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
ALLSTATE CORP COM 020002101   586,296 5,291 SH   SOLE   0 0 5,291
AMAZON COM INC COM 023135106   1,348,658 13,057 SH   SOLE   0 0 13,057
AMERICAN ELEC PWR CO INC COM 025537101   323,742 3,558 SH   SOLE   0 0 3,558
AMGEN INC COM 031162100   331,923 1,373 SH   SOLE   0 0 1,373
APPLE INC COM 037833100   9,204,282 55,817 SH   SOLE   0 0 55,817
BANK AMERICA CORP COM 060505104   1,241,925 43,424 SH   SOLE   0 0 43,424
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   938,043 3,038 SH   SOLE   0 0 3,038
BRISTOL-MYERS SQUIBB CO COM 110122108   1,013,936 14,629 SH   SOLE   0 0 14,629
CSX CORP COM 126408103   1,082,750 36,164 SH   SOLE   0 0 36,164
CVS HEALTH CORP COM 126650100   252,237 3,394 SH   SOLE   0 0 3,394
CALAMOS CONV OPPORTUNITIES & SH BEN INT 128117108   140,758 13,380 SH   SOLE   0 0 13,380
CALIFORNIA WTR SVC GROUP COM 130788102   670,057 11,513 SH   SOLE   0 0 11,513
CATERPILLAR INC COM 149123101   399,109 1,744 SH   SOLE   0 0 1,744
CHEVRON CORP NEW COM 166764100   646,476 3,962 SH   SOLE   0 0 3,962
CHURCH & DWIGHT CO INC COM 171340102   1,455,140 16,459 SH   SOLE   0 0 16,459
COCA COLA CO COM 191216100   669,597 10,795 SH   SOLE   0 0 10,795
COLGATE PALMOLIVE CO COM 194162103   261,597 3,481 SH   SOLE   0 0 3,481
COMMERCIAL METALS CO COM 201723103   493,890 10,100 SH   SOLE   0 0 10,100
CONSOLIDATED EDISON INC COM 209115104   1,830,489 19,133 SH   SOLE   0 0 19,133
CUMMINS INC COM 231021106   233,147 976 SH   SOLE   0 0 976
DEERE & CO COM 244199105   661,074 1,601 SH   SOLE   0 0 1,601
DISNEY WALT CO COM 254687106   331,130 3,307 SH   SOLE   0 0 3,307
DOCUSIGN INC COM 256163106   216,526 3,714 SH   SOLE   0 0 3,714
ESSEX PPTY TR INC COM 297178105   211,859 1,013 SH   SOLE   0 0 1,013
FS KKR CAP CORP COM 302635206   329,023 17,785 SH   SOLE   0 0 17,785
FIDELITY COVINGTON TRUST LOW VOLITY ETF 316092824   237,400 5,000 SH   SOLE   0 0 5,000
FORD MTR CO DEL COM 345370860   179,550 14,250 SH   SOLE   0 0 14,250
GENERAL ELECTRIC CO COM NEW 369604301   883,890 9,246 SH   SOLE   0 0 9,246
GENERAL MLS INC COM 370334104   2,012,339 23,547 SH   SOLE   0 0 23,547
GOLDMAN SACHS ETF TR ACCESS HIG YLD 381430453   466,180 10,727 SH   SOLE   0 0 10,727
HOME DEPOT INC COM 437076102   1,161,593 3,936 SH   SOLE   0 0 3,936
HONEYWELL INTL INC COM 438516106   215,010 1,125 SH   SOLE   0 0 1,125
HORMEL FOODS CORP COM 440452100   736,863 18,477 SH   SOLE   0 0 18,477
HUBBELL INC COM 443510607   323,359 1,329 SH   SOLE   0 0 1,329
ICAHN ENTERPRISES LP DEPOSITARY UNIT 451100101   262,428 5,075 SH   SOLE   0 0 5,075
INTEL CORP COM 458140100   326,635 9,998 SH   SOLE   0 0 9,998
INTERNATIONAL BUSINESS MACHS COM 459200101   515,528 3,933 SH   SOLE   0 0 3,933
ISHARES INC MSCI EMERG MRKT 464286533   246,602 4,519 SH   SOLE   0 0 4,519
ISHARES TR CORE S&P TTL STK 464287150   268,149 2,961 SH   SOLE   0 0 2,961
ISHARES TR TIPS BD ETF 464287176   2,006,219 18,197 SH   SOLE   0 0 18,197
ISHARES TR CORE S&P500 ETF 464287200   11,205,495 27,259 SH   SOLE   0 0 27,259
ISHARES TR CORE US AGGBD ET 464287226   1,702,947 17,091 SH   SOLE   0 0 17,091
ISHARES TR MSCI EMG MKT ETF 464287234   569,802 14,440 SH   SOLE   0 0 14,440
ISHARES TR 1 3 YR TREAS BD 464287457   403,159 4,907 SH   SOLE   0 0 4,907
ISHARES TR MSCI EAFE ETF 464287465   996,345 13,931 SH   SOLE   0 0 13,931
ISHARES TR CORE S&P MCP ETF 464287507   1,149,286 4,594 SH   SOLE   0 0 4,594
ISHARES TR ISHARES BIOTECH 464287556   886,167 6,861 SH   SOLE   0 0 6,861
ISHARES TR RUS 1000 VAL ETF 464287598   472,463 3,103 SH   SOLE   0 0 3,103
ISHARES TR RUS 1000 GRW ETF 464287614   517,980 2,120 SH   SOLE   0 0 2,120
ISHARES TR RUSSELL 2000 ETF 464287655   341,993 1,917 SH   SOLE   0 0 1,917
ISHARES TR CORE S&P US VLU 464287663   1,047,963 14,204 SH   SOLE   0 0 14,204
ISHARES TR CORE S&P US GWT 464287671   1,410,289 15,887 SH   SOLE   0 0 15,887
ISHARES TR U.S. TECH ETF 464287721   827,912 8,920 SH   SOLE   0 0 8,920
ISHARES TR CORE S&P SCP ETF 464287804   1,111,153 11,491 SH   SOLE   0 0 11,491
ISHARES TR INTL TREA BD ETF 464288117   331,451 8,243 SH   SOLE   0 0 8,243
ISHARES TR NATIONAL MUN ETF 464288414   260,192 2,415 SH   SOLE   0 0 2,415
ISHARES TR RESIDENTIAL MULT 464288562   1,394,560 19,747 SH   SOLE   0 0 19,747
ISHARES TR MBS ETF 464288588   833,395 8,798 SH   SOLE   0 0 8,798
ISHARES TR ISHS 1-5YR INVS 464288646   1,457,321 28,835 SH   SOLE   0 0 28,835
ISHARES TR 10-20 YR TRS ETF 464288653   376,914 3,291 SH   SOLE   0 0 3,291
ISHARES TR EAFE VALUE ETF 464288877   1,384,694 28,533 SH   SOLE   0 0 28,533
ISHARES TR EAFE GRWTH ETF 464288885   1,804,004 19,257 SH   SOLE   0 0 19,257
ISHARES TR AGGRES ALLOC ETF 464289859   451,137 7,094 SH   SOLE   0 0 7,094
ISHARES TR GRWT ALLOCAT ETF 464289867   233,030 4,658 SH   SOLE   0 0 4,658
ISHARES TR MODERT ALLOC ETF 464289875   727,684 18,256 SH   SOLE   0 0 18,256
JOHNSON & JOHNSON COM 478160104   698,309 4,505 SH   SOLE   0 0 4,505
KELLOGG CO COM 487836108   671,408 10,027 SH   SOLE   0 0 10,027
KIMBERLY-CLARK CORP COM 494368103   1,341,463 9,995 SH   SOLE   0 0 9,995
MCCORMICK & CO INC COM NON VTG 579780206   389,007 4,675 SH   SOLE   0 0 4,675
MCDONALDS CORP COM 580135101   522,606 1,869 SH   SOLE   0 0 1,869
MICROSOFT CORP COM 594918104   3,647,706 12,652 SH   SOLE   0 0 12,652
MONDELEZ INTL INC CL A 609207105   214,250 3,073 SH   SOLE   0 0 3,073
NEW JERSEY RES CORP COM 646025106   313,880 5,900 SH   SOLE   0 0 5,900
NORFOLK SOUTHN CORP COM 655844108   249,312 1,176 SH   SOLE   0 0 1,176
PEPSICO INC COM 713448108   745,591 4,090 SH   SOLE   0 0 4,090
PFIZER INC COM 717081103   736,105 18,042 SH   SOLE   0 0 18,042
PHILIP MORRIS INTL INC COM 718172109   457,756 4,707 SH   SOLE   0 0 4,707
PHILLIPS 66 COM 718546104   205,497 2,027 SH   SOLE   0 0 2,027
PROCTER AND GAMBLE CO COM 742718109   532,905 3,584 SH   SOLE   0 0 3,584
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   572,863 9,173 SH   SOLE   0 0 9,173
REALTY INCOME CORP COM 756109104   272,892 4,310 SH   SOLE   0 0 4,310
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   342,824 7,165 SH   SOLE   0 0 7,165
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,296,905 19,900 SH   SOLE   0 0 19,900
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,086,661 16,570 SH   SOLE   0 0 16,570
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   367,852 8,773 SH   SOLE   0 0 8,773
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   278,445 5,707 SH   SOLE   0 0 5,707
SOUTHERN CO COM 842587107   2,937,068 42,211 SH   SOLE   0 0 42,211
STARBUCKS CORP COM 855244109   495,230 4,756 SH   SOLE   0 0 4,756
TEXAS INSTRS INC COM 882508104   320,123 1,721 SH   SOLE   0 0 1,721
UNITED PARCEL SERVICE INC CL B 911312106   5,312,283 27,384 SH   SOLE   0 0 27,384
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,387,808 9,011 SH   SOLE   0 0 9,011
VANGUARD STAR FDS VG TL INTL STK F 921909768   369,603 6,694 SH   SOLE   0 0 6,694
VANGUARD WORLD FD MEGA GRWTH IND 921910816   3,180,299 15,551 SH   SOLE   0 0 15,551
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   444,128 5,002 SH   SOLE   0 0 5,002
VANGUARD WELLINGTON FD US VALUE FACTR 921935805   1,720,442 17,742 SH   SOLE   0 0 17,742
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   2,581,984 33,690 SH   SOLE   0 0 33,690
VANGUARD BD INDEX FDS INTERMED TERM 921937819   2,840,376 37,013 SH   SOLE   0 0 37,013
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   6,913,244 90,381 SH   SOLE   0 0 90,381
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   957,355 12,967 SH   SOLE   0 0 12,967
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   10,397,475 230,185 SH   SOLE   0 0 230,185
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   3,882,566 36,802 SH   SOLE   0 0 36,802
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   530,354 8,561 SH   SOLE   0 0 8,561
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   4,738,944 99,100 SH   SOLE   0 0 99,100
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,820,143 94,558 SH   SOLE   0 0 94,558
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   678,945 13,402 SH   SOLE   0 0 13,402
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,932,025 10,456 SH   SOLE   0 0 10,456
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   703,515 8,472 SH   SOLE   0 0 8,472
VANGUARD INDEX FDS MID CAP ETF 922908629   1,165,299 5,525 SH   SOLE   0 0 5,525
VANGUARD INDEX FDS GROWTH ETF 922908736   7,871,022 31,555 SH   SOLE   0 0 31,555
VANGUARD INDEX FDS VALUE ETF 922908744   6,667,352 48,276 SH   SOLE   0 0 48,276
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,802,221 20,058 SH   SOLE   0 0 20,058
VANGUARD INDEX FDS TOTAL STK MKT 922908769   376,862 1,846 SH   SOLE   0 0 1,846
WALMART INC COM 931142103   287,692 1,951 SH   SOLE   0 0 1,951
RAYTHEON TECHNOLOGIES CORP COM 75513E101   848,661 8,666 SH   SOLE   0 0 8,666
INVESCO QQQ TR UNIT SER 1 46090E103   6,819,629 21,250 SH   SOLE   0 0 21,250
TARGET CORP COM 87612E106   344,869 2,082 SH   SOLE   0 0 2,082
TRAVELERS COMPANIES INC COM 89417E109   209,120 1,220 SH   SOLE   0 0 1,220
ALPS ETF TR OSHARES US QUALT 00162Q387   938,960 22,277 SH   SOLE   0 0 22,277
AT&T INC COM 00206R102   716,363 37,214 SH   SOLE   0 0 37,214
ARK ETF TR INNOVATION ETF 00214Q104   407,828 10,110 SH   SOLE   0 0 10,110
ABBVIE INC COM 00287Y109   489,672 3,073 SH   SOLE   0 0 3,073
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   457,182 24,228 SH   SOLE   0 0 24,228
ACTIVISION BLIZZARD INC COM 00507V109   242,476 2,833 SH   SOLE   0 0 2,833
ALPHABET INC CAP STK CL C 02079K107   5,954,380 57,254 SH   SOLE   0 0 57,254
ALPHABET INC CAP STK CL A 02079K305   2,435,995 23,484 SH   SOLE   0 0 23,484
ALTRIA GROUP INC COM 02209S103   344,044 7,711 SH   SOLE   0 0 7,711
BLACKSTONE INC COM 09260D107   364,800 4,153 SH   SOLE   0 0 4,153
BROADCOM INC COM 11135F101   281,636 439 SH   SOLE   0 0 439
CARRIER GLOBAL CORPORATION COM 14448C104   322,721 7,054 SH   SOLE   0 0 7,054
CISCO SYS INC COM 17275R102   546,863 10,461 SH   SOLE   0 0 10,461
COSTCO WHSL CORP NEW COM 22160K105   702,590 1,414 SH   SOLE   0 0 1,414
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   514,213 15,954 SH   SOLE   0 0 15,954
DOMINION ENERGY INC COM 25746U109   693,843 12,410 SH   SOLE   0 0 12,410
EVERSOURCE ENERGY COM 30040W108   272,780 3,486 SH   SOLE   0 0 3,486
EXXON MOBIL CORP COM 30231G102   1,823,536 16,629 SH   SOLE   0 0 16,629
META PLATFORMS INC CL A 30303M102   505,477 2,385 SH   SOLE   0 0 2,385
FIRST TR EXCHANGE-TRADED FD RISNG DIVD ACHIV 33738R506   2,624,702 58,496 SH   SOLE   0 0 58,496
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   309,023 6,067 SH   SOLE   0 0 6,067
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   652,094 13,622 SH   SOLE   0 0 13,622
FIRST TR EXCHNG TRADED FD VI CBOE VEST US EQT 33740F714   319,766 9,380 SH   SOLE   0 0 9,380
FIRST TR EXCHNG TRADED FD VI CBOE VEST US EQT 33740F722   262,418 6,856 SH   SOLE   0 0 6,856
FIRST TR EXCHNG TRADED FD VI US EQT BUFFER 33740F763   1,352,633 36,186 SH   SOLE   0 0 36,186
FIRST TR EXCHNG TRADED FD VI US EQT DEEP DUFR 33740F771   1,293,477 38,466 SH   SOLE   0 0 38,466
HIGHLAND GLOBAL ALLOCATION F COM 43010T104   1,059,472 117,198 SH   SOLE   0 0 117,198
IDEXX LABS INC COM 45168D104   403,565 807 SH   SOLE   0 0 807
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887   926,429 18,678 SH   SOLE   0 0 18,678
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   327,837 2,267 SH   SOLE   0 0 2,267
INVESCO EXCHANGE TRADED FD T HIG YLD EQ DIV 46137V563   584,286 29,332 SH   SOLE   0 0 29,332
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   684,188 4,364 SH   SOLE   0 0 4,364
INVESCO EXCHANGE TRADED FD T DWA MOMENTUM 46137V837   2,135,707 28,112 SH   SOLE   0 0 28,112
ISHARES TR US TREAS BD ETF 46429B267   629,951 26,944 SH   SOLE   0 0 26,944
ISHARES TR MSCI EAFE MIN VL 46429B689   201,800 2,983 SH   SOLE   0 0 2,983
ISHARES TR MSCI USA MIN VOL 46429B697   1,558,675 21,428 SH   SOLE   0 0 21,428
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   2,359,435 47,569 SH   SOLE   0 0 47,569
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   362,685 7,259 SH   SOLE   0 0 7,259
ISHARES TR MSCI USA QLT FCT 46432F339   1,734,015 13,977 SH   SOLE   0 0 13,977
ISHARES TR MSCI USA MMENTM 46432F396   345,932 2,488 SH   SOLE   0 0 2,488
ISHARES TR CORE MSCI EAFE 46432F842   1,879,203 28,111 SH   SOLE   0 0 28,111
ISHARES TR CORE 1 5 YR USD 46432F859   331,735 7,035 SH   SOLE   0 0 7,035
ISHARES INC CORE MSCI EMKT 46434G103   1,322,733 27,111 SH   SOLE   0 0 27,111
ISHARES TR CORE TOTAL USD 46434V613   2,319,418 50,258 SH   SOLE   0 0 50,258
ISHARES TR ESG AWR MSCI USA 46435G425   1,780,858 19,689 SH   SOLE   0 0 19,689
ISHARES TR MSCI USA SMCP MN 46435G433   323,194 9,319 SH   SOLE   0 0 9,319
ISHARES TR US INFRASTRUC 46435U713   386,687 10,361 SH   SOLE   0 0 10,361
JPMORGAN CHASE & CO COM 46625H100   589,132 4,521 SH   SOLE   0 0 4,521
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   596,232 10,920 SH   SOLE   0 0 10,920
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,052,010 20,906 SH   SOLE   0 0 20,906
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206   634,272 13,247 SH   SOLE   0 0 13,247
MASTERCARD INCORPORATED CL A 57636Q104   1,888,642 5,197 SH   SOLE   0 0 5,197
MERCK & CO INC COM 58933Y105   626,746 5,891 SH   SOLE   0 0 5,891
NETFLIX INC COM 64110L106   232,854 674 SH   SOLE   0 0 674
NEXTERA ENERGY INC COM 65339F101   585,589 7,597 SH   SOLE   0 0 7,597
NEXPOINT DIVERSIFIED REL ET COM NEW 65340G205   937,332 90,302 SH   SOLE   0 0 90,302
NVIDIA CORPORATION COM 67066G104   573,121 2,063 SH   SOLE   0 0 2,063
NUVEEN CR STRATEGIES INCOME COM SHS 67073D102   74,181 14,517 SH   SOLE   0 0 14,517
OPKO HEALTH INC COM 68375N103   29,308 20,074 SH   SOLE   0 0 20,074
ORACLE CORP COM 68389X105   287,123 3,090 SH   SOLE   0 0 3,090
OTIS WORLDWIDE CORP COM 68902V107   521,592 6,180 SH   SOLE   0 0 6,180
PACER FDS TR TRENDP US LAR CP 69374H105   220,730 5,798 SH   SOLE   0 0 5,798
PETROLEO BRASILEIRO SA PETRO SPONSORED ADR 71654V408   113,280 10,861 SH   SOLE   0 0 10,861
PROSHARES TR II ULTA BLMBG 2017 74347Y888   548,697 20,729 SH   SOLE   0 0 20,729
PROSHARES TR S&P 500 DV ARIST 74348A467   418,775 4,590 SH   SOLE   0 0 4,590
PUBLIC STORAGE COM 74460D109   289,752 959 SH   SOLE   0 0 959
SPDR S&P 500 ETF TR TR UNIT 78462F103   15,547,947 37,978 SH   SOLE   0 0 37,978
SPDR GOLD TR GOLD SHS 78463V107   1,020,352 5,569 SH   SOLE   0 0 5,569
SPDR SER TR PRTFLO S&P500 GW 78464A409   1,555,505 28,098 SH   SOLE   0 0 28,098
SPDR SER TR PORTFOLIO S&P400 78464A847   431,332 9,816 SH   SOLE   0 0 9,816
SPDR SER TR PORTFOLIO S&P500 78464A854   885,106 18,382 SH   SOLE   0 0 18,382
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   526,801 1,584 SH   SOLE   0 0 1,584
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,776,355 3,875 SH   SOLE   0 0 3,875
SPDR SER TR PRTFLO S&P500 HI 78468R788   519,729 13,677 SH   SOLE   0 0 13,677
SPDR SER TR PORTFOLIO S&P600 78468R853   1,046,069 27,696 SH   SOLE   0 0 27,696
SALESFORCE INC COM 79466L302   321,446 1,609 SH   SOLE   0 0 1,609
SELECT SECTOR SPDR TR ENERGY 81369Y506   292,008 3,525 SH   SOLE   0 0 3,525
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   319,095 2,113 SH   SOLE   0 0 2,113
SEELOS THERAPEUTICS INC COM 81577F109   51,840 75,000 SH   SOLE   0 0 75,000
SIRIUS XM HOLDINGS INC COM 82968B103   56,562 14,247 SH   SOLE   0 0 14,247
TELLURIAN INC NEW COM 87968A104   13,653 11,100 SH   SOLE   0 0 11,100
TESLA INC COM 88160R101   299,365 1,443 SH   SOLE   0 0 1,443
UNITEDHEALTH GROUP INC COM 91324P102   955,489 2,022 SH   SOLE   0 0 2,022
VALERO ENERGY CORP COM 91913Y100   247,232 1,771 SH   SOLE   0 0 1,771
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   1,397,549 5,310 SH   SOLE   0 0 5,310
VANECK ETF TRUST OIL SERVICES ETF 92189H607   711,662 2,568 SH   SOLE   0 0 2,568
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   5,256,954 107,460 SH   SOLE   0 0 107,460
VANGUARD WORLD FDS INF TECH ETF 92204A702   506,554 1,314 SH   SOLE   0 0 1,314
VANGUARD WORLD FDS UTILITIES ETF 92204A876   916,674 6,214 SH   SOLE   0 0 6,214
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,846,403 24,221 SH   SOLE   0 0 24,221
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   2,982,330 64,067 SH   SOLE   0 0 64,067
VERIZON COMMUNICATIONS INC COM 92343V104   593,686 15,266 SH   SOLE   0 0 15,266
VICTORY PORTFOLIOS II VCTRYSHS USAA CR 92647N527   713,541 15,290 SH   SOLE   0 0 15,290
VISA INC COM CL A 92826C839   1,334,154 5,917 SH   SOLE   0 0 5,917
WP CAREY INC COM 92936U109   519,457 6,707 SH   SOLE   0 0 6,707
WISDOMTREE TR EMG MKTS SMCAP 97717W281   987,416 21,564 SH   SOLE   0 0 21,564
WISDOMTREE TR EUROPE SMCP DV 97717W869   714,279 12,250 SH   SOLE   0 0 12,250
TRANE TECHNOLOGIES PLC SHS G8994E103   208,449 1,133 SH   SOLE   0 0 1,133