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 BBG001S5T7X2 1,643,620 12,065 SH   SOLE   12,065 0 0
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 2,625,547 13,357 SH   SOLE   13,357 0 0
ABRDN ETFS BBG INDUSTRL MET 003261609 BBG012GMQ6L3 871,233 36,135 SH   SOLE   36,135 0 0
ABRDN ETFS BBRG ALL COMD K1 003261104 BBG00G9CFDS3 2,212,528 108,245 SH   SOLE   108,245 0 0
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108 BBG001T56K58 532,525 17,900 SH   SOLE   17,900 0 0
AFLAC INC COM 001055102 BBG001S5NGJ4 1,643,049 14,633 SH   SOLE   14,633 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 371,420 2,262 SH   SOLE   2,262 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 259,881 1,573 SH   SOLE   1,573 0 0
ALTSHARES TRUST MERGER ARBITRAGE 02210T108 BBG00S7NVRB4 394,381 14,173 SH   SOLE   14,173 0 0
AMERICA MOVIL SAB DE CV SPON ADS RP CL B 02390A101 BBG01FRH5ND8 1,156,135 70,831 SH   SOLE   70,831 0 0
AMGEN INC COM 031162100 BBG001S5NNL6 1,238,964 3,820 SH   SOLE   3,820 0 0
AMPLIFY ETF TR BLOCKCHAIN LDR 032108607 BBG00JRH3FV0 1,629,379 43,030 SH   SOLE   43,030 0 0
APPLE INC COM 037833100 BBG001S5N8V8 2,433,364 10,590 SH   SOLE   10,590 0 0
APPLIED MATLS INC COM 038222105 BBG001S5NMM7 218,074 1,073 SH   SOLE   1,073 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 BBG001SB80N8 1,574,453 20,238 SH   SOLE   20,238 0 0
AT&T INC COM 00206R102 BBG001S5VWH2 1,364,415 62,216 SH   SOLE   62,216 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 1,054,200 3,762 SH   SOLE   3,762 0 0
BANK NEW YORK MELLON CORP COM 064058100 BBG001S5P6Q6 217,355 2,981 SH   SOLE   2,981 0 0
BROADCOM INC COM 11135F101 BBG00KHY5SY8 1,047,103 5,970 SH   SOLE   5,970 0 0
CARDINAL HEALTH INC COM 14149Y108 BBG001S7PC34 1,311,436 11,809 SH   SOLE   11,809 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 218,737 1,470 SH   SOLE   1,470 0 0
CINTAS CORP COM 172908105 BBG001S7CRG1 1,015,333 4,915 SH   SOLE   4,915 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 1,811,588 33,820 SH   SOLE   33,820 0 0
CITIGROUP INC COM NEW 172967424 BBG001S72ZG4 2,001,717 31,598 SH   SOLE   31,598 0 0
CUMMINS INC COM 231021106 BBG001S5Q9M3 912,901 2,784 SH   SOLE   2,784 0 0
DBX ETF TR XTRACK MSCI EAFE 233051630 BBG009RY6HH4 6,721,102 251,119 SH   SOLE   251,119 0 0
DBX ETF TR XTRACK MSCI EAFE 233051200 BBG001S9Z3V8 971,267 23,112 SH   SOLE   23,112 0 0
DBX ETF TR XTRACK MUN INFRA 233051705 BBG004LV7GH8 296,363 11,403 SH   SOLE   11,403 0 0
DBX ETF TR XTRACKERS LOW 233051267 BBG00JQCHVS6 3,195,959 67,786 SH   SOLE   67,786 0 0
EBAY INC. COM 278642103 BBG001S9B9J5 202,858 3,086 SH   SOLE   3,086 0 0
ELI LILLY & CO COM 532457108 BBG001S5STL8 279,618 300 SH   SOLE   300 0 0
ENBRIDGE INC COM 29250N105 BBG001S6Q6D7 1,775,280 43,565 SH   SOLE   43,565 0 0
EOG RES INC COM 26875P101 BBG001S5ZB93 228,798 1,802 SH   SOLE   1,802 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 1,631,823 13,771 SH   SOLE   13,771 0 0
F5 INC COM 315616102 BBG001SCP8D1 242,465 1,096 SH   SOLE   1,096 0 0
FIRST TR EXCHANGE TRADED FD NASDQ CLN EDGE 33737A108 BBG001T61KB4 639,813 5,028 SH   SOLE   5,028 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US 33740F771 BBG00RPLC4T3 565,505 13,496 SH   SOLE   13,496 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 BBG00243P8S9 800,974 19,397 SH   SOLE   19,397 0 0
FORTINET INC COM 34959E109 BBG001S77BL6 241,824 3,025 SH   SOLE   3,025 0 0
FRANKLIN TEMPLETON ETF TR FTSE UNTD KGDM 35473P678 BBG00J3PQZ12 479,110 17,089 SH   SOLE   17,089 0 0
GENERAL DYNAMICS CORP COM 369550108 BBG001S5RHP1 1,371,662 4,544 SH   SOLE   4,544 0 0
GENERAL MLS INC COM 370334104 BBG001S5RKR2 1,198,766 16,341 SH   SOLE   16,341 0 0
GENUINE PARTS CO COM 372460105 BBG001S5RNH7 349,160 2,514 SH   SOLE   2,514 0 0
GILEAD SCIENCES INC COM 375558103 BBG001S6Y1X7 1,352,878 16,099 SH   SOLE   16,099 0 0
GLOBAL X FDS GLOBAL X SILVER 37954Y848 BBG001SSPRJ8 219,399 6,034 SH   SOLE   6,034 0 0
GLOBAL X FDS US PFD ETF 37954Y657 BBG00HPF2LX6 2,325,281 111,911 SH   SOLE   111,911 0 0
GLOBAL X FDS X EMERGING MKT 37954Y350 BBG00V6QGWD5 204,020 8,760 SH   SOLE   8,760 0 0
GRAINGER W W INC COM 384802104 BBG001S5RRD2 1,051,618 998 SH   SOLE   998 0 0
GRANITESHARES GOLD TR SHS BEN INT 38748G101 BBG00HBPWNP1 2,753,793 105,865 SH   SOLE   105,865 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 1,037,445 2,547 SH   SOLE   2,547 0 0
INNOVATOR ETFS TRUST US EQTY PWR BF 45782C680 BBG00PVP39R2 358,650 9,432 SH   SOLE   9,432 0 0
INVESCO ACTVELY MNGD ETC FD AGRI CMDTY STRA 46090F308 BBG0196RJS01 2,599,292 69,075 SH   SOLE   69,075 0 0
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142 BBG001SPPQG9 471,207 6,680 SH   SOLE   6,680 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 4,537,431 78,862 SH   SOLE   78,862 0 0
ISHARES INC MSCI EMERG MRKT 464286533 BBG0025X3FS0 347,108 5,594 SH   SOLE   5,594 0 0
ISHARES INC MSCI EURZONE ETF 464286608 BBG001SFQPM5 1,176,438 22,701 SH   SOLE   22,701 0 0
ISHARES SILVER TR ISHARES 46428Q109 BBG001SQLN69 587,945 20,462 SH   SOLE   20,462 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 6,601,516 65,199 SH   SOLE   65,199 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 277,472 3,337 SH   SOLE   3,337 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 BBG001SSD812 920,827 7,744 SH   SOLE   7,744 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 BBG001S80936 1,778,870 18,440 SH   SOLE   18,440 0 0
ISHARES TR CMBS ETF 46429B366 BBG002NCLTH8 554,454 11,409 SH   SOLE   11,409 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 BBG003HC6JD6 1,722,608 35,498 SH   SOLE   35,498 0 0
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 3,784,771 73,135 SH   SOLE   73,135 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 2,366,890 30,847 SH   SOLE   30,847 0 0
ISHARES TR CORE MSCI EURO 46434V738 BBG006MJ8984 287,711 4,722 SH   SOLE   4,722 0 0
ISHARES TR CORE MSCI INTL 46435G326 BBG00G9DM0M7 3,786,559 53,471 SH   SOLE   53,471 0 0
ISHARES TR CORE MSCI PAC 46434V696 BBG006MJG5T0 3,786,964 57,035 SH   SOLE   57,035 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 712,943 9,913 SH   SOLE   9,913 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 223,075 3,579 SH   SOLE   3,579 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 800,085 6,841 SH   SOLE   6,841 0 0
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 1,864,083 14,749 SH   SOLE   14,749 0 0
ISHARES TR CORE S&P US GWT 464287671 BBG001SFQL99 3,257,017 24,517 SH   SOLE   24,517 0 0
ISHARES TR CORE S&P US VLU 464287663 BBG001SFQL80 4,152,589 43,329 SH   SOLE   43,329 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 13,495,594 23,271 SH   SOLE   23,271 0 0
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 1,661,270 35,259 SH   SOLE   35,259 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 3,142,611 31,462 SH   SOLE   31,462 0 0
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 278,760 4,223 SH   SOLE   4,223 0 0
ISHARES TR INTL TREA BD ETF 464288117 BBG001T33MN2 474,314 11,471 SH   SOLE   11,471 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 862,972 16,171 SH   SOLE   16,171 0 0
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 4,408,592 46,407 SH   SOLE   46,407 0 0
ISHARES TR MSCI ACWI ETF 464288257 BBG001S56QV7 1,090,572 9,076 SH   SOLE   9,076 0 0
ISHARES TR MSCI INTL MOMENT 46434V449 BBG007WGK4B0 2,203,162 54,872 SH   SOLE   54,872 0 0
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 1,976,801 47,838 SH   SOLE   47,838 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 2,503,899 27,371 SH   SOLE   27,371 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 925,838 5,116 SH   SOLE   5,116 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 205,232 1,904 SH   SOLE   1,904 0 0
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 821,960 2,586 SH   SOLE   2,586 0 0
ISHARES TR S&P 100 ETF 464287101 BBG001SGB026 1,177,614 4,255 SH   SOLE   4,255 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 233,723 2,412 SH   SOLE   2,412 0 0
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 1,425,391 7,193 SH   SOLE   7,193 0 0
ISHARES TR SHORT TREAS BD 464288679 BBG001SSD803 470,288 4,251 SH   SOLE   4,251 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 243,777 2,300 SH   SOLE   2,300 0 0
ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 212,064 1,970 SH   SOLE   1,970 0 0
ISHARES TR U S EQUITY FACTR 46434V282 BBG008LNYFB5 243,484 4,143 SH   SOLE   4,143 0 0
ISHARES TR US TREAS BD ETF 46429B267 BBG002NCKPP8 360,393 15,372 SH   SOLE   15,372 0 0
ISHARES TR USD INV GRDE ETF 464288620 BBG001SSD876 4,095,228 78,602 SH   SOLE   78,602 0 0
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 BBG0079TF237 1,262,724 48,735 SH   SOLE   48,735 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 663,205 11,153 SH   SOLE   11,153 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,680,938 10,381 SH   SOLE   10,381 0 0
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 353,680 1,640 SH   SOLE   1,640 0 0
KENVUE INC COM 49177J102 BBG01C79X614 1,681,719 73,769 SH   SOLE   73,769 0 0
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 2,142,506 15,059 SH   SOLE   15,059 0 0
KLA CORP COM NEW 482480100 BBG001S5SLM4 768,873 981 SH   SOLE   981 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 BBG001S5S0N9 713,037 2,964 SH   SOLE   2,964 0 0
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827 BBG00P35J8L8 253,506 9,174 SH   SOLE   9,174 0 0
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 1,161,560 1,966 SH   SOLE   1,966 0 0
LOUISIANA PAC CORP COM 546347105 BBG001S5SW04 211,103 1,985 SH   SOLE   1,985 0 0
M & T BK CORP COM 55261F104 BBG001S7S2B4 1,426,165 7,940 SH   SOLE   7,940 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,429,152 3,362 SH   SOLE   3,362 0 0
MID-AMER APT CMNTYS INC COM 59522J103 BBG001S7HZ69 1,313,636 8,330 SH   SOLE   8,330 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307 BBG001S5T9L1 1,119,625 2,446 SH   SOLE   2,446 0 0
NIKE INC CL B 654106103 BBG001S6NTK2 523,281 6,048 SH   SOLE   6,048 0 0
NUCOR CORP COM 670346105 BBG001S5TRV0 1,263,535 8,383 SH   SOLE   8,383 0 0
OMNICOM GROUP INC COM 681919106 BBG001S5VR10 1,616,923 15,659 SH   SOLE   15,659 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 311,653 1,806 SH   SOLE   1,806 0 0
PARKER-HANNIFIN CORP COM 701094104 BBG001S5V554 1,163,798 1,837 SH   SOLE   1,837 0 0
PAYCHEX INC COM 704326107 BBG001S5V135 849,240 6,283 SH   SOLE   6,283 0 0
PEPSICO INC COM 713448108 BBG001S695T1 270,392 1,579 SH   SOLE   1,579 0 0
PHILLIPS EDISON & CO INC COMMON STOCK 71844V201 BBG011RJST56 225,317 5,975 SH   SOLE   5,975 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 BBG001T5DWK7 258,102 4,886 SH   SOLE   4,886 0 0
PRINCIPAL FINANCIAL GROUP IN COM 74251V102 BBG001SD3148 1,512,266 17,484 SH   SOLE   17,484 0 0
PUBLIC STORAGE OPER CO COM 74460D109 BBG001S5TH79 1,481,556 4,120 SH   SOLE   4,120 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 2,388,646 14,048 SH   SOLE   14,048 0 0
RIO TINTO PLC SPONSORED ADR 767204100 BBG001SB0LX9 1,811,491 25,731 SH   SOLE   25,731 0 0
S&P GLOBAL INC COM 78409V104 BBG001S5T5M8 897,896 1,732 SH   SOLE   1,732 0 0
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 BBG00PZFDF86 7,305,755 192,677 SH   SOLE   192,677 0 0
SCHWAB STRATEGIC TR HIGH YIELD BD ET 808524631 BBG01F80WYB4 224,410 8,446 SH   SOLE   8,446 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 2,441,315 63,609 SH   SOLE   63,609 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 3,171,424 88,496 SH   SOLE   88,496 0 0
SCHWAB STRATEGIC TR MUN BD ETF 808524649 BBG019GV63H2 511,981 15,500 SH   SOLE   15,500 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 10,053,470 257,525 SH   SOLE   257,525 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 207,919 2,154 SH   SOLE   2,154 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 1,622,088 20,374 SH   SOLE   20,374 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 623,658 7,677 SH   SOLE   7,677 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 224,974 4,490 SH   SOLE   4,490 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 954,386 22,983 SH   SOLE   22,983 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 554,928 3,603 SH   SOLE   3,603 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 BBG001S7R733 1,244,640 12,934 SH   SOLE   12,934 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 1,304,495 5,732 SH   SOLE   5,732 0 0
SOUTHERN CO COM 842587107 BBG001S5W777 1,080,274 12,019 SH   SOLE   12,019 0 0
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 819,701 3,341 SH   SOLE   3,341 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 607,612 1,059 SH   SOLE   1,059 0 0
SPDR SER TR PORT MTG BK ETF 78464A383 BBG001T2HF72 900,818 40,669 SH   SOLE   40,669 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 BBG001T2HCY9 699,419 20,752 SH   SOLE   20,752 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664 BBG001STKCY7 1,851,470 64,374 SH   SOLE   64,374 0 0
STATE STR CORP COM 857477103 BBG001S5RLD5 1,335,713 15,033 SH   SOLE   15,033 0 0
STEEL DYNAMICS INC COM 858119100 BBG001S98JK5 220,285 1,727 SH   SOLE   1,727 0 0
STRYKER CORPORATION COM 863667101 BBG001S8FR03 907,840 2,524 SH   SOLE   2,524 0 0
SYSCO CORP COM 871829107 BBG001S5WJS8 2,012,326 26,048 SH   SOLE   26,048 0 0
TAYLOR MORRISON HOME CORP COM 87724P106 BBG003PGJJF2 202,200 3,000 SH   SOLE   3,000 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 BBG001S60L15 1,059,721 17,061 SH   SOLE   17,061 0 0
TOTALENERGIES SE SPONSORED ADS 89151E109 BBG001S6WYD9 1,599,116 24,467 SH   SOLE   24,467 0 0
UNILEVER PLC SPON ADR NEW 904767704 BBG001S5X1K4 1,736,662 26,911 SH   SOLE   26,911 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 853,034 1,448 SH   SOLE   1,448 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106 BBG001SR42Z0 819,097 20,570 SH   SOLE   20,570 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 232,496 598 SH   SOLE   598 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 233,747 936 SH   SOLE   936 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 2,516,147 9,537 SH   SOLE   9,537 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 7,191,087 13,628 SH   SOLE   13,628 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 2,000,775 9,965 SH   SOLE   9,965 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 2,209,905 9,299 SH   SOLE   9,299 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 3,922,326 13,721 SH   SOLE   13,721 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 1,396,560 8,000 SH   SOLE   8,000 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 4,282,336 89,495 SH   SOLE   89,495 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 2,690,108 21,387 SH   SOLE   21,387 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 2,948,162 24,560 SH   SOLE   24,560 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 630,485 12,828 SH   SOLE   12,828 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 1,358,644 26,803 SH   SOLE   26,803 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 224,829 3,785 SH   SOLE   3,785 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 1,564,778 18,967 SH   SOLE   18,967 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 1,557,261 33,245 SH   SOLE   33,245 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 777,078 13,189 SH   SOLE   13,189 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 744,999 9,454 SH   SOLE   9,454 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 638,536 9,960 SH   SOLE   9,960 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 4,145,479 78,498 SH   SOLE   78,498 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 BBG004N1LYJ5 2,289,737 34,849 SH   SOLE   34,849 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 1,898,001 14,805 SH   SOLE   14,805 0 0
WALMART INC COM 931142103 BBG001S5XH92 1,328,057 16,491 SH   SOLE   16,491 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281 BBG001SRPT24 657,420 12,437 SH   SOLE   12,437 0 0