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
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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
ABBOTT LABS COM 002824100 BBG001S5N9M6 250,213 2,471 SH   SOLE   2,471 0 0
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 557,636 3,499 SH   SOLE   3,499 0 0
ABRDN ETFS BBRG ALL COMD K1 003261104 BBG00G9CFDS3 1,126,606 54,242 SH   SOLE   54,242 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 BBG001SCXK90 673,940 2,358 SH   SOLE   2,358 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 505,373 4,872 SH   SOLE   4,872 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 3,388,944 32,586 SH   SOLE   32,586 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 2,308,532 22,350 SH   SOLE   22,350 0 0
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 366,354 2,221 SH   SOLE   2,221 0 0
AMPHENOL CORP NEW CL A 032095101 BBG001S5NSK6 252,842 3,094 SH   SOLE   3,094 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 BBG001T53FW2 680,646 10,200 SH   SOLE   10,200 0 0
APPLE INC COM 037833100 BBG001S5N8V8 4,771,217 28,934 SH   SOLE   28,934 0 0
BAKER HUGHES COMPANY CL A 05722G100 BBG00GBVBK60 406,926 14,100 SH   SOLE   14,100 0 0
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 638,724 22,333 SH   SOLE   22,333 0 0
BANK NEW YORK MELLON CORP COM 064058100 BBG001S5P6Q6 883,672 19,447 SH   SOLE   19,447 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 2,399,760 7,772 SH   SOLE   7,772 0 0
BIOMARIN PHARMACEUTICAL INC COM 09061G101 BBG001S76R05 486,200 5,000 SH   SOLE   5,000 0 0
BLACKROCK INC COM 09247X101 BBG001SDBP55 343,928 514 SH   SOLE   514 0 0
BOOKING HOLDINGS INC COM 09857L108 BBG001S89N72 747,980 282 SH   SOLE   282 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 671,059 9,682 SH   SOLE   9,682 0 0
CAPITAL ONE FINL CORP COM 14040H105 BBG001S65PV8 1,533,752 15,950 SH   SOLE   15,950 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 BBG00RP5HZM1 478,271 10,454 SH   SOLE   10,454 0 0
CATERPILLAR INC COM 149123101 BBG001S5PJ06 394,749 1,725 SH   SOLE   1,725 0 0
CELANESE CORP DEL COM 150870103 BBG001SJDDG5 431,967 3,967 SH   SOLE   3,967 0 0
CHARTER COMMUNICATIONS INC N CL A 16119P108 BBG001T3TDG2 985,573 2,756 SH   SOLE   2,756 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 1,128,251 6,915 SH   SOLE   6,915 0 0
CHURCH & DWIGHT CO INC COM 171340102 BBG001S5PR99 270,358 3,058 SH   SOLE   3,058 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 1,809,029 34,606 SH   SOLE   34,606 0 0
COHERENT CORP COM 19247G107 BBG001S5S6N6 407,456 10,700 SH   SOLE   10,700 0 0
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 1,369,878 36,135 SH   SOLE   36,135 0 0
CONOCOPHILLIPS COM 20825C104 BBG001S5TZM2 803,998 8,104 SH   SOLE   8,104 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 484,945 976 SH   SOLE   976 0 0
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 956,444 12,871 SH   SOLE   12,871 0 0
DELL TECHNOLOGIES INC CL C 24703L202 BBG00DW3SZT0 261,365 6,500 SH   SOLE   6,500 0 0
DISNEY WALT CO COM 254687106 BBG001S5QHF3 369,380 3,689 SH   SOLE   3,689 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 482,350 5,000 SH   SOLE   5,000 0 0
EATON CORP PLC SHS G29183103 BBG001S5QZ45 886,856 5,176 SH   SOLE   5,176 0 0
ELANCO ANIMAL HEALTH INC COM 28414H103 BBG00LJYS1R6 108,100 11,500 SH   SOLE   11,500 0 0
EMBRAER S.A. SPONSORED ADS 29082A107 BBG001S63XQ9 340,496 20,800 SH   SOLE   20,800 0 0
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 357,274 4,100 SH   SOLE   4,100 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 635,370 5,794 SH   SOLE   5,794 0 0
FEDEX CORP COM 31428X106 BBG001S5R3M5 1,305,820 5,715 SH   SOLE   5,715 0 0
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846 BBG009K1H2W7 1,047,375 24,500 SH   SOLE   24,500 0 0
FIRST TR EXCHANGE-TRADED FD FIRST TR TA HIYL 33738D408 BBG00465XS41 347,542 8,741 SH   SOLE   8,741 0 0
FISERV INC COM 337738108 BBG001S5R6Q4 1,541,503 13,638 SH   SOLE   13,638 0 0
FOX CORP CL A COM 35137L105 BBG00JHNJX06 272,400 8,000 SH   SOLE   8,000 0 0
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107 BBG01BFR8YW0 401,865 4,899 SH   SOLE   4,899 0 0
GENERAL DYNAMICS CORP COM 369550108 BBG001S5RHP1 313,789 1,375 SH   SOLE   1,375 0 0
GENERAL ELECTRIC CO COM NEW 369604301 BBG001S5PVD5 892,235 9,333 SH   SOLE   9,333 0 0
GILEAD SCIENCES INC COM 375558103 BBG001S6Y1X7 1,143,161 13,778 SH   SOLE   13,778 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 BBG001SC07Z6 1,179,232 3,605 SH   SOLE   3,605 0 0
GRAINGER W W INC COM 384802104 BBG001S5RRD2 344,405 500 SH   SOLE   500 0 0
GSK PLC SPONSORED ADR 37733W204 BBG001SD6SM6 921,522 25,900 SH   SOLE   25,900 0 0
HALEON PLC SPON ADS 405552100 BBG018GZNDB0 341,066 41,900 SH   SOLE   41,900 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 1,008,498 3,417 SH   SOLE   3,417 0 0
INTERPUBLIC GROUP COS INC COM 460690100 BBG001S6RLK5 286,748 7,700 SH   SOLE   7,700 0 0
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 BBG001SNZTS4 427,320 18,000 SH   SOLE   18,000 0 0
INVESCO EXCHANGE TRADED FD T S&P SML600 VAL 46137V167 BBG00KJR31G2 379,859 4,189 SH   SOLE   4,189 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 1,190,130 3,708 SH   SOLE   3,708 0 0
ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 1,464,904 39,200 SH   SOLE   39,200 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 1,184,328 24,274 SH   SOLE   24,274 0 0
ISHARES INC EMNG MKTS EQT 46434G889 BBG00BM64QL2 4,122,978 99,301 SH   SOLE   99,301 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 44,482,257 665,404 SH   SOLE   665,404 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 23,489,274 93,897 SH   SOLE   93,897 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 2,597,942 26,866 SH   SOLE   26,866 0 0
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 1,375,455 15,190 SH   SOLE   15,190 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 59,620,166 145,033 SH   SOLE   145,033 0 0
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 4,237,240 45,231 SH   SOLE   45,231 0 0
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 4,716,524 97,188 SH   SOLE   97,188 0 0
ISHARES TR GLOBAL REIT ETF 46434V647 BBG006S5D3J3 1,449,474 63,213 SH   SOLE   63,213 0 0
ISHARES TR MSCI ACWI ETF 464288257 BBG001S56QV7 3,198,349 35,085 SH   SOLE   35,085 0 0
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 19,582,176 273,800 SH   SOLE   273,800 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 7,670,134 194,377 SH   SOLE   194,377 0 0
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 623,662 2,769 SH   SOLE   2,769 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 12,050,600 49,321 SH   SOLE   49,321 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 24,748,797 162,543 SH   SOLE   162,543 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 377,079 2,752 SH   SOLE   2,752 0 0
ISHARES TR RUS MD CP GR ETF 464287481 BBG001S561Z8 421,835 4,633 SH   SOLE   4,633 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 BBG001S561V2 1,177,864 11,091 SH   SOLE   11,091 0 0
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 11,008,065 157,438 SH   SOLE   157,438 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 6,752,797 37,852 SH   SOLE   37,852 0 0
ISHARES TR S&P 100 ETF 464287101 BBG001SGB026 1,032,461 5,520 SH   SOLE   5,520 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 8,942,300 139,964 SH   SOLE   139,964 0 0
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 11,736,056 77,333 SH   SOLE   77,333 0 0
ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 4,165,386 58,249 SH   SOLE   58,249 0 0
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 396,898 3,862 SH   SOLE   3,862 0 0
ISHARES TR S&P SML 600 GWT 464287887 BBG001SFQL44 444,597 4,044 SH   SOLE   4,044 0 0
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 4,956,714 42,300 SH   SOLE   42,300 0 0
ITAU UNIBANCO HLDG S A SPON ADR REP PFD 465562106 BBG001S65TL1 271,746 55,800 SH   SOLE   55,800 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 915,895 5,909 SH   SOLE   5,909 0 0
JOHNSON CTLS INTL PLC SHS G51502105 BBG001S5WZ84 1,068,604 17,745 SH   SOLE   17,745 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 696,768 5,347 SH   SOLE   5,347 0 0
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 363,529 769 SH   SOLE   769 0 0
MARSH & MCLENNAN COS INC COM 571748102 BBG001S5T7M4 228,840 1,374 SH   SOLE   1,374 0 0
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 611,619 1,683 SH   SOLE   1,683 0 0
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 468,483 5,811 SH   SOLE   5,811 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 810,585 7,619 SH   SOLE   7,619 0 0
METLIFE INC COM 59156R108 BBG001S5T3R8 842,563 14,542 SH   SOLE   14,542 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104 BBG001S787B5 1,220,088 14,563 SH   SOLE   14,563 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 6,403,720 22,212 SH   SOLE   22,212 0 0
MONDELEZ INTL INC CL A 609207105 BBG001SHHZJ3 280,205 4,019 SH   SOLE   4,019 0 0
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 397,656 5,159 SH   SOLE   5,159 0 0
NIKE INC CL B 654106103 BBG001S6NTK2 261,714 2,134 SH   SOLE   2,134 0 0
NOVARTIS AG SPONSORED ADR 66987V109 BBG001SF5LW6 883,660 9,605 SH   SOLE   9,605 0 0
NU HLDGS LTD ORD SHS CL A G6683N103 BBG0136WM2Y9 67,116 14,100 SH   SOLE   14,100 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 1,449,682 5,219 SH   SOLE   5,219 0 0
OCCIDENTAL PETE CORP COM 674599105 BBG001S5TZG9 1,601,392 25,651 SH   SOLE   25,651 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 271,419 2,921 SH   SOLE   2,921 0 0
OREILLY AUTOMOTIVE INC COM 67103H107 BBG001S78TL6 299,690 353 SH   SOLE   353 0 0
PEPSICO INC COM 713448108 BBG001S695T1 964,185 5,289 SH   SOLE   5,289 0 0
PFIZER INC COM 717081103 BBG001S5V466 285,151 6,989 SH   SOLE   6,989 0 0
PIONEER NAT RES CO COM 723787107 BBG001S7V1J4 269,597 1,320 SH   SOLE   1,320 0 0
PNC FINL SVCS GROUP INC COM 693475105 BBG001S5V947 383,079 3,014 SH   SOLE   3,014 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 861,510 5,794 SH   SOLE   5,794 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 274,425 2,151 SH   SOLE   2,151 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 BBG001S5X5Q9 1,406,373 14,361 SH   SOLE   14,361 0 0
REGENERON PHARMACEUTICALS COM 75886F107 BBG001S6PX49 645,833 786 SH   SOLE   786 0 0
RESMED INC COM 761152107 BBG001SBGRC2 226,436 1,034 SH   SOLE   1,034 0 0
S&P GLOBAL INC COM 78409V104 BBG001S5T5M8 244,097 708 SH   SOLE   708 0 0
SANOFI SPONSORED ADR 80105N105 BBG001S5W768 1,349,616 24,800 SH   SOLE   24,800 0 0
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 1,603,142 30,606 SH   SOLE   30,606 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 380,251 4,591 SH   SOLE   4,591 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 BBG001S7T223 421,036 13,096 SH   SOLE   13,096 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 BBG001S7T232 443,978 4,388 SH   SOLE   4,388 0 0
SOUTHERN CO COM 842587107 BBG001S5W777 282,843 4,065 SH   SOLE   4,065 0 0
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 3,739,887 20,412 SH   SOLE   20,412 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 20,607,464 50,337 SH   SOLE   50,337 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 BBG001S63NQ1 4,628,107 10,096 SH   SOLE   10,096 0 0
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 660,240 5,337 SH   SOLE   5,337 0 0
STARBUCKS CORP COM 855244109 BBG001S72KH6 213,571 2,051 SH   SOLE   2,051 0 0
STATE STR CORP COM 857477103 BBG001S5RLD5 477,453 6,308 SH   SOLE   6,308 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 BBG001S5WWW4 652,721 7,017 SH   SOLE   7,017 0 0
TARGET CORP COM 87612E106 BBG001SC0K41 849,682 5,130 SH   SOLE   5,130 0 0
TE CONNECTIVITY LTD SHS H84989104 BBG001STLRP3 603,290 4,600 SH   SOLE   4,600 0 0
THE CIGNA GROUP COM 125523100 BBG00KXRCDQ9 490,107 1,918 SH   SOLE   1,918 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 1,318,158 2,287 SH   SOLE   2,287 0 0
T-MOBILE US INC COM 872590104 BBG001SKR9Y6 555,606 3,836 SH   SOLE   3,836 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 BBG001S5SBV6 242,670 1,319 SH   SOLE   1,319 0 0
TRUIST FINL CORP COM 89832Q109 BBG001S5YYC0 411,860 12,078 SH   SOLE   12,078 0 0
UNILEVER PLC SPON ADR NEW 904767704 BBG001S5X1K4 274,917 5,294 SH   SOLE   5,294 0 0
UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 351,898 1,814 SH   SOLE   1,814 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 2,053,404 4,345 SH   SOLE   4,345 0 0
US BANCORP DEL COM NEW 902973304 BBG001S6T8C1 210,027 5,826 SH   SOLE   5,826 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 1,388,678 16,723 SH   SOLE   16,723 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 2,570,438 6,835 SH   SOLE   6,835 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 3,678,306 18,022 SH   SOLE   18,022 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 5,312,277 131,492 SH   SOLE   131,492 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 6,086,240 110,238 SH   SOLE   110,238 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 1,747,176 38,680 SH   SOLE   38,680 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 260,719 6,704 SH   SOLE   6,704 0 0
VMWARE INC CL A COM 928563402 BBG001S6TFZ0 586,795 4,700 SH   SOLE   4,700 0 0
WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 4,749,764 127,067 SH   SOLE   127,067 0 0
WILLIAMS COS INC COM 969457100 BBG001S5XH10 399,437 13,377 SH   SOLE   13,377 0 0
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 BBG001S6SX73 204,474 643 SH   SOLE   643 0 0