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
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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
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   21,613,109 293,856 SH   SOLE --- 203,598 0 90,258
VANGUARD INDEX FDS TOTAL STK MKT 922908769   43,450,401 183,165 SH   SOLE --- 182,912 0 253
VANGUARD STAR FDS VG TL INTL STK F 921909768   2,331,847 40,232 SH   SOLE --- 36,424 0 3,808
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   6,525,828 84,729 SH   SOLE --- 84,729 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   3,980,085 52,109 SH   SOLE --- 47,147 0 4,962
ISHARES TR BLACKROCK ULTRA 46434V878   1,106,661 21,975 SH   SOLE --- 21,975 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   3,827,458 34,287 SH   SOLE --- 29,453 0 4,834
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,496,405 39,570 SH   SOLE --- 25,225 0 14,345
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   8,140,915 164,440 SH   SOLE --- 93,044 0 71,396
ISHARES TR RUSSELL 2000 ETF 464287655   4,319,279 21,520 SH   SOLE --- 11,571 0 9,949
ISHARES TR ESG AWR MSCI USA 46435G425   8,210,829 78,258 SH   SOLE --- 34,343 0 43,915
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,174,783 26,118 SH   SOLE --- 11,532 0 14,586
ISHARES TR IBOXX HI YD ETF 464288513   20,797,247 268,733 SH   SOLE --- 253,444 0 15,289
SPDR SER TR BLOOMBERG HIGH Y 78468R622   1,214,249 12,818 SH   SOLE --- 11,012 0 1,806
PROLOGIS INC. COM 74340W103   2,720,653 20,410 SH   SOLE --- 19,353 0 1,057
LAM RESEARCH CORP COM 512807108   1,684,792 2,151 SH   SOLE --- 1,904 0 247
HONEYWELL INTL INC COM 438516106   1,544,095 7,363 SH   SOLE --- 6,630 0 733
BLACKROCK INC COM 09247X101   1,962,121 2,417 SH   SOLE --- 2,205 0 212
NEXTERA ENERGY INC COM 65339F101   1,463,895 24,101 SH   SOLE --- 21,546 0 2,555
DUPONT DE NEMOURS INC COM 26614N102   1,310,733 17,038 SH   SOLE --- 15,175 0 1,863
THERMO FISHER SCIENTIFIC INC COM 883556102   1,666,150 3,139 SH   SOLE --- 2,777 0 362
MICROSOFT CORP COM 594918104   5,575,921 14,828 SH   SOLE --- 12,012 0 2,816
APPLIED MATLS INC COM 038222105   937,413 5,784 SH   SOLE --- 4,581 0 1,203
AMETEK INC COM 031100100   730,957 4,433 SH   SOLE --- 3,465 0 968
L3HARRIS TECHNOLOGIES INC COM 502431109   1,061,735 5,041 SH   SOLE --- 4,502 0 539
MORGAN STANLEY COM NEW 617446448   2,060,918 22,101 SH   SOLE --- 19,790 0 2,311
EOG RES INC COM 26875P101   679,376 5,617 SH   SOLE --- 4,380 0 1,237
BROADCOM INC COM 11135F101   2,382,078 2,134 SH   SOLE --- 1,837 0 297
T-MOBILE US INC COM 872590104   709,781 4,427 SH   SOLE --- 3,442 0 985
EQUINIX INC COM 29444U700   1,295,067 1,608 SH   SOLE --- 1,463 0 145
VISA INC COM CL A 92826C839   1,205,941 4,632 SH   SOLE --- 3,614 0 1,018
MASTERCARD INCORPORATED CL A 57636Q104   1,210,435 2,838 SH   SOLE --- 2,210 0 628
PHILIP MORRIS INTL INC COM 718172109   1,542,724 16,398 SH   SOLE --- 14,777 0 1,621
COSTCO WHSL CORP NEW COM 22160K105   1,229,069 1,862 SH   SOLE --- 1,464 0 398
NORTHROP GRUMMAN CORP COM 666807102   527,126 1,126 SH   SOLE --- 884 0 242
LKQ CORP COM 501889208   572,476 11,979 SH   SOLE --- 9,326 0 2,653
ABBOTT LABS COM 002824100   1,748,352 15,884 SH   SOLE --- 14,110 0 1,774
AMAZON COM INC COM 023135106   2,644,364 17,404 SH   SOLE --- 13,683 0 3,721
CONSTELLATION BRANDS INC CL A 21036P108   545,388 2,256 SH   SOLE --- 1,753 0 503
UNITEDHEALTH GROUP INC COM 91324P102   1,218,252 2,314 SH   SOLE --- 1,809 0 505
ALPHABET INC CAP STK CL C 02079K107   1,979,221 14,044 SH   SOLE --- 12,054 0 1,990
BOSTON SCIENTIFIC CORP COM 101137107   831,077 14,376 SH   SOLE --- 11,219 0 3,157
SEMPRA COM 816851109   653,364 8,743 SH   SOLE --- 6,983 0 1,760
AMERIPRISE FINL INC COM 03076C106   1,422,084 3,744 SH   SOLE --- 3,295 0 449
HUMANA INC COM 444859102   531,975 1,162 SH   SOLE --- 913 0 249
ALPHABET INC CAP STK CL A 02079K305   1,318,255 9,437 SH   SOLE --- 7,172 0 2,265
QUANTA SVCS INC COM 74762E102   866,005 4,013 SH   SOLE --- 3,125 0 888
SALESFORCE INC COM 79466L302   1,185,446 4,505 SH   SOLE --- 3,551 0 954
VERTEX PHARMACEUTICALS INC COM 92532F100   836,973 2,057 SH   SOLE --- 1,606 0 451
APPLE INC COM 037833100   5,377,079 27,453 SH   SOLE --- 21,898 0 5,555
CONOCOPHILLIPS COM 20825C104   883,061 7,608 SH   SOLE --- 5,883 0 1,725
WALMART INC COM 931142103   839,959 5,328 SH   SOLE --- 4,143 0 1,185
MERCK & CO INC COM 58933Y105   2,160,667 19,819 SH   SOLE --- 17,592 0 2,227
GALLAGHER ARTHUR J & CO COM 363576109   747,276 3,323 SH   SOLE --- 2,593 0 730
ELECTRONIC ARTS INC COM 285512109   1,281,499 9,367 SH   SOLE --- 8,419 0 948
BECTON DICKINSON & CO COM 075887109   1,373,494 5,633 SH   SOLE --- 5,013 0 620
JACOBS SOLUTIONS INC COM 46982L108   1,112,646 8,572 SH   SOLE --- 7,680 0 892
SYSCO CORP COM 871829107   448,287 6,130 SH   SOLE --- 4,759 0 1,371
CHIPOTLE MEXICAN GRILL INC COM 169656105   738,688 323 SH   SOLE --- 252 0 71
NETFLIX INC COM 64110L106   493,696 1,014 SH   SOLE --- 804 0 210
DISNEY WALT CO COM 254687106   459,486 5,089 SH   SOLE --- 3,970 0 1,119
JPMORGAN CHASE & CO COM 46625H100   3,529,915 20,752 SH   SOLE --- 18,918 0 1,834
BOOKING HOLDINGS INC COM 09857L108   890,352 251 SH   SOLE --- 198 0 53
TESLA INC COM 88160R101   423,410 1,704 SH   SOLE --- 1,366 0 338
DELTA AIR LINES INC DEL COM NEW 247361702   549,140 13,650 SH   SOLE --- 10,784 0 2,866
STARBUCKS CORP COM 855244109   1,594,572 7,018 SH   SOLE --- 5,513 0 1,505
EMERSON ELEC CO COM 291011104   1,434,352 14,737 SH   SOLE --- 13,104 0 1,633
CISCO SYS INC COM 17275R102   1,706,414 33,777 SH   SOLE --- 30,787 0 2,990
QUALCOMM INC COM 747525103   1,488,966 10,295 SH   SOLE --- 9,193 0 1,102
LABORATORY CORP AMER HLDGS COM NEW 50540R409   591,636 2,603 SH   SOLE --- 2,016 0 587
META PLATFORMS INC CL A 30303M102   533,064 1,506 SH   SOLE --- 1,184 0 322
NVIDIA CORPORATION COM 67066G104   1,014,706 2,049 SH   SOLE --- 1,612 0 437
ONEOK INC NEW COM 682680103   630,505 8,979 SH   SOLE --- 7,006 0 1,973
ALBEMARLE CORP COM 012653101   477,506 3,305 SH   SOLE --- 2,582 0 723
CITIGROUP INC COM NEW 172967424   837,649 16,284 SH   SOLE --- 16,284 0 0
RTX CORPORATION COM 75513E101   849,982 10,102 SH   SOLE --- 10,102 0 0
MARATHON PETE CORP COM 56585A102   609,018 4,105 SH   SOLE --- 4,105 0 0
VALERO ENERGY CORP COM 91913Y100   601,250 4,625 SH   SOLE --- 4,625 0 0
ARCHER DANIELS MIDLAND CO COM 039483102   629,738 8,437 SH   SOLE --- 8,437 0 0
CHEVRON CORP NEW COM 166764100   1,277,854 8,567 SH   SOLE --- 8,567 0 0
FIDELITY NATIONAL FINANCIAL FNF GROUP COM 31620R303   704,841 13,815 SH   SOLE --- 13,815 0 0
COCA COLA CO COM 191216100   813,050 12,668 SH   SOLE --- 12,668 0 0
EASTMAN CHEM CO COM 277432100   530,657 5,908 SH   SOLE --- 5,908 0 0
ELEVANCE HEALTH INC COM 036752103   679,990 1,442 SH   SOLE --- 1,442 0 0
BANK AMERICA CORP COM 060505104   1,272,423 37,791 SH   SOLE --- 37,791 0 0
COMCAST CORP NEW CL A 20030N101   953,869 21,753 SH   SOLE --- 21,753 0 0
ABBVIE INC COM 00287Y109   558,357 3,603 SH   SOLE --- 3,603 0 0
F N B CORP COM 302520101   741,666 53,861 SH   SOLE --- 53,861 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   457,867 12,145 SH   SOLE --- 12,145 0 0
PROCTER AND GAMBLE CO COM 742718109   1,187,267 8,102 SH   SOLE --- 8,102 0 0
MEDTRONIC PLC SHS G5960L103   587,287 7,129 SH   SOLE --- 7,129 0 0
HARTFORD FINL SVCS GROUP INC COM 416515104   720,044 8,958 SH   SOLE --- 8,958 0 0
IRON MTN INC DEL COM 46284V101   379,502 5,423 SH   SOLE --- 5,423 0 0
DOVER CORP COM 260003108   592,938 3,855 SH   SOLE --- 3,855 0 0
WILLIAMS COS INC COM 969457100   673,647 19,341 SH   SOLE --- 19,341 0 0
AMERICAN ELEC PWR CO INC COM 025537101   541,819 6,671 SH   SOLE --- 6,671 0 0
WELLS FARGO CO NEW COM 949746101   1,075,998 21,861 SH   SOLE --- 21,861 0 0
CVS HEALTH CORP COM 126650100   683,004 8,650 SH   SOLE --- 8,650 0 0
THE CIGNA GROUP COM 125523100   891,163 2,976 SH   SOLE --- 2,976 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   592,631 11,550 SH   SOLE --- 11,550 0 0
LAMB WESTON HLDGS INC COM 513272104   542,288 5,017 SH   SOLE --- 5,017 0 0
SS&C TECHNOLOGIES HLDGS INC COM 78467J100   529,151 8,659 SH   SOLE --- 8,659 0 0
CORNING INC COM 219350105   579,372 19,027 SH   SOLE --- 19,027 0 0
ENCOMPASS HEALTH CORP COM 29261A100   635,375 9,523 SH   SOLE --- 9,523 0 0
DECKERS OUTDOOR CORP COM 243537107   735,273 1,100 SH   SOLE --- 1,100 0 0
CRANE NXT CO COM 224441105   509,271 8,955 SH   SOLE --- 8,955 0 0
ITT INC COM 45073V108   628,816 5,270 SH   SOLE --- 5,270 0 0
S&P GLOBAL INC COM 78409V104   779,280 1,769 SH   SOLE --- 1,769 0 0
LENNAR CORP CL A 526057104   805,859 5,407 SH   SOLE --- 5,407 0 0
BORGWARNER INC COM 099724106   452,570 12,624 SH   SOLE --- 12,624 0 0
FMC CORP COM NEW 302491303   401,944 6,375 SH   SOLE --- 6,375 0 0
CLEARWAY ENERGY INC CL C 18539C204   826,466 30,130 SH   SOLE --- 29,950 0 180
GENERAL DYNAMICS CORP COM 369550108   760,314 2,928 SH   SOLE --- 2,928 0 0
DEERE & CO COM 244199105   855,818 1,381 SH   SOLE --- 1,381 0 0
MCDONALDS CORP COM 580135101   821,926 2,772 SH   SOLE --- 2,772 0 0
DIGITAL RLTY TR INC COM 253868103   1,180,132 8,769 SH   SOLE --- 8,769 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   393,120 3,780 SH   SOLE --- 3,780 0 0
TOTALENERGIES SE SPONSORED ADS 89151E109   225,925 3,353 SH   SOLE --- 3,353 0 0
SHELL PLC SPON ADS 780259305   300,640 4,569 SH   SOLE --- 4,569 0 0
SAP SE SPON ADR 803054204   227,711 1,473 SH   SOLE --- 1,473 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108   253,303 3,761 SH   SOLE --- 3,761 0 0
ROYAL BK CDA COM 780087102   213,991 2,116 SH   SOLE --- 2,116 0 0
BHP GROUP LTD SPONSORED ADS 088606108   224,945 3,293 SH   SOLE --- 3,293 0 0
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   153,835 15,892 SH   SOLE --- 15,892 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   99,575 41,663 SH   SOLE --- 41,663 0 0
NOVO-NORDISK A S ADR 670100205   253,866 2,454 SH   SOLE --- 2,454 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   356,509 471 SH   SOLE --- 471 0 0
TOYOTA MOTOR CORP ADS 892331307   219,139 1,195 SH   SOLE --- 1,195 0 0
CEMEX SAB DE CV SPON ADR NEW 151290889   86,265 11,131 SH   SOLE --- 11,131 0 0
NOVARTIS AG SPONSORED ADR 66987V109   285,240 2,825 SH   SOLE --- 2,825 0 0
OUTFRONT MEDIA INC COM 69007J106   182,457 13,070 SH   SOLE --- 12,886 0 184
FULLER H B CO COM 359694106   207,188 2,545 SH   SOLE --- 2,472 0 73
ARCOSA INC COM 039653100   217,013 2,626 SH   SOLE --- 2,552 0 74
CONMED CORP COM 207410101   210,697 1,924 SH   SOLE --- 1,873 0 51
SPDR SER TR S&P BIOTECH 78464A870   957,278 10,721 SH   SOLE --- 10,416 0 305
SPS COMM INC COM 78463M107   247,146 1,275 SH   SOLE --- 1,239 0 36
VIAVI SOLUTIONS INC COM 925550105   133,377 13,245 SH   SOLE --- 12,885 0 360
ONTO INNOVATION INC COM 683344105   291,427 1,906 SH   SOLE --- 1,853 0 53
ENPRO INDS INC COM 29355X107   256,740 1,638 SH   SOLE --- 1,592 0 46
ENSIGN GROUP INC COM 29358P101   218,248 1,945 SH   SOLE --- 1,890 0 55
FABRINET SHS G3323L100   261,704 1,375 SH   SOLE --- 1,333 0 42
INSTALLED BLDG PRODS INC COM 45780R101   242,785 1,328 SH   SOLE --- 1,290 0 38
REDWOOD TRUST INC COM 758075402   193,764 26,149 SH   SOLE --- 25,382 0 767
MAGNITE INC COM 55955D100   100,330 10,742 SH   SOLE --- 10,425 0 317
ADEIA INC COM 00676P107   186,631 15,063 SH   SOLE --- 14,645 0 418
API GROUP CORP COM STK 00187Y100   232,374 6,716 SH   SOLE --- 6,529 0 187
ARCBEST CORP COM 03937C105   219,624 1,827 SH   SOLE --- 1,776 0 51
GOOSEHEAD INS INC COM CL A 38267D109   250,064 3,299 SH   SOLE --- 3,210 0 89
SPDR SER TR S&P REGL BKG 78464A698   1,137,574 21,697 SH   SOLE --- 21,075 0 622
VIZIO HLDG CORP CL A COM 92858V101   188,896 24,532 SH   SOLE --- 23,811 0 721
NERDWALLET INC COM CL A 64082B102   164,393 11,168 SH   SOLE --- 10,835 0 333
TERRENO RLTY CORP COM 88146M101   201,609 3,217 SH   SOLE --- 3,123 0 94
PAYONEER GLOBAL INC COM 70451X104   176,728 33,921 SH   SOLE --- 32,931 0 990
LIVERAMP HLDGS INC COM 53815P108   208,529 5,505 SH   SOLE --- 5,348 0 157
PATTERSON-UTI ENERGY INC COM 703481101   126,578 11,720 SH   SOLE --- 11,385 0 335
CROWN CASTLE INC COM 22822V101   304,217 2,641 SH   SOLE --- 2,641 0 0
ALEXANDRIA REAL ESTATE EQ IN COM 015271109   235,539 1,858 SH   SOLE --- 1,858 0 0
VICI PPTYS INC COM 925652109   322,785 10,125 SH   SOLE --- 10,125 0 0
AMERICAN HOMES 4 RENT CL A 02665T306   224,426 6,241 SH   SOLE --- 6,241 0 0
SUN CMNTYS INC COM 866674104   249,257 1,865 SH   SOLE --- 1,865 0 0
GAMING & LEISURE PPTYS INC COM 36467J108   246,355 4,992 SH   SOLE --- 4,992 0 0
REGENCY CTRS CORP COM 758849103   202,809 3,027 SH   SOLE --- 3,027 0 0
AMERICAN TOWER CORP NEW COM 03027X100   1,083,718 5,020 SH   SOLE --- 5,020 0 0
REALTY INCOME CORP COM 756109104   361,976 6,304 SH   SOLE --- 6,304 0 0
CBRE GROUP INC CL A 12504L109   406,896 4,371 SH   SOLE --- 4,371 0 0
VENTAS INC COM 92276F100   244,864 4,913 SH   SOLE --- 4,913 0 0
WELLTOWER INC COM 95040Q104   414,602 4,598 SH   SOLE --- 4,598 0 0
SIMON PPTY GROUP INC NEW COM 828806109   466,433 3,270 SH   SOLE --- 3,270 0 0
HOST HOTELS & RESORTS INC COM 44107P104   211,873 10,882 SH   SOLE --- 10,882 0 0
WEYERHAEUSER CO MTN BE COM NEW 962166104   305,906 8,798 SH   SOLE --- 8,798 0 0
INDEPENDENCE RLTY TR INC COM 45378A106   162,410 10,615 SH   SOLE --- 10,615 0 0
MID-AMER APT CMNTYS INC COM 59522J103   210,699 1,567 SH   SOLE --- 1,567 0 0
PUBLIC STORAGE COM 74460D109   611,830 2,006 SH   SOLE --- 2,006 0 0
REXFORD INDL RLTY INC COM 76169C100   643,916 11,478 SH   SOLE --- 11,478 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   223,100 6,831 SH   SOLE --- 6,831 0 0
CATERPILLAR INC COM 149123101   200,855 0 SH   SOLE --- 0 0 0
TEXAS INSTRS INC COM 882508104   204,347 0 SH   SOLE --- 0 0 0
NIKE INC CL B 654106103   694,153 0 SH   SOLE --- 0 0 0
ISHARES TR CORE US AGGBD ET 464287226   379,433 3,823 SH   SOLE --- 0 0 3,823
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   1,419,630 19,035 SH   SOLE --- 19,035 0 0
ISHARES TR TIPS BD ETF 464287176   401,153 3,732 SH   SOLE --- 3,732 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   390,676 8,427 SH   SOLE --- 8,427 0 0
ISHARES TR CORE S&P500 ETF 464287200   1,752,902 3,670 SH   SOLE --- 3,670 0 0
ISHARES TR PFD AND INCM SEC 464288687   219,047 7,023 SH   SOLE --- 7,023 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   1,601,726 38,200 SH   SOLE --- 38,200 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   1,270,800 60,000 SH   SOLE --- 60,000 0 0
EXXON MOBIL CORP COM 30231G102   623,475 6,236 SH   SOLE --- 6,236 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   259,390 5,462 SH   SOLE --- 5,462 0 0