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
3M CO COM Stock 88579Y101   164,998 1,275 SH   SOLE   0 0 1,275
ABBOTT LABS COM Stock 002824100   608,657 5,602 SH   SOLE   0 0 5,602
ABBVIE INC COM Stock 00287Y109   1,148,087 7,496 SH   SOLE   0 0 7,496
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101   777,420 2,800 SH   SOLE   0 0 2,800
ADOBE INC COM Stock 00724F101   680,139 1,858 SH   SOLE   0 0 1,858
AFLAC INC COM Stock 001055102   201,291 3,638 SH   SOLE   0 0 3,638
AIR PRODS & CHEMS INC COM Stock 009158106   432,864 1,800 SH   SOLE   0 0 1,800
ALIBABA GROUP HLDG LTD SPONSORED ADS ADR 01609W102   547,938 4,820 SH   SOLE   0 0 4,820
ALPHABET INC CAP STK CL A Stock 02079K305   422,776 194 SH   SOLE   0 0 194
ALPHABET INC CAP STK CL C Stock 02079K107   395,928 181 SH   SOLE   0 0 181
ALTRIA GROUP INC COM Stock 02209S103   144,190 3,452 SH   SOLE   0 0 3,452
AMAZON COM INC COM Stock 023135106   314,382 2,960 SH   SOLE   0 0 2,960
AMERICAN AIRLS GROUP INC COM Stock 02376R102   12,680 1,000 SH   SOLE   0 0 1,000
AMERICAN ELEC PWR CO INC COM Stock 025537101   117,431 1,224 SH   SOLE   0 0 1,224
AMERICAN EXPRESS CO COM Stock 025816109   423,761 3,057 SH   SOLE   0 0 3,057
AMERIPRISE FINL INC COM Stock 03076C106   34,464 145 SH   SOLE   0 0 145
AMGEN INC COM Stock 031162100   484,654 1,992 SH   SOLE   0 0 1,992
APA CORPORATION COM Stock 03743Q108   353,467 10,128 SH   SOLE   0 0 10,128
APPLE INC COM Stock 037833100   6,675,217 48,824 SH   SOLE   0 0 48,824
AT&T INC COM Stock 00206R102   2,431 116 SH   SOLE   0 0 116
AUTOMATIC DATA PROCESSING INC COM Stock 053015103   816,636 3,888 SH   SOLE   0 0 3,888
BANK AMERICA CORP COM Stock 060505104   83,958 2,697 SH   SOLE   0 0 2,697
BECTON DICKINSON & CO COM Stock 075887109   585,509 2,375 SH   SOLE   0 0 2,375
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   407,346 1,492 SH   SOLE   0 0 1,492
BIOGEN INC COM Stock 09062X103   186,809 916 SH   SOLE   0 0 916
BLACK KNIGHT INC COM Stock 09215C105   7,978 122 SH   SOLE   0 0 122
BLACKROCK INC COM Stock 09247X101   230,826 379 SH   SOLE   0 0 379
BOEING CO COM Stock 097023105   136,720 1,000 SH   SOLE   0 0 1,000
BOOKING HOLDINGS INC COM Stock 09857L108   566,673 324 SH   SOLE   0 0 324
BRISTOL-MYERS SQUIBB CO COM Stock 110122108   15,400 200 SH   SOLE   0 0 200
CAPITAL ONE FINL CORP COM Stock 14040H105   46,365 445 SH   SOLE   0 0 445
CARRIER GLOBAL CORPORATION COM Stock 14448C104   59,517 1,669 SH   SOLE   0 0 1,669
CATERPILLAR INC COM Stock 149123101   254,018 1,421 SH   SOLE   0 0 1,421
CDK GLOBAL INC COM Stock 12508E101   27,166 496 SH   SOLE   0 0 496
CELANESE CORP DEL COM Stock 150870103   16,465 140 SH   SOLE   0 0 140
CENCORA INC COM Stock 03073E105   44,849 317 SH   SOLE   0 0 317
CENTENE CORP DEL COM Stock 15135B101   16,922 200 SH   SOLE   0 0 200
CENTERPOINT ENERGY INC COM Stock 15189T107   1,923 65 SH   SOLE   0 0 65
CHEVRON CORP NEW COM Stock 166764100   367,162 2,536 SH   SOLE   0 0 2,536
CHUBB LIMITED COM Stock H1467J104   40,495 206 SH   SOLE   0 0 206
CISCO SYS INC COM Stock 17275R102   300,228 7,041 SH   SOLE   0 0 7,041
CITIGROUP INC COM NEW Stock 172967424   34,952 760 SH   SOLE   0 0 760
COCA COLA CO COM Stock 191216100   191,561 3,045 SH   SOLE   0 0 3,045
COLGATE PALMOLIVE CO COM Stock 194162103   199,228 2,486 SH   SOLE   0 0 2,486
COMMUNICATION SERVICES SEL SECT SPDRETF ETF 81369Y852   16,715 308 SH   SOLE   0 0 308
CONOCOPHILLIPS COM Stock 20825C104   489,465 5,450 SH   SOLE   0 0 5,450
CONSUMER STAPLES SELECT SECTOR SPDR ETF ETF 81369Y308   3,131,890 43,390 SH   SOLE   0 0 43,390
CORNING INC COM Stock 219350105   100,832 3,200 SH   SOLE   0 0 3,200
COSTCO WHSL CORP NEW COM Stock 22160K105   81,478 170 SH   SOLE   0 0 170
CSX CORP COM Stock 126408103   52,308 1,800 SH   SOLE   0 0 1,800
CVS HEALTH CORP COM Stock 126650100   10,698 115 SH   SOLE   0 0 115
DANAHER CORPORATION COM Stock 235851102   325,773 1,285 SH   SOLE   0 0 1,285
DARDEN RESTAURANTS INC COM Stock 237194105   226,240 2,000 SH   SOLE   0 0 2,000
DEFIANCE 5G NEXT GEN CONNECTIVITY ETF ETF 26922A289   109,434 3,473 SH   SOLE   0 0 3,473
DEXCOM INC COM Stock 252131107   14,906 200 SH   SOLE   0 0 200
DISCOVER FINL SVCS COM Stock 254709108   194,456 2,056 SH   SOLE   0 0 2,056
DISNEY WALT CO COM Stock 254687106   141,600 1,500 SH   SOLE   0 0 1,500
DOMINION ENERGY INC COM Stock 25746U109   93,857 1,176 SH   SOLE   0 0 1,176
DOVER CORP COM Stock 260003108   151,650 1,250 SH   SOLE   0 0 1,250
DOW INC COM Stock 260557103   43,972 852 SH   SOLE   0 0 852
DUKE ENERGY CORP NEW COM NEW Stock 26441C204   39,453 368 SH   SOLE   0 0 368
EBAY INC. COM Stock 278642103   1,917 46 SH   SOLE   0 0 46
EDWARDS LIFESCIENCES CORP COM Stock 28176E108   576,816 6,066 SH   SOLE   0 0 6,066
ELEVANCE HEALTH INC COM Stock 036752103   31,850 66 SH   SOLE   0 0 66
ELI LILLY & CO COM Stock 532457108   199,077 614 SH   SOLE   0 0 614
EMBECTA CORP COMMON STOCK Stock 29082K105   12,027 475 SH   SOLE   0 0 475
ENERGY SELECT SECTOR SPDR ETF ETF 81369Y506   396,666 5,547 SH   SOLE   0 0 5,547
EVERSOURCE ENERGY COM Stock 30040W108   320,986 3,800 SH   SOLE   0 0 3,800
EXXON MOBIL CORP COM Stock 30231G102   483,181 5,642 SH   SOLE   0 0 5,642
FIDELITY NATIONAL FINANCIAL IN FNF GROUP COM Stock 31620R303   7,392 200 SH   SOLE   0 0 200
FIDELITY NATL INFORMATION SVCS COM Stock 31620M106   43,910 479 SH   SOLE   0 0 479
FINANCIAL SELECT SECTOR SPDR ETF ETF 81369Y605   2,975,390 94,607 SH   SOLE   0 0 94,607
FIRST TRUST CNSMR DISCRET ALPHADEX ETF ETF 33734X101   13,419 300 SH   SOLE   0 0 300
FORD MTR CO DEL COM Stock 345370860   27,825 2,500 SH   SOLE   0 0 2,500
GENERAL ELECTRIC CO COM NEW Stock 369604301   3,056 48 SH   SOLE   0 0 48
GENERAL MLS INC COM Stock 370334104   6,489 86 SH   SOLE   0 0 86
GENERAL MTRS CO COM Stock 37045V100   31,760 1,000 SH   SOLE   0 0 1,000
GOLDMAN SACHS ACSS INVMT GRD CORP BD ETF ETF 381430479   15,073,086 327,320 SH   SOLE   0 0 327,320
GOLDMAN SACHS ACTIVEBETA US LGCP EQ ETF ETF 381430503   6,350,865 84,746 SH   SOLE   0 0 84,746
GOLDMAN SACHS GROUP INC COM Stock 38141G104   18,415 62 SH   SOLE   0 0 62
HARTFORD FINL SVCS GROUP INC COM Stock 416515104   2,748 42 SH   SOLE   0 0 42
HEALTH CARE SELECT SECTOR SPDR ETF ETF 81369Y209   1,220,204 9,515 SH   SOLE   0 0 9,515
HOME DEPOT INC COM Stock 437076102   669,219 2,440 SH   SOLE   0 0 2,440
HONEYWELL INTL INC COM Stock 438516106   541,418 3,115 SH   SOLE   0 0 3,115
ILLINOIS TOOL WKS INC COM Stock 452308109   838,350 4,600 SH   SOLE   0 0 4,600
ILLUMINA INC COM Stock 452327109   24,520 133 SH   SOLE   0 0 133
INDUSTRIAL SELECT SECTOR SPDR ETF ETF 81369Y704   17,119 196 SH   SOLE   0 0 196
INTEL CORP COM Stock 458140100   653,665 17,473 SH   SOLE   0 0 17,473
INVESCO CURRENCYSHARES EURO CURRENCY ETF 46138K103   2,018,635 20,830 SH   SOLE   0 0 20,830
INVESCO INTERNATIONAL CORPORATE BOND ETF ETF 46138E636   5,545,044 251,704 SH   SOLE   0 0 251,704
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357   184,164 1,372 SH   SOLE   0 0 1,372
IPATH BLOOMBERG CMDTY TR ETN ETF 06738C778   5,268,233 151,386 SH   SOLE   0 0 151,386
ISHARES 20 YEAR TREASURY BOND ETF ETF 464287432   4,133,252 35,982 SH   SOLE   0 0 35,982
ISHARES 7-10 YEAR TREASURY BOND ETF ETF 464287440   6,130,021 59,922 SH   SOLE   0 0 59,922
ISHARES CORE MSCI EAFE ETF ETF 46432F842   4,369,024 74,240 SH   SOLE   0 0 74,240
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103   2,176,743 44,369 SH   SOLE   0 0 44,369
ISHARES CORE MSCI EUROPE ETF ETF 46434V738   2,053,773 45,680 SH   SOLE   0 0 45,680
ISHARES CORE S&P 500 ETF ETF 464287200   6,634,746 17,499 SH   SOLE   0 0 17,499
ISHARES CORE S&P MID-CAP ETF ETF 464287507   8,020,758 35,454 SH   SOLE   0 0 35,454
ISHARES CORE S&P SMALL-CAP ETF ETF 464287804   76,700 830 SH   SOLE   0 0 830
ISHARES CORE US AGGREGATE BOND ETF ETF 464287226   996,179 9,797 SH   SOLE   0 0 9,797
ISHARES EXPANDED TECH SECTOR ETF ETF 464287549   2,620,071 8,900 SH   SOLE   0 0 8,900
ISHARES FRONTIER AND SELECT EM ETF ETF 464286145   1,213,578 45,249 SH   SOLE   0 0 45,249
ISHARES MSCI ALL COUNTRY ASIA EX JAPAN ETF ETF 464288182   2,696,101 38,961 SH   SOLE   0 0 38,961
ISHARES MSCI AUSTRALIA ETF ETF 464286103   1,232,797 58,096 SH   SOLE   0 0 58,096
ISHARES MSCI BRAZIL ETF ETF 464286400   1,221,786 44,607 SH   SOLE   0 0 44,607
ISHARES MSCI CHINA ETF ETF 46429B671   3,592,657 64,373 SH   SOLE   0 0 64,373
ISHARES MSCI EAFE ETF ETF 464287465   545,225 8,725 SH   SOLE   0 0 8,725
ISHARES MSCI EUROZONE ETF ETF 464286608   5,467,440 150,411 SH   SOLE   0 0 150,411
ISHARES MSCI INDIA ETF ETF 46429B598   1,364,092 34,648 SH   SOLE   0 0 34,648
ISHARES MSCI INDONESIA ETF ETF 46429B309   1,398,034 62,468 SH   SOLE   0 0 62,468
ISHARES MSCI JAPAN ETF ETF 46434G822   22,717 430 SH   SOLE   0 0 430
ISHARES MSCI SOUTH KOREA ETF ETF 464286772   1,018,150 17,497 SH   SOLE   0 0 17,497
ISHARES MSCI SWITZERLAND ETF ETF 464286749   11,711 282 SH   SOLE   0 0 282
ISHARES MSCI UNITED KINGDOM ETF ETF 46435G334   1,360,783 45,420 SH   SOLE   0 0 45,420
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697   229,938 3,275 SH   SOLE   0 0 3,275
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339   270,051 2,417 SH   SOLE   0 0 2,417
ISHARES NATIONAL MUNI BOND ETF ETF 464288414   3,560,295 33,474 SH   SOLE   0 0 33,474
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   500,167 2,287 SH   SOLE   0 0 2,287
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   394,463 2,721 SH   SOLE   0 0 2,721
ISHARES RUSSELL 2000 ETF ETF 464287655   613,253 3,621 SH   SOLE   0 0 3,621
ISHARES RUSSELL 2000 GROWTH ETF ETF 464287648   654,003 3,170 SH   SOLE   0 0 3,170
ISHARES RUSSELL MID-CAP ETF ETF 464287499   274,417 4,244 SH   SOLE   0 0 4,244
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481   2,942,152 37,139 SH   SOLE   0 0 37,139
ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473   346,354 3,410 SH   SOLE   0 0 3,410
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887   49,500 470 SH   SOLE   0 0 470
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879   41,399 465 SH   SOLE   0 0 465
JOHNSON & JOHNSON COM Stock 478160104   1,612,501 9,084 SH   SOLE   0 0 9,084
JPMORGAN BETABUILDERS CANADA ETF ETF 46641Q225   1,505,213 25,625 SH   SOLE   0 0 25,625
JPMORGAN BETABUILDERS JAPAN ETF ETF 46641Q217   3,171,013 71,954 SH   SOLE   0 0 71,954
JPMORGAN CHASE & CO COM Stock 46625H100   51,688 459 SH   SOLE   0 0 459
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837   2,613,396 52,174 SH   SOLE   0 0 52,174
JPMORGAN ULTRA-SHORT MUNICIPAL INC ETF ETF 46641Q654   1,009,005 19,921 SH   SOLE   0 0 19,921
KELLANOVA COM Stock 487836108   1,569 22 SH   SOLE   0 0 22
KIMBERLY-CLARK CORP COM Stock 494368103   168,127 1,244 SH   SOLE   0 0 1,244
KRANESHARES CSI CHINA INTERNET ETF ETF 500767306   1,189,745 36,317 SH   SOLE   0 0 36,317
LOCKHEED MARTIN CORP COM Stock 539830109   959,241 2,231 SH   SOLE   0 0 2,231
LOWES COS INC COM Stock 548661107   1,555,436 8,905 SH   SOLE   0 0 8,905
MARKEL GROUP INC COM Stock 570535104   356,937 276 SH   SOLE   0 0 276
MARSH & MCLENNAN COS INC COM Stock 571748102   292,025 1,881 SH   SOLE   0 0 1,881
MASTERCARD INCORPORATED CL A Stock 57636Q104   15,774 50 SH   SOLE   0 0 50
MCDONALDS CORP COM Stock 580135101   1,068,744 4,329 SH   SOLE   0 0 4,329
MCKESSON CORP COM Stock 58155Q103   37,514 115 SH   SOLE   0 0 115
MEDTRONIC PLC SHS Stock G5960L103   100,969 1,125 SH   SOLE   0 0 1,125
MERCADOLIBRE INC COM Stock 58733R102   916,456 1,439 SH   SOLE   0 0 1,439
MERCK & CO INC COM Stock 58933Y105   464,785 5,098 SH   SOLE   0 0 5,098
META PLATFORMS INC CL A Stock 30303M102   489,233 3,034 SH   SOLE   0 0 3,034
MICRON TECHNOLOGY INC COM Stock 595112103   55,280 1,000 SH   SOLE   0 0 1,000
MICROSOFT CORP COM Stock 594918104   2,182,798 8,499 SH   SOLE   0 0 8,499
MONSTER BEVERAGE CORP NEW COM Stock 61174X109   27,625 298 SH   SOLE   0 0 298
MORGAN STANLEY COM NEW Stock 617446448   1,978 26 SH   SOLE   0 0 26
NCR VOYIX CORPORATION COM Stock 62886E108   778 25 SH   SOLE   0 0 25
NEXTERA ENERGY INC COM Stock 65339F101   346,943 4,479 SH   SOLE   0 0 4,479
NIKE INC CL B Stock 654106103   27,594 270 SH   SOLE   0 0 270
NORFOLK SOUTHN CORP COM Stock 655844108   87,052 383 SH   SOLE   0 0 383
NORTHROP GRUMMAN CORP COM Stock 666807102   229,714 480 SH   SOLE   0 0 480
NVIDIA CORPORATION COM Stock 67066G104   151,590 1,000 SH   SOLE   0 0 1,000
OCCIDENTAL PETE CORP COM Stock 674599105   5,888 100 SH   SOLE   0 0 100
OCCIDENTAL PETE CORP WT EXP 080327 Stock 674599162   444 12 SH   SOLE   0 0 12
ORACLE CORP COM Stock 68389X105   167,688 2,400 SH   SOLE   0 0 2,400
OREILLY AUTOMOTIVE INC COM Stock 67103H107   8,213 13 SH   SOLE   0 0 13
ORGANON & CO COMMON STOCK Stock 68622V106   15,458 458 SH   SOLE   0 0 458
OTIS WORLDWIDE CORP COM Stock 68902V107   58,939 834 SH   SOLE   0 0 834
PEPSICO INC COM Stock 713448108   1,240,950 7,446 SH   SOLE   0 0 7,446
PFIZER INC COM Stock 717081103   851,935 16,249 SH   SOLE   0 0 16,249
PHILIP MORRIS INTL INC COM Stock 718172109   110,885 1,123 SH   SOLE   0 0 1,123
PHILLIPS 66 COM Stock 718546104   204,975 2,500 SH   SOLE   0 0 2,500
PLUG POWER INC COM NEW Stock 72919P202   16,570 1,000 SH   SOLE   0 0 1,000
PNC FINL SVCS GROUP INC COM Stock 693475105   5,995 38 SH   SOLE   0 0 38
PPG INDS INC COM Stock 693506107   285,850 2,500 SH   SOLE   0 0 2,500
PRICE T ROWE GROUP INC COM Stock 74144T108   1,931 17 SH   SOLE   0 0 17
PROCTER AND GAMBLE CO COM Stock 742718109   1,202,660 8,364 SH   SOLE   0 0 8,364
PROGRESSIVE CORP COM Stock 743315103   544,144 4,680 SH   SOLE   0 0 4,680
QUALCOMM INC COM Stock 747525103   17,884 140 SH   SOLE   0 0 140
RELMADA THERAPEUTICS INC COM Stock 75955J402   35,018 1,844 SH   SOLE   0 0 1,844
RIVIAN AUTOMOTIVE INC COM CL A Stock 76954A103   25,740 1,000 SH   SOLE   0 0 1,000
RTX CORPORATION COM Stock 75513E101   480,550 5,000 SH   SOLE   0 0 5,000
S&P GLOBAL INC COM Stock 78409V104   7,415 22 SH   SOLE   0 0 22
SCHLUMBERGER LTD COM STK Stock 806857108   11,264 315 SH   SOLE   0 0 315
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   43,095 1,698 SH   SOLE   0 0 1,698
SCHWAB FUNDAMENTAL EMERG MKTS LG CO ETF ETF 808524730   10,113 390 SH   SOLE   0 0 390
SCHWAB FUNDAMENTAL INTL LG CO ETF ETF 808524755   11,777 416 SH   SOLE   0 0 416
SCHWAB FUNDAMENTAL US LARGE COMPANY ETF ETF 808524771   12,216 240 SH   SOLE   0 0 240
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   944 30 SH   SOLE   0 0 30
SCHWAB US LARGE-CAP ETF ETF 808524201   19,918 446 SH   SOLE   0 0 446
SCHWAB US SMALL-CAP ETF ETF 808524607   3,041 78 SH   SOLE   0 0 78
SERVICENOW INC COM Stock 81762P102   2,101,323 4,419 SH   SOLE   0 0 4,419
SHERWIN WILLIAMS CO COM Stock 824348106   1,237,998 5,529 SH   SOLE   0 0 5,529
SOUTHERN CO COM Stock 842587107   106,965 1,500 SH   SOLE   0 0 1,500
SPDR PORTFOLIO MSCI GLOBAL STK MKT ETF ETF 78463X475   65,182 1,417 SH   SOLE   0 0 1,417
SPDR PORTFOLIO SHORT TERM CORP BD ETF ETF 78464A474   7,866,499 264,598 SH   SOLE   0 0 264,598
SPDR S&P 500 ETF TRUST ETF 78462F103   376,873 999 SH   SOLE   0 0 999
SPDR S&P OIL & GAS EXPLOR & PRODTN ETF ETF 78468R556   3,313,180 27,730 SH   SOLE   0 0 27,730
SPLUNK INC COM Stock 848637104   222,300 2,513 SH   SOLE   0 0 2,513
STARBUCKS CORP COM Stock 855244109   19,938 261 SH   SOLE   0 0 261
STATE STR CORP COM Stock 857477103   1,850 30 SH   SOLE   0 0 30
STOCK YDS BANCORP INC COM Stock 861025104   38,469 643 SH   SOLE   0 0 643
SYSCO CORP COM Stock 871829107   296,485 3,500 SH   SOLE   0 0 3,500
TARGET CORP COM Stock 87612E106   7,062 50 SH   SOLE   0 0 50
TECHNOLOGY SELECT SECTOR SPDR ETF ETF 81369Y803   1,106,071 8,701 SH   SOLE   0 0 8,701
TEXAS INSTRS INC COM Stock 882508104   388,735 2,530 SH   SOLE   0 0 2,530
THERMO FISHER SCIENTIFIC INC COM Stock 883556102   497,644 916 SH   SOLE   0 0 916
TOWNEBANK PORTSMOUTH VA COM Stock 89214P109   13,575 500 SH   SOLE   0 0 500
TRUIST FINL CORP COM Stock 89832Q109   10,103 213 SH   SOLE   0 0 213
UDR INC COM REIT 902653104   20,948 455 SH   SOLE   0 0 455
UNION PAC CORP COM Stock 907818108   314,588 1,475 SH   SOLE   0 0 1,475
UNITED AIRLS HLDGS INC COM Stock 910047109   35,420 1,000 SH   SOLE   0 0 1,000
UNITEDHEALTH GROUP INC COM Stock 91324P102   296,365 577 SH   SOLE   0 0 577
US BANCORP DEL COM NEW Stock 902973304   11,597 252 SH   SOLE   0 0 252
UTILITIES SELECT SECTOR SPDR ETF ETF 81369Y886   25,527 364 SH   SOLE   0 0 364
VANECK EM HIGH YIELD BOND ETF ETF 92189F353   5,327,421 299,630 SH   SOLE   0 0 299,630
VANECK JPMORGAN EMLCL CCY BD ETF ETF 92189H300   3,365,976 137,499 SH   SOLE   0 0 137,499
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   1,466,981 10,225 SH   SOLE   0 0 10,225
VANGUARD ESG US STOCK ETF ETF 921910733   68,326 1,029 SH   SOLE   0 0 1,029
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   130,519 3,199 SH   SOLE   0 0 3,199
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   15,202 365 SH   SOLE   0 0 365
VANGUARD LARGE-CAP ETF ETF 922908637   264,557 1,535 SH   SOLE   0 0 1,535
VANGUARD MID-CAP ETF ETF 922908629   160,531 815 SH   SOLE   0 0 815
VANGUARD MID-CAP VALUE ETF ETF 922908512   57,377 443 SH   SOLE   0 0 443
VANGUARD REAL ESTATE ETF ETF 922908553   53,117 583 SH   SOLE   0 0 583
VANGUARD RUSSELL 2000 ETF ETF 92206C664   147,679 2,160 SH   SOLE   0 0 2,160
VANGUARD S&P 500 ETF ETF 922908363   219,922 634 SH   SOLE   0 0 634
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746   77,326 1,549 SH   SOLE   0 0 1,549
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   4,017,229 21,298 SH   SOLE   0 0 21,298
VANGUARD TOTAL WORLD STOCK ETF ETF 922042742   16,727 196 SH   SOLE   0 0 196
VERIZON COMMUNICATIONS INC COM Stock 92343V104   268,975 5,300 SH   SOLE   0 0 5,300
VERTEX PHARMACEUTICALS INC COM Stock 92532F100   1,081,792 3,839 SH   SOLE   0 0 3,839
VIATRIS INC COM Stock 92556V106   1,298 124 SH   SOLE   0 0 124
VISA INC COM CL A Stock 92826C839   801,736 4,072 SH   SOLE   0 0 4,072
WABTEC COM Stock 929740108   164 2 SH   SOLE   0 0 2
WALMART INC COM Stock 931142103   166,808 1,372 SH   SOLE   0 0 1,372
WARNER BROS DISCOVERY INC COM SER A Stock 934423104   376 28 SH   SOLE   0 0 28
WELLS FARGO CO NEW COM Stock 949746101   100,745 2,572 SH   SOLE   0 0 2,572
XTRACKERS HARVEST CSI 300 CHINA A ETF ETF 233051879   2,414,008 70,647 SH   SOLE   0 0 70,647
ZOETIS INC CL A Stock 98978V103   74,256 432 SH   SOLE   0 0 432