JNB Advisors 13F-HR Quarterly holdings report by institutional manager

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

OMB APPROVAL

OMB Number:		3235-0006
Expires:	Oct 31, 2018
Estimated average burden
hours per response:		23.8

COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
AMAZON COM INC COM	Stock	023135106	3,245,504	38,637	SH		SOLE		38,636	0	0
BLACKROCK SHORT MATURITY MUNICIPAL BOND ETF	ETF	46431W838	1,109,536	22,316	SH		SOLE		22,315	0	0
PRUDENTIAL FINL INC COM	Stock	744320102	264,888	2,663	SH		SOLE		2,663	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF	81369Y803	24,046,533	193,238	SH		SOLE		193,237	0	0
STARBUCKS CORP COM	Stock	855244109	1,022,777	10,310	SH		SOLE		10,310	0	0
SEMPRA COM	Stock	816851109	269,146	1,742	SH		SOLE		1,741	0	0
ELEVANCE HEALTH INC COM	Stock	036752103	553,723	1,079	SH		SOLE		1,079	0	0
DOLLAR GEN CORP NEW COM	Stock	256677105	502,152	2,039	SH		SOLE		2,039	0	0
SPDR PORTFOLIO S&P 500 HIGH DIVIDEND ETF	ETF	78468R788	210,964	5,330	SH		SOLE		5,330	0	0
MONSTER BEVERAGE CORP NEW COM	Stock	61174X109	248,952	2,452	SH		SOLE		2,452	0	0
JOHNSON & JOHNSON COM	Stock	478160104	2,751,707	15,577	SH		SOLE		15,577	0	0
WASTE MGMT INC DEL COM	Stock	94106L109	741,283	4,725	SH		SOLE		4,725	0	0
VANGUARD TOTAL STOCK MARKET ETF	ETF	922908769	24,332,378	127,268	SH		SOLE		127,268	0	0
DEXCOM INC COM	Stock	252131107	206,323	1,822	SH		SOLE		1,822	0	0
COSTCO WHSL CORP NEW COM	Stock	22160K105	590,047	1,293	SH		SOLE		1,292	0	0
HCA HEALTHCARE INC COM	Stock	40412C101	237,522	990	SH		SOLE		989	0	0
GOLDMAN SACHS GROUP INC COM	Stock	38141G104	666,918	1,942	SH		SOLE		1,942	0	0
YUM BRANDS INC COM	Stock	988498101	2,017,803	15,754	SH		SOLE		15,754	0	0
REAL ESTATE SELECT SECTOR SPDR FUND	ETF	81369Y860	3,332,410	90,236	SH		SOLE		90,235	0	0
PROCTER AND GAMBLE CO COM	Stock	742718109	3,902,450	25,749	SH		SOLE		25,748	0	0
COCA COLA CO COM	Stock	191216100	762,056	11,980	SH		SOLE		11,980	0	0
GENERAL MLS INC COM	Stock	370334104	211,639	2,524	SH		SOLE		2,524	0	0
TRUIST FINL CORP COM	Stock	89832Q109	510,531	11,865	SH		SOLE		11,864	0	0
UNITED PARCEL SERVICE INC CL B	Stock	911312106	515,062	2,963	SH		SOLE		2,962	0	0
MARRIOTT INTL INC NEW CL A	Stock	571903202	226,762	1,523	SH		SOLE		1,523	0	0
VANGUARD REAL ESTATE ETF	ETF	922908553	685,948	8,317	SH		SOLE		8,316	0	0
ISHARES MSCI USA ESG SELECT ETF	ETF	464288802	412,511	5,011	SH		SOLE		5,011	0	0
ISHARES MSCI ACWI EX U.S. ETF	ETF	464288240	1,165,871	25,624	SH		SOLE		25,623	0	0
INTEL CORP COM	Stock	458140100	1,925,777	72,863	SH		SOLE		72,863	0	0
MEDTRONIC PLC SHS	Stock	G5960L103	317,772	4,089	SH		SOLE		4,088	0	0
FORTIVE CORP COM	Stock	34959J108	1,165,691	18,143	SH		SOLE		18,143	0	0
NETFLIX INC COM	Stock	64110L106	1,027,067	3,483	SH		SOLE		3,483	0	0
SPDR MSCI USA STRATEGICFACTORS ETF	ETF	78468R812	275,665	2,499	SH		SOLE		2,499	0	0
ISHARES MSCI UNITED KINGDOM ETF	ETF	46435G334	209,561	6,835	SH		SOLE		6,835	0	0
WELLS FARGO CO NEW PERP PFD CNV A	Convertible Preferred	949746804	502,440	424	SH		SOLE		424	0	0
PROLOGIS INC. COM	REIT	74340W103	515,765	4,575	SH		SOLE		4,575	0	0
MERCK & CO INC COM	Stock	58933Y105	3,734,560	33,660	SH		SOLE		33,659	0	0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF	ETF	464288158	352,745	3,383	SH		SOLE		3,383	0	0
SPDR S&P 500 ETF TRUST	ETF	78462F103	35,747,761	93,475	SH		SOLE		93,475	0	0
MASTERCARD INCORPORATED CL A	Stock	57636Q104	5,462,713	15,710	SH		SOLE		15,709	0	0
FIRST REP BK SAN FRANCISCO CAL COM	Stock	33616C100	5,906,848	48,460	SH		SOLE		48,460	0	0
ILLINOIS TOOL WKS INC COM	Stock	452308109	367,620	1,669	SH		SOLE		1,668	0	0
ALLSTATE CORP COM	Stock	020002101	5,830,262	42,996	SH		SOLE		42,996	0	0
DIAGEO PLC SPON ADR NEW	ADR	25243Q205	223,876	1,256	SH		SOLE		1,256	0	0
ISHARES TIPS BOND ETF	ETF	464287176	1,357,110	12,750	SH		SOLE		12,750	0	0
VERTEX PHARMACEUTICALS INC COM	Stock	92532F100	236,800	820	SH		SOLE		820	0	0
LIONS GATE ENTMNT CORP CL B NON VTG	Stock	535919500	229,418	42,250	SH		SOLE		42,250	0	0
CORNING INC COM	Stock	219350105	489,760	15,334	SH		SOLE		15,333	0	0
JPMORGAN HIGH YIELD RESEARCH ENHANCED ETF	ETF	46641Q878	584,499	13,333	SH		SOLE		13,332	0	0
BANK NEW YORK MELLON CORP COM	Stock	064058100	366,976	8,062	SH		SOLE		8,061	0	0
VERIZON COMMUNICATIONS INC COM	Stock	92343V104	1,464,664	37,174	SH		SOLE		37,174	0	0
CHUBB LIMITED COM	Stock	H1467J104	389,429	1,765	SH		SOLE		1,765	0	0
PEPSICO INC COM	Stock	713448108	1,476,806	8,175	SH		SOLE		8,174	0	0
KIMBERLY-CLARK CORP COM	Stock	494368103	315,729	2,326	SH		SOLE		2,325	0	0
HONEYWELL INTL INC COM	Stock	438516106	509,145	2,376	SH		SOLE		2,375	0	0
FORD MTR CO DEL COM	Stock	345370860	171,761	14,769	SH		SOLE		14,768	0	0
US BANCORP DEL COM NEW	Stock	902973304	565,085	12,958	SH		SOLE		12,957	0	0
HOME DEPOT INC COM	Stock	437076102	4,239,768	13,423	SH		SOLE		13,422	0	0
BAXTER INTL INC COM	Stock	071813109	893,200	17,524	SH		SOLE		17,524	0	0
AUTOMATIC DATA PROCESSING INC COM	Stock	053015103	696,055	2,914	SH		SOLE		2,914	0	0
DUPONT DE NEMOURS INC COM	Stock	26614N102	463,144	6,748	SH		SOLE		6,748	0	0
ISHARES RUSSELL 2000 VALUE ETF	ETF	464287630	502,956	3,627	SH		SOLE		3,627	0	0
HEALTH CARE SELECT SECTOR SPDR FUND	ETF	81369Y209	33,672,543	247,866	SH		SOLE		247,865	0	0
SOUTHERN CO COM	Stock	842587107	297,665	4,168	SH		SOLE		4,168	0	0
BECTON DICKINSON & CO COM	Stock	075887109	1,647,136	6,477	SH		SOLE		6,477	0	0
REGIONS FINANCIAL CORP NEW COM	Stock	7591EP100	398,557	18,486	SH		SOLE		18,485	0	0
ISHARES RUSSELL 1000 GROWTH ETF	ETF	464287614	28,517,186	133,109	SH		SOLE		133,108	0	0
CONSUMER STAPLES SELECT SECTOR SPDR FUND	ETF	81369Y308	11,498,516	154,239	SH		SOLE		154,238	0	0
SPDR PORTFOLIO S&P 400 MID CAP ETF	ETF	78464A847	631,253	14,853	SH		SOLE		14,853	0	0
JPMORGAN ULTRA-SHORT INCOME ETF	ETF	46641Q837	2,651,149	52,885	SH		SOLE		52,885	0	0
AON PLC SHS CL A	Stock	G0403H108	323,592	1,078	SH		SOLE		1,078	0	0
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF	ETF	78464A474	963,517	32,795	SH		SOLE		32,795	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF	464287804	16,626,645	175,683	SH		SOLE		175,683	0	0
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	3,341,371	10,817	SH		SOLE		10,817	0	0
CARTERS INC COM	Stock	146229109	367,454	4,925	SH		SOLE		4,925	0	0
ADOBE SYSTEMS INCORPORATED COM	Stock	00724F101	996,802	2,962	SH		SOLE		2,962	0	0
VANGUARD SHORT-TERM CORPORATE BOND ETF	ETF	92206C409	2,769,202	36,829	SH		SOLE		36,829	0	0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF	ETF	92206C870	842,693	10,872	SH		SOLE		10,872	0	0
ALPHABET INC CAP STK CL A	Stock	02079K305	3,552,934	40,269	SH		SOLE		40,269	0	0
PROGRESSIVE CORP COM	Stock	743315103	278,548	2,147	SH		SOLE		2,147	0	0
VANGUARD U.S. VALUE FACTOR ETF	ETF	921935805	493,350	5,000	SH		SOLE		5,000	0	0
VANGUARD U.S. MOMENTUM FACTOR ETF	ETF	921935508	421,338	3,694	SH		SOLE		3,694	0	0
FISERV INC COM	Stock	337738108	5,416,341	53,590	SH		SOLE		53,590	0	0
INTUIT COM	Stock	461202103	347,673	893	SH		SOLE		893	0	0
UNILEVER PLC SPON ADR NEW	ADR	904767704	1,327,889	26,373	SH		SOLE		26,373	0	0
CSX CORP COM	Stock	126408103	251,599	8,121	SH		SOLE		8,121	0	0
GRAPHIC PACKAGING HLDG CO COM	Stock	388689101	394,275	17,720	SH		SOLE		17,720	0	0
SENSATA TECHNOLOGIES HLDG PLC SHS	Stock	G8060N102	342,153	8,473	SH		SOLE		8,473	0	0
COMCAST CORP NEW CL A	Stock	20030N101	716,230	20,481	SH		SOLE		20,481	0	0
MICROSOFT CORP COM	Stock	594918104	14,295,062	59,607	SH		SOLE		59,607	0	0
SS&C TECHNOLOGIES HLDGS INC COM	Stock	78467J100	410,351	7,882	SH		SOLE		7,882	0	0
VALERO ENERGY CORP COM	Stock	91913Y100	5,291,465	41,711	SH		SOLE		41,711	0	0
SCHLUMBERGER LTD COM STK	Stock	806857108	306,488	5,733	SH		SOLE		5,733	0	0
CVS HEALTH CORP COM	Stock	126650100	669,655	7,186	SH		SOLE		7,185	0	0
DTE ENERGY CO COM	Stock	233331107	1,034,054	8,798	SH		SOLE		8,798	0	0
SPROTT PHYSICAL GOLD TR UNIT	CEF	85207H104	291,574	20,679	SH		SOLE		20,679	0	0
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND	ETF	81369Y852	9,201,917	191,747	SH		SOLE		191,746	0	0
SIMON PPTY GROUP INC NEW COM	REIT	828806109	284,816	2,424	SH		SOLE		2,424	0	0
TILRAY BRANDS INC COM CL 2	Stock	88688T100	74,147	27,564	SH		SOLE		27,564	0	0
AMERIPRISE FINL INC COM	Stock	03076C106	1,544,936	4,962	SH		SOLE		4,961	0	0
VANGUARD INTERMEDIATE-TERM TREASURY ETF	ETF	92206C706	1,025,682	17,539	SH		SOLE		17,539	0	0
ARES CAPITAL CORP COM	CEF	04010L103	8,404,053	455,011	SH		SOLE		455,011	0	0
BERKSHIRE HATHAWAY INC DEL CL A	Stock	084670108	1,406,133	3	SH		SOLE		3	0	0
ELANCO ANIMAL HEALTH INC COM	Stock	28414H103	341,415	27,939	SH		SOLE		27,939	0	0
BOEING CO COM	Stock	097023105	311,642	1,636	SH		SOLE		1,636	0	0
VANGUARD SMALL-CAP ETF	ETF	922908751	2,323,572	12,660	SH		SOLE		12,659	0	0
VANGUARD MID-CAP ETF	ETF	922908629	3,146,611	15,439	SH		SOLE		15,438	0	0
NEXTERA ENERGY INC COM	Stock	65339F101	775,070	9,271	SH		SOLE		9,271	0	0
NIKE INC CL B	Stock	654106103	690,667	5,903	SH		SOLE		5,902	0	0
ALIGN TECHNOLOGY INC COM	Stock	016255101	226,718	1,075	SH		SOLE		1,075	0	0
URBAN OUTFITTERS INC COM	Stock	917047102	241,124	10,110	SH		SOLE		10,110	0	0
TESLA INC COM	Stock	88160R101	801,779	6,509	SH		SOLE		6,509	0	0
MSCI INC COM	Stock	55354G100	267,020	574	SH		SOLE		574	0	0
LINDE PLC SHS	Stock	G5494J103	481,955	1,478	SH		SOLE		1,477	0	0
BAIN CAP SPECIALTY FIN INC COM STK	CEF	05684B107	300,517	25,253	SH		SOLE		25,253	0	0
FINANCIAL SELECT SECTOR SPDR FUND	ETF	81369Y605	14,322,986	418,801	SH		SOLE		418,800	0	0
MODERNA INC COM	Stock	60770K107	250,031	1,392	SH		SOLE		1,392	0	0
NORFOLK SOUTHN CORP COM	Stock	655844108	467,079	1,895	SH		SOLE		1,895	0	0
ALERIAN MLP ETF	ETF	00162Q452	697,121	18,312	SH		SOLE		18,311	0	0
VANGUARD FTSE EUROPE ETF	ETF	922042874	401,563	7,243	SH		SOLE		7,243	0	0
VANGUARD INFORMATION TECHNOLOGY ETF	ETF	92204A702	385,847	1,208	SH		SOLE		1,208	0	0
WALGREENS BOOTS ALLIANCE INC COM	Stock	931427108	383,127	10,255	SH		SOLE		10,255	0	0
INTERNATIONAL FLAVORS&FRAGRANC COM	Stock	459506101	251,406	2,398	SH		SOLE		2,398	0	0
HANESBRANDS INC COM	Stock	410345102	185,254	29,128	SH		SOLE		29,128	0	0
VANGUARD S&P 500 ETF	ETF	922908363	2,979,462	8,480	SH		SOLE		8,480	0	0
BROWN FORMAN CORP CL A	Stock	115637100	272,641	4,146	SH		SOLE		4,146	0	0
FIFTH THIRD BANCORP COM	Stock	316773100	1,277,785	38,945	SH		SOLE		38,944	0	0
WISDOMTREE EUROPE HEDGED EQUITY FUND	ETF	97717X701	389,817	5,572	SH		SOLE		5,572	0	0
SPDR S&P MIDCAP 400 ETF TRUST	ETF	78467Y107	1,620,611	3,660	SH		SOLE		3,660	0	0
ILLUMINA INC COM	Stock	452327109	338,685	1,675	SH		SOLE		1,675	0	0
GENERAL MTRS CO COM	Stock	37045V100	504,667	15,002	SH		SOLE		15,002	0	0
HUNTINGTON BANCSHARES INC COM	Stock	446150104	261,257	18,529	SH		SOLE		18,528	0	0
AMCOR PLC ORD	Stock	G0250X107	134,853	11,323	SH		SOLE		11,322	0	0
INVESCO S&P 500 EQUAL WEIGHT ETF	ETF	46137V357	1,059,375	7,500	SH		SOLE		7,500	0	0
JPMORGAN CORPORATE BOND RESEARCH ENHANCED ETF	ETF	46641Q449	935,729	21,029	SH		SOLE		21,029	0	0
OWL ROCK CAPITAL CORPORATION COM	CEF	69121K104	4,263,532	369,137	SH		SOLE		369,137	0	0
LILLY ELI & CO COM	Stock	532457108	1,336,255	3,653	SH		SOLE		3,652	0	0
AIR PRODS & CHEMS INC COM	Stock	009158106	494,919	1,606	SH		SOLE		1,605	0	0
WISDOMTREE CLOUD COMPUTING FUND	ETF	97717Y691	334,718	13,346	SH		SOLE		13,346	0	0
GRANITESHARES XOUT US LARGE CAP ETF	ETF	38747R603	537,289	16,583	SH		SOLE		16,583	0	0
VANGUARD TOTAL INTERNATIONAL STOCK ETF	ETF	921909768	237,739	4,597	SH		SOLE		4,596	0	0
ISHARES RUSSELL MID-CAP VALUE ETF	ETF	464287473	765,295	7,265	SH		SOLE		7,265	0	0
VANGUARD MORTGAGE-BACKED SECURITIES ETF	ETF	92206C771	380,365	8,356	SH		SOLE		8,356	0	0
VANGUARD S&P 500 GROWTH ETF	ETF	921932505	423,854	2,009	SH		SOLE		2,009	0	0
ISHARES RUSSELL 2000 ETF	ETF	464287655	1,879,192	10,778	SH		SOLE		10,777	0	0
ISHARES CORE HIGH DIVIDEND ETF	ETF	46429B663	10,771,535	103,334	SH		SOLE		103,333	0	0
DUKE ENERGY CORP NEW COM NEW	Stock	26441C204	279,287	2,712	SH		SOLE		2,711	0	0
MICRON TECHNOLOGY INC COM	Stock	595112103	420,730	8,418	SH		SOLE		8,417	0	0
CARRIER GLOBAL CORPORATION COM	Stock	14448C104	592,871	14,373	SH		SOLE		14,372	0	0
FREEPORT-MCMORAN INC CL B	Stock	35671D857	237,704	6,255	SH		SOLE		6,255	0	0
JPMORGAN EQUITY PREMIUM INCOME ETF	ETF	46641Q332	15,710,896	288,326	SH		SOLE		288,326	0	0
ROYALTY PHARMA PLC SHS CLASS A	Stock	G7709Q104	1,737,892	43,975	SH		SOLE		43,975	0	0
AMERICAN ELEC PWR CO INC COM	Stock	025537101	1,969,444	20,742	SH		SOLE		20,741	0	0
ISHARES RUSSELL MID-CAP GROWTH ETF	ETF	464287481	1,237,782	14,806	SH		SOLE		14,806	0	0
MARATHON PETE CORP COM	Stock	56585A102	228,720	1,965	SH		SOLE		1,965	0	0
VANGUARD FTSE PACIFIC ETF	ETF	922042866	1,175,826	18,272	SH		SOLE		18,272	0	0
FIRST TRUST CLOUD COMPUTING ETF	ETF	33734X192	417,500	7,247	SH		SOLE		7,247	0	0
VANGUARD SMALL CAP VALUE ETF	ETF	922908611	407,906	2,569	SH		SOLE		2,568	0	0
PALANTIR TECHNOLOGIES INC CL A	Stock	69608A108	64,309	10,017	SH		SOLE		10,017	0	0
REGENERON PHARMACEUTICALS COM	Stock	75886F107	717,161	994	SH		SOLE		994	0	0
AIRBNB INC COM CL A	Stock	009066101	262,143	3,066	SH		SOLE		3,066	0	0
VANGUARD MID-CAP GROWTH ETF	ETF	922908538	609,926	3,393	SH		SOLE		3,393	0	0
WHEELS UP EXPERIENCE INC COM CL A	Stock	96328L106	20,625	20,024	SH		SOLE		20,024	0	0
VISA INC COM CL A	Stock	92826C839	1,883,788	9,067	SH		SOLE		9,067	0	0
HERSHEY CO COM	Stock	427866108	835,833	3,609	SH		SOLE		3,609	0	0
ISHARES CMBS ETF	ETF	46429B366	500,240	10,896	SH		SOLE		10,896	0	0
VANGUARD SMALL-CAP GROWTH ETF	ETF	922908595	373,799	1,864	SH		SOLE		1,863	0	0
VANGUARD VALUE ETF	ETF	922908744	302,918	2,158	SH		SOLE		2,158	0	0
ENPHASE ENERGY INC COM	Stock	29355A107	211,703	799	SH		SOLE		799	0	0
AMERICAN TOWER CORP NEW COM	REIT	03027X100	201,053	949	SH		SOLE		948	0	0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF	ETF	464287150	369,982	4,363	SH		SOLE		4,363	0	0
META PLATFORMS INC CL A	Stock	30303M102	1,309,540	10,882	SH		SOLE		10,882	0	0
SERVICENOW INC COM	Stock	81762P102	701,216	1,806	SH		SOLE		1,806	0	0
PALO ALTO NETWORKS INC COM	Stock	697435105	376,618	2,699	SH		SOLE		2,699	0	0
MONDELEZ INTL INC CL A	Stock	609207105	717,638	10,767	SH		SOLE		10,767	0	0
BROADCOM INC COM	Stock	11135F101	3,852,788	6,891	SH		SOLE		6,890	0	0
EATON VANCE TAX MNGED BUY WRIT COM	CEF	27828X100	136,392	10,372	SH		SOLE		10,372	0	0
D R HORTON INC COM	Stock	23331A109	335,831	3,767	SH		SOLE		3,767	0	0
METLIFE INC COM	Stock	59156R108	202,165	2,793	SH		SOLE		2,793	0	0
MARTIN MARIETTA MATLS INC COM	Stock	573284106	407,618	1,206	SH		SOLE		1,206	0	0
MAGNA INTL INC COM	Stock	559222401	651,661	11,600	SH		SOLE		11,599	0	0
NOVARTIS AG SPONSORED ADR	ADR	66987V109	860,547	9,486	SH		SOLE		9,485	0	0
ISHARES CORE MSCI EAFE ETF	ETF	46432F842	6,555,394	106,350	SH		SOLE		106,349	0	0
KINDER MORGAN INC DEL COM	Stock	49456B101	205,455	11,364	SH		SOLE		11,363	0	0
ACCENTURE PLC IRELAND SHS CLASS A	Stock	G1151C101	856,934	3,211	SH		SOLE		3,211	0	0
MOHAWK INDS INC COM	Stock	608190104	347,855	3,403	SH		SOLE		3,403	0	0
OMNICOM GROUP INC COM	Stock	681919106	246,995	3,028	SH		SOLE		3,028	0	0
SPDR BLOOMBERG INVESTMENT GRADE FLOATING RATE ETF	ETF	78468R200	1,013,993	33,366	SH		SOLE		33,366	0	0
NVIDIA CORPORATION COM	Stock	67066G104	12,460,092	85,261	SH		SOLE		85,261	0	0
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF	ETF	464288646	4,866,336	97,678	SH		SOLE		97,678	0	0
GRAINGER W W INC COM	Stock	384802104	418,481	752	SH		SOLE		752	0	0
ABBVIE INC COM	Stock	00287Y109	1,532,323	9,482	SH		SOLE		9,481	0	0
S&P GLOBAL INC COM	Stock	78409V104	205,917	615	SH		SOLE		614	0	0
SPDR S&P BIOTECH ETF	ETF	78464A870	266,928	3,216	SH		SOLE		3,216	0	0
ISHARES CORE MSCI EMERGING MARKETS ETF	ETF	46434G103	2,299,899	49,248	SH		SOLE		49,248	0	0
VANGUARD TOTAL BOND MARKET ETF	ETF	921937835	1,634,144	22,747	SH		SOLE		22,747	0	0
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND	ETF	922042775	1,575,777	31,428	SH		SOLE		31,427	0	0
ISHARES MSCI EMERGING MARKETS SMALL CAP ETF	ETF	464286475	300,160	6,217	SH		SOLE		6,217	0	0
ZOETIS INC CL A	Stock	98978V103	340,370	2,323	SH		SOLE		2,322	0	0
TRUSTCO BK CORP N Y COM NEW	Stock	898349204	448,374	11,928	SH		SOLE		11,928	0	0
ISHARES RUSSELL 2000 GROWTH ETF	ETF	464287648	781,317	3,642	SH		SOLE		3,642	0	0
BLACKSTONE INC COM	Stock	09260D107	2,721,438	36,682	SH		SOLE		36,682	0	0
CHURCH & DWIGHT CO INC COM	Stock	171340102	5,900,809	73,202	SH		SOLE		73,201	0	0
STRYKER CORPORATION COM	Stock	863667101	853,580	3,491	SH		SOLE		3,491	0	0
QUALCOMM INC COM	Stock	747525103	489,450	4,452	SH		SOLE		4,451	0	0
T-MOBILE US INC COM	Stock	872590104	224,420	1,603	SH		SOLE		1,603	0	0
SPDR BLACKSTONE SENIOR LOAN ETF	ETF	78467V608	332,454	8,128	SH		SOLE		8,128	0	0
GENERAL DYNAMICS CORP COM	Stock	369550108	408,267	1,646	SH		SOLE		1,645	0	0
INTUITIVE SURGICAL INC COM NEW	Stock	46120E602	447,115	1,685	SH		SOLE		1,685	0	0
MCDONALDS CORP COM	Stock	580135101	3,114,530	11,819	SH		SOLE		11,818	0	0
INTERCONTINENTAL EXCHANGE INC COM	Stock	45866F104	443,965	4,328	SH		SOLE		4,327	0	0
CISCO SYS INC COM	Stock	17275R102	3,860,954	81,044	SH		SOLE		81,044	0	0
CAPITAL ONE FINL CORP COM	Stock	14040H105	1,321,565	14,216	SH		SOLE		14,216	0	0
ISHARES RUSSELL MIDCAP ETF	ETF	464287499	876,917	13,001	SH		SOLE		13,001	0	0
ADVANCED MICRO DEVICES INC COM	Stock	007903107	442,621	6,834	SH		SOLE		6,833	0	0
AUTODESK INC COM	Stock	052769106	463,624	2,481	SH		SOLE		2,481	0	0
AT&T INC COM	Stock	00206R102	554,460	30,117	SH		SOLE		30,117	0	0
VANGUARD FINANCIALS ETF	ETF	92204A405	367,818	4,446	SH		SOLE		4,446	0	0
ENERGY SELECT SECTOR SPDR FUND	ETF	81369Y506	9,822,859	112,300	SH		SOLE		112,299	0	0
MATERIALS SELECT SECTOR SPDR FUND	ETF	81369Y100	7,535,907	97,012	SH		SOLE		97,012	0	0
GENERAL ELECTRIC CO COM NEW	Stock	369604301	336,690	4,018	SH		SOLE		4,018	0	0
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF	ETF	464288513	3,597,415	48,858	SH		SOLE		48,858	0	0
ISHARES S&P SMALL-CAP 600 GROWTH ETF	ETF	464287887	222,624	2,060	SH		SOLE		2,060	0	0
INFINERA CORP COM	Stock	45667G103	150,976	22,400	SH		SOLE		22,400	0	0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND	ETF	81369Y407	14,173,676	109,737	SH		SOLE		109,737	0	0
INDUSTRIAL SELECT SECTOR SPDR FUND	ETF	81369Y704	8,847,374	90,086	SH		SOLE		90,086	0	0
BLACKROCK SHORT MATURITY BOND ETF	ETF	46431W507	218,118	4,427	SH		SOLE		4,427	0	0
ISHARES S&P 500 VALUE ETF	ETF	464287408	7,764,971	53,526	SH		SOLE		53,525	0	0
SPDR PORTFOLIO S&P 600 SMALL CAP ETF	ETF	78468R853	279,559	7,562	SH		SOLE		7,561	0	0
ISHARES S&P 500 GROWTH ETF	ETF	464287309	8,850,104	151,284	SH		SOLE		151,283	0	0
ISHARES CORE S&P 500 ETF	ETF	464287200	30,305,084	78,876	SH		SOLE		78,876	0	0
CIGNA CORP NEW COM	Stock	125523100	416,631	1,257	SH		SOLE		1,257	0	0
ONEOK INC NEW COM	Stock	682680103	233,191	3,549	SH		SOLE		3,549	0	0
ISHARES 0-5 YEAR HIGH YIELD CORPORATE BOND ETF	ETF	46434V407	266,951	6,529	SH		SOLE		6,528	0	0
WELLS FARGO CO NEW COM	Stock	949746101	472,675	11,448	SH		SOLE		11,447	0	0
UNION PAC CORP COM	Stock	907818108	11,026,879	53,252	SH		SOLE		53,251	0	0
ISHARES MBS ETF	ETF	464288588	391,869	4,225	SH		SOLE		4,225	0	0
ISHARES PREFERRED & INCOME SECURITIES ETF	ETF	464288687	7,220,899	236,518	SH		SOLE		236,518	0	0
SALESFORCE INC COM	Stock	79466L302	798,457	6,022	SH		SOLE		6,022	0	0
MCCORMICK & CO INC COM NON VTG	Stock	579780206	364,467	4,397	SH		SOLE		4,397	0	0
NORTHROP GRUMMAN CORP COM	Stock	666807102	3,149,554	5,773	SH		SOLE		5,772	0	0
SPDR EURO STOXX 50 ETF	ETF	78463X202	4,705,881	121,599	SH		SOLE		121,599	0	0
THERMO FISHER SCIENTIFIC INC COM	Stock	883556102	748,453	1,359	SH		SOLE		1,359	0	0
VANGUARD MID-CAP VALUE ETF	ETF	922908512	342,428	2,532	SH		SOLE		2,532	0	0
LOCKHEED MARTIN CORP COM	Stock	539830109	541,842	1,114	SH		SOLE		1,113	0	0
JPMORGAN CHASE & CO COM	Stock	46625H100	8,670,442	64,657	SH		SOLE		64,656	0	0
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF	ETF	464288638	1,394,647	28,169	SH		SOLE		28,169	0	0
SPDR PORTFOLIO EMERGING MARKETS ETF	ETF	78463X509	769,022	23,332	SH		SOLE		23,331	0	0
CHEVRON CORP NEW COM	Stock	166764100	6,956,460	38,757	SH		SOLE		38,756	0	0
ISHARES NATIONAL MUNI BOND ETF	ETF	464288414	2,492,057	23,617	SH		SOLE		23,616	0	0
CONOCOPHILLIPS COM	Stock	20825C104	4,191,251	35,519	SH		SOLE		35,519	0	0
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	673,251	16,041	SH		SOLE		16,041	0	0
DANAHER CORPORATION COM	Stock	235851102	6,836,938	25,759	SH		SOLE		25,758	0	0
TJX COS INC NEW COM	Stock	872540109	297,986	3,744	SH		SOLE		3,743	0	0
BANK AMERICA CORP COM	Stock	060505104	2,369,005	71,528	SH		SOLE		71,527	0	0
SPDR S&P DIVIDEND ETF	ETF	78464A763	5,697,486	45,540	SH		SOLE		45,539	0	0
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF	ETF	78464A805	1,000,438	21,155	SH		SOLE		21,155	0	0
WALMART INC COM	Stock	931142103	5,869,829	41,398	SH		SOLE		41,398	0	0
INTERNATIONAL BUSINESS MACHS COM	Stock	459200101	713,772	5,066	SH		SOLE		5,066	0	0
ORACLE CORP COM	Stock	68389X105	595,500	7,285	SH		SOLE		7,285	0	0
RAYTHEON TECHNOLOGIES CORP COM	Stock	75513E101	2,649,125	26,250	SH		SOLE		26,249	0	0
TEXAS INSTRS INC COM	Stock	882508104	10,224,755	61,886	SH		SOLE		61,885	0	0
TARGET CORP COM	Stock	87612E106	445,175	2,987	SH		SOLE		2,986	0	0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF	ETF	921946406	1,672,602	15,457	SH		SOLE		15,457	0	0
PFIZER INC COM	Stock	717081103	3,145,045	61,379	SH		SOLE		61,378	0	0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF	ETF	464287242	3,581,548	33,971	SH		SOLE		33,970	0	0
MORGAN STANLEY COM NEW	Stock	617446448	561,337	6,602	SH		SOLE		6,602	0	0
3M CO COM	Stock	88579Y101	637,627	5,317	SH		SOLE		5,317	0	0
KLA CORP COM NEW	Stock	482480100	825,082	2,188	SH		SOLE		2,188	0	0
GILEAD SCIENCES INC COM	Stock	375558103	454,147	5,290	SH		SOLE		5,290	0	0
CATERPILLAR INC COM	Stock	149123101	1,509,584	6,301	SH		SOLE		6,301	0	0
ALPHABET INC CAP STK CL C	Stock	02079K107	3,482,358	39,247	SH		SOLE		39,246	0	0
AMERICAN EXPRESS CO COM	Stock	025816109	621,502	4,206	SH		SOLE		4,206	0	0
AMGEN INC COM	Stock	031162100	1,006,774	3,833	SH		SOLE		3,833	0	0
APPLIED MATLS INC COM	Stock	038222105	353,127	3,626	SH		SOLE		3,626	0	0
OTIS WORLDWIDE CORP COM	Stock	68902V107	489,670	6,253	SH		SOLE		6,252	0	0
ANALOG DEVICES INC COM	Stock	032654105	372,381	2,270	SH		SOLE		2,270	0	0
HUMANA INC COM	Stock	444859102	272,531	532	SH		SOLE		532	0	0
WILLIAMS COS INC COM	Stock	969457100	320,618	9,745	SH		SOLE		9,745	0	0
INVESCO VARIABLE RATE PREFERRED ETF	ETF	46138G870	395,359	17,658	SH		SOLE		17,657	0	0
CHECK POINT SOFTWARE TECH LTD ORD	Stock	M22465104	4,147,258	32,873	SH		SOLE		32,873	0	0
VANGUARD DIVIDEND APPRECIATION ETF	ETF	921908844	2,178,732	14,348	SH		SOLE		14,347	0	0
ISHARES MSCI EAFE SMALL-CAP ETF	ETF	464288273	1,171,194	20,736	SH		SOLE		20,736	0	0
ISHARES CORE U.S. AGGREGATE BOND ETF	ETF	464287226	838,818	8,648	SH		SOLE		8,648	0	0
EATON CORP PLC SHS	Stock	G29183103	468,415	2,984	SH		SOLE		2,984	0	0
ISHARES CORE MSCI EUROPE ETF	ETF	46434V738	11,277,564	237,422	SH		SOLE		237,422	0	0
ISHARES S&P MID-CAP 400 GROWTH ETF	ETF	464287606	811,199	11,877	SH		SOLE		11,877	0	0
ISHARES S&P MID-CAP 400 VALUE ETF	ETF	464287705	479,203	4,754	SH		SOLE		4,754	0	0
ISHARES INTERMEDIATE GOVERNMENT/CREDIT BOND ETF	ETF	464288612	819,488	7,998	SH		SOLE		7,998	0	0
AXALTA COATING SYS LTD COM	Stock	G0750C108	370,206	14,535	SH		SOLE		14,535	0	0
CORBUS PHARMACEUTICALS HLDGS I COM	Stock	21833P103	1,483	13,420	SH		SOLE		13,420	0	0
VANGUARD SHORT-TERM BOND ETF	ETF	921937827	4,001,042	53,149	SH		SOLE		53,148	0	0
GARTNER INC COM	Stock	366651107	314,627	936	SH		SOLE		936	0	0
SPDR PORTFOLIO S&P 500 GROWTH ETF	ETF	78464A409	3,768,669	74,377	SH		SOLE		74,376	0	0
SPDR PORTFOLIO S&P 500 VALUE ETF	ETF	78464A508	1,153,166	29,652	SH		SOLE		29,652	0	0
PHILIP MORRIS INTL INC COM	Stock	718172109	811,362	8,017	SH		SOLE		8,016	0	0
ROPER TECHNOLOGIES INC COM	Stock	776696106	3,036,533	7,028	SH		SOLE		7,027	0	0
PNC FINL SVCS GROUP INC COM	Stock	693475105	373,470	2,365	SH		SOLE		2,364	0	0
EQUINIX INC COM	REIT	29444U700	213,161	325	SH		SOLE		325	0	0
BRISTOL-MYERS SQUIBB CO COM	Stock	110122108	814,330	11,318	SH		SOLE		11,318	0	0
ISHARES RUSSELL 3000 ETF	ETF	464287689	1,047,242	4,746	SH		SOLE		4,745	0	0
REALTY INCOME CORP COM	REIT	756109104	341,777	5,388	SH		SOLE		5,388	0	0
ALTRIA GROUP INC COM	Stock	02209S103	364,931	7,984	SH		SOLE		7,983	0	0
DOMINION ENERGY INC COM	Stock	25746U109	549,702	8,964	SH		SOLE		8,964	0	0
CITIGROUP INC COM NEW	Stock	172967424	239,150	5,287	SH		SOLE		5,287	0	0
AMERICAN WTR WKS CO INC NEW COM	Stock	030420103	200,181	1,313	SH		SOLE		1,313	0	0
EXXON MOBIL CORP COM	Stock	30231G102	3,355,764	30,424	SH		SOLE		30,423	0	0
UNITEDHEALTH GROUP INC COM	Stock	91324P102	2,414,460	4,554	SH		SOLE		4,554	0	0
PRICE T ROWE GROUP INC COM	Stock	74144T108	392,398	3,598	SH		SOLE		3,598	0	0
TRAVELERS COMPANIES INC COM	Stock	89417E109	248,590	1,326	SH		SOLE		1,325	0	0
LOWES COS INC COM	Stock	548661107	8,150,085	40,906	SH		SOLE		40,905	0	0
ARK INNOVATION ETF	ETF	00214Q104	128,766	4,122	SH		SOLE		4,121	0	0
DEERE & CO COM	Stock	244199105	2,391,750	5,578	SH		SOLE		5,578	0	0
COLGATE PALMOLIVE CO COM	Stock	194162103	316,252	4,014	SH		SOLE		4,013	0	0
AMERICAN INTL GROUP INC COM NEW	Stock	026874784	279,480	4,419	SH		SOLE		4,419	0	0
DEVON ENERGY CORP NEW COM	Stock	25179M103	209,232	3,402	SH		SOLE		3,401	0	0
UTILITIES SELECT SECTOR SPDR FUND	ETF	81369Y886	10,488,390	148,771	SH		SOLE		148,771	0	0
KRAFT HEINZ CO COM	Stock	500754106	1,001,910	24,611	SH		SOLE		24,610	0	0
PAYPAL HLDGS INC COM	Stock	70450Y103	451,179	6,335	SH		SOLE		6,335	0	0
SCHWAB CHARLES CORP COM	Stock	808513105	379,164	4,554	SH		SOLE		4,553	0	0
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF	ETF	78463X889	4,286,943	144,390	SH		SOLE		144,390	0	0
CROWN CASTLE INC COM	REIT	22822V101	339,259	2,501	SH		SOLE		2,501	0	0
BLACKROCK INC COM	Stock	09247X101	710,133	1,002	SH		SOLE		1,002	0	0
ISHARES CORE S&P MID-CAP ETF	ETF	464287507	22,851,555	94,471	SH		SOLE		94,470	0	0
ISHARES MSCI EAFE ETF	ETF	464287465	1,253,896	19,103	SH		SOLE		19,102	0	0
APPLE INC COM	Stock	037833100	24,730,937	190,340	SH		SOLE		190,340	0	0
GOLDMAN SACHS ACTIVEBETA U.S. LARGE CAP EQUITY ETF	ETF	381430503	2,633,565	34,593	SH		SOLE		34,593	0	0
ABBOTT LABS COM	Stock	002824100	7,895,263	71,912	SH		SOLE		71,912	0	0
DISNEY WALT CO COM	Stock	254687106	4,736,044	54,512	SH		SOLE		54,512	0	0
BOOKING HOLDINGS INC COM	Stock	09857L108	253,925	126	SH		SOLE		126	0	0
ISHARES RUSSELL 1000 ETF	ETF	464287622	1,245,015	5,914	SH		SOLE		5,914	0	0
MARSH & MCLENNAN COS INC COM	Stock	571748102	476,102	2,877	SH		SOLE		2,877	0	0
ISHARES RUSSELL 1000 VALUE ETF	ETF	464287598	17,857,210	117,753	SH		SOLE		117,752	0	0