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
ABBOTT LABORATORIES COM 002824100 327,844 3,613 SH SOLE 0 0 0 3,613
ABBVIE INC COM 00287Y109 593,407 2,358 SH SOLE 0 0 0 2,358
ADVANCED MICRO DEVICES INC COM 007903107 1,111,281 1,913 SH SOLE 0 0 0 1,913
ALLY FINL INC COM 02005N100 1,243,195 27,055 SH SOLE 0 0 0 27,055
ALPHABET INC CAP STK CL C 02079K107 871,312 2,466 SH SOLE 0 0 0 2,466
ALPHABET INC CAP STK CL A 02079K305 9,337,403 26,128 SH SOLE 0 0 0 26,128
ALPHABET INC CAP STK CL C 02079K107 353,330 1,000 SH Put SOLE 0 0 0 1,000
AMAZON COM INC COM 023135106 7,288,676 30,581 SH SOLE 0 0 0 30,581
AMERICAN EXPRESS CO COM 025816109 204,651 605 SH SOLE 0 0 0 605
AMGEN INC COM 031162100 7,066,443 19,514 SH SOLE 0 0 0 19,514
AMPHENOL CORP CL A 032095101 272,421 1,545 SH SOLE 0 0 0 1,545
ANALOG DEVICES INC COM 032654105 249,423 628 SH SOLE 0 0 0 628
APPLE INC COM 037833100 13,075,375 45,187 SH SOLE 0 0 0 45,187
APPLE INC COM 037833100 202,552 700 SH Put SOLE 0 0 0 700
APPLIED MATLS INC COM 038222105 661,559 915 SH SOLE 0 0 0 915
ARES CAPITAL CORP COM 04010L103 720,854 38,902 SH SOLE 0 0 0 38,902
ARISTA NETWORKS INC COM SHS 040413205 206,914 1,218 SH SOLE 0 0 0 1,218
ASML HLDG NV N Y REGISTRY SHS N07059210 270,578 136 SH SOLE 0 0 0 136
AT&T INC COM 00206R102 662,482 32,004 SH SOLE 0 0 0 32,004
AUTOMATIC DATA PROCESSING IN COM 053015103 310,395 1,386 SH SOLE 0 0 0 1,386
BANK OF AMER CORP COM 060505104 363,841 6,385 SH SOLE 0 0 0 6,385
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 986,769 1,972 SH SOLE 0 0 0 1,972
BEST BUY INC COM 086516101 5,194,972 68,463 SH SOLE 0 0 0 68,463
BLACKROCK INC COM 09290D101 266,352 277 SH SOLE 0 0 0 277
BOEING CO COM 097023105 214,738 992 SH SOLE 0 0 0 992
BONDBLOXX ETF TRUST BLOOMBERG SIX MN 09789C788 1,093,069 21,731 SH SOLE 0 0 0 21,731
BROADCOM INC COM 11135F101 4,775,942 12,643 SH SOLE 0 0 0 12,643
BXP INC COM 101121101 5,521,700 83,271 SH SOLE 0 0 0 83,271
CANADIAN IMPERIAL BANK OF CO COM 136069101 8,524,490 74,126 SH SOLE 0 0 0 74,126
CARETRUST REIT INC COM 14174T107 1,359,795 33,700 SH SOLE 0 0 0 33,700
CATERPILLAR INC COM 149123101 2,768,740 2,600 SH Put SOLE 0 0 0 2,600
CATERPILLAR INC COM 149123101 3,336,344 3,133 SH SOLE 0 0 0 3,133
CELESTICA INC COM 15101Q207 5,009,798 13,733 SH SOLE 0 0 0 13,733
CF INDUSTRIES HOLD COM 125269100 4,997,715 46,164 SH SOLE 0 0 0 46,164
CHEVRON CORPORATION COM 166764100 225,952 1,363 SH SOLE 0 0 0 1,363
CISCO SYS INC COM 17275R102 10,000,067 85,136 SH SOLE 0 0 0 85,136
CITIGROUP INC COM NEW 172967424 275,486 1,968 SH SOLE 0 0 0 1,968
CMS ENERGY CORP COM 125896100 6,952,703 90,885 SH SOLE 0 0 0 90,885
COCA COLA CO COM 191216100 407,036 5,008 SH SOLE 0 0 0 5,008
COMCAST CORP NEW CL A 20030N101 2,771,130 112,877 SH SOLE 0 0 0 112,877
CORNING INC COM 219350105 587,489 2,300 SH Put SOLE 0 0 0 2,300
CORNING INC COM 219350105 1,250,074 4,894 SH SOLE 0 0 0 4,894
COSTCO WHOLESALE CORPORATION COM 22160K105 504,224 539 SH SOLE 0 0 0 539
CROWDSTRIKE HLDGS INC CL A 22788C105 225,126 295 SH SOLE 0 0 0 295
CUMMINS INC COM 231021106 10,604,719 14,869 SH SOLE 0 0 0 14,869
CVS HEALTH CORP COM 126650100 8,627,343 83,396 SH SOLE 0 0 0 83,396
DBX ETF TR XTRACK MSCI EAFE 233051200 8,334,723 152,567 SH SOLE 0 0 0 152,567
DHT HOLDINGS INC SHS NEW Y2065G121 1,314,185 79,503 SH SOLE 0 0 0 79,503
DIGITALOCEAN HLDGS INC COM 25402D102 9,997,786 63,668 SH SOLE 0 0 0 63,668
DUKE ENERGY CORP NEW COM NEW 26441C204 6,513,942 51,461 SH SOLE 0 0 0 51,461
EASTMAN CHEM CO COM 277432100 5,341,186 79,743 SH SOLE 0 0 0 79,743
EATON CORP PLC SHS G29183103 204,122 479 SH SOLE 0 0 0 479
ELI LILLY & CO COM 532457108 1,002,741 836 SH SOLE 0 0 0 836
ESSENTIAL UTILS INC COM 29670G102 6,576,831 171,674 SH SOLE 0 0 0 171,674
EXXON MOBIL CORP COM 30231G102 2,263,590 16,556 SH SOLE 0 0 0 16,556
FIRST AMERN FINL CORP COM 31847R102 7,026,291 102,439 SH SOLE 0 0 0 102,439
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 655,908 12,769 SH SOLE 0 0 0 12,769
FIRST TR EXCHANGE TRADED FD NASDQ SEMCNDTR 33738R811 14,452,379 50,719 SH SOLE 0 0 0 50,719
FIRST TR EXCHANGE TRADED FD NASDAQ TRANSN 33738R795 11,350,080 249,056 SH SOLE 0 0 0 249,056
FIRST TR EXCHANGE-TRADED FD NY ARCA BIOTECH 33733E203 12,155,782 49,037 SH SOLE 0 0 0 49,037
FIRST TR EXCHANGE-TRADED FD INDXX AEROSPACE 33733E831 10,021,982 218,964 SH SOLE 0 0 0 218,964
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302 344,665 1,302 SH SOLE 0 0 0 1,302
FIRST TR EXCHANGE-TRADED FD SHS 337345102 10,659,542 31,849 SH SOLE 0 0 0 31,849
FIRST TR EXCHNG TRADED FD VI SMITH OPPORT FXD 33740F805 2,310,545 52,982 SH SOLE 0 0 0 52,982
FRANKLIN TEMPLETON ETF TR FRANKLIN DYN MUN 35473P868 326,228 12,961 SH SOLE 0 0 0 12,961
GAP INC COM 364760108 3,967,202 212,377 SH SOLE 0 0 0 212,377
GARMIN LTD SHS H2906T109 6,093,851 25,654 SH SOLE 0 0 0 25,654
GE AEROSPACE COM NEW 369604301 500,431 1,339 SH SOLE 0 0 0 1,339
GE VERNOVA INC COM 36828A101 392,407 334 SH SOLE 0 0 0 334
GILEAD SCIENCES INC COM 375558103 5,516,533 43,664 SH SOLE 0 0 0 43,664
GOLDMAN SACHS GROUP INC COM 38141G104 1,523,142 1,506 SH SOLE 0 0 0 1,506
GSK PLC SPONSORED ADR 37733W204 1,654,861 31,569 SH SOLE 0 0 0 31,569
HF SINCLAIR CORP COM 403949100 6,148,145 88,272 SH SOLE 0 0 0 88,272
HOME DEPOT INC COM 437076102 353,040 1,001 SH SOLE 0 0 0 1,001
HP INC COM 40434L105 4,240,607 193,282 SH SOLE 0 0 0 193,282
INTEL CORP COM 458140100 720,212 5,158 SH SOLE 0 0 0 5,158
INTERNATIONAL BUSINESS MACHS COM 459200101 14,098,766 50,136 SH SOLE 0 0 0 50,136
INTERNATIONAL PAPER CO COM 460146103 5,055,058 132,679 SH SOLE 0 0 0 132,679
INVESCO ACTIVELY MANAGED EXC ULTRA SHRT DUR 46090A887 746,633 14,888 SH SOLE 0 0 0 14,888
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 2,304,855 145,142 SH SOLE 0 0 0 145,142
INVESCO CURRENCYSHARES BRIT BRIT POUN STRL 46138M109 2,105,096 16,492 SH SOLE 0 0 0 16,492
INVESCO CURRENCYSHARES SWISS SWISS FRANC 46138R108 2,135,797 19,585 SH SOLE 0 0 0 19,585
INVESCO EXCH TRADED FD TR II DORSEY WRGT EMRG 46138E867 12,065,118 361,283 SH SOLE 0 0 0 361,283
INVESCO EXCH TRADED FD TR II DORSEY WRGT DVLP 46138E875 10,265,290 183,637 SH SOLE 0 0 0 183,637
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 2,276,367 209,997 SH SOLE 0 0 0 209,997
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 17,125,885 228,650 SH SOLE 0 0 0 228,650
INVESCO EXCHANGE TRADED FD T DORS WRI MOM ETF 46137V837 19,588,646 129,102 SH SOLE 0 0 0 129,102
INVESCO QQQ TR UNIT SER 1 46090E103 999,295 1,357 SH SOLE 0 0 0 1,357
INVESCO QQQ TR UNIT SER 1 46090E103 736,400 1,000 SH Put SOLE 0 0 0 1,000
ISHARES GOLD TR ISHARES NEW 464285204 2,915,894 38,616 SH SOLE 0 0 0 38,616
ISHARES INC MSCI STH KOR ETF 464286772 5,907,190 29,258 SH SOLE 0 0 0 29,258
ISHARES INC MSCI CDA ETF 464286509 8,527,297 147,941 SH SOLE 0 0 0 147,941
ISHARES INC MSCI BRAZIL ETF 464286400 6,247,122 181,076 SH SOLE 0 0 0 181,076
ISHARES INC MSCI TAIWAN ETF 46434G772 3,454,232 31,804 SH SOLE 0 0 0 31,804
ISHARES INC MSCI ITALY ETF 46434G830 4,176,953 70,509 SH SOLE 0 0 0 70,509
ISHARES INC MSCI ISRAEL ETF 464286632 3,926,938 32,532 SH SOLE 0 0 0 32,532
ISHARES TR NATIONAL MUN ETF 464288414 658,204 6,116 SH SOLE 0 0 0 6,116
ISHARES TR U.S. FINLS ETF 464287788 421,293 3,304 SH SOLE 0 0 0 3,304
ISHARES TR ISHS 5-10YR INVT 464288638 10,053,065 189,074 SH SOLE 0 0 0 189,074
ISHARES TR MSCI PERU GL ETF 464289842 3,820,125 45,750 SH SOLE 0 0 0 45,750
ISHARES TR CORE S&P MCP ETF 464287507 39,246,118 508,963 SH SOLE 0 0 0 508,963
ISHARES TR IBONDS 27 TRM TS 46436E841 1,165,030 52,080 SH SOLE 0 0 0 52,080
ISHARES TR RUS 1000 ETF 464287622 8,902,121 21,739 SH SOLE 0 0 0 21,739
ISHARES TR MSCI EAFE ETF 464287465 4,911,446 47,280 SH SOLE 0 0 0 47,280
ISHARES TR ISHS 1-5YR INVS 464288646 31,933,256 609,297 SH SOLE 0 0 0 609,297
ISHARES TR MBS ETF 464288588 13,034,686 137,904 SH SOLE 0 0 0 137,904
ISHARES TR CORE S&P500 ETF 464287200 486,030 649 SH SOLE 0 0 0 649
ISHARES TR IBONDS 28 TRM TS 46436E833 1,160,070 52,397 SH SOLE 0 0 0 52,397
ISHARES TR CORE US AGGBD ET 464287226 9,212,267 93,072 SH SOLE 0 0 0 93,072
ISHARES TR CORE S&P SCP ETF 464287804 15,775,141 106,366 SH SOLE 0 0 0 106,366
ITT INC COM 45073V108 277,853 1,405 SH SOLE 0 0 0 1,405
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 2,079,540 41,122 SH SOLE 0 0 0 41,122
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 1,294,278 25,378 SH SOLE 0 0 0 25,378
JACKSON FINANCIAL INC COM CL A 46817M107 1,021,750 9,979 SH SOLE 0 0 0 9,979
JOHNSON & JOHNSON COM 478160104 654,779 2,578 SH SOLE 0 0 0 2,578
JPMORGAN CHASE & CO COM 46625H100 16,819,900 51,385 SH SOLE 0 0 0 51,385
KIMBERLY-CLARK CORP COM 494368103 4,142,834 37,741 SH SOLE 0 0 0 37,741
KLA CORP COM NEW 482480100 493,616 1,636 SH SOLE 0 0 0 1,636
L3HARRIS TECHNOLOGIES INC COM 502431109 294,077 1,012 SH SOLE 0 0 0 1,012
LAM RESEARCH CORP COM NEW 512807306 619,673 1,430 SH SOLE 0 0 0 1,430
LCI INDS COM 50189K103 5,839,282 55,150 SH SOLE 0 0 0 55,150
LEVI STRAUSS & CO NEW CL A COM STK 52736R102 3,560,448 143,393 SH SOLE 0 0 0 143,393
LG DISPLAY CO LTD SPONS ADR REP 50186V102 48,551 12,481 SH SOLE 0 0 0 12,481
LINDE PLC SHS G54950103 415,162 800 SH SOLE 0 0 0 800
LYONDELLBASELL INDUSTRIES NV SHS - A - N53745100 5,443,220 103,385 SH SOLE 0 0 0 103,385
MASTERCARD INCORPORATED CL A 57636Q104 332,813 648 SH SOLE 0 0 0 648
MCDONALDS CORP COM 580135101 300,585 1,112 SH SOLE 0 0 0 1,112
MERCK & CO INC COM 58933Y105 6,680,871 51,991 SH SOLE 0 0 0 51,991
META PLATFORMS INC CL A 30303M102 1,305,158 2,317 SH SOLE 0 0 0 2,317
META PLATFORMS INC CL A 30303M102 225,316 400 SH Put SOLE 0 0 0 400
MICRON TECHNOLOGY INC COM 595112103 1,494,810 1,295 SH SOLE 0 0 0 1,295
MICROSOFT CORP COM 594918104 7,002,037 18,771 SH SOLE 0 0 0 18,771
MITSUBISHI UFJ FINANCIAL GRO SPONSORED ADS 606822104 203,483 10,230 SH SOLE 0 0 0 10,230
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109 115,629 12,070 SH SOLE 0 0 0 12,070
MORGAN STANLEY COM NEW 617446448 297,091 1,421 SH SOLE 0 0 0 1,421
MSC INDL DIRECT INC CL A 553530106 7,930,634 66,672 SH SOLE 0 0 0 66,672
NEBIUS GROUP N.V. SHS CLASS A N97284108 5,948,149 21,538 SH SOLE 0 0 0 21,538
NEW YORK LIFE INVTS ACTIVE E MACKAY MUN INTER 45409F827 584,181 23,991 SH SOLE 0 0 0 23,991
NLIGHT INC COM 65487K100 4,913,501 70,576 SH SOLE 0 0 0 70,576
NOMURA HLDGS INC SPONSORED ADR 65535H208 121,849 13,878 SH SOLE 0 0 0 13,878
NORTHERN TR CORP COM 665859104 1,479,726 8,512 SH SOLE 0 0 0 8,512
NVIDIA CORPORATION COM 67066G104 14,468,134 72,308 SH SOLE 0 0 0 72,308
NVIDIA CORPORATION COM 67066G104 160,072 800 SH Put SOLE 0 0 0 800
ORACLE CORP COM 68389X105 662,121 4,518 SH SOLE 0 0 0 4,518
ORIX CORP SPONSORED ADR 686330101 267,563 7,034 SH SOLE 0 0 0 7,034
PACKAGING CORP AMER COM 695156109 6,681,626 28,041 SH SOLE 0 0 0 28,041
PALANTIR TECHNOLOGIES INC CL A 69608A108 215,606 1,848 SH SOLE 0 0 0 1,848
PALO ALTO NETWORKS INC COM 697435105 352,274 1,033 SH SOLE 0 0 0 1,033
PAYCHEX INC COM 704326107 6,207,966 63,134 SH SOLE 0 0 0 63,134
PEPSICO INC COM 713448108 4,041,452 29,848 SH SOLE 0 0 0 29,848
PFIZER INC COM 717081103 3,424,546 142,215 SH SOLE 0 0 0 142,215
PHILIP MORRIS INTL INC COM 718172109 297,084 1,642 SH SOLE 0 0 0 1,642
PHILLIPS 66 COM 718546104 6,492,377 38,405 SH SOLE 0 0 0 38,405
PIMCO ETF TR INTER MUN BD ACT 72201R866 324,174 6,163 SH SOLE 0 0 0 6,163
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 747,809 7,418 SH SOLE 0 0 0 7,418
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 1,302,193 25,786 SH SOLE 0 0 0 25,786
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 3,503,727 37,465 SH SOLE 0 0 0 37,465
PRICE T ROWE GROUP INC COM 74144T108 4,533,203 39,873 SH SOLE 0 0 0 39,873
PROCTER & GAMBLE CO COM 742718109 297,252 2,027 SH SOLE 0 0 0 2,027
PRUDENTIAL FINL INC COM 744320102 6,826,249 63,247 SH SOLE 0 0 0 63,247
QUANTA SVCS INC COM 74762E102 5,391,660 7,488 SH SOLE 0 0 0 7,488
RTX CORPORATION COM 75513E101 290,678 1,532 SH SOLE 0 0 0 1,532
SANDISK CORP COM 80004C200 395,629 174 SH SOLE 0 0 0 174
SANOFI SA SPONSORED ADR 80105N105 3,604,898 84,503 SH SOLE 0 0 0 84,503
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 394,282 14,234 SH SOLE 0 0 0 14,234
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 72,047,829 2,448,108 SH SOLE 0 0 0 2,448,108
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 11,598,335 12,019 SH SOLE 0 0 0 12,019
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 29,913,550 157,010 SH SOLE 0 0 0 157,010
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 24,160,727 130,436 SH SOLE 0 0 0 130,436
SNAP ON INC COM 833034101 2,982,186 7,411 SH SOLE 0 0 0 7,411
SOUTHERN COPPER CORP COM 84265V105 5,721,653 32,834 SH SOLE 0 0 0 32,834
SPDR GOLD TR GOLD SHS 78463V107 957,788 2,600 SH Put SOLE 0 0 0 2,600
SPDR GOLD TR GOLD SHS 78463V107 4,052 11 SH SOLE 0 0 0 11
SPDR SERIES TRUST ST PORT HIGH ETF 78468R606 8,104,099 345,738 SH SOLE 0 0 0 345,738
SPDR SERIES TRUST ST STR CONV ETF 78464A359 5,544,104 51,420 SH SOLE 0 0 0 51,420
SPDR SERIES TRUST SST SPDR BLOOMBE 78464A391 5,314,726 254,050 SH SOLE 0 0 0 254,050
SPDR SERIES TRUST ST STR P500GRW 78464A409 11,731,778 98,595 SH SOLE 0 0 0 98,595
SPDR SERIES TRUST ST STR P500VAL 78464A508 9,854,181 162,102 SH SOLE 0 0 0 162,102
SPDR SERIES TRUST ST STR SP REGBNK 78464A698 9,295,247 124,185 SH SOLE 0 0 0 124,185
SPDR SERIES TRUST ST SHOR CORP ETF 78464A474 1,020,130 33,993 SH SOLE 0 0 0 33,993
SPDR SERIES TRUST ST INTL BBG ETF 78464A516 5,099,938 235,237 SH SOLE 0 0 0 235,237
SPDR SERIES TRUST ST BLOO HIGH ETF 78468R622 12,755,822 132,363 SH SOLE 0 0 0 132,363
SSGA ACTIVE ETF TR ST STR BL LN ETF 78467V608 5,072,592 125,902 SH SOLE 0 0 0 125,902
STANLEY BLACK & DECKER INC COM 854502101 5,986,973 63,610 SH SOLE 0 0 0 63,610
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 149,354 200 SH Put SOLE 0 0 0 200
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 17,918,746 23,995 SH SOLE 0 0 0 23,995
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 588,387 1,232 SH SOLE 0 0 0 1,232
TARGET CORP COM 87612E106 3,999,936 30,625 SH SOLE 0 0 0 30,625
TERADYNE INC COM 880770102 13,105,290 27,086 SH SOLE 0 0 0 27,086
TESLA INC COM 88160R101 1,184,410 2,816 SH SOLE 0 0 0 2,816
TEXAS INSTRS INC COM 882508104 280,484 941 SH SOLE 0 0 0 941
TJX COS INC NEW COM 872540109 261,952 1,729 SH SOLE 0 0 0 1,729
TORONTO DOMINION BK ONT COM NEW 891160509 11,282,927 92,917 SH SOLE 0 0 0 92,917
TRUIST FINL CORP COM 89832Q109 1,098,282 22,045 SH SOLE 0 0 0 22,045
TYSON FOODS INC CL A 902494103 5,170,419 90,313 SH SOLE 0 0 0 90,313
UNILEVER PLC SPON ADR NEW 904767803 6,245,752 103,888 SH SOLE 0 0 0 103,888
UNITED PARCEL SVCS INC CL B 911312106 5,401,660 50,248 SH SOLE 0 0 0 50,248
UNITEDHEALTH GROUP INC COM 91324P102 423,565 1,019 SH SOLE 0 0 0 1,019
UNUM GROUP COM 91529Y106 7,298,705 81,641 SH SOLE 0 0 0 81,641
VALERO ENERGY CORP COM 91913Y100 7,177,740 27,560 SH SOLE 0 0 0 27,560
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387 655,925 28,643 SH SOLE 0 0 0 28,643
VANECK MERK GOLD ETF GOLD SHS 921078101 984,045 25,500 SH SOLE 0 0 0 25,500
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 33,577,073 457,391 SH SOLE 0 0 0 457,391
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 669,641 13,452 SH SOLE 0 0 0 13,452
VANGUARD BD INDEX FDS INTERMED TERM 921937819 16,293,419 212,430 SH SOLE 0 0 0 212,430
VANGUARD INDEX FDS TOTAL STK MKT 922908769 140,337,266 379,249 SH SOLE 0 0 0 379,249
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 77,200,052 921,792 SH SOLE 0 0 0 921,792
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,086,888 101,975 SH SOLE 0 0 0 101,975
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 649,043 12,832 SH SOLE 0 0 0 12,832
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 7,060,126 121,308 SH SOLE 0 0 0 121,308
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 5,275,861 112,708 SH SOLE 0 0 0 112,708
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 5,169,073 68,692 SH SOLE 0 0 0 68,692
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 16,514,539 231,783 SH SOLE 0 0 0 231,783
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 3,521,695 52,375 SH SOLE 0 0 0 52,375
VISA INC COM CL A 92826C839 625,110 1,822 SH SOLE 0 0 0 1,822
WALMART INC COM 931142103 584,326 5,159 SH SOLE 0 0 0 5,159
WASTE MGMT INC DEL COM 94106L109 311,143 1,396 SH SOLE 0 0 0 1,396
WELLS FARGO & CO COM 949746101 230,751 2,792 SH SOLE 0 0 0 2,792
WESTERN DIGITAL CORP COM 958102105 399,211 625 SH SOLE 0 0 0 625
WILLIAMS COS INC COM 969457100 1,622,917 21,831 SH SOLE 0 0 0 21,831
WIPRO LTD SPON ADR 1 SH 97651M109 44,492 19,774 SH SOLE 0 0 0 19,774
WISDOMTREE TR US HGH YLD CORP 97717X172 755,963 16,502 SH SOLE 0 0 0 16,502
WISDOMTREE TR EMER MKT HIGH FD 97717W315 1,917,775 35,653 SH SOLE 0 0 0 35,653
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 591,159 11,741 SH SOLE 0 0 0 11,741
WISDOMTREE TR US LARGECAP FUND 97717W588 6,349,531 81,624 SH SOLE 0 0 0 81,624
WISDOMTREE TR US MIDCAP DIVID 97717W505 1,721,430 30,457 SH SOLE 0 0 0 30,457
WISDOMTREE TR US QTLY DIV GRT 97717X669 1,748,794 18,289 SH SOLE 0 0 0 18,289
WISDOMTREE TR US SMALLCAP FUND 97717W562 3,888,095 57,355 SH SOLE 0 0 0 57,355
WISDOMTREE TR US CORP BOND FD 97717X198 559,961 12,623 SH SOLE 0 0 0 12,623
WISDOMTREE TR YIELD ENHANCD US 97717X511 562,849 12,945 SH SOLE 0 0 0 12,945
WISDOMTREE TR INTL EQUITY FD 97717W703 5,799,012 79,206 SH SOLE 0 0 0 79,206
WISDOMTREE TR US MIDCAP FUND 97717W570 3,687,403 48,657 SH SOLE 0 0 0 48,657
WISDOMTREE TR US SMALLCAP DIVD 97717W604 900,655 22,140 SH SOLE 0 0 0 22,140
WISDOMTREE TR WSDM EMKTBD FD 97717X784 560,383 8,468 SH SOLE 0 0 0 8,468
WISDOMTREE TR US SHT TRM CORP 97717X156 713,680 14,768 SH SOLE 0 0 0 14,768
WP CAREY INC COM 92936U109 3,580,220 50,073 SH SOLE 0 0 0 50,073