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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ADOBE INC COM COM 00724F101 302 827 SH   SOLE NONE 0 0 827
ALPHABET INC COM CL A CAP STK CL A 02079K305 677 311 SH   SOLE NONE 0 0 311
AMAZON COM INC COM COM 023135106 1,443 13,590 SH   SOLE NONE 0 0 13,590
AMERICAN CENTURY INVESTMENTS DIVERSIFIED MU ETF DIVERSIFIED MU 025072505 534 10,731 SH   SOLE NONE 0 0 10,731
APPLE INC COM COM 037833100 1,795 13,136 SH   SOLE NONE 0 0 13,136
CHEVRON CORPORATION COM COM 166764100 515 3,560 SH   SOLE NONE 0 0 3,560
COSTCO WHOLESALE CORP COM COM 22160K105 383 801 SH   SOLE NONE 0 0 801
FIRST TR EXCHANGE TRADED FD IV SENIOR LN FD ETF SENIOR LN FD 33738D309 1,299 29,460 SH   SOLE NONE 0 0 29,460
FLEXSHARES TRUST IBOXX 3R TARGT ETF IBOXX 3R TARGT 33939L506 2,582 104,076 SH   SOLE NONE 0 0 104,076
FRANKLIN TEMPLETON ETF TR DYNAMIC MUNICIPAL BOND ETF FRANKLIN DYN MUN 35473P868 398 16,807 SH   SOLE NONE 0 0 16,807
HOME DEPOT INC COM COM 437076102 398 1,454 SH   SOLE NONE 0 0 1,454
INVESCO EXCHANGE TRADED FD TR FTSE RAFI 1000 ETF FTSE RAFI 1000 46137V613 213 1,440 SH   SOLE NONE 0 0 1,440
INVESCO EXCHANGE TRADED FD TR S&P 500 TOP 50 ETF S&P 500 TOP 50 46137V233 4,972 17,351 SH   SOLE NONE 0 0 17,351
INVESCO EXCHANGE TRADED FUND T KBW BK ETF KBW BK ETF 46138E628 669 12,937 SH   SOLE NONE 0 0 12,937
INVESCO QQQ TRUST UNIT SER 1 ETF UNIT SER 1 46090E103 10,347 36,917 SH   SOLE NONE 0 0 36,917
ISHARES GOLD TRUST ISHARES NEW ETF ISHARES NEW 464285204 3,552 103,541 SH   SOLE NONE 0 0 103,541
ISHARES S&P GSCI COMMODITY IDX UNIT BEN INT ETF UNIT BEN INT 46428R107 5,088 220,282 SH   SOLE NONE 0 0 220,282
ISHARES TRUST 0-5 YR TIPS ETF 0-5 YR TIPS ETF 46429B747 3,497 34,485 SH   SOLE NONE 0 0 34,485
ISHARES TRUST IBONDS DEC 27 ETF IBONDS DEC 27 46435U283 245 9,770 SH   SOLE NONE 0 0 9,770
ISHARES TRUST IBONDS DEC 28 ETF IBONDS DEC 28 46435U325 356 14,248 SH   SOLE NONE 0 0 14,248
ISHARES TRUST MORNINGSTAR GRWT ETF MORNINGSTAR GRWT 464287119 762 15,232 SH   SOLE NONE 0 0 15,232
ISHARES TRUST PFD AND INCM SEC ETF PFD AND INCM SEC 464288687 516 15,703 SH   SOLE NONE 0 0 15,703
JP MORGAN ETF TRUST ULTRA SHRT INC ETF ULTRA SHRT INC 46641Q837 366 7,315 SH   SOLE NONE 0 0 7,315
META PLATFORMS INC CLASS A CL A 30303M102 374 2,322 SH   SOLE NONE 0 0 2,322
MICROSOFT CORP COM COM 594918104 595 2,320 SH   SOLE NONE 0 0 2,320
MORGAN STANLEY COM COM NEW 617446448 224 2,955 SH   SOLE NONE 0 0 2,955
NVIDIA CORP COM COM 67066G104 307 2,027 SH   SOLE NONE 0 0 2,027
OLD DOMINION FREIGHT LINE INC COM COM 679580100 304 1,189 SH   SOLE NONE 0 0 1,189
PAYPAL HOLDINGS INC COM COM 70450Y103 224 3,214 SH   SOLE NONE 0 0 3,214
SCHWAB STRATEGIC TR US DIVIDEND EQ ETF US DIVIDEND EQ 808524797 5,839 81,528 SH   SOLE NONE 0 0 81,528
SELECT SECTOR SPDR TRUST ENERGY ETF ENERGY 81369Y506 1,843 25,782 SH   SOLE NONE 0 0 25,782
SELECT SECTOR SPDR TRUST SBI HEALTHCARE ETF SBI HEALTHCARE 81369Y209 944 7,361 SH   SOLE NONE 0 0 7,361
SELECT SECTOR SPDR TRUST SBI INT-UTILS ETF SBI INT-UTILS 81369Y886 293 4,185 SH   SOLE NONE 0 0 4,185
SHOPIFY INC COM CL A CL A 82509L107 214 6,870 SH   SOLE NONE 0 0 6,870
SPDR DOW JONES IND UT SER 1 ETF UT SER 1 78467X109 5,673 18,431 SH   SOLE NONE 0 0 18,431
SPDR SERIES TRUST PORTFOLIO INTRMD ETF PORTFOLIO INTRMD 78464A375 753 23,105 SH   SOLE NONE 0 0 23,105
TESLA INC COM COM 88160R101 1,044 1,551 SH   SOLE NONE 0 0 1,551
VANECK ETF TRUST FALLEN ANGEL HIGH YLD BD EF FALLEN ANGEL HG 92189F437 664 24,587 SH   SOLE NONE 0 0 24,587
VANGUARD MEGA GRWTH IND ETF MEGA GRWTH IND 921910816 5,640 31,047 SH   SOLE NONE 0 0 31,047
VANGUARD S&P 500 ETF SHS S&P 500 ETF SHS 922908363 13,255 38,213 SH   SOLE NONE 0 0 38,213
VANGUARD STRM INFPROIDX ETF STRM INFPROIDX 922020805 4,751 94,793 SH   SOLE NONE 0 0 94,793
VANGUARD TOTAL STK MKT ETF TOTAL STK MKT 922908769 834 4,424 SH   SOLE NONE 0 0 4,424
VICTORY PORTFOLIOS II VICTORYSHS INTRM ETF VICTORYSHS INTRM 92647N527 742 15,708 SH   SOLE NONE 0 0 15,708
VICTORY PORTFOLIOS II VICTORYSHS SHORT ETF VICTORYSHS SHORT 92647N535 675 13,784 SH   SOLE NONE 0 0 13,784
WALT DISNEY COMPANY (THE) COM COM 254687106 361 3,833 SH   SOLE NONE 0 0 3,833
WASTE MANAGEMENT INC COM COM 94106L109 391 2,561 SH   SOLE NONE 0 0 2,561
WELLS FARGO & CO COM 949746101 248 6,355 SH   SOLE NONE 0 0 6,355