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 Company com 88579Y101   638 4,664 SH   SOLE 0 638 0 0
A T & T Inc. com 00206R102   3,196 145,271 SH   SOLE 0 3,196 0 0
Abbott Laboratories com 002824100   514 4,509 SH   SOLE 0 514 0 0
AbbVie Inc. com 00287Y109   11,384 57,645 SH   SOLE 0 11,384 0 0
Academy Sports and Outdoors, Inc. com 00402L107   1,141 19,530 SH   SOLE 0 1,141 0 0
Accenture Ltd Cl A com G1151C101   6,132 17,348 SH   SOLE 0 6,132 0 0
AFLAC Inc com 001055102   11,733 104,945 SH   SOLE 0 11,733 0 0
Allison Transmission Holdings, INc. com 01973R101   6,564 68,330 SH   SOLE 0 6,564 0 0
Alphabet Inc Class A com 02079K305   1,696 10,227 SH   SOLE 0 1,696 0 0
Alphabet Inc Class C com 02079K107   16,964 101,467 SH   SOLE 0 16,964 0 0
Amazon.com Inc. com 023135106   532 2,855 SH   SOLE 0 532 0 0
Amdocs Limited Common Stock com G02602103   2,631 30,071 SH   SOLE 0 2,631 0 0
American Electric Power Co., Inc com 025537101   256 2,499 SH   SOLE 0 256 0 0
American Express Company com 025816109   456 1,681 SH   SOLE 0 456 0 0
American Intl Group Inc com 026874784   1,710 23,358 SH   SOLE 0 1,710 0 0
Ameriprise Financial, Inc. com 03076C106   11,423 24,314 SH   SOLE 0 11,423 0 0
Amgen Incorporated com 031162100   11,353 35,235 SH   SOLE 0 11,353 0 0
Amkor Technology Inc com 031652100   946 30,921 SH   SOLE 0 946 0 0
Apple Computer Inc com 037833100   57,398 246,342 SH   SOLE 0 57,398 0 0
Applied Materials Inc com 038222105   2,090 10,345 SH   SOLE 0 2,090 0 0
Archer-Daniels-Midland Co. com 039483102   2,107 35,275 SH   SOLE 0 2,107 0 0
Arrow Electronics, Inc. com 042735100   1,685 12,688 SH   SOLE 0 1,685 0 0
Automatic Data Processing, Inc. com 053015103   1,728 6,246 SH   SOLE 0 1,728 0 0
Autonation Inc. com 05329W102   1,055 5,898 SH   SOLE 0 1,055 0 0
AutoZone Inc com 053332102   1,899 603 SH   SOLE 0 1,899 0 0
Avantis All Equity Markets ETF ETF 025072232   311 4,209 SH   SOLE 0 311 0 0
Avantis Emerging Markets Equity ETF ETF 025072604   35,912 555,907 SH   SOLE 0 35,912 0 0
Avantis US Small Cap Value ETF com 025072877   5,098 53,134 SH   SOLE 0 5,098 0 0
Avnet, Inc. com 053807103   7,054 129,960 SH   SOLE 0 7,054 0 0
Bank of America Corp com 060505104   608 15,335 SH   SOLE 0 608 0 0
Becton Dickinson & Co com 075887109   2,011 8,343 SH   SOLE 0 2,011 0 0
Belden Inc com 077454106   4,530 38,675 SH   SOLE 0 4,530 0 0
Berkshire Hathaway Cl B com 084670702   445 967 SH   SOLE 0 445 0 0
Berry Plastics Group Inc com 08579W103   1,303 19,170 SH   SOLE 0 1,303 0 0
Best Buy Inc com 086516101   4,524 43,792 SH   SOLE 0 4,524 0 0
BlackRock, Inc com 09247X101   273 287 SH   SOLE 0 273 0 0
Booz Allen Hamilton Holdings Corporation com 099502106   1,173 7,208 SH   SOLE 0 1,173 0 0
BP PLC Adr ADR 055622104   769 24,494 SH   SOLE 0 769 0 0
Bristol-Myers Squibb Co com 110122108   1,353 26,158 SH   SOLE 0 1,353 0 0
Broadcom Limited com 11135F101   8,676 50,293 SH   SOLE 0 8,676 0 0
Brunswick Corporation com 117043109   604 7,209 SH   SOLE 0 604 0 0
Bunge Ltd. com H11356104   4,149 42,928 SH   SOLE 0 4,149 0 0
C V S Caremark Corp. com 126650100   2,265 36,027 SH   SOLE 0 2,265 0 0
Cabot Corporation com 127055101   1,600 14,315 SH   SOLE 0 1,600 0 0
Cambria Emerging Shareholder Yield ETF ETF 132061706   31,340 905,774 SH   SOLE 0 31,340 0 0
Camden Property Trust com 133131102   213 1,724 SH   SOLE 0 213 0 0
Canadian Natl RR Co. com 136375102   391 3,336 SH   SOLE 0 391 0 0
Canadian Natural Resources Limited com 136385101   1,306 39,332 SH   SOLE 0 1,306 0 0
Cardinal Health Inc com 14149Y108   5,542 50,141 SH   SOLE 0 5,542 0 0
Carlisle Companies Inc com 142339100   208 462 SH   SOLE 0 208 0 0
Carrier Global Corp com 14448C104   825 10,247 SH   SOLE 0 825 0 0
Caterpillar Inc com 149123101   6,516 16,659 SH   SOLE 0 6,516 0 0
CDW Corporation com 12514G108   5,776 25,522 SH   SOLE 0 5,776 0 0
Celanese Corporation com 150870103   271 1,992 SH   SOLE 0 271 0 0
Cencora, Inc. com 03073E105   1,709 7,593 SH   SOLE 0 1,709 0 0
Century Communities, Inc com 156504300   506 4,909 SH   SOLE 0 506 0 0
CF Industries Holdings, Inc. com 125269100   409 4,764 SH   SOLE 0 409 0 0
Charter Communications com 16119P108   414 1,277 SH   SOLE 0 414 0 0
Chevron Corp com 166764100   3,517 23,880 SH   SOLE 0 3,517 0 0
Chord Energy Corporation com 674215207   1,194 9,177 SH   SOLE 0 1,194 0 0
Chubb Ltd com H1467J104   1,316 4,562 SH   SOLE 0 1,316 0 0
CIGNA Corp com 125523100   2,139 6,173 SH   SOLE 0 2,139 0 0
Cincinnati Financial Cp com 172062101   512 3,760 SH   SOLE 0 512 0 0
Cisco Systems Inc com 17275R102   10,734 201,687 SH   SOLE 0 10,734 0 0
Citigroup Inc com 172967424   321 5,134 SH   SOLE 0 321 0 0
Civitas Resources, Inc. com 17888H103   470 9,271 SH   SOLE 0 470 0 0
CMS Energy Corp com 125896100   655 9,270 SH   SOLE 0 655 0 0
Coca Cola Company com 191216100   448 6,233 SH   SOLE 0 448 0 0
Cognizant Technology Solutions Corp. com 192446102   4,642 60,150 SH   SOLE 0 4,642 0 0
Comcast Corp com 20030N101   5,270 126,158 SH   SOLE 0 5,270 0 0
ConAgra Brands, Inc. com 205887102   1,562 48,021 SH   SOLE 0 1,562 0 0
ConocoPhillips com 20825C104   1,246 11,836 SH   SOLE 0 1,246 0 0
Consol Energy, Inc. com 20854L108   1,803 17,227 SH   SOLE 0 1,803 0 0
Consolidated Edison com 209115104   477 4,582 SH   SOLE 0 477 0 0
Constellation Energy Co com 21037T109   2,618 10,069 SH   SOLE 0 2,618 0 0
COPT Defense Properties com 22002T108   203 6,709 SH   SOLE 0 203 0 0
Core & Main, Inc. com 21874C102   1,055 23,762 SH   SOLE 0 1,055 0 0
Corning Inc com 219350105   5,877 130,173 SH   SOLE 0 5,877 0 0
Costco Whsl Corp New com 22160K105   369 416 SH   SOLE 0 369 0 0
Coterra Energy Inc. com 127097103   555 23,161 SH   SOLE 0 555 0 0
CSX Corp. com 126408103   1,444 41,823 SH   SOLE 0 1,444 0 0
Cummins Inc com 231021106   9,214 28,455 SH   SOLE 0 9,214 0 0
D R Horton Co com 23331A109   11,887 62,310 SH   SOLE 0 11,887 0 0
Danaher Corp Del com 235851102   264 950 SH   SOLE 0 264 0 0
Deere & Co com 244199105   1,229 2,946 SH   SOLE 0 1,229 0 0
Dell Inc. com 24703L202   6,510 54,914 SH   SOLE 0 6,510 0 0
Diamondback Energy, Inc. com 25278X109   1,153 6,688 SH   SOLE 0 1,153 0 0
Dick's Sporting Goods Inc. com 253393102   8,622 41,315 SH   SOLE 0 8,622 0 0
Dimensional Emerging Core Equity Market ETF ETF 25434V302   932 33,994 SH   SOLE 0 932 0 0
Dimensional Emerging Markets ETF 25434V732   281 9,969 SH   SOLE 0 281 0 0
Dimensional US Core Equity Market ETF ETF 25434V104   327 8,239 SH   SOLE 0 327 0 0
Discover Financial Services com 254709108   2,647 18,866 SH   SOLE 0 2,647 0 0
Disney Walt Hldg Co com 254687106   316 3,287 SH   SOLE 0 316 0 0
Dole plc com G27907107   331 20,346 SH   SOLE 0 331 0 0
DoubleLine Income Solutions Fund com 258622109   818 63,055 SH   SOLE 0 818 0 0
Dover Corporation com 260003108   467 2,434 SH   SOLE 0 467 0 0
Eaton Corporation plc com G29183103   2,592 7,821 SH   SOLE 0 2,592 0 0
Edison International com 281020107   8,030 92,205 SH   SOLE 0 8,030 0 0
Electronic Arts Inc. com 285512109   886 6,179 SH   SOLE 0 886 0 0
Elevance Health Inc. com 036752103   658 1,266 SH   SOLE 0 658 0 0
Eli Lilly & Company com 532457108   861 972 SH   SOLE 0 861 0 0
Encompass Health Corp com 29261A100   1,638 16,950 SH   SOLE 0 1,638 0 0
Entergy Corp New com 29364G103   1,194 9,075 SH   SOLE 0 1,194 0 0
EOG Resources, Inc com 26875P101   4,503 36,633 SH   SOLE 0 4,503 0 0
Equinor ASA ADR 29446M102   407 16,085 SH   SOLE 0 407 0 0
Equitable Holdings, Inc. com 29452E101   7,168 170,549 SH   SOLE 0 7,168 0 0
Evercore Partners Inc. com 29977A105   1,394 5,501 SH   SOLE 0 1,394 0 0
Everest Group Ltd com G3223R108   3,494 8,917 SH   SOLE 0 3,494 0 0
Exelon Corporation com 30161N101   1,461 36,037 SH   SOLE 0 1,461 0 0
Expeditors International of Washington Inc. com 302130109   2,455 18,687 SH   SOLE 0 2,455 0 0
Extra Space Storage Inc. com 30225T102   510 2,828 SH   SOLE 0 510 0 0
Exxon Mobil Corporation com 30231G102   6,633 56,584 SH   SOLE 0 6,633 0 0
FedEx Corp. com 31428X106   721 2,635 SH   SOLE 0 721 0 0
Fidelity MSCI Real Estate Index ETF ETF 316092857   290 9,826 SH   SOLE 0 290 0 0
Fidelity National Finl. com 31620R303   3,269 52,668 SH   SOLE 0 3,269 0 0
Fifth Third Bancorp com 316773100   723 16,875 SH   SOLE 0 723 0 0
First Trust Managed Municipal ETF ETF 33739N108   2,245 43,211 SH   SOLE 0 2,245 0 0
Fiserv, Inc. com 337738108   479 2,669 SH   SOLE 0 479 0 0
Ford Motor Company com 345370860   472 44,734 SH   SOLE 0 472 0 0
Franklin Resources Inc com 354613101   316 15,705 SH   SOLE 0 316 0 0
General Dynamics Corp com 369550108   5,818 19,251 SH   SOLE 0 5,818 0 0
General Mills Inc com 370334104   1,897 25,685 SH   SOLE 0 1,897 0 0
General Motors Company com 37045V100   2,115 47,169 SH   SOLE 0 2,115 0 0
Genuine Parts Co com 372460105   229 1,636 SH   SOLE 0 229 0 0
Gilead Sciences Inc com 375558103   492 5,869 SH   SOLE 0 492 0 0
GlaxoSmithKline plc ADR 37733W204   831 20,330 SH   SOLE 0 831 0 0
Global Payments Inc com 37940X102   247 2,414 SH   SOLE 0 247 0 0
Global X MLP & Energy Infrastructure ETF ETF 37954Y293   625 11,475 SH   SOLE 0 625 0 0
Goldman Sachs Group Inc com 38141G104   3,364 6,795 SH   SOLE 0 3,364 0 0
Group 1 Automotive, Inc. com 398905109   4,079 10,649 SH   SOLE 0 4,079 0 0
Halozyme Therapeutics, Inc. com 40637H109   609 10,650 SH   SOLE 0 609 0 0
Hartford Financial Services com 416515104   12,349 105,001 SH   SOLE 0 12,349 0 0
Hartford Multifactor Developed Markets ETF ETF 518416102   59,446 1,948,960 SH   SOLE 0 59,446 0 0
Hasbro Inc com 418056107   594 8,205 SH   SOLE 0 594 0 0
HCA Holdings, Inc. com 40412C101   13,905 34,213 SH   SOLE 0 13,905 0 0
Hewlett Packard Enterprise Comp com 42824C109   7,998 390,892 SH   SOLE 0 7,998 0 0
Home Depot Inc com 437076102   2,682 6,618 SH   SOLE 0 2,682 0 0
Honda Motor Co Adr com 438128308   3,149 99,245 SH   SOLE 0 3,149 0 0
Honeywell International com 438516106   1,787 8,644 SH   SOLE 0 1,787 0 0
HP Inc. com 40434L105   8,182 228,114 SH   SOLE 0 8,182 0 0
Huntington Bancshares Incorporated com 446150104   841 57,235 SH   SOLE 0 841 0 0
Illinois Tool Works com 452308109   1,024 3,909 SH   SOLE 0 1,024 0 0
Infosys Limited ADR 456788108   3,484 156,460 SH   SOLE 0 3,484 0 0
Ingredion Incorporated com 457187102   1,582 11,509 SH   SOLE 0 1,582 0 0
Interdigital Comm Corp com 45867G101   492 3,473 SH   SOLE 0 492 0 0
International Paper Co com 460146103   282 5,774 SH   SOLE 0 282 0 0
Interpublic Group of Companies com 460690100   953 30,140 SH   SOLE 0 953 0 0
Intl Business Machines com 459200101   8,500 38,449 SH   SOLE 0 8,500 0 0
Intuitive Surgical Inc com 46120E602   236 481 SH   SOLE 0 236 0 0
Invesco FTSE RAFI Dev Mkts ex-US ETF ETF 46138E743   784 15,031 SH   SOLE 0 784 0 0
Invesco FTSE RAFI Emerging Markets ETF ETF 46138E727   4,055 184,759 SH   SOLE 0 4,055 0 0
Invesco FTSE RAFI US 1000 ETF ETF 46137V613   541 13,320 SH   SOLE 0 541 0 0
Invesco QQQ ETF ETF 46090E103   374 766 SH   SOLE 0 374 0 0
Iron Mountain Incorporated com 46284V101   442 3,720 SH   SOLE 0 442 0 0
iShares 0-3 Month Treasury Bond ETF iShares 46436E718   1,445 14,350 SH   SOLE 0 1,445 0 0
iShares 20 Year Treasury Bond ETF iShares 464287432   7,352 74,942 SH   SOLE 0 7,352 0 0
iShares Barclays TIPS Bond ETF 464287176   3,859 34,937 SH   SOLE 0 3,859 0 0
iShares Core MSCI EAFE ETF ETF 46432F842   1,500 19,223 SH   SOLE 0 1,500 0 0
iShares Core MSCI Emerging Markets ETF ETF 46434G103   320 5,581 SH   SOLE 0 320 0 0
iShares Core S&P 500 ETF ETF 464287200   771 1,336 SH   SOLE 0 771 0 0
iShares Core S&P Mid-Cap ETF ETF 464287507   402 6,445 SH   SOLE 0 402 0 0
iShares Core US REIT ETF ETF 464288521   319 5,175 SH   SOLE 0 319 0 0
iShares Edge MSCI Mltfct USA SmCp ETF ETF 46434V290   1,153 17,384 SH   SOLE 0 1,153 0 0
iShares Edge MSCI Multifactor Intl ETF ETF 46434V274   16,888 537,332 SH   SOLE 0 16,888 0 0
iShares Edge MSCI Multifactor USA ETF ETF 46434V282   12,970 220,691 SH   SOLE 0 12,970 0 0
iShares Emerging Markets Local Currency Bond ETF ETF 464286517   267 6,938 SH   SOLE 0 267 0 0
iShares Global Clean Energy ETF ETF 464288224   220 14,964 SH   SOLE 0 220 0 0
iShares JPMorgan USD Emerg Markets Bond ETF ETF 464288281   5,738 61,313 SH   SOLE 0 5,738 0 0
iShares MBS Bond ETF ETF 464288588   2,442 25,485 SH   SOLE 0 2,442 0 0
iShares MSCI EAFE ETF ETF 464287465   12,235 146,299 SH   SOLE 0 12,235 0 0
iShares MSCI EAFE Min Volatility ETF ETF 46429B689   1,130 14,736 SH   SOLE 0 1,130 0 0
iShares MSCI Emerging Markets Index ETF ETF 464287234   2,122 46,270 SH   SOLE 0 2,122 0 0
iShares Natl Amt-Free Muni Bond ETF ETF 464288414   7,076 65,140 SH   SOLE 0 7,076 0 0
iShares Russell 1000 ETF ETF 464287622   368 1,170 SH   SOLE 0 368 0 0
iShares Russell 1000 Growth ETF iShares 464287614   313 835 SH   SOLE 0 313 0 0
iShares Russell 1000 Value ETF iShares 464287598   1,359 7,162 SH   SOLE 0 1,359 0 0
iShares Russell Mid-cap Value ETF ETF 464287473   284 2,146 SH   SOLE 0 284 0 0
iShares S&P 100 ETF iShares 464287101   342 1,234 SH   SOLE 0 342 0 0
iShares S&P Mid-Cap 400 Value ETF ETF 464287705   438 3,540 SH   SOLE 0 438 0 0
iShares S&P Small-Cap 600 Value ETF ETF 464287879   241 2,238 SH   SOLE 0 241 0 0
iShares S&P Small-Cap ETF ETF 464287804   389 3,330 SH   SOLE 0 389 0 0
iShares Short-Term National Muni Bond ETF ETF 464288158   498 4,692 SH   SOLE 0 498 0 0
iShares Trust - U.S. Treasury Bond ETF iShares 46429B267   890 37,942 SH   SOLE 0 890 0 0
J M Smuckers Co com 832696405   1,917 15,829 SH   SOLE 0 1,917 0 0
J P Morgan Chase & Co. com 46625H100   12,917 61,260 SH   SOLE 0 12,917 0 0
Jabil Circuit Inc. com 466313103   6,252 52,173 SH   SOLE 0 6,252 0 0
Janus Henderson Group com G4474Y214   306 8,029 SH   SOLE 0 306 0 0
Janus Henderson Mortgage-Backed ETF ETF 47103U852   45,075 966,240 SH   SOLE 0 45,075 0 0
Johnson & Johnson com 478160104   7,559 46,644 SH   SOLE 0 7,559 0 0
JPMorgan Diversified Return U.S. Equity ETF ETF 46641Q407   495 4,136 SH   SOLE 0 495 0 0
JPMorgan Ultra-Short Income ETF ETF 46641Q837   3,604 71,038 SH   SOLE 0 3,604 0 0
Juniper Networks Inc com 48203R104   1,195 30,660 SH   SOLE 0 1,195 0 0
K L A Tencor Corp com 482480100   2,363 3,052 SH   SOLE 0 2,363 0 0
Kellogg Company com 487836108   384 4,752 SH   SOLE 0 384 0 0
Kimberly-Clark Corp com 494368103   497 3,494 SH   SOLE 0 497 0 0
Kinder Morgan, Inc. com 49456B101   1,683 76,185 SH   SOLE 0 1,683 0 0
Kosmos Energy Ltd com 500688106   43 10,650 SH   SOLE 0 43 0 0
Kroger Company com 501044101   14,082 245,762 SH   SOLE 0 14,082 0 0
Lab Cp Of Amer Hldg New com 504922105   1,647 7,371 SH   SOLE 0 1,647 0 0
LAM Research Corporation com 512807108   591 725 SH   SOLE 0 591 0 0
Lamar Advertising Co A com 512816109   382 2,857 SH   SOLE 0 382 0 0
Leidos Holdings Inc com 525327102   1,632 10,009 SH   SOLE 0 1,632 0 0
Lennar Corp Cl A com 526057104   3,910 20,855 SH   SOLE 0 3,910 0 0
LKQ Corp. com 501889208   702 17,594 SH   SOLE 0 702 0 0
Lockheed Martin Corp com 539830109   6,265 10,717 SH   SOLE 0 6,265 0 0
Louisiana-Pacific Corp com 546347105   396 3,686 SH   SOLE 0 396 0 0
Lowes Companies Inc com 548661107   7,914 29,220 SH   SOLE 0 7,914 0 0
LyondellBasell Industrials NV com N53745100   5,992 62,482 SH   SOLE 0 5,992 0 0
Manulife Financial Corporation com 56501R106   9,759 330,254 SH   SOLE 0 9,759 0 0
Marathon Oil Company com 565849106   353 13,271 SH   SOLE 0 353 0 0
Marathon Petroleum Corporation com 56585A102   3,921 24,068 SH   SOLE 0 3,921 0 0
Masco Corporation com 574599106   1,184 14,111 SH   SOLE 0 1,184 0 0
Mastercard Incorporated com 57636Q104   552 1,118 SH   SOLE 0 552 0 0
McDonald's Corp. com 580135101   1,905 6,256 SH   SOLE 0 1,905 0 0
McKesson HBOC Inc com 58155Q103   9,258 18,725 SH   SOLE 0 9,258 0 0
MDU Resources Group, Inc. com 552690109   1,008 36,782 SH   SOLE 0 1,008 0 0
Medtronic PLC com G5960L103   2,258 25,076 SH   SOLE 0 2,258 0 0
Merck & Co Inc com 58933Y105   5,001 44,039 SH   SOLE 0 5,001 0 0
Meta Platforms, Inc. com 30303M102   12,320 21,522 SH   SOLE 0 12,320 0 0
Metlife Inc com 59156R108   5,379 65,214 SH   SOLE 0 5,379 0 0
MGIC Investment Corp com 552848103   5,653 220,805 SH   SOLE 0 5,653 0 0
Microchip Technology Inc com 595017104   4,413 54,964 SH   SOLE 0 4,413 0 0
Microsoft Corp com 594918104   25,065 58,250 SH   SOLE 0 25,065 0 0
Morgan Stanley com 617446448   1,577 15,132 SH   SOLE 0 1,577 0 0
Murphy USA, Inc com 626755102   571 1,159 SH   SOLE 0 571 0 0
National Fuel Gas Co com 636180101   1,841 30,380 SH   SOLE 0 1,841 0 0
Network Appliance Inc com 64110D104   4,843 39,213 SH   SOLE 0 4,843 0 0
Newmont Mining Corp com 651639106   283 5,286 SH   SOLE 0 283 0 0
Nexstar Media Group com 65336K103   6,263 37,905 SH   SOLE 0 6,263 0 0
Norfolk Southern Corp com 655844108   211 848 SH   SOLE 0 211 0 0
Northrop Grumman Corp com 666807102   1,638 3,102 SH   SOLE 0 1,638 0 0
NortonLifeLock Inc. com 668771108   321 11,686 SH   SOLE 0 321 0 0
Novartis A G Spon Adr ADR 66987V109   2,178 18,938 SH   SOLE 0 2,178 0 0
NRG Energy, Inc com 629377508   842 9,247 SH   SOLE 0 842 0 0
Nucor Corp com 670346105   3,740 24,878 SH   SOLE 0 3,740 0 0
Nutrien Ltd. com 67077M108   391 8,141 SH   SOLE 0 391 0 0
Nvidia Corp com 67066G104   1,298 10,687 SH   SOLE 0 1,298 0 0
NXP Semiconductors NV com N6596X109   239 997 SH   SOLE 0 239 0 0
OGE Energy Corp com 670837103   744 18,129 SH   SOLE 0 744 0 0
Old Republic International Corporation com 680223104   674 19,025 SH   SOLE 0 674 0 0
Omnicom Group Inc com 681919106   11,619 112,382 SH   SOLE 0 11,619 0 0
Oracle Corporation com 68389X105   18,930 111,092 SH   SOLE 0 18,930 0 0
Organon & Co. Common Stock com 68622V106   517 27,007 SH   SOLE 0 517 0 0
Otis Worldwide Corp com 68902V107   388 3,734 SH   SOLE 0 388 0 0
Otter Tail Corporation com 689648103   752 9,618 SH   SOLE 0 752 0 0
Owens Corning Inc. com 690742101   6,653 37,688 SH   SOLE 0 6,653 0 0
Oxford Industries, Inc. com 691497309   777 8,951 SH   SOLE 0 777 0 0
PACCAR Inc com 693718108   8,082 81,901 SH   SOLE 0 8,082 0 0
Pacer Benchmark Data & Infrastructure Real Estate ETF com 69374H741   11,758 365,830 SH   SOLE 0 11,758 0 0
Packaging Corp of America com 695156109   205 954 SH   SOLE 0 205 0 0
Parker-Hannifin Corporation com 701094104   376 595 SH   SOLE 0 376 0 0
Patrick Industries Inc. com 703343103   2,411 16,936 SH   SOLE 0 2,411 0 0
Patterson Companies Inc. com 703395103   1,426 65,266 SH   SOLE 0 1,426 0 0
PennyMac Financial Services, Inc. com 70932M107   239 2,098 SH   SOLE 0 239 0 0
PepsiCo Incorporated com 713448108   1,024 6,019 SH   SOLE 0 1,024 0 0
Petroleo Brasileiro ADR 71654V408   1,900 131,834 SH   SOLE 0 1,900 0 0
Pfizer Incorporated com 717081103   4,205 145,301 SH   SOLE 0 4,205 0 0
Phillips 66 com 718546104   511 3,886 SH   SOLE 0 511 0 0
PIMCO Intermediate Muni Bond Strgy ETF ETF 72201R866   3,233 61,019 SH   SOLE 0 3,233 0 0
PNC Financial Services com 693475105   305 1,651 SH   SOLE 0 305 0 0
Popular Inc com 733174700   539 5,375 SH   SOLE 0 539 0 0
PPG Industries Inc com 693506107   210 1,588 SH   SOLE 0 210 0 0
Prestige Brands Holdings, Inc. com 74112D101   222 3,083 SH   SOLE 0 222 0 0
PriceSmart, Inc. com 741511109   1,192 12,984 SH   SOLE 0 1,192 0 0
Principal Financial Group Inc. com 74251V102   2,715 31,605 SH   SOLE 0 2,715 0 0
Procter & Gamble com 742718109   12,804 73,925 SH   SOLE 0 12,804 0 0
Progressive Corp. com 743315103   1,119 4,411 SH   SOLE 0 1,119 0 0
Prudential Financial Inc com 744320102   6,328 52,258 SH   SOLE 0 6,328 0 0
Pub Svc Enterprise Group com 744573106   343 3,842 SH   SOLE 0 343 0 0
PulteGroup Inc com 745867101   10,226 71,245 SH   SOLE 0 10,226 0 0
Qualcomm Inc com 747525103   2,965 17,436 SH   SOLE 0 2,965 0 0
Quest Diagnostic Inc com 74834L100   5,234 33,716 SH   SOLE 0 5,234 0 0
Range Resources Corporation com 75281A109   714 23,205 SH   SOLE 0 714 0 0
Raytheon Technologies Co com 75513E101   1,112 9,174 SH   SOLE 0 1,112 0 0
Regions Financial Cp New com 7591EP100   2,145 91,926 SH   SOLE 0 2,145 0 0
Reinsurance Group of America com 759351604   2,084 9,564 SH   SOLE 0 2,084 0 0
Reliance Steel & Aluminum Co com 759509102   3,445 11,911 SH   SOLE 0 3,445 0 0
Republic Services, Inc com 760759100   241 1,198 SH   SOLE 0 241 0 0
Ross Stores, Inc com 778296103   236 1,567 SH   SOLE 0 236 0 0
Schwab Emerging Mkts Equity ETF ETF 808524706   1,055 36,146 SH   SOLE 0 1,055 0 0
Schwab Fundamental Emerg Mkts Lg Co ETF ETF 808524730   42,803 1,326,394 SH   SOLE 0 42,803 0 0
Schwab Fundamental Intl Lg Co ETF ETF 808524755   90,067 2,410,146 SH   SOLE 0 90,067 0 0
Schwab Fundamental US Broad Mkt ETF ETF 808524789   277 3,933 SH   SOLE 0 277 0 0
Schwab Fundamental US Large Company ETF ETF 808524771   6,852 95,491 SH   SOLE 0 6,852 0 0
Schwab Fundamental US Small Company ETF ETF 808524763   14,413 241,952 SH   SOLE 0 14,413 0 0
Schwab Intermediate-Term U.S. Trsy ETF ETF 808524854   32,581 643,896 SH   SOLE 0 32,581 0 0
Schwab International Equity ETF ETF 808524805   61,819 1,503,385 SH   SOLE 0 61,819 0 0
Schwab Short-Term U.S. Treasury ETF ETF 808524862   262 5,358 SH   SOLE 0 262 0 0
Schwab U.S. Dividend Equity ETF ETF 808524797   311 3,685 SH   SOLE 0 311 0 0
Schwab U.S. REIT ETF ETF 808524847   20,807 898,033 SH   SOLE 0 20,807 0 0
Schwab U.S. Small-Cap ETF ETF 808524607   321 6,225 SH   SOLE 0 321 0 0
Schwab US Broad Mkt ETF ETF 808524102   680 10,217 SH   SOLE 0 680 0 0
Schwab US TIPS ETF ETF 808524870   19,791 369,019 SH   SOLE 0 19,791 0 0
Scorpio Tankers, Inc. com Y7542C130   647 9,078 SH   SOLE 0 647 0 0
Seagate Technology PLC F com G7997R103   528 4,822 SH   SOLE 0 528 0 0
Select Medical Holdings Corp com 81619Q105   352 10,082 SH   SOLE 0 352 0 0
Shell plc com 780259305   1,870 28,353 SH   SOLE 0 1,870 0 0
Simon Ppty Group New com 828806109   529 3,128 SH   SOLE 0 529 0 0
Snap On Inc com 833034101   6,022 20,786 SH   SOLE 0 6,022 0 0
SPDR Barclays Cap Interm Term Corp Bond ETF ETF 78464A375   3,876 114,984 SH   SOLE 0 3,876 0 0
SPDR Nuveen S&P High Yield Muni Bond ETF ETF 78464A284   274 10,425 SH   SOLE 0 274 0 0
SPDR Portfolio High Yield Bond ETF ETF 78468R606   1,398 58,110 SH   SOLE 0 1,398 0 0
SPDR Portfolio Mortgage Backed Bond ETF ETF 78464A383   335 14,874 SH   SOLE 0 335 0 0
SPDR S&P 500 ETF ETF 78462F103   6,490 11,311 SH   SOLE 0 6,490 0 0
Sprouts Farmers Market com 85208M102   2,396 21,698 SH   SOLE 0 2,396 0 0
SS&C Technologies Holdings, Inc. com 78467J100   770 10,377 SH   SOLE 0 770 0 0
State Street Corp com 857477103   264 2,988 SH   SOLE 0 264 0 0
Steel Dynamics, Inc. com 858119100   4,122 32,697 SH   SOLE 0 4,122 0 0
Stryker Corp com 863667101   700 1,939 SH   SOLE 0 700 0 0
Sylvamo Corporation com 871332102   982 11,439 SH   SOLE 0 982 0 0
Synchrony Financial com 87165B103   1,600 32,068 SH   SOLE 0 1,600 0 0
SYNNEX Corp. com 87162W100   2,258 18,806 SH   SOLE 0 2,258 0 0
T. Rowe Price Group, Inc. com 74144T108   471 4,328 SH   SOLE 0 471 0 0
Taiwan Semiconductor Manufacturing Co. com 874039100   311 1,788 SH   SOLE 0 311 0 0
Tapestry Inc com 876030107   1,417 30,159 SH   SOLE 0 1,417 0 0
Target Corporation com 87612E106   3,590 23,034 SH   SOLE 0 3,590 0 0
Taylor Morrison Home Corporation com 87724P106   1,607 22,878 SH   SOLE 0 1,607 0 0
TE Connectivity Ltd. com G87052109   2,713 17,966 SH   SOLE 0 2,713 0 0
TEGNA, Inc. com 87901J105   246 15,559 SH   SOLE 0 246 0 0
Tenet Healthcare Corp com 88033G407   578 3,479 SH   SOLE 0 578 0 0
Texas Instruments Inc com 882508104   5,702 27,601 SH   SOLE 0 5,702 0 0
The Andersons Inc. com 034164103   610 12,161 SH   SOLE 0 610 0 0
The Kraft Heinz Company com 500754106   4,543 129,400 SH   SOLE 0 4,543 0 0
The Real Estate Select Sector SPDR Fund com 81369Y860   4,728 105,849 SH   SOLE 0 4,728 0 0
Thermo Fisher Scientific Inc. com 883556102   3,693 5,971 SH   SOLE 0 3,693 0 0
TJX Cos Inc com 872540109   2,241 19,065 SH   SOLE 0 2,241 0 0
Toronto-Dominion Bank com 891160509   1,606 25,395 SH   SOLE 0 1,606 0 0
Tortoise North American Pipeline Fund com 56167N720   22,263 709,480 SH   SOLE 0 22,263 0 0
TotalEnergies SE ADS 89151E109   2,497 38,647 SH   SOLE 0 2,497 0 0
Toyota Motor Corporation ADR 892331307   7,484 41,909 SH   SOLE 0 7,484 0 0
Trane Technologies plc com G8994E103   246 634 SH   SOLE 0 246 0 0
Travel & Leisure Co. com 894164102   478 10,366 SH   SOLE 0 478 0 0
Travelers Companies Inc com 89417E109   4,918 21,006 SH   SOLE 0 4,918 0 0
Truist Financial Corp com 89832Q109   472 11,037 SH   SOLE 0 472 0 0
Twenty-First Century Fox, Inc. Cl A com 35137L105   7,910 186,860 SH   SOLE 0 7,910 0 0
Tyson Foods Inc com 902494103   1,129 18,955 SH   SOLE 0 1,129 0 0
UGI Corporation New com 902681105   2,664 106,466 SH   SOLE 0 2,664 0 0
Union Pacific com 907818108   3,275 13,289 SH   SOLE 0 3,275 0 0
United Parcel Service, Inc. com 911312106   294 2,158 SH   SOLE 0 294 0 0
United Rentals, Inc. com 911363109   6,663 8,229 SH   SOLE 0 6,663 0 0
UnitedHealth Group Inc. com 91324P102   3,560 6,089 SH   SOLE 0 3,560 0 0
Universal Health Services Inc. com 913903100   572 2,499 SH   SOLE 0 572 0 0
Unum Group com 91529Y106   6,807 114,516 SH   SOLE 0 6,807 0 0
US Bancorp com 902973304   428 9,366 SH   SOLE 0 428 0 0
Valero Energy Corp New com 91913Y100   2,809 20,802 SH   SOLE 0 2,809 0 0
VanEck Long Muni ETF ETF 92189F536   428 23,394 SH   SOLE 0 428 0 0
VanEck Short High Yield Muni ETF ETF 92189F387   274 12,070 SH   SOLE 0 274 0 0
VanEck Vectors Gold Miners ETF ETF 92189F106   392 9,856 SH   SOLE 0 392 0 0
VanEck Vectors High-Yield Muni ETF ETF 92189H409   741 13,959 SH   SOLE 0 741 0 0
VanEck Vectors Junior Gold Miners ETF ETF 92189F791   688 14,095 SH   SOLE 0 688 0 0
Vanguard Dividend Appreciation ETF ETF 921908844   689 3,479 SH   SOLE 0 689 0 0
Vanguard Emerging Markets Stock ETF ETF 922042858   544 11,369 SH   SOLE 0 544 0 0
Vanguard FTSE Developed Markets ETF ETF 921943858   236 4,475 SH   SOLE 0 236 0 0
Vanguard Interm-Tm Govt Bd Inx ETF ETF 92206C706   6,733 111,430 SH   SOLE 0 6,733 0 0
Vanguard Reit Index ETF ETF 922908553   26,502 272,034 SH   SOLE 0 26,502 0 0
Vanguard Russell 1000 ETF ETF 92206C730   4,068 15,643 SH   SOLE 0 4,068 0 0
Vanguard S&P 500 ETF ETF 922908363   697 1,320 SH   SOLE 0 697 0 0
Vanguard Small Cap Value ETF ETF 922908611   4,063 20,238 SH   SOLE 0 4,063 0 0
Vanguard Tax-Exempt Bond Index ETF ETF 922907746   12,400 242,562 SH   SOLE 0 12,400 0 0
Vanguard Total Bond Market ETF ETF 921937835   5,552 73,922 SH   SOLE 0 5,552 0 0
Vanguard Total International Stock ETF ETF 921909768   220 3,399 SH   SOLE 0 220 0 0
Vanguard Total Stock Market ETF ETF 922908769   873 3,083 SH   SOLE 0 873 0 0
Vanguard Value ETF ETF 922908744   1,004 5,749 SH   SOLE 0 1,004 0 0
Verizon Communications com 92343V104   4,857 108,142 SH   SOLE 0 4,857 0 0
Vertex Pharmaceuticals Inc. com 92532F100   208 447 SH   SOLE 0 208 0 0
Viatris Inc com 92556V106   553 47,656 SH   SOLE 0 553 0 0
Visa, Inc. com 92826C839   2,832 10,301 SH   SOLE 0 2,832 0 0
Vishay Intertechnology Inc. com 928298108   1,733 91,664 SH   SOLE 0 1,733 0 0
Vistra Corp. com 92840M102   298 2,514 SH   SOLE 0 298 0 0
Vontier Corp com 928881101   1,563 46,327 SH   SOLE 0 1,563 0 0
W.W. Grainger, Inc. com 384802104   329 317 SH   SOLE 0 329 0 0
Wal-Mart Stores Inc com 931142103   8,592 106,399 SH   SOLE 0 8,592 0 0
Wells Fargo & Company com 949746101   289 5,112 SH   SOLE 0 289 0 0
Williams Sonoma com 969904101   1,988 12,835 SH   SOLE 0 1,988 0 0
Xtrackers Muni Infra Rev Bond ETF ETF 233051705   257 9,829 SH   SOLE 0 257 0 0