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
ABBVIE INC COM 00287Y109 345,306 1,372 SH SOLE 1,372 0 0
ABRDN ETFS BBRG ALL COMD K1 003261104 20,870,410 934,217 SH SOLE 934,217 0 0
ACUSHNET HLDGS CORP COM 005098108 219,992 1,856 SH SOLE 1,856 0 0
ADVANCED MICRO DEVICES INC COM 007903107 370,621 638 SH SOLE 638 0 0
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106 229,036 6,503 SH SOLE 6,503 0 0
ALPHABET INC CAP STK CL A 02079K305 868,809 2,431 SH SOLE 2,431 0 0
ALPHABET INC CAP STK CL C 02079K107 343,437 972 SH SOLE 972 0 0
ALPS ETF TR ALERIAN MLP 00162Q452 3,860,477 74,455 SH SOLE 74,455 0 0
ALTRIA GROUP INC COM 02209S103 210,182 2,921 SH SOLE 2,921 0 0
AMAZON COM INC COM 023135106 828,782 3,477 SH SOLE 3,477 0 0
APPLE INC COM 037833100 3,767,277 13,019 SH SOLE 13,019 0 0
BANK OF AMER CORP COM 060505104 406,552 7,135 SH SOLE 7,135 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 3,744,250 5 SH SOLE 5 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 585,433 1,170 SH SOLE 1,170 0 0
BLACKSTONE INC COM 09260D107 523,161 4,446 SH SOLE 4,446 0 0
BROADCOM INC COM 11135F101 726,301 1,923 SH SOLE 1,923 0 0
CATERPILLAR INC COM 149123101 277,939 261 SH SOLE 261 0 0
CHEVRON CORPORATION COM 166764100 277,592 1,675 SH SOLE 1,675 0 0
CIENA CORP COM NEW 171779309 302,185 616 SH SOLE 616 0 0
CISCO SYS INC COM 17275R102 334,761 2,850 SH SOLE 2,850 0 0
CONSOLIDATED EDISON INC COM 209115104 228,562 2,066 SH SOLE 2,066 0 0
CORNING INC COM 219350105 545,854 2,137 SH SOLE 2,137 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 248,866 266 SH SOLE 266 0 0
DEUTSCHE BK AG NAMEN AKT D18190898 2,484,702 73,599 SH SOLE 73,599 0 0
DIREXION SHARES ETF TRUST DAI MAR BUL ETF 25490K281 598,488 6,730 SH SOLE 6,730 0 0
DYCOM INDS INC COM 267475101 314,477 622 SH SOLE 622 0 0
ELI LILLY & CO COM 532457108 389,074 324 SH SOLE 324 0 0
EXXON MOBIL CORP COM 30231G102 1,045,908 7,650 SH SOLE 7,650 0 0
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 9,563,696 326,406 SH SOLE 326,406 0 0
FIRST TR EXCHANGE-TRADED FD NASDAQ-100 SEL 337344105 271,320 1,700 SH SOLE 1,700 0 0
GLOBAL X FDS GLB X MLP ENRG I 37954Y293 30,980,791 420,592 SH SOLE 420,592 0 0
HOME DEPOT INC COM 437076102 529,180 1,500 SH SOLE 1,500 0 0
INTEL CORP COM 458140100 363,597 2,604 SH SOLE 2,604 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 303,707 1,080 SH SOLE 1,080 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 470,878 639 SH SOLE 639 0 0
ISHARES TR CORE MSCI EAFE 46432F842 358,472 3,712 SH SOLE 3,712 0 0
ISHARES TR GLOBAL REIT ETF 46434V647 2,094,303 75,826 SH SOLE 75,826 0 0
ISHARES TR INTL DEV RE ETF 464288489 1,732,916 77,709 SH SOLE 77,709 0 0
ISHARES TR S&P 100 ETF 464287101 329,283 900 SH SOLE 900 0 0
ISHARES TR U.S. FINLS ETF 464287788 255,020 2,000 SH SOLE 2,000 0 0
JOHNSON & JOHNSON COM 478160104 286,105 1,127 SH SOLE 1,127 0 0
JPMORGAN CHASE & CO COM 46625H100 1,086,596 3,320 SH SOLE 3,320 0 0
KKR & CO INC COM 48251W104 466,242 5,080 SH SOLE 5,080 0 0
KLA CORP COM NEW 482480100 241,368 800 SH SOLE 800 0 0
MCKESSON CORP COM 58155Q103 536,476 710 SH SOLE 710 0 0
MERCK & CO INC COM 58933Y105 1,641,607 12,775 SH SOLE 12,775 0 0
META PLATFORMS INC CL A 30303M102 596,124 1,058 SH SOLE 1,058 0 0
MICRON TECHNOLOGY INC COM 595112103 1,287,033 1,115 SH SOLE 1,115 0 0
MICROSOFT CORP COM 594918104 651,848 1,747 SH SOLE 1,747 0 0
MORGAN STANLEY COM NEW 617446448 793,725 3,797 SH SOLE 3,797 0 0
NETFLIX INC. COM 64110L106 392,414 5,496 SH SOLE 5,496 0 0
NVIDIA CORPORATION COM 67066G104 3,653,714 18,260 SH SOLE 18,260 0 0
PHILIP MORRIS INTL INC COM 718172109 585,408 3,236 SH SOLE 3,236 0 0
PRIMERICA INC COM 74164M108 204,624 720 SH SOLE 720 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 7,832,589 216,012 SH SOLE 216,012 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 43,497,373 1,570,302 SH SOLE 1,570,302 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 311,248 6,468 SH SOLE 6,468 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 19,650,471 580,688 SH SOLE 580,688 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 19,512,301 560,537 SH SOLE 560,537 0 0
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 531,100 10,000 SH SOLE 10,000 0 0
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 379,390 1,991 SH SOLE 1,991 0 0
SERVICENOW INC COM 81762P102 435,839 4,390 SH SOLE 4,390 0 0
SIMPSON MFG INC COM 829073105 241,381 1,153 SH SOLE 1,153 0 0
SPDR GOLD TR GOLD SHS 78463V107 215,337 585 SH SOLE 585 0 0
SPDR SERIES TRUST ST STR SP DIV 78464A763 462,402 3,039 SH SOLE 3,039 0 0
SPDR SERIES TRUST ST STR SP400GRW 78464A821 1,430,478 12,762 SH SOLE 12,762 0 0
SPDR SERIES TRUST ST STR SP400VAL 78464A839 2,093,067 22,067 SH SOLE 22,067 0 0
SPDR SERIES TRUST ST STR SP600GRWO 78464A201 1,438,345 12,074 SH SOLE 12,074 0 0
SPDR SERIES TRUST ST STR SP600SM C 78464A300 2,315,194 21,219 SH SOLE 21,219 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,755,714 2,351 SH SOLE 2,351 0 0
TESLA INC COM 88160R101 421,054 1,001 SH SOLE 1,001 0 0
UNION PAC CORP COM 907818108 240,176 883 SH SOLE 883 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 17,331,387 201,200 SH SOLE 201,200 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 15,931,489 52,013 SH SOLE 52,013 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 15,299,251 77,425 SH SOLE 77,425 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,459,270 46,244 SH SOLE 46,244 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 690,109 1,005 SH SOLE 1,005 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 15,683,713 64,545 SH SOLE 64,545 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 17,069,784 46,677 SH SOLE 46,677 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 652,103 1,762 SH SOLE 1,762 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 15,769,549 72,361 SH SOLE 72,361 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 25,324,928 424,274 SH SOLE 424,274 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,037,001 13,202 SH SOLE 13,202 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 10,655,200 237,574 SH SOLE 237,574 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 24,898,126 349,447 SH SOLE 349,447 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 610,030 5,104 SH SOLE 5,104 0 0
WATTS WATER TECHNOLOGIES INC CL A 942749102 245,048 626 SH SOLE 626 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303 992,750 12,500 SH SOLE 12,500 0 0