Transform Wealth 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

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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
3M CO	COM	88579Y101	131,122	1,093	SH		SOLE	CARNICK & KUBIK	0	0	1,093
3M CO	COM	88579Y101	385,183	3,212	SH		SOLE		0	0	3,212
ABBOTT LABS	COM	002824100	668,196	6,086	SH		SOLE	CARNICK & KUBIK	0	0	6,086
ABBOTT LABS	COM	002824100	215,607	1,964	SH		SOLE		0	0	1,964
ABBVIE INC	COM	00287Y109	300,325	1,858	SH		SOLE		0	0	1,858
ABBVIE INC	COM	00287Y109	19,077,478	118,046	SH		SOLE	CARNICK & KUBIK	0	0	118,046
ABRDN GOLD ETF TRUST	PHYSCL GOLD SHS	00326A104	329,135	18,840	SH		SOLE		0	0	18,840
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	12,330,708	46,210	SH		SOLE	CARNICK & KUBIK	0	0	46,210
ADOBE SYSTEMS INCORPORATED	COM	00724F101	15,144	45	SH		SOLE		0	0	45
ADOBE SYSTEMS INCORPORATED	COM	00724F101	7,132,753	21,195	SH		SOLE	CARNICK & KUBIK	0	0	21,195
ADVANCE AUTO PARTS INC	COM	00751Y106	397,419	2,622	SH		SOLE	CARNICK & KUBIK	0	0	2,622
ALLIANT ENERGY CORP	COM	018802108	287,092	5,200	SH		SOLE		0	0	5,200
ALLSTATE CORP	COM	020002101	4,053,027	29,707	SH		SOLE	CARNICK & KUBIK	0	0	29,707
ALLSTATE CORP	COM	020002101	133,082	981	SH		SOLE		0	0	981
ALPHABET INC	CAP STK CL A	02079K305	11,815,544	133,918	SH		SOLE	CARNICK & KUBIK	0	0	133,918
ALPHABET INC	CAP STK CL A	02079K305	878,771	9,960	SH		SOLE		0	0	9,960
ALPHABET INC	CAP STK CL C	02079K107	1,962,175	22,114	SH		SOLE	CARNICK & KUBIK	0	0	22,114
ALPHABET INC	CAP STK CL C	02079K107	1,598,915	18,020	SH		SOLE		0	0	18,020
AMAZON COM INC	COM	023135106	1,615,068	19,227	SH		SOLE		0	0	19,227
AMAZON COM INC	COM	023135106	8,621,066	102,632	SH		SOLE	CARNICK & KUBIK	0	0	102,632
AMEREN CORP	COM	023608102	262,314	2,950	SH		SOLE		0	0	2,950
AMERICAN EXPRESS CO	COM	025816109	496,749	3,362	SH		SOLE	CARNICK & KUBIK	0	0	3,362
AMERICAN EXPRESS CO	COM	025816109	44,325	300	SH		SOLE		0	0	300
AMERICAN TOWER CORP NEW	COM	03027X100	167,748	786	SH		SOLE	CARNICK & KUBIK	0	0	786
AMERICAN TOWER CORP NEW	COM	03027X100	2,548,056	12,027	SH		SOLE		0	0	12,027
AMERIPRISE FINL INC	COM	03076C106	348,533	1,119	SH		SOLE	CARNICK & KUBIK	0	0	1,119
AMGEN INC	COM	031162100	343,574	1,308	SH		SOLE	CARNICK & KUBIK	0	0	1,308
AMPHENOL CORP NEW	CL A	032095101	300,208	3,932	SH		SOLE	CARNICK & KUBIK	0	0	3,932
ANTERO MIDSTREAM CORP	COM	03676B102	979,980	90,823	SH		SOLE	CARNICK & KUBIK	0	0	90,823
APPLE INC	COM	037833100	29,750,001	228,969	SH		SOLE	CARNICK & KUBIK	0	0	228,969
APPLE INC	COM	037833100	3,200,408	24,632	SH		SOLE		0	0	24,632
ARCHER DANIELS MIDLAND CO	COM	039483102	3,466,511	37,335	SH		SOLE		0	0	37,335
ARCHER DANIELS MIDLAND CO	COM	039483102	12,179,770	131,177	SH		SOLE	CARNICK & KUBIK	0	0	131,177
BEST BUY INC	COM	086516101	407,758	5,022	SH		SOLE	CARNICK & KUBIK	0	0	5,022
BLACKROCK CR ALLOCATION INCO	COM	092508100	295,930	29,300	SH		SOLE		0	0	29,300
BLACKSTONE INC	COM	09260D107	51,933	700	SH		SOLE	CARNICK & KUBIK	0	0	700
BLACKSTONE INC	COM	09260D107	2,611,605	35,202	SH		SOLE		0	0	35,202
BOEING CO	COM	097023105	31,548	166	SH		SOLE		0	0	166
BOEING CO	COM	097023105	390,695	2,051	SH		SOLE	CARNICK & KUBIK	0	0	2,051
BOK FINL CORP	COM NEW	05561Q201	294,971	2,842	SH		SOLE	CARNICK & KUBIK	0	0	2,842
BOOKING HOLDINGS INC	COM	09857L108	358,569	178	SH		SOLE	CARNICK & KUBIK	0	0	178
BRISTOL-MYERS SQUIBB CO	COM	110122108	9,392,756	130,546	SH		SOLE	CARNICK & KUBIK	0	0	130,546
BRISTOL-MYERS SQUIBB CO	COM	110122108	79,145	1,100	SH		SOLE		0	0	1,100
BROADCOM INC	COM	11135F101	10,998,370	19,671	SH		SOLE	CARNICK & KUBIK	0	0	19,671
CANADIAN NATL RY CO	COM	136375102	2,410,411	20,276	SH		SOLE		0	0	20,276
CAPITAL ONE FINL CORP	COM	14040H105	5,324,098	57,273	SH		SOLE	CARNICK & KUBIK	0	0	57,273
CARRIER GLOBAL CORPORATION	COM	14448C104	1,812,428	43,938	SH		SOLE		0	0	43,938
CARRIER GLOBAL CORPORATION	COM	14448C104	490,889	11,846	SH		SOLE	CARNICK & KUBIK	0	0	11,846
CATERPILLAR INC	COM	149123101	3,171,577	13,239	SH		SOLE		0	0	13,239
CATERPILLAR INC	COM	149123101	771,245	3,219	SH		SOLE	CARNICK & KUBIK	0	0	3,219
CF INDS HLDGS INC	COM	125269100	3,315,643	38,916	SH		SOLE	CARNICK & KUBIK	0	0	38,916
CF INDS HLDGS INC	COM	125269100	45,282	531	SH		SOLE		0	0	531
CHENIERE ENERGY INC	COM NEW	16411R208	2,337,726	15,589	SH		SOLE	CARNICK & KUBIK	0	0	15,589
CHEVRON CORP NEW	COM	166764100	3,763,448	20,967	SH		SOLE		0	0	20,967
CHEVRON CORP NEW	COM	166764100	10,802,824	60,186	SH		SOLE	CARNICK & KUBIK	0	0	60,186
CHIPOTLE MEXICAN GRILL INC	COM	169656105	251,136	181	SH		SOLE	CARNICK & KUBIK	0	0	181
CHUBB LIMITED	COM	H1467J104	33,752	153	SH		SOLE		0	0	153
CHUBB LIMITED	COM	H1467J104	7,838,716	35,402	SH		SOLE	CARNICK & KUBIK	0	0	35,402
CIGNA CORP NEW	COM	125523100	207,088	625	SH		SOLE	CARNICK & KUBIK	0	0	625
CIGNA CORP NEW	COM	125523100	44,731	135	SH		SOLE		0	0	135
CISCO SYS INC	COM	17275R102	47,640	1,000	SH		SOLE		0	0	1,000
CISCO SYS INC	COM	17275R102	8,418,616	176,713	SH		SOLE	CARNICK & KUBIK	0	0	176,713
CITIZENS FINL GROUP INC	COM	174610105	1,039,132	26,394	SH		SOLE	CARNICK & KUBIK	0	0	26,394
CONSTELLATION ENERGY CORP	COM	21037T109	1,420,317	16,475	SH		SOLE	CARNICK & KUBIK	0	0	16,475
CONSTELLATION ENERGY CORP	COM	21037T109	103,452	1,200	SH		SOLE		0	0	1,200
COSTCO WHSL CORP NEW	COM	22160K105	7,061,802	15,469	SH		SOLE	CARNICK & KUBIK	0	0	15,469
COSTCO WHSL CORP NEW	COM	22160K105	2,948,329	6,459	SH		SOLE		0	0	6,459
CUMMINS INC	COM	231021106	7,471,169	30,836	SH		SOLE	CARNICK & KUBIK	0	0	30,836
CVS HEALTH CORP	COM	126650100	10,088,925	108,262	SH		SOLE	CARNICK & KUBIK	0	0	108,262
CVS HEALTH CORP	COM	126650100	41,097	441	SH		SOLE		0	0	441
DEERE & CO	COM	244199105	9,439,648	21,955	SH		SOLE	CARNICK & KUBIK	0	0	21,955
DEERE & CO	COM	244199105	87,896	205	SH		SOLE		0	0	205
DELL TECHNOLOGIES INC	CL C	24703L202	4,726,626	117,519	SH		SOLE	CARNICK & KUBIK	0	0	117,519
DIAMONDBACK ENERGY INC	COM	25278X109	10,422	76	SH		SOLE		0	0	76
DIAMONDBACK ENERGY INC	COM	25278X109	1,567,409	11,459	SH		SOLE	CARNICK & KUBIK	0	0	11,459
DIMENSIONAL ETF TRUST	US CORE EQUITY 2	25434V708	208,662	8,594	SH		SOLE		0	0	8,594
DISCOVER FINL SVCS	COM	254709108	283,912	2,902	SH		SOLE	CARNICK & KUBIK	0	0	2,902
DOLLAR GEN CORP NEW	COM	256677105	5,731,646	23,224	SH		SOLE	CARNICK & KUBIK	0	0	23,224
DOUBLELINE ETF TRUST	SHILLER CAPE U S	25861R204	5,453,107	259,548	SH		SOLE	CARNICK & KUBIK	0	0	259,548
DOW INC	COM	260557103	287,944	5,714	SH		SOLE	CARNICK & KUBIK	0	0	5,714
DOW INC	COM	260557103	90,702	1,800	SH		SOLE		0	0	1,800
DUKE ENERGY CORP NEW	COM NEW	26441C204	120,389	1,169	SH		SOLE		0	0	1,169
DUKE ENERGY CORP NEW	COM NEW	26441C204	503,125	4,885	SH		SOLE	CARNICK & KUBIK	0	0	4,885
EATON CORP PLC	SHS	G29183103	499,415	3,182	SH		SOLE	CARNICK & KUBIK	0	0	3,182
ECOLAB INC	COM	278865100	226,200	1,548	SH		SOLE	CARNICK & KUBIK	0	0	1,548
EDWARDS LIFESCIENCES CORP	COM	28176E108	384,465	5,153	SH		SOLE	CARNICK & KUBIK	0	0	5,153
ELEVANCE HEALTH INC	COM	036752103	3,555,137	6,930	SH		SOLE	CARNICK & KUBIK	0	0	6,930
EMERSON ELEC CO	COM	291011104	9,308,343	96,901	SH		SOLE	CARNICK & KUBIK	0	0	96,901
EMPIRE ST RLTY OP L P	UNIT LTD PRT 250	292102308	81,390	13,565	SH		SOLE	CARNICK & KUBIK	0	0	13,565
EMPIRE ST RLTY OP L P	UNIT LTD PRT 60	292102209	208,204	31,546	SH		SOLE	CARNICK & KUBIK	0	0	31,546
ENTERPRISE PRODS PARTNERS L	COM	293792107	1,302,287	53,992	SH		SOLE	CARNICK & KUBIK	0	0	53,992
EXELON CORP	COM	30161N101	2,131,567	49,308	SH		SOLE	CARNICK & KUBIK	0	0	49,308
EXELON CORP	COM	30161N101	155,628	3,600	SH		SOLE		0	0	3,600
EXXON MOBIL CORP	COM	30231G102	507,159	4,598	SH		SOLE		0	0	4,598
EXXON MOBIL CORP	COM	30231G102	12,528,073	113,582	SH		SOLE	CARNICK & KUBIK	0	0	113,582
FIDELITY COVINGTON TRUST	MSCI ENERGY IDX	316092402	2,259,303	94,769	SH		SOLE	CARNICK & KUBIK	0	0	94,769
FIDELITY NATL INFORMATION SV	COM	31620M106	410,798	6,055	SH		SOLE	CARNICK & KUBIK	0	0	6,055
FIRST TR EXCH TRADED FD III	PFD SECS INC ETF	33739E108	10,476,520	623,602	SH		SOLE	CARNICK & KUBIK	0	0	623,602
FLEXSHARES TR	QUALT DIVD IDX	33939L860	4,982,693	94,728	SH		SOLE	CARNICK & KUBIK	0	0	94,728
FMC CORP	COM NEW	302491303	421,473	3,361	SH		SOLE	CARNICK & KUBIK	0	0	3,361
FORD MTR CO DEL	COM	345370860	4,132,882	355,364	SH		SOLE	CARNICK & KUBIK	0	0	355,364
FORD MTR CO DEL	COM	345370860	3,261	280	SH		SOLE		0	0	280
FORTINET INC	COM	34959E109	5,583,727	114,210	SH		SOLE	CARNICK & KUBIK	0	0	114,210
GALLAGHER ARTHUR J & CO	COM	363576109	218,720	1,160	SH		SOLE	CARNICK & KUBIK	0	0	1,160
GENERAL DYNAMICS CORP	COM	369550108	9,183,380	37,013	SH		SOLE	CARNICK & KUBIK	0	0	37,013
GLOBAL X FDS	GLB X MLP ENRG I	37954Y293	932,102	22,868	SH		SOLE	CARNICK & KUBIK	0	0	22,868
GOLDMAN SACHS GROUP INC	COM	38141G104	36,865	107	SH		SOLE		0	0	107
GOLDMAN SACHS GROUP INC	COM	38141G104	10,033,498	29,220	SH		SOLE	CARNICK & KUBIK	0	0	29,220
HCA HEALTHCARE INC	COM	40412C101	4,418,623	18,414	SH		SOLE	CARNICK & KUBIK	0	0	18,414
HOME DEPOT INC	COM	437076102	7,710,892	24,412	SH		SOLE	CARNICK & KUBIK	0	0	24,412
HOME DEPOT INC	COM	437076102	3,263,268	10,331	SH		SOLE		0	0	10,331
HONEYWELL INTL INC	COM	438516106	716,870	3,345	SH		SOLE	CARNICK & KUBIK	0	0	3,345
HONEYWELL INTL INC	COM	438516106	145,724	680	SH		SOLE		0	0	680
HP INC	COM	40434L105	28,135	1,047	SH		SOLE		0	0	1,047
HP INC	COM	40434L105	1,884,151	69,395	SH		SOLE	CARNICK & KUBIK	0	0	69,395
INNOVATOR ETFS TR	US EQT PWR BUF	45782C870	1,712,570	61,009	SH		SOLE	CARNICK & KUBIK	0	0	61,009
INNOVATOR ETFS TR	US EQTY BUF SEP	45782C664	264,660	8,726	SH		SOLE	CARNICK & KUBIK	0	0	8,726
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C318	12,559,657	447,122	SH		SOLE	CARNICK & KUBIK	0	0	447,122
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C656	553,050	18,906	SH		SOLE	CARNICK & KUBIK	0	0	18,906
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C383	17,073,888	555,787	SH		SOLE	CARNICK & KUBIK	0	0	555,787
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C797	457,124	15,202	SH		SOLE	CARNICK & KUBIK	0	0	15,202
INTERPUBLIC GROUP COS INC	COM	460690100	3,006,289	90,252	SH		SOLE	CARNICK & KUBIK	0	0	90,252
INTUIT	COM	461202103	405,956	1,043	SH		SOLE	CARNICK & KUBIK	0	0	1,043
INTUITIVE SURGICAL INC	COM NEW	46120E602	55,724	210	SH		SOLE	CARNICK & KUBIK	0	0	210
INTUITIVE SURGICAL INC	COM NEW	46120E602	3,151,562	11,877	SH		SOLE		0	0	11,877
INVESCO EXCH TRADED FD TR II	SR LN ETF	46138G508	8,340,935	406,280	SH		SOLE	CARNICK & KUBIK	0	0	406,280
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	613,590	4,344	SH		SOLE	CARNICK & KUBIK	0	0	4,344
ISHARES GOLD TR	ISHARES NEW	464285204	5,853,043	169,212	SH		SOLE		0	0	169,212
ISHARES TR	0-5YR HI YL CP	46434V407	7,153,891	174,955	SH		SOLE	CARNICK & KUBIK	0	0	174,955
ISHARES TR	CORE DIV GRWTH	46434V621	243,762	4,875	SH		SOLE		0	0	4,875
ISHARES TR	CORE S&P MCP ETF	464287507	81,762	338	SH		SOLE		0	0	338
ISHARES TR	CORE S&P MCP ETF	464287507	172,056	711	SH		SOLE	CARNICK & KUBIK	0	0	711
ISHARES TR	CORE S&P SCP ETF	464287804	76,521	809	SH		SOLE		0	0	809
ISHARES TR	CORE S&P SCP ETF	464287804	592,600	6,262	SH		SOLE	CARNICK & KUBIK	0	0	6,262
ISHARES TR	CORE S&P TTL STK	464287150	768,797	9,066	SH		SOLE	CARNICK & KUBIK	0	0	9,066
ISHARES TR	CORE S&P500 ETF	464287200	3,507,861	9,130	SH		SOLE	CARNICK & KUBIK	0	0	9,130
ISHARES TR	CORE US AGGBD ET	464287226	15,604,632	160,889	SH		SOLE	CARNICK & KUBIK	0	0	160,889
ISHARES TR	EXPND TEC SC ETF	464287549	2,181,957	7,793	SH		SOLE	CARNICK & KUBIK	0	0	7,793
ISHARES TR	MSCI EAFE ETF	464287465	577,269	8,794	SH		SOLE	CARNICK & KUBIK	0	0	8,794
ISHARES TR	RUS 1000 VAL ETF	464287598	84,014	554	SH		SOLE		0	0	554
ISHARES TR	RUS 1000 VAL ETF	464287598	312,551	2,061	SH		SOLE	CARNICK & KUBIK	0	0	2,061
ISHARES TR	RUS 2000 GRW ETF	464287648	507,672	2,367	SH		SOLE	CARNICK & KUBIK	0	0	2,367
ISHARES TR	RUS 2000 GRW ETF	464287648	21,237	99	SH		SOLE		0	0	99
ISHARES TR	RUS 2000 VAL ETF	464287630	598,102	4,313	SH		SOLE	CARNICK & KUBIK	0	0	4,313
ISHARES TR	RUSSELL 2000 ETF	464287655	1,040,447	5,967	SH		SOLE	CARNICK & KUBIK	0	0	5,967
ISHARES TR	S&P 500 GRWT ETF	464287309	12,269,459	209,734	SH		SOLE	CARNICK & KUBIK	0	0	209,734
ISHARES TR	S&P 500 VAL ETF	464287408	22,828,602	157,363	SH		SOLE	CARNICK & KUBIK	0	0	157,363
ISHARES TR	S&P MC 400GR ETF	464287606	282,625	4,138	SH		SOLE	CARNICK & KUBIK	0	0	4,138
ISHARES TR	S&P MC 400VL ETF	464287705	310,061	3,076	SH		SOLE	CARNICK & KUBIK	0	0	3,076
ISHARES TR	SELECT DIVID ETF	464287168	1,166,081	9,669	SH		SOLE	CARNICK & KUBIK	0	0	9,669
ISHARES TR	U.S. TECH ETF	464287721	558,629	7,499	SH		SOLE	CARNICK & KUBIK	0	0	7,499
ISHARES TR	US HLTHCARE ETF	464287762	1,294,052	4,561	SH		SOLE	CARNICK & KUBIK	0	0	4,561
J P MORGAN EXCHANGE TRADED F	EQUITY PREMIUM	46641Q332	354,112	6,431	SH		SOLE	CARNICK & KUBIK	0	0	6,431
J P MORGAN EXCHANGE TRADED F	MUNICIPAL ETF	46641Q647	379,632	7,640	SH		SOLE	CARNICK & KUBIK	0	0	7,640
J P MORGAN EXCHANGE TRADED F	SHORT DURA CORE	46641Q274	5,944,053	129,838	SH		SOLE	CARNICK & KUBIK	0	0	129,838
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT INC	46641Q837	16,225,278	323,013	SH		SOLE	CARNICK & KUBIK	0	0	323,013
J P MORGAN EXCHANGE TRADED F	ULTRA SHT MUNCPL	46641Q654	1,609,286	31,808	SH		SOLE	CARNICK & KUBIK	0	0	31,808
JOHNSON & JOHNSON	COM	478160104	10,651,323	60,296	SH		SOLE	CARNICK & KUBIK	0	0	60,296
JOHNSON & JOHNSON	COM	478160104	2,867,276	16,231	SH		SOLE		0	0	16,231
JPMORGAN CHASE & CO	COM	46625H100	2,945,451	21,965	SH		SOLE		0	0	21,965
JPMORGAN CHASE & CO	COM	46625H100	10,790,555	80,466	SH		SOLE	CARNICK & KUBIK	0	0	80,466
KEURIG DR PEPPER INC	COM	49271V100	5,874,593	164,739	SH		SOLE	CARNICK & KUBIK	0	0	164,739
KROGER CO	COM	501044101	7,639,851	171,374	SH		SOLE	CARNICK & KUBIK	0	0	171,374
L3HARRIS TECHNOLOGIES INC	COM	502431109	418,303	2,009	SH		SOLE	CARNICK & KUBIK	0	0	2,009
LAM RESEARCH CORP	COM	512807108	9,666,702	22,908	SH		SOLE	CARNICK & KUBIK	0	0	22,908
LILLY ELI & CO	COM	532457108	12,804	35	SH		SOLE	CARNICK & KUBIK	0	0	35
LILLY ELI & CO	COM	532457108	5,153,668	14,087	SH		SOLE		0	0	14,087
LISTED FD TR	CORE ALT FD	53656F847	564,741	17,883	SH		SOLE		0	0	17,883
LISTED FD TR	CORE ALT FD	53656F847	24,483,634	775,289	SH		SOLE	CARNICK & KUBIK	0	0	775,289
LOCKHEED MARTIN CORP	COM	539830109	491,247	1,010	SH		SOLE	CARNICK & KUBIK	0	0	1,010
LOWES COS INC	COM	548661107	3,363,370	16,881	SH		SOLE	CARNICK & KUBIK	0	0	16,881
MARATHON OIL CORP	COM	565849106	343,423	12,686	SH		SOLE	CARNICK & KUBIK	0	0	12,686
MARATHON PETE CORP	COM	56585A102	233,671	2,008	SH		SOLE	CARNICK & KUBIK	0	0	2,008
MASTERCARD INCORPORATED	CL A	57636Q104	92,439	266	SH		SOLE		0	0	266
MASTERCARD INCORPORATED	CL A	57636Q104	1,677,583	4,824	SH		SOLE	CARNICK & KUBIK	0	0	4,824
MCDONALDS CORP	COM	580135101	13,804	52	SH		SOLE		0	0	52
MCDONALDS CORP	COM	580135101	242,448	920	SH		SOLE	CARNICK & KUBIK	0	0	920
MCKESSON CORP	COM	58155Q103	5,149,584	13,708	SH		SOLE	CARNICK & KUBIK	0	0	13,708
MERCK & CO INC	COM	58933Y105	3,585,928	32,320	SH		SOLE		0	0	32,320
MERCK & CO INC	COM	58933Y105	298,082	2,669	SH		SOLE	CARNICK & KUBIK	0	0	2,669
METLIFE INC	COM	59156R108	10,613,906	146,662	SH		SOLE	CARNICK & KUBIK	0	0	146,662
METLIFE INC	COM	59156R108	2,514,184	34,741	SH		SOLE		0	0	34,741
MICROSOFT CORP	COM	594918104	2,896,122	12,076	SH		SOLE		0	0	12,076
MICROSOFT CORP	COM	594918104	28,467,629	118,704	SH		SOLE	CARNICK & KUBIK	0	0	118,704
MSCI INC	COM	55354G100	382,699	823	SH		SOLE	CARNICK & KUBIK	0	0	823
NIKE INC	CL B	654106103	2,661,803	22,749	SH		SOLE		0	0	22,749
NIKE INC	CL B	654106103	251,553	2,150	SH		SOLE	CARNICK & KUBIK	0	0	2,150
NORFOLK SOUTHN CORP	COM	655844108	233,113	946	SH		SOLE	CARNICK & KUBIK	0	0	946
NRG ENERGY INC	COM NEW	629377508	2,912,930	91,544	SH		SOLE	CARNICK & KUBIK	0	0	91,544
NUCOR CORP	COM	670346105	6,977,579	52,733	SH		SOLE	CARNICK & KUBIK	0	0	52,733
NUCOR CORP	COM	670346105	26,362	200	SH		SOLE		0	0	200
NUVEEN AMT FREE QLTY MUN INC	COM	670657105	650,609	57,222	SH		SOLE	CARNICK & KUBIK	0	0	57,222
NUVEEN FLOATING RATE INCOME	COM SHS	6706EN100	121,206	15,519	SH		SOLE		0	0	15,519
NUVEEN MULTI-MKT INCOME FD	COM	67075J107	152,102	25,912	SH		SOLE		0	0	25,912
NVIDIA CORPORATION	COM	67066G104	70,297	481	SH		SOLE	CARNICK & KUBIK	0	0	481
NVIDIA CORPORATION	COM	67066G104	895,101	6,125	SH		SOLE		0	0	6,125
NXP SEMICONDUCTORS N V	COM	N6596X109	4,933,759	31,057	SH		SOLE	CARNICK & KUBIK	0	0	31,057
OLD DOMINION FREIGHT LINE IN	COM	679580100	494,744	1,743	SH		SOLE		0	0	1,743
OREILLY AUTOMOTIVE INC	COM	67103H107	7,179,319	8,506	SH		SOLE	CARNICK & KUBIK	0	0	8,506
OWL ROCK CAPITAL CORPORATION	COM	69121K104	132,537	11,156	SH		SOLE		0	0	11,156
PAYCHEX INC	COM	704326107	296,494	2,566	SH		SOLE	CARNICK & KUBIK	0	0	2,566
PEPSICO INC	COM	713448108	238,162	1,316	SH		SOLE	CARNICK & KUBIK	0	0	1,316
PEPSICO INC	COM	713448108	97,340	539	SH		SOLE		0	0	539
PFIZER INC	COM	717081103	156,408	3,052	SH		SOLE		0	0	3,052
PFIZER INC	COM	717081103	123,130	2,403	SH		SOLE	CARNICK & KUBIK	0	0	2,403
PGIM ETF TR	PGIM ULTRA SH BD	69344A107	51,683,112	1,050,507	SH		SOLE	CARNICK & KUBIK	0	0	1,050,507
PHILLIPS 66	COM	718546104	290,576	2,792	SH		SOLE	CARNICK & KUBIK	0	0	2,792
PHILLIPS 66	COM	718546104	31,224	300	SH		SOLE		0	0	300
PIONEER NAT RES CO	COM	723787107	333,239	1,459	SH		SOLE	CARNICK & KUBIK	0	0	1,459
POWELL INDS INC	COM	739128106	319,575	9,084	SH		SOLE	CARNICK & KUBIK	0	0	9,084
PROCTER AND GAMBLE CO	COM	742718109	1,086,197	7,167	SH		SOLE	CARNICK & KUBIK	0	0	7,167
PROCTER AND GAMBLE CO	COM	742718109	901,630	5,949	SH		SOLE		0	0	5,949
PROLOGIS INC.	COM	74340W103	518,290	4,598	SH		SOLE	CARNICK & KUBIK	0	0	4,598
PROSHARES TR	SHORT S&P 500 NE	74347B425	328,035	20,464	SH		SOLE	CARNICK & KUBIK	0	0	20,464
QUALCOMM INC	COM	747525103	54,970	500	SH		SOLE		0	0	500
QUALCOMM INC	COM	747525103	246,815	2,245	SH		SOLE	CARNICK & KUBIK	0	0	2,245
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	838,072	8,304	SH		SOLE	CARNICK & KUBIK	0	0	8,304
S&P GLOBAL INC	COM	78409V104	400,043	1,194	SH		SOLE	CARNICK & KUBIK	0	0	1,194
S&P GLOBAL INC	COM	78409V104	1,607,712	4,800	SH		SOLE		0	0	4,800
SCHWAB CHARLES CORP	COM	808513105	8,326	100	SH		SOLE		0	0	100
SCHWAB CHARLES CORP	COM	808513105	7,781,236	93,457	SH		SOLE	CARNICK & KUBIK	0	0	93,457
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	1,006,184	31,238	SH		SOLE		0	0	31,238
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	1,437,954	31,500	SH		SOLE		0	0	31,500
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	277,553	6,194	SH		SOLE	CARNICK & KUBIK	0	0	6,194
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	5,672,875	126,598	SH		SOLE		0	0	126,598
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	596,804	7,900	SH		SOLE		0	0	7,900
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	993,955	13,158	SH		SOLE	CARNICK & KUBIK	0	0	13,158
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	287,028	5,166	SH		SOLE		0	0	5,166
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	356,008	7,885	SH		SOLE	CARNICK & KUBIK	0	0	7,885
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	1,881,055	28,670	SH		SOLE		0	0	28,670
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	63,314	965	SH		SOLE	CARNICK & KUBIK	0	0	965
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	2,395,305	59,129	SH		SOLE		0	0	59,129
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	88,098	2,175	SH		SOLE	CARNICK & KUBIK	0	0	2,175
SELECT SECTOR SPDR TR	ENERGY	81369Y506	329,235	3,764	SH		SOLE	CARNICK & KUBIK	0	0	3,764
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	693,815	20,287	SH		SOLE	CARNICK & KUBIK	0	0	20,287
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	41,040	1,200	SH		SOLE		0	0	1,200
SELECT SECTOR SPDR TR	SBI CONS DISCR	81369Y407	348,215	2,696	SH		SOLE	CARNICK & KUBIK	0	0	2,696
SELECT SECTOR SPDR TR	SBI CONS DISCR	81369Y407	25,832	200	SH		SOLE		0	0	200
SELECT SECTOR SPDR TR	SBI CONS STPLS	81369Y308	1,893,655	25,401	SH		SOLE	CARNICK & KUBIK	0	0	25,401
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	2,347,896	17,283	SH		SOLE	CARNICK & KUBIK	0	0	17,283
SELECT SECTOR SPDR TR	SBI INT-INDS	81369Y704	326,941	3,329	SH		SOLE	CARNICK & KUBIK	0	0	3,329
SELECT SECTOR SPDR TR	SBI INT-UTILS	81369Y886	2,993,453	42,460	SH		SOLE		0	0	42,460
SELECT SECTOR SPDR TR	SBI INT-UTILS	81369Y886	65,212	925	SH		SOLE	CARNICK & KUBIK	0	0	925
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	778,248	6,254	SH		SOLE	CARNICK & KUBIK	0	0	6,254
SHELL PLC	SPON ADS	780259305	413,564	7,262	SH		SOLE	CARNICK & KUBIK	0	0	7,262
SOUTHERN CO	COM	842587107	235,653	3,300	SH		SOLE		0	0	3,300
SPDR GOLD TR	GOLD SHS	78463V107	3,906,979	23,031	SH		SOLE		0	0	23,031
SPDR INDEX SHS FDS	GLB NAT RESRCE	78463X541	293,741	5,152	SH		SOLE		0	0	5,152
SPDR S&P 500 ETF TR	TR UNIT	78462F103	23,858	62	SH		SOLE		0	0	62
SPDR S&P 500 ETF TR	TR UNIT	78462F103	3,593,875	9,353	SH		SOLE	CARNICK & KUBIK	0	0	9,353
SPDR SER TR	BLOOMBERG 1-3 MO	78468R663	7,586,835	82,943	SH		SOLE	CARNICK & KUBIK	0	0	82,943
SPDR SER TR	PRTFLO S&P500 GW	78464A409	4,548,725	89,772	SH		SOLE	CARNICK & KUBIK	0	0	89,772
SPDR SER TR	PRTFLO S&P500 VL	78464A508	3,004,998	77,269	SH		SOLE	CARNICK & KUBIK	0	0	77,269
SPDR SER TR	S&P DIVID ETF	78464A763	1,826,731	14,601	SH		SOLE	CARNICK & KUBIK	0	0	14,601
SPDR SER TR	S&P INS ETF	78464A789	1,615,159	39,442	SH		SOLE	CARNICK & KUBIK	0	0	39,442
STARBUCKS CORP	COM	855244109	5,847,862	58,950	SH		SOLE	CARNICK & KUBIK	0	0	58,950
STARBUCKS CORP	COM	855244109	10,508	106	SH		SOLE		0	0	106
STRYKER CORPORATION	COM	863667101	97,796	400	SH		SOLE		0	0	400
STRYKER CORPORATION	COM	863667101	468,015	1,908	SH		SOLE	CARNICK & KUBIK	0	0	1,908
TARGET CORP	COM	87612E106	7,173,406	48,131	SH		SOLE	CARNICK & KUBIK	0	0	48,131
TESLA INC	COM	88160R101	28,824	234	SH		SOLE		0	0	234
TESLA INC	COM	88160R101	341,948	2,776	SH		SOLE	CARNICK & KUBIK	0	0	2,776
TEXAS INSTRS INC	COM	882508104	1,921,178	11,628	SH		SOLE	CARNICK & KUBIK	0	0	11,628
THERMO FISHER SCIENTIFIC INC	COM	883556102	7,787,486	14,134	SH		SOLE	CARNICK & KUBIK	0	0	14,134
THERMO FISHER SCIENTIFIC INC	COM	883556102	128,254	233	SH		SOLE		0	0	233
TJX COS INC NEW	COM	872540109	1,668,395	20,960	SH		SOLE	CARNICK & KUBIK	0	0	20,960
TRI CONTL CORP	COM	895436103	583,682	22,773	SH		SOLE		0	0	22,773
TRUIST FINL CORP	COM	89832Q109	391,057	9,088	SH		SOLE	CARNICK & KUBIK	0	0	9,088
ULTA BEAUTY INC	COM	90384S303	6,420,630	13,688	SH		SOLE	CARNICK & KUBIK	0	0	13,688
UNION PAC CORP	COM	907818108	592,764	2,863	SH		SOLE	CARNICK & KUBIK	0	0	2,863
UNITEDHEALTH GROUP INC	COM	91324P102	14,726,355	27,776	SH		SOLE	CARNICK & KUBIK	0	0	27,776
UNITEDHEALTH GROUP INC	COM	91324P102	3,968,896	7,486	SH		SOLE		0	0	7,486
US BANCORP DEL	COM NEW	902973304	2,204,130	50,542	SH		SOLE		0	0	50,542
US BANCORP DEL	COM NEW	902973304	2	0	SH		SOLE	CARNICK & KUBIK	0	0	0
VANECK ETF TRUST	AGRIBUSINESS ETF	92189F700	6,501,399	75,739	SH		SOLE		0	0	75,739
VANECK ETF TRUST	HIGH YLD MUNIETF	92189H409	2,628,216	51,992	SH		SOLE	CARNICK & KUBIK	0	0	51,992
VANGUARD INDEX FDS	MID CAP ETF	922908629	227,528	1,116	SH		SOLE		0	0	1,116
VANGUARD INDEX FDS	MID CAP ETF	922908629	197,900	971	SH		SOLE	CARNICK & KUBIK	0	0	971
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	526,039	1,497	SH		SOLE	CARNICK & KUBIK	0	0	1,497
VANGUARD INDEX FDS	SMALL CP ETF	922908751	206,234	1,124	SH		SOLE		0	0	1,124
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	3,708,356	19,396	SH		SOLE		0	0	19,396
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	801,208	4,191	SH		SOLE	CARNICK & KUBIK	0	0	4,191
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	363,788	2,396	SH		SOLE	CARNICK & KUBIK	0	0	2,396
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	906,800	8,380	SH		SOLE	CARNICK & KUBIK	0	0	8,380
VERISIGN INC	COM	92343E102	420,391	2,046	SH		SOLE	CARNICK & KUBIK	0	0	2,046
VERISK ANALYTICS INC	COM	92345Y106	405,438	2,298	SH		SOLE	CARNICK & KUBIK	0	0	2,298
VERTEX PHARMACEUTICALS INC	COM	92532F100	6,418,424	22,226	SH		SOLE	CARNICK & KUBIK	0	0	22,226
VISA INC	COM CL A	92826C839	2,829,865	13,621	SH		SOLE		0	0	13,621
VISA INC	COM CL A	92826C839	139,193	670	SH		SOLE	CARNICK & KUBIK	0	0	670
WASTE MGMT INC DEL	COM	94106L109	6,550,242	41,753	SH		SOLE	CARNICK & KUBIK	0	0	41,753
WASTE MGMT INC DEL	COM	94106L109	3,440,808	21,933	SH		SOLE		0	0	21,933
WESTROCK CO	COM	96145D105	1,188,795	33,811	SH		SOLE	CARNICK & KUBIK	0	0	33,811
WILLIAMS COS INC	COM	969457100	24,637	749	SH		SOLE		0	0	749
WILLIAMS COS INC	COM	969457100	1,865,891	56,714	SH		SOLE	CARNICK & KUBIK	0	0	56,714
WISDOMTREE TR	US HIGH DIVIDEND	97717W208	348,409	4,048	SH		SOLE	CARNICK & KUBIK	0	0	4,048
WOODWARD INC	COM	980745103	237,661	2,460	SH		SOLE		0	0	2,460