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
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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
3M CO COM 88579Y101   545,030 5,334 SH   SOLE 0 0 0 5,334
ABBOTT LABS COM 002824100   528,798 5,089 SH   SOLE 0 0 0 5,089
ABBVIE INC COM 00287Y109   2,396,392 13,972 SH   SOLE 0 0 0 13,972
ABERCROMBIE & FITCH CO CL A 002896207   1,857,894 10,447 SH   SOLE 0 0 0 10,447
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   766,262 2,526 SH   SOLE 0 0 0 2,526
ADOBE INC COM 00724F101   239,438 431 SH   SOLE 0 0 0 431
ADT INC DEL COM 00090Q103   148,876 19,589 SH   SOLE 0 0 0 19,589
AIRBNB INC COM CL A 009066101   207,430 1,368 SH   SOLE 0 0 0 1,368
ALPHABET INC CAP STK CL A 02079K305   558,836 3,068 SH   SOLE 0 0 0 3,068
ALPHABET INC CAP STK CL C 02079K107   529,167 2,885 SH   SOLE 0 0 0 2,885
ALTRIA GROUP INC COM 02209S103   1,690,039 37,103 SH   SOLE 0 0 0 37,103
AMAZON COM INC COM 023135106   488,536 2,528 SH   SOLE 0 0 0 2,528
AMC NETWORKS INC CL A 00164V103   128,410 13,293 SH   SOLE 0 0 0 13,293
AMDOCS LTD SHS G02602103   1,224,286 15,513 SH   SOLE 0 0 0 15,513
AMGEN INC COM 031162100   2,532,876 8,107 SH   SOLE 0 0 0 8,107
APPLE INC COM 037833100   1,377,876 6,542 SH   SOLE 0 0 0 6,542
APPLIED MATLS INC COM 038222105   354,929 1,504 SH   SOLE 0 0 0 1,504
ARISTA NETWORKS INC COM 040413106   3,660,764 10,445 SH   SOLE 0 0 0 10,445
BANK AMERICA CORP COM 060505104   325,432 8,183 SH   SOLE 0 0 0 8,183
BAUSCH HEALTH COS INC COM 071734107   650,977 93,397 SH   SOLE 0 0 0 93,397
BHP GROUP LTD SPONSORED ADS 088606108   2,019,102 35,367 SH   SOLE 0 0 0 35,367
BLOCK H & R INC COM 093671105   800,055 14,753 SH   SOLE 0 0 0 14,753
BOOKING HOLDINGS INC COM 09857L108   2,741,358 692 SH   SOLE 0 0 0 692
BP PLC SPONSORED ADR 055622104   778,749 21,572 SH   SOLE 0 0 0 21,572
BREAD FINANCIAL HOLDINGS INC COM 018581108   278,455 6,249 SH   SOLE 0 0 0 6,249
BRIGHTHOUSE FINL INC COM 10922N103   518,216 11,957 SH   SOLE 0 0 0 11,957
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   1,231,169 39,805 SH   SOLE 0 0 0 39,805
BROADCOM INC COM 11135F101   1,576,630 982 SH   SOLE 0 0 0 982
BUCKLE INC COM 118440106   451,776 12,230 SH   SOLE 0 0 0 12,230
CATERPILLAR INC COM 149123101   682,522 2,049 SH   SOLE 0 0 0 2,049
CENCORA INC COM 03073E105   1,783,024 7,914 SH   SOLE 0 0 0 7,914
CISCO SYS INC COM 17275R102   2,232,091 46,982 SH   SOLE 0 0 0 46,982
COLGATE PALMOLIVE CO COM 194162103   999,463 10,300 SH   SOLE 0 0 0 10,300
COLUMBIA BKG SYS INC COM 197236102   1,405,587 70,668 SH   SOLE 0 0 0 70,668
COMCAST CORP NEW CL A 20030N101   225,953 5,770 SH   SOLE 0 0 0 5,770
COMPASS MINERALS INTL INC COM 20451N101   197,313 19,101 SH   SOLE 0 0 0 19,101
CONOCOPHILLIPS COM 20825C104   237,339 2,075 SH   SOLE 0 0 0 2,075
COTERRA ENERGY INC COM 127097103   1,367,264 51,266 SH   SOLE 0 0 0 51,266
DAVITA INC COM 23918K108   522,825 3,773 SH   SOLE 0 0 0 3,773
DEERE & CO COM 244199105   234,266 627 SH   SOLE 0 0 0 627
DELTA AIR LINES INC DEL COM NEW 247361702   248,348 5,235 SH   SOLE 0 0 0 5,235
DICKS SPORTING GOODS INC COM 253393102   2,016,582 9,386 SH   SOLE 0 0 0 9,386
ELI LILLY & CO COM 532457108   3,824,778 4,225 SH   SOLE 0 0 0 4,225
ENOVA INTL INC COM 29357K103   337,831 5,427 SH   SOLE 0 0 0 5,427
FIRST BANCORP P R COM NEW 318672706   1,626,292 88,917 SH   SOLE 0 0 0 88,917
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F458   300,159 8,417 SH   SOLE 0 0 0 8,417
GAP INC COM 364760108   788,346 32,999 SH   SOLE 0 0 0 32,999
GENERAL MLS INC COM 370334104   385,601 6,096 SH   SOLE 0 0 0 6,096
GENERAL MTRS CO COM 37045V100   1,145,378 24,653 SH   SOLE 0 0 0 24,653
GILEAD SCIENCES INC COM 375558103   549,703 8,012 SH   SOLE 0 0 0 8,012
GOLAR LNG LTD SHS G9456A100   1,669,293 53,247 SH   SOLE 0 0 0 53,247
GOLD FIELDS LTD SPONSORED ADR 38059T106   1,242,645 83,399 SH   SOLE 0 0 0 83,399
GROUP 1 AUTOMOTIVE INC COM 398905109   1,145,123 3,852 SH   SOLE 0 0 0 3,852
GSK PLC SPONSORED ADR 37733W204   419,438 10,895 SH   SOLE 0 0 0 10,895
GUESS INC COM 401617105   1,207,292 59,181 SH   SOLE 0 0 0 59,181
HCI GROUP INC COM 40416E103   687,588 7,460 SH   SOLE 0 0 0 7,460
HOME DEPOT INC COM 437076102   2,608,995 7,579 SH   SOLE 0 0 0 7,579
HOVNANIAN ENTERPRISES INC CL A NEW 442487401   652,122 4,595 SH   SOLE 0 0 0 4,595
HOWMET AEROSPACE INC COM 443201108   321,078 4,136 SH   SOLE 0 0 0 4,136
HP INC COM 40434L105   1,069,371 30,536 SH   SOLE 0 0 0 30,536
ILLINOIS TOOL WKS INC COM 452308109   873,198 3,685 SH   SOLE 0 0 0 3,685
INFOSYS LTD SPONSORED ADR 456788108   579,436 31,119 SH   SOLE 0 0 0 31,119
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C508   19,428,998 482,948 SH   SOLE 0 0 0 482,948
INTEL CORP COM 458140100   424,239 13,698 SH   SOLE 0 0 0 13,698
INTERFACE INC COM 458665304   630,256 42,933 SH   SOLE 0 0 0 42,933
INTERNATIONAL BUSINESS MACHS COM 459200101   1,267,118 7,327 SH   SOLE 0 0 0 7,327
INVESCO MORTGAGE CAPITAL INC COM 46131B704   209,935 22,405 SH   SOLE 0 0 0 22,405
INVESCO QQQ TR UNIT SER 1 46090E103   363,173 758 SH   SOLE 0 0 0 758
ISHARES TR TRS FLT RT BD 46434V860   573,421 11,319 SH   SOLE 0 0 0 11,319
ISHARES TR MBS ETF 464288588   910,021 9,912 SH   SOLE 0 0 0 9,912
ISHARES TR CORE S&P MCP ETF 464287507   372,802 6,371 SH   SOLE 0 0 0 6,371
ISHARES TR RUS 1000 GRW ETF 464287614   295,260 810 SH   SOLE 0 0 0 810
ISHARES TR CORE MSCI EAFE 46432F842   382,551 5,266 SH   SOLE 0 0 0 5,266
ISHARES TR RUS 1000 ETF 464287622   289,804 974 SH   SOLE 0 0 0 974
ISHARES TR CORE US AGGBD ET 464287226   1,315,590 13,553 SH   SOLE 0 0 0 13,553
ISHARES TR CORE TOTAL USD 46434V613   1,109,473 24,535 SH   SOLE 0 0 0 24,535
ISHARES TR US TREAS BD ETF 46429B267   358,728 15,894 SH   SOLE 0 0 0 15,894
ISHARES TR COHEN STEER REIT 464287564   570,723 9,962 SH   SOLE 0 0 0 9,962
ISHARES TR CRE U S REIT ETF 464288521   794,616 14,836 SH   SOLE 0 0 0 14,836
ISHARES TR 20 YR TR BD ETF 464287432   273,872 2,984 SH   SOLE 0 0 0 2,984
ISHARES TR CORE S&P500 ETF 464287200   1,370,985 2,505 SH   SOLE 0 0 0 2,505
JOHNSON & JOHNSON COM 478160104   1,775,504 12,148 SH   SOLE 0 0 0 12,148
KAISER ALUMINUM CORP COM PAR $0.01 483007704   655,734 7,460 SH   SOLE 0 0 0 7,460
KIMBERLY-CLARK CORP COM 494368103   2,602,997 18,835 SH   SOLE 0 0 0 18,835
KLA CORP COM NEW 482480100   240,757 292 SH   SOLE 0 0 0 292
LAM RESEARCH CORP COM 512807108   367,373 345 SH   SOLE 0 0 0 345
LOCKHEED MARTIN CORP COM 539830109   1,128,514 2,416 SH   SOLE 0 0 0 2,416
LOWES COS INC COM 548661107   388,451 1,762 SH   SOLE 0 0 0 1,762
MARATHON PETE CORP COM 56585A102   319,724 1,843 SH   SOLE 0 0 0 1,843
MARRIOTT INTL INC NEW CL A 571903202   2,332,113 9,646 SH   SOLE 0 0 0 9,646
MASTERCARD INCORPORATED CL A 57636Q104   445,572 1,010 SH   SOLE 0 0 0 1,010
MCDONALDS CORP COM 580135101   2,382,499 9,349 SH   SOLE 0 0 0 9,349
MCKESSON CORP COM 58155Q103   412,332 706 SH   SOLE 0 0 0 706
MERCADOLIBRE INC COM 58733R102   230,076 140 SH   SOLE 0 0 0 140
MERCK & CO INC COM 58933Y105   696,994 5,630 SH   SOLE 0 0 0 5,630
MERCURY GENL CORP NEW COM 589400100   678,013 12,759 SH   SOLE 0 0 0 12,759
META PLATFORMS INC CL A 30303M102   2,058,730 4,083 SH   SOLE 0 0 0 4,083
MICRON TECHNOLOGY INC COM 595112103   350,133 2,662 SH   SOLE 0 0 0 2,662
MICROSOFT CORP COM 594918104   1,538,849 3,443 SH   SOLE 0 0 0 3,443
MOTOROLA SOLUTIONS INC COM NEW 620076307   549,735 1,424 SH   SOLE 0 0 0 1,424
MUELLER WTR PRODS INC COM SER A 624758108   634,762 35,422 SH   SOLE 0 0 0 35,422
NETAPP INC COM 64110D104   856,649 6,651 SH   SOLE 0 0 0 6,651
NETFLIX INC COM 64110L106   240,257 356 SH   SOLE 0 0 0 356
NIKE INC CL B 654106103   1,004,682 13,330 SH   SOLE 0 0 0 13,330
NORTHERN DYNASTY MINERALS LT COM NEW 66510M204   3,105 10,000 SH   SOLE 0 0 0 10,000
NORTHERN LTS FD TR IV INSPIRE GBL HOPE 66538H658   1,645,068 45,058 SH   SOLE 0 0 0 45,058
NORTHERN LTS FD TR IV INSPIRE CORP BD 66538H633   1,733,819 74,349 SH   SOLE 0 0 0 74,349
NORTHERN LTS FD TR IV INSPIRE INTL ETF 66538H419   1,590,958 54,004 SH   SOLE 0 0 0 54,004
NORTHERN LTS FD TR IV INSPIRE 100 ETF 66538H534   226,361 5,960 SH   SOLE 0 0 0 5,960
NORTHERN OIL & GAS INC COM 665531307   272,679 7,336 SH   SOLE 0 0 0 7,336
NORWEGIAN CRUISE LINE HLDG L SHS G66721104   557,969 29,695 SH   SOLE 0 0 0 29,695
NOVARTIS AG SPONSORED ADR 66987V109   459,481 4,316 SH   SOLE 0 0 0 4,316
NOVO-NORDISK A S ADR 670100205   1,389,003 9,731 SH   SOLE 0 0 0 9,731
NU SKIN ENTERPRISES INC CL A 67018T105   182,447 17,310 SH   SOLE 0 0 0 17,310
NVIDIA CORPORATION COM 67066G104   7,015,095 56,784 SH   SOLE 0 0 0 56,784
O-I GLASS INC COM 67098H104   165,492 14,869 SH   SOLE 0 0 0 14,869
OFG BANCORP COM 67103X102   1,660,458 44,338 SH   SOLE 0 0 0 44,338
ONE GAS INC COM 68235P108   1,278,213 20,019 SH   SOLE 0 0 0 20,019
ONEMAIN HLDGS INC COM 68268W103   229,164 4,726 SH   SOLE 0 0 0 4,726
ORACLE CORP COM 68389X105   322,360 2,283 SH   SOLE 0 0 0 2,283
OREILLY AUTOMOTIVE INC COM 67103H107   209,100 198 SH   SOLE 0 0 0 198
ORGANON & CO COMMON STOCK 68622V106   836,963 40,433 SH   SOLE 0 0 0 40,433
PARAMOUNT GLOBAL CLASS B COM 92556H206   916,315 88,192 SH   SOLE 0 0 0 88,192
PAYCHEX INC COM 704326107   588,888 4,967 SH   SOLE 0 0 0 4,967
PBF ENERGY INC CL A 69318G106   235,392 5,115 SH   SOLE 0 0 0 5,115
PDD HOLDINGS INC SPONSORED ADS 722304102   944,078 7,101 SH   SOLE 0 0 0 7,101
PEPSICO INC COM 713448108   503,861 3,055 SH   SOLE 0 0 0 3,055
PFIZER INC COM 717081103   387,831 13,861 SH   SOLE 0 0 0 13,861
PHILIP MORRIS INTL INC COM 718172109   2,125,042 20,972 SH   SOLE 0 0 0 20,972
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   1,509,549 14,998 SH   SOLE 0 0 0 14,998
POWELL INDS INC COM 739128106   1,780,741 12,418 SH   SOLE 0 0 0 12,418
PREMIER INC CL A 74051N102   1,135,827 60,837 SH   SOLE 0 0 0 60,837
PRICE T ROWE GROUP INC COM 74144T108   355,385 3,082 SH   SOLE 0 0 0 3,082
PROCTER AND GAMBLE CO COM 742718109   345,624 2,096 SH   SOLE 0 0 0 2,096
PROGRESSIVE CORP COM 743315103   575,980 2,773 SH   SOLE 0 0 0 2,773
QUALCOMM INC COM 747525103   826,497 4,150 SH   SOLE 0 0 0 4,150
REGENERON PHARMACEUTICALS COM 75886F107   275,370 262 SH   SOLE 0 0 0 262
RENAISSANCERE HLDGS LTD COM G7496G103   761,722 3,408 SH   SOLE 0 0 0 3,408
ROYAL CARIBBEAN GROUP COM V7780T103   2,709,832 16,997 SH   SOLE 0 0 0 16,997
RYDER SYS INC COM 783549108   300,037 2,422 SH   SOLE 0 0 0 2,422
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,457,010 31,966 SH   SOLE 0 0 0 31,966
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   296,176 6,716 SH   SOLE 0 0 0 6,716
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103   2,678,411 25,936 SH   SOLE 0 0 0 25,936
SHUTTERSTOCK INC COM 825690100   973,653 25,159 SH   SOLE 0 0 0 25,159
SPDR GOLD TR GOLD SHS 78463V107   460,766 2,143 SH   SOLE 0 0 0 2,143
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   829,606 22,023 SH   SOLE 0 0 0 22,023
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   2,984,712 85,083 SH   SOLE 0 0 0 85,083
SPDR SER TR PORTFOLIO S&P600 78468R853   1,316,991 31,712 SH   SOLE 0 0 0 31,712
SPDR SER TR PORTFOLIO LN TSR 78464A664   253,690 9,320 SH   SOLE 0 0 0 9,320
SPDR SER TR BLOOMBERG INVT 78468R200   1,495,145 48,465 SH   SOLE 0 0 0 48,465
SPDR SER TR PORTFOLIO S&P500 78464A854   6,503,518 101,617 SH   SOLE 0 0 0 101,617
SPDR SER TR PORTFOLIO S&P400 78464A847   2,865,236 55,853 SH   SOLE 0 0 0 55,853
STARBUCKS CORP COM 855244109   931,203 11,962 SH   SOLE 0 0 0 11,962
SUPER MICRO COMPUTER INC COM 86800U104   1,610,023 1,965 SH   SOLE 0 0 0 1,965
TAYLOR MORRISON HOME CORP COM 87724P106   226,306 4,082 SH   SOLE 0 0 0 4,082
TENET HEALTHCARE CORP COM NEW 88033G407   865,892 6,509 SH   SOLE 0 0 0 6,509
TEREX CORP NEW COM 880779103   680,016 12,400 SH   SOLE 0 0 0 12,400
TESLA INC COM 88160R101   1,051,336 5,313 SH   SOLE 0 0 0 5,313
TEVA PHARMACEUTICAL INDS LTD SPONSORED ADS 881624209   1,003,876 61,777 SH   SOLE 0 0 0 61,777
UNILEVER PLC SPON ADR NEW 904767704   565,407 10,282 SH   SOLE 0 0 0 10,282
UNITED AIRLS HLDGS INC COM 910047109   201,744 4,146 SH   SOLE 0 0 0 4,146
UNITED PARCEL SERVICE INC CL B 911312106   457,147 3,341 SH   SOLE 0 0 0 3,341
UNITED RENTALS INC COM 911363109   327,892 507 SH   SOLE 0 0 0 507
UNITED STATES STL CORP NEW COM 912909108   201,663 5,335 SH   SOLE 0 0 0 5,335
UNITEDHEALTH GROUP INC COM 91324P102   272,963 536 SH   SOLE 0 0 0 536
UNITI GROUP INC COM 91325V108   140,301 48,048 SH   SOLE 0 0 0 48,048
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,382,287 18,022 SH   SOLE 0 0 0 18,022
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   202,934 4,106 SH   SOLE 0 0 0 4,106
VANGUARD WORLD FD EXTENDED DUR 921910709   470,044 6,403 SH   SOLE 0 0 0 6,403
VECTOR GROUP LTD COM 92240M108   375,002 35,478 SH   SOLE 0 0 0 35,478
VERIZON COMMUNICATIONS INC COM 92343V104   2,319,709 56,249 SH   SOLE 0 0 0 56,249
VIATRIS INC COM 92556V106   1,402,894 131,975 SH   SOLE 0 0 0 131,975
WESTERN DIGITAL CORP. COM 958102105   1,847,273 24,380 SH   SOLE 0 0 0 24,380
WESTERN UN CO COM 959802109   1,406,656 115,111 SH   SOLE 0 0 0 115,111
WILLIAMS SONOMA INC COM 969904101   2,583,121 9,148 SH   SOLE 0 0 0 9,148