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   766,231 7,009 SH   SOLE 0 0 0 7,009
ABBOTT LABS COM 002824100   316,121 2,872 SH   SOLE 0 0 0 2,872
ABBVIE INC COM 00287Y109   340,601 2,198 SH   SOLE 0 0 0 2,198
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   436,883 1,245 SH   SOLE 0 0 0 1,245
ADOBE INC COM 00724F101   1,798,749 3,015 SH   SOLE 0 0 0 3,015
AFLAC INC COM 001055102   856,598 10,383 SH   SOLE 0 0 0 10,383
AIR PRODS & CHEMS INC COM 009158106   213,016 778 SH   SOLE 0 0 0 778
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   247,877 3,198 SH   SOLE 0 0 0 3,198
ALLSTATE CORP COM 020002101   860,317 6,146 SH   SOLE 0 0 0 6,146
ALPHABET INC CAP STK CL C 02079K107   1,703,421 12,087 SH   SOLE 0 0 0 12,087
ALPHABET INC CAP STK CL A 02079K305   816,209 5,843 SH   SOLE 0 0 0 5,843
ALTRIA GROUP INC COM 02209S103   864,083 21,420 SH   SOLE 0 0 0 21,420
AMAZON COM INC COM 023135106   777,557 5,118 SH   SOLE 0 0 0 5,118
AMERICAN INTL GROUP INC COM NEW 026874784   610,224 9,007 SH   SOLE 0 0 0 9,007
AMERIPRISE FINL INC COM 03076C106   270,439 712 SH   SOLE 0 0 0 712
AMGEN INC COM 031162100   838,714 2,912 SH   SOLE 0 0 0 2,912
AON PLC SHS CL A G0403H108   586,114 2,014 SH   SOLE 0 0 0 2,014
APPLE INC COM 037833100   10,531,705 54,702 SH   SOLE 0 0 0 54,702
ARCHER DANIELS MIDLAND CO COM 039483102   301,374 4,173 SH   SOLE 0 0 0 4,173
ARES CAPITAL CORP COM 04010L103   999,898 49,920 SH   SOLE 0 0 0 49,920
ARISTA NETWORKS INC COM 040413106   246,579 1,047 SH   SOLE 0 0 0 1,047
ASGN INC COM 00191U102   207,920 2,162 SH   SOLE 0 0 0 2,162
ASTRAZENECA PLC SPONSORED ADR 046353108   261,992 3,890 SH   SOLE 0 0 0 3,890
AUTOMATIC DATA PROCESSING IN COM 053015103   750,629 3,222 SH   SOLE 0 0 0 3,222
AUTOZONE INC COM 053332102   775,683 300 SH   SOLE 0 0 0 300
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   360,756 39,600 SH   SOLE 0 0 0 39,600
BANCO SANTANDER S.A. ADR 05964H105   118,147 28,538 SH   SOLE 0 0 0 28,538
BANK AMERICA CORP COM 060505104   678,552 20,153 SH   SOLE 0 0 0 20,153
BANK NEW YORK MELLON CORP COM 064058100   335,254 6,441 SH   SOLE 0 0 0 6,441
BARCLAYS PLC ADR 06738E204   133,771 16,976 SH   SOLE 0 0 0 16,976
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,327,489 3,722 SH   SOLE 0 0 0 3,722
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   218,475 1,800 SH Call SOLE 0 0 0 1,800
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   77,940 600 SH Call SOLE 0 0 0 600
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   227,240 1,400 SH Call SOLE 0 0 0 1,400
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   229,625 1,500 SH Call SOLE 0 0 0 1,500
BEST BUY INC COM 086516101   439,229 5,611 SH   SOLE 0 0 0 5,611
BIOGEN INC COM 09062X103   212,191 820 SH   SOLE 0 0 0 820
BLACKROCK INC COM 09247X101   267,894 330 SH   SOLE 0 0 0 330
BLACKSTONE INC COM 09260D107   1,086,995 8,303 SH   SOLE 0 0 0 8,303
BLOCK INC CL A 852234103   228,105 2,949 SH   SOLE 0 0 0 2,949
BOEING CO COM 097023105   384,995 1,477 SH   SOLE 0 0 0 1,477
BOOKING HOLDINGS INC COM 09857L108   308,608 87 SH   SOLE 0 0 0 87
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   237,657 1,858 SH   SOLE 0 0 0 1,858
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   263,434 8,994 SH   SOLE 0 0 0 8,994
BROADCOM INC COM 11135F101   544,730 488 SH   SOLE 0 0 0 488
BUILDERS FIRSTSOURCE INC COM 12008R107   882,612 5,287 SH   SOLE 0 0 0 5,287
CADENCE DESIGN SYSTEM INC COM 127387108   833,997 3,062 SH   SOLE 0 0 0 3,062
CANADIAN NATL RY CO COM 136375102   932,803 7,425 SH   SOLE 0 0 0 7,425
CAPITAL ONE FINL CORP COM 14040H105   353,893 2,699 SH   SOLE 0 0 0 2,699
CARDINAL HEALTH INC COM 14149Y108   438,077 4,346 SH   SOLE 0 0 0 4,346
CATERPILLAR INC COM 149123101   276,650 936 SH   SOLE 0 0 0 936
CDW CORP COM 12514G108   531,929 2,340 SH   SOLE 0 0 0 2,340
CELESTICA INC SUB VTG SHS 15101Q108   325,945 11,132 SH   SOLE 0 0 0 11,132
CEMEX SAB DE CV SPON ADR NEW 151290889   96,395 12,438 SH   SOLE 0 0 0 12,438
CENCORA INC COM 03073E105   266,994 1,300 SH   SOLE 0 0 0 1,300
CF INDS HLDGS INC COM 125269100   233,333 2,935 SH   SOLE 0 0 0 2,935
CGI INC CL A SUB VTG 12532H104   719,165 6,708 SH   SOLE 0 0 0 6,708
CHECK POINT SOFTWARE TECH LT ORD M22465104   233,616 1,529 SH   SOLE 0 0 0 1,529
CHEVRON CORP NEW COM 166764100   394,067 2,642 SH   SOLE 0 0 0 2,642
CHUNGHWA TELECOM CO LTD SPON ADR NEW11 17133Q502   830,081 21,246 SH   SOLE 0 0 0 21,246
CHURCH & DWIGHT CO INC COM 171340102   352,898 3,732 SH   SOLE 0 0 0 3,732
CISCO SYS INC COM 17275R102   1,586,985 31,413 SH   SOLE 0 0 0 31,413
CITIGROUP INC COM NEW 172967424   364,452 7,085 SH   SOLE 0 0 0 7,085
COCA COLA CO COM 191216100   251,845 4,274 SH   SOLE 0 0 0 4,274
COCA-COLA FEMSA SAB DE CV SPONSORD ADR REP 191241108   384,712 4,065 SH   SOLE 0 0 0 4,065
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102   305,821 4,049 SH   SOLE 0 0 0 4,049
COLGATE PALMOLIVE CO COM 194162103   483,441 6,065 SH   SOLE 0 0 0 6,065
COMCAST CORP NEW CL A 20030N101   371,903 8,481 SH   SOLE 0 0 0 8,481
CONOCOPHILLIPS COM 20825C104   266,497 2,296 SH   SOLE 0 0 0 2,296
COSTCO WHSL CORP NEW COM 22160K105   1,684,524 2,552 SH   SOLE 0 0 0 2,552
COTERRA ENERGY INC COM 127097103   294,935 11,557 SH   SOLE 0 0 0 11,557
CRH PLC ORD G25508105   704,256 10,183 SH   SOLE 0 0 0 10,183
DEERE & CO COM 244199105   238,530 597 SH   SOLE 0 0 0 597
DELL TECHNOLOGIES INC CL C 24703L202   323,978 4,235 SH   SOLE 0 0 0 4,235
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   203,028 5,455 SH   SOLE 0 0 0 5,455
DISNEY WALT CO COM 254687106   252,166 2,793 SH   SOLE 0 0 0 2,793
DOUBLELINE ETF TRUST COMMERCIAL REAL 25861R303   4,607,905 90,543 SH   SOLE 0 0 0 90,543
EA SERIES TRUST FREEDOM 100 EM 02072L607   14,753,300 448,429 SH   SOLE 0 0 0 448,429
EA SERIES TRUST INTL QUAN MOMNTM 02072L300   2,621,693 99,420 SH   SOLE 0 0 0 99,420
EA SERIES TRUST US QUAN MOMENTUM 02072L409   4,699,570 94,262 SH   SOLE 0 0 0 94,262
EA SERIES TRUST US QUAN VALUE 02072L102   5,755,972 142,158 SH   SOLE 0 0 0 142,158
EA SERIES TRUST INTL QUAN VALUE 02072L201   2,969,451 118,565 SH   SOLE 0 0 0 118,565
EATON CORP PLC SHS G29183103   232,632 966 SH   SOLE 0 0 0 966
ELI LILLY & CO COM 532457108   2,839,403 4,871 SH   SOLE 0 0 0 4,871
EQUITABLE HLDGS INC COM 29452E101   256,377 7,699 SH   SOLE 0 0 0 7,699
ESSENTIAL UTILS INC COM 29670G102   756,225 20,247 SH   SOLE 0 0 0 20,247
EXPEDIA GROUP INC COM NEW 30212P303   274,133 1,806 SH   SOLE 0 0 0 1,806
EXPEDITORS INTL WASH INC COM 302130109   355,142 2,792 SH   SOLE 0 0 0 2,792
EXXON MOBIL CORP COM 30231G102   2,464,485 24,650 SH   SOLE 0 0 0 24,650
FAIR ISAAC CORP COM 303250104   804,331 691 SH   SOLE 0 0 0 691
FASTENAL CO COM 311900104   364,914 5,634 SH   SOLE 0 0 0 5,634
FERROGLOBE PLC SHS G33856108   207,728 31,909 SH   SOLE 0 0 0 31,909
FINVOLUTION GROUP SPONSORED ADS 31810T101   134,843 27,519 SH   SOLE 0 0 0 27,519
FOX CORP CL A COM 35137L105   213,179 7,185 SH   SOLE 0 0 0 7,185
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   680,893 120,087 SH   SOLE 0 0 0 120,087
FS KKR CAP CORP COM 302635206   1,078,420 54,002 SH   SOLE 0 0 0 54,002
GENERAL DYNAMICS CORP COM 369550108   757,937 2,919 SH   SOLE 0 0 0 2,919
GENERAL ELECTRIC CO COM NEW 369604301   425,106 3,331 SH   SOLE 0 0 0 3,331
GENERAL MLS INC COM 370334104   375,076 5,758 SH   SOLE 0 0 0 5,758
GERDAU SA SPON ADR REP PFD 373737105   357,838 73,781 SH   SOLE 0 0 0 73,781
GILEAD SCIENCES INC COM 375558103   202,849 2,504 SH   SOLE 0 0 0 2,504
GLOBAL PMTS INC COM 37940X102   202,438 1,594 SH   SOLE 0 0 0 1,594
GLOBE LIFE INC COM 37959E102   259,507 2,132 SH   SOLE 0 0 0 2,132
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   2,098,976 64,267 SH   SOLE 0 0 0 64,267
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   4,294,917 45,783 SH   SOLE 0 0 0 45,783
GOLDMAN SACHS GROUP INC COM 38141G104   421,647 1,093 SH   SOLE 0 0 0 1,093
GRAINGER W W INC COM 384802104   483,955 584 SH   SOLE 0 0 0 584
HARTFORD FINL SVCS GROUP INC COM 416515104   436,303 5,428 SH   SOLE 0 0 0 5,428
HELLO GROUP INC ADS 423403104   83,963 12,081 SH   SOLE 0 0 0 12,081
HEWLETT PACKARD ENTERPRISE C COM 42824C109   170,106 10,018 SH   SOLE 0 0 0 10,018
HOME DEPOT INC COM 437076102   1,863,108 5,376 SH   SOLE 0 0 0 5,376
HONDA MOTOR LTD ADR ECH CNV IN 3 438128308   420,376 13,600 SH   SOLE 0 0 0 13,600
HONEYWELL INTL INC COM 438516106   1,418,059 6,762 SH   SOLE 0 0 0 6,762
HOST HOTELS & RESORTS INC COM 44107P104   260,061 13,357 SH   SOLE 0 0 0 13,357
HP INC COM 40434L105   315,975 10,501 SH   SOLE 0 0 0 10,501
HUMANA INC COM 444859102   208,761 456 SH   SOLE 0 0 0 456
ILLINOIS TOOL WKS INC COM 452308109   879,595 3,358 SH   SOLE 0 0 0 3,358
INFOSYS LTD SPONSORED ADR 456788108   563,035 30,633 SH   SOLE 0 0 0 30,633
INNOVATOR ETFS TR US EQTY PWR BUF 45782C508   952,487 25,577 SH   SOLE 0 0 0 25,577
INNOVATOR ETFS TR US EQTY BUFR JAN 45782C409   981,085 24,013 SH   SOLE 0 0 0 24,013
INNOVATOR ETFS TR US EQTY BUF SEP 45782C664   306,571 8,358 SH   SOLE 0 0 0 8,358
INNOVATOR ETFS TR US EQTY BUF DEC 45782C557   291,733 7,627 SH   SOLE 0 0 0 7,627
INNOVATOR ETFS TR INTRNL DEV JAN 45782C524   259,563 8,538 SH   SOLE 0 0 0 8,538
INNOVATOR ETFS TR US EQTY BUFR MAY 45782C326   363,553 10,736 SH   SOLE 0 0 0 10,736
INNOVATOR ETFS TR US EQTY BUFR JUL 45782C789   459,613 12,214 SH   SOLE 0 0 0 12,214
INNOVATOR ETFS TR LADDERED ALC BFR 45783Y756   2,812,297 101,317 SH   SOLE 0 0 0 101,317
INTEL CORP COM 458140100   621,670 12,372 SH   SOLE 0 0 0 12,372
INTERNATIONAL BUSINESS MACHS COM 459200101   221,574 1,355 SH   SOLE 0 0 0 1,355
INTUIT COM 461202103   214,385 343 SH   SOLE 0 0 0 343
INVESCO CURRENCYSHARES EURO EURO SHS 46138K103   1,133,562 11,109 SH   SOLE 0 0 0 11,109
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743   1,171,338 24,715 SH   SOLE 0 0 0 24,715
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727   2,422,014 126,807 SH   SOLE 0 0 0 126,807
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   456,960 14,000 SH   SOLE 0 0 0 14,000
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597   495,655 13,221 SH   SOLE 0 0 0 13,221
ISHARES INC CORE MSCI EMKT 46434G103   353,121 6,981 SH   SOLE 0 0 0 6,981
ISHARES TR CORE MSCI EAFE 46432F842   285,455 4,058 SH   SOLE 0 0 0 4,058
ISHARES TR MSCI USA VALUE 46432F388   39,403,318 389,515 SH   SOLE 0 0 0 389,515
ISHARES TR MSCI USA MMENTM 46432F396   27,103,524 172,755 SH   SOLE 0 0 0 172,755
ISHARES TR MSCI INTL MOMENT 46434V449   11,319,323 330,106 SH   SOLE 0 0 0 330,106
ISHARES TR MSCI INTL QUALTY 46434V456   13,258,526 352,996 SH   SOLE 0 0 0 352,996
ISHARES TR MSCI INTL VLU FT 46435G409   17,460,690 658,645 SH   SOLE 0 0 0 658,645
ISHARES TR MSCI USA QLT FCT 46432F339   30,305,624 205,965 SH   SOLE 0 0 0 205,965
ISHARES TR IBONDS DEC25 ETF 46434VBD1   23,249,170 938,981 SH   SOLE 0 0 0 938,981
ISHARES TR IBONDS DEC24 ETF 46434VBG4   23,043,818 925,083 SH   SOLE 0 0 0 925,083
ISHARES TR IBDS DEC28 ETF 46435U515   20,763,330 827,554 SH   SOLE 0 0 0 827,554
ISHARES TR IBONDS DEC2026 46435GAA0   20,473,194 856,619 SH   SOLE 0 0 0 856,619
ISHARES TR IBONDS DEC 25 46435U432   15,423,681 581,039 SH   SOLE 0 0 0 581,039
ISHARES TR IBONDS DEC 28 46435U325   15,683,139 612,862 SH   SOLE 0 0 0 612,862
ISHARES TR IBONDS 27 ETF 46435UAA9   20,683,393 864,329 SH   SOLE 0 0 0 864,329
ISHARES TR IBONDS DEC 46435U697   15,369,463 592,729 SH   SOLE 0 0 0 592,729
ISHARES TR IBONDS DEC 26 46435U259   15,529,898 608,753 SH   SOLE 0 0 0 608,753
ISHARES TR IBONDS DEC 27 46435U283   15,635,766 615,218 SH   SOLE 0 0 0 615,218
ISHARES TR MSCI USA MIN VOL 46429B697   898,941 11,520 SH   SOLE 0 0 0 11,520
ISHARES TR MSCI EAFE MIN VL 46429B689   246,815 3,559 SH   SOLE 0 0 0 3,559
ISHARES TR EAFE VALUE ETF 464288877   6,372,507 122,313 SH   SOLE 0 0 0 122,313
ISHARES TR EAFE GRWTH ETF 464288885   5,588,729 57,705 SH   SOLE 0 0 0 57,705
ISHARES TR CORE S&P SCP ETF 464287804   294,224 2,718 SH   SOLE 0 0 0 2,718
ISHARES TR CORE S&P500 ETF 464287200   229,740 481 SH   SOLE 0 0 0 481
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   1,160,118 23,207 SH   SOLE 0 0 0 23,207
J & J SNACK FOODS CORP COM 466032109   827,343 4,950 SH   SOLE 0 0 0 4,950
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209   459,656 8,462 SH   SOLE 0 0 0 8,462
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   28,691,732 521,858 SH   SOLE 0 0 0 521,858
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   275,612 5,487 SH   SOLE 0 0 0 5,487
J P MORGAN EXCHANGE TRADED F JPMORGAN DIVER 46641Q407   287,315 2,797 SH   SOLE 0 0 0 2,797
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   5,179,922 102,088 SH   SOLE 0 0 0 102,088
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   2,863,751 59,836 SH   SOLE 0 0 0 59,836
J P MORGAN EXCHANGE TRADED F US MOMENTUM 46641Q779   2,979,952 65,192 SH   SOLE 0 0 0 65,192
J P MORGAN EXCHANGE TRADED F US VALUE FACTR 46641Q753   4,292,295 111,257 SH   SOLE 0 0 0 111,257
JABIL INC COM 466313103   553,171 4,342 SH   SOLE 0 0 0 4,342
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   4,593,748 91,327 SH   SOLE 0 0 0 91,327
JOHN HANCOCK EXCHANGE TRADED MLTFCTR LRG CAP 47804J107   424,197 7,213 SH   SOLE 0 0 0 7,213
JOHNSON & JOHNSON COM 478160104   1,975,889 12,606 SH   SOLE 0 0 0 12,606
JPMORGAN CHASE & CO COM 46625H100   864,888 5,085 SH   SOLE 0 0 0 5,085
KIMBERLY-CLARK CORP COM 494368103   594,791 4,895 SH   SOLE 0 0 0 4,895
KLA CORP COM NEW 482480100   458,064 788 SH   SOLE 0 0 0 788
KROGER CO COM 501044101   518,031 11,333 SH   SOLE 0 0 0 11,333
LEIDOS HOLDINGS INC COM 525327102   252,957 2,337 SH   SOLE 0 0 0 2,337
LENNAR CORP CL A 526057104   351,883 2,361 SH   SOLE 0 0 0 2,361
LENNOX INTL INC COM 526107107   362,939 811 SH   SOLE 0 0 0 811
LEXINFINTECH HLDGS LTD ADR 528877103   39,842 21,653 SH   SOLE 0 0 0 21,653
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   83,989 35,142 SH   SOLE 0 0 0 35,142
LOCKHEED MARTIN CORP COM 539830109   1,001,207 2,209 SH   SOLE 0 0 0 2,209
LOWES COS INC COM 548661107   308,009 1,384 SH   SOLE 0 0 0 1,384
MANHATTAN ASSOCIATES INC COM 562750109   206,061 957 SH   SOLE 0 0 0 957
MARATHON PETE CORP COM 56585A102   687,055 4,631 SH   SOLE 0 0 0 4,631
MARRIOTT INTL INC NEW CL A 571903202   802,139 3,557 SH   SOLE 0 0 0 3,557
MARSH & MCLENNAN COS INC COM 571748102   742,343 3,918 SH   SOLE 0 0 0 3,918
MCKESSON CORP COM 58155Q103   1,066,243 2,303 SH   SOLE 0 0 0 2,303
MERCK & CO INC COM 58933Y105   2,130,796 19,545 SH   SOLE 0 0 0 19,545
META PLATFORMS INC CL A 30303M102   856,422 2,420 SH   SOLE 0 0 0 2,420
MICRON TECHNOLOGY INC COM 595112103   233,320 2,734 SH   SOLE 0 0 0 2,734
MICROSOFT CORP COM 594918104   5,826,601 15,495 SH   SOLE 0 0 0 15,495
MID-AMER APT CMNTYS INC COM 59522J103   323,337 2,405 SH   SOLE 0 0 0 2,405
MONDELEZ INTL INC CL A 609207105   957,235 13,216 SH   SOLE 0 0 0 13,216
MOODYS CORP COM 615369105   215,589 552 SH   SOLE 0 0 0 552
MSCI INC COM 55354G100   227,391 402 SH   SOLE 0 0 0 402
NATWEST GROUP PLC SPONS ADR 639057207   101,723 18,068 SH   SOLE 0 0 0 18,068
NIKE INC CL B 654106103   350,713 3,230 SH   SOLE 0 0 0 3,230
NORFOLK SOUTHN CORP COM 655844108   205,731 870 SH   SOLE 0 0 0 870
NOVARTIS AG SPONSORED ADR 66987V109   1,127,633 11,168 SH   SOLE 0 0 0 11,168
NOVO-NORDISK A S ADR 670100205   1,883,204 18,204 SH   SOLE 0 0 0 18,204
NVIDIA CORPORATION COM 67066G104   1,354,012 2,734 SH   SOLE 0 0 0 2,734
NVR INC COM 62944T105   308,020 44 SH   SOLE 0 0 0 44
ONEOK INC NEW COM 682680103   249,365 3,551 SH   SOLE 0 0 0 3,551
OPENLANE INC COM 48238T109   568,704 38,400 SH   SOLE 0 0 0 38,400
ORACLE CORP COM 68389X105   1,187,266 11,261 SH   SOLE 0 0 0 11,261
ORANGE SPONSORED ADR 684060106   314,428 27,509 SH   SOLE 0 0 0 27,509
OREILLY AUTOMOTIVE INC COM 67103H107   857,922 903 SH   SOLE 0 0 0 903
ORIX CORP SPONSORED ADR 686330101   384,580 4,118 SH   SOLE 0 0 0 4,118
P T TELEKOMUNIKASI INDONESIA SPONSORED ADR 715684106   621,202 24,115 SH   SOLE 0 0 0 24,115
PACER FDS TR TRENDPILOT INTL 69374H683   929,681 33,733 SH   SOLE 0 0 0 33,733
PACER FDS TR TRENDP US LAR CP 69374H105   1,906,303 44,056 SH   SOLE 0 0 0 44,056
PALO ALTO NETWORKS INC COM 697435105   257,135 872 SH   SOLE 0 0 0 872
PAYCHEX INC COM 704326107   294,321 2,471 SH   SOLE 0 0 0 2,471
PAYCOM SOFTWARE INC COM 70432V102   249,304 1,206 SH   SOLE 0 0 0 1,206
PEPSICO INC COM 713448108   1,559,301 9,181 SH   SOLE 0 0 0 9,181
PETROLEO BRASILEIRO SA PETRO SPONSORED ADR 71654V408   247,503 15,498 SH   SOLE 0 0 0 15,498
PHILIP MORRIS INTL INC COM 718172109   525,719 5,588 SH   SOLE 0 0 0 5,588
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   13,345,605 133,737 SH   SOLE 0 0 0 133,737
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   581,353 6,135 SH   SOLE 0 0 0 6,135
PNC FINL SVCS GROUP INC COM 693475105   657,803 4,248 SH   SOLE 0 0 0 4,248
PROCTER AND GAMBLE CO COM 742718109   1,536,472 10,485 SH   SOLE 0 0 0 10,485
PROSPECT CAP CORP COM 74348T102   347,222 57,967 SH   SOLE 0 0 0 57,967
PULTE GROUP INC COM 745867101   282,513 2,737 SH   SOLE 0 0 0 2,737
RELIANCE STEEL & ALUMINUM CO COM 759509102   240,245 859 SH   SOLE 0 0 0 859
RELX PLC SPONSORED ADR 759530108   1,283,953 32,374 SH   SOLE 0 0 0 32,374
REPUBLIC SVCS INC COM 760759100   472,632 2,866 SH   SOLE 0 0 0 2,866
RIBBON COMMUNICATIONS INC COM 762544104   29,000 10,000 SH   SOLE 0 0 0 10,000
ROYAL BK CDA COM 780087102   285,288 2,821 SH   SOLE 0 0 0 2,821
RTX CORPORATION COM 75513E101   263,106 3,127 SH   SOLE 0 0 0 3,127
S&P GLOBAL INC COM 78409V104   405,719 921 SH   SOLE 0 0 0 921
SAP SE SPON ADR 803054204   425,586 2,753 SH   SOLE 0 0 0 2,753
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   7,083,527 191,654 SH   SOLE 0 0 0 191,654
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,616,904 46,399 SH   SOLE 0 0 0 46,399
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   238,609 5,051 SH   SOLE 0 0 0 5,051
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   832,254 10,032 SH   SOLE 0 0 0 10,032
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   490,932 7,003 SH   SOLE 0 0 0 7,003
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,599,347 104,855 SH   SOLE 0 0 0 104,855
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   391,460 5,142 SH   SOLE 0 0 0 5,142
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   16,178,916 292,302 SH   SOLE 0 0 0 292,302
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   7,521,968 277,154 SH   SOLE 0 0 0 277,154
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   1,372,324 40,686 SH   SOLE 0 0 0 40,686
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103   212,401 2,488 SH   SOLE 0 0 0 2,488
SHELL PLC SPON ADS 780259305   214,771 3,264 SH   SOLE 0 0 0 3,264
SHOPIFY INC CL A 82509L107   217,341 2,790 SH   SOLE 0 0 0 2,790
SIMPLIFY EXCHANGE TRADED FUN US EQT PLS DWNSD 82889N202   234,622 8,165 SH   SOLE 0 0 0 8,165
SPDR S&P 500 ETF TR TR UNIT 78462F103   214,856 452 SH   SOLE 0 0 0 452
SPDR SER TR S&P DIVID ETF 78464A763   211,074 1,689 SH   SOLE 0 0 0 1,689
STARBUCKS CORP COM 855244109   230,576 2,402 SH   SOLE 0 0 0 2,402
STATE STR CORP COM 857477103   205,424 2,652 SH   SOLE 0 0 0 2,652
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   750,672 7,218 SH   SOLE 0 0 0 7,218
TELEFONICA BRASIL SA NEW ADR 87936R205   263,523 24,088 SH   SOLE 0 0 0 24,088
TELEFONICA S A SPONSORED ADR 879382208   59,865 15,350 SH   SOLE 0 0 0 15,350
TESLA INC COM 88160R101   267,958 1,078 SH   SOLE 0 0 0 1,078
THE CIGNA GROUP COM 125523100   362,634 1,211 SH   SOLE 0 0 0 1,211
THE LION ELECTRIC COMPANY COMMON STOCK 536221104   4 36,400 SH Call SOLE 0 0 0 36,400
TRAVELERS COMPANIES INC COM 89417E109   593,948 3,118 SH   SOLE 0 0 0 3,118
TURKCELL ILETISIM HIZMETLERI SPON ADR NEW 900111204   119,841 24,915 SH   SOLE 0 0 0 24,915
UBS GROUP AG SHS H42097107   1,029,155 33,306 SH   SOLE 0 0 0 33,306
UNION PAC CORP COM 907818108   1,158,835 4,718 SH   SOLE 0 0 0 4,718
UNITED PARCEL SERVICE INC CL B 911312106   252,669 1,607 SH   SOLE 0 0 0 1,607
UNITEDHEALTH GROUP INC COM 91324P102   2,345,950 4,456 SH   SOLE 0 0 0 4,456
US BANCORP DEL COM NEW 902973304   315,857 7,298 SH   SOLE 0 0 0 7,298
VALE S A SPONSORED ADS 91912E105   163,374 10,301 SH   SOLE 0 0 0 10,301
VALERO ENERGY CORP COM 91913Y100   298,740 2,298 SH   SOLE 0 0 0 2,298
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   6,280,499 127,033 SH   SOLE 0 0 0 127,033
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,390,623 14,293 SH   SOLE 0 0 0 14,293
VANGUARD INDEX FDS LARGE CAP ETF 922908637   30,299,380 138,892 SH   SOLE 0 0 0 138,892
VANGUARD INDEX FDS SMALL CP ETF 922908751   8,179,362 38,341 SH   SOLE 0 0 0 38,341
VANGUARD INDEX FDS VALUE ETF 922908744   7,513,766 50,259 SH   SOLE 0 0 0 50,259
VANGUARD INDEX FDS SM CP VAL ETF 922908611   917,422 5,098 SH   SOLE 0 0 0 5,098
VANGUARD INDEX FDS GROWTH ETF 922908736   7,632,299 24,551 SH   SOLE 0 0 0 24,551
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   898,606 2,057 SH   SOLE 0 0 0 2,057
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   214,230 3,816 SH   SOLE 0 0 0 3,816
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   15,772,322 383,755 SH   SOLE 0 0 0 383,755
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   317,285 1,862 SH   SOLE 0 0 0 1,862
VANGUARD STAR FDS VG TL INTL STK F 921909768   540,457 9,325 SH   SOLE 0 0 0 9,325
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   33,396,624 697,216 SH   SOLE 0 0 0 697,216
VANGUARD WELLINGTON FD US MOMENTUM 921935508   318,644 2,427 SH   SOLE 0 0 0 2,427
VANGUARD WELLINGTON FD US VALUE FACTR 921935805   463,186 4,111 SH   SOLE 0 0 0 4,111
VANGUARD WELLINGTON FD US QUALITY 921935706   317,060 2,507 SH   SOLE 0 0 0 2,507
VERISK ANALYTICS INC COM 92345Y106   525,731 2,201 SH   SOLE 0 0 0 2,201
VERIZON COMMUNICATIONS INC COM 92343V104   1,428,491 37,891 SH   SOLE 0 0 0 37,891
VERTEX PHARMACEUTICALS INC COM 92532F100   213,617 525 SH   SOLE 0 0 0 525
VIATRIS INC COM 92556V106   314,828 29,070 SH   SOLE 0 0 0 29,070
VIPSHOP HLDGS LTD SPONSORED ADS A 92763W103   431,817 24,314 SH   SOLE 0 0 0 24,314
VISA INC COM CL A 92826C839   2,345,303 9,008 SH   SOLE 0 0 0 9,008
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   230,907 26,541 SH   SOLE 0 0 0 26,541
WALKER & DUNLOP INC COM 93148P102   17,945,766 161,659 SH   SOLE 0 0 0 161,659
WALMART INC COM 931142103   1,753,147 11,120 SH   SOLE 0 0 0 11,120
WASTE MGMT INC DEL COM 94106L109   942,597 5,263 SH   SOLE 0 0 0 5,263
WELLS FARGO CO NEW COM 949746101   373,661 7,592 SH   SOLE 0 0 0 7,592
WISDOMTREE TR INTL QULTY DIV 97717X131   4,346,162 119,828 SH   SOLE 0 0 0 119,828
WP CAREY INC COM 92936U109   318,023 4,907 SH   SOLE 0 0 0 4,907
YUM BRANDS INC COM 988498101   235,319 1,801 SH   SOLE 0 0 0 1,801
ZOETIS INC CL A 98978V103   841,783 4,265 SH   SOLE 0 0 0 4,265