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   1,684 16,242 SH   SOLE   0 0 16,242
ABBVIE INC COM 00287Y109   2,511 15,568 SH   SOLE   0 0 15,568
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   372 1,320 SH   SOLE   0 0 1,320
ALPHABET INC CAP STK CL A 02079K305   780 7,332 SH   SOLE   0 0 7,332
ALPHABET INC CAP STK CL C 02079K107   339 3,170 SH   SOLE   0 0 3,170
AMAZON COM INC COM 023135106   765 7,488 SH   SOLE   0 0 7,488
AMERICAN CENTY ETF TR US SML CP VALU 025072877   19,816 270,856 SH   SOLE   0 0 270,856
AMERICAN EXPRESS CO COM 025816109   256 1,590 SH   SOLE   0 0 1,590
AMERICAN TOWER CORP NEW COM 03027X100   203 972 SH   SOLE   0 0 972
ANALOG DEVICES INC COM 032654105   209 1,092 SH   SOLE   0 0 1,092
APPLE INC COM 037833100   5,038 31,091 SH   SOLE   0 0 31,091
AT&T INC COM 00206R102   565 28,892 SH   SOLE   0 0 28,892
BERKSHIRE HATHAWAY INC DEL CL A 084670108   477 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,788 5,720 SH   SOLE   0 0 5,720
BP PLC SPONSORED ADR 055622104   322 8,122 SH   SOLE   0 0 8,122
BRISTOL-MYERS SQUIBB CO COM 110122108   328 4,671 SH   SOLE   0 0 4,671
CALUMET SPECIALTY PRODS PART UT LTD PARTNER 131476103   7,075 419,653 SH   SOLE   0 0 419,653
CATERPILLAR INC COM 149123101   920 4,268 SH   SOLE   0 0 4,268
CHEVRON CORP NEW COM 166764100   286 1,698 SH   SOLE   0 0 1,698
CISCO SYS INC COM 17275R102   296 5,766 SH   SOLE   0 0 5,766
CLEAN HARBORS INC COM 184496107   3,772 27,525 SH   SOLE   0 0 27,525
COCA COLA CO COM 191216100   289 4,607 SH   SOLE   0 0 4,607
COSTCO WHSL CORP NEW COM 22160K105   601 1,217 SH   SOLE   0 0 1,217
CUMMINS INC COM 231021106   413 1,828 SH   SOLE   0 0 1,828
CVS HEALTH CORP COM 126650100   354 4,650 SH   SOLE   0 0 4,650
DISNEY WALT CO COM 254687106   336 3,332 SH   SOLE   0 0 3,332
ELEVANCE HEALTH INC COM 036752103   716 1,477 SH   SOLE   0 0 1,477
EXXON MOBIL CORP COM 30231G102   1,149 10,027 SH   SOLE   0 0 10,027
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   11,010 238,363 SH   SOLE   0 0 238,363
GENERAL ELECTRIC CO COM NEW 369604301   700 7,413 SH   SOLE   0 0 7,413
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   4,698 151,550 SH   SOLE   0 0 151,550
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   808 8,092 SH   SOLE   0 0 8,092
HERITAGE CRYSTAL CLEAN INC COM 42726M106   2,068 59,866 SH   SOLE   0 0 59,866
HOME DEPOT INC COM 437076102   402 1,380 SH   SOLE   0 0 1,380
I-80 GOLD CORP COM 44955L106   57 22,500 SH   SOLE   0 0 22,500
INTERNATIONAL BUSINESS MACHS COM 459200101   310 2,366 SH   SOLE   0 0 2,366
INTUITIVE SURGICAL INC COM NEW 46120E602   401 1,550 SH   SOLE   0 0 1,550
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   329 5,193 SH   SOLE   0 0 5,193
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   209 18,070 SH   SOLE   0 0 18,070
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   808 5,135 SH   SOLE   0 0 5,135
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   241 1,672 SH   SOLE   0 0 1,672
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   249 5,250 SH   SOLE   0 0 5,250
ISHARES INC CORE MSCI EMKT 46434G103   234 4,780 SH   SOLE   0 0 4,780
ISHARES TR CORE DIV GRWTH 46434V621   7,307 145,294 SH   SOLE   0 0 145,294
ISHARES TR PFD AND INCM SEC 464288687   3,498 112,643 SH   SOLE   0 0 112,643
ISHARES TR BLACKROCK ULTRA 46434V878   7,935 158,197 SH   SOLE   0 0 158,197
ISHARES TR MRGSTR MD CP ETF 464288208   217 3,632 SH   SOLE   0 0 3,632
ISHARES TR CORE S&P TTL STK 464287150   2,924 32,379 SH   SOLE   0 0 32,379
ISHARES TR MRGSTR SM CP GR 464288604   466 12,093 SH   SOLE   0 0 12,093
ISHARES TR CORE US AGGBD ET 464287226   588 5,896 SH   SOLE   0 0 5,896
ISHARES TR MRGSTR MD CP GRW 464288307   558 9,876 SH   SOLE   0 0 9,876
ISHARES TR RUS MDCP VAL ETF 464287473   34,365 325,981 SH   SOLE   0 0 325,981
ISHARES TR S&P 500 GRWT ETF 464287309   487 7,606 SH   SOLE   0 0 7,606
ISHARES TR S&P MC 400GR ETF 464287606   1,634 23,070 SH   SOLE   0 0 23,070
ISHARES TR CORE 1 5 YR USD 46432F859   6,829 144,899 SH   SOLE   0 0 144,899
ISHARES TR S&P MC 400VL ETF 464287705   3,194 31,618 SH   SOLE   0 0 31,618
ISHARES TR MSCI EAFE ETF 464287465   933 12,975 SH   SOLE   0 0 12,975
ISHARES TR RUS MID CAP ETF 464287499   237 3,429 SH   SOLE   0 0 3,429
ISHARES TR CORE S&P MCP ETF 464287507   4,068 16,486 SH   SOLE   0 0 16,486
ISHARES TR U S EQUITY FACTR 46434V282   1,930 46,733 SH   SOLE   0 0 46,733
ISHARES TR S&P 500 VAL ETF 464287408   576 3,801 SH   SOLE   0 0 3,801
ISHARES TR RUSSELL 2000 ETF 464287655   247 1,408 SH   SOLE   0 0 1,408
ISHARES TR MSCI USA MIN VOL 46429B697   2,664 36,266 SH   SOLE   0 0 36,266
ISHARES TR MSCI USA QLT FCT 46432F339   11,333 91,325 SH   SOLE   0 0 91,325
ISHARES TR NATIONAL MUN ETF 464288414   10,581 97,961 SH   SOLE   0 0 97,961
ISHARES TR SHRT NAT MUN ETF 464288158   10,446 99,674 SH   SOLE   0 0 99,674
ISHARES TR TIPS BD ETF 464287176   231 2,095 SH   SOLE   0 0 2,095
ISHARES TR MORNINGSTAR GRWT 464287119   598 10,892 SH   SOLE   0 0 10,892
ISHARES TR MSCI ACWI EX US 464288240   251 5,125 SH   SOLE   0 0 5,125
ISHARES TR RUS 2000 VAL ETF 464287630   5,609 41,594 SH   SOLE   0 0 41,594
ISHARES TR MSCI USA VALUE 46432F388   993 10,689 SH   SOLE   0 0 10,689
ISHARES TR CORE TOTAL USD 46434V613   3,227 69,918 SH   SOLE   0 0 69,918
ISHARES TR CORE S&P SCP ETF 464287804   11,910 124,882 SH   SOLE   0 0 124,882
ISHARES TR RUS 2000 GRW ETF 464287648   760 3,400 SH   SOLE   0 0 3,400
ISHARES TR CORE MSCI TOTAL 46432F834   8,449 135,903 SH   SOLE   0 0 135,903
ISHARES TR CORE S&P US VLU 464287663   44,993 611,149 SH   SOLE   0 0 611,149
ISHARES TR CORE S&P US GWT 464287671   33,567 377,030 SH   SOLE   0 0 377,030
ISHARES TR MORNINGSTAR VALU 464288109   208 3,243 SH   SOLE   0 0 3,243
ISHARES TR CORE S&P500 ETF 464287200   7,207 17,515 SH   SOLE   0 0 17,515
ISHARES TR MORNINGSTR US EQ 464287127   239 4,245 SH   SOLE   0 0 4,245
ISHARES TR RUS MD CP GR ETF 464287481   3,040 33,915 SH   SOLE   0 0 33,915
ISHARES TR 0-5YR HI YL CP 46434V407   4,746 114,988 SH   SOLE   0 0 114,988
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   5,860 118,356 SH   SOLE   0 0 118,356
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   2,592 51,966 SH   SOLE   0 0 51,966
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   10,220 215,062 SH   SOLE   0 0 215,062
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   213 4,233 SH   SOLE   0 0 4,233
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   359 8,695 SH   SOLE   0 0 8,695
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   211 4,146 SH   SOLE   0 0 4,146
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   4,125 75,753 SH   SOLE   0 0 75,753
JOHNSON & JOHNSON COM 478160104   819 4,982 SH   SOLE   0 0 4,982
JPMORGAN CHASE & CO COM 46625H100   1,209 9,454 SH   SOLE   0 0 9,454
LABORATORY CORP AMER HLDGS COM NEW 50540R409   233 1,004 SH   SOLE   0 0 1,004
LILLY ELI & CO COM 532457108   22,409 61,059 SH   SOLE   0 0 61,059
MERCK & CO INC COM 58933Y105   325 2,890 SH   SOLE   0 0 2,890
MICROSOFT CORP COM 594918104   3,477 12,015 SH   SOLE   0 0 12,015
MONDELEZ INTL INC CL A 609207105   249 3,530 SH   SOLE   0 0 3,530
MORGAN STANLEY COM NEW 617446448   211 2,512 SH   SOLE   0 0 2,512
NIKE INC CL B 654106103   425 3,486 SH   SOLE   0 0 3,486
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100   231 16,188 SH   SOLE   0 0 16,188
NVIDIA CORPORATION COM 67066G104   375 1,359 SH   SOLE   0 0 1,359
ORACLE CORP COM 68389X105   356 3,801 SH   SOLE   0 0 3,801
PACER FDS TR US CASH COWS 100 69374H881   6,005 126,626 SH   SOLE   0 0 126,626
PEPSICO INC COM 713448108   1,205 6,575 SH   SOLE   0 0 6,575
PFIZER INC COM 717081103   241 5,768 SH   SOLE   0 0 5,768
PROCTER AND GAMBLE CO COM 742718109   751 4,976 SH   SOLE   0 0 4,976
PROSHARES TR PSHS ULTRUSS2000 74347R842   1,320 42,785 SH   SOLE   0 0 42,785
QUALCOMM INC COM 747525103   866 6,967 SH   SOLE   0 0 6,967
SALESFORCE INC COM 79466L302   218 1,138 SH   SOLE   0 0 1,138
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   960 20,094 SH   SOLE   0 0 20,094
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   610 12,634 SH   SOLE   0 0 12,634
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   26,089 356,257 SH   SOLE   0 0 356,257
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   603 9,296 SH   SOLE   0 0 9,296
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,045 12,200 SH   SOLE   0 0 12,200
SPDR GOLD TR GOLD SHS 78463V107   651 3,515 SH   SOLE   0 0 3,515
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   244 7,578 SH   SOLE   0 0 7,578
SPDR S&P 500 ETF TR TR UNIT 78462F103   751 1,834 SH   SOLE   0 0 1,834
SPDR SER TR S&P 600 SMCP VAL 78464A300   4,179 55,630 SH   SOLE   0 0 55,630
SPDR SER TR S&P 600 SMCP GRW 78464A201   3,436 47,340 SH   SOLE   0 0 47,340
SPDR SER TR PRTFLO S&P500 GW 78464A409   995 17,929 SH   SOLE   0 0 17,929
SPDR SER TR PORTFOLIO AGRGTE 78464A649   263 10,198 SH   SOLE   0 0 10,198
SPDR SER TR S&P 400 MDCP VAL 78464A839   3,214 49,448 SH   SOLE   0 0 49,448
SPDR SER TR NUVEEN BLMBRG SH 78468R739   2,121 44,556 SH   SOLE   0 0 44,556
SPDR SER TR PORTFOLIO S&P500 78464A854   488 10,127 SH   SOLE   0 0 10,127
SPDR SER TR S&P DIVID ETF 78464A763   226 1,833 SH   SOLE   0 0 1,833
SPDR SER TR S&P 400 MDCP GRW 78464A821   2,015 29,723 SH   SOLE   0 0 29,723
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   5,119 123,937 SH   SOLE   0 0 123,937
STANLEY BLACK & DECKER INC COM 854502101   321 4,143 SH   SOLE   0 0 4,143
STARBUCKS CORP COM 855244109   379 3,621 SH   SOLE   0 0 3,621
TESLA INC COM 88160R101   765 4,147 SH   SOLE   0 0 4,147
TEXAS INSTRS INC COM 882508104   272 1,517 SH   SOLE   0 0 1,517
TJX COS INC NEW COM 872540109   202 2,575 SH   SOLE   0 0 2,575
UNION PAC CORP COM 907818108   721 3,636 SH   SOLE   0 0 3,636
UNITEDHEALTH GROUP INC COM 91324P102   536 1,040 SH   SOLE   0 0 1,040
VANECK ETF TRUST OIL SERVICES ETF 92189H607   490 1,738 SH   SOLE   0 0 1,738
VANGUARD BD INDEX FDS INTERMED TERM 921937819   339 4,402 SH   SOLE   0 0 4,402
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   13,108 171,363 SH   SOLE   0 0 171,363
VANGUARD INDEX FDS GROWTH ETF 922908736   329 1,333 SH   SOLE   0 0 1,333
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,908 14,287 SH   SOLE   0 0 14,287
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   641 1,704 SH   SOLE   0 0 1,704
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,022 10,819 SH   SOLE   0 0 10,819
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   485 5,860 SH   SOLE   0 0 5,860
VANGUARD INDEX FDS MID CAP ETF 922908629   2,261 10,841 SH   SOLE   0 0 10,841
VANGUARD INDEX FDS VALUE ETF 922908744   785 5,633 SH   SOLE   0 0 5,633
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,560 8,152 SH   SOLE   0 0 8,152
VANGUARD INDEX FDS SM CP VAL ETF 922908611   7,106 45,374 SH   SOLE   0 0 45,374
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   538 13,311 SH   SOLE   0 0 13,311
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   729 13,585 SH   SOLE   0 0 13,585
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   20,655 406,356 SH   SOLE   0 0 406,356
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   12,027 192,525 SH   SOLE   0 0 192,525
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   818 5,292 SH   SOLE   0 0 5,292
VANGUARD STAR FDS VG TL INTL STK F 921909768   3,669 66,203 SH   SOLE   0 0 66,203
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   344 3,241 SH   SOLE   0 0 3,241
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   6,395 86,355 SH   SOLE   0 0 86,355
VERIZON COMMUNICATIONS INC COM 92343V104   518 13,154 SH   SOLE   0 0 13,154
VICTORY PORTFOLIOS II VCTRYSHS USAA CR 92647N535   294 5,979 SH   SOLE   0 0 5,979
VISA INC COM CL A 92826C839   360 1,590 SH   SOLE   0 0 1,590
WALMART INC COM 931142103   255 1,694 SH   SOLE   0 0 1,694
WASTE CONNECTIONS INC COM 94106B101   3,011 21,775 SH   SOLE   0 0 21,775
WISDOMTREE TR US TOTAL DIVIDND 97717W109   207 3,400 SH   SOLE   0 0 3,400
WISDOMTREE TR US QTLY DIV GRT 97717X669   360 5,769 SH   SOLE   0 0 5,769
WORLD GOLD TR SPDR GLD MINIS 98149E303   268 6,791 SH   SOLE   0 0 6,791
YUM BRANDS INC COM 988498101   296 2,257 SH   SOLE   0 0 2,257