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 137,850 15,000 SH SOLE 15,000 0 0
AT&T Inc. COM 00206R102 308,066 10,645 SH SOLE 10,645 0 0
AbbVie Inc. COM 00287Y109 1,340,362 7,221 SH SOLE 7,221 0 0
Adobe Inc. COM 00724F101 539,311 1,394 SH SOLE 1,394 0 0
The Allstate Corporation COM 020002101 184,803 918 SH SOLE 918 0 0
Alphabet Inc. Class C CAP STK CL C 02079K107 80,003 451 SH SOLE 451 0 0
Alphabet Inc. Class A CAP STK CL A 02079K305 2,334,343 13,246 SH SOLE 13,246 0 0
Altria Group Inc. COM 02209S103 697,052 11,889 SH SOLE 11,889 0 0
Amazon.com Inc. COM 023135106 2,003,031 9,130 SH SOLE 9,130 0 0
American Electric Power Co. Inc. COM 025537101 854,360 8,234 SH SOLE 8,234 0 0
American Express Co. COM 025816109 19,139 60 SH SOLE 60 0 0
Ameriprise Financial Inc COM 03076C106 19,748 37 SH SOLE 37 0 0
Amgen Inc. COM 031162100 20,662 74 SH SOLE 74 0 0
Antero Midstream Corp COM 03676B102 18,476 975 SH SOLE 975 0 0
Apple Inc. COM 037833100 4,405,205 21,471 SH SOLE 21,471 0 0
Applied Materials Inc. COM 038222105 715,621 3,909 SH SOLE 3,909 0 0
Ares Capital Corp. COM 04010L103 30,480 1,388 SH SOLE 1,388 0 0
Automatic Data Processing Inc. COM 053015103 77,717 252 SH SOLE 252 0 0
Bain Capital Specialty Finance Inc COM STK 05684B107 5,114 340 SH SOLE 340 0 0
Bank of America Corp. COM 060505104 1,023,768 21,635 SH SOLE 21,635 0 0
Berkshire Hathaway Inc Class B CL B NEW 084670702 696,108 1,433 SH SOLE 1,433 0 0
BlackRock Capital Allocation Term Trust COM 09260U109 11,325 748 SH SOLE 748 0 0
Blackrock Funding Inc Ordinary Shares COM 09290D101 2,445,802 2,331 SH SOLE 2,331 0 0
BorgWarner Inc COM 099724106 7,399 221 SH SOLE 221 0 0
Broadcom Inc COM 11135F101 1,547,499 5,614 SH SOLE 5,614 0 0
Cigna Group COM 125523100 99,174 300 SH SOLE 300 0 0
CME Group Inc. COM 12572Q105 722,400 2,621 SH SOLE 2,621 0 0
CVR Energy Inc. COM 12662P108 22,823 850 SH SOLE 850 0 0
Coterra Energy Inc. (formerly Cabot Oil & Gas) COM 127097103 9,746 384 SH SOLE 384 0 0
Cadence Design Systems Inc COM 127387108 879,460 2,854 SH SOLE 2,854 0 0
Caterpillar Inc. COM 149123101 1,029,145 2,651 SH SOLE 2,651 0 0
Cenovus Energy Inc. COM 15135U109 8,514 626 SH SOLE 626 0 0
Centerpoint Energy Inc. COM 15189T107 11,022 300 SH SOLE 300 0 0
Charles River Laboratories COM 159864107 12,290 81 SH SOLE 81 0 0
Chart Industries Inc COM 16115Q308 17,288 105 SH SOLE 105 0 0
Chevron Corp. COM 166764100 1,554,614 10,857 SH SOLE 10,857 0 0
Church & Dwight Co. Inc. COM 171340102 3,556 37 SH SOLE 37 0 0
Cisco Systems Inc COM 17275R102 909,849 13,114 SH SOLE 13,114 0 0
Cintas Corp. COM 172908105 94,497 424 SH SOLE 424 0 0
Coca-Cola Co. COM 191216100 42,096 595 SH SOLE 595 0 0
Comcast Corp. Cl A CL A 20030N101 530,318 14,859 SH SOLE 14,859 0 0
Corteva Inc. COM 22052L104 2,385 32 SH SOLE 32 0 0
Costco Wholesale Corp. COM 22160K105 40,588 41 SH SOLE 41 0 0
CrowdStrike Holdings Inc Class A CL A 22788C105 20,372 40 SH SOLE 40 0 0
Crown Castle International Corp COM 22822V101 336,749 3,278 SH SOLE 3,278 0 0
Cummins, Inc. COM 231021106 470,290 1,436 SH SOLE 1,436 0 0
Deere & Company COM 244199105 495,778 975 SH SOLE 975 0 0
Dell Technologies Inc. CL C 24703L202 3,188 26 SH SOLE 26 0 0
Diamondback Energy Inc Common COM 25278X109 10,305 75 SH SOLE 75 0 0
Trump Media Technology Group (Digital World Acquisition Corp DWAC) COM 25400Q105 27,349 1,516 SH SOLE 1,516 0 0
Walt Disney Co. COM 254687106 579,499 4,673 SH SOLE 4,673 0 0
Duke Energy Corp. COM NEW 26441C204 470,348 3,986 SH SOLE 3,986 0 0
DuPont de Nemours Inc. COM 26614N102 2,195 32 SH SOLE 32 0 0
EOG Resources Inc. COM 26875P101 660,965 5,526 SH SOLE 5,526 0 0
Emerson Electric Co. COM 291011104 1,096,906 8,227 SH SOLE 8,227 0 0
Enbridge Inc. COM 29250N105 626,776 13,830 SH SOLE 13,830 0 0
Enerpac Tool Group Corp Class A CL A COM 292765104 5,273 130 SH SOLE 130 0 0
Enterprise Products Partners LP COM 293792107 1,582 51 SH SOLE 51 0 0
Equinix Inc COM 29444U700 10,341 13 SH SOLE 13 0 0
Evergy Inc. COM 30034W106 77,202 1,120 SH SOLE 1,120 0 0
Expeditors Intl Wash COM 302130109 6,284 55 SH SOLE 55 0 0
Exxon Mobil Corp. COM 30231G102 113,082 1,049 SH SOLE 1,049 0 0
Meta Platforms, Inc CL A CL A 30303M102 1,102,706 1,494 SH SOLE 1,494 0 0
Fidelity Covington Trust Msci Utilities Index Etf MSCI UTILS INDEX 316092865 183,837 3,495 SH SOLE 3,495 0 0
Fidelity Covington Trust Enhanced Large Cap Growth Etf ENHANCED LARGE 31609A305 56,323 1,521 SH SOLE 1,521 0 0
Floor & Decor Holdings Inc Class A CL A 339750101 7,292 96 SH SOLE 96 0 0
Ford Motor Co. COM 345370860 171,549 15,811 SH SOLE 15,811 0 0
Generac Hldgs Inc Common COM 368736104 3,580 25 SH SOLE 25 0 0
General Dynamics Corp. COM 369550108 802,648 2,752 SH SOLE 2,752 0 0
GE Aerospace COM NEW 369604301 29,857 116 SH SOLE 116 0 0
Genuine Parts Co. COM 372460105 545,410 4,496 SH SOLE 4,496 0 0
Goldman Sachs Group Inc. COM 38141G104 540,721 764 SH SOLE 764 0 0
Hexcel Corp COM 428291108 12,541 222 SH SOLE 222 0 0
Home Depot Inc. COM 437076102 1,282,873 3,499 SH SOLE 3,499 0 0
Honeywell International Inc. COM 438516106 1,191,647 5,117 SH SOLE 5,117 0 0
Ingredion Inc. COM 457187102 768,152 5,664 SH SOLE 5,664 0 0
Intercontinental Exchange Inc COM 45866F104 795,893 4,338 SH SOLE 4,338 0 0
International Business Machines Corp. COM 459200101 42,743 145 SH SOLE 145 0 0
Invesco QQQ Trust UNIT SER 1 46090E103 499,234 905 SH SOLE 905 0 0
Invesco S&P 500 BuyWrite ETF S&P500 BUY WRT 46137V399 18,188 832 SH SOLE 832 0 0
Invesco Financial Preferred ETF FINL PFD ETF 46137V621 51,064 3,619 SH SOLE 3,619 0 0
Invesco Preferred ETF PFD ETF 46138E511 42,350 3,805 SH SOLE 3,805 0 0
iShares Gold Trust ISHARES NEW 464285204 13,166,815 211,142 SH SOLE 211,142 0 0
iShares Select Dividend ETF SELECT DIVID ETF 464287168 476,788 3,590 SH SOLE 3,590 0 0
iShares Core S&P 500 ETF CORE S&P500 ETF 464287200 53,096,884 85,516 SH SOLE 85,516 0 0
iShares S&P 500 Growth ETF S&P 500 GRWT ETF 464287309 3,420,367 31,066 SH SOLE 31,066 0 0
iShares S&P 500 Value ETF S&P 500 VAL ETF 464287408 3,698,519 18,926 SH SOLE 18,926 0 0
iShares 7-10 Year Treasury Bond ETF 7-10 YR TRSY BD 464287440 9,002 94 SH SOLE 94 0 0
iShares MSCI EAFE ETF MSCI EAFE ETF 464287465 292,931 3,277 SH SOLE 3,277 0 0
iShares Core S&P Mid-Cap ETF CORE S&P MCP ETF 464287507 7,372,379 118,871 SH SOLE 118,871 0 0
iShares Core S&P Small-Cap ETF CORE S&P SCP ETF 464287804 1,494,759 13,677 SH SOLE 13,677 0 0
iShares Short-Term National Muni Bond ETF SHRT NAT MUN ETF 464288158 2,304,175 21,668 SH SOLE 21,668 0 0
iShares National Muni Bond ETF NATIONAL MUN ETF 464288414 1,016,277 9,727 SH SOLE 9,727 0 0
Blackrock Institutional Trust Company N.A. Ishares Esg Msci Kld 400 Etf ESG MSCI KLD 400 464288570 897,104 7,723 SH SOLE 7,723 0 0
iShares MSCI EAFE Value ETF EAFE VALUE ETF 464288877 31,677 499 SH SOLE 499 0 0
iShares MSCI EAFE Growth ETF EAFE GRWTH ETF 464288885 21,056 188 SH SOLE 188 0 0
iShares Floating Rate Bond ETF FLTG RATE NT ETF 46429B655 221,580 4,343 SH SOLE 4,343 0 0
iShares MSCI USA Quality Factor ETF MSCI USA QLT FCT 46432F339 12,066 66 SH SOLE 66 0 0
iShares Core MSCI EAFE ETF CORE MSCI EAFE 46432F842 18,106,979 216,902 SH SOLE 216,902 0 0
iShares Core MSCI Emerging Markets ETF CORE MSCI EMKT 46434G103 7,593,795 126,500 SH SOLE 126,500 0 0
iShares ESG Aware MSCI EM ETF ESG AWR MSCI EM 46434G863 240,778 6,147 SH SOLE 6,147 0 0
Ishares Trust Esg Select Screened S&p Mid-Cap Etf ESG SELECT SCRE 46436E551 204,222 4,921 SH SOLE 4,921 0 0
JPMorgan Chase & Co. COM 46625H100 1,757,145 6,061 SH SOLE 6,061 0 0
Johnson & Johnson COM 478160104 1,823,530 11,938 SH SOLE 11,938 0 0
The Kroger Co. COM 501044101 7,091,802 98,868 SH SOLE 98,868 0 0
Eli Lilly & Co. COM 532457108 9,354 12 SH SOLE 12 0 0
Lincoln Electric Holdings Inc. COM 533900106 4,150,546 20,020 SH SOLE 20,020 0 0
Littelfuse Inc COM 537008104 8,162 36 SH SOLE 36 0 0
Lockheed Martin Corp COM 539830109 879,503 1,899 SH SOLE 1,899 0 0
Lowe's Companies Inc. COM 548661107 48,811 220 SH SOLE 220 0 0
Manhattan Assocs Inc Common COM 562750109 7,701 39 SH SOLE 39 0 0
Markel Group Inc. COM 570535104 7,989 4 SH SOLE 4 0 0
Marsh & McLennan Companies Inc. COM 571748102 40,011 183 SH SOLE 183 0 0
Marriott International Inc CL A 571903202 671,277 2,457 SH SOLE 2,457 0 0
Marvell Technology Inc COM 573874104 366,025 4,729 SH SOLE 4,729 0 0
Mastercard Inc. Class A CL A 57636Q104 48,889 87 SH SOLE 87 0 0
McDonald's Corp. COM 580135101 1,144,138 3,916 SH SOLE 3,916 0 0
Merck & Co. Inc. COM 58933Y105 724,551 9,153 SH SOLE 9,153 0 0
Microsoft Corp. COM 594918104 5,232,753 10,520 SH SOLE 10,520 0 0
Microchip Technology Inc. COM 595017104 661,619 9,402 SH SOLE 9,402 0 0
Mondelez International Inc Class A CL A 609207105 22,120 328 SH SOLE 328 0 0
Morgan Stanley Common COM NEW 617446448 809,100 5,744 SH SOLE 5,744 0 0
NextEra Energy Inc COM 65339F101 374,104 5,389 SH SOLE 5,389 0 0
Norfolk Southern Corp. COM 655844108 50,426 197 SH SOLE 197 0 0
Novo Nordisk A/S ADR ADR 670100205 1,726 25 SH SOLE 25 0 0
Nvidia Corp Common COM 67066G104 3,061,056 19,375 SH SOLE 19,375 0 0
Oracle Corp. COM 68389X105 681,470 3,117 SH SOLE 3,117 0 0
Orchid Island Capital COM NEW 68571X301 25,937 3,700 SH SOLE 3,700 0 0
Organon & Co. COMMON STOCK 68622V106 145 15 SH SOLE 15 0 0
Owens-Corning Inc. COM 690742101 7,014 51 SH SOLE 51 0 0
PNC Financial Services Group Inc. COM 693475105 462,881 2,483 SH SOLE 2,483 0 0
Palantir Technologies Inc Ordinary Shares-C CL A 69608A108 7,770 57 SH SOLE 57 0 0
Palo Alto Networks Inc. COM 697435105 855,191 4,179 SH SOLE 4,179 0 0
Paychex Inc. COM 704326107 1,035,530 7,119 SH SOLE 7,119 0 0
Paypal Holdings Inc. COM 70450Y103 14,864 200 SH SOLE 200 0 0
PepsiCo Inc COM 713448108 1,516,215 11,483 SH SOLE 11,483 0 0
Pfizer Inc. COM 717081103 480,316 19,815 SH SOLE 19,815 0 0
Phillips 66 COM 718546104 29,825 250 SH SOLE 250 0 0
PIMCO 0-5 Year High Yield Corp Bond ETF 0-5 HIGH YIELD 72201R783 116,957 1,231 SH SOLE 1,231 0 0
Principal Spectrum Pref Secs Actv ETF SPECTRUM PFD 74255Y888 7,221,575 380,684 SH SOLE 380,684 0 0
Procter & Gamble Co. COM 742718109 1,914,070 12,014 SH SOLE 12,014 0 0
Prologis Inc. COM 74340W103 291,288 2,771 SH SOLE 2,771 0 0
Prudential Financial Inc. COM 744320102 616,061 5,734 SH SOLE 5,734 0 0
Public Storage COM 74460D109 1,085,654 3,700 SH SOLE 3,700 0 0
Pure Storage Inc A CL A 74624M102 19,404 337 SH SOLE 337 0 0
Qualcomm Inc. COM 747525103 514,569 3,231 SH SOLE 3,231 0 0
RTX Corporation (formerly Raytheon Technologies Corp) COM 75513E101 1,073,393 7,351 SH SOLE 7,351 0 0
Rockwell Automation Inc. COM 773903109 46,172 139 SH SOLE 139 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 962,610 1,558 SH SOLE 1,558 0 0
SPDR S&P Emerging Markets Small Cap ETF S&P EMKTSC ETF 78463X756 13,895 224 SH SOLE 224 0 0
SPDR Portfolio Developed Wld ex-US ETF PORTFOLIO DEVLPD 78463X889 30,206 746 SH SOLE 746 0 0
SPDR Portfolio Short Term Corporate Bond ETF PORTFOLIO SHORT 78464A474 11,989,264 397,127 SH SOLE 397,127 0 0
SPDR S&P Regional Banking ETF S&P REGL BKG 78464A698 5,939 100 SH SOLE 100 0 0
SPDR Dow Jones Industrial Average ETF UT SER 1 78467X109 170,532 387 SH SOLE 387 0 0
SPDR S&P MidCap 400 ETF Trust UTSER1 S&PDCRP 78467Y107 73,642 130 SH SOLE 130 0 0
Spdr Series Trust Portfolio High Yield Bond Etf PORTFLI HIGH YLD 78468R606 10,186 428 SH SOLE 428 0 0
Silgan Holdings Inc. COM 827048109 16,091 297 SH SOLE 297 0 0
South Bow Corporation COM 83671M105 2,591 100 SH SOLE 100 0 0
Southern Co. COM 842587107 995,070 10,836 SH SOLE 10,836 0 0
STMicroelectronics NV NY REGISTRY 861012102 6,538 215 SH SOLE 215 0 0
Stryker Corp. COM 863667101 526,584 1,331 SH SOLE 1,331 0 0
Sysco Corp. COM 871829107 619,780 8,183 SH SOLE 8,183 0 0
Targa Resources Corp. COM 87612G101 43,520 250 SH SOLE 250 0 0
Tc Energy Corp COMMON COM 87807B107 48,790 1,000 SH SOLE 1,000 0 0
Tesla Inc COM 88160R101 932,967 2,937 SH SOLE 2,937 0 0
Texas Instruments Inc. COM 882508104 154,885 746 SH SOLE 746 0 0
Thermo Fisher Scientific Inc. COM 883556102 401,405 990 SH SOLE 990 0 0
The Travelers Companies Inc. COM 89417E109 10,434 39 SH SOLE 39 0 0
Twilio Inc Class A CL A 90138F102 4,974 40 SH SOLE 40 0 0
U.S. Bancorp COM NEW 902973304 581,825 12,858 SH SOLE 12,858 0 0
Uber Technologies Inc COM 90353T100 832,703 8,925 SH SOLE 8,925 0 0
United Parcel Service Inc. CL B 911312106 375,800 3,723 SH SOLE 3,723 0 0
UnitedHealth Group Inc. COM 91324P102 633,923 2,032 SH SOLE 2,032 0 0
Vanguard Total Bond Market ETF TOTAL BND MRKT 921937835 16,861,344 229,001 SH SOLE 229,001 0 0
Vanguard Short-Term Infl-Prot Secs ETF STRM INFPROIDX 922020805 24,230 482 SH SOLE 482 0 0
Vanguard FTSE Emerging Markets ETF FTSE EMR MKT ETF 922042858 113,214 2,289 SH SOLE 2,289 0 0
Vanguard Short-Term Treasury ETF SHORT TERM TREAS 92206C102 13,619,973 231,711 SH SOLE 231,711 0 0
Vanguard Intmdt-Term Trs ETF INTER TERM TREAS 92206C706 9,352,550 156,371 SH SOLE 156,371 0 0
Vanguard Mortgage-Backed Secs ETF MTG-BKD SECS ETF 92206C771 125,952 2,718 SH SOLE 2,718 0 0
Vanguard S&P 500 ETF (old cusip 922908413) S&P 500 ETF SHS 922908363 296,512 522 SH SOLE 522 0 0
Vanguard Total Stock Market ETF TOTAL STK MKT 922908769 84,493 278 SH SOLE 278 0 0
Verizon Communications Inc COM 92343V104 738,662 17,071 SH SOLE 17,071 0 0
Viatris Inc COM 92556V106 2,402 269 SH SOLE 269 0 0
Visa Inc. Class A COM CL A 92826C839 1,219,597 3,435 SH SOLE 3,435 0 0
WEC Energy Group Inc. COM 92939U106 13,129 126 SH SOLE 126 0 0
Wal-Mart Stores Inc. COM 931142103 1,090,345 11,151 SH SOLE 11,151 0 0
Waste Management Inc. COM 94106L109 1,216,865 5,318 SH SOLE 5,318 0 0
Waters Corp. COM 941848103 5,236 15 SH SOLE 15 0 0
Wells Fargo & Co. COM 949746101 133,400 1,665 SH SOLE 1,665 0 0
Where Food Comes From Inc COM NEW 96327X200 185,952 16,813 SH SOLE 16,813 0 0
Zions Bancorp COM 989701107 8,310 160 SH SOLE 160 0 0
Zoetis Inc. CL A 98978V103 411,552 2,639 SH SOLE 2,639 0 0
Accenture PLC Class A SHS CLASS A G1151C101 593,596 1,986 SH SOLE 1,986 0 0
Eaton Corp PLC SHS G29183103 9,639 27 SH SOLE 27 0 0
Medtronic PLC SHS G5960L103 595,807 6,835 SH SOLE 6,835 0 0
Cyberark Software Ltd SHS M2682V108 28,075 69 SH SOLE 69 0 0
Asml Holding NV ADR N Y REGISTRY SHS N07059210 8,014 10 SH SOLE 10 0 0
Innovation Beverage Group LTD SHS NEW Q4933C117 1,140 2,000 SH SOLE 2,000 0 0