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
ABBOTT LABS COM 002824100   5,876,462 56,553 SH   SOLE   0 0 56,553
ABBVIE INC COM 00287Y109   6,440,788 37,551 SH   SOLE   0 0 37,551
ABRDN ETFS BBRG ALL COMD K1 003261104   18,781,464 923,830 SH   SOLE   0 0 923,830
ADVANCED MICRO DEVICES INC COM 007903107   1,137,579 7,013 SH   SOLE   0 0 7,013
ALPHABET INC CAP STK CL C 02079K107   1,473,438 8,033 SH   SOLE   0 0 8,033
AMAZON COM INC COM 023135106   1,611,512 8,339 SH   SOLE   0 0 8,339
AMCOR PLC ORD G0250X107   468,673 47,922 SH   SOLE   0 0 47,921
APPLE INC COM 037833100   1,978,202 9,392 SH   SOLE   0 0 9,392
ASML HOLDING N V N Y REGISTRY SHS N07059210   1,355,138 1,325 SH   SOLE   0 0 1,325
AUTOMATIC DATA PROCESSING IN COM 053015103   5,867,802 24,583 SH   SOLE   0 0 24,583
BROADCOM INC COM 11135F101   1,485,658 925 SH   SOLE   0 0 925
CATERPILLAR INC COM 149123101   6,020,478 18,074 SH   SOLE   0 0 18,073
CHEVRON CORP NEW COM 166764100   5,902,947 37,738 SH   SOLE   0 0 37,737
CHUBB LIMITED COM H1467J104   471,478 1,848 SH   SOLE   0 0 1,848
COCA COLA CO COM 191216100   6,180,183 97,096 SH   SOLE   0 0 97,096
COLGATE PALMOLIVE CO COM 194162103   6,015,121 61,986 SH   SOLE   0 0 61,986
COSTCO WHSL CORP NEW COM 22160K105   1,348,148 1,586 SH   SOLE   0 0 1,586
EXXON MOBIL CORP COM 30231G102   6,121,627 53,176 SH   SOLE   0 0 53,176
FRANKLIN ETF TR SHRT DUR US GOVT 353506108   2,694,318 29,915 SH   SOLE   0 0 29,915
GENERAL DYNAMICS CORP COM 369550108   5,578,261 19,226 SH   SOLE   0 0 19,226
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   4,690,469 46,867 SH   SOLE   0 0 46,867
HOME DEPOT INC COM 437076102   413,088 1,200 SH   SOLE   0 0 1,200
INFOSYS LTD SPONSORED ADR 456788108   499,628 26,833 SH   SOLE   0 0 26,832
INTERNATIONAL BUSINESS MACHS COM 459200101   6,368,585 36,823 SH   SOLE   0 0 36,823
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784   14,991,955 749,598 SH   SOLE   0 0 749,597
ISHARES GOLD TR ISHARES NEW 464285204   2,535,244 57,711 SH   SOLE   0 0 57,711
ISHARES INC MSCI MLY ETF NEW 46434G814   1,532,086 68,214 SH   SOLE   0 0 68,214
ISHARES INC FRONTIER AND SEL 464286145   768,855 27,999 SH   SOLE   0 0 27,999
ISHARES TR TIPS BD ETF 464287176   7,163,491 67,086 SH   SOLE   0 0 67,086
ISHARES TR U.S. REAL ES ETF 464287739   593,210 6,761 SH   SOLE   0 0 6,761
ISHARES TR BROAD USD HIGH 46435U853   2,856,277 78,729 SH   SOLE   0 0 78,728
ISHARES TR MSCI POLAND ETF 46429B606   1,499,911 61,146 SH   SOLE   0 0 61,146
ISHARES TR IBOXX HI YD ETF 464288513   2,755,169 35,716 SH   SOLE   0 0 35,716
ISHARES TR MSCI USA VALUE 46432F388   2,412,998 23,323 SH   SOLE   0 0 23,323
ISHARES TR 7-10 YR TRSY BD 464287440   17,529,797 187,184 SH   SOLE   0 0 187,184
ISHARES TR CORE US AGGBD ET 464287226   16,765,616 172,717 SH   SOLE   0 0 172,716
ISHARES TR MSCI EAFE ETF 464287465   18,516,843 236,395 SH   SOLE   0 0 236,395
JOHNSON & JOHNSON COM 478160104   5,753,099 39,362 SH   SOLE   0 0 39,361
LINDE PLC SHS G54950103   471,295 1,074 SH   SOLE   0 0 1,074
LOWES COS INC COM 548661107   5,946,418 26,973 SH   SOLE   0 0 26,972
MASTERCARD INCORPORATED CL A 57636Q104   237,798 539 SH   SOLE   0 0 539
MCDONALDS CORP COM 580135101   5,641,117 22,136 SH   SOLE   0 0 22,135
MEDTRONIC PLC SHS G5960L103   5,677,973 72,138 SH   SOLE   0 0 72,138
META PLATFORMS INC CL A 30303M102   1,377,206 2,731 SH   SOLE   0 0 2,731
MICROSOFT CORP COM 594918104   2,262,085 5,061 SH   SOLE   0 0 5,061
NEXTERA ENERGY INC COM 65339F101   5,840,957 82,488 SH   SOLE   0 0 82,487
NOVARTIS AG SPONSORED ADR 66987V109   500,665 4,703 SH   SOLE   0 0 4,702
NOVO-NORDISK A S ADR 670100205   569,675 3,991 SH   SOLE   0 0 3,991
NVIDIA CORPORATION COM 67066G104   4,232,741 34,262 SH   SOLE   0 0 34,262
PENTAIR PLC SHS G7S00T104   476,156 6,210 SH   SOLE   0 0 6,210
PEPSICO INC COM 713448108   5,576,127 33,809 SH   SOLE   0 0 33,808
PIMCO ETF TR 0-5 HIGH YIELD 72201R783   2,776,870 29,955 SH   SOLE   0 0 29,955
POWERSHARES ACTIVELY MANAGED ULTRA SHRT DUR 46090A887   709,754 14,224 SH   SOLE   0 0 14,223
PROCTER AND GAMBLE CO COM 742718109   6,190,950 37,539 SH   SOLE   0 0 37,539
PROSHARES TR S&P 500 DV ARIST 74348A467   13,525,720 140,702 SH   SOLE   0 0 140,702
S&P GLOBAL INC COM 78409V104   6,484,663 14,540 SH   SOLE   0 0 14,539
SANOFI SPONSORED ADR 80105N105   471,365 9,715 SH   SOLE   0 0 9,714
SAP SE SPON ADR 803054204   528,711 2,621 SH   SOLE   0 0 2,621
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   2,187,878 44,861 SH   SOLE   0 0 44,861
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   721,447 3,189 SH   SOLE   0 0 3,189
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   643,778 4,417 SH   SOLE   0 0 4,417
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   637,682 8,327 SH   SOLE   0 0 8,327
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   673,217 16,376 SH   SOLE   0 0 16,376
SELECT SECTOR SPDR TR ENERGY 81369Y506   641,605 7,039 SH   SOLE   0 0 7,039
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   605,807 6,860 SH   SOLE   0 0 6,860
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   619,430 3,396 SH   SOLE   0 0 3,396
SELECT SECTOR SPDR TR INDL 81369Y704   652,370 5,353 SH   SOLE   0 0 5,353
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   718,604 10,546 SH   SOLE   0 0 10,546
SHERWIN WILLIAMS CO COM 824348106   5,635,687 18,884 SH   SOLE   0 0 18,884
SPDR S&P 500 ETF TR TR UNIT 78462F103   20,986,386 38,562 SH   SOLE   0 0 38,562
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   21,213,111 231,130 SH   SOLE   0 0 231,130
UNILEVER PLC SPON ADR NEW 904767704   501,124 9,113 SH   SOLE   0 0 9,113
UNITEDHEALTH GROUP INC COM 91324P102   442,038 868 SH   SOLE   0 0 868
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   10,579,029 146,829 SH   SOLE   0 0 146,829
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   739,848 9,646 SH   SOLE   0 0 9,646
VANGUARD INDEX FDS TOTAL STK MKT 922908769   16,086,981 60,136 SH   SOLE   0 0 60,136
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,164,620 25,843 SH   SOLE   0 0 25,843
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   9,891,142 127,999 SH   SOLE   0 0 127,999
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   4,657,722 56,822 SH   SOLE   0 0 56,822
VANGUARD WORLD FD ENERGY ETF 92204A306   324,028 2,540 SH   SOLE   0 0 2,540
VANGUARD WORLD FD COMM SRVC ETF 92204A884   684,643 4,954 SH   SOLE   0 0 4,954
WALMART INC COM 931142103   7,040,347 103,978 SH   SOLE   0 0 103,978