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
ABBOTT LABS COM 002824100   5,896,785 51,881 SH   SOLE   0 0 51,881
ABBVIE INC COM 00287Y109   6,447,233 35,405 SH   SOLE   0 0 35,405
ABRDN ETFS BBRG ALL COMD K1 003261104   17,855,945 903,184 SH   SOLE   0 0 903,184
ADOBE INC COM 00724F101   815,433 1,616 SH   SOLE   0 0 1,616
ALPHABET INC CAP STK CL C 02079K107   1,084,091 7,120 SH   SOLE   0 0 7,120
AMAZON COM INC COM 023135106   1,277,811 7,084 SH   SOLE   0 0 7,084
AMCOR PLC ORD G0250X107   353,606 37,183 SH   SOLE   0 0 37,183
APPLE INC COM 037833100   1,375,638 8,022 SH   SOLE   0 0 8,022
ASML HOLDING N V N Y REGISTRY SHS N07059210   1,032,600 1,064 SH   SOLE   0 0 1,064
AUTOMATIC DATA PROCESSING IN COM 053015103   5,774,164 23,121 SH   SOLE   0 0 23,121
BROADCOM INC COM 11135F101   1,020,663 770 SH   SOLE   0 0 770
CATERPILLAR INC COM 149123101   6,538,930 17,845 SH   SOLE   0 0 17,845
CHEVRON CORP NEW COM 166764100   5,712,501 36,214 SH   SOLE   0 0 36,214
CHUBB LIMITED COM H1467J104   380,490 1,468 SH   SOLE   0 0 1,468
COCA COLA CO COM 191216100   5,681,338 92,863 SH   SOLE   0 0 92,863
CONOCOPHILLIPS COM 20825C104   205,812 1,617 SH   SOLE   0 0 1,617
COSTCO WHSL CORP NEW COM 22160K105   975,162 1,331 SH   SOLE   0 0 1,331
EXXON MOBIL CORP COM 30231G102   5,952,504 51,209 SH   SOLE   0 0 51,209
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   16,579,539 365,913 SH   SOLE   0 0 365,913
FRANKLIN ETF TR SHRT DUR US GOVT 353506108   3,684,521 40,870 SH   SOLE   0 0 40,870
GENERAL DYNAMICS CORP COM 369550108   5,742,616 20,329 SH   SOLE   0 0 20,329
GLOBAL X FDS GB MSCI AR ETF 37950E259   276,739 5,145 SH   SOLE   0 0 5,145
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   4,527,232 44,873 SH   SOLE   0 0 44,873
ILLINOIS TOOL WKS INC COM 452308109   5,819,264 21,687 SH   SOLE   0 0 21,687
INFOSYS LTD SPONSORED ADR 456788108   328,099 18,299 SH   SOLE   0 0 18,299
INTERNATIONAL BUSINESS MACHS COM 459200101   6,550,155 34,301 SH   SOLE   0 0 34,301
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887   835,941 16,756 SH   SOLE   0 0 16,756
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784   14,603,591 713,763 SH   SOLE   0 0 713,763
INVESCO QQQ TR UNIT SER 1 46090E103   820,975 1,849 SH   SOLE   0 0 1,849
ISHARES GOLD TR ISHARES NEW 464285204   2,477,414 58,972 SH   SOLE   0 0 58,972
ISHARES INC MSCI JPN ETF NEW 46434G822   977,067 13,694 SH   SOLE   0 0 13,694
ISHARES INC FRONTIER AND SEL 464286145   525,157 18,330 SH   SOLE   0 0 18,330
ISHARES TR MSCI EAFE ETF 464287465   18,431,566 230,798 SH   SOLE   0 0 230,798
ISHARES TR U.S. REAL ES ETF 464287739   622,468 6,924 SH   SOLE   0 0 6,924
ISHARES TR CORE US AGGBD ET 464287226   17,233,037 175,955 SH   SOLE   0 0 175,955
ISHARES TR MSCI USA VALUE 46432F388   2,508,243 23,158 SH   SOLE   0 0 23,158
ISHARES TR TIPS BD ETF 464287176   7,407,216 68,962 SH   SOLE   0 0 68,962
ISHARES TR 7-10 YR TRSY BD 464287440   17,296,430 182,722 SH   SOLE   0 0 182,722
ISHARES TR IBOXX HI YD ETF 464288513   2,575,102 33,129 SH   SOLE   0 0 33,129
ISHARES TR BROAD USD HIGH 46435U853   2,669,705 72,963 SH   SOLE   0 0 72,963
ISHARES TR CRE U S REIT ETF 464288521   17,985,673 334,306 SH   SOLE   0 0 334,306
JOHNSON & JOHNSON COM 478160104   5,564,037 35,173 SH   SOLE   0 0 35,173
LINDE PLC SHS G54950103   380,292 819 SH   SOLE   0 0 819
LOWES COS INC COM 548661107   6,516,382 25,581 SH   SOLE   0 0 25,581
MASTERCARD INCORPORATED CL A 57636Q104   261,506 543 SH   SOLE   0 0 543
MCDONALDS CORP COM 580135101   5,596,537 19,849 SH   SOLE   0 0 19,849
MEDTRONIC PLC SHS G5960L103   5,885,287 67,531 SH   SOLE   0 0 67,531
META PLATFORMS INC CL A 30303M102   1,015,387 2,091 SH   SOLE   0 0 2,091
MICROSOFT CORP COM 594918104   1,903,373 4,524 SH   SOLE   0 0 4,524
NEXTERA ENERGY INC COM 65339F101   6,172,889 96,587 SH   SOLE   0 0 96,587
NOVARTIS AG SPONSORED ADR 66987V109   342,603 3,542 SH   SOLE   0 0 3,542
NOVO-NORDISK A S ADR 670100205   379,037 2,952 SH   SOLE   0 0 2,952
NVIDIA CORPORATION COM 67066G104   3,308,840 3,662 SH   SOLE   0 0 3,662
PENTAIR PLC SHS G7S00T104   424,161 4,964 SH   SOLE   0 0 4,964
PEPSICO INC COM 713448108   5,615,560 32,087 SH   SOLE   0 0 32,087
PIMCO ETF TR 0-5 HIGH YIELD 72201R783   2,611,275 27,934 SH   SOLE   0 0 27,934
PROCTER AND GAMBLE CO COM 742718109   5,795,301 35,719 SH   SOLE   0 0 35,719
PROSHARES TR S&P 500 DV ARIST 74348A467   14,498,060 142,965 SH   SOLE   0 0 142,965
S&P GLOBAL INC COM 78409V104   5,866,132 13,788 SH   SOLE   0 0 13,788
SANOFI SPONSORED ADR 80105N105   353,315 7,270 SH   SOLE   0 0 7,270
SAP SE SPON ADR 803054204   394,184 2,021 SH   SOLE   0 0 2,021
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   2,179,968 44,444 SH   SOLE   0 0 44,444
SELECT SECTOR SPDR TR INDL 81369Y704   700,338 5,560 SH   SOLE   0 0 5,560
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   642,512 3,494 SH   SOLE   0 0 3,494
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   659,980 8,643 SH   SOLE   0 0 8,643
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   674,092 4,563 SH   SOLE   0 0 4,563
SELECT SECTOR SPDR TR ENERGY 81369Y506   685,983 7,266 SH   SOLE   0 0 7,266
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   661,377 7,120 SH   SOLE   0 0 7,120
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   716,504 17,011 SH   SOLE   0 0 17,011
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   698,121 3,352 SH   SOLE   0 0 3,352
SHERWIN WILLIAMS CO COM 824348106   6,123,410 17,630 SH   SOLE   0 0 17,630
SPDR S&P 500 ETF TR TR UNIT 78462F103   19,663,540 37,593 SH   SOLE   0 0 37,593
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   8,993,093 16,163 SH   SOLE   0 0 16,163
SPDR SER TR PORTFOLIO AGRGTE 78464A649   747,378 29,564 SH   SOLE   0 0 29,564
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   2,785,814 30,347 SH   SOLE   0 0 30,347
UNILEVER PLC SPON ADR NEW 904767704   357,855 7,130 SH   SOLE   0 0 7,130
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   739,559 9,646 SH   SOLE   0 0 9,646
VANGUARD INDEX FDS TOTAL STK MKT 922908769   461,103 1,774 SH   SOLE   0 0 1,774
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,240,288 25,905 SH   SOLE   0 0 25,905
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   4,792,521 56,343 SH   SOLE   0 0 56,343
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   308,933 5,320 SH   SOLE   0 0 5,320
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   9,421,758 121,870 SH   SOLE   0 0 121,870
VANGUARD WORLD FD COMM SRVC ETF 92204A884   713,443 5,437 SH   SOLE   0 0 5,437
VANGUARD WORLD FD ENERGY ETF 92204A306   343,605 2,609 SH   SOLE   0 0 2,609
WALMART INC COM 931142103   6,384,794 106,113 SH   SOLE   0 0 106,113