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
3M CO COM 88579Y101   354,326 2,592 SH   SOLE   0 0 2,592
ABBOTT LABS COM 002824100   343,165 3,010 SH   SOLE   0 0 3,010
ABBVIE INC COM 00287Y109   454,886 2,303 SH   SOLE   0 0 2,303
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   215,623 610 SH   SOLE   0 0 610
ALLSTATE CORP COM 020002101   220,228 1,161 SH   SOLE   0 0 1,161
ALNYLAM PHARMACEUTICALS INC COM 02043Q107   260,453 947 SH   SOLE   0 0 947
ALPHABET INC CAP STK CL C 02079K107   263,098 1,574 SH   SOLE   0 0 1,574
ALPHABET INC CAP STK CL A 02079K305   1,147,130 6,917 SH   SOLE   0 0 6,917
ALTRIA GROUP INC COM 02209S103   509,481 9,982 SH   SOLE   0 0 9,982
AMAZON COM INC COM 023135106   2,113,523 11,343 SH   SOLE   0 0 11,343
AON PLC SHS CL A G0403H108   434,530 1,256 SH   SOLE   0 0 1,256
APPLE INC COM 037833100   6,669,857 28,626 SH   SOLE   0 0 28,626
APPLIED MATLS INC COM 038222105   429,277 2,125 SH   SOLE   0 0 2,125
ARISTA NETWORKS INC COM 040413106   224,535 585 SH   SOLE   0 0 585
ASML HOLDING N V N Y REGISTRY SHS N07059210   210,812 253 SH   SOLE   0 0 253
AT&T INC COM 00206R102   506,232 23,011 SH   SOLE   0 0 23,011
AUTOMATIC DATA PROCESSING IN COM 053015103   206,222 745 SH   SOLE   0 0 745
BANCO SANTANDER S.A. ADR 05964H105   104,321 20,455 SH   SOLE   0 0 20,455
BANK AMERICA CORP COM 060505104   579,563 14,606 SH   SOLE   0 0 14,606
BARCLAYS PLC ADR 06738E204   195,919 16,125 SH   SOLE   0 0 16,125
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   925,583 2,011 SH   SOLE   0 0 2,011
BLACKROCK CORE BD TR SHS BEN INT 09249E101   4,067,810 337,858 SH   SOLE   0 0 337,858
BLACKROCK INC COM 09247X101   331,918 350 SH   SOLE   0 0 350
BOOKING HOLDINGS INC COM 09857L108   652,879 155 SH   SOLE   0 0 155
BRISTOL-MYERS SQUIBB CO COM 110122108   400,571 7,742 SH   SOLE   0 0 7,742
BROADCOM INC COM 11135F101   1,553,843 9,008 SH   SOLE   0 0 9,008
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104   378,292 12,547 SH   SOLE   0 0 12,547
CATERPILLAR INC COM 149123101   342,621 876 SH   SOLE   0 0 876
CENTENE CORP DEL COM 15135B101   247,220 3,284 SH   SOLE   0 0 3,284
CHEVRON CORP NEW COM 166764100   401,951 2,729 SH   SOLE   0 0 2,729
CHUBB LIMITED COM H1467J104   301,656 1,046 SH   SOLE   0 0 1,046
CINCINNATI FINL CORP COM 172062101   333,494 2,450 SH   SOLE   0 0 2,450
CISCO SYS INC COM 17275R102   427,906 8,040 SH   SOLE   0 0 8,040
CITIGROUP INC COM NEW 172967424   384,927 6,149 SH   SOLE   0 0 6,149
CITIZENS FINL GROUP INC COM 174610105   286,504 6,976 SH   SOLE   0 0 6,976
CME GROUP INC COM 12572Q105   351,716 1,594 SH   SOLE   0 0 1,594
CNH INDL N V SHS N20944109   190,909 17,199 SH   SOLE   0 0 17,199
COCA COLA CO COM 191216100   564,678 7,858 SH   SOLE   0 0 7,858
COLGATE PALMOLIVE CO COM 194162103   234,507 2,259 SH   SOLE   0 0 2,259
COMCAST CORP NEW CL A 20030N101   512,815 12,277 SH   SOLE   0 0 12,277
CONOCOPHILLIPS COM 20825C104   218,351 2,074 SH   SOLE   0 0 2,074
COSTCO WHSL CORP NEW COM 22160K105   615,286 694 SH   SOLE   0 0 694
CROWN HLDGS INC COM 228368106   239,221 2,495 SH   SOLE   0 0 2,495
D R HORTON INC COM 23331A109   213,893 1,121 SH   SOLE   0 0 1,121
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   4,182,969 105,391 SH   SOLE   0 0 105,391
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   200,362,278 6,304,666 SH   SOLE   0 0 6,304,666
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   77,563 1,247 SH   SOLE   0 0 1,247
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   16,474 254 SH   SOLE   0 0 254
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666   387,405 12,574 SH   SOLE   0 0 12,574
DIMENSIONAL ETF TRUST GLOBAL SUSTAINA 25434V674   10,049 189 SH   SOLE   0 0 189
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   396,701 11,569 SH   SOLE   0 0 11,569
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716   4,462 120 SH   SOLE   0 0 120
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   37,271 894 SH   SOLE   0 0 894
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   235,719 8,374 SH   SOLE   0 0 8,374
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   287,781 9,903 SH   SOLE   0 0 9,903
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   371,110 13,188 SH   SOLE   0 0 13,188
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   23,457 616 SH   SOLE   0 0 616
DISNEY WALT CO COM 254687106   273,376 2,842 SH   SOLE   0 0 2,842
DNP SELECT INCOME FD INC COM 23325P104   115,511 11,505 SH   SOLE   0 0 11,505
DOCUSIGN INC COM 256163106   210,423 3,389 SH   SOLE   0 0 3,389
DOW INC COM 260557103   28,100,877 514,385 SH   SOLE   0 0 514,385
DUPONT DE NEMOURS INC COM 26614N102   204,989 2,300 SH   SOLE   0 0 2,300
EATON CORP PLC SHS G29183103   223,722 675 SH   SOLE   0 0 675
ELI LILLY & CO COM 532457108   5,133,965 5,795 SH   SOLE   0 0 5,795
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   246,223 15,341 SH   SOLE   0 0 15,341
EXXON MOBIL CORP COM 30231G102   1,666,818 14,220 SH   SOLE   0 0 14,220
FINVOLUTION GROUP SPONSORED ADS 31810T101   73,153 11,837 SH   SOLE   0 0 11,837
FIRST TR SPECIALTY FIN & FIN COM BEN INTR 33733G109   170,916 41,994 SH   SOLE   0 0 41,994
FORTINET INC COM 34959E109   326,796 4,214 SH   SOLE   0 0 4,214
GABELLI EQUITY TR INC COM 362397101   77,420 14,102 SH   SOLE   0 0 14,102
GE AEROSPACE COM NEW 369604301   1,181,872 6,267 SH   SOLE   0 0 6,267
GE VERNOVA INC COM 36828A101   292,972 1,149 SH   SOLE   0 0 1,149
GLOBAL PMTS INC COM 37940X102   249,905 2,440 SH   SOLE   0 0 2,440
HOME DEPOT INC COM 437076102   776,672 1,917 SH   SOLE   0 0 1,917
HONDA MOTOR LTD ADR ECH CNV IN 3 438128308   224,046 7,061 SH   SOLE   0 0 7,061
HOWMET AEROSPACE INC COM 443201108   219,147 2,186 SH   SOLE   0 0 2,186
HUNTINGTON INGALLS INDS INC COM 446413106   251,954 953 SH   SOLE   0 0 953
INSPIRE MED SYS INC COM 457730109   273,310 1,295 SH   SOLE   0 0 1,295
INTERNATIONAL BUSINESS MACHS COM 459200101   398,607 1,803 SH   SOLE   0 0 1,803
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643   3,803,600 185,000 SH   SOLE   0 0 185,000
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   3,786,240 192,000 SH   SOLE   0 0 192,000
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   3,784,860 193,500 SH   SOLE   0 0 193,500
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   3,768,625 182,500 SH   SOLE   0 0 182,500
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   3,780,480 179,000 SH   SOLE   0 0 179,000
INVESCO EXCHANGE TRADED FD T AEROSPACE DEFN 46137V100   132,216 1,150 SH   SOLE   0 0 1,150
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233   52,283 1,100 SH   SOLE   0 0 1,100
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   29,733 442 SH   SOLE   0 0 442
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   360 2 SH   SOLE   0 0 2
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431   21,667 207 SH   SOLE   0 0 207
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480   109,980 2,000 SH   SOLE   0 0 2,000
INVESCO QQQ TR UNIT SER 1 46090E103   380,139 779 SH   SOLE   0 0 779
ISHARES INC MSCI WORLD ETF 464286392   123,645 788 SH   SOLE   0 0 788
ISHARES INC MSCI GBL MIN VOL 464286525   4,259,371 37,190 SH   SOLE   0 0 37,190
ISHARES INC CORE MSCI EMKT 46434G103   598,729 10,429 SH   SOLE   0 0 10,429
ISHARES INC MSCI EMRG CHN 46434G764   102,176 1,672 SH   SOLE   0 0 1,672
ISHARES TR CORE S&P TTL STK 464287150   175,366 1,396 SH   SOLE   0 0 1,396
ISHARES TR CORE US AGGBD ET 464287226   14,520,194 143,381 SH   SOLE   0 0 143,381
ISHARES TR IBOXX INV CP ETF 464287242   5,084 45 SH   SOLE   0 0 45
ISHARES TR S&P 500 GRWT ETF 464287309   380,989 3,979 SH   SOLE   0 0 3,979
ISHARES TR GLOB HLTHCRE ETF 464287325   47,313 482 SH   SOLE   0 0 482
ISHARES TR GLOBAL ENERG ETF 464287341   25,381 627 SH   SOLE   0 0 627
ISHARES TR S&P 500 VAL ETF 464287408   264,208 1,340 SH   SOLE   0 0 1,340
ISHARES TR MSCI EAFE ETF 464287465   27,932 334 SH   SOLE   0 0 334
ISHARES TR RUS MDCP VAL ETF 464287473   230,625 1,744 SH   SOLE   0 0 1,744
ISHARES TR RUS MD CP GR ETF 464287481   79,308 676 SH   SOLE   0 0 676
ISHARES TR RUS MID CAP ETF 464287499   453 5 SH   SOLE   0 0 5
ISHARES TR CORE S&P MCP ETF 464287507   34,525 554 SH   SOLE   0 0 554
ISHARES TR ISHARES SEMICDTR 464287523   19,098 83 SH   SOLE   0 0 83
ISHARES TR ISHARES BIOTECH 464287556   18,491 127 SH   SOLE   0 0 127
ISHARES TR RUS 1000 VAL ETF 464287598   100,025 527 SH   SOLE   0 0 527
ISHARES TR RUS 1000 GRW ETF 464287614   89,087 237 SH   SOLE   0 0 237
ISHARES TR RUS 1000 ETF 464287622   55,814 178 SH   SOLE   0 0 178
ISHARES TR RUS 2000 GRW ETF 464287648   39,708 140 SH   SOLE   0 0 140
ISHARES TR RUSSELL 2000 ETF 464287655   58,757 266 SH   SOLE   0 0 266
ISHARES TR CORE S&P US VLU 464287663   447,848 4,690 SH   SOLE   0 0 4,690
ISHARES TR U.S. TECH ETF 464287721   68,657 453 SH   SOLE   0 0 453
ISHARES TR CORE S&P SCP ETF 464287804   15,802 135 SH   SOLE   0 0 135
ISHARES TR US CONSM STAPLES 464287812   92,558 1,312 SH   SOLE   0 0 1,312
ISHARES TR SP SMCP600VL ETF 464287879   427,195 3,968 SH   SOLE   0 0 3,968
ISHARES TR MSCI ACWI ETF 464288257   1,796,358 15,026 SH   SOLE   0 0 15,026
ISHARES TR GLB INFRASTR ETF 464288372   2,449 45 SH   SOLE   0 0 45
ISHARES TR IBOXX HI YD ETF 464288513   29,791 371 SH   SOLE   0 0 371
ISHARES TR GLOBAL MATER ETF 464288695   26,755 287 SH   SOLE   0 0 287
ISHARES TR US AER DEF ETF 464288760   37,410 250 SH   SOLE   0 0 250
ISHARES TR US TREAS BD ETF 46429B267   66,888,140 2,852,373 SH   SOLE   0 0 2,852,373
ISHARES TR MSCI EAFE MIN VL 46429B689   152,710 1,991 SH   SOLE   0 0 1,991
ISHARES TR MSCI USA MIN VOL 46429B697   256,490 2,809 SH   SOLE   0 0 2,809
ISHARES TR MSCI USA QLT FCT 46432F339   479,090 2,672 SH   SOLE   0 0 2,672
ISHARES TR MSCI USA MMENTM 46432F396   211,479 1,043 SH   SOLE   0 0 1,043
ISHARES TR CORE MSCI EAFE 46432F842   8,655,121 110,892 SH   SOLE   0 0 110,892
ISHARES TR INTERNATIONAL SL 46434V266   67,962 1,928 SH   SOLE   0 0 1,928
ISHARES TR US SML CAP EQT 46434V290   91,099 1,373 SH   SOLE   0 0 1,373
ISHARES TR GLOBAL EQUITY 46434V316   270,673 6,046 SH   SOLE   0 0 6,046
ISHARES TR MSCI INTL QUALTY 46434V456   178,448 4,301 SH   SOLE   0 0 4,301
ISHARES TR GLOBAL REIT ETF 46434V647   37,713 1,413 SH   SOLE   0 0 1,413
ISHARES TR YLD OPTIM BD 46434V787   430,873 18,799 SH   SOLE   0 0 18,799
ISHARES TR ESG AWR MSCI USA 46435G425   1,237,195 9,805 SH   SOLE   0 0 9,805
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209   50,647 843 SH   SOLE   0 0 843
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308   162,977 2,878 SH   SOLE   0 0 2,878
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   11,902 200 SH   SOLE   0 0 200
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   225,844 4,451 SH   SOLE   0 0 4,451
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852   1,650,475 33,922 SH   SOLE   0 0 33,922
JABIL INC COM 466313103   410,538 3,426 SH   SOLE   0 0 3,426
JOHNSON & JOHNSON COM 478160104   1,124,232 6,937 SH   SOLE   0 0 6,937
JPMORGAN CHASE & CO. COM 46625H100   1,562,807 7,412 SH   SOLE   0 0 7,412
KLA CORP COM NEW 482480100   538,495 695 SH   SOLE   0 0 695
KROGER CO COM 501044101   223,814 3,906 SH   SOLE   0 0 3,906
LAKELAND FINL CORP COM 511656100   1,779,209 27,322 SH   SOLE   0 0 27,322
LENNAR CORP CL A 526057104   215,602 1,150 SH   SOLE   0 0 1,150
LENNAR CORP CL B 526057302   1,211 7 SH   SOLE   0 0 7
LINCOLN NATL CORP IND COM 534187109   239,476 7,600 SH   SOLE   0 0 7,600
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   78,783 25,251 SH   SOLE   0 0 25,251
LOCKHEED MARTIN CORP COM 539830109   240,474 411 SH   SOLE   0 0 411
MASTERCARD INCORPORATED CL A 57636Q104   688,102 1,393 SH   SOLE   0 0 1,393
MCDONALDS CORP COM 580135101   630,285 2,070 SH   SOLE   0 0 2,070
MERCK & CO INC COM 58933Y105   242,791 2,138 SH   SOLE   0 0 2,138
META PLATFORMS INC CL A 30303M102   1,453,528 2,539 SH   SOLE   0 0 2,539
MICROSOFT CORP COM 594918104   3,504,191 8,144 SH   SOLE   0 0 8,144
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   145,320 14,275 SH   SOLE   0 0 14,275
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   163,237 39,052 SH   SOLE   0 0 39,052
NETFLIX INC COM 64110L106   280,162 395 SH   SOLE   0 0 395
NORFOLK SOUTHN CORP COM 655844108   976,108 3,928 SH   SOLE   0 0 3,928
NORTHROP GRUMMAN CORP COM 666807102   308,747 585 SH   SOLE   0 0 585
NOVARTIS AG SPONSORED ADR 66987V109   211,062 1,835 SH   SOLE   0 0 1,835
NVIDIA CORPORATION COM 67066G104   3,061,145 25,207 SH   SOLE   0 0 25,207
ORACLE CORP COM 68389X105   608,274 3,570 SH   SOLE   0 0 3,570
ORANGE SPONSORED ADR 684060106   139,390 12,142 SH   SOLE   0 0 12,142
PACKAGING CORP AMER COM 695156109   293,590 1,363 SH   SOLE   0 0 1,363
PAYPAL HLDGS INC COM 70450Y103   280,050 3,589 SH   SOLE   0 0 3,589
PEPSICO INC COM 713448108   446,293 2,624 SH   SOLE   0 0 2,624
PFIZER INC COM 717081103   201,201 6,952 SH   SOLE   0 0 6,952
PG&E CORP COM 69331C108   205,825 10,411 SH   SOLE   0 0 10,411
PIMCO CORPORATE & INCOME OPP COM 72201B101   4,200,038 291,872 SH   SOLE   0 0 291,872
PIMCO ETF TR ACTIVE BD ETF 72201R775   45,552 481 SH   SOLE   0 0 481
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   877,312 8,713 SH   SOLE   0 0 8,713
PROCTER AND GAMBLE CO COM 742718109   451,139 2,605 SH   SOLE   0 0 2,605
PROGRESSIVE CORP COM 743315103   395,358 1,558 SH   SOLE   0 0 1,558
ROBERT HALF INC. COM 770323103   232,093 3,443 SH   SOLE   0 0 3,443
ROSS STORES INC COM 778296103   217,035 1,442 SH   SOLE   0 0 1,442
RPM INTL INC COM 749685103   948,519 7,839 SH   SOLE   0 0 7,839
SALESFORCE INC COM 79466L302   364,308 1,331 SH   SOLE   0 0 1,331
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   17,215,376 258,800 SH   SOLE   0 0 258,800
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   185,638 2,736 SH   SOLE   0 0 2,736
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   603,098 5,789 SH   SOLE   0 0 5,789
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   181,385 2,183 SH   SOLE   0 0 2,183
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   31,850 690 SH   SOLE   0 0 690
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   24,336 834 SH   SOLE   0 0 834
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730   34,400 1,066 SH   SOLE   0 0 1,066
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748   9,614 252 SH   SOLE   0 0 252
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   40,584 1,086 SH   SOLE   0 0 1,086
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   69,105 963 SH   SOLE   0 0 963
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,450,450 17,159 SH   SOLE   0 0 17,159
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   25,864 629 SH   SOLE   0 0 629
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   3,445,961 68,102 SH   SOLE   0 0 68,102
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   18,957 492 SH   SOLE   0 0 492
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   10,698 111 SH   SOLE   0 0 111
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   213,010 1,383 SH   SOLE   0 0 1,383
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   276,310 1,379 SH   SOLE   0 0 1,379
SELECT SECTOR SPDR TR ENERGY 81369Y506   673,949 7,676 SH   SOLE   0 0 7,676
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   53,614 1,183 SH   SOLE   0 0 1,183
SELECT SECTOR SPDR TR INDL 81369Y704   193,137 1,426 SH   SOLE   0 0 1,426
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   153,291 679 SH   SOLE   0 0 679
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   82,083 908 SH   SOLE   0 0 908
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   2,827,300 35,000 SH   SOLE   0 0 35,000
SERVICENOW INC COM 81762P102   268,317 300 SH   SOLE   0 0 300
SNAP INC CL A 83304A106   167,958 15,697 SH   SOLE   0 0 15,697
SPDR GOLD TR GOLD SHS 78463V107   672,790 2,768 SH   SOLE   0 0 2,768
SPDR INDEX SHS FDS MSCI WRLD STRGIC 78463X418   3,055,127 23,721 SH   SOLE   0 0 23,721
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   2,472 52 SH   SOLE   0 0 52
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,410,285 2,458 SH   SOLE   0 0 2,458
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   341,796 600 SH   SOLE   0 0 600
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   334,926 8,090 SH   SOLE   0 0 8,090
STEEL DYNAMICS INC COM 858119100   247,717 1,965 SH   SOLE   0 0 1,965
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   210,488 1,212 SH   SOLE   0 0 1,212
TAPESTRY INC COM 876030107   337,363 7,181 SH   SOLE   0 0 7,181
TARGA RES CORP COM 87612G101   918,254 6,204 SH   SOLE   0 0 6,204
TARGET CORP COM 87612E106   272,314 1,747 SH   SOLE   0 0 1,747
TE CONNECTIVITY PLC ORD SHS G87052109   296,695 1,965 SH   SOLE   0 0 1,965
TENET HEALTHCARE CORP COM NEW 88033G407   208,581 1,255 SH   SOLE   0 0 1,255
TESLA INC COM 88160R101   547,853 2,094 SH   SOLE   0 0 2,094
TEXAS ROADHOUSE INC COM 882681109   209,624 1,187 SH   SOLE   0 0 1,187
THE CIGNA GROUP COM 125523100   445,868 1,287 SH   SOLE   0 0 1,287
THERMO FISHER SCIENTIFIC INC COM 883556102   637,383 1,030 SH   SOLE   0 0 1,030
TRAVELERS COMPANIES INC COM 89417E109   280,944 1,200 SH   SOLE   0 0 1,200
TRIMBLE INC COM 896239100   243,827 3,927 SH   SOLE   0 0 3,927
UNION PAC CORP COM 907818108   300,062 1,217 SH   SOLE   0 0 1,217
UNITEDHEALTH GROUP INC COM 91324P102   559,315 957 SH   SOLE   0 0 957
VALERO ENERGY CORP COM 91913Y100   220,099 1,630 SH   SOLE   0 0 1,630
VALLEY NATL BANCORP COM 919794107   194,237 21,439 SH   SOLE   0 0 21,439
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   12,956,605 140,132 SH   SOLE   0 0 140,132
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   327,772 621 SH   SOLE   0 0 621
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   85,315,260 508,828 SH   SOLE   0 0 508,828
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,552,404 26,200 SH   SOLE   0 0 26,200
VANGUARD INDEX FDS SM CP VAL ETF 922908611   100,390 500 SH   SOLE   0 0 500
VANGUARD INDEX FDS MID CAP ETF 922908629   315,277 1,195 SH   SOLE   0 0 1,195
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   366,346 2,013 SH   SOLE   0 0 2,013
VANGUARD INDEX FDS GROWTH ETF 922908736   46,072 120 SH   SOLE   0 0 120
VANGUARD INDEX FDS VALUE ETF 922908744   11,696 67 SH   SOLE   0 0 67
VANGUARD INDEX FDS SMALL CP ETF 922908751   42,656 180 SH   SOLE   0 0 180
VANGUARD INDEX FDS TOTAL STK MKT 922908769   67,242,072 237,470 SH   SOLE   0 0 237,470
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   6,853,813 57,258 SH   SOLE   0 0 57,258
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,021 42 SH   SOLE   0 0 42
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   730,445 3,688 SH   SOLE   0 0 3,688
VANGUARD STAR FDS VG TL INTL STK F 921909768   4,392,221 67,844 SH   SOLE   0 0 67,844
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   3,135,525 59,374 SH   SOLE   0 0 59,374
VANGUARD WORLD FD ENERGY ETF 92204A306   4,755 39 SH   SOLE   0 0 39
VANGUARD WORLD FD FINANCIALS ETF 92204A405   77,267 703 SH   SOLE   0 0 703
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   14,879 53 SH   SOLE   0 0 53
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603   203,115 781 SH   SOLE   0 0 781
VANGUARD WORLD FD INF TECH ETF 92204A702   1,102,658 1,880 SH   SOLE   0 0 1,880
VERISIGN INC COM 92343E102   266,514 1,403 SH   SOLE   0 0 1,403
VERTIV HOLDINGS CO COM CL A 92537N108   222,559 2,237 SH   SOLE   0 0 2,237
VISA INC COM CL A 92826C839   464,838 1,691 SH   SOLE   0 0 1,691
WALMART INC COM 931142103   1,454,977 18,018 SH   SOLE   0 0 18,018
WEC ENERGY GROUP INC COM 92939U106   489,652 5,091 SH   SOLE   0 0 5,091
WELLS FARGO CO NEW COM 949746101   352,339 6,237 SH   SOLE   0 0 6,237
WENDYS CO COM 95058W100   273,119 15,589 SH   SOLE   0 0 15,589
WINGSTOP INC COM 974155103   229,676 552 SH   SOLE   0 0 552
WIPRO LTD SPON ADR 1 SH 97651M109   93,169 14,378 SH   SOLE   0 0 14,378
WISDOMTREE TR INTERNATIONL EFI 97717Y634   86,741,827 2,210,867 SH   SOLE   0 0 2,210,867
XCEL ENERGY INC COM 98389B100   560,274 8,580 SH   SOLE   0 0 8,580
ZIMMER BIOMET HOLDINGS INC COM 98956P102   266,595 2,470 SH   SOLE   0 0 2,470
ZOOM VIDEO COMMUNICATIONS IN CL A 98980L101   234,396 3,361 SH   SOLE   0 0 3,361