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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 1,766 16,252 SH   SOLE   0 0 16,252
ABBVIE INC COM 00287Y109 2,400 15,735 SH   SOLE   0 0 15,735
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 371 1,344 SH   SOLE   0 0 1,344
AIRBNB INC COM CL A 009066101 209 2,245 SH   SOLE   0 0 2,245
ALLSTATE CORP COM 020002101 226 1,725 SH   SOLE   0 0 1,725
ALPHABET INC CAP STK CL A 02079K305 868 379 SH   SOLE   0 0 379
ALPHABET INC CAP STK CL C 02079K107 366 159 SH   SOLE   0 0 159
AMAZON COM INC COM 023135106 2,343 20,495 SH   SOLE   0 0 20,495
AMERICAN CENTY ETF TR US SML CP VALU 025072877 4,707 69,819 SH   SOLE   0 0 69,819
AMERICAN EXPRESS CO COM 025816109 223 1,617 SH   SOLE   0 0 1,617
AMERICAN TOWER CORP NEW COM 03027X100 276 1,068 SH   SOLE   0 0 1,068
APPLE INC COM 037833100 4,356 30,478 SH   SOLE   0 0 30,478
AT&T INC COM 00206R102 755 35,792 SH   SOLE   0 0 35,792
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,574 5,710 SH   SOLE   0 0 5,710
BERKSHIRE HATHAWAY INC DEL CL A 084670108 414 1 SH   SOLE   0 0 1
BP PLC SPONSORED ADR 055622104 217 8,135 SH   SOLE   0 0 8,135
BRISTOL-MYERS SQUIBB CO COM 110122108 356 4,674 SH   SOLE   0 0 4,674
CALUMET SPECIALTY PRODS PART UT LTD PARTNER 131476103 1,044 120,878 SH   SOLE   0 0 120,878
CATERPILLAR INC COM 149123101 740 4,297 SH   SOLE   0 0 4,297
CHEVRON CORP NEW COM 166764100 248 1,759 SH   SOLE   0 0 1,759
CISCO SYS INC COM 17275R102 253 5,930 SH   SOLE   0 0 5,930
CLEAN HARBORS INC COM 184496107 4,648 53,775 SH   SOLE   0 0 53,775
COCA COLA CO COM 191216100 281 4,438 SH   SOLE   0 0 4,438
COSTCO WHSL CORP NEW COM 22160K105 593 1,204 SH   SOLE   0 0 1,204
CUMMINS INC COM 231021106 356 1,832 SH   SOLE   0 0 1,832
CVS HEALTH CORP COM 126650100 468 5,019 SH   SOLE   0 0 5,019
DISNEY WALT CO COM 254687106 329 3,427 SH   SOLE   0 0 3,427
ELEVANCE HEALTH INC COM 036752103 754 1,556 SH   SOLE   0 0 1,556
EXXON MOBIL CORP COM 30231G102 829 9,951 SH   SOLE   0 0 9,951
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 1,634 34,908 SH   SOLE   0 0 34,908
GENERAL ELECTRIC CO COM NEW 369604301 465 7,559 SH   SOLE   0 0 7,559
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230 464 9,307 SH   SOLE   0 0 9,307
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 407 14,930 SH   SOLE   0 0 14,930
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 1,414 14,162 SH   SOLE   0 0 14,162
HERITAGE CRYSTAL CLEAN INC COM 42726M106 1,588 59,866 SH   SOLE   0 0 59,866
HOME DEPOT INC COM 437076102 451 1,591 SH   SOLE   0 0 1,591
INTEL CORP COM 458140100 399 10,793 SH   SOLE   0 0 10,793
INTERNATIONAL BUSINESS MACHS COM 459200101 306 2,219 SH   SOLE   0 0 2,219
INTUITIVE SURGICAL INC COM NEW 46120E602 332 1,616 SH   SOLE   0 0 1,616
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 324 5,193 SH   SOLE   0 0 5,193
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 1,041 6,991 SH   SOLE   0 0 6,991
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 210 4,957 SH   SOLE   0 0 4,957
ISHARES INC CORE MSCI EMKT 46434G103 261 5,432 SH   SOLE   0 0 5,432
ISHARES TR MRGSTR MD CP ETF 464288208 207 3,632 SH   SOLE   0 0 3,632
ISHARES TR CORE S&P TTL STK 464287150 2,785 32,759 SH   SOLE   0 0 32,759
ISHARES TR MSCI USA VALUE 46432F388 1,125 12,428 SH   SOLE   0 0 12,428
ISHARES TR CORE DIV GRWTH 46434V621 4,114 85,749 SH   SOLE   0 0 85,749
ISHARES TR CORE US AGGBD ET 464287226 909 8,922 SH   SOLE   0 0 8,922
ISHARES TR BLACKROCK ULTRA 46434V878 21,938 438,676 SH   SOLE   0 0 438,676
ISHARES TR RUS MDCP VAL ETF 464287473 34,878 340,737 SH   SOLE   0 0 340,737
ISHARES TR MRGSTR SM CP GR 464288604 437 12,093 SH   SOLE   0 0 12,093
ISHARES TR MRGSTR MD CP GRW 464288307 526 9,876 SH   SOLE   0 0 9,876
ISHARES TR S&P MC 400GR ETF 464287606 390 6,056 SH   SOLE   0 0 6,056
ISHARES TR S&P 500 GRWT ETF 464287309 768 12,368 SH   SOLE   0 0 12,368
ISHARES TR CORE S&P MCP ETF 464287507 3,973 17,473 SH   SOLE   0 0 17,473
ISHARES TR U S EQUITY FACTR 46434V282 2,114 54,864 SH   SOLE   0 0 54,864
ISHARES TR S&P 500 VAL ETF 464287408 866 6,273 SH   SOLE   0 0 6,273
ISHARES TR RUSSELL 2000 ETF 464287655 204 1,191 SH   SOLE   0 0 1,191
ISHARES TR CORE MSCI EAFE 46432F842 424 7,343 SH   SOLE   0 0 7,343
ISHARES TR CORE 1 5 YR USD 46432F859 8,823 186,141 SH   SOLE   0 0 186,141
ISHARES TR S&P MC 400VL ETF 464287705 1,838 19,488 SH   SOLE   0 0 19,488
ISHARES TR MSCI EAFE ETF 464287465 1,069 17,418 SH   SOLE   0 0 17,418
ISHARES TR RUS MD CP GR ETF 464287481 2,386 29,363 SH   SOLE   0 0 29,363
ISHARES TR CORE S&P500 ETF 464287200 6,961 18,067 SH   SOLE   0 0 18,067
ISHARES TR MORNINGSTR US EQ 464287127 224 4,245 SH   SOLE   0 0 4,245
ISHARES TR MSCI USA MIN VOL 46429B697 4,164 58,423 SH   SOLE   0 0 58,423
ISHARES TR MSCI USA QLT FCT 46432F339 7,661 67,379 SH   SOLE   0 0 67,379
ISHARES TR TIPS BD ETF 464287176 243 2,131 SH   SOLE   0 0 2,131
ISHARES TR MORNINGSTAR GRWT 464287119 561 10,892 SH   SOLE   0 0 10,892
ISHARES TR MSCI USA SMCP MN 46435G433 224 6,477 SH   SOLE   0 0 6,477
ISHARES TR SHRT NAT MUN ETF 464288158 8,784 83,812 SH   SOLE   0 0 83,812
ISHARES TR NATIONAL MUN ETF 464288414 12,489 116,675 SH   SOLE   0 0 116,675
ISHARES TR CORE TOTAL USD 46434V613 4,490 95,799 SH   SOLE   0 0 95,799
ISHARES TR SP SMCP600VL ETF 464287879 270 3,060 SH   SOLE   0 0 3,060
ISHARES TR RUS 2000 GRW ETF 464287648 2,405 11,478 SH   SOLE   0 0 11,478
ISHARES TR CORE MSCI TOTAL 46432F834 8,657 154,774 SH   SOLE   0 0 154,774
ISHARES TR RUS 2000 VAL ETF 464287630 3,575 26,047 SH   SOLE   0 0 26,047
ISHARES TR MSCI ACWI EX US 464288240 227 5,153 SH   SOLE   0 0 5,153
ISHARES TR CORE S&P SCP ETF 464287804 12,644 136,986 SH   SOLE   0 0 136,986
ISHARES TR CORE S&P US VLU 464287663 27,097 403,644 SH   SOLE   0 0 403,644
ISHARES TR CORE S&P US GWT 464287671 19,884 231,619 SH   SOLE   0 0 231,619
ISHARES TR PFD AND INCM SEC 464288687 1,839 56,172 SH   SOLE   0 0 56,172
ISHARES TR 0-5YR HI YL CP 46434V407 256 6,328 SH   SOLE   0 0 6,328
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 8,052 163,599 SH   SOLE   0 0 163,599
ISHARES U S ETF TR BLACKROCK SHORT 46431W838 640 12,870 SH   SOLE   0 0 12,870
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 2,776 57,513 SH   SOLE   0 0 57,513
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 209 4,167 SH   SOLE   0 0 4,167
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 1,144 20,632 SH   SOLE   0 0 20,632
JOHNSON & JOHNSON COM 478160104 962 5,395 SH   SOLE   0 0 5,395
JPMORGAN CHASE & CO COM 46625H100 1,117 9,985 SH   SOLE   0 0 9,985
LABORATORY CORP AMER HLDGS COM NEW 50540R409 245 1,004 SH   SOLE   0 0 1,004
LILLY ELI & CO COM 532457108 20,473 62,010 SH   SOLE   0 0 62,010
LOCKHEED MARTIN CORP COM 539830109 231 543 SH   SOLE   0 0 543
MERCK & CO INC COM 58933Y105 311 3,336 SH   SOLE   0 0 3,336
MICROSOFT CORP COM 594918104 3,352 12,590 SH   SOLE   0 0 12,590
MONDELEZ INTL INC CL A 609207105 221 3,538 SH   SOLE   0 0 3,538
MORGAN STANLEY COM NEW 617446448 202 2,683 SH   SOLE   0 0 2,683
NIKE INC CL B 654106103 379 3,638 SH   SOLE   0 0 3,638
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100 230 16,188 SH   SOLE   0 0 16,188
NVIDIA CORPORATION COM 67066G104 239 1,578 SH   SOLE   0 0 1,578
ORACLE CORP COM 68389X105 302 4,218 SH   SOLE   0 0 4,218
PENUMBRA INC COM 70975L107 608 4,850 SH   SOLE   0 0 4,850
PEPSICO INC COM 713448108 1,137 6,663 SH   SOLE   0 0 6,663
PFIZER INC COM 717081103 301 5,709 SH   SOLE   0 0 5,709
PROCTER AND GAMBLE CO COM 742718109 711 4,871 SH   SOLE   0 0 4,871
PROSHARES TR PSHS ULTRUSS2000 74347R842 1,132 35,842 SH   SOLE   0 0 35,842
QUALCOMM INC COM 747525103 909 7,155 SH   SOLE   0 0 7,155
SALESFORCE INC COM 79466L302 226 1,307 SH   SOLE   0 0 1,307
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 907 20,182 SH   SOLE   0 0 20,182
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 573 12,634 SH   SOLE   0 0 12,634
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 734 12,230 SH   SOLE   0 0 12,230
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 21,934 305,324 SH   SOLE   0 0 305,324
SELECT SECTOR SPDR TR ENERGY 81369Y506 732 10,683 SH   SOLE   0 0 10,683
SPDR GOLD TR GOLD SHS 78463V107 564 3,480 SH   SOLE   0 0 3,480
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 214 7,578 SH   SOLE   0 0 7,578
SPDR S&P 500 ETF TR TR UNIT 78462F103 992 2,588 SH   SOLE   0 0 2,588
SPDR SER TR S&P 600 SMCP VAL 78464A300 3,491 48,635 SH   SOLE   0 0 48,635
SPDR SER TR S&P 600 SMCP GRW 78464A201 1,125 15,832 SH   SOLE   0 0 15,832
SPDR SER TR PORTFOLIO AGRGTE 78464A649 308 11,673 SH   SOLE   0 0 11,673
SPDR SER TR PRTFLO S&P500 GW 78464A409 393 7,307 SH   SOLE   0 0 7,307
SPDR SER TR S&P 400 MDCP VAL 78464A839 3,167 52,341 SH   SOLE   0 0 52,341
SPDR SER TR NUVEEN BLMBRG SH 78468R739 1,421 29,955 SH   SOLE   0 0 29,955
SPDR SER TR S&P 400 MDCP GRW 78464A821 1,180 19,164 SH   SOLE   0 0 19,164
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 854 20,595 SH   SOLE   0 0 20,595
STARBUCKS CORP COM 855244109 291 3,689 SH   SOLE   0 0 3,689
TESLA INC COM 88160R101 438 630 SH   SOLE   0 0 630
TEXAS INSTRS INC COM 882508104 230 1,523 SH   SOLE   0 0 1,523
UNION PAC CORP COM 907818108 774 3,692 SH   SOLE   0 0 3,692
UNITEDHEALTH GROUP INC COM 91324P102 551 1,070 SH   SOLE   0 0 1,070
VANECK ETF TRUST OIL SERVICES ETF 92189H607 341 1,621 SH   SOLE   0 0 1,621
VANGUARD BD INDEX FDS INTERMED TERM 921937819 343 4,402 SH   SOLE   0 0 4,402
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 7,760 100,983 SH   SOLE   0 0 100,983
VANGUARD INDEX FDS GROWTH ETF 922908736 631 2,741 SH   SOLE   0 0 2,741
VANGUARD INDEX FDS VALUE ETF 922908744 354 2,684 SH   SOLE   0 0 2,684
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 763 2,165 SH   SOLE   0 0 2,165
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,138 8,752 SH   SOLE   0 0 8,752
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,019 5,724 SH   SOLE   0 0 5,724
VANGUARD INDEX FDS MID CAP ETF 922908629 1,300 6,510 SH   SOLE   0 0 6,510
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,058 5,887 SH   SOLE   0 0 5,887
VANGUARD INDEX FDS SM CP VAL ETF 922908611 6,197 41,335 SH   SOLE   0 0 41,335
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 606 14,865 SH   SOLE   0 0 14,865
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 665 13,584 SH   SOLE   0 0 13,584
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 20,633 410,603 SH   SOLE   0 0 410,603
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 814 5,616 SH   SOLE   0 0 5,616
VANGUARD STAR FDS VG TL INTL STK F 921909768 3,917 77,489 SH   SOLE   0 0 77,489
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 310 3,049 SH   SOLE   0 0 3,049
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 766 11,212 SH   SOLE   0 0 11,212
VERIZON COMMUNICATIONS INC COM 92343V104 773 15,007 SH   SOLE   0 0 15,007
VISA INC COM CL A 92826C839 444 2,206 SH   SOLE   0 0 2,206
WALMART INC COM 931142103 351 2,806 SH   SOLE   0 0 2,806
WORLD GOLD TR SPDR GLD MINIS 98149E204 276 7,979 SH   SOLE   0 0 7,979
YUM BRANDS INC COM 988498101 278 2,381 SH   SOLE   0 0 2,381
ZYMERGEN INC COM 98985X100 33 22,165 SH   SOLE   0 0 22,165