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
ALPHABET INC CAP STK CL C 02079K107   842,651 5,040 SH   SOLE   0 0 5,040
ALPHABET INC CAP STK CL A 02079K305   6,092,956 36,738 SH   SOLE   0 0 36,738
AMAZON COM INC COM 023135106   6,396,895 34,331 SH   SOLE   0 0 34,331
APPLE INC COM 037833100   10,096,952 43,335 SH   SOLE   0 0 43,335
APPLIED MATLS INC COM 038222105   2,430,257 12,028 SH   SOLE   0 0 12,028
BANK AMERICA CORP COM 060505104   1,234,088 31,101 SH   SOLE   0 0 31,101
BECTON DICKINSON & CO COM 075887109   1,398,139 5,799 SH   SOLE   0 0 5,799
CARRIER GLOBAL CORPORATION COM 14448C104   1,468,218 18,241 SH   SOLE   0 0 18,241
CHEVRON CORP NEW COM 166764100   1,670,336 11,342 SH   SOLE   0 0 11,342
CHUBB LIMITED COM H1467J104   1,439,354 4,991 SH   SOLE   0 0 4,991
COLGATE PALMOLIVE CO COM 194162103   1,240,346 11,948 SH   SOLE   0 0 11,948
CORPAY INC COM SHS 219948106   1,284,505 4,107 SH   SOLE   0 0 4,107
CVS HEALTH CORP COM 126650100   1,273,629 20,255 SH   SOLE   0 0 20,255
DANAHER CORPORATION COM 235851102   2,228,608 8,016 SH   SOLE   0 0 8,016
DISNEY WALT CO COM 254687106   1,446,935 15,042 SH   SOLE   0 0 15,042
DOMINION ENERGY INC COM 25746U109   2,676,602 46,316 SH   SOLE   0 0 46,316
ECOLAB INC COM 278865100   3,047,364 11,935 SH   SOLE   0 0 11,935
EXXON MOBIL CORP COM 30231G102   2,481,426 21,169 SH   SOLE   0 0 21,169
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   356,796 12,103 SH   SOLE   0 0 12,103
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   1,183,894 16,262 SH   SOLE   0 0 16,262
FIDELITY COVINGTON TRUST MSCI INDL INDX 316092709   1,001,740 13,880 SH   SOLE   0 0 13,880
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501   1,387,444 21,728 SH   SOLE   0 0 21,728
FIDELITY COVINGTON TRUST MSCI COMMNTN SVC 316092873   604,833 10,981 SH   SOLE   0 0 10,981
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   828,964 4,751 SH   SOLE   0 0 4,751
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402   367,844 15,276 SH   SOLE   0 0 15,276
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865   396,716 7,656 SH   SOLE   0 0 7,656
FIDELITY COVINGTON TRUST MSCI MATLS INDEX 316092881   290,791 5,365 SH   SOLE   0 0 5,365
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204   634,429 7,174 SH   SOLE   0 0 7,174
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303   711,331 13,934 SH   SOLE   0 0 13,934
FIFTH THIRD BANCORP COM 316773100   1,367,358 31,918 SH   SOLE   0 0 31,918
FIRST TR EXCHANGE-TRADED FD ULTRA SHT DUR MU 33740J104   318,803 15,849 SH   SOLE   0 0 15,849
GALLAGHER ARTHUR J & CO COM 363576109   1,859,856 6,610 SH   SOLE   0 0 6,610
GE AEROSPACE COM NEW 369604301   1,654,978 8,776 SH   SOLE   0 0 8,776
GILEAD SCIENCES INC COM 375558103   1,514,989 18,070 SH   SOLE   0 0 18,070
HILTON WORLDWIDE HLDGS INC COM 43300A203   1,418,958 6,156 SH   SOLE   0 0 6,156
HOME DEPOT INC COM 437076102   1,945,462 4,801 SH   SOLE   0 0 4,801
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   202,457 1,008 SH   SOLE   0 0 1,008
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,080,250 6,030 SH   SOLE   0 0 6,030
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   365,984 9,708 SH   SOLE   0 0 9,708
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101   5,174,755 143,226 SH   SOLE   0 0 143,226
ISHARES GOLD TR ISHARES NEW 464285204   18,088,216 363,948 SH   SOLE   0 0 363,948
ISHARES INC CORE MSCI EMKT 46434G103   648,498 11,296 SH   SOLE   0 0 11,296
ISHARES TR CORE MSCI INTL 46435G326   458,361 6,471 SH   SOLE   0 0 6,471
ISHARES TR CORE S&P TTL STK 464287150   1,179,717 9,391 SH   SOLE   0 0 9,391
ISHARES TR CORE S&P500 ETF 464287200   696,799 1,208 SH   SOLE   0 0 1,208
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853   3,777,531 145,794 SH   SOLE   0 0 145,794
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   9,312,649 183,537 SH   SOLE   0 0 183,537
JOHNSON & JOHNSON COM 478160104   2,365,104 14,594 SH   SOLE   0 0 14,594
JPMORGAN CHASE & CO. COM 46625H100   2,067,464 9,805 SH   SOLE   0 0 9,805
KELLANOVA COM 487836108   1,069,488 13,251 SH   SOLE   0 0 13,251
MASTERCARD INCORPORATED CL A 57636Q104   2,214,899 4,485 SH   SOLE   0 0 4,485
MERCK & CO INC COM 58933Y105   2,210,023 19,461 SH   SOLE   0 0 19,461
META PLATFORMS INC CL A 30303M102   3,690,905 6,448 SH   SOLE   0 0 6,448
MICRON TECHNOLOGY INC COM 595112103   1,449,555 13,977 SH   SOLE   0 0 13,977
MICROSOFT CORP COM 594918104   12,337,734 28,672 SH   SOLE   0 0 28,672
NORFOLK SOUTHN CORP COM 655844108   1,118,002 4,499 SH   SOLE   0 0 4,499
NVIDIA CORPORATION COM 67066G104   9,630,400 79,302 SH   SOLE   0 0 79,302
ORACLE CORP COM 68389X105   2,638,133 15,482 SH   SOLE   0 0 15,482
PACCAR INC COM 693718108   1,211,100 12,273 SH   SOLE   0 0 12,273
PEPSICO INC COM 713448108   2,034,040 11,961 SH   SOLE   0 0 11,961
PROCTER AND GAMBLE CO COM 742718109   1,553,780 8,971 SH   SOLE   0 0 8,971
PROLOGIS INC. COM 74340W103   2,160,146 17,106 SH   SOLE   0 0 17,106
PRUDENTIAL FINL INC COM 744320102   1,447,993 11,957 SH   SOLE   0 0 11,957
QUANTA SVCS INC COM 74762E102   1,350,321 4,529 SH   SOLE   0 0 4,529
REVVITY INC COM 714046109   1,542,965 12,078 SH   SOLE   0 0 12,078
ROCKWELL AUTOMATION INC COM 773903109   1,218,808 4,540 SH   SOLE   0 0 4,540
SCHWAB CHARLES CORP COM 808513105   1,480,325 22,841 SH   SOLE   0 0 22,841
SCHWAB STRATEGIC TR MUN BD ETF 808524649   472,035 8,986 SH   SOLE   0 0 8,986
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   309,935 7,537 SH   SOLE   0 0 7,537
SCHWAB STRATEGIC TR US TIPS ETF 808524870   6,755,341 125,962 SH   SOLE   0 0 125,962
SELECT SECTOR SPDR TR ENERGY 81369Y506   355,590 4,050 SH   SOLE   0 0 4,050
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   802,450 3,554 SH   SOLE   0 0 3,554
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   395,553 8,855 SH   SOLE   0 0 8,855
SELECT SECTOR SPDR TR INDL 81369Y704   1,075,529 7,941 SH   SOLE   0 0 7,941
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   910,168 5,909 SH   SOLE   0 0 5,909
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,127,652 24,882 SH   SOLE   0 0 24,882
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   346,679 3,597 SH   SOLE   0 0 3,597
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   591,190 7,123 SH   SOLE   0 0 7,123
SPDR SER TR PORTFOLI S&P1500 78464A805   1,255,734 17,924 SH   SOLE   0 0 17,924
SPDR SER TR PORTFOLIO S&P600 78468R853   275,199 6,047 SH   SOLE   0 0 6,047
SPDR SER TR PORTFOLIO S&P400 78464A847   1,849,278 33,820 SH   SOLE   0 0 33,820
TE CONNECTIVITY PLC ORD SHS G87052109   1,419,608 9,402 SH   SOLE   0 0 9,402
TESLA INC COM 88160R101   2,241,646 8,568 SH   SOLE   0 0 8,568
TEXAS INSTRS INC COM 882508104   2,156,671 10,440 SH   SOLE   0 0 10,440
UBER TECHNOLOGIES INC COM 90353T100   1,273,135 16,939 SH   SOLE   0 0 16,939
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   2,661,556 104,786 SH   SOLE   0 0 104,786
VANECK ETF TRUST LONG MUNI ETF 92189F536   4,243,948 231,910 SH   SOLE   0 0 231,910
VANGUARD BD INDEX FDS INTERMED TERM 921937819   3,379,358 43,121 SH   SOLE   0 0 43,121
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   3,004,786 59,761 SH   SOLE   0 0 59,761
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,845,118 80,358 SH   SOLE   0 0 80,358
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   8,631,171 182,825 SH   SOLE   0 0 182,825
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   10,272,707 194,522 SH   SOLE   0 0 194,522
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   522,867 5,923 SH   SOLE   0 0 5,923
WALMART INC COM 931142103   2,102,440 26,036 SH   SOLE   0 0 26,036