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
3M CO COM 88579Y101 405,263 2,662 SH SOLE 0 0 2,662
ABBVIE INC COM 00287Y109 425,813 2,294 SH SOLE 0 0 2,294
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108 3,114,381 90,508 SH SOLE 0 0 90,508
ADVANCED MICRO DEVICES INC COM 007903107 264,360 1,863 SH SOLE 0 0 1,863
AFLAC INC COM 001055102 926,572 8,786 SH SOLE 0 0 8,786
AIR PRODS & CHEMS INC COM 009158106 391,500 1,388 SH SOLE 0 0 1,388
ALBEMARLE CORP COM 012653101 253,250 4,041 SH SOLE 0 0 4,041
ALLSTATE CORP COM 020002101 310,622 1,543 SH SOLE 0 0 1,543
ALPHABET INC CAP STK CL A 02079K305 760,785 4,317 SH SOLE 0 0 4,317
ALTRIA GROUP INC COM 02209S103 388,483 6,626 SH SOLE 0 0 6,626
AMERICAN TOWER CORP NEW COM 03027X100 242,238 1,096 SH SOLE 0 0 1,096
AMGEN INC COM 031162100 306,294 1,097 SH SOLE 0 0 1,097
APPLE INC COM 037833100 769,388 3,750 SH SOLE 0 0 3,750
APPLIED MATLS INC COM 038222105 571,728 3,123 SH SOLE 0 0 3,123
ARCHER DANIELS MIDLAND CO COM 039483102 368,669 6,985 SH SOLE 0 0 6,985
ASML HOLDING N V N Y REGISTRY SHS N07059210 359,825 449 SH SOLE 0 0 449
ATKORE INC COM 047649108 285,799 4,051 SH SOLE 0 0 4,051
BECTON DICKINSON & CO COM 075887109 296,270 1,720 SH SOLE 0 0 1,720
BERKSHIRE HATHAWAY INC DEL CL A 084670108 728,800 1 SH SOLE 0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 388,616 800 SH SOLE 0 0 800
BLOCK H & R INC COM 093671105 352,833 6,428 SH SOLE 0 0 6,428
BROADCOM INC COM 11135F101 989,033 3,588 SH SOLE 0 0 3,588
CATERPILLAR INC COM 149123101 569,893 1,468 SH SOLE 0 0 1,468
CHEVRON CORP NEW COM 166764100 633,616 4,425 SH SOLE 0 0 4,425
CISCO SYS INC COM 17275R102 429,046 6,184 SH SOLE 0 0 6,184
COCA COLA CO COM 191216100 241,541 3,414 SH SOLE 0 0 3,414
COMERICA INC COM 200340107 325,868 5,463 SH SOLE 0 0 5,463
COSTCO WHSL CORP NEW COM 22160K105 281,143 284 SH SOLE 0 0 284
CUMMINS INC COM 231021106 701,505 2,142 SH SOLE 0 0 2,142
DEERE & CO COM 244199105 533,407 1,049 SH SOLE 0 0 1,049
DISNEY WALT CO COM 254687106 280,759 2,264 SH SOLE 0 0 2,264
FIRST SOLAR INC COM 336433107 649,248 3,922 SH SOLE 0 0 3,922
FLOOR & DECOR HLDGS INC CL A 339750101 291,459 3,837 SH SOLE 0 0 3,837
FORD MTR CO COM 345370860 156,067 14,384 SH SOLE 0 0 14,384
GENERAL DYNAMICS CORP COM 369550108 218,454 749 SH SOLE 0 0 749
GENUINE PARTS CO COM 372460105 299,151 2,466 SH SOLE 0 0 2,466
GILEAD SCIENCES INC COM 375558103 844,276 7,615 SH SOLE 0 0 7,615
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 1,143,113 11,414 SH SOLE 0 0 11,414
HERSHEY CO COM 427866108 583,647 3,517 SH SOLE 0 0 3,517
HEWLETT PACKARD ENTERPRISE C COM 42824C109 385,626 18,857 SH SOLE 0 0 18,857
INTEL CORP COM 458140100 200,548 8,953 SH SOLE 0 0 8,953
INTERNATIONAL BUSINESS MACHS COM 459200101 313,646 1,064 SH SOLE 0 0 1,064
IRADIMED CORP COM 46266A109 260,087 4,350 SH SOLE 0 0 4,350
ISHARES TR CORE DIV GRWTH 46434V621 28,003,163 437,960 SH SOLE 0 0 437,960
ISHARES TR CORE US AGGBD ET 464287226 8,559,671 86,287 SH SOLE 0 0 86,287
ISHARES TR EXPANDED TECH 464287515 5,981,109 54,622 SH SOLE 0 0 54,622
ISHARES TR MSCI INTL QUALTY 46434V456 36,514,590 844,854 SH SOLE 0 0 844,854
ISHARES TR US INFRASTRUC 46435U713 3,204,139 65,138 SH SOLE 0 0 65,138
JPMORGAN CHASE & CO. COM 46625H100 693,755 2,393 SH SOLE 0 0 2,393
KIMBERLY-CLARK CORP COM 494368103 242,370 1,880 SH SOLE 0 0 1,880
LAM RESEARCH CORP COM NEW 512807306 769,376 7,904 SH SOLE 0 0 7,904
LINDE PLC SHS G54950103 515,160 1,098 SH SOLE 0 0 1,098
LOCKHEED MARTIN CORP COM 539830109 616,903 1,332 SH SOLE 0 0 1,332
LOWES COS INC COM 548661107 488,780 2,203 SH SOLE 0 0 2,203
MERCK & CO INC COM 58933Y105 343,317 4,337 SH SOLE 0 0 4,337
META PLATFORMS INC CL A 30303M102 397,831 539 SH SOLE 0 0 539
MICROSOFT CORP COM 594918104 1,739,674 3,497 SH SOLE 0 0 3,497
MORGAN STANLEY COM NEW 617446448 359,053 2,549 SH SOLE 0 0 2,549
NATIONAL FUEL GAS CO COM 636180101 312,665 3,691 SH SOLE 0 0 3,691
NAVITAS SEMICONDUCTOR CORP COM 63942X106 72,778 11,111 SH SOLE 0 0 11,111
NUTRIEN LTD COM 67077M108 331,270 5,688 SH SOLE 0 0 5,688
NVIDIA CORPORATION COM 67066G104 462,437 2,927 SH SOLE 0 0 2,927
ORACLE CORP COM 68389X105 336,035 1,537 SH SOLE 0 0 1,537
PALANTIR TECHNOLOGIES INC CL A 69608A108 415,776 3,050 SH SOLE 0 0 3,050
PHILLIPS 66 COM 718546104 237,885 1,994 SH SOLE 0 0 1,994
QUALCOMM INC COM 747525103 362,476 2,276 SH SOLE 0 0 2,276
RBB FD INC US TREAS 3 MNTH 74933W452 1,131,988 22,642 SH SOLE 0 0 22,642
REPUBLIC SVCS INC COM 760759100 347,474 1,409 SH SOLE 0 0 1,409
SALESFORCE INC COM 79466L302 563,651 2,067 SH SOLE 0 0 2,067
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 25,282,670 954,063 SH SOLE 0 0 954,063
SCHWAB STRATEGIC TR US TIPS ETF 808524870 9,850,790 369,220 SH SOLE 0 0 369,220
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1,697,304 20,785 SH SOLE 0 0 20,785
SNAP ON INC COM 833034101 304,335 978 SH SOLE 0 0 978
SPDR SERIES TRUST S&P METALS MNG 78464A755 3,212,444 47,790 SH SOLE 0 0 47,790
SPROUTS FMRS MKT INC COM 85208M102 1,109,674 6,740 SH SOLE 0 0 6,740
TARGET CORP COM 87612E106 369,247 3,743 SH SOLE 0 0 3,743
TESLA INC COM 88160R101 1,213,779 3,821 SH SOLE 0 0 3,821
T-MOBILE US INC COM 872590104 522,743 2,194 SH SOLE 0 0 2,194
UNITED PARCEL SERVICE INC CL B 911312106 502,177 4,975 SH SOLE 0 0 4,975
VALERO ENERGY CORP COM 91913Y100 739,098 5,498 SH SOLE 0 0 5,498
VANECK ETF TRUST PREFERRED SECURT 92189F429 4,937,871 288,427 SH SOLE 0 0 288,427
VANGUARD BD INDEX FDS INTERMED TERM 921937819 16,990,342 219,684 SH SOLE 0 0 219,684
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 416,482 5,656 SH SOLE 0 0 5,656
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 12,167,861 245,766 SH SOLE 0 0 245,766
VANGUARD INDEX FDS GROWTH ETF 922908736 1,969,855 4,495 SH SOLE 0 0 4,495
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 373,077 1,311 SH SOLE 0 0 1,311
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 237,298 1,442 SH SOLE 0 0 1,442
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 6,976,808 78,354 SH SOLE 0 0 78,354
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 708,735 1,248 SH SOLE 0 0 1,248
VANGUARD INDEX FDS SM CP VAL ETF 922908611 22,976,970 117,826 SH SOLE 0 0 117,826
VANGUARD INDEX FDS SMALL CP ETF 922908751 267,299 1,130 SH SOLE 0 0 1,130
VANGUARD INDEX FDS VALUE ETF 922908744 880,004 4,979 SH SOLE 0 0 4,979
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 17,558,649 355,006 SH SOLE 0 0 355,006
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,657,088 12,894 SH SOLE 0 0 12,894
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 511,432 10,431 SH SOLE 0 0 10,431
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 8,480,063 102,268 SH SOLE 0 0 102,268
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 1,650,733 6,052 SH SOLE 0 0 6,052
VANGUARD STAR FDS VG TL INTL STK F 921909768 481,002 6,963 SH SOLE 0 0 6,963
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 4,127,585 72,399 SH SOLE 0 0 72,399
VANGUARD WORLD FD ENERGY ETF 92204A306 3,044,884 25,559 SH SOLE 0 0 25,559
VANGUARD WORLD FD FINANCIALS ETF 92204A405 4,297,470 33,759 SH SOLE 0 0 33,759
VANGUARD WORLD FD MATERIALS ETF 92204A801 3,208,202 16,467 SH SOLE 0 0 16,467
VANGUARD WORLD FD UTILITIES ETF 92204A876 396,994 2,249 SH SOLE 0 0 2,249
VERIZON COMMUNICATIONS INC COM 92343V104 230,413 5,325 SH SOLE 0 0 5,325
WASTE MGMT INC DEL COM 94106L109 359,019 1,569 SH SOLE 0 0 1,569
YELP INC CL A 985817105 239,993 7,003 SH SOLE 0 0 7,003