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
Apple Computer Inc com 037833100   42,019 254,815 SH   SOLE 0 42,019 0 0
AbbVie Inc. com 00287Y109   9,028 56,649 SH   SOLE 0 9,028 0 0
Amerisource Bergen com 03073E105   1,299 8,112 SH   SOLE 0 1,299 0 0
Abbott Laboratories com 002824100   414 4,085 SH   SOLE 0 414 0 0
Albertsons Companies, Inc. com 013091103   258 12,412 SH   SOLE 0 258 0 0
Accenture Ltd Cl A com G1151C101   4,917 17,204 SH   SOLE 0 4,917 0 0
Archer-Daniels-Midland Co. com 039483102   3,067 38,500 SH   SOLE 0 3,067 0 0
Automatic Data Processing, Inc. com 053015103   1,633 7,336 SH   SOLE 0 1,633 0 0
American Electric Power Co., Inc com 025537101   249 2,732 SH   SOLE 0 249 0 0
AES Corporation com 00130H105   1,297 53,868 SH   SOLE 0 1,297 0 0
American Financial Group com 025932104   2,096 17,254 SH   SOLE 0 2,096 0 0
AFLAC Inc com 001055102   6,491 100,600 SH   SOLE 0 6,491 0 0
Armada Hoffler Properties, Inc. com 04208T108   2,942 249,103 SH   SOLE 0 2,942 0 0
American Intl Group Inc com 026874784   686 13,623 SH   SOLE 0 686 0 0
Allstate Corporation com 020002101   848 7,649 SH   SOLE 0 848 0 0
Allison Transmission Holdings, INc. com 01973R101   2,455 54,262 SH   SOLE 0 2,455 0 0
Applied Materials Inc com 038222105   1,072 8,729 SH   SOLE 0 1,072 0 0
Amgen Incorporated com 031162100   8,886 36,755 SH   SOLE 0 8,886 0 0
Amkor Technology Inc com 031652100   732 28,137 SH   SOLE 0 732 0 0
Ameriprise Financial, Inc. com 03076C106   6,579 21,464 SH   SOLE 0 6,579 0 0
American Tower Corporation com 03027X100   3,635 17,791 SH   SOLE 0 3,635 0 0
The Andersons Inc. com 034164103   569 13,782 SH   SOLE 0 569 0 0
Arrow Electronics, Inc. com 042735100   1,150 9,211 SH   SOLE 0 1,150 0 0
Academy Sports and Outdoors, Inc. com 00402L107   887 13,599 SH   SOLE 0 887 0 0
Activision Inc com 00507V109   4,335 50,652 SH   SOLE 0 4,335 0 0
Avantis Emerging Markets Equity ETF ETF 025072604   28,550 539,796 SH   SOLE 0 28,550 0 0
Broadcom Limited com 11135F101   3,979 6,202 SH   SOLE 0 3,979 0 0
Avnet, Inc. com 053807103   5,400 119,458 SH   SOLE 0 5,400 0 0
Avantis US Small Cap Value ETF com 025072877   1,207 16,299 SH   SOLE 0 1,207 0 0
American Express Company com 025816109   257 1,557 SH   SOLE 0 257 0 0
AutoZone Inc com 053332102   2,800 1,139 SH   SOLE 0 2,800 0 0
Bank of America Corp com 060505104   795 27,787 SH   SOLE 0 795 0 0
Booz Allen Hamilton Holdings Corporation com 099502106   843 9,091 SH   SOLE 0 843 0 0
Best Buy Inc com 086516101   3,832 48,960 SH   SOLE 0 3,832 0 0
Belden Inc com 077454106   2,343 27,007 SH   SOLE 0 2,343 0 0
Becton Dickinson & Co com 075887109   2,641 10,669 SH   SOLE 0 2,641 0 0
Franklin Resources Inc com 354613101   388 14,389 SH   SOLE 0 388 0 0
Bunge Ltd. com G16962105   893 9,348 SH   SOLE 0 893 0 0
Bank of Montreal com 063671101   2,074 23,279 SH   SOLE 0 2,074 0 0
Bristol-Myers Squibb Co com 110122108   3,079 44,427 SH   SOLE 0 3,079 0 0
Vanguard Total Bond Market ETF ETF 921937835   4,881 66,110 SH   SOLE 0 4,881 0 0
Broadstone Net Lease, Inc. com 11135E203   205 12,041 SH   SOLE 0 205 0 0
BP PLC Adr ADR 055622104   870 22,935 SH   SOLE 0 870 0 0
Popular Inc com 733174700   790 13,766 SH   SOLE 0 790 0 0
Berkshire Hathaway Cl B com 084670702   235 761 SH   SOLE 0 235 0 0
BorgWarner Inc com 099724106   923 18,802 SH   SOLE 0 923 0 0
Citigroup Inc com 172967424   226 4,827 SH   SOLE 0 226 0 0
ConAgra Brands, Inc. com 205887102   1,349 35,905 SH   SOLE 0 1,349 0 0
Cardinal Health Inc com 14149Y108   2,897 38,372 SH   SOLE 0 2,897 0 0
Carrier Global Corp com 14448C104   656 14,332 SH   SOLE 0 656 0 0
Caterpillar Inc com 149123101   3,307 14,452 SH   SOLE 0 3,307 0 0
Chubb Ltd com H1467J104   1,219 6,280 SH   SOLE 0 1,219 0 0
Cabot Corporation com 127055101   1,417 18,491 SH   SOLE 0 1,417 0 0
The Chemours Company com 163851108   222 7,407 SH   SOLE 0 222 0 0
Crown Castle Intl Corp (REIT) com 22822V101   1,318 9,847 SH   SOLE 0 1,318 0 0
Century Communities, Inc com 156504300   295 4,613 SH   SOLE 0 295 0 0
CDW Corporation com 12514G108   4,537 23,279 SH   SOLE 0 4,537 0 0
Celanese Corporation com 150870103   764 7,018 SH   SOLE 0 764 0 0
Constellation Energy Co com 21037T109   1,306 16,643 SH   SOLE 0 1,306 0 0
Consol Energy, Inc. com 20854L108   899 15,430 SH   SOLE 0 899 0 0
CF Industries Holdings, Inc. com 125269100   1,317 18,167 SH   SOLE 0 1,317 0 0
CIGNA Corp com 125523100   800 3,130 SH   SOLE 0 800 0 0
Cincinnati Financial Cp com 172062101   652 5,813 SH   SOLE 0 652 0 0
Civitas Resources, Inc. com 17888H103   577 8,443 SH   SOLE 0 577 0 0
Comcast Corp com 20030N101   374 9,875 SH   SOLE 0 374 0 0
Cummins Inc com 231021106   6,797 28,452 SH   SOLE 0 6,797 0 0
CMS Energy Corp com 125896100   654 10,648 SH   SOLE 0 654 0 0
Canadian Natl RR Co. com 136375102   630 5,342 SH   SOLE 0 630 0 0
Canadian Natural Resources Limited com 136385101   1,234 22,291 SH   SOLE 0 1,234 0 0
Concentrix Corp com 20602D101   445 3,663 SH   SOLE 0 445 0 0
ConocoPhillips com 20825C104   1,128 11,369 SH   SOLE 0 1,128 0 0
Costco Whsl Corp New com 22160K105   336 676 SH   SOLE 0 336 0 0
Camden Property Trust com 133131102   6,346 60,533 SH   SOLE 0 6,346 0 0
Americas Car-Mart Inc com 03062T105   293 3,700 SH   SOLE 0 293 0 0
Cisco Systems Inc com 17275R102   11,497 219,923 SH   SOLE 0 11,497 0 0
Coterra Energy Inc. com 127097103   248 10,094 SH   SOLE 0 248 0 0
Cognizant Technology Solutions Corp. com 192446102   2,135 35,035 SH   SOLE 0 2,135 0 0
CubeSmart com 229663109   2,598 56,218 SH   SOLE 0 2,598 0 0
C V S Caremark Corp. com 126650100   5,901 79,405 SH   SOLE 0 5,901 0 0
Chevron Corp com 166764100   4,189 25,676 SH   SOLE 0 4,189 0 0
Crane Company com 224399105   561 4,946 SH   SOLE 0 561 0 0
Deere & Co com 244199105   1,177 2,850 SH   SOLE 0 1,177 0 0
Dimensional Emerging Core Equity Market ETF ETF 25434V302   1,070 46,464 SH   SOLE 0 1,070 0 0
Dimensional Emerging Markets ETF 25434V732   312 13,207 SH   SOLE 0 312 0 0
Discover Financial Services com 254709108   3,135 31,717 SH   SOLE 0 3,135 0 0
Quest Diagnostic Inc com 74834L100   5,495 38,836 SH   SOLE 0 5,495 0 0
D R Horton Co com 23331A109   7,143 73,121 SH   SOLE 0 7,143 0 0
Danaher Corp Del com 235851102   410 1,627 SH   SOLE 0 410 0 0
Disney Walt Hldg Co com 254687106   445 4,442 SH   SOLE 0 445 0 0
Dick's Sporting Goods Inc. com 253393102   6,748 47,561 SH   SOLE 0 6,748 0 0
Dover Corporation com 260003108   434 2,855 SH   SOLE 0 434 0 0
Amdocs Limited Common Stock com G02602103   2,439 25,398 SH   SOLE 0 2,439 0 0
DoubleLine Income Solutions Fund com 258622109   855 75,164 SH   SOLE 0 855 0 0
Devon Energy Corp com 25179M103   378 7,460 SH   SOLE 0 378 0 0
Electronic Arts Inc. com 285512109   1,559 12,947 SH   SOLE 0 1,559 0 0
iShares MSCI Emerging Markets Index ETF ETF 464287234   2,934 74,364 SH   SOLE 0 2,934 0 0
iShares MSCI EAFE ETF ETF 464287465   12,932 180,817 SH   SOLE 0 12,932 0 0
iShares MSCI EAFE Min Volatility ETF ETF 46429B689   2,540 37,545 SH   SOLE 0 2,540 0 0
EastGroup Properties Inc. com 277276101   351 2,121 SH   SOLE 0 351 0 0
Encompass Health Corp com 29261A100   1,248 23,066 SH   SOLE 0 1,248 0 0
Edison International com 281020107   2,230 31,584 SH   SOLE 0 2,230 0 0
Elevance Health Inc. com 036752103   1,068 2,323 SH   SOLE 0 1,068 0 0
iShares JPMorgan USD Emerg Markets Bond ETF ETF 464288281   7,239 83,899 SH   SOLE 0 7,239 0 0
Emerson Electric Co com 291011104   869 9,969 SH   SOLE 0 869 0 0
EOG Resources, Inc com 26875P101   4,895 42,698 SH   SOLE 0 4,895 0 0
Equitable Holdings, Inc. com 29452E101   3,197 125,910 SH   SOLE 0 3,197 0 0
Equinor ASA ADR 29446M102   252 8,867 SH   SOLE 0 252 0 0
Eaton Corporation plc com G29183103   2,999 17,501 SH   SOLE 0 2,999 0 0
Entergy Corp New com 29364G103   1,151 10,687 SH   SOLE 0 1,151 0 0
Exelon Corporation com 30161N101   2,450 58,493 SH   SOLE 0 2,450 0 0
Expeditors International of Washington Inc. com 302130109   460 4,173 SH   SOLE 0 460 0 0
Ford Motor Company com 345370860   1,208 95,906 SH   SOLE 0 1,208 0 0
First American Financial Corp com 31847R102   273 4,902 SH   SOLE 0 273 0 0
Diamondback Energy, Inc. com 25278X109   720 5,325 SH   SOLE 0 720 0 0
First BanCorp. com 318672706   169 14,773 SH   SOLE 0 169 0 0
FedEx Corp. com 31428X106   826 3,616 SH   SOLE 0 826 0 0
Fiserv, Inc. com 337738108   239 2,111 SH   SOLE 0 239 0 0
Fifth Third Bancorp com 316773100   1,123 42,166 SH   SOLE 0 1,123 0 0
First Trust Managed Municipal ETF ETF 33739N108   2,086 40,947 SH   SOLE 0 2,086 0 0
Schwab Fundamental US Small Company ETF ETF 808524763   12,120 249,022 SH   SOLE 0 12,120 0 0
Schwab Fundamental Emerg Mkts Lg Co ETF ETF 808524730   36,093 1,385,533 SH   SOLE 0 36,093 0 0
Schwab Fundamental Intl Lg Co ETF ETF 808524755   66,191 2,116,765 SH   SOLE 0 66,191 0 0
Schwab Fundamental US Large Company ETF ETF 808524771   4,886 88,963 SH   SOLE 0 4,886 0 0
Fidelity National Finl. com 31620R303   2,290 65,552 SH   SOLE 0 2,290 0 0
Twenty-First Century Fox, Inc. Cl A com 35137L105   4,059 119,206 SH   SOLE 0 4,059 0 0
First Industrial Rlty Trust com 32054K103   1,520 28,570 SH   SOLE 0 1,520 0 0
Fidelity MSCI Real Estate Index ETF ETF 316092857   393 15,763 SH   SOLE 0 393 0 0
General Dynamics Corp com 369550108   6,223 27,270 SH   SOLE 0 6,223 0 0
VanEck Vectors Gold Miners ETF ETF 92189F106   295 9,106 SH   SOLE 0 295 0 0
VanEck Vectors Junior Gold Miners ETF ETF 92189F791   557 14,095 SH   SOLE 0 557 0 0
NortonLifeLock Inc. com 668771108   430 25,042 SH   SOLE 0 430 0 0
Gilead Sciences Inc com 375558103   485 5,848 SH   SOLE 0 485 0 0
General Mills Inc com 370334104   2,884 33,749 SH   SOLE 0 2,884 0 0
Corning Inc com 219350105   5,597 158,643 SH   SOLE 0 5,597 0 0
iShares GNMA Bond ETF iShares 46429B333   213 4,798 SH   SOLE 0 213 0 0
Alphabet Inc Class C com 02079K107   10,515 101,104 SH   SOLE 0 10,515 0 0
Alphabet Inc Class A com 02079K305   814 7,846 SH   SOLE 0 814 0 0
iShares Trust - U.S. Treasury Bond ETF iShares 46429B267   812 34,730 SH   SOLE 0 812 0 0
Genuine Parts Co com 372460105   530 3,169 SH   SOLE 0 530 0 0
Group 1 Automotive, Inc. com 398905109   2,652 11,714 SH   SOLE 0 2,652 0 0
Goldman Sachs Group Inc com 38141G104   2,275 6,956 SH   SOLE 0 2,275 0 0
W.W. Grainger, Inc. com 384802104   245 356 SH   SOLE 0 245 0 0
Hasbro Inc com 418056107   865 16,110 SH   SOLE 0 865 0 0
Huntington Bancshares Incorporated com 446150104   219 19,567 SH   SOLE 0 219 0 0
HCA Holdings, Inc. com 40412C101   8,483 32,171 SH   SOLE 0 8,483 0 0
Home Depot Inc com 437076102   2,709 9,180 SH   SOLE 0 2,709 0 0
Hartford Financial Services com 416515104   5,938 85,202 SH   SOLE 0 5,938 0 0
Honda Motor Co Adr com 438128308   1,742 65,758 SH   SOLE 0 1,742 0 0
Honeywell International com 438516106   1,937 10,133 SH   SOLE 0 1,937 0 0
Hewlett Packard Enterprise Comp com 42824C109   5,792 363,588 SH   SOLE 0 5,792 0 0
HP Inc. com 40434L105   4,688 159,723 SH   SOLE 0 4,688 0 0
Henry Schein, Inc. com 806407102   222 2,725 SH   SOLE 0 222 0 0
Host Hotels & Resorts Inc. com 44107P104   1,481 89,814 SH   SOLE 0 1,481 0 0
VanEck Vectors High-Yield Muni ETF ETF 92189H409   1,018 19,678 SH   SOLE 0 1,018 0 0
SPDR Nuveen S&P High Yield Muni Bond ETF ETF 78464A284   212 8,486 SH   SOLE 0 212 0 0
Intl Business Machines com 459200101   4,213 32,138 SH   SOLE 0 4,213 0 0
iShares Global Clean Energy ETF ETF 464288224   314 15,884 SH   SOLE 0 314 0 0
iShares Core MSCI EAFE ETF ETF 46432F842   1,103 16,500 SH   SOLE 0 1,103 0 0
iShares Core MSCI Emerging Markets ETF ETF 46434G103   270 5,529 SH   SOLE 0 270 0 0
iShares Core S&P Mid-Cap ETF ETF 464287507   218 872 SH   SOLE 0 218 0 0
iShares S&P Mid-Cap 400 Value ETF ETF 464287705   404 3,930 SH   SOLE 0 404 0 0
iShares S&P Small-Cap ETF ETF 464287804   354 3,660 SH   SOLE 0 354 0 0
iShares S&P Small-Cap 600 Value ETF iShares 464287879   213 2,277 SH   SOLE 0 213 0 0
INDUS Realty Trust, Inc. com 45580R103   256 3,867 SH   SOLE 0 256 0 0
Infosys Limited ADR 456788108   4,964 284,613 SH   SOLE 0 4,964 0 0
Ingredion Incorporated com 457187102   282 2,773 SH   SOLE 0 282 0 0
Intel Corp com 458140100   399 12,215 SH   SOLE 0 399 0 0
iShares Edge MSCI Multifactor Intl ETF ETF 46434V274   16,714 630,947 SH   SOLE 0 16,714 0 0
Invitation Homes Inc. com 46187W107   389 12,465 SH   SOLE 0 389 0 0
Interpublic Group of Companies com 460690100   1,196 32,117 SH   SOLE 0 1,196 0 0
Iron Mountain Incorporated com 46284V101   1,283 24,255 SH   SOLE 0 1,283 0 0
Independence Realty Trust Inc. com 45378A106   296 18,445 SH   SOLE 0 296 0 0
VanEck Vectors Intermediate Muni ETF ETF 92189H201   521 11,210 SH   SOLE 0 521 0 0
Illinois Tool Works com 452308109   1,027 4,218 SH   SOLE 0 1,027 0 0
iShares Core S&P 500 ETF ETF 464287200   493 1,198 SH   SOLE 0 493 0 0
iShares Russell 1000 ETF ETF 464287622   354 1,573 SH   SOLE 0 354 0 0
iShares Russell 1000 Growth ETF iShares 464287614   206 843 SH   SOLE 0 206 0 0
iShares Russell Mid-cap Value ETF ETF 464287473   390 3,670 SH   SOLE 0 390 0 0
Jabil Circuit Inc. com 466313103   4,089 46,382 SH   SOLE 0 4,089 0 0
Johnson & Johnson com 478160104   6,894 44,479 SH   SOLE 0 6,894 0 0
Juniper Networks Inc com 48203R104   870 25,287 SH   SOLE 0 870 0 0
J P Morgan Chase & Co. com 46625H100   6,672 51,200 SH   SOLE 0 6,672 0 0
JPMorgan Ultra-Short Income ETF ETF 46641Q837   1,551 30,814 SH   SOLE 0 1,551 0 0
JPMorgan Diversified Return U.S. Equity ETF ETF 46641Q407   451 4,719 SH   SOLE 0 451 0 0
Kellogg Company com 487836108   347 5,189 SH   SOLE 0 347 0 0
The Kraft Heinz Company com 500754106   1,485 38,403 SH   SOLE 0 1,485 0 0
Kimco Realty Corp com 49446R109   225 11,499 SH   SOLE 0 225 0 0
K L A Tencor Corp com 482480100   437 1,096 SH   SOLE 0 437 0 0
Kimberly-Clark Corp com 494368103   607 4,522 SH   SOLE 0 607 0 0
Kinder Morgan, Inc. com 49456B101   2,003 114,404 SH   SOLE 0 2,003 0 0
Coca Cola Company com 191216100   321 5,178 SH   SOLE 0 321 0 0
Kroger Company com 501044101   11,269 228,266 SH   SOLE 0 11,269 0 0
Kilroy Realty Corp com 49427F108   1,007 31,079 SH   SOLE 0 1,007 0 0
Kite Realty Group com 49803T300   1,327 63,455 SH   SOLE 0 1,327 0 0
Lamar Advertising Co A com 512816109   2,268 22,708 SH   SOLE 0 2,268 0 0
Leidos Holdings Inc com 525327102   1,593 17,306 SH   SOLE 0 1,593 0 0
iShares Emerging Markets Local Currency Bond ETF ETF 464286517   2,721 75,469 SH   SOLE 0 2,721 0 0
Lennar Corp Cl A com 526057104   2,100 19,983 SH   SOLE 0 2,100 0 0
Lab Cp Of Amer Hldg New com 50540R409   1,663 7,249 SH   SOLE 0 1,663 0 0
LKQ Corp. com 501889208   6,310 111,170 SH   SOLE 0 6,310 0 0
Lockheed Martin Corp com 539830109   4,269 9,032 SH   SOLE 0 4,269 0 0
Lowes Companies Inc com 548661107   5,322 26,615 SH   SOLE 0 5,322 0 0
Louisiana-Pacific Corp com 546347105   396 7,303 SH   SOLE 0 396 0 0
iShares Edge MSCI Multifactor USA ETF ETF 46434V282   8,578 206,987 SH   SOLE 0 8,578 0 0
Life Storage Inc. com 53223X107   3,262 24,880 SH   SOLE 0 3,262 0 0
LTC Properties Inc. com 502175102   440 12,521 SH   SOLE 0 440 0 0
Lexington Realty Trust com 529043101   1,180 114,407 SH   SOLE 0 1,180 0 0
LyondellBasell Industrials NV com N53745100   4,268 45,457 SH   SOLE 0 4,268 0 0
Mastercard Incorporated com 57636Q104   555 1,527 SH   SOLE 0 555 0 0
The Macerich Co com 554382101   602 56,812 SH   SOLE 0 602 0 0
Masco Corporation com 574599106   622 12,515 SH   SOLE 0 622 0 0
iShares MBS Bond ETF ETF 464288588   15,541 164,058 SH   SOLE 0 15,541 0 0
McDonald's Corp. com 580135101   2,488 8,900 SH   SOLE 0 2,488 0 0
Microchip Technology Inc com 595017104   1,882 22,458 SH   SOLE 0 1,882 0 0
McKesson HBOC Inc com 58155Q103   8,083 22,701 SH   SOLE 0 8,083 0 0
Medtronic PLC com G5960L103   709 8,798 SH   SOLE 0 709 0 0
MDU Resources Group, Inc. com 552690109   1,531 50,221 SH   SOLE 0 1,531 0 0
Metlife Inc com 59156R108   5,391 93,042 SH   SOLE 0 5,391 0 0
Meta Platforms, Inc. com 30303M102   3,890 18,355 SH   SOLE 0 3,890 0 0
Manulife Financial Corporation com 56501R106   2,891 157,487 SH   SOLE 0 2,891 0 0
VanEck Long Muni ETF ETF 92189F536   284 15,750 SH   SOLE 0 284 0 0
Global X MLP & Energy Infrastructure ETF ETF 37954Y293   579 14,505 SH   SOLE 0 579 0 0
3M Company com 88579Y101   591 5,625 SH   SOLE 0 591 0 0
Marathon Petroleum Corporation com 56585A102   1,980 14,682 SH   SOLE 0 1,980 0 0
Merck & Co Inc com 58933Y105   4,744 44,587 SH   SOLE 0 4,744 0 0
Morgan Stanley com 617446448   2,516 28,652 SH   SOLE 0 2,516 0 0
Microsoft Corp com 594918104   19,308 66,973 SH   SOLE 0 19,308 0 0
M&T Bank Corporation com 55261F104   1,067 8,926 SH   SOLE 0 1,067 0 0
MGIC Investment Corp com 552848103   900 67,062 SH   SOLE 0 900 0 0
iShares Natl Amt-Free Muni Bond ETF ETF 464288414   6,528 60,593 SH   SOLE 0 6,528 0 0
PIMCO Intermediate Muni Bond Strgy ETF ETF 72201R866   3,856 73,787 SH   SOLE 0 3,856 0 0
Murphy USA, Inc com 626755102   427 1,655 SH   SOLE 0 427 0 0
Nextera Energy Inc com 65339F101   209 2,713 SH   SOLE 0 209 0 0
Newmont Mining Corp com 651639106   350 7,139 SH   SOLE 0 350 0 0
National Fuel Gas Co com 636180101   730 12,639 SH   SOLE 0 730 0 0
Northrop Grumman Corp com 666807102   1,611 3,490 SH   SOLE 0 1,611 0 0
Northern Oil and Gas, Inc. com 665531307   327 10,773 SH   SOLE 0 327 0 0
NRG Energy, Inc com 629377508   1,634 47,660 SH   SOLE 0 1,634 0 0
Norfolk Southern Corp com 655844108   256 1,206 SH   SOLE 0 256 0 0
Network Appliance Inc com 64110D104   2,506 39,241 SH   SOLE 0 2,506 0 0
Nutrien Ltd. com 67077M108   1,868 25,298 SH   SOLE 0 1,868 0 0
Nucor Corp com 670346105   4,907 31,766 SH   SOLE 0 4,907 0 0
Novartis A G Spon Adr ADR 66987V109   333 3,623 SH   SOLE 0 333 0 0
NexPoint Residential Trust, Inc. com 65341D102   820 18,777 SH   SOLE 0 820 0 0
Nexstar Media Group com 65336K103   6,065 35,126 SH   SOLE 0 6,065 0 0
Owens Corning Inc. com 690742101   2,981 31,117 SH   SOLE 0 2,981 0 0
Corp Office Pptys Sbi com 22002T108   760 32,063 SH   SOLE 0 760 0 0
Organon & Co. Common Stock com 68622V106   1,235 52,527 SH   SOLE 0 1,235 0 0
Omega Healthcare Investors Inc. com 681936100   3,868 141,133 SH   SOLE 0 3,868 0 0
ONEOK Inc com 682680103   551 8,677 SH   SOLE 0 551 0 0
Omnicom Group Inc com 681919106   7,104 75,307 SH   SOLE 0 7,104 0 0
Oracle Corporation com 68389X105   13,900 149,588 SH   SOLE 0 13,900 0 0
Old Republic International Corporation com 680223104   233 9,312 SH   SOLE 0 233 0 0
Otis Worldwide Corp com 68902V107   394 4,674 SH   SOLE 0 394 0 0
Otter Tail Corporation com 689648103   744 10,299 SH   SOLE 0 744 0 0
Outfront Media Inc com 69007J106   1,249 76,984 SH   SOLE 0 1,249 0 0
Ovintiv Inc. com 69047Q102   923 25,576 SH   SOLE 0 923 0 0
Oxford Industries, Inc. com 691497309   1,154 10,932 SH   SOLE 0 1,154 0 0
Patrick Industries Inc. com 703343103   281 4,080 SH   SOLE 0 281 0 0
Paychex Inc com 704326107   440 3,844 SH   SOLE 0 440 0 0
Petroleo Brasileiro ADR 71654V408   2,305 220,958 SH   SOLE 0 2,305 0 0
PACCAR Inc com 693718108   5,686 77,675 SH   SOLE 0 5,686 0 0
Potlatch Corporation com 737630103   3,389 68,455 SH   SOLE 0 3,389 0 0
Invesco Emerging Mkts Sovereign Debt ETF ETF 46138E784   203 10,603 SH   SOLE 0 203 0 0
PDC Energy, Inc. com 69327R101   519 8,083 SH   SOLE 0 519 0 0
Patterson Companies Inc. com 703395103   2,230 83,301 SH   SOLE 0 2,230 0 0
Piedmont Office Realty Trust, Inc. com 720190206   482 66,080 SH   SOLE 0 482 0 0
Pub Svc Enterprise Group com 744573106   264 4,227 SH   SOLE 0 264 0 0
PepsiCo Incorporated com 713448108   1,284 7,042 SH   SOLE 0 1,284 0 0
Pfizer Incorporated com 717081103   9,132 223,830 SH   SOLE 0 9,132 0 0
Principal Financial Group Inc. com 74251V102   2,048 27,558 SH   SOLE 0 2,048 0 0
Procter & Gamble com 742718109   10,701 71,971 SH   SOLE 0 10,701 0 0
Progressive Corp. com 743315103   1,249 8,730 SH   SOLE 0 1,249 0 0
Parker-Hannifin Corporation com 701094104   231 689 SH   SOLE 0 231 0 0
PulteGroup Inc com 745867101   4,591 78,774 SH   SOLE 0 4,591 0 0
Polaris Industries Inc. com 731068102   415 3,747 SH   SOLE 0 415 0 0
Premier, Inc. com 74051N102   1,146 35,418 SH   SOLE 0 1,146 0 0
Packaging Corp of America com 695156109   215 1,547 SH   SOLE 0 215 0 0
ProLogis com 74340W103   391 3,133 SH   SOLE 0 391 0 0
Plymouth Industrial REIT, Inc. com 729640102   2,069 98,456 SH   SOLE 0 2,069 0 0
PNC Financial Services com 693475105   205 1,613 SH   SOLE 0 205 0 0
PPG Industries Inc com 693506107   223 1,673 SH   SOLE 0 223 0 0
Invesco FTSE RAFI US 1000 ETF ETF 46137V613   464 2,961 SH   SOLE 0 464 0 0
Park National Corp com 700658107   280 2,360 SH   SOLE 0 280 0 0
Prudential Financial Inc com 744320102   2,839 34,310 SH   SOLE 0 2,839 0 0
Phillips 66 com 718546104   581 5,733 SH   SOLE 0 581 0 0
Pioneer Natural Resources Co. com 723787107   756 3,702 SH   SOLE 0 756 0 0
Invesco FTSE RAFI Dev Mkts ex-US ETF ETF 46138E743   774 17,568 SH   SOLE 0 774 0 0
Invesco FTSE RAFI Emerging Markets ETF ETF 46138E727   4,013 218,560 SH   SOLE 0 4,013 0 0
Qualcomm Inc com 747525103   458 3,587 SH   SOLE 0 458 0 0
Invesco QQQ ETF ETF 46090E103   215 669 SH   SOLE 0 215 0 0
Everest Re Group Ltd com G3223R108   2,418 6,755 SH   SOLE 0 2,418 0 0
Regions Financial Cp New com 7591EP100   4,964 267,442 SH   SOLE 0 4,964 0 0
Reinsurance Group of America com 759351604   777 5,853 SH   SOLE 0 777 0 0
RLJ Lodging Trust com 74965L101   2,104 198,537 SH   SOLE 0 2,104 0 0
Hartford Multifactor Developed Markets ETF ETF 518416102   44,813 1,701,967 SH   SOLE 0 44,813 0 0
Reliance Steel & Aluminum Co com 759509102   2,908 11,328 SH   SOLE 0 2,908 0 0
The Necessity Retail REIT, Inc. com 02607T109   1,085 172,767 SH   SOLE 0 1,085 0 0
Raytheon Technologies Co com 75513E101   1,202 12,271 SH   SOLE 0 1,202 0 0
Xtrackers Muni Infra Rev Bond ETF ETF 233051705   300 11,976 SH   SOLE 0 300 0 0
SBA Communications Corporation com 78410G104   2,110 8,082 SH   SOLE 0 2,110 0 0
Schwab U.S. Small-Cap ETF ETF 808524607   251 5,982 SH   SOLE 0 251 0 0
Schwab US Broad Mkt ETF ETF 808524102   493 10,299 SH   SOLE 0 493 0 0
Schwab U.S. Dividend Equity ETF ETF 808524797   276 3,768 SH   SOLE 0 276 0 0
Schwab Emerging Mkts Equity ETF ETF 808524706   863 35,200 SH   SOLE 0 863 0 0
Schwab International Equity ETF ETF 808524805   48,725 1,400,132 SH   SOLE 0 48,725 0 0
Schwab U.S. REIT ETF ETF 808524847   17,809 913,283 SH   SOLE 0 17,809 0 0
Schwab Short-Term U.S. Treasury ETF ETF 808524862   283 5,798 SH   SOLE 0 283 0 0
Schwab US TIPS ETF ETF 808524870   17,362 323,856 SH   SOLE 0 17,362 0 0
Schwab Intermediate-Term U.S. Trsy ETF ETF 808524854   23,189 459,833 SH   SOLE 0 23,189 0 0
Select Medical Holdings Corp com 81619Q105   406 15,710 SH   SOLE 0 406 0 0
Sprouts Farmers Market com 85208M102   892 25,454 SH   SOLE 0 892 0 0
Shell plc com 780259305   2,378 41,330 SH   SOLE 0 2,378 0 0
iShares 0-5 Year High Yield Corp Bond ETF iShares 46434V407   267 6,410 SH   SOLE 0 267 0 0
J M Smuckers Co com 832696405   4,257 27,050 SH   SOLE 0 4,257 0 0
Sylvamo Corporation com 871332102   281 6,064 SH   SOLE 0 281 0 0
iShares Edge MSCI Mltfct USA SmCp ETF ETF 46434V290   1,154 22,508 SH   SOLE 0 1,154 0 0
Snap On Inc com 833034101   4,082 16,532 SH   SOLE 0 4,082 0 0
SYNNEX Corp. com 87162W100   311 3,208 SH   SOLE 0 311 0 0
Simon Ppty Group New com 828806109   2,548 22,756 SH   SOLE 0 2,548 0 0
SPDR Portfolio High Yield Bond ETF ETF 78468R606   1,016 44,213 SH   SOLE 0 1,016 0 0
SPDR Barclays Cap Interm Term Corp Bond ETF ETF 78464A375   4,397 135,339 SH   SOLE 0 4,397 0 0
SPDR Portfolio Mortgage Backed Bond ETF ETF 78464A383   657 29,629 SH   SOLE 0 657 0 0
SpartanNash Company com 847215100   242 9,759 SH   SOLE 0 242 0 0
Pacer Benchmark Data & Infrastructure Real Estate ETF com 69374H741   12,055 406,566 SH   SOLE 0 12,055 0 0
STAG Industrial, Inc. com 85254J102   2,594 76,697 SH   SOLE 0 2,594 0 0
Steel Dynamics, Inc. com 858119100   2,874 25,416 SH   SOLE 0 2,874 0 0
Seagate Technology PLC F com G7997R103   3,043 46,026 SH   SOLE 0 3,043 0 0
iShares Short-Term National Muni Bond ETF ETF 464288158   547 5,221 SH   SOLE 0 547 0 0
Sun Communities Inc com 866674104   830 5,890 SH   SOLE 0 830 0 0
A T & T Inc. com 00206R102   3,160 164,166 SH   SOLE 0 3,160 0 0
Toronto-Dominion Bank com 891160509   2,353 39,275 SH   SOLE 0 2,353 0 0
TE Connectivity Ltd. com H84989104   2,000 15,250 SH   SOLE 0 2,000 0 0
TEGNA, Inc. com 87901J105   325 19,246 SH   SOLE 0 325 0 0
Target Corporation com 87612E106   4,238 25,586 SH   SOLE 0 4,238 0 0
The Hanover Insurance Group Inc. com 410867105   257 2,003 SH   SOLE 0 257 0 0
iShares Barclays TIPS Bond ETF 464287176   3,189 28,923 SH   SOLE 0 3,189 0 0
TJX Cos Inc com 872540109   1,569 20,025 SH   SOLE 0 1,569 0 0
iShares 20 Year Treasury Bond ETF iShares 464287432   252 2,372 SH   SOLE 0 252 0 0
Toyota Motor Corporation ADR 892331307   6,721 47,437 SH   SOLE 0 6,721 0 0
Thermo Fisher Scientific Inc. com 883556102   4,323 7,501 SH   SOLE 0 4,323 0 0
Tortoise North American Pipeline Fund com 56167N720   16,433 675,716 SH   SOLE 0 16,433 0 0
Triton International Limited com G9078F107   3,634 57,476 SH   SOLE 0 3,634 0 0
Travelers Companies Inc com 89417E109   3,972 23,170 SH   SOLE 0 3,972 0 0
Taiwan Semiconductor Manufacturing Co. com 874039100   221 2,377 SH   SOLE 0 221 0 0
Tyson Foods Inc com 902494103   3,331 56,159 SH   SOLE 0 3,331 0 0
TotalEnergies SE ADR 89151E109   1,969 33,350 SH   SOLE 0 1,969 0 0
Texas Instruments Inc com 882508104   6,631 35,646 SH   SOLE 0 6,631 0 0
UGI Corporation New com 902681105   5,230 150,473 SH   SOLE 0 5,230 0 0
UnitedHealth Group Inc. com 91324P102   3,476 7,356 SH   SOLE 0 3,476 0 0
Uniti Group Inc. com 91325V108   560 157,791 SH   SOLE 0 560 0 0
Unum Group com 91529Y106   3,683 93,092 SH   SOLE 0 3,683 0 0
Union Pacific com 907818108   4,042 20,082 SH   SOLE 0 4,042 0 0
United Parcel Service, Inc. com 911312106   1,206 6,216 SH   SOLE 0 1,206 0 0
United Rentals, Inc. com 911363109   2,313 5,845 SH   SOLE 0 2,313 0 0
US Bancorp com 902973304   2,056 57,030 SH   SOLE 0 2,056 0 0
iShares Core US REIT ETF iShares 464288521   267 5,295 SH   SOLE 0 267 0 0
Visa, Inc. com 92826C839   732 3,246 SH   SOLE 0 732 0 0
Vanguard Small Cap Value ETF ETF 922908611   6,118 38,537 SH   SOLE 0 6,118 0 0
Vanguard Interm-Tm Govt Bd Inx ETF ETF 92206C706   8,756 146,036 SH   SOLE 0 8,756 0 0
Vanguard Dividend Appreciation ETF ETF 921908844   338 2,193 SH   SOLE 0 338 0 0
Valero Energy Corp New com 91913Y100   991 7,098 SH   SOLE 0 991 0 0
Vanguard Reit Index ETF ETF 922908553   5,480 65,996 SH   SOLE 0 5,480 0 0
Vanguard Russell 1000 ETF ETF 92206C730   3,613 19,391 SH   SOLE 0 3,613 0 0
Vanguard S&P 500 ETF ETF 922908363   286 760 SH   SOLE 0 286 0 0
Vishay Intertechnology Inc. com 928298108   3,020 133,532 SH   SOLE 0 3,020 0 0
Vanguard Tax-Exempt Bond Index ETF ETF 922907746   7,590 149,823 SH   SOLE 0 7,590 0 0
Vanguard Total Stock Market ETF ETF 922908769   587 2,877 SH   SOLE 0 587 0 0
Viatris Inc com 92556V106   186 19,322 SH   SOLE 0 186 0 0
Vanguard Value ETF ETF 922908744   764 5,534 SH   SOLE 0 764 0 0
Vanguard Emerging Markets Stock ETF ETF 922042858   252 6,245 SH   SOLE 0 252 0 0
Vanguard Total International Stock ETF ETF 921909768   238 4,306 SH   SOLE 0 238 0 0
Verizon Communications com 92343V104   6,629 170,455 SH   SOLE 0 6,629 0 0
Walgreens Boots Alliance Inc. com 931427108   957 27,676 SH   SOLE 0 957 0 0
Whirlpool Corp com 963320106   1,689 12,796 SH   SOLE 0 1,689 0 0
Wal-Mart Stores Inc com 931142103   9,730 65,990 SH   SOLE 0 9,730 0 0
Williams Sonoma com 969904101   1,199 9,854 SH   SOLE 0 1,199 0 0
Whitestone REIT com 966084204   1,624 176,574 SH   SOLE 0 1,624 0 0
Weyerhaeuser Co com 962166104   3,262 108,248 SH   SOLE 0 3,262 0 0
Technology Select Sector SPDR ETF ETF 81369Y803   243 1,611 SH   SOLE 0 243 0 0
The Real Estate Select Sector SPDR Fund com 81369Y860   3,326 88,982 SH   SOLE 0 3,326 0 0
Exxon Mobil Corporation com 30231G102   6,874 62,686 SH   SOLE 0 6,874 0 0
Ziff Davis, Inc. com 48123V102   529 6,784 SH   SOLE 0 529 0 0