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
ABBOTT LABS COM 002824100   1,289,933 11,832 SH   SOLE   0 0 11,832
ABBVIE INC COM 00287Y109   982,514 7,292 SH   SOLE   0 0 7,292
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   514,094 1,666 SH   SOLE   0 0 1,666
ADVANCED DRAIN SYS INC DEL COM 00790R104   291,655 2,563 SH   SOLE   0 0 2,563
AFLAC INC COM 001055102   316,683 4,537 SH   SOLE   0 0 4,537
AGILON HEALTH INC COM 00857U107   232,703 13,420 SH   SOLE   0 0 13,420
AIR PRODS & CHEMS INC COM 009158106   392,684 1,311 SH   SOLE   0 0 1,311
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   520,604 6,246 SH   SOLE   0 0 6,246
ALMADEN MINERALS LTD COM CL B 020283305   3,996 31,000 SH   SOLE   0 0 31,000
ALPHABET INC CAP STK CL A 02079K305   228,507 1,909 SH   SOLE   0 0 1,909
AMAZON COM INC COM 023135106   1,128,135 8,654 SH   SOLE   0 0 8,654
AMBEV SA SPONSORED ADR 02319V103   38,208 12,015 SH   SOLE   0 0 12,015
AMERICAN EXPRESS CO COM 025816109   521,729 2,995 SH   SOLE   0 0 2,995
AMERIPRISE FINL INC COM 03076C106   234,796 707 SH   SOLE   0 0 707
AMGEN INC COM 031162100   370,773 1,670 SH   SOLE   0 0 1,670
APPLE INC COM 037833100   5,168,841 26,648 SH   SOLE   0 0 26,648
BANCO BRADESCO S A SP ADR PFD NEW 059460303   42,956 12,415 SH   SOLE   0 0 12,415
BANK AMERICA CORP COM 060505104   297,372 10,365 SH   SOLE   0 0 10,365
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,488,124 4,364 SH   SOLE   0 0 4,364
BROADCOM INC COM 11135F101   982,798 1,133 SH   SOLE   0 0 1,133
CATERPILLAR INC COM 149123101   303,872 1,235 SH   SOLE   0 0 1,235
CHEVRON CORP NEW COM 166764100   1,447,241 9,198 SH   SOLE   0 0 9,198
CHURCHILL DOWNS INC COM 171484108   248,558 1,786 SH   SOLE   0 0 1,786
CISCO SYS INC COM 17275R102   746,444 14,427 SH   SOLE   0 0 14,427
COCA COLA CO COM 191216100   832,421 13,823 SH   SOLE   0 0 13,823
COMCAST CORP NEW CL A 20030N101   421,275 10,139 SH   SOLE   0 0 10,139
CONOCOPHILLIPS COM 20825C104   620,312 5,987 SH   SOLE   0 0 5,987
COSTCO WHSL CORP NEW COM 22160K105   247,116 459 SH   SOLE   0 0 459
CVS HEALTH CORP COM 126650100   236,909 3,427 SH   SOLE   0 0 3,427
DANAHER CORPORATION COM 235851102   275,416 1,148 SH   SOLE   0 0 1,148
DISNEY WALT CO COM 254687106   239,985 2,688 SH   SOLE   0 0 2,688
ECOLAB INC COM 278865100   224,588 1,203 SH   SOLE   0 0 1,203
ELEVANCE HEALTH INC COM 036752103   328,775 740 SH   SOLE   0 0 740
EMERSON ELEC CO COM 291011104   494,614 5,472 SH   SOLE   0 0 5,472
EOG RES INC COM 26875P101   261,038 2,281 SH   SOLE   0 0 2,281
EQUINOX GOLD CORP COM 29446Y502   82,747 18,067 SH   SOLE   0 0 18,067
EXXON MOBIL CORP COM 30231G102   2,123,014 19,795 SH   SOLE   0 0 19,795
FORD MTR CO DEL COM 345370860   209,853 13,870 SH   SOLE   0 0 13,870
FRANCO NEV CORP COM 351858105   553,145 3,879 SH   SOLE   0 0 3,879
GENERAL MLS INC COM 370334104   348,105 4,539 SH   SOLE   0 0 4,539
GILEAD SCIENCES INC COM 375558103   308,280 4,000 SH   SOLE   0 0 4,000
GOLDMAN SACHS GROUP INC COM 38141G104   224,810 697 SH   SOLE   0 0 697
HOME DEPOT INC COM 437076102   741,498 2,387 SH   SOLE   0 0 2,387
HONEYWELL INTL INC COM 438516106   394,043 1,899 SH   SOLE   0 0 1,899
HUNTINGTON BANCSHARES INC COM 446150104   228,952 21,239 SH   SOLE   0 0 21,239
ICICI BANK LIMITED ADR 45104G104   232,669 10,081 SH   SOLE   0 0 10,081
ILLINOIS TOOL WKS INC COM 452308109   495,817 1,982 SH   SOLE   0 0 1,982
INTERNATIONAL BUSINESS MACHS COM 459200101   276,050 2,063 SH   SOLE   0 0 2,063
ISHARES GOLD TR ISHARES NEW 464285204   1,037,224 28,503 SH   SOLE   0 0 28,503
ISHARES INC CORE MSCI EMKT 46434G103   113,885,298 2,310,515 SH   SOLE   0 0 2,310,515
ISHARES TR MSCI EMG MKT ETF 464287234   37,606 21,700 SH Put SOLE   0 0 21,700
ISHARES TR CORE S&P TTL STK 464287150   1,647,136 16,835 SH   SOLE   0 0 16,835
ISHARES TR RUS 1000 VAL ETF 464287598   421,406 2,670 SH   SOLE   0 0 2,670
ISHARES TR JPMORGAN USD EMG 464288281   100,667,869 1,163,252 SH   SOLE   0 0 1,163,252
ISHARES TR S&P MC 400VL ETF 464287705   1,333,406 12,447 SH   SOLE   0 0 12,447
ISHARES TR RUS 1000 ETF 464287622   8,092,168 33,200 SH   SOLE   0 0 33,200
ISHARES TR CORE S&P MCP ETF 464287507   664,252 2,540 SH   SOLE   0 0 2,540
ISHARES TR CORE S&P500 ETF 464287200   899,978 2,019 SH   SOLE   0 0 2,019
ITAU UNIBANCO HLDG S A SPON ADR REP PFD 465562106   122,803 20,814 SH   SOLE   0 0 20,814
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   59,965,393 1,354,232 SH   SOLE   0 0 1,354,232
JOHNSON & JOHNSON COM 478160104   712,905 4,307 SH   SOLE   0 0 4,307
JPMORGAN CHASE & CO COM 46625H100   705,529 4,851 SH   SOLE   0 0 4,851
KIMBERLY-CLARK CORP COM 494368103   236,911 1,716 SH   SOLE   0 0 1,716
LANCASTER COLONY CORP COM 513847103   2,426,754 12,068 SH   SOLE   0 0 12,068
LEGG MASON ETF INVT CLEARBRIDGE DI 524682309   810,911 19,163 SH   SOLE   0 0 19,163
LILLY ELI & CO COM 532457108   614,074 1,309 SH   SOLE   0 0 1,309
LOCKHEED MARTIN CORP COM 539830109   233,413 507 SH   SOLE   0 0 507
LOWES COS INC COM 548661107   539,400 2,390 SH   SOLE   0 0 2,390
LULULEMON ATHLETICA INC COM 550021109   201,741 533 SH   SOLE   0 0 533
MARATHON PETE CORP COM 56585A102   390,260 3,347 SH   SOLE   0 0 3,347
MASTERCARD INCORPORATED CL A 57636Q104   1,055,562 2,684 SH   SOLE   0 0 2,684
MCDONALDS CORP COM 580135101   777,955 2,607 SH   SOLE   0 0 2,607
MCKESSON CORP COM 58155Q103   244,909 573 SH   SOLE   0 0 573
MERCK & CO INC COM 58933Y105   820,324 7,109 SH   SOLE   0 0 7,109
META PLATFORMS INC CL A 30303M102   742,417 2,587 SH   SOLE   0 0 2,587
MICROSOFT CORP COM 594918104   4,261,537 12,514 SH   SOLE   0 0 12,514
MONDELEZ INTL INC CL A 609207105   225,093 3,086 SH   SOLE   0 0 3,086
MORGAN STANLEY COM NEW 617446448   830,192 9,721 SH   SOLE   0 0 9,721
NEXTERA ENERGY INC COM 65339F101   253,616 3,418 SH   SOLE   0 0 3,418
NORFOLK SOUTHN CORP COM 655844108   259,698 1,145 SH   SOLE   0 0 1,145
NVIDIA CORPORATION COM 67066G104   928,253 2,194 SH   SOLE   0 0 2,194
ORACLE CORP COM 68389X105   823,984 6,919 SH   SOLE   0 0 6,919
PACCAR INC COM 693718108   356,182 4,258 SH   SOLE   0 0 4,258
PDF SOLUTIONS INC COM 693282105   225,906 5,009 SH   SOLE   0 0 5,009
PEPSICO INC COM 713448108   766,626 4,139 SH   SOLE   0 0 4,139
PHILIP MORRIS INTL INC COM 718172109   249,907 2,560 SH   SOLE   0 0 2,560
PHILLIPS 66 COM 718546104   242,361 2,541 SH   SOLE   0 0 2,541
PIONEER NAT RES CO COM 723787107   222,926 1,076 SH   SOLE   0 0 1,076
PROCTER AND GAMBLE CO COM 742718109   902,398 5,947 SH   SOLE   0 0 5,947
QUALCOMM INC COM 747525103   273,673 2,299 SH   SOLE   0 0 2,299
RAYTHEON TECHNOLOGIES CORP COM 75513E101   394,282 4,025 SH   SOLE   0 0 4,025
SALESFORCE INC COM 79466L302   241,259 1,142 SH   SOLE   0 0 1,142
SCHLUMBERGER LTD COM STK 806857108   341,089 6,944 SH   SOLE   0 0 6,944
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   11,335,940 460,249 SH   SOLE   0 0 460,249
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   79,040,596 1,644,623 SH   SOLE   0 0 1,644,623
SELECT SECTOR SPDR TR ENERGY 81369Y506   121,286 21,800 SH Put SOLE   0 0 21,800
SELECT SECTOR SPDR TR ENERGY 81369Y506   253,612,642 3,124,463 SH   SOLE   0 0 3,124,463
SIRIUS XM HOLDINGS INC COM 82968B103   59,194 13,067 SH   SOLE   0 0 13,067
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   750,859 21,840 SH   SOLE   0 0 21,840
SPDR SER TR PORTFOLIO SHORT 78464A474   5,233,254 177,760 SH   SOLE   0 0 177,760
SPDR SER TR PRTFLO S&P500 VL 78464A508   157,679,372 3,649,985 SH   SOLE   0 0 3,649,985
SPDR SER TR PRTFLO S&P500 VL 78464A508   12,559 20,900 SH Put SOLE   0 0 20,900
SPDR SER TR S&P 600 SMCP VAL 78464A300   933,147 12,089 SH   SOLE   0 0 12,089
STRYKER CORPORATION COM 863667101   311,264 1,020 SH   SOLE   0 0 1,020
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   1,141,102 11,307 SH   SOLE   0 0 11,307
TESLA INC COM 88160R101   353,913 1,352 SH   SOLE   0 0 1,352
TEXAS INSTRS INC COM 882508104   432,875 2,405 SH   SOLE   0 0 2,405
THE CIGNA GROUP COM 125523100   296,875 1,058 SH   SOLE   0 0 1,058
THERATECHNOLOGIES INC COM 88338H100   148,303 176,291 SH   SOLE   0 0 176,291
TJX COS INC NEW COM 872540109   275,398 3,248 SH   SOLE   0 0 3,248
UNION PAC CORP COM 907818108   335,168 1,638 SH   SOLE   0 0 1,638
UNITED MICROELECTRONICS CORP SPON ADR NEW 910873405   83,161 10,540 SH   SOLE   0 0 10,540
UNITED PARCEL SERVICE INC CL B 911312106   333,226 1,859 SH   SOLE   0 0 1,859
UNITEDHEALTH GROUP INC COM 91324P102   226,381 471 SH   SOLE   0 0 471
VALERO ENERGY CORP COM 91913Y100   257,053 2,191 SH   SOLE   0 0 2,191
VANECK ETF TRUST IG FLOATING RATE 92189F486   933,738 36,980 SH   SOLE   0 0 36,980
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   1,802,294 11,575 SH   SOLE   0 0 11,575
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   83,755,590 1,107,000 SH   SOLE   0 0 1,107,000
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   4,827,156 104,961 SH   SOLE   0 0 104,961
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   216,902 1,335 SH   SOLE   0 0 1,335
VISA INC COM CL A 92826C839   621,723 2,618 SH   SOLE   0 0 2,618
WALMART INC COM 931142103   682,476 4,342 SH   SOLE   0 0 4,342
WASTE MGMT INC DEL COM 94106L109   220,070 1,269 SH   SOLE   0 0 1,269
WELLS FARGO CO NEW COM 949746101   354,585 8,308 SH   SOLE   0 0 8,308
WISDOMTREE TR JAPN HEDGE EQT 97717W851   2,003,920 24,071 SH   SOLE   0 0 24,071
WISDOMTREE TR US QTLY DIV GRT 97717X669   485,491,900 7,283,107 SH   SOLE   0 0 7,283,107