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
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   849,292 2,536 SH   SOLE   0 0 2,536
ISHARES INC MSCI JPN ETF NEW 46434G822   3,449,492 57,215 SH   SOLE   704 0 56,511
ISHARES TR CORE S&P MCP ETF 464287507   7,002,671 28,084 SH   SOLE   79 0 28,005
ISHARES TR S&P MC 400VL ETF 464287705   235,446 2,333 SH   SOLE   0 0 2,333
ISHARES TR S&P MC 400GR ETF 464287606   601,236 8,323 SH   SOLE   0 0 8,323
ISHARES TR CORE S&P SCP ETF 464287804   2,364,171 25,063 SH   SOLE   0 0 25,063
ISHARES TR SP SMCP600VL ETF 464287879   427,631 4,793 SH   SOLE   0 0 4,793
ISHARES TR S&P SML 600 GWT 464287887   518,650 4,729 SH   SOLE   0 0 4,729
ISHARES TR CORE S&P500 ETF 464287200   55,985,236 130,371 SH   SOLE   15,316 0 115,055
ISHARES TR RUS 1000 ETF 464287622   1,572,054 6,692 SH   SOLE   0 0 6,692
ISHARES TR RUS 1000 VAL ETF 464287598   584,203 3,848 SH   SOLE   0 0 3,848
ISHARES TR RUS 1000 GRW ETF 464287614   1,091,091 4,102 SH   SOLE   0 0 4,102
ISHARES TR RUSSELL 2000 ETF 464287655   517,357 2,927 SH   SOLE   0 0 2,927
ISHARES TR CORE S&P US VLU 464287663   1,619,105 21,698 SH   SOLE   0 0 21,698
ISHARES TR CORE S&P US GWT 464287671   13,570,932 143,108 SH   SOLE   8,069 0 135,039
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   2,183,101 4,781 SH   SOLE   0 0 4,781
SPDR S&P 500 ETF TR TR UNIT 78462F103   30,655,204 71,711 SH   SOLE   942 0 70,770
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   524,519 8,901 SH   SOLE   0 0 8,901
ADOBE INC COM 00724F101   1,279,849 2,510 SH   SOLE   0 0 2,510
AMERICAN INTL GROUP INC COM NEW 026874784   211,555 3,491 SH   SOLE   0 0 3,491
AMAZON COM INC COM 023135106   6,296,442 49,531 SH   SOLE   0 0 49,531
BRISTOL-MYERS SQUIBB CO COM 110122108   1,877,920 32,356 SH   SOLE   0 0 32,356
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   10,217,041 29,167 SH   SOLE   0 0 29,167
EMERSON ELEC CO COM 291011104   2,619,654 27,127 SH   SOLE   0 0 27,127
BOEING CO COM 097023105   2,572,810 13,422 SH   SOLE   0 0 13,422
HERSHEY CO COM 427866108   295,123 1,475 SH   SOLE   0 0 1,475
REALTY INCOME CORP COM 756109104   1,083,772 21,701 SH   SOLE   0 0 21,701
ONEOK INC NEW COM 682680103   1,924,093 30,334 SH   SOLE   0 0 30,334
INVESCO QQQ TR UNIT SER 1 46090E103   2,532,379 7,068 SH   SOLE   0 0 7,068
AMGEN INC COM 031162100   5,063,544 18,840 SH   SOLE   200 0 18,640
ABBOTT LABS COM 002824100   7,257,675 74,937 SH   SOLE   9,422 0 65,515
BP PLC SPONSORED ADR 055622104   525,353 13,568 SH   SOLE   0 0 13,568
EBAY INC. COM 278642103   746,400 16,929 SH   SOLE   0 0 16,929
ALTRIA GROUP INC COM 02209S103   432,695 10,290 SH   SOLE   0 0 10,290
FEDEX CORP COM 31428X106   3,052,143 11,521 SH   SOLE   0 0 11,521
HORMEL FOODS CORP COM 440452100   447,547 11,768 SH   SOLE   0 0 11,768
GENUINE PARTS CO COM 372460105   398,489 2,760 SH   SOLE   0 0 2,760
INTEL CORP COM 458140100   3,887,890 109,364 SH   SOLE   0 0 109,364
ILLINOIS TOOL WKS INC COM 452308109   539,208 2,341 SH   SOLE   0 0 2,341
NOKIA CORP SPONSORED ADR 654902204   953,513 254,950 SH   SOLE   0 0 254,950
ORACLE CORP COM 68389X105   3,958,124 37,369 SH   SOLE   0 0 37,369
QUALCOMM INC COM 747525103   8,485,846 76,408 SH   SOLE   6,340 0 70,068
DISNEY WALT CO COM 254687106   1,361,866 16,803 SH   SOLE   0 0 16,803
HONEYWELL INTL INC COM 438516106   8,232,802 44,564 SH   SOLE   1,797 0 42,767
JOHNSON & JOHNSON COM 478160104   23,210,704 149,025 SH   SOLE   13,681 0 135,344
MEDTRONIC PLC SHS G5960L103   476,950 6,087 SH   SOLE   0 0 6,087
PFIZER INC COM 717081103   3,237,337 97,598 SH   SOLE   0 0 97,598
EXELON CORP COM 30161N101   862,028 22,811 SH   SOLE   0 0 22,811
LOWES COS INC COM 548661107   3,010,011 14,482 SH   SOLE   0 0 14,482
ISHARES TR MSCI EAFE ETF 464287465   1,497,016 21,721 SH   SOLE   0 0 21,721
CHEVRON CORP NEW COM 166764100   2,736,705 16,230 SH   SOLE   0 0 16,230
MICROSOFT CORP COM 594918104   49,793,980 157,701 SH   SOLE   9,391 0 148,310
UNITED PARCEL SERVICE INC CL B 911312106   11,860,722 76,094 SH   SOLE   0 0 76,094
AT&T INC COM 00206R102   1,390,606 92,584 SH   SOLE   0 0 92,584
CITIGROUP INC COM NEW 172967424   2,638,446 64,149 SH   SOLE   0 0 64,149
CISCO SYS INC COM 17275R102   7,914,553 147,220 SH   SOLE   0 0 147,220
INTERNATIONAL BUSINESS MACHS COM 459200101   1,016,578 7,246 SH   SOLE   0 0 7,246
COCA COLA CO COM 191216100   3,109,648 55,549 SH   SOLE   0 0 55,549
LOCKHEED MARTIN CORP COM 539830109   7,432,424 18,174 SH   SOLE   2,168 0 16,006
PEPSICO INC COM 713448108   15,797,726 93,235 SH   SOLE   12,554 0 80,681
STRYKER CORPORATION COM 863667101   1,731,907 6,338 SH   SOLE   0 0 6,338
VERIZON COMMUNICATIONS INC COM 92343V104   1,560,442 48,147 SH   SOLE   0 0 48,147
ISHARES TR RUS MID CAP ETF 464287499   3,130,877 45,211 SH   SOLE   0 0 45,211
ISHARES TR RUS MD CP GR ETF 464287481   1,493,481 16,349 SH   SOLE   0 0 16,349
ISHARES TR RUS MDCP VAL ETF 464287473   3,258,409 31,229 SH   SOLE   0 0 31,229
ISHARES TR U.S. ENERGY ETF 464287796   336,753 7,100 SH   SOLE   0 0 7,100
ISHARES TR US HLTHCARE ETF 464287762   308,174 1,141 SH   SOLE   0 0 1,141
ISHARES TR U.S. TECH ETF 464287721   614,412 5,856 SH   SOLE   0 0 5,856
SELECT SECTOR SPDR TR ENERGY 81369Y506   235,147 2,601 SH   SOLE   0 0 2,601
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   495,892 14,950 SH   SOLE   0 0 14,950
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   912,962 5,569 SH   SOLE   0 0 5,569
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   309,645 4,500 SH   SOLE   0 0 4,500
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   928,110 7,209 SH   SOLE   0 0 7,209
ISHARES TR ISHARES BIOTECH 464287556   1,747,770 14,292 SH   SOLE   0 0 14,292
SPDR SER TR NYSE TECH ETF 78464A102   329,494 2,412 SH   SOLE   0 0 2,412
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   17,109,977 110,117 SH   SOLE   6,014 0 104,103
SCHWAB CHARLES CORP COM 808513105   3,473,568 63,271 SH   SOLE   0 0 63,271
DEERE & CO COM 244199105   570,186 1,511 SH   SOLE   0 0 1,511
BANK AMERICA CORP COM 060505104   2,218,444 81,024 SH   SOLE   0 0 81,024
STARBUCKS CORP COM 855244109   7,153,172 78,374 SH   SOLE   7,604 0 70,770
ANALOG DEVICES INC COM 032654105   1,532,930 8,755 SH   SOLE   7,255 0 1,500
AUTOMATIC DATA PROCESSING IN COM 053015103   706,595 2,937 SH   SOLE   0 0 2,937
EXXON MOBIL CORP COM 30231G102   5,317,901 45,228 SH   SOLE   0 0 45,228
WALMART INC COM 931142103   11,279,528 70,528 SH   SOLE   10,347 0 60,181
APPLIED MATLS INC COM 038222105   1,463,090 10,568 SH   SOLE   0 0 10,568
ELEVANCE HEALTH INC COM 036752103   14,610,833 33,556 SH   SOLE   4,980 0 28,576
UNION PAC CORP COM 907818108   11,614,730 57,038 SH   SOLE   7,862 0 49,177
TEXAS INSTRS INC COM 882508104   1,085,854 6,829 SH   SOLE   0 0 6,829
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   258,093 2,970 SH   SOLE   0 0 2,970
TARGET CORP COM 87612E106   4,524,158 40,917 SH   SOLE   5,177 0 35,740
COLGATE PALMOLIVE CO COM 194162103   6,484,388 91,188 SH   SOLE   11,080 0 80,108
COSTCO WHSL CORP NEW COM 22160K105   19,719,795 34,905 SH   SOLE   4,610 0 30,295
ELI LILLY & CO COM 532457108   12,238,033 22,784 SH   SOLE   3,221 0 19,563
CVS HEALTH CORP COM 126650100   3,612,129 51,735 SH   SOLE   0 0 51,735
DIAGEO PLC SPON ADR NEW 25243Q205   7,295,402 48,903 SH   SOLE   7,026 0 41,878
DANAHER CORPORATION COM 235851102   1,481,407 5,971 SH   SOLE   5,152 0 819
MERCK & CO INC COM 58933Y105   13,802,493 134,070 SH   SOLE   9,208 0 124,862
MICRON TECHNOLOGY INC COM 595112103   383,056 5,631 SH   SOLE   0 0 5,631
NOVARTIS AG SPONSORED ADR 66987V109   707,927 6,950 SH   SOLE   0 0 6,950
PROCTER AND GAMBLE CO COM 742718109   14,469,969 99,205 SH   SOLE   8,371 0 90,834
GENERAL ELECTRIC CO COM NEW 369604301   466,903 4,223 SH   SOLE   0 0 4,223
KIMBERLY-CLARK CORP COM 494368103   493,578 4,084 SH   SOLE   0 0 4,084
GILEAD SCIENCES INC COM 375558103   2,469,573 32,954 SH   SOLE   0 0 32,954
GOLDMAN SACHS GROUP INC COM 38141G104   1,846,127 5,705 SH   SOLE   0 0 5,705
HOME DEPOT INC COM 437076102   15,023,978 49,722 SH   SOLE   4,454 0 45,268
MCDONALDS CORP COM 580135101   12,531,479 47,569 SH   SOLE   5,900 0 41,669
NIKE INC CL B 654106103   12,403,633 129,718 SH   SOLE   16,329 0 113,389
JPMORGAN CHASE & CO COM 46625H100   25,476,265 175,674 SH   SOLE   16,846 0 158,828
TJX COS INC NEW COM 872540109   9,595,122 107,956 SH   SOLE   10,847 0 97,109
MONDELEZ INTL INC CL A 609207105   458,788 6,611 SH   SOLE   0 0 6,611
BOOKING HOLDINGS INC COM 09857L108   441,005 143 SH   SOLE   0 0 143
WELLS FARGO CO NEW COM 949746101   311,030 7,612 SH   SOLE   0 0 7,612
ISHARES TR 1 3 YR TREAS BD 464287457   386,956 4,779 SH   SOLE   0 0 4,779
ISHARES TR IBOXX INV CP ETF 464287242   3,364,526 32,979 SH   SOLE   123 0 32,856
CORNING INC COM 219350105   418,843 13,746 SH   SOLE   0 0 13,746
XCEL ENERGY INC COM 98389B100   287,073 5,017 SH   SOLE   0 0 5,017
FORD MTR CO DEL COM 345370860   1,687,104 135,838 SH   SOLE   0 0 135,838
WW INTL INC COM 98262P101   509,220 46,000 SH   SOLE   0 0 46,000
UNITEDHEALTH GROUP INC COM 91324P102   7,995,241 15,858 SH   SOLE   1,459 0 14,399
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   7,964,694 25,934 SH   SOLE   3,389 0 22,545
RTX CORPORATION COM 75513E101   8,391,173 116,593 SH   SOLE   19,165 0 97,427
MARRIOTT INTL INC NEW CL A 571903202   4,157,608 21,152 SH   SOLE   0 0 21,152
MARSH & MCLENNAN COS INC COM 571748102   590,120 3,101 SH   SOLE   0 0 3,101
3M CO COM 88579Y101   502,030 5,362 SH   SOLE   0 0 5,362
COMCAST CORP NEW CL A 20030N101   10,347,996 233,378 SH   SOLE   41,488 0 191,890
VANGUARD INDEX FDS TOTAL STK MKT 922908769   6,209,240 29,232 SH   SOLE   0 0 29,232
WASTE MGMT INC DEL COM 94106L109   326,104 2,139 SH   SOLE   0 0 2,139
HOST HOTELS & RESORTS INC COM 44107P104   420,359 26,158 SH   SOLE   0 0 26,158
NEXTERA ENERGY INC COM 65339F101   10,457,177 182,531 SH   SOLE   22,287 0 160,244
DUKE ENERGY CORP NEW COM NEW 26441C204   303,501 3,439 SH   SOLE   0 0 3,439
CONOCOPHILLIPS COM 20825C104   838,480 6,999 SH   SOLE   0 0 6,999
APPLE INC COM 037833100   58,516,845 341,784 SH   SOLE   17,036 0 324,748
ALLSTATE CORP COM 020002101   315,290 2,830 SH   SOLE   0 0 2,830
AMERICAN WTR WKS CO INC NEW COM 030420103   4,787,528 38,662 SH   SOLE   5,331 0 33,331
CATERPILLAR INC COM 149123101   5,875,704 21,523 SH   SOLE   500 0 21,023
KINDER MORGAN INC DEL COM 49456B101   205,940 12,421 SH   SOLE   0 0 12,421
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   232,306 1,621 SH   SOLE   0 0 1,621
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   448,159 3,163 SH   SOLE   0 0 3,163
CHUBB LIMITED COM H1467J104   431,557 2,073 SH   SOLE   0 0 2,073
BATH & BODY WORKS INC COM 070830104   1,184,521 35,045 SH   SOLE   0 0 35,045
ROSS STORES INC COM 778296103   622,129 5,508 SH   SOLE   0 0 5,508
ECOLAB INC COM 278865100   391,756 2,313 SH   SOLE   0 0 2,313
TERADYNE INC COM 880770102   2,365,833 23,550 SH   SOLE   0 0 23,550
ISHARES TR EXPANDED TECH 464287515   238,882 700 SH   SOLE   0 0 700
ISHARES TR S&P 100 ETF 464287101   1,657,086 8,259 SH   SOLE   0 0 8,259
AMERICAN EXPRESS CO COM 025816109   1,987,542 13,322 SH   SOLE   0 0 13,322
GENERAL MLS INC COM 370334104   323,239 5,051 SH   SOLE   0 0 5,051
SABINE RTY TR UNIT BEN INT 785688102   672,773 10,209 SH   SOLE   0 0 10,209
HEALTHPEAK PROPERTIES INC COM 42250P103   600,390 32,701 SH   SOLE   0 0 32,701
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   249,835 4,390 SH   SOLE   0 0 4,390
PRINCIPAL FINANCIAL GROUP IN COM 74251V102   285,181 3,957 SH   SOLE   205 0 3,752
KLA CORP COM NEW 482480100   4,964,107 10,823 SH   SOLE   1,505 0 9,318
SOUTHERN CO COM 842587107   1,258,215 19,441 SH   SOLE   0 0 19,441
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   89,861,751 2,291,807 SH   SOLE   24,007 0 2,267,800
PAYCHEX INC COM 704326107   216,250 1,875 SH   SOLE   0 0 1,875
BERKSHIRE HATHAWAY INC DEL CL A 084670108   531,477 1 SH   SOLE   0 0 1
THE CIGNA GROUP COM 125523100   533,391 1,865 SH   SOLE   0 0 1,865
NETFLIX INC COM 64110L106   300,570 796 SH   SOLE   0 0 796
CME GROUP INC COM 12572Q105   291,520 1,456 SH   SOLE   0 0 1,456
PROLOGIS INC. COM 74340W103   244,720 2,181 SH   SOLE   0 0 2,181
LABORATORY CORP AMER HLDGS COM NEW 50540R409   515,894 2,566 SH   SOLE   0 0 2,566
ISHARES TR SELECT DIVID ETF 464287168   1,077,793 10,013 SH   SOLE   0 0 10,013
ISHARES TR TIPS BD ETF 464287176   377,942 3,644 SH   SOLE   0 0 3,644
CONSOLIDATED EDISON INC COM 209115104   957,436 11,194 SH   SOLE   0 0 11,194
NVIDIA CORPORATION COM 67066G104   1,204,834 2,770 SH   SOLE   0 0 2,770
VERTEX PHARMACEUTICALS INC COM 92532F100   292,102 840 SH   SOLE   200 0 640
FREEPORT-MCMORAN INC CL B 35671D857   1,312,720 35,203 SH   SOLE   0 0 35,203
AMERICAN ELEC PWR CO INC COM 025537101   369,255 4,909 SH   SOLE   0 0 4,909
EATON CORP PLC SHS G29183103   2,072,338 9,717 SH   SOLE   0 0 9,717
ISHARES TR MORNINGSTAR GRWT 464287119   1,661,551 27,855 SH   SOLE   0 0 27,855
SNAP ON INC COM 833034101   211,235 828 SH   SOLE   0 0 828
FIRST INDL RLTY TR INC COM 32054K103   228,575 4,803 SH   SOLE   0 0 4,803
HUMANA INC COM 444859102   1,282,467 2,636 SH   SOLE   0 0 2,636
CHURCH & DWIGHT CO INC COM 171340102   246,395 2,689 SH   SOLE   0 0 2,689
NOVO-NORDISK A S ADR 670100205   1,808,069 19,882 SH   SOLE   0 0 19,882
BECTON DICKINSON & CO COM 075887109   1,894,222 7,327 SH   SOLE   0 0 7,327
ENTERPRISE PRODS PARTNERS L COM 293792107   594,820 21,733 SH   SOLE   0 0 21,733
METLIFE INC COM 59156R108   345,753 5,496 SH   SOLE   0 0 5,496
ISHARES TR CHINA LG-CAP ETF 464287184   1,143,443 43,100 SH   SOLE   0 0 43,100
YUM BRANDS INC COM 988498101   213,647 1,710 SH   SOLE   0 0 1,710
VALE S A SPONSORED ADS 91912E105   549,373 40,998 SH   SOLE   0 0 40,998
AMPHENOL CORP NEW CL A 032095101   652,014 7,763 SH   SOLE   0 0 7,763
ALPHABET INC CAP STK CL A 02079K305   7,885,885 60,262 SH   SOLE   0 0 60,262
SPDR GOLD TR GOLD SHS 78463V107   969,550 5,655 SH   SOLE   0 0 5,655
MARVELL TECHNOLOGY INC COM 573874104   570,978 10,548 SH   SOLE   0 0 10,548
VANGUARD WORLD FDS ENERGY ETF 92204A306   282,580 2,230 SH   SOLE   0 0 2,230
VANGUARD INDEX FDS VALUE ETF 922908744   627,637,705 4,550,407 SH   SOLE   67,593 0 4,482,815
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   2,609,744 11,101 SH   SOLE   304 0 10,797
VANGUARD INDEX FDS MID CAP ETF 922908629   1,406,868 6,756 SH   SOLE   0 0 6,756
VANGUARD INDEX FDS SM CP VAL ETF 922908611   55,768,311 349,667 SH   SOLE   2,435 0 347,231
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   215,477 2,848 SH   SOLE   0 0 2,848
INTUITIVE SURGICAL INC COM NEW 46120E602   448,665 1,535 SH   SOLE   0 0 1,535
BLACKROCK INC COM 09247X101   9,357,005 14,474 SH   SOLE   1,662 0 12,812
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,847,215 9,770 SH   SOLE   0 0 9,770
VANGUARD INDEX FDS GROWTH ETF 922908736   740,321,865 2,718,673 SH   SOLE   33,426 0 2,685,247
CHARLES RIV LABS INTL INC COM 159864107   319,447 1,630 SH   SOLE   0 0 1,630
AMERIPRISE FINL INC COM 03076C106   810,033 2,457 SH   SOLE   0 0 2,457
MFS MUN INCOME TR SH BEN INT 552738106   179,247 39,395 SH   SOLE   0 0 39,395
NUVEEN QUALITY MUNCP INCOME COM 67066V101   149,565 14,750 SH   SOLE   0 0 14,750
BAIDU INC SPON ADR REP A 056752108   1,474,088 10,972 SH   SOLE   0 0 10,972
CLEVELAND-CLIFFS INC NEW COM 185899101   1,620,831 103,700 SH   SOLE   0 0 103,700
WERNER ENTERPRISES INC COM 950755108   233,700 6,000 SH   SOLE   0 0 6,000
VANGUARD INDEX FDS SML CP GRW ETF 922908595   58,954,474 275,257 SH   SOLE   6,094 0 269,163
INTERCONTINENTAL EXCHANGE IN COM 45866F104   1,223,267 11,119 SH   SOLE   0 0 11,119
JONES LANG LASALLE INC COM 48020Q107   215,300 1,525 SH   SOLE   0 0 1,525
ASML HOLDING N V N Y REGISTRY SHS N07059210   841,195 1,429 SH   SOLE   0 0 1,429
PARAMOUNT GLOBAL CLASS B COM 92556H206   131,425 10,188 SH   SOLE   0 0 10,188
SPDR SER TR S&P DIVID ETF 78464A763   349,086 3,035 SH   SOLE   0 0 3,035
ISHARES GOLD TR ISHARES NEW 464285204   237,967 6,801 SH   SOLE   0 0 6,801
THERMO FISHER SCIENTIFIC INC COM 883556102   1,948,756 3,850 SH   SOLE   3,127 0 723
ISHARES TR EAFE GRWTH ETF 464288885   13,214,961 153,128 SH   SOLE   592 0 152,536
SALESFORCE INC COM 79466L302   462,338 2,280 SH   SOLE   0 0 2,280
ROYAL BK CDA COM 780087102   287,066 3,283 SH   SOLE   0 0 3,283
INVESCO DB COMMDY INDX TRCK UNIT 46138B103   1,654,748 66,296 SH   SOLE   0 0 66,296
ROPER TECHNOLOGIES INC COM 776696106   228,580 472 SH   SOLE   0 0 472
EATON VANCE SR FLTNG RTE TR COM 27828Q105   1,059,322 87,475 SH   SOLE   0 0 87,475
VANGUARD WORLD FDS INF TECH ETF 92204A702   1,259,211 3,035 SH   SOLE   0 0 3,035
SPDR SER TR NUVEEN BLMBRG SH 78468R739   265,358 5,740 SH   SOLE   0 0 5,740
MASTERCARD INCORPORATED CL A 57636Q104   1,284,303 3,244 SH   SOLE   0 0 3,244
BLACKROCK MUNIASSETS FD INC COM 09254J102   96,300 10,700 SH   SOLE   0 0 10,700
WISDOMTREE TR US LARGECAP DIVD 97717W307   566,815 9,218 SH   SOLE   0 0 9,218
NUVEEN AMT FREE QLTY MUN INC COM 670657105   434,980 44,936 SH   SOLE   0 0 44,936
VANGUARD INDEX FDS LARGE CAP ETF 922908637   603,481 3,084 SH   SOLE   0 0 3,084
BLACKROCK MUNIYIELD MICH QU COM 09254V105   213,992 21,550 SH   SOLE   0 0 21,550
HANESBRANDS INC COM 410345102   59,400 15,000 SH   SOLE   0 0 15,000
COSTAR GROUP INC COM 22160N109   351,387 4,570 SH   SOLE   0 0 4,570
INVESCO DB MULTI-SECTOR COMM AGRICULTURE FD 46140H106   269,402 12,583 SH   SOLE   0 0 12,583
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   7,198,775 36,960 SH   SOLE   7,183 0 29,777
SPDR SER TR S&P REGL BKG 78464A698   216,850 5,192 SH   SOLE   0 0 5,192
SPDR SER TR S&P INS ETF 78464A789   3,594,642 84,500 SH   SOLE   975 0 83,525
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   849,119 6,484 SH   SOLE   0 0 6,484
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,696,668 32,710 SH   SOLE   0 0 32,710
FIRST TR EXCHANGE-TRADED FD NY ARCA BIOTECH 33733E203   2,052,552 14,025 SH   SOLE   5,518 0 8,507
ISHARES TR IBOXX HI YD ETF 464288513   987,800 13,399 SH   SOLE   203 0 13,196
ISHARES TR ISHS 1-5YR INVS 464288646   1,603,357 32,177 SH   SOLE   0 0 32,177
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   214,951 2,860 SH   SOLE   0 0 2,860
VANGUARD BD INDEX FDS INTERMED TERM 921937819   715,541 9,895 SH   SOLE   0 0 9,895
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   19,783,545 283,513 SH   SOLE   0 0 283,513
BLACKSTONE INC COM 09260D107   592,076 5,526 SH   SOLE   0 0 5,526
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   233,344 9,375 SH   SOLE   0 0 9,375
ISHARES TR MBS ETF 464288588   159,346,272 1,794,440 SH   SOLE   14,320 0 1,780,120
ISHARES TR PFD AND INCM SEC 464288687   2,382,323 79,016 SH   SOLE   0 0 79,016
BANK NEW YORK MELLON CORP COM 064058100   210,903 4,945 SH   SOLE   0 0 4,945
ISHARES TR 3 7 YR TREAS BD 464288661   727,958 6,433 SH   SOLE   0 0 6,433
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   297,458 2,879 SH   SOLE   0 0 2,879
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   430,251,301 9,841,064 SH   SOLE   127,106 0 9,713,957
ISHARES TR NATIONAL MUN ETF 464288414   58,121,385 566,817 SH   SOLE   2,268 0 564,549
SPDR SER TR NUVEEN BLMBRG MU 78468R721   3,930,828 89,950 SH   SOLE   0 0 89,950
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   3,407,284 32,084 SH   SOLE   0 0 32,084
LULULEMON ATHLETICA INC COM 550021109   211,314 548 SH   SOLE   0 0 548
ISHARES TR JPMORGAN USD EMG 464288281   2,280,185 27,632 SH   SOLE   0 0 27,632
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   2,936,923 31,986 SH   SOLE   0 0 31,986
SPDR SER TR BLOOMBERG HIGH Y 78468R622   591,654 6,545 SH   SOLE   0 0 6,545
ISHARES TR EAFE SML CP ETF 464288273   1,102,177 19,518 SH   SOLE   0 0 19,518
VISA INC COM CL A 92826C839   18,272,031 79,440 SH   SOLE   9,247 0 70,193
PHILIP MORRIS INTL INC COM 718172109   809,797 8,747 SH   SOLE   0 0 8,747
VANGUARD WORLD FD MEGA CAP INDEX 921910873   360,682 2,375 SH   SOLE   0 0 2,375
ISHARES TR CALIF MUN BD ETF 464288356   18,315,270 333,976 SH   SOLE   6,515 0 327,461
SPDR SER TR PORTFOLIO S&P500 78464A854   325,936 6,485 SH   SOLE   0 0 6,485
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   872,726 28,143 SH   SOLE   0 0 28,143
ISHARES TR NEW YORK MUN ETF 464288323   16,456,304 322,483 SH   SOLE   0 0 322,483
ULTA BEAUTY INC COM 90384S303   471,351 1,180 SH   SOLE   0 0 1,180
HARBOR ETF TRUST DIVIDEND GTH LEA 41151J703   513,182 42,237 SH   SOLE   0 0 42,237
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,216,626 13,057 SH   SOLE   0 0 13,057
PROSHARES TR II ULTRA SILVER NEW 74347W353   291,579 11,848 SH   SOLE   0 0 11,848
ISHARES TR GRWT ALLOCAT ETF 464289867   541,025 10,950 SH   SOLE   0 0 10,950
ISHARES TR AGGRES ALLOC ETF 464289859   319,986 5,040 SH   SOLE   0 0 5,040
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   664,325 8,743 SH   SOLE   0 0 8,743
BROADCOM INC COM 11135F101   6,843,313 8,239 SH   SOLE   1,610 0 6,629
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   501,501 5,008 SH   SOLE   0 0 5,008
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,945,074 39,019 SH   SOLE   0 0 39,019
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   6,827,797 201,054 SH   SOLE   0 0 201,054
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,778,289 54,907 SH   SOLE   0 0 54,907
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   6,627,415 88,189 SH   SOLE   0 0 88,189
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,080,473 74,372 SH   SOLE   0 0 74,372
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   685,224 9,423 SH   SOLE   0 0 9,423
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   2,217,960 34,408 SH   SOLE   0 0 34,408
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   416,131,806 7,281,396 SH   SOLE   55,997 0 7,225,399
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   819,763 14,232 SH   SOLE   0 0 14,232
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   9,681,376 221,137 SH   SOLE   169 0 220,968
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   4,009,957 167,500 SH   SOLE   0 0 167,500
SPDR SER TR PORTFOLIO SHORT 78464A474   494,658 16,871 SH   SOLE   0 0 16,871
HYATT HOTELS CORP COM CL A 448579102   330,861 3,119 SH   SOLE   0 0 3,119
TESLA INC COM 88160R101   613,915 2,454 SH   SOLE   0 0 2,454
ALPS ETF TR ALERIAN MLP 00162Q452   1,007,736 23,880 SH   SOLE   0 0 23,880
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869   4,064,447 45,011 SH   SOLE   0 0 45,011
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885   1,054,596 12,476 SH   SOLE   0 0 12,476
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   3,635,152 38,545 SH   SOLE   26 0 38,519
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   575,409 7,468 SH   SOLE   0 0 7,468
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,707,556 6,895 SH   SOLE   0 0 6,895
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   972,056 3,938 SH   SOLE   0 0 3,938
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100   738,458 8,775 SH   SOLE   0 0 8,775
GENERAL MTRS CO COM 37045V100   211,700 6,421 SH   SOLE   0 0 6,421
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   844,829 12,483 SH   SOLE   0 0 12,483
VANGUARD STAR FDS VG TL INTL STK F 921909768   394,058 7,363 SH   SOLE   0 0 7,363
HCA HEALTHCARE INC COM 40412C101   744,737 3,028 SH   SOLE   0 0 3,028
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   1,609,179 76,664 SH   SOLE   0 0 76,664
SPDR SER TR PORTFOLIO CRPORT 78464A144   280,589,626 10,173,663 SH   SOLE   81,533 0 10,092,130
ISHARES TR FLTG RATE NT ETF 46429B655   9,864,916 193,848 SH   SOLE   0 0 193,848
MARATHON PETE CORP COM 56585A102   871,718 5,760 SH   SOLE   0 0 5,760
SPDR SER TR HLTH CARE SVCS 78464A573   453,123 5,445 SH   SOLE   0 0 5,445
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   553,202 7,818 SH   SOLE   0 0 7,818
ISHARES INC JP MORGAN EM ETF 464286517   902,097 25,900 SH   SOLE   0 0 25,900
PHILLIPS 66 COM 718546104   373,306 3,107 SH   SOLE   0 0 3,107
SPDR SER TR BLOOMBERG SHT TE 78468R408   1,850,252 75,644 SH   SOLE   0 0 75,644
ISHARES INC JP MRG EM CRP BD 464286251   1,768,779 41,825 SH   SOLE   0 0 41,825
META PLATFORMS INC CL A 30303M102   9,471,175 31,549 SH   SOLE   0 0 31,549
VANECK ETF TRUST FALLEN ANGEL HG 92189F437   5,210,650 192,559 SH   SOLE   13,629 0 178,930
SERVICENOW INC COM 81762P102   1,894,315 3,389 SH   SOLE   0 0 3,389
PALO ALTO NETWORKS INC COM 697435105   7,687,053 32,789 SH   SOLE   0 0 32,789
WORKDAY INC CL A 98138H101   4,301,727 20,022 SH   SOLE   0 0 20,022
ISHARES INC CORE MSCI EMKT 46434G103   928,002 19,500 SH   SOLE   2,102 0 17,398
ISHARES TR CORE MSCI EAFE 46432F842   3,827,966 59,487 SH   SOLE   43,888 0 15,599
ABBVIE INC COM 00287Y109   12,636,834 84,777 SH   SOLE   10,015 0 74,761
ZOETIS INC CL A 98978V103   403,808 2,321 SH   SOLE   0 0 2,321
SPROUTS FMRS MKT INC COM 85208M102   256,800 6,000 SH   SOLE   0 0 6,000
PHYSICIANS RLTY TR COM 71943U104   513,126 42,094 SH   SOLE   0 0 42,094
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   519,854 10,420 SH   SOLE   0 0 10,420
PROSHARES TR S&P 500 DV ARIST 74348A467   214,468 2,422 SH   SOLE   0 0 2,422
SSGA ACTIVE ETF TR ULT SHT TRM BD 78467V707   537,725 13,353 SH   SOLE   0 0 13,353
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   18,885,767 311,749 SH   SOLE   39,070 0 272,679
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865   426,714 11,253 SH   SOLE   0 0 11,253
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   7,992,961 65,020 SH   SOLE   5,487 0 59,533
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204   3,536,389 50,621 SH   SOLE   608 0 50,013
ISHARES TR 0-5YR HI YL CP 46434V407   8,842,108 215,503 SH   SOLE   14,034 0 201,469
ISHARES TR BLACKROCK ULTRA 46434V878   200,684 3,983 SH   SOLE   0 0 3,983
ALPHABET INC CAP STK CL C 02079K107   12,642,480 95,885 SH   SOLE   0 0 95,885
ISHARES TR CORE DIV GRWTH 46434V621   406,245 8,202 SH   SOLE   0 0 8,202
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   509,598 5,875 SH   SOLE   0 0 5,875
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   7,821,666 179,561 SH   SOLE   1,631 0 177,930
FIDELITY MERRIMACK STR TR CORP BOND ETF 316188101   630,298 14,420 SH   SOLE   0 0 14,420
BLACK STONE MINERALS L P COM UNIT 09225M101   2,405,278 139,598 SH   SOLE   0 0 139,598
KRAFT HEINZ CO COM 500754106   2,124,164 63,144 SH   SOLE   0 0 63,144
PAYPAL HLDGS INC COM 70450Y103   1,413,212 24,174 SH   SOLE   0 0 24,174
ISHARES TR INTERNATIONAL SL 46434V266   1,100,473 37,203 SH   SOLE   4,081 0 33,122
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   358,441,404 7,452,004 SH   SOLE   218,787 0 7,233,217
PURE STORAGE INC CL A 74624M102   1,437,267 40,350 SH   SOLE   0 0 40,350
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   1,563,910 21,925 SH   SOLE   0 0 21,925
FIDELITY COVINGTON TRUST QLTY FCTOR ETF 316092790   781,236 15,848 SH   SOLE   0 0 15,848
ISHARES TR CORE MSCI INTL 46435G326   408,543 7,010 SH   SOLE   0 0 7,010
OKTA INC CL A 679295105   1,587,163 19,472 SH   SOLE   0 0 19,472
DBX ETF TR XTRACK USD HIGH 233051432   5,230,377 154,288 SH   SOLE   10,911 0 143,377
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   332,944 6,635 SH   SOLE   0 0 6,635
ISHARES TR ESG AWRE USD ETF 46435G193   476,631 21,904 SH   SOLE   0 0 21,904
J P MORGAN EXCHANGE TRADED F US VALUE FACTR 46641Q753   761,516 21,984 SH   SOLE   0 0 21,984
ISHARES TR BROAD USD HIGH 46435U853   7,844,689 226,007 SH   SOLE   15,990 0 210,017
QUANTERIX CORP COM 74766Q101   5,243,516 193,203 SH   SOLE   0 0 193,203
NUTRIEN LTD COM 67077M108   765,392 12,393 SH   SOLE   0 0 12,393
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573   18,088,887 249,674 SH   SOLE   182 0 249,492
VANGUARD WELLINGTON FD US VALUE FACTR 921935805   62,705,159 626,550 SH   SOLE   22,048 0 604,502
TILRAY BRANDS INC COM 88688T100   148,359 62,075 SH   SOLE   0 0 62,075
VANGUARD WORLD FD ESG US STK ETF 921910733   739,112 9,826 SH   SOLE   0 0 9,826
VANGUARD WORLD FD ESG INTL STK ETF 921910725   228,745 4,535 SH   SOLE   0 0 4,535
LINDE PLC SHS G54950103   9,235,541 24,803 SH   SOLE   3,855 0 20,948
DELL TECHNOLOGIES INC CL C 24703L202   367,030 5,327 SH   SOLE   0 0 5,327
PINTEREST INC CL A 72352L106   202,293 7,484 SH   SOLE   0 0 7,484
ISHARES TR ESG MSCI USA ETF 46436E767   22,499,233 649,141 SH   SOLE   0 0 649,141
ISHARES TR ESG EAFE ETF 46436E759   7,207,787 126,253 SH   SOLE   0 0 126,253
T ROWE PRICE ETF INC PRICE DIV GRWT 87283Q404   1,622,200 50,567 SH   SOLE   7,658 0 42,910
KRANESHARES TR GLOBAL CARB STRA 500767678   334,528 9,259 SH   SOLE   0 0 9,259
VANGUARD WORLD FD ESG US CORP BD 921910691   4,877,134 82,120 SH   SOLE   0 0 82,120
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   492,580 9,787 SH   SOLE   0 0 9,787
AIRBNB INC COM CL A 009066101   5,237,306 38,170 SH   SOLE   0 0 38,170
CYBIN INC COM 23256X100   31,015 58,647 SH   SOLE   0 0 58,647
FIDELITY COVINGTON TRUST FIDELITY GROWTH 316092337   540,372 32,949 SH   SOLE   4,632 0 28,317
SPDR SER TR BLOOMBERG 3-12 M 78468R523   413,132 4,155 SH   SOLE   0 0 4,155
ROBLOX CORP CL A 771049103   610,013 21,064 SH   SOLE   0 0 21,064
APPLOVIN CORP COM CL A 03831W108   672,767 16,836 SH   SOLE   0 0 16,836
SPDR SER TR BLOOMBERG EMG MK 78468R515   336,895 14,875 SH   SOLE   0 0 14,875
IMPACT SHS TR I AFFORDABLE HOUS 45259R103   2,885,710 177,528 SH   SOLE   0 0 177,528
CONSTELLATION ENERGY CORP COM 21037T109   540,055 4,951 SH   SOLE   0 0 4,951
SSGA ACTIVE TR SPDR BLACKSTONE 78470P846   206,076 7,476 SH   SOLE   0 0 7,476
ZEROFOX HLDGS INC COM 98955G103   8,792 10,000 SH   SOLE   0 0 10,000
SCHWAB STRATEGIC TR MUN BD ETF 808524649   990,955 19,989 SH   SOLE   0 0 19,989