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   3,322,084 16,725 SH   SOLE   0 0 16,725
ABBOTT LABS COM 002824100   3,395,905 29,293 SH   SOLE   0 0 29,293
ABBVIE INC COM 00287Y109   3,267,405 29,008 SH   SOLE   0 0 29,008
ABRDN ETFS BBRG ALL COMD K1 003261104   3,628,617 137,604 SH   SOLE   0 0 137,604
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   209,232 12,315 SH   SOLE   0 0 12,315
ADOBE SYSTEMS INCORPORATED COM 00724F101   723,851 1,236 SH   SOLE   0 0 1,236
AIR PRODS & CHEMS INC COM 009158106   644,691 2,241 SH   SOLE   0 0 2,241
ALPHABET INC CAP STK CL C 02079K107   639,111 255 SH   SOLE   0 0 255
AMAZON COM INC COM 023135106   430,020 125 SH   SOLE   0 0 125
AMCOR PLC ORD G0250X107   327,252 28,556 SH   SOLE   0 0 28,556
APPLE INC COM 037833100   917,358 6,698 SH   SOLE   0 0 6,698
AT&T INC COM 00206R102   3,079,211 106,991 SH   SOLE   0 0 106,991
AUTOMATIC DATA PROCESSING IN COM 053015103   250,460 1,261 SH   SOLE   0 0 1,261
BCE INC COM NEW 05534B760   398,233 8,074 SH   SOLE   0 0 8,074
BECTON DICKINSON & CO COM 075887109   3,105,859 12,771 SH   SOLE   0 0 12,771
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   387,135 9,848 SH   SOLE   0 0 9,848
CATERPILLAR INC COM 149123101   3,143,782 14,446 SH   SOLE   0 0 14,446
CHEVRON CORP NEW COM 166764100   3,252,804 31,056 SH   SOLE   0 0 31,056
CHUBB LIMITED COM H1467J104   372,261 2,342 SH   SOLE   0 0 2,342
COCA COLA CO COM 191216100   3,236,471 59,813 SH   SOLE   0 0 59,813
COMCAST CORP NEW CL A 20030N101   699,123 12,261 SH   SOLE   0 0 12,261
ENBRIDGE INC COM 29250N105   420,007 10,490 SH   SOLE   0 0 10,490
EXXON MOBIL CORP COM 30231G102   3,548,788 56,259 SH   SOLE   0 0 56,259
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   6,074,675 60,680 SH   SOLE   0 0 60,680
INTERNATIONAL BUSINESS MACHS COM 459200101   3,039,063 20,732 SH   SOLE   0 0 20,732
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887   735,292 14,566 SH   SOLE   0 0 14,566
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719   2,223,113 113,772 SH   SOLE   0 0 113,772
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   420,949 6,911 SH   SOLE   0 0 6,911
INVESCO EXCH TRADED FD TR II GLOBAL WATER 46138E651   1,629,036 41,044 SH   SOLE   0 0 41,044
ISHARES GOLD TR ISHARES NEW 464285204   1,745,571 51,782 SH   SOLE   0 0 51,782
ISHARES INC MSCI MLY ETF NEW 46434G814   281,885 11,037 SH   SOLE   0 0 11,037
ISHARES INC MSCI GBL ETF NEW 46434G848   1,355,447 30,011 SH   SOLE   0 0 30,011
ISHARES INC MSCI GBL GOLD MN 46434G855   1,215,074 43,411 SH   SOLE   0 0 43,411
ISHARES INC FRONTIER AND SEL 464286145   292,516 8,813 SH   SOLE   0 0 8,813
ISHARES TR TIPS BD ETF 464287176   3,999,482 31,244 SH   SOLE   0 0 31,244
ISHARES TR MSCI USA VALUE 46432F388   5,713,373 54,382 SH   SOLE   0 0 54,382
ISHARES TR CORE US AGGBD ET 464287226   9,408,603 81,580 SH   SOLE   0 0 81,580
ISHARES TR 20 YR TR BD ETF 464287432   424,100 2,938 SH   SOLE   0 0 2,938
ISHARES TR IBOXX HI YD ETF 464288513   2,268,192 25,763 SH   SOLE   0 0 25,763
ISHARES TR CRE U S REIT ETF 464288521   3,670,403 62,914 SH   SOLE   0 0 62,914
ISHARES TR GLB CNSM STP ETF 464288737   1,153,345 18,864 SH   SOLE   0 0 18,864
ISHARES TR MSCI EAFE ETF 464287465   3,639,365 46,138 SH   SOLE   0 0 46,138
ISHARES TR 7-10 YR TRSY BD 464287440   921,610 7,980 SH   SOLE   0 0 7,980
ISHARES TR SHORT TREAS BD 464288679   645,593 5,843 SH   SOLE   0 0 5,843
ISHARES TR S&P 100 ETF 464287101   535,571 2,730 SH   SOLE   0 0 2,730
ISHARES TR U.S. REAL ES ETF 464287739   727,342 7,135 SH   SOLE   0 0 7,135
JOHNSON & JOHNSON COM 478160104   3,175,844 19,278 SH   SOLE   0 0 19,278
LINDE PLC SHS G54950103   385,391 1,333 SH   SOLE   0 0 1,333
LOWES COS INC COM 548661107   3,356,351 17,303 SH   SOLE   0 0 17,303
MCDONALDS CORP COM 580135101   3,203,047 13,867 SH   SOLE   0 0 13,867
MEDTRONIC PLC SHS G5960L103   3,219,993 25,940 SH   SOLE   0 0 25,940
META PLATFORMS INC CL A 30303M102   852,585 2,452 SH   SOLE   0 0 2,452
MICROSOFT CORP COM 594918104   1,320,637 4,875 SH   SOLE   0 0 4,875
NETFLIX INC COM 64110L106   725,761 1,374 SH   SOLE   0 0 1,374
NEXTERA ENERGY INC COM 65339F101   2,841,224 38,772 SH   SOLE   0 0 38,772
NVIDIA CORPORATION COM 67066G104   993,725 1,242 SH   SOLE   0 0 1,242
PAYPAL HLDGS INC COM 70450Y103   736,570 2,527 SH   SOLE   0 0 2,527
PENTAIR PLC SHS G7S00T104   348,451 5,163 SH   SOLE   0 0 5,163
PEPSICO INC COM 713448108   3,286,005 22,177 SH   SOLE   0 0 22,177
PIMCO ETF TR 0-5 HIGH YIELD 72201R783   2,239,463 22,408 SH   SOLE   0 0 22,408
PRIMERICA INC COM 74164M108   321,594 2,100 SH   SOLE   0 0 2,100
PROCTER AND GAMBLE CO COM 742718109   3,205,001 23,753 SH   SOLE   0 0 23,753
PROSHARES TR S&P 500 DV ARIST 74348A467   3,365,727 37,137 SH   SOLE   0 0 37,137
RAYTHEON TECHNOLOGIES CORP COM 75513E101   372,123 4,362 SH   SOLE   0 0 4,362
S&P GLOBAL INC COM 78409V104   3,483,958 8,488 SH   SOLE   0 0 8,488
SANOFI SPONSORED ADR 80105N105   398,655 7,570 SH   SOLE   0 0 7,570
SAP SE SPON ADR 803054204   332,469 2,367 SH   SOLE   0 0 2,367
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   10,813,803 198,055 SH   SOLE   0 0 198,055
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   673,969 10,659 SH   SOLE   0 0 10,659
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   715,450 4,007 SH   SOLE   0 0 4,007
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   714,318 19,469 SH   SOLE   0 0 19,469
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   721,694 5,730 SH   SOLE   0 0 5,730
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   687,735 9,829 SH   SOLE   0 0 9,829
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   730,031 4,944 SH   SOLE   0 0 4,944
SELECT SECTOR SPDR TR ENERGY 81369Y506   725,144 13,461 SH   SOLE   0 0 13,461
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   706,765 6,902 SH   SOLE   0 0 6,902
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   679,716 8,258 SH   SOLE   0 0 8,258
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,823,860 8,933 SH   SOLE   0 0 8,933
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,037,013 2,112 SH   SOLE   0 0 2,112
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   3,376,890 36,918 SH   SOLE   0 0 36,918
SPDR SER TR BLOOMBERG 1 10 Y 78468R861   985,504 46,629 SH   SOLE   0 0 46,629
SPDR SER TR BLOOMBERG HIGH Y 78468R622   5,401,519 49,123 SH   SOLE   0 0 49,123
SPDR SER TR PORTFLI TIPS ETF 78464A656   791,891 25,430 SH   SOLE   0 0 25,430
TARGET CORP COM 87612E106   2,643,771 10,936 SH   SOLE   0 0 10,936
TOTALENERGIES SE SPONSORED ADS 89151E109   372,918 8,239 SH   SOLE   0 0 8,239
VANGUARD INDEX FDS TOTAL STK MKT 922908769   11,962,572 53,687 SH   SOLE   0 0 53,687
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,040,639 20,048 SH   SOLE   0 0 20,048
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,373,065 25,282 SH   SOLE   0 0 25,282
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   6,902,607 131,704 SH   SOLE   0 0 131,704
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   843,938 9,623 SH   SOLE   0 0 9,623
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   236,198 3,845 SH   SOLE   0 0 3,845
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   10,032,530 108,378 SH   SOLE   0 0 108,378
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   736,790 5,123 SH   SOLE   0 0 5,123
VANGUARD WORLD FDS ENERGY ETF 92204A306   1,429,312 18,834 SH   SOLE   0 0 18,834
WALMART INC COM 931142103   3,194,483 22,653 SH   SOLE   0 0 22,653
WESTERN DIGITAL CORP. NOTE 1.500% 2/0 958102AP0   20,294 19,000 SH   SOLE   0 0 19,000