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
2U INC COM 90214J101   73,542 29,774 SH   SOLE   0 0 29,774
ABBOTT LABS COM 002824100   737,683 7,617 SH   SOLE   0 0 7,617
ABBVIE INC COM 00287Y109   278,660 1,869 SH   SOLE   0 0 1,869
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   753,341 2,453 SH   SOLE   0 0 2,453
ADIENT PLC ORD SHS G0084W101   308,207 8,398 SH   SOLE   0 0 8,398
ADOBE INC COM 00724F101   1,936,090 3,797 SH   SOLE   0 0 3,797
AECOM COM 00766T100   399,090 4,806 SH   SOLE   0 0 4,806
AFFIRM HLDGS INC COM CL A 00827B106   224,441 10,552 SH   SOLE   0 0 10,552
AFLAC INC COM 001055102   629,580 8,203 SH   SOLE   0 0 8,203
AGILENT TECHNOLOGIES INC COM 00846U101   341,610 3,055 SH   SOLE   0 0 3,055
AIRBNB INC COM CL A 009066101   439,484 3,203 SH   SOLE   0 0 3,203
ALEXANDRIA REAL ESTATE EQ IN COM 015271109   246,046 2,458 SH   SOLE   0 0 2,458
ALIGN TECHNOLOGY INC COM 016255101   425,005 1,392 SH   SOLE   0 0 1,392
ALNYLAM PHARMACEUTICALS INC COM 02043Q107   250,774 1,416 SH   SOLE   0 0 1,416
ALPHABET INC CAP STK CL A 02079K305   4,160,039 31,790 SH   SOLE   0 0 31,790
ALPHABET INC CAP STK CL C 02079K107   1,605,520 12,177 SH   SOLE   0 0 12,177
AMAZON COM INC COM 023135106   5,669,044 44,596 SH   SOLE   0 0 44,596
AMERICAN EXPRESS CO COM 025816109   474,574 3,181 SH   SOLE   0 0 3,181
AMERICAN INTL GROUP INC COM NEW 026874784   411,898 6,797 SH   SOLE   0 0 6,797
AMGEN INC COM 031162100   1,039,026 3,866 SH   SOLE   0 0 3,866
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108   559,802 10,123 SH   SOLE   0 0 10,123
AON PLC SHS CL A G0403H108   353,076 1,089 SH   SOLE   0 0 1,089
APOLLO GLOBAL MGMT INC COM 03769M106   492,603 5,488 SH   SOLE   0 0 5,488
APPLE INC COM 037833100   17,144,398 100,137 SH   SOLE   0 0 100,137
APPLIED INDL TECHNOLOGIES IN COM 03820C105   229,287 1,483 SH   SOLE   0 0 1,483
APPLIED MATLS INC COM 038222105   692,665 5,003 SH   SOLE   0 0 5,003
ARCH CAP GROUP LTD ORD G0450A105   294,130 3,690 SH   SOLE   0 0 3,690
ARDAGH METAL PACKAGING S A SHS L02235106   37,547 11,996 SH   SOLE   0 0 11,996
ARROW ELECTRS INC COM 042735100   452,868 3,616 SH   SOLE   0 0 3,616
ASML HOLDING N V N Y REGISTRY SHS N07059210   221,925 377 SH   SOLE   0 0 377
ASTRAZENECA PLC SPONSORED ADR 046353108   1,109,867 16,389 SH   SOLE   0 0 16,389
AT&T INC COM 00206R102   478,190 31,837 SH   SOLE   0 0 31,837
AUTODESK INC COM 052769106   310,986 1,503 SH   SOLE   0 0 1,503
AUTOMATIC DATA PROCESSING IN COM 053015103   1,015,058 4,219 SH   SOLE   0 0 4,219
AVALONBAY CMNTYS INC COM 053484101   381,778 2,223 SH   SOLE   0 0 2,223
AVERY DENNISON CORP COM 053611109   385,625 2,111 SH   SOLE   0 0 2,111
AXALTA COATING SYS LTD COM G0750C108   221,253 8,225 SH   SOLE   0 0 8,225
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   732,783 91,029 SH   SOLE   0 0 91,029
BANCO SANTANDER S.A. ADR 05964H105   92,015 24,472 SH   SOLE   0 0 24,472
BANK NEW YORK MELLON CORP COM 064058100   462,753 10,850 SH   SOLE   0 0 10,850
BANK OZK LITTLE ROCK ARK COM 06417N103   2,595 70 SH   SOLE   0 0 70
BECTON DICKINSON & CO COM 075887109   576,187 2,229 SH   SOLE   0 0 2,229
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   964,376 2,753 SH   SOLE   0 0 2,753
BLACKSTONE INC COM 09260D107   538,807 5,029 SH   SOLE   0 0 5,029
BOOKING HOLDINGS INC COM 09857L108   755,568 245 SH   SOLE   0 0 245
BOSTON PROPERTIES INC COM 101121101   426,888 7,177 SH   SOLE   0 0 7,177
BOSTON SCIENTIFIC CORP COM 101137107   618,816 11,720 SH   SOLE   0 0 11,720
BRISTOL-MYERS SQUIBB CO COM 110122108   567,192 9,772 SH   SOLE   0 0 9,772
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   374,752 2,093 SH   SOLE   0 0 2,093
CAPITAL ONE FINL CORP COM 14040H105   222,147 2,289 SH   SOLE   0 0 2,289
CBRE GROUP INC CL A 12504L109   473,738 6,414 SH   SOLE   0 0 6,414
CDW CORP COM 12514G108   546,366 2,708 SH   SOLE   0 0 2,708
CERIDIAN HCM HLDG INC COM 15677J108   336,875 4,965 SH   SOLE   0 0 4,965
CHECK POINT SOFTWARE TECH LT ORD M22465104   404,505 3,035 SH   SOLE   0 0 3,035
CHESAPEAKE UTILS CORP COM 165303108   393,053 4,021 SH   SOLE   0 0 4,021
CHIPOTLE MEXICAN GRILL INC COM 169656105   479,939 262 SH   SOLE   0 0 262
CHUBB LIMITED COM H1467J104   368,687 1,771 SH   SOLE   0 0 1,771
CHURCH & DWIGHT CO INC COM 171340102   512,842 5,597 SH   SOLE   0 0 5,597
CINTAS CORP COM 172908105   476,681 991 SH   SOLE   0 0 991
CLOUDFLARE INC CL A COM 18915M107   257,203 4,080 SH   SOLE   0 0 4,080
CME GROUP INC COM 12572Q105   396,887 1,982 SH   SOLE   0 0 1,982
COLGATE PALMOLIVE CO COM 194162103   318,508 4,479 SH   SOLE   0 0 4,479
COMCAST CORP NEW CL A 20030N101   885,842 19,978 SH   SOLE   0 0 19,978
COMERICA INC COM 200340107   255,408 6,147 SH   SOLE   0 0 6,147
CONSTELLATION BRANDS INC CL A 21036P108   445,357 1,772 SH   SOLE   0 0 1,772
CONSTELLATION ENERGY CORP COM 21037T109   204,852 1,878 SH   SOLE   0 0 1,878
COPA HOLDINGS SA CL A P31076105   1,033,346 11,595 SH   SOLE   0 0 11,595
CORNING INC COM 219350105   321,049 10,537 SH   SOLE   0 0 10,537
CORTEVA INC COM 22052L104   737,369 14,413 SH   SOLE   0 0 14,413
COSTCO WHSL CORP NEW COM 22160K105   624,257 1,105 SH   SOLE   0 0 1,105
COUPANG INC CL A 22266T109   288,014 16,942 SH   SOLE   0 0 16,942
CROWDSTRIKE HLDGS INC CL A 22788C105   493,771 2,950 SH   SOLE   0 0 2,950
CROWN CASTLE INC COM 22822V101   425,283 4,621 SH   SOLE   0 0 4,621
CUSHMAN WAKEFIELD PLC SHS G2717B108   80,589 10,576 SH   SOLE   0 0 10,576
CVS HEALTH CORP COM 126650100   392,877 5,627 SH   SOLE   0 0 5,627
D R HORTON INC COM 23331A109   477,812 4,446 SH   SOLE   0 0 4,446
DANAHER CORPORATION COM 235851102   703,116 2,834 SH   SOLE   0 0 2,834
DARDEN RESTAURANTS INC COM 237194105   298,900 2,087 SH   SOLE   0 0 2,087
DEERE & CO COM 244199105   423,265 1,122 SH   SOLE   0 0 1,122
DELEK US HLDGS INC NEW COM 24665A103   454,730 16,006 SH   SOLE   0 0 16,006
DEXCOM INC COM 252131107   415,278 4,451 SH   SOLE   0 0 4,451
DHT HOLDINGS INC SHS NEW Y2065G121   335,945 32,616 SH   SOLE   0 0 32,616
DIAGEO PLC SPON ADR NEW 25243Q205   653,110 4,378 SH   SOLE   0 0 4,378
DIODES INC COM 254543101   394,831 5,008 SH   SOLE   0 0 5,008
DISNEY WALT CO COM 254687106   485,327 5,988 SH   SOLE   0 0 5,988
DIVERSIFIED HEALTHCARE TR COM SH BEN INT 25525P107   20,221 10,423 SH   SOLE   0 0 10,423
DONALDSON INC COM 257651109   337,801 5,664 SH   SOLE   0 0 5,664
DOORDASH INC CL A 25809K105   1,172,818 14,758 SH   SOLE   0 0 14,758
DUPONT DE NEMOURS INC COM 26614N102   345,141 4,627 SH   SOLE   0 0 4,627
EBAY INC. COM 278642103   499,143 11,321 SH   SOLE   0 0 11,321
EDISON INTL COM 281020107   865,997 13,683 SH   SOLE   0 0 13,683
EDWARDS LIFESCIENCES CORP COM 28176E108   457,594 6,605 SH   SOLE   0 0 6,605
ELEVANCE HEALTH INC COM 036752103   479,397 1,101 SH   SOLE   0 0 1,101
ELI LILLY & CO COM 532457108   1,516,331 2,823 SH   SOLE   0 0 2,823
ENTEGRIS INC COM 29362U104   549,092 5,847 SH   SOLE   0 0 5,847
EQUITY RESIDENTIAL SH BEN INT 29476L107   336,232 5,727 SH   SOLE   0 0 5,727
EXPEDITORS INTL WASH INC COM 302130109   475,485 4,148 SH   SOLE   0 0 4,148
FAIR ISAAC CORP COM 303250104   263,165 303 SH   SOLE   0 0 303
FIDELITY NATL INFORMATION SV COM 31620M106   331,288 5,994 SH   SOLE   0 0 5,994
FISERV INC COM 337738108   321,484 2,846 SH   SOLE   0 0 2,846
FORTIVE CORP COM 34959J108   713,197 9,617 SH   SOLE   0 0 9,617
FORTUNE BRANDS INNOVATIONS I COM 34964C106   255,602 4,112 SH   SOLE   0 0 4,112
FRANKLIN ELEC INC COM 353514102   273,044 3,060 SH   SOLE   0 0 3,060
FULLER H B CO COM 359694106   327,201 4,769 SH   SOLE   0 0 4,769
GALLAGHER ARTHUR J & CO COM 363576109   475,462 2,086 SH   SOLE   0 0 2,086
GARTNER INC COM 366651107   544,622 1,585 SH   SOLE   0 0 1,585
GENERAL MLS INC COM 370334104   453,753 7,091 SH   SOLE   0 0 7,091
GENTEX CORP COM 371901109   335,715 10,317 SH   SOLE   0 0 10,317
GILEAD SCIENCES INC COM 375558103   837,309 11,173 SH   SOLE   0 0 11,173
GINKGO BIOWORKS HOLDINGS INC CL A SHS 37611X100   50,311 27,796 SH   SOLE   0 0 27,796
GLOBAL PMTS INC COM 37940X102   215,433 1,867 SH   SOLE   0 0 1,867
GLOBALFOUNDRIES INC ORDINARY SHARES G39387108   489,203 8,407 SH   SOLE   0 0 8,407
GOLAR LNG LTD SHS G9456A100   351,309 14,481 SH   SOLE   0 0 14,481
GOLDMAN SACHS GROUP INC COM 38141G104   819,488 2,533 SH   SOLE   0 0 2,533
GRAB HOLDINGS LIMITED CLASS A ORD G4124C109   160,790 45,421 SH   SOLE   0 0 45,421
GRACO INC COM 384109104   245,241 3,365 SH   SOLE   0 0 3,365
GRAINGER W W INC COM 384802104   573,535 829 SH   SOLE   0 0 829
GSK PLC SPONSORED ADR 37733W204   508,298 14,022 SH   SOLE   0 0 14,022
GXO LOGISTICS INCORPORATED COMMON STOCK 36262G101   240,524 4,101 SH   SOLE   0 0 4,101
HEWLETT PACKARD ENTERPRISE C COM 42824C109   309,451 17,815 SH   SOLE   0 0 17,815
HILTON GRAND VACATIONS INC COM 43283X105   233,740 5,743 SH   SOLE   0 0 5,743
HOME DEPOT INC COM 437076102   326,325 1,080 SH   SOLE   0 0 1,080
HOST HOTELS & RESORTS INC COM 44107P104   246,867 15,362 SH   SOLE   0 0 15,362
HP INC COM 40434L105   409,787 15,945 SH   SOLE   0 0 15,945
HUBBELL INC COM 443510607   634,969 2,026 SH   SOLE   0 0 2,026
HUBSPOT INC COM 443573100   1,558,763 3,165 SH   SOLE   0 0 3,165
HUMANA INC COM 444859102   212,609 437 SH   SOLE   0 0 437
HUNTINGTON BANCSHARES INC COM 446150104   238,711 22,953 SH   SOLE   0 0 22,953
ICHOR HOLDINGS SHS G4740B105   295,513 9,545 SH   SOLE   0 0 9,545
IDEXX LABS INC COM 45168D104   434,646 994 SH   SOLE   0 0 994
ILLINOIS TOOL WKS INC COM 452308109   805,057 3,496 SH   SOLE   0 0 3,496
ING GROEP N.V. SPONSORED ADR 456837103   386,029 29,289 SH   SOLE   0 0 29,289
INTERCONTINENTAL EXCHANGE IN COM 45866F104   400,253 3,638 SH   SOLE   0 0 3,638
INTERNATIONAL FLAVORS&FRAGRA COM 459506101   398,045 5,839 SH   SOLE   0 0 5,839
INTERPUBLIC GROUP COS INC COM 460690100   340,022 11,864 SH   SOLE   0 0 11,864
INTUIT COM 461202103   923,269 1,807 SH   SOLE   0 0 1,807
INTUITIVE SURGICAL INC COM NEW 46120E602   557,105 1,906 SH   SOLE   0 0 1,906
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   685,842 34,105 SH   SOLE   0 0 34,105
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   656,332 35,032 SH   SOLE   0 0 35,032
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643   550,593 28,432 SH   SOLE   0 0 28,432
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   657,328 34,992 SH   SOLE   0 0 34,992
INVESCO EXCH TRD SLF IDX FD INVSCO 30 CORP 46138J460   521,640 33,481 SH   SOLE   0 0 33,481
INVESCO EXCH TRD SLF IDX FD BULETSHS 2031 CP 46138J429   504,752 33,099 SH   SOLE   0 0 33,099
INVESCO EXCH TRD SLF IDX FD BULETSHS 2029 46138J577   544,976 31,097 SH   SOLE   0 0 31,097
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   699,238 33,829 SH   SOLE   0 0 33,829
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   712,378 33,555 SH   SOLE   0 0 33,555
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   4,356,954 136,925 SH   SOLE   0 0 136,925
INVESCO EXCHNG TRAD SLF INDE BULLETSHS 2032 46139W858   497,801 25,968 SH   SOLE   0 0 25,968
INVITATION HOMES INC COM 46187W107   320,988 10,129 SH   SOLE   0 0 10,129
IRON MTN INC DEL COM 46284V101   291,186 4,898 SH   SOLE   0 0 4,898
ISHARES INC ESG AWR MSCI EM 46434G863   43,927,536 1,450,711 SH   SOLE   0 0 1,450,711
ISHARES INC FRONTIER AND SEL 464286145   469,540 18,115 SH   SOLE   0 0 18,115
ISHARES INC CORE MSCI EMKT 46434G103   3,744,276 78,678 SH   SOLE   0 0 78,678
ISHARES TR MSCI KLD400 SOC 464288570   466,316 5,728 SH   SOLE   0 0 5,728
ISHARES TR MSCI EMG MKT ETF 464287234   373,314 9,837 SH   SOLE   0 0 9,837
ISHARES TR 1 3 YR TREAS BD 464287457   251,007 3,100 SH   SOLE   0 0 3,100
ISHARES TR CORE S&P SCP ETF 464287804   2,187,597 23,191 SH   SOLE   0 0 23,191
ISHARES TR BROAD USD HIGH 46435U853   2,787,502 80,308 SH   SOLE   0 0 80,308
ISHARES TR ESG AW MSCI EAFE 46435G516   50,687,357 733,218 SH   SOLE   0 0 733,218
ISHARES TR RUS 1000 GRW ETF 464287614   858,355 3,227 SH   SOLE   0 0 3,227
ISHARES TR RUS MDCP VAL ETF 464287473   212,994 2,041 SH   SOLE   0 0 2,041
ISHARES TR RUSSELL 2000 ETF 464287655   461,865 2,613 SH   SOLE   0 0 2,613
ISHARES TR ESG MSCI LEADR 46435U218   5,289,107 70,138 SH   SOLE   0 0 70,138
ISHARES TR S&P 500 VAL ETF 464287408   389,026 2,529 SH   SOLE   0 0 2,529
ISHARES TR S&P 500 GRWT ETF 464287309   245,970 3,595 SH   SOLE   0 0 3,595
ISHARES TR CORE S&P US GWT 464287671   251,679 2,654 SH   SOLE   0 0 2,654
ISHARES TR CORE MSCI EAFE 46432F842   7,618,114 118,386 SH   SOLE   0 0 118,386
ISHARES TR RUS MID CAP ETF 464287499   1,932,144 27,901 SH   SOLE   0 0 27,901
ISHARES TR S&P MC 400VL ETF 464287705   215,714 2,137 SH   SOLE   0 0 2,137
ISHARES TR S&P MC 400GR ETF 464287606   202,768 2,807 SH   SOLE   0 0 2,807
ISHARES TR CORE S&P500 ETF 464287200   6,712,307 15,631 SH   SOLE   0 0 15,631
ISHARES TR U.S. TECH ETF 464287721   341,515 3,255 SH   SOLE   0 0 3,255
ISHARES TR RUS 1000 VAL ETF 464287598   1,634,545 10,766 SH   SOLE   0 0 10,766
ISHARES TR CORE S&P MCP ETF 464287507   2,671,645 10,714 SH   SOLE   0 0 10,714
ISHARES TR MSCI EAFE ETF 464287465   409,393 5,940 SH   SOLE   0 0 5,940
ISHARES TR RUS 1000 ETF 464287622   935,177 3,981 SH   SOLE   0 0 3,981
ISHARES TR SHRT NAT MUN ETF 464288158   53,690,379 521,975 SH   SOLE   0 0 521,975
ISHARES TR JPMORGAN USD EMG 464288281   6,444,023 78,090 SH   SOLE   0 0 78,090
ISHARES TR NATIONAL MUN ETF 464288414   85,538,205 834,194 SH   SOLE   0 0 834,194
ISHARES TR MSCI USA ESG SLC 464288802   21,211,308 235,760 SH   SOLE   0 0 235,760
JABIL INC COM 466313103   711,472 5,607 SH   SOLE   0 0 5,607
JOHNSON & JOHNSON COM 478160104   246,552 1,583 SH   SOLE   0 0 1,583
JPMORGAN CHASE & CO COM 46625H100   400,837 2,764 SH   SOLE   0 0 2,764
KEYCORP COM 493267108   201,277 18,706 SH   SOLE   0 0 18,706
KIMBERLY-CLARK CORP COM 494368103   636,040 5,263 SH   SOLE   0 0 5,263
KROGER CO COM 501044101   266,128 5,947 SH   SOLE   0 0 5,947
KULICKE & SOFFA INDS INC COM 501242101   299,318 6,155 SH   SOLE   0 0 6,155
LATTICE SEMICONDUCTOR CORP COM 518415104   727,226 8,463 SH   SOLE   0 0 8,463
LAUDER ESTEE COS INC CL A 518439104   580,224 4,014 SH   SOLE   0 0 4,014
LIBERTY ENERGY INC COM CL A 53115L104   410,033 22,140 SH   SOLE   0 0 22,140
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   471,665 221,439 SH   SOLE   0 0 221,439
LOCKHEED MARTIN CORP COM 539830109   252,883 618 SH   SOLE   0 0 618
LULULEMON ATHLETICA INC COM 550021109   284,195 737 SH   SOLE   0 0 737
MARSH & MCLENNAN COS INC COM 571748102   715,147 3,758 SH   SOLE   0 0 3,758
MASCO CORP COM 574599106   367,950 6,884 SH   SOLE   0 0 6,884
MASTERCARD INCORPORATED CL A 57636Q104   1,195,252 3,019 SH   SOLE   0 0 3,019
MATADOR RES CO COM 576485205   346,768 5,830 SH   SOLE   0 0 5,830
MATERION CORP COM 576690101   323,972 3,179 SH   SOLE   0 0 3,179
MCCORMICK & CO INC COM NON VTG 579780206   281,230 3,718 SH   SOLE   0 0 3,718
MCDONALDS CORP COM 580135101   376,984 1,431 SH   SOLE   0 0 1,431
MEDTRONIC PLC SHS G5960L103   506,519 6,464 SH   SOLE   0 0 6,464
MERCK & CO INC COM 58933Y105   1,634,298 15,875 SH   SOLE   0 0 15,875
META PLATFORMS INC CL A 30303M102   10,611,523 35,347 SH   SOLE   0 0 35,347
METLIFE INC COM 59156R108   223,708 3,556 SH   SOLE   0 0 3,556
MICROSOFT CORP COM 594918104   9,068,854 28,722 SH   SOLE   0 0 28,722
MIDDLEBY CORP COM 596278101   286,976 2,242 SH   SOLE   0 0 2,242
MKS INSTRS INC COM 55306N104   482,893 5,580 SH   SOLE   0 0 5,580
MONDAY COM LTD SHS M7S64H106   217,972 1,369 SH   SOLE   0 0 1,369
MONDELEZ INTL INC CL A 609207105   1,071,364 15,438 SH   SOLE   0 0 15,438
MONGODB INC CL A 60937P106   350,702 1,014 SH   SOLE   0 0 1,014
MOODYS CORP COM 615369105   509,208 1,611 SH   SOLE   0 0 1,611
MSCI INC COM 55354G100   637,758 1,243 SH   SOLE   0 0 1,243
NATIONAL WESTN LIFE GROUP IN CL A 638517102   8,312 19 SH   SOLE   0 0 19
NATWEST GROUP PLC SPONS ADR 639057207   153,498 26,329 SH   SOLE   0 0 26,329
NETFLIX INC COM 64110L106   5,209,747 13,797 SH   SOLE   0 0 13,797
NEW JERSEY RES CORP COM 646025106   644,839 15,871 SH   SOLE   0 0 15,871
NIKE INC CL B 654106103   461,272 4,824 SH   SOLE   0 0 4,824
NOBLE CORP PLC ORD SHS A G65431127   357,944 7,067 SH   SOLE   0 0 7,067
NOMURA HLDGS INC SPONSORED ADR 65535H208   129,955 32,327 SH   SOLE   0 0 32,327
NORDIC AMERICAN TANKERS LIMI COM G65773106   71,058 17,247 SH   SOLE   0 0 17,247
NORTHERN OIL & GAS INC COM 665531307   642,191 15,963 SH   SOLE   0 0 15,963
NORTHERN TR CORP COM 665859104   213,095 3,067 SH   SOLE   0 0 3,067
NOVARTIS AG SPONSORED ADR 66987V109   1,490,008 14,628 SH   SOLE   0 0 14,628
NOVO-NORDISK A S ADR 670100205   1,944,661 21,384 SH   SOLE   0 0 21,384
NUCOR CORP COM 670346105   687,002 4,394 SH   SOLE   0 0 4,394
NVIDIA CORPORATION COM 67066G104   652,050 1,499 SH   SOLE   0 0 1,499
NXP SEMICONDUCTORS N V COM N6596X109   379,448 1,898 SH   SOLE   0 0 1,898
OIL STS INTL INC COM 678026105   92,823 11,090 SH   SOLE   0 0 11,090
OMNICOM GROUP INC COM 681919106   264,845 3,556 SH   SOLE   0 0 3,556
OPKO HEALTH INC COM 68375N103   24,314 15,196 SH   SOLE   0 0 15,196
ORACLE CORP COM 68389X105   648,019 6,118 SH   SOLE   0 0 6,118
ORANGE SPONSORED ADR 684060106   371,265 32,312 SH   SOLE   0 0 32,312
OTIS WORLDWIDE CORP COM 68902V107   738,450 9,195 SH   SOLE   0 0 9,195
PACTIV EVERGREEN INC COM 69526K105   187,258 23,033 SH   SOLE   0 0 23,033
PATTERSON-UTI ENERGY INC COM 703481101   261,714 18,910 SH   SOLE   0 0 18,910
PAYCHEX INC COM 704326107   286,941 2,488 SH   SOLE   0 0 2,488
PEARSON PLC SPONSORED ADR 705015105   140,119 13,294 SH   SOLE   0 0 13,294
PEPSICO INC COM 713448108   425,690 2,512 SH   SOLE   0 0 2,512
PFIZER INC COM 717081103   629,204 18,969 SH   SOLE   0 0 18,969
PHILLIPS EDISON & CO INC COMMON STOCK 71844V201   304,213 9,070 SH   SOLE   0 0 9,070
PIEDMONT OFFICE REALTY TR IN COM CL A 720190206   65,417 11,640 SH   SOLE   0 0 11,640
PNC FINL SVCS GROUP INC COM 693475105   384,528 3,132 SH   SOLE   0 0 3,132
POWER INTEGRATIONS INC COM 739276103   566,831 7,428 SH   SOLE   0 0 7,428
PRINCIPAL FINANCIAL GROUP IN COM 74251V102   334,693 4,644 SH   SOLE   0 0 4,644
PROCTER AND GAMBLE CO COM 742718109   337,889 2,317 SH   SOLE   0 0 2,317
PROGRESSIVE CORP COM 743315103   491,033 3,525 SH   SOLE   0 0 3,525
PROLOGIS INC. COM 74340W103   769,985 6,862 SH   SOLE   0 0 6,862
PRUDENTIAL FINL INC COM 744320102   628,551 6,624 SH   SOLE   0 0 6,624
PRUDENTIAL PLC ADR 74435K204   203,286 9,274 SH   SOLE   0 0 9,274
PULTE GROUP INC COM 745867101   239,996 3,241 SH   SOLE   0 0 3,241
REALTY INCOME CORP COM 756109104   423,192 8,474 SH   SOLE   0 0 8,474
REGENERON PHARMACEUTICALS COM 75886F107   316,017 384 SH   SOLE   0 0 384
REGIONS FINANCIAL CORP NEW COM 7591EP100   302,548 17,590 SH   SOLE   0 0 17,590
RELIANCE STEEL & ALUMINUM CO COM 759509102   987,296 3,765 SH   SOLE   0 0 3,765
RELX PLC SPONSORED ADR 759530108   1,070,649 31,770 SH   SOLE   0 0 31,770
RESMED INC COM 761152107   306,830 2,075 SH   SOLE   0 0 2,075
S&P GLOBAL INC COM 78409V104   1,162,625 3,182 SH   SOLE   0 0 3,182
SAFE BULKERS INC COM Y7388L103   48,383 14,933 SH   SOLE   0 0 14,933
SALESFORCE INC COM 79466L302   983,077 4,848 SH   SOLE   0 0 4,848
SANOFI SPONSORED ADR 80105N105   853,305 15,908 SH   SOLE   0 0 15,908
SAP SE SPON ADR 803054204   1,719,568 13,297 SH   SOLE   0 0 13,297
SBA COMMUNICATIONS CORP NEW CL A 78410G104   200,971 1,004 SH   SOLE   0 0 1,004
SCHWAB CHARLES CORP COM 808513105   454,023 8,270 SH   SOLE   0 0 8,270
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   686,165 16,566 SH   SOLE   0 0 16,566
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   13,533,688 271,488 SH   SOLE   0 0 271,488
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   279,728 3,953 SH   SOLE   0 0 3,953
SCHWAB STRATEGIC TR US TIPS ETF 808524870   2,712,623 53,726 SH   SOLE   0 0 53,726
SCIENCE 37 HOLDINGS INC COM 808644108   134,926 337,314 SH   SOLE   0 0 337,314
SCORPIO TANKERS INC SHS Y7542C130   202,084 3,734 SH   SOLE   0 0 3,734
SEAGEN INC COM 81181C104   362,140 1,707 SH   SOLE   0 0 1,707
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   356,548 2,175 SH   SOLE   0 0 2,175
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   298,630 9,003 SH   SOLE   0 0 9,003
SEMTECH CORP COM 816850101   241,406 9,375 SH   SOLE   0 0 9,375
SERVICENOW INC COM 81762P102   846,265 1,514 SH   SOLE   0 0 1,514
SFL CORPORATION LTD SHS G7738W106   466,962 41,880 SH   SOLE   0 0 41,880
SIMON PPTY GROUP INC NEW COM 828806109   374,432 3,466 SH   SOLE   0 0 3,466
SJW GROUP COM 784305104   386,748 6,434 SH   SOLE   0 0 6,434
SM ENERGY CO COM 78454L100   1,612,447 40,667 SH   SOLE   0 0 40,667
SMITH A O CORP COM 831865209   258,701 3,912 SH   SOLE   0 0 3,912
SNAP ON INC COM 833034101   263,732 1,034 SH   SOLE   0 0 1,034
SONY GROUP CORP SPONSORED ADR 835699307   1,445,224 17,537 SH   SOLE   0 0 17,537
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   651,258 19,400 SH   SOLE   0 0 19,400
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   217,504 7,014 SH   SOLE   0 0 7,014
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,836,797 11,315 SH   SOLE   0 0 11,315
SPDR SER TR BLOOMBERG HIGH Y 78468R622   4,493,520 49,707 SH   SOLE   0 0 49,707
SPDR SER TR PRTFLO S&P500 GW 78464A409   457,523 7,718 SH   SOLE   0 0 7,718
SPDR SER TR PRTFLO S&P500 VL 78464A508   2,519,501 61,064 SH   SOLE   0 0 61,064
SPOTIFY TECHNOLOGY S A SHS L8681T102   1,392,069 9,002 SH   SOLE   0 0 9,002
SPX TECHNOLOGIES INC COM 78473E103   370,533 4,552 SH   SOLE   0 0 4,552
STANLEY BLACK & DECKER INC COM 854502101   446,234 5,339 SH   SOLE   0 0 5,339
STATE STR CORP COM 857477103   238,378 3,560 SH   SOLE   0 0 3,560
STRYKER CORPORATION COM 863667101   639,452 2,340 SH   SOLE   0 0 2,340
SUN CMNTYS INC COM 866674104   218,101 1,843 SH   SOLE   0 0 1,843
SYNAPTICS INC COM 87157D109   530,469 5,931 SH   SOLE   0 0 5,931
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205   1,184,708 76,581 SH   SOLE   0 0 76,581
TARGET CORP COM 87612E106   378,707 3,425 SH   SOLE   0 0 3,425
TELEFONICA S A SPONSORED ADR 879382208   252,763 62,104 SH   SOLE   0 0 62,104
TESLA INC COM 88160R101   442,139 1,767 SH   SOLE   0 0 1,767
TETRA TECH INC NEW COM 88162G103   213,602 1,405 SH   SOLE   0 0 1,405
THE CIGNA GROUP COM 125523100   658,533 2,302 SH   SOLE   0 0 2,302
THE TRADE DESK INC COM CL A 88339J105   1,045,803 13,382 SH   SOLE   0 0 13,382
THERMO FISHER SCIENTIFIC INC COM 883556102   231,873 458 SH   SOLE   0 0 458
TJX COS INC NEW COM 872540109   826,615 9,300 SH   SOLE   0 0 9,300
T-MOBILE US INC COM 872590104   735,263 5,250 SH   SOLE   0 0 5,250
TOAST INC CL A 888787108   513,558 27,419 SH   SOLE   0 0 27,419
TOYOTA MOTOR CORP ADS 892331307   258,481 1,438 SH   SOLE   0 0 1,438
TRACTOR SUPPLY CO COM 892356106   320,210 1,577 SH   SOLE   0 0 1,577
TRUIST FINL CORP COM 89832Q109   296,695 10,370 SH   SOLE   0 0 10,370
TYLER TECHNOLOGIES INC COM 902252105   270,684 701 SH   SOLE   0 0 701
UBER TECHNOLOGIES INC COM 90353T100   763,572 16,603 SH   SOLE   0 0 16,603
UNILEVER PLC SPON ADR NEW 904767704   778,445 15,758 SH   SOLE   0 0 15,758
UNITEDHEALTH GROUP INC COM 91324P102   1,542,788 3,060 SH   SOLE   0 0 3,060
UNITI GROUP INC COM 91325V108   83,624 17,717 SH   SOLE   0 0 17,717
US BANCORP DEL COM NEW 902973304   361,676 10,940 SH   SOLE   0 0 10,940
VALARIS LTD CL A G9460G101   367,927 4,907 SH   SOLE   0 0 4,907
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   8,751,549 178,348 SH   SOLE   0 0 178,348
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   4,265,866 178,712 SH   SOLE   0 0 178,712
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   318,376 2,196 SH   SOLE   0 0 2,196
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   16,224,508 215,838 SH   SOLE   0 0 215,838
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   39,770,908 569,947 SH   SOLE   0 0 569,947
VANGUARD INDEX FDS GROWTH ETF 922908736   2,544,675 9,345 SH   SOLE   0 0 9,345
VANGUARD INDEX FDS SML CP GRW ETF 922908595   387,452 1,809 SH   SOLE   0 0 1,809
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,504,270 3,831 SH   SOLE   0 0 3,831
VANGUARD INDEX FDS SMALL CP ETF 922908751   30,922,696 163,551 SH   SOLE   0 0 163,551
VANGUARD INDEX FDS SM CP VAL ETF 922908611   10,281,209 64,463 SH   SOLE   0 0 64,463
VANGUARD INDEX FDS MID CAP ETF 922908629   26,586,374 127,672 SH   SOLE   0 0 127,672
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   9,095,686 120,218 SH   SOLE   0 0 120,218
VANGUARD INDEX FDS TOTAL STK MKT 922908769   314,220,656 1,479,312 SH   SOLE   0 0 1,479,312
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   15,158,399 115,748 SH   SOLE   0 0 115,748
VANGUARD INDEX FDS VALUE ETF 922908744   45,971,219 333,294 SH   SOLE   0 0 333,294
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   750,309 14,465 SH   SOLE   0 0 14,465
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   8,323,198 213,799 SH   SOLE   0 0 213,799
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   76,603,868 1,953,682 SH   SOLE   0 0 1,953,682
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   153,744,041 3,516,561 SH   SOLE   0 0 3,516,561
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   1,498 21 SH   SOLE   0 0 21
VANGUARD WORLD FD ESG US STK ETF 921910733   381,467 5,071 SH   SOLE   0 0 5,071
VEEVA SYS INC CL A COM 922475108   455,321 2,238 SH   SOLE   0 0 2,238
VERISK ANALYTICS INC COM 92345Y106   501,043 2,121 SH   SOLE   0 0 2,121
VERIZON COMMUNICATIONS INC COM 92343V104   812,653 25,074 SH   SOLE   0 0 25,074
VERTEX PHARMACEUTICALS INC COM 92532F100   629,409 1,810 SH   SOLE   0 0 1,810
VISA INC COM CL A 92826C839   1,556,512 6,767 SH   SOLE   0 0 6,767
VISHAY INTERTECHNOLOGY INC COM 928298108   302,251 12,227 SH   SOLE   0 0 12,227
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   234,207 24,705 SH   SOLE   0 0 24,705
WALMART INC COM 931142103   264,577 1,654 SH   SOLE   0 0 1,654
WATSCO INC COM 942622200   342,592 907 SH   SOLE   0 0 907
WEST PHARMACEUTICAL SVSC INC COM 955306105   419,485 1,118 SH   SOLE   0 0 1,118
WILLSCOT MOBIL MINI HLDNG CO COM CL A 971378104   344,324 8,279 SH   SOLE   0 0 8,279
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   5,617,876 111,643 SH   SOLE   0 0 111,643
WORKDAY INC CL A 98138H101   207,115 964 SH   SOLE   0 0 964
WPP PLC NEW ADR 92937A102   233,688 5,242 SH   SOLE   0 0 5,242
YUM CHINA HLDGS INC COM 98850P109   225,555 4,048 SH   SOLE   0 0 4,048
ZOETIS INC CL A 98978V103   485,404 2,790 SH   SOLE   0 0 2,790