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
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104 14,300 825,189 SH   SOLE   0 0 14,300
ALLSTATE CORP COM 020002101 300 2,366 SH   SOLE   0 0 300
ALPHABET INC CAP STK CL A 02079K305 930 425 SH   SOLE   0 0 930
AMAZON COM INC COM 023135106 450 4,240 SH   SOLE   0 0 450
AMERICAN INTL GROUP INC COM NEW 026874784 880 17,172 SH   SOLE   0 0 880
ANALOG DEVICES INC COM 032654105 290 2,002 SH   SOLE   0 0 290
APA CORPORATION COM 03743Q108 370 10,541 SH   SOLE   0 0 370
APOLLO GLOBAL MGMT INC COM 03769M106 650 13,338 SH   SOLE   0 0 650
APPLE INC COM 037833100 2,940 21,506 SH   SOLE   0 0 2,940
APPLIED MATERIALS INC COM 038222105 710 7,771 SH   SOLE   0 0 710
ARES MANAGEMENT RG -A- CL A COM STK 03990B101 680 12,007 SH   SOLE   0 0 680
BAKER HUGHES A GE COMPANY -A- CL A 05722G100 370 12,471 SH   SOLE   0 0 370
BLACKSTONE INC COM 09260D107 670 7,375 SH   SOLE   0 0 670
BORGWARNER COM 099724106 240 7,279 SH   SOLE   0 0 240
CF INDS HLDGS INC COM 125269100 870 10,203 SH   SOLE   0 0 870
CHEVRON CORP NEW COM 166764100 830 5,749 SH   SOLE   0 0 830
CINCINNATI FINL CORP COM 172062101 770 6,445 SH   SOLE   0 0 770
CISCO SYS INC COM 17275R102 470 11,020 SH   SOLE   0 0 470
CITIZENS FINL GROUP INC COM 174610105 270 7,583 SH   SOLE   0 0 270
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 910 13,445 SH   SOLE   0 0 910
CONOCOPHILLIPS COM 20825C104 800 8,907 SH   SOLE   0 0 800
COTERRA ENERGY INC COM 127097103 750 29,190 SH   SOLE   0 0 750
CUMMINS INC COM 231021106 280 1,439 SH   SOLE   0 0 280
DEVON ENERGY CORP NEW COM 25179M103 370 6,625 SH   SOLE   0 0 370
DISCOVER FINL SVCS COM 254709108 260 2,767 SH   SOLE   0 0 260
EOG RES INC COM 26875P101 360 3,283 SH   SOLE   0 0 360
EXPEDITORS INTL WASH INC COM 302130109 400 4,151 SH   SOLE   0 0 400
EXXON MOBIL CORP COM 30231G102 890 10,439 SH   SOLE   0 0 890
FIRST TR EXCH TRADED FD III EME MRK BD ETF 33739P202 280 10,300 SH   SOLE   0 0 280
FREEPORT-MCMORAN INC CL B 35671D857 810 27,798 SH   SOLE   0 0 810
GLOBAL X FDS MSCI GREECE ETF 37954Y319 390 16,483 SH   SOLE   0 0 390
GLOBE LIFE INC COM 37959E102 760 7,842 SH   SOLE   0 0 760
HOME DEPOT INC COM 437076102 1,870 6,801 SH   SOLE   0 0 1,870
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107 13,730 478,736 SH   SOLE   0 0 13,730
INTEL CORP COM 458140100 240 6,393 SH   SOLE   0 0 240
INTERNATIONAL PAPER CO COM 460146103 240 5,716 SH   SOLE   0 0 240
ISHARES INC US INTL HGH YLD 464286178 5,160 127,071 SH   SOLE   0 0 5,160
ISHARES INC JP MRG EM CRP BD 464286251 240 5,558 SH   SOLE   0 0 240
ISHARES INC JP MORGAN EM ETF 464286517 9,620 281,418 SH   SOLE   0 0 9,620
ISHARES INC MSCI WORLD ETF 464286392 7,310 68,365 SH   SOLE   0 0 7,310
ISHARES TR 1 3 YR TREAS BD 464287457 6,520 78,724 SH   SOLE   0 0 6,520
ISHARES TR CORE S&P500 ETF 464287200 1,420 3,750 SH   SOLE   0 0 1,420
ISHARES TR CORE MSCI EURO 46434V738 880 19,500 SH   SOLE   0 0 880
ISHARES TR IBOXX INV CP ETF 464287242 520 4,700 SH   SOLE   0 0 520
ISHARES TR JPMORGAN USD EMG 464288281 7,000 82,064 SH   SOLE   0 0 7,000
ISHARES TR LATN AMER 40 ETF 464287390 2,870 127,149 SH   SOLE   0 0 2,870
ISHARES TR MSCI CHINA ETF 46429B671 1,480 26,534 SH   SOLE   0 0 1,480
ISHARES TR MSCI EMG MKT ETF 464287234 19,820 494,323 SH   SOLE   0 0 19,820
ISHARES TR MSCI INDIA ETF 46429B598 4,900 124,560 SH   SOLE   0 0 4,900
ISHARES TR US TREAS BD ETF 46429B267 8,840 369,738 SH   SOLE   0 0 8,840
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 11,410 231,606 SH   SOLE   0 0 11,410
ISHARES U S ETF TR INT RT HD EMRG 46431W820 2,150 103,580 SH   SOLE   0 0 2,150
ISHARES U S ETF TR BLOOMBERG ROLL 46431W598 6,490 111,435 SH   SOLE   0 0 6,490
JOHNSON & JOHNSON COM 478160104 980 5,495 SH   SOLE   0 0 980
JPMORGAN CHASE & CO COM 46625H100 2,440 21,672 SH   SOLE   0 0 2,440
KKR & CO INC COM 48251W104 670 14,409 SH   SOLE   0 0 670
KLA CORP COM NEW 482480100 790 2,468 SH   SOLE   0 0 790
LAM RESEARCH CORP COM 512807108 750 1,769 SH   SOLE   0 0 750
LAS VEGAS SANDS CORP COM 517834107 210 6,230 SH   SOLE   0 0 210
LOCKHEED MARTIN CORP COM 539830109 440 1,022 SH   SOLE   0 0 440
M & T BK CORP COM 55261F104 360 2,256 SH   SOLE   0 0 360
MASTERCARD INCORPORATED CL A 57636Q104 500 1,580 SH   SOLE   0 0 500
MCKESSON CORP COM 58155Q103 600 1,844 SH   SOLE   0 0 600
MERCK & CO INC COM 58933Y105 490 5,419 SH   SOLE   0 0 490
META PLATFORMS INC CL A 30303M102 290 1,801 SH   SOLE   0 0 290
MICRON TECHNOLOGY INC COM 595112103 750 13,574 SH   SOLE   0 0 750
MORGAN STANLEY COM NEW 617446448 1,530 20,150 SH   SOLE   0 0 1,530
MOSAIC CO NEW COM 61945C103 1,030 21,910 SH   SOLE   0 0 1,030
NETAPP INC COM 64110D104 450 6,891 SH   SOLE   0 0 450
NEWMONT CORP COM 651639106 330 5,543 SH   SOLE   0 0 330
NUCOR CORP COM 670346105 1,170 11,239 SH   SOLE   0 0 1,170
OLD DOMINION FREIGHT LINE IN COM 679580100 990 3,869 SH   SOLE   0 0 990
OMNICOM GROUP INC COM 681919106 280 4,396 SH   SOLE   0 0 280
ORACLE CORP COM 68389X105 720 10,250 SH   SOLE   0 0 720
PFIZER INC COM 717081103 1,000 18,981 SH   SOLE   0 0 1,000
PIONEER NAT RES CO COM 723787107 810 3,621 SH   SOLE   0 0 810
PRINCIPAL FINANCIAL GROUP IN COM 74251V102 460 6,829 SH   SOLE   0 0 460
QUALCOMM INC COM 747525103 210 1,650 SH   SOLE   0 0 210
RALPH LAUREN CORP CL A 751212101 400 4,464 SH   SOLE   0 0 400
REGIONS FINANCIAL CORP NEW COM 7591EP100 320 17,294 SH   SOLE   0 0 320
ROBERT HALF INTL INC COM 770323103 840 11,213 SH   SOLE   0 0 840
ROSS STORES INC COM 778296103 830 11,869 SH   SOLE   0 0 830
SMITH A O CORP COM 831865209 910 16,681 SH   SOLE   0 0 910
SNAP ON INC COM 833034101 310 1,582 SH   SOLE   0 0 310
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,580 6,850 SH   SOLE   0 0 2,580
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 9,140 99,908 SH   SOLE   0 0 9,140
SPDR SER TR BLOOMBERG INVT 78468R200 19,160 636,346 SH   SOLE   0 0 19,160
SPDR SER TR PORTFLI TIPS ETF 78464A656 17,520 636,736 SH   SOLE   0 0 17,520
SSGA ACTIVE ETF TR ULT SHT TRM BD 78467V707 2,190 55,067 SH   SOLE   0 0 2,190
TAPESTRY INC COM 876030107 440 14,333 SH   SOLE   0 0 440
TEXTRON INC COM 883203101 460 7,571 SH   SOLE   0 0 460
T-MOBILE US INC COM 872590104 8,130 60,400 SH   SOLE   0 0 8,130
TRACTOR SUPPLY CO COM 892356106 1,030 5,323 SH   SOLE   0 0 1,030
TYSON FOODS INC CL A 902494103 970 11,260 SH   SOLE   0 0 970
UNITEDHEALTH GROUP INC COM 91324P102 470 907 SH   SOLE   0 0 470
VANECK ETF TRUST RARE EARTH/STRTG 92189H805 1,240 14,323 SH   SOLE   0 0 1,240
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,190 29,050 SH   SOLE   0 0 2,190
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 430 10,440 SH   SOLE   0 0 430
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 8,870 103,891 SH   SOLE   0 0 8,870
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 270 4,351 SH   SOLE   0 0 270
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 5,650 69,628 SH   SOLE   0 0 5,650
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 200 3,458 SH   SOLE   0 0 200
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 270 3,504 SH   SOLE   0 0 270
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 300 4,906 SH   SOLE   0 0 300