Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHX	Schwab Dow Jones US Large Cap ETF	1,498,589	$34.36M	8.2%	$28.93	—	ETF	808524201
VSLU	Applied Finance Valuation Lg Cap ETF	612,775	$22.33M	5.3%	$32.87	—	ETF	26923N405
SCHD	Schwab Dow Jones US Div Eq ETF	784,451	$22.22M	5.3%	$25.96	—	ETF	808524797
AAPL	Apple, Inc	73,529	$17.16M	4.1%	$110.64	+100.6%	COM	037833100
UITB	VictoryShares Core Intermediate Bond ETF	346,932	$16.21M	3.9%	$46.27	—	ETF	92647N527
MSFT	Microsoft Corp	31,008	$13.23M	3.2%	$47.94	+782.5%	COM	594918104
SGOL	ETFS Phys. Swiss Gold Shares	455,776	$11.93M	2.9%	$16.63	—	ETF	00326A104
NVDA	Nvidia Corp	72,538	$10.19M	2.4%	$92.79	+27.2%	COM	67066G104
GOOGL	Alphabet, Inc. Cl A	58,554	$9.762M	2.3%	$106.57	+56.4%	COM	02079K305
DFAE	Dimensional Emerg Core Equity Mkt ETF	340,788	$9.16M	2.2%	$23.37	—	ETF	25434V302
SCHM	Schwab Dow Jones US Mid-Cap ETF	268,081	$7.485M	1.8%	$33.65	—	ETF	808524508
VTEB	Vanguard Tax-Exempt Bond ETF	146,112	$7.357M	1.8%	$49.98	—	ETF	922907746
SCHG	Schwab Dow Jones US Large Growth ETF	261,911	$6.969M	1.7%	$30.86	—	ETF	808524300
VOO	Vanguard S&P 500 ETF	12,761	$6.813M	1.6%	$322.32	—	ETF	922908363
NOBL	Proshares S&P 500 Div Aristocrats	62,393	$6.58M	1.6%	$76.55	—	ETF	74348A467
SCHF	Schwab FTSE Developed ex-US ETF	310,878	$6.168M	1.5%	$19.76	—	ETF	808524805
FPE	First Trust Preferred Sec & Inc ETF	327,098	$5.881M	1.4%	$16.79	—	ETF	33739E108
GSIE	Goldman Sachs ActiveBeta Intl Eq ETF	158,758	$5.544M	1.3%	$33.05	—	ETF	381430107
MRK	Merck & Co Inc	51,860	$5.405M	1.3%	$67.62	+67.1%	COM	58933Y105
JPM	J P Morgan Chase & Co	23,561	$5.313M	1.3%	$90.20	+127.2%	COM	46625H100
AMZN	Amazon.com	27,709	$5.22M	1.3%	$129.74	+40.6%	COM	023135106
AVGO	Broadcom Limited	29,319	$5.043M	1.2%	$145.62	+8.5%	COM	11135F101
SCHV	Schwab Dow Jones US Large Value ETF	182,592	$4.908M	1.2%	$31.45	—	ETF	808524409
SCHA	Schwab Dow Jones US Sm-Cap ETF	178,219	$4.627M	1.1%	$37.40	—	ETF	808524607
JMUB	J.P. Morgan Municipal ETF	87,358	$4.413M	1.1%	$50.49	—	ETF	46641Q647
IJH	iShares S&P Midcap 400 Index ETF	65,642	$4.118M	1.0%	$76.56	—	ETF	464287507
JNJ	Johnson & Johnson	24,422	$3.947M	0.9%	$114.46	+33.4%	COM	478160104
PG	Procter & Gamble Inc	21,065	$3.566M	0.9%	$60.25	+172.6%	COM	742718109
VO	Vanguard Mid-Cap ETF	12,856	$3.429M	0.8%	$222.98	—	ETF	922908629
PWR	Quanta Services Inc	10,785	$3.379M	0.8%	$126.12	+109.2%	COM	74762E102
IBDU	iShares iBonds Dec 2029 Corp Bd ETF	142,702	$3.292M	0.8%	$22.68	—	ETF	46436E205
LOW	Lowes Companies	11,986	$3.212M	0.8%	$63.34	+272.8%	COM	548661107
IJR	iShares S&P Smallcap 600 Index ETF	26,147	$3.038M	0.7%	$86.51	—	ETF	464287804
IBMO	iShares iBonds Dec 2026 Muni Bd ETF	118,719	$3.036M	0.7%	$25.14	—	ETF	46435U259
BRK/B	Berkshire Hathaway B	6,490	$2.976M	0.7%	$160.34	+175.8%	COM	084670702
META	Meta Platforms Cl A	5,088	$2.942M	0.7%	$289.88	+76.7%	COM	30303M102
PEP	Pepsico	16,977	$2.883M	0.7%	$66.04	+146.7%	COM	713448108
SDY	SPDR S&P Dividend ETF	20,417	$2.866M	0.7%	$74.09	—	ETF	78464A763
GLD	SPDR Gold Shares	11,204	$2.838M	0.7%	$143.76	—	ETF	78463V107
FISV	Fiserv Inc	13,367	$2.692M	0.6%	$78.51	+110.1%	COM	337738108
RTX	RTX Corp.	21,453	$2.691M	0.6%	$87.27	+27.3%	COM	75513E101
SPY	SPDR S&P 500 ETF	4,533	$2.633M	0.6%	$302.80	—	ETF	78462F103
PANW	Palo Alto Networks Inc	7,220	$2.616M	0.6%	$71.51	+135.4%	COM	697435105
GOOG	Alphabet, Inc. Cl C	15,410	$2.594M	0.6%	$106.94	+57.3%	COM	02079K107
AMGN	Amgen Inc	8,163	$2.589M	0.6%	$117.32	+166.9%	COM	031162100
BAC	Bank Of America	55,347	$2.359M	0.6%	$25.24	+53.6%	COM	060505104
CVX	ChevronTexaco Corp	15,565	$2.343M	0.6%	$81.74	+71.2%	COM	166764100
IBM	International Business Machines	10,575	$2.252M	0.5%	$105.23	+79.6%	COM	459200101
LHX	L3Harris Technologies Inc	8,914	$2.211M	0.5%	$179.24	+25.3%	COM	502431109
UNP	Union Pacific Corp	9,500	$2.204M	0.5%	$71.27	+229.3%	COM	907818108
DFAI	Dimensional International Core Equity Mkt ETF	66,631	$2.042M	0.5%	$28.20	—	ETF	25434V203
XOM	Exxon-Mobil	17,146	$2.039M	0.5%	$71.67	+53.5%	COM	30231G102
HD	Home Depot	5,005	$2.017M	0.5%	$215.85	+63.4%	COM	437076102
—	iShares iBonds Dec 2025 Muni Bd ETF	75,546	$2.01M	0.5%	$26.44	—	ETF	46435U432
CSCO	Cisco Systems	33,860	$1.872M	0.4%	$22.75	+105.6%	COM	17275R102
IBMP	iShares iBonds Dec 2027 Muni Bd ETF	70,995	$1.794M	0.4%	$25.22	—	ETF	46435U283
MA	Mastercard Inc	3,422	$1.739M	0.4%	$225.10	+105.1%	COM	57636Q104
ADP	Automatic Data Processing	5,935	$1.7M	0.4%	$84.07	+201.5%	COM	053015103
VUG	Vanguard Growth ETF	4,125	$1.621M	0.4%	$80.76	—	ETF	922908736
SCHB	Schwab Dow Jones US Broad Mkt ETF	71,485	$1.606M	0.4%	$28.83	—	ETF	808524102
JHSC	JH/DFA Small Cap Multifactor ETF	38,699	$1.553M	0.4%	$37.02	—	ETF	47804J842
VBR	Vanguard Small-Cap Value ETF	7,652	$1.54M	0.4%	$150.46	—	ETF	922908611
MCD	McDonalds Corp	5,043	$1.497M	0.4%	$84.09	+217.1%	COM	580135101
V	Visa, Inc.	5,207	$1.48M	0.4%	$88.31	+203.2%	COM	92826C839
QCOM	Qualcomm Corp	8,369	$1.441M	0.3%	$128.35	+33.4%	COM	747525103
MDT	Medtronic plc	15,796	$1.431M	0.3%	$86.30	-6.3%	COM	G5960L103
NEE	NextEra Energy Inc.	16,979	$1.407M	0.3%	$63.08	+18.7%	COM	65339F101
TMO	Thermo Fisher Scientific	2,489	$1.375M	0.3%	$149.31	+294.6%	COM	883556102
VTV	Vanguard Value ETF	7,683	$1.341M	0.3%	$84.95	—	ETF	922908744
IEMG	iShare Core MSCI Emerging Markets	23,512	$1.329M	0.3%	$46.87	—	ETF	46434G103
VZ	Verizon Communications	31,039	$1.292M	0.3%	$40.76	-5.8%	COM	92343V104
EMR	Emerson Electric	11,730	$1.275M	0.3%	$49.30	+113.2%	COM	291011104
ORCL	Oracle Systems	7,206	$1.242M	0.3%	$59.44	+140.6%	COM	68389X105
LLY	Lilly Eli & Co	1,327	$1.188M	0.3%	$186.64	+377.0%	COM	532457108
XLK	SPDR Technology Select Sector	5,122	$1.179M	0.3%	$74.88	—	ETF	81369Y803
CRM	Salesforce Com	3,913	$1.15M	0.3%	$168.91	+50.3%	COOM	79466L302
DHR	Danaher Corp	4,598	$1.122M	0.3%	$47.24	+455.6%	COM	235851102
—	iShares iBonds Dec 2025 Corp Bd ETF	43,487	$1.091M	0.3%	$24.54	—	ETF	46434VBD1
CWI	SPDR MSCI Acwi Ex-US	36,509	$1.084M	0.3%	$29.41	—	ETF	78463X848
MDLZ	Mondelez Intl Inc Cl A	15,502	$1.078M	0.3%	$46.84	+43.4%	COM	609207105
VNQ	Vanguard REIT	11,180	$1.074M	0.3%	$80.84	—	ETF	922908553
XBI	SPDR S&P Biotech ETF	10,856	$1.069M	0.3%	$95.62	—	ETF	78464A870
BX	Blackstone Group Lp	6,194	$1.053M	0.3%	$54.62	+144.7%	COM	09260D107
ROP	Roper Technologies, Inc	1,883	$1.027M	0.2%	$263.96	+106.3%	COM	776696106
WMT	Wal-Mart Stores	12,106	$1.002M	0.2%	$49.35	+46.9%	COM	931142103
IBMQ	iShares iBonds Dec 2028 Muni Bd ETF	39,366	$997K	0.2%	$25.47	—	ETF	46435U325
BMY	Bristol Myers Squibb	18,171	$956K	0.2%	$41.45	+5.3%	COM	110122108
CFG	Citizens Financial Group	22,332	$954K	0.2%	$28.31	+35.7%	COM	174610105
ITW	Illinois Tool Works	3,523	$905K	0.2%	$111.69	+112.5%	COM	452308109
KO	Coca Cola	13,552	$903K	0.2%	$33.36	+96.8%	COM	191216100
HPQ	Hewlett Packard	22,453	$840K	0.2%	$22.70	+46.5%	COM	40434L105
KLAC	KLA Tencor Corp	1,214	$818K	0.2%	$339.12	+128.6%	COM	482480100
DIS	Disney Walt Co	8,223	$791K	0.2%	$76.95	+17.7%	COM	254687106
IVV	iShares Core S&P 500 ETF	1,349	$787K	0.2%	$525.73	—	ETF	464287200
PBE	Invesco Biotech & Genomics ETF	11,422	$781K	0.2%	$58.84	—	ETF	46137V787
ADBE	Adobe Systems	1,604	$772K	0.2%	$539.91	+1.6%	COM	00724F101
CMC	Commercial Metals Co	13,863	$753K	0.2%	$23.09	+129.6%	COM	201723103
ABBV	AbbVie Inc	3,930	$745K	0.2%	$135.72	+31.7%	COM	00287Y109
TJX	TJX Cos Inc	6,327	$722K	0.2%	$46.73	+141.2%	COM	872540109
GE	General Electric	4,007	$703K	0.2%	$92.81	+80.9%	COM	369604301
LMT	Lockheed Martin Corp	1,245	$691K	0.2%	$172.16	+199.9%	COM	539830109
PEG	Public Svc Enterprise	7,208	$652K	0.2%	$47.46	+60.9%	COM	744573106
MUNI	Pimco Intermediate Muni ETF	12,202	$635K	0.2%	$52.08	—	ETF	72201R866
AMAT	Applied Materials	3,289	$610K	0.1%	$29.70	+581.3%	COM	038222105
CVS	CVS Health Corporation	10,613	$609K	0.1%	$48.93	+12.8%	COM	126650100
VDC	Vanguard Consumer Staples ETF	2,721	$585K	0.1%	$125.71	—	ETF	92204A207
MUB	iShares S & P Nat'l AMT-Free Muni Bd	5,222	$559K	0.1%	$107.55	—	ETF	464288414
ABT	Abbott Labs	4,892	$558K	0.1%	$36.07	+196.8%	COM	002824100
STT	State Street Boston Corp	6,000	$558K	0.1%	$44.55	+76.8%	COM	857477103
STZ	Constellation Brands	2,307	$548K	0.1%	$198.54	+21.0%	COM	21036P108
IVW	iShares S&P 500 Barra Gr. Fd.	5,603	$547K	0.1%	$69.93	—	ETF	464287309
PFE	Pfizer Inc	18,141	$524K	0.1%	$20.88	+27.8%	COM	717081103
COST	Costco Whsl Corp	585	$521K	0.1%	$449.20	+91.9%	COM	22160K105
IBDR	iShares iBonds Dec 2026 Corp Bd ETF	20,720	$500K	0.1%	$23.48	—	ETF	46435GAA0
TFC	Truist Finl Corp	11,501	$498K	0.1%	$29.73	+33.1%	COM	89832Q109
GS	Goldman Sachs Group	881	$462K	0.1%	$228.79	+107.7%	COM	38141G104
AMT	American Tower Corp	2,071	$460K	0.1%	$214.74	-1.8%	COM	03027X100
FNDX	Sch Fundamental US Large Co ETF	19,100	$458K	0.1%	$21.40	—	ETF	808524771
PYPL	Paypal Holdings, Inc.	5,325	$445K	0.1%	$64.44	+3.6%	COM	70450Y103
DD	Du Pont E I De Nemours	5,271	$442K	0.1%	$26.72	+23.4%	COM	26614N102
LKQ	LKQ Corp	11,614	$439K	0.1%	$45.62	-13.7%	COM	501889208
MDY	S&P 400 Mid-Cap SPDR ETF	753	$432K	0.1%	$128385.95	—	ETF	78467Y107
NVS	Novartis ADR	3,699	$428K	0.1%	$71.89	—	ADR	66987V109
TSN	Tyson Foods Inc	7,163	$424K	0.1%	$52.14	+11.6%	COM	902494103
IBDV	iShares iBonds Dec 2030 Corp Bd ETF	19,318	$418K	0.1%	$21.47	—	ETF	46436E726
NKE	Nike Inc Class B	5,055	$399K	0.1%	$75.42	+0.8%	COM	654106103
HACK	HACK- Cyber Security ETF	5,668	$398K	0.1%	$64.14	—	ETF	032108664
TGT	Target Corp	2,664	$398K	0.1%	$119.77	+17.7%	COM	87612E106
SCHZ	Schwab US AGG Bnd ETF	16,939	$391K	0.1%	$42.03	—	ETF	808524839
AON	AON Corp	1,050	$390K	0.1%	$191.78	+69.1%	COM	G0403H108
IBDS	iShares iBonds Dec 2027 Corp Bd ETF	15,698	$378K	0.1%	$23.96	—	ETF	46435UAA9
INTU	Intuit Inc.	600	$367K	0.1%	$340.30	+86.0%	COM	461202103
VRTX	Vertex Pharmaceuticals	766	$365K	0.1%	$226.04	+112.5%	COM	92532F100
MPLX	MPLX LP	8,300	$363K	0.1%	$29.74	—	COM	55336V100
COP	Conoco Phillips	3,475	$359K	0.1%	$49.57	+112.0%	COM	20825C104
CARR	Carrier Global Corp	4,680	$354K	0.1%	$43.10	+59.0%	COM	14448C104
—	Wells Fargo & Co 7.50 Pfd	286	$349K	0.1%	$1215.20	—	PFD	949746804
REGN	Regeneron Pharm	372	$345K	0.1%	$710.07	+55.9%	COM	75886F107
INCY	Incyte Genomics Inc	5,022	$330K	0.1%	$60.29	+5.8%	COM	45337C102
KMI	Kinder Morgan Inc	13,244	$328K	0.1%	$14.52	+36.8%	COM	49456B101
VXUS	Vanguard Total International Stock	5,036	$316K	0.1%	$55.44	—	ETF	921909768
VOE	Vanguard Mid Cap Value ETF	1,841	$309K	0.1%	$101.42	—	ETF	922908512
MTUM	iShares MSCI USA Momentum	1,497	$309K	0.1%	$139.42	—	ETF	46432F396
IBDW	iShares iBonds Ded 2031 Term Corp ETF	14,776	$306K	0.1%	$20.40	—	ETF	46436E486
MMM	3M Company	2,294	$299K	0.1%	$75.54	+57.7%	COM	88579Y101
XLE	Sector Spdr Engy Select	3,350	$299K	0.1%	$72.19	—	ETF	81369Y506
IWM	iShares Russell 2000 Index Fund ETF	1,303	$290K	0.1%	$196.22	—	ETF	464287655
SPLV	Invesco S&P 500 Low Volatility ETF	4,028	$289K	0.1%	$63.91	—	ETF	46138E354
GEV	GE Vernova Llc Com	998	$289K	0.1%	$191.56	0.0%	COM	36828A101
TSLA	Tesla Motors Inc	1,096	$288K	0.1%	$174.77	+30.5%	COM	88160R101
NOC	Northrop Grumman Corp	553	$283K	0.1%	$478.00	0.0%	COM	666807102
MS	Morgan Stanley Group	2,328	$277K	0.1%	$74.81	+29.5%	COM	617446448
CI	Cigna	856	$270K	0.1%	$218.34	+53.4%	COM	125523100
CTVA	Corteva Inc	4,397	$269K	0.1%	$53.80	0.0%	COM	22052L104
WFC	Wells Fargo & Company	4,030	$264K	0.1%	$41.81	+31.2%	COM	949746101
—	Unilever Plc Adr New	4,200	$263K	0.1%	$50.35	—	ADR	904767704
VLO	Valero Energy Corp.	1,985	$262K	0.1%	$120.24	+15.9%	COM	91913Y100
INTC	Intel Corp	11,419	$262K	0.1%	$48.05	-48.2%	COM	458140100
D	Dominion Res Inc Va	4,300	$259K	0.1%	$62.04	-17.5%	COM	25746U109
XLRE	Real Estate Sector SPDR	5,829	$258K	0.1%	$40.37	—	ETF	81369Y860
PM	Philip Morris Intl Inc	1,950	$254K	0.1%	$109.82	0.0%	COM	718172109
PPG	PPG Inds Inc	1,920	$245K	0.1%	$86.36	+41.3%	COM	693506107
PLTR	Palantir Technologies Inc Ordinary Shares - Class	5,414	$243K	0.1%	$30.69	0.0%	COM	69608A108
WYNN	Wynn Resorts	2,466	$243K	0.1%	$100.10	-20.8%	COM	983134107
TEL	TE Connectivity Ltd	1,565	$236K	0.1%	$146.90	0.0%	COM	G87052109
TDVG	T. Rowe Price Dividend Growth ETF	5,721	$232K	0.1%	$40.53	—	ETF	87283Q404
TSM	Taiwan Semiconductr Adrf	1,166	$227K	0.1%	$194.68	—	ADR	874039100
DOW	Dow Chemical	4,455	$223K	0.1%	$47.92	0.0%	COM	260557103
SYY	Sysco Inc	2,875	$216K	0.1%	$50.42	+43.0%	COM	871829107
MO	Altria Group Inc	4,254	$214K	0.1%	$45.53	0.0%	COM	02209S103
SBUX	Starbucks Corp	2,118	$208K	0.0%	$82.83	0.0%	COM	855244109
BDX	Becton Dickinson	868	$207K	0.0%	$137.19	+65.9%	COM	075887109
DEO	Diageo Plc	1,551	$207K	0.0%	$133.38	—	COM	25243Q205
SOFI	SoFi Technologies ORD	18,373	$206K	0.0%	$7.27	0.0%	ORD	83406F102
ALL	Allstate Corp	1,080	$204K	0.0%	$172.85	0.0%	COM	020002101
PAYX	Paychex Inc	1,434	$201K	0.0%	$121.91	0.0%	COM	704326107
SNDL	Sundial Growers Inc	54,420	$120K	0.0%	$2.09	0.0%	COM	83307B101
ZYXIQ	Zynex Inc	12,215	$108K	0.0%	$8.43	0.0%	COM	98986M103
MLCO	MLCO	13,355	$93,351	0.0%	$6.99	—	COM	585464100
SKIN	Beauty Health Company CL A ORD	51,144	$90,525	0.0%	$1.64	0.0%	ORD	88331L108
NIO	NIO, Inc.Adr	10,123	$58,815	0.0%	$5.81	—	ADR	62914V106
—	Clearside Biomedical Inc	28,023	$30,825	0.0%	$1.10	—	COM	185063104
—	Tilray Inc	16,150	$27,940	0.0%	$1.73	—	COM	88688T100
ONCY	Oncolytics Biotech	22,015	$26,858	0.0%	$0.98	0.0%	COM	682310875
ADAPY	Adaptimmune Therapeutics PLC	27,957	$20,610	0.0%	$0.74	—	COM	00653A107
OVID	Ovid Therapeutics Inc	16,522	$19,331	0.0%	$1.04	0.0%	COM	690469101
BRTX	BioRestorative Therapies Inc	10,522	$16,625	0.0%	$1.65	0.0%	COM	090655606