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 460,566 3,171 SH SOLE 0 0 3,171
ABBOTT LABORATORIES COM 002824100 4,627,873 45,075 SH SOLE 0 0 45,075
ABBVIE INC COM 00287Y109 6,301,590 28,974 SH SOLE 0 0 28,974
ALPHABET INC CAP STK CL A 02079K305 623,519 2,168 SH SOLE 0 0 2,168
ALPHABET INC CAP STK CL C 02079K107 3,475,977 12,117 SH SOLE 0 0 12,117
ALTRIA GROUP INC COM 02209S103 229,914 3,484 SH SOLE 0 0 3,484
AMAZON COM INC COM 023135106 4,558,197 21,886 SH SOLE 0 0 21,886
AMERICAN TOWER CORP COM 03027X100 5,158,416 29,890 SH SOLE 0 0 29,890
AMGEN INC COM 031162100 6,252,123 17,769 SH SOLE 0 0 17,769
APPLE INC COM 037833100 7,116,177 28,040 SH SOLE 0 0 28,040
ASTRAZENECA PLC ORD G0593M107 6,755,377 34,253 SH SOLE 0 0 34,253
AUTOMATIC DATA PROCESSING IN COM 053015103 4,392,615 21,619 SH SOLE 0 0 21,619
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 5,131,274 10,708 SH SOLE 0 0 10,708
BLUEROCK PVT REAL ESTATE FD COM 09631P102 3,785,020 227,876 SH SOLE 0 0 227,876
BROADCOM INC COM 11135F101 5,877,000 18,988 SH SOLE 0 0 18,988
CHEVRON CORPORATION COM 166764100 7,237,126 34,979 SH SOLE 0 0 34,979
CION INVT CORP COM 17259U204 1,115,158 163,035 SH SOLE 0 0 163,035
CITIGROUP INC COM NEW 172967424 6,270,565 55,291 SH SOLE 0 0 55,291
CONOCOPHILLIPS COM 20825C104 10,764,391 81,548 SH SOLE 0 0 81,548
CURTISS WRIGHT CORP COM 231561101 272,448 400 SH SOLE 0 0 400
DEXCOM INC COM 252131107 3,330,724 53,037 SH SOLE 0 0 53,037
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 6,180,389 86,889 SH SOLE 0 0 86,889
DUKE ENERGY CORP NEW COM NEW 26441C204 5,983,124 45,694 SH SOLE 0 0 45,694
EDISON INTL COM 281020107 336,250 4,595 SH SOLE 0 0 4,595
ELEVANCE HEALTH INC FORMERLY COM 036752103 3,803,608 12,993 SH SOLE 0 0 12,993
ETFS GOLD TR PHYSCL GOLD SHS 00326A104 481,718 10,796 SH SOLE 0 0 10,796
EXXON MOBIL CORP COM 30231G102 10,453,415 61,614 SH SOLE 0 0 61,614
FRANCO NEV CORP COM 351858105 282,378 1,143 SH SOLE 0 0 1,143
GENERAL DYNAMICS CORP COM 369550108 3,266,734 9,518 SH SOLE 0 0 9,518
GENUINE PARTS CO COM 372460105 4,564,918 43,167 SH SOLE 0 0 43,167
INTERNATIONAL BUSINESS MACHS COM 459200101 239,358 987 SH SOLE 0 0 987
INTERNATIONAL PAPER CO COM 460146103 4,724,108 132,328 SH SOLE 0 0 132,328
INTUIT COM 461202103 2,965,349 6,858 SH SOLE 0 0 6,858
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 209,985 2,871 SH SOLE 0 0 2,871
INVESCO QQQ TR UNIT SER 1 46090E103 3,336,751 5,781 SH SOLE 0 0 5,781
IQVIA HLDGS INC COM 46266C105 3,798,096 22,271 SH SOLE 0 0 22,271
ISHARES GOLD TR ISHARES NEW 464285204 423,256 4,801 SH SOLE 0 0 4,801
ISHARES INC MSCI EURZONE ETF 464286608 321,782 5,137 SH SOLE 0 0 5,137
ISHARES TR 7-10 YR TRSY BD 464287440 14,454,197 151,448 SH SOLE 0 0 151,448
ISHARES TR U.S. BAS MTL ETF 464287838 398,811 2,267 SH SOLE 0 0 2,267
ISHARES TR SP SMCP600VL ETF 464287879 187,139,037 1,579,899 SH SOLE 0 0 1,579,899
ISHARES TR IBOXX INV CP ETF 464287242 1,320,087 12,112 SH SOLE 0 0 12,112
ISHARES TR IBOXX HI YD ETF 464288513 1,452,845 18,261 SH SOLE 0 0 18,261
ISHARES TR S&P 500 GRWT ETF 464287309 2,977,709 26,326 SH SOLE 0 0 26,326
ISHARES TR S&P MC 400GR ETF 464287606 184,662,151 1,835,243 SH SOLE 0 0 1,835,243
ISHARES TR RUS MID CAP ETF 464287499 292,371 3,007 SH SOLE 0 0 3,007
ISHARES TR MSCI EMG MKT ETF 464287234 3,217,141 56,650 SH SOLE 0 0 56,650
ISHARES TR RUSSELL 2000 ETF 464287655 186,358,360 751,445 SH SOLE 0 0 751,445
ISHARES TR ISHS 1-5YR INVS 464288646 5,728,435 108,988 SH SOLE 0 0 108,988
ISHARES TR MSCI EAFE ETF 464287465 239,231 2,463 SH SOLE 0 0 2,463
JPMORGAN CHASE & CO COM 46625H100 6,331,393 21,524 SH SOLE 0 0 21,524
KIMBERLY-CLARK CORP COM 494368103 5,223,047 54,142 SH SOLE 0 0 54,142
MASTERCARD INCORPORATED CL A 57636Q104 2,910,089 5,824 SH SOLE 0 0 5,824
MCDONALDS CORP COM 580135101 5,492,562 17,673 SH SOLE 0 0 17,673
MERCK & CO INC COM 58933Y105 7,164,972 59,564 SH SOLE 0 0 59,564
META PLATFORMS INC CL A 30303M102 3,673,083 6,420 SH SOLE 0 0 6,420
METLIFE INC COM 59156R108 4,968,073 70,250 SH SOLE 0 0 70,250
MICROSOFT CORP COM 594918104 8,673,724 23,432 SH SOLE 0 0 23,432
MSC INCOME FUND INC COM 55374X208 171,409 14,073 SH SOLE 0 0 14,073
NVIDIA CORPORATION COM 67066G104 4,302,798 24,672 SH SOLE 0 0 24,672
OMNICOM GROUP INC COM 681919106 5,250,340 69,716 SH SOLE 0 0 69,716
PALANTIR TECHNOLOGIES INC CL A 69608A108 208,156 1,423 SH SOLE 0 0 1,423
PALO ALTO NETWORKS INC COM 697435105 3,468,203 21,633 SH SOLE 0 0 21,633
PEPSICO INC COM 713448108 5,983,168 38,529 SH SOLE 0 0 38,529
PHILIP MORRIS INTL INC COM 718172109 243,877 1,475 SH SOLE 0 0 1,475
PHILLIPS 66 COM 718546104 7,593,462 41,681 SH SOLE 0 0 41,681
PROCTER & GAMBLE CO COM 742718109 5,159,185 35,719 SH SOLE 0 0 35,719
QUALCOMM INC COM 747525103 7,151,143 55,530 SH SOLE 0 0 55,530
ROYAL GOLD INC COM 780287108 451,974 1,776 SH SOLE 0 0 1,776
RTX CORPORATION COM 75513E101 849,429 4,403 SH SOLE 0 0 4,403
SALESFORCE INC COM 79466L302 3,246,378 17,391 SH SOLE 0 0 17,391
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 5,372,485 163,050 SH SOLE 0 0 163,050
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 6,746,187 268,772 SH SOLE 0 0 268,772
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 275,686 9,464 SH SOLE 0 0 9,464
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 30,717,807 1,241,123 SH SOLE 0 0 1,241,123
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 7,231,961 235,722 SH SOLE 0 0 235,722
SCHWAB STRATEGIC TR US TIPS ETF 808524870 975,743 36,668 SH SOLE 0 0 36,668
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 36,435,997 1,421,061 SH SOLE 0 0 1,421,061
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 2,884,239 118,840 SH SOLE 0 0 118,840
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 655,775 21,181 SH SOLE 0 0 21,181
SELECT SECTOR SPDR TR STATE STREET REA 81369Y860 4,461,462 109,269 SH SOLE 0 0 109,269
SELECT SECTOR SPDR TR STATE STREET ENE 81369Y506 27,842,063 454,490 SH SOLE 0 0 454,490
SLB LIMITED COM STK 806857108 365,897 7,120 SH SOLE 0 0 7,120
SOUTHERN CO COM 842587107 6,018,554 62,356 SH SOLE 0 0 62,356
SPDR GOLD TR GOLD SHS 78463V107 79,699,605 185,223 SH SOLE 0 0 185,223
SPDR SERIES TRUST STATE STREET SPD 78464A847 6,080,236 102,672 SH SOLE 0 0 102,672
SPDR SERIES TRUST STATE STREET SPD 78468R663 1,321,266 14,418 SH SOLE 0 0 14,418
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 21,410,270 32,922 SH SOLE 0 0 32,922
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 4,703,250 13,917 SH SOLE 0 0 13,917
TESLA INC COM 88160R101 831,605 2,237 SH SOLE 0 0 2,237
TEXAS INSTRS INC COM 882508104 5,684,229 29,279 SH SOLE 0 0 29,279
TRANE TECHNOLOGIES PLC SHS G8994E103 207,953 499 SH SOLE 0 0 499
UNILEVER PLC SPON ADR NEW 904767803 4,649,151 81,607 SH SOLE 0 0 81,607
UNITED PARCEL SVCS INC CL B 911312106 200,646 2,039 SH SOLE 0 0 2,039
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 29,965,810 406,923 SH SOLE 0 0 406,923
VANGUARD BD INDEX FDS INTERMED TERM 921937819 39,759,969 515,159 SH SOLE 0 0 515,159
VANGUARD INDEX FDS TOTAL STK MKT 922908769 844,405 2,632 SH SOLE 0 0 2,632
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 352,929 4,265 SH SOLE 0 0 4,265
VEEVA SYS INC CL A COM 922475108 3,346,147 19,049 SH SOLE 0 0 19,049
VERIZON COMMUNICATIONS INC COM 92343V104 6,868,897 136,831 SH SOLE 0 0 136,831
WALMART INC COM 931142103 697,215 5,610 SH SOLE 0 0 5,610
WASTE MGMT INC DEL COM 94106L109 5,792,487 25,208 SH SOLE 0 0 25,208
ZIONS BANCORPORATION NATL AS COM 989701107 232,183 4,030 SH SOLE 0 0 4,030