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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803 939,737 3,711 SH SOLE 0 0 0 3,711
JOHNSON & JOHNSON COM Stock 478160104 1,992,837 13,046 SH SOLE 0 0 0 13,046
WASTE MGMT INC DEL COM Stock 94106L109 1,453,693 6,353 SH SOLE 0 0 0 6,353
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769 595,703 1,960 SH SOLE 0 0 0 1,960
GOLDMAN SACHS GROUP INC COM Stock 38141G104 2,932,916 4,144 SH SOLE 0 0 0 4,144
PROCTER AND GAMBLE CO COM Stock 742718109 307,938 1,932 SH SOLE 0 0 0 1,932
FIRST TRUST MORNINGSTAR DIVIDEND LEADERS INDEX FUND ETF 336917109 242,846 5,800 SH SOLE 0 0 0 5,800
OCCIDENTAL PETE CORP COM Stock 674599105 2,494,344 59,375 SH SOLE 0 0 0 59,375
AVALONBAY CMNTYS INC COM REIT 053484101 1,211,436 5,953 SH SOLE 0 0 0 5,953
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 319,318 2,369 SH SOLE 0 0 0 2,369
SPDR GOLD SHARES ETF 78463V107 10,752,573 35,274 SH SOLE 0 0 0 35,274
BRITISH AMERN TOB PLC SPONSORED ADR ADR 110448107 1,165,217 24,619 SH SOLE 0 0 0 24,619
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 620,537 28,079 SH SOLE 0 0 0 28,078
ISHARES CORE S&P SMALL CAP ETF ETF 464287804 325,028 2,974 SH SOLE 0 0 0 2,974
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 15,974,061 32,884 SH SOLE 0 0 0 32,884
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 283,165 9,395 SH SOLE 0 0 0 9,395
MICROSOFT CORP COM Stock 594918104 4,525,436 9,098 SH SOLE 0 0 0 9,098
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND ETF 81369Y852 271,434 2,501 SH SOLE 0 0 0 2,501
ST JOE CO COM Stock 790148100 1,008,855 21,150 SH SOLE 0 0 0 21,150
BERKSHIRE HATHAWAY INC DEL CL A Stock 084670108 5,101,600 7 SH SOLE 0 0 0 7
BOEING CO COM Stock 097023105 2,275,705 10,861 SH SOLE 0 0 0 10,861
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 388,795 7,424 SH SOLE 0 0 0 7,424
ALERIAN MLP ETF ETF 00162Q452 3,209,244 65,682 SH SOLE 0 0 0 65,682
VANGUARD MORTGAGE-BACKED SECURITIES ETF ETF 92206C771 10,676,180 230,388 SH SOLE 0 0 0 230,388
PROSHARES SHORT S&P500 ETF 74349Y753 3,991,292 100,587 SH SOLE 0 0 0 100,587
SCHWAB US AGGREGATE BOND ETF ETF 808524839 1,548,481 66,630 SH SOLE 0 0 0 66,630
VISA INC COM CL A Stock 92826C839 4,306,046 12,128 SH SOLE 0 0 0 12,128
ISHARES MSCI INDIA ETF ETF 46429B598 1,314,828 23,614 SH SOLE 0 0 0 23,614
CANADIAN PACIFIC KANSAS CITY COM Stock 13646K108 4,615,099 58,220 SH SOLE 0 0 0 58,220
MOODYS CORP COM Stock 615369105 4,593,060 9,157 SH SOLE 0 0 0 9,157
PROSHARES SHORT QQQ ETF 74349Y837 2,604,947 77,390 SH SOLE 0 0 0 77,390
NVIDIA CORPORATION COM Stock 67066G104 236,515 1,497 SH SOLE 0 0 0 1,497
ABBVIE INC COM Stock 00287Y109 2,643,043 14,239 SH SOLE 0 0 0 14,239
S&P GLOBAL INC COM Stock 78409V104 4,657,553 8,833 SH SOLE 0 0 0 8,833
FERROVIAL SE ORD SHS Stock N3168P101 1,055,436 19,702 SH SOLE 0 0 0 19,702
QUALCOMM INC COM Stock 747525103 1,081,057 6,788 SH SOLE 0 0 0 6,788
VANGUARD INTERMEDIATE-TERM BOND ETF ETF 921937819 3,058,488 39,546 SH SOLE 0 0 0 39,546
GE AEROSPACE COM NEW Stock 369604301 4,493,000 17,456 SH SOLE 0 0 0 17,456
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407 262,969 1,210 SH SOLE 0 0 0 1,210
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704 261,700 1,774 SH SOLE 0 0 0 1,774
WELLS FARGO CO NEW COM Stock 949746101 1,225,435 15,295 SH SOLE 0 0 0 15,295
REPUBLIC SVCS INC COM Stock 760759100 1,486,072 6,026 SH SOLE 0 0 0 6,026
THERMO FISHER SCIENTIFIC INC COM Stock 883556102 1,699,283 4,191 SH SOLE 0 0 0 4,191
JPMORGAN CHASE & CO. COM Stock 46625H100 405,294 1,398 SH SOLE 0 0 0 1,398
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 1,353,645 23,744 SH SOLE 0 0 0 23,744
DANAHER CORPORATION COM Stock 235851102 802,803 4,064 SH SOLE 0 0 0 4,064
WALMART INC COM Stock 931142103 3,016,018 30,844 SH SOLE 0 0 0 30,844
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 1,629,756 32,951 SH SOLE 0 0 0 32,951
ALPHABET INC CAP STK CL C Stock 02079K107 4,825,895 27,205 SH SOLE 0 0 0 27,205
CANADIAN NATL RY CO COM Stock 136375102 5,285,544 50,803 SH SOLE 0 0 0 50,803
VANGUARD SHORT-TERM BOND ETF ETF 921937827 4,411,371 56,053 SH SOLE 0 0 0 56,053
UNITEDHEALTH GROUP INC COM Stock 91324P102 1,308,090 4,193 SH SOLE 0 0 0 4,193
NOVO-NORDISK A S ADR ADR 670100205 955,513 13,844 SH SOLE 0 0 0 13,844
CAMECO CORP COM Stock 13321L108 3,319,046 44,713 SH SOLE 0 0 0 44,713
APPLE INC COM Stock 037833100 2,528,720 12,325 SH SOLE 0 0 0 12,325
SPDR BLOOMBERG 1-3 MONTH T-BILL ETF ETF 78468R663 6,984,689 76,144 SH SOLE 0 0 0 76,144