Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHX	Schwab Dow Jones US Large Cap ETF	441,865	$22.36M	7.3%	$39.22	—	ETF	808524201
SCHD	Schwab Dow Jones US Div Eq ETF	226,405	$16.02M	5.3%	$14.60	—	ETF	808524797
VSLU	Applied Finance Valuation Lg Cap ETF	446,384	$11.97M	3.9%	$23.98	—	ETF	26923N405
AAPL	Apple, Inc	65,098	$11.15M	3.7%	$96.02	+88.8%	COM	037833100
MSFT	Microsoft Corp	29,718	$9.383M	3.1%	$27.81	+1067.1%	COM	594918104
SGOL	ETFS Phys. Swiss Gold Shares	495,893	$8.772M	2.9%	$16.63	—	ETF	00326A104
GOOGL	Alphabet, Inc. Cl A	59,099	$7.734M	2.5%	$106.57	+20.5%	COM	02079K305
NOBL	Proshares S&P 500 Div Aristocrats	76,452	$6.77M	2.2%	$75.80	—	ETF	74348A467
SCHM	Schwab Dow Jones US Mid-Cap ETF	86,716	$5.869M	1.9%	$45.06	—	ETF	808524508
DFAE	Dimensional Emerg Core Equity Mkt ETF	251,346	$5.673M	1.9%	$22.43	—	ETF	25434V302
FIXD	First Trust TCWOpportunistic Fxd Inc ETF	133,971	$5.634M	1.8%	$45.36	—	ETF	33740F805
SCHG	Schwab Dow Jones US Large Growth ETF	76,106	$5.534M	1.8%	$43.21	—	ETF	808524300
FPE	First Trust Preferred Sec & Inc ETF	336,199	$5.369M	1.8%	$16.79	—	ETF	33739E108
MRK	Merck & Co Inc	50,121	$5.16M	1.7%	$66.02	+51.2%	COM	58933Y105
SCHV	Schwab Dow Jones US Large Value ETF	76,144	$4.908M	1.6%	$39.99	—	ETF	808524409
SCHF	Schwab FTSE Developed ex-US ETF	140,697	$4.778M	1.6%	$18.27	—	ETF	808524805
VOO	Vanguard S&P 500 ETF	11,084	$4.353M	1.4%	$301.69	—	ETF	922908363
GSIE	Goldman Sachs ActiveBeta Intl Eq ETF	135,382	$4.066M	1.3%	$32.90	—	ETF	381430107
JNJ	Johnson & Johnson	25,259	$3.934M	1.3%	$114.01	+34.5%	COM	478160104
—	iShares iBonds Dec 2024 Muni Bd ETF	148,687	$3.82M	1.3%	$25.88	—	ETF	46435U697
VTEB	Vanguard Tax-Exempt Bond ETF	76,552	$3.682M	1.2%	$49.48	—	ETF	922907746
SCHA	Schwab Dow Jones US Sm-Cap ETF	88,194	$3.653M	1.2%	$49.14	—	ETF	808524607
—	iShares iBonds Dec 2025 Muni Bd ETF	138,956	$3.624M	1.2%	$26.44	—	ETF	46435U432
JPM	J P Morgan Chase & Co	24,089	$3.493M	1.1%	$87.67	+62.3%	COM	46625H100
NVDA	Nvidia Corp	7,141	$3.106M	1.0%	$17.57	+154.8%	COM	67066G104
SDY	SPDR S&P Dividend ETF	26,971	$3.102M	1.0%	$74.09	—	ETF	78464A763
IJH	iShares S&P Midcap 400 Index ETF	12,258	$3.057M	1.0%	$132.66	—	ETF	464287507
AMZN	Amazon.com	23,864	$3.034M	1.0%	$123.69	+8.3%	COM	023135106
PG	Procter & Gamble Inc	20,558	$2.999M	1.0%	$55.49	+159.7%	COM	742718109
VEU	Vanguard FTSE All-World ex-USA ETF	57,071	$2.96M	1.0%	$49.02	—	ETF	922042775
PEP	Pepsico	16,360	$2.772M	0.9%	$56.73	+194.7%	COM	713448108
IBMO	iShares iBonds Dec 2026 Muni Bd ETF	110,401	$2.739M	0.9%	$25.11	—	ETF	46435U259
—	iShares iBonds Dec 2024 Corp Bd ETF	109,828	$2.716M	0.9%	$24.69	—	ETF	46434VBG4
IEMG	iShare Core MSCI Emerging Markets	56,517	$2.69M	0.9%	$46.87	—	ETF	46434G103
AVGO	Broadcom Limited	3,234	$2.686M	0.9%	$40.38	+108.0%	COM	11135F101
CVX	ChevronTexaco Corp	15,207	$2.564M	0.8%	$80.50	+81.1%	COM	166764100
AMGN	Amgen Inc	9,474	$2.546M	0.8%	$117.32	+97.6%	COM	031162100
LOW	Lowes Companies	12,175	$2.53M	0.8%	$63.34	+239.3%	COM	548661107
IJR	iShares S&P Smallcap 600 Index ETF	26,508	$2.5M	0.8%	$85.10	—	ETF	464287804
BRK/B	Berkshire Hathaway B	6,316	$2.212M	0.7%	$151.22	+134.6%	COM	084670702
PWR	Quanta Services Inc	11,795	$2.207M	0.7%	$122.00	+63.8%	COM	74762E102
GLD	SPDR Gold Shares	12,794	$2.194M	0.7%	$143.76	—	ETF	78463V107
GOOG	Alphabet, Inc. Cl C	15,956	$2.104M	0.7%	$106.94	+20.7%	COM	02079K107
SPY	SPDR S&P 500 ETF	4,776	$2.042M	0.7%	$300.38	—	ETF	78462F103
CSCO	Cisco Systems	37,126	$1.996M	0.7%	$21.20	+137.3%	COM	17275R102
UNP	Union Pacific Corp	9,365	$1.907M	0.6%	$71.27	+189.3%	COM	907818108
XOM	Exxon-Mobil	14,307	$1.682M	0.6%	$52.41	+92.7%	COM	30231G102
MDT	Medtronic plc	21,179	$1.66M	0.5%	$86.30	-9.9%	ADR	G5960L103
PANW	Palo Alto Networks Inc	6,832	$1.602M	0.5%	$67.46	+75.4%	COM	697435105
VTV	Vanguard Value ETF	11,488	$1.585M	0.5%	$84.95	—	ETF	922908744
MCD	McDonalds Corp	5,829	$1.536M	0.5%	$84.09	+220.5%	COM	580135101
VUG	Vanguard Growth ETF	5,637	$1.535M	0.5%	$80.76	—	ETF	922908736
CVS	CVS Health Corporation	21,867	$1.527M	0.5%	$48.53	+33.1%	COM	126650100
VO	Vanguard Mid-Cap ETF	7,320	$1.524M	0.5%	$199.03	—	ETF	922908629
BAC	Bank Of America	55,262	$1.513M	0.5%	$25.13	+10.7%	COM	060505104
LHX	L3Harris Technologies Inc	8,640	$1.504M	0.5%	$179.21	-2.4%	COM	502431109
DHR	Danaher Corp	5,804	$1.44M	0.5%	$43.18	+409.9%	COM	235851102
IBM	International Business Machines	10,235	$1.436M	0.5%	$100.62	+30.9%	COM	459200101
VNQ	Vanguard REIT	18,972	$1.435M	0.5%	$80.27	—	ETF	922908553
JHSC	JH/DFA Small Cap Multifactor ETF	41,081	$1.322M	0.4%	$29.00	—	ETF	47804J842
TMO	Thermo Fisher Scientific	2,561	$1.296M	0.4%	$134.68	+292.7%	COM	883556102
—	iShares iBonds Dec 2023 Muni Bd ETF	49,785	$1.271M	0.4%	$25.45	—	ETF	46435G318
FISV	Fiserv Inc	11,223	$1.268M	0.4%	$68.47	+79.9%	COM	337738108
RTX	RTX Corp.	17,578	$1.265M	0.4%	$88.43	-8.1%	COM	75513E101
VBR	Vanguard Small-Cap Value ETF	7,906	$1.261M	0.4%	$150.46	—	ETF	922908611
HD	Home Depot	3,989	$1.205M	0.4%	$194.89	+55.5%	COM	437076102
V	Visa, Inc.	5,147	$1.184M	0.4%	$80.15	+194.7%	COM	92826C839
BMY	Bristol Myers Squibb	20,388	$1.183M	0.4%	$41.13	+32.1%	COM	110122108
EMR	Emerson Electric	11,889	$1.148M	0.4%	$46.88	+94.5%	COM	291011104
ADP	Automatic Data Processing	4,744	$1.141M	0.4%	$49.20	+369.8%	COM	053015103
VZ	Verizon Communications	34,771	$1.127M	0.4%	$40.76	-28.9%	COM	92343V104
—	iShares iBonds Dec 2025 Corp Bd ETF	45,443	$1.107M	0.4%	$24.42	—	ETF	46434VBD1
META	Meta Platforms Cl A	3,466	$1.041M	0.3%	$200.01	+49.6%	COM	30303M102
PFE	Pfizer Inc	31,326	$1.039M	0.3%	$20.88	+46.4%	COM	717081103
JMUB	J.P. Morgan Municipal ETF	21,438	$1.037M	0.3%	$49.93	—	ETF	46641Q647
MA	Mastercard Inc	2,494	$987K	0.3%	$142.35	+178.3%	COM	57636Q104
SCHB	Schwab Dow Jones US Broad Mkt ETF	18,366	$916K	0.3%	$38.43	—	ETF	808524102
XLK	SPDR Technology Select Sector	5,577	$914K	0.3%	$74.88	—	ETF	81369Y803
—	iShares iBonds Dec 2023 Corp Bd ETF	35,821	$908K	0.3%	$25.08	—	ETF	46434VAX8
DFAI	Dimensional International Core Equity Mkt ETF	34,576	$903K	0.3%	$27.11	—	ETF	25434V203
BX	Blackstone Group Lp	8,369	$897K	0.3%	$54.62	+78.4%	COM	09260D107
MDLZ	Mondelez Intl Inc Cl A	12,543	$870K	0.3%	$42.23	+59.2%	COM	609207105
QCOM	Qualcomm Corp	7,837	$870K	0.3%	$127.62	-13.8%	COM	747525103
XBI	SPDR S&P Biotech ETF	11,522	$841K	0.3%	$96.02	—	ETF	78464A870
VIG	Vanguard Div Appreciation ETF	5,379	$836K	0.3%	$101.48	—	ETF	921908844
IBMP	iShares iBonds Dec 2027 Muni Bd ETF	33,827	$828K	0.3%	$25.07	—	ETF	46435U283
ROP	Roper Technologies, Inc	1,704	$825K	0.3%	$213.97	+125.6%	COM	776696106
ITW	Illinois Tool Works	3,533	$814K	0.3%	$100.04	+130.0%	COM	452308109
CWI	SPDR MSCI Acwi Ex-US	32,347	$805K	0.3%	$29.56	—	ETF	78463X848
CRM	Salesforce Com	3,880	$787K	0.3%	$166.88	+27.9%	COM	79466L302
LLY	Lilly Eli & Co	1,380	$741K	0.2%	$158.49	+219.8%	COM	532457108
NEE	NextEra Energy Inc.	12,522	$717K	0.2%	$66.18	-2.7%	COM	65339F101
DIS	Disney Walt Co	8,825	$715K	0.2%	$75.91	+9.9%	COM	254687106
CMC	Commercial Metals Co	14,370	$710K	0.2%	$23.09	+127.8%	COM	201723103
ORCL	Oracle Systems	6,695	$709K	0.2%	$52.75	+113.8%	COM	68389X105
VDC	Vanguard Consumer Staples ETF	3,721	$680K	0.2%	$125.71	—	ETF	92204A207
WMT	Wal-Mart Stores	4,202	$672K	0.2%	$35.89	+44.4%	COM	931142103
KO	Coca Cola	11,405	$638K	0.2%	$29.54	+88.7%	COM	191216100
PBE	Invesco Biotech & Genomics ETF	11,186	$638K	0.2%	$57.40	—	ETF	46137V787
SCHZ	Schwab US AGG Bnd ETF	14,382	$636K	0.2%	$52.02	—	ETF	808524839
NKE	Nike Inc Class B	6,652	$636K	0.2%	$75.42	+30.3%	COM	654106103
CFG	Citizens Financial Group	22,454	$602K	0.2%	$28.35	-9.1%	COM	174610105
KLAC	KLA Tencor Corp	1,272	$583K	0.2%	$315.88	+48.6%	COM	482480100
TJX	TJX Cos Inc	6,143	$546K	0.2%	$41.06	+107.9%	COM	872540109
ABT	Abbott Labs	5,577	$540K	0.2%	$36.07	+178.5%	COM	002824100
LMT	Lockheed Martin Corp	1,281	$524K	0.2%	$169.32	+145.2%	COM	539830109
MUNI	Pimco Intermediate Muni ETF	10,411	$521K	0.2%	$50.07	—	ETF	72201R866
GPN	Global Payments, Inc.	4,267	$492K	0.2%	$163.75	-29.1%	COM	37940X102
INTC	Intel Corp	13,735	$488K	0.2%	$48.79	-29.9%	COM	458140100
STZ	Constellation Brands	1,791	$450K	0.1%	$180.90	+37.8%	COM	21036P108
AMAT	Applied Materials	3,204	$444K	0.1%	$25.12	+458.9%	COM	038222105
UPS	UPS Inc	2,832	$441K	0.1%	$146.45	+3.5%	COM	911312106
IVW	iShares S&P 500 Barra Gr. Fd.	6,268	$429K	0.1%	$69.75	—	ETF	464287309
TSN	Tyson Foods Inc	8,426	$425K	0.1%	$51.85	-5.6%	COM	902494103
AON	AON Corp	1,271	$412K	0.1%	$191.78	+69.6%	ADR	G0403H108
COP	Conoco Phillips	3,405	$408K	0.1%	$47.19	+128.6%	COM	20825C104
TOTL	SPDR Doubleline Ttl Rtrn	10,511	$406K	0.1%	$139.58	—	ETF	78467V848
REGN	Regeneron Pharm	493	$406K	0.1%	$611.44	+27.8%	COM	75886F107
STT	State Street Boston Corp	6,003	$402K	0.1%	$44.55	+45.7%	COM	857477103
NVS	Novartis A G	3,699	$377K	0.1%	$71.89	—	ADR	66987V109
PEG	Public Svc Enterprise	6,504	$370K	0.1%	$41.80	+35.7%	COM	744573106
—	Chase Corp	2,875	$366K	0.1%	$95.51	—	COM	16150R104
MDY	S&P 400 Mid-Cap SPDR ETF	781	$357K	0.1%	$128385.95	—	ETF	78467Y107
AMT	American Tower Corp	2,129	$350K	0.1%	$214.83	-22.0%	COM	03027X100
XLE	Sector Spdr Engy Select	3,850	$348K	0.1%	$71.79	—	ETF	81369Y506
FNDX	Sch Fundamental US Large Co ETF	6,094	$341K	0.1%	$11.41	—	ETF	808524771
IBTE	iShares iBonds Dec 2024 ETF	14,195	$338K	0.1%	$24.43	—	ETF	46436E874
VOE	Vanguard Mid Cap Value ETF	2,572	$337K	0.1%	$101.42	—	ETF	922908512
GE	General Electric	3,033	$335K	0.1%	$62.95	+40.8%	COM	369604301
COST	Costco Whsl Corp	577	$326K	0.1%	$431.96	+23.2%	COM	22160K105
PM	Philip Morris Intl Inc	3,427	$317K	0.1%	$60.04	+43.5%	COM	718172109
—	Wells Fargo Co 7.50 Pfd	276	$307K	0.1%	$1215.12	—	PFD	949746804
INTU	Intuit Inc.	600	$307K	0.1%	$340.30	+46.6%	COM	461202103
GS	Goldman Sachs Group	931	$301K	0.1%	$228.79	+37.8%	COM	38141G104
TLT	iShares 20 Year Treasury Bd ETF	3,333	$296K	0.1%	$88.69	—	ETF	464287432
MPLX	MPLX LP	8,300	$295K	0.1%	$29.74	—	COM	55336V100
D	Dominion Res Inc Va	6,351	$284K	0.1%	$62.04	-29.0%	COM	25746U109
IBDR	iShares iBonds Dec 2026 Corp Bd ETF	12,039	$281K	0.1%	$23.16	—	ETF	46435GAA0
VXUS	Vanguard Total International Stock	5,104	$273K	0.1%	$55.28	—	ETF	921909768
VRTX	Vertex Pharmaceuticals	763	$265K	0.1%	$219.65	+59.2%	COM	92532F100
MO	Altria Group Inc	6,254	$263K	0.1%	$29.03	+25.5%	COM	02209S103
CARR	Carrier Global Corp	4,696	$259K	0.1%	$43.10	+24.0%	COM	14448C104
DUK	Duke Energy	2,931	$259K	0.1%	$87.47	-4.5%	COM	26441C204
PYPL	Paypal Holdings, Inc.	4,412	$258K	0.1%	$64.81	+0.2%	COM	70450Y103
VB	Vanguard Small Cap ETF	1,356	$256K	0.1%	$123.18	—	ETF	922908751
—	HACK- ETFMG Prime Cyber Security ETF	4,966	$256K	0.1%	$77.06	—	ETF	26924G201
DD	Du Pont E I De Nemours	3,390	$253K	0.1%	$21.08	+41.8%	ADR	26614N102
BDX	Becton Dickinson	975	$252K	0.1%	$137.19	+88.3%	COM	075887109
PPG	PPG Inds Inc	1,920	$249K	0.1%	$86.36	+54.0%	COM	693506107
CI	Cigna	861	$246K	0.1%	$218.34	+24.9%	COM	125523100
DEO	Diageo Plc	1,651	$246K	0.1%	$137.49	—	ADR	25243Q205
NOC	Northrop Grumman Corp	558	$246K	0.1%	$333.78	+26.3%	COM	666807102
IBMQ	iShares iBonds Dec 2028 Muni Bd ETF	10,004	$244K	0.1%	$25.19	—	ETF	46435U325
SPLV	Invesco S&P 500 Low Volatility ETF	4,028	$237K	0.1%	$63.91	—	ETF	46138E354
HPQ	Hewlett Packard	9,070	$233K	0.1%	$15.62	+79.0%	COM	40434L105
TSLA	Tesla Motors Inc	906	$227K	0.1%	$199.96	+28.5%	COM	88160R101
IWM	iShares Russell 2000 Index Fund ETF	1,275	$225K	0.1%	$196.08	—	ETF	464287655
—	Unilever Plc Adr New	4,500	$222K	0.1%	$50.35	—	ADR	904767704
KLIC	Kulicke & Soffa Inds	4,385	$213K	0.1%	$51.60	-1.8%	COM	501242101
VLO	Valero Energy Corp.	1,484	$210K	0.1%	$113.24	+7.8%	COM	91913Y100
WYNN	Wynn Resorts	2,255	$208K	0.1%	$102.04	-4.1%	COM	983134107
MTUM	iShares MSCI USA Momentum	1,489	$208K	0.1%	$139.42	—	ETF	46432F396
KMI	Kinder Morgan Inc	12,529	$208K	0.1%	$14.34	+6.4%	COM	49456B101
SYY	Sysco Inc	3,069	$203K	0.1%	$50.42	+33.0%	COM	871829107