Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHX	Schwab Dow Jones US Large Cap ETF	1,538,425	$41.4M	8.6%	$28.67	—	ETF	808524201
VSLU	Applied Finance Valuation Lg Cap ETF	704,543	$31.18M	6.5%	$39.27	—	ETF	26923N405
SCHD	Schwab Dow Jones US Div Eq ETF	955,038	$26.2M	5.5%	$26.23	—	ETF	808524797
UITB	VictoryShares Core Intermediate Bond ETF	483,034	$22.87M	4.8%	$46.49	—	ETF	92647N527
GOOGL	Alphabet, Inc. Cl A	52,526	$16.44M	3.4%	$106.57	+168.0%	COM	02079K305
AAPL	Apple, Inc	58,309	$15.85M	3.3%	$110.64	+142.5%	COM	037833100
SGOL	ETFS Phys. Swiss Gold Shares	379,816	$15.6M	3.3%	$16.63	—	ETF	00326A104
MSFT	Microsoft Corp	26,658	$12.89M	2.7%	$47.94	+944.2%	COM	594918104
DFAE	Dimensional Emerg Core Equity Mkt ETF	378,225	$12.32M	2.6%	$24.32	—	ETF	25434V302
NVDA	Nvidia Corp	56,875	$10.61M	2.2%	$92.79	+100.6%	COM	67066G104
FPE	First Trust Preferred Sec & Inc ETF	449,530	$8.19M	1.7%	$17.12	—	ETF	33739E108
SCHF	Schwab FTSE Developed ex-US ETF	337,928	$8.124M	1.7%	$19.85	—	ETF	808524805
AVGO	Broadcom Limited	23,158	$8.015M	1.7%	$145.62	+145.2%	COM	11135F101
VOO	Vanguard S&P 500 ETF	12,561	$7.877M	1.6%	$333.81	—	ETF	922908363
GSIE	Goldman Sachs ActiveBeta Intl Eq ETF	176,632	$7.585M	1.6%	$33.68	—	ETF	381430107
SCHG	Schwab Dow Jones US Large Growth ETF	222,742	$7.266M	1.5%	$30.86	—	ETF	808524300
JHMM	J H Multifactor Mid Cap ETF	106,210	$6.955M	1.4%	$61.40	—	ETF	47804J206
AMZN	Amazon.com	29,378	$6.781M	1.4%	$134.64	+69.9%	COM	023135106
MUNI	PIMCO Intermediate Muni ETF	118,574	$6.214M	1.3%	$51.77	—	ETF	72201R866
JMUB	J.P. Morgan Municipal ETF	123,040	$6.214M	1.3%	$50.38	—	ETF	46641Q647
JPM	J P Morgan Chase & Co	19,280	$6.213M	1.3%	$90.20	+243.2%	COM	46625H100
DFAI	Dimensional International Core Equity Mkt ETF	124,601	$4.749M	1.0%	$30.70	—	ETF	25434V203
SCHV	Schwab Dow Jones US Large Value ETF	156,883	$4.645M	1.0%	$31.45	—	ETF	808524409
SCHM	Schwab Dow Jones US Mid-Cap ETF	153,029	$4.602M	1.0%	$33.27	—	ETF	808524508
JNJ	Johnson & Johnson	22,101	$4.574M	1.0%	$151.64	+29.9%	COM	478160104
VO	Vanguard Mid-Cap ETF	15,292	$4.438M	0.9%	$230.23	—	ETF	922908629
IJH	iShares S&P Midcap 400 Index ETF	65,604	$4.33M	0.9%	$75.95	—	ETF	464287507
IBDU	iShares iBonds Dec 2029 Corp Bond ETF	182,489	$4.271M	0.9%	$23.34	—	ETF	46436E205
GOOG	Alphabet, Inc. Cl C	13,374	$4.197M	0.9%	$106.94	+167.7%	COM	02079K107
GLD	SPDR Gold Shares	10,533	$4.174M	0.9%	$143.76	—	ETF	78463V107
RTX	RTX Corp.	20,830	$3.82M	0.8%	$87.27	+98.6%	COM	75513E101
PWR	Quanta Services Inc	9,022	$3.808M	0.8%	$126.12	+248.3%	COM	74762E102
VEU	Vanguard FTSE All-World ex-USA ETF	50,133	$3.688M	0.8%	$57.95	—	ETF	922042775
SCHA	Schwab Dow Jones US Sm-Cap ETF	127,552	$3.633M	0.8%	$37.13	—	ETF	808524607
BRK/B	Berkshire Hathaway B	6,831	$3.434M	0.7%	$180.63	+175.4%	COM	084670702
META	Meta Platforms Cl A	5,023	$3.316M	0.7%	$308.39	+116.4%	COM	30303M102
SPY	SPDR S&P 500 ETF	4,569	$3.116M	0.6%	$320.09	—	ETF	78462F103
MRK	Merck & Co Inc	29,420	$3.097M	0.6%	$67.62	+37.9%	COM	58933Y105
BAC	Bank Of America	55,064	$3.029M	0.6%	$26.32	+100.1%	COM	060505104
VTEB	Vanguard Tax-Exempt Bond ETF	57,906	$2.912M	0.6%	$49.97	—	ETF	922907746
IJR	iShares S&P Smallcap 600 Index ETF	23,109	$2.777M	0.6%	$86.51	—	ETF	464287804
NOBL	Proshares S&P 500 Div Aristocrats	26,230	$2.73M	0.6%	$76.55	—	ETF	74348A467
IBM	International Business Machines	9,100	$2.696M	0.6%	$110.02	+171.6%	COM	459200101
LOW	Lowes Companies	10,905	$2.63M	0.5%	$66.05	+263.1%	COM	548661107
PANW	Palo Alto Networks Inc	13,955	$2.571M	0.5%	$129.67	+55.6%	COM	697435105
AMGN	Amgen Inc	7,823	$2.561M	0.5%	$123.45	+155.9%	COM	031162100
PG	Procter & Gamble Inc	17,519	$2.511M	0.5%	$60.25	+144.2%	COM	742718109
CSCO	Cisco Systems	32,349	$2.492M	0.5%	$23.33	+216.3%	COM	17275R102
CVX	ChevronTexaco Corp	15,737	$2.398M	0.5%	$89.76	+68.7%	COM	166764100
LHX	L3Harris Technologies Inc	7,631	$2.24M	0.5%	$181.01	+59.3%	COM	502431109
PEP	Pepsico	14,821	$2.127M	0.4%	$66.04	+120.9%	COM	713448108
XOM	Exxon-Mobil	15,922	$1.916M	0.4%	$85.90	+34.4%	COM	30231G102
SDY	SPDR S&P Dividend ETF	13,681	$1.904M	0.4%	$74.09	—	ETF	78464A763
UNP	Union Pacific Corp	7,958	$1.841M	0.4%	$71.27	+219.0%	COM	907818108
SCHB	Schwab Dow Jones US Broad Mkt ETF	70,069	$1.838M	0.4%	$28.83	—	ETF	808524102
V	Visa, Inc.	4,930	$1.729M	0.4%	$103.20	+229.8%	COM	92826C839
MA	Mastercard Inc	2,873	$1.64M	0.3%	$225.10	+148.3%	COM	57636Q104
ADP	Automatic Data Processing	5,795	$1.491M	0.3%	$84.07	+215.0%	COM	053015103
NEE	NextEra Energy Inc.	18,447	$1.481M	0.3%	$64.45	+28.0%	COM	65339F101
HD	Home Depot	4,275	$1.471M	0.3%	$215.85	+68.9%	COM	437076102
KLAC	KLA Tencor Corp	1,208	$1.468M	0.3%	$398.77	+193.9%	COM	482480100
JHSC	JH/DFA Small Cap Multifactor ETF	34,866	$1.464M	0.3%	$39.05	—	ETF	47804J842
XLK	SPDR Technology Select Sector	10,118	$1.457M	0.3%	$112.88	—	ETF	81369Y803
MCD	McDonalds Corp	4,752	$1.452M	0.3%	$84.09	+262.8%	COM	580135101
EMR	Emerson Electric	10,755	$1.427M	0.3%	$49.30	+168.5%	COM	291011104
VBR	Vanguard Small-Cap Value ETF	6,612	$1.4M	0.3%	$150.46	—	ETF	922908611
TMO	Thermo Fisher Scientific	2,397	$1.389M	0.3%	$163.22	+246.3%	COM	883556102
ORCL	Oracle Systems	6,728	$1.311M	0.3%	$61.13	+289.4%	COM	68389X105
MDT	Medtronic plc	13,201	$1.268M	0.3%	$86.50	+12.3%	COM	G5960L103
QCOM	Qualcomm Corp	7,408	$1.267M	0.3%	$128.35	+33.1%	COM	747525103
AMAT	Applied Materials	4,873	$1.252M	0.3%	$82.06	+191.9%	COM	038222105
GE	General Electric	4,000	$1.232M	0.3%	$168.57	+78.4%	COM	369604301
IBMO	iShares iBonds Dec 2026 Muni Bond ETF	45,639	$1.17M	0.2%	$25.62	—	ETF	46435U259
VZ	Verizon Communications	27,976	$1.139M	0.2%	$40.74	-0.6%	COM	92343V104
CWI	SPDR MSCI Acwi Ex-US	31,358	$1.126M	0.2%	$29.42	—	ETF	78463X848
CFG	Citizens Financial Group	19,015	$1.111M	0.2%	$28.31	+89.3%	COM	174610105
CRM	Salesforce Com	4,181	$1.108M	0.2%	$181.30	+36.9%	COM	79466L302
LLY	Lilly Eli & Co	1,016	$1.092M	0.2%	$186.64	+412.0%	COM	532457108
XBI	SPDR S&P Biotech ETF	8,632	$1.053M	0.2%	$95.62	—	ETF	78464A870
IBDW	iShares iBonds Dec 2031 Corp Bond ETF	47,908	$1.013M	0.2%	$20.88	—	ETF	46436E486
GS	Goldman Sachs Group	1,149	$1.01M	0.2%	$317.88	+155.9%	COM	38141G104
TJX	TJX Cos Inc	6,519	$1.001M	0.2%	$58.41	+152.9%	COM	872540109
DIS	Disney Walt Co	8,779	$999K	0.2%	$103.47	+5.9%	COM	254687106
VUG	Vanguard Growth ETF	2,038	$994K	0.2%	$80.76	—	ETF	922908736
VIG	Vanguard Div Appreciation ETF	4,520	$993K	0.2%	$195.84	—	ETF	921908844
IEMG	iShare Core MSCI Emerging Markets	14,695	$988K	0.2%	$46.87	—	ETF	46434G103
KO	Coca Cola	14,105	$986K	0.2%	$34.76	+99.6%	COM	191216100
ABBV	AbbVie Inc	4,280	$978K	0.2%	$141.68	+60.6%	COM	00287Y109
WMT	Wal-Mart Stores	8,764	$976K	0.2%	$50.47	+112.4%	COM	931142103
BMY	Bristol Myers Squibb	17,804	$960K	0.2%	$41.83	+13.6%	COM	110122108
IVV	iShares Core S&P 500 ETF	1,383	$947K	0.2%	$620.90	—	ETF	464287200
BX	Blackstone Group Lp	6,125	$944K	0.2%	$54.62	+177.3%	COM	09260D107
ROP	Roper Technologies, Inc	2,120	$943K	0.2%	$325.54	+42.0%	COM	776696106
IBMS	iShares iBonds Dec 2030 Muni Bond ETF	35,838	$934K	0.2%	$25.71	—	ETF	46438G687
IBMP	iShares iBonds Dec 2027 Muni Bond ETF	36,265	$921K	0.2%	$25.22	—	ETF	46435U283
CMC	Commercial Metals Co	13,262	$918K	0.2%	$23.09	+170.2%	COM	201723103
CVS	CVS Health Corporation	11,130	$883K	0.2%	$54.96	+43.1%	COM	126650100
DHR	Danaher Corp	3,766	$862K	0.2%	$51.68	+324.9%	COM	235851102
PBE	Invesco Biotech & Genomics ETF	10,070	$827K	0.2%	$59.53	—	ETF	46137V787
VNQ	Vanguard REIT	9,239	$818K	0.2%	$81.09	—	ETF	922908553
STT	State Street Boston Corp	6,011	$775K	0.2%	$44.55	+167.0%	COM	857477103
ITW	Illinois Tool Works	3,118	$768K	0.2%	$118.45	+109.0%	COM	452308109
BRK/A	Berkshire Hathaway Inc A	1	$755K	0.2%	$746423.56	0.0%	COM	084670108
PLTR	Palantir Technologies Inc.	4,022	$715K	0.1%	$39.80	+354.8%	COM	69608A108
IBDV	iShares iBonds Dec 2030 Corp Bond ETF	31,983	$706K	0.1%	$21.66	—	ETF	46436E726
GEV	Ge Vernova Llc Com	1,043	$682K	0.1%	$327.55	+85.9%	COM	36828A101
MDLZ	Mondelez Intl Inc Cl A	11,843	$638K	0.1%	$46.84	+21.8%	COM	609207105
ABT	Abbott Labs	5,087	$637K	0.1%	$39.41	+223.0%	COM	002824100
MS	Morgan Stanley Group	3,328	$591K	0.1%	$102.35	+62.6%	COM	617446448
PYLD	PIMCO Multisector Bond Active ETF	22,046	$588K	0.1%	$26.68	—	ETF	72201R585
IBMQ	iShares iBonds Dec 2028 Muni Bond ETF	22,563	$577K	0.1%	$25.44	—	ETF	46435U325
IBMR	iShares iBonds Dec 2029 Muni Bond ETF	22,342	$568K	0.1%	$25.31	—	ETF	46436E163
TDVG	T. Rowe Price Dividend Growth ETF	12,264	$552K	0.1%	$44.97	—	ETF	87283Q404
COST	Costco Whsl Corp	637	$550K	0.1%	$490.81	+84.5%	COM	22160K105
HPQ	Hewlett Packard	24,616	$548K	0.1%	$23.32	+8.3%	COM	40434L105
TSLA	Tesla Motors Inc	1,209	$544K	0.1%	$223.00	+98.8%	COM	88160R101
PEG	Public Svc Enterprise	6,279	$504K	0.1%	$51.00	+59.0%	COM	744573106
FISV	Fiserv Inc	7,392	$497K	0.1%	$79.60	+5.4%	COM	337738108
IVW	iShares S&P 500 Barra Gr. Fd.	3,972	$490K	0.1%	$69.93	—	ETF	464287309
TSN	Tyson Foods Inc	8,337	$489K	0.1%	$52.79	+3.5%	COM	902494103
VTV	Vanguard Value ETF	2,528	$483K	0.1%	$84.95	—	ETF	922908744
NVS	Novartis ADR	3,499	$482K	0.1%	$71.89	—	ADR	66987V109
VXUS	Vanguard Total International Stock	6,375	$481K	0.1%	$59.35	—	ETF	921909768
HACK	HACK- Cyber Security ETF	5,779	$464K	0.1%	$64.29	—	ETF	032108664
VTI	Vanguard Total Stock Mkt ETF	1,353	$454K	0.1%	$303.97	—	ETF	922908769
CIBR	First Trust NASDAQ Cybersecurity ETF	6,294	$450K	0.1%	$74.87	—	ETF	33734X846
PFE	Pfizer Inc	17,498	$436K	0.1%	$21.32	+17.4%	COM	717081103
INCY	Incyte Genomics Inc	4,401	$435K	0.1%	$60.78	+59.2%	COM	45337C102
MPLX	MPLX LP	8,100	$432K	0.1%	$29.74	—	COM	55336V100
INTU	Intuit Inc.	650	$431K	0.1%	$361.27	+82.9%	COM	461202103
ADBE	Adobe Systems	1,185	$415K	0.1%	$513.71	-33.8%	COM	00724F101
VEA	Vanguard FTSE Dev Mkt ETF	6,617	$413K	0.1%	$48.31	—	ETF	921943858
MDY	S&P 400 Mid-Cap SPDR ETF	681	$411K	0.1%	$126884.75	—	ETF	78467Y107
MTUM	iShares MSCI USA Momentum	1,591	$398K	0.1%	$146.85	—	ETF	46432F396
IBDS	iShares iBonds Dec 2027 Corp Bond ETF	16,304	$396K	0.1%	$23.98	—	ETF	46435UAA9
IBMT	iShares iBonds Dec 2031 Term Muni Bd ETF	15,148	$393K	0.1%	$25.95	—	ETF	46438G356
FNDX	Sch Fundamental US Large Co ETF	14,116	$384K	0.1%	$24.54	—	ETF	808524771
CRWD	Crowdstrike Hldgs Inc	815	$382K	0.1%	$458.44	+11.1%	COM	22788C105
MMM	3M Company	2,298	$368K	0.1%	$75.54	+116.0%	COM	88579Y101
AON	AON Corp	1,040	$367K	0.1%	$191.78	+82.1%	COM	G0403H108
AMT	American Tower Corp	2,077	$365K	0.1%	$213.57	-15.6%	COM	03027X100
WFC	Wells Fargo & Company	3,906	$364K	0.1%	$41.81	+107.2%	COM	949746101
—	Wells Fargo & Co 7.50pcnt Pfd	294	$357K	0.1%	$1214.64	—	PFD	949746804
BN	Brookfield Corp.	7,697	$353K	0.1%	$40.37	+12.8%	COM	11271J107
VRTX	Vertex Pharmaceuticals	779	$353K	0.1%	$249.40	+72.8%	COM	92532F100
IWM	iShares Russell 2000 Index Fund ETF	1,391	$342K	0.1%	$196.77	—	ETF	464287655
PM	Philip Morris Intl Inc	2,092	$336K	0.1%	$113.60	+35.2%	COM	718172109
PYPL	Paypal Holdings, Inc.	5,706	$333K	0.1%	$65.17	-0.5%	COM	70450Y103
ILDR	First Trust Innovation Leaders ETF	10,003	$330K	0.1%	$29.54	—	ETF	33740F565
COF	Capital One Financial	1,327	$322K	0.1%	$195.40	+13.7%	COM	14040H105
AVUV	Avantis US Small Cap Value ETF	3,150	$321K	0.1%	$101.98	—	ETF	025072877
NOC	Northrop Grumman Corp	563	$321K	0.1%	$478.14	+21.1%	COM	666807102
JBND	J P Morgan Active Bond ETF	5,925	$320K	0.1%	$52.25	—	ETF	46654Q716
TEL	TE Connectivity Ltd	1,400	$319K	0.1%	$146.90	+57.4%	COM	G87052109
XLE	Sector Spdr Engy Select	7,038	$315K	0.1%	$59.57	—	ETF	81369Y506
IBDR	iShares iBonds Dec 2026 Corp Bond ETF	12,987	$315K	0.1%	$23.51	—	ETF	46435GAA0
A	Agilent Technologies	2,287	$311K	0.1%	$143.72	0.0%	COM	00846U101
PSX	Phillips 66	2,409	$311K	0.1%	$128.77	+4.1%	COM	718546104
NKE	Nike Inc Class B	4,822	$307K	0.1%	$75.42	-13.9%	COM	654106103
VLO	Valero Energy Corp.	1,882	$306K	0.1%	$129.29	+30.6%	COM	91913Y100
QQQ	PowerShares QQQ ETF	497	$305K	0.1%	$551.86	—	ETF	46090E103
CTVA	Corteva Inc	4,374	$293K	0.1%	$64.54	0.0%	COM	22052L104
JEPI	JPMorgan Equity Premium Income ETF	5,067	$290K	0.1%	$57.11	—	ETF	46641Q332
ET	Energy Transfer Equity	17,050	$281K	0.1%	$17.94	—	COM	29273V100
IBDT	iShares iBonds Dec 2028 Corp Bond ETF	10,930	$278K	0.1%	$25.44	—	ETF	46435U515
JCI	Johnson Controls PLC	2,300	$275K	0.1%	$91.75	+25.1%	COM	G51502105
MO	Altria Group Inc	4,578	$264K	0.1%	$46.43	+27.8%	COM	02209S103
TFC	Truist Finl Corp	5,361	$264K	0.1%	$30.72	+49.1%	COM	89832Q109
JMST	JPMorgan Ultra-Short Municipal Inc ETF	5,036	$257K	0.1%	$50.94	—	ETF	46641Q654
KMI	Kinder Morgan Inc	9,198	$253K	0.1%	$15.08	+78.4%	COM	49456B101
VDC	Vanguard Consumer Staples ETF	1,182	$250K	0.1%	$125.71	—	ETF	92204A207
UL	Unilever Plc Adr New	3,745	$245K	0.1%	$65.40	—	ADR	904767803
IBDX	iShares iBonds Dec 2032 Corp Bond ETF	9,449	$241K	0.1%	$25.61	—	ETF	46436E312
LMT	Lockheed Martin Corp	497	$241K	0.1%	$172.16	+176.6%	COM	539830109
COP	Conoco Phillips	2,563	$240K	0.0%	$51.42	+75.1%	COM	20825C104
INTC	Intel Corp	6,497	$240K	0.0%	$48.05	-21.4%	COM	458140100
VWO	Vanguard Emerging Mkt Fd ETF	4,423	$238K	0.0%	$53.76	—	ETF	922042858
IGM	iShares - Expanded Tech. Sector Index	1,800	$232K	0.0%	$112.34	—	ETF	464287549
BK	Bank of New York Mellon	1,959	$227K	0.0%	$101.35	+9.0%	COM	064058100
SCHZ	Schwab US AGG Bnd ETF	9,725	$227K	0.0%	$42.03	—	ETF	808524839
VT	Vanguard Total World ETF	1,604	$226K	0.0%	$141.03	—	ETF	922042742
ALL	Allstate Corp	1,080	$225K	0.0%	$204.09	0.0%	COM	020002101
XLRE	Real Estate Sector SPDR	5,515	$223K	0.0%	$40.38	—	ETF	81369Y860
TGT	Target Corp	2,204	$215K	0.0%	$91.63	0.0%	COM	87612E106
SYY	Sysco Inc	2,875	$212K	0.0%	$50.42	+49.7%	COM	871829107
VOE	Vanguard Mid Cap Value ETF	1,139	$202K	0.0%	$101.42	—	ETF	922908512
DD	Du Pont E I De Nemours	5,015	$202K	0.0%	$30.23	+23.7%	ADR	26614N102
DUK	Duke Energy	1,719	$201K	0.0%	$115.43	+5.3%	COM	26441C204