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
3M CO COM 88579Y101 BBG001S5T7X2 336,242 3,170 SH   SOLE   0 0 3,170
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 332,834 1,828 SH   SOLE   0 0 1,828
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108 BBG001T56K58 2,919,892 122,633 SH   SOLE   0 0 122,633
AFLAC INC COM 001055102 BBG001S5NGJ4 848,016 9,877 SH   SOLE   0 0 9,877
ALBEMARLE CORP COM 012653101 BBG001S7SBP9 261,636 1,986 SH   SOLE   0 0 1,986
ALBERTSONS COS INC COMMON STOCK 013091103 BBG009KG1741 226,536 10,566 SH   SOLE   0 0 10,566
ALLSTATE CORP COM 020002101 BBG001S9BM06 269,204 1,556 SH   SOLE   0 0 1,556
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 358,761 2,377 SH   SOLE   0 0 2,377
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 303,116 6,949 SH   SOLE   0 0 6,949
AMCOR PLC ORD G0250X107 BBG00LNJRQ18 129,165 13,582 SH   SOLE   0 0 13,582
AMGEN INC COM 031162100 BBG001S5NNL6 246,506 867 SH   SOLE   0 0 867
AMKOR TECHNOLOGY INC COM 031652100 BBG001S64YF8 273,654 8,488 SH   SOLE   0 0 8,488
APPLE INC COM 037833100 BBG001S5N8V8 831,219 4,847 SH   SOLE   0 0 4,847
APPLIED MATLS INC COM 038222105 BBG001S5NMM7 517,432 2,509 SH   SOLE   0 0 2,509
ARCHER DANIELS MIDLAND CO COM 039483102 BBG001S5ND74 327,241 5,210 SH   SOLE   0 0 5,210
ATKORE INC COM 047649108 BBG001T8LDZ8 472,093 2,480 SH   SOLE   0 0 2,480
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 252,889 6,669 SH   SOLE   0 0 6,669
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 203,532 484 SH   SOLE   0 0 484
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 546,697 10,081 SH   SOLE   0 0 10,081
BROADCOM INC COM 11135F101 BBG00KHY5SY8 339,305 256 SH   SOLE   0 0 256
CATERPILLAR INC COM 149123101 BBG001S5PJ06 418,097 1,141 SH   SOLE   0 0 1,141
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 633,642 4,017 SH   SOLE   0 0 4,017
CISCO SYS INC COM 17275R102 BBG001S6HC62 478,737 9,592 SH   SOLE   0 0 9,592
COCA COLA CO COM 191216100 BBG001S5SMQ8 249,650 4,081 SH   SOLE   0 0 4,081
COMERICA INC COM 200340107 BBG001S6PXB1 408,301 7,425 SH   SOLE   0 0 7,425
CUMMINS INC COM 231021106 BBG001S5Q9M3 739,572 2,510 SH   SOLE   0 0 2,510
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 505,440 6,337 SH   SOLE   0 0 6,337
DEERE & CO COM 244199105 BBG001S5QFF7 460,029 1,120 SH   SOLE   0 0 1,120
DISNEY WALT CO COM 254687106 BBG001S5QHF3 241,539 1,974 SH   SOLE   0 0 1,974
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 444,037 3,820 SH   SOLE   0 0 3,820
FIRST SOLAR INC COM 336433107 BBG001S991Z7 662,034 3,922 SH   SOLE   0 0 3,922
FLOOR & DECOR HLDGS INC CL A 339750101 BBG007GJ2F90 288,405 2,225 SH   SOLE   0 0 2,225
FORD MTR CO DEL COM 345370860 BBG001S5TZ33 216,757 16,322 SH   SOLE   0 0 16,322
GENERAL DYNAMICS CORP COM 369550108 BBG001S5RHP1 220,060 779 SH   SOLE   0 0 779
GENUINE PARTS CO COM 372460105 BBG001S5RNH7 595,706 3,845 SH   SOLE   0 0 3,845
GILEAD SCIENCES INC COM 375558103 BBG001S6Y1X7 649,728 8,870 SH   SOLE   0 0 8,870
HERSHEY CO COM 427866108 BBG001S5S148 542,655 2,790 SH   SOLE   0 0 2,790
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 260,470 1,364 SH   SOLE   0 0 1,364
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 239,079 4,155 SH   SOLE   0 0 4,155
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 29,915,706 515,255 SH   SOLE   0 0 515,255
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 218,682 4,378 SH   SOLE   0 0 4,378
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 18,756,490 191,510 SH   SOLE   0 0 191,510
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 33,135,058 835,478 SH   SOLE   0 0 835,478
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 9,184,415 85,508 SH   SOLE   0 0 85,508
ISHARES TR US INFRASTRUC 46435U713 BBG00KHHFPF1 3,032,382 69,935 SH   SOLE   0 0 69,935
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 517,175 2,582 SH   SOLE   0 0 2,582
KOHLS CORP COM 500255104 BBG001S71NV5 212,854 7,302 SH   SOLE   0 0 7,302
LAM RESEARCH CORP COM 512807108 BBG001S5SW40 444,980 458 SH   SOLE   0 0 458
LINDE PLC SHS G54950103 BBG01FND0CH6 500,073 1,077 SH   SOLE   0 0 1,077
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 451,232 992 SH   SOLE   0 0 992
LOWES COS INC COM 548661107 BBG001S5SVL3 487,044 1,912 SH   SOLE   0 0 1,912
MERCK & CO INC COM 58933Y105 BBG001S5TC52 294,777 2,234 SH   SOLE   0 0 2,234
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 307,373 633 SH   SOLE   0 0 633
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,529,513 3,635 SH   SOLE   0 0 3,635
MORGAN STANLEY COM NEW 617446448 BBG001S9V5Z3 391,424 4,157 SH   SOLE   0 0 4,157
NATIONAL FUEL GAS CO COM 636180101 BBG001S5TLR8 210,099 3,911 SH   SOLE   0 0 3,911
NUTRIEN LTD COM 67077M108 BBG00JM9SM69 230,981 4,253 SH   SOLE   0 0 4,253
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 412,927 457 SH   SOLE   0 0 457
ORACLE CORP COM 68389X105 BBG001S5SJG6 241,800 1,925 SH   SOLE   0 0 1,925
PACER FDS TR PACER US SMALL 69374H857 BBG00GXXR1G6 4,009,146 81,553 SH   SOLE   0 0 81,553
QUALCOMM INC COM 747525103 BBG001S6VS70 236,194 1,395 SH   SOLE   0 0 1,395
RBB FD INC US TREAS 3 MNTH 74933W452 BBG01922X1R4 2,296,277 45,898 SH   SOLE   0 0 45,898
REPUBLIC SVCS INC COM 760759100 BBG001S9DL33 240,641 1,257 SH   SOLE   0 0 1,257
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 313,739 4,337 SH   SOLE   0 0 4,337
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 206,777 3,387 SH   SOLE   0 0 3,387
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 31,225,419 387,268 SH   SOLE   0 0 387,268
SPDR SER TR S&P METALS MNG 78464A755 BBG001SMH2W0 2,969,092 49,255 SH   SOLE   0 0 49,255
SPROUTS FMRS MKT INC COM 85208M102 BBG001V0MZS0 460,775 7,146 SH   SOLE   0 0 7,146
STANLEY BLACK & DECKER INC COM 854502101 BBG001S5WHT1 234,641 2,396 SH   SOLE   0 0 2,396
TARGET CORP COM 87612E106 BBG001SC0K41 563,883 3,182 SH   SOLE   0 0 3,182
TESLA INC COM 88160R101 BBG001SQKGD7 571,670 3,252 SH   SOLE   0 0 3,252
THE TRADE DESK INC COM CL A 88339J105 BBG00629NGW8 1,416,379 16,202 SH   SOLE   0 0 16,202
UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 261,143 1,757 SH   SOLE   0 0 1,757
VALERO ENERGY CORP COM 91913Y100 BBG001S5X8K9 812,386 4,759 SH   SOLE   0 0 4,759
VANECK ETF TRUST PREFERRED SECURT 92189F429 BBG0034VZPF0 3,389,121 191,584 SH   SOLE   0 0 191,584
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 13,969,735 185,275 SH   SOLE   0 0 185,275
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 10,963,443 222,880 SH   SOLE   0 0 222,880
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 629,667 1,829 SH   SOLE   0 0 1,829
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 281,299 1,193 SH   SOLE   0 0 1,193
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 262,059 1,681 SH   SOLE   0 0 1,681
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 6,667,340 77,097 SH   SOLE   0 0 77,097
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 12,391,055 64,577 SH   SOLE   0 0 64,577
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 702,895 4,316 SH   SOLE   0 0 4,316
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 18,296,757 438,036 SH   SOLE   0 0 438,036
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 500,536 9,892 SH   SOLE   0 0 9,892
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 BBG001TCHH58 310,378 1,332 SH   SOLE   0 0 1,332
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 389,174 6,454 SH   SOLE   0 0 6,454
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 4,471,360 89,124 SH   SOLE   0 0 89,124
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 202,538 1,674 SH   SOLE   0 0 1,674
VANGUARD WORLD FD ENERGY ETF 92204A306 BBG001SHTV45 3,057,021 23,212 SH   SOLE   0 0 23,212
VANGUARD WORLD FD MATERIALS ETF 92204A801 BBG001SHTTP7 3,022,498 14,785 SH   SOLE   0 0 14,785
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 505,897 12,057 SH   SOLE   0 0 12,057
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 245,549 1,152 SH   SOLE   0 0 1,152