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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ENBRIDGE INC COM 29250N105   8,487 209 SH   SOLE   0 0 209
MCDONALDS CORP COM 580135101   193,518 636 SH   SOLE   0 0 636
ISHARES TR S&P 500 VAL ETF 464287408   74,292 377 SH   SOLE   0 0 377
WASTE MGMT INC DEL COM 94106L109   13,494 65 SH   SOLE   0 0 65
FASTENAL CO COM 311900104   4,071 57 SH   SOLE   0 0 57
WELLTOWER INC COM 95040Q104   5,377 42 SH   SOLE   0 0 42
ELI LILLY & CO COM 532457108   561,528 634 SH   SOLE   0 0 634
MOODYS CORP COM 615369105   3,797 8 SH   SOLE   0 0 8
WEATHERFORD INTL PLC ORD SHS G48833118   1,104 13 SH   SOLE   0 0 13
ISHARES TR RUS 1000 GRW ETF 464287614   906,841 2,416 SH   SOLE   0 0 2,416
RIO TINTO PLC SPONSORED ADR 767204100   53 1 SH   SOLE   0 0 1
TEVA PHARMACEUTICAL INDS LTD SPONSORED ADS 881624209   18,020 1,000 SH   SOLE   0 0 1,000
HERSHEY CO COM 427866108   21,096 110 SH   SOLE   0 0 110
GENERAL DYNAMICS CORP COM 369550108   10,879 36 SH   SOLE   0 0 36
SCIENCE APPLICATIONS INTL CO COM 808625107   20,826 150 SH   SOLE   0 0 150
GOLDMAN SACHS GROUP INC COM 38141G104   75,032 152 SH   SOLE   0 0 152
CHARTER COMMUNICATIONS INC N CL A 16119P108   25,926 80 SH   SOLE   0 0 80
3M CO COM 88579Y101   547 4 SH   SOLE   0 0 4
SYSCO CORP COM 871829107   92,583 1,186 SH   SOLE   0 0 1,186
MONSTER BEVERAGE CORP NEW COM 61174X109   104 2 SH   SOLE   0 0 2
DOUGLAS EMMETT INC COM 25960P109   2,550 145 SH   SOLE   0 0 145
INTEL CORP COM 458140100   3,519 150 SH   SOLE   0 0 150
INNOVATOR ETFS TRUST US EQTY BUF SEP 45782C664   103,539 2,458 SH   SOLE   0 0 2,458
MONDELEZ INTL INC CL A 609207105   67,064 910 SH   SOLE   0 0 910
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   25,356 146 SH   SOLE   0 0 146
ISHARES TR MSCI EMG MKT ETF 464287234   111,129 2,423 SH   SOLE   0 0 2,423
STARBUCKS CORP COM 855244109   23,427 240 SH   SOLE   0 0 240
SPDR SER TR PORTFOLIO S&P600 78468R853   133,114 2,925 SH   SOLE   0 0 2,925
DOMINION ENERGY INC COM 25746U109   35,931 622 SH   SOLE   0 0 622
ELEVANCE HEALTH INC COM 036752103   206,339 397 SH   SOLE   0 0 397
GRAND CANYON ED INC COM 38526M106   28,370 200 SH   SOLE   0 0 200
SAP SE SPON ADR 803054204   9,622 42 SH   SOLE   0 0 42
ISHARES TR TIPS BD ETF 464287176   11,047 100 SH   SOLE   0 0 100
LIBERTY ALL STAR EQUITY FD SH BEN INT 530158104   257 36 SH   SOLE   0 0 36
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   71,970 6,639 SH   SOLE   0 0 6,639
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   10,042 107 SH   SOLE   0 0 107
NORTHERN LTS FD TR IV INSPIRE 100 ETF 66538H534   87 2 SH   SOLE   0 0 2
BJS WHSL CLUB HLDGS INC COM 05550J101   41,075 498 SH   SOLE   0 0 498
EXXON MOBIL CORP COM 30231G102   247,609 2,112 SH   SOLE   0 0 2,112
BRISTOL-MYERS SQUIBB CO COM 110122108   25,471 492 SH   SOLE   0 0 492
HALLIBURTON CO COM 406216101   1,598 55 SH   SOLE   0 0 55
MERIT MED SYS INC COM 589889104   6,720 68 SH   SOLE   0 0 68
NIO INC SPON ADS 62914V106   100 15 SH   SOLE   0 0 15
LIVE NATION ENTERTAINMENT IN COM 538034109   40,730 372 SH   SOLE   0 0 372
MICROSOFT CORP COM 594918104   1,725,975 4,011 SH   SOLE   0 0 4,011
SHOPIFY INC CL A 82509L107   127,984 1,597 SH   SOLE   0 0 1,597
ROBERT HALF INC. COM 770323103   33,705 500 SH   SOLE   0 0 500
CLOROX CO DEL COM 189054109   652 4 SH   SOLE   0 0 4
SBA COMMUNICATIONS CORP NEW CL A 78410G104   3,129 13 SH   SOLE   0 0 13
ANALOG DEVICES INC COM 032654105   48,306 210 SH   SOLE   0 0 210
ELECTRONIC ARTS INC COM 285512109   35,860 250 SH   SOLE   0 0 250
CISCO SYS INC COM 17275R102   115,098 2,163 SH   SOLE   0 0 2,163
PINNACLE FINL PARTNERS INC COM 72346Q104   3,135 32 SH   SOLE   0 0 32
ISHARES TR RUS MD CP GR ETF 464287481   76,440 652 SH   SOLE   0 0 652
ALPHABET INC CAP STK CL C 02079K107   1,094,792 6,548 SH   SOLE   0 0 6,548
BROWN & BROWN INC COM 115236101   2,590 25 SH   SOLE   0 0 25
MARSH & MCLENNAN COS INC COM 571748102   892 4 SH   SOLE   0 0 4
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   94,683 419 SH   SOLE   0 0 419
NORTHROP GRUMMAN CORP COM 666807102   431,961 818 SH   SOLE   0 0 818
ZIMMER BIOMET HOLDINGS INC COM 98956P102   10 0 SH   SOLE   0 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   15,795 300 SH   SOLE   0 0 300
OCCIDENTAL PETE CORP *W EXP 08/03/202 674599162   3,299 111 SH   SOLE   0 0 111
AUTODESK INC COM 052769106   6,887 25 SH   SOLE   0 0 25
GILEAD SCIENCES INC COM 375558103   63,127 753 SH   SOLE   0 0 753
MORGAN STANLEY COM NEW 617446448   133,097 1,277 SH   SOLE   0 0 1,277
FORTIS INC COM 349553107   1,318 29 SH   SOLE   0 0 29
MOLINA HEALTHCARE INC COM 60855R100   689 2 SH   SOLE   0 0 2
HUMANA INC COM 444859102   23,756 75 SH   SOLE   0 0 75
S&P GLOBAL INC COM 78409V104   9,299 18 SH   SOLE   0 0 18
CANADIAN PACIFIC KANSAS CITY COM 13646K108   6,843 80 SH   SOLE   0 0 80
BROADCOM INC COM 11135F101   126,712 735 SH   SOLE   0 0 735
RYDER SYS INC COM 783549108   11,121 76 SH   SOLE   0 0 76
AXON ENTERPRISE INC COM 05464C101   59,940 150 SH   SOLE   0 0 150
KKR & CO INC COM 48251W104   392 3 SH   SOLE   0 0 3
WARNER BROS DISCOVERY INC COM SER A 934423104   792 96 SH   SOLE   0 0 96
ISHARES INC JP MORGAN EM ETF 464286517   3,353 87 SH   SOLE   0 0 87
HOME DEPOT INC COM 437076102   168,298 415 SH   SOLE   0 0 415
BLOCK H & R INC COM 093671105   6,164 97 SH   SOLE   0 0 97
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756   7,046 113 SH   SOLE   0 0 113
ALIGN TECHNOLOGY INC COM 016255101   1,272 5 SH   SOLE   0 0 5
ISHARES TR CORE S&P500 ETF 464287200   71,164 123 SH   SOLE   0 0 123
WHEATON PRECIOUS METALS CORP COM 962879102   8,246 135 SH   SOLE   0 0 135
TOTALENERGIES SE SPONSORED ADS 89151E109   13,699 212 SH   SOLE   0 0 212
SHELL PLC SPON ADS 780259305   17,045 258 SH   SOLE   0 0 258
WABTEC COM 929740108   18,541 102 SH   SOLE   0 0 102
ON SEMICONDUCTOR CORP COM 682189105   1,089 15 SH   SOLE   0 0 15
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   28,224,566 751,453 SH   SOLE   0 0 751,453
MEDTRONIC PLC SHS G5960L103   450 5 SH   SOLE   0 0 5
ABERCROMBIE & FITCH CO CL A 002896207   9,933 71 SH   SOLE   0 0 71
KINDER MORGAN INC DEL COM 49456B101   8,173 370 SH   SOLE   0 0 370
LAMAR ADVERTISING CO NEW CL A 512816109   2,405 18 SH   SOLE   0 0 18
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   31,770 632 SH   SOLE   0 0 632
INTERNATIONAL FLAVORS&FRAGRA COM 459506101   2,108 20 SH   SOLE   0 0 20
OGE ENERGY CORP COM 670837103   20,510 500 SH   SOLE   0 0 500
SPDR SER TR PORTFOLI S&P1500 78464A805   50,614 722 SH   SOLE   0 0 722
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   14,912 348 SH   SOLE   0 0 348
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   3,910,933 47,069 SH   SOLE   0 0 47,069
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   311,136 676 SH   SOLE   0 0 676
PENTAIR PLC SHS G7S00T104   303 3 SH   SOLE   0 0 3
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715   31,072 966 SH   SOLE   0 0 966
ONEOK INC NEW COM 682680103   1,367 15 SH   SOLE   0 0 15
ISHARES TR IBOXX HI YD ETF 464288513   90,035 1,121 SH   SOLE   0 0 1,121
ISHARES TR CONSER ALLOC ETF 464289883   8,865 229 SH   SOLE   0 0 229
ARCH CAP GROUP LTD ORD G0450A105   2,909 26 SH   SOLE   0 0 26
ISHARES TR MSCI USA ESG SLC 464288802   78,590 653 SH   SOLE   0 0 653
MARRIOTT VACATIONS WORLDWIDE COM 57164Y107   14,843 202 SH   SOLE   0 0 202
SONY GROUP CORP SPONSORED ADR 835699307   10,623 110 SH   SOLE   0 0 110
HONEYWELL INTL INC COM 438516106   28,558 138 SH   SOLE   0 0 138
CARNIVAL CORP UNIT 99/99/9999 143658300   85,100 4,605 SH   SOLE   0 0 4,605
BANK NEW YORK MELLON CORP COM 064058100   287 4 SH   SOLE   0 0 4
MURPHY OIL CORP COM 626717102   26,992 800 SH   SOLE   0 0 800
T-MOBILE US INC COM 872590104   9,080 44 SH   SOLE   0 0 44
BLACKROCK INC COM 09247X101   36,778 39 SH   SOLE   0 0 39
MSCI INC COM 55354G100   2,915 5 SH   SOLE   0 0 5
ISHARES TR US INDUSTRIALS 464287754   55,271 413 SH   SOLE   0 0 413
RPM INTL INC COM 749685103   4 0 SH   SOLE   0 0 0
HCA HEALTHCARE INC COM 40412C101   10,567 26 SH   SOLE   0 0 26
SIMON PPTY GROUP INC NEW COM 828806109   676 4 SH   SOLE   0 0 4
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 26 46138J635   155,922 6,648 SH   SOLE   0 0 6,648
GARTNER INC COM 366651107   6,588 13 SH   SOLE   0 0 13
MOELIS & CO CL A 60786M105   26,486 387 SH   SOLE   0 0 387
EAST WEST BANCORP INC COM 27579R104   2,317 28 SH   SOLE   0 0 28
ENOVIS CORPORATION COM 194014502   43 1 SH   SOLE   0 0 1
NORDSTROM INC COM 655664100   2,850 127 SH   SOLE   0 0 127
M & T BK CORP COM 55261F104   6,590 37 SH   SOLE   0 0 37
CONSTELLATION BRANDS INC CL A 21036P108   258 1 SH   SOLE   0 0 1
TRI POINTE HOMES INC COM 87265H109   45,310 1,000 SH   SOLE   0 0 1,000
KIMBERLY-CLARK CORP COM 494368103   46,952 330 SH   SOLE   0 0 330
CLEAN HARBORS INC COM 184496107   3,867 16 SH   SOLE   0 0 16
PIMCO ETF TR 15+ YR US TIPS 72201R304   11,550 200 SH   SOLE   0 0 200
WALMART INC COM 931142103   86,063 1,066 SH   SOLE   0 0 1,066
PHILIP MORRIS INTL INC COM 718172109   57,763 476 SH   SOLE   0 0 476
UNDER ARMOUR INC CL C 904311206   2,508 300 SH   SOLE   0 0 300
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852   19,765 406 SH   SOLE   0 0 406
LABCORP HOLDINGS INC COM SHS 504922105   223 1 SH   SOLE   0 0 1
ISHARES TR CORE INTL AGGR 46435G672   31,802 614 SH   SOLE   0 0 614
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266   1,748,368 44,522 SH   SOLE   0 0 44,522
NEXTERA ENERGY PARTNERS LP COM UNIT PART IN 65341B106   5,056 183 SH   SOLE   0 0 183
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   630,729 21,615 SH   SOLE   0 0 21,615
TJX COS INC NEW COM 872540109   15,750 134 SH   SOLE   0 0 134
EXPEDITORS INTL WASH INC COM 302130109   263 2 SH   SOLE   0 0 2
KLA CORP COM NEW 482480100   8,519 11 SH   SOLE   0 0 11
HESS CORP COM 42809H107   1,086 8 SH   SOLE   0 0 8
ISHARES TR CORE S&P TTL STK 464287150   475,903 3,788 SH   SOLE   0 0 3,788
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C656   284,737 7,390 SH   SOLE   0 0 7,390
DUKE ENERGY CORP NEW COM NEW 26441C204   37,703 327 SH   SOLE   0 0 327
ALTRIA GROUP INC COM 02209S103   28 1 SH   SOLE   0 0 1
SPDR SER TR PRTFLO S&P500 GW 78464A409   56,070,527 676,037 SH   SOLE   0 0 676,037
OCCIDENTAL PETE CORP COM 674599105   45,934 891 SH   SOLE   0 0 891
NIKE INC CL B 654106103   1,945 22 SH   SOLE   0 0 22
CACI INTL INC CL A 127190304   24,219 48 SH   SOLE   0 0 48
FREEPORT-MCMORAN INC CL B 35671D857   901 18 SH   SOLE   0 0 18
VERIZON COMMUNICATIONS INC COM 92343V104   56,587 1,260 SH   SOLE   0 0 1,260
CINTAS CORP COM 172908105   824 4 SH   SOLE   0 0 4
CARDINAL HEALTH INC COM 14149Y108   67,294 609 SH   SOLE   0 0 609
VANGUARD INDEX FDS SMALL CP ETF 922908751   60,019 253 SH   SOLE   0 0 253
ESSEX PPTY TR INC COM 297178105   2,686 9 SH   SOLE   0 0 9
MGIC INVT CORP WIS COM 552848103   3,200 125 SH   SOLE   0 0 125
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 HY 46138J817   154,351 6,676 SH   SOLE   0 0 6,676
METLIFE INC COM 59156R108   46,802 567 SH   SOLE   0 0 567
HOLOGIC INC COM 436440101   733 9 SH   SOLE   0 0 9
AMCOR PLC ORD G0250X107   147 13 SH   SOLE   0 0 13
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101   13,346 381 SH   SOLE   0 0 381
STRYKER CORPORATION COM 863667101   12,674 35 SH   SOLE   0 0 35
MERCK & CO INC COM 58933Y105   43,104 380 SH   SOLE   0 0 380
BLACKROCK FLOATING RATE INC COM 091941104   204,128 15,775 SH   SOLE   0 0 15,775
CHEVRON CORP NEW COM 166764100   63,865 434 SH   SOLE   0 0 434
ISHARES TR JPMORGAN USD EMG 464288281   9,600 103 SH   SOLE   0 0 103
AFLAC INC COM 001055102   1,006 9 SH   SOLE   0 0 9
MERCADOLIBRE INC COM 58733R102   184,676 90 SH   SOLE   0 0 90
ISHARES TR CORE US AGGBD ET 464287226   163,629 1,616 SH   SOLE   0 0 1,616
HILTON GRAND VACATIONS INC COM 43283X105   25,424 700 SH   SOLE   0 0 700
ROYAL BK CDA COM 780087102   15,467 124 SH   SOLE   0 0 124
NUCOR CORP COM 670346105   52,018 346 SH   SOLE   0 0 346
SHERWIN WILLIAMS CO COM 824348106   3,817 10 SH   SOLE   0 0 10
FERGUSON ENTERPRISES INC COMMON STOCK NEW 31488V107   40,316 203 SH   SOLE   0 0 203
BOOKING HOLDINGS INC COM 09857L108   4,212 1 SH   SOLE   0 0 1
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763   3,550,405 59,601 SH   SOLE   0 0 59,601
CITIZENS FINL GROUP INC COM 174610105   329 8 SH   SOLE   0 0 8
GENUINE PARTS CO COM 372460105   6,705 48 SH   SOLE   0 0 48
ALCOA CORP COM 013872106   1,620 42 SH   SOLE   0 0 42
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   733,209 4,029 SH   SOLE   0 0 4,029
NETFLIX INC COM 64110L106   117,030 165 SH   SOLE   0 0 165
PRUDENTIAL FINL INC COM 744320102   7,543 62 SH   SOLE   0 0 62
DR REDDYS LABS LTD ADR 256135203   16,287 205 SH   SOLE   0 0 205
GENMAB A/S SPONSORED ADS 372303206   1,317 54 SH   SOLE   0 0 54
ECOLAB INC COM 278865100   3,321 13 SH   SOLE   0 0 13
WERNER ENTERPRISES INC COM 950755108   12 0 SH   SOLE   0 0 0
BUILDERS FIRSTSOURCE INC COM 12008R107   38,772 200 SH   SOLE   0 0 200
FORD MTR CO COM 345370860   32,925 3,118 SH   SOLE   0 0 3,118
NOVO-NORDISK A S ADR 670100205   16,194 136 SH   SOLE   0 0 136
CROWN HLDGS INC COM 228368106   3,739 39 SH   SOLE   0 0 39
RTX CORPORATION COM 75513E101   8,118 67 SH   SOLE   0 0 67
CHUBB LIMITED COM H1467J104   22,282 77 SH   SOLE   0 0 77
ISHARES TR U.S. BAS MTL ETF 464287838   50,380 336 SH   SOLE   0 0 336
DOW INC COM 260557103   34,742 636 SH   SOLE   0 0 636
TILRAY BRANDS INC COM 88688T100   4 2 SH   SOLE   0 0 2
LENNAR CORP CL A 526057104   10,311 55 SH   SOLE   0 0 55
VERISK ANALYTICS INC COM 92345Y106   4,555 17 SH   SOLE   0 0 17
AMAZON COM INC COM 023135106   571,847 3,069 SH   SOLE   0 0 3,069
ISHARES INC MSCI EMRG CHN 46434G764   100,060 1,637 SH   SOLE   0 0 1,637
AMGEN INC COM 031162100   15,144 47 SH   SOLE   0 0 47
PROGRESSIVE CORP COM 743315103   9,901 39 SH   SOLE   0 0 39
MARTIN MARIETTA MATLS INC COM 573284106   4,844 9 SH   SOLE   0 0 9
ATLASSIAN CORPORATION CL A 049468101   47,643 300 SH   SOLE   0 0 300
PACCAR INC COM 693718108   5,033 51 SH   SOLE   0 0 51
TRAVELERS COMPANIES INC COM 89417E109   5,619 24 SH   SOLE   0 0 24
CONSOLIDATED EDISON INC COM 209115104   1,562 15 SH   SOLE   0 0 15
ILLINOIS TOOL WKS INC COM 452308109   5,794 22 SH   SOLE   0 0 22
KROGER CO COM 501044101   43,729 763 SH   SOLE   0 0 763
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   111,558 2,746 SH   SOLE   0 0 2,746
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   50,610 143 SH   SOLE   0 0 143
SERVICENOW INC COM 81762P102   15,205 17 SH   SOLE   0 0 17
MCKESSON CORP COM 58155Q103   148,678 301 SH   SOLE   0 0 301
TESLA INC COM 88160R101   283,084 1,082 SH   SOLE   0 0 1,082
TRANSDIGM GROUP INC COM 893641100   5,709 4 SH   SOLE   0 0 4
COSTCO WHSL CORP NEW COM 22160K105   293,781 331 SH   SOLE   0 0 331
TOYOTA MOTOR CORP ADS 892331307   12,500 70 SH   SOLE   0 0 70
LINDE PLC SHS G54950103   76,196 160 SH   SOLE   0 0 160
FULTON FINL CORP PA COM 360271100   2,054 113 SH   SOLE   0 0 113
CUMMINS INC COM 231021106   971 3 SH   SOLE   0 0 3
BROOKFIELD ASSET MANAGMT LTD CL A LMT VTG SHS 113004105   13,052 276 SH   SOLE   0 0 276
ISHARES TR RUS MID CAP ETF 464287499   559,618 6,349 SH   SOLE   0 0 6,349
BOEING CO COM 097023105   106,371 700 SH   SOLE   0 0 700
SYNCHRONY FINANCIAL COM 87165B103   2,843 57 SH   SOLE   0 0 57
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 HY 46138J833   15 1 SH   SOLE   0 0 1
COLGATE PALMOLIVE CO COM 194162103   41,883 403 SH   SOLE   0 0 403
UNITEDHEALTH GROUP INC COM 91324P102   118,759 203 SH   SOLE   0 0 203
NVIDIA CORPORATION COM 67066G104   849,717 6,997 SH   SOLE   0 0 6,997
YUM BRANDS INC COM 988498101   699 5 SH   SOLE   0 0 5
ROYAL CARIBBEAN GROUP COM V7780T103   125,571 708 SH   SOLE   0 0 708
COCA COLA CO COM 191216100   293,583 4,085 SH   SOLE   0 0 4,085
SOUTHERN CO COM 842587107   8,928 99 SH   SOLE   0 0 99
ANTERO RESOURCES CORP COM 03674X106   2,865 100 SH   SOLE   0 0 100
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   1,473,303 35,587 SH   SOLE   0 0 35,587
UNILEVER PLC SPON ADR NEW 904767704   13,252 204 SH   SOLE   0 0 204
AMETEK INC COM 031100100   515 3 SH   SOLE   0 0 3
SKYWORKS SOLUTIONS INC COM 83088M102   988 10 SH   SOLE   0 0 10
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   6,392,810 134,529 SH   SOLE   0 0 134,529
INNOVATOR ETFS TRUST US EQTY ULTRA B 45782C649   93,103 2,680 SH   SOLE   0 0 2,680
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   12,460 1,224 SH   SOLE   0 0 1,224
CHIPOTLE MEXICAN GRILL INC COM 169656105   8,643 150 SH   SOLE   0 0 150
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   45,371 211 SH   SOLE   0 0 211
ARCHER DANIELS MIDLAND CO COM 039483102   358 6 SH   SOLE   0 0 6
CBRE GROUP INC CL A 12504L109   7,095 57 SH   SOLE   0 0 57
ISHARES TR EAFE SML CP ETF 464288273   1,936,842 28,609 SH   SOLE   0 0 28,609
SCHWAB CHARLES CORP COM 808513105   6,481 100 SH   SOLE   0 0 100
VISA INC COM CL A 92826C839   30,519 111 SH   SOLE   0 0 111
ISHARES TR S&P 100 ETF 464287101   191,972 694 SH   SOLE   0 0 694
CROWN CASTLE INC COM 22822V101   356 3 SH   SOLE   0 0 3
NRG ENERGY INC COM NEW 629377508   8,655 95 SH   SOLE   0 0 95
IQVIA HLDGS INC COM 46266C105   237 1 SH   SOLE   0 0 1
TEXAS INSTRS INC COM 882508104   6,610 32 SH   SOLE   0 0 32
ESAB CORPORATION COM 29605J106   2,978 28 SH   SOLE   0 0 28
ORACLE CORP COM 68389X105   44,439 261 SH   SOLE   0 0 261
NATIONAL GRID PLC SPONSORED ADR NE 636274409   17,717 254 SH   SOLE   0 0 254
ZOETIS INC CL A 98978V103   586 3 SH   SOLE   0 0 3
PFIZER INC COM 717081103   82,836 2,862 SH   SOLE   0 0 2,862
PPL CORP COM 69351T106   7,797 236 SH   SOLE   0 0 236
BAKER HUGHES COMPANY CL A 05722G100   1,663 46 SH   SOLE   0 0 46
US FOODS HLDG CORP COM 912008109   3,752 61 SH   SOLE   0 0 61
ISHARES TR 20 YR TR BD ETF 464287432   11,484 117 SH   SOLE   0 0 117
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   55 1 SH   SOLE   0 0 1
ISHARES TR US TECH BRKTHR 46436E502   5,235 102 SH   SOLE   0 0 102
CHURCH & DWIGHT CO INC COM 171340102   2,618 25 SH   SOLE   0 0 25
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   48,372,126 674,082 SH   SOLE   0 0 674,082
BCE INC COM NEW 05534B760   4,768 137 SH   SOLE   0 0 137
FISERV INC COM 337738108   8,444 47 SH   SOLE   0 0 47
UFP INDUSTRIES INC COM 90278Q108   3,018 23 SH   SOLE   0 0 23
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   12 0 SH   SOLE   0 0 0
MASTERCARD INCORPORATED CL A 57636Q104   108,606 220 SH   SOLE   0 0 220
BALL CORP COM 058498106   99,013 1,458 SH   SOLE   0 0 1,458
CHORD ENERGY CORPORATION COM NEW 674215207   20,610 158 SH   SOLE   0 0 158
WATERS CORP COM 941848103   6,838 19 SH   SOLE   0 0 19
AGNICO EAGLE MINES LTD COM 008474108   9,587 119 SH   SOLE   0 0 119
SALESFORCE INC COM 79466L302   77,660 284 SH   SOLE   0 0 284
MARATHON PETE CORP COM 56585A102   236,289 1,450 SH   SOLE   0 0 1,450
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109   5,995 39 SH   SOLE   0 0 39
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   20,478 600 SH   SOLE   0 0 600
EATON CORP PLC SHS G29183103   663 2 SH   SOLE   0 0 2
EQUINIX INC COM 29444U700   5,326 6 SH   SOLE   0 0 6
MICRON TECHNOLOGY INC COM 595112103   7,474 72 SH   SOLE   0 0 72
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   155,891 1,747 SH   SOLE   0 0 1,747
WILLIAMS COS INC COM 969457100   4,565 100 SH   SOLE   0 0 100
MARRIOTT INTL INC NEW CL A 571903202   512,949 2,063 SH   SOLE   0 0 2,063
DISNEY WALT CO COM 254687106   71,856 747 SH   SOLE   0 0 747
GE VERNOVA INC COM 36828A101   6,884 27 SH   SOLE   0 0 27
UDR INC COM 902653104   168 4 SH   SOLE   0 0 4
UNITED AIRLS HLDGS INC COM 910047109   3,709 65 SH   SOLE   0 0 65
OMNICOM GROUP INC COM 681919106   1,667 16 SH   SOLE   0 0 16
GARMIN LTD SHS H2906T109   107,693 612 SH   SOLE   0 0 612
ALBANY INTL CORP CL A 012348108   3,021 34 SH   SOLE   0 0 34
ATMOS ENERGY CORP COM 049560105   416 3 SH   SOLE   0 0 3
ISHARES TR MODERT ALLOC ETF 464289875   5,266 117 SH   SOLE   0 0 117
TRACTOR SUPPLY CO COM 892356106   11,145 38 SH   SOLE   0 0 38
HUBBELL INC COM 443510607   3,427 8 SH   SOLE   0 0 8
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   5,123,790 124,606 SH   SOLE   0 0 124,606
DIAGEO PLC SPON ADR NEW 25243Q205   3,123 22 SH   SOLE   0 0 22
INNOVATOR ETFS TRUST INVATR 20 PLS 9 45782C235   26,043 1,240 SH   SOLE   0 0 1,240
INVITATION HOMES INC COM 46187W107   338 10 SH   SOLE   0 0 10
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C813   40,480 1,000 SH   SOLE   0 0 1,000
SPDR SER TR S&P 600 SMCP VAL 78464A300   193,843 2,233 SH   SOLE   0 0 2,233
ABBVIE INC COM 00287Y109   278,927 1,412 SH   SOLE   0 0 1,412
VERTEX PHARMACEUTICALS INC COM 92532F100   163,708 352 SH   SOLE   0 0 352
CORNING INC COM 219350105   8,375 185 SH   SOLE   0 0 185
HILTON WORLDWIDE HLDGS INC COM 43300A203   10,834 47 SH   SOLE   0 0 47
ASTRAZENECA PLC SPONSORED ADR 046353108   11,609 149 SH   SOLE   0 0 149
IDEXX LABS INC COM 45168D104   505 1 SH   SOLE   0 0 1
PUBLIC STORAGE OPER CO COM 74460D109   80,011 220 SH   SOLE   0 0 220
CBOE GLOBAL MKTS INC COM 12503M108   615 3 SH   SOLE   0 0 3
VANGUARD INDEX FDS MID CAP ETF 922908629   6,113 23 SH   SOLE   0 0 23
GE AEROSPACE COM NEW 369604301   98,638 523 SH   SOLE   0 0 523
SPDR SER TR PRTFLO S&P500 VL 78464A508   13,330,148 252,178 SH   SOLE   0 0 252,178
HSBC HLDGS PLC SPON ADR NEW 404280406   14,009 310 SH   SOLE   0 0 310
ROPER TECHNOLOGIES INC COM 776696106   6,129 11 SH   SOLE   0 0 11
BANK AMERICA CORP COM 060505104   99,279 2,502 SH   SOLE   0 0 2,502
LAM RESEARCH CORP COM 512807108   2,448 3 SH   SOLE   0 0 3
AON PLC SHS CL A G0403H108   1,038 3 SH   SOLE   0 0 3
ISHARES TR GRWT ALLOCAT ETF 464289867   137,056 2,314 SH   SOLE   0 0 2,314
CULLEN FROST BANKERS INC COM 229899109   92,343 826 SH   SOLE   0 0 826
DOLLAR GEN CORP NEW COM 256677105   1 0 SH   SOLE   0 0 0
CONOCOPHILLIPS COM 20825C104   30,763 292 SH   SOLE   0 0 292
JPMORGAN CHASE & CO. COM 46625H100   806,051 3,823 SH   SOLE   0 0 3,823
ENTERGY CORP NEW COM 29364G103   395 3 SH   SOLE   0 0 3
JOHNSON & JOHNSON COM 478160104   120,838 746 SH   SOLE   0 0 746
CIENA CORP COM NEW 171779309   1,725 28 SH   SOLE   0 0 28
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   53,593 1,183 SH   SOLE   0 0 1,183
VULCAN MATLS CO COM 929160109   2,254 9 SH   SOLE   0 0 9
UNITED PARCEL SERVICE INC CL B 911312106   6,953 51 SH   SOLE   0 0 51
DUPONT DE NEMOURS INC COM 26614N102   13,264 149 SH   SOLE   0 0 149
AKAMAI TECHNOLOGIES INC COM 00971T101   2,120 21 SH   SOLE   0 0 21
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,955,403 18,769 SH   SOLE   0 0 18,769
PEPSICO INC COM 713448108   87,481 514 SH   SOLE   0 0 514
AIR PRODS & CHEMS INC COM 009158106   47,341 159 SH   SOLE   0 0 159
ARISTA NETWORKS INC COM 040413106   307,056 800 SH   SOLE   0 0 800
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   27,259 433 SH   SOLE   0 0 433
ALLSTATE CORP COM 020002101   190 1 SH   SOLE   0 0 1
PROCTER AND GAMBLE CO COM 742718109   181,474 1,048 SH   SOLE   0 0 1,048
AMERICAN TOWER CORP NEW COM 03027X100   65,990 284 SH   SOLE   0 0 284
PROLOGIS INC. COM 74340W103   70,118 555 SH   SOLE   0 0 555
ISHARES TR RUSSELL 2000 ETF 464287655   34,670 157 SH   SOLE   0 0 157
REGIONS FINANCIAL CORP NEW COM 7591EP100   3,126 134 SH   SOLE   0 0 134
PAN AMERN SILVER CORP COM 697900108   3,318 159 SH   SOLE   0 0 159
THERMO FISHER SCIENTIFIC INC COM 883556102   4,331 7 SH   SOLE   0 0 7
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,886,968 38,437 SH   SOLE   0 0 38,437
VERISIGN INC COM 92343E102   760 4 SH   SOLE   0 0 4
INTUIT COM 461202103   11,195 18 SH   SOLE   0 0 18
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   17,029 256 SH   SOLE   0 0 256
PRICE T ROWE GROUP INC COM 74144T108   436 4 SH   SOLE   0 0 4
SYNOPSYS INC COM 871607107   8,609 17 SH   SOLE   0 0 17
AUTOMATIC DATA PROCESSING IN COM 053015103   244,629 884 SH   SOLE   0 0 884
XYLEM INC COM 98419M100   270 2 SH   SOLE   0 0 2
COPART INC COM 217204106   3,878 74 SH   SOLE   0 0 74
EDISON INTL COM 281020107   352 4 SH   SOLE   0 0 4
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   84,604 1,247 SH   SOLE   0 0 1,247
MARATHON OIL CORP COM 565849106   16,644 625 SH   SOLE   0 0 625
EXELON CORP COM 30161N101   284 7 SH   SOLE   0 0 7
NORFOLK SOUTHN CORP COM 655844108   24,227 97 SH   SOLE   0 0 97
AVALONBAY CMNTYS INC COM 053484101   455 2 SH   SOLE   0 0 2
DEERE & CO COM 244199105   835 2 SH   SOLE   0 0 2
SPDR SER TR BLOOMBERG EMG MK 78468R515   35,735 1,423 SH   SOLE   0 0 1,423
EQUINOR ASA SPONSORED ADR 29446M102   31,229 1,233 SH   SOLE   0 0 1,233
COMCAST CORP NEW CL A 20030N101   34,942 837 SH   SOLE   0 0 837
INTUITIVE SURGICAL INC COM NEW 46120E602   204,860 417 SH   SOLE   0 0 417
NEWMARKET CORP COM 651587107   2,208 4 SH   SOLE   0 0 4
ASML HOLDING N V N Y REGISTRY SHS N07059210   10,832 13 SH   SOLE   0 0 13
META PLATFORMS INC CL A 30303M102   61,262 107 SH   SOLE   0 0 107
EOG RES INC COM 26875P101   5,569 45 SH   SOLE   0 0 45
ALPS ETF TR ALERIAN MLP 00162Q452   1,289 27 SH   SOLE   0 0 27
ADVANCED MICRO DEVICES INC COM 007903107   21,166 129 SH   SOLE   0 0 129
CVS HEALTH CORP COM 126650100   32,458 516 SH   SOLE   0 0 516
ISHARES TR US SML CAP EQT 46434V290   16,404,676 247,245 SH   SOLE   0 0 247,245
WEST PHARMACEUTICAL SVSC INC COM 955306105   300 1 SH   SOLE   0 0 1
THE CIGNA GROUP COM 125523100   2,772 8 SH   SOLE   0 0 8
PULTE GROUP INC COM 745867101   8,468 59 SH   SOLE   0 0 59
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719   40 2 SH   SOLE   0 0 2
APPLIED MATLS INC COM 038222105   144,466 715 SH   SOLE   0 0 715
NEXTERA ENERGY INC COM 65339F101   26,796 317 SH   SOLE   0 0 317
GENERAL MLS INC COM 370334104   5,139 70 SH   SOLE   0 0 70
BROOKFIELD CORP CL A LTD VT SH 11271J107   12,703 239 SH   SOLE   0 0 239
BRIGHTHOUSE FINL INC COM 10922N103   2,116 47 SH   SOLE   0 0 47
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   11,231 272 SH   SOLE   0 0 272
SELECT SECTOR SPDR TR ENERGY 81369Y506   156,274 1,780 SH   SOLE   0 0 1,780
ISHARES TR NATIONAL MUN ETF 464288414   8,896,767 81,900 SH   SOLE   0 0 81,900
ADOBE INC COM 00724F101   18,640 36 SH   SOLE   0 0 36
SPDR SER TR PORTFLI HIGH YLD 78468R606   35,926 1,494 SH   SOLE   0 0 1,494
FIFTH THIRD BANCORP COM 316773100   258 6 SH   SOLE   0 0 6
CARMAX INC COM 143130102   11,452 148 SH   SOLE   0 0 148
ABBOTT LABS COM 002824100   78,660 690 SH   SOLE   0 0 690
DIGITAL RLTY TR INC COM 253868103   4,208 26 SH   SOLE   0 0 26
ALPHABET INC CAP STK CL A 02079K305   733,223 4,421 SH   SOLE   0 0 4,421
DOMINOS PIZZA INC COM 25754A201   4,732 11 SH   SOLE   0 0 11
DIAMONDBACK ENERGY INC COM 25278X109   1,724 10 SH   SOLE   0 0 10
LOCKHEED MARTIN CORP COM 539830109   297,909 510 SH   SOLE   0 0 510
TELUS CORPORATION COM 87971M103   2,198 131 SH   SOLE   0 0 131
REGENERON PHARMACEUTICALS COM 75886F107   10,512 10 SH   SOLE   0 0 10
NATIONAL FUEL GAS CO COM 636180101   49,862 823 SH   SOLE   0 0 823
PGIM ETF TR ACTV HY BD ETF 69344A206   6,112 171 SH   SOLE   0 0 171
DANAHER CORPORATION COM 235851102   8,350 30 SH   SOLE   0 0 30
SMITH A O CORP COM 831865209   3,324 37 SH   SOLE   0 0 37
MOTOROLA SOLUTIONS INC COM NEW 620076307   1,804 4 SH   SOLE   0 0 4
QUALCOMM INC COM 747525103   25,848 152 SH   SOLE   0 0 152
SPDR S&P 500 ETF TR TR UNIT 78462F103   364,659 636 SH   SOLE   0 0 636
JD.COM INC SPON ADS CL A 47215P106   9,200 230 SH   SOLE   0 0 230
UBER TECHNOLOGIES INC COM 90353T100   8,568 114 SH   SOLE   0 0 114
SNAP ON INC COM 833034101   29,750 103 SH   SOLE   0 0 103
CARETRUST REIT INC COM 14174T107   2,405 78 SH   SOLE   0 0 78
STAG INDL INC COM 85254J102   8 0 SH   SOLE   0 0 0
VALERO ENERGY CORP COM 91913Y100   103,927 770 SH   SOLE   0 0 770
NORWEGIAN CRUISE LINE HLDG L SHS G66721104   2,051 100 SH   SOLE   0 0 100
KNIFE RIVER CORP COMMON STOCK 498894104   1,073 12 SH   SOLE   0 0 12
TARGET CORP COM 87612E106   40,524 260 SH   SOLE   0 0 260
WELLS FARGO CO NEW COM 949746101   22,652 401 SH   SOLE   0 0 401
STRIDE INC COM 86333M108   938 11 SH   SOLE   0 0 11
COLUMBIA SPORTSWEAR CO COM 198516106   4,160 50 SH   SOLE   0 0 50
UNION PAC CORP COM 907818108   357,396 1,450 SH   SOLE   0 0 1,450
ESCO TECHNOLOGIES INC COM 296315104   3,611 28 SH   SOLE   0 0 28
NOVARTIS AG SPONSORED ADR 66987V109   14,723 128 SH   SOLE   0 0 128
APPLE INC COM 037833100   1,038,575 4,457 SH   SOLE   0 0 4,457
ROLLINS INC COM 775711104   303 6 SH   SOLE   0 0 6
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100   2,589 27 SH   SOLE   0 0 27
VICI PPTYS INC COM 925652109   2,099 63 SH   SOLE   0 0 63
DOCUSIGN INC COM 256163106   46,568 750 SH   SOLE   0 0 750
PIPER SANDLER COMPANIES COM 724078100   3,973 14 SH   SOLE   0 0 14
TRANE TECHNOLOGIES PLC SHS G8994E103   6,220 16 SH   SOLE   0 0 16
HOST HOTELS & RESORTS INC COM 44107P104   8,923 507 SH   SOLE   0 0 507
SPDR SER TR PORTFOLIO S&P400 78464A847   19,384,165 354,502 SH   SOLE   0 0 354,502
ROSS STORES INC COM 778296103   1,054 7 SH   SOLE   0 0 7
CAPITAL ONE FINL CORP COM 14040H105   4,342 29 SH   SOLE   0 0 29
IRON MTN INC DEL COM 46284V101   356 3 SH   SOLE   0 0 3
ISHARES TR CORE MSCI EAFE 46432F842   24,331 312 SH   SOLE   0 0 312
VERALTO CORP COM SHS 92338C103   4,367 39 SH   SOLE   0 0 39
CONSTELLATION ENERGY CORP COM 21037T109   11,701 45 SH   SOLE   0 0 45
AMERICAN ELEC PWR CO INC COM 025537101   47,932 467 SH   SOLE   0 0 467
LOWES COS INC COM 548661107   63,569 235 SH   SOLE   0 0 235
FEDEX CORP COM 31428X106   5,474 20 SH   SOLE   0 0 20
SPDR SER TR PORTFOLIO AGRGTE 78464A649   28,108,270 1,075,297 SH   SOLE   0 0 1,075,297
ENTERPRISE PRODS PARTNERS L COM 293792107   3,620 124 SH   SOLE   0 0 124
CATERPILLAR INC COM 149123101   122,531 313 SH   SOLE   0 0 313
TRUIST FINL CORP COM 89832Q109   14,894 348 SH   SOLE   0 0 348
DOLLAR TREE INC COM 256746108   14,767 210 SH   SOLE   0 0 210
AMERICAN WTR WKS CO INC NEW COM 030420103   5,915 40 SH   SOLE   0 0 40
ISHARES TR CORE S&P MCP ETF 464287507   215,829 3,463 SH   SOLE   0 0 3,463
SOUTHWEST AIRLS CO COM 844741108   18,193 614 SH   SOLE   0 0 614
ISHARES TR MSCI ACWI EX US 464288240   69,293 1,211 SH   SOLE   0 0 1,211
REALTY INCOME CORP COM 756109104   17,732 280 SH   SOLE   0 0 280
AT&T INC COM 00206R102   34,914 1,587 SH   SOLE   0 0 1,587
OREILLY AUTOMOTIVE INC COM 67103H107   8,061 7 SH   SOLE   0 0 7
FIDELITY NATL INFORMATION SV COM 31620M106   670 8 SH   SOLE   0 0 8
CANADIAN NATL RY CO COM 136375102   41,353 353 SH   SOLE   0 0 353
BLACKSTONE INC COM 09260D107   140,467 917 SH   SOLE   0 0 917
ISHARES TR MSCI EAFE ETF 464287465   687,331 8,219 SH   SOLE   0 0 8,219
INTERNATIONAL BUSINESS MACHS COM 459200101   884 4 SH   SOLE   0 0 4
EQT CORP COM 26884L109   18,555 506 SH   SOLE   0 0 506