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 478,163 2,913 SH SOLE 0 0 2,913
ABBOTT LABORATORIES COM 002824100 5,661,251 57,283 SH SOLE 0 0 57,283
ABBVIE INC COM 00287Y109 7,592,465 29,024 SH SOLE 0 0 29,024
ADVANCED MICRO DEVICES INC COM 007903107 1,073,639 1,755 SH SOLE 0 0 1,755
ALPHABET INC CAP STK CL C 02079K107 3,998,933 11,736 SH SOLE 0 0 11,736
AMAZON COM INC COM 023135106 3,845,029 15,433 SH SOLE 0 0 15,433
AMERICAN TOWER CORP COM 03027X100 5,111,711 31,228 SH SOLE 0 0 31,228
AMGEN INC COM 031162100 7,565,653 17,949 SH SOLE 0 0 17,949
APPLE INC COM 037833100 8,380,612 25,165 SH SOLE 0 0 25,165
ASTRAZENECA PLC ORD G0593M107 5,692,317 35,253 SH SOLE 0 0 35,253
AURORA INNOVATION INC CLASS A COM 051774107 86,130 15,547 SH SOLE 0 0 15,547
AUTOMATIC DATA PROCESSING IN COM 053015103 6,002,589 23,260 SH SOLE 0 0 23,260
AVANTOR INC COM 05352A100 587,100 39,010 SH SOLE 0 0 39,010
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 5,471,475 10,988 SH SOLE 0 0 10,988
BLUEROCK PVT REAL ESTATE FD COM 09631P102 1,391,062 110,930 SH SOLE 0 0 110,930
BROADCOM INC COM 11135F101 6,524,951 18,580 SH SOLE 0 0 18,580
CHEVRON CORPORATION COM 166764100 6,995,038 34,254 SH SOLE 0 0 34,254
CION INVT CORP COM 17259U204 306,492 43,660 SH SOLE 0 0 43,660
CITIGROUP INC COM NEW 172967424 6,988,944 53,977 SH SOLE 0 0 53,977
CONOCOPHILLIPS COM 20825C104 10,958,288 87,561 SH SOLE 0 0 87,561
CORCEPT THERAPEUTICS INC COM 218352102 233,456 2,026 SH SOLE 0 0 2,026
CROWDSTRIKE HLDGS INC CL A 22788C105 815,960 3,082 SH SOLE 0 0 3,082
CURTISS WRIGHT CORP COM 231561101 217,528 400 SH SOLE 0 0 400
DELL TECHNOLOGIES INC CL C 24703L202 1,214,046 2,257 SH SOLE 0 0 2,257
DEXCOM INC COM 252131107 4,464,386 51,737 SH SOLE 0 0 51,737
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 6,565,382 84,802 SH SOLE 0 0 84,802
DUKE ENERGY CORP NEW COM NEW 26441C204 5,294,328 46,437 SH SOLE 0 0 46,437
ELEVANCE HEALTH INC FORMERLY COM 036752103 4,848,258 12,469 SH SOLE 0 0 12,469
ETFS GOLD TR PHYSCL GOLD SHS 00326A104 203,932 5,155 SH SOLE 0 0 5,155
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 10,035,115 61,660 SH SOLE 0 0 61,660
FORTINET INC COM 34959E109 837,133 4,683 SH SOLE 0 0 4,683
FRANCO NEV CORP COM 351858105 272,160 1,143 SH SOLE 0 0 1,143
GENERAL DYNAMICS CORP COM 369550108 3,107,097 9,364 SH SOLE 0 0 9,364
GENUINE PARTS CO COM 372460105 6,001,302 47,728 SH SOLE 0 0 47,728
HEWLETT PACKARD ENTERPRISE C COM 42824C109 1,280,258 20,038 SH SOLE 0 0 20,038
HF SINCLAIR CORP COM 403949100 418,870 3,903 SH SOLE 0 0 3,903
IDAHO STRATEGIC RESOURCES COM NEW 645827205 280,000 10,000 SH SOLE 0 0 10,000
INTEL CORP COM 458140100 1,980,188 16,470 SH SOLE 0 0 16,470
INTERNATIONAL PAPER CO COM 460146103 5,260,599 158,595 SH SOLE 0 0 158,595
INTUIT COM 461202103 3,005,430 10,901 SH SOLE 0 0 10,901
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 202,434 2,871 SH SOLE 0 0 2,871
INVESCO QQQ TR UNIT SER 1 46090E103 11,864,611 16,038 SH SOLE 0 0 16,038
IQVIA HLDGS INC COM 46266C105 5,729,731 21,312 SH SOLE 0 0 21,312
IRIDIUM COMMUNICATIONS INC COM 46269C102 255,930 5,343 SH SOLE 0 0 5,343
ISHARES GOLD TR ISHARES NEW 464285204 214,150 2,742 SH SOLE 0 0 2,742
ISHARES INC CORE MSCI EMKT 46434G103 6,017,446 74,143 SH SOLE 0 0 74,143
ISHARES TR SP SMCP600VL ETF 464287879 6,362,086 49,665 SH SOLE 0 0 49,665
ISHARES TR S&P SML 600 GWT 464287887 5,949,205 37,106 SH SOLE 0 0 37,106
ISHARES TR S&P 500 VAL ETF 464287408 366,161 1,604 SH SOLE 0 0 1,604
ISHARES TR S&P 500 GRWT ETF 464287309 697,214 4,901 SH SOLE 0 0 4,901
ISHARES TR RUSSELL 2000 ETF 464287655 6,281,426 22,604 SH SOLE 0 0 22,604
ISHARES TR RUS MDCP VAL ETF 464287473 218,767 1,361 SH SOLE 0 0 1,361
ISHARES TR U.S. BAS MTL ETF 464287838 1,773,590 9,957 SH SOLE 0 0 9,957
ISHARES TR U.S. ENERGY ETF 464287796 1,813,817 27,991 SH SOLE 0 0 27,991
ISHARES TR US HLTHCARE ETF 464287762 261,480 3,654 SH SOLE 0 0 3,654
ISHARES TR U.S. TECH ETF 464287721 1,875,505 7,080 SH SOLE 0 0 7,080
ISHARES TR US TELECOM ETF 464287713 1,727,288 41,945 SH SOLE 0 0 41,945
ISHARES TR 7-10 YR TRSY BD 464287440 12,374,526 138,557 SH SOLE 0 0 138,557
ISHARES TR MSCI EMG MKT ETF 464287234 6,786,929 101,616 SH SOLE 0 0 101,616
ISHARES TR CORE S&P TTL STK 464287150 818,929 4,925 SH SOLE 0 0 4,925
ISHARES TR ISHS 1-5YR INVS 464288646 5,663,365 110,548 SH SOLE 0 0 110,548
ISHARES TR NATIONAL MUN ETF 464288414 911,214 9,013 SH SOLE 0 0 9,013
ISHARES TR CRE U S REIT ETF 464288521 4,389,361 71,279 SH SOLE 0 0 71,279
JPMORGAN CHASE & CO COM 46625H100 7,008,878 21,186 SH SOLE 0 0 21,186
KIMBERLY-CLARK CORP COM 494368103 5,497,090 56,421 SH SOLE 0 0 56,421
LIGHTPATH TECHNOLOGIES INC COM CL A 532257805 116,245 11,275 SH SOLE 0 0 11,275
MARVELL TECHNOLOGY INC COM 573874104 2,106,591 7,973 SH SOLE 0 0 7,973
MASTERCARD INCORPORATED CL A 57636Q104 3,073,988 5,574 SH SOLE 0 0 5,574
MCDONALDS CORP COM 580135101 4,974,156 21,539 SH SOLE 0 0 21,539
MERCK & CO INC COM 58933Y105 8,351,710 57,475 SH SOLE 0 0 57,475
META PLATFORMS INC CL A 30303M102 4,551,241 6,276 SH SOLE 0 0 6,276
METLIFE INC COM 59156R108 6,637,714 70,494 SH SOLE 0 0 70,494
MICRON TECHNOLOGY INC COM 595112103 1,883,900 1,769 SH SOLE 0 0 1,769
MICROSOFT CORP COM 594918104 11,521,672 22,464 SH SOLE 0 0 22,464
MODERNA INC COM 60770K107 1,170,826 6,080 SH SOLE 0 0 6,080
MSC INCOME FUND INC COM 55374X208 119,148 10,123 SH SOLE 0 0 10,123
NEBIUS GROUP N.V. SHS CLASS A N97284108 773,215 3,278 SH SOLE 0 0 3,278
NVIDIA CORPORATION COM 67066G104 5,174,981 22,660 SH SOLE 0 0 22,660
OMNICOM GROUP INC COM 681919106 5,348,630 72,642 SH SOLE 0 0 72,642
ORGANON & CO COMMON STOCK 68622V106 232,105 16,942 SH SOLE 0 0 16,942
PALANTIR TECHNOLOGIES INC CL A 69608A108 2,368,801 12,664 SH SOLE 0 0 12,664
PALO ALTO NETWORKS INC COM 697435105 5,614,388 14,131 SH SOLE 0 0 14,131
PBF ENERGY INC CL A 69318G106 883,039 11,474 SH SOLE 0 0 11,474
PEPSICO INC COM 713448108 5,107,365 40,304 SH SOLE 0 0 40,304
PHILLIPS 66 COM 718546104 8,701,391 34,082 SH SOLE 0 0 34,082
PROCTER & GAMBLE CO COM 742718109 5,548,942 38,195 SH SOLE 0 0 38,195
PROSHARES TR PSHS ULT S&P 500 74347R107 3,468,847 50,034 SH SOLE 0 0 50,034
QUALCOMM INC COM 747525103 9,980,966 54,233 SH SOLE 0 0 54,233
ROYAL GOLD INC COM 780287108 426,452 1,807 SH SOLE 0 0 1,807
RTX CORPORATION COM 75513E101 556,712 2,999 SH SOLE 0 0 2,999
SALESFORCE INC COM 79466L302 4,442,065 19,350 SH SOLE 0 0 19,350
SANDISK CORP COM 80004C200 1,891,260 1,087 SH SOLE 0 0 1,087
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 7,467,553 254,778 SH SOLE 0 0 254,778
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 34,761,029 1,265,418 SH SOLE 0 0 1,265,418
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 42,147,519 1,404,917 SH SOLE 0 0 1,404,917
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 275,996 7,572 SH SOLE 0 0 7,572
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 2,908,743 121,909 SH SOLE 0 0 121,909
SCHWAB STRATEGIC TR US TIPS ETF 808524870 874,621 34,804 SH SOLE 0 0 34,804
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 541,939 15,930 SH SOLE 0 0 15,930
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 7,204,764 221,481 SH SOLE 0 0 221,481
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 917,531 995 SH SOLE 0 0 995
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 42,082,312 684,265 SH SOLE 0 0 684,265
SLB LIMITED COM STK 806857108 220,300 4,522 SH SOLE 0 0 4,522
SOUTHERN CO COM 842587107 5,197,325 62,701 SH SOLE 0 0 62,701
SPACE EXPLORATION TECHN CORP CLASS A COM STK 84615Q103 971,856 6,442 SH SOLE 0 0 6,442
SPDR GOLD TR GOLD SHS 78463V107 1,790,710 4,702 SH SOLE 0 0 4,702
SPDR SERIES TRUST ST STR P400MID 78464A847 6,375,109 101,128 SH SOLE 0 0 101,128
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 283,039 3,089 SH SOLE 0 0 3,089
SPDR SERIES TRUST ST STR P500ETF 78464A854 239,569 2,669 SH SOLE 0 0 2,669
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 23,399,574 30,683 SH SOLE 0 0 30,683
SURF AIR MOBILITY INC COM NEW 868927203 37,240 31,034 SH SOLE 0 0 31,034
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 5,954,648 13,053 SH SOLE 0 0 13,053
TESLA INC COM 88160R101 524,764 1,479 SH SOLE 0 0 1,479
TEXAS INSTRS INC COM 882508104 7,471,617 26,676 SH SOLE 0 0 26,676
TMC THE METALS COMPANY INC COM 87261Y106 76,800 20,000 SH SOLE 0 0 20,000
UNILEVER PLC SPON ADR NEW 904767803 5,422,395 89,287 SH SOLE 0 0 89,287
VANGUARD BD INDEX FDS INTERMED TERM 921937819 39,798,090 546,227 SH SOLE 0 0 546,227
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 31,748,090 452,574 SH SOLE 0 0 452,574
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 2,420,331 6,467 SH SOLE 0 0 6,467
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 253,462 1,173 SH SOLE 0 0 1,173
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 235,189 1,018 SH SOLE 0 0 1,018
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 422,880 7,130 SH SOLE 0 0 7,130
VEEVA SYS INC CL A COM 922475108 5,299,950 18,567 SH SOLE 0 0 18,567
VERIZON COMMUNICATIONS INC COM 92343V104 6,283,994 136,996 SH SOLE 0 0 136,996
WALMART INC COM 931142103 479,539 4,615 SH SOLE 0 0 4,615
WASTE MGMT INC DEL COM 94106L109 5,453,506 26,743 SH SOLE 0 0 26,743
WELLS FARGO & CO COM 949746101 725,443 9,062 SH SOLE 0 0 9,062