Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VDC	VANGUARD WORLD FD	452,525	$98.87M	19.4%	$192.21	—	CONSUM STP ETF	92204A207
VOO	VANGUARD INDEX FDS	137,600	$72.61M	14.3%	$382.89	—	S&P 500 ETF SHS	922908363
VGT	VANGUARD WORLD FD	110,536	$64.83M	12.7%	$392.50	—	INF TECH ETF	92204A702
SCHB	SCHWAB STRATEGIC TR	843,781	$56.13M	11.0%	$54.49	—	US BRD MKT ETF	808524102
VIS	VANGUARD WORLD FD	134,371	$34.95M	6.9%	$187.70	—	INDUSTRIAL ETF	92204A603
VTI	VANGUARD INDEX FDS	120,044	$33.99M	6.7%	$191.19	—	TOTAL STK MKT	922908769
VIG	VANGUARD SPECIALIZED FUNDS	110,488	$21.88M	4.3%	$155.54	—	DIV APP ETF	921908844
SPTM	SPDR SER TR	265,282	$18.59M	3.6%	$47.29	—	PORTFOLI S&P1500	78464A805
VIGI	VANGUARD WHITEHALL FDS	130,270	$11.5M	2.3%	$76.24	—	INTL DVD ETF	921946810
FSTA	FIDELITY COVINGTON TRUST	162,975	$8.32M	1.6%	$44.66	—	CONSMR STAPLES	316092303
VXF	VANGUARD INDEX FDS	40,600	$7.389M	1.5%	$132.86	—	EXTEND MKT ETF	922908652
SCHA	SCHWAB STRATEGIC TR	115,773	$5.962M	1.2%	$45.43	—	US SML CAP ETF	808524607
SCHG	SCHWAB STRATEGIC TR	45,775	$4.769M	0.9%	$84.19	—	US LCAP GR ETF	808524300
BRK/B	BERKSHIRE HATHAWAY INC DEL	9,651	$4.442M	0.9%	$315.13	+40.3%	CL B NEW	084670702
SCHD	SCHWAB STRATEGIC TR	42,865	$3.623M	0.7%	$75.88	—	US DIVIDEND EQ	808524797
VUG	VANGUARD INDEX FDS	9,357	$3.592M	0.7%	$218.53	—	GROWTH ETF	922908736
AAPL	APPLE INC	14,250	$3.32M	0.7%	$153.72	+44.4%	COM	037833100
NLY	ANNALY CAPITAL MANAGEMENT IN	156,649	$3.144M	0.6%	$21.06	—	COM NEW	035710839
QQQ	INVESCO QQQ TR	5,543	$2.706M	0.5%	$291.61	—	UNIT SER 1	46090E103
—	BLACKROCK MUNIHOLDINGS FD IN	210,368	$2.661M	0.5%	$12.13	—	COM	09253N104
SCHZ	SCHWAB STRATEGIC TR	50,697	$2.409M	0.5%	$45.93	—	US AGGREGATE B	808524839
SCHM	SCHWAB STRATEGIC TR	25,587	$2.126M	0.4%	$74.18	—	US MID-CAP ETF	808524508
SCHX	SCHWAB STRATEGIC TR	29,761	$2.019M	0.4%	$48.62	—	US LRG CAP ETF	808524201
SCHJ	SCHWAB STRATEGIC TR	34,936	$1.733M	0.3%	$47.99	—	1 5YR CORP BD	808524714
VB	VANGUARD INDEX FDS	6,605	$1.567M	0.3%	$183.60	—	SMALL CP ETF	922908751
VFMV	VANGUARD WELLINGTON FD	11,166	$1.358M	0.3%	$98.37	—	US MINIMUM	921935409
WMT	WALMART INC	15,171	$1.225M	0.2%	$53.11	+36.5%	COM	931142103
VT	VANGUARD INTL EQUITY INDEX F	9,926	$1.188M	0.2%	$86.21	—	TT WRLD ST ETF	922042742
VOOV	VANGUARD ADMIRAL FDS INC	6,214	$1.185M	0.2%	$140.04	—	500 VAL IDX FD	921932703
VTHR	VANGUARD SCOTTSDALE FDS	4,665	$1.183M	0.2%	$171.70	—	VNG RUS3000IDX	92206C599
—	NUVEEN MUNICIPAL CREDIT INC	88,260	$1.156M	0.2%	$12.04	—	COM SH BEN INT	67070X101
VBR	VANGUARD INDEX FDS	5,344	$1.073M	0.2%	$161.04	—	SM CP VAL ETF	922908611
VOOG	VANGUARD ADMIRAL FDS INC	3,079	$1.063M	0.2%	$210.78	—	500 GRTH IDX F	921932505
VONE	VANGUARD SCOTTSDALE FDS	4,069	$1.058M	0.2%	$174.24	—	VNG RUS1000IDX	92206C730
NVDA	NVIDIA CORPORATION	8,414	$1.022M	0.2%	$95.10	+24.2%	COM	67066G104
VYM	VANGUARD WHITEHALL FDS	7,843	$1.006M	0.2%	$107.95	—	HIGH DIV YLD	921946406
VTEB	VANGUARD MUN BD FDS	15,784	$807K	0.2%	$50.16	—	TAX EXEMPT BD	922907746
ET	ENERGY TRANSFER L P	50,097	$804K	0.2%	$12.09	—	COM UT LTD PTN	29273V100
TGRW	T ROWE PRICE ETF INC	21,210	$799K	0.2%	$25.00	—	PRICE GRW STOCK	87283Q305
VBK	VANGUARD INDEX FDS	2,967	$793K	0.2%	$200.63	—	SML CP GRW ETF	922908595
SCHO	SCHWAB STRATEGIC TR	15,133	$741K	0.1%	$48.42	—	SHT TM US TRES	808524862
VCSH	VANGUARD SCOTTSDALE FDS	9,003	$715K	0.1%	$75.22	—	SHRT TRM CORP BD	92206C409
VUSB	VANGUARD BD INDEX FDS	14,201	$709K	0.1%	$49.10	—	VANGUARD ULTRA	92203C303
VEU	VANGUARD INTL EQUITY INDEX F	10,989	$692K	0.1%	$50.31	—	ALLWRLD EX US	922042775
—	BLACKROCK MUN INCOME TR	64,017	$677K	0.1%	$10.15	—	SH BEN INT	09248F109
AMZN	AMAZON COM INC	3,516	$655K	0.1%	$113.38	+60.9%	COM	023135106
VCIT	VANGUARD SCOTTSDALE FDS	7,812	$654K	0.1%	$77.50	—	INT-TERM CORP	92206C870
JNJ	JOHNSON & JOHNSON	3,882	$629K	0.1%	$156.80	-2.6%	COM	478160104
DFAI	DIMENSIONAL ETF TRUST	19,576	$622K	0.1%	$28.46	—	INTL CORE EQT MK	25434V203
PG	PROCTER AND GAMBLE CO	3,445	$597K	0.1%	$129.79	+26.5%	COM	742718109
VFH	VANGUARD WORLD FD	4,864	$535K	0.1%	$83.11	—	FINANCIALS ETF	92204A405
GOOG	ALPHABET INC	3,153	$527K	0.1%	$96.13	+75.0%	CAP STK CL C	02079K107
VDE	VANGUARD WORLD FD	3,967	$486K	0.1%	$121.28	—	ENERGY ETF	92204A306
HD	HOME DEPOT INC	1,148	$465K	0.1%	$282.04	+25.0%	COM	437076102
—	NUVEEN AMT FREE MUN CR INC F	34,193	$458K	0.1%	$12.00	—	COM	67071L106
—	WESTERN ASSET MANAGED MUNS F	41,420	$449K	0.1%	$10.07	—	COM	95766M105
XMUIX	BLACKROCK MUNICIPAL INCOME	34,822	$438K	0.1%	$11.33	—	COM	09253X102
CAT	CATERPILLAR INC	1,077	$421K	0.1%	$230.59	+46.9%	COM	149123101
JPM	JPMORGAN CHASE & CO.	1,991	$420K	0.1%	$117.65	+74.2%	COM	46625H100
CSX	CSX CORP	11,930	$412K	0.1%	$30.31	+9.6%	COM	126408103
VEA	VANGUARD TAX-MANAGED FDS	7,589	$401K	0.1%	$42.01	—	VAN FTSE DEV MKT	921943858
VHT	VANGUARD WORLD FD	1,352	$382K	0.1%	$250.89	—	HEALTH CAR ETF	92204A504
—	BLACKROCK MUNIYIELD MICH QU	31,709	$381K	0.1%	$11.10	—	COM	09254V105
UNP	UNION PAC CORP	1,530	$377K	0.1%	$194.92	+20.4%	COM	907818108
GGG	GRACO INC	4,285	$375K	0.1%	$63.99	+25.6%	COM	384109104
MCD	MCDONALDS CORP	1,151	$351K	0.1%	$245.59	+8.6%	COM	580135101
XBKNX	BLACKROCK INVT QUALITY MUN T	26,094	$337K	0.1%	$11.67	—	COM	09247D105
ADP	AUTOMATIC DATA PROCESSING IN	1,160	$321K	0.1%	$228.99	+10.7%	COM	053015103
CVX	CHEVRON CORP NEW	2,131	$314K	0.1%	$152.58	-8.3%	COM	166764100
—	BLACKROCK MUNIYILD QULT FD I	23,685	$311K	0.1%	$11.61	—	COM	09254F100
SPLV	INVESCO EXCH TRADED FD TR II	4,245	$305K	0.1%	$63.80	—	S&P500 LOW VOL	46138E354
PEG	PUBLIC SVC ENTERPRISE GRP IN	3,347	$299K	0.1%	$57.28	+33.3%	COM	744573106
MSFT	MICROSOFT CORP	670	$288K	0.1%	$363.15	+16.5%	COM	594918104
SCMB	SCHWAB STRATEGIC TR	5,430	$285K	0.1%	$52.53	—	MUN BD ETF	808524649
VNQ	VANGUARD INDEX FDS	2,922	$285K	0.1%	$83.05	—	REAL ESTATE ETF	922908553
WEC	WEC ENERGY GROUP INC	2,938	$283K	0.1%	$82.72	+2.3%	COM	92939U106
KO	COCA COLA CO	3,874	$278K	0.1%	$55.52	+18.2%	COM	191216100
VO	VANGUARD INDEX FDS	1,050	$277K	0.1%	$203.85	—	MID CAP ETF	922908629
—	NUVEEN QUALITY MUNCP INCOME	21,722	$269K	0.1%	$11.81	—	COM	67066V101
SDY	SPDR SER TR	1,892	$269K	0.1%	$125.00	—	S&P DIVID ETF	78464A763
IVV	ISHARES TR	461	$266K	0.1%	$533.60	—	CORE S&P500 ETF	464287200
—	INVESCO QUALITY MUN INCOME T	24,369	$254K	0.0%	$9.44	—	COM	46133G107
—	INVESCO MUNICIPAL TRUST	24,349	$250K	0.0%	$9.90	—	COM	46131J103
IJR	ISHARES TR	2,039	$239K	0.0%	$94.67	—	CORE S&P SCP ETF	464287804
—	NYLI MACKAY DEFINEDTERM MUNI	14,014	$236K	0.0%	$16.06	—	COM	56064K100
AOM	ISHARES TR	5,083	$229K	0.0%	$38.01	—	MODERT ALLOC ETF	464289875
AGNC	AGNC INVT CORP	21,376	$224K	0.0%	$10.34	—	COM	00123Q104
META	META PLATFORMS INC	381	$218K	0.0%	$512.12	0.0%	CL A	30303M102
OTTR	OTTER TAIL CORP	2,603	$204K	0.0%	$70.21	+18.3%	COM	689648103
TSLA	TESLA INC	772	$202K	0.0%	$228.05	0.0%	COM	88160R101
XEL	XCEL ENERGY INC	3,079	$201K	0.0%	$56.58	0.0%	COM	98389B100
—	EATON VANCE MUNI INCOME TRUS	13,630	$150K	0.0%	$9.90	—	SH BEN INT	27826U108
—	PIMCO NEW YORK MUN INCOME FD	15,745	$131K	0.0%	$9.02	—	COM	72200T103