The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
EATON CORP PLC SHS G29183103   984,833 3,092 SH   SOLE   0 0 3,092
MEDTRONIC PLC SHS G5960L103   993,549 10,343 SH   SOLE   0 0 10,343
ABBVIE INC COM 00287Y109   1,363,628 5,968 SH   SOLE   0 0 5,968
ETFS GOLD TR PHYSCL GOLD SHS 00326A104   13,981,373 340,345 SH   SOLE   0 0 340,345
ALPHABET INC CAP STK CL C 02079K107   212,129 676 SH   SOLE   0 0 676
ALPHABET INC CAP STK CL A 02079K305   1,437,296 4,592 SH   SOLE   0 0 4,592
AMAZON COM INC COM 023135106   507,342 2,198 SH   SOLE   0 0 2,198
AMGEN INC COM 031162100   1,040,518 3,179 SH   SOLE   0 0 3,179
APPLE INC COM 037833100   6,008,838 22,103 SH   SOLE   0 0 22,103
BRISTOL-MYERS SQUIBB CO COM 110122108   371,107 6,880 SH   SOLE   0 0 6,880
BROADCOM INC COM 11135F101   1,503,112 4,343 SH   SOLE   0 0 4,343
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   7,998,196 179,856 SH   SOLE   0 0 179,856
CAPITAL GROUP CORE EQUITY ET SHS CREATION UNI 14020V108   485,093 12,058 SH   SOLE   0 0 12,058
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   1,750,968 40,123 SH   SOLE   0 0 40,123
CHEVRON CORP NEW COM 166764100   205,601 1,349 SH   SOLE   0 0 1,349
CISCO SYS INC COM 17275R102   1,169,701 15,185 SH   SOLE   0 0 15,185
COLGATE PALMOLIVE CO COM 194162103   240,695 3,046 SH   SOLE   0 0 3,046
COMCAST CORP NEW CL A 20030N101   256,008 8,565 SH   SOLE   0 0 8,565
EXXON MOBIL CORP COM 30231G102   734,676 6,105 SH   SOLE   0 0 6,105
META PLATFORMS INC CL A 30303M102   218,490 331 SH   SOLE   0 0 331
FOX CORP CL A COM 35137L105   280,589 3,840 SH   SOLE   0 0 3,840
GENERAL MLS INC COM 370334104   292,625 6,293 SH   SOLE   0 0 6,293
GILEAD SCIENCES INC COM 375558103   243,516 1,984 SH   SOLE   0 0 1,984
HOME DEPOT INC COM 437076102   1,009,134 2,933 SH   SOLE   0 0 2,933
INTERNATIONAL BUSINESS MACHS COM 459200101   1,479,569 4,995 SH   SOLE   0 0 4,995
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   378,906 1,978 SH   SOLE   0 0 1,978
ISHARES TR SELECT DIVID ETF 464287168   216,932 1,537 SH   SOLE   0 0 1,537
ISHARES TR TIPS BD ETF 464287176   4,679,418 42,575 SH   SOLE   0 0 42,575
ISHARES TR CORE S&P500 ETF 464287200   14,087,161 20,567 SH   SOLE   0 0 20,567
ISHARES TR CORE S&P MCP ETF 464287507   593,802 8,997 SH   SOLE   0 0 8,997
ISHARES TR RUS 1000 VAL ETF 464287598   836,943 3,979 SH   SOLE   0 0 3,979
ISHARES TR CORE S&P SCP ETF 464287804   260,911 2,171 SH   SOLE   0 0 2,171
ISHARES TR CORE 80/20 AGGRE 464289859   616,621 6,885 SH   SOLE   0 0 6,885
ISHARES TR CORE 60/40 BALAN 464289867   236,181 3,633 SH   SOLE   0 0 3,633
ISHARES TR HDG MSCI EAFE 46434V803   1,528,914 36,966 SH   SOLE   0 0 36,966
ISHARES TR TRS FLT RT BD 46434V860   1,888,163 37,419 SH   SOLE   0 0 37,419
ISHARES TR 0-3 MNTH TREASRY 46436E718   818,699 8,156 SH   SOLE   0 0 8,156
KROGER CO COM 501044101   1,100,210 17,609 SH   SOLE   0 0 17,609
LAM RESEARCH CORP COM NEW 512807306   1,108,048 6,473 SH   SOLE   0 0 6,473
LOCKHEED MARTIN CORP COM 539830109   888,985 1,838 SH   SOLE   0 0 1,838
LOWES COS INC COM 548661107   944,865 3,918 SH   SOLE   0 0 3,918
MCDONALDS CORP COM 580135101   1,016,831 3,327 SH   SOLE   0 0 3,327
MERCK & CO INC COM 58933Y105   876,921 8,331 SH   SOLE   0 0 8,331
MICROSOFT CORP COM 594918104   923,231 1,909 SH   SOLE   0 0 1,909
NETAPP INC COM 64110D104   714,504 6,672 SH   SOLE   0 0 6,672
NVIDIA CORPORATION COM 67066G104   614,375 3,294 SH   SOLE   0 0 3,294
PROCTER AND GAMBLE CO COM 742718109   822,169 5,737 SH   SOLE   0 0 5,737
PROSHARES TR S&P 500 DV ARIST 74348A467   7,772,364 74,684 SH   SOLE   0 0 74,684
QUALCOMM INC COM 747525103   987,468 5,773 SH   SOLE   0 0 5,773
SPDR S&P 500 ETF TR TR UNIT 78462F103   10,116,965 14,836 SH   SOLE   0 0 14,836
SPDR GOLD TR GOLD SHS 78463V107   335,675 847 SH   SOLE   0 0 847
SPDR SERIES TRUST STATE STREET SPD 78464A854   230,793 2,877 SH   SOLE   0 0 2,877
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   529,680 878 SH   SOLE   0 0 878
SPDR SERIES TRUST STATE STREET SPD 78468R663   5,498,243 60,169 SH   SOLE   0 0 60,169
SCHWAB CHARLES CORP COM 808513105   911,679 9,125 SH   SOLE   0 0 9,125
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   5,832,962 178,816 SH   SOLE   0 0 178,816
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   6,071,564 221,348 SH   SOLE   0 0 221,348
SELECT SECTOR SPDR TR STATE STREET CON 81369Y407   485,999 4,070 SH   SOLE   0 0 4,070
SELECT SECTOR SPDR TR STATE STREET FIN 81369Y605   951,355 17,370 SH   SOLE   0 0 17,370
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803   1,274,710 8,854 SH   SOLE   0 0 8,854
SELECT SECTOR SPDR TR STATE STREET COM 81369Y852   510,316 4,335 SH   SOLE   0 0 4,335
STARBUCKS CORP COM 855244109   352,840 4,190 SH   SOLE   0 0 4,190
SUNCOR ENERGY INC NEW COM 867224107   205,387 4,630 SH   SOLE   0 0 4,630
TESLA INC COM 88160R101   521,225 1,159 SH   SOLE   0 0 1,159
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,170,986 14,428 SH   SOLE   0 0 14,428
VANGUARD STAR FDS VG TL INTL STK F 921909768   8,108,744 107,486 SH   SOLE   0 0 107,486
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   318,279 4,297 SH   SOLE   0 0 4,297
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   243,809 847 SH   SOLE   0 0 847
VANGUARD INSTL INDEX FD 0-3 MO TREAS BIL 922040845   6,873,408 91,123 SH   SOLE   0 0 91,123
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   2,781,042 47,353 SH   SOLE   0 0 47,353
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   279,073 445 SH   SOLE   0 0 445
VANGUARD INDEX FDS MID CAP ETF 922908629   235,368 811 SH   SOLE   0 0 811
VANGUARD INDEX FDS VALUE ETF 922908744   6,442,857 33,734 SH   SOLE   0 0 33,734
VANGUARD INDEX FDS TOTAL STK MKT 922908769   27,555,841 82,190 SH   SOLE   0 0 82,190
VISA INC COM CL A 92826C839   1,182,243 3,371 SH   SOLE   0 0 3,371
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   6,632,126 131,799 SH   SOLE   0 0 131,799