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
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 COM 88579Y101 1,851 14,304 SH   SOLE   14,304 0 0
ABBOTT LABS COM COM 002824100 2,234 20,566 SH   SOLE   20,565 0 0
ABBVIE INC COM COM 00287Y109 3,063 20,000 SH   SOLE   20,000 0 0
ABRDN PHYSICAL GOLD SHARES ETF PHYSCL GOLD SHS 00326A104 7,325 422,656 SH   SOLE   422,656 0 0
ALPHABET INC CAP STK CL C CAP STK CL C 02079K107 2,693 1,231 SH   SOLE   1,227 0 4
AMAZON COM INC COM COM 023135106 843 7,941 SH   SOLE   7,941 0 0
AMERICAN EXPRESS CO COM COM 025816109 2,741 19,773 SH   SOLE   19,704 0 68
ANALOG DEVICES INC COM COM 032654105 2,696 18,454 SH   SOLE   18,395 0 59
APPLE INC COM COM 037833100 3,936 28,792 SH   SOLE   28,792 0 0
ARCHER DANIELS MIDLAND CO COM COM 039483102 325 4,187 SH   SOLE   4,058 0 129
ASSURED GUARANTY LTD COM COM G0585R106 245 4,397 SH   SOLE   4,261 0 136
ASTRAZENECA PLC SPONSORED ADR SPONSORED ADR 046353108 2,615 39,583 SH   SOLE   39,583 0 0
AUTOMATIC DATA PROCESSING INC COM COM 053015103 2,538 12,085 SH   SOLE   12,084 0 0
BARINGS BDC INC COM COM 06759L103 403 43,279 SH   SOLE   43,279 0 0
BROADCOM INC COM COM 11135F101 210 433 SH   SOLE   419 0 14
BUNGE LIMITED COM COM G16962105 1,570 17,313 SH   SOLE   16,763 0 550
CABOT CORP COM COM 127055101 353 5,535 SH   SOLE   5,361 0 174
CF INDS HLDGS INC COM COM 125269100 548 6,395 SH   SOLE   6,200 0 195
CHENIERE ENERGY INC COM NEW COM NEW 16411R208 2,296 17,259 SH   SOLE   17,024 0 235
CHEVRON CORP NEW COM COM 166764100 2,047 14,141 SH   SOLE   14,073 0 68
CION INVT CORP COM COM 17259U204 4,865 559,164 SH   SOLE   551,529 0 7,635
CLOROX CO DEL COM COM 189054109 1,894 13,432 SH   SOLE   13,431 0 0
CONOCOPHILLIPS COM COM 20825C104 1,968 21,909 SH   SOLE   21,801 0 108
CULLEN FROST BANKERS INC COM COM 229899109 608 5,223 SH   SOLE   5,052 0 171
CUMMINS INC COM COM 231021106 2,103 10,864 SH   SOLE   10,864 0 0
DEVON ENERGY CORP NEW COM COM 25179M103 2,584 46,894 SH   SOLE   46,328 0 566
ELEVANCE HEALTH INC COM COM 036752103 3,532 7,318 SH   SOLE   7,294 0 24
EVERSOURCE ENERGY COM COM 30040W108 288 3,413 SH   SOLE   3,413 0 0
EXXON MOBIL CORP COM COM 30231G102 3,333 38,919 SH   SOLE   38,919 0 0
FRANCO NEV CORP COM COM 351858105 297 2,260 SH   SOLE   2,260 0 0
FS KKR CAP CORP COM COM 302635206 665 34,262 SH   SOLE   34,262 0 0
GENERAL DYNAMICS CORP COM COM 369550108 2,103 9,506 SH   SOLE   9,461 0 45
GENUINE PARTS CO COM COM 372460105 2,777 20,879 SH   SOLE   20,878 0 0
INTERNATIONAL PAPER CO COM COM 460146103 2,155 51,524 SH   SOLE   51,524 0 0
INVESCO DB COMMODITY INDEX TRACKING FUND UNIT 46138B103 394 14,788 SH   SOLE   14,788 0 0
INVESCO QQQ TRUST UNIT SER 1 46090E103 460 1,642 SH   SOLE   1,642 0 0
IQVIA HLDGS INC COM COM 46266C105 2,960 13,642 SH   SOLE   13,596 0 46
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ISHS 1-5YR INVS 464288646 5,454 107,887 SH   SOLE   107,754 0 133
ISHARES 7-10 YEAR TREASURY BOND ETF 7-10 YR TRSY BD 464287440 20,124 196,711 SH   SOLE   196,711 0 0
ISHARES GOLD TRUST ISHARES NEW 464285204 2,072 60,383 SH   SOLE   60,383 0 0
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408 21,060 153,211 SH   SOLE   152,944 0 267
ISHARES S&P MID-CAP 400 VALUE ETF S&P MC 400VL ETF 464287705 20,403 216,107 SH   SOLE   215,731 0 376
ISHARES S&P SMALL-CAP 600 VALUE ETF SP SMCP600VL ETF 464287879 20,445 229,646 SH   SOLE   229,246 0 400
JOHNSON & JOHNSON COM COM 478160104 2,502 14,093 SH   SOLE   14,093 0 0
JPMORGAN CHASE & CO COM COM 46625H100 2,056 18,256 SH   SOLE   18,256 0 0
KBR INC COM COM 48242W106 941 19,449 SH   SOLE   18,850 0 599
KIMBERLY-CLARK CORP COM COM 494368103 2,300 17,018 SH   SOLE   17,018 0 0
KROGER CO COM COM 501044101 2,656 56,125 SH   SOLE   56,124 0 0
LOWES COS INC COM COM 548661107 2,688 15,392 SH   SOLE   15,338 0 53
MASTERCARD INCORPORATED CL A CL A 57636Q104 2,472 7,836 SH   SOLE   7,814 0 22
MCDONALDS CORP COM COM 580135101 2,492 10,095 SH   SOLE   10,094 0 0
MERCK & CO INC COM COM 58933Y105 2,721 29,841 SH   SOLE   29,840 0 0
METLIFE INC COM COM 59156R108 2,749 43,781 SH   SOLE   43,781 0 0
MICROSOFT CORP COM COM 594918104 5,258 20,473 SH   SOLE   20,436 0 37
MUELLER INDS INC COM COM 624756102 1,224 22,960 SH   SOLE   22,238 0 722
NEXSTAR MEDIA GROUP INC CL A CL A 65336K103 1,777 10,911 SH   SOLE   10,563 0 348
OLIN CORP COM PAR $1 COM PAR $1 680665205 1,709 36,922 SH   SOLE   36,769 0 153
OREILLY AUTOMOTIVE INC COM COM 67103H107 3,104 4,913 SH   SOLE   4,897 0 16
PAYCHEX INC COM COM 704326107 2,274 19,971 SH   SOLE   19,675 0 296
PENSKE AUTOMOTIVE GRP INC COM COM 70959W103 3,562 34,026 SH   SOLE   33,520 0 506
PHILLIPS 66 COM COM 718546104 2,333 28,452 SH   SOLE   28,451 0 0
PROCTER AND GAMBLE CO COM COM 742718109 2,441 16,977 SH   SOLE   16,976 0 0
QUALCOMM INC COM COM 747525103 2,394 18,739 SH   SOLE   18,739 0 0
RAYTHEON TECHNOLOGIES CORP COM COM 75513E101 5,996 62,391 SH   SOLE   62,289 0 101
REAL ESTATE SELECT SECTOR SPDR FUND RL EST SEL SEC 81369Y860 1,150 28,137 SH   SOLE   28,137 0 0
ROYAL GOLD INC COM COM 780287108 238 2,225 SH   SOLE   2,225 0 0
SCHWAB EMERGING MARKETS EQUITY ETF EMRG MKTEQ ETF 808524706 905 35,661 SH   SOLE   35,661 0 0
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 6,639 211,090 SH   SOLE   211,090 0 0
SCHWAB SHORT-TERM U.S. TREASURY ETF SHT TM US TRES 808524862 1,929 39,220 SH   SOLE   39,220 0 0
SCHWAB U.S. BROAD MARKET ETF US BRD MKT ETF 808524102 800 18,114 SH   SOLE   18,114 0 0
SCHWAB U.S. LARGE-CAP ETF US LRG CAP ETF 808524201 14,294 320,067 SH   SOLE   320,067 0 0
SCHWAB U.S. MID-CAP ETF US MID-CAP ETF 808524508 931 14,842 SH   SOLE   14,842 0 0
SCHWAB U.S. SMALL-CAP ETF US SML CAP ETF 808524607 1,182 30,326 SH   SOLE   30,326 0 0
SCHWAB U.S. TIPS ETF US TIPS ETF 808524870 958 17,168 SH   SOLE   17,168 0 0
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797 28,165 393,207 SH   SOLE   391,444 0 1,763
SEALED AIR CORP NEW COM COM 81211K100 515 8,915 SH   SOLE   8,638 0 277
SOUTHERN CO COM COM 842587107 2,611 36,620 SH   SOLE   36,619 0 0
SPDR GOLD SHARES GOLD SHS 78463V107 2,316 13,746 SH   SOLE   13,746 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 449 1,190 SH   SOLE   1,190 0 0
TESLA INC COM COM 88160R101 497 738 SH   SOLE   738 0 0
TEXAS INSTRS INC COM COM 882508104 2,222 14,460 SH   SOLE   14,460 0 0
TRIMBLE INC COM COM 896239100 249 4,280 SH   SOLE   4,280 0 0
UNILEVER PLC SPON ADR NEW SPON ADR NEW 904767704 2,048 44,677 SH   SOLE   44,676 0 0
UNITED PARCEL SERVICE INC CL B CL B 911312106 2,712 14,854 SH   SOLE   14,854 0 0
UNITEDHEALTH GROUP INC COM COM 91324P102 3,726 7,254 SH   SOLE   7,222 0 32
VAIL RESORTS INC COM COM 91879Q109 215 985 SH   SOLE   985 0 0
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND INTERMED TERM 921937819 24,462 315,032 SH   SOLE   314,842 0 190
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND SHRT TRM CORP BD 92206C409 303 3,969 SH   SOLE   3,969 0 0
VANGUARD TOTAL STOCK MARKET INDEX FUND TOTAL STK MKT 922908769 704 3,731 SH   SOLE   3,731 0 0
VERIZON COMMUNICATIONS INC COM COM 92343V104 2,277 44,866 SH   SOLE   44,866 0 0
WALGREENS BOOTS ALLIANCE INC COM COM 931427108 1,912 50,462 SH   SOLE   50,461 0 0
WALMART INC COM COM 931142103 2,074 17,055 SH   SOLE   17,054 0 0
WASTE MGMT INC DEL COM COM 94106L109 2,732 17,857 SH   SOLE   17,806 0 51
WELLS FARGO CO NEW COM COM NEW 949746101 2,501 63,849 SH   SOLE   63,643 0 205