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
ABBVIE INC COM 00287Y109   332,564 2,435 SH   SOLE 0 0 0 2,435
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   966,377 51,050 SH   SOLE 0 0 0 51,050
ALPHABET INC CAP STK CL C 02079K107   200,761 1,618 SH   SOLE 0 0 0 1,618
ALTRIA GROUP INC COM 02209S103   980,532 21,602 SH   SOLE 0 0 0 21,602
AMAZON COM INC COM 023135106   393,044 2,959 SH   SOLE 0 0 0 2,959
AMGEN INC COM 031162100   255,827 1,100 SH   SOLE 0 0 0 1,100
APPLE INC COM 037833100   497,193 2,566 SH   SOLE 0 0 0 2,566
ARCHER DANIELS MIDLAND CO COM 039483102   502,216 6,219 SH   SOLE 0 0 0 6,219
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   263,149 762 SH   SOLE 0 0 0 762
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   252,225 7,622 SH   SOLE 0 0 0 7,622
COLGATE PALMOLIVE CO COM 194162103   795,249 10,486 SH   SOLE 0 0 0 10,486
COSTCO WHSL CORP NEW COM 22160K105   288,901 522 SH   SOLE 0 0 0 522
CVS HEALTH CORP COM 126650100   201,699 2,789 SH   SOLE 0 0 0 2,789
ETF MANAGERS TR PRIME CYBR SCRTY 26924G201   1,301,438 25,241 SH   SOLE 0 0 0 25,241
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707   1,349,403 22,471 SH   SOLE 0 0 0 22,471
EXXON MOBIL CORP COM 30231G102   694,045 6,877 SH   SOLE 0 0 0 6,877
FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192   458,236 5,692 SH   SOLE 0 0 0 5,692
FLEXSHARES TR IBOXX 3R TARGT 33939L506   3,346,754 142,719 SH   SOLE 0 0 0 142,719
GLOBAL MED REIT INC COM NEW 37954A204   105,607 10,732 SH   SOLE 0 0 0 10,732
GRANITESHARES GOLD TR SHS BEN INT 38748G101   5,785,792 295,495 SH   SOLE 0 0 0 295,495
HORIZON TECHNOLOGY FIN CORP COM 44045A102   505,997 39,874 SH   SOLE 0 0 0 39,874
INTEL CORP COM 458140100   387,937 11,245 SH   SOLE 0 0 0 11,245
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887   521,970 10,479 SH   SOLE 0 0 0 10,479
INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619   442,941 8,893 SH   SOLE 0 0 0 8,893
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   3,062,319 151,525 SH   SOLE 0 0 0 151,525
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   305,998 16,088 SH   SOLE 0 0 0 16,088
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   1,655,081 78,033 SH   SOLE 0 0 0 78,033
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   1,607,403 77,878 SH   SOLE 0 0 0 77,878
INVESCO QQQ TR UNIT SER 1 46090E103   1,096,271 2,842 SH   SOLE 0 0 0 2,842
ISHARES GOLD TR ISHARES NEW 464285204   1,318,942 35,209 SH   SOLE 0 0 0 35,209
ISHARES INC CORE MSCI EMKT 46434G103   355,923 7,009 SH   SOLE 0 0 0 7,009
ISHARES TR CORE MSCI EAFE 46432F842   465,429 6,709 SH   SOLE 0 0 0 6,709
ISHARES TR MSCI USA MIN VOL 46429B697   5,422,355 72,715 SH   SOLE 0 0 0 72,715
ISHARES TR FLTG RATE NT ETF 46429B655   3,302,410 65,136 SH   SOLE 0 0 0 65,136
ISHARES TR PFD AND INCM SEC 464288687   330,622 10,738 SH   SOLE 0 0 0 10,738
ISHARES TR 3 7 YR TREAS BD 464288661   4,025,486 34,765 SH   SOLE 0 0 0 34,765
ISHARES TR CORE S&P MCP ETF 464287507   10,727,356 39,576 SH   SOLE 0 0 0 39,576
ISHARES TR CORE S&P SCP ETF 464287804   4,342,160 41,901 SH   SOLE 0 0 0 41,901
ISHARES TR CORE S&P500 ETF 464287200   27,223,745 59,620 SH   SOLE 0 0 0 59,620
ISHARES TR 1 3 YR TREAS BD 464287457   502,992 6,194 SH   SOLE 0 0 0 6,194
ISHARES TR 7-10 YR TRSY BD 464287440   2,180,527 22,526 SH   SOLE 0 0 0 22,526
ISHARES TR CORE TOTAL USD 46434V613   505,372 11,105 SH   SOLE 0 0 0 11,105
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   485,389 9,764 SH   SOLE 0 0 0 9,764
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   304,777 6,082 SH   SOLE 0 0 0 6,082
JOHNSON & JOHNSON COM 478160104   272,282 1,712 SH   SOLE 0 0 0 1,712
KRAFT HEINZ CO COM 500754106   355,055 9,999 SH   SOLE 0 0 0 9,999
MCDONALDS CORP COM 580135101   769,605 2,619 SH   SOLE 0 0 0 2,619
MERCK & CO INC COM 58933Y105   412,188 3,890 SH   SOLE 0 0 0 3,890
MICROSOFT CORP COM 594918104   811,052 2,256 SH   SOLE 0 0 0 2,256
NVIDIA CORPORATION COM 67066G104   739,793 1,558 SH   SOLE 0 0 0 1,558
OREILLY AUTOMOTIVE INC COM 67103H107   876,756 911 SH   SOLE 0 0 0 911
PEPSICO INC COM 713448108   639,406 3,467 SH   SOLE 0 0 0 3,467
PFIZER INC COM 717081103   220,176 6,076 SH   SOLE 0 0 0 6,076
PHILIP MORRIS INTL INC COM 718172109   508,015 5,165 SH   SOLE 0 0 0 5,165
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   4,279,774 42,957 SH   SOLE 0 0 0 42,957
PIONEER NAT RES CO COM 723787107   208,964 990 SH   SOLE 0 0 0 990
PROCTER AND GAMBLE CO COM 742718109   338,305 2,266 SH   SOLE 0 0 0 2,266
REPUBLIC SVCS INC COM 760759100   250,179 1,678 SH   SOLE 0 0 0 1,678
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   630,595 17,239 SH   SOLE 0 0 0 17,239
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   5,746,983 106,801 SH   SOLE 0 0 0 106,801
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   515,695 11,279 SH   SOLE 0 0 0 11,279
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   533,388 7,853 SH   SOLE 0 0 0 7,853
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   4,098,242 88,745 SH   SOLE 0 0 0 88,745
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   226,310 8,963 SH   SOLE 0 0 0 8,963
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,609,044 21,946 SH   SOLE 0 0 0 21,946
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   3,924,124 81,583 SH   SOLE 0 0 0 81,583
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   259,424 5,247 SH   SOLE 0 0 0 5,247
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   495,827 6,720 SH   SOLE 0 0 0 6,720
SELECT SECTOR SPDR TR ENERGY 81369Y506   426,469 5,194 SH   SOLE 0 0 0 5,194
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   427,071 5,773 SH   SOLE 0 0 0 5,773
SHELL PLC SPON ADS 780259305   703,426 11,524 SH   SOLE 0 0 0 11,524
SPDR GOLD TR GOLD SHS 78463V107   293,273 1,597 SH   SOLE 0 0 0 1,597
SPDR SER TR PORTFOLIO S&P400 78464A847   297,108 6,244 SH   SOLE 0 0 0 6,244
SPDR SER TR PORTFOLIO S&P500 78464A854   655,463 12,277 SH   SOLE 0 0 0 12,277
SPDR SER TR AEROSPACE DEF 78464A631   309,075 2,522 SH   SOLE 0 0 0 2,522
SPDR SER TR BLOOMBERG SHT TE 78468R408   312,102 12,590 SH   SOLE 0 0 0 12,590
TESLA INC COM 88160R101   718,096 2,448 SH   SOLE 0 0 0 2,448
VANGUARD INDEX FDS LARGE CAP ETF 922908637   484,068 2,326 SH   SOLE 0 0 0 2,326
VANGUARD INDEX FDS MID CAP ETF 922908629   809,890 3,559 SH   SOLE 0 0 0 3,559
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   286,878 3,371 SH   SOLE 0 0 0 3,371
VANGUARD INDEX FDS SMALL CP ETF 922908751   207,272 1,003 SH   SOLE 0 0 0 1,003
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,328,763 5,864 SH   SOLE 0 0 0 5,864
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   406,339 9,749 SH   SOLE 0 0 0 9,749
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   340,217 5,777 SH   SOLE 0 0 0 5,777
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   422,230 2,571 SH   SOLE 0 0 0 2,571
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   10,269,621 216,112 SH   SOLE 0 0 0 216,112
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   543,243 5,058 SH   SOLE 0 0 0 5,058
VERIZON COMMUNICATIONS INC COM 92343V104   251,894 7,806 SH   SOLE 0 0 0 7,806
WALMART INC COM 931142103   249,094 1,612 SH   SOLE 0 0 0 1,612
WASTE MGMT INC DEL COM 94106L109   252,004 1,513 SH   SOLE 0 0 0 1,513
WILLIAMS COS INC COM 969457100   924,682 27,735 SH   SOLE 0 0 0 27,735
WISDOMTREE TR EM EX ST-OWNED 97717X578   2,288,193 78,795 SH   SOLE 0 0 0 78,795
YUM BRANDS INC COM 988498101   625,248 4,672 SH   SOLE 0 0 0 4,672