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
ABBOTT LABS COM 002824100 BBG001S5N9M6 262,302 2,406 SH   SOLE   0 0 2,406
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 401,361 2,979 SH   SOLE   0 0 2,979
ACADEMY SPORTS & OUTDOORS IN COM 00402L107 BBG00X7L1CW0 219,713 4,065 SH   SOLE   0 0 4,065
ADOBE SYSTEMS INCORPORATED COM 00724F101 BBG001S5NCQ5 248,407 508 SH   SOLE   0 0 508
ALLEGION PLC ORD SHS G0176J109 BBG003PS7JW0 337,376 2,811 SH   SOLE   0 0 2,811
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 634,410 5,300 SH   SOLE   0 0 5,300
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 1,224,480 10,122 SH   SOLE   0 0 10,122
AMAZON COM INC COM 023135106 BBG001S5PQL7 2,678,768 20,549 SH   SOLE   0 0 20,549
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 600,990 3,450 SH   SOLE   0 0 3,450
APPLE INC COM 037833100 BBG001S5N8V8 14,022,170 72,290 SH   SOLE   0 0 72,290
ASML HOLDING N V N Y REGISTRY SHS N07059210 BBG001SCG0R3 234,819 324 SH   SOLE   0 0 324
AT&T INC COM 00206R102 BBG001S5VWH2 353,203 22,144 SH   SOLE   0 0 22,144
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 737,706 25,713 SH   SOLE   0 0 25,713
BECTON DICKINSON & CO COM 075887109 BBG001S5P374 421,624 1,597 SH   SOLE   0 0 1,597
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,843,115 5,405 SH   SOLE   0 0 5,405
BHP GROUP LTD SPONSORED ADS 088606108 BBG001S5P5K4 472,049 7,911 SH   SOLE   0 0 7,911
BLACKROCK MUNIYIELD N Y QUAL COM 09255E102 BBG001S6TRK0 104,613 10,327 SH   SOLE   0 0 10,327
BOEING CO COM 097023105 BBG001S5P0V3 477,222 2,260 SH   SOLE   0 0 2,260
BOSTON SCIENTIFIC CORP COM 101137107 BBG001S63L94 314,642 5,817 SH   SOLE   0 0 5,817
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 679,149 10,620 SH   SOLE   0 0 10,620
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201 BBG004K1ZMP2 4,581,789 74,903 SH   SOLE   0 0 74,903
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102 BBG014YZRRT5 1,355,589 60,898 SH   SOLE   0 0 60,898
CATERPILLAR INC COM 149123101 BBG001S5PJ06 363,170 1,476 SH   SOLE   0 0 1,476
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 274,890 1,747 SH   SOLE   0 0 1,747
CISCO SYS INC COM 17275R102 BBG001S6HC62 555,791 10,742 SH   SOLE   0 0 10,742
CITIGROUP INC COM NEW 172967424 BBG001S72ZG4 301,148 6,541 SH   SOLE   0 0 6,541
COCA COLA CO COM 191216100 BBG001S5SMQ8 372,099 6,179 SH   SOLE   0 0 6,179
COHEN & STEERS QUALITY INCOM COM 19247L106 BBG001SG5559 127,646 11,004 SH   SOLE   0 0 11,004
COLUMBIA ETF TR II EM CORE EX ETF 19762B202 BBG009XW7GY3 2,685,483 93,898 SH   SOLE   0 0 93,898
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 674,107 16,224 SH   SOLE   0 0 16,224
CONOCOPHILLIPS COM 20825C104 BBG001S5TZM2 293,009 2,828 SH   SOLE   0 0 2,828
CONSOLIDATED EDISON INC COM 209115104 BBG001S5QRL4 517,335 5,723 SH   SOLE   0 0 5,723
CUMMINS INC COM 231021106 BBG001S5Q9M3 267,470 1,091 SH   SOLE   0 0 1,091
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 460,682 6,664 SH   SOLE   0 0 6,664
DANAHER CORPORATION COM 235851102 BBG001S5QGT0 462,480 1,927 SH   SOLE   0 0 1,927
DEERE & CO COM 244199105 BBG001S5QFF7 836,312 2,064 SH   SOLE   0 0 2,064
DIAGEO PLC SPON ADR NEW 25243Q205 BBG001S7V596 312,611 1,802 SH   SOLE   0 0 1,802
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 BBG01254CL28 828,507 19,854 SH   SOLE   0 0 19,854
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 BBG017158GJ6 2,992,782 122,806 SH   SOLE   0 0 122,806
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 BBG00Y2PHW26 1,841,188 78,482 SH   SOLE   0 0 78,482
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 BBG012G21Y06 1,140,453 34,717 SH   SOLE   0 0 34,717
DISNEY WALT CO COM 254687106 BBG001S5QHF3 631,844 7,077 SH   SOLE   0 0 7,077
EATON CORP PLC SHS G29183103 BBG001S5QZ45 382,894 1,904 SH   SOLE   0 0 1,904
EOG RES INC COM 26875P101 BBG001S5ZB93 240,667 2,103 SH   SOLE   0 0 2,103
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 1,990,775 18,562 SH   SOLE   0 0 18,562
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 1,748,034 38,486 SH   SOLE   0 0 38,486
FIRSTENERGY CORP COM 337932107 BBG001S5R3N4 439,538 11,305 SH   SOLE   0 0 11,305
FREEPORT-MCMORAN INC CL B 35671D857 BBG001S5R3F3 294,960 7,374 SH   SOLE   0 0 7,374
GENERAL ELECTRIC CO COM NEW 369604301 BBG001S5PVD5 534,640 4,867 SH   SOLE   0 0 4,867
GLOBAL X FDS US PFD ETF 37954Y657 BBG00HPF2LX6 283,307 14,611 SH   SOLE   0 0 14,611
HENRY SCHEIN INC COM 806407102 BBG001S6S7F1 255,303 3,148 SH   SOLE   0 0 3,148
HOME DEPOT INC COM 437076102 BBG001S5RTW7 1,241,317 3,996 SH   SOLE   0 0 3,996
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 685,788 3,305 SH   SOLE   0 0 3,305
INGERSOLL RAND INC COM 45687V106 BBG002R1CW36 1,060,074 16,219 SH   SOLE   0 0 16,219
INTEL CORP COM 458140100 BBG001S5SF65 432,780 12,942 SH   SOLE   0 0 12,942
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 426,988 3,191 SH   SOLE   0 0 3,191
INTUIT COM 461202103 BBG001S6TWR2 434,822 949 SH   SOLE   0 0 949
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 BBG001SS8729 2,970,732 66,075 SH   SOLE   0 0 66,075
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 BBG001SSJYS0 206,028 11,053 SH   SOLE   0 0 11,053
INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214 BBG001SS78M6 233,509 8,614 SH   SOLE   0 0 8,614
INVESCO EXCH TRADED FD TR II S&P SMLCAP QTY 46138G300 BBG00GBGVB98 1,884,586 52,277 SH   SOLE   0 0 52,277
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308 BBG001SS5KV1 584,377 6,533 SH   SOLE   0 0 6,533
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 BBG001S6H5N8 9,132,979 55,808 SH   SOLE   0 0 55,808
INVESCO EXCHANGE TRADED FD T INTL DIVI ACHI 46137V548 BBG001SLKDX3 2,157,968 119,555 SH   SOLE   0 0 119,555
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431 BBG001V28DF5 2,112,360 23,269 SH   SOLE   0 0 23,269
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 10,179,411 68,026 SH   SOLE   0 0 68,026
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258 BBG00KJR2X19 1,212,494 15,635 SH   SOLE   0 0 15,635
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 768,024 2,079 SH   SOLE   0 0 2,079
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 295,395 5,993 SH   SOLE   0 0 5,993
ISHARES INC MSCI EMRG CHN 46434G764 BBG00H5VLN77 406,068 7,812 SH   SOLE   0 0 7,812
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 2,777,110 28,454 SH   SOLE   0 0 28,454
ISHARES TR 0-5YR INVT GR CP 46434V100 BBG005DW0468 4,173,999 86,580 SH   SOLE   0 0 86,580
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 244,304 4,741 SH   SOLE   0 0 4,741
ISHARES TR CORE DIVID ETF 46435U861 BBG00J5M0G99 3,092,153 80,840 SH   SOLE   0 0 80,840
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 769,298 11,397 SH   SOLE   0 0 11,397
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 619,500 9,893 SH   SOLE   0 0 9,893
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 3,015,649 11,533 SH   SOLE   0 0 11,533
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 2,230,665 22,385 SH   SOLE   0 0 22,385
ISHARES TR CORE S&P US VLU 464287663 BBG001SFQL80 4,220,014 53,923 SH   SOLE   0 0 53,923
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 6,727,758 15,094 SH   SOLE   0 0 15,094
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 1,993,974 20,899 SH   SOLE   0 0 20,899
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 1,136,840 19,275 SH   SOLE   0 0 19,275
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 660,494 13,496 SH   SOLE   0 0 13,496
ISHARES TR FALN ANGLS USD 46435G474 BBG00D332C84 1,676,678 66,089 SH   SOLE   0 0 66,089
ISHARES TR FLTG RATE NT ETF 46429B655 BBG001V1QYX1 370,122 7,283 SH   SOLE   0 0 7,283
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 337,214 4,492 SH   SOLE   0 0 4,492
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 550,216 5,088 SH   SOLE   0 0 5,088
ISHARES TR INTERNATIONAL SL 46434V266 BBG008LP7B65 431,592 13,990 SH   SOLE   0 0 13,990
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 451,982 9,009 SH   SOLE   0 0 9,009
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 1,226,778 24,259 SH   SOLE   0 0 24,259
ISHARES TR MRGSTR SM CP GR 464288604 BBG001SBRKD4 649,681 15,689 SH   SOLE   0 0 15,689
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 557,960 7,696 SH   SOLE   0 0 7,696
ISHARES TR MSCI EAFE MIN VL 46429B689 BBG0025X2WP7 1,337,310 19,812 SH   SOLE   0 0 19,812
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 2,814,737 20,870 SH   SOLE   0 0 20,870
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 3,626,365 33,977 SH   SOLE   0 0 33,977
ISHARES TR NEW YORK MUN ETF 464288323 BBG001T03XV5 776,691 14,583 SH   SOLE   0 0 14,583
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 2,213,647 9,082 SH   SOLE   0 0 9,082
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 6,486,268 23,571 SH   SOLE   0 0 23,571
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 8,312,434 52,667 SH   SOLE   0 0 52,667
ISHARES TR RUS TOP 200 ETF 464289446 BBG001T5LBQ8 220,212 2,065 SH   SOLE   0 0 2,065
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 349,259 1,865 SH   SOLE   0 0 1,865
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 998,725 14,170 SH   SOLE   0 0 14,170
ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 638,250 8,510 SH   SOLE   0 0 8,510
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 1,984,155 18,521 SH   SOLE   0 0 18,521
ISHARES TR S&P SML 600 GWT 464287887 BBG001SFQL44 364,788 3,174 SH   SOLE   0 0 3,174
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 676,288 5,969 SH   SOLE   0 0 5,969
ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 578,920 6,088 SH   SOLE   0 0 6,088
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 389,413 7,038 SH   SOLE   0 0 7,038
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 BBG00J5DPW97 5,545,539 125,238 SH   SOLE   0 0 125,238
JANUS DETROIT STR TR HENDERSN SML ETF 47103U209 BBG00C9Y3BD7 1,356,518 21,823 SH   SOLE   0 0 21,823
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 965,644 5,834 SH   SOLE   0 0 5,834
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 1,108,845 7,624 SH   SOLE   0 0 7,624
LILLY ELI & CO COM 532457108 BBG001S5STL8 1,292,509 2,756 SH   SOLE   0 0 2,756
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 BBG001SDX252 56,012 25,460 SH   SOLE   0 0 25,460
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 533,580 1,159 SH   SOLE   0 0 1,159
LOWES COS INC COM 548661107 BBG001S5SVL3 812,520 3,600 SH   SOLE   0 0 3,600
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 374,815 953 SH   SOLE   0 0 953
MERCK & CO INC COM 58933Y105 BBG001S5TC52 1,583,497 13,723 SH   SOLE   0 0 13,723
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 686,743 2,393 SH   SOLE   0 0 2,393
MICROSOFT CORP COM 594918104 BBG001S5TD05 5,623,337 16,513 SH   SOLE   0 0 16,513
MONDELEZ INTL INC CL A 609207105 BBG001SHHZJ3 308,099 4,224 SH   SOLE   0 0 4,224
MORGAN STANLEY COM NEW 617446448 BBG001S9V5Z3 569,960 6,674 SH   SOLE   0 0 6,674
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 237,514 3,201 SH   SOLE   0 0 3,201
NIKE INC CL B 654106103 BBG001S6NTK2 387,519 3,511 SH   SOLE   0 0 3,511
NORFOLK SOUTHN CORP COM 655844108 BBG001S5TQJ6 464,631 2,049 SH   SOLE   0 0 2,049
NUVEEN MUN VALUE FD INC COM 670928100 BBG001S5TS84 661,922 76,083 SH   SOLE   0 0 76,083
NUVEEN N Y SELECT TAX FREE I SH BEN INT 67063V104 BBG001S72H47 587,626 49,461 SH   SOLE   0 0 49,461
NUVEEN NEW JERSEY QULT MUN F COM 67069Y102 BBG001SHM0F8 292,703 25,519 SH   SOLE   0 0 25,519
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 1,326,211 3,135 SH   SOLE   0 0 3,135
ORACLE CORP COM 68389X105 BBG001S5SJG6 2,309,870 19,396 SH   SOLE   0 0 19,396
PEPSICO INC COM 713448108 BBG001S695T1 803,309 4,337 SH   SOLE   0 0 4,337
PFIZER INC COM 717081103 BBG001S5V466 1,330,897 36,284 SH   SOLE   0 0 36,284
PIMCO ETF TR ACTIVE BD ETF 72201R775 BBG002N12C17 329,099 3,592 SH   SOLE   0 0 3,592
PIMCO ETF TR INTER MUN BD ACT 72201R866 BBG001SF6Y39 1,945,244 37,524 SH   SOLE   0 0 37,524
PNC FINL SVCS GROUP INC COM 693475105 BBG001S5V947 415,761 3,301 SH   SOLE   0 0 3,301
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 559,617 3,688 SH   SOLE   0 0 3,688
PROSHARES TR S&P 500 DV ARIST 74348A467 BBG005D266P2 3,611,678 38,308 SH   SOLE   0 0 38,308
PROSHARES TR S&P MDCP 400 DIV 74347B680 BBG0081VJCK3 329,637 4,691 SH   SOLE   0 0 4,691
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 BBG001S5V3C1 286,002 4,568 SH   SOLE   0 0 4,568
QUALCOMM INC COM 747525103 BBG001S6VS70 578,772 4,862 SH   SOLE   0 0 4,862
RAYTHEON TECHNOLOGIES CORP COM 75513E101 BBG001S5X5Q9 362,550 3,701 SH   SOLE   0 0 3,701
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 2,949,994 88,882 SH   SOLE   0 0 88,882
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 212,196 2,922 SH   SOLE   0 0 2,922
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 BBG001S7T223 499,791 14,826 SH   SOLE   0 0 14,826
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 207,899 2,803 SH   SOLE   0 0 2,803
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 BBG001S7T232 337,414 3,144 SH   SOLE   0 0 3,144
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 531,142 3,055 SH   SOLE   0 0 3,055
SHOPIFY INC CL A 82509L107 BBG004DW5NC7 208,270 3,224 SH   SOLE   0 0 3,224
SOUTHERN CO COM 842587107 BBG001S5W777 365,899 5,209 SH   SOLE   0 0 5,209
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,371,065 3,093 SH   SOLE   0 0 3,093
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 BBG001S63NQ1 1,460,676 3,050 SH   SOLE   0 0 3,050
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 1,272,138 27,038 SH   SOLE   0 0 27,038
SPDR SER TR NUVEEN BLOOMBERG 78464A284 BBG001V11QG4 303,596 12,139 SH   SOLE   0 0 12,139
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 2,814,113 72,454 SH   SOLE   0 0 72,454
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 4,832,223 164,138 SH   SOLE   0 0 164,138
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 4,471,362 73,289 SH   SOLE   0 0 73,289
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 4,170,874 96,548 SH   SOLE   0 0 96,548
STRYKER CORPORATION COM 863667101 BBG001S8FR03 546,721 1,792 SH   SOLE   0 0 1,792
SYSCO CORP COM 871829107 BBG001S5WJS8 288,193 3,884 SH   SOLE   0 0 3,884
TEMPLETON EMERGING MKTS INCO COM 880192109 BBG001S5WMJ1 56,650 11,000 SH   SOLE   0 0 11,000
TESLA INC COM 88160R101 BBG001SQKGD7 337,683 1,290 SH   SOLE   0 0 1,290
THE CIGNA GROUP COM 125523100 BBG00KXRCDQ9 287,896 1,026 SH   SOLE   0 0 1,026
TJX COS INC NEW COM 872540109 BBG001S5WQ93 251,657 2,968 SH   SOLE   0 0 2,968
TRANE TECHNOLOGIES PLC SHS G8994E103 BBG001S5SBV6 2,656,219 13,888 SH   SOLE   0 0 13,888
UNILEVER PLC SPON ADR NEW 904767704 BBG001S5X1K4 253,612 4,865 SH   SOLE   0 0 4,865
UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 579,874 3,235 SH   SOLE   0 0 3,235
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 848,330 1,765 SH   SOLE   0 0 1,765
VALLEY NATL BANCORP COM 919794107 BBG001S7H654 87,536 11,295 SH   SOLE   0 0 11,295
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 BBG001SZDBR1 929,357 18,102 SH   SOLE   0 0 18,102
VANECK ETF TRUST IG FLOATING RATE 92189F486 BBG001V14Q53 357,136 14,144 SH   SOLE   0 0 14,144
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387 BBG005T08310 1,750,037 78,477 SH   SOLE   0 0 78,477
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 BBG001TC6MT3 310,047 3,128 SH   SOLE   0 0 3,128
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 BBG001TC6MR5 1,522,250 16,566 SH   SOLE   0 0 16,566
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 551,772 1,950 SH   SOLE   0 0 1,950
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 373,208 1,841 SH   SOLE   0 0 1,841
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 345,258 2,495 SH   SOLE   0 0 2,495
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 454,190 2,063 SH   SOLE   0 0 2,063
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 200,043 2,394 SH   SOLE   0 0 2,394
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 4,736,259 11,629 SH   SOLE   0 0 11,629
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 1,706,432 10,317 SH   SOLE   0 0 10,317
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 7,593,824 53,440 SH   SOLE   0 0 53,440
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 548,236 4,962 SH   SOLE   0 0 4,962
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 782,667 16,505 SH   SOLE   0 0 16,505
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 2,583,618 51,446 SH   SOLE   0 0 51,446
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 4,206,056 53,221 SH   SOLE   0 0 53,221
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 1,154,118 15,254 SH   SOLE   0 0 15,254
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 410,391 2,527 SH   SOLE   0 0 2,527
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 1,086,708 23,532 SH   SOLE   0 0 23,532
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870 BBG01FQJQMT7 356,704 3,550 SH   SOLE   0 0 3,550
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 1,786,842 23,796 SH   SOLE   0 0 23,796
VANGUARD WORLD FD MEGA GRWTH IND 921910816 BBG001T0Y6W9 2,113,409 8,981 SH   SOLE   0 0 8,981
VERTEX PHARMACEUTICALS INC COM 92532F100 BBG001S68LJ8 329,740 937 SH   SOLE   0 0 937
VISA INC COM CL A 92826C839 BBG001SRCFY3 534,093 2,249 SH   SOLE   0 0 2,249
WALMART INC COM 931142103 BBG001S5XH92 421,714 2,683 SH   SOLE   0 0 2,683
WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 496,198 11,626 SH   SOLE   0 0 11,626
WISDOMTREE TR GLB US QTLY DIV 97717W844 BBG001SHL791 1,294,356 36,135 SH   SOLE   0 0 36,135
WISDOMTREE TR ITL HIGH DIV FD 97717W802 BBG001SHLHN3 1,525,954 41,309 SH   SOLE   0 0 41,309
WISDOMTREE TR US MIDCAP FUND 97717W570 BBG001SSZB66 2,990,951 56,497 SH   SOLE   0 0 56,497