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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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
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100 5,462 67,323 SH   SOLE 0 0 0 67,323
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 1,400 17,508 SH   SOLE 0 0 0 17,508
ALPHABET INC CAP STK CL A 02079K305 1,566 16,374 SH   SOLE 0 0 0 16,374
AMERICAN EXPRESS CO COM 025816109 341 2,530 SH   SOLE 0 0 0 2,530
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 497 11,005 SH   SOLE 0 0 0 11,005
APPLE INC COM 037833100 6,504 47,062 SH   SOLE 0 0 0 47,062
AT&T INC COM 00206R102 803 52,360 SH   SOLE 0 0 0 52,360
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 19,382 72,587 SH   SOLE 0 0 0 72,587
CHEVRON CORP NEW COM 166764100 1,157 8,056 SH   SOLE 0 0 0 8,056
CITIGROUP INC COM NEW 172967424 359 8,618 SH   SOLE 0 0 0 8,618
EXXON MOBIL CORP COM 30231G102 1,337 15,308 SH   SOLE 0 0 0 15,308
FIRST TR EXCHANGE TRAD FD VI FST TR GLB FD 33739H101 3,627 143,129 SH   SOLE 0 0 0 143,129
FIRST TR EXCHANGE-TRADED FD FT CBOE VEST S&P 33739Q705 7,743 169,803 SH   SOLE 0 0 0 169,803
INNOVATOR ETFS TR S&P INVT GRD PFD 45783Y822 2,688 143,721 SH   SOLE 0 0 0 143,721
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 255 7,258 SH   SOLE 0 0 0 7,258
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 1,759 84,260 SH   SOLE 0 0 0 84,260
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 1,713 84,002 SH   SOLE 0 0 0 84,002
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 1,265 63,444 SH   SOLE 0 0 0 63,444
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 2,188 103,305 SH   SOLE 0 0 0 103,305
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 919 6,625 SH   SOLE 0 0 0 6,625
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 335 2,302 SH   SOLE 0 0 0 2,302
ISHARES TR EAFE SML CP ETF 464288273 3,788 77,660 SH   SOLE 0 0 0 77,660
JPMORGAN CHASE & CO COM 46625H100 338 3,233 SH   SOLE 0 0 0 3,233
META PLATFORMS INC CL A 30303M102 662 4,880 SH   SOLE 0 0 0 4,880
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 408 15,005 SH   SOLE 0 0 0 15,005
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 777 18,281 SH   SOLE 0 0 0 18,281
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 413 17,640 SH   SOLE 0 0 0 17,640
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 1,310 52,070 SH   SOLE 0 0 0 52,070
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 720 15,082 SH   SOLE 0 0 0 15,082
SCHWAB STRATEGIC TR US TIPS ETF 808524870 3,595 69,399 SH   SOLE 0 0 0 69,399
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 549 8,270 SH   SOLE 0 0 0 8,270
SELECT SECTOR SPDR TR ENERGY 81369Y506 3,723 51,688 SH   SOLE 0 0 0 51,688
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1,274 41,978 SH   SOLE 0 0 0 41,978
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1,195 18,234 SH   SOLE 0 0 0 18,234
SPDR S&P 500 ETF TR TR UNIT 78462F103 19,856 55,591 SH   SOLE 0 0 0 55,591
UNITED PARCEL SERVICE INC CL B 911312106 840 5,200 SH   SOLE 0 0 0 5,200
VANGUARD INDEX FDS VALUE ETF 922908744 396 3,208 SH   SOLE 0 0 0 3,208
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,759 46,894 SH   SOLE 0 0 0 46,894
VANGUARD INDEX FDS SMALL CP ETF 922908751 8,814 51,573 SH   SOLE 0 0 0 51,573
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 4,085 107,044 SH   SOLE 0 0 0 107,044
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,800 104,143 SH   SOLE 0 0 0 104,143
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 11,430 314,353 SH   SOLE 0 0 0 314,353
VANGUARD WORLD FDS UTILITIES ETF 92204A876 3,133 22,024 SH   SOLE 0 0 0 22,024
VERIZON COMMUNICATIONS INC COM 92343V104 734 19,325 SH   SOLE 0 0 0 19,325