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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 1,257 10,621 SH   SOLE   10,621 0 0
ABBVIE INC COM 00287Y109 544 3,356 SH   SOLE   3,356 0 0
ALPHABET INC CAP STK CL A 02079K305 4,637 1,667 SH   SOLE   1,667 0 0
ALPHABET INC CAP STK CL C 02079K107 361 129 SH   SOLE   129 0 0
AMAZON COM INC COM 023135106 2,696 827 SH   SOLE   827 0 0
AMERISOURCEBERGEN CORP COM 03073E105 3,988 25,780 SH   SOLE   25,780 0 0
AMGEN INC COM 031162100 424 1,753 SH   SOLE   1,753 0 0
APPLE INC COM 037833100 13,519 77,427 SH   SOLE   77,427 0 0
BLACKSTONE INC COM 09260D107 785 6,187 SH   SOLE   6,187 0 0
CAMECO CORP COM 13321L108 291 10,000 SH   SOLE   10,000 0 0
CITIZENS FINL GROUP INC COM 174610105 535 11,797 SH   SOLE   11,797 0 0
COSTCO WHSL CORP NEW COM 22160K105 393 682 SH   SOLE   682 0 0
CVS HEALTH CORP COM 126650100 6,931 68,484 SH   SOLE   68,484 0 0
EMERSON ELEC CO COM 291011104 2,868 29,247 SH   SOLE   29,247 0 0
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 1,838 36,931 SH   SOLE   36,931 0 0
FIRST MAJESTIC SILVER CORP COM 32076V103 526 40,000 SH   SOLE   40,000 0 0
GLOBAL X FDS GLOBAL X URANIUM 37954Y871 262 10,000 SH   SOLE   10,000 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 20,035 225,007 SH   SOLE   225,007 0 0
HP INC COM 40434L105 241 6,632 SH   SOLE   6,632 0 0
ILLUMINA INC COM 452327109 245 700 SH   SOLE   700 0 0
INTEL CORP COM 458140100 499 10,075 SH   SOLE   10,075 0 0
ISHARES TR 0-3 MNTH TREASRY 46436E718 532 5,315 SH   SOLE   5,315 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 1,627 15,142 SH   SOLE   15,142 0 0
ISHARES TR CORE MSCI EAFE 46432F842 10,748 154,627 SH   SOLE   154,627 0 0
ISHARES TR CORE S&P SCP ETF 464287804 730 6,770 SH   SOLE   6,770 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,065 2,348 SH   SOLE   2,348 0 0
ISHARES TR MSCI INTL MULTFT 46434V274 3,801 137,352 SH   SOLE   137,352 0 0
ISHARES TR MSCI USA MMENTM 46432F396 5,295 31,465 SH   SOLE   31,465 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 9,267 68,837 SH   SOLE   68,837 0 0
ISHARES TR MSCI USA VALUE 46432F388 2,076 19,852 SH   SOLE   19,852 0 0
JOHNSON & JOHNSON COM 478160104 213 1,204 SH   SOLE   1,204 0 0
JPMORGAN CHASE & CO COM 46625H100 5,535 40,603 SH   SOLE   40,603 0 0
KINROSS GOLD CORP COM 496902404 88 15,000 SH   SOLE   15,000 0 0
LOWES COS INC COM 548661107 633 3,132 SH   SOLE   3,132 0 0
META PLATFORMS INC CL A 30303M102 1,107 4,978 SH   SOLE   4,978 0 0
MICROSOFT CORP COM 594918104 17,398 56,429 SH   SOLE   56,429 0 0
MONDELEZ INTL INC CL A 609207105 3,016 48,043 SH   SOLE   48,043 0 0
MOSAIC CO NEW COM 61945C103 1,599 24,043 SH   SOLE   24,043 0 0
NETFLIX INC COM 64110L106 3,962 10,578 SH   SOLE   10,578 0 0
NEW FOUND GOLD CORP COM 64440N103 153 25,000 SH   SOLE   25,000 0 0
NMI HLDGS INC CL A 629209305 3,615 175,338 SH   SOLE   175,338 0 0
NVR INC COM 62944T105 2,841 636 SH   SOLE   636 0 0
OLD REP INTL CORP COM 680223104 302 11,655 SH   SOLE   11,655 0 0
PAYCHEX INC COM 704326107 279 2,046 SH   SOLE   2,046 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467 1,095 11,540 SH   SOLE   11,540 0 0
QUALCOMM INC COM 747525103 242 1,586 SH   SOLE   1,586 0 0
SCHWAB CHARLES CORP COM 808513105 4,499 53,368 SH   SOLE   53,368 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 4,152 83,804 SH   SOLE   83,804 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,958 36,679 SH   SOLE   36,679 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 8,463 111,563 SH   SOLE   111,563 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 7,964 131,186 SH   SOLE   131,186 0 0
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 236 2,630 SH   SOLE   2,630 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 238 1,500 SH   SOLE   1,500 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 904 2,001 SH   SOLE   2,001 0 0
SPROTT PHYSICAL GOLD & SILVE TR UNIT 85208R101 833 43,000 SH   SOLE   43,000 0 0
SPROTT PHYSICAL GOLD TR UNIT 85207H104 189 12,280 SH   SOLE   12,280 0 0
SPROTT PHYSICAL PLAT PALLAD UNIT 85207Q104 577 35,800 SH   SOLE   35,800 0 0
SPROTT PHYSICAL SILVER TR TR UNIT 85207K107 1,096 125,000 SH   SOLE   125,000 0 0
TESLA INC COM 88160R101 1,251 1,161 SH   SOLE   1,161 0 0
TEXTRON INC COM 883203101 3,547 47,687 SH   SOLE   47,687 0 0
T-MOBILE US INC COM 872590104 3,610 28,123 SH   SOLE   28,123 0 0
UNION PAC CORP COM 907818108 287 1,049 SH   SOLE   1,049 0 0
UNITEDHEALTH GROUP INC COM 91324P102 9,217 18,073 SH   SOLE   18,073 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 1,488 6,257 SH   SOLE   6,257 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 888 5,475 SH   SOLE   5,475 0 0
VISA INC COM CL A 92826C839 223 1,006 SH   SOLE   1,006 0 0