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
ABBVIE INC COM 00287Y109 1,402,792 7,557 SH OTR 1 0 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,135,184 3,798 SH OTR 1 0 0 0
ADOBE INC COM 00724F101 1,271,417 3,286 SH OTR 1 0 0 0
ALPHABET INC CAP STK CL A 02079K305 3,268,827 18,549 SH OTR 1 0 0 0
ALPHABET INC CAP STK CL C 02079K107 207,577 1,170 SH OTR 0 0 0
AMAZON COM INC COM 023135106 3,487,278 15,895 SH OTR 1 0 0 0
AMERICAN EXPRESS CO COM 025816109 1,600,180 5,017 SH OTR 1 0 0 0
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839 410,640 21,819 SH OTR 1 0 0 0
APPLE INC COM 037833100 6,320,193 30,805 SH OTR 1 0 0 0
AT&T INC COM 00206R102 514,478 17,777 SH OTR 1 0 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 310,867 1,008 SH OTR 0 0 0
BANK AMERICA CORP COM 060505104 909,842 19,227 SH OTR 0 0 0
BANK NEW YORK MELLON CORP COM 064058100 1,525,661 16,745 SH OTR 1 0 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 393,343 810 SH OTR 0 0 0
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 2,072,733 38,060 SH OTR 1 0 0 0
BLACKROCK ETF TRUST ISHARES US THEMA 09290C806 597,612 16,796 SH OTR 1 0 0 0
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603 602,101 11,395 SH OTR 1 0 0 0
BLACKROCK ETF TRUST II ISHARES HIGH YIE 092528843 205,968 4,235 SH OTR 1 0 0 0
BOSTON SCIENTIFIC CORP COM 101137107 1,212,910 11,292 SH OTR 1 0 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 400,138 8,644 SH OTR 1 0 0 0
BROADCOM INC COM 11135F101 2,099,721 7,617 SH OTR 1 0 0 0
CAESARS ENTERTAINMENT INC NE COM 12769G100 444,417 15,654 SH OTR 1 0 0 0
CAPITAL ONE FINL CORP COM 14040H105 390,799 1,837 SH OTR 1 0 0 0
CENTERPOINT ENERGY INC COM 15189T107 799,688 21,766 SH OTR 1 0 0 0
CINTAS CORP COM 172908105 2,775,400 12,453 SH OTR 0 0 0
COLGATE PALMOLIVE CO COM 194162103 227,155 2,499 SH OTR 0 0 0
COMCAST CORP NEW CL A 20030N101 282,480 7,915 SH OTR 1 0 0 0
CONOCOPHILLIPS COM 20825C104 283,074 3,154 SH OTR 0 0 0
DELTA AIR LINES INC DEL COM NEW 247361702 1,057,503 21,503 SH OTR 1 0 0 0
DIAMONDBACK ENERGY INC COM 25278X109 1,291,545 9,400 SH OTR 1 0 0 0
DIMENSIONAL ETF TRUST GLOBAL CR ETF 25434V567 627,381 11,569 SH OTR 1 0 0 0
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 508,208 12,155 SH OTR 1 0 0 0
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 460,862 10,905 SH OTR 1 0 0 0
DIMENSIONAL ETF TRUST GLOBAL CORE PLUS 25434V583 209,392 3,843 SH OTR 1 0 0 0
DIMENSIONAL ETF TRUST GLOBAL EX US COR 25434V575 467,604 8,763 SH OTR 1 0 0 0
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 288,657 9,285 SH OTR 1 0 0 0
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 2,723,767 56,733 SH OTR 1 0 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 1,178,829 32,891 SH OTR 1 0 0 0
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 305,334 8,586 SH OTR 1 0 0 0
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 249,244 8,469 SH OTR 1 0 0 0
DISNEY WALT CO COM 254687106 974,945 7,862 SH OTR 1 0 0 0
DOLLAR GEN CORP NEW COM 256677105 473,762 4,142 SH OTR 1 0 0 0
DOUGLAS EMMETT INC COM 25960P109 362,219 24,084 SH OTR 1 0 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 2,863,715 24,269 SH OTR 1 0 0 0
ELEVANCE HEALTH INC COM 036752103 395,407 1,017 SH OTR 1 0 0 0
ELI LILLY & CO COM 532457108 1,845,505 2,367 SH OTR 1 0 0 0
ENBRIDGE INC COM 29250N105 789,802 17,427 SH OTR 1 0 0 0
ESSENTIAL UTILS INC COM 29670G102 786,477 21,176 SH OTR 0 0 0
FERGUSON ENTERPRISES INC COMMON STOCK NEW 31488V107 477,526 2,193 SH OTR 1 0 0 0
FIFTH THIRD BANCORP COM 316773100 384,072 9,338 SH OTR 0 0 0
FISERV INC COM 337738108 725,156 4,206 SH OTR 1 0 0 0
FORTUNE BRANDS INNOVATIONS I COM 34964C106 243,292 4,726 SH OTR 1 0 0 0
GAMING & LEISURE PPTYS INC COM 36467J108 1,021,664 21,887 SH OTR 1 0 0 0
GE AEROSPACE COM NEW 369604301 266,842 1,037 SH OTR 1 0 0 0
GENUINE PARTS CO COM 372460105 439,232 3,621 SH OTR 1 0 0 0
GRAPHIC PACKAGING HLDG CO COM 388689101 581,465 27,597 SH OTR 1 0 0 0
HOME DEPOT INC COM 437076102 1,181,271 3,222 SH OTR 0 0 0
INGERSOLL RAND INC COM 45687V106 298,949 3,594 SH OTR 0 0 0
INGREDION INC COM 457187102 332,926 2,455 SH OTR 1 0 0 0
INTERACTIVE BROKERS GROUP IN COM CL A 45841N107 2,249,690 40,601 SH OTR 1 0 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 243,477 826 SH OTR 0 0 0
IQVIA HLDGS INC COM 46266C105 1,782,185 11,309 SH OTR 1 0 0 0
IRON MTN INC DEL COM 46284V101 856,232 8,348 SH OTR 1 0 0 0
ISHARES GOLD TR ISHARES NEW 464285204 374,160 6,000 SH OTR 1 0 0 0
ISHARES INC EMNG MKTS EQT 46434G889 354,234 6,803 SH OTR 1 0 0 0
ISHARES INC CORE MSCI EMKT 46434G103 932,314 15,531 SH OTR 1 0 0 0
ISHARES TR MBS ETF 464288588 782,143 8,330 SH OTR 1 0 0 0
ISHARES TR S&P 100 ETF 464287101 955,650 3,140 SH OTR 1 0 0 0
ISHARES TR U.S. TECH ETF 464287721 520,896 3,006 SH OTR 1 0 0 0
ISHARES TR CORE INTL AGGR 46435G672 466,452 9,130 SH OTR 1 0 0 0
ISHARES TR CORE TOTAL USD 46434V613 3,534,973 76,465 SH OTR 1 0 0 0
ISHARES TR EAFE GRWTH ETF 464288885 947,087 8,456 SH OTR 1 0 0 0
ISHARES TR EAFE VALUE ETF 464288877 1,862,810 29,345 SH OTR 1 0 0 0
ISHARES TR MSCI USA VALUE 46432F388 268,901 2,375 SH OTR 1 0 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 232,380 2,258 SH OTR 1 0 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,758,995 2,833 SH OTR 1 0 0 0
ISHARES TR MSCI USA MMENTM 46432F396 825,337 3,434 SH OTR 1 0 0 0
ISHARES TR S&P 500 VAL ETF 464287408 1,096,493 5,611 SH OTR 1 0 0 0
ISHARES TR US TREAS BD ETF 46429B267 226,026 9,836 SH OTR 1 0 0 0
ISHARES TR 10-20 YR TRS ETF 464288653 1,260,723 12,409 SH OTR 1 0 0 0
ISHARES TR JPMORGAN USD EMG 464288281 215,876 2,331 SH OTR 1 0 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 245,749 2,618 SH OTR 1 0 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 3,068,604 16,785 SH OTR 1 0 0 0
ISHARES TR NATIONAL MUN ETF 464288414 2,648,794 25,352 SH OTR 1 0 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 421,183 992 SH OTR 0 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 322,422 1,660 SH OTR 0 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 2,171,571 19,724 SH OTR 1 0 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 228,631 2,150 SH OTR 1 0 0 0
JPMORGAN CHASE & CO. COM 46625H100 1,677,166 5,785 SH OTR 1 0 0 0
KEURIG DR PEPPER INC COM 49271V100 1,334,816 40,376 SH OTR 1 0 0 0
KIMBERLY-CLARK CORP COM 494368103 868,463 6,736 SH OTR 1 0 0 0
KROGER CO COM 501044101 1,625,175 22,657 SH OTR 1 0 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 1,246,338 4,969 SH OTR 1 0 0 0
LAM RESEARCH CORP COM NEW 512807306 1,520,826 15,624 SH OTR 1 0 0 0
LINDE PLC SHS G54950103 747,305 1,593 SH OTR 1 0 0 0
LOWES COS INC COM 548661107 788,439 3,554 SH OTR 0 0 0
MCKESSON CORP COM 58155Q103 1,205,991 1,646 SH OTR 1 0 0 0
MERCK & CO INC COM 58933Y105 321,547 4,062 SH OTR 1 0 0 0
META PLATFORMS INC CL A 30303M102 2,965,229 4,017 SH OTR 1 0 0 0
MICROSOFT CORP COM 594918104 6,961,237 13,995 SH OTR 1 0 0 0
NETFLIX INC COM 64110L106 289,880 216 SH OTR 1 0 0 0
NORFOLK SOUTHN CORP COM 655844108 382,294 1,494 SH OTR 1 0 0 0
NVIDIA CORPORATION COM 67066G104 6,730,588 42,601 SH OTR 1 0 0 0
ORACLE CORP COM 68389X105 486,373 2,225 SH OTR 1 0 0 0
PARKER-HANNIFIN CORP COM 701094104 1,306,346 1,870 SH OTR 1 0 0 0
PAYPAL HLDGS INC COM 70450Y103 457,886 6,161 SH OTR 1 0 0 0
PEPSICO INC COM 713448108 425,730 3,224 SH OTR 1 0 0 0
PHILIP MORRIS INTL INC COM 718172109 1,978,439 10,863 SH OTR 1 0 0 0
PPG INDS INC COM 693506107 257,860 2,267 SH OTR 1 0 0 0
PPL CORP COM 69351T106 875,116 25,822 SH OTR 1 0 0 0
PULTE GROUP INC COM 745867101 1,154,837 10,950 SH OTR 1 0 0 0
REINSURANCE GRP OF AMERICA I COM NEW 759351604 972,607 4,903 SH OTR 1 0 0 0
RESTAURANT BRANDS INTL INC COM 76131D103 1,538,685 23,211 SH OTR 1 0 0 0
ROYAL CARIBBEAN GROUP COM V7780T103 1,735,888 5,543 SH OTR 1 0 0 0
SCHLUMBERGER LTD COM STK 806857108 1,297,134 38,377 SH OTR 1 0 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 328,181 1,296 SH OTR 0 0 0
SERVICENOW INC COM 81762P102 1,251,173 1,217 SH OTR 1 0 0 0
SPDR GOLD TR GOLD SHS 78463V107 3,936,081 12,912 SH OTR 1 0 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 1,162,068 42,411 SH OTR 1 0 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 2,680,137 72,085 SH OTR 1 0 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 821,599 18,613 SH OTR 1 0 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 6,118,337 151,107 SH OTR 1 0 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 8,047,218 188,283 SH OTR 1 0 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 14,628,019 23,676 SH OTR 1 0 0 0
SPDR SERIES TRUST DJ REIT ETF 78464A607 3,131,132 32,467 SH OTR 1 0 0 0
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 873,656 28,939 SH OTR 1 0 0 0
SPDR SERIES TRUST BLOOMBERG 1 10 Y 78468R861 5,655,265 295,468 SH OTR 1 0 0 0
SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663 579,250 6,315 SH OTR 1 0 0 0
SPDR SERIES TRUST BLOOMBERG EMERGI 78464A391 2,907,283 135,854 SH OTR 1 0 0 0
SPDR SERIES TRUST BLOOMBERG EMG MK 78468R515 5,242,740 213,033 SH OTR 1 0 0 0
SPDR SERIES TRUST BLOOMBERG ENHNCD 78468R440 3,623,841 133,083 SH OTR 1 0 0 0
SPDR SERIES TRUST BLOOMBERG HIGH Y 78468R622 3,781,825 38,880 SH OTR 1 0 0 0
SPDR SERIES TRUST PORTFLI HIGH YLD 78468R606 638,074 26,810 SH OTR 1 0 0 0
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 28,526,154 1,114,303 SH OTR 1 0 0 0
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 1,703,925 50,742 SH OTR 1 0 0 0
SPDR SERIES TRUST PORTFOLIO LN COR 78464A367 4,019,404 178,086 SH OTR 1 0 0 0
SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664 1,678,984 63,167 SH OTR 1 0 0 0
SPDR SERIES TRUST PORTFOLIO S&P400 78464A847 2,925,419 53,796 SH OTR 1 0 0 0
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 6,606,342 90,884 SH OTR 1 0 0 0
SPDR SERIES TRUST PORTFOLIO S&P600 78468R853 3,382,942 79,412 SH OTR 1 0 0 0
SPDR SERIES TRUST PORTFOLIO SH TSR 78468R101 872,687 29,795 SH OTR 1 0 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 4,916,090 118,204 SH OTR 1 0 0 0
SSGA ACTIVE TR SPDR SSGA FXD 78470P507 22,025,592 852,384 SH OTR 1 0 0 0
SSGA ACTIVE TR SPDR SSGA US SCT 78470P408 12,288,366 223,750 SH OTR 1 0 0 0
SUBURBAN PROPANE PARTNERS L UNIT LTD PARTN 864482104 279,919 15,106 SH OTR 0 0 0
SYNOPSYS INC COM 871607107 1,272,472 2,482 SH OTR 1 0 0 0
SYSCO CORP COM 871829107 888,618 11,732 SH OTR 1 0 0 0
T-MOBILE US INC COM 872590104 1,222,076 5,129 SH OTR 1 0 0 0
TJX COS INC NEW COM 872540109 1,062,884 8,607 SH OTR 1 0 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 1,694,526 3,874 SH OTR 0 0 0
TRUIST FINL CORP COM 89832Q109 774,155 18,008 SH OTR 1 0 0 0
UBER TECHNOLOGIES INC COM 90353T100 1,476,597 15,826 SH OTR 1 0 0 0
UNITED PARCEL SERVICE INC CL B 911312106 1,821,608 18,046 SH OTR 1 0 0 0
UNITEDHEALTH GROUP INC COM 91324P102 656,029 2,103 SH OTR 1 0 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 4,338,358 56,095 SH OTR 1 0 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 4,141,819 59,560 SH OTR 1 0 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 9,014,329 114,540 SH OTR 1 0 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,092,112 14,832 SH OTR 1 0 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 10,141,934 204,846 SH OTR 1 0 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 18,165,498 102,781 SH OTR 1 0 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 20,353,940 46,428 SH OTR 1 0 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 5,314,806 22,427 SH OTR 1 0 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,171,492 3,854 SH OTR 1 0 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,723,679 135,942 SH OTR 1 0 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 7,294,644 148,779 SH OTR 1 0 0 0
VANGUARD MUN BD FDS INTERMEDIATE TRM 922907738 7,162,519 72,672 SH OTR 1 0 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 993,812 11,985 SH OTR 1 0 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,268,087 21,202 SH OTR 1 0 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 4,565,380 98,519 SH OTR 1 0 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 794,275 11,496 SH OTR 1 0 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 21,275,182 373,183 SH OTR 1 0 0 0
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870 2,198,336 21,781 SH OTR 1 0 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 247,190 5,713 SH OTR 1 0 0 0
VERTIV HOLDINGS CO COM CL A 92537N108 1,669,438 13,001 SH OTR 1 0 0 0
VISA INC COM CL A 92826C839 1,615,213 4,549 SH OTR 1 0 0 0
WALMART INC COM 931142103 258,874 2,648 SH OTR 1 0 0 0
WELLS FARGO CO NEW COM 949746101 2,624,848 32,761 SH OTR 1 0 0 0
WELLTOWER INC COM 95040Q104 207,810 1,352 SH OTR 0 0 0
WORKDAY INC CL A 98138H101 1,117,680 4,657 SH OTR 1 0 0 0