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 2,191,995 48,049 SH SOLE 48,049 0 0
ABBOTT LABORATORIES COM 002824100 246,208 2,491 SH SOLE 2,491 0 0
ABBVIE INC COM 00287Y109 1,187,935 4,541 SH SOLE 4,541 0 0
ADAMS DIVERSIFIED EQUITY FD COM 006212104 988,603 38,512 SH SOLE 38,512 0 0
ADVANCED MICRO DEVICES INC COM 007903107 1,795,516 2,935 SH SOLE 2,935 0 0
ALPHABET INC CAP STK CL A 02079K305 1,571,197 4,566 SH SOLE 4,566 0 0
ALPHABET INC CAP STK CL C 02079K107 3,877,697 11,380 SH SOLE 11,380 0 0
AMAZON COM INC COM 023135106 5,664,776 22,736 SH SOLE 22,736 0 0
AMEREN CORP COM 023608102 655,809 6,599 SH SOLE 6,599 0 0
AMERICAN EXPRESS CO COM 025816109 3,360,629 11,051 SH SOLE 11,051 0 0
AMETEK INC COM 031100100 1,422,640 5,743 SH SOLE 5,743 0 0
ANALOG DEVICES INC COM 032654105 1,330,503 3,354 SH SOLE 3,354 0 0
APPLE INC COM 037833100 8,273,261 24,843 SH SOLE 24,843 0 0
APPLIED INDL TECHNOLOGIES IN COM 03820C105 236,272 711 SH SOLE 711 0 0
AT&T INC COM 00206R102 300,989 12,336 SH SOLE 12,336 0 0
BANK OF AMER CORP COM 060505104 1,028,360 18,893 SH SOLE 18,893 0 0
BANK OF THE JAMES FINL GP IN COM 470299108 306,678 11,430 SH SOLE 11,430 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,691,685 9,422 SH SOLE 9,422 0 0
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 10,651,543 209,717 SH SOLE 209,717 0 0
BLACKROCK ETF TRUST II ISHA TOTA RE ETF 092528876 12,246,572 255,996 SH SOLE 255,996 0 0
BLACKROCK INC COM 09290D101 710,128 671 SH SOLE 671 0 0
BP PLC SPONSORED ADR 055622104 2,263,989 51,466 SH SOLE 51,466 0 0
BROADCOM INC COM 11135F101 4,967,503 14,145 SH SOLE 14,145 0 0
CAPITAL GRP FIXED INCM ETF T MUN INM ETF 14020Y201 842,163 32,466 SH SOLE 32,466 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 472,324 8,610 SH SOLE 8,610 0 0
CATERPILLAR INC COM 149123101 7,388,443 9,113 SH SOLE 9,113 0 0
CHARLES SCHWAB CORP (THE) COM 808513105 2,079,895 21,280 SH SOLE 21,280 0 0
CHEVRON CORPORATION COM 166764100 1,339,271 6,558 SH SOLE 6,558 0 0
CHUBB LIMITED COM H1467J104 345,087 1,061 SH SOLE 1,061 0 0
CHURCHILL DOWNS INC COM 171484108 458,706 6,061 SH SOLE 6,061 0 0
CISCO SYS INC COM 17275R102 503,315 4,676 SH SOLE 4,676 0 0
CITIGROUP INC COM NEW 172967424 377,755 2,917 SH SOLE 2,917 0 0
CITIZENS CMNTY BANCORP INC M COM 174903104 2,157,330 102,195 SH SOLE 102,195 0 0
COCA COLA CO COM 191216100 9,419,299 109,425 SH SOLE 109,425 0 0
COHEN & STEERS ETF TRUST REAL EST ACT ETF 19249U104 4,789,445 179,380 SH SOLE 179,380 0 0
COLGATE PALMOLIVE CO COM 194162103 273,542 3,206 SH SOLE 3,206 0 0
CONOCOPHILLIPS COM 20825C104 255,514 2,042 SH SOLE 2,042 0 0
CORNING INC COM 219350105 1,703,217 11,077 SH SOLE 11,077 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 321,194 353 SH SOLE 353 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105 815,430 3,080 SH SOLE 3,080 0 0
CUMMINS INC COM 231021106 1,655,343 3,204 SH SOLE 3,204 0 0
DARDEN RESTAURANTS INC COM 237194105 324,274 1,678 SH SOLE 1,678 0 0
DEERE & CO COM 244199105 1,820,755 2,711 SH SOLE 2,711 0 0
DISNEY WALT CO COM 254687106 461,007 4,395 SH SOLE 4,395 0 0
DOMINION ENERGY INC COM 25746U109 310,650 5,133 SH SOLE 5,133 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 286,749 2,515 SH SOLE 2,515 0 0
EATON CORP PLC SHS G29183103 3,988,139 9,281 SH SOLE 9,281 0 0
EDISON INTL COM 281020107 259,355 4,827 SH SOLE 4,827 0 0
ELI LILLY & CO COM 532457108 1,055,581 912 SH SOLE 912 0 0
EMERSON ELEC CO COM 291011104 215,419 1,389 SH SOLE 1,389 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 208,569 5,857 SH SOLE 5,857 0 0
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 3,882,066 23,853 SH SOLE 23,853 0 0
FASTENAL CO COM 311900104 386,334 7,800 SH SOLE 7,800 0 0
FIDELITY COVINGTON TRUST FUN LAR COR ETF 316092360 8,695,650 147,234 SH SOLE 147,234 0 0
FIDELITY COVINGTON TRUST HIGH DIVID ETF 316092840 3,719,171 61,241 SH SOLE 61,241 0 0
FIFTH THIRD BANCORP COM 316773100 442,923 8,757 SH SOLE 8,757 0 0
FIRST TR EXCHANGE TRADED FD RISNG DIVD ACHIV 33738R506 6,981,174 89,171 SH SOLE 89,171 0 0
FIRST TR EXCHANGE-TRADED FD NASDQ CLN EDGE 33737A108 2,941,208 16,607 SH SOLE 16,607 0 0
FIRST TR EXCHANGE-TRADED FD SHS 336917109 1,030,585 20,985 SH SOLE 20,985 0 0
FIRST TR EXCHANGE-TRADED FD WTR ETF 33733B100 578,683 5,576 SH SOLE 5,576 0 0
FORD MTR CO COM 345370860 171,458 14,217 SH SOLE 14,217 0 0
GABELLI EQUITY TR INC COM 362397101 65,620 12,523 SH SOLE 12,523 0 0
GE AEROSPACE COM NEW 369604301 391,843 1,255 SH SOLE 1,255 0 0
GE VERNOVA INC COM 36828A101 412,029 433 SH SOLE 433 0 0
GENERAC HLDGS INC COM 368736104 219,988 1,063 SH SOLE 1,063 0 0
GENERAL DYNAMICS CORP COM 369550108 1,065,424 3,211 SH SOLE 3,211 0 0
HAWAIIAN ELEC INDS INC MTN B COM 419870100 250,535 28,024 SH SOLE 28,024 0 0
HOME DEPOT INC COM 437076102 901,690 3,169 SH SOLE 3,169 0 0
HONEYWELL AEROSPACE INC COM 43849R105 396,878 2,561 SH SOLE 2,561 0 0
HONEYWELL INTL INC COM 438516205 577,762 2,739 SH SOLE 2,739 0 0
HUBBELL INC COM 443510607 232,639 513 SH SOLE 513 0 0
HUNTINGTON INGALLS INDS INC COM 446413106 475,581 1,781 SH SOLE 1,781 0 0
ILLINOIS TOOL WKS INC COM 452308109 558,827 2,172 SH SOLE 2,172 0 0
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698 1,319,190 10,252 SH SOLE 10,252 0 0
INVESCO EXCH TRD SLF IDX FD RAFI STRATGIC US 46138J742 1,346,394 19,854 SH SOLE 19,854 0 0
INVESCO EXCHANGE TRADED FD T AI AND NEXT GEN 46137V639 1,132,036 11,132 SH SOLE 11,132 0 0
ISHARES GOLD TR ISHARES NEW 464285204 1,718,455 22,003 SH SOLE 22,003 0 0
ISHARES TR 0-3 MTH TREASURY 46436E718 295,913 2,939 SH SOLE 2,939 0 0
ISHARES TR CORE DIV GRWTH 46434V621 638,623 8,471 SH SOLE 8,471 0 0
ISHARES TR CORE DIVID ETF 46435U861 432,890 6,710 SH SOLE 6,710 0 0
ISHARES TR CORE S&P MCP ETF 464287507 14,696,606 204,261 SH SOLE 204,261 0 0
ISHARES TR CORE S&P US GWT 464287671 2,269,253 11,712 SH SOLE 11,712 0 0
ISHARES TR CORE S&P500 ETF 464287200 51,487,774 67,230 SH SOLE 67,230 0 0
ISHARES TR EXPANDED TECH 464287515 530,376 4,981 SH SOLE 4,981 0 0
ISHARES TR EXPND TEC SC ETF 464287549 1,643,893 9,725 SH SOLE 9,725 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 270,434 5,279 SH SOLE 5,279 0 0
ISHARES TR RUS 1000 ETF 464287622 272,955 656 SH SOLE 656 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 4,859,023 38,791 SH SOLE 38,791 0 0
ISHARES TR RUS MID CAP ETF 464287499 3,175,235 29,756 SH SOLE 29,756 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 1,503,396 3,483 SH SOLE 3,483 0 0
JOBY AVIATION INC COMMON STOCK G65163100 163,350 27,000 SH SOLE 27,000 0 0
JOHNSON & JOHNSON COM 478160104 1,218,730 4,603 SH SOLE 4,603 0 0
JOHNSON CONTROLS INTERNATION SHS G51502105 418,598 2,816 SH SOLE 2,816 0 0
JPMORGAN CHASE & CO COM 46625H100 2,656,506 8,030 SH SOLE 8,030 0 0
LINDE PLC SHS G54950103 1,754,392 3,696 SH SOLE 3,696 0 0
LOCKHEED MARTIN CORP COM 539830109 743,577 1,460 SH SOLE 1,460 0 0
MARRIOTT INTL INC NEW CL A 571903202 528,221 1,485 SH SOLE 1,485 0 0
MASTERCARD INCORPORATED CL A 57636Q104 276,511 501 SH SOLE 501 0 0
MCDONALDS CORP COM 580135101 256,126 1,109 SH SOLE 1,109 0 0
MERCK & CO INC COM 58933Y105 1,004,857 6,915 SH SOLE 6,915 0 0
MICROSOFT CORP COM 594918104 9,522,195 18,565 SH SOLE 18,565 0 0
NETFLIX INC. COM 64110L106 1,130,397 16,246 SH SOLE 16,246 0 0
NEXTERA ENERGY INC COM 65339F101 500,833 6,613 SH SOLE 6,613 0 0
NORFOLK SOUTHN CORP COM 655844108 570,791 1,847 SH SOLE 1,847 0 0
NORTHROP GRUMMAN CORP COM 666807102 277,011 573 SH SOLE 573 0 0
NUTRIEN LTD COM 67077M108 227,610 3,240 SH SOLE 3,240 0 0
NVIDIA CORPORATION COM 67066G104 3,482,414 15,248 SH SOLE 15,248 0 0
NYLIM ACTIVE ETF TR MACKAY MUN INTER 45409F827 826,866 36,139 SH SOLE 36,139 0 0
ONEOK INC NEW COM 30609A109 214,836 2,519 SH SOLE 2,519 0 0
PACCAR INC COM 693718108 657,242 5,985 SH SOLE 5,985 0 0
PALO ALTO NETWORKS INC COM 697435105 325,794 820 SH SOLE 820 0 0
PARKER-HANNIFIN CORP COM 701094104 2,214,305 2,318 SH SOLE 2,318 0 0
PEPSICO INC COM 713448108 204,364 1,613 SH SOLE 1,613 0 0
PFIZER INC COM 717081103 551,565 19,340 SH SOLE 19,340 0 0
PGIM ETF TR ACTV HY BD ETF 69344A206 2,148,036 64,255 SH SOLE 64,255 0 0
PGIM ETF TR TOTA RETU BD ETF 69344A800 12,136,724 307,726 SH SOLE 307,726 0 0
PHILLIPS 66 COM 718546104 217,003 850 SH SOLE 850 0 0
PRINCIPAL EXCHANGE TRADED FD PRIN U S SMALL 74255Y607 9,870,730 147,921 SH SOLE 147,921 0 0
PROCTER & GAMBLE CO COM 742718109 953,978 6,566 SH SOLE 6,566 0 0
PROLOGIS INC. COM 74340W103 449,245 3,460 SH SOLE 3,460 0 0
QUALCOMM INC COM 747525103 212,049 1,152 SH SOLE 1,152 0 0
QUANTA SVCS INC COM 74762E102 938,498 1,461 SH SOLE 1,461 0 0
QUANTUM COMPUTING INC COM 74766W108 124,105 14,687 SH SOLE 14,687 0 0
RAYMOND JAMES FINL INC COM 754730109 1,151,824 7,289 SH SOLE 7,289 0 0
REPUBLIC SVCS INC COM 760759100 293,230 1,397 SH SOLE 1,397 0 0
ROYAL CARIBBEAN GROUP COM V7780T103 443,986 1,670 SH SOLE 1,670 0 0
RTX CORPORATION COM 75513E101 1,742,413 9,385 SH SOLE 9,385 0 0
RUSH STREET INTERACTIVE INC COM 782011100 221,638 10,902 SH SOLE 10,902 0 0
RYMAN HOSPITALITY PPTYS INC COM 78377T107 587,392 4,914 SH SOLE 4,914 0 0
SANDISK CORP COM 80004C200 354,938 204 SH SOLE 204 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 14,420,930 395,636 SH SOLE 395,636 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 5,984,734 190,173 SH SOLE 190,173 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 6,071,715 168,987 SH SOLE 168,987 0 0
SHELL PLC SPON ADS 780259305 2,106,215 22,159 SH SOLE 22,159 0 0
SHERWIN WILLIAMS CO COM 824348106 357,190 1,105 SH SOLE 1,105 0 0
SOUTHERN CO COM 842587107 314,124 3,790 SH SOLE 3,790 0 0
SPACE EXPLORATION TECHN CORP CLASS A COM STK 84615Q103 549,885 3,645 SH SOLE 3,645 0 0
SPDR GOLD TR GOLD SHS 78463V107 242,595 637 SH SOLE 637 0 0
SPDR INDEX SHS FDS ST MAR DIVID ETF 78463X533 505,826 12,595 SH SOLE 12,595 0 0
SPDR INDEX SHS FDS ST STR ACWI ETF 78463X848 221,194 5,474 SH SOLE 5,474 0 0
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 33,003,450 657,308 SH SOLE 657,308 0 0
SPDR SERIES TRUST ST SHOR CORP ETF 78464A474 314,899 10,642 SH SOLE 10,642 0 0
SPDR SERIES TRUST ST STR P500VAL 78464A508 6,159,302 100,757 SH SOLE 100,757 0 0
SPDR SERIES TRUST ST STR SP1500VT 78464A128 14,248,593 59,621 SH SOLE 59,621 0 0
SSGA ACTIVE ETF TR ST STR REAL ETF 78467V103 10,419,791 287,919 SH SOLE 287,919 0 0
STATE STR CORP COM 857477103 733,205 4,200 SH SOLE 4,200 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,739,801 2,281 SH SOLE 2,281 0 0
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 2,150,954 3,275 SH SOLE 3,275 0 0
TESLA INC COM 88160R101 524,054 1,477 SH SOLE 1,477 0 0
TEXAS INSTRS INC COM 882508104 1,412,201 5,042 SH SOLE 5,042 0 0
TEXAS PACIFIC LAND CORPORATI COM 88262P102 413,216 1,268 SH SOLE 1,268 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 256,906 381 SH SOLE 381 0 0
TJX COS INC NEW COM 872540109 1,306,259 9,873 SH SOLE 9,873 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 3,300,358 7,302 SH SOLE 7,302 0 0
TRAVELERS COMPANIES INC COM 89417E109 1,616,438 4,534 SH SOLE 4,534 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 584,975 961 SH SOLE 961 0 0
VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 202,391 599 SH SOLE 599 0 0
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 316,332 1,369 SH SOLE 1,369 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 313,772 448 SH SOLE 448 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 2,136,451 43,406 SH SOLE 43,406 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 556,309 7,201 SH SOLE 7,201 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 1,377,612 10,685 SH SOLE 10,685 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 742,453 3,182 SH SOLE 3,182 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 201,306 1,602 SH SOLE 1,602 0 0
VERTIV HOLDINGS CO COM CL A 92537N108 1,039,027 4,306 SH SOLE 4,306 0 0
VISA INC COM CL A 92826C839 2,878,785 8,012 SH SOLE 8,012 0 0
WALMART INC COM 931142103 442,181 4,255 SH SOLE 4,255 0 0
WASTE MGMT INC DEL COM 94106L109 689,641 3,382 SH SOLE 3,382 0 0
WATERBRIDGE INFRASTRUCTURE L CL A SHS REPSTG 940923105 389,593 13,855 SH SOLE 13,855 0 0
WELLTOWER INC COM 95040Q104 1,296,602 5,632 SH SOLE 5,632 0 0
WINCHESTER BANCORP INC COM 97269D103 355,025 27,500 SH SOLE 27,500 0 0
WP CAREY INC COM 92936U109 334,664 5,178 SH SOLE 5,178 0 0