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
ABBOTT LABS COM 002824100   1,098,570 11,343 SH   SOLE   11,343 0 0
ABBVIE INC COM 00287Y109   1,844,767 12,376 SH   SOLE   12,376 0 0
ABRDN ETFS BBRG ALL COMD K1 003261104   2,076,485 98,365 SH   SOLE   98,365 0 0
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   2,276,579 128,693 SH   SOLE   128,693 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   4,082,413 13,293 SH   SOLE   13,293 0 0
ADOBE INC COM 00724F101   413,019 810 SH   SOLE   810 0 0
ADVANCED MICRO DEVICES INC COM 007903107   489,012 4,756 SH   SOLE   4,756 0 0
ALLIANT ENERGY CORP COM 018802108   287,066 5,925 SH   SOLE   5,925 0 0
ALPHABET INC CAP STK CL A 02079K305   2,213,104 16,912 SH   SOLE   16,912 0 0
ALPHABET INC CAP STK CL C 02079K107   5,929,426 44,971 SH   SOLE   44,971 0 0
ALPS ETF TR ALERIAN MLP 00162Q452   1,823,061 43,201 SH   SOLE   43,201 0 0
ALTRIA GROUP INC COM 02209S103   204,036 4,738 SH   SOLE   4,738 0 0
AMAZON COM INC COM 023135106   3,855,295 30,328 SH   SOLE   30,328 0 0
AMERICAN EXPRESS CO COM 025816109   2,688,404 18,020 SH   SOLE   18,020 0 0
AMERICAN FINL GROUP INC OHIO COM 025932104   594,419 5,323 SH   SOLE   5,323 0 0
AMERIPRISE FINL INC COM 03076C106   200,116 607 SH   SOLE   607 0 0
AMGEN INC COM 031162100   3,398,739 12,646 SH   SOLE   12,646 0 0
AMPHENOL CORP NEW CL A 032095101   760,663 9,034 SH   SOLE   9,034 0 0
ANALOG DEVICES INC COM 032654105   3,215,003 18,362 SH   SOLE   18,362 0 0
APPLE INC COM 037833100   12,557,978 73,348 SH   SOLE   73,348 0 0
ARCH CAP GROUP LTD ORD G0450A105   502,811 6,308 SH   SOLE   6,308 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   209,563 356 SH   SOLE   356 0 0
AT&T INC COM 00206R102   179,129 11,926 SH   SOLE   11,926 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   3,413,206 14,114 SH   SOLE   14,114 0 0
AUTOZONE INC COM 053332102   4,041,124 1,591 SH   SOLE   1,591 0 0
BANK AMERICA CORP COM 060505104   216,685 7,914 SH   SOLE   7,914 0 0
BECTON DICKINSON & CO COM 075887109   2,642,694 10,222 SH   SOLE   10,222 0 0
BERKLEY W R CORP COM 084423102   884,388 13,797 SH   SOLE   13,797 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   7,514,285 21,451 SH   SOLE   21,451 0 0
BLACKROCK INC COM 09247X101   395,652 612 SH   SOLE   612 0 0
BOEING CO COM 097023105   627,177 3,272 SH   SOLE   3,272 0 0
BOOKING HOLDINGS INC COM 09857L108   465,676 151 SH   SOLE   151 0 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   828,267 7,580 SH   SOLE   7,580 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   2,505,006 43,160 SH   SOLE   43,160 0 0
BROADCOM INC COM 11135F101   1,197,696 1,442 SH   SOLE   1,442 0 0
BROADSTONE NET LEASE INC COM 11135E203   231,895 15,905 SH   SOLE   15,905 0 0
BROWN & BROWN INC COM 115236101   816,779 11,695 SH   SOLE   11,695 0 0
BROWN FORMAN CORP CL B 115637209   307,370 5,309 SH   SOLE   5,309 0 0
CARDINAL HEALTH INC COM 14149Y108   953,891 10,987 SH   SOLE   10,987 0 0
CARMAX INC COM 143130102   350,043 4,949 SH   SOLE   4,949 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   518,273 9,389 SH   SOLE   9,389 0 0
CATERPILLAR INC COM 149123101   345,891 1,267 SH   SOLE   1,267 0 0
CDW CORP COM 12514G108   913,973 4,530 SH   SOLE   4,530 0 0
CENTENE CORP DEL COM 15135B101   275,796 4,004 SH   SOLE   4,004 0 0
CF INDS HLDGS INC COM 125269100   449,020 5,237 SH   SOLE   5,237 0 0
CHEVRON CORP NEW COM 166764100   5,671,365 33,634 SH   SOLE   33,634 0 0
CHUBB LIMITED COM H1467J104   251,052 1,201 SH   SOLE   1,201 0 0
CISCO SYS INC COM 17275R102   3,239,363 60,256 SH   SOLE   60,256 0 0
COCA COLA CO COM 191216100   224,704 3,981 SH   SOLE   3,981 0 0
COMCAST CORP NEW CL A 20030N101   891,544 20,107 SH   SOLE   20,107 0 0
COPART INC COM 217204106   1,132,491 26,282 SH   SOLE   26,282 0 0
COSTCO WHSL CORP NEW COM 22160K105   3,392,020 6,004 SH   SOLE   6,004 0 0
COUPANG INC CL A 22266T109   173,417 10,201 SH   SOLE   10,201 0 0
CRANE COMPANY COMMON STOCK 224408104   340,168 3,829 SH   SOLE   3,829 0 0
CSX CORP COM 126408103   769,888 25,037 SH   SOLE   25,037 0 0
CVS HEALTH CORP COM 126650100   2,954,992 42,323 SH   SOLE   42,323 0 0
CYBERARK SOFTWARE LTD SHS M2682V108   234,027 1,429 SH   SOLE   1,429 0 0
DANAHER CORPORATION COM 235851102   3,121,842 12,583 SH   SOLE   12,583 0 0
DEVON ENERGY CORP NEW COM 25179M103   1,423,225 29,837 SH   SOLE   29,837 0 0
DIAGEO PLC SPON ADR NEW 25243Q205   233,566 1,540 SH   SOLE   1,540 0 0
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   6,850,514 147,418 SH   SOLE   147,418 0 0
DIREXION SHS ETF TR DLY S&P500 BR 1X 25460E869   402,461 27,120 SH   SOLE   27,120 0 0
DISNEY WALT CO COM 254687106   1,767,133 21,803 SH   SOLE   21,803 0 0
DOCUSIGN INC COM 256163106   539,112 12,836 SH   SOLE   12,836 0 0
DOLLAR GEN CORP NEW COM 256677105   1,459,617 13,796 SH   SOLE   13,796 0 0
DOLLAR TREE INC COM 256746108   524,266 4,925 SH   SOLE   4,925 0 0
EATON CORP PLC SHS G29183103   350,206 1,642 SH   SOLE   1,642 0 0
EBAY INC. COM 278642103   2,375,922 53,888 SH   SOLE   53,888 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108   252,318 3,642 SH   SOLE   3,642 0 0
ELANCO ANIMAL HEALTH INC COM 28414H103   242,975 21,617 SH   SOLE   21,617 0 0
ELECTRONIC ARTS INC COM 285512109   1,660,798 13,794 SH   SOLE   13,794 0 0
ELI LILLY & CO COM 532457108   2,614,749 4,868 SH   SOLE   4,868 0 0
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   184,915 13,180 SH   SOLE   13,180 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107   355,810 13,000 SH   SOLE   13,000 0 0
EOG RES INC COM 26875P101   2,799,241 22,083 SH   SOLE   22,083 0 0
EQT CORP COM 26884L109   1,287,035 31,716 SH   SOLE   31,716 0 0
ETF SER SOLUTIONS DISTILLATE US 26922A321   34,809,567 779,784 SH   SOLE   779,784 0 0
EXACT SCIENCES CORP COM 30063P105   219,054 3,211 SH   SOLE   3,211 0 0
EXELIXIS INC COM 30161Q104   285,208 13,053 SH   SOLE   13,053 0 0
EXELON CORP COM 30161N101   210,944 5,582 SH   SOLE   5,582 0 0
EXPEDITORS INTL WASH INC COM 302130109   887,351 7,741 SH   SOLE   7,741 0 0
EXXON MOBIL CORP COM 30231G102   5,028,544 42,767 SH   SOLE   42,767 0 0
FASTENAL CO COM 311900104   788,510 14,431 SH   SOLE   14,431 0 0
FISERV INC COM 337738108   251,675 2,228 SH   SOLE   2,228 0 0
FLAHERTY & CRUMRINE PFD INCO COM 33848E106   74,400 10,000 SH   SOLE   10,000 0 0
FLEX LTD ORD Y2573F102   212,818 7,888 SH   SOLE   7,888 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   358,581 8,867 SH   SOLE   8,867 0 0
FLOOR & DECOR HLDGS INC CL A 339750101   451,776 4,992 SH   SOLE   4,992 0 0
FORD MTR CO DEL COM 345370860   133,937 10,784 SH   SOLE   10,784 0 0
GARTNER INC COM 366651107   749,413 2,181 SH   SOLE   2,181 0 0
GENERAL DYNAMICS CORP COM 369550108   278,864 1,262 SH   SOLE   1,262 0 0
GENERAL ELECTRIC CO COM NEW 369604301   347,157 3,138 SH   SOLE   3,138 0 0
GRANITESHARES ETF TR BBG COMMD K 1 38747R108   3,996,250 185,097 SH   SOLE   185,097 0 0
HALEON PLC SPON ADS 405552100   170,383 20,347 SH   SOLE   20,347 0 0
HF SINCLAIR CORP COM 403949100   588,087 10,330 SH   SOLE   10,330 0 0
HOME DEPOT INC COM 437076102   1,569,117 5,193 SH   SOLE   5,193 0 0
HONEYWELL INTL INC COM 438516106   280,251 1,517 SH   SOLE   1,517 0 0
ICON PLC SHS G4705A100   256,839 1,043 SH   SOLE   1,043 0 0
ING GROEP N.V. SPONSORED ADR 456837103   155,458 11,795 SH   SOLE   11,795 0 0
INGERSOLL RAND INC COM 45687V106   255,645 4,012 SH   SOLE   4,012 0 0
INTEL CORP COM 458140100   355,038 9,987 SH   SOLE   9,987 0 0
INTELLIA THERAPEUTICS INC COM 45826J105   988,631 31,266 SH   SOLE   31,266 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   266,909 2,426 SH   SOLE   2,426 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   276,672 1,972 SH   SOLE   1,972 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   302,812 1,036 SH   SOLE   1,036 0 0
INVESCO EXCH TRADED FD TR II S&P MDCP 400 REV 46138G672   11,582,331 123,440 SH   SOLE   123,440 0 0
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698   5,833,464 74,654 SH   SOLE   74,654 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   2,069,560 90,020 SH   SOLE   90,020 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   831,790 41,362 SH   SOLE   41,362 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528   2,041,409 85,041 SH   SOLE   85,041 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   6,386,196 300,810 SH   SOLE   300,810 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 MUNI 46138J536   2,542,963 103,185 SH   SOLE   103,185 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   4,350,374 210,468 SH   SOLE   210,468 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 MUNI 46138J544   1,124,947 44,926 SH   SOLE   44,926 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597   1,202,980 36,465 SH   SOLE   36,465 0 0
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308   5,748,363 63,892 SH   SOLE   63,892 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   6,060,596 190,465 SH   SOLE   190,465 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   1,435,222 4,000 SH   SOLE   4,000 0 0
ISHARES GOLD TR ISHARES NEW 464285204   12,296,116 351,418 SH   SOLE   351,418 0 0
ISHARES INC MSCI PAC JP ETF 464286665   437,580 11,000 SH   SOLE   11,000 0 0
ISHARES INC CORE MSCI EMKT 46434G103   9,870,355 207,404 SH   SOLE   207,404 0 0
ISHARES TR IBONDS 24 TRM TS 46436E874   1,709,066 71,689 SH   SOLE   71,689 0 0
ISHARES TR RUS MID CAP ETF 464287499   1,810,564 26,023 SH   SOLE   26,023 0 0
ISHARES TR IBONDS 25 TRM TS 46436E866   382,389 16,568 SH   SOLE   16,568 0 0
ISHARES TR IBONDS 23 TRM HG 46435U150   781,917 33,076 SH   SOLE   33,076 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,584,333 22,988 SH   SOLE   22,988 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   622,819 2,337 SH   SOLE   2,337 0 0
ISHARES TR IBONDS 29 TRM TS 46436E825   369,369 17,589 SH   SOLE   17,589 0 0
ISHARES TR IBONDS 27 TRM TS 46436E841   368,544 16,867 SH   SOLE   16,867 0 0
ISHARES TR IBONDS 23 TRM TS 46436E882   3,080,832 124,127 SH   SOLE   124,127 0 0
ISHARES TR 0-3 MNTH TREASRY 46436E718   54,192,861 538,322 SH   SOLE   538,322 0 0
ISHARES TR SELECT DIVID ETF 464287168   763,733 7,000 SH   SOLE   7,000 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   517,980 13,649 SH   SOLE   13,649 0 0
ISHARES TR CORE MSCI INTL 46435G326   4,327,057 74,246 SH   SOLE   74,246 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   4,986,239 100,065 SH   SOLE   100,065 0 0
ISHARES TR MSCI USA ESG SLC 464288802   1,139,323 12,608 SH   SOLE   12,608 0 0
ISHARES TR BLACKROCK ULTRA 46434V878   8,424,594 167,221 SH   SOLE   167,221 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243   355,029 14,936 SH   SOLE   14,936 0 0
ISHARES TR NATIONAL MUN ETF 464288414   10,172,891 99,209 SH   SOLE   99,209 0 0
ISHARES TR IBONDS DEC2023 46435G318   611,426 23,954 SH   SOLE   23,954 0 0
ISHARES TR CORE MSCI EAFE 46432F842   14,642,795 227,549 SH   SOLE   227,549 0 0
ISHARES TR IBONDS DEC 46435U697   1,031,428 40,149 SH   SOLE   40,149 0 0
ISHARES TR CORE S&P SCP ETF 464287804   19,492,092 205,634 SH   SOLE   205,634 0 0
ISHARES TR CORE S&P MCP ETF 464287507   26,599,547 106,190 SH   SOLE   106,190 0 0
ISHARES TR CORE S&P500 ETF 464287200   51,464,109 119,290 SH   SOLE   119,290 0 0
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   28,571,713 573,614 SH   SOLE   573,614 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   33,047,864 655,062 SH   SOLE   655,062 0 0
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   3,161,899 65,369 SH   SOLE   65,369 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   9,167,915 182,701 SH   SOLE   182,701 0 0
JANUS DETROIT STR TR HENDERSN SML ETF 47103U209   10,004,707 171,196 SH   SOLE   171,196 0 0
JOHNSON & JOHNSON COM 478160104   4,172,231 26,788 SH   SOLE   26,788 0 0
JPMORGAN CHASE & CO COM 46625H100   4,286,501 29,558 SH   SOLE   29,558 0 0
KEYSIGHT TECHNOLOGIES INC COM 49338L103   279,571 2,113 SH   SOLE   2,113 0 0
KROGER CO COM 501044101   2,674,573 59,767 SH   SOLE   59,767 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409   645,169 3,209 SH   SOLE   3,209 0 0
LAM RESEARCH CORP COM 512807108   354,632 564 SH   SOLE   564 0 0
LENNAR CORP CL A 526057104   289,217 2,577 SH   SOLE   2,577 0 0
LIBERTY BROADBAND CORP COM SER C 530307305   479,795 5,254 SH   SOLE   5,254 0 0
LINDE PLC SHS G54950103   627,037 1,684 SH   SOLE   1,684 0 0
LOWES COS INC COM 548661107   2,239,892 10,777 SH   SOLE   10,777 0 0
MARATHON OIL CORP COM 565849106   222,614 8,322 SH   SOLE   8,322 0 0
MARATHON PETE CORP COM 56585A102   3,818,308 25,230 SH   SOLE   25,230 0 0
MARKEL GROUP INC COM 570535104   946,811 643 SH   SOLE   643 0 0
MASTERCARD INCORPORATED CL A 57636Q104   1,085,189 2,741 SH   SOLE   2,741 0 0
MCDONALDS CORP COM 580135101   3,074,388 11,670 SH   SOLE   11,670 0 0
MCKESSON CORP COM 58155Q103   3,909,416 8,972 SH   SOLE   8,972 0 0
MEDTRONIC PLC SHS G5960L103   2,290,019 28,969 SH   SOLE   28,969 0 0
MERCK & CO INC COM 58933Y105   651,195 6,281 SH   SOLE   6,281 0 0
META PLATFORMS INC CL A 30303M102   876,013 2,918 SH   SOLE   2,918 0 0
METLIFE INC COM 59156R108   268,689 4,271 SH   SOLE   4,271 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104   649,064 8,316 SH   SOLE   8,316 0 0
MICROSOFT CORP COM 594918104   9,327,255 29,540 SH   SOLE   29,540 0 0
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   187,264 22,057 SH   SOLE   22,057 0 0
MONDELEZ INTL INC CL A 609207105   574,380 8,226 SH   SOLE   8,226 0 0
MORGAN STANLEY COM NEW 617446448   228,104 2,793 SH   SOLE   2,793 0 0
MURPHY USA INC COM 626755102   273,726 801 SH   SOLE   801 0 0
NETFLIX INC COM 64110L106   320,205 848 SH   SOLE   848 0 0
NIKE INC CL B 654106103   351,561 3,663 SH   SOLE   3,663 0 0
NORTHERN TR CORP COM 665859104   1,500,152 21,360 SH   SOLE   21,360 0 0
NOVO-NORDISK A S ADR 670100205   301,830 3,319 SH   SOLE   3,319 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   294,299 8,452 SH   SOLE   8,452 0 0
NVIDIA CORPORATION COM 67066G104   1,912,651 4,397 SH   SOLE   4,397 0 0
OMNICOM GROUP INC COM 681919106   464,423 6,175 SH   SOLE   6,175 0 0
ORACLE CORP COM 68389X105   2,405,337 22,709 SH   SOLE   22,709 0 0
OREILLY AUTOMOTIVE INC COM 67103H107   717,091 789 SH   SOLE   789 0 0
OTIS WORLDWIDE CORP COM 68902V107   257,474 3,206 SH   SOLE   3,206 0 0
PALO ALTO NETWORKS INC COM 697435105   971,988 4,146 SH   SOLE   4,146 0 0
PAYPAL HLDGS INC COM 70450Y103   1,635,477 27,976 SH   SOLE   27,976 0 0
PEPSICO INC COM 713448108   3,404,727 20,094 SH   SOLE   20,094 0 0
PFIZER INC COM 717081103   2,923,471 88,136 SH   SOLE   88,136 0 0
PHILIP MORRIS INTL INC COM 718172109   355,336 3,785 SH   SOLE   3,785 0 0
PNC FINL SVCS GROUP INC COM 693475105   2,320,230 18,899 SH   SOLE   18,899 0 0
PROCTER AND GAMBLE CO COM 742718109   3,049,203 20,905 SH   SOLE   20,905 0 0
PROGRESSIVE CORP COM 743315103   3,592,686 25,791 SH   SOLE   25,791 0 0
PROSHARES TR SHRT RUSSELL2000 74348A210   249,847 10,320 SH   SOLE   10,320 0 0
QUALCOMM INC COM 747525103   2,854,686 25,704 SH   SOLE   25,704 0 0
REGIONS FINANCIAL CORP NEW COM 7591EP100   392,632 22,513 SH   SOLE   22,513 0 0
REINSURANCE GRP OF AMERICA I COM NEW 759351604   697,348 4,803 SH   SOLE   4,803 0 0
RLI CORP COM 749607107   642,352 4,727 SH   SOLE   4,727 0 0
ROSS STORES INC COM 778296103   563,169 4,986 SH   SOLE   4,986 0 0
RTX CORPORATION COM 75513E101   537,544 7,469 SH   SOLE   7,469 0 0
RUBICON TECHNOLOGIES INC CL A 78112J208   29,946 14,397 SH   SOLE   14,397 0 0
S&P GLOBAL INC COM 78409V104   1,183,198 3,238 SH   SOLE   3,238 0 0
SALESFORCE INC COM 79466L302   318,365 1,570 SH   SOLE   1,570 0 0
SCHLUMBERGER LTD COM STK 806857108   385,763 6,591 SH   SOLE   6,591 0 0
SCHWAB CHARLES CORP COM 808513105   1,788,258 32,573 SH   SOLE   32,573 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789   1,539,425 27,942 SH   SOLE   27,942 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   225,088 3,181 SH   SOLE   3,181 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   6,376,889 133,157 SH   SOLE   133,157 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   15,488,104 489,047 SH   SOLE   489,047 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   7,048,406 139,600 SH   SOLE   139,600 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   20,123,347 359,538 SH   SOLE   359,538 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   27,519,446 574,039 SH   SOLE   574,039 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   19,531,808 402,801 SH   SOLE   402,801 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   10,482,165 399,777 SH   SOLE   399,777 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   589,300 10,000 SH   SOLE   10,000 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   15,111,352 167,179 SH   SOLE   167,179 0 0
SHELL PLC SPON ADS 780259305   281,469 4,372 SH   SOLE   4,372 0 0
SIMON PPTY GROUP INC NEW COM 828806109   217,248 2,011 SH   SOLE   2,011 0 0
SMITH A O CORP COM 831865209   338,453 5,118 SH   SOLE   5,118 0 0
SMUCKER J M CO COM NEW 832696405   1,820,297 14,810 SH   SOLE   14,810 0 0
SONY GROUP CORP SPONSORED ADR 835699307   327,992 3,980 SH   SOLE   3,980 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   1,108,381 3,300 SH   SOLE   3,300 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,706,061 50,821 SH   SOLE   50,821 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   20,126,495 46,908 SH   SOLE   46,908 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   4,468,315 9,752 SH   SOLE   9,752 0 0
SPDR SER TR S&P DIVID ETF 78464A763   201,268 1,750 SH   SOLE   1,750 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   3,211,961 87,045 SH   SOLE   87,045 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300   8,635,302 119,322 SH   SOLE   119,322 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656   806,654 32,474 SH   SOLE   32,474 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847   3,833,902 87,552 SH   SOLE   87,552 0 0
STARBUCKS CORP COM 855244109   1,785,971 19,568 SH   SOLE   19,568 0 0
STEEL DYNAMICS INC COM 858119100   289,996 2,694 SH   SOLE   2,694 0 0
STRYKER CORPORATION COM 863667101   2,775,275 10,128 SH   SOLE   10,128 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   218,745 2,504 SH   SOLE   2,504 0 0
TAYLOR MORRISON HOME CORP COM 87724P106   334,489 7,850 SH   SOLE   7,850 0 0
TE CONNECTIVITY LTD SHS H84989104   671,756 5,438 SH   SOLE   5,438 0 0
TESLA INC COM 88160R101   704,369 2,815 SH   SOLE   2,815 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   711,683 1,405 SH   SOLE   1,405 0 0
TORO CO COM 891092108   240,325 2,892 SH   SOLE   2,892 0 0
TOTALENERGIES SE SPONSORED ADS 89151E109   258,782 3,888 SH   SOLE   3,888 0 0
TRANSDIGM GROUP INC COM 893641100   237,763 282 SH   SOLE   282 0 0
TRIMTABS ETF TR FCF US QLTY ETF 89628W302   283,795 5,544 SH   SOLE   5,544 0 0
ULTA BEAUTY INC COM 90384S303   582,398 1,458 SH   SOLE   1,458 0 0
UNDER ARMOUR INC CL C 904311206   181,084 28,383 SH   SOLE   28,383 0 0
UNION PAC CORP COM 907818108   284,675 1,398 SH   SOLE   1,398 0 0
UNITED PARCEL SERVICE INC CL B 911312106   598,385 3,839 SH   SOLE   3,839 0 0
UNITEDHEALTH GROUP INC COM 91324P102   799,645 1,586 SH   SOLE   1,586 0 0
UNIVERSAL HLTH SVCS INC CL B 913903100   426,099 3,389 SH   SOLE   3,389 0 0
US BANCORP DEL COM NEW 902973304   383,295 11,428 SH   SOLE   11,428 0 0
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   2,557,214 33,003 SH   SOLE   33,003 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,505,638 16,504 SH   SOLE   16,504 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   8,039,564 20,395 SH   SOLE   20,395 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   640,492 6,031 SH   SOLE   6,031 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   16,748,372 348,199 SH   SOLE   348,199 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   1,364,185 31,160 SH   SOLE   31,160 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   29,022,621 386,196 SH   SOLE   386,196 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   4,080,453 71,399 SH   SOLE   71,399 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   35,010,979 224,213 SH   SOLE   224,213 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   655,800 15,000 SH   SOLE   15,000 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   10,624,840 148,953 SH   SOLE   148,953 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   5,218,693 50,510 SH   SOLE   50,510 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725   263,095 5,216 SH   SOLE   5,216 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   343,005 2,688 SH   SOLE   2,688 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   295,032 9,103 SH   SOLE   9,103 0 0
VISA INC COM CL A 92826C839   3,972,503 17,271 SH   SOLE   17,271 0 0
WALMART INC COM 931142103   308,025 1,926 SH   SOLE   1,926 0 0
WISDOMTREE TR INTL QULTY DIV 97717X131   478,891 14,956 SH   SOLE   14,956 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102   405,981 3,610 SH   SOLE   3,610 0 0
ZOETIS INC CL A 98978V103   330,214 1,898 SH   SOLE   1,898 0 0