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
VANGUARD MALVERN FDS SHOR DURA BD ETF 922020730 619,262,244 8,294,431 SH SOLE 7,855,803 0 438,628
ISHARES TR CORE S&P500 ETF 464287200 514,215,721 671,431 SH SOLE 617,848 0 53,583
ISHARES TR MSCI USA QLT FCT 46432F339 487,816,750 2,195,000 SH SOLE 2,050,559 0 144,441
SPDR SERIES TRUST ST STR P500GRW 78464A409 422,489,676 3,432,643 SH SOLE 3,247,555 0 185,088
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 312,886,364 3,093,903 SH SOLE 2,913,160 0 180,743
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 275,089,061 10,014,163 SH SOLE 9,434,773 0 579,390
ISHARES TR MSCI USA MMENTM 46432F396 271,090,924 854,260 SH SOLE 804,668 0 49,592
ISHARES TR NATIONAL MUN ETF 464288414 255,384,869 2,526,062 SH SOLE 2,356,550 0 169,512
PIMCO ETF TR MTG BKD SECS ACT 72201R569 238,017,670 5,144,104 SH SOLE 4,887,653 0 256,451
ISHARES TR FUTURE AI BENEF 46438T408 214,837,315 8,652,642 SH SOLE 8,121,774 0 530,868
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 205,271,869 4,334,288 SH SOLE 3,860,306 0 473,982
BLACKROCK ETF TRUST II SHOR DURA HI ETF 092528108 188,789,569 8,832,260 SH SOLE 8,020,219 0 812,041
VANGUARD INDEX FDS MRNGSTR MD CP VA 922908512 181,682,256 929,178 SH SOLE 851,171 0 78,007
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 145,906,212 1,153,226 SH SOLE 1,064,492 0 88,734
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 139,473,593 4,649,120 SH SOLE 4,474,373 0 174,747
GLOBAL X FDS US PFD ETF 37954Y657 121,922,663 6,927,424 SH SOLE 6,457,168 0 470,256
ISHARES TR CORE S&P MCP ETF 464287507 119,249,038 1,657,388 SH SOLE 1,543,735 0 113,653
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 82,896,524 2,274,253 SH SOLE 2,127,065 0 147,188
FIDELITY COVINGTON TRUST QLTY FCTOR ETF 316092790 69,374,640 833,329 SH SOLE 800,040 0 33,289
ISHARES TR CORE MSCI EAFE 46432F842 68,731,516 709,450 SH SOLE 617,523 0 91,927
VANGUARD INDEX FDS MRNGSTR MD CP GR 922908538 62,714,181 214,701 SH SOLE 191,571 0 23,130
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 29,013,991 345,076 SH SOLE 331,363 0 13,713
ISHARES TR MRGSTR MD CP VAL 464288406 28,993,700 316,009 SH SOLE 311,141 0 4,868
ISHARES TR MRGSTR MD CP GRW 464288307 26,249,203 279,574 SH SOLE 277,785 0 1,789
ISHARES INC CORE MSCI EMKT 46434G103 24,636,200 303,551 SH SOLE 270,992 0 32,559
VANGUARD WORLD FD ESG US STK ETF 921910733 19,615,257 144,730 SH SOLE 144,142 0 588
AMERICAN CENTY ETF TR AVA RES MAR ETF 025072315 10,221,566 129,207 SH SOLE 128,578 0 629
VANGUARD WORLD FD ESG INTL STK ETF 921910725 9,846,357 121,455 SH SOLE 120,483 0 972
ISHARES TR ESG AW MSCI EAFE 46435G516 9,419,492 91,407 SH SOLE 90,397 0 1,010
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 8,975,944 31,551 SH SOLE 29,946 0 1,605
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 8,860,099 272,367 SH SOLE 271,480 0 887
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 8,480,487 236,028 SH SOLE 145,765 0 90,263
ISHARES TR CORE UNIVRSL USD 46434V613 8,155,548 184,975 SH SOLE 66,171 0 118,804
NORTHERN LTS FD TR IV INSPIRE 500 ETF 66537J796 7,403,569 27,205 SH SOLE 27,166 0 39
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 6,235,039 191,083 SH SOLE 191,053 0 30
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 6,149,346 8,774 SH SOLE 6,721 0 2,053
STRATEGY SHS EVEN SMAL CA ETF 86280R134 5,832,212 203,660 SH SOLE 203,660 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 5,119,536 6,713 SH SOLE 6,513 0 200
APPLE INC COM 037833100 2,724,770 8,182 SH SOLE 7,967 0 215
QUAKER INVT TR AFFORDABLE HOUS 74741A106 4,816,438 295,850 SH SOLE 295,457 0 393
ISHARES TR MSCI EAFE ETF 464287465 3,625,450 34,897 SH SOLE 34,897 0 0
FRANKLIN TEMPLETON ETF TR US MID CP MLTFCT 35473P884 3,142,083 54,702 SH SOLE 54,702 0 0
MICROSOFT CORP COM 594918104 2,981,488 5,813 SH SOLE 5,405 0 408
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 2,779,107 7,426 SH SOLE 6,251 0 1,175
ISHARES TR S&P 500 GRWT ETF 464287309 2,217,834 15,590 SH SOLE 882 0 14,708
ISHARES TR RUSSELL 2000 ETF 464287655 2,100,015 7,557 SH SOLE 7,557 0 0
ISHARES TR S&P 500 VAL ETF 464287408 2,022,561 8,860 SH SOLE 104 0 8,756
ISHARES TR RUS 1000 GRW ETF 464287614 1,937,146 15,465 SH SOLE 15,465 0 0
JANUS DETROIT STR TR HENDERSN CAP ETF 47103U100 1,916,028 22,298 SH SOLE 22,298 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,910,343 8,188 SH SOLE 7,115 0 1,073
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 1,893,494 32,896 SH SOLE 32,896 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,819,267 25,765 SH SOLE 4,809 0 20,956
ISHARES TR ESG MSCI LEADR 46435U218 1,814,940 13,317 SH SOLE 11,903 0 1,414
SPDR SERIES TRUST ST STR P500ETF 78464A854 1,798,791 20,040 SH SOLE 19,264 0 776
ISHARES INC MSCI EMRG CHN 46434G764 1,794,339 18,110 SH SOLE 18,110 0 0
ISHARES TR RUS MID CAP ETF 464287499 1,536,945 14,403 SH SOLE 13,407 0 996
ISHARES TR CORE US AGGBD ET 464287226 1,471,799 15,568 SH SOLE 15,568 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 1,456,492 25,907 SH SOLE 25,907 0 0
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 1,324,585 2,017 SH SOLE 1,858 0 159
ISHARES TR RUS 1000 VAL ETF 464287598 1,299,154 5,240 SH SOLE 5,084 0 156
SPDR GOLD TR GOLD SHS 78463V107 1,272,339 3,341 SH SOLE 3,341 0 0
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 1,176,837 13,060 SH SOLE 11,700 0 1,360
ISHARES TR CORE S&P TTL STK 464287150 1,174,769 7,065 SH SOLE 0 0 7,065
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 1,037,377 16,934 SH SOLE 16,934 0 0
GLOBAL X FDS GLB X MLP ENRG I 37954Y293 1,010,296 14,470 SH SOLE 14,470 0 0
DBX ETF TR XTRACK MSCI EAFE 233051630 934,980 28,902 SH SOLE 20,885 0 8,017
AMAZON COM INC COM 023135106 898,112 3,605 SH SOLE 3,369 0 236
SCHWAB STRATEGIC TR INTERNL DIVID 808524672 885,763 28,209 SH SOLE 28,209 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 779,660 7,458 SH SOLE 2,273 0 5,185
ISHARES TR RUS TP200 GR ETF 464289438 777,088 2,635 SH SOLE 41 0 2,594
META PLATFORMS INC CL A 30303M102 701,975 968 SH SOLE 905 0 63
FIDELITY COVINGTON TRUST MOMENTUM FACTR 316092816 676,020 7,116 SH SOLE 3,978 0 3,138
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 646,878 3,110 SH SOLE 3,110 0 0
SPROTT ASSET MANAGEMENT LP PHYSICAL GOLD TR 85207H104 625,400 20,000 SH SOLE 20,000 0 0
WISDOMTREE TR EM MKTS QTLY DIV 97717W323 613,611 15,145 SH SOLE 15,145 0 0
ISHARES TR CORE S&P SCP ETF 464287804 562,241 4,133 SH SOLE 3,725 0 408
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 560,048 6,750 SH SOLE 6,750 0 0
CATERPILLAR INC COM 149123101 537,554 663 SH SOLE 663 0 0
MASTERCARD INCORPORATED CL A 57636Q104 519,388 942 SH SOLE 898 0 44
PROGRESSIVE CORP COM 743315103 489,459 2,361 SH SOLE 2,361 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 488,484 660 SH SOLE 497 0 163
ISHARES TR RUS MD CP GR ETF 464287481 482,844 3,507 SH SOLE 3,507 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 476,105 1,334 SH SOLE 1,334 0 0
ISHARES TR INTL DIV GRWTH 46435G524 460,754 5,191 SH SOLE 5,191 0 0
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 455,778 5,812 SH SOLE 1,684 0 4,128
ALPHABET INC CAP STK CL A 02079K305 455,218 1,323 SH SOLE 1,030 0 293
JPMORGAN CHASE & CO COM 46625H100 444,636 1,344 SH SOLE 1,243 0 101
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 436,391 1,884 SH SOLE 1,884 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 435,939 6,527 SH SOLE 2,877 0 3,650
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 394,301 5,621 SH SOLE 5,621 0 0
ISHARES TR INTL EQTY FACTOR 46434V274 392,062 9,445 SH SOLE 9,445 0 0
ISHARES TR RUS 1000 ETF 464287622 391,163 940 SH SOLE 940 0 0
CINTAS CORP COM 172908105 390,120 2,000 SH SOLE 2,000 0 0
NVIDIA CORPORATION COM 67066G104 385,278 1,687 SH SOLE 1,087 0 600
SPDR INDEX SHS FDS ST STR MSCI EAFE 78463X434 374,418 3,839 SH SOLE 3,839 0 0
FIRSTSERVICE CORP NEW COM 33767E202 366,377 2,865 SH SOLE 2,865 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 352,267 5,939 SH SOLE 5,939 0 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 345,565 6,283 SH SOLE 6,283 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 342,092 687 SH SOLE 687 0 0
ALPHABET INC CAP STK CL C 02079K107 311,096 913 SH SOLE 913 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 309,104 1,923 SH SOLE 1,923 0 0
JOHNSON & JOHNSON COM 478160104 306,040 1,156 SH SOLE 1,156 0 0
ILLINOIS TOOL WKS INC COM 452308109 257,280 1,000 SH SOLE 1,000 0 0
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 243,090 1,125 SH SOLE 855 0 270
NASDAQ INC COM 631103108 230,486 2,505 SH SOLE 2,505 0 0
UNITED RENTALS INC COM 911363109 230,180 230 SH SOLE 230 0 0
CISCO SYS INC COM 17275R102 224,301 2,084 SH SOLE 1,290 0 794
ETF SER SOLUTIONS VIDENT US EQUITY 26922A503 221,734 3,058 SH SOLE 3,058 0 0
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 213,665 3,825 SH SOLE 2,723 0 1,102
FIRST TR EXCHANGE TRADED FD DORSEY WRT 5 ETF 33738R605 209,250 2,851 SH SOLE 2,851 0 0
UNITEDHEALTH GROUP INC COM 91324P102 207,401 565 SH SOLE 565 0 0