Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHX	Schwab Dow Jones US Large Cap ETF	1,559,842	$39.99M	8.4%	$28.63	—	ETF	808524201
VSLU	Applied Finance Valuation Lg Cap ETF	705,983	$29.52M	6.2%	$39.27	—	ETF	26923N405
SCHD	Schwab Dow Jones US Div Eq ETF	939,516	$28.82M	6.1%	$26.23	—	ETF	808524797
UITB	VictoryShares Core Intermediate Bond ETF	473,674	$22.27M	4.7%	$46.49	—	ETF	92647N527
SGOL	abrdn Physical Gold Shares ETF	330,772	$14.76M	3.1%	$16.63	—	ETF	00326A104
AAPL	Apple, Inc	57,343	$14.55M	3.1%	$110.64	+137.5%	COM	037833100
GOOGL	Alphabet, Inc. Cl A	49,814	$14.32M	3.0%	$106.57	+203.3%	COM	02079K305
DFAE	Dimensional Emerg Core Equity Mkt ETF	409,567	$13.87M	2.9%	$25.05	—	ETF	25434V302
MSFT	Microsoft Corp	27,015	$10M	2.1%	$53.05	+719.2%	COM	594918104
NVDA	Nvidia Corp	56,958	$9.934M	2.1%	$92.79	+101.1%	COM	67066G104
SCHF	Schwab FTSE Developed ex-US ETF	343,470	$8.501M	1.8%	$19.93	—	ETF	808524805
FPE	First Trust Preferred Sec & Inc ETF	459,787	$8.161M	1.7%	$17.13	—	ETF	33739E108
JHMM	J H Multifactor Mid Cap ETF	116,560	$7.823M	1.6%	$61.91	—	ETF	47804J206
GSIE	Goldman Sachs ActiveBeta Intl Eq ETF	176,532	$7.614M	1.6%	$33.68	—	ETF	381430107
VOO	Vanguard S&P 500 ETF	12,296	$7.347M	1.5%	$333.81	—	ETF	922908363
AVGO	Broadcom Limited	22,957	$7.105M	1.5%	$145.62	+129.5%	COM	11135F101
MUNI	PIMCO Intermediate Muni ETF	126,856	$6.621M	1.4%	$51.80	—	ETF	72201R866
JMUB	J.P. Morgan Municipal ETF	130,834	$6.54M	1.4%	$50.36	—	ETF	46641Q647
SCHG	Schwab Dow Jones US Large Growth ETF	216,035	$6.293M	1.3%	$30.86	—	ETF	808524300
AMZN	Amazon.com	29,848	$6.216M	1.3%	$136.09	+66.7%	COM	023135106
DFAI	Dimensional International Core Equity Mkt ETF	139,255	$5.425M	1.1%	$31.57	—	ETF	25434V203
JPM	J P Morgan Chase & Co	18,269	$5.374M	1.1%	$90.20	+245.3%	COM	46625H100
IJH	iShares S&P Midcap 400 Index ETF	78,022	$5.269M	1.1%	$74.61	—	ETF	464287507
JNJ	Johnson & Johnson	21,364	$5.222M	1.1%	$151.64	+50.3%	COM	478160104
SCHM	Schwab Dow Jones US Mid-Cap ETF	149,963	$4.643M	1.0%	$33.27	—	ETF	808524508
PWR	Quanta Services Inc	8,288	$4.55M	1.0%	$126.12	+285.5%	COM	74762E102
SCHV	Schwab Dow Jones US Large Value ETF	146,002	$4.453M	0.9%	$31.45	—	ETF	808524409
IBDU	iShares iBonds Dec 2029 Corp Bond ETF	182,557	$4.246M	0.9%	$23.34	—	ETF	46436E205
VO	Vanguard Mid-Cap ETF	14,603	$4.194M	0.9%	$230.23	—	ETF	922908629
GLD	SPDR Gold Shares	9,381	$4.037M	0.8%	$143.76	—	ETF	78463V107
VEU	Vanguard FTSE All-World ex-USA ETF	52,878	$3.971M	0.8%	$58.84	—	ETF	922042775
RTX	RTX Corp.	20,497	$3.954M	0.8%	$87.27	+125.3%	COM	75513E101
SCHA	Schwab Dow Jones US Sm-Cap ETF	126,589	$3.681M	0.8%	$37.13	—	ETF	808524607
GOOG	Alphabet, Inc. Cl C	12,828	$3.68M	0.8%	$106.94	+202.7%	COM	02079K107
MRK	Merck & Co Inc	28,802	$3.465M	0.7%	$67.62	+69.0%	COM	58933Y105
BRK/B	Berkshire Hathaway B	6,918	$3.315M	0.7%	$184.57	+167.4%	COM	084670702
CVX	ChevronTexaco Corp	15,556	$3.218M	0.7%	$89.76	+91.5%	COM	166764100
IJR	iShares S&P Smallcap 600 Index ETF	25,869	$3.216M	0.7%	$90.54	—	ETF	464287804
SPY	SPDR S&P 500 ETF	4,550	$2.959M	0.6%	$320.09	—	ETF	78462F103
META	Meta Platforms Cl A	5,114	$2.926M	0.6%	$314.56	+108.4%	COM	30303M102
VTEB	Vanguard Tax-Exempt Bond ETF	58,444	$2.916M	0.6%	$49.97	—	ETF	922907746
NOBL	Proshares S&P 500 Div Aristocrats	26,028	$2.759M	0.6%	$76.55	—	ETF	74348A467
AMGN	Amgen Inc	7,625	$2.683M	0.6%	$123.45	+183.2%	COM	031162100
BAC	Bank Of America	54,659	$2.665M	0.6%	$26.32	+103.9%	COM	060505104
LHX	L3Harris Technologies Inc	7,307	$2.522M	0.5%	$181.01	+89.6%	COM	502431109
PG	Procter & Gamble Inc	17,443	$2.519M	0.5%	$60.25	+151.9%	COM	742718109
LOW	Lowes Companies	10,619	$2.509M	0.5%	$66.05	+311.1%	COM	548661107
CSCO	Cisco Systems	31,196	$2.421M	0.5%	$23.33	+234.0%	COM	17275R102
PYLD	PIMCO Multisector Bond Active ETF	90,430	$2.369M	0.5%	$26.32	—	ETF	72201R585
PEP	Pepsico	14,552	$2.26M	0.5%	$66.04	+134.3%	COM	713448108
PANW	Palo Alto Networks Inc	13,841	$2.219M	0.5%	$129.67	+32.8%	COM	697435105
IBM	International Business Machines	8,772	$2.126M	0.4%	$110.02	+158.1%	COM	459200101
XOM	Exxon-Mobil	12,359	$2.097M	0.4%	$85.90	+61.5%	COM	30231G102
SDY	SPDR S&P Dividend ETF	13,572	$1.981M	0.4%	$74.09	—	ETF	78464A763
UNP	Union Pacific Corp	8,013	$1.944M	0.4%	$71.27	+241.4%	COM	907818108
SCHB	Schwab Dow Jones US Broad Mkt ETF	69,974	$1.756M	0.4%	$28.83	—	ETF	808524102
NEE	NextEra Energy Inc.	18,633	$1.731M	0.4%	$64.68	+34.8%	COM	65339F101
AMAT	Applied Materials	4,960	$1.695M	0.4%	$86.35	+278.2%	COM	038222105
KLAC	KLA Tencor Corp	1,087	$1.601M	0.3%	$398.77	+266.6%	COM	482480100
MCD	McDonalds Corp	4,788	$1.488M	0.3%	$84.09	+277.3%	COM	580135101
JHSC	JH/DFA Small Cap Multifactor ETF	34,361	$1.474M	0.3%	$39.05	—	ETF	47804J842
MA	Mastercard Inc	2,920	$1.459M	0.3%	$230.15	+134.2%	COM	57636Q104
V	Visa, Inc.	4,818	$1.456M	0.3%	$103.20	+219.0%	COM	92826C839
EMR	Emerson Electric	10,771	$1.411M	0.3%	$49.30	+201.2%	COM	291011104
HD	Home Depot	4,244	$1.396M	0.3%	$215.85	+74.6%	COM	437076102
VZ	Verizon Communications	27,400	$1.375M	0.3%	$40.74	+7.6%	COM	92343V104
XLK	SPDR Technology Select Sector	10,120	$1.345M	0.3%	$112.88	—	ETF	81369Y803
JCPB	JPMorgan Core Plus Bond ETF	28,060	$1.321M	0.3%	$47.08	—	ETF	46641Q670
TDVG	T. Rowe Price Dividend Growth ETF	28,188	$1.258M	0.3%	$44.78	—	ETF	87283Q404
TMO	Thermo Fisher Scientific	2,425	$1.192M	0.3%	$167.97	+242.1%	COM	883556102
IVV	iShares Core S&P 500 ETF	1,783	$1.165M	0.2%	$628.15	—	ETF	464287200
ADP	Automatic Data Processing	5,718	$1.162M	0.2%	$84.07	+186.4%	COM	053015103
CWI	SPDR MSCI Acwi Ex-US	31,212	$1.142M	0.2%	$29.42	—	ETF	78463X848
IEFA	iShare Core MSCI EAFE	12,299	$1.113M	0.2%	$90.53	—	ETF	46432F842
CFG	Citizens Financial Group	18,425	$1.105M	0.2%	$28.31	+123.0%	COM	174610105
XBI	SPDR S&P Biotech ETF	8,537	$1.09M	0.2%	$95.62	—	ETF	78464A870
WMT	Wal-Mart Stores	8,715	$1.083M	0.2%	$50.47	+141.8%	COM	931142103
KO	Coca Cola	14,079	$1.071M	0.2%	$34.76	+115.1%	COM	191216100
BMY	Bristol Myers Squibb	17,477	$1.06M	0.2%	$41.83	+37.3%	COM	110122108
MDT	Medtronic plc	12,048	$1.044M	0.2%	$86.50	+15.0%	COM	G5960L103
IBDW	iShares iBonds Dec 2031 Corp Bond ETF	49,298	$1.032M	0.2%	$20.88	—	ETF	46436E486
ORCL	Oracle Systems	6,791	$999K	0.2%	$61.13	+177.5%	COM	68389X105
TJX	TJX Cos Inc	6,000	$958K	0.2%	$58.41	+164.0%	COM	872540109
VIG	Vanguard Div Appreciation ETF	4,443	$956K	0.2%	$195.84	—	ETF	921908844
LLY	Lilly Eli & Co	1,035	$952K	0.2%	$202.43	+417.3%	COM	532457108
GS	Goldman Sachs Group	1,122	$950K	0.2%	$317.88	+193.4%	COM	38141G104
QCOM	Qualcomm Corp	7,193	$926K	0.2%	$128.35	+19.9%	COM	747525103
IBMS	iShares iBonds Dec 2030 Muni Bond ETF	35,854	$926K	0.2%	$25.71	—	ETF	46438G687
ABBV	AbbVie Inc	4,257	$926K	0.2%	$141.68	+57.1%	COM	00287Y109
IBMP	iShares iBonds Dec 2027 Muni Bond ETF	36,265	$923K	0.2%	$25.22	—	ETF	46435U283
VNQ	Vanguard REIT	10,300	$914K	0.2%	$81.88	—	ETF	922908553
GE	General Electric	3,142	$892K	0.2%	$168.57	+88.8%	COM	369604301
VUG	Vanguard Growth ETF	1,983	$866K	0.2%	$80.76	—	ETF	922908736
DIS	Disney Walt Co	8,450	$814K	0.2%	$103.47	+5.8%	COM	254687106
CMC	Commercial Metals Co	12,990	$798K	0.2%	$23.09	+233.3%	COM	201723103
VBR	Vanguard Small-Cap Value ETF	3,581	$778K	0.2%	$150.46	—	ETF	922908611
ITW	Illinois Tool Works	2,948	$767K	0.2%	$118.45	+130.7%	COM	452308109
PBE	Invesco Biotech & Genomics ETF	9,570	$758K	0.2%	$59.53	—	ETF	46137V787
CVS	CVS Health Corporation	10,449	$750K	0.2%	$54.96	+41.8%	COM	126650100
STT	State Street Boston Corp	5,928	$750K	0.2%	$44.55	+192.4%	COM	857477103
CIBR	First Trust NASDAQ Cybersecurity ETF	11,932	$748K	0.2%	$69.11	—	ETF	33734X846
ROP	Roper Technologies, Inc	2,050	$726K	0.2%	$325.54	+16.1%	COM	776696106
IVSS	Applied Finance IVS US SMID ETF	27,722	$719K	0.2%	$25.95	—	ETF	26923W108
BRK/A	Berkshire Hathaway Inc A	1	$718K	0.2%	$746423.56	-0.8%	COM	084670108
GEV	Ge Vernova Llc Com	814	$711K	0.1%	$327.55	+125.0%	COM	36828A101
MDLZ	Mondelez Intl Inc Cl A	11,781	$679K	0.1%	$46.84	+24.2%	COM	609207105
IBDV	iShares iBonds Dec 2030 Corp Bond ETF	30,848	$675K	0.1%	$21.66	—	ETF	46436E726
ILDR	First Trust Innovation Leaders ETF	22,500	$670K	0.1%	$29.67	—	ETF	33740F565
DHR	Danaher Corp	3,464	$657K	0.1%	$51.68	+334.8%	COM	235851102
COST	Costco Whsl Corp	648	$646K	0.1%	$498.84	+93.2%	COM	22160K105
BX	Blackstone Group Lp	5,614	$646K	0.1%	$54.62	+157.9%	COM	09260D107
PLTR	Palantir Technologies Inc.	4,246	$621K	0.1%	$45.84	+236.3%	COM	69608A108
CRM	Salesforce Com	3,239	$605K	0.1%	$181.30	+19.0%	COM	79466L302
IBMO	iShares iBonds Dec 2026 Muni Bond ETF	23,511	$603K	0.1%	$25.62	—	ETF	46435U259
IBMQ	iShares iBonds Dec 2028 Muni Bond ETF	22,563	$576K	0.1%	$25.44	—	ETF	46435U325
MS	Morgan Stanley Group	3,418	$563K	0.1%	$104.39	+72.1%	COM	617446448
NVS	Novartis ADR	3,499	$534K	0.1%	$71.89	—	ADR	66987V109
TSLA	Tesla Motors Inc	1,388	$516K	0.1%	$249.17	+71.0%	COM	88160R101
IBMR	iShares iBonds Dec 2029 Muni Bond ETF	20,342	$516K	0.1%	$25.31	—	ETF	46436E163
ABT	Abbott Labs	4,969	$510K	0.1%	$39.41	+192.8%	COM	002824100
VXUS	Vanguard Total International Stock	6,470	$499K	0.1%	$59.61	—	ETF	921909768
EMXC	iShares MSCI Emerging Mkts ex China ETF	6,332	$498K	0.1%	$78.66	—	ETF	46434G764
VTV	Vanguard Value ETF	2,535	$497K	0.1%	$84.95	—	ETF	922908744
TSN	Tyson Foods Inc	7,685	$492K	0.1%	$52.79	+18.0%	COM	902494103
IBMT	iShares iBonds Dec 2031 Term Muni Bd ETF	18,982	$487K	0.1%	$25.89	—	ETF	46438G356
PFE	Pfizer Inc	16,929	$475K	0.1%	$21.32	+22.8%	COM	717081103
HPQ	Hewlett Packard	24,741	$475K	0.1%	$23.32	-15.2%	COM	40434L105
MPLX	MPLX LP	8,100	$462K	0.1%	$29.74	—	COM	55336V100
PEG	Public Svc Enterprise	5,613	$454K	0.1%	$51.00	+59.9%	COM	744573106
HACK	HACK- Cyber Security ETF	5,779	$434K	0.1%	$64.29	—	ETF	032108664
IEMG	iShare Core MSCI Emerging Markets	6,193	$432K	0.1%	$46.87	—	ETF	46434G103
IVW	iShares S&P 500 Barra Gr. Fd.	3,762	$426K	0.1%	$69.93	—	ETF	464287309
MUB	iShares S & P Nat'l AMT-Free Muni Bd	4,008	$425K	0.1%	$106.14	—	ETF	464288414
VEA	Vanguard FTSE Dev Mkt ETF	6,617	$424K	0.1%	$48.31	—	ETF	921943858
MDY	S&P 400 Mid-Cap SPDR ETF	681	$420K	0.1%	$126884.75	—	ETF	78467Y107
XLE	Sector Spdr Engy Select	6,798	$416K	0.1%	$59.57	—	ETF	81369Y506
INCY	Incyte Genomics Inc	4,401	$414K	0.1%	$60.78	+69.7%	COM	45337C102
VTI	Vanguard Total Stock Mkt ETF	1,290	$414K	0.1%	$303.97	—	ETF	922908769
IBDS	iShares iBonds Dec 2027 Corp Bond ETF	16,306	$395K	0.1%	$23.98	—	ETF	46435UAA9
FNDX	Sch Fundamental US Large Co ETF	14,161	$394K	0.1%	$24.54	—	ETF	808524771
PSX	Phillips 66	2,146	$391K	0.1%	$128.77	+14.2%	COM	718546104
NOC	Northrop Grumman Corp	571	$390K	0.1%	$480.88	+40.1%	COM	666807102
MTUM	iShares MSCI USA Momentum	1,591	$382K	0.1%	$146.85	—	ETF	46432F396
VLO	Valero Energy Corp.	1,478	$365K	0.1%	$129.29	+47.0%	COM	91913Y100
PM	Philip Morris Intl Inc	2,174	$359K	0.1%	$115.95	+51.7%	COM	718172109
COP	Conoco Phillips	2,693	$355K	0.1%	$53.90	+90.5%	COM	20825C104
VRTX	Vertex Pharmaceuticals	792	$354K	0.1%	$252.98	+84.8%	COM	92532F100
AVUV	Avantis US Small Cap Value ETF	3,150	$348K	0.1%	$101.98	—	ETF	025072877
—	Wells Fargo & Co 7.50pcnt Pfd	297	$343K	0.1%	$1214.04	—	PFD	949746804
AON	AON Corp	1,057	$341K	0.1%	$194.10	+73.1%	COM	G0403H108
MMM	3M Company	2,335	$339K	0.1%	$76.94	+113.1%	COM	88579Y101
IWM	iShares Russell 2000 Index Fund ETF	1,351	$335K	0.1%	$196.77	—	ETF	464287655
CRWD	Crowdstrike Hldgs Inc	858	$335K	0.1%	$457.07	-5.7%	COM	22788C105
ET	Energy Transfer Equity	17,321	$334K	0.1%	$17.96	—	COM	29273V100
WFC	Wells Fargo & Company	4,162	$331K	0.1%	$44.78	+101.1%	COM	949746101
AMT	American Tower Corp	1,915	$330K	0.1%	$213.57	-18.2%	COM	03027X100
JBND	J P Morgan Active Bond ETF	5,925	$319K	0.1%	$52.25	—	ETF	46654Q716
MO	Altria Group Inc	4,750	$313K	0.1%	$47.03	+34.0%	COM	02209S103
BN	Brookfield Corp.	7,697	$311K	0.1%	$40.37	+15.6%	COM	11271J107
KMI	Kinder Morgan Inc	9,256	$310K	0.1%	$15.08	+97.3%	COM	49456B101
IBDR	iShares iBonds Dec 2026 Corp Bond ETF	12,769	$310K	0.1%	$23.51	—	ETF	46435GAA0
BKMI	BNY Mellon Municipal ETF	11,782	$308K	0.1%	$26.10	—	ETF	05613H704
LMT	Lockheed Martin Corp	508	$307K	0.1%	$181.44	+231.2%	COM	539830109
FISV	Fiserv Inc	5,475	$306K	0.1%	$79.60	-19.7%	COM	337738108
TEL	TE Connectivity Ltd	1,431	$299K	0.1%	$148.69	+54.6%	COM	G87052109
INTC	Intel Corp	6,771	$299K	0.1%	$47.98	-3.2%	COM	458140100
JEPI	JPMorgan Equity Premium Income ETF	5,134	$291K	0.1%	$57.10	—	ETF	46641Q332
QQQ	PowerShares QQQ ETF	487	$281K	0.1%	$551.86	—	ETF	46090E103
INTU	Intuit Inc.	620	$268K	0.1%	$361.27	+37.7%	COM	461202103
A	Agilent Technologies	2,348	$268K	0.1%	$143.49	-6.1%	COM	00846U101
VDC	Vanguard Consumer Staples ETF	1,182	$265K	0.1%	$125.71	—	ETF	92204A207
JMST	JPMorgan Ultra-Short Municipal Inc ETF	5,068	$258K	0.1%	$50.94	—	ETF	46641Q654
VCRM	Vanguard Core Tax-Exempt Bond ETF	3,315	$249K	0.1%	$75.15	—	ETF	922907712
TGT	Target Corp	1,986	$241K	0.1%	$91.63	+19.2%	COM	87612E106
IBDX	iShares iBonds Dec 2032 Corp Bond ETF	9,452	$239K	0.1%	$25.61	—	ETF	46436E312
IBDT	iShares iBonds Dec 2028 Corp Bond ETF	9,255	$234K	0.0%	$25.44	—	ETF	46435U515
CTVA	Corteva Inc	2,794	$234K	0.0%	$64.54	+12.7%	COM	22052L104
BK	Bank of New York Mellon	1,959	$232K	0.0%	$101.35	+18.5%	COM	064058100
NKE	Nike Inc Class B	4,373	$231K	0.0%	$75.42	-15.2%	COM	654106103
VT	Vanguard Total World ETF	1,665	$230K	0.0%	$140.93	—	ETF	922042742
DUK	Duke Energy	1,753	$230K	0.0%	$115.54	+4.6%	COM	26441C204
SCHZ	Schwab US AGG Bnd ETF	9,771	$227K	0.0%	$42.03	—	ETF	808524839
XLRE	Real Estate Sector SPDR	5,552	$227K	0.0%	$40.38	—	ETF	81369Y860
UL	Unilever Plc Adr New	3,745	$213K	0.0%	$65.40	—	ADR	904767803
IGM	iShares - Expanded Tech. Sector Index	1,800	$213K	0.0%	$112.34	—	ETF	464287549
VOE	Vanguard Mid Cap Value ETF	1,145	$211K	0.0%	$101.42	—	ETF	922908512
TFC	Truist Finl Corp	4,521	$208K	0.0%	$30.72	+66.5%	COM	89832Q109
SYY	Sysco Inc	2,880	$205K	0.0%	$50.42	+63.1%	COM	871829107
PPG	PPG Inds Inc	1,920	$205K	0.0%	$116.87	0.0%	COM	693506107
TT	Trane Technologies PLC	492	$205K	0.0%	$422.16	0.0%	COM	G8994E103
SO	Southern Co	2,123	$205K	0.0%	$89.54	0.0%	COM	842587107
VWO	Vanguard Emerging Mkt Fd ETF	3,750	$203K	0.0%	$53.76	—	ETF	922042858