ALPHABET INC CAP STK CL C 02079K107 325064 920 SH SOLE 0 0 920 AMAZON COM INC COM 023135106 659963 2769 SH SOLE 0 0 2769 APPLE INC COM 037833100 2487167 8595 SH SOLE 0 0 8595 AUTOMATIC DATA PROCESSING IN COM 053015103 383199 1711 SH SOLE 0 0 1711 EMERSON ELEC CO COM 291011104 393090 2746 SH SOLE 0 0 2746 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 387302 774 SH SOLE 0 0 774 BLOCK INC CL A 852234103 291688 3838 SH SOLE 0 0 3838 CAPITAL ONE FINL CORP COM 14040H105 408998 2039 SH SOLE 0 0 2039 CITIGROUP INC COM NEW 172967424 265219 1895 SH SOLE 0 0 1895 SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308 1815080 21850 SH SOLE 0 0 21850 EBAY INC. COM 278642103 220146 1970 SH SOLE 0 0 1970 MICROSOFT CORP COM 594918104 546552 1465 SH SOLE 0 0 1465 ETSY INC COM 29786A106 377177 5007 SH SOLE 0 0 5007 SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 692695 12921 SH SOLE 0 0 12921 ISHARES TR ISHS 1-5YR INVS 464288646 20105271 383615 SH SOLE 0 0 383615 ISHARES INC MSCI EMRG CHN 46434G764 1517671 14835 SH SOLE 0 0 14835 ISHARES INC MSCI GBL ETF NEW 46434G848 534573 9193 SH SOLE 0 0 9193 LOWES COS INC COM 548661107 647854 2938 SH SOLE 0 0 2938 VANECK ETF TRUST JP MRGAN EM LOC 92189H300 6529787 255469 SH SOLE 0 0 255469 VANECK ETF TRUST GOLD MINERS ETF 92189F106 595523 7893 SH SOLE 0 0 7893 ALPHABET INC CAP STK CL A 02079K305 1718233 4808 SH SOLE 0 0 4808 NOVARTIS AG SPONSORED ADR 66987V109 242916 1550 SH SOLE 0 0 1550 PAYCHEX INC COM 704326107 571945 5817 SH SOLE 0 0 5817 SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 19331157 555333 SH SOLE 0 0 555333 SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 380756 13148 SH SOLE 0 0 13148 STARBUCKS CORP COM 855244109 369901 3620 SH SOLE 0 0 3620 VANECK ETF TRUST STEEL ETF 92189F205 318356 3235 SH SOLE 0 0 3235 UNITEDHEALTH GROUP INC COM 91324P102 241897 582 SH SOLE 0 0 582 VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 4660055 56383 SH SOLE 0 0 56383 VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 24103851 304996 SH SOLE 0 0 304996 VANGUARD INDEX FDS SM CP VAL ETF 922908611 10266432 42250 SH SOLE 0 0 42250 WISDOMTREE TR JAPN HEDGE EQT 97717W851 12946253 74610 SH SOLE 0 0 74610