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   1,580 16,310 SH   SOLE   0 0 16,310
ABBVIE INC COM 00287Y109   2,315 15,534 SH   SOLE   0 0 15,534
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   402 1,309 SH   SOLE   0 0 1,309
ALPHABET INC CAP STK CL A 02079K305   746 5,699 SH   SOLE   0 0 5,699
ALPHABET INC CAP STK CL C 02079K107   418 3,170 SH   SOLE   0 0 3,170
AMAZON COM INC COM 023135106   846 6,653 SH   SOLE   0 0 6,653
AMERICAN CENTY ETF TR US SML CP VALU 025072877   21,666 277,951 SH   SOLE   8,053 0 269,898
APPLE INC COM 037833100   5,374 31,388 SH   SOLE   0 0 31,388
AT&T INC COM 00206R102   477 31,733 SH   SOLE   0 0 31,733
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,919 5,478 SH   SOLE   0 0 5,478
BERKSHIRE HATHAWAY INC DEL CL A 084670108   531 1 SH   SOLE   0 0 1
BP PLC SPONSORED ADR 055622104   319 8,243 SH   SOLE   0 0 8,243
BRISTOL-MYERS SQUIBB CO COM 110122108   257 4,436 SH   SOLE   0 0 4,436
CALUMET SPECIALTY PRODS PART UT LTD PARTNER 131476103   8,015 419,653 SH   SOLE   0 0 419,653
CATERPILLAR INC COM 149123101   1,116 4,087 SH   SOLE   0 0 4,087
CHEVRON CORP NEW COM 166764100   289 1,715 SH   SOLE   0 0 1,715
CISCO SYS INC COM 17275R102   339 6,299 SH   SOLE   0 0 6,299
CLEAN HARBORS INC COM 184496107   7,735 46,215 SH   SOLE   0 0 46,215
COCA COLA CO COM 191216100   332 5,931 SH   SOLE   0 0 5,931
COSTCO WHSL CORP NEW COM 22160K105   721 1,277 SH   SOLE   0 0 1,277
CUMMINS INC COM 231021106   417 1,825 SH   SOLE   0 0 1,825
CVS HEALTH CORP COM 126650100   296 4,245 SH   SOLE   0 0 4,245
DISNEY WALT CO COM 254687106   223 2,746 SH   SOLE   0 0 2,746
ELEVANCE HEALTH INC COM 036752103   643 1,477 SH   SOLE   0 0 1,477
EXXON MOBIL CORP COM 30231G102   1,122 9,539 SH   SOLE   0 0 9,539
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   14,536 333,692 SH   SOLE   1,305 0 332,387
GENERAL ELECTRIC CO COM NEW 369604301   862 7,799 SH   SOLE   0 0 7,799
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230   212 4,243 SH   SOLE   0 0 4,243
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   6,978 232,373 SH   SOLE   4,615 0 227,758
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   787 7,860 SH   SOLE   0 0 7,860
HERITAGE CRYSTAL CLEAN INC COM 42726M106   2,624 57,866 SH   SOLE   0 0 57,866
HOME DEPOT INC COM 437076102   439 1,454 SH   SOLE   0 0 1,454
I-80 GOLD CORP COM 44955L106   34 22,500 SH   SOLE   0 0 22,500
INTERNATIONAL BUSINESS MACHS COM 459200101   376 2,680 SH   SOLE   0 0 2,680
INTUITIVE SURGICAL INC COM NEW 46120E602   493 1,685 SH   SOLE   0 0 1,685
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   223 20,370 SH   SOLE   0 0 20,370
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   267 4,534 SH   SOLE   0 0 4,534
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   817 25,675 SH   SOLE   0 0 25,675
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   263 5,250 SH   SOLE   0 0 5,250
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   233 1,642 SH   SOLE   0 0 1,642
ISHARES INC CORE MSCI EMKT 46434G103   228 4,784 SH   SOLE   0 0 4,784
ISHARES TR PFD AND INCM SEC 464288687   4,571 151,604 SH   SOLE   625 0 150,979
ISHARES TR CORE MSCI TOTAL 46432F834   7,975 132,939 SH   SOLE   0 0 132,939
ISHARES TR CORE S&P US GWT 464287671   38,485 405,832 SH   SOLE   2,674 0 403,158
ISHARES TR RUS 2000 GRW ETF 464287648   400 1,784 SH   SOLE   0 0 1,784
ISHARES TR CORE S&P SCP ETF 464287804   11,874 125,873 SH   SOLE   0 0 125,873
ISHARES TR RUS 2000 VAL ETF 464287630   3,563 26,288 SH   SOLE   0 0 26,288
ISHARES TR MSCI ACWI EX US 464288240   241 5,125 SH   SOLE   0 0 5,125
ISHARES TR CORE S&P US VLU 464287663   45,014 603,241 SH   SOLE   35,045 0 568,196
ISHARES TR MSCI USA VALUE 46432F388   685 7,556 SH   SOLE   0 0 7,556
ISHARES TR CORE TOTAL USD 46434V613   2,735 62,574 SH   SOLE   0 0 62,574
ISHARES TR NATIONAL MUN ETF 464288414   10,439 101,806 SH   SOLE   0 0 101,806
ISHARES TR TIPS BD ETF 464287176   221 2,135 SH   SOLE   0 0 2,135
ISHARES TR SHRT NAT MUN ETF 464288158   10,105 98,245 SH   SOLE   0 0 98,245
ISHARES TR MORNINGSTAR GRWT 464287119   650 10,892 SH   SOLE   0 0 10,892
ISHARES TR MSCI USA QLT FCT 46432F339   12,291 93,263 SH   SOLE   961 0 92,302
ISHARES TR MSCI USA MIN VOL 46429B697   2,341 32,349 SH   SOLE   0 0 32,349
ISHARES TR RUS MID CAP ETF 464287499   265 3,821 SH   SOLE   0 0 3,821
ISHARES TR CORE S&P MCP ETF 464287507   4,038 16,193 SH   SOLE   0 0 16,193
ISHARES TR U S EQUITY FACTR 46434V282   1,684 38,883 SH   SOLE   0 0 38,883
ISHARES TR RUSSELL 2000 ETF 464287655   249 1,408 SH   SOLE   0 0 1,408
ISHARES TR S&P 500 VAL ETF 464287408   504 3,273 SH   SOLE   0 0 3,273
ISHARES TR MORNINGSTAR VALU 464288109   210 3,243 SH   SOLE   0 0 3,243
ISHARES TR CORE S&P500 ETF 464287200   7,845 18,269 SH   SOLE   0 0 18,269
ISHARES TR RUS MD CP GR ETF 464287481   2,737 29,966 SH   SOLE   0 0 29,966
ISHARES TR CORE 1 5 YR USD 46432F859   6,757 145,679 SH   SOLE   0 0 145,679
ISHARES TR S&P MC 400VL ETF 464287705   2,991 29,633 SH   SOLE   0 0 29,633
ISHARES TR MSCI EAFE ETF 464287465   762 11,059 SH   SOLE   0 0 11,059
ISHARES TR BLACKROCK ULTRA 46434V878   8,525 169,212 SH   SOLE   0 0 169,212
ISHARES TR RUS MDCP VAL ETF 464287473   31,188 298,904 SH   SOLE   0 0 298,904
ISHARES TR MRGSTR MD CP ETF 464288208   273 4,568 SH   SOLE   0 0 4,568
ISHARES TR CORE S&P TTL STK 464287150   2,724 28,919 SH   SOLE   0 0 28,919
ISHARES TR CORE DIV GRWTH 46434V621   8,267 166,900 SH   SOLE   513 0 166,387
ISHARES TR MRGSTR SM CP GR 464288604   469 12,093 SH   SOLE   0 0 12,093
ISHARES TR CORE US AGGBD ET 464287226   362 3,848 SH   SOLE   0 0 3,848
ISHARES TR MRGSTR MD CP GRW 464288307   564 9,876 SH   SOLE   0 0 9,876
ISHARES TR S&P 500 GRWT ETF 464287309   520 7,606 SH   SOLE   0 0 7,606
ISHARES TR S&P MC 400GR ETF 464287606   1,630 22,562 SH   SOLE   8,604 0 13,958
ISHARES TR MORNINGSTR US EQ 464287127   250 4,245 SH   SOLE   0 0 4,245
ISHARES TR 0-5YR HI YL CP 46434V407   5,666 138,088 SH   SOLE   462 0 137,626
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   6,349 127,255 SH   SOLE   0 0 127,255
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   3,291 66,079 SH   SOLE   0 0 66,079
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   15,634 349,998 SH   SOLE   1,280 0 348,718
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   215 4,283 SH   SOLE   0 0 4,283
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   373 8,629 SH   SOLE   0 0 8,629
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   4,954 92,497 SH   SOLE   483 0 92,014
JOHNSON & JOHNSON COM 478160104   694 4,457 SH   SOLE   0 0 4,457
JPMORGAN CHASE & CO COM 46625H100   1,314 9,060 SH   SOLE   0 0 9,060
LILLY ELI & CO COM 532457108   28,497 53,054 SH   SOLE   0 0 53,054
MCDONALDS CORP COM 580135101   212 803 SH   SOLE   0 0 803
MERCK & CO INC COM 58933Y105   323 3,140 SH   SOLE   0 0 3,140
MICROSOFT CORP COM 594918104   3,558 11,268 SH   SOLE   0 0 11,268
MONDELEZ INTL INC CL A 609207105   231 3,330 SH   SOLE   0 0 3,330
MORGAN STANLEY COM NEW 617446448   231 2,823 SH   SOLE   0 0 2,823
NIKE INC CL B 654106103   335 3,503 SH   SOLE   0 0 3,503
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100   215 16,188 SH   SOLE   0 0 16,188
NVIDIA CORPORATION COM 67066G104   613 1,409 SH   SOLE   0 0 1,409
ORACLE CORP COM 68389X105   393 3,713 SH   SOLE   0 0 3,713
PACER FDS TR US CASH COWS 100 69374H881   25,169 509,187 SH   SOLE   10,491 0 498,696
PEPSICO INC COM 713448108   1,114 6,575 SH   SOLE   0 0 6,575
PFIZER INC COM 717081103   217 6,542 SH   SOLE   0 0 6,542
PROCTER AND GAMBLE CO COM 742718109   698 4,783 SH   SOLE   0 0 4,783
PROSHARES TR PSHS ULTRUSS2000 74347R842   787 26,036 SH   SOLE   0 0 26,036
QUALCOMM INC COM 747525103   757 6,813 SH   SOLE   0 0 6,813
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,012 20,304 SH   SOLE   0 0 20,304
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   639 12,634 SH   SOLE   0 0 12,634
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   10,238 144,688 SH   SOLE   295 0 144,393
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   723 9,941 SH   SOLE   0 0 9,941
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,128 12,477 SH   SOLE   0 0 12,477
SPDR GOLD TR GOLD SHS 78463V107   680 3,965 SH   SOLE   0 0 3,965
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   235 7,578 SH   SOLE   0 0 7,578
SPDR S&P 500 ETF TR TR UNIT 78462F103   775 1,812 SH   SOLE   0 0 1,812
SPDR SER TR S&P 600 SMCP GRW 78464A201   2,820 38,481 SH   SOLE   494 0 37,987
SPDR SER TR S&P 600 SMCP VAL 78464A300   3,603 49,792 SH   SOLE   690 0 49,102
SPDR SER TR NUVEEN BLMBRG SH 78468R739   2,064 44,650 SH   SOLE   0 0 44,650
SPDR SER TR S&P DIVID ETF 78464A763   202 1,754 SH   SOLE   0 0 1,754
SPDR SER TR BLOOMBERG SHT TE 78468R408   215 8,773 SH   SOLE   0 0 8,773
SPDR SER TR PRTFLO S&P500 GW 78464A409   1,041 17,562 SH   SOLE   0 0 17,562
SPDR SER TR PORTFOLIO AGRGTE 78464A649   248 10,198 SH   SOLE   0 0 10,198
SPDR SER TR PORTFOLIO S&P500 78464A854   620 12,340 SH   SOLE   0 0 12,340
SPDR SER TR S&P 400 MDCP VAL 78464A839   3,107 47,897 SH   SOLE   944 0 46,953
SPDR SER TR S&P 400 MDCP GRW 78464A821   2,727 39,436 SH   SOLE   699 0 38,737
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   6,121 145,976 SH   SOLE   462 0 145,514
STANLEY BLACK & DECKER INC COM 854502101   347 4,149 SH   SOLE   0 0 4,149
STARBUCKS CORP COM 855244109   338 3,708 SH   SOLE   0 0 3,708
TESLA INC COM 88160R101   1,279 5,113 SH   SOLE   0 0 5,113
TEXAS INSTRS INC COM 882508104   232 1,457 SH   SOLE   0 0 1,457
TJX COS INC NEW COM 872540109   229 2,575 SH   SOLE   0 0 2,575
UNION PAC CORP COM 907818108   739 3,627 SH   SOLE   0 0 3,627
UNITEDHEALTH GROUP INC COM 91324P102   581 1,153 SH   SOLE   0 0 1,153
VANECK ETF TRUST OIL SERVICES ETF 92189H607   623 1,805 SH   SOLE   0 0 1,805
VANGUARD BD INDEX FDS INTERMED TERM 921937819   290 4,011 SH   SOLE   0 0 4,011
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   16,815 223,687 SH   SOLE   824 0 222,863
VANGUARD INDEX FDS MID CAP ETF 922908629   3,672 17,635 SH   SOLE   85 0 17,550
VANGUARD INDEX FDS VALUE ETF 922908744   777 5,630 SH   SOLE   0 0 5,630
VANGUARD INDEX FDS GROWTH ETF 922908736   363 1,333 SH   SOLE   0 0 1,333
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,556 7,989 SH   SOLE   0 0 7,989
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   700 1,783 SH   SOLE   0 0 1,783
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   2,613 19,955 SH   SOLE   0 0 19,955
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,324 17,582 SH   SOLE   103 0 17,479
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   426 5,626 SH   SOLE   48 0 5,578
VANGUARD INDEX FDS SM CP VAL ETF 922908611   6,236 39,102 SH   SOLE   0 0 39,102
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   524 13,352 SH   SOLE   0 0 13,352
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   712 13,735 SH   SOLE   0 0 13,735
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   19,798 411,599 SH   SOLE   0 0 411,599
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   7,321 106,965 SH   SOLE   0 0 106,965
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   822 5,293 SH   SOLE   0 0 5,293
VANGUARD STAR FDS VG TL INTL STK F 921909768   3,326 62,144 SH   SOLE   0 0 62,144
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   7,383 103,509 SH   SOLE   1,291 0 102,218
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   330 3,190 SH   SOLE   0 0 3,190
VANGUARD WORLD FD ESG US STK ETF 921910733   209 2,777 SH   SOLE   0 0 2,777
VERIZON COMMUNICATIONS INC COM 92343V104   418 12,910 SH   SOLE   0 0 12,910
VICTORY PORTFOLIOS II SHORT TRM BD ETF 92647N535   877 17,931 SH   SOLE   0 0 17,931
VISA INC COM CL A 92826C839   370 1,608 SH   SOLE   0 0 1,608
WISDOMTREE TR US QTLY DIV GRT 97717X669   381 6,007 SH   SOLE   0 0 6,007
WORLD GOLD TR SPDR GLD MINIS 98149E303   260 7,101 SH   SOLE   0 0 7,101
YUM BRANDS INC COM 988498101   273 2,185 SH   SOLE   0 0 2,185