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
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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
AMAZON COM INC COM Stock 023135106   730 4,049 SH   SOLE   1,243 0 2,805
INVESCO QQQ TRUST SERIES I ETF 46090E103   661 1,488 SH   SOLE   2 0 1,486
ISHARES GOLD TRUST ETF 464285204   8,280 197,099 SH   SOLE   176,371 0 20,728
JOHNSON & JOHNSON COM Stock 478160104   463 2,927 SH   SOLE   2,668 0 258
WISDOMTREE FLOATING RATE TREASURY FUND ETF 97717Y527   9,115 181,242 SH   SOLE   156,260 0 24,981
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794   10,613 154,256 SH   SOLE   154,222 0 34
COSTCO WHSL CORP NEW COM Stock 22160K105   415 566 SH   SOLE   203 0 363
GOLDMAN SACHS GROUP INC COM Stock 38141G104   785 1,880 SH   SOLE   1,115 0 765
TOYOTA MOTOR CORP ADS ADR 892331307   271 1,076 SH   SOLE   1,076 0 0
SHELL PLC SPON ADS ADR 780259305   848 12,654 SH   SOLE   8,274 0 4,380
BOSTON SCIENTIFIC CORP COM Stock 101137107   435 6,344 SH   SOLE   978 0 5,366
PROCTER AND GAMBLE CO COM Stock 742718109   223 1,375 SH   SOLE   1,361 0 14
COCA COLA CO COM Stock 191216100   376 6,140 SH   SOLE   100 0 6,040
ENTERPRISE PRODS PARTNERS L P COM Stock 293792107   305 10,460 SH   SOLE   2,700 0 7,760
OCCIDENTAL PETE CORP COM Stock 674599105   329 5,060 SH   SOLE   4,710 0 350
UNITED PARCEL SERVICE INC CL B Stock 911312106   312 2,100 SH   SOLE   1,544 0 556
ISHARES MSCI USA ESG SELECT ETF ETF 464288802   414 3,789 SH   SOLE   3,549 0 240
INTEL CORP COM Stock 458140100   667 15,105 SH   SOLE   4,675 0 10,429
MEDTRONIC PLC SHS Stock G5960L103   253 2,906 SH   SOLE   2,906 0 0
SPDR DOW JONES INDUSTRIAL AVERAGE ETF TRUST ETF 78467X109   801 2,013 SH   SOLE   123 0 1,890
ISHARES SILVER TRUST ETF 46428Q109   291 12,806 SH   SOLE   12,806 0 0
ISHARES ESG AWARE MSCI EAFE ETF ETF 46435G516   330 4,131 SH   SOLE   4,131 0 0
SPDR DOW JONES GLOBAL REAL ESTATE ETF ETF 78463X749   933 21,793 SH   SOLE   17,708 0 4,085
MERCK & CO INC COM Stock 58933Y105   573 4,340 SH   SOLE   2,040 0 2,300
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158   2,519 24,052 SH   SOLE   14,871 0 9,181
SPDR S&P 500 ETF TRUST ETF 78462F103   53,881 103,009 SH   SOLE   80,347 0 22,662
SMUCKER J M CO COM NEW Stock 832696405   258 2,049 SH   SOLE   1,876 0 173
GOLDMAN SACHS JUST US LARGE CAP EQ ETF ETF 381430396   376 5,010 SH   SOLE   5,010 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104   301 7,177 SH   SOLE   5,582 0 1,595
PEPSICO INC COM Stock 713448108   368 2,103 SH   SOLE   1,372 0 731
ISHARES 1-3 YEAR TREASURY BOND ETF ETF 464287457   329 4,027 SH   SOLE   1,705 0 2,322
ISHARES MSCI EUROZONE ETF ETF 464286608   364 7,120 SH   SOLE   7,120 0 0
NUVEEN ESG MID-CAP GROWTH ETF ETF 67092P409   228 5,129 SH   SOLE   5,129 0 0
EATON VANCE MUN BD FD COM CEF 27827X101   166 16,000 SH   SOLE   16,000 0 0
BP PLC SPONSORED ADR ADR 055622104   202 5,372 SH   SOLE   5,372 0 0
SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF ETF 78464A359   5,017 68,688 SH   SOLE   68,688 0 0
HOME DEPOT INC COM Stock 437076102   830 2,163 SH   SOLE   1,945 0 218
PIMCO 1-5 YEAR US TIPS INDEX EXCHANGE-TRADED FUND PIMCO 1-5 YEAR U.S. TIPS ETF 72201R205   591 11,479 SH   SOLE   2,797 0 8,682
FIRST TRUST LARGE CAP CORE ALPHADEX FUND ETF 33734K109   637 6,418 SH   SOLE   31 0 6,387
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   252 1,708 SH   SOLE   511 0 1,197
SPDR GOLD SHARES ETF 78463V107   14,736 71,630 SH   SOLE   41,945 0 29,685
MONGODB INC CL A Stock 60937P106   351 978 SH   SOLE   0 0 978
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300   352 3,800 SH   SOLE   2,300 0 1,500
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   10,872 98,367 SH   SOLE   86,622 0 11,743
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   1,275 3,032 SH   SOLE   1,507 0 1,525
VANGUARD SHORT-TERM CORPORATE BOND ETF ETF 92206C409   49,459 639,748 SH   SOLE   537,919 0 101,828
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870   601 7,459 SH   SOLE   7,459 0 0
ALPHABET INC CAP STK CL A Stock 02079K305   1,478 9,793 SH   SOLE   1,841 0 7,952
FIRST TRUST SMID CAP RISING DIVIDEND ACHIEVERS ETF ETF 33741X102   917 26,328 SH   SOLE   26,328 0 0
MICROSOFT CORP COM Stock 594918104   1,121 2,665 SH   SOLE   2,473 0 191
VALERO ENERGY CORP COM Stock 91913Y100   386 2,261 SH   SOLE   2,261 0 0
FIRST TRUST TCW UNCONSTRAINED PLUS BOND ETF ETF 33740F888   2,713 110,265 SH   SOLE   110,265 0 0
VANGUARD SMALL-CAP ETF ETF 922908751   7,647 33,453 SH   SOLE   28,365 0 5,087
VANGUARD MID-CAP ETF ETF 922908629   11,044 44,200 SH   SOLE   36,440 0 7,758
VANGUARD HEALTH CARE ETF ETF 92204A504   345 1,274 SH   SOLE   1,274 0 0
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605   284 6,752 SH   SOLE   6,752 0 0
ALERIAN MLP ETF ETF 00162Q452   1,372 28,910 SH   SOLE   28,910 0 0
VANGUARD CONSUMER STAPLES ETF ETF 92204A207   222 1,086 SH   SOLE   737 0 349
VANGUARD INDUSTRIALS ETF ETF 92204A603   231 946 SH   SOLE   946 0 0
VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702   887 1,691 SH   SOLE   1,691 0 0
VANGUARD S&P 500 ETF ETF 922908363   81,643 169,842 SH   SOLE   156,887 0 12,954
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357   3,352 19,793 SH   SOLE   19,793 0 0
VANECK GOLD MINERS ETF ETF 92189F106   1,826 57,740 SH   SOLE   43,300 0 14,440
ELI LILLY & CO COM Stock 532457108   234 301 SH   SOLE   244 0 57
SCHWAB U.S. MID-CAP ETF ETF 808524508   679 8,335 SH   SOLE   1,958 0 6,377
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768   1,240 20,562 SH   SOLE   7,019 0 13,543
BNY MELLON STRATEGIC MUNICIPALS CEF 05588W108   293 48,000 SH   SOLE   48,000 0 0
VANGUARD S&P 500 GROWTH ETF ETF 921932505   456 1,497 SH   SOLE   440 0 1,057
AFLAC INC COM Stock 001055102   320 3,728 SH   SOLE   3,401 0 327
PUTNAM MANAGED MUN INCOME TR COM CEF 746823103   222 37,000 SH   SOLE   37,000 0 0
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354   453 6,876 SH   SOLE   0 0 6,876
NUVEEN DYNAMIC MUN OPPORTUNITI COM SHS CEF 67079X102   152 14,000 SH   SOLE   14,000 0 0
SNOWFLAKE INC CL A Stock 833445109   269 1,663 SH   SOLE   0 0 1,663
COINBASE GLOBAL INC COM CL A Stock 19260Q107   366 1,381 SH   SOLE   155 0 1,226
VANGUARD GROWTH ETF ETF 922908736   2,311 6,713 SH   SOLE   5,078 0 1,635
NUVEEN MUN HIGH INCOME OPPORTU COM CEF 670682103   393 37,200 SH   SOLE   37,200 0 0
WISDOMTREE U.S. SMALLCAP DIVIDEND FUND ETF 97717W604   529 16,196 SH   SOLE   16,162 0 34
META PLATFORMS INC CL A Stock 30303M102   272 561 SH   SOLE   411 0 150
BNY MELLON STRATEGIC MUNI BOND CEF 09662E109   211 36,000 SH   SOLE   36,000 0 0
NUVEEN MUNICIPAL CREDIT INC FD COM SH BEN INT CEF 67070X101   803 65,637 SH   SOLE   65,637 0 0
FIRST TRUST NORTH AMERICAN ENERGY INFRASTRUCTURE FUND ETF 33738D101   8,040 272,264 SH   SOLE   262,908 0 9,356
HEALTHCARE RLTY TR CL A COM REIT 42226K105   212 14,952 SH   SOLE   0 0 14,952
BROADCOM INC COM Stock 11135F101   538 406 SH   SOLE   406 0 0
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805   625 13,047 SH   SOLE   4,299 0 8,748
JOHNSON CTLS INTL PLC SHS Stock G51502105   259 3,961 SH   SOLE   3,961 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842   56,540 761,783 SH   SOLE   655,614 0 106,168
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101   213 615 SH   SOLE   615 0 0
NVIDIA CORPORATION COM Stock 67066G104   255 282 SH   SOLE   199 0 83
ISHARES SHORT TREASURY BOND ETF ETF 464288679   2,115 19,138 SH   SOLE   7,843 0 11,294
CUMMINS INC COM Stock 231021106   503 1,708 SH   SOLE   1,330 0 378
CANADIAN IMPERIAL BK COMM TORO COM Stock 136069101   370 7,304 SH   SOLE   6,000 0 1,304
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103   11,461 222,103 SH   SOLE   188,385 0 33,717
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   54,437 749,516 SH   SOLE   594,926 0 154,589
NUVEEN QUALITY MUNCP INCOME FD COM CEF 67066V101   1,331 116,186 SH   SOLE   116,186 0 0
NUVEEN AMT FREE MUN CR INC FD COM CEF 67071L106   285 23,493 SH   SOLE   23,493 0 0
SPDR BLACKSTONE SENIOR LOAN ETF ETF 78467V608   801 19,012 SH   SOLE   8,971 0 10,041
MCDONALDS CORP COM Stock 580135101   334 1,185 SH   SOLE   902 0 283
CISCO SYS INC COM Stock 17275R102   244 4,893 SH   SOLE   2,147 0 2,746
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407   272 5,532 SH   SOLE   31 0 5,501
FIDELITY WISE ORIGIN BITCOIN FUND ETF 315948109   948 15,282 SH   SOLE   5,254 0 10,028
WISDOMTREE U.S. MIDCAP DIVIDEND FUND ETF 97717W505   858 17,603 SH   SOLE   17,572 0 31
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506   316 3,343 SH   SOLE   2,706 0 637
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513   947 12,178 SH   SOLE   11,928 0 250
ISHARES S&P 500 VALUE ETF ETF 464287408   323 1,730 SH   SOLE   1,730 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   717 1,363 SH   SOLE   683 0 680
UNION PAC CORP COM Stock 907818108   379 1,542 SH   SOLE   1,542 0 0
ISHARES PREFERRED & INCOME SECURITIES ETF ETF 464288687   435 13,482 SH   SOLE   13,482 0 0
SALESFORCE INC COM Stock 79466L302   666 2,212 SH   SOLE   2,201 0 11
JPMORGAN CHASE & CO COM Stock 46625H100   908 4,534 SH   SOLE   1,927 0 2,607
CHEVRON CORP NEW COM Stock 166764100   527 3,344 SH   SOLE   1,536 0 1,807
ISHARES NATIONAL MUNI BOND ETF ETF 464288414   69,048 641,709 SH   SOLE   517,542 0 124,166
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   327 6,511 SH   SOLE   6,511 0 0
BANK AMERICA CORP COM Stock 060505104   393 10,352 SH   SOLE   8,275 0 2,076
SPDR S&P DIVIDEND ETF ETF 78464A763   453 3,454 SH   SOLE   1,644 0 1,810
WALMART INC COM Stock 931142103   1,238 20,579 SH   SOLE   9,222 0 11,356
ISHARES INTERNATIONAL SELECT DIVIDEND ETF ETF 464288448   1,485 52,946 SH   SOLE   52,158 0 788
TARGET CORP COM Stock 87612E106   397 2,240 SH   SOLE   2,238 0 2
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   24,753 204,584 SH   SOLE   170,204 0 34,380
3M CO COM Stock 88579Y101   242 2,278 SH   SOLE   2,059 0 219
AMERICAN EXPRESS CO COM Stock 025816109   480 2,110 SH   SOLE   2,110 0 0
NUVEEN AMT FREE QLTY MUN INCME COM CEF 670657105   840 75,893 SH   SOLE   75,893 0 0
WILLIAMS COS INC COM Stock 969457100   338 8,685 SH   SOLE   0 0 8,685
AGNICO EAGLE MINES LTD COM Stock 008474108   245 4,100 SH   SOLE   0 0 4,100
BANK MONTREAL QUE COM Stock 063671101   261 2,672 SH   SOLE   2,000 0 672
CHIMERA INVT CORP COM NEW REIT 16934Q208   46 10,014 SH   SOLE   8,060 0 1,954
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   1,481 8,111 SH   SOLE   8,111 0 0
ISHARES CORE DIVIDEND GROWTH ETF ETF 46434V621   6,509 112,101 SH   SOLE   112,068 0 33
ISHARES GLOBAL REIT ETF ETF 46434V647   2,884 121,797 SH   SOLE   121,797 0 0
BLACKROCK ULTRA SHORT-TERM BOND ETF ETF 46434V878   593 11,724 SH   SOLE   11,724 0 0
AMARIN CORP PLC SPONS ADR NEW ADR 023111206   9 10,000 SH   SOLE   10,000 0 0
PHILIP MORRIS INTL INC COM Stock 718172109   328 3,582 SH   SOLE   3,582 0 0
BRISTOL-MYERS SQUIBB CO COM Stock 110122108   368 6,791 SH   SOLE   6,640 0 151
EXXON MOBIL CORP COM Stock 30231G102   394 3,387 SH   SOLE   3,294 0 92
VANGUARD MEGA CAP VALUE ETF ETF 921910840   1,652 13,826 SH   SOLE   13,826 0 0
LOWES COS INC COM Stock 548661107   259 1,015 SH   SOLE   1,015 0 0
ARK INNOVATION ETF ETF 00214Q104   721 14,393 SH   SOLE   11,631 0 2,762
ISHARES MSCI ACWI ETF ETF 464288257   4,311 39,147 SH   SOLE   7,896 0 31,251
CROWN CASTLE INC COM REIT 22822V101   382 3,614 SH   SOLE   714 0 2,900
AUTOZONE INC COM Stock 053332102   233 74 SH   SOLE   74 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   15,043 247,669 SH   SOLE   223,042 0 24,625
ISHARES MSCI EAFE ETF ETF 464287465   326 4,082 SH   SOLE   2,052 0 2,030
APPLE INC COM Stock 037833100   2,581 15,052 SH   SOLE   5,475 0 9,576
DISNEY WALT CO COM Stock 254687106   499 4,075 SH   SOLE   3,640 0 435
INVESCO PREFERRED ETF ETF 46138E511   7,786 655,370 SH   SOLE   559,356 0 96,014