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   1,047,150 9,870 SH   SOLE   2,163 0 7,707
ABBOTT LABS COM 002824100   2,398,658 21,103 SH   SOLE   3,269 0 17,834
ABBVIE INC COM 00287Y109   1,687,157 9,265 SH   SOLE   36 0 9,229
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,361,484 3,928 SH   SOLE   0 0 3,928
ADOBE INC COM 00724F101   1,367,971 2,711 SH   SOLE   0 0 2,711
AFLAC INC COM 001055102   223,923 2,608 SH   SOLE   0 0 2,608
ALIGN TECHNOLOGY INC COM 016255101   242,989 741 SH   SOLE   0 0 741
ALLBIRDS INC COM CL A 01675A109   23,698 34,142 SH   SOLE   0 0 34,142
ALLSTATE CORP COM 020002101   260,432 1,505 SH   SOLE   0 0 1,505
ALPHABET INC CAP STK CL C 02079K107   6,893,666 45,275 SH   SOLE   8,362 0 36,913
ALPHABET INC CAP STK CL A 02079K305   12,537,604 83,069 SH   SOLE   22,557 0 60,512
AMAZON COM INC COM 023135106   5,748,169 31,867 SH   SOLE   919 0 30,948
AMERICAN EXPRESS CO COM 025816109   1,441,278 6,330 SH   SOLE   0 0 6,330
AMERICAN INTL GROUP INC COM NEW 026874784   378,734 4,845 SH   SOLE   0 0 4,845
AMERIPRISE FINL INC COM 03076C106   414,764 946 SH   SOLE   0 0 946
AMGEN INC COM 031162100   1,405,394 4,943 SH   SOLE   0 0 4,943
APPLE INC COM 037833100   54,979,721 320,614 SH   SOLE   44,665 0 275,949
APPLIED MATLS INC COM 038222105   1,428,595 6,927 SH   SOLE   0 0 6,927
ARHAUS INC COM CL A 04035M102   203,948 13,252 SH   SOLE   0 0 13,252
ASML HOLDING N V N Y REGISTRY SHS N07059210   303,757 313 SH   SOLE   69 0 244
AT&T INC COM 00206R102   275,711 15,664 SH   SOLE   0 0 15,664
AUTOMATIC DATA PROCESSING IN COM 053015103   401,082 1,606 SH   SOLE   0 0 1,606
BANK AMERICA CORP COM 060505104   1,721,113 45,388 SH   SOLE   0 0 45,388
BECTON DICKINSON & CO COM 075887109   286,547 1,158 SH   SOLE   55 0 1,103
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   420,520 1,000 SH Call SOLE   0 0 1,000
BERKSHIRE HATHAWAY INC DEL CL A 084670108   6,344,400 10 SH   SOLE   3 0 7
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   29,138,251 69,291 SH   SOLE   7,295 0 61,996
BILL HOLDINGS INC COM 090043100   18,012,268 262,111 SH   SOLE   160 0 261,951
BLACKROCK INC COM 09247X101   414,349 497 SH   SOLE   0 0 497
BLACKSTONE INC COM 09260D107   348,525 2,653 SH   SOLE   0 0 2,653
BOEING CO COM 097023105   302,670 1,568 SH   SOLE   0 0 1,568
BOOKING HOLDINGS INC COM 09857L108   235,812 65 SH   SOLE   0 0 65
BOX INC CL A 10316T104   246,327 8,698 SH   SOLE   0 0 8,698
BRISTOL-MYERS SQUIBB CO COM 110122108   494,505 9,118 SH   SOLE   0 0 9,118
BROADCOM INC COM 11135F101   1,434,093 1,082 SH   SOLE   42 0 1,040
CANADIAN PACIFIC KANSAS CITY COM 13646K108   1,021,449 11,585 SH   SOLE   0 0 11,585
CANGO INC ADS 137586103   23,560 15,500 SH   SOLE   0 0 15,500
CAPITAL ONE FINL CORP COM 14040H105   479,426 3,220 SH   SOLE   0 0 3,220
CATERPILLAR INC COM 149123101   1,058,994 2,889 SH   SOLE   241 0 2,648
CENCORA INC COM 03073E105   264,373 1,088 SH   SOLE   400 0 688
CHARTER COMMUNICATIONS INC N CL A 16119P108   488,616 1,681 SH   SOLE   73 0 1,608
CHEVRON CORP NEW COM 166764100   3,008,879 19,074 SH   SOLE   1,388 0 17,686
CHUBB LIMITED COM H1467J104   271,309 1,047 SH   SOLE   0 0 1,047
CINCINNATI FINL CORP COM 172062101   4,176,792 33,637 SH   SOLE   0 0 33,637
CISCO SYS INC COM 17275R102   1,317,065 26,388 SH   SOLE   404 0 25,984
CITIGROUP INC COM NEW 172967424   219,190 3,466 SH   SOLE   0 0 3,466
CLOROX CO DEL COM 189054109   245,715 1,604 SH   SOLE   71 0 1,533
CLOUDFLARE INC CL A COM 18915M107   1,400,743 14,466 SH   SOLE   4,808 0 9,658
COCA COLA CO COM 191216100   896,858 14,659 SH   SOLE   1,290 0 13,369
COMCAST CORP NEW CL A 20030N101   1,840,121 42,448 SH   SOLE   2,692 0 39,756
CONOCOPHILLIPS COM 20825C104   540,685 4,248 SH   SOLE   0 0 4,248
CONSTELLATION BRANDS INC CL A 21036P108   276,108 1,016 SH   SOLE   120 0 896
COSTCO WHSL CORP NEW COM 22160K105   1,704,831 2,327 SH   SOLE   450 0 1,877
COURSERA INC COM 22266M104   247,607 17,661 SH   SOLE   17,648 0 13
CSX CORP COM 126408103   320,396 8,643 SH   SOLE   0 0 8,643
CUMMINS INC COM 231021106   225,113 764 SH   SOLE   0 0 764
CVS HEALTH CORP COM 126650100   262,171 3,287 SH   SOLE   0 0 3,287
DANAHER CORPORATION COM 235851102   1,629,673 6,526 SH   SOLE   1,566 0 4,960
DANIMER SCIENTIFIC INC COM CL A 236272100   12,917 11,850 SH   SOLE   0 0 11,850
DEERE & CO COM 244199105   596,737 1,452 SH   SOLE   0 0 1,452
DIAGEO PLC SPON ADR NEW 25243Q205   277,400 1,865 SH   SOLE   0 0 1,865
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   1,074,933 39,901 SH   SOLE   0 0 39,901
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   546,821 17,299 SH   SOLE   0 0 17,299
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   232,364 4,078 SH   SOLE   0 0 4,078
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   7,146,757 280,926 SH   SOLE   0 0 280,926
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   9,010,093 282,006 SH   SOLE   0 0 282,006
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   9,399,789 172,695 SH   SOLE   50,955 0 121,740
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   29,002,149 709,099 SH   SOLE   167,297 0 541,802
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   8,374,627 227,881 SH   SOLE   37,964 0 189,917
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   7,434,917 119,264 SH   SOLE   9,801 0 109,463
DISCOVER FINL SVCS COM 254709108   213,960 1,632 SH   SOLE   0 0 1,632
DISNEY WALT CO COM 254687106   2,435,331 19,902 SH   SOLE   3,487 0 16,415
DOCUSIGN INC COM 256163106   628,253 10,550 SH   SOLE   0 0 10,550
DOMINION ENERGY INC COM 25746U109   325,392 6,615 SH   SOLE   0 0 6,615
DOVER CORP COM 260003108   201,288 1,136 SH   SOLE   0 0 1,136
DUKE ENERGY CORP NEW COM NEW 26441C204   435,146 4,499 SH   SOLE   0 0 4,499
EATON CORP PLC SHS G29183103   404,608 1,294 SH   SOLE   0 0 1,294
ECOLAB INC COM 278865100   372,442 1,613 SH   SOLE   0 0 1,613
ELASTIC N V ORD SHS N14506104   682,735 6,811 SH   SOLE   5,595 0 1,216
ELEVANCE HEALTH INC COM 036752103   543,948 1,049 SH   SOLE   100 0 949
ELI LILLY & CO COM 532457108   558,597 718 SH   SOLE   0 0 718
EOG RES INC COM 26875P101   238,805 1,868 SH   SOLE   38 0 1,830
ESAB CORPORATION COM 29605J106   480,869 4,349 SH   SOLE   0 0 4,349
EXXON MOBIL CORP COM 30231G102   2,963,539 25,495 SH   SOLE   613 0 24,882
FEDEX CORP COM 31428X106   852,034 2,940 SH   SOLE   310 0 2,630
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   15,514,692 342,410 SH   SOLE   48,567 0 293,843
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302   609,117 2,970 SH   SOLE   0 0 2,970
FISERV INC COM 337738108   238,451 1,492 SH   SOLE   0 0 1,492
FLEXSHARES TR US QUALITY CAP 33939L746   266,781 4,531 SH   SOLE   0 0 4,531
FTC SOLAR INC COM 30320C103   5,929 11,000 SH   SOLE   0 0 11,000
GALLAGHER ARTHUR J & CO COM 363576109   212,284 849 SH   SOLE   0 0 849
GENERAL DYNAMICS CORP COM 369550108   1,403,693 4,969 SH   SOLE   0 0 4,969
GENERAL ELECTRIC CO COM NEW 369604301   851,938 4,853 SH   SOLE   176 0 4,677
GENERAL MLS INC COM 370334104   212,009 3,030 SH   SOLE   0 0 3,030
GENUINE PARTS CO COM 372460105   236,578 1,527 SH   SOLE   0 0 1,527
GOLDMAN SACHS GROUP INC COM 38141G104   746,412 1,787 SH   SOLE   75 0 1,712
GRAINGER W W INC COM 384802104   252,290 248 SH   SOLE   0 0 248
HOME DEPOT INC COM 437076102   2,634,948 6,869 SH   SOLE   882 0 5,987
HONEYWELL INTL INC COM 438516106   505,326 2,462 SH   SOLE   272 0 2,190
HUNTINGTON BANCSHARES INC COM 446150104   520,461 37,309 SH   SOLE   0 0 37,309
ILLINOIS TOOL WKS INC COM 452308109   315,556 1,176 SH   SOLE   31 0 1,145
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107   7,775,852 251,727 SH   SOLE   16,247 0 235,480
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800   4,271,238 135,681 SH   SOLE   19,824 0 115,857
INTEL CORP COM 458140100   1,158,334 26,224 SH   SOLE   1,809 0 24,415
INTERCONTINENTAL EXCHANGE IN COM 45866F104   211,092 1,536 SH   SOLE   0 0 1,536
INTERNATIONAL BUSINESS MACHS COM 459200101   1,205,404 6,312 SH   SOLE   0 0 6,312
INTUIT COM 461202103   262,794 404 SH   SOLE   0 0 404
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   263,846 12,475 SH   SOLE   0 0 12,475
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   379,675 5,764 SH   SOLE   0 0 5,764
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   5,779,243 34,122 SH   SOLE   1,245 0 32,877
INVESCO EXCHANGE TRADED FD T AEROSPACE DEFN 46137V100   519,835 5,118 SH   SOLE   0 0 5,118
INVESCO QQQ TR UNIT SER 1 46090E103   3,103,666 6,990 SH   SOLE   225 0 6,765
ISHARES GOLD TR ISHARES NEW 464285204   302,178 7,193 SH   SOLE   0 0 7,193
ISHARES INC MSCI EMERG MRKT 464286533   1,686,914 29,809 SH   SOLE   7,176 0 22,633
ISHARES INC CORE MSCI EMKT 46434G103   51,247,023 993,157 SH   SOLE   34,265 0 958,892
ISHARES INC MSCI GBL MIN VOL 464286525   260,103,174 2,470,804 SH   SOLE   286,948 0 2,183,856
ISHARES TR CORE S&P SCP ETF 464287804   2,551,784 23,088 SH   SOLE   0 0 23,088
ISHARES TR MSCI KLD400 SOC 464288570   628,853 6,238 SH   SOLE   0 0 6,238
ISHARES TR CORE TOTAL USD 46434V613   786,200 17,245 SH   SOLE   0 0 17,245
ISHARES TR CORE 1 5 YR USD 46432F859   712,312 15,015 SH   SOLE   0 0 15,015
ISHARES TR CORE S&P US GWT 464287671   3,310,245 28,242 SH   SOLE   0 0 28,242
ISHARES TR ISHS 1-5YR INVS 464288646   285,219 5,562 SH   SOLE   0 0 5,562
ISHARES TR EXPANDED TECH 464287515   559,798 6,565 SH   SOLE   0 0 6,565
ISHARES TR CORE S&P TTL STK 464287150   2,661,470 23,083 SH   SOLE   0 0 23,083
ISHARES TR AGGRES ALLOC ETF 464289859   589,335 8,022 SH   SOLE   0 0 8,022
ISHARES TR MSCI ACWI EX US 464288240   249,385 4,671 SH   SOLE   0 0 4,671
ISHARES TR CORE DIV GRWTH 46434V621   781,662 13,463 SH   SOLE   0 0 13,463
ISHARES TR MODERT ALLOC ETF 464289875   2,486,630 58,126 SH   SOLE   0 0 58,126
ISHARES TR S&P SML 600 GWT 464287887   640,708 4,901 SH   SOLE   0 0 4,901
ISHARES TR CORE HIGH DV ETF 46429B663   255,026 2,314 SH   SOLE   0 0 2,314
ISHARES TR ESG AWR US AGRGT 46435U549   1,239,513 26,339 SH   SOLE   0 0 26,339
ISHARES TR S&P 500 VAL ETF 464287408   773,265 4,138 SH   SOLE   0 0 4,138
ISHARES TR MSCI EMG MKT ETF 464287234   2,355,714 57,343 SH   SOLE   0 0 57,343
ISHARES TR INTL SEL DIV ETF 464288448   382,886 13,655 SH   SOLE   0 0 13,655
ISHARES TR U.S. REAL ES ETF 464287739   902,236 10,036 SH   SOLE   0 0 10,036
ISHARES TR MSCI GBL SUS DEV 46435G532   1,834,337 23,305 SH   SOLE   7,563 0 15,742
ISHARES TR RUS MD CP GR ETF 464287481   1,405,406 12,313 SH   SOLE   0 0 12,313
ISHARES TR RUS 2000 GRW ETF 464287648   813,483 3,004 SH   SOLE   0 0 3,004
ISHARES TR S&P 500 GRWT ETF 464287309   606,955 7,188 SH   SOLE   0 0 7,188
ISHARES TR RUS MDCP VAL ETF 464287473   216,696 1,729 SH   SOLE   0 0 1,729
ISHARES TR 1 3 YR TREAS BD 464287457   388,046 4,745 SH   SOLE   0 0 4,745
ISHARES TR RUSSELL 3000 ETF 464287689   7,933,387 26,437 SH   SOLE   704 0 25,733
ISHARES TR RUS 2000 VAL ETF 464287630   14,515,832 91,402 SH   SOLE   2,754 0 88,648
ISHARES TR RUSSELL 2000 ETF 464287655   9,775,881 46,482 SH   SOLE   443 0 46,039
ISHARES TR EAFE SML CP ETF 464288273   3,742,439 59,094 SH   SOLE   6,423 0 52,671
ISHARES TR RUS 1000 VAL ETF 464287598   6,056,186 33,810 SH   SOLE   0 0 33,810
ISHARES TR MSCI USA MIN VOL 46429B697   8,864,160 106,056 SH   SOLE   691 0 105,365
ISHARES TR SHORT TREAS BD 464288679   2,082,021 18,835 SH   SOLE   0 0 18,835
ISHARES TR GLOBAL REIT ETF 46434V647   1,450,305 61,246 SH   SOLE   4,667 0 56,579
ISHARES TR RUS MID CAP ETF 464287499   3,073,910 36,555 SH   SOLE   7,459 0 29,096
ISHARES TR RUS 1000 GRW ETF 464287614   2,798,471 8,302 SH   SOLE   0 0 8,302
ISHARES TR DOW JONES US ETF 464287846   3,809,909 29,744 SH   SOLE   0 0 29,744
ISHARES TR MSCI USA QLT FCT 46432F339   270,191 1,644 SH   SOLE   0 0 1,644
ISHARES TR MSCI EAFE ETF 464287465   3,634,292 45,507 SH   SOLE   0 0 45,507
ISHARES TR NATIONAL MUN ETF 464288414   21,113,849 196,225 SH   SOLE   24,875 0 171,350
ISHARES TR S&P MC 400VL ETF 464287705   610,968 5,165 SH   SOLE   0 0 5,165
ISHARES TR RUS 1000 ETF 464287622   19,619,459 68,115 SH   SOLE   4,681 0 63,434
ISHARES TR MSCI EAFE MIN VL 46429B689   10,073,961 142,127 SH   SOLE   288 0 141,839
ISHARES TR MSCI ACWI ETF 464288257   14,429,707 131,024 SH   SOLE   3,511 0 127,513
ISHARES TR GRWT ALLOCAT ETF 464289867   23,097,554 414,900 SH   SOLE   38,750 0 376,150
ISHARES TR SELECT DIVID ETF 464287168   751,891 6,104 SH   SOLE   1,155 0 4,949
ISHARES TR CORE S&P MCP ETF 464287507   5,147,823 84,750 SH   SOLE   2,920 0 81,830
ISHARES TR CORE S&P US VLU 464287663   249,174,449 2,755,107 SH   SOLE   149,899 0 2,605,208
ISHARES TR EAFE VALUE ETF 464288877   65,393,276 1,202,082 SH   SOLE   178,393 0 1,023,689
ISHARES TR CORE S&P500 ETF 464287200   186,080,061 353,939 SH   SOLE   21,415 0 332,524
ISHARES TR CORE MSCI EAFE 46432F842   32,007,679 431,250 SH   SOLE   3,282 0 427,968
ISHARES TR CORE US AGGBD ET 464287226   9,136,826 93,287 SH   SOLE   14,676 0 78,611
ISHARES TR MSCI LW CRB TG 46434V464   17,609,845 98,109 SH   SOLE   6,444 0 91,665
JEFFERIES FINL GROUP INC COM 47233W109   275,316 6,243 SH   SOLE   0 0 6,243
JFROG LTD ORD SHS M6191J100   558,852 12,638 SH   SOLE   0 0 12,638
JOHNSON & JOHNSON COM 478160104   3,765,148 23,799 SH   SOLE   1,920 0 21,879
JOHNSON CTLS INTL PLC SHS G51502105   244,101 3,737 SH   SOLE   0 0 3,737
JPMORGAN CHASE & CO COM 46625H100   5,954,782 29,728 SH   SOLE   2,339 0 27,389
KENVUE INC COM 49177J102   269,838 12,574 SH   SOLE   0 0 12,574
KINDER MORGAN INC DEL COM 49456B101   491,457 26,797 SH   SOLE   0 0 26,797
KRAFT HEINZ CO COM 500754106   254,204 6,889 SH   SOLE   0 0 6,889
LAM RESEARCH CORP COM 512807108   221,518 228 SH   SOLE   0 0 228
LINDE PLC SHS G54950103   388,636 837 SH   SOLE   0 0 837
LOCKHEED MARTIN CORP COM 539830109   333,875 734 SH   SOLE   310 0 424
LOEWS CORP COM 540424108   447,584 5,717 SH   SOLE   0 0 5,717
LOWES COS INC COM 548661107   1,945,118 7,636 SH   SOLE   0 0 7,636
MARATHON OIL CORP COM 565849106   320,582 11,312 SH   SOLE   10,150 0 1,162
MARATHON PETE CORP COM 56585A102   1,789,320 8,880 SH   SOLE   4,951 0 3,929
MASTERCARD INCORPORATED CL A 57636Q104   1,670,485 3,468 SH   SOLE   0 0 3,468
MCDONALDS CORP COM 580135101   907,217 3,216 SH   SOLE   366 0 2,850
MCKESSON CORP COM 58155Q103   325,331 606 SH   SOLE   26 0 580
MEDTRONIC PLC SHS G5960L103   225,893 2,592 SH   SOLE   0 0 2,592
MERCK & CO INC COM 58933Y105   2,531,085 19,181 SH   SOLE   458 0 18,723
META PLATFORMS INC CL A 30303M102   6,484,921 13,355 SH   SOLE   1,351 0 12,004
METLIFE INC COM 59156R108   318,377 4,296 SH   SOLE   0 0 4,296
MICROSOFT CORP COM 594918104   20,634,158 49,043 SH   SOLE   1,761 0 47,282
MONROE CAP CORP COM 610335101   79,200 11,000 SH   SOLE   0 0 11,000
MORGAN STANLEY COM NEW 617446448   407,871 4,331 SH   SOLE   0 0 4,331
MSCI INC COM 55354G100   228,664 408 SH   SOLE   120 0 288
NETFLIX INC COM 64110L106   973,550 1,603 SH   SOLE   395 0 1,208
NEXTERA ENERGY INC COM 65339F101   545,727 8,539 SH   SOLE   0 0 8,539
NIKE INC CL B 654106103   552,226 5,876 SH   SOLE   1,150 0 4,726
NOKIA CORP SPONSORED ADR 654902204   81,420 23,000 SH   SOLE   0 0 23,000
NORFOLK SOUTHN CORP COM 655844108   219,431 860 SH   SOLE   0 0 860
NORTHROP GRUMMAN CORP COM 666807102   206,302 431 SH   SOLE   150 0 281
NOVARTIS AG SPONSORED ADR 66987V109   304,216 3,145 SH   SOLE   0 0 3,145
NOVO-NORDISK A S ADR 670100205   617,090 4,806 SH   SOLE   0 0 4,806
NVIDIA CORPORATION COM 67066G104   2,290,440 2,534 SH   SOLE   0 0 2,534
OCCIDENTAL PETE CORP COM 674599105   284,201 4,373 SH   SOLE   3,716 0 657
ORACLE CORP COM 68389X105   2,621,086 20,866 SH   SOLE   900 0 19,966
PALO ALTO NETWORKS INC COM 697435105   303,735 1,069 SH   SOLE   0 0 1,069
PARKER-HANNIFIN CORP COM 701094104   373,491 672 SH   SOLE   0 0 672
PAYCHEX INC COM 704326107   1,522,106 12,395 SH   SOLE   0 0 12,395
PEPSICO INC COM 713448108   3,430,896 19,604 SH   SOLE   2,861 0 16,743
PFIZER INC COM 717081103   1,133,746 40,855 SH   SOLE   0 0 40,855
PHILIP MORRIS INTL INC COM 718172109   280,907 3,066 SH   SOLE   0 0 3,066
PHILLIPS 66 COM 718546104   267,388 1,637 SH   SOLE   0 0 1,637
PIONEER NAT RES CO COM 723787107   238,088 907 SH   SOLE   0 0 907
PROCTER AND GAMBLE CO COM 742718109   4,938,732 30,439 SH   SOLE   293 0 30,146
PROSHARES TR SHORT S&P 500 NE 74347B425   355,800 30,000 SH   SOLE   0 0 30,000
PROSHARES TR S&P 500 DV ARIST 74348A467   488,796 4,820 SH   SOLE   0 0 4,820
QUALCOMM INC COM 747525103   2,957,839 17,470 SH   SOLE   2,222 0 15,248
REALTY INCOME CORP COM 756109104   266,551 4,927 SH   SOLE   89 0 4,838
REGENERON PHARMACEUTICALS COM 75886F107   383,071 398 SH   SOLE   60 0 338
RESMED INC COM 761152107   264,766 1,337 SH   SOLE   0 0 1,337
RESTAURANT BRANDS INTL INC COM 76131D103   1,038,570 13,072 SH   SOLE   0 0 13,072
RLJ LODGING TR CUM CONV PFD A 74965L200   342,370 13,980 SH   SOLE   13,980 0 0
ROYAL BK CDA COM 780087102   3,091,669 30,647 SH   SOLE   0 0 30,647
RTX CORPORATION COM 75513E101   1,181,966 12,119 SH   SOLE   175 0 11,944
S&P GLOBAL INC COM 78409V104   397,370 934 SH   SOLE   393 0 541
SALESFORCE INC COM 79466L302   3,160,583 10,494 SH   SOLE   7,446 0 3,048
SCHWAB CHARLES CORP COM 808513105   1,908,763 26,386 SH   SOLE   1,354 0 25,032
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   6,981,287 196,047 SH   SOLE   0 0 196,047
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   564,512 12,272 SH   SOLE   2,802 0 9,470
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   269,357 5,470 SH   SOLE   2,442 0 3,028
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,231,938 15,278 SH   SOLE   0 0 15,278
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   5,261,256 84,776 SH   SOLE   20,175 0 64,601
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,245,150 16,387 SH   SOLE   0 0 16,387
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,513,063 24,784 SH   SOLE   0 0 24,784
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,264,364 15,527 SH   SOLE   1,888 0 13,639
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   20,768,241 748,134 SH   SOLE   25,751 0 722,383
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   612,314 2,940 SH   SOLE   0 0 2,940
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   11,753,418 279,046 SH   SOLE   0 0 279,046
SILGAN HLDGS INC COM 827048109   1,124,310 23,153 SH   SOLE   0 0 23,153
SIMON PPTY GROUP INC NEW COM 828806109   1,139,404 7,281 SH   SOLE   0 0 7,281
SNOWFLAKE INC CL A 833445109   676,619 4,187 SH   SOLE   2,988 0 1,199
SOFI TECHNOLOGIES INC COM 83406F102   114,121 15,633 SH   SOLE   0 0 15,633
SOLENO THERAPEUTICS INC COM 834203309   519,078 12,128 SH   SOLE   0 0 12,128
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   301,502 758 SH   SOLE   0 0 758
SPDR GOLD TR GOLD SHS 78463V107   655,218 3,185 SH   SOLE   131 0 3,054
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863   280,807 10,763 SH   SOLE   0 0 10,763
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426   767,430 13,292 SH   SOLE   0 0 13,292
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   270,071 8,315 SH   SOLE   2,325 0 5,990
SPDR S&P 500 ETF TR TR UNIT 78462F103   31,077,758 59,413 SH   SOLE   3,221 0 56,192
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,709,011 3,071 SH   SOLE   0 0 3,071
SPDR SER TR DJ REIT ETF 78464A607   286,049 3,035 SH   SOLE   0 0 3,035
SPDR SER TR S&P DIVID ETF 78464A763   2,069,182 15,766 SH   SOLE   1,157 0 14,609
STARBUCKS CORP COM 855244109   506,279 5,539 SH   SOLE   903 0 4,636
STRYKER CORPORATION COM 863667101   454,640 1,270 SH   SOLE   0 0 1,270
SYSCO CORP COM 871829107   216,832 2,671 SH   SOLE   0 0 2,671
TARGET CORP COM 87612E106   410,596 2,317 SH   SOLE   750 0 1,567
TCW TRANSFORM ETF TRUST TRANSFRM 500 ETF 29287L106   1,183,159 19,316 SH   SOLE   0 0 19,316
TESLA INC COM 88160R101   1,262,875 7,184 SH   SOLE   0 0 7,184
TEXAS INSTRS INC COM 882508104   297,899 1,710 SH   SOLE   0 0 1,710
THE CIGNA GROUP COM 125523100   440,438 1,212 SH   SOLE   0 0 1,212
THERMO FISHER SCIENTIFIC INC COM 883556102   1,060,708 1,825 SH   SOLE   0 0 1,825
TJX COS INC NEW COM 872540109   2,745,541 27,071 SH   SOLE   5,264 0 21,807
T-MOBILE US INC COM 872590104   282,697 1,732 SH   SOLE   0 0 1,732
TOTALENERGIES SE SPONSORED ADS 89151E109   309,735 4,500 SH   SOLE   0 0 4,500
TRAVELERS COMPANIES INC COM 89417E109   362,471 1,575 SH   SOLE   0 0 1,575
TRUIST FINL CORP COM 89832Q109   428,819 11,001 SH   SOLE   246 0 10,755
UNION PAC CORP COM 907818108   2,299,446 9,350 SH   SOLE   1,510 0 7,840
UNITED PARCEL SERVICE INC CL B 911312106   301,868 2,031 SH   SOLE   0 0 2,031
UNITEDHEALTH GROUP INC COM 91324P102   3,001,793 6,067 SH   SOLE   934 0 5,133
US BANCORP DEL COM NEW 902973304   1,020,367 22,827 SH   SOLE   260 0 22,567
VALERO ENERGY CORP COM 91913Y100   293,587 1,720 SH   SOLE   0 0 1,720
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   1,206,009 13,415 SH   SOLE   0 0 13,415
VANECK ETF TRUST PHARMACEUTCL ETF 92189F692   544,200 6,000 SH   SOLE   0 0 6,000
VANECK ETF TRUST BIOTECH ETF 92189F726   733,182 4,408 SH   SOLE   1,292 0 3,116
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   3,232,900 36,563 SH   SOLE   94 0 36,469
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,619,654 21,125 SH   SOLE   0 0 21,125
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   1,504,834 30,370 SH   SOLE   0 0 30,370
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   35,305,912 486,094 SH   SOLE   32,966 0 453,128
VANGUARD INDEX FDS GROWTH ETF 922908736   3,735,947 10,854 SH   SOLE   0 0 10,854
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,323,460 38,428 SH   SOLE   11,874 0 26,554
VANGUARD INDEX FDS TOTAL STK MKT 922908769   24,042,695 92,503 SH   SOLE   35,412 0 57,091
VANGUARD INDEX FDS SMALL CP ETF 922908751   8,371,228 36,617 SH   SOLE   54 0 36,563
VANGUARD INDEX FDS MID CAP ETF 922908629   1,298,023 5,195 SH   SOLE   0 0 5,195
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   72,929,245 151,668 SH   SOLE   11,219 0 140,449
VANGUARD INDEX FDS LARGE CAP ETF 922908637   2,534,821 10,571 SH   SOLE   0 0 10,571
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   646,746 3,690 SH   SOLE   0 0 3,690
VANGUARD INDEX FDS SM CP VAL ETF 922908611   144,506,734 753,095 SH   SOLE   46,205 0 706,890
VANGUARD INDEX FDS VALUE ETF 922908744   14,001,726 85,974 SH   SOLE   0 0 85,974
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,369,823 5,254 SH   SOLE   0 0 5,254
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   265,671 1,704 SH   SOLE   0 0 1,704
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   1,702,101 40,391 SH   SOLE   22,390 0 18,001
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   12,424,686 106,337 SH   SOLE   1,252 0 105,085
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   19,118,094 325,969 SH   SOLE   17,364 0 308,605
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   203,442 3,021 SH   SOLE   0 0 3,021
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   536,809 4,858 SH   SOLE   0 0 4,858
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,927,051 94,014 SH   SOLE   9,521 0 84,493
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   254,108,627 5,021,908 SH   SOLE   229,761 0 4,792,147
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   578,433 7,482 SH   SOLE   2,328 0 5,154
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   764,724 13,169 SH   SOLE   0 0 13,169
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   3,266,706 41,540 SH   SOLE   0 0 41,540
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   175,753,033 962,404 SH   SOLE   42,283 0 920,121
VANGUARD STAR FDS VG TL INTL STK F 921909768   280,314 4,648 SH   SOLE   0 0 4,648
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   7,200,608 143,522 SH   SOLE   10,990 0 132,532
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,025,632 8,477 SH   SOLE   0 0 8,477
VANGUARD WORLD FD INF TECH ETF 92204A702   11,301,100 21,553 SH   SOLE   1,751 0 19,802
VANGUARD WORLD FD MATERIALS ETF 92204A801   612,268 2,995 SH   SOLE   229 0 2,766
VANGUARD WORLD FD MEGA GRWTH IND 921910816   204,687 714 SH   SOLE   0 0 714
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603   675,075 2,765 SH   SOLE   0 0 2,765
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   228,281 843 SH   SOLE   111 0 732
VERIZON COMMUNICATIONS INC COM 92343V104   472,183 11,253 SH   SOLE   275 0 10,978
VISA INC COM CL A 92826C839   1,818,058 6,514 SH   SOLE   0 0 6,514
WALMART INC COM 931142103   1,035,364 17,207 SH   SOLE   0 0 17,207
WASTE MGMT INC DEL COM 94106L109   474,472 2,226 SH   SOLE   0 0 2,226
WELLS FARGO CO NEW COM 949746101   1,483,834 25,601 SH   SOLE   0 0 25,601
WISDOMTREE TR US LARGECAP DIVD 97717W307   3,230,719 44,753 SH   SOLE   2,193 0 42,560
WISDOMTREE TR EMER MKT HIGH FD 97717W315   21,436,495 512,343 SH   SOLE   74,684 0 437,659
ZOETIS INC CL A 98978V103   374,462 2,213 SH   SOLE   0 0 2,213