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 386,642 2,388 SH SOLE 0 0 2,388
ABBOTT LABORATORIES COM 002824100 241,823 2,665 SH SOLE 0 0 2,665
ABBVIE INC COM 00287Y109 556,125 2,210 SH SOLE 0 0 2,210
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108 3,349,532 59,579 SH SOLE 0 0 59,579
ADVANCED MICRO DEVICES INC COM 007903107 700,578 1,206 SH SOLE 0 0 1,206
AFLAC INC COM 001055102 1,030,159 8,786 SH SOLE 0 0 8,786
AIR PRODUCTS AND CHEMICALS I COM 009158106 470,261 1,604 SH SOLE 0 0 1,604
ALBEMARLE CORP COM 012653101 221,180 1,638 SH SOLE 0 0 1,638
ALLSTATE CORP COM 020002101 707,158 2,972 SH SOLE 0 0 2,972
ALPHABET INC CAP STK CL A 02079K305 1,048,881 2,935 SH SOLE 0 0 2,935
ALTRIA GROUP INC COM 02209S103 406,878 5,655 SH SOLE 0 0 5,655
AMGEN INC COM 031162100 328,805 908 SH SOLE 0 0 908
AMKOR TECHNOLOGY INC COM 031652100 309,739 3,592 SH SOLE 0 0 3,592
APPLE INC COM 037833100 1,101,015 3,805 SH SOLE 0 0 3,805
APPLIED MATLS INC COM 038222105 1,743,876 2,412 SH SOLE 0 0 2,412
ARCHER DANIELS MIDLAND CO COM 039483102 388,953 5,091 SH SOLE 0 0 5,091
ASML HLDG NV N Y REGISTRY SHS N07059210 929,069 467 SH SOLE 0 0 467
ASTERA LABS INC COM 04626A103 268,077 555 SH SOLE 0 0 555
ATKORE INC COM 047649108 266,977 3,511 SH SOLE 0 0 3,511
BECTON DICKINSON & CO COM 075887109 251,965 1,665 SH SOLE 0 0 1,665
BERKSHIRE HATHAWAY INC DEL CL A 084670108 748,850 1 SH SOLE 0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 475,371 950 SH SOLE 0 0 950
BLOCK H & R INC COM 093671105 244,779 6,428 SH SOLE 0 0 6,428
BROADCOM INC COM 11135F101 1,140,050 3,018 SH SOLE 0 0 3,018
CATERPILLAR INC COM 149123101 1,202,273 1,129 SH SOLE 0 0 1,129
CHEVRON CORPORATION COM 166764100 610,329 3,682 SH SOLE 0 0 3,682
CISCO SYS INC COM 17275R102 449,285 3,825 SH SOLE 0 0 3,825
CITIGROUP INC COM NEW 172967424 338,284 2,417 SH SOLE 0 0 2,417
COMFORT SYS USA INC COM 199908104 297,293 150 SH SOLE 0 0 150
COSTCO WHOLESALE CORPORATION COM 22160K105 332,092 355 SH SOLE 0 0 355
CUMMINS INC COM 231021106 950,709 1,333 SH SOLE 0 0 1,333
DEERE & CO COM 244199105 629,256 992 SH SOLE 0 0 992
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 449,204 5,482 SH SOLE 0 0 5,482
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 296,140 5,383 SH SOLE 0 0 5,383
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 269,978 3,279 SH SOLE 0 0 3,279
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 377,229 10,240 SH SOLE 0 0 10,240
DISNEY WALT CO COM 254687106 257,662 2,677 SH SOLE 0 0 2,677
EATON VANCE TAX-MANAGED GLOB COM 27829F108 210,915 21,500 SH SOLE 0 0 21,500
FEDEX CORP COM 31428X106 206,979 661 SH SOLE 0 0 661
FIRST SOLAR INC COM 336433107 878,244 3,722 SH SOLE 0 0 3,722
GENERAL DYNAMICS CORP COM 369550108 413,399 1,167 SH SOLE 0 0 1,167
GENUINE PARTS CO COM 372460105 293,299 2,486 SH SOLE 0 0 2,486
GILEAD SCIENCES INC COM 375558103 917,734 7,264 SH SOLE 0 0 7,264
GOLDMAN SACHS GROUP INC COM 38141G104 204,297 202 SH SOLE 0 0 202
HERSHEY CO COM 427866108 731,802 4,171 SH SOLE 0 0 4,171
HEWLETT PACKARD ENTERPRISE C COM 42824C109 699,927 15,516 SH SOLE 0 0 15,516
INGLES MKTS INC CL A 457030104 227,917 2,573 SH SOLE 0 0 2,573
INTEL CORP COM 458140100 1,087,020 7,785 SH SOLE 0 0 7,785
INTERNATIONAL BUSINESS MACHS COM 459200101 394,257 1,402 SH SOLE 0 0 1,402
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472 5,272,174 46,706 SH SOLE 0 0 46,706
IRADIMED CORP COM 46266A109 354,528 3,710 SH SOLE 0 0 3,710
ISHARES TR CORE DIV GRWTH 46434V621 33,928,986 447,671 SH SOLE 0 0 447,671
ISHARES TR CORE INTL AGGR 46435G672 7,056,980 139,466 SH SOLE 0 0 139,466
ISHARES TR CORE US AGGBD ET 464287226 9,687,668 97,875 SH SOLE 0 0 97,875
ISHARES TR EXPANDED TECH 464287515 6,941,048 76,612 SH SOLE 0 0 76,612
ISHARES TR MSCI INTL QUALTY 46434V456 43,327,115 874,412 SH SOLE 0 0 874,412
ISHARES TR US INFRASTRUC 46435U713 3,775,214 59,886 SH SOLE 0 0 59,886
JOHNSON & JOHNSON COM 478160104 270,733 1,066 SH SOLE 0 0 1,066
JPMORGAN CHASE & CO COM 46625H100 764,316 2,335 SH SOLE 0 0 2,335
KIMBERLY-CLARK CORP COM 494368103 273,986 2,496 SH SOLE 0 0 2,496
LAM RESEARCH CORP COM NEW 512807306 1,864,186 4,302 SH SOLE 0 0 4,302
LINDE PLC SHS G54950103 721,327 1,390 SH SOLE 0 0 1,390
LOCKHEED MARTIN CORP COM 539830109 706,112 1,386 SH SOLE 0 0 1,386
LOWES COS INC COM 548661107 392,032 1,778 SH SOLE 0 0 1,778
LULULEMON ATHLETICA INC COM 550021109 230,416 2,018 SH SOLE 0 0 2,018
META PLATFORMS INC CL A 30303M102 291,221 517 SH SOLE 0 0 517
MICROSOFT CORP COM 594918104 1,338,196 3,587 SH SOLE 0 0 3,587
MORGAN STANLEY COM NEW 617446448 402,612 1,926 SH SOLE 0 0 1,926
NATIONAL FUEL GAS CO COM 636180101 265,140 3,434 SH SOLE 0 0 3,434
NEXTERA ENERGY INC COM 65339F101 259,010 2,951 SH SOLE 0 0 2,951
NUTRIEN LTD COM 67077M108 524,374 8,330 SH SOLE 0 0 8,330
NVIDIA CORPORATION COM 67066G104 363,164 1,815 SH SOLE 0 0 1,815
ORACLE CORP COM 68389X105 249,429 1,702 SH SOLE 0 0 1,702
PHILLIPS 66 COM 718546104 303,445 1,795 SH SOLE 0 0 1,795
QUALCOMM INC COM 747525103 259,446 1,404 SH SOLE 0 0 1,404
RBB FD INC F/M US TREASURY 74933W452 2,066,598 41,448 SH SOLE 0 0 41,448
REPUBLIC SVCS INC COM 760759100 284,462 1,335 SH SOLE 0 0 1,335
SALESFORCE INC COM 79466L302 466,221 2,976 SH SOLE 0 0 2,976
SCHWAB STRATEGIC TR FUND EM EQUI ETF 808524730 6,210,000 156,502 SH SOLE 0 0 156,502
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 17,008,103 536,364 SH SOLE 0 0 536,364
SCHWAB STRATEGIC TR US TIPS ETF 808524870 11,364,181 428,837 SH SOLE 0 0 428,837
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 4,417,412 27,842 SH SOLE 0 0 27,842
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 4,168,333 91,935 SH SOLE 0 0 91,935
SERVICENOW INC COM 81762P102 302,010 3,042 SH SOLE 0 0 3,042
SNAP ON INC COM 833034101 356,124 885 SH SOLE 0 0 885
SPDR SERIES TRUST ST STR SP METAL 78464A755 3,337,927 31,216 SH SOLE 0 0 31,216
SPROUTS FMRS MKT INC COM 85208M102 624,539 7,384 SH SOLE 0 0 7,384
STANLEY BLACK & DECKER INC COM 854502101 215,347 2,288 SH SOLE 0 0 2,288
TARGET CORP COM 87612E106 371,717 2,846 SH SOLE 0 0 2,846
TESLA INC COM 88160R101 868,539 2,065 SH SOLE 0 0 2,065
T-MOBILE US INC COM 872590104 368,000 2,194 SH SOLE 0 0 2,194
UIPATH INC CL A 90364P105 127,516 11,731 SH SOLE 0 0 11,731
UNITED PARCEL SVCS INC CL B 911312106 230,803 2,147 SH SOLE 0 0 2,147
VALERO ENERGY CORP COM 91913Y100 1,136,409 4,363 SH SOLE 0 0 4,363
VANECK ETF TRUST PREFERRED SECURT 92189F429 5,397,778 302,566 SH SOLE 0 0 302,566
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 847,086 6,160 SH SOLE 0 0 6,160
VANGUARD BD INDEX FDS INTERMED TERM 921937819 19,433,311 253,368 SH SOLE 0 0 253,368
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,170,009 29,561 SH SOLE 0 0 29,561
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 7,317,312 151,090 SH SOLE 0 0 151,090
VANGUARD INDEX FDS GROWTH ETF 922908736 3,035,855 35,243 SH SOLE 0 0 35,243
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 458,861 1,499 SH SOLE 0 0 1,499
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 341,624 1,729 SH SOLE 0 0 1,729
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 8,312,035 86,197 SH SOLE 0 0 86,197
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 828,883 1,207 SH SOLE 0 0 1,207
VANGUARD INDEX FDS SM CP VAL ETF 922908611 25,746,754 105,958 SH SOLE 0 0 105,958
VANGUARD INDEX FDS SMALL CP ETF 922908751 376,069 1,241 SH SOLE 0 0 1,241
VANGUARD INDEX FDS VALUE ETF 922908744 1,382,122 6,341 SH SOLE 0 0 6,341
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 14,099,238 236,207 SH SOLE 0 0 236,207
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 6,140,175 39,123 SH SOLE 0 0 39,123
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 970,884 19,195 SH SOLE 0 0 19,195
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 9,624,924 116,454 SH SOLE 0 0 116,454
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 2,214,395 6,681 SH SOLE 0 0 6,681
VANGUARD STAR FDS VG TL INTL STK F 921909768 920,322 10,765 SH SOLE 0 0 10,765
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 4,150,431 58,252 SH SOLE 0 0 58,252
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 466,361 2,951 SH SOLE 0 0 2,951
VANGUARD WORLD FD CONSUM STP ETF 92204A207 4,083,597 18,110 SH SOLE 0 0 18,110
VANGUARD WORLD FD ENERGY ETF 92204A306 3,684,585 24,544 SH SOLE 0 0 24,544
VANGUARD WORLD FD FINANCIALS ETF 92204A405 5,210,671 39,595 SH SOLE 0 0 39,595
VANGUARD WORLD FD MATERIALS ETF 92204A801 3,841,003 16,788 SH SOLE 0 0 16,788
VANGUARD WORLD FD UTILITIES ETF 92204A876 694,423 3,548 SH SOLE 0 0 3,548
WASTE MGMT INC DEL COM 94106L109 314,707 1,412 SH SOLE 0 0 1,412