Strategic Financial 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
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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	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
ABBOTT LABS	COM	002824100	6,737,213	61,365	SH		SOLE		0	0	61,365
ABBVIE INC	COM	00287Y109	10,869,966	67,260	SH		SOLE		0	0	67,260
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	251,630	943	SH		SOLE		0	0	943
ADOBE SYSTEMS INCORPORATED	COM	00724F101	607,100	1,804	SH		SOLE		0	0	1,804
ALKALINE WTR CO INC	COM NEW	01643A207	1,747	10,000	SH		SOLE		0	0	10,000
ALLSTATE CORP	COM	020002101	18,557,809	136,857	SH		SOLE		0	0	136,857
ALPHABET INC	CAP STK CL A	02079K305	607,905	6,890	SH		SOLE		0	0	6,890
ALPHABET INC	CAP STK CL C	02079K107	1,051,184	11,847	SH		SOLE		0	0	11,847
ALTRIA GROUP INC	COM	02209S103	598,294	13,089	SH		SOLE		0	0	13,089
AMAZON COM INC	COM	023135106	1,827,168	21,752	SH		SOLE		0	0	21,752
AMERICAN ELEC PWR CO INC	COM	025537101	203,098	2,139	SH		SOLE		0	0	2,139
AMERICAN EXPRESS CO	COM	025816109	311,852	2,111	SH		SOLE		0	0	2,111
AMERICAN TOWER CORP NEW	COM	03027X100	233,893	1,104	SH		SOLE		0	0	1,104
AMGEN INC	COM	031162100	284,439	1,083	SH		SOLE		0	0	1,083
ANALOG DEVICES INC	COM	032654105	227,018	1,384	SH		SOLE		0	0	1,384
AON PLC	SHS CL A	G0403H108	228,407	761	SH		SOLE		0	0	761
APPLE INC	COM	037833100	9,535,617	73,390	SH		SOLE		0	0	73,390
ARES CAPITAL CORP	COM	04010L103	1,400,928	75,849	SH		SOLE		0	0	75,849
AT&T INC	COM	00206R102	574,733	31,219	SH		SOLE		0	0	31,219
BANK AMERICA CORP	COM	060505104	218,360	6,593	SH		SOLE		0	0	6,593
BARINGS BDC INC	COM	06759L103	579,058	71,050	SH		SOLE		0	0	71,050
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	1,932,170	6,255	SH		SOLE		0	0	6,255
BLACKROCK ENERGY & RES TR	COM	09250U101	140,336	11,200	SH		SOLE		0	0	11,200
BLACKSTONE INC	COM	09260D107	359,763	4,849	SH		SOLE		0	0	4,849
BOEING CO	COM	097023105	226,381	1,188	SH		SOLE		0	0	1,188
BP PLC	SPONSORED ADR	055622104	285,308	8,168	SH		SOLE		0	0	8,168
BRISTOL-MYERS SQUIBB CO	COM	110122108	291,398	4,050	SH		SOLE		0	0	4,050
BROWN FORMAN CORP	CL A	115637100	336,560	5,118	SH		SOLE		0	0	5,118
BROWN FORMAN CORP	CL B	115637209	439,531	6,692	SH		SOLE		0	0	6,692
CANADIAN PAC RY LTD	COM	13645T100	348,596	4,673	SH		SOLE		0	0	4,673
CATERPILLAR INC	COM	149123101	699,475	2,920	SH		SOLE		0	0	2,920
CHENIERE ENERGY PARTNERS LP	COM UNIT	16411Q101	336,500	5,917	SH		SOLE		0	0	5,917
CHEVRON CORP NEW	COM	166764100	1,558,485	8,683	SH		SOLE		0	0	8,683
CHUBB LIMITED	COM	H1467J104	239,497	1,086	SH		SOLE		0	0	1,086
CIGNA CORP NEW	COM	125523100	677,265	2,044	SH		SOLE		0	0	2,044
CISCO SYS INC	COM	17275R102	971,357	20,390	SH		SOLE		0	0	20,390
CME GROUP INC	COM	12572Q105	1,343,767	7,991	SH		SOLE		0	0	7,991
COCA COLA CO	COM	191216100	971,892	15,279	SH		SOLE		0	0	15,279
COSTCO WHSL CORP NEW	COM	22160K105	543,692	1,191	SH		SOLE		0	0	1,191
CSX CORP	COM	126408103	206,564	6,668	SH		SOLE		0	0	6,668
CUMMINS INC	COM	231021106	394,933	1,630	SH		SOLE		0	0	1,630
CVS HEALTH CORP	COM	126650100	207,625	2,228	SH		SOLE		0	0	2,228
DANAHER CORPORATION	COM	235851102	1,692,849	6,378	SH		SOLE		0	0	6,378
DISNEY WALT CO	COM	254687106	635,040	7,309	SH		SOLE		0	0	7,309
DOLLAR GEN CORP NEW	COM	256677105	495,209	2,011	SH		SOLE		0	0	2,011
DUCK CREEK TECHNOLOGIES INC	SHS	264120106	735,580	61,044	SH		SOLE		0	0	61,044
DUFF & PHELPS UTLITY AND INF	COM	26433C105	240,478	17,800	SH		SOLE		0	0	17,800
DUKE ENERGY CORP NEW	COM NEW	26441C204	345,634	3,356	SH		SOLE		0	0	3,356
ECOLAB INC	COM	278865100	91,449,208	628,258	SH		SOLE		0	0	628,258
ELEVANCE HEALTH INC	COM	036752103	272,900	532	SH		SOLE		0	0	532
ENERGY TRANSFER L P	COM UT LTD PTN	29273V100	133,110	11,214	SH		SOLE		0	0	11,214
ENTERPRISE PRODS PARTNERS L	COM	293792107	711,160	29,484	SH		SOLE		0	0	29,484
EXELON CORP	COM	30161N101	248,006	5,737	SH		SOLE		0	0	5,737
EXXON MOBIL CORP	COM	30231G102	1,827,099	16,565	SH		SOLE		0	0	16,565
FEDEX CORP	COM	31428X106	269,427	1,556	SH		SOLE		0	0	1,556
FIRST TR EXCH TRADED FD III	PFD SECS INC ETF	33739E108	10,329,627	614,859	SH		SOLE		0	0	614,859
FIRST TR EXCH TRD ALPHDX FD	GERMANY ALPHA	33737J190	284,785	8,063	SH		SOLE		0	0	8,063
FIRST TR EXCHANGE TRADED FD	CLOUD COMPUTING	33734X192	207,684	3,605	SH		SOLE		0	0	3,605
FIRST TR EXCHANGE TRADED FD	CONSUMR STAPLE	33734X119	764,174	12,174	SH		SOLE		0	0	12,174
FIRST TR EXCHANGE TRADED FD	DJ GLBL DIVID	33734X200	371,800	16,915	SH		SOLE		0	0	16,915
FIRST TR EXCHANGE TRADED FD	HLTH CARE ALPH	33734X143	3,254,544	29,932	SH		SOLE		0	0	29,932
FIRST TR EXCHANGE TRADED FD	NASDAQ CYB ETF	33734X846	800,592	20,682	SH		SOLE		0	0	20,682
FIRST TR EXCHANGE TRADED FD	UTILITIES ALPH	33734X184	619,865	18,665	SH		SOLE		0	0	18,665
FIRST TR EXCHANGE-TRADED FD	NO AMER ENERGY	33738D101	451,408	16,913	SH		SOLE		0	0	16,913
FIRST TR EXCHANGE-TRADED FD	SENIOR LN FD	33738D309	1,834,935	41,151	SH		SOLE		0	0	41,151
FIRST TR MORNINGSTAR DIVID L	SHS	336917109	320,606	8,769	SH		SOLE		0	0	8,769
FIRST TR VALUE LINE DIVID IN	SHS	33734H106	557,521	13,969	SH		SOLE		0	0	13,969
FS KKR CAP CORP	COM	302635206	2,833,128	161,893	SH		SOLE		0	0	161,893
GOLDMAN SACHS GROUP INC	COM	38141G104	353,490	1,029	SH		SOLE		0	0	1,029
GREENBRIER COS INC	COM	393657101	276,086	8,234	SH		SOLE		0	0	8,234
HOME DEPOT INC	COM	437076102	2,407,623	7,622	SH		SOLE		0	0	7,622
HONEYWELL INTL INC	COM	438516106	623,613	2,910	SH		SOLE		0	0	2,910
ILLINOIS TOOL WKS INC	COM	452308109	1,687,071	7,658	SH		SOLE		0	0	7,658
INGREDION INC	COM	457187102	4,337,516	44,292	SH		SOLE		0	0	44,292
INTEL CORP	COM	458140100	224,523	8,495	SH		SOLE		0	0	8,495
INTERNATIONAL BUSINESS MACHS	COM	459200101	552,625	3,922	SH		SOLE		0	0	3,922
INVESCO EXCH TRADED FD TR II	EMRNG MKT SVRG	46138E784	6,034,063	323,196	SH		SOLE		0	0	323,196
INVESCO EXCH TRADED FD TR II	NATL AMT MUNI	46138E537	1,399,111	60,990	SH		SOLE		0	0	60,990
INVESCO EXCH TRADED FD TR II	PFD ETF	46138E511	660,962	59,120	SH		SOLE		0	0	59,120
INVESCO EXCH TRADED FD TR II	S&P MIDCP LOW	46138E198	466,330	8,718	SH		SOLE		0	0	8,718
INVESCO EXCH TRADED FD TR II	S&P500 HDL VOL	46138E362	896,555	20,455	SH		SOLE		0	0	20,455
INVESCO EXCH TRADED FD TR II	S&P500 LOW VOL	46138E354	247,293	3,870	SH		SOLE		0	0	3,870
INVESCO EXCH TRADED FD TR II	SR LN ETF	46138G508	4,760,925	231,901	SH		SOLE		0	0	231,901
INVESCO EXCHANGE TRADED FD T	BUYBACK ACHIEV	46137V308	1,152,276	13,467	SH		SOLE		0	0	13,467
INVESCO EXCHANGE TRADED FD T	DIVID ACHIEVEV	46137V506	1,788,431	48,971	SH		SOLE		0	0	48,971
INVESCO EXCHANGE TRADED FD T	HIG YLD EQ DIV	46137V563	370,234	17,894	SH		SOLE		0	0	17,894
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	505,675	3,580	SH		SOLE		0	0	3,580
INVESCO EXCHANGE TRADED FD T	WATER RES ETF	46137V142	428,426	8,313	SH		SOLE		0	0	8,313
INVESCO QQQ TR	UNIT SER 1	46090E103	7,031,819	26,408	SH		SOLE		0	0	26,408
ISHARES GOLD TR	ISHARES NEW	464285204	4,896,337	141,554	SH		SOLE		0	0	141,554
ISHARES INC	CORE MSCI EMKT	46434G103	625,858	13,402	SH		SOLE		0	0	13,402
ISHARES INC	JP MORGAN EM ETF	464286517	215,931	6,221	SH		SOLE		0	0	6,221
ISHARES INC	JP MRG EM CRP BD	464286251	674,675	15,778	SH		SOLE		0	0	15,778
ISHARES INC	MSCI GBL MIN VOL	464286525	1,097,268	11,548	SH		SOLE		0	0	11,548
ISHARES INC	MSCI JPN ETF NEW	46434G822	904,328	16,611	SH		SOLE		0	0	16,611
ISHARES TR	0-5 YR TIPS ETF	46429B747	1,859,898	19,182	SH		SOLE		0	0	19,182
ISHARES TR	0-5YR HI YL CP	46434V407	952,982	23,306	SH		SOLE		0	0	23,306
ISHARES TR	0-5YR INVT GR CP	46434V100	4,573,152	95,553	SH		SOLE		0	0	95,553
ISHARES TR	1 3 YR TREAS BD	464287457	1,521,501	18,745	SH		SOLE		0	0	18,745
ISHARES TR	AGGRES ALLOC ETF	464289859	2,561,699	42,874	SH		SOLE		0	0	42,874
ISHARES TR	CORE 1 5 YR USD	46432F859	569,244	12,258	SH		SOLE		0	0	12,258
ISHARES TR	CORE DIV GRWTH	46434V621	639,084	12,782	SH		SOLE		0	0	12,782
ISHARES TR	CORE HIGH DV ETF	46429B663	772,933	7,415	SH		SOLE		0	0	7,415
ISHARES TR	CORE MSCI EAFE	46432F842	1,300,593	21,100	SH		SOLE		0	0	21,100
ISHARES TR	CORE S&P MCP ETF	464287507	19,462,472	80,460	SH		SOLE		0	0	80,460
ISHARES TR	CORE S&P SCP ETF	464287804	958,298	10,126	SH		SOLE		0	0	10,126
ISHARES TR	CORE S&P TTL STK	464287150	2,834,962	33,431	SH		SOLE		0	0	33,431
ISHARES TR	CORE S&P500 ETF	464287200	12,125,503	31,560	SH		SOLE		0	0	31,560
ISHARES TR	CORE US AGGBD ET	464287226	467,589	4,821	SH		SOLE		0	0	4,821
ISHARES TR	CRE U S REIT ETF	464288521	4,146,620	83,855	SH		SOLE		0	0	83,855
ISHARES TR	EAFE GRWTH ETF	464288885	2,287,613	27,312	SH		SOLE		0	0	27,312
ISHARES TR	EAFE VALUE ETF	464288877	9,823,580	214,115	SH		SOLE		0	0	214,115
ISHARES TR	GRWT ALLOCAT ETF	464289867	2,302,069	48,814	SH		SOLE		0	0	48,814
ISHARES TR	INDIA 50 ETF	464289529	646,074	15,270	SH		SOLE		0	0	15,270
ISHARES TR	INTL SEL DIV ETF	464288448	2,565,850	94,472	SH		SOLE		0	0	94,472
ISHARES TR	ISHARES BIOTECH	464287556	606,067	4,616	SH		SOLE		0	0	4,616
ISHARES TR	ISHS 1-5YR INVS	464288646	12,383,467	248,564	SH		SOLE		0	0	248,564
ISHARES TR	ISHS 5-10YR INVT	464288638	499,266	10,084	SH		SOLE		0	0	10,084
ISHARES TR	MODERT ALLOC ETF	464289875	1,180,089	31,047	SH		SOLE		0	0	31,047
ISHARES TR	MSCI ACWI ETF	464288257	2,052,052	24,176	SH		SOLE		0	0	24,176
ISHARES TR	MSCI EAFE ETF	464287465	380,253	5,793	SH		SOLE		0	0	5,793
ISHARES TR	MSCI EMG MKT ETF	464287234	352,716	9,306	SH		SOLE		0	0	9,306
ISHARES TR	MSCI USA MIN VOL	46429B697	950,270	13,180	SH		SOLE		0	0	13,180
ISHARES TR	NATIONAL MUN ETF	464288414	3,772,794	35,754	SH		SOLE		0	0	35,754
ISHARES TR	PFD AND INCM SEC	464288687	3,277,671	107,359	SH		SOLE		0	0	107,359
ISHARES TR	RUS 1000 ETF	464287622	9,322,878	44,285	SH		SOLE		0	0	44,285
ISHARES TR	RUS 2000 GRW ETF	464287648	1,902,675	8,869	SH		SOLE		0	0	8,869
ISHARES TR	RUS 2000 VAL ETF	464287630	2,757,129	19,883	SH		SOLE		0	0	19,883
ISHARES TR	RUS MID CAP ETF	464287499	370,705	5,496	SH		SOLE		0	0	5,496
ISHARES TR	RUSSELL 2000 ETF	464287655	9,272,212	53,179	SH		SOLE		0	0	53,179
ISHARES TR	RUSSELL 3000 ETF	464287689	22,698,483	102,857	SH		SOLE		0	0	102,857
ISHARES TR	S&P 100 ETF	464287101	1,427,671	8,370	SH		SOLE		0	0	8,370
ISHARES TR	S&P 500 GRWT ETF	464287309	749,310	12,809	SH		SOLE		0	0	12,809
ISHARES TR	S&P MC 400GR ETF	464287606	1,185,616	17,359	SH		SOLE		0	0	17,359
ISHARES TR	S&P SML 600 GWT	464287887	350,945	3,247	SH		SOLE		0	0	3,247
ISHARES TR	SELECT DIVID ETF	464287168	1,167,414	9,680	SH		SOLE		0	0	9,680
ISHARES TR	SHRT NAT MUN ETF	464288158	2,061,209	19,768	SH		SOLE		0	0	19,768
ISHARES TR	SP SMCP600VL ETF	464287879	1,151,357	12,609	SH		SOLE		0	0	12,609
ISHARES TR	U.S. MED DVC ETF	464288810	810,481	15,417	SH		SOLE		0	0	15,417
ISHARES TR	U.S. PHARMA ETF	464288836	239,177	1,285	SH		SOLE		0	0	1,285
ISHARES TR	US AER DEF ETF	464288760	2,059,727	18,413	SH		SOLE		0	0	18,413
ISHARES TR	US TRSPRTION	464287192	588,405	2,755	SH		SOLE		0	0	2,755
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT INC	46641Q837	12,616,391	251,673	SH		SOLE		0	0	251,673
JANUS DETROIT STR TR	HENDRSN SHRT ETF	47103U886	271,128	5,720	SH		SOLE		0	0	5,720
JOHNSON & JOHNSON	COM	478160104	1,896,447	10,736	SH		SOLE		0	0	10,736
JPMORGAN CHASE & CO	COM	46625H100	3,748,931	27,956	SH		SOLE		0	0	27,956
KEURIG DR PEPPER INC	COM	49271V100	498,669	13,984	SH		SOLE		0	0	13,984
KRAFT HEINZ CO	COM	500754106	219,068	5,381	SH		SOLE		0	0	5,381
LILLY ELI & CO	COM	532457108	1,836,151	5,019	SH		SOLE		0	0	5,019
LOCKHEED MARTIN CORP	COM	539830109	558,077	1,147	SH		SOLE		0	0	1,147
MCDONALDS CORP	COM	580135101	2,177,844	8,264	SH		SOLE		0	0	8,264
MERCK & CO INC	COM	58933Y105	1,134,664	10,227	SH		SOLE		0	0	10,227
META PLATFORMS INC	CL A	30303M102	705,553	5,863	SH		SOLE		0	0	5,863
MICROSOFT CORP	COM	594918104	4,171,172	17,393	SH		SOLE		0	0	17,393
MONDELEZ INTL INC	CL A	609207105	840,090	12,605	SH		SOLE		0	0	12,605
NETFLIX INC	COM	64110L106	271,413	920	SH		SOLE		0	0	920
NEXTERA ENERGY INC	COM	65339F101	655,134	7,837	SH		SOLE		0	0	7,837
NIKE INC	CL B	654106103	239,168	2,044	SH		SOLE		0	0	2,044
NISOURCE INC	COM	65473P105	245,436	8,951	SH		SOLE		0	0	8,951
NUVEEN AMT FREE QLTY MUN INC	COM	670657105	1,110,735	97,690	SH		SOLE		0	0	97,690
NUVEEN QUALITY MUNCP INCOME	COM	67066V101	149,270	12,650	SH		SOLE		0	0	12,650
NVENT ELECTRIC PLC	SHS	G6700G107	3,876,814	100,775	SH		SOLE		0	0	100,775
NVIDIA CORPORATION	COM	67066G104	352,344	2,411	SH		SOLE		0	0	2,411
ORACLE CORP	COM	68389X105	460,114	5,629	SH		SOLE		0	0	5,629
OREILLY AUTOMOTIVE INC	COM	67103H107	434,675	515	SH		SOLE		0	0	515
PENTAIR PLC	SHS	G7S00T104	4,529,036	100,690	SH		SOLE		0	0	100,690
PEPSICO INC	COM	713448108	1,626,301	9,002	SH		SOLE		0	0	9,002
PFIZER INC	COM	717081103	888,448	17,339	SH		SOLE		0	0	17,339
PHILIP MORRIS INTL INC	COM	718172109	1,494,635	14,768	SH		SOLE		0	0	14,768
PHILLIPS EDISON & CO INC	COMMON STOCK	71844V201	595,663	18,708	SH		SOLE		0	0	18,708
PIMCO ETF TR	ACTIVE BD ETF	72201R775	255,606	2,825	SH		SOLE		0	0	2,825
PIMCO ETF TR	INTER MUN BD ACT	72201R866	297,233	5,785	SH		SOLE		0	0	5,785
PIONEER MUNICIPAL HIGH INCOM	COM SHS	723763108	274,560	32,000	SH		SOLE		0	0	32,000
PLEXUS CORP	COM	729132100	617,580	6,000	SH		SOLE		0	0	6,000
PROCTER AND GAMBLE CO	COM	742718109	1,652,021	10,900	SH		SOLE		0	0	10,900
PROSHARES TR	S&P 500 DV ARIST	74348A467	954,589	10,608	SH		SOLE		0	0	10,608
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	307,100	3,043	SH		SOLE		0	0	3,043
REPUBLIC SVCS INC	COM	760759100	266,976	2,070	SH		SOLE		0	0	2,070
RIVERNORTH CAP AND INCM FD I	COM	76882B108	3,115,556	184,026	SH		SOLE		0	0	184,026
S&P GLOBAL INC	COM	78409V104	282,689	844	SH		SOLE		0	0	844
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	524,953	22,178	SH		SOLE		0	0	22,178
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	283,989	6,221	SH		SOLE		0	0	6,221
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	507,294	11,321	SH		SOLE		0	0	11,321
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	1,088,078	14,404	SH		SOLE		0	0	14,404
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	3,895,877	59,011	SH		SOLE		0	0	59,011
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	827,058	18,318	SH		SOLE		0	0	18,318
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	998,912	15,225	SH		SOLE		0	0	15,225
SELECT SECTOR SPDR TR	SBI CONS DISCR	81369Y407	654,091	5,064	SH		SOLE		0	0	5,064
SELECT SECTOR SPDR TR	SBI CONS STPLS	81369Y308	1,189,825	15,960	SH		SOLE		0	0	15,960
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	3,977,433	29,278	SH		SOLE		0	0	29,278
SELECT SECTOR SPDR TR	SBI INT-INDS	81369Y704	3,458,149	35,212	SH		SOLE		0	0	35,212
SELECT SECTOR SPDR TR	SBI INT-UTILS	81369Y886	2,825,469	40,078	SH		SOLE		0	0	40,078
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	371,888	2,988	SH		SOLE		0	0	2,988
SHELL PLC	SPON ADS	780259305	405,300	7,117	SH		SOLE		0	0	7,117
SIMMONS 1ST NATL CORP	CL A $1 PAR	828730200	1,390,399	64,430	SH		SOLE		0	0	64,430
SOUTHERN CO	COM	842587107	1,192,247	16,696	SH		SOLE		0	0	16,696
SPDR GOLD TR	GOLD SHS	78463V107	5,066,468	29,866	SH		SOLE		0	0	29,866
SPDR INDEX SHS FDS	MSCI ACWI EXUS	78463X848	869,480	36,138	SH		SOLE		0	0	36,138
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	10,323,118	347,697	SH		SOLE		0	0	347,697
SPDR INDEX SHS FDS	PORTFOLIO EMG MK	78463X509	4,942,391	149,951	SH		SOLE		0	0	149,951
SPDR S&P 500 ETF TR	TR UNIT	78462F103	28,582,836	74,740	SH		SOLE		0	0	74,740
SPDR SER TR	AEROSPACE DEF	78464A631	960,940	8,732	SH		SOLE		0	0	8,732
SPDR SER TR	BLOOMBERG INVT	78468R200	608,049	20,008	SH		SOLE		0	0	20,008
SPDR SER TR	BLOOMBERG SHT TE	78468R408	4,240,738	174,948	SH		SOLE		0	0	174,948
SPDR SER TR	NUVEEN BLMBRG MU	78468R721	728,596	15,971	SH		SOLE		0	0	15,971
SPDR SER TR	NUVEEN BLMBRG SH	78468R739	2,646,102	56,324	SH		SOLE		0	0	56,324
SPDR SER TR	PORTFOLI S&P1500	78464A805	25,557,982	540,452	SH		SOLE		0	0	540,452
SPDR SER TR	PORTFOLIO AGRGTE	78464A649	6,758,939	268,959	SH		SOLE		0	0	268,959
SPDR SER TR	PORTFOLIO INTRMD	78464A375	8,623,506	270,924	SH		SOLE		0	0	270,924
SPDR SER TR	PORTFOLIO S&P400	78464A847	8,020,066	188,707	SH		SOLE		0	0	188,707
SPDR SER TR	PORTFOLIO S&P500	78464A854	14,591,881	324,408	SH		SOLE		0	0	324,408
SPDR SER TR	PORTFOLIO S&P600	78468R853	3,922,554	106,101	SH		SOLE		0	0	106,101
SPDR SER TR	PORTFOLIO SH TSR	78468R101	3,400,469	117,704	SH		SOLE		0	0	117,704
SPDR SER TR	PORTFOLIO SHORT	78464A474	22,669,424	771,594	SH		SOLE		0	0	771,594
SPDR SER TR	PRTFLO S&P500 GW	78464A409	7,027,008	138,682	SH		SOLE		0	0	138,682
SPDR SER TR	PRTFLO S&P500 HI	78468R788	364,017	9,197	SH		SOLE		0	0	9,197
SPDR SER TR	PRTFLO S&P500 VL	78464A508	9,343,295	240,249	SH		SOLE		0	0	240,249
SPDR SER TR	S&P 600 SMCP VAL	78464A300	4,715,531	63,535	SH		SOLE		0	0	63,535
SPDR SER TR	S&P BK ETF	78464A797	851,906	18,868	SH		SOLE		0	0	18,868
SPDR SER TR	S&P DIVID ETF	78464A763	2,131,797	17,039	SH		SOLE		0	0	17,039
SPDR SER TR	S&P REGL BKG	78464A698	285,279	4,857	SH		SOLE		0	0	4,857
SSGA ACTIVE ETF TR	BLACKSTONE SENR	78467V608	3,986,379	97,466	SH		SOLE		0	0	97,466
STARBUCKS CORP	COM	855244109	477,303	4,812	SH		SOLE		0	0	4,812
STRYKER CORPORATION	COM	863667101	243,268	995	SH		SOLE		0	0	995
TARGET CORP	COM	87612E106	561,136	3,765	SH		SOLE		0	0	3,765
TEKLA HEALTHCARE OPPORTUNITI	SHS	879105104	295,169	14,900	SH		SOLE		0	0	14,900
TESLA INC	COM	88160R101	336,405	2,731	SH		SOLE		0	0	2,731
TEXAS INSTRS INC	COM	882508104	610,653	3,696	SH		SOLE		0	0	3,696
TJX COS INC NEW	COM	872540109	399,555	5,020	SH		SOLE		0	0	5,020
TOMPKINS FINL CORP	COM	890110109	998,222	12,867	SH		SOLE		0	0	12,867
UNION PAC CORP	COM	907818108	2,922,028	14,111	SH		SOLE		0	0	14,111
UNITED PARCEL SERVICE INC	CL B	911312106	13,387,245	77,009	SH		SOLE		0	0	77,009
UNITEDHEALTH GROUP INC	COM	91324P102	406,648	767	SH		SOLE		0	0	767
VALERO ENERGY CORP	COM	91913Y100	241,161	1,901	SH		SOLE		0	0	1,901
VANECK ETF TRUST	GOLD MINERS ETF	92189F106	3,213,608	112,129	SH		SOLE		0	0	112,129
VANECK ETF TRUST	HIGH YLD MUNIETF	92189H409	1,414,498	27,982	SH		SOLE		0	0	27,982
VANECK ETF TRUST	INTRMDT MUNI ETF	92189H201	687,890	15,082	SH		SOLE		0	0	15,082
VANECK ETF TRUST	SEMICONDUCTR ETF	92189F676	445,894	2,197	SH		SOLE		0	0	2,197
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	2,096,088	29,177	SH		SOLE		0	0	29,177
VANGUARD BD INDEX FDS	VANGUARD ULTRA	92203C303	13,941,750	284,526	SH		SOLE		0	0	284,526
VANGUARD INDEX FDS	EXTEND MKT ETF	922908652	4,930,169	37,108	SH		SOLE		0	0	37,108
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	1,633,485	12,078	SH		SOLE		0	0	12,078
VANGUARD INDEX FDS	MID CAP ETF	922908629	771,454	3,785	SH		SOLE		0	0	3,785
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	492,900	5,976	SH		SOLE		0	0	5,976
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	17,842,678	50,785	SH		SOLE		0	0	50,785
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	221,208	1,393	SH		SOLE		0	0	1,393
VANGUARD INDEX FDS	SMALL CP ETF	922908751	1,589,646	8,661	SH		SOLE		0	0	8,661
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	372,657	1,858	SH		SOLE		0	0	1,858
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	31,555,908	165,050	SH		SOLE		0	0	165,050
VANGUARD INDEX FDS	VALUE ETF	922908744	1,514,267	10,788	SH		SOLE		0	0	10,788
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	7,295,758	145,508	SH		SOLE		0	0	145,508
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	4,264,570	109,404	SH		SOLE		0	0	109,404
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	461,417	5,953	SH		SOLE		0	0	5,953
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	25,788,485	342,978	SH		SOLE		0	0	342,978
VANGUARD SCOTTSDALE FDS	VNG RUS1000IDX	92206C730	12,501,412	71,740	SH		SOLE		0	0	71,740
VANGUARD SCOTTSDALE FDS	VNG RUS3000IDX	92206C599	1,532,869	8,925	SH		SOLE		0	0	8,925
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	27,022,368	177,954	SH		SOLE		0	0	177,954
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	4,890,145	116,515	SH		SOLE		0	0	116,515
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	7,533,041	69,615	SH		SOLE		0	0	69,615
VANGUARD WHITEHALL FDS	INTL DVD ETF	921946810	2,127,778	30,558	SH		SOLE		0	0	30,558
VERIZON COMMUNICATIONS INC	COM	92343V104	385,327	9,780	SH		SOLE		0	0	9,780
VISA INC	COM CL A	92826C839	796,136	3,832	SH		SOLE		0	0	3,832
WALGREENS BOOTS ALLIANCE INC	COM	931427108	659,981	17,665	SH		SOLE		0	0	17,665
WALMART INC	COM	931142103	612,176	4,317	SH		SOLE		0	0	4,317
WEC ENERGY GROUP INC	COM	92939U106	221,611	2,364	SH		SOLE		0	0	2,364
WESTERN ASSET INTER MUNI FD	COM	958435109	649,038	85,512	SH		SOLE		0	0	85,512
WISDOMTREE TR	EMER MKT HIGH FD	97717W315	3,406,009	95,567	SH		SOLE		0	0	95,567
WISDOMTREE TR	INTL LRGCAP DV	97717W794	2,111,751	47,983	SH		SOLE		0	0	47,983
WISDOMTREE TR	INTL SMCAP DIV	97717W760	1,631,456	28,148	SH		SOLE		0	0	28,148
WISDOMTREE TR	US AI ENHANCED	97717W406	629,909	6,861	SH		SOLE		0	0	6,861
WISDOMTREE TR	US HIGH DIVIDEND	97717W208	911,050	10,586	SH		SOLE		0	0	10,586
WISDOMTREE TR	US MIDCAP DIVID	97717W505	892,738	21,700	SH		SOLE		0	0	21,700
WISDOMTREE TR	US MIDCAP FUND	97717W570	879,740	18,094	SH		SOLE		0	0	18,094
WISDOMTREE TR	US QTLY DIV GRT	97717X669	231,963	3,843	SH		SOLE		0	0	3,843
WISDOMTREE TR	US SMALLCAP DIVD	97717W604	318,733	11,207	SH		SOLE		0	0	11,207
WISDOMTREE TR	YIELD ENHANCD US	97717X511	1,361,644	31,926	SH		SOLE		0	0	31,926
ZEBRA TECHNOLOGIES CORPORATI	CL A	989207105	230,769	900	SH		SOLE		0	0	900