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
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100   2,298,773 20,936 SH   DFND   0 20,936 0
ALPHABET INC CAP STK CL A 02079K305   213,152 1,126 SH   DFND 1 0 1,126 0
ALPHABET INC CAP STK CL C 02079K107   215,197 1,130 SH   DFND 1 0 1,130 0
APPLE INC COM 037833100   949,154 3,790 SH   DFND 1 0 3,790 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   680,920 1 SH   DFND   0 1 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   354,465 782 SH   DFND   0 782 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   740,206 1,633 SH   DFND 1 0 1,633 0
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   1,079,208 16,929 SH   DFND 1 0 16,929 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   3,894,514 156,658 SH   DFND 1 0 156,658 0
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   544,082 11,179 SH   DFND   0 11,179 0
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805   2,124,687 81,250 SH   DFND   0 81,250 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   4,968,815 132,785 SH   DFND   0 132,785 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL DIS 46137V381   1,705,005 31,911 SH   DFND   0 31,911 0
ISHARES TR SELECT DIVID ETF 464287168   209,276 1,594 SH   DFND   0 1,594 0
ISHARES TR ESG AWR MSCI USA 46435G425   472,063 3,664 SH   DFND 1 0 3,664 0
ISHARES TR RUSEL 2500 ETF 46435G268   458,715 6,746 SH   DFND 1 0 6,746 0
ISHARES TR PFD AND INCM SEC 464288687   2,362,089 75,130 SH   DFND 1 0 75,130 0
ISHARES TR TIPS BD ETF 464287176   1,510,283 14,175 SH   DFND 1 0 14,175 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   3,537,695 35,166 SH   DFND 1 0 35,166 0
ISHARES TR A RATE CP BD ETF 46429B291   1,930,634 41,262 SH   DFND 1 0 41,262 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   2,834,775 28,252 SH   DFND 1 0 28,252 0
PIMCO ETF TR ENHANCD SHORT 72201R643   290,662 2,954 SH   DFND 1 0 2,954 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   205,146 7,509 SH   DFND   0 7,509 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   892,137 10,603 SH   DFND   0 10,603 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   4,800,918 34,898 SH   DFND   0 34,898 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,425,828 18,138 SH   DFND   0 18,138 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,539,310 17,970 SH   DFND   0 17,970 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   3,452,889 71,444 SH   DFND   0 71,444 0
SELECT SECTOR SPDR TR INDL 81369Y704   2,098,409 15,926 SH   DFND   0 15,926 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   1,572,098 16,239 SH   DFND   0 16,239 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   775,455 19,067 SH   DFND   0 19,067 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,078,204 14,245 SH   DFND   0 14,245 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   2,798,449 81,994 SH   DFND 1 0 81,994 0
SPDR SER TR BLOOMBERG INVT 78468R200   8,945,902 291,113 SH   DFND   0 291,113 0
SPDR SER TR PORTFOLI S&P1500 78464A805   6,131,407 85,838 SH   DFND 1 0 85,838 0
SPDR SER TR PORTFOLIO INTRMD 78464A375   4,008,904 122,372 SH   DFND 1 0 122,372 0
SPDR SER TR ICE PFD SEC ETF 78464A292   277,539 8,413 SH   DFND 1 0 8,413 0
VANECK ETF TRUST MRNGSTR INT MOAT 92189F593   250,744 8,276 SH   DFND 1 0 8,276 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   2,489,250 26,846 SH   DFND 1 0 26,846 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   939,060 12,153 SH   DFND 1 0 12,153 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   370,577 5,153 SH   DFND 1 0 5,153 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   1,171,613 17,122 SH   DFND 1 0 17,122 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   6,404,553 22,100 SH   DFND 1 0 22,100 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   569,847 12,940 SH   DFND 1 0 12,940 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   300,985 2,562 SH   DFND 1 0 2,562 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   336,153 4,188 SH   DFND 1 0 4,188 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   319,478 5,508 SH   DFND 1 0 5,508 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   3,385,157 58,184 SH   DFND 1 0 58,184 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   3,768,351 63,946 SH   DFND 1 0 63,946 0
VANGUARD WORLD FD ESG US STK ETF 921910733   311,296 2,968 SH   DFND 1 0 2,968 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725   754,560 13,308 SH   DFND 1 0 13,308 0