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
ABBOTT LABS COM 002824100 BBG001S5N9M6 744,687 6,551 SH   SOLE   6,551 0 0
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 1,442,886 7,923 SH   SOLE   7,923 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 BBG001SCXK90 498,079 1,437 SH   SOLE   1,437 0 0
AFFIRM HLDGS INC COM CL A 00827B106 BBG00Y7BP8Z0 401,290 10,770 SH   SOLE   10,770 0 0
AGNC INVT CORP COM 00123Q104 BBG001T074G2 168,291 16,999 SH   SOLE   16,999 0 0
AIRBNB INC COM CL A 009066101 BBG001Y2XS16 68,823,786 417,215 SH   SOLE   417,215 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 255,374 1,692 SH   SOLE   1,692 0 0
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 BBG00Q9MR7Z1 483,796 7,345 SH   SOLE   7,345 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 3,006,902 32,087 SH   SOLE   32,087 0 0
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 247,499 1,087 SH   SOLE   1,087 0 0
AMERICAN INTL GROUP INC COM NEW 026874784 BBG001S5NJG1 251,224 3,213 SH   SOLE   3,213 0 0
AMGEN INC COM 031162100 BBG001S5NNL6 801,782 2,820 SH   SOLE   2,820 0 0
APPLE INC COM 037833100 BBG001S5N8V8 3,647,231 21,269 SH   SOLE   21,269 0 0
APPLIED MATLS INC COM 038222105 BBG001S5NMM7 222,582 1,079 SH   SOLE   1,079 0 0
ASANA INC CL A 04342Y104 BBG00WYHL741 1,458,414 94,152 SH   SOLE   94,152 0 0
ASE TECHNOLOGY HLDG CO LTD SPONSORED ADS 00215W100 BBG00KLHLBL3 265,881 24,193 SH   SOLE   24,193 0 0
AVNET INC COM 053807103 BBG001S5NZJ2 207,656 4,188 SH   SOLE   4,188 0 0
AXIS CAP HLDGS LTD SHS G0692U109 BBG001SGW5F8 202,017 3,107 SH   SOLE   3,107 0 0
BANK NEW YORK MELLON CORP COM 064058100 BBG001S5P6Q6 244,387 4,241 SH   SOLE   4,241 0 0
BOISE CASCADE CO DEL COM 09739D100 BBG001SZX397 355,578 2,318 SH   SOLE   2,318 0 0
BROADCOM INC COM 11135F101 BBG00KHY5SY8 1,297,267 978 SH   SOLE   978 0 0
BROOKFIELD INFRASTRUCTURE CO COM SB VTG SHS A 11275Q107 BBG00QDWSVL5 4,591,064 127,388 SH   SOLE   127,388 0 0
CALIFORNIA RES CORP COM STOCK 13057Q305 BBG00Y04KQ51 239,735 4,350 SH   SOLE   4,350 0 0
CAPITAL ONE FINL CORP COM 14040H105 BBG001S65PV8 269,994 1,813 SH   SOLE   1,813 0 0
CENCORA INC COM 03073E105 BBG001S8X7P0 244,791 1,007 SH   SOLE   1,007 0 0
CENOVUS ENERGY INC COM 15135U109 BBG001T2PJV8 209,695 10,490 SH   SOLE   10,490 0 0
CF INDS HLDGS INC COM 125269100 BBG001SJ8KV8 234,212 2,814 SH   SOLE   2,814 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 785,068 4,976 SH   SOLE   4,976 0 0
CHORD ENERGY CORPORATION COM NEW 674215207 BBG00Y7BLJF2 221,488 1,242 SH   SOLE   1,242 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 587,764 11,776 SH   SOLE   11,776 0 0
CITIZENS FINL GROUP INC COM 174610105 BBG006Q0HZT0 233,202 6,426 SH   SOLE   6,426 0 0
CIVITAS RESOURCES INC COM NEW 17888H103 BBG00GLNJ0R0 203,688 2,683 SH   SOLE   2,683 0 0
CNA FINL CORP COM 126117100 BBG001S5PYX7 201,166 4,429 SH   SOLE   4,429 0 0
COCA COLA CO COM 191216100 BBG001S5SMQ8 512,558 8,377 SH   SOLE   8,377 0 0
COINBASE GLOBAL INC COM CL A 19260Q107 BBG00ZGF7799 61,417,699 231,660 SH   SOLE   231,660 0 0
COLGATE PALMOLIVE CO COM 194162103 BBG001S5PVM5 432,960 4,808 SH   SOLE   4,808 0 0
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 654,368 15,095 SH   SOLE   15,095 0 0
COMMERCIAL METALS CO COM 201723103 BBG001S5PXG8 228,465 3,887 SH   SOLE   3,887 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 220,622 301 SH   SOLE   301 0 0
DEVON ENERGY CORP NEW COM 25179M103 BBG001S63VG4 754,657 15,039 SH   SOLE   15,039 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 BBG001S7V596 234,266 1,575 SH   SOLE   1,575 0 0
DIGITALOCEAN HLDGS INC COM 25402D102 BBG00ZGF6TM7 14,365,836 376,266 SH   SOLE   376,266 0 0
DISNEY WALT CO COM 254687106 BBG001S5QHF3 487,613 3,985 SH   SOLE   3,985 0 0
EAST WEST BANCORP INC COM 27579R104 BBG001SCC7R2 306,936 3,879 SH   SOLE   3,879 0 0
EASTMAN CHEM CO COM 277432100 BBG001S7JNP3 292,319 2,916 SH   SOLE   2,916 0 0
ELI LILLY & CO COM 532457108 BBG001S5STL8 1,089,202 1,400 SH   SOLE   1,400 0 0
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 BBG001SDHNW4 1,081,029 68,724 SH   SOLE   68,724 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 393,984 3,389 SH   SOLE   3,389 0 0
F N B CORP COM 302520101 BBG001S5R1Q5 234,131 16,605 SH   SOLE   16,605 0 0
FIDELITY NATIONAL FINANCIAL FNF GROUP COM 31620R303 BBG006N7S6J1 273,775 5,155 SH   SOLE   5,155 0 0
FIFTH THIRD BANCORP COM 316773100 BBG001S5R6S2 268,874 7,225 SH   SOLE   7,225 0 0
FIRST HORIZON CORPORATION COM 320517105 BBG001SCW8R8 252,456 16,393 SH   SOLE   16,393 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST UQ EQT 33740U505 BBG00YGC7V96 771,740 18,727 SH   SOLE   18,727 0 0
FISERV INC COM 337738108 BBG001S5R6Q4 767,136 4,800 SH   SOLE   4,800 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 BBG00243P8S9 6,856,818 166,954 SH   SOLE   166,954 0 0
FRANKLIN TEMPLETON ETF TR FTSE JAPAN ETF 35473P744 BBG00J3MDYR8 2,348,860 75,696 SH   SOLE   75,696 0 0
FRONTLINE PLC COM M46528101 BBG001S66K75 306,233 13,098 SH   SOLE   13,098 0 0
GENERAL ELECTRIC CO COM NEW 369604301 BBG001S5PVD5 320,869 1,828 SH   SOLE   1,828 0 0
GENERAL MLS INC COM 370334104 BBG001S5RKR2 240,012 3,430 SH   SOLE   3,430 0 0
GROUP 1 AUTOMOTIVE INC COM 398905109 BBG001S5RNK3 223,138 763 SH   SOLE   763 0 0
HANCOCK WHITNEY CORPORATION COM 410120109 BBG001S6S985 236,083 5,127 SH   SOLE   5,127 0 0
HARTFORD FINL SVCS GROUP INC COM 416515104 BBG001S8PXF3 253,116 2,456 SH   SOLE   2,456 0 0
HELMERICH & PAYNE INC COM 423452101 BBG001S5RZP1 229,831 5,464 SH   SOLE   5,464 0 0
HF SINCLAIR CORP COM 403949100 BBG0135B2269 270,627 4,482 SH   SOLE   4,482 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 496,004 1,293 SH   SOLE   1,293 0 0
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 308,696 1,504 SH   SOLE   1,504 0 0
HUNTINGTON BANCSHARES INC COM 446150104 BBG001S5RSZ6 210,886 15,117 SH   SOLE   15,117 0 0
ICL GROUP LTD SHS M53213100 BBG001S7TFD2 123,089 22,879 SH   SOLE   22,879 0 0
ILLINOIS TOOL WKS INC COM 452308109 BBG001S5SDX0 536,660 2,000 SH   SOLE   2,000 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 244,680 1,281 SH   SOLE   1,281 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 BBG001SS8729 353,061 7,111 SH   SOLE   7,111 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 BBG001SSJYS0 356,079 18,298 SH   SOLE   18,298 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 BBG001S6H5N8 370,658 9,635 SH   SOLE   9,635 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 243,902 1,440 SH   SOLE   1,440 0 0
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258 BBG00KJR2X19 395,433 4,471 SH   SOLE   4,471 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 BBG001SDTVQ0 57,792,991 956,520 SH   SOLE   956,520 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 248,970 4,825 SH   SOLE   4,825 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 BBG001S8SYN9 2,242,402 31,428 SH   SOLE   31,428 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 BBG001SSD812 6,179,279 53,357 SH   SOLE   53,357 0 0
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 248,990 4,327 SH   SOLE   4,327 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 1,306,565 17,603 SH   SOLE   17,603 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 334,471 6,482 SH   SOLE   6,482 0 0
ISHARES TR MORNINGSTAR GRWT 464287119 BBG001SBRHJ5 377,325 4,999 SH   SOLE   4,999 0 0
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 5,008,550 62,716 SH   SOLE   62,716 0 0
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 21,596,832 544,549 SH   SOLE   544,549 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 566,697 5,266 SH   SOLE   5,266 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 963,525 5,379 SH   SOLE   5,379 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 333,355 1,231 SH   SOLE   1,231 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 694,374 4,372 SH   SOLE   4,372 0 0
ISHARES TR S&P SML 600 GWT 464287887 BBG001SFQL44 315,713 2,415 SH   SOLE   2,415 0 0
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 292,477 2,723 SH   SOLE   2,723 0 0
JACKSON FINANCIAL INC COM CL A 46817M107 BBG00922Y611 337,570 5,103 SH   SOLE   5,103 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 650,894 4,114 SH   SOLE   4,114 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 738,553 3,687 SH   SOLE   3,687 0 0
KB HOME COM 48666K109 BBG001S5SJV9 273,884 3,864 SH   SOLE   3,864 0 0
KILROY RLTY CORP COM 49427F108 BBG001S9BHB5 233,727 6,415 SH   SOLE   6,415 0 0
KLA CORP COM NEW 482480100 BBG001S5SLM4 210,968 302 SH   SOLE   302 0 0
LEVI STRAUSS & CO NEW CL A COM STK 52736R102 BBG001S9NVN8 203,186 10,164 SH   SOLE   10,164 0 0
LIBERTY GLOBAL LTD COM CL C G61188127 BBG01K9KJ456 210,745 11,947 SH   SOLE   11,947 0 0
LUFAX HOLDING LTD SPONSORED ADR 54975P201 BBG00XS6R0J3 86,616 20,525 SH   SOLE   20,525 0 0
LYFT INC CL A COM 55087P104 BBG004M9ZHY4 5,490,408 283,742 SH   SOLE   283,742 0 0
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 BBG001T8LMY9 239,542 2,342 SH   SOLE   2,342 0 0
M & T BK CORP COM 55261F104 BBG001S7S2B4 216,922 1,491 SH   SOLE   1,491 0 0
M D C HLDGS INC COM 552676108 BBG001S5T272 274,263 4,359 SH   SOLE   4,359 0 0
MARATHON OIL CORP COM 565849106 BBG001S69V69 211,283 7,455 SH   SOLE   7,455 0 0
MARATHON PETE CORP COM 56585A102 BBG001S169P1 460,456 2,285 SH   SOLE   2,285 0 0
MARRIOTT INTL INC NEW CL A 571903202 BBG001S78K44 386,987 1,533 SH   SOLE   1,533 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 377,249 1,338 SH   SOLE   1,338 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 639,435 4,846 SH   SOLE   4,846 0 0
METLIFE INC COM 59156R108 BBG001S5T3R8 281,680 3,800 SH   SOLE   3,800 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 29,155,549 69,299 SH   SOLE   69,299 0 0
MOLSON COORS BEVERAGE CO CL B 60871R209 BBG001S5VQ21 570,948 8,489 SH   SOLE   8,489 0 0
MURPHY OIL CORP COM 626717102 BBG001S5TG80 227,563 4,979 SH   SOLE   4,979 0 0
NUCOR CORP COM 670346105 BBG001S5TRV0 237,258 1,198 SH   SOLE   1,198 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 381,313 422 SH   SOLE   422 0 0
OKTA INC CL A 679295105 BBG001YV1SN3 12,993,804 124,200 SH   SOLE   124,200 0 0
OLD REP INTL CORP COM 680223104 BBG001S6M9Y2 212,694 6,923 SH   SOLE   6,923 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 1,200,881 9,560 SH   SOLE   9,560 0 0
PACER FDS TR US CASH COWS 100 69374H881 BBG00FJQN752 24,488,613 421,418 SH   SOLE   421,418 0 0
PAGERDUTY INC COM 69553P100 BBG0043BYPD6 407,265 17,957 SH   SOLE   17,957 0 0
PATHWARD FINANCIAL INC COM 59100U108 BBG001S7G4Q7 5,402,279 0 SH   SOLE   0 0 0
PBF ENERGY INC CL A 69318G106 BBG002832HM6 303,893 5,278 SH   SOLE   5,278 0 0
PENSKE AUTOMOTIVE GRP INC COM 70959W103 BBG001S96493 205,375 1,267 SH   SOLE   1,267 0 0
PEPSICO INC COM 713448108 BBG001S695T1 331,845 1,896 SH   SOLE   1,896 0 0
PFIZER INC COM 717081103 BBG001S5V466 541,486 19,513 SH   SOLE   19,513 0 0
PHILLIPS 66 COM 718546104 BBG00286S4P7 465,984 2,852 SH   SOLE   2,852 0 0
PINTEREST INC CL A 72352L106 BBG002583CW7 20,961,551 604,602 SH   SOLE   604,602 0 0
POET TECHNOLOGIES INC COM NEW 73044W302 BBG001STSZP8 147,412 107,600 SH   SOLE   107,600 0 0
POPULAR INC COM NEW 733174700 BBG001S5PC01 266,648 3,027 SH   SOLE   3,027 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 1,443,376 8,896 SH   SOLE   8,896 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467 BBG005D266P2 5,511,265 54,346 SH   SOLE   54,346 0 0
PRUDENTIAL FINL INC COM 744320102 BBG001S97MM7 253,477 2,159 SH   SOLE   2,159 0 0
PULTE GROUP INC COM 745867101 BBG001S5V5K7 496,882 4,119 SH   SOLE   4,119 0 0
REINSURANCE GRP OF AMERICA I COM NEW 759351604 BBG001S6P9Q8 224,963 1,166 SH   SOLE   1,166 0 0
RITHM CAPITAL CORP COM NEW 64828T201 BBG003T1GM12 257,321 23,057 SH   SOLE   23,057 0 0
ROBINHOOD MKTS INC COM CL A 770700102 BBG008NMBXP6 633,169 31,454 SH   SOLE   31,454 0 0
ROBLOX CORP CL A 771049103 BBG001V1Y6Z1 709,690 18,588 SH   SOLE   18,588 0 0
RUSH ENTERPRISES INC CL A 781846209 BBG001SKX0D1 269,294 5,031 SH   SOLE   5,031 0 0
SALESFORCE INC COM 79466L302 BBG001SDLP09 22,914,076 76,081 SH   SOLE   76,081 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 381,538 9,778 SH   SOLE   9,778 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 250,027 6,984 SH   SOLE   6,984 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 BBG0051J0PJ9 596,941 8,858 SH   SOLE   8,858 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 BBG0051NXNX3 534,998 9,381 SH   SOLE   9,381 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 BBG0051QPC87 271,021 9,763 SH   SOLE   9,763 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 BBG0051K49J8 222,812 6,257 SH   SOLE   6,257 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 381,409 10,753 SH   SOLE   10,753 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 243,958 3,931 SH   SOLE   3,931 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 398,302 8,089 SH   SOLE   8,089 0 0
SCORPIO TANKERS INC SHS Y7542C130 BBG001T6B9Q2 262,946 3,675 SH   SOLE   3,675 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 219,215 2,321 SH   SOLE   2,321 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 313,631 2,123 SH   SOLE   2,123 0 0
SIGNET JEWELERS LIMITED SHS G81276100 BBG001S7FKS0 243,470 2,433 SH   SOLE   2,433 0 0
SM ENERGY CO COM 78454L100 BBG001S6W0J7 322,212 6,463 SH   SOLE   6,463 0 0
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 237,607 1,155 SH   SOLE   1,155 0 0
SPDR INDEX SHS FDS S&P GBLINF ETF 78463X855 BBG001SRXRM7 260,770 4,815 SH   SOLE   4,815 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 8,806,082 16,835 SH   SOLE   16,835 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 BBG001S63NQ1 1,891,760 3,400 SH   SOLE   3,400 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 1,247,620 15,037 SH   SOLE   15,037 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 BBG0084H8485 2,226,941 55,604 SH   SOLE   55,604 0 0
STEEL DYNAMICS INC COM 858119100 BBG001S98JK5 262,897 1,773 SH   SOLE   1,773 0 0
STERIS PLC SHS USD G8473T100 BBG00MRHG532 224,820 1,000 SH   SOLE   1,000 0 0
SYSCO CORP COM 871829107 BBG001S5WJS8 266,245 3,279 SH   SOLE   3,279 0 0
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 795,891 4,568 SH   SOLE   4,568 0 0
THOR INDS INC COM 885160101 BBG001S5WPH6 275,374 2,346 SH   SOLE   2,346 0 0
T-MOBILE US INC COM 872590104 BBG001SKR9Y6 3,898,346 23,884 SH   SOLE   23,884 0 0
TOLL BROTHERS INC COM 889478103 BBG001S5WT15 349,664 2,702 SH   SOLE   2,702 0 0
UNITED STATES STL CORP NEW COM 912909108 BBG001S5XL75 322,728 7,913 SH   SOLE   7,913 0 0
UNUM GROUP COM 91529Y106 BBG001S5X2J4 211,719 3,945 SH   SOLE   3,945 0 0
US BANCORP DEL COM NEW 902973304 BBG001S6T8C1 357,424 7,996 SH   SOLE   7,996 0 0
VALERO ENERGY CORP COM 91913Y100 BBG001S5X8K9 274,501 1,608 SH   SOLE   1,608 0 0
VALLEY NATL BANCORP COM 919794107 BBG001S7H654 194,906 24,485 SH   SOLE   24,485 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 477,413 993 SH   SOLE   993 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 1,784,648 9,300 SH   SOLE   9,300 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 456,623 1,756 SH   SOLE   1,756 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 7,107,231 43,640 SH   SOLE   43,640 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 1,283,636 10,986 SH   SOLE   10,986 0 0
VANGUARD MUN BD FDS INTERMEDIATE TRM 922907738 BBG01L82CC36 331,221 3,304 SH   SOLE   3,304 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 5,476,575 108,232 SH   SOLE   108,232 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 17,908,789 305,871 SH   SOLE   305,871 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 356,511 4,611 SH   SOLE   4,611 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 63,169,795 345,927 SH   SOLE   345,927 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 1,233,511 24,586 SH   SOLE   24,586 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 295,926 3,629 SH   SOLE   3,629 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 300,643 7,165 SH   SOLE   7,165 0 0
VIATRIS INC COM 92556V106 BBG00Y52JV51 243,749 20,414 SH   SOLE   20,414 0 0
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 BBG001S6MDB8 94,590 10,628 SH   SOLE   10,628 0 0
WALMART INC COM 931142103 BBG001S5XH92 729,080 12,117 SH   SOLE   12,117 0 0
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 275,687 1,293 SH   SOLE   1,293 0 0
WESTROCK CO COM 96145D105 BBG008NXC581 357,714 7,233 SH   SOLE   7,233 0 0
WILLIAMS SONOMA INC COM 969904101 BBG001SBW7S1 647,052 2,037 SH   SOLE   2,037 0 0
WINTRUST FINL CORP COM 97650W108 BBG001S945T0 284,823 2,728 SH   SOLE   2,728 0 0
WISDOMTREE TR JP SMALLCP DIV 97717W836 BBG001SHL7C7 309,200 4,000 SH   SOLE   4,000 0 0
YUM BRANDS INC COM 988498101 BBG001S7JQ30 347,873 2,509 SH   SOLE   2,509 0 0
ZIONS BANCORPORATION N A COM 989701107 BBG001S5XN80 320,712 7,389 SH   SOLE   7,389 0 0