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
ABBVIE INC COM 00287Y109 340 2,500 SH   SOLE   0 0 2,500
ABERDEEN STD GOLD ETF TR PHYSCL GOLD SHS 00326A104 15,400 876,971 SH   SOLE   0 0 876,971
ACTIVISION BLIZZARD INC COM 00507V109 340 5,125 SH   SOLE   0 0 4,990
ADVANCED MICRO DEVICES INC COM 007903107 220 1,500 SH   SOLE   0 0 1,500
ALLSTATE CORP COM 020002101 1,120 9,524 SH   SOLE   0 0 9,524
ALPHABET INC CAP STK CL A 02079K305 1,140 395 SH   SOLE   0 0 200
ALPHABET INC CAP STK CL C 02079K107 580 200 SH   SOLE   0 0 395
AMAZON COM INC COM 023135106 830 249 SH   SOLE   0 0 294
ANALOG DEVICES INC COM 032654105 1,260 7,167 SH   SOLE   0 0 7,167
APOLLO GLOBAL MGMT INC COM CL A 03768E105 970 13,338 SH   SOLE   0 0 13,338
APPLE INC COM 037833100 3,420 19,271 SH   SOLE   0 0 19,271
ARES MANAGEMENT CORPORATION CL A COM STK 03990B101 980 12,007 SH   SOLE   0 0 12,007
BLACKROCK INC COM 09247X101 490 530 SH   SOLE   0 0 530
BLACKSTONE INC COM 09260D107 950 7,375 SH   SOLE   0 0 7,375
BORGWARNER INC COM 099724106 1,200 26,613 SH   SOLE   0 0 26,613
CELANESE CORP DEL COM 150870103 710 4,218 SH   SOLE   0 0 4,218
CINCINNATI FINL CORP COM 172062101 1,240 10,842 SH   SOLE   0 0 10,842
CISCO SYS INC COM 17275R102 560 8,840 SH   SOLE   0 0 8,840
CITIZENS FINL GROUP INC COM 174610105 1,300 27,502 SH   SOLE   0 0 27,502
COMERICA INC COM 200340107 550 6,283 SH   SOLE   0 0 6,283
CORTEVA INC COM 22052L104 500 10,642 SH   SOLE   0 0 10,642
CUMMINS INC COM 231021106 1,170 5,366 SH   SOLE   0 0 5,366
DISCOVER FINL SVCS COM 254709108 1,200 10,419 SH   SOLE   0 0 10,419
DOW INC COM 260557103 420 7,378 SH   SOLE   0 0 7,378
EXPEDITORS INTL WASH INC COM 302130109 490 3,665 SH   SOLE   0 0 3,665
FIRST TR EXCH TRADED FD III EME MRK BD ETF 33739P202 320 10,300 SH   SOLE   0 0 10,300
FIRST TR EXCHANGE TRAD FD VI FST TR GLB FD 33739H101 210 9,199 SH   SOLE   0 0 9,199
FREEPORT-MCMORAN INC CL B 35671D857 520 12,469 SH   SOLE   0 0 12,469
GENERAL MTRS CO COM 37045V100 220 3,700 SH   SOLE   0 0 3,700
GLOBAL X FDS MSCI GREECE ETF 37954Y319 1,600 60,483 SH   SOLE   0 0 60,483
GLOBE LIFE INC COM 37959E102 1,120 11,921 SH   SOLE   0 0 11,921
HOME DEPOT INC COM 437076102 2,800 6,750 SH   SOLE   0 0 6,750
HUNT J B TRANS SVCS INC COM 445658107 580 2,855 SH   SOLE   0 0 2,855
INTEL CORP COM 458140100 1,200 23,299 SH   SOLE   0 0 23,299
INTERNATIONAL PAPER CO COM 460146103 1,010 21,405 SH   SOLE   0 0 21,405
ISHARES IBOXX INV CP ETF 464287242 620 4,700 SH   SOLE   0 0 4,700
ISHARES INC US INTL HGH YLD 464286178 6,080 123,281 SH   SOLE   0 0 123,281
ISHARES TR JP MORGAN EM ETF 464286517 10,450 266,336 SH   SOLE   0 0 266,336
ISHARES TR MSCI WORLD ETF 464286392 6,380 47,177 SH   SOLE   0 0 47,177
ISHARES TR JP MRG EM CRP BD 464286251 280 5,558 SH   SOLE   0 0 5,558
ISHARES TR CORE MSCI EURO 46434V738 2,010 34,500 SH   SOLE   0 0 34,500
ISHARES TR MSCI USA MIN VOL 46429B697 1,090 13,500 SH   SOLE   0 0 13,500
ISHARES TR BLOOMBERG ROLL 46429B598 4,960 108,219 SH   SOLE   0 0 4,960
ISHARES TR CORE S&P500 ETF 464287200 2,550 5,355 SH   SOLE   0 0 5,355
ISHARES TR US TREAS BD ETF 46429B267 6,100 230,852 SH   SOLE   0 0 230,852
ISHARES TR JPMORGAN USD EMG 464288281 6,160 56,495 SH   SOLE   0 0 56,495
ISHARES TR AGENCY BOND ETF 464288166 3,020 25,812 SH   SOLE   0 0 25,812
ISHARES TR 1 3 YR TREAS BD 464287457 6,470 75,609 SH   SOLE   0 0 75,609
ISHARES TR S&P 500 VAL ETF 464287408 470 3,000 SH   SOLE   0 0 3,000
ISHARES TR LATN AMER 40 ETF 464287390 2,420 103,266 SH   SOLE   0 0 103,266
ISHARES TR MSCI EMG MKT ETF 464287234 19,580 400,784 SH   SOLE   0 0 400,784
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 11,160 223,456 SH   SOLE   0 0 223,456
ISHARES U S ETF TR BLOOMBERG ROLL 46431W598 5,870 118,656 SH   SOLE   0 0 118,656
JOHNSON & JOHNSON COM 478160104 940 5,495 SH   SOLE   0 0 5,495
JPMORGAN CHASE & CO COM 46625H100 3,630 22,896 SH   SOLE   0 0 22,896
KKR & CO INC COM 48251W104 1,070 14,409 SH   SOLE   0 0 14,409
KLA CORP COM NEW 482480100 1,750 4,075 SH   SOLE   0 0 4,075
LAM RESEARCH CORP COM 512807108 1,460 2,029 SH   SOLE   0 0 2,029
LAS VEGAS SANDS CORP COM 517834107 230 6,230 SH   SOLE   0 0 6,230
LILLY ELI & CO COM 532457108 550 2,000 SH   SOLE   0 0 2,000
M & T BK CORP COM 55261F104 1,200 7,837 SH   SOLE   0 0 7,837
MASTERCARD INCORPORATED CL A 57636Q104 570 1,580 SH   SOLE   0 0 1,580
MCKESSON CORP COM 58155Q103 1,680 6,751 SH   SOLE   0 0 6,751
META PLATFORMS INC CL A 30303M102 670 1,985 SH   SOLE   0 0 1,985
METLIFE INC COM 59156R108 480 7,620 SH   SOLE   0 0 7,620
MICROSOFT CORP COM 594918104 470 1,400 SH   SOLE   0 0 1,400
MORGAN STANLEY COM NEW 617446448 1,960 20,000 SH   SOLE   0 0 20,000
MOSAIC CO NEW COM 61945C103 810 20,647 SH   SOLE   0 0 20,647
NEWMONT CORP COM 651639106 1,290 20,725 SH   SOLE   0 0 20,725
NEWS CORP NEW CL A 65249B109 410 18,247 SH   SOLE   0 0 18,254
NUCOR CORP COM 670346105 1,530 13,378 SH   SOLE   0 0 13,378
OMNICOM GROUP INC COM 681919106 1,190 16,206 SH   SOLE   0 0 16,206
ORACLE CORP COM 68389X105 890 10,250 SH   SOLE   0 0 10,250
PACKAGING CORP AMER COM 695156109 640 4,707 SH   SOLE   0 0 4,707
PRICE T ROWE GROUP INC COM 74144T108 460 2,332 SH   SOLE   0 0 2,332
PROSHARES TR ST EMG MKT ETF 74347B706 7,090 99,037 SH   SOLE   0 0 99,037
QUALCOMM INC COM 747525103 300 1,620 SH   SOLE   0 0 1,620
RALPH LAUREN CORP CL A 751212101 460 3,832 SH   SOLE   0 0 3,832
REGIONS FINANCIAL CORP NEW COM 7591EP100 1,370 62,952 SH   SOLE   0 0 62,952
ROBERT HALF INTL INC COM 770323103 570 5,151 SH   SOLE   0 0 5,151
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 240 2,300 SH   SOLE   0 0 2,300
SIMON PPTY GROUP INC NEW COM 828806109 300 1,900 SH   SOLE   0 0 1,900
SNAP ON INC COM 833034101 1,260 5,836 SH   SOLE   0 0 5,836
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,970 8,350 SH   SOLE   0 0 8,350
SPDR SER TR BLOOMBERG CONV 78464A359 13,990 168,684 SH   SOLE   0 0 168,684
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 9,640 105,468 SH   SOLE   0 0 105,468
SPDR SER TR BLOOMBERG INVT 78468R200 18,590 607,736 SH   SOLE   0 0 607,736
SPDR SER TR PORTFLI TIPS ETF 78464A656 18,700 593,609 SH   SOLE   0 0 593,609
SSGA ACTIVE ETF TR ULT SHT TRM BD 78467V707 2,260 56,159 SH   SOLE   0 0 56,159
STARBUCKS CORP COM 855244109 230 2,000 SH   SOLE   0 0 2,000
T-MOBILE US INC COM 74144T108 7,120 61,400 SH   SOLE   0 0 61,400
US BANCORP DEL COM NEW 902973304 450 8,035 SH   SOLE   0 0 8,035
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,460 29,050 SH   SOLE   0 0 29,050
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 420 8,568 SH   SOLE   0 0 8,568
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 10,850 100,963 SH   SOLE   0 0 100,963
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 6,740 63,637 SH   SOLE   0 0 63,637
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 290 4,351 SH   SOLE   0 0 4,351
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 270 3,278 SH   SOLE   0 0 3,278
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 220 3,569 SH   SOLE   0 0 3,569
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 350 4,470 SH   SOLE   0 0 4,470