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   550,435 5,499 SH   SOLE 0 0 0 5,499
ABBOTT LABS COM 002824100   1,204,957 11,053 SH   SOLE 0 0 0 11,053
ABBVIE INC COM 00287Y109   1,009,730 7,494 SH   SOLE 0 0 0 7,494
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   492,951 1,597 SH   SOLE 0 0 0 1,597
AFLAC INC COM 001055102   437,088 6,262 SH   SOLE 0 0 0 6,262
AGILENT TECHNOLOGIES INC COM 00846U101   227,874 1,895 SH   SOLE 0 0 0 1,895
AIR PRODS & CHEMS INC COM 009158106   609,886 2,036 SH   SOLE 0 0 0 2,036
ALLIANT ENERGY CORP COM 018802108   419,690 7,997 SH   SOLE 0 0 0 7,997
ALPHABET INC CAP STK CL A 02079K305   3,408,458 28,475 SH   SOLE 0 0 0 28,475
ALPHABET INC CAP STK CL C 02079K107   1,854,349 15,329 SH   SOLE 0 0 0 15,329
ALTRIA GROUP INC COM 02209S103   463,089 10,223 SH   SOLE 0 0 0 10,223
AMAZON COM INC COM 023135106   2,232,024 17,122 SH   SOLE 0 0 0 17,122
AMERICAN ELEC PWR CO INC COM 025537101   538,804 6,399 SH   SOLE 0 0 0 6,399
AMERICAN EXPRESS CO COM 025816109   725,226 4,163 SH   SOLE 0 0 0 4,163
AMERICAN TOWER CORP NEW COM 03027X100   1,031,574 5,319 SH   SOLE 0 0 0 5,319
AMERIPRISE FINL INC COM 03076C106   212,582 640 SH   SOLE 0 0 0 640
AMGEN INC COM 031162100   372,244 1,677 SH   SOLE 0 0 0 1,677
AMPHENOL CORP NEW CL A 032095101   389,071 4,580 SH   SOLE 0 0 0 4,580
ANALOG DEVICES INC COM 032654105   236,889 1,216 SH   SOLE 0 0 0 1,216
APPLE INC COM 037833100   13,724,642 70,757 SH   SOLE 0 0 0 70,757
AT&T INC COM 00206R102   210,313 13,186 SH   SOLE 0 0 0 13,186
AUTOMATIC DATA PROCESSING IN COM 053015103   791,464 3,601 SH   SOLE 0 0 0 3,601
BANK AMERICA CORP COM 060505104   1,377,203 48,003 SH   SOLE 0 0 0 48,003
BECTON DICKINSON & CO COM 075887109   378,854 1,435 SH   SOLE 0 0 0 1,435
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   6,378,405 18,705 SH   SOLE 0 0 0 18,705
BLACKROCK INC COM 09247X101   401,936 582 SH   SOLE 0 0 0 582
BLACKSTONE INC COM 09260D107   576,447 6,200 SH   SOLE 0 0 0 6,200
BLEND LABS INC CL A 09352U108   9,822 10,369 SH   SOLE 0 0 0 10,369
BOEING CO COM 097023105   916,978 4,343 SH   SOLE 0 0 0 4,343
BRISTOL-MYERS SQUIBB CO COM 110122108   729,861 11,413 SH   SOLE 0 0 0 11,413
BROADCOM INC COM 11135F101   346,619 400 SH   SOLE 0 0 0 400
CANADIAN PACIFIC KANSAS CITY COM 13646K108   283,725 3,513 SH   SOLE 0 0 0 3,513
CATERPILLAR INC COM 149123101   1,513,245 6,150 SH   SOLE 0 0 0 6,150
CELANESE CORP DEL COM 150870103   752,353 6,497 SH   SOLE 0 0 0 6,497
CHEVRON CORP NEW COM 166764100   1,550,309 9,853 SH   SOLE 0 0 0 9,853
CHUBB LIMITED COM H1467J104   728,262 3,782 SH   SOLE 0 0 0 3,782
CHURCH & DWIGHT CO INC COM 171340102   277,236 2,766 SH   SOLE 0 0 0 2,766
CHURCHILL DOWNS INC COM 171484108   946,356 6,800 SH   SOLE 0 0 0 6,800
CINTAS CORP COM 172908105   341,494 687 SH   SOLE 0 0 0 687
CISCO SYS INC COM 17275R102   2,794,387 54,008 SH   SOLE 0 0 0 54,008
CLOROX CO DEL COM 189054109   469,963 2,955 SH   SOLE 0 0 0 2,955
COCA COLA CO COM 191216100   1,449,712 24,074 SH   SOLE 0 0 0 24,074
COLGATE PALMOLIVE CO COM 194162103   877,254 11,387 SH   SOLE 0 0 0 11,387
COMCAST CORP NEW CL A 20030N101   759,133 18,270 SH   SOLE 0 0 0 18,270
CONOCOPHILLIPS COM 20825C104   515,364 4,974 SH   SOLE 0 0 0 4,974
CONSTELLATION BRANDS INC CL A 21036P108   581,447 2,362 SH   SOLE 0 0 0 2,362
CONSTELLATION ENERGY CORP COM 21037T109   252,678 2,760 SH   SOLE 0 0 0 2,760
COSTCO WHSL CORP NEW COM 22160K105   3,394,519 6,305 SH   SOLE 0 0 0 6,305
CROWN CASTLE INC COM 22822V101   587,930 5,160 SH   SOLE 0 0 0 5,160
CSX CORP COM 126408103   1,515,671 44,448 SH   SOLE 0 0 0 44,448
CUMMINS INC COM 231021106   2,106,225 8,591 SH   SOLE 0 0 0 8,591
CVS HEALTH CORP COM 126650100   739,959 10,704 SH   SOLE 0 0 0 10,704
DANAHER CORPORATION COM 235851102   800,978 3,337 SH   SOLE 0 0 0 3,337
DEERE & CO COM 244199105   1,293,772 3,193 SH   SOLE 0 0 0 3,193
DELTA AIR LINES INC DEL COM NEW 247361702   251,534 5,291 SH   SOLE 0 0 0 5,291
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   447,378 16,478 SH   SOLE 0 0 0 16,478
DISNEY WALT CO COM 254687106   2,362,406 26,461 SH   SOLE 0 0 0 26,461
DUKE ENERGY CORP NEW COM NEW 26441C204   585,706 6,527 SH   SOLE 0 0 0 6,527
DUPONT DE NEMOURS INC COM 26614N102   272,196 3,810 SH   SOLE 0 0 0 3,810
EASTMAN CHEM CO COM 277432100   425,978 5,088 SH   SOLE 0 0 0 5,088
EATON CORP PLC SHS G29183103   304,667 1,515 SH   SOLE 0 0 0 1,515
ECOLAB INC COM 278865100   205,359 1,100 SH   SOLE 0 0 0 1,100
EMERSON ELEC CO COM 291011104   484,129 5,356 SH   SOLE 0 0 0 5,356
EXELON CORP COM 30161N101   388,904 9,546 SH   SOLE 0 0 0 9,546
EXXON MOBIL CORP COM 30231G102   946,438 8,825 SH   SOLE 0 0 0 8,825
FASTENAL CO COM 311900104   255,892 4,338 SH   SOLE 0 0 0 4,338
FEDEX CORP COM 31428X106   809,641 3,266 SH   SOLE 0 0 0 3,266
FERRARI N V COM N3167Y103   325,210 1,000 SH   SOLE 0 0 0 1,000
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   399,928 6,336 SH   SOLE 0 0 0 6,336
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865   294,818 6,973 SH   SOLE 0 0 0 6,973
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501   265,569 5,642 SH   SOLE 0 0 0 5,642
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   14,730,466 324,317 SH   SOLE 0 0 0 324,317
FISERV INC COM 337738108   321,556 2,549 SH   SOLE 0 0 0 2,549
FORD MTR CO DEL COM 345370860   195,511 12,922 SH   SOLE 0 0 0 12,922
GALLAGHER ARTHUR J & CO COM 363576109   1,547,969 7,050 SH   SOLE 0 0 0 7,050
GENERAL MLS INC COM 370334104   285,899 3,727 SH   SOLE 0 0 0 3,727
GLOBAL X FDS US INFR DEV ETF 37954Y673   1,173,628 37,341 SH   SOLE 0 0 0 37,341
GLOBAL X FDS GLBL X MLP ETF 37954Y343   794,892 18,516 SH   SOLE 0 0 0 18,516
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   2,090,816 23,950 SH   SOLE 0 0 0 23,950
GOLDMAN SACHS GROUP INC COM 38141G104   204,168 633 SH   SOLE 0 0 0 633
GRAINGER W W INC COM 384802104   1,331,929 1,689 SH   SOLE 0 0 0 1,689
HERSHEY CO COM 427866108   855,700 3,427 SH   SOLE 0 0 0 3,427
HOME DEPOT INC COM 437076102   1,821,014 5,862 SH   SOLE 0 0 0 5,862
HONEYWELL INTL INC COM 438516106   1,455,676 7,015 SH   SOLE 0 0 0 7,015
ILLINOIS TOOL WKS INC COM 452308109   455,291 1,820 SH   SOLE 0 0 0 1,820
INTEL CORP COM 458140100   855,372 25,579 SH   SOLE 0 0 0 25,579
INTERNATIONAL BUSINESS MACHS COM 459200101   485,730 3,630 SH   SOLE 0 0 0 3,630
INTERNATIONAL PAPER CO COM 460146103   201,271 6,327 SH   SOLE 0 0 0 6,327
INTUIT COM 461202103   791,956 1,728 SH   SOLE 0 0 0 1,728
INVESCO ACTIVELY MANAGED ETF TOTAL RETURN 46090A804   482,905 10,394 SH   SOLE 0 0 0 10,394
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   5,542,485 36,469 SH   SOLE 0 0 0 36,469
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   299,347 4,766 SH   SOLE 0 0 0 4,766
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431   4,202,479 46,293 SH   SOLE 0 455 0 45,838
INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506   599,540 15,682 SH   SOLE 0 0 0 15,682
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308   369,444 4,130 SH   SOLE 0 0 0 4,130
INVESCO EXCHANGE TRADED FD T DYNMC SOFTWARE 46137V639   217,186 2,017 SH   SOLE 0 0 0 2,017
INVESCO QQQ TR UNIT SER 1 46090E103   4,035,182 10,923 SH   SOLE 0 28 0 10,895
ISHARES GOLD TR ISHARES NEW 464285204   1,804,253 49,581 SH   SOLE 0 0 0 49,581
ISHARES INC MSCI GBL MIN VOL 464286525   1,290,187 13,158 SH   SOLE 0 0 0 13,158
ISHARES INC JP MORGAN EM ETF 464286517   1,280,966 34,602 SH   SOLE 0 387 0 34,215
ISHARES INC CORE MSCI EMKT 46434G103   7,299,279 148,088 SH   SOLE 0 840 0 147,248
ISHARES INC MSCI WORLD ETF 464286392   1,487,015 11,942 SH   SOLE 0 277 0 11,665
ISHARES TR MSCI USA MIN VOL 46429B697   1,220,320 16,418 SH   SOLE 0 0 0 16,418
ISHARES TR CORE MSCI TOTAL 46432F834   3,910,109 62,442 SH   SOLE 0 0 0 62,442
ISHARES TR CORE MSCI EAFE 46432F842   16,280,959 241,199 SH   SOLE 0 1,122 0 240,077
ISHARES TR CORE HIGH DV ETF 46429B663   392,329 3,893 SH   SOLE 0 0 0 3,893
ISHARES TR ESG AWR MSCI USA 46435G425   817,613 8,389 SH   SOLE 0 0 0 8,389
ISHARES TR CORE DIV GRWTH 46434V621   4,647,410 90,188 SH   SOLE 0 344 0 89,844
ISHARES TR CORE MSCI EURO 46434V738   2,741,209 52,085 SH   SOLE 0 242 0 51,843
ISHARES TR CORE TOTAL USD 46434V613   2,358,893 51,878 SH   SOLE 0 0 0 51,878
ISHARES TR MSCI USA MMENTM 46432F396   412,272 2,858 SH   SOLE 0 28 0 2,830
ISHARES TR MSCI USA QLT FCT 46432F339   5,368,473 39,805 SH   SOLE 0 323 0 39,482
ISHARES TR U.S. MED DVC ETF 464288810   203,595 3,606 SH   SOLE 0 0 0 3,606
ISHARES TR CORE S&P TTL STK 464287150   10,375,360 106,044 SH   SOLE 0 0 0 106,044
ISHARES TR NATIONAL MUN ETF 464288414   1,892,104 17,728 SH   SOLE 0 0 0 17,728
ISHARES TR MBS ETF 464288588   6,349,575 68,081 SH   SOLE 0 727 0 67,354
ISHARES TR IBOXX HI YD ETF 464288513   2,231,080 29,720 SH   SOLE 0 250 0 29,470
ISHARES TR USD INV GRDE ETF 464288620   531,275 10,606 SH   SOLE 0 885 0 9,721
ISHARES TR GRWT ALLOCAT ETF 464289867   1,088,836 21,163 SH   SOLE 0 0 0 21,163
ISHARES TR SHRT NAT MUN ETF 464288158   549,955 5,286 SH   SOLE 0 0 0 5,286
ISHARES TR RUS TP200 VL ETF 464289420   265,646 3,939 SH   SOLE 0 0 0 3,939
ISHARES TR RUS TP200 GR ETF 464289438   332,976 2,100 SH   SOLE 0 0 0 2,100
ISHARES TR JPMORGAN USD EMG 464288281   1,099,318 12,703 SH   SOLE 0 173 0 12,530
ISHARES TR GL CLEAN ENE ETF 464288224   554,337 30,127 SH   SOLE 0 0 0 30,127
ISHARES TR CORE S&P MCP ETF 464287507   1,362,079 5,209 SH   SOLE 0 0 0 5,209
ISHARES TR CORE S&P SCP ETF 464287804   3,248,839 32,603 SH   SOLE 0 0 0 32,603
ISHARES TR S&P 500 VAL ETF 464287408   2,423,248 15,033 SH   SOLE 0 257 0 14,776
ISHARES TR CORE S&P500 ETF 464287200   10,064,947 22,582 SH   SOLE 0 0 0 22,582
ISHARES TR S&P 500 GRWT ETF 464287309   3,028,825 42,974 SH   SOLE 0 0 0 42,974
ISHARES TR RUSSELL 3000 ETF 464287689   206,240 810 SH   SOLE 0 0 0 810
ISHARES TR MSCI EAFE ETF 464287465   2,578,754 35,569 SH   SOLE 0 446 0 35,123
ISHARES TR U.S. TECH ETF 464287721   3,051,299 28,027 SH   SOLE 0 0 0 28,027
ISHARES TR ISHARES SEMICDTR 464287523   262,253 517 SH   SOLE 0 0 0 517
ISHARES TR EXPANDED TECH 464287515   717,472 2,074 SH   SOLE 0 0 0 2,074
ISHARES TR 1 3 YR TREAS BD 464287457   338,266 4,172 SH   SOLE 0 0 0 4,172
ISHARES TR 20 YR TR BD ETF 464287432   710,904 6,906 SH   SOLE 0 0 0 6,906
ISHARES TR IBOXX INV CP ETF 464287242   5,085,392 47,026 SH   SOLE 0 202 0 46,824
ISHARES TR CORE US AGGBD ET 464287226   5,787,982 59,091 SH   SOLE 0 188 0 58,903
ISHARES TR SELECT DIVID ETF 464287168   1,290,034 11,386 SH   SOLE 0 0 0 11,386
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   3,562,189 71,645 SH   SOLE 0 0 0 71,645
JOHNSON & JOHNSON COM 478160104   6,151,788 37,166 SH   SOLE 0 0 0 37,166
JPMORGAN CHASE & CO COM 46625H100   1,940,899 13,345 SH   SOLE 0 0 0 13,345
KELLOGG CO COM 487836108   201,131 2,984 SH   SOLE 0 0 0 2,984
KIMBERLY-CLARK CORP COM 494368103   1,736,911 12,581 SH   SOLE 0 0 0 12,581
KLA CORP COM NEW 482480100   340,074 701 SH   SOLE 0 0 0 701
LILLY ELI & CO COM 532457108   5,389,860 11,493 SH   SOLE 0 0 0 11,493
LOCKHEED MARTIN CORP COM 539830109   680,270 1,478 SH   SOLE 0 0 0 1,478
LOWES COS INC COM 548661107   1,857,894 8,232 SH   SOLE 0 0 0 8,232
M & T BK CORP COM 55261F104   207,422 1,676 SH   SOLE 0 0 0 1,676
MARTIN MARIETTA MATLS INC COM 573284106   515,708 1,117 SH   SOLE 0 0 0 1,117
MASCO CORP COM 574599106   206,568 3,600 SH   SOLE 0 0 0 3,600
MASTERCARD INCORPORATED CL A 57636Q104   639,113 1,625 SH   SOLE 0 0 0 1,625
MCCORMICK & CO INC COM VTG 579780107   737,139 8,512 SH   SOLE 0 0 0 8,512
MCCORMICK & CO INC COM NON VTG 579780206   2,437,583 27,944 SH   SOLE 0 0 0 27,944
MCDONALDS CORP COM 580135101   5,053,386 16,934 SH   SOLE 0 0 0 16,934
MERCADOLIBRE INC COM 58733R102   629,023 531 SH   SOLE 0 0 0 531
MERCK & CO INC COM 58933Y105   2,199,937 19,065 SH   SOLE 0 0 0 19,065
META PLATFORMS INC CL A 30303M102   1,051,495 3,664 SH   SOLE 0 0 0 3,664
METLIFE INC COM 59156R108   578,219 10,229 SH   SOLE 0 0 0 10,229
MICROSOFT CORP COM 594918104   13,237,458 38,872 SH   SOLE 0 0 0 38,872
MONDELEZ INTL INC CL A 609207105   584,223 8,010 SH   SOLE 0 0 0 8,010
NEXTERA ENERGY INC COM 65339F101   1,035,133 13,951 SH   SOLE 0 0 0 13,951
NIKE INC CL B 654106103   2,499,224 22,644 SH   SOLE 0 0 0 22,644
NORFOLK SOUTHN CORP COM 655844108   1,240,975 5,473 SH   SOLE 0 0 0 5,473
NORTHROP GRUMMAN CORP COM 666807102   1,320,040 2,896 SH   SOLE 0 0 0 2,896
NVIDIA CORPORATION COM 67066G104   366,251 866 SH   SOLE 0 0 0 866
NXP SEMICONDUCTORS N V COM N6596X109   250,324 1,223 SH   SOLE 0 0 0 1,223
OLD DOMINION FREIGHT LINE IN COM 679580100   369,750 1,000 SH   SOLE 0 0 0 1,000
ORACLE CORP COM 68389X105   1,402,642 11,778 SH   SOLE 0 0 0 11,778
PALANTIR TECHNOLOGIES INC CL A 69608A108   574,492 37,475 SH   SOLE 0 0 0 37,475
PARKER-HANNIFIN CORP COM 701094104   734,445 1,883 SH   SOLE 0 0 0 1,883
PAYCHEX INC COM 704326107   266,909 2,386 SH   SOLE 0 0 0 2,386
PEPSICO INC COM 713448108   5,357,227 28,924 SH   SOLE 0 0 0 28,924
PFIZER INC COM 717081103   1,417,765 38,652 SH   SOLE 0 0 0 38,652
PHILIP MORRIS INTL INC COM 718172109   395,459 4,051 SH   SOLE 0 0 0 4,051
PHILLIPS 66 COM 718546104   286,186 3,000 SH   SOLE 0 0 0 3,000
PIMCO ETF TR SHTRM MUN BD ACT 72201R874   281,330 5,680 SH   SOLE 0 0 0 5,680
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   1,451,476 15,484 SH   SOLE 0 0 0 15,484
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   208,840 2,093 SH   SOLE 0 0 0 2,093
PNC FINL SVCS GROUP INC COM 693475105   610,983 4,851 SH   SOLE 0 0 0 4,851
PPG INDS INC COM 693506107   415,240 2,800 SH   SOLE 0 0 0 2,800
PRICE T ROWE GROUP INC COM 74144T108   497,929 4,445 SH   SOLE 0 0 0 4,445
PROCTER AND GAMBLE CO COM 742718109   5,946,294 39,187 SH   SOLE 0 0 0 39,187
PRUDENTIAL FINL INC COM 744320102   551,950 6,257 SH   SOLE 0 0 0 6,257
PUBLIC STORAGE COM 74460D109   1,253,333 4,294 SH   SOLE 0 0 0 4,294
QUALCOMM INC COM 747525103   220,224 1,850 SH   SOLE 0 0 0 1,850
QUEST DIAGNOSTICS INC COM 74834L100   224,896 1,600 SH   SOLE 0 0 0 1,600
RAYTHEON TECHNOLOGIES CORP COM 75513E101   776,241 7,924 SH   SOLE 0 0 0 7,924
SALESFORCE INC COM 79466L302   245,484 1,162 SH   SOLE 0 0 0 1,162
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   27,517,196 532,247 SH   SOLE 0 0 0 532,247
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   8,588,610 240,915 SH   SOLE 0 0 0 240,915
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   14,810,316 282,802 SH   SOLE 0 0 0 282,802
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   518,909 11,780 SH   SOLE 0 214 0 11,566
SCHWAB STRATEGIC TR LONG TERM US 808524680   1,711,582 47,164 SH   SOLE 0 665 0 46,499
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   3,809,709 154,678 SH   SOLE 0 0 0 154,678
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   4,141,133 94,546 SH   SOLE 0 0 0 94,546
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   18,816,963 251,060 SH   SOLE 0 2,644 0 248,416
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   6,203,732 92,469 SH   SOLE 0 649 0 91,820
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   2,164,058 45,028 SH   SOLE 0 679 0 44,349
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   506,943 10,287 SH   SOLE 0 0 0 10,287
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,232,706 63,119 SH   SOLE 0 0 0 63,119
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,907,289 26,852 SH   SOLE 0 0 0 26,852
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,426,916 33,419 SH   SOLE 0 0 0 33,419
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,124,699 24,365 SH   SOLE 0 0 0 24,365
SEI INVTS CO COM 784117103   238,480 4,000 SH   SOLE 0 0 0 4,000
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   2,231,815 26,932 SH   SOLE 0 0 0 26,932
SELECT SECTOR SPDR TR ENERGY 81369Y506   7,329,832 90,302 SH   SOLE 0 76 0 90,226
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   9,510,159 282,117 SH   SOLE 0 0 0 282,117
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   8,145,072 75,895 SH   SOLE 0 61 0 75,834
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   20,671,564 118,898 SH   SOLE 0 0 0 118,898
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   5,012,771 67,585 SH   SOLE 0 0 0 67,585
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   10,569,490 79,632 SH   SOLE 0 0 0 79,632
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   12,208,807 71,897 SH   SOLE 0 0 0 71,897
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   2,352,866 35,955 SH   SOLE 0 0 0 35,955
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   9,192,545 141,250 SH   SOLE 0 0 0 141,250
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   2,582,764 68,527 SH   SOLE 0 0 0 68,527
SERVICENOW INC COM 81762P102   484,418 862 SH   SOLE 0 0 0 862
SHERWIN WILLIAMS CO COM 824348106   799,215 3,010 SH   SOLE 0 0 0 3,010
SNAP ON INC COM 833034101   288,190 1,000 SH   SOLE 0 0 0 1,000
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   731,408 2,127 SH   SOLE 0 0 0 2,127
SPDR GOLD TR GOLD SHS 78463V107   238,704 1,339 SH   SOLE 0 0 0 1,339
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   3,390,652 104,200 SH   SOLE 0 0 0 104,200
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,412,802 41,094 SH   SOLE 0 0 0 41,094
SPDR INDEX SHS FDS EURO STOXX 50 78463X202   3,695,174 80,365 SH   SOLE 0 284 0 80,081
SPDR S&P 500 ETF TR TR UNIT 78462F103   7,196,836 16,235 SH   SOLE 0 0 0 16,235
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   403,731 843 SH   SOLE 0 0 0 843
SPDR SER TR NUVEEN BLMBRG MU 78468R721   2,446,480 53,000 SH   SOLE 0 0 0 53,000
SPDR SER TR PORTFOLIO S&P400 78464A847   8,047,482 175,365 SH   SOLE 0 710 0 174,655
SPDR SER TR PORTFOLIO S&P500 78464A854   14,301,841 274,455 SH   SOLE 0 2,452 0 272,003
SPDR SER TR BLOOMBERG HIGH Y 78468R622   434,368 4,720 SH   SOLE 0 124 0 4,596
SPDR SER TR PORTFOLIO SHORT 78464A474   365,969 12,431 SH   SOLE 0 0 0 12,431
SPDR SER TR PORT MTG BK ETF 78464A383   1,152,053 52,581 SH   SOLE 0 0 0 52,581
SPDR SER TR BLOOMBERG INVT 78468R200   571,429 18,619 SH   SOLE 0 264 0 18,355
SPDR SER TR AEROSPACE DEF 78464A631   327,037 2,691 SH   SOLE 0 0 0 2,691
SPDR SER TR PRTFLO S&P500 HI 78468R788   426,654 11,506 SH   SOLE 0 0 0 11,506
SPDR SER TR PORTFOLIO S&P600 78468R853   9,345,605 240,618 SH   SOLE 0 1,239 0 239,379
SPDR SER TR BLOOMBERG 3-12 M 78468R523   1,074,168 10,800 SH   SOLE 0 0 0 10,800
STANLEY BLACK & DECKER INC COM 854502101   234,107 2,498 SH   SOLE 0 0 0 2,498
STARBUCKS CORP COM 855244109   1,522,565 15,370 SH   SOLE 0 0 0 15,370
SUN CMNTYS INC COM 866674104   1,854,676 14,216 SH   SOLE 0 0 0 14,216
T-MOBILE US INC COM 872590104   376,280 2,709 SH   SOLE 0 0 0 2,709
TARGET CORP COM 87612E106   683,506 5,182 SH   SOLE 0 0 0 5,182
TESLA INC COM 88160R101   1,347,068 5,146 SH   SOLE 0 0 0 5,146
TEXAS INSTRS INC COM 882508104   200,542 1,114 SH   SOLE 0 0 0 1,114
TRACTOR SUPPLY CO COM 892356106   349,048 1,579 SH   SOLE 0 0 0 1,579
TRAVELERS COMPANIES INC COM 89417E109   1,618,266 9,319 SH   SOLE 0 0 0 9,319
TRUIST FINL CORP COM 89832Q109   383,503 12,636 SH   SOLE 0 0 0 12,636
UNION PAC CORP COM 907818108   792,732 3,874 SH   SOLE 0 0 0 3,874
UNITED PARCEL SERVICE INC CL B 911312106   235,535 1,314 SH   SOLE 0 0 0 1,314
UNITED RENTALS INC COM 911363109   445,370 1,000 SH   SOLE 0 0 0 1,000
VALERO ENERGY CORP COM 91913Y100   221,580 1,889 SH   SOLE 0 0 0 1,889
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   403,510 7,860 SH   SOLE 0 0 0 7,860
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   6,804,468 43,702 SH   SOLE 0 0 0 43,702
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   1,559,847 31,730 SH   SOLE 0 3,156 0 28,574
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   14,121,975 194,277 SH   SOLE 0 0 0 194,277
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   8,356,968 110,586 SH   SOLE 0 0 0 110,586
VANGUARD INDEX FDS LARGE CAP ETF 922908637   301,845 1,489 SH   SOLE 0 268 0 1,221
VANGUARD INDEX FDS VALUE ETF 922908744   6,280,987 44,201 SH   SOLE 0 794 0 43,407
VANGUARD INDEX FDS SML CP GRW ETF 922908595   269,026 1,171 SH   SOLE 0 0 0 1,171
VANGUARD INDEX FDS GROWTH ETF 922908736   757,435 2,677 SH   SOLE 0 0 0 2,677
VANGUARD INDEX FDS SMALL CP ETF 922908751   16,765,338 84,295 SH   SOLE 0 391 0 83,904
VANGUARD INDEX FDS MID CAP ETF 922908629   787,938 3,579 SH   SOLE 0 0 0 3,579
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,378,913 40,437 SH   SOLE 0 0 0 40,437
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,675,706 4,114 SH   SOLE 0 0 0 4,114
VANGUARD INDEX FDS TOTAL STK MKT 922908769   37,292,442 169,296 SH   SOLE 0 883 0 168,412
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   856,405 21,052 SH   SOLE 0 0 0 21,052
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   4,402,375 80,911 SH   SOLE 0 0 0 80,911
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   234,150 2,119 SH   SOLE 0 0 0 2,119
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   9,456,203 97,507 SH   SOLE 0 0 0 97,507
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   293,693 5,848 SH   SOLE 0 0 0 5,848
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   944,111 14,861 SH   SOLE 0 0 0 14,861
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   11,376,187 193,934 SH   SOLE 0 1,377 0 192,558
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   11,497,667 199,163 SH   SOLE 0 697 0 198,466
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   8,901,861 117,656 SH   SOLE 0 0 0 117,656
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   681,179 8,619 SH   SOLE 0 0 0 8,619
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,265,248 7,789 SH   SOLE 0 0 0 7,789
VANGUARD STAR FDS VG TL INTL STK F 921909768   25,999,748 463,619 SH   SOLE 0 1,625 0 461,994
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   700,558 15,170 SH   SOLE 0 0 0 15,170
VANGUARD WELLINGTON FD US VALUE FACTR 921935805   310,041 3,111 SH   SOLE 0 0 0 3,111
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   256,057 2,468 SH   SOLE 0 0 0 2,468
VANGUARD WORLD FDS MATERIALS ETF 92204A801   960,074 5,276 SH   SOLE 0 0 0 5,276
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   18,753,681 76,602 SH   SOLE 0 0 0 76,602
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   9,309,824 114,597 SH   SOLE 0 0 0 114,597
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   3,499,482 32,918 SH   SOLE 0 0 0 32,918
VANGUARD WORLD FDS INF TECH ETF 92204A702   45,996,095 104,026 SH   SOLE 0 0 0 104,026
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   1,409,481 4,977 SH   SOLE 0 0 0 4,977
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   2,571,642 12,512 SH   SOLE 0 0 0 12,512
VANGUARD WORLD FDS UTILITIES ETF 92204A876   2,488,130 17,501 SH   SOLE 0 0 0 17,501
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   1,825,108 9,386 SH   SOLE 0 0 0 9,386
VANGUARD WORLD FDS ENERGY ETF 92204A306   2,071,190 18,347 SH   SOLE 0 0 0 18,347
VERIZON COMMUNICATIONS INC COM 92343V104   449,521 12,087 SH   SOLE 0 0 0 12,087
VISA INC COM CL A 92826C839   1,322,387 5,568 SH   SOLE 0 0 0 5,568
WALMART INC COM 931142103   1,635,922 10,408 SH   SOLE 0 0 0 10,408
WASTE MGMT INC DEL COM 94106L109   1,420,028 8,188 SH   SOLE 0 0 0 8,188
WISDOMTREE TR US LARGECAP DIVD 97717W307   300,319 4,722 SH   SOLE 0 257 0 4,465
YUM BRANDS INC COM 988498101   2,120,721 15,307 SH   SOLE 0 0 0 15,307
YUM CHINA HLDGS INC COM 98850P109   410,437 7,264 SH   SOLE 0 0 0 7,264
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105   297,013 1,004 SH   SOLE 0 0 0 1,004