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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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   3,922,995 30,315 SH   SOLE   0 0 30,315
ABBOTT LABS COM 002824100   4,312,065 39,687 SH   SOLE   0 0 39,687
ABBVIE INC COM 00287Y109   4,858,150 31,720 SH   SOLE   0 0 31,720
ABRDN ETFS BBRG ALL COMD K1 003261104   9,924,645 365,414 SH   SOLE   0 0 365,414
ALPHABET INC CAP STK CL C 02079K107   507,488 232 SH   SOLE   0 0 232
AMAZON COM INC COM 023135106   528,820 4,979 SH   SOLE   0 0 4,979
AMCOR PLC ORD G0250X107   350,557 28,202 SH   SOLE   0 0 28,202
APPLE INC COM 037833100   801,726 5,864 SH   SOLE   0 0 5,864
ASML HOLDING N V N Y REGISTRY SHS N07059210   552,021 1,160 SH   SOLE   0 0 1,160
AT&T INC COM 00206R102   317,167 15,132 SH   SOLE   0 0 15,132
AUTOMATIC DATA PROCESSING IN COM 053015103   4,472,523 21,294 SH   SOLE   0 0 21,294
BROADCOM INC COM 11135F101   582,000 1,198 SH   SOLE   0 0 1,198
CATERPILLAR INC COM 149123101   3,909,161 21,868 SH   SOLE   0 0 21,868
CHEVRON CORP NEW COM 166764100   3,920,830 27,082 SH   SOLE   0 0 27,082
CHUBB LIMITED COM H1467J104   344,102 1,750 SH   SOLE   0 0 1,750
COCA COLA CO COM 191216100   4,781,515 76,006 SH   SOLE   0 0 76,006
COMCAST CORP NEW CL A 20030N101   610,142 15,549 SH   SOLE   0 0 15,549
COSTCO WHSL CORP NEW COM 22160K105   662,844 1,383 SH   SOLE   0 0 1,383
DIAGEO PLC SPON ADR NEW 25243Q205   300,385 1,725 SH   SOLE   0 0 1,725
EXXON MOBIL CORP COM 30231G102   4,283,178 50,013 SH   SOLE   0 0 50,013
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   8,652,271 86,661 SH   SOLE   0 0 86,661
INFOSYS LTD SPONSORED ADR 456788108   302,638 16,350 SH   SOLE   0 0 16,350
INTERNATIONAL BUSINESS MACHS COM 459200101   5,062,715 35,858 SH   SOLE   0 0 35,858
ISHARES GOLD TR ISHARES NEW 464285204   2,116,927 61,700 SH   SOLE   0 0 61,700
ISHARES INC MSCI MLY ETF NEW 46434G814   425,893 19,403 SH   SOLE   0 0 19,403
ISHARES INC MSCI GBL ETF NEW 46434G848   2,475,708 69,503 SH   SOLE   0 0 69,503
ISHARES INC MSCI GBL GOLD MN 46434G855   2,535,078 116,395 SH   SOLE   0 0 116,395
ISHARES TR GLOB UTILITS ETF 464288711   756,725 12,589 SH   SOLE   0 0 12,589
ISHARES TR MSCI USA VALUE 46432F388   5,456,636 60,281 SH   SOLE   0 0 60,281
ISHARES TR TIPS BD ETF 464287176   4,605,755 40,433 SH   SOLE   0 0 40,433
ISHARES TR S&P 100 ETF 464287101   366,844 2,127 SH   SOLE   0 0 2,127
ISHARES TR CORE US AGGBD ET 464287226   11,377,089 111,891 SH   SOLE   0 0 111,891
ISHARES TR MSCI UK ETF NEW 46435G334   922,834 30,802 SH   SOLE   0 0 30,802
ISHARES TR GLB INFRASTR ETF 464288372   759,781 16,252 SH   SOLE   0 0 16,252
JOHNSON & JOHNSON COM 478160104   4,710,973 26,539 SH   SOLE   0 0 26,539
LINDE PLC SHS G54950103   336,767 1,171 SH   SOLE   0 0 1,171
LOWES COS INC COM 548661107   3,795,656 21,730 SH   SOLE   0 0 21,730
MCDONALDS CORP COM 580135101   4,573,981 18,527 SH   SOLE   0 0 18,527
MEDTRONIC PLC SHS G5960L103   3,921,903 43,698 SH   SOLE   0 0 43,698
META PLATFORMS INC CL A 30303M102   587,756 3,645 SH   SOLE   0 0 3,645
MICROSOFT CORP COM 594918104   1,421,810 5,536 SH   SOLE   0 0 5,536
NEXTERA ENERGY INC COM 65339F101   4,593,482 59,302 SH   SOLE   0 0 59,302
NOVARTIS AG SPONSORED ADR 66987V109   328,729 3,889 SH   SOLE   0 0 3,889
NVIDIA CORPORATION COM 67066G104   1,127,678 7,439 SH   SOLE   0 0 7,439
PEPSICO INC COM 713448108   4,642,650 27,857 SH   SOLE   0 0 27,857
PRIMERICA INC COM 74164M108   233,764 1,953 SH   SOLE   0 0 1,953
PROCTER AND GAMBLE CO COM 742718109   4,401,496 30,610 SH   SOLE   0 0 30,610
PROSHARES TR S&P 500 DV ARIST 74348A467   5,531,584 64,803 SH   SOLE   0 0 64,803
S&P GLOBAL INC COM 78409V104   4,801,909 14,246 SH   SOLE   0 0 14,246
SANOFI SPONSORED ADR 80105N105   331,246 6,621 SH   SOLE   0 0 6,621
SAP SE SPON ADR 803054204   281,978 3,108 SH   SOLE   0 0 3,108
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   7,533,252 153,146 SH   SOLE   0 0 153,146
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,535,702 21,276 SH   SOLE   0 0 21,276
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,568,949 22,372 SH   SOLE   0 0 22,372
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   1,308,976 17,785 SH   SOLE   0 0 17,785
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,419,873 11,072 SH   SOLE   0 0 11,072
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,325,438 18,535 SH   SOLE   0 0 18,535
SHERWIN WILLIAMS CO COM 824348106   3,630,748 16,215 SH   SOLE   0 0 16,215
SONY GROUP CORPORATION SPONSORED ADR 835699307   295,029 3,608 SH   SOLE   0 0 3,608
SPDR S&P 500 ETF TR TR UNIT 78462F103   230,123 610 SH   SOLE   0 0 610
SPDR SER TR BLOOMBERG HIGH Y 78468R622   5,610,399 61,850 SH   SOLE   0 0 61,850
SPDR SER TR PORTFOLIO AGRGTE 78464A649   10,138,584 384,766 SH   SOLE   0 0 384,766
SPDR SER TR PORTFLI TIPS ETF 78464A656   2,133,531 77,527 SH   SOLE   0 0 77,527
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   41,173,187 450,029 SH   SOLE   0 0 450,029
SPDR SER TR BLOOMBERG 1 10 Y 78468R861   1,232,032 63,311 SH   SOLE   0 0 63,311
TARGET CORP COM 87612E106   3,772,633 26,712 SH   SOLE   0 0 26,712
UNILEVER PLC SPON ADR NEW 904767704   317,492 6,928 SH   SOLE   0 0 6,928
VANECK ETF TRUST PHARMACEUTCL ETF 92189F692   239,280 3,114 SH   SOLE   0 0 3,114
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   7,710,989 102,458 SH   SOLE   0 0 102,458
VANGUARD INDEX FDS TOTAL STK MKT 922908769   7,508,497 39,807 SH   SOLE   0 0 39,807
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,868,927 68,882 SH   SOLE   0 0 68,882
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   8,598,169 171,552 SH   SOLE   0 0 171,552
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   267,106 4,538 SH   SOLE   0 0 4,538
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   5,491,858 80,326 SH   SOLE   0 0 80,326
VANGUARD WORLD FDS ENERGY ETF 92204A306   2,735,539 27,501 SH   SOLE   0 0 27,501
WALMART INC COM 931142103   3,962,221 32,589 SH   SOLE   0 0 32,589
WESTERN DIGITAL CORP. NOTE 1.500% 2/0 958102AP0   18,050 19,000 SH   SOLE   0 0 19,000