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 410 2,500 SH   SOLE   0 0 410
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104 16,130 868,086 SH   SOLE   0 0 16,130
ACTIVISION BLIZZARD INC COM 00507V109 390 4,885 SH   SOLE   0 0 390
ALLSTATE CORP COM 020002101 1,200 8,632 SH   SOLE   0 0 1,200
ALPHABET INC CAP STK CL C 02079K107 560 200 SH   SOLE   0 0 560
ALPHABET INC CAP STK CL A 02079K305 1,180 425 SH   SOLE   0 0 1,180
AMAZON COM INC COM 023135106 950 292 SH   SOLE   0 0 950
ANALOG DEVICES INC COM 032654105 1,160 7,031 SH   SOLE   0 0 1,160
APOLLO GLOBAL MGMT INC COM 03769M106 830 13,338 SH   SOLE   0 0 830
APPLE INC COM 037833100 3,430 19,650 SH   SOLE   0 0 3,430
APPLIED MATLS INC COM 038222105 1,350 10,221 SH   SOLE   0 0 1,350
ARES MANAGEMENT CORPORATION CL A COM STK 03990B101 980 12,007 SH   SOLE   0 0 980
BLACKROCK INC COM 09247X101 390 515 SH   SOLE   0 0 390
BLACKSTONE INC COM 46431W507 940 7,375 SH   SOLE   0 0 940
BORGWARNER INC COM 09260D107 1,010 25,992 SH   SOLE   0 0 1,010
CELANESE CORP DEL COM 099724106 590 4,129 SH   SOLE   0 0 590
CIA ENERGETICA DE MINAS GER SP ADR N-V PFD 150870103 70 21,698 SH   SOLE   0 0 70
CINCINNATI FINL CORP COM 204409601 1,440 10,602 SH   SOLE   0 0 1,440
CISCO SYS INC COM 172062101 480 8,597 SH   SOLE   0 0 480
CITIZENS FINL GROUP INC COM 17275R102 1,220 26,918 SH   SOLE   0 0 1,220
COMERICA INC COM 174610105 550 6,117 SH   SOLE   0 0 550
CORTEVA INC COM 200340107 590 10,343 SH   SOLE   0 0 590
CUMMINS INC COM 22052L104 1,070 5,238 SH   SOLE   0 0 1,070
DISCOVER FINL SVCS COM 231021106 1,120 10,172 SH   SOLE   0 0 1,120
DOW INC COM 254709108 450 7,121 SH   SOLE   0 0 450
EXPEDITORS INTL WASH INC COM 260557103 370 3,556 SH   SOLE   0 0 370
FIRST TR EXCHANGE TRAD FD VI FST TR GLB FD 532457108 270 9,632 SH   SOLE   0 0 270
FREEPORT-MCMORAN INC CL B 302130109 720 14,456 SH   SOLE   0 0 720
GLOBAL X FDS MSCI GREECE ETF 33739H101 1,620 60,951 SH   SOLE   0 0 1,620
GLOBE LIFE INC COM 35671D857 1,170 11,643 SH   SOLE   0 0 1,170
GOLDMAN SACHS GROUP INC COM 37954Y319 210 650 SH   SOLE   0 0 210
HOME DEPOT INC COM 37959E102 2,040 6,801 SH   SOLE   0 0 2,040
HUNT J B TRANS SVCS INC COM 38141G104 560 2,783 SH   SOLE   0 0 560
INTERNATIONAL PAPER CO COM 437076102 960 20,797 SH   SOLE   0 0 960
ISHARES INC US INTL HGH YLD 460146103 5,630 121,964 SH   SOLE   0 0 5,630
ISHARES INC JP MRG EM CRP BD 464287457 260 5,558 SH   SOLE   0 0 260
ISHARES INC JP MORGAN EM ETF 464288166 9,840 266,551 SH   SOLE   0 0 9,840
ISHARES INC MSCI WORLD ETF 464287200 6,140 47,926 SH   SOLE   0 0 6,140
ISHARES TR 1 3 YR TREAS BD 46434V738 6,210 74,553 SH   SOLE   0 0 6,210
ISHARES TR AGENCY BOND ETF 46429B697 2,850 25,345 SH   SOLE   0 0 2,850
ISHARES TR CORE S&P500 ETF 464286178 2,400 5,300 SH   SOLE   0 0 2,400
ISHARES TR CORE MSCI EURO 464287242 1,840 34,500 SH   SOLE   0 0 1,840
ISHARES TR MSCI USA MIN VOL 464286251 1,050 13,500 SH   SOLE   0 0 1,050
ISHARES TR IBOXX INV CP ETF 464286517 570 4,700 SH   SOLE   0 0 570
ISHARES TR JPMORGAN USD EMG 464288281 5,430 55,495 SH   SOLE   0 0 5,430
ISHARES TR LATN AMER 40 ETF 464287390 3,210 105,696 SH   SOLE   0 0 3,210
ISHARES TR MSCI EMG MKT ETF 464287234 18,060 400,013 SH   SOLE   0 0 18,060
ISHARES TR MSCI INDIA ETF 46429B598 4,890 109,725 SH   SOLE   0 0 4,890
ISHARES TR S&P 500 VAL ETF 464286392 470 3,000 SH   SOLE   0 0 470
ISHARES TR US TREAS BD ETF 464287408 5,750 228,820 SH   SOLE   0 0 5,750
ISHARES U S ETF TR BLACKROCK ST MAT 46431W598 10,900 219,849 SH   SOLE   0 0 10,900
ISHARES U S ETF TR BLOOMBERG ROLL 46429B267 7,860 128,077 SH   SOLE   0 0 7,860
JOHNSON & JOHNSON COM 445658107 970 5,495 SH   SOLE   0 0 970
JPMORGAN CHASE & CO COM 46625H100 3,140 23,038 SH   SOLE   0 0 3,140
KKR & CO INC COM 478160104 840 14,409 SH   SOLE   0 0 840
KLA CORP COM NEW 48251W104 1,470 4,008 SH   SOLE   0 0 1,470
LAM RESEARCH CORP COM 482480100 1,270 2,363 SH   SOLE   0 0 1,270
LAS VEGAS SANDS CORP COM 512807108 240 6,230 SH   SOLE   0 0 240
LILLY ELI & CO COM 517834107 570 2,000 SH   SOLE   0 0 570
M & T BK CORP COM 55261F104 1,300 7,671 SH   SOLE   0 0 1,300
MASTERCARD INCORPORATED CL A 57636Q104 560 1,580 SH   SOLE   0 0 560
MCKESSON CORP COM 58155Q103 2,030 6,626 SH   SOLE   0 0 2,030
META PLATFORMS INC CL A 30303M102 510 2,301 SH   SOLE   0 0 510
METLIFE INC COM 59156R108 520 7,386 SH   SOLE   0 0 520
MICROSOFT CORP COM 594918104 470 1,520 SH   SOLE   0 0 470
MORGAN STANLEY COM NEW 617446448 1,760 20,150 SH   SOLE   0 0 1,760
MOSAIC CO NEW COM 65249B109 1,350 20,254 SH   SOLE   0 0 1,350
NEWMONT CORP COM 651639106 1,610 20,223 SH   SOLE   0 0 1,610
NEWS CORP NEW CL A 670346105 390 17,605 SH   SOLE   0 0 390
NUCOR CORP COM 681919106 1,950 13,130 SH   SOLE   0 0 1,950
OMNICOM GROUP INC COM 68389X105 1,340 15,801 SH   SOLE   0 0 1,340
ORACLE CORP COM 695156109 850 10,250 SH   SOLE   0 0 850
PACKAGING CORP AMER COM 74347B706 720 4,603 SH   SOLE   0 0 720
PRICE T ROWE GROUP INC COM 744320102 340 2,263 SH   SOLE   0 0 340
PROSHARES TR ST EMG MKT ETF 747525103 6,490 98,454 SH   SOLE   0 0 6,490
PRUDENTIAL FINL INC COM 751212101 210 1,800 SH   SOLE   0 0 210
QUALCOMM INC COM 7591EP100 370 2,400 SH   SOLE   0 0 370
RALPH LAUREN CORP CL A 770323103 420 3,719 SH   SOLE   0 0 420
REGIONS FINANCIAL CORP NEW COM 81369Y704 1,370 61,718 SH   SOLE   0 0 1,370
ROBERT HALF INTL INC COM 828806109 570 5,022 SH   SOLE   0 0 570
SELECT SECTOR SPDR TR SBI INT-INDS 833034101 240 2,300 SH   SOLE   0 0 240
SIMON PPTY GROUP INC NEW COM 78464A359 250 1,900 SH   SOLE   0 0 250
SNAP ON INC COM 78468R663 1,170 5,704 SH   SOLE   0 0 1,170
SPDR S&P 500 ETF TR TR UNIT 78468R200 3,770 8,350 SH   SOLE   0 0 3,770
SPDR SER TR BLOOMBERG CONV 78464A656 12,850 167,040 SH   SOLE   0 0 12,850
SPDR SER TR BLOOMBERG 1-3 MO 78462F103 9,370 102,437 SH   SOLE   0 0 9,370
SPDR SER TR BLOOMBERG INVT 78467V707 18,290 599,731 SH   SOLE   0 0 18,290
SPDR SER TR PORTFLI TIPS ETF 74144T108 17,710 585,222 SH   SOLE   0 0 17,710
SSGA ACTIVE ETF TR ULT SHT TRM BD 61945C103 2,220 55,580 SH   SOLE   0 0 2,220
T-MOBILE US INC COM 872590104 7,880 61,400 SH   SOLE   0 0 7,880
US BANCORP DEL COM NEW 902973304 410 7,791 SH   SOLE   0 0 410
VANECK ETF TRUST RARE EARTH/STRTG 92189H805 1,420 11,966 SH   SOLE   0 0 1,420
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,310 29,050 SH   SOLE   0 0 2,310
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 921946885 400 8,568 SH   SOLE   0 0 400
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042858 10,230 100,963 SH   SOLE   0 0 10,230
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 270 4,351 SH   SOLE   0 0 270
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 5,890 62,923 SH   SOLE   0 0 5,890
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 210 3,569 SH   SOLE   0 0 210
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 922042742 260 3,278 SH   SOLE   0 0 260
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 92206C409 320 4,594 SH   SOLE   0 0 320