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 346,164 2,138 SH SOLE 0 0 0 2,138
ABBOTT LABORATORIES COM 002824100 314,142 3,462 SH SOLE 0 1,496 0 1,966
ABBVIE INC COM 00287Y109 735,676 2,924 SH SOLE 0 1,232 0 1,691
ABRDN ETFS BBRG ALL COMMDY 003261203 1,139,995 33,382 SH SOLE 0 18,320 0 15,062
ABRDN PALLADIUM ETF TRUST PHYSICAL PALLADM 003262102 690,927 31,292 SH SOLE 0 17,097 0 14,195
ABRDN PLATINUM ETF TRUST PHYSCL PLATM SHS 003260106 648,087 45,866 SH SOLE 0 25,111 0 20,755
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 525,646 4,224 SH SOLE 0 2,029 0 2,195
ADOBE INC COM 00724F101 242,744 1,184 SH SOLE 0 725 0 459
ADVANCED MICRO DEVICES INC COM 007903107 290,455 500 SH SOLE 0 0 0 500
AFLAC INC COM 001055102 482,601 4,116 SH SOLE 0 553 0 3,563
ALLEGION PLC ORD SHS G0176J109 369,910 2,633 SH SOLE 0 0 0 2,633
ALPHABET INC CAP STK CL C 02079K107 4,972,413 14,073 SH SOLE 0 1,891 0 12,182
ALPHABET INC CAP STK CL A 02079K305 6,550,949 18,331 SH SOLE 0 3,867 0 14,464
AMAZON COM INC COM 023135106 1,381,895 5,798 SH SOLE 0 1,692 0 4,106
AMBEV SA SPONSORED ADR 02319V103 285,472 90,915 SH SOLE 0 31,271 0 59,644
AMERICAN ELEC PWR CO INC COM 025537101 408,515 2,986 SH SOLE 0 1,462 0 1,524
AMERICAN EXPRESS CO COM 025816109 1,298,542 3,839 SH SOLE 0 1,585 0 2,254
AMGEN INC COM 031162100 1,567,436 4,329 SH SOLE 0 1,851 0 2,478
AMPLIFY ETF TR AMPLIFY CYBERSEC 032108664 439,971 4,193 SH SOLE 0 1,649 0 2,544
ANHEUSER BUSCH INBEV SA NV SPONSORED ADR 03524A108 289,991 3,519 SH SOLE 0 1,699 0 1,820
APPLE INC COM 037833100 15,259,935 52,737 SH SOLE 0 8,348 0 44,389
APPLIED MATLS INC COM 038222105 825,666 1,142 SH SOLE 0 630 0 512
ASML HLDG NV N Y REGISTRY SHS N07059210 290,458 146 SH SOLE 0 35 0 111
ASTRAZENECA PLC ORD G0593M107 538,521 2,840 SH SOLE 0 1,555 0 1,285
AUTODESK INC COM 052769106 320,404 1,648 SH SOLE 0 387 0 1,261
AUTOMATIC DATA PROCESSING IN COM 053015103 901,934 4,027 SH SOLE 0 2,510 0 1,517
BANK OF AMER CORP COM 060505104 465,071 8,162 SH SOLE 0 2,039 0 6,123
BANK OF NY MELLON CORP COM 064058100 695,600 4,810 SH SOLE 0 3,860 0 950
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,798,181 5,592 SH SOLE 0 1,362 0 4,230
BLACKROCK INC COM 09290D101 252,890 263 SH SOLE 0 221 0 42
BRC INC COM CL A 05601U105 20,147 18,150 SH SOLE 0 0 0 18,150
BRISTOL-MYERS SQUIBB CO COM 110122108 413,983 7,185 SH SOLE 0 4,180 0 3,005
CAPITAL ONE FINL CORP COM 14040H105 274,667 1,369 SH SOLE 0 48 0 1,321
CARLISLE COS INC COM 142339100 661,308 1,823 SH SOLE 0 1,496 0 327
CARNIVAL CORP LTD COMMON SHARES G2004J103 254,216 8,898 SH SOLE 0 4,177 0 4,721
CARRIER GLOBAL CORPORATION COM 14448C104 205,380 2,800 SH SOLE 0 800 0 2,000
CHEVRON CORPORATION COM 166764100 1,206,514 7,279 SH SOLE 0 5,381 0 1,897
CINTAS CORP COM 172908105 479,626 2,820 SH SOLE 0 2,060 0 760
CIRRUS LOGIC INC COM 172755100 406,230 2,735 SH SOLE 0 1,239 0 1,496
CISCO SYS INC COM 17275R102 2,865,739 24,398 SH SOLE 0 7,241 0 17,157
COCA COLA CO COM 191216100 1,116,483 13,738 SH SOLE 0 5,079 0 8,659
COCA-COLA FEMSA SAB DE CV SPONS ADS REP 191241108 352,431 3,317 SH SOLE 0 825 0 2,492
COLGATE PALMOLIVE CO COM 194162103 403,392 4,400 SH SOLE 0 1,339 0 3,061
CONSTELLATION BRANDS INC CL A 21036P108 214,338 1,541 SH SOLE 0 677 0 864
CORNING INC COM 219350105 567,434 2,221 SH SOLE 0 24 0 2,197
COSTCO WHOLESALE CORPORATION COM 22160K105 5,314,405 5,681 SH SOLE 0 747 0 4,934
CSX CORP COM 126408103 397,398 8,361 SH SOLE 0 1,131 0 7,230
DANAHER CORP DEL COM 235851102 639,310 3,356 SH SOLE 0 1,571 0 1,785
DEERE & CO COM 244199105 490,577 773 SH SOLE 0 28 0 745
DIAGEO PLC SPON ADR NEW 25243Q205 295,423 3,675 SH SOLE 0 144 0 3,531
DISNEY WALT CO COM 254687106 610,474 6,343 SH SOLE 0 3,082 0 3,261
DOMINOS PIZZA INC COM 25754A201 223,806 756 SH SOLE 0 396 0 360
DUKE ENERGY CORP NEW COM NEW 26441C204 217,591 1,719 SH SOLE 0 521 0 1,198
EAST WEST BANCORP INC COM 27579R104 233,007 1,805 SH SOLE 0 833 0 972
EATON CORP PLC SHS G29183103 628,527 1,475 SH SOLE 0 1,075 0 400
ELI LILLY & CO COM 532457108 1,279,792 1,067 SH SOLE 0 724 0 343
ENTERPRISE PRODS PARTNERS L COM 293792107 254,379 6,920 SH SOLE 0 5,205 0 1,715
EXXON MOBIL CORP COM 30231G102 961,552 7,033 SH SOLE 0 3,626 0 3,407
FACTSET RESH SYS INC COM 303075105 304,626 1,324 SH SOLE 0 397 0 927
FORTINET INC COM 34959E109 423,069 2,754 SH SOLE 0 494 0 2,260
GARMIN LTD SHS H2906T109 962,275 4,051 SH SOLE 0 1,466 0 2,585
GE AEROSPACE COM NEW 369604301 1,577,225 4,220 SH SOLE 0 1,260 0 2,960
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107 304,624 4,759 SH SOLE 0 1,946 0 2,813
GE VERNOVA INC COM 36828A101 293,715 250 SH SOLE 0 13 0 237
GENERAL DYNAMICS CORP COM 369550108 293,311 828 SH SOLE 0 73 0 755
GENWORTH FINL INC COM SHS 37247D106 144,758 15,286 SH SOLE 0 0 0 15,286
GILEAD SCIENCES INC COM 375558103 261,145 2,067 SH SOLE 0 657 0 1,410
GLOBAL X FDS ARTIFICIAL ETF 37954Y632 691,529 10,540 SH SOLE 0 7,835 0 2,705
HERSHEY CO COM 427866108 547,229 3,119 SH SOLE 0 1,513 0 1,606
HOME DEPOT INC COM 437076102 2,071,187 5,873 SH SOLE 0 1,920 0 3,953
INCYTE CORP COM 45337C102 407,869 3,598 SH SOLE 0 1,655 0 1,943
INTUITIVE SURGICAL INC COM NEW 46120E602 1,789,560 4,500 SH SOLE 0 0 0 4,500
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 1,345,432 84,725 SH SOLE 0 45,053 0 39,672
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431 5,692,961 46,553 SH SOLE 0 23,880 0 22,673
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 229,298 3,555 SH SOLE 0 3,365 0 190
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 319,581 1,502 SH SOLE 0 989 0 513
ISHARES GOLD TR ISHARES NEW 464285204 2,955,386 39,139 SH SOLE 0 15,909 0 23,230
ISHARES TR 3 7 YR TREAS BD 464288661 263,205 2,241 SH SOLE 0 548 0 1,693
ISHARES TR NATIONAL MUN ETF 464288414 1,933,393 17,965 SH SOLE 0 10,200 0 7,765
ISHARES TR EAFE GRWTH ETF 464288885 227,813 1,831 SH SOLE 0 1,775 0 56
ISHARES TR CORE S&P TTL STK 464287150 225,214 1,371 SH SOLE 0 669 0 702
ISHARES TR MSCI ACWI ETF 464288257 291,977 1,860 SH SOLE 0 1,780 0 80
ISHARES TR SHRT NAT MUN ETF 464288158 3,814,501 35,827 SH SOLE 0 14,727 0 21,100
ISHARES TR CORE US AGGBD ET 464287226 2,796,284 28,251 SH SOLE 0 15,130 0 13,121
ISHARES TR TIPS BD ETF 464287176 309,249 2,826 SH SOLE 0 1,668 0 1,158
ISHARES TR 1 3 YR TREAS BD 464287457 833,818 10,155 SH SOLE 0 4,867 0 5,288
ISHARES TR CORE S&P MCP ETF 464287507 4,706,484 61,036 SH SOLE 0 33,215 0 27,821
ISHARES TR CORE S&P SCP ETF 464287804 788,713 5,318 SH SOLE 0 3,335 0 1,983
ISHARES TR CORE S&P500 ETF 464287200 325,018 434 SH SOLE 0 337 0 97
ISHARES TR U.S. REAL ES ETF 464287739 436,723 4,271 SH SOLE 0 2,032 0 2,239
ISHARES TR FLTG RATE NT ETF 46429B655 256,628 5,027 SH SOLE 0 1,886 0 3,141
ISHARES TR 0-5 YR TIPS ETF 46429B747 7,739,958 75,763 SH SOLE 0 40,072 0 35,691
ISHARES TR 0-5YR INVT GR CP 46434V100 220,671 4,381 SH SOLE 0 1,705 0 2,676
ISHARES TR CORE DIV GRWTH 46434V621 7,906,108 104,316 SH SOLE 0 55,739 0 48,577
ISHARES TR GLOBAL REIT ETF 46434V647 5,080,663 183,949 SH SOLE 0 98,136 0 85,812
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 1,436,188 47,290 SH SOLE 0 25,155 0 22,135
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 473,421 9,362 SH SOLE 0 4,842 0 4,520
JOHNSON & JOHNSON COM 478160104 2,210,921 8,705 SH SOLE 0 4,636 0 4,069
JPMORGAN CHASE & CO COM 46625H100 2,163,975 6,611 SH SOLE 0 3,372 0 3,239
KINDER MORGAN INC DEL COM 49456B101 338,115 10,576 SH SOLE 0 218 0 10,358
KLA CORP COM NEW 482480100 1,090,380 3,614 SH SOLE 0 2,194 0 1,420
LAM RESEARCH CORP COM NEW 512807306 1,229,357 2,837 SH SOLE 0 1,309 0 1,528
LOWES COS INC COM 548661107 573,274 2,600 SH SOLE 0 600 0 2,000
MCDONALDS CORP COM 580135101 882,536 3,265 SH SOLE 0 1,396 0 1,869
MEDTRONIC PLC SHS G5960L103 225,537 2,883 SH SOLE 0 1,634 0 1,249
MERCADOLIBRE INC COM 58733R102 502,427 296 SH SOLE 0 65 0 231
MERCK & CO INC COM 58933Y105 1,299,412 10,112 SH SOLE 0 3,619 0 6,493
META PLATFORMS INC CL A 30303M102 668,625 1,187 SH SOLE 0 577 0 610
MICRON TECHNOLOGY INC COM 595112103 1,158,907 1,004 SH SOLE 0 240 0 764
MICROSOFT CORP COM 594918104 2,732,213 7,325 SH SOLE 0 3,216 0 4,109
MID-AMER APT CMNTYS INC COM 59522J103 490,458 3,530 SH SOLE 0 0 0 3,530
MILLICOM INTL CELLULAR S A COM STK L6388F110 219,431 2,418 SH SOLE 0 826 0 1,592
NETFLIX INC. COM 64110L106 762,766 10,683 SH SOLE 0 5,701 0 4,982
NETSCOUT SYS INC COM 64115T104 259,645 5,962 SH SOLE 0 1,886 0 4,076
NEXTERA ENERGY INC COM 65339F101 1,545,981 17,614 SH SOLE 0 5,308 0 12,306
NIKE INC CL B 654106103 205,221 4,999 SH SOLE 0 2,782 0 2,217
NORDSON CORP COM 655663102 365,347 1,211 SH SOLE 0 570 0 641
NORTHROP GRUMMAN CORP COM 666807102 659,556 1,295 SH SOLE 0 176 0 1,119
NOVARTIS AG SPONSORED ADR 66987V109 833,907 5,321 SH SOLE 0 230 0 5,091
NVIDIA CORPORATION COM 67066G104 619,279 3,095 SH SOLE 0 905 0 2,190
ONTO INNOVATION INC COM 683344105 249,777 660 SH SOLE 0 228 0 432
ORACLE CORP COM 68389X105 761,034 5,193 SH SOLE 0 125 0 5,068
PARKER-HANNIFIN CORP COM 701094104 1,132,663 1,158 SH SOLE 0 635 0 523
PEPSICO INC COM 713448108 1,656,771 12,236 SH SOLE 0 5,061 0 7,175
PFIZER INC COM 717081103 222,979 9,260 SH SOLE 0 5,459 0 3,801
PLAYBOY INC COM 72814P109 22,219 18,212 SH SOLE 0 750 0 17,462
PNC FINL SVCS GROUP INC COM 693475105 1,407,394 5,716 SH SOLE 0 3,057 0 2,659
PROCTER & GAMBLE CO COM 742718109 847,892 5,782 SH SOLE 0 489 0 5,293
PROLOGIS INC. COM 74340W103 506,929 3,742 SH SOLE 0 2,276 0 1,466
PURECYCLE TECHNOLOGIES INC COM 74623V103 91,238 11,250 SH SOLE 0 1,250 0 10,000
QUALCOMM INC COM 747525103 1,824,432 9,873 SH SOLE 0 1,165 0 8,708
REPUBLIC SVCS INC COM 760759100 476,660 2,237 SH SOLE 0 602 0 1,635
ROSS STORES INC COM 778296103 212,850 1,000 SH SOLE 0 0 0 1,000
RTX CORPORATION COM 75513E101 1,271,855 6,704 SH SOLE 0 3,413 0 3,291
S&P GLOBAL INC COM 78409V104 426,808 1,048 SH SOLE 0 391 0 657
SCHWAB STRATEGIC TR US TIPS ETF 808524870 245,973 9,282 SH SOLE 0 432 0 8,850
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 5,606,838 106,271 SH SOLE 0 57,998 0 48,273
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 12,269,343 394,513 SH SOLE 0 229,803 0 164,710
SHELL PLC SPON ADS 780259305 760,745 9,811 SH SOLE 0 1,162 0 8,649
SNAP ON INC COM 833034101 300,995 748 SH SOLE 0 366 0 382
SONY GROUP CORP SPONSORED ADR 835699307 898,746 44,803 SH SOLE 0 12,109 0 32,694
SPDR GOLD TR GOLD SHS 78463V107 633,982 1,721 SH SOLE 0 384 0 1,337
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 553,868 6,044 SH SOLE 0 1,734 0 4,310
SS&C TECH HLDGS COM 78467J100 218,850 3,527 SH SOLE 0 1,973 0 1,554
STARBUCKS CORP COM 855244109 441,767 4,323 SH SOLE 0 1,983 0 2,340
STRYKER CORPORATION COM 863667101 610,475 1,939 SH SOLE 0 1,196 0 743
T1 ENERGY INC COM NEW 35834F104 126,918 13,388 SH SOLE 0 1,400 0 11,988
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 737,846 1,545 SH SOLE 0 72 0 1,473
TARGET CORP COM 87612E106 513,950 3,935 SH SOLE 0 1,172 0 2,763
TELEFONAKTIEBOLAGET LM ERICS ADR B SEK 10 294821608 185,408 16,629 SH SOLE 0 9,765 0 6,864
TELEFONICA BRASIL SA SPONSORED ADS 87936R205 164,949 12,534 SH SOLE 0 4,163 0 8,371
TELEPHONE & DATA SYS INC COM NEW 879433829 1,258,340 34,000 SH SOLE 0 0 0 34,000
THE CIGNA GROUP COM 125523100 571,485 2,073 SH SOLE 0 73 0 2,000
THERMO FISHER SCIENTIFIC INC COM 883556102 488,826 975 SH SOLE 0 360 0 615
TIDEWATER INC NEW COM 88642R109 300,368 4,508 SH SOLE 0 2,445 0 2,063
TJX COS INC NEW COM 872540109 1,277,707 8,434 SH SOLE 0 2,988 0 5,446
TKO GROUP HOLDINGS INC CL A 87256C101 402,620 2,000 SH SOLE 0 0 0 2,000
TORONTO DOMINION BK ONT COM NEW 891160509 497,984 4,101 SH SOLE 0 2,436 0 1,665
TRAVELERS COMPANIES INC COM 89417E109 742,770 2,250 SH SOLE 0 825 0 1,425
UIPATH INC CL A 90364P105 108,700 10,000 SH SOLE 0 0 0 10,000
UNILEVER PLC SPON ADR NEW 904767803 285,931 4,756 SH SOLE 0 317 0 4,439
UNION PAC CORP COM 907818108 201,280 740 SH SOLE 0 267 0 473
USCF ETF TR SUMMERHAVEN K1 90290T809 1,151,198 43,540 SH SOLE 0 23,956 0 19,584
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 784,351 10,067 SH SOLE 0 4,482 0 5,585
VANGUARD INDEX FDS SM CP VAL ETF 922908611 4,526,709 18,629 SH SOLE 0 9,735 0 8,894
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,748,343 49,241 SH SOLE 0 25,118 0 24,123
VANGUARD INDEX FDS SMALL CP ETF 922908751 247,043 815 SH SOLE 0 700 0 115
VANGUARD INDEX FDS TOTAL STK MKT 922908769 237,566 642 SH SOLE 0 552 0 90
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 321,693 6,404 SH SOLE 0 2,979 0 3,425
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,406,984 27,817 SH SOLE 0 9,229 0 18,588
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565 5,966,320 87,061 SH SOLE 0 45,548 0 41,513
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 5,284,023 89,590 SH SOLE 0 41,666 0 47,924
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 5,666,936 97,370 SH SOLE 0 49,072 0 48,298
VANGUARD STAR FDS VG TL INTL STK F 921909768 3,490,688 40,832 SH SOLE 0 21,429 0 19,403
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870 1,185,327 11,700 SH SOLE 0 0 0 11,700
VERIZON COMMUNICATIONS INC COM 92343V104 242,566 5,729 SH SOLE 0 2,475 0 3,254
VISA INC COM CL A 92826C839 1,644,430 4,793 SH SOLE 0 1,982 0 2,811
WALMART INC COM 931142103 1,166,918 10,303 SH SOLE 0 4,898 0 5,405
WEC ENERGY GROUP INC COM 92939U106 323,264 2,768 SH SOLE 0 1,433 0 1,335
WILLIS TOWERS WATSON PLC LTD SHS G96629103 280,114 1,072 SH SOLE 0 1,072 0 0
WISDOMTREE TR US MIDCAP DIVID 97717W505 249,197 4,409 SH SOLE 0 3,425 0 984
YUM BRANDS INC COM 988498101 637,629 3,989 SH SOLE 0 1,138 0 2,851