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
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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   1,824 16,242 SH   SOLE   0 0 16,242
ABBVIE INC COM 00287Y109   2,614 15,694 SH   SOLE   0 0 15,694
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   355 1,320 SH   SOLE   0 0 1,320
ALLSTATE CORP COM 020002101   243 1,721 SH   SOLE   0 0 1,721
ALPHABET INC CAP STK CL A 02079K305   640 7,332 SH   SOLE   0 0 7,332
ALPHABET INC CAP STK CL C 02079K107   279 3,170 SH   SOLE   0 0 3,170
AMAZON COM INC COM 023135106   1,969 22,873 SH   SOLE   0 0 22,873
AMERICAN CENTY ETF TR US SML CP VALU 025072877   11,301 147,747 SH   SOLE   0 0 147,747
AMERICAN EXPRESS CO COM 025816109   239 1,590 SH   SOLE   0 0 1,590
AMERICAN TOWER CORP NEW COM 03027X100   212 972 SH   SOLE   0 0 972
APPLE INC COM 037833100   4,038 31,156 SH   SOLE   0 0 31,156
AT&T INC COM 00206R102   575 29,442 SH   SOLE   0 0 29,442
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,820 5,710 SH   SOLE   0 0 5,710
BERKSHIRE HATHAWAY INC DEL CL A 084670108   482 1 SH   SOLE   0 0 1
BLACKROCK INC COM 09247X101   208 282 SH   SOLE   0 0 282
BP PLC SPONSORED ADR 055622104   280 8,122 SH   SOLE   0 0 8,122
BRISTOL-MYERS SQUIBB CO COM 110122108   341 4,671 SH   SOLE   0 0 4,671
CALUMET SPECIALTY PRODS PART UT LTD PARTNER 131476103   7,033 419,653 SH   SOLE   0 0 419,653
CATERPILLAR INC COM 149123101   1,072 4,306 SH   SOLE   0 0 4,306
CHEVRON CORP NEW COM 166764100   299 1,693 SH   SOLE   0 0 1,693
CISCO SYS INC COM 17275R102   278 5,756 SH   SOLE   0 0 5,756
CLEAN HARBORS INC COM 184496107   3,167 27,525 SH   SOLE   0 0 27,525
COCA COLA CO COM 191216100   292 4,607 SH   SOLE   0 0 4,607
COSTCO WHSL CORP NEW COM 22160K105   587 1,217 SH   SOLE   0 0 1,217
CUMMINS INC COM 231021106   446 1,828 SH   SOLE   0 0 1,828
CVS HEALTH CORP COM 126650100   436 4,765 SH   SOLE   0 0 4,765
DISNEY WALT CO COM 254687106   320 3,412 SH   SOLE   0 0 3,412
ELEVANCE HEALTH INC COM 036752103   702 1,477 SH   SOLE   0 0 1,477
EXXON MOBIL CORP COM 30231G102   1,110 10,041 SH   SOLE   0 0 10,041
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   6,248 136,113 SH   SOLE   0 0 136,113
GENERAL ELECTRIC CO COM NEW 369604301   536 7,450 SH   SOLE   0 0 7,450
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230   270 5,437 SH   SOLE   0 0 5,437
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   2,861 96,108 SH   SOLE   0 0 96,108
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   880 8,820 SH   SOLE   0 0 8,820
HERITAGE CRYSTAL CLEAN INC COM 42726M106   1,987 59,866 SH   SOLE   0 0 59,866
HOME DEPOT INC COM 437076102   479 1,508 SH   SOLE   0 0 1,508
INTERNATIONAL BUSINESS MACHS COM 459200101   340 2,366 SH   SOLE   0 0 2,366
INTUITIVE SURGICAL INC COM NEW 46120E602   439 1,624 SH   SOLE   0 0 1,624
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   337 5,193 SH   SOLE   0 0 5,193
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   218 18,235 SH   SOLE   0 0 18,235
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   816 5,135 SH   SOLE   0 0 5,135
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   209 1,439 SH   SOLE   0 0 1,439
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   236 5,250 SH   SOLE   0 0 5,250
ISHARES INC CORE MSCI EMKT 46434G103   268 5,437 SH   SOLE   0 0 5,437
ISHARES TR CORE DIV GRWTH 46434V621   6,583 129,263 SH   SOLE   0 0 129,263
ISHARES TR MRGSTR SM CP GR 464288604   443 12,093 SH   SOLE   0 0 12,093
ISHARES TR BLACKROCK ULTRA 46434V878   11,101 221,550 SH   SOLE   0 0 221,550
ISHARES TR MRGSTR MD CP GRW 464288307   539 9,876 SH   SOLE   0 0 9,876
ISHARES TR MRGSTR MD CP VAL 464288406   208 3,235 SH   SOLE   0 0 3,235
ISHARES TR CORE US AGGBD ET 464287226   783 7,897 SH   SOLE   0 0 7,897
ISHARES TR MRGSTR MD CP ETF 464288208   218 3,632 SH   SOLE   0 0 3,632
ISHARES TR RUS MDCP VAL ETF 464287473   35,625 328,858 SH   SOLE   0 0 328,858
ISHARES TR S&P 500 GRWT ETF 464287309   482 8,227 SH   SOLE   0 0 8,227
ISHARES TR S&P MC 400GR ETF 464287606   1,808 26,077 SH   SOLE   0 0 26,077
ISHARES TR CORE S&P TTL STK 464287150   2,828 32,872 SH   SOLE   0 0 32,872
ISHARES TR MSCI EAFE ETF 464287465   884 12,975 SH   SOLE   0 0 12,975
ISHARES TR MORNINGSTAR VALU 464288109   210 3,243 SH   SOLE   0 0 3,243
ISHARES TR CORE 1 5 YR USD 46432F859   7,551 161,208 SH   SOLE   0 0 161,208
ISHARES TR S&P MC 400VL ETF 464287705   3,268 31,333 SH   SOLE   0 0 31,333
ISHARES TR RUSSELL 2000 ETF 464287655   250 1,410 SH   SOLE   0 0 1,410
ISHARES TR CORE S&P MCP ETF 464287507   4,222 17,024 SH   SOLE   0 0 17,024
ISHARES TR U S EQUITY FACTR 46434V282   1,991 50,445 SH   SOLE   0 0 50,445
ISHARES TR S&P 500 VAL ETF 464287408   568 3,801 SH   SOLE   0 0 3,801
ISHARES TR MORNINGSTAR GRWT 464287119   530 10,892 SH   SOLE   0 0 10,892
ISHARES TR MSCI USA MIN VOL 46429B697   3,013 41,009 SH   SOLE   0 0 41,009
ISHARES TR MSCI USA QLT FCT 46432F339   9,798 84,367 SH   SOLE   0 0 84,367
ISHARES TR NATIONAL MUN ETF 464288414   10,464 98,140 SH   SOLE   0 0 98,140
ISHARES TR SHRT NAT MUN ETF 464288158   10,455 99,960 SH   SOLE   0 0 99,960
ISHARES TR SELECT DIVID ETF 464287168   202 1,627 SH   SOLE   0 0 1,627
ISHARES TR TIPS BD ETF 464287176   226 2,095 SH   SOLE   0 0 2,095
ISHARES TR CORE S&P US VLU 464287663   44,026 605,751 SH   SOLE   0 0 605,751
ISHARES TR MSCI USA VALUE 46432F388   1,010 10,689 SH   SOLE   0 0 10,689
ISHARES TR CORE TOTAL USD 46434V613   3,796 82,729 SH   SOLE   0 0 82,729
ISHARES TR CORE S&P SCP ETF 464287804   13,052 134,502 SH   SOLE   0 0 134,502
ISHARES TR PFD AND INCM SEC 464288687   2,931 91,818 SH   SOLE   0 0 91,818
ISHARES TR CORE MSCI TOTAL 46432F834   8,414 139,700 SH   SOLE   0 0 139,700
ISHARES TR CORE S&P US GWT 464287671   29,746 364,536 SH   SOLE   0 0 364,536
ISHARES TR RUS 2000 GRW ETF 464287648   1,640 7,537 SH   SOLE   0 0 7,537
ISHARES TR RUS 2000 VAL ETF 464287630   9,233 65,060 SH   SOLE   0 0 65,060
ISHARES TR MSCI ACWI EX US 464288240   243 5,125 SH   SOLE   0 0 5,125
ISHARES TR 0-5YR HI YL CP 46434V407   3,384 81,319 SH   SOLE   0 0 81,319
ISHARES TR CORE S&P500 ETF 464287200   6,755 17,328 SH   SOLE   0 0 17,328
ISHARES TR MORNINGSTR US EQ 464287127   226 4,245 SH   SOLE   0 0 4,245
ISHARES TR RUS MD CP GR ETF 464287481   3,751 44,443 SH   SOLE   0 0 44,443
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   6,327 128,215 SH   SOLE   0 0 128,215
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   860 17,257 SH   SOLE   0 0 17,257
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   5,207 111,303 SH   SOLE   0 0 111,303
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   211 4,209 SH   SOLE   0 0 4,209
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   209 4,176 SH   SOLE   0 0 4,176
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   350 8,840 SH   SOLE   0 0 8,840
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   3,415 61,891 SH   SOLE   0 0 61,891
JOHNSON & JOHNSON COM 478160104   900 4,993 SH   SOLE   0 0 4,993
JPMORGAN CHASE & CO COM 46625H100   1,348 9,775 SH   SOLE   0 0 9,775
LABORATORY CORP AMER HLDGS COM NEW 50540R409   244 1,004 SH   SOLE   0 0 1,004
LILLY ELI & CO COM 532457108   22,396 61,707 SH   SOLE   0 0 61,707
MERCK & CO INC COM 58933Y105   346 3,015 SH   SOLE   0 0 3,015
MICROSOFT CORP COM 594918104   2,669 11,864 SH   SOLE   0 0 11,864
MONDELEZ INTL INC CL A 609207105   240 3,530 SH   SOLE   0 0 3,530
MORGAN STANLEY COM NEW 617446448   220 2,512 SH   SOLE   0 0 2,512
NIKE INC CL B 654106103   454 3,646 SH   SOLE   0 0 3,646
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100   230 16,188 SH   SOLE   0 0 16,188
NVIDIA CORPORATION COM 67066G104   225 1,513 SH   SOLE   0 0 1,513
ORACLE CORP COM 68389X105   347 4,053 SH   SOLE   0 0 4,053
PENUMBRA INC COM 70975L107   1,118 4,850 SH   SOLE   0 0 4,850
PEPSICO INC COM 713448108   1,191 6,575 SH   SOLE   0 0 6,575
PFIZER INC COM 717081103   293 5,762 SH   SOLE   0 0 5,762
PROCTER AND GAMBLE CO COM 742718109   771 5,010 SH   SOLE   0 0 5,010
PROSHARES TR PSHS ULTRUSS2000 74347R842   1,812 56,180 SH   SOLE   0 0 56,180
QUALCOMM INC COM 747525103   805 6,977 SH   SOLE   0 0 6,977
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   939 20,661 SH   SOLE   0 0 20,661
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   28,580 368,159 SH   SOLE   0 0 368,159
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   525 9,481 SH   SOLE   0 0 9,481
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   585 12,786 SH   SOLE   0 0 12,786
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,085 12,395 SH   SOLE   0 0 12,395
SPDR GOLD TR GOLD SHS 78463V107   610 3,514 SH   SOLE   0 0 3,514
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   233 7,578 SH   SOLE   0 0 7,578
SPDR S&P 500 ETF TR TR UNIT 78462F103   789 2,033 SH   SOLE   0 0 2,033
SPDR SER TR S&P 600 SMCP GRW 78464A201   3,506 47,664 SH   SOLE   0 0 47,664
SPDR SER TR S&P 600 SMCP VAL 78464A300   4,885 63,642 SH   SOLE   0 0 63,642
SPDR SER TR PORTFOLIO AGRGTE 78464A649   285 11,104 SH   SOLE   0 0 11,104
SPDR SER TR PRTFLO S&P500 GW 78464A409   881 17,384 SH   SOLE   0 0 17,384
SPDR SER TR S&P 400 MDCP VAL 78464A839   3,386 50,523 SH   SOLE   0 0 50,523
SPDR SER TR NUVEEN BLMBRG SH 78468R739   2,118 44,792 SH   SOLE   0 0 44,792
SPDR SER TR S&P 400 MDCP GRW 78464A821   1,636 24,678 SH   SOLE   0 0 24,678
SPDR SER TR S&P DIVID ETF 78464A763   235 1,833 SH   SOLE   0 0 1,833
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   3,714 89,237 SH   SOLE   0 0 89,237
STANLEY BLACK & DECKER INC COM 854502101   336 4,143 SH   SOLE   0 0 4,143
STARBUCKS CORP COM 855244109   386 3,621 SH   SOLE   0 0 3,621
TESLA INC COM 88160R101   418 3,698 SH   SOLE   0 0 3,698
TEXAS INSTRS INC COM 882508104   266 1,517 SH   SOLE   0 0 1,517
TJX COS INC NEW COM 872540109   213 2,575 SH   SOLE   0 0 2,575
UNION PAC CORP COM 907818108   771 3,636 SH   SOLE   0 0 3,636
UNITEDHEALTH GROUP INC COM 91324P102   510 1,040 SH   SOLE   0 0 1,040
VANECK ETF TRUST OIL SERVICES ETF 92189H607   510 1,670 SH   SOLE   0 0 1,670
VANGUARD BD INDEX FDS INTERMED TERM 921937819   334 4,402 SH   SOLE   0 0 4,402
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   8,614 113,642 SH   SOLE   0 0 113,642
VANGUARD INDEX FDS GROWTH ETF 922908736   375 1,750 SH   SOLE   0 0 1,750
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,600 11,471 SH   SOLE   0 0 11,471
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   653 1,832 SH   SOLE   0 0 1,832
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,612 8,602 SH   SOLE   0 0 8,602
VANGUARD INDEX FDS MID CAP ETF 922908629   1,863 8,965 SH   SOLE   0 0 8,965
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   316 3,748 SH   SOLE   0 0 3,748
VANGUARD INDEX FDS VALUE ETF 922908744   835 5,821 SH   SOLE   0 0 5,821
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,384 7,655 SH   SOLE   0 0 7,655
VANGUARD INDEX FDS SM CP VAL ETF 922908611   7,462 45,763 SH   SOLE   0 0 45,763
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   545 13,299 SH   SOLE   0 0 13,299
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   713 13,671 SH   SOLE   0 0 13,671
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   20,326 406,104 SH   SOLE   0 0 406,104
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   10,753 194,523 SH   SOLE   0 0 194,523
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   886 5,734 SH   SOLE   0 0 5,734
VANGUARD STAR FDS VG TL INTL STK F 921909768   3,896 72,512 SH   SOLE   0 0 72,512
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   393 3,548 SH   SOLE   0 0 3,548
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   4,717 65,904 SH   SOLE   0 0 65,904
VERIZON COMMUNICATIONS INC COM 92343V104   533 12,628 SH   SOLE   0 0 12,628
VISA INC COM CL A 92826C839   482 2,211 SH   SOLE   0 0 2,211
WALMART INC COM 931142103   249 1,694 SH   SOLE   0 0 1,694
WASTE CONNECTIONS INC COM 94106B101   2,892 21,775 SH   SOLE   0 0 21,775
WISDOMTREE TR US QTLY DIV GRT 97717X669   353 5,766 SH   SOLE   0 0 5,766
WISDOMTREE TR US TOTAL DIVIDND 97717W109   210 3,400 SH   SOLE   0 0 3,400
WORLD GOLD TR SPDR GLD MINIS 98149E303   264 7,110 SH   SOLE   0 0 7,110
YUM BRANDS INC COM 988498101   303 2,329 SH   SOLE   0 0 2,329