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
ALTRIA GROUP INC COM 02209S103   209,679 4,587 SH   SOLE   0 0 4,587
AMAZON COM INC COM 023135106   227,556 2,709 SH   SOLE   0 0 2,709
APPLE INC COM 037833100   4,349,008 33,472 SH   SOLE   0 0 33,472
AUTOMATIC DATA PROCESSING IN COM 053015103   262,746 1,100 SH   SOLE   0 0 1,100
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   538,014 1,742 SH   SOLE   0 0 1,742
BLACKSTONE INC COM 09260D107   253,979 3,423 SH   SOLE   0 0 3,423
CATERPILLAR INC COM 149123101   241,394 1,008 SH   SOLE   0 0 1,008
CHEVRON CORP NEW COM 166764100   767,951 4,279 SH   SOLE   0 0 4,279
COCA COLA CO COM 191216100   216,818 3,409 SH   SOLE   0 0 3,409
EDWARDS LIFESCIENCES CORP COM 28176E108   231,291 3,100 SH   SOLE   0 0 3,100
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   228,003 19,208 SH   SOLE   0 0 19,208
EXXON MOBIL CORP COM 30231G102   2,099,182 19,032 SH   SOLE   0 0 19,032
INTEL CORP COM 458140100   211,440 8,000 SH   SOLE   0 0 8,000
INTUIT COM 461202103   525,447 1,350 SH   SOLE   0 0 1,350
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464   465,262 6,179 SH   SOLE   0 0 6,179
ISHARES INC JP MRG EM CRP BD 464286251   13,422,694 313,908 SH   SOLE   0 0 313,908
ISHARES TR MSCI EMG MKT ETF 464287234   264,531 6,980 SH   SOLE   0 0 6,980
ISHARES TR RUS 1000 GRW ETF 464287614   268,853 1,255 SH   SOLE   0 0 1,255
ISHARES TR RUS 1000 ETF 464287622   17,495,187 83,105 SH   SOLE   0 0 83,105
ISHARES TR NATIONAL MUN ETF 464288414   224,230 2,125 SH   SOLE   0 0 2,125
JPMORGAN CHASE & CO COM 46625H100   296,485 2,211 SH   SOLE   0 0 2,211
JOHNSON & JOHNSON COM 478160104   305,605 1,730 SH   SOLE   0 0 1,730
MICROSOFT CORP COM 594918104   1,061,782 4,427 SH   SOLE   0 0 4,427
PEPSICO INC COM 713448108   302,064 1,672 SH   SOLE   0 0 1,672
PROCTER AND GAMBLE CO COM 742718109   411,232 2,713 SH   SOLE   0 0 2,713
SPDR GOLD TR GOLD SHS 78463V107   18,335,200 108,083 SH   SOLE   0 0 108,083
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475   1,374,741 29,482 SH   SOLE   0 0 29,482
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   288,877 7,063 SH   SOLE   0 0 7,063
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   454,464 19,200 SH   SOLE   0 0 19,200
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   25,104,456 779,399 SH   SOLE   0 0 779,399
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   7,798,939 247,821 SH   SOLE   0 0 247,821
SELECT SECTOR SPDR TR ENERGY 81369Y506   5,567,872 63,655 SH   SOLE   0 0 63,655
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   4,715,970 137,894 SH   SOLE   0 0 137,894
TESLA INC COM 88160R101   634,605 5,152 SH   SOLE   0 0 5,152
UNION PAC CORP COM 907818108   225,913 1,091 SH   SOLE   0 0 1,091
UNITED PARCEL SERVICE INC CL B 911312106   204,957 1,179 SH   SOLE   0 0 1,179
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   23,534,844 217,492 SH   SOLE   0 0 217,492
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   24,392,008 183,592 SH   SOLE   0 0 183,592
VISA INC COM CL A 92826C839   542,695 2,612 SH   SOLE   0 0 2,612
WALGREENS BOOTS ALLIANCE INC COM 931427108   242,840 6,500 SH   SOLE   0 0 6,500