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
ABBOTT LABS COM 002824100   1,778 16,310 SH   SOLE   0 0 16,310
ABBVIE INC COM 00287Y109   2,098 15,574 SH   SOLE   0 0 15,574
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   404 1,309 SH   SOLE   0 0 1,309
AIRBNB INC COM CL A 009066101   218 1,699 SH   SOLE   0 0 1,699
ALPHABET INC CAP STK CL A 02079K305   893 7,459 SH   SOLE   0 0 7,459
ALPHABET INC CAP STK CL C 02079K107   383 3,170 SH   SOLE   0 0 3,170
AMAZON COM INC COM 023135106   1,096 8,410 SH   SOLE   0 0 8,410
AMERICAN CENTY ETF TR US SML CP VALU 025072877   20,450 263,501 SH   SOLE   0 0 263,501
AMERICAN EXPRESS CO COM 025816109   310 1,781 SH   SOLE   0 0 1,781
ANALOG DEVICES INC COM 032654105   213 1,092 SH   SOLE   0 0 1,092
APPLE INC COM 037833100   6,093 31,412 SH   SOLE   0 0 31,412
AT&T INC COM 00206R102   501 31,417 SH   SOLE   0 0 31,417
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,967 5,769 SH   SOLE   0 0 5,769
BERKSHIRE HATHAWAY INC DEL CL A 084670108   518 1 SH   SOLE   0 0 1
BP PLC SPONSORED ADR 055622104   291 8,240 SH   SOLE   0 0 8,240
BRISTOL-MYERS SQUIBB CO COM 110122108   290 4,532 SH   SOLE   0 0 4,532
CALUMET SPECIALTY PRODS PART UT LTD PARTNER 131476103   6,656 419,653 SH   SOLE   0 0 419,653
CATERPILLAR INC COM 149123101   1,037 4,216 SH   SOLE   0 0 4,216
CHEVRON CORP NEW COM 166764100   309 1,961 SH   SOLE   0 0 1,961
CISCO SYS INC COM 17275R102   325 6,289 SH   SOLE   0 0 6,289
CLEAN HARBORS INC COM 184496107   7,599 46,215 SH   SOLE   0 0 46,215
COCA COLA CO COM 191216100   299 4,969 SH   SOLE   0 0 4,969
COSTCO WHSL CORP NEW COM 22160K105   676 1,256 SH   SOLE   0 0 1,256
CUMMINS INC COM 231021106   447 1,825 SH   SOLE   0 0 1,825
CVS HEALTH CORP COM 126650100   328 4,744 SH   SOLE   0 0 4,744
DISNEY WALT CO COM 254687106   297 3,332 SH   SOLE   0 0 3,332
ELEVANCE HEALTH INC COM 036752103   656 1,477 SH   SOLE   0 0 1,477
EXXON MOBIL CORP COM 30231G102   1,137 10,601 SH   SOLE   0 0 10,601
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   13,016 286,566 SH   SOLE   0 0 286,566
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   201 2,469 SH   SOLE   0 0 2,469
GENERAL ELECTRIC CO COM NEW 369604301   814 7,414 SH   SOLE   0 0 7,414
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   6,284 200,455 SH   SOLE   0 0 200,455
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   807 8,065 SH   SOLE   0 0 8,065
HERITAGE CRYSTAL CLEAN INC COM 42726M106   2,262 59,866 SH   SOLE   0 0 59,866
HOME DEPOT INC COM 437076102   467 1,504 SH   SOLE   0 0 1,504
I-80 GOLD CORP COM 44955L106   51 22,500 SH   SOLE   0 0 22,500
INTERNATIONAL BUSINESS MACHS COM 459200101   359 2,680 SH   SOLE   0 0 2,680
INTUITIVE SURGICAL INC COM NEW 46120E602   576 1,685 SH   SOLE   0 0 1,685
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   305 4,861 SH   SOLE   0 0 4,861
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   224 19,733 SH   SOLE   0 0 19,733
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   840 5,135 SH   SOLE   0 0 5,135
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   249 1,662 SH   SOLE   0 0 1,662
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   265 5,250 SH   SOLE   0 0 5,250
ISHARES INC CORE MSCI EMKT 46434G103   236 4,784 SH   SOLE   0 0 4,784
ISHARES TR PFD AND INCM SEC 464288687   4,121 133,245 SH   SOLE   0 0 133,245
ISHARES TR CORE S&P US VLU 464287663   47,661 609,004 SH   SOLE   0 0 609,004
ISHARES TR CORE S&P US GWT 464287671   38,985 399,269 SH   SOLE   0 0 399,269
ISHARES TR RUS 2000 VAL ETF 464287630   4,911 34,881 SH   SOLE   0 0 34,881
ISHARES TR RUS 2000 GRW ETF 464287648   657 2,706 SH   SOLE   0 0 2,706
ISHARES TR CORE MSCI TOTAL 46432F834   8,418 134,437 SH   SOLE   0 0 134,437
ISHARES TR CORE S&P SCP ETF 464287804   12,897 129,427 SH   SOLE   0 0 129,427
ISHARES TR MSCI USA VALUE 46432F388   767 8,176 SH   SOLE   0 0 8,176
ISHARES TR CORE TOTAL USD 46434V613   2,903 63,838 SH   SOLE   0 0 63,838
ISHARES TR MSCI USA MIN VOL 46429B697   2,441 32,843 SH   SOLE   0 0 32,843
ISHARES TR MSCI ACWI EX US 464288240   252 5,125 SH   SOLE   0 0 5,125
ISHARES TR MSCI USA QLT FCT 46432F339   13,131 97,358 SH   SOLE   0 0 97,358
ISHARES TR NATIONAL MUN ETF 464288414   10,667 99,941 SH   SOLE   0 0 99,941
ISHARES TR TIPS BD ETF 464287176   228 2,114 SH   SOLE   0 0 2,114
ISHARES TR SHRT NAT MUN ETF 464288158   10,032 96,428 SH   SOLE   0 0 96,428
ISHARES TR MORNINGSTAR GRWT 464287119   679 10,892 SH   SOLE   0 0 10,892
ISHARES TR RUS MID CAP ETF 464287499   270 3,694 SH   SOLE   0 0 3,694
ISHARES TR S&P 500 GRWT ETF 464287309   536 7,606 SH   SOLE   0 0 7,606
ISHARES TR S&P MC 400GR ETF 464287606   1,716 22,884 SH   SOLE   0 0 22,884
ISHARES TR MORNINGSTAR VALU 464288109   216 3,243 SH   SOLE   0 0 3,243
ISHARES TR CORE 1 5 YR USD 46432F859   6,971 149,470 SH   SOLE   0 0 149,470
ISHARES TR S&P MC 400VL ETF 464287705   3,202 29,886 SH   SOLE   0 0 29,886
ISHARES TR MSCI EAFE ETF 464287465   829 11,433 SH   SOLE   0 0 11,433
ISHARES TR U S EQUITY FACTR 46434V282   1,842 41,330 SH   SOLE   0 0 41,330
ISHARES TR CORE S&P MCP ETF 464287507   4,248 16,248 SH   SOLE   0 0 16,248
ISHARES TR RUSSELL 2000 ETF 464287655   264 1,408 SH   SOLE   0 0 1,408
ISHARES TR S&P 500 VAL ETF 464287408   528 3,273 SH   SOLE   0 0 3,273
ISHARES TR CORE DIV GRWTH 46434V621   8,437 163,722 SH   SOLE   0 0 163,722
ISHARES TR MRGSTR SM CP GR 464288604   501 12,093 SH   SOLE   0 0 12,093
ISHARES TR BLACKROCK ULTRA 46434V878   8,419 167,369 SH   SOLE   0 0 167,369
ISHARES TR MRGSTR MD CP ETF 464288208   289 4,568 SH   SOLE   0 0 4,568
ISHARES TR CORE S&P TTL STK 464287150   2,810 28,721 SH   SOLE   0 0 28,721
ISHARES TR CORE US AGGBD ET 464287226   783 7,991 SH   SOLE   0 0 7,991
ISHARES TR MRGSTR MD CP GRW 464288307   602 9,876 SH   SOLE   0 0 9,876
ISHARES TR MRGSTR MD CP VAL 464288406   206 3,235 SH   SOLE   0 0 3,235
ISHARES TR RUS MDCP VAL ETF 464287473   34,206 311,415 SH   SOLE   0 0 311,415
ISHARES TR 0-5YR HI YL CP 46434V407   5,305 127,992 SH   SOLE   0 0 127,992
ISHARES TR MORNINGSTR US EQ 464287127   259 4,245 SH   SOLE   0 0 4,245
ISHARES TR RUS MD CP GR ETF 464287481   3,039 31,451 SH   SOLE   0 0 31,451
ISHARES TR CORE S&P500 ETF 464287200   7,824 17,554 SH   SOLE   0 0 17,554
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   5,910 118,872 SH   SOLE   0 0 118,872
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   2,949 59,116 SH   SOLE   0 0 59,116
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   13,254 284,550 SH   SOLE   0 0 284,550
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   213 4,252 SH   SOLE   0 0 4,252
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   385 8,695 SH   SOLE   0 0 8,695
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   4,933 89,155 SH   SOLE   0 0 89,155
JOHNSON & JOHNSON COM 478160104   771 4,657 SH   SOLE   0 0 4,657
JPMORGAN CHASE & CO COM 46625H100   1,396 9,596 SH   SOLE   0 0 9,596
LABORATORY CORP AMER HLDGS COM NEW 50540R409   242 1,004 SH   SOLE   0 0 1,004
LILLY ELI & CO COM 532457108   28,373 60,500 SH   SOLE   0 0 60,500
MCDONALDS CORP COM 580135101   240 803 SH   SOLE   0 0 803
MERCK & CO INC COM 58933Y105   334 2,896 SH   SOLE   0 0 2,896
MICROSOFT CORP COM 594918104   4,134 12,139 SH   SOLE   0 0 12,139
MONDELEZ INTL INC CL A 609207105   257 3,530 SH   SOLE   0 0 3,530
MORGAN STANLEY COM NEW 617446448   241 2,820 SH   SOLE   0 0 2,820
NIKE INC CL B 654106103   388 3,518 SH   SOLE   0 0 3,518
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100   233 16,188 SH   SOLE   0 0 16,188
NVIDIA CORPORATION COM 67066G104   685 1,620 SH   SOLE   0 0 1,620
ORACLE CORP COM 68389X105   461 3,873 SH   SOLE   0 0 3,873
PACER FDS TR US CASH COWS 100 69374H881   21,044 439,614 SH   SOLE   0 0 439,614
PEPSICO INC COM 713448108   1,218 6,575 SH   SOLE   0 0 6,575
PFIZER INC COM 717081103   225 6,132 SH   SOLE   0 0 6,132
PROCTER AND GAMBLE CO COM 742718109   736 4,848 SH   SOLE   0 0 4,848
PROSHARES TR PSHS ULTRUSS2000 74347R842   999 29,048 SH   SOLE   0 0 29,048
QUALCOMM INC COM 747525103   826 6,941 SH   SOLE   0 0 6,941
SALESFORCE INC COM 79466L302   241 1,140 SH   SOLE   0 0 1,140
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,050 20,316 SH   SOLE   0 0 20,316
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   662 12,634 SH   SOLE   0 0 12,634
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   697 9,296 SH   SOLE   0 0 9,296
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   10,756 148,116 SH   SOLE   0 0 148,116
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,013 12,477 SH   SOLE   0 0 12,477
SPDR GOLD TR GOLD SHS 78463V107   707 3,965 SH   SOLE   0 0 3,965
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   247 7,578 SH   SOLE   0 0 7,578
SPDR S&P 500 ETF TR TR UNIT 78462F103   739 1,667 SH   SOLE   0 0 1,667
SPDR SER TR S&P 600 SMCP GRW 78464A201   2,956 38,415 SH   SOLE   0 0 38,415
SPDR SER TR S&P 600 SMCP VAL 78464A300   4,128 53,481 SH   SOLE   0 0 53,481
SPDR SER TR PRTFLO S&P500 GW 78464A409   1,080 17,709 SH   SOLE   0 0 17,709
SPDR SER TR BLOOMBERG SHT TE 78468R408   217 8,781 SH   SOLE   0 0 8,781
SPDR SER TR PORTFOLIO AGRGTE 78464A649   259 10,198 SH   SOLE   0 0 10,198
SPDR SER TR S&P 400 MDCP VAL 78464A839   3,422 49,760 SH   SOLE   0 0 49,760
SPDR SER TR PORTFOLIO S&P500 78464A854   597 11,463 SH   SOLE   0 0 11,463
SPDR SER TR NUVEEN BLMBRG SH 78468R739   2,101 44,644 SH   SOLE   0 0 44,644
SPDR SER TR S&P DIVID ETF 78464A763   225 1,833 SH   SOLE   0 0 1,833
SPDR SER TR S&P 400 MDCP GRW 78464A821   2,694 37,596 SH   SOLE   0 0 37,596
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   5,857 139,876 SH   SOLE   0 0 139,876
STANLEY BLACK & DECKER INC COM 854502101   389 4,149 SH   SOLE   0 0 4,149
STARBUCKS CORP COM 855244109   367 3,708 SH   SOLE   0 0 3,708
TESLA INC COM 88160R101   1,360 5,197 SH   SOLE   0 0 5,197
TEXAS INSTRS INC COM 882508104   272 1,512 SH   SOLE   0 0 1,512
TJX COS INC NEW COM 872540109   218 2,575 SH   SOLE   0 0 2,575
UNION PAC CORP COM 907818108   742 3,627 SH   SOLE   0 0 3,627
UNITEDHEALTH GROUP INC COM 91324P102   552 1,149 SH   SOLE   0 0 1,149
VANECK ETF TRUST OIL SERVICES ETF 92189H607   519 1,805 SH   SOLE   0 0 1,805
VANGUARD BD INDEX FDS INTERMED TERM 921937819   302 4,011 SH   SOLE   0 0 4,011
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   15,418 204,019 SH   SOLE   0 0 204,019
VANGUARD INDEX FDS GROWTH ETF 922908736   377 1,333 SH   SOLE   0 0 1,333
VANGUARD INDEX FDS VALUE ETF 922908744   800 5,633 SH   SOLE   0 0 5,633
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   708 1,739 SH   SOLE   0 0 1,739
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   2,391 17,278 SH   SOLE   0 0 17,278
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,079 15,481 SH   SOLE   0 0 15,481
VANGUARD INDEX FDS MID CAP ETF 922908629   3,509 15,940 SH   SOLE   0 0 15,940
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   460 5,508 SH   SOLE   0 0 5,508
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,623 7,889 SH   SOLE   0 0 7,889
VANGUARD INDEX FDS SM CP VAL ETF 922908611   7,023 42,458 SH   SOLE   0 0 42,458
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   536 13,175 SH   SOLE   0 0 13,175
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   739 13,585 SH   SOLE   0 0 13,585
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   21,048 419,108 SH   SOLE   0 0 419,108
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   13,091 185,009 SH   SOLE   0 0 185,009
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   860 5,292 SH   SOLE   0 0 5,292
VANGUARD STAR FDS VG TL INTL STK F 921909768   3,556 63,414 SH   SOLE   0 0 63,414
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   7,364 98,074 SH   SOLE   0 0 98,074
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   338 3,188 SH   SOLE   0 0 3,188
VANGUARD WORLD FD ESG US STK ETF 921910733   215 2,747 SH   SOLE   0 0 2,747
VERIZON COMMUNICATIONS INC COM 92343V104   483 13,000 SH   SOLE   0 0 13,000
VICTORY PORTFOLIOS II SHORT TRM BD ETF 92647N535   524 10,713 SH   SOLE   0 0 10,713
VISA INC COM CL A 92826C839   384 1,618 SH   SOLE   0 0 1,618
WALMART INC COM 931142103   254 1,614 SH   SOLE   0 0 1,614
WISDOMTREE TR US TOTAL DIVIDND 97717W109   211 3,400 SH   SOLE   0 0 3,400
WISDOMTREE TR US QTLY DIV GRT 97717X669   402 6,031 SH   SOLE   0 0 6,031
WORLD GOLD TR SPDR GLD MINIS 98149E303   273 7,162 SH   SOLE   0 0 7,162
YUM BRANDS INC COM 988498101   303 2,185 SH   SOLE   0 0 2,185