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   468,723 4,419 SH   SOLE   4,419 0 0
ABBOTT LABS COM 002824100   258,546 2,275 SH   SOLE   2,275 0 0
ABBVIE INC COM 00287Y109   1,334,065 7,326 SH   SOLE   7,326 0 0
ADOBE INC COM 00724F101   376,432 746 SH   SOLE   746 0 0
ADVANCED MICRO DEVICES INC COM 007903107   281,183 1,558 SH   SOLE   1,558 0 0
ALPHABET INC CAP STK CL A 02079K305   760,571 5,039 SH   SOLE   5,039 0 0
ALPHABET INC CAP STK CL C 02079K107   465,916 3,060 SH   SOLE   3,060 0 0
AMAZON COM INC COM 023135106   730,359 4,049 SH   SOLE   4,049 0 0
AMERICAN CENTY ETF TR QUALITY PREFER 025072539   3,181,031 85,749 SH   SOLE   85,749 0 0
AMERICAN EQTY INVT LIFE HLD COM 025676206   227,860 4,053 SH   SOLE   4,053 0 0
AMGEN INC COM 031162100   548,738 1,930 SH   SOLE   1,930 0 0
APPLE INC COM 037833100   18,572,779 108,309 SH   SOLE   108,309 0 0
ARROW ELECTRS INC COM 042735100   244,162 1,886 SH   SOLE   1,886 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   263,968 272 SH   SOLE   272 0 0
AT&T INC COM 00206R102   218,885 12,437 SH   SOLE   12,437 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   496,483 1,988 SH   SOLE   1,988 0 0
AVNET INC COM 053807103   248,098 5,004 SH   SOLE   5,004 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   635,406 1,511 SH   SOLE   1,511 0 0
BROADCOM INC COM 11135F101   1,102,741 832 SH   SOLE   832 0 0
CATERPILLAR INC COM 149123101   744,219 2,031 SH   SOLE   2,031 0 0
CHEVRON CORP NEW COM 166764100   772,768 4,899 SH   SOLE   4,899 0 0
CISCO SYS INC COM 17275R102   846,885 16,968 SH   SOLE   16,968 0 0
CITIGROUP INC COM NEW 172967424   305,765 4,835 SH   SOLE   4,835 0 0
COCA COLA CO COM 191216100   416,809 6,813 SH   SOLE   6,813 0 0
COLGATE PALMOLIVE CO COM 194162103   334,536 3,715 SH   SOLE   3,715 0 0
COMCAST CORP NEW CL A 20030N101   478,931 11,048 SH   SOLE   11,048 0 0
COMMERCIAL METALS CO COM 201723103   263,583 4,485 SH   SOLE   4,485 0 0
COSTCO WHSL CORP NEW COM 22160K105   1,056,485 1,442 SH   SOLE   1,442 0 0
DICKS SPORTING GOODS INC COM 253393102   398,227 1,771 SH   SOLE   1,771 0 0
DIREXION SHS ETF TR NAS100 EQL WGT 25459Y207   377,940 4,237 SH   SOLE   4,237 0 0
DISNEY WALT CO COM 254687106   904,118 7,389 SH   SOLE   7,389 0 0
ELI LILLY & CO COM 532457108   816,080 1,049 SH   SOLE   1,049 0 0
EMCOR GROUP INC COM 29084Q100   228,681 653 SH   SOLE   653 0 0
EMERSON ELEC CO COM 291011104   303,285 2,674 SH   SOLE   2,674 0 0
EXXON MOBIL CORP COM 30231G102   941,776 8,102 SH   SOLE   8,102 0 0
GENWORTH FINL INC COM CL A 37247D106   158,467 24,645 SH   SOLE   24,645 0 0
GILEAD SCIENCES INC COM 375558103   380,534 5,195 SH   SOLE   5,195 0 0
GLOBAL X FDS RATE PREFERRED 37954Y376   510,446 21,556 SH   SOLE   21,556 0 0
GROUP 1 AUTOMOTIVE INC COM 398905109   372,593 1,275 SH   SOLE   1,275 0 0
HOME DEPOT INC COM 437076102   1,599,996 4,171 SH   SOLE   4,171 0 0
INDEXIQ ACTIVE ETF TR IQ MACKAY INSRED 45409F843   1,927,332 79,314 SH   SOLE   79,314 0 0
INSIGHT ENTERPRISES INC COM 45765U103   213,348 1,150 SH   SOLE   1,150 0 0
INTEL CORP COM 458140100   255,988 5,796 SH   SOLE   5,796 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   394,523 2,066 SH   SOLE   2,066 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 MUNI 46138J536   712,400 28,749 SH   SOLE   28,749 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494   670,359 28,339 SH   SOLE   28,339 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528   705,690 28,993 SH   SOLE   28,993 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   651,811 27,660 SH   SOLE   27,660 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   724,582 18,835 SH   SOLE   18,835 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   521,998 3,082 SH   SOLE   3,082 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   6,396,437 14,406 SH   SOLE   14,406 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   6,324,963 54,615 SH   SOLE   54,615 0 0
ISHARES TR NATIONAL MUN ETF 464288414   2,807,466 26,092 SH   SOLE   26,092 0 0
ISHARES TR SHORT TREAS BD 464288679   9,956,733 90,074 SH   SOLE   90,074 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   693,886 4,222 SH   SOLE   4,222 0 0
ISHARES TR SELECT DIVID ETF 464287168   1,049,985 8,524 SH   SOLE   8,524 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   21,336,286 101,456 SH   SOLE   101,456 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   431,010 2,714 SH   SOLE   2,714 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   38,045,704 212,415 SH   SOLE   212,415 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   256,511 3,210 SH   SOLE   3,210 0 0
ISHARES TR CORE S&P MCP ETF 464287507   463,082 7,624 SH   SOLE   7,624 0 0
ISHARES TR S&P 100 ETF 464287101   541,333 2,188 SH   SOLE   2,188 0 0
ISHARES TR MSCI EAFE ETF 464287465   35,322,157 442,301 SH   SOLE   442,301 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   270,208 3,200 SH   SOLE   3,200 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   41,773,202 123,938 SH   SOLE   123,938 0 0
ISHARES TR CORE S&P SCP ETF 464287804   491,712 4,449 SH   SOLE   4,449 0 0
ISHARES TR CORE S&P500 ETF 464287200   2,544,125 4,839 SH   SOLE   4,839 0 0
JABIL INC COM 466313103   348,002 2,598 SH   SOLE   2,598 0 0
JOHNSON & JOHNSON COM 478160104   981,569 6,205 SH   SOLE   6,205 0 0
JPMORGAN CHASE & CO COM 46625H100   2,003,000 10,000 SH   SOLE   10,000 0 0
LAZARD INC COM 52110M109   2,041,665 48,762 SH   SOLE   48,762 0 0
LOCKHEED MARTIN CORP COM 539830109   619,533 1,362 SH   SOLE   1,362 0 0
LOWES COS INC COM 548661107   450,120 1,767 SH   SOLE   1,767 0 0
MARRIOTT INTL INC NEW CL A 571903202   200,839 796 SH   SOLE   796 0 0
MASTERCARD INCORPORATED CL A 57636Q104   472,902 982 SH   SOLE   982 0 0
MCDONALDS CORP COM 580135101   617,917 2,192 SH   SOLE   2,192 0 0
MERCK & CO INC COM 58933Y105   867,850 6,577 SH   SOLE   6,577 0 0
META PLATFORMS INC CL A 30303M102   452,561 932 SH   SOLE   932 0 0
MICROSOFT CORP COM 594918104   2,721,705 6,469 SH   SOLE   6,469 0 0
MORGAN STANLEY COM NEW 617446448   256,774 2,727 SH   SOLE   2,727 0 0
NEXTERA ENERGY INC COM 65339F101   544,002 8,512 SH   SOLE   8,512 0 0
NOVO-NORDISK A S ADR 670100205   232,532 1,811 SH   SOLE   1,811 0 0
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   206,541 5,315 SH   SOLE   5,315 0 0
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   206,032 2,701 SH   SOLE   2,701 0 0
NVIDIA CORPORATION COM 67066G104   653,234 723 SH   SOLE   723 0 0
ORACLE CORP COM 68389X105   359,747 2,864 SH   SOLE   2,864 0 0
OWENS CORNING NEW COM 690742101   213,004 1,277 SH   SOLE   1,277 0 0
PEPSICO INC COM 713448108   579,927 3,314 SH   SOLE   3,314 0 0
PFIZER INC COM 717081103   278,832 10,048 SH   SOLE   10,048 0 0
PHILLIPS 66 COM 718546104   255,464 1,564 SH   SOLE   1,564 0 0
PIMCO ETF TR MUNI INCOME OPP 72201R635   3,871,706 84,850 SH   SOLE   84,850 0 0
PRICE T ROWE GROUP INC COM 74144T108   247,254 2,028 SH   SOLE   2,028 0 0
PROCTER AND GAMBLE CO COM 742718109   933,082 5,751 SH   SOLE   5,751 0 0
QUALCOMM INC COM 747525103   454,571 2,685 SH   SOLE   2,685 0 0
REINSURANCE GRP OF AMERICA I COM NEW 759351604   292,406 1,516 SH   SOLE   1,516 0 0
RELIANCE INC COM 759509102   435,102 1,302 SH   SOLE   1,302 0 0
S&P GLOBAL INC COM 78409V104   487,140 1,145 SH   SOLE   1,145 0 0
SANMINA CORPORATION COM 801056102   214,894 3,456 SH   SOLE   3,456 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,373,662 16,869 SH   SOLE   16,869 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   6,828,502 110,031 SH   SOLE   110,031 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   722,243 18,510 SH   SOLE   18,510 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   488,151 7,996 SH   SOLE   7,996 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,674,586 34,009 SH   SOLE   34,009 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,255,273 27,971 SH   SOLE   27,971 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   369,054 1,772 SH   SOLE   1,772 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   2,748,138 6,909 SH   SOLE   6,909 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   11,184,802 21,383 SH   SOLE   21,383 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   3,287,525 5,909 SH   SOLE   5,909 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   4,852,181 52,856 SH   SOLE   52,856 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739   4,022,775 84,797 SH   SOLE   84,797 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805   454,246 7,081 SH   SOLE   7,081 0 0
SPDR SER TR BBG CONV SEC ETF 78464A359   9,616,866 131,666 SH   SOLE   131,666 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300   232,609 2,804 SH   SOLE   2,804 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   5,270,971 122,467 SH   SOLE   122,467 0 0
SUNCOKE ENERGY INC COM 86722A103   152,201 13,505 SH   SOLE   13,505 0 0
TAYLOR MORRISON HOME CORP COM 87724P106   243,582 3,918 SH   SOLE   3,918 0 0
TD SYNNEX CORPORATION COM 87162W100   201,092 1,778 SH   SOLE   1,778 0 0
TEXAS INSTRS INC COM 882508104   1,438,031 8,255 SH   SOLE   8,255 0 0
THE CIGNA GROUP COM 125523100   652,289 1,796 SH   SOLE   1,796 0 0
UNITED PARCEL SERVICE INC CL B 911312106   407,692 2,743 SH   SOLE   2,743 0 0
UNITED STATES STL CORP NEW COM 912909108   356,458 8,741 SH   SOLE   8,741 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,790,319 3,619 SH   SOLE   3,619 0 0
UNUM GROUP COM 91529Y106   293,145 5,463 SH   SOLE   5,463 0 0
US BANCORP DEL COM NEW 902973304   406,457 9,093 SH   SOLE   9,093 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   301,629 4,153 SH   SOLE   4,153 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,443,870 15,066 SH   SOLE   15,066 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   835,964 5,362 SH   SOLE   5,362 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,363,889 2,837 SH   SOLE   2,837 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   302,467 3,498 SH   SOLE   3,498 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,996,923 7,683 SH   SOLE   7,683 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,431,168 12,670 SH   SOLE   12,670 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   643,381 2,575 SH   SOLE   2,575 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   2,025,092 8,589 SH   SOLE   8,589 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   292,681 7,007 SH   SOLE   7,007 0 0
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599   442,624 1,900 SH   SOLE   1,900 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   12,978,786 167,880 SH   SOLE   167,880 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   377,751 2,069 SH   SOLE   2,069 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   8,138,679 162,222 SH   SOLE   162,222 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   379,422 9,042 SH   SOLE   9,042 0 0
VISA INC COM CL A 92826C839   1,262,837 4,525 SH   SOLE   4,525 0 0
WALMART INC COM 931142103   385,750 6,411 SH   SOLE   6,411 0 0
WILLIAMS SONOMA INC COM 969904101   272,441 858 SH   SOLE   858 0 0
WINTRUST FINL CORP COM 97650W108   252,833 2,422 SH   SOLE   2,422 0 0