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
AT&T COM 00206R102 25 1,648 SH   SOLE   0 0 1,648
ARK ETF TR INNOVATION ETF 00214Q104 3 69 SH   SOLE   0 0 69
ADOBE INC COM 00724F101 15 55 SH   SOLE   0 0 55
ADVANCED MICRO DEVICES INC COM 007903107 25 400 SH   SOLE   0 0 400
AIRBNB INC COM CL A 009066101 1 8 SH   SOLE   0 0 8
ALIBABA GROUP HLDG LTD SPONSORED ADS 01607W102 8 100 SH   SOLE   0 0 100
ALPHABET INC CAP STK CL C 02079K107 24 245 SH   SOLE   0 0 245
ALPHABET INC CAP STK CL A 02079K305 45 474 SH   SOLE   0 0 474
AMAZON COM INC COM 023135106 195 1,724 SH   SOLE   0 0 1,724
APPLE INC COM 037833100 1,919 13,883 SH   SOLE   0 0 13,883
APPLIED MATLS INC COM 038222105 45 555 SH   SOLE   0 0 555
ASTRAZENECA PLC SPONSORED Adr 046353108 15 280 SH   SOLE   0 0 280
BANK AMER CORP COM 060505104 556 18,427 SH   SOLE   0 0 18,427
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778 194 5,907 SH   SOLE   0 0 5,907
BERSHIRE HATHAWAY INC DEL CL B NEW 084670702 122 458 SH   SOLE   0 0 458
BEST BUY INC COM 086516101 57 900 SH   SOLE   0 0 900
BLINK CHARGING CO COM 09354A100 0 10 SH   SOLE   0 0 10
BOEING CO COM 097023105 0 3 SH   SOLE   0 0 3
BRISTOL-MYERS SQUIBB CO COM 110122108 36 500 SH   SOLE   0 0 500
CVS HEALTH GROUP COM 126650100 229 2,400 SH   SOLE   0 0 2,400
CADENCE DESIGN SYSTEM INC COM 127387108 41 250 SH   SOLE   0 0 250
CANNAE HLDGS INC COM 13765N107 0 1 SH   SOLE   0 0 1
CISCO SYS INC COM 17275R102 3 81 SH   SOLE   0 0 81
COCA COLA CO COM 191216100 24 432 SH   SOLE   0 0 432
COINBASE GLOBAL INC COM CL A 19260Q107 0 1 SH   SOLE   0 0 1
CONAGRA BANDS INC COM 205887102 4 107 SH   SOLE   0 0 107
CORTEVA INC COM 22052L104 0 0 SH   SOLE   0 0 0
DXC TECHNOLOGY CO COM 23355L106 0 14 SH   SOLE   0 0 14
DELTA AIR LINES INC DEL COM NEW 247361702 0 10 SH   SOLE   0 0 10
DISNEY WALT CO COM DISNEY 254687106 5 51 SH   SOLE   0 0 51
DOLLAR TREE INC COM 256746108 708 5,200 SH   SOLE   0 0 5,200
DRAFTKINGS INC COM CL A 26142V105 2 106 SH   SOLE   0 0 106
DUPONT DE NEMOURS INC COM 26614N102 0 0 SH   SOLE   0 0 0
ESSENTIAL PPTYS RLTY TR INC COM 29670E107 11 567 SH   SOLE   0 0 567
EXXON MOBIL CORP COM 30231G102 91 1,038 SH   SOLE   0 0 1,038
META PLATFORMS INC CL A 30303M102 1 6 SH   SOLE   0 0 6
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 379 8,538 SH   SOLE   0 0 8,538
FIDELITY NATL INFORMATION SV COM 31620M106 66 876 SH   SOLE   0 0 876
FIDELITY NATIONAL FINANCIAL FNF GROUP COM 31620R303 0 3 SH   SOLE   0 0 3
FIRST TR EXCHANGE TRADED FD INTL EQUITY OPP 33734X853 87 2,433 SH   SOLE   0 0 2,433
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 60 1,371 SH   SOLE   0 0 1,371
FORD MTR CO DEL COM 345370860 6 511 SH   SOLE   0 0 511
FORTUNE BRANDS HOME & SEC IN COM 34964C106 11 200 SH   SOLE   0 0 50
GENERAC HLDGS INC COM 368736104 9 50 SH   SOLE   0 0 50
GENERAL ELECTRIC CO COM 369604301 40 650 SH   SOLE   0 0 650
GENERAL MTRS CO COM 37045V100 31 960 SH   SOLE   0 0 960
GRAPHIC PACKAGING HLDG CO COM 388689101 4,391 222,440 SH   SOLE   0 0 222,440
GROWGENERATION CORP COM 39986L109 0 100 SH   SOLE   0 0 100
HP INC COM 40434L105 5 215 SH   SOLE   0 0 215
HEWLETT PACKARD ENTERPRISE C COM 42824C109 2 202 SH   SOLE   0 0 202
HOME DEPOT INC COM 437076102 169 611 SH   SOLE   0 0 611
IDEXX LABS INC COM 45168D104 8 25 SH   SOLE   0 0 25
INTEL CORP COM 458140100 9 349 SH   SOLE   0 0 349
INVESCO QQQ TR UNIT SER 1 46090E103 24 91 SH   SOLE   0 0 91
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 200 5,026 SH   SOLE   0 0 5,026
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 28 219 SH   SOLE   0 0 219
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354 86 1,495 SH   SOLE   0 0 1,495
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 0 4 SH   SOLE   0 0 4
INVESCO EXCHNG TRADED FD TR SOLAR ETF 46138G706 15 197 SH   SOLE   0 0 197
INVESCO EXCHANGE TRADED FD T TREAS COLATERL 46138G888 60 569 SH   SOLE   0 0 569
IQVIA HLDGS INC COM 46266C105 27 150 SH   SOLE   0 0 150
ISHARES GOLD TR ISHARES NEW 464285204 40 1,274 SH   SOLE   0 0 1,274
ISHARES MSCI FRNTR100ETF 464286145 0 10 SH   SOLE   0 0 10
ISHARES GLB ENR PROD ETF 464286343 0 11 SH   SOLE   0 0 11
ISHARES MIN VOL EMRG MKT 464286533 191 3,763 SH   SOLE   0 0 3,763
ISHARES TR TIPS BD ETF 464287176 1,465 13,967 SH   SOLE   0 0 13,967
ISHARES TR CORE S&P500 ETF 464287200 4,252 11,854 SH   SOLE   0 0 11,854
ISHARES TR CORE US AGGBD ET 464287226 410 4,252 SH   SOLE   0 0 4,252
ISHARES TR IBOXX INV CP ETF 464287242 7 68 SH   SOLE   0 0 68
ISHARES TR S&P 500 GRWT ETF 464287309 833 14,393 SH   SOLE   0 0 14,393
ISHARES TR GLOBAL ENERG ETF 464287341 0 0 SH   SOLE   0 0 0
ISHARES TR S&P 500 VAL ETF 464287408 1,061 8,254 SH   SOLE   0 0 8,254
ISHARES TR 20 YR TR BD ETF 464287432 47 460 SH   SOLE   0 0 460
ISHARES TR RUS MD CAP GR ETF 464287499 12 187 SH   SOLE   0 0 187
ISHARES TR CORE S&P MCP ETF 464287507 4,081 18,614 SH   SOLE   0 0 18,614
ISHARES TR RUS 2000 VAL ETF 464287630 307 2,381 SH   SOLE   0 0 2,381
ISHARES TR RUS 2000 GRW ETF 464287648 300 1,450 SH   SOLE   0 0 1,450
ISHARES TR RUSSELL 2000 ETF 464287655 77 469 SH   SOLE   0 0 469
ISHARES TR U.S REAL ES ETF 464287739 187 2,293 SH   SOLE   0 0 2,293
ISHARES TR CORE S&P SCP ETF 464287804 1,653 18,961 SH   SOLE   0 0 18,961
ISHARES TR CORE SMC600VL ETF 464287879 273 3,317 SH   SOLE   0 0 3,317
ISHARES TR SP SMCP600GR ETF 464287887 278 2,737 SH   SOLE   0 0 2,737
ISHARES TR INTL TREA BD ETF 464288117 66 1,792 SH   SOLE   0 0 1,792
ISHARES TR MSCI ACWI EX US 464288240 4 88 SH   SOLE   0 0 88
ISHARES TR MSCI ACWI ETF 464288257 3 34 SH   SOLE   0 0 34
ISHARES TR EAFE SML CP ETF 464288273 114 2,341 SH   SOLE   0 0 2,341
ISHARES TR JP MOR EM MK ETF 464288281 151 1,904 SH   SOLE   0 0 1,904
ISHARES TR IBOXX HI YD ETF 464288513 559 7,836 SH   SOLE   0 0 7,836
ISHARES TR CORE HIGH DV ETF 46429B663 54 588 SH   SOLE   0 0 588
ISHARES TR MIN VOL EAFE ETF 46429B689 12 217 SH   SOLE   0 0 217
ISHARES TR MSCI USA MIN VOL 46429B697 26 393 SH   SOLE   0 0 393
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,486 15,466 SH   SOLE   0 0 15,466
ISHARES US ETF TR SHT MAT BD ETF 46431W507 57 1,151 SH   SOLE   0 0 1,151
ISHARES TR USA QUALITY FCTR 46432F339 219 2,105 SH   SOLE   0 0 2,105
ISHARES TR USA MOMENTUM FCT 46432F396 11 87 SH   SOLE   0 0 87
ISHARES TR CORE MSCI TOTAL 46432F834 188 3,701 SH   SOLE   0 0 3,701
ISHARES TR CORES MSCI EAFE 46432F842 2,442 46,367 SH   SOLE   0 0 46,367
ISHARES TR CORE ST USDB ETF 46432F859 102 2,204 SH   SOLE   0 0 2,204
ISHARES INC CORE MSCI EMKT 46434G103 1,611 37,487 SH   SOLE   0 0 37,487
ISHARES TR MULTIFACTOR USA 46434V282 153 4,234 SH   SOLE   0 0 4,234
ISHARES TR MSCI INTL MOMENT 46434V449 10 389 SH   SOLE   0 0 389
ISHARES TR CORE DIV GRWTH 46434V621 64 1,437 SH   SOLE   0 0 1,437
JPMORGAN CHASE & CO COM 46625H100 13 120 SH   SOLE   0 0 120
JOHNSON & JOHNSON COM 478160104 350 2,143 SH   SOLE   0 0 2,143
KEARNY FINL CORP MD COM 48716P108 0 30 SH   SOLE   0 0 30
LAMB WESTON HLDGS INC COM 513272104 2 31 SH   SOLE   0 0 31
LEVI STRAUSS & CO NEW CL A COM STK 52736R102 4 300 SH   SOLE   0 0 300
LILLY ELI & CO COM 532457108 849 2,627 SH   SOLE   0 0 2,627
LOWES COS INC COM 548661107 188 1,000 SH   SOLE   0 0 1,000
MP MATERIALS CORP COM CL A 553368101 27 1,000 SH   SOLE   0 0 1,000
MPLX LP COM UNIT REP LTD 55336V100 21 700 SH   SOLE   0 0 700
MICRO FOCUS INTERNATIONAL PL SPON ADR NEW 594837403 0 19 SH   SOLE   0 0 19
MICROSOFT CORP COM 594918104 629 2,700 SH   SOLE   0 0 2,700
MONEYGRAM INTL INC COM NEW 60935Y208 0 18 SH   SOLE   0 0 18
NETFLIX INC COM 64110L106 17 73 SH   SOLE   0 0 73
NIKOLA CORP COM 654110105 1 205 SH   SOLE   0 0 205
PALO ALTO NETWORKS INC COM 697435105 29 180 SH   SOLE   0 0 180
NVIDIA CORP COM 67066G104 106 871 SH   SOLE   0 0 871
PAYCHEX INC COM 704326107 22 197 SH   SOLE   0 0 197
PAYCOM SOFTWARE INC COM 70432V102 32 98 SH   SOLE   0 0 98
PFIZER INC COM 717081103 88 2,000 SH   SOLE   0 0 2,000
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 229 2,415 SH   SOLE   0 0 2,415
PIMCO EFT TR 0-5 HIGH YIELD 72201R783 70 803 SH   SOLE   0 0 803
PROCTOR AND GAMBLE CO COM 742718109 142 1,128 SH   SOLE   0 0 1,128
PROSHARES TR ULTRAPRO QQQ 74347X831 1 72 SH   SOLE   0 0 72
RYDER SYS INC COM 783549108 161 2,136 SH   SOLE   0 0 2,136
SPDR S&P 500 ETF TR TR UNIT 78462F103 11 30 SH   SOLE   0 0 30
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 57 1,406 SH   SOLE   0 0 1,406
SPDR SER TR PRTFLO S&P500 HI 78468R788 4 100 SH   SOLE   0 0 100
SCWAB STRATEGIC TR US LRG CAP ETF 808524201 1,725 40,725 SH   SOLE   0 0 40,725
SCWAB STRATEGIC TR US LCAP GR ETF 808524300 364 6,516 SH   SOLE   0 0 6,516
SCWAB STRATEGIC TR US LCAP GR ETF 808524409 382 6,531 SH   SOLE   0 0 6,531
SCWAB STRATEGIC TR US MID-CAP ETF 808524508 761 12,567 SH   SOLE   0 0 12,567
SCWAB STRATEGIC TR US SML CAP ETF 808524607 462 12,217 SH   SOLE   0 0 12,217
SCWAB STRATEGIC TR EMRD MKTEQ ETF 808524706 105 4,686 SH   SOLE   0 0 4,686
SCWAB STRATEGIC TR US DIVIDEND EQ 808524797 109 1,645 SH   SOLE   0 0 1,645
SCWAB STRATEGIC TR INTL EQTY ETF 808524805 407 14,485 SH   SOLE   0 0 14,485
SCWAB STRATEGIC TR US REIT ETF 808524847 137 7,348 SH   SOLE   0 0 7,348
SCWAB STRATEGIC TR SHT TM US TRES 808524862 582 12,062 SH   SOLE   0 0 12,062
SCWAB STRATEGIC TR US TIPS ETF 808524870 119 2,304 SH   SOLE   0 0 2,304
SCWAB STRATEGIC TR INTL SCEQT ETF 808524888 49 1,755 SH   SOLE   0 0 1,755
SNAP INC CL A 83304A106 0 23 SH   SOLE   0 0 23
SOUTHERN CO COM 842587107 142 2,090 SH   SOLE   0 0 2,090
BLOCK INC CL A 852234103 12 220 SH   SOLE   0 0 220
STARBUCKS CORP COM 855244109 2 25 SH   SOLE   0 0 25
SYNOPSYS INC COM 871607107 38 125 SH   SOLE   0 0 125
TESLA INC COM 88160R101 37 138 SH   SOLE   0 0 138
TETRA TECH INC NEW COM 88162G103 39 300 SH   SOLE   0 0 300
TORONTO DOMINION BK ONT COM NEW 891160509 1 10 SH   SOLE   0 0 10
TRUIST FINL CORP COM 89832Q109 124 2,837 SH   SOLE   0 0 2,837
UBER TECHNOLOGIES INC COM 90353T100 2 68 SH   SOLE   0 0 68
UNITED STS OIL FD LP UNITS 91232N207 43 662 SH   SOLE   0 0 662
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437 2,107 80,323 SH   SOLE   0 0 80,323
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 264 3,533 SH   SOLE   0 0 3,533
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 4 42 SH   SOLE   0 0 42
VANGUARD WORLD FDS UTILITIES ETF 92204A876 24 171 SH   SOLE   0 0 164
VANGUARD SCOTTSDALE FDS SHRT TMR CORP BD 92206C409 0 6 SH   SOLE   0 0 6
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2 7 SH   SOLE   0 0 7
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,121 38,935 SH   SOLE   0 0 38,935
VIAD CORP COM NEW 92552R406 1 42 SH   SOLE   0 0 42
VIATRIS INC COM 92556V106 2 248 SH   SOLE   0 0 248
VISA INC COM CL A 92826C839 20 113 SH   SOLE   0 0 113
WABTEC COM 929740108 1 12 SH   SOLE   0 0 12
WALMART INC COM 931142103 62 480 SH   SOLE   0 0 480
WALGREENS BOOT ALLIANCE INC COM 931427108 25 800 SH   SOLE   0 0 800
WARNER BROS DISCOVERY INC COM SER A 934423104 5 398 SH   SOLE   0 0 398
WELLS FARGO CO NEW COM 949746101 110 2,734 SH   SOLE   0 0 2,734
WESTLAKE CHEM PARTNERS LP COM UNIT RP LP 960417103 9 400 SH   SOLE   0 0 400
INVESCO LTD SHS G491BT108 14 1,000 SH   SOLE   0 0 1,200
MEDTRONIC PLC SHS G5960L103 48 600 SH   SOLE   0 0 600
CHECK POINT SOFTWARE TECH LT ORD M22465104 20 180 SH   SOLE   0 0 180
CNH INDL N V SHS N20944109 2 167 SH   SOLE   0 0 167