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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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
ISHARES TR MSCI EAFE ETF 464287465 19,241 246,331 SH   SOLE   246,331 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 19,062 40,134 SH   SOLE   40,134 0 0
ISHARES TR MBS ETF 464288588 13,956 129,907 SH   SOLE   129,907 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 12,853 158,171 SH   SOLE   158,171 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 10,761 223,145 SH   SOLE   223,145 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 7,216 233,006 SH   SOLE   233,006 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 6,928 131,108 SH   SOLE   131,108 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 4,631 54,143 SH   SOLE   54,143 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,822 6,464 SH   SOLE   6,464 0 0
SPDR GOLD TR GOLD SHS 78463V107 2,002 11,710 SH   SOLE   11,710 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1,774 24,779 SH   SOLE   24,779 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,656 3,472 SH   SOLE   3,472 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 1,559 12,119 SH   SOLE   12,119 0 0
MICROSOFT CORP COM 594918104 1,460 4,377 SH   SOLE   4,377 0 0
UNITED BANKSHARES INC WEST V COM 909907107 1,396 38,480 SH   SOLE   38,480 0 0
APPLE INC COM 037833100 1,260 7,406 SH   SOLE   7,406 0 0
OLD REP INTL CORP COM 680223104 1,254 51,000 SH   SOLE   51,000 0 0
META PLATFORMS INC CL A 30303M102 1,252 3,723 SH   SOLE   3,723 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 1,170 12,910 SH   SOLE   12,910 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 985 5,964 SH   SOLE   5,964 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 965 19,512 SH   SOLE   19,512 0 0
WELLS FARGO CO NEW COM 949746101 960 20,000 SH   SOLE   20,000 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 907 5,404 SH   SOLE   5,404 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 846 7,998 SH   SOLE   7,998 0 0
EXXON MOBIL CORP COM 30231G102 766 12,514 SH   SOLE   12,514 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 754 3,388 SH   SOLE   3,388 0 0
NEW YORK CMNTY BANCORP INC COM 649445103 733 60,000 SH   SOLE   60,000 0 0
SPDR SER TR S&P BK ETF 78464A797 649 11,895 SH   SOLE   11,895 0 0
COINBASE GLOBAL INC COM CL A 19260Q107 621 2,462 SH   SOLE   2,462 0 0
MCDONALDS CORP COM 580135101 590 2,199 SH   SOLE   2,199 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 589 3,388 SH   SOLE   3,388 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 571 2,795 SH   SOLE   2,795 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 560 2,561 SH   SOLE   2,561 0 0
ISHARES TR CORE MSCI EAFE 46432F842 558 7,470 SH   SOLE   7,470 0 0
3M CO COM 88579Y101 531 2,989 SH   SOLE   2,989 0 0
PFIZER INC COM 717081103 445 7,530 SH   SOLE   7,530 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 441 5,121 SH   SOLE   5,121 0 0
AMPHENOL CORP NEW CL A 032095101 432 4,934 SH   SOLE   4,934 0 0
ARCH CAP GROUP LTD ORD G0450A105 420 9,450 SH   SOLE   9,450 0 0
FLEXSHARES TR HIG YLD VL ETF 33939L662 401 8,179 SH   SOLE   8,179 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 377 7,379 SH   SOLE   7,379 0 0
ADVANCE AUTO PARTS INC COM 00751Y106 366 1,527 SH   SOLE   1,527 0 0
TESLA INC COM 88160R101 330 312 SH   SOLE   312 0 0
YUM BRANDS INC COM 988498101 309 2,227 SH   SOLE   2,227 0 0
WATSCO INC COM 942622200 305 974 SH   SOLE   974 0 0
EMCOR GROUP INC COM 29084Q100 305 2,391 SH   SOLE   2,391 0 0
CANNAE HLDGS INC COM 13765N107 293 8,332 SH   SOLE   8,332 0 0
BANK HAWAII CORP COM 062540109 278 3,318 SH   SOLE   3,318 0 0
METHANEX CORP COM 59151K108 277 7,000 SH   SOLE   7,000 0 0
JPMORGAN CHASE & CO COM 46625H100 272 1,716 SH   SOLE   1,716 0 0
AT&T INC COM 00206R102 267 10,855 SH   SOLE   10,855 0 0
BP PLC SPONSORED ADR 055622104 266 10,000 SH   SOLE   10,000 0 0
WEX INC COM 96208T104 246 1,755 SH   SOLE   1,755 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 238 934 SH   SOLE   934 0 0
DISNEY WALT CO COM 254687106 228 1,472 SH   SOLE   1,472 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 225 1,594 SH   SOLE   1,594 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 223 986 SH   SOLE   986 0 0
PEPSICO INC COM 713448108 221 1,274 SH   SOLE   1,274 0 0
ETF SER SOLUTIONS US GLB JETS 26922A842 207 9,830 SH   SOLE   9,830 0 0
ISHARES TR RUS MD CP GR ETF 464287481 202 1,757 SH   SOLE   1,757 0 0
DYNAVAX TECHNOLOGIES CORP COM NEW 268158201 142 10,108 SH   SOLE   10,108 0 0
STEREOTAXIS INC COM NEW 85916J409 69 11,100 SH   SOLE   11,100 0 0
NEW YORK CMNTY BANCORP INC COM 649445103 15 60,000 SH   SOLE   60,000 0 0