Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VOO	Vanguard S&P 500 ETF	266,482	$151M	18.1%	$303.50	—	—	922908363
SCHF	Schwab International Equity ETF	2,510,756	$55.49M	6.6%	$26.40	—	—	808524805
VGIT	Vanguard Intermediate-Term Treasury Index	740,542	$44.29M	5.3%	$58.75	—	—	92206C706
IJR	iShares Core S&P Small-Cap ETF	347,703	$38M	4.6%	$81.61	—	—	464287804
AVLV	Avantis US Large Cap Value ETF	487,866	$33.28M	4.0%	$52.85	—	—	025072349
VGSH	Vanguard Short-Term Treasury Index	519,889	$30.56M	3.7%	$57.93	—	—	92206C102
IEFA	iShares Core MSCI EAFE ETF	353,472	$29.51M	3.5%	$59.68	—	—	46432F842
DFCF	Dimensional Core Fixed	680,036	$28.74M	3.4%	$43.05	—	—	25434V872
VYM	Vanguard High Dividend Yield Index Fund	211,958	$28.26M	3.4%	$88.48	—	—	921946406
SGOV	iShares 0-3 Month Treasury Bond ETF	280,604	$28.25M	3.4%	$100.63	—	—	46436E718
IWB	iShares Russell 1000 Index	80,082	$27.19M	3.3%	$114.09	—	—	464287622
AVDV	Avantis International Small Cap Value ETF	340,110	$26.96M	3.2%	$62.14	—	—	025072802
FNDF	Schwab Fundamental International Large Cap	536,476	$21.47M	2.6%	$31.02	—	—	808524755
BOXX	Alpha Architect 1-3 Month Box ETF	183,194	$20.64M	2.5%	$109.09	—	—	02072L565
PG	Procter & Gamble	118,837	$18.93M	2.3%	$73.79	+117.9%	—	742718109
DUHP	Dimensional US High Profitability ETF	524,104	$18.64M	2.2%	$31.90	—	—	25434V831
VONE	Vanguard Russell 1000 ETF	62,725	$17.62M	2.1%	$180.43	—	—	92206C730
SYLD	Cambria Shareholder Yield ETF	223,534	$14.54M	1.7%	$62.55	—	—	132061201
VFMF	Vanguard US Multifactor	105,315	$14.16M	1.7%	$98.59	—	—	921935607
IEMG	iShares Core MSCI Emerging Markets	225,469	$13.54M	1.6%	$52.21	—	—	46434G103
AVUV	Avantis U.S. Small Cap Value ETF	148,360	$13.52M	1.6%	$77.04	—	—	025072877
AVEM	Avantis Emerging Markets Equity ETF	189,751	$13.01M	1.6%	$57.24	—	—	025072604
VCRM	Vanguard Core Tax-Exempt Bond ETF	149,512	$11M	1.3%	$73.61	—	—	922907712
VEA	Vanguard FTSE Developed Markets ETF	191,193	$10.9M	1.3%	$39.08	—	—	921943858
FYLD	Cambria Foreign Shareholder Yield ETF	306,537	$8.963M	1.1%	$26.24	—	—	132061300
SUB	iShares Short-Term National Muni Bond ETF	67,363	$7.163M	0.9%	$104.51	—	—	464288158
IWF	iShares Russell 1000 Growth	14,221	$6.038M	0.7%	$373.92	—	—	464287614
SCI	Service Corp Int'l, Inc.	70,654	$5.751M	0.7%	$42.75	+82.6%	—	817565104
VSDM	Vanguard Short Duration Tax-Exempt Bond ETF	74,427	$5.635M	0.7%	$75.69	—	—	922907696
EYLD	Cambria Emerging Shareholder Yield ETF	146,180	$5.28M	0.6%	$28.82	—	—	132061706
VTV	Vanguard Large Cap Value ETF	28,429	$5.024M	0.6%	$104.19	—	—	922908744
VWO	Vanguard Emerging Market	96,774	$4.786M	0.6%	$40.00	—	—	922042858
SCHA	Schwab U.S. Small Cap ETF	180,301	$4.562M	0.5%	$28.95	—	—	808524607
IEI	iShares 3-7 Year Treasury Bond	37,465	$4.462M	0.5%	$117.03	—	—	464288661
MUB	iShares National AMT-Free Muni Bond	42,433	$4.433M	0.5%	$106.94	—	—	464288414
SCHB	Schwab U.S. Broad Market ETF	163,202	$3.889M	0.5%	$32.72	—	—	808524102
AAPL	Apple Inc	16,678	$3.422M	0.4%	$93.80	+114.7%	—	037833100
VIG	Vanguard Dividend Appreciation	13,855	$2.836M	0.3%	$105.27	—	—	921908844
IVV	iShares S&P 500 Index	4,061	$2.521M	0.3%	$215.12	—	—	464287200
SPDW	SPDR Developed World ex-US ETF	56,063	$2.27M	0.3%	$36.42	—	—	78463X889
IWM	iShares Russell 2000 Idx	9,662	$2.085M	0.2%	$138.69	—	—	464287655
OEF	iShares S&P 100 ETF	6,657	$2.026M	0.2%	$304.34	—	—	464287101
MSFT	Microsoft	3,471	$1.727M	0.2%	$170.58	+153.5%	—	594918104
VONG	Vanguard Russell 1000 Growth ETF	14,708	$1.606M	0.2%	$77.98	—	—	92206C680
SLYV	SPDR S&P 600 Small Cap Value	19,102	$1.524M	0.2%	$54.54	—	—	78464A300
SCHE	Schwab Emerging Market ETF	49,907	$1.504M	0.2%	$25.25	—	—	808524706
META	Meta Platforms Inc	2,005	$1.48M	0.2%	$254.42	+142.4%	—	30303M102
IWD	iShares Russell 1000 Value	7,173	$1.393M	0.2%	$96.60	—	—	464287598
VBK	Vanguard Small-Cap Growth ETF	4,765	$1.32M	0.2%	$132.88	—	—	922908595
NVDA	Nvidia Corp	7,969	$1.259M	0.2%	$93.93	+34.0%	—	67066G104
AMZN	Amazon.com	4,846	$1.063M	0.1%	$207.28	-4.5%	—	023135106
—	Berkshire Hath. Cl B	2,047	$994K	0.1%	$342.72	—	—	084670207
DFAS	Dimensional U.S. Small Cap ETF	15,244	$971K	0.1%	$63.70	—	—	25434V500
AVGO	Broadcom Ltd	3,408	$939K	0.1%	$146.97	+46.9%	—	11135F101
JNJ	Johnson & Johnson	6,016	$919K	0.1%	$151.55	-0.5%	—	478160104
LLY	Lilly Eli & Co	1,179	$919K	0.1%	$795.53	-2.8%	—	532457108
BSV	Vanguard Short Term Bond Index	11,095	$873K	0.1%	$83.09	—	—	921937827
JPM	JPMorgan Chase & Co	2,885	$836K	0.1%	$129.36	+95.3%	—	46625H100
XOM	Exxon Mobil Corp	7,615	$821K	0.1%	$73.48	+42.2%	—	30231G102
VV	Vanguard Large-Cap Index ETF	2,858	$815K	0.1%	$257.17	—	—	922908637
IWN	iShares Russell 2000 Value Idx	4,718	$744K	0.1%	$101.20	—	—	464287630
HD	Home Depot	1,770	$649K	0.1%	$120.21	+196.1%	—	437076102
WMB	Williams Companies	9,833	$618K	0.1%	$30.98	+86.1%	—	969457100
IJH	iShares S&P Midcap 400	9,902	$614K	0.1%	$76.68	—	—	464287507
ABBV	Abbvie Inc	3,287	$610K	0.1%	$79.55	+129.6%	—	00287Y109
VSS	Vanguard FTSE All-World ex-US Sm-Cp ETF	4,446	$597K	0.1%	$109.60	—	—	922042718
CINF	Cincinnati Financial	3,990	$594K	0.1%	$81.51	+72.9%	—	172062101
SPY	SPDR S&P 500 ETF	943	$583K	0.1%	$373.59	—	—	78462F103
MCD	McDonalds Corp	1,990	$581K	0.1%	$167.70	+81.0%	—	580135101
ISTB	iShares Core 1-5 Year USD Bond ETF	11,914	$580K	0.1%	$47.91	—	—	46432F859
TRV	Travelers Co	2,043	$547K	0.1%	$177.75	+46.7%	—	89417E109
VNQ	Vanguard Real Estate Index	6,037	$538K	0.1%	$104.59	—	—	922908553
CVX	Chevron Corp	3,739	$535K	0.1%	$95.21	+43.9%	—	166764100
SLS	Sellas Life Sciences Gro	240,000	$526K	0.1%	$1.24	+23.8%	—	81642T209
MDLZ	Mondelez Intl Inc Cl A	7,477	$504K	0.1%	$47.06	+38.4%	—	609207105
ADP	Automatic Data Processing	1,628	$502K	0.1%	$150.68	+100.7%	—	053015103
FNDA	Schwab Fundamental US Small Cap ETF	17,174	$492K	0.1%	$30.01	—	—	808524763
VTI	Vanguard Total Stock Market ETF	1,595	$485K	0.1%	$239.82	—	—	922908769
QQQ	Invesco QQQ	840	$463K	0.1%	$417.18	—	—	46090E103
—	Duke Energy Corporation	3,868	$456K	0.1%	$74.88	—	—	26441C105
VO	Vanguard Mid Cap ETF	1,603	$449K	0.1%	$261.15	—	—	922908629
NEE	Nextera Energy Inc	6,253	$434K	0.1%	$56.07	+21.5%	—	65339F101
MRSH	Marsh & McLennan	1,926	$421K	0.1%	$83.72	+166.6%	—	571748102
OTTR	Otter Tail Corp	5,266	$406K	0.0%	$55.25	+38.1%	—	689648103
GLD	SPDR Gold Trust	1,298	$396K	0.0%	$165.75	—	—	78463V107
—	Hubbell Inc Class B	910	$372K	0.0%	$223.08	—	—	443510201
SCHW	Charles Schwab Corp	3,875	$354K	0.0%	$50.91	+63.3%	—	808513105
KR	Kroger Corp	4,907	$352K	0.0%	$44.34	+53.8%	—	501044101
PEP	Pepsico Inc	2,591	$342K	0.0%	$80.54	+62.7%	—	713448108
ET	Energy Transfer LP	18,399	$334K	0.0%	$9.19	—	—	29273V100
—	Eaton Corporation	925	$330K	0.0%	$112.87	—	—	278058102
AVXL	Anavex Life Sciences	34,700	$320K	0.0%	$9.59	-11.0%	—	032797300
SCHX	Schwab US Large Cap ETF	12,864	$314K	0.0%	$31.74	—	—	808524201
SPYM	SPDR Portfolio S&P 500 ETF	4,263	$310K	0.0%	$65.68	—	—	78464A854
GOOG	Alphabet Inc Class C	1,728	$307K	0.0%	$182.46	-9.7%	—	02079K107
PNC	PNC Financial Services	1,595	$297K	0.0%	$121.59	+36.5%	—	693475105
HYDB	iShares High Yield Systematic Bond ETF	6,141	$292K	0.0%	$47.94	—	—	46435G250
—	Merck & Co	3,603	$285K	0.0%	$80.29	—	—	589331107
GOOGL	Alphabet Inc Class A	1,613	$284K	0.0%	$180.70	-9.6%	—	02079K305
UNH	Unitedhealth Group	904	$282K	0.0%	$374.94	0.0%	—	91324P102
SBUX	Starbucks Corp	3,067	$281K	0.0%	$65.66	+29.7%	—	855244109
ILCB	iShares Mstar Large Core	3,252	$279K	0.0%	$69.52	—	—	464287127
TXN	Texas Instruments	1,339	$278K	0.0%	$57.91	+200.9%	—	882508104
MTDR	Matador Resources Co	5,692	$272K	0.0%	$56.71	-22.1%	—	576485205
PAYX	Paychex Inc	1,792	$261K	0.0%	$50.93	+189.7%	—	704326107
WMT	Wal Mart Stores Inc	2,589	$253K	0.0%	$72.48	+30.7%	—	931142103
SRE	Sempra Energy	3,334	$253K	0.0%	$56.40	+28.7%	—	816851109
APD	Air Products & Chemicals Inc	883	$249K	0.0%	$136.29	+96.7%	—	009158106
MA	Mastercard Inc	440	$247K	0.0%	$461.72	+19.4%	—	57636Q104
VDE	Vanguard Energy ETF	2,070	$247K	0.0%	$101.74	—	—	92204A306
—	General Electric	954	$246K	0.0%	$257.86	—	—	369604103
CME	CME Group Inc	874	$241K	0.0%	$196.43	+36.7%	—	12572Q105
COST	Costco Wholesale Corp	238	$236K	0.0%	$773.82	+28.0%	—	22160K105
LMT	Lockheed Martin Corp	507	$235K	0.0%	$160.71	+185.7%	—	539830109
GLW	Corning Inc	4,407	$232K	0.0%	$33.68	+37.5%	—	219350105
PPL	PPL Corporation	6,630	$225K	0.0%	$29.23	+16.5%	—	69351T106
AMD	Advanced Micro Devic	1,589	$225K	0.0%	$108.87	0.0%	—	007903107
CODI	Compass Diversified	34,400	$216K	0.0%	$16.60	-33.3%	—	20451Q104
ORCL	Oracle Corp	970	$212K	0.0%	$160.80	0.0%	—	68389X105
PEY	Invesco High Yield Equity Dividend Achievers ETF	9,920	$202K	0.0%	$21.98	—	—	46137V563
FMCC	Federal Home Loan Mortgage Corporation	20,000	$165K	0.0%	$1.20	+427.1%	—	313400301
NLST	Netlist, Inc.	19,500	$14,000	0.0%	$2.66	-69.7%	—	64118P109
NWBO	NW Biotherapeutics	60,150	$14,000	0.0%	$0.82	-67.4%	—	66737P600
—	Charming Shoppes Inc	13,000	$10,000	0.0%	$1.08	—	—	161133103
—	Metaverse Capital Corp	50,000	$0	0.0%	—	—	—	37958T100
APVS	Applied Visual Scien	2,000,000	$0	0.0%	$0.00	0.0%	—	038287108
PDPR	Marathon Group Corp	300,000	$0	0.0%	$0.00	-92.9%	—	565807401