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
AT&T COM 00206R102   26,286 1,648 SH   SOLE   0 0 1,648
ARK ETF TR INNOVATION ETF 00214Q104   3,046 69 SH   SOLE   0 0 69
ADOBE INC COM 00724F101   30,806 63 SH   SOLE   0 0 63
ADVANCED MICRO DEVICES INC COM 007903107   46,134 405 SH   SOLE   0 0 405
AIRBNB INC COM CL A 009066101   897 7 SH   SOLE   0 0 7
AIR PRODS & CHEMS INC COM 009158106   4,493 15 SH   SOLE   0 0 15
ALBEMARLE CORP COM 012653101   19,216 86 SH   SOLE   0 0 86
ALPHABET INC CAP STK CL C 02079K107   29,638 245 SH   SOLE   0 0 245
ALPHABET INC CAP STK CL A 02079K305   199,660 1,668 SH   SOLE   0 0 1,668
AMAZON COM INC COM 023135106   445,962 3,421 SH   SOLE   0 0 3,421
AMERICAN TOWER CORP NEW COM 03027X100   4,655 24 SH   SOLE   0 0 24
APPLE INC COM 037833100   2,740,906 14,130 SH   SOLE   0 0 14,130
APPLIED MATLS INC COM 038222105   80,220 555 SH   SOLE   0 0 555
ASTRAZENECA PLC SPONSORED Adr 046353108   20,040 280 SH   SOLE   0 0 280
BANK AMER CORP COM 060505104   511,893 17,842 SH   SOLE   0 0 17,842
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778   162,113 5,303 SH   SOLE   0 0 5,303
BERSHIRE HATHAWAY INC DEL CL B NEW 084670702   266,662 782 SH   SOLE   0 0 782
BEST BUY INC COM 086516101   73,755 900 SH   SOLE   0 0 900
BLACKROCK INC COM 09247X101   6,240 9 SH   SOLE   0 0 9
BRISTOL-MYERS SQUIBB CO COM 110122108   31,975 500 SH   SOLE   0 0 500
BROADCOM INC COM 11135F101   5,214 6 SH   SOLE   0 0 6
CVS HEALTH GROUP COM 126650100   169,783 2,456 SH   SOLE   0 0 2,456
CADENCE DESIGN SYSTEM INC COM 127387108   58,630 250 SH   SOLE   0 0 250
CANNAE HLDGS INC COM 13765N107   20 1 SH   SOLE   0 0 1
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   51,650 2,196 SH   SOLE   0 0 2,196
CARNIVAL CORP COMMON STOCK 143658300   188 10 SH   SOLE   0 0 10
CHEVRON CORP NEW COM 166764100   14,032 89 SH   SOLE   0 0 89
COCA COLA CO COM 191216100   41,086 682 SH   SOLE   0 0 682
COINBASE GLOBAL INC COM CL A 19260Q107   72 1 SH   SOLE   0 0 1
COLLABORATIVE INVESTMENT SER RAREVIEW INFLATN 19423L532   17 1 SH   SOLE   0 0 1
COMCAST CORP NEW CL A 20030N101   2,576 62 SH   SOLE   0 0 62
CONAGRA BANDS INC COM 205887102   3,729 110 SH   SOLE   0 0 110
CORTEVA INC COM 22052L104   0 0 SH   SOLE   0 0 0
DXC TECHNOLOGY CO COM 23355L106   391 14 SH   SOLE   0 0 14
DELTA AIR LINES INC DEL COM NEW 247361702   475 10 SH   SOLE   0 0 10
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   198,405 7,262 SH   SOLE   0 0 7,262
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   124,157 2,676 SH   SOLE   0 0 2,676
DISNEY WALT CO COM DISNEY 254687106   4,553 51 SH   SOLE   0 0 51
DOLLAR GEN CORP NEW COM 256677105   29,881 176 SH   SOLE   0 0 176
DOLLAR TREE INC COM 256746108   746,200 5,200 SH   SOLE   0 0 5,200
DRAFTKINGS INC COM CL A 26142V105   2,657 100 SH   SOLE   0 0 100
DUPONT DE NEMOURS INC COM 26614N102   0 0 SH   SOLE   0 0 0
ECOLAB INC COM 278865100   2,987 16 SH   SOLE   0 0 16
ESSENTIAL PPTYS RLTY TR INC COM 29670E107   13,858 588 SH   SOLE   0 0 588
EXXON MOBIL CORP COM 30231G102   93,546 872 SH   SOLE   0 0 872
META PLATFORMS INC CL A 30303M102   4,750 16 SH   SOLE   0 0 16
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   1,269,098 27,941 SH   SOLE   0 0 27,941
FIDELITY NATL INFORMATION SV COM 31620M106   47,979 877 SH   SOLE   0 0 877
FIDELITY NATIONAL FINANCIAL FNF GROUP COM 31620R303   132 4 SH   SOLE   0 0 4
FIRST TR EXCHANGE TRADED FD INTL EQUITY OPP 33734X853   71,650 1,825 SH   SOLE   0 0 1,825
FORD MTR CO DEL COM 345370860   9,254 612 SH   SOLE   0 0 612
FORTUNE BRANDS HOME & SEC IN COM 34964C106   14,390 200 SH   SOLE   0 0 200
GENERAC HLDGS INC COM 368736104   7,457 50 SH   SOLE   0 0 50
GENERAL ELECTRIC CO COM NEW 369604301   32,955 300 SH   SOLE   0 0 300
GENERAL MLS INC COM 370334104   1,534 20 SH   SOLE   0 0 20
GENERAL MTRS CO COM 37045V100   41,452 1,075 SH   SOLE   0 0 1,075
GRAPHIC PACKAGING HLDG CO COM 388689101   6,036,501 251,206 SH   SOLE   0 0 251,206
GROWGENERATION CORP COM 39986L109   340 100 SH   SOLE   0 0 100
HP INC COM 40434L105   6,793 221 SH   SOLE   0 0 221
HEWLETT PACKARD ENTERPRISE C COM 42824C109   3,485 207 SH   SOLE   0 0 207
HOME DEPOT INC COM 437076102   49,702 160 SH   SOLE   0 0 160
HONEYWELL INTL INC COM 438516106   11,487 55 SH   SOLE   0 0 55
IDEXX LABS INC COM 45168D104   12,556 25 SH   SOLE   0 0 25
ILLINOIS TOOL WKS INC COM 452308109   2,752 11 SH   SOLE   0 0 11
INTEL CORP COM 458140100   3,344 100 SH   SOLE   0 0 100
INTERNATIONAL BUSINESS MACHS COM 459200101   1,338 10 SH   SOLE   0 0 10
INVESCO QQQ TR UNIT SER 1 46090E103   130,036 352 SH   SOLE   0 0 352
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   254,547 5,045 SH   SOLE   0 0 5,045
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   32,883 219 SH   SOLE   0 0 219
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354   95,660 1,523 SH   SOLE   0 0 1,523
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784   78 4 SH   SOLE   0 0 4
INVESCO EXCHNG TRADED FD TR SOLAR ETF 46138G706   14,070 197 SH   SOLE   0 0 197
INVESCO EXCHANGE TRADED FD T TREAS COLATERL 46138G888   61,878 586 SH   SOLE   0 0 586
ISHARES GOLD TR ISHARES NEW 464285204   76,892 2,113 SH   SOLE   0 0 2,113
ISHARES MSCI FRNTR100ETF 464286145   268 10 SH   SOLE   0 0 10
ISHARES MIN VOL EMRG MKT 464286533   205,663 3,740 SH   SOLE   0 0 3,740
ISHARES TR TIPS BD ETF 464287176   568,829 5,285 SH   SOLE   0 0 5,285
ISHARES TR CORE S&P500 ETF 464287200   5,262,194 11,806 SH   SOLE   0 0 11,806
ISHARES TR CORE US AGGBD ET 464287226   355,363 3,628 SH   SOLE   0 0 3,628
ISHARES TR S&P 500 GRWT ETF 464287309   1,014,230 14,390 SH   SOLE   0 0 14,390
ISHARES TR GLOBAL ENERG ETF 464287341   0 0 SH   SOLE   0 0 0
ISHARES TR S&P 500 VAL ETF 464287408   1,210,306 7,508 SH   SOLE   0 0 7,508
ISHARES TR 20 YR TR BD ETF 464287432   47,352 460 SH   SOLE   0 0 460
ISHARES TR RUS MD CAP GR ETF 464287499   13,446 184 SH   SOLE   0 0 184
ISHARES TR CORE S&P MCP ETF 464287507   4,995,026 19,102 SH   SOLE   0 0 19,102
ISHARES TR ISHARES SEMICDTR 464287523   51,233 101 SH   SOLE   0 0 101
ISHARES TR RUS 2000 VAL ETF 464287630   335,244 2,381 SH   SOLE   0 0 2,381
ISHARES TR RUS 2000 GRW ETF 464287648   383,717 1,581 SH   SOLE   0 0 1,581
ISHARES TR RUSSELL 2000 ETF 464287655   88,049 470 SH   SOLE   0 0 470
ISHARES TR U.S REAL ES ETF 464287739   197,503 2,282 SH   SOLE   0 0 2,282
ISHARES TR CORE S&P SCP ETF 464287804   2,040,867 20,480 SH   SOLE   0 0 20,480
ISHARES TR CORE SMC600VL ETF 464287879   305,334 3,211 SH   SOLE   0 0 3,211
ISHARES TR SP SMCP600GR ETF 464287887   306,059 2,663 SH   SOLE   0 0 2,663
ISHARES TR INTL TREA BD ETF 464288117   75,300 1,902 SH   SOLE   0 0 1,902
ISHARES TR MSCI ACWI EX US 464288240   4,449 90 SH   SOLE   0 0 90
ISHARES TR MSCI ACWI ETF 464288257   3,379 35 SH   SOLE   0 0 35
ISHARES TR EAFE SML CP ETF 464288273   145,747 2,471 SH   SOLE   0 0 2,471
ISHARES TR JP MOR EM MK ETF 464288281   130,228 1,504 SH   SOLE   0 0 1,504
ISHARES TR MRGSTR MD CP VAL 464288406   125,450 1,969 SH   SOLE   0 0 1,969
ISHARES TR IBOXX HI YD ETF 464288513   677,905 9,030 SH   SOLE   0 0 9,030
ISHARES TR ISHARES 46428Q109   38,458 1,841 SH   SOLE   0 0 1,841
ISHARES TR CORE HIGH DV ETF 46429B663   67,937 674 SH   SOLE   0 0 674
ISHARES TR MIN VOL EAFE ETF 46429B689   14,648 217 SH   SOLE   0 0 217
ISHARES TR MSCI USA MIN VOL 46429B697   26,355 354 SH   SOLE   0 0 354
ISHARES TR 0-5 YR TIPS ETF 46429B747   744,982 7,633 SH   SOLE   0 0 7,633
ISHARES US ETF TR SHT MAT BD ETF 46431W507   123,011 2,474 SH   SOLE   0 0 2,474
ISHARES TR USA QUALITY FCTR 46432F339   254,730 1,888 SH   SOLE   0 0 1,888
ISHARES TR USA MOMENTUM FCT 46432F396   12,550 87 SH   SOLE   0 0 87
ISHARES TR CORE MSCI TOTAL 46432F834   205,913 3,288 SH   SOLE   0 0 3,288
ISHARES TR CORES MSCI EAFE 46432F842   2,840,686 42,084 SH   SOLE   0 0 42,084
ISHARES TR CORE ST USDB ETF 46432F859   74,772 1,603 SH   SOLE   0 0 1,603
ISHARES INC CORE MSCI EMKT 46434G103   1,830,169 37,130 SH   SOLE   0 0 37,130
ISHARES TR MULTIFACTOR USA 46434V282   175,967 3,949 SH   SOLE   0 0 3,949
ISHARES TR MSCI INTL MOMENT 46434V449   13,903 418 SH   SOLE   0 0 418
ISHARES TR CORE DIV GRWTH 46434V621   142,569 2,766 SH   SOLE   0 0 2,766
JPMORGAN CHASE & CO COM 46625H100   20,198 138 SH   SOLE   0 0 138
JOHN HANCOCK EXCHAGE TRADED MULTIFACTOR MI 47804J206   53,634 1,079 SH   SOLE   0 0 1,079
JOHNSON & JOHNSON COM 478160104   307,182 1,855 SH   SOLE   0 0 1,855
KEARNY FINL CORP MD COM 48716P108   212 30 SH   SOLE   0 0 30
KROGER CO COM 501044101   1,081 23 SH   SOLE   0 0 23
L3HARRIS TECHNOLOGIES INC COM 502431109   1,379 7 SH   SOLE   0 0 7
LAMB RESEARCH CORP COM 512807108   643 1 SH   SOLE   0 0 1
LAMB WESTON HLDGS INC COM 513272104   3,705 32 SH   SOLE   0 0 32
LEVI STRAUSS & CO NEW CL A COM STK 52736R102   4,329 300 SH   SOLE   0 0 300
LILLY ELI & CO COM 532457108   1,275,626 2,720 SH   SOLE   0 0 2,720
LITHIUM AMERS CORP NEW COM NEW 53680Q207   14,875 736 SH   SOLE   0 0 736
LOCKHEED MARTIN CORP COM 539830109   19,895 43 SH   SOLE   0 0 43
LOWES COS INC COM 548661107   225,700 1,000 SH   SOLE   0 0 1,000
MPLX LP COM UNIT REP LTD 55336V100   23,758 700 SH   SOLE   0 0 700
MARVELL TECHNOLOGY COM UNIT REP LTD 573874104   3,770 63 SH   SOLE   0 0 63
MICROSOFT CORP COM 594918104   1,192,352 3,501 SH   SOLE   0 0 3,501
MULLEN AUTOMOTIVE INC COM 62526P208   42 390 SH   SOLE   0 0 390
NETFLIX INC COM 64110L106   32,262 73 SH   SOLE   0 0 73
NEXTERA ENERGY INC COM 65339F101   6,992 94 SH   SOLE   0 0 94
NVIDIA CORP COM 67066G104   415,049 981 SH   SOLE   0 0 981
OCCIDENTAL PETE CORP COM 674599105   1,000 17 SH   SOLE   0 0 17
OLD DOMINION FREIGHT LINE IN COM 979580100   1,481 4 SH   SOLE   0 0 4
ON SEMICONDUCTOR CORP COM 682189105   1,702 18 SH   SOLE   0 0 18
ORACLE CORP COM 68389X105   35,012 294 SH   SOLE   0 0 294
PALO ALTO NETWORKS INC COM 697435105   1,022 4 SH   SOLE   0 0 4
PAYCHEX INC COM 704326107   22,042 197 SH   SOLE   0 0 197
PAYCOM SOFTWARE INC COM 70432V102   31,507 98 SH   SOLE   0 0 98
PEPSICO INC COM 713448108   19,819 107 SH   SOLE   0 0 107
PFIZER INC COM 717081103   87,702 2,391 SH   SOLE   0 0 2,391
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   220,666 2,354 SH   SOLE   0 0 2,354
PIMCO EFT TR 0-5 HIGH YIELD 72201R783   26,992 296 SH   SOLE   0 0 296
PROCTOR AND GAMBLE CO COM 742718109   183,680 1,210 SH   SOLE   0 0 1,210
PROLOGIS INC COM 74340W103   9,642 78 SH   SOLE   0 0 78
PROSHARES TR ULTRAPRO QQQ 74347X831   3,583 87 SH   SOLE   0 0 87
RAYTHEON TECHNOLOGIES CORP COM 75513E101   10,678 109 SH   SOLE   0 0 109
ROYAL BK CDA SUSTAINABL COM 780087102   6,399 67 SH   SOLE   0 0 67
RYDER SYS INC COM 783549108   181,111 2,136 SH   SOLE   0 0 2,136
SPDR S&P 500 ETF TR TR UNIT 78462F103   110,820 250 SH   SOLE   0 0 250
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   37,474 895 SH   SOLE   0 0 895
SPDR SER TR PRTFLO S&P500 HI 78468R788   63,889 1,723 SH   SOLE   0 0 1,723
SCHWAB CHARLES CORP COM 808513105   10,202 180 SH   SOLE   0 0 180
SCWAB STRATEGIC TR US LRG CAP ETF 808524201   2,266,050 43,270 SH   SOLE   0 0 43,270
SCWAB STRATEGIC TR US LCAP GR ETF 808524300   553,581 7,386 SH   SOLE   0 0 7,386
SCWAB STRATEGIC TR US LCAP GR ETF 808524409   477,144 7,112 SH   SOLE   0 0 7,112
SCWAB STRATEGIC TR US MID-CAP ETF 808524508   972,472 13,691 SH   SOLE   0 0 13,691
SCWAB STRATEGIC TR US SML CAP ETF 808524607   580,043 13,243 SH   SOLE   0 0 13,243
SCWAB STRATEGIC TR EMRD MKTEQ ETF 808524706   133,790 5,432 SH   SOLE   0 0 5,432
SCWAB STRATEGIC TR US DIVIDEND EQ 808524797   122,728 1,690 SH   SOLE   0 0 1,690
SCWAB STRATEGIC TR INTL EQTY ETF 808524805   572,646 16,063 SH   SOLE   0 0 16,063
SCWAB STRATEGIC TR US REIT ETF 808524847   171,532 8,783 SH   SOLE   0 0 8,783
SCWAB STRATEGIC TR SHT TM US TRES 808524862   1,391,041 28,943 SH   SOLE   0 0 28,943
SCWAB STRATEGIC TR US TIPS ETF 808524870   500,441 9,544 SH   SOLE   0 0 9,544
SCWAB STRATEGIC TR INTL SCEQT ETF 808524888   60,482 1,791 SH   SOLE   0 0 1,791
SNAP INC CL A 83304A106   12 1 SH   SOLE   0 0 1
SOUTHERN CO COM 842587107   148,066 2,107 SH   SOLE   0 0 2,107
STARBUCKS CORP COM 855244109   6,452 65 SH   SOLE   0 0 65
SYNOPSYS INC COM 871607107   54,426 125 SH   SOLE   0 0 125
T-MOBILE US INC COM 872590104   3,334 24 SH   SOLE   0 0 24
TESLA INC COM 88160R101   57,328 219 SH   SOLE   0 0 219
TORONTO DOMINION BK ONT COM NEW 891160509   620 10 SH   SOLE   0 0 10
TRUIST FINL CORP COM 89832Q109   81,247 2,677 SH   SOLE   0 0 2,677
UBER TECHNOLOGIES INC COM 90353T100   1,770 41 SH   SOLE   0 0 41
UNITED STS OIL FD LP UNITS 91232N207   55,860 879 SH   SOLE   0 0 879
UNITEDHEALTH GROUP INC COM 91324P102   42,026 87 SH   SOLE   0 0 87
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437   2,799,154 100,797 SH   SOLE   0 0 100,797
VANECK ETF TRUST MORNINGSTAR SMID 92189H730   46,962 1,568 SH   SOLE   0 0 1,568
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827   143,607 1,900 SH   SOLE   0 0 1,900
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   4,137 39 SH   SOLE   0 0 39
VANGUARD WORLD FDS UTILITIES ETF 92204A876   360 2 SH   SOLE   0 0 2
VANGUARD SCOTTSDALE FDS SHRT TMR CORP BD 92206C409   454 6 SH   SOLE   0 0 6
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,691,936 44,183 SH   SOLE   0 0 44,183
VIAD CORP COM NEW 92552R406   1,149 42 SH   SOLE   0 0 42
VIATRIS INC COM 92556V106   2,475 248 SH   SOLE   0 0 248
VISA INC COM CL A 92826C839   37,997 160 SH   SOLE   0 0 160
WABTEC COM 929740108   1,316 12 SH   SOLE   0 0 12
WALMART INC COM 931142103   89,815 571 SH   SOLE   0 0 571
WALGREENS BOOT ALLIANCE INC COM 931427108   22,792 800 SH   SOLE   0 0 800
WARNER BROS DISCOVERY INC COM SER A 934423104   4,991 398 SH   SOLE   0 0 398
WASTE MGMT INC DEL COM 94106L109   1,214 7 SH   SOLE   0 0 7
WELLS FARGO CO NEW COM 949746101   116,687 2,734 SH   SOLE   0 0 2,734
WESTLAKE CHEM PARTNERS LP COM UNIT RP LP 960417103   8,676 400 SH   SOLE   0 0 400
INVESCO LTD SHS G491BT108   16,810 1,000 SH   SOLE   0 0 1,200
MEDTRONIC PLC SHS G5960L103   52,860 600 SH   SOLE   0 0 600
CNH INDL N V SHS N20944109   2,405 167 SH   SOLE   0 0 167