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
3M CO COM 88579Y101   243,417 2,382 SH   SOLE   0 0 2,382
ABBOTT LABS COM 002824100   284,964 2,742 SH   SOLE   0 0 2,742
ABBVIE INC COM 00287Y109   361,861 2,110 SH   SOLE   0 0 2,110
AGCO CORP COM 001084102   213,378 2,180 SH   SOLE   0 0 2,180
ALNYLAM PHARMACEUTICALS INC COM 02043Q107   216,756 892 SH   SOLE   0 0 892
ALPHABET INC CAP STK CL C 02079K107   273,535 1,491 SH   SOLE   0 0 1,491
ALPHABET INC CAP STK CL A 02079K305   1,525,200 8,373 SH   SOLE   0 0 8,373
ALTRIA GROUP INC COM 02209S103   382,893 8,406 SH   SOLE   0 0 8,406
AMAZON COM INC COM 023135106   2,168,815 11,223 SH   SOLE   0 0 11,223
AON PLC SHS CL A G0403H108   367,240 1,251 SH   SOLE   0 0 1,251
APPLE INC COM 037833100   5,672,124 26,931 SH   SOLE   0 0 26,931
APPLIED MATLS INC COM 038222105   518,849 2,199 SH   SOLE   0 0 2,199
ASML HOLDING N V N Y REGISTRY SHS N07059210   271,023 265 SH   SOLE   0 0 265
AT&T INC COM 00206R102   401,416 21,006 SH   SOLE   0 0 21,006
BANCO SANTANDER S.A. ADR 05964H105   94,771 20,469 SH   SOLE   0 0 20,469
BANK AMERICA CORP COM 060505104   545,994 13,729 SH   SOLE   0 0 13,729
BARCLAYS PLC ADR 06738E204   168,308 15,715 SH   SOLE   0 0 15,715
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   723,290 1,778 SH   SOLE   0 0 1,778
BLACKROCK CORE BD TR SHS BEN INT 09249E101   3,598,188 337,858 SH   SOLE   0 0 337,858
BLACKROCK INC COM 09247X101   241,979 307 SH   SOLE   0 0 307
BOOKING HOLDINGS INC COM 09857L108   701,186 177 SH   SOLE   0 0 177
BRISTOL-MYERS SQUIBB CO COM 110122108   343,204 8,264 SH   SOLE   0 0 8,264
BROADCOM INC COM 11135F101   1,124,020 700 SH   SOLE   0 0 700
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104   296,343 10,066 SH   SOLE   0 0 10,066
CATERPILLAR INC COM 149123101   272,476 818 SH   SOLE   0 0 818
CHEVRON CORP NEW COM 166764100   448,239 2,866 SH   SOLE   0 0 2,866
CHUBB LIMITED COM H1467J104   203,044 796 SH   SOLE   0 0 796
CINCINNATI FINL CORP COM 172062101   273,874 2,319 SH   SOLE   0 0 2,319
CISCO SYS INC COM 17275R102   329,212 6,929 SH   SOLE   0 0 6,929
CITIGROUP INC COM NEW 172967424   368,385 5,805 SH   SOLE   0 0 5,805
CITIZENS FINL GROUP INC COM 174610105   239,744 6,654 SH   SOLE   0 0 6,654
CME GROUP INC COM 12572Q105   222,944 1,134 SH   SOLE   0 0 1,134
CNH INDL N V SHS N20944109   168,705 16,654 SH   SOLE   0 0 16,654
COCA COLA CO COM 191216100   429,831 6,753 SH   SOLE   0 0 6,753
COMCAST CORP NEW CL A 20030N101   436,442 11,145 SH   SOLE   0 0 11,145
CONOCOPHILLIPS COM 20825C104   216,636 1,894 SH   SOLE   0 0 1,894
CORTEVA INC COM 22052L104   203,209 3,767 SH   SOLE   0 0 3,767
COSTCO WHSL CORP NEW COM 22160K105   419,893 494 SH   SOLE   0 0 494
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   3,868,743 103,194 SH   SOLE   0 0 103,194
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   185,067,160 6,237,518 SH   SOLE   0 0 6,237,518
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   73,386 1,247 SH   SOLE   0 0 1,247
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   15,260 254 SH   SOLE   0 0 254
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666   363,514 12,574 SH   SOLE   0 0 12,574
DIMENSIONAL ETF TRUST GLOBAL SUSTAINA 25434V674   4,139 81 SH   SOLE   0 0 81
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   384,526 11,927 SH   SOLE   0 0 11,927
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716   4,183 120 SH   SOLE   0 0 120
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   35,107 894 SH   SOLE   0 0 894
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   202,536 7,577 SH   SOLE   0 0 7,577
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   266,440 9,903 SH   SOLE   0 0 9,903
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   343,242 13,056 SH   SOLE   0 0 13,056
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   22,139 616 SH   SOLE   0 0 616
DISNEY WALT CO COM 254687106   338,978 3,414 SH   SOLE   0 0 3,414
DNP SELECT INCOME FD INC COM 23325P104   92,560 11,260 SH   SOLE   0 0 11,260
DOW INC COM 260557103   27,731,470 522,742 SH   SOLE   0 0 522,742
DUPONT DE NEMOURS INC COM 26614N102   299,618 3,722 SH   SOLE   0 0 3,722
EATON CORP PLC SHS G29183103   294,737 940 SH   SOLE   0 0 940
ELI LILLY & CO COM 532457108   5,130,730 5,667 SH   SOLE   0 0 5,667
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   248,831 15,341 SH   SOLE   0 0 15,341
EXXON MOBIL CORP COM 30231G102   1,564,431 13,590 SH   SOLE   0 0 13,590
FINVOLUTION GROUP SPONSORED ADS 31810T101   53,725 11,263 SH   SOLE   0 0 11,263
FIRST TR SPECIALTY FIN & FIN COM BEN INTR 33733G109   163,357 41,994 SH   SOLE   0 0 41,994
FORTINET INC COM 34959E109   211,427 3,508 SH   SOLE   0 0 3,508
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   76,058 11,940 SH   SOLE   0 0 11,940
GABELLI EQUITY TR INC COM 362397101   71,403 13,731 SH   SOLE   0 0 13,731
GE AEROSPACE COM NEW 369604301   1,017,370 6,400 SH   SOLE   0 0 6,400
GENERAL MTRS CO COM 37045V100   242,986 5,230 SH   SOLE   0 0 5,230
GLOBAL PMTS INC COM 37940X102   226,568 2,343 SH   SOLE   0 0 2,343
HEXCEL CORP NEW COM 428291108   228,005 3,651 SH   SOLE   0 0 3,651
HOME DEPOT INC COM 437076102   560,524 1,628 SH   SOLE   0 0 1,628
HONDA MOTOR LTD ADR ECH CNV IN 3 438128308   252,020 7,817 SH   SOLE   0 0 7,817
HUNTINGTON INGALLS INDS INC COM 446413106   214,553 871 SH   SOLE   0 0 871
INTERNATIONAL BUSINESS MACHS COM 459200101   294,188 1,701 SH   SOLE   0 0 1,701
INVESCO EXCHANGE TRADED FD T AEROSPACE DEFN 46137V100   118,128 1,150 SH   SOLE   0 0 1,150
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233   50,325 1,100 SH   SOLE   0 0 1,100
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   28,085 442 SH   SOLE   0 0 442
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   106,947 651 SH   SOLE   0 0 651
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480   104,760 2,000 SH   SOLE   0 0 2,000
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   51,726 1,363 SH   SOLE   0 0 1,363
INVESCO QQQ TR UNIT SER 1 46090E103   367,059 766 SH   SOLE   0 0 766
ISHARES INC MSCI WORLD ETF 464286392   74,187 503 SH   SOLE   0 0 503
ISHARES INC MSCI GBL MIN VOL 464286525   3,834,637 36,646 SH   SOLE   0 0 36,646
ISHARES INC MSCI FRANCE ETF 464286707   2,191 58 SH   SOLE   0 0 58
ISHARES INC MSCI SWITZERLAND 464286749   2,218 46 SH   SOLE   0 0 46
ISHARES INC MSCI GERMANY ETF 464286806   2,358 77 SH   SOLE   0 0 77
ISHARES INC MSCI NETHERL ETF 464286814   2,411 48 SH   SOLE   0 0 48
ISHARES INC CORE MSCI EMKT 46434G103   558,264 10,429 SH   SOLE   0 0 10,429
ISHARES INC MSCI JPN ETF NEW 46434G822   3,548 52 SH   SOLE   0 0 52
ISHARES TR CORE S&P TTL STK 464287150   128,282 1,080 SH   SOLE   0 0 1,080
ISHARES TR CORE US AGGBD ET 464287226   13,934,981 143,556 SH   SOLE   0 0 143,556
ISHARES TR IBOXX INV CP ETF 464287242   4,820 45 SH   SOLE   0 0 45
ISHARES TR S&P 500 GRWT ETF 464287309   368,217 3,979 SH   SOLE   0 0 3,979
ISHARES TR GLOB HLTHCRE ETF 464287325   44,935 484 SH   SOLE   0 0 484
ISHARES TR GLOBAL ENERG ETF 464287341   26,027 627 SH   SOLE   0 0 627
ISHARES TR S&P 500 VAL ETF 464287408   253,904 1,395 SH   SOLE   0 0 1,395
ISHARES TR 7-10 YR TRSY BD 464287440   12,830 137 SH   SOLE   0 0 137
ISHARES TR MSCI EAFE ETF 464287465   26,162 334 SH   SOLE   0 0 334
ISHARES TR RUS MDCP VAL ETF 464287473   210,512 1,744 SH   SOLE   0 0 1,744
ISHARES TR RUS MD CP GR ETF 464287481   74,615 676 SH   SOLE   0 0 676
ISHARES TR RUS MID CAP ETF 464287499   416 5 SH   SOLE   0 0 5
ISHARES TR CORE S&P MCP ETF 464287507   32,420 554 SH   SOLE   0 0 554
ISHARES TR ISHARES SEMICDTR 464287523   20,378 83 SH   SOLE   0 0 83
ISHARES TR ISHARES BIOTECH 464287556   17,432 127 SH   SOLE   0 0 127
ISHARES TR RUS 1000 VAL ETF 464287598   102,065 585 SH   SOLE   0 0 585
ISHARES TR RUS 1000 GRW ETF 464287614   102,545 281 SH   SOLE   0 0 281
ISHARES TR RUS 1000 ETF 464287622   52,823 178 SH   SOLE   0 0 178
ISHARES TR RUS 2000 GRW ETF 464287648   36,707 140 SH   SOLE   0 0 140
ISHARES TR RUSSELL 2000 ETF 464287655   53,969 266 SH   SOLE   0 0 266
ISHARES TR CORE S&P US VLU 464287663   413,330 4,690 SH   SOLE   0 0 4,690
ISHARES TR CORE S&P US GWT 464287671   15,680 123 SH   SOLE   0 0 123
ISHARES TR U.S. TECH ETF 464287721   68,101 453 SH   SOLE   0 0 453
ISHARES TR CORE S&P SCP ETF 464287804   24,224 227 SH   SOLE   0 0 227
ISHARES TR US CONSM STAPLES 464287812   85,610 1,302 SH   SOLE   0 0 1,302
ISHARES TR SP SMCP600VL ETF 464287879   385,967 3,968 SH   SOLE   0 0 3,968
ISHARES TR GL CLEAN ENE ETF 464288224   759 57 SH   SOLE   0 0 57
ISHARES TR MSCI ACWI ETF 464288257   1,705,220 15,171 SH   SOLE   0 0 15,171
ISHARES TR GLB INFRASTR ETF 464288372   623 13 SH   SOLE   0 0 13
ISHARES TR IBOXX HI YD ETF 464288513   29,930 388 SH   SOLE   0 0 388
ISHARES TR GLOBAL MATER ETF 464288695   24,366 287 SH   SOLE   0 0 287
ISHARES TR US AER DEF ETF 464288760   33,013 250 SH   SOLE   0 0 250
ISHARES TR US TREAS BD ETF 46429B267   62,899,347 2,786,856 SH   SOLE   0 0 2,786,856
ISHARES TR MSCI DENMARK ETF 46429B523   2,390 19 SH   SOLE   0 0 19
ISHARES TR MSCI EAFE MIN VL 46429B689   138,086 1,991 SH   SOLE   0 0 1,991
ISHARES TR MSCI USA MIN VOL 46429B697   254,735 3,034 SH   SOLE   0 0 3,034
ISHARES TR MSCI USA QLT FCT 46432F339   456,271 2,672 SH   SOLE   0 0 2,672
ISHARES TR MSCI USA MMENTM 46432F396   203,249 1,043 SH   SOLE   0 0 1,043
ISHARES TR CORE MSCI EAFE 46432F842   8,056,067 110,904 SH   SOLE   0 0 110,904
ISHARES TR INTERNATIONAL SL 46434V266   62,139 1,928 SH   SOLE   0 0 1,928
ISHARES TR US SML CAP EQT 46434V290   84,041 1,373 SH   SOLE   0 0 1,373
ISHARES TR GLOBAL EQUITY 46434V316   256,256 6,046 SH   SOLE   0 0 6,046
ISHARES TR MSCI SAUDI ARBIA 46434V423   2,072 51 SH   SOLE   0 0 51
ISHARES TR MSCI INTL QUALTY 46434V456   167,954 4,301 SH   SOLE   0 0 4,301
ISHARES TR CORE DIV GRWTH 46434V621   2,420 42 SH   SOLE   0 0 42
ISHARES TR GLOBAL REIT ETF 46434V647   32,852 1,413 SH   SOLE   0 0 1,413
ISHARES TR YLD OPTIM BD 46434V787   403,033 18,171 SH   SOLE   0 0 18,171
ISHARES TR ESG AWR MSCI USA 46435G425   1,037,249 8,693 SH   SOLE   0 0 8,693
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209   46,601 843 SH   SOLE   0 0 843
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308   155,642 2,878 SH   SOLE   0 0 2,878
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   11,336 200 SH   SOLE   0 0 200
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   620,478 12,294 SH   SOLE   0 0 12,294
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852   1,510,121 32,045 SH   SOLE   0 0 32,045
JABIL INC COM 466313103   427,327 3,928 SH   SOLE   0 0 3,928
JOHNSON & JOHNSON COM 478160104   996,100 6,815 SH   SOLE   0 0 6,815
JPMORGAN CHASE & CO. COM 46625H100   980,636 4,848 SH   SOLE   0 0 4,848
KLA CORP COM NEW 482480100   343,192 416 SH   SOLE   0 0 416
KROGER CO COM 501044101   236,818 4,743 SH   SOLE   0 0 4,743
LAKELAND FINL CORP COM 511656100   1,792,939 29,144 SH   SOLE   0 0 29,144
LAM RESEARCH CORP COM 512807108   277,926 261 SH   SOLE   0 0 261
LINCOLN NATL CORP IND COM 534187109   241,616 7,769 SH   SOLE   0 0 7,769
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   68,935 25,251 SH   SOLE   0 0 25,251
MASTERCARD INCORPORATED CL A 57636Q104   534,870 1,212 SH   SOLE   0 0 1,212
MCDONALDS CORP COM 580135101   520,449 2,042 SH   SOLE   0 0 2,042
MCKESSON CORP COM 58155Q103   213,759 366 SH   SOLE   0 0 366
MERCK & CO INC COM 58933Y105   262,580 2,121 SH   SOLE   0 0 2,121
META PLATFORMS INC CL A 30303M102   1,135,062 2,251 SH   SOLE   0 0 2,251
MICRON TECHNOLOGY INC COM 595112103   224,916 1,710 SH   SOLE   0 0 1,710
MICROSOFT CORP COM 594918104   3,503,823 7,839 SH   SOLE   0 0 7,839
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   109,210 10,112 SH   SOLE   0 0 10,112
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   139,797 33,049 SH   SOLE   0 0 33,049
NETFLIX INC COM 64110L106   233,508 346 SH   SOLE   0 0 346
NOMURA HLDGS INC SPONSORED ADR 65535H208   58,852 10,182 SH   SOLE   0 0 10,182
NORFOLK SOUTHN CORP COM 655844108   838,794 3,907 SH   SOLE   0 0 3,907
NORTHROP GRUMMAN CORP COM 666807102   229,525 526 SH   SOLE   0 0 526
NOVO-NORDISK A S ADR 670100205   203,833 1,428 SH   SOLE   0 0 1,428
NVIDIA CORPORATION COM 67066G104   2,780,769 22,509 SH   SOLE   0 0 22,509
NXP SEMICONDUCTORS N V COM N6596X109   328,828 1,222 SH   SOLE   0 0 1,222
ORACLE CORP COM 68389X105   497,554 3,524 SH   SOLE   0 0 3,524
ORANGE SPONSORED ADR 684060106   122,188 12,231 SH   SOLE   0 0 12,231
PACKAGING CORP AMER COM 695156109   232,947 1,276 SH   SOLE   0 0 1,276
PEPSICO INC COM 713448108   515,957 3,128 SH   SOLE   0 0 3,128
PETCO HEALTH & WELLNESS CO I COM 71601V105   61,285 16,213 SH   SOLE   0 0 16,213
PFIZER INC COM 717081103   227,260 8,122 SH   SOLE   0 0 8,122
PIMCO CORPORATE & INCOME OPP COM 72201B101   4,176,688 291,872 SH   SOLE   0 0 291,872
PIMCO ETF TR ACTIVE BD ETF 72201R775   1,752 19 SH   SOLE   0 0 19
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   858,846 8,533 SH   SOLE   0 0 8,533
PROCTER AND GAMBLE CO COM 742718109   361,793 2,194 SH   SOLE   0 0 2,194
PROGRESSIVE CORP COM 743315103   237,413 1,143 SH   SOLE   0 0 1,143
R1 RCM INC COM 77634L105   263,860 21,008 SH   SOLE   0 0 21,008
RALPH LAUREN CORP CL A 751212101   206,746 1,181 SH   SOLE   0 0 1,181
ROBERT HALF INC. COM 770323103   204,864 3,202 SH   SOLE   0 0 3,202
ROSS STORES INC COM 778296103   201,123 1,384 SH   SOLE   0 0 1,384
SALESFORCE INC COM 79466L302   334,487 1,301 SH   SOLE   0 0 1,301
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   16,262,394 258,667 SH   SOLE   0 0 258,667
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   175,788 2,736 SH   SOLE   0 0 2,736
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   657,779 6,523 SH   SOLE   0 0 6,523
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   11,779 159 SH   SOLE   0 0 159
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   202,981 2,608 SH   SOLE   0 0 2,608
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   13,049 275 SH   SOLE   0 0 275
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   30,429 690 SH   SOLE   0 0 690
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   22,151 834 SH   SOLE   0 0 834
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730   31,522 1,066 SH   SOLE   0 0 1,066
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748   8,760 252 SH   SOLE   0 0 252
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   38,043 1,086 SH   SOLE   0 0 1,086
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   64,502 963 SH   SOLE   0 0 963
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,572,852 20,227 SH   SOLE   0 0 20,227
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   24,166 629 SH   SOLE   0 0 629
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   2,794,131 57,292 SH   SOLE   0 0 57,292
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   17,505 492 SH   SOLE   0 0 492
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   9,802 111 SH   SOLE   0 0 111
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   201,572 1,383 SH   SOLE   0 0 1,383
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   251,530 1,379 SH   SOLE   0 0 1,379
SELECT SECTOR SPDR TR ENERGY 81369Y506   699,090 7,670 SH   SOLE   0 0 7,670
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   48,633 1,183 SH   SOLE   0 0 1,183
SELECT SECTOR SPDR TR INDL 81369Y704   173,787 1,426 SH   SOLE   0 0 1,426
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   153,610 679 SH   SOLE   0 0 679
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   77,779 908 SH   SOLE   0 0 908
SNOWFLAKE INC CL A 833445109   244,513 1,810 SH   SOLE   0 0 1,810
SPDR GOLD TR GOLD SHS 78463V107   471,517 2,193 SH   SOLE   0 0 2,193
SPDR INDEX SHS FDS MSCI WRLD STRGIC 78463X418   2,711,183 22,537 SH   SOLE   0 0 22,537
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   2,160 52 SH   SOLE   0 0 52
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   45,499 1,297 SH   SOLE   0 0 1,297
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,327,686 2,440 SH   SOLE   0 0 2,440
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   321,048 600 SH   SOLE   0 0 600
SPDR SER TR S&P OILGAS EXP 78468R556   59,049 406 SH   SOLE   0 0 406
SPDR SER TR S&P KENSHO NEW 78468R648   3,271 71 SH   SOLE   0 0 71
SPDR SER TR MSCI USA STRTGIC 78468R812   199,941 1,356 SH   SOLE   0 0 1,356
SPDR SER TR PORTFOLIO S&P600 78468R853   50,874 1,225 SH   SOLE   0 0 1,225
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   316,171 7,960 SH   SOLE   0 0 7,960
STEEL DYNAMICS INC COM 858119100   255,214 1,971 SH   SOLE   0 0 1,971
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   228,560 1,315 SH   SOLE   0 0 1,315
TARGA RES CORP COM 87612G101   778,861 6,048 SH   SOLE   0 0 6,048
TARGET CORP COM 87612E106   297,584 2,010 SH   SOLE   0 0 2,010
TE CONNECTIVITY LTD SHS H84989104   238,281 1,584 SH   SOLE   0 0 1,584
TESLA INC COM 88160R101   337,583 1,706 SH   SOLE   0 0 1,706
THE CIGNA GROUP COM 125523100   378,172 1,144 SH   SOLE   0 0 1,144
THERMO FISHER SCIENTIFIC INC COM 883556102   392,858 710 SH   SOLE   0 0 710
TRAVELERS COMPANIES INC COM 89417E109   219,201 1,078 SH   SOLE   0 0 1,078
TRIMBLE INC COM 896239100   204,835 3,663 SH   SOLE   0 0 3,663
UNION PAC CORP COM 907818108   218,429 965 SH   SOLE   0 0 965
UNITEDHEALTH GROUP INC COM 91324P102   403,552 792 SH   SOLE   0 0 792
VALERO ENERGY CORP COM 91913Y100   447,080 2,852 SH   SOLE   0 0 2,852
VALLEY NATL BANCORP COM 919794107   148,667 21,299 SH   SOLE   0 0 21,299
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   12,328,775 147,350 SH   SOLE   0 0 147,350
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   250,587 501 SH   SOLE   0 0 501
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   76,335,210 507,447 SH   SOLE   0 0 507,447
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,836 8 SH   SOLE   0 0 8
VANGUARD INDEX FDS SML CP GRW ETF 922908595   2,001 8 SH   SOLE   0 0 8
VANGUARD INDEX FDS SM CP VAL ETF 922908611   93,268 511 SH   SOLE   0 0 511
VANGUARD INDEX FDS MID CAP ETF 922908629   293,667 1,213 SH   SOLE   0 0 1,213
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   339,774 2,013 SH   SOLE   0 0 2,013
VANGUARD INDEX FDS GROWTH ETF 922908736   44,881 120 SH   SOLE   0 0 120
VANGUARD INDEX FDS VALUE ETF 922908744   10,747 67 SH   SOLE   0 0 67
VANGUARD INDEX FDS SMALL CP ETF 922908751   43,352 199 SH   SOLE   0 0 199
VANGUARD INDEX FDS TOTAL STK MKT 922908769   29,901,417 111,777 SH   SOLE   0 0 111,777
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   6,353,736 56,412 SH   SOLE   0 0 56,412
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,848 42 SH   SOLE   0 0 42
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   673,244 3,688 SH   SOLE   0 0 3,688
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,741,102 28,874 SH   SOLE   0 0 28,874
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   622,374 12,594 SH   SOLE   0 0 12,594
VANGUARD WORLD FD FINANCIALS ETF 92204A405   70,216 703 SH   SOLE   0 0 703
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   13,974 53 SH   SOLE   0 0 53
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603   183,707 781 SH   SOLE   0 0 781
VANGUARD WORLD FD INF TECH ETF 92204A702   1,083,989 1,880 SH   SOLE   0 0 1,880
VERISIGN INC COM 92343E102   211,404 1,189 SH   SOLE   0 0 1,189
VISA INC COM CL A 92826C839   392,295 1,495 SH   SOLE   0 0 1,495
WALMART INC COM 931142103   1,178,440 17,404 SH   SOLE   0 0 17,404
WEC ENERGY GROUP INC COM 92939U106   384,689 4,903 SH   SOLE   0 0 4,903
WELLS FARGO CO NEW COM 949746101   238,763 4,020 SH   SOLE   0 0 4,020
WENDYS CO COM 95058W100   232,267 13,695 SH   SOLE   0 0 13,695
WIPRO LTD SPON ADR 1 SH 97651M109   96,063 15,748 SH   SOLE   0 0 15,748
WISDOMTREE TR INTERNATIONL EFI 97717Y634   79,491,082 2,183,329 SH   SOLE   0 0 2,183,329
XCEL ENERGY INC COM 98389B100   411,417 7,703 SH   SOLE   0 0 7,703
ZIMMER BIOMET HOLDINGS INC COM 98956P102   264,880 2,441 SH   SOLE   0 0 2,441