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 88579Y101   723,590 7,729 SH   SOLE 0 0 0 7,729
ABBOTT LABS COM 002824100   277,669 2,867 SH   SOLE 0 0 0 2,867
ABBVIE INC COM 00287Y109   446,985 2,999 SH   SOLE 0 0 0 2,999
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   363,618 1,184 SH   SOLE 0 0 0 1,184
ADOBE INC COM 00724F101   1,389,987 2,726 SH   SOLE 0 0 0 2,726
AFLAC INC COM 001055102   754,990 9,837 SH   SOLE 0 0 0 9,837
AIR PRODS & CHEMS INC COM 009158106   256,760 906 SH   SOLE 0 0 0 906
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   302,376 3,486 SH   SOLE 0 0 0 3,486
ALLSTATE CORP COM 020002101   446,308 4,006 SH   SOLE 0 0 0 4,006
ALPHABET INC CAP STK CL A 02079K305   828,082 6,328 SH   SOLE 0 0 0 6,328
ALPHABET INC CAP STK CL C 02079K107   1,476,456 11,198 SH   SOLE 0 0 0 11,198
ALTRIA GROUP INC COM 02209S103   992,338 23,599 SH   SOLE 0 0 0 23,599
AMAZON COM INC COM 023135106   538,547 4,237 SH   SOLE 0 0 0 4,237
AMERICAN INTL GROUP INC COM NEW 026874784   597,274 9,856 SH   SOLE 0 0 0 9,856
AMERIPRISE FINL INC COM 03076C106   236,710 718 SH   SOLE 0 0 0 718
AMGEN INC COM 031162100   910,559 3,388 SH   SOLE 0 0 0 3,388
AON PLC SHS CL A G0403H108   460,068 1,419 SH   SOLE 0 0 0 1,419
APPLE INC COM 037833100   9,239,096 53,964 SH   SOLE 0 0 0 53,964
ARCHER DANIELS MIDLAND CO COM 039483102   233,953 3,102 SH   SOLE 0 0 0 3,102
ARES CAPITAL CORP COM 04010L103   971,942 49,920 SH   SOLE 0 0 0 49,920
ASTRAZENECA PLC SPONSORED ADR 046353108   348,419 5,145 SH   SOLE 0 0 0 5,145
AUTOMATIC DATA PROCESSING IN COM 053015103   786,456 3,269 SH   SOLE 0 0 0 3,269
AUTOZONE INC COM 053332102   815,337 321 SH   SOLE 0 0 0 321
BAIDU INC SPON ADR REP A 056752108   203,137 1,512 SH   SOLE 0 0 0 1,512
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   311,382 38,681 SH   SOLE 0 0 0 38,681
BANCO SANTANDER S.A. ADR 05964H105   106,355 28,286 SH   SOLE 0 0 0 28,286
BANK AMERICA CORP COM 060505104   387,427 14,150 SH   SOLE 0 0 0 14,150
BANK NEW YORK MELLON CORP COM 064058100   223,785 5,247 SH   SOLE 0 0 0 5,247
BARCLAYS PLC ADR 06738E204   176,786 22,694 SH   SOLE 0 0 0 22,694
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,265,634 3,613 SH   SOLE 0 0 0 3,613
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   220,398 1,400 SH Call SOLE 0 0 0 1,400
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   222,857 1,500 SH Call SOLE 0 0 0 1,500
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   215,550 1,800 SH Call SOLE 0 0 0 1,800
BEST BUY INC COM 086516101   295,039 4,247 SH   SOLE 0 0 0 4,247
BIOGEN INC COM 09062X103   233,108 907 SH   SOLE 0 0 0 907
BLACKROCK INC COM 09247X101   225,625 349 SH   SOLE 0 0 0 349
BLACKSTONE INC COM 09260D107   837,248 7,815 SH   SOLE 0 0 0 7,815
BOEING CO COM 097023105   262,793 1,371 SH   SOLE 0 0 0 1,371
BOOKING HOLDINGS INC COM 09857L108   252,884 82 SH   SOLE 0 0 0 82
BP PLC SPONSORED ADR 055622104   219,465 5,668 SH   SOLE 0 0 0 5,668
BROADCOM INC COM 11135F101   345,521 416 SH   SOLE 0 0 0 416
BUILDERS FIRSTSOURCE INC COM 12008R107   616,848 4,955 SH   SOLE 0 0 0 4,955
CADENCE DESIGN SYSTEM INC COM 127387108   492,030 2,100 SH   SOLE 0 0 0 2,100
CANADIAN NATL RY CO COM 136375102   743,685 6,865 SH   SOLE 0 0 0 6,865
CARDINAL HEALTH INC COM 14149Y108   368,551 4,245 SH   SOLE 0 0 0 4,245
CDW CORP COM 12514G108   410,985 2,037 SH   SOLE 0 0 0 2,037
CELESTICA INC SUB VTG SHS 15101Q108   272,540 11,115 SH   SOLE 0 0 0 11,115
CEMEX SAB DE CV SPON ADR NEW 151290889   83,876 12,904 SH   SOLE 0 0 0 12,904
CGI INC CL A SUB VTG 12532H104   574,000 5,828 SH   SOLE 0 0 0 5,828
CHARTER COMMUNICATIONS INC N CL A 16119P108   213,753 486 SH   SOLE 0 0 0 486
CHECK POINT SOFTWARE TECH LT ORD M22465104   219,112 1,644 SH   SOLE 0 0 0 1,644
CHEVRON CORP NEW COM 166764100   417,249 2,474 SH   SOLE 0 0 0 2,474
CHUNGHWA TELECOM CO LTD SPON ADR NEW11 17133Q502   570,440 15,872 SH   SOLE 0 0 0 15,872
CHURCH & DWIGHT CO INC COM 171340102   338,664 3,696 SH   SOLE 0 0 0 3,696
CISCO SYS INC COM 17275R102   1,863,537 34,664 SH   SOLE 0 0 0 34,664
COCA COLA CO COM 191216100   203,850 3,641 SH   SOLE 0 0 0 3,641
COCA-COLA FEMSA SAB DE CV SPONSORD ADR REP 191241108   208,494 2,658 SH   SOLE 0 0 0 2,658
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102   259,309 3,828 SH   SOLE 0 0 0 3,828
COLGATE PALMOLIVE CO COM 194162103   423,105 5,950 SH   SOLE 0 0 0 5,950
COMCAST CORP NEW CL A 20030N101   387,837 8,747 SH   SOLE 0 0 0 8,747
CONOCOPHILLIPS COM 20825C104   397,377 3,317 SH   SOLE 0 0 0 3,317
COSTCO WHSL CORP NEW COM 22160K105   1,367,768 2,421 SH   SOLE 0 0 0 2,421
COTERRA ENERGY INC COM 127097103   235,470 8,705 SH   SOLE 0 0 0 8,705
CRH PLC ORD G25508105   512,437 9,363 SH   SOLE 0 0 0 9,363
DELL TECHNOLOGIES INC CL C 24703L202   318,111 4,617 SH   SOLE 0 0 0 4,617
DISNEY WALT CO COM 254687106   400,132 4,937 SH   SOLE 0 0 0 4,937
DOW INC COM 260557103   215,366 4,177 SH   SOLE 0 0 0 4,177
EA SERIES TRUST FREEDOM 100 EM 02072L607   12,588,081 444,651 SH   SOLE 0 0 0 444,651
EA SERIES TRUST INTL QUAN MOMNTM 02072L300   2,407,540 98,182 SH   SOLE 0 0 0 98,182
EA SERIES TRUST US QUAN MOMENTUM 02072L409   4,177,989 96,895 SH   SOLE 0 0 0 96,895
EA SERIES TRUST US QUAN VALUE 02072L102   5,452,834 146,937 SH   SOLE 0 0 0 146,937
EA SERIES TRUST INTL QUAN VALUE 02072L201   2,837,235 120,276 SH   SOLE 0 0 0 120,276
ELI LILLY & CO COM 532457108   2,615,286 4,869 SH   SOLE 0 0 0 4,869
EMERSON ELEC CO COM 291011104   220,952 2,288 SH   SOLE 0 0 0 2,288
EQUITABLE HLDGS INC COM 29452E101   255,964 9,016 SH   SOLE 0 0 0 9,016
EXPEDITORS INTL WASH INC COM 302130109   279,239 2,436 SH   SOLE 0 0 0 2,436
EXXON MOBIL CORP COM 30231G102   3,036,745 25,827 SH   SOLE 0 0 0 25,827
FAIR ISAAC CORP COM 303250104   766,043 882 SH   SOLE 0 0 0 882
FASTENAL CO COM 311900104   250,524 4,585 SH   SOLE 0 0 0 4,585
FERROGLOBE PLC SHS G33856108   159,598 30,692 SH   SOLE 0 0 0 30,692
FINVOLUTION GROUP SPONSORED ADS 31810T101   76,104 15,282 SH   SOLE 0 0 0 15,282
FOX CORP CL A COM 35137L105   281,736 9,030 SH   SOLE 0 0 0 9,030
FREEPORT-MCMORAN INC CL B 35671D857   254,131 6,815 SH   SOLE 0 0 0 6,815
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   650,872 120,087 SH   SOLE 0 0 0 120,087
FS KKR CAP CORP COM 302635206   1,107,956 56,270 SH   SOLE 0 0 0 56,270
GARRETT MOTION INC COM 366505105   87,468 11,100 SH   SOLE 0 0 0 11,100
GENERAL DYNAMICS CORP COM 369550108   545,672 2,469 SH   SOLE 0 0 0 2,469
GENERAL ELECTRIC CO COM NEW 369604301   374,709 3,389 SH   SOLE 0 0 0 3,389
GENERAL MLS INC COM 370334104   252,952 3,953 SH   SOLE 0 0 0 3,953
GERDAU SA SPON ADR REP PFD 373737105   351,935 73,781 SH   SOLE 0 0 0 73,781
GLOBAL PMTS INC COM 37940X102   218,779 1,896 SH   SOLE 0 0 0 1,896
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   4,003,708 47,533 SH   SOLE 0 0 0 47,533
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   2,046,559 68,150 SH   SOLE 0 0 0 68,150
GOLDMAN SACHS GROUP INC COM 38141G104   209,350 647 SH   SOLE 0 0 0 647
GRAINGER W W INC COM 384802104   481,521 696 SH   SOLE 0 0 0 696
HARTFORD FINL SVCS GROUP INC COM 416515104   343,914 4,850 SH   SOLE 0 0 0 4,850
HELLO GROUP INC ADS 423403104   84,004 12,035 SH   SOLE 0 0 0 12,035
HEWLETT PACKARD ENTERPRISE C COM 42824C109   278,823 16,052 SH   SOLE 0 0 0 16,052
HOME DEPOT INC COM 437076102   1,686,616 5,582 SH   SOLE 0 0 0 5,582
HONDA MOTOR LTD AMERN SHS 438128308   463,088 13,766 SH   SOLE 0 0 0 13,766
HONEYWELL INTL INC COM 438516106   1,060,777 5,742 SH   SOLE 0 0 0 5,742
HOST HOTELS & RESORTS INC COM 44107P104   256,381 15,954 SH   SOLE 0 0 0 15,954
ILLINOIS TOOL WKS INC COM 452308109   571,860 2,483 SH   SOLE 0 0 0 2,483
IMPERIAL OIL LTD COM NEW 453038408   216,561 3,514 SH   SOLE 0 0 0 3,514
INFOSYS LTD SPONSORED ADR 456788108   417,381 24,394 SH   SOLE 0 0 0 24,394
INNOVATOR ETFS TR US EQTY BUFR JUL 45782C789   423,912 12,298 SH   SOLE 0 0 0 12,298
INNOVATOR ETFS TR US EQTY PWR BUF 45782C508   893,880 25,689 SH   SOLE 0 0 0 25,689
INNOVATOR ETFS TR US EQTY BUFR JAN 45782C409   885,828 24,110 SH   SOLE 0 0 0 24,110
INNOVATOR ETFS TR LADDERED ALC BFR 45783Y756   2,802,156 109,932 SH   SOLE 0 0 0 109,932
INNOVATOR ETFS TR US EQTY BUFR MAY 45782C326   335,710 10,803 SH   SOLE 0 0 0 10,803
INNOVATOR ETFS TR US EQTY BUF SEP 45782C664   283,922 8,435 SH   SOLE 0 0 0 8,435
INNOVATOR ETFS TR US EQTY BUF DEC 45782C557   269,385 7,704 SH   SOLE 0 0 0 7,704
INTEL CORP COM 458140100   435,199 12,242 SH   SOLE 0 0 0 12,242
INTERNATIONAL BUSINESS MACHS COM 459200101   305,682 2,179 SH   SOLE 0 0 0 2,179
INVESCO CURRENCYSHARES EURO EURO SHS 46138K103   1,085,349 11,109 SH   SOLE 0 0 0 11,109
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743   1,157,680 26,595 SH   SOLE 0 0 0 26,595
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727   2,147,150 120,491 SH   SOLE 0 0 0 120,491
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   394,100 14,000 SH   SOLE 0 0 0 14,000
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597   490,000 14,853 SH   SOLE 0 0 0 14,853
ISHARES INC CORE MSCI EMKT 46434G103   363,842 7,645 SH   SOLE 0 0 0 7,645
ISHARES TR CORE MSCI EAFE 46432F842   273,383 4,248 SH   SOLE 0 0 0 4,248
ISHARES TR MSCI USA VALUE 46432F388   34,852,341 384,175 SH   SOLE 0 0 0 384,175
ISHARES TR MSCI USA MIN VOL 46429B697   772,473 10,672 SH   SOLE 0 0 0 10,672
ISHARES TR BLACKROCK ULTRA 46434V878   4,309,656 85,543 SH   SOLE 0 0 0 85,543
ISHARES TR MSCI USA MMENTM 46432F396   24,165,393 172,981 SH   SOLE 0 0 0 172,981
ISHARES TR MSCI USA QLT FCT 46432F339   27,450,151 208,287 SH   SOLE 0 0 0 208,287
ISHARES TR IBONDS DEC23 ETF 46434VAX8   336,274 13,260 SH   SOLE 0 0 0 13,260
ISHARES TR IBONDS DEC25 ETF 46434VBD1   254,788 10,455 SH   SOLE 0 0 0 10,455
ISHARES TR IBONDS DEC24 ETF 46434VBG4   262,311 10,607 SH   SOLE 0 0 0 10,607
ISHARES TR SHRT NAT MUN ETF 464288158   6,273,849 60,994 SH   SOLE 0 0 0 60,994
ISHARES TR IBONDS 23 TRM TS 46436E882   200,819 8,091 SH   SOLE 0 0 0 8,091
ISHARES TR IBONDS DEC 26 46435U259   2,698,410 108,763 SH   SOLE 0 0 0 108,763
ISHARES TR IBONDS DEC 27 46435U283   2,681,001 109,518 SH   SOLE 0 0 0 109,518
ISHARES TR IBONDS DEC 28 46435U325   2,614,775 107,119 SH   SOLE 0 0 0 107,119
ISHARES TR IBONDS DEC 46435U697   2,715,125 105,688 SH   SOLE 0 0 0 105,688
ISHARES TR IBONDS DEC 25 46435U432   2,703,114 103,647 SH   SOLE 0 0 0 103,647
ISHARES TR IBONDS DEC2023 46435G318   2,723,135 106,685 SH   SOLE 0 0 0 106,685
ISHARES TR MSCI INTL MOMENT 46434V449   10,032,594 318,697 SH   SOLE 0 0 0 318,697
ISHARES TR MSCI INTL QUALTY 46434V456   11,570,038 344,244 SH   SOLE 0 0 0 344,244
ISHARES TR MSCI INTL VLU FT 46435G409   16,360,910 645,146 SH   SOLE 0 0 0 645,146
ISHARES TR EAFE VALUE ETF 464288877   6,338,196 129,536 SH   SOLE 0 0 0 129,536
ISHARES TR EAFE GRWTH ETF 464288885   5,319,101 61,635 SH   SOLE 0 0 0 61,635
ISHARES TR CORE S&P SCP ETF 464287804   260,822 2,765 SH   SOLE 0 0 0 2,765
ISHARES TR CORE S&P500 ETF 464287200   206,556 481 SH   SOLE 0 0 0 481
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   10,502,389 210,849 SH   SOLE 0 0 0 210,849
J & J SNACK FOODS CORP COM 466032109   810,068 4,950 SH   SOLE 0 0 0 4,950
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209   425,429 8,416 SH   SOLE 0 0 0 8,416
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   2,767,636 63,962 SH   SOLE 0 0 0 63,962
J P MORGAN EXCHANGE TRADED F US MOMENTUM 46641Q779   2,736,163 66,670 SH   SOLE 0 0 0 66,670
J P MORGAN EXCHANGE TRADED F US VALUE FACTR 46641Q753   4,025,549 116,211 SH   SOLE 0 0 0 116,211
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   275,338 5,487 SH   SOLE 0 0 0 5,487
J P MORGAN EXCHANGE TRADED F JPMORGAN DIVER 46641Q407   262,713 2,797 SH   SOLE 0 0 0 2,797
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   19,618,938 388,879 SH   SOLE 0 0 0 388,879
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   27,747,883 518,071 SH   SOLE 0 0 0 518,071
JABIL INC COM 466313103   517,711 4,080 SH   SOLE 0 0 0 4,080
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886   2,385,500 49,729 SH   SOLE 0 0 0 49,729
JOHN HANCOCK EXCHANGE TRADED MLTFCTR LRG CAP 47804J107   382,433 7,213 SH   SOLE 0 0 0 7,213
JOHNSON & JOHNSON COM 478160104   2,470,904 15,865 SH   SOLE 0 0 0 15,865
JPMORGAN CHASE & CO COM 46625H100   682,202 4,704 SH   SOLE 0 0 0 4,704
KIMBERLY-CLARK CORP COM 494368103   461,768 3,821 SH   SOLE 0 0 0 3,821
KLA CORP COM NEW 482480100   404,079 881 SH   SOLE 0 0 0 881
KROGER CO COM 501044101   458,867 10,254 SH   SOLE 0 0 0 10,254
LENNAR CORP CL A 526057104   310,204 2,764 SH   SOLE 0 0 0 2,764
LEXINFINTECH HLDGS LTD ADR 528877103   43,997 19,908 SH   SOLE 0 0 0 19,908
LOCKHEED MARTIN CORP COM 539830109   709,955 1,736 SH   SOLE 0 0 0 1,736
LOWES COS INC COM 548661107   265,204 1,276 SH   SOLE 0 0 0 1,276
MARATHON PETE CORP COM 56585A102   834,791 5,516 SH   SOLE 0 0 0 5,516
MARRIOTT INTL INC NEW CL A 571903202   381,720 1,942 SH   SOLE 0 0 0 1,942
MARSH & MCLENNAN COS INC COM 571748102   660,341 3,470 SH   SOLE 0 0 0 3,470
MCDONALDS CORP COM 580135101   361,743 1,373 SH   SOLE 0 0 0 1,373
MCKESSON CORP COM 58155Q103   1,045,379 2,404 SH   SOLE 0 0 0 2,404
MERCK & CO INC COM 58933Y105   1,984,052 19,272 SH   SOLE 0 0 0 19,272
META PLATFORMS INC CL A 30303M102   589,776 1,965 SH   SOLE 0 0 0 1,965
MICRON TECHNOLOGY INC COM 595112103   200,212 2,943 SH   SOLE 0 0 0 2,943
MICROSOFT CORP COM 594918104   4,791,423 15,175 SH   SOLE 0 0 0 15,175
MID-AMER APT CMNTYS INC COM 59522J103   284,043 2,208 SH   SOLE 0 0 0 2,208
MONDELEZ INTL INC CL A 609207105   1,238,859 17,851 SH   SOLE 0 0 0 17,851
MSCI INC COM 55354G100   206,771 403 SH   SOLE 0 0 0 403
NATWEST GROUP PLC SPONS ADR 639057207   74,338 12,751 SH   SOLE 0 0 0 12,751
NIKE INC CL B 654106103   263,912 2,760 SH   SOLE 0 0 0 2,760
NOVARTIS AG SPONSORED ADR 66987V109   1,146,027 11,251 SH   SOLE 0 0 0 11,251
NOVO-NORDISK A S ADR 670100205   1,662,019 18,276 SH   SOLE 0 0 0 18,276
NVIDIA CORPORATION COM 67066G104   950,516 2,185 SH   SOLE 0 0 0 2,185
NVR INC COM 62944T105   268,349 45 SH   SOLE 0 0 0 45
ONEOK INC NEW COM 682680103   223,232 3,519 SH   SOLE 0 0 0 3,519
OPENLANE INC COM 48238T109   572,928 38,400 SH   SOLE 0 0 0 38,400
ORACLE CORP COM 68389X105   1,335,317 12,607 SH   SOLE 0 0 0 12,607
ORANGE SPONSORED ADR 684060106   281,264 24,479 SH   SOLE 0 0 0 24,479
OREILLY AUTOMOTIVE INC COM 67103H107   882,503 971 SH   SOLE 0 0 0 971
ORIX CORP SPONSORED ADR 686330101   368,291 3,923 SH   SOLE 0 0 0 3,923
P T TELEKOMUNIKASI INDONESIA SPONSORED ADR 715684106   515,162 21,376 SH   SOLE 0 0 0 21,376
PACER FDS TR TRENDP US LAR CP 69374H105   1,901,936 47,596 SH   SOLE 0 0 0 47,596
PACER FDS TR TRENDPILOT INTL 69374H683   945,611 36,272 SH   SOLE 0 0 0 36,272
PAYCHEX INC COM 704326107   301,242 2,612 SH   SOLE 0 0 0 2,612
PAYCOM SOFTWARE INC COM 70432V102   237,491 916 SH   SOLE 0 0 0 916
PEPSICO INC COM 713448108   2,117,153 12,495 SH   SOLE 0 0 0 12,495
PETROLEO BRASILEIRO SA PETRO SPONSORED ADR 71654V408   212,888 14,202 SH   SOLE 0 0 0 14,202
PFIZER INC COM 717081103   380,135 11,460 SH   SOLE 0 0 0 11,460
PGIM ETF TR PGIM ULTRA SH BD 69344A107   4,042,541 81,684 SH   SOLE 0 0 0 81,684
PHILIP MORRIS INTL INC COM 718172109   691,295 7,467 SH   SOLE 0 0 0 7,467
PIMCO ETF TR SHTRM MUN BD ACT 72201R874   5,287,187 108,012 SH   SOLE 0 0 0 108,012
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   44,012,840 439,513 SH   SOLE 0 0 0 439,513
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   22,664,738 241,783 SH   SOLE 0 0 0 241,783
PNC FINL SVCS GROUP INC COM 693475105   347,316 2,829 SH   SOLE 0 0 0 2,829
PROCTER AND GAMBLE CO COM 742718109   1,537,510 10,541 SH   SOLE 0 0 0 10,541
PROSPECT CAP CORP COM 74348T102   350,700 57,967 SH   SOLE 0 0 0 57,967
RELIANCE STEEL & ALUMINUM CO COM 759509102   223,158 851 SH   SOLE 0 0 0 851
RELX PLC SPONSORED ADR 759530108   982,793 29,163 SH   SOLE 0 0 0 29,163
REPUBLIC SVCS INC COM 760759100   346,584 2,432 SH   SOLE 0 0 0 2,432
RTX CORPORATION COM 75513E101   241,603 3,357 SH   SOLE 0 0 0 3,357
S&P GLOBAL INC COM 78409V104   331,061 906 SH   SOLE 0 0 0 906
SAP SE SPON ADR 803054204   338,948 2,621 SH   SOLE 0 0 0 2,621
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   6,654,763 195,959 SH   SOLE 0 0 0 195,959
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,452,481 48,468 SH   SOLE 0 0 0 48,468
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   207,721 5,015 SH   SOLE 0 0 0 5,015
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   734,399 10,099 SH   SOLE 0 0 0 10,099
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   451,369 7,002 SH   SOLE 0 0 0 7,002
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,641,723 110,348 SH   SOLE 0 0 0 110,348
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   13,892,056 286,493 SH   SOLE 0 0 0 286,493
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   7,136,616 272,182 SH   SOLE 0 0 0 272,182
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   1,238,275 39,099 SH   SOLE 0 0 0 39,099
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   363,848 5,142 SH   SOLE 0 0 0 5,142
SIMPLIFY EXCHANGE TRADED FUN US EQT PLS DWNSD 82889N202   255,740 9,754 SH   SOLE 0 0 0 9,754
STRYKER CORPORATION COM 863667101   336,948 1,233 SH   SOLE 0 0 0 1,233
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   577,885 6,650 SH   SOLE 0 0 0 6,650
TELEFONICA BRASIL SA NEW ADR 87936R205   195,556 22,872 SH   SOLE 0 0 0 22,872
TELEFONICA S A SPONSORED ADR 879382208   64,945 15,957 SH   SOLE 0 0 0 15,957
TESLA INC COM 88160R101   320,128 1,279 SH   SOLE 0 0 0 1,279
THE CIGNA GROUP COM 125523100   281,207 983 SH   SOLE 0 0 0 983
THE LION ELECTRIC COMPANY COMMON STOCK 536221104   11 36,400 SH Call SOLE 0 0 0 36,400
TRAVELERS COMPANIES INC COM 89417E109   348,504 2,134 SH   SOLE 0 0 0 2,134
TURKCELL ILETISIM HIZMETLERI SPON ADR NEW 900111204   131,073 27,711 SH   SOLE 0 0 0 27,711
UBS GROUP AG SHS H42097107   791,512 32,110 SH   SOLE 0 0 0 32,110
UNION PAC CORP COM 907818108   919,389 4,515 SH   SOLE 0 0 0 4,515
UNITEDHEALTH GROUP INC COM 91324P102   2,168,521 4,301 SH   SOLE 0 0 0 4,301
US BANCORP DEL COM NEW 902973304   239,983 7,259 SH   SOLE 0 0 0 7,259
VALERO ENERGY CORP COM 91913Y100   349,599 2,467 SH   SOLE 0 0 0 2,467
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   302,840 4,340 SH   SOLE 0 0 0 4,340
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   50,156,780 1,019,654 SH   SOLE 0 0 0 1,019,654
VANGUARD INDEX FDS LARGE CAP ETF 922908637   27,159,662 138,789 SH   SOLE 0 0 0 138,789
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   940,913 2,396 SH   SOLE 0 0 0 2,396
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,019,273 14,214 SH   SOLE 0 0 0 14,214
VANGUARD INDEX FDS GROWTH ETF 922908736   6,650,797 24,424 SH   SOLE 0 0 0 24,424
VANGUARD INDEX FDS SMALL CP ETF 922908751   7,241,392 38,300 SH   SOLE 0 0 0 38,300
VANGUARD INDEX FDS VALUE ETF 922908744   6,618,712 47,986 SH   SOLE 0 0 0 47,986
VANGUARD INDEX FDS SM CP VAL ETF 922908611   846,828 5,310 SH   SOLE 0 0 0 5,310
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   14,549,031 371,054 SH   SOLE 0 0 0 371,054
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   202,293 3,900 SH   SOLE 0 0 0 3,900
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   236,955 1,525 SH   SOLE 0 0 0 1,525
VANGUARD STAR FDS VG TL INTL STK F 921909768   460,347 8,601 SH   SOLE 0 0 0 8,601
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   29,606,607 677,187 SH   SOLE 0 0 0 677,187
VANGUARD WELLINGTON FD US MOMENTUM 921935508   274,289 2,419 SH   SOLE 0 0 0 2,419
VANGUARD WELLINGTON FD US VALUE FACTR 921935805   408,727 4,084 SH   SOLE 0 0 0 4,084
VANGUARD WELLINGTON FD US QUALITY 921935706   279,764 2,491 SH   SOLE 0 0 0 2,491
VERISK ANALYTICS INC COM 92345Y106   418,145 1,770 SH   SOLE 0 0 0 1,770
VERIZON COMMUNICATIONS INC COM 92343V104   906,248 27,962 SH   SOLE 0 0 0 27,962
VIATRIS INC COM 92556V106   424,079 43,010 SH   SOLE 0 0 0 43,010
VIPSHOP HLDGS LTD SPONSORED ADS A 92763W103   406,094 25,365 SH   SOLE 0 0 0 25,365
VISA INC COM CL A 92826C839   2,121,443 9,223 SH   SOLE 0 0 0 9,223
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   174,840 18,443 SH   SOLE 0 0 0 18,443
WALKER & DUNLOP INC COM 93148P102   13,485,770 181,651 SH   SOLE 0 0 0 181,651
WALMART INC COM 931142103   1,955,864 12,229 SH   SOLE 0 0 0 12,229
WASTE MGMT INC DEL COM 94106L109   571,049 3,746 SH   SOLE 0 0 0 3,746
WELLS FARGO CO NEW COM 949746101   296,151 7,248 SH   SOLE 0 0 0 7,248
WISDOMTREE TR INTL QULTY DIV 97717X131   4,099,425 128,027 SH   SOLE 0 0 0 128,027
WP CAREY INC COM 92936U109   265,371 4,907 SH   SOLE 0 0 0 4,907
ZOETIS INC CL A 98978V103   740,111 4,254 SH   SOLE 0 0 0 4,254