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 CO COM 88579Y101   765,586 5,600 SH   SOLE 0 0 0 5,600
ABBOTT LABS COM 002824100   425,029 3,728 SH   SOLE 0 0 0 3,728
ABBVIE INC COM 00287Y109   492,864 2,496 SH   SOLE 0 0 0 2,496
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,287,728 3,643 SH   SOLE 0 0 0 3,643
ADOBE INC COM 00724F101   1,730,421 3,342 SH   SOLE 0 0 0 3,342
AFFILIATED MANAGERS GROUP IN COM 008252108   1,067,156 6,002 SH   SOLE 0 0 0 6,002
AFLAC INC COM 001055102   1,618,890 14,480 SH   SOLE 0 0 0 14,480
AGILENT TECHNOLOGIES INC COM 00846U101   377,436 2,542 SH   SOLE 0 0 0 2,542
AIR PRODS & CHEMS INC COM 009158106   416,241 1,398 SH   SOLE 0 0 0 1,398
ALCON AG ORD SHS H01301128   307,115 3,069 SH   SOLE 0 0 0 3,069
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   505,662 4,765 SH   SOLE 0 0 0 4,765
ALLSTATE CORP COM 020002101   1,243,914 6,559 SH   SOLE 0 0 0 6,559
ALPHABET INC CAP STK CL A 02079K305   1,105,923 6,668 SH   SOLE 0 0 0 6,668
ALPHABET INC CAP STK CL C 02079K107   3,346,802 20,018 SH   SOLE 0 0 0 20,018
ALTRIA GROUP INC COM 02209S103   2,093,252 41,012 SH   SOLE 0 0 0 41,012
AMAZON COM INC COM 023135106   2,645,798 14,200 SH   SOLE 0 0 0 14,200
AMERICAN EXPRESS CO COM 025816109   347,950 1,283 SH   SOLE 0 0 0 1,283
AMERICAN INTL GROUP INC COM NEW 026874784   706,743 9,651 SH   SOLE 0 0 0 9,651
AMERICAN TOWER CORP NEW COM 03027X100   255,813 1,100 SH   SOLE 0 0 0 1,100
AMERIPRISE FINL INC COM 03076C106   334,505 712 SH   SOLE 0 0 0 712
AMGEN INC COM 031162100   1,002,283 3,111 SH   SOLE 0 0 0 3,111
AON PLC SHS CL A G0403H108   3,261,648 9,427 SH   SOLE 0 0 0 9,427
APPLE INC COM 037833100   17,989,977 77,210 SH   SOLE 0 0 0 77,210
APPLOVIN CORP COM CL A 03831W108   663,847 5,085 SH   SOLE 0 0 0 5,085
ARES CAPITAL CORP COM 04010L103   998,650 47,691 SH   SOLE 0 0 0 47,691
ARISTA NETWORKS INC COM 040413106   418,748 1,091 SH   SOLE 0 0 0 1,091
ASGN INC COM 00191U102   215,734 2,314 SH   SOLE 0 0 0 2,314
ASML HOLDING N V N Y REGISTRY SHS N07059210   294,137 353 SH   SOLE 0 0 0 353
ASTRAZENECA PLC SPONSORED ADR 046353108   484,600 6,220 SH   SOLE 0 0 0 6,220
AT&T INC COM 00206R102   401,830 18,265 SH   SOLE 0 0 0 18,265
AUTOMATIC DATA PROCESSING IN COM 053015103   1,196,304 4,323 SH   SOLE 0 0 0 4,323
AUTOZONE INC COM 053332102   746,559 237 SH   SOLE 0 0 0 237
BAKER HUGHES COMPANY CL A 05722G100   221,383 6,124 SH   SOLE 0 0 0 6,124
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   439,822 40,574 SH   SOLE 0 0 0 40,574
BANCO SANTANDER S.A. ADR 05964H105   243,234 47,693 SH   SOLE 0 0 0 47,693
BANK AMERICA CORP COM 060505104   1,223,612 30,837 SH   SOLE 0 0 0 30,837
BANK NEW YORK MELLON CORP COM 064058100   575,481 8,008 SH   SOLE 0 0 0 8,008
BARCLAYS PLC ADR 06738E204   531,781 43,768 SH   SOLE 0 0 0 43,768
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,952,568 6,415 SH   SOLE 0 0 0 6,415
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   372,613 1,800 SH Call SOLE 0 0 0 1,800
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   129,717 600 SH Call SOLE 0 0 0 600
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   199,980 1,000 SH Call SOLE 0 0 0 1,000
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   209,422 1,100 SH Call SOLE 0 0 0 1,100
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   354,851 1,400 SH Call SOLE 0 0 0 1,400
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   365,436 1,500 SH Call SOLE 0 0 0 1,500
BEST BUY INC COM 086516101   705,952 6,834 SH   SOLE 0 0 0 6,834
BLACKROCK INC COM 09247X101   382,689 403 SH   SOLE 0 0 0 403
BLACKSTONE INC COM 09260D107   1,378,234 9,000 SH   SOLE 0 0 0 9,000
BOEING CO COM 097023105   227,604 1,497 SH   SOLE 0 0 0 1,497
BOOKING HOLDINGS INC COM 09857L108   779,242 185 SH   SOLE 0 0 0 185
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   299,836 1,842 SH   SOLE 0 0 0 1,842
BOSTON SCIENTIFIC CORP COM 101137107   291,289 3,476 SH   SOLE 0 0 0 3,476
BRIGHTVIEW HLDGS INC COM 10948C107   157,400 10,000 SH   SOLE 0 0 0 10,000
BRISTOL-MYERS SQUIBB CO COM 110122108   412,989 7,982 SH   SOLE 0 0 0 7,982
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   2,002,097 54,732 SH   SOLE 0 0 0 54,732
BROADCOM INC COM 11135F101   1,267,875 7,350 SH   SOLE 0 0 0 7,350
BROWN & BROWN INC COM 115236101   252,162 2,434 SH   SOLE 0 0 0 2,434
BUILDERS FIRSTSOURCE INC COM 12008R107   1,000,511 5,161 SH   SOLE 0 0 0 5,161
CADENCE DESIGN SYSTEM INC COM 127387108   700,884 2,586 SH   SOLE 0 0 0 2,586
CANADIAN NATL RY CO COM 136375102   1,167,986 9,970 SH   SOLE 0 0 0 9,970
CAPITAL ONE FINL CORP COM 14040H105   500,547 3,343 SH   SOLE 0 0 0 3,343
CARDINAL HEALTH INC COM 14149Y108   429,481 3,886 SH   SOLE 0 0 0 3,886
CARRIER GLOBAL CORPORATION COM 14448C104   224,558 2,790 SH   SOLE 0 0 0 2,790
CATERPILLAR INC COM 149123101   601,113 1,537 SH   SOLE 0 0 0 1,537
CBOE GLOBAL MKTS INC COM 12503M108   205,894 1,005 SH   SOLE 0 0 0 1,005
CDW CORP COM 12514G108   549,013 2,426 SH   SOLE 0 0 0 2,426
CELESTICA INC COM 15101Q207   525,974 10,289 SH   SOLE 0 0 0 10,289
CEMEX SAB DE CV SPON ADR NEW 151290889   62,427 10,234 SH   SOLE 0 0 0 10,234
CENCORA INC COM 03073E105   410,771 1,825 SH   SOLE 0 0 0 1,825
CF INDS HLDGS INC COM 125269100   414,929 4,836 SH   SOLE 0 0 0 4,836
CGI INC CL A SUB VTG 12532H104   1,123,964 9,777 SH   SOLE 0 0 0 9,777
CHECK POINT SOFTWARE TECH LT ORD M22465104   325,463 1,688 SH   SOLE 0 0 0 1,688
CHEVRON CORP NEW COM 166764100   325,810 2,212 SH   SOLE 0 0 0 2,212
CHUNGHWA TELECOM CO LTD SPON ADR NEW11 17133Q502   855,801 21,573 SH   SOLE 0 0 0 21,573
CHURCH & DWIGHT CO INC COM 171340102   434,197 4,146 SH   SOLE 0 0 0 4,146
CISCO SYS INC COM 17275R102   2,174,782 40,864 SH   SOLE 0 0 0 40,864
CITIGROUP INC COM NEW 172967424   614,857 9,822 SH   SOLE 0 0 0 9,822
COCA COLA CO COM 191216100   456,581 6,354 SH   SOLE 0 0 0 6,354
COCA-COLA FEMSA SAB DE CV SPONS ADS REP 191241108   603,030 6,797 SH   SOLE 0 0 0 6,797
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102   609,889 7,902 SH   SOLE 0 0 0 7,902
COLGATE PALMOLIVE CO COM 194162103   1,442,336 13,894 SH   SOLE 0 0 0 13,894
COMCAST CORP NEW CL A 20030N101   738,594 17,682 SH   SOLE 0 0 0 17,682
CONOCOPHILLIPS COM 20825C104   273,623 2,599 SH   SOLE 0 0 0 2,599
COSTCO WHSL CORP NEW COM 22160K105   3,613,284 4,076 SH   SOLE 0 0 0 4,076
CRH PLC ORD G25508105   1,185,217 12,780 SH   SOLE 0 0 0 12,780
CUMMINS INC COM 231021106   239,403 739 SH   SOLE 0 0 0 739
CURTISS WRIGHT CORP COM 231561101   221,537 674 SH   SOLE 0 0 0 674
DANAHER CORPORATION COM 235851102   266,380 958 SH   SOLE 0 0 0 958
DEERE & CO COM 244199105   415,859 996 SH   SOLE 0 0 0 996
DELL TECHNOLOGIES INC CL C 24703L202   556,782 4,697 SH   SOLE 0 0 0 4,697
DEUTSCHE BANK A G NAMEN AKT D18190898   256,240 14,803 SH   SOLE 0 0 0 14,803
DEVON ENERGY CORP NEW COM 25179M103   406,457 10,390 SH   SOLE 0 0 0 10,390
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   620,616 14,886 SH   SOLE 0 0 0 14,886
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   305,242 5,487 SH   SOLE 0 0 0 5,487
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   449,649 11,808 SH   SOLE 0 0 0 11,808
DISNEY WALT CO COM 254687106   342,240 3,558 SH   SOLE 0 0 0 3,558
DOUBLELINE ETF TRUST COMMERCIAL REAL 25861R303   13,348,360 256,798 SH   SOLE 0 0 0 256,798
EA SERIES TRUST FREEDOM 100 EM 02072L607   17,932,688 501,193 SH   SOLE 0 0 0 501,193
EA SERIES TRUST US QUAN VALUE 02072L102   6,758,192 146,484 SH   SOLE 0 0 0 146,484
EA SERIES TRUST INTL QUAN VALUE 02072L201   3,446,202 133,638 SH   SOLE 0 0 0 133,638
EA SERIES TRUST INTL QUAN MOMNTM 02072L300   3,207,548 111,335 SH   SOLE 0 0 0 111,335
EA SERIES TRUST US QUAN MOMENTUM 02072L409   6,308,227 98,274 SH   SOLE 0 0 0 98,274
EATON CORP PLC SHS G29183103   332,103 1,002 SH   SOLE 0 0 0 1,002
EBAY INC. COM 278642103   916,528 14,077 SH   SOLE 0 0 0 14,077
ELI LILLY & CO COM 532457108   3,472,099 3,919 SH   SOLE 0 0 0 3,919
EMCOR GROUP INC COM 29084Q100   405,990 943 SH   SOLE 0 0 0 943
EQUITABLE HLDGS INC COM 29452E101   280,971 6,685 SH   SOLE 0 0 0 6,685
ESSENTIAL UTILS INC COM 29670G102   547,347 14,191 SH   SOLE 0 0 0 14,191
ESSEX PPTY TR INC COM 297178105   209,748 710 SH   SOLE 0 0 0 710
ETF SER SOLUTIONS DISTILLATE SMLMD 26922B667   13,489,974 374,098 SH   SOLE 0 0 0 374,098
EXPEDIA GROUP INC COM NEW 30212P303   353,472 2,388 SH   SOLE 0 0 0 2,388
EXXON MOBIL CORP COM 30231G102   2,946,334 25,135 SH   SOLE 0 0 0 25,135
FAIR ISAAC CORP COM 303250104   1,148,620 591 SH   SOLE 0 0 0 591
FASTENAL CO COM 311900104   679,418 9,513 SH   SOLE 0 0 0 9,513
FEDEX CORP COM 31428X106   200,060 731 SH   SOLE 0 0 0 731
FERGUSON ENTERPRISES INC COMMON STOCK NEW 31488V107   232,724 1,172 SH   SOLE 0 0 0 1,172
FERROGLOBE PLC SHS G33856108   50,390 10,860 SH   SOLE 0 0 0 10,860
FIDELITY NATL INFORMATION SV COM 31620M106   360,293 4,302 SH   SOLE 0 0 0 4,302
FINVOLUTION GROUP SPONSORED ADS 31810T101   376,343 60,897 SH   SOLE 0 0 0 60,897
FISERV INC COM 337738108   216,299 1,204 SH   SOLE 0 0 0 1,204
FOX CORP CL A COM 35137L105   203,819 4,815 SH   SOLE 0 0 0 4,815
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF 35473P595   1,382,545 56,965 SH   SOLE 0 0 0 56,965
FREEPORT-MCMORAN INC CL B 35671D857   210,762 4,222 SH   SOLE 0 0 0 4,222
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   762,552 120,087 SH   SOLE 0 0 0 120,087
FS KKR CAP CORP COM 302635206   968,565 49,091 SH   SOLE 0 0 0 49,091
FUTUREFUEL CORP COM 36116M106   97,698 16,991 SH   SOLE 0 0 0 16,991
GALLAGHER ARTHUR J & CO COM 363576109   327,225 1,163 SH   SOLE 0 0 0 1,163
GE AEROSPACE COM NEW 369604301   730,699 3,875 SH   SOLE 0 0 0 3,875
GENERAL DYNAMICS CORP COM 369550108   1,070,378 3,542 SH   SOLE 0 0 0 3,542
GENERAL MLS INC COM 370334104   1,038,479 14,062 SH   SOLE 0 0 0 14,062
GENUINE PARTS CO COM 372460105   208,961 1,496 SH   SOLE 0 0 0 1,496
GERDAU SA SPON ADR REP PFD 373737105   309,880 88,537 SH   SOLE 0 0 0 88,537
GILEAD SCIENCES INC COM 375558103   1,029,600 12,281 SH   SOLE 0 0 0 12,281
GODADDY INC CL A 380237107   491,192 3,133 SH   SOLE 0 0 0 3,133
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   4,752,733 42,082 SH   SOLE 0 0 0 42,082
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206   221,722 6,315 SH   SOLE 0 0 0 6,315
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   2,178,403 60,227 SH   SOLE 0 0 0 60,227
GOLDMAN SACHS GROUP INC COM 38141G104   658,496 1,330 SH   SOLE 0 0 0 1,330
GRAINGER W W INC COM 384802104   530,861 511 SH   SOLE 0 0 0 511
GRAYSCALE BITCOIN TR BTC SHS REP COM UT 389637109   411,121 8,141 SH   SOLE 0 0 0 8,141
GSK PLC SPONSORED ADR 37733W204   206,567 5,053 SH   SOLE 0 0 0 5,053
HALEON PLC SPON ADS 405552100   215,356 20,355 SH   SOLE 0 0 0 20,355
HARTFORD FINL SVCS GROUP INC COM 416515104   771,404 6,559 SH   SOLE 0 0 0 6,559
HELLO GROUP INC ADS 423403104   86,069 11,310 SH   SOLE 0 0 0 11,310
HEWLETT PACKARD ENTERPRISE C COM 42824C109   278,542 13,614 SH   SOLE 0 0 0 13,614
HOME DEPOT INC COM 437076102   3,481,739 8,593 SH   SOLE 0 0 0 8,593
HONDA MOTOR LTD ADR ECH CNV IN 3 438128308   337,068 10,623 SH   SOLE 0 0 0 10,623
HONEYWELL INTL INC COM 438516106   1,627,221 7,872 SH   SOLE 0 0 0 7,872
HP INC COM 40434L105   571,983 15,946 SH   SOLE 0 0 0 15,946
HSBC HLDGS PLC SPON ADR NEW 404280406   415,206 9,188 SH   SOLE 0 0 0 9,188
HUBBELL INC COM 443510607   224,455 524 SH   SOLE 0 0 0 524
ILLINOIS TOOL WKS INC COM 452308109   1,141,577 4,356 SH   SOLE 0 0 0 4,356
IMPERIAL OIL LTD COM NEW 453038408   447,498 6,352 SH   SOLE 0 0 0 6,352
INFOSYS LTD SPONSORED ADR 456788108   1,076,265 48,328 SH   SOLE 0 0 0 48,328
INNOVATOR ETFS TRUST US EQTY BUFR JUL 45782C789   531,149 12,160 SH   SOLE 0 0 0 12,160
INNOVATOR ETFS TRUST US EQTY BUF SEP 45782C664   206,699 4,907 SH   SOLE 0 0 0 4,907
INNOVATOR ETFS TRUST US EQTY BUFR MAY 45782C326   288,154 7,302 SH   SOLE 0 0 0 7,302
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C508   491,832 11,903 SH   SOLE 0 0 0 11,903
INNOVATOR ETFS TRUST US EQTY BUFR JAN 45782C409   342,123 7,348 SH   SOLE 0 0 0 7,348
INNOVATOR ETFS TRUST LADDERED ALC BFR 45783Y756   2,779,061 87,999 SH   SOLE 0 0 0 87,999
INNOVATOR ETFS TRUST US EQTY BUF DEC 45782C557   201,524 4,678 SH   SOLE 0 0 0 4,678
INNOVATOR ETFS TRUST INTRNL DEV JAN 45782C524   252,717 7,664 SH   SOLE 0 0 0 7,664
INTEL CORP COM 458140100   222,323 9,477 SH   SOLE 0 0 0 9,477
INTERNATIONAL BUSINESS MACHS COM 459200101   405,196 1,833 SH   SOLE 0 0 0 1,833
INTERNATIONAL PAPER CO COM 460146103   225,770 4,622 SH   SOLE 0 0 0 4,622
INTUIT COM 461202103   301,806 486 SH   SOLE 0 0 0 486
INVESCO CURRENCYSHARES EURO EURO SHS 46138K103   1,142,727 11,109 SH   SOLE 0 0 0 11,109
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743   1,248,566 23,951 SH   SOLE 0 0 0 23,951
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727   2,710,781 123,498 SH   SOLE 0 0 0 123,498
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   527,800 14,000 SH   SOLE 0 0 0 14,000
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597   505,248 12,160 SH   SOLE 0 0 0 12,160
ISHARES INC CORE MSCI EMKT 46434G103   500,903 8,725 SH   SOLE 0 0 0 8,725
ISHARES TR CORE MSCI EAFE 46432F842   353,383 4,528 SH   SOLE 0 0 0 4,528
ISHARES TR MSCI USA VALUE 46432F388   48,111,998 441,233 SH   SOLE 0 0 0 441,233
ISHARES TR MSCI USA MIN VOL 46429B697   1,033,032 11,313 SH   SOLE 0 0 0 11,313
ISHARES TR MSCI EAFE MIN VL 46429B689   233,819 3,048 SH   SOLE 0 0 0 3,048
ISHARES TR MSCI KLD400 SOC 464288570   747,061 6,867 SH   SOLE 0 0 0 6,867
ISHARES TR EAFE VALUE ETF 464288877   6,748,327 117,301 SH   SOLE 0 0 0 117,301
ISHARES TR EAFE GRWTH ETF 464288885   5,926,778 55,056 SH   SOLE 0 0 0 55,056
ISHARES TR ISHARES SEMICDTR 464287523   285,009 1,236 SH   SOLE 0 0 0 1,236
ISHARES TR EXPND TEC SC ETF 464287549   379,347 3,954 SH   SOLE 0 0 0 3,954
ISHARES TR MSCI EAFE ETF 464287465   309,733 3,704 SH   SOLE 0 0 0 3,704
ISHARES TR CORE S&P SCP ETF 464287804   476,027 4,070 SH   SOLE 0 0 0 4,070
ISHARES TR CORE S&P500 ETF 464287200   277,450 481 SH   SOLE 0 0 0 481
ISHARES TR RUS 1000 VAL ETF 464287598   209,349 1,103 SH   SOLE 0 0 0 1,103
ISHARES TR RUS 1000 GRW ETF 464287614   590,848 1,574 SH   SOLE 0 0 0 1,574
ISHARES TR IBONDS DEC 2029 46436E163   13,407,765 526,001 SH   SOLE 0 0 0 526,001
ISHARES TR IBONDS DEC 25 46435U432   16,123,149 604,769 SH   SOLE 0 0 0 604,769
ISHARES TR IBONDS DEC 26 46435U259   16,182,179 630,761 SH   SOLE 0 0 0 630,761
ISHARES TR IBONDS DEC 27 46435U283   16,187,560 636,053 SH   SOLE 0 0 0 636,053
ISHARES TR IBONDS DEC 29 46436E205   22,736,121 967,083 SH   SOLE 0 0 0 967,083
ISHARES TR IBONDS DEC 28 46435U325   16,256,851 634,290 SH   SOLE 0 0 0 634,290
ISHARES TR IBDS DEC28 ETF 46435U515   23,536,388 921,911 SH   SOLE 0 0 0 921,911
ISHARES TR IBONDS DEC 46435U697   2,788,693 106,846 SH   SOLE 0 0 0 106,846
ISHARES TR IBONDS 27 ETF 46435UAA9   23,609,339 968,787 SH   SOLE 0 0 0 968,787
ISHARES TR BROAD USD HIGH 46435U853   2,848,155 75,648 SH   SOLE 0 0 0 75,648
ISHARES TR MSCI INTL VLU FT 46435G409   22,587,973 764,916 SH   SOLE 0 0 0 764,916
ISHARES TR MSCI INTL MOMENT 46434V449   15,427,302 382,053 SH   SOLE 0 0 0 382,053
ISHARES TR MSCI INTL QUALTY 46434V456   16,776,530 404,351 SH   SOLE 0 0 0 404,351
ISHARES TR IBONDS DEC2026 46435GAA0   23,567,477 969,855 SH   SOLE 0 0 0 969,855
ISHARES TR IBONDS DEC25 ETF 46434VBD1   26,707,530 1,064,045 SH   SOLE 0 0 0 1,064,045
ISHARES TR IBONDS DEC24 ETF 46434VBG4   4,989,577 197,921 SH   SOLE 0 0 0 197,921
ISHARES TR MSCI USA QLT FCT 46432F339   38,936,454 217,158 SH   SOLE 0 0 0 217,158
ISHARES TR MSCI USA MMENTM 46432F396   37,173,143 183,336 SH   SOLE 0 0 0 183,336
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   1,030,042 20,472 SH   SOLE 0 0 0 20,472
ITAU UNIBANCO HLDG S A SPON ADR REP PFD 465562106   114,580 17,230 SH   SOLE 0 0 0 17,230
J & J SNACK FOODS CORP COM 466032109   851,994 4,950 SH   SOLE 0 0 0 4,950
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209   533,450 8,879 SH   SOLE 0 0 0 8,879
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   276,381 5,447 SH   SOLE 0 0 0 5,447
J P MORGAN EXCHANGE TRADED F JPMORGAN DIVER 46641Q407   334,734 2,797 SH   SOLE 0 0 0 2,797
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   3,268,784 57,783 SH   SOLE 0 0 0 57,783
J P MORGAN EXCHANGE TRADED F US MOMENTUM 46641Q779   3,667,689 64,199 SH   SOLE 0 0 0 64,199
J P MORGAN EXCHANGE TRADED F US VALUE FACTR 46641Q753   4,754,141 109,115 SH   SOLE 0 0 0 109,115
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   35,718,989 600,218 SH   SOLE 0 0 0 600,218
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   3,913,147 76,819 SH   SOLE 0 0 0 76,819
JABIL INC COM 466313103   380,101 3,172 SH   SOLE 0 0 0 3,172
JANUS DETROIT STR TR B-BBB CLO ETF 47103U753   1,385,114 28,297 SH   SOLE 0 0 0 28,297
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   13,308,885 261,574 SH   SOLE 0 0 0 261,574
JOHNSON & JOHNSON COM 478160104   3,989,275 24,616 SH   SOLE 0 0 0 24,616
JPMORGAN CHASE & CO. COM 46625H100   1,291,453 6,125 SH   SOLE 0 0 0 6,125
KIMBERLY-CLARK CORP COM 494368103   827,785 5,818 SH   SOLE 0 0 0 5,818
KLA CORP COM NEW 482480100   761,245 983 SH   SOLE 0 0 0 983
KROGER CO COM 501044101   1,011,517 17,653 SH   SOLE 0 0 0 17,653
KT CORP SPONSORED ADR 48268K101   408,985 26,592 SH   SOLE 0 0 0 26,592
LEIDOS HOLDINGS INC COM 525327102   440,280 2,701 SH   SOLE 0 0 0 2,701
LENNAR CORP CL A 526057104   462,888 2,469 SH   SOLE 0 0 0 2,469
LENNOX INTL INC COM 526107107   492,496 815 SH   SOLE 0 0 0 815
LINDE PLC SHS G54950103   627,548 1,316 SH   SOLE 0 0 0 1,316
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   553,619 177,442 SH   SOLE 0 0 0 177,442
LOCKHEED MARTIN CORP COM 539830109   2,155,495 3,687 SH   SOLE 0 0 0 3,687
LOWES COS INC COM 548661107   754,046 2,784 SH   SOLE 0 0 0 2,784
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100   217,693 2,270 SH   SOLE 0 0 0 2,270
M & T BK CORP COM 55261F104   309,751 1,739 SH   SOLE 0 0 0 1,739
MANHATTAN ASSOCIATES INC COM 562750109   245,082 871 SH   SOLE 0 0 0 871
MANULIFE FINL CORP COM 56501R106   377,383 12,771 SH   SOLE 0 0 0 12,771
MARATHON PETE CORP COM 56585A102   899,426 5,521 SH   SOLE 0 0 0 5,521
MARRIOTT INTL INC NEW CL A 571903202   865,625 3,482 SH   SOLE 0 0 0 3,482
MARSH & MCLENNAN COS INC COM 571748102   1,278,752 5,732 SH   SOLE 0 0 0 5,732
MASCO CORP COM 574599106   296,308 3,530 SH   SOLE 0 0 0 3,530
MASTERCARD INCORPORATED CL A 57636Q104   771,316 1,562 SH   SOLE 0 0 0 1,562
MCCORMICK & CO INC COM NON VTG 579780206   388,209 4,717 SH   SOLE 0 0 0 4,717
MCDONALDS CORP COM 580135101   251,282 825 SH   SOLE 0 0 0 825
MCKESSON CORP COM 58155Q103   984,885 1,992 SH   SOLE 0 0 0 1,992
MERCK & CO INC COM 58933Y105   2,374,808 20,912 SH   SOLE 0 0 0 20,912
META PLATFORMS INC CL A 30303M102   1,884,882 3,293 SH   SOLE 0 0 0 3,293
MICRON TECHNOLOGY INC COM 595112103   224,428 2,164 SH   SOLE 0 0 0 2,164
MICROSOFT CORP COM 594918104   9,799,994 22,775 SH   SOLE 0 0 0 22,775
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   138,519 13,607 SH   SOLE 0 0 0 13,607
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   52,773 12,625 SH   SOLE 0 0 0 12,625
MONDELEZ INTL INC CL A 609207105   1,181,298 16,035 SH   SOLE 0 0 0 16,035
MOODYS CORP COM 615369105   279,563 589 SH   SOLE 0 0 0 589
MORGAN STANLEY COM NEW 617446448   243,088 2,332 SH   SOLE 0 0 0 2,332
MOTOROLA SOLUTIONS INC COM NEW 620076307   261,235 581 SH   SOLE 0 0 0 581
MSCI INC COM 55354G100   336,351 577 SH   SOLE 0 0 0 577
NATWEST GROUP PLC SPONS ADR 639057207   578,916 61,850 SH   SOLE 0 0 0 61,850
NETAPP INC COM 64110D104   279,627 2,264 SH   SOLE 0 0 0 2,264
NETFLIX INC COM 64110L106   492,233 694 SH   SOLE 0 0 0 694
NEXTERA ENERGY INC COM 65339F101   429,412 5,080 SH   SOLE 0 0 0 5,080
NIKE INC CL B 654106103   359,896 4,071 SH   SOLE 0 0 0 4,071
NOVARTIS AG SPONSORED ADR 66987V109   2,043,905 17,770 SH   SOLE 0 0 0 17,770
NOVO-NORDISK A S ADR 670100205   2,577,746 21,649 SH   SOLE 0 0 0 21,649
NVIDIA CORPORATION COM 67066G104   6,023,073 49,597 SH   SOLE 0 0 0 49,597
NVR INC COM 62944T105   421,907 43 SH   SOLE 0 0 0 43
ONEOK INC NEW COM 682680103   345,215 3,788 SH   SOLE 0 0 0 3,788
OPENLANE INC COM 48238T109   648,192 38,400 SH   SOLE 0 0 0 38,400
ORACLE CORP COM 68389X105   2,128,724 12,493 SH   SOLE 0 0 0 12,493
ORANGE SPONSORED ADR 684060106   222,333 19,367 SH   SOLE 0 0 0 19,367
OREILLY AUTOMOTIVE INC COM 67103H107   931,644 809 SH   SOLE 0 0 0 809
ORIX CORP SPONSORED ADR 686330101   606,361 5,225 SH   SOLE 0 0 0 5,225
OUTBRAIN INC COM 69002R103   57,873 11,908 SH   SOLE 0 0 0 11,908
P T TELEKOMUNIKASI INDONESIA SPONSORED ADR 715684106   606,059 30,640 SH   SOLE 0 0 0 30,640
PACER FDS TR TRENDPILOT INTL 69374H683   908,677 29,388 SH   SOLE 0 0 0 29,388
PACER FDS TR TRENDP US LAR CP 69374H105   1,995,324 37,970 SH   SOLE 0 0 0 37,970
PALANTIR TECHNOLOGIES INC CL A 69608A108   267,654 7,195 SH   SOLE 0 0 0 7,195
PALO ALTO NETWORKS INC COM 697435105   317,874 930 SH   SOLE 0 0 0 930
PAYCHEX INC COM 704326107   565,115 4,211 SH   SOLE 0 0 0 4,211
PAYCOM SOFTWARE INC COM 70432V102   200,883 1,206 SH   SOLE 0 0 0 1,206
PEPSICO INC COM 713448108   2,141,818 12,595 SH   SOLE 0 0 0 12,595
PETROLEO BRASILEIRO SA PETRO SPONSORED ADR 71654V408   533,876 37,049 SH   SOLE 0 0 0 37,049
PHILIP MORRIS INTL INC COM 718172109   1,557,076 12,826 SH   SOLE 0 0 0 12,826
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   10,327,191 102,564 SH   SOLE 0 0 0 102,564
PLDT INC SPONSORED ADR 69344D408   675,226 25,120 SH   SOLE 0 0 0 25,120
PNC FINL SVCS GROUP INC COM 693475105   1,407,448 7,614 SH   SOLE 0 0 0 7,614
PROCTER AND GAMBLE CO COM 742718109   3,172,851 18,319 SH   SOLE 0 0 0 18,319
PROGRESSIVE CORP COM 743315103   538,797 2,123 SH   SOLE 0 0 0 2,123
PROSPECT CAP CORP COM 74348T102   371,622 69,462 SH   SOLE 0 0 0 69,462
PULTE GROUP INC COM 745867101   747,791 5,210 SH   SOLE 0 0 0 5,210
QUALCOMM INC COM 747525103   246,402 1,449 SH   SOLE 0 0 0 1,449
QUANTA SVCS INC COM 74762E102   239,414 803 SH   SOLE 0 0 0 803
RELIANCE INC COM 759509102   253,348 876 SH   SOLE 0 0 0 876
RELX PLC SPONSORED ADR 759530108   2,131,571 44,913 SH   SOLE 0 0 0 44,913
REPUBLIC SVCS INC COM 760759100   678,438 3,378 SH   SOLE 0 0 0 3,378
RIBBON COMMUNICATIONS INC COM 762544104   32,500 10,000 SH   SOLE 0 0 0 10,000
RIO TINTO PLC SPONSORED ADR 767204100   212,656 2,988 SH   SOLE 0 0 0 2,988
ROYAL BK CDA COM 780087102   534,343 4,284 SH   SOLE 0 0 0 4,284
RTX CORPORATION COM 75513E101   658,989 5,439 SH   SOLE 0 0 0 5,439
S&P GLOBAL INC COM 78409V104   589,980 1,142 SH   SOLE 0 0 0 1,142
SALESFORCE INC COM 79466L302   270,425 988 SH   SOLE 0 0 0 988
SAP SE SPON ADR 803054204   782,147 3,414 SH   SOLE 0 0 0 3,414
SAVERONE 2014 LTD SPONSORED ADS 80516T105   1,348,040 10,052,500 SH   SOLE 0 0 0 10,052,500
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   8,090,149 196,745 SH   SOLE 0 0 0 196,745
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,907,033 42,845 SH   SOLE 0 0 0 42,845
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   263,268 5,112 SH   SOLE 0 0 0 5,112
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,018,046 9,772 SH   SOLE 0 0 0 9,772
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   686,224 8,538 SH   SOLE 0 0 0 8,538
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   339,372 8,808 SH   SOLE 0 0 0 8,808
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,928,436 100,358 SH   SOLE 0 0 0 100,358
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763   6,193,197 103,965 SH   SOLE 0 0 0 103,965
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730   11,027,413 341,723 SH   SOLE 0 0 0 341,723
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   1,884,163 50,419 SH   SOLE 0 0 0 50,419
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   432,799 2,160 SH   SOLE 0 0 0 2,160
SERVICENOW INC COM 81762P102   230,753 258 SH   SOLE 0 0 0 258
SHELL PLC SPON ADS 780259305   371,628 5,635 SH   SOLE 0 0 0 5,635
SHERWIN WILLIAMS CO COM 824348106   844,280 2,212 SH   SOLE 0 0 0 2,212
SHOPIFY INC CL A 82509L107   217,821 2,718 SH   SOLE 0 0 0 2,718
SIMON PPTY GROUP INC NEW COM 828806109   348,519 2,062 SH   SOLE 0 0 0 2,062
SIMPLIFY EXCHANGE TRADED FUN US EQT PLS DWNSD 82889N202   256,904 7,676 SH   SOLE 0 0 0 7,676
SMART SAND INC COM 83191H107   22,986 11,668 SH   SOLE 0 0 0 11,668
SPDR S&P 500 ETF TR TR UNIT 78462F103   259,022 451 SH   SOLE 0 0 0 451
SPDR SER TR S&P DIVID ETF 78464A763   239,906 1,689 SH   SOLE 0 0 0 1,689
SPOTIFY TECHNOLOGY S A SHS L8681T102   214,484 582 SH   SOLE 0 0 0 582
STARBUCKS CORP COM 855244109   228,127 2,340 SH   SOLE 0 0 0 2,340
STEEL DYNAMICS INC COM 858119100   306,374 2,430 SH   SOLE 0 0 0 2,430
STELLANTIS N.V SHS N82405106   149,731 10,657 SH   SOLE 0 0 0 10,657
SUNCOR ENERGY INC NEW COM 867224107   378,541 10,253 SH   SOLE 0 0 0 10,253
SYNCHRONY FINANCIAL COM 87165B103   404,377 8,107 SH   SOLE 0 0 0 8,107
T-MOBILE US INC COM 872590104   278,380 1,349 SH   SOLE 0 0 0 1,349
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   1,693,977 9,754 SH   SOLE 0 0 0 9,754
TARGET CORP COM 87612E106   384,662 2,468 SH   SOLE 0 0 0 2,468
TELEFONICA BRASIL SA NEW ADR 87936R205   391,585 38,129 SH   SOLE 0 0 0 38,129
TESLA INC COM 88160R101   443,041 1,693 SH   SOLE 0 0 0 1,693
TEXAS INSTRS INC COM 882508104   264,823 1,282 SH   SOLE 0 0 0 1,282
THE CIGNA GROUP COM 125523100   381,430 1,101 SH   SOLE 0 0 0 1,101
THE TRADE DESK INC COM CL A 88339J105   224,454 2,047 SH   SOLE 0 0 0 2,047
THERMO FISHER SCIENTIFIC INC COM 883556102   520,217 841 SH   SOLE 0 0 0 841
TJX COS INC NEW COM 872540109   296,318 2,521 SH   SOLE 0 0 0 2,521
TOTALENERGIES SE SPONSORED ADS 89151E109   245,427 3,798 SH   SOLE 0 0 0 3,798
TOYOTA MOTOR CORP ADS 892331307   236,784 1,326 SH   SOLE 0 0 0 1,326
TRAVELERS COMPANIES INC COM 89417E109   968,176 4,135 SH   SOLE 0 0 0 4,135
TURKCELL ILETISIM HIZMETLERI SPON ADR NEW 900111204   160,173 23,281 SH   SOLE 0 0 0 23,281
UBS GROUP AG SHS H42097107   1,033,569 33,438 SH   SOLE 0 0 0 33,438
UNION PAC CORP COM 907818108   1,472,986 5,976 SH   SOLE 0 0 0 5,976
UNITED PARCEL SERVICE INC CL B 911312106   213,917 1,569 SH   SOLE 0 0 0 1,569
UNITEDHEALTH GROUP INC COM 91324P102   3,212,461 5,494 SH   SOLE 0 0 0 5,494
US BANCORP DEL COM NEW 902973304   396,159 8,663 SH   SOLE 0 0 0 8,663
VALE S A SPONSORED ADS 91912E105   515,006 44,093 SH   SOLE 0 0 0 44,093
VALERO ENERGY CORP COM 91913Y100   523,781 3,879 SH   SOLE 0 0 0 3,879
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   296,504 1,208 SH   SOLE 0 0 0 1,208
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,098,985 13,966 SH   SOLE 0 0 0 13,966
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   4,027,461 80,646 SH   SOLE 0 0 0 80,646
VANGUARD INDEX FDS LARGE CAP ETF 922908637   39,435,645 149,780 SH   SOLE 0 0 0 149,780
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,185,405 2,246 SH   SOLE 0 0 0 2,246
VANGUARD INDEX FDS SMALL CP ETF 922908751   10,559,638 44,516 SH   SOLE 0 0 0 44,516
VANGUARD INDEX FDS VALUE ETF 922908744   11,547,271 66,147 SH   SOLE 0 0 0 66,147
VANGUARD INDEX FDS MID CAP ETF 922908629   288,414 1,093 SH   SOLE 0 0 0 1,093
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,021,298 5,087 SH   SOLE 0 0 0 5,087
VANGUARD INDEX FDS GROWTH ETF 922908736   11,030,551 28,731 SH   SOLE 0 0 0 28,731
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,499,396 15,890 SH   SOLE 0 0 0 15,890
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   22,856,220 477,664 SH   SOLE 0 0 0 477,664
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   259,486 2,168 SH   SOLE 0 0 0 2,168
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   205,016 3,254 SH   SOLE 0 0 0 3,254
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   366,718 7,437 SH   SOLE 0 0 0 7,437
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   44,837,259 742,093 SH   SOLE 0 0 0 742,093
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   1,100,015 18,638 SH   SOLE 0 0 0 18,638
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   373,343 1,885 SH   SOLE 0 0 0 1,885
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,048,791 16,200 SH   SOLE 0 0 0 16,200
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   45,135,464 854,676 SH   SOLE 0 0 0 854,676
VANGUARD WELLINGTON FD US QUALITY 921935706   366,059 2,562 SH   SOLE 0 0 0 2,562
VANGUARD WELLINGTON FD US MOMENTUM 921935508   393,201 2,443 SH   SOLE 0 0 0 2,443
VANGUARD WELLINGTON FD US VALUE FACTR 921935805   518,804 4,304 SH   SOLE 0 0 0 4,304
VANGUARD WORLD FD INF TECH ETF 92204A702   370,681 632 SH   SOLE 0 0 0 632
VERISK ANALYTICS INC COM 92345Y106   654,102 2,441 SH   SOLE 0 0 0 2,441
VERIZON COMMUNICATIONS INC COM 92343V104   2,909,988 64,796 SH   SOLE 0 0 0 64,796
VIATRIS INC COM 92556V106   132,830 11,441 SH   SOLE 0 0 0 11,441
VIPSHOP HLDGS LTD SPONSORED ADS A 92763W103   249,934 15,889 SH   SOLE 0 0 0 15,889
VISA INC COM CL A 92826C839   2,952,817 10,739 SH   SOLE 0 0 0 10,739
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   457,543 45,663 SH   SOLE 0 0 0 45,663
WALKER & DUNLOP INC COM 93148P102   15,720,970 138,401 SH   SOLE 0 0 0 138,401
WALMART INC COM 931142103   4,110,423 50,903 SH   SOLE 0 0 0 50,903
WASTE MGMT INC DEL COM 94106L109   1,507,307 7,261 SH   SOLE 0 0 0 7,261
WELLS FARGO CO NEW COM 949746101   579,973 10,267 SH   SOLE 0 0 0 10,267
WILLIAMS SONOMA INC COM 969904101   275,293 1,777 SH   SOLE 0 0 0 1,777
WISDOMTREE TR INTL QULTY DIV 97717X131   4,538,033 115,914 SH   SOLE 0 0 0 115,914
WP CAREY INC COM 92936U109   244,154 3,919 SH   SOLE 0 0 0 3,919
YUM BRANDS INC COM 988498101   356,428 2,551 SH   SOLE 0 0 0 2,551
ZOETIS INC CL A 98978V103   1,209,450 6,190 SH   SOLE 0 0 0 6,190