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
Estimated average burden
hours per response: 23.8
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
ABBVIE INCORPORATED COM 00287Y109   1,277,101 5,872 SH   SOLE   0 0 5,872
ABERDEEN PHYSICAL GOLD SHARES ETF PHYSCL GOLD SHS 00326A104   14,648,612 328,297 SH   SOLE   0 0 328,297
ALPHABET INCORPORATED CAP STK CLASS A CAP STK CL A 02079K305   1,259,225 4,379 SH   SOLE   0 0 4,379
AMGEN INCORPORATED COM 031162100   1,105,160 3,141 SH   SOLE   0 0 3,141
APPLE INCORPORATED COM 037833100   5,517,834 21,741 SH   SOLE   0 0 21,741
BRISTOL-MYERS SQUIBB COMPANY COM 110122108   929,521 15,326 SH   SOLE   0 0 15,326
BROADCOM INCORPORATED COM 11135F101   1,317,893 4,258 SH   SOLE   0 0 4,258
CAPITAL GROUP CORE EQUITY ETF SHS CREATION UNIT SHS CREATION UNI 14020V108   486,627 12,666 SH   SOLE   0 0 12,666
CAPITAL GROUP DIVID VALUE ETF SHS CREATION UNIT SHS CREATION UNI 14020W106   1,636,683 38,474 SH   SOLE   0 0 38,474
CAPITAL GROUP GROWTH ETF SHS CREATION UNIT SHS CREATION UNI 14020G101   7,595,829 188,998 SH   SOLE   0 0 188,998
CHEVRON CORPORATION COM 166764100   260,900 1,261 SH   SOLE   0 0 1,261
CISCO SYSTEMS INCORPORATED COM 17275R102   1,163,151 14,991 SH   SOLE   0 0 14,991
COLGATE PALMOLIVE COMPANY COM 194162103   596,439 6,998 SH   SOLE   0 0 6,998
COMCAST CORPORATION NEW CLASS A CL A 20030N101   562,601 19,596 SH   SOLE   0 0 19,596
CONOCOPHILLIPS COM 20825C104   231,132 1,751 SH   SOLE   0 0 1,751
EATON CORPORATION PLC SHS (IRELAND) SHS G29183103   1,092,681 3,055 SH   SOLE   0 0 3,055
EXXON MOBIL CORPORATION COM 30231G102   945,175 5,571 SH   SOLE   0 0 5,571
FOX CORPORATION CLASS A COM CL A COM 35137L105   224,256 3,840 SH   SOLE   0 0 3,840
GENERAL MILLS INCORPORATED COM 370334104   523,871 14,075 SH   SOLE   0 0 14,075
GILEAD SCIENCES INCORPORATED COM 375558103   276,510 1,984 SH   SOLE   0 0 1,984
HOME DEPOT INCORPORATED COM 437076102   937,007 2,849 SH   SOLE   0 0 2,849
INTERNATIONAL BUSINESS MACHINES COM 459200101   1,202,739 4,962 SH   SOLE   0 0 4,962
INVESCO S&P 500 EQUAL WEIGHT ETF S&P500 EQL WGT 46137V357   421,264 2,195 SH   SOLE   0 0 2,195
ISHARES INCORPORATED MSCI EMRG CHN MSCI EMRG CHN 46434G764   1,009,207 12,830 SH   SOLE   0 0 12,830
ISHARES TR 0-3 MNTH TREASRY 0-3 MNTH TREASRY 46436E718   8,480,202 84,246 SH   SOLE   0 0 84,246
ISHARES TR CORE 60/40 BALAN CORE 60/40 BALAN 464289867   233,783 3,633 SH   SOLE   0 0 3,633
ISHARES TR CORE 80/20 AGGRE CORE 80/20 AGGRE 464289859   608,368 6,875 SH   SOLE   0 0 6,875
ISHARES TR CORE S&P MCP ETF CORE S&P MCP ETF 464287507   362,095 5,362 SH   SOLE   0 0 5,362
ISHARES TR CORE S&P500 ETF CORE S&P500 ETF 464287200   13,447,634 20,587 SH   SOLE   0 0 20,587
ISHARES TR HDG MSCI EAFE HDG MSCI EAFE 46434V803   1,520,598 35,783 SH   SOLE   0 0 35,783
ISHARES TR RUS 1000 VAL ETF RUS 1000 VAL ETF 464287598   862,585 4,037 SH   SOLE   0 0 4,037
ISHARES TR SELECT DIVID ETF SELECT DIVID ETF 464287168   232,717 1,537 SH   SOLE   0 0 1,537
ISHARES TR TIPS BD ETF TIPS BD ETF 464287176   4,452,584 40,346 SH   SOLE   0 0 40,346
KROGER COMPANY COM 501044101   1,266,878 17,508 SH   SOLE   0 0 17,508
LAM RESEARCH CORPORATION COM NEW COM NEW 512807306   1,336,229 6,254 SH   SOLE   0 0 6,254
LOCKHEED MARTIN CORPORATION COM 539830109   1,092,132 1,807 SH   SOLE   0 0 1,807
LOWES COMPANIES INCORPORATED COM 548661107   944,647 3,998 SH   SOLE   0 0 3,998
MCDONALDS CORPORATION COM 580135101   1,019,391 3,280 SH   SOLE   0 0 3,280
MEDTRONIC PLC SHS (IRELAND) SHS G5960L103   885,129 10,215 SH   SOLE   0 0 10,215
MERCK & COMPANY INCORPORATED COM 58933Y105   1,078,760 8,968 SH   SOLE   0 0 8,968
META PLATFORMS INCORPORATED CLASS A CL A 30303M102   212,260 371 SH   SOLE   0 0 371
MICROSOFT CORPORATION COM 594918104   691,477 1,868 SH   SOLE   0 0 1,868
NETAPP INCORPORATED COM 64110D104   695,637 6,794 SH   SOLE   0 0 6,794
NVIDIA CORPORATION COM 67066G104   315,705 1,810 SH   SOLE   0 0 1,810
PROCTER & GAMBLE COMPANY COM 742718109   875,595 6,062 SH   SOLE   0 0 6,062
PROSHARES S&P 500 DIVIDEND ARISTOCRATS ETF S&P 500 DV ARIST 74348A467   6,095,681 57,501 SH   SOLE   0 0 57,501
QUALCOMM INCORPORATED COM 747525103   713,827 5,543 SH   SOLE   0 0 5,543
SCHWAB CHARLES CORPORATION COM 808513105   846,665 9,009 SH   SOLE   0 0 9,009
SCHWAB U.S. LARGE-CAP GROWTH ETF US LCAP GR ETF 808524300   5,190,216 178,174 SH   SOLE   0 0 178,174
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797   6,773,976 220,794 SH   SOLE   0 0 220,794
SPDR COMMUNICATION SERVICES SELECT SECTOR FUND STATE STREET COM 81369Y852   480,578 4,335 SH   SOLE   0 0 4,335
SPDR GOLD SHARES GOLD SHS 78463V107   355,849 827 SH   SOLE   0 0 827
STARBUCKS CORPORATION COM 855244109   781,135 8,719 SH   SOLE   0 0 8,719
STATE STREET CONSUMER DISCRETIONARY SELECT SECTOR STATE STREET CON 81369Y407   443,548 4,070 SH   SOLE   0 0 4,070
STATE STREET FINANCIAL SELECT SECTOR SPDR ETF STATE STREET FIN 81369Y605   838,203 16,978 SH   SOLE   0 0 16,978
STATE STREET SPDR BLOOMBERG 1-3 MONTH T-BILL ETF STATE STREET SPD 78468R663   5,903,723 64,423 SH   SOLE   0 0 64,423
STATE STREET SPDR S&P 500 ETF TRUST TR UNIT 78462F103   7,062,692 10,860 SH   SOLE   0 0 10,860
STATE STREET SPDR S&P MIDCAP 400 ETF TRUST UTSER1 S&PDCRP 78467Y107   658,699 1,068 SH   SOLE   0 0 1,068
STATE STREET TECHNOLOGY SELECT SECTOR SPDR ETF STATE STREET TEC 81369Y803   1,102,006 8,292 SH   SOLE   0 0 8,292
SUNCOR ENERGY INCORPORATED NEW (CANADA) COM 867224107   306,089 4,630 SH   SOLE   0 0 4,630
TESLA INCORPORATED COM 88160R101   423,795 1,140 SH   SOLE   0 0 1,140
THE WISDOMTREE TRUST FLTG RATE TREASURY FUND FLOATNG RAT TREA 97717Y527   423,007 8,403 SH   SOLE   0 0 8,403
TWIST BIOSCIENCE CORPORATION COM 90184D100   206,189 4,339 SH   SOLE   0 0 4,339
VANGUARD 0-3 MONTH TREASURY BILL ETF 0-3 MO TREAS BIL 922040845   6,241,503 82,505 SH   SOLE   0 0 82,505
VANGUARD DIVIDEND APPRECIATION ETF DIV APP ETF 921908844   3,561,608 16,561 SH   SOLE   0 0 16,561
VANGUARD HEALTH CARE ETF HEALTH CAR ETF 92204A504   230,663 847 SH   SOLE   0 0 847
VANGUARD INDEX FUNDS S&P 500 ETF SHS NEW S&P 500 ETF SHS 922908363   236,032 395 SH   SOLE   0 0 395
VANGUARD MID-CAP ETF MID CAP ETF 922908629   232,902 811 SH   SOLE   0 0 811
VANGUARD SHORT-TERM TREASURY ETF SHORT TERM TREAS 92206C102   3,352,761 57,273 SH   SOLE   0 0 57,273
VANGUARD TOTAL BOND MARKET ETF TOTAL BND MRKT 921937835   356,196 4,837 SH   SOLE   0 0 4,837
VANGUARD TOTAL INTERNATIONAL STOCK ETF VG TL INTL STK F 921909768   8,497,907 110,205 SH   SOLE   0 0 110,205
VANGUARD TOTAL STOCK MARKET ETF TOTAL STK MKT 922908769   26,858,213 83,720 SH   SOLE   0 0 83,720
VANGUARD VALUE ETF VALUE ETF 922908744   9,425,251 48,039 SH   SOLE   0 0 48,039
VISA INCORPORATED COM CLASS A COM CL A 92826C839   1,013,108 3,352 SH   SOLE   0 0 3,352