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 COM 88579Y101   5,908,156 45,768 SH   SOLE   45,609 0 158
ABBOTT LABS COM COM 002824100   4,193,553 37,075 SH   SOLE   36,892 0 182
ABBVIE INC COM COM 00287Y109   4,618,397 25,990 SH   SOLE   25,880 0 109
ABRDN PHYSICAL GOLD SHARES ETF PHYSCL GOLD SHS 00326A104   4,583,749 182,984 SH   SOLE   182,984 0 0
AFFIRM HLDGS INC COM CL A COM CL A 00827B106   231,785 3,806 SH   SOLE   3,806 0 0
ALPHABET INC CAP STK CL C COM CL C 02079K107   2,062,656 10,831 SH   SOLE   10,803 0 28
AMAZON COM INC COM COM 023135106   3,649,333 16,634 SH   SOLE   16,609 0 25
AMERICAN HEALTHCARE REIT INC COM SHS COM SHS 398182303   278,652 9,805 SH   SOLE   9,804 0 0
AMGEN INC COM COM 031162100   3,838,550 14,727 SH   SOLE   14,662 0 65
ANALOG DEVICES INC COM COM 032654105   3,063,294 14,418 SH   SOLE   14,359 0 59
APOLLO GLOBAL MGMT INC COM COM 03769M106   357,571 2,165 SH   SOLE   2,165 0 0
APPLE INC COM COM 037833100   7,402,616 29,561 SH   SOLE   29,560 0 0
APPLOVIN CORP COM CL A COM CL A 03831W108   346,498 1,070 SH   SOLE   1,070 0 0
ARISTA NETWORKS INC COM SHS COM SHS 040413205   275,220 2,490 SH   SOLE   2,490 0 0
ASTRAZENECA PLC SPONSORED ADR SPONSORED ADR 046353108   4,155,916 63,430 SH   SOLE   63,154 0 275
AUTOMATIC DATA PROCESSING INC COM COM 053015103   4,841,144 16,538 SH   SOLE   16,464 0 73
AXON ENTERPRISE INC COM COM 05464C101   1,002,024 1,686 SH   SOLE   1,686 0 0
BANK NEW YORK MELLON CORP COM COM 064058100   4,451,607 57,941 SH   SOLE   57,697 0 244
BERKSHIRE HATHAWAY INC DEL CL B NEW CL B NEW 084670702   4,181,508 9,225 SH   SOLE   9,186 0 39
BLACKSTONE INC COM COM 09260D107   1,113,316 6,457 SH   SOLE   6,457 0 0
BROADCOM INC COM COM 11135F101   7,352,568 31,714 SH   SOLE   31,600 0 113
CARNIVAL CORP PAIRED CTF UNIT 99/99/9999 143658300   1,185,868 47,587 SH   SOLE   47,587 0 0
CARVANA CO CL A CL A 146869102   237,118 1,166 SH   SOLE   1,166 0 0
CAVA GROUP INC COM COM 148929102   221,990 1,968 SH   SOLE   1,968 0 0
CBRE GROUP INC CL A CL A 12504L109   882,138 6,719 SH   SOLE   6,719 0 0
CHENIERE ENERGY INC COM NEW COM NEW 16411R208   2,957,660 13,765 SH   SOLE   13,717 0 47
CHEVRON CORP NEW COM COM 166764100   4,213,544 29,091 SH   SOLE   28,952 0 139
CION INVT CORP COM COM 17259U204   5,967,497 523,465 SH   SOLE   512,012 0 11,452
CITIGROUP INC COM NEW COM NEW 172967424   5,065,656 71,966 SH   SOLE   71,632 0 333
CONOCOPHILLIPS COM COM 20825C104   3,897,445 39,301 SH   SOLE   39,112 0 188
CONSTELLATION ENERGY CORP COM COM 21037T109   1,040,028 4,649 SH   SOLE   4,649 0 0
DIMENSIONAL U.S. SMALL CAP ETF US SMALL CAP ETF 25434V500   5,223,276 80,259 SH   SOLE   80,259 0 0
DOORDASH INC CL A CL A 25809K105   313,860 1,871 SH   SOLE   1,871 0 0
EDISON INTL COM COM 281020107   4,830,188 60,498 SH   SOLE   60,246 0 252
ELEVANCE HEALTH INC COM COM 036752103   2,375,949 6,441 SH   SOLE   6,416 0 24
EXXON MOBIL CORP COM COM 30231G102   4,799,962 44,622 SH   SOLE   44,445 0 176
FAIR ISAAC CORP COM COM 303250104   750,581 377 SH   SOLE   377 0 0
FISERV INC COM COM 337738108   243,628 1,186 SH   SOLE   1,186 0 0
FS KKR CAP CORP COM COM 302635206   676,932 31,166 SH   SOLE   31,166 0 0
GENERAL DYNAMICS CORP COM COM 369550108   2,193,027 8,323 SH   SOLE   8,295 0 28
GENUINE PARTS CO COM COM 372460105   3,682,678 31,541 SH   SOLE   31,383 0 157
HOWMET AEROSPACE INC COM COM 443201108   900,990 8,238 SH   SOLE   8,238 0 0
INTERNATIONAL PAPER CO COM COM 460146103   5,817,992 108,101 SH   SOLE   107,650 0 450
INTUIT COM COM 461202103   2,527,827 4,022 SH   SOLE   4,006 0 16
INVESCO QQQ TRUST SERIES I UNIT SER 1 46090E103   4,034,145 7,891 SH   SOLE   7,891 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF S&P500 EQL WGT 46137V357   303,323 1,731 SH   SOLE   1,731 0 0
INVESCO S&P GLOBAL WATER INDEX ETF S&P GBL WATER 46138E263   229,537 4,235 SH   SOLE   4,235 0 0
IQVIA HLDGS INC COM COM 46266C105   2,476,419 12,602 SH   SOLE   12,556 0 46
IRON MTN INC DEL COM COM 46284V101   753,113 7,165 SH   SOLE   7,165 0 0
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ISHS 1-5YR INVS 464288646   4,715,401 91,207 SH   SOLE   91,022 0 184
ISHARES GOLD TRUST ISHARES NEW 464285204   834,392 16,853 SH   SOLE   16,853 0 0
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF IBOXX HI YD ETF 464288513   8,755,318 111,320 SH   SOLE   111,320 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF IBOXX INV CP ETF 464287242   8,528,717 79,827 SH   SOLE   79,827 0 0
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655   617,362 2,794 SH   SOLE   2,794 0 0
ISHARES S&P 500 GROWTH ETF S&P 500 GRWT ETF 464287309   39,409,422 388,155 SH   SOLE   386,330 0 1,825
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408   35,591,867 186,462 SH   SOLE   185,586 0 876
ISHARES S&P SMALL-CAP 600 VALUE ETF SP SMCP600VL ETF 464287879   611,040 5,626 SH   SOLE   5,626 0 0
ISHARES U.S. CONSUMER DISCRETIONARY ETF U.S. CNSM SV ETF 464287580   11,564,777 120,291 SH   SOLE   120,291 0 0
ISHARES U.S. FINANCIALS ETF U.S. FINLS ETF 464287788   11,595,087 104,857 SH   SOLE   104,857 0 0
ISHARES U.S. REAL ESTATE ETF U.S. REAL ES ETF 464287739   34,458,071 370,278 SH   SOLE   368,573 0 1,705
ISHARES U.S. TECHNOLOGY ETF U.S. TECH ETF 464287721   834,768 5,233 SH   SOLE   5,233 0 0
ISHARES U.S. TELECOMMUNICATIONS ETF US TELECOM ETF 464287713   11,821,378 440,603 SH   SOLE   440,603 0 0
ISHARES U.S. UTILITIES ETF U.S. UTILITS ETF 464287697   10,118,117 105,167 SH   SOLE   105,167 0 0
JPMORGAN CHASE & CO. COM COM 46625H100   5,384,865 22,464 SH   SOLE   22,365 0 99
KIMBERLY-CLARK CORP COM COM 494368103   4,456,297 34,007 SH   SOLE   33,858 0 149
KINDER MORGAN INC DEL COM COM 49456B101   896,610 32,723 SH   SOLE   32,723 0 0
KKR & CO INC COM COM 48251W104   251,447 1,700 SH   SOLE   1,700 0 0
LOWES COS INC COM COM 548661107   3,216,791 13,034 SH   SOLE   12,981 0 53
M & T BK CORP COM COM 55261F104   783,250 4,166 SH   SOLE   4,166 0 0
MASTERCARD INCORPORATED CL A CL A 57636Q104   2,888,634 5,486 SH   SOLE   5,463 0 22
MCDONALDS CORP COM COM 580135101   4,215,811 14,543 SH   SOLE   14,473 0 69
MERCK & CO INC COM COM 58933Y105   3,883,558 39,039 SH   SOLE   38,846 0 192
METLIFE INC COM COM 59156R108   4,785,969 58,451 SH   SOLE   58,200 0 251
MICROSOFT CORP COM COM 594918104   5,159,709 12,241 SH   SOLE   12,189 0 52
MORGAN STANLEY COM NEW COM NEW 617446448   246,537 1,961 SH   SOLE   1,961 0 0
NORWEGIAN CRUISE LINE HLDG LTD SHS SHS G66721104   974,498 37,874 SH   SOLE   37,874 0 0
NOVO-NORDISK A S ADR SPONSORED ADR 670100205   2,171,747 25,247 SH   SOLE   25,149 0 98
NVIDIA CORPORATION COM COM 67066G104   1,394,602 10,385 SH   SOLE   10,385 0 0
OMNICOM GROUP INC COM COM 681919106   4,096,115 47,607 SH   SOLE   47,400 0 207
ORACLE CORP COM COM 68389X105   1,036,334 6,219 SH   SOLE   6,219 0 0
OREILLY AUTOMOTIVE INC COM COM 67103H107   4,108,797 3,465 SH   SOLE   3,449 0 16
PALANTIR TECHNOLOGIES INC CL A CL A 69608A108   522,376 6,907 SH   SOLE   6,907 0 0
PHILLIPS 66 COM COM 718546104   3,982,526 34,956 SH   SOLE   34,801 0 154
PROCTER AND GAMBLE CO COM COM 742718109   4,316,078 25,745 SH   SOLE   25,619 0 125
PROSHARES ULTRA S&P 500 PSHS ULT S&P 500 74347R107   13,169,539 142,358 SH   SOLE   142,358 0 0
QUALCOMM INC COM COM 747525103   5,619,579 36,581 SH   SOLE   36,429 0 152
REAL ESTATE SELECT SECTOR SPDR FUND RL EST SEL SEC 81369Y860   2,244,740 55,194 SH   SOLE   55,193 0 0
ROBINHOOD MKTS INC COM CL A COM CL A 770700102   263,726 7,078 SH   SOLE   7,078 0 0
ROYAL CARIBBEAN GROUP COM COM V7780T103   1,158,987 5,024 SH   SOLE   5,024 0 0
ROYAL GOLD INC COM COM 780287108   274,116 2,079 SH   SOLE   2,079 0 0
RTX CORPORATION COM COM 75513E101   7,985,336 69,006 SH   SOLE   68,733 0 272
SCHWAB EMERGING MARKETS EQUITY ETF EMRG MKTEQ ETF 808524706   2,588,539 97,204 SH   SOLE   97,203 0 0
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805   23,147,829 1,251,234 SH   SOLE   1,250,178 0 1,056
SCHWAB SHORT-TERM US TREASURY ETF SHT TM US TRES 808524862   1,799,172 74,779 SH   SOLE   74,778 0 0
SCHWAB U.S. BROAD MARKET ETF US BRD MKT ETF 808524102   12,453,279 548,603 SH   SOLE   547,579 0 1,023
SCHWAB U.S. LARGE-CAP ETF US LRG CAP ETF 808524201   39,967,271 1,724,214 SH   SOLE   1,723,208 0 1,005
SCHWAB U.S. LARGE-CAP GROWTH ETF US LCAP GR ETF 808524300   265,211 9,516 SH   SOLE   9,516 0 0
SCHWAB U.S. MID-CAP ETF US MID-CAP ETF 808524508   587,237 21,192 SH   SOLE   21,192 0 0
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797   11,139,383 407,737 SH   SOLE   406,963 0 774
SCHWAB US TIPS ETF US TIPS ETF 808524870   753,048 29,154 SH   SOLE   29,154 0 0
SOFI TECHNOLOGIES INC COM COM 83406F102   273,904 17,786 SH   SOLE   17,786 0 0
SPDR DOW JONES INDUSTRIAL AVERAGE ETF TRUST UT SER 1 78467X109   36,571,725 85,950 SH   SOLE   85,543 0 407
SPDR GOLD SHARES GOLD SHS 78463V107   15,028,283 62,067 SH   SOLE   62,067 0 0
SPDR PORTFOLIO S&P 400 MID CAP ETF PORTFOLIO S&P400 78464A847   10,221,397 186,897 SH   SOLE   186,502 0 395
SPDR PORTFOLIO S&P 600 SMALL CAP ETF PORTFOLIO S&P600 78468R853   1,287,183 28,655 SH   SOLE   28,655 0 0
SPDR S&P 500 ETF TRUST TR UNIT 78462F103   57,941,092 98,862 SH   SOLE   98,498 0 364
SPOTIFY TECHNOLOGY S A SHS SHS L8681T102   256,796 574 SH   SOLE   574 0 0
SYNCHRONY FINANCIAL COM COM 87165B103   872,235 13,419 SH   SOLE   13,419 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS SPONSORED ADS 874039100   5,448,354 27,588 SH   SOLE   27,455 0 133
TARGA RES CORP COM COM 87612G101   843,770 4,727 SH   SOLE   4,727 0 0
TESLA INC COM COM 88160R101   2,349,541 5,818 SH   SOLE   5,818 0 0
TEXAS INSTRS INC COM COM 882508104   4,432,537 23,639 SH   SOLE   23,534 0 104
THE TRADE DESK INC COM CL A COM CL A 88339J105   292,062 2,485 SH   SOLE   2,485 0 0
T-MOBILE US INC COM COM 872590104   296,882 1,345 SH   SOLE   1,345 0 0
TOAST INC CL A CL A 888787108   223,949 6,144 SH   SOLE   6,144 0 0
UNILEVER PLC SPON ADR NEW SPON ADR NEW 904767704   4,655,960 82,116 SH   SOLE   81,777 0 338
UNITED AIRLS HLDGS INC COM COM 910047109   1,295,120 13,338 SH   SOLE   13,338 0 0
UNITED PARCEL SERVICE INC CL B CL B NEW 911312106   3,905,654 30,973 SH   SOLE   30,814 0 158
VANGUARD HIGH DIVIDEND YIELD INDEX ETF HIGH DIV YLD 921946406   427,171 3,348 SH   SOLE   3,348 0 0
VANGUARD INTERMEDIATE-TERM BOND ETF INTERMED TERM 921937819   26,685,573 357,093 SH   SOLE   356,797 0 296
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363   438,478 814 SH   SOLE   813 0 0
VANGUARD TOTAL BOND MARKET ETF TOTAL BND MRKT 921937835   3,149,802 43,802 SH   SOLE   43,802 0 0
VANGUARD TOTAL STOCK MARKET ETF TOTAL STK MKT 922908769   243,841 841 SH   SOLE   841 0 0
VERTIV HOLDINGS CO COM CL A COM CL A 92537N108   236,195 2,079 SH   SOLE   2,079 0 0
VISTRA CORP COM COM 92840M102   1,133,291 8,220 SH   SOLE   8,220 0 0
WALMART INC COM COM 931142103   5,843,227 64,673 SH   SOLE   64,408 0 265
WASTE MGMT INC DEL COM COM 94106L109   4,514,430 22,372 SH   SOLE   22,272 0 99
WILLIAMS COS INC COM COM 969457100   863,160 15,949 SH   SOLE   15,949 0 0
WORKDAY INC CL A CL A 98138H101   2,408,968 9,336 SH   SOLE   9,300 0 36