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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   870,153 2,868 SH   SOLE   0 0 2,868
ADVANCED MICRO DEVICES INC COM 007903107   821,107 5,062 SH   SOLE   0 0 5,062
ALPHABET INC CAP STK CL C 02079K107   3,823,437 20,845 SH   SOLE   0 0 20,845
AMAZON COM INC COM 023135106   3,409,317 17,642 SH   SOLE   0 0 17,642
AMERICAN INTL GROUP INC COM NEW 026874784   813,134 10,953 SH   SOLE   0 0 10,953
AMGEN INC COM 031162100   810,495 2,594 SH   SOLE   0 0 2,594
APPLE INC COM 037833100   5,240,477 24,881 SH   SOLE   0 0 24,881
ARISTA NETWORKS INC COM 040413106   1,150,275 3,282 SH   SOLE   0 0 3,282
BLOCK H & R INC COM 093671105   1,016,813 18,750 SH   SOLE   0 0 18,750
CADENCE DESIGN SYSTEM INC COM 127387108   747,217 2,428 SH   SOLE   0 0 2,428
CAPITAL ONE FINL CORP COM 14040H105   1,018,579 7,357 SH   SOLE   0 0 7,357
CENCORA INC COM 03073E105   1,334,334 5,922 SH   SOLE   0 0 5,922
CF INDS HLDGS INC COM 125269100   857,223 11,565 SH   SOLE   0 0 11,565
CHEWY INC CL A 16679L109   642,810 23,598 SH   SOLE   0 0 23,598
COLGATE PALMOLIVE CO COM 194162103   1,377,710 14,197 SH   SOLE   0 0 14,197
COPART INC COM 217204106   729,752 13,474 SH   SOLE   0 0 13,474
CVS HEALTH CORP COM 126650100   566,443 9,591 SH   SOLE   0 0 9,591
DEVON ENERGY CORP NEW COM 25179M103   507,878 10,715 SH   SOLE   0 0 10,715
EAGLE MATLS INC COM 26969P108   568,686 2,615 SH   SOLE   0 0 2,615
EXXON MOBIL CORP COM 30231G102   1,373,771 11,933 SH   SOLE   0 0 11,933
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   1,970,635 11,489 SH   SOLE   0 0 11,489
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   2,624,630 38,260 SH   SOLE   0 0 38,260
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865   817,749 18,602 SH   SOLE   0 0 18,602
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501   3,034,862 52,379 SH   SOLE   0 0 52,379
FIDELITY COVINGTON TRUST MSCI INDL INDX 316092709   2,118,963 32,415 SH   SOLE   0 0 32,415
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402   862,028 34,357 SH   SOLE   0 0 34,357
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303   1,534,236 32,366 SH   SOLE   0 0 32,366
FIDELITY COVINGTON TRUST MSCI MATLS INDEX 316092881   611,301 12,367 SH   SOLE   0 0 12,367
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   765,927 30,226 SH   SOLE   0 0 30,226
FIDELITY COVINGTON TRUST MSCI COMMNTN SVC 316092873   1,303,400 24,955 SH   SOLE   0 0 24,955
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204   1,335,219 16,482 SH   SOLE   0 0 16,482
FIFTH THIRD BANCORP COM 316773100   1,451,659 39,782 SH   SOLE   0 0 39,782
FIRST TR EXCHANGE-TRADED FD ULTRA SHT DUR MU 33740J104   321,221 16,013 SH   SOLE   0 0 16,013
GARTNER INC COM 366651107   690,654 1,538 SH   SOLE   0 0 1,538
ILLINOIS TOOL WKS INC COM 452308109   763,011 3,220 SH   SOLE   0 0 3,220
INTERACTIVE BROKERS GROUP IN COM CL A 45841N107   1,363,532 11,122 SH   SOLE   0 0 11,122
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   440,285 12,010 SH   SOLE   0 0 12,010
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,208,572 7,357 SH   SOLE   0 0 7,357
ISHARES GOLD TR ISHARES NEW 464285204   4,953,898 112,768 SH   SOLE   0 0 112,768
ISHARES INC CORE MSCI EMKT 46434G103   728,681 13,613 SH   SOLE   0 0 13,613
ISHARES TR CORE S&P500 ETF 464287200   670,483 1,225 SH   SOLE   0 0 1,225
ISHARES TR CORE S&P SCP ETF 464287804   7,138,389 66,927 SH   SOLE   0 0 66,927
ISHARES TR CORE S&P MCP ETF 464287507   5,268,525 90,029 SH   SOLE   0 0 90,029
ISHARES TR CORE S&P TTL STK 464287150   1,375,635 11,581 SH   SOLE   0 0 11,581
ISHARES TR CORE MSCI INTL 46435G326   517,422 7,883 SH   SOLE   0 0 7,883
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853   4,620,438 169,185 SH   SOLE   0 0 169,185
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   8,310,286 164,658 SH   SOLE   0 0 164,658
JPMORGAN CHASE & CO. COM 46625H100   603,563 2,984 SH   SOLE   0 0 2,984
KIMBERLY-CLARK CORP COM 494368103   1,176,358 8,512 SH   SOLE   0 0 8,512
KNIGHT-SWIFT TRANSN HLDGS IN CL A 499049104   957,294 19,177 SH   SOLE   0 0 19,177
MERCK & CO INC COM 58933Y105   694,884 5,613 SH   SOLE   0 0 5,613
META PLATFORMS INC CL A 30303M102   1,079,209 2,140 SH   SOLE   0 0 2,140
MICROSOFT CORP COM 594918104   6,607,061 14,783 SH   SOLE   0 0 14,783
NEXTERA ENERGY INC COM 65339F101   1,240,392 17,517 SH   SOLE   0 0 17,517
NVIDIA CORPORATION COM 67066G104   5,617,986 45,475 SH   SOLE   0 0 45,475
PENUMBRA INC COM 70975L107   711,601 3,954 SH   SOLE   0 0 3,954
PEPSICO INC COM 713448108   1,115,541 6,764 SH   SOLE   0 0 6,764
REGENCY CTRS CORP COM 758849103   854,877 13,744 SH   SOLE   0 0 13,744
RYDER SYS INC COM 783549108   1,071,432 8,649 SH   SOLE   0 0 8,649
SCHWAB STRATEGIC TR US TIPS ETF 808524870   5,958,594 114,566 SH   SOLE   0 0 114,566
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   10,052,445 211,853 SH   SOLE   0 0 211,853
SCHWAB STRATEGIC TR MUN BD ETF 808524649   468,151 9,108 SH   SOLE   0 0 9,108
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   18,492,433 481,323 SH   SOLE   0 0 481,323
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   2,466,230 59,991 SH   SOLE   0 0 59,991
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,931,838 13,254 SH   SOLE   0 0 13,254
SELECT SECTOR SPDR TR ENERGY 81369Y506   781,338 8,572 SH   SOLE   0 0 8,572
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   680,252 7,703 SH   SOLE   0 0 7,703
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,286,254 16,796 SH   SOLE   0 0 16,796
SELECT SECTOR SPDR TR INDL 81369Y704   2,180,986 17,896 SH   SOLE   0 0 17,896
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,978,878 8,747 SH   SOLE   0 0 8,747
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   845,635 22,016 SH   SOLE   0 0 22,016
SPDR SER TR PORTFOLIO S&P600 78468R853   249,138 5,999 SH   SOLE   0 0 5,999
SPDR SER TR PORTFOLIO S&P400 78464A847   3,847,551 75,001 SH   SOLE   0 0 75,001
SPDR SER TR PORTFOLI S&P1500 78464A805   1,475,963 22,245 SH   SOLE   0 0 22,245
T-MOBILE US INC COM 872590104   959,521 5,446 SH   SOLE   0 0 5,446
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   2,243,320 94,336 SH   SOLE   0 0 94,336
VANECK ETF TRUST LONG MUNI ETF 92189F536   3,785,066 211,930 SH   SOLE   0 0 211,930
VANGUARD BD INDEX FDS INTERMED TERM 921937819   2,977,189 39,754 SH   SOLE   0 0 39,754
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   2,639,793 54,239 SH   SOLE   0 0 54,239
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   11,466,976 262,042 SH   SOLE   0 0 262,042
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   3,493,157 14,196 SH   SOLE   0 0 14,196
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   7,609,290 167,606 SH   SOLE   0 0 167,606
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   4,598,146 67,097 SH   SOLE   0 0 67,097
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   593,881 7,307 SH   SOLE   0 0 7,307
VONTIER CORPORATION COM 928881101   477,347 12,496 SH   SOLE   0 0 12,496
WARNER MUSIC GROUP CORP COM CL A 934550203   810,952 26,458 SH   SOLE   0 0 26,458
WELLS FARGO CO NEW COM 949746101   1,121,826 18,889 SH   SOLE   0 0 18,889
ZOETIS INC CL A 98978V103   596,878 3,443 SH   SOLE   0 0 3,443