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
3M CO COM 88579Y101   485,053 4,437 SH   SOLE   4,437 0 0
ABBOTT LABS COM 002824100   257,645 2,341 SH   SOLE   2,341 0 0
ABBVIE INC COM 00287Y109   1,146,468 7,398 SH   SOLE   7,398 0 0
ADOBE INC COM 00724F101   451,626 757 SH   SOLE   757 0 0
ADVANCED MICRO DEVICES INC COM 007903107   237,903 1,614 SH   SOLE   1,614 0 0
ALPHABET INC CAP STK CL C 02079K107   431,246 3,060 SH   SOLE   3,060 0 0
ALPHABET INC CAP STK CL A 02079K305   723,906 5,182 SH   SOLE   5,182 0 0
AMAZON COM INC COM 023135106   615,205 4,049 SH   SOLE   4,049 0 0
AMERICAN CENTY ETF TR QUALITY PREFER 025072539   2,679,925 74,738 SH   SOLE   74,738 0 0
AMERICAN EQTY INVT LIFE HLD COM 025676206   230,454 4,130 SH   SOLE   4,130 0 0
AMGEN INC COM 031162100   547,526 1,901 SH   SOLE   1,901 0 0
APPLE INC COM 037833100   20,774,509 107,903 SH   SOLE   107,903 0 0
ARROW ELECTRS INC COM 042735100   243,644 1,993 SH   SOLE   1,993 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   205,882 272 SH   SOLE   272 0 0
AT&T INC COM 00206R102   204,053 12,160 SH   SOLE   12,160 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   463,144 1,988 SH   SOLE   1,988 0 0
AVNET INC COM 053807103   266,314 5,284 SH   SOLE   5,284 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   538,557 1,510 SH   SOLE   1,510 0 0
BROADCOM INC COM 11135F101   951,045 852 SH   SOLE   852 0 0
CATERPILLAR INC COM 149123101   601,984 2,036 SH   SOLE   2,036 0 0
CHEVRON CORP NEW COM 166764100   580,083 3,889 SH   SOLE   3,889 0 0
CISCO SYS INC COM 17275R102   849,393 16,813 SH   SOLE   16,813 0 0
CITIGROUP INC COM NEW 172967424   264,144 5,135 SH   SOLE   5,135 0 0
COCA COLA CO COM 191216100   399,123 6,773 SH   SOLE   6,773 0 0
COLGATE PALMOLIVE CO COM 194162103   276,036 3,463 SH   SOLE   3,463 0 0
COMCAST CORP NEW CL A 20030N101   523,657 11,942 SH   SOLE   11,942 0 0
COMMERCIAL METALS CO COM 201723103   229,433 4,585 SH   SOLE   4,585 0 0
COSTCO WHSL CORP NEW COM 22160K105   951,860 1,442 SH   SOLE   1,442 0 0
DICKS SPORTING GOODS INC COM 253393102   260,248 1,771 SH   SOLE   1,771 0 0
DIREXION SHS ETF TR NAS100 EQL WGT 25459Y207   358,620 4,237 SH   SOLE   4,237 0 0
DISNEY WALT CO COM 254687106   667,153 7,389 SH   SOLE   7,389 0 0
ELI LILLY & CO COM 532457108   623,141 1,069 SH   SOLE   1,069 0 0
EMERSON ELEC CO COM 291011104   263,862 2,711 SH   SOLE   2,711 0 0
EXXON MOBIL CORP COM 30231G102   904,419 9,046 SH   SOLE   9,046 0 0
GENWORTH FINL INC COM CL A 37247D106   164,709 24,657 SH   SOLE   24,657 0 0
GILEAD SCIENCES INC COM 375558103   425,627 5,254 SH   SOLE   5,254 0 0
GLOBAL X FDS RATE PREFERRED 37954Y376   571,751 24,687 SH   SOLE   24,687 0 0
GROUP 1 AUTOMOTIVE INC COM 398905109   408,961 1,342 SH   SOLE   1,342 0 0
HOME DEPOT INC COM 437076102   1,468,679 4,238 SH   SOLE   4,238 0 0
INDEXIQ ACTIVE ETF TR IQ MACKAY INSRED 45409F843   2,164,622 88,136 SH   SOLE   88,136 0 0
INSIGHT ENTERPRISES INC COM 45765U103   203,769 1,150 SH   SOLE   1,150 0 0
INTEL CORP COM 458140100   291,225 5,796 SH   SOLE   5,796 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   367,497 2,247 SH   SOLE   2,247 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 MUNI 46138J536   671,534 26,953 SH   SOLE   26,953 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   603,221 25,393 SH   SOLE   25,393 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494   619,683 25,925 SH   SOLE   25,925 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528   668,124 27,231 SH   SOLE   27,231 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   662,992 18,835 SH   SOLE   18,835 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   487,918 3,092 SH   SOLE   3,092 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   6,052,949 14,781 SH   SOLE   14,781 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   5,529,239 47,206 SH   SOLE   47,206 0 0
ISHARES TR CORE S&P SCP ETF 464287804   348,465 3,219 SH   SOLE   3,219 0 0
ISHARES TR CORE S&P MCP ETF 464287507   225,046 812 SH   SOLE   812 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   33,187,173 200,830 SH   SOLE   200,830 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   240,320 3,200 SH   SOLE   3,200 0 0
ISHARES TR CORE S&P500 ETF 464287200   2,325,726 4,869 SH   SOLE   4,869 0 0
ISHARES TR NATIONAL MUN ETF 464288414   2,949,259 27,205 SH   SOLE   27,205 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   453,408 2,919 SH   SOLE   2,919 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   622,255 4,229 SH   SOLE   4,229 0 0
ISHARES TR MSCI EAFE ETF 464287465   31,288,710 415,245 SH   SOLE   415,245 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   19,137,973 95,351 SH   SOLE   95,351 0 0
ISHARES TR SELECT DIVID ETF 464287168   1,081,901 9,230 SH   SOLE   9,230 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   35,733,940 117,868 SH   SOLE   117,868 0 0
ISHARES TR S&P 100 ETF 464287101   488,777 2,188 SH   SOLE   2,188 0 0
ISHARES TR SHORT TREAS BD 464288679   9,670,020 87,806 SH   SOLE   87,806 0 0
JABIL INC COM 466313103   349,713 2,745 SH   SOLE   2,745 0 0
JOHNSON & JOHNSON COM 478160104   970,691 6,193 SH   SOLE   6,193 0 0
JPMORGAN CHASE & CO COM 46625H100   1,717,160 10,095 SH   SOLE   10,095 0 0
LAZARD LTD SHS A G54050102   1,696,918 48,762 SH   SOLE   48,762 0 0
LOCKHEED MARTIN CORP COM 539830109   617,766 1,363 SH   SOLE   1,363 0 0
LOWES COS INC COM 548661107   393,256 1,767 SH   SOLE   1,767 0 0
MARSH & MCLENNAN COS INC COM 571748102   979,560 5,170 SH   SOLE   5,170 0 0
MASTERCARD INCORPORATED CL A 57636Q104   291,306 683 SH   SOLE   683 0 0
MCDONALDS CORP COM 580135101   646,219 2,179 SH   SOLE   2,179 0 0
MERCK & CO INC COM 58933Y105   726,631 6,665 SH   SOLE   6,665 0 0
META PLATFORMS INC CL A 30303M102   340,156 961 SH   SOLE   961 0 0
MICROSOFT CORP COM 594918104   2,418,680 6,432 SH   SOLE   6,432 0 0
MORGAN STANLEY COM NEW 617446448   254,293 2,727 SH   SOLE   2,727 0 0
NIKE INC CL B 654106103   240,048 2,211 SH   SOLE   2,211 0 0
NVIDIA CORPORATION COM 67066G104   383,278 774 SH   SOLE   774 0 0
ORACLE CORP COM 68389X105   301,952 2,864 SH   SOLE   2,864 0 0
PEPSICO INC COM 713448108   557,191 3,281 SH   SOLE   3,281 0 0
PFIZER INC COM 717081103   302,957 10,523 SH   SOLE   10,523 0 0
PHILLIPS 66 COM 718546104   215,154 1,616 SH   SOLE   1,616 0 0
PIMCO ETF TR MUNI INCOME OPP 72201R635   3,773,085 83,071 SH   SOLE   83,071 0 0
PRICE T ROWE GROUP INC COM 74144T108   208,165 1,933 SH   SOLE   1,933 0 0
PROCTER AND GAMBLE CO COM 742718109   1,099,913 7,506 SH   SOLE   7,506 0 0
QUALCOMM INC COM 747525103   410,894 2,841 SH   SOLE   2,841 0 0
REINSURANCE GRP OF AMERICA I COM NEW 759351604   248,979 1,539 SH   SOLE   1,539 0 0
RELIANCE STEEL & ALUMINUM CO COM 759509102   380,644 1,361 SH   SOLE   1,361 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   6,331,159 112,255 SH   SOLE   112,255 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,691,687 35,810 SH   SOLE   35,810 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,196,029 28,846 SH   SOLE   28,846 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   464,626 8,346 SH   SOLE   8,346 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,461,257 19,401 SH   SOLE   19,401 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   868,537 23,499 SH   SOLE   23,499 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   341,075 1,772 SH   SOLE   1,772 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   2,674,441 7,096 SH   SOLE   7,096 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   9,181,296 19,316 SH   SOLE   19,316 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   2,374,171 4,679 SH   SOLE   4,679 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805   468,711 8,019 SH   SOLE   8,019 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300   310,303 3,725 SH   SOLE   3,725 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739   4,339,671 90,807 SH   SOLE   90,807 0 0
SPDR SER TR BBG CONV SEC ETF 78464A359   9,038,354 125,272 SH   SOLE   125,272 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   4,975,924 117,969 SH   SOLE   117,969 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   5,428,932 59,404 SH   SOLE   59,404 0 0
SUNCOKE ENERGY INC COM 86722A103   154,516 14,387 SH   SOLE   14,387 0 0
TAYLOR MORRISON HOME CORP COM 87724P106   221,936 4,160 SH   SOLE   4,160 0 0
TESLA INC COM 88160R101   215,929 869 SH   SOLE   869 0 0
TEXAS INSTRS INC COM 882508104   1,408,611 8,264 SH   SOLE   8,264 0 0
THE CIGNA GROUP COM 125523100   537,812 1,796 SH   SOLE   1,796 0 0
UNITED PARCEL SERVICE INC CL B 911312106   418,861 2,664 SH   SOLE   2,664 0 0
UNITED STATES STL CORP NEW COM 912909108   431,477 8,869 SH   SOLE   8,869 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,841,592 3,498 SH   SOLE   3,498 0 0
UNUM GROUP COM 91529Y106   261,688 5,787 SH   SOLE   5,787 0 0
US BANCORP DEL COM NEW 902973304   395,017 9,127 SH   SOLE   9,127 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   293,486 3,990 SH   SOLE   3,990 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   628,291 2,701 SH   SOLE   2,701 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   2,008,644 9,148 SH   SOLE   9,148 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,300,926 2,978 SH   SOLE   2,978 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,605,998 14,480 SH   SOLE   14,480 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,465,449 16,245 SH   SOLE   16,245 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,176,621 9,176 SH   SOLE   9,176 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   302,900 3,428 SH   SOLE   3,428 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   933,548 6,438 SH   SOLE   6,438 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   299,330 7,283 SH   SOLE   7,283 0 0
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599   404,377 1,900 SH   SOLE   1,900 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   12,168,961 157,283 SH   SOLE   157,283 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   352,494 2,069 SH   SOLE   2,069 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   7,110,495 148,445 SH   SOLE   148,445 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   403,723 10,709 SH   SOLE   10,709 0 0
VISA INC COM CL A 92826C839   1,171,835 4,501 SH   SOLE   4,501 0 0
WALMART INC COM 931142103   346,988 2,201 SH   SOLE   2,201 0 0
WINTRUST FINL CORP COM 97650W108   224,641 2,422 SH   SOLE   2,422 0 0