The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Expires: July 31, 2015
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AGNC Investment Corp. COM 00123Q104 143,700 15,000 SH SOLE 15,000 0 0
AT&T Inc. COM 00206R102 301,041 10,645 SH SOLE 10,645 0 0
AbbVie Inc. COM 00287Y109 1,641,799 7,836 SH SOLE 7,836 0 0
Adobe Inc. COM 00724F101 468,290 1,221 SH SOLE 1,221 0 0
The Allstate Corporation COM 020002101 190,090 918 SH SOLE 918 0 0
Alphabet Inc. Class C CAP STK CL C 02079K107 71,397 457 SH SOLE 457 0 0
Alphabet Inc. Class A CAP STK CL A 02079K305 1,948,773 12,602 SH SOLE 12,602 0 0
Altria Group Inc. COM 02209S103 762,854 12,710 SH SOLE 12,710 0 0
Amazon.com Inc. COM 023135106 1,539,203 8,090 SH SOLE 8,090 0 0
American Electric Power Co. Inc. COM 025537101 865,855 7,924 SH SOLE 7,924 0 0
American Express Co. COM 025816109 16,143 60 SH SOLE 60 0 0
Ameriprise Financial Inc COM 03076C106 17,912 37 SH SOLE 37 0 0
Amgen Inc. COM 031162100 115,585 371 SH SOLE 371 0 0
Antero Midstream Corp COM 03676B102 17,550 975 SH SOLE 975 0 0
Apple Inc. COM 037833100 4,845,322 21,813 SH SOLE 21,813 0 0
Applied Materials Inc. COM 038222105 491,231 3,385 SH SOLE 3,385 0 0
Ares Capital Corp. COM 04010L103 30,758 1,388 SH SOLE 1,388 0 0
Automatic Data Processing Inc. COM 053015103 76,994 252 SH SOLE 252 0 0
Bain Capital Specialty Finance Inc COM STK 05684B107 5,644 340 SH SOLE 340 0 0
Bank of America Corp. COM 060505104 944,058 22,623 SH SOLE 22,623 0 0
Berkshire Hathaway Inc Class B CL B NEW 084670702 253,508 476 SH SOLE 476 0 0
BlackRock Capital Allocation Term Trust COM 09260U109 10,771 748 SH SOLE 748 0 0
Blackrock Funding Inc Ordinary Shares COM 09290D101 2,172,172 2,295 SH SOLE 2,295 0 0
BorgWarner Inc COM 099724106 6,332 221 SH SOLE 221 0 0
Broadcom Inc COM 11135F101 1,058,325 6,321 SH SOLE 6,321 0 0
Cigna Group COM 125523100 98,700 300 SH SOLE 300 0 0
CME Group Inc. COM 12572Q105 739,363 2,787 SH SOLE 2,787 0 0
CVR Energy Inc. COM 12662P108 16,490 850 SH SOLE 850 0 0
Coterra Energy Inc. (formerly Cabot Oil & Gas) COM 127097103 11,098 384 SH SOLE 384 0 0
Cadence Design Systems Inc COM 127387108 688,471 2,707 SH SOLE 2,707 0 0
Caterpillar Inc. COM 149123101 953,122 2,890 SH SOLE 2,890 0 0
Cenovus Energy Inc. COM 15135U109 8,708 626 SH SOLE 626 0 0
Centerpoint Energy Inc. COM 15189T107 10,869 300 SH SOLE 300 0 0
Charles River Laboratories COM 159864107 12,192 81 SH SOLE 81 0 0
Chart Industries Inc COM 16115Q308 13,714 95 SH SOLE 95 0 0
Chevron Corp. COM 166764100 1,771,768 10,591 SH SOLE 10,591 0 0
Church & Dwight Co. Inc. COM 171340102 4,073 37 SH SOLE 37 0 0
Cisco Systems Inc COM 17275R102 1,124,171 18,217 SH SOLE 18,217 0 0
Cintas Corp. COM 172908105 87,145 424 SH SOLE 424 0 0
Citigroup Inc. COM NEW 172967424 3,550 50 SH SOLE 50 0 0
Coca-Cola Co. COM 191216100 71,620 1,000 SH SOLE 1,000 0 0
Comcast Corp. Cl A CL A 20030N101 559,810 15,171 SH SOLE 15,171 0 0
ConocoPhillips COM 20825C104 6,931 66 SH SOLE 66 0 0
Corteva Inc. COM 22052L104 2,014 32 SH SOLE 32 0 0
Costco Wholesale Corp. COM 22160K105 38,777 41 SH SOLE 41 0 0
CrowdStrike Holdings Inc Class A CL A 22788C105 14,103 40 SH SOLE 40 0 0
Crown Castle International Corp COM 22822V101 336,871 3,232 SH SOLE 3,232 0 0
Cummins, Inc. COM 231021106 374,561 1,195 SH SOLE 1,195 0 0
DNP Select Income (CEF) COM 23325P104 4,994 505 SH SOLE 505 0 0
Deere & Company COM 244199105 450,107 959 SH SOLE 959 0 0
Dell Technologies Inc. CL C 24703L202 2,279 25 SH SOLE 25 0 0
Diamondback Energy Inc Common COM 25278X109 11,991 75 SH SOLE 75 0 0
Trump Media Technology Group (Digital World Acquisition Corp DWAC) COM 25400Q105 29,623 1,516 SH SOLE 1,516 0 0
Walt Disney Co. COM 254687106 419,574 4,251 SH SOLE 4,251 0 0
DuPont de Nemours Inc. COM 26614N102 2,390 32 SH SOLE 32 0 0
EOG Resources Inc. COM 26875P101 617,347 4,814 SH SOLE 4,814 0 0
Emerson Electric Co. COM 291011104 971,301 8,859 SH SOLE 8,859 0 0
Enbridge Inc. COM 29250N105 518,737 11,707 SH SOLE 11,707 0 0
Enerpac Tool Group Corp Class A CL A COM 292765104 5,832 130 SH SOLE 130 0 0
Enterprise Products Partners LP COM 293792107 1,707 50 SH SOLE 50 0 0
Equinix Inc COM 29444U700 10,600 13 SH SOLE 13 0 0
Evergy Inc. COM 30034W106 66,330 962 SH SOLE 962 0 0
Expeditors Intl Wash COM 302130109 6,614 55 SH SOLE 55 0 0
Exxon Mobil Corp. COM 30231G102 158,058 1,329 SH SOLE 1,329 0 0
Meta Platforms, Inc CL A CL A 30303M102 847,826 1,471 SH SOLE 1,471 0 0
Fidelity Covington Trust Msci Utilities Index Etf MSCI UTILS INDEX 316092865 178,070 3,495 SH SOLE 3,495 0 0
Floor & Decor Holdings Inc Class A CL A 339750101 7,725 96 SH SOLE 96 0 0
Ford Motor Co. COM 345370860 158,584 15,811 SH SOLE 15,811 0 0
Freeport-McMoRan Inc. CL B 35671D857 9,314 246 SH SOLE 246 0 0
Generac Hldgs Inc Common COM 368736104 3,166 25 SH SOLE 25 0 0
General Dynamics Corp. COM 369550108 678,724 2,490 SH SOLE 2,490 0 0
GE Aerospace COM NEW 369604301 36,828 184 SH SOLE 184 0 0
Genuine Parts Co. COM 372460105 602,848 5,060 SH SOLE 5,060 0 0
Goldman Sachs Group Inc. COM 38141G104 421,190 771 SH SOLE 771 0 0
Hexcel Corp COM 428291108 12,157 222 SH SOLE 222 0 0
Home Depot Inc. COM 437076102 1,794,335 4,896 SH SOLE 4,896 0 0
Honeywell International Inc. COM 438516106 1,098,983 5,190 SH SOLE 5,190 0 0
Ingredion Inc. COM 457187102 848,848 6,278 SH SOLE 6,278 0 0
Intercontinental Exchange Inc COM 45866F104 629,970 3,652 SH SOLE 3,652 0 0
International Business Machines Corp. COM 459200101 36,056 145 SH SOLE 145 0 0
Invesco QQQ Trust UNIT SER 1 46090E103 410,305 875 SH SOLE 875 0 0
Invesco S&P 500 BuyWrite ETF S&P500 BUY WRT 46137V399 18,445 832 SH SOLE 832 0 0
Invesco Financial Preferred ETF FINL PFD ETF 46137V621 20,863 1,461 SH SOLE 1,461 0 0
Invesco Preferred ETF PFD ETF 46138E511 141,428 12,605 SH SOLE 12,605 0 0
iShares Gold Trust ISHARES NEW 464285204 12,603,054 213,756 SH SOLE 213,756 0 0
iShares Select Dividend ETF SELECT DIVID ETF 464287168 482,101 3,590 SH SOLE 3,590 0 0
iShares Core S&P 500 ETF CORE S&P500 ETF 464287200 48,506,579 86,326 SH SOLE 86,326 0 0
iShares S&P 500 Growth ETF S&P 500 GRWT ETF 464287309 2,883,857 31,066 SH SOLE 31,066 0 0
iShares S&P 500 Value ETF S&P 500 VAL ETF 464287408 3,606,917 18,926 SH SOLE 18,926 0 0
iShares 7-10 Year Treasury Bond ETF 7-10 YR TRSY BD 464287440 8,965 94 SH SOLE 94 0 0
iShares MSCI EAFE ETF MSCI EAFE ETF 464287465 267,829 3,277 SH SOLE 3,277 0 0
iShares Core S&P Mid-Cap ETF CORE S&P MCP ETF 464287507 6,996,282 119,902 SH SOLE 119,902 0 0
iShares Biotechnology ETF ISHARES BIOTECH 464287556 29,545 231 SH SOLE 231 0 0
iShares Core S&P Small-Cap ETF CORE S&P SCP ETF 464287804 1,401,029 13,398 SH SOLE 13,398 0 0
iShares Short-Term National Muni Bond ETF SHRT NAT MUN ETF 464288158 2,283,811 21,627 SH SOLE 21,627 0 0
iShares National Muni Bond ETF NATIONAL MUN ETF 464288414 916,906 8,696 SH SOLE 8,696 0 0
Blackrock Institutional Trust Company N.A. Ishares Esg Msci Kld 400 Etf MSCI KLD400 SOC 464288570 866,696 8,463 SH SOLE 8,463 0 0
iShares MSCI EAFE Value ETF EAFE VALUE ETF 464288877 29,411 499 SH SOLE 499 0 0
iShares MSCI EAFE Growth ETF EAFE GRWTH ETF 464288885 18,800 188 SH SOLE 188 0 0
iShares Floating Rate Bond ETF FLTG RATE NT ETF 46429B655 221,710 4,343 SH SOLE 4,343 0 0
iShares MSCI USA Quality Factor ETF MSCI USA QLT FCT 46432F339 11,279 66 SH SOLE 66 0 0
iShares Core MSCI EAFE ETF CORE MSCI EAFE 46432F842 16,652,456 220,125 SH SOLE 220,125 0 0
iShares Core MSCI Emerging Markets ETF CORE MSCI EMKT 46434G103 6,792,934 125,865 SH SOLE 125,865 0 0
iShares ESG Aware MSCI EM ETF ESG AWR MSCI EM 46434G863 214,943 6,150 SH SOLE 6,150 0 0
Ishares Trust Esg Select Screened S&p Mid-Cap Etf ESG SCRD S&P MID 46436E551 191,873 4,911 SH SOLE 4,911 0 0
JPMorgan Chase & Co. COM 46625H100 1,686,683 6,876 SH SOLE 6,876 0 0
Jacobs Solutions Inc COM 46982L108 431,577 3,570 SH SOLE 3,570 0 0
Johnson & Johnson COM 478160104 1,809,646 10,912 SH SOLE 10,912 0 0
KLA Corp COM NEW 482480100 44,867 66 SH SOLE 66 0 0
The Kroger Co. COM 501044101 6,760,065 99,868 SH SOLE 99,868 0 0
Eli Lilly & Co. COM 532457108 9,911 12 SH SOLE 12 0 0
Lincoln Electric Holdings Inc. COM 533900106 3,786,983 20,020 SH SOLE 20,020 0 0
Littelfuse Inc COM 537008104 7,083 36 SH SOLE 36 0 0
Lockheed Martin Corp COM 539830109 858,130 1,921 SH SOLE 1,921 0 0
Lowe's Companies Inc. COM 548661107 51,311 220 SH SOLE 220 0 0
Manhattan Assocs Inc Common COM 562750109 9,517 55 SH SOLE 55 0 0
Markel Group Inc. COM 570535104 9,348 5 SH SOLE 5 0 0
Marsh & McLennan Companies Inc. COM 571748102 44,657 183 SH SOLE 183 0 0
Marriott International Inc CL A 571903202 632,897 2,657 SH SOLE 2,657 0 0
Marvell Technology Inc COM 573874104 283,037 4,597 SH SOLE 4,597 0 0
Mastercard Inc. Class A CL A 57636Q104 47,686 87 SH SOLE 87 0 0
McDonald's Corp. COM 580135101 1,320,700 4,228 SH SOLE 4,228 0 0
Merck & Co. Inc. COM 58933Y105 758,113 8,446 SH SOLE 8,446 0 0
Microsoft Corp. COM 594918104 3,908,185 10,411 SH SOLE 10,411 0 0
Microchip Technology Inc. COM 595017104 495,476 10,235 SH SOLE 10,235 0 0
Mondelez International Inc Class A CL A 609207105 22,255 328 SH SOLE 328 0 0
Morgan Stanley Common COM NEW 617446448 597,817 5,124 SH SOLE 5,124 0 0
NextEra Energy Inc COM 65339F101 327,441 4,619 SH SOLE 4,619 0 0
Norfolk Southern Corp. COM 655844108 46,659 197 SH SOLE 197 0 0
Novo Nordisk A/S ADR ADR 670100205 1,736 25 SH SOLE 25 0 0
Nvidia Corp Common COM 67066G104 1,850,047 17,070 SH SOLE 17,070 0 0
Oracle Corp. COM 68389X105 530,859 3,797 SH SOLE 3,797 0 0
Orchid Island Capital COM NEW 68571X301 27,824 3,700 SH SOLE 3,700 0 0
Organon & Co. COMMON STOCK 68622V106 223 15 SH SOLE 15 0 0
Owens-Corning Inc. COM 690742101 7,284 51 SH SOLE 51 0 0
PNC Financial Services Group Inc. COM 693475105 429,055 2,441 SH SOLE 2,441 0 0
Palantir Technologies Inc Ordinary Shares-C CL A 69608A108 4,811 57 SH SOLE 57 0 0
Palo Alto Networks Inc. COM 697435105 701,501 4,111 SH SOLE 4,111 0 0
Paychex Inc. COM 704326107 1,060,366 6,873 SH SOLE 6,873 0 0
Paypal Holdings Inc. COM 70450Y103 13,050 200 SH SOLE 200 0 0
PepsiCo Inc COM 713448108 1,727,159 11,519 SH SOLE 11,519 0 0
Pfizer Inc. COM 717081103 488,454 19,276 SH SOLE 19,276 0 0
Phillips 66 COM 718546104 34,945 283 SH SOLE 283 0 0
PIMCO 0-5 Year High Yield Corp Bond ETF 0-5 HIGH YIELD 72201R783 165,497 1,767 SH SOLE 1,767 0 0
Principal Spectrum Pref Secs Actv ETF SPECTRUM PFD 74255Y888 7,018,391 375,315 SH SOLE 375,315 0 0
Procter & Gamble Co. COM 742718109 1,997,663 11,722 SH SOLE 11,722 0 0
Prologis Inc. COM 74340W103 258,011 2,308 SH SOLE 2,308 0 0
Proshares Trust Bitcoin Etf BITCOIN ETF 74347G440 1,649 90 SH SOLE 90 0 0
Prudential Financial Inc. COM 744320102 590,117 5,284 SH SOLE 5,284 0 0
Public Storage COM 74460D109 1,107,672 3,701 SH SOLE 3,701 0 0
Qualcomm Inc. COM 747525103 503,226 3,276 SH SOLE 3,276 0 0
RTX Corporation (formerly Raytheon Technologies Corp) COM 75513E101 976,495 7,372 SH SOLE 7,372 0 0
Reinsurance Group of America Inc. COM NEW 759351604 12,602 64 SH SOLE 64 0 0
Rockwell Automation Inc. COM 773903109 48,834 189 SH SOLE 189 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 859,782 1,537 SH SOLE 1,537 0 0
SPDR S&P Emerging Markets Small Cap ETF S&P EMKTSC ETF 78463X756 12,685 224 SH SOLE 224 0 0
SPDR Portfolio Developed Wld ex-US ETF PORTFOLIO DEVLPD 78463X889 27,162 746 SH SOLE 746 0 0
SPDR Portfolio Short Term Corporate Bond ETF PORTFOLIO SHORT 78464A474 11,864,035 394,154 SH SOLE 394,154 0 0
SPDR S&P Regional Banking ETF S&P REGL BKG 78464A698 5,685 100 SH SOLE 100 0 0
SPDR Dow Jones Industrial Average ETF UT SER 1 78467X109 162,494 387 SH SOLE 387 0 0
SPDR S&P MidCap 400 ETF Trust UTSER1 S&PDCRP 78467Y107 69,352 130 SH SOLE 130 0 0
Spdr Series Trust Portfolio High Yield Bond Etf PORTFLI HIGH YLD 78468R606 3,569,161 152,398 SH SOLE 152,398 0 0
Silgan Holdings Inc. COM 827048109 15,183 297 SH SOLE 297 0 0
Solventum Corp COM SHS 83444M101 456 6 SH SOLE 6 0 0
South Bow Corporation COM 83671M105 2,552 100 SH SOLE 100 0 0
Southern Co. COM 842587107 992,508 10,794 SH SOLE 10,794 0 0
Starbucks Corp. COM 855244109 10,692 109 SH SOLE 109 0 0
STMicroelectronics NV NY REGISTRY 861012102 4,721 215 SH SOLE 215 0 0
Stryker Corp. COM 863667101 392,724 1,055 SH SOLE 1,055 0 0
Sysco Corp. COM 871829107 622,082 8,290 SH SOLE 8,290 0 0
Targa Resources Corp. COM 87612G101 50,118 250 SH SOLE 250 0 0
Tc Energy Corp COMMON COM 87807B107 47,210 1,000 SH SOLE 1,000 0 0
Tesla Inc COM 88160R101 662,931 2,558 SH SOLE 2,558 0 0
Texas Instruments Inc. COM 882508104 134,056 746 SH SOLE 746 0 0
3M Co. COM 88579Y101 3,672 25 SH SOLE 25 0 0
The Travelers Companies Inc. COM 89417E109 36,495 138 SH SOLE 138 0 0
Twilio Inc Class A CL A 90138F102 3,916 40 SH SOLE 40 0 0
U.S. Bancorp COM NEW 902973304 580,398 13,747 SH SOLE 13,747 0 0
Uber Technologies Inc COM 90353T100 640,148 8,786 SH SOLE 8,786 0 0
Union Pacific Corp. COM 907818108 709 3 SH SOLE 3 0 0
United Parcel Service Inc. CL B 911312106 414,992 3,773 SH SOLE 3,773 0 0
UnitedHealth Group Inc. COM 91324P102 871,520 1,664 SH SOLE 1,664 0 0
Vanguard Total Bond Market ETF TOTAL BND MRKT 921937835 16,637,306 226,512 SH SOLE 226,512 0 0
Vanguard Short-Term Infl-Prot Secs ETF STRM INFPROIDX 922020805 24,052 482 SH SOLE 482 0 0
Vanguard FTSE Emerging Markets ETF FTSE EMR MKT ETF 922042858 103,600 2,289 SH SOLE 2,289 0 0
Vanguard Energy ETF ENERGY ETF 92204A306 4,929 38 SH SOLE 38 0 0
Vanguard Information Technology ETF INF TECH ETF 92204A702 17,899 33 SH SOLE 33 0 0
Vanguard Communication Services ETF COMM SRVC ETF 92204A884 4,600 31 SH SOLE 31 0 0
Vanguard Short-Term Treasury ETF SHORT TERM TREAS 92206C102 11,930,210 203,275 SH SOLE 203,275 0 0
Vanguard Intmdt-Term Trs ETF INTER TERM TREAS 92206C706 8,010,328 134,854 SH SOLE 134,854 0 0
Vanguard Mortgage-Backed Secs ETF MTG-BKD SECS ETF 92206C771 125,871 2,718 SH SOLE 2,718 0 0
Vanguard S&P 500 ETF (old cusip 922908413) S&P 500 ETF SHS 922908363 273,400 532 SH SOLE 532 0 0
Vanguard Growth ETF GROWTH ETF 922908736 4,450 12 SH SOLE 12 0 0
Vanguard Total Stock Market ETF TOTAL STK MKT 922908769 97,568 355 SH SOLE 355 0 0
Verizon Communications Inc COM 92343V104 807,136 17,794 SH SOLE 17,794 0 0
Viatris Inc COM 92556V106 2,343 269 SH SOLE 269 0 0
Visa Inc. Class A COM CL A 92826C839 1,036,661 2,958 SH SOLE 2,958 0 0
WEC Energy Group Inc. COM 92939U106 13,731 126 SH SOLE 126 0 0
Wal-Mart Stores Inc. COM 931142103 732,959 8,349 SH SOLE 8,349 0 0
Waste Management Inc. COM 94106L109 1,329,793 5,744 SH SOLE 5,744 0 0
Waters Corp. COM 941848103 21,746 59 SH SOLE 59 0 0
Wells Fargo & Co. COM 949746101 119,530 1,665 SH SOLE 1,665 0 0
Where Food Comes From Inc COM NEW 96327X200 186,120 16,813 SH SOLE 16,813 0 0
Zions Bancorp COM 989701107 7,978 160 SH SOLE 160 0 0
Zoetis Inc. CL A 98978V103 362,230 2,200 SH SOLE 2,200 0 0
Accenture PLC Class A SHS CLASS A G1151C101 533,900 1,711 SH SOLE 1,711 0 0
Eaton Corp PLC SHS G29183103 7,339 27 SH SOLE 27 0 0
Medtronic PLC SHS G5960L103 554,886 6,175 SH SOLE 6,175 0 0
Cyberark Software Ltd SHS M2682V108 25,012 74 SH SOLE 74 0 0
Asml Holding NV ADR N Y REGISTRY SHS N07059210 6,626 10 SH SOLE 10 0 0
Innovation Beverage Group LTD SHS NEW Q4933C117 994 2,000 SH SOLE 2,000 0 0