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 301 1,153 SH SOLE 0 0 1,153
ABRDN PHYSICAL GOLD SHARES ETF Exchange Traded Fund 00326A104 1,526 38,575 SH SOLE 0 0 38,575
AMAZON COM INC COM Common Stock 023135106 784 3,147 SH SOLE 0 0 3,147
BROADCOM INC COM Common Stock 11135F101 212 605 SH SOLE 0 0 605
COSTCO WHOLESALE CORPORATION COM Common Stock 22160K105 456 501 SH SOLE 0 0 501
ENBRIDGE INC COM Common Stock 29250N105 272 5,853 SH SOLE 0 0 5,853
EXXONMOBIL HOLDINGS CORP COM SHS Common Stock 30233Q108 271 1,670 SH SOLE 0 0 1,670
FIDELITY HIGH DIVIDEND ETF Exchange Traded Fund 316092840 1,144 18,851 SH SOLE 0 0 18,851
FIDELITY MSCI UTILITIES INDEX ETF Exchange Traded Fund 316092865 810 15,884 SH SOLE 0 0 15,884
INTERNATIONAL BUSINESS MACHS COM Common Stock 459200101 296 1,348 SH SOLE 0 0 1,348
INVESCO QQQ TRUST SERIES I Exchange Traded Fund 46090E103 2,765 3,735 SH SOLE 0 0 3,735
INVESCO S&P 500 HIGH DIVIDEND LOW VOLATILITY ETF Exchange Traded Fund 46138E362 2,542 52,773 SH SOLE 0 0 52,773
INVESCO S&P ULTRA DIVIDEND REVENUE ETF Exchange Traded Fund 46138G656 307 5,375 SH SOLE 0 0 5,375
ISHARES CORE DIVIDEND GROWTH ETF Exchange Traded Fund 46434V621 1,365 18,106 SH SOLE 0 0 18,106
ISHARES CORE S&P 500 ETF Exchange Traded Fund 464287200 1,781 2,326 SH SOLE 0 0 2,326
ISHARES CORE TOTAL USD BOND MARKET ETF Exchange Traded Fund 46434V613 14,588 330,890 SH SOLE 0 0 330,890
ISHARES CORE U.S. AGGREGATE BOND ETF Exchange Traded Fund 464287226 269 2,850 SH SOLE 0 0 2,850
ISHARES INTERNATIONAL SELECT DIVIDEND ETF Exchange Traded Fund 464288448 1,664 39,445 SH SOLE 0 0 39,445
ISHARES RUSSELL 2000 ETF Exchange Traded Fund 464287655 935 3,366 SH SOLE 0 0 3,366
ISHARES RUSSELL 2000 VALUE ETF Exchange Traded Fund 464287630 20,163 96,268 SH SOLE 0 0 96,268
ISHARES SEMICONDUCTOR ETF Exchange Traded Fund 464287523 290 510 SH SOLE 0 0 510
MICROSOFT CORP COM Common Stock 594918104 374 730 SH SOLE 0 0 730
PHILIP MORRIS INTL INC COM Common Stock 718172109 448 2,352 SH SOLE 0 0 2,352
PIMCO ENHANCED SHORT MATURITY ACTIVE EXCHANGE-TRADED FUND Exchange Traded Fund 72201R833 12,536 124,675 SH SOLE 0 0 124,675
SCHWAB FUNDAMENTAL INTERNATIONAL EQUITY ETF Exchange Traded Fund 808524755 333 6,212 SH SOLE 0 0 6,212
SCHWAB SHORT-TERM US TREASURY ETF Exchange Traded Fund 808524862 986 41,361 SH SOLE 0 0 41,361
SCHWAB U.S. LARGE-CAP GROWTH ETF Exchange Traded Fund 808524300 15,880 441,996 SH SOLE 0 0 441,996
SCHWAB US DIVIDEND EQUITY ETF Exchange Traded Fund 808524797 24,144 742,222 SH SOLE 0 0 742,222
SPDR GOLD SHARES Exchange Traded Fund 78463V107 457 1,200 SH SOLE 0 0 1,200
STATE STREET SPDR PORTFOLIO S&P 500 GROWTH ETF Exchange Traded Fund 78464A409 11,849 96,278 SH SOLE 0 0 96,278
STATE STREET SPDR PORTFOLIO S&P 500 HIGH DIVIDEND ETF Exchange Traded Fund 78468R788 7,717 170,094 SH SOLE 0 0 170,094
STATE STREET SPDR PORTFOLIO S&P 600 SMALL CAP ETF Exchange Traded Fund 78468R853 425 8,054 SH SOLE 0 0 8,054
STATE STREET SPDR S&P 500 ETF Exchange Traded Fund 78462F103 574 751 SH SOLE 0 0 751
STATE STREET TECHNOLOGY SELECT SECTOR SPDR ETF Exchange Traded Fund 81369Y803 21,118 107,882 SH SOLE 0 0 107,882
TESLA INC COM Common Stock 88160R101 404 1,141 SH SOLE 0 0 1,141
VANGUARD CONSUMER STAPLES ETF Exchange Traded Fund 92204A207 202 927 SH SOLE 0 0 927
VANGUARD DIVIDEND APPRECIATION ETF Exchange Traded Fund 921908844 430 1,846 SH SOLE 0 0 1,846
VANGUARD ENERGY ETF Exchange Traded Fund 92204A306 2,320 13,477 SH SOLE 0 0 13,477
VANGUARD FINANCIALS ETF Exchange Traded Fund 92204A405 534 4,107 SH SOLE 0 0 4,107
VANGUARD HEALTH CARE ETF Exchange Traded Fund 92204A504 760 2,405 SH SOLE 0 0 2,405
VANGUARD HIGH DIVIDEND YIELD INDEX ETF Exchange Traded Fund 921946406 2,587 16,671 SH SOLE 0 0 16,671
VANGUARD MORNINGSTAR GROWTH ETF Exchange Traded Fund 922908736 1,214 13,481 SH SOLE 0 0 13,481
VANGUARD MORNINGSTAR MID-CAP VALUE ETF Exchange Traded Fund 922908512 2,529 12,936 SH SOLE 0 0 12,936
VANGUARD MORNINGSTAR SMALL-CAP ETF Exchange Traded Fund 922908751 8,899 31,282 SH SOLE 0 0 31,282
VANGUARD MORNINGSTAR SMALL-CAP VALUE ETF Exchange Traded Fund 922908611 6,171 26,712 SH SOLE 0 0 26,712
VANGUARD MORNINGSTAR TOTAL STOCK MARKET ETF Exchange Traded Fund 922908769 7,538 20,143 SH SOLE 0 0 20,143
VANGUARD MORNINGSTAR VALUE ETF Exchange Traded Fund 922908744 26,187 121,195 SH SOLE 0 0 121,195
VANGUARD REAL ESTATE ETF Exchange Traded Fund 922908553 287 3,206 SH SOLE 0 0 3,206
VANGUARD RUSSELL 1000 GROWTH ETF Exchange Traded Fund 92206C680 24,469 189,788 SH SOLE 0 0 189,788
VANGUARD S&P 500 ETF Exchange Traded Fund 922908363 1,103 1,575 SH SOLE 0 0 1,575
VANGUARD S&P 500 GROWTH ETF Exchange Traded Fund 921932505 1,114 13,038 SH SOLE 0 0 13,038
VANGUARD SHORT-TERM CORPORATE BOND ETF Exchange Traded Fund 92206C409 1,449 18,760 SH SOLE 0 0 18,760
VANGUARD SHORT-TERM TREASURY ETF Exchange Traded Fund 92206C102 11,162 193,925 SH SOLE 0 0 193,925
VANGUARD TOTAL WORLD STOCK ETF Exchange Traded Fund 922042742 1,186 7,519 SH SOLE 0 0 7,519
WALMART INC COM Common Stock 931142103 375 3,612 SH SOLE 0 0 3,612