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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Company com 88579Y101   584 4,523 SH   SOLE 0 584 0 0
A T & T Inc. com 00206R102   3,580 157,208 SH   SOLE 0 3,580 0 0
Abbott Laboratories com 002824100   600 5,309 SH   SOLE 0 600 0 0
AbbVie Inc. com 00287Y109   10,403 58,545 SH   SOLE 0 10,403 0 0
Academy Sports and Outdoors, Inc. com 00402L107   1,328 23,080 SH   SOLE 0 1,328 0 0
Accenture Ltd Cl A com G1151C101   6,196 17,613 SH   SOLE 0 6,196 0 0
AFLAC Inc com 001055102   10,356 100,121 SH   SOLE 0 10,356 0 0
Allison Transmission Holdings, INc. com 01973R101   6,968 64,483 SH   SOLE 0 6,968 0 0
Alphabet Inc Class A com 02079K305   2,066 10,914 SH   SOLE 0 2,066 0 0
Alphabet Inc Class C com 02079K107   19,806 104,001 SH   SOLE 0 19,806 0 0
Amazon.com Inc. com 023135106   697 3,178 SH   SOLE 0 697 0 0
Amdocs Limited Common Stock com G02602103   2,652 31,146 SH   SOLE 0 2,652 0 0
American Electric Power Co., Inc com 025537101   209 2,265 SH   SOLE 0 209 0 0
American Express Company com 025816109   509 1,716 SH   SOLE 0 509 0 0
American Intl Group Inc com 026874784   1,715 23,552 SH   SOLE 0 1,715 0 0
Ameriprise Financial, Inc. com 03076C106   12,047 22,627 SH   SOLE 0 12,047 0 0
Amgen Incorporated com 031162100   9,092 34,882 SH   SOLE 0 9,092 0 0
Amkor Technology Inc com 031652100   778 30,294 SH   SOLE 0 778 0 0
Apple Computer Inc com 037833100   61,756 246,608 SH   SOLE 0 61,756 0 0
Applied Materials Inc com 038222105   1,632 10,035 SH   SOLE 0 1,632 0 0
Archer-Daniels-Midland Co. com 039483102   1,608 31,829 SH   SOLE 0 1,608 0 0
Arrow Electronics, Inc. com 042735100   1,299 11,480 SH   SOLE 0 1,299 0 0
Automatic Data Processing, Inc. com 053015103   1,876 6,407 SH   SOLE 0 1,876 0 0
Autonation Inc. com 05329W102   1,977 11,640 SH   SOLE 0 1,977 0 0
AutoZone Inc com 053332102   1,649 515 SH   SOLE 0 1,649 0 0
Avantis All Equity Markets ETF ETF 025072232   353 4,879 SH   SOLE 0 353 0 0
Avantis Emerging Markets Equity ETF ETF 025072604   32,760 557,242 SH   SOLE 0 32,760 0 0
Avantis US Small Cap Value ETF com 025072877   5,419 56,139 SH   SOLE 0 5,419 0 0
Avnet, Inc. com 053807103   6,844 130,816 SH   SOLE 0 6,844 0 0
Bank of America Corp com 060505104   873 19,855 SH   SOLE 0 873 0 0
Becton Dickinson & Co com 075887109   1,821 8,026 SH   SOLE 0 1,821 0 0
Belden Inc com 077454106   4,499 39,948 SH   SOLE 0 4,499 0 0
Berkshire Hathaway Cl B com 084670702   1,048 2,313 SH   SOLE 0 1,048 0 0
Berry Plastics Group Inc com 08579W103   1,478 22,858 SH   SOLE 0 1,478 0 0
Best Buy Inc com 086516101   3,689 42,995 SH   SOLE 0 3,689 0 0
BlackRock, Inc com 09290D101   243 237 SH   SOLE 0 243 0 0
Booz Allen Hamilton Holdings Corporation com 099502106   824 6,399 SH   SOLE 0 824 0 0
BP PLC Adr ADR 055622104   607 20,520 SH   SOLE 0 607 0 0
Bristol-Myers Squibb Co com 110122108   1,858 32,842 SH   SOLE 0 1,858 0 0
Broadcom Limited com 11135F101   10,455 45,097 SH   SOLE 0 10,455 0 0
Brunswick Corporation com 117043109   384 5,936 SH   SOLE 0 384 0 0
Bunge Ltd. com H11356104   2,691 34,606 SH   SOLE 0 2,691 0 0
C V S Caremark Corp. com 126650100   1,270 28,287 SH   SOLE 0 1,270 0 0
Cabot Corporation com 127055101   1,278 13,991 SH   SOLE 0 1,278 0 0
Cambria Emerging Shareholder Yield ETF ETF 132061706   31,033 991,144 SH   SOLE 0 31,033 0 0
Canadian Natl RR Co. com 136375102   317 3,125 SH   SOLE 0 317 0 0
Canadian Natural Resources Limited com 136385101   1,159 37,546 SH   SOLE 0 1,159 0 0
Cardinal Health Inc com 14149Y108   5,944 50,259 SH   SOLE 0 5,944 0 0
Carrier Global Corp com 14448C104   617 9,044 SH   SOLE 0 617 0 0
Caterpillar Inc com 149123101   6,149 16,949 SH   SOLE 0 6,149 0 0
CDW Corporation com 12514G108   4,012 23,050 SH   SOLE 0 4,012 0 0
Cencora, Inc. com 03073E105   1,777 7,907 SH   SOLE 0 1,777 0 0
Century Communities, Inc com 156504300   355 4,844 SH   SOLE 0 355 0 0
CF Industries Holdings, Inc. com 125269100   811 9,509 SH   SOLE 0 811 0 0
Charter Communications com 16119P108   438 1,277 SH   SOLE 0 438 0 0
Chevron Corp com 166764100   3,391 23,411 SH   SOLE 0 3,391 0 0
Chord Energy Corporation com 674215207   921 7,877 SH   SOLE 0 921 0 0
Chubb Ltd com H1467J104   1,236 4,475 SH   SOLE 0 1,236 0 0
CIGNA Corp com 125523100   1,849 6,695 SH   SOLE 0 1,849 0 0
Cincinnati Financial Cp com 172062101   541 3,764 SH   SOLE 0 541 0 0
Cisco Systems Inc com 17275R102   10,213 172,517 SH   SOLE 0 10,213 0 0
Citigroup Inc com 172967424   301 4,277 SH   SOLE 0 301 0 0
Civitas Resources, Inc. com 17888H103   404 8,814 SH   SOLE 0 404 0 0
CMS Energy Corp com 125896100   615 9,226 SH   SOLE 0 615 0 0
Coca Cola Company com 191216100   368 5,918 SH   SOLE 0 368 0 0
Cognizant Technology Solutions Corp. com 192446102   4,896 63,670 SH   SOLE 0 4,896 0 0
Comcast Corp com 20030N101   4,281 114,069 SH   SOLE 0 4,281 0 0
ConAgra Brands, Inc. com 205887102   1,300 46,853 SH   SOLE 0 1,300 0 0
ConocoPhillips com 20825C104   1,403 14,150 SH   SOLE 0 1,403 0 0
Consol Energy, Inc. com 20854L108   2,114 19,815 SH   SOLE 0 2,114 0 0
Consolidated Edison com 209115104   387 4,335 SH   SOLE 0 387 0 0
Constellation Energy Co com 21037T109   2,106 9,412 SH   SOLE 0 2,106 0 0
Core & Main, Inc. com 21874C102   1,454 28,554 SH   SOLE 0 1,454 0 0
Corning Inc com 219350105   6,005 126,363 SH   SOLE 0 6,005 0 0
Costco Whsl Corp New com 22160K105   430 469 SH   SOLE 0 430 0 0
Coterra Energy Inc. com 127097103   529 20,724 SH   SOLE 0 529 0 0
Crocs Inc com 227046109   286 2,615 SH   SOLE 0 286 0 0
CSX Corp. com 126408103   1,332 41,270 SH   SOLE 0 1,332 0 0
Cummins Inc com 231021106   9,510 27,281 SH   SOLE 0 9,510 0 0
D R Horton Co com 23331A109   8,499 60,782 SH   SOLE 0 8,499 0 0
Danaher Corp Del com 235851102   218 950 SH   SOLE 0 218 0 0
Deere & Co com 244199105   1,161 2,741 SH   SOLE 0 1,161 0 0
Dell Inc. com 24703L202   6,172 53,561 SH   SOLE 0 6,172 0 0
Diamondback Energy, Inc. com 25278X109   1,186 7,239 SH   SOLE 0 1,186 0 0
Dick's Sporting Goods Inc. com 253393102   9,376 40,970 SH   SOLE 0 9,376 0 0
Dimensional Emerging Core Equity Market ETF ETF 25434V302   847 33,374 SH   SOLE 0 847 0 0
Dimensional Emerging Markets ETF 25434V732   261 9,969 SH   SOLE 0 261 0 0
Dimensional US Core Equity Market ETF ETF 25434V104   334 8,239 SH   SOLE 0 334 0 0
Discover Financial Services com 254709108   2,388 13,783 SH   SOLE 0 2,388 0 0
Disney Walt Hldg Co com 254687106   366 3,289 SH   SOLE 0 366 0 0
Dole plc com G27907107   303 22,405 SH   SOLE 0 303 0 0
DoubleLine Income Solutions Fund com 258622109   771 61,341 SH   SOLE 0 771 0 0
Dover Corporation com 260003108   485 2,583 SH   SOLE 0 485 0 0
Eaton Corporation plc com G29183103   2,097 6,319 SH   SOLE 0 2,097 0 0
Edison International com 281020107   7,321 91,691 SH   SOLE 0 7,321 0 0
Electronic Arts Inc. com 285512109   815 5,572 SH   SOLE 0 815 0 0
Elevance Health Inc. com 036752103   309 837 SH   SOLE 0 309 0 0
Eli Lilly & Company com 532457108   1,201 1,556 SH   SOLE 0 1,201 0 0
Encompass Health Corp com 29261A100   1,549 16,773 SH   SOLE 0 1,549 0 0
Entergy Corp New com 29364G103   1,225 16,157 SH   SOLE 0 1,225 0 0
EOG Resources, Inc com 26875P101   4,633 37,797 SH   SOLE 0 4,633 0 0
Equitable Holdings, Inc. com 29452E101   8,214 174,143 SH   SOLE 0 8,214 0 0
Evercore Partners Inc. com 29977A105   1,191 4,296 SH   SOLE 0 1,191 0 0
Everest Group Ltd com G3223R108   1,840 5,077 SH   SOLE 0 1,840 0 0
Everus Construction Group Inc com 300426103   464 7,062 SH   SOLE 0 464 0 0
Exelon Corporation com 30161N101   1,334 35,452 SH   SOLE 0 1,334 0 0
Expeditors International of Washington Inc. com 302130109   1,737 15,681 SH   SOLE 0 1,737 0 0
Extra Space Storage Inc. com 30225T102   423 2,828 SH   SOLE 0 423 0 0
Exxon Mobil Corporation com 30231G102   5,545 51,549 SH   SOLE 0 5,545 0 0
FedEx Corp. com 31428X106   549 1,953 SH   SOLE 0 549 0 0
Fidelity MSCI Real Estate Index ETF ETF 316092857   227 8,399 SH   SOLE 0 227 0 0
Fidelity National Finl. com 31620R303   2,702 48,130 SH   SOLE 0 2,702 0 0
Fifth Third Bancorp com 316773100   683 16,157 SH   SOLE 0 683 0 0
First Trust Managed Municipal ETF ETF 33739N108   2,100 41,170 SH   SOLE 0 2,100 0 0
Fiserv, Inc. com 337738108   543 2,644 SH   SOLE 0 543 0 0
Ford Motor Company com 345370860   412 41,585 SH   SOLE 0 412 0 0
Franklin Resources Inc com 354613101   218 10,769 SH   SOLE 0 218 0 0
General Dynamics Corp com 369550108   4,692 17,806 SH   SOLE 0 4,692 0 0
General Mills Inc com 370334104   2,081 32,633 SH   SOLE 0 2,081 0 0
General Motors Company com 37045V100   4,803 90,168 SH   SOLE 0 4,803 0 0
Gilead Sciences Inc com 375558103   978 10,587 SH   SOLE 0 978 0 0
GlaxoSmithKline plc ADR 37733W204   772 22,838 SH   SOLE 0 772 0 0
Global Payments Inc com 37940X102   204 1,818 SH   SOLE 0 204 0 0
Global X MLP & Energy Infrastructure ETF ETF 37954Y293   643 10,613 SH   SOLE 0 643 0 0
Goldman Sachs Group Inc com 38141G104   3,730 6,514 SH   SOLE 0 3,730 0 0
Group 1 Automotive, Inc. com 398905109   4,407 10,456 SH   SOLE 0 4,407 0 0
Halozyme Therapeutics, Inc. com 40637H109   1,113 23,280 SH   SOLE 0 1,113 0 0
Hartford Financial Services com 416515104   11,386 104,077 SH   SOLE 0 11,386 0 0
Hartford Multifactor Developed Markets ETF ETF 518416102   58,337 2,052,663 SH   SOLE 0 58,337 0 0
Hasbro Inc com 418056107   456 8,163 SH   SOLE 0 456 0 0
HCA Holdings, Inc. com 40412C101   10,357 34,506 SH   SOLE 0 10,357 0 0
Hewlett Packard Enterprise Comp com 42824C109   8,410 393,900 SH   SOLE 0 8,410 0 0
Home Depot Inc com 437076102   2,474 6,361 SH   SOLE 0 2,474 0 0
Honda Motor Co Adr com 438128308   2,379 83,334 SH   SOLE 0 2,379 0 0
Honeywell International com 438516106   1,739 7,699 SH   SOLE 0 1,739 0 0
HP Inc. com 40434L105   7,523 230,564 SH   SOLE 0 7,523 0 0
Huntington Bancshares Incorporated com 446150104   916 56,291 SH   SOLE 0 916 0 0
Illinois Tool Works com 452308109   978 3,857 SH   SOLE 0 978 0 0
Infosys Limited ADR 456788108   3,347 152,675 SH   SOLE 0 3,347 0 0
Ingredion Incorporated com 457187102   2,313 16,815 SH   SOLE 0 2,313 0 0
Interdigital Comm Corp com 45867G101   642 3,316 SH   SOLE 0 642 0 0
International Paper Co com 460146103   303 5,630 SH   SOLE 0 303 0 0
Interpublic Group of Companies com 460690100   891 31,814 SH   SOLE 0 891 0 0
Intl Business Machines com 459200101   8,203 37,315 SH   SOLE 0 8,203 0 0
Intuitive Surgical Inc com 46120E602   1,227 2,351 SH   SOLE 0 1,227 0 0
Invesco FTSE RAFI Dev Mkts ex-US ETF ETF 46138E743   902 18,835 SH   SOLE 0 902 0 0
Invesco FTSE RAFI Emerging Markets ETF ETF 46138E727   3,601 175,810 SH   SOLE 0 3,601 0 0
Invesco FTSE RAFI US 1000 ETF ETF 46137V613   534 13,249 SH   SOLE 0 534 0 0
Invesco QQQ ETF ETF 46090E103   394 771 SH   SOLE 0 394 0 0
Iron Mountain Incorporated com 46284V101   357 3,400 SH   SOLE 0 357 0 0
iShares 0-3 Month Treasury Bond ETF iShares 46436E718   4,050 40,375 SH   SOLE 0 4,050 0 0
iShares 20 Year Treasury Bond ETF iShares 464287432   6,577 75,316 SH   SOLE 0 6,577 0 0
iShares Barclays TIPS Bond ETF 464287176   3,620 33,970 SH   SOLE 0 3,620 0 0
iShares Core MSCI EAFE ETF ETF 46432F842   1,351 19,223 SH   SOLE 0 1,351 0 0
iShares Core MSCI Emerging Markets ETF ETF 46434G103   282 5,408 SH   SOLE 0 282 0 0
iShares Core S&P 500 ETF ETF 464287200   749 1,272 SH   SOLE 0 749 0 0
iShares Core S&P Mid-Cap ETF ETF 464287507   399 6,399 SH   SOLE 0 399 0 0
iShares Core US REIT ETF ETF 464288521   246 4,285 SH   SOLE 0 246 0 0
iShares Edge MSCI Mltfct USA SmCp ETF ETF 46434V290   946 14,010 SH   SOLE 0 946 0 0
iShares Edge MSCI Multifactor Intl ETF ETF 46434V274   14,648 510,040 SH   SOLE 0 14,648 0 0
iShares Edge MSCI Multifactor USA ETF ETF 46434V282   12,847 212,879 SH   SOLE 0 12,847 0 0
iShares Emerging Markets Local Currency Bond ETF ETF 464286517   1,803 49,952 SH   SOLE 0 1,803 0 0
iShares Global Clean Energy ETF ETF 464288224   164 14,434 SH   SOLE 0 164 0 0
iShares GNMA Bond ETF iShares 46429B333   234 5,451 SH   SOLE 0 234 0 0
iShares JPMorgan USD Emerg Markets Bond ETF ETF 464288281   5,451 61,220 SH   SOLE 0 5,451 0 0
iShares MBS Bond ETF ETF 464288588   4,199 45,800 SH   SOLE 0 4,199 0 0
iShares MSCI EAFE ETF ETF 464287465   11,221 148,412 SH   SOLE 0 11,221 0 0
iShares MSCI EAFE Min Volatility ETF ETF 46429B689   1,039 14,699 SH   SOLE 0 1,039 0 0
iShares MSCI Emerging Markets Index ETF ETF 464287234   1,868 44,670 SH   SOLE 0 1,868 0 0
iShares Natl Amt-Free Muni Bond ETF ETF 464288414   7,001 65,709 SH   SOLE 0 7,001 0 0
iShares Russell 1000 ETF ETF 464287622   343 1,065 SH   SOLE 0 343 0 0
iShares Russell 1000 Growth ETF iShares 464287614   335 835 SH   SOLE 0 335 0 0
iShares Russell 1000 Value ETF iShares 464287598   2,983 16,112 SH   SOLE 0 2,983 0 0
iShares Russell Mid-cap Value ETF ETF 464287473   240 1,856 SH   SOLE 0 240 0 0
iShares S&P 100 ETF iShares 464287101   333 1,154 SH   SOLE 0 333 0 0
iShares S&P Mid-Cap 400 Value ETF ETF 464287705   442 3,540 SH   SOLE 0 442 0 0
iShares S&P Small-Cap 600 Value ETF ETF 464287879   243 2,240 SH   SOLE 0 243 0 0
iShares S&P Small-Cap ETF ETF 464287804   384 3,336 SH   SOLE 0 384 0 0
iShares Short-Term National Muni Bond ETF ETF 464288158   482 4,572 SH   SOLE 0 482 0 0
iShares Trust - U.S. Treasury Bond ETF iShares 46429B267   870 37,857 SH   SOLE 0 870 0 0
J M Smuckers Co com 832696405   666 6,050 SH   SOLE 0 666 0 0
J P Morgan Chase & Co. com 46625H100   14,748 61,526 SH   SOLE 0 14,748 0 0
Jabil Circuit Inc. com 466313103   7,511 52,195 SH   SOLE 0 7,511 0 0
Janus Henderson Group com G4474Y214   406 9,539 SH   SOLE 0 406 0 0
Janus Henderson Mortgage-Backed ETF ETF 47103U852   55,016 1,245,271 SH   SOLE 0 55,016 0 0
Johnson & Johnson com 478160104   6,767 46,789 SH   SOLE 0 6,767 0 0
JPMorgan Diversified Return U.S. Equity ETF ETF 46641Q407   465 4,071 SH   SOLE 0 465 0 0
JPMorgan Limited Duration Bond ETF ETF 46654Q773   398 7,730 SH   SOLE 0 398 0 0
JPMorgan Ultra-Short Income ETF ETF 46641Q837   2,577 51,159 SH   SOLE 0 2,577 0 0
Juniper Networks Inc com 48203R104   967 25,818 SH   SOLE 0 967 0 0
K L A Tencor Corp com 482480100   1,723 2,735 SH   SOLE 0 1,723 0 0
Kellogg Company com 487836108   376 4,641 SH   SOLE 0 376 0 0
Kimberly-Clark Corp com 494368103   458 3,494 SH   SOLE 0 458 0 0
Kinder Morgan, Inc. com 49456B101   1,825 66,593 SH   SOLE 0 1,825 0 0
Kosmos Energy Ltd com 500688106   35 10,350 SH   SOLE 0 35 0 0
Kroger Company com 501044101   14,640 239,417 SH   SOLE 0 14,640 0 0
Lab Cp Of Amer Hldg New com 504922105   1,867 8,140 SH   SOLE 0 1,867 0 0
LAM Research Corporation com 512807306   938 12,988 SH   SOLE 0 938 0 0
Lamar Advertising Co A com 512816109   324 2,661 SH   SOLE 0 324 0 0
Leidos Holdings Inc com 525327102   1,216 8,438 SH   SOLE 0 1,216 0 0
Lennar Corp Cl A com 526057104   2,840 20,827 SH   SOLE 0 2,840 0 0
LKQ Corp. com 501889208   504 13,705 SH   SOLE 0 504 0 0
Lockheed Martin Corp com 539830109   5,506 11,331 SH   SOLE 0 5,506 0 0
Louisiana-Pacific Corp com 546347105   376 3,628 SH   SOLE 0 376 0 0
Lowes Companies Inc com 548661107   6,999 28,360 SH   SOLE 0 6,999 0 0
LyondellBasell Industrials NV com N53745100   3,907 52,600 SH   SOLE 0 3,907 0 0
Macys, Inc com 55616P104   277 16,358 SH   SOLE 0 277 0 0
Manulife Financial Corporation com 56501R106   10,020 326,262 SH   SOLE 0 10,020 0 0
Marathon Petroleum Corporation com 56585A102   3,422 24,531 SH   SOLE 0 3,422 0 0
Masco Corporation com 574599106   976 13,446 SH   SOLE 0 976 0 0
Mastercard Incorporated com 57636Q104   547 1,039 SH   SOLE 0 547 0 0
McDonald's Corp. com 580135101   1,811 6,248 SH   SOLE 0 1,811 0 0
McKesson HBOC Inc com 58155Q103   10,339 18,142 SH   SOLE 0 10,339 0 0
MDU Resources Group, Inc. com 552690109   614 34,093 SH   SOLE 0 614 0 0
Medtronic PLC com G5960L103   2,608 32,643 SH   SOLE 0 2,608 0 0
Merck & Co Inc com 58933Y105   4,190 42,119 SH   SOLE 0 4,190 0 0
Meta Platforms, Inc. com 30303M102   12,271 20,957 SH   SOLE 0 12,271 0 0
Metlife Inc com 59156R108   4,794 58,552 SH   SOLE 0 4,794 0 0
MGIC Investment Corp com 552848103   5,592 235,835 SH   SOLE 0 5,592 0 0
Microchip Technology Inc com 595017104   2,163 37,710 SH   SOLE 0 2,163 0 0
Microsoft Corp com 594918104   24,116 57,215 SH   SOLE 0 24,116 0 0
Morgan Stanley com 617446448   1,770 14,080 SH   SOLE 0 1,770 0 0
Murphy USA, Inc com 626755102   545 1,086 SH   SOLE 0 545 0 0
National Fuel Gas Co com 636180101   2,348 38,687 SH   SOLE 0 2,348 0 0
Netflix Inc com 64110L106   226 253 SH   SOLE 0 226 0 0
Network Appliance Inc com 64110D104   4,701 40,496 SH   SOLE 0 4,701 0 0
Nexstar Media Group com 65336K103   5,981 37,861 SH   SOLE 0 5,981 0 0
Northrop Grumman Corp com 666807102   1,378 2,936 SH   SOLE 0 1,378 0 0
NortonLifeLock Inc. com 668771108   316 11,535 SH   SOLE 0 316 0 0
Novartis A G Spon Adr ADR 66987V109   1,821 18,717 SH   SOLE 0 1,821 0 0
NRG Energy, Inc com 629377508   841 9,320 SH   SOLE 0 841 0 0
Nucor Corp com 670346105   2,809 24,069 SH   SOLE 0 2,809 0 0
Nutrien Ltd. com 67077M108   335 7,491 SH   SOLE 0 335 0 0
Nvidia Corp com 67066G104   1,436 10,695 SH   SOLE 0 1,436 0 0
NXP Semiconductors NV com N6596X109   525 2,524 SH   SOLE 0 525 0 0
OGE Energy Corp com 670837103   700 16,958 SH   SOLE 0 700 0 0
Old Republic International Corporation com 680223104   861 23,799 SH   SOLE 0 861 0 0
Omnicom Group Inc com 681919106   9,377 108,987 SH   SOLE 0 9,377 0 0
Oracle Corporation com 68389X105   17,428 104,584 SH   SOLE 0 17,428 0 0
Organon & Co. Common Stock com 68622V106   383 25,699 SH   SOLE 0 383 0 0
Otis Worldwide Corp com 68902V107   346 3,734 SH   SOLE 0 346 0 0
Otter Tail Corporation com 689648103   699 9,473 SH   SOLE 0 699 0 0
Owens Corning Inc. com 690742101   6,353 37,301 SH   SOLE 0 6,353 0 0
Oxford Industries, Inc. com 691497309   615 7,803 SH   SOLE 0 615 0 0
PACCAR Inc com 693718108   8,028 77,174 SH   SOLE 0 8,028 0 0
Pacer Benchmark Data & Infrastructure Real Estate ETF com 69374H741   10,609 353,856 SH   SOLE 0 10,609 0 0
Packaging Corp of America com 695156109   212 940 SH   SOLE 0 212 0 0
Parker-Hannifin Corporation com 701094104   375 590 SH   SOLE 0 375 0 0
Patrick Industries Inc. com 703343103   1,972 23,738 SH   SOLE 0 1,972 0 0
Patterson Companies Inc. com 703395103   1,673 54,222 SH   SOLE 0 1,673 0 0
PennyMac Financial Services, Inc. com 70932M107   204 2,001 SH   SOLE 0 204 0 0
PepsiCo Incorporated com 713448108   907 5,967 SH   SOLE 0 907 0 0
Petroleo Brasileiro ADR 71654V408   1,552 120,673 SH   SOLE 0 1,552 0 0
Pfizer Incorporated com 717081103   3,261 122,933 SH   SOLE 0 3,261 0 0
Phillips 66 com 718546104   426 3,743 SH   SOLE 0 426 0 0
PIMCO Intermediate Muni Bond Strgy ETF ETF 72201R866   3,085 59,634 SH   SOLE 0 3,085 0 0
PNC Financial Services com 693475105   480 2,489 SH   SOLE 0 480 0 0
Popular Inc com 733174700   432 4,590 SH   SOLE 0 432 0 0
Prestige Brands Holdings, Inc. com 74112D101   241 3,083 SH   SOLE 0 241 0 0
PriceSmart, Inc. com 741511109   1,687 18,299 SH   SOLE 0 1,687 0 0
Principal Financial Group Inc. com 74251V102   2,245 29,005 SH   SOLE 0 2,245 0 0
Procter & Gamble com 742718109   12,246 73,045 SH   SOLE 0 12,246 0 0
Progressive Corp. com 743315103   952 3,974 SH   SOLE 0 952 0 0
Prudential Financial Inc com 744320102   6,205 52,352 SH   SOLE 0 6,205 0 0
Pub Svc Enterprise Group com 744573106   311 3,676 SH   SOLE 0 311 0 0
PulteGroup Inc com 745867101   7,792 71,552 SH   SOLE 0 7,792 0 0
Qualcomm Inc com 747525103   2,932 19,089 SH   SOLE 0 2,932 0 0
Quest Diagnostic Inc com 74834L100   4,882 32,364 SH   SOLE 0 4,882 0 0
Range Resources Corporation com 75281A109   835 23,205 SH   SOLE 0 835 0 0
Raytheon Technologies Co com 75513E101   1,064 9,192 SH   SOLE 0 1,064 0 0
Regions Financial Cp New com 7591EP100   1,940 82,487 SH   SOLE 0 1,940 0 0
Reinsurance Group of America com 759351604   1,733 8,111 SH   SOLE 0 1,733 0 0
Reliance Steel & Aluminum Co com 759509102   3,104 11,527 SH   SOLE 0 3,104 0 0
Republic Services, Inc com 760759100   241 1,198 SH   SOLE 0 241 0 0
Ross Stores, Inc com 778296103   237 1,567 SH   SOLE 0 237 0 0
Schwab Emerging Mkts Equity ETF ETF 808524706   823 30,908 SH   SOLE 0 823 0 0
Schwab Fundamental Emerg Mkts Lg Co ETF ETF 808524730   38,724 1,333,017 SH   SOLE 0 38,724 0 0
Schwab Fundamental Intl Lg Co ETF ETF 808524755   86,088 2,592,229 SH   SOLE 0 86,088 0 0
Schwab Fundamental US Broad Mkt ETF ETF 808524789   276 11,847 SH   SOLE 0 276 0 0
Schwab Fundamental US Large Company ETF ETF 808524771   6,391 269,881 SH   SOLE 0 6,391 0 0
Schwab Fundamental US Small Company ETF ETF 808524763   13,928 468,967 SH   SOLE 0 13,928 0 0
Schwab Intermediate-Term U.S. Trsy ETF ETF 808524854   32,684 1,345,573 SH   SOLE 0 32,684 0 0
Schwab International Equity ETF ETF 808524805   58,515 3,162,957 SH   SOLE 0 58,515 0 0
Schwab Short-Term U.S. Treasury ETF ETF 808524862   304 12,654 SH   SOLE 0 304 0 0
Schwab U.S. Dividend Equity ETF ETF 808524797   294 10,756 SH   SOLE 0 294 0 0
Schwab U.S. REIT ETF ETF 808524847   19,052 904,666 SH   SOLE 0 19,052 0 0
Schwab U.S. Small-Cap ETF ETF 808524607   280 10,810 SH   SOLE 0 280 0 0
Schwab US Broad Mkt ETF ETF 808524102   687 30,275 SH   SOLE 0 687 0 0
Schwab US TIPS ETF ETF 808524870   19,138 740,908 SH   SOLE 0 19,138 0 0
Science Applications International Corp com 808625107   221 1,976 SH   SOLE 0 221 0 0
Scorpio Tankers, Inc. com Y7542C130   326 6,556 SH   SOLE 0 326 0 0
Seagate Technology PLC F com G7997R103   367 4,251 SH   SOLE 0 367 0 0
Shell plc com 780259305   1,711 27,316 SH   SOLE 0 1,711 0 0
Simon Ppty Group New com 828806109   539 3,128 SH   SOLE 0 539 0 0
SM Energy Company com 78454L100   342 8,833 SH   SOLE 0 342 0 0
Snap On Inc com 833034101   7,019 20,677 SH   SOLE 0 7,019 0 0
SPDR Barclays Cap Interm Term Corp Bond ETF ETF 78464A375   3,582 109,347 SH   SOLE 0 3,582 0 0
SPDR Nuveen S&P High Yield Muni Bond ETF ETF 78464A284   234 9,155 SH   SOLE 0 234 0 0
SPDR Portfolio High Yield Bond ETF ETF 78468R606   1,289 54,919 SH   SOLE 0 1,289 0 0
SPDR Portfolio Mortgage Backed Bond ETF ETF 78464A383   321 14,874 SH   SOLE 0 321 0 0
SPDR S&P 500 ETF ETF 78462F103   8,322 14,199 SH   SOLE 0 8,322 0 0
Sprouts Farmers Market com 85208M102   2,287 17,997 SH   SOLE 0 2,287 0 0
SS&C Technologies Holdings, Inc. com 78467J100   695 9,167 SH   SOLE 0 695 0 0
State Street Corp com 857477103   275 2,801 SH   SOLE 0 275 0 0
Steel Dynamics, Inc. com 858119100   4,027 35,299 SH   SOLE 0 4,027 0 0
Stryker Corp com 863667101   684 1,899 SH   SOLE 0 684 0 0
Suncor Energy Inc com 867224107   751 21,044 SH   SOLE 0 751 0 0
Sylvamo Corporation com 871332102   1,885 23,850 SH   SOLE 0 1,885 0 0
Synchrony Financial com 87165B103   2,247 34,576 SH   SOLE 0 2,247 0 0
SYNNEX Corp. com 87162W100   2,593 22,108 SH   SOLE 0 2,593 0 0
T. Rowe Price Group, Inc. com 74144T108   484 4,280 SH   SOLE 0 484 0 0
Taiwan Semiconductor Manufacturing Co. com 874039100   353 1,788 SH   SOLE 0 353 0 0
Tapestry Inc com 876030107   1,868 28,587 SH   SOLE 0 1,868 0 0
Target Corporation com 87612E106   4,390 32,474 SH   SOLE 0 4,390 0 0
Taylor Morrison Home Corporation com 87724P106   1,476 24,116 SH   SOLE 0 1,476 0 0
TE Connectivity Ltd. com G87052109   2,795 19,547 SH   SOLE 0 2,795 0 0
TEGNA, Inc. com 87901J105   279 15,276 SH   SOLE 0 279 0 0
Tenet Healthcare Corp com 88033G407   439 3,479 SH   SOLE 0 439 0 0
Texas Instruments Inc com 882508104   5,063 27,003 SH   SOLE 0 5,063 0 0
The Andersons Inc. com 034164103   469 11,563 SH   SOLE 0 469 0 0
The E.W. Scripps Company com 811054402   75 34,000 SH   SOLE 0 75 0 0
The Kraft Heinz Company com 500754106   3,744 121,905 SH   SOLE 0 3,744 0 0
The Real Estate Select Sector SPDR Fund com 81369Y860   4,096 100,722 SH   SOLE 0 4,096 0 0
Thermo Fisher Scientific Inc. com 883556102   2,960 5,689 SH   SOLE 0 2,960 0 0
TJX Cos Inc com 872540109   2,262 18,720 SH   SOLE 0 2,262 0 0
Toronto-Dominion Bank com 891160509   1,225 23,000 SH   SOLE 0 1,225 0 0
Tortoise North American Pipeline Fund com 56167N720   23,167 679,591 SH   SOLE 0 23,167 0 0
TotalEnergies SE ADS 89151E109   1,996 36,615 SH   SOLE 0 1,996 0 0
Toyota Motor Corporation ADR 892331307   7,905 40,621 SH   SOLE 0 7,905 0 0
Trane Technologies plc com G8994E103   234 634 SH   SOLE 0 234 0 0
Travel & Leisure Co. com 894164102   1,446 28,663 SH   SOLE 0 1,446 0 0
Travelers Companies Inc com 89417E109   4,896 20,324 SH   SOLE 0 4,896 0 0
Truist Financial Corp com 89832Q109   696 16,051 SH   SOLE 0 696 0 0
Twenty-First Century Fox, Inc. Cl A com 35137L105   8,990 185,054 SH   SOLE 0 8,990 0 0
Tyson Foods Inc com 902494103   1,047 18,223 SH   SOLE 0 1,047 0 0
UGI Corporation New com 902681105   3,072 108,836 SH   SOLE 0 3,072 0 0
Union Pacific com 907818108   2,915 12,784 SH   SOLE 0 2,915 0 0
United Parcel Service, Inc. com 911312106   214 1,700 SH   SOLE 0 214 0 0
United Rentals, Inc. com 911363109   5,861 8,321 SH   SOLE 0 5,861 0 0
UnitedHealth Group Inc. com 91324P102   3,026 5,982 SH   SOLE 0 3,026 0 0
Universal Health Services Inc. com 913903100   473 2,638 SH   SOLE 0 473 0 0
Unum Group com 91529Y106   8,442 115,594 SH   SOLE 0 8,442 0 0
US Bancorp com 902973304   442 9,251 SH   SOLE 0 442 0 0
Valero Energy Corp New com 91913Y100   2,729 22,264 SH   SOLE 0 2,729 0 0
VanEck Long Muni ETF ETF 92189F536   393 22,005 SH   SOLE 0 393 0 0
VanEck Short High Yield Muni ETF ETF 92189F387   268 11,915 SH   SOLE 0 268 0 0
VanEck Vectors Gold Miners ETF ETF 92189F106   358 10,556 SH   SOLE 0 358 0 0
VanEck Vectors High-Yield Muni ETF ETF 92189H409   616 11,859 SH   SOLE 0 616 0 0
VanEck Vectors Junior Gold Miners ETF ETF 92189F791   603 14,095 SH   SOLE 0 603 0 0
Vanguard Dividend Appreciation ETF ETF 921908844   660 3,373 SH   SOLE 0 660 0 0
Vanguard Emerging Markets Stock ETF ETF 922042858   890 20,219 SH   SOLE 0 890 0 0
Vanguard FTSE Developed Markets ETF ETF 921943858   210 4,383 SH   SOLE 0 210 0 0
Vanguard Interm-Tm Govt Bd Inx ETF ETF 92206C706   5,804 100,075 SH   SOLE 0 5,804 0 0
Vanguard Reit Index ETF ETF 922908553   23,125 259,596 SH   SOLE 0 23,125 0 0
Vanguard Russell 1000 ETF ETF 92206C730   3,389 12,707 SH   SOLE 0 3,389 0 0
Vanguard S&P 500 ETF ETF 922908363   711 1,319 SH   SOLE 0 711 0 0
Vanguard Small Cap Value ETF ETF 922908611   3,517 17,744 SH   SOLE 0 3,517 0 0
Vanguard Tax-Exempt Bond Index ETF ETF 922907746   13,305 265,416 SH   SOLE 0 13,305 0 0
Vanguard Total Bond Market ETF ETF 921937835   6,760 94,009 SH   SOLE 0 6,760 0 0
Vanguard Total International Stock ETF ETF 921909768   200 3,399 SH   SOLE 0 200 0 0
Vanguard Total Stock Market ETF ETF 922908769   901 3,110 SH   SOLE 0 901 0 0
Vanguard Value ETF ETF 922908744   990 5,850 SH   SOLE 0 990 0 0
Verizon Communications com 92343V104   3,866 96,679 SH   SOLE 0 3,866 0 0
Viatris Inc com 92556V106   593 47,668 SH   SOLE 0 593 0 0
Visa, Inc. com 92826C839   4,075 12,894 SH   SOLE 0 4,075 0 0
Vishay Intertechnology Inc. com 928298108   1,086 64,109 SH   SOLE 0 1,086 0 0
Vistra Corp. com 92840M102   254 1,841 SH   SOLE 0 254 0 0
Vontier Corp com 928881101   1,991 54,603 SH   SOLE 0 1,991 0 0
W.W. Grainger, Inc. com 384802104   315 299 SH   SOLE 0 315 0 0
Wal-Mart Stores Inc com 931142103   8,678 96,046 SH   SOLE 0 8,678 0 0
Wells Fargo & Company com 949746101   219 3,121 SH   SOLE 0 219 0 0
Williams Sonoma com 969904101   2,335 12,607 SH   SOLE 0 2,335 0 0
Xtrackers Muni Infra Rev Bond ETF ETF 233051705   248 9,829 SH   SOLE 0 248 0 0