Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHX	Schwab Dow Jones US Large Cap ETF	421,409	$22.07M	6.8%	$38.67	—	ETF	808524201
SCHD	Schwab Dow Jones US Div Eq ETF	221,345	$16.07M	5.0%	$13.31	—	ETF	808524797
AAPL	Apple, Inc	67,050	$13.01M	4.0%	$96.02	+79.2%	COM	037833100
VSLU	Applied Finance Valuation Lg Cap ETF	408,701	$11.25M	3.5%	$23.72	—	ETF	26923N405
MSFT	Microsoft Corp	30,090	$10.25M	3.2%	$27.81	+1004.7%	COM	594918104
SGOL	ETFS Phys. Swiss Gold Shares	489,520	$8.992M	2.8%	$16.61	—	COM	00326A104
GOOGL	Alphabet, Inc. Cl A	61,009	$7.303M	2.3%	$106.57	+7.2%	COM	02079K305
NOBL	Proshares S&P 500 Div Aristocrats	72,144	$6.802M	2.1%	$75.04	—	ETF	74348A467
SCHM	Schwab Dow Jones US Mid-Cap ETF	87,058	$6.184M	1.9%	$45.06	—	ETF	808524508
SCHG	Schwab Dow Jones US Large Growth ETF	80,340	$6.021M	1.9%	$43.21	—	ETF	808524300
MRK	Merck & Co Inc	51,525	$5.945M	1.8%	$66.02	+58.2%	COM	58933Y105
FPE	First Trust Preferred Sec & Inc ETF	366,324	$5.85M	1.8%	$16.79	—	ETF	33739E108
SCHV	Schwab Dow Jones US Large Value ETF	80,366	$5.392M	1.7%	$39.99	—	ETF	808524409
DFAE	Dimensional Emerg Core Equity Mkt ETF	225,807	$5.297M	1.6%	$22.41	—	ETF	25434V302
SCHF	Schwab FTSE Developed ex-US ETF	139,623	$4.978M	1.5%	$18.27	—	ETF	808524805
FIXD	First Trust TCWOpportunistic Fxd Inc ETF	101,716	$4.493M	1.4%	$46.41	—	ETF	33740F805
VOO	Vanguard S&P 500 ETF	10,745	$4.376M	1.4%	$298.82	—	ETF	922908363
JNJ	Johnson & Johnson	26,229	$4.341M	1.3%	$114.01	+30.6%	COM	478160104
GSIE	Goldman Sachs ActiveBeta Intl Eq ETF	128,675	$4.034M	1.2%	$33.05	—	ETF	381430107
SCHA	Schwab Dow Jones US Sm-Cap ETF	89,291	$3.911M	1.2%	$49.14	—	ETF	808524607
—	iShares iBonds Dec 2024 Muni Bd ETF	149,219	$3.844M	1.2%	$25.88	—	ETF	46435U697
IEMG	iShare Core MSCI Emerging Markets	76,114	$3.752M	1.2%	$46.87	—	ETF	46434G103
—	iShares iBonds Dec 2025 Muni Bd ETF	138,349	$3.643M	1.1%	$26.44	—	ETF	46435U432
JPM	J P Morgan Chase & Co	24,468	$3.559M	1.1%	$87.67	+47.9%	COM	46625H100
SDY	SPDR S&P Dividend ETF	28,861	$3.538M	1.1%	$74.09	—	ETF	78464A763
IJH	iShares S&P Midcap 400 Index ETF	12,828	$3.354M	1.0%	$132.66	—	ETF	464287507
PG	Procter & Gamble Inc	20,877	$3.168M	1.0%	$55.49	+154.7%	COM	742718109
NVDA	Nvidia Corp	7,421	$3.139M	1.0%	$17.57	+88.8%	COM	67066G104
PEP	Pepsico	16,846	$3.12M	1.0%	$56.73	+200.7%	COM	713448108
VGLT	Vanguard Long-Term Treasury ETF	48,981	$3.112M	1.0%	$63.53	—	ETF	92206C847
VEU	Vanguard FTSE All-World ex-USA ETF	56,824	$3.092M	1.0%	$49.02	—	ETF	922042775
AMZN	Amazon.com	22,475	$2.93M	0.9%	$123.05	-7.2%	COM	023135106
LOW	Lowes Companies	12,655	$2.856M	0.9%	$63.34	+212.2%	COM	548661107
IJR	iShares S&P Smallcap 600 Index ETF	28,433	$2.833M	0.9%	$85.10	—	ETF	464287804
AVGO	Broadcom Limited	3,205	$2.78M	0.9%	$40.38	+70.2%	COM	11135F101
IBMO	iShares iBonds Dec 2026 Muni Bd ETF	109,383	$2.754M	0.9%	$25.11	—	ETF	46435U259
—	iShares iBonds Dec 2024 Corp Bd ETF	110,650	$2.724M	0.8%	$24.69	—	ETF	46434VBG4
VTEB	Vanguard Tax-Exempt Bond ETF	52,892	$2.656M	0.8%	$50.10	—	ETF	922907746
GLD	SPDR Gold Shares	14,459	$2.578M	0.8%	$143.76	—	ETF	78463V107
PWR	Quanta Services Inc	12,345	$2.425M	0.7%	$122.00	+42.6%	COM	74762E102
CVX	ChevronTexaco Corp	15,335	$2.413M	0.7%	$80.50	+77.9%	COM	166764100
SPY	SPDR S&P 500 ETF	4,882	$2.164M	0.7%	$300.38	—	ETF	78462F103
AMGN	Amgen Inc	9,741	$2.163M	0.7%	$117.32	+82.1%	COM	031162100
BRK/B	Berkshire Hathaway B	6,321	$2.155M	0.7%	$151.22	+115.8%	COM	084670702
CSCO	Cisco Systems	38,841	$2.01M	0.6%	$21.20	+114.7%	COM	17275R102
MDT	Medtronic plc	22,521	$1.984M	0.6%	$86.30	-8.0%	ADR	G5960L103
XOM	Exxon-Mobil	18,353	$1.968M	0.6%	$52.41	+90.1%	COM	30231G102
GOOG	Alphabet, Inc. Cl C	16,099	$1.947M	0.6%	$106.94	+7.4%	COM	02079K107
UNP	Union Pacific Corp	9,410	$1.925M	0.6%	$71.27	+162.4%	COM	907818108
PANW	Palo Alto Networks Inc	7,016	$1.793M	0.6%	$67.46	+54.2%	COM	697435105
VUG	Vanguard Growth ETF	6,323	$1.789M	0.6%	$80.76	—	ETF	922908736
MCD	McDonalds Corp	5,929	$1.769M	0.5%	$84.09	+224.7%	COM	580135101
RTX	Raytheon Technologies Co	17,523	$1.717M	0.5%	$88.43	+4.4%	COM	75513E101
LHX	L3Harris Technologies Inc	8,759	$1.715M	0.5%	$179.21	+0.9%	COM	502431109
VTV	Vanguard Value ETF	11,984	$1.703M	0.5%	$84.95	—	ETF	922908744
VNQ	Vanguard REIT	20,121	$1.681M	0.5%	$80.27	—	ETF	922908553
CVS	CVS Health Corporation	24,074	$1.664M	0.5%	$48.53	+32.5%	COM	126650100
VZ	Verizon Communications	43,216	$1.607M	0.5%	$40.76	-23.5%	COM	92343V104
BAC	Bank Of America	55,956	$1.605M	0.5%	$25.13	+5.9%	COM	060505104
DHR	Danaher Corp	6,244	$1.499M	0.5%	$43.18	+383.4%	COM	235851102
FISV	Fiserv Inc	11,575	$1.46M	0.5%	$68.47	+71.9%	COM	337738108
VO	Vanguard Mid-Cap ETF	6,432	$1.416M	0.4%	$197.75	—	ETF	922908629
IBM	International Business Machines	10,519	$1.408M	0.4%	$100.62	+17.3%	COM	459200101
JHSC	JH/DFA Small Cap Multifactor ETF	41,011	$1.372M	0.4%	$29.00	—	ETF	47804J842
BMY	Bristol Myers Squibb	21,394	$1.368M	0.4%	$41.13	+43.3%	COM	110122108
TMO	Thermo Fisher Scientific	2,601	$1.357M	0.4%	$134.68	+297.4%	COM	883556102
VBR	Vanguard Small-Cap Value ETF	7,973	$1.319M	0.4%	$150.46	—	ETF	922908611
HD	Home Depot	4,174	$1.296M	0.4%	$194.89	+41.8%	COM	437076102
V	Visa, Inc.	5,396	$1.281M	0.4%	$80.15	+180.0%	COM	92826C839
—	iShares iBonds Dec 2023 Muni Bd ETF	49,785	$1.269M	0.4%	$25.45	—	ETF	46435G318
PFE	Pfizer Inc	32,742	$1.201M	0.4%	$20.88	+59.1%	COM	717081103
DIS	Disney Walt Co	13,301	$1.187M	0.4%	$75.91	+21.9%	COM	254687106
—	iShares iBonds Dec 2025 Corp Bd ETF	45,972	$1.121M	0.3%	$24.42	—	ETF	46434VBD1
EMR	Emerson Electric	11,889	$1.075M	0.3%	$46.88	+70.8%	COM	291011104
ADP	Automatic Data Processing	4,744	$1.043M	0.3%	$49.20	+313.1%	COM	053015103
META	Meta Platforms Cl A	3,601	$1.033M	0.3%	$200.01	+22.5%	COM	30303M102
XBI	SPDR S&P Biotech ETF	12,097	$1.006M	0.3%	$96.02	—	ETF	78464A870
MDLZ	Mondelez Intl Inc Cl A	13,456	$981K	0.3%	$42.23	+62.3%	COM	609207105
—	iShares iBonds Dec 2023 Corp Bd ETF	38,619	$977K	0.3%	$25.08	—	ETF	46434VAX8
MA	Mastercard Inc	2,481	$976K	0.3%	$142.35	+159.8%	COM	57636Q104
XLK	SPDR Technology Select Sector	5,558	$966K	0.3%	$74.88	—	ETF	81369Y803
ITW	Illinois Tool Works	3,703	$926K	0.3%	$100.04	+119.5%	COM	452308109
NEE	NextEra Energy Inc.	12,220	$907K	0.3%	$66.23	+5.7%	COM	65339F101
VIG	Vanguard Div Appreciation ETF	5,517	$896K	0.3%	$101.48	—	ETF	921908844
DFAI	Dimensional International Core Equity Mkt ETF	31,825	$869K	0.3%	$27.19	—	ETF	25434V203
ROP	Roper Technologies, Inc	1,765	$849K	0.3%	$213.97	+108.1%	COM	776696106
IBMP	iShares iBonds Dec 2027 Muni Bd ETF	33,827	$848K	0.3%	$25.07	—	ETF	46435U283
QCOM	Qualcomm Corp	7,118	$847K	0.3%	$129.39	-16.3%	COM	747525103
CWI	SPDR MSCI Acwi Ex-US	31,596	$826K	0.3%	$29.67	—	ETF	78463X848
CRM	Salesforce Com	3,854	$814K	0.3%	$166.88	+20.9%	COM	79466L302
BX	Blackstone Group Lp	8,659	$805K	0.2%	$54.62	+46.7%	COM	09260D107
SCHB	Schwab Dow Jones US Broad Mkt ETF	15,467	$800K	0.2%	$36.28	—	ETF	808524102
JMUB	J.P. Morgan Municipal ETF	15,875	$797K	0.2%	$50.48	—	ETF	46641Q647
ORCL	Oracle Systems	6,695	$797K	0.2%	$52.75	+90.3%	COM	68389X105
PBE	Invesco Biotech & Genomics ETF	12,811	$785K	0.2%	$57.40	—	ETF	46137V787
CMC	Commercial Metals Co	14,586	$768K	0.2%	$23.09	+94.9%	COM	201723103
NKE	Nike Inc Class B	6,801	$751K	0.2%	$75.42	+47.6%	COM	654106103
VDC	Vanguard Consumer Staples ETF	3,721	$724K	0.2%	$125.71	—	ETF	92204A207
TFC	Truist Finl Corp	22,822	$693K	0.2%	$40.80	-34.0%	COM	89832Q109
KO	Coca Cola	11,403	$687K	0.2%	$29.54	+94.2%	COM	191216100
WMT	Wal-Mart Stores	4,349	$684K	0.2%	$35.89	+36.4%	COM	931142103
KLAC	KLA Tencor Corp	1,407	$682K	0.2%	$315.88	+29.1%	COM	482480100
SCHZ	Schwab US AGG Bnd ETF	14,310	$661K	0.2%	$52.02	—	ETF	808524839
LLY	Lilly Eli & Co	1,380	$647K	0.2%	$158.49	+159.6%	COM	532457108
LMT	Lockheed Martin Corp	1,381	$636K	0.2%	$169.32	+154.8%	COM	539830109
ABT	Abbott Labs	5,668	$618K	0.2%	$36.07	+181.3%	COM	002824100
CFG	Citizens Financial Group	22,750	$593K	0.2%	$28.35	-13.6%	COM	174610105
TJX	TJX Cos Inc	6,693	$567K	0.2%	$41.06	+85.5%	COM	872540109
UPS	UPS Inc	3,086	$553K	0.2%	$146.45	+5.5%	COM	911312106
STZ	Constellation Brands	2,203	$542K	0.2%	$180.90	+23.1%	COM	21036P108
ABBV	AbbVie Inc	4,020	$542K	0.2%	$58.54	+128.4%	COM	00287Y109
IVW	iShares S&P 500 Barra Gr. Fd.	6,782	$478K	0.1%	$69.75	—	ETF	464287309
AMAT	Applied Materials	3,204	$463K	0.1%	$25.12	+386.7%	COM	038222105
INTC	Intel Corp	13,772	$461K	0.1%	$48.79	-37.0%	COM	458140100
ALL	Allstate Corp	4,188	$457K	0.1%	$102.11	+4.6%	COM	020002101
PEG	Public Svc Enterprise	7,222	$452K	0.1%	$41.80	+36.6%	COM	744573106
TSN	Tyson Foods Inc	8,723	$445K	0.1%	$51.85	-4.4%	COM	902494103
AMT	American Tower Corp	2,267	$440K	0.1%	$214.83	-17.1%	COM	03027X100
STT	State Street Boston Corp	6,000	$439K	0.1%	$44.55	+47.2%	COM	857477103
AON	AON Corp	1,270	$438K	0.1%	$191.78	+66.2%	COM	G0403H108
GE	General Electric	3,970	$436K	0.1%	$62.95	+26.8%	COM	369604301
GPN	Global Payments, Inc.	4,365	$430K	0.1%	$163.75	-38.9%	COM	37940X102
TOTL	SPDR Doubleline Ttl Rtrn	9,643	$391K	0.1%	$148.67	—	ETF	78467V848
REGN	Regeneron Pharm	538	$387K	0.1%	$611.44	+25.4%	COM	75886F107
FNDX	Sch Fundamental US Large Co ETF	6,575	$379K	0.1%	$11.41	—	ETF	808524771
MDY	S&P 400 Mid-Cap SPDR ETF	781	$374K	0.1%	$128385.95	—	ETF	78467Y107
NVS	Novartis A G	3,699	$373K	0.1%	$71.89	—	ADR	66987V109
PM	Philip Morris Intl Inc	3,783	$369K	0.1%	$60.04	+40.7%	COM	718172109
DD	Du Pont E I De Nemours	5,038	$360K	0.1%	$21.08	+28.9%	COM	26614N102
VOE	Vanguard Mid Cap Value ETF	2,563	$355K	0.1%	$101.42	—	ETF	922908512
COP	Conoco Phillips	3,405	$353K	0.1%	$47.19	+100.2%	COM	20825C104
—	Chase Corp	2,875	$349K	0.1%	$95.51	—	COM	16150R104
GS	Goldman Sachs Group	1,053	$340K	0.1%	$228.79	+34.6%	COM	38141G104
IBTE	iShares iBonds Dec 2024 ETF	14,262	$339K	0.1%	$24.43	—	ETF	46436E874
D	Dominion Res Inc Va	6,351	$329K	0.1%	$62.04	-23.3%	COM	25746U109
—	Nuveen Inter Dur Qlty Muni	24,908	$321K	0.1%	$12.91	—	ETF	670677103
—	Western Asset Muni Hi Income	48,858	$320K	0.1%	$7.94	—	ETF	95766N103
—	Wells Fargo & Co 7.50pcnt Pfd	273	$314K	0.1%	$1216.23	—	PFD	949746804
XLE	Sector Spdr Engy Select	3,850	$313K	0.1%	$71.79	—	ETF	81369Y506
COST	Costco Whsl Corp	577	$310K	0.1%	$431.96	+12.8%	COM	22160K105
MO	Altria Group Inc	6,635	$301K	0.1%	$29.03	+26.0%	COM	02209S103
DEO	Diageo Plc	1,651	$286K	0.1%	$137.49	—	ADR	25243Q205
KLIC	Kulicke & Soffa Inds	4,810	$286K	0.1%	$51.60	-4.8%	COM	501242101
PPG	PPG Inds Inc	1,927	$286K	0.1%	$86.36	+52.5%	COM	693506107
VXUS	Vanguard Total International Stock	5,082	$285K	0.1%	$55.28	—	ETF	921909768
PYPL	Paypal Holdings, Inc.	4,257	$284K	0.1%	$64.81	+4.9%	COM	70450Y103
IBDR	iShares iBonds Dec 2026 Corp Bd ETF	12,039	$283K	0.1%	$23.16	—	ETF	46435GAA0
MPLX	MPLX LP	8,300	$282K	0.1%	$29.74	—	COM	55336V100
INTU	Intuit Inc.	600	$275K	0.1%	$340.30	+26.6%	COM	461202103
VB	Vanguard Small Cap ETF	1,356	$270K	0.1%	$123.18	—	ETF	922908751
HPQ	Hewlett Packard	8,747	$269K	0.1%	$15.17	+78.8%	COM	40434L105
VRTX	Vertex Pharmaceuticals	758	$267K	0.1%	$219.65	+53.4%	COM	92532F100
DUK	Duke Energy	2,931	$263K	0.1%	$87.47	-2.7%	COM	26441C204
SKIN	Beauty Health Company CL A ORD	31,144	$261K	0.1%	$12.81	-18.9%	ADR	88331L108
BDX	Becton Dickinson	968	$256K	0.1%	$137.19	+76.4%	COM	075887109
NOC	Northrop Grumman Corp	560	$255K	0.1%	$333.78	+30.0%	COM	666807102
DOW	Dow Chemical	4,751	$253K	0.1%	$46.18	-2.0%	COM	260557103
SPLV	Invesco S&P 500 Low Volatility ETF	4,028	$253K	0.1%	$63.91	—	ETF	46138E354
CTVA	Corteva Inc	4,397	$252K	0.1%	$43.54	+30.1%	COM	22052L104
IBMQ	iShares iBonds Dec 2028 Muni Bd ETF	10,004	$252K	0.1%	$25.19	—	ETF	46435U325
—	HACK- ETFMG Prime Cyber Security ETF	4,976	$252K	0.1%	$77.06	—	ETF	26924G201
TIPX	SPDR Blmbrg Brcly 1-10 Yr TIP ETF	13,563	$250K	0.1%	$20.79	—	ETF	78468R861
VWO	Vanguard Emerging Mkt Fd ETF	6,130	$249K	0.1%	$38.98	—	ETF	922042858
VGT	Vanguard Info Technology	557	$246K	0.1%	$385.47	—	ETF	92204A702
TGT	Target Corp	1,859	$245K	0.1%	$166.19	-18.8%	COM	87612E106
TSLA	Tesla Motors Inc	931	$244K	0.1%	$199.96	0.0%	COM	88160R101
CI	Cigna	858	$241K	0.1%	$218.34	+13.6%	COM	125523100
IWM	iShares Russell 2000 Index Fund ETF	1,275	$239K	0.1%	$196.08	—	ETF	464287655
SYY	Sysco Inc	3,214	$238K	0.1%	$50.42	+35.9%	COM	871829107
WYNN	Wynn Resorts	2,255	$238K	0.1%	$102.04	+2.2%	COM	983134107
—	Unilever Plc Adr New	4,500	$235K	0.1%	$50.35	—	ADR	904767704
CARR	Carrier Global Corp	4,696	$233K	0.1%	$43.10	-1.4%	COM	14448C104
VLO	Valero Energy Corp.	1,861	$218K	0.1%	$113.24	-5.3%	COM	91913Y100
IVE	iShares S&P 500 Value ETF	1,353	$218K	0.1%	$151.76	—	ETF	464287408
—	TE Connectivity Ltd	1,550	$217K	0.1%	$131.15	—	COM	H84989104
MTUM	iShares MSCI USA Momentum	1,489	$215K	0.1%	$139.42	—	ETF	46432F396
KMI	Kinder Morgan Inc	12,119	$209K	0.1%	$14.31	+3.3%	COM	49456B101
MLCO	MLCO	12,410	$152K	0.0%	$11.50	—	COM	585464100
—	Ashford Hospitality Trust Inc	16,332	$60,918	0.0%	$6.80	—	COM	044103869
OVID	Ovid Therapeutics Inc	16,522	$54,192	0.0%	$2.17	+56.4%	COM	690469101
ONCY	Oncolytics Biotech	18,915	$49,179	0.0%	$1.32	+26.0%	COM	682310875
SNDL	Sundial Growers Inc	34,420	$47,155	0.0%	$2.38	-36.2%	COM	83307B101
—	Clearside Biomedical Inc	27,023	$30,266	0.0%	$1.15	—	COM	185063104
—	MIRION TECHNOLOG	10,023	$18,242	0.0%	$1.50	—	COM	60471A119
ADAPY	Adaptimmune Therapeutics PLC	19,364	$17,912	0.0%	$0.93	—	ADR	00653A107
—	Document Security Systems Inc	18,523	$6,644	0.0%	$0.25	—	COM	26253C102
MDNAF	Medicenna Therapeutics Corp	12,915	$6,221	0.0%	$1.13	-45.3%	COM	58490H107