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 443,964 3,057 SH SOLE 0 0 3,057
ABBOTT LABORATORIES COM 002824100 4,456,848 43,409 SH SOLE 0 0 43,409
ABBVIE INC COM 00287Y109 6,048,045 27,808 SH SOLE 0 0 27,808
ALPHABET INC CAP STK CL C 02079K107 3,337,714 11,635 SH SOLE 0 0 11,635
AMAZON COM INC COM 023135106 3,143,211 15,092 SH SOLE 0 0 15,092
AMERICAN TOWER CORP COM 03027X100 4,986,009 28,891 SH SOLE 0 0 28,891
AMGEN INC COM 031162100 6,066,750 17,242 SH SOLE 0 0 17,242
APPLE INC COM 037833100 6,166,746 24,299 SH SOLE 0 0 24,299
ASTRAZENECA PLC ORD G0593M107 6,542,379 33,173 SH SOLE 0 0 33,173
AUTOMATIC DATA PROCESSING IN COM 053015103 4,281,618 21,073 SH SOLE 0 0 21,073
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 5,011,474 10,458 SH SOLE 0 0 10,458
BLUEROCK PVT REAL ESTATE FD COM 09631P102 3,652,257 219,883 SH SOLE 0 0 219,883
BROADCOM INC COM 11135F101 5,529,487 17,865 SH SOLE 0 0 17,865
CHEVRON CORPORATION COM 166764100 6,831,793 33,020 SH SOLE 0 0 33,020
CION INVT CORP COM 17259U204 978,953 143,122 SH SOLE 0 0 143,122
CITIGROUP INC COM NEW 172967424 6,142,954 54,166 SH SOLE 0 0 54,166
CONOCOPHILLIPS COM 20825C104 10,536,357 79,821 SH SOLE 0 0 79,821
CURTISS WRIGHT CORP COM 231561101 272,448 400 SH SOLE 0 0 400
DEXCOM INC COM 252131107 3,333,298 53,078 SH SOLE 0 0 53,078
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 5,683,274 79,900 SH SOLE 0 0 79,900
DUKE ENERGY CORP NEW COM NEW 26441C204 5,676,725 43,354 SH SOLE 0 0 43,354
EDISON INTL COM 281020107 276,895 3,784 SH SOLE 0 0 3,784
ELEVANCE HEALTH INC FORMERLY COM 036752103 3,810,634 13,017 SH SOLE 0 0 13,017
ETFS GOLD TR PHYSCL GOLD SHS 00326A104 327,912 7,349 SH SOLE 0 0 7,349
EXXON MOBIL CORP COM 30231G102 9,996,015 58,918 SH SOLE 0 0 58,918
FRANCO NEV CORP COM 351858105 282,378 1,143 SH SOLE 0 0 1,143
GENERAL DYNAMICS CORP COM 369550108 3,265,705 9,515 SH SOLE 0 0 9,515
GENUINE PARTS CO COM 372460105 4,434,822 41,937 SH SOLE 0 0 41,937
INTERNATIONAL PAPER CO COM 460146103 4,573,926 128,121 SH SOLE 0 0 128,121
INTUIT COM 461202103 2,942,000 6,804 SH SOLE 0 0 6,804
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 3,388,553 5,871 SH SOLE 0 0 5,871
IQVIA HLDGS INC COM 46266C105 3,802,530 22,297 SH SOLE 0 0 22,297
ISHARES GOLD TR ISHARES NEW 464285204 377,237 4,279 SH SOLE 0 0 4,279
ISHARES TR S&P MC 400GR ETF 464287606 223,136,623 2,217,617 SH SOLE 0 0 2,217,617
ISHARES TR SP SMCP600VL ETF 464287879 225,814,501 1,906,412 SH SOLE 0 0 1,906,412
ISHARES TR S&P 500 GRWT ETF 464287309 3,047,858 26,946 SH SOLE 0 0 26,946
ISHARES TR RUSSELL 2000 ETF 464287655 224,306,328 904,461 SH SOLE 0 0 904,461
ISHARES TR U.S. BAS MTL ETF 464287838 683,547 3,886 SH SOLE 0 0 3,886
ISHARES TR US TELECOM ETF 464287713 228,594 5,814 SH SOLE 0 0 5,814
ISHARES TR 7-10 YR TRSY BD 464287440 14,084,272 147,572 SH SOLE 0 0 147,572
ISHARES TR IBOXX INV CP ETF 464287242 1,335,245 12,251 SH SOLE 0 0 12,251
ISHARES TR MSCI EMG MKT ETF 464287234 3,376,267 59,452 SH SOLE 0 0 59,452
ISHARES TR IBOXX HI YD ETF 464288513 1,341,076 16,856 SH SOLE 0 0 16,856
ISHARES TR ISHS 1-5YR INVS 464288646 5,657,742 107,643 SH SOLE 0 0 107,643
ISHARES TR 0-3 MTH TREASURY 46436E718 1,131,842 11,244 SH SOLE 0 0 11,244
JPMORGAN CHASE & CO COM 46625H100 6,005,795 20,417 SH SOLE 0 0 20,417
KIMBERLY-CLARK CORP COM 494368103 5,070,515 52,561 SH SOLE 0 0 52,561
LIGHTPATH TECHNOLOGIES INC COM CL A 532257805 110,761 11,043 SH SOLE 0 0 11,043
MARVELL TECHNOLOGY INC COM 573874104 331,850 3,350 SH SOLE 0 0 3,350
MASTERCARD INCORPORATED CL A 57636Q104 2,819,151 5,642 SH SOLE 0 0 5,642
MCDONALDS CORP COM 580135101 5,282,020 16,995 SH SOLE 0 0 16,995
MERCK & CO INC COM 58933Y105 6,817,503 56,676 SH SOLE 0 0 56,676
META PLATFORMS INC CL A 30303M102 3,570,672 6,241 SH SOLE 0 0 6,241
METLIFE INC COM 59156R108 4,746,705 67,120 SH SOLE 0 0 67,120
MICROSOFT CORP COM 594918104 8,032,075 21,698 SH SOLE 0 0 21,698
MSC INCOME FUND INC COM 55374X208 171,409 14,073 SH SOLE 0 0 14,073
NVIDIA CORPORATION COM 67066G104 3,914,060 22,443 SH SOLE 0 0 22,443
OMNICOM GROUP INC COM 681919106 5,049,343 67,047 SH SOLE 0 0 67,047
PALANTIR TECHNOLOGIES INC CL A 69608A108 1,769,549 12,097 SH SOLE 0 0 12,097
PALO ALTO NETWORKS INC COM 697435105 3,464,034 21,607 SH SOLE 0 0 21,607
PEPSICO INC COM 713448108 5,758,369 37,081 SH SOLE 0 0 37,081
PHILLIPS 66 COM 718546104 7,354,798 40,371 SH SOLE 0 0 40,371
PROCTER & GAMBLE CO COM 742718109 5,025,240 34,791 SH SOLE 0 0 34,791
QUALCOMM INC COM 747525103 7,002,198 54,373 SH SOLE 0 0 54,373
ROIVANT SCIENCES LTD SHS G76279101 207,972 7,508 SH SOLE 0 0 7,508
ROYAL GOLD INC COM 780287108 459,863 1,807 SH SOLE 0 0 1,807
RTX CORPORATION COM 75513E101 615,560 3,191 SH SOLE 0 0 3,191
SALESFORCE INC COM 79466L302 3,227,898 17,292 SH SOLE 0 0 17,292
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 5,962,128 237,535 SH SOLE 0 0 237,535
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 28,163,062 1,137,902 SH SOLE 0 0 1,137,902
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 33,572,232 1,309,369 SH SOLE 0 0 1,309,369
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,985,975 151,319 SH SOLE 0 0 151,319
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 2,716,462 111,927 SH SOLE 0 0 111,927
SCHWAB STRATEGIC TR US TIPS ETF 808524870 922,017 34,649 SH SOLE 0 0 34,649
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 304,925 9,849 SH SOLE 0 0 9,849
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 6,372,972 207,724 SH SOLE 0 0 207,724
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 35,231,693 575,117 SH SOLE 0 0 575,117
SELECT SECTOR SPDR TR ST STR REAL ETF 81369Y860 4,133,407 101,235 SH SOLE 0 0 101,235
SLB LIMITED COM STK 806857108 357,983 6,966 SH SOLE 0 0 6,966
SOUTHERN CO COM 842587107 5,639,784 58,431 SH SOLE 0 0 58,431
SPDR GOLD TR GOLD SHS 78463V107 92,725,344 215,495 SH SOLE 0 0 215,495
SPDR SERIES TRUST ST STR P400MID 78464A847 5,710,762 96,433 SH SOLE 0 0 96,433
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 232,819 2,541 SH SOLE 0 0 2,541
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 20,722,985 31,865 SH SOLE 0 0 31,865
SURF AIR MOBILITY INC COM NEW 868927203 34,890 30,339 SH SOLE 0 0 30,339
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 4,672,497 13,826 SH SOLE 0 0 13,826
TESLA INC COM 88160R101 565,432 1,521 SH SOLE 0 0 1,521
TEXAS INSTRS INC COM 882508104 5,511,184 28,388 SH SOLE 0 0 28,388
UNILEVER PLC SPON ADR NEW 904767803 4,511,682 79,194 SH SOLE 0 0 79,194
VANGUARD BD INDEX FDS INTERMED TERM 921937819 38,304,661 496,303 SH SOLE 0 0 496,303
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 31,141,312 422,886 SH SOLE 0 0 422,886
VANGUARD INDEX FDS TOTAL STK MKT 922908769 796,610 2,483 SH SOLE 0 0 2,483
VEEVA SYS INC CL A COM 922475108 3,345,972 19,048 SH SOLE 0 0 19,048
VERIZON COMMUNICATIONS INC COM 92343V104 6,554,005 130,558 SH SOLE 0 0 130,558
WALMART INC COM 931142103 586,348 4,718 SH SOLE 0 0 4,718
WASTE MGMT INC DEL COM 94106L109 5,628,483 24,494 SH SOLE 0 0 24,494