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
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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 ETFS BBRG ALL COMD K1 003261104   4,378,257 207,402 SH   SOLE   207,402 0 0
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   321,746 18,188 SH   SOLE   18,188 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   496,646 4,961 SH   SOLE   4,961 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   802,083 53,651 SH   SOLE   53,651 0 0
INVESCO CURRENCYSHARES EURO EURO SHS 46138K103   3,547,976 36,315 SH   SOLE   36,315 0 0
ISHARES GOLD TR ISHARES NEW 464285204   7,608,541 217,449 SH   SOLE   217,449 0 0
ISHARES INC JP MORGAN EM ETF 464286517   252,797 7,258 SH   SOLE   7,258 0 0
ISHARES INC MSCI EM ASIA ETF 464286426   371,335 5,897 SH   SOLE   5,897 0 0
ISHARES INC MSCI EURZONE ETF 464286608   326,769 7,736 SH   SOLE   7,736 0 0
ISHARES INC CORE MSCI EMKT 46434G103   707,283 14,862 SH   SOLE   14,862 0 0
ISHARES TR 0-3 MNTH TREASRY 46436E718   306,037 3,040 SH   SOLE   3,040 0 0
ISHARES TR ASIA 50 ETF 464288430   2,157,283 38,905 SH   SOLE   38,905 0 0
ISHARES TR CHINA LG-CAP ETF 464287184   415,036 15,644 SH   SOLE   15,644 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   252,138 4,203 SH   SOLE   4,203 0 0
ISHARES TR CORE S&P SCP ETF 464287804   403,073 4,273 SH   SOLE   4,273 0 0
ISHARES TR CORE S&P500 ETF 464287200   702,977 1,637 SH   SOLE   1,637 0 0
ISHARES TR CRE U S REIT ETF 464288521   238,920 5,064 SH   SOLE   5,064 0 0
ISHARES TR INTL DEV RE ETF 464288489   1,255,796 66,199 SH   SOLE   66,199 0 0
ISHARES TR INTL TREA BD ETF 464288117   389,319 10,474 SH   SOLE   10,474 0 0
ISHARES TR MSCI AC ASIA ETF 464288182   374,904 5,904 SH   SOLE   5,904 0 0
ISHARES TR MSCI CHINA ETF 46429B671   1,678,657 38,777 SH   SOLE   38,777 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   443,441 2,509 SH   SOLE   2,509 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   1,492,446 21,813 SH   SOLE   21,813 0 0
ISHARES TR TIPS BD ETF 464287176   895,000 8,629 SH   SOLE   8,629 0 0
ISHARES TR U.S. REAL ES ETF 464287739   922,599 11,807 SH   SOLE   11,807 0 0
PROSHARES TR BITCOIN STRATE 74347G440   140,172 10,150 SH   SOLE   10,150 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   5,030,106 210,113 SH   SOLE   210,113 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   3,544,474 104,372 SH   SOLE   104,372 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   2,357,895 73,113 SH   SOLE   73,113 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   6,303,823 131,494 SH   SOLE   131,494 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   306,263 9,529 SH   SOLE   9,529 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   3,391,102 191,048 SH   SOLE   191,048 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   4,346,160 104,929 SH   SOLE   104,929 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   3,627,000 71,836 SH   SOLE   71,836 0 0
SPDR GOLD TR GOLD SHS 78463V107   984,638 5,743 SH   SOLE   5,743 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863   340,697 14,327 SH   SOLE   14,327 0 0
SPDR INDEX SHS FDS EURO STOXX 50 78463X202   1,629,946 38,799 SH   SOLE   38,799 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   614,588 19,819 SH   SOLE   19,819 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   632,224 18,833 SH   SOLE   18,833 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   1,005,593 34,509 SH   SOLE   34,509 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,273,891 2,980 SH   SOLE   2,980 0 0
SPDR SER TR BLOOMBERG EMERGI 78464A391   415,677 20,962 SH   SOLE   20,962 0 0
SPDR SER TR BLOOMBERG INTL T 78464A516   1,902,998 89,595 SH   SOLE   89,595 0 0
SPDR SER TR FTSE INT GVT ETF 78464A490   3,806,605 97,831 SH   SOLE   97,831 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854   3,687,828 73,375 SH   SOLE   73,375 0 0
SR BANCORP INC COM 85227J106   216,625 25,000 SH   SOLE   25,000 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   3,812,350 159,713 SH   SOLE   159,713 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   461,512 9,649 SH   SOLE   9,649 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   444,683 1,633 SH   SOLE   1,633 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   416,509 5,505 SH   SOLE   5,505 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   238,796 1,263 SH   SOLE   1,263 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   4,045,238 77,988 SH   SOLE   77,988 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   735,698 18,763 SH   SOLE   18,763 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   281,540 4,860 SH   SOLE   4,860 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   1,390,796 13,096 SH   SOLE   13,096 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   3,553,103 91,269 SH   SOLE   91,269 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   311,380 5,818 SH   SOLE   5,818 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   758,761 17,355 SH   SOLE   17,355 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   465,649 7,871 SH   SOLE   7,871 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303   2,911,794 79,427 SH   SOLE   79,427 0 0