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
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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
AES Corporation COM 00130H105   2,706 178 SH   SOLE   178 0 0
AT&T Inc. COM 00206R102   164,905 10,979 SH   SOLE   10,979 0 0
ARK Innovation ETF INNOVATION ETF 00214Q104   7,934 200 SH   SOLE   200 0 0
AbbVie Inc. COM 00287Y109   1,910,502 12,817 SH   SOLE   12,817 0 0
Adobe Inc. COM 00724F101   555,791 1,090 SH   SOLE   1,090 0 0
Agilent Technologies Inc. COM 00846U101   52,220 467 SH   SOLE   467 0 0
Agnico Eagle Mines LTD COM 008474108   4,181 92 SH   SOLE   92 0 0
Air Products & Chemicals Inc. COM 009158106   20,121 71 SH   SOLE   71 0 0
The Allstate Corporation COM 020002101   113,415 1,018 SH   SOLE   1,018 0 0
Alphabet Inc. Class C CAP STK CL C 02079K107   161,253 1,223 SH   SOLE   1,223 0 0
Alphabet Inc. Class A CAP STK CL A 02079K305   1,326,397 10,136 SH   SOLE   10,136 0 0
Altria Group Inc. COM 02209S103   527,433 12,543 SH   SOLE   12,543 0 0
Amazon.com Inc. COM 023135106   448,988 3,532 SH   SOLE   3,532 0 0
American Electric Power Co. Inc. COM 025537101   618,685 8,225 SH   SOLE   8,225 0 0
American Express Co. COM 025816109   33,120 222 SH   SOLE   222 0 0
Ameriprise Financial Inc COM 03076C106   60,991 185 SH   SOLE   185 0 0
Amgen Inc. COM 031162100   304,236 1,132 SH   SOLE   1,132 0 0
Anheuser-Busch InBev SA/NV SPONSORED ADR 03524A108   9,678 175 SH   SOLE   175 0 0
Antero Midstream Corp COM 03676B102   11,681 975 SH   SOLE   975 0 0
Apple Inc. COM 037833100   3,126,123 18,259 SH   SOLE   18,259 0 0
Applied Materials Inc. COM 038222105   205,598 1,485 SH   SOLE   1,485 0 0
Ares Capital Corp. COM 04010L103   27,044 1,389 SH   SOLE   1,389 0 0
Autodesk Inc. COM 052769106   39,106 189 SH   SOLE   189 0 0
Automatic Data Processing Inc. COM 053015103   98,397 409 SH   SOLE   409 0 0
Bain Capital Specialty Finance Inc COM STK 05684B107   5,205 340 SH   SOLE   340 0 0
Bank of America Corp. COM 060505104   175,588 6,413 SH   SOLE   6,413 0 0
Berkshire Hathaway Inc Class B CL B NEW 084670702   179,704 513 SH   SOLE   513 0 0
Beyond Meat Inc COM 08862E109   1,549 161 SH   SOLE   161 0 0
Biomarin Pharmaceutical Inc Common COM 09061G101   3,362 38 SH   SOLE   38 0 0
Biogen Inc. COM 09062X103   53,715 209 SH   SOLE   209 0 0
Blackrock Inc. COM 09247X101   1,466,886 2,269 SH   SOLE   2,269 0 0
BlackRock Capital Allocation Term Trust COM 09260U109   10,868 750 SH   SOLE   750 0 0
BorgWarner Inc COM 099724106   27,088 671 SH   SOLE   671 0 0
British American Tobacco PLC SPONSORED ADR 110448107   2,419 77 SH   SOLE   77 0 0
Broadcom Ltd, Singapore Shs COM 11135F101   4,153 5 SH   SOLE   5 0 0
CritiTech, Inc COM 115000000   116,960 476,088 SH   SOLE   476,088 0 0
Cigna Group COM 125523100   94,403 330 SH   SOLE   330 0 0
CVR Energy Inc. COM 12662P108   28,926 850 SH   SOLE   850 0 0
CVS Health Corp. COM 126650100   633,267 9,070 SH   SOLE   9,070 0 0
Coterra Energy Inc. (formerly Cabot Oil & Gas) COM 127097103   10,387 384 SH   SOLE   384 0 0
Cadence Design Systems Inc COM 127387108   570,989 2,437 SH   SOLE   2,437 0 0
Cameco Corp. COM 13321L108   17,124 432 SH   SOLE   432 0 0
Capital One Financial Corp. COM 14040H105   2,329 24 SH   SOLE   24 0 0
Carnival Corp. COMMON STOCK 143658300   2,744 200 SH   SOLE   200 0 0
Carrier Global Corp Ordinary Shares COM 14448C104   5,520 100 SH   SOLE   100 0 0
Caterpillar Inc. COM 149123101   796,341 2,917 SH   SOLE   2,917 0 0
Cenovus Energy Inc. COM 15135U109   13,033 626 SH   SOLE   626 0 0
Centerpoint Energy Inc. COM 15189T107   8,055 300 SH   SOLE   300 0 0
Chevron Corp. COM 166764100   1,303,770 7,732 SH   SOLE   7,732 0 0
Church & Dwight Co. Inc. COM 171340102   17,868 195 SH   SOLE   195 0 0
Cisco Systems Inc COM 17275R102   1,469,476 27,334 SH   SOLE   27,334 0 0
Cintas Corp. COM 172908105   78,405 163 SH   SOLE   163 0 0
Citigroup Inc. COM NEW 172967424   78,517 1,909 SH   SOLE   1,909 0 0
Coca-Cola Co. COM 191216100   55,980 1,000 SH   SOLE   1,000 0 0
Colgate-Palmolive Co. COM 194162103   7,111 100 SH   SOLE   100 0 0
Comcast Corp. Cl A CL A 20030N101   22,436 506 SH   SOLE   506 0 0
Comerica Inc. COM 200340107   7,770 187 SH   SOLE   187 0 0
Compass Minerals International Inc. COM 20451N101   839 30 SH   SOLE   30 0 0
ConocoPhillips COM 20825C104   27,913 233 SH   SOLE   233 0 0
Core Laboratories Inc COM 21867A105   9,364 390 SH   SOLE   390 0 0
Corteva Inc. COM 22052L104   2,763 54 SH   SOLE   54 0 0
Costco Wholesale Corp. COM 22160K105   18,079 32 SH   SOLE   32 0 0
CrowdStrike Holdings Inc Class A CL A 22788C105   6,695 40 SH   SOLE   40 0 0
Crown Castle International Corp COM 22822V101   372,353 4,046 SH   SOLE   4,046 0 0
Cummins, Inc. COM 231021106   92,069 403 SH   SOLE   403 0 0
DNP Select Income (CEF) COM 23325P104   4,808 505 SH   SOLE   505 0 0
DTE Energy Co. COM 233331107   2,383 24 SH   SOLE   24 0 0
Deere & Company COM 244199105   86,420 229 SH   SOLE   229 0 0
Devon Energy Corp. COM 25179M103   954 20 SH   SOLE   20 0 0
Diamondback Energy Inc Common COM 25278X109   11,616 75 SH   SOLE   75 0 0
Walt Disney Co. COM 254687106   103,744 1,280 SH   SOLE   1,280 0 0
Dominion Energy Inc. COM 25746U109   4,244 95 SH   SOLE   95 0 0
Dominos Pizza Inc Common COM 25754A201   2,652 7 SH   SOLE   7 0 0
Douglas Elliman Inc COM 25961D105   396 175 SH   SOLE   175 0 0
Dow Inc. COM 260557103   762,418 14,787 SH   SOLE   14,787 0 0
DuPont de Nemours Inc. COM 26614N102   4,028 54 SH   SOLE   54 0 0
EOG Resources Inc. COM 26875P101   225,379 1,778 SH   SOLE   1,778 0 0
eBay Inc. COM 278642103   2,381 54 SH   SOLE   54 0 0
Ecolab Inc. COM 278865100   2,372 14 SH   SOLE   14 0 0
Emerson Electric Co. COM 291011104   993,898 10,292 SH   SOLE   10,292 0 0
Enbridge Inc. COM 29250N105   389,883 11,747 SH   SOLE   11,747 0 0
Enerpac Tool Group Corp Class A CL A COM 292765104   13,374 506 SH   SOLE   506 0 0
Essex Property Trust Inc. COM 297178105   44,115 208 SH   SOLE   208 0 0
Evergy Inc. COM 30034W106   114,734 2,263 SH   SOLE   2,263 0 0
Expeditors Intl Wash COM 302130109   16,965 148 SH   SOLE   148 0 0
Exxon Mobil Corp. COM 30231G102   188,716 1,605 SH   SOLE   1,605 0 0
Meta Platforms, Inc CL A CL A 30303M102   50,135 167 SH   SOLE   167 0 0
Fidelity Disruptive Finance ETF DISRUPTIVE FIN E 316092154   7,367 295 SH   SOLE   295 0 0
Fiserv Inc. COM 337738108   6,552 58 SH   SOLE   58 0 0
Floor & Decor Holdings Inc Class A CL A 339750101   27,512 304 SH   SOLE   304 0 0
Ford Motor Co. COM 345370860   196,373 15,811 SH   SOLE   15,811 0 0
Fortune Brands Home & Security Inc. COM 34964C106   4,538 73 SH   SOLE   73 0 0
Freeport-McMoRan Inc. CL B 35671D857   128,501 3,446 SH   SOLE   3,446 0 0
GE HealthCare Technologies Inc Common Stock COMMON STOCK 36266G107   3,062 45 SH   SOLE   45 0 0
Gartner Inc. Class A COM 366651107   18,555 54 SH   SOLE   54 0 0
Generac Hldgs Inc Common COM 368736104   2,724 25 SH   SOLE   25 0 0
General Dynamics Corp. COM 369550108   473,760 2,144 SH   SOLE   2,144 0 0
General Electric Co COM NEW 369604301   23,105 209 SH   SOLE   209 0 0
General Motors Co. COM 37045V100   60,203 1,826 SH   SOLE   1,826 0 0
Genuine Parts Co. COM 372460105   930,385 6,444 SH   SOLE   6,444 0 0
Gilead Sciences Inc COM 375558103   2,998 40 SH   SOLE   40 0 0
GSK PLC ADR SPONSORED ADR 37733W204   1,450 40 SH   SOLE   40 0 0
Global X US Infrastructure Dev ETF US INFR DEV ETF 37954Y673   14,431 475 SH   SOLE   475 0 0
Goldman Sachs ActiveBeta EMkts Eq ETF ACTIVEBETA EME 381430206   3,784 132 SH   SOLE   132 0 0
W.W. Grainger Inc. COM 384802104   264,975 383 SH   SOLE   383 0 0
NW4/ NE/4 (aka Lot 2) 10-5N-4E Pontotoc Co OK COM 394000996   2,371 1 SH   SOLE   1 0 0
HP Inc. COM 40434L105   3,213 125 SH   SOLE   125 0 0
Hanesbrands Inc. COM 410345102   1,200 303 SH   SOLE   303 0 0
Hasbro Inc. COM 418056107   4,365 66 SH   SOLE   66 0 0
Healthpeak Properties COM 42250P103   32,167 1,752 SH   SOLE   1,752 0 0
Hess Corp Common COM 42809H107   5,355 35 SH   SOLE   35 0 0
Home Depot Inc. COM 437076102   2,251,394 7,451 SH   SOLE   7,451 0 0
Honeywell International Inc. COM 438516106   1,352,666 7,322 SH   SOLE   7,322 0 0
Illinois Tool Works Inc. COM 452308109   23,031 100 SH   SOLE   100 0 0
IQ Merger Arbitrage ETF IQ MRGR ARB ETF 45409B800   140,733 4,455 SH   SOLE   4,455 0 0
Ingredion Inc. COM 457187102   659,969 6,707 SH   SOLE   6,707 0 0
Intel Corp. COM 458140100   3,875 109 SH   SOLE   109 0 0
Intercontinental Exchange Inc COM 45866F104   165,910 1,508 SH   SOLE   1,508 0 0
International Business Machines Corp. COM 459200101   27,359 195 SH   SOLE   195 0 0
Intl Paper Co Com COM 460146103   1,774 50 SH   SOLE   50 0 0
Invesco QQQ Trust UNIT SER 1 46090E103   5,732 16 SH   SOLE   16 0 0
Invesco S&P 500 BuyWrite ETF S&P500 BUY WRT 46137V399   157,735 7,392 SH   SOLE   7,392 0 0
Invesco Financial Preferred ETF FINL PFD ETF 46137V621   20,542 1,461 SH   SOLE   1,461 0 0
Invesco Preferred ETF PFD ETF 46138E511   33,430 3,053 SH   SOLE   3,053 0 0
Invesco Senior Loan ETF SR LN ETF 46138G508   12,237 583 SH   SOLE   583 0 0
Iqvia Holdings Inc Corp COM 46266C105   7,870 40 SH   SOLE   40 0 0
iShares Gold Trust ISHARES NEW 464285204   8,946,383 255,684 SH   SOLE   255,684 0 0
iShares Select Dividend ETF SELECT DIVID ETF 464287168   554,777 5,154 SH   SOLE   5,154 0 0
iShares Core S&P 500 ETF CORE S&P500 ETF 464287200   36,375,727 84,707 SH   SOLE   84,707 0 0
iShares S&P 500 Growth ETF S&P 500 GRWT ETF 464287309   2,502,188 36,571 SH   SOLE   36,571 0 0
iShares S&P 500 Value ETF S&P 500 VAL ETF 464287408   3,115,106 20,249 SH   SOLE   20,249 0 0
iShares 7-10 Year Treasury Bond ETF 7-10 YR TRSY BD 464287440   8,609 94 SH   SOLE   94 0 0
iShares 1-3 Year Treasury Bond ETF 1 3 YR TREAS BD 464287457   247,201 3,053 SH   SOLE   3,053 0 0
iShares MSCI EAFE ETF MSCI EAFE ETF 464287465   14,696,018 213,233 SH   SOLE   213,233 0 0
iShares Core S&P Mid-Cap ETF CORE S&P MCP ETF 464287507   9,206,750 36,923 SH   SOLE   36,923 0 0
iShares Biotechnology ETF ISHARES BIOTECH 464287556   85,603 700 SH   SOLE   700 0 0
iShares Russell 1000 Growth ETF RUS 1000 GRW ETF 464287614   8,778 33 SH   SOLE   33 0 0
iShares Russell 2000 ETF RUSSELL 2000 ETF 464287655   27,041 153 SH   SOLE   153 0 0
iShares Core S&P Small-Cap ETF CORE S&P SCP ETF 464287804   5,336,059 56,568 SH   SOLE   56,568 0 0
iShares Short-Term National Muni Bond ETF SHRT NAT MUN ETF 464288158   2,144,631 20,850 SH   SOLE   20,850 0 0
iShares National Muni Bond ETF NATIONAL MUN ETF 464288414   677,994 6,612 SH   SOLE   6,612 0 0
iShares MSCI KLD 400 Social ETF MSCI KLD400 SOC 464288570   814,181 10,001 SH   SOLE   10,001 0 0
iShares Intermediate Govt/Credit Bnd ETF INTRM GOV CR ETF 464288612   338,949 3,345 SH   SOLE   3,345 0 0
iShares MSCI EAFE Value ETF EAFE VALUE ETF 464288877   45,162 923 SH   SOLE   923 0 0
iShares MSCI EAFE Growth ETF EAFE GRWTH ETF 464288885   42,805 496 SH   SOLE   496 0 0
iShares Floating Rate Bond ETF FLTG RATE NT ETF 46429B655   52,417 1,030 SH   SOLE   1,030 0 0
iShares MSCI USA Quality Factor ETF MSCI USA QLT FCT 46432F339   212,973 1,616 SH   SOLE   1,616 0 0
JPMorgan Chase & Co. COM 46625H100   1,250,798 8,625 SH   SOLE   8,625 0 0
Jacobs Solutions Inc COM 46982L108   137,592 1,008 SH   SOLE   1,008 0 0
Johnson & Johnson COM 478160104   1,417,325 9,100 SH   SOLE   9,100 0 0
KLA Corp COM NEW 482480100   91,732 200 SH   SOLE   200 0 0
The Kroger Co. COM 501044101   4,696,199 104,943 SH   SOLE   104,943 0 0
Lam Research Corp. COM 512807108   9,402 15 SH   SOLE   15 0 0
Eli Lilly & Co. COM 532457108   10,743 20 SH   SOLE   20 0 0
Lincoln Electric Holdings Inc. COM 533900106   3,639,436 20,020 SH   SOLE   20,020 0 0
Littelfuse Inc COM 537008104   31,162 126 SH   SOLE   126 0 0
Lockheed Martin Corp COM 539830109   911,572 2,229 SH   SOLE   2,229 0 0
Lowe's Companies Inc. COM 548661107   53,415 257 SH   SOLE   257 0 0
Macerich Co COM 554382101   2,880 264 SH   SOLE   264 0 0
Manhattan Assocs Inc Common COM 562750109   47,241 239 SH   SOLE   239 0 0
Markel Group Inc. COM 570535104   101,602 69 SH   SOLE   69 0 0
Marsh & McLennan Companies Inc. COM 571748102   79,736 419 SH   SOLE   419 0 0
Marriott International Inc CL A 571903202   183,390 933 SH   SOLE   933 0 0
Mastercard Inc. Class A CL A 57636Q104   27,714 70 SH   SOLE   70 0 0
McDonald's Corp. COM 580135101   1,202,077 4,563 SH   SOLE   4,563 0 0
Merck & Co. Inc. COM 58933Y105   454,215 4,412 SH   SOLE   4,412 0 0
Microsoft Corp. COM 594918104   3,333,689 10,558 SH   SOLE   10,558 0 0
Microchip Technology Inc. COM 595017104   1,486,931 19,051 SH   SOLE   19,051 0 0
Micron Technology Inc. COM 595112103   5,170 76 SH   SOLE   76 0 0
Mid-America Apartment Communities Inc. COM 59522J103   53,776 418 SH   SOLE   418 0 0
Mondelez International Inc Class A CL A 609207105   54,826 790 SH   SOLE   790 0 0
Morgan Stanley Common COM NEW 617446448   119,402 1,462 SH   SOLE   1,462 0 0
Newmont Corp COM 651639106   5,358 145 SH   SOLE   145 0 0
1-24N-1W, Noble Co, OK COM 653101998   281 1 SH   SOLE   1 0 0
NextEra Energy Inc COM 65339F101   107,075 1,869 SH   SOLE   1,869 0 0
Nike Inc. CL B 654106103   11,283 118 SH   SOLE   118 0 0
Norfolk Southern Corp. COM 655844108   51,596 262 SH   SOLE   262 0 0
Northrop Grumman Corp COM 666807102   131,617 299 SH   SOLE   299 0 0
Nvidia Corp Common COM 67066G104   50,024 115 SH   SOLE   115 0 0
Omnicom Group Inc. COM 681919106   6,033 81 SH   SOLE   81 0 0
Oracle Corp. COM 68389X105   235,142 2,220 SH   SOLE   2,220 0 0
Organon & Co. COMMON STOCK 68622V106   2,066 119 SH   SOLE   119 0 0
Oshkosh Corp. COM 688239201   31,301 328 SH   SOLE   328 0 0
Otis Worldwide Corp Ordinary Shares COM 68902V107   4,016 50 SH   SOLE   50 0 0
Owens-Corning Inc. COM 690742101   29,192 214 SH   SOLE   214 0 0
Paychex Inc. COM 704326107   966,004 8,376 SH   SOLE   8,376 0 0
Paypal Holdings Inc. COM 70450Y103   94,998 1,625 SH   SOLE   1,625 0 0
Pembina Pipeline Corp. COM 706327103   1,112 37 SH   SOLE   37 0 0
PepsiCo Inc COM 713448108   1,631,538 9,629 SH   SOLE   9,629 0 0
Pfizer Inc. COM 717081103   733,157 22,103 SH   SOLE   22,103 0 0
Phillips 66 COM 718546104   42,053 350 SH   SOLE   350 0 0
PIMCO 0-5 Year High Yield Corp Bond ETF 0-5 HIGH YIELD 72201R783   4,210,147 46,624 SH   SOLE   46,624 0 0
Pioneer Natural Resources Co COM 723787107   9,641 42 SH   SOLE   42 0 0
Polaris Inc. COM 731068102   26,764 257 SH   SOLE   257 0 0
Principal Spectrum Pref Secs Actv ETF SPECTRUM PFD 74255Y888   6,086,713 361,015 SH   SOLE   361,015 0 0
Procter & Gamble Co. COM 742718109   1,424,469 9,766 SH   SOLE   9,766 0 0
Prospect Capital Corp COM 74348T102   998 165 SH   SOLE   165 0 0
Prudential Financial Inc. COM 744320102   560,041 5,902 SH   SOLE   5,902 0 0
Public Storage COM 74460D109   773,958 2,937 SH   SOLE   2,937 0 0
Qualcomm Inc. COM 747525103   8,885 80 SH   SOLE   80 0 0
RTX Corporation (formerly Raytheon Technologies Corp) COM 75513E101   297,812 4,138 SH   SOLE   4,138 0 0
Redwood Trust INC Reit CORP COMMON COM 758075402   713 100 SH   SOLE   100 0 0
Reinsurance Group of America Inc. COM NEW 759351604   54,156 373 SH   SOLE   373 0 0
Restaurant Brands Intl Inc Common COM 76131D103   4,330 65 SH   SOLE   65 0 0
RiceBran Technologies COM 762831303   86 200 SH   SOLE   200 0 0
Rockwell Automation Inc. COM 773903109   69,466 243 SH   SOLE   243 0 0
SPDR S&P 500 ETF TR UNIT 78462F103   869,922 2,035 SH   SOLE   2,035 0 0
SPDR Portfolio Short Term Corporate Bond ETF PORTFOLIO SHORT 78464A474   7,420,276 253,079 SH   SOLE   253,079 0 0
SPDR S&P Regional Banking ETF S&P REGL BKG 78464A698   4,177 100 SH   SOLE   100 0 0
SPDR S&P MidCap 400 ETF Trust UTSER1 S&PDCRP 78467Y107   183,569 402 SH   SOLE   402 0 0
Salesforce, Inc COM 79466L302   7,097 35 SH   SOLE   35 0 0
Henry Schein Inc COM 806407102   114,271 1,539 SH   SOLE   1,539 0 0
Schlumberger Ltd. COM STK 806857108   8,628 148 SH   SOLE   148 0 0
Materials Select Sector SPDR ETF SBI MATERIALS 81369Y100   103,058 1,312 SH   SOLE   1,312 0 0
Silgan Holdings Inc. COM 827048109   178,260 4,135 SH   SOLE   4,135 0 0
Simon Property Group Inc COM 828806109   8,102 75 SH   SOLE   75 0 0
Southern Co. COM 842587107   779,552 12,045 SH   SOLE   12,045 0 0
Starbucks Corp. COM 855244109   1,053,621 11,544 SH   SOLE   11,544 0 0
STMicroelectronics NV NY REGISTRY 861012102   9,279 215 SH   SOLE   215 0 0
Sun Communities Inc. COM 866674104   49,111 415 SH   SOLE   415 0 0
Synchrony Financial COM 87165B103   3,057 100 SH   SOLE   100 0 0
Taiwan Semiconductor Manufacturing Co. Ltd. SPONSORED ADS 874039100   3,911 45 SH   SOLE   45 0 0
Tc Energy Corp COMMON COM 87807B107   17,205 500 SH   SOLE   500 0 0
Tesla Inc COM 88160R101   15,013 60 SH   SOLE   60 0 0
Texas Instruments Inc. COM 882508104   356,977 2,245 SH   SOLE   2,245 0 0
3M Co. COM 88579Y101   260,638 2,784 SH   SOLE   2,784 0 0
The Travelers Companies Inc. COM 89417E109   59,608 365 SH   SOLE   365 0 0
Truist Financial Corp COM 89832Q109   311,334 10,882 SH   SOLE   10,882 0 0
Twilio Inc Class A CL A 90138F102   2,341 40 SH   SOLE   40 0 0
U.S. Bancorp COM NEW 902973304   369,346 11,172 SH   SOLE   11,172 0 0
Union Pacific Corp. COM 907818108   34,617 170 SH   SOLE   170 0 0
United Parcel Service Inc. CL B 911312106   674,450 4,327 SH   SOLE   4,327 0 0
UnitedHealth Group Inc. COM 91324P102   1,181,317 2,343 SH   SOLE   2,343 0 0
Uniti Group Inc. COM 91325V108   312 66 SH   SOLE   66 0 0
VF Corp. COM 918204108   6,432 364 SH   SOLE   364 0 0
Valero Energy Corp. COM 91913Y100   2,834 20 SH   SOLE   20 0 0
Vanguard Dividend Appreciation EFT DIV APP ETF 921908844   7,769 50 SH   SOLE   50 0 0
Vanguard Mega Cap Growth ETF MEGA GRWTH IND 921910816   8,622 38 SH   SOLE   38 0 0
Vanguard Total Bond Market ETF TOTAL BND MRKT 921937835   14,644,798 209,871 SH   SOLE   209,871 0 0
Vanguard Short-Term Infl-Prot Secs ETF STRM INFPROIDX 922020805   127,325 2,693 SH   SOLE   2,693 0 0
Vanguard FTSE All-Wld ex-US ETF ALLWRLD EX US 922042775   25,935 500 SH   SOLE   500 0 0
Vanguard FTSE Emerging Markets ETF FTSE EMR MKT ETF 922042858   5,259,080 134,126 SH   SOLE   134,126 0 0
Vanguard Information Technology ETF INF TECH ETF 92204A702   41,490 100 SH   SOLE   100 0 0
Vanguard Short-Term Treasury ETF SHORT TERM TREAS 92206C102   9,140,890 158,696 SH   SOLE   158,696 0 0
Vanguard Mortgage-Backed Secs ETF MTG-BKD SECS ETF 92206C771   4,716,157 107,724 SH   SOLE   107,724 0 0
Vector Group LTD COM 92240M108   3,575 336 SH   SOLE   336 0 0
Vanguard S&P 500 ETF (old cusip 922908413) S&P 500 ETF SHS 922908363   244,652 623 SH   SOLE   623 0 0
Vanguard Real Estate ETF REAL ESTATE ETF 922908553   5,448 72 SH   SOLE   72 0 0
Vanguard Small-Cap Value ETF SM CP VAL ETF 922908611   11,962 75 SH   SOLE   75 0 0
Verizon Communications Inc COM 92343V104   649,464 20,039 SH   SOLE   20,039 0 0
Viatris Inc COM 92556V106   10,373 1,052 SH   SOLE   1,052 0 0
Visa Inc. Class A COM CL A 92826C839   666,339 2,897 SH   SOLE   2,897 0 0
Vulcan Materials Common COM 929160109   92,929 460 SH   SOLE   460 0 0
W.P. Carey Inc COM 92936U109   10,275 190 SH   SOLE   190 0 0
WEC Energy Group Inc. COM 92939U106   20,299 252 SH   SOLE   252 0 0
Wal-Mart Stores Inc. COM 931142103   135,621 848 SH   SOLE   848 0 0
Warner Brothers Discovery Inc Ordinary Shares COM SER A 934423104   2,433 224 SH   SOLE   224 0 0
Waste Management Inc. COM 94106L109   1,053,665 6,912 SH   SOLE   6,912 0 0
Waters Corp. COM 941848103   52,648 192 SH   SOLE   192 0 0
Wells Fargo & Co. COM 949746101   74,937 1,834 SH   SOLE   1,834 0 0
Western Digital Corp COM 958102105   2,282 50 SH   SOLE   50 0 0
Where Food Comes From Inc COM NEW 96327X200   235,046 16,813 SH   SOLE   16,813 0 0
Williams-Sonoma Inc COM 969904101   30,458 196 SH   SOLE   196 0 0
Zimmer Biomet Holdings Inc. COM 98956P102   32,768 292 SH   SOLE   292 0 0
Zions Bancorp COM 989701107   22,644 649 SH   SOLE   649 0 0
Zoetis Inc. CL A 98978V103   87,164 501 SH   SOLE   501 0 0
Accenture PLC Class A SHS CLASS A G1151C101   252,444 822 SH   SOLE   822 0 0
Invesco Ltd. SHS G491BT108   2,178 150 SH   SOLE   150 0 0
Medtronic PLC SHS G5960L103   523,837 6,685 SH   SOLE   6,685 0 0