Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VOO	Vanguard S&P 500 ETF	264,065	$115M	18.7%	$288.31	—	—	922908363
SCHF	Schwab International Equity ETF	1,083,953	$40.06M	6.5%	$34.36	—	—	808524805
IJR	iShares Core S&P Small-Cap ETF	336,925	$36.47M	5.9%	$79.16	—	—	464287804
VYM	Vanguard High Dividend Yield Index Fund	299,026	$33.38M	5.4%	$88.48	—	—	921946406
VGIT	Vanguard Intermediate-Term Treasury Index	519,010	$30.79M	5.0%	$58.59	—	—	92206C706
VGSH	Vanguard Short-Term Treasury Index	523,601	$30.54M	5.0%	$57.88	—	—	92206C102
AVLV	Avantis US Large Cap Value ETF	440,167	$25.42M	4.1%	$51.24	—	—	025072349
IEFA	iShares Core MSCI EAFE ETF	356,000	$25.05M	4.1%	$59.23	—	—	46432F842
IWB	iShares Russell 1000 Index	83,241	$21.83M	3.5%	$114.09	—	—	464287622
AVDV	Avantis International Small Cap Value ETF	312,276	$19.51M	3.2%	$61.36	—	—	025072802
FNDF	Schwab Fundamental International Large Cap	544,132	$18.35M	3.0%	$30.87	—	—	808524755
PG	Procter & Gamble	116,650	$17.09M	2.8%	$68.53	+105.2%	—	742718109
VONE	Vanguard Russell 1000 ETF	62,664	$13.59M	2.2%	$171.75	—	—	92206C730
SYLD	Cambria Shareholder Yield ETF	197,635	$13.35M	2.2%	$61.54	—	—	132061201
AVUV	Avantis U.S. Small Cap Value ETF	133,871	$12.02M	2.0%	$75.13	—	—	025072877
VFMF	Vanguard US Multifactor	102,778	$11.8M	1.9%	$95.48	—	—	921935607
IEMG	iShares Core MSCI Emerging Markets	197,362	$9.983M	1.6%	$51.70	—	—	46434G103
MUB	iShares National AMT-Free Muni Bond	90,256	$9.785M	1.6%	$106.94	—	—	464288414
AVEM	Avantis Emerging Markets Equity ETF	162,942	$9.188M	1.5%	$56.48	—	—	025072604
VEA	Vanguard FTSE Developed Markets ETF	185,222	$8.872M	1.4%	$38.58	—	—	921943858
SUB	iShares Short-Term National Muni Bond ETF	77,400	$8.16M	1.3%	$104.51	—	—	464288158
FYLD	Cambria Foreign Shareholder Yield ETF	305,457	$7.875M	1.3%	$26.32	—	—	132061300
SCHD	Schwab US Dividend Equity ETF	76,977	$5.86M	1.0%	$75.30	—	—	808524797
EYLD	Cambria Emerging Shareholder Yield ETF	165,272	$5.181M	0.8%	$28.78	—	—	132061706
IEI	iShares 3-7 Year Treasury Bond	43,873	$5.139M	0.8%	$117.13	—	—	464288661
VTV	Vanguard Large Cap Value ETF	31,211	$4.666M	0.8%	$104.19	—	—	922908744
SCI	Service Corp Int'l, Inc.	67,913	$4.649M	0.8%	$36.89	+63.2%	—	817565104
VWO	Vanguard Emerging Market	89,724	$3.688M	0.6%	$39.37	—	—	922042858
SCHB	Schwab U.S. Broad Market ETF	60,668	$3.377M	0.5%	$51.67	—	—	808524102
AAPL	Apple Inc	16,857	$3.246M	0.5%	$93.80	+94.9%	—	037833100
SGOV	iShares 0-3 Month Treasury Bond ETF	28,642	$2.872M	0.5%	$100.27	—	—	46436E718
VYMI	Vanguard International High Dividend ETF	43,027	$2.861M	0.5%	$65.01	—	—	921946794
VIG	Vanguard Dividend Appreciation	15,378	$2.62M	0.4%	$105.27	—	—	921908844
IVV	iShares S&P 500 Index	4,214	$2.013M	0.3%	$169.43	—	—	464287200
SPDW	SPDR Developed World ex-US ETF	57,428	$1.953M	0.3%	$34.01	—	—	78463X889
IWM	iShares Russell 2000 Idx	9,724	$1.952M	0.3%	$136.21	—	—	464287655
SLYV	SPDR S&P 600 Small Cap Value	20,140	$1.678M	0.3%	$54.54	—	—	78464A300
BSV	Vanguard Short Term Bond Index	17,415	$1.341M	0.2%	$83.09	—	—	921937827
SCHR	Schwab Intermediate-Term U.S. Treasury ETF	26,758	$1.33M	0.2%	$49.10	—	—	808524854
VBK	Vanguard Small-Cap Growth ETF	5,449	$1.317M	0.2%	$132.88	—	—	922908595
SCHA	Schwab U.S. Small Cap ETF	25,868	$1.222M	0.2%	$49.77	—	—	808524607
IWD	iShares Russell 1000 Value	7,242	$1.197M	0.2%	$96.60	—	—	464287598
VONG	Vanguard Russell 1000 Growth ETF	14,722	$1.149M	0.2%	$77.98	—	—	92206C680
VSS	Vanguard FTSE All-World ex-US Sm-Cp ETF	9,864	$1.135M	0.2%	$109.60	—	—	922042718
DES	Wisdomtree Small Cap Dividend	32,656	$1.051M	0.2%	$31.06	—	—	97717W604
VNQ	Vanguard Real Estate Index	11,651	$1.03M	0.2%	$106.37	—	—	922908553
AVGO	Broadcom Ltd	893	$997K	0.2%	$48.08	+91.8%	—	11135F101
CODI	Compass Diversified	44,000	$988K	0.2%	$16.60	+9.6%	—	20451Q104
JEPI	JPMorgan Equity Premium	17,706	$973K	0.2%	$54.60	—	—	46641Q332
IWF	iShares Russell 1000 Growth	3,160	$958K	0.2%	$180.91	—	—	464287614
MSFT	Microsoft	2,514	$945K	0.2%	$79.14	+342.7%	—	594918104
FNDE	Schwab Fundamental Emg Mkts Large Co Index	33,839	$918K	0.1%	$27.67	—	—	808524730
XOM	Exxon Mobil Corp	8,353	$835K	0.1%	$69.34	+40.7%	—	30231G102
—	Merck & Co	7,354	$802K	0.1%	$77.40	—	—	589331107
CVX	Chevron Corp	5,250	$783K	0.1%	$94.53	+45.8%	—	166764100
PEP	Pepsico Inc	4,567	$776K	0.1%	$77.90	+97.4%	—	713448108
HD	Home Depot	2,221	$770K	0.1%	$104.07	+182.2%	—	437076102
LLY	Lilly Eli & Co	1,279	$746K	0.1%	$107.51	+434.9%	—	532457108
META	Meta Platforms Inc	2,097	$742K	0.1%	$254.42	+27.1%	—	30303M102
MDLZ	Mondelez Intl Inc Cl A	10,023	$726K	0.1%	$44.86	+43.3%	—	609207105
ABBV	Abbvie Inc	4,645	$720K	0.1%	$76.59	+77.2%	—	00287Y109
IWN	iShares Russell 2000 Value Idx	4,477	$695K	0.1%	$97.84	—	—	464287630
MCD	McDonalds Corp	2,332	$691K	0.1%	$156.97	+64.8%	—	580135101
SBUX	Starbucks Corp	6,984	$671K	0.1%	$64.42	+43.1%	—	855244109
—	Berkshire Hath. Cl B	1,800	$642K	0.1%	$311.14	—	—	084670207
IJH	iShares S&P Midcap 400	2,157	$598K	0.1%	$140.94	—	—	464287507
USB	US Bancorp	13,792	$597K	0.1%	$36.95	-10.4%	—	902973304
APD	Air Products & Chemicals Inc	2,048	$561K	0.1%	$136.29	+90.2%	—	009158106
—	Eaton Corporation	2,323	$559K	0.1%	$112.87	—	—	278058102
NEE	Nextera Energy Inc	8,499	$516K	0.1%	$54.91	-2.6%	—	65339F101
PNC	PNC Financial Services	3,312	$513K	0.1%	$121.59	-1.4%	—	693475105
ISTB	iShares Core 1-5 Year USD Bond ETF	10,697	$509K	0.1%	$47.85	—	—	46432F859
GUNR	Flexshares Morningstar Global Upstream Natural Resources	12,433	$509K	0.1%	$45.34	—	—	33939L407
MRSH	Marsh & McLennan	2,539	$481K	0.1%	$70.84	+163.9%	—	571748102
FNDA	Schwab Fundamental US Small Cap ETF	8,674	$480K	0.1%	$30.31	—	—	808524763
TRV	Travelers Co	2,492	$475K	0.1%	$170.96	-2.5%	—	89417E109
SRE	Sempra Energy	6,346	$474K	0.1%	$56.40	+18.3%	—	816851109
NTNX	Nutanix Inc	9,827	$469K	0.1%	$26.80	+51.0%	—	67059N108
ADP	Automatic Data Processing	2,007	$468K	0.1%	$140.39	+58.2%	—	053015103
TXN	Texas Instruments	2,724	$464K	0.1%	$57.91	+151.2%	—	882508104
SPY	SPDR S&P 500 ETF	952	$452K	0.1%	$351.00	—	—	78462F103
OTTR	Otter Tail Corp	5,266	$447K	0.1%	$55.25	+32.0%	—	689648103
PLD	Prologis Inc	3,114	$415K	0.1%	$80.29	+31.5%	—	74340W103
CINF	Cincinnati Financial	3,990	$413K	0.1%	$81.51	+17.9%	—	172062101
O	Realty Income Corp.	7,105	$408K	0.1%	$47.51	-2.2%	—	756109104
NVDA	Nvidia Corp	818	$405K	0.1%	$21.62	+114.2%	—	67066G104
LMT	Lockheed Martin Corp	890	$403K	0.1%	$160.71	+159.7%	—	539830109
—	Duke Energy Corporation	3,953	$384K	0.1%	$74.16	—	—	26441C105
WMB	Williams Companies	10,813	$377K	0.1%	$29.20	+10.1%	—	969457100
VTI	Vanguard Total Stock Market ETF	1,577	$374K	0.1%	$229.50	—	—	922908769
BND	Vanguard Total Bond Market	4,680	$344K	0.1%	$81.58	—	—	921937835
QQQ	Nasdaq 100 Shares	840	$344K	0.1%	$294.32	—	—	46090E103
PSX	Phillips 66	2,586	$344K	0.1%	$103.33	+7.5%	—	718546104
KDP	Keurig Dr Pepper Inc.	10,099	$336K	0.1%	$33.28	-12.2%	—	49271V100
ITW	Illinois Tool Works	1,234	$323K	0.1%	$107.01	+112.4%	—	452308109
CSCO	Cisco Systems	6,069	$307K	0.0%	$20.72	+131.6%	—	17275R102
JNJ	Johnson & Johnson	1,945	$305K	0.0%	$103.44	+38.8%	—	478160104
UPS	United Parcel Service	1,923	$302K	0.0%	$167.89	-20.0%	—	911312106
—	Hubbell Inc Class B	910	$299K	0.0%	$223.08	—	—	443510201
AVXL	Anavex Life Sciences	30,500	$284K	0.0%	$10.12	-31.9%	—	032797300
ILCB	iShares Mstar Large Core	4,298	$283K	0.0%	$69.52	—	—	464287127
AMD	Advanced Micro Devic	1,872	$276K	0.0%	$81.38	+44.8%	—	007903107
SCHW	Charles Schwab Corp	3,738	$257K	0.0%	$50.45	+11.2%	—	808513105
ET	Energy Transfer LP	18,399	$254K	0.0%	$9.19	—	—	29273V100
PAYX	Paychex Inc	2,134	$254K	0.0%	$37.41	+196.9%	—	704326107
GLD	SPDR Gold Trust	1,298	$248K	0.0%	$165.75	—	—	78463V107
JPM	JPMorgan Chase & Co	1,455	$247K	0.0%	$50.79	+185.3%	—	46625H100
VDE	Vanguard Energy ETF	2,044	$240K	0.0%	$101.74	—	—	92204A306
SCHX	Schwab US Large Cap ETF	4,128	$233K	0.0%	$48.29	—	—	808524201
QCOM	Qualcomm Inc	1,607	$232K	0.0%	$118.34	0.0%	—	747525103
MTDR	Matador Resources Co	4,020	$229K	0.0%	$55.11	+6.2%	—	576485205
PEY	Invesco High Yield Equity Dividend Achievers ETF	9,920	$210K	0.0%	$21.17	—	—	46137V563
GLW	Corning Inc	6,849	$209K	0.0%	$31.02	-12.5%	—	219350105
NXPI	Nxp Semiconductors	911	$209K	0.0%	$193.61	0.0%	—	N6596X109
KR	Kroger Corp	4,557	$208K	0.0%	$44.12	-3.9%	—	501044101
—	Wisconsin Energy	2,447	$206K	0.0%	$84.18	—	—	976657106
SLS	Sellas Life Sciences Gro	135,000	$143K	0.0%	$1.42	-24.0%	—	81642T209
NWBO	NW Biotherapeutics	60,150	$42,000	0.0%	$0.82	-6.3%	—	66737P600
NLST	Netlist, Inc.	19,500	$37,000	0.0%	$2.66	-46.2%	—	64118P109
—	Meta Materials Inc.	20,000	$1,000	0.0%	$0.70	—	—	59134N104
MSITF	Medical Svcs Intl Cl A	50,000	$0	0.0%	$0.00	+36.5%	—	58463C101
—	Global Blockchain Mng	50,000	$0	0.0%	—	—	—	37958T100
PDPR	Marathon Group Corp	300,000	$0	0.0%	$0.00	-92.9%	—	565807401