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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109   325,159 2,012 SH   SOLE   2,012 0 0
ABRDN ETFS BBRG ALL COMD K1 003261104   1,196,579 54,242 SH   SOLE   54,242 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   609,463 2,284 SH   SOLE   2,284 0 0
ALPHABET INC CAP STK CL A 02079K305   409,387 4,640 SH   SOLE   4,640 0 0
ALPHABET INC CAP STK CL C 02079K107   682,156 7,688 SH   SOLE   7,688 0 0
AMAZON COM INC COM 023135106   258,048 3,072 SH   SOLE   3,072 0 0
AMERICAN EXPRESS CO COM 025816109   264,177 1,788 SH   SOLE   1,788 0 0
AMPHENOL CORP NEW CL A 032095101   209,004 2,745 SH   SOLE   2,745 0 0
APPLE INC COM 037833100   1,287,736 9,911 SH   SOLE   9,911 0 0
BANK OZK LITTLE ROCK ARK COM 06417N103   217,446 5,428 SH   SOLE   5,428 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,563,652 5,062 SH   SOLE   5,062 0 0
BLACKROCK INC COM 09247X101   369,905 522 SH   SOLE   522 0 0
CATERPILLAR INC COM 149123101   3,783,186 15,752 SH   SOLE   15,752 0 0
CHEVRON CORP NEW COM 166764100   522,316 2,910 SH   SOLE   2,910 0 0
CISCO SYS INC COM 17275R102   693,448 14,556 SH   SOLE   14,556 0 0
COSTCO WHSL CORP NEW COM 22160K105   332,332 728 SH   SOLE   728 0 0
CVS HEALTH CORP COM 126650100   202,222 2,170 SH   SOLE   2,170 0 0
DISNEY WALT CO COM 254687106   242,135 2,787 SH   SOLE   2,787 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   326,478 3,170 SH   SOLE   3,170 0 0
EATON CORP PLC SHS G29183103   827,597 5,273 SH   SOLE   5,273 0 0
EMBRAER S.A. SPONSORED ADS 29082A107   227,344 20,800 SH   SOLE   20,800 0 0
EMERSON ELEC CO COM 291011104   389,523 4,055 SH   SOLE   4,055 0 0
EXXON MOBIL CORP COM 30231G102   725,002 6,573 SH   SOLE   6,573 0 0
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846   948,395 24,500 SH   SOLE   24,500 0 0
GENERAL DYNAMICS CORP COM 369550108   337,430 1,360 SH   SOLE   1,360 0 0
HOME DEPOT INC COM 437076102   427,820 1,354 SH   SOLE   1,354 0 0
INTERPUBLIC GROUP COS INC COM 460690100   267,279 8,024 SH   SOLE   8,024 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   283,222 19,163 SH   SOLE   19,163 0 0
INVESCO DB COMMDY INDX TRCK UNIT 46138B103   443,700 18,000 SH   SOLE   18,000 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   952,446 3,577 SH   SOLE   3,577 0 0
ISHARES GOLD TR ISHARES NEW 464285204   639,050 18,475 SH   SOLE   18,475 0 0
ISHARES INC CORE MSCI EMKT 46434G103   1,618,108 34,649 SH   SOLE   34,649 0 0
ISHARES INC MSCI EMERG MKT 46434G889   3,783,724 92,196 SH   SOLE   92,196 0 0
ISHARES TR CORE MSCI EAFE 46432F842   35,969,458 583,382 SH   SOLE   583,382 0 0
ISHARES TR CORE S&P MCP ETF 464287507   22,116,182 91,423 SH   SOLE   91,423 0 0
ISHARES TR CORE S&P SCP ETF 464287804   1,971,730 20,834 SH   SOLE   20,834 0 0
ISHARES TR CORE S&P TTL STK 464287150   1,300,408 15,335 SH   SOLE   15,335 0 0
ISHARES TR CORE S&P500 ETF 464287200   46,070,237 119,909 SH   SOLE   119,909 0 0
ISHARES TR EAFE GRWTH ETF 464288885   3,527,385 42,113 SH   SOLE   42,113 0 0
ISHARES TR EAFE VALUE ETF 464288877   4,463,106 97,278 SH   SOLE   97,278 0 0
ISHARES TR GLOBAL REIT ETF 46434V647   1,450,329 63,863 SH   SOLE   63,863 0 0
ISHARES TR MSCI ACWI ETF 464288257   2,978,015 35,085 SH   SOLE   35,085 0 0
ISHARES TR MSCI EAFE ETF 464287465   3,248,458 49,489 SH   SOLE   49,489 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   8,215,827 216,776 SH   SOLE   216,776 0 0
ISHARES TR RUS 1000 ETF 464287622   582,298 2,766 SH   SOLE   2,766 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   10,855,327 50,669 SH   SOLE   50,669 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   27,470,336 181,143 SH   SOLE   181,143 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   381,620 2,752 SH   SOLE   2,752 0 0
ISHARES TR RUS MDCP VAL ETF 464287473   640,678 6,082 SH   SOLE   6,082 0 0
ISHARES TR RUS MID CAP ETF 464287499   9,040,863 134,038 SH   SOLE   134,038 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   4,543,822 26,060 SH   SOLE   26,060 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   7,823,322 133,732 SH   SOLE   133,732 0 0
ISHARES TR S&P 500 VAL ETF 464287408   11,179,529 77,063 SH   SOLE   77,063 0 0
ISHARES TR S&P MC 400GR ETF 464287606   2,678,794 39,221 SH   SOLE   39,221 0 0
ISHARES TR S&P MC 400VL ETF 464287705   389,290 3,862 SH   SOLE   3,862 0 0
ISHARES TR S&P SML 600 GWT 464287887   437,035 4,044 SH   SOLE   4,044 0 0
ISHARES TR SELECT DIVID ETF 464287168   4,134,047 34,279 SH   SOLE   34,279 0 0
ITAU UNIBANCO HLDG S A SPON ADR REP PFD 465562106   262,818 55,800 SH   SOLE   55,800 0 0
JOHNSON & JOHNSON COM 478160104   779,733 4,414 SH   SOLE   4,414 0 0
JPMORGAN CHASE & CO COM 46625H100   294,215 2,194 SH   SOLE   2,194 0 0
LOCKHEED MARTIN CORP COM 539830109   331,786 682 SH   SOLE   682 0 0
MASTERCARD INCORPORATED CL A 57636Q104   564,366 1,623 SH   SOLE   1,623 0 0
MERCK & CO INC COM 58933Y105   564,403 5,087 SH   SOLE   5,087 0 0
MICROSOFT CORP COM 594918104   1,771,311 7,386 SH   SOLE   7,386 0 0
NEXTERA ENERGY INC COM 65339F101   337,995 4,043 SH   SOLE   4,043 0 0
NU HLDGS LTD ORD SHS CL A G6683N103   57,387 14,100 SH   SOLE   14,100 0 0
NVIDIA CORPORATION COM 67066G104   757,297 5,182 SH   SOLE   5,182 0 0
OREILLY AUTOMOTIVE INC COM 67103H107   270,934 321 SH   SOLE   321 0 0
PEPSICO INC COM 713448108   598,888 3,315 SH   SOLE   3,315 0 0
PFIZER INC COM 717081103   354,683 6,922 SH   SOLE   6,922 0 0
PIONEER NAT RES CO COM 723787107   307,185 1,345 SH   SOLE   1,345 0 0
PNC FINL SVCS GROUP INC COM 693475105   563,846 3,570 SH   SOLE   3,570 0 0
PROCTER AND GAMBLE CO COM 742718109   706,421 4,661 SH   SOLE   4,661 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   373,404 3,700 SH   SOLE   3,700 0 0
RESMED INC COM 761152107   215,206 1,034 SH   SOLE   1,034 0 0
S&P GLOBAL INC COM 78409V104   225,750 674 SH   SOLE   674 0 0
SCHWAB CHARLES CORP COM 808513105   308,895 3,710 SH   SOLE   3,710 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   399,297 4,565 SH   SOLE   4,565 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   227,293 6,646 SH   SOLE   6,646 0 0
SPDR GOLD TR GOLD SHS 78463V107   3,426,389 20,198 SH   SOLE   20,198 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   18,040,753 47,174 SH   SOLE   47,174 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   3,470,145 7,837 SH   SOLE   7,837 0 0
SPDR SER TR S&P DIVID ETF 78464A763   667,712 5,337 SH   SOLE   5,337 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   399,415 5,362 SH   SOLE   5,362 0 0
TARGET CORP COM 87612E106   768,748 5,158 SH   SOLE   5,158 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   705,434 1,281 SH   SOLE   1,281 0 0
TJX COS INC NEW COM 872540109   207,517 2,607 SH   SOLE   2,607 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   219,189 1,304 SH   SOLE   1,304 0 0
UNILEVER PLC SPON ADR NEW 904767704   272,343 5,409 SH   SOLE   5,409 0 0
UNION PAC CORP COM 907818108   213,282 1,030 SH   SOLE   1,030 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,021,657 1,927 SH   SOLE   1,927 0 0
US BANCORP DEL COM NEW 902973304   250,452 5,743 SH   SOLE   5,743 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   14,959,251 85,874 SH   SOLE   85,874 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   507,895 2,492 SH   SOLE   2,492 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,283,059 15,556 SH   SOLE   15,556 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   797,542 2,270 SH   SOLE   2,270 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   393,510 2,144 SH   SOLE   2,144 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,163,524 16,546 SH   SOLE   16,546 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   4,733,146 121,425 SH   SOLE   121,425 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   5,725,559 110,703 SH   SOLE   110,703 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,623,400 38,680 SH   SOLE   38,680 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   203,225 5,158 SH   SOLE   5,158 0 0