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
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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
AT&T INC COM 00206R102 423,389 17,352 SH SOLE 0 0 17,352
ABBOTT LABORATORIES COM 002824100 866,937 8,772 SH SOLE 0 0 8,772
ABBVIE INC COM 00287Y109 3,062,173 11,706 SH SOLE 0 0 11,706
ADVANCED MICRO DEVICES INC COM 007903107 2,730,897 4,464 SH SOLE 0 0 4,464
ALPHABET INC CAP STK CL C 02079K107 1,656,337 4,861 SH SOLE 0 0 4,861
ALPHABET INC CAP STK CL A 02079K305 3,743,590 10,880 SH SOLE 0 0 10,880
AMAZON COM INC COM 023135106 1,924,933 7,726 SH SOLE 0 0 7,726
AMERICAN BEACON SELECT FUNDS GLG NAT RES ETF 02368W408 73,775,766 1,495,859 SH SOLE 0 0 1,495,859
AMERICAN EXPRESS CO COM 025816109 615,498 2,024 SH SOLE 0 0 2,024
AMERIPRISE FINL INC COM 03076C106 200,386 407 SH SOLE 0 0 407
AMGEN INC COM 031162100 620,884 1,473 SH SOLE 0 0 1,473
ANALOG DEVICES INC COM 032654105 445,505 1,123 SH SOLE 0 0 1,123
ANGEL OAK FUNDS TRUST OAK ULTRASHORT 03463K752 12,607,974 248,527 SH SOLE 0 0 248,527
APPLE INC COM 037833100 16,050,565 48,197 SH SOLE 0 0 48,197
APPLIED MATLS INC COM 038222105 401,945 786 SH SOLE 0 0 786
BANK OF AMER CORP COM 060505104 584,088 10,731 SH SOLE 0 0 10,731
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,258,320 2,527 SH SOLE 0 0 2,527
BLACKROCK INC COM 09290D101 1,368,369 1,293 SH SOLE 0 0 1,293
BLUEROCK PVT REAL ESTATE FD COM 09631P102 50,573,644 4,032,986 SH SOLE 0 0 4,032,986
BONDBLOXX ETF TRUST BLOOMBERG ONE YR 09789C861 4,726,618 96,089 SH SOLE 0 0 96,089
BRISTOL-MYERS SQUIBB CO COM 110122108 360,298 5,774 SH SOLE 0 0 5,774
BROADCOM INC COM 11135F101 1,556,474 4,432 SH SOLE 0 0 4,432
CSX CORP COM 126408103 405,474 8,718 SH SOLE 0 0 8,718
CVS HEALTH CORP COM 126650100 227,421 2,654 SH SOLE 0 0 2,654
CAPITAL ONE FINL CORP COM 14040H105 255,239 1,322 SH SOLE 0 0 1,322
CATERPILLAR INC COM 149123101 1,979,949 2,442 SH SOLE 0 0 2,442
CHEVRON CORPORATION COM 166764100 2,260,605 11,070 SH SOLE 0 0 11,070
CISCO SYS INC COM 17275R102 1,444,395 13,420 SH SOLE 0 0 13,420
COCA COLA CO COM 191216100 475,850 5,528 SH SOLE 0 0 5,528
COLGATE PALMOLIVE CO COM 194162103 580,517 6,804 SH SOLE 0 0 6,804
CONOCOPHILLIPS COM 20825C104 232,779 1,860 SH SOLE 0 0 1,860
CORNING INC COM 219350105 576,139 3,747 SH SOLE 0 0 3,747
COSTCO WHOLESALE CORPORATION COM 22160K105 1,279,028 1,405 SH SOLE 0 0 1,405
DANAHER CORP DEL COM 235851102 402,113 1,815 SH SOLE 0 0 1,815
DISNEY WALT CO COM 254687106 556,180 5,302 SH SOLE 0 0 5,302
DOUBLELINE ETF TRUST COMMERCIAL REAL 25861R303 10,023,083 196,454 SH SOLE 0 0 196,454
EMERSON ELEC CO COM 291011104 674,995 4,352 SH SOLE 0 0 4,352
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 2,090,361 12,844 SH SOLE 0 0 12,844
META PLATFORMS INC CL A 30303M102 1,605,549 2,214 SH SOLE 0 0 2,214
FIRST TR EXCHANGE-TRADED FD SHS 337345102 2,616,737 7,936 SH SOLE 0 0 7,936
GABELLI EQUITY TR INC COM 362397101 85,664 16,348 SH SOLE 0 0 16,348
GE VERNOVA INC COM 36828A101 863,045 908 SH SOLE 0 0 908
GENERAL DYNAMICS CORP COM 369550108 366,340 1,104 SH SOLE 0 0 1,104
GE AEROSPACE COM NEW 369604301 774,791 2,481 SH SOLE 0 0 2,481
HCA HEALTHCARE INC COM 40412C101 460,879 1,080 SH SOLE 0 0 1,080
HOME DEPOT INC COM 437076102 1,164,133 4,092 SH SOLE 0 0 4,092
HONEYWELL INTL INC COM 438516205 322,105 1,527 SH SOLE 0 0 1,527
ILLINOIS TOOL WKS INC COM 452308109 676,132 2,628 SH SOLE 0 0 2,628
INTERCONTINENTAL EXCHANGE IN COM 45866F104 400,447 2,634 SH SOLE 0 0 2,634
INTERNATIONAL BUSINESS MACHS COM 459200101 1,444,280 6,567 SH SOLE 0 0 6,567
INVESCO QQQ TR UNIT SER 1 46090E103 1,791,723 2,422 SH SOLE 0 0 2,422
IONIC DIGITAL INC COM CL A 462210105 317,866 3,957 SH SOLE 0 0 3,957
ISHARES TR CORE S&P500 ETF 464287200 417,423,122 545,046 SH SOLE 0 0 545,046
ISHARES TR S&P 500 GRWT ETF 464287309 61,350,905 431,259 SH SOLE 0 0 431,259
ISHARES TR S&P 500 VAL ETF 464287408 1,280,194 5,608 SH SOLE 0 0 5,608
ISHARES TR MSCI EAFE ETF 464287465 1,755,949 16,902 SH SOLE 0 0 16,902
ISHARES TR RUS MD CP GR ETF 464287481 406,569 2,953 SH SOLE 0 0 2,953
ISHARES TR RUS MID CAP ETF 464287499 938,088 8,791 SH SOLE 0 0 8,791
ISHARES TR CORE S&P MCP ETF 464287507 63,152,530 877,728 SH SOLE 0 0 877,728
ISHARES TR EXPND TEC SC ETF 464287549 7,933,216 46,931 SH SOLE 0 0 46,931
ISHARES TR RUS 1000 VAL ETF 464287598 226,856 915 SH SOLE 0 0 915
ISHARES TR S&P MC 400GR ETF 464287606 42,317,023 386,069 SH SOLE 0 0 386,069
ISHARES TR RUS 1000 GRW ETF 464287614 1,951,300 15,578 SH SOLE 0 0 15,578
ISHARES TR RUS 1000 ETF 464287622 639,592 1,537 SH SOLE 0 0 1,537
ISHARES TR RUSSELL 2000 ETF 464287655 580,512 2,089 SH SOLE 0 0 2,089
ISHARES TR RUSSELL 3000 ETF 464287689 641,878 1,487 SH SOLE 0 0 1,487
ISHARES TR S&P MC 400VL ETF 464287705 37,611,080 273,118 SH SOLE 0 0 273,118
ISHARES TR CORE S&P SCP ETF 464287804 1,633,704 12,009 SH SOLE 0 0 12,009
ISHARES TR S&P SML 600 GWT 464287887 616,950 3,848 SH SOLE 0 0 3,848
ISHARES TR MSCI ACWI EX US 464288240 1,623,788 21,473 SH SOLE 0 0 21,473
ISHARES TR NEW YORK MUN ETF 464288323 1,600,373 31,678 SH SOLE 0 0 31,678
ISHARES TR ESG MSCI KLD ETF 464288570 432,400 2,958 SH SOLE 0 0 2,958
ISHARES TR MBS ETF 464288588 286,480,726 3,196,616 SH SOLE 0 0 3,196,616
ISHARES TR INTRM GOV CR ETF 464288612 498,653 4,838 SH SOLE 0 0 4,838
ISHARES TR CORE MSCI EAFE 46432F842 182,364,878 1,882,379 SH SOLE 0 0 1,882,379
ISHARES INC CORE MSCI EMKT 46434G103 96,665,943 1,191,054 SH SOLE 0 0 1,191,054
ISHARES TR IBDS DEC28 ETF 46435U515 284,494 11,398 SH SOLE 0 0 11,398
ISHARES TR IBONDS 27 ETF 46435UAA9 239,029 9,910 SH SOLE 0 0 9,910
ISHARES TR IBONDS DEC 29 46436E205 283,693 12,503 SH SOLE 0 0 12,503
ISHARES TR IBONDS DEC 2031 46436E460 320,593 16,466 SH SOLE 0 0 16,466
ISHARES TR IBOND DEC 2030 46436E593 330,065 17,381 SH SOLE 0 0 17,381
ISHARES TR IBONDS DEC 2030 46436E726 210,576 9,961 SH SOLE 0 0 9,961
ISHARES TR IBONDS 29 TRM TS 46436E825 330,176 15,556 SH SOLE 0 0 15,556
ISHARES TR IBONDS 28 TRM TS 46436E833 330,447 15,082 SH SOLE 0 0 15,082
ISHARES TR IBONDS 27 TRM TS 46436E841 330,604 14,812 SH SOLE 0 0 14,812
JPMORGAN CHASE & CO COM 46625H100 6,325,800 19,121 SH SOLE 0 0 19,121
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 67,344,345 912,525 SH SOLE 0 0 912,525
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 162,225,368 3,214,293 SH SOLE 0 0 3,214,293
JOHNSON & JOHNSON COM 478160104 2,544,681 9,612 SH SOLE 0 0 9,612
ELI LILLY & CO COM 532457108 1,674,295 1,447 SH SOLE 0 0 1,447
LISTED FDS TR ROUN MA SEVE ETF 53656G498 10,604,528 147,922 SH SOLE 0 0 147,922
LOCKHEED MARTIN CORP COM 539830109 371,243 729 SH SOLE 0 0 729
LOWES COS INC COM 548661107 475,284 2,579 SH SOLE 0 0 2,579
MARATHON PETE CORP COM 56585A102 410,051 1,037 SH SOLE 0 0 1,037
MASTERCARD INCORPORATED CL A 57636Q104 200,735 364 SH SOLE 0 0 364
MCDONALDS CORP COM 580135101 1,681,012 7,279 SH SOLE 0 0 7,279
MCKESSON CORP COM 58155Q103 613,889 719 SH SOLE 0 0 719
MERCK & CO INC COM 58933Y105 550,289 3,787 SH SOLE 0 0 3,787
METLIFE INC COM 59156R108 418,165 4,441 SH SOLE 0 0 4,441
MICROSOFT CORP COM 594918104 10,908,870 21,269 SH SOLE 0 0 21,269
MIDLAND STATES BANCORP INC COM 597742105 916,335 28,493 SH SOLE 0 0 28,493
NETFLIX INC. COM 64110L106 251,532 3,615 SH SOLE 0 0 3,615
NEXTERA ENERGY INC COM 65339F101 233,355 3,081 SH SOLE 0 0 3,081
NUCOR CORP COM 670346105 20,692,952 88,526 SH SOLE 0 0 88,526
NVIDIA CORPORATION COM 67066G104 4,406,364 19,294 SH SOLE 0 0 19,294
ORACLE CORP COM 68389X105 1,728,058 12,586 SH SOLE 0 0 12,586
PNC FINL SVCS GROUP INC COM 693475105 201,368 906 SH SOLE 0 0 906
PACER FDS TR US CASH COWS 100 69374H881 664,596 9,955 SH SOLE 0 0 9,955
PALANTIR TECHNOLOGIES INC CL A 69608A108 303,956 1,625 SH SOLE 0 0 1,625
PALO ALTO NETWORKS INC COM 697435105 1,308,342 3,293 SH SOLE 0 0 3,293
PEPSICO INC COM 713448108 772,865 6,099 SH SOLE 0 0 6,099
PFIZER INC COM 717081103 340,614 11,943 SH SOLE 0 0 11,943
PHILIP MORRIS INTL INC COM 718172109 305,121 1,599 SH SOLE 0 0 1,599
PHILLIPS 66 COM 718546104 265,522 1,040 SH SOLE 0 0 1,040
PIMCO ETF TR 15+ YR US TIPS 72201R304 48,594,483 1,077,483 SH SOLE 0 0 1,077,483
PROCTER & GAMBLE CO COM 742718109 1,412,412 9,722 SH SOLE 0 0 9,722
PULTE GROUP INC COM 745867101 942,523 8,121 SH SOLE 0 0 8,121
QUALCOMM INC COM 747525103 371,025 2,016 SH SOLE 0 0 2,016
RTX CORPORATION COM 75513E101 1,348,005 7,261 SH SOLE 0 0 7,261
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 5,079,116 6,660 SH SOLE 0 0 6,660
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 568,711 866 SH SOLE 0 0 866
SPDR SERIES TRUST SP KENSHO NEWEC 78468R648 75,606,544 1,137,796 SH SOLE 0 0 1,137,796
SPDR SERIES TRUST ST STR SP600 SML 78468R853 50,483,996 955,051 SH SOLE 0 0 955,051
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 1,955,955 62,153 SH SOLE 0 0 62,153
SELECT SECTOR SPDR TR ST STR DISCR ETF 81369Y407 288,426 2,650 SH SOLE 0 0 2,650
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 1,175,674 6,006 SH SOLE 0 0 6,006
SHERWIN WILLIAMS CO COM 824348106 7,087,371 21,924 SH SOLE 0 0 21,924
TJX COS INC NEW COM 872540109 1,073,696 8,115 SH SOLE 0 0 8,115
TESLA INC COM 88160R101 687,977 1,939 SH SOLE 0 0 1,939
TEXAS INSTRS INC COM 882508104 920,936 3,288 SH SOLE 0 0 3,288
THERMO FISHER SCIENTIFIC INC COM 883556102 261,919 388 SH SOLE 0 0 388
3M CO COM 88579Y101 294,649 1,795 SH SOLE 0 0 1,795
UNITED PARCEL SVCS INC CL B 911312106 279,946 2,996 SH SOLE 0 0 2,996
UNITEDHEALTH GROUP INC COM 91324P102 390,206 1,063 SH SOLE 0 0 1,063
VANECK FDS EMER MARK BD ETF 92107P772 77,320,579 1,565,346 SH SOLE 0 0 1,565,346
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 215,226 2,036 SH SOLE 0 0 2,036
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 289,771 1,242 SH SOLE 0 0 1,242
VANGUARD WORLD FD EXTENDED DUR 921910709 62,018,274 1,118,454 SH SOLE 0 0 1,118,454
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,882,039 26,654 SH SOLE 0 0 26,654
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 937,408 6,040 SH SOLE 0 0 6,040
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,564,731 18,859 SH SOLE 0 0 18,859
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 245,721 4,143 SH SOLE 0 0 4,143
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 15,763,889 278,219 SH SOLE 0 0 278,219
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 8,784,579 12,534 SH SOLE 0 0 12,534
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 1,018,989 12,994 SH SOLE 0 0 12,994
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 48,039,554 222,323 SH SOLE 0 0 222,323
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 821,607 2,888 SH SOLE 0 0 2,888
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 7,100,830 18,974 SH SOLE 0 0 18,974
VERIZON COMMUNICATIONS INC COM 92343V104 282,055 6,149 SH SOLE 0 0 6,149
VISA INC COM CL A 92826C839 915,214 2,547 SH SOLE 0 0 2,547
WALMART INC COM 931142103 2,183,775 21,014 SH SOLE 0 0 21,014
WASTE MGMT INC DEL COM 94106L109 252,657 1,239 SH SOLE 0 0 1,239
WISDOMTREE TR US LARGECAP DIVD 97717W307 502,038 5,165 SH SOLE 0 0 5,165
WISDOMTREE TR US MIDCAP DIVID 97717W505 1,739,240 32,238 SH SOLE 0 0 32,238
WISDOMTREE TR US SMALLCAP DIVD 97717W604 269,052 7,099 SH SOLE 0 0 7,099
WOODWARD INC COM 980745103 5,356,127 16,300 SH SOLE 0 0 16,300
EATON CORP PLC SHS G29183103 270,288 629 SH SOLE 0 0 629
LINDE PLC SHS G54950103 352,190 742 SH SOLE 0 0 742
CHUBB LIMITED COM H1467J104 214,665 660 SH SOLE 0 0 660