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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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100 BBG001T79CF8 6,243,504 65,377 SH   SOLE   0 0 65,377
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 919,164 6,090 SH   SOLE   0 0 6,090
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 272,393 1,789 SH   SOLE   0 0 1,789
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,429,512 7,925 SH   SOLE   0 0 7,925
APPLE INC COM 037833100 BBG001S5N8V8 1,597,382 9,466 SH   SOLE   0 0 9,466
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,211,098 2,880 SH   SOLE   0 0 2,880
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 666,822 910 SH   SOLE   0 0 910
ELI LILLY & CO COM 532457108 BBG001S5STL8 254,393 327 SH   SOLE   0 0 327
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 1,230,851 10,589 SH   SOLE   0 0 10,589
GENERAL ELECTRIC CO COM NEW 369604301 BBG001S5PVD5 382,680 2,180 SH   SOLE   0 0 2,180
INVESCO EXCHANGE TRADED FD T S&P MIDCAP 400 46137V225 BBG00KJR2CS6 238,515 1,983 SH   SOLE   0 0 1,983
INVESCO EXCHANGE TRADED FD T S&P500 EQL ENR 46137V365 BBG00KJR2MS4 2,107,324 25,365 SH   SOLE   0 0 25,365
INVESCO EXCHANGE TRADED FD T S&P500 EQL MAT 46137V316 BBG00KJR2SC8 2,097,476 57,734 SH   SOLE   0 0 57,734
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 7,896,608 46,623 SH   SOLE   0 0 46,623
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 258,414 582 SH   SOLE   0 0 582
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 508,157 9,848 SH   SOLE   0 0 9,848
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 482,517 11,340 SH   SOLE   0 0 11,340
ISHARES TR AGGRES ALLOC ETF 464289859 BBG001T3YVL0 685,122 9,326 SH   SOLE   0 0 9,326
ISHARES TR BLACKROCK ULTRA 46434V878 BBG005PCDCZ5 768,512 15,200 SH   SOLE   0 0 15,200
ISHARES TR COHEN STEER REIT 464287564 BBG001SDX760 287,115 4,976 SH   SOLE   0 0 4,976
ISHARES TR CORE 1 5 YR USD 46432F859 BBG003HC6JD6 22,884,548 482,389 SH   SOLE   0 0 482,389
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 1,408,732 18,980 SH   SOLE   0 0 18,980
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 715,787 10,548 SH   SOLE   0 0 10,548
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 747,128 12,300 SH   SOLE   0 0 12,300
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 525,604 4,756 SH   SOLE   0 0 4,756
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 2,487,468 4,731 SH   SOLE   0 0 4,731
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 320,362 3,271 SH   SOLE   0 0 3,271
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 386,774 6,107 SH   SOLE   0 0 6,107
ISHARES TR GLOB HLTHCRE ETF 464287325 BBG001SJX8Q3 233,807 2,510 SH   SOLE   0 0 2,510
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 17,906,300 349,187 SH   SOLE   0 0 349,187
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 2,361,938 45,774 SH   SOLE   0 0 45,774
ISHARES TR MORNINGSTAR GRWT 464287119 BBG001SBRHJ5 528,285 6,999 SH   SOLE   0 0 6,999
ISHARES TR MORNINGSTAR VALU 464288109 BBG001SBRHX9 394,907 5,138 SH   SOLE   0 0 5,138
ISHARES TR MRGSTR MD CP GRW 464288307 BBG001SBRK44 1,973,103 27,916 SH   SOLE   0 0 27,916
ISHARES TR MRGSTR MD CP VAL 464288406 BBG001SBRK53 1,525,581 21,028 SH   SOLE   0 0 21,028
ISHARES TR MRGSTR SM CP GR 464288604 BBG001SBRKD4 717,085 15,398 SH   SOLE   0 0 15,398
ISHARES TR MRNING SM CP ETF 464288703 BBG001SBRKG1 641,376 10,480 SH   SOLE   0 0 10,480
ISHARES TR MSCI ACWI ETF 464288257 BBG001S56QV7 523,118 4,750 SH   SOLE   0 0 4,750
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 363,413 8,846 SH   SOLE   0 0 8,846
ISHARES TR NORTH AMERN NAT 464287374 BBG001SJKDG7 1,547,715 34,401 SH   SOLE   0 0 34,401
ISHARES TR RESIDENTIAL MULT 464288562 BBG001ST7G73 546,867 7,588 SH   SOLE   0 0 7,588
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 534,033 6,324 SH   SOLE   0 0 6,324
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 292,918 1,568 SH   SOLE   0 0 1,568
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 271,993 2,208 SH   SOLE   0 0 2,208
ISHARES TR SHORT TREAS BD 464288679 BBG001SSD803 928,536 8,400 SH   SOLE   0 0 8,400
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 1,813,940 16,888 SH   SOLE   0 0 16,888
ISHARES TR U.S. REAL ES ETF 464287739 BBG001SFGXJ3 583,320 6,489 SH   SOLE   0 0 6,489
MCDONALDS CORP COM 580135101 BBG001S5T110 302,593 1,073 SH   SOLE   0 0 1,073
MICROSOFT CORP COM 594918104 BBG001S5TD05 585,971 1,393 SH   SOLE   0 0 1,393
PIMCO ETF TR 1-5 US TIP IDX 72201R205 BBG001T5DWK7 523,652 10,168 SH   SOLE   0 0 10,168
S&P GLOBAL INC COM 78409V104 BBG001S5T5M8 253,143 595 SH   SOLE   0 0 595
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 5,582,492 221,089 SH   SOLE   0 0 221,089
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 24,503,569 627,975 SH   SOLE   0 0 627,975
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 6,404,568 178,899 SH   SOLE   0 0 178,899
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 16,772,515 347,905 SH   SOLE   0 0 347,905
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 387,642 8,427 SH   SOLE   0 0 8,427
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 11,333,998 140,568 SH   SOLE   0 0 140,568
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 7,137,090 76,975 SH   SOLE   0 0 76,975
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 6,760,443 88,977 SH   SOLE   0 0 88,977
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 39,561,720 637,475 SH   SOLE   0 0 637,475
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 11,198,440 137,522 SH   SOLE   0 0 137,522
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 9,199,620 453,183 SH   SOLE   0 0 453,183
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 8,165,101 165,823 SH   SOLE   0 0 165,823
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 365,153 1,775 SH   SOLE   0 0 1,775
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 BBG001SRXRN6 5,469,392 192,584 SH   SOLE   0 0 192,584
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,089,555 2,083 SH   SOLE   0 0 2,083
SPDR SER TR S&P 400 MDCP GRW 78464A821 BBG001SPTBN0 2,598,990 29,774 SH   SOLE   0 0 29,774
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 2,209,538 29,073 SH   SOLE   0 0 29,073
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 1,304,706 14,957 SH   SOLE   0 0 14,957
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 1,327,241 15,997 SH   SOLE   0 0 15,997
UNION PAC CORP COM 907818108 BBG001S5X2M0 1,275,885 5,188 SH   SOLE   0 0 5,188
VANECK ETF TRUST GOLD MINERS ETF 92189F106 BBG001SR42Z0 330,429 10,450 SH   SOLE   0 0 10,450
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 1,017,900 13,500 SH   SOLE   0 0 13,500
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 4,056,226 52,905 SH   SOLE   0 0 52,905
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 15,443,898 212,638 SH   SOLE   0 0 212,638
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 411,032 8,356 SH   SOLE   0 0 8,356
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 521,897 2,177 SH   SOLE   0 0 2,177
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 216,342 866 SH   SOLE   0 0 866
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 258,992 1,133 SH   SOLE   0 0 1,133
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 1,355,774 5,217 SH   SOLE   0 0 5,217
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 505,680 8,622 SH   SOLE   0 0 8,622
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 6,489,110 155,353 SH   SOLE   0 0 155,353
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 336,956 5,588 SH   SOLE   0 0 5,588
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 863,627 7,138 SH   SOLE   0 0 7,138
VISA INC COM CL A 92826C839 BBG001SRCFY3 334,896 1,200 SH   SOLE   0 0 1,200