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
ABBOTT LABS COM 002824100 1,650 16,213 SH   SOLE   0 0 16,213
ABBVIE INC COM 00287Y109 2,178 15,697 SH   SOLE   0 0 15,697
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 339 1,305 SH   SOLE   0 0 1,305
AIRBNB INC COM CL A 009066101 242 2,234 SH   SOLE   0 0 2,234
ALLSTATE CORP COM 020002101 225 1,725 SH   SOLE   0 0 1,725
ALPHABET INC CAP STK CL A 02079K305 747 7,572 SH   SOLE   0 0 7,572
ALPHABET INC CAP STK CL C 02079K107 317 3,180 SH   SOLE   0 0 3,180
AMAZON COM INC COM 023135106 2,357 20,571 SH   SOLE   0 0 20,571
AMERICAN CENTY ETF TR US SML CP VALU 025072877 7,121 102,410 SH   SOLE   0 0 102,410
AMERICAN EXPRESS CO COM 025816109 221 1,586 SH   SOLE   0 0 1,586
AMERICAN TOWER CORP NEW COM 03027X100 208 1,068 SH   SOLE   0 0 1,068
APPLE INC COM 037833100 4,491 32,056 SH   SOLE   0 0 32,056
AT&T INC COM 00206R102 438 29,336 SH   SOLE   0 0 29,336
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,536 5,710 SH   SOLE   0 0 5,710
BERKSHIRE HATHAWAY INC DEL CL A 084670108 406 1 SH   SOLE   0 0 1
BP PLC SPONSORED ADR 055622104 252 8,122 SH   SOLE   0 0 8,122
BRISTOL-MYERS SQUIBB CO COM 110122108 327 4,697 SH   SOLE   0 0 4,697
CALUMET SPECIALTY PRODS PART UT LTD PARTNER 131476103 6,103 420,878 SH   SOLE   0 0 420,878
CATERPILLAR INC COM 149123101 764 4,300 SH   SOLE   0 0 4,300
CHEVRON CORP NEW COM 166764100 270 1,686 SH   SOLE   0 0 1,686
CISCO SYS INC COM 17275R102 230 5,708 SH   SOLE   0 0 5,708
CLEAN HARBORS INC COM 184496107 3,191 27,525 SH   SOLE   0 0 27,525
COCA COLA CO COM 191216100 252 4,629 SH   SOLE   0 0 4,629
COSTCO WHSL CORP NEW COM 22160K105 572 1,222 SH   SOLE   0 0 1,222
CUMMINS INC COM 231021106 399 1,832 SH   SOLE   0 0 1,832
CVS HEALTH CORP COM 126650100 421 4,773 SH   SOLE   0 0 4,773
DISNEY WALT CO COM 254687106 333 3,427 SH   SOLE   0 0 3,427
ELEVANCE HEALTH INC COM 036752103 690 1,477 SH   SOLE   0 0 1,477
EXXON MOBIL CORP COM 30231G102 1,022 10,120 SH   SOLE   0 0 10,120
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 2,219 50,001 SH   SOLE   0 0 50,001
GENERAL ELECTRIC CO COM NEW 369604301 465 7,200 SH   SOLE   0 0 7,200
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230 494 9,958 SH   SOLE   0 0 9,958
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 1,190 47,248 SH   SOLE   0 0 47,248
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 1,376 13,795 SH   SOLE   0 0 13,795
HERITAGE CRYSTAL CLEAN INC COM 42726M106 1,755 59,866 SH   SOLE   0 0 59,866
HOME DEPOT INC COM 437076102 430 1,512 SH   SOLE   0 0 1,512
INTEL CORP COM 458140100 281 10,921 SH   SOLE   0 0 10,921
INTERNATIONAL BUSINESS MACHS COM 459200101 279 2,345 SH   SOLE   0 0 2,345
INTUITIVE SURGICAL INC COM NEW 46120E602 307 1,625 SH   SOLE   0 0 1,625
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 297 5,193 SH   SOLE   0 0 5,193
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 994 6,991 SH   SOLE   0 0 6,991
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 215 5,250 SH   SOLE   0 0 5,250
ISHARES INC CORE MSCI EMKT 46434G103 238 5,432 SH   SOLE   0 0 5,432
ISHARES TR PFD AND INCM SEC 464288687 2,191 69,993 SH   SOLE   0 0 69,993
ISHARES TR CORE S&P US VLU 464287663 27,264 426,266 SH   SOLE   0 0 426,266
ISHARES TR CORE S&P US GWT 464287671 19,974 245,979 SH   SOLE   0 0 245,979
ISHARES TR RUS 2000 GRW ETF 464287648 1,922 9,105 SH   SOLE   0 0 9,105
ISHARES TR RUS 2000 VAL ETF 464287630 3,407 25,856 SH   SOLE   0 0 25,856
ISHARES TR CORE TOTAL USD 46434V613 3,934 88,899 SH   SOLE   0 0 88,899
ISHARES TR SP SMCP600VL ETF 464287879 241 2,844 SH   SOLE   0 0 2,844
ISHARES TR MSCI USA VALUE 46432F388 891 10,581 SH   SOLE   0 0 10,581
ISHARES TR CORE S&P SCP ETF 464287804 12,144 135,774 SH   SOLE   0 0 135,774
ISHARES TR CORE MSCI TOTAL 46432F834 7,697 148,795 SH   SOLE   0 0 148,795
ISHARES TR MSCI USA MIN VOL 46429B697 3,364 50,708 SH   SOLE   0 0 50,708
ISHARES TR MSCI USA QLT FCT 46432F339 7,914 74,706 SH   SOLE   0 0 74,706
ISHARES TR MSCI ACWI EX US 464288240 208 5,125 SH   SOLE   0 0 5,125
ISHARES TR SHRT NAT MUN ETF 464288158 10,709 104,054 SH   SOLE   0 0 104,054
ISHARES TR NATIONAL MUN ETF 464288414 12,131 117,200 SH   SOLE   0 0 117,200
ISHARES TR MSCI USA SMCP MN 46435G433 208 6,477 SH   SOLE   0 0 6,477
ISHARES TR TIPS BD ETF 464287176 231 2,186 SH   SOLE   0 0 2,186
ISHARES TR MORNINGSTAR GRWT 464287119 531 10,892 SH   SOLE   0 0 10,892
ISHARES TR BLACKROCK ULTRA 46434V878 20,744 415,457 SH   SOLE   0 0 415,457
ISHARES TR MRGSTR MD CP GRW 464288307 507 9,876 SH   SOLE   0 0 9,876
ISHARES TR CORE US AGGBD ET 464287226 853 8,905 SH   SOLE   0 0 8,905
ISHARES TR CORE S&P TTL STK 464287150 2,650 32,792 SH   SOLE   0 0 32,792
ISHARES TR MRGSTR MD CP ETF 464288208 200 3,632 SH   SOLE   0 0 3,632
ISHARES TR CORE DIV GRWTH 46434V621 4,660 103,445 SH   SOLE   0 0 103,445
ISHARES TR RUS MDCP VAL ETF 464287473 34,396 350,263 SH   SOLE   0 0 350,263
ISHARES TR MRGSTR SM CP GR 464288604 427 12,093 SH   SOLE   0 0 12,093
ISHARES TR S&P MC 400GR ETF 464287606 387 5,947 SH   SOLE   0 0 5,947
ISHARES TR S&P 500 GRWT ETF 464287309 750 12,856 SH   SOLE   0 0 12,856
ISHARES TR RUSSELL 2000 ETF 464287655 221 1,310 SH   SOLE   0 0 1,310
ISHARES TR CORE MSCI EAFE 46432F842 331 6,185 SH   SOLE   0 0 6,185
ISHARES TR CORE S&P MCP ETF 464287507 3,879 17,187 SH   SOLE   0 0 17,187
ISHARES TR U S EQUITY FACTR 46434V282 1,976 53,491 SH   SOLE   0 0 53,491
ISHARES TR S&P 500 VAL ETF 464287408 824 6,273 SH   SOLE   0 0 6,273
ISHARES TR CORE S&P500 ETF 464287200 6,280 17,238 SH   SOLE   0 0 17,238
ISHARES TR MORNINGSTR US EQ 464287127 213 4,245 SH   SOLE   0 0 4,245
ISHARES TR MSCI EAFE ETF 464287465 988 17,380 SH   SOLE   0 0 17,380
ISHARES TR RUS MD CP GR ETF 464287481 2,358 29,220 SH   SOLE   0 0 29,220
ISHARES TR CORE 1 5 YR USD 46432F859 7,530 163,651 SH   SOLE   0 0 163,651
ISHARES TR S&P MC 400VL ETF 464287705 1,357 14,734 SH   SOLE   0 0 14,734
ISHARES TR 0-5YR HI YL CP 46434V407 1,954 48,617 SH   SOLE   0 0 48,617
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 7,479 152,194 SH   SOLE   0 0 152,194
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 2,031 39,573 SH   SOLE   0 0 39,573
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 203 4,176 SH   SOLE   0 0 4,176
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 3,838 84,092 SH   SOLE   0 0 84,092
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 210 4,186 SH   SOLE   0 0 4,186
JOHNSON & JOHNSON COM 478160104 857 5,351 SH   SOLE   0 0 5,351
JPMORGAN CHASE & CO COM 46625H100 1,019 9,618 SH   SOLE   0 0 9,618
LABORATORY CORP AMER HLDGS COM NEW 50540R409 206 1,004 SH   SOLE   0 0 1,004
LILLY ELI & CO COM 532457108 20,260 62,023 SH   SOLE   0 0 62,023
LOCKHEED MARTIN CORP COM 539830109 207 513 SH   SOLE   0 0 513
MERCK & CO INC COM 58933Y105 263 3,002 SH   SOLE   0 0 3,002
MICROSOFT CORP COM 594918104 2,936 12,532 SH   SOLE   0 0 12,532
NIKE INC CL B 654106103 316 3,627 SH   SOLE   0 0 3,627
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100 213 16,188 SH   SOLE   0 0 16,188
ORACLE CORP COM 68389X105 257 4,061 SH   SOLE   0 0 4,061
PENUMBRA INC COM 70975L107 879 4,850 SH   SOLE   0 0 4,850
PEPSICO INC COM 713448108 1,064 6,586 SH   SOLE   0 0 6,586
PFIZER INC COM 717081103 242 5,711 SH   SOLE   0 0 5,711
PROCTER AND GAMBLE CO COM 742718109 603 4,851 SH   SOLE   0 0 4,851
PROSHARES TR PSHS ULTRUSS2000 74347R842 1,099 36,745 SH   SOLE   0 0 36,745
QUALCOMM INC COM 747525103 868 7,179 SH   SOLE   0 0 7,179
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 878 20,556 SH   SOLE   0 0 20,556
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 550 12,786 SH   SOLE   0 0 12,786
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 731 12,968 SH   SOLE   0 0 12,968
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 22,156 327,798 SH   SOLE   0 0 327,798
SELECT SECTOR SPDR TR ENERGY 81369Y506 870 10,633 SH   SOLE   0 0 10,633
SPDR GOLD TR GOLD SHS 78463V107 549 3,480 SH   SOLE   0 0 3,480
SPDR S&P 500 ETF TR TR UNIT 78462F103 930 2,565 SH   SOLE   0 0 2,565
SPDR SER TR S&P 600 SMCP GRW 78464A201 1,207 17,326 SH   SOLE   0 0 17,326
SPDR SER TR S&P 600 SMCP VAL 78464A300 3,322 48,118 SH   SOLE   0 0 48,118
SPDR SER TR PRTFLO S&P500 GW 78464A409 370 7,307 SH   SOLE   0 0 7,307
SPDR SER TR PORTFOLIO AGRGTE 78464A649 281 11,307 SH   SOLE   0 0 11,307
SPDR SER TR NUVEEN BLMBRG SH 78468R739 1,908 41,284 SH   SOLE   0 0 41,284
SPDR SER TR S&P 400 MDCP VAL 78464A839 3,067 51,838 SH   SOLE   0 0 51,838
SPDR SER TR S&P 400 MDCP GRW 78464A821 1,512 24,246 SH   SOLE   0 0 24,246
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 2,071 50,313 SH   SOLE   0 0 50,313
STANLEY BLACK & DECKER INC COM 854502101 322 4,153 SH   SOLE   0 0 4,153
STARBUCKS CORP COM 855244109 316 3,628 SH   SOLE   0 0 3,628
TESLA INC COM 88160R101 855 3,835 SH   SOLE   0 0 3,835
TEXAS INSTRS INC COM 882508104 243 1,527 SH   SOLE   0 0 1,527
UNION PAC CORP COM 907818108 712 3,638 SH   SOLE   0 0 3,638
UNITEDHEALTH GROUP INC COM 91324P102 525 1,039 SH   SOLE   0 0 1,039
VANECK ETF TRUST OIL SERVICES ETF 92189H607 401 1,621 SH   SOLE   0 0 1,621
VANGUARD BD INDEX FDS INTERMED TERM 921937819 322 4,402 SH   SOLE   0 0 4,402
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 8,003 107,225 SH   SOLE   0 0 107,225
VANGUARD INDEX FDS GROWTH ETF 922908736 538 2,487 SH   SOLE   0 0 2,487
VANGUARD INDEX FDS VALUE ETF 922908744 308 2,448 SH   SOLE   0 0 2,448
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 703 2,108 SH   SOLE   0 0 2,108
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,192 9,631 SH   SOLE   0 0 9,631
VANGUARD INDEX FDS MID CAP ETF 922908629 1,312 6,828 SH   SOLE   0 0 6,828
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,050 5,976 SH   SOLE   0 0 5,976
VANGUARD INDEX FDS SM CP VAL ETF 922908611 6,819 46,076 SH   SOLE   0 0 46,076
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,087 6,207 SH   SOLE   0 0 6,207
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 553 14,885 SH   SOLE   0 0 14,885
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 627 13,915 SH   SOLE   0 0 13,915
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 22,954 471,532 SH   SOLE   0 0 471,532
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 754 5,500 SH   SOLE   0 0 5,500
VANGUARD STAR FDS VG TL INTL STK F 921909768 3,417 73,497 SH   SOLE   0 0 73,497
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 1,854 29,672 SH   SOLE   0 0 29,672
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 344 3,544 SH   SOLE   0 0 3,544
VERIZON COMMUNICATIONS INC COM 92343V104 494 13,413 SH   SOLE   0 0 13,413
VISA INC COM CL A 92826C839 403 2,190 SH   SOLE   0 0 2,190
WALMART INC COM 931142103 215 1,676 SH   SOLE   0 0 1,676
WASTE CONNECTIONS INC COM 94106B101 2,830 21,775 SH   SOLE   0 0 21,775
WORLD GOLD TR SPDR GLD MINIS 98149E303 249 7,397 SH   SOLE   0 0 7,397
YUM BRANDS INC COM 988498101 254 2,329 SH   SOLE   0 0 2,329
ZYMERGEN INC COM 98985X100 62 22,165 SH   SOLE   0 0 22,165