Essential Planning 13F-HR Quarterly holdings report by institutional manager

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

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

FORM 13F INFORMATION TABLE

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COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
3M CO	COM	88579Y101	4,526,787	34,483	SH		SOLE		34,483	0	0
ABBOTT LABS	COM	002824100	510,676	4,420	SH		SOLE		4,420	0	0
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	2,591,400	7,202	SH		SOLE		7,202	0	0
ADOBE INC	COM	00724F101	7,903,920	15,953	SH		SOLE		15,953	0	0
ADVANSIX INC	COM	00773T101	275,209	9,100	SH		SOLE		9,100	0	0
AIM ETF PRODUCTS TRUST	U S LRGCP 6M APR	00888H877	3,236,660	100,752	SH		SOLE		100,752	0	0
AIRBNB INC	COM CL A	009066101	386,738	2,877	SH		SOLE		2,877	0	0
ALLIANT ENERGY CORP	COM	018802108	9,167,222	151,645	SH		SOLE		151,645	0	0
ALLSTATE CORP	COM	020002101	6,356,910	32,760	SH		SOLE		32,760	0	0
ALPHABET INC	CAP STK CL A	02079K305	26,655,861	152,362	SH		SOLE		152,362	0	0
ALTRIA GROUP INC	COM	02209S103	7,127,018	133,900	SH		SOLE		133,900	0	0
AMAZON COM INC	COM	023135106	4,661,952	22,823	SH		SOLE		22,823	0	0
AMERICAN ELEC PWR CO INC	COM	025537101	2,066,519	21,340	SH		SOLE		21,340	0	0
ANAVEX LIFE SCIENCES CORP	COM NEW	032797300	3,251,299	413,088	SH		SOLE		413,088	0	0
APPLE INC	COM	037833100	62,089,113	263,269	SH		SOLE		263,269	0	0
APPLIED MATLS INC	COM	038222105	3,755,329	20,683	SH		SOLE		20,683	0	0
ARISTA NETWORKS INC	COM SHS	040413205	221,060	2,000	SH		SOLE		2,000	0	0
AT&T INC	COM	00206R102	17,030,355	756,996	SH		SOLE		756,996	0	0
ATAI LIFE SCIENCES NV	SHS	N0731H103	111,922	84,370	SH		SOLE		84,370	0	0
ATLASSIAN CORPORATION	CL A	049468101	6,666,376	29,250	SH		SOLE		29,250	0	0
AUTOZONE INC	COM	053332102	205,791	65	SH		SOLE		65	0	0
AVIS BUDGET GROUP	COM	053774105	390,935	4,290	SH		SOLE		4,290	0	0
BANK AMERICA CORP	COM	060505104	1,738,978	39,585	SH		SOLE		39,585	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	68,825,851	149,093	SH		SOLE		149,093	0	0
BOEING CO	COM	097023105	406,283	2,577	SH		SOLE		2,577	0	0
BOSTON BEER INC	CL A	100557107	646,944	2,145	SH		SOLE		2,145	0	0
BP PLC	SPONSORED ADR	055622104	977,120	32,500	SH		SOLE		32,500	0	0
BRISTOL-MYERS SQUIBB CO	COM	110122108	384,393	6,870	SH		SOLE		6,870	0	0
BROADCOM INC	COM	11135F101	5,721,400	30,930	SH		SOLE		30,930	0	0
CALAMOS STRATEGIC TOTAL RETU	COM SH BEN INT	128125101	915,972	51,415	SH		SOLE		51,415	0	0
CAPITAL ONE FINL CORP	COM	14040H105	2,015,347	11,682	SH		SOLE		11,682	0	0
CARRIER GLOBAL CORPORATION	COM	14448C104	790,157	10,465	SH		SOLE		10,465	0	0
CATERPILLAR INC	COM	149123101	655,499	1,690	SH		SOLE		1,690	0	0
CHEVRON CORP NEW	COM	166764100	5,897,539	38,597	SH		SOLE		38,597	0	0
CISCO SYS INC	COM	17275R102	3,750,064	65,721	SH		SOLE		65,721	0	0
CITIGROUP INC	COM NEW	172967424	638,910	9,490	SH		SOLE		9,490	0	0
CITIZENS FINL GROUP INC	COM	174610105	574,184	13,000	SH		SOLE		13,000	0	0
CLOROX CO DEL	COM	189054109	515,222	3,150	SH		SOLE		3,150	0	0
CME GROUP INC	COM	12572Q105	224,070	975	SH		SOLE		975	0	0
COCA COLA CO	COM	191216100	10,231,863	156,515	SH		SOLE		156,515	0	0
COHEN & STEERS INFRASTRUCTUR	COM	19248A109	1,597,167	63,505	SH		SOLE		63,505	0	0
COLGATE PALMOLIVE CO	COM	194162103	2,900,547	30,355	SH		SOLE		30,355	0	0
COMCAST CORP NEW	CL A	20030N101	6,750,243	162,638	SH		SOLE		162,638	0	0
COMPASS PATHWAYS PLC	SPONSORED ADS	20451W101	93,619	18,395	SH		SOLE		18,395	0	0
CONSOLIDATED EDISON INC	COM	209115104	6,673,345	67,709	SH		SOLE		67,709	0	0
CONSTELLATION ENERGY CORP	COM	21037T109	535,219	2,145	SH		SOLE		2,145	0	0
CORNING INC	COM	219350105	393,816	8,400	SH		SOLE		8,400	0	0
COSTAMARE INC	SHS	Y1771G102	1,717,526	124,005	SH		SOLE		124,005	0	0
COSTCO WHSL CORP NEW	COM	22160K105	588,603	634	SH		SOLE		634	0	0
CRH PLC	ORD	G25508105	2,171,179	22,640	SH		SOLE		22,640	0	0
CVS HEALTH CORP	COM	126650100	4,115,318	72,125	SH		SOLE		72,125	0	0
CYBIN INC	COM NEW	23256X407	158,119	15,600	SH		SOLE		15,600	0	0
DEERE & CO	COM	244199105	2,819,130	6,695	SH		SOLE		6,695	0	0
DIAGEO PLC	SPON ADR NEW	25243Q205	745,435	5,850	SH		SOLE		5,850	0	0
DIMENSIONAL ETF TRUST	CORE FIXED INCOM	25434V872	486,696,553	11,557,175	SH		SOLE		11,557,175	0	0
DIMENSIONAL ETF TRUST	EMERGING MKTS CO	25434V732	9,134,513	337,001	SH		SOLE		337,001	0	0
DIMENSIONAL ETF TRUST	EMGR CRE EQT MNG	25434V302	411,482,802	15,544,324	SH		SOLE		15,544,324	0	0
DIMENSIONAL ETF TRUST	GLOBAL REAL EST	25434V658	2,323,673	85,080	SH		SOLE		85,080	0	0
DIMENSIONAL ETF TRUST	INFLATION PROTE	25434V856	2,158,680	52,393	SH		SOLE		52,393	0	0
DIMENSIONAL ETF TRUST	INTL CORE EQT MK	25434V203	979,473,120	32,285,828	SH		SOLE		32,285,828	0	0
DIMENSIONAL ETF TRUST	INTL CORE EQUITY	25434V799	22,145,598	827,793	SH		SOLE		827,793	0	0
DIMENSIONAL ETF TRUST	SHORT DURATION F	25434V864	197,211,534	4,168,547	SH		SOLE		4,168,547	0	0
DIMENSIONAL ETF TRUST	ULTRASHORT FIXED	25434V591	5,324,208	104,952	SH		SOLE		104,952	0	0
DIMENSIONAL ETF TRUST	US CORE EQT MKT	25434V104	3,177,525,300	77,812,926	SH		SOLE		77,812,926	0	0
DIMENSIONAL ETF TRUST	US CORE EQUITY 1	25434V625	46,740,386	717,679	SH		SOLE		717,679	0	0
DIMENSIONAL ETF TRUST	US CORE EQUITY 2	25434V708	138,755,438	3,940,670	SH		SOLE		3,940,670	0	0
DIMENSIONAL ETF TRUST	US EQUITY MARKET	25434V401	34,333,232	535,720	SH		SOLE		535,720	0	0
DIMENSIONAL ETF TRUST	US MKTWIDE VALUE	25434V724	16,626,485	391,833	SH		SOLE		391,833	0	0
DIMENSIONAL ETF TRUST	US REAL ESTATE E	25434V823	16,791,864	677,870	SH		SOLE		677,870	0	0
DIMENSIONAL ETF TRUST	US SMALL CAP VAL	25434V815	31,857,090	1,006,520	SH		SOLE		1,006,520	0	0
DIMENSIONAL ETF TRUST	US TARGETED VLU	25434V609	610,782	10,668	SH		SOLE		10,668	0	0
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	15,050,748	581,400	SH		SOLE		581,400	0	0
DISCOVER FINL SVCS	COM	254709108	4,513,044	27,560	SH		SOLE		27,560	0	0
DISNEY WALT CO	COM	254687106	5,932,437	56,566	SH		SOLE		56,566	0	0
DNP SELECT INCOME FD INC	COM	23325P104	1,439,812	152,750	SH		SOLE		152,750	0	0
DOMINION ENERGY INC	COM	25746U109	5,563,110	97,500	SH		SOLE		97,500	0	0
DOUBLELINE ETF TRUST	OPPORTUNISTIC BD	25861R105	89,468,180	1,944,507	SH		SOLE		1,944,507	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	1,807,731	15,850	SH		SOLE		15,850	0	0
EATON VANCE ENHANCED EQUITY	COM	278277108	346,509	15,456	SH		SOLE		15,456	0	0
EATON VANCE TAX-MANAGED DIVE	COM	27828N102	3,383,870	227,500	SH		SOLE		227,500	0	0
ELI LILLY & CO	COM	532457108	593,543,556	716,081	SH		SOLE		716,081	0	0
EMERSON ELEC CO	COM	291011104	1,645,208	13,585	SH		SOLE		13,585	0	0
ENBRIDGE INC	COM	29250N105	1,068,839	25,545	SH		SOLE		25,545	0	0
ENCOMPASS HEALTH CORP	COM	29261A100	2,258,644	23,010	SH		SOLE		23,010	0	0
EOG RES INC	COM	26875P101	1,660,000	13,000	SH		SOLE		13,000	0	0
EVERSOURCE ENERGY	COM	30040W108	1,533,613	24,570	SH		SOLE		24,570	0	0
EXELON CORP	COM	30161N101	252,326	6,500	SH		SOLE		6,500	0	0
EXXON MOBIL CORP	COM	30231G102	13,286,757	113,322	SH		SOLE		113,322	0	0
FIDELITY COVINGTON TRUST	MSCI RL EST ETF	316092857	227,231,216	7,939,810	SH		SOLE		7,939,810	0	0
FIDELITY MERRIMACK STR TR	TOTAL BD ETF	316188309	26,030,200	570,265	SH		SOLE		570,265	0	0
FIRST TR EXCHANGE TRADED FD	CLOUD COMPUTING	33734X192	2,436,066	21,190	SH		SOLE		21,190	0	0
FIRST TR EXCHANGE TRADED FD	NASDAQ CYB ETF	33734X846	432,301	7,030	SH		SOLE		7,030	0	0
FIRST TR EXCHANGE-TRADED FD	DORSEY WRT 5 ETF	33738R605	5,837,558	97,500	SH		SOLE		97,500	0	0
FIRST TR EXCHANGE-TRADED FD	RISNG DIVD ACHIV	33738R506	1,340,646	22,200	SH		SOLE		22,200	0	0
FISERV INC	COM	337738108	238,408	1,170	SH		SOLE		1,170	0	0
FORD MTR CO	COM	345370860	917,652	86,060	SH		SOLE		86,060	0	0
FORTUNE BRANDS INNOVATIONS I	COM	34964C106	822,813	10,270	SH		SOLE		10,270	0	0
GE AEROSPACE	COM NEW	369604301	5,061,333	28,340	SH		SOLE		28,340	0	0
GE HEALTHCARE TECHNOLOGIES I	COMMON STOCK	36266G107	792,640	9,306	SH		SOLE		9,306	0	0
GE VERNOVA INC	COM	36828A101	2,155,868	6,919	SH		SOLE		6,919	0	0
GENERAL DYNAMICS CORP	COM	369550108	3,127,749	10,855	SH		SOLE		10,855	0	0
GENERAL MLS INC	COM	370334104	594,624	8,700	SH		SOLE		8,700	0	0
GITLAB INC	CLASS A COM	37637K108	3,026,000	52,000	SH		SOLE		52,000	0	0
GLOBAL X FDS	NASDAQ 100 COVER	37954Y483	516,214	28,275	SH		SOLE		28,275	0	0
GOLDMAN SACHS ETF TR	ACTIVEBETA US LG	381430503	4,984,257	43,096	SH		SOLE		43,096	0	0
GOLDMAN SACHS GROUP INC	COM	38141G104	533,865	1,000	SH		SOLE		1,000	0	0
GRAPHIC PACKAGING HLDG CO	COM	388689101	8,341,055	288,340	SH		SOLE		288,340	0	0
HENRY SCHEIN INC	COM	806407102	933,830	13,000	SH		SOLE		13,000	0	0
HEWLETT PACKARD ENTERPRISE C	COM	42824C109	252,359	11,960	SH		SOLE		11,960	0	0
HOME DEPOT INC	COM	437076102	1,624,210	3,976	SH		SOLE		3,976	0	0
HONEYWELL INTL INC	COM	438516106	25,402,378	114,920	SH		SOLE		114,920	0	0
HP INC	COM	40434L105	429,971	11,960	SH		SOLE		11,960	0	0
HUNTINGTON INGALLS INDS INC	COM	446413106	2,818,442	13,000	SH		SOLE		13,000	0	0
ILLINOIS TOOL WKS INC	COM	452308109	7,278,771	27,444	SH		SOLE		27,444	0	0
INCYTE CORP	COM	45337C102	703,215	9,880	SH		SOLE		9,880	0	0
INDEPENDENCE RLTY TR INC	COM	45378A106	264,429	13,110	SH		SOLE		13,110	0	0
INGERSOLL RAND INC	COM	45687V106	3,066,738	30,810	SH		SOLE		30,810	0	0
INTEL CORP	COM	458140100	2,374,057	103,988	SH		SOLE		103,988	0	0
INTERCONTINENTAL EXCHANGE IN	COM	45866F104	236,853	1,495	SH		SOLE		1,495	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	3,331,618	14,950	SH		SOLE		14,950	0	0
INTUITIVE SURGICAL INC	COM NEW	46120E602	4,282,314	8,230	SH		SOLE		8,230	0	0
INVESCO DB COMMDY INDX TRCK	UNIT	46138B103	514,981	23,075	SH		SOLE		23,075	0	0
INVESCO EXCH TRADED FD TR II	S&P GBL WATER	46138E263	3,431,026	58,500	SH		SOLE		58,500	0	0
INVESCO EXCH TRADED FD TR II	S&P500 LOW VOL	46138E354	2,935,196	40,690	SH		SOLE		40,690	0	0
INVESCO EXCH TRD SLF IDX FD	INVT GRD DEFSV	46139W502	383,755	15,730	SH		SOLE		15,730	0	0
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	708,780	4,000	SH		SOLE		4,000	0	0
IONIS PHARMACEUTICALS INC	COM	462222100	428,075	11,440	SH		SOLE		11,440	0	0
ISHARES INC	CORE MSCI EMKT	46434G103	10,453,817	189,457	SH		SOLE		189,457	0	0
ISHARES INC	ESG AWR MSCI EM	46434G863	6,739,954	190,898	SH		SOLE		190,898	0	0
ISHARES TR	1 3 YR TREAS BD	464287457	201,794,212	2,454,066	SH		SOLE		2,454,066	0	0
ISHARES TR	AGGRES ALLOC ETF	464289859	5,782,919	73,855	SH		SOLE		73,855	0	0
ISHARES TR	CORE MSCI EAFE	46432F842	1,225,552	16,596	SH		SOLE		16,596	0	0
ISHARES TR	CORE MSCI TOTAL	46432F834	46,774,677	673,400	SH		SOLE		673,400	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	3,326,446	51,897	SH		SOLE		51,897	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	2,441,979	20,449	SH		SOLE		20,449	0	0
ISHARES TR	CORE S&P TTL STK	464287150	14,853,630	115,074	SH		SOLE		115,074	0	0
ISHARES TR	CORE S&P500 ETF	464287200	375,630,979	634,886	SH		SOLE		634,886	0	0
ISHARES TR	CORE TOTAL USD	46434V613	74,477,879	1,621,888	SH		SOLE		1,621,888	0	0
ISHARES TR	CORE US AGGBD ET	464287226	14,139,854	143,528	SH		SOLE		143,528	0	0
ISHARES TR	DOW JONES US ETF	464287846	3,924,907	27,300	SH		SOLE		27,300	0	0
ISHARES TR	ESG ADV TTL USD	46436E619	37,882,981	877,100	SH		SOLE		877,100	0	0
ISHARES TR	ESG AW MSCI EAFE	46435G516	7,020,562	88,110	SH		SOLE		88,110	0	0
ISHARES TR	ESG AWRE 1 5 YR	46435G243	11,105,057	446,935	SH		SOLE		446,935	0	0
ISHARES TR	EXPONENTIAL TECH	46434V381	988,004	16,250	SH		SOLE		16,250	0	0
ISHARES TR	GL TIMB FORE ETF	464288174	2,410,752	29,900	SH		SOLE		29,900	0	0
ISHARES TR	GRWT ALLOCAT ETF	464289867	3,634,837	62,064	SH		SOLE		62,064	0	0
ISHARES TR	IBONDS 25 TRM TS	46436E866	197,405,929	8,462,892	SH		SOLE		8,462,892	0	0
ISHARES TR	IBONDS 26 TRM TS	46436E858	78,223,482	3,425,586	SH		SOLE		3,425,586	0	0
ISHARES TR	IBONDS 27 TRM TS	46436E841	19,341,382	867,746	SH		SOLE		867,746	0	0
ISHARES TR	IBONDS 28 TRM TS	46436E833	11,025,655	500,007	SH		SOLE		500,007	0	0
ISHARES TR	ISHS 1-5YR INVS	464288646	2,996,495	57,631	SH		SOLE		57,631	0	0
ISHARES TR	ISHS 5-10YR INVT	464288638	2,846,005	54,156	SH		SOLE		54,156	0	0
ISHARES TR	MBS ETF	464288588	308,456,597	3,311,529	SH		SOLE		3,311,529	0	0
ISHARES TR	MRGSTR MD CP GRW	464288307	2,892,420	37,830	SH		SOLE		37,830	0	0
ISHARES TR	MSCI EAFE ETF	464287465	5,172,781	65,260	SH		SOLE		65,260	0	0
ISHARES TR	MSCI KLD400 SOC	464288570	26,080,109	233,601	SH		SOLE		233,601	0	0
ISHARES TR	MSCI USA QLT FCT	46432F339	2,703,191	14,885	SH		SOLE		14,885	0	0
ISHARES TR	MSCI USA VALUE	46432F388	500,608	4,550	SH		SOLE		4,550	0	0
ISHARES TR	NATIONAL MUN ETF	464288414	11,633,755	108,265	SH		SOLE		108,265	0	0
ISHARES TR	PFD AND INCM SEC	464288687	672,935	20,605	SH		SOLE		20,605	0	0
ISHARES TR	RUS 1000 GRW ETF	464287614	8,369,395	21,336	SH		SOLE		21,336	0	0
ISHARES TR	RUS 1000 VAL ETF	464287598	8,275,932	43,163	SH		SOLE		43,163	0	0
ISHARES TR	RUS 2000 GRW ETF	464287648	1,058,382	3,580	SH		SOLE		3,580	0	0
ISHARES TR	RUS 2000 VAL ETF	464287630	755,300	4,470	SH		SOLE		4,470	0	0
ISHARES TR	RUS MID CAP ETF	464287499	441,350	5,000	SH		SOLE		5,000	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	4,073,702	17,875	SH		SOLE		17,875	0	0
ISHARES TR	S&P 500 GRWT ETF	464287309	5,566,166	55,832	SH		SOLE		55,832	0	0
ISHARES TR	S&P 500 VAL ETF	464287408	3,637,437	18,344	SH		SOLE		18,344	0	0
ISHARES TR	S&P SML 600 GWT	464287887	31,851,181	225,170	SH		SOLE		225,170	0	0
ISHARES TR	SELECT DIVID ETF	464287168	1,549,650	11,375	SH		SOLE		11,375	0	0
ISHARES TR	SHRT NAT MUN ETF	464288158	17,920,129	169,650	SH		SOLE		169,650	0	0
ISHARES TR	U.S. INSRNCE ETF	464288786	1,653,480	12,675	SH		SOLE		12,675	0	0
ISHARES TR	ULTRA SHORT-TERM	46434V878	5,041,784	99,727	SH		SOLE		99,727	0	0
ISHARES TR	US AER DEF ETF	464288760	7,406,641	49,172	SH		SOLE		49,172	0	0
ISHARES TR	US CONSUM DISCRE	464287580	441,792	4,800	SH		SOLE		4,800	0	0
ISHARES TR	US HLTHCARE ETF	464287762	442,153	7,150	SH		SOLE		7,150	0	0
ISHARES U S ETF TR	SHORT DURATION B	46431W507	6,276,386	123,760	SH		SOLE		123,760	0	0
J P MORGAN EXCHANGE TRADED F	EQUITY PREMIUM	46641Q332	4,326,022	72,855	SH		SOLE		72,855	0	0
J P MORGAN EXCHANGE TRADED F	JPMORGAM LTD DUR	46654Q773	44,919,177	869,449	SH		SOLE		869,449	0	0
JETBLUE AWYS CORP	COM	477143101	550,464	81,250	SH		SOLE		81,250	0	0
JOHNSON & JOHNSON	COM	478160104	3,251,808	20,990	SH		SOLE		20,990	0	0
JOHNSON CTLS INTL PLC	SHS	G51502105	739,780	9,410	SH		SOLE		9,410	0	0
JPMORGAN CHASE & CO.	COM	46625H100	19,741,002	84,888	SH		SOLE		84,888	0	0
KELLANOVA	COM	487836108	1,050,218	13,000	SH		SOLE		13,000	0	0
KLA CORP	COM NEW	482480100	4,798,986	7,085	SH		SOLE		7,085	0	0
L3HARRIS TECHNOLOGIES INC	COM	502431109	2,034,750	8,494	SH		SOLE		8,494	0	0
LAM RESEARCH CORP	COM NEW	512807306	2,916,946	38,540	SH		SOLE		38,540	0	0
LINDE PLC	SHS	G54950103	207,496	455	SH		SOLE		455	0	0
LOCKHEED MARTIN CORP	COM	539830109	1,172,087	2,145	SH		SOLE		2,145	0	0
LOWES COS INC	COM	548661107	42,923,249	160,423	SH		SOLE		160,423	0	0
M & T BK CORP	COM	55261F104	9,459,037	47,685	SH		SOLE		47,685	0	0
MANULIFE FINL CORP	COM	56501R106	233,542	7,505	SH		SOLE		7,505	0	0
MARATHON PETE CORP	COM	56585A102	2,483,090	16,250	SH		SOLE		16,250	0	0
MARRIOTT INTL INC NEW	CL A	571903202	5,470,861	19,955	SH		SOLE		19,955	0	0
MASCO CORP	COM	574599106	2,133,765	26,650	SH		SOLE		26,650	0	0
MASTERBRAND INC	COMMON STOCK	57638P104	224,172	13,130	SH		SOLE		13,130	0	0
MASTERCARD INCORPORATED	CL A	57636Q104	3,799,787	7,345	SH		SOLE		7,345	0	0
MCKESSON CORP	COM	58155Q103	5,995,554	10,725	SH		SOLE		10,725	0	0
MERCK & CO INC	COM	58933Y105	2,521,942	24,395	SH		SOLE		24,395	0	0
META PLATFORMS INC	CL A	30303M102	11,602,690	19,778	SH		SOLE		19,778	0	0
MICROSOFT CORP	COM	594918104	35,799,771	84,058	SH		SOLE		84,058	0	0
MORGAN STANLEY	COM NEW	617446448	6,772,465	55,120	SH		SOLE		55,120	0	0
MOTOROLA SOLUTIONS INC	COM NEW	620076307	2,619,354	5,525	SH		SOLE		5,525	0	0
NATIONAL FUEL GAS CO	COM	636180101	271,607	4,440	SH		SOLE		4,440	0	0
NEW JERSEY RES CORP	COM	646025106	1,540,500	32,500	SH		SOLE		32,500	0	0
NEXTERA ENERGY INC	COM	65339F101	3,977,919	51,145	SH		SOLE		51,145	0	0
NORFOLK SOUTHN CORP	COM	655844108	3,084,684	12,118	SH		SOLE		12,118	0	0
NUCOR CORP	COM	670346105	1,001,190	6,955	SH		SOLE		6,955	0	0
NUVEEN AMT FREE QLTY MUN INC	COM	670657105	1,627,686	139,880	SH		SOLE		139,880	0	0
NUVEEN MUN VALUE FD INC	COM	670928100	4,691,186	527,488	SH		SOLE		527,488	0	0
NUVEEN S&P 500 BUY-WRITE INC	COM	6706ER101	1,101,446	79,495	SH		SOLE		79,495	0	0
NVIDIA CORPORATION	COM	67066G104	12,300,379	90,177	SH		SOLE		90,177	0	0
OPKO HEALTH INC	COM	68375N103	506,089	331,175	SH		SOLE		331,175	0	0
ORACLE CORP	COM	68389X105	1,569,344	8,840	SH		SOLE		8,840	0	0
OTIS WORLDWIDE CORP	COM	68902V107	326,110	3,250	SH		SOLE		3,250	0	0
PAYCHEX INC	COM	704326107	2,065,524	14,555	SH		SOLE		14,555	0	0
PEPSICO INC	COM	713448108	4,606,346	28,105	SH		SOLE		28,105	0	0
PFIZER INC	COM	717081103	5,694,554	209,735	SH		SOLE		209,735	0	0
PIMCO DYNAMIC INCOME FD	SHS	72201Y101	427,079	21,970	SH		SOLE		21,970	0	0
PIMCO ETF TR	1-5 US TIP IDX	72201R205	78,893,770	1,503,182	SH		SOLE		1,503,182	0	0
PIMCO ETF TR	ACTIVE BD ETF	72201R775	174,452,635	1,894,380	SH		SOLE		1,894,380	0	0
PIMCO ETF TR	ENHAN SHRT MA AC	72201R833	55,527,904	552,541	SH		SOLE		552,541	0	0
PNC FINL SVCS GROUP INC	COM	693475105	1,927,663	9,815	SH		SOLE		9,815	0	0
POPULAR INC	COM NEW	733174700	777,764	8,140	SH		SOLE		8,140	0	0
PPL CORP	COM	69351T106	663,642	20,150	SH		SOLE		20,150	0	0
PROCTER AND GAMBLE CO	COM	742718109	11,872,536	69,680	SH		SOLE		69,680	0	0
PRUDENTIAL FINL INC	COM	744320102	3,305,145	26,780	SH		SOLE		26,780	0	0
PSYENCE BIOMEDICAL LTD	COM NEW	74449F209	162,605	73,278	SH		SOLE		73,278	0	0
PUTNAM MASTER INTER INCOME T	SH BEN INT	746909100	676,236	205,205	SH		SOLE		205,205	0	0
PUTNAM PREMIER INCOME TR	SH BEN INT	746853100	816,818	226,850	SH		SOLE		226,850	0	0
QUALCOMM INC	COM	747525103	3,780,012	23,075	SH		SOLE		23,075	0	0
REINSURANCE GRP OF AMERICA I	COM NEW	759351604	1,658,181	7,605	SH		SOLE		7,605	0	0
RTX CORPORATION	COM	75513E101	13,717,161	113,533	SH		SOLE		113,533	0	0
S&P GLOBAL INC	COM	78409V104	215,195	424	SH		SOLE		424	0	0
SALESFORCE INC	COM	79466L302	1,306,421	4,106	SH		SOLE		4,106	0	0
SASOL LTD	SPONSORED ADR	803866300	57,490	10,140	SH		SOLE		10,140	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	6,763,565	210,058	SH		SOLE		210,058	0	0
SELECT SECTOR SPDR TR	COMMUNICATION	81369Y852	1,857,711	19,500	SH		SOLE		19,500	0	0
SELECT SECTOR SPDR TR	ENERGY	81369Y506	200,756	2,210	SH		SOLE		2,210	0	0
SELECT SECTOR SPDR TR	INDL	81369Y704	4,479,145	32,500	SH		SOLE		32,500	0	0
SELECT SECTOR SPDR TR	SBI CONS STPLS	81369Y308	2,681,904	33,020	SH		SOLE		33,020	0	0
SELECT SECTOR SPDR TR	SBI INT-UTILS	81369Y886	1,166,671	14,698	SH		SOLE		14,698	0	0
SEMTECH CORP	COM	816850101	910,984	17,290	SH		SOLE		17,290	0	0
SERVICE CORP INTL	COM	817565104	1,248,798	15,275	SH		SOLE		15,275	0	0
SHARPS TECHNOLOGY INC	COM NEW	82003F200	576,813	199,854	SH		SOLE		199,854	0	0
SHERWIN WILLIAMS CO	COM	824348106	371,821	1,053	SH		SOLE		1,053	0	0
SOLVENTUM CORP	COM SHS	83444M101	614,820	8,794	SH		SOLE		8,794	0	0
SOUTHERN CO	COM	842587107	1,006,461	11,477	SH		SOLE		11,477	0	0
SPDR GOLD TR	GOLD SHS	78463V107	4,791,135	19,500	SH		SOLE		19,500	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	43,556,933	73,837	SH		SOLE		73,837	0	0
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	8,931,998	15,261	SH		SOLE		15,261	0	0
SPDR SER TR	PORTFLI HIGH YLD	78468R606	314,127	13,240	SH		SOLE		13,240	0	0
SPDR SER TR	S&P DIVID ETF	78464A763	2,717,286	19,448	SH		SOLE		19,448	0	0
SSGA ACTIVE ETF TR	SPDR TR TACTIC	78467V848	3,387,762	84,214	SH		SOLE		84,214	0	0
STATE STR CORP	COM	857477103	3,074,635	32,500	SH		SOLE		32,500	0	0
STRYKER CORPORATION	COM	863667101	1,353,602	3,640	SH		SOLE		3,640	0	0
SYSCO CORP	COM	871829107	866,073	11,310	SH		SOLE		11,310	0	0
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	280,085	1,453	SH		SOLE		1,453	0	0
TARGET CORP	COM	87612E106	1,559,843	10,868	SH		SOLE		10,868	0	0
TERADATA CORP DEL	COM	88076W103	430,963	13,780	SH		SOLE		13,780	0	0
TESLA INC	COM	88160R101	444,810	1,313	SH		SOLE		1,313	0	0
TEXAS INSTRS INC	COM	882508104	1,897,952	9,486	SH		SOLE		9,486	0	0
THOMSON REUTERS CORP	COM	884903808	4,303,043	25,935	SH		SOLE		25,935	0	0
TRANE TECHNOLOGIES PLC	SHS	G8994E103	19,037,028	47,970	SH		SOLE		47,970	0	0
TYSON FOODS INC	CL A	902494103	1,264,454	20,943	SH		SOLE		20,943	0	0
UNION PAC CORP	COM	907818108	4,321,448	18,242	SH		SOLE		18,242	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	513,967	3,906	SH		SOLE		3,906	0	0
UPLAND SOFTWARE INC	COM	91544A109	42,031	13,000	SH		SOLE		13,000	0	0
VALERO ENERGY CORP	COM	91913Y100	2,043,865	15,275	SH		SOLE		15,275	0	0
VANGUARD ADMIRAL FDS INC	500 GRTH IDX F	921932505	3,651,619	10,140	SH		SOLE		10,140	0	0
VANGUARD ADMIRAL FDS INC	500 VAL IDX FD	921932703	2,509,302	13,081	SH		SOLE		13,081	0	0
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	374,535,124	4,825,007	SH		SOLE		4,825,007	0	0
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	3,352,920,343	45,844,512	SH		SOLE		45,844,512	0	0
VANGUARD BD INDEX FDS	VANGUARD ULTRA	92203C303	2,171,156	43,681	SH		SOLE		43,681	0	0
VANGUARD CHARLOTTE FDS	TOTAL INT BD ETF	92203J407	31,004,274	619,876	SH		SOLE		619,876	0	0
VANGUARD INDEX FDS	EXTEND MKT ETF	922908652	1,001,524	5,200	SH		SOLE		5,200	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	14,645,325	36,335	SH		SOLE		36,335	0	0
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	1,394,255	8,267	SH		SOLE		8,267	0	0
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	6,319,642	66,886	SH		SOLE		66,886	0	0
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	39,635,268	73,197	SH		SOLE		73,197	0	0
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	11,482,657	55,956	SH		SOLE		55,956	0	0
VANGUARD INDEX FDS	SMALL CP ETF	922908751	2,193,264	9,000	SH		SOLE		9,000	0	0
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	313,303,525	1,109,409	SH		SOLE		1,109,409	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	940,012,294	3,223,294	SH		SOLE		3,223,294	0	0
VANGUARD INDEX FDS	VALUE ETF	922908744	2,181,782	12,434	SH		SOLE		12,434	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	18,212,008	391,364	SH		SOLE		391,364	0	0
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	5,048,864	42,075	SH		SOLE		42,075	0	0
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	333,576,012	6,826,984	SH		SOLE		6,826,984	0	0
VANGUARD SCOTTSDALE FDS	MTG-BKD SECS ETF	92206C771	76,841,303	1,670,069	SH		SOLE		1,670,069	0	0
VANGUARD SCOTTSDALE FDS	SHORT TERM TREAS	92206C102	28,550,574	489,125	SH		SOLE		489,125	0	0
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	42,048,156	535,983	SH		SOLE		535,983	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	28,183,489	141,197	SH		SOLE		141,197	0	0
VANGUARD STAR FDS	VG TL INTL STK F	921909768	47,689,411	769,477	SH		SOLE		769,477	0	0
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	25,419,210	506,944	SH		SOLE		506,944	0	0
VANGUARD WORLD FD	CONSUM STP ETF	92204A207	16,773,444	77,401	SH		SOLE		77,401	0	0
VANGUARD WORLD FD	ESG INTL STK ETF	921910725	7,244,269	122,519	SH		SOLE		122,519	0	0
VANGUARD WORLD FD	ESG US CORP BD	921910691	26,020,926	411,749	SH		SOLE		411,749	0	0
VANGUARD WORLD FD	ESG US STK ETF	921910733	26,618,900	253,990	SH		SOLE		253,990	0	0
VANGUARD WORLD FD	FINANCIALS ETF	92204A405	2,303,505	19,500	SH		SOLE		19,500	0	0
VANGUARD WORLD FD	HEALTH CAR ETF	92204A504	37,819,017	140,248	SH		SOLE		140,248	0	0
VANGUARD WORLD FD	INF TECH ETF	92204A702	439,034	715	SH		SOLE		715	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	12,463,435	295,147	SH		SOLE		295,147	0	0
VISA INC	COM CL A	92826C839	2,002,214	6,670	SH		SOLE		6,670	0	0
WALMART INC	COM	931142103	49,823,232	574,746	SH		SOLE		574,746	0	0
WARNER BROS DISCOVERY INC	COM SER A	934423104	639,602	69,155	SH		SOLE		69,155	0	0
WEC ENERGY GROUP INC	COM	92939U106	3,075,103	31,720	SH		SOLE		31,720	0	0
WELLS FARGO CO NEW	COM	949746101	9,366,082	137,618	SH		SOLE		137,618	0	0
WISDOMTREE TR	FLOATNG RAT TREA	97717Y527	742,749	14,755	SH		SOLE		14,755	0	0
WISDOMTREE TR	US LARGECAP FUND	97717W588	45,799,612	741,411	SH		SOLE		741,411	0	0
WISDOMTREE TR	US SMALLCAP FUND	97717W562	29,435,639	536,780	SH		SOLE		536,780	0	0
WISDOMTREE TR	US TOTAL DIVIDND	97717W109	22,709,015	291,505	SH		SOLE		291,505	0	0
WORKDAY INC	CL A	98138H101	28,717,560	112,488	SH		SOLE		112,488	0	0
XCEL ENERGY INC	COM	98389B100	4,358,070	65,000	SH		SOLE		65,000	0	0