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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OMB Number: 3235-0006
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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
TESLA INC COM COM 88160R101 218 708 SH SOLE TSLA 0 0 708
BROADCOM INC COM COM 11135F101 239 803 SH SOLE AVGO 0 0 803
SCHWAB FUNDAMENTAL INTERNATIONAL EQUITY COM 808524755 247 6,133 SH SOLE FNDF 0 0 6,133
VANGUARD CONSUMER STAPLES COM 92204A207 249 1,144 SH SOLE VDC 0 0 1,144
INVESCO S AND P ULTRA DIVIDEND REVENUE COM 46138G656 250 5,169 SH SOLE RDIV 0 0 5,169
VANGUARD REAL ESTATE COM 922908553 253 2,827 SH SOLE VNQ 0 0 2,827
EXXON MOBIL CORP COM COM 30231G102 261 2,432 SH SOLE XOM 0 0 2,432
INVESCO S AND P SMALLCAP HIGH DIVIDEND LOW VOLATILITY COM 46138E131 265 20,250 SH SOLE XSHD 0 0 20,250
MICROSOFT CORP COM COM 594918104 343 641 SH SOLE MSFT 0 0 641
WALMART INC COM COM 931142103 359 3,612 SH SOLE WMT 0 0 3,612
SOUTHERN CO COM COM 842587107 362 3,775 SH SOLE SO 0 0 3,775
VANGUARD DIVIDEND APPRECIATION COM 921908844 378 1,828 SH SOLE VIG 0 0 1,828
VANGUARD S AND P 500 GROWTH COM 921932505 404 985 SH SOLE VOOG 0 0 985
SPDR GOLD SHARES COM 78463V107 435 1,400 SH SOLE GLD 0 0 1,400
VANGUARD FINANCIALS COM 92204A405 457 3,609 SH SOLE VFH 0 0 3,609
SPDR PORTFOLIO S AND P 600 SMALL CAP COM 78468R853 498 11,601 SH SOLE SPSM 0 0 11,601
SPDR S AND P 500 TRUST COM 78462F103 526 833 SH SOLE SPY 0 0 833
ABBVIE INC COM COM 00287Y109 528 2,681 SH SOLE ABBV 0 0 2,681
COSTCO WHSL CORP NEW COM COM 22160K105 538 564 SH SOLE COST 0 0 564
ENBRIDGE INC COM COM 29250N105 623 13,374 SH SOLE ENB 0 0 13,374
INTERNATIONAL BUSINESS MACHS COM COM 459200101 649 2,577 SH SOLE IBM 0 0 2,577
ISHARES RUSSELL 2000 COM 464287655 683 3,110 SH SOLE IWM 0 0 3,110
AMAZON COM INC COM COM 023135106 708 3,347 SH SOLE AMZN 0 0 3,347
VANGUARD TOTAL WORLD STOCK COM 922042742 742 5,706 SH SOLE VT 0 0 5,706
VANGUARD GROWTH COM 922908736 773 1,705 SH SOLE VUG 0 0 1,705
PHILIP MORRIS INTL INC COM COM 718172109 888 5,453 SH SOLE PM 0 0 5,453
VANGUARD HEALTH CARE COM 92204A504 908 3,695 SH SOLE VHT 0 0 3,695
FIDELITY MSCI UTILITIES INDEX COM 316092865 935 16,634 SH SOLE FUTY 0 0 16,634
ISHARES CORE S AND P 500 COM 464287200 1,243 1,961 SH SOLE IVV 0 0 1,961
VANGUARD MID-CAP VALUE COM 922908512 1,244 7,426 SH SOLE VOE 0 0 7,426
ABRDN PHYSICAL GOLD SHARES COM 00326A104 1,252 38,901 SH SOLE SGOL 0 0 38,901
ISHARES INTERNATIONAL SELECT DIVIDEND COM 464288448 1,318 37,345 SH SOLE IDV 0 0 37,345
VANGUARD S AND P 500 COM 922908363 1,360 2,345 SH SOLE VOO 0 0 2,345
VANGUARD SHORT-TERM CORPORATE BOND COM 92206C409 1,445 18,190 SH SOLE VCSH 0 0 18,190
ISHARES CORE DIVIDEND GROWTH COM 46434V621 1,481 22,855 SH SOLE DGRO 0 0 22,855
VANGUARD ENERGY COM 92204A306 1,646 13,724 SH SOLE VDE 0 0 13,724
INVESCO QQQ TRUST SERIES I COM 46090E103 1,653 2,932 SH SOLE QQQ 0 0 2,932
VANGUARD HIGH DIVIDEND YIELD INDEX COM 921946406 2,366 17,598 SH SOLE VYM 0 0 17,598
SCHWAB SHORT-TERM US TREASURY COM 808524862 2,663 109,528 SH SOLE SCHO 0 0 109,528
VANGUARD TOTAL STOCK MARKET COM 922908769 4,493 14,469 SH SOLE VTI 0 0 14,469
VANGUARD SMALL CAP VALUE COM 922908611 5,414 27,324 SH SOLE VBR 0 0 27,324
VANGUARD SMALL-CAP COM 922908751 7,900 32,742 SH SOLE VB 0 0 32,742
SPDR PORTFOLIO S AND P 500 HIGH DIVIDEND COM 78468R788 8,357 195,143 SH SOLE SPYD 0 0 195,143
PIMCO ENHANCED SHORT MATURITY ACTIVE EXCHANGE-TRADED FUND COM 72201R833 9,285 92,583 SH SOLE MINT 0 0 92,583
VANGUARD SHORT-TERM TREASURY COM 92206C102 10,032 171,084 SH SOLE VGSH 0 0 171,084
SPDR PORTFOLIO S AND P 500 GROWTH COM 78464A409 11,118 112,762 SH SOLE SPYG 0 0 112,762
TECHNOLOGY SELECT SECTOR SPDR FUND COM 81369Y803 12,815 48,858 SH SOLE XLK 0 0 48,858
ISHARES CORE TOTAL USD BOND MARKET COM 46434V613 13,303 287,827 SH SOLE IUSB 0 0 287,827
SCHWAB U.S. LARGE-CAP GROWTH COM 808524300 13,435 446,208 SH SOLE SCHG 0 0 446,208
ISHARES RUSSELL 2000 VALUE COM 464287630 15,336 95,946 SH SOLE IWN 0 0 95,946
VANGUARD VALUE COM 922908744 18,349 103,564 SH SOLE VTV 0 0 103,564
SCHWAB US DIVIDEND EQUITY COM 808524797 19,445 730,748 SH SOLE SCHD 0 0 730,748
VANGUARD RUSSELL 1000 GROWTH COM 92206C680 22,544 198,911 SH SOLE VONG 0 0 198,911