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 BBG001S5N9M6 247,581 2,445 SH   SOLE   0 0 2,445
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 449,105 2,818 SH   SOLE   0 0 2,818
ALLEGION PLC ORD SHS G0176J109 BBG003PS7JW0 300,018 2,811 SH   SOLE   0 0 2,811
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 488,050 4,705 SH   SOLE   0 0 4,705
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 981,344 9,436 SH   SOLE   0 0 9,436
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 230,953 5,176 SH   SOLE   0 0 5,176
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,837,839 17,793 SH   SOLE   0 0 17,793
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 569,078 3,450 SH   SOLE   0 0 3,450
APPLE INC COM 037833100 BBG001S5N8V8 11,956,282 72,506 SH   SOLE   0 0 72,506
ASML HOLDING N V N Y REGISTRY SHS N07059210 BBG001SCG0R3 220,550 324 SH   SOLE   0 0 324
AT&T INC COM 00206R102 BBG001S5VWH2 244,042 12,678 SH   SOLE   0 0 12,678
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 740,111 25,878 SH   SOLE   0 0 25,878
BECTON DICKINSON & CO COM 075887109 BBG001S5P374 385,420 1,557 SH   SOLE   0 0 1,557
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,572,257 5,092 SH   SOLE   0 0 5,092
BHP GROUP LTD SPONSORED ADS 088606108 BBG001S5P5K4 451,099 7,114 SH   SOLE   0 0 7,114
BLACKROCK MUN TARGET TERM TR COM SHS BEN IN 09257P105 BBG003BPM0W5 662,178 30,487 SH   SOLE   0 0 30,487
BOEING CO COM 097023105 BBG001S5P0V3 476,268 2,242 SH   SOLE   0 0 2,242
BOSTON SCIENTIFIC CORP COM 101137107 BBG001S63L94 269,462 5,386 SH   SOLE   0 0 5,386
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 846,344 12,211 SH   SOLE   0 0 12,211
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201 BBG004K1ZMP2 3,870,502 65,937 SH   SOLE   0 0 65,937
CAPITAL GROUP FIXED INCOME E CORE PLUS INCM 14020Y102 BBG014YZRRT5 2,810,394 123,317 SH   SOLE   0 0 123,317
CATERPILLAR INC COM 149123101 BBG001S5PJ06 275,295 1,203 SH   SOLE   0 0 1,203
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 252,572 1,548 SH   SOLE   0 0 1,548
CISCO SYS INC COM 17275R102 BBG001S6HC62 560,597 10,724 SH   SOLE   0 0 10,724
CITIGROUP INC COM NEW 172967424 BBG001S72ZG4 285,560 6,090 SH   SOLE   0 0 6,090
COCA COLA CO COM 191216100 BBG001S5SMQ8 382,415 6,165 SH   SOLE   0 0 6,165
COLUMBIA ETF TR II EM CORE EX ETF 19762B202 BBG009XW7GY3 2,243,338 82,933 SH   SOLE   0 0 82,933
COLUMBIA ETF TR II EMRG MARKETS ETF 19762B509 BBG001TCB9Y0 238,046 11,629 SH   SOLE   0 0 11,629
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 614,635 16,213 SH   SOLE   0 0 16,213
CONOCOPHILLIPS COM 20825C104 BBG001S5TZM2 209,432 2,111 SH   SOLE   0 0 2,111
CONSOLIDATED EDISON INC COM 209115104 BBG001S5QRL4 544,940 5,696 SH   SOLE   0 0 5,696
CUMMINS INC COM 231021106 BBG001S5Q9M3 260,618 1,091 SH   SOLE   0 0 1,091
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 486,433 6,546 SH   SOLE   0 0 6,546
DANAHER CORPORATION COM 235851102 BBG001S5QGT0 448,883 1,781 SH   SOLE   0 0 1,781
DEERE & CO COM 244199105 BBG001S5QFF7 837,734 2,029 SH   SOLE   0 0 2,029
DIAGEO PLC SPON ADR NEW 25243Q205 BBG001S7V596 328,479 1,813 SH   SOLE   0 0 1,813
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 BBG01254CL28 981,580 23,096 SH   SOLE   0 0 23,096
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 BBG017158GJ6 2,102,804 89,953 SH   SOLE   0 0 89,953
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 BBG00Y2PHW26 1,556,958 67,635 SH   SOLE   0 0 67,635
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 BBG012G21Y06 1,038,999 32,237 SH   SOLE   0 0 32,237
DISNEY WALT CO COM 254687106 BBG001S5QHF3 671,772 6,709 SH   SOLE   0 0 6,709
EATON CORP PLC SHS G29183103 BBG001S5QZ45 294,705 1,720 SH   SOLE   0 0 1,720
EOG RES INC COM 26875P101 BBG001S5ZB93 225,936 1,971 SH   SOLE   0 0 1,971
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 2,009,520 18,325 SH   SOLE   0 0 18,325
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 1,813,029 39,414 SH   SOLE   0 0 39,414
FIRSTENERGY CORP COM 337932107 BBG001S5R3N4 413,740 10,328 SH   SOLE   0 0 10,328
FREEPORT-MCMORAN INC CL B 35671D857 BBG001S5R3F3 252,578 6,174 SH   SOLE   0 0 6,174
GENERAL ELECTRIC CO COM NEW 369604301 BBG001S5PVD5 427,619 4,473 SH   SOLE   0 0 4,473
HENRY SCHEIN INC COM 806407102 BBG001S6S7F1 256,688 3,148 SH   SOLE   0 0 3,148
HOME DEPOT INC COM 437076102 BBG001S5RTW7 1,180,185 3,999 SH   SOLE   0 0 3,999
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 623,051 3,260 SH   SOLE   0 0 3,260
INGERSOLL RAND INC COM 45687V106 BBG002R1CW36 930,938 16,001 SH   SOLE   0 0 16,001
INTEL CORP COM 458140100 BBG001S5SF65 370,184 11,331 SH   SOLE   0 0 11,331
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 BBG001SS8729 2,137,439 48,512 SH   SOLE   0 0 48,512
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 BBG001SSJYS0 197,976 10,783 SH   SOLE   0 0 10,783
INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214 BBG001SS78M6 224,420 8,496 SH   SOLE   0 0 8,496
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 BBG001S6H5N8 7,810,936 49,821 SH   SOLE   0 0 49,821
INVESCO EXCHANGE TRADED FD T INTL DIVI ACHI 46137V548 BBG001SLKDX3 1,815,094 101,800 SH   SOLE   0 0 101,800
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431 BBG001V28DF5 1,440,546 16,888 SH   SOLE   0 0 16,888
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 9,345,489 64,621 SH   SOLE   0 0 64,621
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258 BBG00KJR2X19 659,040 8,683 SH   SOLE   0 0 8,683
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 610,088 1,901 SH   SOLE   0 0 1,901
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 345,043 7,072 SH   SOLE   0 0 7,072
ISHARES INC MSCI EMRG CHN 46434G764 BBG00H5VLN77 331,596 6,722 SH   SOLE   0 0 6,722
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 3,035,545 30,591 SH   SOLE   0 0 30,591
ISHARES TR 0-5YR INVT GR CP 46434V100 BBG005DW0468 4,065,727 83,864 SH   SOLE   0 0 83,864
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 236,553 4,732 SH   SOLE   0 0 4,732
ISHARES TR CORE DIVID ETF 46435U861 BBG00J5M0G99 3,127,700 83,785 SH   SOLE   0 0 83,785
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 736,085 11,011 SH   SOLE   0 0 11,011
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 520,194 8,397 SH   SOLE   0 0 8,397
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 3,003,921 12,008 SH   SOLE   0 0 12,008
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 2,749,084 28,429 SH   SOLE   0 0 28,429
ISHARES TR CORE S&P US VLU 464287663 BBG001SFQL80 2,841,563 38,514 SH   SOLE   0 0 38,514
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 6,063,178 14,749 SH   SOLE   0 0 14,749
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 1,746,757 18,646 SH   SOLE   0 0 18,646
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 1,050,471 17,652 SH   SOLE   0 0 17,652
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 566,927 11,682 SH   SOLE   0 0 11,682
ISHARES TR FALN ANGLS USD 46435G474 BBG00D332C84 1,921,531 76,040 SH   SOLE   0 0 76,040
ISHARES TR FLTG RATE NT ETF 46429B655 BBG001V1QYX1 254,016 5,041 SH   SOLE   0 0 5,041
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 475,587 6,295 SH   SOLE   0 0 6,295
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 738,035 6,733 SH   SOLE   0 0 6,733
ISHARES TR INTERNATIONAL SL 46434V266 BBG008LP7B65 394,374 12,688 SH   SOLE   0 0 12,688
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 283,782 5,615 SH   SOLE   0 0 5,615
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 254,092 4,955 SH   SOLE   0 0 4,955
ISHARES TR MRGSTR SM CP GR 464288604 BBG001SBRKD4 860,846 22,083 SH   SOLE   0 0 22,083
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 491,986 6,879 SH   SOLE   0 0 6,879
ISHARES TR MSCI EAFE MIN VL 46429B689 BBG0025X2WP7 1,298,474 19,194 SH   SOLE   0 0 19,194
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 2,595,936 20,924 SH   SOLE   0 0 20,924
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 3,589,681 33,318 SH   SOLE   0 0 33,318
ISHARES TR NEW YORK MUN ETF 464288323 BBG001T03XV5 624,141 11,664 SH   SOLE   0 0 11,664
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 2,071,666 9,198 SH   SOLE   0 0 9,198
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 5,033,442 20,601 SH   SOLE   0 0 20,601
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 9,231,164 60,628 SH   SOLE   0 0 60,628
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 333,073 1,867 SH   SOLE   0 0 1,867
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 874,913 13,694 SH   SOLE   0 0 13,694
ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 499,354 6,983 SH   SOLE   0 0 6,983
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 1,758,292 17,109 SH   SOLE   0 0 17,109
ISHARES TR S&P SML 600 GWT 464287887 BBG001SFQL44 339,934 3,092 SH   SOLE   0 0 3,092
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 925,136 7,895 SH   SOLE   0 0 7,895
ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 358,575 3,831 SH   SOLE   0 0 3,831
ISHARES TR US TREAS BD ETF 46429B267 BBG002NCKPP8 224,331 9,595 SH   SOLE   0 0 9,595
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 BBG00J5DPW97 4,620,110 112,057 SH   SOLE   0 0 112,057
JANUS DETROIT STR TR HENDERSN SML ETF 47103U209 BBG00C9Y3BD7 821,677 14,631 SH   SOLE   0 0 14,631
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 886,910 5,722 SH   SOLE   0 0 5,722
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 763,617 5,860 SH   SOLE   0 0 5,860
LILLY ELI & CO COM 532457108 BBG001S5STL8 856,833 2,495 SH   SOLE   0 0 2,495
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 BBG001SDX252 59,067 25,460 SH   SOLE   0 0 25,460
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 554,985 1,174 SH   SOLE   0 0 1,174
LOWES COS INC COM 548661107 BBG001S5SVL3 711,693 3,559 SH   SOLE   0 0 3,559
MERCK & CO INC COM 58933Y105 BBG001S5TC52 1,465,309 13,773 SH   SOLE   0 0 13,773
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 434,477 2,050 SH   SOLE   0 0 2,050
MICROSOFT CORP COM 594918104 BBG001S5TD05 3,696,294 12,821 SH   SOLE   0 0 12,821
MODERNA INC COM 60770K107 BBG003PHHZV8 201,651 1,313 SH   SOLE   0 0 1,313
MONDELEZ INTL INC CL A 609207105 BBG001SHHZJ3 237,466 3,406 SH   SOLE   0 0 3,406
MORGAN STANLEY COM NEW 617446448 BBG001S9V5Z3 508,450 5,791 SH   SOLE   0 0 5,791
NIKE INC CL B 654106103 BBG001S6NTK2 383,127 3,124 SH   SOLE   0 0 3,124
NORFOLK SOUTHN CORP COM 655844108 BBG001S5TQJ6 434,812 2,051 SH   SOLE   0 0 2,051
NUVEEN MUN VALUE FD INC COM 670928100 BBG001S5TS84 134,687 15,288 SH   SOLE   0 0 15,288
NUVEEN N Y SELECT TAX FREE I SH BEN INT 67063V104 BBG001S72H47 535,803 44,465 SH   SOLE   0 0 44,465
NUVEEN NEW JERSEY QULT MUN F COM 67069Y102 BBG001SHM0F8 311,708 26,619 SH   SOLE   0 0 26,619
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 517,763 1,864 SH   SOLE   0 0 1,864
ORACLE CORP COM 68389X105 BBG001S5SJG6 1,452,897 15,636 SH   SOLE   0 0 15,636
PEPSICO INC COM 713448108 BBG001S695T1 573,516 3,146 SH   SOLE   0 0 3,146
PFIZER INC COM 717081103 BBG001S5V466 1,042,603 25,554 SH   SOLE   0 0 25,554
PIMCO ETF TR ACTIVE BD ETF 72201R775 BBG002N12C17 748,533 8,070 SH   SOLE   0 0 8,070
PIMCO ETF TR INTER MUN BD ACT 72201R866 BBG001SF6Y39 1,207,624 23,108 SH   SOLE   0 0 23,108
PNC FINL SVCS GROUP INC COM 693475105 BBG001S5V947 407,483 3,206 SH   SOLE   0 0 3,206
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 514,170 3,458 SH   SOLE   0 0 3,458
PROSHARES TR S&P 500 DV ARIST 74348A467 BBG005D266P2 2,986,924 32,737 SH   SOLE   0 0 32,737
PROSHARES TR S&P MDCP 400 DIV 74347B680 BBG0081VJCK3 208,571 2,948 SH   SOLE   0 0 2,948
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 BBG001S5V3C1 266,537 4,268 SH   SOLE   0 0 4,268
QUALCOMM INC COM 747525103 BBG001S6VS70 601,667 4,716 SH   SOLE   0 0 4,716
RAYTHEON TECHNOLOGIES CORP COM 75513E101 BBG001S5X5Q9 382,025 3,901 SH   SOLE   0 0 3,901
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 2,359,088 71,207 SH   SOLE   0 0 71,207
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 BBG001S7T223 338,615 10,532 SH   SOLE   0 0 10,532
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 BBG001S7T232 262,259 2,592 SH   SOLE   0 0 2,592
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 398,666 2,640 SH   SOLE   0 0 2,640
SOUTHERN CO COM 842587107 BBG001S5W777 344,514 4,951 SH   SOLE   0 0 4,951
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,307,182 3,193 SH   SOLE   0 0 3,193
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 BBG001S63NQ1 1,600,768 3,492 SH   SOLE   0 0 3,492
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 1,533,868 32,258 SH   SOLE   0 0 32,258
SPDR SER TR NUVEEN BLOOMBERG 78464A284 BBG001V11QG4 253,104 10,108 SH   SOLE   0 0 10,108
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 1,499,733 39,707 SH   SOLE   0 0 39,707
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 4,474,367 151,008 SH   SOLE   0 0 151,008
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 4,627,100 83,582 SH   SOLE   0 0 83,582
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 3,860,785 94,813 SH   SOLE   0 0 94,813
STRYKER CORPORATION COM 863667101 BBG001S8FR03 654,297 2,292 SH   SOLE   0 0 2,292
SYSCO CORP COM 871829107 BBG001S5WJS8 325,138 4,210 SH   SOLE   0 0 4,210
TARGET CORP COM 87612E106 BBG001SC0K41 218,963 1,322 SH   SOLE   0 0 1,322
TESLA INC COM 88160R101 BBG001SQKGD7 213,269 1,028 SH   SOLE   0 0 1,028
THE CIGNA GROUP COM 125523100 BBG00KXRCDQ9 262,429 1,027 SH   SOLE   0 0 1,027
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 213,833 371 SH   SOLE   0 0 371
TJX COS INC NEW COM 872540109 BBG001S5WQ93 218,546 2,789 SH   SOLE   0 0 2,789
TRANE TECHNOLOGIES PLC SHS G8994E103 BBG001S5SBV6 2,548,859 13,854 SH   SOLE   0 0 13,854
UNILEVER PLC SPON ADR NEW 904767704 BBG001S5X1K4 256,950 4,948 SH   SOLE   0 0 4,948
UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 627,558 3,235 SH   SOLE   0 0 3,235
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 802,930 1,699 SH   SOLE   0 0 1,699
VALLEY NATL BANCORP COM 919794107 BBG001S7H654 104,366 11,295 SH   SOLE   0 0 11,295
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 BBG001SZDBR1 585,231 11,311 SH   SOLE   0 0 11,311
VANECK ETF TRUST IG FLOATING RATE 92189F486 BBG001V14Q53 438,848 17,575 SH   SOLE   0 0 17,575
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387 BBG005T08310 2,033,873 91,246 SH   SOLE   0 0 91,246
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 BBG001TC6MR5 1,157,022 13,031 SH   SOLE   0 0 13,031
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 469,945 1,884 SH   SOLE   0 0 1,884
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 343,917 1,841 SH   SOLE   0 0 1,841
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 428,800 2,033 SH   SOLE   0 0 2,033
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 290,640 3,500 SH   SOLE   0 0 3,500
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 4,623,781 12,295 SH   SOLE   0 0 12,295
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 2,198,321 13,847 SH   SOLE   0 0 13,847
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 5,825,756 42,182 SH   SOLE   0 0 42,182
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 414,020 3,790 SH   SOLE   0 0 3,790
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 583,834 12,209 SH   SOLE   0 0 12,209
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 2,253,509 44,483 SH   SOLE   0 0 44,483
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 3,514,438 43,810 SH   SOLE   0 0 43,810
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 1,136,355 14,907 SH   SOLE   0 0 14,907
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 378,644 2,459 SH   SOLE   0 0 2,459
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 1,016,144 22,496 SH   SOLE   0 0 22,496
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 1,608,287 21,828 SH   SOLE   0 0 21,828
VANGUARD WORLD FD MEGA GRWTH IND 921910816 BBG001T0Y6W9 2,103,590 10,286 SH   SOLE   0 0 10,286
VISA INC COM CL A 92826C839 BBG001SRCFY3 507,060 2,249 SH   SOLE   0 0 2,249
WALMART INC COM 931142103 BBG001S5XH92 392,217 2,660 SH   SOLE   0 0 2,660
WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 449,794 12,033 SH   SOLE   0 0 12,033
WISDOMTREE TR GLB US QTLY DIV 97717W844 BBG001SHL791 977,943 27,571 SH   SOLE   0 0 27,571
WISDOMTREE TR ITL HIGH DIV FD 97717W802 BBG001SHLHN3 1,366,883 36,305 SH   SOLE   0 0 36,305
WISDOMTREE TR US MIDCAP DIVID 97717W505 BBG001SHKG74 214,940 5,245 SH   SOLE   0 0 5,245
WISDOMTREE TR US MIDCAP FUND 97717W570 BBG001SSZB66 2,350,762 47,261 SH   SOLE   0 0 47,261