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
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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
SPDR GOLD Common Stock 78463V107 203,321 667 SH SOLE 0 0 667
FIRST TRUST MF Closed and MF Open 33734X846 204,213 2,702 SH SOLE 0 0 2,702
VISA INC Common Stock 92826C839 211,896 597 SH SOLE 0 0 597
JPMORGAN CHASE Common Stock 46625H100 215,268 743 SH SOLE 0 0 743
ISHARES SILVER Common Stock 46428Q109 218,284 6,653 SH SOLE 0 0 6,653
ISHARES S&P MF Closed and MF Open 464287408 223,756 1,145 SH SOLE 0 0 1,145
WISDOMTREE EQUITY MF Closed and MF Open 97717X560 244,171 7,621 SH SOLE 0 0 7,621
PENNANTPARK FLOATING MF Closed and MF Open 70806A106 258,367 25,011 SH SOLE 0 0 25,011
ISHARES TR CORE S&P500 ETF 464287200 258,967 417 SH SOLE 0 0 417
ISHARES INTL MF Closed and MF Open 46435G524 264,913 3,358 SH SOLE 0 0 3,358
MCDONALDS CORP Common Stock 580135101 271,134 928 SH SOLE 0 0 928
PIMCO ACTIVE MF Closed and MF Open 72201R775 284,836 3,090 SH SOLE 0 0 3,090
FEDEX CORP Common Stock 31428X106 287,547 1,265 SH SOLE 0 0 1,265
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 292,029 514 SH SOLE 0 0 514
FIDELITY TOTAL MF Closed and MF Open 316188309 297,375 6,500 SH SOLE 0 0 6,500
ISHARES CURRENCY MF Closed and MF Open 46434V803 297,843 7,846 SH SOLE 0 0 7,846
SCHWAB FUNDAMENTAL MF Closed and MF Open 808524755 297,948 7,445 SH SOLE 0 0 7,445
ISHARES AEROSPACE MF Closed and MF Open 464288760 302,956 1,606 SH SOLE 0 0 1,606
MARSH & MCLENNAN Common Stock 571748102 311,788 1,426 SH SOLE 0 0 1,426
ALPHABET INC Common Stock 02079K305 316,345 1,795 SH SOLE 0 0 1,795
ISHARES CORE MF Closed and MF Open 464287804 318,143 2,911 SH SOLE 0 0 2,911
VANGUARD SMALL MF Closed and MF Open 922908751 327,022 1,380 SH SOLE 0 0 1,380
SPDR DEVELOPED MF Closed and MF Open 78463X889 339,057 8,374 SH SOLE 0 0 8,374
FIRST TRUST MF Closed and MF Open 33738R118 352,656 3,911 SH SOLE 0 0 3,911
SPDR S&P MF Closed and MF Open 78462F103 356,453 577 SH SOLE 0 0 577
ISHARES CORE MF Closed and MF Open 464287507 364,507 5,877 SH SOLE 0 0 5,877
TESLA INC Common Stock 88160R101 366,581 1,154 SH SOLE 0 0 1,154
TECHNOLOGY SELECT MF Closed and MF Open 81369Y803 367,463 1,451 SH SOLE 0 0 1,451
ISHARES AAA MF Closed and MF Open 46429B291 393,197 8,219 SH SOLE 0 0 8,219
VANGUARD FTSE MF Closed and MF Open 921943858 396,619 6,957 SH SOLE 0 0 6,957
JOHNSON & JOHNSON Common Stock 478160104 406,540 2,661 SH SOLE 0 0 2,661
FIRST TRUST MF Closed and MF Open 33734H106 412,761 9,234 SH SOLE 0 0 9,234
AUTOMATIC DATA Common Stock 053015103 413,873 1,342 SH SOLE 0 0 1,342
ISHARES CONV MF Closed and MF Open 46435G102 421,199 4,675 SH SOLE 0 0 4,675
ISHARES CORE MF Closed and MF Open 46435G672 422,517 8,270 SH SOLE 0 0 8,270
BERKSHIRE HATHAWAY Common Stock 084670702 426,507 878 SH SOLE 0 0 878
SPDR PORTFOLIO MF Closed and MF Open 78464A805 443,751 5,925 SH SOLE 0 0 5,925
WALT DISNEY Common Stock 254687106 454,140 3,662 SH SOLE 0 0 3,662
DARDEN RESTAURANTS Common Stock 237194105 463,186 2,125 SH SOLE 0 0 2,125
FIRST TRUST MF Closed and MF Open 33733E104 464,334 5,109 SH SOLE 0 0 5,109
ISHARES BROAD MF Closed and MF Open 464288620 503,791 9,794 SH SOLE 0 0 9,794
VANGUARD SHORT MF Closed and MF Open 92206C102 540,596 9,197 SH SOLE 0 0 9,197
CHECK POINT Common Stock M22465104 542,063 2,450 SH SOLE 0 0 2,450
UNITEDHEALTH GROUP Common Stock 91324P102 547,068 1,754 SH SOLE 0 0 1,754
QUALCOMM INC Common Stock 747525103 555,586 3,489 SH SOLE 0 0 3,489
ISHARES MBS MF Closed and MF Open 464288588 560,813 5,973 SH SOLE 0 0 5,973
FIRST TRUST MF Closed and MF Open 33738R506 595,088 9,485 SH SOLE 0 0 9,485
ISHARES SHORT MF Closed and MF Open 464288158 648,314 6,097 SH SOLE 0 0 6,097
VANGUARD EXTENDED MF Closed and MF Open 922908652 651,359 3,380 SH SOLE 0 0 3,380
VANGUARD MEGA MF Closed and MF Open 921910816 710,371 1,940 SH SOLE 0 0 1,940
ALPHABET INC Common Stock 02079K107 726,001 4,093 SH SOLE 0 0 4,093
VANGUARD MEGA MF Closed and MF Open 921910840 728,159 5,550 SH SOLE 0 0 5,550
ISHARES RUSSELL MF Closed and MF Open 464287622 744,971 2,194 SH SOLE 0 0 2,194
XTRACKERS MSCI MF Closed and MF Open 233051200 784,984 17,942 SH SOLE 0 0 17,942
MICROSOFT CORP Common Stock 594918104 885,582 1,780 SH SOLE 0 0 1,780
ELI LILLY Common Stock 532457108 963,946 1,237 SH SOLE 0 0 1,237
META PLATFORMS Common Stock 30303M102 1,026,710 1,391 SH SOLE 0 0 1,391
APPLE INC Common Stock 037833100 1,027,839 5,010 SH SOLE 0 0 5,010
ISHARES S&P MF Closed and MF Open 464287309 1,182,951 10,744 SH SOLE 0 0 10,744
ISHARES NATIONAL MF Closed and MF Open 464288414 1,189,377 11,384 SH SOLE 0 0 11,384
VANGUARD TOTAL MF Closed and MF Open 921937835 1,393,302 18,923 SH SOLE 0 0 18,923
VANGUARD VALUE MF Closed and MF Open 922908744 1,483,114 8,392 SH SOLE 0 0 8,392
ISHARES CORE MF Closed and MF Open 464287663 1,667,947 17,626 SH SOLE 0 0 17,626
NVIDIA CORP Common Stock 67066G104 2,445,762 15,480 SH SOLE 0 0 15,480
NORTHERN LTS FD TR IV MAIN SECTR ROTN 66538H591 2,563,094 44,138 SH SOLE 0 0 44,138
ISHARES MSCI MF Closed and MF Open 464288885 2,574,820 22,990 SH SOLE 0 0 22,990
ISHARES CORE MF Closed and MF Open 46432F842 2,634,080 31,554 SH SOLE 0 0 31,554
AMAZON COM Common Stock 023135106 2,761,023 12,585 SH SOLE 0 0 12,585
SPDR PORTFOLIO MF Closed and MF Open 78468R853 2,840,314 66,674 SH SOLE 0 0 66,674
VANGUARD TOTAL MF Closed and MF Open 922908769 3,380,434 11,122 SH SOLE 0 0 11,122
SPDR PORTFOLIO MF Closed and MF Open 78464A854 3,755,100 51,659 SH SOLE 0 0 51,659
ISHARES CORE MF Closed and MF Open 46434G103 3,809,367 63,458 SH SOLE 0 0 63,458
ISHARES S&P MF Closed and MF Open 464287101 3,819,766 12,551 SH SOLE 0 0 12,551
SPDR PORTFOLIO MF Closed and MF Open 78468R101 4,533,867 154,792 SH SOLE 0 0 154,792
ISHARES MSCI MF Closed and MF Open 464288877 5,535,717 87,204 SH SOLE 0 0 87,204
SPDR PORTFOLIO MF Closed and MF Open 78464A508 6,534,494 124,847 SH SOLE 0 0 124,847
SPDR INTERMEDIATE MF Closed and MF Open 78464A672 8,501,201 295,489 SH SOLE 0 0 295,489
SPDR PORTFOLIO MF Closed and MF Open 78464A409 9,612,079 100,840 SH SOLE 0 0 100,840
ISHARES CORE MF Closed and MF Open 464287200 11,636,580 18,741 SH SOLE 0 0 18,741
SCHWAB US MF Closed and MF Open 808524797 14,152,627 534,058 SH SOLE 0 0 534,058
VANGUARD GROWTH MF Closed and MF Open 922908736 19,336,903 44,108 SH SOLE 0 0 44,108
VANGUARD S&P MF Closed and MF Open 922908363 22,615,377 39,814 SH SOLE 0 0 39,814