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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
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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
ALPS ETF TR SMITH CORE PLUS 00162Q346   8,354,768 323,202 SH   SOLE   0 0 323,202
ABBVIE INC COM 00287Y109   266,506 1,436 SH   SOLE   325 0 1,111
ALPHABET INC CAP STK CL C 02079K107   242,563 1,367 SH   SOLE   0 0 1,367
ALPHABET INC CAP STK CL A 02079K305   431,663 2,449 SH   SOLE   0 0 2,449
AMAZON COM INC COM 023135106   442,488 2,017 SH   SOLE   62 0 1,955
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   2,389,860 34,868 SH   SOLE   0 0 34,868
AMERICAN CENTY ETF TR US SML CP VALU 025072877   2,405,794 26,408 SH   SOLE   0 0 26,408
ANGEL OAK FUNDS TRUST OAK ULTRASHORT 03463K752   477,774 9,355 SH   SOLE   0 0 9,355
APPLE INC COM 037833100   5,704,853 27,805 SH   SOLE   2,753 0 25,052
BANK AMERICA CORP COM 060505104   247,370 5,228 SH   SOLE   0 0 5,228
BIOLIFE SOLUTIONS INC COM NEW 09062W204   216,542 10,053 SH   SOLE   0 0 10,053
BNY MELLON ETF TRUST US LRG CP CORE 09661T107   100,979,226 852,649 SH   SOLE   1,899 0 850,750
BNY MELLON ETF TRUST US MDCP CORE EQT 09661T206   577,384 5,641 SH   SOLE   0 0 5,641
BNY MELLON ETF TRUST US SMLCP CORE 09661T305   401,901 4,023 SH   SOLE   0 0 4,023
BNY MELLON ETF TRUST INTERNATIONL EQT 09661T404   51,917,421 602,500 SH   SOLE   526 0 601,974
BNY MELLON ETF TRUST CORE BOND ETF 09661T602   3,370,153 79,899 SH   SOLE   0 0 79,899
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201   535,327 8,232 SH   SOLE   0 0 8,232
DELL TECHNOLOGIES INC CL C 24703L202   505,667 4,125 SH   SOLE   0 0 4,125
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666   4,945,977 159,445 SH   SOLE   0 0 159,445
EASTERN BANKSHARES INC COM 27627N105   1,546,427 101,272 SH   SOLE   0 0 101,272
META PLATFORMS INC CL A 30303M102   665,173 901 SH   SOLE   0 0 901
FIDELITY WISE ORIGIN BITCOIN SHS 315948109   223,602 2,379 SH   SOLE   16 0 2,363
FIDELITY COVINGTON TRUST BLUE CHIP GRWTH 316092352   801,798 16,621 SH   SOLE   4,973 0 11,648
FIDELITY COVINGTON TRUST ENHANCED LARGE 31609A305   14,127,523 381,516 SH   SOLE   0 0 381,516
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   14,018,932 306,425 SH   SOLE   1,650 0 304,775
FIRST MERCHANTS CORP COM 320817109   583,232 15,228 SH   SOLE   0 0 15,228
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   2,794,875 56,099 SH   SOLE   0 0 56,099
FORD MTR CO COM 345370860   542,379 49,989 SH   SOLE   0 0 49,989
INVESCO QQQ TR UNIT SER 1 46090E103   1,625,512 2,947 SH   SOLE   0 0 2,947
INVESCO EXCH TRADED FD TR II RAFI DVLPD MRKTS 46138E743   218,483 3,805 SH   SOLE   0 0 3,805
INVESCO EXCH TRD SLF IDX FD BULSHS 2029 MUNI 46138J478   651,046 28,668 SH   SOLE   0 0 28,668
INVESCO EXCH TRD SLF IDX FD BULSHS 2028 MUNI 46138J486   629,515 27,099 SH   SOLE   0 0 27,099
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494   660,294 28,134 SH   SOLE   0 0 28,134
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   894,256 37,957 SH   SOLE   0 0 37,957
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528   831,144 33,869 SH   SOLE   0 0 33,869
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   7,481,361 380,731 SH   SOLE   0 0 380,731
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   8,001,635 409,920 SH   SOLE   0 0 409,920
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   971,760 46,990 SH   SOLE   0 0 46,990
ISHARES GOLD TR ISHARES NEW 464285204   685,898 10,999 SH   SOLE   0 0 10,999
ISHARES INC MSCI AUST ETF 464286103   3,908,520 148,500 SH   SOLE   0 0 148,500
ISHARES INC MSCI CDA ETF 464286509   5,800,410 125,550 SH   SOLE   0 0 125,550
ISHARES TR CORE S&P TTL STK 464287150   3,839,457 28,432 SH   SOLE   6,353 0 22,079
ISHARES TR CORE S&P500 ETF 464287200   2,188,764 3,525 SH   SOLE   425 0 3,100
ISHARES TR CORE US AGGBD ET 464287226   359,787 3,627 SH   SOLE   601 0 3,026
ISHARES TR RUS 1000 ETF 464287622   5,555,702 16,361 SH   SOLE   54 0 16,307
ISHARES TR US AER DEF ETF 464288760   206,979 1,097 SH   SOLE   261 0 836
ISHARES TR CORE MSCI EAFE 46432F842   379,584 4,547 SH   SOLE   3,845 0 702
ISHARES TR INTERNATIONAL SL 46434V266   325,765 8,403 SH   SOLE   0 0 8,403
ISHARES TR IBONDS DEC 26 46435U259   1,758,060 68,613 SH   SOLE   0 0 68,613
ISHARES TR IBONDS DEC 27 46435U283   1,472,778 58,098 SH   SOLE   0 0 58,098
ISHARES TR IBONDS DEC 28 46435U325   1,301,522 51,221 SH   SOLE   0 0 51,221
ISHARES TR IBONDS DEC 25 46435U432   1,027,449 38,390 SH   SOLE   3,567 0 34,823
ISHARES TR ESG AWR US AGRGT 46435U549   2,784,375 58,569 SH   SOLE   0 0 58,569
ISHARES TR IBONDS DEC 2029 46436E163   1,263,754 50,089 SH   SOLE   0 0 50,089
JPMORGAN CHASE & CO. COM 46625H100   231,348 798 SH   SOLE   450 0 348
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   231,145 4,066 SH   SOLE   0 0 4,066
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   55,618,923 1,181,873 SH   SOLE   6,295 0 1,175,578
ELI LILLY & CO COM 532457108   478,631 614 SH   SOLE   415 0 199
MATTHEWS ASIA FDS ASIA INNOV ACTIV 577125826   489,112 15,664 SH   SOLE   0 0 15,664
MCDONALDS CORP COM 580135101   542,560 1,857 SH   SOLE   162 0 1,695
METHODE ELECTRS INC COM 591520200   95,100 10,000 SH   SOLE   0 0 10,000
MICROSOFT CORP COM 594918104   5,432,432 10,921 SH   SOLE   998 0 9,923
NAPCO SEC TECHNOLOGIES INC COM 630402105   655,674 22,084 SH   SOLE   0 0 22,084
NEXTERA ENERGY INC COM 65339F101   483,371 6,963 SH   SOLE   6,807 0 156
NVIDIA CORPORATION COM 67066G104   433,334 2,743 SH   SOLE   0 0 2,743
ORACLE CORP COM 68389X105   204,856 937 SH   SOLE   694 0 243
PACER FDS TR US CASH COWS 100 69374H881   342,724 6,220 SH   SOLE   0 0 6,220
PIMCO ETF TR MULTISECTOR BD 72201R585   7,867,103 296,424 SH   SOLE   0 0 296,424
PROCTER AND GAMBLE CO COM 742718109   263,090 1,651 SH   SOLE   460 0 1,191
PUTNAM ETF TRUST FOCUSED LAR CAP 746729300   1,272,818 31,639 SH   SOLE   0 0 31,639
RBB FUND TRUST FIRST EAGLE OVER 75526L878   486,035 11,553 SH   SOLE   0 0 11,553
SPDR S&P 500 ETF TR TR UNIT 78462F103   88,569,273 143,351 SH   SOLE   1,035 0 142,315
SPDR GOLD TR GOLD SHS 78463V107   1,026,972 3,369 SH   SOLE   324 0 3,045
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   6,601,332 163,036 SH   SOLE   6,979 0 156,057
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649   3,807,450 148,728 SH   SOLE   149 0 148,579
SPDR SERIES TRUST PORTFLI INTRMDIT 78464A672   33,114,697 1,151,015 SH   SOLE   1,098 0 1,149,917
SPDR SERIES TRUST S&P DIVID ETF 78464A763   605,766 4,463 SH   SOLE   0 0 4,463
SPDR SERIES TRUST PORTFOLI S&P1500 78464A805   12,237,021 163,400 SH   SOLE   0 0 163,400
SPDR SERIES TRUST PORTFOLIO S&P400 78464A847   367,911 6,766 SH   SOLE   0 0 6,766
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854   1,776,511 24,440 SH   SOLE   0 0 24,440
SPDR SERIES TRUST PORTFOLIO SH TSR 78468R101   2,249,368 76,796 SH   SOLE   0 0 76,796
SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663   2,635,665 28,733 SH   SOLE   935 0 27,798
SPDR SERIES TRUST MSCI USA STRTGIC 78468R812   1,496,033 9,173 SH   SOLE   0 0 9,173
SPDR SERIES TRUST PORTFOLIO S&P600 78468R853   252,398 5,925 SH   SOLE   0 0 5,925
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309   645,771 14,958 SH   SOLE   0 0 14,958
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   268,707 11,276 SH   SOLE   0 0 11,276
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   6,011,562 245,972 SH   SOLE   0 0 245,972
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   442,184 15,138 SH   SOLE   0 0 15,138
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   336,537 12,163 SH   SOLE   2,150 0 10,013
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   2,416,074 86,135 SH   SOLE   2,240 0 83,894
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   375,708 14,850 SH   SOLE   0 0 14,850
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   494,033 18,643 SH   SOLE   0 0 18,643
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   496,784 22,479 SH   SOLE   0 0 22,479
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   11,251,852 449,535 SH   SOLE   0 0 449,535
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   220,827 9,058 SH   SOLE   0 0 9,058
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,702,907 6,725 SH   SOLE   920 0 5,805
SPROTT PHYSICAL GOLD TR UNIT 85207H104   2,149,072 84,776 SH   SOLE   0 0 84,776
TESLA INC COM 88160R101   248,728 783 SH   SOLE   0 0 783
THORNBURG ETF TR INTL EQUITY ETF 88521L306   4,091,617 138,452 SH   SOLE   0 0 138,452
VANECK ETF TRUST REAL ASSETS ETF 92189F130   366,218 11,794 SH   SOLE   0 0 11,794
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   1,818,507 19,389 SH   SOLE   0 0 19,389
VANECK ETF TRUST CLO ETF 92189H748   8,162,597 154,157 SH   SOLE   0 0 154,157
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   471,270 3,592 SH   SOLE   0 0 3,592
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   204,682 2,780 SH   SOLE   0 0 2,780
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   258,106 1,936 SH   SOLE   0 0 1,936
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   465,423 10,085 SH   SOLE   0 0 10,085
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   212,819 3,166 SH   SOLE   286 0 2,880
VANGUARD WORLD FD MATERIALS ETF 92204A801   1,229,962 6,313 SH   SOLE   0 0 6,313
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   307,302 3,523 SH   SOLE   0 0 3,523
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,157,068 12,992 SH   SOLE   0 0 12,992
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,533,417 5,537 SH   SOLE   0 0 5,537
VANGUARD INDEX FDS MID CAP ETF 922908629   2,041,885 7,297 SH   SOLE   0 0 7,297
VANGUARD INDEX FDS LARGE CAP ETF 922908637   212,834 746 SH   SOLE   0 0 746
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   238,946 1,240 SH   SOLE   0 0 1,240
VANGUARD INDEX FDS GROWTH ETF 922908736   5,487,045 12,516 SH   SOLE   0 0 12,516
VANGUARD INDEX FDS VALUE ETF 922908744   623,406 3,527 SH   SOLE   1,365 0 2,163
VANGUARD INDEX FDS SMALL CP ETF 922908751   350,256 1,478 SH   SOLE   0 0 1,478
VANGUARD INDEX FDS TOTAL STK MKT 922908769   507,743 1,671 SH   SOLE   0 0 1,671
WALMART INC COM 931142103   208,024 2,127 SH   SOLE   0 0 2,127
WISDOMTREE TR GLB US QTLY DIV 97717W844   1,413,560 35,102 SH   SOLE   0 0 35,102
WISDOMTREE TR US QTLY DIV GRT 97717X669   2,379,588 28,416 SH   SOLE   0 0 28,416
WORLD GOLD TR SPDR GLD MINIS 98149E303   28,861,421 440,498 SH   SOLE   841 0 439,657