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   546,206 5,345 SH   SOLE 0 0 0 5,345
ABBOTT LABS COM 002824100   448,372 4,315 SH   SOLE 0 0 0 4,315
ABBVIE INC COM 00287Y109   295,163 1,721 SH   SOLE 0 0 0 1,721
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   787,956 2,597 SH   SOLE 0 0 0 2,597
ADOBE INC COM 00724F101   1,703,841 3,067 SH   SOLE 0 0 0 3,067
AFLAC INC COM 001055102   1,201,220 13,450 SH   SOLE 0 0 0 13,450
AIR PRODS & CHEMS INC COM 009158106   359,206 1,392 SH   SOLE 0 0 0 1,392
ALCON AG ORD SHS H01301128   268,487 3,014 SH   SOLE 0 0 0 3,014
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   289,008 4,014 SH   SOLE 0 0 0 4,014
ALLSTATE CORP COM 020002101   1,040,185 6,515 SH   SOLE 0 0 0 6,515
ALMACENES EXITO S A SPON ADS 02028M105   70,871 16,834 SH   SOLE 0 0 0 16,834
ALPHABET INC CAP STK CL C 02079K107   3,399,039 18,531 SH   SOLE 0 0 0 18,531
ALPHABET INC CAP STK CL A 02079K305   1,227,249 6,738 SH   SOLE 0 0 0 6,738
ALTRIA GROUP INC COM 02209S103   1,479,327 32,477 SH   SOLE 0 0 0 32,477
AMAZON COM INC COM 023135106   2,203,732 11,404 SH   SOLE 0 0 0 11,404
AMERICAN EXPRESS CO COM 025816109   261,420 1,129 SH   SOLE 0 0 0 1,129
AMERICAN INTL GROUP INC COM NEW 026874784   703,127 9,471 SH   SOLE 0 0 0 9,471
AMERIPRISE FINL INC COM 03076C106   304,159 712 SH   SOLE 0 0 0 712
AMGEN INC COM 031162100   904,543 2,895 SH   SOLE 0 0 0 2,895
AON PLC SHS CL A G0403H108   336,736 1,147 SH   SOLE 0 0 0 1,147
APPLE INC COM 037833100   14,865,185 70,578 SH   SOLE 0 0 0 70,578
ARES CAPITAL CORP COM 04010L103   997,194 47,850 SH   SOLE 0 0 0 47,850
ARISTA NETWORKS INC COM 040413106   376,416 1,074 SH   SOLE 0 0 0 1,074
ASML HOLDING N V N Y REGISTRY SHS N07059210   318,069 311 SH   SOLE 0 0 0 311
ASTRAZENECA PLC SPONSORED ADR 046353108   429,023 5,501 SH   SOLE 0 0 0 5,501
AT&T INC COM 00206R102   208,280 10,899 SH   SOLE 0 0 0 10,899
AUTOMATIC DATA PROCESSING IN COM 053015103   1,094,155 4,584 SH   SOLE 0 0 0 4,584
AUTOZONE INC COM 053332102   675,815 228 SH   SOLE 0 0 0 228
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   410,949 40,972 SH   SOLE 0 0 0 40,972
BANCO SANTANDER S.A. ADR 05964H105   154,934 33,463 SH   SOLE 0 0 0 33,463
BANK AMERICA CORP COM 060505104   1,143,427 28,751 SH   SOLE 0 0 0 28,751
BANK NEW YORK MELLON CORP COM 064058100   427,135 7,132 SH   SOLE 0 0 0 7,132
BARCLAYS PLC ADR 06738E204   376,489 35,153 SH   SOLE 0 0 0 35,153
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,167,837 5,329 SH   SOLE 0 0 0 5,329
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   285,348 1,400 SH Call SOLE 0 0 0 1,400
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   291,191 1,500 SH Call SOLE 0 0 0 1,500
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   291,150 1,800 SH Call SOLE 0 0 0 1,800
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   102,375 600 SH Call SOLE 0 0 0 600
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   152,366 1,000 SH Call SOLE 0 0 0 1,000
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   157,320 1,100 SH Call SOLE 0 0 0 1,100
BEST BUY INC COM 086516101   667,071 7,914 SH   SOLE 0 0 0 7,914
BLACKROCK INC COM 09247X101   305,480 388 SH   SOLE 0 0 0 388
BLACKSTONE INC COM 09260D107   1,103,786 8,916 SH   SOLE 0 0 0 8,916
BOEING CO COM 097023105   271,013 1,489 SH   SOLE 0 0 0 1,489
BOOKING HOLDINGS INC COM 09857L108   713,070 180 SH   SOLE 0 0 0 180
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   288,563 1,875 SH   SOLE 0 0 0 1,875
BOSTON SCIENTIFIC CORP COM 101137107   201,304 2,614 SH   SOLE 0 0 0 2,614
BRIGHTVIEW HLDGS INC COM 10948C107   133,000 10,000 SH   SOLE 0 0 0 10,000
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   1,220,714 39,467 SH   SOLE 0 0 0 39,467
BROADCOM INC COM 11135F101   1,078,916 672 SH   SOLE 0 0 0 672
BROWN & BROWN INC COM 115236101   209,935 2,348 SH   SOLE 0 0 0 2,348
BUILDERS FIRSTSOURCE INC COM 12008R107   765,961 5,534 SH   SOLE 0 0 0 5,534
CADENCE DESIGN SYSTEM INC COM 127387108   971,875 3,158 SH   SOLE 0 0 0 3,158
CANADIAN NAT RES LTD COM 136385101   222,820 6,259 SH   SOLE 0 0 0 6,259
CANADIAN NATL RY CO COM 136375102   1,153,539 9,765 SH   SOLE 0 0 0 9,765
CAPITAL ONE FINL CORP COM 14040H105   424,488 3,066 SH   SOLE 0 0 0 3,066
CARDINAL HEALTH INC COM 14149Y108   390,035 3,967 SH   SOLE 0 0 0 3,967
CATERPILLAR INC COM 149123101   433,521 1,301 SH   SOLE 0 0 0 1,301
CDW CORP COM 12514G108   493,791 2,206 SH   SOLE 0 0 0 2,206
CELESTICA INC COM 15101Q207   644,791 11,247 SH   SOLE 0 0 0 11,247
CEMEX SAB DE CV SPON ADR NEW 151290889   73,082 11,437 SH   SOLE 0 0 0 11,437
CENCORA INC COM 03073E105   357,551 1,587 SH   SOLE 0 0 0 1,587
CF INDS HLDGS INC COM 125269100   408,920 5,517 SH   SOLE 0 0 0 5,517
CGI INC CL A SUB VTG 12532H104   753,066 7,545 SH   SOLE 0 0 0 7,545
CHECK POINT SOFTWARE TECH LT ORD M22465104   284,790 1,726 SH   SOLE 0 0 0 1,726
CHENIERE ENERGY INC COM NEW 16411R208   213,817 1,223 SH   SOLE 0 0 0 1,223
CHEVRON CORP NEW COM 166764100   431,572 2,759 SH   SOLE 0 0 0 2,759
CHUNGHWA TELECOM CO LTD SPON ADR NEW11 17133Q502   1,167,837 30,247 SH   SOLE 0 0 0 30,247
CHURCH & DWIGHT CO INC COM 171340102   436,804 4,213 SH   SOLE 0 0 0 4,213
CISCO SYS INC COM 17275R102   1,404,871 29,570 SH   SOLE 0 0 0 29,570
CITIGROUP INC COM NEW 172967424   593,478 9,352 SH   SOLE 0 0 0 9,352
COCA COLA CO COM 191216100   356,739 5,605 SH   SOLE 0 0 0 5,605
COCA-COLA FEMSA SAB DE CV SPONSORD ADR REP 191241108   440,960 5,137 SH   SOLE 0 0 0 5,137
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102   361,284 5,313 SH   SOLE 0 0 0 5,313
COLGATE PALMOLIVE CO COM 194162103   1,145,460 11,804 SH   SOLE 0 0 0 11,804
COMCAST CORP NEW CL A 20030N101   515,893 13,174 SH   SOLE 0 0 0 13,174
CONOCOPHILLIPS COM 20825C104   279,316 2,442 SH   SOLE 0 0 0 2,442
COSTCO WHSL CORP NEW COM 22160K105   3,246,786 3,820 SH   SOLE 0 0 0 3,820
COTERRA ENERGY INC COM 127097103   250,271 9,384 SH   SOLE 0 0 0 9,384
CRH PLC ORD G25508105   800,861 10,681 SH   SOLE 0 0 0 10,681
DEERE & CO COM 244199105   370,689 992 SH   SOLE 0 0 0 992
DELL TECHNOLOGIES INC CL C 24703L202   635,351 4,607 SH   SOLE 0 0 0 4,607
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   284,611 5,487 SH   SOLE 0 0 0 5,487
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   424,380 11,808 SH   SOLE 0 0 0 11,808
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   584,488 14,884 SH   SOLE 0 0 0 14,884
DISNEY WALT CO COM 254687106   330,012 3,324 SH   SOLE 0 0 0 3,324
DOUBLELINE ETF TRUST COMMERCIAL REAL 25861R303   9,250,930 180,017 SH   SOLE 0 0 0 180,017
EA SERIES TRUST FREEDOM 100 EM 02072L607   17,136,927 485,190 SH   SOLE 0 0 0 485,190
EA SERIES TRUST US QUAN VALUE 02072L102   6,343,114 147,962 SH   SOLE 0 0 0 147,962
EA SERIES TRUST INTL QUAN VALUE 02072L201   3,200,056 128,362 SH   SOLE 0 0 0 128,362
EA SERIES TRUST INTL QUAN MOMNTM 02072L300   2,981,568 107,911 SH   SOLE 0 0 0 107,911
EA SERIES TRUST US QUAN MOMENTUM 02072L409   5,723,830 98,246 SH   SOLE 0 0 0 98,246
EATON CORP PLC SHS G29183103   314,491 1,003 SH   SOLE 0 0 0 1,003
EBAY INC. COM 278642103   595,678 11,089 SH   SOLE 0 0 0 11,089
ELEVANCE HEALTH INC COM 036752103   210,242 388 SH   SOLE 0 0 0 388
ELI LILLY & CO COM 532457108   3,608,845 3,986 SH   SOLE 0 0 0 3,986
EMCOR GROUP INC COM 29084Q100   376,032 1,030 SH   SOLE 0 0 0 1,030
EMERSON ELEC CO COM 291011104   201,923 1,833 SH   SOLE 0 0 0 1,833
EQUITABLE HLDGS INC COM 29452E101   273,149 6,685 SH   SOLE 0 0 0 6,685
ESSENTIAL UTILS INC COM 29670G102   547,594 14,669 SH   SOLE 0 0 0 14,669
ETF SER SOLUTIONS DISTILLATE SMLMD 26922B667   10,883,789 313,512 SH   SOLE 0 0 0 313,512
EXPEDIA GROUP INC COM NEW 30212P303   235,349 1,868 SH   SOLE 0 0 0 1,868
EXPEDITORS INTL WASH INC COM 302130109   203,657 1,632 SH   SOLE 0 0 0 1,632
EXXON MOBIL CORP COM 30231G102   2,887,961 25,087 SH   SOLE 0 0 0 25,087
FAIR ISAAC CORP COM 303250104   870,866 585 SH   SOLE 0 0 0 585
FASTENAL CO COM 311900104   341,850 5,440 SH   SOLE 0 0 0 5,440
FERROGLOBE PLC SHS G33856108   170,989 31,901 SH   SOLE 0 0 0 31,901
FINVOLUTION GROUP SPONSORED ADS 31810T101   208,435 43,697 SH   SOLE 0 0 0 43,697
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF 35473P595   1,054,277 43,190 SH   SOLE 0 0 0 43,190
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   764,954 120,087 SH   SOLE 0 0 0 120,087
FS KKR CAP CORP COM 302635206   1,016,292 51,510 SH   SOLE 0 0 0 51,510
GALLAGHER ARTHUR J & CO COM 363576109   298,933 1,153 SH   SOLE 0 0 0 1,153
GE AEROSPACE COM NEW 369604301   580,857 3,654 SH   SOLE 0 0 0 3,654
GENERAL DYNAMICS CORP COM 369550108   940,512 3,242 SH   SOLE 0 0 0 3,242
GENERAL MLS INC COM 370334104   745,835 11,790 SH   SOLE 0 0 0 11,790
GERDAU SA SPON ADR REP PFD 373737105   292,172 88,537 SH   SOLE 0 0 0 88,537
GILEAD SCIENCES INC COM 375558103   687,129 10,015 SH   SOLE 0 0 0 10,015
GODADDY INC CL A 380237107   356,261 2,550 SH   SOLE 0 0 0 2,550
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   4,586,089 42,881 SH   SOLE 0 0 0 42,881
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206   207,261 6,344 SH   SOLE 0 0 0 6,344
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   2,078,878 61,779 SH   SOLE 0 0 0 61,779
GOLDMAN SACHS GROUP INC COM 38141G104   531,024 1,174 SH   SOLE 0 0 0 1,174
GRAINGER W W INC COM 384802104   442,098 490 SH   SOLE 0 0 0 490
GRAYSCALE BITCOIN TR BTC SHS REP COM UT 389637109   433,427 8,141 SH   SOLE 0 0 0 8,141
HARTFORD FINL SVCS GROUP INC COM 416515104   625,660 6,223 SH   SOLE 0 0 0 6,223
HERSHEY CO COM 427866108   291,897 1,588 SH   SOLE 0 0 0 1,588
HOME DEPOT INC COM 437076102   2,641,874 7,675 SH   SOLE 0 0 0 7,675
HONDA MOTOR LTD ADR ECH CNV IN 3 438128308   380,819 11,812 SH   SOLE 0 0 0 11,812
HONEYWELL INTL INC COM 438516106   1,818,507 8,516 SH   SOLE 0 0 0 8,516
HP INC COM 40434L105   542,425 15,489 SH   SOLE 0 0 0 15,489
HSBC HLDGS PLC SPON ADR NEW 404280406   260,043 5,978 SH   SOLE 0 0 0 5,978
ILLINOIS TOOL WKS INC COM 452308109   1,149,967 4,853 SH   SOLE 0 0 0 4,853
IMPERIAL OIL LTD COM NEW 453038408   286,104 4,192 SH   SOLE 0 0 0 4,192
INFOSYS LTD SPONSORED ADR 456788108   610,773 32,802 SH   SOLE 0 0 0 32,802
INNOVATOR ETFS TRUST US EQTY BUFR JUL 45782C789   509,173 12,187 SH   SOLE 0 0 0 12,187
INNOVATOR ETFS TRUST US EQTY BUF SEP 45782C664   270,157 6,642 SH   SOLE 0 0 0 6,642
INNOVATOR ETFS TRUST US EQTY BUF DEC 45782C557   257,413 6,142 SH   SOLE 0 0 0 6,142
INNOVATOR ETFS TRUST INTRNL DEV JAN 45782C524   253,594 8,073 SH   SOLE 0 0 0 8,073
INNOVATOR ETFS TRUST US EQTY BUFR MAY 45782C326   340,760 8,973 SH   SOLE 0 0 0 8,973
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C508   479,944 11,930 SH   SOLE 0 0 0 11,930
INNOVATOR ETFS TRUST US EQTY BUFR JAN 45782C409   392,627 8,706 SH   SOLE 0 0 0 8,706
INNOVATOR ETFS TRUST LADDERED ALC BFR 45783Y756   2,815,920 92,259 SH   SOLE 0 0 0 92,259
INTEL CORP COM 458140100   277,408 8,957 SH   SOLE 0 0 0 8,957
INTERNATIONAL BUSINESS MACHS COM 459200101   271,669 1,571 SH   SOLE 0 0 0 1,571
INTUIT COM 461202103   286,544 436 SH   SOLE 0 0 0 436
INVESCO CURRENCYSHARES EURO EURO SHS 46138K103   1,099,347 11,109 SH   SOLE 0 0 0 11,109
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743   1,184,628 24,335 SH   SOLE 0 0 0 24,335
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727   2,537,467 125,307 SH   SOLE 0 0 0 125,307
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   513,240 14,000 SH   SOLE 0 0 0 14,000
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597   465,079 12,194 SH   SOLE 0 0 0 12,194
ISHARES INC CORE MSCI EMKT 46434G103   475,508 8,883 SH   SOLE 0 0 0 8,883
ISHARES TR CORE MSCI EAFE 46432F842   294,384 4,053 SH   SOLE 0 0 0 4,053
ISHARES TR MSCI USA MIN VOL 46429B697   971,791 11,574 SH   SOLE 0 0 0 11,574
ISHARES TR MSCI EAFE MIN VL 46429B689   250,752 3,615 SH   SOLE 0 0 0 3,615
ISHARES TR CORE HIGH DV ETF 46429B663   271,750 2,500 SH   SOLE 0 0 0 2,500
ISHARES TR MSCI KLD400 SOC 464288570   713,138 6,867 SH   SOLE 0 0 0 6,867
ISHARES TR MSCI ACWI EX US 464288240   236,535 4,452 SH   SOLE 0 0 0 4,452
ISHARES TR MSCI INTL MOMENT 46434V449   14,163,908 366,087 SH   SOLE 0 0 0 366,087
ISHARES TR MSCI INTL QUALTY 46434V456   15,193,151 389,069 SH   SOLE 0 0 0 389,069
ISHARES TR MSCI INTL VLU FT 46435G409   20,216,753 736,762 SH   SOLE 0 0 0 736,762
ISHARES TR IBONDS DEC2026 46435GAA0   26,229,917 1,101,172 SH   SOLE 0 0 0 1,101,172
ISHARES TR IBONDS DEC25 ETF 46434VBD1   29,285,105 1,178,001 SH   SOLE 0 0 0 1,178,001
ISHARES TR IBONDS DEC24 ETF 46434VBG4   30,231,814 1,203,017 SH   SOLE 0 0 0 1,203,017
ISHARES TR MSCI USA VALUE 46432F388   44,040,348 425,675 SH   SOLE 0 0 0 425,675
ISHARES TR MSCI USA MMENTM 46432F396   35,028,328 179,752 SH   SOLE 0 0 0 179,752
ISHARES TR MSCI USA QLT FCT 46432F339   36,522,581 213,883 SH   SOLE 0 0 0 213,883
ISHARES TR EAFE VALUE ETF 464288877   6,243,126 117,706 SH   SOLE 0 0 0 117,706
ISHARES TR EAFE GRWTH ETF 464288885   5,732,892 56,040 SH   SOLE 0 0 0 56,040
ISHARES TR ISHARES SEMICDTR 464287523   503,125 2,040 SH   SOLE 0 0 0 2,040
ISHARES TR CORE S&P SCP ETF 464287804   390,909 3,665 SH   SOLE 0 0 0 3,665
ISHARES TR CORE S&P500 ETF 464287200   263,218 481 SH   SOLE 0 0 0 481
ISHARES TR RUS 1000 GRW ETF 464287614   573,739 1,574 SH   SOLE 0 0 0 1,574
ISHARES TR MSCI EAFE ETF 464287465   290,104 3,704 SH   SOLE 0 0 0 3,704
ISHARES TR IBONDS DEC 28 46435U325   17,333,231 692,775 SH   SOLE 0 0 0 692,775
ISHARES TR IBONDS DEC 26 46435U259   17,407,019 687,481 SH   SOLE 0 0 0 687,481
ISHARES TR IBONDS DEC 27 46435U283   17,354,714 693,911 SH   SOLE 0 0 0 693,911
ISHARES TR IBDS DEC28 ETF 46435U515   25,951,009 1,047,679 SH   SOLE 0 0 0 1,047,679
ISHARES TR IBONDS 27 ETF 46435UAA9   26,080,718 1,099,061 SH   SOLE 0 0 0 1,099,061
ISHARES TR IBONDS DEC 46435U697   17,477,940 671,067 SH   SOLE 0 0 0 671,067
ISHARES TR IBONDS DEC 25 46435U432   17,421,833 657,800 SH   SOLE 0 0 0 657,800
ISHARES TR BROAD USD HIGH 46435U853   2,131,836 58,761 SH   SOLE 0 0 0 58,761
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   1,024,615 20,431 SH   SOLE 0 0 0 20,431
J & J SNACK FOODS CORP COM 466032109   803,732 4,950 SH   SOLE 0 0 0 4,950
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209   483,589 8,748 SH   SOLE 0 0 0 8,748
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   274,910 5,447 SH   SOLE 0 0 0 5,447
J P MORGAN EXCHANGE TRADED F JPMORGAN DIVER 46641Q407   305,390 2,797 SH   SOLE 0 0 0 2,797
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   3,119,443 58,913 SH   SOLE 0 0 0 58,913
J P MORGAN EXCHANGE TRADED F US MOMENTUM 46641Q779   3,463,548 64,620 SH   SOLE 0 0 0 64,620
J P MORGAN EXCHANGE TRADED F US VALUE FACTR 46641Q753   4,501,217 110,135 SH   SOLE 0 0 0 110,135
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   4,768,370 93,967 SH   SOLE 0 0 0 93,967
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   32,671,989 576,429 SH   SOLE 0 0 0 576,429
JABIL INC COM 466313103   439,403 4,039 SH   SOLE 0 0 0 4,039
JANUS DETROIT STR TR B-BBB CLO ETF 47103U753   1,063,521 21,625 SH   SOLE 0 0 0 21,625
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   9,244,794 181,698 SH   SOLE 0 0 0 181,698
JOHN HANCOCK EXCHANGE TRADED MLTFCTR LRG CAP 47804J107   468,917 7,213 SH   SOLE 0 0 0 7,213
JOHNSON & JOHNSON COM 478160104   2,233,975 15,284 SH   SOLE 0 0 0 15,284
JPMORGAN CHASE & CO. COM 46625H100   1,193,340 5,900 SH   SOLE 0 0 0 5,900
KIMBERLY-CLARK CORP COM 494368103   712,006 5,152 SH   SOLE 0 0 0 5,152
KLA CORP COM NEW 482480100   935,819 1,135 SH   SOLE 0 0 0 1,135
KROGER CO COM 501044101   837,027 16,764 SH   SOLE 0 0 0 16,764
KT CORP SPONSORED ADR 48268K101   233,142 17,055 SH   SOLE 0 0 0 17,055
LEIDOS HOLDINGS INC COM 525327102   364,554 2,499 SH   SOLE 0 0 0 2,499
LENNAR CORP CL A 526057104   372,727 2,487 SH   SOLE 0 0 0 2,487
LENNOX INTL INC COM 526107107   433,869 811 SH   SOLE 0 0 0 811
LINDE PLC SHS G54950103   555,972 1,267 SH   SOLE 0 0 0 1,267
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   378,446 138,625 SH   SOLE 0 0 0 138,625
LOCKHEED MARTIN CORP COM 539830109   1,565,719 3,352 SH   SOLE 0 0 0 3,352
LOWES COS INC COM 548661107   613,099 2,781 SH   SOLE 0 0 0 2,781
M & T BK CORP COM 55261F104   208,877 1,380 SH   SOLE 0 0 0 1,380
MANHATTAN ASSOCIATES INC COM 562750109   204,744 830 SH   SOLE 0 0 0 830
MANULIFE FINL CORP COM 56501R106   321,330 12,071 SH   SOLE 0 0 0 12,071
MARATHON PETE CORP COM 56585A102   896,892 5,170 SH   SOLE 0 0 0 5,170
MARRIOTT INTL INC NEW CL A 571903202   870,372 3,600 SH   SOLE 0 0 0 3,600
MARSH & MCLENNAN COS INC COM 571748102   1,070,036 5,078 SH   SOLE 0 0 0 5,078
MASCO CORP COM 574599106   248,012 3,720 SH   SOLE 0 0 0 3,720
MASTERCARD INCORPORATED CL A 57636Q104   664,828 1,507 SH   SOLE 0 0 0 1,507
MCKESSON CORP COM 58155Q103   1,263,279 2,163 SH   SOLE 0 0 0 2,163
MERCK & CO INC COM 58933Y105   2,551,164 20,607 SH   SOLE 0 0 0 20,607
META PLATFORMS INC CL A 30303M102   1,671,602 3,315 SH   SOLE 0 0 0 3,315
MICRON TECHNOLOGY INC COM 595112103   332,113 2,525 SH   SOLE 0 0 0 2,525
MICROSOFT CORP COM 594918104   9,868,534 22,080 SH   SOLE 0 0 0 22,080
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   125,604 11,630 SH   SOLE 0 0 0 11,630
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   47,059 11,125 SH   SOLE 0 0 0 11,125
MONDELEZ INTL INC CL A 609207105   728,740 11,136 SH   SOLE 0 0 0 11,136
MOODYS CORP COM 615369105   230,249 547 SH   SOLE 0 0 0 547
MSCI INC COM 55354G100   253,882 527 SH   SOLE 0 0 0 527
NATWEST GROUP PLC SPONS ADR 639057207   448,315 55,830 SH   SOLE 0 0 0 55,830
NAUTICUS ROBOTICS INC COM 63911H108   1,496 10,989 SH   SOLE 0 0 0 10,989
NETAPP INC COM 64110D104   275,374 2,138 SH   SOLE 0 0 0 2,138
NETFLIX INC COM 64110L106   415,726 616 SH   SOLE 0 0 0 616
NIKE INC CL B 654106103   407,213 5,403 SH   SOLE 0 0 0 5,403
NOVARTIS AG SPONSORED ADR 66987V109   1,459,992 13,714 SH   SOLE 0 0 0 13,714
NOVO-NORDISK A S ADR 670100205   2,841,953 19,910 SH   SOLE 0 0 0 19,910
NVIDIA CORPORATION COM 67066G104   5,096,256 41,252 SH   SOLE 0 0 0 41,252
NVR INC COM 62944T105   326,308 43 SH   SOLE 0 0 0 43
ONEOK INC NEW COM 682680103   296,722 3,639 SH   SOLE 0 0 0 3,639
OPENLANE INC COM 48238T109   637,056 38,400 SH   SOLE 0 0 0 38,400
ORACLE CORP COM 68389X105   1,714,949 12,146 SH   SOLE 0 0 0 12,146
ORANGE SPONSORED ADR 684060106   122,328 12,245 SH   SOLE 0 0 0 12,245
OREILLY AUTOMOTIVE INC COM 67103H107   749,803 710 SH   SOLE 0 0 0 710
ORIX CORP SPONSORED ADR 686330101   532,014 4,780 SH   SOLE 0 0 0 4,780
P T TELEKOMUNIKASI INDONESIA SPONSORED ADR 715684106   265,652 14,206 SH   SOLE 0 0 0 14,206
PACER FDS TR TRENDP US LAR CP 69374H105   2,004,333 40,280 SH   SOLE 0 0 0 40,280
PACER FDS TR TRENDPILOT INTL 69374H683   890,765 30,801 SH   SOLE 0 0 0 30,801
PALO ALTO NETWORKS INC COM 697435105   311,889 920 SH   SOLE 0 0 0 920
PAYCHEX INC COM 704326107   416,501 3,513 SH   SOLE 0 0 0 3,513
PEPSICO INC COM 713448108   1,710,489 10,371 SH   SOLE 0 0 0 10,371
PETROLEO BRASILEIRO SA PETRO SPONSORED ADR 71654V408   382,637 26,407 SH   SOLE 0 0 0 26,407
PHILIP MORRIS INTL INC COM 718172109   881,064 8,695 SH   SOLE 0 0 0 8,695
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   11,671,982 115,966 SH   SOLE 0 0 0 115,966
PLDT INC SPONSORED ADR 69344D408   463,865 18,887 SH   SOLE 0 0 0 18,887
PNC FINL SVCS GROUP INC COM 693475105   1,056,020 6,792 SH   SOLE 0 0 0 6,792
PROCTER AND GAMBLE CO COM 742718109   2,521,132 15,287 SH   SOLE 0 0 0 15,287
PROGRESSIVE CORP COM 743315103   399,064 1,921 SH   SOLE 0 0 0 1,921
PROSPECT CAP CORP COM 74348T102   384,125 69,462 SH   SOLE 0 0 0 69,462
PULTE GROUP INC COM 745867101   436,547 3,965 SH   SOLE 0 0 0 3,965
QUALCOMM INC COM 747525103   294,786 1,480 SH   SOLE 0 0 0 1,480
RELIANCE INC COM 759509102   248,186 869 SH   SOLE 0 0 0 869
RELX PLC SPONSORED ADR 759530108   1,792,210 39,063 SH   SOLE 0 0 0 39,063
REPUBLIC SVCS INC COM 760759100   636,269 3,274 SH   SOLE 0 0 0 3,274
RIBBON COMMUNICATIONS INC COM 762544104   32,900 10,000 SH   SOLE 0 0 0 10,000
ROYAL BK CDA COM 780087102   374,883 3,524 SH   SOLE 0 0 0 3,524
RTX CORPORATION COM 75513E101   432,079 4,304 SH   SOLE 0 0 0 4,304
S&P GLOBAL INC COM 78409V104   491,046 1,101 SH   SOLE 0 0 0 1,101
SAP SE SPON ADR 803054204   610,576 3,027 SH   SOLE 0 0 0 3,027
SAVERONE 2014 LTD SPONSORED ADS 80516T105   3,786,432 9,466,081 SH   SOLE 0 0 0 9,466,081
SCHWAB CHARLES CORP COM 808513105   209,427 2,842 SH   SOLE 0 0 0 2,842
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   7,204,744 187,526 SH   SOLE 0 0 0 187,526
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,877,950 44,793 SH   SOLE 0 0 0 44,793
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   242,327 5,107 SH   SOLE 0 0 0 5,107
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   998,013 9,897 SH   SOLE 0 0 0 9,897
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   507,249 6,847 SH   SOLE 0 0 0 6,847
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,729,509 102,768 SH   SOLE 0 0 0 102,768
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763   7,110,037 129,462 SH   SOLE 0 0 0 129,462
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730   9,676,881 327,253 SH   SOLE 0 0 0 327,253
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   1,706,961 48,729 SH   SOLE 0 0 0 48,729
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   377,933 2,072 SH   SOLE 0 0 0 2,072
SHELL PLC SPON ADS 780259305   334,843 4,639 SH   SOLE 0 0 0 4,639
SHERWIN WILLIAMS CO COM 824348106   612,975 2,054 SH   SOLE 0 0 0 2,054
SIMON PPTY GROUP INC NEW COM 828806109   267,927 1,765 SH   SOLE 0 0 0 1,765
SIMPLIFY EXCHANGE TRADED FUN US EQT PLS DWNSD 82889N202   248,885 7,701 SH   SOLE 0 0 0 7,701
SMART SAND INC COM 83191H107   36,075 17,097 SH   SOLE 0 0 0 17,097
SPDR GOLD TR GOLD SHS 78463V107   778,121 3,619 SH   SOLE 0 0 0 3,619
SPDR S&P 500 ETF TR TR UNIT 78462F103   245,616 451 SH   SOLE 0 0 0 451
SPDR SER TR S&P DIVID ETF 78464A763   214,807 1,689 SH   SOLE 0 0 0 1,689
STEEL DYNAMICS INC COM 858119100   269,231 2,079 SH   SOLE 0 0 0 2,079
STELLANTIS N.V SHS N82405106   294,812 14,852 SH   SOLE 0 0 0 14,852
SUNCOR ENERGY INC NEW COM 867224107   297,980 7,821 SH   SOLE 0 0 0 7,821
SUPER MICRO COMPUTER INC COM 86800U104   310,534 379 SH   SOLE 0 0 0 379
SYNCHRONY FINANCIAL COM 87165B103   297,391 6,302 SH   SOLE 0 0 0 6,302
T-MOBILE US INC COM 872590104   232,910 1,322 SH   SOLE 0 0 0 1,322
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   1,415,161 8,142 SH   SOLE 0 0 0 8,142
TELEFONICA BRASIL SA NEW ADR 87936R205   237,080 28,877 SH   SOLE 0 0 0 28,877
TELEFONICA S A SPONSORED ADR 879382208   59,235 14,070 SH   SOLE 0 0 0 14,070
TESLA INC COM 88160R101   246,833 1,247 SH   SOLE 0 0 0 1,247
TEXAS INSTRS INC COM 882508104   258,725 1,330 SH   SOLE 0 0 0 1,330
THE CIGNA GROUP COM 125523100   400,320 1,211 SH   SOLE 0 0 0 1,211
THE TRADE DESK INC COM CL A 88339J105   206,377 2,113 SH   SOLE 0 0 0 2,113
THERMO FISHER SCIENTIFIC INC COM 883556102   375,487 679 SH   SOLE 0 0 0 679
TJX COS INC NEW COM 872540109   214,034 1,944 SH   SOLE 0 0 0 1,944
TRAVELERS COMPANIES INC COM 89417E109   758,255 3,729 SH   SOLE 0 0 0 3,729
TURKCELL ILETISIM HIZMETLERI SPON ADR NEW 900111204   176,470 23,281 SH   SOLE 0 0 0 23,281
UBS GROUP AG SHS H42097107   1,003,385 33,967 SH   SOLE 0 0 0 33,967
ULTA BEAUTY INC COM 90384S303   211,843 549 SH   SOLE 0 0 0 549
UNION PAC CORP COM 907818108   1,178,136 5,207 SH   SOLE 0 0 0 5,207
UNITEDHEALTH GROUP INC COM 91324P102   2,428,152 4,768 SH   SOLE 0 0 0 4,768
US BANCORP DEL COM NEW 902973304   300,013 7,557 SH   SOLE 0 0 0 7,557
VALE S A SPONSORED ADS 91912E105   313,899 28,102 SH   SOLE 0 0 0 28,102
VALERO ENERGY CORP COM 91913Y100   535,335 3,415 SH   SOLE 0 0 0 3,415
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   314,926 1,208 SH   SOLE 0 0 0 1,208
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,062,295 13,850 SH   SOLE 0 0 0 13,850
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   4,526,772 91,413 SH   SOLE 0 0 0 91,413
VANGUARD INDEX FDS LARGE CAP ETF 922908637   35,906,797 143,846 SH   SOLE 0 0 0 143,846
VANGUARD INDEX FDS SMALL CP ETF 922908751   8,770,142 40,223 SH   SOLE 0 0 0 40,223
VANGUARD INDEX FDS GROWTH ETF 922908736   9,882,327 26,423 SH   SOLE 0 0 0 26,423
VANGUARD INDEX FDS VALUE ETF 922908744   9,527,193 59,393 SH   SOLE 0 0 0 59,393
VANGUARD INDEX FDS SM CP VAL ETF 922908611   931,335 5,103 SH   SOLE 0 0 0 5,103
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,120,683 2,241 SH   SOLE 0 0 0 2,241
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,297,587 16,065 SH   SOLE 0 0 0 16,065
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   19,661,692 449,307 SH   SOLE 0 0 0 449,307
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   355,070 7,315 SH   SOLE 0 0 0 7,315
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   1,063,595 18,341 SH   SOLE 0 0 0 18,341
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   365,283 2,001 SH   SOLE 0 0 0 2,001
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,010,316 16,755 SH   SOLE 0 0 0 16,755
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   39,017,615 789,511 SH   SOLE 0 0 0 789,511
VANGUARD WELLINGTON FD US MOMENTUM 921935508   364,535 2,427 SH   SOLE 0 0 0 2,427
VANGUARD WELLINGTON FD US VALUE FACTR 921935805   480,661 4,251 SH   SOLE 0 0 0 4,251
VANGUARD WELLINGTON FD US QUALITY 921935706   341,137 2,544 SH   SOLE 0 0 0 2,544
VANGUARD WORLD FD INF TECH ETF 92204A702   369,594 641 SH   SOLE 0 0 0 641
VERISK ANALYTICS INC COM 92345Y106   708,377 2,628 SH   SOLE 0 0 0 2,628
VERIZON COMMUNICATIONS INC COM 92343V104   2,346,020 56,887 SH   SOLE 0 0 0 56,887
VIATRIS INC COM 92556V106   133,917 12,598 SH   SOLE 0 0 0 12,598
VIPSHOP HLDGS LTD SPONSORED ADS A 92763W103   299,082 22,971 SH   SOLE 0 0 0 22,971
VISA INC COM CL A 92826C839   2,713,186 10,337 SH   SOLE 0 0 0 10,337
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   423,081 47,698 SH   SOLE 0 0 0 47,698
WALKER & DUNLOP INC COM 93148P102   14,302,928 145,651 SH   SOLE 0 0 0 145,651
WALMART INC COM 931142103   3,037,853 44,866 SH   SOLE 0 0 0 44,866
WASTE MGMT INC DEL COM 94106L109   1,511,043 7,083 SH   SOLE 0 0 0 7,083
WELLS FARGO CO NEW COM 949746101   505,312 8,508 SH   SOLE 0 0 0 8,508
WILLIAMS SONOMA INC COM 969904101   339,691 1,203 SH   SOLE 0 0 0 1,203
WISDOMTREE TR INTL QULTY DIV 97717X131   4,311,824 116,253 SH   SOLE 0 0 0 116,253
WP CAREY INC COM 92936U109   270,130 4,907 SH   SOLE 0 0 0 4,907
YUM BRANDS INC COM 988498101   349,694 2,640 SH   SOLE 0 0 0 2,640
ZOETIS INC CL A 98978V103   921,755 5,317 SH   SOLE 0 0 0 5,317