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
3M CO COM 88579Y101   3,108,990 16,136 SH   SOLE   0 0 16,136
ABBOTT LABS COM 002824100   2,934,085 24,483 SH   SOLE   0 0 24,483
ABBVIE INC COM 00287Y109   2,903,036 26,825 SH   SOLE   0 0 26,825
ABRDN ETFS BBRG ALL COMD K1 003261104   2,598,887 111,636 SH   SOLE   0 0 111,636
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   956,333 58,313 SH   SOLE   0 0 58,313
ADOBE SYSTEMS INCORPORATED COM 00724F101   484,402 1,019 SH   SOLE   0 0 1,019
AIR PRODS & CHEMS INC COM 009158106   776,780 2,761 SH   SOLE   0 0 2,761
ALPHABET INC CAP STK CL C 02079K107   517,158 250 SH   SOLE   0 0 250
AMAZON COM INC COM 023135106   340,349 110 SH   SOLE   0 0 110
APPLE INC COM 037833100   775,530 6,349 SH   SOLE   0 0 6,349
AT&T INC COM 00206R102   2,901,620 95,858 SH   SOLE   0 0 95,858
AUTOMATIC DATA PROCESSING IN COM 053015103   257,450 1,366 SH   SOLE   0 0 1,366
BCE INC COM NEW 05534B760   372,119 8,244 SH   SOLE   0 0 8,244
BECTON DICKINSON & CO COM 075887109   2,673,474 10,995 SH   SOLE   0 0 10,995
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   387,983 10,015 SH   SOLE   0 0 10,015
CATERPILLAR INC COM 149123101   3,175,762 13,696 SH   SOLE   0 0 13,696
CHEVRON CORP NEW COM 166764100   3,010,568 28,730 SH   SOLE   0 0 28,730
CHUBB LIMITED COM H1467J104   374,717 2,372 SH   SOLE   0 0 2,372
COCA COLA CO COM 191216100   2,926,037 55,512 SH   SOLE   0 0 55,512
COLGATE PALMOLIVE CO COM 194162103   267,707 3,396 SH   SOLE   0 0 3,396
COMCAST CORP NEW CL A 20030N101   561,012 10,368 SH   SOLE   0 0 10,368
DIAGEO PLC SPON ADR NEW 25243Q205   376,041 2,290 SH   SOLE   0 0 2,290
ENBRIDGE INC COM 29250N105   402,451 11,056 SH   SOLE   0 0 11,056
EXXON MOBIL CORP COM 30231G102   2,936,637 52,600 SH   SOLE   0 0 52,600
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   8,359,454 83,486 SH   SOLE   0 0 83,486
INTEL CORP COM 458140100   259,008 4,047 SH   SOLE   0 0 4,047
INTERNATIONAL BUSINESS MACHS COM 459200101   2,525,001 18,948 SH   SOLE   0 0 18,948
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887   549,828 10,892 SH   SOLE   0 0 10,892
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719   2,045,717 105,722 SH   SOLE   0 0 105,722
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   279,759 4,811 SH   SOLE   0 0 4,811
ISHARES INC MSCI GBL ETF NEW 46434G848   589,905 14,002 SH   SOLE   0 0 14,002
ISHARES INC FRONTIER AND SEL 464286145   229,767 7,791 SH   SOLE   0 0 7,791
ISHARES INC MSCI JPN ETF NEW 46434G822   286,345 4,179 SH   SOLE   0 0 4,179
ISHARES INC MSCI GBL GOLD MN 46434G855   576,342 21,069 SH   SOLE   0 0 21,069
ISHARES TR TIPS BD ETF 464287176   4,124,307 32,863 SH   SOLE   0 0 32,863
ISHARES TR 20 YR TR BD ETF 464287432   523,949 3,868 SH   SOLE   0 0 3,868
ISHARES TR MSCI PERU AND GL 464289842   225,591 6,636 SH   SOLE   0 0 6,636
ISHARES TR 7-10 YR TRSY BD 464287440   1,178,764 10,438 SH   SOLE   0 0 10,438
ISHARES TR MSCI USA VALUE 46432F388   2,639,472 25,761 SH   SOLE   0 0 25,761
ISHARES TR GLOB HLTHCRE ETF 464287325   1,580,270 20,507 SH   SOLE   0 0 20,507
ISHARES TR IBOXX HI YD ETF 464288513   2,084,604 23,911 SH   SOLE   0 0 23,911
ISHARES TR MSCI EAFE ETF 464287465   2,814,397 37,095 SH   SOLE   0 0 37,095
ISHARES TR CORE US AGGBD ET 464287226   9,544,457 83,848 SH   SOLE   0 0 83,848
ISHARES TR GLB CNSM STP ETF 464288737   1,168,158 20,106 SH   SOLE   0 0 20,106
ISHARES TR CRE U S REIT ETF 464288521   2,665,588 50,870 SH   SOLE   0 0 50,870
ISHARES TR U.S. REAL ES ETF 464287739   533,344 5,801 SH   SOLE   0 0 5,801
JOHNSON & JOHNSON COM 478160104   2,883,594 17,545 SH   SOLE   0 0 17,545
LINDE PLC SHS G54950103   382,963 1,367 SH   SOLE   0 0 1,367
LOWES COS INC COM 548661107   3,295,866 17,330 SH   SOLE   0 0 17,330
MCDONALDS CORP COM 580135101   2,903,356 12,953 SH   SOLE   0 0 12,953
MEDTRONIC PLC SHS G5960L103   2,886,394 24,434 SH   SOLE   0 0 24,434
META PLATFORMS INC CL A 30303M102   713,057 2,421 SH   SOLE   0 0 2,421
MICROSOFT CORP COM 594918104   1,119,436 4,748 SH   SOLE   0 0 4,748
NETFLIX INC COM 64110L106   604,082 1,158 SH   SOLE   0 0 1,158
NEXTERA ENERGY INC COM 65339F101   2,345,160 31,017 SH   SOLE   0 0 31,017
NOVARTIS AG SPONSORED ADR 66987V109   355,223 4,156 SH   SOLE   0 0 4,156
NOVO-NORDISK A S ADR 670100205   345,932 5,131 SH   SOLE   0 0 5,131
NVIDIA CORPORATION COM 67066G104   650,326 1,218 SH   SOLE   0 0 1,218
PAYPAL HLDGS INC COM 70450Y103   500,979 2,063 SH   SOLE   0 0 2,063
PEPSICO INC COM 713448108   2,909,008 20,566 SH   SOLE   0 0 20,566
PIMCO ETF TR 0-5 HIGH YIELD 72201R783   2,105,436 21,228 SH   SOLE   0 0 21,228
PRIMERICA INC COM 74164M108   310,422 2,100 SH   SOLE   0 0 2,100
PROCTER AND GAMBLE CO COM 742718109   2,967,880 21,914 SH   SOLE   0 0 21,914
PROSHARES TR S&P 500 DV ARIST 74348A467   2,573,136 29,830 SH   SOLE   0 0 29,830
RAYTHEON TECHNOLOGIES CORP COM 75513E101   440,130 5,696 SH   SOLE   0 0 5,696
S&P GLOBAL INC COM 78409V104   2,874,153 8,145 SH   SOLE   0 0 8,145
SANOFI SPONSORED ADR 80105N105   381,930 7,722 SH   SOLE   0 0 7,722
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   208,011 4,054 SH   SOLE   0 0 4,054
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   564,924 16,591 SH   SOLE   0 0 16,591
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   524,378 3,120 SH   SOLE   0 0 3,120
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   562,150 5,710 SH   SOLE   0 0 5,710
SELECT SECTOR SPDR TR ENERGY 81369Y506   517,877 10,556 SH   SOLE   0 0 10,556
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   525,662 3,958 SH   SOLE   0 0 3,958
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   525,919 7,699 SH   SOLE   0 0 7,699
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   527,315 4,517 SH   SOLE   0 0 4,517
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   544,744 6,913 SH   SOLE   0 0 6,913
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,010,919 7,597 SH   SOLE   0 0 7,597
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   10,115,111 21,248 SH   SOLE   0 0 21,248
SPDR SER TR PORTFOLIO AGRGTE 78464A649   644,473 21,736 SH   SOLE   0 0 21,736
SPDR SER TR BLOOMBERG HIGH Y 78468R622   7,506,844 68,997 SH   SOLE   0 0 68,997
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   2,440,671 26,674 SH   SOLE   0 0 26,674
SPDR SER TR PORTFLI TIPS ETF 78464A656   277,852 9,095 SH   SOLE   0 0 9,095
TARGET CORP COM 87612E106   1,983,917 10,016 SH   SOLE   0 0 10,016
TOTALENERGIES SE SPONSORED ADS 89151E109   383,478 8,240 SH   SOLE   0 0 8,240
VANECK MERK GOLD TR GOLD TRUST 921078101   1,097,064 65,969 SH   SOLE   0 0 65,969
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   670,219 7,911 SH   SOLE   0 0 7,911
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,188,495 23,824 SH   SOLE   0 0 23,824
VANGUARD INDEX FDS TOTAL STK MKT 922908769   10,613,242 51,349 SH   SOLE   0 0 51,349
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   570,989 10,970 SH   SOLE   0 0 10,970
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   4,863,276 94,359 SH   SOLE   0 0 94,359
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   382,702 4,622 SH   SOLE   0 0 4,622
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   233,899 3,802 SH   SOLE   0 0 3,802
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   8,511,392 47,744 SH   SOLE   0 0 47,744
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   537,982 4,138 SH   SOLE   0 0 4,138
VANGUARD WORLD FDS ENERGY ETF 92204A306   558,416 8,212 SH   SOLE   0 0 8,212
WALMART INC COM 931142103   2,827,170 20,814 SH   SOLE   0 0 20,814
WESTERN DIGITAL CORP. NOTE 1.500% 2/0 958102AP0   19,406 19,000 SH   SOLE   0 0 19,000