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   47,635 247,415 SH   SOLE 0 47,635 0 0
AbbVie Inc. com 00287Y109   9,104 58,749 SH   SOLE 0 9,104 0 0
Abbott Laboratories com 002824100   453 4,115 SH   SOLE 0 453 0 0
Accenture Ltd Cl A com G1151C101   5,323 15,170 SH   SOLE 0 5,323 0 0
Archer-Daniels-Midland Co. com 039483102   3,869 53,568 SH   SOLE 0 3,869 0 0
Automatic Data Processing, Inc. com 053015103   1,528 6,557 SH   SOLE 0 1,528 0 0
American Electric Power Co., Inc com 025537101   219 2,700 SH   SOLE 0 219 0 0
AES Corporation com 00130H105   735 38,200 SH   SOLE 0 735 0 0
American Financial Group com 025932104   248 2,083 SH   SOLE 0 248 0 0
AFLAC Inc com 001055102   9,320 112,966 SH   SOLE 0 9,320 0 0
Armada Hoffler Properties, Inc. com 04208T108   418 33,828 SH   SOLE 0 418 0 0
American Intl Group Inc com 026874784   1,309 19,326 SH   SOLE 0 1,309 0 0
Allison Transmission Holdings, INc. com 01973R101   3,837 65,977 SH   SOLE 0 3,837 0 0
Applied Materials Inc com 038222105   1,822 11,241 SH   SOLE 0 1,822 0 0
Amgen Incorporated com 031162100   10,808 37,525 SH   SOLE 0 10,808 0 0
Amkor Technology Inc com 031652100   1,068 32,115 SH   SOLE 0 1,068 0 0
Ameriprise Financial, Inc. com 03076C106   10,431 27,461 SH   SOLE 0 10,431 0 0
American Tower Corporation com 03027X100   440 2,040 SH   SOLE 0 440 0 0
Amazon.com Inc. com 023135106   293 1,925 SH   SOLE 0 293 0 0
Autonation Inc. com 05329W102   217 1,447 SH   SOLE 0 217 0 0
The Andersons Inc. com 034164103   741 12,874 SH   SOLE 0 741 0 0
Arrow Electronics, Inc. com 042735100   1,045 8,552 SH   SOLE 0 1,045 0 0
Academy Sports and Outdoors, Inc. com 00402L107   1,263 19,133 SH   SOLE 0 1,263 0 0
Avantis Emerging Markets Equity ETF ETF 025072604   31,537 559,267 SH   SOLE 0 31,537 0 0
Broadcom Limited com 11135F101   6,336 5,676 SH   SOLE 0 6,336 0 0
Avnet, Inc. com 053807103   6,207 123,152 SH   SOLE 0 6,207 0 0
Avantis US Small Cap Value ETF com 025072877   3,355 37,358 SH   SOLE 0 3,355 0 0
American Express Company com 025816109   293 1,564 SH   SOLE 0 293 0 0
AutoZone Inc com 053332102   2,430 940 SH   SOLE 0 2,430 0 0
Bank of America Corp com 060505104   512 15,200 SH   SOLE 0 512 0 0
Booz Allen Hamilton Holdings Corporation com 099502106   1,138 8,893 SH   SOLE 0 1,138 0 0
Best Buy Inc com 086516101   4,343 55,486 SH   SOLE 0 4,343 0 0
Brunswick Corporation com 117043109   727 7,515 SH   SOLE 0 727 0 0
Belden Inc com 077454106   2,299 29,761 SH   SOLE 0 2,299 0 0
Becton Dickinson & Co com 075887109   2,485 10,191 SH   SOLE 0 2,485 0 0
Franklin Resources Inc com 354613101   784 26,327 SH   SOLE 0 784 0 0
Bunge Ltd. com G16962105   2,279 22,577 SH   SOLE 0 2,279 0 0
BlackRock, Inc com 09247X101   267 329 SH   SOLE 0 267 0 0
Bloomin' Brands, Inc. com 094235108   446 15,854 SH   SOLE 0 446 0 0
Bank of Montreal com 063671101   762 7,703 SH   SOLE 0 762 0 0
Bristol-Myers Squibb Co com 110122108   1,750 34,112 SH   SOLE 0 1,750 0 0
Vanguard Total Bond Market ETF ETF 921937835   4,643 63,123 SH   SOLE 0 4,643 0 0
BP PLC Adr ADR 055622104   901 25,449 SH   SOLE 0 901 0 0
Popular Inc com 733174700   828 10,087 SH   SOLE 0 828 0 0
Berkshire Hathaway Cl B com 084670702   363 1,019 SH   SOLE 0 363 0 0
BorgWarner Inc com 099724106   669 18,652 SH   SOLE 0 669 0 0
Citigroup Inc com 172967424   382 7,430 SH   SOLE 0 382 0 0
ConAgra Brands, Inc. com 205887102   1,927 67,245 SH   SOLE 0 1,927 0 0
Cardinal Health Inc com 14149Y108   4,418 43,828 SH   SOLE 0 4,418 0 0
Carrier Global Corp com 14448C104   792 13,788 SH   SOLE 0 792 0 0
Caterpillar Inc com 149123101   5,010 16,946 SH   SOLE 0 5,010 0 0
Chubb Ltd com H1467J104   1,396 6,178 SH   SOLE 0 1,396 0 0
Cabot Corporation com 127055101   1,386 16,601 SH   SOLE 0 1,386 0 0
Century Communities, Inc com 156504300   797 8,742 SH   SOLE 0 797 0 0
COPT Defense Properties com 22002T108   518 20,193 SH   SOLE 0 518 0 0
CDW Corporation com 12514G108   5,916 26,024 SH   SOLE 0 5,916 0 0
Celanese Corporation com 150870103   331 2,130 SH   SOLE 0 331 0 0
Constellation Energy Co com 21037T109   1,727 14,777 SH   SOLE 0 1,727 0 0
Consol Energy, Inc. com 20854L108   1,748 17,391 SH   SOLE 0 1,748 0 0
CF Industries Holdings, Inc. com 125269100   552 6,948 SH   SOLE 0 552 0 0
Chord Energy Corporation com 674215207   391 2,355 SH   SOLE 0 391 0 0
Charter Communications com 16119P108   291 749 SH   SOLE 0 291 0 0
CIGNA Corp com 125523100   1,300 4,341 SH   SOLE 0 1,300 0 0
Cincinnati Financial Cp com 172062101   435 4,202 SH   SOLE 0 435 0 0
Civitas Resources, Inc. com 17888H103   1,374 20,099 SH   SOLE 0 1,374 0 0
Comcast Corp com 20030N101   4,401 100,354 SH   SOLE 0 4,401 0 0
Cummins Inc com 231021106   6,918 28,878 SH   SOLE 0 6,918 0 0
CMS Energy Corp com 125896100   554 9,548 SH   SOLE 0 554 0 0
Canadian Natl RR Co. com 136375102   609 4,851 SH   SOLE 0 609 0 0
Canadian Natural Resources Limited com 136385101   1,434 21,893 SH   SOLE 0 1,434 0 0
ConocoPhillips com 20825C104   1,500 12,925 SH   SOLE 0 1,500 0 0
Cencora, Inc. com 03073E105   1,592 7,750 SH   SOLE 0 1,592 0 0
Costco Whsl Corp New com 22160K105   335 508 SH   SOLE 0 335 0 0
Camden Property Trust com 133131102   642 6,462 SH   SOLE 0 642 0 0
Americas Car-Mart Inc com 03062T105   411 5,425 SH   SOLE 0 411 0 0
Cisco Systems Inc com 17275R102   11,136 220,422 SH   SOLE 0 11,136 0 0
Carlisle Companies Inc com 142339100   340 1,087 SH   SOLE 0 340 0 0
Coterra Energy Inc. com 127097103   793 31,055 SH   SOLE 0 793 0 0
Cognizant Technology Solutions Corp. com 192446102   3,140 41,571 SH   SOLE 0 3,140 0 0
CubeSmart com 229663109   210 4,532 SH   SOLE 0 210 0 0
C V S Caremark Corp. com 126650100   4,904 62,111 SH   SOLE 0 4,904 0 0
Chevron Corp com 166764100   4,172 27,972 SH   SOLE 0 4,172 0 0
Crane Company com 224399105   266 4,672 SH   SOLE 0 266 0 0
Deere & Co com 244199105   1,260 3,151 SH   SOLE 0 1,260 0 0
Dell Inc. com 24703L202   2,302 30,096 SH   SOLE 0 2,302 0 0
Dimensional Emerging Core Equity Market ETF ETF 25434V302   1,096 45,439 SH   SOLE 0 1,096 0 0
Dimensional Emerging Markets ETF 25434V732   307 12,289 SH   SOLE 0 307 0 0
Discover Financial Services com 254709108   4,409 39,225 SH   SOLE 0 4,409 0 0
Quest Diagnostic Inc com 74834L100   5,539 40,170 SH   SOLE 0 5,539 0 0
D R Horton Co com 23331A109   10,760 70,797 SH   SOLE 0 10,760 0 0
Danaher Corp Del com 235851102   366 1,582 SH   SOLE 0 366 0 0
Disney Walt Hldg Co com 254687106   278 3,074 SH   SOLE 0 278 0 0
Dick's Sporting Goods Inc. com 253393102   6,555 44,606 SH   SOLE 0 6,555 0 0
Dover Corporation com 260003108   412 2,679 SH   SOLE 0 412 0 0
Amdocs Limited Common Stock com G02602103   2,298 26,143 SH   SOLE 0 2,298 0 0
DoubleLine Income Solutions Fund com 258622109   811 66,254 SH   SOLE 0 811 0 0
Electronic Arts Inc. com 285512109   1,255 9,174 SH   SOLE 0 1,255 0 0
Consolidated Edison com 209115104   365 4,010 SH   SOLE 0 365 0 0
iShares MSCI Emerging Markets Index ETF ETF 464287234   2,253 56,027 SH   SOLE 0 2,253 0 0
iShares MSCI EAFE ETF ETF 464287465   11,450 151,962 SH   SOLE 0 11,450 0 0
iShares MSCI EAFE Min Volatility ETF ETF 46429B689   1,256 18,109 SH   SOLE 0 1,256 0 0
Everest Group Ltd com G3223R108   4,496 12,715 SH   SOLE 0 4,496 0 0
EastGroup Properties Inc. com 277276101   279 1,521 SH   SOLE 0 279 0 0
Encompass Health Corp com 29261A100   1,474 22,096 SH   SOLE 0 1,474 0 0
Edison International com 281020107   6,068 84,877 SH   SOLE 0 6,068 0 0
Elevance Health Inc. com 036752103   941 1,996 SH   SOLE 0 941 0 0
iShares JPMorgan USD Emerg Markets Bond ETF ETF 464288281   7,022 78,850 SH   SOLE 0 7,022 0 0
Emerson Electric Co com 291011104   311 3,197 SH   SOLE 0 311 0 0
EOG Resources, Inc com 26875P101   4,742 39,203 SH   SOLE 0 4,742 0 0
Equitable Holdings, Inc. com 29452E101   5,285 158,705 SH   SOLE 0 5,285 0 0
Equinor ASA ADR 29446M102   224 7,072 SH   SOLE 0 224 0 0
Eaton Corporation plc com G29183103   3,831 15,907 SH   SOLE 0 3,831 0 0
Entergy Corp New com 29364G103   1,047 10,351 SH   SOLE 0 1,047 0 0
Evercore Partners Inc. com 29977A105   1,121 6,553 SH   SOLE 0 1,121 0 0
Exelon Corporation com 30161N101   1,709 47,591 SH   SOLE 0 1,709 0 0
Expeditors International of Washington Inc. com 302130109   2,453 19,285 SH   SOLE 0 2,453 0 0
Extra Space Storage Inc. com 30225T102   697 4,350 SH   SOLE 0 697 0 0
Cambria Emerging Shareholder Yield ETF ETF 132061706   20,401 650,736 SH   SOLE 0 20,401 0 0
Ford Motor Company com 345370860   886 72,646 SH   SOLE 0 886 0 0
First American Financial Corp com 31847R102   251 3,891 SH   SOLE 0 251 0 0
Diamondback Energy, Inc. com 25278X109   980 6,317 SH   SOLE 0 980 0 0
FedEx Corp. com 31428X106   854 3,374 SH   SOLE 0 854 0 0
Fiserv, Inc. com 337738108   459 3,454 SH   SOLE 0 459 0 0
Fifth Third Bancorp com 316773100   720 20,864 SH   SOLE 0 720 0 0
First Trust Managed Municipal ETF ETF 33739N108   2,032 39,322 SH   SOLE 0 2,032 0 0
Schwab Fundamental US Small Company ETF ETF 808524763   13,739 248,219 SH   SOLE 0 13,739 0 0
Schwab Fundamental US Broad Mkt ETF ETF 808524789   205 3,356 SH   SOLE 0 205 0 0
Schwab Fundamental Emerg Mkts Lg Co ETF ETF 808524730   37,359 1,376,523 SH   SOLE 0 37,359 0 0
Schwab Fundamental Intl Lg Co ETF ETF 808524755   76,722 2,274,585 SH   SOLE 0 76,722 0 0
Schwab Fundamental US Large Company ETF ETF 808524771   5,719 92,326 SH   SOLE 0 5,719 0 0
Fidelity National Finl. com 31620R303   3,037 59,533 SH   SOLE 0 3,037 0 0
Twenty-First Century Fox, Inc. Cl A com 35137L105   5,201 175,288 SH   SOLE 0 5,201 0 0
First Industrial Rlty Trust com 32054K103   220 4,177 SH   SOLE 0 220 0 0
Fidelity MSCI Real Estate Index ETF ETF 316092857   659 24,730 SH   SOLE 0 659 0 0
General Dynamics Corp com 369550108   6,716 25,865 SH   SOLE 0 6,716 0 0
VanEck Vectors Gold Miners ETF ETF 92189F106   282 9,106 SH   SOLE 0 282 0 0
VanEck Vectors Junior Gold Miners ETF ETF 92189F791   534 14,095 SH   SOLE 0 534 0 0
Greif Inc Cl A com 397624107   325 4,961 SH   SOLE 0 325 0 0
NortonLifeLock Inc. com 668771108   276 12,099 SH   SOLE 0 276 0 0
Gilead Sciences Inc com 375558103   471 5,817 SH   SOLE 0 471 0 0
General Mills Inc com 370334104   1,910 29,317 SH   SOLE 0 1,910 0 0
Corning Inc com 219350105   4,204 138,064 SH   SOLE 0 4,204 0 0
Alphabet Inc Class C com 02079K107   14,132 100,280 SH   SOLE 0 14,132 0 0
Alphabet Inc Class A com 02079K305   1,210 8,659 SH   SOLE 0 1,210 0 0
iShares Trust - U.S. Treasury Bond ETF iShares 46429B267   892 38,709 SH   SOLE 0 892 0 0
Genuine Parts Co com 372460105   444 3,209 SH   SOLE 0 444 0 0
Group 1 Automotive, Inc. com 398905109   3,522 11,558 SH   SOLE 0 3,522 0 0
Global Payments Inc com 37940X102   402 3,163 SH   SOLE 0 402 0 0
Goldman Sachs Group Inc com 38141G104   3,048 7,900 SH   SOLE 0 3,048 0 0
W.W. Grainger, Inc. com 384802104   291 351 SH   SOLE 0 291 0 0
Hasbro Inc com 418056107   578 11,330 SH   SOLE 0 578 0 0
Huntington Bancshares Incorporated com 446150104   268 21,104 SH   SOLE 0 268 0 0
HCA Holdings, Inc. com 40412C101   9,220 34,061 SH   SOLE 0 9,220 0 0
Home Depot Inc com 437076102   2,811 8,110 SH   SOLE 0 2,811 0 0
Hartford Financial Services com 416515104   8,415 104,690 SH   SOLE 0 8,415 0 0
Honda Motor Co Adr com 438128308   2,997 96,964 SH   SOLE 0 2,997 0 0
Honeywell International com 438516106   1,953 9,312 SH   SOLE 0 1,953 0 0
Hewlett Packard Enterprise Comp com 42824C109   6,740 396,939 SH   SOLE 0 6,740 0 0
HP Inc. com 40434L105   4,935 163,997 SH   SOLE 0 4,935 0 0
Host Hotels & Resorts Inc. com 44107P104   382 19,599 SH   SOLE 0 382 0 0
Hubbell Inc Class B com 443510607   235 713 SH   SOLE 0 235 0 0
VanEck Vectors High-Yield Muni ETF ETF 92189H409   834 16,160 SH   SOLE 0 834 0 0
SPDR Nuveen S&P High Yield Muni Bond ETF ETF 78464A284   253 10,005 SH   SOLE 0 253 0 0
Intl Business Machines com 459200101   5,599 34,235 SH   SOLE 0 5,599 0 0
iShares Global Clean Energy ETF ETF 464288224   295 18,926 SH   SOLE 0 295 0 0
iShares Core MSCI EAFE ETF ETF 46432F842   1,157 16,446 SH   SOLE 0 1,157 0 0
iShares Core MSCI Emerging Markets ETF ETF 46434G103   269 5,312 SH   SOLE 0 269 0 0
iShares Core S&P Mid-Cap ETF ETF 464287507   343 1,238 SH   SOLE 0 343 0 0
iShares S&P Mid-Cap 400 Value ETF ETF 464287705   404 3,540 SH   SOLE 0 404 0 0
iShares S&P Small-Cap ETF ETF 464287804   397 3,663 SH   SOLE 0 397 0 0
iShares S&P Small-Cap 600 Value ETF ETF 464287879   235 2,277 SH   SOLE 0 235 0 0
Infosys Limited ADR 456788108   3,174 172,699 SH   SOLE 0 3,174 0 0
Ingredion Incorporated com 457187102   873 8,047 SH   SOLE 0 873 0 0
Intel Corp com 458140100   319 6,346 SH   SOLE 0 319 0 0
iShares Edge MSCI Multifactor Intl ETF ETF 46434V274   16,587 591,761 SH   SOLE 0 16,587 0 0
Interpublic Group of Companies com 460690100   1,035 31,695 SH   SOLE 0 1,035 0 0
Iron Mountain Incorporated com 46284V101   478 6,827 SH   SOLE 0 478 0 0
VanEck Vectors Intermediate Muni ETF ETF 92189H201   352 7,494 SH   SOLE 0 352 0 0
Illinois Tool Works com 452308109   1,059 4,043 SH   SOLE 0 1,059 0 0
iShares Core S&P 500 ETF ETF 464287200   537 1,124 SH   SOLE 0 537 0 0
iShares Russell 1000 ETF ETF 464287622   330 1,257 SH   SOLE 0 330 0 0
iShares Russell 1000 Growth ETF iShares 464287614   272 897 SH   SOLE 0 272 0 0
iShares Russell Mid-cap Value ETF ETF 464287473   267 2,297 SH   SOLE 0 267 0 0
Jabil Circuit Inc. com 466313103   5,767 45,266 SH   SOLE 0 5,767 0 0
Janus Henderson Mortgage-Backed ETF ETF 47103U852   23,027 501,242 SH   SOLE 0 23,027 0 0
Johnson & Johnson com 478160104   7,188 45,857 SH   SOLE 0 7,188 0 0
Juniper Networks Inc com 48203R104   577 19,570 SH   SOLE 0 577 0 0
J P Morgan Chase & Co. com 46625H100   10,790 63,432 SH   SOLE 0 10,790 0 0
JPMorgan Ultra-Short Income ETF ETF 46641Q837   6,159 122,624 SH   SOLE 0 6,159 0 0
JPMorgan Diversified Return U.S. Equity ETF ETF 46641Q407   454 4,421 SH   SOLE 0 454 0 0
Kellogg Company com 487836108   284 5,074 SH   SOLE 0 284 0 0
The Kraft Heinz Company com 500754106   1,750 47,330 SH   SOLE 0 1,750 0 0
K L A Tencor Corp com 482480100   637 1,096 SH   SOLE 0 637 0 0
Kimberly-Clark Corp com 494368103   529 4,357 SH   SOLE 0 529 0 0
Kinder Morgan, Inc. com 49456B101   1,739 98,559 SH   SOLE 0 1,739 0 0
Knife River Corp com 498894104   216 3,271 SH   SOLE 0 216 0 0
Coca Cola Company com 191216100   309 5,249 SH   SOLE 0 309 0 0
Kroger Company com 501044101   11,112 243,102 SH   SOLE 0 11,112 0 0
Kite Realty Group com 49803T300   344 15,064 SH   SOLE 0 344 0 0
Lamar Advertising Co A com 512816109   530 4,989 SH   SOLE 0 530 0 0
Leidos Holdings Inc com 525327102   1,577 14,569 SH   SOLE 0 1,577 0 0
iShares Emerging Markets Local Currency Bond ETF ETF 464286517   2,349 63,964 SH   SOLE 0 2,349 0 0
Lennar Corp Cl A com 526057104   3,673 24,646 SH   SOLE 0 3,673 0 0
Lab Cp Of Amer Hldg New com 50540R409   1,633 7,184 SH   SOLE 0 1,633 0 0
LKQ Corp. com 501889208   4,195 87,771 SH   SOLE 0 4,195 0 0
Eli Lilly & Company com 532457108   551 945 SH   SOLE 0 551 0 0
Lockheed Martin Corp com 539830109   4,599 10,148 SH   SOLE 0 4,599 0 0
Lowes Companies Inc com 548661107   6,528 29,331 SH   SOLE 0 6,528 0 0
Louisiana-Pacific Corp com 546347105   416 5,868 SH   SOLE 0 416 0 0
iShares Edge MSCI Multifactor USA ETF ETF 46434V282   10,674 221,041 SH   SOLE 0 10,674 0 0
LyondellBasell Industrials NV com N53745100   5,305 55,791 SH   SOLE 0 5,305 0 0
Mastercard Incorporated com 57636Q104   543 1,273 SH   SOLE 0 543 0 0
Masco Corporation com 574599106   800 11,939 SH   SOLE 0 800 0 0
iShares MBS Bond ETF ETF 464288588   3,080 32,743 SH   SOLE 0 3,080 0 0
McDonald's Corp. com 580135101   2,213 7,463 SH   SOLE 0 2,213 0 0
Microchip Technology Inc com 595017104   4,261 47,255 SH   SOLE 0 4,261 0 0
McKesson HBOC Inc com 58155Q103   10,119 21,856 SH   SOLE 0 10,119 0 0
Medtronic PLC com G5960L103   1,316 15,969 SH   SOLE 0 1,316 0 0
MDU Resources Group, Inc. com 552690109   850 42,923 SH   SOLE 0 850 0 0
Metlife Inc com 59156R108   5,573 84,269 SH   SOLE 0 5,573 0 0
Meta Platforms, Inc. com 30303M102   7,430 20,990 SH   SOLE 0 7,430 0 0
Manulife Financial Corporation com 56501R106   6,860 310,405 SH   SOLE 0 6,860 0 0
VanEck Long Muni ETF ETF 92189F536   306 16,780 SH   SOLE 0 306 0 0
Global X MLP & Energy Infrastructure ETF ETF 37954Y293   610 13,662 SH   SOLE 0 610 0 0
3M Company com 88579Y101   550 5,030 SH   SOLE 0 550 0 0
Marathon Petroleum Corporation com 56585A102   2,966 19,991 SH   SOLE 0 2,966 0 0
Merck & Co Inc com 58933Y105   5,062 46,432 SH   SOLE 0 5,062 0 0
Morgan Stanley com 617446448   1,847 19,802 SH   SOLE 0 1,847 0 0
Microsoft Corp com 594918104   22,753 60,507 SH   SOLE 0 22,753 0 0
MGIC Investment Corp com 552848103   3,740 193,902 SH   SOLE 0 3,740 0 0
iShares Natl Amt-Free Muni Bond ETF ETF 464288414   6,709 61,887 SH   SOLE 0 6,709 0 0
PIMCO Intermediate Muni Bond Strgy ETF ETF 72201R866   3,448 65,301 SH   SOLE 0 3,448 0 0
Murphy USA, Inc com 626755102   575 1,612 SH   SOLE 0 575 0 0
National Fuel Gas Co com 636180101   760 15,147 SH   SOLE 0 760 0 0
Northrop Grumman Corp com 666807102   1,545 3,300 SH   SOLE 0 1,545 0 0
Northern Oil and Gas, Inc. com 665531307   354 9,553 SH   SOLE 0 354 0 0
Norfolk Southern Corp com 655844108   256 1,085 SH   SOLE 0 256 0 0
Network Appliance Inc com 64110D104   2,951 33,474 SH   SOLE 0 2,951 0 0
Nutrien Ltd. com 67077M108   761 13,513 SH   SOLE 0 761 0 0
Nucor Corp com 670346105   5,035 28,928 SH   SOLE 0 5,035 0 0
Nvidia Corp com 67066G104   328 662 SH   SOLE 0 328 0 0
Novartis A G Spon Adr ADR 66987V109   954 9,448 SH   SOLE 0 954 0 0
Nexstar Media Group com 65336K103   5,963 38,039 SH   SOLE 0 5,963 0 0
Owens Corning Inc. com 690742101   5,565 37,540 SH   SOLE 0 5,565 0 0
OGE Energy Corp com 670837103   620 17,755 SH   SOLE 0 620 0 0
Organon & Co. Common Stock com 68622V106   477 33,111 SH   SOLE 0 477 0 0
Omega Healthcare Investors Inc. com 681936100   641 20,902 SH   SOLE 0 641 0 0
ONEOK Inc com 682680103   496 7,062 SH   SOLE 0 496 0 0
Omnicom Group Inc com 681919106   9,712 112,261 SH   SOLE 0 9,712 0 0
Oracle Corporation com 68389X105   13,684 129,793 SH   SOLE 0 13,684 0 0
Old Republic International Corporation com 680223104   280 9,515 SH   SOLE 0 280 0 0
Otis Worldwide Corp com 68902V107   337 3,770 SH   SOLE 0 337 0 0
Otter Tail Corporation com 689648103   837 9,848 SH   SOLE 0 837 0 0
Outfront Media Inc com 69007J106   151 10,810 SH   SOLE 0 151 0 0
Oxford Industries, Inc. com 691497309   978 9,776 SH   SOLE 0 978 0 0
Bank OZK com 06417N103   238 4,780 SH   SOLE 0 238 0 0
Patrick Industries Inc. com 703343103   1,429 14,241 SH   SOLE 0 1,429 0 0
Paychex Inc com 704326107   301 2,530 SH   SOLE 0 301 0 0
Prestige Brands Holdings, Inc. com 74112D101   249 4,073 SH   SOLE 0 249 0 0
Petroleo Brasileiro ADR 71654V408   3,007 188,272 SH   SOLE 0 3,007 0 0
PACCAR Inc com 693718108   8,648 88,561 SH   SOLE 0 8,648 0 0
Potlatch Corporation com 737630103   458 9,336 SH   SOLE 0 458 0 0
Patterson Companies Inc. com 703395103   2,650 93,154 SH   SOLE 0 2,650 0 0
Pub Svc Enterprise Group com 744573106   249 4,075 SH   SOLE 0 249 0 0
PepsiCo Incorporated com 713448108   1,086 6,396 SH   SOLE 0 1,086 0 0
Pfizer Incorporated com 717081103   5,400 187,554 SH   SOLE 0 5,400 0 0
Principal Financial Group Inc. com 74251V102   2,848 36,196 SH   SOLE 0 2,848 0 0
PennyMac Financial Services, Inc. com 70932M107   234 2,652 SH   SOLE 0 234 0 0
Procter & Gamble com 742718109   12,474 85,122 SH   SOLE 0 12,474 0 0
Progressive Corp. com 743315103   923 5,793 SH   SOLE 0 923 0 0
Parker-Hannifin Corporation com 701094104   280 607 SH   SOLE 0 280 0 0
PulteGroup Inc com 745867101   7,732 74,910 SH   SOLE 0 7,732 0 0
Polaris Industries Inc. com 731068102   358 3,776 SH   SOLE 0 358 0 0
Premier, Inc. com 74051N102   628 28,092 SH   SOLE 0 628 0 0
Packaging Corp of America com 695156109   209 1,283 SH   SOLE 0 209 0 0
ProLogis com 74340W103   252 1,889 SH   SOLE 0 252 0 0
Plymouth Industrial REIT, Inc. com 729640102   1,011 41,992 SH   SOLE 0 1,011 0 0
PNC Financial Services com 693475105   263 1,697 SH   SOLE 0 263 0 0
PPG Industries Inc com 693506107   250 1,673 SH   SOLE 0 250 0 0
Invesco FTSE RAFI US 1000 ETF ETF 46137V613   510 14,475 SH   SOLE 0 510 0 0
Prudential Financial Inc com 744320102   4,567 44,041 SH   SOLE 0 4,567 0 0
Phillips 66 com 718546104   549 4,125 SH   SOLE 0 549 0 0
Pioneer Natural Resources Co. com 723787107   618 2,747 SH   SOLE 0 618 0 0
Invesco FTSE RAFI Dev Mkts ex-US ETF ETF 46138E743   783 16,512 SH   SOLE 0 783 0 0
Invesco FTSE RAFI Emerging Markets ETF ETF 46138E727   3,916 205,027 SH   SOLE 0 3,916 0 0
Qualcomm Inc com 747525103   606 4,188 SH   SOLE 0 606 0 0
Invesco QQQ ETF ETF 46090E103   257 628 SH   SOLE 0 257 0 0
Regions Financial Cp New com 7591EP100   3,225 166,386 SH   SOLE 0 3,225 0 0
Reinsurance Group of America com 759351604   1,670 10,320 SH   SOLE 0 1,670 0 0
Transocean LTD. com H8817H100   79 12,475 SH   SOLE 0 79 0 0
RLJ Lodging Trust com 74965L101   202 17,244 SH   SOLE 0 202 0 0
Hartford Multifactor Developed Markets ETF ETF 518416102   49,950 1,821,649 SH   SOLE 0 49,950 0 0
Ross Stores, Inc com 778296103   229 1,658 SH   SOLE 0 229 0 0
Range Resources Corporation com 75281A109   395 12,965 SH   SOLE 0 395 0 0
Reliance Steel & Aluminum Co com 759509102   3,744 13,387 SH   SOLE 0 3,744 0 0
Republic Services, Inc com 760759100   221 1,341 SH   SOLE 0 221 0 0
Raytheon Technologies Co com 75513E101   939 11,165 SH   SOLE 0 939 0 0
Xtrackers Muni Infra Rev Bond ETF ETF 233051705   307 11,976 SH   SOLE 0 307 0 0
SBA Communications Corporation com 78410G104   245 964 SH   SOLE 0 245 0 0
Schwab U.S. Small-Cap ETF ETF 808524607   264 5,594 SH   SOLE 0 264 0 0
Schwab US Broad Mkt ETF ETF 808524102   545 9,793 SH   SOLE 0 545 0 0
Schwab U.S. Dividend Equity ETF ETF 808524797   373 4,893 SH   SOLE 0 373 0 0
Schwab Emerging Mkts Equity ETF ETF 808524706   905 36,495 SH   SOLE 0 905 0 0
Schwab International Equity ETF ETF 808524805   53,141 1,437,803 SH   SOLE 0 53,141 0 0
Schwab U.S. REIT ETF ETF 808524847   18,489 892,734 SH   SOLE 0 18,489 0 0
Schwab Short-Term U.S. Treasury ETF ETF 808524862   219 4,527 SH   SOLE 0 219 0 0
Schwab US TIPS ETF ETF 808524870   15,477 296,500 SH   SOLE 0 15,477 0 0
Schwab Intermediate-Term U.S. Trsy ETF ETF 808524854   23,565 473,959 SH   SOLE 0 23,565 0 0
Select Medical Holdings Corp com 81619Q105   305 12,968 SH   SOLE 0 305 0 0
Sprouts Farmers Market com 85208M102   1,373 28,549 SH   SOLE 0 1,373 0 0
Shell plc com 780259305   2,467 37,489 SH   SOLE 0 2,467 0 0
VanEck Short High Yield Muni ETF ETF 92189F387   288 13,030 SH   SOLE 0 288 0 0
J M Smuckers Co com 832696405   3,992 31,590 SH   SOLE 0 3,992 0 0
Sylvamo Corporation com 871332102   602 12,263 SH   SOLE 0 602 0 0
VanEck Vectors AMT-Free Short Municipal Index ETF ETF 92189F528   184 10,755 SH   SOLE 0 184 0 0
iShares Edge MSCI Mltfct USA SmCp ETF ETF 46434V290   1,207 20,518 SH   SOLE 0 1,207 0 0
Snap On Inc com 833034101   5,118 17,718 SH   SOLE 0 5,118 0 0
SYNNEX Corp. com 87162W100   324 3,007 SH   SOLE 0 324 0 0
Simon Ppty Group New com 828806109   636 4,458 SH   SOLE 0 636 0 0
SPDR Portfolio High Yield Bond ETF ETF 78468R606   1,534 65,620 SH   SOLE 0 1,534 0 0
SPDR Barclays Cap Interm Term Corp Bond ETF ETF 78464A375   3,781 115,161 SH   SOLE 0 3,781 0 0
SPDR Portfolio Mortgage Backed Bond ETF ETF 78464A383   318 14,417 SH   SOLE 0 318 0 0
SPDR S&P 500 ETF ETF 78462F103   249 523 SH   SOLE 0 249 0 0
Pacer Benchmark Data & Infrastructure Real Estate ETF com 69374H741   10,627 356,489 SH   SOLE 0 10,627 0 0
SS&C Technologies Holdings, Inc. com 78467J100   252 4,129 SH   SOLE 0 252 0 0
Steel Dynamics, Inc. com 858119100   3,247 27,490 SH   SOLE 0 3,247 0 0
State Street Corp com 857477103   242 3,121 SH   SOLE 0 242 0 0
Seagate Technology PLC F com G7997R103   1,284 15,037 SH   SOLE 0 1,284 0 0
iShares Short-Term National Muni Bond ETF ETF 464288158   456 4,327 SH   SOLE 0 456 0 0
Sun Communities Inc com 866674104   234 1,748 SH   SOLE 0 234 0 0
Synchrony Financial com 87165B103   742 19,421 SH   SOLE 0 742 0 0
A T & T Inc. com 00206R102   2,350 140,039 SH   SOLE 0 2,350 0 0
Toronto-Dominion Bank com 891160509   2,011 31,118 SH   SOLE 0 2,011 0 0
TE Connectivity Ltd. com H84989104   2,389 17,000 SH   SOLE 0 2,389 0 0
TEGNA, Inc. com 87901J105   340 22,208 SH   SOLE 0 340 0 0
Target Corporation com 87612E106   2,614 18,352 SH   SOLE 0 2,614 0 0
iShares Barclays TIPS Bond ETF 464287176   3,560 33,124 SH   SOLE 0 3,560 0 0
TJX Cos Inc com 872540109   1,827 19,478 SH   SOLE 0 1,827 0 0
iShares 20 Year Treasury Bond ETF iShares 464287432   6,192 62,623 SH   SOLE 0 6,192 0 0
Toyota Motor Corporation ADR 892331307   8,279 45,149 SH   SOLE 0 8,279 0 0
Taylor Morrison Home Corporation com 87724P106   1,116 20,918 SH   SOLE 0 1,116 0 0
Thermo Fisher Scientific Inc. com 883556102   3,591 6,765 SH   SOLE 0 3,591 0 0
Tortoise North American Pipeline Fund com 56167N720   17,923 690,928 SH   SOLE 0 17,923 0 0
Travelers Companies Inc com 89417E109   4,273 22,432 SH   SOLE 0 4,273 0 0
Tyson Foods Inc com 902494103   1,580 29,393 SH   SOLE 0 1,580 0 0
TotalEnergies SE ADS 89151E109   2,683 39,812 SH   SOLE 0 2,683 0 0
Texas Instruments Inc com 882508104   5,694 33,404 SH   SOLE 0 5,694 0 0
UGI Corporation New com 902681105   2,800 113,806 SH   SOLE 0 2,800 0 0
Universal Health Services Inc. com 913903100   300 1,971 SH   SOLE 0 300 0 0
UnitedHealth Group Inc. com 91324P102   3,429 6,514 SH   SOLE 0 3,429 0 0
Uniti Group Inc. com 91325V108   69 11,916 SH   SOLE 0 69 0 0
Unum Group com 91529Y106   5,082 112,389 SH   SOLE 0 5,082 0 0
Union Pacific com 907818108   4,028 16,401 SH   SOLE 0 4,028 0 0
United Parcel Service, Inc. com 911312106   560 3,560 SH   SOLE 0 560 0 0
United Rentals, Inc. com 911363109   4,403 7,678 SH   SOLE 0 4,403 0 0
US Bancorp com 902973304   507 11,721 SH   SOLE 0 507 0 0
Visa, Inc. com 92826C839   1,066 4,093 SH   SOLE 0 1,066 0 0
Vanguard Small Cap Value ETF ETF 922908611   4,638 25,772 SH   SOLE 0 4,638 0 0
Vanguard FTSE Developed Markets ETF ETF 921943858   256 5,344 SH   SOLE 0 256 0 0
Vanguard Interm-Tm Govt Bd Inx ETF ETF 92206C706   7,329 123,552 SH   SOLE 0 7,329 0 0
Vanguard Dividend Appreciation ETF ETF 921908844   326 1,914 SH   SOLE 0 326 0 0
Valero Energy Corp New com 91913Y100   1,662 12,781 SH   SOLE 0 1,662 0 0
Vanguard Reit Index ETF ETF 922908553   21,772 246,396 SH   SOLE 0 21,772 0 0
Vanguard Russell 1000 ETF ETF 92206C730   3,750 17,285 SH   SOLE 0 3,750 0 0
Vanguard S&P 500 ETF ETF 922908363   292 669 SH   SOLE 0 292 0 0
Vishay Intertechnology Inc. com 928298108   3,234 134,920 SH   SOLE 0 3,234 0 0
Vistra Corp. com 92840M102   343 8,914 SH   SOLE 0 343 0 0
Vanguard Tax-Exempt Bond Index ETF ETF 922907746   9,876 193,448 SH   SOLE 0 9,876 0 0
Vanguard Total Stock Market ETF ETF 922908769   535 2,256 SH   SOLE 0 535 0 0
Viatris Inc com 92556V106   535 49,434 SH   SOLE 0 535 0 0
Vanguard Value ETF ETF 922908744   875 5,850 SH   SOLE 0 875 0 0
Vanguard Emerging Markets Stock ETF ETF 922042858   266 6,475 SH   SOLE 0 266 0 0
Vanguard Total International Stock ETF ETF 921909768   211 3,641 SH   SOLE 0 211 0 0
Verizon Communications com 92343V104   5,016 133,059 SH   SOLE 0 5,016 0 0
Walgreens Boots Alliance Inc. com 931427108   563 21,552 SH   SOLE 0 563 0 0
Whirlpool Corp com 963320106   387 3,177 SH   SOLE 0 387 0 0
Wal-Mart Stores Inc com 931142103   9,433 59,838 SH   SOLE 0 9,433 0 0
Williams Sonoma com 969904101   1,709 8,468 SH   SOLE 0 1,709 0 0
Whitestone REIT com 966084204   407 33,146 SH   SOLE 0 407 0 0
Weyerhaeuser Co com 962166104   441 12,695 SH   SOLE 0 441 0 0
Technology Select Sector SPDR ETF ETF 81369Y803   276 1,433 SH   SOLE 0 276 0 0
The Real Estate Select Sector SPDR Fund com 81369Y860   4,731 118,095 SH   SOLE 0 4,731 0 0
Exxon Mobil Corporation com 30231G102   6,141 61,421 SH   SOLE 0 6,141 0 0
Zimmer Biomet Holdings, Inc. com 98956P102   293 2,409 SH   SOLE 0 293 0 0
Ziff Davis, Inc. com 48123V102   344 5,122 SH   SOLE 0 344 0 0