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 400,047 2,724 SH   SOLE   0 0 2,724
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 398,088 1,900 SH   SOLE   0 0 1,900
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108 BBG001T56K58 3,146,416 96,783 SH   SOLE   0 0 96,783
AFLAC INC COM 001055102 BBG001S5NGJ4 976,916 8,786 SH   SOLE   0 0 8,786
AIR PRODS & CHEMS INC COM 009158106 BBG001S5NSB6 388,410 1,317 SH   SOLE   0 0 1,317
ALBEMARLE CORP COM 012653101 BBG001S7SBP9 247,893 3,442 SH   SOLE   0 0 3,442
ALLSTATE CORP COM 020002101 BBG001S9BM06 317,232 1,532 SH   SOLE   0 0 1,532
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 659,076 4,262 SH   SOLE   0 0 4,262
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 422,601 7,041 SH   SOLE   0 0 7,041
AMERICAN TOWER CORP NEW COM 03027X100 BBG001S5NPQ6 243,060 1,117 SH   SOLE   0 0 1,117
AMGEN INC COM 031162100 BBG001S5NNL6 270,114 867 SH   SOLE   0 0 867
APPLE INC COM 037833100 BBG001S5N8V8 848,981 3,822 SH   SOLE   0 0 3,822
APPLIED MATLS INC COM 038222105 BBG001S5NMM7 453,210 3,123 SH   SOLE   0 0 3,123
ARCHER DANIELS MIDLAND CO COM 039483102 BBG001S5ND74 335,254 6,983 SH   SOLE   0 0 6,983
ASML HOLDING N V N Y REGISTRY SHS N07059210 BBG001SCG0R3 271,679 410 SH   SOLE   0 0 410
ATKORE INC COM 047649108 BBG001T8LDZ8 332,705 5,546 SH   SOLE   0 0 5,546
BERKSHIRE HATHAWAY INC DEL CL A 084670108 BBG001S902J2 798,442 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 426,064 800 SH   SOLE   0 0 800
BLOCK H & R INC COM 093671105 BBG001S5S031 334,732 6,096 SH   SOLE   0 0 6,096
BROADCOM INC COM 11135F101 BBG00KHY5SY8 489,398 2,923 SH   SOLE   0 0 2,923
CATERPILLAR INC COM 149123101 BBG001S5PJ06 359,153 1,089 SH   SOLE   0 0 1,089
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 687,897 4,112 SH   SOLE   0 0 4,112
CISCO SYS INC COM 17275R102 BBG001S6HC62 381,739 6,186 SH   SOLE   0 0 6,186
COCA COLA CO COM 191216100 BBG001S5SMQ8 253,535 3,540 SH   SOLE   0 0 3,540
COMERICA INC COM 200340107 BBG001S6PXB1 320,342 5,424 SH   SOLE   0 0 5,424
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 261,036 276 SH   SOLE   0 0 276
CUMMINS INC COM 231021106 BBG001S5Q9M3 635,657 2,028 SH   SOLE   0 0 2,028
DEERE & CO COM 244199105 BBG001S5QFF7 522,387 1,113 SH   SOLE   0 0 1,113
FIRST SOLAR INC COM 336433107 BBG001S991Z7 495,859 3,922 SH   SOLE   0 0 3,922
FLOOR & DECOR HLDGS INC CL A 339750101 BBG007GJ2F90 281,404 3,497 SH   SOLE   0 0 3,497
FORD MTR CO COM 345370860 BBG001S5TZ33 179,929 17,939 SH   SOLE   0 0 17,939
GENUINE PARTS CO COM 372460105 BBG001S5RNH7 308,692 2,591 SH   SOLE   0 0 2,591
GILEAD SCIENCES INC COM 375558103 BBG001S6Y1X7 853,261 7,615 SH   SOLE   0 0 7,615
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 BBG00DRGSD25 1,033,558 10,317 SH   SOLE   0 0 10,317
HERSHEY CO COM 427866108 BBG001S5S148 666,846 3,899 SH   SOLE   0 0 3,899
HEWLETT PACKARD ENTERPRISE C COM 42824C109 BBG0078W3NP4 284,885 18,463 SH   SOLE   0 0 18,463
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 281,235 1,131 SH   SOLE   0 0 1,131
IRADIMED CORP COM 46266A109 BBG006NM92Y1 228,288 4,350 SH   SOLE   0 0 4,350
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 28,013,585 453,441 SH   SOLE   0 0 453,441
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 16,771,392 169,545 SH   SOLE   0 0 169,545
ISHARES TR EXPANDED TECH 464287515 BBG001S7W2J1 4,902,282 55,088 SH   SOLE   0 0 55,088
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 33,353,968 840,362 SH   SOLE   0 0 840,362
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 9,745,260 87,724 SH   SOLE   0 0 87,724
ISHARES TR US INFRASTRUC 46435U713 BBG00KHHFPF1 3,114,247 69,098 SH   SOLE   0 0 69,098
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 616,685 2,514 SH   SOLE   0 0 2,514
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 240,068 1,688 SH   SOLE   0 0 1,688
LAM RESEARCH CORP COM NEW 512807306 BBG001S5SW40 530,347 7,295 SH   SOLE   0 0 7,295
LINDE PLC SHS G54950103 BBG01FND0CH6 511,273 1,098 SH   SOLE   0 0 1,098
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 592,785 1,327 SH   SOLE   0 0 1,327
LOWES COS INC COM 548661107 BBG001S5SVL3 511,007 2,191 SH   SOLE   0 0 2,191
LULULEMON ATHLETICA INC COM 550021109 BBG001STBM75 227,298 803 SH   SOLE   0 0 803
MERCK & CO INC COM 58933Y105 BBG001S5TC52 380,044 4,234 SH   SOLE   0 0 4,234
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 310,659 539 SH   SOLE   0 0 539
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,444,300 3,847 SH   SOLE   0 0 3,847
MORGAN STANLEY COM NEW 617446448 BBG001S9V5Z3 323,410 2,772 SH   SOLE   0 0 2,772
NATIONAL FUEL GAS CO COM 636180101 BBG001S5TLR8 350,258 4,423 SH   SOLE   0 0 4,423
NAVITAS SEMICONDUCTOR CORP COM 63942X106 BBG00YQ6KTM3 22,778 11,111 SH   SOLE   0 0 11,111
NUTRIEN LTD COM 67077M108 BBG00JM9SM69 282,523 5,688 SH   SOLE   0 0 5,688
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 317,229 2,927 SH   SOLE   0 0 2,927
ONEOK INC NEW COM 682680103 BBG001S5TWK1 245,372 2,473 SH   SOLE   0 0 2,473
ORACLE CORP COM 68389X105 BBG001S5SJG6 219,922 1,573 SH   SOLE   0 0 1,573
PALANTIR TECHNOLOGIES INC CL A 69608A108 BBG001T53796 305,950 3,625 SH   SOLE   0 0 3,625
QUALCOMM INC COM 747525103 BBG001S6VS70 347,313 2,261 SH   SOLE   0 0 2,261
RBB FD INC US TREAS 3 MNTH 74933W452 BBG01922X1R4 1,078,416 21,564 SH   SOLE   0 0 21,564
REPUBLIC SVCS INC COM 760759100 BBG001S9DL33 341,204 1,409 SH   SOLE   0 0 1,409
SALESFORCE INC COM 79466L302 BBG001SDLP09 517,399 1,928 SH   SOLE   0 0 1,928
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 232,727 2,973 SH   SOLE   0 0 2,973
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 28,973,131 1,036,235 SH   SOLE   0 0 1,036,235
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 BBG001S7TD56 1,329,490 16,861 SH   SOLE   0 0 16,861
SNAP ON INC COM 833034101 BBG001S5W688 331,955 985 SH   SOLE   0 0 985
SPDR SER TR S&P METALS MNG 78464A755 BBG001SMH2W0 3,060,526 54,662 SH   SOLE   0 0 54,662
SPROUTS FMRS MKT INC COM 85208M102 BBG001V0MZS0 1,028,794 6,740 SH   SOLE   0 0 6,740
TARGET CORP COM 87612E106 BBG001SC0K41 344,597 3,302 SH   SOLE   0 0 3,302
TESLA INC COM 88160R101 BBG001SQKGD7 927,275 3,578 SH   SOLE   0 0 3,578
T-MOBILE US INC COM 872590104 BBG001SKR9Y6 559,291 2,097 SH   SOLE   0 0 2,097
UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 519,373 4,722 SH   SOLE   0 0 4,722
VALERO ENERGY CORP COM 91913Y100 BBG001S5X8K9 654,859 4,958 SH   SOLE   0 0 4,958
VANECK ETF TRUST PREFERRED SECURT 92189F429 BBG0034VZPF0 4,767,064 284,431 SH   SOLE   0 0 284,431
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 16,706,739 218,189 SH   SOLE   0 0 218,189
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 11,955,033 244,879 SH   SOLE   0 0 244,879
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 1,597,383 4,308 SH   SOLE   0 0 4,308
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 318,022 1,299 SH   SOLE   0 0 1,299
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 229,690 1,430 SH   SOLE   0 0 1,430
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 6,976,259 77,052 SH   SOLE   0 0 77,052
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 613,912 1,195 SH   SOLE   0 0 1,195
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 12,648,010 67,893 SH   SOLE   0 0 67,893
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 10,606,666 47,831 SH   SOLE   0 0 47,831
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 846,078 4,898 SH   SOLE   0 0 4,898
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 16,304,946 360,251 SH   SOLE   0 0 360,251
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 511,831 10,315 SH   SOLE   0 0 10,315
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 BBG001TCHH58 1,444,781 5,855 SH   SOLE   0 0 5,855
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 425,055 6,845 SH   SOLE   0 0 6,845
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 3,977,830 78,258 SH   SOLE   0 0 78,258
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 242,942 1,884 SH   SOLE   0 0 1,884
VANGUARD WORLD FD ENERGY ETF 92204A306 BBG001SHTV45 3,123,962 24,085 SH   SOLE   0 0 24,085
VANGUARD WORLD FD FINANCIALS ETF 92204A405 BBG001SHTTM0 2,585,002 21,637 SH   SOLE   0 0 21,637
VANGUARD WORLD FD MATERIALS ETF 92204A801 BBG001SHTTP7 3,045,983 16,133 SH   SOLE   0 0 16,133
VANGUARD WORLD FD UTILITIES ETF 92204A876 BBG001SHVTP4 359,311 2,104 SH   SOLE   0 0 2,104
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 276,334 6,092 SH   SOLE   0 0 6,092
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 337,774 1,459 SH   SOLE   0 0 1,459
YELP INC CL A 985817105 BBG001T6C2W9 259,322 7,003 SH   SOLE   0 0 7,003