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
ISHARES SILVER TRUST ETF 46428Q109 346,628 5,087 SH SOLE 0 0 5,087
ISHARES 1-3 YEAR INTERNATIONAL TREASURY BOND ETF ETF 464288125 24,690,505 332,827 SH SOLE 167,320 0 165,507
AMPLIFY ENERGY CORP NEW COM Stock 03212B103 1,703,732 273,034 SH SOLE 45,541 0 227,493
PACER US CASH COWS 100 ETF ETF 69374H881 17,954,220 286,992 SH SOLE 142,270 0 144,722
VERIZON COMMUNICATIONS INC Stock 92343V104 6,435,791 128,203 SH SOLE 60,028 0 68,175
BP PLC ADR ADR 055622104 3,441,651 73,227 SH SOLE 12,108 0 61,118
HOME DEPOT INC COM Stock 437076102 279,557 850 SH SOLE 210 0 640
PACER US SMALL CAP CASH COWS ETF ETF 69374H857 3,310,823 73,787 SH SOLE 10,365 0 63,422
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 239,020 9,322 SH SOLE 9,322 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804 21,670,364 200,446 SH SOLE 119,264 0 81,181
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 3,208,244 6,695 SH SOLE 1,216 0 5,479
MICROSOFT CORP COM Stock 594918104 263,341 711 SH SOLE 14 0 697
WARNER BROS DISCOVERY INC COM SER A Stock 934423104 30,825 12,409 SH SOLE 12,209 0 200
CVS HEALTH CORP COM Stock 126650100 2,364,961 32,929 SH SOLE 5,445 0 27,484
VANGUARD INTERMEDIATE-TERM TREASURY ETF ETF 92206C706 350,869 5,892 SH SOLE 5,476 0 416
VANGUARD SHORT-TERM TREASURY ETF ETF 92206C102 904,853 15,457 SH SOLE 13,790 0 1,667
ISHARES MSCI EMERGING MARKETS EX CHINA ETF ETF 46434G764 6,637,016 84,376 SH SOLE 61,152 0 23,224
VANGUARD FTSE EUROPE ETF ETF 922042874 67,702 67,702 SH SOLE 67,701 0 0
SCHWAB US TIPS ETF ETF 808524870 342,417 12,868 SH SOLE 10,451 0 2,417
VANGUARD S&P 500 ETF ETF 922908363 223,683 374 SH SOLE 359 0 15
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357 22,192,669 115,635 SH SOLE 62,701 0 52,934
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 327,770 3,169 SH SOLE 2,763 0 406
INVESCO CURRENCYSHARES EURO TRUST ETF 46138K103 320,283 3,002 SH SOLE 2 0 3,000
ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473 7,884,971 54,103 SH SOLE 8,363 0 45,740
BILL HOLDINGS INC COM Stock 090043100 2,260,428 59,019 SH SOLE 29,839 0 29,180
MATCH GROUP INC NEW COM Stock 57667L107 1,961,663 63,877 SH SOLE 10,989 0 52,888
VANGUARD SMALL CAP VALUE ETF ETF 922908611 10,204,486 46,971 SH SOLE 37,419 0 9,552
FRESHWORKS INC CLASS A COM Stock 358054104 1,767,981 220,172 SH SOLE 127,947 0 92,225
VANGUARD VALUE ETF ETF 922908744 17,513,872 89,265 SH SOLE 48,694 0 40,571
ISHARES CORE MSCI EAFE ETF ETF 46432F842 215,733 2,383 SH SOLE 2,383 0 0
NVIDIA CORPORATION COM Stock 67066G104 278,369 1,596 SH SOLE 806 0 790
AT&T INC Stock 00206R102 7,451,966 432,223 SH SOLE 289,032 0 143,190
SIRIUSXM HOLDINGS INC COMMON STOCK Stock 829933100 1,917,740 83,091 SH SOLE 10,547 0 72,544
ISHARES S&P 500 VALUE ETF ETF 464287408 200,308 179,293 SH SOLE 179,192 0 100
ISHARES S&P 500 GROWTH ETF ETF 464287309 210,897 210,897 SH SOLE 210,897 0 0
VANGUARD MID-CAP VALUE ETF ETF 922908512 9,952,779 54,009 SH SOLE 48,727 0 5,282
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 40,817,393 636,976 SH SOLE 340,652 0 296,323
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 412,053 69,987 SH SOLE 63,937 0 6,048
PFIZER INC COM Stock 717081103 2,771,075 98,685 SH SOLE 15,964 0 82,721
ALPHABET INC CAP STK CL C Stock 02079K107 403,677 1,407 SH SOLE 610 0 797
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879 229,793 1,940 SH SOLE 1,170 0 770
WISDOMTREE EMERGING MARKETS SMALLCAP DIVIDEND FUND ETF 97717W281 4,251,053 70,733 SH SOLE 10,573 0 60,160
WORKIVA INC COM CL A Stock 98139A105 215,085 3,607 SH SOLE 0 0 3,607
EXXON MOBIL CORP COM Stock 30231G102 239,899 1,414 SH SOLE 250 0 1,164
SPROTT PHYSICAL GOLD & SILVER TRUST CEF 85208R101 341,484 7,156 SH SOLE 1,104 0 6,052
ISHARES MSCI INTL QUALITY FACTOR ETF ETF 46434V456 14,965,281 323,714 SH SOLE 171,381 0 152,332
VODAFONE GROUP PLC SPONSORED ADR ADR 92857W308 6,745,197 449,081 SH SOLE 71,623 0 377,458
STATE STREET UTILITIES SELECT SECTOR SPDR ETF ETF 81369Y886 10,937,744 238,347 SH SOLE 117,514 0 120,833
ISHARES CORE S&P MID-CAP ETF ETF 464287507 8,053,290 119,255 SH SOLE 100,385 0 18,870
APPLE INC COM Stock 037833100 573,913 2,261 SH SOLE 145 0 2,116