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   3,510,156 19,761 SH   SOLE   0 0 19,761
ABBOTT LABS COM 002824100   4,529,649 32,185 SH   SOLE   0 0 32,185
ABBVIE INC COM 00287Y109   4,393,583 32,449 SH   SOLE   0 0 32,449
ABRDN ETFS BBRG ALL COMD K1 003261104   5,009,337 217,892 SH   SOLE   0 0 217,892
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   952,366 54,235 SH   SOLE   0 0 54,235
ADOBE SYSTEMS INCORPORATED COM 00724F101   988,386 1,743 SH   SOLE   0 0 1,743
ALPHABET INC CAP STK CL C 02079K107   920,162 318 SH   SOLE   0 0 318
AMAZON COM INC COM 023135106   816,914 245 SH   SOLE   0 0 245
AMCOR PLC ORD G0250X107   362,318 30,168 SH   SOLE   0 0 30,168
APPLE INC COM 037833100   1,470,989 8,284 SH   SOLE   0 0 8,284
ASML HOLDING N V N Y REGISTRY SHS N07059210   1,020,651 1,282 SH   SOLE   0 0 1,282
AT&T INC COM 00206R102   3,688,019 149,919 SH   SOLE   0 0 149,919
AUTOMATIC DATA PROCESSING IN COM 053015103   4,125,037 16,729 SH   SOLE   0 0 16,729
BANK AMERICA CORP COM 060505104   235,886 5,302 SH   SOLE   0 0 5,302
BECTON DICKINSON & CO COM 075887109   209,735 834 SH   SOLE   0 0 834
CATERPILLAR INC COM 149123101   3,657,061 17,689 SH   SOLE   0 0 17,689
CHEVRON CORP NEW COM 166764100   4,032,268 34,361 SH   SOLE   0 0 34,361
CHUBB LIMITED COM H1467J104   417,220 2,158 SH   SOLE   0 0 2,158
COCA COLA CO COM 191216100   4,022,878 67,942 SH   SOLE   0 0 67,942
DIAGEO PLC SPON ADR NEW 25243Q205   423,769 1,925 SH   SOLE   0 0 1,925
EXXON MOBIL CORP COM 30231G102   3,814,034 62,331 SH   SOLE   0 0 62,331
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   3,398,059 33,967 SH   SOLE   0 0 33,967
INFOSYS LTD SPONSORED ADR 456788108   413,566 16,340 SH   SOLE   0 0 16,340
INTERNATIONAL BUSINESS MACHS COM 459200101   3,999,452 29,923 SH   SOLE   0 0 29,923
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887   788,855 15,683 SH   SOLE   0 0 15,683
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719   2,383,656 122,742 SH   SOLE   0 0 122,742
ISHARES INC FRONTIER AND SEL 464286145   363,396 10,530 SH   SOLE   0 0 10,530
ISHARES INC MSCI SWITZERLAND 464286749   691,923 13,122 SH   SOLE   0 0 13,122
ISHARES INC MSCI GBL ETF NEW 46434G848   2,012,947 47,230 SH   SOLE   0 0 47,230
ISHARES INC MSCI GBL GOLD MN 46434G855   2,083,741 77,261 SH   SOLE   0 0 77,261
ISHARES TR 7-10 YR TRSY BD 464287440   11,269,568 97,996 SH   SOLE   0 0 97,996
ISHARES TR MSCI USA VALUE 46432F388   8,155,843 74,503 SH   SOLE   0 0 74,503
ISHARES TR CORE US AGGBD ET 464287226   9,142,602 80,142 SH   SOLE   0 0 80,142
ISHARES TR GLB CNS DISC ETF 464288745   328,459 1,832 SH   SOLE   0 0 1,832
ISHARES TR 20 YR TR BD ETF 464287432   857,453 5,786 SH   SOLE   0 0 5,786
ISHARES TR 10-20 YR TRS ETF 464288653   1,560,465 10,515 SH   SOLE   0 0 10,515
ISHARES TR IBOXX HI YD ETF 464288513   2,429,064 27,917 SH   SOLE   0 0 27,917
ISHARES TR MSCI EAFE ETF 464287465   426,525 5,421 SH   SOLE   0 0 5,421
ISHARES TR S&P 100 ETF 464287101   476,389 2,174 SH   SOLE   0 0 2,174
ISHARES TR TIPS BD ETF 464287176   3,948,231 30,559 SH   SOLE   0 0 30,559
ISHARES TR U.S. REAL ES ETF 464287739   1,310,872 11,287 SH   SOLE   0 0 11,287
ISHARES TR CRE U S REIT ETF 464288521   6,487,424 95,982 SH   SOLE   0 0 95,982
ISHARES TR RUSSELL 2000 ETF 464287655   226,899 1,020 SH   SOLE   0 0 1,020
ISHARES TR GLB CNSM STP ETF 464288737   690,933 10,674 SH   SOLE   0 0 10,674
JOHNSON & JOHNSON COM 478160104   3,832,964 22,406 SH   SOLE   0 0 22,406
LINDE PLC SHS G54950103   435,508 1,257 SH   SOLE   0 0 1,257
LOWES COS INC COM 548661107   4,159,958 16,094 SH   SOLE   0 0 16,094
MCDONALDS CORP COM 580135101   4,114,942 15,350 SH   SOLE   0 0 15,350
MEDTRONIC PLC SHS G5960L103   3,166,343 30,607 SH   SOLE   0 0 30,607
META PLATFORMS INC CL A 30303M102   1,107,937 3,294 SH   SOLE   0 0 3,294
MICROSOFT CORP COM 594918104   2,275,541 6,766 SH   SOLE   0 0 6,766
NETFLIX INC COM 64110L106   910,287 1,511 SH   SOLE   0 0 1,511
NEXTERA ENERGY INC COM 65339F101   4,160,708 44,566 SH   SOLE   0 0 44,566
NIKE INC CL B 654106103   558,511 3,351 SH   SOLE   0 0 3,351
NVIDIA CORPORATION COM 67066G104   2,838,161 9,650 SH   SOLE   0 0 9,650
PAYPAL HLDGS INC COM 70450Y103   1,030,967 5,467 SH   SOLE   0 0 5,467
PENTAIR PLC SHS G7S00T104   360,403 4,935 SH   SOLE   0 0 4,935
PEPSICO INC COM 713448108   4,194,381 24,146 SH   SOLE   0 0 24,146
PIMCO ETF TR 0-5 HIGH YIELD 72201R783   2,372,801 23,941 SH   SOLE   0 0 23,941
PRIMERICA INC COM 74164M108   321,867 2,100 SH   SOLE   0 0 2,100
PROCTER AND GAMBLE CO COM 742718109   4,281,895 26,176 SH   SOLE   0 0 26,176
PROSHARES TR S&P 500 DV ARIST 74348A467   4,813,765 49,030 SH   SOLE   0 0 49,030
PROSHARES TR PSHS ULT MCAP400 74347R404   10,402,303 147,133 SH   SOLE   0 0 147,133
S&P GLOBAL INC COM 78409V104   4,655,234 9,864 SH   SOLE   0 0 9,864
SANOFI SPONSORED ADR 80105N105   378,023 7,545 SH   SOLE   0 0 7,545
SAP SE SPON ADR 803054204   349,995 2,498 SH   SOLE   0 0 2,498
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   1,579,679 28,138 SH   SOLE   0 0 28,138
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,271,833 17,768 SH   SOLE   0 0 17,768
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,268,691 16,453 SH   SOLE   0 0 16,453
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   1,218,296 11,514 SH   SOLE   0 0 11,514
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   1,252,865 13,827 SH   SOLE   0 0 13,827
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,239,056 31,730 SH   SOLE   0 0 31,730
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   1,278,158 6,252 SH   SOLE   0 0 6,252
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,304,894 7,505 SH   SOLE   0 0 7,505
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,240,814 22,357 SH   SOLE   0 0 22,357
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,306,191 9,271 SH   SOLE   0 0 9,271
SONY GROUP CORPORATION SPONSORED ADR 835699307   384,508 3,042 SH   SOLE   0 0 3,042
SPDR S&P 500 ETF TR TR UNIT 78462F103   6,640,416 13,981 SH   SOLE   0 0 13,981
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   973,238 1,880 SH   SOLE   0 0 1,880
SPDR SER TR BLOOMBERG HIGH Y 78468R622   7,861,457 72,409 SH   SOLE   0 0 72,409
SPDR SER TR PORTFOLIO AGRGTE 78464A649   1,321,158 44,604 SH   SOLE   0 0 44,604
TARGET CORP COM 87612E106   3,360,008 14,518 SH   SOLE   0 0 14,518
UNILEVER PLC SPON ADR NEW 904767704   343,234 6,381 SH   SOLE   0 0 6,381
VANECK MERK GOLD TR GOLD TRUST 921078101   1,095,906 61,637 SH   SOLE   0 0 61,637
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   510,873 6,028 SH   SOLE   0 0 6,028
VANGUARD INDEX FDS TOTAL STK MKT 922908769   11,534,284 47,773 SH   SOLE   0 0 47,773
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,835,204 15,819 SH   SOLE   0 0 15,819
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,939,406 39,212 SH   SOLE   0 0 39,212
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   6,355,020 123,639 SH   SOLE   0 0 123,639
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   9,238,382 102,866 SH   SOLE   0 0 102,866
VANGUARD WORLD FDS ENERGY ETF 92204A306   2,116,384 27,269 SH   SOLE   0 0 27,269
WALMART INC COM 931142103   3,731,557 25,790 SH   SOLE   0 0 25,790
WESTERN DIGITAL CORP. NOTE 1.500% 2/0 958102AP0   19,178 19,000 SH   SOLE   0 0 19,000