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
EATON CORP PLC SHS G29183103 1,340,140 3,754 SH SOLE 0 0 3,754
MEDTRONIC PLC SHS G5960L103 949,891 10,897 SH SOLE 0 0 10,897
ABBVIE INC COM 00287Y109 1,137,294 6,127 SH SOLE 0 0 6,127
ETFS GOLD TR PHYSCL GOLD SHS 00326A104 10,755,518 341,012 SH SOLE 0 0 341,012
ALPHABET INC CAP STK CL A 02079K305 953,404 5,410 SH SOLE 0 0 5,410
AMAZON COM INC COM 023135106 363,968 1,659 SH SOLE 0 0 1,659
AMGEN INC COM 031162100 953,781 3,416 SH SOLE 0 0 3,416
APPLE INC COM 037833100 4,910,459 23,934 SH SOLE 0 0 23,934
BRISTOL-MYERS SQUIBB CO COM 110122108 827,758 17,882 SH SOLE 0 0 17,882
BROADCOM INC COM 11135F101 1,543,089 5,598 SH SOLE 0 0 5,598
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101 6,010,143 147,851 SH SOLE 0 0 147,851
CAPITAL GROUP CORE EQUITY ET SHS CREATION UNI 14020V108 453,500 12,280 SH SOLE 0 0 12,280
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106 1,776,339 44,982 SH SOLE 0 0 44,982
CISCO SYS INC COM 17275R102 270,790 3,903 SH SOLE 0 0 3,903
COLGATE PALMOLIVE CO COM 194162103 678,387 7,463 SH SOLE 0 0 7,463
COMCAST CORP NEW CL A 20030N101 822,405 23,043 SH SOLE 0 0 23,043
EXXON MOBIL CORP COM 30231G102 676,337 6,274 SH SOLE 0 0 6,274
META PLATFORMS INC CL A 30303M102 284,165 385 SH SOLE 0 0 385
GENERAL MLS INC COM 370334104 807,562 15,587 SH SOLE 0 0 15,587
GILEAD SCIENCES INC COM 375558103 200,231 1,806 SH SOLE 0 0 1,806
HOME DEPOT INC COM 437076102 1,123,633 3,065 SH SOLE 0 0 3,065
INTERNATIONAL BUSINESS MACHS COM 459200101 1,506,326 5,110 SH SOLE 0 0 5,110
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 337,309 1,856 SH SOLE 0 0 1,856
ISHARES TR SELECT DIVID ETF 464287168 204,129 1,537 SH SOLE 0 0 1,537
ISHARES TR TIPS BD ETF 464287176 4,717,085 42,867 SH SOLE 0 0 42,867
ISHARES TR CORE S&P500 ETF 464287200 12,669,465 20,405 SH SOLE 0 0 20,405
ISHARES TR CORE S&P MCP ETF 464287507 557,994 8,997 SH SOLE 0 0 8,997
ISHARES TR RUS 1000 VAL ETF 464287598 772,841 3,979 SH SOLE 0 0 3,979
ISHARES TR CORE S&P US GWT 464287671 200,483 1,333 SH SOLE 0 0 1,333
ISHARES TR CORE S&P SCP ETF 464287804 237,269 2,171 SH SOLE 0 0 2,171
ISHARES TR CORE 80/20 AGGRE 464289859 636,842 7,636 SH SOLE 0 0 7,636
ISHARES TR CORE 60/40 BALAN 464289867 223,992 3,638 SH SOLE 0 0 3,638
ISHARES TR HDG MSCI EAFE 46434V803 1,413,706 37,242 SH SOLE 0 0 37,242
ISHARES TR TRS FLT RT BD 46434V860 1,978,592 39,064 SH SOLE 0 0 39,064
KROGER CO COM 501044101 1,299,891 18,122 SH SOLE 0 0 18,122
LAM RESEARCH CORP COM NEW 512807306 816,099 8,384 SH SOLE 0 0 8,384
LENNAR CORP CL A 526057104 464,894 4,203 SH SOLE 0 0 4,203
LOCKHEED MARTIN CORP COM 539830109 919,796 1,986 SH SOLE 0 0 1,986
LOWES COS INC COM 548661107 949,604 4,280 SH SOLE 0 0 4,280
MCDONALDS CORP COM 580135101 1,003,604 3,435 SH SOLE 0 0 3,435
MERCK & CO INC COM 58933Y105 759,857 9,599 SH SOLE 0 0 9,599
MICROSOFT CORP COM 594918104 931,649 1,873 SH SOLE 0 0 1,873
NETAPP INC COM 64110D104 1,047,813 9,834 SH SOLE 0 0 9,834
NVIDIA CORPORATION COM 67066G104 529,304 3,350 SH SOLE 0 0 3,350
PROCTER AND GAMBLE CO COM 742718109 1,030,800 6,470 SH SOLE 0 0 6,470
PROSHARES TR S&P 500 DV ARIST 74348A467 2,569,965 25,521 SH SOLE 0 0 25,521
QUALCOMM INC COM 747525103 972,757 6,108 SH SOLE 0 0 6,108
SPDR S&P 500 ETF TR TR UNIT 78462F103 9,446,927 15,290 SH SOLE 0 0 15,290
SPDR GOLD TR GOLD SHS 78463V107 258,191 847 SH SOLE 0 0 847
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 207,893 2,860 SH SOLE 0 0 2,860
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 517,196 913 SH SOLE 0 0 913
SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663 4,173,715 45,500 SH SOLE 0 0 45,500
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 4,865,946 166,585 SH SOLE 0 0 166,585
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 6,593,930 248,828 SH SOLE 0 0 248,828
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 442,267 2,035 SH SOLE 0 0 2,035
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 903,801 17,258 SH SOLE 0 0 17,258
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,160,806 4,584 SH SOLE 0 0 4,584
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 470,478 4,335 SH SOLE 0 0 4,335
STARBUCKS CORP COM 855244109 895,042 9,768 SH SOLE 0 0 9,768
TESLA INC COM 88160R101 363,721 1,145 SH SOLE 0 0 1,145
TWIST BIOSCIENCE CORP COM 90184D100 204,185 5,550 SH SOLE 0 0 5,550
VANGUARD STAR FDS VG TL INTL STK F 921909768 8,071,370 116,824 SH SOLE 0 0 116,824
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 271,695 3,690 SH SOLE 0 0 3,690
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 210,344 847 SH SOLE 0 0 847
VANGUARD INSTL INDEX FD 0-3 MO TREAS BIL 922040845 6,999,405 92,646 SH SOLE 0 0 92,646
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 3,623,787 61,650 SH SOLE 0 0 61,650
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 252,773 445 SH SOLE 0 0 445
VANGUARD INDEX FDS MID CAP ETF 922908629 226,942 811 SH SOLE 0 0 811
VANGUARD INDEX FDS VALUE ETF 922908744 2,959,335 16,744 SH SOLE 0 0 16,744
VANGUARD INDEX FDS TOTAL STK MKT 922908769 22,683,816 74,635 SH SOLE 0 0 74,635
VISA INC COM CL A 92826C839 1,412,034 3,977 SH SOLE 0 0 3,977
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 7,032,684 139,787 SH SOLE 0 0 139,787