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
VANECK SHORT MUNI ETF ETF 92189F528 201,865 11,931 SH SOLE 0 0 11,931
KLA CORP COM NEW COM 482480100 204,128 1,047 SH SOLE 0 0 1,047
QUANTA SVCS INC COM COM 74762E102 204,647 319 SH SOLE 0 0 319
UNITEDHEALTH GROUP COM 91324P102 209,794 572 SH SOLE 0 0 572
WISDOMTREE LARGE CAP DIVIDEND ETF 97717W307 210,042 2,161 SH SOLE 0 0 2,161
MCDONALDS CORP COM COM 580135101 211,599 916 SH SOLE 0 0 916
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339 211,617 952 SH SOLE 0 0 952
ISHARES MSCI EAFE ETF ETF 464287465 213,693 2,057 SH SOLE 0 0 2,057
METLIFE INC COM COM 59156R108 214,578 2,279 SH SOLE 0 0 2,279
COLUMBIA EM CORE EX-CHINA ETF ETF 19762B202 222,073 4,320 SH SOLE 0 0 4,320
FIDELITY MSCI UTILS INDEX ETF ETF 316092865 222,277 4,354 SH SOLE 0 0 4,354
ISHARES 7-10 YR TREASURY BOND ETF ETF 464287440 232,927 2,608 SH SOLE 0 0 2,608
MORGAN STANLEY COM 617446448 233,673 1,242 SH SOLE 0 0 1,242
TAIWAN SEMICONDUCTR MNFCTRNG CO LTD ADR 874039100 233,879 513 SH SOLE 0 0 513
GOLDMAN SACHS GROUP INC COM 38141G104 233,908 260 SH SOLE 0 0 260
RIVIAN AUTOMOTIVE INC COM CL A COM 76954A103 235,723 15,778 SH SOLE 0 0 15,778
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 238,256 1,902 SH SOLE 0 0 1,902
SERVICENOW INC COM COM 81762P102 246,332 1,838 SH SOLE 0 0 1,838
ISHARES S&P SMALLCAP 600 VALUE ETF ETF 464287879 247,763 1,934 SH SOLE 0 0 1,934
CAPITAL ONE FINANCIAL CORP COM 14040H105 248,263 1,286 SH SOLE 0 0 1,286
HONEYWELL INTL INC COM 438516205 254,555 1,207 SH SOLE 0 0 1,207
THERMO FISHER SCIENTIFIC INC COM COM 883556102 256,601 380 SH SOLE 0 0 380
IDEXX LABS INC COM COM 45168D104 257,440 493 SH SOLE 0 0 493
COSTCO WHOLESALE CORP COM 22160K105 259,049 285 SH SOLE 0 0 285
WISDOMTREE SMALLCAP DIVIDEND ETF 97717W604 259,343 6,843 SH SOLE 0 0 6,843
PFIZER INC COM COM 717081103 264,690 9,281 SH SOLE 0 0 9,281
ALTRIA GROUP INC COM COM 02209S103 266,827 3,962 SH SOLE 0 0 3,962
FULTON FINANCIAL CORP-PA COM 360271100 270,269 11,980 SH SOLE 0 0 11,980
AMGEN INC COM 031162100 271,701 645 SH SOLE 0 0 645
SIMON PPTY GROUP INC NEW COM REIT 828806109 271,786 1,354 SH SOLE 0 0 1,354
ISHARES TR RUSSELL 1000 INDEX ETF ETF 464287622 272,224 654 SH SOLE 0 0 654
MODERNA INC COM COM 60770K107 275,375 1,430 SH SOLE 0 0 1,430
CSX CORP COM 126408103 277,732 5,971 SH SOLE 0 0 5,971
EMERSON ELEC CO COM COM 291011104 285,863 1,843 SH SOLE 0 0 1,843
COCA COLA CO COM COM 191216100 287,412 3,339 SH SOLE 0 0 3,339
MASCO CORP COM COM 574599106 287,596 4,267 SH SOLE 0 0 4,267
PALANTIR TECHNOLOGIES INC CL A COM 69608A108 289,553 1,548 SH SOLE 0 0 1,548
FIFTH THIRD BANCORP COM 316773100 289,722 5,728 SH SOLE 0 0 5,728
NUVEEN MUN VALUE FD CEF 670928100 290,840 35,083 SH SOLE 0 0 35,083
FIDELITY HIGH DIVIDEND ETF ETF 316092840 292,095 4,810 SH SOLE 0 0 4,810
DUKE ENERGY CORP NEW COM NEW COM 26441C204 294,406 2,582 SH SOLE 0 0 2,582
PEPSICO INC COM COM 713448108 295,461 2,332 SH SOLE 0 0 2,332
ARISTA NETWORKS INC COM SHS COM 040413205 297,471 1,461 SH SOLE 0 0 1,461
WELLS FARGO & CO COM COM 949746101 305,972 3,822 SH SOLE 0 0 3,822
MARVELL TECHNOLOGY GROUP LTD COM 573874104 307,450 1,164 SH SOLE 0 0 1,164
PHILLIPS 66 COM 718546104 315,693 1,237 SH SOLE 0 0 1,237
WISDOMTREE MIDCAP EARNINGS ETF ETF 97717W570 318,195 4,442 SH SOLE 0 0 4,442
VISA INC COM 92826C839 320,241 891 SH SOLE 0 0 891
ABRDN PHYSICAL GOLD SHARES ETF ETF 00326A104 321,662 8,131 SH SOLE 0 0 8,131
CORNING INC COM COM 219350105 323,545 2,104 SH SOLE 0 0 2,104
ORACLE CORPORATION COM 68389X105 330,566 2,408 SH SOLE 0 0 2,408
MASTERCARD INC COM 57636Q104 331,901 602 SH SOLE 0 0 602
DISNEY WALT CO COM COM 254687106 333,694 3,181 SH SOLE 0 0 3,181
FIDELITY MSCI MATLS INDEX ETF ETF 316092881 335,155 6,013 SH SOLE 0 0 6,013
CVS HEALTH CORP COM COM 126650100 338,966 3,956 SH SOLE 0 0 3,956
APPLIED MATLS INC COM COM 038222105 342,589 670 SH SOLE 0 0 670
TJX COS INC NEW COM COM 872540109 345,812 2,614 SH SOLE 0 0 2,614
GE VERNOVA INC COM COM 36828A101 355,131 374 SH SOLE 0 0 374
FIDELITY MSCI INDL INDEX ETF ETF 316092709 359,609 4,060 SH SOLE 0 0 4,060
VANGUARD RUSSELL 1000 VALUE ETF ETF 92206C714 360,341 3,315 SH SOLE 0 0 3,315
BRISTOL-MYERS SQUIBB CO COM COM 110122108 371,457 5,953 SH SOLE 0 0 5,953
BANK OF NY MELLON CORP COM COM 064058100 372,541 2,576 SH SOLE 0 0 2,576
CHUBB LIMITED COM COM H1467J104 380,944 1,171 SH SOLE 0 0 1,171
HOME DEPOT COM 437076102 397,249 1,396 SH SOLE 0 0 1,396
FIDELITY WISE ORIGIN BITCOIN FUND ETF 315948109 397,777 5,476 SH SOLE 0 0 5,476
TRAVELERS COMPANIES INC COM COM 89417E109 402,932 1,130 SH SOLE 0 0 1,130
LAM RESEARCH CORP COM NEW COM 512807306 409,074 1,245 SH SOLE 0 0 1,245
AMERICAN EXPRESS CO COM COM 025816109 413,505 1,360 SH SOLE 0 0 1,360
VANGUARD MID CAP ETF 922908629 414,121 5,281 SH SOLE 0 0 5,281
VANGUARD SHORT TERM GOVT BD IDX FD ETF 92206C102 416,984 7,244 SH SOLE 0 0 7,244
HEALTH CARE SELECT SECTOR SPDR ETF 81369Y209 420,058 2,494 SH SOLE 0 0 2,494
FRANKLIN DYNAMIC MUNICIPAL BOND ETF ETF 35473P868 423,678 18,168 SH SOLE 0 0 18,168
SPDR SER TR S&P SEMICONDUCTOR ETF ETF 78464A862 437,290 826 SH SOLE 0 0 826
ABBOTT LABORATORIES COM COM 002824100 441,706 4,469 SH SOLE 0 0 4,469
SPACE EXPLORATION TECHN CORP CLSS A COM 84615Q103 448,205 2,971 SH SOLE 0 0 2,971
ISHARES TR S&P 1500 INDEX FD ETF 464287150 478,464 2,877 SH SOLE 0 0 2,877
DELL TECHNOLOGIES INC CL C COM 24703L202 483,790 899 SH SOLE 0 0 899
ISHARES BITCOIN TRUST ETF ETF 46438F101 488,394 10,317 SH SOLE 0 0 10,317
BANK OF AMER CORP COM COM 060505104 499,881 9,184 SH SOLE 0 0 9,184
VCTRY US SMLL CP HGH IVD VLTLTY WTD ETF 92647N873 503,184 8,181 SH SOLE 0 0 8,181
GILEAD SCIENCES INC COM 375558103 506,845 3,401 SH SOLE 0 0 3,401
CAPITAL GROUP CORE BOND ETF ETF 14020Y508 520,134 20,822 SH SOLE 0 0 20,822
MARSH & MCLENNAN COS INC COM COM 571748102 536,148 3,140 SH SOLE 0 0 3,140
ROCKWELL AUTOMATION INC COM COM 773903109 539,465 1,239 SH SOLE 0 0 1,239
TECHNOLOGY SELECT SECTOR SPDR ETF 81369Y803 540,714 2,762 SH SOLE 0 0 2,762
FIDELITY MSCI HEALTH CARE INDEX ETF ETF 316092600 541,741 6,631 SH SOLE 0 0 6,631
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 556,526 17,108 SH SOLE 0 0 17,108
VERIZON COMMUNICATIONS COM 92343V104 565,540 12,329 SH SOLE 0 0 12,329
SCHWAB US MID-CAP ETF ETF 808524508 570,068 16,757 SH SOLE 0 0 16,757
QUALCOMM INC COM COM 747525103 570,242 3,098 SH SOLE 0 0 3,098
SPDR GOLD ETF ETF 78463V107 574,688 1,509 SH SOLE 0 0 1,509
TESLA MOTORS INC COM 88160R101 578,933 1,632 SH SOLE 0 0 1,632
PROCTER & GAMBLE CO COM COM 742718109 592,540 4,079 SH SOLE 0 0 4,079
INSPIRE GLOBAL HOPE ETF ETF 66538H658 597,094 12,639 SH SOLE 0 0 12,639
TIMOTHY PLAN US SMALL CAP CORE ETF ETF 887432342 603,724 13,505 SH SOLE 0 0 13,505
ALLSPRING BROAD MARKET CORE BOND ETF 01989A308 604,719 25,655 SH SOLE 0 0 25,655
PALO ALTO NETWORKS INC COM COM 697435105 611,460 1,539 SH SOLE 0 0 1,539
LOWES COS INC COM COM 548661107 620,573 3,367 SH SOLE 0 0 3,367
CAPITAL GROUP GLOBAL GROWTH EQUITY ETF 14020X104 623,128 15,664 SH SOLE 0 0 15,664
INTEL CORP COM COM 458140100 629,263 5,234 SH SOLE 0 0 5,234
VCTRYSRS US LRG CP HGH DIV VLTL WTD ETF 92647N865 630,061 8,439 SH SOLE 0 0 8,439
GENERAL MOTORS CORP COM 37045V100 631,636 8,203 SH SOLE 0 0 8,203
ETFS SILVER TR SILVER SHS ETF ETF 003264108 638,090 11,134 SH SOLE 0 0 11,134
GE AEROSPACE COM NEW COM 369604301 638,893 2,046 SH SOLE 0 0 2,046
ELI LILLY & CO COM COM 532457108 651,043 563 SH SOLE 0 0 563
ISHARES S&P 500 GROWTH ETF ETF 464287309 652,057 4,584 SH SOLE 0 0 4,584
CITIGROUP INC COM 172967424 657,725 5,080 SH SOLE 0 0 5,080
CROWDSTRIKE HLDGS INC CL A COM 22788C105 662,405 2,502 SH SOLE 0 0 2,502
FORTINET INC COM COM 34959E109 671,601 3,757 SH SOLE 0 0 3,757
FT VEST US EQTY DEEP BUFFER JAN ETF 33740F631 678,815 14,545 SH SOLE 0 0 14,545
JOHN HANCOCK MULTIFACTOR MID CAP ETF 47804J206 693,201 9,695 SH SOLE 0 0 9,695
RTX CORPORATION COM COM 75513E101 693,524 3,736 SH SOLE 0 0 3,736
ABBVIE INC COM COM 00287Y109 697,510 2,666 SH SOLE 0 0 2,666
ISHR TR DOW JONESUS AEROSPACE & DEF ETF 464288760 699,364 3,376 SH SOLE 0 0 3,376
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 711,506 10,077 SH SOLE 0 0 10,077
NUVEEN ESG MID-CAP VALUE ETF ETF 67092P508 722,009 17,057 SH SOLE 0 0 17,057
BERKSHIRE HATHAWAY INC DEL CL A COM 084670108 747,005 1 SH SOLE 0 0 1
LOCKHEED MARTIN CORP COM 539830109 758,222 1,489 SH SOLE 0 0 1,489
NETFLIX COM INC COM 64110L106 767,957 11,037 SH SOLE 0 0 11,037
STT STRT SPDR MSCI USA STRTGCFCTORS ETF 78468R812 784,138 4,125 SH SOLE 0 0 4,125
ISHARES MSCI INTL QUALITY FACTR ETF ETF 46434V456 795,339 16,077 SH SOLE 0 0 16,077
MARATHON PETE CORP COM 56585A102 808,850 2,046 SH SOLE 0 0 2,046
NUVEEN ESG LARGE-CAP GROWTH ETF ETF 67092P201 811,257 7,136 SH SOLE 0 0 7,136
MERCK & CO INC COM 58933Y105 836,469 5,756 SH SOLE 0 0 5,756
ISHARES TR HIGH DIVID EQUITY FD ETF 46429B663 863,171 30,872 SH SOLE 0 0 30,872
INSPIRE 100 ETF ETF 66538H534 864,679 15,995 SH SOLE 0 0 15,995
ISHARES 1-3 YR TREASURY BOND ETF ETF 464287457 868,678 10,698 SH SOLE 0 0 10,698
VANGUARD MEGA CAP VALUE ETF ETF 921910840 889,367 5,521 SH SOLE 0 0 5,521
ISH 5-10 YR INVEST GRADE CORP BD ETF 464288638 896,247 17,800 SH SOLE 0 0 17,800
PRUDENTIAL FINL INC COM 744320102 896,634 7,894 SH SOLE 0 0 7,894
WALMART INC COM COM 931142103 909,879 8,756 SH SOLE 0 0 8,756
AVANTIS EMERGING MARKETS EQUITY ETF ETF 025072604 910,912 9,688 SH SOLE 0 0 9,688
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649 912,622 37,114 SH SOLE 0 0 37,114
NUVEEN ESG SMALL-CAP ETF ETF 67092P607 918,945 18,938 SH SOLE 0 0 18,938
CHARLES SCHWAB CORP COM 808513105 927,417 9,489 SH SOLE 0 0 9,489
ISHR JPMORG USD EMERG MARKTS BD ETF ETF 464288281 930,914 10,248 SH SOLE 0 0 10,248
WISDOMTREE MIDCAP DIVIDEND ETF 97717W505 955,991 17,720 SH SOLE 0 0 17,720
INTL BUSINESS MACHINES COM 459200101 983,305 4,471 SH SOLE 0 0 4,471
SPDR PORTFOLIO LONG TERM TREASURY ETF 78464A664 1,001,515 41,992 SH SOLE 0 0 41,992
SEAGATE TECHNOLOGY COM G7997R103 1,013,821 1,099 SH SOLE 0 0 1,099
NUVEEN ESG MID-CAP GROWTH ETF ETF 67092P409 1,023,401 22,622 SH SOLE 0 0 22,622
VANGUARD RUSSELL 1000 GROWTH ETF ETF 92206C680 1,040,192 8,068 SH SOLE 0 0 8,068
ISHR IBOXX HIGH YIELD CORP BD ETF ETF 464288513 1,055,417 13,669 SH SOLE 0 0 13,669
STATE STREET SPDR S&P 500 ETF ETF 78462F103 1,067,099 1,399 SH SOLE 0 0 1,399
PACER US CASH COWS 100 ETF ETF 69374H881 1,077,053 16,133 SH SOLE 0 0 16,133
SPDR BLMBRG EMRGNG MRKTS USD BND ETF 78468R515 1,125,726 47,161 SH SOLE 0 0 47,161
BROADCOM INC COM COM 11135F101 1,146,838 3,266 SH SOLE 0 0 3,266
ISHARES S&P MIDCAP 400 GROWTH INDEX ETF 464287606 1,189,052 10,848 SH SOLE 0 0 10,848
TMTHY PN TMTHY PN US LRG/MD CP CR ETF 887432359 1,199,011 24,783 SH SOLE 0 0 24,783
VALERO ENERGY CORP COM 91913Y100 1,220,471 3,149 SH SOLE 0 0 3,149
CHEVRON CORPORATION COM COM 166764100 1,222,960 5,989 SH SOLE 0 0 5,989
CATERPILLAR INC COM COM 149123101 1,235,516 1,524 SH SOLE 0 0 1,524
AT&T INC COM COM 00206R102 1,251,041 51,272 SH SOLE 0 0 51,272
ISHARES S&P SMALLCAP 600 GROWTH ETF ETF 464287887 1,260,530 7,862 SH SOLE 0 0 7,862
ISHARES FLOATING RATE BOND ETF ETF 46429B655 1,274,350 24,963 SH SOLE 0 0 24,963
PUTNAM FOCUSED LARGE CAP VALUE ETF ETF 746729300 1,286,474 24,448 SH SOLE 0 0 24,448
ISHARES ETF CURRENCY BOND FUND ETF 464286517 1,290,840 30,552 SH SOLE 0 0 30,552
VANGUARD FTSE ALL-WORLD EX-US ETF 922042775 1,290,847 15,558 SH SOLE 0 0 15,558
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 1,296,106 5,555 SH SOLE 0 0 5,555
WISDOMTREE FLOATING RATE TREASRY FD ETF 97717Y527 1,311,648 26,030 SH SOLE 0 0 26,030
CAPITAL GROUP INTL FOCUS EQUITY ETF ETF 14019W109 1,314,925 38,347 SH SOLE 0 0 38,347
ISHARES S&P MIDCAP 400 VALUE ETF ETF 464287705 1,361,330 9,885 SH SOLE 0 0 9,885
VANGUARD SMALL CAP ETF ETF 922908751 1,373,179 4,827 SH SOLE 0 0 4,827
ISH BROAD USD HGH YD CORP BD ETF ETF 46435U853 1,404,296 39,314 SH SOLE 0 0 39,314
JOHNSON & JOHNSON COM COM 478160104 1,426,767 5,389 SH SOLE 0 0 5,389
SCHWAB FUNDAMENTAL US SMALL CO INDX ETF 808524763 1,498,412 42,812 SH SOLE 0 0 42,812
INSPIRE 500 ETF ETF 66537J796 1,508,674 5,544 SH SOLE 0 0 5,544
MICRON TECHNOLOGY COM 595112103 1,529,364 1,436 SH SOLE 0 0 1,436
CAPITAL GROUP MUNICIPAL HIGH-INCOME ETF 14020Y805 1,546,004 64,229 SH SOLE 0 0 64,229
CISCO SYS INC COM 17275R102 1,553,301 14,432 SH SOLE 0 0 14,432
SPDR BLMBRG EMRGNG MRKTS LCL BD ETF ETF 78464A391 1,570,587 76,242 SH SOLE 0 0 76,242
ISHR INT SELECT DIV ETF ETF 464288448 1,610,981 38,184 SH SOLE 0 0 38,184
AVANTIS U.S. LARGE CAP VALUE ETF ETF 025072349 1,616,395 17,873 SH SOLE 0 0 17,873
ISHR TRUST CORE SHRT TERM US BD ETF ETF 46432F859 1,662,364 35,182 SH SOLE 0 0 35,182
GLDMN SCHS ACT EBETA US LRG CAP EQ ETF 381430503 1,697,598 11,704 SH SOLE 0 0 11,704
CAPITAL GROUP DIVIDEND GROWERS ETF ETF 14021L109 1,754,497 47,380 SH SOLE 0 0 47,380
SPDR PRTFLIO INTERMEDIATE TRM TRSRY ETF 78464A672 1,775,016 65,067 SH SOLE 0 0 65,067
ADVANCED MICRO DEVICES INC COM COM 007903107 1,860,729 3,042 SH SOLE 0 0 3,042
TCW FLEXIBLE INCOME ETF ETF 29287L700 1,864,653 49,160 SH SOLE 0 0 49,160
SPDR PORTFOLIO SHORT TERM TREASURY ETF 78468R101 1,965,957 68,572 SH SOLE 0 0 68,572
BERKSHIRE HATHAWAY INC DEL CL B NEW COM 084670702 2,030,142 4,077 SH SOLE 0 0 4,077
CAPITAL GROUP GROWTH ETF ETF 14020G101 2,032,327 42,849 SH SOLE 0 0 42,849
ISHARES GOLD TRUST ETF ETF 464285204 2,052,156 26,276 SH SOLE 0 0 26,276
CAPITAL GROUP CORE PLUS INCOME ETF ETF 14020Y102 2,086,549 98,562 SH SOLE 0 0 98,562
HARTFORD MUNICIPAL OPPORTUNITIES ETF 41653L503 2,087,051 56,636 SH SOLE 0 0 56,636
INSPIRE CORPORATE BOND ETF ETF 66538H633 2,115,648 91,985 SH SOLE 0 0 91,985
ALPHABET INC CAP STK CL C COM 02079K107 2,142,841 6,289 SH SOLE 0 0 6,289
ISHARES ESG MSCI KLD 400 ETF ETF 464288570 2,153,886 14,734 SH SOLE 0 0 14,734
GLOBAL X NASDAQ 100 COVERED CALL ETF 37954Y483 2,165,075 116,716 SH SOLE 0 0 116,716
META PLATFORMS INC CL A COM 30303M102 2,216,880 3,057 SH SOLE 0 0 3,057
T. ROWE PRICE CAPITAL APPRCTN EQUTY ETF 87283Q867 2,267,138 53,635 SH SOLE 0 0 53,635
ISHARES INTERNTNL CNTRY RTTN ACTV ETF 09290C764 2,379,362 65,457 SH SOLE 0 0 65,457
VANGUARD Intmd-TERM CORP BD ETF ETF 92206C870 2,438,644 31,141 SH SOLE 0 0 31,141
ISHR TRST COR MSCI TOT INTL STK ETF ETF 46432F834 2,441,203 25,700 SH SOLE 0 0 25,700
ISHARES ESG AWARE MSCI EAFE ETF ETF 46435G516 2,456,713 23,840 SH SOLE 0 0 23,840
CAPITAL GROUP CORE EQUITY ETF ETF 14020V108 2,512,620 56,463 SH SOLE 0 0 56,463
ISHARES SYSTEMATIC ALTERNATIVES ACT ETF 09290C665 2,520,363 84,406 SH SOLE 0 0 84,406
CAPITAL GROUP CORE BALANCED ETF ETF 14021D107 2,530,217 68,849 SH SOLE 0 0 68,849
JPMORGAN EQUITY PREMIUM INCOME ETF ETF 46641Q332 2,584,761 45,976 SH SOLE 0 0 45,976
JANUS HENDERSON SHT DURATION INCOME ETF 47103U886 2,587,095 53,276 SH SOLE 0 0 53,276
HARBOR COMMODITY ALL-WTHR STRTGY ETF 41151J505 2,614,004 74,135 SH SOLE 0 0 74,135
EXXONMOBIL HOLDINGS CORP COM SHS COM 30233Q108 2,637,019 16,203 SH SOLE 0 0 16,203
MKT VCTRSTR LHMAN BRS AMT-FR INTRMD ETF 92189H201 2,670,809 60,700 SH SOLE 0 0 60,700
VANGUARD HIGH DIVIDEND YIELD ETF 921946406 2,789,096 17,971 SH SOLE 0 0 17,971
ACCESS TREASURY 0-1 YEAR ETF ETF 381430529 2,945,105 29,419 SH SOLE 0 0 29,419
INNOVATOR DEFINED WEALTH SHIELD ETF ETF 45783Y855 3,041,174 87,015 SH SOLE 0 0 87,015
FRANKLIN U. MID CAP MLTFCTR INDX ETF 35473P884 3,326,297 57,909 SH SOLE 0 0 57,909
ISHARES US EQUITY FACTOR RTTN ACTV ETF 09290C103 3,374,971 48,729 SH SOLE 0 0 48,729
JPMORGAN CHASE & CO COM COM 46625H100 3,604,943 10,897 SH SOLE 0 0 10,897
VANGUARD SHORT TERM CORP BD FD ETF ETF 92206C409 3,726,468 48,239 SH SOLE 0 0 48,239
WSDMTR INTRST RT HDGD HGH YD BD FD ETF 97717W430 3,777,577 168,868 SH SOLE 0 0 168,868
COLGATE PALMOLIVE CO COM COM 194162103 3,828,054 44,867 SH SOLE 0 0 44,867
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746 4,312,375 91,055 SH SOLE 0 0 91,055
INVESCO S&P MIDCAP MOMENTUM ETF ETF 46137V464 4,371,976 29,792 SH SOLE 0 0 29,792
NUVEEN ESG LARGE-CAP VALUE ETF ETF 67092P300 4,480,823 85,106 SH SOLE 0 0 85,106
CAPITAL GROUP INTRNATIONAL CRE EQTY ETF 14021T102 4,596,465 127,751 SH SOLE 0 0 127,751
ISHARES NASDAQ BIOTECHNOLOGY ETF 464287556 5,116,204 24,302 SH SOLE 0 0 24,302
STT STRT SPDR PRTFL HIGH YLD BND ETF 78468R606 5,124,996 226,870 SH SOLE 0 0 226,870
POWERSHARES DYNAMIC PHARMACEUTICALS ETF 46137V662 5,135,944 41,651 SH SOLE 0 0 41,651
VANGUARD TOTAL STK MKT ETF 922908769 5,364,855 14,335 SH SOLE 0 0 14,335
INVESCO S&P 500 MOMENTUM ETF ETF 46138E339 5,514,632 36,381 SH SOLE 0 0 36,381
ISHR S&P NORTH AMER TECH-SOFTWARE ETF 464287515 5,541,172 52,040 SH SOLE 0 0 52,040
AVANTIS U.S. EQUITY ETF ETF 025072885 5,821,288 45,447 SH SOLE 0 0 45,447
ISHARES AGGREGATE BOND ETF ETF 464287226 5,866,492 62,053 SH SOLE 0 0 62,053
ISHR GLD TRST MICR ETF BENEF INTRST ETF 46436F103 5,910,650 142,700 SH SOLE 0 0 142,700
CAPITAL GROUP MUNICIPAL INCOME ETF ETF 14020Y201 6,163,225 237,595 SH SOLE 0 0 237,595
VANGUARD GROWTH ETF ETF 922908736 6,767,496 75,103 SH SOLE 0 0 75,103
VANGUARD EXTENDED MARKET ETF ETF 922908652 6,923,443 29,890 SH SOLE 0 0 29,890
ISHARES S&P 500 VALUE ETF ETF 464287408 7,078,482 31,008 SH SOLE 0 0 31,008
PIMCO INTERMEDIATE MUNI BD ACTIVE ETF 72201R866 7,115,703 143,202 SH SOLE 0 0 143,202
GMO US QUALITY ETF ETF 90139K100 7,166,716 167,408 SH SOLE 0 0 167,408
VANGUARD VALUE ETF ETF 922908744 7,636,967 35,343 SH SOLE 0 0 35,343
T. ROWE PRICE FLOATING RATE ETF ETF 87283Q883 7,703,321 152,541 SH SOLE 0 0 152,541
INVESCO QQQ TRUST ETF 46090E103 7,772,122 10,506 SH SOLE 0 0 10,506
FIDELITY ENHANCED INTERNATIONAL ETF ETF 31609A404 9,001,881 225,555 SH SOLE 0 0 225,555
Fidelity MSCI Real Estate Index ETF ETF 316092857 9,109,166 335,142 SH SOLE 0 0 335,142
CAPITAL GROUP DIVIDEND VALUE ETF ETF 14020W106 9,454,626 193,544 SH SOLE 0 0 193,544
NVIDIA CORPORATION COM COM 67066G104 9,915,582 43,417 SH SOLE 0 0 43,417
AMAZON.COM INC COM 023135106 9,960,735 39,979 SH SOLE 0 0 39,979
VANGUARD LONG-TERM TREASURY INDX FD ETF 92206C847 10,567,330 210,756 SH SOLE 0 0 210,756
NYLIM MACKAY MUNI INTERMEDIATE ETF ETF 45409F827 11,661,455 509,679 SH SOLE 0 0 509,679
SPDR DOUBLELINE TOT RETURN TACT ETF ETF 78467V848 12,746,833 340,642 SH SOLE 0 0 340,642
GOOGLE INC COM 02079K305 12,893,762 37,473 SH SOLE 0 0 37,473
ISHARES CORE MSCI EMERGING MKTS ETF 46434G103 12,941,965 159,462 SH SOLE 0 0 159,462
ISHARES AMT-FREE MUNI BOND ETF ETF 464288414 13,006,728 128,652 SH SOLE 0 0 128,652
PIMCO MLTISCT BD ACT EXCH TRDD FND ETF 72201R585 13,131,526 517,193 SH SOLE 0 0 517,193
PIMCO ACTIVE BD ETF ETF 72201R775 13,488,813 155,062 SH SOLE 0 0 155,062
VANGUARD CORE PLUS BOND ETF ETF 922020755 15,099,861 204,025 SH SOLE 0 0 204,025
CAPITAL GROUP US MULTI-SECTOR INCM ETF 14020Y300 15,737,694 599,988 SH SOLE 0 0 599,988
BHP BILLITON LIMITED SPONSORED ADS ADR 088606108 16,036,719 189,023 SH SOLE 0 0 189,023
XTRACKERS MSCI EAFE HEDGED EQTY ETF ETF 233051200 16,225,446 295,277 SH SOLE 0 0 295,277
ISHARES TR S&P 100 INDEX FUND ETF 464287101 16,433,480 43,011 SH SOLE 0 0 43,011
ISHARES S&P SMALLCAP 600 ETF ETF 464287804 17,068,124 125,464 SH SOLE 0 0 125,464
VANGUARD S&P 500 ETF ETF 922908363 17,709,709 25,269 SH SOLE 0 0 25,269
INVESCO NASDAQ 100 ETF ETF 46138G649 18,183,669 59,689 SH SOLE 0 0 59,689
APPLE INC COM 037833100 19,589,061 58,822 SH SOLE 0 0 58,822
ISHARES CORE DIVIDEND GROWTH ETF ETF 46434V621 23,020,286 305,349 SH SOLE 0 0 305,349
ISHARES CORE S&P MID CAP ETF ETF 464287507 23,465,256 326,133 SH SOLE 0 0 326,133
SPDR Portfolio S&P 500 Growth ETF ETF 78464A409 27,940,463 227,011 SH SOLE 0 0 227,011
FIDELITY MSCI ENERGY INDEX ETF ETF 316092402 31,151,326 918,918 SH SOLE 0 0 918,918
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509 32,956,264 636,699 SH SOLE 0 0 636,699
Vanguard Core Bond ETF ETF 922020748 33,349,818 452,999 SH SOLE 0 0 452,999
FIDELITY TOTAL BOND ETF ETF 316188309 33,964,139 784,391 SH SOLE 0 0 784,391
FID MSCI INFO TECHNOLOGY INDEX ETF ETF 316092808 34,757,873 115,836 SH SOLE 0 0 115,836
MICROSOFT COM 594918104 35,802,598 69,804 SH SOLE 0 0 69,804
STT STRT SPDR PRTFL SP 600 SMLL CAP ETF 78468R853 36,900,848 698,030 SH SOLE 0 0 698,030
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357 39,102,945 187,977 SH SOLE 0 0 187,977
SPDR Portfolio S&P 500 Value ETF ETF 78464A508 42,599,194 696,862 SH SOLE 0 0 696,862
ISHARES CORE MSCI EAFE ETF 46432F842 47,887,224 494,294 SH SOLE 0 0 494,294
SPDR PORTFOLIO S&P 400 MID CAP ETF ETF 78464A847 55,104,829 874,058 SH SOLE 0 0 874,058
ISHARES S&P 500 INDEX ETF 464287200 72,301,744 94,407 SH SOLE 0 0 94,407
SPDR PORT DEVELOPED WORLD EX-US ETF ETF 78463X889 159,258,330 3,171,739 SH SOLE 0 0 3,171,739
SPDR PORTFOLIO LARGE CAP ETF ETF 78464A854 209,344,472 2,332,231 SH SOLE 0 0 2,332,231