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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM COM 88579Y101   1,976,448 19,747 SH   SOLE   19,609 0 137
ABBOTT LABS COM COM 002824100   2,670,397 24,495 SH   SOLE   24,357 0 137
ABBVIE INC COM COM 00287Y109   2,683,915 19,921 SH   SOLE   19,819 0 101
ABRDN PHYSICAL GOLD SHARES ETF PHYSCL GOLD SHS 00326A104   7,543,751 410,656 SH   SOLE   410,656 0 0
AMAZON COM INC COM COM 023135106   1,111,580 8,527 SH   SOLE   8,527 0 0
AMGEN INC COM COM 031162100   2,282,810 10,282 SH   SOLE   10,219 0 63
ANALOG DEVICES INC COM COM 032654105   3,176,563 16,306 SH   SOLE   16,246 0 59
APPLE INC COM COM 037833100   5,916,479 30,502 SH   SOLE   30,502 0 0
ARES MANAGEMENT CORPORATION CL A COM STK CL A COM STK 03990B101   583,207 6,053 SH   SOLE   6,053 0 0
ASML HOLDING N V N Y REGISTRY SHS NY REGISTERY SHS N07059210   402,236 555 SH   SOLE   555 0 0
ASTRAZENECA PLC SPONSORED ADR SPONSORED ADR 046353108   2,971,180 41,514 SH   SOLE   41,325 0 189
AUTOMATIC DATA PROCESSING INC COM COM 053015103   2,686,698 12,224 SH   SOLE   12,160 0 63
BANK NEW YORK MELLON CORP COM COM 064058100   2,805,339 63,013 SH   SOLE   62,769 0 244
BARINGS BDC INC COM COM 06759L103   211,445 26,970 SH   SOLE   26,970 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW CL B NEW 084670702   3,519,802 10,322 SH   SOLE   10,283 0 39
BIOGEN INC COM COM 09062X103   278,014 976 SH   SOLE   976 0 0
BOEING CO COM COM 097023105   772,846 3,660 SH   SOLE   3,660 0 0
BROADCOM INC COM COM 11135F101   3,670,096 4,231 SH   SOLE   4,215 0 16
CAMPBELL SOUP CO COM COM 134429109   345,476 7,558 SH   SOLE   7,558 0 0
CARDINAL HEALTH INC COM COM 14149Y108   1,727,699 18,269 SH   SOLE   18,269 0 0
CHENIERE ENERGY INC COM NEW COM NEW 16411R208   2,197,031 14,420 SH   SOLE   14,373 0 47
CHEVRON CORP NEW COM COM 166764100   4,754,609 30,217 SH   SOLE   30,128 0 88
CION INVT CORP COM COM 17259U204   8,276,176 797,319 SH   SOLE   785,867 0 11,452
CITIGROUP INC COM NEW COM NEW 172967424   2,230,408 48,445 SH   SOLE   48,159 0 286
CLOROX CO DEL COM COM 189054109   2,617,096 16,456 SH   SOLE   16,365 0 90
CONOCOPHILLIPS COM COM 20825C104   2,367,283 22,848 SH   SOLE   22,714 0 134
COTY INC COM CL A CL A 222070203   174,346 14,186 SH   SOLE   14,186 0 0
CUMMINS INC COM COM 231021106   2,815,545 11,485 SH   SOLE   11,426 0 58
D R HORTON INC COM COM 23331A109   393,424 3,233 SH   SOLE   3,233 0 0
DEERE & CO COM COM 244199105   809,164 1,997 SH   SOLE   1,997 0 0
DICKS SPORTING GOODS INC COM COM 253393102   233,580 1,767 SH   SOLE   1,767 0 0
EDISON INTL COM COM 281020107   2,509,715 36,137 SH   SOLE   35,930 0 207
ELEVANCE HEALTH INC COM COM 036752103   2,946,007 6,631 SH   SOLE   6,606 0 24
ENERGY SELECT SECTOR SPDR FUND ENERGY 81369Y506   283,770 3,496 SH   SOLE   3,496 0 0
EVERSOURCE ENERGY COM COM 30040W108   242,050 3,413 SH   SOLE   3,413 0 0
EXXON MOBIL CORP COM COM 30231G102   4,386,529 40,900 SH   SOLE   40,769 0 131
FIRSTCASH HOLDINGS INC COM COM 33768G107   603,938 6,471 SH   SOLE   6,471 0 0
FRANCO NEV CORP COM COM 351858105   322,276 2,260 SH   SOLE   2,260 0 0
FS KKR CAP CORP COM COM 302635206   597,770 31,166 SH   SOLE   31,166 0 0
GALLAGHER ARTHUR J & CO COM COM 363576109   574,176 2,615 SH   SOLE   2,615 0 0
GENERAL DYNAMICS CORP COM COM 369550108   1,907,090 8,864 SH   SOLE   8,836 0 28
GENUINE PARTS CO COM COM 372460105   3,231,350 19,094 SH   SOLE   19,006 0 88
GILEAD SCIENCES INC COM COM 375558103   289,937 3,762 SH   SOLE   3,762 0 0
GRAPHIC PACKAGING HLDG CO COM COM 388689101   2,518,272 104,797 SH   SOLE   104,797 0 0
HERSHEY CO COM COM 427866108   2,051,535 8,216 SH   SOLE   8,216 0 0
HUBBELL INC COM COM 443510607   1,489,036 4,491 SH   SOLE   4,491 0 0
INTERNATIONAL PAPER CO COM COM 460146103   2,151,799 67,645 SH   SOLE   67,202 0 443
INTUIT COM COM 461202103   2,084,306 4,549 SH   SOLE   4,533 0 16
INTUITIVE SURGICAL INC COM NEW COM NEW 46120E602   513,594 1,502 SH   SOLE   1,502 0 0
INVESCO QQQ TRUST SERIES I UNIT SER 1 46090E103   15,439,539 41,794 SH   SOLE   41,634 0 160
IQVIA HLDGS INC COM COM 46266C105   2,904,028 12,920 SH   SOLE   12,874 0 46
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ISHS 1-5YR INVS 464288646   4,793,392 95,543 SH   SOLE   95,410 0 133
ISHARES 7-10 YEAR TREASURY BOND ETF 7-10 YR TRSY BD 464287440   222,953 2,308 SH   SOLE   2,308 0 0
ISHARES GOLD TRUST ISHARES NEW 464285204   3,200,100 87,939 SH   SOLE   87,939 0 0
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF IBOXX HI YD ETF 464288513   7,955,468 105,974 SH   SOLE   105,974 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF IBOXX INV CP ETF 464287242   8,021,068 74,173 SH   SOLE   74,173 0 0
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465   14,946,238 206,155 SH   SOLE   205,347 0 808
ISHARES MSCI EMERGING MARKETS ETF MSCI EMG MKT ETF 464287234   5,093,983 128,766 SH   SOLE   128,244 0 522
ISHARES S&P 500 GROWTH ETF S&P 500 GRWT ETF 464287309   14,201,861 201,502 SH   SOLE   200,715 0 787
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408   14,557,230 90,311 SH   SOLE   89,958 0 353
ISHARES S&P MID-CAP 400 GROWTH ETF S&P MC 400GR ETF 464287606   5,288,175 70,509 SH   SOLE   70,223 0 286
ISHARES U.S. BASIC MATERIALS ETF U.S. BAS MTL ETF 464287838   14,612,216 109,825 SH   SOLE   109,395 0 430
ISHARES U.S. CONSUMER DISCRETIONARY ETF US CONSUM DISCRE 464287580   1,367,484 19,215 SH   SOLE   19,215 0 0
ISHARES U.S. FINANCIALS ETF U.S. FINLS ETF 464287788   1,374,689 18,425 SH   SOLE   18,425 0 0
ISHARES U.S. INDUSTRIALS ETF US INDUSTRIALS 464287754   1,379,686 13,011 SH   SOLE   13,011 0 0
ISHARES U.S. TECHNOLOGY ETF U.S. TECH ETF 464287721   1,358,589 12,479 SH   SOLE   12,479 0 0
JPMORGAN CHASE & CO COM COM 46625H100   2,979,041 20,483 SH   SOLE   20,384 0 98
KB HOME COM COM 48666K109   333,995 6,459 SH   SOLE   6,459 0 0
KIMBERLY-CLARK CORP COM COM 494368103   2,703,124 19,579 SH   SOLE   19,475 0 104
KLA CORP COM NEW COM NEW 482480100   894,377 1,844 SH   SOLE   1,844 0 0
LAM RESEARCH CORP COM COM 512807108   378,645 589 SH   SOLE   589 0 0
LAMB WESTON HLDGS INC COM COM 513272104   637,628 5,547 SH   SOLE   5,547 0 0
LANCASTER COLONY CORP COM COM 513847103   1,331,417 6,621 SH   SOLE   6,621 0 0
LENNAR CORP CL A CL A 526057104   383,825 3,063 SH   SOLE   3,063 0 0
LOWES COS INC COM COM 548661107   3,238,569 14,349 SH   SOLE   14,295 0 53
MASTERCARD INCORPORATED CL A CL A 57636Q104   2,608,951 6,633 SH   SOLE   6,611 0 22
MCDONALDS CORP COM COM 580135101   3,054,368 10,235 SH   SOLE   10,187 0 48
MERCK & CO INC COM COM 58933Y105   3,567,011 30,913 SH   SOLE   30,785 0 127
META PLATFORMS INC CL A CL A 30303M102   773,985 2,697 SH   SOLE   2,697 0 0
METLIFE INC COM COM 59156R108   2,519,222 44,564 SH   SOLE   44,310 0 254
MICROSOFT CORP COM COM 594918104   4,162,348 12,223 SH   SOLE   12,180 0 42
NATIONAL INSTRS CORP COM COM 636518102   1,263,259 22,008 SH   SOLE   22,008 0 0
NEW YORK CMNTY BANCORP INC COM COM 649445103   785,451 69,880 SH   SOLE   69,880 0 0
NIKE INC CL B CL B 654106103   1,762,388 15,968 SH   SOLE   15,913 0 55
NOVO-NORDISK A S ADR ADR 670100205   2,171,920 13,421 SH   SOLE   13,372 0 49
NVIDIA CORPORATION COM COM 67066G104   321,918 761 SH   SOLE   761 0 0
OLIN CORP COM PAR $1 COM PAR $1 680665205   2,219,227 43,184 SH   SOLE   42,917 0 267
OMNICOM GROUP INC COM COM 681919106   2,512,245 26,403 SH   SOLE   26,256 0 147
ORACLE CORP COM COM 68389X105   436,108 3,662 SH   SOLE   3,662 0 0
OREILLY AUTOMOTIVE INC COM COM 67103H107   4,067,667 4,258 SH   SOLE   4,242 0 16
PENSKE AUTOMOTIVE GRP INC COM COM 70959W103   3,860,281 23,167 SH   SOLE   23,076 0 90
PEPSICO INC COM COM 713448108   620,857 3,352 SH   SOLE   3,352 0 0
PHILLIPS 66 COM COM 718546104   2,826,929 29,639 SH   SOLE   29,495 0 143
POLARIS INC COM COM 731068102   2,548,358 21,073 SH   SOLE   21,000 0 73
PRIMERICA INC COM COM 74164M108   818,529 4,139 SH   SOLE   4,139 0 0
PROCTER AND GAMBLE CO COM COM 742718109   2,831,300 18,659 SH   SOLE   18,562 0 96
PULTE GROUP INC COM COM 745867101   525,272 6,762 SH   SOLE   6,762 0 0
QUALCOMM INC COM COM 747525103   2,499,380 20,996 SH   SOLE   20,884 0 112
RAYTHEON TECHNOLOGIES CORP COM COM 75513E101   5,716,588 58,356 SH   SOLE   58,115 0 241
REAL ESTATE SELECT SECTOR SPDR FUND RL EST SEL SEC\ 81369Y860   1,276,999 33,882 SH   SOLE   33,881 0 0
ROYAL GOLD INC COM COM 780287108   255,386 2,225 SH   SOLE   2,225 0 0
SCHWAB EMERGING MARKETS EQUITY ETF EMRG MKTEQ ETF 808524706   1,386,759 56,304 SH   SOLE   56,303 0 0
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805   36,591,844 1,026,419 SH   SOLE   1,022,581 0 3,838
SCHWAB SHORT-TERM US TREASURY ETF SHT TM US TRES 808524862   1,295,423 26,954 SH   SOLE   26,954 0 0
SCHWAB U.S. BROAD MARKET ETF US BRD MKT ETF 808524102   29,824,282 576,872 SH   SOLE   574,147 0 2,725
SCHWAB U.S. LARGE-CAP ETF US LRG CAP ETF 808524201   47,285,223 902,907 SH   SOLE   900,201 0 2,705
SCHWAB U.S. MID-CAP ETF US MID-CAP ETF 808524508   809,103 11,391 SH   SOLE   11,391 0 0
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797   1,274,965 17,557 SH   SOLE   17,556 0 0
SCHWAB US TIPS ETF US TIPS ETF 808524870   543,280 10,362 SH   SOLE   10,362 0 0
SOUTHERN COPPER CORP COM COM 84265V105   454,545 6,336 SH   SOLE   6,336 0 0
SPDR DOW JONES INDUSTRIAL AVERAGE ETF TRUST UT SER 1 78467X109   8,535,732 24,824 SH   SOLE   24,729 0 95
SPDR GOLD SHARES GOLD SHS 78463V107   4,832,543 27,108 SH   SOLE   27,108 0 0
SPDR PORTFOLIO S&P 600 SMALL CAP ETF PORTFOLIO S&P600 78468R853   1,489,592 38,352 SH   SOLE   38,352 0 0
SPDR S&P 500 ETF TRUST TR UNIT 78462F103   32,290,732 72,845 SH   SOLE   72,667 0 178
STARBUCKS CORP COM COM 855244109   833,661 8,416 SH   SOLE   8,415 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS SPONSORED ADS 874039100   3,409,885 33,788 SH   SOLE   33,655 0 133
TESLA INC COM COM 88160R101   517,781 1,978 SH   SOLE   1,978 0 0
TEXAS INSTRS INC COM COM 882508104   2,832,763 15,736 SH   SOLE   15,657 0 78
TEXAS ROADHOUSE INC COM COM 882681109   258,693 2,304 SH   SOLE   2,304 0 0
TOLL BROTHERS INC COM COM 889478103   735,509 9,302 SH   SOLE   9,302 0 0
TRIMBLE INC COM COM 896239100   221,607 4,186 SH   SOLE   4,186 0 0
UNILEVER PLC SPON ADR NEW SPONSORED ADR NEW 904767704   2,692,459 51,649 SH   SOLE   51,366 0 282
UNITED PARCEL SERVICE INC CL B CL B 911312106   2,781,615 15,518 SH   SOLE   15,437 0 81
UNUM GROUP COM COM 91529Y106   516,734 10,833 SH   SOLE   10,833 0 0
VAIL RESORTS INC COM COM 91879Q109   247,984 985 SH   SOLE   985 0 0
VALVOLINE INC COM COM 92047W101   627,917 16,740 SH   SOLE   16,740 0 0
VANGUARD INTERMEDIATE-TERM BOND ETF INTERMED TERM 921937819   21,314,261 283,321 SH   SOLE   283,131 0 190
VANGUARD MID-CAP ETF MID CAP ETF 922908629   437,898 1,989 SH   SOLE   1,989 0 0
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363   284,472 698 SH   SOLE   698 0 0
VANGUARD SHORT-TERM CORPORATE BOND ETF SHRT TRM CORP BD 92206C409   221,532 2,928 SH   SOLE   2,928 0 0
VANGUARD TOTAL STOCK MARKET ETF TOTAL STK MKT 922908769   601,585 2,731 SH   SOLE   2,731 0 0
VERISIGN INC COM COM 92343E102   1,725,055 7,634 SH   SOLE   7,610 0 24
WALGREENS BOOTS ALLIANCE INC COM COM 931427108   1,895,777 66,542 SH   SOLE   66,103 0 438
WALMART INC COM COM 931142103   2,905,426 18,485 SH   SOLE   18,394 0 90
WASTE MGMT INC DEL COM COM 94106L109   3,100,491 17,879 SH   SOLE   17,792 0 86
WEST PHARMACEUTICAL SVSC INC COM COM 955306105   401,211 1,049 SH   SOLE   1,049 0 0
WORKDAY INC CL A CL A 98138H101   2,284,651 10,114 SH   SOLE   10,078 0 36
YUM BRANDS INC COM COM 988498101   240,107 1,733 SH   SOLE   1,733 0 0