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
ABBOTT LABS COM 002824100   305,177 2,685 SH   SOLE   0 0 2,685
ABBVIE INC COM 00287Y109   1,173,088 6,442 SH   SOLE   0 0 6,442
ABM INDS INC COM 000957100   321,978 7,216 SH   SOLE   0 0 7,216
ABRDN GLOBAL DYNAMIC DIVIDEN COM 00302M106   97,100 10,000 SH   SOLE   0 0 10,000
ADVANCED MICRO DEVICES INC COM 007903107   335,170 1,857 SH   SOLE   0 0 1,857
AFLAC INC COM 001055102   508,119 5,918 SH   SOLE   0 0 5,918
AGNC INVT CORP COM 00123Q104   103,472 10,452 SH   SOLE   0 0 10,452
ALPHABET INC CAP STK CL C 02079K107   4,194,763 27,550 SH   SOLE   0 0 27,550
ALPHABET INC CAP STK CL A 02079K305   3,170,285 21,005 SH   SOLE   0 0 21,005
ALTRIA GROUP INC COM 02209S103   462,808 10,610 SH   SOLE   0 0 10,610
AMARIN CORP PLC SPONS ADR NEW 023111206   11,580 13,000 SH   SOLE   0 0 13,000
AMAZON COM INC COM 023135106   5,814,730 32,236 SH   SOLE   0 0 32,236
AMER STATES WTR CO COM 029899101   2,882,062 39,896 SH   SOLE   0 0 39,896
AMEREN CORP COM 023608102   303,236 4,100 SH   SOLE   0 0 4,100
AMERICAN CENTY ETF TR FOCUSED LRG CAP 025072794   2,569,486 39,551 SH   SOLE   0 0 39,551
AMGEN INC COM 031162100   220,632 776 SH   SOLE   0 0 776
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839   238,407 12,108 SH   SOLE   0 0 12,108
APPLE INC COM 037833100   16,480,759 96,109 SH   SOLE   0 0 96,109
APPLOVIN CORP COM CL A 03831W108   223,511 3,229 SH   SOLE   0 0 3,229
ARCHER AVIATION INC COM CL A 03945R102   92,400 20,000 SH   SOLE   0 0 20,000
ARISTA NETWORKS INC COM 040413106   487,746 1,682 SH   SOLE   0 0 1,682
ARK ETF TR INNOVATION ETF 00214Q104   5,464,028 109,106 SH   SOLE   0 0 109,106
ARK ETF TR GENOMIC REV ETF 00214Q302   230,914 8,029 SH   SOLE   0 0 8,029
AT&T INC COM 00206R102   645,146 36,656 SH   SOLE   0 0 36,656
AXCELIS TECHNOLOGIES INC COM NEW 054540208   563,399 5,052 SH   SOLE   0 0 5,052
BANK AMERICA CORP COM 060505104   1,558,360 41,096 SH   SOLE   0 0 41,096
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,280,480 5,423 SH   SOLE   0 0 5,423
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   8,031,028 180,879 SH   SOLE   0 0 180,879
BOYD GAMING CORP COM 103304101   379,012 5,630 SH   SOLE   0 0 5,630
BROADCOM INC COM 11135F101   1,415,538 1,068 SH   SOLE   0 0 1,068
CATERPILLAR INC COM 149123101   395,475 1,079 SH   SOLE   0 0 1,079
CHERRY HILL MTG INVT CORP COM 164651101   38,940 11,000 SH   SOLE   0 0 11,000
CHEVRON CORP NEW COM 166764100   830,501 5,265 SH   SOLE   0 0 5,265
CIA ENERGETICA DE MINAS GERA SP ADR N-V PFD 204409601   318,082 128,778 SH   SOLE   0 0 128,778
CIENA CORP COM NEW 171779309   690,915 13,972 SH   SOLE   0 0 13,972
CISCO SYS INC COM 17275R102   816,428 16,358 SH   SOLE   0 0 16,358
COCA COLA CO COM 191216100   794,503 12,986 SH   SOLE   0 0 12,986
COMCAST CORP NEW CL A 20030N101   450,060 10,382 SH   SOLE   0 0 10,382
COMERICA INC COM 200340107   853,962 15,529 SH   SOLE   0 0 15,529
COMFORT SYS USA INC COM 199908104   526,445 1,657 SH   SOLE   0 0 1,657
COMMERCIAL METALS CO COM 201723103   419,677 7,141 SH   SOLE   0 0 7,141
CONIFER HLDGS INC COM 20731J102   18,608 16,469 SH   SOLE   0 0 16,469
CONSOLIDATED EDISON INC COM 209115104   340,778 3,753 SH   SOLE   0 0 3,753
COSTCO WHSL CORP NEW COM 22160K105   677,683 925 SH   SOLE   0 0 925
CRANE COMPANY COMMON STOCK 224408104   202,695 1,500 SH   SOLE   0 0 1,500
CROWDSTRIKE HLDGS INC CL A 22788C105   263,846 823 SH   SOLE   0 0 823
CSX CORP COM 126408103   1,097,272 29,600 SH   SOLE   0 0 29,600
CUMMINS INC COM 231021106   441,975 1,500 SH   SOLE   0 0 1,500
CVS HEALTH CORP COM 126650100   294,474 3,692 SH   SOLE   0 0 3,692
D R HORTON INC COM 23331A109   347,530 2,112 SH   SOLE   0 0 2,112
DEVON ENERGY CORP NEW COM 25179M103   303,438 6,047 SH   SOLE   0 0 6,047
DISNEY WALT CO COM 254687106   676,291 5,527 SH   SOLE   0 0 5,527
DONALDSON INC COM 257651109   340,615 4,561 SH   SOLE   0 0 4,561
DOUBLELINE OPPORTUNISTIC CR COM 258623107   155,555 10,088 SH   SOLE   0 0 10,088
DTE ENERGY CO COM 233331107   236,728 2,111 SH   SOLE   0 0 2,111
DUOLINGO INC CL A COM 26603R106   441,160 2,000 SH   SOLE   0 0 2,000
ELEVANCE HEALTH INC COM 036752103   319,421 616 SH   SOLE   0 0 616
ELI LILLY & CO COM 532457108   17,546,966 22,555 SH   SOLE   0 0 22,555
EMCOR GROUP INC COM 29084Q100   346,698 990 SH   SOLE   0 0 990
EMERSON ELEC CO COM 291011104   2,931,964 25,851 SH   SOLE   0 0 25,851
ENCORE WIRE CORP COM 292562105   347,395 1,322 SH   SOLE   0 0 1,322
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   245,231 15,590 SH   SOLE   0 0 15,590
ENTERPRISE PRODS PARTNERS L COM 293792107   369,944 12,678 SH   SOLE   0 0 12,678
EVOLV TECHNOLOGIES HLDNGS IN COM CL A 30049H102   76,028 17,085 SH   SOLE   0 0 17,085
EXPEDITORS INTL WASH INC COM 302130109   307,451 2,529 SH   SOLE   0 0 2,529
EXXON MOBIL CORP COM 30231G102   408,860 3,517 SH   SOLE   0 0 3,517
F5 INC COM 315616102   356,619 1,881 SH   SOLE   0 0 1,881
FIFTH THIRD BANCORP COM 316773100   297,680 8,000 SH   SOLE   0 0 8,000
FIRST TR EXCHANGE-TRADED FD RISNG DIVD ACHIV 33738R506   212,491 3,783 SH   SOLE   0 0 3,783
FIRST TR EXCHANGE-TRADED FD DORSEY WRT 5 ETF 33738R605   6,838,127 119,485 SH   SOLE   0 0 119,485
FIRST TR EXCHANGE-TRADED FD SSI STRG ETF 33739Q507   421,557 12,366 SH   SOLE   0 0 12,366
FISERV INC COM 337738108   515,260 3,224 SH   SOLE   0 0 3,224
FORD MTR CO DEL COM 345370860   957,185 72,077 SH   SOLE   0 0 72,077
FRANKLIN ELEC INC COM 353514102   312,953 2,930 SH   SOLE   0 0 2,930
GARMIN LTD SHS H2906T109   426,364 2,864 SH   SOLE   0 0 2,864
GENERAL MTRS CO COM 37045V100   395,749 8,727 SH   SOLE   0 0 8,727
GENUINE PARTS CO COM 372460105   360,212 2,325 SH   SOLE   0 0 2,325
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   4,103,303 39,535 SH   SOLE   0 0 39,535
GOLDMAN SACHS ETF TR HEDGE IND ETF 381430545   1,596,199 14,608 SH   SOLE   0 0 14,608
GREIF INC CL A 397624107   337,309 4,885 SH   SOLE   0 0 4,885
GRITSTONE BIO INC COM 39868T105   80,546 31,341 SH   SOLE   0 0 31,341
HONEYWELL INTL INC COM 438516106   612,320 2,983 SH   SOLE   0 0 2,983
HUNTINGTON BANCSHARES INC COM 446150104   303,413 21,750 SH   SOLE   0 0 21,750
IDEXX LABS INC COM 45168D104   937,318 1,736 SH   SOLE   0 0 1,736
ILLUMINA INC COM 452327109   212,434 1,547 SH   SOLE   0 0 1,547
INTEL CORP COM 458140100   393,290 8,904 SH   SOLE   0 0 8,904
INTERNATIONAL BUSINESS MACHS COM 459200101   2,659,595 13,927 SH   SOLE   0 0 13,927
INVENTRUST PPTYS CORP COM NEW 46124J201   245,325 9,542 SH   SOLE   0 0 9,542
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   154,202 12,980 SH   SOLE   0 0 12,980
INVESCO QQQ TR UNIT SER 1 46090E103   4,067,081 9,160 SH   SOLE   0 0 9,160
ISHARES TR S&P 100 ETF 464287101   525,754 2,125 SH   SOLE   0 0 2,125
ISHARES TR CORE S&P TTL STK 464287150   244,013 2,116 SH   SOLE   0 0 2,116
ISHARES TR SELECT DIVID ETF 464287168   486,673 3,951 SH   SOLE   0 0 3,951
ISHARES TR CORE S&P500 ETF 464287200   1,287,112 2,448 SH   SOLE   0 0 2,448
ISHARES TR S&P 500 GRWT ETF 464287309   258,724 3,064 SH   SOLE   0 0 3,064
ISHARES TR 20 YR TR BD ETF 464287432   299,378 3,164 SH   SOLE   0 0 3,164
ISHARES TR 7-10 YR TRSY BD 464287440   7,123,922 75,258 SH   SOLE   0 0 75,258
ISHARES TR 1 3 YR TREAS BD 464287457   711,322 8,698 SH   SOLE   0 0 8,698
ISHARES TR MSCI EAFE ETF 464287465   543,367 6,804 SH   SOLE   0 0 6,804
ISHARES TR RUS MDCP VAL ETF 464287473   310,818 2,480 SH   SOLE   0 0 2,480
ISHARES TR RUS MD CP GR ETF 464287481   414,671 3,633 SH   SOLE   0 0 3,633
ISHARES TR CORE S&P MCP ETF 464287507   323,441 5,325 SH   SOLE   0 0 5,325
ISHARES TR RUS 1000 ETF 464287622   527,383 1,831 SH   SOLE   0 0 1,831
ISHARES TR RUS 2000 VAL ETF 464287630   1,801,382 11,343 SH   SOLE   0 0 11,343
ISHARES TR RUS 2000 GRW ETF 464287648   758,240 2,800 SH   SOLE   0 0 2,800
ISHARES TR RUSSELL 2000 ETF 464287655   397,677 1,891 SH   SOLE   0 0 1,891
ISHARES TR CORE S&P US VLU 464287663   16,335,481 180,622 SH   SOLE   0 0 180,622
ISHARES TR RUSSELL 3000 ETF 464287689   971,068 3,236 SH   SOLE   0 0 3,236
ISHARES TR CORE S&P SCP ETF 464287804   9,036,336 81,762 SH   SOLE   0 0 81,762
ISHARES TR ISHS 1-5YR INVS 464288646   977,089 19,054 SH   SOLE   0 0 19,054
ISHARES TR PFD AND INCM SEC 464288687   495,891 15,386 SH   SOLE   0 0 15,386
ISHARES TR CORE MSCI EAFE 46432F842   10,294,685 138,705 SH   SOLE   0 0 138,705
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   2,793,603 61,317 SH   SOLE   0 0 61,317
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274   3,864,596 83,056 SH   SOLE   0 0 83,056
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   1,912,608 33,056 SH   SOLE   0 0 33,056
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   3,157,855 62,236 SH   SOLE   0 0 62,236
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   21,635,482 428,850 SH   SOLE   0 0 428,850
JOHNSON & JOHNSON COM 478160104   488,649 3,089 SH   SOLE   0 0 3,089
JPMORGAN CHASE & CO COM 46625H100   5,587,228 27,894 SH   SOLE   0 0 27,894
KADANT INC COM 48282T104   257,230 784 SH   SOLE   0 0 784
KB HOME COM 48666K109   333,420 4,704 SH   SOLE   0 0 4,704
KINSALE CAP GROUP INC COM 49714P108   436,059 831 SH   SOLE   0 0 831
KITE RLTY GROUP TR COM NEW 49803T300   328,387 15,147 SH   SOLE   0 0 15,147
LANDSTAR SYS INC COM 515098101   331,162 1,718 SH   SOLE   0 0 1,718
LANTHEUS HLDGS INC COM 516544103   2,549,039 40,955 SH   SOLE   0 0 40,955
LENNAR CORP CL A 526057104   376,120 2,187 SH   SOLE   0 0 2,187
LINEAGE CELL THERAPEUTICS IN COM 53566P109   22,200 15,000 SH   SOLE   0 0 15,000
LOCKHEED MARTIN CORP COM 539830109   627,721 1,380 SH   SOLE   0 0 1,380
LULULEMON ATHLETICA INC COM 550021109   1,211,406 3,101 SH   SOLE   0 0 3,101
LYFT INC CL A COM 55087P104   232,200 12,000 SH   SOLE   0 0 12,000
M D C HLDGS INC COM 552676108   935,786 14,875 SH   SOLE   0 0 14,875
M/I HOMES INC COM 55305B101   320,009 2,348 SH   SOLE   0 0 2,348
MARATHON PETE CORP COM 56585A102   291,772 1,448 SH   SOLE   0 0 1,448
MARRIOTT INTL INC NEW CL A 571903202   635,821 2,520 SH   SOLE   0 0 2,520
MASCO CORP COM 574599106   220,864 2,800 SH   SOLE   0 0 2,800
MASTERCARD INCORPORATED CL A 57636Q104   674,198 1,400 SH   SOLE   0 0 1,400
MCDONALDS CORP COM 580135101   1,853,244 6,573 SH   SOLE   0 0 6,573
MERCK & CO INC COM 58933Y105   440,131 3,336 SH   SOLE   0 0 3,336
META PLATFORMS INC CL A 30303M102   8,054,801 16,588 SH   SOLE   0 0 16,588
MICRON TECHNOLOGY INC COM 595112103   287,594 2,440 SH   SOLE   0 0 2,440
MICROSOFT CORP COM 594918104   6,822,204 16,216 SH   SOLE   0 0 16,216
MKS INSTRS INC COM 55306N104   266,133 2,001 SH   SOLE   0 0 2,001
MONDELEZ INTL INC CL A 609207105   206,785 2,954 SH   SOLE   0 0 2,954
MORGAN STANLEY COM NEW 617446448   4,273,496 45,385 SH   SOLE   0 0 45,385
MSC INDL DIRECT INC CL A 553530106   307,908 3,173 SH   SOLE   0 0 3,173
MUELLER INDS INC COM 624756102   363,650 6,743 SH   SOLE   0 0 6,743
NETFLIX INC COM 64110L106   533,843 879 SH   SOLE   0 0 879
NEW YORK CMNTY BANCORP INC COM 649445103   154,480 47,975 SH   SOLE   0 0 47,975
NEXTERA ENERGY INC COM 65339F101   2,574,529 40,284 SH   SOLE   0 0 40,284
NVIDIA CORPORATION COM 67066G104   3,388,414 3,750 SH   SOLE   0 0 3,750
NVR INC COM 62944T105   380,698 47 SH   SOLE   0 0 47
OMEGA HEALTHCARE INVS INC COM 681936100   332,940 10,513 SH   SOLE   0 0 10,513
PALO ALTO NETWORKS INC COM 697435105   410,284 1,444 SH   SOLE   0 0 1,444
PAYLOCITY HLDG CORP COM 70438V106   294,740 1,715 SH   SOLE   0 0 1,715
PAYSAFE LIMITED *W EXP 03/30/202 G6964L115   1,439 45,688 SH   SOLE   0 0 45,688
PENSKE AUTOMOTIVE GRP INC COM 70959W103   431,055 2,661 SH   SOLE   0 0 2,661
PEPSICO INC COM 713448108   1,016,808 5,810 SH   SOLE   0 0 5,810
PFIZER INC COM 717081103   363,835 13,111 SH   SOLE   0 0 13,111
PHILIP MORRIS INTL INC COM 718172109   2,792,761 30,482 SH   SOLE   0 0 30,482
PHILLIPS 66 COM 718546104   388,423 2,378 SH   SOLE   0 0 2,378
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   4,310,535 45,441 SH   SOLE   0 0 45,441
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   3,913,066 38,920 SH   SOLE   0 0 38,920
PRESTO AUTOMATION INC COM 74113T105   4,437 25,500 SH   SOLE   0 0 25,500
PROCTER AND GAMBLE CO COM 742718109   4,347,683 26,796 SH   SOLE   0 0 26,796
PROSHARES TR S&P MDCP 400 DIV 74347B680   202,606 2,579 SH   SOLE   0 0 2,579
PROSHARES TR PSHS ULT S&P 500 74347R107   834,580 10,766 SH   SOLE   0 0 10,766
PROSHARES TR S&P 500 DV ARIST 74348A467   803,066 7,919 SH   SOLE   0 0 7,919
PRUDENTIAL FINL INC COM 744320102   1,267,990 10,801 SH   SOLE   0 0 10,801
PUBMATIC INC COM CL A 74467Q103   279,920 11,801 SH   SOLE   0 0 11,801
PULTE GROUP INC COM 745867101   875,701 7,260 SH   SOLE   0 0 7,260
QUALCOMM INC COM 747525103   959,592 5,668 SH   SOLE   0 0 5,668
QUALYS INC COM 74758T303   459,393 2,753 SH   SOLE   0 0 2,753
REMITLY GLOBAL INC COM 75960P104   348,038 16,781 SH   SOLE   0 0 16,781
RIGETTI COMPUTING INC COMMON STOCK 76655K103   15,595 10,193 SH   SOLE   0 0 10,193
RLI CORP COM 749607107   285,359 1,922 SH   SOLE   0 0 1,922
ROCKWELL MED INC COM NEW 774374300   41,683 25,110 SH   SOLE   0 0 25,110
ROKU INC COM CL A 77543R102   225,684 3,463 SH   SOLE   0 0 3,463
RTX CORPORATION COM 75513E101   614,732 6,303 SH   SOLE   0 0 6,303
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   16,131,642 173,982 SH   SOLE   0 0 173,982
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   602,293 7,927 SH   SOLE   0 0 7,927
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   563,836 3,817 SH   SOLE   0 0 3,817
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   370,844 2,017 SH   SOLE   0 0 2,017
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   7,812,311 37,510 SH   SOLE   0 0 37,510
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   326,830 4,002 SH   SOLE   0 0 4,002
SERVICENOW INC COM 81762P102   2,153,018 2,824 SH   SOLE   0 0 2,824
SHELL PLC SPON ADS 780259305   217,880 3,250 SH   SOLE   0 0 3,250
SIMON PPTY GROUP INC NEW COM 828806109   279,178 1,784 SH   SOLE   0 0 1,784
SIMPSON MFG INC COM 829073105   415,079 2,023 SH   SOLE   0 0 2,023
SNOWFLAKE INC CL A 833445109   526,008 3,255 SH   SOLE   0 0 3,255
SOBR SAFE INC COM NEW 833592207   14,145 34,500 SH   SOLE   0 0 34,500
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   608,723 1,530 SH   SOLE   0 0 1,530
SPDR GOLD TR GOLD SHS 78463V107   973,056 4,730 SH   SOLE   0 0 4,730
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   271,534 7,503 SH   SOLE   0 0 7,503
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   2,840,948 79,268 SH   SOLE   0 0 79,268
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,077,017 2,059 SH   SOLE   0 0 2,059
SPDR SER TR BBG CONV SEC ETF 78464A359   1,536,616 21,038 SH   SOLE   0 0 21,038
SPDR SER TR PRTFLO S&P500 GW 78464A409   2,450,818 33,504 SH   SOLE   0 0 33,504
SPDR SER TR PORTFOLIO SHORT 78464A474   289,037 9,709 SH   SOLE   0 0 9,709
SPDR SER TR PRTFLO S&P500 VL 78464A508   18,933,959 377,923 SH   SOLE   0 0 377,923
SPDR SER TR S&P DIVID ETF 78464A763   288,334 2,197 SH   SOLE   0 0 2,197
SPDR SER TR PORTFOLIO S&P500 78464A854   12,279,460 199,569 SH   SOLE   0 0 199,569
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   502,146 5,470 SH   SOLE   0 0 5,470
SPDR SER TR PORTFOLIO S&P600 78468R853   2,541,460 59,049 SH   SOLE   0 0 59,049
STARWOOD PPTY TR INC COM 85571B105   2,556,640 125,757 SH   SOLE   0 0 125,757
STRATEGY SHS DAY HAGAN NED 86280R803   6,691,569 174,033 SH   SOLE   0 0 174,033
SUN CMNTYS INC COM 866674104   726,477 5,650 SH   SOLE   0 0 5,650
TARGET CORP COM 87612E106   278,042 1,569 SH   SOLE   0 0 1,569
TAYLOR MORRISON HOME CORP COM 87724P106   493,195 7,933 SH   SOLE   0 0 7,933
TEREX CORP NEW COM 880779103   356,712 5,539 SH   SOLE   0 0 5,539
TESLA INC COM 88160R101   1,780,577 10,129 SH   SOLE   0 0 10,129
TEXAS INSTRS INC COM 882508104   537,438 3,085 SH   SOLE   0 0 3,085
TILRAY BRANDS INC COM 88688T100   51,541 20,867 SH   SOLE   0 0 20,867
T-MOBILE US INC COM 872590104   1,411,853 8,650 SH   SOLE   0 0 8,650
TORONTO DOMINION BK ONT COM NEW 891160509   639,485 10,591 SH   SOLE   0 0 10,591
TRAVELERS COMPANIES INC COM 89417E109   627,592 2,727 SH   SOLE   0 0 2,727
TWILIO INC CL A 90138F102   267,715 4,378 SH   SOLE   0 0 4,378
UBER TECHNOLOGIES INC COM 90353T100   1,252,473 16,268 SH   SOLE   0 0 16,268
ULTA BEAUTY INC COM 90384S303   1,176,480 2,250 SH   SOLE   0 0 2,250
UNILEVER PLC SPON ADR NEW 904767704   2,048,079 40,807 SH   SOLE   0 0 40,807
UNION PAC CORP COM 907818108   491,368 1,998 SH   SOLE   0 0 1,998
UNITED PARCEL SERVICE INC CL B 911312106   2,336,315 15,719 SH   SOLE   0 0 15,719
UNITEDHEALTH GROUP INC COM 91324P102   1,650,814 3,337 SH   SOLE   0 0 3,337
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,074,701 4,316 SH   SOLE   0 0 4,316
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   313,847 2,013 SH   SOLE   0 0 2,013
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   237,676 1,008 SH   SOLE   0 0 1,008
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   353,790 4,091 SH   SOLE   0 0 4,091
VANGUARD INDEX FDS SML CP GRW ETF 922908595   6,384,164 24,487 SH   SOLE   0 0 24,487
VANGUARD INDEX FDS MID CAP ETF 922908629   290,337 1,162 SH   SOLE   0 0 1,162
VANGUARD INDEX FDS LARGE CAP ETF 922908637   207,153 864 SH   SOLE   0 0 864
VANGUARD INDEX FDS GROWTH ETF 922908736   1,258,051 3,655 SH   SOLE   0 0 3,655
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,517,101 11,011 SH   SOLE   0 0 11,011
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,054,510 7,905 SH   SOLE   0 0 7,905
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   754,532 12,865 SH   SOLE   0 0 12,865
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,540,537 84,763 SH   SOLE   0 0 84,763
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   564,863 11,795 SH   SOLE   0 0 11,795
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   926,779 11,988 SH   SOLE   0 0 11,988
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   695,574 11,880 SH   SOLE   0 0 11,880
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   5,632,190 30,843 SH   SOLE   0 0 30,843
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   221,066 4,406 SH   SOLE   0 0 4,406
VEEVA SYS INC CL A COM 922475108   944,137 4,075 SH   SOLE   0 0 4,075
VERIZON COMMUNICATIONS INC COM 92343V104   3,476,300 82,848 SH   SOLE   0 0 82,848
VISA INC COM CL A 92826C839   2,379,715 8,527 SH   SOLE   0 0 8,527
WASTE MGMT INC DEL COM 94106L109   408,822 1,918 SH   SOLE   0 0 1,918
WAYFAIR INC NOTE 0.625%10/0 94419LAM3   185,479 200,000 PRN   SOLE   0 0 200,000
WESTERN MIDSTREAM PARTNERS L COM UNIT LP INT 958669103   205,230 5,773 SH   SOLE   0 0 5,773
WILLIAMS SONOMA INC COM 969904101   601,402 1,894 SH   SOLE   0 0 1,894
WORKDAY INC CL A 98138H101   218,200 800 SH   SOLE   0 0 800
XPEL INC COM 98379L100   296,894 5,496 SH   SOLE   0 0 5,496
ZSCALER INC COM 98980G102   481,575 2,500 SH   SOLE   0 0 2,500