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
3M CO COM 88579Y101   871,736 6,377 SH   SOLE   6,377 0 0
ABBVIE INC COM 00287Y109   711,323 3,602 SH   SOLE   3,602 0 0
AMAZON COM INC COM 023135106   246,142 1,321 SH   SOLE   1,321 0 0
APOLLO GLOBAL MGMT INC COM 03769M106   535,239 4,285 SH   SOLE   4,285 0 0
APPLE INC COM 037833100   2,661,792 11,424 SH   SOLE   11,424 0 0
BANK MONTREAL QUE COM 063671101   671,719 7,447 SH   SOLE   7,447 0 0
BLACKSTONE INC COM 09260D107   735,790 4,805 SH   SOLE   4,805 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   860,022 16,622 SH   SOLE   16,622 0 0
BROOKFIELD INFRASTRUCTURE CO COM SB VTG SHS A 11275Q107   791,468 18,224 SH   SOLE   18,224 0 0
CANADIAN IMPERIAL BK COMM COM 136069101   500,228 8,155 SH   SOLE   8,155 0 0
CENTERPOINT ENERGY INC COM 15189T107   477,340 16,225 SH   SOLE   16,225 0 0
CHEVRON CORP NEW COM 166764100   542,395 3,683 SH   SOLE   3,683 0 0
CHORD ENERGY CORPORATION COM NEW 674215207   270,488 2,077 SH   SOLE   2,077 0 0
DOW INC COM 260557103   677,139 12,395 SH   SOLE   12,395 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   20,127,481 178,214 SH   SOLE   178,214 0 0
GSK PLC SPONSORED ADR 37733W204   570,767 13,962 SH   SOLE   13,962 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   962,803 4,355 SH   SOLE   4,355 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   295,770 606 SH   SOLE   606 0 0
ISHARES INC CORE MSCI EMKT 46434G103   12,251,473 213,403 SH   SOLE   213,403 0 0
ISHARES TR S&P SML 600 GWT 464287887   707,772 5,074 SH   SOLE   5,074 0 0
ISHARES TR CORE S&P US GWT 464287671   1,125,276 8,531 SH   SOLE   8,531 0 0
ISHARES TR SP SMCP600VL ETF 464287879   936,965 8,703 SH   SOLE   8,703 0 0
ISHARES TR EXPONENTIAL TECH 46434V381   6,014,784 98,797 SH   SOLE   98,797 0 0
ISHARES TR SELECT DIVID ETF 464287168   1,252,377 9,272 SH   SOLE   9,272 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   19,887,965 70,028 SH   SOLE   70,028 0 0
ISHARES TR CORE MSCI EAFE 46432F842   835,291 10,702 SH   SOLE   10,702 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   835,116 5,006 SH   SOLE   5,006 0 0
ISHARES TR ESG AWARE MSCI 46435U663   488,165 11,673 SH   SOLE   11,673 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689   10,405,884 135,670 SH   SOLE   135,670 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   20,037,981 53,381 SH   SOLE   53,381 0 0
ISHARES TR CORE HIGH DV ETF 46429B663   18,497,370 157,264 SH   SOLE   157,264 0 0
ISHARES TR MRGSTR SM CP GR 464288604   1,223,731 24,995 SH   SOLE   24,995 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   209,501 2,188 SH   SOLE   2,188 0 0
ISHARES TR GLOBAL TECH ETF 464287291   8,213,800 99,525 SH   SOLE   99,525 0 0
ISHARES TR CORE US AGGBD ET 464287226   718,345 7,093 SH   SOLE   7,093 0 0
ISHARES TR MRNING SM CP ETF 464288703   16,739,767 263,700 SH   SOLE   263,700 0 0
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100   638,982 6,663 SH   SOLE   6,663 0 0
M & T BK CORP COM 55261F104   719,070 4,037 SH   SOLE   4,037 0 0
NORTHWESTERN ENERGY GROUP IN COM NEW 668074305   712,389 12,450 SH   SOLE   12,450 0 0
OGE ENERGY CORP COM 670837103   729,582 17,786 SH   SOLE   17,786 0 0
ONEOK INC NEW COM 682680103   836,665 9,181 SH   SOLE   9,181 0 0
PFIZER INC COM 717081103   785,866 27,155 SH   SOLE   27,155 0 0
PHILIP MORRIS INTL INC COM 718172109   1,208,537 9,955 SH   SOLE   9,955 0 0
PPL CORP COM 69351T106   668,778 20,217 SH   SOLE   20,217 0 0
ROGERS COMMUNICATIONS INC CL B 775109200   587,910 14,621 SH   SOLE   14,621 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,239,354 2,160 SH   SOLE   2,160 0 0
TELUS CORPORATION COM 87971M103   717,093 42,735 SH   SOLE   42,735 0 0
VALERO ENERGY CORP COM 91913Y100   445,194 3,297 SH   SOLE   3,297 0 0
VALLEY NATL BANCORP COM 919794107   907,250 100,138 SH   SOLE   100,138 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,899,406 39,695 SH   SOLE   39,695 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   886,838 19,747 SH   SOLE   19,747 0 0
VICI PPTYS INC COM 925652109   773,825 23,231 SH   SOLE   23,231 0 0
WISDOMTREE TR US SMALLCAP DIVD 97717W604   2,809,008 81,444 SH   SOLE   81,444 0 0
WISDOMTREE TR US HIGH DIVIDEND 97717W208   304,193 3,243 SH   SOLE   3,243 0 0