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
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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
ABBOTT LABS COM 002824100   1,528,682 13,515 SH   SOLE   13,515 0 0
ABBVIE INC COM 00287Y109   2,556,570 14,387 SH   SOLE   14,387 0 0
ABRDN ETFS BBRG ALL COMD K1 003261104   4,893,102 247,752 SH   SOLE   247,752 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   4,459,642 12,677 SH   SOLE   12,677 0 0
ADOBE INC COM 00724F101   1,744,035 3,922 SH   SOLE   3,922 0 0
ADVANCED MICRO DEVICES INC COM 007903107   612,647 5,072 SH   SOLE   5,072 0 0
AERCAP HOLDINGS NV SHS N00985106   265,280 2,772 SH   SOLE   2,772 0 0
AGNICO EAGLE MINES LTD COM 008474108   208,111 2,661 SH   SOLE   2,661 0 0
ALLIANT ENERGY CORP COM 018802108   234,135 3,959 SH   SOLE   3,959 0 0
ALLSTATE CORP COM 020002101   361,250 1,865 SH   SOLE   1,865 0 0
ALPHABET INC CAP STK CL A 02079K305   5,721,782 30,226 SH   SOLE   30,226 0 0
ALPHABET INC CAP STK CL C 02079K107   9,039,615 47,467 SH   SOLE   47,467 0 0
ALPS ETF TR ALERIAN MLP 00162Q452   2,091,751 43,433 SH   SOLE   43,433 0 0
ALTRIA GROUP INC COM 02209S103   350,056 6,562 SH   SOLE   6,562 0 0
AMAZON COM INC COM 023135106   9,828,453 44,799 SH   SOLE   44,799 0 0
AMERICAN EXPRESS CO COM 025816109   5,035,042 16,965 SH   SOLE   16,965 0 0
AMERICAN FINL GROUP INC OHIO COM 025932104   745,036 5,441 SH   SOLE   5,441 0 0
AMERICAN TOWER CORP NEW COM 03027X100   205,754 1,113 SH   SOLE   1,113 0 0
AMERIPRISE FINL INC COM 03076C106   273,669 514 SH   SOLE   514 0 0
AMGEN INC COM 031162100   3,125,856 11,993 SH   SOLE   11,993 0 0
AMPHENOL CORP NEW CL A 032095101   1,408,800 20,237 SH   SOLE   20,237 0 0
ANALOG DEVICES INC COM 032654105   4,063,935 19,128 SH   SOLE   19,128 0 0
APOLLO GLOBAL MGMT INC COM 03769M106   394,237 2,387 SH   SOLE   2,387 0 0
APPLE INC COM 037833100   20,025,213 79,967 SH   SOLE   79,967 0 0
APPLOVIN CORP COM CL A 03831W108   348,441 1,076 SH   SOLE   1,076 0 0
ARCH CAP GROUP LTD ORD G0450A105   605,724 6,559 SH   SOLE   6,559 0 0
ARES CAPITAL CORP COM 04010L103   224,329 10,248 SH   SOLE   10,248 0 0
ARISTA NETWORKS INC COM SHS 040413205   467,542 4,230 SH   SOLE   4,230 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   249,509 360 SH   SOLE   360 0 0
AT&T INC COM 00206R102   521,592 22,907 SH   SOLE   22,907 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   3,997,183 13,592 SH   SOLE   13,592 0 0
AUTOZONE INC COM 053332102   4,223,438 1,319 SH   SOLE   1,319 0 0
BAKER HUGHES COMPANY CL A 05722G100   225,856 5,506 SH   SOLE   5,506 0 0
BANK AMERICA CORP COM 060505104   812,196 18,480 SH   SOLE   18,480 0 0
BANK NEW YORK MELLON CORP COM 064058100   356,952 4,646 SH   SOLE   4,646 0 0
BECTON DICKINSON & CO COM 075887109   2,137,342 9,421 SH   SOLE   9,421 0 0
BERKLEY W R CORP COM 084423102   1,070,448 18,292 SH   SOLE   18,292 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   9,765,918 21,545 SH   SOLE   21,545 0 0
BLACKROCK INC COM 09290D101   613,016 598 SH   SOLE   598 0 0
BLACKSTONE INC COM 09260D107   255,526 1,482 SH   SOLE   1,482 0 0
BOEING CO COM 097023105   615,783 3,479 SH   SOLE   3,479 0 0
BOOKING HOLDINGS INC COM 09857L108   948,968 191 SH   SOLE   191 0 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   792,663 6,159 SH   SOLE   6,159 0 0
BOSTON SCIENTIFIC CORP COM 101137107   388,095 4,345 SH   SOLE   4,345 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   2,802,887 49,556 SH   SOLE   49,556 0 0
BROADCOM INC COM 11135F101   7,197,009 31,043 SH   SOLE   31,043 0 0
BROWN & BROWN INC COM 115236101   952,459 9,336 SH   SOLE   9,336 0 0
CADENCE DESIGN SYSTEM INC COM 127387108   311,577 1,037 SH   SOLE   1,037 0 0
CARDINAL HEALTH INC COM 14149Y108   1,028,712 8,698 SH   SOLE   8,698 0 0
CARLISLE COS INC COM 142339100   273,310 741 SH   SOLE   741 0 0
CARMAX INC COM 143130102   466,032 5,700 SH   SOLE   5,700 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   667,664 9,749 SH   SOLE   9,749 0 0
CATERPILLAR INC COM 149123101   662,400 1,826 SH   SOLE   1,826 0 0
CDW CORP COM 12514G108   734,971 4,223 SH   SOLE   4,223 0 0
CF INDS HLDGS INC COM 125269100   364,999 4,278 SH   SOLE   4,278 0 0
CHEVRON CORP NEW COM 166764100   4,957,873 34,230 SH   SOLE   34,230 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   316,274 5,245 SH   SOLE   5,245 0 0
CHUBB LIMITED COM H1467J104   464,586 1,676 SH   SOLE   1,676 0 0
CINTAS CORP COM 172908105   287,935 1,576 SH   SOLE   1,576 0 0
CISCO SYS INC COM 17275R102   3,743,192 63,230 SH   SOLE   63,230 0 0
CITIGROUP INC COM NEW 172967424   253,122 3,596 SH   SOLE   3,596 0 0
COCA COLA CO COM 191216100   492,103 7,904 SH   SOLE   7,904 0 0
COMCAST CORP NEW CL A 20030N101   719,750 19,178 SH   SOLE   19,178 0 0
CONOCOPHILLIPS COM 20825C104   352,153 3,551 SH   SOLE   3,551 0 0
CONSTELLATION ENERGY CORP COM 21037T109   470,686 2,104 SH   SOLE   2,104 0 0
COPART INC COM 217204106   1,341,721 23,379 SH   SOLE   23,379 0 0
COSTCO WHSL CORP NEW COM 22160K105   5,047,788 5,509 SH   SOLE   5,509 0 0
COUPANG INC CL A 22266T109   248,198 11,292 SH   SOLE   11,292 0 0
CRANE COMPANY COMMON STOCK 224408104   898,208 5,919 SH   SOLE   5,919 0 0
CRANE NXT CO COM 224441105   222,924 3,829 SH   SOLE   3,829 0 0
CSX CORP COM 126408103   1,952,496 60,505 SH   SOLE   60,505 0 0
CYBERARK SOFTWARE LTD SHS M2682V108   228,208 685 SH   SOLE   685 0 0
DANAHER CORPORATION COM 235851102   3,137,510 13,652 SH   SOLE   13,652 0 0
DECKERS OUTDOOR CORP COM 243537107   489,041 2,408 SH   SOLE   2,408 0 0
DEERE & CO COM 244199105   225,845 531 SH   SOLE   531 0 0
DEVON ENERGY CORP NEW COM 25179M103   1,690,046 51,636 SH   SOLE   51,636 0 0
DIAGEO PLC SPON ADR NEW 25243Q205   206,459 1,624 SH   SOLE   1,624 0 0
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   8,982,098 188,028 SH   SOLE   188,028 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   2,186,217 33,593 SH   SOLE   33,593 0 0
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   244,918 6,903 SH   SOLE   6,903 0 0
DIREXION SHS ETF TR DLY S&P500 BR 1X 25460E869   234,777 21,324 SH   SOLE   21,324 0 0
DISNEY WALT CO COM 254687106   2,908,639 26,006 SH   SOLE   26,006 0 0
DOCUSIGN INC COM 256163106   1,582,224 17,592 SH   SOLE   17,592 0 0
DROPBOX INC CL A 26210C104   332,723 11,076 SH   SOLE   11,076 0 0
EATON CORP PLC SHS G29183103   657,766 1,982 SH   SOLE   1,982 0 0
EBAY INC. COM 278642103   3,144,148 50,753 SH   SOLE   50,753 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108   250,369 3,382 SH   SOLE   3,382 0 0
ELANCO ANIMAL HEALTH INC COM 28414H103   337,118 27,838 SH   SOLE   27,838 0 0
ELECTRONIC ARTS INC COM 285512109   2,336,411 15,970 SH   SOLE   15,970 0 0
ELEVANCE HEALTH INC COM 036752103   219,864 596 SH   SOLE   596 0 0
ELI LILLY & CO COM 532457108   3,856,912 4,996 SH   SOLE   4,996 0 0
EMCOR GROUP INC COM 29084Q100   442,553 975 SH   SOLE   975 0 0
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   258,196 13,180 SH   SOLE   13,180 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107   250,880 8,000 SH   SOLE   8,000 0 0
EOG RES INC COM 26875P101   2,600,290 21,213 SH   SOLE   21,213 0 0
EQT CORP COM 26884L109   1,381,824 29,968 SH   SOLE   29,968 0 0
ETF SER SOLUTIONS DISTILLATE US 26922A321   48,882,181 890,000 SH   SOLE   890,000 0 0
ETF SER SOLUTIONS DISTILLATE SMLMD 26922B667   10,117,263 289,467 SH   SOLE   289,467 0 0
ETFS GOLD TR PHYSCL GOLD SHS 00326A104   1,380,706 55,118 SH   SOLE   55,118 0 0
EXELIXIS INC COM 30161Q104   471,228 14,151 SH   SOLE   14,151 0 0
EXELON CORP COM 30161N101   261,711 6,953 SH   SOLE   6,953 0 0
EXPEDITORS INTL WASH INC COM 302130109   846,504 7,642 SH   SOLE   7,642 0 0
EXXON MOBIL CORP COM 30231G102   5,200,257 48,343 SH   SOLE   48,343 0 0
FAIR ISAAC CORP COM 303250104   609,225 306 SH   SOLE   306 0 0
FASTENAL CO COM 311900104   1,026,156 14,270 SH   SOLE   14,270 0 0
FIDELITY NATL INFORMATION SV COM 31620M106   223,248 2,764 SH   SOLE   2,764 0 0
FISERV INC COM 337738108   585,652 2,851 SH   SOLE   2,851 0 0
FLAHERTY & CRUMRINE PFD INCO COM 33848E106   90,100 10,000 SH   SOLE   10,000 0 0
FLEX LTD ORD Y2573F102   315,796 8,226 SH   SOLE   8,226 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   307,860 8,467 SH   SOLE   8,467 0 0
FLOOR & DECOR HLDGS INC CL A 339750101   506,675 5,082 SH   SOLE   5,082 0 0
FORD MTR CO COM 345370860   135,155 13,652 SH   SOLE   13,652 0 0
FORTINET INC COM 34959E109   257,269 2,723 SH   SOLE   2,723 0 0
FREEPORT-MCMORAN INC CL B 35671D857   250,795 6,586 SH   SOLE   6,586 0 0
GARTNER INC COM 366651107   1,108,467 2,288 SH   SOLE   2,288 0 0
GE AEROSPACE COM NEW 369604301   622,185 3,724 SH   SOLE   3,724 0 0
GE VERNOVA INC COM 36828A101   336,420 1,022 SH   SOLE   1,022 0 0
GENERAC HLDGS INC COM 368736104   389,486 2,512 SH   SOLE   2,512 0 0
GENERAL DYNAMICS CORP COM 369550108   321,721 1,221 SH   SOLE   1,221 0 0
GENERAL MTRS CO COM 37045V100   417,637 7,840 SH   SOLE   7,840 0 0
GILEAD SCIENCES INC COM 375558103   1,614,812 17,482 SH   SOLE   17,482 0 0
GODADDY INC CL A 380237107   509,412 2,581 SH   SOLE   2,581 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   415,149 725 SH   SOLE   725 0 0
GRACO INC COM 384109104   306,900 3,641 SH   SOLE   3,641 0 0
GRAINGER W W INC COM 384802104   250,864 238 SH   SOLE   238 0 0
GRANITESHARES ETF TR BBG COMMD K 1 38747R108   11,321,866 567,512 SH   SOLE   567,512 0 0
HALEON PLC SPON ADS 405552100   197,841 20,738 SH   SOLE   20,738 0 0
HILTON WORLDWIDE HLDGS INC COM 43300A203   201,188 814 SH   SOLE   814 0 0
HOME DEPOT INC COM 437076102   2,095,100 5,386 SH   SOLE   5,386 0 0
HONEYWELL INTL INC COM 438516106   349,000 1,545 SH   SOLE   1,545 0 0
HOST HOTELS & RESORTS INC COM 44107P104   258,301 14,495 SH   SOLE   14,495 0 0
HUBBELL INC COM 443510607   305,790 730 SH   SOLE   730 0 0
HUBSPOT INC COM 443573100   244,566 351 SH   SOLE   351 0 0
ICON PLC SHS G4705A100   200,902 958 SH   SOLE   958 0 0
ING GROEP N.V. SPONSORED ADR 456837103   189,513 12,094 SH   SOLE   12,094 0 0
INGERSOLL RAND INC COM 45687V106   228,773 2,529 SH   SOLE   2,529 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   444,348 2,982 SH   SOLE   2,982 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   753,797 3,429 SH   SOLE   3,429 0 0
INTUIT COM 461202103   267,741 426 SH   SOLE   426 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   799,643 1,532 SH   SOLE   1,532 0 0
INVESCO EXCH TRADED FD TR II S&P MDCP 400 REV 46138G672   17,981,751 154,708 SH   SOLE   154,708 0 0
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698   7,248,038 74,020 SH   SOLE   74,020 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   1,180,499 57,167 SH   SOLE   57,167 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   1,690,087 71,705 SH   SOLE   71,705 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528   1,624,621 66,284 SH   SOLE   66,284 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   7,512,155 186,221 SH   SOLE   186,221 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597   1,393,622 33,492 SH   SOLE   33,492 0 0
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308   7,378,030 64,084 SH   SOLE   64,084 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   2,050,032 4,010 SH   SOLE   4,010 0 0
ISHARES GOLD TR ISHARES NEW 464285204   12,177,480 245,960 SH   SOLE   245,960 0 0
ISHARES INC CORE MSCI EMKT 46434G103   12,355,624 236,607 SH   SOLE   236,607 0 0
ISHARES INC MSCI PAC JP ETF 464286665   481,910 11,000 SH   SOLE   11,000 0 0
ISHARES TR IBONDS DEC 29 46436E205   432,566 18,972 SH   SOLE   18,972 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   2,105,899 18,225 SH   SOLE   18,225 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   230,694 2,272 SH   SOLE   2,272 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,662,740 21,991 SH   SOLE   21,991 0 0
ISHARES TR CORE MSCI INTL 46435G326   5,899,327 91,505 SH   SOLE   91,505 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   5,945,951 115,009 SH   SOLE   115,009 0 0
ISHARES TR NATIONAL MUN ETF 464288414   13,453,536 126,265 SH   SOLE   126,265 0 0
ISHARES TR CORE S&P500 ETF 464287200   84,358,034 143,300 SH   SOLE   143,300 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   408,834 4,987 SH   SOLE   4,987 0 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1   4,211,724 168,133 SH   SOLE   168,133 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   650,283 5,048 SH   SOLE   5,048 0 0
ISHARES TR IBONDS 27 ETF 46435UAA9   4,117,478 171,848 SH   SOLE   171,848 0 0
ISHARES TR SELECT DIVID ETF 464287168   919,030 7,000 SH   SOLE   7,000 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243   360,274 14,586 SH   SOLE   14,586 0 0
ISHARES TR IBONDS DEC 27 46435U283   250,168 9,951 SH   SOLE   9,951 0 0
ISHARES TR IBONDS DEC2026 46435GAA0   4,267,531 177,297 SH   SOLE   177,297 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   1,025,635 2,554 SH   SOLE   2,554 0 0
ISHARES TR IBONDS DEC 25 46435U432   299,978 11,271 SH   SOLE   11,271 0 0
ISHARES TR IBDS DEC28 ETF 46435U515   1,099,012 44,137 SH   SOLE   44,137 0 0
ISHARES TR IBONDS DEC 26 46435U259   299,944 11,781 SH   SOLE   11,781 0 0
ISHARES TR ULTRA SHORT-TERM 46434V878   10,466,293 207,541 SH   SOLE   207,541 0 0
ISHARES TR CORE S&P SCP ETF 464287804   27,855,987 241,763 SH   SOLE   241,763 0 0
ISHARES TR RUS MID CAP ETF 464287499   2,300,433 26,023 SH   SOLE   26,023 0 0
ISHARES TR CORE MSCI EAFE 46432F842   18,681,574 265,816 SH   SOLE   265,816 0 0
ISHARES TR MSCI USA ESG SLC 464288802   1,485,343 12,216 SH   SOLE   12,216 0 0
ISHARES TR CORE S&P MCP ETF 464287507   41,465,160 665,466 SH   SOLE   665,466 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   555,830 13,291 SH   SOLE   13,291 0 0
ISHARES TR IBONDS 25 TRM TS 46436E866   313,164 13,429 SH   SOLE   13,429 0 0
ISHARES TR IBONDS 29 TRM TS 46436E825   303,580 14,235 SH   SOLE   14,235 0 0
ISHARES TR 0-3 MNTH TREASRY 46436E718   71,102,048 708,752 SH   SOLE   708,752 0 0
ISHARES TR IBONDS 27 TRM TS 46436E841   301,875 13,600 SH   SOLE   13,600 0 0
ISHARES U S ETF TR SHORT MATURITY M 46431W838   52,542,375 1,051,899 SH   SOLE   1,051,899 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   10,613,019 209,840 SH   SOLE   209,840 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   8,433,563 145,666 SH   SOLE   145,666 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   59,512,064 1,171,600 SH   SOLE   1,171,600 0 0
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   4,190,318 83,436 SH   SOLE   83,436 0 0
JABIL INC COM 466313103   365,362 2,539 SH   SOLE   2,539 0 0
JANUS DETROIT STR TR HENDERSN SML ETF 47103U209   16,995,720 226,394 SH   SOLE   226,394 0 0
JETBLUE AWYS CORP COM 477143101   79,535 10,119 SH   SOLE   10,119 0 0
JOHNSON & JOHNSON COM 478160104   3,801,626 26,287 SH   SOLE   26,287 0 0
JOHNSON CTLS INTL PLC SHS G51502105   270,893 3,416 SH   SOLE   3,416 0 0
JPMORGAN CHASE & CO. COM 46625H100   7,848,585 32,742 SH   SOLE   32,742 0 0
KROGER CO COM 501044101   3,200,530 52,339 SH   SOLE   52,339 0 0
LABCORP HOLDINGS INC COM SHS 504922105   789,319 3,442 SH   SOLE   3,442 0 0
LAM RESEARCH CORP COM NEW 512807306   381,501 5,259 SH   SOLE   5,259 0 0
LATTICE SEMICONDUCTOR CORP COM 518415104   222,918 3,935 SH   SOLE   3,935 0 0
LENNAR CORP CL A 526057104   325,515 2,387 SH   SOLE   2,387 0 0
LIBERTY BROADBAND CORP COM SER C 530307305   304,348 4,071 SH   SOLE   4,071 0 0
LINDE PLC SHS G54950103   1,218,748 2,911 SH   SOLE   2,911 0 0
LOCKHEED MARTIN CORP COM 539830109   207,010 426 SH   SOLE   426 0 0
LOWES COS INC COM 548661107   2,955,183 11,974 SH   SOLE   11,974 0 0
M & T BK CORP COM 55261F104   404,033 2,149 SH   SOLE   2,149 0 0
MARATHON PETE CORP COM 56585A102   2,844,544 20,391 SH   SOLE   20,391 0 0
MARKEL GROUP INC COM 570535104   1,116,871 647 SH   SOLE   647 0 0
MARSH & MCLENNAN COS INC COM 571748102   267,424 1,259 SH   SOLE   1,259 0 0
MASTERCARD INCORPORATED CL A 57636Q104   3,133,618 5,951 SH   SOLE   5,951 0 0
MCDONALDS CORP COM 580135101   3,359,584 11,589 SH   SOLE   11,589 0 0
MCKESSON CORP COM 58155Q103   4,907,137 8,601 SH   SOLE   8,601 0 0
MEDTRONIC PLC SHS G5960L103   2,361,220 29,300 SH   SOLE   29,300 0 0
MERCK & CO INC COM 58933Y105   898,137 8,955 SH   SOLE   8,955 0 0
META PLATFORMS INC CL A 30303M102   6,054,759 10,341 SH   SOLE   10,341 0 0
METLIFE INC COM 59156R108   446,655 5,455 SH   SOLE   5,455 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104   517,125 9,017 SH   SOLE   9,017 0 0
MICROSOFT CORP COM 594918104   15,837,441 37,574 SH   SOLE   37,574 0 0
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   245,604 20,956 SH   SOLE   20,956 0 0
MONDELEZ INTL INC CL A 609207105   469,558 7,801 SH   SOLE   7,801 0 0
MORGAN STANLEY COM NEW 617446448   774,687 6,162 SH   SOLE   6,162 0 0
MURPHY USA INC COM 626755102   479,673 956 SH   SOLE   956 0 0
NETAPP INC COM 64110D104   515,627 4,442 SH   SOLE   4,442 0 0
NETFLIX INC COM 64110L106   1,902,968 2,135 SH   SOLE   2,135 0 0
NEXTERA ENERGY INC COM 65339F101   418,741 5,841 SH   SOLE   5,841 0 0
NIKE INC CL B 654106103   310,700 4,085 SH   SOLE   4,085 0 0
NISOURCE INC COM 65473P105   263,606 7,171 SH   SOLE   7,171 0 0
NORTHERN TR CORP COM 665859104   2,185,992 21,189 SH   SOLE   21,189 0 0
NOVARTIS AG SPONSORED ADR 66987V109   260,402 2,676 SH   SOLE   2,676 0 0
NOVO-NORDISK A S ADR 670100205   585,280 6,804 SH   SOLE   6,804 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   375,514 8,966 SH   SOLE   8,966 0 0
NVIDIA CORPORATION COM 67066G104   9,257,953 68,940 SH   SOLE   68,940 0 0
OKTA INC CL A 679295105   317,249 4,026 SH   SOLE   4,026 0 0
OMNICOM GROUP INC COM 681919106   508,441 5,861 SH   SOLE   5,861 0 0
ORACLE CORP COM 68389X105   4,926,545 29,564 SH   SOLE   29,564 0 0
OREILLY AUTOMOTIVE INC COM 67103H107   1,223,746 1,032 SH   SOLE   1,032 0 0
OTIS WORLDWIDE CORP COM 68902V107   319,968 3,455 SH   SOLE   3,455 0 0
OWENS CORNING NEW COM 690742101   279,665 1,642 SH   SOLE   1,642 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108   240,201 3,176 SH   SOLE   3,176 0 0
PALO ALTO NETWORKS INC COM 697435105   2,843,307 15,626 SH   SOLE   15,626 0 0
PAYPAL HLDGS INC COM 70450Y103   2,614,697 30,635 SH   SOLE   30,635 0 0
PEPSICO INC COM 713448108   3,229,716 21,087 SH   SOLE   21,087 0 0
PFIZER INC COM 717081103   2,931,910 110,513 SH   SOLE   110,513 0 0
PHILIP MORRIS INTL INC COM 718172109   610,796 5,017 SH   SOLE   5,017 0 0
PINTEREST INC CL A 72352L106   321,929 11,101 SH   SOLE   11,101 0 0
PNC FINL SVCS GROUP INC COM 693475105   3,271,700 16,965 SH   SOLE   16,965 0 0
PROCTER AND GAMBLE CO COM 742718109   4,013,038 23,937 SH   SOLE   23,937 0 0
PROGRESSIVE CORP COM 743315103   6,015,649 25,106 SH   SOLE   25,106 0 0
QUALCOMM INC COM 747525103   4,273,248 27,817 SH   SOLE   27,817 0 0
QUALYS INC COM 74758T303   256,603 1,830 SH   SOLE   1,830 0 0
REGIONS FINANCIAL CORP NEW COM 7591EP100   523,379 22,040 SH   SOLE   22,040 0 0
REINSURANCE GRP OF AMERICA I COM NEW 759351604   941,895 4,409 SH   SOLE   4,409 0 0
RLI CORP COM 749607107   791,019 4,799 SH   SOLE   4,799 0 0
ROBERT HALF INC. COM 770323103   1,111,929 15,781 SH   SOLE   15,781 0 0
ROSS STORES INC COM 778296103   833,649 5,511 SH   SOLE   5,511 0 0
RPM INTL INC COM 749685103   247,351 2,010 SH   SOLE   2,010 0 0
RTX CORPORATION COM 75513E101   1,049,118 9,066 SH   SOLE   9,066 0 0
S&P GLOBAL INC COM 78409V104   2,774,525 5,571 SH   SOLE   5,571 0 0
SALESFORCE INC COM 79466L302   2,664,090 7,959 SH   SOLE   7,959 0 0
SAP SE SPON ADR 803054204   393,936 1,600 SH   SOLE   1,600 0 0
SCHLUMBERGER LTD COM STK 806857108   222,008 5,740 SH   SOLE   5,740 0 0
SCHWAB CHARLES CORP COM 808513105   2,403,179 32,471 SH   SOLE   32,471 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US B 808524789   1,957,213 84,145 SH   SOLE   84,145 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   287,793 10,534 SH   SOLE   10,534 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763   25,558,067 860,541 SH   SOLE   860,541 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   14,239,996 591,854 SH   SOLE   591,854 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   17,377,053 523,248 SH   SOLE   523,248 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   28,737,050 1,213,558 SH   SOLE   1,213,558 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730   12,984,166 446,959 SH   SOLE   446,959 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   10,747,642 416,091 SH   SOLE   416,091 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   48,991,436 2,016,938 SH   SOLE   2,016,938 0 0
SCHWAB STRATEGIC TR MUN BD ETF 808524649   839,659 32,697 SH   SOLE   32,697 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   16,575,913 193,508 SH   SOLE   193,508 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,019,166 13,465 SH   SOLE   13,465 0 0
SERVICENOW INC COM 81762P102   600,028 566 SH   SOLE   566 0 0
SHELL PLC SPON ADS 780259305   290,696 4,640 SH   SOLE   4,640 0 0
SHOPIFY INC CL A 82509L107   326,220 3,068 SH   SOLE   3,068 0 0
SIMON PPTY GROUP INC NEW COM 828806109   385,062 2,236 SH   SOLE   2,236 0 0
SKYWORKS SOLUTIONS INC COM 83088M102   266,927 3,010 SH   SOLE   3,010 0 0
SMUCKER J M CO COM NEW 832696405   1,472,194 13,369 SH   SOLE   13,369 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   1,408,185 3,300 SH   SOLE   3,300 0 0
SPDR GOLD TR GOLD SHS 78463V107   375,059 1,549 SH   SOLE   1,549 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   2,074,397 54,063 SH   SOLE   54,063 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   26,551,936 45,153 SH   SOLE   45,153 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   5,556,010 9,719 SH   SOLE   9,719 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854   1,399,827 20,305 SH   SOLE   20,305 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847   4,605,117 84,204 SH   SOLE   84,204 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   4,615,755 102,755 SH   SOLE   102,755 0 0
SPDR SER TR S&P DIVID ETF 78464A763   226,023 1,711 SH   SOLE   1,711 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656   973,625 38,468 SH   SOLE   38,468 0 0
SPROUTS FMRS MKT INC COM 85208M102   1,100,299 8,659 SH   SOLE   8,659 0 0
STARBUCKS CORP COM 855244109   1,744,335 19,116 SH   SOLE   19,116 0 0
STEEL DYNAMICS INC COM 858119100   366,498 3,200 SH   SOLE   3,200 0 0
STRYKER CORPORATION COM 863667101   3,318,734 9,196 SH   SOLE   9,196 0 0
T-MOBILE US INC COM 872590104   328,446 1,488 SH   SOLE   1,488 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   646,316 3,263 SH   SOLE   3,263 0 0
TARGET CORP COM 87612E106   238,187 1,762 SH   SOLE   1,762 0 0
TAYLOR MORRISON HOME CORP COM 87724P106   578,496 9,451 SH   SOLE   9,451 0 0
TE CONNECTIVITY PLC ORD SHS G87052109   802,062 5,610 SH   SOLE   5,610 0 0
TESLA INC COM 88160R101   2,374,983 5,881 SH   SOLE   5,881 0 0
TEXAS INSTRS INC COM 882508104   1,612,586 8,600 SH   SOLE   8,600 0 0
THE CIGNA GROUP COM 125523100   234,443 849 SH   SOLE   849 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   732,583 1,407 SH   SOLE   1,407 0 0
TJX COS INC NEW COM 872540109   421,385 3,488 SH   SOLE   3,488 0 0
TORO CO COM 891092108   233,958 2,907 SH   SOLE   2,907 0 0
TOTALENERGIES SE SPONSORED ADS 89151E109   234,123 4,235 SH   SOLE   4,235 0 0
TRANSDIGM GROUP INC COM 893641100   585,483 462 SH   SOLE   462 0 0
TRIMTABS ETF TR ABACUS FCF LEADE 89628W302   368,490 5,544 SH   SOLE   5,544 0 0
ULTA BEAUTY INC COM 90384S303   685,450 1,576 SH   SOLE   1,576 0 0
UNDER ARMOUR INC CL C 904311206   200,853 26,924 SH   SOLE   26,924 0 0
UNILEVER PLC SPON ADR NEW 904767704   314,798 5,552 SH   SOLE   5,552 0 0
UNION PAC CORP COM 907818108   440,345 1,931 SH   SOLE   1,931 0 0
UNITED PARCEL SERVICE INC CL B 911312106   1,393,909 11,054 SH   SOLE   11,054 0 0
UNITED RENTALS INC COM 911363109   338,131 480 SH   SOLE   480 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,330,412 2,630 SH   SOLE   2,630 0 0
UNIVERSAL HLTH SVCS INC CL B 913903100   601,057 3,350 SH   SOLE   3,350 0 0
US BANCORP DEL COM NEW 902973304   2,593,243 53,657 SH   SOLE   53,657 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   5,127,865 17,694 SH   SOLE   17,694 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   312,845 1,302 SH   SOLE   1,302 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   11,815,678 21,929 SH   SOLE   21,929 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   352,440 3,000 SH   SOLE   3,000 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   305,717 2,670 SH   SOLE   2,670 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   22,395,928 446,757 SH   SOLE   446,757 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   1,412,861 31,161 SH   SOLE   31,161 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   44,167,516 566,178 SH   SOLE   566,178 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   5,244,553 90,423 SH   SOLE   90,423 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   49,512,413 252,834 SH   SOLE   252,834 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   621,660 13,000 SH   SOLE   13,000 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   714,504 5,600 SH   SOLE   5,600 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   13,351,070 166,909 SH   SOLE   166,909 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725   292,062 5,151 SH   SOLE   5,151 0 0
VANGUARD WORLD FD ENERGY ETF 92204A306   803,921 6,627 SH   SOLE   6,627 0 0
VERISK ANALYTICS INC COM 92345Y106   259,730 943 SH   SOLE   943 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   554,501 13,866 SH   SOLE   13,866 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100   510,221 1,267 SH   SOLE   1,267 0 0
VISA INC COM CL A 92826C839   6,323,644 20,009 SH   SOLE   20,009 0 0
WALMART INC COM 931142103   1,130,952 12,489 SH   SOLE   12,489 0 0
WASTE MGMT INC DEL COM 94106L109   277,058 1,373 SH   SOLE   1,373 0 0
WELLS FARGO CO NEW COM 949746101   670,371 9,544 SH   SOLE   9,544 0 0
WILLIAMS COS INC COM 969457100   290,137 5,361 SH   SOLE   5,361 0 0
WILLIAMS SONOMA INC COM 969904101   643,315 3,474 SH   SOLE   3,474 0 0
WILLIS TOWERS WATSON PLC LTD SHS G96629103   252,552 804 SH   SOLE   804 0 0
WISDOMTREE TR INTL QULTY DIV 97717X131   1,349,553 39,360 SH   SOLE   39,360 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669   611,653 7,554 SH   SOLE   7,554 0 0
XYLEM INC COM 98419M100   264,178 2,277 SH   SOLE   2,277 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102   476,420 4,500 SH   SOLE   4,500 0 0
ZOETIS INC CL A 98978V103   313,151 1,922 SH   SOLE   1,922 0 0