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
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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
AMAZON.COM INC Stock 023135106   4,406,357 33,801 SH   SOLE   0 0 33,801
ISHARES TR MID GRWTH INDX ETF ETF 464288307   4,107,890 67,409 SH   SOLE   0 0 67,409
ISHARES TR SMLL GRWTH IDX ETF ETF 464288604   2,979,230 71,945 SH   SOLE   0 0 71,945
PRUDENTIAL FINL INC Stock 744320102   2,823 32 SH   DFND 1 0 0 32
PRUDENTIAL FINL INC Stock 744320102   67,684 767 SH   SOLE   0 0 767
SIRIUS XM RADIO INC Stock 82968B103   73,653 16,259 SH   SOLE   0 0 16,259
POWERSHARES QQQ TR ETF 46090E103   13,865,724 37,534 SH   SOLE   0 0 37,534
TECHNOLOGY SELECT SECTOR SPDR ETF 81369Y803   1,023,298 5,886 SH   SOLE   0 0 5,886
PUBLIC SVC ENTERPRISE GRP INC COM Stock 744573106   1,878 30 SH   DFND 1 0 0 30
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649   4,265,458 168,130 SH   SOLE   0 0 168,130
ISHARES CORE INTERNATIONAL AGGREGATE BOND ETF ETF 46435G672   19,131,832 388,148 SH   SOLE   0 0 388,148
SPDR PORTFOLIO INTERMEDIATE TERM TREASURY ETF ETF 78464A672   4,681,769 165,492 SH   SOLE   0 0 165,492
ISHARES INTERNATIONAL SMALLCAP EQUITY FACTOR ETF ETF 46434V266   1,391,390 45,102 SH   SOLE   0 0 45,102
JOHNSON & JOHNSON COM Stock 478160104   4,138 25 SH   DFND 1 0 0 25
JOHNSON & JOHNSON COM Stock 478160104   3,176,421 19,191 SH   SOLE   0 0 19,191
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   1,791,524 8,133 SH   SOLE   0 0 8,133
VANGUARD ENERGY ETF 92204A306   336,793 2,983 SH   SOLE   0 0 2,983
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794   4,710,677 74,536 SH   SOLE   0 0 74,536
COSTCO WHOLESALE CORP Stock 22160K105   3,038,723 5,644 SH   SOLE   0 0 5,644
FIRST TRUST MATERIALS ALPHADEX (ETF) ETF 33734X168   359,042 5,593 SH   SOLE   0 0 5,593
GOLDMAN SACHS GROUP INC Stock 38141G104   239,002 741 SH   SOLE   0 0 741
REAL ESTATE SELECT SECTOR SPDR FUND ETF 81369Y860   3,307,611 87,758 SH   SOLE   0 0 87,758
PIMCO INCOME STRATEGY FUND II CEF 72201J104   887,017 123,026 SH   SOLE   0 0 123,026
PROCTER AND GAMBLE CO COM Stock 742718109   4,856 32 SH   DFND 1 0 0 32
PROCTER AND GAMBLE CO COM Stock 742718109   712,146 4,693 SH   SOLE   0 0 4,693
COCA COLA CO COM Stock 191216100   2,710 45 SH   DFND 1 0 0 45
COCA COLA CO COM Stock 191216100   1,975,314 32,802 SH   SOLE   0 0 32,802
ENTERPRISE PRODS PARTNERS L P Stock 293792107   248,855 9,444 SH   SOLE   0 0 9,444
TRUIST FINL CORP COM Stock 89832Q109   677,214 22,313 SH   SOLE   0 0 22,313
INVESCO BULLETSHARES 2025 CORPORATE BOND ETF ETF 46138J825   5,813,900 288,818 SH   SOLE   0 0 288,818
UNITED PARCEL SERVICE INC Stock 911312106   434,385 2,423 SH   SOLE   0 0 2,423
VANGUARD REIT INDEX ETF ETF 922908553   3,905,818 46,743 SH   SOLE   0 0 46,743
INTEL CORP COM Stock 458140100   213,092 6,372 SH   SOLE   0 0 6,372
MEDTRONIC PLC SHS Stock G5960L103   1,938 22 SH   DFND 1 0 0 22
MEDTRONIC PLC SHS Stock G5960L103   21,677 246 SH   SOLE   0 0 246
NETFLIX COM INC Stock 64110L106   490,706 1,114 SH   SOLE   0 0 1,114
PROLOGIS INC. COM REIT 74340W103   2,575 21 SH   DFND 1 0 0 21
PROLOGIS INC. COM REIT 74340W103   111,505 909 SH   SOLE   0 0 909
MERCK & CO INC Stock 58933Y105   5,308 46 SH   DFND 1 0 0 46
MERCK & CO INC Stock 58933Y105   704,221 6,103 SH   SOLE   0 0 6,103
SPDR S&P 500 ETF ETF 78462F103   3,909,849 8,820 SH   SOLE   0 0 8,820
MCKESSON CORP Stock 58155Q103   207,500 486 SH   SOLE   0 0 486
FIDELITY VALUE FACTOR ETF ETF 316092782   505,377 10,293 SH   SOLE   0 0 10,293
MASTERCARD INC Stock 57636Q104   7,661,963 19,481 SH   SOLE   0 0 19,481
EMERSON ELEC CO COM Stock 291011104   1,356 15 SH   DFND 1 0 0 15
EMERSON ELEC CO COM Stock 291011104   30,847 341 SH   SOLE   0 0 341
ISHARES TIPS BOND ETF ETF 464287176   290,928 2,703 SH   SOLE   0 0 2,703
ISHARES DOW JONES US HOME CONST (ETF) ETF 464288752   331,628 3,881 SH   SOLE   0 0 3,881
PARSONS CORP DEL COM Stock 70202L102   249,461 5,182 SH   SOLE   0 0 5,182
BANK NEW YORK MELLON CORP COM Stock 064058100   1,514 34 SH   DFND 1 0 0 34
BANK NEW YORK MELLON CORP COM Stock 064058100   13,490 303 SH   SOLE   0 0 303
PACER US CASH COWS 100 ETF ETF 69374H881   15,892,735 331,998 SH   SOLE   0 0 331,998
VERIZON COMMUNICATIONS Stock 92343V104   3,050 82 SH   DFND 1 0 0 82
VERIZON COMMUNICATIONS Stock 92343V104   783,509 21,068 SH   SOLE   0 0 21,068
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF ETF 922042718   2,840,591 25,711 SH   SOLE   0 0 25,711
PEPSICO INC COM Stock 713448108   4,075 22 SH   DFND 1 0 0 22
PEPSICO INC COM Stock 713448108   317,794 1,716 SH   SOLE   0 0 1,716
FIRSTENERGY CORP Stock 337932107   26,380 679 SH   SOLE   0 0 679
FORD MOTOR COMPANY Stock 345370860   2,693 178 SH   DFND 1 0 0 178
FORD MOTOR COMPANY Stock 345370860   427,279 28,240 SH   SOLE   0 0 28,240
SPDR PORTFOLIO MORTGAGE BACKED BOND ETF ETF 78464A383   6,079,138 277,460 SH   SOLE   0 0 277,460
US BANCORP DEL COM NEW Stock 902973304   1,850 56 SH   DFND 1 0 0 56
US BANCORP DEL COM NEW Stock 902973304   12,110 367 SH   SOLE   0 0 367
FIRST TRUST ENERGY ALPHADEX FUND ETF 33734X127   236,649 15,131 SH   SOLE   0 0 15,131
SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF ETF 78464A359   799,018 11,423 SH   SOLE   0 0 11,423
HOME DEPOT Stock 437076102   4,038 13 SH   DFND 1 0 0 13
HOME DEPOT Stock 437076102   3,574,984 11,508 SH   SOLE   0 0 11,508
VILLAGE FARMS INTL INC COM Stock 92707Y108   15,419 25,750 SH   SOLE   0 0 25,750
PACER US SMALL CAP CASH COWS 100 ETF ETF 69374H857   4,991,869 122,650 SH   SOLE   0 0 122,650
JPMORGAN INTERNATIONAL BOND OPPORTUNITIES ETF ETF 46641Q852   3,225,416 69,215 SH   SOLE   0 0 69,215
FIRST TRUST FINANCIALS ALPHADEX FUND ETF 33734X135   903,429 23,964 SH   SOLE   0 0 23,964
PACER DEVELOPED MARKETS INTERNATIONAL CASH COWS 100 ETF ETF 69374H873   6,966,101 234,312 SH   SOLE   0 0 234,312
ISHARES RUSSELL 2000 VALUE ETF 464287630   263,421 1,871 SH   SOLE   0 0 1,871
HEALTH CARE SELECT SECTOR SPDR ETF 81369Y209   2,955,874 22,270 SH   SOLE   0 0 22,270
SPDR GOLD ETF ETF 78463V107   1,328,938 7,455 SH   SOLE   0 0 7,455
SOUTHERN CO COM Stock 842587107   2,951 42 SH   DFND 1 0 0 42
SOUTHERN CO COM Stock 842587107   88,274 1,257 SH   SOLE   0 0 1,257
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   2,510,635 9,124 SH   SOLE   0 0 9,124
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   5,722,145 160,509 SH   SOLE   0 0 160,509
CONSUMER STAPLES SELECT SECTOR SPDR ETF 81369Y308   355,565 4,794 SH   SOLE   0 0 4,794
INVESCO BULLETSHARES 2027 CORPORATE BOND ETF ETF 46138J783   209,819 11,028 SH   SOLE   0 0 11,028
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837   1,557,857 31,070 SH   SOLE   0 0 31,070
GALLAGHER ARTHUR J & CO COM Stock 363576109   5,270 24 SH   DFND 1 0 0 24
GALLAGHER ARTHUR J & CO COM Stock 363576109   76,850 350 SH   SOLE   0 0 350
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300   3,840,427 51,240 SH   SOLE   0 0 51,240
ISHARES S&P SMALLCAP 600 ETF ETF 464287804   9,246,639 92,791 SH   SOLE   0 0 92,791
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   7,076,944 20,754 SH   SOLE   0 0 20,754
ADOBE SYS INC Stock 00724F101   479,210 980 SH   SOLE   0 0 980
VANGUARD SHORT-TERM CORPORATE BOND ETF ETF 92206C409   4,021,690 53,155 SH   SOLE   0 0 53,155
ALPHABET INC CAP STK CL A Stock 02079K305   2,457,884 20,534 SH   SOLE   0 0 20,534
FISERV INC Stock 337738108   843,669 6,688 SH   SOLE   0 0 6,688
EASTMAN CHEMICAL CO Stock 277432100   1,340 16 SH   DFND 1 0 0 16
EASTMAN CHEMICAL CO Stock 277432100   2,833 34 SH   SOLE   0 0 34
CSX CORP Stock 126408103   649,333 19,042 SH   SOLE   0 0 19,042
COMCAST CORP NEW CL A Stock 20030N101   2,244 54 SH   DFND 1 0 0 54
COMCAST CORP NEW CL A Stock 20030N101   214,643 5,166 SH   SOLE   0 0 5,166
MICROSOFT Stock 594918104   5,108 15 SH   DFND 1 0 0 15
MICROSOFT Stock 594918104   4,151,066 12,190 SH   SOLE   0 0 12,190
HEALTH CARE PPTY INVS INC REIT 42250P103   1,005 50 SH   DFND 1 0 0 50
HEALTH CARE PPTY INVS INC REIT 42250P103   25,544 1,271 SH   SOLE   0 0 1,271
CVS HEALTH CORP COM Stock 126650100   134,107 1,940 SH   SOLE   0 0 1,940
ISHARES EUROPE 350 INDEX ETF 464287861   322,661 6,384 SH   SOLE   0 0 6,384
EVERGY INC COM Stock 30034W106   1,519 26 SH   DFND 1 0 0 26
EVERGY INC COM Stock 30034W106   9,639 165 SH   SOLE   0 0 165
INVESCO BULLETSHARES 2026 CORPORATE BOND ETF ETF 46138J791   700,335 36,967 SH   SOLE   0 0 36,967
FIRST TRUST TCW UNCONSTRAINED PLUS BOND ETF ETF 33740F888   3,349,148 138,566 SH   SOLE   0 0 138,566
INNOVATOR U.S. EQUITY POWER BUFFER ETF - JULY ETF 45782C813   1,112,834 32,520 SH   SOLE   0 0 32,520
EXPONENT INC Stock 30214U102   469,680 5,033 SH   SOLE   0 0 5,033
BERKSHIRE HATHAWAY INC DEL CL A Stock 084670108   517,810 1 SH   SOLE   0 0 1
BOEING CO COM Stock 097023105   928,087 4,395 SH   SOLE   0 0 4,395
VANGUARD SMALL CAP ETF ETF 922908751   4,700,906 23,636 SH   SOLE   0 0 23,636
VANGUARD MID CAP ETF 922908629   2,218,511 10,077 SH   SOLE   0 0 10,077
VANGUARD LARGE CAP ETF 922908637   636,282 3,139 SH   SOLE   0 0 3,139
NEXTERA ENERGY INC COM Stock 65339F101   334,422 4,507 SH   SOLE   0 0 4,507
VANGUARD SHORT-TERM TREASURY ETF ETF 92206C102   9,605,379 166,385 SH   SOLE   0 0 166,385
TESLA MOTORS INC Stock 88160R101   1,546,799 5,909 SH   SOLE   0 0 5,909
EQUITRANS MIDSTREAM CORP COM Stock 294600101   95,942 10,036 SH   SOLE   0 0 10,036
INVENTRUST PPTYS CORP REIT 46124J201   760,597 32,869 SH   SOLE   0 0 32,869
PIMCO SHORT TERM MUNICIPAL BOND ACTIVE ETF ETF 72201R874   2,285,265 46,139 SH   SOLE   0 0 46,139
VANGUARD HEALTH CARE ETF ETF 92204A504   615,122 2,513 SH   SOLE   0 0 2,513
FINANCIAL SELECT SECTOR SPDR ETF 81369Y605   853,901 25,331 SH   SOLE   0 0 25,331
NORFOLK SOUTHERN CRP Stock 655844108   952,819 4,202 SH   SOLE   0 0 4,202
PUBLIC STORAGE INC REIT 74460D109   312,310 1,070 SH   SOLE   0 0 1,070
VANGUARD CONSUMER STAPLES ETF ETF 92204A207   2,856,657 14,691 SH   SOLE   0 0 14,691
VANGUARD INFORMATION TECHNOLOGY ETF 92204A702   9,871,937 22,327 SH   SOLE   0 0 22,327
PIMCO INTERMEDIATE MUNICIPAL BOND ACTIVE ETF ETF 72201R866   268,023 5,170 SH   SOLE   0 0 5,170
DISTILLATE US FUNDAMENTAL STABILITY & VALUE ETF ETF 26922A321   307,508 6,794 SH   SOLE   0 0 6,794
DOW INC COM Stock 260557103   2,556 48 SH   DFND 1 0 0 48
DOW INC COM Stock 260557103   9,015 169 SH   SOLE   0 0 169
INNOVATOR U.S. EQUITY POWER BUFFER ETF - APRIL ETF 45782C870   1,364,760 44,167 SH   SOLE   0 0 44,167
VANGUARD S&P 500 ETF ETF 922908363   1,877,816 4,611 SH   SOLE   0 0 4,611
ISHARES DJ US HEALTH CARE PROVIDERS ETF 464288828   1,134,465 4,435 SH   SOLE   0 0 4,435
FIFTH THIRD BANCORP COM Stock 316773100   1,756 67 SH   DFND 1 0 0 67
FIFTH THIRD BANCORP COM Stock 316773100   178,401 6,807 SH   SOLE   0 0 6,807
S & P MID CAP 400 DEP RCPTS MID CAP ETF 78467Y107   512,798 1,071 SH   SOLE   0 0 1,071
INNOVATOR U.S. EQUITY POWER BUFFER ETF - JUNE ETF 45782C748   1,658,526 52,369 SH   SOLE   0 0 52,369
HUNTINGTON BANCSHARES INC COM Stock 446150104   841 78 SH   DFND 1 0 0 78
HUNTINGTON BANCSHARES INC COM Stock 446150104   9,349 867 SH   SOLE   0 0 867
ISHARES RUSSELL TOP 200 GROWTH ETF ETF 464289438   4,315,190 27,215 SH   SOLE   0 0 27,215
AMERICAN CENTURY DIVERSIFIED MUNICIPAL BOND ETF ETF 025072505   2,979,400 59,588 SH   SOLE   0 0 59,588
RYDEX ETF TR S&P EQUAL WEIGHT CONSUMER STAPLES ETF ETF 46137V373   12,112,137 72,346 SH   SOLE   0 0 72,346
LILLY ELI & CO COM Stock 532457108   1,762,704 3,759 SH   SOLE   0 0 3,759
WESTERN DIGITAL CORP. 1.5 02/01/2024 Convertible 958102AP0   19,390 20,000 SH   SOLE   0 0 20,000
AVANTIS U.S. SMALL CAP VALUE ETF ETF 025072877   2,374,286 30,593 SH   SOLE   0 0 30,593
VANGUARD RUSSELL 1000 GROWTH ETF ETF 92206C680   3,212,541 45,401 SH   SOLE   0 0 45,401
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF ETF 025072802   383,234 6,658 SH   SOLE   0 0 6,658
AVANTIS EMERGING MARKETS EQUITY ETF ETF 025072604   1,438,877 26,740 SH   SOLE   0 0 26,740
AVANTIS U.S. EQUITY ETF ETF 025072885   621,006 8,259 SH   SOLE   0 0 8,259
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768   554,683 9,891 SH   SOLE   0 0 9,891
PIMCO CORPORATE OPPORTUNITY FUND CEF 72201B101   388,630 27,759 SH   SOLE   0 0 27,759
ISHARES RUSSELL 2000 ETF ETF 464287655   439,013 2,344 SH   SOLE   0 0 2,344
DUKE ENERGY CORP NEW COM NEW Stock 26441C204   1,569,146 17,485 SH   SOLE   0 0 17,485
MICRON TECHNOLOGY Stock 595112103   693,364 10,987 SH   SOLE   0 0 10,987
INVESCO S&P MIDCAP MOMENTUM ETF ETF 46137V464   746,539 9,388 SH   SOLE   0 0 9,388
ISHARES FLOATING RATE BOND ETF ETF 46429B655   380,754 7,492 SH   SOLE   0 0 7,492
AMERICAN ELEC PWR CO INC COM Stock 025537101   84 1 SH   DFND 1 0 0 1
AMERICAN ELEC PWR CO INC COM Stock 025537101   851,329 10,111 SH   SOLE   0 0 10,111
ISHARES RUSSELL MIDCAP GROWTH ETF ETF 464287481   614,827 6,363 SH   SOLE   0 0 6,363
VANGUARD SMALL CAP VALUE ETF ETF 922908611   460,264 2,783 SH   SOLE   0 0 2,783
MAGELLAN MIDSTREAM PARTNERS LP Stock 559080106   271,034 4,349 SH   SOLE   0 0 4,349
VANGUARD MID CAP GROWTH ETF ETF 922908538   339,679 1,651 SH   SOLE   0 0 1,651
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797   17,404,425 239,664 SH   SOLE   0 0 239,664
ISHARES MSCI EMERGING MARKETS MIN VOL FACTOR ETF ETF 464286533   1,529,159 27,813 SH   SOLE   0 0 27,813
XTRACKERS MSCI EAFE HEDGED EQUITY ETF ETF 233051200   464,800 13,141 SH   SOLE   0 0 13,141
INVESCO FTSE RAFI US 1000 ETF ETF 46137V613   211,109 1,290 SH   SOLE   0 0 1,290
ISHARES TR S&P GLOBAL 100 INDEXFD ETF 464287572   4,787,398 62,942 SH   SOLE   0 0 62,942
VISA INC Stock 92826C839   3,253,224 13,699 SH   SOLE   0 0 13,699
DIMENSIONAL U.S. TARGETED VALUE ETF ETF 25434V609   2,949,930 63,590 SH   SOLE   0 0 63,590
HOLLEY INC COM Stock 43538H103   82,581 20,191 SH   SOLE   0 0 20,191
DIMENSIONAL INTERNATIONAL VALUE ETF ETF 25434V807   1,227,177 37,357 SH   SOLE   0 0 37,357
SYLVAMO CORP COMMON STOCK Stock 871332102   40 1 SH   DFND 1 0 0 1
AVANTIS U.S. LARGE CAP VALUE ETF ETF 025072349   265,707 4,980 SH   SOLE   0 0 4,980
VANGUARD VALUE ETF ETF 922908744   19,210,666 135,191 SH   SOLE   0 0 135,191
VANGUARD GROWTH ETF ETF 922908736   27,189,211 96,089 SH   SOLE   0 0 96,089
SPDR BARCLAYS CAPITAL SHORT TERM HIGH YIELD BOND ETF ETF 78468R408   5,716,091 231,421 SH   SOLE   0 0 231,421
JPMORGAN INCOME ETF ETF 46641Q159   470,894 10,418 SH   SOLE   0 0 10,418
EATON VANCE TAX MANAGED BUY WRITE OPPORTUNITIES FD COM CEF 27829C105   495,398 60,267 SH   SOLE   0 0 60,267
VANECK FALLEN ANGEL HIGH YIELD BOND ETF ETF 92189F437   240,426 8,658 SH   SOLE   0 0 8,658
META PLATFORMS INC CL A Stock 30303M102   230,158 802 SH   SOLE   0 0 802
PIMCO DYNAMIC INCOME FD SHS CEF 72201Y101   591,286 31,535 SH   SOLE   0 0 31,535
VANGUARD MATERIALS ETF ETF 92204A801   4,628,176 25,434 SH   SOLE   0 0 25,434
PALO ALTO NETWORKS INC COM Stock 697435105   2,265,352 8,866 SH   SOLE   0 0 8,866
IZEA WORLDWIDE INC COM NEW Stock 46604H105   40,182 16,604 SH   SOLE   0 0 16,604
MONDELEZ INTL INC CL A Stock 609207105   2,626 36 SH   DFND 1 0 0 36
MONDELEZ INTL INC CL A Stock 609207105   133,106 1,825 SH   SOLE   0 0 1,825
WP CAREY INC COM REIT 92936U109   1,486 22 SH   DFND 1 0 0 22
WP CAREY INC COM REIT 92936U109   57,223 847 SH   SOLE   0 0 847
AVAGO TECHNOLOGIES LTD Stock 11135F101   2,602 3 SH   DFND 1 0 0 3
AVAGO TECHNOLOGIES LTD Stock 11135F101   68,147 79 SH   SOLE   0 0 79
VANGUARD SHORT TERM INFL-PROTECTED ETF 922020805   4,918,924 103,731 SH   SOLE   0 0 103,731
JOHNSON CTLS INC Stock G51502105   1,772 26 SH   DFND 1 0 0 26
JOHNSON CTLS INC Stock G51502105   31,545 463 SH   SOLE   0 0 463
METLIFE INC COM Stock 59156R108   2,600 46 SH   DFND 1 0 0 46
METLIFE INC COM Stock 59156R108   15,173 268 SH   SOLE   0 0 268
ISHARES CORE MSCI EAFE ETF ETF 46432F842   3,204,719 47,477 SH   SOLE   0 0 47,477
ROYAL BANK OF CANADA Stock 780087102   345,923 3,622 SH   SOLE   0 0 3,622
WISDOMTREE U.S. TOTAL DIVIDEND FUND ETF 97717W109   2,489,672 40,098 SH   SOLE   0 0 40,098
KINDER MORGAN INC Stock 49456B101   1,808 105 SH   DFND 1 0 0 105
KINDER MORGAN INC Stock 49456B101   52,594 3,054 SH   SOLE   0 0 3,054
GE HEALTHCARE TECHNOLOGIES INC COMMON STOCK Stock 36266G107   227,648 2,802 SH   SOLE   0 0 2,802
ISHARES U.S. MEDICAL DEVICES ETF ETF 464288810   7,759,582 137,435 SH   SOLE   0 0 137,435
NVIDIA CORP Stock 67066G104   1,828,655 4,323 SH   SOLE   0 0 4,323
CUMMINS INC COM Stock 231021106   1,301,737 5,310 SH   SOLE   0 0 5,310
ABBVIE INC COM Stock 00287Y109   2,964 22 SH   DFND 1 0 0 22
ABBVIE INC COM Stock 00287Y109   986,103 7,319 SH   SOLE   0 0 7,319
S&P GLOBAL INC COM Stock 78409V104   2,933,917 7,319 SH   SOLE   0 0 7,319
ISHARES CORE MSCI EMERGING MKTS ETF 46434G103   256,604 5,206 SH   SOLE   0 0 5,206
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   1,004,395 13,818 SH   SOLE   0 0 13,818
CELANESE CORP DEL COM Stock 150870103   9,843 85 SH   SOLE   0 0 85
FIRST TRUST PREFERRED SECURITIES & INCOME ETF ETF 33739E108   201,820 12,637 SH   SOLE   0 0 12,637
INVESCO S&P 500 QUALITY ETF ETF 46137V241   2,210,217 43,810 SH   SOLE   0 0 43,810
ZIMMER HLDGS INC Stock 98956P102   275,912 1,895 SH   SOLE   0 0 1,895
ROCKWELL AUTOMATION INC COM Stock 773903109   332,086 1,008 SH   SOLE   0 0 1,008
STRYKER CORP Stock 863667101   242,587 795 SH   SOLE   0 0 795
QUALCOMM INC Stock 747525103   1,278,121 10,737 SH   SOLE   0 0 10,737
GENERAL DYNAMICS CORP COM Stock 369550108   2,367 11 SH   DFND 1 0 0 11
GENERAL DYNAMICS CORP COM Stock 369550108   47,917 223 SH   SOLE   0 0 223
MCDONALDS CORP COM Stock 580135101   3,581 12 SH   DFND 1 0 0 12
MCDONALDS CORP COM Stock 580135101   278,042 932 SH   SOLE   0 0 932
CAMBRIA SHAREHOLDER YIELD ETF ETF 132061201   4,018,409 65,692 SH   SOLE   0 0 65,692
CISCO SYS INC Stock 17275R102   4,036 78 SH   DFND 1 0 0 78
CISCO SYS INC Stock 17275R102   250,929 4,850 SH   SOLE   0 0 4,850
COHEN & STEERS INFRASTRUCTURE FUND CEF 19248A109   227,991 9,652 SH   SOLE   0 0 9,652
ISHARES TR RUSSELL MIDCAP INDEX FD ETF 464287499   763,476 10,454 SH   SOLE   0 0 10,454
ADVANCED MICRO DEVICES INC COM Stock 007903107   287,130 2,521 SH   SOLE   0 0 2,521
WISDOMTREE LARGE CAP DIVIDEND ETF 97717W307   416,732 6,552 SH   SOLE   0 0 6,552
AT&T INC COM Stock 00206R102   1,914 120 SH   DFND 1 0 0 120
AT&T INC COM Stock 00206R102   446,466 27,992 SH   SOLE   0 0 27,992
VANGUARD INTERMEDIATE-TERM BOND ETF 921937819   2,221,600 29,531 SH   SOLE   0 0 29,531
ENERGY SELECT SECTOR SPDR ETF 81369Y506   6,792,855 83,687 SH   SOLE   0 0 83,687
INDEPENDENCE RLTY TR INC COM REIT 45378A106   200,685 11,015 SH   SOLE   0 0 11,015
SCHWAB FUNDAMENTAL US LARGE CO. INDEX ETF ETF 808524771   3,853,849 66,942 SH   SOLE   0 0 66,942
GENERAL ELECTRIC CO COM NEW Stock 369604301   947,459 8,625 SH   SOLE   0 0 8,625
CONSUMER DISCRETIONARY SEL SECTOR SPDR FD ETF 81369Y407   1,271,617 7,488 SH   SOLE   0 0 7,488
INDUSTRIAL SELECT SECTOR SPDR ETF 81369Y704   2,466,756 22,985 SH   SOLE   0 0 22,985
SCIENCE APPLICATIONS INTERNA Stock 808625107   305,608 2,717 SH   SOLE   0 0 2,717
SCHWAB FUNDAMENTAL INTERNATIONAL LARGE CO. INDEX ETF ETF 808524755   10,635,885 329,386 SH   SOLE   0 0 329,386
RIVERFRONT STRATEGIC INCOME FUND ETF 00162Q783   2,822,423 124,281 SH   SOLE   0 0 124,281
SPDR BLOOMBERG 1-10 YEAR TIPS ETF ETF 78468R861   3,048,434 165,137 SH   SOLE   0 0 165,137
FIDELITY MSCI MATERIALS INDEX ETF ETF 316092881   1,718,150 36,823 SH   SOLE   0 0 36,823
GAMING & LEISURE PPTYS INC COM REIT 36467J108   969 20 SH   DFND 1 0 0 20
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF ETF 316092808   273,775 2,096 SH   SOLE   0 0 2,096
ISHARES S&P 500 VALUE ETF ETF 464287408   856,663 5,315 SH   SOLE   0 0 5,315
ISHARES S&P 500 GROWTH ETF ETF 464287309   2,104,266 29,856 SH   SOLE   0 0 29,856
ISHARES S&P 500 INDEX ETF 464287200   15,690,143 35,203 SH   SOLE   0 0 35,203
LAMAR ADVERTISING CO A CLASS A REIT 512816109   1,787 18 SH   DFND 1 0 0 18
UNION PAC CORP COM Stock 907818108   333,484 1,630 SH   SOLE   0 0 1,630
ISHARES S&P U.S. PREFERRED STOCK ETF ETF 464288687   271,250 8,770 SH   SOLE   0 0 8,770
VANGUARD MID-CAP VALUE ETF ETF 922908512   631,511 4,564 SH   SOLE   0 0 4,564
LOCKHEED MARTIN CORP Stock 539830109   1,842 4 SH   DFND 1 0 0 4
LOCKHEED MARTIN CORP Stock 539830109   1,839,473 3,996 SH   SOLE   0 0 3,996
JPMORGAN CHASE & CO COM Stock 46625H100   5,527 38 SH   DFND 1 0 0 38
JPMORGAN CHASE & CO COM Stock 46625H100   3,160,352 21,730 SH   SOLE   0 0 21,730
INTERNATIONAL PAPER CO COM Stock 460146103   32 1 SH   DFND 1 0 0 1
INTERNATIONAL PAPER CO COM Stock 460146103   1,024,477 32,206 SH   SOLE   0 0 32,206
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509   375,144 10,912 SH   SOLE   0 0 10,912
CHEVRON CORP NEW COM Stock 166764100   4,878 31 SH   DFND 1 0 0 31
CHEVRON CORP NEW COM Stock 166764100   2,449,764 15,569 SH   SOLE   0 0 15,569
ISHARES AMT-FREE MUNI BOND ETF ETF 464288414   924,198 8,659 SH   SOLE   0 0 8,659
CONOCOPHILLIPS COM Stock 20825C104   4,041 39 SH   DFND 1 0 0 39
CONOCOPHILLIPS COM Stock 20825C104   357,336 3,449 SH   SOLE   0 0 3,449
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   4,317,060 93,483 SH   SOLE   0 0 93,483
DANAHER CORP Stock 235851102   204,877 854 SH   SOLE   0 0 854
BANK AMERICA CORP COM Stock 060505104   1,664 58 SH   DFND 1 0 0 58
BANK AMERICA CORP COM Stock 060505104   272,926 9,513 SH   SOLE   0 0 9,513
REAVES UTIL INCOME FD COM SH BEN INT CEF 756158101   575,287 20,981 SH   SOLE   0 0 20,981
SPDR SER TR S&P DIVID ETF ETF 78464A763   834,877 6,811 SH   SOLE   0 0 6,811
WALMART INC COM Stock 931142103   4,401 28 SH   DFND 1 0 0 28
WALMART INC COM Stock 931142103   1,046,290 6,657 SH   SOLE   0 0 6,657
FIRST TRUST RISING DIVIDEND ACHIEVERS ETF ETF 33738R506   774,580 16,445 SH   SOLE   0 0 16,445
INTL BUSINESS MACHINES Stock 459200101   1,606 12 SH   DFND 1 0 0 12
INTL BUSINESS MACHINES Stock 459200101   621,809 4,647 SH   SOLE   0 0 4,647
ORACLE CORPORATION Stock 68389X105   264,365 2,220 SH   SOLE   0 0 2,220
RAYTHEON TECHNOLOGIES CORP COM Stock 75513E101   1,763 18 SH   DFND 1 0 0 18
RAYTHEON TECHNOLOGIES CORP COM Stock 75513E101   295,546 3,017 SH   SOLE   0 0 3,017
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   971,798 23,889 SH   SOLE   0 0 23,889
VANGUARD HIGH DIVIDEND YIELD ETF 921946406   11,214,723 105,729 SH   SOLE   0 0 105,729
PFIZER INC COM Stock 717081103   2,971 81 SH   DFND 1 0 0 81
PFIZER INC COM Stock 717081103   2,302,691 62,778 SH   SOLE   0 0 62,778
GILEAD SCIENCES INC Stock 375558103   1,850 24 SH   DFND 1 0 0 24
GILEAD SCIENCES INC Stock 375558103   938,785 12,181 SH   SOLE   0 0 12,181
CATERPILLAR INC COM Stock 149123101   3,445 14 SH   DFND 1 0 0 14
CATERPILLAR INC COM Stock 149123101   215,669 877 SH   SOLE   0 0 877
ALPHABET INC CAP STK CL C Stock 02079K107   2,126,169 17,576 SH   SOLE   0 0 17,576
AMGEN INC Stock 031162100   283,266 1,276 SH   SOLE   0 0 1,276
ISHARES CORE S&P US VALUE ETF ETF 464287663   7,100,720 90,732 SH   SOLE   0 0 90,732
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   4,830,778 29,741 SH   SOLE   0 0 29,741
FIDELITY NATIONAL FINANCIAL IN FNF GROUP COM Stock 31620R303   720 20 SH   DFND 1 0 0 20
ISHARES CORE DIVIDEND GROWTH ETF ETF 46434V621   2,016,230 39,127 SH   SOLE   0 0 39,127
BLACKROCK ULTRA SHORT-TERM BOND ETF ETF 46434V878   540,838 10,752 SH   SOLE   0 0 10,752
FIRST TRUST ENHANCED SHORT MATURITY ETF ETF 33739Q408   415,870 7,000 SH   SOLE   0 0 7,000
ISHARES S&P SMALLCAP 600 VALUE ETF ETF 464287879   1,904,281 20,026 SH   SOLE   0 0 20,026
CITIZENS FINL GROUP INC COM Stock 174610105   652 25 SH   DFND 1 0 0 25
CITIZENS FINL GROUP INC COM Stock 174610105   4,903 188 SH   SOLE   0 0 188
INVESCO BULLETSHARES 2023 CORPORATE BOND ETF ETF 46138J866   319,926 15,112 SH   SOLE   0 0 15,112
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF ETF 46138J841   4,504,016 218,960 SH   SOLE   0 0 218,960
NATIONAL RETAIL PPTYS REIT 637417106   1,010,496 23,615 SH   SOLE   0 0 23,615
SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409   738,160 12,099 SH   SOLE   0 0 12,099
BK OF AMERICA CORP 7.25CNV PFD L Convertible Preferred 060505682   762,855 651 SH   SOLE   0 0 651
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508   2,704,832 62,612 SH   SOLE   0 0 62,612
PHILIP MORRIS INTL INC Stock 718172109   3,026 31 SH   DFND 1 0 0 31
PHILIP MORRIS INTL INC Stock 718172109   379,224 3,885 SH   SOLE   0 0 3,885
VANGUARD MEGA CAP 300 ETF ETF 921910873   1,573,223 10,055 SH   SOLE   0 0 10,055
PNC FINL SVCS GROUP INC COM Stock 693475105   1,134 9 SH   DFND 1 0 0 9
PNC FINL SVCS GROUP INC COM Stock 693475105   2,015 16 SH   SOLE   0 0 16
BRISTOL-MYERS SQUIBB CO COM Stock 110122108   2,366 37 SH   DFND 1 0 0 37
BRISTOL-MYERS SQUIBB CO COM Stock 110122108   233,358 3,649 SH   SOLE   0 0 3,649
ISHARES RUSSELL 3000 ETF ETF 464287689   569,526 2,238 SH   SOLE   0 0 2,238
REALTY INCOME CORP REIT 756109104   389,892 6,521 SH   SOLE   0 0 6,521
ALTRIA GROUP INC COM Stock 02209S103   1,142,934 25,230 SH   SOLE   0 0 25,230