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
Estimated average burden
hours per response: 23.8
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
3M CO COM 88579Y101 611,244 4,015 SH SOLE 4,015 0 0
ABBVIE INC COM 00287Y109 654,311 3,525 SH SOLE 3,525 0 0
AMAZON COM INC COM 023135106 273,141 1,245 SH SOLE 1,245 0 0
APOLLO GLOBAL MGMT INC COM 03769M106 380,353 2,681 SH SOLE 2,681 0 0
APPLE INC COM 037833100 2,224,043 10,840 SH SOLE 10,840 0 0
BANK MONTREAL QUE COM 063671101 793,992 7,177 SH SOLE 7,177 0 0
BLACKSTONE INC COM 09260D107 467,886 3,128 SH SOLE 3,128 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 540,852 11,684 SH SOLE 11,684 0 0
BROOKFIELD INFRASTRUCTURE CO COM SUB VTG A 11276H106 732,077 17,598 SH SOLE 17,598 0 0
CANADIAN IMPERIAL BK COMM COM 136069101 388,928 5,491 SH SOLE 5,491 0 0
CENTERPOINT ENERGY INC COM 15189T107 599,744 16,324 SH SOLE 16,324 0 0
CHEVRON CORP NEW COM 166764100 528,801 3,693 SH SOLE 3,693 0 0
CHORD ENERGY CORPORATION COM NEW 674215207 203,482 2,101 SH SOLE 2,101 0 0
CVS HEALTH CORP COM 126650100 915,434 13,271 SH SOLE 13,271 0 0
DOW INC COM 260557103 487,497 18,410 SH SOLE 18,410 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 21,911,901 180,523 SH SOLE 180,523 0 0
GSK PLC SPONSORED ADR 37733W204 715,738 18,639 SH SOLE 18,639 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 953,319 3,234 SH SOLE 3,234 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 319,951 580 SH SOLE 580 0 0
ISHARES INC CORE MSCI EMKT 46434G103 13,038,148 217,194 SH SOLE 217,194 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 19,629,750 167,532 SH SOLE 167,532 0 0
ISHARES TR GLOBAL TECH ETF 464287291 8,576,860 92,883 SH SOLE 92,883 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 22,577,336 53,176 SH SOLE 53,176 0 0
ISHARES TR SP SMCP600VL ETF 464287879 858,897 8,633 SH SOLE 8,633 0 0
ISHARES TR SELECT DIVID ETF 464287168 1,197,158 9,014 SH SOLE 9,014 0 0
ISHARES TR MRGSTR SM CP GR 464288604 1,243,727 24,995 SH SOLE 24,995 0 0
ISHARES TR S&P SML 600 GWT 464287887 670,256 5,038 SH SOLE 5,038 0 0
ISHARES TR CORE US AGGBD ET 464287226 648,705 6,539 SH SOLE 6,539 0 0
ISHARES TR MRNING SM CP ETF 464288703 17,305,555 281,895 SH SOLE 281,895 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 20,678,670 72,338 SH SOLE 72,338 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 2,714,364 32,291 SH SOLE 32,291 0 0
ISHARES TR EXPONENTIAL TECH 46434V381 821,570 12,591 SH SOLE 12,591 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 786,132 4,983 SH SOLE 4,983 0 0
ISHARES TR CORE S&P US GWT 464287671 1,263,155 8,399 SH SOLE 8,399 0 0
ISHARES TR CORE MSCI EAFE 46432F842 11,371,749 136,221 SH SOLE 136,221 0 0
ISHARES TR ESG AWARE MSCI 46435U663 481,081 11,640 SH SOLE 11,640 0 0
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 565,639 9,776 SH SOLE 9,776 0 0
M & T BK CORP COM 55261F104 539,486 2,781 SH SOLE 2,781 0 0
META PLATFORMS INC CL A 30303M102 222,903 302 SH SOLE 302 0 0
NORTHWESTERN ENERGY GROUP IN COM NEW 668074305 626,219 12,207 SH SOLE 12,207 0 0
OGE ENERGY CORP COM 670837103 730,761 16,466 SH SOLE 16,466 0 0
ONEOK INC NEW COM 682680103 502,841 6,160 SH SOLE 6,160 0 0
PFIZER INC COM 717081103 649,438 26,792 SH SOLE 26,792 0 0
PHILIP MORRIS INTL INC COM 718172109 1,538,634 8,448 SH SOLE 8,448 0 0
PPL CORP COM 69351T106 616,662 18,196 SH SOLE 18,196 0 0
ROGERS COMMUNICATIONS INC CL B 775109200 620,280 20,913 SH SOLE 20,913 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,333,973 2,159 SH SOLE 2,159 0 0
SPDR SERIES TRUST NYSE TECH ETF 78464A102 237,280 1,000 SH SOLE 1,000 0 0
TELUS CORPORATION COM 87971M103 471,843 29,380 SH SOLE 29,380 0 0
UNITED PARCEL SERVICE INC CL B 911312106 520,951 5,161 SH SOLE 5,161 0 0
VALERO ENERGY CORP COM 91913Y100 538,352 4,005 SH SOLE 4,005 0 0
VALLEY NATL BANCORP COM 919794107 779,750 87,318 SH SOLE 87,318 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,938,980 39,203 SH SOLE 39,203 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 829,962 19,181 SH SOLE 19,181 0 0
VICI PPTYS INC COM 925652109 747,257 22,922 SH SOLE 22,922 0 0
WISDOMTREE TR US SMALLCAP DIVD 97717W604 2,483,798 78,205 SH SOLE 78,205 0 0
WISDOMTREE TR US HIGH DIVIDEND 97717W208 311,263 3,243 SH SOLE 3,243 0 0