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
AB ACTIVE ETFS INC ULTRA SHORT INCM 00039J103   15,199,197 302,231 SH   SOLE 0 0 0 302,231
ABBOTT LABS COM 002824100   320,964 2,916 SH   SOLE 0 0 0 2,916
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   2,275,726 115,285 SH   SOLE 0 0 0 115,285
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108   715,729 31,433 SH   SOLE 0 0 0 31,433
ALPHABET INC CAP STK CL A 02079K305   284,129 2,034 SH   SOLE 0 0 0 2,034
AMAZON COM INC COM 023135106   1,117,671 7,356 SH   SOLE 0 0 0 7,356
AMEREN CORP COM 023608102   240,603 3,326 SH   SOLE 0 0 0 3,326
AMPLIFY ETF TR CWP ENHANCED DIV 032108409   308,848 8,450 SH   SOLE 0 0 0 8,450
APPLE INC COM 037833100   6,491,727 33,718 SH   SOLE 0 0 0 33,718
ARCHER DANIELS MIDLAND CO COM 039483102   232,260 3,216 SH   SOLE 0 0 0 3,216
AT&T INC COM 00206R102   712,988 42,490 SH   SOLE 0 0 0 42,490
BANK AMERICA CORP COM 060505104   344,012 10,217 SH   SOLE 0 0 0 10,217
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,100,296 3,085 SH   SOLE 0 0 0 3,085
BLACKSTONE INC COM 09260D107   557,292 4,257 SH   SOLE 0 0 0 4,257
BRISTOL-MYERS SQUIBB CO COM 110122108   330,436 6,440 SH   SOLE 0 0 0 6,440
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201   778,339 11,519 SH   SOLE 0 0 0 11,519
CATERPILLAR INC COM 149123101   757,802 2,563 SH   SOLE 0 0 0 2,563
CHEVRON CORP NEW COM 166764100   1,390,678 9,323 SH   SOLE 0 0 0 9,323
CISCO SYS INC COM 17275R102   631,782 12,506 SH   SOLE 0 0 0 12,506
CITIGROUP INC COM NEW 172967424   416,569 8,098 SH   SOLE 0 0 0 8,098
COLGATE PALMOLIVE CO COM 194162103   689,571 8,651 SH   SOLE 0 0 0 8,651
COSTCO WHSL CORP NEW COM 22160K105   467,997 709 SH   SOLE 0 0 0 709
CYBIN INC COM 23256X100   6,378 15,555 SH   SOLE 0 0 0 15,555
DIGITAL RLTY TR INC COM 253868103   350,446 2,604 SH   SOLE 0 0 0 2,604
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   466,099 16,274 SH   SOLE 0 0 0 16,274
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   314,106 10,746 SH   SOLE 0 0 0 10,746
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   1,045,151 19,972 SH   SOLE 0 0 0 19,972
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   279,003 8,120 SH   SOLE 0 0 0 8,120
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   469,442 9,986 SH   SOLE 0 0 0 9,986
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   242,252 9,489 SH   SOLE 0 0 0 9,489
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740   316,471 12,558 SH   SOLE 0 0 0 12,558
DUPONT DE NEMOURS INC COM 26614N102   204,380 2,657 SH   SOLE 0 0 0 2,657
ELI LILLY & CO COM 532457108   4,081,357 7,002 SH   SOLE 0 0 0 7,002
EOG RES INC COM 26875P101   252,665 2,089 SH   SOLE 0 0 0 2,089
EXPEDIA GROUP INC COM NEW 30212P303   272,159 1,793 SH   SOLE 0 0 0 1,793
EXXON MOBIL CORP COM 30231G102   917,583 9,178 SH   SOLE 0 0 0 9,178
FEDEX CORP COM 31428X106   336,450 1,330 SH   SOLE 0 0 0 1,330
FIRST TR EXCHANGE-TRADED FD FT CBOE VEST S&P 33739Q705   1,411,226 27,307 SH   SOLE 0 0 0 27,307
FIRST TR EXCHANGE-TRADED FD FT CBOE VEST GLD 33733E856   949,641 49,409 SH   SOLE 0 0 0 49,409
FORD MTR CO DEL COM 345370860   577,813 47,401 SH   SOLE 0 0 0 47,401
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   301,922 53,249 SH   SOLE 0 0 0 53,249
FS KKR CAP CORP COM 302635206   634,607 31,778 SH   SOLE 0 0 0 31,778
GARMIN LTD SHS H2906T109   290,500 2,260 SH   SOLE 0 0 0 2,260
GENERAL ELECTRIC CO COM NEW 369604301   387,515 3,036 SH   SOLE 0 0 0 3,036
GENERAL MTRS CO COM 37045V100   325,863 9,072 SH   SOLE 0 0 0 9,072
GLOBAL X FDS LITHIUM BTRY ETF 37954Y855   515,156 10,113 SH   SOLE 0 0 0 10,113
HOME DEPOT INC COM 437076102   1,333,871 3,849 SH   SOLE 0 0 0 3,849
INTEL CORP COM 458140100   340,125 6,769 SH   SOLE 0 0 0 6,769
INTERNATIONAL BUSINESS MACHS COM 459200101   330,207 2,019 SH   SOLE 0 0 0 2,019
INVESCO DB MULTI-SECTOR COMM AGRICULTURE FD 46140H106   433,694 20,911 SH   SOLE 0 0 0 20,911
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362   269,812 6,362 SH   SOLE 0 0 0 6,362
INVESCO QQQ TR UNIT SER 1 46090E103   399,282 975 SH   SOLE 0 0 0 975
ISHARES INC CORE MSCI EMKT 46434G103   425,530 8,413 SH   SOLE 0 0 0 8,413
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107   569,263 28,378 SH   SOLE 0 0 0 28,378
ISHARES SILVER TR ISHARES 46428Q109   477,614 21,929 SH   SOLE 0 0 0 21,929
ISHARES TR EAFE VALUE ETF 464288877   688,293 13,211 SH   SOLE 0 0 0 13,211
ISHARES TR EAFE GRWTH ETF 464288885   427,786 4,417 SH   SOLE 0 0 0 4,417
ISHARES TR MODERT ALLOC ETF 464289875   205,516 4,951 SH   SOLE 0 0 0 4,951
ISHARES TR MBS ETF 464288588   663,734 7,055 SH   SOLE 0 0 0 7,055
ISHARES TR PFD AND INCM SEC 464288687   4,955,101 158,868 SH   SOLE 0 0 0 158,868
ISHARES TR INTL SEL DIV ETF 464288448   333,053 11,899 SH   SOLE 0 0 0 11,899
ISHARES TR TRS FLT RT BD 46434V860   574,853 11,390 SH   SOLE 0 0 0 11,390
ISHARES TR CORE TOTAL USD 46434V613   2,058,638 44,685 SH   SOLE 0 0 0 44,685
ISHARES TR MSCI USA QLT FCT 46432F339   635,939 4,322 SH   SOLE 0 0 0 4,322
ISHARES TR ESG MSCI LEADR 46435U218   242,339 2,872 SH   SOLE 0 0 0 2,872
ISHARES TR U.S. TECH ETF 464287721   220,950 1,800 SH   SOLE 0 0 0 1,800
ISHARES TR U.S. UTILITS ETF 464287697   1,870,682 23,404 SH   SOLE 0 0 0 23,404
ISHARES TR CORE S&P MCP ETF 464287507   328,700 1,186 SH   SOLE 0 0 0 1,186
ISHARES TR CORE S&P500 ETF 464287200   9,520,121 19,932 SH   SOLE 0 0 0 19,932
ISHARES TR S&P 500 GRWT ETF 464287309   463,292 6,169 SH   SOLE 0 0 0 6,169
ISHARES TR RUSSELL 2000 ETF 464287655   306,283 1,526 SH   SOLE 0 0 0 1,526
ISHARES TR 20 YR TR BD ETF 464287432   2,448,961 24,767 SH   SOLE 0 0 0 24,767
ISHARES TR IBOXX INV CP ETF 464287242   274,326 2,479 SH   SOLE 0 0 0 2,479
ISHARES TR S&P 100 ETF 464287101   339,106 1,518 SH   SOLE 0 0 0 1,518
ISHARES TR TIPS BD ETF 464287176   1,326,427 12,340 SH   SOLE 0 0 0 12,340
ISHARES U S ETF TR IT RT HDG HGYL 46431W606   503,628 5,992 SH   SOLE 0 0 0 5,992
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   276,989 5,038 SH   SOLE 0 0 0 5,038
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   3,048,308 60,687 SH   SOLE 0 0 0 60,687
JACOBS SOLUTIONS INC COM 46982L108   235,327 1,813 SH   SOLE 0 0 0 1,813
JOHNSON & JOHNSON COM 478160104   311,129 1,985 SH   SOLE 0 0 0 1,985
JPMORGAN CHASE & CO COM 46625H100   875,767 5,149 SH   SOLE 0 0 0 5,149
KRAFT HEINZ CO COM 500754106   336,294 9,094 SH   SOLE 0 0 0 9,094
KROGER CO COM 501044101   461,671 10,100 SH   SOLE 0 0 0 10,100
LAM RESEARCH CORP COM 512807108   450,375 575 SH   SOLE 0 0 0 575
LINCOLN NATL CORP IND COM 534187109   239,723 8,888 SH   SOLE 0 0 0 8,888
LINDE PLC SHS G54950103   236,980 577 SH   SOLE 0 0 0 577
LOWES COS INC COM 548661107   201,408 905 SH   SOLE 0 0 0 905
MASTERCARD INCORPORATED CL A 57636Q104   587,731 1,378 SH   SOLE 0 0 0 1,378
MCDONALDS CORP COM 580135101   797,315 2,689 SH   SOLE 0 0 0 2,689
MEDTRONIC PLC SHS G5960L103   226,380 2,748 SH   SOLE 0 0 0 2,748
MERCK & CO INC COM 58933Y105   573,336 5,259 SH   SOLE 0 0 0 5,259
META PLATFORMS INC CL A 30303M102   1,010,910 2,856 SH   SOLE 0 0 0 2,856
MICROSOFT CORP COM 594918104   2,645,441 7,035 SH   SOLE 0 0 0 7,035
NEW JERSEY RES CORP COM 646025106   216,213 4,850 SH   SOLE 0 0 0 4,850
NVIDIA CORPORATION COM 67066G104   2,314,658 4,674 SH   SOLE 0 0 0 4,674
NXP SEMICONDUCTORS N V COM N6596X109   266,429 1,160 SH   SOLE 0 0 0 1,160
ONEOK INC NEW COM 682680103   310,233 4,418 SH   SOLE 0 0 0 4,418
PEPSICO INC COM 713448108   226,906 1,336 SH   SOLE 0 0 0 1,336
PFIZER INC COM 717081103   296,288 10,291 SH   SOLE 0 0 0 10,291
PGIM ETF TR PGIM ULTRA SH BD 69344A107   1,675,901 33,932 SH   SOLE 0 0 0 33,932
PROCTER AND GAMBLE CO COM 742718109   662,654 4,522 SH   SOLE 0 0 0 4,522
PROSHARES TR S&P 500 DV ARIST 74348A467   364,426 3,828 SH   SOLE 0 0 0 3,828
QUALCOMM INC COM 747525103   327,008 2,261 SH   SOLE 0 0 0 2,261
REPUBLIC SVCS INC COM 760759100   440,351 2,670 SH   SOLE 0 0 0 2,670
SCHWAB CHARLES CORP COM 808513105   221,880 3,225 SH   SOLE 0 0 0 3,225
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   758,382 20,519 SH   SOLE 0 0 0 20,519
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   951,242 16,866 SH   SOLE 0 0 0 16,866
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   259,253 5,488 SH   SOLE 0 0 0 5,488
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   560,561 6,757 SH   SOLE 0 0 0 6,757
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   226,357 9,131 SH   SOLE 0 0 0 9,131
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   208,005 3,758 SH   SOLE 0 0 0 3,758
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   420,917 12,479 SH   SOLE 0 0 0 12,479
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   659,909 10,654 SH   SOLE 0 0 0 10,654
SCHWAB STRATEGIC TR US REIT ETF 808524847   403,783 19,497 SH   SOLE 0 0 0 19,497
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   1,521,414 17,786 SH   SOLE 0 0 0 17,786
SELECT SECTOR SPDR TR ENERGY 81369Y506   3,061,250 36,513 SH   SOLE 0 0 0 36,513
SOUTHERN CO COM 842587107   421,536 6,012 SH   SOLE 0 0 0 6,012
SPDR GOLD TR GOLD SHS 78463V107   1,465,509 7,666 SH   SOLE 0 0 0 7,666
SPDR S&P 500 ETF TR TR UNIT 78462F103   984,367 2,071 SH   SOLE 0 0 0 2,071
SPDR SER TR S&P METALS MNG 78464A755   1,806,447 30,193 SH   SOLE 0 0 0 30,193
SPROTT PHYSICAL GOLD & SILVE TR UNIT 85208R101   1,245,803 65,055 SH   SOLE 0 0 0 65,055
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   576,747 13,755 SH   SOLE 0 0 0 13,755
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   232,544 2,236 SH   SOLE 0 0 0 2,236
TARGET CORP COM 87612E106   227,160 1,595 SH   SOLE 0 0 0 1,595
TESLA INC COM 88160R101   286,994 1,155 SH   SOLE 0 0 0 1,155
TOTALENERGIES SE SPONSORED ADS 89151E109   553,693 8,217 SH   SOLE 0 0 0 8,217
UNION PAC CORP COM 907818108   245,866 1,001 SH   SOLE 0 0 0 1,001
UNITED RENTALS INC COM 911363109   291,297 508 SH   SOLE 0 0 0 508
UNUM GROUP COM 91529Y106   613,175 13,560 SH   SOLE 0 0 0 13,560
US BANCORP DEL COM NEW 902973304   3,943,368 91,113 SH   SOLE 0 0 0 91,113
VANECK ETF TRUST GOLD MINERS ETF 92189F106   263,678 8,503 SH   SOLE 0 0 0 8,503
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   204,565 2,656 SH   SOLE 0 0 0 2,656
VANGUARD INDEX FDS MID CAP ETF 922908629   1,402,064 6,027 SH   SOLE 0 0 0 6,027
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,215,383 5,697 SH   SOLE 0 0 0 5,697
VANGUARD INDEX FDS GROWTH ETF 922908736   666,216 2,143 SH   SOLE 0 0 0 2,143
VANGUARD INDEX FDS VALUE ETF 922908744   1,418,357 9,487 SH   SOLE 0 0 0 9,487
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,577,677 10,866 SH   SOLE 0 0 0 10,866
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   798,813 19,436 SH   SOLE 0 0 0 19,436
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   209,818 3,254 SH   SOLE 0 0 0 3,254
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   277,467 2,697 SH   SOLE 0 0 0 2,697
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,953,816 11,466 SH   SOLE 0 0 0 11,466
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   3,672,858 76,678 SH   SOLE 0 0 0 76,678
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   202,050 1,810 SH   SOLE 0 0 0 1,810
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   413,372 5,210 SH   SOLE 0 0 0 5,210
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   256,727 2,783 SH   SOLE 0 0 0 2,783
VANGUARD WORLD FDS UTILITIES ETF 92204A876   2,203,126 16,073 SH   SOLE 0 0 0 16,073
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   287,052 1,145 SH   SOLE 0 0 0 1,145
VANGUARD WORLD FDS ENERGY ETF 92204A306   421,504 3,594 SH   SOLE 0 0 0 3,594
VERIZON COMMUNICATIONS INC COM 92343V104   465,354 12,344 SH   SOLE 0 0 0 12,344
WALMART INC COM 931142103   402,008 2,550 SH   SOLE 0 0 0 2,550
WISDOMTREE TR ITL HIGH DIV FD 97717W802   1,270,271 32,662 SH   SOLE 0 0 0 32,662
ZOETIS INC CL A 98978V103   227,568 1,153 SH   SOLE 0 0 0 1,153