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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 246,098 1,651 SH   SOLE   0 0 1,651
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 716,459 5,475 SH   SOLE   0 0 5,475
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 2,684,993 20,364 SH   SOLE   0 0 20,364
AMAZON COM INC COM 023135106 BBG001S5PQL7 3,189,695 25,092 SH   SOLE   0 0 25,092
AMERICAN CENTY ETF TR MULTISECTOR 025072398 BBG011MFKJQ6 13,442,915 321,780 SH   SOLE   0 0 321,780
AMGEN INC COM 031162100 BBG001S5NNL6 2,301,123 8,562 SH   SOLE   0 0 8,562
APPLE INC COM 037833100 BBG001S5N8V8 4,352,226 25,420 SH   SOLE   0 0 25,420
AQUA METALS INC COM 03837J101 BBG009CQH0Q2 15,826 14,005 SH   SOLE   0 0 14,005
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 2,842,685 8,115 SH   SOLE   0 0 8,115
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 1,555,238 9,223 SH   SOLE   0 0 9,223
CISCO SYS INC COM 17275R102 BBG001S6HC62 564,749 10,505 SH   SOLE   0 0 10,505
COCA COLA CO COM 191216100 BBG001S5SMQ8 1,170,542 20,910 SH   SOLE   0 0 20,910
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 2,196,564 3,888 SH   SOLE   0 0 3,888
CUMMINS INC COM 231021106 BBG001S5Q9M3 2,053,398 8,988 SH   SOLE   0 0 8,988
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 1,384,880 19,835 SH   SOLE   0 0 19,835
DEERE & CO COM 244199105 BBG001S5QFF7 2,117,857 5,612 SH   SOLE   0 0 5,612
DISNEY WALT CO COM 254687106 BBG001S5QHF3 1,924,521 23,745 SH   SOLE   0 0 23,745
ELI LILLY & CO COM 532457108 BBG001S5STL8 1,828,391 3,404 SH   SOLE   0 0 3,404
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 BBG00DRGSD25 10,214,754 102,035 SH   SOLE   0 0 102,035
HOME DEPOT INC COM 437076102 BBG001S5RTW7 1,810,845 5,993 SH   SOLE   0 0 5,993
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 2,211,828 15,765 SH   SOLE   0 0 15,765
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 BBG001V18CG8 320,406 5,450 SH   SOLE   0 0 5,450
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 21,836,163 154,112 SH   SOLE   0 0 154,112
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 230,009 642 SH   SOLE   0 0 642
ISHARES SILVER TR ISHARES 46428Q109 BBG001SQLN69 292,896 14,400 SH   SOLE   0 0 14,400
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 262,143 2,783 SH   SOLE   0 0 2,783
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 15,034,451 159,873 SH   SOLE   0 0 159,873
ISHARES TR GLOBAL ENERG ETF 464287341 BBG001S7RSN5 2,402,502 58,228 SH   SOLE   0 0 58,228
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 BBG00F7XD8R5 2,621,777 54,655 SH   SOLE   0 0 54,655
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 304,943 1,958 SH   SOLE   0 0 1,958
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 2,589,096 17,853 SH   SOLE   0 0 17,853
MICROSOFT CORP COM 594918104 BBG001S5TD05 3,473,554 11,001 SH   SOLE   0 0 11,001
NORTHROP GRUMMAN CORP COM 666807102 BBG001S5TP26 2,072,415 4,708 SH   SOLE   0 0 4,708
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 509,373 1,171 SH   SOLE   0 0 1,171
PEPSICO INC COM 713448108 BBG001S695T1 2,464,245 14,543 SH   SOLE   0 0 14,543
QUANTA SVCS INC COM 74762E102 BBG001S5VH85 2,674,353 14,296 SH   SOLE   0 0 14,296
REPUBLIC SVCS INC COM 760759100 BBG001S9DL33 2,279,305 15,994 SH   SOLE   0 0 15,994
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 3,067,390 90,324 SH   SOLE   0 0 90,324
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 2,389,281 49,891 SH   SOLE   0 0 49,891
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 244,863 4,912 SH   SOLE   0 0 4,912
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 5,578,081 78,831 SH   SOLE   0 0 78,831
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 571,212 8,861 SH   SOLE   0 0 8,861
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 221,626 3,275 SH   SOLE   0 0 3,275
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 BBG001S7T223 9,886,549 298,057 SH   SOLE   0 0 298,057
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 476,460 2,779 SH   SOLE   0 0 2,779
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 BBG001SRXRN6 2,516,821 101,118 SH   SOLE   0 0 101,118
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 2,858,141 39,008 SH   SOLE   0 0 39,008
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 6,108,177 84,402 SH   SOLE   0 0 84,402
TARGET CORP COM 87612E106 BBG001SC0K41 245,753 2,223 SH   SOLE   0 0 2,223
TESLA INC COM 88160R101 BBG001SQKGD7 226,199 904 SH   SOLE   0 0 904
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 2,262,805 4,488 SH   SOLE   0 0 4,488
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 16,130,369 59,235 SH   SOLE   0 0 59,235
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 3,841,954 19,726 SH   SOLE   0 0 19,726
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 6,496,569 49,607 SH   SOLE   0 0 49,607
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 441,813 2,080 SH   SOLE   0 0 2,080
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 27,504,572 199,410 SH   SOLE   0 0 199,410
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 835,825 8,970 SH   SOLE   0 0 8,970
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 BBG001T62M56 5,487,634 76,622 SH   SOLE   0 0 76,622
VISA INC COM CL A 92826C839 BBG001SRCFY3 2,460,417 10,697 SH   SOLE   0 0 10,697
WISDOMTREE TR US HIGH DIVIDEND 97717W208 BBG001SHKNX0 4,776,267 61,187 SH   SOLE   0 0 61,187