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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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
ABBOTT LABS COM 002824100   305,766 2,703 SH   SOLE   0 0 2,703
ABBVIE INC COM 00287Y109   359,845 2,025 SH   SOLE   0 0 2,025
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108   803,445 29,142 SH   SOLE   0 0 29,142
ADOBE INC COM 00724F101   294,378 662 SH   SOLE   0 0 662
ALPHABET INC CAP STK CL A 02079K305   792,575 4,187 SH   SOLE   0 0 4,187
ALPHABET INC CAP STK CL C 02079K107   369,909 1,942 SH   SOLE   0 0 1,942
ALPS ETF TR OSHARES US SMLCP 00162Q395   852,291 19,494 SH   SOLE   0 0 19,494
ALTRIA GROUP INC COM 02209S103   505,717 9,671 SH   SOLE   0 0 9,671
AMAZON COM INC COM 023135106   1,556,791 7,096 SH   SOLE   0 0 7,096
AMERICAN EXPRESS CO COM 025816109   487,988 1,644 SH   SOLE   0 0 1,644
APPLE INC COM 037833100   4,760,142 19,009 SH   SOLE   0 0 19,009
AT&T INC COM 00206R102   476,233 20,915 SH   SOLE   0 0 20,915
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,323,513 5,126 SH   SOLE   0 0 5,126
BLACKROCK MUNIYIELD MICH QU COM 09254V105   266,604 23,847 SH   SOLE   0 0 23,847
BLACKSTONE INC COM 09260D107   2,693,016 15,619 SH   SOLE   0 0 15,619
BOEING CO COM 097023105   238,419 1,347 SH   SOLE   0 0 1,347
BRISTOL-MYERS SQUIBB CO COM 110122108   460,212 8,137 SH   SOLE   0 0 8,137
BROADCOM INC COM 11135F101   533,219 2,300 SH   SOLE   0 0 2,300
CAPITAL GROUP INTERNATIONAL SHS 14021T102   898,151 37,352 SH   SOLE   0 0 37,352
CAPITAL GROUP NEW GEOGRAPHY SHS 14021N105   310,170 12,522 SH   SOLE   0 0 12,522
CATERPILLAR INC COM 149123101   1,511,134 4,166 SH   SOLE   0 0 4,166
CHEVRON CORP NEW COM 166764100   302,949 2,092 SH   SOLE   0 0 2,092
CHURCH & DWIGHT CO INC COM 171340102   346,789 3,312 SH   SOLE   0 0 3,312
CISCO SYS INC COM 17275R102   545,802 9,220 SH   SOLE   0 0 9,220
CMS ENERGY CORP COM 125896100   496,400 7,448 SH   SOLE   0 0 7,448
COCA COLA CO COM 191216100   318,440 5,115 SH   SOLE   0 0 5,115
COLUMBIA ETF TR I DIVERSIFID FXD 19761L508   1,158,032 66,060 SH   SOLE   0 0 66,060
COSTCO WHSL CORP NEW COM 22160K105   463,047 505 SH   SOLE   0 0 505
CSX CORP COM 126408103   925,004 28,665 SH   SOLE   0 0 28,665
DBX ETF TR XTRACK MSCI EAFE 233051200   336,907 8,138 SH   SOLE   0 0 8,138
DEERE & CO COM 244199105   218,007 515 SH   SOLE   0 0 515
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   6,896,151 167,098 SH   SOLE   0 0 167,098
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   4,869,156 140,768 SH   SOLE   0 0 140,768
DIMENSIONAL ETF TRUST GLOBAL CORE PLUS 25434V583   3,912,273 74,054 SH   SOLE   0 0 74,054
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   3,002,979 47,106 SH   SOLE   0 0 47,106
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   2,646,939 56,462 SH   SOLE   0 0 56,462
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   1,495,352 48,582 SH   SOLE   0 0 48,582
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   1,404,775 34,694 SH   SOLE   0 0 34,694
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   1,228,428 36,355 SH   SOLE   0 0 36,355
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   615,974 21,095 SH   SOLE   0 0 21,095
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   541,433 21,460 SH   SOLE   0 0 21,460
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   502,908 7,728 SH   SOLE   0 0 7,728
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   407,723 15,345 SH   SOLE   0 0 15,345
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   343,153 13,526 SH   SOLE   0 0 13,526
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   327,080 12,655 SH   SOLE   0 0 12,655
DIMENSIONAL ETF TRUST ULTRASHORT FIXED 25434V591   323,270 6,390 SH   SOLE   0 0 6,390
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   312,655 6,545 SH   SOLE   0 0 6,545
DIMENSIONAL ETF TRUST GLOBAL EX US COR 25434V575   292,260 5,586 SH   SOLE   0 0 5,586
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   285,437 8,045 SH   SOLE   0 0 8,045
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   245,172 9,600 SH   SOLE   0 0 9,600
DIMENSIONAL ETF TRUST EMERGING MKTS HI 25434V757   227,672 9,203 SH   SOLE   0 0 9,203
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740   219,037 8,357 SH   SOLE   0 0 8,357
DISNEY WALT CO COM 254687106   845,431 7,593 SH   SOLE   0 0 7,593
DOW INC COM 260557103   279,294 6,960 SH   SOLE   0 0 6,960
DTE ENERGY CO COM 233331107   614,520 5,089 SH   SOLE   0 0 5,089
DUPONT DE NEMOURS INC COM 26614N102   274,778 3,604 SH   SOLE   0 0 3,604
ELI LILLY & CO COM 532457108   533,540 691 SH   SOLE   0 0 691
ENBRIDGE INC COM 29250N105   383,397 9,036 SH   SOLE   0 0 9,036
EQUITY RESIDENTIAL SH BEN INT 29476L107   231,641 3,228 SH   SOLE   0 0 3,228
ETFS GOLD TR PHYSCL GOLD SHS 00326A104   595,063 23,755 SH   SOLE   0 0 23,755
EXXON MOBIL CORP COM 30231G102   789,521 7,340 SH   SOLE   0 0 7,340
FIRST INDL RLTY TR INC COM 32054K103   224,131 4,471 SH   SOLE   0 0 4,471
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   311,136 17,578 SH   SOLE   0 0 17,578
FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192   531,791 4,464 SH   SOLE   0 0 4,464
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846   314,070 4,950 SH   SOLE   0 0 4,950
FIRST TR EXCHANGE-TRADED FD WTR ETF 33733B100   1,692,299 16,583 SH   SOLE   0 0 16,583
FIRST TR EXCHANGE-TRADED FD CORE INVESTMENT 33738D788   1,561,285 75,607 SH   SOLE   0 0 75,607
FIRST TR EXCHANGE-TRADED FD FIRST TR TA HIYL 33738D408   752,991 18,219 SH   SOLE   0 0 18,219
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   462,215 9,497 SH   SOLE   0 0 9,497
FIRST TR EXCHANGE-TRADED FD FT VEST S&P 500 33739Q705   375,420 7,477 SH   SOLE   0 0 7,477
FIRST TR EXCHANGE-TRADED FD FT VEST RIS 33738D879   364,411 15,033 SH   SOLE   0 0 15,033
FIRST TR EXCHANGE-TRADED FD LIMITED DURATION 33738D804   244,310 12,947 SH   SOLE   0 0 12,947
FIRST TR EXCHANGE-TRADED FD DORSEY WRT 5 ETF 33738R605   220,535 3,734 SH   SOLE   0 0 3,734
FIRST TR EXCHANGE-TRADED FD SMID RISNG ETF 33741X102   216,211 6,031 SH   SOLE   0 0 6,031
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408   200,170 3,349 SH   SOLE   0 0 3,349
FIRST TR EXCHNG TRADED FD VI FT VEST LADDERED 33740F755   3,747,140 122,978 SH   SOLE   0 0 122,978
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805   1,749,223 40,708 SH   SOLE   0 0 40,708
FIRST TR EXCHNG TRADED FD VI TCW UNCONSTRAI 33740F888   791,068 32,092 SH   SOLE   0 0 32,092
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F615   463,672 12,148 SH   SOLE   0 0 12,148
FIRST TR VALUE LINE DIVID IN SHS 33734H106   783,738 17,959 SH   SOLE   0 0 17,959
FLEXSHARES TR HIG YLD VL ETF 33939L662   439,971 10,815 SH   SOLE   0 0 10,815
FORD MTR CO COM 345370860   384,367 38,825 SH   SOLE   0 0 38,825
FORTINET INC COM 34959E109   478,919 5,069 SH   SOLE   0 0 5,069
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF 35473P595   934,275 38,503 SH   SOLE   0 0 38,503
FRANKLIN TEMPLETON ETF TR FRANKLIN DYN MUN 35473P868   240,269 9,833 SH   SOLE   0 0 9,833
FS KKR CAP CORP COM 302635206   1,026,921 47,280 SH   SOLE   0 0 47,280
GE AEROSPACE COM NEW 369604301   463,356 2,778 SH   SOLE   0 0 2,778
GENERAL DYNAMICS CORP COM 369550108   220,299 836 SH   SOLE   0 0 836
GILEAD SCIENCES INC COM 375558103   216,945 2,349 SH   SOLE   0 0 2,349
GLOBAL NET LEASE INC COM NEW 379378201   207,816 28,468 SH   SOLE   0 0 28,468
GLOBAL X FDS US PFD ETF 37954Y657   642,753 32,945 SH   SOLE   0 0 32,945
GLOBAL X FDS US INFR DEV ETF 37954Y673   483,871 11,974 SH   SOLE   0 0 11,974
GLOBAL X FDS RATE PREFERRED 37954Y376   301,384 12,786 SH   SOLE   0 0 12,786
GLOBAL X FDS NASDAQ 100 COVER 37954Y483   208,455 11,441 SH   SOLE   0 0 11,441
HOME DEPOT INC COM 437076102   1,635,449 4,204 SH   SOLE   0 0 4,204
HOWMET AEROSPACE INC COM 443201108   287,901 2,632 SH   SOLE   0 0 2,632
INTEL CORP COM 458140100   223,076 11,126 SH   SOLE   0 0 11,126
INTERNATIONAL BUSINESS MACHS COM 459200101   1,038,453 4,724 SH   SOLE   0 0 4,724
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   1,860,009 26,572 SH   SOLE   0 0 26,572
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698   722,552 7,379 SH   SOLE   0 0 7,379
INVESCO EXCH TRADED FD TR II GLOBAL EX US HGH 46138E669   349,967 17,810 SH   SOLE   0 0 17,810
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   3,052,548 17,420 SH   SOLE   0 0 17,420
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332   1,971,522 67,287 SH   SOLE   0 0 67,287
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   578,702 15,465 SH   SOLE   0 0 15,465
INVESCO QQQ TR UNIT SER 1 46090E103   910,739 1,781 SH   SOLE   0 0 1,781
ISHARES INC MSCI GBL MIN VOL 464286525   210,280 1,926 SH   SOLE   0 0 1,926
ISHARES SILVER TR ISHARES 46428Q109   642,294 24,394 SH   SOLE   0 0 24,394
ISHARES TR MSCI USA MIN VOL 46429B697   4,381,495 49,347 SH   SOLE   0 0 49,347
ISHARES TR MSCI USA QLT FCT 46432F339   2,558,767 14,369 SH   SOLE   0 0 14,369
ISHARES TR 1 3 YR TREAS BD 464287457   1,594,377 19,448 SH   SOLE   0 0 19,448
ISHARES TR CORE S&P SCP ETF 464287804   962,482 8,353 SH   SOLE   0 0 8,353
ISHARES TR ISHS 1-5YR INVS 464288646   739,914 14,312 SH   SOLE   0 0 14,312
ISHARES TR RUS 1000 ETF 464287622   656,562 2,038 SH   SOLE   0 0 2,038
ISHARES TR MSCI EAFE MIN VL 46429B689   498,207 7,046 SH   SOLE   0 0 7,046
ISHARES TR CONV BD ETF 46435G102   436,312 5,135 SH   SOLE   0 0 5,135
ISHARES TR 0-5YR HI YL CP 46434V407   340,198 7,984 SH   SOLE   0 0 7,984
ISHARES TR RUSSELL 2000 ETF 464287655   332,592 1,505 SH   SOLE   0 0 1,505
ISHARES TR MSCI EAFE ETF 464287465   312,127 4,128 SH   SOLE   0 0 4,128
ISHARES TR IBOXX INV CP ETF 464287242   310,635 2,907 SH   SOLE   0 0 2,907
ISHARES TR CORE S&P500 ETF 464287200   288,960 491 SH   SOLE   0 0 491
ISHARES TR CORE S&P MCP ETF 464287507   283,927 4,557 SH   SOLE   0 0 4,557
ISHARES TR ISHS 5-10YR INVT 464288638   259,662 5,041 SH   SOLE   0 0 5,041
ISHARES TR S&P 500 VAL ETF 464287408   242,763 1,272 SH   SOLE   0 0 1,272
ISHARES TR A RATE CP BD ETF 46429B291   238,395 5,095 SH   SOLE   0 0 5,095
ISHARES TR MSCI ACWI EX US 464288240   232,799 4,463 SH   SOLE   0 0 4,463
ISHARES TR 10+ YR INVST GRD 464289511   221,806 4,490 SH   SOLE   0 0 4,490
ISHARES TR U.S. TECH ETF 464287721   213,784 1,340 SH   SOLE   0 0 1,340
ISHARES TR U.S. MED DVC ETF 464288810   202,677 3,473 SH   SOLE   0 0 3,473
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   2,673,291 46,468 SH   SOLE   0 0 46,468
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   2,524,353 50,116 SH   SOLE   0 0 50,116
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   2,413,930 52,397 SH   SOLE   0 0 52,397
J P MORGAN EXCHANGE TRADED F BETABUILDERS USD 46641Q878   316,273 6,864 SH   SOLE   0 0 6,864
JOHNSON & JOHNSON COM 478160104   490,686 3,393 SH   SOLE   0 0 3,393
JPMORGAN CHASE & CO. COM 46625H100   3,019,078 12,595 SH   SOLE   0 0 12,595
KELLANOVA COM 487836108   288,739 3,566 SH   SOLE   0 0 3,566
KINDER MORGAN INC DEL COM 49456B101   514,682 18,784 SH   SOLE   0 0 18,784
KROGER CO COM 501044101   269,549 4,408 SH   SOLE   0 0 4,408
LINDE PLC SHS G54950103   258,738 618 SH   SOLE   0 0 618
LISTED FD TR TRUESHS TECH AI 53656F821   264,274 6,780 SH   SOLE   0 0 6,780
LOCKHEED MARTIN CORP COM 539830109   425,351 875 SH   SOLE   0 0 875
LOWES COS INC COM 548661107   1,643,151 6,658 SH   SOLE   0 0 6,658
MCCORMICK & CO INC COM NON VTG 579780206   221,553 2,906 SH   SOLE   0 0 2,906
MERCK & CO INC COM 58933Y105   706,718 7,104 SH   SOLE   0 0 7,104
MESABI TR CTF BEN INT 590672101   309,210 11,000 SH   SOLE   0 0 11,000
META PLATFORMS INC CL A 30303M102   759,744 1,298 SH   SOLE   0 0 1,298
METHANEX CORP COM 59151K108   474,430 9,500 SH   SOLE   0 0 9,500
MICROSOFT CORP COM 594918104   6,746,448 16,006 SH   SOLE   0 0 16,006
MONDELEZ INTL INC CL A 609207105   234,153 3,920 SH   SOLE   0 0 3,920
MORGAN STANLEY ETF TRUST EATON VANCE TOTA 61774R841   211,905 4,250 SH   SOLE   0 0 4,250
NORDIC AMERICAN TANKERS LIMI COM G65773106   25,750 10,300 SH   SOLE   0 0 10,300
NUVEEN AMT FREE QLTY MUN INC COM 670657105   113,248 10,040 SH   SOLE   0 0 10,040
NVIDIA CORPORATION COM 67066G104   2,609,782 19,434 SH   SOLE   0 0 19,434
ORACLE CORP COM 68389X105   238,591 1,432 SH   SOLE   0 0 1,432
PALANTIR TECHNOLOGIES INC CL A 69608A108   263,117 3,479 SH   SOLE   0 0 3,479
PEMBINA PIPELINE CORP COM 706327103   300,995 8,146 SH   SOLE   0 0 8,146
PEPSICO INC COM 713448108   270,858 1,781 SH   SOLE   0 0 1,781
PFIZER INC COM 717081103   376,614 14,196 SH   SOLE   0 0 14,196
PGIM ETF TR PGIM ULTRA SH BD 69344A107   3,924,876 79,210 SH   SOLE   0 0 79,210
PGIM ETF TR TOTAL RETURN BON 69344A800   343,777 8,393 SH   SOLE   0 0 8,393
PIMCO ETF TR SR LN ACTIVE ETF 72201R627   337,626 6,607 SH   SOLE   0 0 6,607
PROCTER AND GAMBLE CO COM 742718109   783,521 4,674 SH   SOLE   0 0 4,674
PROSHARES TR S&P MDCP 400 DIV 74347B680   867,433 10,754 SH   SOLE   0 0 10,754
PROSHARES TR S&P 500 DV ARIST 74348A467   537,810 5,402 SH   SOLE   0 0 5,402
PROSHARES TR RUSS 2000 DIVD 74347B698   343,100 5,070 SH   SOLE   0 0 5,070
QUALCOMM INC COM 747525103   235,884 1,536 SH   SOLE   0 0 1,536
RTX CORPORATION COM 75513E101   596,510 5,155 SH   SOLE   0 0 5,155
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   11,730,677 429,381 SH   SOLE   0 0 429,381
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   3,926,623 141,704 SH   SOLE   0 0 141,704
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,154,243 77,296 SH   SOLE   0 0 77,296
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,113,369 49,047 SH   SOLE   0 0 49,047
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   732,133 39,575 SH   SOLE   0 0 39,575
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   553,824 21,416 SH   SOLE   0 0 21,416
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   464,518 20,092 SH   SOLE   0 0 20,092
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   309,205 11,861 SH   SOLE   0 0 11,861
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   259,870 11,448 SH   SOLE   0 0 11,448
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   5,157,938 22,183 SH   SOLE   0 0 22,183
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   273,220 5,653 SH   SOLE   0 0 5,653
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   272,788 1,983 SH   SOLE   0 0 1,983
SOUTHERN CO COM 842587107   827,997 10,058 SH   SOLE   0 0 10,058
SPDR GOLD TR GOLD SHS 78463V107   1,136,316 4,693 SH   SOLE   0 0 4,693
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   338,706 9,924 SH   SOLE   0 0 9,924
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,236,855 2,110 SH   SOLE   0 0 2,110
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   895,040 1,571 SH   SOLE   0 0 1,571
SPDR SER TR MKTAXES INVT GRD 78468R499   993,734 10,583 SH   SOLE   0 0 10,583
SPDR SER TR PORTFOLIO INTRMD 78464A375   530,679 16,199 SH   SOLE   0 0 16,199
SPDR SER TR NUVEEN BLOOMBERG 78464A284   506,690 19,808 SH   SOLE   0 0 19,808
SPDR SER TR BBG CONV SEC ETF 78464A359   428,916 5,507 SH   SOLE   0 0 5,507
SPDR SER TR PRTFLO S&P500 VL 78464A508   419,399 8,201 SH   SOLE   0 0 8,201
SPDR SER TR PRTFLO S&P500 GW 78464A409   359,863 4,094 SH   SOLE   0 0 4,094
SPDR SER TR S&P 400 MDCP VAL 78464A839   324,937 4,052 SH   SOLE   0 0 4,052
SPDR SER TR PORTFLI HIGH YLD 78468R606   247,284 10,536 SH   SOLE   0 0 10,536
SPDR SER TR PORT MTG BK ETF 78464A383   211,125 9,797 SH   SOLE   0 0 9,797
SPDR SER TR PORTFOLIO LN TSR 78464A664   201,424 7,691 SH   SOLE   0 0 7,691
STARWOOD PPTY TR INC COM 85571B105   316,200 16,686 SH   SOLE   0 0 16,686
STRYKER CORPORATION COM 863667101   347,437 965 SH   SOLE   0 0 965
TESLA INC COM 88160R101   753,162 1,865 SH   SOLE   0 0 1,865
TEXAS PACIFIC LAND CORPORATI COM 88262P102   224,041 203 SH   SOLE   0 0 203
TOUCHSTONE ETF TRUST STRATEGIC INCOME 89157W202   1,403,614 55,248 SH   SOLE   0 0 55,248
UBS AG JERSEY BRANCH ETRACS CRUDE OIL 22539U602   613,548 9,370 SH   SOLE   0 0 9,370
UNION PAC CORP COM 907818108   384,165 1,685 SH   SOLE   0 0 1,685
UNITEDHEALTH GROUP INC COM 91324P102   201,661 399 SH   SOLE   0 0 399
VALUED ADVISERS TR REGAN FLTG RATE 92046L338   596,163 23,471 SH   SOLE   0 0 23,471
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   8,767,919 94,558 SH   SOLE   0 0 94,558
VANECK ETF TRUST MORNINGSTAR SMID 92189H730   1,283,197 37,226 SH   SOLE   0 0 37,226
VANECK ETF TRUST EMERGING MRKT HI 92189F353   512,905 26,343 SH   SOLE   0 0 26,343
VANECK ETF TRUST IG FLOATING RATE 92189F486   309,533 12,162 SH   SOLE   0 0 12,162
VANECK ETF TRUST PREFERRED SECURT 92189F429   272,447 15,794 SH   SOLE   0 0 15,794
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   18,401,542 255,897 SH   SOLE   0 0 255,897
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   677,469 8,768 SH   SOLE   0 0 8,768
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,254,827 13,546 SH   SOLE   0 0 13,546
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,522,342 8,703 SH   SOLE   0 0 8,703
VANGUARD INDEX FDS VALUE ETF 922908744   1,456,803 8,605 SH   SOLE   0 0 8,605
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   770,771 1,431 SH   SOLE   0 0 1,431
VANGUARD INDEX FDS MID CAP ETF 922908629   469,706 1,778 SH   SOLE   0 0 1,778
VANGUARD INDEX FDS GROWTH ETF 922908736   438,223 1,068 SH   SOLE   0 0 1,068
VANGUARD INDEX FDS SM CP VAL ETF 922908611   412,413 2,081 SH   SOLE   0 0 2,081
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   287,326 6,524 SH   SOLE   0 0 6,524
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   280,726 2,390 SH   SOLE   0 0 2,390
VANGUARD MALVERN FDS CORE-PLUS BD ETF 922020755   301,984 3,974 SH   SOLE   0 0 3,974
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   281,347 5,612 SH   SOLE   0 0 5,612
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   293,694 4,307 SH   SOLE   0 0 4,307
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   5,405,866 27,605 SH   SOLE   0 0 27,605
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   264,881 3,311 SH   SOLE   0 0 3,311
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   223,142 1,749 SH   SOLE   0 0 1,749
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   3,545,144 13,974 SH   SOLE   0 0 13,974
VANGUARD WORLD FD INF TECH ETF 92204A702   371,718 598 SH   SOLE   0 0 598
VANGUARD WORLD FD UTILITIES ETF 92204A876   346,864 2,123 SH   SOLE   0 0 2,123
VERIZON COMMUNICATIONS INC COM 92343V104   295,790 7,397 SH   SOLE   0 0 7,397
VERU INC COM 92536C103   9,758 15,000 SH   SOLE   0 0 15,000
VISA INC COM CL A 92826C839   864,557 2,736 SH   SOLE   0 0 2,736
WALMART INC COM 931142103   336,423 3,724 SH   SOLE   0 0 3,724
WELLS FARGO CO NEW COM 949746101   278,646 3,967 SH   SOLE   0 0 3,967
WISDOMTREE TR ARTIFICIAL INTEL 97717Y543   290,758 13,216 SH   SOLE   0 0 13,216
WISDOMTREE TR EMER MKT HIGH FD 97717W315   274,522 6,780 SH   SOLE   0 0 6,780
WORLD GOLD TR SPDR GLD MINIS 98149E303   701,813 13,499 SH   SOLE   0 0 13,499