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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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
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   13,424,060 68,550 SH   SOLE   0 0 68,550
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   9,553,635 192,536 SH   SOLE   0 0 192,536
ISHARES TR 0-5YR HI YL CP 46434V407   9,171,653 215,246 SH   SOLE   0 0 215,246
SPDR SER TR S&P DIVID ETF 78464A763   8,498,789 64,336 SH   SOLE   0 0 64,336
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   6,806,540 142,337 SH   SOLE   0 0 142,337
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   5,180,852 9,615 SH   SOLE   0 0 9,615
ISHARES GOLD TR ISHARES NEW 464285204   4,656,960 94,061 SH   SOLE   0 0 94,061
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   4,197,466 66,468 SH   SOLE   0 0 66,468
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   4,154,214 75,054 SH   SOLE   0 0 75,054
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,986,122 67,805 SH   SOLE   0 0 67,805
KRANESHARES TRUST MOUNT LUCAS ETF 500767652   1,212,972 43,166 SH   SOLE   0 0 43,166
AMAZON COM INC COM 023135106   935,479 4,264 SH   SOLE   0 0 4,264
VANGUARD INDEX FDS VALUE ETF 922908744   824,173 4,868 SH   SOLE   0 0 4,868
NVIDIA CORPORATION COM 67066G104   730,672 5,441 SH   SOLE   0 0 5,441
MICROSOFT CORP COM 594918104   630,564 1,496 SH   SOLE   0 0 1,496
NEXTNAV INC COMMON STOCK 65345N106   625,403 40,193 SH   SOLE   0 0 40,193
VANGUARD INDEX FDS GROWTH ETF 922908736   620,352 1,511 SH   SOLE   0 0 1,511
APPLE INC COM 037833100   455,764 1,820 SH   SOLE   0 0 1,820
VANGUARD INDEX FDS SMALL CP ETF 922908751   391,148 1,628 SH   SOLE   0 0 1,628
CSX CORP COM 126408103   348,595 10,802 SH   SOLE   0 0 10,802
EASTERN BANKSHARES INC COM 27627N105   340,759 19,754 SH   SOLE   0 0 19,754
ISHARES TR CORE HIGH DV ETF 46429B663   304,219 2,710 SH   SOLE   0 0 2,710
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303   273,507 10,802 SH   SOLE   0 0 10,802
NEXTNAV INC *W EXP 99/99/999 65345N114   267,765 46,649 SH   SOLE   0 0 46,649
ALPHABET INC CAP STK CL A 02079K305   260,288 1,375 SH   SOLE   0 0 1,375
FISERV INC COM 337738108   257,391 1,253 SH   SOLE   0 0 1,253
PHILIP MORRIS INTL INC COM 718172109   253,096 2,103 SH   SOLE   0 0 2,103
APPLIED DIGITAL CORP COM NEW 038169207   231,278 30,272 SH   SOLE   0 0 30,272
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   216,816 3,727 SH   SOLE   0 0 3,727
SALESFORCE INC COM 79466l302   216,312 647 SH   SOLE   0 0 647
NOVAVAX INC COM NEW 670002401   88,545 11,013 SH   SOLE   0 0 11,013
ORLA MNG LTD NEW COM 68634k106   66,580 12,018 SH   SOLE   0 0 12,018