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
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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
MECHEL PAO SPONSORED ADR NE ADR 583840608   0 10,804 SH   SOLE   0 0 10,804
URBAN ONE INC CL D NON VTG COM 91705J204   26,673 13,075 SH   SOLE   0 0 13,075
FINVOLUTION GROUP SPONSORED ADS ADR 31810T101   63,015 12,503 SH   SOLE   0 0 12,503
NATWEST GROUP PLC SPONS ADR ADR 639057207   74,893 11,014 SH   SOLE   0 0 11,014
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   78,951 30,483 SH   SOLE   0 0 30,483
VODAFONE GROUP NEW ADR F ADR 92857W308   102,219 11,485 SH   SOLE   0 0 11,485
BNC BILBAO VIZCAYA ARGENTARI SPNSRD ADR 05946K101   130,550 11,026 SH   SOLE   0 0 11,026
RIVIAN AUTOMOTIVE INC COM CL A COM 76954A103   149,281 13,633 SH   SOLE   0 0 13,633
FORD MOTOR COMPANY COM 345370860   165,363 12,452 SH   SOLE   0 0 12,452
FULTON FINANCIAL CORP-PA COM 360271100   190,362 11,980 SH   SOLE   0 0 11,980
INVESCO OPT YD DVRSFD CMMDTY STRTGY ETF 46090F100   199,894 14,412 SH   SOLE   0 0 14,412
METALLUS INC COM COM 887399103   200,250 9,000 SH   SOLE   0 0 9,000
AUTOZONE INC COM COM 053332102   201,706 64 SH   SOLE   0 0 64
CAPITAL ONE FINANCIAL CORP COM 14040H105   202,710 1,361 SH   SOLE   0 0 1,361
PULTE GROUP INC COM COM 745867101   202,975 1,683 SH   SOLE   0 0 1,683
GALLAGHER ARTHUR J &CO COM 363576109   203,614 814 SH   SOLE   0 0 814
ELEVANCE HEALTH INC COM COM 036752103   203,652 393 SH   SOLE   0 0 393
GOLDMAN SACHS GROUP INC COM 38141G104   205,516 492 SH   SOLE   0 0 492
SPDR SER TR S&P SEMICONDUCTOR ETF ETF 78464A862   207,382 894 SH   SOLE   0 0 894
BROWN & BROWN INC COM COM 115236101   207,476 2,370 SH   SOLE   0 0 2,370
DANAHER CORP COM 235851102   208,577 835 SH   SOLE   0 0 835
VERIZON COMMUNICATIONS COM 92343V104   208,948 4,980 SH   SOLE   0 0 4,980
EQUINIX INC COM REIT 29444U700   210,015 254 SH   SOLE   0 0 254
IDEXX LABS INC COM COM 45168D104   210,033 389 SH   SOLE   0 0 389
BRISTOL-MYERS SQUIBB CO COM COM 110122108   210,052 3,873 SH   SOLE   0 0 3,873
AUTOMATIC DATA PROCESSING INC COM COM 053015103   210,883 844 SH   SOLE   0 0 844
PSHRS SP500 LOW VOLATILITY ETF ETF 46138E354   211,327 3,208 SH   SOLE   0 0 3,208
ILLINOIS TOOL WKS INC COM COM 452308109   214,815 801 SH   SOLE   0 0 801
ISHARES DJ SELECT DIVIDEND ETF 464287168   216,260 1,756 SH   SOLE   0 0 1,756
BOEING CO COM COM 097023105   220,810 1,144 SH   SOLE   0 0 1,144
DISCOVER FINANCIAL SERVICES LLC COM 254709108   223,670 1,706 SH   SOLE   0 0 1,706
CIGNA CORP COM 125523100   225,294 620 SH   SOLE   0 0 620
INTUIT INC COM 461202103   225,454 347 SH   SOLE   0 0 347
AMERIPRISE FINL INC COM COM 03076C106   227,148 518 SH   SOLE   0 0 518
AMPHENOL CORP NEW CL A COM 032095101   227,173 1,969 SH   SOLE   0 0 1,969
PFIZER INC COM COM 717081103   234,953 8,467 SH   SOLE   0 0 8,467
NUVEEN ESG MID-CAP VALUE ETF ETF 67092P508   237,665 6,949 SH   SOLE   0 0 6,949
PUBLIC STORAGE INC REIT 74460D109   238,462 822 SH   SOLE   0 0 822
GE AEROSPACE COM NEW COM 369604301   239,484 1,364 SH   SOLE   0 0 1,364
MARSH & MCLENNAN COS INC COM COM 571748102   241,080 1,170 SH   SOLE   0 0 1,170
LAM RESEARCH CORP COM COM 512807108   243,399 251 SH   SOLE   0 0 251
WISDOMTREE LARGE CAP DIVIDEND ETF 97717W307   244,369 3,385 SH   SOLE   0 0 3,385
VULCAN MATLS CO COM COM 929160109   245,474 899 SH   SOLE   0 0 899
SAP SE SPON ADR ADR 803054204   246,133 1,262 SH   SOLE   0 0 1,262
BERKLEY W R CORP COM COM 084423102   246,241 2,784 SH   SOLE   0 0 2,784
ABRDN PHYSICAL GOLD SHARES ETF ETF 00326A104   247,637 11,659 SH   SOLE   0 0 11,659
FIDELITY VALUE FACTOR ETF ETF 316092782   251,990 4,417 SH   SOLE   0 0 4,417
ISHR TR MSCI USA MIN VOLAT INDX FD ETF 46429B697   252,577 3,022 SH   SOLE   0 0 3,022
PAYPAL HLDGS INC COM COM 70450Y103   253,289 3,781 SH   SOLE   0 0 3,781
SEAGATE TECHNOLOGY COM G7997R103   254,440 2,734 SH   SOLE   0 0 2,734
PAYCHEX INC COM 704326107   255,331 2,079 SH   SOLE   0 0 2,079
MONSTER BEVERAGE CORP COM 61174X109   256,386 4,325 SH   SOLE   0 0 4,325
ANALOG DEVICES INC COM COM 032654105   257,344 1,301 SH   SOLE   0 0 1,301
ALTRIA GROUP INC COM COM 02209S103   261,052 5,985 SH   SOLE   0 0 5,985
PHILLIPS 66 COM 718546104   263,198 1,611 SH   SOLE   0 0 1,611
AFLAC INC COM COM 001055102   263,524 3,069 SH   SOLE   0 0 3,069
HERSHEY CO COM COM 427866108   264,231 1,359 SH   SOLE   0 0 1,359
ISHARES 20 YR TREASURY ETF ETF 464287432   268,764 2,840 SH   SOLE   0 0 2,840
WORKDAY INC COM COM 98138H101   268,932 986 SH   SOLE   0 0 986
QUALCOMM INC COM COM 747525103   271,677 1,605 SH   SOLE   0 0 1,605
EOG RESOURCES INC COM 26875P101   273,403 2,139 SH   SOLE   0 0 2,139
NUVEEN MUN VALUE FD CEF 670928100   274,568 31,523 SH   SOLE   0 0 31,523
CENTENE CORP DEL COM COM 15135B101   274,719 3,501 SH   SOLE   0 0 3,501
ALCON AG ORD SHS COM H01301128   279,473 3,355 SH   SOLE   0 0 3,355
T-MOBILE US INC COM COM 872590104   279,486 1,712 SH   SOLE   0 0 1,712
SOUTHERN CO COM COM 842587107   280,144 3,905 SH   SOLE   0 0 3,905
AMERICAN INTL GROUP INC COM NEW COM 026874784   290,454 3,716 SH   SOLE   0 0 3,716
MONDELEZ INTL INC CL A COM 609207105   293,108 4,187 SH   SOLE   0 0 4,187
WASTE MANAGEMENT INC COM 94106L109   295,429 1,386 SH   SOLE   0 0 1,386
ZOETIS INC COM CL A COM 98978V103   298,155 1,762 SH   SOLE   0 0 1,762
AMERICAN EXPRESS CO COM COM 025816109   298,574 1,311 SH   SOLE   0 0 1,311
PNC FINL SVCS GROUP INC COM COM 693475105   299,667 1,854 SH   SOLE   0 0 1,854
EMERSON ELEC CO COM COM 291011104   300,325 2,648 SH   SOLE   0 0 2,648
GENERAL DYNAMICS CORP COM COM 369550108   300,666 1,064 SH   SOLE   0 0 1,064
SEMPRA ENERGY COM 816851109   301,322 4,195 SH   SOLE   0 0 4,195
SERVICENOW INC COM COM 81762P102   306,485 402 SH   SOLE   0 0 402
NOVARTIS AG ADR ADR 66987V109   308,181 3,186 SH   SOLE   0 0 3,186
ETFS SILVER TR SILVER SHS ETF ETF 003264108   309,197 12,986 SH   SOLE   0 0 12,986
ENBRIDGE INC COM COM 29250N105   309,846 8,564 SH   SOLE   0 0 8,564
PIONEER NATURAL RESOURCES CO COM 723787107   317,532 1,210 SH   SOLE   0 0 1,210
AIR PRODS & CHEMS INC COM COM 009158106   321,324 1,326 SH   SOLE   0 0 1,326
WILLIAMS COS INC COM COM 969457100   321,424 8,248 SH   SOLE   0 0 8,248
SIMON PPTY GROUP INC NEW COM REIT 828806109   322,535 2,061 SH   SOLE   0 0 2,061
CONOCOPHILLIPS COM COM 20825C104   323,702 2,543 SH   SOLE   0 0 2,543
UBER TECHNOLOGIES INC COM COM 90353T100   326,669 4,243 SH   SOLE   0 0 4,243
ASML HOLDING N V N Y REGISTRY SHS ADR N07059210   327,781 338 SH   SOLE   0 0 338
PPG INDS INC COM COM 693506107   331,750 2,290 SH   SOLE   0 0 2,290
CITIGROUP INC COM 172967424   334,244 5,285 SH   SOLE   0 0 5,285
MCDONALDS CORP COM COM 580135101   335,853 1,191 SH   SOLE   0 0 1,191
TARGET CORP COM COM 87612E106   335,910 1,896 SH   SOLE   0 0 1,896
WEYERHAEUSER CO REIT 962166104   336,478 9,370 SH   SOLE   0 0 9,370
SPDR PORT S&P 600 SMALL CAP ETF ETF 78468R853   343,786 7,988 SH   SOLE   0 0 7,988
COSTCO WHOLESALE CORP COM 22160K105   344,779 471 SH   SOLE   0 0 471
GRAINGER W W INC COM COM 384802104   348,905 343 SH   SOLE   0 0 343
ISHARES TR HIGH DIVID EQUITY FD ETF 46429B663   354,292 3,215 SH   SOLE   0 0 3,215
INTUITIVE SURGICAL, INC. COM 46120E602   359,580 901 SH   SOLE   0 0 901
APOLLO GLOBAL MGMT INC COM COM 03769M106   360,078 3,202 SH   SOLE   0 0 3,202
CADENCE DESIGN SYSTEM INC COM COM 127387108   364,509 1,171 SH   SOLE   0 0 1,171
ISHARES S&P 500 GROWTH ETF ETF 464287309   365,718 4,331 SH   SOLE   0 0 4,331
VANGUARD SHORT TERM GOVT BD IDX FD ETF 92206C102   370,079 6,373 SH   SOLE   0 0 6,373
FIFTH THIRD BANCORP COM 316773100   371,244 9,977 SH   SOLE   0 0 9,977
WELLS FARGO CO NEW COM COM 949746101   382,022 6,591 SH   SOLE   0 0 6,591
HONEYWELL INTL INC COM 438516106   392,477 1,912 SH   SOLE   0 0 1,912
NIKE INC CLASS B COM 654106103   393,018 4,182 SH   SOLE   0 0 4,182
EATON CORP PLC SHS COM G29183103   394,712 1,262 SH   SOLE   0 0 1,262
ISHR EDGE MSCI US MOMENT FACTOR ETF ETF 46432F396   395,871 2,113 SH   SOLE   0 0 2,113
ISHARES FLOATING RATE BOND ETF ETF 46429B655   401,552 7,864 SH   SOLE   0 0 7,864
PALO ALTO NETWORKS INC COM COM 697435105   402,328 1,416 SH   SOLE   0 0 1,416
TIMOTHY PLAN US SMALL CAP CORE ETF ETF 887432342   403,769 11,005 SH   SOLE   0 0 11,005
METLIFE INC COM COM 59156R108   407,473 5,498 SH   SOLE   0 0 5,498
INSPIRE GLOBAL HOPE ETF ETF 66538H658   413,023 10,988 SH   SOLE   0 0 10,988
ABBVIE INC COM COM 00287Y109   414,669 2,277 SH   SOLE   0 0 2,277
HARTFORD MUNICIPAL OPPORTUNITIES ETF 41653L503   415,305 10,693 SH   SOLE   0 0 10,693
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649   417,494 16,515 SH   SOLE   0 0 16,515
NEXTERA ENERGY INC COM COM 65339F101   418,726 6,552 SH   SOLE   0 0 6,552
S&P GLOBAL INC COM COM 78409V104   429,272 1,009 SH   SOLE   0 0 1,009
WISDOMTREE MIDCAP EARNINGS ETF ETF 97717W570   439,682 7,206 SH   SOLE   0 0 7,206
ADVANCED MICRO DEVICES INC COM COM 007903107   441,659 2,447 SH   SOLE   0 0 2,447
THERMO FISHER SCIENTIFIC INC COM COM 883556102   450,748 776 SH   SOLE   0 0 776
TRAVELERS COMPANIES INC COM COM 89417E109   452,547 1,966 SH   SOLE   0 0 1,966
BANK AMERICA CORP COM COM 060505104   457,646 12,069 SH   SOLE   0 0 12,069
TECHNOLOGY SELECT SECTOR SPDR ETF 81369Y803   458,107 2,200 SH   SOLE   0 0 2,200
MARATHON PETE CORP COM 56585A102   460,835 2,287 SH   SOLE   0 0 2,287
UNITED PARCEL SERVICE INC COM 911312106   461,019 3,102 SH   SOLE   0 0 3,102
GILEAD SCIENCES INC COM 375558103   462,317 6,311 SH   SOLE   0 0 6,311
GENERAL MOTORS CORP COM 37045V100   466,439 10,285 SH   SOLE   0 0 10,285
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509   468,817 12,954 SH   SOLE   0 0 12,954
WALMART INC COM COM 931142103   472,780 7,857 SH   SOLE   0 0 7,857
HEALTH CARE SELECT SECTOR SPDR ETF 81369Y209   483,959 3,276 SH   SOLE   0 0 3,276
ISHR TR DOW JONESUS AEROSPACE & DEF ETF 464288760   497,868 3,774 SH   SOLE   0 0 3,774
LINDE PLC SHS COM G54950103   504,357 1,086 SH   SOLE   0 0 1,086
CVS HEALTH CORP COM COM 126650100   504,874 6,330 SH   SOLE   0 0 6,330
SHERWIN WILLIAMS CO COM COM 824348106   529,138 1,523 SH   SOLE   0 0 1,523
ORACLE CORPORATION COM 68389X105   533,941 4,251 SH   SOLE   0 0 4,251
CISCO SYS INC COM 17275R102   543,873 10,897 SH   SOLE   0 0 10,897
PIMCO INTERMEDIATE MUNI BD ACTIVE ETF 72201R866   545,756 10,401 SH   SOLE   0 0 10,401
MASCO CORP COM COM 574599106   545,958 6,921 SH   SOLE   0 0 6,921
COCA COLA CO COM COM 191216100   549,338 8,979 SH   SOLE   0 0 8,979
SALESFORCE COM COM 79466L302   556,279 1,847 SH   SOLE   0 0 1,847
AT&T INC COM COM 00206R102   578,153 32,850 SH   SOLE   0 0 32,850
TJX COS INC NEW COM COM 872540109   578,913 5,708 SH   SOLE   0 0 5,708
ABBOTT LABS COM COM 002824100   583,845 5,137 SH   SOLE   0 0 5,137
SCHWAB US MID-CAP ETF ETF 808524508   590,800 7,255 SH   SOLE   0 0 7,255
BECTON DICKINSON & CO COM COM 075887109   601,320 2,430 SH   SOLE   0 0 2,430
INTEL CORP COM COM 458140100   604,002 13,674 SH   SOLE   0 0 13,674
UNION PAC CORP COM COM 907818108   606,534 2,466 SH   SOLE   0 0 2,466
RTX CORPORATION COM COM 75513E101   615,101 6,307 SH   SOLE   0 0 6,307
COMCAST CORP NEW CL A COM 20030N101   615,472 14,198 SH   SOLE   0 0 14,198
CHUBB LIMITED COM COM H1467J104   615,687 2,376 SH   SOLE   0 0 2,376
STRYKER CORP COM 863667101   618,350 1,728 SH   SOLE   0 0 1,728
NUVEEN ESG LARGE-CAP GROWTH ETF ETF 67092P201   621,465 8,147 SH   SOLE   0 0 8,147
PEPSICO INC COM COM 713448108   625,897 3,576 SH   SOLE   0 0 3,576
ADOBE SYS INC COM 00724F101   626,209 1,241 SH   SOLE   0 0 1,241
TMTHY PN TMTHY PN US LRG/MD CP CR ETF 887432359   628,369 14,922 SH   SOLE   0 0 14,922
VALERO ENERGY CORP COM 91913Y100   630,543 3,694 SH   SOLE   0 0 3,694
INTL BUSINESS MACHINES COM 459200101   648,992 3,399 SH   SOLE   0 0 3,399
ISH 5-10 YR INVEST GRADE CORP BD ETF 464288638   665,310 12,894 SH   SOLE   0 0 12,894
ISHARES 10-20 YEAR TREASURY BND ETF ETF 464288653   668,133 6,361 SH   SOLE   0 0 6,361
ISHR GLD TRST MICR ETF BENEF INTRST ETF 46436F103   669,268 30,188 SH   SOLE   0 0 30,188
ELI LILLY & CO COM COM 532457108   670,196 861 SH   SOLE   0 0 861
SPDR PORTFOLIO S&P 400 MID CAP ETF ETF 78464A847   696,568 13,059 SH   SOLE   0 0 13,059
JOHN HANCOCK MULTIFACTOR MID CAP ETF 47804J206   701,823 12,231 SH   SOLE   0 0 12,231
NETFLIX COM INC COM 64110L106   702,073 1,156 SH   SOLE   0 0 1,156
SPDR S&P 500 ETF TRUST ETF 78462F103   707,038 7,794 SH   SOLE   0 0 7,794
ISHR INT SELECT DIV ETF ETF 464288448   709,798 25,314 SH   SOLE   0 0 25,314
VANGUARD MEGA CAP VALUE ETF ETF 921910840   713,466 5,970 SH   SOLE   0 0 5,970
GLDMN SCHS ACT EBETA US LRG CAP EQ ETF 381430503   724,788 6,983 SH   SOLE   0 0 6,983
FIDELITY MSCI ENERGY INDEX ETF ETF 316092402   738,330 28,540 SH   SOLE   0 0 28,540
SPDR MSCI USA STRATEGICFACTORS ETF ETF 78468R812   743,887 5,108 SH   SOLE   0 0 5,108
FEDEX CORP COM 31428X106   745,486 2,573 SH   SOLE   0 0 2,573
ISHARES 7-10 YR TREASURY BOND ETF ETF 464287440   746,531 7,886 SH   SOLE   0 0 7,886
MEDTRONIC PLC SHS COM G5960L103   750,768 8,615 SH   SOLE   0 0 8,615
VANECK SHORT MUNI ETF ETF 92189F528   784,570 46,097 SH   SOLE   0 0 46,097
PROCTER AND GAMBLE CO COM COM 742718109   824,081 5,079 SH   SOLE   0 0 5,079
WISDOMTREE MIDCAP DIVIDEND ETF 97717W505   849,277 17,414 SH   SOLE   0 0 17,414
MASTERCARD INC COM 57636Q104   861,266 1,788 SH   SOLE   0 0 1,788
ISHARES 1-3 YR TREASURY BOND ETF ETF 464287457   868,916 10,625 SH   SOLE   0 0 10,625
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797   880,067 10,915 SH   SOLE   0 0 10,915
NUVEEN ESG MID-CAP GROWTH ETF ETF 67092P409   884,952 19,896 SH   SOLE   0 0 19,896
UNITEDHEALTH GROUP COM 91324P102   896,652 1,813 SH   SOLE   0 0 1,813
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   898,133 4,918 SH   SOLE   0 0 4,918
BROADCOM INC COM COM 11135F101   904,208 682 SH   SOLE   0 0 682
DISNEY WALT CO COM COM 254687106   917,810 7,501 SH   SOLE   0 0 7,501
ISHARES TR S&P 1500 INDEX FD ETF 464287150   935,462 8,113 SH   SOLE   0 0 8,113
WISDOMTREE SMALLCAP DIVIDEND ETF 97717W604   957,662 29,304 SH   SOLE   0 0 29,304
PRUDENTIAL FINL INC COM 744320102   1,047,510 8,923 SH   SOLE   0 0 8,923
ISHR TRUST CORE SHRT TERM US BD ETF ETF 46432F859   1,065,865 22,468 SH   SOLE   0 0 22,468
ALPHABET INC CAP STK CL C COM 02079K107   1,071,478 7,037 SH   SOLE   0 0 7,037
INSPIRE 100 ETF ETF 66538H534   1,077,296 27,687 SH   SOLE   0 0 27,687
LOCKHEED MARTIN CORP COM 539830109   1,086,059 2,388 SH   SOLE   0 0 2,388
GLOBAL X NASDAQ 100 COVERED CALL ETF 37954Y483   1,114,035 62,202 SH   SOLE   0 0 62,202
JOHNSON & JOHNSON COM COM 478160104   1,119,382 7,076 SH   SOLE   0 0 7,076
VANGUARD FTSE ALL-WORLD EX-US ETF 922042775   1,122,737 19,143 SH   SOLE   0 0 19,143
PACER US CASH COWS 100 ETF ETF 69374H881   1,127,780 19,408 SH   SOLE   0 0 19,408
MERCK & CO INC COM 58933Y105   1,138,326 8,627 SH   SOLE   0 0 8,627
LOWES COS INC COM COM 548661107   1,147,154 4,503 SH   SOLE   0 0 4,503
HOME DEPOT COM 437076102   1,188,334 3,098 SH   SOLE   0 0 3,098
CHEVRON CORP NEW COM COM 166764100   1,274,211 8,078 SH   SOLE   0 0 8,078
VISA INC COM 92826C839   1,295,194 4,641 SH   SOLE   0 0 4,641
ISHR JPMORG USD EMERG MARKTS BD ETF ETF 464288281   1,296,080 14,454 SH   SOLE   0 0 14,454
FRT TRST TCW OPPORTUN FXD INCOME ETF 33740F805   1,308,681 30,016 SH   SOLE   0 0 30,016
INSPIRE CORPORATE BOND ETF ETF 66538H633   1,365,982 58,176 SH   SOLE   0 0 58,176
WISDOMTREE FLOATING RATE TREASRY FD ETF 97717Y527   1,418,378 28,204 SH   SOLE   0 0 28,204
ISHARES S&P MIDCAP 400 GROWTH INDEX ETF 464287606   1,446,005 15,847 SH   SOLE   0 0 15,847
VANGUARD SMALL CAP ETF ETF 922908751   1,450,175 6,344 SH   SOLE   0 0 6,344
ISHR TRST COR MSCI TOT INTL STK ETF ETF 46432F834   1,462,749 21,555 SH   SOLE   0 0 21,555
VCTRY US SMLL CP HGH IVD VLTLTY WTD ETF 92647N873   1,510,430 26,953 SH   SOLE   0 0 26,953
SCHWAB FUNDAMENTAL US SMALL CO INDX ETF 808524763   1,543,782 27,070 SH   SOLE   0 0 27,070
JANUS HENDERSON SHT DURATION INCOME ETF 47103U886   1,573,631 32,446 SH   SOLE   0 0 32,446
NUVEEN ESG SMALL-CAP ETF ETF 67092P607   1,580,316 37,998 SH   SOLE   0 0 37,998
ISHARES S&P MIDCAP 400 VALUE ETF ETF 464287705   1,610,305 13,613 SH   SOLE   0 0 13,613
EXXON MOBIL CORP COM COM 30231G102   1,615,758 13,900 SH   SOLE   0 0 13,900
VANGUARD Intmd-TERM CORP BD ETF ETF 92206C870   1,666,134 20,695 SH   SOLE   0 0 20,695
ISHARES S&P SMALLCAP 600 GROWTH ETF ETF 464287887   1,733,411 13,259 SH   SOLE   0 0 13,259
ISHARES MSCI KLD 400 SOCIAL ETF ETF 464288570   1,750,132 17,361 SH   SOLE   0 0 17,361
BERKSHIRE HATHAWAY INC DEL CL B NEW COM 084670702   1,813,072 4,312 SH   SOLE   0 0 4,312
AVANTIS U.S. EQUITY ETF ETF 025072885   1,819,904 20,334 SH   SOLE   0 0 20,334
ISHARES ESG AWARE MSCI EAFE ETF ETF 46435G516   1,860,549 23,283 SH   SOLE   0 0 23,283
INVESCO S&P SMALLCAP 600 REVNUE ETF ETF 46138G664   1,889,274 44,132 SH   SOLE   0 0 44,132
ISH BROAD USD HGH YD CORP BD ETF ETF 46435U853   1,936,648 52,928 SH   SOLE   0 0 52,928
VANGUARD HIGH DIVIDEND YIELD ETF 921946406   1,992,251 16,466 SH   SOLE   0 0 16,466
ISHARES GOLD TRUST ETF ETF 464285204   2,004,297 47,710 SH   SOLE   0 0 47,710
META PLATFORMS INC CL A COM 30303M102   2,015,941 4,152 SH   SOLE   0 0 4,152
JPMORGAN CHASE & CO COM COM 46625H100   2,189,511 10,931 SH   SOLE   0 0 10,931
MKT VCTRSTR LHMAN BRS AMT-FR INTRMD ETF 92189H201   2,318,920 49,859 SH   SOLE   0 0 49,859
FIDELITY ENHANCED INTERNATIONAL ETF ETF 31609A404   2,493,662 87,344 SH   SOLE   0 0 87,344
POWERSHARES DB US DOLLAR BULLISH ETF 46141D203   2,716,967 95,769 SH   SOLE   0 0 95,769
ISHR S&P NORTH AMER TECH-SOFTWARE ETF 464287515   2,781,465 32,620 SH   SOLE   0 0 32,620
KBW INSURANCE ETF 78464A789   2,886,783 55,440 SH   SOLE   0 0 55,440
JPMORGAN MUNICIPAL ETF ETF 46641Q647   2,913,694 57,424 SH   SOLE   0 0 57,424
SPDR PORTFOLIO S&P 500 ETF ETF 78464A854   2,968,089 48,238 SH   SOLE   0 0 48,238
SPDR S&P CAPITAL MARKETS ETF ETF 78464A771   2,979,960 26,956 SH   SOLE   0 0 26,956
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746   3,038,936 60,058 SH   SOLE   0 0 60,058
ISH DOW JONES US HOME CONST ETF ETF 464288752   3,042,840 26,283 SH   SOLE   0 0 26,283
ISHR IBOXX HIGH YIELD CORP BD ETF ETF 464288513   3,138,992 40,383 SH   SOLE   0 0 40,383
VANGUARD SHORT TERM CORP BD FD ETF ETF 92206C409   3,298,217 42,662 SH   SOLE   0 0 42,662
VANGUARD MID CAP ETF 922908629   3,412,738 13,659 SH   SOLE   0 0 13,659
SPDR SER TR LEHMAN 1-3 MNTH T-BILL ETF 78468R663   3,485,646 37,970 SH   SOLE   0 0 37,970
GOLDMAN SACH ACCESS TREASURY 0-1 YR ETF 381430529   3,554,623 35,233 SH   SOLE   0 0 35,233
GOOGLE INC COM 02079K305   3,629,263 24,046 SH   SOLE   0 0 24,046
NUVEEN ESG LARGE-CAP VALUE ETF ETF 67092P300   3,688,274 94,912 SH   SOLE   0 0 94,912
VANGUARD TOTAL STK MKT ETF 922908769   3,689,417 14,196 SH   SOLE   0 0 14,196
AMAZON.COM INC COM 023135106   4,180,487 23,176 SH   SOLE   0 0 23,176
SPDR PORT DEVELOPED WORLD EX-US ETF ETF 78463X889   4,462,452 124,510 SH   SOLE   0 0 124,510
ISHARES MSCI INTL QUALITY FACTR ETF ETF 46434V456   4,561,392 115,012 SH   SOLE   0 0 115,012
CAPITAL GROUP US MULTI-SECTOR INCM ETF 14020Y300   4,772,690 176,505 SH   SOLE   0 0 176,505
IQ MACKAY MUNI INTERMEDIATE ETF ETF 45409F827   4,872,359 199,769 SH   SOLE   0 0 199,769
JPM EQUITY PREMIUM INCONE FUND ETF 46641Q332   5,440,072 94,021 SH   SOLE   0 0 94,021
VANGUARD EXTENDED MARKET ETF ETF 922908652   5,786,196 33,013 SH   SOLE   0 0 33,013
VANGUARD GROWTH ETF ETF 922908736   5,911,029 17,173 SH   SOLE   0 0 17,173
ISHARES S&P SMALLCAP 600 VALUE ETF ETF 464287879   6,241,570 60,739 SH   SOLE   0 0 60,739
NVIDIA CORPORATION COM COM 67066G104   6,403,594 7,087 SH   SOLE   0 0 7,087
ISHARES S&P 500 VALUE ETF ETF 464287408   6,658,999 35,646 SH   SOLE   0 0 35,646
FIRST TR TCW UNCONSTRAINED PLUS BD ETF 33740F888   7,298,209 296,675 SH   SOLE   0 0 296,675
XTRACKERS MSCI EAFE HEDGED EQTY ETF ETF 233051200   8,677,676 212,013 SH   SOLE   0 0 212,013
VANGUARD VALUE ETF ETF 922908744   8,708,756 53,474 SH   SOLE   0 0 53,474
VANGUARD LONG-TERM TREASURY INDX FD ETF 92206C847   8,807,719 148,679 SH   SOLE   0 0 148,679
SPDR DOUBLELINE TOT RETURN TACT ETF ETF 78467V848   10,136,195 253,089 SH   SOLE   0 0 253,089
FIDELITY MSCI HEALTH CARE INDEX ETF ETF 316092600   10,448,582 149,758 SH   SOLE   0 0 149,758
PIMCO ACTIVE BD ETF ETF 72201R775   10,949,859 119,202 SH   SOLE   0 0 119,202
BERKSHIRE HATHAWAY INC DEL CL A COM 084670108   11,419,920 18 SH   SOLE   0 0 18
COLGATE PALMOLIVE CO COM COM 194162103   11,919,781 132,368 SH   SOLE   0 0 132,368
APPLE INC COM 037833100   12,024,377 70,121 SH   SOLE   0 0 70,121
FID MSCI CONSUM DISCRETION IDX ET ETF 316092204   14,622,039 177,280 SH   SOLE   0 0 177,280
BHP GROUP LTD SPONSORED ADS ADR 088606108   15,225,964 263,927 SH   SOLE   0 0 263,927
SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409   16,138,310 220,619 SH   SOLE   0 0 220,619
INVESCO QQQ TR UNIT SER 1 ETF 46090E103   16,491,991 37,143 SH   SOLE   0 0 37,143
ISHARES TR ISHARES CORE DIV GROWTH ETF 46434V621   18,498,083 318,603 SH   SOLE   0 0 318,603
FID MSCI INFO TECHNOLOGY INDEX ETF ETF 316092808   18,565,696 119,133 SH   SOLE   0 0 119,133
ISHARES AMT-FREE MUNI BOND ETF ETF 464288414   19,001,948 176,598 SH   SOLE   0 0 176,598
VANGUARD S&P 500 ETF ETF 922908363   20,789,055 43,247 SH   SOLE   0 0 43,247
ISHARES CORE MSCI EMERGING MKTS ETF 46434G103   22,739,733 440,692 SH   SOLE   0 0 440,692
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508   27,822,028 555,330 SH   SOLE   0 0 555,330
ISHARES TR S&P 100 INDEX FUND ETF 464287101   28,037,113 113,322 SH   SOLE   0 0 113,322
FIDELITY TOTAL BOND ETF ETF 316188309   31,479,961 694,769 SH   SOLE   0 0 694,769
INVESCO S&P 500 EQUAL WEIGHT ETF 46137V357   33,925,777 200,306 SH   SOLE   0 0 200,306
MICROSOFT COM 594918104   39,094,960 92,924 SH   SOLE   0 0 92,924
ISHARES AGGREGATE BOND ETF ETF 464287226   39,665,508 404,998 SH   SOLE   0 0 404,998
ISHARES S&P SMALLCAP 600 ETF ETF 464287804   48,896,345 442,421 SH   SOLE   0 0 442,421
ISHARES CORE S&P MID CAP ETF ETF 464287507   76,703,136 1,262,811 SH   SOLE   0 0 1,262,811
ISHARES CORE MSCI EAFE ETF 46432F842   85,832,965 1,156,467 SH   SOLE   0 0 1,156,467
ISHARES S&P 500 INDEX ETF 464287200   173,854,521 330,692 SH   SOLE   0 0 330,692