Certified Advisory 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

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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
AMAZON.COM INC	Stock	023135106	4,406,357	33,801	SH		SOLE		0	0	33,801
ISHARES TR MID GRWTH INDX ETF	ETF	464288307	4,107,890	67,409	SH		SOLE		0	0	67,409
ISHARES TR SMLL GRWTH IDX ETF	ETF	464288604	2,979,230	71,945	SH		SOLE		0	0	71,945
PRUDENTIAL FINL INC	Stock	744320102	2,823	32	SH		DFND	1	0	0	32
PRUDENTIAL FINL INC	Stock	744320102	67,684	767	SH		SOLE		0	0	767
SIRIUS XM RADIO INC	Stock	82968B103	73,653	16,259	SH		SOLE		0	0	16,259
POWERSHARES QQQ TR	ETF	46090E103	13,865,724	37,534	SH		SOLE		0	0	37,534
TECHNOLOGY SELECT SECTOR SPDR	ETF	81369Y803	1,023,298	5,886	SH		SOLE		0	0	5,886
PUBLIC SVC ENTERPRISE GRP INC COM	Stock	744573106	1,878	30	SH		DFND	1	0	0	30
SPDR PORTFOLIO AGGREGATE BOND ETF	ETF	78464A649	4,265,458	168,130	SH		SOLE		0	0	168,130
ISHARES CORE INTERNATIONAL AGGREGATE BOND ETF	ETF	46435G672	19,131,832	388,148	SH		SOLE		0	0	388,148
SPDR PORTFOLIO INTERMEDIATE TERM TREASURY ETF	ETF	78464A672	4,681,769	165,492	SH		SOLE		0	0	165,492
ISHARES INTERNATIONAL SMALLCAP EQUITY FACTOR ETF	ETF	46434V266	1,391,390	45,102	SH		SOLE		0	0	45,102
JOHNSON & JOHNSON COM	Stock	478160104	4,138	25	SH		DFND	1	0	0	25
JOHNSON & JOHNSON COM	Stock	478160104	3,176,421	19,191	SH		SOLE		0	0	19,191
VANGUARD TOTAL STOCK MARKET ETF	ETF	922908769	1,791,524	8,133	SH		SOLE		0	0	8,133
VANGUARD ENERGY	ETF	92204A306	336,793	2,983	SH		SOLE		0	0	2,983
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF	ETF	921946794	4,710,677	74,536	SH		SOLE		0	0	74,536
COSTCO WHOLESALE CORP	Stock	22160K105	3,038,723	5,644	SH		SOLE		0	0	5,644
FIRST TRUST MATERIALS ALPHADEX (ETF)	ETF	33734X168	359,042	5,593	SH		SOLE		0	0	5,593
GOLDMAN SACHS GROUP INC	Stock	38141G104	239,002	741	SH		SOLE		0	0	741
REAL ESTATE SELECT SECTOR SPDR FUND	ETF	81369Y860	3,307,611	87,758	SH		SOLE		0	0	87,758
PIMCO INCOME STRATEGY FUND II	CEF	72201J104	887,017	123,026	SH		SOLE		0	0	123,026
PROCTER AND GAMBLE CO COM	Stock	742718109	4,856	32	SH		DFND	1	0	0	32
PROCTER AND GAMBLE CO COM	Stock	742718109	712,146	4,693	SH		SOLE		0	0	4,693
COCA COLA CO COM	Stock	191216100	2,710	45	SH		DFND	1	0	0	45
COCA COLA CO COM	Stock	191216100	1,975,314	32,802	SH		SOLE		0	0	32,802
ENTERPRISE PRODS PARTNERS L P	Stock	293792107	248,855	9,444	SH		SOLE		0	0	9,444
TRUIST FINL CORP COM	Stock	89832Q109	677,214	22,313	SH		SOLE		0	0	22,313
INVESCO BULLETSHARES 2025 CORPORATE BOND ETF	ETF	46138J825	5,813,900	288,818	SH		SOLE		0	0	288,818
UNITED PARCEL SERVICE INC	Stock	911312106	434,385	2,423	SH		SOLE		0	0	2,423
VANGUARD REIT INDEX ETF	ETF	922908553	3,905,818	46,743	SH		SOLE		0	0	46,743
INTEL CORP COM	Stock	458140100	213,092	6,372	SH		SOLE		0	0	6,372
MEDTRONIC PLC SHS	Stock	G5960L103	1,938	22	SH		DFND	1	0	0	22
MEDTRONIC PLC SHS	Stock	G5960L103	21,677	246	SH		SOLE		0	0	246
NETFLIX COM INC	Stock	64110L106	490,706	1,114	SH		SOLE		0	0	1,114
PROLOGIS INC. COM	REIT	74340W103	2,575	21	SH		DFND	1	0	0	21
PROLOGIS INC. COM	REIT	74340W103	111,505	909	SH		SOLE		0	0	909
MERCK & CO INC	Stock	58933Y105	5,308	46	SH		DFND	1	0	0	46
MERCK & CO INC	Stock	58933Y105	704,221	6,103	SH		SOLE		0	0	6,103
SPDR S&P 500 ETF	ETF	78462F103	3,909,849	8,820	SH		SOLE		0	0	8,820
MCKESSON CORP	Stock	58155Q103	207,500	486	SH		SOLE		0	0	486
FIDELITY VALUE FACTOR ETF	ETF	316092782	505,377	10,293	SH		SOLE		0	0	10,293
MASTERCARD INC	Stock	57636Q104	7,661,963	19,481	SH		SOLE		0	0	19,481
EMERSON ELEC CO COM	Stock	291011104	1,356	15	SH		DFND	1	0	0	15
EMERSON ELEC CO COM	Stock	291011104	30,847	341	SH		SOLE		0	0	341
ISHARES TIPS BOND ETF	ETF	464287176	290,928	2,703	SH		SOLE		0	0	2,703
ISHARES DOW JONES US HOME CONST (ETF)	ETF	464288752	331,628	3,881	SH		SOLE		0	0	3,881
PARSONS CORP DEL COM	Stock	70202L102	249,461	5,182	SH		SOLE		0	0	5,182
BANK NEW YORK MELLON CORP COM	Stock	064058100	1,514	34	SH		DFND	1	0	0	34
BANK NEW YORK MELLON CORP COM	Stock	064058100	13,490	303	SH		SOLE		0	0	303
PACER US CASH COWS 100 ETF	ETF	69374H881	15,892,735	331,998	SH		SOLE		0	0	331,998
VERIZON COMMUNICATIONS	Stock	92343V104	3,050	82	SH		DFND	1	0	0	82
VERIZON COMMUNICATIONS	Stock	92343V104	783,509	21,068	SH		SOLE		0	0	21,068
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF	ETF	922042718	2,840,591	25,711	SH		SOLE		0	0	25,711
PEPSICO INC COM	Stock	713448108	4,075	22	SH		DFND	1	0	0	22
PEPSICO INC COM	Stock	713448108	317,794	1,716	SH		SOLE		0	0	1,716
FIRSTENERGY CORP	Stock	337932107	26,380	679	SH		SOLE		0	0	679
FORD MOTOR COMPANY	Stock	345370860	2,693	178	SH		DFND	1	0	0	178
FORD MOTOR COMPANY	Stock	345370860	427,279	28,240	SH		SOLE		0	0	28,240
SPDR PORTFOLIO MORTGAGE BACKED BOND ETF	ETF	78464A383	6,079,138	277,460	SH		SOLE		0	0	277,460
US BANCORP DEL COM NEW	Stock	902973304	1,850	56	SH		DFND	1	0	0	56
US BANCORP DEL COM NEW	Stock	902973304	12,110	367	SH		SOLE		0	0	367
FIRST TRUST ENERGY ALPHADEX FUND	ETF	33734X127	236,649	15,131	SH		SOLE		0	0	15,131
SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF	ETF	78464A359	799,018	11,423	SH		SOLE		0	0	11,423
HOME DEPOT	Stock	437076102	4,038	13	SH		DFND	1	0	0	13
HOME DEPOT	Stock	437076102	3,574,984	11,508	SH		SOLE		0	0	11,508
VILLAGE FARMS INTL INC COM	Stock	92707Y108	15,419	25,750	SH		SOLE		0	0	25,750
PACER US SMALL CAP CASH COWS 100 ETF	ETF	69374H857	4,991,869	122,650	SH		SOLE		0	0	122,650
JPMORGAN INTERNATIONAL BOND OPPORTUNITIES ETF	ETF	46641Q852	3,225,416	69,215	SH		SOLE		0	0	69,215
FIRST TRUST FINANCIALS ALPHADEX FUND	ETF	33734X135	903,429	23,964	SH		SOLE		0	0	23,964
PACER DEVELOPED MARKETS INTERNATIONAL CASH COWS 100 ETF	ETF	69374H873	6,966,101	234,312	SH		SOLE		0	0	234,312
ISHARES RUSSELL 2000 VALUE	ETF	464287630	263,421	1,871	SH		SOLE		0	0	1,871
HEALTH CARE SELECT SECTOR SPDR	ETF	81369Y209	2,955,874	22,270	SH		SOLE		0	0	22,270
SPDR GOLD ETF	ETF	78463V107	1,328,938	7,455	SH		SOLE		0	0	7,455
SOUTHERN CO COM	Stock	842587107	2,951	42	SH		DFND	1	0	0	42
SOUTHERN CO COM	Stock	842587107	88,274	1,257	SH		SOLE		0	0	1,257
ISHARES RUSSELL 1000 GROWTH ETF	ETF	464287614	2,510,635	9,124	SH		SOLE		0	0	9,124
SCHWAB INTERNATIONAL EQUITY ETF	ETF	808524805	5,722,145	160,509	SH		SOLE		0	0	160,509
CONSUMER STAPLES SELECT SECTOR SPDR	ETF	81369Y308	355,565	4,794	SH		SOLE		0	0	4,794
INVESCO BULLETSHARES 2027 CORPORATE BOND ETF	ETF	46138J783	209,819	11,028	SH		SOLE		0	0	11,028
JPMORGAN ULTRA-SHORT INCOME ETF	ETF	46641Q837	1,557,857	31,070	SH		SOLE		0	0	31,070
GALLAGHER ARTHUR J & CO COM	Stock	363576109	5,270	24	SH		DFND	1	0	0	24
GALLAGHER ARTHUR J & CO COM	Stock	363576109	76,850	350	SH		SOLE		0	0	350
SCHWAB U.S. LARGE-CAP GROWTH ETF	ETF	808524300	3,840,427	51,240	SH		SOLE		0	0	51,240
ISHARES S&P SMALLCAP 600 ETF	ETF	464287804	9,246,639	92,791	SH		SOLE		0	0	92,791
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	7,076,944	20,754	SH		SOLE		0	0	20,754
ADOBE SYS INC	Stock	00724F101	479,210	980	SH		SOLE		0	0	980
VANGUARD SHORT-TERM CORPORATE BOND ETF	ETF	92206C409	4,021,690	53,155	SH		SOLE		0	0	53,155
ALPHABET INC CAP STK CL A	Stock	02079K305	2,457,884	20,534	SH		SOLE		0	0	20,534
FISERV INC	Stock	337738108	843,669	6,688	SH		SOLE		0	0	6,688
EASTMAN CHEMICAL CO	Stock	277432100	1,340	16	SH		DFND	1	0	0	16
EASTMAN CHEMICAL CO	Stock	277432100	2,833	34	SH		SOLE		0	0	34
CSX CORP	Stock	126408103	649,333	19,042	SH		SOLE		0	0	19,042
COMCAST CORP NEW CL A	Stock	20030N101	2,244	54	SH		DFND	1	0	0	54
COMCAST CORP NEW CL A	Stock	20030N101	214,643	5,166	SH		SOLE		0	0	5,166
MICROSOFT	Stock	594918104	5,108	15	SH		DFND	1	0	0	15
MICROSOFT	Stock	594918104	4,151,066	12,190	SH		SOLE		0	0	12,190
HEALTH CARE PPTY INVS INC	REIT	42250P103	1,005	50	SH		DFND	1	0	0	50
HEALTH CARE PPTY INVS INC	REIT	42250P103	25,544	1,271	SH		SOLE		0	0	1,271
CVS HEALTH CORP COM	Stock	126650100	134,107	1,940	SH		SOLE		0	0	1,940
ISHARES EUROPE 350 INDEX	ETF	464287861	322,661	6,384	SH		SOLE		0	0	6,384
EVERGY INC COM	Stock	30034W106	1,519	26	SH		DFND	1	0	0	26
EVERGY INC COM	Stock	30034W106	9,639	165	SH		SOLE		0	0	165
INVESCO BULLETSHARES 2026 CORPORATE BOND ETF	ETF	46138J791	700,335	36,967	SH		SOLE		0	0	36,967
FIRST TRUST TCW UNCONSTRAINED PLUS BOND ETF	ETF	33740F888	3,349,148	138,566	SH		SOLE		0	0	138,566
INNOVATOR U.S. EQUITY POWER BUFFER ETF - JULY	ETF	45782C813	1,112,834	32,520	SH		SOLE		0	0	32,520
EXPONENT INC	Stock	30214U102	469,680	5,033	SH		SOLE		0	0	5,033
BERKSHIRE HATHAWAY INC DEL CL A	Stock	084670108	517,810	1	SH		SOLE		0	0	1
BOEING CO COM	Stock	097023105	928,087	4,395	SH		SOLE		0	0	4,395
VANGUARD SMALL CAP ETF	ETF	922908751	4,700,906	23,636	SH		SOLE		0	0	23,636
VANGUARD MID CAP	ETF	922908629	2,218,511	10,077	SH		SOLE		0	0	10,077
VANGUARD LARGE CAP	ETF	922908637	636,282	3,139	SH		SOLE		0	0	3,139
NEXTERA ENERGY INC COM	Stock	65339F101	334,422	4,507	SH		SOLE		0	0	4,507
VANGUARD SHORT-TERM TREASURY ETF	ETF	92206C102	9,605,379	166,385	SH		SOLE		0	0	166,385
TESLA MOTORS INC	Stock	88160R101	1,546,799	5,909	SH		SOLE		0	0	5,909
EQUITRANS MIDSTREAM CORP COM	Stock	294600101	95,942	10,036	SH		SOLE		0	0	10,036
INVENTRUST PPTYS CORP	REIT	46124J201	760,597	32,869	SH		SOLE		0	0	32,869
PIMCO SHORT TERM MUNICIPAL BOND ACTIVE ETF	ETF	72201R874	2,285,265	46,139	SH		SOLE		0	0	46,139
VANGUARD HEALTH CARE ETF	ETF	92204A504	615,122	2,513	SH		SOLE		0	0	2,513
FINANCIAL SELECT SECTOR SPDR	ETF	81369Y605	853,901	25,331	SH		SOLE		0	0	25,331
NORFOLK SOUTHERN CRP	Stock	655844108	952,819	4,202	SH		SOLE		0	0	4,202
PUBLIC STORAGE INC	REIT	74460D109	312,310	1,070	SH		SOLE		0	0	1,070
VANGUARD CONSUMER STAPLES ETF	ETF	92204A207	2,856,657	14,691	SH		SOLE		0	0	14,691
VANGUARD INFORMATION TECHNOLOGY	ETF	92204A702	9,871,937	22,327	SH		SOLE		0	0	22,327
PIMCO INTERMEDIATE MUNICIPAL BOND ACTIVE ETF	ETF	72201R866	268,023	5,170	SH		SOLE		0	0	5,170
DISTILLATE US FUNDAMENTAL STABILITY & VALUE ETF	ETF	26922A321	307,508	6,794	SH		SOLE		0	0	6,794
DOW INC COM	Stock	260557103	2,556	48	SH		DFND	1	0	0	48
DOW INC COM	Stock	260557103	9,015	169	SH		SOLE		0	0	169
INNOVATOR U.S. EQUITY POWER BUFFER ETF - APRIL	ETF	45782C870	1,364,760	44,167	SH		SOLE		0	0	44,167
VANGUARD S&P 500 ETF	ETF	922908363	1,877,816	4,611	SH		SOLE		0	0	4,611
ISHARES DJ US HEALTH CARE PROVIDERS	ETF	464288828	1,134,465	4,435	SH		SOLE		0	0	4,435
FIFTH THIRD BANCORP COM	Stock	316773100	1,756	67	SH		DFND	1	0	0	67
FIFTH THIRD BANCORP COM	Stock	316773100	178,401	6,807	SH		SOLE		0	0	6,807
S & P MID CAP 400 DEP RCPTS MID CAP	ETF	78467Y107	512,798	1,071	SH		SOLE		0	0	1,071
INNOVATOR U.S. EQUITY POWER BUFFER ETF - JUNE	ETF	45782C748	1,658,526	52,369	SH		SOLE		0	0	52,369
HUNTINGTON BANCSHARES INC COM	Stock	446150104	841	78	SH		DFND	1	0	0	78
HUNTINGTON BANCSHARES INC COM	Stock	446150104	9,349	867	SH		SOLE		0	0	867
ISHARES RUSSELL TOP 200 GROWTH ETF	ETF	464289438	4,315,190	27,215	SH		SOLE		0	0	27,215
AMERICAN CENTURY DIVERSIFIED MUNICIPAL BOND ETF	ETF	025072505	2,979,400	59,588	SH		SOLE		0	0	59,588
RYDEX ETF TR S&P EQUAL WEIGHT CONSUMER STAPLES ETF	ETF	46137V373	12,112,137	72,346	SH		SOLE		0	0	72,346
LILLY ELI & CO COM	Stock	532457108	1,762,704	3,759	SH		SOLE		0	0	3,759
WESTERN DIGITAL CORP. 1.5 02/01/2024	Convertible	958102AP0	19,390	20,000	SH		SOLE		0	0	20,000
AVANTIS U.S. SMALL CAP VALUE ETF	ETF	025072877	2,374,286	30,593	SH		SOLE		0	0	30,593
VANGUARD RUSSELL 1000 GROWTH ETF	ETF	92206C680	3,212,541	45,401	SH		SOLE		0	0	45,401
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF	ETF	025072802	383,234	6,658	SH		SOLE		0	0	6,658
AVANTIS EMERGING MARKETS EQUITY ETF	ETF	025072604	1,438,877	26,740	SH		SOLE		0	0	26,740
AVANTIS U.S. EQUITY ETF	ETF	025072885	621,006	8,259	SH		SOLE		0	0	8,259
VANGUARD TOTAL INTERNATIONAL STOCK ETF	ETF	921909768	554,683	9,891	SH		SOLE		0	0	9,891
PIMCO CORPORATE OPPORTUNITY FUND	CEF	72201B101	388,630	27,759	SH		SOLE		0	0	27,759
ISHARES RUSSELL 2000 ETF	ETF	464287655	439,013	2,344	SH		SOLE		0	0	2,344
DUKE ENERGY CORP NEW COM NEW	Stock	26441C204	1,569,146	17,485	SH		SOLE		0	0	17,485
MICRON TECHNOLOGY	Stock	595112103	693,364	10,987	SH		SOLE		0	0	10,987
INVESCO S&P MIDCAP MOMENTUM ETF	ETF	46137V464	746,539	9,388	SH		SOLE		0	0	9,388
ISHARES FLOATING RATE BOND ETF	ETF	46429B655	380,754	7,492	SH		SOLE		0	0	7,492
AMERICAN ELEC PWR CO INC COM	Stock	025537101	84	1	SH		DFND	1	0	0	1
AMERICAN ELEC PWR CO INC COM	Stock	025537101	851,329	10,111	SH		SOLE		0	0	10,111
ISHARES RUSSELL MIDCAP GROWTH ETF	ETF	464287481	614,827	6,363	SH		SOLE		0	0	6,363
VANGUARD SMALL CAP VALUE ETF	ETF	922908611	460,264	2,783	SH		SOLE		0	0	2,783
MAGELLAN MIDSTREAM PARTNERS LP	Stock	559080106	271,034	4,349	SH		SOLE		0	0	4,349
VANGUARD MID CAP GROWTH ETF	ETF	922908538	339,679	1,651	SH		SOLE		0	0	1,651
SCHWAB US DIVIDEND EQUITY ETF	ETF	808524797	17,404,425	239,664	SH		SOLE		0	0	239,664
ISHARES MSCI EMERGING MARKETS MIN VOL FACTOR ETF	ETF	464286533	1,529,159	27,813	SH		SOLE		0	0	27,813
XTRACKERS MSCI EAFE HEDGED EQUITY ETF	ETF	233051200	464,800	13,141	SH		SOLE		0	0	13,141
INVESCO FTSE RAFI US 1000 ETF	ETF	46137V613	211,109	1,290	SH		SOLE		0	0	1,290
ISHARES TR S&P GLOBAL 100 INDEXFD	ETF	464287572	4,787,398	62,942	SH		SOLE		0	0	62,942
VISA INC	Stock	92826C839	3,253,224	13,699	SH		SOLE		0	0	13,699
DIMENSIONAL U.S. TARGETED VALUE ETF	ETF	25434V609	2,949,930	63,590	SH		SOLE		0	0	63,590
HOLLEY INC COM	Stock	43538H103	82,581	20,191	SH		SOLE		0	0	20,191
DIMENSIONAL INTERNATIONAL VALUE ETF	ETF	25434V807	1,227,177	37,357	SH		SOLE		0	0	37,357
SYLVAMO CORP COMMON STOCK	Stock	871332102	40	1	SH		DFND	1	0	0	1
AVANTIS U.S. LARGE CAP VALUE ETF	ETF	025072349	265,707	4,980	SH		SOLE		0	0	4,980
VANGUARD VALUE ETF	ETF	922908744	19,210,666	135,191	SH		SOLE		0	0	135,191
VANGUARD GROWTH ETF	ETF	922908736	27,189,211	96,089	SH		SOLE		0	0	96,089
SPDR BARCLAYS CAPITAL SHORT TERM HIGH YIELD BOND ETF	ETF	78468R408	5,716,091	231,421	SH		SOLE		0	0	231,421
JPMORGAN INCOME ETF	ETF	46641Q159	470,894	10,418	SH		SOLE		0	0	10,418
EATON VANCE TAX MANAGED BUY WRITE OPPORTUNITIES FD COM	CEF	27829C105	495,398	60,267	SH		SOLE		0	0	60,267
VANECK FALLEN ANGEL HIGH YIELD BOND ETF	ETF	92189F437	240,426	8,658	SH		SOLE		0	0	8,658
META PLATFORMS INC CL A	Stock	30303M102	230,158	802	SH		SOLE		0	0	802
PIMCO DYNAMIC INCOME FD SHS	CEF	72201Y101	591,286	31,535	SH		SOLE		0	0	31,535
VANGUARD MATERIALS ETF	ETF	92204A801	4,628,176	25,434	SH		SOLE		0	0	25,434
PALO ALTO NETWORKS INC COM	Stock	697435105	2,265,352	8,866	SH		SOLE		0	0	8,866
IZEA WORLDWIDE INC COM NEW	Stock	46604H105	40,182	16,604	SH		SOLE		0	0	16,604
MONDELEZ INTL INC CL A	Stock	609207105	2,626	36	SH		DFND	1	0	0	36
MONDELEZ INTL INC CL A	Stock	609207105	133,106	1,825	SH		SOLE		0	0	1,825
WP CAREY INC COM	REIT	92936U109	1,486	22	SH		DFND	1	0	0	22
WP CAREY INC COM	REIT	92936U109	57,223	847	SH		SOLE		0	0	847
AVAGO TECHNOLOGIES LTD	Stock	11135F101	2,602	3	SH		DFND	1	0	0	3
AVAGO TECHNOLOGIES LTD	Stock	11135F101	68,147	79	SH		SOLE		0	0	79
VANGUARD SHORT TERM INFL-PROTECTED	ETF	922020805	4,918,924	103,731	SH		SOLE		0	0	103,731
JOHNSON CTLS INC	Stock	G51502105	1,772	26	SH		DFND	1	0	0	26
JOHNSON CTLS INC	Stock	G51502105	31,545	463	SH		SOLE		0	0	463
METLIFE INC COM	Stock	59156R108	2,600	46	SH		DFND	1	0	0	46
METLIFE INC COM	Stock	59156R108	15,173	268	SH		SOLE		0	0	268
ISHARES CORE MSCI EAFE ETF	ETF	46432F842	3,204,719	47,477	SH		SOLE		0	0	47,477
ROYAL BANK OF CANADA	Stock	780087102	345,923	3,622	SH		SOLE		0	0	3,622
WISDOMTREE U.S. TOTAL DIVIDEND FUND	ETF	97717W109	2,489,672	40,098	SH		SOLE		0	0	40,098
KINDER MORGAN INC	Stock	49456B101	1,808	105	SH		DFND	1	0	0	105
KINDER MORGAN INC	Stock	49456B101	52,594	3,054	SH		SOLE		0	0	3,054
GE HEALTHCARE TECHNOLOGIES INC COMMON STOCK	Stock	36266G107	227,648	2,802	SH		SOLE		0	0	2,802
ISHARES U.S. MEDICAL DEVICES ETF	ETF	464288810	7,759,582	137,435	SH		SOLE		0	0	137,435
NVIDIA CORP	Stock	67066G104	1,828,655	4,323	SH		SOLE		0	0	4,323
CUMMINS INC COM	Stock	231021106	1,301,737	5,310	SH		SOLE		0	0	5,310
ABBVIE INC COM	Stock	00287Y109	2,964	22	SH		DFND	1	0	0	22
ABBVIE INC COM	Stock	00287Y109	986,103	7,319	SH		SOLE		0	0	7,319
S&P GLOBAL INC COM	Stock	78409V104	2,933,917	7,319	SH		SOLE		0	0	7,319
ISHARES CORE MSCI EMERGING MKTS	ETF	46434G103	256,604	5,206	SH		SOLE		0	0	5,206
VANGUARD TOTAL BOND MARKET ETF	ETF	921937835	1,004,395	13,818	SH		SOLE		0	0	13,818
CELANESE CORP DEL COM	Stock	150870103	9,843	85	SH		SOLE		0	0	85
FIRST TRUST PREFERRED SECURITIES & INCOME ETF	ETF	33739E108	201,820	12,637	SH		SOLE		0	0	12,637
INVESCO S&P 500 QUALITY ETF	ETF	46137V241	2,210,217	43,810	SH		SOLE		0	0	43,810
ZIMMER HLDGS INC	Stock	98956P102	275,912	1,895	SH		SOLE		0	0	1,895
ROCKWELL AUTOMATION INC COM	Stock	773903109	332,086	1,008	SH		SOLE		0	0	1,008
STRYKER CORP	Stock	863667101	242,587	795	SH		SOLE		0	0	795
QUALCOMM INC	Stock	747525103	1,278,121	10,737	SH		SOLE		0	0	10,737
GENERAL DYNAMICS CORP COM	Stock	369550108	2,367	11	SH		DFND	1	0	0	11
GENERAL DYNAMICS CORP COM	Stock	369550108	47,917	223	SH		SOLE		0	0	223
MCDONALDS CORP COM	Stock	580135101	3,581	12	SH		DFND	1	0	0	12
MCDONALDS CORP COM	Stock	580135101	278,042	932	SH		SOLE		0	0	932
CAMBRIA SHAREHOLDER YIELD ETF	ETF	132061201	4,018,409	65,692	SH		SOLE		0	0	65,692
CISCO SYS INC	Stock	17275R102	4,036	78	SH		DFND	1	0	0	78
CISCO SYS INC	Stock	17275R102	250,929	4,850	SH		SOLE		0	0	4,850
COHEN & STEERS INFRASTRUCTURE FUND	CEF	19248A109	227,991	9,652	SH		SOLE		0	0	9,652
ISHARES TR RUSSELL MIDCAP INDEX FD	ETF	464287499	763,476	10,454	SH		SOLE		0	0	10,454
ADVANCED MICRO DEVICES INC COM	Stock	007903107	287,130	2,521	SH		SOLE		0	0	2,521
WISDOMTREE LARGE CAP DIVIDEND	ETF	97717W307	416,732	6,552	SH		SOLE		0	0	6,552
AT&T INC COM	Stock	00206R102	1,914	120	SH		DFND	1	0	0	120
AT&T INC COM	Stock	00206R102	446,466	27,992	SH		SOLE		0	0	27,992
VANGUARD INTERMEDIATE-TERM BOND	ETF	921937819	2,221,600	29,531	SH		SOLE		0	0	29,531
ENERGY SELECT SECTOR SPDR	ETF	81369Y506	6,792,855	83,687	SH		SOLE		0	0	83,687
INDEPENDENCE RLTY TR INC COM	REIT	45378A106	200,685	11,015	SH		SOLE		0	0	11,015
SCHWAB FUNDAMENTAL US LARGE CO. INDEX ETF	ETF	808524771	3,853,849	66,942	SH		SOLE		0	0	66,942
GENERAL ELECTRIC CO COM NEW	Stock	369604301	947,459	8,625	SH		SOLE		0	0	8,625
CONSUMER DISCRETIONARY SEL SECTOR SPDR FD	ETF	81369Y407	1,271,617	7,488	SH		SOLE		0	0	7,488
INDUSTRIAL SELECT SECTOR SPDR	ETF	81369Y704	2,466,756	22,985	SH		SOLE		0	0	22,985
SCIENCE APPLICATIONS INTERNA	Stock	808625107	305,608	2,717	SH		SOLE		0	0	2,717
SCHWAB FUNDAMENTAL INTERNATIONAL LARGE CO. INDEX ETF	ETF	808524755	10,635,885	329,386	SH		SOLE		0	0	329,386
RIVERFRONT STRATEGIC INCOME FUND	ETF	00162Q783	2,822,423	124,281	SH		SOLE		0	0	124,281
SPDR BLOOMBERG 1-10 YEAR TIPS ETF	ETF	78468R861	3,048,434	165,137	SH		SOLE		0	0	165,137
FIDELITY MSCI MATERIALS INDEX ETF	ETF	316092881	1,718,150	36,823	SH		SOLE		0	0	36,823
GAMING & LEISURE PPTYS INC COM	REIT	36467J108	969	20	SH		DFND	1	0	0	20
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF	ETF	316092808	273,775	2,096	SH		SOLE		0	0	2,096
ISHARES S&P 500 VALUE ETF	ETF	464287408	856,663	5,315	SH		SOLE		0	0	5,315
ISHARES S&P 500 GROWTH ETF	ETF	464287309	2,104,266	29,856	SH		SOLE		0	0	29,856
ISHARES S&P 500 INDEX	ETF	464287200	15,690,143	35,203	SH		SOLE		0	0	35,203
LAMAR ADVERTISING CO A CLASS A	REIT	512816109	1,787	18	SH		DFND	1	0	0	18
UNION PAC CORP COM	Stock	907818108	333,484	1,630	SH		SOLE		0	0	1,630
ISHARES S&P U.S. PREFERRED STOCK ETF	ETF	464288687	271,250	8,770	SH		SOLE		0	0	8,770
VANGUARD MID-CAP VALUE ETF	ETF	922908512	631,511	4,564	SH		SOLE		0	0	4,564
LOCKHEED MARTIN CORP	Stock	539830109	1,842	4	SH		DFND	1	0	0	4
LOCKHEED MARTIN CORP	Stock	539830109	1,839,473	3,996	SH		SOLE		0	0	3,996
JPMORGAN CHASE & CO COM	Stock	46625H100	5,527	38	SH		DFND	1	0	0	38
JPMORGAN CHASE & CO COM	Stock	46625H100	3,160,352	21,730	SH		SOLE		0	0	21,730
INTERNATIONAL PAPER CO COM	Stock	460146103	32	1	SH		DFND	1	0	0	1
INTERNATIONAL PAPER CO COM	Stock	460146103	1,024,477	32,206	SH		SOLE		0	0	32,206
SPDR PORTFOLIO EMERGING MARKETS ETF	ETF	78463X509	375,144	10,912	SH		SOLE		0	0	10,912
CHEVRON CORP NEW COM	Stock	166764100	4,878	31	SH		DFND	1	0	0	31
CHEVRON CORP NEW COM	Stock	166764100	2,449,764	15,569	SH		SOLE		0	0	15,569
ISHARES AMT-FREE MUNI BOND ETF	ETF	464288414	924,198	8,659	SH		SOLE		0	0	8,659
CONOCOPHILLIPS COM	Stock	20825C104	4,041	39	SH		DFND	1	0	0	39
CONOCOPHILLIPS COM	Stock	20825C104	357,336	3,449	SH		SOLE		0	0	3,449
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	4,317,060	93,483	SH		SOLE		0	0	93,483
DANAHER CORP	Stock	235851102	204,877	854	SH		SOLE		0	0	854
BANK AMERICA CORP COM	Stock	060505104	1,664	58	SH		DFND	1	0	0	58
BANK AMERICA CORP COM	Stock	060505104	272,926	9,513	SH		SOLE		0	0	9,513
REAVES UTIL INCOME FD COM SH BEN INT	CEF	756158101	575,287	20,981	SH		SOLE		0	0	20,981
SPDR SER TR S&P DIVID ETF	ETF	78464A763	834,877	6,811	SH		SOLE		0	0	6,811
WALMART INC COM	Stock	931142103	4,401	28	SH		DFND	1	0	0	28
WALMART INC COM	Stock	931142103	1,046,290	6,657	SH		SOLE		0	0	6,657
FIRST TRUST RISING DIVIDEND ACHIEVERS ETF	ETF	33738R506	774,580	16,445	SH		SOLE		0	0	16,445
INTL BUSINESS MACHINES	Stock	459200101	1,606	12	SH		DFND	1	0	0	12
INTL BUSINESS MACHINES	Stock	459200101	621,809	4,647	SH		SOLE		0	0	4,647
ORACLE CORPORATION	Stock	68389X105	264,365	2,220	SH		SOLE		0	0	2,220
RAYTHEON TECHNOLOGIES CORP COM	Stock	75513E101	1,763	18	SH		DFND	1	0	0	18
RAYTHEON TECHNOLOGIES CORP COM	Stock	75513E101	295,546	3,017	SH		SOLE		0	0	3,017
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	971,798	23,889	SH		SOLE		0	0	23,889
VANGUARD HIGH DIVIDEND YIELD	ETF	921946406	11,214,723	105,729	SH		SOLE		0	0	105,729
PFIZER INC COM	Stock	717081103	2,971	81	SH		DFND	1	0	0	81
PFIZER INC COM	Stock	717081103	2,302,691	62,778	SH		SOLE		0	0	62,778
GILEAD SCIENCES INC	Stock	375558103	1,850	24	SH		DFND	1	0	0	24
GILEAD SCIENCES INC	Stock	375558103	938,785	12,181	SH		SOLE		0	0	12,181
CATERPILLAR INC COM	Stock	149123101	3,445	14	SH		DFND	1	0	0	14
CATERPILLAR INC COM	Stock	149123101	215,669	877	SH		SOLE		0	0	877
ALPHABET INC CAP STK CL C	Stock	02079K107	2,126,169	17,576	SH		SOLE		0	0	17,576
AMGEN INC	Stock	031162100	283,266	1,276	SH		SOLE		0	0	1,276
ISHARES CORE S&P US VALUE ETF	ETF	464287663	7,100,720	90,732	SH		SOLE		0	0	90,732
VANGUARD DIVIDEND APPRECIATION ETF	ETF	921908844	4,830,778	29,741	SH		SOLE		0	0	29,741
FIDELITY NATIONAL FINANCIAL IN FNF GROUP COM	Stock	31620R303	720	20	SH		DFND	1	0	0	20
ISHARES CORE DIVIDEND GROWTH ETF	ETF	46434V621	2,016,230	39,127	SH		SOLE		0	0	39,127
BLACKROCK ULTRA SHORT-TERM BOND ETF	ETF	46434V878	540,838	10,752	SH		SOLE		0	0	10,752
FIRST TRUST ENHANCED SHORT MATURITY ETF	ETF	33739Q408	415,870	7,000	SH		SOLE		0	0	7,000
ISHARES S&P SMALLCAP 600 VALUE ETF	ETF	464287879	1,904,281	20,026	SH		SOLE		0	0	20,026
CITIZENS FINL GROUP INC COM	Stock	174610105	652	25	SH		DFND	1	0	0	25
CITIZENS FINL GROUP INC COM	Stock	174610105	4,903	188	SH		SOLE		0	0	188
INVESCO BULLETSHARES 2023 CORPORATE BOND ETF	ETF	46138J866	319,926	15,112	SH		SOLE		0	0	15,112
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF	ETF	46138J841	4,504,016	218,960	SH		SOLE		0	0	218,960
NATIONAL RETAIL PPTYS	REIT	637417106	1,010,496	23,615	SH		SOLE		0	0	23,615
SPDR PORTFOLIO S&P 500 GROWTH ETF	ETF	78464A409	738,160	12,099	SH		SOLE		0	0	12,099
BK OF AMERICA CORP 7.25CNV PFD L	Convertible Preferred	060505682	762,855	651	SH		SOLE		0	0	651
SPDR PORTFOLIO S&P 500 VALUE ETF	ETF	78464A508	2,704,832	62,612	SH		SOLE		0	0	62,612
PHILIP MORRIS INTL INC	Stock	718172109	3,026	31	SH		DFND	1	0	0	31
PHILIP MORRIS INTL INC	Stock	718172109	379,224	3,885	SH		SOLE		0	0	3,885
VANGUARD MEGA CAP 300 ETF	ETF	921910873	1,573,223	10,055	SH		SOLE		0	0	10,055
PNC FINL SVCS GROUP INC COM	Stock	693475105	1,134	9	SH		DFND	1	0	0	9
PNC FINL SVCS GROUP INC COM	Stock	693475105	2,015	16	SH		SOLE		0	0	16
BRISTOL-MYERS SQUIBB CO COM	Stock	110122108	2,366	37	SH		DFND	1	0	0	37
BRISTOL-MYERS SQUIBB CO COM	Stock	110122108	233,358	3,649	SH		SOLE		0	0	3,649
ISHARES RUSSELL 3000 ETF	ETF	464287689	569,526	2,238	SH		SOLE		0	0	2,238
REALTY INCOME CORP	REIT	756109104	389,892	6,521	SH		SOLE		0	0	6,521
ALTRIA GROUP INC COM	Stock	02209S103	1,142,934	25,230	SH		SOLE		0	0	25,230