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
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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   1,527,620 13,399 SH   SOLE   13,399 0 0
ABBVIE INC COM 00287Y109   2,865,040 14,508 SH   SOLE   14,508 0 0
ABRDN ETFS BBRG ALL COMD K1 003261104   4,871,486 238,331 SH   SOLE   238,331 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   4,459,150 12,615 SH   SOLE   12,615 0 0
ADOBE INC COM 00724F101   1,999,149 3,861 SH   SOLE   3,861 0 0
ADVANCED MICRO DEVICES INC COM 007903107   968,564 5,903 SH   SOLE   5,903 0 0
AERCAP HOLDINGS NV SHS N00985106   262,090 2,767 SH   SOLE   2,767 0 0
ALLIANT ENERGY CORP COM 018802108   269,160 4,435 SH   SOLE   4,435 0 0
ALLSTATE CORP COM 020002101   348,156 1,827 SH   SOLE   1,827 0 0
ALPHABET INC CAP STK CL A 02079K305   4,643,966 28,001 SH   SOLE   28,001 0 0
ALPHABET INC CAP STK CL C 02079K107   7,943,197 47,510 SH   SOLE   47,510 0 0
ALPS ETF TR ALERIAN MLP 00162Q452   2,050,459 43,506 SH   SOLE   43,506 0 0
ALTRIA GROUP INC COM 02209S103   346,501 6,656 SH   SOLE   6,656 0 0
AMAZON COM INC COM 023135106   8,097,715 43,459 SH   SOLE   43,459 0 0
AMERICAN EXPRESS CO COM 025816109   4,638,605 17,104 SH   SOLE   17,104 0 0
AMERICAN FINL GROUP INC OHIO COM 025932104   739,492 5,494 SH   SOLE   5,494 0 0
AMERICAN TOWER CORP NEW COM 03027X100   244,653 1,052 SH   SOLE   1,052 0 0
AMERIPRISE FINL INC COM 03076C106   234,435 499 SH   SOLE   499 0 0
AMGEN INC COM 031162100   3,938,051 12,222 SH   SOLE   12,222 0 0
AMPHENOL CORP NEW CL A 032095101   1,296,562 19,848 SH   SOLE   19,848 0 0
ANALOG DEVICES INC COM 032654105   4,401,771 19,124 SH   SOLE   19,124 0 0
APA CORPORATION COM 03743Q108   296,308 12,114 SH   SOLE   12,114 0 0
APOLLO GLOBAL MGMT INC COM 03769M106   381,975 3,058 SH   SOLE   3,058 0 0
APPLE INC COM 037833100   18,927,320 81,233 SH   SOLE   81,233 0 0
APPLIED MATLS INC COM 038222105   288,932 1,430 SH   SOLE   1,430 0 0
ARCH CAP GROUP LTD ORD G0450A105   723,864 6,470 SH   SOLE   6,470 0 0
ARES CAPITAL CORP COM 04010L103   214,593 10,248 SH   SOLE   10,248 0 0
ARISTA NETWORKS INC COM 040413106   366,932 956 SH   SOLE   956 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   390,794 469 SH   SOLE   469 0 0
AT&T INC COM 00206R102   421,652 19,166 SH   SOLE   19,166 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   3,779,467 13,597 SH   SOLE   13,597 0 0
AUTOZONE INC COM 053332102   4,189,553 1,330 SH   SOLE   1,330 0 0
BANK AMERICA CORP COM 060505104   691,940 17,438 SH   SOLE   17,438 0 0
BANK NEW YORK MELLON CORP COM 064058100   322,220 4,484 SH   SOLE   4,484 0 0
BECTON DICKINSON & CO COM 075887109   2,283,217 9,470 SH   SOLE   9,470 0 0
BERKLEY W R CORP COM 084423102   1,031,408 18,181 SH   SOLE   18,181 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   9,900,193 21,510 SH   SOLE   21,510 0 0
BEST BUY INC COM 086516101   204,137 1,959 SH   SOLE   1,959 0 0
BLACKROCK INC COM 09247X101   544,069 573 SH   SOLE   573 0 0
BLACKSTONE INC COM 09260D107   210,707 1,376 SH   SOLE   1,376 0 0
BOEING CO COM 097023105   629,598 4,141 SH   SOLE   4,141 0 0
BOOKING HOLDINGS INC COM 09857L108   787,666 187 SH   SOLE   187 0 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   994,464 6,110 SH   SOLE   6,110 0 0
BOSTON SCIENTIFIC CORP COM 101137107   334,111 3,987 SH   SOLE   3,987 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   2,581,826 49,900 SH   SOLE   49,900 0 0
BROADCOM INC COM 11135F101   5,387,003 31,229 SH   SOLE   31,229 0 0
BROWN & BROWN INC COM 115236101   961,926 9,285 SH   SOLE   9,285 0 0
BROWN FORMAN CORP CL B 115637209   294,948 5,971 SH   SOLE   5,971 0 0
CADENCE DESIGN SYSTEM INC COM 127387108   265,338 979 SH   SOLE   979 0 0
CARDINAL HEALTH INC COM 14149Y108   943,620 8,538 SH   SOLE   8,538 0 0
CARLISLE COS INC COM 142339100   332,365 739 SH   SOLE   739 0 0
CARMAX INC COM 143130102   437,584 5,655 SH   SOLE   5,655 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   807,717 10,035 SH   SOLE   10,035 0 0
CATERPILLAR INC COM 149123101   688,606 1,761 SH   SOLE   1,761 0 0
CDW CORP COM 12514G108   940,050 4,154 SH   SOLE   4,154 0 0
CF INDS HLDGS INC COM 125269100   377,005 4,394 SH   SOLE   4,394 0 0
CHEVRON CORP NEW COM 166764100   4,889,806 33,203 SH   SOLE   33,203 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   287,120 4,983 SH   SOLE   4,983 0 0
CHUBB LIMITED COM H1467J104   470,398 1,626 SH   SOLE   1,626 0 0
CINTAS CORP COM 172908105   324,879 1,578 SH   SOLE   1,578 0 0
CISCO SYS INC COM 17275R102   3,279,821 61,628 SH   SOLE   61,628 0 0
COCA COLA CO COM 191216100   576,736 7,972 SH   SOLE   7,972 0 0
COMCAST CORP NEW CL A 20030N101   821,156 19,659 SH   SOLE   19,659 0 0
CONSTELLATION ENERGY CORP COM 21037T109   532,001 2,046 SH   SOLE   2,046 0 0
COPART INC COM 217204106   1,195,244 22,810 SH   SOLE   22,810 0 0
COSTCO WHSL CORP NEW COM 22160K105   4,863,503 5,486 SH   SOLE   5,486 0 0
COUPANG INC CL A 22266T109   277,243 11,293 SH   SOLE   11,293 0 0
CRANE COMPANY COMMON STOCK 224408104   1,035,626 6,543 SH   SOLE   6,543 0 0
CRANE NXT CO COM 224441105   214,807 3,829 SH   SOLE   3,829 0 0
CSX CORP COM 126408103   1,932,402 55,963 SH   SOLE   55,963 0 0
CVS HEALTH CORP COM 126650100   2,004,866 31,884 SH   SOLE   31,884 0 0
D R HORTON INC COM 23331A109   205,841 1,079 SH   SOLE   1,079 0 0
DANAHER CORPORATION COM 235851102   3,778,344 13,577 SH   SOLE   13,577 0 0
DECKERS OUTDOOR CORP COM 243537107   375,664 2,356 SH   SOLE   2,356 0 0
DEERE & CO COM 244199105   206,050 492 SH   SOLE   492 0 0
DEVON ENERGY CORP NEW COM 25179M103   1,962,611 50,169 SH   SOLE   50,169 0 0
DIAGEO PLC SPON ADR NEW 25243Q205   216,743 1,517 SH   SOLE   1,517 0 0
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   7,823,629 161,179 SH   SOLE   161,179 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   2,116,187 32,627 SH   SOLE   32,627 0 0
DIREXION SHS ETF TR DLY S&P500 BR 1X 25460E869   241,934 21,324 SH   SOLE   21,324 0 0
DISNEY WALT CO COM 254687106   2,441,687 25,384 SH   SOLE   25,384 0 0
DOCUSIGN INC COM 256163106   1,087,568 17,516 SH   SOLE   17,516 0 0
DROPBOX INC CL A 26210C104   274,619 10,799 SH   SOLE   10,799 0 0
DUPONT DE NEMOURS INC COM 26614N102   210,300 2,360 SH   SOLE   2,360 0 0
EATON CORP PLC SHS G29183103   634,376 1,914 SH   SOLE   1,914 0 0
EBAY INC. COM 278642103   3,323,019 51,037 SH   SOLE   51,037 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108   206,681 3,132 SH   SOLE   3,132 0 0
ELANCO ANIMAL HEALTH INC COM 28414H103   405,033 27,572 SH   SOLE   27,572 0 0
ELECTRONIC ARTS INC COM 285512109   2,220,738 15,482 SH   SOLE   15,482 0 0
ELEVANCE HEALTH INC COM 036752103   374,920 721 SH   SOLE   721 0 0
ELI LILLY & CO COM 532457108   4,365,026 4,927 SH   SOLE   4,927 0 0
EMCOR GROUP INC COM 29084Q100   419,336 974 SH   SOLE   974 0 0
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   211,539 13,180 SH   SOLE   13,180 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107   232,880 8,000 SH   SOLE   8,000 0 0
EOG RES INC COM 26875P101   2,562,599 20,846 SH   SOLE   20,846 0 0
EQT CORP COM 26884L109   1,083,591 29,574 SH   SOLE   29,574 0 0
ETF SER SOLUTIONS DISTILLATE SMLMD 26922B667   10,046,352 278,601 SH   SOLE   278,601 0 0
ETF SER SOLUTIONS DISTILLATE US 26922A321   50,062,463 882,469 SH   SOLE   882,469 0 0
ETFS GOLD TR PHYSCL GOLD SHS 00326A104   1,364,911 54,314 SH   SOLE   54,314 0 0
EVERSOURCE ENERGY COM 30040W108   207,280 3,046 SH   SOLE   3,046 0 0
EXACT SCIENCES CORP COM 30063P105   244,210 3,585 SH   SOLE   3,585 0 0
EXELIXIS INC COM 30161Q104   361,769 13,941 SH   SOLE   13,941 0 0
EXELON CORP COM 30161N101   232,108 5,724 SH   SOLE   5,724 0 0
EXPEDITORS INTL WASH INC COM 302130109   1,018,219 7,749 SH   SOLE   7,749 0 0
EXXON MOBIL CORP COM 30231G102   5,763,121 49,165 SH   SOLE   49,165 0 0
FAIR ISAAC CORP COM 303250104   583,056 300 SH   SOLE   300 0 0
FASTENAL CO COM 311900104   1,006,522 14,093 SH   SOLE   14,093 0 0
FIDELITY NATL INFORMATION SV COM 31620M106   215,573 2,574 SH   SOLE   2,574 0 0
FISERV INC COM 337738108   517,572 2,881 SH   SOLE   2,881 0 0
FLAHERTY & CRUMRINE PFD INCO COM 33848E106   94,100 10,000 SH   SOLE   10,000 0 0
FLEX LTD ORD Y2573F102   286,161 8,560 SH   SOLE   8,560 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   349,264 8,467 SH   SOLE   8,467 0 0
FLOOR & DECOR HLDGS INC CL A 339750101   627,307 5,052 SH   SOLE   5,052 0 0
FORD MTR CO COM 345370860   151,811 14,376 SH   SOLE   14,376 0 0
FREEPORT-MCMORAN INC CL B 35671D857   334,414 6,699 SH   SOLE   6,699 0 0
GARTNER INC COM 366651107   1,147,305 2,264 SH   SOLE   2,264 0 0
GE AEROSPACE COM NEW 369604301   738,843 3,912 SH   SOLE   3,912 0 0
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   200,839 2,140 SH   SOLE   2,140 0 0
GE VERNOVA INC COM 36828A101   239,936 941 SH   SOLE   941 0 0
GENERAC HLDGS INC COM 368736104   395,929 2,492 SH   SOLE   2,492 0 0
GENERAL DYNAMICS CORP COM 369550108   389,838 1,290 SH   SOLE   1,290 0 0
GENERAL MTRS CO COM 37045V100   348,855 7,780 SH   SOLE   7,780 0 0
GILEAD SCIENCES INC COM 375558103   1,261,037 15,041 SH   SOLE   15,041 0 0
GODADDY INC CL A 380237107   401,357 2,560 SH   SOLE   2,560 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   330,733 668 SH   SOLE   668 0 0
GRACO INC COM 384109104   311,798 3,563 SH   SOLE   3,563 0 0
GRAINGER W W INC COM 384802104   235,810 227 SH   SOLE   227 0 0
GRANITESHARES ETF TR BBG COMMD K 1 38747R108   11,294,033 551,154 SH   SOLE   551,154 0 0
HALEON PLC SPON ADS 405552100   202,046 19,097 SH   SOLE   19,097 0 0
HCA HEALTHCARE INC COM 40412C101   200,370 493 SH   SOLE   493 0 0
HF SINCLAIR CORP COM 403949100   459,338 10,306 SH   SOLE   10,306 0 0
HOME DEPOT INC COM 437076102   2,190,511 5,406 SH   SOLE   5,406 0 0
HONEYWELL INTL INC COM 438516106   279,885 1,354 SH   SOLE   1,354 0 0
HOST HOTELS & RESORTS INC COM 44107P104   254,537 14,300 SH   SOLE   14,300 0 0
HUBBELL INC COM 443510607   306,699 716 SH   SOLE   716 0 0
ICON PLC SHS G4705A100   277,541 966 SH   SOLE   966 0 0
ING GROEP N.V. SPONSORED ADR 456837103   218,882 12,053 SH   SOLE   12,053 0 0
INGERSOLL RAND INC COM 45687V106   320,002 3,260 SH   SOLE   3,260 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   479,028 2,982 SH   SOLE   2,982 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   708,561 3,205 SH   SOLE   3,205 0 0
INTUIT COM 461202103   210,519 339 SH   SOLE   339 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   749,678 1,526 SH   SOLE   1,526 0 0
INVESCO EXCH TRADED FD TR II S&P MDCP 400 REV 46138G672   17,649,060 151,729 SH   SOLE   151,729 0 0
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698   7,259,141 74,020 SH   SOLE   74,020 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 MUNI 46138J536   1,505,556 60,659 SH   SOLE   60,659 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   1,194,912 57,865 SH   SOLE   57,865 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528   1,970,098 80,445 SH   SOLE   80,445 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   2,054,293 86,533 SH   SOLE   86,533 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   3,928,278 185,998 SH   SOLE   185,998 0 0
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308   7,338,939 64,084 SH   SOLE   64,084 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597   1,526,027 36,727 SH   SOLE   36,727 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   7,666,434 188,689 SH   SOLE   188,689 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   1,955,428 4,001 SH   SOLE   4,001 0 0
ISHARES GOLD TR ISHARES NEW 464285204   12,189,223 245,256 SH   SOLE   245,256 0 0
ISHARES INC CORE MSCI EMKT 46434G103   13,395,115 233,324 SH   SOLE   233,324 0 0
ISHARES INC MSCI PAC JP ETF 464286665   537,240 11,000 SH   SOLE   11,000 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   636,957 5,048 SH   SOLE   5,048 0 0
ISHARES TR IBONDS 25 TRM TS 46436E866   329,309 14,061 SH   SOLE   14,061 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   989,877 2,637 SH   SOLE   2,637 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,860,935 22,252 SH   SOLE   22,252 0 0
ISHARES TR CORE S&P SCP ETF 464287804   27,931,564 238,813 SH   SOLE   238,813 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   613,515 13,378 SH   SOLE   13,378 0 0
ISHARES TR IBONDS 24 TRM TS 46436E874   1,234,584 51,441 SH   SOLE   51,441 0 0
ISHARES TR CORE S&P500 ETF 464287200   81,103,585 140,605 SH   SOLE   140,605 0 0
ISHARES TR IBONDS DEC2026 46435GAA0   2,959,829 121,804 SH   SOLE   121,804 0 0
ISHARES TR MSCI USA ESG SLC 464288802   1,500,292 12,464 SH   SOLE   12,464 0 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1   2,991,837 119,197 SH   SOLE   119,197 0 0
ISHARES TR BLACKROCK ULTRA 46434V878   10,155,611 200,150 SH   SOLE   200,150 0 0
ISHARES TR CORE MSCI EAFE 46432F842   20,429,636 261,751 SH   SOLE   261,751 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   414,669 4,987 SH   SOLE   4,987 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243   364,770 14,498 SH   SOLE   14,498 0 0
ISHARES TR CORE MSCI INTL 46435G326   6,260,735 88,391 SH   SOLE   88,391 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   206,313 1,087 SH   SOLE   1,087 0 0
ISHARES TR RUS MID CAP ETF 464287499   2,293,667 26,023 SH   SOLE   26,023 0 0
ISHARES TR CORE S&P MCP ETF 464287507   40,979,173 657,561 SH   SOLE   657,561 0 0
ISHARES TR NATIONAL MUN ETF 464288414   12,477,894 114,866 SH   SOLE   114,866 0 0
ISHARES TR 0-3 MNTH TREASRY 46436E718   70,851,690 703,452 SH   SOLE   703,452 0 0
ISHARES TR IBONDS 27 ETF 46435UAA9   2,729,343 111,996 SH   SOLE   111,996 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   217,475 2,271 SH   SOLE   2,271 0 0
ISHARES TR IBONDS 27 TRM TS 46436E841   322,639 14,254 SH   SOLE   14,254 0 0
ISHARES TR IBDS DEC28 ETF 46435U515   784,640 30,734 SH   SOLE   30,734 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   5,724,721 108,711 SH   SOLE   108,711 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   2,179,801 18,225 SH   SOLE   18,225 0 0
ISHARES TR SELECT DIVID ETF 464287168   945,490 7,000 SH   SOLE   7,000 0 0
ISHARES TR IBONDS 29 TRM TS 46436E825   329,409 14,902 SH   SOLE   14,902 0 0
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   56,406,978 1,121,077 SH   SOLE   1,121,077 0 0
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   3,493,999 68,149 SH   SOLE   68,149 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   8,304,332 139,545 SH   SOLE   139,545 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   10,288,780 202,775 SH   SOLE   202,775 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   58,593,663 1,150,249 SH   SOLE   1,150,249 0 0
JABIL INC COM 466313103   294,662 2,459 SH   SOLE   2,459 0 0
JANUS DETROIT STR TR HENDERSN SML ETF 47103U209   15,929,306 219,323 SH   SOLE   219,323 0 0
JETBLUE AWYS CORP COM 477143101   67,135 10,234 SH   SOLE   10,234 0 0
JOHNSON & JOHNSON COM 478160104   4,202,378 25,931 SH   SOLE   25,931 0 0
JOHNSON CTLS INTL PLC SHS G51502105   239,711 3,074 SH   SOLE   3,074 0 0
JONES LANG LASALLE INC COM 48020Q107   248,765 922 SH   SOLE   922 0 0
JPMORGAN CHASE & CO. COM 46625H100   6,872,694 32,594 SH   SOLE   32,594 0 0
KROGER CO COM 501044101   2,979,142 51,992 SH   SOLE   51,992 0 0
LABCORP HOLDINGS INC COM SHS 504922105   761,620 3,408 SH   SOLE   3,408 0 0
LAM RESEARCH CORP COM 512807108   608,656 744 SH   SOLE   744 0 0
LATTICE SEMICONDUCTOR CORP COM 518415104   207,238 3,905 SH   SOLE   3,905 0 0
LENNAR CORP CL A 526057104   458,201 2,444 SH   SOLE   2,444 0 0
LIBERTY BROADBAND CORP COM SER C 530307305   310,242 4,014 SH   SOLE   4,014 0 0
LINDE PLC SHS G54950103   1,397,677 2,931 SH   SOLE   2,931 0 0
LOCKHEED MARTIN CORP COM 539830109   247,269 423 SH   SOLE   423 0 0
LOWES COS INC COM 548661107   3,221,490 11,894 SH   SOLE   11,894 0 0
M & T BK CORP COM 55261F104   375,833 2,110 SH   SOLE   2,110 0 0
MARATHON OIL CORP COM 565849106   306,192 11,498 SH   SOLE   11,498 0 0
MARATHON PETE CORP COM 56585A102   3,302,674 20,273 SH   SOLE   20,273 0 0
MARKEL GROUP INC COM 570535104   1,010,166 644 SH   SOLE   644 0 0
MARSH & MCLENNAN COS INC COM 571748102   279,086 1,251 SH   SOLE   1,251 0 0
MASTERCARD INCORPORATED CL A 57636Q104   2,758,861 5,587 SH   SOLE   5,587 0 0
MCDONALDS CORP COM 580135101   3,572,852 11,733 SH   SOLE   11,733 0 0
MCKESSON CORP COM 58155Q103   4,276,662 8,639 SH   SOLE   8,639 0 0
MEDTRONIC PLC SHS G5960L103   2,673,807 29,470 SH   SOLE   29,470 0 0
MERCK & CO INC COM 58933Y105   1,069,163 9,352 SH   SOLE   9,352 0 0
META PLATFORMS INC CL A 30303M102   5,628,230 9,832 SH   SOLE   9,832 0 0
METLIFE INC COM 59156R108   448,691 5,440 SH   SOLE   5,440 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104   721,165 8,982 SH   SOLE   8,982 0 0
MICRON TECHNOLOGY INC COM 595112103   222,354 2,144 SH   SOLE   2,144 0 0
MICROSOFT CORP COM 594918104   15,998,554 37,180 SH   SOLE   37,180 0 0
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   209,046 20,535 SH   SOLE   20,535 0 0
MONDELEZ INTL INC CL A 609207105   610,765 8,238 SH   SOLE   8,238 0 0
MORGAN STANLEY COM NEW 617446448   619,811 5,946 SH   SOLE   5,946 0 0
MURPHY USA INC COM 626755102   469,212 952 SH   SOLE   952 0 0
NETAPP INC COM 64110D104   538,751 4,362 SH   SOLE   4,362 0 0
NETFLIX INC COM 64110L106   1,472,445 2,076 SH   SOLE   2,076 0 0
NEXTERA ENERGY INC COM 65339F101   497,290 5,883 SH   SOLE   5,883 0 0
NIKE INC CL B 654106103   354,898 3,999 SH   SOLE   3,999 0 0
NISOURCE INC COM 65473P105   233,506 6,739 SH   SOLE   6,739 0 0
NORTHERN TR CORP COM 665859104   1,915,583 21,121 SH   SOLE   21,121 0 0
NOVARTIS AG SPONSORED ADR 66987V109   289,160 2,514 SH   SOLE   2,514 0 0
NOVO-NORDISK A S ADR 670100205   839,086 7,047 SH   SOLE   7,047 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   383,804 8,959 SH   SOLE   8,959 0 0
NVIDIA CORPORATION COM 67066G104   8,283,638 68,206 SH   SOLE   68,206 0 0
OKTA INC CL A 679295105   295,725 3,978 SH   SOLE   3,978 0 0
OMNICOM GROUP INC COM 681919106   612,564 5,885 SH   SOLE   5,885 0 0
ORACLE CORP COM 68389X105   5,055,598 29,669 SH   SOLE   29,669 0 0
OREILLY AUTOMOTIVE INC COM 67103H107   1,173,480 1,019 SH   SOLE   1,019 0 0
OTIS WORLDWIDE CORP COM 68902V107   348,199 3,350 SH   SOLE   3,350 0 0
OWENS CORNING NEW COM 690742101   285,256 1,616 SH   SOLE   1,616 0 0
PALO ALTO NETWORKS INC COM 697435105   2,644,848 7,738 SH   SOLE   7,738 0 0
PAYPAL HLDGS INC COM 70450Y103   2,364,153 30,298 SH   SOLE   30,298 0 0
PEPSICO INC COM 713448108   3,539,761 20,816 SH   SOLE   20,816 0 0
PFIZER INC COM 717081103   3,126,475 108,033 SH   SOLE   108,033 0 0
PHILIP MORRIS INTL INC COM 718172109   595,951 4,855 SH   SOLE   4,855 0 0
PINTEREST INC CL A 72352L106   371,769 11,485 SH   SOLE   11,485 0 0
PNC FINL SVCS GROUP INC COM 693475105   3,147,996 17,030 SH   SOLE   17,030 0 0
PROCTER AND GAMBLE CO COM 742718109   4,063,492 23,461 SH   SOLE   23,461 0 0
PROGRESSIVE CORP COM 743315103   6,467,581 25,487 SH   SOLE   25,487 0 0
PROSHARES TR SHORT QQQ 74349Y837   247,762 6,166 SH   SOLE   6,166 0 0
QORVO INC COM 74736K101   315,995 3,059 SH   SOLE   3,059 0 0
QUALCOMM INC COM 747525103   4,752,047 27,945 SH   SOLE   27,945 0 0
QUALYS INC COM 74758T303   228,787 1,781 SH   SOLE   1,781 0 0
REGENERON PHARMACEUTICALS COM 75886F107   388,959 370 SH   SOLE   370 0 0
REGIONS FINANCIAL CORP NEW COM 7591EP100   514,559 21,845 SH   SOLE   21,845 0 0
REINSURANCE GRP OF AMERICA I COM NEW 759351604   951,656 4,368 SH   SOLE   4,368 0 0
RLI CORP COM 749607107   737,550 4,759 SH   SOLE   4,759 0 0
ROBERT HALF INC. COM 770323103   1,042,091 15,459 SH   SOLE   15,459 0 0
ROSS STORES INC COM 778296103   807,035 5,362 SH   SOLE   5,362 0 0
RPM INTL INC COM 749685103   238,854 1,974 SH   SOLE   1,974 0 0
RTX CORPORATION COM 75513E101   1,093,227 9,023 SH   SOLE   9,023 0 0
S&P GLOBAL INC COM 78409V104   2,865,175 5,546 SH   SOLE   5,546 0 0
SALESFORCE INC COM 79466L302   1,973,078 7,201 SH   SOLE   7,201 0 0
SAP SE SPON ADR 803054204   345,025 1,506 SH   SOLE   1,506 0 0
SCHLUMBERGER LTD COM STK 806857108   280,653 6,648 SH   SOLE   6,648 0 0
SCHWAB CHARLES CORP COM 808513105   2,066,856 31,891 SH   SOLE   31,891 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   9,876,466 184,159 SH   SOLE   184,159 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   43,955,584 868,687 SH   SOLE   868,687 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   28,918,961 402,996 SH   SOLE   402,996 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   225,370 2,666 SH   SOLE   2,666 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763   25,429,218 426,880 SH   SOLE   426,880 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US B 808524789   1,927,997 27,398 SH   SOLE   27,398 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730   14,390,801 445,950 SH   SOLE   445,950 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   19,657,781 526,031 SH   SOLE   526,031 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   14,440,201 294,818 SH   SOLE   294,818 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   16,756,684 190,851 SH   SOLE   190,851 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,088,753 13,478 SH   SOLE   13,478 0 0
SERVICENOW INC COM 81762P102   482,076 539 SH   SOLE   539 0 0
SHELL PLC SPON ADS 780259305   320,979 4,867 SH   SOLE   4,867 0 0
SHOPIFY INC CL A 82509L107   280,971 3,506 SH   SOLE   3,506 0 0
SIMON PPTY GROUP INC NEW COM 828806109   362,210 2,143 SH   SOLE   2,143 0 0
SKYWORKS SOLUTIONS INC COM 83088M102   283,174 2,867 SH   SOLE   2,867 0 0
SMUCKER J M CO COM NEW 832696405   1,594,766 13,169 SH   SOLE   13,169 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   1,400,853 3,300 SH   SOLE   3,300 0 0
SPDR GOLD TR GOLD SHS 78463V107   400,806 1,649 SH   SOLE   1,649 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   2,144,537 51,951 SH   SOLE   51,951 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   26,026,158 45,223 SH   SOLE   45,223 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   5,552,590 9,719 SH   SOLE   9,719 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847   4,806,044 87,894 SH   SOLE   87,894 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   4,432,355 97,393 SH   SOLE   97,393 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656   890,156 33,872 SH   SOLE   33,872 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854   1,370,791 20,305 SH   SOLE   20,305 0 0
SPROUTS FMRS MKT INC COM 85208M102   953,390 8,635 SH   SOLE   8,635 0 0
STARBUCKS CORP COM 855244109   1,875,415 19,237 SH   SOLE   19,237 0 0
STEEL DYNAMICS INC COM 858119100   392,147 3,099 SH   SOLE   3,099 0 0
STRYKER CORPORATION COM 863667101   3,347,966 9,247 SH   SOLE   9,247 0 0
T-MOBILE US INC COM 872590104   296,333 1,436 SH   SOLE   1,436 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   546,240 3,134 SH   SOLE   3,134 0 0
TARGET CORP COM 87612E106   358,478 2,300 SH   SOLE   2,300 0 0
TAYLOR MORRISON HOME CORP COM 87724P106   639,577 9,103 SH   SOLE   9,103 0 0
TE CONNECTIVITY PLC ORD SHS G87052109   793,603 5,562 SH   SOLE   5,562 0 0
TESLA INC COM 88160R101   1,454,924 5,561 SH   SOLE   5,561 0 0
TEXAS INSTRS INC COM 882508104   1,768,033 8,559 SH   SOLE   8,559 0 0
THE CIGNA GROUP COM 125523100   310,064 895 SH   SOLE   895 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   1,141,396 1,844 SH   SOLE   1,844 0 0
TJX COS INC NEW COM 872540109   372,249 3,167 SH   SOLE   3,167 0 0
TORO CO COM 891092108   251,342 2,886 SH   SOLE   2,886 0 0
TOTALENERGIES SE SPONSORED ADS 89151E109   256,937 3,923 SH   SOLE   3,923 0 0
TRANSDIGM GROUP INC COM 893641100   647,917 454 SH   SOLE   454 0 0
TRIMTABS ETF TR FCF US QLTY ETF 89628W302   361,377 5,544 SH   SOLE   5,544 0 0
UBER TECHNOLOGIES INC COM 90353T100   231,342 3,078 SH   SOLE   3,078 0 0
ULTA BEAUTY INC COM 90384S303   600,023 1,542 SH   SOLE   1,542 0 0
UNDER ARMOUR INC CL C 904311206   221,983 26,553 SH   SOLE   26,553 0 0
UNILEVER PLC SPON ADR NEW 904767704   336,688 5,183 SH   SOLE   5,183 0 0
UNION PAC CORP COM 907818108   490,495 1,990 SH   SOLE   1,990 0 0
UNITED PARCEL SERVICE INC CL B 911312106   1,485,424 10,895 SH   SOLE   10,895 0 0
UNITED RENTALS INC COM 911363109   383,812 474 SH   SOLE   474 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,512,567 2,587 SH   SOLE   2,587 0 0
UNIVERSAL HLTH SVCS INC CL B 913903100   761,916 3,327 SH   SOLE   3,327 0 0
US BANCORP DEL COM NEW 902973304   2,935,050 63,488 SH   SOLE   63,488 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   11,785,278 22,269 SH   SOLE   22,269 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   5,022,918 17,684 SH   SOLE   17,684 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   309,765 1,302 SH   SOLE   1,302 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   215,775 3,425 SH   SOLE   3,425 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   359,100 3,000 SH   SOLE   3,000 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   336,374 2,670 SH   SOLE   2,670 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   20,452,652 400,091 SH   SOLE   400,091 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   41,631,659 524,196 SH   SOLE   524,196 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   4,789,856 79,276 SH   SOLE   79,276 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   1,471,064 31,160 SH   SOLE   31,160 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   49,966,455 251,311 SH   SOLE   251,311 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   696,300 13,185 SH   SOLE   13,185 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   717,920 5,600 SH   SOLE   5,600 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   14,377,056 162,857 SH   SOLE   162,857 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725   314,808 5,118 SH   SOLE   5,118 0 0
VANGUARD WORLD FD ENERGY ETF 92204A306   575,861 4,662 SH   SOLE   4,662 0 0
VERISK ANALYTICS INC COM 92345Y106   247,327 923 SH   SOLE   923 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   635,021 14,140 SH   SOLE   14,140 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100   570,188 1,226 SH   SOLE   1,226 0 0
VISA INC COM CL A 92826C839   5,424,764 19,730 SH   SOLE   19,730 0 0
WALMART INC COM 931142103   954,793 11,824 SH   SOLE   11,824 0 0
WASTE MGMT INC DEL COM 94106L109   269,672 1,299 SH   SOLE   1,299 0 0
WELLS FARGO CO NEW COM 949746101   479,374 8,486 SH   SOLE   8,486 0 0
WILLIAMS COS INC COM 969457100   233,865 5,123 SH   SOLE   5,123 0 0
WILLIAMS SONOMA INC COM 969904101   529,517 3,418 SH   SOLE   3,418 0 0
WILLIS TOWERS WATSON PLC LTD SHS G96629103   232,488 787 SH   SOLE   787 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669   548,271 6,589 SH   SOLE   6,589 0 0
WISDOMTREE TR INTL QULTY DIV 97717X131   1,405,133 35,891 SH   SOLE   35,891 0 0
XYLEM INC COM 98419M100   311,784 2,309 SH   SOLE   2,309 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102   464,459 4,293 SH   SOLE   4,293 0 0
ZOETIS INC CL A 98978V103   385,289 1,972 SH   SOLE   1,972 0 0