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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 BBG001S5T7X2 427,461 3,127 SH   SOLE   0 0 3,127
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 435,587 2,206 SH   SOLE   0 0 2,206
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108 BBG001T56K58 3,239,359 108,886 SH   SOLE   0 0 108,886
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 236,112 1,439 SH   SOLE   0 0 1,439
AFLAC INC COM 001055102 BBG001S5NGJ4 1,050,778 9,399 SH   SOLE   0 0 9,399
AIR PRODS & CHEMS INC COM 009158106 BBG001S5NSB6 292,083 981 SH   SOLE   0 0 981
ALBEMARLE CORP COM 012653101 BBG001S7SBP9 289,813 3,060 SH   SOLE   0 0 3,060
ALBERTSONS COS INC COMMON STOCK 013091103 BBG009KG1741 206,145 11,155 SH   SOLE   0 0 11,155
ALLSTATE CORP COM 020002101 BBG001S9BM06 292,251 1,541 SH   SOLE   0 0 1,541
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 509,160 3,070 SH   SOLE   0 0 3,070
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 783,975 15,360 SH   SOLE   0 0 15,360
AMERICAN TOWER CORP NEW COM 03027X100 BBG001S5NPQ6 252,793 1,087 SH   SOLE   0 0 1,087
AMGEN INC COM 031162100 BBG001S5NNL6 285,801 887 SH   SOLE   0 0 887
AMKOR TECHNOLOGY INC COM 031652100 BBG001S64YF8 232,805 7,608 SH   SOLE   0 0 7,608
APPLE INC COM 037833100 BBG001S5N8V8 1,115,116 4,786 SH   SOLE   0 0 4,786
APPLIED MATLS INC COM 038222105 BBG001S5NMM7 506,944 2,509 SH   SOLE   0 0 2,509
ARCHER DANIELS MIDLAND CO COM 039483102 BBG001S5ND74 320,984 5,373 SH   SOLE   0 0 5,373
ATKORE INC COM 047649108 BBG001T8LDZ8 438,784 5,178 SH   SOLE   0 0 5,178
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 368,208 800 SH   SOLE   0 0 800
BLOCK H & R INC COM 093671105 BBG001S5S031 290,805 4,576 SH   SOLE   0 0 4,576
BROADCOM INC COM 11135F101 BBG00KHY5SY8 451,778 2,619 SH   SOLE   0 0 2,619
CATERPILLAR INC COM 149123101 BBG001S5PJ06 435,317 1,113 SH   SOLE   0 0 1,113
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 587,461 3,989 SH   SOLE   0 0 3,989
CISCO SYS INC COM 17275R102 BBG001S6HC62 523,845 9,843 SH   SOLE   0 0 9,843
COCA COLA CO COM 191216100 BBG001S5SMQ8 275,625 3,836 SH   SOLE   0 0 3,836
COMERICA INC COM 200340107 BBG001S6PXB1 337,234 5,629 SH   SOLE   0 0 5,629
CUMMINS INC COM 231021106 BBG001S5Q9M3 691,940 2,137 SH   SOLE   0 0 2,137
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 562,776 8,950 SH   SOLE   0 0 8,950
DEERE & CO COM 244199105 BBG001S5QFF7 480,765 1,152 SH   SOLE   0 0 1,152
DISNEY WALT CO COM 254687106 BBG001S5QHF3 201,999 2,100 SH   SOLE   0 0 2,100
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 205,780 1,785 SH   SOLE   0 0 1,785
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 434,652 3,708 SH   SOLE   0 0 3,708
FIRST SOLAR INC COM 336433107 BBG001S991Z7 978,304 3,922 SH   SOLE   0 0 3,922
FLOOR & DECOR HLDGS INC CL A 339750101 BBG007GJ2F90 381,699 3,074 SH   SOLE   0 0 3,074
FORD MTR CO COM 345370860 BBG001S5TZ33 188,602 17,860 SH   SOLE   0 0 17,860
GENUINE PARTS CO COM 372460105 BBG001S5RNH7 448,373 3,210 SH   SOLE   0 0 3,210
GILEAD SCIENCES INC COM 375558103 BBG001S6Y1X7 723,875 8,634 SH   SOLE   0 0 8,634
HERSHEY CO COM 427866108 BBG001S5S148 722,628 3,768 SH   SOLE   0 0 3,768
HEWLETT PACKARD ENTERPRISE C COM 42824C109 BBG0078W3NP4 268,968 13,146 SH   SOLE   0 0 13,146
INTEL CORP COM 458140100 BBG001S5SF65 211,745 9,026 SH   SOLE   0 0 9,026
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 293,374 1,327 SH   SOLE   0 0 1,327
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 33,296,979 531,137 SH   SOLE   0 0 531,137
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 17,405,174 171,869 SH   SOLE   0 0 171,869
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 34,427,905 829,788 SH   SOLE   0 0 829,788
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 9,972,680 90,275 SH   SOLE   0 0 90,275
ISHARES TR US INFRASTRUC 46435U713 BBG00KHHFPF1 3,269,817 69,615 SH   SOLE   0 0 69,615
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 586,402 2,781 SH   SOLE   0 0 2,781
LAM RESEARCH CORP COM 512807108 BBG001S5SW40 373,765 458 SH   SOLE   0 0 458
LINDE PLC SHS G54950103 BBG01FND0CH6 494,981 1,038 SH   SOLE   0 0 1,038
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 777,465 1,330 SH   SOLE   0 0 1,330
LOWES COS INC COM 548661107 BBG001S5SVL3 566,348 2,091 SH   SOLE   0 0 2,091
LULULEMON ATHLETICA INC COM 550021109 BBG001STBM75 248,557 916 SH   SOLE   0 0 916
MERCK & CO INC COM 58933Y105 BBG001S5TC52 286,967 2,527 SH   SOLE   0 0 2,527
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 329,153 575 SH   SOLE   0 0 575
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,551,862 3,606 SH   SOLE   0 0 3,606
MORGAN STANLEY COM NEW 617446448 BBG001S9V5Z3 313,971 3,012 SH   SOLE   0 0 3,012
NATIONAL FUEL GAS CO COM 636180101 BBG001S5TLR8 236,986 3,910 SH   SOLE   0 0 3,910
NAVITAS SEMICONDUCTOR CORP COM 63942X106 BBG00YQ6KTM3 27,222 11,111 SH   SOLE   0 0 11,111
NUTRIEN LTD COM 67077M108 BBG00JM9SM69 273,366 5,688 SH   SOLE   0 0 5,688
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 592,628 4,880 SH   SOLE   0 0 4,880
ONEOK INC NEW COM 682680103 BBG001S5TWK1 225,365 2,473 SH   SOLE   0 0 2,473
ORACLE CORP COM 68389X105 BBG001S5SJG6 296,326 1,739 SH   SOLE   0 0 1,739
PACER FDS TR PACER US SMALL 69374H857 BBG00GXXR1G6 7,698,363 165,485 SH   SOLE   0 0 165,485
RBB FD INC US TREAS 3 MNTH 74933W452 BBG01922X1R4 2,314,300 46,249 SH   SOLE   0 0 46,249
REPUBLIC SVCS INC COM 760759100 BBG001S9DL33 282,984 1,409 SH   SOLE   0 0 1,409
SALESFORCE INC COM 79466L302 BBG001SDLP09 535,104 1,955 SH   SOLE   0 0 1,955
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 230,983 3,564 SH   SOLE   0 0 3,564
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 216,590 3,256 SH   SOLE   0 0 3,256
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 34,951,888 413,485 SH   SOLE   0 0 413,485
SNAP ON INC COM 833034101 BBG001S5W688 292,608 1,010 SH   SOLE   0 0 1,010
SPDR SER TR S&P METALS MNG 78464A755 BBG001SMH2W0 3,331,537 52,284 SH   SOLE   0 0 52,284
SPROUTS FMRS MKT INC COM 85208M102 BBG001V0MZS0 782,366 7,086 SH   SOLE   0 0 7,086
STANLEY BLACK & DECKER INC COM 854502101 BBG001S5WHT1 256,603 2,330 SH   SOLE   0 0 2,330
TARGET CORP COM 87612E106 BBG001SC0K41 539,432 3,461 SH   SOLE   0 0 3,461
TESLA INC COM 88160R101 BBG001SQKGD7 967,770 3,699 SH   SOLE   0 0 3,699
T-MOBILE US INC COM 872590104 BBG001SKR9Y6 432,737 2,097 SH   SOLE   0 0 2,097
UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 594,852 4,363 SH   SOLE   0 0 4,363
VALERO ENERGY CORP COM 91913Y100 BBG001S5X8K9 673,452 4,987 SH   SOLE   0 0 4,987
VANECK ETF TRUST PREFERRED SECURT 92189F429 BBG0034VZPF0 4,943,640 270,736 SH   SOLE   0 0 270,736
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 17,249,994 220,110 SH   SOLE   0 0 220,110
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 12,393,432 246,488 SH   SOLE   0 0 246,488
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 777,699 2,027 SH   SOLE   0 0 2,027
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 299,285 1,228 SH   SOLE   0 0 1,228
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 223,954 1,335 SH   SOLE   0 0 1,335
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 7,230,113 74,215 SH   SOLE   0 0 74,215
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 207,412 393 SH   SOLE   0 0 393
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 16,409,235 81,727 SH   SOLE   0 0 81,727
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 786,715 4,506 SH   SOLE   0 0 4,506
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 17,251,211 360,527 SH   SOLE   0 0 360,527
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 505,884 9,896 SH   SOLE   0 0 9,896
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 BBG001TCHH58 423,053 1,669 SH   SOLE   0 0 1,669
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 449,941 6,950 SH   SOLE   0 0 6,950
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 4,275,044 80,951 SH   SOLE   0 0 80,951
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 298,666 2,330 SH   SOLE   0 0 2,330
VANGUARD WORLD FD ENERGY ETF 92204A306 BBG001SHTV45 3,128,198 25,543 SH   SOLE   0 0 25,543
VANGUARD WORLD FD MATERIALS ETF 92204A801 BBG001SHTTP7 3,227,133 15,260 SH   SOLE   0 0 15,260
VANGUARD WORLD FD UTILITIES ETF 92204A876 BBG001SHVTP4 294,580 1,693 SH   SOLE   0 0 1,693
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 293,022 6,525 SH   SOLE   0 0 6,525
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 239,156 1,152 SH   SOLE   0 0 1,152