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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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100 5,213 61,088 SH   SOLE 0 0 0 61,088
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 1,749 15,383 SH   SOLE 0 0 0 15,383
ALPHABET INC CAP STK CL A 02079K305 1,584 727 SH   SOLE 0 0 0 727
AMERICAN EXPRESS CO COM 025816109 222 1,601 SH   SOLE 0 0 0 1,601
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 690 12,796 SH   SOLE 0 0 0 12,796
APPLE INC COM 037833100 7,804 57,077 SH   SOLE 0 0 0 57,077
AT&T INC COM 00206R102 895 42,685 SH   SOLE 0 0 0 42,685
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 19,354 70,887 SH   SOLE 0 0 0 70,887
CHEVRON CORP NEW COM 166764100 1,142 7,886 SH   SOLE 0 0 0 7,886
CITIGROUP INC COM NEW 172967424 331 7,193 SH   SOLE 0 0 0 7,193
EXXON MOBIL CORP COM 30231G102 1,280 14,943 SH   SOLE 0 0 0 14,943
FIRST TR EXCHANGE TRAD FD VI FST TR GLB FD 33739H101 2,565 95,854 SH   SOLE 0 0 0 95,854
FIRST TR EXCHANGE-TRADED FD FT CBOE VEST S&P 33739Q705 8,810 179,395 SH   SOLE 0 0 0 179,395
INNOVATOR ETFS TR S&P INVT GRD PFD 45783Y822 2,099 107,494 SH   SOLE 0 0 0 107,494
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 1,279 32,142 SH   SOLE 0 0 0 32,142
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 1,676 79,994 SH   SOLE 0 0 0 79,994
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 1,548 74,651 SH   SOLE 0 0 0 74,651
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 1,185 57,968 SH   SOLE 0 0 0 57,968
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 1,978 93,349 SH   SOLE 0 0 0 93,349
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 1,720 11,608 SH   SOLE 0 0 0 11,608
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 638 4,160 SH   SOLE 0 0 0 4,160
ISHARES TR EAFE SML CP ETF 464288273 3,996 73,195 SH   SOLE 0 0 0 73,195
JPMORGAN CHASE & CO COM 46625H100 364 3,233 SH   SOLE 0 0 0 3,233
META PLATFORMS INC CL A 30303M102 605 3,755 SH   SOLE 0 0 0 3,755
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 350 11,498 SH   SOLE 0 0 0 11,498
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 454 10,024 SH   SOLE 0 0 0 10,024
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 368 14,182 SH   SOLE 0 0 0 14,182
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 535 18,901 SH   SOLE 0 0 0 18,901
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 464 9,112 SH   SOLE 0 0 0 9,112
SCHWAB STRATEGIC TR US TIPS ETF 808524870 3,606 64,626 SH   SOLE 0 0 0 64,626
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 362 5,050 SH   SOLE 0 0 0 5,050
SELECT SECTOR SPDR TR ENERGY 81369Y506 3,536 49,449 SH   SOLE 0 0 0 49,449
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1,494 47,505 SH   SOLE 0 0 0 47,505
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1,319 18,811 SH   SOLE 0 0 0 18,811
SPDR S&P 500 ETF TR TR UNIT 78462F103 20,858 55,289 SH   SOLE 0 0 0 55,289
UNITED PARCEL SERVICE INC CL B 911312106 949 5,200 SH   SOLE 0 0 0 5,200
VANGUARD INDEX FDS VALUE ETF 922908744 379 2,874 SH   SOLE 0 0 0 2,874
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,933 54,139 SH   SOLE 0 0 0 54,139
VANGUARD INDEX FDS SMALL CP ETF 922908751 9,220 52,351 SH   SOLE 0 0 0 52,351
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 5,045 113,959 SH   SOLE 0 0 0 113,959
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,976 95,457 SH   SOLE 0 0 0 95,457
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 12,015 294,483 SH   SOLE 0 0 0 294,483
VANGUARD WORLD FDS UTILITIES ETF 92204A876 3,335 21,893 SH   SOLE 0 0 0 21,893
VERIZON COMMUNICATIONS INC COM 92343V104 631 12,426 SH   SOLE 0 0 0 12,426