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
Expires: July 31, 2015
Estimated average burden
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 1,745,144 12,831 SH SOLE 0 0 12,831
ABBVIE INC COM 00287Y109 1,675,822 9,028 SH SOLE 0 0 9,028
ADVANCED MICRO DEVICES INC COM 007903107 898,936 6,335 SH SOLE 0 0 6,335
AGILENT TECHNOLOGIES INC COM 00846U101 1,226,478 10,393 SH SOLE 0 0 10,393
ALPHABET INC CAP STK CL C 02079K107 6,784,843 38,248 SH SOLE 0 0 38,248
AMAZON COM INC COM 023135106 7,504,235 34,205 SH SOLE 0 0 34,205
AMEREN CORP COM 023608102 1,406,122 14,641 SH SOLE 0 0 14,641
AMPHENOL CORP NEW CL A 032095101 2,265,914 22,946 SH SOLE 0 0 22,946
APPLE INC COM 037833100 11,107,366 54,137 SH SOLE 0 0 54,137
APPLIED MATLS INC COM 038222105 1,298,332 7,092 SH SOLE 0 0 7,092
AT&T INC COM 00206R102 1,524,791 52,688 SH SOLE 0 0 52,688
BANK AMERICA CORP COM 060505104 1,989,238 42,038 SH SOLE 0 0 42,038
BECTON DICKINSON & CO COM 075887109 1,060,888 6,159 SH SOLE 0 0 6,159
BLACKSTONE INC COM 09260D107 1,450,926 9,700 SH SOLE 0 0 9,700
BOEING CO COM 097023105 987,515 4,713 SH SOLE 0 0 4,713
BROADCOM INC COM 11135F101 4,181,059 15,168 SH SOLE 0 0 15,168
CARRIER GLOBAL CORPORATION COM 14448C104 1,183,190 16,166 SH SOLE 0 0 16,166
CENTENE CORP DEL COM 15135B101 736,688 13,572 SH SOLE 0 0 13,572
CHEVRON CORP NEW COM 166764100 1,562,632 10,913 SH SOLE 0 0 10,913
COLGATE PALMOLIVE CO COM 194162103 692,304 7,616 SH SOLE 0 0 7,616
COMCAST CORP NEW CL A 20030N101 1,067,167 29,901 SH SOLE 0 0 29,901
COPART INC COM 217204106 937,875 19,113 SH SOLE 0 0 19,113
CVS HEALTH CORP COM 126650100 1,224,840 17,756 SH SOLE 0 0 17,756
DANAHER CORPORATION COM 235851102 1,394,435 7,059 SH SOLE 0 0 7,059
DAVITA INC COM 23918K108 719,800 5,053 SH SOLE 0 0 5,053
DOMINION ENERGY INC COM 25746U109 791,223 13,999 SH SOLE 0 0 13,999
ECOLAB INC COM 278865100 1,496,739 5,555 SH SOLE 0 0 5,555
EXXON MOBIL CORP COM 30231G102 2,229,585 20,683 SH SOLE 0 0 20,683
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 2,442,518 32,989 SH SOLE 0 0 32,989
FIDELITY COVINGTON TRUST MSCI INDL INDX 316092709 1,657,476 21,379 SH SOLE 0 0 21,379
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 740,880 7,876 SH SOLE 0 0 7,876
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402 955,075 40,728 SH SOLE 0 0 40,728
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 394,194 7,494 SH SOLE 0 0 7,494
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 1,587,793 24,829 SH SOLE 0 0 24,829
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303 791,546 15,475 SH SOLE 0 0 15,475
FIDELITY COVINGTON TRUST MSCI COMMNTN SVC 316092873 1,387,517 21,409 SH SOLE 0 0 21,409
FIFTH THIRD BANCORP COM 316773100 1,356,730 32,986 SH SOLE 0 0 32,986
FIRST TR EXCH TRADED FD III ULTRA SHT DUR MU 33740J104 282,124 14,036 SH SOLE 0 0 14,036
GALLAGHER ARTHUR J & CO COM 363576109 2,135,521 6,671 SH SOLE 0 0 6,671
GARMIN LTD SHS H2906T109 1,143,368 5,478 SH SOLE 0 0 5,478
GE AEROSPACE COM NEW 369604301 2,148,177 8,346 SH SOLE 0 0 8,346
HILTON WORLDWIDE HLDGS INC COM 43300A203 2,274,544 8,540 SH SOLE 0 0 8,540
HOME DEPOT INC COM 437076102 2,470,238 6,738 SH SOLE 0 0 6,738
INCYTE CORP COM 45337C102 891,633 13,093 SH SOLE 0 0 13,093
INTERCONTINENTAL EXCHANGE IN COM 45866F104 1,470,512 8,015 SH SOLE 0 0 8,015
INTUIT COM 461202103 3,664,842 4,653 SH SOLE 0 0 4,653
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 217,562 958 SH SOLE 0 0 958
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101 7,572,534 123,714 SH SOLE 0 0 123,714
ISHARES GOLD TR ISHARES NEW 464285204 26,592,549 426,436 SH SOLE 0 0 426,436
ISHARES TR CORE S&P500 ETF 464287200 704,722 1,135 SH SOLE 0 0 1,135
ISHARES TR CORE 80/20 AGGRE 464289859 2,846,359 34,129 SH SOLE 0 0 34,129
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 5,044,201 195,133 SH SOLE 0 0 195,133
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 13,276,429 261,966 SH SOLE 0 0 261,966
JOHNSON & JOHNSON COM 478160104 2,432,238 15,923 SH SOLE 0 0 15,923
JPMORGAN CHASE & CO. COM 46625H100 3,428,072 11,825 SH SOLE 0 0 11,825
KELLANOVA COM 487836108 637,751 8,019 SH SOLE 0 0 8,019
LAUDER ESTEE COS INC CL A 518439104 788,608 9,760 SH SOLE 0 0 9,760
LEIDOS HOLDINGS INC COM 525327102 859,634 5,449 SH SOLE 0 0 5,449
MASTERCARD INCORPORATED CL A 57636Q104 3,367,771 5,993 SH SOLE 0 0 5,993
MERCK & CO INC COM 58933Y105 1,250,678 15,799 SH SOLE 0 0 15,799
META PLATFORMS INC CL A 30303M102 5,085,694 6,890 SH SOLE 0 0 6,890
MICROSOFT CORP COM 594918104 14,057,708 28,262 SH SOLE 0 0 28,262
NORFOLK SOUTHN CORP COM 655844108 1,414,490 5,526 SH SOLE 0 0 5,526
NVIDIA CORPORATION COM 67066G104 12,589,883 79,688 SH SOLE 0 0 79,688
ORACLE CORP COM 68389X105 2,187,175 10,004 SH SOLE 0 0 10,004
PACKAGING CORP AMER COM 695156109 938,669 4,981 SH SOLE 0 0 4,981
PALANTIR TECHNOLOGIES INC CL A 69608A108 1,158,993 8,502 SH SOLE 0 0 8,502
PALO ALTO NETWORKS INC COM 697435105 1,260,173 6,158 SH SOLE 0 0 6,158
PEPSICO INC COM 713448108 932,181 7,060 SH SOLE 0 0 7,060
PHILIP MORRIS INTL INC COM 718172109 1,410,050 7,742 SH SOLE 0 0 7,742
PROLOGIS INC. COM 74340W103 1,514,674 14,409 SH SOLE 0 0 14,409
PRUDENTIAL FINL INC COM 744320102 1,951,540 18,164 SH SOLE 0 0 18,164
QUANTA SVCS INC COM 74762E102 1,866,959 4,938 SH SOLE 0 0 4,938
REPUBLIC SVCS INC COM 760759100 1,394,826 5,656 SH SOLE 0 0 5,656
ROCKWELL AUTOMATION INC COM 773903109 1,770,798 5,331 SH SOLE 0 0 5,331
SALESFORCE INC COM 79466L302 1,407,626 5,162 SH SOLE 0 0 5,162
SCHWAB CHARLES CORP COM 808513105 1,253,090 13,734 SH SOLE 0 0 13,734
SCHWAB STRATEGIC TR US TIPS ETF 808524870 8,123,497 304,479 SH SOLE 0 0 304,479
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 301,575 13,646 SH SOLE 0 0 13,646
SCHWAB STRATEGIC TR MUN BD ETF 808524649 402,427 15,982 SH SOLE 0 0 15,982
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 1,034,706 7,676 SH SOLE 0 0 7,676
SELECT SECTOR SPDR TR INDL 81369Y704 1,579,497 10,707 SH SOLE 0 0 10,707
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 2,164,295 41,327 SH SOLE 0 0 41,327
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 484,252 5,981 SH SOLE 0 0 5,981
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 576,359 13,915 SH SOLE 0 0 13,915
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 557,819 6,831 SH SOLE 0 0 6,831
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 2,665,028 10,524 SH SOLE 0 0 10,524
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 1,057,093 4,864 SH SOLE 0 0 4,864
SEMPRA COM 816851109 1,430,083 18,874 SH SOLE 0 0 18,874
SPDR SERIES TRUST PORTFOLIO S&P600 78468R853 259,178 6,084 SH SOLE 0 0 6,084
SUN CMNTYS INC COM 866674104 1,039,242 8,216 SH SOLE 0 0 8,216
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109 1,166,894 4,805 SH SOLE 0 0 4,805
TESLA INC COM 88160R101 2,461,230 7,748 SH SOLE 0 0 7,748
TEXAS INSTRS INC COM 882508104 1,488,507 7,169 SH SOLE 0 0 7,169
VALERO ENERGY CORP COM 91913Y100 813,779 6,054 SH SOLE 0 0 6,054
VANECK ETF TRUST LONG MUNI ETF 92189F536 399,372 23,645 SH SOLE 0 0 23,645
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 7,967,509 101,239 SH SOLE 0 0 101,239
VANGUARD BD INDEX FDS INTERMED TERM 921937819 7,552,193 97,649 SH SOLE 0 0 97,649
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 2,680,501 54,141 SH SOLE 0 0 54,141
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,738,444 95,804 SH SOLE 0 0 95,804
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 8,111,319 175,039 SH SOLE 0 0 175,039
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 13,794,710 241,970 SH SOLE 0 0 241,970
WALMART INC COM 931142103 2,652,335 27,126 SH SOLE 0 0 27,126