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
3M CO COM 88579Y101 BBG001S5T7X2 405,263 2,662 SH   SOLE   0 0 2,662
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 425,813 2,294 SH   SOLE   0 0 2,294
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108 BBG001T56K58 3,114,381 90,508 SH   SOLE   0 0 90,508
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 264,360 1,863 SH   SOLE   0 0 1,863
AFLAC INC COM 001055102 BBG001S5NGJ4 926,572 8,786 SH   SOLE   0 0 8,786
AIR PRODS & CHEMS INC COM 009158106 BBG001S5NSB6 391,500 1,388 SH   SOLE   0 0 1,388
ALBEMARLE CORP COM 012653101 BBG001S7SBP9 253,250 4,041 SH   SOLE   0 0 4,041
ALLSTATE CORP COM 020002101 BBG001S9BM06 310,622 1,543 SH   SOLE   0 0 1,543
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 760,785 4,317 SH   SOLE   0 0 4,317
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 388,483 6,626 SH   SOLE   0 0 6,626
AMERICAN TOWER CORP NEW COM 03027X100 BBG001S5NPQ6 242,238 1,096 SH   SOLE   0 0 1,096
AMGEN INC COM 031162100 BBG001S5NNL6 306,294 1,097 SH   SOLE   0 0 1,097
APPLE INC COM 037833100 BBG001S5N8V8 769,388 3,750 SH   SOLE   0 0 3,750
APPLIED MATLS INC COM 038222105 BBG001S5NMM7 571,728 3,123 SH   SOLE   0 0 3,123
ARCHER DANIELS MIDLAND CO COM 039483102 BBG001S5ND74 368,669 6,985 SH   SOLE   0 0 6,985
ASML HOLDING N V N Y REGISTRY SHS N07059210 BBG001SCG0R3 359,825 449 SH   SOLE   0 0 449
ATKORE INC COM 047649108 BBG001T8LDZ8 285,799 4,051 SH   SOLE   0 0 4,051
BECTON DICKINSON & CO COM 075887109 BBG001S5P374 296,270 1,720 SH   SOLE   0 0 1,720
BERKSHIRE HATHAWAY INC DEL CL A 084670108 BBG001S902J2 728,800 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 388,616 800 SH   SOLE   0 0 800
BLOCK H & R INC COM 093671105 BBG001S5S031 352,833 6,428 SH   SOLE   0 0 6,428
BROADCOM INC COM 11135F101 BBG00KHY5SY8 989,033 3,588 SH   SOLE   0 0 3,588
CATERPILLAR INC COM 149123101 BBG001S5PJ06 569,893 1,468 SH   SOLE   0 0 1,468
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 633,616 4,425 SH   SOLE   0 0 4,425
CISCO SYS INC COM 17275R102 BBG001S6HC62 429,046 6,184 SH   SOLE   0 0 6,184
COCA COLA CO COM 191216100 BBG001S5SMQ8 241,541 3,414 SH   SOLE   0 0 3,414
COMERICA INC COM 200340107 BBG001S6PXB1 325,868 5,463 SH   SOLE   0 0 5,463
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 281,143 284 SH   SOLE   0 0 284
CUMMINS INC COM 231021106 BBG001S5Q9M3 701,505 2,142 SH   SOLE   0 0 2,142
DEERE & CO COM 244199105 BBG001S5QFF7 533,407 1,049 SH   SOLE   0 0 1,049
DISNEY WALT CO COM 254687106 BBG001S5QHF3 280,759 2,264 SH   SOLE   0 0 2,264
FIRST SOLAR INC COM 336433107 BBG001S991Z7 649,248 3,922 SH   SOLE   0 0 3,922
FLOOR & DECOR HLDGS INC CL A 339750101 BBG007GJ2F90 291,459 3,837 SH   SOLE   0 0 3,837
FORD MTR CO COM 345370860 BBG001S5TZ33 156,067 14,384 SH   SOLE   0 0 14,384
GENERAL DYNAMICS CORP COM 369550108 BBG001S5RHP1 218,454 749 SH   SOLE   0 0 749
GENUINE PARTS CO COM 372460105 BBG001S5RNH7 299,151 2,466 SH   SOLE   0 0 2,466
GILEAD SCIENCES INC COM 375558103 BBG001S6Y1X7 844,276 7,615 SH   SOLE   0 0 7,615
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 BBG00DRGSD25 1,143,113 11,414 SH   SOLE   0 0 11,414
HERSHEY CO COM 427866108 BBG001S5S148 583,647 3,517 SH   SOLE   0 0 3,517
HEWLETT PACKARD ENTERPRISE C COM 42824C109 BBG0078W3NP4 385,626 18,857 SH   SOLE   0 0 18,857
INTEL CORP COM 458140100 BBG001S5SF65 200,548 8,953 SH   SOLE   0 0 8,953
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 313,646 1,064 SH   SOLE   0 0 1,064
IRADIMED CORP COM 46266A109 BBG006NM92Y1 260,087 4,350 SH   SOLE   0 0 4,350
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 28,003,163 437,960 SH   SOLE   0 0 437,960
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 8,559,671 86,287 SH   SOLE   0 0 86,287
ISHARES TR EXPANDED TECH 464287515 BBG001S7W2J1 5,981,109 54,622 SH   SOLE   0 0 54,622
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 36,514,590 844,854 SH   SOLE   0 0 844,854
ISHARES TR US INFRASTRUC 46435U713 BBG00KHHFPF1 3,204,139 65,138 SH   SOLE   0 0 65,138
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 693,755 2,393 SH   SOLE   0 0 2,393
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 242,370 1,880 SH   SOLE   0 0 1,880
LAM RESEARCH CORP COM NEW 512807306 BBG001S5SW40 769,376 7,904 SH   SOLE   0 0 7,904
LINDE PLC SHS G54950103 BBG01FND0CH6 515,160 1,098 SH   SOLE   0 0 1,098
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 616,903 1,332 SH   SOLE   0 0 1,332
LOWES COS INC COM 548661107 BBG001S5SVL3 488,780 2,203 SH   SOLE   0 0 2,203
MERCK & CO INC COM 58933Y105 BBG001S5TC52 343,317 4,337 SH   SOLE   0 0 4,337
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 397,831 539 SH   SOLE   0 0 539
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,739,674 3,497 SH   SOLE   0 0 3,497
MORGAN STANLEY COM NEW 617446448 BBG001S9V5Z3 359,053 2,549 SH   SOLE   0 0 2,549
NATIONAL FUEL GAS CO COM 636180101 BBG001S5TLR8 312,665 3,691 SH   SOLE   0 0 3,691
NAVITAS SEMICONDUCTOR CORP COM 63942X106 BBG00YQ6KTM3 72,778 11,111 SH   SOLE   0 0 11,111
NUTRIEN LTD COM 67077M108 BBG00JM9SM69 331,270 5,688 SH   SOLE   0 0 5,688
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 462,437 2,927 SH   SOLE   0 0 2,927
ORACLE CORP COM 68389X105 BBG001S5SJG6 336,035 1,537 SH   SOLE   0 0 1,537
PALANTIR TECHNOLOGIES INC CL A 69608A108 BBG001T53796 415,776 3,050 SH   SOLE   0 0 3,050
PHILLIPS 66 COM 718546104 BBG00286S4P7 237,885 1,994 SH   SOLE   0 0 1,994
QUALCOMM INC COM 747525103 BBG001S6VS70 362,476 2,276 SH   SOLE   0 0 2,276
RBB FD INC US TREAS 3 MNTH 74933W452 BBG01922X1R4 1,131,988 22,642 SH   SOLE   0 0 22,642
REPUBLIC SVCS INC COM 760759100 BBG001S9DL33 347,474 1,409 SH   SOLE   0 0 1,409
SALESFORCE INC COM 79466L302 BBG001SDLP09 563,651 2,067 SH   SOLE   0 0 2,067
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 25,282,670 954,063 SH   SOLE   0 0 954,063
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 9,850,790 369,220 SH   SOLE   0 0 369,220
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 BBG001S7TD56 1,697,304 20,785 SH   SOLE   0 0 20,785
SNAP ON INC COM 833034101 BBG001S5W688 304,335 978 SH   SOLE   0 0 978
SPDR SERIES TRUST S&P METALS MNG 78464A755 BBG001SMH2W0 3,212,444 47,790 SH   SOLE   0 0 47,790
SPROUTS FMRS MKT INC COM 85208M102 BBG001V0MZS0 1,109,674 6,740 SH   SOLE   0 0 6,740
TARGET CORP COM 87612E106 BBG001SC0K41 369,247 3,743 SH   SOLE   0 0 3,743
TESLA INC COM 88160R101 BBG001SQKGD7 1,213,779 3,821 SH   SOLE   0 0 3,821
T-MOBILE US INC COM 872590104 BBG001SKR9Y6 522,743 2,194 SH   SOLE   0 0 2,194
UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 502,177 4,975 SH   SOLE   0 0 4,975
VALERO ENERGY CORP COM 91913Y100 BBG001S5X8K9 739,098 5,498 SH   SOLE   0 0 5,498
VANECK ETF TRUST PREFERRED SECURT 92189F429 BBG0034VZPF0 4,937,871 288,427 SH   SOLE   0 0 288,427
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 16,990,342 219,684 SH   SOLE   0 0 219,684
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 416,482 5,656 SH   SOLE   0 0 5,656
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 12,167,861 245,766 SH   SOLE   0 0 245,766
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 1,969,855 4,495 SH   SOLE   0 0 4,495
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 373,077 1,311 SH   SOLE   0 0 1,311
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 237,298 1,442 SH   SOLE   0 0 1,442
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 6,976,808 78,354 SH   SOLE   0 0 78,354
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 708,735 1,248 SH   SOLE   0 0 1,248
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 22,976,970 117,826 SH   SOLE   0 0 117,826
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 267,299 1,130 SH   SOLE   0 0 1,130
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 880,004 4,979 SH   SOLE   0 0 4,979
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 17,558,649 355,006 SH   SOLE   0 0 355,006
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 1,657,088 12,894 SH   SOLE   0 0 12,894
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 511,432 10,431 SH   SOLE   0 0 10,431
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 8,480,063 102,268 SH   SOLE   0 0 102,268
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 BBG001TCHH58 1,650,733 6,052 SH   SOLE   0 0 6,052
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 481,002 6,963 SH   SOLE   0 0 6,963
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 4,127,585 72,399 SH   SOLE   0 0 72,399
VANGUARD WORLD FD ENERGY ETF 92204A306 BBG001SHTV45 3,044,884 25,559 SH   SOLE   0 0 25,559
VANGUARD WORLD FD FINANCIALS ETF 92204A405 BBG001SHTTM0 4,297,470 33,759 SH   SOLE   0 0 33,759
VANGUARD WORLD FD MATERIALS ETF 92204A801 BBG001SHTTP7 3,208,202 16,467 SH   SOLE   0 0 16,467
VANGUARD WORLD FD UTILITIES ETF 92204A876 BBG001SHVTP4 396,994 2,249 SH   SOLE   0 0 2,249
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 230,413 5,325 SH   SOLE   0 0 5,325
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 359,019 1,569 SH   SOLE   0 0 1,569
YELP INC CL A 985817105 BBG001T6C2W9 239,993 7,003 SH   SOLE   0 0 7,003