Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHX	Schwab Dow Jones US Large Cap ETF	479,446	$29.75M	8.0%	$40.76	—	ETF	808524201
SCHD	Schwab Dow Jones US Div Eq ETF	247,404	$19.95M	5.3%	$19.99	—	ETF	808524797
VSLU	Applied Finance Valuation Lg Cap ETF	525,714	$17.13M	4.6%	$32.59	—	ETF	26923N405
MSFT	Microsoft Corp	30,275	$12.74M	3.4%	$41.76	+856.2%	COM	594918104
AAPL	Apple, Inc	64,066	$10.99M	2.9%	$97.55	+84.8%	COM	037833100
SGOL	ETFS Phys. Swiss Gold Shares	476,849	$10.13M	2.7%	$16.63	—	ETF	00326A104
GOOGL	Alphabet, Inc. Cl A	59,549	$8.988M	2.4%	$106.57	+33.2%	COM	02079K305
NOBL	Proshares S&P 500 Div Aristocrats	78,851	$7.996M	2.1%	$76.55	—	ETF	74348A467
DFAE	Dimensional Emerg Core Equity Mkt ETF	286,114	$7.073M	1.9%	$22.78	—	ETF	25434V302
MRK	Merck & Co Inc	52,802	$6.967M	1.9%	$67.62	+71.2%	COM	58933Y105
SCHM	Schwab Dow Jones US Mid-Cap ETF	84,542	$6.884M	1.8%	$45.06	—	ETF	808524508
NVDA	Nvidia Corp	7,372	$6.661M	1.8%	$20.44	+254.5%	COM	67066G104
FIXD	First Trust TCWOpportunistic Fxd Inc ETF	149,787	$6.531M	1.7%	$45.19	—	ETF	33740F805
SCHG	Schwab Dow Jones US Large Growth ETF	69,206	$6.417M	1.7%	$43.21	—	ETF	808524300
VOO	Vanguard S&P 500 ETF	12,539	$6.028M	1.6%	$319.78	—	ETF	922908363
SCHF	Schwab FTSE Developed ex-US ETF	149,514	$5.834M	1.6%	$19.40	—	ETF	808524805
FPE	First Trust Preferred Sec & Inc ETF	330,399	$5.723M	1.5%	$16.79	—	ETF	33739E108
VTEB	Vanguard Tax-Exempt Bond ETF	105,232	$5.325M	1.4%	$49.86	—	ETF	922907746
SCHV	Schwab Dow Jones US Large Value ETF	69,430	$5.275M	1.4%	$39.99	—	ETF	808524409
GSIE	Goldman Sachs ActiveBeta Intl Eq ETF	146,836	$5.035M	1.3%	$32.97	—	ETF	381430107
JPM	J P Morgan Chase & Co	24,627	$4.933M	1.3%	$90.20	+92.5%	COM	46625H100
AMZN	Amazon.com	25,501	$4.6M	1.2%	$125.15	+33.4%	COM	023135106
SCHA	Schwab Dow Jones US Sm-Cap ETF	88,723	$4.369M	1.2%	$49.11	—	ETF	808524607
AVGO	Broadcom Limited	3,094	$4.101M	1.1%	$40.38	+200.2%	COM	11135F101
IJH	iShares S&P Midcap 400 Index ETF	64,176	$3.898M	1.0%	$76.94	—	ETF	464287507
JNJ	Johnson & Johnson	24,629	$3.896M	1.0%	$114.46	+31.3%	COM	478160104
UITB	VictoryShares Core Intermediate Bond ETF	81,653	$3.787M	1.0%	$46.38	—	ETF	92647N527
PG	Procter & Gamble Inc	21,578	$3.501M	0.9%	$60.25	+148.7%	COM	742718109
IJR	iShares S&P Smallcap 600 Index ETF	28,296	$3.127M	0.8%	$86.51	—	ETF	464287804
VEU	Vanguard FTSE All-World ex-USA ETF	53,137	$3.117M	0.8%	$49.02	—	ETF	922042775
PEP	Pepsico	17,782	$3.112M	0.8%	$66.04	+138.1%	COM	713448108
—	iShares iBonds Dec 2025 Muni Bd ETF	115,001	$3.043M	0.8%	$26.44	—	ETF	46435U432
IBMO	iShares iBonds Dec 2026 Muni Bd ETF	119,874	$3.039M	0.8%	$25.14	—	ETF	46435U259
LOW	Lowes Companies	11,918	$3.036M	0.8%	$63.34	+250.5%	COM	548661107
—	iShares iBonds Dec 2024 Muni Bd ETF	116,794	$3.031M	0.8%	$25.88	—	ETF	46435U697
—	iShares iBonds Dec 2029 Corp Bd ETF	132,229	$3.017M	0.8%	$22.82	—	ETF	43436E205
PWR	Quanta Services Inc	10,766	$2.797M	0.7%	$122.00	+80.9%	COM	74762E102
BRK/B	Berkshire Hathaway B	6,605	$2.778M	0.7%	$160.34	+145.3%	COM	084670702
SDY	SPDR S&P Dividend ETF	21,156	$2.776M	0.7%	$74.09	—	ETF	78464A763
JMUB	J.P. Morgan Municipal ETF	51,859	$2.631M	0.7%	$50.48	—	ETF	46641Q647
AMGN	Amgen Inc	8,882	$2.525M	0.7%	$117.32	+135.3%	COM	031162100
GLD	SPDR Gold Shares	11,752	$2.418M	0.6%	$143.76	—	ETF	78463V107
CVX	ChevronTexaco Corp	15,185	$2.395M	0.6%	$80.50	+72.7%	COM	166764100
GOOG	Alphabet, Inc. Cl C	15,717	$2.393M	0.6%	$106.94	+34.0%	COM	02079K107
SPY	SPDR S&P 500 ETF	4,482	$2.345M	0.6%	$300.38	—	ETF	78462F103
UNP	Union Pacific Corp	9,475	$2.33M	0.6%	$71.27	+230.6%	COM	907818108
VO	Vanguard Mid-Cap ETF	8,908	$2.226M	0.6%	$207.18	—	ETF	922908629
BAC	Bank Of America	56,837	$2.155M	0.6%	$25.24	+29.9%	COM	060505104
FISV	Fiserv Inc	13,099	$2.093M	0.6%	$77.25	+88.5%	COM	337738108
RTX	RTX Corp.	20,877	$2.036M	0.5%	$86.68	+0.2%	COM	75513E101
PANW	Palo Alto Networks Inc	7,059	$2.006M	0.5%	$69.24	+127.8%	COM	697435105
IBM	International Business Machines	10,414	$1.989M	0.5%	$101.76	+69.6%	COM	459200101
IEMG	iShare Core MSCI Emerging Markets	37,650	$1.943M	0.5%	$46.87	—	ETF	46434G103
HD	Home Depot	5,010	$1.922M	0.5%	$215.85	+61.5%	COM	437076102
LHX	L3Harris Technologies Inc	8,833	$1.882M	0.5%	$179.24	+12.8%	COM	502431109
CSCO	Cisco Systems	36,530	$1.823M	0.5%	$22.49	+110.0%	COM	17275R102
MDT	Medtronic plc	20,179	$1.759M	0.5%	$86.30	-6.5%	ADR	G5960L103
META	Meta Platforms Cl A	3,578	$1.738M	0.5%	$206.95	+114.2%	COM	30303M102
IBMP	iShares iBonds Dec 2027 Muni Bd ETF	65,297	$1.644M	0.4%	$25.24	—	ETF	46435U283
XOM	Exxon-Mobil	13,646	$1.586M	0.4%	$60.63	+61.8%	COM	30231G102
CVS	CVS Health Corporation	19,734	$1.574M	0.4%	$48.93	+44.7%	COM	126650100
MA	Mastercard Inc	3,255	$1.568M	0.4%	$213.27	+112.2%	COM	57636Q104
DFAI	Dimensional International Core Equity Mkt ETF	51,446	$1.555M	0.4%	$27.66	—	ETF	25434V203
TMO	Thermo Fisher Scientific	2,594	$1.508M	0.4%	$149.31	+273.5%	COM	883556102
VBR	Vanguard Small-Cap Value ETF	7,841	$1.504M	0.4%	$150.46	—	ETF	922908611
VUG	Vanguard Growth ETF	4,362	$1.501M	0.4%	$80.76	—	ETF	922908736
ADP	Automatic Data Processing	5,942	$1.484M	0.4%	$84.07	+178.6%	COM	053015103
MCD	McDonalds Corp	5,201	$1.466M	0.4%	$84.09	+230.6%	COM	580135101
V	Visa, Inc.	5,079	$1.417M	0.4%	$83.82	+224.9%	COM	92826C839
QCOM	Qualcomm Corp	8,365	$1.416M	0.4%	$128.35	+15.7%	COM	747525103
EMR	Emerson Electric	12,485	$1.416M	0.4%	$49.30	+101.6%	COM	291011104
VZ	Verizon Communications	33,118	$1.39M	0.4%	$40.76	-11.9%	COM	92343V104
—	iShares iBonds Dec 2025 Corp Bd ETF	54,451	$1.351M	0.4%	$24.53	—	ETF	46434VBD1
VTV	Vanguard Value ETF	8,259	$1.345M	0.4%	$84.95	—	ETF	922908744
SCHB	Schwab Dow Jones US Broad Mkt ETF	20,622	$1.259M	0.3%	$40.66	—	ETF	808524102
CRM	Salesforce Com	4,031	$1.214M	0.3%	$168.91	+68.8%	COM	79466L302
XBI	SPDR S&P Biotech ETF	12,261	$1.163M	0.3%	$95.62	—	ETF	78464A870
DIS	Disney Walt Co	9,397	$1.15M	0.3%	$76.95	+33.1%	COM	254687106
DHR	Danaher Corp	4,513	$1.127M	0.3%	$43.18	+459.2%	COM	235851102
BMY	Bristol Myers Squibb	20,395	$1.106M	0.3%	$41.33	+11.7%	COM	110122108
XLK	SPDR Technology Select Sector	5,228	$1.089M	0.3%	$74.88	—	ETF	81369Y803
NEE	NextEra Energy Inc.	16,995	$1.086M	0.3%	$62.88	-11.9%	COM	65339F101
LLY	Lilly Eli & Co	1,395	$1.085M	0.3%	$186.64	+276.4%	COM	532457108
BX	Blackstone Group Lp	7,789	$1.023M	0.3%	$54.62	+117.3%	COM	09260D107
MDLZ	Mondelez Intl Inc Cl A	14,447	$1.011M	0.3%	$45.43	+51.7%	COM	609207105
CWI	SPDR MSCI Acwi Ex-US	34,509	$980K	0.3%	$29.43	—	ETF	78463X848
ROP	Roper Technologies, Inc	1,683	$944K	0.3%	$231.04	+133.2%	COM	776696106
VNQ	Vanguard REIT	10,777	$932K	0.2%	$80.27	—	ETF	922908553
IBMQ	iShares iBonds Dec 2028 Muni Bd ETF	36,676	$927K	0.2%	$25.48	—	ETF	46435U325
VIG	Vanguard Div Appreciation ETF	5,046	$921K	0.2%	$101.48	—	ETF	921908844
ITW	Illinois Tool Works	3,393	$910K	0.2%	$104.73	+136.5%	COM	452308109
ORCL	Oracle Systems	7,067	$888K	0.2%	$58.21	+93.0%	COM	68389X105
KLAC	KLA Tencor Corp	1,211	$846K	0.2%	$323.12	+95.6%	COM	482480100
CFG	Citizens Financial Group	23,192	$842K	0.2%	$28.31	+7.7%	COM	174610105
KO	Coca Cola	13,596	$832K	0.2%	$33.36	+70.0%	COM	191216100
CMC	Commercial Metals Co	14,004	$823K	0.2%	$23.09	+123.4%	COM	201723103
WMT	Wal-Mart Stores	12,201	$734K	0.2%	$49.35	+13.6%	COM	931142103
—	iShares iBonds Dec 2024 Corp Bd ETF	29,167	$731K	0.2%	$24.71	—	ETF	46434VBG4
PBE	Invesco Biotech & Genomics ETF	11,282	$730K	0.2%	$58.40	—	ETF	46137V787
ABBV	AbbVie Inc	3,930	$716K	0.2%	$135.72	+19.4%	COM	00287Y109
IVV	iShares Core S&P 500 ETF	1,349	$709K	0.2%	$525.73	—	ETF	464287200
INTC	Intel Corp	15,165	$670K	0.2%	$48.05	-8.3%	COM	458140100
AMAT	Applied Materials	3,211	$662K	0.2%	$25.12	+618.1%	COM	038222105
HPQ	Hewlett Packard	20,983	$634K	0.2%	$22.11	+23.5%	COM	40434L105
TJX	TJX Cos Inc	6,093	$618K	0.2%	$44.85	+111.0%	COM	872540109
LMT	Lockheed Martin Corp	1,303	$593K	0.2%	$172.16	+141.6%	COM	539830109
SCHZ	Schwab US AGG Bnd ETF	12,694	$584K	0.2%	$50.90	—	ETF	808524839
MUNI	Pimco Intermediate Muni ETF	11,060	$580K	0.2%	$50.21	—	ETF	72201R866
GPN	Global Payments, Inc.	4,269	$571K	0.2%	$163.75	-20.9%	COM	37940X102
PFE	Pfizer Inc	20,211	$561K	0.1%	$20.88	+18.1%	COM	717081103
ABT	Abbott Labs	4,906	$558K	0.1%	$36.07	+207.1%	COM	002824100
VDC	Vanguard Consumer Staples ETF	2,721	$555K	0.1%	$125.71	—	ETF	92204A207
STZ	Constellation Brands	2,033	$553K	0.1%	$191.51	+27.1%	COM	21036P108
GE	General Electric	3,070	$539K	0.1%	$69.88	+66.6%	COM	369604301
NKE	Nike Inc Class B	5,730	$538K	0.1%	$75.42	+29.7%	COM	654106103
MUB	iShares S & P Nat'l AMT-Free Muni Bd	4,673	$503K	0.1%	$107.61	—	ETF	464288414
IVW	iShares S&P 500 Barra Gr. Fd.	5,869	$496K	0.1%	$69.93	—	ETF	464287309
LKQ	LKQ Corp	9,071	$484K	0.1%	$46.67	0.0%	COM	501889208
STT	State Street Boston Corp	6,002	$464K	0.1%	$44.55	+56.2%	COM	857477103
REGN	Regeneron Pharm	478	$460K	0.1%	$632.27	+49.6%	COM	75886F107
IBDR	iShares iBonds Dec 2026 Corp Bd ETF	19,202	$458K	0.1%	$23.43	—	ETF	46435GAA0
COP	Conoco Phillips	3,475	$442K	0.1%	$49.57	+117.1%	COM	20825C104
MDY	S&P 400 Mid-Cap SPDR ETF	781	$435K	0.1%	$128385.95	—	ETF	78467Y107
ADBE	Adobe Systems	848	$428K	0.1%	$574.86	-0.3%	COM	00724F101
AON	AON Corp	1,269	$423K	0.1%	$191.78	+59.6%	ADR	G0403H108
PEG	Public Svc Enterprise	6,279	$419K	0.1%	$43.21	+33.4%	COM	744573106
COST	Costco Whsl Corp	565	$414K	0.1%	$431.96	+63.6%	COM	22160K105
FNDX	Sch Fundamental US Large Co ETF	6,110	$412K	0.1%	$15.51	—	ETF	808524771
AMT	American Tower Corp	2,067	$408K	0.1%	$214.83	-13.4%	COM	03027X100
VOE	Vanguard Mid Cap Value ETF	2,592	$404K	0.1%	$101.42	—	ETF	922908512
TSN	Tyson Foods Inc	6,778	$398K	0.1%	$51.85	-1.0%	COM	902494103
INTU	Intuit Inc.	600	$390K	0.1%	$340.30	+85.5%	COM	461202103
TFC	Truist Finl Corp	9,904	$386K	0.1%	$28.22	+18.3%	COM	89832Q109
TGT	Target Corp	2,123	$376K	0.1%	$114.03	+24.5%	COM	87612E106
GS	Goldman Sachs Group	878	$367K	0.1%	$228.79	+62.7%	COM	38141G104
NVS	Novartis A G	3,699	$358K	0.1%	$71.89	—	ADR	66987V109
HACK	HACK- ETFMG Prime Cyber Security ETF	5,416	$347K	0.1%	$64.11	—	ETF	032108664
MPLX	MPLX LP	8,300	$345K	0.1%	$29.74	—	COM	55336V100
—	Wells Fargo & Co 7.50 Pfd	281	$342K	0.1%	$1215.16	—	PFD	949746804
XLE	Sector Spdr Engy Select	3,555	$336K	0.1%	$71.79	—	ETF	81369Y506
VRTX	Vertex Pharmaceuticals	797	$333K	0.1%	$226.04	+87.0%	COM	92532F100
PYPL	Paypal Holdings, Inc.	4,926	$330K	0.1%	$64.23	-4.7%	COM	70450Y103
CI	Cigna	856	$311K	0.1%	$218.34	+45.5%	COM	125523100
VXUS	Vanguard Total International Stock	4,952	$299K	0.1%	$55.28	—	ETF	921909768
AVUV	Avantis US Small Cap Value ETF	3,150	$295K	0.1%	$93.71	—	ETF	025072877
VEA	Vanguard FTSE Dev Mkt ETF	5,875	$295K	0.1%	$47.90	—	ETF	921943858
IBDS	iShares iBonds Dec 2027 Corp Bd ETF	12,147	$289K	0.1%	$23.93	—	ETF	46435UAA9
IBDV	iShares iBonds Dec 2030 Corp Bd ETF	13,303	$285K	0.1%	$21.40	—	ETF	46436E726
DD	Du Pont E I De Nemours	3,646	$280K	0.1%	$23.93	+19.2%	ADR	26614N102
MTUM	iShares MSCI USA Momentum	1,489	$279K	0.1%	$139.42	—	ETF	46432F396
PPG	PPG Inds Inc	1,920	$278K	0.1%	$86.36	+57.4%	COM	693506107
CARR	Carrier Global Corp	4,694	$273K	0.1%	$43.10	+27.5%	COM	14448C104
IWM	iShares Russell 2000 Index Fund ETF	1,275	$268K	0.1%	$196.08	—	ETF	464287655
SPLV	Invesco S&P 500 Low Volatility ETF	4,028	$265K	0.1%	$63.91	—	ETF	46138E354
NOC	Northrop Grumman Corp	553	$265K	0.1%	$445.90	0.0%	COM	666807102
VLO	Valero Energy Corp.	1,539	$263K	0.1%	$114.74	+18.3%	COM	91913Y100
SYY	Sysco Inc	2,999	$243K	0.1%	$50.42	+47.9%	COM	871829107
MMM	3M Company	2,293	$243K	0.1%	$75.54	+5.0%	COM	88579Y101
KMI	Kinder Morgan Inc	13,173	$242K	0.1%	$14.41	+10.9%	COM	49456B101
BDX	Becton Dickinson	975	$241K	0.1%	$137.19	+68.1%	COM	075887109
INCY	Incyte Genomics Inc	4,197	$239K	0.1%	$60.02	0.0%	COM	45337C102
DEO	Diageo Plc	1,551	$231K	0.1%	$137.49	—	ADR	25243Q205
WYNN	Wynn Resorts	2,255	$231K	0.1%	$102.04	-4.6%	COM	983134107
—	TE Connectivity Ltd	1,550	$225K	0.1%	$140.50	—	COM	H84989104
WFC	Wells Fargo & Company	3,830	$222K	0.1%	$41.03	+22.2%	COM	949746101
PSX	Phillips 66	1,352	$221K	0.1%	$134.98	0.0%	COM	718546104
MS	Morgan Stanley Group	2,328	$219K	0.1%	$74.81	+11.2%	COM	617446448
D	Dominion Res Inc Va	4,300	$212K	0.1%	$62.04	-31.3%	COM	25746U109
XLRE	Real Estate Sector SPDR	5,336	$211K	0.1%	$40.06	—	ETF	81369Y860
—	Unilever Plc Adr New	4,200	$211K	0.1%	$50.35	—	ADR	904767704
IEFA	iShare Core MSCI EAFE	2,781	$206K	0.1%	$74.22	—	ETF	46432F842