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
ABBVIE INC COM 00287Y109 2,380 15,541 SH   SOLE   0 0 15,541
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104 1,143 65,975 SH   SOLE   0 0 65,975
ADOBE SYSTEMS INCORPORATED COM 00724F101 229 626 SH   SOLE   0 0 626
ADVANCED MICRO DEVICES INC COM 007903107 2,619 34,250 SH   SOLE   0 0 34,250
AFFIRM HLDGS INC COM CL A 00827B106 205 11,354 SH   SOLE   0 0 11,354
AIRBNB INC COM CL A 009066101 801 8,988 SH   SOLE   0 0 8,988
ALPHABET INC CAP STK CL C 02079K107 1,803 824 SH   SOLE   0 0 824
ALPHABET INC CAP STK CL A 02079K305 12,559 5,763 SH   SOLE   0 0 5,763
ALTRIA GROUP INC COM 02209S103 349 8,363 SH   SOLE   0 0 8,363
AMAZON COM INC COM 023135106 13,223 124,502 SH   SOLE   0 0 124,502
AMERICAN WTR WKS CO INC NEW COM 030420103 213 1,434 SH   SOLE   0 0 1,434
AMGEN INC COM 031162100 1,753 7,205 SH   SOLE   0 0 7,205
APPLE INC COM 037833100 8,633 63,142 SH   SOLE   0 0 63,142
AT&T INC COM 00206R102 6,117 291,823 SH   SOLE   0 0 291,823
AUTOMATIC DATA PROCESSING IN COM 053015103 323 1,538 SH   SOLE   0 0 1,538
BARRICK GOLD CORP COM 067901108 1,993 112,651 SH   SOLE   0 0 112,651
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,790 6,557 SH   SOLE   0 0 6,557
BK OF AMERICA CORP COM 060505104 7,386 237,270 SH   SOLE   0 0 237,270
BK OF AMERICA CORP 7.25%CNV PFD L 060505682 522 433 SH   SOLE   0 0 433
BLOCK H & R INC COM 093671105 330 9,350 SH   SOLE   0 0 9,350
BLOOMIN BRANDS INC COM 094235108 6,069 365,160 SH   SOLE   0 0 365,160
BOEING CO COM 097023105 6,145 44,947 SH   SOLE   0 0 44,947
BP PLC SPONSORED ADR 055622104 427 15,051 SH   SOLE   0 0 15,051
BRISTOL-MYERS SQUIBB CO COM 110122108 3,235 42,011 SH   SOLE   0 0 42,011
BROADCOM INC COM 11135F101 2,728 5,615 SH   SOLE   0 0 5,615
BROWN & BROWN INC COM 115236101 376 6,447 SH   SOLE   0 0 6,447
CATERPILLAR INC COM 149123101 686 3,835 SH   SOLE   0 0 3,835
CELSIUS HLDGS INC COM NEW 15118V207 1,873 28,701 SH   SOLE   0 0 28,701
CHEVRON CORP NEW COM 166764100 514 3,553 SH   SOLE   0 0 3,553
CISCO SYS INC COM 17275R102 308 7,221 SH   SOLE   0 0 7,221
CITIGROUP INC COM NEW 172967424 350 7,602 SH   SOLE   0 0 7,602
COCA COLA CO COM 191216100 2,634 41,870 SH   SOLE   0 0 41,870
CONSTELLATION BRANDS INC CL A 21036P108 2,315 9,934 SH   SOLE   0 0 9,934
COSTCO WHSL CORP NEW COM 22160K105 462 963 SH   SOLE   0 0 963
CREDIT SUISSE ASSET MGMT INC COM 224916106 35 12,875 SH   SOLE   0 0 12,875
CROWDSTRIKE HLDGS INC CL A 22788C105 1,218 7,227 SH   SOLE   0 0 7,227
CROWN CASTLE INTL CORP NEW COM 22822V101 244 1,450 SH   SOLE   0 0 1,450
CVS HEALTH CORP COM 126650100 504 5,442 SH   SOLE   0 0 5,442
DEERE & CO COM 244199105 457 1,527 SH   SOLE   0 0 1,527
DISNEY WALT CO COM 254687106 3,696 39,157 SH   SOLE   0 0 39,157
DUKE ENERGY CORP NEW COM NEW 26441C204 216 2,019 SH   SOLE   0 0 2,019
DUPONT DE NEMOURS INC COM 26614N102 301 5,416 SH   SOLE   0 0 5,416
EXXON MOBIL CORP COM 30231G102 227 2,647 SH   SOLE   0 0 2,647
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 331 3,433 SH   SOLE   0 0 3,433
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 313 5,155 SH   SOLE   0 0 5,155
FORD MTR CO DEL COM 345370860 6,296 565,709 SH   SOLE   0 0 565,709
GENERAL ELECTRIC CO COM NEW 369604301 3,593 56,434 SH   SOLE   0 0 56,434
GLOBAL X FDS NASDAQ 100 COVER 37954Y483 823 47,090 SH   SOLE   0 0 47,090
GOLDMAN SACHS GROUP INC COM 38141G104 1,419 4,776 SH   SOLE   0 0 4,776
GSK PLC SPONSORED ADR 37733W105 1,271 29,207 SH   SOLE   0 0 29,207
HOME DEPOT INC COM 437076102 5,178 18,879 SH   SOLE   0 0 18,879
HONEYWELL INTL INC COM 438516106 1,510 8,686 SH   SOLE   0 0 8,686
INTERNATIONAL BUSINESS MACHS COM 459200101 473 3,348 SH   SOLE   0 0 3,348
INTERNATIONAL PAPER CO COM 460146103 426 10,194 SH   SOLE   0 0 10,194
INVESCO QQQ TR UNIT SER 1 46090E103 558 1,990 SH   SOLE   0 0 1,990
JOHNSON & JOHNSON COM 478160104 313 1,765 SH   SOLE   0 0 1,765
JPMORGAN CHASE & CO COM 46625H100 7,352 65,283 SH   SOLE   0 0 65,283
LILLY ELI & CO COM 532457108 383 1,182 SH   SOLE   0 0 1,182
LOCKHEED MARTIN CORP COM 539830109 593 1,380 SH   SOLE   0 0 1,380
LOWES COS INC COM 548661107 291 1,668 SH   SOLE   0 0 1,668
MARVELL TECHNOLOGY INC COM 573874104 686 15,762 SH   SOLE   0 0 15,762
MASCO CORP COM 574599106 572 11,300 SH   SOLE   0 0 11,300
MASTERCARD INCORPORATED CL A 57636Q104 225 714 SH   SOLE   0 0 714
MCDONALDS CORP COM 580135101 353 1,430 SH   SOLE   0 0 1,430
MEDTRONIC PLC SHS G5960L103 6,771 75,439 SH   SOLE   0 0 75,439
META PLATFORMS INC CL A 30303M102 3,627 22,492 SH   SOLE   0 0 22,492
MICROSOFT CORP COM 594918104 1,742 6,785 SH   SOLE   0 0 6,785
MODERNA INC COM 60770K107 339 2,376 SH   SOLE   0 0 2,376
MONGODB INC CL A 60937P106 1,927 7,427 SH   SOLE   0 0 7,427
MORGAN STANLEY COM NEW 617446448 3,053 40,133 SH   SOLE   0 0 40,133
NETFLIX INC COM 64110L106 385 2,201 SH   SOLE   0 0 2,201
NEWELL BRANDS INC COM 651229106 2,627 137,950 SH   SOLE   0 0 137,950
NEXTERA ENERGY INC COM 65339F101 861 11,118 SH   SOLE   0 0 11,118
NIKE INC CL B 654106103 922 9,024 SH   SOLE   0 0 9,024
NVIDIA CORPORATION COM 67066G104 6,399 42,213 SH   SOLE   0 0 42,213
ORACLE CORP COM 68389X105 710 10,168 SH   SOLE   0 0 10,168
PALO ALTO NETWORKS INC COM 697435105 263 533 SH   SOLE   0 0 533
PARAMOUNT GLOBAL CLASS B COM 92556H206 332 13,470 SH   SOLE   0 0 13,470
PAYPAL HLDGS INC COM 70450Y103 378 5,418 SH   SOLE   0 0 5,418
PEPSICO INC COM 713448108 2,921 17,526 SH   SOLE   0 0 17,526
PFIZER INC COM 717081103 21,915 417,987 SH   SOLE   0 0 417,987
PHILIP MORRIS INTL INC COM 718172109 319 3,230 SH   SOLE   0 0 3,230
PPL CORP COM 69351T106 9,230 340,205 SH   SOLE   0 0 340,205
PROCTER AND GAMBLE CO COM 742718109 690 4,798 SH   SOLE   0 0 4,798
PRUDENTIAL FINL INC COM 744320102 3,927 41,039 SH   SOLE   0 0 41,039
QUALCOMM INC COM 747525103 3,863 30,238 SH   SOLE   0 0 30,238
RAYONIER INC COM 754907103 2,078 55,590 SH   SOLE   0 0 55,590
RAYTHEON TECHNOLOGIES CORP COM 75513E101 3,954 41,142 SH   SOLE   0 0 41,142
RH COM 74967X103 2,612 12,306 SH   SOLE   0 0 12,306
ROKU INC COM CL A 77543R102 1,149 13,983 SH   SOLE   0 0 13,983
SALESFORCE INC COM 79466L302 8,107 49,122 SH   SOLE   0 0 49,122
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 277 5,100 SH   SOLE   0 0 5,100
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 735 23,372 SH   SOLE   0 0 23,372
SERVICENOW INC COM 81762P102 476 1,000 SH   SOLE   0 0 1,000
SI-BONE INC COM 825704109 511 38,675 SH   SOLE   0 0 38,675
SKYWORKS SOLUTIONS INC COM 83088M102 3,398 36,685 SH   SOLE   0 0 36,685
SOFI TECHNOLOGIES INC COM 83406F102 109 20,730 SH   SOLE   0 0 20,730
SOUTHERN CO COM 842587107 435 6,102 SH   SOLE   0 0 6,102
SPDR GOLD TR GOLD SHS 78463V107 467 2,770 SH   SOLE   0 0 2,770
T-MOBILE US INC COM 872590104 202 1,500 SH   SOLE   0 0 1,500
TESLA INC COM 88160R101 992 1,473 SH   SOLE   0 0 1,473
TJX COS INC NEW COM 872540109 2,093 37,473 SH   SOLE   0 0 37,473
TRUIST FINL CORP COM 89832Q109 385 8,122 SH   SOLE   0 0 8,122
TWILIO INC CL A 90138F102 3,483 41,554 SH   SOLE   0 0 41,554
UBER TECHNOLOGIES INC COM 90353T100 4,141 202,404 SH   SOLE   0 0 202,404
UNION PAC CORP COM 907818108 346 1,622 SH   SOLE   0 0 1,622
UNITED PARCEL SERVICE INC CL B 911312106 965 5,289 SH   SOLE   0 0 5,289
UNITEDHEALTH GROUP INC COM 91324P102 929 1,808 SH   SOLE   0 0 1,808
UNITY SOFTWARE INC COM 91332U101 248 6,733 SH   SOLE   0 0 6,733
VANGUARD INDEX FDS TOTAL STK MKT 922908769 320 1,699 SH   SOLE   0 0 1,699
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,868 8,267 SH   SOLE   0 0 8,267
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 546 10,344 SH   SOLE   0 0 10,344
VERIZON COMMUNICATIONS INC COM 92343V104 15,780 310,930 SH   SOLE   0 0 310,930
VISA INC COM CL A 92826C839 1,062 5,396 SH   SOLE   0 0 5,396
WALMART INC COM 931142103 5,360 44,083 SH   SOLE   0 0 44,083
WARNER BROS DISCOVERY INC COM SER A 934423104 162 12,085 SH   SOLE   0 0 12,085
WASTE MGMT INC DEL COM 94106L109 513 3,355 SH   SOLE   0 0 3,355
WELLS FARGO CO NEW COM 949746101 1,914 48,873 SH   SOLE   0 0 48,873
WHIRLPOOL CORP COM 963320106 841 5,428 SH   SOLE   0 0 5,428
WYNN RESORTS LTD COM 983134107 1,046 18,355 SH   SOLE   0 0 18,355
YETI HLDGS INC COM 98585X104 295 6,825 SH   SOLE   0 0 6,825