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
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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
JOHNSON & JOHNSON COM Stock 478160104 323,512 1,222 SH SOLE 959 0 263
VANGUARD MORNINGSTAR TOTAL STOCK MARKET ETF ETF 922908769 229,008 612 SH SOLE 611 0 0
COSTCO WHOLESALE CORPORATION COM Stock 22160K105 315,888 347 SH SOLE 347 0 0
GOLDMAN SACHS GROUP INC COM Stock 38141G104 272,809 303 SH SOLE 303 0 0
MARRIOTT INTL INC NEW CL A Stock 571903202 229,051 644 SH SOLE 544 0 100
INTEL CORP COM Stock 458140100 212,567 1,768 SH SOLE 1,768 0 0
ISHARES SILVER TRUST ETF 46428Q109 277,292 5,087 SH SOLE 0 0 5,087
STATE STREET SPDR S&P 500 ETF ETF 78462F103 261,440 343 SH SOLE 342 0 0
ISHARES 1-3 YEAR INTERNATIONAL TREASURY BOND ETF ETF 464288125 29,570,234 399,260 SH SOLE 229,460 0 169,800
AMPLIFY ENERGY CORP NEW COM Stock 03212B103 1,128,200 267,981 SH SOLE 46,672 0 221,309
PACER US CASH COWS 100 ETF ETF 69374H881 20,722,438 310,402 SH SOLE 165,625 0 144,777
VERIZON COMMUNICATIONS INC Stock 92343V104 6,867,198 149,710 SH SOLE 81,835 0 67,875
BP PLC ADR ADR 055622104 3,176,545 72,211 SH SOLE 15,251 0 56,959
HOME DEPOT INC COM Stock 437076102 310,094 1,090 SH SOLE 450 0 640
PACER US SMALL CAP CASH COWS ETF ETF 69374H857 3,744,199 70,274 SH SOLE 10,685 0 59,589
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 994,300 33,143 SH SOLE 33,143 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804 27,445,216 227,883 SH SOLE 145,968 0 81,914
ISHARES CORE MSCI INTERNATIONAL DEVELOPED MARKETS ETF ETF 46435G326 293,292 3,278 SH SOLE 3,277 0 0
ALPHABET INC CAP STK CL A Stock 02079K305 222,829 648 SH SOLE 0 0 647
MICROSOFT CORP COM Stock 594918104 364,029 710 SH SOLE 11 0 698
WARNER BROS DISCOVERY INC COM SER A Stock 934423104 56,591 13,163 SH SOLE 12,963 0 200
CVS HEALTH CORP COM Stock 126650100 2,748,421 32,074 SH SOLE 5,943 0 26,131
VANGUARD INTERMEDIATE-TERM TREASURY ETF ETF 92206C706 429,369 7,578 SH SOLE 6,828 0 750
VANGUARD SHORT-TERM TREASURY ETF ETF 92206C102 1,147,631 19,938 SH SOLE 17,563 0 2,375
ISHARES MSCI EMERGING MARKETS EX CHINA ETF ETF 46434G764 10,063,060 101,565 SH SOLE 76,030 0 25,535
NORFOLK SOUTHN CORP COM Stock 655844108 202,704 656 SH SOLE 115 0 541
VANGUARD FTSE EUROPE ETF ETF 922042874 67,702 67,702 SH SOLE 67,701 0 0
SCHWAB US TIPS ETF ETF 808524870 398,964 15,876 SH SOLE 12,924 0 2,952
WELLTOWER INC COM REIT 95040Q104 230,470 1,001 SH SOLE 281 0 720
VANGUARD S&P 500 ETF ETF 922908363 234,379 334 SH SOLE 319 0 15
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357 26,724,121 128,469 SH SOLE 73,864 0 54,605
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 404,084 4,053 SH SOLE 3,524 0 529
INVESCO CURRENCYSHARES EURO TRUST ETF 46138K103 272,039 2,602 SH SOLE 1,202 0 1,400
ELI LILLY & CO COM Stock 532457108 394,564 341 SH SOLE 341 0 0
ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473 8,646,848 53,794 SH SOLE 8,840 0 44,954
BILL HOLDINGS INC COM Stock 090043100 2,808,108 66,011 SH SOLE 36,517 0 29,494
MICRON TECHNOLOGY INC COM Stock 595112103 501,667 471 SH SOLE 456 0 15
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 3,491,874 7,013 SH SOLE 1,706 0 5,306
MATCH GROUP INC NEW COM Stock 57667L107 2,519,774 62,759 SH SOLE 11,408 0 51,351
VANGUARD MORNINGSTAR SMALL-CAP VALUE ETF ETF 922908611 14,253,554 61,696 SH SOLE 49,852 0 11,843
VISA INC COM CL A Stock 92826C839 243,985 679 SH SOLE 679 0 0
FRESHWORKS INC CLASS A COM Stock 358054104 3,177,906 248,468 SH SOLE 154,314 0 94,154
VANGUARD MORNINGSTAR VALUE ETF ETF 922908744 21,036,106 97,353 SH SOLE 56,606 0 40,747
META PLATFORMS INC CL A Stock 30303M102 5,294,539 7,301 SH SOLE 7,301 0 0
SERVICENOW INC COM Stock 81762P102 8,766,800 65,419 SH SOLE 36,922 0 28,497
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF ETF 46432F834 246,404 2,594 SH SOLE 2,594 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842 230,865 2,383 SH SOLE 2,383 0 0
NVIDIA CORPORATION COM Stock 67066G104 386,359 1,692 SH SOLE 901 0 790
ABBVIE INC COM Stock 00287Y109 241,709 924 SH SOLE 724 0 200
VANGUARD TOTAL BOND MARKET ETF ETF 921937835 207,644 2,960 SH SOLE 2,960 0 0
ADVANCED MICRO DEVICES INC COM Stock 007903107 425,173 695 SH SOLE 665 0 30
AT&T INC Stock 00206R102 7,326,704 474,267 SH SOLE 334,307 0 139,960
VANGUARD INTERMEDIATE-TERM BOND ETF ETF 921937819 514,477 7,061 SH SOLE 7,061 0 0
SIRIUSXM HOLDINGS INC COMMON STOCK Stock 829933100 2,115,224 81,732 SH SOLE 10,487 0 71,245
ISHARES S&P 500 VALUE ETF ETF 464287408 202,021 179,293 SH SOLE 179,192 0 100
ISHARES S&P 500 GROWTH ETF ETF 464287309 210,897 210,897 SH SOLE 210,897 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 683,138 892 SH SOLE 892 0 0
VANGUARD MORNINGSTAR MID-CAP VALUE ETF ETF 922908512 14,012,853 71,666 SH SOLE 64,552 0 7,114
JPMORGAN CHASE & CO COM Stock 46625H100 516,426 1,561 SH SOLE 1,561 0 0
CHEVRON CORPORATION COM Stock 166764100 409,055 2,003 SH SOLE 1,690 0 313
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 51,882,368 734,774 SH SOLE 436,182 0 298,591
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 456,233 70,160 SH SOLE 64,110 0 6,049
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406 227,834 1,468 SH SOLE 1,468 0 0
PFIZER INC COM Stock 717081103 2,768,779 97,082 SH SOLE 18,568 0 78,514
ALPHABET INC CAP STK CL C Stock 02079K107 847,023 2,486 SH SOLE 1,688 0 797
VANGUARD UTILITIES ETF ETF 92204A876 3,418,803 19,993 SH SOLE 19,993 0 0
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879 248,514 1,940 SH SOLE 1,170 0 770
WISDOMTREE EMERGING MARKETS SMALLCAP DIVIDEND FUND ETF 97717W281 4,258,079 67,396 SH SOLE 10,867 0 56,529
WORKIVA INC COM CL A Stock 98139A105 240,118 3,607 SH SOLE 3,607 0 0
VANGUARD MORNINGSTAR MEGA CAP GROWTH ETF ETF 921910816 202,718 2,188 SH SOLE 2,188 0 0
EXXONMOBIL HOLDINGS CORP COM SHS Stock 30233Q108 468,728 2,880 SH SOLE 1,716 0 1,164
UNITEDHEALTH GROUP INC COM Stock 91324P102 274,176 747 SH SOLE 746 0 0
SPROTT PHYSICAL GOLD & SILVER TRUST CEF 85208R101 232,333 5,593 SH SOLE 1,104 0 4,489
ISHARES MSCI INTL QUALITY FACTOR ETF ETF 46434V456 18,710,080 378,211 SH SOLE 222,455 0 155,755
VODAFONE GROUP PLC SPONSORED ADR ADR 92857W308 7,160,119 443,351 SH SOLE 75,229 0 368,122
STATE STREET UTILITIES SELECT SECTOR SPDR ETF ETF 81369Y886 7,602,533 192,762 SH SOLE 75,913 0 116,849
ISHARES CORE S&P MID-CAP ETF ETF 464287507 11,596,253 161,171 SH SOLE 136,262 0 24,909
APPLE INC COM Stock 037833100 775,977 2,330 SH SOLE 135 0 2,195