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 88579Y101   3,875,137 35,069 SH   SOLE   0 0 35,069
ABBOTT LABS COM 002824100   4,306,053 44,502 SH   SOLE   0 0 44,502
ABBVIE INC COM 00287Y109   4,496,810 33,506 SH   SOLE   0 0 33,506
ABRDN ETFS BBRG ALL COMD K1 003261104   11,218,227 434,310 SH   SOLE   0 0 434,310
ALPHABET INC CAP STK CL C 02079K107   490,269 5,099 SH   SOLE   0 0 5,099
AMAZON COM INC COM 023135106   606,019 5,363 SH   SOLE   0 0 5,363
APPLE INC COM 037833100   690,171 4,994 SH   SOLE   0 0 4,994
ASML HOLDING N V N Y REGISTRY SHS N07059210   465,192 1,120 SH   SOLE   0 0 1,120
AT&T INC COM 00206R102   192,624 12,557 SH   SOLE   0 0 12,557
AUTOMATIC DATA PROCESSING IN COM 053015103   4,682,391 20,701 SH   SOLE   0 0 20,701
BECTON DICKINSON & CO COM 075887109   4,047,772 18,165 SH   SOLE   0 0 18,165
BROADCOM INC COM 11135F101   477,310 1,075 SH   SOLE   0 0 1,075
CATERPILLAR INC COM 149123101   4,022,716 24,516 SH   SOLE   0 0 24,516
CHEVRON CORP NEW COM 166764100   4,338,594 30,198 SH   SOLE   0 0 30,198
CISCO SYS INC COM 17275R102   550,000 13,750 SH   SOLE   0 0 13,750
COCA COLA CO COM 191216100   4,510,051 80,508 SH   SOLE   0 0 80,508
COSTCO WHSL CORP NEW COM 22160K105   541,694 1,147 SH   SOLE   0 0 1,147
EXXON MOBIL CORP COM 30231G102   4,606,013 52,755 SH   SOLE   0 0 52,755
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   11,474,196 114,915 SH   SOLE   0 0 114,915
INTERNATIONAL BUSINESS MACHS COM 459200101   4,510,866 37,967 SH   SOLE   0 0 37,967
ISHARES INC MSCI GBL GOLD MN 46434G855   2,864,329 152,683 SH   SOLE   0 0 152,683
ISHARES INC FRONTIER AND SEL 464286145   288,377 11,843 SH   SOLE   0 0 11,843
ISHARES INC MSCI GBL ETF NEW 46434G848   2,696,718 79,245 SH   SOLE   0 0 79,245
ISHARES INC MSCI MLY ETF NEW 46434G814   564,733 27,971 SH   SOLE   0 0 27,971
ISHARES TR CORE US AGGBD ET 464287226   10,175,248 105,618 SH   SOLE   0 0 105,618
ISHARES TR GLB INFRASTR ETF 464288372   308,371 7,372 SH   SOLE   0 0 7,372
ISHARES TR TIPS BD ETF 464287176   4,106,815 39,150 SH   SOLE   0 0 39,150
ISHARES TR S&P 100 ETF 464287101   342,713 2,109 SH   SOLE   0 0 2,109
ISHARES TR GLOB UTILITS ETF 464288711   346,466 6,327 SH   SOLE   0 0 6,327
ISHARES TR MSCI USA VALUE 46432F388   4,771,702 58,291 SH   SOLE   0 0 58,291
ISHARES TR GLB CNSM STP ETF 464288737   326,049 6,083 SH   SOLE   0 0 6,083
JOHNSON & JOHNSON COM 478160104   4,686,636 28,689 SH   SOLE   0 0 28,689
LOWES COS INC COM 548661107   4,615,808 24,577 SH   SOLE   0 0 24,577
MCDONALDS CORP COM 580135101   4,518,480 19,582 SH   SOLE   0 0 19,582
MEDTRONIC PLC SHS G5960L103   4,005,888 49,608 SH   SOLE   0 0 49,608
META PLATFORMS INC CL A 30303M102   469,045 3,457 SH   SOLE   0 0 3,457
MICROSOFT CORP COM 594918104   1,148,430 4,931 SH   SOLE   0 0 4,931
NEXTERA ENERGY INC COM 65339F101   4,637,353 59,142 SH   SOLE   0 0 59,142
NVIDIA CORPORATION COM 67066G104   704,548 5,804 SH   SOLE   0 0 5,804
PEPSICO INC COM 713448108   4,738,267 29,023 SH   SOLE   0 0 29,023
PRIMERICA INC COM 74164M108   242,148 1,962 SH   SOLE   0 0 1,962
PROCTER AND GAMBLE CO COM 742718109   4,205,054 33,307 SH   SOLE   0 0 33,307
PROSHARES TR S&P 500 DV ARIST 74348A467   5,415,371 67,726 SH   SOLE   0 0 67,726
S&P GLOBAL INC COM 78409V104   4,612,593 15,106 SH   SOLE   0 0 15,106
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   8,274,708 171,461 SH   SOLE   0 0 171,461
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,311,269 18,207 SH   SOLE   0 0 18,207
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,353,764 20,665 SH   SOLE   0 0 20,665
SPDR S&P 500 ETF TR TR UNIT 78462F103   213,951 599 SH   SOLE   0 0 599
SPDR SER TR BLOOMBERG INTL T 78464A516   2,713,030 130,246 SH   SOLE   0 0 130,246
SPDR SER TR PORTFLI TIPS ETF 78464A656   2,511,638 99,039 SH   SOLE   0 0 99,039
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   48,902,200 533,867 SH   SOLE   0 0 533,867
SPDR SER TR BLOOMBERG 1 10 Y 78468R861   1,588,331 87,223 SH   SOLE   0 0 87,223
SPDR SER TR PORTFOLIO AGRGTE 78464A649   11,990,197 480,569 SH   SOLE   0 0 480,569
TARGET CORP COM 87612E106   4,138,260 27,888 SH   SOLE   0 0 27,888
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   6,986,843 97,951 SH   SOLE   0 0 97,951
VANGUARD INDEX FDS TOTAL STK MKT 922908769   6,653,915 37,075 SH   SOLE   0 0 37,075
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,638,845 72,317 SH   SOLE   0 0 72,317
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   13,643,960 283,599 SH   SOLE   0 0 283,599
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   360,668 6,241 SH   SOLE   0 0 6,241
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   4,723,277 70,888 SH   SOLE   0 0 70,888
VANGUARD WORLD FDS ENERGY ETF 92204A306   2,874,323 28,296 SH   SOLE   0 0 28,296
WALMART INC COM 931142103   4,621,600 35,633 SH   SOLE   0 0 35,633
WESTERN DIGITAL CORP. NOTE 1.500% 2/0 958102AP0   17,993 19,000 SH   SOLE   0 0 19,000
WISDOMTREE TR INDIA ERNGS FD 97717W422   439,349 14,386 SH   SOLE   0 0 14,386