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   438,410 4,683 SH   SOLE 0 460 0 4,223
ABBOTT LABS COM 002824100   1,058,807 10,932 SH   SOLE 0 1,334 0 9,599
ABBVIE INC COM 00287Y109   1,110,537 7,450 SH   SOLE 0 1,420 0 6,030
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   490,590 1,597 SH   SOLE 0 797 0 800
AFLAC INC COM 001055102   480,609 6,262 SH   SOLE 0 1,550 0 4,712
AGILENT TECHNOLOGIES INC COM 00846U101   206,755 1,849 SH   SOLE 0 0 0 1,849
AIR PRODS & CHEMS INC COM 009158106   546,789 1,929 SH   SOLE 0 0 0 1,929
ALLIANT ENERGY CORP COM 018802108   363,602 7,505 SH   SOLE 0 4,921 0 2,584
ALPHABET INC CAP STK CL A 02079K305   3,680,438 28,125 SH   SOLE 0 6,586 0 21,539
ALPHABET INC CAP STK CL C 02079K107   1,966,543 14,915 SH   SOLE 0 5,990 0 8,925
ALTRIA GROUP INC COM 02209S103   344,548 8,194 SH   SOLE 0 1,200 0 6,994
AMAZON COM INC COM 023135106   2,150,743 16,919 SH   SOLE 0 2,817 0 14,102
AMERICAN ELEC PWR CO INC COM 025537101   451,773 6,006 SH   SOLE 0 0 0 6,006
AMERICAN EXPRESS CO COM 025816109   624,289 4,185 SH   SOLE 0 789 0 3,396
AMERICAN TOWER CORP NEW COM 03027X100   893,790 5,435 SH   SOLE 0 104 0 5,331
AMERIPRISE FINL INC COM 03076C106   210,995 640 SH   SOLE 0 0 0 640
AMGEN INC COM 031162100   454,594 1,691 SH   SOLE 0 0 0 1,691
AMPHENOL CORP NEW CL A 032095101   372,076 4,430 SH   SOLE 0 0 0 4,430
ANALOG DEVICES INC COM 032654105   210,983 1,205 SH   SOLE 0 195 0 1,010
APPLE INC COM 037833100   11,633,747 67,950 SH   SOLE 0 18,366 0 49,584
AUTOMATIC DATA PROCESSING IN COM 053015103   840,587 3,494 SH   SOLE 0 0 0 3,494
BANK AMERICA CORP COM 060505104   1,174,088 42,881 SH   SOLE 0 23,465 0 19,416
BECTON DICKINSON & CO COM 075887109   370,991 1,435 SH   SOLE 0 0 0 1,435
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   6,650,446 18,985 SH   SOLE 0 11,565 0 7,420
BLACKROCK INC COM 09247X101   376,205 582 SH   SOLE 0 308 0 274
BLACKSTONE INC COM 09260D107   665,197 6,209 SH   SOLE 0 4,159 0 2,050
BLEND LABS INC CL A 09352U108   14,206 10,369 SH   SOLE 0 0 0 10,369
BOEING CO COM 097023105   769,574 4,015 SH   SOLE 0 414 0 3,601
BRISTOL-MYERS SQUIBB CO COM 110122108   648,697 11,177 SH   SOLE 0 1,550 0 9,627
BROADCOM INC COM 11135F101   342,099 412 SH   SOLE 0 40 0 372
CANADIAN PACIFIC KANSAS CITY COM 13646K108   258,849 3,479 SH   SOLE 0 676 0 2,803
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   1,513,708 70,405 SH   SOLE 0 9,376 0 61,029
CATERPILLAR INC COM 149123101   1,594,480 5,841 SH   SOLE 0 799 0 5,042
CELANESE CORP DEL COM 150870103   445,596 3,550 SH   SOLE 0 300 0 3,250
CHEVRON CORP NEW COM 166764100   1,611,110 9,555 SH   SOLE 0 366 0 9,189
CHUBB LIMITED COM H1467J104   769,850 3,698 SH   SOLE 0 0 0 3,698
CHURCH & DWIGHT CO INC COM 171340102   248,867 2,716 SH   SOLE 0 0 0 2,716
CHURCHILL DOWNS INC COM 171484108   760,062 6,550 SH   SOLE 0 0 0 6,550
CINTAS CORP COM 172908105   590,475 1,228 SH   SOLE 0 0 0 1,228
CISCO SYS INC COM 17275R102   2,884,239 53,650 SH   SOLE 0 26,222 0 27,429
CLOROX CO DEL COM 189054109   393,332 3,001 SH   SOLE 0 40 0 2,961
COCA COLA CO COM 191216100   1,319,822 23,577 SH   SOLE 0 1,783 0 21,794
COLGATE PALMOLIVE CO COM 194162103   781,997 10,997 SH   SOLE 0 1,642 0 9,355
COMCAST CORP NEW CL A 20030N101   894,178 20,166 SH   SOLE 0 2,500 0 17,666
CONOCOPHILLIPS COM 20825C104   447,270 3,733 SH   SOLE 0 150 0 3,583
CONSTELLATION BRANDS INC CL A 21036P108   505,756 2,012 SH   SOLE 0 312 0 1,700
CONSTELLATION ENERGY CORP COM 21037T109   307,709 2,821 SH   SOLE 0 233 0 2,588
COSTCO WHSL CORP NEW COM 22160K105   3,512,522 6,217 SH   SOLE 0 300 0 5,917
CROWN CASTLE INC COM 22822V101   451,867 4,910 SH   SOLE 0 0 0 4,910
CSX CORP COM 126408103   1,403,735 45,650 SH   SOLE 0 4,900 0 40,750
CUMMINS INC COM 231021106   1,920,596 8,407 SH   SOLE 0 420 0 7,987
CVS HEALTH CORP COM 126650100   729,868 10,454 SH   SOLE 0 1,265 0 9,189
DANAHER CORPORATION COM 235851102   751,367 3,028 SH   SOLE 0 0 0 3,028
DEERE & CO COM 244199105   1,206,961 3,198 SH   SOLE 0 120 0 3,078
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   431,724 16,478 SH   SOLE 0 0 0 16,478
DISNEY WALT CO COM 254687106   2,032,801 25,081 SH   SOLE 0 336 0 24,745
DUKE ENERGY CORP NEW COM NEW 26441C204   554,398 6,281 SH   SOLE 0 0 0 6,281
DUPONT DE NEMOURS INC COM 26614N102   233,387 3,129 SH   SOLE 0 250 0 2,879
EASTMAN CHEM CO COM 277432100   305,553 3,983 SH   SOLE 0 0 0 3,983
EATON CORP PLC SHS G29183103   296,459 1,390 SH   SOLE 0 190 0 1,200
ELI LILLY & CO COM 532457108   5,971,558 11,118 SH   SOLE 0 3,819 0 7,299
EMERSON ELEC CO COM 291011104   485,554 5,028 SH   SOLE 0 900 0 4,128
EXELON CORP COM 30161N101   354,886 9,391 SH   SOLE 0 700 0 8,691
EXXON MOBIL CORP COM 30231G102   923,728 7,856 SH   SOLE 0 597 0 7,259
FASTENAL CO COM 311900104   237,022 4,338 SH   SOLE 0 1,978 0 2,360
FEDEX CORP COM 31428X106   828,140 3,126 SH   SOLE 0 552 0 2,574
FERRARI N V COM N3167Y103   295,540 1,000 SH   SOLE 0 0 0 1,000
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501   266,696 5,728 SH   SOLE 0 2,066 0 3,662
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   383,835 6,336 SH   SOLE 0 5,336 0 1,000
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865   267,298 7,049 SH   SOLE 0 6,569 0 480
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   13,692,445 314,335 SH   SOLE 0 18,685 0 295,650
FISERV INC COM 337738108   280,819 2,486 SH   SOLE 0 0 0 2,486
FORD MTR CO DEL COM 345370860   164,162 13,218 SH   SOLE 0 0 0 13,218
GALLAGHER ARTHUR J & CO COM 363576109   1,606,907 7,050 SH   SOLE 0 0 0 7,050
GENERAL MLS INC COM 370334104   232,299 3,630 SH   SOLE 0 0 0 3,630
GLOBAL X FDS US INFR DEV ETF 37954Y673   1,140,322 37,535 SH   SOLE 0 12,688 0 24,847
GLOBAL X FDS GLBL X MLP ETF 37954Y343   587,429 13,174 SH   SOLE 0 2,139 0 11,035
GLOBAL X FDS MSCI CHINA CNSMR 37950E408   186,852 10,155 SH   SOLE 0 5,105 0 5,050
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   1,948,502 23,133 SH   SOLE 0 12,663 0 10,470
GOLDMAN SACHS GROUP INC COM 38141G104   210,526 651 SH   SOLE 0 100 0 551
GRAINGER W W INC COM 384802104   1,168,518 1,689 SH   SOLE 0 0 0 1,689
HERSHEY CO COM 427866108   679,536 3,396 SH   SOLE 0 0 0 3,396
HOME DEPOT INC COM 437076102   1,774,947 5,874 SH   SOLE 0 516 0 5,358
HONEYWELL INTL INC COM 438516106   1,372,826 7,431 SH   SOLE 0 800 0 6,631
ILLINOIS TOOL WKS INC COM 452308109   417,782 1,814 SH   SOLE 0 539 0 1,275
INTEL CORP COM 458140100   871,523 24,515 SH   SOLE 0 5,544 0 18,972
INTERNATIONAL BUSINESS MACHS COM 459200101   509,419 3,631 SH   SOLE 0 168 0 3,463
INTERNATIONAL PAPER CO COM 460146103   217,381 6,129 SH   SOLE 0 1,149 0 4,980
INTUIT COM 461202103   883,229 1,729 SH   SOLE 0 119 0 1,610
INVESCO ACTIVELY MANAGED ETF TOTAL RETURN 46090A804   432,732 9,696 SH   SOLE 0 321 0 9,375
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   5,320,919 36,096 SH   SOLE 0 29,004 0 7,092
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   315,106 5,360 SH   SOLE 0 611 0 4,749
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431   5,524,764 60,552 SH   SOLE 0 21,103 0 39,449
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308   343,578 3,819 SH   SOLE 0 3,819 0 0
INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506   536,926 14,698 SH   SOLE 0 14,698 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,558,448 10,999 SH   SOLE 0 3,635 0 7,364
INVESCO QQQ TR UNIT SER 1 46090E103   3,991,450 11,141 SH   SOLE 0 5,521 0 5,620
ISHARES GOLD TR ISHARES NEW 464285204   1,754,888 50,154 SH   SOLE 0 151 0 50,003
ISHARES INC MSCI GBL MIN VOL 464286525   1,185,096 12,420 SH   SOLE 0 4,569 0 7,851
ISHARES INC JP MORGAN EM ETF 464286517   341,647 9,809 SH   SOLE 0 3,109 0 6,700
ISHARES INC MSCI WORLD ETF 464286392   1,512,817 12,589 SH   SOLE 0 3,748 0 8,841
ISHARES INC CORE MSCI EMKT 46434G103   7,515,243 157,916 SH   SOLE 0 35,516 0 122,401
ISHARES TR CORE MSCI TOTAL 46432F834   3,739,588 62,337 SH   SOLE 0 4,864 0 57,473
ISHARES TR CORE MSCI EAFE 46432F842   16,943,622 263,304 SH   SOLE 0 64,751 0 198,553
ISHARES TR GNMA BOND ETF 46429B333   1,139,591 27,276 SH   SOLE 0 11,802 0 15,474
ISHARES TR MSCI USA MMENTM 46432F396   332,352 2,379 SH   SOLE 0 574 0 1,805
ISHARES TR MSCI USA QLT FCT 46432F339   5,316,777 40,343 SH   SOLE 0 10,722 0 29,621
ISHARES TR CORE HIGH DV ETF 46429B663   388,789 3,932 SH   SOLE 0 3,732 0 200
ISHARES TR MSCI USA MIN VOL 46429B697   1,100,074 15,199 SH   SOLE 0 256 0 14,943
ISHARES TR ESG AWR MSCI USA 46435G425   782,291 8,330 SH   SOLE 0 541 0 7,789
ISHARES TR CORE DIV GRWTH 46434V621   3,367,071 67,980 SH   SOLE 0 26,455 0 41,526
ISHARES TR CORE MSCI EURO 46434V738   3,227,033 64,983 SH   SOLE 0 18,166 0 46,817
ISHARES TR CORE TOTAL USD 46434V613   2,061,119 47,149 SH   SOLE 0 4,182 0 42,967
ISHARES TR IBOXX HI YD ETF 464288513   539,549 7,319 SH   SOLE 0 4,442 0 2,877
ISHARES TR USD INV GRDE ETF 464288620   602,541 12,535 SH   SOLE 0 3,868 0 8,667
ISHARES TR CORE S&P TTL STK 464287150   10,005,912 106,231 SH   SOLE 0 28,843 0 77,388
ISHARES TR GRWT ALLOCAT ETF 464289867   1,039,982 21,048 SH   SOLE 0 3,534 0 17,514
ISHARES TR SHRT NAT MUN ETF 464288158   548,861 5,336 SH   SOLE 0 302 0 5,034
ISHARES TR RUS TP200 VL ETF 464289420   261,611 4,002 SH   SOLE 0 3,994 0 8
ISHARES TR RUS TP200 GR ETF 464289438   341,349 2,219 SH   SOLE 0 1,824 0 395
ISHARES TR MBS ETF 464288588   5,967,626 67,203 SH   SOLE 0 27,966 0 39,237
ISHARES TR 3 7 YR TREAS BD 464288661   2,028,280 17,924 SH   SOLE 0 8,495 0 9,429
ISHARES TR JPMORGAN USD EMG 464288281   2,033,540 24,643 SH   SOLE 0 9,689 0 14,954
ISHARES TR NATIONAL MUN ETF 464288414   1,704,851 16,626 SH   SOLE 0 473 0 16,153
ISHARES TR GL CLEAN ENE ETF 464288224   467,723 31,992 SH   SOLE 0 14,227 0 17,765
ISHARES TR CORE S&P MCP ETF 464287507   1,023,993 4,107 SH   SOLE 0 3,486 0 620
ISHARES TR CORE S&P SCP ETF 464287804   3,108,410 32,953 SH   SOLE 0 9,455 0 23,498
ISHARES TR S&P 500 VAL ETF 464287408   2,301,368 14,959 SH   SOLE 0 6,434 0 8,525
ISHARES TR CORE S&P500 ETF 464287200   10,361,643 24,129 SH   SOLE 0 977 0 23,152
ISHARES TR S&P 500 GRWT ETF 464287309   2,907,594 42,496 SH   SOLE 0 14,654 0 27,842
ISHARES TR MSCI EAFE ETF 464287465   2,354,791 34,167 SH   SOLE 0 9,296 0 24,871
ISHARES TR U.S. TECH ETF 464287721   2,939,649 28,018 SH   SOLE 0 5,200 0 22,818
ISHARES TR ISHARES SEMICDTR 464287523   240,614 508 SH   SOLE 0 68 0 440
ISHARES TR EXPANDED TECH 464287515   653,226 1,914 SH   SOLE 0 1,136 0 778
ISHARES TR 1 3 YR TREAS BD 464287457   201,573 2,489 SH   SOLE 0 578 0 1,911
ISHARES TR 20 YR TR BD ETF 464287432   549,967 6,201 SH   SOLE 0 2,770 0 3,431
ISHARES TR IBOXX INV CP ETF 464287242   5,963,171 58,451 SH   SOLE 0 22,495 0 35,956
ISHARES TR CORE US AGGBD ET 464287226   4,658,746 49,540 SH   SOLE 0 11,104 0 38,436
ISHARES TR SELECT DIVID ETF 464287168   1,266,794 11,769 SH   SOLE 0 7,893 0 3,876
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   3,693,905 74,041 SH   SOLE 0 7,623 0 66,418
JOHNSON & JOHNSON COM 478160104   5,436,136 34,903 SH   SOLE 0 5,411 0 29,492
JPMORGAN CHASE & CO COM 46625H100   1,945,530 13,416 SH   SOLE 0 1,443 0 11,973
KIMBERLY-CLARK CORP COM 494368103   1,493,720 12,360 SH   SOLE 0 2,479 0 9,881
KLA CORP COM NEW 482480100   275,815 601 SH   SOLE 0 0 0 601
LOCKHEED MARTIN CORP COM 539830109   614,214 1,502 SH   SOLE 0 25 0 1,477
LOWES COS INC COM 548661107   1,716,980 8,261 SH   SOLE 0 2,299 0 5,962
MARTIN MARIETTA MATLS INC COM 573284106   458,506 1,117 SH   SOLE 0 109 0 1,008
MASTERCARD INCORPORATED CL A 57636Q104   595,845 1,505 SH   SOLE 0 190 0 1,315
MCCORMICK & CO INC COM NON VTG 579780206   2,114,609 27,956 SH   SOLE 0 7,761 0 20,195
MCCORMICK & CO INC COM VTG 579780107   671,427 8,512 SH   SOLE 0 0 0 8,512
MCDONALDS CORP COM 580135101   4,451,605 16,898 SH   SOLE 0 821 0 16,077
MERCADOLIBRE INC COM 58733R102   673,244 531 SH   SOLE 0 0 0 531
MERCK & CO INC COM 58933Y105   1,928,689 18,734 SH   SOLE 0 1,538 0 17,196
META PLATFORMS INC CL A 30303M102   1,103,572 3,676 SH   SOLE 0 746 0 2,930
METLIFE INC COM 59156R108   613,604 9,754 SH   SOLE 0 50 0 9,704
MICROSOFT CORP COM 594918104   12,272,204 38,867 SH   SOLE 0 9,457 0 29,410
MONDELEZ INTL INC CL A 609207105   555,956 8,011 SH   SOLE 0 2,255 0 5,756
NEXTERA ENERGY INC COM 65339F101   790,054 13,790 SH   SOLE 0 10,327 0 3,464
NIKE INC CL B 654106103   2,064,632 21,592 SH   SOLE 0 0 0 21,592
NORFOLK SOUTHN CORP COM 655844108   1,052,284 5,343 SH   SOLE 0 125 0 5,218
NORTHROP GRUMMAN CORP COM 666807102   1,165,944 2,649 SH   SOLE 0 100 0 2,549
NVIDIA CORPORATION COM 67066G104   378,582 870 SH   SOLE 0 38 0 832
NXP SEMICONDUCTORS N V COM N6596X109   244,502 1,223 SH   SOLE 0 105 0 1,118
OLD DOMINION FREIGHT LINE IN COM 679580100   409,140 1,000 SH   SOLE 0 0 0 1,000
ORACLE CORP COM 68389X105   1,305,696 12,327 SH   SOLE 0 750 0 11,577
PALANTIR TECHNOLOGIES INC CL A 69608A108   602,080 37,630 SH   SOLE 0 0 0 37,630
PARKER-HANNIFIN CORP COM 701094104   673,091 1,728 SH   SOLE 0 0 0 1,728
PAYCHEX INC COM 704326107   283,809 2,461 SH   SOLE 0 1,687 0 774
PEPSICO INC COM 713448108   4,625,060 27,296 SH   SOLE 0 1,021 0 26,275
PFIZER INC COM 717081103   1,177,545 35,500 SH   SOLE 0 7,519 0 27,982
PHILIP MORRIS INTL INC COM 718172109   461,160 4,981 SH   SOLE 0 969 0 4,012
PHILLIPS 66 COM 718546104   360,584 3,001 SH   SOLE 0 0 0 3,001
PIMCO ETF TR SHTRM MUN BD ACT 72201R874   479,221 9,790 SH   SOLE 0 0 0 9,790
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   1,176,062 12,546 SH   SOLE 0 0 0 12,546
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   204,616 2,043 SH   SOLE 0 1,059 0 984
PIMCO ETF TR INTER MUN BD ACT 72201R866   295,700 5,906 SH   SOLE 0 0 0 5,906
PNC FINL SVCS GROUP INC COM 693475105   597,399 4,866 SH   SOLE 0 0 0 4,866
PPG INDS INC COM 693506107   363,440 2,800 SH   SOLE 0 0 0 2,800
PRICE T ROWE GROUP INC COM 74144T108   450,417 4,295 SH   SOLE 0 125 0 4,170
PROCTER AND GAMBLE CO COM 742718109   5,501,401 37,717 SH   SOLE 0 5,194 0 32,523
PRUDENTIAL FINL INC COM 744320102   561,949 5,922 SH   SOLE 0 0 0 5,922
PUBLIC STORAGE COM 74460D109   1,131,555 4,294 SH   SOLE 0 0 0 4,294
QUALCOMM INC COM 747525103   208,022 1,873 SH   SOLE 0 0 0 1,873
RTX CORPORATION COM 75513E101   508,568 7,066 SH   SOLE 0 774 0 6,292
SALESFORCE INC COM 79466L302   384,065 1,894 SH   SOLE 0 720 0 1,174
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   4,069,061 98,239 SH   SOLE 0 4,145 0 94,094
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   16,456,066 226,294 SH   SOLE 0 75,236 0 151,058
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   4,384,048 68,012 SH   SOLE 0 23,608 0 44,404
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   3,920,740 163,774 SH   SOLE 0 3,442 0 160,332
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   27,030,089 542,228 SH   SOLE 0 84 0 542,144
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   9,058,515 266,741 SH   SOLE 0 6,321 0 260,419
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   14,544,549 287,442 SH   SOLE 0 13,486 0 273,956
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   636,038 15,072 SH   SOLE 0 6,226 0 8,846
SCHWAB STRATEGIC TR LONG TERM US 808524680   1,493,237 47,135 SH   SOLE 0 16,848 0 30,287
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   2,708,621 56,559 SH   SOLE 0 7,265 0 49,294
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   300,680 6,272 SH   SOLE 0 3,203 0 3,069
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,059,836 59,709 SH   SOLE 0 1,346 0 58,364
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,892,857 27,968 SH   SOLE 0 4,880 0 23,088
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,458,182 34,740 SH   SOLE 0 1,053 0 33,687
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,832,217 41,425 SH   SOLE 0 760 0 40,665
SEI INVTS CO COM 784117103   240,920 4,000 SH   SOLE 0 0 0 4,000
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   2,069,678 35,121 SH   SOLE 0 3,993 0 31,128
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   2,426,862 30,896 SH   SOLE 0 3,407 0 27,489
SELECT SECTOR SPDR TR ENERGY 81369Y506   8,041,664 88,966 SH   SOLE 0 12,372 0 76,594
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   9,300,442 280,387 SH   SOLE 0 46,817 0 233,570
SELECT SECTOR SPDR TR INDL 81369Y704   7,511,725 74,095 SH   SOLE 0 13,147 0 60,948
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   19,657,351 119,913 SH   SOLE 0 35,771 0 84,142
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   4,617,600 67,107 SH   SOLE 0 8,470 0 58,637
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   11,005,278 85,485 SH   SOLE 0 22,117 0 63,368
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   12,322,477 76,547 SH   SOLE 0 13,106 0 63,441
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   9,547,546 145,608 SH   SOLE 0 22,838 0 122,771
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   2,455,539 72,073 SH   SOLE 0 5,435 0 66,639
SERVICENOW INC COM 81762P102   761,304 1,362 SH   SOLE 0 362 0 1,000
SHERWIN WILLIAMS CO COM 824348106   765,150 3,000 SH   SOLE 0 0 0 3,000
SNAP ON INC COM 833034101   255,060 1,000 SH   SOLE 0 0 0 1,000
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   769,616 2,298 SH   SOLE 0 1,196 0 1,102
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,313,350 39,123 SH   SOLE 0 2,590 0 36,533
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   3,328,071 107,323 SH   SOLE 0 13,992 0 93,331
SPDR INDEX SHS FDS EURO STOXX 50 78463X202   1,387,254 33,022 SH   SOLE 0 10,852 0 22,170
SPDR S&P 500 ETF TR TR UNIT 78462F103   6,817,382 15,948 SH   SOLE 0 10,221 0 5,727
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   385,160 843 SH   SOLE 0 626 0 217
SPDR SER TR PORTFOLIO S&P400 78464A847   7,572,446 172,926 SH   SOLE 0 130,655 0 42,272
SPDR SER TR PORTFOLIO S&P500 78464A854   14,787,321 294,216 SH   SOLE 0 159,808 0 134,409
SPDR SER TR NUVEEN BLMBRG MU 78468R721   2,240,324 51,266 SH   SOLE 0 14,412 0 36,854
SPDR SER TR PORTFOLIO SHORT 78464A474   395,967 13,505 SH   SOLE 0 468 0 13,037
SPDR SER TR PORTFOLIO S&P600 78468R853   9,459,172 256,346 SH   SOLE 0 86,830 0 169,516
SPDR SER TR BLOOMBERG INVT 78468R200   285,167 9,283 SH   SOLE 0 3,207 0 6,076
SPDR SER TR AEROSPACE DEF 78464A631   297,401 2,653 SH   SOLE 0 80 0 2,573
SPDR SER TR PORT MTG BK ETF 78464A383   895,477 43,052 SH   SOLE 0 2,804 0 40,248
SPDR SER TR PRTFLO S&P500 HI 78468R788   416,439 11,874 SH   SOLE 0 8,032 0 3,843
SPDR SER TR BLOOMBERG 3-12 M 78468R523   964,471 9,700 SH   SOLE 0 986 0 8,714
STANLEY BLACK & DECKER INC COM 854502101   208,900 2,499 SH   SOLE 0 250 0 2,249
STARBUCKS CORP COM 855244109   1,394,608 15,280 SH   SOLE 0 925 0 14,355
SUN CMNTYS INC COM 866674104   1,601,509 13,533 SH   SOLE 0 11,099 0 2,434
T-MOBILE US INC COM 872590104   402,084 2,871 SH   SOLE 0 0 0 2,871
TARGET CORP COM 87612E106   578,511 5,232 SH   SOLE 0 0 0 5,232
TESLA INC COM 88160R101   864,760 3,456 SH   SOLE 0 664 0 2,792
TRACTOR SUPPLY CO COM 892356106   346,390 1,706 SH   SOLE 0 0 0 1,706
TRAVELERS COMPANIES INC COM 89417E109   1,527,549 9,354 SH   SOLE 0 16 0 9,338
TRUIST FINL CORP COM 89832Q109   231,995 8,109 SH   SOLE 0 500 0 7,609
UNION PAC CORP COM 907818108   775,453 3,808 SH   SOLE 0 595 0 3,213
UNITED RENTALS INC COM 911363109   444,570 1,000 SH   SOLE 0 0 0 1,000
UNITEDHEALTH GROUP INC COM 91324P102   216,318 429 SH   SOLE 0 0 0 429
VALERO ENERGY CORP COM 91913Y100   292,489 2,064 SH   SOLE 0 200 0 1,864
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   662,252 13,496 SH   SOLE 0 3,231 0 10,265
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   6,253,872 42,060 SH   SOLE 0 19,290 0 22,770
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   1,162,606 23,635 SH   SOLE 0 13,292 0 10,343
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   14,104,982 202,135 SH   SOLE 0 40,840 0 161,295
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   8,867,079 117,960 SH   SOLE 0 7,192 0 110,768
VANGUARD INDEX FDS VALUE ETF 922908744   6,684,400 48,462 SH   SOLE 0 30,116 0 18,346
VANGUARD INDEX FDS LARGE CAP ETF 922908637   305,259 1,560 SH   SOLE 0 1,076 0 484
VANGUARD INDEX FDS SML CP GRW ETF 922908595   250,805 1,171 SH   SOLE 0 0 0 1,171
VANGUARD INDEX FDS GROWTH ETF 922908736   776,980 2,853 SH   SOLE 0 1,088 0 1,765
VANGUARD INDEX FDS SMALL CP ETF 922908751   15,637,415 82,707 SH   SOLE 0 17,027 0 65,680
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,616,563 4,117 SH   SOLE 0 278 0 3,839
VANGUARD INDEX FDS MID CAP ETF 922908629   687,473 3,301 SH   SOLE 0 414 0 2,888
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,824,543 37,332 SH   SOLE 0 4,401 0 32,931
VANGUARD INDEX FDS TOTAL STK MKT 922908769   35,661,758 167,891 SH   SOLE 0 33,664 0 134,227
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   802,737 20,473 SH   SOLE 0 3,360 0 17,113
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   4,118,901 79,408 SH   SOLE 0 11,870 0 67,538
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   225,082 2,119 SH   SOLE 0 1,260 0 859
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   8,554,866 91,810 SH   SOLE 0 60,809 0 31,002
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   712,031 14,803 SH   SOLE 0 2,607 0 12,196
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   830,492 14,961 SH   SOLE 0 11,712 0 3,249
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   12,831,322 224,520 SH   SOLE 0 97,023 0 127,497
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   14,285,262 248,008 SH   SOLE 0 69,770 0 178,238
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   8,477,954 112,814 SH   SOLE 0 12,947 0 99,866
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   635,914 8,369 SH   SOLE 0 3,061 0 5,308
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,202,097 7,736 SH   SOLE 0 0 0 7,736
VANGUARD STAR FDS VG TL INTL STK F 921909768   25,562,377 477,623 SH   SOLE 0 115,743 0 361,880
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   604,024 13,816 SH   SOLE 0 8,139 0 5,677
VANGUARD WELLINGTON FD US VALUE FACTR 921935805   313,218 3,130 SH   SOLE 0 3,130 0 0
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   251,767 2,483 SH   SOLE 0 231 0 2,252
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   8,940,697 111,313 SH   SOLE 0 10,510 0 100,804
VANGUARD WORLD FDS UTILITIES ETF 92204A876   2,131,983 16,716 SH   SOLE 0 1,009 0 15,707
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   3,389,438 32,222 SH   SOLE 0 603 0 31,619
VANGUARD WORLD FDS INF TECH ETF 92204A702   42,194,684 101,698 SH   SOLE 0 3,539 0 98,160
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   1,338,764 4,970 SH   SOLE 0 138 0 4,832
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   2,419,401 12,408 SH   SOLE 0 1,294 0 11,114
VANGUARD WORLD FDS MATERIALS ETF 92204A801   611,066 3,542 SH   SOLE 0 570 0 2,972
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   17,660,041 75,117 SH   SOLE 0 12,014 0 63,103
VANGUARD WORLD FDS ENERGY ETF 92204A306   2,202,325 17,377 SH   SOLE 0 774 0 16,603
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   1,628,503 8,915 SH   SOLE 0 1,102 0 7,813
VERIZON COMMUNICATIONS INC COM 92343V104   213,466 6,586 SH   SOLE 0 0 0 6,586
VISA INC COM CL A 92826C839   1,243,299 5,405 SH   SOLE 0 547 0 4,858
WALMART INC COM 931142103   1,670,641 10,446 SH   SOLE 0 2,659 0 7,787
WASTE MGMT INC DEL COM 94106L109   1,235,925 8,108 SH   SOLE 0 20 0 8,088
WISDOMTREE TR US LARGECAP DIVD 97717W307   255,368 4,153 SH   SOLE 0 1,698 0 2,455
YUM BRANDS INC COM 988498101   1,870,575 14,972 SH   SOLE 0 687 0 14,285
YUM CHINA HLDGS INC COM 98850P109   400,720 7,192 SH   SOLE 0 380 0 6,811