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   553,431 4,615 SH   SOLE 0 0 0 4,615
ABB LTD SPONSORED ADR 000375204   526,958 17,300 SH   SOLE 0 0 0 17,300
ABBOTT LABS COM 002824100   457,715 4,169 SH   SOLE 0 0 0 4,169
ABBVIE INC COM 00287Y109   1,635,008 10,117 SH   SOLE 0 0 0 10,117
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   429,612 1,610 SH   SOLE 0 0 0 1,610
ADOBE SYSTEMS INCORPORATED COM 00724F101   202,928 603 SH   SOLE 0 0 0 603
AFLAC INC COM 001055102   1,496,352 20,800 SH   SOLE 0 0 0 20,800
AKAMAI TECHNOLOGIES INC COM 00971T101   313,175 3,715 SH   SOLE 0 0 0 3,715
ALPHABET INC CAP STK CL A 02079K305   1,015,527 11,510 SH   SOLE 0 0 0 11,510
AMERICAN EXPRESS CO COM 025816109   277,475 1,878 SH   SOLE 0 0 0 1,878
AMERICAN TOWER CORP NEW COM 03027X100   538,548 2,542 SH   SOLE 0 0 0 2,542
AMGEN INC COM 031162100   1,448,460 5,515 SH   SOLE 0 0 0 5,515
APPLE INC COM 037833100   2,082,258 16,026 SH   SOLE 0 0 0 16,026
APPLIED MATLS INC COM 038222105   217,644 2,235 SH   SOLE 0 0 0 2,235
ARCHER DANIELS MIDLAND CO COM 039483102   1,535,275 16,535 SH   SOLE 0 0 0 16,535
AT&T INC COM 00206R102   500,071 27,163 SH   SOLE 0 0 0 27,163
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   515,554 1,669 SH   SOLE 0 0 0 1,669
BLACKROCK INC COM 09247X101   617,217 871 SH   SOLE 0 0 0 871
BRISTOL-MYERS SQUIBB CO COM 110122108   1,480,875 20,582 SH   SOLE 0 0 0 20,582
BUNGE LIMITED COM G16962105   339,218 3,400 SH   SOLE 0 0 0 3,400
CARDINAL HEALTH INC COM 14149Y108   1,226,077 15,950 SH   SOLE 0 0 0 15,950
CHEVRON CORP NEW COM 166764100   1,829,183 10,191 SH   SOLE 0 0 0 10,191
CISCO SYS INC COM 17275R102   2,812,713 59,041 SH   SOLE 0 0 0 59,041
COMCAST CORP NEW CL A 20030N101   460,520 13,169 SH   SOLE 0 0 0 13,169
COSTCO WHSL CORP NEW COM 22160K105   247,423 542 SH   SOLE 0 0 0 542
CVS HEALTH CORP COM 126650100   918,667 9,858 SH   SOLE 0 0 0 9,858
CYBERARK SOFTWARE LTD SHS M2682V108   274,469 2,117 SH   SOLE 0 0 0 2,117
DIAGEO PLC SPON ADR NEW 25243Q205   377,941 2,121 SH   SOLE 0 0 0 2,121
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   558,392 22,300 SH   SOLE 0 0 0 22,300
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   266,996 6,075 SH   SOLE 0 0 0 6,075
DISNEY WALT CO COM 254687106   579,837 6,674 SH   SOLE 0 0 0 6,674
EMERSON ELEC CO COM 291011104   1,616,498 16,828 SH   SOLE 0 0 0 16,828
ENBRIDGE INC COM 29250N105   468,301 11,977 SH   SOLE 0 0 0 11,977
EXXON MOBIL CORP COM 30231G102   2,772,832 25,139 SH   SOLE 0 0 0 25,139
FEDEX CORP COM 31428X106   420,356 2,427 SH   SOLE 0 0 0 2,427
FLEXSHARES TR MORNSTAR UPSTR 33939L407   545,201 12,542 SH   SOLE 0 0 0 12,542
FLEXSHARES TR IBOXX 3R TARGT 33939L506   329,280 14,000 SH   SOLE 0 0 0 14,000
GENERAL DYNAMICS CORP COM 369550108   616,553 2,485 SH   SOLE 0 0 0 2,485
GENERAL ELECTRIC CO COM NEW 369604301   260,754 3,112 SH   SOLE 0 0 0 3,112
GENERAL MLS INC COM 370334104   843,699 10,062 SH   SOLE 0 0 0 10,062
GENERAL MTRS CO COM 37045V100   251,291 7,470 SH   SOLE 0 0 0 7,470
GENUINE PARTS CO COM 372460105   494,851 2,852 SH   SOLE 0 0 0 2,852
GILEAD SCIENCES INC COM 375558103   439,294 5,117 SH   SOLE 0 0 0 5,117
HANESBRANDS INC COM 410345102   526,137 82,726 SH   SOLE 0 0 0 82,726
HOME DEPOT INC COM 437076102   375,242 1,188 SH   SOLE 0 0 0 1,188
HONEYWELL INTL INC COM 438516106   313,735 1,464 SH   SOLE 0 0 0 1,464
HUNTINGTON INGALLS INDS INC COM 446413106   417,761 1,811 SH   SOLE 0 0 0 1,811
ILLINOIS TOOL WKS INC COM 452308109   202,456 919 SH   SOLE 0 0 0 919
INTEL CORP COM 458140100   952,960 36,056 SH   SOLE 0 0 0 36,056
INTERNATIONAL BUSINESS MACHS COM 459200101   1,638,269 11,628 SH   SOLE 0 0 0 11,628
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805   1,074,627 41,798 SH   SOLE 0 0 0 41,798
ISHARES GOLD TR ISHARES NEW 464285204   7,106,481 205,449 SH   SOLE 0 0 0 205,449
ISHARES TR CORE US AGGBD ET 464287226   2,010,506 20,729 SH   SOLE 0 0 0 20,729
ISHARES TR INTL SEL DIV ETF 464288448   2,452,032 90,281 SH   SOLE 0 0 0 90,281
ISHARES TR SHORT TREAS BD 464288679   1,066,444 9,702 SH   SOLE 0 0 0 9,702
ISHARES TR ISHS 1-5YR INVS 464288646   4,375,192 87,820 SH   SOLE 0 0 0 87,820
ISHARES TR ISHS 5-10YR INVT 464288638   3,326,824 67,195 SH   SOLE 0 0 0 67,195
ISHARES TR CORE MSCI EAFE 46432F842   1,811,846 29,394 SH   SOLE 0 0 0 29,394
ISHARES TR CORE S&P MCP ETF 464287507   2,771,334 11,457 SH   SOLE 0 0 0 11,457
ISHARES TR CORE S&P SCP ETF 464287804   1,303,287 13,771 SH   SOLE 0 0 0 13,771
ISHARES TR CORE S&P500 ETF 464287200   1,352,419 3,520 SH   SOLE 0 0 0 3,520
ISHARES TR MSCI EAFE ETF 464287465   328,200 5,000 SH   SOLE 0 0 0 5,000
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   7,212,704 143,880 SH   SOLE 0 0 0 143,880
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   495,243 9,800 SH   SOLE 0 0 0 9,800
JOHNSON & JOHNSON COM 478160104   1,596,033 9,035 SH   SOLE 0 0 0 9,035
JPMORGAN CHASE & CO COM 46625H100   2,252,612 16,798 SH   SOLE 0 0 0 16,798
L3HARRIS TECHNOLOGIES INC COM 502431109   368,532 1,770 SH   SOLE 0 0 0 1,770
LILLY ELI & CO COM 532457108   789,849 2,159 SH   SOLE 0 0 0 2,159
LOCKHEED MARTIN CORP COM 539830109   428,598 881 SH   SOLE 0 0 0 881
LOWES COS INC COM 548661107   640,955 3,217 SH   SOLE 0 0 0 3,217
LUMEN TECHNOLOGIES INC COM 550241103   267,734 51,290 SH   SOLE 0 0 0 51,290
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100   823,741 9,921 SH   SOLE 0 0 0 9,921
MASTERCARD INCORPORATED CL A 57636Q104   657,210 1,890 SH   SOLE 0 0 0 1,890
MCDONALDS CORP COM 580135101   844,087 3,203 SH   SOLE 0 0 0 3,203
MCKESSON CORP COM 58155Q103   549,551 1,465 SH   SOLE 0 0 0 1,465
MDU RES GROUP INC COM 552690109   554,494 18,276 SH   SOLE 0 0 0 18,276
MERCK & CO INC COM 58933Y105   1,169,857 10,544 SH   SOLE 0 0 0 10,544
MICROSOFT CORP COM 594918104   2,711,645 11,307 SH   SOLE 0 0 0 11,307
MOLSON COORS BEVERAGE CO CL B 60871R209   810,925 15,740 SH   SOLE 0 0 0 15,740
NETAPP INC COM 64110D104   336,816 5,608 SH   SOLE 0 0 0 5,608
NEWELL BRANDS INC COM 651229106   671,266 51,320 SH   SOLE 0 0 0 51,320
NIKE INC CL B 654106103   257,188 2,198 SH   SOLE 0 0 0 2,198
NOVARTIS AG SPONSORED ADR 66987V109   422,937 4,662 SH   SOLE 0 0 0 4,662
NOVO-NORDISK A S ADR 670100205   431,058 3,185 SH   SOLE 0 0 0 3,185
NUCOR CORP COM 670346105   846,352 6,421 SH   SOLE 0 0 0 6,421
ORACLE CORP COM 68389X105   268,679 3,287 SH   SOLE 0 0 0 3,287
PACKAGING CORP AMER COM 695156109   207,598 1,623 SH   SOLE 0 0 0 1,623
PAYCHEX INC COM 704326107   570,289 4,935 SH   SOLE 0 0 0 4,935
PEPSICO INC COM 713448108   967,254 5,354 SH   SOLE 0 0 0 5,354
PFIZER INC COM 717081103   1,228,633 23,978 SH   SOLE 0 0 0 23,978
PNC FINL SVCS GROUP INC COM 693475105   446,496 2,827 SH   SOLE 0 0 0 2,827
PPL CORP COM 69351T106   391,110 13,385 SH   SOLE 0 0 0 13,385
PROCTER AND GAMBLE CO COM 742718109   766,287 5,056 SH   SOLE 0 0 0 5,056
PRUDENTIAL FINL INC COM 744320102   471,241 4,738 SH   SOLE 0 0 0 4,738
QUALCOMM INC COM 747525103   344,662 3,135 SH   SOLE 0 0 0 3,135
RAYTHEON TECHNOLOGIES CORP COM 75513E101   340,403 3,373 SH   SOLE 0 0 0 3,373
SCHLUMBERGER LTD COM STK 806857108   201,865 3,776 SH   SOLE 0 0 0 3,776
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   4,773,010 98,943 SH   SOLE 0 0 0 98,943
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   214,961 3,256 SH   SOLE 0 0 0 3,256
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   686,753 27,714 SH   SOLE 0 0 0 27,714
SCHWAB STRATEGIC TR US REIT ETF 808524847   705,185 36,557 SH   SOLE 0 0 0 36,557
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,255,195 14,350 SH   SOLE 0 0 0 14,350
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   417,621 3,356 SH   SOLE 0 0 0 3,356
SMUCKER J M CO COM NEW 832696405   773,285 4,880 SH   SOLE 0 0 0 4,880
SPDR GOLD TR GOLD SHS 78463V107   207,130 1,221 SH   SOLE 0 0 0 1,221
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   200,259 6,745 SH   SOLE 0 0 0 6,745
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,377,185 6,216 SH   SOLE 0 0 0 6,216
SPDR SER TR PORTFOLIO AGRGTE 78464A649   209,836 8,350 SH   SOLE 0 0 0 8,350
SPDR SER TR PORTFOLIO INTRMD 78464A375   1,227,683 38,570 SH   SOLE 0 0 0 38,570
SPROTT PHYSICAL GOLD TR UNIT 85207H104   163,743 11,613 SH   SOLE 0 0 0 11,613
STARBUCKS CORP COM 855244109   529,530 5,338 SH   SOLE 0 0 0 5,338
STRYKER CORPORATION COM 863667101   220,285 901 SH   SOLE 0 0 0 901
TARGET CORP COM 87612E106   274,979 1,845 SH   SOLE 0 0 0 1,845
THE REAL BROKERAGE INC COM NEW 75585H206   13,020 12,400 SH   SOLE 0 0 0 12,400
TRAVELERS COMPANIES INC COM 89417E109   766,834 4,090 SH   SOLE 0 0 0 4,090
TYSON FOODS INC CL A 902494103   537,902 8,641 SH   SOLE 0 0 0 8,641
UNION PAC CORP COM 907818108   437,953 2,115 SH   SOLE 0 0 0 2,115
UNITED PARCEL SERVICE INC CL B 911312106   292,573 1,683 SH   SOLE 0 0 0 1,683
US BANCORP DEL COM NEW 902973304   629,074 14,425 SH   SOLE 0 0 0 14,425
VALERO ENERGY CORP COM 91913Y100   364,215 2,871 SH   SOLE 0 0 0 2,871
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,467,547 46,062 SH   SOLE 0 0 0 46,062
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,040,480 14,000 SH   SOLE 0 0 0 14,000
VANGUARD INDEX FDS VALUE ETF 922908744   1,694,547 12,072 SH   SOLE 0 0 0 12,072
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,583,358 16,268 SH   SOLE 0 0 0 16,268
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   300,557 3,644 SH   SOLE 0 0 0 3,644
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   4,276,695 31,623 SH   SOLE 0 0 0 31,623
VANGUARD INDEX FDS TOTAL STK MKT 922908769   948,111 4,959 SH   SOLE 0 0 0 4,959
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   592,655 11,820 SH   SOLE 0 0 0 11,820
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,122,119 28,787 SH   SOLE 0 0 0 28,787
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,236,779 43,048 SH   SOLE 0 0 0 43,048
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   3,779,212 64,624 SH   SOLE 0 0 0 64,624
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,348,444 22,051 SH   SOLE 0 0 0 22,051
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   474,219 11,299 SH   SOLE 0 0 0 11,299
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   2,481,472 22,932 SH   SOLE 0 0 0 22,932
VERIZON COMMUNICATIONS INC COM 92343V104   1,225,813 31,112 SH   SOLE 0 0 0 31,112
VERTEX PHARMACEUTICALS INC COM 92532F100   240,554 833 SH   SOLE 0 0 0 833
VIATRIS INC COM 92556V106   269,847 24,245 SH   SOLE 0 0 0 24,245
VIRTU FINL INC CL A 928254101   350,032 17,150 SH   SOLE 0 0 0 17,150
WALGREENS BOOTS ALLIANCE INC COM 931427108   1,312,942 35,143 SH   SOLE 0 0 0 35,143
WALMART INC COM 931142103   213,394 1,505 SH   SOLE 0 0 0 1,505
WASTE MGMT INC DEL COM 94106L109   373,531 2,381 SH   SOLE 0 0 0 2,381
XYLEM INC COM 98419M100   567,335 5,131 SH   SOLE 0 0 0 5,131