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 827,902 8,176 SH   SOLE   0 0 8,176
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 1,272,729 7,986 SH   SOLE   0 0 7,986
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 BBG001SCXK90 272,377 953 SH   SOLE   0 0 953
ADOBE SYSTEMS INCORPORATED COM 00724F101 BBG001S5NCQ5 266,291 691 SH   SOLE   0 0 691
ALLIANT ENERGY CORP COM 018802108 BBG001S8ZQ30 269,884 5,054 SH   SOLE   0 0 5,054
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 1,422,969 13,718 SH   SOLE   0 0 13,718
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 1,513,512 14,553 SH   SOLE   0 0 14,553
AMAZON COM INC COM 023135106 BBG001S5PQL7 4,025,418 38,972 SH   SOLE   0 0 38,972
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 683,492 9,229 SH   SOLE   0 0 9,229
AMGEN INC COM 031162100 BBG001S5NNL6 226,520 937 SH   SOLE   0 0 937
APPLE INC COM 037833100 BBG001S5N8V8 35,369,145 214,488 SH   SOLE   0 0 214,488
APPLIED MATLS INC COM 038222105 BBG001S5NMM7 1,923,764 15,662 SH   SOLE   0 0 15,662
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 988,923 4,442 SH   SOLE   0 0 4,442
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 242,814 8,490 SH   SOLE   0 0 8,490
BERKSHIRE HATHAWAY INC DEL CL A 084670108 BBG001S902J2 465,600 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 2,487,452 8,056 SH   SOLE   0 0 8,056
BHP GROUP LTD SPONSORED ADS 088606108 BBG001S5P5K4 270,571 4,267 SH   SOLE   0 0 4,267
BLACKROCK FLOATING RATE INCO COM 09255X100 BBG001SBM043 229,051 19,577 SH   SOLE   0 0 19,577
BLACKROCK MUNIHLDGS NY QLTY COM 09255C106 BBG001SB8M69 154,121 14,485 SH   SOLE   0 0 14,485
BLACKSTONE INC COM 09260D107 BBG001S7H949 1,205,200 13,720 SH   SOLE   0 0 13,720
BROADSTONE NET LEASE INC COM 11135E203 BBG001T61WG3 243,039 14,288 SH   SOLE   0 0 14,288
BROWN & BROWN INC COM 115236101 BBG001S5XFN0 1,925,006 33,525 SH   SOLE   0 0 33,525
CAMDEN PPTY TR SH BEN INT 133131102 BBG001S5Q6V9 209,785 2,001 SH   SOLE   0 0 2,001
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 564,534 3,460 SH   SOLE   0 0 3,460
CISCO SYS INC COM 17275R102 BBG001S6HC62 602,280 11,521 SH   SOLE   0 0 11,521
CITIZENS FINL GROUP INC COM 174610105 BBG006Q0HZT0 10,066,714 331,469 SH   SOLE   0 0 331,469
COCA COLA CO COM 191216100 BBG001S5SMQ8 413,803 6,671 SH   SOLE   0 0 6,671
COLGATE PALMOLIVE CO COM 194162103 BBG001S5PVM5 217,635 2,896 SH   SOLE   0 0 2,896
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 213,986 5,645 SH   SOLE   0 0 5,645
COMPASS INC CL A 20464U100 BBG00J5SXTJ1 797,840 247,009 SH   SOLE   0 0 247,009
CONSOLIDATED EDISON INC COM 209115104 BBG001S5QRL4 266,920 2,790 SH   SOLE   0 0 2,790
CORNING INC COM 219350105 BBG001S5RLH1 224,099 6,352 SH   SOLE   0 0 6,352
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 483,455 973 SH   SOLE   0 0 973
CREDIT ACCEP CORP MICH COM 225310101 BBG001S71KS5 318,746 731 SH   SOLE   0 0 731
CROCS INC COM 227046109 BBG001SDGFR8 5,730,767 45,324 SH   SOLE   0 0 45,324
CSX CORP COM 126408103 BBG001S5Q7Q3 266,047 8,886 SH   SOLE   0 0 8,886
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 219,661 2,956 SH   SOLE   0 0 2,956
DANAHER CORPORATION COM 235851102 BBG001S5QGT0 371,759 1,475 SH   SOLE   0 0 1,475
DARIOHEALTH CORP COM NEW 23725P209 BBG003V5PCZ5 73,542 17,850 SH   SOLE   0 0 17,850
DATADOG INC CL A COM 23804L103 BBG003NJHZW5 15,732,344 216,520 SH   SOLE   0 0 216,520
DEERE & CO COM 244199105 BBG001S5QFF7 284,888 690 SH   SOLE   0 0 690
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 BBG011DXY0L8 2,806,660 63,071 SH   SOLE   0 0 63,071
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 BBG011DXXNJ2 666,895 15,010 SH   SOLE   0 0 15,010
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 BBG012G21Y06 313,308 9,721 SH   SOLE   0 0 9,721
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 BBG01254K0G0 7,830,030 182,825 SH   SOLE   0 0 182,825
DISNEY WALT CO COM 254687106 BBG001S5QHF3 418,942 4,184 SH   SOLE   0 0 4,184
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 248,604 2,577 SH   SOLE   0 0 2,577
ELME COMMUNITIES SH BEN INT 939653101 BBG001S5XJD3 531,335 29,750 SH   SOLE   0 0 29,750
ENHABIT INC COM 29332G102 BBG014QJ5CJ8 208,650 15,000 SH   SOLE   0 0 15,000
EQUITY RESIDENTIAL SH BEN INT 29476L107 BBG001S723L9 307,140 5,119 SH   SOLE   0 0 5,119
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 2,678,007 24,421 SH   SOLE   0 0 24,421
F5 INC COM 315616102 BBG001SCP8D1 249,130 1,710 SH   SOLE   0 0 1,710
FLEXSHARES TR IBOXX 3R TARGT 33939L506 BBG00243PBY5 24,527,451 1,014,789 SH   SOLE   0 0 1,014,789
FRANKLIN BSP RLTY TR INC COMMON STOCK 35243J101 BBG013173BC4 250,101 20,964 SH   SOLE   0 0 20,964
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107 BBG01BFR8YW0 234,770 2,862 SH   SOLE   0 0 2,862
GENERAL ELECTRIC CO COM NEW 369604301 BBG001S5PVD5 821,587 8,594 SH   SOLE   0 0 8,594
GENERAL MLS INC COM 370334104 BBG001S5RKR2 432,684 5,063 SH   SOLE   0 0 5,063
GOLUB CAP BDC INC COM 38173M102 BBG001T63BY7 722,748 53,300 SH   SOLE   0 0 53,300
HERSHEY CO COM 427866108 BBG001S5S148 885,093 3,479 SH   SOLE   0 0 3,479
HOME DEPOT INC COM 437076102 BBG001S5RTW7 1,685,136 5,710 SH   SOLE   0 0 5,710
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 491,943 2,574 SH   SOLE   0 0 2,574
INTEL CORP COM 458140100 BBG001S5SF65 645,037 19,744 SH   SOLE   0 0 19,744
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 433,777 3,309 SH   SOLE   0 0 3,309
INVESCO EXCH TRADED FD TR II S&P MDCP 400 REV 46138G672 BBG00P4Y2SJ1 1,173,907 12,954 SH   SOLE   0 0 12,954
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 BBG001SSH3K8 792,089 25,543 SH   SOLE   0 0 25,543
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 BBG001SS8729 252,268 5,726 SH   SOLE   0 0 5,726
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 BBG001V18CG8 4,472,271 71,671 SH   SOLE   0 0 71,671
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 BBG006F9S8B0 832,110 37,567 SH   SOLE   0 0 37,567
INVESCO EXCH TRADED FD TR II S&P SMALLCAP 600 46138G664 BBG00P4Y2TZ1 1,088,180 9,703 SH   SOLE   0 0 9,703
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698 BBG00P4Y2QS5 14,953,743 196,501 SH   SOLE   0 0 196,501
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 2,077,901 14,368 SH   SOLE   0 0 14,368
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 BBG001S6H5N8 24,158,123 154,089 SH   SOLE   0 0 154,089
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 722,093 2,250 SH   SOLE   0 0 2,250
ISHARES INC MSCI GBL MIN VOL 464286525 BBG0025X39Q6 215,836 2,231 SH   SOLE   0 0 2,231
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 4,709,516 96,526 SH   SOLE   0 0 96,526
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 345,710 2,278 SH   SOLE   0 0 2,278
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 1,176,879 12,997 SH   SOLE   0 0 12,997
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 55,750,934 222,861 SH   SOLE   0 0 222,861
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 524,108 13,282 SH   SOLE   0 0 13,282
ISHARES TR IBONDS DEC 26 46435U259 BBG00NSLFHR9 1,375,798 53,889 SH   SOLE   0 0 53,889
ISHARES TR IBONDS DEC 28 46435U325 BBG00NX0QLT6 858,570 33,538 SH   SOLE   0 0 33,538
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 2,061,368 28,822 SH   SOLE   0 0 28,822
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 337,713 2,218 SH   SOLE   0 0 2,218
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 723,681 6,564 SH   SOLE   0 0 6,564
ISHARES TR IBONDS DEC 25 46435U432 BBG00MJW33G3 657,001 24,690 SH   SOLE   0 0 24,690
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 5,879,489 32,957 SH   SOLE   0 0 32,957
ISHARES TR S&P 100 ETF 464287101 BBG001SGB026 1,250,363 6,685 SH   SOLE   0 0 6,685
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 1,719,190 12,547 SH   SOLE   0 0 12,547
ISHARES TR IBONDS DEC 27 46435U283 BBG00NVC3ZF1 1,294,542 50,846 SH   SOLE   0 0 50,846
ISHARES TR MSCI EAFE MIN VL 46429B689 BBG0025X2WP7 2,323,710 34,349 SH   SOLE   0 0 34,349
ISHARES TR IBONDS DEC 46435U697 BBG00KDS8331 214,152 8,278 SH   SOLE   0 0 8,278
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 40,912,634 423,088 SH   SOLE   0 0 423,088
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 4,982,764 22,123 SH   SOLE   0 0 22,123
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 10,834,094 182,055 SH   SOLE   0 0 182,055
ISHARES TR IBONDS DEC2026 46435GAA0 BBG00DST7FD2 24,010,228 1,011,809 PRN   SOLE   0 0 1,011,809
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 3,828,505 32,672 SH   SOLE   0 0 32,672
ISHARES TR COHEN STEER REIT 464287564 BBG001SDX760 225,049 4,052 SH   SOLE   0 0 4,052
ISHARES TR ISHARES SEMICDTR 464287523 BBG001SJ8F58 1,956,548 4,400 SH   SOLE   0 0 4,400
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 32,896,146 452,243 SH   SOLE   0 0 452,243
ISHARES TR IBONDS 27 ETF 46435UAA9 BBG00HPLJP02 24,320,098 1,020,995 PRN   SOLE   0 0 1,020,995
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 679,273 9,715 SH   SOLE   0 0 9,715
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 29,004,767 433,878 SH   SOLE   0 0 433,878
ISHARES TR CORE HIGH DV ETF 46429B663 BBG001V0XLT8 2,216,411 21,802 SH   SOLE   0 0 21,802
ISHARES TR IBDS DEC28 ETF 46435U515 BBG00M0P3SC7 24,784,977 993,784 SH   SOLE   0 0 993,784
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 1,204,061 19,436 SH   SOLE   0 0 19,436
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 468,870 1,919 SH   SOLE   0 0 1,919
ISHARES TR IBONDS DEC 29 46436E205 BBG00Q79F703 24,668,595 1,078,173 SH   SOLE   0 0 1,078,173
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 190,005,945 462,212 SH   SOLE   0 0 462,212
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 BBG0059KNK04 2,654,096 53,510 SH   SOLE   0 0 53,510
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 7,825,314 155,511 SH   SOLE   0 0 155,511
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 BBG00M8D2458 14,607,865 287,613 SH   SOLE   0 0 287,613
JACOBS SOLUTIONS INC COM 46982L108 BBG019C1BQS3 343,717 2,925 SH   SOLE   0 0 2,925
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 2,680,105 17,291 SH   SOLE   0 0 17,291
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 1,826,963 14,020 SH   SOLE   0 0 14,020
L3HARRIS TECHNOLOGIES INC COM 502431109 BBG001S5S0N9 355,784 1,813 SH   SOLE   0 0 1,813
LILLY ELI & CO COM 532457108 BBG001S5STL8 373,985 1,089 SH   SOLE   0 0 1,089
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 804,587 1,702 SH   SOLE   0 0 1,702
LOWES COS INC COM 548661107 BBG001S5SVL3 203,370 1,017 SH   SOLE   0 0 1,017
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 2,551,866 7,022 SH   SOLE   0 0 7,022
MCDONALDS CORP COM 580135101 BBG001S5T110 683,088 2,443 SH   SOLE   0 0 2,443
MERCK & CO INC COM 58933Y105 BBG001S5TC52 1,663,727 15,638 SH   SOLE   0 0 15,638
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 753,871 3,557 SH   SOLE   0 0 3,557
MICROSOFT CORP COM 594918104 BBG001S5TD05 7,690,234 26,674 SH   SOLE   0 0 26,674
MONDELEZ INTL INC CL A 609207105 BBG001SHHZJ3 239,419 3,434 SH   SOLE   0 0 3,434
NATURA &CO HLDG S A ADS 63884N108 BBG00R4ZKQD4 240,481 46,069 SH   SOLE   0 0 46,069
NETFLIX INC COM 64110L106 BBG001SF6L46 292,622 847 SH   SOLE   0 0 847
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 1,088,370 14,120 SH   SOLE   0 0 14,120
NUVEEN FLOATING RATE INCOME COM SHS 6706EN100 BBG001SM3CC5 178,156 22,214 SH   SOLE   0 0 22,214
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 400,545 1,442 SH   SOLE   0 0 1,442
ORACLE CORP COM 68389X105 BBG001S5SJG6 713,533 7,679 SH   SOLE   0 0 7,679
OREILLY AUTOMOTIVE INC COM 67103H107 BBG001S78TL6 718,238 846 SH   SOLE   0 0 846
PEPSICO INC COM 713448108 BBG001S695T1 804,308 4,412 SH   SOLE   0 0 4,412
PFIZER INC COM 717081103 BBG001S5V466 531,461 13,026 SH   SOLE   0 0 13,026
PHENOMEX INC COM 084310101 BBG00HJ8K626 15,086 13,005 SH   SOLE   0 0 13,005
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 BBG001T618D9 2,034,625 20,500 SH   SOLE   0 0 20,500
PJT PARTNERS INC COM CL A 69343T107 BBG0079T1MP4 23,646,557 327,560 SH   SOLE   0 0 327,560
PPG INDS INC COM 693506107 BBG001S5VC13 429,193 3,213 SH   SOLE   0 0 3,213
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 1,291,939 8,689 SH   SOLE   0 0 8,689
QUALCOMM INC COM 747525103 BBG001S6VS70 218,928 1,716 SH   SOLE   0 0 1,716
RIO TINTO PLC SPONSORED ADR 767204100 BBG001SB0LX9 255,467 3,724 SH   SOLE   0 0 3,724
ROSS STORES INC COM 778296103 BBG001S5VRS1 738,029 6,954 SH   SOLE   0 0 6,954
ROYAL BK CDA SUSTAINABL COM 780087102 BBG001S60869 533,241 5,579 SH   SOLE   0 0 5,579
SALESFORCE INC COM 79466L302 BBG001SDLP09 248,926 1,246 SH   SOLE   0 0 1,246
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 1,252,452 35,990 SH   SOLE   0 0 35,990
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 268,439 5,610 SH   SOLE   0 0 5,610
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 366,968 5,631 SH   SOLE   0 0 5,631
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 447,191 6,819 SH   SOLE   0 0 6,819
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 228,625 3,125 SH   SOLE   0 0 3,125
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 387,341 2,565 SH   SOLE   0 0 2,565
SMUCKER J M CO COM NEW 832696405 BBG001S5W3H5 271,621 1,726 SH   SOLE   0 0 1,726
SOUTHERN CO COM 842587107 BBG001S5W777 392,640 5,643 SH   SOLE   0 0 5,643
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 319,353 1,743 SH   SOLE   0 0 1,743
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 53,145,889 129,817 SH   SOLE   0 0 129,817
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 BBG001S63NQ1 21,167,562 46,176 SH   SOLE   0 0 46,176
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 12,981,815 176,025 SH   SOLE   0 0 176,025
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 40,924,080 739,236 SH   SOLE   0 0 739,236
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 23,749,454 359,405 SH   SOLE   0 0 359,405
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 47,220,162 1,159,631 SH   SOLE   0 0 1,159,631
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 19,628,474 257,659 SH   SOLE   0 0 257,659
SPDR SER TR S&P 400 MDCP GRW 78464A821 BBG001SPTBN0 21,304,796 311,292 SH   SOLE   0 0 311,292
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 27,137,056 219,360 SH   SOLE   0 0 219,360
STARBUCKS CORP COM 855244109 BBG001S72KH6 270,322 2,596 SH   SOLE   0 0 2,596
SYSCO CORP COM 871829107 BBG001S5WJS8 460,214 5,959 SH   SOLE   0 0 5,959
TESLA INC COM 88160R101 BBG001SQKGD7 506,825 2,443 SH   SOLE   0 0 2,443
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 238,093 1,280 SH   SOLE   0 0 1,280
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 240,923 418 SH   SOLE   0 0 418
TJX COS INC NEW COM 872540109 BBG001S5WQ93 893,618 11,404 SH   SOLE   0 0 11,404
UNION PAC CORP COM 907818108 BBG001S5X2M0 449,615 2,234 SH   SOLE   0 0 2,234
UNITED BANKSHARES INC WEST V COM 909907107 BBG001S5WZV8 724,980 20,596 SH   SOLE   0 0 20,596
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 449,906 952 SH   SOLE   0 0 952
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 BBG001TC6MR5 970,830 10,934 SH   SOLE   0 0 10,934
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 BBG001TC6MJ4 1,261,511 14,897 SH   SOLE   0 0 14,897
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 3,063,467 8,146 SH   SOLE   0 0 8,146
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 4,521,769 54,453 SH   SOLE   0 0 54,453
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 2,147,526 11,329 SH   SOLE   0 0 11,329
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 BBG001SK3J43 500,795 3,572 SH   SOLE   0 0 3,572
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 9,069,282 44,435 SH   SOLE   0 0 44,435
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 447,339 3,239 SH   SOLE   0 0 3,239
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 936,130 5,897 SH   SOLE   0 0 5,897
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 305,788 1,413 SH   SOLE   0 0 1,413
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 354,700 1,820 SH   SOLE   0 0 1,820
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 409,987 3,058 SH   SOLE   0 0 3,058
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 792,222 3,176 SH   SOLE   0 0 3,176
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 6,838,049 169,259 SH   SOLE   0 0 169,259
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 309,368 2,832 SH   SOLE   0 0 2,832
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 1,780,391 33,297 SH   SOLE   0 0 33,297
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 55,877,959 1,168,506 SH   SOLE   0 0 1,168,506
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 1,107,402 18,917 SH   SOLE   0 0 18,917
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 945,599 6,140 SH   SOLE   0 0 6,140
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 425,117 7,700 SH   SOLE   0 0 7,700
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 20,948,248 463,765 SH   SOLE   0 0 463,765
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 1,014,277 9,614 SH   SOLE   0 0 9,614
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 459,408 11,813 SH   SOLE   0 0 11,813
VISA INC COM CL A 92826C839 BBG001SRCFY3 431,531 1,914 SH   SOLE   0 0 1,914
WALMART INC COM 931142103 BBG001S5XH92 292,246 1,982 SH   SOLE   0 0 1,982
WESTERN ASSET EMERGING MKTS COM 95766A101 BBG001SCCJM1 116,661 13,581 SH   SOLE   0 0 13,581
WISDOMTREE TR EMER MKT HIGH FD 97717W315 BBG001SV1SY8 345,662 9,130 SH   SOLE   0 0 9,130
WISDOMTREE TR US QTLY DIV GRT 97717X669 BBG004LMH3Z6 379,028 6,080 SH   SOLE   0 0 6,080
WISDOMTREE TR PUTWRITE STRAT 97717X560 BBG00C839794 417,029 13,435 SH   SOLE   0 0 13,435