Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHX	Schwab Dow Jones US Large Cap ETF	1,544,007	$40.67M	8.8%	$28.67	—	ETF	808524201
VSLU	Applied Finance Valuation Lg Cap ETF	688,156	$29.38M	6.3%	$39.15	—	ETF	26923N405
SCHD	Schwab Dow Jones US Div Eq ETF	921,785	$25.16M	5.4%	$26.19	—	ETF	808524797
UITB	VictoryShares Core Intermediate Bond ETF	461,389	$21.93M	4.7%	$46.45	—	ETF	92647N527
AAPL	Apple, Inc	59,087	$15.05M	3.2%	$110.64	+103.9%	COM	037833100
SGOL	ETFS Phys. Swiss Gold Shares	406,451	$14.96M	3.2%	$16.63	—	ETF	00326A104
MSFT	Microsoft Corp	27,068	$14.02M	3.0%	$47.94	+961.1%	COM	594918104
GOOGL	Alphabet, Inc. Cl A	53,038	$12.89M	2.8%	$106.57	+96.3%	COM	02079K305
DFAE	Dimensional Emerg Core Equity Mkt ETF	350,866	$11.06M	2.4%	$23.68	—	ETF	25434V302
NVDA	Nvidia Corp	58,924	$10.99M	2.4%	$92.79	+87.8%	COM	67066G104
AVGO	Broadcom Limited	24,802	$8.182M	1.8%	$145.62	+110.0%	COM	11135F101
VOO	Vanguard S&P 500 ETF	12,579	$7.703M	1.7%	$333.81	—	ETF	922908363
SCHF	Schwab FTSE Developed ex-US ETF	328,868	$7.656M	1.7%	$19.73	—	ETF	808524805
FPE	First Trust Preferred Sec & Inc ETF	405,771	$7.401M	1.6%	$17.00	—	ETF	33739E108
SCHG	Schwab Dow Jones US Large Growth ETF	225,323	$7.19M	1.6%	$30.86	—	ETF	808524300
GSIE	Goldman Sachs ActiveBeta Intl Eq ETF	172,192	$7.079M	1.5%	$33.44	—	ETF	381430107
JHMM	J H Multifactor Mid Cap ETF	102,472	$6.629M	1.4%	$61.25	—	ETF	47804J206
AMZN	Amazon.com	28,790	$6.321M	1.4%	$132.72	+70.6%	COM	023135106
JPM	J P Morgan Chase & Co	19,405	$6.121M	1.3%	$90.20	+228.1%	COM	46625H100
JMUB	J.P. Morgan Municipal ETF	116,905	$5.9M	1.3%	$50.37	—	ETF	46641Q647
MUNI	PIMCO Intermediate Muni ETF	108,175	$5.655M	1.2%	$51.71	—	ETF	72201R866
SCHV	Schwab Dow Jones US Large Value ETF	157,737	$4.592M	1.0%	$31.45	—	ETF	808524409
VO	Vanguard Mid-Cap ETF	15,613	$4.586M	1.0%	$230.23	—	ETF	922908629
SCHM	Schwab Dow Jones US Mid-Cap ETF	149,815	$4.441M	1.0%	$33.34	—	ETF	808524508
IJH	iShares S&P Midcap 400 Index ETF	66,126	$4.315M	0.9%	$75.95	—	ETF	464287507
DFAI	Dimensional International Core Equity Mkt ETF	115,035	$4.182M	0.9%	$30.09	—	ETF	25434V203
IBDU	iShares iBonds Dec 2029 Corp Bond ETF	174,944	$4.106M	0.9%	$23.34	—	ETF	46436E205
JNJ	Johnson & Johnson	21,720	$4.027M	0.9%	$150.84	+12.4%	COM	478160104
MRK	Merck & Co Inc	44,695	$3.751M	0.8%	$67.62	+19.8%	COM	58933Y105
GLD	SPDR Gold Shares	10,484	$3.727M	0.8%	$143.76	—	ETF	78463V107
PWR	Quanta Services Inc	8,991	$3.726M	0.8%	$126.12	+208.0%	COM	74762E102
META	Meta Platforms Cl A	5,065	$3.719M	0.8%	$308.39	+141.0%	COM	30303M102
VEU	Vanguard FTSE All-World ex-USA ETF	51,918	$3.705M	0.8%	$57.95	—	ETF	922042775
SCHA	Schwab Dow Jones US Sm-Cap ETF	129,408	$3.61M	0.8%	$37.13	—	ETF	808524607
RTX	RTX Corp.	20,669	$3.459M	0.7%	$87.27	+76.8%	COM	75513E101
GOOG	Alphabet, Inc. Cl C	13,529	$3.295M	0.7%	$106.94	+96.3%	COM	02079K107
BRK/B	Berkshire Hathaway B	6,516	$3.276M	0.7%	$165.31	+193.0%	COM	084670702
SPY	SPDR S&P 500 ETF	4,587	$3.056M	0.7%	$320.09	—	ETF	78462F103
VTEB	Vanguard Tax-Exempt Bond ETF	60,044	$3.006M	0.6%	$49.97	—	ETF	922907746
PANW	Palo Alto Networks Inc	13,795	$2.809M	0.6%	$128.84	+48.6%	COM	697435105
IJR	iShares S&P Smallcap 600 Index ETF	23,174	$2.754M	0.6%	$86.51	—	ETF	464287804
BAC	Bank Of America	52,909	$2.73M	0.6%	$25.24	+91.5%	COM	060505104
PG	Procter & Gamble Inc	17,763	$2.729M	0.6%	$60.25	+157.1%	COM	742718109
NOBL	Proshares S&P 500 Div Aristocrats	26,452	$2.726M	0.6%	$76.55	—	ETF	74348A467
LOW	Lowes Companies	10,738	$2.699M	0.6%	$63.34	+285.5%	COM	548661107
SDY	SPDR S&P Dividend ETF	18,407	$2.578M	0.6%	$74.09	—	ETF	78464A763
IBM	International Business Machines	8,875	$2.504M	0.5%	$105.23	+146.6%	COM	459200101
IBMO	iShares iBonds Dec 2026 Muni Bond ETF	96,059	$2.465M	0.5%	$25.62	—	ETF	46435U259
LHX	L3Harris Technologies Inc	7,507	$2.293M	0.5%	$179.24	+51.4%	COM	502431109
CSCO	Cisco Systems	32,238	$2.206M	0.5%	$23.33	+188.8%	COM	17275R102
UNP	Union Pacific Corp	9,227	$2.181M	0.5%	$71.27	+213.1%	COM	907818108
CVX	ChevronTexaco Corp	13,925	$2.162M	0.5%	$81.74	+86.3%	COM	166764100
AMGN	Amgen Inc	7,647	$2.158M	0.5%	$119.02	+140.8%	COM	031162100
PEP	Pepsico	14,750	$2.071M	0.4%	$66.04	+112.6%	COM	713448108
ORCL	Oracle Systems	7,108	$1.999M	0.4%	$61.13	+315.8%	COM	68389X105
HD	Home Depot	4,796	$1.943M	0.4%	$215.85	+80.3%	COM	437076102
SCHB	Schwab Dow Jones US Broad Mkt ETF	69,764	$1.794M	0.4%	$28.83	—	ETF	808524102
ADP	Automatic Data Processing	5,835	$1.713M	0.4%	$84.07	+254.2%	COM	053015103
IBMP	iShares iBonds Dec 2027 Muni Bond ETF	65,953	$1.68M	0.4%	$25.22	—	ETF	46435U283
MA	Mastercard Inc	2,856	$1.625M	0.4%	$225.10	+154.8%	COM	57636Q104
FISV	Fiserv Inc	12,514	$1.613M	0.3%	$79.60	+80.0%	COM	337738108
V	Visa, Inc.	4,708	$1.607M	0.3%	$92.02	+275.1%	COM	92826C839
JHSC	JH/DFA Small Cap Multifactor ETF	35,710	$1.494M	0.3%	$39.05	—	ETF	47804J842
XLK	SPDR Technology Select Sector	5,159	$1.454M	0.3%	$83.00	—	ETF	81369Y803
MCD	McDonalds Corp	4,777	$1.452M	0.3%	$84.09	+258.4%	COM	580135101
EMR	Emerson Electric	10,785	$1.415M	0.3%	$49.30	+174.8%	COM	291011104
VBR	Vanguard Small-Cap Value ETF	6,664	$1.391M	0.3%	$150.46	—	ETF	922908611
NEE	NextEra Energy Inc.	18,177	$1.372M	0.3%	$64.18	+12.5%	COM	65339F101
VZ	Verizon Communications	29,477	$1.296M	0.3%	$40.74	+4.3%	COM	92343V104
QCOM	Qualcomm Corp	7,442	$1.238M	0.3%	$128.35	+22.5%	COM	747525103
IBMQ	iShares iBonds Dec 2028 Muni Bond ETF	48,256	$1.237M	0.3%	$25.44	—	ETF	46435U325
MDT	Medtronic plc	12,961	$1.234M	0.3%	$86.30	+5.8%	COM	G5960L103
XOM	Exxon-Mobil	10,892	$1.228M	0.3%	$72.23	+51.9%	COM	30231G102
KLAC	KLA Tencor Corp	1,138	$1.227M	0.3%	$351.22	+164.9%	COM	482480100
TMO	Thermo Fisher Scientific	2,422	$1.175M	0.3%	$163.22	+184.8%	COM	883556102
CWI	SPDR MSCI Acwi Ex-US	32,095	$1.121M	0.2%	$29.42	—	ETF	78463X848
BX	Blackstone Group Lp	6,106	$1.043M	0.2%	$54.62	+210.2%	COM	09260D107
CFG	Citizens Financial Group	19,485	$1.036M	0.2%	$28.31	+73.8%	COM	174610105
AMAT	Applied Materials	5,022	$1.028M	0.2%	$82.06	+120.3%	COM	038222105
IEMG	iShare Core MSCI Emerging Markets	15,394	$1.015M	0.2%	$46.87	—	ETF	46434G103
ROP	Roper Technologies, Inc	1,995	$995K	0.2%	$316.98	+67.6%	COM	776696106
CRM	Salesforce Com	4,170	$988K	0.2%	$181.30	+38.7%	COM	79466L302
VUG	Vanguard Growth ETF	2,057	$987K	0.2%	$80.76	—	ETF	922908736
VIG	Vanguard Div Appreciation ETF	4,544	$981K	0.2%	$195.84	—	ETF	921908844
ABBV	AbbVie Inc	4,220	$977K	0.2%	$140.46	+43.8%	COM	00287Y109
DIS	Disney Walt Co	8,405	$962K	0.2%	$103.20	+13.4%	COM	254687106
IVV	iShares Core S&P 500 ETF	1,383	$926K	0.2%	$620.90	—	ETF	464287200
GS	Goldman Sachs Group	1,143	$911K	0.2%	$317.88	+131.2%	COM	38141G104
KO	Coca Cola	13,693	$908K	0.2%	$33.72	+101.4%	COM	191216100
WMT	Wal-Mart Stores	8,785	$905K	0.2%	$50.47	+96.6%	COM	931142103
VTV	Vanguard Value ETF	4,683	$873K	0.2%	$84.95	—	ETF	922908744
IBDW	iShares iBonds Dec 2031 Corp Bond ETF	40,966	$869K	0.2%	$20.83	—	ETF	46436E486
XBI	SPDR S&P Biotech ETF	8,581	$860K	0.2%	$95.62	—	ETF	78464A870
TJX	TJX Cos Inc	5,943	$859K	0.2%	$49.76	+165.8%	COM	872540109
PLTR	Palantir Technologies Inc.	4,635	$846K	0.2%	$39.80	+307.2%	COM	69608A108
VNQ	Vanguard REIT	8,929	$816K	0.2%	$80.84	—	ETF	922908553
IBMS	iShares iBonds Dec 2030 Muni Bond ETF	31,016	$809K	0.2%	$25.66	—	ETF	46438G687
MDLZ	Mondelez Intl Inc Cl A	12,690	$793K	0.2%	$46.84	+35.4%	COM	609207105
BMY	Bristol Myers Squibb	17,411	$785K	0.2%	$41.70	+9.1%	COM	110122108
LLY	Lilly Eli & Co	1,016	$775K	0.2%	$186.64	+297.7%	COM	532457108
ITW	Illinois Tool Works	2,963	$773K	0.2%	$111.69	+130.4%	COM	452308109
GE	General Electric	2,543	$765K	0.2%	$92.81	+193.8%	COM	369604301
CMC	Commercial Metals Co	13,325	$763K	0.2%	$23.09	+138.0%	COM	201723103
DHR	Danaher Corp	3,669	$727K	0.2%	$47.24	+319.9%	COM	235851102
STT	State Street Boston Corp	6,011	$697K	0.2%	$44.55	+147.1%	ETF	857477103
PBE	Invesco Biotech & Genomics ETF	9,772	$683K	0.1%	$58.84	—	ETF	46137V787
ABT	Abbott Labs	5,097	$683K	0.1%	$39.41	+231.4%	COM	002824100
CVS	CVS Health Corporation	8,872	$669K	0.1%	$48.93	+38.6%	COM	126650100
HPQ	Hewlett Packard	23,528	$641K	0.1%	$23.23	+12.5%	COM	40434L105
IBDV	iShares iBonds Dec 2030 Corp Bond ETF	28,549	$632K	0.1%	$21.61	—	ETF	46436E726
ADBE	Adobe Systems	1,768	$624K	0.1%	$513.71	-30.2%	COM	00724F101
IBMR	iShares iBonds Dec 2029 Muni Bond ETF	22,342	$570K	0.1%	$25.31	—	ETF	46436E163
COST	Costco Whsl Corp	588	$544K	0.1%	$456.23	+109.7%	COM	22160K105
TSLA	Tesla Motors Inc	1,202	$535K	0.1%	$223.00	+55.5%	COM	88160R101
IVW	iShares S&P 500 Barra Gr. Fd.	4,159	$502K	0.1%	$69.93	—	ETF	464287309
VDC	Vanguard Consumer Staples ETF	2,347	$502K	0.1%	$125.71	—	ETF	92204A207
HACK	HACK- Cyber Security ETF	5,779	$502K	0.1%	$64.29	—	ETF	032108664
VTI	Vanguard Total Stock Mkt ETF	1,521	$499K	0.1%	$303.97	—	ETF	922908769
PEG	Public Svc Enterprise	5,617	$469K	0.1%	$47.46	+74.3%	COM	744573106
NVS	Novartis ADR	3,499	$449K	0.1%	$71.89	—	ADR	66987V109
INTU	Intuit Inc.	650	$444K	0.1%	$361.27	+99.1%	COM	461202103
GEV	Ge Vernova Llc Com	720	$443K	0.1%	$201.26	+200.9%	COM	36828A101
PYPL	Paypal Holdings, Inc.	6,585	$442K	0.1%	$65.17	+7.9%	COM	70450Y103
IBDR	iShares iBonds Dec 2026 Corp Bond ETF	17,685	$430K	0.1%	$23.51	—	ETF	46435GAA0
VXUS	Vanguard Total International Stock	5,673	$417K	0.1%	$57.36	—	ETF	921909768
INCY	Incyte Genomics Inc	4,865	$413K	0.1%	$60.78	+30.0%	COM	45337C102
MTUM	iShares MSCI USA Momentum	1,590	$408K	0.1%	$146.85	—	ETF	46432F396
MDY	S&P 400 Mid-Cap SPDR ETF	681	$406K	0.1%	$126884.75	—	ETF	78467Y107
MPLX	MPLX LP	8,100	$405K	0.1%	$29.74	—	COM	55336V100
AMT	American Tower Corp	2,076	$399K	0.1%	$213.57	-4.2%	COM	03027X100
PFE	Pfizer Inc	15,628	$398K	0.1%	$20.88	+15.7%	COM	717081103
IBDS	iShares iBonds Dec 2027 Corp Bond ETF	16,300	$397K	0.1%	$23.98	—	ETF	46435UAA9
VEA	Vanguard FTSE Dev Mkt ETF	6,617	$396K	0.1%	$48.31	—	ETF	921943858
CIBR	First Trust NASDAQ Cybersecurity ETF	5,201	$395K	0.1%	$75.59	—	ETF	33734X846
TSN	Tyson Foods Inc	7,133	$387K	0.1%	$52.48	+3.7%	COM	902494103
FNDX	Sch Fundamental US Large Co ETF	14,442	$380K	0.1%	$24.54	—	ETF	808524771
CRWD	Crowdstrike Hldgs Inc	760	$373K	0.1%	$454.77	0.0%	COM	22788C105
AON	AON Corp	1,041	$371K	0.1%	$191.78	+88.5%	COM	G0403H108
MS	Morgan Stanley Group	2,328	$370K	0.1%	$74.81	+95.8%	COM	617446448
—	Wells Fargo & Co 7.50pcnt Pfd	292	$360K	0.1%	$1214.64	—	PFD	949746804
MMM	3M Company	2,297	$356K	0.1%	$75.54	+102.7%	COM	88579Y101
IWM	iShares Russell 2000 Index Fund ETF	1,453	$352K	0.1%	$196.77	—	ETF	464287655
BN	Brookfield Corp.	5,025	$345K	0.1%	$37.62	+17.5%	COM	11271J107
NOC	Northrop Grumman Corp	563	$343K	0.1%	$478.14	+17.8%	COM	666807102
PM	Philip Morris Intl Inc	2,092	$339K	0.1%	$113.60	+45.4%	COM	718172109
COP	Conoco Phillips	3,560	$337K	0.1%	$51.42	+81.4%	COM	20825C104
NKE	Nike Inc Class B	4,822	$336K	0.1%	$75.42	-2.2%	COM	654106103
WFC	Wells Fargo & Company	3,906	$327K	0.1%	$41.81	+92.5%	COM	949746101
XLE	Sector Spdr Engy Select	3,619	$323K	0.1%	$73.61	—	ETF	81369Y506
JBND	J P Morgan Active Bond ETF	5,925	$321K	0.1%	$52.25	—	ETF	46654Q716
VRTX	Vertex Pharmaceuticals	816	$320K	0.1%	$249.40	+67.6%	COM	92532F100
ILDR	First Trust Innovation Leaders ETF	9,704	$314K	0.1%	$29.43	—	ETF	33740F565
VOE	Vanguard Mid Cap Value ETF	1,777	$310K	0.1%	$101.42	—	ETF	922908512
TEL	TE Connectivity Ltd	1,400	$307K	0.1%	$146.90	+36.2%	COM	G87052109
QQQ	PowerShares QQQ ETF	506	$304K	0.1%	$551.86	—	ETF	46090E103
MO	Altria Group Inc	4,278	$283K	0.1%	$45.53	+34.9%	COM	02209S103
CARR	Carrier Global Corp	4,680	$279K	0.1%	$43.10	+56.9%	COM	14448C104
VLO	Valero Energy Corp.	1,599	$272K	0.1%	$122.29	+20.9%	COM	91913Y100
CI	Cigna	917	$264K	0.1%	$223.07	+31.4%	COM	125523100
JEPI	JPMorgan Equity Premium Income ETF	4,611	$263K	0.1%	$57.10	—	ETF	46641Q332
DD	Du Pont E I De Nemours	3,367	$262K	0.1%	$26.72	+16.6%	COM	26614N102
ET	Energy Transfer Equity	15,250	$262K	0.1%	$18.11	—	COM	29273V100
IBDT	iShares iBonds Dec 2028 Corp Bond ETF	10,081	$257K	0.1%	$25.44	—	ETF	46435U515
JCI	Johnson Controls PLC	2,300	$253K	0.1%	$91.75	+16.5%	COM	G51502105
KMI	Kinder Morgan Inc	8,874	$251K	0.1%	$14.65	+84.1%	COM	49456B101
INTC	Intel Corp	7,483	$251K	0.1%	$48.05	-49.6%	COM	458140100
—	Unilever Plc Adr New	4,217	$250K	0.1%	$50.35	—	ADR	904767704
LMT	Lockheed Martin Corp	497	$248K	0.1%	$172.16	+160.3%	COM	539830109
SYY	Sysco Inc	2,895	$238K	0.1%	$50.42	+56.4%	COM	871829107
TFC	Truist Finl Corp	5,032	$230K	0.0%	$29.73	+49.1%	COM	89832Q109
XLRE	Real Estate Sector SPDR	5,456	$230K	0.0%	$40.38	—	ETF	81369Y860
IGM	iShares - Expanded Tech. Sector Index	1,800	$227K	0.0%	$112.34	—	ETF	464287549
SCHZ	Schwab US AGG Bnd ETF	9,637	$226K	0.0%	$42.03	—	ETF	808524839
PSX	Phillips 66	1,656	$225K	0.0%	$126.39	0.0%	COM	718546104
IBDX	iShares iBonds Dec 2032 Corp Bond ETF	8,464	$217K	0.0%	$25.62	—	ETF	46436E312
DUK	Duke Energy	1,744	$216K	0.0%	$115.43	+3.8%	COM	26441C204
BK	Bank of New York Mellon	1,959	$213K	0.0%	$101.35	0.0%	COM	064058100
COF	Capital One Financial	957	$203K	0.0%	$185.05	+17.7%	COM	14040H105
PPG	PPG Inds Inc	1,920	$202K	0.0%	$86.36	+27.4%	COM	693506107
TT	Trane Technologies PLC	475	$200K	0.0%	$392.99	+8.6%	COM	G8994E103