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   630,610 5,945 SH   SOLE 0 0 0 5,945
ABBOTT LABS COM 002824100   331,433 2,916 SH   SOLE 0 0 0 2,916
ABBVIE INC COM 00287Y109   413,151 2,269 SH   SOLE 0 0 0 2,269
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   515,062 1,486 SH   SOLE 0 0 0 1,486
ADOBE INC COM 00724F101   1,550,636 3,073 SH   SOLE 0 0 0 3,073
ADTHEORENT HOLDING COMPANY COM 00739D109   39,043 12,163 SH   SOLE 0 0 0 12,163
AFLAC INC COM 001055102   982,153 11,439 SH   SOLE 0 0 0 11,439
AGILENT TECHNOLOGIES INC COM 00846U101   242,856 1,669 SH   SOLE 0 0 0 1,669
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   231,118 3,194 SH   SOLE 0 0 0 3,194
ALLSTATE CORP COM 020002101   1,128,544 6,523 SH   SOLE 0 0 0 6,523
ALPHABET INC CAP STK CL C 02079K107   2,363,227 15,521 SH   SOLE 0 0 0 15,521
ALPHABET INC CAP STK CL A 02079K305   943,614 6,252 SH   SOLE 0 0 0 6,252
ALTRIA GROUP INC COM 02209S103   1,208,623 27,708 SH   SOLE 0 0 0 27,708
AMAZON COM INC COM 023135106   1,582,930 8,776 SH   SOLE 0 0 0 8,776
AMERICAN EXPRESS CO COM 025816109   241,807 1,062 SH   SOLE 0 0 0 1,062
AMERICAN INTL GROUP INC COM NEW 026874784   703,139 8,995 SH   SOLE 0 0 0 8,995
AMERIPRISE FINL INC COM 03076C106   312,169 712 SH   SOLE 0 0 0 712
AMGEN INC COM 031162100   743,497 2,615 SH   SOLE 0 0 0 2,615
AON PLC SHS CL A G0403H108   729,846 2,187 SH   SOLE 0 0 0 2,187
APPLE INC COM 037833100   9,812,741 57,224 SH   SOLE 0 0 0 57,224
ARES CAPITAL CORP COM 04010L103   1,039,334 49,920 SH   SOLE 0 0 0 49,920
ARISTA NETWORKS INC COM 040413106   306,799 1,058 SH   SOLE 0 0 0 1,058
ASGN INC COM 00191U102   227,748 2,174 SH   SOLE 0 0 0 2,174
ASML HOLDING N V N Y REGISTRY SHS N07059210   236,795 244 SH   SOLE 0 0 0 244
ASTRAZENECA PLC SPONSORED ADR 046353108   275,404 4,065 SH   SOLE 0 0 0 4,065
AUTOMATIC DATA PROCESSING IN COM 053015103   843,871 3,379 SH   SOLE 0 0 0 3,379
AUTOZONE INC COM 053332102   977,012 310 SH   SOLE 0 0 0 310
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   496,120 41,902 SH   SOLE 0 0 0 41,902
BANCO SANTANDER S.A. ADR 05964H105   139,155 28,751 SH   SOLE 0 0 0 28,751
BANK AMERICA CORP COM 060505104   963,813 25,417 SH   SOLE 0 0 0 25,417
BANK NEW YORK MELLON CORP COM 064058100   406,048 7,047 SH   SOLE 0 0 0 7,047
BARCLAYS PLC ADR 06738E204   301,568 31,912 SH   SOLE 0 0 0 31,912
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,629,936 3,876 SH   SOLE 0 0 0 3,876
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   323,400 1,800 SH Call SOLE 0 0 0 1,800
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   113,000 600 SH Call SOLE 0 0 0 600
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   309,658 1,400 SH Call SOLE 0 0 0 1,400
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   317,461 1,500 SH Call SOLE 0 0 0 1,500
BEST BUY INC COM 086516101   577,245 7,037 SH   SOLE 0 0 0 7,037
BLACKROCK INC COM 09247X101   278,456 334 SH   SOLE 0 0 0 334
BLACKSTONE INC COM 09260D107   1,162,320 8,848 SH   SOLE 0 0 0 8,848
BLOCK INC CL A 852234103   249,426 2,949 SH   SOLE 0 0 0 2,949
BOEING CO COM 097023105   284,660 1,475 SH   SOLE 0 0 0 1,475
BOOKING HOLDINGS INC COM 09857L108   359,160 99 SH   SOLE 0 0 0 99
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   285,747 1,925 SH   SOLE 0 0 0 1,925
BRISTOL-MYERS SQUIBB CO COM 110122108   222,126 4,096 SH   SOLE 0 0 0 4,096
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   519,446 17,031 SH   SOLE 0 0 0 17,031
BROADCOM INC COM 11135F101   800,548 604 SH   SOLE 0 0 0 604
BUILDERS FIRSTSOURCE INC COM 12008R107   1,127,421 5,406 SH   SOLE 0 0 0 5,406
CADENCE DESIGN SYSTEM INC COM 127387108   1,042,477 3,349 SH   SOLE 0 0 0 3,349
CANADIAN NATL RY CO COM 136375102   1,427,210 10,836 SH   SOLE 0 0 0 10,836
CAPITAL ONE FINL CORP COM 14040H105   440,268 2,957 SH   SOLE 0 0 0 2,957
CARDINAL HEALTH INC COM 14149Y108   477,701 4,269 SH   SOLE 0 0 0 4,269
CATERPILLAR INC COM 149123101   352,175 961 SH   SOLE 0 0 0 961
CDW CORP COM 12514G108   645,845 2,525 SH   SOLE 0 0 0 2,525
CELESTICA INC SUB VTG SHS 15101Q108   502,609 11,184 SH   SOLE 0 0 0 11,184
CEMEX SAB DE CV SPON ADR NEW 151290889   114,580 12,717 SH   SOLE 0 0 0 12,717
CENCORA INC COM 03073E105   363,999 1,498 SH   SOLE 0 0 0 1,498
CF INDS HLDGS INC COM 125269100   341,660 4,106 SH   SOLE 0 0 0 4,106
CGI INC CL A SUB VTG 12532H104   864,363 7,823 SH   SOLE 0 0 0 7,823
CHECK POINT SOFTWARE TECH LT ORD M22465104   281,933 1,719 SH   SOLE 0 0 0 1,719
CHEVRON CORP NEW COM 166764100   408,805 2,592 SH   SOLE 0 0 0 2,592
CHUNGHWA TELECOM CO LTD SPON ADR NEW11 17133Q502   1,165,863 29,787 SH   SOLE 0 0 0 29,787
CHURCH & DWIGHT CO INC COM 171340102   439,875 4,217 SH   SOLE 0 0 0 4,217
CISCO SYS INC COM 17275R102   1,565,178 31,360 SH   SOLE 0 0 0 31,360
CITIGROUP INC COM NEW 172967424   569,476 9,005 SH   SOLE 0 0 0 9,005
COCA COLA CO COM 191216100   301,105 4,922 SH   SOLE 0 0 0 4,922
COCA-COLA FEMSA SAB DE CV SPONSORD ADR REP 191241108   474,239 4,879 SH   SOLE 0 0 0 4,879
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102   361,833 4,937 SH   SOLE 0 0 0 4,937
COLGATE PALMOLIVE CO COM 194162103   858,987 9,539 SH   SOLE 0 0 0 9,539
COMCAST CORP NEW CL A 20030N101   483,941 11,164 SH   SOLE 0 0 0 11,164
CONOCOPHILLIPS COM 20825C104   301,526 2,369 SH   SOLE 0 0 0 2,369
COSTCO WHSL CORP NEW COM 22160K105   2,417,517 3,300 SH   SOLE 0 0 0 3,300
COTERRA ENERGY INC COM 127097103   275,984 9,899 SH   SOLE 0 0 0 9,899
CRH PLC ORD G25508105   1,135,872 13,168 SH   SOLE 0 0 0 13,168
DEERE & CO COM 244199105   234,052 570 SH   SOLE 0 0 0 570
DELL TECHNOLOGIES INC CL C 24703L202   514,294 4,507 SH   SOLE 0 0 0 4,507
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   223,192 5,457 SH   SOLE 0 0 0 5,457
DISNEY WALT CO COM 254687106   524,156 4,284 SH   SOLE 0 0 0 4,284
DOUBLELINE ETF TRUST COMMERCIAL REAL 25861R303   5,781,101 112,798 SH   SOLE 0 0 0 112,798
EA SERIES TRUST FREEDOM 100 EM 02072L607   15,549,858 461,010 SH   SOLE 0 0 0 461,010
EA SERIES TRUST US QUAN VALUE 02072L102   6,438,882 143,277 SH   SOLE 0 0 0 143,277
EA SERIES TRUST INTL QUAN VALUE 02072L201   3,254,588 120,630 SH   SOLE 0 0 0 120,630
EA SERIES TRUST INTL QUAN MOMNTM 02072L300   2,934,635 100,605 SH   SOLE 0 0 0 100,605
EA SERIES TRUST US QUAN MOMENTUM 02072L409   5,664,529 95,830 SH   SOLE 0 0 0 95,830
EATON CORP PLC SHS G29183103   305,488 977 SH   SOLE 0 0 0 977
EBAY INC. COM 278642103   436,361 8,268 SH   SOLE 0 0 0 8,268
ELI LILLY & CO COM 532457108   3,615,180 4,647 SH   SOLE 0 0 0 4,647
EMCOR GROUP INC COM 29084Q100   241,288 689 SH   SOLE 0 0 0 689
EQUITABLE HLDGS INC COM 29452E101   254,097 6,685 SH   SOLE 0 0 0 6,685
ESSENTIAL UTILS INC COM 29670G102   605,582 16,345 SH   SOLE 0 0 0 16,345
EXPEDIA GROUP INC COM NEW 30212P303   265,858 1,930 SH   SOLE 0 0 0 1,930
EXPEDITORS INTL WASH INC COM 302130109   276,572 2,275 SH   SOLE 0 0 0 2,275
EXXON MOBIL CORP COM 30231G102   2,845,944 24,483 SH   SOLE 0 0 0 24,483
FAIR ISAAC CORP COM 303250104   769,760 616 SH   SOLE 0 0 0 616
FASTENAL CO COM 311900104   586,727 7,606 SH   SOLE 0 0 0 7,606
FERROGLOBE PLC SHS G33856108   129,873 26,079 SH   SOLE 0 0 0 26,079
FINVOLUTION GROUP SPONSORED ADS 31810T101   178,744 35,465 SH   SOLE 0 0 0 35,465
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF 35473P595   529,737 21,626 SH   SOLE 0 0 0 21,626
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   712,116 120,087 SH   SOLE 0 0 0 120,087
FS KKR CAP CORP COM 302635206   995,950 52,226 SH   SOLE 0 0 0 52,226
GENERAL DYNAMICS CORP COM 369550108   879,170 3,112 SH   SOLE 0 0 0 3,112
GENERAL ELECTRIC CO COM NEW 369604301   614,004 3,498 SH   SOLE 0 0 0 3,498
GENERAL MLS INC COM 370334104   778,416 11,125 SH   SOLE 0 0 0 11,125
GERDAU SA SPON ADR REP PFD 373737105   326,112 73,781 SH   SOLE 0 0 0 73,781
GILEAD SCIENCES INC COM 375558103   217,113 2,964 SH   SOLE 0 0 0 2,964
GLOBAL PMTS INC COM 37940X102   214,925 1,608 SH   SOLE 0 0 0 1,608
GLOBE LIFE INC COM 37959E102   246,239 2,116 SH   SOLE 0 0 0 2,116
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   2,147,298 62,622 SH   SOLE 0 0 0 62,622
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   4,609,461 44,411 SH   SOLE 0 0 0 44,411
GOLDMAN SACHS GROUP INC COM 38141G104   461,547 1,105 SH   SOLE 0 0 0 1,105
GRAINGER W W INC COM 384802104   607,328 597 SH   SOLE 0 0 0 597
GRAYSCALE BITCOIN TR BTC SHS REP COM UT 389637109   514,267 8,141 SH   SOLE 0 0 0 8,141
HARTFORD FINL SVCS GROUP INC COM 416515104   646,845 6,277 SH   SOLE 0 0 0 6,277
HOME DEPOT INC COM 437076102   2,488,453 6,487 SH   SOLE 0 0 0 6,487
HONDA MOTOR LTD ADR ECH CNV IN 3 438128308   512,657 13,770 SH   SOLE 0 0 0 13,770
HONEYWELL INTL INC COM 438516106   1,534,654 7,477 SH   SOLE 0 0 0 7,477
HP INC COM 40434L105   404,223 13,376 SH   SOLE 0 0 0 13,376
HUBBELL INC COM 443510607   207,110 499 SH   SOLE 0 0 0 499
ICL GROUP LTD SHS M53213100   54,349 10,102 SH   SOLE 0 0 0 10,102
ILLINOIS TOOL WKS INC COM 452308109   992,284 3,698 SH   SOLE 0 0 0 3,698
IMPERIAL OIL LTD COM NEW 453038408   251,218 3,634 SH   SOLE 0 0 0 3,634
INFOSYS LTD SPONSORED ADR 456788108   619,141 34,531 SH   SOLE 0 0 0 34,531
INNOVATOR ETFS TRUST US EQTY BUF SEP 45782C664   261,973 6,669 SH   SOLE 0 0 0 6,669
INNOVATOR ETFS TRUST US EQTY BUF DEC 45782C557   249,389 6,142 SH   SOLE 0 0 0 6,142
INNOVATOR ETFS TRUST INTRNL DEV JAN 45782C524   252,564 8,073 SH   SOLE 0 0 0 8,073
INNOVATOR ETFS TRUST US EQTY BUFR MAY 45782C326   319,759 8,982 SH   SOLE 0 0 0 8,982
INNOVATOR ETFS TRUST US EQTY BUFR JUL 45782C789   491,502 12,187 SH   SOLE 0 0 0 12,187
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C508   999,261 25,550 SH   SOLE 0 0 0 25,550
INNOVATOR ETFS TRUST US EQTY BUFR JAN 45782C409   978,649 22,477 SH   SOLE 0 0 0 22,477
INNOVATOR ETFS TRUST LADDERED ALC BFR 45783Y756   2,706,574 92,123 SH   SOLE 0 0 0 92,123
INTEL CORP COM 458140100   546,561 12,374 SH   SOLE 0 0 0 12,374
INTERNATIONAL BUSINESS MACHS COM 459200101   256,992 1,346 SH   SOLE 0 0 0 1,346
INTUIT COM 461202103   258,700 398 SH   SOLE 0 0 0 398
INVESCO CURRENCYSHARES EURO EURO SHS 46138K103   1,107,678 11,109 SH   SOLE 0 0 0 11,109
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727   2,467,547 126,801 SH   SOLE 0 0 0 126,801
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743   1,225,461 24,682 SH   SOLE 0 0 0 24,682
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   492,660 14,000 SH   SOLE 0 0 0 14,000
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597   488,643 12,440 SH   SOLE 0 0 0 12,440
ISHARES INC CORE MSCI EMKT 46434G103   375,877 7,284 SH   SOLE 0 0 0 7,284
ISHARES TR CORE MSCI EAFE 46432F842   301,158 4,058 SH   SOLE 0 0 0 4,058
ISHARES TR MSCI USA VALUE 46432F388   43,229,183 399,125 SH   SOLE 0 0 0 399,125
ISHARES TR MSCI USA MMENTM 46432F396   32,877,134 175,485 SH   SOLE 0 0 0 175,485
ISHARES TR MSCI USA QLT FCT 46432F339   34,070,762 207,306 SH   SOLE 0 0 0 207,306
ISHARES TR MSCI USA MIN VOL 46429B697   967,393 11,574 SH   SOLE 0 0 0 11,574
ISHARES TR MSCI EAFE MIN VL 46429B689   252,084 3,556 SH   SOLE 0 0 0 3,556
ISHARES TR MSCI INTL VLU FT 46435G409   19,365,312 685,983 SH   SOLE 0 0 0 685,983
ISHARES TR MSCI INTL MOMENT 46434V449   13,461,721 343,149 SH   SOLE 0 0 0 343,149
ISHARES TR MSCI INTL QUALTY 46434V456   14,455,273 364,480 SH   SOLE 0 0 0 364,480
ISHARES TR IBONDS DEC25 ETF 46434VBD1   25,096,853 1,011,562 SH   SOLE 0 0 0 1,011,562
ISHARES TR IBONDS DEC24 ETF 46434VBG4   25,639,711 1,023,541 SH   SOLE 0 0 0 1,023,541
ISHARES TR BROAD USD HIGH 46435U853   1,078,222 29,468 SH   SOLE 0 0 0 29,468
ISHARES TR IBONDS DEC2026 46435GAA0   22,130,630 927,909 SH   SOLE 0 0 0 927,909
ISHARES TR IBONDS 27 ETF 46435UAA9   22,213,992 933,361 SH   SOLE 0 0 0 933,361
ISHARES TR MSCI KLD400 SOC 464288570   692,262 6,867 SH   SOLE 0 0 0 6,867
ISHARES TR EAFE VALUE ETF 464288877   6,525,171 119,948 SH   SOLE 0 0 0 119,948
ISHARES TR EAFE GRWTH ETF 464288885   5,927,758 57,113 SH   SOLE 0 0 0 57,113
ISHARES TR ISHARES SEMICDTR 464287523   460,877 2,040 SH   SOLE 0 0 0 2,040
ISHARES TR CORE S&P SCP ETF 464287804   407,487 3,687 SH   SOLE 0 0 0 3,687
ISHARES TR CORE S&P500 ETF 464287200   252,876 481 SH   SOLE 0 0 0 481
ISHARES TR IBONDS DEC 26 46435U259   16,787,404 662,225 SH   SOLE 0 0 0 662,225
ISHARES TR IBONDS DEC 27 46435U283   16,828,838 668,607 SH   SOLE 0 0 0 668,607
ISHARES TR IBDS DEC28 ETF 46435U515   22,199,397 891,363 SH   SOLE 0 0 0 891,363
ISHARES TR IBONDS DEC 46435U697   16,833,272 648,681 SH   SOLE 0 0 0 648,681
ISHARES TR IBONDS DEC 25 46435U432   16,779,530 634,147 SH   SOLE 0 0 0 634,147
ISHARES TR IBONDS DEC 28 46435U325   16,799,041 664,782 SH   SOLE 0 0 0 664,782
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   1,024,152 20,434 SH   SOLE 0 0 0 20,434
J & J SNACK FOODS CORP COM 466032109   715,572 4,950 SH   SOLE 0 0 0 4,950
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209   483,142 8,577 SH   SOLE 0 0 0 8,577
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   276,819 5,487 SH   SOLE 0 0 0 5,487
J P MORGAN EXCHANGE TRADED F JPMORGAN DIVER 46641Q407   313,275 2,797 SH   SOLE 0 0 0 2,797
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   3,152,374 59,625 SH   SOLE 0 0 0 59,625
J P MORGAN EXCHANGE TRADED F US MOMENTUM 46641Q779   3,433,788 65,182 SH   SOLE 0 0 0 65,182
J P MORGAN EXCHANGE TRADED F US VALUE FACTR 46641Q753   4,617,281 110,939 SH   SOLE 0 0 0 110,939
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   31,386,883 542,463 SH   SOLE 0 0 0 542,463
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   4,393,489 86,588 SH   SOLE 0 0 0 86,588
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   257,778 5,658 SH   SOLE 0 0 0 5,658
JABIL INC COM 466313103   566,341 4,228 SH   SOLE 0 0 0 4,228
JANUS DETROIT STR TR B-BBB CLO ETF 47103U753   531,976 10,881 SH   SOLE 0 0 0 10,881
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   5,778,373 113,882 SH   SOLE 0 0 0 113,882
JOHN HANCOCK EXCHANGE TRADED MLTFCTR LRG CAP 47804J107   467,114 7,213 SH   SOLE 0 0 0 7,213
JOHNSON & JOHNSON COM 478160104   2,422,958 15,317 SH   SOLE 0 0 0 15,317
JPMORGAN CHASE & CO COM 46625H100   992,070 4,953 SH   SOLE 0 0 0 4,953
KIMBERLY-CLARK CORP COM 494368103   635,109 4,910 SH   SOLE 0 0 0 4,910
KLA CORP COM NEW 482480100   567,239 812 SH   SOLE 0 0 0 812
KROGER CO COM 501044101   885,744 15,504 SH   SOLE 0 0 0 15,504
KT CORP SPONSORED ADR 48268K101   148,388 10,584 SH   SOLE 0 0 0 10,584
LEIDOS HOLDINGS INC COM 525327102   331,264 2,527 SH   SOLE 0 0 0 2,527
LENNAR CORP CL A 526057104   421,007 2,448 SH   SOLE 0 0 0 2,448
LENNOX INTL INC COM 526107107   396,384 811 SH   SOLE 0 0 0 811
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   230,689 89,069 SH   SOLE 0 0 0 89,069
LOCKHEED MARTIN CORP COM 539830109   1,340,502 2,947 SH   SOLE 0 0 0 2,947
LOWES COS INC COM 548661107   368,594 1,447 SH   SOLE 0 0 0 1,447
MANHATTAN ASSOCIATES INC COM 562750109   247,227 988 SH   SOLE 0 0 0 988
MANULIFE FINL CORP COM 56501R106   269,617 10,789 SH   SOLE 0 0 0 10,789
MARATHON PETE CORP COM 56585A102   1,092,533 5,422 SH   SOLE 0 0 0 5,422
MARRIOTT INTL INC NEW CL A 571903202   908,064 3,599 SH   SOLE 0 0 0 3,599
MARSH & MCLENNAN COS INC COM 571748102   942,564 4,576 SH   SOLE 0 0 0 4,576
MCKESSON CORP COM 58155Q103   1,324,946 2,468 SH   SOLE 0 0 0 2,468
MERCK & CO INC COM 58933Y105   2,578,963 19,545 SH   SOLE 0 0 0 19,545
META PLATFORMS INC CL A 30303M102   1,400,774 2,885 SH   SOLE 0 0 0 2,885
MICRON TECHNOLOGY INC COM 595112103   251,459 2,133 SH   SOLE 0 0 0 2,133
MICROSOFT CORP COM 594918104   8,319,378 19,774 SH   SOLE 0 0 0 19,774
MID-AMER APT CMNTYS INC COM 59522J103   302,288 2,297 SH   SOLE 0 0 0 2,297
MONDELEZ INTL INC CL A 609207105   1,032,010 14,743 SH   SOLE 0 0 0 14,743
MOODYS CORP COM 615369105   217,346 553 SH   SOLE 0 0 0 553
MSCI INC COM 55354G100   225,301 402 SH   SOLE 0 0 0 402
NATWEST GROUP PLC SPONS ADR 639057207   280,452 41,243 SH   SOLE 0 0 0 41,243
NETAPP INC COM 64110D104   220,017 2,096 SH   SOLE 0 0 0 2,096
NIKE INC CL B 654106103   316,295 3,366 SH   SOLE 0 0 0 3,366
NORFOLK SOUTHN CORP COM 655844108   224,011 879 SH   SOLE 0 0 0 879
NOVARTIS AG SPONSORED ADR 66987V109   1,207,094 12,479 SH   SOLE 0 0 0 12,479
NOVO-NORDISK A S ADR 670100205   2,666,098 20,764 SH   SOLE 0 0 0 20,764
NVIDIA CORPORATION COM 67066G104   3,036,116 3,360 SH   SOLE 0 0 0 3,360
NVR INC COM 62944T105   348,298 43 SH   SOLE 0 0 0 43
ONEOK INC NEW COM 682680103   287,236 3,583 SH   SOLE 0 0 0 3,583
OPENLANE INC COM 48238T109   664,320 38,400 SH   SOLE 0 0 0 38,400
ORACLE CORP COM 68389X105   1,369,947 10,906 SH   SOLE 0 0 0 10,906
ORANGE SPONSORED ADR 684060106   318,426 27,054 SH   SOLE 0 0 0 27,054
OREILLY AUTOMOTIVE INC COM 67103H107   1,066,792 945 SH   SOLE 0 0 0 945
ORIX CORP SPONSORED ADR 686330101   467,689 4,244 SH   SOLE 0 0 0 4,244
P T TELEKOMUNIKASI INDONESIA SPONSORED ADR 715684106   744,219 33,433 SH   SOLE 0 0 0 33,433
PACER FDS TR TRENDP US LAR CP 69374H105   1,918,917 40,212 SH   SOLE 0 0 0 40,212
PACER FDS TR TRENDPILOT INTL 69374H683   893,815 30,747 SH   SOLE 0 0 0 30,747
PALO ALTO NETWORKS INC COM 697435105   252,876 890 SH   SOLE 0 0 0 890
PAYCHEX INC COM 704326107   338,928 2,760 SH   SOLE 0 0 0 2,760
PAYCOM SOFTWARE INC COM 70432V102   240,006 1,206 SH   SOLE 0 0 0 1,206
PEPSICO INC COM 713448108   1,732,074 9,897 SH   SOLE 0 0 0 9,897
PETROLEO BRASILEIRO SA PETRO SPONSORED ADR 71654V408   270,221 17,766 SH   SOLE 0 0 0 17,766
PFIZER INC COM 717081103   203,157 7,321 SH   SOLE 0 0 0 7,321
PHILIP MORRIS INTL INC COM 718172109   442,799 4,833 SH   SOLE 0 0 0 4,833
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   366,160 3,860 SH   SOLE 0 0 0 3,860
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   12,564,008 124,965 SH   SOLE 0 0 0 124,965
PLDT INC SPONSORED ADR 69344D408   258,412 10,479 SH   SOLE 0 0 0 10,479
PNC FINL SVCS GROUP INC COM 693475105   875,872 5,420 SH   SOLE 0 0 0 5,420
PROCTER AND GAMBLE CO COM 742718109   2,161,170 13,320 SH   SOLE 0 0 0 13,320
PROSPECT CAP CORP COM 74348T102   319,978 57,967 SH   SOLE 0 0 0 57,967
PULTE GROUP INC COM 745867101   379,229 3,144 SH   SOLE 0 0 0 3,144
QUDIAN INC ADR 747798106   30,163 12,065 SH   SOLE 0 0 0 12,065
RELIANCE INC COM 759509102   332,509 995 SH   SOLE 0 0 0 995
RELX PLC SPONSORED ADR 759530108   1,714,457 39,604 SH   SOLE 0 0 0 39,604
REPUBLIC SVCS INC COM 760759100   600,739 3,138 SH   SOLE 0 0 0 3,138
RIBBON COMMUNICATIONS INC COM 762544104   32,000 10,000 SH   SOLE 0 0 0 10,000
ROYAL BK CDA COM 780087102   300,723 2,981 SH   SOLE 0 0 0 2,981
RTX CORPORATION COM 75513E101   319,508 3,276 SH   SOLE 0 0 0 3,276
S&P GLOBAL INC COM 78409V104   395,243 929 SH   SOLE 0 0 0 929
SALESFORCE INC COM 79466L302   227,391 755 SH   SOLE 0 0 0 755
SAP SE SPON ADR 803054204   590,356 3,027 SH   SOLE 0 0 0 3,027
SAVERONE 2014 LTD SPONSORED ADS 80516T105   11,319,025 8,575,019 SH   SOLE 0 0 0 8,575,019
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   7,395,689 189,536 SH   SOLE 0 0 0 189,536
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,862,207 46,120 SH   SOLE 0 0 0 46,120
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   248,908 5,055 SH   SOLE 0 0 0 5,055
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   922,100 9,945 SH   SOLE 0 0 0 9,945
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   525,349 6,914 SH   SOLE 0 0 0 6,914
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,643,969 104,712 SH   SOLE 0 0 0 104,712
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   414,599 5,142 SH   SOLE 0 0 0 5,142
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   17,274,884 302,909 SH   SOLE 0 0 0 302,909
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   8,531,684 307,337 SH   SOLE 0 0 0 307,337
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   1,608,488 45,170 SH   SOLE 0 0 0 45,170
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103   225,646 2,425 SH   SOLE 0 0 0 2,425
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   381,020 2,072 SH   SOLE 0 0 0 2,072
SHELL PLC SPON ADS 780259305   241,612 3,604 SH   SOLE 0 0 0 3,604
SHERWIN WILLIAMS CO COM 824348106   305,650 880 SH   SOLE 0 0 0 880
SIMON PPTY GROUP INC NEW COM 828806109   220,494 1,409 SH   SOLE 0 0 0 1,409
SIMPLIFY EXCHANGE TRADED FUN US EQT PLS DWNSD 82889N202   239,413 7,701 SH   SOLE 0 0 0 7,701
SMART SAND INC COM 83191H107   31,414 16,447 SH   SOLE 0 0 0 16,447
SPDR S&P 500 ETF TR TR UNIT 78462F103   236,005 451 SH   SOLE 0 0 0 451
SPDR SER TR S&P DIVID ETF 78464A763   221,664 1,689 SH   SOLE 0 0 0 1,689
STARBUCKS CORP COM 855244109   222,144 2,431 SH   SOLE 0 0 0 2,431
STEEL DYNAMICS INC COM 858119100   247,989 1,673 SH   SOLE 0 0 0 1,673
STELLANTIS N.V SHS N82405106   290,669 10,271 SH   SOLE 0 0 0 10,271
STRYKER CORPORATION COM 863667101   203,019 567 SH   SOLE 0 0 0 567
SUNCOR ENERGY INC NEW COM 867224107   229,617 6,221 SH   SOLE 0 0 0 6,221
SUPER MICRO COMPUTER INC COM 86800U104   364,621 361 SH   SOLE 0 0 0 361
SYNCHRONY FINANCIAL COM 87165B103   222,327 5,156 SH   SOLE 0 0 0 5,156
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   1,015,613 7,465 SH   SOLE 0 0 0 7,465
TELEFONICA BRASIL SA NEW ADR 87936R205   279,211 27,727 SH   SOLE 0 0 0 27,727
TELEFONICA S A SPONSORED ADR 879382208   62,049 14,070 SH   SOLE 0 0 0 14,070
TESLA INC COM 88160R101   206,973 1,177 SH   SOLE 0 0 0 1,177
THE CIGNA GROUP COM 125523100   407,136 1,121 SH   SOLE 0 0 0 1,121
TRAVELERS COMPANIES INC COM 89417E109   776,032 3,372 SH   SOLE 0 0 0 3,372
TURKCELL ILETISIM HIZMETLERI SPON ADR NEW 900111204   121,254 23,363 SH   SOLE 0 0 0 23,363
UBS GROUP AG SHS H42097107   1,064,509 34,652 SH   SOLE 0 0 0 34,652
UNION PAC CORP COM 907818108   1,247,849 5,074 SH   SOLE 0 0 0 5,074
UNITED PARCEL SERVICE INC CL B 911312106   237,065 1,595 SH   SOLE 0 0 0 1,595
UNITEDHEALTH GROUP INC COM 91324P102   1,884,807 3,810 SH   SOLE 0 0 0 3,810
US BANCORP DEL COM NEW 902973304   331,227 7,410 SH   SOLE 0 0 0 7,410
VALE S A SPONSORED ADS 91912E105   233,573 19,161 SH   SOLE 0 0 0 19,161
VALERO ENERGY CORP COM 91913Y100   474,860 2,782 SH   SOLE 0 0 0 2,782
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   271,788 1,208 SH   SOLE 0 0 0 1,208
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   6,000,208 121,094 SH   SOLE 0 0 0 121,094
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,548,972 13,655 SH   SOLE 0 0 0 13,655
VANGUARD INDEX FDS GROWTH ETF 922908736   9,197,240 26,721 SH   SOLE 0 0 0 26,721
VANGUARD INDEX FDS SMALL CP ETF 922908751   9,297,356 40,673 SH   SOLE 0 0 0 40,673
VANGUARD INDEX FDS VALUE ETF 922908744   9,439,002 57,958 SH   SOLE 0 0 0 57,958
VANGUARD INDEX FDS SM CP VAL ETF 922908611   979,864 5,107 SH   SOLE 0 0 0 5,107
VANGUARD INDEX FDS LARGE CAP ETF 922908637   33,736,830 140,711 SH   SOLE 0 0 0 140,711
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,110,313 2,310 SH   SOLE 0 0 0 2,310
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   225,214 3,840 SH   SOLE 0 0 0 3,840
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   17,954,471 429,841 SH   SOLE 0 0 0 429,841
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   340,385 1,864 SH   SOLE 0 0 0 1,864
VANGUARD STAR FDS VG TL INTL STK F 921909768   576,334 9,558 SH   SOLE 0 0 0 9,558
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   37,634,309 750,136 SH   SOLE 0 0 0 750,136
VANGUARD WELLINGTON FD US MOMENTUM 921935508   367,157 2,427 SH   SOLE 0 0 0 2,427
VANGUARD WELLINGTON FD US VALUE FACTR 921935805   496,096 4,157 SH   SOLE 0 0 0 4,157
VANGUARD WELLINGTON FD US QUALITY 921935706   344,927 2,519 SH   SOLE 0 0 0 2,519
VERISK ANALYTICS INC COM 92345Y106   548,072 2,325 SH   SOLE 0 0 0 2,325
VERIZON COMMUNICATIONS INC COM 92343V104   2,286,568 54,494 SH   SOLE 0 0 0 54,494
VERTEX PHARMACEUTICALS INC COM 92532F100   241,192 577 SH   SOLE 0 0 0 577
VIATRIS INC COM 92556V106   344,720 28,871 SH   SOLE 0 0 0 28,871
VIPSHOP HLDGS LTD SPONSORED ADS A 92763W103   441,190 26,658 SH   SOLE 0 0 0 26,658
VISA INC COM CL A 92826C839   2,684,242 9,618 SH   SOLE 0 0 0 9,618
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   170,791 19,190 SH   SOLE 0 0 0 19,190
WALKER & DUNLOP INC COM 93148P102   14,719,490 145,651 SH   SOLE 0 0 0 145,651
WALMART INC COM 931142103   2,352,489 39,097 SH   SOLE 0 0 0 39,097
WASTE MGMT INC DEL COM 94106L109   1,218,659 5,717 SH   SOLE 0 0 0 5,717
WELLS FARGO CO NEW COM 949746101   458,812 7,916 SH   SOLE 0 0 0 7,916
WISDOMTREE TR INTL QULTY DIV 97717X131   4,537,704 119,225 SH   SOLE 0 0 0 119,225
WP CAREY INC COM 92936U109   276,951 4,907 SH   SOLE 0 0 0 4,907
YUM BRANDS INC COM 988498101   379,485 2,737 SH   SOLE 0 0 0 2,737
ZOETIS INC CL A 98978V103   703,068 4,155 SH   SOLE 0 0 0 4,155