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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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 1,780,793 7,077 SH SOLE 7,077 0 0
AMEREN CORP COM 023608102 1,222,136 10,812 SH SOLE 10,812 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 8,285,175 85,868 SH SOLE 84,468 66 1,334
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 7,284,776 81,670 SH SOLE 80,327 62 1,281
AMERICAN FINANCIAL GROUP INC COM 025932104 203,469 1,454 SH SOLE 1,454 0 0
AMGEN INC COM 031162100 1,476,621 4,078 SH SOLE 4,078 0 0
ANDERSONS INC COM 034164103 1,734,165 25,354 SH SOLE 25,354 0 0
APPLE INC COM 037833100 633,958 2,191 SH SOLE 2,191 0 0
ATMOS ENERGY CORP COM 049560105 1,573,622 9,135 SH SOLE 9,135 0 0
AXIS CAP HLDGS LTD SHS G0692U109 1,205,960 11,225 SH SOLE 11,225 0 0
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 610,913 13,980 SH SOLE 13,980 0 0
BUNGE GLOBAL SA COM SHS H11356104 1,161,271 10,881 SH SOLE 10,881 0 0
CATERPILLAR INC COM 149123101 212,980 200 SH SOLE 200 0 0
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 4,703,618 134,319 SH SOLE 131,465 102 2,752
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 7,122,487 137,823 SH SOLE 135,538 89 2,196
DUKE ENERGY CORP NEW COM NEW 26441C204 1,124,864 8,887 SH SOLE 8,887 0 0
ELEVANCE HEALTH INC FORMERLY COM 036752103 791,962 2,048 SH SOLE 2,048 0 0
ENTREPRENEURSHARES SERIES TR ERSH PRI PUB ETF 293828877 3,023,661 143,721 SH SOLE 141,447 96 2,178
ETF OPPORTUNITIES TRUST APPLIED FINA VAL 26923N405 11,274,367 243,828 SH SOLE 240,301 136 3,391
EVERCORE INC CLASS A 29977A105 1,791,469 5,247 SH SOLE 5,247 0 0
EVEREST GROUP LTD COM G3223R108 902,995 2,528 SH SOLE 2,528 0 0
FIDELITY COVINGTON TRUST ENHANCED SML CAP 31609A206 3,248,861 67,283 SH SOLE 66,287 41 955
FRANKLIN TEMPLETON ETF TR FRANKLIN DYN MUN 35473P868 3,141,322 124,855 SH SOLE 124,855 0 0
FRANKLIN TEMPLETON ETF TR HIGH YIELD CORP 35473P629 9,080,262 373,837 SH SOLE 372,252 421 1,164
GENERAL DYNAMICS CORP COM 369550108 1,653,834 4,669 SH SOLE 4,669 0 0
GOLDMAN SACHS ETF TR EQUAL WEIGHT US 381430438 6,488,225 68,719 SH SOLE 67,656 46 1,017
HANOVER INS GROUP INC COM 410867105 1,601,131 7,478 SH SOLE 7,478 0 0
HARBOR ETF TRUST COMM ALL WEA ETF 41151J505 7,216,774 245,978 SH SOLE 242,012 221 3,745
HOME DEPOT INC COM 437076102 810,743 2,299 SH SOLE 2,299 0 0
IDACORP INC COM 451107106 882,486 5,833 SH SOLE 5,833 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 340,087 16,704 SH SOLE 16,704 0 0
INVESCO EXCHANGE TRADED FD T LARG CAP GRO ETF 46137V746 4,217,509 25,037 SH SOLE 24,608 18 411
ISHARES TR 10+ YR INVST GRD 464289511 7,395,464 147,796 SH SOLE 147,034 200 562
ISHARES TR CORE US AGGBD ET 464287226 4,723,866 47,728 SH SOLE 47,368 60 300
ISHARES TR GNMA BOND ETF 46429B333 5,159,707 116,688 SH SOLE 116,117 153 418
ISHARES TR ISHS 1-5YR INVS 464288646 8,170,860 155,936 SH SOLE 155,229 146 561
ISHARES TR MSCI EAFE ETF 464287465 1,176,114 11,322 SH SOLE 11,322 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 673,868 9,852 SH SOLE 9,852 0 0
ISHARES TR NATIONAL MUN ETF 464288414 2,780,010 25,832 SH SOLE 25,832 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 525,522 1,334 SH SOLE 1,334 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 577,546 2,611 SH SOLE 2,611 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 6,950,253 50,538 SH SOLE 49,757 28 753
ISHARES TR SHRT NAT MUN ETF 464288158 234,231 2,200 SH SOLE 2,200 0 0
ISHARES TR U.S. TECH ETF 464287721 276,948 1,098 SH SOLE 1,098 0 0
ISHARES TR U.S. UTILITS ETF 464287697 3,730,947 32,554 SH SOLE 32,554 0 0
ISHARES TR US TELECOM ETF 464287713 3,208,902 75,844 SH SOLE 75,844 0 0
ISHARES TR USD INV GRDE ETF 464288620 667,323 13,011 SH SOLE 13,011 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 2,052,062 36,340 SH SOLE 36,340 0 0
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852 3,816,018 78,946 SH SOLE 78,550 105 291
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 1,290,540 25,480 SH SOLE 25,480 0 0
KROGER CO COM 501044101 1,142,652 20,582 SH SOLE 20,582 0 0
LEGG MASON ETF INVT FRANKLIN INTL LW 52468L505 6,271,887 154,562 SH SOLE 152,256 107 2,199
LOCKHEED MARTIN CORP COM 539830109 821,178 1,612 SH SOLE 1,612 0 0
M & T BK CORP COM 55261F104 1,388,025 5,832 SH SOLE 5,832 0 0
MICROSOFT CORP COM 594918104 1,343,924 3,603 SH SOLE 3,603 0 0
NEW YORK LIFE INVTS ACTIVE E MACK MU INSD ETF 45409F843 1,878,024 77,605 SH SOLE 76,903 0 702
NEXSTAR MEDIA GROUP INC COMMON STOCK 65336K103 782,525 4,382 SH SOLE 4,382 0 0
NEXTERA ENERGY INC COM 65339F101 1,560,660 17,782 SH SOLE 17,782 0 0
NORTHROP GRUMMAN CORP COM 666807102 1,167,763 2,293 SH SOLE 2,293 0 0
NUVEEN SELECT MAT MUN FD SH BEN INT 67061T101 1,298,735 137,873 SH SOLE 137,873 0 0
OLD REP INTL CORP COM 680223104 291,558 7,127 SH SOLE 7,127 0 0
PENSKE AUTOMOTIVE GRP INC COM 70959W103 817,040 4,566 SH SOLE 4,566 0 0
RYDER SYS INC COM 783549108 2,198,383 8,335 SH SOLE 8,335 0 0
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 2,217,337 41,751 SH SOLE 41,751 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 211,335 283 SH SOLE 283 0 0
T ROWE PRICE EXCHANGE-TRADED PRICE BLUE CHIP 87283Q107 5,680,116 113,403 SH SOLE 112,028 63 1,312
TELEPHONE & DATA SYS INC COM NEW 879433829 1,408,072 38,056 SH SOLE 38,056 0 0
UNION PAC CORP COM 907818108 1,337,152 4,916 SH SOLE 4,916 0 0
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387 1,402,580 61,276 SH SOLE 61,276 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 384,010 4,458 SH SOLE 4,458 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 622,371 2,032 SH SOLE 2,032 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 692,184 3,503 SH SOLE 3,503 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 831,887 8,627 SH SOLE 8,627 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 476,611 2,187 SH SOLE 2,187 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 500,483 9,895 SH SOLE 9,895 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 13,661,938 231,680 SH SOLE 230,122 315 1,243
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 7,875,668 49,838 SH SOLE 49,059 31 748
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 11,805,457 120,219 SH SOLE 120,219 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578 224,006 4,555 SH SOLE 4,555 0 0
WISDOMTREE TR US SMALLCAP DIVD 97717W604 5,272,677 129,615 SH SOLE 129,615 0 0
XCEL ENERGY INC COM 98389B100 1,089,861 13,573 SH SOLE 13,573 0 0