Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHX	Schwab Dow Jones US Large Cap ETF	490,353	$31.51M	8.1%	$41.28	—	ETF	808524201
VSLU	Applied Finance Valuation Lg Cap ETF	599,827	$20.51M	5.3%	$32.79	—	ETF	26923N405
SCHD	Schwab Dow Jones US Div Eq ETF	251,612	$19.57M	5.0%	$20.96	—	ETF	808524797
AAPL	Apple, Inc	75,329	$15.87M	4.1%	$110.64	+67.3%	COM	037833100
MSFT	Microsoft Corp	30,782	$13.76M	3.5%	$47.94	+770.4%	COM	594918104
UITB	VictoryShares Core Intermediate Bond ETF	262,267	$12.07M	3.1%	$46.13	—	ETF	92647N527
GOOGL	Alphabet, Inc. Cl A	58,195	$10.6M	2.7%	$106.57	+57.0%	COM	02079K305
SGOL	ETFS Phys. Swiss Gold Shares	463,887	$10.31M	2.7%	$16.63	—	ETF	00326A104
NVDA	Nvidia Corp	71,912	$8.884M	2.3%	$92.79	+8.9%	COM	67066G104
DFAE	Dimensional Emerg Core Equity Mkt ETF	309,945	$8.018M	2.1%	$23.02	—	ETF	25434V302
SCHG	Schwab Dow Jones US Large Growth ETF	67,008	$6.757M	1.7%	$43.21	—	ETF	808524300
SCHM	Schwab Dow Jones US Mid-Cap ETF	86,302	$6.717M	1.7%	$45.72	—	ETF	808524508
MRK	Merck & Co Inc	52,629	$6.515M	1.7%	$67.62	+80.0%	COM	58933Y105
VOO	Vanguard S&P 500 ETF	12,718	$6.361M	1.6%	$322.32	—	ETF	922908363
NOBL	Proshares S&P 500 Div Aristocrats	63,024	$6.059M	1.6%	$76.55	—	ETF	74348A467
SCHF	Schwab FTSE Developed ex-US ETF	151,715	$5.829M	1.5%	$19.68	—	ETF	808524805
VTEB	Vanguard Tax-Exempt Bond ETF	113,770	$5.701M	1.5%	$49.88	—	ETF	922907746
FPE	First Trust Preferred Sec & Inc ETF	324,913	$5.64M	1.5%	$16.79	—	ETF	33739E108
GSIE	Goldman Sachs ActiveBeta Intl Eq ETF	155,276	$5.225M	1.3%	$33.01	—	ETF	381430107
AMZN	Amazon.com	26,084	$5.041M	1.3%	$126.45	+45.3%	COM	023135106
AVGO	Broadcom Limited	3,088	$4.959M	1.3%	$40.38	+240.9%	COM	11135F101
JPM	J P Morgan Chase & Co	24,149	$4.884M	1.3%	$90.20	+109.7%	COM	46625H100
SCHV	Schwab Dow Jones US Large Value ETF	63,656	$4.716M	1.2%	$39.99	—	ETF	808524409
SCHA	Schwab Dow Jones US Sm-Cap ETF	88,034	$4.177M	1.1%	$49.11	—	ETF	808524607
IJH	iShares S&P Midcap 400 Index ETF	63,873	$3.738M	1.0%	$76.94	—	ETF	464287507
JNJ	Johnson & Johnson	24,409	$3.568M	0.9%	$114.46	+23.6%	COM	478160104
PG	Procter & Gamble Inc	21,176	$3.492M	0.9%	$60.25	+160.9%	COM	742718109
VEU	Vanguard FTSE All-World ex-USA ETF	53,879	$3.159M	0.8%	$49.15	—	ETF	922042775
IBDU	iShares iBonds Dec 2029 Corp Bd ETF	138,274	$3.135M	0.8%	$22.67	—	ETF	46436E205
IBMO	iShares iBonds Dec 2026 Muni Bd ETF	120,680	$3.056M	0.8%	$25.14	—	ETF	46435U259
—	iShares iBonds Dec 2025 Muni Bd ETF	115,055	$3.047M	0.8%	$26.44	—	ETF	46435U432
PEP	Pepsico	17,477	$2.882M	0.7%	$66.04	+145.8%	COM	713448108
GOOG	Alphabet, Inc. Cl C	15,694	$2.879M	0.7%	$106.94	+57.9%	COM	02079K107
JMUB	J.P. Morgan Municipal ETF	56,908	$2.867M	0.7%	$50.47	—	ETF	46641Q647
IJR	iShares S&P Smallcap 600 Index ETF	26,768	$2.855M	0.7%	$86.51	—	ETF	464287804
BRK/B	Berkshire Hathaway B	6,550	$2.665M	0.7%	$160.34	+154.8%	COM	084670702
PWR	Quanta Services Inc	10,472	$2.661M	0.7%	$122.00	+116.7%	COM	74762E102
LOW	Lowes Companies	11,900	$2.623M	0.7%	$63.34	+249.5%	COM	548661107
SDY	SPDR S&P Dividend ETF	20,489	$2.606M	0.7%	$74.09	—	ETF	78464A763
—	iShares iBonds Dec 2024 Muni Bd ETF	99,994	$2.604M	0.7%	$25.88	—	ETF	46435U697
AMGN	Amgen Inc	8,193	$2.56M	0.7%	$117.32	+138.1%	COM	031162100
META	Meta Platforms Cl A	4,926	$2.484M	0.6%	$282.57	+71.0%	COM	30303M102
VO	Vanguard Mid-Cap ETF	10,200	$2.469M	0.6%	$211.60	—	ETF	922908629
SPY	SPDR S&P 500 ETF	4,527	$2.463M	0.6%	$302.80	—	ETF	78462F103
GLD	SPDR Gold Shares	11,184	$2.405M	0.6%	$143.76	—	ETF	78463V107
PANW	Palo Alto Networks Inc	7,055	$2.392M	0.6%	$69.24	+116.0%	COM	697435105
CVX	ChevronTexaco Corp	15,239	$2.384M	0.6%	$80.50	+84.3%	COM	166764100
BAC	Bank Of America	56,841	$2.261M	0.6%	$25.24	+45.9%	COM	060505104
UNP	Union Pacific Corp	9,510	$2.152M	0.6%	$71.27	+216.4%	COM	907818108
RTX	RTX Corp.	20,938	$2.102M	0.5%	$86.68	+15.5%	COM	75513E101
LHX	L3Harris Technologies Inc	8,888	$1.996M	0.5%	$179.24	+16.7%	COM	502431109
FISV	Fiserv Inc	13,327	$1.986M	0.5%	$78.51	+92.8%	COM	337738108
DFAI	Dimensional International Core Equity Mkt ETF	61,276	$1.818M	0.5%	$27.98	—	ETF	25434V203
IBMP	iShares iBonds Dec 2027 Muni Bd ETF	70,293	$1.758M	0.5%	$25.22	—	ETF	46435U283
IBM	International Business Machines	10,154	$1.756M	0.5%	$101.76	+63.0%	COM	459200101
HD	Home Depot	5,029	$1.731M	0.4%	$215.85	+51.8%	COM	437076102
QCOM	Qualcomm Corp	8,360	$1.665M	0.4%	$128.35	+42.1%	COM	747525103
VUG	Vanguard Growth ETF	4,330	$1.619M	0.4%	$80.76	—	ETF	922908736
IEMG	iShare Core MSCI Emerging Markets	30,186	$1.616M	0.4%	$46.87	—	ETF	46434G103
CSCO	Cisco Systems	33,492	$1.591M	0.4%	$22.49	+101.4%	COM	17275R102
XOM	Exxon-Mobil	13,315	$1.533M	0.4%	$60.63	+81.6%	COM	30231G102
MA	Mastercard Inc	3,355	$1.48M	0.4%	$220.37	+104.9%	COM	57636Q104
JHSC	JH/DFA Small Cap Multifactor ETF	39,315	$1.455M	0.4%	$37.02	—	ETF	47804J842
TMO	Thermo Fisher Scientific	2,584	$1.429M	0.4%	$149.31	+281.6%	COM	883556102
SCHB	Schwab Dow Jones US Broad Mkt ETF	22,608	$1.421M	0.4%	$42.61	—	ETF	808524102
ADP	Automatic Data Processing	5,935	$1.417M	0.4%	$84.07	+181.4%	COM	053015103
—	iShares iBonds Dec 2025 Corp Bd ETF	55,844	$1.388M	0.4%	$24.54	—	ETF	46434VBD1
VBR	Vanguard Small-Cap Value ETF	7,586	$1.385M	0.4%	$150.46	—	ETF	922908611
V	Visa, Inc.	5,080	$1.333M	0.3%	$83.82	+223.1%	COM	92826C839
EMR	Emerson Electric	11,845	$1.305M	0.3%	$49.30	+118.0%	COM	291011104
MCD	McDonalds Corp	5,042	$1.285M	0.3%	$84.09	+203.3%	COM	580135101
VZ	Verizon Communications	30,989	$1.278M	0.3%	$40.76	-10.5%	COM	92343V104
MDT	Medtronic plc	16,184	$1.274M	0.3%	$86.30	-9.5%	COM	G5960L103
VTV	Vanguard Value ETF	7,745	$1.242M	0.3%	$84.95	—	ETF	922908744
LLY	Lilly Eli & Co	1,359	$1.23M	0.3%	$186.64	+323.8%	COM	532457108
NEE	NextEra Energy Inc.	16,696	$1.182M	0.3%	$62.88	+7.5%	COM	65339F101
XLK	SPDR Technology Select Sector	5,159	$1.167M	0.3%	$74.88	—	ETF	81369Y803
DHR	Danaher Corp	4,513	$1.128M	0.3%	$43.18	+479.5%	COM	235851102
XBI	SPDR S&P Biotech ETF	11,081	$1.027M	0.3%	$95.62	—	ETF	78464A870
CVS	CVS Health Corporation	17,272	$1.02M	0.3%	$48.93	+19.6%	COM	126650100
ORCL	Oracle Systems	7,206	$1.017M	0.3%	$59.44	+105.7%	COM	68389X105
CRM	Salesforce Com	3,912	$1.006M	0.3%	$168.91	+56.7%	COM	79466L302
CWI	SPDR MSCI Acwi Ex-US	35,241	$998K	0.3%	$29.40	—	ETF	78463X848
ROP	Roper Technologies, Inc	1,745	$984K	0.3%	$241.78	+120.5%	COM	776696106
MDLZ	Mondelez Intl Inc Cl A	14,962	$979K	0.3%	$46.11	+41.3%	COM	609207105
KLAC	KLA Tencor Corp	1,171	$966K	0.2%	$323.12	+125.4%	COM	482480100
VIG	Vanguard Div Appreciation ETF	5,091	$929K	0.2%	$101.48	—	ETF	921908844
IBMQ	iShares iBonds Dec 2028 Muni Bd ETF	36,676	$918K	0.2%	$25.48	—	ETF	46435U325
DIS	Disney Walt Co	9,174	$911K	0.2%	$76.95	+37.1%	COM	254687106
VNQ	Vanguard REIT	10,777	$903K	0.2%	$80.27	—	ETF	922908553
KO	Coca Cola	13,548	$862K	0.2%	$33.36	+76.5%	COM	191216100
BX	Blackstone Group Lp	6,687	$828K	0.2%	$54.62	+115.7%	COM	09260D107
CFG	Citizens Financial Group	22,905	$825K	0.2%	$28.31	+15.9%	COM	174610105
WMT	Wal-Mart Stores	12,156	$823K	0.2%	$49.35	+25.6%	COM	931142103
ITW	Illinois Tool Works	3,338	$791K	0.2%	$104.73	+126.1%	COM	452308109
ADBE	Adobe Systems	1,410	$783K	0.2%	$538.73	-10.1%	COM	00724F101
HPQ	Hewlett Packard	21,891	$767K	0.2%	$22.43	+32.4%	COM	40434L105
CMC	Commercial Metals Co	13,843	$761K	0.2%	$23.09	+133.5%	COM	201723103
AMAT	Applied Materials	3,204	$756K	0.2%	$25.12	+741.7%	COM	038222105
IVV	iShares Core S&P 500 ETF	1,349	$738K	0.2%	$525.73	—	ETF	464287200
BMY	Bristol Myers Squibb	17,258	$717K	0.2%	$41.33	-0.8%	COM	110122108
PBE	Invesco Biotech & Genomics ETF	10,922	$708K	0.2%	$58.40	—	ETF	46137V787
TJX	TJX Cos Inc	6,152	$677K	0.2%	$44.85	+120.0%	COM	872540109
ABBV	AbbVie Inc	3,910	$671K	0.2%	$135.72	+15.8%	COM	00287Y109
LMT	Lockheed Martin Corp	1,270	$593K	0.2%	$172.16	+156.5%	COM	539830109
—	iShares iBonds Dec 2024 Corp Bd ETF	23,296	$585K	0.2%	$24.71	—	ETF	46434VBG4
VDC	Vanguard Consumer Staples ETF	2,721	$552K	0.1%	$125.71	—	ETF	92204A207
PFE	Pfizer Inc	19,481	$545K	0.1%	$20.88	+18.7%	COM	717081103
IVW	iShares S&P 500 Barra Gr. Fd.	5,812	$538K	0.1%	$69.93	—	ETF	464287309
SCHZ	Schwab US AGG Bnd ETF	11,534	$526K	0.1%	$50.90	—	ETF	808524839
STZ	Constellation Brands	1,974	$508K	0.1%	$191.51	+29.7%	COM	21036P108
COST	Costco Whsl Corp	595	$506K	0.1%	$449.20	+72.3%	COM	22160K105
ABT	Abbott Labs	4,846	$504K	0.1%	$36.07	+185.4%	COM	002824100
MUB	iShares S & P Nat'l AMT-Free Muni Bd	4,686	$499K	0.1%	$107.61	—	ETF	464288414
GE	General Electric	3,070	$488K	0.1%	$69.88	+126.0%	COM	369604301
LKQ	LKQ Corp	11,166	$464K	0.1%	$45.87	-7.5%	COM	501889208
PEG	Public Svc Enterprise	6,284	$463K	0.1%	$43.21	+56.1%	COM	744573106
IBDR	iShares iBonds Dec 2026 Corp Bd ETF	19,332	$460K	0.1%	$23.43	—	ETF	46435GAA0
INTC	Intel Corp	14,380	$445K	0.1%	$48.05	-32.3%	COM	458140100
STT	State Street Boston Corp	6,000	$444K	0.1%	$44.55	+58.3%	COM	857477103
MDY	S&P 400 Mid-Cap SPDR ETF	781	$418K	0.1%	$128385.95	—	ETF	78467Y107
GS	Goldman Sachs Group	881	$398K	0.1%	$228.79	+85.2%	COM	38141G104
COP	Conoco Phillips	3,475	$397K	0.1%	$49.57	+132.8%	COM	20825C104
INTU	Intuit Inc.	600	$394K	0.1%	$340.30	+80.5%	COM	461202103
AMT	American Tower Corp	2,028	$394K	0.1%	$214.83	-18.0%	COM	03027X100
NVS	Novartis A G	3,699	$394K	0.1%	$71.89	—	ADR	66987V109
TSN	Tyson Foods Inc	6,839	$391K	0.1%	$51.85	+6.6%	COM	902494103
FNDX	Sch Fundamental US Large Co ETF	5,810	$389K	0.1%	$15.51	—	ETF	808524771
TFC	Truist Finl Corp	9,969	$387K	0.1%	$28.22	+23.8%	COM	89832Q109
NKE	Nike Inc Class B	5,081	$383K	0.1%	$75.42	+18.9%	COM	654106103
HACK	Amplify Cyber Security ETF	5,668	$367K	0.1%	$64.14	—	ETF	032108664
VRTX	Vertex Pharmaceuticals	764	$358K	0.1%	$226.04	+92.0%	COM	92532F100
MPLX	MPLX LP	8,300	$353K	0.1%	$29.74	—	COM	55336V100
—	Wells Fargo & Co 7.50pcnt Pfd	283	$337K	0.1%	$1215.16	—	PFD	949746804
XLE	Sector Spdr Engy Select	3,630	$331K	0.1%	$72.19	—	ETF	81369Y506
TGT	Target Corp	2,224	$329K	0.1%	$115.57	+28.0%	COM	87612E106
AON	AON	1,120	$329K	0.1%	$191.78	+52.5%	COM	G0403H108
REGN	Regeneron Pharm	311	$327K	0.1%	$632.27	+52.5%	COM	75886F107
VXUS	Vanguard Total International Stock	5,118	$309K	0.1%	$55.44	—	ETF	921909768
IBDV	iShares iBonds Dec 2030 Corp Bd ETF	14,062	$299K	0.1%	$21.39	—	ETF	46436E726
IBDS	iShares iBonds Dec 2027 Corp Bd ETF	12,550	$298K	0.1%	$23.92	—	ETF	46435UAA9
VOE	Vanguard Mid Cap Value ETF	1,976	$297K	0.1%	$101.42	—	ETF	922908512
VEA	Vanguard FTSE Dev Mkt ETF	5,997	$296K	0.1%	$47.93	—	ETF	921943858
CARR	Carrier Global Corp	4,680	$295K	0.1%	$43.10	+39.7%	COM	14448C104
GPN	Global Payments, Inc.	3,046	$295K	0.1%	$163.75	-34.0%	COM	37940X102
DD	Du Pont E I De Nemours	3,646	$293K	0.1%	$23.93	+31.9%	ADR	26614N102
MTUM	iShares MSCI USA Momentum	1,497	$292K	0.1%	$139.42	—	ETF	46432F396
PYPL	Paypal Holdings, Inc.	4,880	$283K	0.1%	$64.23	-1.2%	COM	70450Y103
CI	Cigna	856	$283K	0.1%	$218.34	+53.1%	COM	125523100
AVUV	Amer Century US Small Cap Value ETF	3,150	$283K	0.1%	$93.71	—	ETF	025072877
KMI	Kinder Morgan Inc	13,610	$270K	0.1%	$14.52	+22.1%	COM	49456B101
INCY	Incyte Genomics Inc	4,442	$269K	0.1%	$59.84	-5.4%	COM	45337C102
IWM	iShares Russell 2000 Index Fund ETF	1,303	$264K	0.1%	$196.22	—	ETF	464287655
SPLV	Invesco S&P 500 Low Volatility ETF	4,028	$262K	0.1%	$63.91	—	ETF	46138E354
PPG	PPG Inds Inc	1,920	$242K	0.1%	$86.36	+47.5%	COM	693506107
VLO	Valero Energy Corp.	1,542	$242K	0.1%	$114.74	+33.8%	COM	91913Y100
WFC	Wells Fargo & Company	4,030	$239K	0.1%	$41.81	+36.0%	COM	949746101
MMM	3M Company	2,294	$234K	0.1%	$75.54	+24.8%	COM	88579Y101
—	TE Connectivity Ltd	1,550	$233K	0.1%	$140.50	—	COM	H84989104
—	Unilever Plc Adr New	4,200	$231K	0.1%	$50.35	—	ADR	904767704
MS	Morgan Stanley Group	2,328	$226K	0.1%	$74.81	+21.4%	COM	617446448
BDX	Becton Dickinson	968	$226K	0.1%	$137.19	+66.1%	COM	075887109
TSLA	Tesla Motors Inc	1,131	$224K	0.1%	$174.77	0.0%	COM	88160R101
IEFA	iShare Core MSCI EAFE	3,031	$220K	0.1%	$74.09	—	ETF	46432F842
IBDW	iShares iBonds Ded 2031 Term Corp ETF	10,685	$217K	0.1%	$20.29	—	ETF	46436E486
D	Dominion Res Inc Va	4,300	$211K	0.1%	$62.04	-24.1%	COM	25746U109
XLRE	Real Estate Sector SPDR	5,387	$207K	0.1%	$40.06	—	ETF	81369Y860
SYY	Sysco Inc	2,875	$205K	0.1%	$50.42	+41.1%	COM	871829107
WYNN	Wynn Resorts	2,255	$202K	0.1%	$102.04	-7.5%	COM	983134107