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   27,653 1,648 SH   SOLE   0 0 1,648
ARK ETF TR INNOVATION ETF 00214Q104   3,614 69 SH   SOLE   0 0 69
ABBOTT LABS COM 002824100   8,806 80 SH   SOLE   0 0 80
ABBVIE INC COM 00287Y109   48,041 310 SH   SOLE   0 0 310
ADOBE INC COM 00724F101   38,779 65 SH   SOLE   0 0 65
ADVANCED MICRO DEVICES INC COM 007903107   59,996 407 SH   SOLE   0 0 407
AIRBNB INC COM CL A 009066101   953 7 SH   SOLE   0 0 7
AIR PRODS & CHEMS INC COM 009158106   35,078 128 SH   SOLE   0 0 128
ALBEMARLE CORP COM 012653101   13,793 95 SH   SOLE   0 0 95
ALPHABET INC CAP STK CL C 02079K107   34,528 245 SH   SOLE   0 0 245
ALPHABET INC CAP STK CL A 02079K305   294,187 2,106 SH   SOLE   0 0 2,106
AMAZON COM INC COM 023135106   502,314 3,306 SH   SOLE   0 0 3,306
AMERICAN TOWER CORP NEW COM 03027X100   5,020 23 SH   SOLE   0 0 23
AMGEN INC COM 031162100   6,048 21 SH   SOLE   0 0 21
ELEVANCE HEALTH INC COM 036752103   4,716 10 SH   SOLE   0 0 10
APPLE INC COM 037833100   2,805,597 14,572 SH   SOLE   0 0 14,572
APPLIED MATLS INC COM 038222105   98,539 608 SH   SOLE   0 0 608
ASTRAZENECA PLC SPONSORED Adr 046353108   18,858 280 SH   SOLE   0 0 280
AUTOMATIC DATA PROCESSING INC COM 053015103   19,104 82 SH   SOLE   0 0 82
BANK AMER CORP COM 060505104   592,983 17,611 SH   SOLE   0 0 17,611
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778   160,034 5,266 SH   SOLE   0 0 5,266
BERSHIRE HATHAWAY INC DEL CL B NEW 084670702   292,818 821 SH   SOLE   0 0 821
BEST BUY INC COM 086516101   70,452 900 SH   SOLE   0 0 900
BLACKROCK INC COM 09247X101   6,562 8 SH   SOLE   0 0 8
BOEING CO COM 097023105   4,953 19 SH   SOLE   0 0 19
BRISTOL-MYERS SQUIBB CO COM 110122108   25,655 500 SH   SOLE   0 0 500
BROADCOM INC COM 11135F101   79,288 71 SH   SOLE   0 0 71
CME GROUP INC COM 12572Q105   4,844 23 SH   SOLE   0 0 23
CVS HEALTH GROUP COM 126650100   193,651 2,452 SH   SOLE   0 0 2,452
CADENCE DESIGN SYSTEM INC COM 127387108   68,093 250 SH   SOLE   0 0 250
CANNAE HLDGS INC COM 13765N107   20 1 SH   SOLE   0 0 1
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   52,419 2,196 SH   SOLE   0 0 2,196
CARNIVAL CORP COMMON STOCK 143658300   593 32 SH   SOLE   0 0 32
CHENIERE ENERGY INC COM NEW 16411R208   5,121 30 SH   SOLE   0 0 30
CHEVRON CORP NEW COM 166764100   41,980 281 SH   SOLE   0 0 281
CISCO SYS INC COM 17275R102   16,672 330 SH   SOLE   0 0 330
CINTAS CORP COM 172908105   6,629 11 SH   SOLE   0 0 11
COCA COLA CO COM 191216100   56,164 953 SH   SOLE   0 0 953
COINBASE GLOBAL INC COM CL A 19260Q107   174 1 SH   SOLE   0 0 1
COMCAST CORP NEW CL A 20030N101   2,719 62 SH   SOLE   0 0 62
CONAGRA BANDS INC COM 205887102   3,246 113 SH   SOLE   0 0 113
CORNING INC COM 219350105   2,071 68 SH   SOLE   0 0 68
CORTEVA INC COM 22052L104   0 0 SH   SOLE   0 0 0
COSTCO WHSL CORP NEW COM 22160K105   15,842 24 SH   SOLE   0 0 14
DXC TECHNOLOGY CO COM 23355L106   335 14 SH   SOLE   0 0 14
DANAHER CORPORATION COM 235851102   5,089 22 SH   SOLE   0 0 22
DELL TECHNOLOGIES INC CL C 24703L202   5,049 66 SH   SOLE   0 0 66
DELTA AIR LINES INC DEL COM NEW 247361702   405 10 SH   SOLE   0 0 10
DEXCOM INC COM 252131107   9,183 74 SH   SOLE   0 0 74
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   253,841 8,863 SH   SOLE   0 0 8,863
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   111,917 2,138 SH   SOLE   0 0 2,138
DISNEY WALT CO COM DISNEY 254687106   4,605 51 SH   SOLE   0 0 51
DOLLAR GEN CORP NEW COM 256677105   23,927 176 SH   SOLE   0 0 176
DOLLAR TREE INC COM 256746108   738,660 5,200 SH   SOLE   0 0 5,200
DRAFTKINGS INC COM CL A 26142V105   3,525 100 SH   SOLE   0 0 100
DUPONT DE NEMOURS INC COM 26614N102   0 0 SH   SOLE   0 0 0
ECOLAB INC COM 278865100   3,185 16 SH   SOLE   0 0 16
ESSENTIAL PPTYS RLTY TR INC COM 29670E107   0 0 SH   SOLE   0 0 0
EVERSOURCE ENERGY COM 30040W108   3,086 50 SH   SOLE   0 0 50
EXELIXIS INC COM 30161Q104   4,054 169 SH   SOLE   0 0 169
EXXON MOBIL CORP COM 30231G102   100,458 1,004 SH   SOLE   0 0 1,004
META PLATFORMS INC CL A 30303M102   32,760 92 SH   SOLE   0 0 92
FASTERNAL CO COM 311900104   6,477 100 SH   SOLE   0 0 100
FIDELITY COVINGTON TRUST BLUE CHIP GRWTH 316092352   24,117 724 SH   SOLE   0 0 724
FIDELITY CONVINGTON TRUST ENHANCED MID 31609A503   11,143 408 SH   SOLE   0 0 408
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   1,672,466 36,326 SH   SOLE   0 0 36,326
FIDELITY NATL INFORMATION SV COM 31620M106   52,717 877 SH   SOLE   0 0 877
FIDELITY NATIONAL FINANCIAL FNF GROUP COM 31620R303   191 3 SH   SOLE   0 0 3
FIRST TR EXCHANGE TRADED FD INTL EQUITY OPP 33734X853   50,109 1,186 SH   SOLE   0 0 1,186
FISERV INC COM 337738108   7,306 55 SH   SOLE   0 0 55
FORD MTR CO DEL COM 345370860   7,590 622 SH   SOLE   0 0 622
FORTUNE BRANDS HOME & SEC IN COM 34964C106   15,228 200 SH   SOLE   0 0 200
GENERAC HLDGS INC COM 368736104   6,462 50 SH   SOLE   0 0 50
GENERAL ELECTRIC CO COM NEW 369604301   38,289 300 SH   SOLE   0 0 300
GENERAL MLS INC COM 370334104   1,249 19 SH   SOLE   0 0 19
GENERAL MTRS CO COM 37045V100   467 13 SH   SOLE   0 0 13
GRAPHIC PACKAGING HLDG CO COM 388689101   5,580,844 226,403 SH   SOLE   0 0 226,403
HP INC COM 40434L105   6,781 225 SH   SOLE   0 0 225
HEWLETT PACKARD ENTERPRISE C COM 42824C109   3,573 210 SH   SOLE   0 0 210
HOME DEPOT INC COM 437076102   81,439 235 SH   SOLE   0 0 235
HONEYWELL INTL INC COM 438516106   17,123 81 SH   SOLE   0 0 81
HUBBELL INC COM 443510607   8,552 26 SH   SOLE   0 0 26
IDEXX LABS INC COM 45168D104   13,876 25 SH   SOLE   0 0 25
ILLINOIS TOOL WKS INC COM 452308109   18,892 72 SH   SOLE   0 0 72
INTELLIA THEREAPEUTICS INC COM 45826J105   335 11 SH   SOLE   0 0 11
INTERNATIONAL BUSINESS MACHS COM 459200101   1,636 10 SH   SOLE   0 0 10
INVESCO QQQ TR UNIT SER 1 46090E103   176,913 432 SH   SOLE   0 0 432
INTUIT COM 461202103   8,750 14 SH   SOLE   0 0 14
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   260,157 4,810 SH   SOLE   0 0 4,810
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   34,719 220 SH   SOLE   0 0 220
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354   96,559 1,541 SH   SOLE   0 0 1,541
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784   82 4 SH   SOLE   0 0 4
INVESCO EXCHNG TRADED FD TR SOLAR ETF 46138G706   10,510 197 SH   SOLE   0 0 197
INVESCO EXCHANGE TRADED FD T TREAS COLATERL 46138G888   63,573 601 SH   SOLE   0 0 601
ISHARES GOLD TR ISHARES NEW 464285204   80,948 2,074 SH   SOLE   0 0 2,074
ISHARES MSCI FRNTR100ETF 464286145   278 10 SH   SOLE   0 0 10
ISHARES MIN VOL EMRG MKT 464286533   219,229 3,943 SH   SOLE   0 0 3,943
ISHARES TR TIPS BD ETF 464287176   569,991 5,302 SH   SOLE   0 0 5,302
ISHARES TR CORE S&P500 ETF 464287200   7,784,175 16,297 SH   SOLE   0 0 16,297
ISHARES TR CORE US AGGBD ET 464287226   360,079 3,628 SH   SOLE   0 0 3,628
ISHARES TR S&P 500 GRWT ETF 464287309   1,065,318 14,185 SH   SOLE   0 0 14,185
ISHARES TR GLOBAL ENERG ETF 464287341   0 0 SH   SOLE   0 0 0
ISHARES TR S&P 500 VAL ETF 464287408   1,238,040 7,119 SH   SOLE   0 0 7,119
ISHARES TR 20 YR TR BD ETF 464287432   45,485 460 SH   SOLE   0 0 460
ISHARES TR RUS MD CAP GR ETF 464287499   14,597 187 SH   SOLE   0 0 187
ISHARES TR CORE S&P MCP ETF 464287507   5,307,317 19,149 SH   SOLE   0 0 19,149
ISHARES TR ISHARES SEMICDTR 464287523   69,708 121 SH   SOLE   0 0 121
ISHARES TR RUS 1000 GRW ETF 464287614   77,915 257 SH   SOLE   0 0 257
ISHARES TR RUS 2000 VAL ETF 464287630   357,934 2,303 SH   SOLE   0 0 2,303
ISHARES TR RUS 2000 GRW ETF 464287648   393,623 1,560 SH   SOLE   0 0 1,560
ISHARES TR RUSSELL 2000 ETF 464287655   94,441 470 SH   SOLE   0 0 470
ISHARES TR U.S REAL ES ETF 464287739   206,006 2,253 SH   SOLE   0 0 2,253
ISHARES TR CORE S&P SCP ETF 464287804   2,248,269 20,769 SH   SOLE   0 0 20,769
ISHARES TR CORE SMC600VL ETF 464287879   304,366 2,953 SH   SOLE   0 0 2,953
ISHARES TR SP SMCP600GR ETF 464287887   303,967 2,429 SH   SOLE   0 0 2,429
ISHARES TR INTL TREA BD ETF 464288117   79,519 1,924 SH   SOLE   0 0 1,924
ISHARES TR MSCI ACWI EX US 464288240   4,678 91 SH   SOLE   0 0 91
ISHARES TR MSCI ACWI ETF 464288257   3,618 35 SH   SOLE   0 0 35
ISHARES TR EAFE SML CP ETF 464288273   159,195 2,571 SH   SOLE   0 0 2,571
ISHARES TR JP MOR EM MK ETF 464288281   122,043 1,370 SH   SOLE   0 0 1,370
ISHARES TR MRGSTR MD CP VAL 464288406   132,446 1,955 SH   SOLE   0 0 1,955
ISHARES TR IBOXX HI YD ETF 464288513   520,020 6,719 SH   SOLE   0 0 6,719
ISHARES TR ISHS 5-10YR INVT 464288638   418,751 8,052 SH   SOLE   0 0 8,052
ISHARES TR ISHARES 46428Q109   39,814 1,828 SH   SOLE   0 0 1,828
ISHARES TR CORE HIGH DV ETF 46429B663   70,024 686 SH   SOLE   0 0 686
ISHARES TR MIN VOL EAFE ETF 46429B689   15,047 217 SH   SOLE   0 0 217
ISHARES TR MSCI USA MIN VOL 46429B697   28,515 365 SH   SOLE   0 0 365
ISHARES TR 0-5 YR TIPS ETF 46429B747   733,184 7,436 SH   SOLE   0 0 7,436
ISHARES US ETF TR BLACKROCK SH DUR 46431W507   98,648 1,952 SH   SOLE   0 0 1,952
ISHARES TR MSCI USA QLT FCT 46432F339   273,154 1,856 SH   SOLE   0 0 1,856
ISHARES TR MSCI USA MMENTM 46432F396   13,649 87 SH   SOLE   0 0 87
ISHARES TR CORE MSCI TOTAL 46432F834   218,108 3,359 SH   SOLE   0 0 3,359
ISHARES TR CORES MSCI EAFE 46432F842   3,015,402 42,862 SH   SOLE   0 0 42,862
ISHARES TR CORE 1 5 YR USD 46432F859   105,695 2,222 SH   SOLE   0 0 2,222
ISHARES INC CORE MSCI EMKT 46434G103   2,309,819 45,666 SH   SOLE   0 0 45,666
ISHARES TR U S EQUITY FACTR 46434V282   184,371 3,818 SH   SOLE   0 0 3,818
ISHARES TR EXPONENTIAL TECH 46434V381   32,030 535 SH   SOLE   0 0 535
ISHARES TR MSCI INTL MOMENT 46434V449   15,853 462 SH   SOLE   0 0 462
ISHARES TR CORE DIV GRWTH 46434V621   249,321 4,632 SH   SOLE   0 0 4,632
JPMORGAN CHASE & CO COM 46625H100   23,730 139 SH   SOLE   0 0 139
JOHN HANCOCK EXCHAGE TRADED MULTIFACTOR MI 47804J206   72,783 1,382 SH   SOLE   0 0 1,382
JOHNSON & JOHNSON COM 478160104   296,967 1,894 SH   SOLE   0 0 1,894
KEARNY FINL CORP MD COM 48716P108   269 30 SH   SOLE   0 0 30
KENVUE INC COM 49177J102   1,053 48 SH   SOLE   0 0 48
KEURIG DR PEPPER INC COM 49271V100   8,297 249 SH   SOLE   0 0 249
KINDER MORGAN INC DEL COM 49456B101   7,744 439 SH   SOLE   0 0 439
KROGER CO COM 501044101   967 21 SH   SOLE   0 0 21
L3HARRIS TECHNOLOGIES INC COM 502431109   1,502 7 SH   SOLE   0 0 7
LAMB RESEARCH CORP COM 512807108   788 1 SH   SOLE   0 0 1
LAMB WESTON HLDGS INC COM 513272104   3,503 32 SH   SOLE   0 0 32
LEVI STRAUSS & CO NEW CL A COM STK 52736R102   4,962 300 SH   SOLE   0 0 300
LILLY ELI & CO COM 532457108   1,529,045 2,623 SH   SOLE   0 0 2,623
LITHIUM AMERS CORP NEW COM SHS 53681J103   4,563 713 SH   SOLE   0 0 713
LITHIUM AMERICAS ARGENTINA C COM SHS 53681K100   4,279 677 SH   SOLE   0 0 677
LOCKHEED MARTIN CORP COM 539830109   43,382 95 SH   SOLE   0 0 95
LOWES COS INC COM 548661107   222,550 1,000 SH   SOLE   0 0 1,000
MPLX LP COM UNIT REP LTD 55336V100   25,704 700 SH   SOLE   0 0 700
MARSH & MCLENNAN COS INC COM 571748102   32,968 174 SH   SOLE   0 0 174
MARVELL TECHNOLOGY COM 573874104   411 74 SH   SOLE   0 0 74
MASTERCARD INCORPORATED CL A 57636Q104   12,369 29 SH   SOLE   0 0 29
MCDONALDS CORP COM 580135101   37,953 128 SH   SOLE   0 0 128
MERCK & CO INC COM 58933Y105   38,920 357 SH   SOLE   0 0 357
MICROSOFT CORP COM 594918104   1,490,934 3,964 SH   SOLE   0 0 3,964
MONDELEZ INTL INC CL A 609207105   38,315 529 SH   SOLE   0 0 529
MONSTER BEVERAGE CORP NEW COM 61174X109   5,934 103 SH   SOLE   0 0 103
MULLEN AUTOMOTIVE INC COM NEW 62526P406   14 1 SH   SOLE   0 0 1
NETFLIX INC COM 64110L106   42,476 87 SH   SOLE   0 0 87
NEXTERA ENERGY INC COM 65339F101   27,826 458 SH   SOLE   0 0 458
NIKE INC CL B 654106103   7,491 69 SH   SOLE   0 0 69
NVIDIA CORP COM 67066G104   522,053 1,054 SH   SOLE   0 0 1,054
OCCIDENTAL PETE CORP COM 674599105   959 16 SH   SOLE   0 0 16
OLD DOMINION FREIGHT LINE IN COM 979580100   1,627 4 SH   SOLE   0 0 4
ON SEMICONDUCTOR CORP COM 682189105   1,504 18 SH   SOLE   0 0 18
ORACLE CORP COM 68389X105   37,322 354 SH   SOLE   0 0 354
PNC FINL SVCS GROUP INC COM 693475105   16,259 105 SH   SOLE   0 0 105
PALO ALTO NETWORKS INC COM 697435105   1,474 5 SH   SOLE   0 0 5
PAYCHEX INC COM 704326107   36,571 307 SH   SOLE   0 0 307
PAYCOM SOFTWARE INC COM 70432V102   20,322 98 SH   SOLE   0 0 98
PEPSICO INC COM 713448108   52,481 309 SH   SOLE   0 0 309
PFIZER INC COM 717081103   68,837 2,391 SH   SOLE   0 0 2,391
PHILLIPS 66 COM 718546104   18,240 137 SH   SOLE   0 0 137
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   223,255 2,356 SH   SOLE   0 0 2,356
PIMCO EFT TR 0-5 HIGH YIELD 72201R783   10,890 117 SH   SOLE   0 0 117
PROCTOR AND GAMBLE CO COM 742718109   209,703 1,431 SH   SOLE   0 0 1,431
PROLOGIS INC COM 74340W103   32,323 242 SH   SOLE   0 0 242
PROSHARES TR ULTRAPRO QQQ 74347X831   11,120 219 SH   SOLE   0 0 219
QUALCOMM INC COM 747525103   11,715 81 SH   SOLE   0 0 81
RTX CORPORATION COM 75513E101   12,014 142 SH   SOLE   0 0 142
REALTY INCOME CORP COM 756109104   13,896 242 SH   SOLE   0 0 242
REGIONS FINANCIAL CORP NEW COM 7591EP100   4,496 232 SH   SOLE   0 0 232
ROYAL BK CDA SUSTAINABL COM 780087102   6,776 67 SH   SOLE   0 0 67
RYDER SYS INC COM 783549108   245,768 2,136 SH   SOLE   0 0 2,136
SPDR S&P 500 ETF TR TR UNIT 78462F103   160,179 337 SH   SOLE   0 0 337
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   120,123 3,532 SH   SOLE   0 0 3,532
SPDR SER TR PORT MTG BK ETF 78464A383   330,039 14,954 SH   SOLE   0 0 14,954
SPDR SER TR PRTFLO S&P500 GW 78464A409   66,361 1,020 SH   SOLE   0 0 1,020
SPDR SER TR PRTFLO S&P500 VL 78464A508   102,773 2,204 SH   SOLE   0 0 2,204
SPDR SER TR PORTFOLIO LN TSR 78464A664   38,364 1,322 SH   SOLE   0 0 1,322
SPDR SER TR PORTFLI INTRMDIT 78464A672   484,089 16,949 SH   SOLE   0 0 16,949
SPDR SER TR PORTFOLIO S&P400 78464A847   714,198 14,659 SH   SOLE   0 0 14,659
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   15,514 370 SH   SOLE   0 0 370
SPDR SER TR S&P KENSHO NEW 78468R648   31,756 680 SH   SOLE   0 0 680
SPDR SER TR PRTFLO S&P500 HI 78468R788   94,174 2,403 SH   SOLE   0 0 2,403
SALESFORCE INC COM 79466L302   10,789 41 SH   SOLE   0 0 41
SCHWAB CHARLES CORP COM 808513105   12,384 180 SH   SOLE   0 0 180
SCWAB STRATEGIC TR US LRG CAP ETF 808524201   2,399,256 42,540 SH   SOLE   0 0 42,540
SCWAB STRATEGIC TR US LCAP GR ETF 808524300   601,377 7,249 SH   SOLE   0 0 7,249
SCWAB STRATEGIC TR US LCAP GR ETF 808524409   485,583 6,927 SH   SOLE   0 0 6,927
SCWAB STRATEGIC TR US MID-CAP ETF 808524508   1,095,981 14,551 SH   SOLE   0 0 14,551
SCWAB STRATEGIC TR US SML CAP ETF 808524607   580,816 12,295 SH   SOLE   0 0 12,295
SCWAB STRATEGIC TR EMRD MKTEQ ETF 808524706   105,481 4,255 SH   SOLE   0 0 4,255
SCWAB STRATEGIC TR 1000 INDEX ETF 808524722   86,731 1,883 SH   SOLE   0 0 1,883
SCWAB STRATEGIC TR US DIVIDEND EQ 808524797   126,985 1,668 SH   SOLE   0 0 1,668
SCWAB STRATEGIC TR INTL EQTY ETF 808524805   555,361 15,026 SH   SOLE   0 0 15,026
SCWAB STRATEGIC TR US REIT ETF 808524847   211,263 10,201 SH   SOLE   0 0 10,201
SCWAB STRATEGIC TR SHT TM US TRES 808524862   1,331,720 27,486 SH   SOLE   0 0 27,486
SCWAB STRATEGIC TR US TIPS ETF 808524870   669,963 12,834 SH   SOLE   0 0 12,834
SCWAB STRATEGIC TR INTL SCEQT ETF 808524888   47,032 1,348 SH   SOLE   0 0 1,348
SEMPRA COM 816851109   24,362 326 SH   SOLE   0 0 326
SERVICENOW INC COM 81762P102   13,423 19 SH   SOLE   0 0 19
SNAP INC CL A 83304A106   17 1 SH   SOLE   0 0 1
SOUTHERN CO COM 842587107   140,694 2,006 SH   SOLE   0 0 2,006
STARBUCKS CORP COM 855244109   37,873 394 SH   SOLE   0 0 394
SYNOPSYS INC COM 871607107   72,087 140 SH   SOLE   0 0 140
TJX COS INC NEW COM 872540109   6,848 73 SH   SOLE   0 0 73
T-MOBILE US INC COM 872590104   3,375 21 SH   SOLE   0 0 21
TAKE- TWO INTERACTIVE SOFTWAR COM 874054109   3,702 23 SH   SOLE   0 0 23
TESLA INC COM 88160R101   69,823 281 SH   SOLE   0 0 281
TEXAS INSTRS INC COM 882508104   23,353 137 SH   SOLE   0 0 137
TORONTO DOMINION BK ONT COM NEW 891160509   646 10 SH   SOLE   0 0 10
TRAVELERS COMPANIES INC COM 89417E109   20,954 110 SH   SOLE   0 0 110
TRUIST FINL CORP COM 89832Q109   91,599 2,481 SH   SOLE   0 0 2,481
US BANKCORP DEL COM NEW 902973304   19,130 442 SH   SOLE   0 0 442
UBER TECHNOLOGIES INC COM 90353T100   2,524 41 SH   SOLE   0 0 41
UNION PAC CORP COM 907818108   5,649 23 SH   SOLE   0 0 23
UNITED PARCEL SERVICE INC CL B 911312106   1,101 7 SH   SOLE   0 0 7
UNITED STS OIL FD LP UNITS 91232N207   68,916 1,034 SH   SOLE   0 0 1,034
UNITEDHEALTH GROUP INC COM 91324P102   53,654 101 SH   SOLE   0 0 101
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437   3,425,712 119,030 SH   SOLE   0 0 119,030
VANECK ETF TRUST MORNINGSTAR SMID 92189H730   17,597 558 SH   SOLE   0 0 558
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   88,400 518 SH   SOLE   0 0 518
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827   85,261 1,107 SH   SOLE   0 0 1,107
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   783,440 16,355 SH   SOLE   0 0 16,355
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   4,354 39 SH   SOLE   0 0 39
VANGUARD SCOTTSDALE FDS SHRT TMR CORP BD 92206C409   464 6 SH   SOLE   0 0 6
VEEVA SYS INC CL A COM 922475108   4,620 24 SH   SOLE   0 0 24
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,966,079 44,885 SH   SOLE   0 0 44,885
VANGUARD INDEX FDS LARGE CAP ETF 922908637   499,673 2,290 SH   SOLE   0 0 2,290
VANGUARD INDEX FDS TOTAL STK MKT 922908769   87,189 367 SH   SOLE   0 0 367
VERISK ANALYTICS INC COM 92345Y106   6,210 26 SH   SOLE   0 0 26
VIAD CORP COM NEW 92552R406   1,547 42 SH   SOLE   0 0 42
VIATRIS INC COM 92556V106   2,686 248 SH   SOLE   0 0 248
VISA INC COM CL A 92826C839   46,899 180 SH   SOLE   0 0 180
WEC ENERGY GROUP INC COM 92939U106   10,774 128 SH   SOLE   0 0 128
WABTEC COM 929740108   1,523 12 SH   SOLE   0 0 12
WALMART INC COM 931142103   97,351 617 SH   SOLE   0 0 617
WALGREENS BOOT ALLIANCE INC COM 931427108   20,888 800 SH   SOLE   0 0 800
WARNER BROS DISCOVERY INC COM SER A 934423104   4,529 398 SH   SOLE   0 0 398
WASTE MGMT INC DEL COM 94106L109   1,075 6 SH   SOLE   0 0 6
WELLS FARGO CO NEW COM 949746101   134,567 2,734 SH   SOLE   0 0 2,734
WILLIAMS COS INC COM 969457100   20,585 591 SH   SOLE   0 0 591
ZOETIS INC CL A 98978V103   8,092 41 SH   SOLE   0 0 41
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   8,422 24 SH   SOLE   0 0 24
EATON CORP PLC SHS G29183103   29,380 122 SH   SOLE   0 0 122
EVEREST GROUP LTD COM G3223R108   4,597 13 SH   SOLE   0 0 13
INVESCO LTD SHS G491BT108   17,840 1,000 SH   SOLE   0 0 1,200
JOHNSON CTLS INTL PLC SHS G51502105   1,153 20 SH   SOLE   0 0 20
LINDE PLC SHS G54950103   7,393 18 SH   SOLE   0 0 18
MEDTRONIC PLC SHS G5960L103   47,016 600 SH   SOLE   0 0 600
CRISPR THERAPEUTICS AG NAMEN AKT H17182108   1,315 21 SH   SOLE   0 0 21
NXP SEMICONDUCTORS N V COM N6596X109   10,336 45 SH   SOLE   0 0 45
CNH INDL N V SHS N20944109   2,034 167 SH   SOLE   0 0 167