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	285,848	3,053	SH		SOLE		0	0	3,053
ABBOTT LABS	COM	002824100	1,503,176	15,521	SH		SOLE		0	0	15,521
ABBVIE INC	COM	00287Y109	1,019,897	6,842	SH		SOLE		0	0	6,842
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	4,445,198	14,474	SH		SOLE		0	0	14,474
ADVANCED MICRO DEVICES INC	COM	007903107	492,302	4,788	SH		SOLE		0	0	4,788
AFLAC INC	COM	001055102	1,752,099	22,829	SH		SOLE		0	0	22,829
AIR PRODS & CHEMS INC	COM	009158106	913,965	3,225	SH		SOLE		0	0	3,225
ALIGN TECHNOLOGY INC	COM	016255101	1,052,438	3,447	SH		SOLE		0	0	3,447
ALPHABET INC	CAP STK CL A	02079K305	1,933,064	14,772	SH		SOLE		0	0	14,772
ALPHABET INC	CAP STK CL C	02079K107	4,428,842	33,590	SH		SOLE		0	0	33,590
ALTRIA GROUP INC	COM	02209S103	308,220	7,330	SH		SOLE		0	0	7,330
AMAZON COM INC	COM	023135106	6,703,419	52,733	SH		SOLE		0	0	52,733
AMERICAN CENTY ETF TR	AVANTIS EMGMKT	025072604	1,061,290	20,104	SH		SOLE		0	0	20,104
AMERICAN TOWER CORP NEW	COM	03027X100	248,828	1,513	SH		SOLE		0	0	1,513
AMGEN INC	COM	031162100	2,147,586	7,991	SH		SOLE		0	0	7,991
ANALOG DEVICES INC	COM	032654105	1,415,778	8,086	SH		SOLE		0	0	8,086
APPLE INC	COM	037833100	29,018,824	169,493	SH		SOLE		0	0	169,493
APPLIED MATLS INC	COM	038222105	214,874	1,552	SH		SOLE		0	0	1,552
AT&T INC	COM	00206R102	318,959	21,236	SH		SOLE		0	0	21,236
AUTOMATIC DATA PROCESSING IN	COM	053015103	2,994,254	12,446	SH		SOLE		0	0	12,446
BANK AMERICA CORP	COM	060505104	598,865	21,872	SH		SOLE		0	0	21,872
BANK NEW YORK MELLON CORP	COM	064058100	526,386	12,342	SH		SOLE		0	0	12,342
BECTON DICKINSON & CO	COM	075887109	1,198,588	4,636	SH		SOLE		0	0	4,636
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	16,095,584	45,948	SH		SOLE		0	0	45,948
BILL HOLDINGS INC	COM	090043100	1,058,449	9,749	SH		SOLE		0	0	9,749
BIOSIG TECHNOLOGIES INC	COM NEW	09073N201	10,259	20,966	SH		SOLE		0	0	20,966
BJS WHSL CLUB HLDGS INC	COM	05550J101	1,891,876	26,508	SH		SOLE		0	0	26,508
BLACKROCK INC	COM	09247X101	950,340	1,470	SH		SOLE		0	0	1,470
BLACKSTONE INC	COM	09260D107	425,897	3,975	SH		SOLE		0	0	3,975
BOEING CO	COM	097023105	665,130	3,470	SH		SOLE		0	0	3,470
BOX INC	CL A	10316T104	592,298	24,465	SH		SOLE		0	0	24,465
BRISTOL-MYERS SQUIBB CO	COM	110122108	244,871	4,219	SH		SOLE		0	0	4,219
BROADCOM INC	COM	11135F101	531,571	640	SH		SOLE		0	0	640
CALAMOS CONV & HIGH INCOME F	COM SHS	12811P108	111,645	10,004	SH		SOLE		0	0	10,004
CAPITAL GROUP CORE EQUITY ET	SHS CREATION UNI	14020V108	415,169	16,534	SH		SOLE		0	0	16,534
CAPITAL GROUP DIVIDEND VALUE	SHS CREATION UNI	14020W106	12,204,980	461,087	SH		SOLE		0	0	461,087
CAPITAL GROUP GBL GROWTH EQT	SHS CREATION UNI	14020X104	390,166	17,023	SH		SOLE		0	0	17,023
CAPITAL GROUP GROWTH ETF	SHS CREATION UNI	14020G101	2,469,553	100,798	SH		SOLE		0	0	100,798
CAPITAL GROUP INTL FOCUS EQT	SHS CREATION UNI	14019W109	1,619,264	74,483	SH		SOLE		0	0	74,483
CAPITAL GRP FIXED INCM ETF T	CORE PLUS INCM	14020Y102	675,880	31,436	SH		SOLE		0	0	31,436
CATERPILLAR INC	COM	149123101	624,848	2,289	SH		SOLE		0	0	2,289
CHEVRON CORP NEW	COM	166764100	2,756,610	16,348	SH		SOLE		0	0	16,348
CHIPOTLE MEXICAN GRILL INC	COM	169656105	203,333	111	SH		SOLE		0	0	111
CHUBB LIMITED	COM	H1467J104	1,154,983	5,548	SH		SOLE		0	0	5,548
CHURCH & DWIGHT CO INC	COM	171340102	336,924	3,677	SH		SOLE		0	0	3,677
CINCINNATI FINL CORP	COM	172062101	984,950	9,629	SH		SOLE		0	0	9,629
CISCO SYS INC	COM	17275R102	2,192,547	40,784	SH		SOLE		0	0	40,784
CLOROX CO DEL	COM	189054109	476,796	3,638	SH		SOLE		0	0	3,638
COCA COLA CO	COM	191216100	1,044,466	18,658	SH		SOLE		0	0	18,658
COLGATE PALMOLIVE CO	COM	194162103	780,581	10,977	SH		SOLE		0	0	10,977
COMCAST CORP NEW	CL A	20030N101	411,429	9,279	SH		SOLE		0	0	9,279
CONOCOPHILLIPS	COM	20825C104	527,959	4,407	SH		SOLE		0	0	4,407
CONSOLIDATED EDISON INC	COM	209115104	262,406	3,068	SH		SOLE		0	0	3,068
CORNING INC	COM	219350105	219,543	7,205	SH		SOLE		0	0	7,205
CORTEVA INC	COM	22052L104	267,926	5,237	SH		SOLE		0	0	5,237
COSTCO WHSL CORP NEW	COM	22160K105	791,820	1,402	SH		SOLE		0	0	1,402
CROCS INC	COM	227046109	718,810	8,147	SH		SOLE		0	0	8,147
CSX CORP	COM	126408103	1,022,991	33,268	SH		SOLE		0	0	33,268
CVS HEALTH CORP	COM	126650100	336,113	4,814	SH		SOLE		0	0	4,814
DANAHER CORPORATION	COM	235851102	736,857	2,970	SH		SOLE		0	0	2,970
DASEKE INC	COM	23753F107	709,438	138,292	SH		SOLE		0	0	138,292
DBX ETF TR	XTRACK MSCI EAFE	233051630	5,770,854	255,461	SH		SOLE		0	0	255,461
DBX ETF TR	XTRACK USD HIGH	233051432	128,444,020	3,788,909	SH		SOLE		925,056	0	2,863,853
DBX ETF TR	XTRACKERS LOW	233051267	318,328	7,208	SH		SOLE		0	0	7,208
DECKERS OUTDOOR CORP	COM	243537107	282,235	549	SH		SOLE		0	0	549
DEERE & CO	COM	244199105	593,497	1,573	SH		SOLE		0	0	1,573
DIAGEO PLC	SPON ADR NEW	25243Q205	482,150	3,232	SH		SOLE		0	0	3,232
DIMENSIONAL ETF TRUST	US SMALL CAP ETF	25434V500	903,983	17,222	SH		SOLE		0	0	17,222
DISNEY WALT CO	COM	254687106	598,570	7,385	SH		SOLE		0	0	7,385
DOMINION ENERGY INC	COM	25746U109	298,128	6,674	SH		SOLE		0	0	6,674
DOVER CORP	COM	260003108	608,264	4,360	SH		SOLE		0	0	4,360
DUKE ENERGY CORP NEW	COM NEW	26441C204	519,798	5,889	SH		SOLE		0	0	5,889
E L F BEAUTY INC	COM	26856L103	517,739	4,714	SH		SOLE		0	0	4,714
EATON CORP PLC	SHS	G29183103	1,026,543	4,813	SH		SOLE		0	0	4,813
EDWARDS LIFESCIENCES CORP	COM	28176E108	283,494	4,092	SH		SOLE		0	0	4,092
ELEVANCE HEALTH INC	COM	036752103	691,372	1,588	SH		SOLE		0	0	1,588
ELI LILLY & CO	COM	532457108	2,403,342	4,474	SH		SOLE		0	0	4,474
EMERSON ELEC CO	COM	291011104	880,042	9,113	SH		SOLE		0	0	9,113
ENBRIDGE INC	COM	29250N105	238,860	7,122	SH		SOLE		0	0	7,122
EVERSOURCE ENERGY	COM	30040W108	526,897	9,061	SH		SOLE		0	0	9,061
EXXON MOBIL CORP	COM	30231G102	5,177,214	44,031	SH		SOLE		0	0	44,031
FACTSET RESH SYS INC	COM	303075105	842,600	1,927	SH		SOLE		0	0	1,927
FEDERAL AGRIC MTG CORP	CL C	313148306	594,518	3,853	SH		SOLE		0	0	3,853
FEDEX CORP	COM	31428X106	451,954	1,706	SH		SOLE		0	0	1,706
FIDELITY COVINGTON TRUST	MSCI ENERGY IDX	316092402	414,403	16,636	SH		SOLE		0	0	16,636
FIDELITY COVINGTON TRUST	MSCI HLTH CARE I	316092600	2,102,671	34,709	SH		SOLE		0	0	34,709
FIDELITY COVINGTON TRUST	MSCI INFO TECH I	316092808	396,326	3,224	SH		SOLE		0	0	3,224
FIDELITY COVINGTON TRUST	MSCI UTILS INDEX	316092865	2,662,993	70,227	SH		SOLE		0	0	70,227
FIDELITY COVINGTON TRUST	VLU FACTOR ETF	316092782	1,449,673	30,296	SH		SOLE		0	0	30,296
FIDELITY MERRIMACK STR TR	CORP BOND ETF	316188101	1,665,264	38,098	SH		SOLE		0	0	38,098
FIDELITY MERRIMACK STR TR	TOTAL BD ETF	316188309	6,339,584	145,537	SH		SOLE		0	0	145,537
FIRST TR EXCH TRADED FD III	MANAGD MUN ETF	33739N108	485,061	9,924	SH		SOLE		0	0	9,924
FIRST TR EXCH TRADED FD III	PFD SECS INC ETF	33739E108	3,558,960	222,853	SH		SOLE		0	0	222,853
FIRST TR EXCHANGE TRAD FD VI	FST TR GLB FD	33739H101	10,817,160	450,715	SH		SOLE		0	0	450,715
FIRST TR EXCHANGE TRADED FD	CLOUD COMPUTING	33734X192	259,384	3,417	SH		SOLE		0	0	3,417
FIRST TR EXCHANGE TRADED FD	NASDAQ CYB ETF	33734X846	253,563	5,581	SH		SOLE		0	0	5,581
FIRST TR EXCHANGE-TRADED FD	CAP STRENGTH ETF	33733E104	10,828,085	147,061	SH		SOLE		0	0	147,061
FIRST TR EXCHANGE-TRADED FD	DORSEY WRT 5 ETF	33738R605	3,224,339	72,784	SH		SOLE		0	0	72,784
FIRST TR EXCHANGE-TRADED FD	FIRST TR ENH NEW	33739Q408	951,502	16,013	SH		SOLE		0	0	16,013
FIRST TR EXCHANGE-TRADED FD	RISNG DIVD ACHIV	33738R506	11,368,736	247,415	SH		SOLE		0	0	247,415
FIRST TR EXCHANGE-TRADED FD	SENIOR LN FD	33738D309	764,107	16,705	SH		SOLE		0	0	16,705
FIRST TR EXCHNG TRADED FD VI	CBOE VEST US EQ	33740F755	461,710	18,853	SH		SOLE		0	0	18,853
FIRST TR LRG CP VL ALPHADEX	COM SHS	33735J101	394,186	6,085	SH		SOLE		0	0	6,085
FIRST TR LRGE CP CORE ALPHA	COM SHS	33734K109	370,627	4,570	SH		SOLE		0	0	4,570
FIRST TR NAS100 EQ WEIGHTED	SHS	337344105	214,242	2,060	SH		SOLE		0	0	2,060
FIRST TR VALUE LINE DIVID IN	SHS	33734H106	4,059,953	108,584	SH		SOLE		0	0	108,584
FLEXSHARES TR	IBOXX 3R TARGT	33939L506	12,034,766	518,964	SH		SOLE		0	0	518,964
FLEXSHARES TR	MORNSTAR UPSTR	33939L407	115,269,835	2,850,392	SH		SOLE		830,305	0	2,020,087
FORD MTR CO DEL	COM	345370860	156,219	12,578	SH		SOLE		0	0	12,578
FRANKLIN TEMPLETON ETF TR	HIGH YIELD CORP	35473P629	574,808	25,547	SH		SOLE		0	0	25,547
FRANKLIN TEMPLETON ETF TR	US TREASURY BOND	35473P488	600,789	30,062	SH		SOLE		0	0	30,062
GEN RESTAURENT GROUP	CL A COM	36870C104	256,778	22,060	SH		SOLE		0	0	22,060
GENERAL DYNAMICS CORP	COM	369550108	1,608,662	7,280	SH		SOLE		0	0	7,280
GENERAL ELECTRIC CO	COM NEW	369604301	580,188	5,248	SH		SOLE		0	0	5,248
GENERAL MLS INC	COM	370334104	207,973	3,250	SH		SOLE		0	0	3,250
GENUINE PARTS CO	COM	372460105	704,430	4,879	SH		SOLE		0	0	4,879
GILEAD SCIENCES INC	COM	375558103	371,852	4,962	SH		SOLE		0	0	4,962
GLOBAL X FDS	AUTONMOUS EV ETF	37954Y624	211,910	9,021	SH		SOLE		0	0	9,021
GLOBAL X FDS	US INFR DEV ETF	37954Y673	264,221	8,697	SH		SOLE		0	0	8,697
GMS INC	COM	36251C103	1,919,100	30,000	SH		SOLE		0	0	30,000
GOLDMAN SACHS ETF TR	ACCES TREASURY	381430529	2,740,211	27,372	SH		SOLE		24,639	0	2,733
HOME DEPOT INC	COM	437076102	2,713,874	8,982	SH		SOLE		0	0	8,982
HONEYWELL INTL INC	COM	438516106	801,587	4,339	SH		SOLE		0	0	4,339
HUBSPOT INC	COM	443573100	1,059,860	2,152	SH		SOLE		0	0	2,152
HUNTINGTON BANCSHARES INC	COM	446150104	489,871	47,103	SH		SOLE		0	0	47,103
IDEXX LABS INC	COM	45168D104	866,669	1,982	SH		SOLE		0	0	1,982
ILLINOIS TOOL WKS INC	COM	452308109	2,187,024	9,496	SH		SOLE		0	0	9,496
INDIE SEMICONDUCTOR INC	*W EXP 06/10/202	45569U119	17,800	10,000	SH		SOLE		0	0	10,000
INNOVATOR ETFS TR	INTRNL DEV APRL	45782C367	502,305	20,803	SH		SOLE		0	0	20,803
INNOVATOR ETFS TR	US EQT PWR BUF	45782C870	1,154,272	37,709	SH		SOLE		0	0	37,709
INNOVATOR ETFS TR	US EQT ULTRA BF	45782C300	381,703	11,720	SH		SOLE		0	0	11,720
INNOVATOR ETFS TR	US EQTY PWR BF	45782C680	1,384,675	44,595	SH		SOLE		0	0	44,595
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C656	567,778	17,524	SH		SOLE		0	0	17,524
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C417	543,285	17,838	SH		SOLE		0	0	17,838
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C813	787,165	23,358	SH		SOLE		0	0	23,358
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C797	873,757	25,729	SH		SOLE		0	0	25,729
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C508	295,489	8,492	SH		SOLE		0	0	8,492
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C748	698,808	22,319	SH		SOLE		0	0	22,319
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C318	1,135,752	38,474	SH		SOLE		0	0	38,474
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C540	308,035	9,519	SH		SOLE		0	0	9,519
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C383	1,833,879	54,759	SH		SOLE		0	0	54,759
INSIGHT ENTERPRISES INC	COM	45765U103	276,596	1,901	SH		SOLE		0	0	1,901
INTEL CORP	COM	458140100	351,007	9,874	SH		SOLE		0	0	9,874
INTERNATIONAL BUSINESS MACHS	COM	459200101	538,194	3,836	SH		SOLE		0	0	3,836
INTUIT	COM	461202103	753,126	1,474	SH		SOLE		0	0	1,474
INTUITIVE SURGICAL INC	COM NEW	46120E602	242,016	828	SH		SOLE		0	0	828
INVESCO EXCH TRADED FD TR II	MSCI GBL TIMBR	46138E545	5,907,325	195,944	SH		SOLE		0	0	195,944
INVESCO EXCH TRADED FD TR II	S&P500 HDL VOL	46138E362	228,204	5,823	SH		SOLE		0	0	5,823
INVESCO EXCH TRADED FD TR II	S&P500 LOW VOL	46138E354	337,102	5,734	SH		SOLE		0	0	5,734
INVESCO EXCH TRD SLF IDX FD	BULSHS 2023 CB	46138J866	366,918	17,283	SH		SOLE		0	0	17,283
INVESCO EXCH TRD SLF IDX FD	BULSHS 2024 CB	46138J841	309,595	14,978	SH		SOLE		0	0	14,978
INVESCO EXCH TRD SLF IDX FD	BULSHS 2025 CB	46138J825	285,844	14,214	SH		SOLE		0	0	14,214
INVESCO EXCH TRD SLF IDX FD	BULSHS 2026 CB	46138J791	199,800	10,636	SH		SOLE		0	0	10,636
INVESCO EXCHANGE TRADED FD T	AEROSPACE DEFN	46137V100	252,463	3,164	SH		SOLE		0	0	3,164
INVESCO EXCHANGE TRADED FD T	DORSEY WRIGHT HE	46137V852	214,442	6,386	SH		SOLE		0	0	6,386
INVESCO EXCHANGE TRADED FD T	S&P MDCP QUALITY	46137V472	1,045,776	12,985	SH		SOLE		0	0	12,985
INVESCO EXCHANGE TRADED FD T	S&P SMCP VLU MNT	46137V480	7,544,318	156,684	SH		SOLE		0	0	156,684
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	254,192	1,794	SH		SOLE		0	0	1,794
INVESCO QQQ TR	UNIT SER 1	46090E103	3,371,081	9,409	SH		SOLE		0	0	9,409
ISHARES GOLD TR	ISHARES NEW	464285204	320,403	9,157	SH		SOLE		0	0	9,157
ISHARES INC	CORE MSCI EMKT	46434G103	727,045	15,277	SH		SOLE		0	0	15,277
ISHARES INC	EM MKT SM-CP ETF	464286475	3,841,383	70,355	SH		SOLE		0	0	70,355
ISHARES INC	MSCI AGRICULTURE	464286350	215,552	5,662	SH		SOLE		0	0	5,662
ISHARES INC	MSCI EMRG CHN	46434G764	40,803,727	818,859	SH		SOLE		288,833	0	530,026
ISHARES INC	MSCI GBL MIN VOL	464286525	403,114	4,225	SH		SOLE		0	0	4,225
ISHARES TR	0-3 MNTH TREASRY	46436E718	3,916,901	38,908	SH		SOLE		32,708	0	6,200
ISHARES TR	0-5 YR TIPS ETF	46429B747	8,021,773	82,767	SH		SOLE		0	0	82,767
ISHARES TR	3 7 YR TREAS BD	464288661	396,173	3,501	SH		SOLE		0	0	3,501
ISHARES TR	7-10 YR TRSY BD	464287440	234,287	2,558	SH		SOLE		0	0	2,558
ISHARES TR	AGGRES ALLOC ETF	464289859	542,268	8,541	SH		SOLE		0	0	8,541
ISHARES TR	BLACKROCK ULTRA	46434V878	1,364,643	27,087	SH		SOLE		0	0	27,087
ISHARES TR	CALIF MUN BD ETF	464288356	774,286	14,119	SH		SOLE		0	0	14,119
ISHARES TR	CORE 1 5 YR USD	46432F859	2,283,612	49,237	SH		SOLE		0	0	49,237
ISHARES TR	CORE DIV GRWTH	46434V621	2,647,310	53,449	SH		SOLE		0	0	53,449
ISHARES TR	CORE HIGH DV ETF	46429B663	1,002,106	10,134	SH		SOLE		0	0	10,134
ISHARES TR	CORE INTL AGGR	46435G672	1,154,525	23,668	SH		SOLE		0	0	23,668
ISHARES TR	CORE MSCI EAFE	46432F842	2,366,214	36,771	SH		SOLE		0	0	36,771
ISHARES TR	CORE MSCI INTL	46435G326	286,595	4,918	SH		SOLE		0	0	4,918
ISHARES TR	CORE MSCI TOTAL	46432F834	1,919,980	32,005	SH		SOLE		0	0	32,005
ISHARES TR	CORE S&P MCP ETF	464287507	51,718,706	207,414	SH		SOLE		0	0	207,414
ISHARES TR	CORE S&P SCP ETF	464287804	36,736,907	389,451	SH		SOLE		0	0	389,451
ISHARES TR	CORE S&P TTL STK	464287150	29,871,795	317,144	SH		SOLE		0	0	317,144
ISHARES TR	CORE S&P US GWT	464287671	4,174,674	44,023	SH		SOLE		0	0	44,023
ISHARES TR	CORE S&P US VLU	464287663	1,948,564	26,113	SH		SOLE		0	0	26,113
ISHARES TR	CORE S&P500 ETF	464287200	22,530,782	52,467	SH		SOLE		0	0	52,467
ISHARES TR	CORE TOTAL USD	46434V613	257,787	5,897	SH		SOLE		0	0	5,897
ISHARES TR	CORE US AGGBD ET	464287226	18,066,784	192,118	SH		SOLE		0	0	192,118
ISHARES TR	EAFE GRWTH ETF	464288885	3,744,547	43,390	SH		SOLE		0	0	43,390
ISHARES TR	ESG AWR MSCI USA	46435G425	768,653	8,185	SH		SOLE		0	0	8,185
ISHARES TR	ESG MSCI USA ETF	46436E767	216,244	6,239	SH		SOLE		0	0	6,239
ISHARES TR	EXPND TEC SC ETF	464287549	257,838	675	SH		SOLE		0	0	675
ISHARES TR	EXPONENTIAL TECH	46434V381	2,349,925	45,009	SH		SOLE		0	0	45,009
ISHARES TR	FLTG RATE NT ETF	46429B655	1,157,944	22,754	SH		SOLE		0	0	22,754
ISHARES TR	GL CLEAN ENE ETF	464288224	200,689	13,727	SH		SOLE		0	0	13,727
ISHARES TR	GLOBAL 100 ETF	464287572	934,611	12,761	SH		SOLE		0	0	12,761
ISHARES TR	GLOBAL REIT ETF	46434V647	104,328,329	4,928,121	SH		SOLE		1,700,560	0	3,227,561
ISHARES TR	GRWT ALLOCAT ETF	464289867	516,512	10,454	SH		SOLE		0	0	10,454
ISHARES TR	HDG MSCI EAFE	46434V803	641,852	21,324	SH		SOLE		0	0	21,324
ISHARES TR	IBONDS 23 TRM TS	46436E882	1,226,058	49,398	SH		SOLE		0	0	49,398
ISHARES TR	IBONDS 24 TRM TS	46436E874	1,227,987	51,510	SH		SOLE		0	0	51,510
ISHARES TR	IBONDS 25 TRM TS	46436E866	609,679	26,416	SH		SOLE		0	0	26,416
ISHARES TR	IBONDS DEC	46435U697	1,001,798	38,996	SH		SOLE		0	0	38,996
ISHARES TR	IBONDS DEC 25	46435U432	982,266	37,664	SH		SOLE		0	0	37,664
ISHARES TR	IBONDS DEC 26	46435U259	896,907	36,151	SH		SOLE		0	0	36,151
ISHARES TR	IBONDS DEC 27	46435U283	501,154	20,472	SH		SOLE		0	0	20,472
ISHARES TR	IBONDS DEC 28	46435U325	497,704	20,389	SH		SOLE		0	0	20,389
ISHARES TR	IBONDS DEC2023	46435G318	1,237,969	48,500	SH		SOLE		0	0	48,500
ISHARES TR	IBONDS DEC2026	46435GAA0	216,619	9,283	PRN		SOLE		0	0	9,283
ISHARES TR	IBONDS DEC23 ETF	46434VAX8	1,324,477	52,227	PRN		SOLE		0	0	52,227
ISHARES TR	IBONDS DEC24 ETF	46434VBG4	1,277,329	51,651	PRN		SOLE		0	0	51,651
ISHARES TR	IBONDS DEC25 ETF	46434VBD1	608,032	24,950	PRN		SOLE		0	0	24,950
ISHARES TR	IBOXX HI YD ETF	464288513	3,012,171	40,860	SH		SOLE		0	0	40,860
ISHARES TR	IBOXX INV CP ETF	464287242	61,097,487	598,878	SH		SOLE		376,852	0	222,026
ISHARES TR	INTL SEL DIV ETF	464288448	636,702	25,067	SH		SOLE		0	0	25,067
ISHARES TR	MSCI EAFE ETF	464287465	48,027,608	696,860	SH		SOLE		0	0	696,860
ISHARES TR	MSCI EMG MKT ETF	464287234	1,760,728	46,396	SH		SOLE		0	0	46,396
ISHARES TR	MSCI INTL VLU FT	46435G409	200,572	7,909	SH		SOLE		0	0	7,909
ISHARES TR	MSCI KLD400 SOC	464288570	678,552	8,335	SH		SOLE		0	0	8,335
ISHARES TR	MSCI USA MIN VOL	46429B697	16,124,551	222,776	SH		SOLE		0	0	222,776
ISHARES TR	MSCI USA MMENTM	46432F396	2,283,761	16,348	SH		SOLE		0	0	16,348
ISHARES TR	MSCI USA QLT FCT	46432F339	466,932	3,543	SH		SOLE		0	0	3,543
ISHARES TR	NATIONAL MUN ETF	464288414	5,109,634	49,831	SH		SOLE		0	0	49,831
ISHARES TR	NORTH AMERN NAT	464287374	689,806	16,586	SH		SOLE		0	0	16,586
ISHARES TR	PFD AND INCM SEC	464288687	539,039	17,879	SH		SOLE		0	0	17,879
ISHARES TR	RESIDENTIAL MULT	464288562	299,717	4,545	SH		SOLE		0	0	4,545
ISHARES TR	RUS 1000 ETF	464287622	411,872	1,753	SH		SOLE		0	0	1,753
ISHARES TR	RUS 1000 GRW ETF	464287614	3,391,219	12,749	SH		SOLE		0	0	12,749
ISHARES TR	RUS 1000 VAL ETF	464287598	3,006,160	19,801	SH		SOLE		0	0	19,801
ISHARES TR	RUS MD CP GR ETF	464287481	693,148	7,588	SH		SOLE		0	0	7,588
ISHARES TR	RUS MDCP VAL ETF	464287473	544,735	5,221	SH		SOLE		0	0	5,221
ISHARES TR	RUS MID CAP ETF	464287499	1,580,581	22,824	SH		SOLE		0	0	22,824
ISHARES TR	RUS TOP 200 ETF	464289446	1,946,878	18,834	SH		SOLE		0	0	18,834
ISHARES TR	RUS TP200 GR ETF	464289438	15,953,592	103,709	SH		SOLE		0	0	103,709
ISHARES TR	RUSSELL 2000 ETF	464287655	1,566,613	8,864	SH		SOLE		0	0	8,864
ISHARES TR	RUSSELL 3000 ETF	464287689	685,433	2,797	SH		SOLE		0	0	2,797
ISHARES TR	S&P 500 GRWT ETF	464287309	59,352,157	867,468	SH		SOLE		0	0	867,468
ISHARES TR	S&P 500 VAL ETF	464287408	56,773,054	369,040	SH		SOLE		0	0	369,040
ISHARES TR	S&P MC 400VL ETF	464287705	1,299,474	12,875	SH		SOLE		0	0	12,875
ISHARES TR	SELECT DIVID ETF	464287168	23,189,910	215,440	SH		SOLE		0	0	215,440
ISHARES TR	SHRT NAT MUN ETF	464288158	3,686,400	35,839	SH		SOLE		0	0	35,839
ISHARES TR	SP SMCP600VL ETF	464287879	339,750	3,808	SH		SOLE		0	0	3,808
ISHARES TR	TIPS BD ETF	464287176	350,960	3,384	SH		SOLE		0	0	3,384
ISHARES TR	TRS FLT RT BD	46434V860	339,552	6,692	SH		SOLE		0	0	6,692
ISHARES TR	U.S. ENERGY ETF	464287796	250,812	5,288	SH		SOLE		0	0	5,288
ISHARES TR	U.S. FINLS ETF	464287788	238,375	3,189	SH		SOLE		0	0	3,189
ISHARES TR	U.S. TECH ETF	464287721	1,181,420	11,260	SH		SOLE		0	0	11,260
ISHARES TR	US AER DEF ETF	464288760	207,807	1,961	SH		SOLE		0	0	1,961
ISHARES TR	US HLTHCARE ETF	464287762	1,316,817	4,876	SH		SOLE		0	0	4,876
ISHARES TR	US INDUSTRIALS	464287754	304,385	3,017	SH		SOLE		0	0	3,017
ISHARES TR	US TREAS BD ETF	46429B267	1,917,404	86,997	SH		SOLE		0	0	86,997
ISHARES TR	USD INV GRDE ETF	464288620	99,662,702	2,073,283	SH		SOLE		0	0	2,073,283
J P MORGAN EXCHANGE TRADED F	EQUITY PREMIUM	46641Q332	279,215	5,213	SH		SOLE		0	0	5,213
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT INC	46641Q837	32,356,847	644,816	SH		SOLE		24,137	0	620,679
J P MORGAN EXCHANGE TRADED F	ULTRA SHT MUNCPL	46641Q654	276,466	5,480	SH		SOLE		0	0	5,480
JANUS DETROIT STR TR	HENDERSON MTG	47103U852	272,856	6,287	SH		SOLE		0	0	6,287
JOHN HANCOCK EXCHANGE TRADED	MULTIFACTOR MI	47804J206	1,823,679	38,539	SH		SOLE		0	0	38,539
JOHNSON & JOHNSON	COM	478160104	3,915,207	25,138	SH		SOLE		0	0	25,138
JPMORGAN CHASE & CO	COM	46625H100	4,067,989	28,051	SH		SOLE		0	0	28,051
KEYCORP	COM	493267108	1,398,800	130,000	SH		SOLE		0	0	130,000
KIMBERLY-CLARK CORP	COM	494368103	457,538	3,786	SH		SOLE		0	0	3,786
KINDER MORGAN INC DEL	COM	49456B101	196,208	11,834	SH		SOLE		0	0	11,834
KLA CORP	COM NEW	482480100	235,036	512	SH		SOLE		0	0	512
KULICKE & SOFFA INDS INC	COM	501242101	267,465	5,500	SH		SOLE		0	0	5,500
KURA SUSHI USA INC	CL A COM	501270102	1,068,036	16,153	SH		SOLE		0	0	16,153
L3HARRIS TECHNOLOGIES INC	COM	502431109	754,984	4,336	SH		SOLE		0	0	4,336
LINDE PLC	SHS	G54950103	1,430,941	3,843	SH		SOLE		0	0	3,843
LITMAN GREGORY FDS TR	IMGP DBI MANAGED	53700T827	21,882,626	757,184	SH		SOLE		0	0	757,184
LOCKHEED MARTIN CORP	COM	539830109	1,393,132	3,407	SH		SOLE		0	0	3,407
LOWES COS INC	COM	548661107	2,150,793	10,348	SH		SOLE		0	0	10,348
LULULEMON ATHLETICA INC	COM	550021109	1,028,036	2,666	SH		SOLE		0	0	2,666
M & T BK CORP	COM	55261F104	320,677	2,536	SH		SOLE		0	0	2,536
MARATHON PETE CORP	COM	56585A102	404,508	2,673	SH		SOLE		0	0	2,673
MARRIOTT INTL INC NEW	CL A	571903202	376,878	1,917	SH		SOLE		0	0	1,917
MASTERCARD INCORPORATED	CL A	57636Q104	494,366	1,249	SH		SOLE		0	0	1,249
MCCORMICK & CO INC	COM NON VTG	579780206	235,997	3,120	SH		SOLE		0	0	3,120
MCDONALDS CORP	COM	580135101	3,808,485	14,457	SH		SOLE		0	0	14,457
MCKESSON CORP	COM	58155Q103	213,077	490	SH		SOLE		0	0	490
MEDTRONIC PLC	SHS	G5960L103	753,431	9,615	SH		SOLE		0	0	9,615
MERCK & CO INC	COM	58933Y105	2,328,329	22,616	SH		SOLE		0	0	22,616
META PLATFORMS INC	CL A	30303M102	1,819,873	6,062	SH		SOLE		0	0	6,062
MICROCHIP TECHNOLOGY INC.	COM	595017104	243,575	3,121	SH		SOLE		0	0	3,121
MICROSOFT CORP	COM	594918104	17,474,928	55,344	SH		SOLE		0	0	55,344
MONDELEZ INTL INC	CL A	609207105	242,408	3,493	SH		SOLE		0	0	3,493
MONGODB INC	CL A	60937P106	757,779	2,191	SH		SOLE		0	0	2,191
MORGAN STANLEY	COM NEW	617446448	237,333	2,906	SH		SOLE		0	0	2,906
NETFLIX INC	COM	64110L106	773,325	2,048	SH		SOLE		0	0	2,048
NEXTERA ENERGY INC	COM	65339F101	2,074,356	36,208	SH		SOLE		0	0	36,208
NIKE INC	CL B	654106103	975,589	10,203	SH		SOLE		0	0	10,203
NORFOLK SOUTHN CORP	COM	655844108	1,095,180	5,561	SH		SOLE		0	0	5,561
NOVARTIS AG	SPONSORED ADR	66987V109	839,836	8,245	SH		SOLE		0	0	8,245
NOVO-NORDISK A S	ADR	670100205	262,089	2,882	SH		SOLE		0	0	2,882
NVIDIA CORPORATION	COM	67066G104	4,216,815	9,694	SH		SOLE		0	0	9,694
OKTA INC	CL A	679295105	536,091	6,577	SH		SOLE		0	0	6,577
OLD DOMINION FREIGHT LINE IN	COM	679580100	527,791	1,290	SH		SOLE		0	0	1,290
OPENDOOR TECHNOLOGIES INC	COM	683712103	463,019	175,386	SH		SOLE		0	0	175,386
ORACLE CORP	COM	68389X105	408,533	3,857	SH		SOLE		0	0	3,857
OREILLY AUTOMOTIVE INC	COM	67103H107	239,030	263	SH		SOLE		0	0	263
PACER FDS TR	TRENDP US LAR CP	69374H105	249,550	6,245	SH		SOLE		0	0	6,245
PACER FDS TR	US CASH COWS 100	69374H881	543,730	11,000	SH		SOLE		0	0	11,000
PAYCHEX INC	COM	704326107	1,100,825	9,545	SH		SOLE		0	0	9,545
PAYPAL HLDGS INC	COM	70450Y103	391,507	6,697	SH		SOLE		0	0	6,697
PEPSICO INC	COM	713448108	2,689,860	15,875	SH		SOLE		0	0	15,875
PFIZER INC	COM	717081103	1,602,968	48,326	SH		SOLE		0	0	48,326
PHILIP MORRIS INTL INC	COM	718172109	440,232	4,755	SH		SOLE		0	0	4,755
PHILLIPS 66	COM	718546104	737,841	6,141	SH		SOLE		0	0	6,141
PIMCO ETF TR	0-5 HIGH YIELD	72201R783	2,193,744	24,294	SH		SOLE		0	0	24,294
PIMCO ETF TR	ACTIVE BD ETF	72201R775	232,408	2,644	SH		SOLE		0	0	2,644
PIMCO ETF TR	ENHAN SHRT MA AC	72201R833	762,913	7,618	SH		SOLE		0	0	7,618
PIMCO ETF TR	INTER MUN BD ACT	72201R866	1,454,333	29,046	SH		SOLE		0	0	29,046
PNC FINL SVCS GROUP INC	COM	693475105	418,523	3,409	SH		SOLE		0	0	3,409
POWELL INDS INC	COM	739128106	389,216	4,695	SH		SOLE		0	0	4,695
PROCTER AND GAMBLE CO	COM	742718109	9,151,336	62,741	SH		SOLE		0	0	62,741
PROSHARES TR	S&P 500 DV ARIST	74348A467	236,915	2,675	SH		SOLE		0	0	2,675
QUALCOMM INC	COM	747525103	233,337	2,101	SH		SOLE		0	0	2,101
QUANTERIX CORP	COM	74766Q101	1,828,503	67,373	SH		SOLE		0	0	67,373
RAPID7 INC	COM	753422104	731,748	15,984	SH		SOLE		0	0	15,984
RTX CORPORATION	COM	75513E101	838,494	11,651	SH		SOLE		0	0	11,651
SALESFORCE INC	COM	79466L302	433,746	2,139	SH		SOLE		0	0	2,139
SCHLUMBERGER LTD	COM STK	806857108	282,638	4,848	SH		SOLE		0	0	4,848
SCHWAB STRATEGIC TR	1 5YR CORP BD	808524714	1,132,984	24,124	SH		SOLE		0	0	24,124
SCHWAB STRATEGIC TR	5 10YR CORP BD	808524698	427,402	10,128	SH		SOLE		0	0	10,128
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	1,718,714	71,793	SH		SOLE		0	0	71,793
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	4,526,375	133,286	SH		SOLE		0	0	133,286
SCHWAB STRATEGIC TR	INTL SCEQT ETF	808524888	5,998,027	185,985	SH		SOLE		0	0	185,985
SCHWAB STRATEGIC TR	INT-TRM U.S TRES	808524854	3,070,861	64,056	SH		SOLE		0	0	64,056
SCHWAB STRATEGIC TR	SCHWAB FDT US SC	808524763	629,868	12,990	SH		SOLE		0	0	12,990
SCHWAB STRATEGIC TR	SCHWB FDT INT LG	808524755	2,927,056	92,424	SH		SOLE		0	0	92,424
SCHWAB STRATEGIC TR	SHT TM US TRES	808524862	886,109	18,503	SH		SOLE		0	0	18,503
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	1,340,717	30,312	SH		SOLE		0	0	30,312
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	4,591,807	92,112	SH		SOLE		0	0	92,112
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	53,413,880	754,860	SH		SOLE		0	0	754,860
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	227,412	3,127	SH		SOLE		0	0	3,127
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	3,086,651	61,001	SH		SOLE		0	0	61,001
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	4,283,918	63,297	SH		SOLE		0	0	63,297
SCHWAB STRATEGIC TR	US REIT ETF	808524847	1,077,957	60,730	SH		SOLE		0	0	60,730
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	5,081,043	122,671	SH		SOLE		0	0	122,671
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	6,151,862	121,843	SH		SOLE		0	0	121,843
SELECT SECTOR SPDR TR	ENERGY	81369Y506	5,783,514	63,984	SH		SOLE		0	0	63,984
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	1,140,816	34,393	SH		SOLE		0	0	34,393
SELECT SECTOR SPDR TR	SBI CONS DISCR	81369Y407	1,499,039	9,312	SH		SOLE		0	0	9,312
SELECT SECTOR SPDR TR	SBI CONS STPLS	81369Y308	606,767	8,818	SH		SOLE		0	0	8,818
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	7,034,368	54,640	SH		SOLE		0	0	54,640
SELECT SECTOR SPDR TR	SBI INT-UTILS	81369Y886	783,396	13,294	SH		SOLE		0	0	13,294
SELECT SECTOR SPDR TR	SBI MATERIALS	81369Y100	201,836	2,570	SH		SOLE		0	0	2,570
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	3,348,164	20,424	SH		SOLE		0	0	20,424
SHOPIFY INC	CL A	82509L107	388,484	7,119	SH		SOLE		0	0	7,119
SMUCKER J M CO	COM NEW	832696405	387,185	3,150	SH		SOLE		0	0	3,150
SOUTHERN CO	COM	842587107	808,871	12,498	SH		SOLE		0	0	12,498
SPDR DOW JONES INDL AVERAGE	UT SER 1	78467X109	254,227	759	SH		SOLE		0	0	759
SPDR GOLD TR	GOLD SHS	78463V107	1,042,416	6,080	SH		SOLE		0	0	6,080
SPDR INDEX SHS FDS	DJ GLB RL ES ETF	78463X749	2,812,726	73,632	SH		SOLE		0	0	73,632
SPDR INDEX SHS FDS	DJ INTL RL ETF	78463X863	524,301	22,048	SH		SOLE		0	0	22,048
SPDR INDEX SHS FDS	GLB NAT RESRCE	78463X541	4,684,820	84,078	SH		SOLE		0	0	84,078
SPDR INDEX SHS FDS	MSCI ACWI EXUS	78463X848	3,588,964	144,193	SH		SOLE		0	0	144,193
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	12,827,675	413,663	SH		SOLE		0	0	413,663
SPDR INDEX SHS FDS	PORTFOLIO EMG MK	78463X509	18,431,889	549,058	SH		SOLE		0	0	549,058
SPDR INDEX SHS FDS	S&P INTL SMLCP	78463X871	1,106,708	37,979	SH		SOLE		0	0	37,979
SPDR S&P 500 ETF TR	TR UNIT	78462F103	4,006,863	9,373	SH		SOLE		0	0	9,373
SPDR S&P 500 ETF TR	TR UNIT	78462F103	2,051,904	4,800	SH	Put	SOLE		0	0	4,800
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	754,349	1,652	SH		SOLE		0	0	1,652
SPDR SER TR	BLOOMBERG 1 10 Y	78468R861	1,372,789	75,929	SH		SOLE		0	0	75,929
SPDR SER TR	BLOOMBERG 1-3 MO	78468R663	2,747,301	29,921	SH		SOLE		26,867	0	3,054
SPDR SER TR	BLOOMBERG 3-12 M	78468R523	558,896	5,621	SH		SOLE		0	0	5,621
SPDR SER TR	BLOOMBERG EMERGI	78464A391	2,691,506	135,729	SH		SOLE		0	0	135,729
SPDR SER TR	BLOOMBERG INVT	78468R200	61,403,449	1,998,810	SH		SOLE		360,984	0	1,637,826
SPDR SER TR	DJ REIT ETF	78464A607	871,451	10,507	SH		SOLE		0	0	10,507
SPDR SER TR	PORT MTG BK ETF	78464A383	527,925	25,381	SH		SOLE		0	0	25,381
SPDR SER TR	PORTFOLI S&P1500	78464A805	118,723,731	2,261,835	SH		SOLE		0	0	2,261,835
SPDR SER TR	PORTFOLIO CRPORT	78464A144	1,454,450	52,736	SH		SOLE		0	0	52,736
SPDR SER TR	PORTFOLIO LN COR	78464A367	249,740	11,758	SH		SOLE		0	0	11,758
SPDR SER TR	PORTFOLIO S&P400	78464A847	243,180,073	5,553,324	SH		SOLE		1,867,537	0	3,685,787
SPDR SER TR	PORTFOLIO S&P500	78464A854	4,767,203	94,851	SH		SOLE		0	0	94,851
SPDR SER TR	PORTFOLIO S&P600	78468R853	192,870,412	5,226,840	SH		SOLE		1,780,731	0	3,446,109
SPDR SER TR	PORTFOLIO SHORT	78464A474	156,058,611	5,322,599	SH		SOLE		1,255,747	0	4,066,852
SPDR SER TR	PRTFLO S&P500 GW	78464A409	288,340,720	4,864,047	SH		SOLE		496,103	0	4,367,944
SPDR SER TR	PRTFLO S&P500 VL	78464A508	304,472,778	7,379,369	SH		SOLE		1,066,604	0	6,312,765
SPDR SER TR	S&P 600 SMCP VAL	78464A300	1,225,327	16,931	SH		SOLE		0	0	16,931
SPDR SER TR	S&P DIVID ETF	78464A763	1,833,704	15,944	SH		SOLE		0	0	15,944
SPDR SER TR	SPDR MSCI USA GE	78468R747	276,675	3,255	SH		SOLE		0	0	3,255
SPDR SER TR	SSGA US LRG ETF	78468R804	745,410	5,583	SH		SOLE		0	0	5,583
SSGA ACTIVE TR	SPDR DBLELN EMRG	78470P309	401,883	10,018	SH		SOLE		0	0	10,018
STARBUCKS CORP	COM	855244109	979,682	10,734	SH		SOLE		0	0	10,734
STRYKER CORPORATION	COM	863667101	527,867	1,932	SH		SOLE		0	0	1,932
SUMMIT MATLS INC	CL A	86614U100	572,447	18,383	SH		SOLE		0	0	18,383
SUPER MICRO COMPUTER INC	COM	86800U104	1,961,496	7,153	SH		SOLE		0	0	7,153
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	479,865	5,522	SH		SOLE		0	0	5,522
TARGET CORP	COM	87612E106	706,216	6,387	SH		SOLE		0	0	6,387
TESLA INC	COM	88160R101	2,631,564	10,517	SH		SOLE		0	0	10,517
TEXAS INSTRS INC	COM	882508104	317,066	1,994	SH		SOLE		0	0	1,994
THERMO FISHER SCIENTIFIC INC	COM	883556102	294,591	582	SH		SOLE		0	0	582
TORONTO DOMINION BK ONT	COM NEW	891160509	1,139,035	18,902	SH		SOLE		0	0	18,902
TRUIST FINL CORP	COM	89832Q109	362,992	12,688	SH		SOLE		0	0	12,688
TWILIO INC	CL A	90138F102	947,835	16,194	SH		SOLE		0	0	16,194
UBER TECHNOLOGIES INC	COM	90353T100	1,501,528	32,649	SH		SOLE		0	0	32,649
UNION PAC CORP	COM	907818108	2,209,903	10,853	SH		SOLE		0	0	10,853
UNITED PARCEL SERVICE INC	CL B	911312106	780,828	5,009	SH		SOLE		0	0	5,009
UNITED RENTALS INC	COM	911363109	340,096	765	SH		SOLE		0	0	765
UNITEDHEALTH GROUP INC	COM	91324P102	2,950,322	5,852	SH		SOLE		0	0	5,852
US BANCORP DEL	COM NEW	902973304	359,887	10,886	SH		SOLE		0	0	10,886
VALERO ENERGY CORP	COM	91913Y100	230,846	1,629	SH		SOLE		0	0	1,629
VANECK ETF TRUST	HIGH YLD MUNIETF	92189H409	1,970,161	40,150	SH		SOLE		0	0	40,150
VANECK ETF TRUST	JP MRGAN EM LOC	92189H300	77,172,099	3,233,016	SH		SOLE		780,492	0	2,452,524
VANECK ETF TRUST	MRNGSTR WDE MOAT	92189F643	205,375	2,708	SH		SOLE		0	0	2,708
VANGUARD ADMIRAL FDS INC	500 GRTH IDX F	921932505	3,600,408	14,586	SH		SOLE		0	0	14,586
VANGUARD ADMIRAL FDS INC	500 VAL IDX FD	921932703	2,784,518	18,727	SH		SOLE		0	0	18,727
VANGUARD ADMIRAL FDS INC	MIDCP 400 IDX	921932885	636,764	7,533	SH		SOLE		0	0	7,533
VANGUARD ADMIRAL FDS INC	MIDCP 400 VAL	921932844	367,288	4,714	SH		SOLE		0	0	4,714
VANGUARD ADMIRAL FDS INC	SMLCP 600 VAL	921932778	298,415	3,873	SH		SOLE		0	0	3,873
VANGUARD ADMIRAL FDS INC	SMLLCP 600 IDX	921932828	642,565	7,352	SH		SOLE		0	0	7,352
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	1,512,390	20,915	SH		SOLE		0	0	20,915
VANGUARD BD INDEX FDS	LONG TERM BOND	921937793	770,385	11,488	SH		SOLE		0	0	11,488
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	71,305,426	948,589	SH		SOLE		0	0	948,589
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	1,834,954	26,296	SH		SOLE		0	0	26,296
VANGUARD BD INDEX FDS	VANGUARD ULTRA	92203C303	2,867,728	58,299	SH		SOLE		0	0	58,299
VANGUARD CHARLOTTE FDS	TOTAL INT BD ETF	92203J407	27,671,888	578,547	SH		SOLE		125,794	0	452,753
VANGUARD INDEX FDS	EXTEND MKT ETF	922908652	16,321,194	113,871	SH		SOLE		0	0	113,871
VANGUARD INDEX FDS	GROWTH ETF	922908736	1,832,093	6,728	SH		SOLE		0	0	6,728
VANGUARD INDEX FDS	MCAP GR IDXVIP	922908538	230,608	1,184	SH		SOLE		0	0	1,184
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	219,511	1,676	SH		SOLE		0	0	1,676
VANGUARD INDEX FDS	MID CAP ETF	922908629	6,477,720	31,107	SH		SOLE		0	0	31,107
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	12,524,898	165,542	SH		SOLE		0	0	165,542
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	223,256,747	568,517	SH		SOLE		402,888	0	165,629
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	406,221	2,547	SH		SOLE		0	0	2,547
VANGUARD INDEX FDS	SMALL CP ETF	922908751	4,831,377	25,553	SH		SOLE		0	0	25,553
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	24,342,618	114,602	SH		SOLE		0	0	114,602
VANGUARD INDEX FDS	VALUE ETF	922908744	7,079,302	51,325	SH		SOLE		0	0	51,325
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	26,685,861	514,476	SH		SOLE		0	0	514,476
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	152,143,375	3,880,219	SH		SOLE		1,010,977	0	2,869,242
VANGUARD INTL EQUITY INDEX F	FTSE SMCAP ETF	922042718	5,758,270	54,221	SH		SOLE		0	0	54,221
VANGUARD INTL EQUITY INDEX F	GLB EX US ETF	922042676	6,657,614	171,015	SH		SOLE		0	0	171,015
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	1,444,961	15,507	SH		SOLE		0	0	15,507
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	241,968,747	5,117,782	SH		SOLE		1,178,071	0	3,939,711
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	6,109,758	127,022	SH		SOLE		0	0	127,022
VANGUARD SCOTTSDALE FDS	INTER TERM TREAS	92206C706	53,972,234	944,396	SH		SOLE		180,647	0	763,749
VANGUARD SCOTTSDALE FDS	LONG TERM TREAS	92206C847	358,983	6,467	SH		SOLE		0	0	6,467
VANGUARD SCOTTSDALE FDS	MTG-BKD SECS ETF	92206C771	48,999,268	1,119,216	SH		SOLE		298,848	0	820,368
VANGUARD SCOTTSDALE FDS	SHORT TERM TREAS	92206C102	117,306,014	2,036,563	SH		SOLE		517,844	0	1,518,719
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	7,283,009	96,913	SH		SOLE		0	0	96,913
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	20,631,277	132,779	SH		SOLE		0	0	132,779
VANGUARD STAR FDS	VG TL INTL STK F	921909768	4,312,802	80,583	SH		SOLE		0	0	80,583
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	439,552,977	10,053,819	SH		SOLE		2,870,898	0	7,182,921
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	12,290,825	118,959	SH		SOLE		0	0	118,959
VANGUARD WHITEHALL FDS	INTL HIGH ETF	921946794	1,060,547	17,136	SH		SOLE		0	0	17,136
VANGUARD WORLD FD	ESG US STK ETF	921910733	1,153,198	15,331	SH		SOLE		0	0	15,331
VANGUARD WORLD FD	MEGA CAP INDEX	921910873	1,935,279	12,743	SH		SOLE		0	0	12,743
VANGUARD WORLD FD	MEGA GRWTH IND	921910816	1,736,856	7,655	SH		SOLE		0	0	7,655
VANGUARD WORLD FDS	ENERGY ETF	92204A306	2,311,784	18,240	SH		SOLE		0	0	18,240
VANGUARD WORLD FDS	FINANCIALS ETF	92204A405	611,301	7,611	SH		SOLE		0	0	7,611
VANGUARD WORLD FDS	HEALTH CAR ETF	92204A504	1,788,489	7,607	SH		SOLE		0	0	7,607
VANGUARD WORLD FDS	INF TECH ETF	92204A702	1,623,036	3,912	SH		SOLE		0	0	3,912
VANGUARD WORLD FDS	MATERIALS ETF	92204A801	822,244	4,766	SH		SOLE		0	0	4,766
VANGUARD WORLD FDS	UTILITIES ETF	92204A876	627,697	4,922	SH		SOLE		0	0	4,922
VERIZON COMMUNICATIONS INC	COM	92343V104	1,047,858	32,331	SH		SOLE		0	0	32,331
VICOR CORP	COM	925815102	501,272	8,512	SH		SOLE		0	0	8,512
VICTORY PORTFOLIOS II	SHORT TRM BD ETF	92647N535	1,518,446	31,039	SH		SOLE		0	0	31,039
VISA INC	COM CL A	92826C839	699,988	3,043	SH		SOLE		0	0	3,043
WALMART INC	COM	931142103	2,521,237	15,765	SH		SOLE		0	0	15,765
WASTE MGMT INC DEL	COM	94106L109	800,686	5,252	SH		SOLE		0	0	5,252
WEC ENERGY GROUP INC	COM	92939U106	848,993	10,540	SH		SOLE		0	0	10,540
WELLS FARGO CO NEW	COM	949746101	603,175	14,762	SH		SOLE		0	0	14,762
WISDOMTREE TR	EM EX ST-OWNED	97717X578	62,567,799	2,345,999	SH		SOLE		831,634	0	1,514,365
WISDOMTREE TR	EM LCL DEBT FD	97717X867	214,912	8,184	SH		SOLE		0	0	8,184
WISDOMTREE TR	EMER MKT HIGH FD	97717W315	2,859,751	76,301	SH		SOLE		0	0	76,301
WISDOMTREE TR	INTL EQUITY FD	97717W703	5,914,001	122,316	SH		SOLE		0	0	122,316
WISDOMTREE TR	TARGET RANGE FD	97717Y675	58,690,238	2,734,867	SH		SOLE		0	0	2,734,867
WISDOMTREE TR	US QTLY DIV GRT	97717X669	343,989	5,418	SH		SOLE		0	0	5,418
WISDOMTREE TR	US SMALLCAP DIVD	97717W604	4,611,827	163,540	SH		SOLE		0	0	163,540
WORLD GOLD TR	SPDR GLD MINIS	98149E303	417,704	11,394	SH		SOLE		0	0	11,394
ZOETIS INC	CL A	98978V103	206,862	1,189	SH		SOLE		0	0	1,189