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
ABBOTT LABS COM 002824100 1,149 10,571 SH   SOLE   10,571 0 0
ABBVIE INC COM 00287Y109 627 4,096 SH   SOLE   4,096 0 0
ALPHABET INC CAP STK CL A 02079K305 3,650 1,675 SH   SOLE   1,675 0 0
ALPHABET INC CAP STK CL C 02079K107 259 118 SH   SOLE   118 0 0
AMAZON COM INC COM 023135106 1,247 11,741 SH   SOLE   11,741 0 0
AMERISOURCEBERGEN CORP COM 03073E105 3,652 25,810 SH   SOLE   25,810 0 0
AMGEN INC COM 031162100 467 1,918 SH   SOLE   1,918 0 0
APPLE INC COM 037833100 10,518 76,935 SH   SOLE   76,935 0 0
BLACKSTONE INC COM 09260D107 590 6,462 SH   SOLE   6,462 0 0
CAMECO CORP COM 13321L108 210 10,000 SH   SOLE   10,000 0 0
CITIZENS FINL GROUP INC COM 174610105 418 11,707 SH   SOLE   11,707 0 0
COSTCO WHSL CORP NEW COM 22160K105 299 623 SH   SOLE   623 0 0
CVS HEALTH CORP COM 126650100 3,563 38,456 SH   SOLE   38,456 0 0
EMERSON ELEC CO COM 291011104 2,296 28,860 SH   SOLE   28,860 0 0
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 1,726 37,091 SH   SOLE   37,091 0 0
FIRST MAJESTIC SILVER CORP COM 32076V103 287 40,000 SH   SOLE   40,000 0 0
GLOBAL X FDS GLOBAL X URANIUM 37954Y871 186 10,000 SH   SOLE   10,000 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 17,671 235,796 SH   SOLE   235,796 0 0
HP INC COM 40434L105 201 6,143 SH   SOLE   6,143 0 0
INTEL CORP COM 458140100 283 7,575 SH   SOLE   7,575 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 214 1,516 SH   SOLE   1,516 0 0
ISHARES TR 0-3 MNTH TREASRY 46436E718 3,337 33,334 SH   SOLE   33,334 0 0
ISHARES TR CORE MSCI EAFE 46432F842 8,884 150,960 SH   SOLE   150,960 0 0
ISHARES TR CORE S&P SCP ETF 464287804 626 6,770 SH   SOLE   6,770 0 0
ISHARES TR CORE S&P500 ETF 464287200 886 2,336 SH   SOLE   2,336 0 0
ISHARES TR INTL EQTY FACTOR 46434V274 3,273 139,086 SH   SOLE   139,086 0 0
ISHARES TR MSCI EAFE ETF 464287465 598 9,568 SH   SOLE   9,568 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 378 9,430 SH   SOLE   9,430 0 0
ISHARES TR MSCI USA MMENTM 46432F396 4,948 36,281 SH   SOLE   36,281 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 7,681 68,742 SH   SOLE   68,742 0 0
ISHARES TR MSCI USA VALUE 46432F388 1,935 21,379 SH   SOLE   21,379 0 0
ISHARES TR NATIONAL MUN ETF 464288414 637 5,989 SH   SOLE   5,989 0 0
JOHNSON & JOHNSON COM 478160104 204 1,149 SH   SOLE   1,149 0 0
JPMORGAN CHASE & CO COM 46625H100 4,600 40,846 SH   SOLE   40,846 0 0
KINROSS GOLD CORP COM 496902404 54 15,000 SH   SOLE   15,000 0 0
LOWES COS INC COM 548661107 547 3,132 SH   SOLE   3,132 0 0
META PLATFORMS INC CL A 30303M102 211 1,308 SH   SOLE   1,308 0 0
MICROSOFT CORP COM 594918104 14,392 56,035 SH   SOLE   56,035 0 0
MONDELEZ INTL INC CL A 609207105 3,005 48,397 SH   SOLE   48,397 0 0
MOSAIC CO NEW COM 61945C103 1,831 38,762 SH   SOLE   38,762 0 0
NETFLIX INC COM 64110L106 330 1,888 SH   SOLE   1,888 0 0
NEW FOUND GOLD CORP COM 64440N103 112 25,000 SH   SOLE   25,000 0 0
NMI HLDGS INC CL A 629209305 1,743 104,702 SH   SOLE   104,702 0 0
OLD REP INTL CORP COM 680223104 261 11,655 SH   SOLE   11,655 0 0
PAYCHEX INC COM 704326107 223 1,954 SH   SOLE   1,954 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467 1,004 11,757 SH   SOLE   11,757 0 0
QUALCOMM INC COM 747525103 204 1,600 SH   SOLE   1,600 0 0
REPUBLIC SVCS INC COM 760759100 202 1,543 SH   SOLE   1,543 0 0
ROSS STORES INC COM 778296103 2,213 31,510 SH   SOLE   31,510 0 0
SCHWAB CHARLES CORP COM 808513105 3,110 49,226 SH   SOLE   49,226 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,638 37,062 SH   SOLE   37,062 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 7,141 113,844 SH   SOLE   113,844 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 209 3,750 SH   SOLE   3,750 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1,783 56,706 SH   SOLE   56,706 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 517 3,757 SH   SOLE   3,757 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 381 3,000 SH   SOLE   3,000 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 754 1,999 SH   SOLE   1,999 0 0
SPROTT PHYSICAL GOLD & SILVE TR UNIT 85208R101 723 43,000 SH   SOLE   43,000 0 0
SPROTT PHYSICAL GOLD TR UNIT 85207H104 151 10,660 SH   SOLE   10,660 0 0
SPROTT PHYSICAL PLAT PALLAD UNIT 85207Q104 473 35,800 SH   SOLE   35,800 0 0
SPROTT PHYSICAL SILVER TR TR UNIT 85207K107 863 125,000 SH   SOLE   125,000 0 0
TESLA INC COM 88160R101 832 1,236 SH   SOLE   1,236 0 0
TEXTRON INC COM 883203101 3,087 50,551 SH   SOLE   50,551 0 0
T-MOBILE US INC COM 872590104 4,540 33,741 SH   SOLE   33,741 0 0
UNION PAC CORP COM 907818108 203 954 SH   SOLE   954 0 0
UNITEDHEALTH GROUP INC COM 91324P102 9,613 18,716 SH   SOLE   18,716 0 0
VALVOLINE INC COM 92047W101 2,489 86,335 SH   SOLE   86,335 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 1,232 6,257 SH   SOLE   6,257 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 683 1,970 SH   SOLE   1,970 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 785 5,475 SH   SOLE   5,475 0 0