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   411,958 3,884 SH   SOLE 0 355 0 3,529
ABBOTT LABS COM 002824100   1,217,938 10,716 SH   SOLE 0 1,774 0 8,942
ABBVIE INC COM 00287Y109   1,335,425 7,333 SH   SOLE 0 1,839 0 5,494
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   490,712 1,416 SH   SOLE 0 724 0 692
AFLAC INC COM 001055102   529,499 6,167 SH   SOLE 0 1,555 0 4,612
AGILENT TECHNOLOGIES INC COM 00846U101   249,639 1,716 SH   SOLE 0 0 0 1,716
AIR PRODS & CHEMS INC COM 009158106   501,974 2,072 SH   SOLE 0 67 0 2,005
ALLIANT ENERGY CORP COM 018802108   273,786 5,432 SH   SOLE 0 4,144 0 1,288
ALPHABET INC CAP STK CL C 02079K107   2,237,410 14,695 SH   SOLE 0 5,922 0 8,773
ALPHABET INC CAP STK CL A 02079K305   4,090,810 27,104 SH   SOLE 0 6,801 0 20,303
ALTRIA GROUP INC COM 02209S103   365,325 8,375 SH   SOLE 0 1,616 0 6,760
AMAZON COM INC COM 023135106   3,017,851 16,731 SH   SOLE 0 3,144 0 13,587
AMERICAN CENTY ETF TR US EQT ETF 025072885   204,150 2,281 SH   SOLE 0 0 0 2,281
AMERICAN ELEC PWR CO INC COM 025537101   480,859 5,585 SH   SOLE 0 0 0 5,585
AMERICAN EXPRESS CO COM 025816109   924,750 4,061 SH   SOLE 0 896 0 3,165
AMERICAN TOWER CORP NEW COM 03027X100   1,016,821 5,146 SH   SOLE 0 108 0 5,038
AMERIPRISE FINL INC COM 03076C106   281,917 643 SH   SOLE 0 3 0 640
AMGEN INC COM 031162100   467,165 1,643 SH   SOLE 0 33 0 1,610
AMPHENOL CORP NEW CL A 032095101   511,037 4,430 SH   SOLE 0 0 0 4,430
ANALOG DEVICES INC COM 032654105   228,236 1,154 SH   SOLE 0 151 0 1,003
APPLE INC COM 037833100   12,850,417 74,938 SH   SOLE 0 19,448 0 55,491
APPLIED MATLS INC COM 038222105   227,382 1,103 SH   SOLE 0 3 0 1,099
AURORA INNOVATION INC CLASS A COM 051774107   80,536 28,559 SH   SOLE 0 0 0 28,559
AUTOMATIC DATA PROCESSING IN COM 053015103   884,900 3,543 SH   SOLE 0 7 0 3,536
BANK AMERICA CORP COM 060505104   1,421,366 37,483 SH   SOLE 0 23,256 0 14,228
BECTON DICKINSON & CO COM 075887109   378,104 1,528 SH   SOLE 0 93 0 1,435
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   7,895,696 18,776 SH   SOLE 0 11,557 0 7,219
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   559,231 9,741 SH   SOLE 0 0 0 9,741
BLACKROCK ETF TRUST II FLEXIBLE INCOME 092528603   3,703,414 70,595 SH   SOLE 0 28,860 0 41,735
BLACKROCK INC COM 09247X101   903,249 1,083 SH   SOLE 0 309 0 775
BLACKSTONE INC COM 09260D107   656,430 4,997 SH   SOLE 0 3,289 0 1,708
BLEND LABS INC CL A 09352U108   33,699 10,369 SH   SOLE 0 0 0 10,369
BOEING CO COM 097023105   518,794 2,688 SH   SOLE 0 189 0 2,499
BRISTOL-MYERS SQUIBB CO COM 110122108   476,869 8,793 SH   SOLE 0 1,520 0 7,273
BROADCOM INC COM 11135F101   536,891 405 SH   SOLE 0 45 0 360
CANADIAN PACIFIC KANSAS CITY COM 13646K108   263,776 2,992 SH   SOLE 0 534 0 2,458
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   3,639,463 162,042 SH   SOLE 0 15,973 0 146,069
CATERPILLAR INC COM 149123101   2,082,961 5,684 SH   SOLE 0 1,005 0 4,680
CELANESE CORP DEL COM 150870103   554,249 3,225 SH   SOLE 0 300 0 2,925
CHEVRON CORP NEW COM 166764100   1,382,469 8,764 SH   SOLE 0 206 0 8,559
CHUBB LIMITED COM H1467J104   935,459 3,610 SH   SOLE 0 4 0 3,606
CHURCH & DWIGHT CO INC COM 171340102   265,156 2,542 SH   SOLE 0 0 0 2,542
CHURCHILL DOWNS INC COM 171484108   810,563 6,550 SH   SOLE 0 0 0 6,550
CINTAS CORP COM 172908105   819,665 1,193 SH   SOLE 0 0 0 1,193
CISCO SYS INC COM 17275R102   2,457,212 49,233 SH   SOLE 0 27,058 0 22,175
CLOROX CO DEL COM 189054109   259,553 1,695 SH   SOLE 0 0 0 1,695
COCA COLA CO COM 191216100   1,307,846 21,377 SH   SOLE 0 1,572 0 19,805
COLGATE PALMOLIVE CO COM 194162103   932,198 10,352 SH   SOLE 0 1,438 0 8,914
COMCAST CORP NEW CL A 20030N101   778,812 17,966 SH   SOLE 0 2,501 0 15,465
CONOCOPHILLIPS COM 20825C104   361,377 2,839 SH   SOLE 0 5 0 2,834
CONSTELLATION BRANDS INC CL A 21036P108   509,822 1,876 SH   SOLE 0 301 0 1,575
CONSTELLATION ENERGY CORP COM 21037T109   481,428 2,604 SH   SOLE 0 233 0 2,371
COSTCO WHSL CORP NEW COM 22160K105   4,311,938 5,886 SH   SOLE 0 299 0 5,587
CROWN CASTLE INC COM 22822V101   506,291 4,784 SH   SOLE 0 0 0 4,784
CSX CORP COM 126408103   1,624,396 43,820 SH   SOLE 0 4,925 0 38,895
CUMMINS INC COM 231021106   2,354,997 7,993 SH   SOLE 0 420 0 7,573
CVS HEALTH CORP COM 126650100   774,059 9,705 SH   SOLE 0 1,275 0 8,429
DANAHER CORPORATION COM 235851102   746,951 2,991 SH   SOLE 0 8 0 2,983
DEERE & CO COM 244199105   1,257,205 3,061 SH   SOLE 0 53 0 3,008
DELTA AIR LINES INC DEL COM NEW 247361702   208,340 4,352 SH   SOLE 0 110 0 4,242
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   526,472 16,478 SH   SOLE 0 0 0 16,478
DISNEY WALT CO COM 254687106   2,861,697 23,388 SH   SOLE 0 115 0 23,272
DUKE ENERGY CORP NEW COM NEW 26441C204   558,198 5,772 SH   SOLE 0 15 0 5,757
DUPONT DE NEMOURS INC COM 26614N102   209,110 2,727 SH   SOLE 0 251 0 2,476
EASTMAN CHEM CO COM 277432100   374,822 3,740 SH   SOLE 0 0 0 3,740
EATON CORP PLC SHS G29183103   494,094 1,580 SH   SOLE 0 430 0 1,150
ECOLAB INC COM 278865100   231,593 1,003 SH   SOLE 0 3 0 1,000
ELI LILLY & CO COM 532457108   7,991,673 10,273 SH   SOLE 0 3,550 0 6,723
EMERSON ELEC CO COM 291011104   536,477 4,730 SH   SOLE 0 900 0 3,830
EXELON CORP COM 30161N101   336,064 8,945 SH   SOLE 0 705 0 8,240
EXXON MOBIL CORP COM 30231G102   857,757 7,379 SH   SOLE 0 627 0 6,752
FASTENAL CO COM 311900104   325,908 4,225 SH   SOLE 0 1,865 0 2,360
FEDEX CORP COM 31428X106   370,709 1,279 SH   SOLE 0 87 0 1,192
FERRARI N V COM N3167Y103   435,940 1,000 SH   SOLE 0 0 0 1,000
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   395,317 5,666 SH   SOLE 0 4,966 0 700
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865   285,020 6,719 SH   SOLE 0 6,239 0 480
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501   322,067 5,422 SH   SOLE 0 1,794 0 3,628
FIDELITY COVINGTON TRUST ENHANCED LARGE 31609A107   1,240,243 42,474 SH   SOLE 0 42,474 0 0
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   19,143,144 422,493 SH   SOLE 0 25,535 0 396,957
FIDELITY NATL INFORMATION SV COM 31620M106   281,345 3,793 SH   SOLE 0 0 0 3,793
FISERV INC COM 337738108   398,455 2,493 SH   SOLE 0 7 0 2,486
FORD MTR CO DEL COM 345370860   158,064 11,902 SH   SOLE 0 55 0 11,847
GALLAGHER ARTHUR J & CO COM 363576109   1,567,596 6,269 SH   SOLE 0 2 0 6,267
GENERAL DYNAMICS CORP COM 369550108   231,924 821 SH   SOLE 0 90 0 731
GENERAL ELECTRIC CO COM NEW 369604301   269,827 1,537 SH   SOLE 0 193 0 1,344
GENERAL MLS INC COM 370334104   233,471 3,337 SH   SOLE 0 5 0 3,332
GLOBAL X FDS US INFR DEV ETF 37954Y673   1,453,105 36,501 SH   SOLE 0 12,418 0 24,083
GLOBAL X FDS GLBL X MLP ETF 37954Y343   1,075,933 22,313 SH   SOLE 0 7,125 0 15,188
GLOBAL X FDS MSCI CHINA CNSMR 37950E408   173,447 10,155 SH   SOLE 0 5,105 0 5,050
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   1,592,940 15,348 SH   SOLE 0 7,367 0 7,981
GRAINGER W W INC COM 384802104   1,941,617 1,909 SH   SOLE 0 1 0 1,908
HERSHEY CO COM 427866108   587,238 3,019 SH   SOLE 0 0 0 3,019
HOME DEPOT INC COM 437076102   2,143,405 5,588 SH   SOLE 0 558 0 5,030
HONEYWELL INTL INC COM 438516106   1,480,531 7,213 SH   SOLE 0 702 0 6,511
ILLINOIS TOOL WKS INC COM 452308109   414,302 1,544 SH   SOLE 0 319 0 1,225
INTEL CORP COM 458140100   1,036,092 23,457 SH   SOLE 0 5,792 0 17,664
INTERNATIONAL BUSINESS MACHS COM 459200101   658,239 3,447 SH   SOLE 0 115 0 3,332
INTERNATIONAL PAPER CO COM 460146103   209,031 5,357 SH   SOLE 0 475 0 4,882
INTUIT COM 461202103   1,108,983 1,706 SH   SOLE 0 119 0 1,587
INTUITIVE SURGICAL INC COM NEW 46120E602   599,433 1,502 SH   SOLE 0 2 0 1,500
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784   559,438 27,343 SH   SOLE 0 12,305 0 15,038
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   351,057 5,330 SH   SOLE 0 581 0 4,749
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   6,783,671 37,132 SH   SOLE 0 30,813 0 6,319
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431   6,375,237 59,867 SH   SOLE 0 22,727 0 37,140
INVESCO EXCHANGE TRADED FD T AI AND NEXT GEN 46137V639   260,175 5,751 SH   SOLE 0 5,751 0 0
INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506   580,285 13,631 SH   SOLE 0 13,631 0 0
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308   388,072 3,586 SH   SOLE 0 3,586 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   4,661,337 10,498 SH   SOLE 0 5,621 0 4,877
ISHARES GOLD TR ISHARES NEW 464285204   1,759,967 41,894 SH   SOLE 0 0 0 41,894
ISHARES INC MSCI GBL MIN VOL 464286525   923,744 8,775 SH   SOLE 0 2,993 0 5,782
ISHARES INC MSCI WORLD ETF 464286392   1,655,162 11,422 SH   SOLE 0 3,732 0 7,690
ISHARES INC CORE MSCI EMKT 46434G103   6,136,057 118,916 SH   SOLE 0 26,224 0 92,692
ISHARES INC MSCI JPN ETF NEW 46434G822   1,668,662 23,387 SH   SOLE 0 8,472 0 14,915
ISHARES INC MSCI EURZONE ETF 464286608   349,381 6,843 SH   SOLE 0 2,121 0 4,722
ISHARES TR CORE S&P MCP ETF 464287507   1,212,672 19,965 SH   SOLE 0 17,461 0 2,504
ISHARES TR CORE S&P SCP ETF 464287804   3,893,262 35,227 SH   SOLE 0 9,555 0 25,672
ISHARES TR S&P 500 VAL ETF 464287408   2,174,468 11,640 SH   SOLE 0 6,120 0 5,520
ISHARES TR CORE S&P500 ETF 464287200   13,985,906 26,603 SH   SOLE 0 1,304 0 25,299
ISHARES TR S&P 500 GRWT ETF 464287309   3,101,386 36,729 SH   SOLE 0 14,169 0 22,560
ISHARES TR RUS 1000 VAL ETF 464287598   211,815 1,183 SH   SOLE 0 412 0 771
ISHARES TR U.S. TECH ETF 464287721   3,639,462 26,947 SH   SOLE 0 4,949 0 21,998
ISHARES TR MSCI EAFE ETF 464287465   2,406,514 30,134 SH   SOLE 0 8,930 0 21,204
ISHARES TR ISHARES BIOTECH 464287556   201,481 1,468 SH   SOLE 0 779 0 689
ISHARES TR 7-10 YR TRSY BD 464287440   749,707 7,920 SH   SOLE 0 2,503 0 5,417
ISHARES TR 20 YR TR BD ETF 464287432   206,934 2,187 SH   SOLE 0 272 0 1,915
ISHARES TR IBOXX INV CP ETF 464287242   6,333,262 58,146 SH   SOLE 0 22,217 0 35,929
ISHARES TR CORE US AGGBD ET 464287226   1,504,456 15,361 SH   SOLE 0 7,993 0 7,368
ISHARES TR SELECT DIVID ETF 464287168   1,395,653 11,330 SH   SOLE 0 7,856 0 3,474
ISHARES TR ISHARES SEMICDTR 464287523   271,104 1,200 SH   SOLE 0 204 0 996
ISHARES TR EXPANDED TECH 464287515   768,350 9,011 SH   SOLE 0 5,121 0 3,890
ISHARES TR S&P 100 ETF 464287101   208,319 842 SH   SOLE 0 0 0 842
ISHARES TR CORE MSCI TOTAL 46432F834   4,687,858 69,081 SH   SOLE 0 5,466 0 63,616
ISHARES TR CORE MSCI EAFE 46432F842   20,575,232 277,220 SH   SOLE 0 71,960 0 205,260
ISHARES TR GNMA BOND ETF 46429B333   605,291 13,950 SH   SOLE 0 8,023 0 5,927
ISHARES TR MSCI USA MMENTM 46432F396   315,680 1,685 SH   SOLE 0 302 0 1,383
ISHARES TR MSCI USA QLT FCT 46432F339   8,909,099 54,208 SH   SOLE 0 17,521 0 36,687
ISHARES TR MSCI USA MIN VOL 46429B697   1,177,211 14,085 SH   SOLE 0 253 0 13,832
ISHARES TR CONV BD ETF 46435G102   296,728 3,717 SH   SOLE 0 2,560 0 1,157
ISHARES TR CORE DIV GRWTH 46434V621   2,349,774 40,471 SH   SOLE 0 20,084 0 20,388
ISHARES TR CORE MSCI EURO 46434V738   788,553 13,631 SH   SOLE 0 2,681 0 10,950
ISHARES TR CORE TOTAL USD 46434V613   1,919,385 42,101 SH   SOLE 0 2,857 0 39,244
ISHARES TR ESG AWR MSCI USA 46435G425   1,130,320 9,832 SH   SOLE 0 533 0 9,299
ISHARES TR FLTG RATE NT ETF 46429B655   303,194 5,938 SH   SOLE 0 2,698 0 3,240
ISHARES TR CORE HIGH DV ETF 46429B663   380,688 3,454 SH   SOLE 0 3,254 0 200
ISHARES TR GRWT ALLOCAT ETF 464289867   958,470 17,217 SH   SOLE 0 3,534 0 13,683
ISHARES TR SHRT NAT MUN ETF 464288158   538,731 5,144 SH   SOLE 0 0 0 5,144
ISHARES TR RUS TP200 VL ETF 464289420   374,197 4,903 SH   SOLE 0 3,931 0 972
ISHARES TR RUS TP200 GR ETF 464289438   844,978 4,331 SH   SOLE 0 2,162 0 2,169
ISHARES TR IBOXX HI YD ETF 464288513   235,056 3,024 SH   SOLE 0 798 0 2,226
ISHARES TR USD INV GRDE ETF 464288620   1,292,147 25,451 SH   SOLE 0 8,172 0 17,279
ISHARES TR CORE S&P TTL STK 464287150   12,253,135 106,272 SH   SOLE 0 30,728 0 75,544
ISHARES TR MBS ETF 464288588   5,935,767 64,226 SH   SOLE 0 26,256 0 37,970
ISHARES TR MSCI KLD400 SOC 464288570   372,392 3,694 SH   SOLE 0 0 0 3,694
ISHARES TR NATIONAL MUN ETF 464288414   1,444,842 13,428 SH   SOLE 0 431 0 12,997
ISHARES TR JPMORGAN USD EMG 464288281   253,318 2,825 SH   SOLE 0 355 0 2,470
ISHARES TR MSCI ACWI EX US 464288240   479,282 8,977 SH   SOLE 0 4,104 0 4,873
ISHARES TR GL CLEAN ENE ETF 464288224   453,260 32,422 SH   SOLE 0 14,440 0 17,982
ISHARES TR ESG MSCI USA ETF 46436E767   331,898 7,351 SH   SOLE 0 0 0 7,351
ISHARES U S ETF TR BLACKROCK SH DUR 46431W507   4,543,995 90,051 SH   SOLE 0 8,606 0 81,445
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   309,765 5,859 SH   SOLE 0 1,556 0 4,303
JOHNSON & JOHNSON COM 478160104   4,811,813 30,418 SH   SOLE 0 4,987 0 25,431
JPMORGAN CHASE & CO COM 46625H100   2,597,083 12,966 SH   SOLE 0 1,464 0 11,502
KIMBERLY-CLARK CORP COM 494368103   1,103,527 8,531 SH   SOLE 0 1,136 0 7,395
KLA CORP COM NEW 482480100   316,004 452 SH   SOLE 0 1 0 452
LOCKHEED MARTIN CORP COM 539830109   669,903 1,473 SH   SOLE 0 26 0 1,447
LOWES COS INC COM 548661107   1,933,929 7,592 SH   SOLE 0 2,219 0 5,373
M & T BK CORP COM 55261F104   213,495 1,468 SH   SOLE 0 1 0 1,467
MARTIN MARIETTA MATLS INC COM 573284106   686,342 1,118 SH   SOLE 0 110 0 1,008
MARVELL TECHNOLOGY INC COM 573874104   277,275 3,912 SH   SOLE 0 15 0 3,897
MASCO CORP COM 574599106   240,978 3,055 SH   SOLE 0 5 0 3,050
MASTERCARD INCORPORATED CL A 57636Q104   1,690,340 3,510 SH   SOLE 0 195 0 3,315
MCCORMICK & CO INC COM NON VTG 579780206   2,000,213 26,041 SH   SOLE 0 7,264 0 18,777
MCCORMICK & CO INC COM VTG 579780107   658,999 8,512 SH   SOLE 0 0 0 8,512
MCDONALDS CORP COM 580135101   4,540,829 16,105 SH   SOLE 0 777 0 15,328
MERCADOLIBRE INC COM 58733R102   802,851 531 SH   SOLE 0 0 0 531
MERCK & CO INC COM 58933Y105   2,102,646 15,935 SH   SOLE 0 1,258 0 14,677
META PLATFORMS INC CL A 30303M102   1,743,819 3,591 SH   SOLE 0 722 0 2,869
METLIFE INC COM 59156R108   522,179 7,046 SH   SOLE 0 20 0 7,026
MICROSOFT CORP COM 594918104   15,781,945 37,512 SH   SOLE 0 9,442 0 28,070
MONDELEZ INTL INC CL A 609207105   515,501 7,364 SH   SOLE 0 2,255 0 5,109
NEXTERA ENERGY INC COM 65339F101   726,818 11,373 SH   SOLE 0 8,040 0 3,333
NIKE INC CL B 654106103   1,875,387 19,955 SH   SOLE 0 0 0 19,955
NORFOLK SOUTHN CORP COM 655844108   1,254,196 4,921 SH   SOLE 0 127 0 4,794
NORTHROP GRUMMAN CORP COM 666807102   1,117,721 2,335 SH   SOLE 0 51 0 2,285
NVIDIA CORPORATION COM 67066G104   877,622 971 SH   SOLE 0 63 0 908
NXP SEMICONDUCTORS N V COM N6596X109   386,493 1,560 SH   SOLE 0 106 0 1,454
OLD DOMINION FREIGHT LINE IN COM 679580100   438,620 2,000 SH   SOLE 0 0 0 2,000
ORACLE CORP COM 68389X105   1,578,415 12,566 SH   SOLE 0 1,298 0 11,268
PALANTIR TECHNOLOGIES INC CL A 69608A108   857,813 37,280 SH   SOLE 0 30 0 37,250
PARKER-HANNIFIN CORP COM 701094104   932,616 1,678 SH   SOLE 0 0 0 1,678
PAYCHEX INC COM 704326107   288,474 2,349 SH   SOLE 0 1,649 0 700
PEPSICO INC COM 713448108   4,716,728 26,951 SH   SOLE 0 909 0 26,043
PFIZER INC COM 717081103   771,795 27,812 SH   SOLE 0 6,288 0 21,525
PHILIP MORRIS INTL INC COM 718172109   443,991 4,846 SH   SOLE 0 969 0 3,877
PIMCO ETF TR SHTRM MUN BD ACT 72201R874   512,024 10,261 SH   SOLE 0 0 0 10,261
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   208,792 2,077 SH   SOLE 0 1,143 0 934
PIMCO ETF TR INTER MUN BD ACT 72201R866   420,127 8,007 SH   SOLE 0 0 0 8,007
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   980,094 10,332 SH   SOLE 0 0 0 10,332
PNC FINL SVCS GROUP INC COM 693475105   933,333 5,776 SH   SOLE 0 6 0 5,770
PPG INDS INC COM 693506107   347,760 2,400 SH   SOLE 0 0 0 2,400
PRICE T ROWE GROUP INC COM 74144T108   496,580 4,073 SH   SOLE 0 119 0 3,954
PROCTER AND GAMBLE CO COM 742718109   6,329,144 39,009 SH   SOLE 0 7,022 0 31,987
PRUDENTIAL FINL INC COM 744320102   665,184 5,666 SH   SOLE 0 0 0 5,666
PUBLIC STORAGE COM 74460D109   1,240,007 4,275 SH   SOLE 0 1 0 4,274
QUALCOMM INC COM 747525103   313,316 1,851 SH   SOLE 0 1 0 1,850
RTX CORPORATION COM 75513E101   710,975 7,290 SH   SOLE 0 789 0 6,501
SALESFORCE INC COM 79466L302   690,364 2,292 SH   SOLE 0 725 0 1,567
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   4,420,802 89,781 SH   SOLE 0 3,563 0 86,218
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   18,516,789 199,707 SH   SOLE 0 69,139 0 130,568
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,327,350 17,470 SH   SOLE 0 5,788 0 11,682
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   4,241,899 167,996 SH   SOLE 0 3,142 0 164,854
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   36,646,579 600,272 SH   SOLE 0 72 0 600,200
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   12,105,517 310,239 SH   SOLE 0 7,474 0 302,764
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   17,972,677 289,602 SH   SOLE 0 13,480 0 276,122
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   3,417,092 70,879 SH   SOLE 0 16,855 0 54,024
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   347,617 7,087 SH   SOLE 0 2,660 0 4,427
SCHWAB STRATEGIC TR US REIT ETF 808524847   762,523 37,563 SH   SOLE 0 1,256 0 36,307
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   2,172,752 26,682 SH   SOLE 0 4,866 0 21,816
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,646,966 35,804 SH   SOLE 0 924 0 34,880
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   3,043,687 37,749 SH   SOLE 0 4,422 0 33,327
SCHWAB STRATEGIC TR LONG TERM US 808524680   2,823,471 83,708 SH   SOLE 0 33,029 0 50,679
SEI INVTS CO COM 784117103   287,600 4,000 SH   SOLE 0 0 0 4,000
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   2,482,113 37,808 SH   SOLE 0 4,253 0 33,555
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   2,687,308 28,930 SH   SOLE 0 3,286 0 25,644
SELECT SECTOR SPDR TR ENERGY 81369Y506   8,389,936 88,867 SH   SOLE 0 13,186 0 75,681
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   10,948,632 259,939 SH   SOLE 0 48,871 0 211,068
SELECT SECTOR SPDR TR INDL 81369Y704   10,973,658 87,120 SH   SOLE 0 17,448 0 69,672
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   25,574,889 122,797 SH   SOLE 0 37,085 0 85,712
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   4,459,448 58,400 SH   SOLE 0 8,329 0 50,071
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   12,803,305 86,667 SH   SOLE 0 24,908 0 61,759
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   15,450,483 84,020 SH   SOLE 0 15,308 0 68,713
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   2,248,601 56,883 SH   SOLE 0 4,609 0 52,274
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   12,264,984 150,196 SH   SOLE 0 22,651 0 127,545
SERVICENOW INC COM 81762P102   1,038,389 1,362 SH   SOLE 0 362 0 1,000
SHERWIN WILLIAMS CO COM 824348106   1,043,459 3,004 SH   SOLE 0 4 0 3,000
SNAP ON INC COM 833034101   296,220 1,000 SH   SOLE 0 0 0 1,000
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   875,945 2,202 SH   SOLE 0 1,198 0 1,004
SPDR INDEX SHS FDS EURO STOXX 50 78463X202   1,283,429 24,423 SH   SOLE 0 7,847 0 16,576
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   4,167,198 116,272 SH   SOLE 0 15,046 0 101,226
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,652,592 45,664 SH   SOLE 0 2,894 0 42,770
SPDR S&P 500 ETF TR TR UNIT 78462F103   7,895,689 15,095 SH   SOLE 0 8,611 0 6,484
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   469,908 845 SH   SOLE 0 628 0 217
SPDR SER TR PORTFOLIO S&P400 78464A847   10,047,394 188,365 SH   SOLE 0 139,699 0 48,666
SPDR SER TR PORTFLI INTRMDIT 78464A672   291,240 10,335 SH   SOLE 0 5,535 0 4,800
SPDR SER TR PORTFOLIO S&P500 78464A854   19,934,121 323,974 SH   SOLE 0 170,040 0 153,934
SPDR SER TR NUVEEN BLMBRG MU 78468R721   1,327,562 28,562 SH   SOLE 0 9,859 0 18,703
SPDR SER TR PORTFOLIO S&P600 78468R853   11,194,312 260,091 SH   SOLE 0 90,877 0 169,214
SPDR SER TR SPDR S&P 500 ETF 78468R796   233,431 5,454 SH   SOLE 0 0 0 5,454
SPDR SER TR PRTFLO S&P500 HI 78468R788   398,559 9,790 SH   SOLE 0 8,280 0 1,510
SPDR SER TR AEROSPACE DEF 78464A631   1,368,708 9,741 SH   SOLE 0 2,105 0 7,636
SPDR SER TR NUVEEN BLOOMBERG 78464A284   782,132 30,445 SH   SOLE 0 9,931 0 20,514
SPDR SER TR PORT MTG BK ETF 78464A383   728,931 33,560 SH   SOLE 0 0 0 33,560
SPDR SER TR PORTFOLIO SHORT 78464A474   366,469 12,310 SH   SOLE 0 468 0 11,842
SPDR SER TR BLOOMBERG 3-12 M 78468R523   749,030 7,534 SH   SOLE 0 986 0 6,548
STANLEY BLACK & DECKER INC COM 854502101   227,335 2,321 SH   SOLE 0 250 0 2,071
STARBUCKS CORP COM 855244109   1,296,234 14,184 SH   SOLE 0 1,051 0 13,132
SUN CMNTYS INC COM 866674104   1,599,878 12,443 SH   SOLE 0 10,000 0 2,442
T-MOBILE US INC COM 872590104   444,828 2,725 SH   SOLE 0 3 0 2,722
TARGET CORP COM 87612E106   891,189 5,029 SH   SOLE 0 2 0 5,027
TESLA INC COM 88160R101   594,243 3,380 SH   SOLE 0 634 0 2,746
TJX COS INC NEW COM 872540109   205,477 2,026 SH   SOLE 0 15 0 2,011
TRACTOR SUPPLY CO COM 892356106   450,721 1,722 SH   SOLE 0 1 0 1,721
TRAVELERS COMPANIES INC COM 89417E109   2,051,228 8,913 SH   SOLE 0 119 0 8,794
TRUIST FINL CORP COM 89832Q109   293,398 7,527 SH   SOLE 0 26 0 7,501
UNION PAC CORP COM 907818108   901,173 3,664 SH   SOLE 0 604 0 3,060
UNITED PARCEL SERVICE INC CL B 911312106   217,717 1,465 SH   SOLE 0 384 0 1,081
UNITED RENTALS INC COM 911363109   721,240 1,000 SH   SOLE 0 0 0 1,000
UNITEDHEALTH GROUP INC COM 91324P102   216,857 438 SH   SOLE 0 47 0 391
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   282,099 5,398 SH   SOLE 0 171 0 5,227
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   7,806,509 43,257 SH   SOLE 0 19,804 0 23,453
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   14,057,245 193,546 SH   SOLE 0 20,870 0 172,676
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   8,725,758 113,809 SH   SOLE 0 7,760 0 106,049
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   1,101,051 22,221 SH   SOLE 0 13,292 0 8,929
VANGUARD INDEX FDS LARGE CAP ETF 922908637   359,906 1,501 SH   SOLE 0 1,084 0 417
VANGUARD INDEX FDS VALUE ETF 922908744   8,726,460 53,583 SH   SOLE 0 33,154 0 20,429
VANGUARD INDEX FDS SML CP GRW ETF 922908595   308,953 1,185 SH   SOLE 0 0 0 1,185
VANGUARD INDEX FDS GROWTH ETF 922908736   1,010,707 2,936 SH   SOLE 0 1,089 0 1,847
VANGUARD INDEX FDS SMALL CP ETF 922908751   21,327,763 93,301 SH   SOLE 0 18,898 0 74,404
VANGUARD INDEX FDS MID CAP ETF 922908629   800,318 3,203 SH   SOLE 0 315 0 2,888
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,244,947 37,523 SH   SOLE 0 4,971 0 32,551
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,991,023 4,142 SH   SOLE 0 278 0 3,864
VANGUARD INDEX FDS TOTAL STK MKT 922908769   42,902,490 165,073 SH   SOLE 0 34,964 0 130,109
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,957,228 70,798 SH   SOLE 0 17,036 0 53,762
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   5,759,773 98,206 SH   SOLE 0 18,377 0 79,829
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   238,297 2,040 SH   SOLE 0 1,260 0 780
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   9,350,269 84,618 SH   SOLE 0 58,161 0 26,457
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,088,711 21,516 SH   SOLE 0 4,263 0 17,253
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   20,099,068 343,280 SH   SOLE 0 145,851 0 197,429
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   18,172,448 312,940 SH   SOLE 0 77,595 0 235,346
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   10,180,141 131,679 SH   SOLE 0 13,214 0 118,465
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,359,257 7,443 SH   SOLE 0 0 0 7,443
VANGUARD STAR FDS VG TL INTL STK F 921909768   28,339,517 469,975 SH   SOLE 0 113,537 0 356,439
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,582,468 31,542 SH   SOLE 0 9,307 0 22,235
VANGUARD WELLINGTON FD US VALUE FACTR 921935805   378,009 3,167 SH   SOLE 0 3,167 0 0
VANGUARD WORLD FD MATERIALS ETF 92204A801   940,582 4,601 SH   SOLE 0 570 0 4,031
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   20,356,300 75,249 SH   SOLE 0 12,075 0 63,174
VANGUARD WORLD FD ENERGY ETF 92204A306   2,245,778 17,052 SH   SOLE 0 681 0 16,371
VANGUARD WORLD FD INF TECH ETF 92204A702   51,789,945 98,772 SH   SOLE 0 3,560 0 95,212
VANGUARD WORLD FD CONSUM DIS ETF 92204A108   1,578,800 4,969 SH   SOLE 0 138 0 4,831
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603   2,991,114 12,251 SH   SOLE 0 1,295 0 10,956
VANGUARD WORLD FD COMM SRVC ETF 92204A884   4,210,822 32,090 SH   SOLE 0 604 0 31,486
VANGUARD WORLD FD UTILITIES ETF 92204A876   2,055,019 14,413 SH   SOLE 0 1,009 0 13,404
VANGUARD WORLD FD FINANCIALS ETF 92204A405   12,278,156 119,916 SH   SOLE 0 10,494 0 109,422
VANGUARD WORLD FD CONSUM STP ETF 92204A207   2,373,128 11,625 SH   SOLE 0 1,102 0 10,523
VERIZON COMMUNICATIONS INC COM 92343V104   232,976 5,552 SH   SOLE 0 297 0 5,255
VISA INC COM CL A 92826C839   1,975,949 7,080 SH   SOLE 0 646 0 6,434
WALMART INC COM 931142103   1,668,605 27,732 SH   SOLE 0 7,575 0 20,157
WASTE MGMT INC DEL COM 94106L109   1,649,125 7,737 SH   SOLE 0 4 0 7,733
YUM BRANDS INC COM 988498101   2,001,730 14,437 SH   SOLE 0 600 0 13,837
YUM CHINA HLDGS INC COM 98850P109   242,195 6,087 SH   SOLE 0 300 0 5,787