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
AFLAC INC COM 001055102   276,793 2,478 SH   SOLE   0 0 2,478
ABBOTT LABS COM 002824100   215,657 1,610 SH   SOLE   0 0 1,610
AIR PRODS & CHEMS INC COM 009158106   625,892 2,295 SH   SOLE   0 0 2,295
ALPHABET INC CAP STK CL A 02079K305   539,682 2,220 SH   SOLE   0 0 2,220
AMERICAN CENTY ETF TR US SML CP VALU 025072877   3,771,213 37,890 SH   SOLE   0 0 37,890
CENCORA INC COM 03073E105   310,655 994 SH   SOLE   0 0 994
AMGEN INC COM 031162100   368,271 1,305 SH   SOLE   0 0 1,305
APPLE INC COM 037833100   2,307,270 9,061 SH   SOLE   0 0 9,061
BANK AMERICA CORP COM 060505104   300,512 5,825 SH   SOLE   0 0 5,825
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   402,192 800 SH   SOLE   0 0 800
BLACKROCK INC COM 09290D101   536,300 460 SH   SOLE   0 0 460
BOOKING HOLDINGS INC COM 09857L108   307,758 57 SH   SOLE   0 0 57
CHEVRON CORP NEW COM 166764100   308,406 1,986 SH   SOLE   0 0 1,986
CISCO SYS INC COM 17275R102   1,121,686 16,394 SH   SOLE   0 0 16,394
COSTCO WHSL CORP NEW COM 22160K105   326,747 353 SH   SOLE   0 0 353
EMERSON ELEC CO COM 291011104   507,929 3,872 SH   SOLE   0 0 3,872
EXXON MOBIL CORP COM 30231G102   289,768 2,570 SH   SOLE   0 0 2,570
GENERAL DYNAMICS CORP COM 369550108   343,387 1,007 SH   SOLE   0 0 1,007
GILEAD SCIENCES INC COM 375558103   219,780 1,980 SH   SOLE   0 0 1,980
HOME DEPOT INC COM 437076102   226,096 558 SH   SOLE   0 0 558
HONEYWELL INTL INC COM 438516106   360,797 1,714 SH   SOLE   0 0 1,714
ILLINOIS TOOL WKS INC COM 452308109   270,147 1,036 SH   SOLE   0 0 1,036
INTERCONTINENTAL EXCHANGE IN COM 45866F104   269,568 1,600 SH   SOLE   0 0 1,600
INTERNATIONAL BUSINESS MACHS COM 459200101   213,031 755 SH   SOLE   0 0 755
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784   300,115 13,920 SH   SOLE   0 0 13,920
ISHARES GOLD TR ISHARES NEW 464285204   2,353,188 32,337 SH   SOLE   0 0 32,337
ISHARES TR CORE S&P TTL STK 464287150   1,312,015 9,008 SH   SOLE   0 0 9,008
ISHARES TR SELECT DIVID ETF 464287168   752,277 5,294 SH   SOLE   0 0 5,294
ISHARES TR CORE S&P500 ETF 464287200   4,403,934 6,580 SH   SOLE   0 0 6,579
ISHARES TR CORE S&P MCP ETF 464287507   4,956,075 75,944 SH   SOLE   0 0 75,943
ISHARES TR RUS 1000 VAL ETF 464287598   2,888,575 14,188 SH   SOLE   0 0 14,188
ISHARES TR RUS 1000 GRW ETF 464287614   2,884,747 6,159 SH   SOLE   0 0 6,158
ISHARES TR RUSSELL 2000 ETF 464287655   254,370 1,051 SH   SOLE   0 0 1,051
ISHARES TR CORE S&P SCP ETF 464287804   581,791 4,896 SH   SOLE   0 0 4,895
ISHARES TR PFD AND INCM SEC 464288687   215,639 6,820 SH   SOLE   0 0 6,819
ISHARES TR MSCI USA QLT FCT 46432F339   2,781,350 14,300 SH   SOLE   0 0 14,300
ISHARES TR CORE MSCI EAFE 46432F842   10,479,318 120,024 SH   SOLE   0 0 120,024
ISHARES INC CORE MSCI EMKT 46434G103   9,700,680 147,158 SH   SOLE   0 0 147,158
JPMORGAN CHASE & CO. COM 46625H100   680,465 2,157 SH   SOLE   0 0 2,157
JOHNSON & JOHNSON COM 478160104   639,328 3,448 SH   SOLE   0 0 3,448
KINDER MORGAN INC DEL COM 49456B101   228,971 8,088 SH   SOLE   0 0 8,088
LOCKHEED MARTIN CORP COM 539830109   285,372 572 SH   SOLE   0 0 571
MCDONALDS CORP COM 580135101   247,070 813 SH   SOLE   0 0 813
MICROSOFT CORP COM 594918104   1,535,830 2,965 SH   SOLE   0 0 2,965
NOVARTIS AG SPONSORED ADR 66987V109   358,687 2,797 SH   SOLE   0 0 2,797
NVIDIA CORPORATION COM 67066G104   609,184 3,265 SH   SOLE   0 0 3,265
ORACLE CORP COM 68389X105   226,117 804 SH   SOLE   0 0 804
PHILLIPS 66 COM 718546104   309,173 2,273 SH   SOLE   0 0 2,273
PROCTER AND GAMBLE CO COM 742718109   434,004 2,825 SH   SOLE   0 0 2,824
RTX CORPORATION COM 75513E101   562,061 3,359 SH   SOLE   0 0 3,359
S&P GLOBAL INC COM 78409V104   214,152 440 SH   SOLE   0 0 440
SPDR S&P 500 ETF TR TR UNIT 78462F103   277,797 417 SH   SOLE   0 0 417
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,161,362 8,345 SH   SOLE   0 0 8,344
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   420,134 1,753 SH   SOLE   0 0 1,753
SELECT SECTOR SPDR TR ENERGY 81369Y506   568,849 6,367 SH   SOLE   0 0 6,367
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,161,450 21,560 SH   SOLE   0 0 21,560
SELECT SECTOR SPDR TR INDL 81369Y704   454,266 2,945 SH   SOLE   0 0 2,945
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,438,099 5,102 SH   SOLE   0 0 5,102
TJX COS INC NEW COM 872540109   407,323 2,818 SH   SOLE   0 0 2,818
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   18,015,131 83,485 SH   SOLE   0 0 83,484
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,123,424 15,293 SH   SOLE   0 0 15,293
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,917,171 82,062 SH   SOLE   0 0 82,062
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   5,830,961 41,369 SH   SOLE   0 0 41,369
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   380,980 7,525 SH   SOLE   0 0 7,524
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,421,305 63,147 SH   SOLE   0 0 63,147
VANGUARD WORLD FD INF TECH ETF 92204A702   482,252 646 SH   SOLE   0 0 645
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   300,544 6,400 SH   SOLE   0 0 6,400
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   959,626 1,567 SH   SOLE   0 0 1,567
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   266,860 2,919 SH   SOLE   0 0 2,919
VANGUARD INDEX FDS SM CP VAL ETF 922908611   11,956,283 57,287 SH   SOLE   0 0 57,286
VANGUARD INDEX FDS MID CAP ETF 922908629   3,238,435 11,025 SH   SOLE   0 0 11,024
VANGUARD INDEX FDS GROWTH ETF 922908736   451,709 942 SH   SOLE   0 0 941
VANGUARD INDEX FDS VALUE ETF 922908744   1,563,165 8,382 SH   SOLE   0 0 8,382
VANGUARD INDEX FDS SMALL CP ETF 922908751   653,915 2,572 SH   SOLE   0 0 2,571
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,114,794 6,444 SH   SOLE   0 0 6,444
VERIZON COMMUNICATIONS INC COM 92343V104   330,636 7,523 SH   SOLE   0 0 7,523
VISA INC COM CL A 92826C839   268,325 786 SH   SOLE   0 0 786
WALMART INC COM 931142103   576,777 5,597 SH   SOLE   0 0 5,596
WARNER BROS DISCOVERY INC COM SER A 934423104   195,300 10,000 SH   SOLE   0 0 10,000
LINDE PLC SHS G54950103   232,275 489 SH   SOLE   0 0 489
ASML HOLDING N V N Y REGISTRY SHS N07059210   242,023 250 SH   SOLE   0 0 250