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   29,005 1,648 SH   SOLE   0 0 1,648
ARK ETF TR INNOVATION ETF 00214Q104   3,456 69 SH   SOLE   0 0 69
ABBOTT LABS COM 002824100   9,138 80 SH   SOLE   0 0 80
ABBVIE INC COM 00287Y109   45,749 251 SH   SOLE   0 0 251
ADOBE INC COM 00724F101   40,368 80 SH   SOLE   0 0 80
ADVANCED MICRO DEVICES INC COM 007903107   78,874 437 SH   SOLE   0 0 437
AIRBNB INC COM CL A 009066101   1,320 8 SH   SOLE   0 0 8
AIR PRODS & CHEMS INC COM 009158106   32,485 134 SH   SOLE   0 0 134
ALBEMARLE CORP COM 012653101   13,661 103 SH   SOLE   0 0 103
ALPHABET INC CAP STK CL C 02079K107   37,304 245 SH   SOLE   0 0 245
ALPHABET INC CAP STK CL A 02079K305   322,839 2,139 SH   SOLE   0 0 2,139
AMAZON COM INC COM 023135106   578,298 3,206 SH   SOLE   0 0 3,206
AMERICAN TOWER CORP NEW COM 03027X100   4,421 22 SH   SOLE   0 0 22
APPLE INC COM 037833100   2,533,999 14,777 SH   SOLE   0 0 14,777
APPLIED MATLS INC COM 038222105   114,458 555 SH   SOLE   0 0 555
ASTRAZENECA PLC SPONSORED Adr 046353108   18,970 280 SH   SOLE   0 0 280
AUTOMATIC DATA PROCESSING INC COM 053015103   20,479 82 SH   SOLE   0 0 82
BANK AMER CORP COM 060505104   668,699 17,634 SH   SOLE   0 0 17,634
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778   165,110 5,309 SH   SOLE   0 0 5,309
BERSHIRE HATHAWAY INC DEL CL B NEW 084670702   351,975 837 SH   SOLE   0 0 837
BEST BUY INC COM 086516101   73,827 900 SH   SOLE   0 0 900
BLACKROCK INC COM 09247X101   8,422 10 SH   SOLE   0 0 10
BRISTOL-MYERS SQUIBB CO COM 110122108   27,115 500 SH   SOLE   0 0 500
BROADCOM INC COM 11135F101   75,865 57 SH   SOLE   0 0 57
CVS HEALTH GROUP COM 126650100   196,273 2,460 SH   SOLE   0 0 2,460
CADENCE DESIGN SYSTEM INC COM 127387108   77,820 250 SH   SOLE   0 0 250
CANNAE HLDGS INC COM 13765N107   22 1 SH   SOLE   0 0 1
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   50,142 1,945 SH   SOLE   0 0 1,945
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   47,377 1,481 SH   SOLE   0 0 1,481
CAPITAL GROUP CORE EQUITY ETF SHS CREATION UNI 14020V108   54,561 1,751 SH   SOLE   0 0 1,751
CARNIVAL CORP UNIT 99/99/9999 143658300   523 32 SH   SOLE   0 0 32
CELCIUS HLDGS INC COM NEW 15118V207   332 4 SH   SOLE   0 0 4
CHEVRON CORP NEW COM 166764100   43,902 278 SH   SOLE   0 0 278
COCA COLA CO COM 191216100   58,186 951 SH   SOLE   0 0 951
COINBASE GLOBAL INC COM CL A 19260Q107   530 2 SH   SOLE   0 0 2
COMCAST CORP NEW CL A 20030N101   997 23 SH   SOLE   0 0 23
CONAGRA BANDS INC COM 205887102   3,400 114 SH   SOLE   0 0 114
CORTEVA INC COM 22052L104   0 0 SH   SOLE   0 0 0
DXC TECHNOLOGY CO COM 23355L106   310 14 SH   SOLE   0 0 14
DELTA AIR LINES INC DEL COM NEW 247361702   482 10 SH   SOLE   0 0 10
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   267,832 8,862 SH   SOLE   0 0 8,862
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   118,443 2,176 SH   SOLE   0 0 2,176
DISNEY WALT CO COM DISNEY 254687106   6,241 51 SH   SOLE   0 0 51
DOLLAR GEN CORP NEW COM 256677105   27,467 176 SH   SOLE   0 0 176
DOLLAR TREE INC COM 256746108   692,380 5,200 SH   SOLE   0 0 5,200
DRAFTKINGS INC COM CL A 26142V105   4,541 100 SH   SOLE   0 0 100
DUPONT DE NEMOURS INC COM 26614N102   0 0 SH   SOLE   0 0 0
ECOLAB INC COM 278865100   3,944 17 SH   SOLE   0 0 17
ESSENTIAL PPTYS RLTY TR INC COM 29670E107   0 0 SH   SOLE   0 0 0
EXXON MOBIL CORP COM 30231G102   121,016 1,041 SH   SOLE   0 0 1,041
META PLATFORMS INC CL A 30303M102   46,900 96 SH   SOLE   0 0 96
FIDELITY COVINGTON TRUST BLUE CHIP GRWTH 316092352   552,776 14,369 SH   SOLE   0 0 14,369
FIDELITY CONVINGTON TRUST ENHANCED MID 31609A503   12,517 409 SH   SOLE   0 0 409
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   2,980,760 65,785 SH   SOLE   0 0 65,785
FIDELITY NATL INFORMATION SV COM 31620M106   65,109 877 SH   SOLE   0 0 877
FIDELITY NATIONAL FINANCIAL FNF GROUP COM 31620R303   201 3 SH   SOLE   0 0 3
FIRST TR EXCHANGE TRADED FD INTL EQUITY OPP 33734X853   54,769 1,186 SH   SOLE   0 0 1,186
FORD MTR CO DEL COM 345370860   8,503 640 SH   SOLE   0 0 640
FORTUNE BRANDS HOME & SEC IN COM 34964C106   16,934 200 SH   SOLE   0 0 200
GENERAC HLDGS INC COM 368736104   6,307 50 SH   SOLE   0 0 50
GENERAL ELECTRIC CO COM NEW 369604301   52,659 300 SH   SOLE   0 0 300
GENERAL MLS INC COM 370334104   789 11 SH   SOLE   0 0 11
GRAPHIC PACKAGING HLDG CO COM 388689101   5,976,861 204,827 SH   SOLE   0 0 204,827
HP INC COM 40434L105   6,873 227 SH   SOLE   0 0 227
HEWLETT PACKARD ENTERPRISE C COM 42824C109   3,760 212 SH   SOLE   0 0 212
HOME DEPOT INC COM 437076102   90,318 235 SH   SOLE   0 0 235
HONEYWELL INTL INC COM 438516106   12,273 59 SH   SOLE   0 0 59
IDEXX LABS INC COM 45168D104   13,498 25 SH   SOLE   0 0 25
ILLINOIS TOOL WKS INC COM 452308109   3,001 11 SH   SOLE   0 0 11
INTERNATIONAL BUSINESS MACHS COM 459200101   1,910 10 SH   SOLE   0 0 10
INVESCO QQQ TR UNIT SER 1 46090E103   191,812 432 SH   SOLE   0 0 432
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   292,408 4,839 SH   SOLE   0 0 4,839
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   37,287 220 SH   SOLE   0 0 220
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354   101,769 1,545 SH   SOLE   0 0 1,545
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784   82 4 SH   SOLE   0 0 4
INVESCO EXCHNG TRADED FD TR SOLAR ETF 46138G706   8,938 197 SH   SOLE   0 0 197
INVESCO EXCHANGE TRADED FD T TREAS COLATERL 46138G888   64,313 609 SH   SOLE   0 0 609
ISHARES GOLD TR ISHARES NEW 464285204   86,625 2,062 SH   SOLE   0 0 2,062
ISHARES MSCI FRNTR100ETF 464286145   303 10 SH   SOLE   0 0 10
ISHARES MIN VOL EMRG MKT 464286533   223,286 3,945 SH   SOLE   0 0 3,945
ISHARES TR TIPS BD ETF 464287176   641,102 5,968 SH   SOLE   0 0 5,968
ISHARES TR CORE S&P500 ETF 464287200   8,383,939 15,947 SH   SOLE   0 0 15,947
ISHARES TR CORE US AGGBD ET 464287226   357,187 3,647 SH   SOLE   0 0 3,647
ISHARES TR S&P 500 GRWT ETF 464287309   1,101,856 13,048 SH   SOLE   0 0 13,048
ISHARES TR GLOBAL ENERG ETF 464287341   0 0 SH   SOLE   0 0 0
ISHARES TR S&P 500 VAL ETF 464287408   1,310,482 7,015 SH   SOLE   0 0 7,015
ISHARES TR 20 YR TR BD ETF 464287432   43,525 460 SH   SOLE   0 0 460
ISHARES TR RUS MD CAP GR ETF 464287499   15,833 188 SH   SOLE   0 0 188
ISHARES TR CORE S&P MCP ETF 464287507   5,165,696 85,046 SH   SOLE   0 0 85,046
ISHARES TR ISHARES SEMICDTR 464287523   82,009 363 SH   SOLE   0 0 363
ISHARES TR RUS 1000 GRW ETF 464287614   86,622 257 SH   SOLE   0 0 257
ISHARES TR RUS 2000 VAL ETF 464287630   371,789 2,341 SH   SOLE   0 0 2,341
ISHARES TR RUS 2000 GRW ETF 464287648   423,184 1,562 SH   SOLE   0 0 1,562
ISHARES TR RUSSELL 2000 ETF 464287655   102,561 487 SH   SOLE   0 0 487
ISHARES TR U.S REAL ES ETF 464287739   209,763 2,333 SH   SOLE   0 0 2,333
ISHARES TR CORE S&P SCP ETF 464287804   2,374,091 21,481 SH   SOLE   0 0 21,481
ISHARES TR CORE SMC600VL ETF 464287879   325,441 3,167 SH   SOLE   0 0 3,167
ISHARES TR SP SMCP600GR ETF 464287887   323,951 2,478 SH   SOLE   0 0 2,478
ISHARES TR INTL TREA BD ETF 464288117   36,975 933 SH   SOLE   0 0 933
ISHARES TR MSCI ACWI EX US 464288240   4,894 91 SH   SOLE   0 0 91
ISHARES TR MSCI ACWI ETF 464288257   3,915 35 SH   SOLE   0 0 35
ISHARES TR EAFE SML CP ETF 464288273   169,015 2,668 SH   SOLE   0 0 2,668
ISHARES TR JP MOR EM MK ETF 464288281   115,228 1,285 SH   SOLE   0 0 1,285
ISHARES TR MRGSTR MD CP VAL 464288406   142,785 1,968 SH   SOLE   0 0 1,968
ISHARES TR IBOXX HI YD ETF 464288513   523,320 6,732 SH   SOLE   0 0 6,732
ISHARES TR ISHARES 46428Q109   42,634 1,874 SH   SOLE   0 0 1,874
ISHARES TR CORE HIGH DV ETF 46429B663   71,724 650 SH   SOLE   0 0 650
ISHARES TR MIN VOL EAFE ETF 46429B689   15,381 217 SH   SOLE   0 0 217
ISHARES TR MSCI USA MIN VOL 46429B697   35,965 430 SH   SOLE   0 0 430
ISHARES TR 0-5 YR TIPS ETF 46429B747   733,157 7,373 SH   SOLE   0 0 7,373
ISHARES US ETF TR BLACKROCK SH DUR 46431W507   104,006 2,061 SH   SOLE   0 0 2,061
ISHARES TR MSCI USA QLT FCT 46432F339   293,460 1,785 SH   SOLE   0 0 1,785
ISHARES TR MSCI USA MMENTM 46432F396   16,299 87 SH   SOLE   0 0 87
ISHARES TR CORE MSCI TOTAL 46432F834   204,878 3,019 SH   SOLE   0 0 3,019
ISHARES TR CORES MSCI EAFE 46432F842   3,136,378 42,257 SH   SOLE   0 0 42,257
ISHARES TR CORE 1 5 YR USD 46432F859   106,653 2,248 SH   SOLE   0 0 2,248
ISHARES INC CORE MSCI EMKT 46434G103   2,181,321 42,273 SH   SOLE   0 0 42,273
ISHARES TR U S EQUITY FACTR 46434V282   205,447 3,818 SH   SOLE   0 0 3,818
ISHARES TR MSCI INTL MOMENT 46434V449   20,608 525 SH   SOLE   0 0 525
ISHARES TR CORE DIV GRWTH 46434V621   265,032 4,564 SH   SOLE   0 0 4,564
JPMORGAN CHASE & CO COM 46625H100   26,882 134 SH   SOLE   0 0 134
JOHN HANCOCK EXCHAGE TRADED MULTIFACTOR MI 47804J206   96,808 1,687 SH   SOLE   0 0 1,687
JOHNSON & JOHNSON COM 478160104   303,096 1,916 SH   SOLE   0 0 1,916
KEARNY FINL CORP MD COM 48716P108   193 30 SH   SOLE   0 0 30
KENVUE INC COM 49177J102   1,061 49 SH   SOLE   0 0 49
KROGER CO COM 501044101   642 11 SH   SOLE   0 0 11
L3HARRIS TECHNOLOGIES INC COM 502431109   1,528 7 SH   SOLE   0 0 7
LAM RESEARCH CORP COM 512807108   980 1 SH   SOLE   0 0 1
LAMB WESTON HLDGS INC COM 513272104   3,465 32 SH   SOLE   0 0 32
LEVI STRAUSS & CO NEW CL A COM STK 52736R102   5,997 300 SH   SOLE   0 0 300
LILLY ELI & CO COM 532457108   2,015,871 2,591 SH   SOLE   0 0 2,591
LITHIUM AMERS CORP NEW COM SHS 53681J103   4,731 704 SH   SOLE   0 0 704
LITHIUM AMERICAS ARGENTINA C COM SHS 53681K100   3,584 665 SH   SOLE   0 0 665
LOCKHEED MARTIN CORP COM 539830109   87,026 191 SH   SOLE   0 0 191
LOWES COS INC COM 548661107   254,730 1,000 SH   SOLE   0 0 1,000
MPLX LP COM UNIT REP LTD 55336V100   29,092 700 SH   SOLE   0 0 700
MARSH & MCLENNAN COS INC COM 571748102   28,735 139 SH   SOLE   0 0 139
MARVELL TECHNOLOGY COM 573874104   5,117 72 SH   SOLE   0 0 72
MCDONALDS CORP COM 580135101   30,062 106 SH   SOLE   0 0 106
MERCK & CO INC COM 58933Y105   47,106 357 SH   SOLE   0 0 357
MICROSOFT CORP COM 594918104   1,651,394 3,925 SH   SOLE   0 0 3,925
MONDELEZ INTL INC CL A 609207105   37,245 532 SH   SOLE   0 0 532
MULLEN AUTOMOTIVE INC COM NEW 62526P406   5 1 SH   SOLE   0 0 1
NETFLIX INC COM 64110L106   54,199 89 SH   SOLE   0 0 89
NEXTERA ENERGY INC COM 65339F101   4,777 74 SH   SOLE   0 0 74
NVIDIA CORP COM 67066G104   908,249 1,005 SH   SOLE   0 0 1,005
OCCIDENTAL PETE CORP COM 674599105   590 9 SH   SOLE   0 0 9
OLD DOMINION FREIGHT LINE IN COM 979580100   1,762 8 SH   SOLE   0 0 8
ON SEMICONDUCTOR CORP COM 682189105   221 3 SH   SOLE   0 0 3
ORACLE CORP COM 68389X105   36,929 294 SH   SOLE   0 0 294
PNC FINL SVCS GROUP INC COM 693475105   17,147 106 SH   SOLE   0 0 106
PALO ALTO NETWORKS INC COM 697435105   1,421 5 SH   SOLE   0 0 5
PARKER-HANNIFIN CORP COM 701094104   3,891 7 SH   SOLE   0 0 7
PAYCHEX INC COM 704326107   24,196 197 SH   SOLE   0 0 197
PAYCOM SOFTWARE INC COM 70432V102   19,590 98 SH   SOLE   0 0 98
PEPSICO INC COM 713448108   53,903 308 SH   SOLE   0 0 308
PFIZER INC COM 717081103   66,350 2,391 SH   SOLE   0 0 2,391
PHILLIPS 66 COM 718546104   22,542 138 SH   SOLE   0 0 138
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   223,775 2,359 SH   SOLE   0 0 2,359
PROCTOR AND GAMBLE CO COM 742718109   196,050 1,208 SH   SOLE   0 0 1,208
PROLOGIS INC COM 74340W103   31,923 245 SH   SOLE   0 0 245
PROSHARES TR ULTRAPRO QQQ 74347X831   13,909 225 SH   SOLE   0 0 225
QUALCOMM INC COM 747525103   13,780 81 SH   SOLE   0 0 81
RTX CORPORATION COM 75513E101   9,863 101 SH   SOLE   0 0 101
REALTY INCOME CORP COM 756109104   13,495 249 SH   SOLE   0 0 249
ROYAL BK CDA SUSTAINABL COM 780087102   6,759 67 SH   SOLE   0 0 67
RYDER SYS INC COM 783549108   256,726 2,136 SH   SOLE   0 0 2,136
SPDR S&P 500 ETF TR TR UNIT 78462F103   176,275 337 SH   SOLE   0 0 337
SPDR SER TR PORTFOLIO S&P400 78464A847   854,217 16,014 SH   SOLE   0 0 16,014
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   15,581 370 SH   SOLE   0 0 370
SPDR SER TR PRTFLO S&P500 HI 78468R788   102,915 2,528 SH   SOLE   0 0 2,528
SALESFORCE INC COM 79466L302   3,614 12 SH   SOLE   0 0 12
SCHWAB CHARLES CORP COM 808513105   13,021 180 SH   SOLE   0 0 180
SCWAB STRATEGIC TR US LRG CAP ETF 808524201   2,633,578 42,436 SH   SOLE   0 0 42,436
SCWAB STRATEGIC TR US LCAP GR ETF 808524300   669,068 7,216 SH   SOLE   0 0 7,216
SCWAB STRATEGIC TR US LCAP GR ETF 808524409   526,313 6,927 SH   SOLE   0 0 6,927
SCWAB STRATEGIC TR US MID-CAP ETF 808524508   1,103,051 13,546 SH   SOLE   0 0 13,546
SCWAB STRATEGIC TR US SML CAP ETF 808524607   605,406 12,295 SH   SOLE   0 0 12,295
SCWAB STRATEGIC TR EMRD MKTEQ ETF 808524706   107,439 4,255 SH   SOLE   0 0 4,255
SCWAB STRATEGIC TR US DIVIDEND EQ 808524797   134,652 1,670 SH   SOLE   0 0 1,670
SCWAB STRATEGIC TR INTL EQTY ETF 808524805   586,315 15,026 SH   SOLE   0 0 15,026
SCWAB STRATEGIC TR US REIT ETF 808524847   178,295 8,783 SH   SOLE   0 0 8,783
SCWAB STRATEGIC TR SHT TM US TRES 808524862   1,593,339 33,049 SH   SOLE   0 0 33,049
SCWAB STRATEGIC TR US TIPS ETF 808524870   697,459 13,371 SH   SOLE   0 0 13,371
SCWAB STRATEGIC TR INTL SCEQT ETF 808524888   48,258 1,348 SH   SOLE   0 0 1,348
SEMPRA COM 816851109   23,417 326 SH   SOLE   0 0 326
SNAP INC CL A 83304A106   115 10 SH   SOLE   0 0 10
SOUTHERN CO COM 842587107   144,943 2,020 SH   SOLE   0 0 2,020
STARBUCKS CORP COM 855244109   30,365 332 SH   SOLE   0 0 332
SYNOPSYS INC COM 871607107   71,438 125 SH   SOLE   0 0 125
T-MOBILE US INC COM 872590104   2,139 13 SH   SOLE   0 0 13
TESLA INC COM 88160R101   74,183 422 SH   SOLE   0 0 422
TEXAS INSTRS INC COM 882508104   24,058 138 SH   SOLE   0 0 138
TORONTO DOMINION BK ONT COM NEW 891160509   604 10 SH   SOLE   0 0 10
TRANSDIGM GROUP INC COM 893641100   3,695 3 SH   SOLE   0 0 3
TRAVELERS COMPANIES INC COM 89417E109   25,427 110 SH   SOLE   0 0 110
TRUIST FINL CORP COM 89832Q109   96,709 2,481 SH   SOLE   0 0 2,481
US BANKCORP DEL COM NEW 902973304   19,985 447 SH   SOLE   0 0 447
UBER TECHNOLOGIES INC COM 90353T100   2,618 34 SH   SOLE   0 0 34
UNITED STS OIL FD LP UNITS 91232N207   86,682 1,101 SH   SOLE   0 0 1,101
UNITEDHEALTH GROUP INC COM 91324P102   44,597 90 SH   SOLE   0 0 90
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437   3,763,187 129,675 SH   SOLE   0 0 129,675
VANECK ETF TRUST MORNINGSTAR SMID 92189H730   19,157 561 SH   SOLE   0 0 561
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827   84,874 1,107 SH   SOLE   0 0 1,107
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   785,202 15,650 SH   SOLE   0 0 15,650
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   4,719 39 SH   SOLE   0 0 39
VANGUARD SCOTTSDALE FDS SHRT TMR CORP BD 92206C409   464 6 SH   SOLE   0 0 6
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   4,194,731 48,505 SH   SOLE   0 0 48,505
VIAD CORP COM NEW 92552R406   1,688 42 SH   SOLE   0 0 42
VIATRIS INC COM 92556V106   2,961 248 SH   SOLE   0 0 248
VISA INC COM CL A 92826C839   44,430 159 SH   SOLE   0 0 159
WABTEC COM 929740108   1,748 12 SH   SOLE   0 0 12
WALMART INC COM 931142103   110,522 1,836 SH   SOLE   0 0 1,836
WALGREENS BOOT ALLIANCE INC COM 931427108   17,352 800 SH   SOLE   0 0 800
WARNER BROS DISCOVERY INC COM SER A 934423104   3,475 398 SH   SOLE   0 0 398
WASTE MGMT INC DEL COM 94106L109   1,918 9 SH   SOLE   0 0 9
WELLS FARGO CO NEW COM 949746101   158,463 2,734 SH   SOLE   0 0 2,734
EATON CORP PLC SHS G29183103   38,261 122 SH   SOLE   0 0 122
INVESCO LTD SHS G491BT108   16,590 1,000 SH   SOLE   0 0 1,200
MEDTRONIC PLC SHS G5960L103   52,290 600 SH   SOLE   0 0 600
CNH INDL N V SHS N20944109   2,164 167 SH   SOLE   0 0 167