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
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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
3M Company com 88579Y101 624 3,854 SH SOLE 0 624 0 0
A T & T Inc. com 00206R102 2,989 144,403 SH SOLE 0 2,989 0 0
Abbott Laboratories com 002824100 336 3,704 SH SOLE 0 336 0 0
AbbVie Inc. com 00287Y109 14,590 57,981 SH SOLE 0 14,590 0 0
Academy Sports and Outdoors, Inc. com 00402L107 910 19,316 SH SOLE 0 910 0 0
Accenture Ltd Cl A com G1151C101 2,628 21,119 SH SOLE 0 2,628 0 0
AFLAC Inc com 001055102 8,594 73,300 SH SOLE 0 8,594 0 0
Albertsons Companies, Inc. com 013091103 759 56,102 SH SOLE 0 759 0 0
Allison Transmission Holdings, INc. com 01973R101 7,324 64,961 SH SOLE 0 7,324 0 0
Allstate Corporation com 020002101 264 1,108 SH SOLE 0 264 0 0
Alphabet Inc Class A com 02079K305 3,874 10,841 SH SOLE 0 3,874 0 0
Alphabet Inc Class C com 02079K107 38,028 107,628 SH SOLE 0 38,028 0 0
Amazon.com Inc. com 023135106 1,171 4,915 SH SOLE 0 1,171 0 0
Amcor Plc com G0250X149 369 8,506 SH SOLE 0 369 0 0
Amdocs Limited Common Stock com G02602103 2,715 53,728 SH SOLE 0 2,715 0 0
American Electric Power Co., Inc com 025537101 388 2,838 SH SOLE 0 388 0 0
American Express Company com 025816109 557 1,647 SH SOLE 0 557 0 0
American Intl Group Inc com 026874784 3,301 44,291 SH SOLE 0 3,301 0 0
Ameriprise Financial, Inc. com 03076C106 7,883 17,184 SH SOLE 0 7,883 0 0
Amgen Incorporated com 031162100 11,912 32,896 SH SOLE 0 11,912 0 0
Amkor Technology Inc com 031652100 1,944 22,550 SH SOLE 0 1,944 0 0
Apache Corp com 03743Q108 218 6,705 SH SOLE 0 218 0 0
Apple Computer Inc com 037833100 73,977 255,657 SH SOLE 0 73,977 0 0
Applied Materials Inc com 038222105 14,148 19,568 SH SOLE 0 14,148 0 0
Aptiv PLC com G3265R107 1,163 18,955 SH SOLE 0 1,163 0 0
Archer-Daniels-Midland Co. com 039483102 1,563 20,453 SH SOLE 0 1,563 0 0
Arrow Electronics, Inc. com 042735100 2,900 13,588 SH SOLE 0 2,900 0 0
ARS Pharmaceuticals Inc com 82835W108 118 14,780 SH SOLE 0 118 0 0
Automatic Data Processing, Inc. com 053015103 909 4,058 SH SOLE 0 909 0 0
Autonation Inc. com 05329W102 3,250 17,492 SH SOLE 0 3,250 0 0
AutoZone Inc com 053332102 968 303 SH SOLE 0 968 0 0
Avantis All Equity Markets ETF ETF 025072232 534 5,389 SH SOLE 0 534 0 0
Avantis Emerging Markets Equity ETF ETF 025072604 49,714 515,223 SH SOLE 0 49,714 0 0
Avantis International Equity ETF ETF 025072703 48,450 543,156 SH SOLE 0 48,450 0 0
Avantis US Small Cap Value ETF com 025072877 11,796 94,547 SH SOLE 0 11,796 0 0
Avnet, Inc. com 053807103 11,263 126,802 SH SOLE 0 11,263 0 0
Bank of America Corp com 060505104 792 13,893 SH SOLE 0 792 0 0
Bank of New York Mellon Corporation com 064058100 339 2,342 SH SOLE 0 339 0 0
Bank OZK com 06417N103 1,055 20,262 SH SOLE 0 1,055 0 0
Becton Dickinson & Co com 075887109 825 5,452 SH SOLE 0 825 0 0
Belden Inc com 077454106 4,644 38,732 SH SOLE 0 4,644 0 0
Berkshire Hathaway Cl B com 084670702 2,045 4,087 SH SOLE 0 2,045 0 0
Best Buy Inc com 086516101 1,962 25,851 SH SOLE 0 1,962 0 0
Bloom Energy Corp com 093712107 257 850 SH SOLE 0 257 0 0
Booz Allen Hamilton Holdings Corporation com 099502106 216 3,561 SH SOLE 0 216 0 0
BorgWarner Inc com 099724106 2,076 31,272 SH SOLE 0 2,076 0 0
Boyd Gaming Corp com 103304101 9,087 102,878 SH SOLE 0 9,087 0 0
BP PLC Adr ADR 055622104 799 21,619 SH SOLE 0 799 0 0
Bristol-Myers Squibb Co com 110122108 3,253 56,454 SH SOLE 0 3,253 0 0
Broadcom Limited com 11135F101 7,032 18,615 SH SOLE 0 7,032 0 0
Bunge Ltd. com H11356104 715 6,697 SH SOLE 0 715 0 0
C V S Caremark Corp. com 126650100 1,833 17,720 SH SOLE 0 1,833 0 0
Cabot Corporation com 127055101 1,194 13,152 SH SOLE 0 1,194 0 0
Cal Maine Foods Inc New com 128030202 527 6,539 SH SOLE 0 527 0 0
Cambria Emerging Shareholder Yield ETF ETF 132061706 47,489 1,045,792 SH SOLE 0 47,489 0 0
Canadian Natl RR Co. com 136375102 238 1,992 SH SOLE 0 238 0 0
Canadian Natural Resources Limited com 136385101 848 21,480 SH SOLE 0 848 0 0
Capital One Financial Corp com 14040H105 974 4,855 SH SOLE 0 974 0 0
Cardinal Health Inc com 14149Y108 5,736 24,144 SH SOLE 0 5,736 0 0
Carlisle Companies Inc com 142339100 991 2,732 SH SOLE 0 991 0 0
Carrier Global Corp com 14448C104 457 6,233 SH SOLE 0 457 0 0
Caterpillar Inc com 149123101 13,433 12,614 SH SOLE 0 13,433 0 0
CDW Corporation com 12514G108 1,727 12,276 SH SOLE 0 1,727 0 0
Cencora, Inc. com 03073E105 1,505 5,317 SH SOLE 0 1,505 0 0
CF Industries Holdings, Inc. com 125269100 4,938 45,611 SH SOLE 0 4,938 0 0
Charter Communications com 16119P108 360 2,533 SH SOLE 0 360 0 0
Chevron Corp com 166764100 5,326 32,132 SH SOLE 0 5,326 0 0
Chord Energy Corporation com 674215207 695 6,081 SH SOLE 0 695 0 0
Chubb Ltd com H1467J104 1,442 4,231 SH SOLE 0 1,442 0 0
CIGNA Corp com 125523100 1,010 3,662 SH SOLE 0 1,010 0 0
Cincinnati Financial Cp com 172062101 594 3,209 SH SOLE 0 594 0 0
Cirrus Logic Inc com 172755100 4,672 31,452 SH SOLE 0 4,672 0 0
Cisco Systems Inc com 17275R102 19,466 165,724 SH SOLE 0 19,466 0 0
Citigroup Inc com 172967424 504 3,598 SH SOLE 0 504 0 0
Clear Secure, Inc. com 18467V109 1,446 25,952 SH SOLE 0 1,446 0 0
CMS Energy Corp com 125896100 614 8,029 SH SOLE 0 614 0 0
Coca Cola Company com 191216100 263 3,239 SH SOLE 0 263 0 0
Cognizant Technology Solutions Corp. com 192446102 2,462 63,576 SH SOLE 0 2,462 0 0
Comcast Corp com 20030N101 963 39,239 SH SOLE 0 963 0 0
Commercial Metals Company com 201723103 559 8,909 SH SOLE 0 559 0 0
ConAgra Brands, Inc. com 205887102 313 23,261 SH SOLE 0 313 0 0
ConocoPhillips com 20825C104 372 3,579 SH SOLE 0 372 0 0
Consolidated Edison com 209115104 418 3,779 SH SOLE 0 418 0 0
Constellation Energy Co com 21037T109 1,061 4,273 SH SOLE 0 1,061 0 0
Core & Main, Inc. com 21874C102 1,282 26,576 SH SOLE 0 1,282 0 0
Corning Inc com 219350105 11,615 45,474 SH SOLE 0 11,615 0 0
Costco Whsl Corp New com 22160K105 429 459 SH SOLE 0 429 0 0
Crocs Inc com 227046109 502 4,160 SH SOLE 0 502 0 0
Crown Holdings, Inc. com 228368106 2,333 20,867 SH SOLE 0 2,333 0 0
CSX Corp. com 126408103 1,641 34,518 SH SOLE 0 1,641 0 0
Cummins Inc com 231021106 13,148 18,435 SH SOLE 0 13,148 0 0
D R Horton Co com 23331A109 8,560 52,557 SH SOLE 0 8,560 0 0
Deere & Co com 244199105 877 1,382 SH SOLE 0 877 0 0
Dell Inc. com 24703L202 21,702 50,298 SH SOLE 0 21,702 0 0
Devon Energy Corp com 25179M103 266 6,442 SH SOLE 0 266 0 0
Dick's Sporting Goods Inc. com 253393102 4,081 17,992 SH SOLE 0 4,081 0 0
Dimensional Emerging Core Equity Market ETF ETF 25434V302 1,074 26,717 SH SOLE 0 1,074 0 0
Dimensional Emerging Markets ETF 25434V732 298 7,332 SH SOLE 0 298 0 0
Dimensional World Equity ETF ETF 25434V617 314 3,788 SH SOLE 0 314 0 0
Disney Walt Hldg Co com 254687106 409 4,253 SH SOLE 0 409 0 0
Dole plc com G27907107 772 56,241 SH SOLE 0 772 0 0
DoubleLine Income Solutions Fund com 258622109 607 54,837 SH SOLE 0 607 0 0
Dover Corporation com 260003108 361 1,609 SH SOLE 0 361 0 0
Duke Energy Corp com 26441C204 431 3,405 SH SOLE 0 431 0 0
Eaton Corporation plc com G29183103 2,969 6,967 SH SOLE 0 2,969 0 0
Edison International com 281020107 3,178 42,686 SH SOLE 0 3,178 0 0
Electronic Arts Inc. com 285512109 536 2,613 SH SOLE 0 536 0 0
Eli Lilly & Company com 532457108 977 814 SH SOLE 0 977 0 0
Encompass Health Corp com 29261A100 1,089 10,774 SH SOLE 0 1,089 0 0
Entergy Corp New com 29364G103 1,321 11,497 SH SOLE 0 1,321 0 0
EOG Resources, Inc com 26875P101 4,841 37,317 SH SOLE 0 4,841 0 0
Equinor ASA ADR 29446M102 2,213 70,485 SH SOLE 0 2,213 0 0
Equitable Holdings, Inc. com 29452E101 5,850 133,308 SH SOLE 0 5,850 0 0
Everest Group Ltd com G3223R108 944 2,643 SH SOLE 0 944 0 0
Exelon Corporation com 30161N101 1,456 31,235 SH SOLE 0 1,456 0 0
Expeditors International of Washington Inc. com 302130109 1,339 8,218 SH SOLE 0 1,339 0 0
Exxon Mobil Corporation com 30233Q108 5,833 42,666 SH SOLE 0 5,833 0 0
FedEx Corp. com 31428X106 1,375 4,392 SH SOLE 0 1,375 0 0
Fidelity MSCI Real Estate Index ETF ETF 316092857 204 6,949 SH SOLE 0 204 0 0
Fidelity National Finl. com 31620R303 1,649 34,975 SH SOLE 0 1,649 0 0
Fifth Third Bancorp com 316773100 861 15,276 SH SOLE 0 861 0 0
First Trust Dow Jones Internet Index ETF ETF 33733E302 241 911 SH SOLE 0 241 0 0
First Trust Managed Municipal ETF ETF 33739N108 7,832 152,469 SH SOLE 0 7,832 0 0
First Trust Nasdaq Semiconductor ETF ETF 33738R811 284 997 SH SOLE 0 284 0 0
Flextronics Intl Ltd com Y2573F102 727 4,484 SH SOLE 0 727 0 0
Ford Motor Company com 345370860 546 39,291 SH SOLE 0 546 0 0
Franklin Resources Inc com 354613101 1,193 35,869 SH SOLE 0 1,193 0 0
GE Vernova Inc com 36828A101 942 802 SH SOLE 0 942 0 0
Gen Digital, Inc. com 668771108 1,204 48,376 SH SOLE 0 1,204 0 0
General Dynamics Corp com 369550108 6,126 17,292 SH SOLE 0 6,126 0 0
General Mills Inc com 370334104 413 11,864 SH SOLE 0 413 0 0
General Motors Company com 37045V100 10,220 132,587 SH SOLE 0 10,220 0 0
G-III Apparel Group, Ltd. com 36237H101 441 13,068 SH SOLE 0 441 0 0
Gilead Sciences Inc com 375558103 1,513 11,977 SH SOLE 0 1,513 0 0
GlaxoSmithKline plc ADR 37733W204 2,227 42,484 SH SOLE 0 2,227 0 0
Global X MLP & Energy Infrastructure ETF ETF 37954Y293 710 9,642 SH SOLE 0 710 0 0
Goldman Sachs Group Inc com 38141G104 4,707 4,654 SH SOLE 0 4,707 0 0
Graphic Packaging Holding Company com 388689101 115 10,862 SH SOLE 0 115 0 0
Group 1 Automotive, Inc. com 398905109 2,525 8,670 SH SOLE 0 2,525 0 0
Gulfport Energy Corp com 402635502 604 3,559 SH SOLE 0 604 0 0
Halozyme Therapeutics, Inc. com 40637H109 1,996 25,501 SH SOLE 0 1,996 0 0
Harmony Biosciences Holdings Inc com 413197104 687 18,867 SH SOLE 0 687 0 0
Hartford Financial Services com 416515104 13,953 105,292 SH SOLE 0 13,953 0 0
Hartford Multifactor Developed Markets ETF ETF 518416102 41,085 1,016,714 SH SOLE 0 41,085 0 0
Hasbro Inc com 418056107 600 7,263 SH SOLE 0 600 0 0
HCA Holdings, Inc. com 40412C101 11,032 28,296 SH SOLE 0 11,032 0 0
Henry Schein, Inc. com 806407102 579 6,938 SH SOLE 0 579 0 0
Hewlett Packard Enterprise Comp com 42824C109 9,887 219,171 SH SOLE 0 9,887 0 0
HF Sinclair Corp com 403949100 888 12,751 SH SOLE 0 888 0 0
Home Depot Inc com 437076102 1,121 3,179 SH SOLE 0 1,121 0 0
Honda Motor Co Adr com 438128308 1,016 37,461 SH SOLE 0 1,016 0 0
HONEYWELL AEROSPACE INC com 43849R105 822 3,717 SH SOLE 0 822 0 0
Honeywell International com 438516205 836 3,733 SH SOLE 0 836 0 0
HP Inc. com 40434L105 1,764 80,410 SH SOLE 0 1,764 0 0
Huntington Bancshares Incorporated com 446150104 926 52,254 SH SOLE 0 926 0 0
Illinois Tool Works com 452308109 990 3,662 SH SOLE 0 990 0 0
Infosys Limited ADR 456788108 1,425 135,863 SH SOLE 0 1,425 0 0
Ingredion Incorporated com 457187102 3,209 33,882 SH SOLE 0 3,209 0 0
Interdigital Comm Corp com 45867G101 860 3,037 SH SOLE 0 860 0 0
Intl Business Machines com 459200101 8,833 31,412 SH SOLE 0 8,833 0 0
Intuitive Surgical Inc com 46120E602 576 1,448 SH SOLE 0 576 0 0
Invesco FTSE RAFI Dev Mkts ex-US ETF ETF 46138E743 1,190 15,727 SH SOLE 0 1,190 0 0
Invesco FTSE RAFI Emerging Markets ETF ETF 46138E727 3,680 132,000 SH SOLE 0 3,680 0 0
Invesco FTSE RAFI US 1000 ETF ETF 46137V613 548 10,143 SH SOLE 0 548 0 0
Invesco QQQ ETF ETF 46090E103 632 858 SH SOLE 0 632 0 0
Iron Mountain Incorporated com 46284V101 406 3,213 SH SOLE 0 406 0 0
iShares 0-3 Month Treasury Bond ETF ETF 46436E718 2,629 26,114 SH SOLE 0 2,629 0 0
iShares Barclays TIPS Bond ETF 464287176 3,620 33,079 SH SOLE 0 3,620 0 0
iShares Core MSCI EAFE ETF ETF 46432F842 2,003 20,735 SH SOLE 0 2,003 0 0
iShares Core MSCI Emerging Markets ETF ETF 46434G103 676 8,159 SH SOLE 0 676 0 0
iShares Core S&P 500 ETF ETF 464287200 1,493 1,994 SH SOLE 0 1,493 0 0
iShares Core S&P Mid-Cap ETF ETF 464287507 768 9,965 SH SOLE 0 768 0 0
iShares Edge MSCI Mltfct USA SmCp ETF ETF 46434V290 827 9,279 SH SOLE 0 827 0 0
iShares Edge MSCI Multifactor Intl ETF ETF 46434V274 15,075 368,038 SH SOLE 0 15,075 0 0
iShares Edge MSCI Multifactor USA ETF ETF 46434V282 16,868 223,031 SH SOLE 0 16,868 0 0
iShares Emerging Markets Local Currency Bond ETF ETF 464286517 2,478 58,413 SH SOLE 0 2,478 0 0
iShares Gold Trust ETF ETF 464285204 673 8,914 SH SOLE 0 673 0 0
iShares JPMorgan USD Emerg Markets Bond ETF ETF 464288281 1,337 13,867 SH SOLE 0 1,337 0 0
iShares MBS Bond ETF ETF 464288588 5,808 61,450 SH SOLE 0 5,808 0 0
iShares MSCI EAFE ETF ETF 464287465 6,399 61,599 SH SOLE 0 6,399 0 0
iShares MSCI EAFE Min Volatility ETF ETF 46429B689 937 10,680 SH SOLE 0 937 0 0
iShares MSCI Emerging Markets Index ETF ETF 464287234 882 12,894 SH SOLE 0 882 0 0
iShares Natl Amt-Free Muni Bond ETF ETF 464288414 4,003 37,200 SH SOLE 0 4,003 0 0
iShares Russell 1000 ETF ETF 464287622 424 1,036 SH SOLE 0 424 0 0
iShares Russell 1000 Growth ETF ETF 464287614 442 3,563 SH SOLE 0 442 0 0
iShares Russell 1000 Value ETF ETF 464287598 12,258 50,563 SH SOLE 0 12,258 0 0
iShares Russell 2000 ETF ETF 464287655 340 1,131 SH SOLE 0 340 0 0
iShares Russell Mid-cap Value ETF ETF 464287473 305 1,856 SH SOLE 0 305 0 0
iShares S&P 100 ETF ETF 464287101 255 696 SH SOLE 0 255 0 0
iShares S&P Mid-Cap 400 Value ETF ETF 464287705 207 1,400 SH SOLE 0 207 0 0
iShares S&P Small-Cap 600 Value ETF ETF 464287879 306 2,238 SH SOLE 0 306 0 0
iShares S&P Small-Cap ETF ETF 464287804 575 3,875 SH SOLE 0 575 0 0
iShares Short-Term National Muni Bond ETF ETF 464288158 499 4,687 SH SOLE 0 499 0 0
iShares Silver Trust ETF 46428Q109 313 5,855 SH SOLE 0 313 0 0
iShares Trust - U.S. Treasury Bond ETF ETF 46429B267 557 24,468 SH SOLE 0 557 0 0
J M Smuckers Co com 832696405 3,564 31,677 SH SOLE 0 3,564 0 0
J P Morgan Chase & Co. com 46625H100 16,523 50,479 SH SOLE 0 16,523 0 0
Jabil Circuit Inc. com 466313103 19,890 51,598 SH SOLE 0 19,890 0 0
Janus Henderson AAA CLO ETF ETF 47103U845 30,503 604,132 SH SOLE 0 30,503 0 0
Janus Henderson Group com G4474Y214 1,317 25,351 SH SOLE 0 1,317 0 0
Janus Henderson Mortgage-Backed ETF ETF 47103U852 83,540 1,856,863 SH SOLE 0 83,540 0 0
John Wiley & Sons, Inc. com 968223206 641 13,218 SH SOLE 0 641 0 0
Johnson & Johnson com 478160104 11,515 45,340 SH SOLE 0 11,515 0 0
JPMorgan Diversified Return U.S. Equity ETF ETF 46641Q407 496 3,539 SH SOLE 0 496 0 0
JPMorgan Municipal ETF ETF 46641Q647 8,001 157,953 SH SOLE 0 8,001 0 0
JPMorgan Ultra-Short Income ETF ETF 46641Q837 880 17,408 SH SOLE 0 880 0 0
K L A Tencor Corp com 482480100 8,322 27,582 SH SOLE 0 8,322 0 0
KB Home com 48666K109 369 5,893 SH SOLE 0 369 0 0
Kimberly-Clark Corp com 494368103 252 2,292 SH SOLE 0 252 0 0
Kinder Morgan, Inc. com 49456B101 1,553 48,579 SH SOLE 0 1,553 0 0
Kroger Company com 501044101 12,875 231,862 SH SOLE 0 12,875 0 0
Lab Cp Of Amer Hldg New com 504922105 1,207 4,309 SH SOLE 0 1,207 0 0
LAM Research Corporation com 512807306 10,596 24,454 SH SOLE 0 10,596 0 0
Lear Corp com 521865204 1,062 7,919 SH SOLE 0 1,062 0 0
Leidos Holdings Inc com 525327102 3,230 31,365 SH SOLE 0 3,230 0 0
Lennar Corp Cl A com 526057104 601 6,646 SH SOLE 0 601 0 0
LKQ Corp. com 501889208 336 12,765 SH SOLE 0 336 0 0
Lockheed Martin Corp com 539830109 1,194 2,343 SH SOLE 0 1,194 0 0
Logitech International S.A. com H50430232 1,332 14,168 SH SOLE 0 1,332 0 0
Lowes Companies Inc com 548661107 3,293 14,937 SH SOLE 0 3,293 0 0
LyondellBasell Industrials NV com N53745100 1,023 19,438 SH SOLE 0 1,023 0 0
Manulife Financial Corporation com 56501R106 9,864 243,502 SH SOLE 0 9,864 0 0
Marathon Petroleum Corporation com 56585A102 5,250 20,536 SH SOLE 0 5,250 0 0
Masco Corporation com 574599106 2,302 28,288 SH SOLE 0 2,302 0 0
Mastercard Incorporated com 57636Q104 587 1,143 SH SOLE 0 587 0 0
Match Group, Inc. com 57667L107 2,851 74,930 SH SOLE 0 2,851 0 0
McDonald's Corp. com 580135101 1,640 6,068 SH SOLE 0 1,640 0 0
McKesson HBOC Inc com 58155Q103 9,655 12,778 SH SOLE 0 9,655 0 0
Medtronic PLC com G5960L103 1,787 22,847 SH SOLE 0 1,787 0 0
Merck & Co Inc com 58933Y105 4,919 38,282 SH SOLE 0 4,919 0 0
Meta Platforms, Inc. com 30303M102 14,660 26,025 SH SOLE 0 14,660 0 0
Metlife Inc com 59156R108 7,166 84,696 SH SOLE 0 7,166 0 0
MGIC Investment Corp com 552848103 8,615 305,488 SH SOLE 0 8,615 0 0
Microchip Technology Inc com 595017104 696 7,628 SH SOLE 0 696 0 0
Micron Technology Inc com 595112103 214 185 SH SOLE 0 214 0 0
Microsoft Corp com 594918104 32,020 85,839 SH SOLE 0 32,020 0 0
Molson Coors Brewing Clb com 60871R209 3,080 79,059 SH SOLE 0 3,080 0 0
Morgan Stanley com 617446448 1,906 9,116 SH SOLE 0 1,906 0 0
Murphy Oil Corp Hldg com 626717102 718 22,057 SH SOLE 0 718 0 0
Murphy USA, Inc com 626755102 371 689 SH SOLE 0 371 0 0
National Fuel Gas Co com 636180101 6,040 78,230 SH SOLE 0 6,040 0 0
Network Appliance Inc com 64110D104 4,788 30,938 SH SOLE 0 4,788 0 0
Newmont Mining Corp com 651639106 445 4,760 SH SOLE 0 445 0 0
Nexstar Media Group com 65336K103 8,529 47,755 SH SOLE 0 8,529 0 0
Norfolk Southern Corp com 655844108 235 748 SH SOLE 0 235 0 0
Northrop Grumman Corp com 666807102 6,183 12,141 SH SOLE 0 6,183 0 0
Novartis A G Spon Adr ADR 66987V109 3,361 21,447 SH SOLE 0 3,361 0 0
NRG Energy, Inc com 629377508 2,014 13,786 SH SOLE 0 2,014 0 0
Nucor Corp com 670346105 4,346 19,511 SH SOLE 0 4,346 0 0
Nutrien Ltd. com 67077M108 342 5,426 SH SOLE 0 342 0 0
Nvidia Corp com 67066G104 12,155 60,749 SH SOLE 0 12,155 0 0
NXP Semiconductors NV com N6596X109 406 1,443 SH SOLE 0 406 0 0
OGE Energy Corp com 670837103 546 11,221 SH SOLE 0 546 0 0
Old Republic International Corporation com 680223104 1,740 42,532 SH SOLE 0 1,740 0 0
Omnicom Group Inc com 681919106 4,503 61,826 SH SOLE 0 4,503 0 0
Oracle Corporation com 68389X105 8,162 55,693 SH SOLE 0 8,162 0 0
Organon & Co. Common Stock com 68622V106 175 12,919 SH SOLE 0 175 0 0
Oshkosh Truck Corp com 688239201 575 3,745 SH SOLE 0 575 0 0
Otter Tail Corporation com 689648103 650 7,223 SH SOLE 0 650 0 0
Ovintiv Inc. com 69047Q102 1,930 36,665 SH SOLE 0 1,930 0 0
Owens Corning Inc. com 690742101 4,692 29,520 SH SOLE 0 4,692 0 0
PACCAR Inc com 693718108 6,364 52,978 SH SOLE 0 6,364 0 0
Pacer Benchmark Data & Infrastructure Real Estate ETF com 69374H741 12,558 395,271 SH SOLE 0 12,558 0 0
Pacira BioSciences Inc com 695127100 1,467 57,817 SH SOLE 0 1,467 0 0
Parker-Hannifin Corporation com 701094104 555 567 SH SOLE 0 555 0 0
Patrick Industries Inc. com 703343103 1,347 15,000 SH SOLE 0 1,347 0 0
PepsiCo Incorporated com 713448108 692 5,113 SH SOLE 0 692 0 0
Petroleo Brasileiro ADR 71654V408 476 29,479 SH SOLE 0 476 0 0
Pfizer Incorporated com 717081103 4,051 168,239 SH SOLE 0 4,051 0 0
PGIM AAA CLO ETF ETF 69344A834 3,627 70,741 SH SOLE 0 3,627 0 0
Philip Morris International Inc com 718172109 247 1,366 SH SOLE 0 247 0 0
Phillips 66 com 718546104 545 3,225 SH SOLE 0 545 0 0
PIMCO Intermediate Muni Bond Strgy ETF ETF 72201R866 8,782 166,954 SH SOLE 0 8,782 0 0
PIMCO Mortgage Backed Securities com 72201R569 9,946 201,422 SH SOLE 0 9,946 0 0
PNC Financial Services com 693475105 338 1,374 SH SOLE 0 338 0 0
Popular Inc com 733174700 780 4,751 SH SOLE 0 780 0 0
PPG Industries Inc com 693506107 315 2,597 SH SOLE 0 315 0 0
PriceSmart, Inc. com 741511109 1,475 7,550 SH SOLE 0 1,475 0 0
Principal Financial Group Inc. com 74251V102 3,192 29,615 SH SOLE 0 3,192 0 0
Procter & Gamble com 742718109 8,487 57,877 SH SOLE 0 8,487 0 0
Progressive Corp. com 743315103 805 3,683 SH SOLE 0 805 0 0
Prudential Financial Inc com 744320102 4,323 40,056 SH SOLE 0 4,323 0 0
Pub Svc Enterprise Group com 744573106 275 3,383 SH SOLE 0 275 0 0
PulteGroup Inc com 745867101 8,572 62,474 SH SOLE 0 8,572 0 0
Qualcomm Inc com 747525103 6,885 37,258 SH SOLE 0 6,885 0 0
Quest Diagnostic Inc com 74834L100 3,512 16,571 SH SOLE 0 3,512 0 0
Range Resources Corporation com 75281A109 758 20,385 SH SOLE 0 758 0 0
Regions Financial Cp New com 7591EP100 2,526 83,648 SH SOLE 0 2,526 0 0
Reinsurance Group of America com 759351604 1,049 4,935 SH SOLE 0 1,049 0 0
Reliance Steel & Aluminum Co com 759509102 3,426 9,171 SH SOLE 0 3,426 0 0
Republic Services, Inc com 760759100 256 1,203 SH SOLE 0 256 0 0
RingCentral, Inc. com 76680R206 394 10,116 SH SOLE 0 394 0 0
Ross Stores, Inc com 778296103 320 1,504 SH SOLE 0 320 0 0
RTX Corp. com 75513E101 1,876 9,886 SH SOLE 0 1,876 0 0
Sally Beauty Holdings, Inc. com 79546E104 374 26,480 SH SOLE 0 374 0 0
Sanmina-SCI Corp com 801056102 3,505 13,848 SH SOLE 0 3,505 0 0
Schwab Emerging Mkts Equity ETF ETF 808524706 444 12,237 SH SOLE 0 444 0 0
Schwab Fundamental Emerg Mkts Lg Co ETF ETF 808524730 49,021 1,235,419 SH SOLE 0 49,021 0 0
Schwab Fundamental Intl Lg Co ETF ETF 808524755 134,058 2,540,904 SH SOLE 0 134,058 0 0
Schwab Fundamental US Broad Mkt ETF ETF 808524789 320 10,509 SH SOLE 0 320 0 0
Schwab Fundamental US Large Company ETF ETF 808524771 10,020 322,194 SH SOLE 0 10,020 0 0
Schwab Fundamental US Small Company ETF ETF 808524763 17,889 470,018 SH SOLE 0 17,889 0 0
Schwab Intermediate-Term U.S. Trsy ETF ETF 808524854 34,741 1,408,799 SH SOLE 0 34,741 0 0
Schwab International Equity ETF ETF 808524805 90,303 3,260,047 SH SOLE 0 90,303 0 0
Schwab U.S. Dividend Equity ETF ETF 808524797 1,267 39,952 SH SOLE 0 1,267 0 0
Schwab U.S. REIT ETF ETF 808524847 22,373 944,793 SH SOLE 0 22,373 0 0
Schwab US Broad Mkt ETF ETF 808524102 672 23,193 SH SOLE 0 672 0 0
Schwab US TIPS ETF ETF 808524870 29,196 1,101,719 SH SOLE 0 29,196 0 0
Science Applications International Corp com 808625107 2,041 18,485 SH SOLE 0 2,041 0 0
Scorpio Tankers, Inc. com Y7542C130 243 3,509 SH SOLE 0 243 0 0
Seagate Technology PLC F com G7997R103 772 800 SH SOLE 0 772 0 0
Sensata Technologies Holding NV com G8060N102 2,776 58,152 SH SOLE 0 2,776 0 0
Shell plc com 780259305 1,379 17,790 SH SOLE 0 1,379 0 0
Snap On Inc com 833034101 7,380 18,341 SH SOLE 0 7,380 0 0
Sonic Automotive Inc com 83545G102 418 4,931 SH SOLE 0 418 0 0
Sonoco Products Co com 835495102 503 8,931 SH SOLE 0 503 0 0
SPDR Barclays Cap Interm Term Corp Bond ETF ETF 78464A375 14,694 439,155 SH SOLE 0 14,694 0 0
SPDR Gold Shares com 78463V107 546 1,483 SH SOLE 0 546 0 0
SPDR Nuveen S&P High Yield Muni Bond ETF ETF 78464A284 230 9,025 SH SOLE 0 230 0 0
SPDR Portfolio High Yield Bond ETF ETF 78468R606 2,665 113,681 SH SOLE 0 2,665 0 0
SPDR Portfolio Mortgage Backed Bond ETF ETF 78464A383 269 12,036 SH SOLE 0 269 0 0
SPDR Portfolio S&P com 78464A854 445 5,059 SH SOLE 0 445 0 0
SPDR S&P 500 ETF ETF 78462F103 22,106 29,602 SH SOLE 0 22,106 0 0
Sprouts Farmers Market com 85208M102 805 9,517 SH SOLE 0 805 0 0
State Street Corp com 857477103 577 3,400 SH SOLE 0 577 0 0
Steel Dynamics, Inc. com 858119100 6,666 29,051 SH SOLE 0 6,666 0 0
Stryker Corp com 863667101 502 1,595 SH SOLE 0 502 0 0
Suncor Energy Inc com 867224107 1,767 32,910 SH SOLE 0 1,767 0 0
Sylvamo Corporation com 871332102 565 14,954 SH SOLE 0 565 0 0
Synchrony Financial com 87165B103 5,425 71,341 SH SOLE 0 5,425 0 0
SYNNEX Corp. com 87162W100 10,107 37,805 SH SOLE 0 10,107 0 0
Sysco Corporation com 871829107 539 6,445 SH SOLE 0 539 0 0
T. Rowe Price Group, Inc. com 74144T108 1,464 12,877 SH SOLE 0 1,464 0 0
Taiwan Semiconductor Manufacturing Co. com 874039100 887 1,858 SH SOLE 0 887 0 0
Tapestry Inc com 876030107 2,869 19,598 SH SOLE 0 2,869 0 0
Target Corporation com 87612E106 5,717 43,770 SH SOLE 0 5,717 0 0
Taylor Morrison Home Corporation com 87724P106 4,035 56,244 SH SOLE 0 4,035 0 0
TE Connectivity Ltd. com G87052109 5,129 25,438 SH SOLE 0 5,129 0 0
Tenet Healthcare Corp com 88033G407 1,628 8,704 SH SOLE 0 1,628 0 0
Teradata Corporation com 88076W103 289 8,338 SH SOLE 0 289 0 0
Texas Instruments Inc com 882508104 7,140 23,954 SH SOLE 0 7,140 0 0
Textron, Inc. com 883203101 1,477 16,104 SH SOLE 0 1,477 0 0
The Kraft Heinz Company com 500754106 2,621 110,971 SH SOLE 0 2,621 0 0
The Real Estate Select Sector SPDR Fund com 81369Y860 3,578 81,266 SH SOLE 0 3,578 0 0
Thermo Fisher Scientific Inc. com 883556102 2,244 4,475 SH SOLE 0 2,244 0 0
TJX Cos Inc com 872540109 2,496 16,474 SH SOLE 0 2,496 0 0
Toronto-Dominion Bank com 891160509 2,045 16,839 SH SOLE 0 2,045 0 0
Tortoise North American Pipeline Fund com 890930308 27,078 645,797 SH SOLE 0 27,078 0 0
Total SA ADS F92124100 1,201 15,447 SH SOLE 0 1,201 0 0
Toyota Motor Corporation ADR 892331307 6,232 37,004 SH SOLE 0 6,232 0 0
Trane Technologies plc com G8994E103 238 484 SH SOLE 0 238 0 0
Travel & Leisure Co. com 894164102 14,629 191,407 SH SOLE 0 14,629 0 0
Travelers Companies Inc com 89417E109 6,204 18,794 SH SOLE 0 6,204 0 0
Truist Financial Corp com 89832Q109 685 13,748 SH SOLE 0 685 0 0
Twenty-First Century Fox, Inc. Cl A com 35137L105 9,237 177,095 SH SOLE 0 9,237 0 0
Tyson Foods Inc com 902494103 411 7,176 SH SOLE 0 411 0 0
UGI Corporation New com 902681105 6,365 184,287 SH SOLE 0 6,365 0 0
Union Pacific com 907818108 3,400 12,499 SH SOLE 0 3,400 0 0
United Parcel Service, Inc. com 911312106 368 3,421 SH SOLE 0 368 0 0
United Rentals, Inc. com 911363109 12,140 10,716 SH SOLE 0 12,140 0 0
UnitedHealth Group Inc. com 91324P102 1,208 2,907 SH SOLE 0 1,208 0 0
Universal Health Services Inc. com 913903100 240 1,612 SH SOLE 0 240 0 0
Unum Group com 91529Y106 11,043 123,518 SH SOLE 0 11,043 0 0
US Bancorp com 902973304 2,968 49,131 SH SOLE 0 2,968 0 0
Valaris Limited com G9460G101 314 4,325 SH SOLE 0 314 0 0
Valero Energy Corp New com 91913Y100 4,890 18,774 SH SOLE 0 4,890 0 0
VanEck Long Muni ETF ETF 92189F536 271 15,223 SH SOLE 0 271 0 0
VanEck Vectors Gold Miners ETF ETF 92189F106 557 7,376 SH SOLE 0 557 0 0
VanEck Vectors High-Yield Muni ETF ETF 92189H409 942 18,281 SH SOLE 0 942 0 0
VanEck Vectors Junior Gold Miners ETF ETF 92189F791 1,040 10,586 SH SOLE 0 1,040 0 0
Vanguard Dividend Appreciation ETF ETF 921908844 1,049 4,433 SH SOLE 0 1,049 0 0
Vanguard Emerging Markets Stock ETF ETF 922042858 3,327 55,733 SH SOLE 0 3,327 0 0
Vanguard FTSE Developed Markets ETF ETF 921943858 379 5,319 SH SOLE 0 379 0 0
Vanguard Information Technology ETF ETF 92204A702 436 3,651 SH SOLE 0 436 0 0
Vanguard Interm-Tm Govt Bd Inx ETF ETF 92206C706 3,843 65,152 SH SOLE 0 3,843 0 0
Vanguard Intl Hi Div Yld Idx ETF ETF 921946794 60,287 613,923 SH SOLE 0 60,287 0 0
Vanguard Large Cap ETF ETF 922908637 255 741 SH SOLE 0 255 0 0
Vanguard Mid Cap ETF ETF 922908629 354 4,392 SH SOLE 0 354 0 0
Vanguard Reit Index ETF ETF 922908553 30,157 312,740 SH SOLE 0 30,157 0 0
Vanguard Russell 1000 ETF ETF 92206C730 2,346 6,926 SH SOLE 0 2,346 0 0
Vanguard S&P 500 ETF ETF 922908363 993 1,446 SH SOLE 0 993 0 0
Vanguard Small Cap ETF ETF 922908751 223 734 SH SOLE 0 223 0 0
Vanguard Small Cap Value ETF ETF 922908611 3,145 12,945 SH SOLE 0 3,145 0 0
Vanguard Tax-Exempt Bond Index ETF ETF 922907746 15,419 304,842 SH SOLE 0 15,419 0 0
Vanguard Total Bond Market ETF ETF 921937835 29,870 406,889 SH SOLE 0 29,870 0 0
Vanguard Total International Stock ETF ETF 921909768 462 5,403 SH SOLE 0 462 0 0
Vanguard Total Stock Market ETF ETF 922908769 1,132 3,060 SH SOLE 0 1,132 0 0
Vanguard Value ETF ETF 922908744 1,407 6,458 SH SOLE 0 1,407 0 0
VeriSign, Inc. com 92343E102 3,719 14,783 SH SOLE 0 3,719 0 0
Verizon Communications com 92343V104 7,132 168,438 SH SOLE 0 7,132 0 0
Vertex Pharmaceuticals Inc. com 92532F100 206 414 SH SOLE 0 206 0 0
Viatris Inc com 92556V106 487 30,673 SH SOLE 0 487 0 0
Visa, Inc. com 92826C839 8,185 23,856 SH SOLE 0 8,185 0 0
Vishay Intertechnology Inc. com 928298108 716 13,312 SH SOLE 0 716 0 0
Vontier Corp com 928881101 4,496 155,038 SH SOLE 0 4,496 0 0
W.W. Grainger, Inc. com 384802104 208 153 SH SOLE 0 208 0 0
Wal-Mart Stores Inc com 931142103 6,716 59,299 SH SOLE 0 6,716 0 0
Warrior Met Coal, Inc. com 93627C101 829 10,214 SH SOLE 0 829 0 0
Waters Corp. com 941848103 215 573 SH SOLE 0 215 0 0
Wells Fargo & Company com 949746101 973 11,772 SH SOLE 0 973 0 0
Wesco International Inc com 95082P105 636 1,841 SH SOLE 0 636 0 0
Williams Sonoma com 969904101 1,651 7,084 SH SOLE 0 1,651 0 0
WisdomTree Emerging Markets Local Debt ETF com 97717X867 9,692 337,708 SH SOLE 0 9,692 0 0
WisdomTree LargeCap Dividend ETF ETF 97717W307 315 3,274 SH SOLE 0 315 0 0
Zimmer Biomet Holdings, Inc. com 98956P102 232 2,691 SH SOLE 0 232 0 0