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
APPLIED MATERIALS INC COM USD0.01 COM 038222105 25,675,333 34,994 SH SOLE 34,994 0 0
ALPHABET INC CAP STK CL A CAP STK CL A 02079K305 11,267,871 31,058 SH SOLE 31,058 0 0
SPDR INDEX SHARES FUNDS STATE STREET SPDR MSCI EAFE STRATEGICFACTORS ETF ST STR MSCI EAFE 78463X434 10,654,692 109,830 SH SOLE 109,830 0 0
BERKSHIRE HATHAWAY INC COM USD0.0033 CLASS B CL B NEW 084670702 8,591,881 17,170 SH SOLE 17,170 0 0
ISHARES TR 10-20 YR TRS ETF 10-20 YR TRS ETF 464288653 8,453,952 84,245 SH SOLE 84,245 0 0
ROSS STORES INC COM 778296103 8,102,963 37,575 SH SOLE 37,575 0 0
WISDOMTREE TR EM EX ST-OWNED EM EX ST-OWNED 97717X578 8,102,632 164,755 SH SOLE 164,755 0 0
JPMORGAN CHASE &CO. COM COM 46625H100 7,641,006 23,343 SH SOLE 23,343 0 0
ARISTA NETWORKS INC COM SHS COM SHS 040413205 7,612,202 44,215 SH SOLE 44,215 0 0
AMAZON.COM INC COM 023135106 7,173,001 30,096 SH SOLE 30,096 0 0
APPLE INC COM 037833100 7,067,423 24,424 SH SOLE 24,424 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 6,895,946 13,754 SH SOLE 13,754 0 0
FIDELITY SML MID MLTFCT SML MID MLTFCT 316092527 6,704,230 126,854 SH SOLE 126,854 0 0
FORTINET INC COM USD0.001 COM 34959E109 6,693,341 43,571 SH SOLE 43,571 0 0
CHECK POINT SOFTWARE TECHNOLOGIES LTD ORD M22465104 6,635,467 50,487 SH SOLE 50,487 0 0
MICROSOFT CORP COM 594918104 6,309,064 16,913 SH SOLE 16,913 0 0
HUNTINGTON BANCSHARES INC COM USD0.01 COM 446150104 6,282,393 354,337 SH SOLE 354,337 0 0
WASTE MANAGEMENT INC COM 94106L109 5,856,965 26,279 SH SOLE 26,279 0 0
VANGUARD CHARLOTTE FDS TOTAL INTL BD ETF TOTAL INT BD ETF 92203J407 5,503,773 113,644 SH SOLE 113,644 0 0
DBX ETF TR XTRACK MUN INFRA XTRACK MUN INFRA 233051705 5,328,703 210,537 SH SOLE 210,537 0 0
NETFLIX INC COM 64110L106 5,158,192 72,244 SH SOLE 72,244 0 0
VERISK ANALYTICS INC COM COM 92345Y106 5,016,607 27,943 SH SOLE 27,943 0 0
ADOBE INC COM COM 00724F101 4,960,869 24,197 SH SOLE 24,197 0 0
ULTA BEAUTY INC COM COM 90384S303 4,955,080 10,987 SH SOLE 10,987 0 0
TARGET CORP COM 87612E106 4,612,965 35,319 SH SOLE 35,319 0 0
PARKER-HANNIFIN CORP COM COM 701094104 4,382,527 4,481 SH SOLE 4,481 0 0
HCA HEALTHCARE INC COM COM 40412C101 4,297,169 11,021 SH SOLE 11,021 0 0
PROLOGIS INC. COM COM 74340W103 4,136,427 30,534 SH SOLE 30,534 0 0
EOG RESOURCES INC COM 26875P101 3,894,747 30,022 SH SOLE 30,022 0 0
NEW YORK LIFE INVTS ACTIVE ETF MACKAY MUN INTER MACKAY MUN INTER 45409F827 3,836,917 157,574 SH SOLE 157,574 0 0
ISHARES TR IBONDS 27 ETF IBONDS 27 ETF 46435UAA9 3,798,245 156,823 SH SOLE 156,823 0 0
ISHARES TR IBDS DEC28 ETF IBDS DEC28 ETF 46435U515 3,783,918 149,858 SH SOLE 149,858 0 0
ISHARES TR IBONDS DEC 2026 TERM CORP ETF IBONDS DEC2026 46435GAA0 3,779,098 155,968 SH SOLE 155,968 0 0
ISHARES TRUST MSCI EUROPE FINANCIALS ISIN #US4642891802 SEDOL #B633900 MSCI EURO FL ETF 464289180 3,744,589 96,040 SH SOLE 96,040 0 0
ISHARES TR IBONDS DEC 2032 IBONDS DEC 2032 46436E312 3,663,968 145,453 SH SOLE 145,453 0 0
ZOETIS INC CL A 98978V103 3,663,622 50,983 SH SOLE 50,983 0 0
ISHARES TRUST IBONDS DEC 2033 TERM CORPORATE ETF USD IBONDS DEC 2033 46436E130 3,658,855 142,119 SH SOLE 142,119 0 0
AT&T INC COM USD1 COM 00206R102 3,129,382 151,178 SH SOLE 151,178 0 0
ISHARES TR 7-10 YR TRSY BD 7-10 YR TRSY BD 464287440 2,900,556 30,671 SH SOLE 30,671 0 0
INTUIT INC COM 461202103 2,573,713 9,861 SH SOLE 9,861 0 0
HF SINCLAIR CORP COM COM 403949100 2,345,934 33,682 SH SOLE 33,682 0 0
KINDER MORGAN INC COM USD0.01 COM 49456B101 2,159,702 67,554 SH SOLE 67,554 0 0
VANECK ETF TRUST JP MRGAN EM LOC JP MRGAN EM LOC 92189H300 1,818,654 71,152 SH SOLE 71,152 0 0
ISHARES TR IBONDS DEC 26 IBONDS DEC 26 46435U259 1,335,317 52,079 SH SOLE 52,079 0 0
ISHARES TRUST IBONDS DEC 2027 TERM MUNI BOND ETF IBONDS DEC 27 46435U283 1,322,169 52,013 SH SOLE 52,013 0 0
ISHARES TR IBONDS DEC 28 IBONDS DEC 28 46435U325 1,320,688 51,630 SH SOLE 51,630 0 0
ISHARES TR EXPANDED TECH EXPANDED TECH 464287515 1,173,957 12,958 SH SOLE 12,958 0 0
FIDELITY ENHANCED MID CAP ETF ENH MID COR ETF 31609A503 1,134,008 27,945 SH SOLE 27,945 0 0
FIDELITY ENHANCED INTERNATIONAL ETF ENHANCED INTL 31609A404 1,035,314 25,799 SH SOLE 25,799 0 0
ISHARES S&P 500 GROWTH ETF S&P 500 GRWT ETF 464287309 927,296 6,742 SH SOLE 6,742 0 0
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408 697,074 3,070 SH SOLE 3,070 0 0
ISHARES TR ESG AWRE USD ETF ESG AWRE USD ETF 46435G193 580,984 25,095 SH SOLE 25,095 0 0
ADVANCED MICRO DEVICES INC COM 007903107 532,694 917 SH SOLE 917 0 0
ISHARES TR ESG AWRE 1 5 YR ESG AWRE 1 5 YR 46435G243 504,198 20,176 SH SOLE 20,176 0 0
PALO ALTO NETWORKS INC COM USD0.0001 COM 697435105 492,092 1,443 SH SOLE 1,443 0 0
ISHARES TR S&P SMALL CAP 600 GROWTH ETF S&P SML 600 GWT 464287887 368,343 2,062 SH SOLE 2,062 0 0
CORNING INC COM 219350105 367,369 1,438 SH SOLE 1,438 0 0
NVIDIA CORPORATION COM COM 67066G104 354,223 1,770 SH SOLE 1,770 0 0
VANGUARD INTL EQUITY INDEX FDS FTSE EMR MKT ETF FTSE EMR MKT ETF 922042858 332,235 5,566 SH SOLE 5,566 0 0
AMGEN INC COM 031162100 284,161 785 SH SOLE 785 0 0
RTX CORPORATION COM USD1.00 COM 75513E101 279,019 1,471 SH SOLE 1,471 0 0
ABBVIE INC COM USD0.01 COM 00287Y109 265,458 1,055 SH SOLE 1,055 0 0
INTERNATIONAL BUS MACH CORP COM USD0.20 COM 459200101 245,215 872 SH SOLE 872 0 0
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 216,510 289 SH SOLE 289 0 0
TRANE TECHNOLOGIES PLC COM USD1 SHS G8994E103 212,672 433 SH SOLE 433 0 0
ISHARES INC ESG AWR MSCI EM ESG AWR MSCI EM 46434G863 208,094 3,805 SH SOLE 3,805 0 0
ONEOK INC COM USD0.01 COM 682680103 200,114 2,302 SH SOLE 2,302 0 0
MERCK &CO. INC COM COM 58933Y105 193,193 1,503 SH SOLE 1,503 0 0
VISA INC COM CL A 92826C839 178,553 520 SH SOLE 520 0 0
SALESFORCE INC COM COM 79466L302 176,498 1,127 SH SOLE 1,127 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF US EQTY PWR BUF 45782C508 175,541 3,547 SH SOLE 3,547 0 0
NEXTERA ENERGY INC COM USD0.01 COM 65339F101 174,756 1,991 SH SOLE 1,991 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP NUVEEN ESG SMLCP 67092P607 171,534 3,291 SH SOLE 3,291 0 0
VERISIGN INC COM 92343E102 166,855 663 SH SOLE 663 0 0
VANGUARD INDEX FDS VANGUARD TOTAL STK MKT ETF TOTAL STK MKT 922908769 164,726 445 SH SOLE 445 0 0
SPROTT PHYSICAL GOLD TRUST UNIT ISIN #CA85207H1047 SEDOL #BYVW239 PHYSICAL GOLD TR 85207H104 162,918 5,400 SH SOLE 5,400 0 0
ISHARES TR RUS 1000 GRW ETF RUS 1000 GRW ETF 464287614 155,461 1,252 SH SOLE 1,252 0 0
ISHARES S&P SMALL-CAP 600 VALUE ETF SP SMCP600VL ETF 464287879 155,268 1,136 SH SOLE 1,136 0 0
CHURCH &DWIGHT CO INC COM COM 171340102 151,039 1,559 SH SOLE 1,559 0 0
PPG INDUSTRIES INC COM USD1.666 COM 693506107 136,760 1,128 SH SOLE 1,128 0 0
PAYCHEX INC COM USD0.01 COM 704326107 135,391 1,377 SH SOLE 1,377 0 0
CINTAS CORP COM 172908105 132,595 780 SH SOLE 780 0 0
COPART INC COM USD0.0001 COM 217204106 125,135 4,439 SH SOLE 4,439 0 0
ISHARES S&P MID-CAP 400 GROWTH ETF S&P MC 400GR ETF 464287606 121,069 1,030 SH SOLE 1,030 0 0
CATERPILLAR INC COM COM 149123101 110,750 104 SH SOLE 104 0 0
ASSURED GUARANTY LTD COM USD0.01 COM G0585R106 109,980 1,372 SH SOLE 1,372 0 0
ALPHABET INC CAP STK CL C CAP STK CL C 02079K107 105,999 300 SH SOLE 300 0 0
EXXON MOBIL CORP COM COM 30231G102 105,274 770 SH SOLE 770 0 0
GARTNER INC COM USD0.0005 COM 366651107 100,974 779 SH SOLE 779 0 0