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
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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
AMAZON COM INC COM Stock 023135106 2,598,631 10,903 SH SOLE 0 0 0 10,903
POWERSHARES QQQ TRUST SERIES 1 ETF 46090E103 528,859 718 SH SOLE 0 0 0 718
STATE STREET TECHNOLOGY SELECT SECTOR SPDR ETF ETF 81369Y803 1,441,863 7,568 SH SOLE 0 0 0 7,568
STATE STREET SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649 1,319,399 51,701 SH SOLE 0 0 0 51,700
INTERDIGITAL INC COM Stock 45867G101 301,817 1,066 SH SOLE 0 0 0 1,066
ISHARES GOLD TRUST ETF 464285204 4,204,548 55,682 SH SOLE 0 0 0 55,682
JOHNSON & JOHNSON COM Stock 478160104 8,449,416 33,269 SH SOLE 0 0 0 33,269
SEAGATE TECHNOLOGY HLDNGS PLC ORD SHS Stock G7997R103 246,076 255 SH SOLE 0 0 0 255
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769 476,636 1,288 SH SOLE 0 0 0 1,288
WISDOMTREE FLOATING RATE TREASURY FUND ETF 97717Y527 570,876 11,338 SH SOLE 0 0 0 11,338
VANGUARD ENERGY ETF ETF 92204A306 383,376 2,554 SH SOLE 0 0 0 2,553
COSTCO WHOLESALE CORPORATION COM Stock 22160K105 2,377,072 2,541 SH SOLE 0 0 0 2,541
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 6,472,069 94,607 SH SOLE 0 0 0 94,607
SHELL PLC SPON ADS ADR 780259305 257,278 3,318 SH SOLE 0 0 0 3,318
PROCTER & GAMBLE CO COM Stock 742718109 7,093,241 48,372 SH SOLE 0 0 0 48,371
COCA COLA CO COM Stock 191216100 8,031,775 98,828 SH SOLE 0 0 0 98,828
VANGUARD REAL ESTATE ETF ETF 922908553 4,987,195 51,718 SH SOLE 0 0 0 51,718
MEDTRONIC PLC SHS Stock G5960L103 7,158,662 91,508 SH SOLE 0 0 0 91,507
ISHARES MSCI TAIWAN ETF ETF 46434G772 1,796,301 16,539 SH SOLE 0 0 0 16,539
NETFLIX INC. COM Stock 64110L106 1,973,782 27,644 SH SOLE 0 0 0 27,644
STATE STREET SPDR S&P 500 ETF ETF 78462F103 20,804,116 27,859 SH SOLE 0 0 0 27,858
TOTALENERGIES SE ACT Stock F92124100 456,684 5,873 SH SOLE 0 0 0 5,873
EMERSON ELEC CO COM Stock 291011104 7,750,002 54,139 SH SOLE 0 0 0 54,139
ISHARES CORE U.S. REIT ETF ETF 464288521 22,516,232 338,845 SH SOLE 0 0 0 338,844
ISHARES TIPS BOND ETF ETF 464287176 3,623,385 33,111 SH SOLE 0 0 0 33,111
ACCESS TREASURY 0-1 YEAR ETF ETF 381430529 14,357,706 143,348 SH SOLE 0 0 0 143,347
SHERWIN WILLIAMS CO COM Stock 824348106 7,644,965 22,203 SH SOLE 0 0 0 22,203
PEPSICO INC COM Stock 713448108 6,568,143 48,509 SH SOLE 0 0 0 48,509
STATE STREET SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF ETF 78464A359 11,565,055 107,263 SH SOLE 0 0 0 107,262
HOME DEPOT INC COM Stock 437076102 215,135 610 SH SOLE 0 0 0 610
AUTOMATIC DATA PROCESSING INC COM Stock 053015103 7,428,315 33,170 SH SOLE 0 0 0 33,169
ABRDN BLOOMBERG ALL COMMODITY STRATEGY K-1 FREE ETF ETF 003261104 20,500,349 917,652 SH SOLE 0 0 0 917,652
ABRDN PHYSICAL GOLD SHARES ETF ETF 00326A104 1,127,326 29,488 SH SOLE 0 0 0 29,488
STATE STREET HEALTH CARE SELECT SECTOR SPDR ETF ETF 81369Y209 1,323,566 8,342 SH SOLE 0 0 0 8,342
ISHARES MSCI PERU AND GLOBAL EXPOSURE ETF ETF 464289842 422,093 5,055 SH SOLE 0 0 0 5,055
SPDR GOLD SHARES ETF 78463V107 342,593 930 SH SOLE 0 0 0 930
ISHARES U.S. REAL ESTATE ETF ETF 464287739 1,238,172 12,109 SH SOLE 0 0 0 12,109
STATE STREET CONSUMER STAPLES SELECT SECTOR SPDR ETF ETF 81369Y308 1,236,207 14,882 SH SOLE 0 0 0 14,881
ISHARES BROAD USD HIGH YIELD CORPORATE BOND ETF ETF 46435U853 4,272,971 115,423 SH SOLE 0 0 0 115,423
MICROSOFT CORP COM Stock 594918104 3,361,733 9,012 SH SOLE 0 0 0 9,012
CVS HEALTH CORP COM Stock 126650100 271,187 2,621 SH SOLE 0 0 0 2,621
NEXTERA ENERGY INC COM Stock 65339F101 7,491,650 85,355 SH SOLE 0 0 0 85,355
TESLA INC COM Stock 88160R101 299,467 712 SH SOLE 0 0 0 712
LINDE PLC SHS Stock G54950103 524,674 1,011 SH SOLE 0 0 0 1,011
VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702 490,510 4,104 SH SOLE 0 0 0 4,104
VANGUARD S&P 500 ETF ETF 922908363 5,706,318 8,308 SH SOLE 0 0 0 8,308
VANGUARD COMMUNICATION SERVICES ETF ETF 92204A884 1,152,289 6,264 SH SOLE 0 0 0 6,264
STATE STREET SPDR S&P MIDCAP 400 ETF TRUST ETF 78467Y107 234,916 334 SH SOLE 0 0 0 334
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 1,885,115 18,453 SH SOLE 0 0 0 18,452
VANGUARD RUSSELL 2000 ETF ETF 92206C664 9,562,993 78,760 SH SOLE 0 0 0 78,759
FIRST TRUST INDXX NEXTG ETF ETF 33737K205 446,072 2,909 SH SOLE 0 0 0 2,909
ROBO GLOBAL ARTIFICIAL INTELLIGENCE ETF ETF 301505731 489,433 5,366 SH SOLE 0 0 0 5,366
INVESCO NASDAQ 100 ETF ETF 46138G649 1,893,201 6,249 SH SOLE 0 0 0 6,248
PIMCO 0-5 YEAR HIGH YIELD CORPORATE BOND INDEX EXCHANGE-TRADED FUND ETF 72201R783 4,096,915 43,808 SH SOLE 0 0 0 43,807
META PLATFORMS INC CL A Stock 30303M102 2,183,506 3,876 SH SOLE 0 0 0 3,876
ASML HLDG NV N Y REGISTRY SHS ADR N07059210 3,212,946 1,615 SH SOLE 0 0 0 1,615
BROADCOM INC COM Stock 11135F101 2,329,418 6,167 SH SOLE 0 0 0 6,166
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 10,608,725 211,203 SH SOLE 0 0 0 211,202
ROYAL BK CDA COM Stock 780087102 626,498 3,027 SH SOLE 0 0 0 3,027
ENBRIDGE INC COM Stock 29250N105 603,032 11,124 SH SOLE 0 0 0 11,124
NVIDIA CORPORATION COM Stock 67066G104 6,841,524 34,192 SH SOLE 0 0 0 34,192
ABBVIE INC COM Stock 00287Y109 8,695,476 34,555 SH SOLE 0 0 0 34,555
S&P GLOBAL INC COM Stock 78409V104 6,802,070 16,702 SH SOLE 0 0 0 16,702
ISHARES GLOBAL CONSUMER STAPLES ETF ETF 464288737 364,664 5,400 SH SOLE 0 0 0 5,400
MANULIFE FINL CORP COM Stock 56501R106 577,794 14,263 SH SOLE 0 0 0 14,263
VANGUARD TOTAL BOND MARKET ETF ETF 921937835 4,131,295 56,277 SH SOLE 0 0 0 56,277
IMPERIAL OIL LTD COM NEW Stock 453038408 452,113 4,036 SH SOLE 0 0 0 4,036
GENERAL DYNAMICS CORP COM Stock 369550108 7,620,835 21,513 SH SOLE 0 0 0 21,513
MCDONALDS CORP COM Stock 580135101 6,698,910 24,782 SH SOLE 0 0 0 24,782
ADVANCED MICRO DEVICES INC COM Stock 007903107 657,024 1,131 SH SOLE 0 0 0 1,131
VANGUARD FINANCIALS ETF ETF 92204A405 300,180 2,281 SH SOLE 0 0 0 2,281
STATE STREET ENERGY SELECT SECTOR SPDR ETF ETF 81369Y506 1,222,623 23,021 SH SOLE 0 0 0 23,020
STATE STREET MATERIALS SELECT SECTOR SPDR ETF ETF 81369Y100 1,347,290 26,506 SH SOLE 0 0 0 26,505
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513 4,083,729 51,066 SH SOLE 0 0 0 51,065
STATE STREET CONSUMER DISCRETIONARY SELECT SECTOR SPDR ETF ETF 81369Y407 1,220,426 10,406 SH SOLE 0 0 0 10,406
STATE STREET INDUSTRIAL SELECT SECTOR SPDR ETF ETF 81369Y704 1,409,255 7,608 SH SOLE 0 0 0 7,608
PROSHARES S&P 500 DIVIDEND ARISTOCRATS ETF ETF 74348A467 6,989,008 124,448 SH SOLE 0 0 0 124,448
STATE STREET SPDR BLOOMBERG 1-10 YEAR TIPS ETF ETF 78468R861 2,156,335 113,911 SH SOLE 0 0 0 113,911
ISHARES S&P 500 GROWTH ETF ETF 464287309 5,701,995 41,460 SH SOLE 0 0 0 41,460
ISHARES CORE S&P 500 ETF ETF 464287200 268,105 358 SH SOLE 0 0 0 358
ONEOK INC NEW COM Stock 682680103 280,121 3,222 SH SOLE 0 0 0 3,222
CHEVRON CORPORATION COM Stock 166764100 6,916,093 41,724 SH SOLE 0 0 0 41,723
BANK OF AMER CORP COM Stock 060505104 409,189 7,181 SH SOLE 0 0 0 7,181
WALMART INC COM Stock 931142103 7,986,202 70,512 SH SOLE 0 0 0 70,512
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 8,258,140 29,366 SH SOLE 0 0 0 29,366
ISHARES MSCI USA VALUE FACTOR ETF ETF 46432F388 2,312,801 11,575 SH SOLE 0 0 0 11,575
CATERPILLAR INC COM Stock 149123101 9,649,975 9,062 SH SOLE 0 0 0 9,061
ALPHABET INC CAP STK CL C Stock 02079K107 2,598,436 7,354 SH SOLE 0 0 0 7,354
APPLIED MATLS INC COM Stock 038222105 456,154 631 SH SOLE 0 0 0 630
VANECK MERK GOLD ETF ETF 921078101 1,319,778 34,200 SH SOLE 0 0 0 34,200
ISHARES 7-10 YEAR TREASURY BOND ETF ETF 464287440 394,451 4,171 SH SOLE 0 0 0 4,171
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 8,857,896 89,492 SH SOLE 0 0 0 89,491
INVESCO BUYBACK ACHIEVERS ETF ETF 46137V308 295,787 2,088 SH SOLE 0 0 0 2,088
RESTAURANT BRANDS INTL INC COM Stock 76131D103 513,878 7,087 SH SOLE 0 0 0 7,087
FIDELITY TOTAL BOND ETF ETF 316188309 24,062,145 528,955 SH SOLE 0 0 0 528,954
STATE STREET SPDR BLOOMBERG HIGH YIELD BOND ETF ETF 78468R622 5,039,166 52,290 SH SOLE 0 0 0 52,289
ISHARES MSCI AUSTRIA ETF ETF 464286202 2,265,489 53,526 SH SOLE 0 0 0 53,526
EXXONMOBIL HOLDINGS CORP COM SHS Stock 30233Q108 6,969,763 50,978 SH SOLE 0 0 0 50,978
UNITEDHEALTH GROUP INC COM Stock 91324P102 360,767 868 SH SOLE 0 0 0 868
LOWES COS INC COM Stock 548661107 7,104,253 32,220 SH SOLE 0 0 0 32,220
TFI INTERNATIONAL INC COM Stock 87241L109 511,109 3,560 SH SOLE 0 0 0 3,560
VODAFONE GROUP PLC SPONSORED ADR ADR 92857W308 513,600 38,835 SH SOLE 0 0 0 38,835
STATE STREET UTILITIES SELECT SECTOR SPDR ETF ETF 81369Y886 1,439,681 31,753 SH SOLE 0 0 0 31,752
TORONTO DOMINION BK ONT COM NEW Stock 891160509 672,115 5,535 SH SOLE 0 0 0 5,535
AUTOZONE INC COM Stock 053332102 703,107 220 SH SOLE 0 0 0 220
ISHARES MSCI EAFE ETF ETF 464287465 22,369,392 215,339 SH SOLE 0 0 0 215,338
APPLE INC COM Stock 037833100 4,609,113 15,929 SH SOLE 0 0 0 15,928
ABBOTT LABORATORIES COM Stock 002824100 7,281,710 80,248 SH SOLE 0 0 0 80,248
VANGUARD TOTAL WORLD STOCK ETF ETF 922042742 860,979 5,486 SH SOLE 0 0 0 5,485
STATE STREET SPDR BLOOMBERG 1-3 MONTH T-BILL ETF ETF 78468R663 20,190,541 220,325 SH SOLE 0 0 0 220,324