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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Company com 88579Y101 642 5,812 SH   SOLE 0 642 0 0
A T & T Inc. com 00206R102 804 52,418 SH   SOLE 0 804 0 0
Abbott Laboratories com 002824100 380 3,929 SH   SOLE 0 380 0 0
AbbVie Inc. com 00287Y109 7,478 55,720 SH   SOLE 0 7,478 0 0
Accenture Ltd Cl A com G1151C101 4,517 17,554 SH   SOLE 0 4,517 0 0
Activision Inc com 00507V109 3,662 49,257 SH   SOLE 0 3,662 0 0
AES Corporation com 00130H105 1,262 55,820 SH   SOLE 0 1,262 0 0
AFLAC Inc com 001055102 4,518 80,385 SH   SOLE 0 4,518 0 0
Allison Transmission Holdings, INc. com 01973R101 1,257 37,236 SH   SOLE 0 1,257 0 0
Allstate Corporation com 020002101 2,526 20,282 SH   SOLE 0 2,526 0 0
Alphabet Inc Class A com 02079K305 654 6,839 SH   SOLE 0 654 0 0
Alphabet Inc Class C com 02079K107 10,924 113,617 SH   SOLE 0 10,924 0 0
Amdocs Limited Common Stock com G02602103 1,620 20,396 SH   SOLE 0 1,620 0 0
American Financial Group com 025932104 348 2,827 SH   SOLE 0 348 0 0
American Intl Group Inc com 026874784 482 10,143 SH   SOLE 0 482 0 0
American Tower Corporation com 03027X100 3,576 16,654 SH   SOLE 0 3,576 0 0
Ameriprise Financial, Inc. com 03076C106 4,833 19,183 SH   SOLE 0 4,833 0 0
Amerisource Bergen com 03073E105 688 5,082 SH   SOLE 0 688 0 0
Amgen Incorporated com 031162100 7,745 34,363 SH   SOLE 0 7,745 0 0
Amkor Technology Inc com 031652100 489 28,655 SH   SOLE 0 489 0 0
Apple Computer Inc com 037833100 34,702 251,097 SH   SOLE 0 34,702 0 0
Applied Materials Inc com 038222105 824 10,052 SH   SOLE 0 824 0 0
Archer-Daniels-Midland Co. com 039483102 2,790 34,675 SH   SOLE 0 2,790 0 0
Armada Hoffler Properties, Inc. com 04208T108 2,315 223,030 SH   SOLE 0 2,315 0 0
Arrow Electronics, Inc. com 042735100 912 9,891 SH   SOLE 0 912 0 0
Automatic Data Processing, Inc. com 053015103 1,648 7,288 SH   SOLE 0 1,648 0 0
AutoZone Inc com 053332102 1,437 671 SH   SOLE 0 1,437 0 0
Avantis Emerging Markets Equity ETF ETF 025072604 28,653 623,850 SH   SOLE 0 28,653 0 0
Avnet, Inc. com 053807103 3,831 106,055 SH   SOLE 0 3,831 0 0
Bank of America Corp com 060505104 489 16,193 SH   SOLE 0 489 0 0
Bank of Montreal com 063671101 2,385 27,219 SH   SOLE 0 2,385 0 0
Becton Dickinson & Co com 075887109 2,432 10,916 SH   SOLE 0 2,432 0 0
Belden Inc com 077454106 1,596 26,591 SH   SOLE 0 1,596 0 0
Best Buy Inc com 086516101 3,125 49,342 SH   SOLE 0 3,125 0 0
BioNTech SE ADR 09075V102 438 3,246 SH   SOLE 0 438 0 0
Booz Allen Hamilton Holdings Corporation com 099502106 496 5,372 SH   SOLE 0 496 0 0
Bristol-Myers Squibb Co com 110122108 1,983 27,887 SH   SOLE 0 1,983 0 0
Broadcom Limited com 11135F101 1,676 3,774 SH   SOLE 0 1,676 0 0
C V S Caremark Corp. com 126650100 6,719 70,451 SH   SOLE 0 6,719 0 0
Cabot Corporation com 127055101 1,250 19,567 SH   SOLE 0 1,250 0 0
Camden Property Trust com 133131102 7,007 58,657 SH   SOLE 0 7,007 0 0
Canadian Natl RR Co. com 136375102 577 5,342 SH   SOLE 0 577 0 0
Canadian Natural Resources Limited com 136385101 907 19,477 SH   SOLE 0 907 0 0
Cardinal Health Inc com 14149Y108 417 6,257 SH   SOLE 0 417 0 0
Carrier Global Corp com 14448C104 536 15,069 SH   SOLE 0 536 0 0
Caterpillar Inc com 149123101 1,810 11,029 SH   SOLE 0 1,810 0 0
CDW Corporation com 12514G108 2,642 16,926 SH   SOLE 0 2,642 0 0
Celanese Corporation com 150870103 971 10,743 SH   SOLE 0 971 0 0
Century Communities, Inc com 156504300 300 7,007 SH   SOLE 0 300 0 0
CF Industries Holdings, Inc. com 125269100 787 8,173 SH   SOLE 0 787 0 0
Chevron Corp com 166764100 3,653 25,428 SH   SOLE 0 3,653 0 0
Chubb Ltd com H1467J104 1,132 6,224 SH   SOLE 0 1,132 0 0
CIGNA Corp com 125523100 760 2,740 SH   SOLE 0 760 0 0
Cincinnati Financial Cp com 172062101 547 6,102 SH   SOLE 0 547 0 0
Cisco Systems Inc com 17275R102 8,035 200,887 SH   SOLE 0 8,035 0 0
Citigroup Inc com 172967424 291 6,988 SH   SOLE 0 291 0 0
Civitas Resources, Inc. com 17888H103 457 7,963 SH   SOLE 0 457 0 0
CMS Energy Corp com 125896100 666 11,434 SH   SOLE 0 666 0 0
Coca Cola Company com 191216100 266 4,754 SH   SOLE 0 266 0 0
Cognizant Technology Solutions Corp. com 192446102 2,400 41,779 SH   SOLE 0 2,400 0 0
Comcast Corp com 20030N101 294 10,027 SH   SOLE 0 294 0 0
Comerica Incorporated com 200340107 305 4,286 SH   SOLE 0 305 0 0
Concentrix Corp com 20602D101 445 3,989 SH   SOLE 0 445 0 0
ConocoPhillips com 20825C104 884 8,639 SH   SOLE 0 884 0 0
Constellation Energy Co com 21037T109 1,696 20,385 SH   SOLE 0 1,696 0 0
Corning Inc com 219350105 3,318 114,336 SH   SOLE 0 3,318 0 0
Costco Whsl Corp New com 22160K105 254 538 SH   SOLE 0 254 0 0
Crane Company com 224399105 433 4,947 SH   SOLE 0 433 0 0
CubeSmart com 229663109 2,569 64,132 SH   SOLE 0 2,569 0 0
Cummins Inc com 231021106 5,968 29,325 SH   SOLE 0 5,968 0 0
D R Horton Co com 23331A109 5,241 77,817 SH   SOLE 0 5,241 0 0
Danaher Corp Del com 235851102 398 1,540 SH   SOLE 0 398 0 0
Deere & Co com 244199105 1,060 3,176 SH   SOLE 0 1,060 0 0
Devon Energy Corp com 25179M103 590 9,810 SH   SOLE 0 590 0 0
Dick's Sporting Goods Inc. com 253393102 5,093 48,668 SH   SOLE 0 5,093 0 0
Discover Financial Services com 254709108 2,789 30,671 SH   SOLE 0 2,789 0 0
Disney Walt Hldg Co com 254687106 489 5,189 SH   SOLE 0 489 0 0
DoubleLine Income Solutions Fund com 258622109 733 67,865 SH   SOLE 0 733 0 0
Dover Corporation com 260003108 419 3,592 SH   SOLE 0 419 0 0
EastGroup Properties Inc. com 277276101 336 2,328 SH   SOLE 0 336 0 0
Eaton Corporation plc com G29183103 2,828 21,203 SH   SOLE 0 2,828 0 0
Edison International com 281020107 374 6,612 SH   SOLE 0 374 0 0
Electronic Arts Inc. com 285512109 461 3,986 SH   SOLE 0 461 0 0
Elevance Health Inc. com 036752103 1,096 2,414 SH   SOLE 0 1,096 0 0
Emerson Electric Co com 291011104 2,758 37,667 SH   SOLE 0 2,758 0 0
Encompass Health Corp com 29261A100 1,101 24,338 SH   SOLE 0 1,101 0 0
Enhabit Inc com 29332G102 153 10,903 SH   SOLE 0 153 0 0
Entergy Corp New com 29364G103 1,121 11,138 SH   SOLE 0 1,121 0 0
EOG Resources, Inc com 26875P101 5,323 47,645 SH   SOLE 0 5,323 0 0
Equitable Holdings, Inc. com 29452E101 3,698 140,338 SH   SOLE 0 3,698 0 0
Everest Re Group Ltd com G3223R108 1,000 3,810 SH   SOLE 0 1,000 0 0
Exelon Corporation com 30161N101 3,083 82,300 SH   SOLE 0 3,083 0 0
Exxon Mobil Corporation com 30231G102 5,642 64,618 SH   SOLE 0 5,642 0 0
FedEx Corp. com 31428X106 630 4,245 SH   SOLE 0 630 0 0
Fidelity National Finl. com 31620R303 2,882 79,611 SH   SOLE 0 2,882 0 0
Fifth Third Bancorp com 316773100 3,184 99,613 SH   SOLE 0 3,184 0 0
First American Financial Corp com 31847R102 1,089 23,624 SH   SOLE 0 1,089 0 0
First Industrial Rlty Trust com 32054K103 1,596 35,606 SH   SOLE 0 1,596 0 0
First Trust Managed Municipal ETF ETF 33739N108 2,753 56,512 SH   SOLE 0 2,753 0 0
Ford Motor Company com 345370860 1,542 137,690 SH   SOLE 0 1,542 0 0
Franklin Resources Inc com 354613101 478 22,193 SH   SOLE 0 478 0 0
General Dynamics Corp com 369550108 5,806 27,364 SH   SOLE 0 5,806 0 0
General Mills Inc com 370334104 1,938 25,299 SH   SOLE 0 1,938 0 0
Gilead Sciences Inc com 375558103 375 6,072 SH   SOLE 0 375 0 0
Global X MLP & Energy Infrastructure ETF ETF 37954Y293 576 15,355 SH   SOLE 0 576 0 0
Goldman Sachs Group Inc com 38141G104 1,686 5,752 SH   SOLE 0 1,686 0 0
Group 1 Automotive, Inc. com 398905109 1,585 11,092 SH   SOLE 0 1,585 0 0
Hanesbrands Inc. com 410345102 317 45,547 SH   SOLE 0 317 0 0
Hartford Financial Services com 416515104 4,305 69,510 SH   SOLE 0 4,305 0 0
Hartford Multifactor Developed Markets ETF ETF 518416102 43,822 2,015,743 SH   SOLE 0 43,822 0 0
Hasbro Inc com 418056107 1,896 28,125 SH   SOLE 0 1,896 0 0
HCA Holdings, Inc. com 40412C101 5,209 28,339 SH   SOLE 0 5,209 0 0
Hewlett Packard Enterprise Comp com 42824C109 2,920 243,704 SH   SOLE 0 2,920 0 0
Home Depot Inc com 437076102 2,408 8,725 SH   SOLE 0 2,408 0 0
Honeywell International com 438516106 1,887 11,301 SH   SOLE 0 1,887 0 0
Host Hotels & Resorts Inc. com 44107P104 717 45,181 SH   SOLE 0 717 0 0
HP Inc. com 40434L105 3,301 132,482 SH   SOLE 0 3,301 0 0
Huntington Bancshares Incorporated com 446150104 258 19,555 SH   SOLE 0 258 0 0
Illinois Tool Works com 452308109 707 3,911 SH   SOLE 0 707 0 0
Independence Realty Trust Inc. com 45378A106 434 25,949 SH   SOLE 0 434 0 0
Infosys Limited ADR 456788108 5,309 312,826 SH   SOLE 0 5,309 0 0
Intel Corp com 458140100 3,014 116,950 SH   SOLE 0 3,014 0 0
International Paper Co com 460146103 655 20,673 SH   SOLE 0 655 0 0
Interpublic Group of Companies com 460690100 822 32,091 SH   SOLE 0 822 0 0
Intl Business Machines com 459200101 2,456 20,674 SH   SOLE 0 2,456 0 0
Invesco Emerging Mkts Sovereign Debt ETF ETF 46138E784 184 10,868 SH   SOLE 0 184 0 0
Invesco FTSE RAFI Dev Mkts ex-US ETF ETF 46138E743 583 16,630 SH   SOLE 0 583 0 0
Invesco FTSE RAFI Emerging Markets ETF ETF 46138E727 3,343 206,585 SH   SOLE 0 3,343 0 0
Invesco FTSE RAFI US 1000 ETF ETF 46137V613 372 2,680 SH   SOLE 0 372 0 0
Invitation Homes Inc. com 46187W107 486 14,406 SH   SOLE 0 486 0 0
Iron Mountain Incorporated com 46284V101 592 13,454 SH   SOLE 0 592 0 0
iShares Barclays TIPS Bond ETF 464287176 1,283 12,227 SH   SOLE 0 1,283 0 0
iShares Core MSCI EAFE ETF ETF 46432F842 883 16,766 SH   SOLE 0 883 0 0
iShares Core MSCI Emerging Markets ETF ETF 46434G103 283 6,584 SH   SOLE 0 283 0 0
iShares Core S&P 500 ETF ETF 464287200 489 1,362 SH   SOLE 0 489 0 0
iShares Core S&P Mid-Cap ETF ETF 464287507 237 1,080 SH   SOLE 0 237 0 0
iShares Edge MSCI Mltfct USA SmCp ETF ETF 46434V290 1,070 23,895 SH   SOLE 0 1,070 0 0
iShares Edge MSCI Multifactor Intl ETF ETF 46434V274 8,974 428,572 SH   SOLE 0 8,974 0 0
iShares Edge MSCI Multifactor USA ETF ETF 46434V282 7,097 195,951 SH   SOLE 0 7,097 0 0
iShares Emerging Markets Local Currency Bond ETF ETF 464286517 1,958 60,614 SH   SOLE 0 1,958 0 0
iShares Global Clean Energy ETF ETF 464288224 269 14,101 SH   SOLE 0 269 0 0
iShares JPMorgan USD Emerg Markets Bond ETF ETF 464288281 9,600 120,909 SH   SOLE 0 9,600 0 0
iShares MBS Bond ETF ETF 464288588 13,909 151,874 SH   SOLE 0 13,909 0 0
iShares MSCI EAFE ETF ETF 464287465 1,823 32,551 SH   SOLE 0 1,823 0 0
iShares MSCI EAFE Min Volatility ETF ETF 46429B689 1,584 27,777 SH   SOLE 0 1,584 0 0
iShares MSCI Emerging Markets Index ETF ETF 464287234 316 9,056 SH   SOLE 0 316 0 0
iShares Natl Amt-Free Muni Bond ETF ETF 464288414 4,277 41,690 SH   SOLE 0 4,277 0 0
iShares Russell 1000 ETF ETF 464287622 320 1,622 SH   SOLE 0 320 0 0
iShares Russell 1000 Growth ETF ETF 464287614 217 1,031 SH   SOLE 0 217 0 0
iShares Russell Mid-cap Value ETF ETF 464287473 355 3,693 SH   SOLE 0 355 0 0
iShares S&P Mid-Cap 400 Value ETF ETF 464287705 354 3,930 SH   SOLE 0 354 0 0
iShares S&P Small-Cap ETF ETF 464287804 358 4,103 SH   SOLE 0 358 0 0
iShares Short-Term National Muni Bond ETF ETF 464288158 470 4,575 SH   SOLE 0 470 0 0
J M Smuckers Co com 832696405 3,523 25,639 SH   SOLE 0 3,523 0 0
J P Morgan Chase & Co. com 46625H100 5,471 52,351 SH   SOLE 0 5,471 0 0
Jabil Circuit Inc. com 466313103 2,134 36,984 SH   SOLE 0 2,134 0 0
Johnson & Johnson com 478160104 7,371 45,118 SH   SOLE 0 7,371 0 0
JPMorgan Diversified Return U.S. Equity ETF ETF 46641Q407 269 3,142 SH   SOLE 0 269 0 0
JPMorgan Ultra-Short Income ETF ETF 46641Q837 3,602 71,814 SH   SOLE 0 3,602 0 0
Juniper Networks Inc com 48203R104 676 25,880 SH   SOLE 0 676 0 0
K L A Tencor Corp com 482480100 308 1,017 SH   SOLE 0 308 0 0
Kellogg Company com 487836108 361 5,189 SH   SOLE 0 361 0 0
Keycorp Inc New com 493267108 997 62,235 SH   SOLE 0 997 0 0
Kilroy Realty Corp com 49427F108 1,910 45,362 SH   SOLE 0 1,910 0 0
Kimberly-Clark Corp com 494368103 595 5,286 SH   SOLE 0 595 0 0
Kimco Realty Corp com 49446R109 223 12,092 SH   SOLE 0 223 0 0
Kinder Morgan, Inc. com 49456B101 2,142 128,715 SH   SOLE 0 2,142 0 0
Kite Realty Group com 49803T300 587 34,088 SH   SOLE 0 587 0 0
Kroger Company com 501044101 9,091 207,800 SH   SOLE 0 9,091 0 0
Lab Cp Of Amer Hldg New com 50540R409 1,707 8,334 SH   SOLE 0 1,707 0 0
Lamar Advertising Co A com 512816109 1,903 23,071 SH   SOLE 0 1,903 0 0
Leidos Holdings Inc com 525327102 1,267 14,483 SH   SOLE 0 1,267 0 0
Lennar Corp Cl A com 526057104 1,383 18,548 SH   SOLE 0 1,383 0 0
Lexington Realty Trust com 529043101 1,427 155,793 SH   SOLE 0 1,427 0 0
Life Storage Inc. com 53223X107 2,333 21,061 SH   SOLE 0 2,333 0 0
LKQ Corp. com 501889208 4,021 85,289 SH   SOLE 0 4,021 0 0
Lockheed Martin Corp com 539830109 2,751 7,122 SH   SOLE 0 2,751 0 0
Louisiana-Pacific Corp com 546347105 446 8,717 SH   SOLE 0 446 0 0
Lowes Companies Inc com 548661107 4,254 22,649 SH   SOLE 0 4,254 0 0
LyondellBasell Industrials NV com N53745100 2,962 39,342 SH   SOLE 0 2,962 0 0
M&T Bank Corporation com 55261F104 2,060 11,684 SH   SOLE 0 2,060 0 0
Manulife Financial Corporation com 56501R106 2,126 135,690 SH   SOLE 0 2,126 0 0
Marathon Petroleum Corporation com 56585A102 1,468 14,782 SH   SOLE 0 1,468 0 0
Masco Corporation com 574599106 941 20,163 SH   SOLE 0 941 0 0
Mastercard Incorporated com 57636Q104 265 932 SH   SOLE 0 265 0 0
McDonald's Corp. com 580135101 2,046 8,866 SH   SOLE 0 2,046 0 0
McKesson HBOC Inc com 58155Q103 8,064 23,726 SH   SOLE 0 8,064 0 0
MDU Resources Group, Inc. com 552690109 1,443 52,776 SH   SOLE 0 1,443 0 0
Medtronic PLC com G5960L103 831 10,285 SH   SOLE 0 831 0 0
Merck & Co Inc com 58933Y105 2,963 34,407 SH   SOLE 0 2,963 0 0
Meta Platforms, Inc. com 30303M102 3,142 23,160 SH   SOLE 0 3,142 0 0
Metlife Inc com 59156R108 5,259 86,523 SH   SOLE 0 5,259 0 0
Microchip Technology Inc com 595017104 471 7,723 SH   SOLE 0 471 0 0
Microsoft Corp com 594918104 16,251 69,775 SH   SOLE 0 16,251 0 0
Moderna Inc com 60770K107 537 4,539 SH   SOLE 0 537 0 0
Morgan Stanley com 617446448 2,466 31,209 SH   SOLE 0 2,466 0 0
National Fuel Gas Co com 636180101 519 8,425 SH   SOLE 0 519 0 0
Network Appliance Inc com 64110D104 3,035 49,078 SH   SOLE 0 3,035 0 0
Newmont Mining Corp com 651639106 307 7,303 SH   SOLE 0 307 0 0
Nexstar Media Group com 65336K103 5,117 30,671 SH   SOLE 0 5,117 0 0
Norfolk Southern Corp com 655844108 283 1,349 SH   SOLE 0 283 0 0
Northrop Grumman Corp com 666807102 1,694 3,602 SH   SOLE 0 1,694 0 0
NortonLifeLock Inc. com 668771108 520 25,831 SH   SOLE 0 520 0 0
Novartis A G Spon Adr ADR 66987V109 245 3,225 SH   SOLE 0 245 0 0
NRG Energy, Inc com 629377508 1,344 35,112 SH   SOLE 0 1,344 0 0
Nucor Corp com 670346105 3,907 36,518 SH   SOLE 0 3,907 0 0
Nutrien Ltd. com 67077M108 2,181 26,153 SH   SOLE 0 2,181 0 0
Old Republic International Corporation com 680223104 312 14,891 SH   SOLE 0 312 0 0
Omega Healthcare Investors Inc. com 681936100 3,879 131,538 SH   SOLE 0 3,879 0 0
Omnicom Group Inc com 681919106 3,293 52,197 SH   SOLE 0 3,293 0 0
OneMain Holdings, Inc. com 68268W103 422 14,286 SH   SOLE 0 422 0 0
ONEOK Inc com 682680103 524 10,220 SH   SOLE 0 524 0 0
Oracle Corporation com 68389X105 9,542 156,248 SH   SOLE 0 9,542 0 0
Organon & Co. Common Stock com 68622V106 750 32,032 SH   SOLE 0 750 0 0
Otis Worldwide Corp com 68902V107 299 4,679 SH   SOLE 0 299 0 0
Otter Tail Corporation com 689648103 639 10,393 SH   SOLE 0 639 0 0
Outfront Media Inc com 69007J106 1,430 94,145 SH   SOLE 0 1,430 0 0
Ovintiv Inc. com 69047Q102 1,245 27,060 SH   SOLE 0 1,245 0 0
Owens Corning Inc. com 690742101 2,474 31,477 SH   SOLE 0 2,474 0 0
Oxford Industries, Inc. com 691497309 479 5,340 SH   SOLE 0 479 0 0
PACCAR Inc com 693718108 2,816 33,648 SH   SOLE 0 2,816 0 0
Pacer Benchmark Data & Infrastructure Real Estate ETF com 69374H741 9,885 345,273 SH   SOLE 0 9,885 0 0
Paramount Global com 92556H206 376 19,723 SH   SOLE 0 376 0 0
Patterson Companies Inc. com 703395103 1,418 59,041 SH   SOLE 0 1,418 0 0
PDC Energy, Inc. com 69327R101 531 9,183 SH   SOLE 0 531 0 0
PennyMac Financial Services, Inc. com 70932M107 286 6,661 SH   SOLE 0 286 0 0
PepsiCo Incorporated com 713448108 1,231 7,543 SH   SOLE 0 1,231 0 0
Petroleo Brasileiro ADR 71654V408 2,981 241,577 SH   SOLE 0 2,981 0 0
Pfizer Incorporated com 717081103 10,287 235,085 SH   SOLE 0 10,287 0 0
Phillips 66 com 718546104 300 3,722 SH   SOLE 0 300 0 0
Piedmont Office Realty Trust, Inc. com 720190206 1,459 138,130 SH   SOLE 0 1,459 0 0
PIMCO Intermediate Muni Bond Strgy ETF ETF 72201R866 3,909 77,989 SH   SOLE 0 3,909 0 0
Pioneer Natural Resources Co. com 723787107 381 1,759 SH   SOLE 0 381 0 0
Plymouth Industrial REIT, Inc. com 729640102 267 15,855 SH   SOLE 0 267 0 0
PNC Financial Services com 693475105 603 4,037 SH   SOLE 0 603 0 0
Polaris Industries Inc. com 731068102 358 3,746 SH   SOLE 0 358 0 0
Popular Inc com 733174700 1,162 16,128 SH   SOLE 0 1,162 0 0
Potlatch Corporation com 737630103 2,904 70,769 SH   SOLE 0 2,904 0 0
PPG Industries Inc com 693506107 216 1,954 SH   SOLE 0 216 0 0
Premier, Inc. com 74051N102 828 24,405 SH   SOLE 0 828 0 0
Principal Financial Group Inc. com 74251V102 1,059 14,678 SH   SOLE 0 1,059 0 0
Procter & Gamble com 742718109 9,398 74,443 SH   SOLE 0 9,398 0 0
Progressive Corp. com 743315103 1,256 10,808 SH   SOLE 0 1,256 0 0
Prudential Financial Inc com 744320102 2,796 32,599 SH   SOLE 0 2,796 0 0
Pub Svc Enterprise Group com 744573106 312 5,556 SH   SOLE 0 312 0 0
PulteGroup Inc com 745867101 3,251 86,696 SH   SOLE 0 3,251 0 0
Qualcomm Inc com 747525103 904 7,998 SH   SOLE 0 904 0 0
Quest Diagnostic Inc com 74834L100 3,482 28,379 SH   SOLE 0 3,482 0 0
Raytheon Technologies Co com 75513E101 887 10,835 SH   SOLE 0 887 0 0
Regions Financial Cp New com 7591EP100 3,184 158,631 SH   SOLE 0 3,184 0 0
Reliance Steel & Aluminum Co com 759509102 1,538 8,816 SH   SOLE 0 1,538 0 0
RLJ Lodging Trust com 74965L101 2,492 246,260 SH   SOLE 0 2,492 0 0
Schwab Emerging Mkts Equity ETF ETF 808524706 736 32,864 SH   SOLE 0 736 0 0
Schwab Fundamental Emerg Mkts Lg Co ETF ETF 808524730 35,608 1,519,133 SH   SOLE 0 35,608 0 0
Schwab Fundamental Intl Lg Co ETF ETF 808524755 57,749 2,296,202 SH   SOLE 0 57,749 0 0
Schwab Fundamental US Large Company ETF ETF 808524771 4,255 89,085 SH   SOLE 0 4,255 0 0
Schwab Fundamental US Small Company ETF ETF 808524763 10,945 257,411 SH   SOLE 0 10,945 0 0
Schwab Intermediate-Term U.S. Trsy ETF ETF 808524854 21,310 433,656 SH   SOLE 0 21,310 0 0
Schwab International Equity ETF ETF 808524805 42,108 1,496,895 SH   SOLE 0 42,108 0 0
Schwab Short-Term U.S. Treasury ETF ETF 808524862 264 5,466 SH   SOLE 0 264 0 0
Schwab U.S. Dividend Equity ETF ETF 808524797 240 3,614 SH   SOLE 0 240 0 0
Schwab U.S. REIT ETF ETF 808524847 16,612 888,801 SH   SOLE 0 16,612 0 0
Schwab U.S. Small-Cap ETF ETF 808524607 249 6,591 SH   SOLE 0 249 0 0
Schwab US Broad Mkt ETF ETF 808524102 410 9,761 SH   SOLE 0 410 0 0
Schwab US Large-Cap Value ETF ETF 808524409 248 4,246 SH   SOLE 0 248 0 0
Schwab US TIPS ETF ETF 808524870 16,993 328,047 SH   SOLE 0 16,993 0 0
Seagate Technology PLC F com G7997R103 3,918 73,614 SH   SOLE 0 3,918 0 0
Select Medical Holdings Corp com 81619Q105 422 19,090 SH   SOLE 0 422 0 0
Shell plc com 780259305 1,902 38,225 SH   SOLE 0 1,902 0 0
Simon Ppty Group New com 828806109 2,239 24,944 SH   SOLE 0 2,239 0 0
Snap On Inc com 833034101 2,884 14,322 SH   SOLE 0 2,884 0 0
SPDR Barclays Cap Interm Term Corp Bond ETF ETF 78464A375 5,638 179,998 SH   SOLE 0 5,638 0 0
SPDR Portfolio High Yield Bond ETF ETF 78468R606 272 12,485 SH   SOLE 0 272 0 0
SPDR Portfolio Mortgage Backed Bond ETF ETF 78464A383 388 18,070 SH   SOLE 0 388 0 0
Sprouts Farmers Market com 85208M102 649 23,401 SH   SOLE 0 649 0 0
STAG Industrial, Inc. com 85254J102 2,530 89,006 SH   SOLE 0 2,530 0 0
State Street Corp com 857477103 288 4,735 SH   SOLE 0 288 0 0
Steel Dynamics, Inc. com 858119100 2,096 29,548 SH   SOLE 0 2,096 0 0
Store Capital Corporation com 862121100 1,715 54,740 SH   SOLE 0 1,715 0 0
Sun Communities Inc com 866674104 654 4,836 SH   SOLE 0 654 0 0
SYNNEX Corp. com 87162W100 330 4,061 SH   SOLE 0 330 0 0
Target Corporation com 87612E106 8,869 59,771 SH   SOLE 0 8,869 0 0
TE Connectivity Ltd. com H84989104 826 7,484 SH   SOLE 0 826 0 0
Technology Select Sector SPDR ETF ETF 81369Y803 211 1,773 SH   SOLE 0 211 0 0
TEGNA, Inc. com 87901J105 401 19,396 SH   SOLE 0 401 0 0
Texas Instruments Inc com 882508104 5,645 36,470 SH   SOLE 0 5,645 0 0
The Andersons Inc. com 034164103 633 20,408 SH   SOLE 0 633 0 0
The Hanover Insurance Group Inc. com 410867105 567 4,425 SH   SOLE 0 567 0 0
The Kraft Heinz Company com 500754106 1,282 38,439 SH   SOLE 0 1,282 0 0
The Macerich Co com 554382101 664 83,633 SH   SOLE 0 664 0 0
The Necessity Retail REIT, Inc. com 02607T109 832 141,507 SH   SOLE 0 832 0 0
The Real Estate Select Sector SPDR Fund com 81369Y860 2,271 63,076 SH   SOLE 0 2,271 0 0
Thermo Fisher Scientific Inc. com 883556102 3,963 7,813 SH   SOLE 0 3,963 0 0
TJX Cos Inc com 872540109 1,275 20,526 SH   SOLE 0 1,275 0 0
Toronto-Dominion Bank com 891160509 2,491 40,611 SH   SOLE 0 2,491 0 0
Tortoise North American Pipeline Fund com 56167N720 15,006 649,603 SH   SOLE 0 15,006 0 0
TotalEnergies SE com 89151E109 1,617 34,753 SH   SOLE 0 1,617 0 0
Toyota Motor Corporation ADR 892331307 6,948 53,325 SH   SOLE 0 6,948 0 0
Travel & Leisure Co. com 894164102 226 6,627 SH   SOLE 0 226 0 0
Travelers Companies Inc com 89417E109 3,519 22,968 SH   SOLE 0 3,519 0 0
Triton International Limited com G9078F107 2,967 54,212 SH   SOLE 0 2,967 0 0
Twenty-First Century Fox, Inc. Cl A com 35137L105 3,190 103,992 SH   SOLE 0 3,190 0 0
Tyson Foods Inc com 902494103 4,519 68,548 SH   SOLE 0 4,519 0 0
UGI Corporation New com 902681105 4,898 151,505 SH   SOLE 0 4,898 0 0
Union Pacific com 907818108 4,131 21,203 SH   SOLE 0 4,131 0 0
United Natural Foods, Inc com 911163103 231 6,708 SH   SOLE 0 231 0 0
United Parcel Service, Inc. com 911312106 1,046 6,478 SH   SOLE 0 1,046 0 0
United Rentals, Inc. com 911363109 1,542 5,710 SH   SOLE 0 1,542 0 0
UnitedHealth Group Inc. com 91324P102 3,756 7,437 SH   SOLE 0 3,756 0 0
Uniti Group Inc. com 91325V108 2,799 402,677 SH   SOLE 0 2,799 0 0
Unum Group com 91529Y106 2,538 65,408 SH   SOLE 0 2,538 0 0
US Bancorp com 902973304 2,495 61,891 SH   SOLE 0 2,495 0 0
Valero Energy Corp New com 91913Y100 574 5,368 SH   SOLE 0 574 0 0
VanEck Vectors High-Yield Muni ETF ETF 92189H409 1,308 26,201 SH   SOLE 0 1,308 0 0
VanEck Vectors Intermediate Muni ETF ETF 92189H201 576 13,237 SH   SOLE 0 576 0 0
Vanguard Dividend Appreciation ETF ETF 921908844 582 4,308 SH   SOLE 0 582 0 0
Vanguard Emerging Markets Stock ETF ETF 922042858 259 7,102 SH   SOLE 0 259 0 0
Vanguard Interm-Tm Govt Bd Inx ETF ETF 92206C706 9,440 161,891 SH   SOLE 0 9,440 0 0
Vanguard Reit Index ETF ETF 922908553 5,376 67,060 SH   SOLE 0 5,376 0 0
Vanguard Russell 1000 ETF ETF 92206C730 3,160 19,340 SH   SOLE 0 3,160 0 0
Vanguard S&P 500 ETF ETF 922908363 308 938 SH   SOLE 0 308 0 0
Vanguard Small Cap Value ETF ETF 922908611 8,484 59,163 SH   SOLE 0 8,484 0 0
Vanguard Tax-Exempt Bond Index ETF ETF 922907746 9,793 203,435 SH   SOLE 0 9,793 0 0
Vanguard Total Bond Market ETF ETF 921937835 5,955 83,480 SH   SOLE 0 5,955 0 0
Vanguard Total Stock Market ETF ETF 922908769 503 2,802 SH   SOLE 0 503 0 0
Vanguard Ultra-Short Bond ETF Shares ETF 92203C303 224 4,568 SH   SOLE 0 224 0 0
Vanguard Value ETF ETF 922908744 683 5,534 SH   SOLE 0 683 0 0
Verizon Communications com 92343V104 7,595 200,028 SH   SOLE 0 7,595 0 0
Visa, Inc. com 92826C839 273 1,534 SH   SOLE 0 273 0 0
Vishay Intertechnology Inc. com 928298108 1,946 109,379 SH   SOLE 0 1,946 0 0
Walgreens Boots Alliance Inc. com 931427108 1,078 34,334 SH   SOLE 0 1,078 0 0
Wal-Mart Stores Inc com 931142103 8,953 69,028 SH   SOLE 0 8,953 0 0
Warner Brothers Discover com 934423104 137 11,873 SH   SOLE 0 137 0 0
Weyerhaeuser Co com 962166104 3,032 106,155 SH   SOLE 0 3,032 0 0
Whirlpool Corp com 963320106 2,159 16,015 SH   SOLE 0 2,159 0 0
Williams Sonoma com 969904101 1,572 13,338 SH   SOLE 0 1,572 0 0
Ziff Davis, Inc. com 48123V102 509 7,434 SH   SOLE 0 509 0 0