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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   3,834,711 25,757 SH   SOLE   0 0 25,757
ABBOTT LABS COM 002824100   4,054,309 34,254 SH   SOLE   0 0 34,254
ABBVIE INC COM 00287Y109   4,726,522 29,156 SH   SOLE   0 0 29,156
ABRDN ETFS BBRG ALL COMD K1 003261104   8,726,888 303,861 SH   SOLE   0 0 303,861
ADOBE SYSTEMS INCORPORATED COM 00724F101   923,086 2,026 SH   SOLE   0 0 2,026
ALPHABET INC CAP STK CL C 02079K107   851,861 305 SH   SOLE   0 0 305
AMAZON COM INC COM 023135106   821,507 252 SH   SOLE   0 0 252
AMCOR PLC ORD G0250X107   347,857 30,702 SH   SOLE   0 0 30,702
APPLE INC COM 037833100   1,329,830 7,616 SH   SOLE   0 0 7,616
ASML HOLDING N V N Y REGISTRY SHS N07059210   931,762 1,395 SH   SOLE   0 0 1,395
AT&T INC COM 00206R102   553,013 23,403 SH   SOLE   0 0 23,403
AUTOMATIC DATA PROCESSING IN COM 053015103   4,207,737 18,492 SH   SOLE   0 0 18,492
BANK AMERICA CORP COM 060505104   212,160 5,147 SH   SOLE   0 0 5,147
BROADCOM INC COM 11135F101   913,666 1,451 SH   SOLE   0 0 1,451
CATERPILLAR INC COM 149123101   4,412,869 19,805 SH   SOLE   0 0 19,805
CHEVRON CORP NEW COM 166764100   4,672,602 28,696 SH   SOLE   0 0 28,696
CHUBB LIMITED COM H1467J104   425,950 1,991 SH   SOLE   0 0 1,991
COCA COLA CO COM 191216100   4,380,644 70,655 SH   SOLE   0 0 70,655
COMCAST CORP NEW CL A 20030N101   900,957 19,243 SH   SOLE   0 0 19,243
DIAGEO PLC SPON ADR NEW 25243Q205   387,185 1,906 SH   SOLE   0 0 1,906
EXXON MOBIL CORP COM 30231G102   4,579,246 55,446 SH   SOLE   0 0 55,446
FLEXSHARES TR MORNSTAR UPSTR 33939L407   323,783 6,914 SH   SOLE   0 0 6,914
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   5,670,696 56,741 SH   SOLE   0 0 56,741
INFOSYS LTD SPONSORED ADR 456788108   397,717 15,979 SH   SOLE   0 0 15,979
INTERNATIONAL BUSINESS MACHS COM 459200101   4,234,744 32,570 SH   SOLE   0 0 32,570
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887   1,549,614 31,098 SH   SOLE   0 0 31,098
ISHARES GOLD TR ISHARES NEW 464285204   1,792,258 48,663 SH   SOLE   0 0 48,663
ISHARES INC MSCI MLY ETF NEW 46434G814   240,273 9,382 SH   SOLE   0 0 9,382
ISHARES INC MSCI GBL GOLD MN 46434G855   2,777,019 89,379 SH   SOLE   0 0 89,379
ISHARES INC FRONTIER AND SEL 464286145   276,730 8,512 SH   SOLE   0 0 8,512
ISHARES INC MSCI CDA ETF 464286509   698,126 17,362 SH   SOLE   0 0 17,362
ISHARES INC MSCI GBL ETF NEW 46434G848   2,765,122 53,985 SH   SOLE   0 0 53,985
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107   377,643 16,673 SH   SOLE   0 0 16,673
ISHARES TR S&P 100 ETF 464287101   462,706 2,219 SH   SOLE   0 0 2,219
ISHARES TR TIPS BD ETF 464287176   4,803,969 38,564 SH   SOLE   0 0 38,564
ISHARES TR CRE U S REIT ETF 464288521   8,338,375 128,977 SH   SOLE   0 0 128,977
ISHARES TR GLB CNSM STP ETF 464288737   240,986 3,880 SH   SOLE   0 0 3,880
ISHARES TR 7-10 YR TRSY BD 464287440   559,382 5,205 SH   SOLE   0 0 5,205
ISHARES TR MSCI USA VALUE 46432F388   7,936,236 75,894 SH   SOLE   0 0 75,894
ISHARES TR GLOBAL ENERG ETF 464287341   223,226 6,175 SH   SOLE   0 0 6,175
ISHARES TR 20 YR TR BD ETF 464287432   247,782 1,876 SH   SOLE   0 0 1,876
ISHARES TR MSCI EAFE ETF 464287465   439,466 5,971 SH   SOLE   0 0 5,971
ISHARES TR GLB INFRASTR ETF 464288372   332,777 6,543 SH   SOLE   0 0 6,543
ISHARES TR CORE US AGGBD ET 464287226   10,610,889 99,074 SH   SOLE   0 0 99,074
ISHARES TR RUSSELL 2000 ETF 464287655   209,375 1,020 SH   SOLE   0 0 1,020
ISHARES TR SHORT TREAS BD 464288679   1,741,399 15,795 SH   SOLE   0 0 15,795
JOHNSON & JOHNSON COM 478160104   4,274,336 24,117 SH   SOLE   0 0 24,117
LINDE PLC SHS G54950103   397,430 1,244 SH   SOLE   0 0 1,244
LOWES COS INC COM 548661107   3,522,582 17,422 SH   SOLE   0 0 17,422
MCDONALDS CORP COM 580135101   4,077,566 16,490 SH   SOLE   0 0 16,490
MEDTRONIC PLC SHS G5960L103   4,137,228 37,289 SH   SOLE   0 0 37,289
META PLATFORMS INC CL A 30303M102   1,062,881 4,780 SH   SOLE   0 0 4,780
MICROSOFT CORP COM 594918104   2,014,806 6,535 SH   SOLE   0 0 6,535
NEXTERA ENERGY INC COM 65339F101   4,178,589 49,328 SH   SOLE   0 0 49,328
NIKE INC CL B 654106103   226,061 1,680 SH   SOLE   0 0 1,680
NOVARTIS AG SPONSORED ADR 66987V109   340,689 3,882 SH   SOLE   0 0 3,882
NVIDIA CORPORATION COM 67066G104   2,700,768 9,898 SH   SOLE   0 0 9,898
PEPSICO INC COM 713448108   4,236,590 25,311 SH   SOLE   0 0 25,311
PIMCO ETF TR 0-5 HIGH YIELD 72201R783   2,363,456 24,566 SH   SOLE   0 0 24,566
PRIMERICA INC COM 74164M108   265,945 1,944 SH   SOLE   0 0 1,944
PROCTER AND GAMBLE CO COM 742718109   4,193,717 27,446 SH   SOLE   0 0 27,446
PROSHARES TR S&P 500 DV ARIST 74348A467   5,915,455 62,327 SH   SOLE   0 0 62,327
S&P GLOBAL INC COM 78409V104   4,512,116 11,000 SH   SOLE   0 0 11,000
SANOFI SPONSORED ADR 80105N105   382,090 7,442 SH   SOLE   0 0 7,442
SAP SE SPON ADR 803054204   328,109 2,957 SH   SOLE   0 0 2,957
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   4,403,413 88,886 SH   SOLE   0 0 88,886
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,603,645 21,537 SH   SOLE   0 0 21,537
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,521,291 20,046 SH   SOLE   0 0 20,046
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,647,282 21,550 SH   SOLE   0 0 21,550
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,488,578 38,846 SH   SOLE   0 0 38,846
SHERWIN WILLIAMS CO COM 824348106   3,373,644 13,515 SH   SOLE   0 0 13,515
SONY GROUP CORPORATION SPONSORED ADR 835699307   329,802 3,211 SH   SOLE   0 0 3,211
SPDR GOLD TR GOLD SHS 78463V107   229,967 1,273 SH   SOLE   0 0 1,273
SPDR S&P 500 ETF TR TR UNIT 78462F103   775,466 1,717 SH   SOLE   0 0 1,717
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   9,278,824 18,919 SH   SOLE   0 0 18,919
SPDR SER TR PORTFOLIO AGRGTE 78464A649   10,115,727 364,006 SH   SOLE   0 0 364,006
SPDR SER TR BLOOMBERG HIGH Y 78468R622   8,569,366 83,604 SH   SOLE   0 0 83,604
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   23,148,156 253,179 SH   SOLE   0 0 253,179
TARGET CORP COM 87612E106   3,551,112 16,733 SH   SOLE   0 0 16,733
UNILEVER PLC SPON ADR NEW 904767704   308,522 6,770 SH   SOLE   0 0 6,770
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   470,930 5,921 SH   SOLE   0 0 5,921
VANGUARD INDEX FDS TOTAL STK MKT 922908769   10,306,575 45,270 SH   SOLE   0 0 45,270
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,903,499 17,564 SH   SOLE   0 0 17,564
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,258,325 48,956 SH   SOLE   0 0 48,956
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   6,115,140 119,413 SH   SOLE   0 0 119,413
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   7,555,635 91,197 SH   SOLE   0 0 91,197
VANGUARD WORLD FDS ENERGY ETF 92204A306   2,826,135 26,403 SH   SOLE   0 0 26,403
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   315,023 1,608 SH   SOLE   0 0 1,608
WALMART INC COM 931142103   4,196,772 28,181 SH   SOLE   0 0 28,181
WESTERN DIGITAL CORP. NOTE 1.500% 2/0 958102AP0   18,335 19,000 SH   SOLE   0 0 19,000