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
3M CO COM 88579Y101 BBG001S5T7X2 324,134 2,965 SH   SOLE   0 0 2,965
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 292,717 1,889 SH   SOLE   0 0 1,889
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108 BBG001T56K58 2,645,897 116,201 SH   SOLE   0 0 116,201
AFLAC INC COM 001055102 BBG001S5NGJ4 863,505 10,467 SH   SOLE   0 0 10,467
ALLSTATE CORP COM 020002101 BBG001S9BM06 238,246 1,702 SH   SOLE   0 0 1,702
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 329,390 2,358 SH   SOLE   0 0 2,358
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 238,313 1,691 SH   SOLE   0 0 1,691
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 281,937 6,989 SH   SOLE   0 0 6,989
AMCOR PLC ORD G0250X107 BBG00LNJRQ18 127,306 13,206 SH   SOLE   0 0 13,206
AMERICAN TOWER CORP NEW COM 03027X100 BBG001S5NPQ6 217,392 1,007 SH   SOLE   0 0 1,007
AMGEN INC COM 031162100 BBG001S5NNL6 218,608 759 SH   SOLE   0 0 759
APPLE INC COM 037833100 BBG001S5N8V8 1,022,222 5,309 SH   SOLE   0 0 5,309
APPLIED MATLS INC COM 038222105 BBG001S5NMM7 353,637 2,182 SH   SOLE   0 0 2,182
ARCHER DANIELS MIDLAND CO COM 039483102 BBG001S5ND74 283,970 3,932 SH   SOLE   0 0 3,932
AT&T INC COM 00206R102 BBG001S5VWH2 374,228 22,302 SH   SOLE   0 0 22,302
ATKORE INC COM 047649108 BBG001T8LDZ8 289,440 1,809 SH   SOLE   0 0 1,809
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 230,741 6,853 SH   SOLE   0 0 6,853
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 491,810 9,585 SH   SOLE   0 0 9,585
BROADCOM INC COM 11135F101 BBG00KHY5SY8 300,272 269 SH   SOLE   0 0 269
CATERPILLAR INC COM 149123101 BBG001S5PJ06 355,987 1,204 SH   SOLE   0 0 1,204
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 602,905 4,042 SH   SOLE   0 0 4,042
CISCO SYS INC COM 17275R102 BBG001S6HC62 468,422 9,272 SH   SOLE   0 0 9,272
COCA COLA CO COM 191216100 BBG001S5SMQ8 251,076 4,261 SH   SOLE   0 0 4,261
COMERICA INC COM 200340107 BBG001S6PXB1 325,094 5,825 SH   SOLE   0 0 5,825
CUMMINS INC COM 231021106 BBG001S5Q9M3 614,737 2,566 SH   SOLE   0 0 2,566
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 385,404 4,881 SH   SOLE   0 0 4,881
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 390,422 3,905 SH   SOLE   0 0 3,905
FIRST SOLAR INC COM 336433107 BBG001S991Z7 344,733 2,001 SH   SOLE   0 0 2,001
FORD MTR CO DEL COM 345370860 BBG001S5TZ33 216,568 17,766 SH   SOLE   0 0 17,766
GENERAL DYNAMICS CORP COM 369550108 BBG001S5RHP1 217,864 839 SH   SOLE   0 0 839
GENUINE PARTS CO COM 372460105 BBG001S5RNH7 508,849 3,674 SH   SOLE   0 0 3,674
GILEAD SCIENCES INC COM 375558103 BBG001S6Y1X7 444,907 5,492 SH   SOLE   0 0 5,492
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 BBG00DRGSD25 438,059 4,392 SH   SOLE   0 0 4,392
HERSHEY CO COM 427866108 BBG001S5S148 439,626 2,358 SH   SOLE   0 0 2,358
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 266,914 1,632 SH   SOLE   0 0 1,632
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 236,801 4,087 SH   SOLE   0 0 4,087
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 26,961,291 500,953 SH   SOLE   0 0 500,953
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 17,832,446 179,672 SH   SOLE   0 0 179,672
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 30,657,900 816,238 SH   SOLE   0 0 816,238
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 8,704,003 80,975 SH   SOLE   0 0 80,975
ISHARES TR US INFRASTRUC 46435U713 BBG00KHHFPF1 2,730,911 67,815 SH   SOLE   0 0 67,815
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 455,698 2,679 SH   SOLE   0 0 2,679
KOHLS CORP COM 500255104 BBG001S71NV5 214,728 7,487 SH   SOLE   0 0 7,487
LAM RESEARCH CORP COM 512807108 BBG001S5SW40 281,974 360 SH   SOLE   0 0 360
LINDE PLC SHS G54950103 BBG01FND0CH6 381,550 929 SH   SOLE   0 0 929
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 363,046 801 SH   SOLE   0 0 801
LOWES COS INC COM 548661107 BBG001S5SVL3 346,733 1,558 SH   SOLE   0 0 1,558
MERCK & CO INC COM 58933Y105 BBG001S5TC52 258,269 2,369 SH   SOLE   0 0 2,369
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 222,641 629 SH   SOLE   0 0 629
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,382,874 3,677 SH   SOLE   0 0 3,677
MORGAN STANLEY COM NEW 617446448 BBG001S9V5Z3 389,133 4,173 SH   SOLE   0 0 4,173
QUALCOMM INC COM 747525103 BBG001S6VS70 201,697 1,395 SH   SOLE   0 0 1,395
RBB FD INC US TREAS 3 MNTH 74933W452 BBG01922X1R4 2,317,294 46,476 SH   SOLE   0 0 46,476
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 296,804 4,314 SH   SOLE   0 0 4,314
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 28,516,624 374,578 SH   SOLE   0 0 374,578
SPDR SER TR S&P METALS MNG 78464A755 BBG001SMH2W0 2,765,463 46,222 SH   SOLE   0 0 46,222
SPROUTS FMRS MKT INC COM 85208M102 BBG001V0MZS0 320,221 6,656 SH   SOLE   0 0 6,656
STANLEY BLACK & DECKER INC COM 854502101 BBG001S5WHT1 237,991 2,426 SH   SOLE   0 0 2,426
TARGET CORP COM 87612E106 BBG001SC0K41 422,561 2,967 SH   SOLE   0 0 2,967
TESLA INC COM 88160R101 BBG001SQKGD7 943,231 3,796 SH   SOLE   0 0 3,796
THE TRADE DESK INC COM CL A 88339J105 BBG00629NGW8 1,165,896 16,202 SH   SOLE   0 0 16,202
VALERO ENERGY CORP COM 91913Y100 BBG001S5X8K9 545,535 4,196 SH   SOLE   0 0 4,196
VANECK ETF TRUST PREFERRED SECURT 92189F429 BBG0034VZPF0 3,207,318 186,689 SH   SOLE   0 0 186,689
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 13,220,920 173,094 SH   SOLE   0 0 173,094
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 10,773,611 218,244 SH   SOLE   0 0 218,244
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 5,889,283 66,651 SH   SOLE   0 0 66,651
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 13,227,076 73,496 SH   SOLE   0 0 73,496
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 18,207,670 443,009 SH   SOLE   0 0 443,009
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 508,203 9,955 SH   SOLE   0 0 9,955
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 4,389,652 91,642 SH   SOLE   0 0 91,642
VANGUARD WORLD FDS ENERGY ETF 92204A306 BBG001SHTV45 2,648,535 22,583 SH   SOLE   0 0 22,583
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 BBG001SHTTM0 207,401 2,248 SH   SOLE   0 0 2,248
VANGUARD WORLD FDS MATERIALS ETF 92204A801 BBG001SHTTP7 2,733,617 14,392 SH   SOLE   0 0 14,392
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 466,977 12,387 SH   SOLE   0 0 12,387