Berger Financial 13F-HR Quarterly holdings report by institutional manager

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

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

FORM 13F INFORMATION TABLE

OMB APPROVAL

OMB Number:		3235-0006
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COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
3M CO	COM	88579Y101	1,031,656	9,437	SH		SOLE		0	0	9,437
ABBOTT LABS	COM	002824100	376,775	3,423	SH		SOLE		0	0	3,423
ABBVIE INC	COM	00287Y109	832,188	5,370	SH		SOLE		0	0	5,370
ABRDN NATL MUN INCOME FD	SH BEN INT	24610T108	362,635	35,518	SH		SOLE		0	0	35,518
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	252,656	720	SH		SOLE		0	0	720
ADOBE INC	COM	00724F101	814,956	1,366	SH		SOLE		0	0	1,366
ADVANCED MICRO DEVICES INC	COM	007903107	450,338	3,055	SH		SOLE		0	0	3,055
ALLSTATE CORP	COM	020002101	276,461	1,975	SH		SOLE		0	0	1,975
ALPHABET INC	CAP STK CL A	02079K305	3,113,851	22,291	SH		SOLE		0	0	22,291
ALPHABET INC	CAP STK CL C	02079K107	2,071,835	14,701	SH		SOLE		0	0	14,701
ALTRIA GROUP INC	COM	02209S103	304,050	7,537	SH		SOLE		0	0	7,537
AMAZON COM INC	COM	023135106	13,220,471	87,011	SH		SOLE		0	0	87,011
AMERICAN EXPRESS CO	COM	025816109	223,914	1,195	SH		SOLE		0	0	1,195
AMGEN INC	COM	031162100	1,304,762	4,530	SH		SOLE		0	0	4,530
AMPLIFY ETF TR	CWP ENHANCED DIV	032108409	529,639	14,491	SH		SOLE		0	0	14,491
APPLE INC	COM	037833100	32,871,618	170,735	SH		SOLE		0	0	170,735
APPLIED MATLS INC	COM	038222105	322,697	1,991	SH		SOLE		0	0	1,991
ARISTA NETWORKS INC	COM	040413106	202,775	861	SH		SOLE		0	0	861
ASSURANT INC	COM	04621X108	5,822,540	34,557	SH		SOLE		0	0	34,557
AT&T INC	COM	00206R102	326,840	19,478	SH		SOLE		0	0	19,478
AUTOZONE INC	COM	053332102	312,859	121	SH		SOLE		0	0	121
BANK AMERICA CORP	7.25%CNV PFD L	060505682	268,778	223	SH		SOLE		0	0	223
BANK AMERICA CORP	COM	060505104	417,389	12,396	SH		SOLE		0	0	12,396
BANK MONTREAL QUE	COM	063671101	824,270	8,331	SH		SOLE		0	0	8,331
BARRICK GOLD CORP	COM	067901108	191,990	10,613	SH		SOLE		0	0	10,613
BECTON DICKINSON & CO	COM	075887109	513,667	2,107	SH		SOLE		0	0	2,107
BEST BUY INC	COM	086516101	229,524	2,932	SH		SOLE		0	0	2,932
BIO-TECHNE CORP	COM	09073M104	3,085,938	39,994	SH		SOLE		0	0	39,994
BLACKSTONE INC	COM	09260D107	258,250	1,973	SH		SOLE		0	0	1,973
BLOCK INC	CL A	852234103	658,868	8,518	SH		SOLE		0	0	8,518
BOEING CO	COM	097023105	4,965,313	19,049	SH		SOLE		0	0	19,049
BOOKING HOLDINGS INC	COM	09857L108	258,948	73	SH		SOLE		0	0	73
BOSTON SCIENTIFIC CORP	COM	101137107	484,333	8,378	SH		SOLE		0	0	8,378
BP PLC	SPONSORED ADR	055622104	214,088	6,048	SH		SOLE		0	0	6,048
BRISTOL-MYERS SQUIBB CO	COM	110122108	290,976	5,671	SH		SOLE		0	0	5,671
BROADCOM INC	COM	11135F101	910,742	816	SH		SOLE		0	0	816
C H ROBINSON WORLDWIDE INC	COM NEW	12541W209	18,873,759	218,472	SH		SOLE		0	0	218,472
CAMDEN PPTY TR	SH BEN INT	133131102	3,888,791	39,166	SH		SOLE		0	0	39,166
CANADIAN IMPERIAL BK COMM TO	COM	136069101	505,182	10,494	SH		SOLE		0	0	10,494
CATERPILLAR INC	COM	149123101	577,121	1,952	SH		SOLE		0	0	1,952
CDW CORP	COM	12514G108	5,375,244	23,646	SH		SOLE		0	0	23,646
CHEMED CORP NEW	COM	16359R103	283,924	486	SH		SOLE		0	0	486
CHENIERE ENERGY INC	COM NEW	16411R208	231,825	1,358	SH		SOLE		0	0	1,358
CHEVRON CORP NEW	COM	166764100	483,045	3,238	SH		SOLE		0	0	3,238
CHURCH & DWIGHT CO INC	COM	171340102	3,606,751	38,142	SH		SOLE		0	0	38,142
CINTAS CORP	COM	172908105	221,924	368	SH		SOLE		0	0	368
CION INVT CORP	COM	17259U204	3,888,192	343,783	SH		SOLE		0	0	343,783
CISCO SYS INC	COM	17275R102	741,680	14,681	SH		SOLE		0	0	14,681
COCA COLA CO	COM	191216100	818,634	13,892	SH		SOLE		0	0	13,892
COGNIZANT TECHNOLOGY SOLUTIO	CL A	192446102	5,396,476	71,448	SH		SOLE		0	0	71,448
COINBASE GLOBAL INC	COM CL A	19260Q107	421,930	2,426	SH		SOLE		0	0	2,426
COLGATE PALMOLIVE CO	COM	194162103	4,979,771	62,474	SH		SOLE		0	0	62,474
COMCAST CORP NEW	CL A	20030N101	5,244,404	119,599	SH		SOLE		0	0	119,599
CONOCOPHILLIPS	COM	20825C104	315,226	2,716	SH		SOLE		0	0	2,716
CONSTELLATION BRANDS INC	CL A	21036P108	361,798	1,497	SH		SOLE		0	0	1,497
COSTCO WHSL CORP NEW	COM	22160K105	9,756,798	14,781	SH		SOLE		0	0	14,781
CROWDSTRIKE HLDGS INC	CL A	22788C105	273,193	1,070	SH		SOLE		0	0	1,070
CSX CORP	COM	126408103	228,009	6,577	SH		SOLE		0	0	6,577
CVS HEALTH CORP	COM	126650100	223,993	2,837	SH		SOLE		0	0	2,837
DANAHER CORPORATION	COM	235851102	582,324	2,517	SH		SOLE		0	0	2,517
DEERE & CO	COM	244199105	325,353	814	SH		SOLE		0	0	814
DELTA AIR LINES INC DEL	COM NEW	247361702	387,196	9,625	SH		SOLE		0	0	9,625
DISNEY WALT CO	COM	254687106	667,871	7,397	SH		SOLE		0	0	7,397
DONALDSON INC	COM	257651109	2,172,349	33,242	SH		SOLE		0	0	33,242
DTE ENERGY CO	COM	233331107	4,381,145	39,735	SH		SOLE		0	0	39,735
ECOLAB INC	COM	278865100	209,656	1,057	SH		SOLE		0	0	1,057
EDWARDS LIFESCIENCES CORP	COM	28176E108	315,980	4,144	SH		SOLE		0	0	4,144
ELECTRONIC ARTS INC	COM	285512109	5,014,127	36,650	SH		SOLE		0	0	36,650
ELEVANCE HEALTH INC	COM	036752103	306,654	650	SH		SOLE		0	0	650
ELI LILLY & CO	COM	532457108	1,604,147	2,752	SH		SOLE		0	0	2,752
ETF MANAGERS TR	ETHO CLIMATE LEA	26924G888	994,793	17,893	SH		SOLE		0	0	17,893
EXPEDITORS INTL WASH INC	COM	302130109	5,301,109	41,675	SH		SOLE		0	0	41,675
EXXON MOBIL CORP	COM	30231G102	904,008	9,042	SH		SOLE		0	0	9,042
F5 INC	COM	315616102	5,526,366	30,877	SH		SOLE		0	0	30,877
FASTENAL CO	COM	311900104	457,897	7,070	SH		SOLE		0	0	7,070
FIDELITY MERRIMACK STR TR	TOTAL BD ETF	316188309	232,150	5,042	SH		SOLE		0	0	5,042
FIRST TR EXCH TRADED FD III	PFD SECS INC ETF	33739E108	1,395,810	82,788	SH		SOLE		0	0	82,788
FIRST TR EXCHANGE-TRADED FD	NAS CLNEDG GREEN	33733E500	251,151	5,956	SH		SOLE		0	0	5,956
FIRST TR EXCHANGE-TRADED FD	FST LOW OPPT EFT	33739Q200	25,947,242	536,988	SH		SOLE		0	0	536,988
FIRST TR EXCHANGE-TRADED FD	NY ARCA BIOTECH	33733E203	19,261,556	121,866	SH		SOLE		0	0	121,866
FIRST TR EXCHNG TRADED FD VI	TCW OPPORTUNIS	33740F805	249,610	5,596	SH		SOLE		0	0	5,596
FIRST TR STOXX EUROPEAN SELE	COMMON SHS	33735T109	259,760	21,520	SH		SOLE		0	0	21,520
FISERV INC	COM	337738108	2,464,182	18,550	SH		SOLE		0	0	18,550
FORD MTR CO DEL	COM	345370860	170,400	13,979	SH		SOLE		0	0	13,979
FRANKLIN ETF TR	SHRT DUR US GOVT	353506108	375,961	4,179	SH		SOLE		0	0	4,179
GARTNER INC	COM	366651107	261,644	580	SH		SOLE		0	0	580
GENERAL ELECTRIC CO	COM NEW	369604301	293,828	2,302	SH		SOLE		0	0	2,302
GENERAL MLS INC	COM	370334104	451,902	6,937	SH		SOLE		0	0	6,937
GENUINE PARTS CO	COM	372460105	4,070,683	29,391	SH		SOLE		0	0	29,391
GLOBAL X FDS	S&P 500 COVERED	37954Y475	1,304,937	33,087	SH		SOLE		0	0	33,087
GOLDMAN SACHS ETF TR	INNOVAT EQ ETF	38149W820	19,938,976	379,851	SH		SOLE		0	0	379,851
GOLDMAN SACHS GROUP INC	COM	38141G104	395,954	1,026	SH		SOLE		0	0	1,026
GRAINGER W W INC	COM	384802104	6,374,316	7,692	SH		SOLE		0	0	7,692
HARTFORD FDS EXCHANGE TRADED	TOTAL RTRN ETF	41653L305	13,301,146	390,865	SH		SOLE		0	0	390,865
HARTFORD FDS EXCHANGE TRADED	CORE BD ETF	41653L701	44,024,256	1,251,959	SH		SOLE		0	0	1,251,959
HARTFORD FINL SVCS GROUP INC	COM	416515104	4,889,307	60,827	SH		SOLE		0	0	60,827
HAWKINS INC	COM	420261109	4,932,076	70,038	SH		SOLE		0	0	70,038
HENRY SCHEIN INC	COM	806407102	4,406,928	58,208	SH		SOLE		0	0	58,208
HEWLETT PACKARD ENTERPRISE C	COM	42824C109	4,838,272	284,939	SH		SOLE		0	0	284,939
HOME DEPOT INC	COM	437076102	8,152,734	23,525	SH		SOLE		0	0	23,525
HONEYWELL INTL INC	COM	438516106	1,007,046	4,802	SH		SOLE		0	0	4,802
HUMANA INC	COM	444859102	4,298,834	9,390	SH		SOLE		0	0	9,390
HUNT J B TRANS SVCS INC	COM	445658107	537,701	2,692	SH		SOLE		0	0	2,692
INCYTE CORP	COM	45337C102	3,796,786	60,468	SH		SOLE		0	0	60,468
INDEPENDENCE RLTY TR INC	COM	45378A106	4,844,072	316,606	SH		SOLE		0	0	316,606
INNOVATOR ETFS TR	EMRGNG MKT APRIL	45782C359	370,166	14,718	SH		SOLE		0	0	14,718
INNOVATOR ETFS TR	INTERNATIONAL DE	45783Y426	1,444,276	55,828	SH		SOLE		0	0	55,828
INNOVATOR ETFS TR	US EQT ULTRA BF	45782C672	3,131,300	101,864	SH		SOLE		0	0	101,864
INNOVATOR ETFS TR	US EQT ULTRA BF	45782C839	300,607	9,921	SH		SOLE		0	0	9,921
INNOVATOR ETFS TR	US EQTY ULTRA B	45782C821	406,144	12,547	SH		SOLE		0	0	12,547
INNOVATOR ETFS TR	US SML CP PWR B	45782C599	284,777	10,348	SH		SOLE		0	0	10,348
INNOVATOR ETFS TR	INTRNL DEV JAN	45782C524	675,387	22,216	SH		SOLE		0	0	22,216
INNOVATOR ETFS TR	INTRNL DEV APRL	45782C367	893,552	34,728	SH		SOLE		0	0	34,728
INNOVATOR ETFS TR	EMRGNG MKT JULY	45782C714	2,902,213	122,819	SH		SOLE		0	0	122,819
INNOVATOR ETFS TR	US EQTY ULTRA B	45782C649	300,442	9,594	SH		SOLE		0	0	9,594
INNOVATOR ETFS TR	US EQT ULTRA BF	45782C375	1,656,883	52,433	SH		SOLE		0	0	52,433
INNOVATOR ETFS TR	US SML CP PWR B	45782C284	2,493,730	92,079	SH		SOLE		0	0	92,079
INNOVATOR ETFS TR	INTERNATIONAL DV	45782C631	838,145	29,998	SH		SOLE		0	0	29,998
INNOVATOR ETFS TR	US EQTY ULTRA B	45782C532	817,180	25,506	SH		SOLE		0	0	25,506
INNOVATOR ETFS TR	US EQT ULTRA BF	45782C730	5,293,410	176,120	SH		SOLE		0	0	176,120
INNOVATOR ETFS TR	INTRNL DEV JULY	45782C722	6,889,290	254,013	SH		SOLE		0	0	254,013
INNOVATOR ETFS TR	US SML CP PWR B	45782C474	206,409	6,016	SH		SOLE		0	0	6,016
INSPIRE MED SYS INC	COM	457730109	326,099	1,603	SH		SOLE		0	0	1,603
INTEL CORP	COM	458140100	820,264	16,324	SH		SOLE		0	0	16,324
INTERNATIONAL BUSINESS MACHS	COM	459200101	6,262,151	38,289	SH		SOLE		0	0	38,289
INTERPUBLIC GROUP COS INC	COM	460690100	4,270,665	130,841	SH		SOLE		0	0	130,841
INTUIT	COM	461202103	2,468,989	3,950	SH		SOLE		0	0	3,950
INTUITIVE SURGICAL INC	COM NEW	46120E602	2,047,438	6,069	SH		SOLE		0	0	6,069
INVESCO EXCH TRADED FD TR II	S&P500 LOW VOL	46138E354	506,043	8,076	SH		SOLE		0	0	8,076
INVESCO EXCH TRD SLF IDX FD	BULSHS 2024 CB	46138J841	3,974,800	190,318	SH		SOLE		0	0	190,318
INVESCO EXCH TRD SLF IDX FD	BULSHS 2027 CB	46138J783	3,103,754	159,535	SH		SOLE		0	0	159,535
INVESCO EXCH TRD SLF IDX FD	BULSHS 2025 CB	46138J825	3,278,472	160,277	SH		SOLE		0	0	160,277
INVESCO EXCH TRD SLF IDX FD	BULSHS 2026 CB	46138J791	2,649,794	137,295	SH		SOLE		0	0	137,295
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	603,901	3,827	SH		SOLE		0	0	3,827
INVESCO EXCHANGE TRADED FD T	S&P MDCP QUALITY	46137V472	282,426	3,184	SH		SOLE		0	0	3,184
INVESCO QQQ TR	UNIT SER 1	46090E103	2,175,025	5,311	SH		SOLE		0	0	5,311
ISHARES TR	1 3 YR TREAS BD	464287457	570,271	6,951	SH		SOLE		0	0	6,951
ISHARES TR	IBOXX INV CP ETF	464287242	993,589	8,979	SH		SOLE		0	0	8,979
ISHARES TR	MSCI INTL QUALTY	46434V456	461,029	12,274	SH		SOLE		0	0	12,274
ISHARES TR	MBS ETF	464288588	259,944	2,763	SH		SOLE		0	0	2,763
ISHARES TR	EAFE GRWTH ETF	464288885	2,429,275	25,083	SH		SOLE		0	0	25,083
ISHARES TR	RUS 1000 VAL ETF	464287598	660,522	3,997	SH		SOLE		0	0	3,997
ISHARES TR	ESG AWRE 1 5 YR	46435G243	291,855	11,922	SH		SOLE		0	0	11,922
ISHARES TR	MSCI EAFE MIN VL	46429B689	343,003	4,947	SH		SOLE		0	0	4,947
ISHARES TR	TIPS BD ETF	464287176	283,362	2,636	SH		SOLE		0	0	2,636
ISHARES TR	CORE S&P MCP ETF	464287507	349,884	1,262	SH		SOLE		0	0	1,262
ISHARES TR	CORE S&P500 ETF	464287200	1,122,961	2,351	SH		SOLE		0	0	2,351
ISHARES TR	S&P 500 GRWT ETF	464287309	930,940	12,396	SH		SOLE		0	0	12,396
ISHARES TR	IBOXX HI YD ETF	464288513	237,161	3,064	SH		SOLE		0	0	3,064
ISHARES TR	EAFE SML CP ETF	464288273	269,614	4,356	SH		SOLE		0	0	4,356
ISHARES TR	JPMORGAN USD EMG	464288281	3,849,994	43,229	SH		SOLE		0	0	43,229
ISHARES TR	MSCI USA MIN VOL	46429B697	1,480,466	18,973	SH		SOLE		0	0	18,973
ISHARES TR	MSCI ACWI EX US	464288240	203,327	3,984	SH		SOLE		0	0	3,984
ISHARES TR	GL CLEAN ENE ETF	464288224	283,883	18,233	SH		SOLE		0	0	18,233
ISHARES TR	USD GRN BOND ETF	46435U440	818,025	17,320	SH		SOLE		0	0	17,320
ISHARES TR	CORE DIV GRWTH	46434V621	203,063	3,773	SH		SOLE		0	0	3,773
ISHARES TR	MSCI EAFE ETF	464287465	638,135	8,469	SH		SOLE		0	0	8,469
ISHARES TR	CORE MSCI EAFE	46432F842	308,063	4,379	SH		SOLE		0	0	4,379
ISHARES TR	CORE S&P SCP ETF	464287804	354,306	3,273	SH		SOLE		0	0	3,273
ISHARES TR	CORE US AGGBD ET	464287226	22,075,119	222,419	SH		SOLE		0	0	222,419
ISHARES TR	20 YR TR BD ETF	464287432	11,195,466	113,223	SH		SOLE		0	0	113,223
ISHARES TR	RUSEL 2500 ETF	46435G268	8,177,992	132,824	SH		SOLE		0	0	132,824
J P MORGAN EXCHANGE TRADED F	INTRNL RES EQT	46641Q134	280,000	4,791	SH		SOLE		0	0	4,791
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT INC	46641Q837	289,836	5,770	SH		SOLE		0	0	5,770
J P MORGAN EXCHANGE TRADED F	EQUITY PREMIUM	46641Q332	393,416	7,156	SH		SOLE		0	0	7,156
J P MORGAN EXCHANGE TRADED F	BETABUILDERS US	46641Q241	45,891,264	986,273	SH		SOLE		0	0	986,273
J P MORGAN EXCHANGE TRADED F	DIV RTN EM EQT	46641Q308	3,035,277	58,047	SH		SOLE		0	0	58,047
JOHNSON & JOHNSON	COM	478160104	1,974,899	12,600	SH		SOLE		0	0	12,600
JPMORGAN CHASE & CO	COM	46625H100	1,007,396	5,922	SH		SOLE		0	0	5,922
KELLANOVA	COM	487836108	3,923,321	70,172	SH		SOLE		0	0	70,172
KIMBERLY-CLARK CORP	COM	494368103	4,487,603	36,932	SH		SOLE		0	0	36,932
KLA CORP	COM NEW	482480100	245,376	422	SH		SOLE		0	0	422
LEGG MASON ETF INVT	FRANKLIN INTL LW	52468L505	339,878	12,288	SH		SOLE		0	0	12,288
LEIDOS HOLDINGS INC	COM	525327102	5,151,651	47,595	SH		SOLE		0	0	47,595
LEXICON PHARMACEUTICALS INC	COM NEW	528872302	16,722	10,929	SH		SOLE		0	0	10,929
LISTED FD TR	ROUNDHILL BALL	53656F417	139,974	12,161	SH		SOLE		0	0	12,161
LOCKHEED MARTIN CORP	COM	539830109	6,661,564	14,698	SH		SOLE		0	0	14,698
LOWES COS INC	COM	548661107	240,454	1,080	SH		SOLE		0	0	1,080
LPL FINL HLDGS INC	COM	50212V100	204,190	897	SH		SOLE		0	0	897
LYONDELLBASELL INDUSTRIES N	SHS - A -	N53745100	4,652,045	48,928	SH		SOLE		0	0	48,928
MASTERCARD INCORPORATED	CL A	57636Q104	7,707,496	18,071	SH		SOLE		0	0	18,071
MCDONALDS CORP	COM	580135101	599,542	2,022	SH		SOLE		0	0	2,022
MCKESSON CORP	COM	58155Q103	213,034	460	SH		SOLE		0	0	460
MEDTRONIC PLC	SHS	G5960L103	2,238,265	27,170	SH		SOLE		0	0	27,170
MERCK & CO INC	COM	58933Y105	5,757,941	52,815	SH		SOLE		0	0	52,815
META PLATFORMS INC	CL A	30303M102	1,113,913	3,147	SH		SOLE		0	0	3,147
METLIFE INC	COM	59156R108	4,457,804	67,410	SH		SOLE		0	0	67,410
MICROSOFT CORP	COM	594918104	14,415,648	38,335	SH		SOLE		0	0	38,335
MOLINA HEALTHCARE INC	COM	60855R100	5,291,024	14,644	SH		SOLE		0	0	14,644
MORGAN STANLEY	COM NEW	617446448	571,823	6,132	SH		SOLE		0	0	6,132
MOTOROLA SOLUTIONS INC	COM NEW	620076307	206,014	658	SH		SOLE		0	0	658
NETAPP INC	COM	64110D104	6,052,497	68,654	SH		SOLE		0	0	68,654
NETFLIX INC	COM	64110L106	940,166	1,931	SH		SOLE		0	0	1,931
NEXTERA ENERGY INC	COM	65339F101	1,325,991	21,831	SH		SOLE		0	0	21,831
NUVEEN PFD & INCOME OPPORTUN	COM	67073B106	196,170	29,019	SH		SOLE		0	0	29,019
NVIDIA CORPORATION	COM	67066G104	5,980,858	12,077	SH		SOLE		0	0	12,077
OPORTUN FINL CORP	COM	68376D104	614,254	157,098	SH		SOLE		0	0	157,098
ORACLE CORP	COM	68389X105	764,916	7,255	SH		SOLE		0	0	7,255
PACER FDS TR	US CASH COWS 100	69374H881	441,862	8,499	SH		SOLE		0	0	8,499
PALO ALTO NETWORKS INC	COM	697435105	331,446	1,124	SH		SOLE		0	0	1,124
PARKER-HANNIFIN CORP	COM	701094104	234,497	509	SH		SOLE		0	0	509
PAYPAL HLDGS INC	COM	70450Y103	222,059	3,616	SH		SOLE		0	0	3,616
PEPSICO INC	COM	713448108	1,046,347	6,161	SH		SOLE		0	0	6,161
PFIZER INC	COM	717081103	714,336	24,812	SH		SOLE		0	0	24,812
PGIM ETF TR	PGIM ULTRA SH BD	69344A107	271,144	5,490	SH		SOLE		0	0	5,490
PGIM ETF TR	JENNISON FOC GWT	69344A875	48,316,473	668,469	SH		SOLE		0	0	668,469
PHILIP MORRIS INTL INC	COM	718172109	381,461	4,055	SH		SOLE		0	0	4,055
PHILLIPS 66	COM	718546104	6,016,239	45,187	SH		SOLE		0	0	45,187
PRINCIPAL EXCHANGE TRADED FD	SPECTRUM PFD	74255Y888	24,292,644	1,387,358	SH		SOLE		0	0	1,387,358
PROCTER AND GAMBLE CO	COM	742718109	1,107,321	7,556	SH		SOLE		0	0	7,556
PRUDENTIAL FINL INC	COM	744320102	4,868,813	46,946	SH		SOLE		0	0	46,946
PUBLIC STORAGE	COM	74460D109	595,675	1,953	SH		SOLE		0	0	1,953
QUALCOMM INC	COM	747525103	441,819	3,055	SH		SOLE		0	0	3,055
REALTY INCOME CORP	COM	756109104	217,318	3,785	SH		SOLE		0	0	3,785
REGENERON PHARMACEUTICALS	COM	75886F107	288,958	329	SH		SOLE		0	0	329
ROYAL CARIBBEAN GROUP	COM	V7780T103	496,336	3,833	SH		SOLE		0	0	3,833
SALESFORCE INC	COM	79466L302	462,601	1,758	SH		SOLE		0	0	1,758
SCHWAB CHARLES CORP	COM	808513105	338,195	4,916	SH		SOLE		0	0	4,916
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	32,081,588	386,712	SH		SOLE		0	0	386,712
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	29,017,761	381,161	SH		SOLE		0	0	381,161
SCHWAB STRATEGIC TR	SHT TM US TRES	808524862	240,785	4,970	SH		SOLE		0	0	4,970
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	234,115	4,485	SH		SOLE		0	0	4,485
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	237,349	9,574	SH		SOLE		0	0	9,574
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	568,021	8,103	SH		SOLE		0	0	8,103
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	9,802,122	207,496	SH		SOLE		0	0	207,496
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	6,661,494	88,443	SH		SOLE		0	0	88,443
SCHWAB STRATEGIC TR	SCHWB FDT INT LG	808524755	427,562	12,676	SH		SOLE		0	0	12,676
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	9,849,202	266,483	SH		SOLE		0	0	266,483
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	36,515,321	647,435	SH		SOLE		0	0	647,435
SELECT SECTOR SPDR TR	SBI INT-UTILS	81369Y886	239,950	3,789	SH		SOLE		0	0	3,789
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	341,496	2,504	SH		SOLE		0	0	2,504
SELECT SECTOR SPDR TR	SBI CONS STPLS	81369Y308	224,878	3,122	SH		SOLE		0	0	3,122
SELECT SECTOR SPDR TR	SBI CONS DISCR	81369Y407	317,209	1,774	SH		SOLE		0	0	1,774
SELECT SECTOR SPDR TR	ENERGY	81369Y506	546,704	6,521	SH		SOLE		0	0	6,521
SELECT SECTOR SPDR TR	INDL	81369Y704	395,090	3,466	SH		SOLE		0	0	3,466
SIRIUS XM HOLDINGS INC	COM	82968B103	59,577	10,892	SH		SOLE		0	0	10,892
SOUTHERN CO	COM	842587107	452,274	6,450	SH		SOLE		0	0	6,450
SOUTHERN COPPER CORP	COM	84265V105	206,603	2,400	SH		SOLE		0	0	2,400
SPDR GOLD TR	GOLD SHS	78463V107	477,352	2,497	SH		SOLE		0	0	2,497
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	7,706,436	226,593	SH		SOLE		0	0	226,593
SPDR INDEX SHS FDS	S&P INTL SMLCP	78463X871	244,155	7,687	SH		SOLE		0	0	7,687
SPDR S&P 500 ETF TR	TR UNIT	78462F103	4,760,053	10,015	SH		SOLE		0	0	10,015
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	815,346	1,607	SH		SOLE		0	0	1,607
SPDR SER TR	PORTFOLI S&P1500	78464A805	911,687	15,598	SH		SOLE		0	0	15,598
SPDR SER TR	BBG CONV SEC ETF	78464A359	288,984	4,005	SH		SOLE		0	0	4,005
SPDR SER TR	S&P DIVID ETF	78464A763	371,682	2,974	SH		SOLE		0	0	2,974
STARBUCKS CORP	COM	855244109	588,495	6,130	SH		SOLE		0	0	6,130
STRATEGY SHS	NS 7HANDL IDX	86280R506	6,300,871	304,684	SH		SOLE		0	0	304,684
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	346,528	3,332	SH		SOLE		0	0	3,332
TARGET CORP	COM	87612E106	682,212	4,790	SH		SOLE		0	0	4,790
TE CONNECTIVITY LTD	SHS	H84989104	5,106,845	36,348	SH		SOLE		0	0	36,348
TESLA INC	COM	88160R101	2,626,852	10,572	SH		SOLE		0	0	10,572
TEXAS INSTRS INC	COM	882508104	4,637,174	27,204	SH		SOLE		0	0	27,204
THERMO FISHER SCIENTIFIC INC	COM	883556102	2,826,293	5,325	SH		SOLE		0	0	5,325
TORONTO DOMINION BK ONT	COM NEW	891160509	301,453	4,665	SH		SOLE		0	0	4,665
TOYOTA MOTOR CORP	ADS	892331307	309,179	1,686	SH		SOLE		0	0	1,686
TRACTOR SUPPLY CO	COM	892356106	216,751	1,008	SH		SOLE		0	0	1,008
TRAVELERS COMPANIES INC	COM	89417E109	4,975,141	26,118	SH		SOLE		0	0	26,118
UNITEDHEALTH GROUP INC	COM	91324P102	10,947,307	20,794	SH		SOLE		0	0	20,794
US BANCORP DEL	COM NEW	902973304	364,797	8,429	SH		SOLE		0	0	8,429
VALERO ENERGY CORP	COM	91913Y100	4,536,501	34,896	SH		SOLE		0	0	34,896
VANECK ETF TRUST	MRNGSTR WDE MOAT	92189F643	428,803	5,052	SH		SOLE		0	0	5,052
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	364,127	4,728	SH		SOLE		0	0	4,728
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	2,044,985	27,804	SH		SOLE		0	0	27,804
VANGUARD CHARLOTTE FDS	TOTAL INT BD ETF	92203J407	590,603	11,964	SH		SOLE		0	0	11,964
VANGUARD INDEX FDS	MID CAP ETF	922908629	378,986	1,629	SH		SOLE		0	0	1,629
VANGUARD INDEX FDS	VALUE ETF	922908744	2,502,539	16,739	SH		SOLE		0	0	16,739
VANGUARD INDEX FDS	SMALL CP ETF	922908751	2,797,176	13,112	SH		SOLE		0	0	13,112
VANGUARD INDEX FDS	EXTEND MKT ETF	922908652	261,264	1,589	SH		SOLE		0	0	1,589
VANGUARD INDEX FDS	GROWTH ETF	922908736	9,819,291	31,585	SH		SOLE		0	0	31,585
VANGUARD INDEX FDS	LARGE CAP ETF	922908637	1,282,941	5,881	SH		SOLE		0	0	5,881
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	8,424,064	19,286	SH		SOLE		0	0	19,286
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	8,948,598	217,727	SH		SOLE		0	0	217,727
VANGUARD INTL EQUITY INDEX F	FTSE EUROPE ETF	922042874	261,471	4,055	SH		SOLE		0	0	4,055
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	442,132	9,310	SH		SOLE		0	0	9,310
VANGUARD SCOTTSDALE FDS	SHORT TERM TREAS	92206C102	263,652	4,520	SH		SOLE		0	0	4,520
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	368,987	4,540	SH		SOLE		0	0	4,540
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	800,076	10,341	SH		SOLE		0	0	10,341
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	293,860	1,725	SH		SOLE		0	0	1,725
VANGUARD STAR FDS	VG TL INTL STK F	921909768	621,716	10,727	SH		SOLE		0	0	10,727
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	5,290,740	110,454	SH		SOLE		0	0	110,454
VANGUARD WHITEHALL FDS	EM MK GOV BD ETF	921946885	241,103	3,782	SH		SOLE		0	0	3,782
VANGUARD WORLD FD	MEGA CAP VAL ETF	921910840	568,797	5,201	SH		SOLE		0	0	5,201
VANGUARD WORLD FD	MEGA CAP INDEX	921910873	346,985	2,050	SH		SOLE		0	0	2,050
VANGUARD WORLD FDS	INF TECH ETF	92204A702	1,001,880	2,070	SH		SOLE		0	0	2,070
VANGUARD WORLD FDS	HEALTH CAR ETF	92204A504	329,170	1,313	SH		SOLE		0	0	1,313
VANGUARD WORLD FDS	FINANCIALS ETF	92204A405	356,216	3,861	SH		SOLE		0	0	3,861
VECTOR GROUP LTD	COM	92240M108	274,618	24,346	SH		SOLE		0	0	24,346
VERIZON COMMUNICATIONS INC	COM	92343V104	379,900	10,077	SH		SOLE		0	0	10,077
VISA INC	COM CL A	92826C839	7,700,382	29,577	SH		SOLE		0	0	29,577
WALMART INC	COM	931142103	5,594,951	35,490	SH		SOLE		0	0	35,490
WASTE MGMT INC DEL	COM	94106L109	260,623	1,455	SH		SOLE		0	0	1,455
WELLS FARGO CO NEW	PERP PFD CNV A	949746804	264,233	221	SH		SOLE		0	0	221
WELLS FARGO CO NEW	COM	949746101	333,208	6,770	SH		SOLE		0	0	6,770
WISDOMTREE TR	EMG MKTS SMCAP	97717W281	253,030	5,069	SH		SOLE		0	0	5,069
WISDOMTREE TR	US LARGECAP FUND	97717W588	408,989	8,161	SH		SOLE		0	0	8,161
WISDOMTREE TR	US SMALLCAP FUND	97717W562	347,047	6,966	SH		SOLE		0	0	6,966
WISDOMTREE TR	US LARGECAP DIVD	97717W307	2,427,420	36,569	SH		SOLE		0	0	36,569
WISDOMTREE TR	US SMALLCAP DIVD	97717W604	259,387	8,063	SH		SOLE		0	0	8,063
WISDOMTREE TR	INTL SMCAP DIV	97717W760	265,598	4,160	SH		SOLE		0	0	4,160
WK KELLOGG CO	COM SHS	92942W107	188,663	14,358	SH		SOLE		0	0	14,358
WOLVERINE WORLD WIDE INC	COM	978097103	204,470	23,000	SH		SOLE		0	0	23,000
WP CAREY INC	COM	92936U109	425,411	6,564	SH		SOLE		0	0	6,564
XCEL ENERGY INC	COM	98389B100	1,608,320	25,978	SH		SOLE		0	0	25,978
ZOETIS INC	CL A	98978V103	281,812	1,428	SH		SOLE		0	0	1,428