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
Vanguard S&P 500 ETF ETF 922908363   397,908,100 1,132,544 SH   SOLE   1,132,544 0 0
Vanguard European Stock Index Fund Insti Plus MF 922042627   163,158,800 1,232,597 SH   SOLE   1,232,597 0 0
Vanguard Value ETF ETF 922908744   125,612,600 894,868 SH   SOLE   894,868 0 0
Eli Lilly and Company COM 532457108   102,180,200 279,303 SH   SOLE   279,303 0 0
Apple Inc. COM 037833100   74,858,390 576,144 SH   SOLE   576,144 0 0
Microsoft Corporation COM 594918104   58,924,250 245,702 SH   SOLE   245,702 0 0
Vanguard Dividend Appreciation ETF ETF 921908844   53,603,050 353,000 SH   SOLE   353,000 0 0
Merck & Co., Inc. COM 58933Y105   45,565,170 410,682 SH   SOLE   410,682 0 0
Travelers Companies, Inc. COM 89417E109   40,349,350 215,208 SH   SOLE   215,208 0 0
PepsiCo, Inc. COM 713448108   34,944,160 193,425 SH   SOLE   193,425 0 0
Applied Materials, Inc. COM 038222105   31,174,060 320,128 SH   SOLE   320,128 0 0
UnitedHealth Group Incorporated COM 91324P102   30,921,690 58,323 SH   SOLE   58,323 0 0
Vanguard Growth ETF ETF 922908736   27,847,510 130,672 SH   SOLE   130,672 0 0
Alphabet Inc. Class A COM 02079K305   27,227,780 308,600 SH   SOLE   308,600 0 0
Invesco S&P Smallcap 600 Pure Value ETF ETF 46137V167   27,087,690 306,488 SH   SOLE   306,488 0 0
Vanguard Information Technology ETF ETF 92204A702   26,287,440 82,300 SH   SOLE   82,300 0 0
McDonald's Corporation COM 580135101   25,299,140 96,001 SH   SOLE   96,001 0 0
Waste Management, Inc. COM 94106L109   25,166,060 160,416 SH   SOLE   160,416 0 0
Home Depot, Inc. COM 437076102   23,790,580 75,320 SH   SOLE   75,320 0 0
Vanguard Short-Term Inflation-Protected Securities ETF ETF 922020805   23,121,450 495,000 SH   SOLE   495,000 0 0
Pfizer Inc. COM 717081103   21,752,150 424,515 SH   SOLE   424,515 0 0
Bristol-Myers Squibb Company COM 110122108   21,318,210 296,292 SH   SOLE   296,292 0 0
Mastercard Incorporated Class A COM 57636Q104   20,820,680 59,876 SH   SOLE   59,876 0 0
American Electric Power Company, Inc. COM 025537101   20,604,150 217,000 SH   SOLE   217,000 0 0
MetLife, Inc. COM 59156R108   20,297,690 280,471 SH   SOLE   280,471 0 0
Union Pacific Corporation COM 907818108   19,329,570 93,348 SH   SOLE   93,348 0 0
Eversource Energy COM 30040W108   18,960,580 226,152 SH   SOLE   226,152 0 0
Amazon.com, Inc. COM 023135106   18,942,000 225,500 SH   SOLE   225,500 0 0
Kimberly-Clark Corporation COM 494368103   17,899,860 131,859 SH   SOLE   131,859 0 0
Allstate Corporation COM 020002101   17,213,200 126,941 SH   SOLE   126,941 0 0
Target Corporation COM 87612E106   17,107,710 114,786 SH   SOLE   114,786 0 0
AbbVie, Inc. COM 00287Y109   15,883,840 98,285 SH   SOLE   98,285 0 0
Cisco Systems, Inc. COM 17275R102   14,986,020 314,568 SH   SOLE   314,568 0 0
Alphabet Inc. Class C COM 02079K107   14,086,780 158,760 SH   SOLE   158,760 0 0
Raytheon Technologies Corporation COM 75513E101   13,542,460 134,190 SH   SOLE   134,190 0 0
NVIDIA Corporation COM 67066G104   13,158,740 90,042 SH   SOLE   90,042 0 0
Avery Dennison Corporation COM 053611109   12,786,560 70,644 SH   SOLE   70,644 0 0
Yum! Brands, Inc. COM 988498101   12,709,890 99,234 SH   SOLE   99,234 0 0
Verizon Communications Inc. COM 92343V104   12,171,450 308,920 SH   SOLE   308,920 0 0
Sun Life Financial Inc. COM 866796105   11,642,510 250,808 SH   SOLE   250,808 0 0
Vanguard European Stock Index Fund Institutional Shares MF 922042502   10,978,790 370,655 SH   SOLE   370,655 0 0
Coca-Cola Company COM 191216100   10,960,000 172,300 SH   SOLE   172,300 0 0
T-Mobile US, Inc. COM 872590104   10,222,800 73,020 SH   SOLE   73,020 0 0
Truist Financial Corporation COM 89832Q109   10,066,310 233,937 SH   SOLE   233,937 0 0
Altria Group Inc COM 02209S103   9,719,683 212,638 SH   SOLE   212,638 0 0
SPDR S&P 500 ETF Trust ETF 78462F103   9,625,763 25,170 SH   SOLE   25,170 0 0
Financial Select Sector SPDR Fund ETF 81369Y605   8,495,622 248,410 SH   SOLE   248,410 0 0
Meta Platforms Inc. Class A COM 30303M102   8,420,190 69,970 SH   SOLE   69,970 0 0
Edison International COM 281020107   8,282,560 130,188 SH   SOLE   130,188 0 0
BrightSphere Investment Group, Inc. COM 10948W103   7,616,822 370,108 SH   SOLE   370,108 0 0
Unilever PLC Sponsored ADR SPONSORED ADR 904767704   7,445,808 147,881 SH   SOLE   147,881 0 0
iShares Core U.S. Aggregate Bond ETF ETF 464287226   6,983,280 72,000 SH   SOLE   72,000 0 0
SPDR Portfolio S&P 500 High Dividend ETF ETF 78468R788   5,842,048 147,601 SH   SOLE   147,601 0 0
Intel Corporation COM 458140100   5,692,705 215,388 SH   SOLE   215,388 0 0
Netflix, Inc. COM 64110L106   5,620,708 19,061 SH   SOLE   19,061 0 0
Microchip Technology Incorporated COM 595017104   5,549,750 79,000 SH   SOLE   79,000 0 0
JPMorgan Chase & Co. COM 46625H100   4,935,416 36,804 SH   SOLE   36,804 0 0
SLM Corp COM 78442P106   4,613,240 277,906 SH   SOLE   277,906 0 0
Lam Research Corporation COM 512807108   4,576,646 10,889 SH   SOLE   10,889 0 0
Broadcom Inc. COM 11135F101   4,112,960 7,356 SH   SOLE   7,356 0 0
Chevron Corporation COM 166764100   3,545,646 19,754 SH   SOLE   19,754 0 0
Advanced Micro Devices, Inc. COM 007903107   3,537,284 54,613 SH   SOLE   54,613 0 0
Franklin Resources, Inc. COM 354613101   3,329,156 126,200 SH   SOLE   126,200 0 0
V.F. Corporation COM 918204108   3,224,213 116,777 SH   SOLE   116,777 0 0
Tesla Inc COM 88160R101   2,972,210 24,129 SH   SOLE   24,129 0 0
Adobe Incorporated COM 00724F101   2,732,624 8,120 SH   SOLE   8,120 0 0
Public Storage COM 74460D109   2,530,116 9,030 SH   SOLE   9,030 0 0
QUALCOMM Incorporated COM 747525103   2,456,280 22,342 SH   SOLE   22,342 0 0
Medtronic Plc COM G5960L103   2,308,362 29,701 SH   SOLE   29,701 0 0
Leidos Holdings, Inc. COM 525327102   2,291,144 21,781 SH   SOLE   21,781 0 0
Invesco Ltd. COM G491BT108   2,270,212 126,193 SH   SOLE   126,193 0 0
APA Corp. COM 03743Q108   2,240,780 48,003 SH   SOLE   48,003 0 0
Bank of America Corp COM 060505104   2,235,865 67,508 SH   SOLE   67,508 0 0
Southern Company COM 842587107   2,142,300 30,000 SH   SOLE   30,000 0 0
Walmart Inc. COM 931142103   2,084,313 14,700 SH   SOLE   14,700 0 0
Salesforce, Inc. COM 79466L302   2,071,586 15,624 SH   SOLE   15,624 0 0
Freeport-McMoRan, Inc. COM 35671D857   2,019,966 53,157 SH   SOLE   53,157 0 0
Boeing Company COM 097023105   1,912,139 10,038 SH   SOLE   10,038 0 0
Visa Inc. Class A COM 92826C839   1,801,902 8,673 SH   SOLE   8,673 0 0
Diamondback Energy, Inc. COM 25278X109   1,643,138 12,013 SH   SOLE   12,013 0 0
O'Reilly Automotive, Inc. COM 67103H107   1,519,254 1,800 SH   SOLE   1,800 0 0
Morgan Stanley COM 617446448   1,473,056 17,326 SH   SOLE   17,326 0 0
HP Inc. COM 40434L105   1,424,110 53,000 SH   SOLE   53,000 0 0
Walgreens Boots Alliance, Inc. COM 931427108   1,359,904 36,400 SH   SOLE   36,400 0 0
Thermo Fisher Scientific Inc. COM 883556102   1,264,384 2,296 SH   SOLE   2,296 0 0
Organon & Co. COM 68622V106   1,147,001 41,067 SH   SOLE   41,067 0 0
Schlumberger NV COM 806857108   1,145,380 21,425 SH   SOLE   21,425 0 0
Otis Worldwide Corporation COM 68902V107   1,144,109 14,610 SH   SOLE   14,610 0 0
Align Technology, Inc. COM 016255101   1,110,599 5,266 SH   SOLE   5,266 0 0
Goldman Sachs Group, Inc. COM 38141G104   1,096,756 3,194 SH   SOLE   3,194 0 0
Chipotle Mexican Grill, Inc. COM 169656105   1,085,017 782 SH   SOLE   782 0 0
Carrier Global Corp. COM 14448C104   1,063,796 25,789 SH   SOLE   25,789 0 0
Pitney Bowes Inc. COM 724479100   1,045,000 275,000 SH   SOLE   275,000 0 0
Celanese Corporation COM 150870103   1,022,400 10,000 SH   SOLE   10,000 0 0
Charles Schwab Corp COM 808513105   990,877 11,901 SH   SOLE   11,901 0 0
MGM Resorts International COM 552953101   981,423 29,270 SH   SOLE   29,270 0 0
Pioneer Natural Resources Company COM 723787107   958,781 4,198 SH   SOLE   4,198 0 0
Cigna Corporation COM 125523100   934,710 2,821 SH   SOLE   2,821 0 0
Ford Motor Company COM 345370860   929,725 79,942 SH   SOLE   79,942 0 0
Northrop Grumman Corp. COM 666807102   927,537 1,700 SH   SOLE   1,700 0 0
Nucor Corporation COM 670346105   925,306 7,020 SH   SOLE   7,020 0 0
Marriott International, Inc. Class A COM 571903202   914,631 6,143 SH   SOLE   6,143 0 0
Etsy, Inc. COM 29786A106   901,704 7,528 SH   SOLE   7,528 0 0
Samsung Electronics Co., Ltd. Sponsored GDR SPONSORED ADR 796050888   874,654 800 SH   SOLE   800 0 0
Invesco QQQ Trust ETF 46090E903   833,456 3,130 SH   SOLE   3,130 0 0
Elevance Health, Inc. COM 036752103   819,213 1,597 SH   SOLE   1,597 0 0
Amgen Inc. COM 031162100   788,183 3,001 SH   SOLE   3,001 0 0
Hershey Company COM 427866108   787,570 3,401 SH   SOLE   3,401 0 0
Teradyne, Inc. COM 880770102   742,475 8,500 SH   SOLE   8,500 0 0
KLA Corporation COM 482480100   739,356 1,961 SH   SOLE   1,961 0 0
Marathon Petroleum Corporation COM 56585A102   735,003 6,315 SH   SOLE   6,315 0 0
HSBC Holdings PLC Sponsored ADR SPONSORED ADR 404280406   716,680 23,000 SH   SOLE   23,000 0 0
Arista Networks, Inc. COM 040413106   706,743 5,824 SH   SOLE   5,824 0 0
Marathon Oil Corporation COM 565849106   706,473 26,098 SH   SOLE   26,098 0 0
Hess Corporation COM 42809H107   706,264 4,980 SH   SOLE   4,980 0 0
Baker Hughes Company Class A COM 05722G100   706,122 23,912 SH   SOLE   23,912 0 0
Albemarle Corporation COM 012653101   701,976 3,237 SH   SOLE   3,237 0 0
Big Lots, Inc. COM 089302103   685,020 46,600 SH   SOLE   46,600 0 0
Tecnoglass Inc. COM G87264100   661,555 21,500 SH   SOLE   21,500 0 0
Synopsys, Inc. COM 871607107   655,503 2,053 SH   SOLE   2,053 0 0
Newell Brands Inc COM 651229106   654,000 50,000 SH   SOLE   50,000 0 0
Royal Caribbean Group COM V7780T103   653,168 13,214 SH   SOLE   13,214 0 0
CBRE Group, Inc. Class A COM 12504L109   640,923 8,328 SH   SOLE   8,328 0 0
Regions Financial Corporation COM 7591EP100   638,500 29,615 SH   SOLE   29,615 0 0
Lincoln National Corp COM 534187109   637,071 20,738 SH   SOLE   20,738 0 0
Abbott Laboratories COM 002824100   631,402 5,751 SH   SOLE   5,751 0 0
Alibaba Group Holding Ltd. Sponsored ADR SPONSORED ADR 01609W102   625,439 7,100 SH   SOLE   7,100 0 0
Devon Energy Corporation COM 25179M103   610,056 9,918 SH   SOLE   9,918 0 0
Raymond James Financial, Inc. COM 754730109   609,045 5,700 SH   SOLE   5,700 0 0
SPDR S&P Dividend ETF ETF 78464A763   600,528 4,800 SH   SOLE   4,800 0 0
Magnolia Oil & Gas Corp. Class A COM 559663109   595,630 25,400 SH   SOLE   25,400 0 0
United Rentals, Inc. COM 911363109   594,973 1,674 SH   SOLE   1,674 0 0
Dollar General Corporation COM 256677105   591,000 2,400 SH   SOLE   2,400 0 0
Viatris, Inc. COM 92556V106   586,896 52,731 SH   SOLE   52,731 0 0
Copart, Inc. COM 217204106   577,603 9,486 SH   SOLE   9,486 0 0
Chemed Corporation COM 16359R103   561,473 1,100 SH   SOLE   1,100 0 0
ConocoPhillips COM 20825C104   543,980 4,610 SH   SOLE   4,610 0 0
Halliburton Company COM 406216101   543,660 13,816 SH   SOLE   13,816 0 0
Campbell Soup Company COM 134429109   539,125 9,500 SH   SOLE   9,500 0 0
Automatic Data Processing, Inc. COM 053015103   525,492 2,200 SH   SOLE   2,200 0 0
Grupo Aeroportuario del Sureste SAB de CV Sponsored ADR Class B SPONSORED ADR 400501102   512,578 2,200 SH   SOLE   2,200 0 0
Mosaic Company COM 61945C103   510,340 11,633 SH   SOLE   11,633 0 0
Fortinet, Inc. COM 34959E109   506,500 10,360 SH   SOLE   10,360 0 0
Western Digital Corporation COM 958102105   504,800 16,000 SH   SOLE   16,000 0 0
Centene Corporation COM 15135B101   503,049 6,134 SH   SOLE   6,134 0 0
ServiceNow, Inc. COM 81762P102   484,173 1,247 SH   SOLE   1,247 0 0
Companhia de Saneamento Basico do Estado de Sao Paulo SABESP Sponsored ADR SPONSORED ADR 20441A102   477,568 44,800 SH   SOLE   44,800 0 0
Atkore Inc COM 047649108   476,364 4,200 SH   SOLE   4,200 0 0
Univar Solutions Inc. COM 91336L107   467,460 14,700 SH   SOLE   14,700 0 0
Bath & Body Works, Inc. COM 070830104   436,992 10,370 SH   SOLE   10,370 0 0
Corteva Inc COM 22052L104   434,972 7,400 SH   SOLE   7,400 0 0
Kroger Co. COM 501044101   432,426 9,700 SH   SOLE   9,700 0 0
News Corporation Class A COM 65249B109   432,068 23,740 SH   SOLE   23,740 0 0
Berkshire Hathaway Inc. Class B COM 084670702   415,779 1,346 SH   SOLE   1,346 0 0
Paycom Software, Inc. COM 70432V102   414,885 1,337 SH   SOLE   1,337 0 0
DXC Technology Co. COM 23355L106   412,817 15,578 SH   SOLE   15,578 0 0
Walt Disney Company COM 254687106   411,029 4,731 SH   SOLE   4,731 0 0
PayPal Holdings, Inc. COM 70450Y103   410,298 5,761 SH   SOLE   5,761 0 0
Cadence Design Systems, Inc. COM 127387108   401,279 2,498 SH   SOLE   2,498 0 0
ORIX Corporation Sponsored ADR SPONSORED ADR 686330101   399,540 4,962 SH   SOLE   4,962 0 0
Vanguard FTSE Emerging Markets ETF ETF 922042858   394,283 10,115 SH   SOLE   10,115 0 0
KT Corporation Sponsored ADR SPONSORED ADR 48268K101   384,750 28,500 SH   SOLE   28,500 0 0
Gen Digital Inc. COM 668771108   380,940 17,776 SH   SOLE   17,776 0 0
FMC Corporation COM 302491303   374,400 3,000 SH   SOLE   3,000 0 0
ON Semiconductor Corporation COM 682189105   374,220 6,000 SH   SOLE   6,000 0 0
American Tower Corporation COM 03027X100   373,721 1,764 SH   SOLE   1,764 0 0
CTS Corporation COM 126501105   368,971 9,360 SH   SOLE   9,360 0 0
Webster Financial Corporation COM 947890109   368,873 7,792 SH   SOLE   7,792 0 0
General Electric Company COM 369604301   355,521 4,243 SH   SOLE   4,243 0 0
Quanta Services, Inc. COM 74762E102   355,253 2,493 SH   SOLE   2,493 0 0
SVB Financial Group COM 78486Q101   338,306 1,470 SH   SOLE   1,470 0 0
Grupo Financiero Banorte SAB de CV Sponsored ADR Class O SPONSORED ADR 40052P107   338,240 9,400 SH   SOLE   9,400 0 0
McKesson Corporation COM 58155Q103   337,608 900 SH   SOLE   900 0 0
Lennar Corporation Class A COM 526057104   329,330 3,639 SH   SOLE   3,639 0 0
Taiwan Semiconductor Manufacturing Co., Ltd. Sponsored ADR SPONSORED ADR 874039100   327,756 4,400 SH   SOLE   4,400 0 0
Dollar Tree, Inc. COM 256746108   319,937 2,262 SH   SOLE   2,262 0 0
Danaher Corporation COM 235851102   319,831 1,205 SH   SOLE   1,205 0 0
eBay Inc. COM 278642103   314,343 7,580 SH   SOLE   7,580 0 0
Kinsale Capital Group, Inc. COM 49714P108   313,824 1,200 SH   SOLE   1,200 0 0
Hilton Worldwide Holdings Inc COM 43300A203   308,066 2,438 SH   SOLE   2,438 0 0
Activision Blizzard, Inc. COM 00507V109   299,157 3,908 SH   SOLE   3,908 0 0
Insight Enterprises, Inc. COM 45765U103   295,797 2,950 SH   SOLE   2,950 0 0
State Street Corporation COM 857477103   294,611 3,798 SH   SOLE   3,798 0 0
AMN Healthcare Services, Inc. COM 001744101   287,896 2,800 SH   SOLE   2,800 0 0
International Business Machines Corporation COM 459200101   287,416 2,040 SH   SOLE   2,040 0 0
Intuitive Surgical, Inc. COM 46120E602   273,045 1,029 SH   SOLE   1,029 0 0
United Microelectronics Corp. Sponsored ADR SPONSORED ADR 910873405   272,954 41,800 SH   SOLE   41,800 0 0
Academy Sports and Outdoors, Inc. COM 00402L107   267,954 5,100 SH   SOLE   5,100 0 0
CVB Financial Corp. COM 126600105   267,800 10,400 SH   SOLE   10,400 0 0
Analog Devices, Inc. COM 032654105   257,035 1,567 SH   SOLE   1,567 0 0
KeyCorp COM 493267108   254,349 14,601 SH   SOLE   14,601 0 0
UFP Industries, Inc. COM 90278Q108   253,600 3,200 SH   SOLE   3,200 0 0
Dr. Reddy's Laboratories Ltd. Sponsored ADR SPONSORED ADR 256135203   253,575 4,900 SH   SOLE   4,900 0 0
Dow, Inc. COM 260557103   252,958 5,020 SH   SOLE   5,020 0 0
Johnson Controls International plc COM G51502105   250,176 3,909 SH   SOLE   3,909 0 0
Discover Financial Services COM 254709108   249,173 2,547 SH   SOLE   2,547 0 0
ICICI Bank Limited Sponsored ADR SPONSORED ADR 45104G104   247,357 11,300 SH   SOLE   11,300 0 0
Electronic Arts Inc. COM 285512109   246,804 2,020 SH   SOLE   2,020 0 0
DexCom, Inc. COM 252131107   245,957 2,172 SH   SOLE   2,172 0 0
PulteGroup, Inc. COM 745867101   240,763 5,288 SH   SOLE   5,288 0 0
LKQ Corporation COM 501889208   231,586 4,336 SH   SOLE   4,336 0 0
PVH Corp. COM 693656100   223,700 3,169 SH   SOLE   3,169 0 0
Capri Holdings Limited COM G1890L107   222,115 3,875 SH   SOLE   3,875 0 0
Sendas Distribuidora SA Sponsored ADR SPONSORED ADR 81689T104   219,720 12,000 SH   SOLE   12,000 0 0
Western Alliance Bancorp COM 957638109   215,607 3,620 SH   SOLE   3,620 0 0
World Wrestling Entertainment, Inc. Class A COM 98156Q108   212,412 3,100 SH   SOLE   3,100 0 0
News Corporation Class B COM 65249B208   212,060 11,500 SH   SOLE   11,500 0 0
iShares Core S&P 500 ETF ETF 464287200   209,010 544 SH   SOLE   544 0 0
Capital One Financial Corp COM 14040H105   202,746 2,181 SH   SOLE   2,181 0 0
Paramount Global Class B COM 92556H206   176,025 10,428 SH   SOLE   10,428 0 0
FinVolution Group Sponsored ADR Class A SPONSORED ADR 31810T101   169,136 34,100 SH   SOLE   34,100 0 0
Norwegian Cruise Line Holdings Ltd. COM G66721104   155,546 12,708 SH   SOLE   12,708 0 0
CSPC Pharmaceutical Group Limited Unsponsored ADR UNSPONSORED ADR 12591J207   124,829 29,700 SH   SOLE   29,700 0 0
BB Seguridade Participacoes SA Sponsored ADR SPONSORED ADR 05541J103   88,752 13,900 SH   SOLE   13,900 0 0
Companhia Energetica de Minas Gerais SA Sponsored ADR SPONSORED ADR 204409882   42,560 14,000 SH   SOLE   14,000 0 0