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   720,748 6,857 SH   SOLE 0 0 0 6,857
ABBOTT LABS COM 002824100   222,975 2,202 SH   SOLE 0 0 0 2,202
ABBVIE INC COM 00287Y109   576,532 3,618 SH   SOLE 0 0 0 3,618
ADOBE SYSTEMS INCORPORATED COM 00724F101   905,620 2,350 SH   SOLE 0 0 0 2,350
AFLAC INC COM 001055102   304,018 4,712 SH   SOLE 0 0 0 4,712
AGILENT TECHNOLOGIES INC COM 00846U101   323,024 2,335 SH   SOLE 0 0 0 2,335
AIR PRODS & CHEMS INC COM 009158106   255,330 889 SH   SOLE 0 0 0 889
ALPHABET INC CAP STK CL C 02079K107   568,464 5,466 SH   SOLE 0 0 0 5,466
ALPHABET INC CAP STK CL A 02079K305   490,228 4,726 SH   SOLE 0 0 0 4,726
ALTRIA GROUP INC COM 02209S103   896,371 20,089 SH   SOLE 0 0 0 20,089
AMAZON COM INC COM 023135106   410,993 3,979 SH   SOLE 0 0 0 3,979
AMDOCS LTD SHS G02602103   200,703 2,090 SH   SOLE 0 0 0 2,090
AMERIPRISE FINL INC COM 03076C106   225,584 736 SH   SOLE 0 0 0 736
AMGEN INC COM 031162100   1,252,665 5,182 SH   SOLE 0 0 0 5,182
AON PLC SHS CL A G0403H108   419,651 1,331 SH   SOLE 0 0 0 1,331
APPLE INC COM 037833100   8,375,352 50,790 SH   SOLE 0 0 0 50,790
ARES CAPITAL CORP COM 04010L103   1,099,991 60,191 SH   SOLE 0 0 0 60,191
ASTRAZENECA PLC SPONSORED ADR 046353108   311,998 4,495 SH   SOLE 0 0 0 4,495
AUTOMATIC DATA PROCESSING IN COM 053015103   538,097 2,417 SH   SOLE 0 0 0 2,417
AUTOZONE INC COM 053332102   793,982 323 SH   SOLE 0 0 0 323
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   198,873 28,209 SH   SOLE 0 0 0 28,209
BANCO SANTANDER S.A. ADR 05964H105   59,143 16,028 SH   SOLE 0 0 0 16,028
BANK NEW YORK MELLON CORP COM 064058100   332,712 7,322 SH   SOLE 0 0 0 7,322
BCE INC COM NEW 05534B760   242,403 5,412 SH   SOLE 0 0 0 5,412
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   169,200 1,500 SH Call SOLE 0 0 0 1,500
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,053,214 3,411 SH   SOLE 0 0 0 3,411
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   169,750 1,400 SH Call SOLE 0 0 0 1,400
BLACKROCK INC COM 09247X101   218,802 327 SH   SOLE 0 0 0 327
BLACKSTONE INC COM 09260D107   214,918 2,447 SH   SOLE 0 0 0 2,447
BP PLC SPONSORED ADR 055622104   217,965 5,745 SH   SOLE 0 0 0 5,745
BRISTOL-MYERS SQUIBB CO COM 110122108   243,417 3,512 SH   SOLE 0 0 0 3,512
BUILDERS FIRSTSOURCE INC COM 12008R107   283,386 3,192 SH   SOLE 0 0 0 3,192
CAMPBELL SOUP CO COM 134429109   204,526 3,720 SH   SOLE 0 0 0 3,720
CANADIAN NATL RY CO COM 136375102   708,056 6,002 SH   SOLE 0 0 0 6,002
CARDINAL HEALTH INC COM 14149Y108   203,322 2,693 SH   SOLE 0 0 0 2,693
CDW CORP COM 12514G108   397,965 2,042 SH   SOLE 0 0 0 2,042
CEMEX SAB DE CV SPON ADR NEW 151290889   63,661 11,512 SH   SOLE 0 0 0 11,512
CGI INC CL A SUB VTG 12532H104   438,414 4,554 SH   SOLE 0 0 0 4,554
CHECK POINT SOFTWARE TECH LT ORD M22465104   304,980 2,346 SH   SOLE 0 0 0 2,346
CHEVRON CORP NEW COM 166764100   253,877 1,556 SH   SOLE 0 0 0 1,556
CHUNGHWA TELECOM CO LTD SPON ADR NEW11 17133Q502   910,717 23,292 SH   SOLE 0 0 0 23,292
CHURCH & DWIGHT CO INC COM 171340102   302,274 3,419 SH   SOLE 0 0 0 3,419
CISCO SYS INC COM 17275R102   1,830,357 35,014 SH   SOLE 0 0 0 35,014
CITIGROUP INC COM NEW 172967424   306,661 6,540 SH   SOLE 0 0 0 6,540
COCA COLA CO COM 191216100   238,528 3,845 SH   SOLE 0 0 0 3,845
COLGATE PALMOLIVE CO COM 194162103   538,525 7,166 SH   SOLE 0 0 0 7,166
COMCAST CORP NEW CL A 20030N101   207,261 5,467 SH   SOLE 0 0 0 5,467
COSTCO WHSL CORP NEW COM 22160K105   1,109,511 2,233 SH   SOLE 0 0 0 2,233
CRH PLC ADR 12626K203   433,260 8,517 SH   SOLE 0 0 0 8,517
DISNEY WALT CO COM 254687106   239,195 2,389 SH   SOLE 0 0 0 2,389
DOW INC COM 260557103   264,980 4,834 SH   SOLE 0 0 0 4,834
EA SERIES TRUST INTL QUAN MOMNTM 02072L300   2,708,381 102,416 SH   SOLE 0 0 0 102,416
EA SERIES TRUST US QUAN MOMENTUM 02072L409   4,529,679 100,490 SH   SOLE 0 0 0 100,490
EA SERIES TRUST US QUAN VALUE 02072L102   5,233,324 154,695 SH   SOLE 0 0 0 154,695
EA SERIES TRUST FREEDOM 100 EM 02072L607   12,914,510 439,419 SH   SOLE 0 0 0 439,419
EA SERIES TRUST INTL QUAN VALUE 02072L201   2,968,350 126,546 SH   SOLE 0 0 0 126,546
EMERSON ELEC CO COM 291011104   204,082 2,342 SH   SOLE 0 0 0 2,342
EXXON MOBIL CORP COM 30231G102   2,514,634 22,931 SH   SOLE 0 0 0 22,931
FAIR ISAAC CORP COM 303250104   572,692 815 SH   SOLE 0 0 0 815
FASTENAL CO COM 311900104   218,889 4,058 SH   SOLE 0 0 0 4,058
FINVOLUTION GROUP SPONSORED ADS 31810T101   46,529 11,158 SH   SOLE 0 0 0 11,158
FORD MTR CO DEL COM 345370860   157,424 12,494 SH   SOLE 0 0 0 12,494
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   355,458 80,058 SH   SOLE 0 0 0 80,058
FS KKR CAP CORP COM 302635206   1,047,526 56,623 SH   SOLE 0 0 0 56,623
GARRETT MOTION INC COM 366505105   99,749 13,022 SH   SOLE 0 0 0 13,022
GENERAL DYNAMICS CORP COM 369550108   648,057 2,840 SH   SOLE 0 0 0 2,840
GENERAL ELECTRIC CO COM NEW 369604301   305,626 3,197 SH   SOLE 0 0 0 3,197
GENERAL MLS INC COM 370334104   371,409 4,346 SH   SOLE 0 0 0 4,346
GENUINE PARTS CO COM 372460105   282,921 1,691 SH   SOLE 0 0 0 1,691
GERDAU SA SPON ADR REP PFD 373737105   363,740 73,781 SH   SOLE 0 0 0 73,781
GILEAD SCIENCES INC COM 375558103   230,325 2,776 SH   SOLE 0 0 0 2,776
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   4,368,257 53,783 SH   SOLE 0 0 0 53,783
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   2,608,513 84,664 SH   SOLE 0 0 0 84,664
GRAINGER W W INC COM 384802104   289,989 421 SH   SOLE 0 0 0 421
HERSHEY CO COM 427866108   496,491 1,952 SH   SOLE 0 0 0 1,952
HIMAX TECHNOLOGIES INC SPONSORED ADR 43289P106   187,494 23,062 SH   SOLE 0 0 0 23,062
HOME DEPOT INC COM 437076102   948,022 3,212 SH   SOLE 0 0 0 3,212
HONDA MOTOR LTD AMERN SHS 438128308   227,072 8,572 SH   SOLE 0 0 0 8,572
HONEYWELL INTL INC COM 438516106   929,225 4,862 SH   SOLE 0 0 0 4,862
HOST HOTELS & RESORTS INC COM 44107P104   374,537 22,713 SH   SOLE 0 0 0 22,713
HP INC COM 40434L105   214,519 7,309 SH   SOLE 0 0 0 7,309
ILLINOIS TOOL WKS INC COM 452308109   420,682 1,728 SH   SOLE 0 0 0 1,728
INNOVATOR ETFS TR INTRNL DEV JAN 45782C524   202,905 7,132 SH   SOLE 0 0 0 7,132
INNOVATOR ETFS TR US EQTY BUFR JUL 45782C789   407,885 12,485 SH   SOLE 0 0 0 12,485
INNOVATOR ETFS TR US EQTY BUF DEC 45782C557   276,455 8,171 SH   SOLE 0 0 0 8,171
INNOVATOR ETFS TR LADDERED ALC BFR 45783Y756   3,279,096 134,150 SH   SOLE 0 0 0 134,150
INNOVATOR ETFS TR US EQTY BUFR MAR 45782C326   325,042 10,752 SH   SOLE 0 0 0 10,752
INNOVATOR ETFS TR US EQTY BUFR JAN 45782C409   849,430 24,159 SH   SOLE 0 0 0 24,159
INNOVATOR ETFS TR US EQTY BUF SEP 45782C664   272,062 8,471 SH   SOLE 0 0 0 8,471
INNOVATOR ETFS TR US EQTY PWR BUF 45782C508   859,209 25,872 SH   SOLE 0 0 0 25,872
INTERPUBLIC GROUP COS INC COM 460690100   204,336 5,487 SH   SOLE 0 0 0 5,487
INVESCO CURRENCYSHARES EURO EURO SHS 46138K103   1,113,011 11,109 SH   SOLE 0 0 0 11,109
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727   2,507,939 136,598 SH   SOLE 0 0 0 136,598
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743   1,265,403 28,720 SH   SOLE 0 0 0 28,720
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   386,372 1,400 SH   SOLE 0 0 0 1,400
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597   678,645 4,125 SH   SOLE 0 0 0 4,125
INVESCO QQQ TR UNIT SER 1 46090E103   201,581 628 SH   SOLE 0 0 0 628
ISHARES INC CORE MSCI EMKT 46434G103   375,224 7,691 SH   SOLE 0 0 0 7,691
ISHARES TR MSCI USA VALUE 46432F388   32,428,278 350,235 SH   SOLE 0 0 0 350,235
ISHARES TR ISHARES SEMICDTR 464287523   444,670 1,000 SH   SOLE 0 0 0 1,000
ISHARES TR BLACKROCK ULTRA 46434V878   4,494,410 89,441 SH   SOLE 0 0 0 89,441
ISHARES TR IBONDS DEC25 ETF 46434VBD1   385,363 15,710 SH   SOLE 0 0 0 15,710
ISHARES TR IBONDS 23 TRM TS 46436E882   200,738 8,091 SH   SOLE 0 0 0 8,091
ISHARES TR IBONDS DEC23 ETF 46434VAX8   466,834 18,533 SH   SOLE 0 0 0 18,533
ISHARES TR CORE S&P SCP ETF 464287804   264,958 2,740 SH   SOLE 0 0 0 2,740
ISHARES TR MSCI USA QLT FCT 46432F339   25,144,367 202,671 SH   SOLE 0 0 0 202,671
ISHARES TR IBONDS DEC2023 46435G318   217,516 8,554 SH   SOLE 0 0 0 8,554
ISHARES TR SHRT NAT MUN ETF 464288158   8,922,284 85,234 SH   SOLE 0 0 0 85,234
ISHARES TR MSCI USA MIN VOL 46429B697   753,474 10,358 SH   SOLE 0 0 0 10,358
ISHARES TR CORE MSCI EAFE 46432F842   266,622 3,988 SH   SOLE 0 0 0 3,988
ISHARES TR MSCI USA MMENTM 46432F396   22,426,657 161,296 SH   SOLE 0 0 0 161,296
ISHARES TR EAFE GRWTH ETF 464288885   6,195,433 66,134 SH   SOLE 0 0 0 66,134
ISHARES TR MSCI INTL QUALTY 46434V456   11,417,901 323,453 SH   SOLE 0 0 0 323,453
ISHARES TR MSCI INTL MOMENT 46434V449   9,509,826 294,250 SH   SOLE 0 0 0 294,250
ISHARES TR EAFE VALUE ETF 464288877   6,887,378 141,920 SH   SOLE 0 0 0 141,920
ISHARES TR IBONDS DEC24 ETF 46434VBG4   388,985 15,819 SH   SOLE 0 0 0 15,819
ISHARES TR MSCI INTL VLU FT 46435G409   15,069,237 607,876 SH   SOLE 0 0 0 607,876
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   13,213,920 264,490 SH   SOLE 0 0 0 264,490
J & J SNACK FOODS CORP COM 466032109   733,689 4,950 SH   SOLE 0 0 0 4,950
J P MORGAN EXCHANGE TRADED F JPMORGAN DIVER 46641Q407   267,429 2,797 SH   SOLE 0 0 0 2,797
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   276,106 5,487 SH   SOLE 0 0 0 5,487
J P MORGAN EXCHANGE TRADED F US VALUE FACTR 46641Q753   4,976,404 146,107 SH   SOLE 0 0 0 146,107
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   19,002,089 374,131 SH   SOLE 0 0 0 374,131
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   3,353,854 81,345 SH   SOLE 0 0 0 81,345
J P MORGAN EXCHANGE TRADED F US MOMENTUM 46641Q779   3,421,765 86,234 SH   SOLE 0 0 0 86,234
JABIL INC COM 466313103   206,383 2,341 SH   SOLE 0 0 0 2,341
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886   2,542,974 53,256 SH   SOLE 0 0 0 53,256
JOHN HANCOCK EXCHANGE TRADED MLTFCTR LRG CAP 47804J107   373,561 7,213 SH   SOLE 0 0 0 7,213
JOHNSON & JOHNSON COM 478160104   2,022,242 13,047 SH   SOLE 0 0 0 13,047
JPMORGAN CHASE & CO COM 46625H100   460,565 3,534 SH   SOLE 0 0 0 3,534
KAR AUCTION SVCS INC COM 48238T109   525,312 38,400 SH   SOLE 0 0 0 38,400
KIMBERLY-CLARK CORP COM 494368103   609,493 4,541 SH   SOLE 0 0 0 4,541
KROGER CO COM 501044101   325,052 6,584 SH   SOLE 0 0 0 6,584
LILLY ELI & CO COM 532457108   1,400,467 4,078 SH   SOLE 0 0 0 4,078
LOCKHEED MARTIN CORP COM 539830109   1,067,424 2,258 SH   SOLE 0 0 0 2,258
LOWES COS INC COM 548661107   221,167 1,106 SH   SOLE 0 0 0 1,106
MARATHON PETE CORP COM 56585A102   426,332 3,162 SH   SOLE 0 0 0 3,162
MARSH & MCLENNAN COS INC COM 571748102   374,904 2,251 SH   SOLE 0 0 0 2,251
MCKESSON CORP COM 58155Q103   664,033 1,865 SH   SOLE 0 0 0 1,865
MERCK & CO INC COM 58933Y105   1,698,836 15,968 SH   SOLE 0 0 0 15,968
META PLATFORMS INC CL A 30303M102   258,682 1,221 SH   SOLE 0 0 0 1,221
METTLER TOLEDO INTERNATIONAL COM 592688105   215,760 141 SH   SOLE 0 0 0 141
MICROSOFT CORP COM 594918104   4,056,358 14,070 SH   SOLE 0 0 0 14,070
MID-AMER APT CMNTYS INC COM 59522J103   300,801 1,992 SH   SOLE 0 0 0 1,992
MONDELEZ INTL INC CL A 609207105   829,738 11,901 SH   SOLE 0 0 0 11,901
MOODYS CORP COM 615369105   210,236 687 SH   SOLE 0 0 0 687
MSCI INC COM 55354G100   232,831 416 SH   SOLE 0 0 0 416
NATWEST GROUP PLC SPONS ADR 639057207   163,053 24,705 SH   SOLE 0 0 0 24,705
NEXTERA ENERGY INC COM 65339F101   258,526 3,354 SH   SOLE 0 0 0 3,354
NOVARTIS AG SPONSORED ADR 66987V109   874,920 9,510 SH   SOLE 0 0 0 9,510
NOVO-NORDISK A S ADR 670100205   1,289,034 8,100 SH   SOLE 0 0 0 8,100
NVIDIA CORPORATION COM 67066G104   417,796 1,504 SH   SOLE 0 0 0 1,504
NVR INC COM 62944T105   222,888 40 SH   SOLE 0 0 0 40
ORACLE CORP COM 68389X105   1,099,082 11,828 SH   SOLE 0 0 0 11,828
ORANGE SPONSORED ADR 684060106   140,368 11,766 SH   SOLE 0 0 0 11,766
OREILLY AUTOMOTIVE INC COM 67103H107   758,139 893 SH   SOLE 0 0 0 893
ORIX CORP SPONSORED ADR 686330101   218,579 2,663 SH   SOLE 0 0 0 2,663
OWLET INC COM CL A 69120X107   39,646 122,214 SH   SOLE 0 0 0 122,214
P T TELEKOMUNIKASI INDONESIA SPONSORED ADR 715684106   579,760 21,260 SH   SOLE 0 0 0 21,260
PACER FDS TR TRENDP US LAR CP 69374H105   2,325,811 61,093 SH   SOLE 0 0 0 61,093
PACER FDS TR TRENDPILOT INTL 69374H683   1,245,275 47,421 SH   SOLE 0 0 0 47,421
PARATEK PHARMACEUTICALS INC COM 699374302   76,200 30,000 SH   SOLE 0 0 0 30,000
PEPSICO INC COM 713448108   2,254,140 12,365 SH   SOLE 0 0 0 12,365
PETROLEO BRASILEIRO SA PETRO SPONSORED ADR 71654V408   117,254 11,242 SH   SOLE 0 0 0 11,242
PGIM ETF TR PGIM ULTRA SH BD 69344A107   5,100,282 103,454 SH   SOLE 0 0 0 103,454
PHILIP MORRIS INTL INC COM 718172109   792,879 8,153 SH   SOLE 0 0 0 8,153
PIMCO ETF TR SHTRM MUN BD ACT 72201R874   7,657,309 153,823 SH   SOLE 0 0 0 153,823
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   19,942,741 210,178 SH   SOLE 0 0 0 210,178
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   34,896,899 351,606 SH   SOLE 0 0 0 351,606
PROCTER AND GAMBLE CO COM 742718109   1,502,066 10,102 SH   SOLE 0 0 0 10,102
PROSPECT CAP CORP COM 74348T102   328,978 47,267 SH   SOLE 0 0 0 47,267
PUBLIC STORAGE COM 74460D109   210,592 697 SH   SOLE 0 0 0 697
RELX PLC SPONSORED ADR 759530108   840,747 25,917 SH   SOLE 0 0 0 25,917
REPUBLIC SVCS INC COM 760759100   295,726 2,187 SH   SOLE 0 0 0 2,187
RIO TINTO PLC SPONSORED ADR 767204100   221,990 3,236 SH   SOLE 0 0 0 3,236
ROYAL BK CDA SUSTAINABL COM 780087102   610,947 6,392 SH   SOLE 0 0 0 6,392
S&P GLOBAL INC COM 78409V104   327,876 951 SH   SOLE 0 0 0 951
SAP SE SPON ADR 803054204   291,065 2,300 SH   SOLE 0 0 0 2,300
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   670,077 10,282 SH   SOLE 0 0 0 10,282
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   7,041,097 202,330 SH   SOLE 0 0 0 202,330
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   1,026,146 32,816 SH   SOLE 0 0 0 32,816
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,036,079 14,162 SH   SOLE 0 0 0 14,162
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   208,853 4,981 SH   SOLE 0 0 0 4,981
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   3,170,697 129,311 SH   SOLE 0 0 0 129,311
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   12,838,250 263,782 SH   SOLE 0 0 0 263,782
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   6,413,646 246,205 SH   SOLE 0 0 0 246,205
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   456,859 6,966 SH   SOLE 0 0 0 6,966
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,411,341 49,852 SH   SOLE 0 0 0 49,852
SIMPLIFY EXCHANGE TRADED FUN CONVEXITY ETF 82889N731   1,140,105 57,795 SH   SOLE 0 0 0 57,795
SIMPLIFY EXCHANGE TRADED FUN US EQT PLS DWNSD 82889N202   25,944,513 1,014,250 SH   SOLE 0 0 0 1,014,250
SIMPLIFY EXCHANGE TRADED FUN US EQT PLS CNVEX 82889N103   1,098,375 40,832 SH   SOLE 0 0 0 40,832
SPDR S&P 500 ETF TR TR UNIT 78462F103   352,155 860 SH   SOLE 0 0 0 860
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   619,699 6,662 SH   SOLE 0 0 0 6,662
TARGET CORP COM 87612E106   239,832 1,448 SH   SOLE 0 0 0 1,448
TELEFONICA BRASIL SA NEW ADR 87936R205   103,262 13,641 SH   SOLE 0 0 0 13,641
TESLA INC COM 88160R101   222,063 1,070 SH   SOLE 0 0 0 1,070
THE LION ELECTRIC COMPANY COMMON STOCK 536221104   3,640 36,400 SH Call SOLE 0 0 0 36,400
TRAVELERS COMPANIES INC COM 89417E109   330,478 1,928 SH   SOLE 0 0 0 1,928
TURKCELL ILETISIM HIZMETLERI SPON ADR NEW 900111204   169,803 39,489 SH   SOLE 0 0 0 39,489
UBS GROUP AG SHS H42097107   560,132 26,248 SH   SOLE 0 0 0 26,248
UNION PAC CORP COM 907818108   639,001 3,175 SH   SOLE 0 0 0 3,175
UNITEDHEALTH GROUP INC COM 91324P102   1,337,430 2,830 SH   SOLE 0 0 0 2,830
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   326,469 4,422 SH   SOLE 0 0 0 4,422
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   40,798,147 828,557 SH   SOLE 0 0 0 828,557
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,480,410 12,153 SH   SOLE 0 0 0 12,153
VANGUARD INDEX FDS SMALL CP ETF 922908751   7,008,905 36,975 SH   SOLE 0 0 0 36,975
VANGUARD INDEX FDS VALUE ETF 922908744   5,929,980 42,937 SH   SOLE 0 0 0 42,937
VANGUARD INDEX FDS LARGE CAP ETF 922908637   23,896,215 127,917 SH   SOLE 0 0 0 127,917
VANGUARD INDEX FDS GROWTH ETF 922908736   5,853,265 23,466 SH   SOLE 0 0 0 23,466
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   916,242 2,436 SH   SOLE 0 0 0 2,436
VANGUARD INDEX FDS SM CP VAL ETF 922908611   815,686 5,138 SH   SOLE 0 0 0 5,138
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   13,550,553 335,410 SH   SOLE 0 0 0 335,410
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   252,432 4,721 SH   SOLE 0 0 0 4,721
VANGUARD STAR FDS VG TL INTL STK F 921909768   336,201 6,090 SH   SOLE 0 0 0 6,090
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   27,720,064 613,683 SH   SOLE 0 0 0 613,683
VERISK ANALYTICS INC COM 92345Y106   236,563 1,233 SH   SOLE 0 0 0 1,233
VERIZON COMMUNICATIONS INC COM 92343V104   807,045 20,752 SH   SOLE 0 0 0 20,752
VIATRIS INC COM 92556V106   262,857 27,324 SH   SOLE 0 0 0 27,324
VIPSHOP HOLDINGS LIMITED SPONSORED ADS A 92763W103   245,005 16,140 SH   SOLE 0 0 0 16,140
VISA INC COM CL A 92826C839   1,830,114 8,117 SH   SOLE 0 0 0 8,117
WALKER & DUNLOP INC COM 93148P102   13,840,318 181,703 SH   SOLE 0 0 0 181,703
WALMART INC COM 931142103   1,381,349 9,368 SH   SOLE 0 0 0 9,368
WASTE MGMT INC DEL COM 94106L109   590,416 3,618 SH   SOLE 0 0 0 3,618
WEYERHAEUSER CO MTN BE COM NEW 962166104   204,824 6,798 SH   SOLE 0 0 0 6,798
WHEELS UP EXPERIENCE INC COM CL A 96328L106   31,687 50,075 SH   SOLE 0 0 0 50,075
WISDOMTREE TR INTL QULTY DIV 97717X131   4,852,047 143,255 SH   SOLE 0 0 0 143,255
WP CAREY INC COM 92936U109   479,648 6,193 SH   SOLE 0 0 0 6,193
ZOETIS INC CL A 98978V103   607,672 3,651 SH   SOLE 0 0 0 3,651