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   1,918,025 17,593 SH   SOLE   0 0 17,593
ABBVIE INC COM 00287Y109   2,379,601 17,662 SH   SOLE   0 0 17,662
ABRDN ETFS BBRG ALL COMD K1 003261104   366,716 18,190 SH   SOLE   0 0 18,190
ADVANCED DRAIN SYS INC DEL COM 00790R104   220,278 1,936 SH   SOLE   0 0 1,936
AFLAC INC COM 001055102   471,429 6,754 SH   SOLE   0 0 6,754
AIR PRODS & CHEMS INC COM 009158106   212,991 711 SH   SOLE   0 0 711
ALLSTATE CORP COM 020002101   566,027 5,191 SH   SOLE   0 0 5,191
ALPHABET INC CAP STK CL A 02079K305   671,205 5,609 SH   SOLE   0 0 5,609
ALPHABET INC CAP STK CL C 02079K107   517,686 4,282 SH   SOLE   0 0 4,282
ALPS ETF TR ALERIAN MLP 00162Q452   402,726 10,271 SH   SOLE   0 0 10,271
ALTRIA GROUP INC COM 02209S103   407,903 9,004 SH   SOLE   0 0 9,004
AMAZON COM INC COM 023135106   2,031,594 15,586 SH   SOLE   0 0 15,586
AMAZON COM INC COM 023135106   33,894 260 SH   DFND 1 0 0 260
AMERICAN CENTY ETF TR US SML CP VALU 025072877   752,147 9,691 SH   SOLE   0 0 9,691
AMERICAN EXPRESS CO COM 025816109   225,625 1,295 SH   SOLE   0 0 1,295
AMGEN INC COM 031162100   213,414 961 SH   SOLE   0 0 961
APPLE INC COM 037833100   16,552,830 85,366 SH   SOLE   0 0 85,366
APPLE INC COM 037833100   357,099 1,841 SH   DFND 1 0 0 1,841
AT&T INC COM 00206R102   192,965 12,098 SH   SOLE   0 0 12,098
AT&T INC COM 00206R102   608 38 SH   DFND 1 0 0 38
AUTOMATIC DATA PROCESSING IN COM 053015103   773,001 3,517 SH   SOLE   0 0 3,517
BANK AMERICA CORP COM 060505104   268,040 9,342 SH   SOLE   0 0 9,342
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,035,276 3,036 SH   SOLE   0 0 3,036
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   14,663 43 SH   DFND 1 0 0 43
BOEING CO COM 097023105   678,879 3,215 SH   SOLE   0 0 3,215
BOEING CO COM 097023105   3,590 17 SH   DFND 1 0 0 17
BROADCOM INC COM 11135F101   255,892 295 SH   SOLE   0 0 295
CARNIVAL CORP COMMON STOCK 143658300   270,888 14,386 SH   SOLE   0 0 14,386
CEDAR FAIR L P DEPOSITRY UNIT 150185106   437,112 10,936 SH   SOLE   0 0 10,936
CHEVRON CORP NEW COM 166764100   465,444 2,958 SH   SOLE   0 0 2,958
CHEVRON CORP NEW COM 166764100   2,046 13 SH   DFND 1 0 0 13
CISCO SYS INC COM 17275R102   221,864 4,288 SH   SOLE   0 0 4,288
CLOROX CO DEL COM 189054109   355,918 2,237 SH   SOLE   0 0 2,237
COCA COLA CO COM 191216100   247,956 4,117 SH   SOLE   0 0 4,117
COCA COLA CO COM 191216100   6,263 104 SH   DFND 1 0 0 104
COLGATE PALMOLIVE CO COM 194162103   246,605 3,201 SH   SOLE   0 0 3,201
CONOCOPHILLIPS COM 20825C104   274,256 2,647 SH   SOLE   0 0 2,647
COSTCO WHSL CORP NEW COM 22160K105   305,290 567 SH   SOLE   0 0 567
COSTCO WHSL CORP NEW COM 22160K105   12,383 23 SH   DFND 1 0 0 23
DARDEN RESTAURANTS INC COM 237194105   617,194 3,694 SH   SOLE   0 0 3,694
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   212,281 4,576 SH   SOLE   0 0 4,576
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   30,368,482 1,302,809 SH   SOLE   0 0 1,302,809
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   14,213,729 295,135 SH   SOLE   0 0 295,135
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   432,161 13,155 SH   SOLE   0 0 13,155
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   604,264 22,118 SH   SOLE   0 0 22,118
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   48,538,555 1,787,792 SH   SOLE   0 0 1,787,792
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   482,338 18,174 SH   SOLE   0 0 18,174
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   49,727,589 1,831,587 SH   DFND 1 0 0 1,831,587
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   17,328,027 359,801 SH   DFND 1 0 0 359,801
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   30,292,628 1,299,555 SH   DFND 1 0 0 1,299,555
DISNEY WALT CO COM 254687106   351,382 3,936 SH   SOLE   0 0 3,936
DUKE ENERGY CORP NEW COM NEW 26441C204   264,547 2,947 SH   SOLE   0 0 2,947
EATON CORP PLC SHS G29183103   321,760 1,600 SH   SOLE   0 0 1,600
EMERSON ELEC CO COM 291011104   237,455 2,627 SH   SOLE   0 0 2,627
EXXON MOBIL CORP COM 30231G102   639,477 5,962 SH   SOLE   0 0 5,962
EXXON MOBIL CORP COM 30231G102   79,429 740 SH   DFND 1 0 0 740
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805   1,009,240 22,849 SH   SOLE   0 0 22,849
FIRST TR EXCHNG TRADED FD VI FT CBOE VEST US 33740F680   534,159 15,615 SH   SOLE   0 0 15,615
FIRST TR EXCHNG TRADED FD VI FT CBOE VEST US 33740U307   558,346 14,700 SH   SOLE   0 0 14,700
FIRST TR NAS100 EQ WEIGHTED SHS 337344105   3,127,680 29,258 SH   SOLE   0 0 29,258
FIRST TR NAS100 EQ WEIGHTED SHS 337344105   313,538 2,933 SH   DFND 1 0 0 2,933
FLEXSHARES TR MORNSTAR USMKT 33939L100   420,245 2,493 SH   SOLE   0 0 2,493
FLEXSHARES TR M STAR DEV MKT 33939L803   199,705 3,077 SH   SOLE   0 0 3,077
FLEXSHARES TR MORNSTAR USMKT 33939L100   4,383 26 SH   DFND 1 0 0 26
FLEXSHARES TR M STAR DEV MKT 33939L803   2,856 44 SH   DFND 1 0 0 44
FORD MTR CO DEL COM 345370860   158,757 10,492 SH   SOLE   0 0 10,492
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   52,896 11,136 SH   SOLE   0 0 11,136
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   17,870 3,762 SH   DFND 1 0 0 3,762
GENERAL AMERN INVS CO INC COM 368802104   399,511 9,576 SH   SOLE   0 0 9,576
GENERAL ELECTRIC CO COM NEW 369604301   206,971 1,884 SH   SOLE   0 0 1,884
GENERAL MLS INC COM 370334104   314,240 4,097 SH   SOLE   0 0 4,097
GLOBAL X FDS GLB X MLP ENRG I 37954Y293   410,587 9,877 SH   SOLE   0 0 9,877
HOME DEPOT INC COM 437076102   3,367,378 10,840 SH   SOLE   0 0 10,840
HONEYWELL INTL INC COM 438516106   544,623 2,624 SH   SOLE   0 0 2,624
ING GROEP N.V. SPONSORED ADR 456837103   184,552 13,701 SH   SOLE   0 0 13,701
INNOVATOR ETFS TR US EQTY BUF SEP 45782C664   281,849 8,181 SH   SOLE   0 0 8,181
INNOVATOR ETFS TR US EQTY ULTRA BU 45782C565   1,481,094 48,150 SH   SOLE   0 0 48,150
INNOVATOR ETFS TR US EQT ULTRA BF 45782C839   3,011,242 104,557 SH   SOLE   0 0 104,557
INNOVATOR ETFS TR US EQT ULTRA BFR 45782C425   1,440,554 51,763 SH   SOLE   0 0 51,763
INNOVATOR ETFS TR US EQTY ULTRA B 45782C532   1,503,995 49,818 SH   SOLE   0 0 49,818
INNOVATOR ETFS TR US EQT ULTRA BF 45782C672   1,773,508 61,531 SH   SOLE   0 0 61,531
INNOVATOR ETFS TR US EQT ULTRA BF 45782C300   1,603,966 49,006 SH   SOLE   0 0 49,006
INNOVATOR ETFS TR US EQT ULTRA BF 45782C292   1,540,900 55,131 SH   SOLE   0 0 55,131
INNOVATOR ETFS TR US EQTY ULTRA B 45782C821   1,483,882 49,678 SH   SOLE   0 0 49,678
INNOVATOR ETFS TR US EQTY PWR BUF 45782C656   295,535 9,035 SH   SOLE   0 0 9,035
INNOVATOR ETFS TR US EQTY ULTRA B 45782C649   1,638,585 55,912 SH   SOLE   0 0 55,912
INNOVATOR ETFS TR US EQT ULTRA BF 45782C805   1,564,349 60,017 SH   SOLE   0 0 60,017
INNOVATOR ETFS TR DEFINED WLT SHLD 45783Y855   1,417,119 50,811 SH   SOLE   0 0 50,811
INNOVATOR ETFS TR US EQT ULTRA BF 45782C375   1,518,631 50,520 SH   SOLE   0 0 50,520
INNOVATOR ETFS TR US EQT ULTRA BF 45782C730   3,758,873 131,476 SH   SOLE   0 0 131,476
INNOVATOR ETFS TR US EQT ULTRA BF 45782C805   1,372,901 52,672 SH   DFND 1 0 0 52,672
INNOVATOR ETFS TR US EQT ULTRA BF 45782C292   1,365,711 48,863 SH   DFND 1 0 0 48,863
INNOVATOR ETFS TR US EQTY ULTRA BU 45782C565   1,427,141 46,396 SH   DFND 1 0 0 46,396
INNOVATOR ETFS TR US EQTY ULTRA B 45782C821   1,442,602 48,296 SH   DFND 1 0 0 48,296
INNOVATOR ETFS TR US EQT ULTRA BFR 45782C425   1,381,443 49,639 SH   DFND 1 0 0 49,639
INNOVATOR ETFS TR US EQT ULTRA BF 45782C300   1,439,858 43,992 SH   DFND 1 0 0 43,992
INNOVATOR ETFS TR US EQTY ULTRA B 45782C649   1,432,443 48,878 SH   DFND 1 0 0 48,878
INNOVATOR ETFS TR US EQTY ULTRA B 45782C532   1,403,946 46,504 SH   DFND 1 0 0 46,504
INNOVATOR ETFS TR US EQT ULTRA BF 45782C730   1,365,106 47,748 SH   DFND 1 0 0 47,748
INNOVATOR ETFS TR US EQT ULTRA BF 45782C375   1,387,419 46,155 SH   DFND 1 0 0 46,155
INNOVATOR ETFS TR US EQT ULTRA BF 45782C839   1,444,090 50,142 SH   DFND 1 0 0 50,142
INNOVATOR ETFS TR US EQT ULTRA BF 45782C672   1,312,484 45,536 SH   DFND 1 0 0 45,536
INTERNATIONAL BUSINESS MACHS COM 459200101   341,950 2,555 SH   SOLE   0 0 2,555
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887   2,495,006 50,262 SH   SOLE   0 0 50,262
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   705,433 51,851 SH   SOLE   0 0 51,851
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   3,666,304 58,371 SH   SOLE   0 0 58,371
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870   256,187 11,514 SH   SOLE   0 0 11,514
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   4,033,491 64,217 SH   DFND 1 0 0 64,217
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870   31,039 1,395 SH   DFND 1 0 0 1,395
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   323,731 15,738 SH   SOLE   0 0 15,738
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   340,541 16,086 SH   SOLE   0 0 16,086
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   72,740 3,436 SH   DFND 1 0 0 3,436
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   67,799 3,296 SH   DFND 1 0 0 3,296
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233   1,520,626 4,348 SH   SOLE   0 0 4,348
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233   152,482 436 SH   DFND 1 0 0 436
INVESCO QQQ TR UNIT SER 1 46090E103   4,616,627 12,496 SH   SOLE   0 0 12,496
INVESCO QQQ TR UNIT SER 1 46090E103   326,567 884 SH   DFND 1 0 0 884
ISHARES INC MSCI SWITZERLAND 464286749   1,086,369 23,509 SH   SOLE   0 0 23,509
ISHARES INC ESG AWR MSCI EM 46434G863   7,722,963 244,168 SH   SOLE   0 0 244,168
ISHARES INC CORE MSCI EMKT 46434G103   570,551 11,575 SH   SOLE   0 0 11,575
ISHARES INC MSCI TAIWAN ETF 46434G772   1,024,728 21,793 SH   SOLE   0 0 21,793
ISHARES INC ESG AWR MSCI EM 46434G863   8,402,106 265,639 SH   DFND 1 0 0 265,639
ISHARES INC CORE MSCI EMKT 46434G103   366,638 7,438 SH   DFND 1 0 0 7,438
ISHARES TR RUS MDCP VAL ETF 464287473   218,142 1,986 SH   SOLE   0 0 1,986
ISHARES TR CORE US AGGBD ET 464287226   849,912 8,677 SH   SOLE   0 0 8,677
ISHARES TR US CONSM STAPLES 464287812   877,195 4,379 SH   SOLE   0 0 4,379
ISHARES TR RUSSELL 3000 ETF 464287689   347,009 1,363 SH   SOLE   0 0 1,363
ISHARES TR CORE S&P500 ETF 464287200   2,805,633 6,296 SH   SOLE   0 0 6,296
ISHARES TR RUS MID CAP ETF 464287499   372,161 5,096 SH   SOLE   0 0 5,096
ISHARES TR GLOBAL TECH ETF 464287291   1,664,332 26,762 SH   SOLE   0 0 26,762
ISHARES TR MRGSTR MD CP GRW 464288307   206,526 3,389 SH   SOLE   0 0 3,389
ISHARES TR U.S. ENERGY ETF 464287796   407,368 9,509 SH   SOLE   0 0 9,509
ISHARES TR SHRT NAT MUN ETF 464288158   228,497 2,196 SH   SOLE   0 0 2,196
ISHARES TR TIPS BD ETF 464287176   1,793,767 16,667 SH   SOLE   0 0 16,667
ISHARES TR CORE S&P SCP ETF 464287804   1,147,701 11,517 SH   SOLE   0 0 11,517
ISHARES TR RUS 1000 ETF 464287622   237,647 975 SH   SOLE   0 0 975
ISHARES TR CORE S&P TTL STK 464287150   923,797 9,441 SH   SOLE   0 0 9,441
ISHARES TR US HLTHCARE ETF 464287762   650,456 2,320 SH   SOLE   0 0 2,320
ISHARES TR 1 3 YR TREAS BD 464287457   875,329 10,795 SH   SOLE   0 0 10,795
ISHARES TR IBOXX HI YD ETF 464288513   377,257 5,029 SH   SOLE   0 0 5,029
ISHARES TR S&P 500 GRWT ETF 464287309   1,503,127 21,327 SH   SOLE   0 0 21,327
ISHARES TR US CONSUM DISCRE 464287580   390,070 5,481 SH   SOLE   0 0 5,481
ISHARES TR U.S. TECH ETF 464287721   7,420,392 68,161 SH   SOLE   0 0 68,161
ISHARES TR ISHARES SEMICDTR 464287523   2,098,965 4,137 SH   SOLE   0 0 4,137
ISHARES TR EXPND TEC SC ETF 464287549   216,030 549 SH   SOLE   0 0 549
ISHARES TR MSCI EAFE ETF 464287465   3,330,288 45,935 SH   SOLE   0 0 45,935
ISHARES TR CORE S&P MCP ETF 464287507   2,494,519 9,540 SH   SOLE   0 0 9,540
ISHARES TR DOW JONES US ETF 464287846   691,423 6,383 SH   SOLE   0 0 6,383
ISHARES TR S&P 500 VAL ETF 464287408   1,140,903 7,078 SH   SOLE   0 0 7,078
ISHARES TR JPMORGAN USD EMG 464288281   604,226 6,982 SH   SOLE   0 0 6,982
ISHARES TR IBOXX INV CP ETF 464287242   856,144 7,917 SH   SOLE   0 0 7,917
ISHARES TR NATIONAL MUN ETF 464288414   419,790 3,935 SH   SOLE   0 0 3,935
ISHARES TR US TREAS BD ETF 46429B267   163,535 7,141 SH   SOLE   0 0 7,141
ISHARES TR CORE DIV GRWTH 46434V621   3,537,442 68,648 SH   SOLE   0 0 68,648
ISHARES TR 10-20 YR TRS ETF 464288653   1,697,570 15,325 SH   SOLE   0 0 15,325
ISHARES TR MSCI USA QLT FCT 46432F339   10,817,248 80,204 SH   SOLE   0 0 80,204
ISHARES TR CORE TOTAL USD 46434V613   516,537 11,364 SH   SOLE   0 0 11,364
ISHARES TR U.S. MED DVC ETF 464288810   1,111,536 19,687 SH   SOLE   0 0 19,687
ISHARES TR MBS ETF 464288588   1,376,158 14,755 SH   SOLE   0 0 14,755
ISHARES TR FLTG RATE NT ETF 46429B655   4,136,087 81,387 SH   SOLE   0 0 81,387
ISHARES TR MSCI USA MIN VOL 46429B697   245,808 3,306 SH   SOLE   0 0 3,306
ISHARES TR EAFE VALUE ETF 464288877   511,710 10,455 SH   SOLE   0 0 10,455
ISHARES TR US INFRASTRUC 46435U713   1,326,395 33,940 SH   SOLE   0 0 33,940
ISHARES TR ESG AWR MSCI USA 46435G425   20,546,684 210,825 SH   SOLE   0 0 210,825
ISHARES TR 0-5 YR TIPS ETF 46429B747   1,856,269 19,019 SH   SOLE   0 0 19,019
ISHARES TR EAFE GRWTH ETF 464288885   737,367 7,728 SH   SOLE   0 0 7,728
ISHARES TR RUS TP200 GR ETF 464289438   258,611 1,631 SH   SOLE   0 0 1,631
ISHARES TR NATIONAL MUN ETF 464288414   509,102 4,770 SH   DFND 1 0 0 4,770
ISHARES TR US TREAS BD ETF 46429B267   205,419 8,970 SH   DFND 1 0 0 8,970
ISHARES TR FLTG RATE NT ETF 46429B655   123,239 2,425 SH   DFND 1 0 0 2,425
ISHARES TR CORE DIV GRWTH 46434V621   325,103 6,309 SH   DFND 1 0 0 6,309
ISHARES TR JPMORGAN USD EMG 464288281   692,150 7,998 SH   DFND 1 0 0 7,998
ISHARES TR US INFRASTRUC 46435U713   1,457,000 37,282 SH   DFND 1 0 0 37,282
ISHARES TR ESG AWR MSCI USA 46435G425   22,240,051 228,200 SH   DFND 1 0 0 228,200
ISHARES TR MSCI USA MIN VOL 46429B697   271,779 3,656 SH   DFND 1 0 0 3,656
ISHARES TR S&P 500 GRWT ETF 464287309   36,509 518 SH   DFND 1 0 0 518
ISHARES TR U.S. ENERGY ETF 464287796   46 1 SH   DFND 1 0 0 1
ISHARES TR TIPS BD ETF 464287176   3,229 30 SH   DFND 1 0 0 30
ISHARES TR CORE S&P MCP ETF 464287507   19,088 73 SH   DFND 1 0 0 73
ISHARES TR CORE US AGGBD ET 464287226   8,913 91 SH   DFND 1 0 0 91
ISHARES TR 1 3 YR TREAS BD 464287457   889,518 10,970 SH   DFND 1 0 0 10,970
ISHARES TR SHRT NAT MUN ETF 464288158   323,694 3,111 SH   DFND 1 0 0 3,111
ISHARES TR CORE S&P500 ETF 464287200   2,354,129 5,283 SH   DFND 1 0 0 5,283
ISHARES TR U.S. MED DVC ETF 464288810   198,739 3,520 SH   DFND 1 0 0 3,520
ISHARES TR CORE S&P SCP ETF 464287804   15,147 152 SH   DFND 1 0 0 152
ISHARES TR EAFE VALUE ETF 464288877   546,396 11,164 SH   DFND 1 0 0 11,164
ISHARES TR 10-20 YR TRS ETF 464288653   1,894,519 17,103 SH   DFND 1 0 0 17,103
ISHARES TR CORE TOTAL USD 46434V613   602,475 13,254 SH   DFND 1 0 0 13,254
ISHARES TR U.S. TECH ETF 464287721   6,286,660 57,747 SH   DFND 1 0 0 57,747
ISHARES TR GLOBAL TECH ETF 464287291   267,353 4,298 SH   DFND 1 0 0 4,298
ISHARES TR EAFE GRWTH ETF 464288885   770,252 8,073 SH   DFND 1 0 0 8,073
ISHARES TR RUS MID CAP ETF 464287499   1,607 22 SH   DFND 1 0 0 22
ISHARES TR US HLTHCARE ETF 464287762   623,896 2,226 SH   DFND 1 0 0 2,226
ISHARES TR MSCI EAFE ETF 464287465   320,088 4,415 SH   DFND 1 0 0 4,415
ISHARES TR MBS ETF 464288588   1,564,647 16,776 SH   DFND 1 0 0 16,776
ISHARES TR RUS 1000 ETF 464287622   4,144 17 SH   DFND 1 0 0 17
ISHARES TR MSCI USA QLT FCT 46432F339   11,860,467 87,939 SH   DFND 1 0 0 87,939
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   210,266 4,229 SH   SOLE   0 0 4,229
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   726,186 14,555 SH   SOLE   0 0 14,555
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   846,172 16,960 SH   DFND 1 0 0 16,960
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   16,010 322 SH   DFND 1 0 0 322
J P MORGAN EXCHANGE TRADED F US MOMENTUM 46641Q779   845,831 19,963 SH   SOLE   0 0 19,963
J P MORGAN EXCHANGE TRADED F US MOMENTUM 46641Q779   883,413 20,850 SH   DFND 1 0 0 20,850
JOHNSON & JOHNSON COM 478160104   720,520 4,354 SH   SOLE   0 0 4,354
JPMORGAN CHASE & CO COM 46625H100   451,842 3,106 SH   SOLE   0 0 3,106
JPMORGAN CHASE & CO COM 46625H100   3,636 25 SH   DFND 1 0 0 25
LILLY ELI & CO COM 532457108   349,859 746 SH   SOLE   0 0 746
LOCKHEED MARTIN CORP COM 539830109   203,965 443 SH   SOLE   0 0 443
LOCKHEED MARTIN CORP COM 539830109   1,842 4 SH   DFND 1 0 0 4
LOWES COS INC COM 548661107   329,618 1,460 SH   SOLE   0 0 1,460
LOWES COS INC COM 548661107   2,031 9 SH   DFND 1 0 0 9
MARATHON PETE CORP COM 56585A102   278,557 2,389 SH   SOLE   0 0 2,389
MARRIOTT INTL INC NEW CL A 571903202   1,856,739 10,108 SH   SOLE   0 0 10,108
MCDONALDS CORP COM 580135101   556,506 1,866 SH   SOLE   0 0 1,866
MERCK & CO INC COM 58933Y105   448,716 3,888 SH   SOLE   0 0 3,888
META PLATFORMS INC CL A 30303M102   911,448 3,176 SH   SOLE   0 0 3,176
META PLATFORMS INC CL A 30303M102   28,698 100 SH   DFND 1 0 0 100
MICROSOFT CORP COM 594918104   2,461,889 7,230 SH   SOLE   0 0 7,230
MICROSOFT CORP COM 594918104   17,027 50 SH   DFND 1 0 0 50
MONDELEZ INTL INC CL A 609207105   406,001 5,566 SH   SOLE   0 0 5,566
MORGAN STANLEY COM NEW 617446448   680,296 7,966 SH   SOLE   0 0 7,966
NETFLIX INC COM 64110L106   316,272 718 SH   SOLE   0 0 718
NEXTERA ENERGY INC COM 65339F101   550,564 7,420 SH   SOLE   0 0 7,420
NORDSON CORP COM 655663102   601,802 2,424 SH   SOLE   0 0 2,424
NORFOLK SOUTHN CORP COM 655844108   792,454 3,494 SH   SOLE   0 0 3,494
NOVARTIS AG SPONSORED ADR 66987V109   349,956 3,468 SH   SOLE   0 0 3,468
NUCOR CORP COM 670346105   232,852 1,420 SH   SOLE   0 0 1,420
NVIDIA CORPORATION COM 67066G104   484,359 1,145 SH   SOLE   0 0 1,145
PEPSICO INC COM 713448108   799,780 4,318 SH   SOLE   0 0 4,318
PFIZER INC COM 717081103   348,161 9,491 SH   SOLE   0 0 9,491
PHILIP MORRIS INTL INC COM 718172109   851,494 8,722 SH   SOLE   0 0 8,722
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   3,999,678 40,093 SH   SOLE   0 0 40,093
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   100,857 1,011 SH   DFND 1 0 0 1,011
PROCTER AND GAMBLE CO COM 742718109   495,948 3,268 SH   SOLE   0 0 3,268
PRUDENTIAL FINL INC COM 744320102   201,847 2,288 SH   SOLE   0 0 2,288
QUALCOMM INC COM 747525103   344,502 2,894 SH   SOLE   0 0 2,894
RAYTHEON TECHNOLOGIES CORP COM 75513E101   253,520 2,588 SH   SOLE   0 0 2,588
ROYAL BK CDA COM 780087102   357,685 3,745 SH   SOLE   0 0 3,745
ROYAL BK CDA COM 780087102   12,130 127 SH   DFND 1 0 0 127
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   327,410 9,184 SH   SOLE   0 0 9,184
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   253,590 10,296 SH   SOLE   0 0 10,296
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   567,521 3,264 SH   SOLE   0 0 3,264
SELECT SECTOR SPDR TR ENERGY 81369Y506   907,604 11,182 SH   SOLE   0 0 11,182
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   916,308 6,903 SH   SOLE   0 0 6,903
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   844,295 4,972 SH   SOLE   0 0 4,972
SOUTHERN CO COM 842587107   751,394 10,696 SH   SOLE   0 0 10,696
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   3,976,625 11,565 SH   SOLE   0 0 11,565
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   309,809 901 SH   DFND 1 0 0 901
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   6,860,833 210,843 SH   SOLE   0 0 210,843
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   497,857 14,481 SH   SOLE   0 0 14,481
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   8,904 259 SH   DFND 1 0 0 259
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   5,147,275 158,182 SH   DFND 1 0 0 158,182
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,788,936 8,547 SH   SOLE   0 0 8,547
SPDR S&P 500 ETF TR TR UNIT 78462F103   161,797 365 SH   DFND 1 0 0 365
SPDR SER TR S&P 400 MDCP VAL 78464A839   246,370 3,582 SH   SOLE   0 0 3,582
SPDR SER TR PORTFOLIO SHORT 78464A474   2,546,766 86,507 SH   SOLE   0 0 86,507
SPDR SER TR PORTFOLIO AGRGTE 78464A649   2,784,935 109,772 SH   SOLE   0 0 109,772
SPDR SER TR PRTFLO S&P500 GW 78464A409   550,066 9,016 SH   SOLE   0 0 9,016
SPDR SER TR PORTFOLI S&P1500 78464A805   2,430,102 44,638 SH   SOLE   0 0 44,638
SPDR SER TR PORTFOLIO SH TSR 78468R101   419,845 14,583 SH   SOLE   0 0 14,583
SPDR SER TR PORTFOLIO S&P500 78464A854   28,112,981 539,493 SH   SOLE   0 0 539,493
SPDR SER TR PRTFLO S&P500 VL 78464A508   471,182 10,907 SH   SOLE   0 0 10,907
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   1,378,861 15,017 SH   SOLE   0 0 15,017
SPDR SER TR S&P 600 SMCP VAL 78464A300   1,015,021 13,149 SH   SOLE   0 0 13,149
SPDR SER TR S&P DIVID ETF 78464A763   232,289 1,895 SH   SOLE   0 0 1,895
SPDR SER TR PRTFLO S&P500 VL 78464A508   50,760 1,175 SH   DFND 1 0 0 1,175
SPDR SER TR PRTFLO S&P500 GW 78464A409   70,711 1,159 SH   DFND 1 0 0 1,159
SPDR SER TR PORTFOLIO SHORT 78464A474   1,678 57 SH   DFND 1 0 0 57
SPDR SER TR PORTFOLIO AGRGTE 78464A649   3,218,787 126,873 SH   DFND 1 0 0 126,873
SPDR SER TR PORTFOLIO S&P500 78464A854   28,897,966 554,557 SH   DFND 1 0 0 554,557
SPDR SER TR S&P 400 MDCP VAL 78464A839   1,995 29 SH   DFND 1 0 0 29
SPDR SER TR S&P 600 SMCP VAL 78464A300   1,930 25 SH   DFND 1 0 0 25
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   314,318 7,507 SH   SOLE   0 0 7,507
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   32,826 784 SH   DFND 1 0 0 784
TESLA INC COM 88160R101   1,223,157 4,679 SH   SOLE   0 0 4,679
THE REAL BROKERAGE INC COM NEW 75585H206   41,714 21,840 SH   SOLE   0 0 21,840
TJX COS INC NEW COM 872540109   360,933 4,256 SH   SOLE   0 0 4,256
TJX COS INC NEW COM 872540109   1,696 20 SH   DFND 1 0 0 20
UNITED PARCEL SERVICE INC CL B 911312106   541,603 3,021 SH   SOLE   0 0 3,021
UNITEDHEALTH GROUP INC COM 91324P102   483,043 1,005 SH   SOLE   0 0 1,005
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,426,315 32,106 SH   SOLE   0 0 32,106
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,817,909 24,164 SH   SOLE   0 0 24,164
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   1,643,896 21,942 SH   SOLE   0 0 21,942
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   1,293,945 17,271 SH   DFND 1 0 0 17,271
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,385,112 18,411 SH   DFND 1 0 0 18,411
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,702,221 35,757 SH   DFND 1 0 0 35,757
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   2,652,772 54,271 SH   SOLE   0 0 54,271
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   2,965,506 60,669 SH   DFND 1 0 0 60,669
VANGUARD INDEX FDS GROWTH ETF 922908736   13,897,735 49,116 SH   SOLE   0 0 49,116
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   206 1 SH   DFND 1 0 0 1
VANGUARD INDEX FDS VALUE ETF 922908744   12,274,326 86,381 SH   SOLE   0 0 86,381
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,214,941 5,516 SH   SOLE   0 0 5,516
VANGUARD INDEX FDS SM CP VAL ETF 922908611   165 1 SH   DFND 1 0 0 1
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   360,370 4,313 SH   SOLE   0 0 4,313
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,015,224 15,160 SH   SOLE   0 0 15,160
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,611,211 13,129 SH   DFND 1 0 0 13,129
VANGUARD INDEX FDS VALUE ETF 922908744   10,027,125 70,564 SH   DFND 1 0 0 70,564
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,588 19 SH   DFND 1 0 0 19
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   415 3 SH   DFND 1 0 0 3
VANGUARD INDEX FDS GROWTH ETF 922908736   11,302,884 39,945 SH   DFND 1 0 0 39,945
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   637,403 1,565 SH   SOLE   0 0 1,565
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   448,425 3,013 SH   SOLE   0 0 3,013
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,227,943 6,057 SH   SOLE   0 0 6,057
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   9,674 65 SH   DFND 1 0 0 65
VANGUARD INDEX FDS SM CP VAL ETF 922908611   446,332 2,698 SH   SOLE   0 0 2,698
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   429,236 2,086 SH   SOLE   0 0 2,086
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,443,585 10,432 SH   SOLE   0 0 10,432
VANGUARD INDEX FDS SML CP GRW ETF 922908595   420,884 1,832 SH   SOLE   0 0 1,832
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   270,363 4,969 SH   SOLE   0 0 4,969
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   4,603,258 113,158 SH   SOLE   0 0 113,158
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,727,334 91,626 SH   DFND 1 0 0 91,626
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   2,920,138 58,146 SH   DFND 1 0 0 58,146
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   2,713,131 54,024 SH   SOLE   0 0 54,024
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   1,236,777 26,892 SH   SOLE   0 0 26,892
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   517,346 8,143 SH   SOLE   0 0 8,143
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   830,747 10,980 SH   SOLE   0 0 10,980
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   374,235 6,482 SH   SOLE   0 0 6,482
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   20,731 274 SH   DFND 1 0 0 274
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   21,187 367 SH   DFND 1 0 0 367
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   624,775 9,834 SH   DFND 1 0 0 9,834
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   1,418,161 30,836 SH   DFND 1 0 0 30,836
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   202,713 1,248 SH   SOLE   0 0 1,248
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   650 4 SH   DFND 1 0 0 4
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   12,860,099 278,481 SH   SOLE   0 0 278,481
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   11,279,288 244,249 SH   DFND 1 0 0 244,249
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,033,031 9,739 SH   SOLE   0 0 9,739
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   30,548 288 SH   DFND 1 0 0 288
VANGUARD WORLD FDS MATERIALS ETF 92204A801   3,136,435 17,236 SH   SOLE   0 0 17,236
VANGUARD WORLD FDS INF TECH ETF 92204A702   718,982 1,626 SH   SOLE   0 0 1,626
VANGUARD WORLD FDS UTILITIES ETF 92204A876   300,605 2,114 SH   SOLE   0 0 2,114
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   433,375 2,228 SH   SOLE   0 0 2,228
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   726,172 2,966 SH   SOLE   0 0 2,966
VANGUARD WORLD FDS MATERIALS ETF 92204A801   316,082 1,737 SH   DFND 1 0 0 1,737
VEEVA SYS INC CL A COM 922475108   1,356,230 6,859 SH   SOLE   0 0 6,859
VERIZON COMMUNICATIONS INC COM 92343V104   632 17 SH   DFND 1 0 0 17
VERIZON COMMUNICATIONS INC COM 92343V104   204,366 5,495 SH   SOLE   0 0 5,495
VISA INC COM CL A 92826C839   23,748 100 SH   DFND 1 0 0 100
VISA INC COM CL A 92826C839   267,640 1,127 SH   SOLE   0 0 1,127
VOYA FINANCIAL INC COM 929089100   867,548 12,098 SH   SOLE   0 0 12,098
WALMART INC COM 931142103   882,566 5,615 SH   SOLE   0 0 5,615
WISDOMTREE TR YIELD ENHANCD US 97717X511   116,300 2,699 SH   DFND 1 0 0 2,699
WISDOMTREE TR EUROPE HEDGED EQ 97717X701   213,926 2,613 SH   SOLE   0 0 2,613
WISDOMTREE TR EUROPE HEDGED EQ 97717X701   4,585 56 SH   DFND 1 0 0 56
WISDOMTREE TR YIELD ENHANCD US 97717X511   435,597 10,109 SH   SOLE   0 0 10,109