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 Company com 88579Y101 660 4,251 SH SOLE 0 660 0 0
A T & T Inc. com 00206R102 4,319 152,943 SH SOLE 0 4,319 0 0
Abbott Laboratories com 002824100 523 3,906 SH SOLE 0 523 0 0
AbbVie Inc. com 00287Y109 13,369 57,740 SH SOLE 0 13,369 0 0
Academy Sports and Outdoors, Inc. com 00402L107 1,035 20,699 SH SOLE 0 1,035 0 0
Accenture Ltd Cl A com G1151C101 4,809 19,502 SH SOLE 0 4,809 0 0
AFLAC Inc com 001055102 10,232 91,601 SH SOLE 0 10,232 0 0
Albertsons Companies, Inc. com 013091103 618 35,269 SH SOLE 0 618 0 0
Allison Transmission Holdings, INc. com 01973R101 5,911 69,639 SH SOLE 0 5,911 0 0
Alphabet Inc Class A com 02079K305 2,743 11,282 SH SOLE 0 2,743 0 0
Alphabet Inc Class C com 02079K107 28,676 117,742 SH SOLE 0 28,676 0 0
Amazon.com Inc. com 023135106 822 3,742 SH SOLE 0 822 0 0
Amcor Plc com G0250X107 1,060 129,614 SH SOLE 0 1,060 0 0
Amdocs Limited Common Stock com G02602103 4,205 51,249 SH SOLE 0 4,205 0 0
American Electric Power Co., Inc com 025537101 245 2,179 SH SOLE 0 245 0 0
American Express Company com 025816109 548 1,651 SH SOLE 0 548 0 0
American Intl Group Inc com 026874784 2,707 34,466 SH SOLE 0 2,707 0 0
Ameriprise Financial, Inc. com 03076C106 10,218 20,799 SH SOLE 0 10,218 0 0
Amgen Incorporated com 031162100 9,479 33,589 SH SOLE 0 9,479 0 0
Amkor Technology Inc com 031652100 741 26,082 SH SOLE 0 741 0 0
Apple Computer Inc com 037833100 63,943 251,123 SH SOLE 0 63,943 0 0
Applied Materials Inc com 038222105 3,641 17,781 SH SOLE 0 3,641 0 0
Archer-Daniels-Midland Co. com 039483102 1,619 27,094 SH SOLE 0 1,619 0 0
Arrow Electronics, Inc. com 042735100 2,044 16,896 SH SOLE 0 2,044 0 0
ARS Pharmaceuticals Inc com 82835W108 149 14,780 SH SOLE 0 149 0 0
Automatic Data Processing, Inc. com 053015103 1,324 4,512 SH SOLE 0 1,324 0 0
Autonation Inc. com 05329W102 4,259 19,467 SH SOLE 0 4,259 0 0
AutoZone Inc com 053332102 1,969 459 SH SOLE 0 1,969 0 0
Avantis All Equity Markets ETF ETF 025072232 325 3,901 SH SOLE 0 325 0 0
Avantis Emerging Markets Equity ETF ETF 025072604 40,444 538,462 SH SOLE 0 40,444 0 0
Avantis US Small Cap Value ETF com 025072877 8,171 82,098 SH SOLE 0 8,171 0 0
Avnet, Inc. com 053807103 7,867 150,484 SH SOLE 0 7,867 0 0
Bank of America Corp com 060505104 992 19,226 SH SOLE 0 992 0 0
Becton Dickinson & Co com 075887109 1,185 6,331 SH SOLE 0 1,185 0 0
Belden Inc com 077454106 4,500 37,414 SH SOLE 0 4,500 0 0
Berkshire Hathaway Cl B com 084670702 1,098 2,184 SH SOLE 0 1,098 0 0
Best Buy Inc com 086516101 2,692 35,602 SH SOLE 0 2,692 0 0
Booz Allen Hamilton Holdings Corporation com 099502106 523 5,235 SH SOLE 0 523 0 0
BorgWarner Inc com 099724106 1,127 25,644 SH SOLE 0 1,127 0 0
Boyd Gaming Corp com 103304101 5,962 68,968 SH SOLE 0 5,962 0 0
BP PLC Adr ADR 055622104 611 17,727 SH SOLE 0 611 0 0
Bristol-Myers Squibb Co com 110122108 2,364 52,415 SH SOLE 0 2,364 0 0
Broadcom Limited com 11135F101 6,506 19,720 SH SOLE 0 6,506 0 0
Brunswick Corporation com 117043109 207 3,272 SH SOLE 0 207 0 0
Bunge Ltd. com H11356104 2,065 25,413 SH SOLE 0 2,065 0 0
C V S Caremark Corp. com 126650100 1,435 19,031 SH SOLE 0 1,435 0 0
Cabot Corporation com 127055101 1,039 13,656 SH SOLE 0 1,039 0 0
Cal Maine Foods Inc New com 128030202 703 7,468 SH SOLE 0 703 0 0
Cambria Emerging Shareholder Yield ETF ETF 132061706 39,746 1,068,443 SH SOLE 0 39,746 0 0
Canadian Natl RR Co. com 136375102 264 2,802 SH SOLE 0 264 0 0
Canadian Natural Resources Limited com 136385101 969 30,312 SH SOLE 0 969 0 0
Capital One Financial Corp com 14040H105 1,708 8,036 SH SOLE 0 1,708 0 0
Cardinal Health Inc com 14149Y108 4,682 29,828 SH SOLE 0 4,682 0 0
Carlisle Companies Inc com 142339100 732 2,226 SH SOLE 0 732 0 0
Carrier Global Corp com 14448C104 374 6,264 SH SOLE 0 374 0 0
Caterpillar Inc com 149123101 8,456 17,722 SH SOLE 0 8,456 0 0
CDW Corporation com 12514G108 3,156 19,812 SH SOLE 0 3,156 0 0
Cencora, Inc. com 03073E105 2,235 7,150 SH SOLE 0 2,235 0 0
CF Industries Holdings, Inc. com 125269100 3,466 38,642 SH SOLE 0 3,466 0 0
Charter Communications com 16119P108 541 1,967 SH SOLE 0 541 0 0
Chevron Corp com 166764100 5,697 36,683 SH SOLE 0 5,697 0 0
Chord Energy Corporation com 674215207 642 6,457 SH SOLE 0 642 0 0
Chubb Ltd com H1467J104 1,217 4,312 SH SOLE 0 1,217 0 0
CIGNA Corp com 125523100 1,521 5,277 SH SOLE 0 1,521 0 0
Cincinnati Financial Cp com 172062101 520 3,288 SH SOLE 0 520 0 0
Cirrus Logic Inc com 172755100 1,120 8,942 SH SOLE 0 1,120 0 0
Cisco Systems Inc com 17275R102 11,514 168,281 SH SOLE 0 11,514 0 0
Citigroup Inc com 172967424 378 3,723 SH SOLE 0 378 0 0
Civitas Resources, Inc. com 17888H103 250 7,702 SH SOLE 0 250 0 0
Clear Secure, Inc. com 18467V109 898 26,897 SH SOLE 0 898 0 0
CMS Energy Corp com 125896100 640 8,734 SH SOLE 0 640 0 0
Coca Cola Company com 191216100 262 3,949 SH SOLE 0 262 0 0
Cognizant Technology Solutions Corp. com 192446102 5,369 80,045 SH SOLE 0 5,369 0 0
Comcast Corp com 20030N101 2,058 65,501 SH SOLE 0 2,058 0 0
Commercial Metals Company com 201723103 458 7,999 SH SOLE 0 458 0 0
ConAgra Brands, Inc. com 205887102 583 31,839 SH SOLE 0 583 0 0
ConocoPhillips com 20825C104 427 4,514 SH SOLE 0 427 0 0
Consolidated Edison com 209115104 435 4,326 SH SOLE 0 435 0 0
Constellation Energy Co com 21037T109 2,037 6,189 SH SOLE 0 2,037 0 0
Core & Main, Inc. com 21874C102 2,124 39,466 SH SOLE 0 2,124 0 0
Core Natural Resources Inc com 218937100 205 2,461 SH SOLE 0 205 0 0
Corning Inc com 219350105 8,201 99,975 SH SOLE 0 8,201 0 0
Costco Whsl Corp New com 22160K105 448 484 SH SOLE 0 448 0 0
Coterra Energy Inc. com 127097103 408 17,272 SH SOLE 0 408 0 0
Crane Company com 224441105 218 3,252 SH SOLE 0 218 0 0
Crocs Inc com 227046109 501 5,993 SH SOLE 0 501 0 0
Crown Holdings, Inc. com 228368106 806 8,346 SH SOLE 0 806 0 0
CSX Corp. com 126408103 1,364 38,399 SH SOLE 0 1,364 0 0
Cummins Inc com 231021106 10,168 24,073 SH SOLE 0 10,168 0 0
D R Horton Co com 23331A109 9,479 55,934 SH SOLE 0 9,479 0 0
Deere & Co com 244199105 946 2,069 SH SOLE 0 946 0 0
Dell Inc. com 24703L202 7,254 51,171 SH SOLE 0 7,254 0 0
Diamondback Energy, Inc. com 25278X109 282 1,971 SH SOLE 0 282 0 0
Dick's Sporting Goods Inc. com 253393102 5,995 26,978 SH SOLE 0 5,995 0 0
Dimensional Emerging Core Equity Market ETF ETF 25434V302 892 28,303 SH SOLE 0 892 0 0
Dimensional Emerging Markets ETF 25434V732 286 8,915 SH SOLE 0 286 0 0
Dimensional US Core Equity Market ETF ETF 25434V104 377 8,239 SH SOLE 0 377 0 0
Disney Walt Hldg Co com 254687106 371 3,244 SH SOLE 0 371 0 0
Dole plc com G27907107 964 71,750 SH SOLE 0 964 0 0
DoubleLine Income Solutions Fund com 258622109 731 59,558 SH SOLE 0 731 0 0
Dover Corporation com 260003108 274 1,644 SH SOLE 0 274 0 0
Eaton Corporation plc com G29183103 1,859 4,966 SH SOLE 0 1,859 0 0
Edison International com 281020107 3,057 55,293 SH SOLE 0 3,057 0 0
Electronic Arts Inc. com 285512109 878 4,352 SH SOLE 0 878 0 0
Elevance Health Inc. com 036752103 260 804 SH SOLE 0 260 0 0
Eli Lilly & Company com 532457108 641 840 SH SOLE 0 641 0 0
Encompass Health Corp com 29261A100 1,702 13,399 SH SOLE 0 1,702 0 0
Entergy Corp New com 29364G103 1,209 12,978 SH SOLE 0 1,209 0 0
EOG Resources, Inc com 26875P101 5,572 49,699 SH SOLE 0 5,572 0 0
Equinor ASA ADR 29446M102 1,818 74,552 SH SOLE 0 1,818 0 0
Equitable Holdings, Inc. com 29452E101 9,310 183,337 SH SOLE 0 9,310 0 0
Euronet Worldwide Inc com 298736109 347 3,949 SH SOLE 0 347 0 0
Evercore Partners Inc. com 29977A105 379 1,125 SH SOLE 0 379 0 0
Everest Group Ltd com G3223R108 1,238 3,536 SH SOLE 0 1,238 0 0
Exelon Corporation com 30161N101 1,435 31,879 SH SOLE 0 1,435 0 0
Expeditors International of Washington Inc. com 302130109 1,223 9,976 SH SOLE 0 1,223 0 0
Exxon Mobil Corporation com 30231G102 4,741 42,046 SH SOLE 0 4,741 0 0
FedEx Corp. com 31428X106 303 1,286 SH SOLE 0 303 0 0
Fidelity MSCI Real Estate Index ETF ETF 316092857 272 9,780 SH SOLE 0 272 0 0
Fidelity National Finl. com 31620R303 2,658 43,938 SH SOLE 0 2,658 0 0
Fifth Third Bancorp com 316773100 712 15,981 SH SOLE 0 712 0 0
First Trust Managed Municipal ETF ETF 33739N108 4,139 81,625 SH SOLE 0 4,139 0 0
Fiserv, Inc. com 337738108 338 2,625 SH SOLE 0 338 0 0
Ford Motor Company com 345370860 522 43,648 SH SOLE 0 522 0 0
Gen Digital, Inc. com 668771108 294 10,371 SH SOLE 0 294 0 0
General Dynamics Corp com 369550108 5,821 17,071 SH SOLE 0 5,821 0 0
General Mills Inc com 370334104 1,067 21,161 SH SOLE 0 1,067 0 0
General Motors Company com 37045V100 7,650 125,476 SH SOLE 0 7,650 0 0
Gilead Sciences Inc com 375558103 1,563 14,079 SH SOLE 0 1,563 0 0
GlaxoSmithKline plc ADR 37733W204 1,320 30,586 SH SOLE 0 1,320 0 0
Global X MLP & Energy Infrastructure ETF ETF 37954Y293 628 10,020 SH SOLE 0 628 0 0
Goldman Sachs Group Inc com 38141G104 4,377 5,497 SH SOLE 0 4,377 0 0
Graphic Packaging Holding Company com 388689101 438 22,406 SH SOLE 0 438 0 0
Group 1 Automotive, Inc. com 398905109 4,197 9,593 SH SOLE 0 4,197 0 0
Gulfport Energy Corp com 402635502 1,010 5,582 SH SOLE 0 1,010 0 0
Halozyme Therapeutics, Inc. com 40637H109 1,702 23,209 SH SOLE 0 1,702 0 0
Harmony Biosciences Holdings Inc com 413197104 673 24,434 SH SOLE 0 673 0 0
Hartford Financial Services com 416515104 13,668 102,465 SH SOLE 0 13,668 0 0
Hartford Multifactor Developed Markets ETF ETF 518416102 70,198 1,976,009 SH SOLE 0 70,198 0 0
Hasbro Inc com 418056107 590 7,777 SH SOLE 0 590 0 0
HCA Holdings, Inc. com 40412C101 13,918 32,656 SH SOLE 0 13,918 0 0
Henry Schein, Inc. com 806407102 274 4,125 SH SOLE 0 274 0 0
Hewlett Packard Enterprise Comp com 42824C109 8,724 355,199 SH SOLE 0 8,724 0 0
Home Depot Inc com 437076102 1,927 4,757 SH SOLE 0 1,927 0 0
Honda Motor Co Adr com 438128308 2,295 74,500 SH SOLE 0 2,295 0 0
Honeywell International com 438516106 1,466 6,966 SH SOLE 0 1,466 0 0
HP Inc. com 40434L105 5,651 207,530 SH SOLE 0 5,651 0 0
Huntington Bancshares Incorporated com 446150104 891 51,599 SH SOLE 0 891 0 0
Illinois Tool Works com 452308109 980 3,760 SH SOLE 0 980 0 0
Infosys Limited ADR 456788108 2,867 176,188 SH SOLE 0 2,867 0 0
Ingredion Incorporated com 457187102 3,856 31,580 SH SOLE 0 3,856 0 0
Interdigital Comm Corp com 45867G101 1,150 3,331 SH SOLE 0 1,150 0 0
Interpublic Group of Companies com 460690100 784 28,092 SH SOLE 0 784 0 0
Intl Business Machines com 459200101 9,435 33,439 SH SOLE 0 9,435 0 0
Intuitive Surgical Inc com 46120E602 694 1,552 SH SOLE 0 694 0 0
Invesco FTSE RAFI Dev Mkts ex-US ETF ETF 46138E743 916 14,969 SH SOLE 0 916 0 0
Invesco FTSE RAFI Emerging Markets ETF ETF 46138E727 3,799 149,441 SH SOLE 0 3,799 0 0
Invesco FTSE RAFI US 1000 ETF ETF 46137V613 517 11,425 SH SOLE 0 517 0 0
Invesco QQQ ETF ETF 46090E103 520 866 SH SOLE 0 520 0 0
Iron Mountain Incorporated com 46284V101 335 3,283 SH SOLE 0 335 0 0
iShares 0-3 Month Treasury Bond ETF iShares 46436E718 1,383 13,729 SH SOLE 0 1,383 0 0
iShares 1-5 Yr Investment Grade Corp Bond ETF iShares 464288646 214 4,032 SH SOLE 0 214 0 0
iShares 20 Year Treasury Bond ETF iShares 464287432 6,229 69,694 SH SOLE 0 6,229 0 0
iShares Barclays TIPS Bond ETF 464287176 3,658 32,894 SH SOLE 0 3,658 0 0
iShares Core MSCI EAFE ETF ETF 46432F842 1,384 15,857 SH SOLE 0 1,384 0 0
iShares Core MSCI Emerging Markets ETF ETF 46434G103 353 5,355 SH SOLE 0 353 0 0
iShares Core S&P 500 ETF ETF 464287200 981 1,466 SH SOLE 0 981 0 0
iShares Core S&P Mid-Cap ETF ETF 464287507 411 6,304 SH SOLE 0 411 0 0
iShares Edge MSCI Mltfct USA SmCp ETF ETF 46434V290 765 10,290 SH SOLE 0 765 0 0
iShares Edge MSCI Multifactor Intl ETF ETF 46434V274 14,379 400,405 SH SOLE 0 14,379 0 0
iShares Edge MSCI Multifactor USA ETF ETF 46434V282 14,218 205,823 SH SOLE 0 14,218 0 0
iShares Emerging Markets Local Currency Bond ETF ETF 464286517 8,189 198,705 SH SOLE 0 8,189 0 0
iShares GNMA Bond ETF iShares 46429B333 546 12,311 SH SOLE 0 546 0 0
iShares Gold Trust ETF iShares 464285204 259 3,565 SH SOLE 0 259 0 0
iShares JPMorgan USD Emerg Markets Bond ETF ETF 464288281 9,072 95,306 SH SOLE 0 9,072 0 0
iShares MBS Bond ETF ETF 464288588 9,536 100,218 SH SOLE 0 9,536 0 0
iShares MSCI EAFE ETF ETF 464287465 11,941 127,886 SH SOLE 0 11,941 0 0
iShares MSCI EAFE Min Volatility ETF ETF 46429B689 1,028 12,118 SH SOLE 0 1,028 0 0
iShares MSCI Emerging Markets Index ETF ETF 464287234 2,229 41,750 SH SOLE 0 2,229 0 0
iShares Natl Amt-Free Muni Bond ETF ETF 464288414 5,832 54,767 SH SOLE 0 5,832 0 0
iShares Russell 1000 ETF ETF 464287622 379 1,036 SH SOLE 0 379 0 0
iShares Russell 1000 Growth ETF iShares 464287614 401 857 SH SOLE 0 401 0 0
iShares Russell 1000 Value ETF iShares 464287598 8,266 40,602 SH SOLE 0 8,266 0 0
iShares Russell Mid-cap Value ETF ETF 464287473 259 1,856 SH SOLE 0 259 0 0
iShares S&P 100 ETF iShares 464287101 232 696 SH SOLE 0 232 0 0
iShares S&P Mid-Cap 400 Value ETF ETF 464287705 459 3,540 SH SOLE 0 459 0 0
iShares S&P Small-Cap 600 Value ETF ETF 464287879 248 2,238 SH SOLE 0 248 0 0
iShares S&P Small-Cap ETF ETF 464287804 391 3,291 SH SOLE 0 391 0 0
iShares Short-Term National Muni Bond ETF ETF 464288158 457 4,277 SH SOLE 0 457 0 0
iShares Silver Trust iShares 46428Q109 248 5,855 SH SOLE 0 248 0 0
iShares Trust - U.S. Treasury Bond ETF iShares 46429B267 647 27,967 SH SOLE 0 647 0 0
J M Smuckers Co com 832696405 787 7,245 SH SOLE 0 787 0 0
J P Morgan Chase & Co. com 46625H100 16,969 53,796 SH SOLE 0 16,969 0 0
Jabil Circuit Inc. com 466313103 13,223 60,886 SH SOLE 0 13,223 0 0
Janus Henderson AAA CLO ETF ETF 47103U845 26,260 517,135 SH SOLE 0 26,260 0 0
Janus Henderson Group com G4474Y214 1,194 26,818 SH SOLE 0 1,194 0 0
Janus Henderson Mortgage-Backed ETF ETF 47103U852 78,635 1,721,810 SH SOLE 0 78,635 0 0
Johnson & Johnson com 478160104 8,940 48,214 SH SOLE 0 8,940 0 0
JPMorgan Diversified Return U.S. Equity ETF ETF 46641Q407 443 3,576 SH SOLE 0 443 0 0
JPMorgan Ultra-Short Income ETF ETF 46641Q837 1,594 31,414 SH SOLE 0 1,594 0 0
K L A Tencor Corp com 482480100 3,172 2,941 SH SOLE 0 3,172 0 0
KB Home com 48666K109 632 9,926 SH SOLE 0 632 0 0
Kellogg Company com 487836108 360 4,390 SH SOLE 0 360 0 0
Kimberly-Clark Corp com 494368103 397 3,194 SH SOLE 0 397 0 0
Kinder Morgan, Inc. com 49456B101 1,737 61,362 SH SOLE 0 1,737 0 0
Kroger Company com 501044101 15,415 228,671 SH SOLE 0 15,415 0 0
Lab Cp Of Amer Hldg New com 504922105 1,740 6,060 SH SOLE 0 1,740 0 0
LAM Research Corporation com 512807306 3,955 29,540 SH SOLE 0 3,955 0 0
Leidos Holdings Inc com 525327102 5,124 27,117 SH SOLE 0 5,124 0 0
Lennar Corp Cl A com 526057104 1,787 14,181 SH SOLE 0 1,787 0 0
LKQ Corp. com 501889208 1,049 34,359 SH SOLE 0 1,049 0 0
Lockheed Martin Corp com 539830109 508 1,017 SH SOLE 0 508 0 0
Logitech International S.A. com H50430232 1,969 17,956 SH SOLE 0 1,969 0 0
Louisiana-Pacific Corp com 546347105 271 3,052 SH SOLE 0 271 0 0
Lowes Companies Inc com 548661107 6,175 24,571 SH SOLE 0 6,175 0 0
LyondellBasell Industrials NV com N53745100 1,784 36,378 SH SOLE 0 1,784 0 0
Manulife Financial Corporation com 56501R106 9,614 308,641 SH SOLE 0 9,614 0 0
Marathon Petroleum Corporation com 56585A102 4,150 21,532 SH SOLE 0 4,150 0 0
Masco Corporation com 574599106 1,906 27,077 SH SOLE 0 1,906 0 0
Mastercard Incorporated com 57636Q104 646 1,136 SH SOLE 0 646 0 0
Match Group, Inc. com 57667L107 1,244 35,225 SH SOLE 0 1,244 0 0
McDonald's Corp. com 580135101 1,808 5,948 SH SOLE 0 1,808 0 0
McKesson HBOC Inc com 58155Q103 11,673 15,109 SH SOLE 0 11,673 0 0
MDU Resources Group, Inc. com 552690109 236 13,260 SH SOLE 0 236 0 0
Medtronic PLC com G5960L103 3,282 34,461 SH SOLE 0 3,282 0 0
Merck & Co Inc com 58933Y105 2,884 34,365 SH SOLE 0 2,884 0 0
Meta Platforms, Inc. com 30303M102 16,645 22,665 SH SOLE 0 16,645 0 0
Metlife Inc com 59156R108 6,337 76,936 SH SOLE 0 6,337 0 0
MGIC Investment Corp com 552848103 8,158 287,556 SH SOLE 0 8,158 0 0
Microchip Technology Inc com 595017104 741 11,534 SH SOLE 0 741 0 0
Microsoft Corp com 594918104 35,931 69,373 SH SOLE 0 35,931 0 0
Molson Coors Brewing Clb com 60871R209 2,407 53,197 SH SOLE 0 2,407 0 0
Morgan Stanley com 617446448 1,837 11,559 SH SOLE 0 1,837 0 0
Murphy USA, Inc com 626755102 341 879 SH SOLE 0 341 0 0
National Fuel Gas Co com 636180101 6,686 72,388 SH SOLE 0 6,686 0 0
Netflix Inc com 64110L106 260 217 SH SOLE 0 260 0 0
Network Appliance Inc com 64110D104 4,175 35,245 SH SOLE 0 4,175 0 0
Newmont Mining Corp com 651639106 378 4,488 SH SOLE 0 378 0 0
Nexstar Media Group com 65336K103 8,829 44,650 SH SOLE 0 8,829 0 0
Norfolk Southern Corp com 655844108 202 674 SH SOLE 0 202 0 0
Northrop Grumman Corp com 666807102 7,948 13,044 SH SOLE 0 7,948 0 0
Novartis A G Spon Adr ADR 66987V109 2,536 19,776 SH SOLE 0 2,536 0 0
NRG Energy, Inc com 629377508 2,411 14,889 SH SOLE 0 2,411 0 0
Nucor Corp com 670346105 3,065 22,634 SH SOLE 0 3,065 0 0
Nutrien Ltd. com 67077M108 389 6,623 SH SOLE 0 389 0 0
Nvidia Corp com 67066G104 2,549 13,662 SH SOLE 0 2,549 0 0
NVR Inc com 62944T105 1,173 146 SH SOLE 0 1,173 0 0
NXP Semiconductors NV com N6596X109 444 1,951 SH SOLE 0 444 0 0
OGE Energy Corp com 670837103 671 14,511 SH SOLE 0 671 0 0
Old Republic International Corporation com 680223104 2,188 51,526 SH SOLE 0 2,188 0 0
Omnicom Group Inc com 681919106 8,631 105,863 SH SOLE 0 8,631 0 0
Oracle Corporation com 68389X105 19,240 68,412 SH SOLE 0 19,240 0 0
Organon & Co. Common Stock com 68622V106 177 16,544 SH SOLE 0 177 0 0
Otis Worldwide Corp com 68902V107 294 3,218 SH SOLE 0 294 0 0
Otter Tail Corporation com 689648103 739 9,015 SH SOLE 0 739 0 0
Ovintiv Inc. com 69047Q102 563 13,931 SH SOLE 0 563 0 0
Owens Corning Inc. com 690742101 5,004 35,372 SH SOLE 0 5,004 0 0
PACCAR Inc com 693718108 7,740 78,718 SH SOLE 0 7,740 0 0
Pacer Benchmark Data & Infrastructure Real Estate ETF com 69374H741 11,738 370,525 SH SOLE 0 11,738 0 0
Pacira BioSciences Inc com 695127100 388 15,073 SH SOLE 0 388 0 0
Packaging Corp of America com 695156109 205 940 SH SOLE 0 205 0 0
Palantir Technologies, Inc. com 69608A108 249 1,366 SH SOLE 0 249 0 0
Parker-Hannifin Corporation com 701094104 400 528 SH SOLE 0 400 0 0
Patrick Industries Inc. com 703343103 1,810 17,500 SH SOLE 0 1,810 0 0
PepsiCo Incorporated com 713448108 806 5,737 SH SOLE 0 806 0 0
Petroleo Brasileiro ADR 71654V408 1,191 94,109 SH SOLE 0 1,191 0 0
Pfizer Incorporated com 717081103 3,569 140,083 SH SOLE 0 3,569 0 0
PGIM AAA CLO ETF ETF 69344A834 1,036 20,115 SH SOLE 0 1,036 0 0
Philip Morris International Inc com 718172109 243 1,501 SH SOLE 0 243 0 0
Phillips 66 com 718546104 456 3,353 SH SOLE 0 456 0 0
PIMCO Intermediate Muni Bond Strgy ETF ETF 72201R866 4,707 90,028 SH SOLE 0 4,707 0 0
PNC Financial Services com 693475105 285 1,420 SH SOLE 0 285 0 0
Popular Inc com 733174700 586 4,610 SH SOLE 0 586 0 0
Premier, Inc. com 74051N102 238 8,579 SH SOLE 0 238 0 0
PriceSmart, Inc. com 741511109 1,883 15,541 SH SOLE 0 1,883 0 0
Principal Financial Group Inc. com 74251V102 3,393 40,923 SH SOLE 0 3,393 0 0
Procter & Gamble com 742718109 9,705 63,161 SH SOLE 0 9,705 0 0
Progressive Corp. com 743315103 995 4,029 SH SOLE 0 995 0 0
Prudential Financial Inc com 744320102 5,125 49,399 SH SOLE 0 5,125 0 0
Pub Svc Enterprise Group com 744573106 303 3,634 SH SOLE 0 303 0 0
PulteGroup Inc com 745867101 9,486 71,792 SH SOLE 0 9,486 0 0
Qualcomm Inc com 747525103 6,698 40,260 SH SOLE 0 6,698 0 0
Quest Diagnostic Inc com 74834L100 4,681 24,562 SH SOLE 0 4,681 0 0
Range Resources Corporation com 75281A109 849 22,555 SH SOLE 0 849 0 0
Raytheon Technologies Co com 75513E101 1,905 11,382 SH SOLE 0 1,905 0 0
Regions Financial Cp New com 7591EP100 2,548 96,634 SH SOLE 0 2,548 0 0
Reinsurance Group of America com 759351604 1,238 6,441 SH SOLE 0 1,238 0 0
Reliance Steel & Aluminum Co com 759509102 3,090 11,003 SH SOLE 0 3,090 0 0
Republic Services, Inc com 760759100 275 1,198 SH SOLE 0 275 0 0
Ross Stores, Inc com 778296103 229 1,504 SH SOLE 0 229 0 0
Sanmina-SCI Corp com 801056102 3,004 26,101 SH SOLE 0 3,004 0 0
Schwab Emerging Mkts Equity ETF ETF 808524706 590 17,680 SH SOLE 0 590 0 0
Schwab Fundamental Emerg Mkts Lg Co ETF ETF 808524730 46,241 1,278,782 SH SOLE 0 46,241 0 0
Schwab Fundamental Intl Lg Co ETF ETF 808524755 107,294 2,497,528 SH SOLE 0 107,294 0 0
Schwab Fundamental US Broad Mkt ETF ETF 808524789 314 12,209 SH SOLE 0 314 0 0
Schwab Fundamental US Large Company ETF ETF 808524771 7,282 276,878 SH SOLE 0 7,282 0 0
Schwab Fundamental US Small Company ETF ETF 808524763 15,069 483,607 SH SOLE 0 15,069 0 0
Schwab Intermediate-Term U.S. Trsy ETF ETF 808524854 29,501 1,173,923 SH SOLE 0 29,501 0 0
Schwab International Equity ETF ETF 808524805 72,132 3,098,450 SH SOLE 0 72,132 0 0
Schwab Short-Term U.S. Treasury ETF ETF 808524862 228 9,353 SH SOLE 0 228 0 0
Schwab U.S. Dividend Equity ETF ETF 808524797 280 10,265 SH SOLE 0 280 0 0
Schwab U.S. REIT ETF ETF 808524847 20,728 960,971 SH SOLE 0 20,728 0 0
Schwab U.S. Small-Cap ETF ETF 808524607 301 10,783 SH SOLE 0 301 0 0
Schwab US Broad Mkt ETF ETF 808524102 569 22,126 SH SOLE 0 569 0 0
Schwab US TIPS ETF ETF 808524870 22,923 850,568 SH SOLE 0 22,923 0 0
Science Applications International Corp com 808625107 2,518 25,335 SH SOLE 0 2,518 0 0
Scorpio Tankers, Inc. com Y7542C130 258 4,599 SH SOLE 0 258 0 0
Seagate Technology PLC F com G7997R103 417 1,766 SH SOLE 0 417 0 0
Shell plc com 780259305 1,656 23,145 SH SOLE 0 1,656 0 0
SM Energy Company com 78454L100 299 11,959 SH SOLE 0 299 0 0
Snap On Inc com 833034101 7,017 20,251 SH SOLE 0 7,017 0 0
SPDR Barclays Cap Interm Term Corp Bond ETF ETF 78464A375 7,061 208,339 SH SOLE 0 7,061 0 0
SPDR Gold Shares com 78463V107 273 768 SH SOLE 0 273 0 0
SPDR Nuveen S&P High Yield Muni Bond ETF ETF 78464A284 210 8,429 SH SOLE 0 210 0 0
SPDR Portfolio High Yield Bond ETF ETF 78468R606 1,730 72,281 SH SOLE 0 1,730 0 0
SPDR Portfolio Mortgage Backed Bond ETF ETF 78464A383 334 14,874 SH SOLE 0 334 0 0
SPDR S&P 500 ETF ETF 78462F103 15,901 23,869 SH SOLE 0 15,901 0 0
Sprouts Farmers Market com 85208M102 1,242 11,414 SH SOLE 0 1,242 0 0
State Street Corp com 857477103 441 3,804 SH SOLE 0 441 0 0
Steel Dynamics, Inc. com 858119100 5,021 36,014 SH SOLE 0 5,021 0 0
Stryker Corp com 863667101 567 1,534 SH SOLE 0 567 0 0
Suncor Energy Inc com 867224107 1,590 38,020 SH SOLE 0 1,590 0 0
Sylvamo Corporation com 871332102 1,405 31,779 SH SOLE 0 1,405 0 0
Synchrony Financial com 87165B103 4,061 57,153 SH SOLE 0 4,061 0 0
SYNNEX Corp. com 87162W100 6,048 36,931 SH SOLE 0 6,048 0 0
Sysco Corporation com 871829107 680 8,253 SH SOLE 0 680 0 0
T. Rowe Price Group, Inc. com 74144T108 428 4,172 SH SOLE 0 428 0 0
Taiwan Semiconductor Manufacturing Co. com 874039100 564 2,019 SH SOLE 0 564 0 0
Tapestry Inc com 876030107 2,587 22,851 SH SOLE 0 2,587 0 0
Target Corporation com 87612E106 3,032 33,807 SH SOLE 0 3,032 0 0
Taylor Morrison Home Corporation com 87724P106 3,070 46,514 SH SOLE 0 3,070 0 0
TE Connectivity Ltd. com G87052109 6,999 31,882 SH SOLE 0 6,999 0 0
TEGNA, Inc. com 87901J105 290 14,241 SH SOLE 0 290 0 0
Tenet Healthcare Corp com 88033G407 1,718 8,459 SH SOLE 0 1,718 0 0
Tesla Motors, Inc. com 88160R101 294 660 SH SOLE 0 294 0 0
Texas Instruments Inc com 882508104 4,669 25,413 SH SOLE 0 4,669 0 0
The Andersons Inc. com 034164103 263 6,616 SH SOLE 0 263 0 0
The E.W. Scripps Company com 811054402 84 34,000 SH SOLE 0 84 0 0
The Kraft Heinz Company com 500754106 3,050 117,126 SH SOLE 0 3,050 0 0
The Real Estate Select Sector SPDR Fund com 81369Y860 4,088 97,025 SH SOLE 0 4,088 0 0
Thermo Fisher Scientific Inc. com 883556102 2,387 4,921 SH SOLE 0 2,387 0 0
TJX Cos Inc com 872540109 2,402 16,619 SH SOLE 0 2,402 0 0
Toronto-Dominion Bank com 891160509 1,496 18,716 SH SOLE 0 1,496 0 0
Tortoise North American Pipeline Fund com 890930308 23,450 643,360 SH SOLE 0 23,450 0 0
TotalEnergies SE ADS 89151E109 2,056 34,451 SH SOLE 0 2,056 0 0
Toyota Motor Corporation ADR 892331307 7,450 38,988 SH SOLE 0 7,450 0 0
Trane Technologies plc com G8994E103 241 570 SH SOLE 0 241 0 0
Travel & Leisure Co. com 894164102 9,352 157,208 SH SOLE 0 9,352 0 0
Travelers Companies Inc com 89417E109 5,146 18,430 SH SOLE 0 5,146 0 0
Truist Financial Corp com 89832Q109 560 12,252 SH SOLE 0 560 0 0
Twenty-First Century Fox, Inc. Cl A com 35137L105 11,508 182,492 SH SOLE 0 11,508 0 0
Tyson Foods Inc com 902494103 700 12,898 SH SOLE 0 700 0 0
UGI Corporation New com 902681105 4,823 145,008 SH SOLE 0 4,823 0 0
Union Pacific com 907818108 2,993 12,661 SH SOLE 0 2,993 0 0
United Rentals, Inc. com 911363109 10,154 10,636 SH SOLE 0 10,154 0 0
UnitedHealth Group Inc. com 91324P102 1,469 4,255 SH SOLE 0 1,469 0 0
Universal Health Services Inc. com 913903100 503 2,462 SH SOLE 0 503 0 0
Unum Group com 91529Y106 9,766 125,559 SH SOLE 0 9,766 0 0
US Bancorp com 902973304 1,883 38,961 SH SOLE 0 1,883 0 0
Valaris Limited com G9460G101 211 4,325 SH SOLE 0 211 0 0
Valero Energy Corp New com 91913Y100 3,530 20,730 SH SOLE 0 3,530 0 0
VanEck Long Muni ETF ETF 92189F536 290 16,606 SH SOLE 0 290 0 0
VanEck Short High Yield Muni ETF ETF 92189F387 243 10,603 SH SOLE 0 243 0 0
VanEck Vectors Gold Miners ETF ETF 92189F106 726 9,506 SH SOLE 0 726 0 0
VanEck Vectors High-Yield Muni ETF ETF 92189H409 763 14,986 SH SOLE 0 763 0 0
VanEck Vectors Junior Gold Miners ETF ETF 92189F791 1,048 10,586 SH SOLE 0 1,048 0 0
Vanguard Dividend Appreciation ETF ETF 921908844 708 3,282 SH SOLE 0 708 0 0
Vanguard Emerging Markets Stock ETF ETF 922042858 2,157 39,821 SH SOLE 0 2,157 0 0
Vanguard FTSE Developed Markets ETF ETF 921943858 254 4,235 SH SOLE 0 254 0 0
Vanguard Interm-Tm Govt Bd Inx ETF ETF 92206C706 4,140 68,971 SH SOLE 0 4,140 0 0
Vanguard Mid Cap ETF ETF 922908629 225 765 SH SOLE 0 225 0 0
Vanguard Reit Index ETF ETF 922908553 24,898 272,352 SH SOLE 0 24,898 0 0
Vanguard Russell 1000 ETF ETF 92206C730 2,379 7,869 SH SOLE 0 2,379 0 0
Vanguard S&P 500 ETF ETF 922908363 757 1,236 SH SOLE 0 757 0 0
Vanguard Small Cap Value ETF ETF 922908611 3,145 15,069 SH SOLE 0 3,145 0 0
Vanguard Tax-Exempt Bond Index ETF ETF 922907746 15,275 305,074 SH SOLE 0 15,275 0 0
Vanguard Total Bond Market ETF ETF 921937835 17,596 236,595 SH SOLE 0 17,596 0 0
Vanguard Total Stock Market ETF ETF 922908769 923 2,813 SH SOLE 0 923 0 0
Vanguard Value ETF ETF 922908744 1,264 6,780 SH SOLE 0 1,264 0 0
VeriSign, Inc. com 92343E102 4,194 15,001 SH SOLE 0 4,194 0 0
Verizon Communications com 92343V104 6,228 141,709 SH SOLE 0 6,228 0 0
Viatris Inc com 92556V106 343 34,598 SH SOLE 0 343 0 0
Visa, Inc. com 92826C839 8,703 25,493 SH SOLE 0 8,703 0 0
Vishay Intertechnology Inc. com 928298108 620 40,511 SH SOLE 0 620 0 0
Vontier Corp com 928881101 5,497 130,985 SH SOLE 0 5,497 0 0
W.W. Grainger, Inc. com 384802104 277 291 SH SOLE 0 277 0 0
Wal-Mart Stores Inc com 931142103 7,924 76,883 SH SOLE 0 7,924 0 0
Warrior Met Coal, Inc. com 93627C101 683 10,733 SH SOLE 0 683 0 0
Wells Fargo & Company com 949746101 282 3,362 SH SOLE 0 282 0 0
Wesco International Inc com 95082P105 448 2,117 SH SOLE 0 448 0 0
Williams Sonoma com 969904101 2,098 10,734 SH SOLE 0 2,098 0 0
Xtrackers Muni Infra Rev Bond ETF ETF 233051705 222 8,979 SH SOLE 0 222 0 0
Zimmer Biomet Holdings, Inc. com 98956P102 342 3,467 SH SOLE 0 342 0 0