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
ISHARES CORE MF Closed 464287226   50,238,299 517,974 SH   SOLE   0 0 517,974
ISHARES CORE MF Closed 46432F842   38,335,848 621,932 SH   SOLE   0 0 621,932
SPDR PORTFOLIO MF Closed 78464A508   32,877,394 845,395 SH   SOLE   0 0 845,395
SPDR PORTFOLIO MF Closed 78464A409   25,162,225 496,590 SH   SOLE   0 0 496,590
VANGUARD SHORT MF Closed 922020805   22,275,547 476,891 SH   SOLE   0 0 476,891
ISHARES CORE MF Closed 46435G672   13,518,247 284,296 SH   SOLE   0 0 284,296
ISHARES CORE MF Closed 464287804   12,525,574 132,350 SH   SOLE   0 0 132,350
ISHARES MSCI MF Closed 46429B697   7,533,482 104,487 SH   SOLE   0 0 104,487
SPDR GOLD Common Stock 78463V107   6,170,316 36,373 SH   SOLE   0 0 36,373
ISHARES CORE MF Closed 46434G103   5,839,023 125,033 SH   SOLE   0 0 125,033
SELECT UTILITIES MF Closed 81369Y886   5,406,407 76,687 SH   SOLE   0 0 76,687
SECTOR CONSUMER MF Closed 81369Y308   5,292,629 70,994 SH   SOLE   0 0 70,994
INVESCO DB Common Stock 46141D203   5,232,296 188,145 SH   SOLE   0 0 188,145
APPLE INC Common Stock 037833100   748,439 5,760 SH   SOLE   0 0 5,760
PHILIP MORRIS Common Stock 718172109   714,583 7,060 SH   SOLE   0 0 7,060
EXXON MOBIL Common Stock 30231G102   704,596 6,388 SH   SOLE   0 0 6,388
CHEVRON CORP Common Stock 166764100   534,342 2,977 SH   SOLE   0 0 2,977
BERKSHIRE HATHAWAY Common Stock 084670702   429,371 1,390 SH   SOLE   0 0 1,390
MICROSOFT CORP Common Stock 594918104   425,675 1,775 SH   SOLE   0 0 1,775
ALTRIA GROUP Common Stock 02209S103   423,926 9,274 SH   SOLE   0 0 9,274
PPL CORP Common Stock 69351T106   391,901 13,412 SH   SOLE   0 0 13,412
JOHNSON & JOHNSON Common Stock 478160104   282,863 1,601 SH   SOLE   0 0 1,601
JPMORGAN CHASE Common Stock 46625H100   281,342 2,098 SH   SOLE   0 0 2,098
LOWES COMPANIES Common Stock 548661107   277,717 1,394 SH   SOLE   0 0 1,394
PROCTER & GAMBLE Common Stock 742718109   271,643 1,792 SH   SOLE   0 0 1,792
HOME DEPOT Common Stock 437076102   265,954 842 SH   SOLE   0 0 842
VANGUARD TOTAL MF Closed 922908769   253,327 1,325 SH   SOLE   0 0 1,325
SOUTHWEST AIRLINES Common Stock 844741108   243,299 7,226 SH   SOLE   0 0 7,226
PFIZER INC Common Stock 717081103   236,334 4,612 SH   SOLE   0 0 4,612
PNC FINANCIAL Common Stock 693475105   230,239 1,458 SH   SOLE   0 0 1,458
ELI LILLY Common Stock 532457108   217,309 594 SH   SOLE   0 0 594
MONDELEZ INTERNATIONAL Common Stock 609207105   213,213 3,199 SH   SOLE   0 0 3,199
BRISTOL MYERS Common Stock 110122108   203,287 2,825 SH   SOLE   0 0 2,825
MC CORMICK Common Stock 579780206   201,920 2,436 SH   SOLE   0 0 2,436
BOEING COMPANY Common Stock 097023105   201,919 1,060 SH   SOLE   0 0 1,060
VANGUARD RUSSELL MF Closed 92206C714   200,922 3,018 SH   SOLE   0 0 3,018