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
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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
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100   6,141,046 70,782 SH   SOLE 0 0 0 70,782
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   1,410,615 16,924 SH   SOLE 0 0 0 16,924
ALPHABET INC CAP STK CL A 02079K305   1,975,289 16,502 SH   SOLE 0 0 0 16,502
AMAZON COM INC COM 023135106   404,768 3,105 SH   SOLE 0 0 0 3,105
AMERICAN EXPRESS CO COM 025816109   564,408 3,240 SH   SOLE 0 0 0 3,240
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108   607,471 10,710 SH   SOLE 0 0 0 10,710
APPLE INC COM 037833100   8,563,426 44,148 SH   SOLE 0 0 0 44,148
AT&T INC COM 00206R102   1,006,003 63,072 SH   SOLE 0 0 0 63,072
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   24,134,661 70,776 SH   SOLE 0 0 0 70,776
CHEVRON CORP NEW COM 166764100   1,348,461 8,570 SH   SOLE 0 0 0 8,570
CITIGROUP INC COM NEW 172967424   586,273 12,734 SH   SOLE 0 0 0 12,734
EXXON MOBIL CORP COM 30231G102   1,542,819 14,385 SH   SOLE 0 0 0 14,385
FIRST TR EXCHANGE TRAD FD VI FST TR GLB FD 33739H101   4,576,861 201,004 SH   SOLE 0 0 0 201,004
FIRST TR EXCHANGE-TRADED FD FT CBOE VEST S&P 33739Q705   9,619,334 182,012 SH   SOLE 0 0 0 182,012
INNOVATOR ETFS TR S&P INVT GRD PFD 45783Y822   3,203,906 174,695 SH   SOLE 0 0 0 174,695
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743   313,236 6,967 SH   SOLE 0 0 0 6,967
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   543,532 28,690 SH   SOLE 0 0 0 28,690
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   2,699,725 127,526 SH   SOLE 0 0 0 127,526
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   3,034,610 147,526 SH   SOLE 0 0 0 147,526
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   2,802,539 139,222 SH   SOLE 0 0 0 139,222
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   1,036,559 6,334 SH   SOLE 0 0 0 6,334
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597   359,297 2,091 SH   SOLE 0 0 0 2,091
INVESCO QQQ TR UNIT SER 1 46090E103   336,172 910 SH   SOLE 0 0 0 910
ISHARES TR EAFE SML CP ETF 464288273   4,950,899 83,942 SH   SOLE 0 0 0 83,942
JPMORGAN CHASE & CO COM 46625H100   400,687 2,755 SH   SOLE 0 0 0 2,755
NETFLIX INC COM 64110L106   353,273 802 SH   SOLE 0 0 0 802
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   206,800 4,000 SH   SOLE 0 0 0 4,000
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   914,342 19,025 SH   SOLE 0 0 0 19,025
SCHWAB STRATEGIC TR US TIPS ETF 808524870   5,191,461 99,017 SH   SOLE 0 0 0 99,017
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   937,161 12,905 SH   SOLE 0 0 0 12,905
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   553,111 16,665 SH   SOLE 0 0 0 16,665
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   1,340,154 26,564 SH   SOLE 0 0 0 26,564
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   603,904 22,559 SH   SOLE 0 0 0 22,559
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   1,809,370 56,035 SH   SOLE 0 0 0 56,035
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   1,039,829 18,062 SH   SOLE 0 0 0 18,062
SELECT SECTOR SPDR TR ENERGY 81369Y506   4,838,255 59,606 SH   SOLE 0 0 0 59,606
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,467,936 43,546 SH   SOLE 0 0 0 43,546
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,317,307 20,130 SH   SOLE 0 0 0 20,130
SPDR S&P 500 ETF TR TR UNIT 78462F103   25,915,038 58,462 SH   SOLE 0 0 0 58,462
UNITED AIRLS HLDGS INC COM 910047109   272,759 4,971 SH   SOLE 0 0 0 4,971
UNITED PARCEL SERVICE INC CL B 911312106   893,024 4,982 SH   SOLE 0 0 0 4,982
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   4,814,354 57,616 SH   SOLE 0 0 0 57,616
VANGUARD INDEX FDS SMALL CP ETF 922908751   11,533,195 57,988 SH   SOLE 0 0 0 57,988
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   4,914,857 120,818 SH   SOLE 0 0 0 120,818
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   4,692,866 116,767 SH   SOLE 0 0 0 116,767
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   14,774,994 319,944 SH   SOLE 0 0 0 319,944
VANGUARD WORLD FDS UTILITIES ETF 92204A876   4,668,152 32,835 SH   SOLE 0 0 0 32,835
VERIZON COMMUNICATIONS INC COM 92343V104   973,002 26,163 SH   SOLE 0 0 0 26,163
VISA INC COM CL A 92826C839   214,444 903 SH   SOLE 0 0 0 903