Valmark Advisers 13F-HR Quarterly holdings report by institutional manager

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
Expires:	Oct 31, 2018
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	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
3M CO	COM	88579Y101	280,794	2,805	SH		SOLE		0	0	2,805
ABBOTT LABS	COM	002824100	1,666,357	15,285	SH		SOLE		0	0	15,285
ABBVIE INC	COM	00287Y109	862,908	6,405	SH		SOLE		0	0	6,405
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	4,467,395	14,477	SH		SOLE		0	0	14,477
ADOBE SYSTEMS INCORPORATED	COM	00724F101	214,667	439	SH		SOLE		0	0	439
ADVANCED MICRO DEVICES INC	COM	007903107	545,401	4,788	SH		SOLE		0	0	4,788
AFLAC INC	COM	001055102	1,589,906	22,778	SH		SOLE		0	0	22,778
AIR PRODS & CHEMS INC	COM	009158106	965,984	3,225	SH		SOLE		0	0	3,225
ALIGN TECHNOLOGY INC	COM	016255101	865,711	2,448	SH		SOLE		0	0	2,448
ALPHABET INC	CAP STK CL A	02079K305	1,854,392	15,492	SH		SOLE		0	0	15,492
ALPHABET INC	CAP STK CL C	02079K107	3,976,647	32,873	SH		SOLE		0	0	32,873
ALTRIA GROUP INC	COM	02209S103	334,923	7,393	SH		SOLE		0	0	7,393
AMAZON COM INC	COM	023135106	6,866,452	52,673	SH		SOLE		0	0	52,673
AMERICAN TOWER CORP NEW	COM	03027X100	293,997	1,516	SH		SOLE		0	0	1,516
AMGEN INC	COM	031162100	1,768,920	7,967	SH		SOLE		0	0	7,967
ANALOG DEVICES INC	COM	032654105	1,566,662	8,042	SH		SOLE		0	0	8,042
APPLE INC	COM	037833100	32,790,149	169,048	SH		SOLE		0	0	169,048
AT&T INC	COM	00206R102	478,562	30,004	SH		SOLE		0	0	30,004
AUTOMATIC DATA PROCESSING IN	COM	053015103	2,739,717	12,465	SH		SOLE		0	0	12,465
BANK AMERICA CORP	COM	060505104	651,481	22,708	SH		SOLE		0	0	22,708
BANK NEW YORK MELLON CORP	COM	064058100	553,339	12,429	SH		SOLE		0	0	12,429
BECTON DICKINSON & CO	COM	075887109	1,238,299	4,690	SH		SOLE		0	0	4,690
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	15,157,109	44,449	SH		SOLE		0	0	44,449
BILL HOLDINGS INC	COM	090043100	1,071,631	9,171	SH		SOLE		0	0	9,171
BIOSIG TECHNOLOGIES INC	COM NEW	09073N201	26,208	20,966	SH		SOLE		0	0	20,966
BJS WHSL CLUB HLDGS INC	COM	05550J101	1,597,682	25,356	SH		SOLE		0	0	25,356
BLACKROCK INC	COM	09247X101	948,244	1,372	SH		SOLE		0	0	1,372
BLACKSTONE INC	COM	09260D107	359,044	3,862	SH		SOLE		0	0	3,862
BOEING CO	COM	097023105	686,903	3,253	SH		SOLE		0	0	3,253
BOX INC	CL A	10316T104	1,186,893	40,398	SH		SOLE		0	0	40,398
BRISTOL-MYERS SQUIBB CO	COM	110122108	279,717	4,374	SH		SOLE		0	0	4,374
BROADCOM INC	COM	11135F101	503,977	581	SH		SOLE		0	0	581
CALAMOS CONV & HIGH INCOME F	COM SHS	12811P108	112,345	10,004	SH		SOLE		0	0	10,004
CAPITAL GROUP CORE EQUITY ET	SHS CREATION UNI	14020V108	418,995	16,316	SH		SOLE		0	0	16,316
CAPITAL GROUP DIVIDEND VALUE	SHS CREATION UNI	14020W106	10,782,289	398,753	SH		SOLE		0	0	398,753
CAPITAL GROUP GBL GROWTH EQT	SHS CREATION UNI	14020X104	341,399	14,055	SH		SOLE		0	0	14,055
CAPITAL GROUP GROWTH ETF	SHS CREATION UNI	14020G101	2,029,577	80,443	SH		SOLE		0	0	80,443
CAPITAL GROUP INTL FOCUS EQT	SHS CREATION UNI	14019W109	1,519,991	64,625	SH		SOLE		0	0	64,625
CAPITAL GRP FIXED INCM ETF T	CORE PLUS INCM	14020Y102	526,944	23,672	SH		SOLE		0	0	23,672
CATERPILLAR INC	COM	149123101	557,107	2,264	SH		SOLE		0	0	2,264
CENTENE CORP DEL	COM	15135B101	620,270	9,196	SH		SOLE		0	0	9,196
CHEVRON CORP NEW	COM	166764100	2,506,489	15,929	SH		SOLE		0	0	15,929
CHIPOTLE MEXICAN GRILL INC	COM	169656105	252,402	118	SH		SOLE		0	0	118
CHUBB LIMITED	COM	H1467J104	994,765	5,166	SH		SOLE		0	0	5,166
CHURCH & DWIGHT CO INC	COM	171340102	368,546	3,677	SH		SOLE		0	0	3,677
CINCINNATI FINL CORP	COM	172062101	801,430	8,235	SH		SOLE		0	0	8,235
CISCO SYS INC	COM	17275R102	2,133,720	41,239	SH		SOLE		0	0	41,239
CLOROX CO DEL	COM	189054109	578,588	3,638	SH		SOLE		0	0	3,638
COCA COLA CO	COM	191216100	985,064	16,358	SH		SOLE		0	0	16,358
COLGATE PALMOLIVE CO	COM	194162103	839,110	10,892	SH		SOLE		0	0	10,892
COMCAST CORP NEW	CL A	20030N101	398,506	9,591	SH		SOLE		0	0	9,591
CONOCOPHILLIPS	COM	20825C104	463,033	4,469	SH		SOLE		0	0	4,469
CONSOLIDATED EDISON INC	COM	209115104	277,347	3,068	SH		SOLE		0	0	3,068
CORNING INC	COM	219350105	266,591	7,608	SH		SOLE		0	0	7,608
CORTEVA INC	COM	22052L104	305,692	5,335	SH		SOLE		0	0	5,335
COSTCO WHSL CORP NEW	COM	22160K105	757,194	1,406	SH		SOLE		0	0	1,406
CROCS INC	COM	227046109	447,849	3,983	SH		SOLE		0	0	3,983
CSX CORP	COM	126408103	1,133,484	33,240	SH		SOLE		0	0	33,240
CVS HEALTH CORP	COM	126650100	301,407	4,360	SH		SOLE		0	0	4,360
DANAHER CORPORATION	COM	235851102	904,320	3,768	SH		SOLE		0	0	3,768
DASEKE INC	COM	23753F107	831,073	116,560	SH		SOLE		0	0	116,560
DBX ETF TR	XTRACK MSCI EAFE	233051630	5,948,532	258,295	SH		SOLE		0	0	258,295
DBX ETF TR	XTRACK USD HIGH	233051432	129,227,232	3,745,717	SH		SOLE		932,637	0	2,813,080
DBX ETF TR	XTRACKERS LOW	233051267	326,282	7,208	SH		SOLE		0	0	7,208
DECKERS OUTDOOR CORP	COM	243537107	289,685	549	SH		SOLE		0	0	549
DEERE & CO	COM	244199105	572,096	1,412	SH		SOLE		0	0	1,412
DIAGEO PLC	SPON ADR NEW	25243Q205	484,530	2,793	SH		SOLE		0	0	2,793
DISNEY WALT CO	COM	254687106	640,333	7,172	SH		SOLE		0	0	7,172
DOMINION ENERGY INC	COM	25746U109	332,699	6,424	SH		SOLE		0	0	6,424
DOVER CORP	COM	260003108	648,036	4,389	SH		SOLE		0	0	4,389
DOW INC	COM	260557103	201,370	3,781	SH		SOLE		0	0	3,781
DUKE ENERGY CORP NEW	COM NEW	26441C204	550,455	6,134	SH		SOLE		0	0	6,134
EATON CORP PLC	SHS	G29183103	967,859	4,813	SH		SOLE		0	0	4,813
EDISON INTL	COM	281020107	554,323	7,982	SH		SOLE		0	0	7,982
EDWARDS LIFESCIENCES CORP	COM	28176E108	385,998	4,092	SH		SOLE		0	0	4,092
ELEVANCE HEALTH INC	COM	036752103	692,725	1,559	SH		SOLE		0	0	1,559
EMERSON ELEC CO	COM	291011104	825,713	9,135	SH		SOLE		0	0	9,135
ENBRIDGE INC	COM	29250N105	258,551	6,960	SH		SOLE		0	0	6,960
EVERSOURCE ENERGY	COM	30040W108	642,606	9,061	SH		SOLE		0	0	9,061
EXXON MOBIL CORP	COM	30231G102	4,844,142	45,167	SH		SOLE		0	0	45,167
FACTSET RESH SYS INC	COM	303075105	772,053	1,927	SH		SOLE		0	0	1,927
FEDEX CORP	COM	31428X106	447,707	1,806	SH		SOLE		0	0	1,806
FIDELITY COVINGTON TRUST	MSCI ENERGY IDX	316092402	353,253	15,941	SH		SOLE		0	0	15,941
FIDELITY COVINGTON TRUST	MSCI HLTH CARE I	316092600	2,077,532	32,914	SH		SOLE		0	0	32,914
FIDELITY COVINGTON TRUST	MSCI INFO TECH I	316092808	427,846	3,275	SH		SOLE		0	0	3,275
FIDELITY COVINGTON TRUST	MSCI UTILS INDEX	316092865	2,815,318	66,587	SH		SOLE		0	0	66,587
FIDELITY COVINGTON TRUST	VLU FACTOR ETF	316092782	1,595,309	32,491	SH		SOLE		0	0	32,491
FIDELITY MERRIMACK STR TR	TOTAL BD ETF	316188309	5,696,622	125,421	SH		SOLE		0	0	125,421
FIRST TR EXCH TRADED FD III	MANAGD MUN ETF	33739N108	606,335	11,964	SH		SOLE		0	0	11,964
FIRST TR EXCH TRADED FD III	PFD SECS INC ETF	33739E108	3,401,090	212,967	SH		SOLE		0	0	212,967
FIRST TR EXCHANGE TRAD FD VI	FST TR GLB FD	33739H101	10,077,592	442,582	SH		SOLE		0	0	442,582
FIRST TR EXCHANGE TRADED FD	CLOUD COMPUTING	33734X192	238,603	3,142	SH		SOLE		0	0	3,142
FIRST TR EXCHANGE TRADED FD	NASDAQ CYB ETF	33734X846	304,438	6,704	SH		SOLE		0	0	6,704
FIRST TR EXCHANGE-TRADED FD	CAP STRENGTH ETF	33733E104	10,686,833	142,339	SH		SOLE		0	0	142,339
FIRST TR EXCHANGE-TRADED FD	DORSEY WRT 5 ETF	33738R605	3,257,776	69,447	SH		SOLE		0	0	69,447
FIRST TR EXCHANGE-TRADED FD	FIRST TR ENH NEW	33739Q408	834,533	14,047	SH		SOLE		0	0	14,047
FIRST TR EXCHANGE-TRADED FD	RISNG DIVD ACHIV	33738R506	11,242,943	238,704	SH		SOLE		0	0	238,704
FIRST TR EXCHANGE-TRADED FD	SENIOR LN FD	33738D309	640,879	14,147	SH		SOLE		0	0	14,147
FIRST TR EXCHNG TRADED FD VI	CBOE VEST US EQ	33740F755	406,424	16,231	SH		SOLE		0	0	16,231
FIRST TR LRG CP VL ALPHADEX	COM SHS	33735J101	405,748	6,085	SH		SOLE		0	0	6,085
FIRST TR LRGE CP CORE ALPHA	COM SHS	33734K109	383,926	4,570	SH		SOLE		0	0	4,570
FIRST TR VALUE LINE DIVID IN	SHS	33734H106	4,465,413	111,385	SH		SOLE		0	0	111,385
FLEXSHARES TR	IBOXX 3R TARGT	33939L506	12,318,141	523,508	SH		SOLE		0	0	523,508
FLEXSHARES TR	MORNSTAR UPSTR	33939L407	113,503,339	2,832,626	SH		SOLE		858,074	0	1,974,552
FORD MTR CO DEL	COM	345370860	190,305	12,578	SH		SOLE		0	0	12,578
GENERAL DYNAMICS CORP	COM	369550108	1,573,822	7,315	SH		SOLE		0	0	7,315
GENERAL ELECTRIC CO	COM NEW	369604301	544,432	4,956	SH		SOLE		0	0	4,956
GENERAL MLS INC	COM	370334104	247,629	3,229	SH		SOLE		0	0	3,229
GENUINE PARTS CO	COM	372460105	830,919	4,910	SH		SOLE		0	0	4,910
GILEAD SCIENCES INC	COM	375558103	388,510	5,041	SH		SOLE		0	0	5,041
GLOBAL X FDS	AUTONMOUS EV ETF	37954Y624	234,858	9,019	SH		SOLE		0	0	9,019
GLOBAL X FDS	LITHIUM BTRY ETF	37954Y855	257,349	3,958	SH		SOLE		0	0	3,958
GLOBAL X FDS	US INFR DEV ETF	37954Y673	220,544	7,017	SH		SOLE		0	0	7,017
GMS INC	COM	36251C103	2,076,000	30,000	SH		SOLE		0	0	30,000
GOLDMAN SACHS ETF TR	ACCES TREASURY	381430529	2,454,017	24,523	SH		SOLE		24,523	0	0
HOME DEPOT INC	COM	437076102	2,626,794	8,456	SH		SOLE		0	0	8,456
HONEYWELL INTL INC	COM	438516106	917,565	4,422	SH		SOLE		0	0	4,422
HUBSPOT INC	COM	443573100	1,158,892	2,178	SH		SOLE		0	0	2,178
HUNTINGTON BANCSHARES INC	COM	446150104	535,841	49,707	SH		SOLE		0	0	49,707
IDEXX LABS INC	COM	45168D104	1,011,993	2,015	SH		SOLE		0	0	2,015
ILLINOIS TOOL WKS INC	COM	452308109	2,381,273	9,519	SH		SOLE		0	0	9,519
INDIE SEMICONDUCTOR INC	*W EXP 06/10/202	45569U119	23,600	10,000	SH		SOLE		0	0	10,000
INNOVATOR ETFS TR	INTRNL DEV APRL	45782C367	518,413	20,803	SH		SOLE		0	0	20,803
INNOVATOR ETFS TR	US EQT PWR BUF	45782C870	1,203,431	38,946	SH		SOLE		0	0	38,946
INNOVATOR ETFS TR	US EQT ULTRA BF	45782C300	383,596	11,720	SH		SOLE		0	0	11,720
INNOVATOR ETFS TR	US EQTY PWR BF	45782C680	769,080	24,650	SH		SOLE		0	0	24,650
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C318	1,100,808	36,878	SH		SOLE		0	0	36,878
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C383	1,849,211	54,759	SH		SOLE		0	0	54,759
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C813	799,311	23,358	SH		SOLE		0	0	23,358
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C540	316,792	9,519	SH		SOLE		0	0	9,519
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C508	298,154	8,492	SH		SOLE		0	0	8,492
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C797	861,150	25,729	SH		SOLE		0	0	25,729
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C748	706,843	22,319	SH		SOLE		0	0	22,319
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C417	519,550	16,874	SH		SOLE		0	0	16,874
INSIGHT ENTERPRISES INC	COM	45765U103	278,192	1,901	SH		SOLE		0	0	1,901
INTEL CORP	COM	458140100	453,177	13,552	SH		SOLE		0	0	13,552
INTERNATIONAL BUSINESS MACHS	COM	459200101	492,904	3,684	SH		SOLE		0	0	3,684
INTERNATIONAL MNY EXPRESS IN	COM	46005L101	515,939	21,033	SH		SOLE		0	0	21,033
INTUIT	COM	461202103	690,492	1,507	SH		SOLE		0	0	1,507
INTUITIVE SURGICAL INC	COM NEW	46120E602	283,126	828	SH		SOLE		0	0	828
INVESCO EXCH TRADED FD TR II	MSCI GBL TIMBR	46138E545	5,858,174	198,674	SH		SOLE		0	0	198,674
INVESCO EXCH TRADED FD TR II	S&P 500 REVENUE	46138G698	1,684,406	21,055	SH		SOLE		0	0	21,055
INVESCO EXCH TRADED FD TR II	S&P500 HDL VOL	46138E362	263,093	6,363	SH		SOLE		0	0	6,363
INVESCO EXCH TRADED FD TR II	S&P500 LOW VOL	46138E354	519,941	8,278	SH		SOLE		0	0	8,278
INVESCO EXCH TRD SLF IDX FD	BULSHS 2023 CB	46138J866	466,947	22,057	SH		SOLE		0	0	22,057
INVESCO EXCH TRD SLF IDX FD	BULSHS 2024 CB	46138J841	336,937	16,380	SH		SOLE		0	0	16,380
INVESCO EXCH TRD SLF IDX FD	BULSHS 2025 CB	46138J825	286,128	14,214	SH		SOLE		0	0	14,214
INVESCO EXCH TRD SLF IDX FD	BULSHS 2026 CB	46138J791	201,499	10,636	SH		SOLE		0	0	10,636
INVESCO EXCHANGE TRADED FD T	AEROSPACE DEFN	46137V100	267,051	3,161	SH		SOLE		0	0	3,161
INVESCO EXCHANGE TRADED FD T	DWA HEALTHCARE	46137V852	207,635	1,705	SH		SOLE		0	0	1,705
INVESCO EXCHANGE TRADED FD T	S&P MDCP QUALITY	46137V472	1,039,812	12,883	SH		SOLE		0	0	12,883
INVESCO EXCHANGE TRADED FD T	S&P SMCP VLU MNT	46137V480	7,171,428	154,424	SH		SOLE		0	0	154,424
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	358,089	2,393	SH		SOLE		0	0	2,393
INVESCO QQQ TR	UNIT SER 1	46090E103	3,495,861	9,463	SH		SOLE		0	0	9,463
ISHARES GOLD TR	ISHARES NEW	464285204	334,133	9,182	SH		SOLE		0	0	9,182
ISHARES INC	CORE MSCI EMKT	46434G103	748,391	15,183	SH		SOLE		0	0	15,183
ISHARES INC	EM MKT SM-CP ETF	464286475	3,729,182	69,600	SH		SOLE		0	0	69,600
ISHARES INC	MSCI AGRICULTURE	464286350	223,706	5,662	SH		SOLE		0	0	5,662
ISHARES INC	MSCI EMRG CHN	46434G764	41,486,731	798,129	SH		SOLE		280,559	0	517,570
ISHARES INC	MSCI GBL MIN VOL	464286525	414,246	4,225	SH		SOLE		0	0	4,225
ISHARES TR	0-3 MNTH TREASRY	46436E718	3,931,462	39,068	SH		SOLE		32,554	0	6,514
ISHARES TR	0-5 YR TIPS ETF	46429B747	9,125,233	93,496	SH		SOLE		0	0	93,496
ISHARES TR	3 7 YR TREAS BD	464288661	403,525	3,501	SH		SOLE		0	0	3,501
ISHARES TR	7-10 YR TRSY BD	464287440	247,103	2,558	SH		SOLE		0	0	2,558
ISHARES TR	AGGRES ALLOC ETF	464289859	550,224	8,294	SH		SOLE		0	0	8,294
ISHARES TR	BLACKROCK ULTRA	46434V878	974,261	19,369	SH		SOLE		0	0	19,369
ISHARES TR	CALIF MUN BD ETF	464288356	804,077	14,119	SH		SOLE		0	0	14,119
ISHARES TR	CORE 1 5 YR USD	46432F859	2,060,322	44,175	SH		SOLE		0	0	44,175
ISHARES TR	CORE DIV GRWTH	46434V621	2,986,910	57,965	SH		SOLE		0	0	57,965
ISHARES TR	CORE HIGH DV ETF	46429B663	1,068,558	10,602	SH		SOLE		0	0	10,602
ISHARES TR	CORE INTL AGGR	46435G672	1,217,857	24,708	SH		SOLE		0	0	24,708
ISHARES TR	CORE MSCI EAFE	46432F842	2,118,825	31,390	SH		SOLE		0	0	31,390
ISHARES TR	CORE MSCI INTL	46435G326	310,340	5,078	SH		SOLE		0	0	5,078
ISHARES TR	CORE MSCI TOTAL	46432F834	2,090,882	33,390	SH		SOLE		0	0	33,390
ISHARES TR	CORE S&P MCP ETF	464287507	54,862,747	209,816	SH		SOLE		0	0	209,816
ISHARES TR	CORE S&P SCP ETF	464287804	39,610,709	397,498	SH		SOLE		0	0	397,498
ISHARES TR	CORE S&P TTL STK	464287150	32,180,731	328,912	SH		SOLE		0	0	328,912
ISHARES TR	CORE S&P US GWT	464287671	4,039,241	41,369	SH		SOLE		0	0	41,369
ISHARES TR	CORE S&P US VLU	464287663	2,029,764	25,936	SH		SOLE		0	0	25,936
ISHARES TR	CORE S&P500 ETF	464287200	22,213,525	49,839	SH		SOLE		0	0	49,839
ISHARES TR	CORE TOTAL USD	46434V613	281,505	6,191	SH		SOLE		0	0	6,191
ISHARES TR	CORE US AGGBD ET	464287226	18,505,373	188,927	SH		SOLE		0	0	188,927
ISHARES TR	EAFE GRWTH ETF	464288885	4,185,149	43,865	SH		SOLE		0	0	43,865
ISHARES TR	ESG AWR MSCI USA	46435G425	797,710	8,185	SH		SOLE		0	0	8,185
ISHARES TR	ESG MSCI USA ETF	46436E767	224,292	6,239	SH		SOLE		0	0	6,239
ISHARES TR	EXPND TEC SC ETF	464287549	266,622	679	SH		SOLE		0	0	679
ISHARES TR	EXPONENTIAL TECH	46434V381	2,437,232	43,835	SH		SOLE		0	0	43,835
ISHARES TR	FLTG RATE NT ETF	46429B655	1,415,426	27,852	SH		SOLE		0	0	27,852
ISHARES TR	GL CLEAN ENE ETF	464288224	238,188	12,945	SH		SOLE		0	0	12,945
ISHARES TR	GLOBAL 100 ETF	464287572	1,770,636	23,279	SH		SOLE		0	0	23,279
ISHARES TR	GLOBAL REIT ETF	46434V647	113,244,623	4,930,110	SH		SOLE		1,631,024	0	3,299,086
ISHARES TR	GLOBAL TECH ETF	464287291	208,212	3,348	SH		SOLE		0	0	3,348
ISHARES TR	GRWT ALLOCAT ETF	464289867	546,069	10,614	SH		SOLE		0	0	10,614
ISHARES TR	HDG MSCI EAFE	46434V803	604,531	19,501	SH		SOLE		0	0	19,501
ISHARES TR	IBONDS 23 TRM TS	46436E882	1,043,161	42,046	SH		SOLE		0	0	42,046
ISHARES TR	IBONDS 24 TRM TS	46436E874	1,043,597	43,849	SH		SOLE		0	0	43,849
ISHARES TR	IBONDS 25 TRM TS	46436E866	427,836	18,497	SH		SOLE		0	0	18,497
ISHARES TR	IBONDS DEC	46435U697	886,055	34,397	SH		SOLE		0	0	34,397
ISHARES TR	IBONDS DEC 25	46435U432	877,392	33,317	SH		SOLE		0	0	33,317
ISHARES TR	IBONDS DEC 26	46435U259	801,932	31,848	SH		SOLE		0	0	31,848
ISHARES TR	IBONDS DEC 27	46435U283	548,208	21,871	SH		SOLE		0	0	21,871
ISHARES TR	IBONDS DEC 28	46435U325	547,053	21,743	SH		SOLE		0	0	21,743
ISHARES TR	IBONDS DEC2023	46435G318	1,083,648	42,513	SH		SOLE		0	0	42,513
ISHARES TR	IBONDS DEC23 ETF	46434VAX8	1,160,002	45,868	PRN		SOLE		0	0	45,868
ISHARES TR	IBONDS DEC24 ETF	46434VBG4	1,111,076	45,129	PRN		SOLE		0	0	45,129
ISHARES TR	IBONDS DEC25 ETF	46434VBD1	447,446	18,353	PRN		SOLE		0	0	18,353
ISHARES TR	IBOXX HI YD ETF	464288513	3,143,452	41,874	SH		SOLE		0	0	41,874
ISHARES TR	IBOXX INV CP ETF	464287242	63,567,626	587,827	SH		SOLE		367,112	0	220,715
ISHARES TR	INTL SEL DIV ETF	464288448	651,325	24,737	SH		SOLE		0	0	24,737
ISHARES TR	ISHARES BIOTECH	464287556	206,437	1,626	SH		SOLE		0	0	1,626
ISHARES TR	MSCI EAFE ETF	464287465	48,478,529	668,669	SH		SOLE		0	0	668,669
ISHARES TR	MSCI EMG MKT ETF	464287234	1,835,426	46,396	SH		SOLE		0	0	46,396
ISHARES TR	MSCI INTL QUALTY	46434V456	2,255,167	63,347	SH		SOLE		0	0	63,347
ISHARES TR	MSCI INTL VLU FT	46435G409	237,092	9,316	SH		SOLE		0	0	9,316
ISHARES TR	MSCI KLD400 SOC	464288570	701,557	8,335	SH		SOLE		0	0	8,335
ISHARES TR	MSCI USA MIN VOL	46429B697	16,475,446	221,653	SH		SOLE		0	0	221,653
ISHARES TR	MSCI USA MMENTM	46432F396	2,440,934	16,922	SH		SOLE		0	0	16,922
ISHARES TR	MSCI USA QLT FCT	46432F339	529,904	3,929	SH		SOLE		0	0	3,929
ISHARES TR	NATIONAL MUN ETF	464288414	5,320,193	49,847	SH		SOLE		0	0	49,847
ISHARES TR	NORTH AMERN NAT	464287374	476,549	12,276	SH		SOLE		0	0	12,276
ISHARES TR	PFD AND INCM SEC	464288687	564,216	18,242	SH		SOLE		0	0	18,242
ISHARES TR	RESIDENTIAL MULT	464288562	304,628	4,158	SH		SOLE		0	0	4,158
ISHARES TR	RUS 1000 ETF	464287622	427,354	1,753	SH		SOLE		0	0	1,753
ISHARES TR	RUS 1000 GRW ETF	464287614	2,522,141	9,165	SH		SOLE		0	0	9,165
ISHARES TR	RUS 1000 VAL ETF	464287598	1,830,799	11,600	SH		SOLE		0	0	11,600
ISHARES TR	RUS MD CP GR ETF	464287481	771,767	7,987	SH		SOLE		0	0	7,987
ISHARES TR	RUS MDCP VAL ETF	464287473	586,081	5,336	SH		SOLE		0	0	5,336
ISHARES TR	RUS MID CAP ETF	464287499	1,261,248	17,270	SH		SOLE		0	0	17,270
ISHARES TR	RUS TOP 200 ETF	464289446	1,912,734	17,936	SH		SOLE		0	0	17,936
ISHARES TR	RUS TP200 GR ETF	464289438	15,672,914	98,845	SH		SOLE		0	0	98,845
ISHARES TR	RUSSELL 2000 ETF	464287655	1,742,724	9,306	SH		SOLE		0	0	9,306
ISHARES TR	RUSSELL 3000 ETF	464287689	724,250	2,846	SH		SOLE		0	0	2,846
ISHARES TR	S&P 500 GRWT ETF	464287309	61,576,540	873,674	SH		SOLE		0	0	873,674
ISHARES TR	S&P 500 VAL ETF	464287408	59,894,595	371,578	SH		SOLE		0	0	371,578
ISHARES TR	S&P MC 400VL ETF	464287705	1,560,563	14,567	SH		SOLE		0	0	14,567
ISHARES TR	SELECT DIVID ETF	464287168	25,024,517	220,870	SH		SOLE		0	0	220,870
ISHARES TR	SHRT NAT MUN ETF	464288158	3,745,440	36,000	SH		SOLE		0	0	36,000
ISHARES TR	SP SMCP600VL ETF	464287879	402,136	4,229	SH		SOLE		0	0	4,229
ISHARES TR	TIPS BD ETF	464287176	366,395	3,405	SH		SOLE		0	0	3,405
ISHARES TR	TRS FLT RT BD	46434V860	339,084	6,692	SH		SOLE		0	0	6,692
ISHARES TR	U.S. ENERGY ETF	464287796	215,445	5,029	SH		SOLE		0	0	5,029
ISHARES TR	U.S. FINLS ETF	464287788	224,840	3,014	SH		SOLE		0	0	3,014
ISHARES TR	U.S. TECH ETF	464287721	1,195,414	10,980	SH		SOLE		0	0	10,980
ISHARES TR	US AER DEF ETF	464288760	245,007	2,100	SH		SOLE		0	0	2,100
ISHARES TR	US HLTHCARE ETF	464287762	1,363,662	4,866	SH		SOLE		0	0	4,866
ISHARES TR	US INDUSTRIALS	464287754	319,923	3,017	SH		SOLE		0	0	3,017
ISHARES TR	US TREAS BD ETF	46429B267	2,175,313	94,992	SH		SOLE		0	0	94,992
ISHARES TR	USD INV GRDE ETF	464288620	101,231,179	2,020,986	SH		SOLE		0	0	2,020,986
J P MORGAN EXCHANGE TRADED F	EQUITY PREMIUM	46641Q332	265,157	4,792	SH		SOLE		0	0	4,792
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT INC	46641Q837	30,346,586	605,237	SH		SOLE		23,355	0	581,882
J P MORGAN EXCHANGE TRADED F	ULTRA SHT MUNCPL	46641Q654	324,160	6,400	SH		SOLE		0	0	6,400
JOHN HANCOCK EXCHANGE TRADED	MULTIFACTOR MI	47804J206	279,953	5,634	SH		SOLE		0	0	5,634
JOHNSON & JOHNSON	COM	478160104	3,975,146	24,016	SH		SOLE		0	0	24,016
JPMORGAN CHASE & CO	COM	46625H100	3,896,562	26,792	SH		SOLE		0	0	26,792
KEYCORP	COM	493267108	1,201,200	130,000	SH		SOLE		0	0	130,000
KIMBERLY-CLARK CORP	COM	494368103	525,318	3,805	SH		SOLE		0	0	3,805
KINDER MORGAN INC DEL	COM	49456B101	203,781	11,834	SH		SOLE		0	0	11,834
KLA CORP	COM NEW	482480100	242,103	499	SH		SOLE		0	0	499
KULICKE & SOFFA INDS INC	COM	501242101	326,975	5,500	SH		SOLE		0	0	5,500
KURA SUSHI USA INC	CL A COM	501270102	746,389	8,030	SH		SOLE		0	0	8,030
L3HARRIS TECHNOLOGIES INC	COM	502431109	857,668	4,381	SH		SOLE		0	0	4,381
LILLY ELI & CO	COM	532457108	2,096,485	4,470	SH		SOLE		0	0	4,470
LINDE PLC	SHS	G54950103	1,463,347	3,840	SH		SOLE		0	0	3,840
LITMAN GREGORY FDS TR	IMGP DBI MANAGED	53700T827	20,323,841	735,572	SH		SOLE		0	0	735,572
LOCKHEED MARTIN CORP	COM	539830109	1,585,257	3,443	SH		SOLE		0	0	3,443
LOWES COS INC	COM	548661107	2,342,152	10,377	SH		SOLE		0	0	10,377
LULULEMON ATHLETICA INC	COM	550021109	1,009,081	2,666	SH		SOLE		0	0	2,666
M & T BK CORP	COM	55261F104	313,855	2,536	SH		SOLE		0	0	2,536
MARATHON PETE CORP	COM	56585A102	288,240	2,472	SH		SOLE		0	0	2,472
MARRIOTT INTL INC NEW	CL A	571903202	352,202	1,917	SH		SOLE		0	0	1,917
MASTERCARD INCORPORATED	CL A	57636Q104	531,606	1,352	SH		SOLE		0	0	1,352
MAXCYTE INC	COM	57777K106	748,427	163,056	SH		SOLE		0	0	163,056
MCCORMICK & CO INC	COM NON VTG	579780206	624,106	7,155	SH		SOLE		0	0	7,155
MCDONALDS CORP	COM	580135101	4,175,041	13,991	SH		SOLE		0	0	13,991
MCKESSON CORP	COM	58155Q103	208,100	487	SH		SOLE		0	0	487
MEDTRONIC PLC	SHS	G5960L103	806,467	9,154	SH		SOLE		0	0	9,154
MERCK & CO INC	COM	58933Y105	2,655,413	23,013	SH		SOLE		0	0	23,013
META PLATFORMS INC	CL A	30303M102	1,846,142	6,433	SH		SOLE		0	0	6,433
MICROCHIP TECHNOLOGY INC.	COM	595017104	279,589	3,121	SH		SOLE		0	0	3,121
MICROSOFT CORP	COM	594918104	17,972,110	52,775	SH		SOLE		0	0	52,775
MONDELEZ INTL INC	CL A	609207105	245,577	3,367	SH		SOLE		0	0	3,367
MONGODB INC	CL A	60937P106	911,576	2,218	SH		SOLE		0	0	2,218
MORGAN STANLEY	COM NEW	617446448	251,845	2,949	SH		SOLE		0	0	2,949
NETFLIX INC	COM	64110L106	1,006,520	2,285	SH		SOLE		0	0	2,285
NEXTERA ENERGY INC	COM	65339F101	2,688,265	36,230	SH		SOLE		0	0	36,230
NIKE INC	CL B	654106103	1,099,114	9,958	SH		SOLE		0	0	9,958
NORFOLK SOUTHN CORP	COM	655844108	1,253,200	5,527	SH		SOLE		0	0	5,527
NOVARTIS AG	SPONSORED ADR	66987V109	747,037	7,403	SH		SOLE		0	0	7,403
NOVO-NORDISK A S	ADR	670100205	207,628	1,283	SH		SOLE		0	0	1,283
NVIDIA CORPORATION	COM	67066G104	4,032,664	9,533	SH		SOLE		0	0	9,533
OKTA INC	CL A	679295105	464,229	6,694	SH		SOLE		0	0	6,694
OLD DOMINION FREIGHT LINE IN	COM	679580100	493,986	1,336	SH		SOLE		0	0	1,336
OPENDOOR TECHNOLOGIES INC	COM	683712103	705,052	175,386	SH		SOLE		0	0	175,386
ORACLE CORP	COM	68389X105	426,819	3,584	SH		SOLE		0	0	3,584
OREILLY AUTOMOTIVE INC	COM	67103H107	251,244	263	SH		SOLE		0	0	263
PACER FDS TR	TRENDP US LAR CP	69374H105	409,283	9,910	SH		SOLE		0	0	9,910
PACER FDS TR	US CASH COWS 100	69374H881	701,056	14,645	SH		SOLE		0	0	14,645
PAYCHEX INC	COM	704326107	1,087,600	9,722	SH		SOLE		0	0	9,722
PEPSICO INC	COM	713448108	2,959,630	15,979	SH		SOLE		0	0	15,979
PFIZER INC	COM	717081103	1,837,070	50,084	SH		SOLE		0	0	50,084
PHILIP MORRIS INTL INC	COM	718172109	467,089	4,785	SH		SOLE		0	0	4,785
PHILLIPS 66	COM	718546104	580,101	6,082	SH		SOLE		0	0	6,082
PIMCO ETF TR	0-5 HIGH YIELD	72201R783	1,899,580	20,831	SH		SOLE		0	0	20,831
PIMCO ETF TR	ACTIVE BD ETF	72201R775	276,565	3,019	SH		SOLE		0	0	3,019
PIMCO ETF TR	ENHAN SHRT MA AC	72201R833	557,675	5,590	SH		SOLE		0	0	5,590
PIMCO ETF TR	INTER MUN BD ACT	72201R866	1,505,745	29,046	SH		SOLE		0	0	29,046
PNC FINL SVCS GROUP INC	COM	693475105	429,364	3,409	SH		SOLE		0	0	3,409
PROCTER AND GAMBLE CO	COM	742718109	8,521,370	56,158	SH		SOLE		0	0	56,158
PROSHARES TR	S&P 500 DV ARIST	74348A467	251,988	2,673	SH		SOLE		0	0	2,673
QUALCOMM INC	COM	747525103	241,651	2,030	SH		SOLE		0	0	2,030
QUANTERIX CORP	COM	74766Q101	1,459,413	64,719	SH		SOLE		0	0	64,719
RAPID7 INC	COM	753422104	730,864	16,141	SH		SOLE		0	0	16,141
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	1,143,978	11,678	SH		SOLE		0	0	11,678
REPUBLIC SVCS INC	COM	760759100	500,667	3,269	SH		SOLE		0	0	3,269
SALESFORCE INC	COM	79466L302	451,885	2,139	SH		SOLE		0	0	2,139
SCHLUMBERGER LTD	COM STK	806857108	238,134	4,848	SH		SOLE		0	0	4,848
SCHWAB CHARLES CORP	COM	808513105	574,466	10,135	SH		SOLE		0	0	10,135
SCHWAB STRATEGIC TR	1 5YR CORP BD	808524714	1,140,341	24,124	SH		SOLE		0	0	24,124
SCHWAB STRATEGIC TR	5 10YR CORP BD	808524698	446,138	10,128	SH		SOLE		0	0	10,128
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	1,717,784	69,744	SH		SOLE		0	0	69,744
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	2,157,948	60,532	SH		SOLE		0	0	60,532
SCHWAB STRATEGIC TR	INTL SCEQT ETF	808524888	6,157,003	182,322	SH		SOLE		0	0	182,322
SCHWAB STRATEGIC TR	INT-TRM U.S TRES	808524854	3,143,267	63,784	SH		SOLE		0	0	63,784
SCHWAB STRATEGIC TR	SCHWAB FDT US BM	808524789	1,708,092	30,104	SH		SOLE		0	0	30,104
SCHWAB STRATEGIC TR	SCHWB FDT INT LG	808524755	2,661,279	82,418	SH		SOLE		0	0	82,418
SCHWAB STRATEGIC TR	SHT TM US TRES	808524862	943,658	19,635	SH		SOLE		0	0	19,635
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	1,259,829	27,293	SH		SOLE		0	0	27,293
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	4,566,503	88,327	SH		SOLE		0	0	88,327
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	55,940,092	770,312	SH		SOLE		0	0	770,312
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	206,649	2,757	SH		SOLE		0	0	2,757
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	3,275,848	62,552	SH		SOLE		0	0	62,552
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	4,386,836	61,760	SH		SOLE		0	0	61,760
SCHWAB STRATEGIC TR	US REIT ETF	808524847	1,075,575	55,073	SH		SOLE		0	0	55,073
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	5,336,446	121,837	SH		SOLE		0	0	121,837
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	6,200,756	118,267	SH		SOLE		0	0	118,267
SELECT SECTOR SPDR TR	ENERGY	81369Y506	5,053,157	62,254	SH		SOLE		0	0	62,254
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	1,415,180	41,981	SH		SOLE		0	0	41,981
SELECT SECTOR SPDR TR	RL EST SEL SEC	81369Y860	202,891	5,383	SH		SOLE		0	0	5,383
SELECT SECTOR SPDR TR	SBI CONS DISCR	81369Y407	1,586,173	9,341	SH		SOLE		0	0	9,341
SELECT SECTOR SPDR TR	SBI CONS STPLS	81369Y308	695,859	9,382	SH		SOLE		0	0	9,382
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	7,356,772	55,427	SH		SOLE		0	0	55,427
SELECT SECTOR SPDR TR	SBI INT-UTILS	81369Y886	831,803	12,711	SH		SOLE		0	0	12,711
SELECT SECTOR SPDR TR	SBI MATERIALS	81369Y100	268,359	3,238	SH		SOLE		0	0	3,238
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	3,667,458	21,094	SH		SOLE		0	0	21,094
SHOPIFY INC	CL A	82509L107	445,740	6,900	SH		SOLE		0	0	6,900
SMUCKER J M CO	COM NEW	832696405	474,963	3,216	SH		SOLE		0	0	3,216
SOUTHERN CO	COM	842587107	876,439	12,476	SH		SOLE		0	0	12,476
SPDR DOW JONES INDL AVERAGE	UT SER 1	78467X109	229,936	669	SH		SOLE		0	0	669
SPDR GOLD TR	GOLD SHS	78463V107	1,560,041	8,751	SH		SOLE		0	0	8,751
SPDR INDEX SHS FDS	DJ GLB RL ES ETF	78463X749	3,020,065	73,535	SH		SOLE		0	0	73,535
SPDR INDEX SHS FDS	DJ INTL RL ETF	78463X863	561,610	22,673	SH		SOLE		0	0	22,673
SPDR INDEX SHS FDS	GLB NAT RESRCE	78463X541	4,558,354	84,555	SH		SOLE		0	0	84,555
SPDR INDEX SHS FDS	MSCI ACWI EXUS	78463X848	3,762,903	144,007	SH		SOLE		0	0	144,007
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	13,270,811	407,831	SH		SOLE		0	0	407,831
SPDR INDEX SHS FDS	PORTFOLIO EMG MK	78463X509	18,343,424	533,549	SH		SOLE		0	0	533,549
SPDR INDEX SHS FDS	S&P EMKTSC ETF	78463X756	463,786	8,832	SH		SOLE		0	0	8,832
SPDR INDEX SHS FDS	S&P INTL SMLCP	78463X871	1,126,246	36,914	SH		SOLE		0	0	36,914
SPDR S&P 500 ETF TR	TR UNIT	78462F103	4,215,214	9,509	SH		SOLE		0	0	9,509
SPDR S&P 500 ETF TR	TR UNIT	78462F103	2,127,744	4,800	SH	Put	SOLE		0	0	4,800
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	733,975	1,533	SH		SOLE		0	0	1,533
SPDR SER TR	BLOOMBERG 1 10 Y	78468R861	1,320,680	71,543	SH		SOLE		0	0	71,543
SPDR SER TR	BLOOMBERG 1-3 MO	78468R663	2,734,886	29,785	SH		SOLE		26,740	0	3,045
SPDR SER TR	BLOOMBERG 3-12 M	78468R523	548,820	5,518	SH		SOLE		0	0	5,518
SPDR SER TR	BLOOMBERG EMERGI	78464A391	2,857,489	135,042	SH		SOLE		0	0	135,042
SPDR SER TR	BLOOMBERG INVT	78468R200	60,995,054	1,987,457	SH		SOLE		370,612	0	1,616,845
SPDR SER TR	DJ REIT ETF	78464A607	1,034,362	11,437	SH		SOLE		0	0	11,437
SPDR SER TR	NUVEEN BLMBRG MU	78468R721	277,699	6,016	SH		SOLE		0	0	6,016
SPDR SER TR	PORT MTG BK ETF	78464A383	535,086	24,422	SH		SOLE		0	0	24,422
SPDR SER TR	PORTFOLI S&P1500	78464A805	118,996,730	2,185,833	SH		SOLE		0	0	2,185,833
SPDR SER TR	PORTFOLIO CRPORT	78464A144	1,590,787	55,092	SH		SOLE		0	0	55,092
SPDR SER TR	PORTFOLIO LN COR	78464A367	273,491	11,758	SH		SOLE		0	0	11,758
SPDR SER TR	PORTFOLIO S&P400	78464A847	250,497,909	5,458,660	SH		SOLE		1,819,081	0	3,639,579
SPDR SER TR	PORTFOLIO S&P500	78464A854	4,830,325	92,695	SH		SOLE		0	0	92,695
SPDR SER TR	PORTFOLIO S&P600	78468R853	198,615,017	5,113,672	SH		SOLE		1,722,024	0	3,391,648
SPDR SER TR	PORTFOLIO SHORT	78464A474	156,707,565	5,322,947	SH		SOLE		1,277,337	0	4,045,610
SPDR SER TR	PRTFLO S&P500 GW	78464A409	293,855,939	4,816,521	SH		SOLE		496,082	0	4,320,439
SPDR SER TR	PRTFLO S&P500 VL	78464A508	311,225,590	7,204,296	SH		SOLE		1,054,879	0	6,149,417
SPDR SER TR	S&P 600 SMCP VAL	78464A300	1,404,425	18,194	SH		SOLE		0	0	18,194
SPDR SER TR	S&P DIVID ETF	78464A763	1,954,275	15,943	SH		SOLE		0	0	15,943
SPDR SER TR	SPDR MSCI USA GE	78468R747	286,570	3,255	SH		SOLE		0	0	3,255
SPDR SER TR	SSGA US LRG ETF	78468R804	363,750	2,587	SH		SOLE		0	0	2,587
SSGA ACTIVE ETF TR	MULT ASS RLRTN	78467V103	642,701	24,134	SH		SOLE		0	0	24,134
STARBUCKS CORP	COM	855244109	1,066,613	10,767	SH		SOLE		0	0	10,767
STRYKER CORPORATION	COM	863667101	592,007	1,940	SH		SOLE		0	0	1,940
SUMMIT MATLS INC	CL A	86614U100	1,111,011	29,353	SH		SOLE		0	0	29,353
SUPER MICRO COMPUTER INC	COM	86800U104	2,411,992	9,677	SH		SOLE		0	0	9,677
SYSCO CORP	COM	871829107	207,908	2,802	SH		SOLE		0	0	2,802
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	557,166	5,521	SH		SOLE		0	0	5,521
TARGET CORP	COM	87612E106	1,813,773	13,751	SH		SOLE		0	0	13,751
TESLA INC	COM	88160R101	2,713,246	10,365	SH		SOLE		0	0	10,365
TEXAS INSTRS INC	COM	882508104	353,559	1,964	SH		SOLE		0	0	1,964
THERMO FISHER SCIENTIFIC INC	COM	883556102	307,833	590	SH		SOLE		0	0	590
TORONTO DOMINION BK ONT	COM NEW	891160509	1,172,113	18,902	SH		SOLE		0	0	18,902
TRUIST FINL CORP	COM	89832Q109	350,842	11,560	SH		SOLE		0	0	11,560
TWILIO INC	CL A	90138F102	1,046,295	16,446	SH		SOLE		0	0	16,446
UBER TECHNOLOGIES INC	COM	90353T100	1,427,675	33,071	SH		SOLE		0	0	33,071
UNION PAC CORP	COM	907818108	2,150,006	10,507	SH		SOLE		0	0	10,507
UNITED PARCEL SERVICE INC	CL B	911312106	876,065	4,887	SH		SOLE		0	0	4,887
UNITED RENTALS INC	COM	911363109	340,708	765	SH		SOLE		0	0	765
UNITEDHEALTH GROUP INC	COM	91324P102	2,835,868	5,900	SH		SOLE		0	0	5,900
US BANCORP DEL	COM NEW	902973304	374,645	11,339	SH		SOLE		0	0	11,339
VANECK ETF TRUST	HIGH YLD MUNIETF	92189H409	2,214,808	43,140	SH		SOLE		0	0	43,140
VANECK ETF TRUST	JP MRGAN EM LOC	92189H300	80,452,312	3,147,587	SH		SOLE		749,842	0	2,397,745
VANECK ETF TRUST	MRNGSTR WDE MOAT	92189F643	211,124	2,646	SH		SOLE		0	0	2,646
VANGUARD ADMIRAL FDS INC	500 GRTH IDX F	921932505	3,771,204	14,842	SH		SOLE		0	0	14,842
VANGUARD ADMIRAL FDS INC	500 VAL IDX FD	921932703	2,964,528	19,040	SH		SOLE		0	0	19,040
VANGUARD ADMIRAL FDS INC	MIDCP 400 IDX	921932885	669,830	7,564	SH		SOLE		0	0	7,564
VANGUARD ADMIRAL FDS INC	MIDCP 400 VAL	921932844	343,765	4,176	SH		SOLE		0	0	4,176
VANGUARD ADMIRAL FDS INC	SMLCP 600 VAL	921932778	317,766	3,870	SH		SOLE		0	0	3,870
VANGUARD ADMIRAL FDS INC	SMLLCP 600 IDX	921932828	680,354	7,404	SH		SOLE		0	0	7,404
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	1,420,357	18,880	SH		SOLE		0	0	18,880
VANGUARD BD INDEX FDS	LONG TERM BOND	921937793	706,421	9,429	SH		SOLE		0	0	9,429
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	69,195,005	915,641	SH		SOLE		0	0	915,641
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	3,344,597	46,012	SH		SOLE		0	0	46,012
VANGUARD BD INDEX FDS	VANGUARD ULTRA	92203C303	3,028,059	61,596	SH		SOLE		0	0	61,596
VANGUARD CHARLOTTE FDS	TOTAL INT BD ETF	92203J407	27,866,823	570,107	SH		SOLE		125,144	0	444,963
VANGUARD INDEX FDS	EXTEND MKT ETF	922908652	16,998,853	114,217	SH		SOLE		0	0	114,217
VANGUARD INDEX FDS	GROWTH ETF	922908736	1,899,758	6,714	SH		SOLE		0	0	6,714
VANGUARD INDEX FDS	MCAP GR IDXVIP	922908538	247,541	1,203	SH		SOLE		0	0	1,203
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	266,852	1,928	SH		SOLE		0	0	1,928
VANGUARD INDEX FDS	MID CAP ETF	922908629	6,794,220	30,860	SH		SOLE		0	0	30,860
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	13,795,004	165,091	SH		SOLE		0	0	165,091
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	229,274,623	562,941	SH		SOLE		398,778	0	164,163
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	539,039	3,259	SH		SOLE		0	0	3,259
VANGUARD INDEX FDS	SMALL CP ETF	922908751	4,859,522	24,433	SH		SOLE		0	0	24,433
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	24,735,672	112,292	SH		SOLE		0	0	112,292
VANGUARD INDEX FDS	VALUE ETF	922908744	7,999,872	56,297	SH		SOLE		0	0	56,297
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	27,472,306	504,913	SH		SOLE		0	0	504,913
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	155,512,283	3,822,819	SH		SOLE		987,052	0	2,835,767
VANGUARD INTL EQUITY INDEX F	FTSE SMCAP ETF	922042718	5,996,965	54,281	SH		SOLE		0	0	54,281
VANGUARD INTL EQUITY INDEX F	GLB EX US ETF	922042676	7,067,845	175,861	SH		SOLE		0	0	175,861
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	1,425,787	14,702	SH		SOLE		0	0	14,702
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	239,898,955	5,059,025	SH		SOLE		1,201,506	0	3,857,519
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	5,933,345	118,147	SH		SOLE		0	0	118,147
VANGUARD SCOTTSDALE FDS	INTER TERM TREAS	92206C706	54,044,361	921,315	SH		SOLE		178,534	0	742,781
VANGUARD SCOTTSDALE FDS	LONG TERM TREAS	92206C847	353,862	5,570	SH		SOLE		0	0	5,570
VANGUARD SCOTTSDALE FDS	MTG-BKD SECS ETF	92206C771	50,482,993	1,097,695	SH		SOLE		290,696	0	806,999
VANGUARD SCOTTSDALE FDS	SHORT TERM TREAS	92206C102	116,359,988	2,015,590	SH		SOLE		527,240	0	1,488,350
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	7,290,299	96,356	SH		SOLE		0	0	96,356
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	21,432,641	131,950	SH		SOLE		0	0	131,950
VANGUARD STAR FDS	VG TL INTL STK F	921909768	4,739,433	84,512	SH		SOLE		0	0	84,512
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	453,063,653	9,810,820	SH		SOLE		2,774,963	0	7,035,857
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	11,830,902	111,539	SH		SOLE		0	0	111,539
VANGUARD WHITEHALL FDS	INTL HIGH ETF	921946794	1,134,946	17,958	SH		SOLE		0	0	17,958
VANGUARD WORLD FD	ESG US STK ETF	921910733	1,124,401	14,351	SH		SOLE		0	0	14,351
VANGUARD WORLD FD	MEGA CAP INDEX	921910873	1,993,770	12,743	SH		SOLE		0	0	12,743
VANGUARD WORLD FD	MEGA GRWTH IND	921910816	1,780,311	7,565	SH		SOLE		0	0	7,565
VANGUARD WORLD FDS	ENERGY ETF	92204A306	2,018,598	17,881	SH		SOLE		0	0	17,881
VANGUARD WORLD FDS	FINANCIALS ETF	92204A405	585,749	7,210	SH		SOLE		0	0	7,210
VANGUARD WORLD FDS	HEALTH CAR ETF	92204A504	1,908,960	7,797	SH		SOLE		0	0	7,797
VANGUARD WORLD FDS	INF TECH ETF	92204A702	1,731,658	3,916	SH		SOLE		0	0	3,916
VANGUARD WORLD FDS	MATERIALS ETF	92204A801	876,945	4,819	SH		SOLE		0	0	4,819
VANGUARD WORLD FDS	UTILITIES ETF	92204A876	702,986	4,945	SH		SOLE		0	0	4,945
VERIZON COMMUNICATIONS INC	COM	92343V104	1,304,775	35,084	SH		SOLE		0	0	35,084
VICOR CORP	COM	925815102	468,504	8,676	SH		SOLE		0	0	8,676
VISA INC	COM CL A	92826C839	721,019	3,036	SH		SOLE		0	0	3,036
WALMART INC	COM	931142103	2,466,253	15,691	SH		SOLE		0	0	15,691
WASTE MGMT INC DEL	COM	94106L109	1,731,672	9,985	SH		SOLE		0	0	9,985
WEC ENERGY GROUP INC	COM	92939U106	932,300	10,566	SH		SOLE		0	0	10,566
WELLS FARGO CO NEW	COM	949746101	633,200	14,836	SH		SOLE		0	0	14,836
WISDOMTREE TR	EM EX ST-OWNED	97717X578	64,065,831	2,292,159	SH		SOLE		795,405	0	1,496,754
WISDOMTREE TR	EM LCL DEBT FD	97717X867	227,549	8,249	SH		SOLE		0	0	8,249
WISDOMTREE TR	EMER MKT HIGH FD	97717W315	2,968,882	77,577	SH		SOLE		0	0	77,577
WISDOMTREE TR	INTL EQUITY FD	97717W703	6,198,613	123,898	SH		SOLE		0	0	123,898
WISDOMTREE TR	TARGET RANGE FD	97717Y675	61,978,036	2,761,945	SH		SOLE		0	0	2,761,945
WISDOMTREE TR	US QTLY DIV GRT	97717X669	1,206,901	18,105	SH		SOLE		0	0	18,105
WISDOMTREE TR	US SMALLCAP DIVD	97717W604	4,696,422	163,127	SH		SOLE		0	0	163,127
WP CAREY INC	COM	92936U109	211,801	3,135	SH		SOLE		0	0	3,135
ZEBRA TECHNOLOGIES CORPORATI	CL A	989207105	236,664	800	SH		SOLE		0	0	800
ZOETIS INC	CL A	98978V103	204,758	1,189	SH		SOLE		0	0	1,189