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
AFLAC INC COMMON 001055102   466 5,647 SH   SOLE   5,647 0 0
AT&T INC COMMON 00206R102   5,944 353,978 SH   SOLE   320,493 0 33,485
ABBOTT LABS COMMON 002824100   12,033 109,332 SH   SOLE   99,732 0 9,600
ADV MICRO DEVICES COMMON 007903107   14,961 101,478 SH   SOLE   91,648 0 9,830
AGILENT TECHN INC COMMON 00846U101   2,767 19,907 SH   SOLE   18,767 0 1,140
ALPHABET INC CLASS C 02079K107   29,651 210,390 SH   SOLE   186,950 0 23,440
ALPHABET INC CLASS A 02079K305   7,921 56,704 SH   SOLE   54,714 0 1,990
AMAZON COM INC COMMON 023135106   898 5,900 SH   SOLE   5,900 0 0
AMERICAN EXPRESS CO COMMON 025816109   3,472 18,535 SH   SOLE   17,465 0 1,070
AMERN INTL GROUP INC COMMON 026874784   7,393 109,110 SH   SOLE   99,060 0 10,050
CENCORA INC COMMON 03073E105   5,035 24,514 SH   SOLE   23,064 0 1,450
AMGEN INC COMMON 031162100   2,584 8,975 SH   SOLE   8,455 0 520
APPLE INC COMMON 037833100   41,823 217,245 SH   SOLE   196,455 0 20,790
BANK OF NEW YORK MEL COMMON 064058100   6,720 129,043 SH   SOLE   117,293 0 11,750
BIOGEN INC COMMON 09062X103   7,282 28,139 SH   SOLE   25,589 0 2,550
BORG WARNER INC COMMON 099724106   5,025 140,099 SH   SOLE   127,299 0 12,800
BROADCOM INC COMMON 11135F101   11,319 10,142 SH   SOLE   9,125 0 1,017
CATERPILLAR INC COMMON 149123101   10,257 34,699 SH   SOLE   31,484 0 3,215
CELANESE CORP COMMON STOCK 150870103   7,351 47,335 SH   SOLE   42,435 0 4,900
CENTENE CORP DEL COMMON 15135B101   12,347 166,385 SH   SOLE   150,895 0 15,490
CHARTER COMMUNICATIO CL A 16119P108   1,284 3,298 SH   SOLE   3,069 0 229
CHEVRON CORP COMMON 166764100   12,301 82,481 SH   SOLE   75,111 0 7,370
CISCO SYSTEMS INC COMMON 17275R102   9,202 182,160 SH   SOLE   164,670 0 17,490
DBX ETF TR XT MSCI EAFE HDIV YL 233051630   2,296 93,124 SH   SOLE   93,124 0 0
DEERE & CO COMMON 244199105   9,844 24,609 SH   SOLE   22,249 0 2,360
DELL TECHNOLOGIES IN COMMON CLASS C 24703L202   10,188 133,165 SH   SOLE   120,696 0 12,469
DICKS SPORTING GOODS COMMON 253393102   15,087 102,666 SH   SOLE   92,786 0 9,880
WALT DISNEY CO COM 254687106   8,006 88,697 SH   SOLE   80,937 0 7,760
DISCOVER FINL SVCS COM 254709108   10,547 93,826 SH   SOLE   85,676 0 8,150
DOMINION ENERGY INC COMMON 25746U109   926 19,699 SH   SOLE   19,699 0 0
DOVER CORP COMMON 260003108   8,071 52,470 SH   SOLE   47,350 0 5,120
EOG RESOURCES INC COMMON 26875P101   8,797 72,738 SH   SOLE   65,638 0 7,100
ETF SER SOLUTIONS AAM LW DUR PFD 26922A198   523 25,000 SH   SOLE   25,000 0 0
EUROPACIFIC GROWTHF SHS CLF-2 29875E100   804 14,734 SH   SOLE   14,734 0 0
EXPEDIA GROUP INC COMMON 30212P303   15,616 102,874 SH   SOLE   92,679 0 10,195
META PLATFORMS INC COM USD0.000006 CL A 30303M102   15,402 43,515 SH   SOLE   39,165 0 4,350
FEDERATED HERMES INC CLASS B 314211103   1,873 55,303 SH   SOLE   51,803 0 3,500
F5 INC COMMON 315616102   5,685 31,777 SH   SOLE   28,527 0 3,250
FIDELITYCOVINGTON TR MSCI INDL INDX 316092709   1,035 16,900 SH   SOLE   16,900 0 0
FIDELITY COVINGTON MSCI COMMNTN SVC 316092873   793 17,800 SH   SOLE   17,800 0 0
FREEPORT-MCMORAN INC COMMON 35671D857   6,024 141,490 SH   SOLE   132,890 0 8,600
GAMING&LEISURE PPTYS COMMON 36467J108   11,203 227,070 SH   SOLE   206,205 0 20,865
GILEAD SCIENCES INC COMMON 375558103   5,640 69,625 SH   SOLE   62,575 0 7,050
GLOBAL X FDS US PFD ETF 37954Y657   507 26,100 SH   SOLE   26,100 0 0
GOLDMAN SACHS GROUP COMMON 38141G104   13,731 35,581 SH   SOLE   32,271 0 3,310
GOLDMAN SACHS TR STRU INTLSC IN 38144N593   586 48,161 SH   SOLE   48,161 0 0
GOLDMAN SACHS TR STRU EMKEQT IR 38145C596   303 14,250 SH   SOLE   14,250 0 0
GRAINGER W W INC COMMON 384802104   378 456 SH   SOLE   456 0 0
HARRIS ASSOC INVT TR OAKMK GLBSEL I 413838822   338 15,801 SH   SOLE   15,801 0 0
HOME DEPOT INC COMMON 437076102   286 825 SH   SOLE   825 0 0
HONEYWELL INTL INC COMMON 438516106   10,977 52,344 SH   SOLE   49,394 0 2,950
HUMANA INC COMMON 444859102   8,594 18,776 SH   SOLE   17,046 0 1,730
ILLINOIS TOOL WORKS COMMON 452308109   218 833 SH   SOLE   833 0 0
INTERNATIONAL GRW & CL F-1 SHS 45956T402   365 10,165 SH   SOLE   10,165 0 0
INVESCO QQQ TR QQQ TRUST SERIES 1 46090E103   95,994 234,401 SH   SOLE   205,475 0 28,926
INVESCO EXCHANGETRAD S&P 500 GARP ETF 46137V431   1,569 16,000 SH   SOLE   16,000 0 0
INVESCO ETF FD TR II PFD ETF 46138E511   708 61,700 SH   SOLE   61,700 0 0
ISHARES INC MSCI EUROZONE 464286608   25,214 531,500 SH   SOLE   531,500 0 0
ISHARES MSCI GERMANY ETF 464286806   1,606 54,076 SH   SOLE   54,076 0 0
ISHARES TRUST CORE S&P 500 ETF 464287200   4,805 10,060 SH   SOLE   10,060 0 0
ISHARES RUS MD CP GR ETF 464287481   26,011 249,000 SH   SOLE   249,000 0 0
ISHARES RUS 2000 GRW ETF 464287648   26,231 104,000 SH   SOLE   104,000 0 0
ISHARES RUSSELL 2000 ETF 464287655   2,208 11,000 SH   SOLE   11,000 0 0
ISHARES RUSSELL 3000 ETF 464287689   25,567 93,400 SH   SOLE   93,400 0 0
ISHARES TR NATL AMT FREE MUNI B 464288414   24,880 229,500 SH   SOLE   229,500 0 0
ISHARES TR MBS FIXED BDFD 464288588   2,004 21,300 SH   SOLE   21,300 0 0
ISHARES EAFE VALUE ETF 464288877   5,063 97,151 SH   SOLE   97,151 0 0
ISHARES TR CORE MSCI EAFE 46432F842   3,058 43,474 SH   SOLE   43,474 0 0
ISHARES TR CORE DIV GRWTH 46434V621   981 18,220 SH   SOLE   18,220 0 0
ISHARES TR MSCI UK ETF 46435G334   2,193 66,378 SH   SOLE   66,378 0 0
ISHARES TR BROAD USD HIGH 46435U853   500 13,750 SH   SOLE   13,750 0 0
JPMORGAN CHASE & CO COMMON 46625H100   16,967 99,771 SH   SOLE   91,096 0 8,675
JACOBS SOLUTIONS INC COMMON 46982L108   11,522 88,765 SH   SOLE   79,820 0 8,945
JOHNSON & JOHNSON COMMON 478160104   203 1,297 SH   SOLE   1,297 0 0
L3HARRIS TECHNOLOGIE USD1 502431109   213 1,010 SH   SOLE   1,010 0 0
LILLY ELI & CO COMMON 532457108   909 1,562 SH   SOLE   1,562 0 0
MARATHON PETROLEUM COMMON 56585A102   21,501 144,921 SH   SOLE   131,771 0 13,150
MARRIOTT INTL INC CLASS A 571903202   9,036 40,065 SH   SOLE   35,885 0 4,180
MCDONALDS CORP COMMON 580135101   431 1,453 SH   SOLE   1,453 0 0
MERCK & CO INC COMMON 58933Y105   9,139 83,798 SH   SOLE   76,058 0 7,740
MICROSOFT CORP COMMON 594918104   41,808 111,177 SH   SOLE   100,467 0 10,710
NEXTERA ENERGY INC COMMON 65339F101   2,883 47,452 SH   SOLE   44,592 0 2,860
NORTH SQ INVSTMNTS T OAK RIDGE DICP I 66263L601   9,754 835,865 SH   SOLE   835,865 0 0
NORTH SQ INVSTMNTS T ADVSY RSCH ACP I 66263L775   18,298 1,605,053 SH   SOLE   1,605,053 0 0
NORTH SQ INVSTMNTS T DYNAMIC SMCP I 66263L825   67,770 4,893,185 SH   SOLE   4,893,185 0 0
NORTH SQ INVSTMNTS T OAK RIDGE DIVD I 66263L882   6,324 323,488 SH   SOLE   323,488 0 0
NVIDIA CORP COMMON 67066G104   498 1,005 SH   SOLE   1,005 0 0
ORACLE CORP COMMON 68389X105   10,848 102,914 SH   SOLE   93,594 0 9,320
PHILIP MORRIS INTL COMMON 718172109   8,512 90,491 SH   SOLE   79,271 0 11,220
PRICE T ROWE GROUP COM 74144T108   6,568 60,982 SH   SOLE   55,447 0 5,535
PROCTER AND GAMBLE COM 742718109   307 2,098 SH   SOLE   2,098 0 0
PRUDENTIAL WORLD FD JNSON GL OPT Z 743969685   2,227 56,791 SH   SOLE   56,791 0 0
PUBLIC SVC ENTERPR COMMON 744573106   5,599 91,549 SH   SOLE   82,949 0 8,600
RTX CORPORATION COM USD1 75513E101   5,790 68,794 SH   SOLE   61,494 0 7,300
ROWE T PRICE INTL FD EMERG MKTS STK 77956H864   537 15,496 SH   SOLE   15,496 0 0
SCE TR III FXD/FLT RT PFD 78409B207   1,404 56,450 SH   SOLE   56,450 0 0
SPDR S&P 500 ETF TR UNITS SER 1 S&P 78462F103   88,901 187,039 SH   SOLE   161,240 0 25,799
SPDR S&P 500 ETF TR UNITS SER 1 S&P 78462F103   2,377 50 SH   SOLE   50 0 0
ETF S&P EMRG MKTS PRTFLIO EMER MARKETS 78463X509   3,013 85,101 SH   SOLE   84,000 0 1,101
S&P WRLD EX US DVLP WORLD EX-US ETF 78463X889   9,072 266,750 SH   SOLE   263,300 0 3,450
SPDR SERIES TRUST PORTFOLIO LONG TERM 78464A367   997 41,900 SH   SOLE   41,900 0 0
SPDR SERIES TRUST PORTFOLIO INTERMEDIA 78464A375   3,500 106,600 SH   SOLE   106,600 0 0
SPDR SERIES TRUST PORTFOLIO SHORT TERM 78464A474   2,028 68,100 SH   SOLE   68,100 0 0
SPDR SERIES TRUST SPDR PRT S&P 500 ETF 78464A854   19,213 343,719 SH   SOLE   340,560 0 3,159
SPDR S&P BIOTECH SPDR SERIES TRUST 78464A870   28,242 316,300 SH   SOLE   316,300 0 0
SPDR SER TR SPDR S&P 600 SMLCAP 78468R853   1,799 42,652 SH   SOLE   42,100 0 552
SALESFORCE INC COMMON 79466L302   9,166 34,840 SH   SOLE   31,720 0 3,120
SCHWAB STRATEGIC T US DIVIDEND EQUTY ET 808524797   927 12,182 SH   SOLE   12,182 0 0
SELECT SECTOR SPDR AMEX FINANCIAL INDEX 81369Y605   25,903 688,900 SH   SOLE   688,900 0 0
SEMPRA COMMON 816851109   1,297 17,358 SH   SOLE   17,358 0 0
SOUTHERN CO COMMON 842587107   402 5,726 SH   SOLE   5,726 0 0
STARBUCKS CORP COMMON 855244109   7,650 79,710 SH   SOLE   71,460 0 8,250
STATE STREET CORP DEP SHS 1/4000TH INT 857477855   477 20,100 SH   SOLE   20,100 0 0
SYSCO CORP COMMON 871829107   206 2,823 SH   SOLE   2,823 0 0
TARGET CORPORATION COMMON 87612E106   9,920 69,631 SH   SOLE   60,131 0 9,500
TRUIST FINANCIAL COR COM USD5 89832Q109   210 5,691 SH   SOLE   5,691 0 0
US BANCORP DEL COMMON 902973304   1,873 43,270 SH   SOLE   40,350 0 2,920
UNITED PARCEL SERVIC CLASS B 911312106   7,579 48,200 SH   SOLE   43,130 0 5,070
UNITEDHEALTH GRP INC COMMON 91324P102   262 498 SH   SOLE   498 0 0
VANECK ETF TR FALLEN ANGEL HIGH YL 92189F437   999 34,700 SH   SOLE   34,700 0 0
VANGUARD SPECIALIZED DIV APPRECIATION 921908844   4,249 24,934 SH   SOLE   24,934 0 0
VANGUARD STAR FUND TOT INTL STK IDX FD 921909768   7,555 130,374 SH   SOLE   130,374 0 0
VANGUARD TAX MANAGED FTSE DEV MKT ETF 921943858   11,752 245,328 SH   SOLE   245,328 0 0
VANGUARD INTL EQUITY INDEX FD FTSE SMCAP 922042718   270 2,350 SH   SOLE   2,350 0 0
VANGUARD INTL EQUITY ETF ALL-WORLD EX-US 922042775   2,435 43,350 SH   SOLE   43,350 0 0
VANGUARD SCOTTSDAL FDS VNG RUS2000IDX 92206C664   21,976 270,991 SH   SOLE   270,991 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   11,122 25,465 SH   SOLE   25,465 0 0
VANGUARD INDEX TR SMALL CAP VALUE 922908611   3,140 17,434 SH   SOLE   17,434 0 0
VANGUARD INDEX TR GROWTH 922908736   65,778 211,587 SH   SOLE   211,587 0 0
VANGUARD INDEX TR VALUE 922908744   80,219 536,583 SH   SOLE   536,583 0 0
VANGUARD INDEX TR SMALL CAP 922908751   7,337 34,380 SH   SOLE   34,380 0 0
VISA INC CLASS A 92826C839   233 895 SH   SOLE   895 0 0
VIRTUS OPPORTUNITIES KAR INTLSMLMDCP CL I 92828W825   514 28,106 SH   SOLE   28,106 0 0
WALMART INC COMMON 931142103   11,800 74,831 SH   SOLE   73,481 0 1,350
WALGREENS BOOTS ALNC COMMON 931427108   3,131 119,935 SH   SOLE   104,285 0 15,650
WASTE MANAGEMENT INC COMMON 94106L109   469 2,619 SH   SOLE   2,619 0 0
WELLS FARGO & CO COMMON 949746101   7,763 157,722 SH   SOLE   143,382 0 14,340
WELLS FARGO & CO 7.5% PFD CLA SER L 949746804   2,092 1,750 SH   SOLE   1,750 0 0
WISDOMTREE TR JAPAN HEDGE EQT 97717W851   1,723 19,602 SH   SOLE   19,602 0 0
WISDOMTREE TR ETF INTL HEDGE EQT 97717X701   1,623 37,894 SH   SOLE   37,894 0 0
SENSATA TECH HLD PLC COM EUR0.01 G8060N102   7,553 200,977 SH   SOLE   182,397 0 18,580
CHUBB LIMITED COMMON H1467J104   9,819 43,464 SH   SOLE   39,519 0 3,945