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

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
AMAZON.COM INC	Stock	023135106	4,265,188	33,552	SH		SOLE		0	0	33,552
ISHARES TR MID GRWTH INDX ETF	ETF	464288307	3,739,742	65,460	SH		SOLE		0	0	65,460
ISHARES TR SMLL GRWTH IDX ETF	ETF	464288604	2,882,736	74,374	SH		SOLE		0	0	74,374
PRUDENTIAL FINL INC	Stock	744320102	3,036	32	SH		DFND	1	0	0	32
PRUDENTIAL FINL INC	Stock	744320102	73,391	773	SH		SOLE		0	0	773
SIRIUS XM RADIO INC	Stock	82968B103	73,571	16,277	SH		SOLE		0	0	16,277
POWERSHARES QQQ TR	ETF	46090E103	14,873,345	41,514	SH		SOLE		0	0	41,514
TECHNOLOGY SELECT SECTOR SPDR	ETF	81369Y803	1,024,099	6,247	SH		SOLE		0	0	6,247
PUBLIC SVC ENTERPRISE GRP INC COM	Stock	744573106	1,707	30	SH		DFND	1	0	0	30
SPDR PORTFOLIO AGGREGATE BOND ETF	ETF	78464A649	4,300,154	202,117	SH		SOLE		0	0	202,117
ISHARES CORE INTERNATIONAL AGGREGATE BOND ETF	ETF	46435G672	5,064,329	115,648	SH		SOLE		0	0	115,648
SPDR PORTFOLIO INTERMEDIATE TERM TREASURY ETF	ETF	78464A672	4,666,006	186,336	SH		SOLE		0	0	186,336
ISHARES INTERNATIONAL SMALLCAP EQUITY FACTOR ETF	ETF	46434V266	1,311,305	44,331	SH		SOLE		0	0	44,331
JOHNSON & JOHNSON COM	Stock	478160104	3,894	25	SH		DFND	1	0	0	25
JOHNSON & JOHNSON COM	Stock	478160104	2,897,459	18,603	SH		SOLE		0	0	18,603
WASTE MANAGEMENT INC	Stock	94106L109	99,042	17,706	SH		SOLE		0	0	17,706
VANGUARD TOTAL STOCK MARKET ETF	ETF	922908769	1,733,577	8,161	SH		SOLE		0	0	8,161
VANGUARD ENERGY	ETF	92204A306	378,113	2,983	SH		SOLE		0	0	2,983
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF	ETF	921946794	4,747,279	85,908	SH		SOLE		0	0	85,908
COSTCO WHOLESALE CORP	Stock	22160K105	3,215,493	5,692	SH		SOLE		0	0	5,692
ISHARES MSCI EMERGING MARKETS ETF	ETF	464287234	106,186	99,092	SH		SOLE		0	0	99,092
GOLDMAN SACHS GROUP INC	Stock	38141G104	256,591	793	SH		SOLE		0	0	793
LAS VEGAS SANDS CORP	Stock	517834107	19,987	13,485	SH		SOLE		0	0	13,485
REAL ESTATE SELECT SECTOR SPDR FUND	ETF	81369Y860	3,279,931	96,270	SH		SOLE		0	0	96,270
PIMCO INCOME STRATEGY FUND II	CEF	72201J104	836,856	126,989	SH		SOLE		0	0	126,989
PROCTER AND GAMBLE CO COM	Stock	742718109	4,668	32	SH		DFND	1	0	0	32
PROCTER AND GAMBLE CO COM	Stock	742718109	726,929	4,984	SH		SOLE		0	0	4,984
COCA COLA CO COM	Stock	191216100	2,519	45	SH		DFND	1	0	0	45
COCA COLA CO COM	Stock	191216100	1,850,067	33,049	SH		SOLE		0	0	33,049
ENTERPRISE PRODS PARTNERS L P	Stock	293792107	254,350	9,293	SH		SOLE		0	0	9,293
TRUIST FINL CORP COM	Stock	89832Q109	645,829	22,574	SH		SOLE		0	0	22,574
INVESCO BULLETSHARES 2025 CORPORATE BOND ETF	ETF	46138J825	5,066,304	251,930	SH		SOLE		0	0	251,930
UNITED PARCEL SERVICE INC	Stock	911312106	1,247	8	SH		DFND	1	0	0	8
UNITED PARCEL SERVICE INC	Stock	911312106	399,903	23,047	SH		SOLE		0	0	23,047
VANGUARD REIT INDEX ETF	ETF	922908553	3,636,993	52,853	SH		SOLE		0	0	52,853
INTEL CORP COM	Stock	458140100	245,525	6,906	SH		SOLE		0	0	6,906
VAIL RESORTS INC COM	Stock	91879Q109	1,109	5	SH		DFND	1	0	0	5
MEDTRONIC PLC SHS	Stock	G5960L103	1,724	22	SH		DFND	1	0	0	22
MEDTRONIC PLC SHS	Stock	G5960L103	33,993	9,827	SH		SOLE		0	0	9,827
NETFLIX COM INC	Stock	64110L106	422,912	1,120	SH		SOLE		0	0	1,120
PROLOGIS INC. COM	REIT	74340W103	2,356	21	SH		DFND	1	0	0	21
PROLOGIS INC. COM	REIT	74340W103	88,403	788	SH		SOLE		0	0	788
MERCK & CO INC	Stock	58933Y105	3,706	36	SH		DFND	1	0	0	36
MERCK & CO INC	Stock	58933Y105	677,359	21,892	SH		SOLE		0	0	21,892
SPDR S&P 500 ETF	ETF	78462F103	3,986,804	9,326	SH		SOLE		0	0	9,326
MCKESSON CORP	Stock	58155Q103	317,971	731	SH		SOLE		0	0	731
FIDELITY VALUE FACTOR ETF	ETF	316092782	464,257	9,702	SH		SOLE		0	0	9,702
MASTERCARD INC	Stock	57636Q104	7,697,942	19,444	SH		SOLE		0	0	19,444
EMERSON ELEC CO COM	Stock	291011104	1,449	15	SH		DFND	1	0	0	15
EMERSON ELEC CO COM	Stock	291011104	32,956	341	SH		SOLE		0	0	341
DIAGEO PLC	ADR	25243Q205	68,624	14,762	SH		SOLE		0	0	14,762
ISHARES TIPS BOND ETF	ETF	464287176	237,557	2,290	SH		SOLE		0	0	2,290
COGNIZANT TECH SOLUTIONS CORP	Stock	192446102	34,019	14,330	SH		SOLE		0	0	14,330
ISHARES DOW JONES US HOME CONST (ETF)	ETF	464288752	304,652	3,881	SH		SOLE		0	0	3,881
PARSONS CORP DEL COM	Stock	70202L102	264,685	4,870	SH		SOLE		0	0	4,870
BANK NEW YORK MELLON CORP COM	Stock	064058100	1,450	34	SH		DFND	1	0	0	34
BANK NEW YORK MELLON CORP COM	Stock	064058100	12,923	303	SH		SOLE		0	0	303
PACER US CASH COWS 100 ETF	ETF	69374H881	17,893,705	362,001	SH		SOLE		0	0	362,001
VERIZON COMMUNICATIONS	Stock	92343V104	2,658	82	SH		DFND	1	0	0	82
VERIZON COMMUNICATIONS	Stock	92343V104	685,845	21,162	SH		SOLE		0	0	21,162
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF	ETF	922042718	3,168,632	29,836	SH		SOLE		0	0	29,836
PEPSICO INC COM	Stock	713448108	2,542	15	SH		DFND	1	0	0	15
PEPSICO INC COM	Stock	713448108	293,654	1,733	SH		SOLE		0	0	1,733
TE CONNECTIVITY LTD SHS	Stock	H84989104	31,715	15,271	SH		SOLE		0	0	15,271
FORD MOTOR COMPANY	Stock	345370860	2,211	178	SH		DFND	1	0	0	178
FORD MOTOR COMPANY	Stock	345370860	317,596	25,571	SH		SOLE		0	0	25,571
SPDR PORTFOLIO MORTGAGE BACKED BOND ETF	ETF	78464A383	5,672,721	295,961	SH		SOLE		0	0	295,961
US BANCORP DEL COM NEW	Stock	902973304	1,851	56	SH		DFND	1	0	0	56
US BANCORP DEL COM NEW	Stock	902973304	12,195	369	SH		SOLE		0	0	369
FIRST TRUST ENERGY ALPHADEX FUND	ETF	33734X127	263,582	15,131	SH		SOLE		0	0	15,131
SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF	ETF	78464A359	585,176	8,631	SH		SOLE		0	0	8,631
HOME DEPOT	Stock	437076102	3,928	13	SH		DFND	1	0	0	13
HOME DEPOT	Stock	437076102	3,479,697	11,516	SH		SOLE		0	0	11,516
SUNCOR ENERGY COM NPV ISIN CA8672291066 SEDOL 2861142EXCHANGED FOR ONE SHAR	Stock	867224107	23,415	11,499	SH		SOLE		0	0	11,499
VILLAGE FARMS INTL INC COM	Stock	92707Y108	20,536	25,750	SH		SOLE		0	0	25,750
PACER US SMALL CAP CASH COWS 100 ETF	ETF	69374H857	6,934,334	166,291	SH		SOLE		0	0	166,291
JPMORGAN INTERNATIONAL BOND OPPORTUNITIES ETF	ETF	46641Q852	6,705,850	147,414	SH		SOLE		0	0	147,414
FIRST TRUST FINANCIALS ALPHADEX FUND	ETF	33734X135	909,800	24,050	SH		SOLE		0	0	24,050
PACER DEVELOPED MARKETS INTERNATIONAL CASH COWS 100 ETF	ETF	69374H873	7,765,183	259,966	SH		SOLE		0	0	259,966
HEALTH CARE SELECT SECTOR SPDR	ETF	81369Y209	2,900,790	22,532	SH		SOLE		0	0	22,532
SPDR GOLD ETF	ETF	78463V107	1,387,341	8,092	SH		SOLE		0	0	8,092
SOUTHERN CO COM	Stock	842587107	2,718	42	SH		DFND	1	0	0	42
SOUTHERN CO COM	Stock	842587107	81,565	1,260	SH		SOLE		0	0	1,260
ISHARES RUSSELL 1000 GROWTH ETF	ETF	464287614	2,443,850	26,185	SH		SOLE		0	0	26,185
SCHWAB INTERNATIONAL EQUITY ETF	ETF	808524805	6,161,578	181,436	SH		SOLE		0	0	181,436
CONSUMER STAPLES SELECT SECTOR SPDR	ETF	81369Y308	342,035	4,971	SH		SOLE		0	0	4,971
JPMORGAN ULTRA-SHORT INCOME ETF	ETF	46641Q837	1,713,333	34,144	SH		SOLE		0	0	34,144
INVESCO BULLETSHARES 2025 HIGH YIELD CORPORATE BOND ETF	ETF	46138J817	299,510	13,323	SH		SOLE		0	0	13,323
GALLAGHER ARTHUR J & CO COM	Stock	363576109	5,470	24	SH		DFND	1	0	0	24
GALLAGHER ARTHUR J & CO COM	Stock	363576109	79,776	350	SH		SOLE		0	0	350
SCHWAB U.S. LARGE-CAP GROWTH ETF	ETF	808524300	4,281,820	58,881	SH		SOLE		0	0	58,881
ISHARES S&P SMALLCAP 600 ETF	ETF	464287804	7,323,140	77,633	SH		SOLE		0	0	77,633
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	6,832,900	19,506	SH		SOLE		0	0	19,506
ADOBE SYS INC	Stock	00724F101	520,098	1,020	SH		SOLE		0	0	1,020
VANGUARD SHORT-TERM CORPORATE BOND ETF	ETF	92206C409	4,429,001	58,935	SH		SOLE		0	0	58,935
ALPHABET INC CAP STK CL A	Stock	02079K305	2,586,278	19,764	SH		SOLE		0	0	19,764
FISERV INC	Stock	337738108	715,921	6,338	SH		SOLE		0	0	6,338
EASTMAN CHEMICAL CO	Stock	277432100	1,228	16	SH		DFND	1	0	0	16
EASTMAN CHEMICAL CO	Stock	277432100	2,620	34	SH		SOLE		0	0	34
UNILEVER PLC SPON ADR NEW	ADR	904767704	135,652	21,848	SH		SOLE		0	0	21,848
CSX CORP	Stock	126408103	2,245	73	SH		DFND	1	0	0	73
CSX CORP	Stock	126408103	585,542	19,042	SH		SOLE		0	0	19,042
COMCAST CORP NEW CL A	Stock	20030N101	2,394	54	SH		DFND	1	0	0	54
COMCAST CORP NEW CL A	Stock	20030N101	217,946	4,915	SH		SOLE		0	0	4,915
MICROSOFT	Stock	594918104	4,736	15	SH		DFND	1	0	0	15
MICROSOFT	Stock	594918104	4,149,881	101,403	SH		SOLE		0	0	101,403
HEALTH CARE PPTY INVS INC	REIT	42250P103	918	50	SH		DFND	1	0	0	50
HEALTH CARE PPTY INVS INC	REIT	42250P103	23,594	1,285	SH		SOLE		0	0	1,285
CVS HEALTH CORP COM	Stock	126650100	165,506	13,273	SH		SOLE		0	0	13,273
ISHARES EUROPE 350 INDEX	ETF	464287861	304,722	6,384	SH		SOLE		0	0	6,384
EVERGY INC COM	Stock	30034W106	1,318	26	SH		DFND	1	0	0	26
EVERGY INC COM	Stock	30034W106	8,366	165	SH		SOLE		0	0	165
INVESCO BULLETSHARES 2026 CORPORATE BOND ETF	ETF	46138J791	558,869	29,750	SH		SOLE		0	0	29,750
FIRST TRUST TCW UNCONSTRAINED PLUS BOND ETF	ETF	33740F888	4,832,171	202,183	SH		SOLE		0	0	202,183
INNOVATOR U.S. EQUITY POWER BUFFER ETF - JULY	ETF	45782C813	1,791,290	53,154	SH		SOLE		0	0	53,154
EXPONENT INC	Stock	30214U102	430,825	5,033	SH		SOLE		0	0	5,033
BERKSHIRE HATHAWAY INC DEL CL A	Stock	084670108	531,477	1	SH		SOLE		0	0	1
BOEING CO COM	Stock	097023105	826,176	4,310	SH		SOLE		0	0	4,310
VANGUARD SMALL CAP ETF	ETF	922908751	4,067,197	25,864	SH		SOLE		0	0	25,864
VANGUARD MID CAP	ETF	922908629	1,704,636	8,186	SH		SOLE		0	0	8,186
VANGUARD LARGE CAP	ETF	922908637	319,027	1,630	SH		SOLE		0	0	1,630
NEXTERA ENERGY INC COM	Stock	65339F101	265,051	4,626	SH		SOLE		0	0	4,626
NIKE INC CLASS B	Stock	654106103	123,934	18,989	SH		SOLE		0	0	18,989
VANGUARD SHORT-TERM TREASURY ETF	ETF	92206C102	10,147,369	200,336	SH		SOLE		0	0	200,336
TESLA MOTORS INC	Stock	88160R101	1,567,128	6,263	SH		SOLE		0	0	6,263
EQUITRANS MIDSTREAM CORP COM	Stock	294600101	95,533	10,196	SH		SOLE		0	0	10,196
INVENTRUST PPTYS CORP	REIT	46124J201	769,014	32,298	SH		SOLE		0	0	32,298
INNOVATOR U.S. EQUITY POWER BUFFER ETF - SEPTEMBER	ETF	45782C656	575,975	17,777	SH		SOLE		0	0	17,777
PIMCO SHORT TERM MUNICIPAL BOND ACTIVE ETF	ETF	72201R874	2,126,926	43,451	SH		SOLE		0	0	43,451
VANGUARD HEALTH CARE ETF	ETF	92204A504	591,279	2,515	SH		SOLE		0	0	2,515
FINANCIAL SELECT SECTOR SPDR	ETF	81369Y605	835,434	25,186	SH		SOLE		0	0	25,186
NORFOLK SOUTHERN CRP	Stock	655844108	832,451	4,227	SH		SOLE		0	0	4,227
PUBLIC STORAGE INC	REIT	74460D109	282,159	1,071	SH		SOLE		0	0	1,071
VANGUARD CONSUMER STAPLES ETF	ETF	92204A207	2,701,819	14,791	SH		SOLE		0	0	14,791
VANGUARD INFORMATION TECHNOLOGY	ETF	92204A702	8,777,177	21,155	SH		SOLE		0	0	21,155
PIMCO INTERMEDIATE MUNICIPAL BOND ACTIVE ETF	ETF	72201R866	326,372	6,518	SH		SOLE		0	0	6,518
DISTILLATE US FUNDAMENTAL STABILITY & VALUE ETF	ETF	26922A321	303,262	6,794	SH		SOLE		0	0	6,794
DOW INC COM	Stock	260557103	2,475	48	SH		DFND	1	0	0	48
DOW INC COM	Stock	260557103	8,764	170	SH		SOLE		0	0	170
INNOVATOR U.S. EQUITY POWER BUFFER ETF - APRIL	ETF	45782C870	1,351,952	44,167	SH		SOLE		0	0	44,167
VANGUARD S&P 500 ETF	ETF	922908363	2,331,225	5,936	SH		SOLE		0	0	5,936
ISHARES DJ US HEALTH CARE PROVIDERS	ETF	464288828	1,018,108	4,137	SH		SOLE		0	0	4,137
FIFTH THIRD BANCORP COM	Stock	316773100	1,697	67	SH		DFND	1	0	0	67
FIFTH THIRD BANCORP COM	Stock	316773100	174,373	6,884	SH		SOLE		0	0	6,884
S & P MID CAP 400 DEP RCPTS MID CAP	ETF	78467Y107	512,533	1,122	SH		SOLE		0	0	1,122
INNOVATOR U.S. EQUITY POWER BUFFER ETF - JUNE	ETF	45782C748	1,528,648	48,823	SH		SOLE		0	0	48,823
HUNTINGTON BANCSHARES INC COM	Stock	446150104	811	78	SH		DFND	1	0	0	78
HUNTINGTON BANCSHARES INC COM	Stock	446150104	9,067	872	SH		SOLE		0	0	872
ISHARES RUSSELL TOP 200 GROWTH ETF	ETF	464289438	4,378,377	28,462	SH		SOLE		0	0	28,462
AMERICAN CENTURY DIVERSIFIED MUNICIPAL BOND ETF	ETF	025072505	2,692,345	56,149	SH		SOLE		0	0	56,149
ISHARES MSCI EAFE GROWTH INDEX ETF	ETF	464288885	48,775	37,061	SH		SOLE		0	0	37,061
INNOVATOR U.S. EQUITY POWER BUFFER ETF - AUGUST	ETF	45782C680	650,529	20,951	SH		SOLE		0	0	20,951
RYDEX ETF TR S&P EQUAL WEIGHT CONSUMER STAPLES ETF	ETF	46137V373	10,729,656	357,179	SH		SOLE		0	0	357,179
ELI LILLY & CO COM	Stock	532457108	2,126,316	37,194	SH		SOLE		0	0	37,194
AIR PRODS & CHEMS INC COM	Stock	009158106	685,976	2,421	SH		SOLE		0	0	2,421
WESTERN DIGITAL CORP. 1.5 02/01/2024	Convertible	958102AP0	19,660	20,000	SH		SOLE		0	0	20,000
AVANTIS U.S. SMALL CAP VALUE ETF	ETF	025072877	4,071,823	56,603	SH		SOLE		0	0	56,603
VANGUARD RUSSELL 1000 GROWTH ETF	ETF	92206C680	2,982,857	43,584	SH		SOLE		0	0	43,584
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF	ETF	025072802	336,513	5,817	SH		SOLE		0	0	5,817
AVANTIS EMERGING MARKETS EQUITY ETF	ETF	025072604	2,989,308	60,639	SH		SOLE		0	0	60,639
AVANTIS U.S. EQUITY ETF	ETF	025072885	1,098,227	14,991	SH		SOLE		0	0	14,991
VANGUARD TOTAL INTERNATIONAL STOCK ETF	ETF	921909768	528,927	9,883	SH		SOLE		0	0	9,883
PIMCO CORPORATE OPPORTUNITY FUND	CEF	72201B101	283,514	21,692	SH		SOLE		0	0	21,692
ISHARES RUSSELL 2000 ETF	ETF	464287655	833,506	4,716	SH		SOLE		0	0	4,716
DUKE ENERGY CORP NEW COM NEW	Stock	26441C204	1,551,380	17,577	SH		SOLE		0	0	17,577
MICRON TECHNOLOGY	Stock	595112103	634,317	9,324	SH		SOLE		0	0	9,324
AFLAC INC COM	Stock	001055102	3,218,936	41,941	SH		SOLE		0	0	41,941
SYSCO CORP COM	Stock	871829107	25,882	18,661	SH		SOLE		0	0	18,661
INVESCO S&P MIDCAP MOMENTUM ETF	ETF	46137V464	765,643	9,510	SH		SOLE		0	0	9,510
ISHARES FLOATING RATE BOND ETF	ETF	46429B655	437,681	8,601	SH		SOLE		0	0	8,601
FIDELITY BLUE CHIP GROWTH ETF	ETF	316092352	423,976	14,641	SH		SOLE		0	0	14,641
ISHARES DJ SELECT DIVIDEND	ETF	464287168	241,114	2,240	SH		SOLE		0	0	2,240
AMERICAN ELEC PWR CO INC COM	Stock	025537101	75	1	SH		DFND	1	0	0	1
AMERICAN ELEC PWR CO INC COM	Stock	025537101	760,534	10,111	SH		SOLE		0	0	10,111
ISHARES RUSSELL MIDCAP GROWTH ETF	ETF	464287481	736,719	199,209	SH		SOLE		0	0	199,209
MARATHON PETE CORP	Stock	56585A102	227,808	1,505	SH		SOLE		0	0	1,505
VANGUARD SMALL CAP VALUE ETF	ETF	922908611	355,053	2,226	SH		SOLE		0	0	2,226
VANGUARD MID CAP GROWTH ETF	ETF	922908538	316,900	1,627	SH		SOLE		0	0	1,627
SCHWAB US DIVIDEND EQUITY ETF	ETF	808524797	17,943,291	255,656	SH		SOLE		0	0	255,656
XTRACKERS MSCI EAFE HEDGED EQUITY ETF	ETF	233051200	774,713	22,198	SH		SOLE		0	0	22,198
ELECTRONIC ARTS INC COM	Stock	285512109	24,659	16,540	SH		SOLE		0	0	16,540
INVESCO FTSE RAFI US 1000 ETF	ETF	46137V613	205,239	6,450	SH		SOLE		0	0	6,450
ISHARES TR S&P GLOBAL 100 INDEXFD	ETF	464287572	4,994,808	68,198	SH		SOLE		0	0	68,198
VISA INC	Stock	92826C839	3,143,962	28,801	SH		SOLE		0	0	28,801
DIMENSIONAL U.S. TARGETED VALUE ETF	ETF	25434V609	2,131,705	46,656	SH		SOLE		0	0	46,656
HOLLEY INC COM	Stock	43538H103	105,743	21,191	SH		SOLE		0	0	21,191
DIMENSIONAL INTERNATIONAL VALUE ETF	ETF	25434V807	1,154,781	35,401	SH		SOLE		0	0	35,401
SYLVAMO CORP COMMON STOCK	Stock	871332102	44	1	SH		DFND	1	0	0	1
AVANTIS U.S. LARGE CAP VALUE ETF	ETF	025072349	262,370	4,980	SH		SOLE		0	0	4,980
VANGUARD VALUE ETF	ETF	922908744	19,788,682	143,469	SH		SOLE		0	0	143,469
VANGUARD GROWTH ETF	ETF	922908736	26,212,708	97,388	SH		SOLE		0	0	97,388
SPDR BARCLAYS CAPITAL SHORT TERM HIGH YIELD BOND ETF	ETF	78468R408	5,927,402	266,021	SH		SOLE		0	0	266,021
JPMORGAN INCOME ETF	ETF	46641Q159	2,912,773	65,603	SH		SOLE		0	0	65,603
EATON VANCE TAX MANAGED BUY WRITE OPPORTUNITIES FD COM	CEF	27829C105	331,608	43,404	SH		SOLE		0	0	43,404
VANECK FALLEN ANGEL HIGH YIELD BOND ETF	ETF	92189F437	236,814	8,751	SH		SOLE		0	0	8,751
META PLATFORMS INC CL A	Stock	30303M102	271,690	905	SH		SOLE		0	0	905
PIMCO DYNAMIC INCOME FD SHS	CEF	72201Y101	552,222	31,957	SH		SOLE		0	0	31,957
VANGUARD MATERIALS ETF	ETF	92204A801	3,983,838	23,092	SH		SOLE		0	0	23,092
PALO ALTO NETWORKS INC COM	Stock	697435105	1,868,018	7,968	SH		SOLE		0	0	7,968
MONDELEZ INTL INC CL A	Stock	609207105	1,319	19	SH		DFND	1	0	0	19
MONDELEZ INTL INC CL A	Stock	609207105	147,149	22,105	SH		SOLE		0	0	22,105
WP CAREY INC COM	REIT	92936U109	1,190	22	SH		DFND	1	0	0	22
WP CAREY INC COM	REIT	92936U109	45,806	847	SH		SOLE		0	0	847
AVAGO TECHNOLOGIES LTD	Stock	11135F101	2,492	3	SH		DFND	1	0	0	3
AVAGO TECHNOLOGIES LTD	Stock	11135F101	130,403	47,808	SH		SOLE		0	0	47,808
VANGUARD SHORT TERM INFL-PROTECTED	ETF	922020805	4,874,954	121,489	SH		SOLE		0	0	121,489
JOHNSON CTLS INC	Stock	G51502105	1,383	26	SH		DFND	1	0	0	26
JOHNSON CTLS INC	Stock	G51502105	24,748	465	SH		SOLE		0	0	465
METLIFE INC COM	Stock	59156R108	2,894	46	SH		DFND	1	0	0	46
METLIFE INC COM	Stock	59156R108	16,994	270	SH		SOLE		0	0	270
ISHARES CORE MSCI EAFE ETF	ETF	46432F842	3,020,346	46,936	SH		SOLE		0	0	46,936
ROYAL BANK OF CANADA	Stock	780087102	317,588	3,632	SH		SOLE		0	0	3,632
WISDOMTREE U.S. TOTAL DIVIDEND FUND	ETF	97717W109	2,131,519	35,425	SH		SOLE		0	0	35,425
KINDER MORGAN INC	Stock	49456B101	1,741	105	SH		DFND	1	0	0	105
KINDER MORGAN INC	Stock	49456B101	50,639	3,054	SH		SOLE		0	0	3,054
ISHARES U.S. MEDICAL DEVICES ETF	ETF	464288810	6,693,894	138,018	SH		SOLE		0	0	138,018
NVIDIA CORP	Stock	67066G104	1,799,117	4,136	SH		SOLE		0	0	4,136
CUMMINS INC COM	Stock	231021106	1,146,134	5,017	SH		SOLE		0	0	5,017
ABBVIE INC COM	Stock	00287Y109	3,279	22	SH		DFND	1	0	0	22
ABBVIE INC COM	Stock	00287Y109	1,089,786	7,311	SH		SOLE		0	0	7,311
S&P GLOBAL INC COM	Stock	78409V104	2,667,656	7,300	SH		SOLE		0	0	7,300
ISHARES CORE MSCI EMERGING MKTS	ETF	46434G103	248,610	5,224	SH		SOLE		0	0	5,224
VANGUARD TOTAL BOND MARKET ETF	ETF	921937835	664,825	9,527	SH		SOLE		0	0	9,527
ISHARES CORE 1-5 YEAR USD BOND ETF	ETF	46432F859	214,063	4,615	SH		SOLE		0	0	4,615
CELANESE CORP DEL COM	Stock	150870103	27,923	17,339	SH		SOLE		0	0	17,339
FIRST TRUST PREFERRED SECURITIES & INCOME ETF	ETF	33739E108	204,937	12,833	SH		SOLE		0	0	12,833
INVESCO S&P 500 QUALITY ETF	ETF	46137V241	2,230,023	44,565	SH		SOLE		0	0	44,565
BLACKSTONE INC COM	Stock	09260D107	228,666	13,923	SH		SOLE		0	0	13,923
ZIMMER HLDGS INC	Stock	98956P102	212,657	1,895	SH		SOLE		0	0	1,895
ROCKWELL AUTOMATION INC COM	Stock	773903109	288,157	1,008	SH		SOLE		0	0	1,008
STRYKER CORP	Stock	863667101	236,319	865	SH		SOLE		0	0	865
QUALCOMM INC	Stock	747525103	2,332	21	SH		DFND	1	0	0	21
QUALCOMM INC	Stock	747525103	1,193,658	10,748	SH		SOLE		0	0	10,748
GENERAL DYNAMICS CORP COM	Stock	369550108	2,431	11	SH		DFND	1	0	0	11
GENERAL DYNAMICS CORP COM	Stock	369550108	40,178	182	SH		SOLE		0	0	182
MCDONALDS CORP COM	Stock	580135101	3,161	12	SH		DFND	1	0	0	12
MCDONALDS CORP COM	Stock	580135101	248,373	943	SH		SOLE		0	0	943
CAMBRIA SHAREHOLDER YIELD ETF	ETF	132061201	4,154,996	67,168	SH		SOLE		0	0	67,168
CISCO SYS INC	Stock	17275R102	4,193	78	SH		DFND	1	0	0	78
CISCO SYS INC	Stock	17275R102	294,372	24,111	SH		SOLE		0	0	24,111
ISHARES TR RUSSELL MIDCAP INDEX FD	ETF	464287499	814,820	184,507	SH		SOLE		0	0	184,507
WISDOMTREE LARGE CAP DIVIDEND	ETF	97717W307	411,670	6,695	SH		SOLE		0	0	6,695
AT&T INC COM	Stock	00206R102	1,802	120	SH		DFND	1	0	0	120
AT&T INC COM	Stock	00206R102	483,445	32,187	SH		SOLE		0	0	32,187
VANGUARD INTERMEDIATE-TERM BOND	ETF	921937819	4,459,600	61,673	SH		SOLE		0	0	61,673
ENERGY SELECT SECTOR SPDR	ETF	81369Y506	4,849,116	53,647	SH		SOLE		0	0	53,647
INDEPENDENCE RLTY TR INC COM	REIT	45378A106	160,648	11,418	SH		SOLE		0	0	11,418
SCHWAB FUNDAMENTAL US LARGE CO. INDEX ETF	ETF	808524771	4,650,038	83,081	SH		SOLE		0	0	83,081
GENERAL ELECTRIC CO COM NEW	Stock	369604301	862,319	7,800	SH		SOLE		0	0	7,800
CONSUMER DISCRETIONARY SEL SECTOR SPDR FD	ETF	81369Y407	1,180,611	7,334	SH		SOLE		0	0	7,334
INDUSTRIAL SELECT SECTOR SPDR	ETF	81369Y704	2,427,775	23,947	SH		SOLE		0	0	23,947
SCIENCE APPLICATIONS INTERNA	Stock	808625107	286,752	2,717	SH		SOLE		0	0	2,717
SCHWAB FUNDAMENTAL INTERNATIONAL LARGE CO. INDEX ETF	ETF	808524755	10,962,101	346,135	SH		SOLE		0	0	346,135
RIVERFRONT STRATEGIC INCOME FUND	ETF	00162Q783	2,915,602	131,630	SH		SOLE		0	0	131,630
SPDR BLOOMBERG 1-10 YEAR TIPS ETF	ETF	78468R861	3,093,981	171,127	SH		SOLE		0	0	171,127
FIDELITY MSCI MATERIALS INDEX ETF	ETF	316092881	2,091,031	47,319	SH		SOLE		0	0	47,319
GAMING & LEISURE PPTYS INC COM	REIT	36467J108	911	20	SH		DFND	1	0	0	20
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF	ETF	316092808	327,999	2,668	SH		SOLE		0	0	2,668
ISHARES S&P 500 VALUE ETF	ETF	464287408	822,626	5,347	SH		SOLE		0	0	5,347
ISHARES S&P 500 GROWTH ETF	ETF	464287309	1,992,094	29,116	SH		SOLE		0	0	29,116
ISHARES S&P 500 INDEX	ETF	464287200	15,033,072	212,876	SH		SOLE		0	0	212,876
LAMAR ADVERTISING CO A CLASS A	REIT	512816109	1,502	18	SH		DFND	1	0	0	18
ONEOK INC NEW COM	Stock	682680103	228,067	3,596	SH		SOLE		0	0	3,596
FLEX LTD ORD	Stock	Y2573F102	23,128	14,165	SH		SOLE		0	0	14,165
UNION PAC CORP COM	Stock	907818108	362,290	17,865	SH		SOLE		0	0	17,865
ISHARES S&P U.S. PREFERRED STOCK ETF	ETF	464288687	250,590	8,311	SH		SOLE		0	0	8,311
NORTHROP GRUMMAN CORP COM	Stock	666807102	269,310	612	SH		SOLE		0	0	612
THERMO FISHER SCIENTIFIC INC COM	Stock	883556102	93,419	16,848	SH		SOLE		0	0	16,848
VANGUARD MID-CAP VALUE ETF	ETF	922908512	448,659	3,426	SH		SOLE		0	0	3,426
LOCKHEED MARTIN CORP	Stock	539830109	1,636	4	SH		DFND	1	0	0	4
LOCKHEED MARTIN CORP	Stock	539830109	1,945,938	4,758	SH		SOLE		0	0	4,758
JPMORGAN CHASE & CO COM	Stock	46625H100	5,511	38	SH		DFND	1	0	0	38
JPMORGAN CHASE & CO COM	Stock	46625H100	3,470,817	54,987	SH		SOLE		0	0	54,987
INTERNATIONAL PAPER CO COM	Stock	460146103	35	1	SH		DFND	1	0	0	1
INTERNATIONAL PAPER CO COM	Stock	460146103	1,025,796	28,920	SH		SOLE		0	0	28,920
SPDR PORTFOLIO EMERGING MARKETS ETF	ETF	78463X509	379,297	11,299	SH		SOLE		0	0	11,299
CHEVRON CORP NEW COM	Stock	166764100	5,227	31	SH		DFND	1	0	0	31
CHEVRON CORP NEW COM	Stock	166764100	2,701,408	16,021	SH		SOLE		0	0	16,021
ISHARES AMT-FREE MUNI BOND ETF	ETF	464288414	798,016	7,782	SH		SOLE		0	0	7,782
CONOCOPHILLIPS COM	Stock	20825C104	4,672	39	SH		DFND	1	0	0	39
CONOCOPHILLIPS COM	Stock	20825C104	168,521	1,407	SH		SOLE		0	0	1,407
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	4,314,509	98,685	SH		SOLE		0	0	98,685
DANAHER CORP	Stock	235851102	1,737	7	SH		DFND	1	0	0	7
DANAHER CORP	Stock	235851102	186,995	754	SH		SOLE		0	0	754
BANK AMERICA CORP COM	Stock	060505104	1,588	58	SH		DFND	1	0	0	58
BANK AMERICA CORP COM	Stock	060505104	250,317	9,142	SH		SOLE		0	0	9,142
REAVES UTIL INCOME FD COM SH BEN INT	CEF	756158101	546,162	22,157	SH		SOLE		0	0	22,157
SPDR SER TR S&P DIVID ETF	ETF	78464A763	779,157	6,775	SH		SOLE		0	0	6,775
WALMART INC COM	Stock	931142103	4,478	28	SH		DFND	1	0	0	28
WALMART INC COM	Stock	931142103	1,105,754	6,914	SH		SOLE		0	0	6,914
FIRST TRUST RISING DIVIDEND ACHIEVERS ETF	ETF	33738R506	765,032	16,649	SH		SOLE		0	0	16,649
INTL BUSINESS MACHINES	Stock	459200101	1,684	12	SH		DFND	1	0	0	12
INTL BUSINESS MACHINES	Stock	459200101	648,290	4,621	SH		SOLE		0	0	4,621
ORACLE CORPORATION	Stock	68389X105	294,439	2,780	SH		SOLE		0	0	2,780
RTX CORPORATION COM	Stock	75513E101	1,295	18	SH		DFND	1	0	0	18
RTX CORPORATION COM	Stock	75513E101	235,258	3,269	SH		SOLE		0	0	3,269
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	1,041,458	26,561	SH		SOLE		0	0	26,561
TARGET CORP COM	Stock	87612E106	61,579	13,628	SH		SOLE		0	0	13,628
VANGUARD HIGH DIVIDEND YIELD	ETF	921946406	10,843,586	112,725	SH		SOLE		0	0	112,725
PFIZER INC COM	Stock	717081103	2,687	81	SH		DFND	1	0	0	81
PFIZER INC COM	Stock	717081103	2,119,713	63,905	SH		SOLE		0	0	63,905
GILEAD SCIENCES INC	Stock	375558103	1,799	24	SH		DFND	1	0	0	24
GILEAD SCIENCES INC	Stock	375558103	868,440	11,588	SH		SOLE		0	0	11,588
CATERPILLAR INC COM	Stock	149123101	3,822	14	SH		DFND	1	0	0	14
CATERPILLAR INC COM	Stock	149123101	225,818	827	SH		SOLE		0	0	827
ALPHABET INC CAP STK CL C	Stock	02079K107	2,366,311	65,968	SH		SOLE		0	0	65,968
AMGEN INC	Stock	031162100	340,779	7,904	SH		SOLE		0	0	7,904
APPLIED MATLS INC COM	Stock	038222105	1,800	13	SH		DFND	1	0	0	13
APPLIED MATLS INC COM	Stock	038222105	133,592	965	SH		SOLE		0	0	965
HUMANA INC COM	Stock	444859102	211,709	435	SH		SOLE		0	0	435
ISHARES CORE S&P US VALUE ETF	ETF	464287663	6,804,486	91,188	SH		SOLE		0	0	91,188
VANGUARD DIVIDEND APPRECIATION ETF	ETF	921908844	4,757,710	30,620	SH		SOLE		0	0	30,620
FIDELITY NATIONAL FINANCIAL IN FNF GROUP COM	Stock	31620R303	826	20	SH		DFND	1	0	0	20
ISHARES CORE DIVIDEND GROWTH ETF	ETF	46434V621	1,595,678	32,216	SH		SOLE		0	0	32,216
EATON CORP PLC SHS	Stock	G29183103	198,698	20,947	SH		SOLE		0	0	20,947
BLACKROCK ULTRA SHORT-TERM BOND ETF	ETF	46434V878	703,657	13,967	SH		SOLE		0	0	13,967
FIRST TRUST ENHANCED SHORT MATURITY ETF	ETF	33739Q408	415,940	7,000	SH		SOLE		0	0	7,000
ISHARES S&P SMALLCAP 600 VALUE ETF	ETF	464287879	1,789,069	20,052	SH		SOLE		0	0	20,052
CITIZENS FINL GROUP INC COM	Stock	174610105	670	25	SH		DFND	1	0	0	25
CITIZENS FINL GROUP INC COM	Stock	174610105	5,038	188	SH		SOLE		0	0	188
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF	ETF	46138J841	4,213,768	203,859	SH		SOLE		0	0	203,859
NATIONAL RETAIL PPTYS	REIT	637417106	839,413	23,753	SH		SOLE		0	0	23,753
SPDR PORTFOLIO S&P 500 GROWTH ETF	ETF	78464A409	675,673	11,398	SH		SOLE		0	0	11,398
BK OF AMERICA CORP 7.25CNV PFD L	Convertible Preferred	060505682	707,366	636	SH		SOLE		0	0	636
LAM RESEARCH CORP COM	Stock	512807108	67,611	21,930	SH		SOLE		0	0	21,930
SPDR PORTFOLIO S&P 500 VALUE ETF	ETF	78464A508	2,379,608	79,846	SH		SOLE		0	0	79,846
PHILIP MORRIS INTL INC	Stock	718172109	2,870	31	SH		DFND	1	0	0	31
PHILIP MORRIS INTL INC	Stock	718172109	342,802	3,703	SH		SOLE		0	0	3,703
PARKER-HANNIFIN CORP COM	Stock	701094104	1,558	4	SH		DFND	1	0	0	4
PARKER-HANNIFIN CORP COM	Stock	701094104	22,592	58	SH		SOLE		0	0	58
VANGUARD MEGA CAP 300 ETF	ETF	921910873	1,469,483	9,676	SH		SOLE		0	0	9,676
PNC FINL SVCS GROUP INC COM	Stock	693475105	1,105	9	SH		DFND	1	0	0	9
PNC FINL SVCS GROUP INC COM	Stock	693475105	1,964	16	SH		SOLE		0	0	16
BRISTOL-MYERS SQUIBB CO COM	Stock	110122108	212,089	3,654	SH		SOLE		0	0	3,654
REALTY INCOME CORP	REIT	756109104	311,320	6,234	SH		SOLE		0	0	6,234
ALTRIA GROUP INC COM	Stock	02209S103	1,040,631	24,747	SH		SOLE		0	0	24,747
CITIGROUP INC	Stock	172967424	740	18	SH		DFND	1	0	0	18
CITIGROUP INC	Stock	172967424	341,227	16,607	SH		SOLE		0	0	16,607
EXXON MOBIL CORP COM	Stock	30231G102	5,761	49	SH		DFND	1	0	0	49
EXXON MOBIL CORP COM	Stock	30231G102	1,019,523	8,671	SH		SOLE		0	0	8,671
UNITEDHEALTH GROUP	Stock	91324P102	2,150,793	43,600	SH		SOLE		0	0	43,600
VANGUARD MEGA CAP VALUE ETF	ETF	921910840	213,193	2,102	SH		SOLE		0	0	2,102
LOWES COS INC COM	Stock	548661107	367,587	1,769	SH		SOLE		0	0	1,769