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
Apple Computer Inc com 037833100   33,216 255,646 SH   SOLE 0 33,216 0 0
AbbVie Inc. com 00287Y109   8,990 55,627 SH   SOLE 0 8,990 0 0
Amerisource Bergen com 03073E105   1,344 8,112 SH   SOLE 0 1,344 0 0
Abbott Laboratories com 002824100   447 4,076 SH   SOLE 0 447 0 0
Albertsons Companies, Inc. com 013091103   279 13,435 SH   SOLE 0 279 0 0
Accenture Ltd Cl A com G1151C101   4,683 17,550 SH   SOLE 0 4,683 0 0
Archer-Daniels-Midland Co. com 039483102   3,319 35,748 SH   SOLE 0 3,319 0 0
Automatic Data Processing, Inc. com 053015103   1,776 7,436 SH   SOLE 0 1,776 0 0
American Electric Power Co., Inc com 025537101   259 2,732 SH   SOLE 0 259 0 0
AES Corporation com 00130H105   1,553 54,007 SH   SOLE 0 1,553 0 0
American Financial Group com 025932104   615 4,481 SH   SOLE 0 615 0 0
AFLAC Inc com 001055102   6,551 91,068 SH   SOLE 0 6,551 0 0
Armada Hoffler Properties, Inc. com 04208T108   2,797 243,246 SH   SOLE 0 2,797 0 0
American Intl Group Inc com 026874784   885 13,991 SH   SOLE 0 885 0 0
Allstate Corporation com 020002101   1,771 13,061 SH   SOLE 0 1,771 0 0
Allison Transmission Holdings, INc. com 01973R101   1,835 44,108 SH   SOLE 0 1,835 0 0
Applied Materials Inc com 038222105   855 8,776 SH   SOLE 0 855 0 0
Amgen Incorporated com 031162100   8,921 33,967 SH   SOLE 0 8,921 0 0
Amkor Technology Inc com 031652100   676 28,206 SH   SOLE 0 676 0 0
Ameriprise Financial, Inc. com 03076C106   5,905 18,964 SH   SOLE 0 5,905 0 0
American Tower Corporation com 03027X100   3,448 16,276 SH   SOLE 0 3,448 0 0
The Andersons Inc. com 034164103   700 20,007 SH   SOLE 0 700 0 0
Arrow Electronics, Inc. com 042735100   1,035 9,893 SH   SOLE 0 1,035 0 0
Academy Sports and Outdoors, Inc. com 00402L107   624 11,871 SH   SOLE 0 624 0 0
Activision Inc com 00507V109   3,716 48,542 SH   SOLE 0 3,716 0 0
Avantis Emerging Markets Equity ETF ETF 025072604   27,388 542,870 SH   SOLE 0 27,388 0 0
Broadcom Limited com 11135F101   2,676 4,785 SH   SOLE 0 2,676 0 0
Avnet, Inc. com 053807103   4,732 113,805 SH   SOLE 0 4,732 0 0
Avantis US Small Cap Value ETF com 025072877   493 6,621 SH   SOLE 0 493 0 0
American Express Company com 025816109   229 1,548 SH   SOLE 0 229 0 0
AutoZone Inc com 053332102   2,372 962 SH   SOLE 0 2,372 0 0
Bank of America Corp com 060505104   1,061 32,021 SH   SOLE 0 1,061 0 0
Booz Allen Hamilton Holdings Corporation com 099502106   574 5,495 SH   SOLE 0 574 0 0
Best Buy Inc com 086516101   3,614 45,054 SH   SOLE 0 3,614 0 0
Belden Inc com 077454106   1,876 26,098 SH   SOLE 0 1,876 0 0
Becton Dickinson & Co com 075887109   2,726 10,719 SH   SOLE 0 2,726 0 0
Franklin Resources Inc com 354613101   392 14,860 SH   SOLE 0 392 0 0
Bunge Ltd. com G16962105   289 2,894 SH   SOLE 0 289 0 0
Bank of Montreal com 063671101   2,091 23,077 SH   SOLE 0 2,091 0 0
Bristol-Myers Squibb Co com 110122108   2,244 31,186 SH   SOLE 0 2,244 0 0
Vanguard Total Bond Market ETF ETF 921937835   4,804 66,870 SH   SOLE 0 4,804 0 0
BioNTech SE ADR 09075V102   335 2,229 SH   SOLE 0 335 0 0
BP PLC Adr ADR 055622104   633 18,126 SH   SOLE 0 633 0 0
Popular Inc com 733174700   1,073 16,186 SH   SOLE 0 1,073 0 0
Berkshire Hathaway Cl B com 084670702   220 711 SH   SOLE 0 220 0 0
BorgWarner Inc com 099724106   492 12,233 SH   SOLE 0 492 0 0
Citigroup Inc com 172967424   227 5,019 SH   SOLE 0 227 0 0
Cardinal Health Inc com 14149Y108   683 8,889 SH   SOLE 0 683 0 0
Carrier Global Corp com 14448C104   603 14,617 SH   SOLE 0 603 0 0
Caterpillar Inc com 149123101   3,101 12,944 SH   SOLE 0 3,101 0 0
Chubb Ltd com H1467J104   1,424 6,454 SH   SOLE 0 1,424 0 0
Cabot Corporation com 127055101   1,270 18,995 SH   SOLE 0 1,270 0 0
The Chemours Company com 163851108   232 7,574 SH   SOLE 0 232 0 0
Crown Castle Intl Corp (REIT) com 22822V101   1,305 9,620 SH   SOLE 0 1,305 0 0
Century Communities, Inc com 156504300   259 5,184 SH   SOLE 0 259 0 0
CDW Corporation com 12514G108   3,526 19,743 SH   SOLE 0 3,526 0 0
Celanese Corporation com 150870103   1,120 10,957 SH   SOLE 0 1,120 0 0
Constellation Energy Co com 21037T109   1,532 17,765 SH   SOLE 0 1,532 0 0
Consol Energy, Inc. com 20854L108   518 7,967 SH   SOLE 0 518 0 0
CF Industries Holdings, Inc. com 125269100   1,440 16,898 SH   SOLE 0 1,440 0 0
Citizens Financial Group, Inc. com 174610105   210 5,339 SH   SOLE 0 210 0 0
CIGNA Corp com 125523100   900 2,717 SH   SOLE 0 900 0 0
Cincinnati Financial Cp com 172062101   605 5,913 SH   SOLE 0 605 0 0
Civitas Resources, Inc. com 17888H103   489 8,443 SH   SOLE 0 489 0 0
Comcast Corp com 20030N101   351 10,028 SH   SOLE 0 351 0 0
Cummins Inc com 231021106   7,026 28,998 SH   SOLE 0 7,026 0 0
CMS Energy Corp com 125896100   700 11,048 SH   SOLE 0 700 0 0
Canadian Natl RR Co. com 136375102   635 5,342 SH   SOLE 0 635 0 0
Canadian Natural Resources Limited com 136385101   1,089 19,620 SH   SOLE 0 1,089 0 0
Concentrix Corp com 20602D101   525 3,945 SH   SOLE 0 525 0 0
ConocoPhillips com 20825C104   995 8,430 SH   SOLE 0 995 0 0
Costco Whsl Corp New com 22160K105   275 602 SH   SOLE 0 275 0 0
Camden Property Trust com 133131102   6,683 59,733 SH   SOLE 0 6,683 0 0
Crane Company com 224399105   497 4,946 SH   SOLE 0 497 0 0
Americas Car-Mart Inc com 03062T105   267 3,700 SH   SOLE 0 267 0 0
Cisco Systems Inc com 17275R102   10,160 213,264 SH   SOLE 0 10,160 0 0
Cognizant Technology Solutions Corp. com 192446102   2,032 35,533 SH   SOLE 0 2,032 0 0
CubeSmart com 229663109   2,372 58,944 SH   SOLE 0 2,372 0 0
C V S Caremark Corp. com 126650100   6,770 72,648 SH   SOLE 0 6,770 0 0
Chevron Corp com 166764100   4,651 25,910 SH   SOLE 0 4,651 0 0
Deere & Co com 244199105   1,171 2,731 SH   SOLE 0 1,171 0 0
Dimensional Emerging Core Equity Market ETF ETF 25434V302   1,010 46,030 SH   SOLE 0 1,010 0 0
Dimensional Emerging Markets ETF 25434V732   288 12,845 SH   SOLE 0 288 0 0
Discover Financial Services com 254709108   2,858 29,215 SH   SOLE 0 2,858 0 0
Quest Diagnostic Inc com 74834L100   4,971 31,774 SH   SOLE 0 4,971 0 0
D R Horton Co com 23331A109   6,503 72,950 SH   SOLE 0 6,503 0 0
Danaher Corp Del com 235851102   448 1,688 SH   SOLE 0 448 0 0
Disney Walt Hldg Co com 254687106   402 4,625 SH   SOLE 0 402 0 0
Dick's Sporting Goods Inc. com 253393102   5,703 47,408 SH   SOLE 0 5,703 0 0
Dover Corporation com 260003108   389 2,872 SH   SOLE 0 389 0 0
Amdocs Limited Common Stock com G02602103   2,118 23,300 SH   SOLE 0 2,118 0 0
DoubleLine Income Solutions Fund com 258622109   715 64,467 SH   SOLE 0 715 0 0
Devon Energy Corp com 25179M103   543 8,824 SH   SOLE 0 543 0 0
Electronic Arts Inc. com 285512109   1,546 12,652 SH   SOLE 0 1,546 0 0
iShares MSCI Emerging Markets Index ETF ETF 464287234   2,818 74,364 SH   SOLE 0 2,818 0 0
iShares MSCI EAFE ETF ETF 464287465   11,943 181,952 SH   SOLE 0 11,943 0 0
iShares MSCI EAFE Min Volatility ETF ETF 46429B689   2,961 46,568 SH   SOLE 0 2,961 0 0
EastGroup Properties Inc. com 277276101   317 2,138 SH   SOLE 0 317 0 0
Encompass Health Corp com 29261A100   1,385 23,156 SH   SOLE 0 1,385 0 0
Edison International com 281020107   1,487 23,380 SH   SOLE 0 1,487 0 0
Elevance Health Inc. com 036752103   1,205 2,350 SH   SOLE 0 1,205 0 0
iShares JPMorgan USD Emerg Markets Bond ETF ETF 464288281   8,032 94,954 SH   SOLE 0 8,032 0 0
Emerson Electric Co com 291011104   2,633 27,414 SH   SOLE 0 2,633 0 0
EOG Resources, Inc com 26875P101   5,646 43,595 SH   SOLE 0 5,646 0 0
Equitable Holdings, Inc. com 29452E101   3,628 126,413 SH   SOLE 0 3,628 0 0
Eaton Corporation plc com G29183103   2,937 18,715 SH   SOLE 0 2,937 0 0
Entergy Corp New com 29364G103   1,242 11,040 SH   SOLE 0 1,242 0 0
Exelon Corporation com 30161N101   2,678 61,943 SH   SOLE 0 2,678 0 0
Ford Motor Company com 345370860   1,222 105,032 SH   SOLE 0 1,222 0 0
First American Financial Corp com 31847R102   953 18,213 SH   SOLE 0 953 0 0
Diamondback Energy, Inc. com 25278X109   393 2,876 SH   SOLE 0 393 0 0
First BanCorp. com 318672706   191 15,025 SH   SOLE 0 191 0 0
FedEx Corp. com 31428X106   635 3,666 SH   SOLE 0 635 0 0
Fifth Third Bancorp com 316773100   2,865 87,325 SH   SOLE 0 2,865 0 0
First Trust Managed Municipal ETF ETF 33739N108   2,076 41,419 SH   SOLE 0 2,076 0 0
Schwab Fundamental US Small Company ETF ETF 808524763   11,549 247,191 SH   SOLE 0 11,549 0 0
Schwab Fundamental Emerg Mkts Lg Co ETF ETF 808524730   34,241 1,381,791 SH   SOLE 0 34,241 0 0
Schwab Fundamental Intl Lg Co ETF ETF 808524755   62,239 2,141,019 SH   SOLE 0 62,239 0 0
Schwab Fundamental US Large Company ETF ETF 808524771   4,846 90,675 SH   SOLE 0 4,846 0 0
Fidelity National Finl. com 31620R303   2,639 70,161 SH   SOLE 0 2,639 0 0
Twenty-First Century Fox, Inc. Cl A com 35137L105   3,420 112,596 SH   SOLE 0 3,420 0 0
First Industrial Rlty Trust com 32054K103   1,461 30,266 SH   SOLE 0 1,461 0 0
Fidelity MSCI Real Estate Index ETF ETF 316092857   249 10,043 SH   SOLE 0 249 0 0
General Dynamics Corp com 369550108   6,845 27,589 SH   SOLE 0 6,845 0 0
VanEck Vectors Gold Miners ETF ETF 92189F106   237 8,286 SH   SOLE 0 237 0 0
VanEck Vectors Junior Gold Miners ETF ETF 92189F791   516 14,465 SH   SOLE 0 516 0 0
NortonLifeLock Inc. com 668771108   575 26,846 SH   SOLE 0 575 0 0
Gilead Sciences Inc com 375558103   489 5,695 SH   SOLE 0 489 0 0
General Mills Inc com 370334104   2,718 32,415 SH   SOLE 0 2,718 0 0
Corning Inc com 219350105   4,532 141,904 SH   SOLE 0 4,532 0 0
Alphabet Inc Class C com 02079K107   9,761 110,009 SH   SOLE 0 9,761 0 0
Alphabet Inc Class A com 02079K305   706 8,002 SH   SOLE 0 706 0 0
iShares Trust - U.S. Treasury Bond ETF iShares 46429B267   624 27,460 SH   SOLE 0 624 0 0
Genuine Parts Co com 372460105   409 2,360 SH   SOLE 0 409 0 0
Group 1 Automotive, Inc. com 398905109   2,095 11,616 SH   SOLE 0 2,095 0 0
Goldman Sachs Group Inc com 38141G104   2,149 6,258 SH   SOLE 0 2,149 0 0
Hasbro Inc com 418056107   1,107 18,138 SH   SOLE 0 1,107 0 0
Huntington Bancshares Incorporated com 446150104   276 19,561 SH   SOLE 0 276 0 0
Hanesbrands Inc. com 410345102   221 34,746 SH   SOLE 0 221 0 0
HCA Holdings, Inc. com 40412C101   6,984 29,104 SH   SOLE 0 6,984 0 0
Home Depot Inc com 437076102   2,833 8,969 SH   SOLE 0 2,833 0 0
Hartford Financial Services com 416515104   5,629 74,226 SH   SOLE 0 5,629 0 0
Honda Motor Co Adr com 438128308   1,049 45,904 SH   SOLE 0 1,049 0 0
Honeywell International com 438516106   2,264 10,564 SH   SOLE 0 2,264 0 0
Hewlett Packard Enterprise Comp com 42824C109   5,210 326,433 SH   SOLE 0 5,210 0 0
HP Inc. com 40434L105   3,869 143,978 SH   SOLE 0 3,869 0 0
Henry Schein, Inc. com 806407102   218 2,725 SH   SOLE 0 218 0 0
Host Hotels & Resorts Inc. com 44107P104   1,210 75,410 SH   SOLE 0 1,210 0 0
VanEck Vectors High-Yield Muni ETF ETF 92189H409   998 19,736 SH   SOLE 0 998 0 0
SPDR Nuveen S&P High Yield Muni Bond ETF ETF 78464A284   220 4,499 SH   SOLE 0 220 0 0
Intl Business Machines com 459200101   3,967 28,154 SH   SOLE 0 3,967 0 0
iShares Global Clean Energy ETF ETF 464288224   312 15,711 SH   SOLE 0 312 0 0
iShares Core MSCI EAFE ETF ETF 46432F842   1,017 16,500 SH   SOLE 0 1,017 0 0
iShares Core MSCI Emerging Markets ETF ETF 46434G103   279 5,983 SH   SOLE 0 279 0 0
iShares Core S&P Mid-Cap ETF ETF 464287507   211 872 SH   SOLE 0 211 0 0
iShares S&P Mid-Cap 400 Value ETF ETF 464287705   396 3,930 SH   SOLE 0 396 0 0
iShares S&P Small-Cap ETF ETF 464287804   378 3,996 SH   SOLE 0 378 0 0
iShares S&P Small-Cap 600 Value ETF iShares 464287879   208 2,277 SH   SOLE 0 208 0 0
INDUS Realty Trust, Inc. com 45580R103   254 4,001 SH   SOLE 0 254 0 0
Infosys Limited ADR 456788108   5,399 299,792 SH   SOLE 0 5,399 0 0
Ingredion Incorporated com 457187102   212 2,168 SH   SOLE 0 212 0 0
Intel Corp com 458140100   2,451 92,742 SH   SOLE 0 2,451 0 0
iShares Edge MSCI Multifactor Intl ETF ETF 46434V274   16,144 656,235 SH   SOLE 0 16,144 0 0
Invitation Homes Inc. com 46187W107   409 13,796 SH   SOLE 0 409 0 0
International Paper Co com 460146103   209 6,040 SH   SOLE 0 209 0 0
Interpublic Group of Companies com 460690100   1,075 32,281 SH   SOLE 0 1,075 0 0
Iron Mountain Incorporated com 46284V101   951 19,073 SH   SOLE 0 951 0 0
Independence Realty Trust Inc. com 45378A106   336 19,905 SH   SOLE 0 336 0 0
VanEck Vectors Intermediate Muni ETF ETF 92189H201   494 10,825 SH   SOLE 0 494 0 0
Illinois Tool Works com 452308109   926 4,205 SH   SOLE 0 926 0 0
iShares Core S&P 500 ETF ETF 464287200   513 1,335 SH   SOLE 0 513 0 0
iShares Russell 1000 ETF ETF 464287622   340 1,614 SH   SOLE 0 340 0 0
iShares Russell Mid-cap Value ETF ETF 464287473   389 3,693 SH   SOLE 0 389 0 0
Jabil Circuit Inc. com 466313103   2,962 43,437 SH   SOLE 0 2,962 0 0
Johnson & Johnson com 478160104   8,018 45,389 SH   SOLE 0 8,018 0 0
Juniper Networks Inc com 48203R104   811 25,372 SH   SOLE 0 811 0 0
J P Morgan Chase & Co. com 46625H100   6,897 51,431 SH   SOLE 0 6,897 0 0
JPMorgan Ultra-Short Income ETF ETF 46641Q837   1,858 37,055 SH   SOLE 0 1,858 0 0
JPMorgan Diversified Return U.S. Equity ETF ETF 46641Q407   417 4,395 SH   SOLE 0 417 0 0
Kellogg Company com 487836108   370 5,189 SH   SOLE 0 370 0 0
Keycorp Inc New com 493267108   938 53,849 SH   SOLE 0 938 0 0
The Kraft Heinz Company com 500754106   1,541 37,842 SH   SOLE 0 1,541 0 0
Kimco Realty Corp com 49446R109   244 11,499 SH   SOLE 0 244 0 0
K L A Tencor Corp com 482480100   453 1,202 SH   SOLE 0 453 0 0
Kimberly-Clark Corp com 494368103   614 4,522 SH   SOLE 0 614 0 0
Kinder Morgan, Inc. com 49456B101   2,115 116,969 SH   SOLE 0 2,115 0 0
Coca Cola Company com 191216100   314 4,932 SH   SOLE 0 314 0 0
Kroger Company com 501044101   9,671 216,932 SH   SOLE 0 9,671 0 0
Kilroy Realty Corp com 49427F108   1,934 50,019 SH   SOLE 0 1,934 0 0
Kite Realty Group com 49803T300   721 34,271 SH   SOLE 0 721 0 0
Lamar Advertising Co A com 512816109   2,333 24,716 SH   SOLE 0 2,333 0 0
Leidos Holdings Inc com 525327102   1,767 16,802 SH   SOLE 0 1,767 0 0
iShares Emerging Markets Local Currency Bond ETF ETF 464286517   2,603 74,985 SH   SOLE 0 2,603 0 0
Lennar Corp Cl A com 526057104   1,657 18,312 SH   SOLE 0 1,657 0 0
Lab Cp Of Amer Hldg New com 50540R409   1,713 7,272 SH   SOLE 0 1,713 0 0
LKQ Corp. com 501889208   5,251 98,306 SH   SOLE 0 5,251 0 0
Lockheed Martin Corp com 539830109   3,732 7,672 SH   SOLE 0 3,732 0 0
Lowes Companies Inc com 548661107   5,188 26,037 SH   SOLE 0 5,188 0 0
Louisiana-Pacific Corp com 546347105   461 7,788 SH   SOLE 0 461 0 0
iShares Edge MSCI Multifactor USA ETF ETF 46434V282   7,708 197,592 SH   SOLE 0 7,708 0 0
Life Storage Inc. com 53223X107   2,496 25,336 SH   SOLE 0 2,496 0 0
Lexington Realty Trust com 529043101   1,239 123,624 SH   SOLE 0 1,239 0 0
LyondellBasell Industrials NV com N53745100   3,532 42,543 SH   SOLE 0 3,532 0 0
Mastercard Incorporated com 57636Q104   482 1,387 SH   SOLE 0 482 0 0
The Macerich Co com 554382101   690 61,279 SH   SOLE 0 690 0 0
Masco Corporation com 574599106   589 12,618 SH   SOLE 0 589 0 0
iShares MBS Bond ETF ETF 464288588   14,751 159,043 SH   SOLE 0 14,751 0 0
McDonald's Corp. com 580135101   2,351 8,920 SH   SOLE 0 2,351 0 0
Microchip Technology Inc com 595017104   1,510 21,488 SH   SOLE 0 1,510 0 0
McKesson HBOC Inc com 58155Q103   8,641 23,034 SH   SOLE 0 8,641 0 0
Medtronic PLC com G5960L103   642 8,265 SH   SOLE 0 642 0 0
MDU Resources Group, Inc. com 552690109   1,549 51,054 SH   SOLE 0 1,549 0 0
Metlife Inc com 59156R108   6,706 92,658 SH   SOLE 0 6,706 0 0
Meta Platforms, Inc. com 30303M102   2,531 21,035 SH   SOLE 0 2,531 0 0
Manulife Financial Corporation com 56501R106   2,656 148,858 SH   SOLE 0 2,656 0 0
Global X MLP & Energy Infrastructure ETF ETF 37954Y293   595 14,590 SH   SOLE 0 595 0 0
3M Company com 88579Y101   674 5,622 SH   SOLE 0 674 0 0
Marathon Petroleum Corporation com 56585A102   1,626 13,974 SH   SOLE 0 1,626 0 0
Merck & Co Inc com 58933Y105   4,438 40,000 SH   SOLE 0 4,438 0 0
Moderna Inc com 60770K107   434 2,417 SH   SOLE 0 434 0 0
Morgan Stanley com 617446448   2,133 25,091 SH   SOLE 0 2,133 0 0
Microsoft Corp com 594918104   16,652 69,437 SH   SOLE 0 16,652 0 0
M&T Bank Corporation com 55261F104   1,399 9,647 SH   SOLE 0 1,399 0 0
MGIC Investment Corp com 552848103   256 19,691 SH   SOLE 0 256 0 0
iShares Natl Amt-Free Muni Bond ETF ETF 464288414   6,535 61,936 SH   SOLE 0 6,535 0 0
PIMCO Intermediate Muni Bond Strgy ETF ETF 72201R866   3,943 76,733 SH   SOLE 0 3,943 0 0
Nextera Energy Inc com 65339F101   222 2,652 SH   SOLE 0 222 0 0
Newmont Mining Corp com 651639106   337 7,139 SH   SOLE 0 337 0 0
National Fuel Gas Co com 636180101   813 12,839 SH   SOLE 0 813 0 0
Northrop Grumman Corp com 666807102   1,907 3,495 SH   SOLE 0 1,907 0 0
Northern Oil and Gas, Inc. com 665531307   232 7,528 SH   SOLE 0 232 0 0
NRG Energy, Inc com 629377508   1,173 36,872 SH   SOLE 0 1,173 0 0
Norfolk Southern Corp com 655844108   310 1,260 SH   SOLE 0 310 0 0
Network Appliance Inc com 64110D104   2,444 40,700 SH   SOLE 0 2,444 0 0
Nutrien Ltd. com 67077M108   1,952 26,724 SH   SOLE 0 1,952 0 0
Nucor Corp com 670346105   4,452 33,780 SH   SOLE 0 4,452 0 0
Novartis A G Spon Adr ADR 66987V109   333 3,675 SH   SOLE 0 333 0 0
NexPoint Residential Trust, Inc. com 65341D102   683 15,705 SH   SOLE 0 683 0 0
Nexstar Media Group com 65336K103   5,898 33,698 SH   SOLE 0 5,898 0 0
Owens Corning Inc. com 690742101   2,641 30,963 SH   SOLE 0 2,641 0 0
Organon & Co. Common Stock com 68622V106   936 33,497 SH   SOLE 0 936 0 0
Omega Healthcare Investors Inc. com 681936100   4,152 148,561 SH   SOLE 0 4,152 0 0
ONEOK Inc com 682680103   592 9,016 SH   SOLE 0 592 0 0
Omnicom Group Inc com 681919106   5,368 65,814 SH   SOLE 0 5,368 0 0
Oracle Corporation com 68389X105   12,406 151,778 SH   SOLE 0 12,406 0 0
Old Republic International Corporation com 680223104   297 12,285 SH   SOLE 0 297 0 0
Otis Worldwide Corp com 68902V107   366 4,674 SH   SOLE 0 366 0 0
Otter Tail Corporation com 689648103   607 10,343 SH   SOLE 0 607 0 0
Outfront Media Inc com 69007J106   1,271 76,633 SH   SOLE 0 1,271 0 0
Ovintiv Inc. com 69047Q102   1,322 26,072 SH   SOLE 0 1,322 0 0
Oxford Industries, Inc. com 691497309   1,034 11,101 SH   SOLE 0 1,034 0 0
Bank OZK com 06417N103   234 5,852 SH   SOLE 0 234 0 0
Paramount Global com 92556H206   173 10,229 SH   SOLE 0 173 0 0
Paychex Inc com 704326107   355 3,068 SH   SOLE 0 355 0 0
Petroleo Brasileiro ADR 71654V408   2,404 225,711 SH   SOLE 0 2,404 0 0
PACCAR Inc com 693718108   3,771 38,104 SH   SOLE 0 3,771 0 0
Potlatch Corporation com 737630103   2,988 67,927 SH   SOLE 0 2,988 0 0
Invesco Emerging Mkts Sovereign Debt ETF ETF 46138E784   218 11,691 SH   SOLE 0 218 0 0
PDC Energy, Inc. com 69327R101   539 8,498 SH   SOLE 0 539 0 0
Patterson Companies Inc. com 703395103   2,010 71,711 SH   SOLE 0 2,010 0 0
Piedmont Office Realty Trust, Inc. com 720190206   1,047 114,130 SH   SOLE 0 1,047 0 0
Pub Svc Enterprise Group com 744573106   287 4,677 SH   SOLE 0 287 0 0
PepsiCo Incorporated com 713448108   1,343 7,432 SH   SOLE 0 1,343 0 0
Pfizer Incorporated com 717081103   11,870 231,661 SH   SOLE 0 11,870 0 0
Principal Financial Group Inc. com 74251V102   1,589 18,936 SH   SOLE 0 1,589 0 0
Procter & Gamble com 742718109   12,734 84,020 SH   SOLE 0 12,734 0 0
Progressive Corp. com 743315103   1,160 8,942 SH   SOLE 0 1,160 0 0
Parker-Hannifin Corporation com 701094104   200 689 SH   SOLE 0 200 0 0
PulteGroup Inc com 745867101   3,628 79,688 SH   SOLE 0 3,628 0 0
Polaris Industries Inc. com 731068102   336 3,324 SH   SOLE 0 336 0 0
Premier, Inc. com 74051N102   1,118 31,949 SH   SOLE 0 1,118 0 0
ProLogis com 74340W103   403 3,575 SH   SOLE 0 403 0 0
Plymouth Industrial REIT, Inc. com 729640102   1,117 58,222 SH   SOLE 0 1,117 0 0
PNC Financial Services com 693475105   753 4,768 SH   SOLE 0 753 0 0
PPG Industries Inc com 693506107   234 1,860 SH   SOLE 0 234 0 0
Invesco FTSE RAFI US 1000 ETF ETF 46137V613   414 2,670 SH   SOLE 0 414 0 0
Park National Corp com 700658107   274 1,950 SH   SOLE 0 274 0 0
Prudential Financial Inc com 744320102   3,539 35,579 SH   SOLE 0 3,539 0 0
Phillips 66 com 718546104   389 3,733 SH   SOLE 0 389 0 0
Pioneer Natural Resources Co. com 723787107   742 3,247 SH   SOLE 0 742 0 0
Invesco FTSE RAFI Dev Mkts ex-US ETF ETF 46138E743   749 18,042 SH   SOLE 0 749 0 0
Invesco FTSE RAFI Emerging Markets ETF ETF 46138E727   3,987 226,261 SH   SOLE 0 3,987 0 0
Qualcomm Inc com 747525103   484 4,403 SH   SOLE 0 484 0 0
Everest Re Group Ltd com G3223R108   1,358 4,098 SH   SOLE 0 1,358 0 0
Regions Financial Cp New com 7591EP100   4,605 213,584 SH   SOLE 0 4,605 0 0
Reinsurance Group of America com 759351604   230 1,621 SH   SOLE 0 230 0 0
RLJ Lodging Trust com 74965L101   2,217 209,388 SH   SOLE 0 2,217 0 0
Hartford Multifactor Developed Markets ETF ETF 518416102   42,376 1,709,404 SH   SOLE 0 42,376 0 0
Ross Stores, Inc com 778296103   212 1,825 SH   SOLE 0 212 0 0
Reliance Steel & Aluminum Co com 759509102   2,193 10,834 SH   SOLE 0 2,193 0 0
The Necessity Retail REIT, Inc. com 02607T109   1,087 183,282 SH   SOLE 0 1,087 0 0
Raytheon Technologies Co com 75513E101   1,203 11,924 SH   SOLE 0 1,203 0 0
Xtrackers Muni Infra Rev Bond ETF ETF 233051705   285 11,976 SH   SOLE 0 285 0 0
Schwab U.S. Small-Cap ETF ETF 808524607   276 6,814 SH   SOLE 0 276 0 0
Schwab US Broad Mkt ETF ETF 808524102   431 9,618 SH   SOLE 0 431 0 0
Schwab U.S. Dividend Equity ETF ETF 808524797   307 4,058 SH   SOLE 0 307 0 0
Schwab Emerging Mkts Equity ETF ETF 808524706   820 34,655 SH   SOLE 0 820 0 0
Schwab International Equity ETF ETF 808524805   46,032 1,429,119 SH   SOLE 0 46,032 0 0
Schwab U.S. REIT ETF ETF 808524847   16,760 868,859 SH   SOLE 0 16,760 0 0
Schwab Short-Term U.S. Treasury ETF ETF 808524862   274 5,673 SH   SOLE 0 274 0 0
Schwab US TIPS ETF ETF 808524870   15,670 302,568 SH   SOLE 0 15,670 0 0
Schwab Intermediate-Term U.S. Trsy ETF ETF 808524854   20,835 423,219 SH   SOLE 0 20,835 0 0
Select Medical Holdings Corp com 81619Q105   396 15,931 SH   SOLE 0 396 0 0
Sprouts Farmers Market com 85208M102   868 26,819 SH   SOLE 0 868 0 0
Shell plc com 780259305   2,372 41,642 SH   SOLE 0 2,372 0 0
iShares 0-5 Year High Yield Corp Bond ETF iShares 46434V407   245 5,985 SH   SOLE 0 245 0 0
J M Smuckers Co com 832696405   4,123 26,018 SH   SOLE 0 4,123 0 0
iShares Edge MSCI Mltfct USA SmCp ETF ETF 46434V290   1,195 24,065 SH   SOLE 0 1,195 0 0
Snap On Inc com 833034101   3,383 14,807 SH   SOLE 0 3,383 0 0
SYNNEX Corp. com 87162W100   320 3,383 SH   SOLE 0 320 0 0
Simon Ppty Group New com 828806109   2,623 22,329 SH   SOLE 0 2,623 0 0
SPDR Portfolio High Yield Bond ETF ETF 78468R606   741 33,185 SH   SOLE 0 741 0 0
SPDR Barclays Cap Interm Term Corp Bond ETF ETF 78464A375   4,668 146,663 SH   SOLE 0 4,668 0 0
SPDR Portfolio Mortgage Backed Bond ETF ETF 78464A383   597 27,496 SH   SOLE 0 597 0 0
Pacer Benchmark Data & Infrastructure Real Estate ETF com 69374H741   10,798 372,090 SH   SOLE 0 10,798 0 0
STAG Industrial, Inc. com 85254J102   2,564 79,341 SH   SOLE 0 2,564 0 0
Steel Dynamics, Inc. com 858119100   2,584 26,453 SH   SOLE 0 2,584 0 0
Store Capital Corporation com 862121100   1,591 49,621 SH   SOLE 0 1,591 0 0
State Street Corp com 857477103   203 2,622 SH   SOLE 0 203 0 0
Seagate Technology PLC F com G7997R103   2,866 54,485 SH   SOLE 0 2,866 0 0
iShares Short-Term National Muni Bond ETF ETF 464288158   502 4,813 SH   SOLE 0 502 0 0
Sun Communities Inc com 866674104   528 3,693 SH   SOLE 0 528 0 0
A T & T Inc. com 00206R102   2,554 138,730 SH   SOLE 0 2,554 0 0
Toronto-Dominion Bank com 891160509   2,590 39,990 SH   SOLE 0 2,590 0 0
TE Connectivity Ltd. com H84989104   1,383 12,045 SH   SOLE 0 1,383 0 0
TEGNA, Inc. com 87901J105   411 19,396 SH   SOLE 0 411 0 0
Target Corporation com 87612E106   8,117 54,465 SH   SOLE 0 8,117 0 0
The Hanover Insurance Group Inc. com 410867105   296 2,190 SH   SOLE 0 296 0 0
iShares Barclays TIPS Bond ETF 464287176   2,966 27,863 SH   SOLE 0 2,966 0 0
TJX Cos Inc com 872540109   1,618 20,330 SH   SOLE 0 1,618 0 0
Toyota Motor Corporation ADR 892331307   6,856 50,197 SH   SOLE 0 6,856 0 0
Thermo Fisher Scientific Inc. com 883556102   4,249 7,716 SH   SOLE 0 4,249 0 0
Tortoise North American Pipeline Fund com 56167N720   16,294 659,949 SH   SOLE 0 16,294 0 0
Triton International Limited com G9078F107   3,801 55,258 SH   SOLE 0 3,801 0 0
Travelers Companies Inc com 89417E109   4,376 23,342 SH   SOLE 0 4,376 0 0
Tyson Foods Inc com 902494103   3,797 61,003 SH   SOLE 0 3,797 0 0
TotalEnergies SE ADR 89151E109   2,115 34,074 SH   SOLE 0 2,115 0 0
Texas Instruments Inc com 882508104   6,034 36,521 SH   SOLE 0 6,034 0 0
UGI Corporation New com 902681105   5,515 148,772 SH   SOLE 0 5,515 0 0
United Natural Foods, Inc com 911163103   257 6,633 SH   SOLE 0 257 0 0
UnitedHealth Group Inc. com 91324P102   3,968 7,484 SH   SOLE 0 3,968 0 0
Uniti Group Inc. com 91325V108   2,472 446,944 SH   SOLE 0 2,472 0 0
Unum Group com 91529Y106   3,228 78,683 SH   SOLE 0 3,228 0 0
Union Pacific com 907818108   4,289 20,715 SH   SOLE 0 4,289 0 0
United Parcel Service, Inc. com 911312106   1,111 6,389 SH   SOLE 0 1,111 0 0
United Rentals, Inc. com 911363109   1,850 5,205 SH   SOLE 0 1,850 0 0
US Bancorp com 902973304   2,652 60,801 SH   SOLE 0 2,652 0 0
iShares Core US REIT ETF iShares 464288521   215 4,350 SH   SOLE 0 215 0 0
Visa, Inc. com 92826C839   465 2,237 SH   SOLE 0 465 0 0
Vanguard Small Cap Value ETF ETF 922908611   7,966 50,164 SH   SOLE 0 7,966 0 0
Vanguard Interm-Tm Govt Bd Inx ETF ETF 92206C706   8,474 144,911 SH   SOLE 0 8,474 0 0
Vanguard Dividend Appreciation ETF ETF 921908844   577 3,803 SH   SOLE 0 577 0 0
Valero Energy Corp New com 91913Y100   736 5,803 SH   SOLE 0 736 0 0
Vanguard Reit Index ETF ETF 922908553   5,528 67,028 SH   SOLE 0 5,528 0 0
Vanguard Russell 1000 ETF ETF 92206C730   3,505 20,115 SH   SOLE 0 3,505 0 0
Vanguard S&P 500 ETF ETF 922908363   245 696 SH   SOLE 0 245 0 0
Vishay Intertechnology Inc. com 928298108   2,696 124,972 SH   SOLE 0 2,696 0 0
Vanguard Tax-Exempt Bond Index ETF ETF 922907746   7,251 146,511 SH   SOLE 0 7,251 0 0
Vanguard Total Stock Market ETF ETF 922908769   454 2,375 SH   SOLE 0 454 0 0
Viatris Inc com 92556V106   163 14,653 SH   SOLE 0 163 0 0
Vanguard Value ETF ETF 922908744   777 5,534 SH   SOLE 0 777 0 0
Vanguard Ultra-Short Bond ETF Shares ETF 92203C303   204 4,170 SH   SOLE 0 204 0 0
Vanguard Emerging Markets Stock ETF ETF 922042858   263 6,750 SH   SOLE 0 263 0 0
Verizon Communications com 92343V104   6,966 176,801 SH   SOLE 0 6,966 0 0
Walgreens Boots Alliance Inc. com 931427108   1,113 29,782 SH   SOLE 0 1,113 0 0
Whirlpool Corp com 963320106   2,059 14,552 SH   SOLE 0 2,059 0 0
Wal-Mart Stores Inc com 931142103   9,707 68,459 SH   SOLE 0 9,707 0 0
Williams Sonoma com 969904101   1,427 12,420 SH   SOLE 0 1,427 0 0
Whitestone REIT com 966084204   1,033 107,127 SH   SOLE 0 1,033 0 0
Weyerhaeuser Co com 962166104   3,314 106,908 SH   SOLE 0 3,314 0 0
Technology Select Sector SPDR ETF ETF 81369Y803   200 1,611 SH   SOLE 0 200 0 0
The Real Estate Select Sector SPDR Fund com 81369Y860   3,270 88,556 SH   SOLE 0 3,270 0 0
Exxon Mobil Corporation com 30231G102   6,908 62,633 SH   SOLE 0 6,908 0 0
Ziff Davis, Inc. com 48123V102   551 6,972 SH   SOLE 0 551 0 0