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
ABBVIE INC COM Common Stock 00287Y109 290 1,153 SH SOLE 0 0 1,153
ABRDN PHYSICAL GOLD SHARES Exchange Traded Fund 00326A104 1,529 40,001 SH SOLE 0 0 40,001
AMAZON COM INC COM Common Stock 023135106 750 3,147 SH SOLE 0 0 3,147
BROADCOM INC COM Common Stock 11135F101 228 605 SH SOLE 0 0 605
COSTCO WHOLESALE CORPORATION COM Common Stock 22160K105 468 501 SH SOLE 0 0 501
ENBRIDGE INC COM Common Stock 29250N105 338 6,253 SH SOLE 0 0 6,253
EXXONMOBIL HOLDINGS CORP COM SHS Common Stock 30233Q108 228 1,668 SH SOLE 0 0 1,668
FIDELITY HIGH DIV Exchange Traded Fund 316092840 1,058 17,550 SH SOLE 0 0 17,550
FIDELITY MSCI UTILITIES IDX Exchange Traded Fund 316092865 927 15,884 SH SOLE 0 0 15,884
INTL BUSINESS MACHS COM Common Stock 459200101 378 1,346 SH SOLE 0 0 1,346
INVESCO QQQ TRUST SERIES I Exchange Traded Fund 46090E103 2,419 3,285 SH SOLE 0 0 3,285
INVESCO SP 500 HIGH DIV LOW VOLATILITY Exchange Traded Fund 46138E362 1,369 26,930 SH SOLE 0 0 26,930
INVESCO SP ULTRA DIV REVENUE Exchange Traded Fund 46138G656 309 5,336 SH SOLE 0 0 5,336
ISHARES CORE SP 500 Exchange Traded Fund 464287200 1,453 1,941 SH SOLE 0 0 1,941
ISHARES CORE U.S. AGG BND Exchange Traded Fund 464287226 282 2,850 SH SOLE 0 0 2,850
ISHARES TR ISHARES SEMICDTR Exchange Traded Fund 464287523 243 380 SH SOLE 0 0 380
ISHARES RUSSELL 2000 VALUE Exchange Traded Fund 464287630 21,134 95,544 SH SOLE 0 0 95,544
ISHARES RUSSELL 2000 Exchange Traded Fund 464287655 1,008 3,357 SH SOLE 0 0 3,357
ISHARES INTL SEL DIV Exchange Traded Fund 464288448 1,443 34,845 SH SOLE 0 0 34,845
ISHARES CORE TOTAL USD BND MKT Exchange Traded Fund 46434V613 15,211 329,601 SH SOLE 0 0 329,601
ISHARES CORE DIV GROWTH Exchange Traded Fund 46434V621 1,372 18,106 SH SOLE 0 0 18,106
MICROSOFT CORP COM Common Stock 594918104 272 730 SH SOLE 0 0 730
PHILIP MORRIS INTL INC COM Common Stock 718172109 428 2,348 SH SOLE 0 0 2,348
PIMCO ENHANCED SHORT MATURITY ACTIVE ETF Exchange Traded Fund 72201R833 11,605 115,122 SH SOLE 0 0 115,122
STATE ST SPDR SP 500 Exchange Traded Fund 78462F103 562 751 SH SOLE 0 0 751
SPDR GOLD SHARES Exchange Traded Fund 78463V107 442 1,200 SH SOLE 0 0 1,200
STATE ST SPDR PORT SP 500 GROWTH Exchange Traded Fund 78464A409 12,044 101,219 SH SOLE 0 0 101,219
STATE ST SPDR PORT SP 500 HIGH DIV Exchange Traded Fund 78468R788 8,522 178,638 SH SOLE 0 0 178,638
STATE ST SPDR PORT SP 600 SMALL CAP Exchange Traded Fund 78468R853 487 8,454 SH SOLE 0 0 8,454
SCH U.S. LARGE-CAP GROWTH Exchange Traded Fund 808524300 14,727 435,197 SH SOLE 0 0 435,197
SCHAMENTAL INTL EQY Exchange Traded Fund 808524755 327 6,212 SH SOLE 0 0 6,212
SCH US DIV EQY Exchange Traded Fund 808524797 23,883 753,185 SH SOLE 0 0 753,185
SCH SHORT-TERM US TRSY Exchange Traded Fund 808524862 1,947 80,668 SH SOLE 0 0 80,668
STATE ST TECH SEL SECTR SPDR Exchange Traded Fund 81369Y803 20,484 107,517 SH SOLE 0 0 107,517
TESLA INC COM Common Stock 88160R101 341 811 SH SOLE 0 0 811
VNGRD DIV APP Exchange Traded Fund 921908844 436 1,843 SH SOLE 0 0 1,843
VNGRD SP 500 GROWTH Exchange Traded Fund 921932505 1,077 13,038 SH SOLE 0 0 13,038
VNGRD HIGH DIV YIELD IDX Exchange Traded Fund 921946406 2,681 16,965 SH SOLE 0 0 16,965
VNGRD TOTAL WORLD STOCK Exchange Traded Fund 922042742 999 6,369 SH SOLE 0 0 6,369
VNGRD CONS STAPLES Exchange Traded Fund 92204A207 208 924 SH SOLE 0 0 924
VNGRD ENERGY Exchange Traded Fund 92204A306 1,978 13,175 SH SOLE 0 0 13,175
VNGRD FINANCIALS Exchange Traded Fund 92204A405 540 4,107 SH SOLE 0 0 4,107
VNGRD HEALTH CARE Exchange Traded Fund 92204A504 787 2,635 SH SOLE 0 0 2,635
VNGRD SHORT-TERM TRSY Exchange Traded Fund 92206C102 10,796 185,512 SH SOLE 0 0 185,512
VNGRD SHORT-TERM CORP BND Exchange Traded Fund 92206C409 1,506 19,060 SH SOLE 0 0 19,060
VNGRD RUSSELL 1000 GROWTH Exchange Traded Fund 92206C680 24,454 191,337 SH SOLE 0 0 191,337
VNGRD SP 500 Exchange Traded Fund 922908363 1,081 1,575 SH SOLE 0 0 1,575
VNGRD MORN MID-CAP VALUE Exchange Traded Fund 922908512 2,556 12,936 SH SOLE 0 0 12,936
VNGRD REAL ESTATE Exchange Traded Fund 922908553 308 3,200 SH SOLE 0 0 3,200
VNGRD MORN SMALL-CAP VALUE Exchange Traded Fund 922908611 6,602 27,170 SH SOLE 0 0 27,170
VNGRD MORN GROWTH Exchange Traded Fund 922908736 1,059 12,297 SH SOLE 0 0 12,297
VNGRD MORN VALUE Exchange Traded Fund 922908744 25,241 115,821 SH SOLE 0 0 115,821
VNGRD MORN SMALL-CAP Exchange Traded Fund 922908751 9,602 31,678 SH SOLE 0 0 31,678
VNGRD MORN TOTAL STOCK MKT Exchange Traded Fund 922908769 6,741 18,218 SH SOLE 0 0 18,218
WALMART INC COM Common Stock 931142103 409 3,612 SH SOLE 0 0 3,612