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
Apple Computer Inc com 037833100   43,673 254,681 SH   SOLE 0 43,673 0 0
AbbVie Inc. com 00287Y109   10,907 59,894 SH   SOLE 0 10,907 0 0
Abbott Laboratories com 002824100   477 4,200 SH   SOLE 0 477 0 0
Accenture Ltd Cl A com G1151C101   5,601 16,159 SH   SOLE 0 5,601 0 0
Archer-Daniels-Midland Co. com 039483102   2,814 44,796 SH   SOLE 0 2,814 0 0
Automatic Data Processing, Inc. com 053015103   1,612 6,457 SH   SOLE 0 1,612 0 0
American Electric Power Co., Inc com 025537101   225 2,614 SH   SOLE 0 225 0 0
AES Corporation com 00130H105   298 16,625 SH   SOLE 0 298 0 0
American Financial Group com 025932104   267 1,953 SH   SOLE 0 267 0 0
AFLAC Inc com 001055102   9,597 111,770 SH   SOLE 0 9,597 0 0
American Intl Group Inc com 026874784   1,887 24,135 SH   SOLE 0 1,887 0 0
Allison Transmission Holdings, INc. com 01973R101   5,573 68,665 SH   SOLE 0 5,573 0 0
Applied Materials Inc com 038222105   2,306 11,182 SH   SOLE 0 2,306 0 0
Amgen Incorporated com 031162100   10,584 37,235 SH   SOLE 0 10,584 0 0
Amkor Technology Inc com 031652100   1,034 32,115 SH   SOLE 0 1,034 0 0
Ameriprise Financial, Inc. com 03076C106   11,403 26,009 SH   SOLE 0 11,403 0 0
American Tower Corporation com 03027X100   240 1,215 SH   SOLE 0 240 0 0
Amazon.com Inc. com 023135106   406 2,250 SH   SOLE 0 406 0 0
Autonation Inc. com 05329W102   399 2,407 SH   SOLE 0 399 0 0
The Andersons Inc. com 034164103   728 12,689 SH   SOLE 0 728 0 0
Arrow Electronics, Inc. com 042735100   1,689 13,043 SH   SOLE 0 1,689 0 0
Academy Sports and Outdoors, Inc. com 00402L107   1,287 19,058 SH   SOLE 0 1,287 0 0
Avantis Emerging Markets Equity ETF ETF 025072604   32,597 562,410 SH   SOLE 0 32,597 0 0
Broadcom Limited com 11135F101   7,319 5,522 SH   SOLE 0 7,319 0 0
Avnet, Inc. com 053807103   6,233 125,736 SH   SOLE 0 6,233 0 0
Avantis US Small Cap Value ETF com 025072877   4,090 43,649 SH   SOLE 0 4,090 0 0
American Express Company com 025816109   377 1,654 SH   SOLE 0 377 0 0
AutoZone Inc com 053332102   2,613 829 SH   SOLE 0 2,613 0 0
Bank of America Corp com 060505104   579 15,270 SH   SOLE 0 579 0 0
Booz Allen Hamilton Holdings Corporation com 099502106   1,243 8,376 SH   SOLE 0 1,243 0 0
Best Buy Inc com 086516101   4,255 51,871 SH   SOLE 0 4,255 0 0
Brunswick Corporation com 117043109   917 9,499 SH   SOLE 0 917 0 0
Belden Inc com 077454106   2,750 29,693 SH   SOLE 0 2,750 0 0
Becton Dickinson & Co com 075887109   2,348 9,489 SH   SOLE 0 2,348 0 0
Franklin Resources Inc com 354613101   605 21,538 SH   SOLE 0 605 0 0
Bunge Ltd. com H11356104   2,649 25,837 SH   SOLE 0 2,649 0 0
BlackRock, Inc com 09247X101   272 326 SH   SOLE 0 272 0 0
Bloomin' Brands, Inc. com 094235108   539 18,805 SH   SOLE 0 539 0 0
Bank of Montreal com 063671101   327 3,351 SH   SOLE 0 327 0 0
Bristol-Myers Squibb Co com 110122108   1,645 30,339 SH   SOLE 0 1,645 0 0
Vanguard Total Bond Market ETF ETF 921937835   4,699 64,700 SH   SOLE 0 4,699 0 0
BP PLC Adr ADR 055622104   952 25,266 SH   SOLE 0 952 0 0
Popular Inc com 733174700   753 8,545 SH   SOLE 0 753 0 0
Berkshire Hathaway Cl B com 084670702   425 1,011 SH   SOLE 0 425 0 0
BorgWarner Inc com 099724106   263 7,575 SH   SOLE 0 263 0 0
Citigroup Inc com 172967424   436 6,887 SH   SOLE 0 436 0 0
ConAgra Brands, Inc. com 205887102   1,831 61,787 SH   SOLE 0 1,831 0 0
Cardinal Health Inc com 14149Y108   5,097 45,554 SH   SOLE 0 5,097 0 0
Carrier Global Corp com 14448C104   734 12,621 SH   SOLE 0 734 0 0
Caterpillar Inc com 149123101   5,978 16,313 SH   SOLE 0 5,978 0 0
Chubb Ltd com H1467J104   1,288 4,970 SH   SOLE 0 1,288 0 0
Cabot Corporation com 127055101   1,373 14,888 SH   SOLE 0 1,373 0 0
Century Communities, Inc com 156504300   818 8,480 SH   SOLE 0 818 0 0
COPT Defense Properties com 22002T108   288 11,930 SH   SOLE 0 288 0 0
CDW Corporation com 12514G108   6,662 26,048 SH   SOLE 0 6,662 0 0
Celanese Corporation com 150870103   355 2,064 SH   SOLE 0 355 0 0
Constellation Energy Co com 21037T109   2,482 13,427 SH   SOLE 0 2,482 0 0
Consol Energy, Inc. com 20854L108   1,438 17,164 SH   SOLE 0 1,438 0 0
CF Industries Holdings, Inc. com 125269100   460 5,524 SH   SOLE 0 460 0 0
Chord Energy Corporation com 674215207   420 2,355 SH   SOLE 0 420 0 0
Charter Communications com 16119P108   328 1,127 SH   SOLE 0 328 0 0
CIGNA Corp com 125523100   1,672 4,602 SH   SOLE 0 1,672 0 0
Cincinnati Financial Cp com 172062101   472 3,799 SH   SOLE 0 472 0 0
Civitas Resources, Inc. com 17888H103   1,197 15,767 SH   SOLE 0 1,197 0 0
Comcast Corp com 20030N101   5,102 117,689 SH   SOLE 0 5,102 0 0
Cummins Inc com 231021106   8,565 29,067 SH   SOLE 0 8,565 0 0
CMS Energy Corp com 125896100   578 9,580 SH   SOLE 0 578 0 0
CNA Financial Corporation com 126117100   261 5,745 SH   SOLE 0 261 0 0
Canadian Natl RR Co. com 136375102   598 4,539 SH   SOLE 0 598 0 0
Canadian Natural Resources Limited com 136385101   1,670 21,879 SH   SOLE 0 1,670 0 0
ConocoPhillips com 20825C104   1,658 13,025 SH   SOLE 0 1,658 0 0
Cencora, Inc. com 03073E105   1,821 7,494 SH   SOLE 0 1,821 0 0
Costco Whsl Corp New com 22160K105   362 494 SH   SOLE 0 362 0 0
Camden Property Trust com 133131102   240 2,442 SH   SOLE 0 240 0 0
Americas Car-Mart Inc com 03062T105   346 5,425 SH   SOLE 0 346 0 0
Cisco Systems Inc com 17275R102   11,112 222,688 SH   SOLE 0 11,112 0 0
Carlisle Companies Inc com 142339100   252 644 SH   SOLE 0 252 0 0
CSX Corp. com 126408103   433 11,684 SH   SOLE 0 433 0 0
Coterra Energy Inc. com 127097103   804 28,849 SH   SOLE 0 804 0 0
Cognizant Technology Solutions Corp. com 192446102   3,577 48,849 SH   SOLE 0 3,577 0 0
C V S Caremark Corp. com 126650100   4,379 54,901 SH   SOLE 0 4,379 0 0
Chevron Corp com 166764100   4,102 26,002 SH   SOLE 0 4,102 0 0
Crane Company com 224441105   290 4,691 SH   SOLE 0 290 0 0
Deere & Co com 244199105   1,255 3,055 SH   SOLE 0 1,255 0 0
Dell Inc. com 24703L202   4,840 42,413 SH   SOLE 0 4,840 0 0
Dimensional Emerging Core Equity Market ETF ETF 25434V302   1,116 45,134 SH   SOLE 0 1,116 0 0
Dimensional US Core Equity Market ETF ETF 25434V104   301 8,239 SH   SOLE 0 301 0 0
Dimensional Emerging Markets ETF 25434V732   306 12,019 SH   SOLE 0 306 0 0
Discover Financial Services com 254709108   4,336 33,080 SH   SOLE 0 4,336 0 0
Quest Diagnostic Inc com 74834L100   4,929 37,030 SH   SOLE 0 4,929 0 0
D R Horton Co com 23331A109   11,321 68,801 SH   SOLE 0 11,321 0 0
Danaher Corp Del com 235851102   349 1,397 SH   SOLE 0 349 0 0
Disney Walt Hldg Co com 254687106   360 2,943 SH   SOLE 0 360 0 0
Dick's Sporting Goods Inc. com 253393102   9,676 43,033 SH   SOLE 0 9,676 0 0
Dole plc com G27907107   280 23,432 SH   SOLE 0 280 0 0
Dover Corporation com 260003108   450 2,538 SH   SOLE 0 450 0 0
Amdocs Limited Common Stock com G02602103   2,500 27,663 SH   SOLE 0 2,500 0 0
DoubleLine Income Solutions Fund com 258622109   887 69,851 SH   SOLE 0 887 0 0
Electronic Arts Inc. com 285512109   991 7,471 SH   SOLE 0 991 0 0
Consolidated Edison com 209115104   313 3,445 SH   SOLE 0 313 0 0
iShares MSCI Emerging Markets Index ETF ETF 464287234   2,296 55,882 SH   SOLE 0 2,296 0 0
iShares MSCI EAFE ETF ETF 464287465   12,019 150,497 SH   SOLE 0 12,019 0 0
iShares MSCI EAFE Min Volatility ETF ETF 46429B689   1,225 17,280 SH   SOLE 0 1,225 0 0
Everest Group Ltd com G3223R108   5,059 12,726 SH   SOLE 0 5,059 0 0
EastGroup Properties Inc. com 277276101   211 1,176 SH   SOLE 0 211 0 0
Encompass Health Corp com 29261A100   1,629 19,727 SH   SOLE 0 1,629 0 0
Edison International com 281020107   6,507 91,993 SH   SOLE 0 6,507 0 0
Elevance Health Inc. com 036752103   903 1,742 SH   SOLE 0 903 0 0
iShares JPMorgan USD Emerg Markets Bond ETF ETF 464288281   7,628 85,068 SH   SOLE 0 7,628 0 0
Emerson Electric Co com 291011104   248 2,186 SH   SOLE 0 248 0 0
EOG Resources, Inc com 26875P101   4,940 38,642 SH   SOLE 0 4,940 0 0
Equitable Holdings, Inc. com 29452E101   6,239 164,147 SH   SOLE 0 6,239 0 0
Eaton Corporation plc com G29183103   3,507 11,217 SH   SOLE 0 3,507 0 0
Entergy Corp New com 29364G103   1,092 10,331 SH   SOLE 0 1,092 0 0
Evercore Partners Inc. com 29977A105   1,263 6,556 SH   SOLE 0 1,263 0 0
Exelon Corporation com 30161N101   1,547 41,173 SH   SOLE 0 1,547 0 0
Expeditors International of Washington Inc. com 302130109   2,401 19,748 SH   SOLE 0 2,401 0 0
Extra Space Storage Inc. com 30225T102   465 3,166 SH   SOLE 0 465 0 0
Cambria Emerging Shareholder Yield ETF ETF 132061706   25,182 750,814 SH   SOLE 0 25,182 0 0
Ford Motor Company com 345370860   903 67,997 SH   SOLE 0 903 0 0
First American Financial Corp com 31847R102   212 3,475 SH   SOLE 0 212 0 0
Diamondback Energy, Inc. com 25278X109   1,287 6,492 SH   SOLE 0 1,287 0 0
Fastenal Co com 311900104   234 3,037 SH   SOLE 0 234 0 0
FedEx Corp. com 31428X106   909 3,139 SH   SOLE 0 909 0 0
Fiserv, Inc. com 337738108   481 3,010 SH   SOLE 0 481 0 0
Fifth Third Bancorp com 316773100   755 20,299 SH   SOLE 0 755 0 0
First Trust Managed Municipal ETF ETF 33739N108   2,122 41,320 SH   SOLE 0 2,122 0 0
Schwab Fundamental US Small Company ETF ETF 808524763   14,167 248,414 SH   SOLE 0 14,167 0 0
Schwab Fundamental US Broad Mkt ETF ETF 808524789   241 3,635 SH   SOLE 0 241 0 0
Schwab Fundamental Emerg Mkts Lg Co ETF ETF 808524730   38,410 1,383,653 SH   SOLE 0 38,410 0 0
Schwab Fundamental Intl Lg Co ETF ETF 808524755   83,035 2,331,775 SH   SOLE 0 83,035 0 0
Schwab Fundamental US Large Company ETF ETF 808524771   6,374 94,584 SH   SOLE 0 6,374 0 0
Fidelity National Finl. com 31620R303   3,100 58,389 SH   SOLE 0 3,100 0 0
Twenty-First Century Fox, Inc. Cl A com 35137L105   5,619 179,630 SH   SOLE 0 5,619 0 0
Fidelity MSCI Real Estate Index ETF ETF 316092857   434 16,630 SH   SOLE 0 434 0 0
General Dynamics Corp com 369550108   6,800 24,071 SH   SOLE 0 6,800 0 0
VanEck Vectors Gold Miners ETF ETF 92189F106   288 9,106 SH   SOLE 0 288 0 0
VanEck Vectors Junior Gold Miners ETF ETF 92189F791   546 14,095 SH   SOLE 0 546 0 0
Greif Inc Cl A com 397624107   307 4,450 SH   SOLE 0 307 0 0
NortonLifeLock Inc. com 668771108   271 12,099 SH   SOLE 0 271 0 0
Gilead Sciences Inc com 375558103   436 5,954 SH   SOLE 0 436 0 0
General Mills Inc com 370334104   1,978 28,269 SH   SOLE 0 1,978 0 0
Corning Inc com 219350105   4,447 134,919 SH   SOLE 0 4,447 0 0
General Motors Company com 37045V100   339 7,478 SH   SOLE 0 339 0 0
Alphabet Inc Class C com 02079K107   15,356 100,915 SH   SOLE 0 15,356 0 0
Alphabet Inc Class A com 02079K305   1,331 8,821 SH   SOLE 0 1,331 0 0
iShares Trust - U.S. Treasury Bond ETF iShares 46429B267   875 38,448 SH   SOLE 0 875 0 0
Genuine Parts Co com 372460105   335 2,165 SH   SOLE 0 335 0 0
Group 1 Automotive, Inc. com 398905109   3,275 11,207 SH   SOLE 0 3,275 0 0
Global Payments Inc com 37940X102   478 3,579 SH   SOLE 0 478 0 0
Goldman Sachs Group Inc com 38141G104   3,187 7,630 SH   SOLE 0 3,187 0 0
W.W. Grainger, Inc. com 384802104   357 351 SH   SOLE 0 357 0 0
Hasbro Inc com 418056107   571 10,097 SH   SOLE 0 571 0 0
Huntington Bancshares Incorporated com 446150104   830 59,486 SH   SOLE 0 830 0 0
HCA Holdings, Inc. com 40412C101   11,495 34,464 SH   SOLE 0 11,495 0 0
Home Depot Inc com 437076102   2,739 7,141 SH   SOLE 0 2,739 0 0
Hartford Financial Services com 416515104   11,021 106,951 SH   SOLE 0 11,021 0 0
Honda Motor Co Adr com 438128308   3,980 106,893 SH   SOLE 0 3,980 0 0
Honeywell International com 438516106   1,797 8,756 SH   SOLE 0 1,797 0 0
Hewlett Packard Enterprise Comp com 42824C109   7,139 402,679 SH   SOLE 0 7,139 0 0
HP Inc. com 40434L105   5,596 185,187 SH   SOLE 0 5,596 0 0
Host Hotels & Resorts Inc. com 44107P104   311 15,049 SH   SOLE 0 311 0 0
Hubbell Inc Class B com 443510607   221 533 SH   SOLE 0 221 0 0
VanEck Vectors High-Yield Muni ETF ETF 92189H409   857 16,404 SH   SOLE 0 857 0 0
SPDR Nuveen S&P High Yield Muni Bond ETF ETF 78464A284   257 10,005 SH   SOLE 0 257 0 0
Intl Business Machines com 459200101   6,730 35,244 SH   SOLE 0 6,730 0 0
iShares Global Clean Energy ETF ETF 464288224   230 16,433 SH   SOLE 0 230 0 0
iShares Core MSCI EAFE ETF ETF 46432F842   1,391 18,746 SH   SOLE 0 1,391 0 0
iShares Core MSCI Emerging Markets ETF ETF 46434G103   301 5,828 SH   SOLE 0 301 0 0
iShares Core S&P Mid-Cap ETF ETF 464287507   355 5,840 SH   SOLE 0 355 0 0
iShares S&P Mid-Cap 400 Value ETF ETF 464287705   419 3,540 SH   SOLE 0 419 0 0
iShares S&P Small-Cap ETF ETF 464287804   445 4,025 SH   SOLE 0 445 0 0
iShares S&P Small-Cap 600 Value ETF ETF 464287879   230 2,242 SH   SOLE 0 230 0 0
Infosys Limited ADR 456788108   3,062 170,748 SH   SOLE 0 3,062 0 0
Ingredion Incorporated com 457187102   1,080 9,244 SH   SOLE 0 1,080 0 0
Intel Corp com 458140100   281 6,351 SH   SOLE 0 281 0 0
iShares Edge MSCI Multifactor Intl ETF ETF 46434V274   17,290 579,411 SH   SOLE 0 17,290 0 0
International Paper Co com 460146103   237 6,080 SH   SOLE 0 237 0 0
Interpublic Group of Companies com 460690100   1,065 32,639 SH   SOLE 0 1,065 0 0
Iron Mountain Incorporated com 46284V101   414 5,156 SH   SOLE 0 414 0 0
VanEck Vectors Intermediate Muni ETF ETF 92189H201   332 7,141 SH   SOLE 0 332 0 0
Illinois Tool Works com 452308109   1,011 3,766 SH   SOLE 0 1,011 0 0
iShares Core S&P 500 ETF ETF 464287200   782 1,487 SH   SOLE 0 782 0 0
iShares Russell 1000 ETF ETF 464287622   362 1,258 SH   SOLE 0 362 0 0
iShares Russell 1000 Growth ETF iShares 464287614   302 897 SH   SOLE 0 302 0 0
iShares Russell Mid-cap Value ETF ETF 464287473   279 2,226 SH   SOLE 0 279 0 0
Jabil Circuit Inc. com 466313103   6,050 45,169 SH   SOLE 0 6,050 0 0
Janus Henderson Mortgage-Backed ETF ETF 47103U852   29,879 662,504 SH   SOLE 0 29,879 0 0
Johnson & Johnson com 478160104   7,345 46,433 SH   SOLE 0 7,345 0 0
Juniper Networks Inc com 48203R104   723 19,505 SH   SOLE 0 723 0 0
J P Morgan Chase & Co. com 46625H100   12,703 63,420 SH   SOLE 0 12,703 0 0
JPMorgan Ultra-Short Income ETF ETF 46641Q837   4,555 90,280 SH   SOLE 0 4,555 0 0
JPMorgan Diversified Return U.S. Equity ETF ETF 46641Q407   489 4,367 SH   SOLE 0 489 0 0
Kellogg Company com 487836108   288 5,032 SH   SOLE 0 288 0 0
The Kraft Heinz Company com 500754106   3,165 85,762 SH   SOLE 0 3,165 0 0
K L A Tencor Corp com 482480100   1,325 1,896 SH   SOLE 0 1,325 0 0
Kimberly-Clark Corp com 494368103   529 4,092 SH   SOLE 0 529 0 0
Kinder Morgan, Inc. com 49456B101   1,711 93,285 SH   SOLE 0 1,711 0 0
Coca Cola Company com 191216100   343 5,599 SH   SOLE 0 343 0 0
Kosmos Energy Ltd com 500688106   63 10,650 SH   SOLE 0 63 0 0
Kroger Company com 501044101   14,576 255,135 SH   SOLE 0 14,576 0 0
Kite Realty Group com 49803T300   220 10,129 SH   SOLE 0 220 0 0
Lamar Advertising Co A com 512816109   483 4,048 SH   SOLE 0 483 0 0
Leidos Holdings Inc com 525327102   1,578 12,037 SH   SOLE 0 1,578 0 0
iShares Emerging Markets Local Currency Bond ETF ETF 464286517   349 9,667 SH   SOLE 0 349 0 0
Lennar Corp Cl A com 526057104   3,847 22,370 SH   SOLE 0 3,847 0 0
Lab Cp Of Amer Hldg New com 50540R409   1,608 7,361 SH   SOLE 0 1,608 0 0
LKQ Corp. com 501889208   2,366 44,311 SH   SOLE 0 2,366 0 0
Eli Lilly & Company com 532457108   836 1,074 SH   SOLE 0 836 0 0
Lockheed Martin Corp com 539830109   4,532 9,963 SH   SOLE 0 4,532 0 0
Lowes Companies Inc com 548661107   7,793 30,594 SH   SOLE 0 7,793 0 0
Louisiana-Pacific Corp com 546347105   410 4,887 SH   SOLE 0 410 0 0
iShares Edge MSCI Multifactor USA ETF ETF 46434V282   11,901 221,165 SH   SOLE 0 11,901 0 0
LyondellBasell Industrials NV com N53745100   5,689 55,619 SH   SOLE 0 5,689 0 0
Mastercard Incorporated com 57636Q104   491 1,020 SH   SOLE 0 491 0 0
Masco Corporation com 574599106   1,134 14,374 SH   SOLE 0 1,134 0 0
iShares MBS Bond ETF ETF 464288588   2,790 30,187 SH   SOLE 0 2,790 0 0
McDonald's Corp. com 580135101   2,012 7,138 SH   SOLE 0 2,012 0 0
Microchip Technology Inc com 595017104   4,452 49,629 SH   SOLE 0 4,452 0 0
McKesson HBOC Inc com 58155Q103   11,141 20,752 SH   SOLE 0 11,141 0 0
Medtronic PLC com G5960L103   1,527 17,524 SH   SOLE 0 1,527 0 0
MDU Resources Group, Inc. com 552690109   1,022 40,559 SH   SOLE 0 1,022 0 0
Metlife Inc com 59156R108   5,674 76,568 SH   SOLE 0 5,674 0 0
Meta Platforms, Inc. com 30303M102   10,088 20,775 SH   SOLE 0 10,088 0 0
Manulife Financial Corporation com 56501R106   8,065 322,746 SH   SOLE 0 8,065 0 0
VanEck Long Muni ETF ETF 92189F536   473 26,280 SH   SOLE 0 473 0 0
Global X MLP & Energy Infrastructure ETF ETF 37954Y293   633 12,913 SH   SOLE 0 633 0 0
3M Company com 88579Y101   468 4,414 SH   SOLE 0 468 0 0
Marathon Petroleum Corporation com 56585A102   4,364 21,656 SH   SOLE 0 4,364 0 0
Merck & Co Inc com 58933Y105   5,918 44,853 SH   SOLE 0 5,918 0 0
Morgan Stanley com 617446448   1,569 16,660 SH   SOLE 0 1,569 0 0
Microsoft Corp com 594918104   25,200 59,897 SH   SOLE 0 25,200 0 0
MGIC Investment Corp com 552848103   4,552 203,562 SH   SOLE 0 4,552 0 0
iShares Natl Amt-Free Muni Bond ETF ETF 464288414   6,701 62,280 SH   SOLE 0 6,701 0 0
PIMCO Intermediate Muni Bond Strgy ETF ETF 72201R866   3,357 63,982 SH   SOLE 0 3,357 0 0
Murphy USA, Inc com 626755102   607 1,448 SH   SOLE 0 607 0 0
Newmont Mining Corp com 651639106   205 5,708 SH   SOLE 0 205 0 0
National Fuel Gas Co com 636180101   855 15,914 SH   SOLE 0 855 0 0
Northrop Grumman Corp com 666807102   1,522 3,179 SH   SOLE 0 1,522 0 0
Northern Oil and Gas, Inc. com 665531307   332 8,377 SH   SOLE 0 332 0 0
NRG Energy, Inc com 629377508   238 3,522 SH   SOLE 0 238 0 0
Norfolk Southern Corp com 655844108   253 993 SH   SOLE 0 253 0 0
Network Appliance Inc com 64110D104   3,959 37,725 SH   SOLE 0 3,959 0 0
Nutrien Ltd. com 67077M108   625 11,515 SH   SOLE 0 625 0 0
Nucor Corp com 670346105   5,428 27,428 SH   SOLE 0 5,428 0 0
Nvidia Corp com 67066G104   819 906 SH   SOLE 0 819 0 0
NVR Inc com 62944T105   2,713 335 SH   SOLE 0 2,713 0 0
Novartis A G Spon Adr ADR 66987V109   1,215 12,558 SH   SOLE 0 1,215 0 0
Nexstar Media Group com 65336K103   6,577 38,175 SH   SOLE 0 6,577 0 0
Owens Corning Inc. com 690742101   6,320 37,888 SH   SOLE 0 6,320 0 0
OGE Energy Corp com 670837103   640 18,665 SH   SOLE 0 640 0 0
Organon & Co. Common Stock com 68622V106   552 29,355 SH   SOLE 0 552 0 0
ONEOK Inc com 682680103   346 4,321 SH   SOLE 0 346 0 0
Omnicom Group Inc com 681919106   10,910 112,750 SH   SOLE 0 10,910 0 0
Oracle Corporation com 68389X105   15,734 125,258 SH   SOLE 0 15,734 0 0
Old Republic International Corporation com 680223104   328 10,669 SH   SOLE 0 328 0 0
Otis Worldwide Corp com 68902V107   374 3,770 SH   SOLE 0 374 0 0
Otter Tail Corporation com 689648103   839 9,706 SH   SOLE 0 839 0 0
Oxford Industries, Inc. com 691497309   989 8,795 SH   SOLE 0 989 0 0
Patrick Industries Inc. com 703343103   2,043 17,098 SH   SOLE 0 2,043 0 0
Paychex Inc com 704326107   268 2,183 SH   SOLE 0 268 0 0
Prestige Brands Holdings, Inc. com 74112D101   283 3,894 SH   SOLE 0 283 0 0
Petroleo Brasileiro ADR 71654V408   2,767 181,922 SH   SOLE 0 2,767 0 0
PACCAR Inc com 693718108   10,731 86,617 SH   SOLE 0 10,731 0 0
Potlatch Corporation com 737630103   315 6,700 SH   SOLE 0 315 0 0
Patterson Companies Inc. com 703395103   2,826 102,325 SH   SOLE 0 2,826 0 0
Pub Svc Enterprise Group com 744573106   290 4,341 SH   SOLE 0 290 0 0
PepsiCo Incorporated com 713448108   1,067 6,099 SH   SOLE 0 1,067 0 0
Pfizer Incorporated com 717081103   4,648 167,479 SH   SOLE 0 4,648 0 0
Principal Financial Group Inc. com 74251V102   2,978 34,507 SH   SOLE 0 2,978 0 0
PennyMac Financial Services, Inc. com 70932M107   242 2,652 SH   SOLE 0 242 0 0
Procter & Gamble com 742718109   12,052 74,280 SH   SOLE 0 12,052 0 0
Progressive Corp. com 743315103   1,119 5,412 SH   SOLE 0 1,119 0 0
Parker-Hannifin Corporation com 701094104   333 599 SH   SOLE 0 333 0 0
PulteGroup Inc com 745867101   8,805 72,995 SH   SOLE 0 8,805 0 0
Polaris Industries Inc. com 731068102   311 3,107 SH   SOLE 0 311 0 0
Premier, Inc. com 74051N102   296 13,403 SH   SOLE 0 296 0 0
Packaging Corp of America com 695156109   243 1,283 SH   SOLE 0 243 0 0
Plymouth Industrial REIT, Inc. com 729640102   579 25,725 SH   SOLE 0 579 0 0
PNC Financial Services com 693475105   259 1,600 SH   SOLE 0 259 0 0
PPG Industries Inc com 693506107   244 1,685 SH   SOLE 0 244 0 0
Invesco FTSE RAFI US 1000 ETF ETF 46137V613   546 14,202 SH   SOLE 0 546 0 0
Prudential Financial Inc com 744320102   5,500 46,847 SH   SOLE 0 5,500 0 0
Phillips 66 com 718546104   700 4,287 SH   SOLE 0 700 0 0
Pioneer Natural Resources Co. com 723787107   693 2,639 SH   SOLE 0 693 0 0
Invesco FTSE RAFI Dev Mkts ex-US ETF ETF 46138E743   808 16,268 SH   SOLE 0 808 0 0
Invesco FTSE RAFI Emerging Markets ETF ETF 46138E727   3,890 199,919 SH   SOLE 0 3,890 0 0
Qualcomm Inc com 747525103   2,008 11,861 SH   SOLE 0 2,008 0 0
Invesco QQQ ETF ETF 46090E103   286 644 SH   SOLE 0 286 0 0
Regions Financial Cp New com 7591EP100   2,656 126,225 SH   SOLE 0 2,656 0 0
Reinsurance Group of America com 759351604   1,954 10,129 SH   SOLE 0 1,954 0 0
Transocean LTD. com H8817H100   78 12,475 SH   SOLE 0 78 0 0
Hartford Multifactor Developed Markets ETF ETF 518416102   52,556 1,876,998 SH   SOLE 0 52,556 0 0
Ross Stores, Inc com 778296103   241 1,645 SH   SOLE 0 241 0 0
Range Resources Corporation com 75281A109   552 16,030 SH   SOLE 0 552 0 0
Reliance Steel & Aluminum Co com 759509102   4,149 12,416 SH   SOLE 0 4,149 0 0
Republic Services, Inc com 760759100   229 1,198 SH   SOLE 0 229 0 0
Raytheon Technologies Co com 75513E101   985 10,100 SH   SOLE 0 985 0 0
Xtrackers Muni Infra Rev Bond ETF ETF 233051705   272 10,599 SH   SOLE 0 272 0 0
Schwab U.S. Small-Cap ETF ETF 808524607   334 6,775 SH   SOLE 0 334 0 0
Schwab US Broad Mkt ETF ETF 808524102   629 10,307 SH   SOLE 0 629 0 0
Schwab U.S. Dividend Equity ETF ETF 808524797   372 4,616 SH   SOLE 0 372 0 0
Schwab Emerging Mkts Equity ETF ETF 808524706   979 38,758 SH   SOLE 0 979 0 0
Schwab International Equity ETF ETF 808524805   57,100 1,463,357 SH   SOLE 0 57,100 0 0
Schwab U.S. REIT ETF ETF 808524847   18,312 902,059 SH   SOLE 0 18,312 0 0
Schwab Short-Term U.S. Treasury ETF ETF 808524862   218 4,524 SH   SOLE 0 218 0 0
Schwab US TIPS ETF ETF 808524870   17,486 335,228 SH   SOLE 0 17,486 0 0
Schwab Intermediate-Term U.S. Trsy ETF ETF 808524854   24,918 508,010 SH   SOLE 0 24,918 0 0
Select Medical Holdings Corp com 81619Q105   355 11,777 SH   SOLE 0 355 0 0
Sprouts Farmers Market com 85208M102   1,817 28,176 SH   SOLE 0 1,817 0 0
Shell plc com 780259305   2,186 32,602 SH   SOLE 0 2,186 0 0
VanEck Short High Yield Muni ETF ETF 92189F387   270 12,070 SH   SOLE 0 270 0 0
J M Smuckers Co com 832696405   3,627 28,813 SH   SOLE 0 3,627 0 0
Sylvamo Corporation com 871332102   741 12,003 SH   SOLE 0 741 0 0
VanEck Vectors AMT-Free Short Municipal Index ETF ETF 92189F528   181 10,606 SH   SOLE 0 181 0 0
iShares Edge MSCI Mltfct USA SmCp ETF ETF 46434V290   1,222 19,227 SH   SOLE 0 1,222 0 0
Snap On Inc com 833034101   5,328 17,987 SH   SOLE 0 5,328 0 0
SYNNEX Corp. com 87162W100   632 5,589 SH   SOLE 0 632 0 0
Simon Ppty Group New com 828806109   583 3,723 SH   SOLE 0 583 0 0
SPDR Portfolio High Yield Bond ETF ETF 78468R606   1,544 65,797 SH   SOLE 0 1,544 0 0
SPDR Barclays Cap Interm Term Corp Bond ETF ETF 78464A375   3,865 118,220 SH   SOLE 0 3,865 0 0
SPDR Portfolio Mortgage Backed Bond ETF ETF 78464A383   313 14,417 SH   SOLE 0 313 0 0
SPDR S&P 500 ETF ETF 78462F103   1,933 3,696 SH   SOLE 0 1,933 0 0
Pacer Benchmark Data & Infrastructure Real Estate ETF com 69374H741   10,731 374,563 SH   SOLE 0 10,731 0 0
SS&C Technologies Holdings, Inc. com 78467J100   755 11,735 SH   SOLE 0 755 0 0
Steel Dynamics, Inc. com 858119100   4,291 28,954 SH   SOLE 0 4,291 0 0
Scorpio Tankers, Inc. com Y7542C130   338 4,726 SH   SOLE 0 338 0 0
State Street Corp com 857477103   241 3,121 SH   SOLE 0 241 0 0
Seagate Technology PLC F com G7997R103   1,020 10,966 SH   SOLE 0 1,020 0 0
iShares Short-Term National Muni Bond ETF ETF 464288158   497 4,745 SH   SOLE 0 497 0 0
Synchrony Financial com 87165B103   1,070 24,825 SH   SOLE 0 1,070 0 0
Stryker Corp com 863667101   230 644 SH   SOLE 0 230 0 0
A T & T Inc. com 00206R102   2,387 135,631 SH   SOLE 0 2,387 0 0
Toronto-Dominion Bank com 891160509   1,633 27,048 SH   SOLE 0 1,633 0 0
TE Connectivity Ltd. com H84989104   2,455 16,906 SH   SOLE 0 2,455 0 0
TEGNA, Inc. com 87901J105   330 22,072 SH   SOLE 0 330 0 0
Target Corporation com 87612E106   3,306 18,655 SH   SOLE 0 3,306 0 0
Tenet Healthcare Corp com 88033G407   376 3,576 SH   SOLE 0 376 0 0
iShares Barclays TIPS Bond ETF 464287176   3,615 33,655 SH   SOLE 0 3,615 0 0
TJX Cos Inc com 872540109   1,924 18,968 SH   SOLE 0 1,924 0 0
iShares 20 Year Treasury Bond ETF iShares 464287432   6,800 71,867 SH   SOLE 0 6,800 0 0
Toyota Motor Corporation ADR 892331307   10,967 43,575 SH   SOLE 0 10,967 0 0
Taylor Morrison Home Corporation com 87724P106   1,392 22,396 SH   SOLE 0 1,392 0 0
Thermo Fisher Scientific Inc. com 883556102   3,615 6,219 SH   SOLE 0 3,615 0 0
Tortoise North American Pipeline Fund com 56167N720   19,825 709,047 SH   SOLE 0 19,825 0 0
T. Rowe Price Group, Inc. com 74144T108   286 2,344 SH   SOLE 0 286 0 0
Travelers Companies Inc com 89417E109   5,087 22,105 SH   SOLE 0 5,087 0 0
Taiwan Semiconductor Manufacturing Co. com 874039100   229 1,681 SH   SOLE 0 229 0 0
Tyson Foods Inc com 902494103   1,515 25,796 SH   SOLE 0 1,515 0 0
Trane Technologies plc com G8994E103   223 743 SH   SOLE 0 223 0 0
TotalEnergies SE ADS 89151E109   2,727 39,615 SH   SOLE 0 2,727 0 0
Texas Instruments Inc com 882508104   5,593 32,105 SH   SOLE 0 5,593 0 0
UGI Corporation New com 902681105   2,780 113,272 SH   SOLE 0 2,780 0 0
Universal Health Services Inc. com 913903100   360 1,971 SH   SOLE 0 360 0 0
UnitedHealth Group Inc. com 91324P102   3,143 6,353 SH   SOLE 0 3,143 0 0
Unum Group com 91529Y106   6,147 114,560 SH   SOLE 0 6,147 0 0
Union Pacific com 907818108   3,821 15,537 SH   SOLE 0 3,821 0 0
United Parcel Service, Inc. com 911312106   404 2,716 SH   SOLE 0 404 0 0
United Rentals, Inc. com 911363109   5,456 7,566 SH   SOLE 0 5,456 0 0
US Bancorp com 902973304   484 10,831 SH   SOLE 0 484 0 0
iShares Core US REIT ETF ETF 464288521   328 6,097 SH   SOLE 0 328 0 0
Visa, Inc. com 92826C839   1,107 3,965 SH   SOLE 0 1,107 0 0
Vanguard Small Cap Value ETF ETF 922908611   4,539 23,657 SH   SOLE 0 4,539 0 0
Vanguard FTSE Developed Markets ETF ETF 921943858   360 7,184 SH   SOLE 0 360 0 0
Vanguard Interm-Tm Govt Bd Inx ETF ETF 92206C706   6,841 116,842 SH   SOLE 0 6,841 0 0
Vanguard Dividend Appreciation ETF ETF 921908844   503 2,755 SH   SOLE 0 503 0 0
Valero Energy Corp New com 91913Y100   2,547 14,921 SH   SOLE 0 2,547 0 0
Vanguard Reit Index ETF ETF 922908553   23,151 267,700 SH   SOLE 0 23,151 0 0
Vontier Corp com 928881101   455 10,040 SH   SOLE 0 455 0 0
Vanguard Russell 1000 ETF ETF 92206C730   4,096 17,185 SH   SOLE 0 4,096 0 0
Vanguard S&P 500 ETF ETF 922908363   622 1,294 SH   SOLE 0 622 0 0
Vishay Intertechnology Inc. com 928298108   2,940 129,627 SH   SOLE 0 2,940 0 0
Vistra Corp. com 92840M102   491 7,043 SH   SOLE 0 491 0 0
Vanguard Tax-Exempt Bond Index ETF ETF 922907746   11,300 223,326 SH   SOLE 0 11,300 0 0
Vanguard Total Stock Market ETF ETF 922908769   596 2,292 SH   SOLE 0 596 0 0
Viatris Inc com 92556V106   559 46,815 SH   SOLE 0 559 0 0
Vanguard Value ETF ETF 922908744   1,027 6,303 SH   SOLE 0 1,027 0 0
Vanguard Emerging Markets Stock ETF ETF 922042858   257 6,163 SH   SOLE 0 257 0 0
Vanguard Total International Stock ETF ETF 921909768   220 3,641 SH   SOLE 0 220 0 0
Verizon Communications com 92343V104   5,060 120,595 SH   SOLE 0 5,060 0 0
Wal-Mart Stores Inc com 931142103   7,738 128,600 SH   SOLE 0 7,738 0 0
Williams Sonoma com 969904101   2,538 7,993 SH   SOLE 0 2,538 0 0
Whitestone REIT com 966084204   198 15,786 SH   SOLE 0 198 0 0
Weyerhaeuser Co com 962166104   257 7,146 SH   SOLE 0 257 0 0
Technology Select Sector SPDR ETF ETF 81369Y803   247 1,185 SH   SOLE 0 247 0 0
The Real Estate Select Sector SPDR Fund com 81369Y860   4,642 117,421 SH   SOLE 0 4,642 0 0
Exxon Mobil Corporation com 30231G102   6,625 56,998 SH   SOLE 0 6,625 0 0
Zimmer Biomet Holdings, Inc. com 98956P102   255 1,931 SH   SOLE 0 255 0 0
Ziff Davis, Inc. com 48123V102   204 3,235 SH   SOLE 0 204 0 0