Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHD	Schwab Dow Jones US Div Eq ETF	233,142	$17.61M	5.8%	$13.31	—	ETF	808524797
SCHX	Schwab Dow Jones US Large Cap ETF	371,665	$16.78M	5.6%	$36.92	—	ETF	808524201
SGOL	ETFS Phys. Swiss Gold Shares	537,044	$9.382M	3.1%	$16.61	—	ETF	00326A104
AAPL	Apple, Inc	70,881	$9.21M	3.1%	$96.02	+46.5%	COM	037833100
VSLU	Applied Finance Valuation Lg Cap ETF	344,812	$8.134M	2.7%	$23.16	—	ETF	26923N405
MSFT	Microsoft Corp	31,670	$7.595M	2.5%	$27.81	+741.6%	COM	594918104
SCHV	Schwab Dow Jones US Large Value ETF	113,045	$7.463M	2.5%	$39.99	—	ETF	808524409
NOBL	Proshares S&P 500 Div Aristocrats	79,273	$7.134M	2.4%	$75.04	—	ETF	74348A467
MRK	Merck & Co Inc	53,652	$5.953M	2.0%	$66.02	+40.6%	COM	58933Y105
SCHM	Schwab Dow Jones US Mid-Cap ETF	87,266	$5.726M	1.9%	$45.06	—	ETF	808524508
GOOGL	Alphabet, Inc. Cl A	63,825	$5.631M	1.9%	$106.57	-11.5%	COM	02079K305
SCHG	Schwab Dow Jones US Large Growth ETF	101,192	$5.622M	1.9%	$43.21	—	ETF	808524300
JNJ	Johnson & Johnson	29,316	$5.179M	1.7%	$114.01	+37.8%	COM	478160104
SCHA	Schwab Dow Jones US Sm-Cap ETF	105,393	$4.269M	1.4%	$49.39	—	ETF	808524607
SCHF	Schwab FTSE Developed ex-US ETF	132,160	$4.257M	1.4%	$17.31	—	ETF	808524805
—	iShares iBonds Dec 2024 Muni Bd ETF	156,427	$4.028M	1.3%	$25.88	—	ETF	46435U697
FPE	First Trust Preferred Sec & Inc ETF	238,532	$4.007M	1.3%	$17.23	—	ETF	33739E108
DFAE	DFA Emerging Mkt Core Equity ETF	177,855	$3.904M	1.3%	$22.23	—	ETF	25434V302
VOO	Vanguard S&P 500 ETF	10,801	$3.795M	1.3%	$296.90	—	ETF	922908363
SDY	SPDR S&P Dividend ETF	29,101	$3.641M	1.2%	$74.09	—	ETF	78464A763
—	iShares iBonds Dec 2025 Muni Bd ETF	136,623	$3.603M	1.2%	$26.44	—	ETF	46435U432
GSIE	Goldman Sachs ActiveBeta Intl Eq ETF	116,476	$3.352M	1.1%	$33.27	—	ETF	381430107
JPM	J P Morgan Chase & Co	24,781	$3.323M	1.1%	$87.67	+34.2%	ETF	46625H100
IEMG	iShare Core MSCI Emerging Markets	70,272	$3.282M	1.1%	$46.70	—	ETF	46434G103
PG	Procter & Gamble Inc	21,137	$3.204M	1.1%	$55.49	+133.9%	COM	742718109
—	iShares iBonds Dec 2023 Muni Bd ETF	124,699	$3.161M	1.0%	$25.45	—	ETF	46435G318
PEP	Pepsico	17,385	$3.141M	1.0%	$56.73	+183.6%	COM	713448108
IJH	iShares S&P Midcap 400 Index ETF	12,868	$3.113M	1.0%	$132.66	—	ETF	464287507
IJR	iShares S&P Smallcap 600 Index ETF	30,868	$2.921M	1.0%	$85.10	—	ETF	464287804
XLRE	Real Estate Sector SPDR	78,837	$2.911M	1.0%	$40.61	—	ETF	81369Y860
—	iShares iBonds Dec 2024 Corp Bd ETF	118,616	$2.897M	1.0%	$24.70	—	ETF	46434VBG4
—	iShares iBonds Dec 2023 Corp Bd ETF	113,746	$2.847M	0.9%	$25.08	—	ETF	46434VAX8
GLD	SPDR Gold Shares	16,576	$2.812M	0.9%	$143.76	—	ETF	78463V107
CVX	ChevronTexaco Corp	15,005	$2.693M	0.9%	$79.74	+92.2%	COM	166764100
LOW	Lowes Companies	13,501	$2.69M	0.9%	$63.34	+197.1%	COM	548661107
VEU	Vanguard FTSE All-World ex-USA ETF	53,316	$2.673M	0.9%	$48.68	—	ETF	922042775
AMGN	Amgen Inc	9,949	$2.613M	0.9%	$117.32	+106.9%	COM	031162100
IBMO	iShares iBonds Dec 2026 Muni Bd ETF	98,811	$2.491M	0.8%	$25.10	—	ETF	46435U259
VNQ	Vanguard REIT	29,282	$2.415M	0.8%	$80.27	—	ETF	922908553
CVS	CVS Health Corporation	25,391	$2.366M	0.8%	$48.23	+78.2%	COM	126650100
XOM	Exxon-Mobil	18,852	$2.079M	0.7%	$52.41	+83.7%	COM	30231G102
PWR	Quanta Services Inc	14,030	$1.999M	0.7%	$122.00	+15.8%	COM	74762E102
BRK/B	Berkshire Hathaway B	6,439	$1.989M	0.7%	$151.22	+96.4%	COM	084670702
UNP	Union Pacific Corp	9,410	$1.948M	0.6%	$71.27	+166.9%	COM	907818108
LHX	L3Harris Technologies Inc	9,074	$1.889M	0.6%	$179.21	+17.7%	COM	502431109
SPY	SPDR S&P 500 ETF	4,859	$1.858M	0.6%	$300.38	—	ETF	78462F103
AMZN	Amazon.com	22,055	$1.853M	0.6%	$123.53	-20.0%	COM	023135106
BAC	Bank Of America	55,712	$1.845M	0.6%	$25.13	+26.2%	COM	060505104
AVGO	Broadcom Limited	3,274	$1.831M	0.6%	$40.38	+17.9%	COM	11135F101
MDT	Medtronic plc	23,393	$1.818M	0.6%	$86.30	-14.9%	ADR	G5960L103
CSCO	Cisco Systems	37,834	$1.802M	0.6%	$20.31	+104.2%	COM	17275R102
FIXD	First Trust TCWOpportunistic Fxd Inc ETF	40,038	$1.758M	0.6%	$49.58	—	ETF	33740F805
VTV	Vanguard Value ETF	12,267	$1.722M	0.6%	$84.95	—	ETF	922908744
RTX	Raytheon Technologies Co	16,955	$1.711M	0.6%	$88.31	-0.7%	COM	75513E101
PFE	Pfizer Inc	32,824	$1.682M	0.6%	$20.88	+92.5%	COM	717081103
DHR	Danaher Corp	6,329	$1.68M	0.6%	$43.18	+428.3%	COM	235851102
VZ	Verizon Communications	42,516	$1.675M	0.6%	$40.99	-25.0%	COM	92343V104
MCD	McDonalds Corp	6,007	$1.583M	0.5%	$84.09	+191.6%	COM	580135101
BMY	Bristol Myers Squibb	21,288	$1.532M	0.5%	$41.13	+58.6%	COM	110122108
GOOG	Alphabet, Inc. Cl C	16,890	$1.499M	0.5%	$106.94	-11.4%	COM	02079K107
IBM	International Business Machines	10,437	$1.471M	0.5%	$100.62	+22.3%	COM	459200101
TFC	Truist Finl Corp	34,042	$1.465M	0.5%	$40.80	-9.1%	COM	89832Q109
TMO	Thermo Fisher Scientific	2,645	$1.457M	0.5%	$134.68	+289.8%	COM	883556102
VUG	Vanguard Growth ETF	6,466	$1.378M	0.5%	$80.76	—	ETF	922908736
HD	Home Depot	4,246	$1.341M	0.4%	$194.89	+44.3%	COM	437076102
JHSC	JH/DFA Small Cap Multifactor ETF	42,420	$1.298M	0.4%	$29.00	—	ETF	47804J842
VBR	Vanguard Small-Cap Value ETF	8,111	$1.288M	0.4%	$150.33	—	ETF	922908611
VO	Vanguard Mid-Cap ETF	6,254	$1.275M	0.4%	$197.25	—	ETF	922908629
TIPX	SPDR Blmbrg Brcly 1-10 Yr TIP	68,056	$1.256M	0.4%	$20.79	—	ETF	78468R861
FISV	Fiserv Inc.	12,077	$1.221M	0.4%	$68.47	+45.5%	COM	337738108
EMR	Emerson Electric	12,639	$1.214M	0.4%	$46.88	+80.3%	COM	291011104
V	Visa, Inc.	5,769	$1.199M	0.4%	$80.15	+145.8%	COM	92826C839
NVDA	Nvidia Corp	8,002	$1.169M	0.4%	$17.33	-15.5%	COM	67066G104
ADP	Automatic Data Processing	4,894	$1.169M	0.4%	$49.20	+365.4%	COM	053015103
DIS	Disney Walt Co	13,384	$1.163M	0.4%	$75.91	+23.1%	COM	254687106
—	iShares iBonds Dec 2025 Corp Bd ETF	46,459	$1.13M	0.4%	$24.41	—	ETF	46434VBD1
XBI	SPDR S&P Biotech ETF	13,547	$1.124M	0.4%	$96.02	—	ETF	78464A870
VTEB	Vanguard Tax-Exempt Bond ETF	22,159	$1.097M	0.4%	$49.49	—	ETF	922907746
NEE	NextEra Energy Inc.	12,165	$1.017M	0.3%	$66.15	+11.6%	COM	65339F101
PANW	Palo Alto Networks Inc	7,016	$979K	0.3%	$67.46	+19.0%	COM	697435105
MDLZ	Mondelez Intl Inc Cl A	13,456	$897K	0.3%	$42.23	+37.4%	COM	609207105
MA	Mastercard Inc	2,527	$879K	0.3%	$142.35	+127.2%	COM	57636Q104
VIG	Vanguard Div Appreciation ETF	5,763	$875K	0.3%	$101.48	—	ETF	921908844
NKE	Nike Inc Class B	7,251	$848K	0.3%	$75.42	+26.4%	COM	654106103
CWI	SPDR MSCI Acwi Ex-US	34,890	$839K	0.3%	$29.67	—	ETF	78463X848
PBE	Invesco Biotech & Genomics ETF	13,201	$838K	0.3%	$57.40	—	ETF	46137V787
SCHZ	Schwab US AGG Bnd ETF	18,263	$834K	0.3%	$52.09	—	ETF	808524839
ITW	Illinois Tool Works	3,778	$832K	0.3%	$100.04	+97.4%	COM	452308109
CMC	Commercial Metals Co	16,476	$796K	0.3%	$23.09	+90.2%	COM	201723103
QCOM	Qualcomm Corp	7,078	$778K	0.3%	$129.39	-15.9%	COM	747525103
ROP	Roper Technologies, Inc	1,765	$763K	0.3%	$213.97	+88.8%	COM	776696106
LMT	Lockheed Martin Corp	1,499	$729K	0.2%	$169.32	+151.9%	COM	539830109
KO	Coca Cola	11,401	$725K	0.2%	$29.54	+85.9%	COM	191216100
VDC	Vanguard Consumer Staples ETF	3,721	$713K	0.2%	$125.71	—	ETF	92204A207
GPN	Global Payments, Inc.	7,117	$707K	0.2%	$163.75	-38.3%	COM	37940X102
ABBV	AbbVie Inc	4,340	$701K	0.2%	$58.54	+134.4%	COM	00287Y109
XLK	SPDR Technology Select Sector	5,490	$683K	0.2%	$71.22	—	ETF	81369Y803
SCHB	Schwab Dow Jones US Broad Mkt ETF	15,075	$676K	0.2%	$35.88	—	ETF	808524102
ABT	Abbott Labs	6,069	$666K	0.2%	$36.07	+170.6%	COM	002824100
BX	Blackstone Group Lp	8,942	$663K	0.2%	$54.62	+44.0%	COM	09260D107
ALL	Allstate Corp	4,699	$637K	0.2%	$102.11	+18.9%	COM	020002101
WMT	Wal-Mart Stores	4,349	$617K	0.2%	$35.89	+27.2%	COM	931142103
IBMP	iShares iBonds Dec 2027 Muni Bd ETF	23,807	$597K	0.2%	$25.08	—	ETF	46435U283
ORCL	Oracle Systems	6,811	$557K	0.2%	$52.75	+38.8%	COM	68389X105
UPS	UPS Inc	3,185	$554K	0.2%	$146.45	+1.1%	COM	911312106
KLAC	KLA Tencor Corp	1,429	$539K	0.2%	$315.88	+7.0%	COM	482480100
INTC	Intel Corp	20,156	$533K	0.2%	$48.79	-45.4%	COM	458140100
CFG	Citizens Financial Group	13,497	$531K	0.2%	$27.60	+22.9%	COM	174610105
TJX	TJX Cos Inc	6,559	$522K	0.2%	$39.82	+77.6%	COM	872540109
LLY	Lilly Eli & Co	1,386	$507K	0.2%	$158.49	+118.2%	COM	532457108
TSN	Tyson Foods Inc	8,055	$501K	0.2%	$51.96	+12.2%	COM	902494103
STZ	Constellation Brands	2,127	$493K	0.2%	$179.40	+26.1%	COM	21036P108
FTSL	First Trust Senior Loan ETF	10,866	$485K	0.2%	$47.04	—	ETF	33738D309
PEG	Public Svc Enterprise	7,791	$477K	0.2%	$41.63	+25.2%	COM	744573106
META	Meta Platforms Cl A	3,884	$467K	0.2%	$200.81	-41.9%	COM	30303M102
STT	State Street Boston Corp	6,000	$465K	0.2%	$44.55	+48.3%	COM	857477103
AMT	American Tower Corp	2,181	$462K	0.2%	$216.00	-13.6%	COM	03027X100
REGN	Regeneron Pharm	618	$446K	0.1%	$611.44	+20.0%	COM	75886F107
AON	AON Corp	1,366	$410K	0.1%	$191.78	+49.0%	COM	G0403H108
IVW	iShares S&P 500 Barra Gr. Fd.	6,996	$409K	0.1%	$69.75	—	ETF	464287309
VTIP	Vanguard Sht-Term Infl Prot Sec ETF	8,719	$407K	0.1%	$49.12	—	ETF	922020805
COP	Conoco Phillips	3,405	$402K	0.1%	$47.19	+131.8%	COM	20825C104
D	Dominion Res Inc Va	6,351	$389K	0.1%	$62.04	-13.5%	COM	25746U109
PM	Philip Morris Intl Inc	3,808	$385K	0.1%	$60.04	+35.4%	COM	718172109
INDB	Independent Bank Corp Ma	4,535	$383K	0.1%	$71.11	+5.6%	COM	453836108
TOTL	SPDR Doubleline Ttl Rtrn	9,240	$370K	0.1%	$159.02	—	ETF	78467V848
GS	Goldman Sachs Group	1,076	$370K	0.1%	$228.79	+40.5%	COM	38141G104
FNDX	Sch Fundamental US Large Co ETF	6,789	$363K	0.1%	$11.41	—	ETF	808524771
MO	Altria Group Inc	7,635	$349K	0.1%	$29.03	+20.7%	COM	02209S103
—	iShares iBonds Dec 2023 ETF	14,128	$349K	0.1%	$24.91	—	ETF	46436E882
MDY	S&P 400 Mid-Cap SPDR ETF	781	$346K	0.1%	$128385.95	—	ETF	78467Y107
PYPL	Paypal Holdings, Inc.	4,855	$346K	0.1%	$64.81	+23.2%	COM	70450Y103
DD	Du Pont E I De Nemours	5,038	$346K	0.1%	$21.08	+18.6%	COM	26614N102
VOE	Vanguard Mid Cap Value ETF	2,547	$344K	0.1%	$101.42	—	ETF	922908512
KLIC	Kulicke & Soffa Inds	7,781	$344K	0.1%	$51.60	-19.5%	COM	501242101
IBTE	iShares iBonds Dec 2024 ETF	14,386	$343K	0.1%	$24.44	—	ETF	46436E874
NVS	Novartis A G	3,699	$336K	0.1%	$71.89	—	COM	66987V109
XLE	Sector Spdr Engy Select	3,811	$333K	0.1%	$71.54	—	ETF	81369Y506
GE	General Electric	3,970	$333K	0.1%	$62.95	-23.1%	COM	369604301
FLOT	iShares Floating Rate Bond ETF	6,579	$331K	0.1%	$50.91	—	ETF	46429B655
—	Wells Fargo & Co 7.50 Pfd	267	$317K	0.1%	$1217.40	—	PFD	949746804
AMAT	Applied Materials	3,217	$313K	0.1%	$25.12	+271.3%	COM	038222105
—	Nuveen Inter Dur Qlty Muni	24,547	$307K	0.1%	$12.91	—	ETF	670677103
—	Chase Corp	3,550	$306K	0.1%	$95.51	—	COM	16150R104
—	Western Asset Muni Hi Income	47,977	$306K	0.1%	$7.94	—	ETF	95766N103
NOC	Northrop Grumman Corp	560	$306K	0.1%	$333.78	+48.4%	COM	666807102
DUK	Duke Energy	2,931	$302K	0.1%	$87.47	-3.0%	COM	26441C204
DEO	Diageo Plc	1,651	$294K	0.1%	$137.49	—	ADR	25243Q205
CI	Cigna	887	$294K	0.1%	$218.34	+36.9%	COM	125523100
SCHP	Schwab US TIPS ETF	5,574	$289K	0.1%	$251.73	—	ETF	808524870
SKIN	Beauty Health Company CL A ORD	31,144	$283K	0.1%	$13.06	-17.4%	COM	88331L108
SPLV	Invesco S&P 500 Low Volatility ETF	4,428	$283K	0.1%	$63.91	—	ETF	46138E354
IBDR	iShares iBonds Dec 2026 Corp Bd ETF	12,039	$281K	0.1%	$23.16	—	ETF	46435GAA0
TGT	Target Corp	1,835	$273K	0.1%	$166.54	-15.4%	COM	87612E106
MPLX	MPLX LP	8,300	$273K	0.1%	$29.74	—	COM	55336V100
COST	Costco Whsl Corp	571	$261K	0.1%	$431.20	+8.7%	COM	22160K105
VRTX	Vertex Pharmaceuticals	903	$261K	0.1%	$219.65	+38.8%	COM	92532F100
PAYX	Paychex Inc	2,246	$260K	0.1%	$100.80	+5.7%	COM	704326107
DOW	Dow Chemical	5,150	$259K	0.1%	$46.18	-12.3%	COM	260557103
CTVA	Corteva Inc	4,397	$258K	0.1%	$43.54	+40.4%	COM	22052L104
SYY	Sysco Inc	3,267	$250K	0.1%	$50.42	+46.6%	COM	871829107
VB	Vanguard Small Cap ETF	1,346	$247K	0.1%	$123.18	—	ETF	922908751
BDX	Becton Dickinson	968	$246K	0.1%	$137.19	+62.7%	COM	075887109
PPG	PPG Inds Inc	1,929	$243K	0.1%	$86.36	+32.6%	COM	693506107
KMI	Kinder Morgan Inc	13,349	$241K	0.1%	$14.31	+6.1%	COM	49456B101
VWO	Vanguard Emerging Mkt Fd ETF	6,177	$241K	0.1%	$38.98	—	ETF	922042858
MTUM	iShares MSCI USA Momentum	1,639	$239K	0.1%	$139.42	—	ETF	46432F396
HPQ	Hewlett Packard	8,711	$234K	0.1%	$15.17	+61.9%	COM	40434L105
INTU	Intuit Inc.	600	$234K	0.1%	$340.30	+14.3%	COM	461202103
—	Unilever Plc Adr New	4,500	$227K	0.1%	$50.35	—	ADR	904767704
MMM	3M Company	1,888	$226K	0.1%	$128.64	-29.5%	COM	88579Y101
BSV	Vanguard Short-Term Bond ETF	2,985	$225K	0.1%	$81.05	—	ETF	921937827
—	HACK- PureFunds ISE Cyber Security ETF	5,075	$224K	0.1%	$77.06	—	ETF	26924G201
IWM	iShares Russell 2000 Index Fund ETF	1,275	$222K	0.1%	$196.08	—	ETF	464287655
ES	Eversource Energy	2,584	$217K	0.1%	$64.33	+7.3%	COM	30040W108
VLO	Valero Energy Corp.	1,690	$214K	0.1%	$114.07	0.0%	COM	91913Y100
NSC	Norfolk Southern Corp	850	$209K	0.1%	$220.43	0.0%	COM	655844108
FVD	First Trust Value Line Div Idx	5,220	$208K	0.1%	$39.91	—	ETF	33734H106
INFL	Horizon Kinetics Infl. Bene. ETF	6,450	$203K	0.1%	$31.48	—	ETF	53656F623
IBMQ	iShares iBonds Dec 2028 Muni Bd ETF	8,045	$202K	0.1%	$25.09	—	ETF	46435U325
MLCO	MLCO	12,410	$143K	0.0%	$11.50	—	COM	585464100
SOFI	SoFi Technologies ORD	16,843	$77,646	0.0%	$4.96	0.0%	COM	83406F102
—	Ashford Hospitality Trust Inc	16,332	$73,004	0.0%	$6.80	—	COM	044103869
SNDL	Sundial Growers Inc	34,420	$71,938	0.0%	$2.38	0.0%	COM	83307B101
ONCY	Oncolytics Biotech	18,915	$30,831	0.0%	$1.32	+15.2%	COM	682310875
—	Clearside Biomedical Inc	27,023	$30,266	0.0%	$1.15	—	COM	185063104
OVID	Ovid Therapeutics Inc	15,522	$28,871	0.0%	$2.09	-18.6%	COM	690469101
—	TCR2 Therapeutics Inc	12,522	$12,507	0.0%	$1.76	—	COM	87808K106
—	MIRION TECHNOLOG	10,023	$11,226	0.0%	$1.50	—	COM	60471A119
—	Aptose Biosciences	18,915	$10,971	0.0%	$0.58	—	COM	03835T200
MDNAF	Medicenna Therapeutics Corp	12,915	$5,915	0.0%	$1.13	-45.9%	COM	58490H107
—	Document Security Systems Inc	16,123	$2,644	0.0%	$0.25	—	COM	26253C102
—	Oragenics Inc	10,468	$1,100	0.0%	$0.19	—	COM	684023302