Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VDC	VANGUARD WORLD FD	457,863	$96.78M	18.4%	$192.43	—	CONSUM STP ETF	92204A207
VOO	VANGUARD INDEX FDS	142,837	$76.96M	14.6%	$388.61	—	S&P 500 ETF SHS	922908363
VGT	VANGUARD WORLD FD	114,957	$71.48M	13.6%	$401.32	—	INF TECH ETF	92204A702
SCHB	SCHWAB STRATEGIC TR	2,720,223	$61.75M	11.7%	$32.56	—	US BRD MKT ETF	808524102
VTI	VANGUARD INDEX FDS	120,739	$34.99M	6.6%	$191.19	—	TOTAL STK MKT	922908769
VIS	VANGUARD WORLD FD	133,851	$34.05M	6.5%	$187.70	—	INDUSTRIAL ETF	92204A603
VIG	VANGUARD SPECIALIZED FUNDS	110,912	$21.72M	4.1%	$155.54	—	DIV APP ETF	921908844
SPTM	SPDR SER TR	262,072	$18.72M	3.5%	$47.29	—	PORTFOLI S&P1500	78464A805
VIGI	VANGUARD WHITEHALL FDS	142,342	$11.39M	2.2%	$76.56	—	INTL DVD ETF	921946810
FSTA	FIDELITY COVINGTON TRUST	177,042	$8.751M	1.7%	$45.04	—	CONSMR STAPLES	316092303
VXF	VANGUARD INDEX FDS	40,220	$7.641M	1.4%	$132.86	—	EXTEND MKT ETF	922908652
SCHA	SCHWAB STRATEGIC TR	239,375	$6.19M	1.2%	$35.33	—	US SML CAP ETF	808524607
SCHG	SCHWAB STRATEGIC TR	199,024	$5.547M	1.1%	$40.82	—	US LCAP GR ETF	808524300
BRK/B	BERKSHIRE HATHAWAY INC DEL	10,866	$4.925M	0.9%	$331.52	+39.3%	CL B NEW	084670702
VUG	VANGUARD INDEX FDS	9,317	$3.824M	0.7%	$218.53	—	GROWTH ETF	922908736
SCHD	SCHWAB STRATEGIC TR	132,107	$3.609M	0.7%	$43.08	—	US DIVIDEND EQ	808524797
AAPL	APPLE INC	14,129	$3.538M	0.7%	$153.72	+52.6%	COM	037833100
QQQ	INVESCO QQQ TR	5,681	$2.905M	0.6%	$296.94	—	UNIT SER 1	46090E103
NLY	ANNALY CAPITAL MANAGEMENT IN	157,377	$2.88M	0.5%	$21.06	—	COM NEW	035710839
—	BLACKROCK MUNIHOLDINGS FD IN	211,638	$2.47M	0.5%	$12.13	—	COM	09253N104
SCHZ	SCHWAB STRATEGIC TR	106,501	$2.418M	0.5%	$33.76	—	US AGGREGATE B	808524839
SCHM	SCHWAB STRATEGIC TR	77,571	$2.149M	0.4%	$43.04	—	US MID-CAP ETF	808524508
SCHX	SCHWAB STRATEGIC TR	92,409	$2.142M	0.4%	$31.37	—	US LRG CAP ETF	808524201
SCHJ	SCHWAB STRATEGIC TR	76,458	$1.864M	0.4%	$35.17	—	1 5YR CORP BD	808524714
VB	VANGUARD INDEX FDS	6,620	$1.591M	0.3%	$183.60	—	SMALL CP ETF	922908751
WMT	WALMART INC	15,146	$1.369M	0.3%	$53.11	+61.5%	COM	931142103
VFMV	VANGUARD WELLINGTON FD	10,873	$1.31M	0.2%	$98.37	—	US MINIMUM	921935409
VTHR	VANGUARD SCOTTSDALE FDS	4,665	$1.212M	0.2%	$171.70	—	VNG RUS3000IDX	92206C599
VT	VANGUARD INTL EQUITY INDEX F	9,952	$1.169M	0.2%	$86.21	—	TT WRLD ST ETF	922042742
VOOV	VANGUARD ADMIRAL FDS INC	6,214	$1.147M	0.2%	$140.04	—	500 VAL IDX FD	921932703
NVDA	NVIDIA CORPORATION	8,399	$1.128M	0.2%	$95.10	+44.9%	COM	67066G104
VOOG	VANGUARD ADMIRAL FDS INC	3,079	$1.127M	0.2%	$210.78	—	500 GRTH IDX F	921932505
SCHO	SCHWAB STRATEGIC TR	46,732	$1.124M	0.2%	$31.95	—	SHT TM US TRES	808524862
—	NUVEEN MUNICIPAL CREDIT INC	90,115	$1.097M	0.2%	$12.04	—	COM SH BEN INT	67070X101
VONE	VANGUARD SCOTTSDALE FDS	4,069	$1.085M	0.2%	$174.24	—	VNG RUS1000IDX	92206C730
VBR	VANGUARD INDEX FDS	5,454	$1.081M	0.2%	$161.79	—	SM CP VAL ETF	922908611
VTEB	VANGUARD MUN BD FDS	20,091	$1.007M	0.2%	$50.15	—	TAX EXEMPT BD	922907746
ET	ENERGY TRANSFER L P	50,109	$982K	0.2%	$12.09	—	COM UT LTD PTN	29273V100
VYM	VANGUARD WHITEHALL FDS	7,668	$978K	0.2%	$107.95	—	HIGH DIV YLD	921946406
TGRW	T ROWE PRICE ETF INC	21,411	$852K	0.2%	$25.00	—	PRICE GRW STOCK	87283Q305
VBK	VANGUARD INDEX FDS	2,908	$815K	0.2%	$200.63	—	SML CP GRW ETF	922908595
AMZN	AMAZON COM INC	3,620	$794K	0.2%	$116.00	+76.4%	COM	023135106
VUSB	VANGUARD BD INDEX FDS	15,233	$756K	0.1%	$49.14	—	VANGUARD ULTRA	92203C303
VCSH	VANGUARD SCOTTSDALE FDS	8,490	$662K	0.1%	$75.22	—	SHRT TRM CORP BD	92206C409
—	BLACKROCK MUN INCOME TR	64,766	$639K	0.1%	$10.14	—	SH BEN INT	09248F109
VEU	VANGUARD INTL EQUITY INDEX F	10,907	$626K	0.1%	$50.31	—	ALLWRLD EX US	922042775
VCIT	VANGUARD SCOTTSDALE FDS	7,710	$619K	0.1%	$77.50	—	INT-TERM CORP	92206C870
DFAI	DIMENSIONAL ETF TRUST	20,948	$612K	0.1%	$28.51	—	INTL CORE EQT MK	25434V203
GOOG	ALPHABET INC	3,153	$600K	0.1%	$96.13	+82.8%	CAP STK CL C	02079K107
PG	PROCTER AND GAMBLE CO	3,451	$579K	0.1%	$129.79	+27.7%	COM	742718109
VFH	VANGUARD WORLD FD	4,887	$577K	0.1%	$83.11	—	FINANCIALS ETF	92204A405
JNJ	JOHNSON & JOHNSON	3,875	$560K	0.1%	$156.80	-4.6%	COM	478160104
SCMB	SCHWAB STRATEGIC TR	19,493	$501K	0.1%	$33.16	—	MUN BD ETF	808524649
VDE	VANGUARD WORLD FD	3,998	$485K	0.1%	$121.28	—	ENERGY ETF	92204A306
JPM	JPMORGAN CHASE & CO.	1,876	$450K	0.1%	$117.65	+93.8%	COM	46625H100
HD	HOME DEPOT INC	1,148	$447K	0.1%	$282.04	+40.9%	COM	437076102
—	WESTERN ASSET MANAGED MUNS F	42,626	$435K	0.1%	$10.07	—	COM	95766M105
XMUIX	BLACKROCK MUNICIPAL INCOME	34,890	$423K	0.1%	$11.33	—	COM	09253X102
—	NUVEEN AMT FREE MUN CR INC F	34,193	$419K	0.1%	$12.00	—	COM	67071L106
CAT	CATERPILLAR INC	1,079	$391K	0.1%	$230.59	+65.5%	COM	149123101
CSX	CSX CORP	11,930	$385K	0.1%	$30.31	+11.1%	COM	126408103
GGG	GRACO INC	4,297	$362K	0.1%	$63.99	+33.2%	COM	384109104
VEA	VANGUARD TAX-MANAGED FDS	7,486	$358K	0.1%	$42.01	—	VAN FTSE DEV MKT	921943858
—	BLACKROCK MUNIYIELD MICH QU	31,709	$355K	0.1%	$11.10	—	COM	09254V105
VHT	VANGUARD WORLD FD	1,381	$350K	0.1%	$250.95	—	HEALTH CAR ETF	92204A504
UNP	UNION PAC CORP	1,533	$350K	0.1%	$194.92	+18.1%	COM	907818108
ADP	AUTOMATIC DATA PROCESSING IN	1,160	$340K	0.1%	$228.99	+25.7%	COM	053015103
MCD	MCDONALDS CORP	1,151	$334K	0.1%	$245.59	+18.2%	COM	580135101
CVX	CHEVRON CORP NEW	2,141	$310K	0.1%	$152.58	-4.6%	COM	166764100
SPLV	INVESCO EXCH TRADED FD TR II	4,262	$298K	0.1%	$63.80	—	S&P500 LOW VOL	46138E354
IVV	ISHARES TR	499	$294K	0.1%	$537.79	—	CORE S&P500 ETF	464287200
XBKNX	BLACKROCK INVT QUALITY MUN T	26,314	$293K	0.1%	$11.67	—	COM	09247D105
TSLA	TESLA INC	724	$292K	0.1%	$228.05	+41.1%	COM	88160R101
PEG	PUBLIC SVC ENTERPRISE GRP IN	3,358	$284K	0.1%	$57.28	+48.9%	COM	744573106
MSFT	MICROSOFT CORP	670	$283K	0.1%	$363.15	+16.3%	COM	594918104
WEC	WEC ENERGY GROUP INC	2,938	$276K	0.1%	$82.72	+12.9%	COM	92939U106
VO	VANGUARD INDEX FDS	1,036	$274K	0.1%	$203.85	—	MID CAP ETF	922908629
—	BLACKROCK MUNIYILD QULT FD I	23,685	$273K	0.1%	$11.61	—	COM	09254F100
—	NUVEEN QUALITY MUNCP INCOME	21,867	$255K	0.0%	$11.81	—	COM	67066V101
VNQ	VANGUARD INDEX FDS	2,790	$249K	0.0%	$83.05	—	REAL ESTATE ETF	922908553
SDY	SPDR SER TR	1,847	$244K	0.0%	$125.00	—	S&P DIVID ETF	78464A763
KO	COCA COLA CO	3,874	$241K	0.0%	$55.52	+13.6%	COM	191216100
—	INVESCO QUALITY MUN INCOME T	24,369	$240K	0.0%	$9.44	—	COM	46133G107
—	INVESCO MUNICIPAL TRUST	24,349	$239K	0.0%	$9.90	—	COM	46131J103
IJR	ISHARES TR	2,052	$237K	0.0%	$94.67	—	CORE S&P SCP ETF	464287804
META	META PLATFORMS INC	381	$223K	0.0%	$512.12	+14.2%	CL A	30303M102
ARKK	ARK ETF TR	3,879	$220K	0.0%	$56.78	—	INNOVATION ETF	00214Q104
—	NYLI MACKAY DEFINEDTERM MUNI	14,014	$209K	0.0%	$16.06	—	COM	56064K100
XEL	XCEL ENERGY INC	3,079	$208K	0.0%	$56.58	+13.9%	COM	98389B100
AOM	ISHARES TR	4,723	$205K	0.0%	$38.01	—	MODERT ALLOC ETF	464289875
AGNC	AGNC INVT CORP	21,376	$197K	0.0%	$10.34	—	COM	00123Q104
—	EATON VANCE MUNI INCOME TRUS	13,630	$138K	0.0%	$9.90	—	SH BEN INT	27826U108
—	PIMCO NEW YORK MUN INCOME FD	15,745	$117K	0.0%	$9.02	—	COM	72200T103
—	NUVEEN AMT FREE QLTY MUN INC	10,001	$113K	0.0%	$11.28	—	COM	670657105