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
AT&T COM 00206R102   31,724 1,648 SH   SOLE   0 0 1,648
ARK ETF TR INNOVATION ETF 00214Q104   2,783 69 SH   SOLE   0 0 69
ADOBE INC COM 00724F101   22,351 58 SH   SOLE   0 0 58
ADVANCED MICRO DEVICES INC COM 007903107   39,204 400 SH   SOLE   0 0 400
AIRBNB INC COM CL A 009066101   871 7 SH   SOLE   0 0 7
ALBEMARLE CORP COM 012653101   18,125 82 SH   SOLE   0 0 82
ALPHABET INC CAP STK CL C 02079K107   25,480 245 SH   SOLE   0 0 245
ALPHABET INC CAP STK CL A 02079K305   130,077 1,254 SH   SOLE   0 0 1,254
AMAZON COM INC COM 023135106   334,040 3,234 SH   SOLE   0 0 3,234
APPLE INC COM 037833100   2,266,146 13,743 SH   SOLE   0 0 13,743
APPLIED MATLS INC COM 038222105   68,171 555 SH   SOLE   0 0 555
ASTRAZENECA PLC SPONSORED Adr 046353108   19,435 280 SH   SOLE   0 0 280
BANK AMER CORP COM 060505104   506,134 17,697 SH   SOLE   0 0 17,697
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778   184,833 5,851 SH   SOLE   0 0 5,851
BERSHIRE HATHAWAY INC DEL CL B NEW 084670702   203,171 658 SH   SOLE   0 0 658
BEST BUY INC COM 086516101   70,443 900 SH   SOLE   0 0 900
BRISTOL-MYERS SQUIBB CO COM 110122108   34,655 500 SH   SOLE   0 0 500
CVS HEALTH GROUP COM 126650100   181,465 2,442 SH   SOLE   0 0 2,442
CADENCE DESIGN SYSTEM INC COM 127387108   52,523 250 SH   SOLE   0 0 250
CANNAE HLDGS INC COM 13765N107   20 1 SH   SOLE   0 0 1
CHEVRON CORP NEW COM 166764100   14,799 91 SH   SOLE   0 0 91
COCA COLA CO COM 191216100   37,280 601 SH   SOLE   0 0 601
COINBASE GLOBAL INC COM CL A 19260Q107   68 1 SH   SOLE   0 0 1
COLLABORATIVE INVESTMENT SER RAREVIEW INFLATN 19423L532   19 1 SH   SOLE   0 0 1
COMCAST CORP NEW CL A 20030N101   948 25 SH   SOLE   0 0 25
CONAGRA BANDS INC COM 205887102   4,115 110 SH   SOLE   0 0 110
CORTEVA INC COM 22052L104   0 0 SH   SOLE   0 0 0
DXC TECHNOLOGY CO COM 23355L106   374 15 SH   SOLE   0 0 15
DELTA AIR LINES INC DEL COM NEW 247361702   349 10 SH   SOLE   0 0 10
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   157,334 5,838 SH   SOLE   0 0 5,838
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   127,135 2,857 SH   SOLE   0 0 2,857
DISNEY WALT CO COM DISNEY 254687106   5,107 51 SH   SOLE   0 0 51
DOLLAR GEN CORP NEW COM 256677105   37,883 180 SH   SOLE   0 0 180
DOLLAR TREE INC COM 256746108   746,460 5,200 SH   SOLE   0 0 5,200
DRAFTKINGS INC COM CL A 26142V105   1,936 100 SH   SOLE   0 0 100
DUPONT DE NEMOURS INC COM 26614N102   0 0 SH   SOLE   0 0 0
ECOLAB INC COM 278865100   993 6 SH   SOLE   0 0 6
ESSENTIAL PPTYS RLTY TR INC COM 29670E107   14,465 582 SH   SOLE   0 0 582
EXXON MOBIL CORP COM 30231G102   135,482 1,235 SH   SOLE   0 0 1,235
META PLATFORMS INC CL A 30303M102   1,484 7 SH   SOLE   0 0 7
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   975,338 21,203 SH   SOLE   0 0 21,203
FIDELITY NATL INFORMATION SV COM 31620M106   47,642 877 SH   SOLE   0 0 877
FIDELITY NATIONAL FINANCIAL FNF GROUP COM 31620R303   126 4 SH   SOLE   0 0 4
FIRST TR EXCHANGE TRADED FD INTL EQUITY OPP 33734X853   74,424 1,825 SH   SOLE   0 0 1,825
FORD MTR CO DEL COM 345370860   6,943 551 SH   SOLE   0 0 551
FORTUNE BRANDS HOME & SEC IN COM 34964C106   11,746 200 SH   SOLE   0 0 50
GENERAC HLDGS INC COM 368736104   5,401 50 SH   SOLE   0 0 50
GENERAL ELECTRIC CO COM NEW 369604301   28,680 300 SH   SOLE   0 0 300
GENERAL MLS INC COM 370334104   1,111 13 SH   SOLE   0 0 13
GENERAL MTRS CO COM 37045V100   35,506 968 SH   SOLE   0 0 960
GOLDMAN SACHS GROUP INC COM 38141G104   1,636 5 SH   SOLE   0 0 5
GRAPHIC PACKAGING HLDG CO COM 388689101   6,770,525 265,615 SH   SOLE   0 0 265,615
GROWGENERATION CORP COM 39986L109   342 100 SH   SOLE   0 0 100
HP INC COM 40434L105   6,435 219 SH   SOLE   0 0 219
HEWLETT PACKARD ENTERPRISE C COM 42824C109   3,280 206 SH   SOLE   0 0 206
HOME DEPOT INC COM 437076102   163,201 553 SH   SOLE   0 0 553
HONEYWELL INTL INC COM 438516106   4,778 25 SH   SOLE   0 0 25
IDEXX LABS INC COM 45168D104   12,502 25 SH   SOLE   0 0 25
INTEL CORP COM 458140100   11,644 356 SH   SOLE   0 0 356
INVESCO QQQ TR UNIT SER 1 46090E103   50,707 158 SH   SOLE   0 0 158
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   238 5,040 SH   SOLE   0 0 5,040
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   31,759 220 SH   SOLE   0 0 220
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354   94,162 1,509 SH   SOLE   0 0 1,509
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784   77 4 SH   SOLE   0 0 4
INVESCO EXCHNG TRADED FD TR SOLAR ETF 46138G706   15,293 197 SH   SOLE   0 0 197
INVESCO EXCHANGE TRADED FD T TREAS COLATERL 46138G888   61,238 580 SH   SOLE   0 0 580
ISHARES GOLD TR ISHARES NEW 464285204   73,320 1,962 SH   SOLE   0 0 1,962
ISHARES MSCI FRNTR100ETF 464286145   261 10 SH   SOLE   0 0 10
ISHARES MIN VOL EMRG MKT 464286533   206,133 3,777 SH   SOLE   0 0 3,777
ISHARES TR TIPS BD ETF 464287176   1,569,651 14,237 SH   SOLE   0 0 14,237
ISHARES TR CORE S&P500 ETF 464287200   4,863,464 11,831 SH   SOLE   0 0 11,831
ISHARES TR CORE US AGGBD ET 464287226   348,840 3,501 SH   SOLE   0 0 3,501
ISHARES TR IBOXX INV CP ETF 464287242   7,453 68 SH   SOLE   0 0 68
ISHARES TR S&P 500 GRWT ETF 464287309   923,264 14,451 SH   SOLE   0 0 14,451
ISHARES TR GLOBAL ENERG ETF 464287341   0 0 SH   SOLE   0 0 0
ISHARES TR S&P 500 VAL ETF 464287408   1,191,234 7,849 SH   SOLE   0 0 7,849
ISHARES TR 20 YR TR BD ETF 464287432   48,930 460 SH   SOLE   0 0 460
ISHARES TR RUS MD CAP GR ETF 464287499   12,978 186 SH   SOLE   0 0 186
ISHARES TR CORE S&P MCP ETF 464287507   4,625,612 18,491 SH   SOLE   0 0 18,491
ISHARES TR ISHARES SEMICDTR 464287523   25,791 58 SH   SOLE   0 0 58
ISHARES TR RUS 2000 VAL ETF 464287630   342,055 2,496 SH   SOLE   0 0 2,496
ISHARES TR RUS 2000 GRW ETF 464287648   340,498 1,501 SH   SOLE   0 0 1,501
ISHARES TR RUSSELL 2000 ETF 464287655   83,858 470 SH   SOLE   0 0 470
ISHARES TR U.S REAL ES ETF 464287739   190,978 2,249 SH   SOLE   0 0 2,249
ISHARES TR CORE S&P SCP ETF 464287804   1,871,764 19,356 SH   SOLE   0 0 19,356
ISHARES TR CORE SMC600VL ETF 464287879   300,517 3,211 SH   SOLE   0 0 3,211
ISHARES TR SP SMCP600GR ETF 464287887   297,498 2,706 SH   SOLE   0 0 2,706
ISHARES TR INTL TREA BD ETF 464288117   70,770 1,760 SH   SOLE   0 0 1,760
ISHARES TR MSCI ACWI EX US 464288240   4,337 89 SH   SOLE   0 0 89
ISHARES TR MSCI ACWI ETF 464288257   3,178 35 SH   SOLE   0 0 35
ISHARES TR EAFE SML CP ETF 464288273   136,934 2,292 SH   SOLE   0 0 136,934
ISHARES TR JP MOR EM MK ETF 464288281   126,952 1,471 SH   SOLE   0 0 1,471
ISHARES TR MRGSTR MD CP VAL 464288406   139,669 2,257 SH   SOLE   0 0 2,257
ISHARES TR IBOXX HI YD ETF 464288513   628,922 8,325 SH   SOLE   0 0 8,325
ISHARES TR ISHARES 46428Q109   39,462 1,784 SH   SOLE   0 0 1,784
ISHARES TR CORE HIGH DV ETF 46429B663   65,351 643 SH   SOLE   0 0 643
ISHARES TR MIN VOL EAFE ETF 46429B689   14,680 217 SH   SOLE   0 0 217
ISHARES TR MSCI USA MIN VOL 46429B697   25,692 353 SH   SOLE   0 0 353
ISHARES TR 0-5 YR TIPS ETF 46429B747   1,095,825 11,043 SH   SOLE   0 0 11,043
ISHARES US ETF TR SHT MAT BD ETF 46431W507   108,874 995 SH   SOLE   0 0 108,874
ISHARES TR USA QUALITY FCTR 46432F339   241,122 1,944 SH   SOLE   0 0 1,944
ISHARES TR USA MOMENTUM FCT 46432F396   12,096 87 SH   SOLE   0 0 87
ISHARES TR CORE MSCI TOTAL 46432F834   226,874 3,662 SH   SOLE   0 0 3,662
ISHARES TR CORES MSCI EAFE 46432F842   2,781,496 41,608 SH   SOLE   0 0 41,608
ISHARES TR CORE ST USDB ETF 46432F859   95,823 2,032 SH   SOLE   0 0 2,032
ISHARES INC CORE MSCI EMKT 46434G103   1,798,277 36,857 SH   SOLE   0 0 36,857
ISHARES TR MULTIFACTOR USA 46434V282   163,647 3,949 SH   SOLE   0 0 3,949
ISHARES TR MSCI INTL MOMENT 46434V449   13,197 408 SH   SOLE   0 0 408
ISHARES TR CORE DIV GRWTH 46434V621   89,305 1,786 SH   SOLE   0 0 1,786
JPMORGAN CHASE & CO COM 46625H100   15,880 122 SH   SOLE   0 0 122
JOHN HANCOCK EXCHAGE TRADED MULTIFACTOR MI 47804J206   34,234 715 SH   SOLE   0 0 715
JOHNSON & JOHNSON COM 478160104   345,856 2,231 SH   SOLE   0 0 2,231
KEARNY FINL CORP MD COM 48716P108   244 30 SH   SOLE   0 0 30
KROGER CO COM 501044101   839 17 SH   SOLE   0 0 17
LAMB WESTON HLDGS INC COM 513272104   3,360 32 SH   SOLE   0 0 32
LEVI STRAUSS & CO NEW CL A COM STK 52736R102   5,469 300 SH   SOLE   0 0 300
LILLY ELI & CO COM 532457108   921,739 2,684 SH   SOLE   0 0 2,684
LITHIUM AMERS CORP NEW COM NEW 53680Q207   15,754 724 SH   SOLE   0 0 724
LOCKHEED MARTIN CORP COM 539830109   15,127 32 SH   SOLE   0 0 32
LOWES COS INC COM 548661107   199,970 1,000 SH   SOLE   0 0 1,000
MPLX LP COM UNIT REP LTD 55336V100   24,115 700 SH   SOLE   0 0 700
MARVELL TECHNOLOGY COM UNIT REP LTD 573874104   2,641 61 SH   SOLE   0 0 61
MICROSOFT CORP COM 594918104   939,907 3,260 SH   SOLE   0 0 3,260
MONEYGRAM INTL INC COM NEW 60935Y208   188 18 SH   SOLE   0 0 18
NETFLIX INC COM 64110L106   24,529 71 SH   SOLE   0 0 71
NEXTERA ENERGY INC COM 65339F101   5,704 74 SH   SOLE   0 0 74
NIKOLA CORP COM 654110105   242 200 SH   SOLE   0 0 200
NVIDIA CORP COM 67066G104   265,035 954 SH   SOLE   0 0 954
ORACLE CORP COM 68389X105   27,876 300 SH   SOLE   0 0 300
PAYCHEX INC COM 704326107   22,578 197 SH   SOLE   0 0 197
PAYCOM SOFTWARE INC COM 70432V102   29,793 98 SH   SOLE   0 0 98
PEPSICO INC COM 713448108   22,058 121 SH   SOLE   0 0 121
PFIZER INC COM 717081103   97,920 2,400 SH   SOLE   0 0 2,400
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   259,131 2,731 SH   SOLE   0 0 2,731
PIMCO EFT TR 0-5 HIGH YIELD 72201R783   53,832 589 SH   SOLE   0 0 589
PROCTOR AND GAMBLE CO COM 742718109   175,752 1,182 SH   SOLE   0 0 1,182
PROLOGIS INC COM 74340W103   4,769 38 SH   SOLE   0 0 38
PROSHARES TR ULTRAPRO QQQ 74347X831   2,099 74 SH   SOLE   0 0 74
QUALCOMM INC COM 747525103   893 7 SH   SOLE   0 0 7
RAYTHEON TECHNOLOGIES CORP COM 75513E101   4,994 51 SH   SOLE   0 0 51
ROYAL BK CDA SUSTAINABL COM 780087102   6,499 68 SH   SOLE   0 0 68
RYDER SYS INC COM 783549108   190,617 2,136 SH   SOLE   0 0 2,136
SPDR S&P 500 ETF TR TR UNIT 78462F103   27,429 67 SH   SOLE   0 0 67
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   47,928 1,405 SH   SOLE   0 0 1,405
SPDR SER TR PRTFLO S&P500 HI 78468R788   16,454 433 SH   SOLE   0 0 433
SCHWAB CHARLES CORP COM 808513105   1,362 26 SH   SOLE   0 0 26
SCWAB STRATEGIC TR US LRG CAP ETF 808524201   1,973,109 40,792 SH   SOLE   0 0 40,792
SCWAB STRATEGIC TR US LCAP GR ETF 808524300   429,470 6,590 SH   SOLE   0 0 6,590
SCWAB STRATEGIC TR US LCAP GR ETF 808524409   428,303 6,531 SH   SOLE   0 0 6,531
SCWAB STRATEGIC TR US MID-CAP ETF 808524508   865,834 12,761 SH   SOLE   0 0 12,761
SCWAB STRATEGIC TR US SML CAP ETF 808524607   519,177 12,382 SH   SOLE   0 0 12,382
SCWAB STRATEGIC TR EMRD MKTEQ ETF 808524706   126,278 5,150 SH   SOLE   0 0 5,150
SCWAB STRATEGIC TR US DIVIDEND EQ 808524797   124,591 1,703 SH   SOLE   0 0 1,703
SCWAB STRATEGIC TR INTL EQTY ETF 808524805   528,473 15,186 SH   SOLE   0 0 15,186
SCWAB STRATEGIC TR US REIT ETF 808524847   157,131 8,058 SH   SOLE   0 0 8,058
SCWAB STRATEGIC TR SHT TM US TRES 808524862   1,525,072 31,257 SH   SOLE   0 0 31,257
SCWAB STRATEGIC TR US TIPS ETF 808524870   216,303 4,034 SH   SOLE   0 0 4,034
SCWAB STRATEGIC TR INTL SCEQT ETF 808524888   62,094 1,842 SH   SOLE   0 0 1,842
SNAP INC CL A 83304A106   11 1 SH   SOLE   0 0 1
SOUTHERN CO COM 842587107   146,605 2,107 SH   SOLE   0 0 2,107
STARBUCKS CORP COM 855244109   2,540 24 SH   SOLE   0 0 24
SYNOPSYS INC COM 871607107   48,281 125 SH   SOLE   0 0 125
T-MOBILE US INC COM 872590104   435 3 SH   SOLE   0 0 3
TESLA INC COM 88160R101   35,683 172 SH   SOLE   0 0 172
TORONTO DOMINION BK ONT COM NEW 891160509   599 10 SH   SOLE   0 0 10
TRUIST FINL CORP COM 89832Q109   91,286 2,677 SH   SOLE   0 0 2,677
UBER TECHNOLOGIES INC COM 90353T100   1,300 41 SH   SOLE   0 0 41
UNITED STS OIL FD LP UNITS 91232N207   46,043 693 SH   SOLE   0 0 693
UNITEDHEALTH GROUP INC COM 91324P102   35,993 76 SH   SOLE   0 0 76
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437   2,606,970 93,039 SH   SOLE   0 0 93,039
VANECK ETF TRUST MORNINGSTAR SMID 92189H730   49,685 1,747 SH   SOLE   0 0 2,627
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827   200,946 2,627 SH   SOLE   0 0 2,627
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   3,482 33 SH   SOLE   0 0 33
VANGUARD WORLD FDS UTILITIES ETF 92204A876   374 2 SH   SOLE   0 0 2
VANGUARD SCOTTSDALE FDS SHRT TMR CORP BD 92206C409   457 6 SH   SOLE   0 0 6
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,662,317 44,103 SH   SOLE   0 0 44,103
VIAD CORP COM NEW 92552R406   891 42 SH   SOLE   0 0 42
VIATRIS INC COM 92556V106   2,857 297 SH   SOLE   0 0 297
VISA INC COM CL A 92826C839   24,575 109 SH   SOLE   0 0 109
WABTEC COM 929740108   1,213 12 SH   SOLE   0 0 12
WALMART INC COM 931142103   76,527 519 SH   SOLE   0 0 519
WALGREENS BOOT ALLIANCE INC COM 931427108   27,664 800 SH   SOLE   0 0 800
WARNER BROS DISCOVERY INC COM SER A 934423104   6,010 398 SH   SOLE   0 0 398
WASTE MGMT INC DEL COM 94106L109   2,448 15 SH   SOLE   0 0 15
WELLS FARGO CO NEW COM 949746101   102,197 2,734 SH   SOLE   0 0 2,734
WESTLAKE CHEM PARTNERS LP COM UNIT RP LP 960417103   8,804 400 SH   SOLE   0 0 400
INVESCO LTD SHS G491BT108   16,400 1,000 SH   SOLE   0 0 1,200
MEDTRONIC PLC SHS G5960L103   48,372 600 SH   SOLE   0 0 600
CNH INDL N V SHS N20944109   2,550 167 SH   SOLE   0 0 167