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
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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
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108   718,281 26,053 SH   SOLE 0 0 0 26,053
AMAZON COM INC COM 023135106   958,734 4,370 SH   SOLE 0 0 0 4,370
AMGEN INC COM 031162100   216,874 832 SH   SOLE 0 0 0 832
APPLE INC COM 037833100   563,784 2,251 SH   SOLE 0 0 0 2,251
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   3,972,143 22,668 SH   SOLE 0 0 0 22,668
INVESCO QQQ TR UNIT SER 1 46090E103   6,136,265 12,003 SH   SOLE 0 0 0 12,003
ISHARES GOLD TR ISHARES NEW 464285204   867,069 17,513 SH   SOLE 0 0 0 17,513
ISHARES TR S&P 100 ETF 464287101   256,210 887 SH   SOLE 0 0 0 887
ISHARES TR CORE S&P MCP ETF 464287507   7,348,115 117,928 SH   SOLE 0 0 0 117,928
ISHARES TR CORE S&P SCP ETF 464287804   11,595,024 100,634 SH   SOLE 0 0 0 100,634
ISHARES TR CORE S&P500 ETF 464287200   18,839,762 32,003 SH   SOLE 0 0 0 32,003
ISHARES TR RUS 1000 ETF 464287622   591,937 1,837 SH   SOLE 0 0 0 1,837
ISHARES TR RUS 1000 VAL ETF 464287598   1,521,769 8,220 SH   SOLE 0 0 0 8,220
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   20,051,839 395,422 SH   SOLE 0 0 0 395,422
JOHNSON & JOHNSON COM 478160104   1,597,065 11,043 SH   SOLE 0 0 0 11,043
MICROSOFT CORP COM 594918104   714,413 1,695 SH   SOLE 0 0 0 1,695
NVIDIA CORPORATION COM 67066G104   300,188 2,235 SH   SOLE 0 0 0 2,235
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   24,022,122 1,058,243 SH   SOLE 0 0 0 1,058,243
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   18,829,908 689,235 SH   SOLE 0 0 0 689,235
SPDR GOLD TR GOLD SHS 78463V107   288,135 1,190 SH   SOLE 0 0 0 1,190
SPDR SER TR S&P REGL BKG 78464A698   203,650 3,374 SH   SOLE 0 0 0 3,374
TESLA INC COM 88160R101   231,719 574 SH   SOLE 0 0 0 574
UNITED STS OIL FD LP UNITS 91232N207   923,221 12,220 SH   SOLE 0 0 0 12,220
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   13,403,553 270,124 SH   SOLE 0 0 0 270,124
VANGUARD INDEX FDS TOTAL STK MKT 922908769   6,888,580 23,769 SH   SOLE 0 0 0 23,769
VANGUARD INDEX FDS GROWTH ETF 922908736   435,924 1,062 SH   SOLE 0 0 0 1,062
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   10,669,936 54,486 SH   SOLE 0 0 0 54,486
VANGUARD WORLD FD ENERGY ETF 92204A306   720,431 5,939 SH   SOLE 0 0 0 5,939
VANGUARD WORLD FD INF TECH ETF 92204A702   3,535,884 5,687 SH   SOLE 0 0 0 5,687
VANGUARD WORLD FD COMM SRVC ETF 92204A884   237,896 1,535 SH   SOLE 0 0 0 1,535