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
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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 1,311,728 12,869 SH   SOLE   12,869 0 0
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 2,354,640 13,838 SH   SOLE   13,838 0 0
ABRDN ETFS BBG INDUSTRL MET 003261609 BBG012GMQ6L3 844,298 36,135 SH   SOLE   36,135 0 0
ABRDN ETFS BBRG ALL COMD K1 003261104 BBG00G9CFDS3 2,200,621 108,245 SH   SOLE   108,245 0 0
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108 BBG001T56K58 498,336 17,900 SH   SOLE   17,900 0 0
AFLAC INC COM 001055102 BBG001S5NGJ4 1,506,937 16,924 SH   SOLE   16,924 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 421,862 2,262 SH   SOLE   2,262 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 296,827 1,573 SH   SOLE   1,573 0 0
ALTSHARES TRUST MERGER ARBITRAGE 02210T108 BBG00S7NVRB4 386,476 14,301 SH   SOLE   14,301 0 0
AMERICA MOVIL SAB DE CV SPON ADS RP CL B 02390A101 BBG01FRH5ND8 1,237,555 72,339 SH   SOLE   72,339 0 0
AMGEN INC COM 031162100 BBG001S5NNL6 1,213,301 3,888 SH   SOLE   3,888 0 0
APPLE INC COM 037833100 BBG001S5N8V8 2,350,364 10,652 SH   SOLE   10,652 0 0
APPLIED MATLS INC COM 038222105 BBG001S5NMM7 261,501 1,088 SH   SOLE   1,088 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 BBG001SB80N8 1,630,258 20,947 SH   SOLE   20,947 0 0
AT&T INC COM 00206R102 BBG001S5VWH2 1,240,849 65,124 SH   SOLE   65,124 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 896,654 3,781 SH   SOLE   3,781 0 0
BLACKROCK INC COM 09247X101 BBG001SDBP55 712,541 904 SH   SOLE   904 0 0
BROADCOM INC COM 11135F101 BBG00KHY5SY8 1,093,515 663 SH   SOLE   663 0 0
CARDINAL HEALTH INC COM 14149Y108 BBG001S7PC34 1,207,830 12,309 SH   SOLE   12,309 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 248,294 1,595 SH   SOLE   1,595 0 0
CINTAS CORP COM 172908105 BBG001S7CRG1 948,110 1,347 SH   SOLE   1,347 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 1,628,816 34,462 SH   SOLE   34,462 0 0
CITIGROUP INC COM NEW 172967424 BBG001S72ZG4 2,086,182 32,722 SH   SOLE   32,722 0 0
CUMMINS INC COM 231021106 BBG001S5Q9M3 773,306 2,817 SH   SOLE   2,817 0 0
DBX ETF TR XTRACK MSCI EAFE 233051200 BBG001S9Z3V8 986,817 23,810 SH   SOLE   23,810 0 0
DBX ETF TR XTRACK MSCI EAFE 233051630 BBG009RY6HH4 6,326,136 258,395 SH   SOLE   258,395 0 0
DBX ETF TR XTRACK MUN INFRA 233051705 BBG004LV7GH8 294,146 11,497 SH   SOLE   11,497 0 0
DBX ETF TR XTRACKERS LOW 233051267 BBG00JQCHVS6 3,146,989 68,164 SH   SOLE   68,164 0 0
ELI LILLY & CO COM 532457108 BBG001S5STL8 275,400 300 SH   SOLE   300 0 0
ENBRIDGE INC COM 29250N105 BBG001S6Q6D7 1,582,585 44,532 SH   SOLE   44,532 0 0
EOG RES INC COM 26875P101 BBG001S5ZB93 223,052 1,774 SH   SOLE   1,774 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 1,625,102 14,186 SH   SOLE   14,186 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US 33740F771 BBG00RPLC4T3 549,997 13,503 SH   SOLE   13,503 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 BBG00243P8S9 789,416 19,621 SH   SOLE   19,621 0 0
GENERAL DYNAMICS CORP COM 369550108 BBG001S5RHP1 1,347,139 4,674 SH   SOLE   4,674 0 0
GENERAL MLS INC COM 370334104 BBG001S5RKR2 1,067,794 16,919 SH   SOLE   16,919 0 0
GILEAD SCIENCES INC COM 375558103 BBG001S6Y1X7 1,125,569 16,443 SH   SOLE   16,443 0 0
GLOBAL X FDS GLOBAL X SILVER 37954Y848 BBG001SSPRJ8 204,865 6,152 SH   SOLE   6,152 0 0
GLOBAL X FDS GLOBAL X URANIUM 37954Y871 BBG001TF8NP6 502,601 17,361 SH   SOLE   17,361 0 0
GLOBAL X FDS US PFD ETF 37954Y657 BBG00HPF2LX6 2,247,257 113,997 SH   SOLE   113,997 0 0
GLOBAL X FDS X EMERGING MKT 37954Y350 BBG00V6QGWD5 238,559 10,520 SH   SOLE   10,520 0 0
GRAINGER W W INC COM 384802104 BBG001S5RRD2 927,948 1,023 SH   SOLE   1,023 0 0
GRANITESHARES GOLD TR SHS BEN INT 38748G101 BBG00HBPWNP1 2,474,284 107,498 SH   SOLE   107,498 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 888,823 2,593 SH   SOLE   2,593 0 0
INNOVATOR ETFS TRUST US EQTY PWR BF 45782C680 BBG00PVP39R2 345,353 9,423 SH   SOLE   9,423 0 0
INVESCO ACTVELY MNGD ETC FD AGRI CMDTY STRA 46090F308 BBG0196RJS01 1,905,416 55,390 SH   SOLE   55,390 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 4,753,191 88,095 SH   SOLE   88,095 0 0
ISHARES INC JP MRG EM CRP BD 464286251 BBG002WGKJD6 532,591 12,004 SH   SOLE   12,004 0 0
ISHARES INC MSCI EMERG MRKT 464286533 BBG0025X3FS0 323,545 5,588 SH   SOLE   5,588 0 0
ISHARES INC MSCI EURZONE ETF 464286608 BBG001SFQPM5 1,482,493 29,983 SH   SOLE   29,983 0 0
ISHARES INC MSCI GERMANY ETF 464286806 BBG001S8SJC4 1,566,453 50,813 SH   SOLE   50,813 0 0
ISHARES SILVER TR ISHARES 46428Q109 BBG001SQLN69 560,046 20,094 SH   SOLE   20,094 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 6,881,400 69,203 SH   SOLE   69,203 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 266,342 3,262 SH   SOLE   3,262 0 0
ISHARES TR 10+ YR INVST GRD 464289511 BBG001T5MKD1 447,772 8,855 SH   SOLE   8,855 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 BBG001SSD812 859,281 7,432 SH   SOLE   7,432 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 BBG001S80936 1,274,413 13,554 SH   SOLE   13,554 0 0
ISHARES TR AGENCY BOND ETF 464288166 BBG001T2RRQ4 519,411 4,819 SH   SOLE   4,819 0 0
ISHARES TR BB RAT CORP BD 46435U473 BBG00XR0V4D0 883,292 19,163 SH   SOLE   19,163 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 BBG003HC6JD6 1,634,065 34,469 SH   SOLE   34,469 0 0
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 3,603,578 72,071 SH   SOLE   72,071 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 2,306,123 31,206 SH   SOLE   31,206 0 0
ISHARES TR CORE MSCI EURO 46434V738 BBG006MJ8984 238,222 4,183 SH   SOLE   4,183 0 0
ISHARES TR CORE MSCI INTL 46435G326 BBG00G9DM0M7 3,621,365 55,157 SH   SOLE   55,157 0 0
ISHARES TR CORE MSCI PAC 46434V696 BBG006MJG5T0 2,356,668 38,493 SH   SOLE   38,493 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 696,183 10,116 SH   SOLE   10,116 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 208,194 3,558 SH   SOLE   3,558 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 738,705 6,926 SH   SOLE   6,926 0 0
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 1,802,043 15,013 SH   SOLE   15,013 0 0
ISHARES TR CORE S&P US GWT 464287671 BBG001SFQL99 3,305,936 25,385 SH   SOLE   25,385 0 0
ISHARES TR CORE S&P US VLU 464287663 BBG001SFQL80 3,953,594 44,937 SH   SOLE   44,937 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 12,739,000 23,015 SH   SOLE   23,015 0 0
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 1,687,421 37,315 SH   SOLE   37,315 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 2,971,765 30,482 SH   SOLE   30,482 0 0
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 266,182 4,246 SH   SOLE   4,246 0 0
ISHARES TR INTL TREA BD ETF 464288117 BBG001T33MN2 446,725 11,496 SH   SOLE   11,496 0 0
ISHARES TR ISHARES BIOTECH 464287556 BBG001SGYSW7 1,411,124 10,271 SH   SOLE   10,271 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 691,907 13,448 SH   SOLE   13,448 0 0
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 3,628,001 39,428 SH   SOLE   39,428 0 0
ISHARES TR MSCI ACWI ETF 464288257 BBG001S56QV7 1,084,798 9,461 SH   SOLE   9,461 0 0
ISHARES TR MSCI INTL MOMENT 46434V449 BBG007WGK4B0 2,111,703 53,972 SH   SOLE   53,972 0 0
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 1,851,292 47,236 SH   SOLE   47,236 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 2,033,912 24,207 SH   SOLE   24,207 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 872,127 5,050 SH   SOLE   5,050 0 0
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 784,334 2,586 SH   SOLE   2,586 0 0
ISHARES TR S&P 100 ETF 464287101 BBG001SGB026 1,124,597 4,255 SH   SOLE   4,255 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 231,480 2,412 SH   SOLE   2,412 0 0
ISHARES TR SHORT TREAS BD 464288679 BBG001SSD803 454,266 4,111 SH   SOLE   4,111 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 240,718 2,300 SH   SOLE   2,300 0 0
ISHARES TR U S EQUITY FACTR 46434V282 BBG008LNYFB5 230,724 4,143 SH   SOLE   4,143 0 0
ISHARES TR US TREAS BD ETF 46429B267 BBG002NCKPP8 367,748 16,293 SH   SOLE   16,293 0 0
ISHARES TR USD INV GRDE ETF 464288620 BBG001SSD876 3,831,523 76,009 SH   SOLE   76,009 0 0
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 BBG0079TF237 1,335,049 48,885 SH   SOLE   48,885 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 612,753 10,887 SH   SOLE   10,887 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,540,773 10,553 SH   SOLE   10,553 0 0
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 345,088 1,693 SH   SOLE   1,693 0 0
KENVUE INC COM 49177J102 BBG01C79X614 1,378,430 75,766 SH   SOLE   75,766 0 0
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 2,133,121 15,405 SH   SOLE   15,405 0 0
KLA CORP COM NEW 482480100 BBG001S5SLM4 1,159,005 1,383 SH   SOLE   1,383 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 BBG001S5S0N9 631,492 2,806 SH   SOLE   2,806 0 0
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827 BBG00P35J8L8 277,711 9,177 SH   SOLE   9,177 0 0
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 930,369 1,999 SH   SOLE   1,999 0 0
M & T BK CORP COM 55261F104 BBG001S7S2B4 1,257,894 8,346 SH   SOLE   8,346 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,546,151 3,405 SH   SOLE   3,405 0 0
MID-AMER APT CMNTYS INC COM 59522J103 BBG001S7HZ69 1,233,338 8,692 SH   SOLE   8,692 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307 BBG001S5T9L1 907,076 2,336 SH   SOLE   2,336 0 0
NIKE INC CL B 654106103 BBG001S6NTK2 456,612 6,113 SH   SOLE   6,113 0 0
NUCOR CORP COM 670346105 BBG001S5TRV0 1,343,834 8,549 SH   SOLE   8,549 0 0
OMNICOM GROUP INC COM 681919106 BBG001S5VR10 1,459,736 16,247 SH   SOLE   16,247 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 270,023 1,892 SH   SOLE   1,892 0 0
PARKER-HANNIFIN CORP COM 701094104 BBG001S5V554 1,054,086 2,080 SH   SOLE   2,080 0 0
PAYCHEX INC COM 704326107 BBG001S5V135 766,016 6,487 SH   SOLE   6,487 0 0
PEPSICO INC COM 713448108 BBG001S695T1 258,340 1,573 SH   SOLE   1,573 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 BBG001T5DWK7 248,698 4,816 SH   SOLE   4,816 0 0
PRINCIPAL FINANCIAL GROUP IN COM 74251V102 BBG001SD3148 1,416,279 18,053 SH   SOLE   18,053 0 0
PUBLIC STORAGE OPER CO COM 74460D109 BBG001S5TH79 1,253,993 4,351 SH   SOLE   4,351 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 2,853,382 14,171 SH   SOLE   14,171 0 0
RIO TINTO PLC SPONSORED ADR 767204100 BBG001SB0LX9 1,277,630 19,316 SH   SOLE   19,316 0 0
S&P GLOBAL INC COM 78409V104 BBG001S5T5M8 792,510 1,764 SH   SOLE   1,764 0 0
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 BBG00PZFDF86 7,213,119 149,301 SH   SOLE   149,301 0 0
SCHWAB STRATEGIC TR HIGH YIELD BD ET 808524631 BBG01F80WYB4 217,493 4,210 SH   SOLE   4,210 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 2,335,799 65,424 SH   SOLE   65,424 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 2,605,807 53,366 SH   SOLE   53,366 0 0
SCHWAB STRATEGIC TR MUN BD ETF 808524649 BBG019GV63H2 515,406 10,001 SH   SOLE   10,001 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 10,046,784 220,195 SH   SOLE   220,195 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 202,579 2,007 SH   SOLE   2,007 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 1,537,895 20,760 SH   SOLE   20,760 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 601,286 7,726 SH   SOLE   7,726 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 212,639 4,482 SH   SOLE   4,482 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 936,515 17,997 SH   SOLE   17,997 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 900,702 9,965 SH   SOLE   9,965 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 539,786 3,704 SH   SOLE   3,704 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 2,453,453 10,710 SH   SOLE   10,710 0 0
SOUTHERN CO COM 842587107 BBG001S5W777 974,878 12,559 SH   SOLE   12,559 0 0
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 755,429 3,466 SH   SOLE   3,466 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 576,329 1,059 SH   SOLE   1,059 0 0
SPDR SER TR PORT MTG BK ETF 78464A383 BBG001T2HF72 859,714 39,673 SH   SOLE   39,673 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 BBG001T2HCY9 694,547 21,330 SH   SOLE   21,330 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664 BBG001STKCY7 2,552,665 93,565 SH   SOLE   93,565 0 0
STATE STR CORP COM 857477103 BBG001S5RLD5 1,131,415 15,286 SH   SOLE   15,286 0 0
STEEL DYNAMICS INC COM 858119100 BBG001S98JK5 218,396 1,712 SH   SOLE   1,712 0 0
STRYKER CORPORATION COM 863667101 BBG001S8FR03 856,167 2,529 SH   SOLE   2,529 0 0
SYSCO CORP COM 871829107 BBG001S5WJS8 1,744,575 24,539 SH   SOLE   24,539 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 BBG001S60L15 952,989 17,297 SH   SOLE   17,297 0 0
TOTALENERGIES SE SPONSORED ADS 89151E109 BBG001S6WYD9 1,697,837 25,187 SH   SOLE   25,187 0 0
UNILEVER PLC SPON ADR NEW 904767704 BBG001S5X1K4 1,547,958 28,070 SH   SOLE   28,070 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 734,567 1,461 SH   SOLE   1,461 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106 BBG001SR42Z0 899,824 26,520 SH   SOLE   26,520 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 BBG001T9BPT7 492,041 20,602 SH   SOLE   20,602 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 231,665 598 SH   SOLE   598 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 216,394 936 SH   SOLE   936 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 2,308,908 9,537 SH   SOLE   9,537 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 6,815,772 13,628 SH   SOLE   13,628 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 1,834,620 10,052 SH   SOLE   10,052 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 1,999,214 9,178 SH   SOLE   9,178 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 3,820,583 14,042 SH   SOLE   14,042 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 1,122,870 7,000 SH   SOLE   7,000 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 3,949,909 90,263 SH   SOLE   90,263 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 2,536,649 21,559 SH   SOLE   21,559 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 2,838,536 24,809 SH   SOLE   24,809 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 627,744 12,968 SH   SOLE   12,968 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 1,334,676 26,566 SH   SOLE   26,566 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 221,158 3,785 SH   SOLE   3,785 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 1,481,338 18,404 SH   SOLE   18,404 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 1,502,761 33,052 SH   SOLE   33,052 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 736,671 12,705 SH   SOLE   12,705 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 686,897 8,869 SH   SOLE   8,869 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 561,284 9,134 SH   SOLE   9,134 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 3,879,371 78,498 SH   SOLE   78,498 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 BBG004N1LYJ5 375,856 5,919 SH   SOLE   5,919 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 1,755,873 14,805 SH   SOLE   14,805 0 0
WALMART INC COM 931142103 BBG001S5XH92 1,151,186 16,837 SH   SOLE   16,837 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281 BBG001SRPT24 654,183 12,463 SH   SOLE   12,463 0 0