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
AB ACTIVE ETFS INC INTL LOW VOLATLT 00039J822 1,525,308 35,755 SH SOLE 35,755 0 0
ABBOTT LABORATORIES COM 002824100 282,589 2,752 SH SOLE 2,752 0 0
ABBVIE INC COM 00287Y109 986,059 4,534 SH SOLE 4,534 0 0
ADAMS DIVERSIFIED EQUITY FD COM 006212104 843,028 38,512 SH SOLE 38,512 0 0
ADVANCED MICRO DEVICES INC COM 007903107 689,424 3,389 SH SOLE 3,389 0 0
ALPHABET INC CAP STK CL A 02079K305 1,340,859 4,663 SH SOLE 4,663 0 0
ALPHABET INC CAP STK CL C 02079K107 3,310,916 11,542 SH SOLE 11,542 0 0
AMAZON COM INC COM 023135106 4,825,510 23,169 SH SOLE 23,169 0 0
AMEREN CORP COM 023608102 725,362 6,599 SH SOLE 6,599 0 0
AMERICAN ELEC PWR CO INC COM 025537101 213,300 1,627 SH SOLE 1,627 0 0
AMERICAN EXPRESS CO COM 025816109 3,203,849 10,592 SH SOLE 10,592 0 0
AMETEK INC COM 031100100 1,234,809 5,760 SH SOLE 5,760 0 0
ANALOG DEVICES INC COM 032654105 319,354 1,004 SH SOLE 1,004 0 0
APPLE INC COM 037833100 6,386,162 25,163 SH SOLE 25,163 0 0
ARCH CAP GROUP LTD ORD G0450A105 297,185 3,096 SH SOLE 3,096 0 0
ASML HLDG NV N Y REGISTRY SHS N07059210 367,191 278 SH SOLE 278 0 0
AT&T INC COM 00206R102 318,683 10,993 SH SOLE 10,993 0 0
BANK AMERICA CORP COM 060505104 1,003,527 20,585 SH SOLE 20,585 0 0
BANK OF THE JAMES FINL GP IN COM 470299108 233,683 11,344 SH SOLE 11,344 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,567,255 9,531 SH SOLE 9,531 0 0
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603 9,766,151 188,064 SH SOLE 188,064 0 0
BLACKROCK ETF TRUST II ISHARES TOTAL RE 092528876 11,063,040 220,423 SH SOLE 220,423 0 0
BLACKROCK INC COM 09290D101 634,629 660 SH SOLE 660 0 0
BP PLC SPONSORED ADR 055622104 2,418,902 51,466 SH SOLE 51,466 0 0
BROADCOM INC COM 11135F101 4,494,338 14,521 SH SOLE 14,521 0 0
CANADIAN NATL RY CO COM 136375102 209,034 2,034 SH SOLE 2,034 0 0
CAPITAL GRP FIXED INCM ETF T MUNICIPAL INCOME 14020Y201 725,363 26,717 SH SOLE 26,717 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 483,286 8,583 SH SOLE 8,583 0 0
CATERPILLAR INC COM 149123101 6,863,179 9,687 SH SOLE 9,687 0 0
CHEVRON CORPORATION COM 166764100 1,357,663 6,562 SH SOLE 6,562 0 0
CHUBB LTD SWITZ COM H1467J104 361,327 1,109 SH SOLE 1,109 0 0
CHURCHILL DOWNS INC COM 171484108 592,171 6,592 SH SOLE 6,592 0 0
CISCO SYS INC COM 17275R102 335,143 4,319 SH SOLE 4,319 0 0
CITIGROUP INC COM NEW 172967424 325,013 2,866 SH SOLE 2,866 0 0
CITIZENS CMNTY BANCORP INC M COM 174903104 2,052,907 103,682 SH SOLE 103,682 0 0
COCA COLA CO COM 191216100 7,929,403 104,266 SH SOLE 104,266 0 0
COHEN & STEERS ETF TRUST REAL ESTATE ACTI 19249U104 4,440,909 168,984 SH SOLE 168,984 0 0
COLGATE PALMOLIVE CO COM 194162103 272,442 3,197 SH SOLE 3,197 0 0
CONOCOPHILLIPS COM 20825C104 268,933 2,037 SH SOLE 2,037 0 0
CORNING INC COM 219350105 253,720 1,866 SH SOLE 1,866 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 420,158 422 SH SOLE 422 0 0
CRH PLC ORD G25508105 934,096 8,886 SH SOLE 8,886 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105 302,568 775 SH SOLE 775 0 0
CUMMINS INC COM 231021106 1,419,815 2,639 SH SOLE 2,639 0 0
DANAHER CORP DEL COM 235851102 246,800 1,302 SH SOLE 1,302 0 0
DARDEN RESTAURANTS INC COM 237194105 328,955 1,678 SH SOLE 1,678 0 0
DEERE & CO COM 244199105 614,607 1,091 SH SOLE 1,091 0 0
DISNEY WALT CO COM 254687106 440,013 4,565 SH SOLE 4,565 0 0
DOMINION ENERGY INC COM 25746U109 336,294 5,440 SH SOLE 5,440 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 328,395 2,508 SH SOLE 2,508 0 0
EATON CORP PLC SHS G29183103 4,119,285 11,517 SH SOLE 11,517 0 0
EDISON INTL COM 281020107 353,240 4,827 SH SOLE 4,827 0 0
ELI LILLY & CO COM 532457108 853,303 928 SH SOLE 928 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 220,153 5,818 SH SOLE 5,818 0 0
EXXON MOBIL CORP COM 30231G102 3,977,862 23,446 SH SOLE 23,446 0 0
FASTENAL CO COM 311900104 361,920 7,800 SH SOLE 7,800 0 0
FIDELITY COVINGTON TRUST FUNDAMENTAL LARG 316092360 7,107,730 138,593 SH SOLE 138,593 0 0
FIDELITY COVINGTON TRUST HIGH DIVID ETF 316092840 3,277,476 59,332 SH SOLE 59,332 0 0
FIFTH THIRD BANCORP COM 316773100 401,503 8,642 SH SOLE 8,642 0 0
FIRST TR EXCHANGE TRADED FD RISNG DIVD ACHIV 33738R506 5,393,510 78,991 SH SOLE 78,991 0 0
FIRST TR EXCHANGE-TRADED FD NASDQ CLN EDGE 33737A108 1,897,080 11,597 SH SOLE 11,597 0 0
FIRST TR EXCHANGE-TRADED FD SHS 336917109 1,061,119 20,888 SH SOLE 20,888 0 0
FIRST TR EXCHANGE-TRADED FD WTR ETF 33733B100 2,453,463 23,790 SH SOLE 23,790 0 0
FORD MTR CO COM 345370860 163,084 14,132 SH SOLE 14,132 0 0
GABELLI EQUITY TR INC COM 362397101 80,430 14,363 SH SOLE 14,363 0 0
GABELLI EQUITY TR INC RIGHT 04/14/2026 362397226 100 14,270 SH SOLE 14,270 0 0
GE AEROSPACE COM NEW 369604301 359,608 1,267 SH SOLE 1,267 0 0
GE VERNOVA INC COM 36828A101 301,161 345 SH SOLE 345 0 0
GENERAC HLDGS INC COM 368736104 213,886 1,095 SH SOLE 1,095 0 0
GENERAL DYNAMICS CORP COM 369550108 943,489 2,749 SH SOLE 2,749 0 0
HAWAIIAN ELEC INDS INC MTN B COM 419870100 588,020 39,624 SH SOLE 39,624 0 0
HINGHAM INSTN SVGS MASS COM 433323102 857,851 3,001 SH SOLE 3,001 0 0
HOME DEPOT INC COM 437076102 1,144,134 3,479 SH SOLE 3,479 0 0
HONEYWELL INTL INC COM 438516106 1,987,969 8,795 SH SOLE 8,795 0 0
HOWMET AEROSPACE INC COM 443201108 351,321 1,524 SH SOLE 1,524 0 0
HUBBELL INC COM 443510607 201,223 410 SH SOLE 410 0 0
ILLINOIS TOOL WKS INC COM 452308109 571,619 2,196 SH SOLE 2,196 0 0
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698 1,167,571 10,161 SH SOLE 10,161 0 0
INVESCO EXCH TRD SLF IDX FD RAFI STRATGIC US 46138J742 1,196,034 20,652 SH SOLE 20,652 0 0
INVESCO EXCHANGE TRADED FD T AI AND NEXT GEN 46137V639 684,413 11,787 SH SOLE 11,787 0 0
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142 335,996 5,025 SH SOLE 5,025 0 0
ISHARES GOLD TR ISHARES NEW 464285204 2,505,155 28,416 SH SOLE 28,416 0 0
ISHARES TR 0-3 MNTH TREASRY 46436E718 404,459 4,018 SH SOLE 4,018 0 0
ISHARES TR CORE DIV GRWTH 46434V621 638,212 9,094 SH SOLE 9,094 0 0
ISHARES TR CORE DIVID ETF 46435U861 358,341 6,642 SH SOLE 6,642 0 0
ISHARES TR CORE S&P MCP ETF 464287507 13,098,985 193,973 SH SOLE 193,973 0 0
ISHARES TR CORE S&P US GWT 464287671 1,945,637 12,544 SH SOLE 12,544 0 0
ISHARES TR CORE S&P500 ETF 464287200 42,461,416 65,004 SH SOLE 65,004 0 0
ISHARES TR EXPANDED TECH 464287515 457,806 5,719 SH SOLE 5,719 0 0
ISHARES TR EXPND TEC SC ETF 464287549 1,059,579 8,941 SH SOLE 8,941 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 345,874 6,581 SH SOLE 6,581 0 0
ISHARES TR RUS 1000 ETF 464287622 241,376 677 SH SOLE 677 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 915,231 2,146 SH SOLE 2,146 0 0
ISHARES TR RUS MID CAP ETF 464287499 2,953,735 30,379 SH SOLE 30,379 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 1,451,960 3,917 SH SOLE 3,917 0 0
JOBY AVIATION INC COMMON STOCK G65163100 159,418 19,300 SH SOLE 19,300 0 0
JOHNSON & JOHNSON COM 478160104 1,114,091 4,558 SH SOLE 4,558 0 0
JOHNSON CONTROLS INTERNATION SHS G51502105 368,755 2,816 SH SOLE 2,816 0 0
JPMORGAN CHASE & CO COM 46625H100 2,445,599 8,314 SH SOLE 8,314 0 0
KINDER MORGAN INC DEL COM 49456B101 214,601 6,400 SH SOLE 6,400 0 0
LINDE PLC SHS G54950103 1,851,292 3,734 SH SOLE 3,734 0 0
LOCKHEED MARTIN CORP COM 539830109 828,188 1,370 SH SOLE 1,370 0 0
MARRIOTT INTL INC NEW CL A 571903202 493,558 1,509 SH SOLE 1,509 0 0
MASTERCARD INCORPORATED CL A 57636Q104 247,622 496 SH SOLE 496 0 0
MCCORMICK & CO INC COM NON VTG 579780206 209,578 4,155 SH SOLE 4,155 0 0
MCDONALDS CORP COM 580135101 331,162 1,066 SH SOLE 1,066 0 0
MEDLINE INC COM CL A 58507V107 564,705 12,690 SH SOLE 12,690 0 0
MERCK & CO INC COM 58933Y105 843,925 7,016 SH SOLE 7,016 0 0
META PLATFORMS INC CL A 30303M102 237,702 415 SH SOLE 415 0 0
MICROSOFT CORP COM 594918104 7,424,498 20,057 SH SOLE 20,057 0 0
NETFLIX INC. COM 64110L106 1,898,008 19,740 SH SOLE 19,740 0 0
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUN 45409F827 713,263 29,590 SH SOLE 29,590 0 0
NEXTERA ENERGY INC COM 65339F101 608,371 6,550 SH SOLE 6,550 0 0
NIKE INC CL B 654106103 364,649 6,904 SH SOLE 6,904 0 0
NORFOLK SOUTHN CORP COM 655844108 530,031 1,847 SH SOLE 1,847 0 0
NORTHROP GRUMMAN CORP COM 666807102 389,788 571 SH SOLE 571 0 0
NUTRIEN LTD COM 67077M108 244,490 3,240 SH SOLE 3,240 0 0
NVENT ELEC PLC SHS G6700G107 257,304 2,175 SH SOLE 2,175 0 0
NVIDIA CORPORATION COM 67066G104 2,522,361 14,463 SH SOLE 14,463 0 0
ONEOK INC NEW COM 682680103 227,331 2,515 SH SOLE 2,515 0 0
ORACLE CORP COM 68389X105 660,899 4,493 SH SOLE 4,493 0 0
PACCAR INC COM 693718108 1,173,616 10,161 SH SOLE 10,161 0 0
PARKER-HANNIFIN CORP COM 701094104 2,070,965 2,313 SH SOLE 2,313 0 0
PEPSICO INC COM 713448108 276,971 1,784 SH SOLE 1,784 0 0
PFIZER INC COM 717081103 544,146 19,378 SH SOLE 19,378 0 0
PGIM ETF TR ACTV HY BD ETF 69344A206 1,956,393 56,494 SH SOLE 56,494 0 0
PGIM ETF TR TOTAL RETURN BON 69344A800 11,130,192 268,133 SH SOLE 268,133 0 0
PRINCIPAL EXCHANGE TRADED FD PRIN U S SMALL 74255Y607 8,009,816 139,728 SH SOLE 139,728 0 0
PRINCIPAL FINANCIAL GROUP IN COM 74251V102 240,945 2,674 SH SOLE 2,674 0 0
PROCTER & GAMBLE CO COM 742718109 955,671 6,616 SH SOLE 6,616 0 0
PROLOGIS INC. COM 74340W103 441,789 3,342 SH SOLE 3,342 0 0
QUANTA SVCS INC COM 74762E102 842,887 1,535 SH SOLE 1,535 0 0
QUANTUM COMPUTING INC COM 74766W108 100,606 14,687 SH SOLE 14,687 0 0
RAYMOND JAMES FINL INC COM 754730109 1,062,552 7,339 SH SOLE 7,339 0 0
REPUBLIC SVCS INC COM 760759100 363,697 1,661 SH SOLE 1,661 0 0
ROYAL CARIBBEAN GROUP COM V7780T103 459,551 1,670 SH SOLE 1,670 0 0
RTX CORPORATION COM 75513E101 1,764,143 9,145 SH SOLE 9,145 0 0
RUSH STREET INTERACTIVE INC COM 782011100 276,225 12,700 SH SOLE 12,700 0 0
RYMAN HOSPITALITY PPTYS INC COM 78377T107 448,278 4,858 SH SOLE 4,858 0 0
SCHWAB CHARLES CORP COM 808513105 1,910,544 20,329 SH SOLE 20,329 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 12,377,115 375,633 SH SOLE 375,633 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 4,365,458 156,749 SH SOLE 156,749 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 4,676,210 160,529 SH SOLE 160,529 0 0
SHELL PLC SPON ADS 780259305 2,060,694 22,158 SH SOLE 22,158 0 0
SHERWIN WILLIAMS CO COM 824348106 419,852 1,310 SH SOLE 1,310 0 0
SOUTHERN CO COM 842587107 375,347 3,889 SH SOLE 3,889 0 0
SPDR GOLD TR GOLD SHS 78463V107 318,415 740 SH SOLE 740 0 0
SPDR INDEX SHS FDS STATE STREET SPD 78463X533 474,006 12,006 SH SOLE 12,006 0 0
SPDR INDEX SHS FDS STATE STREET SPD 78463X889 29,033,413 636,000 SH SOLE 636,000 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A508 5,607,012 99,099 SH SOLE 99,099 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A128 11,517,377 53,575 SH SOLE 53,575 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A763 231,900 1,589 SH SOLE 1,589 0 0
SPDR SERIES TRUST STATE STREET SPD 78468R804 986,357 5,538 SH SOLE 5,538 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A474 410,351 13,647 SH SOLE 13,647 0 0
SSGA ACTIVE ETF TR STATE STREET MUL 78467V103 9,878,716 273,270 SH SOLE 273,270 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,476,872 2,271 SH SOLE 2,271 0 0
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 1,108,269 1,797 SH SOLE 1,797 0 0
TESLA INC COM 88160R101 519,335 1,397 SH SOLE 1,397 0 0
TEXAS INSTRS INC COM 882508104 953,551 4,912 SH SOLE 4,912 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 212,972 433 SH SOLE 433 0 0
TJX COS INC NEW COM 872540109 1,565,305 9,802 SH SOLE 9,802 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 3,055,538 7,332 SH SOLE 7,332 0 0
TRAVELERS COMPANIES INC COM 89417E109 1,314,298 4,506 SH SOLE 4,506 0 0
UNITED PARCEL SVCS INC CL B 911312106 216,747 2,203 SH SOLE 2,203 0 0
VALMONT INDS INC COM 920253101 300,051 751 SH SOLE 751 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 368,275 961 SH SOLE 961 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 409,995 686 SH SOLE 686 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 298,959 1,376 SH SOLE 1,376 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 2,089,721 41,836 SH SOLE 41,836 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 566,441 7,146 SH SOLE 7,146 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 1,185,545 10,808 SH SOLE 10,808 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 689,340 3,205 SH SOLE 3,205 0 0
VANGUARD WORLD FD FINANCIALS ETF 92204A405 273,212 2,262 SH SOLE 2,262 0 0
VERTIV HOLDINGS CO COM CL A 92537N108 1,081,728 4,317 SH SOLE 4,317 0 0
VISA INC COM CL A 92826C839 2,557,868 8,463 SH SOLE 8,463 0 0
WALMART INC COM 931142103 552,287 4,444 SH SOLE 4,444 0 0
WASTE MGMT INC DEL COM 94106L109 806,487 3,510 SH SOLE 3,510 0 0
WATERBRIDGE INFRASTRUCTURE L CL A SHS REPSTG 940923105 201,178 7,509 SH SOLE 7,509 0 0
WELLTOWER INC COM 95040Q104 1,602,867 8,107 SH SOLE 8,107 0 0
WP CAREY INC COM 92936U109 346,920 5,105 SH SOLE 5,105 0 0