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
ABBOTT LABS COM 002824100   995,210 8,756 SH   SOLE   0 0 8,756
ABBVIE INC COM 00287Y109   410,260 2,253 SH   SOLE   0 0 2,253
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   900,146 2,597 SH   SOLE   0 0 2,597
ACUITY BRANDS INC COM 00508Y102   370,310 1,378 SH   SOLE   0 0 1,378
ADOBE INC COM 00724F101   1,917,480 3,800 SH   SOLE   0 0 3,800
ADVANCED ENERGY INDS COM 007973100   207,835 2,038 SH   SOLE   0 0 2,038
ADVANCED MICRO DEVICES INC COM 007903107   225,793 1,251 SH   SOLE   0 0 1,251
AECOM COM 00766T100   621,729 6,339 SH   SOLE   0 0 6,339
AEGON LTD AMER REG 1 CERT 0076CA104   354,355 58,571 SH   SOLE   0 0 58,571
AERCAP HOLDINGS NV SHS N00985106   256,037 2,946 SH   SOLE   0 0 2,946
AFFIRM HLDGS INC COM CL A 00827B106   574,139 15,409 SH   SOLE   0 0 15,409
AFLAC INC COM 001055102   701,390 8,169 SH   SOLE   0 0 8,169
AGILENT TECHNOLOGIES INC COM 00846U101   352,716 2,424 SH   SOLE   0 0 2,424
AIR LEASE CORP CL A 00912X302   473,299 9,201 SH   SOLE   0 0 9,201
AIRBNB INC COM CL A 009066101   492,900 2,988 SH   SOLE   0 0 2,988
ALASKA AIR GROUP INC COM 011659109   237,176 5,517 SH   SOLE   0 0 5,517
ALEXANDRIA REAL ESTATE EQ IN COM 015271109   535,105 4,151 SH   SOLE   0 0 4,151
ALIGN TECHNOLOGY INC COM 016255101   284,962 869 SH   SOLE   0 0 869
ALLY FINL INC COM 02005N100   206,035 5,076 SH   SOLE   0 0 5,076
ALPHABET INC CAP STK CL A 02079K305   5,072,757 33,610 SH   SOLE   0 0 33,610
ALPHABET INC CAP STK CL C 02079K107   3,599,031 23,637 SH   SOLE   0 0 23,637
AMAZON COM INC COM 023135106   7,681,843 42,587 SH   SOLE   0 0 42,587
AMERICAN EXPRESS CO COM 025816109   928,064 4,076 SH   SOLE   0 0 4,076
AMERICAN INTL GROUP INC COM NEW 026874784   601,909 7,700 SH   SOLE   0 0 7,700
AMERICAN TOWER CORP NEW COM 03027X100   368,383 1,864 SH   SOLE   0 0 1,864
AMGEN INC COM 031162100   1,096,907 3,858 SH   SOLE   0 0 3,858
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108   1,065,352 17,528 SH   SOLE   0 0 17,528
AON PLC SHS CL A G0403H108   328,380 984 SH   SOLE   0 0 984
APOLLO GLOBAL MGMT INC COM 03769M106   600,258 5,338 SH   SOLE   0 0 5,338
APPLE INC COM 037833100   18,545,384 108,149 SH   SOLE   0 0 108,149
APPLIED MATLS INC COM 038222105   1,008,258 4,889 SH   SOLE   0 0 4,889
ARDAGH METAL PACKAGING S A SHS L02235106   117,831 34,353 SH   SOLE   0 0 34,353
ARROW ELECTRS INC COM 042735100   336,725 2,601 SH   SOLE   0 0 2,601
ASML HOLDING N V N Y REGISTRY SHS N07059210   443,505 457 SH   SOLE   0 0 457
ASTRAZENECA PLC SPONSORED ADR 046353108   1,199,311 17,702 SH   SOLE   0 0 17,702
AT&T INC COM 00206R102   425,124 24,155 SH   SOLE   0 0 24,155
ATI INC COM 01741R102   301,494 5,892 SH   SOLE   0 0 5,892
AUTODESK INC COM 052769106   396,880 1,524 SH   SOLE   0 0 1,524
AUTOMATIC DATA PROCESSING IN COM 053015103   1,036,846 4,152 SH   SOLE   0 0 4,152
AVALONBAY CMNTYS INC COM 053484101   358,502 1,932 SH   SOLE   0 0 1,932
AXALTA COATING SYS LTD COM G0750C108   227,146 6,605 SH   SOLE   0 0 6,605
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   1,200,268 101,374 SH   SOLE   0 0 101,374
BANCO SANTANDER S.A. ADR 05964H105   110,981 22,930 SH   SOLE   0 0 22,930
BANK NEW YORK MELLON CORP COM 064058100   719,155 12,481 SH   SOLE   0 0 12,481
BECTON DICKINSON & CO COM 075887109   427,324 1,727 SH   SOLE   0 0 1,727
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,380,567 3,283 SH   SOLE   0 0 3,283
BLACKSTONE INC COM 09260D107   704,406 5,362 SH   SOLE   0 0 5,362
BLOCK INC CL A 852234103   508,580 6,013 SH   SOLE   0 0 6,013
BOOKING HOLDINGS INC COM 09857L108   965,016 266 SH   SOLE   0 0 266
BOSTON PROPERTIES INC COM 101121101   284,817 4,361 SH   SOLE   0 0 4,361
BOSTON SCIENTIFIC CORP COM 101137107   822,839 12,014 SH   SOLE   0 0 12,014
BRISTOL-MYERS SQUIBB CO COM 110122108   471,499 8,694 SH   SOLE   0 0 8,694
BROADCOM INC COM 11135F101   388,345 293 SH   SOLE   0 0 293
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   468,310 2,286 SH   SOLE   0 0 2,286
CADENCE DESIGN SYSTEM INC COM 127387108   213,538 686 SH   SOLE   0 0 686
CARLISLE COS INC COM 142339100   448,900 1,146 SH   SOLE   0 0 1,146
CARRIER GLOBAL CORPORATION COM 14448C104   226,126 3,890 SH   SOLE   0 0 3,890
CBRE GROUP INC CL A 12504L109   667,553 6,865 SH   SOLE   0 0 6,865
CDW CORP COM 12514G108   749,947 2,932 SH   SOLE   0 0 2,932
CHECK POINT SOFTWARE TECH LT ORD M22465104   546,317 3,331 SH   SOLE   0 0 3,331
CHESAPEAKE UTILS CORP COM 165303108   712,043 6,636 SH   SOLE   0 0 6,636
CHIPOTLE MEXICAN GRILL INC COM 169656105   758,667 261 SH   SOLE   0 0 261
CHUBB LIMITED COM H1467J104   519,815 2,006 SH   SOLE   0 0 2,006
CHURCH & DWIGHT CO INC COM 171340102   522,790 5,012 SH   SOLE   0 0 5,012
CINTAS CORP COM 172908105   647,182 942 SH   SOLE   0 0 942
CITIZENS FINL GROUP INC COM 174610105   313,800 8,647 SH   SOLE   0 0 8,647
CLOUDFLARE INC CL A COM 18915M107   347,039 3,584 SH   SOLE   0 0 3,584
CME GROUP INC COM 12572Q105   296,239 1,376 SH   SOLE   0 0 1,376
COCA COLA CO COM 191216100   201,876 3,300 SH   SOLE   0 0 3,300
COINBASE GLOBAL INC COM CL A 19260Q107   488,616 1,843 SH   SOLE   0 0 1,843
COLGATE PALMOLIVE CO COM 194162103   283,297 3,146 SH   SOLE   0 0 3,146
COMCAST CORP NEW CL A 20030N101   844,653 19,485 SH   SOLE   0 0 19,485
CONAGRA BRANDS INC COM 205887102   433,811 14,636 SH   SOLE   0 0 14,636
CONSTELLATION BRANDS INC CL A 21036P108   458,187 1,686 SH   SOLE   0 0 1,686
CONSTELLATION ENERGY CORP COM 21037T109   333,469 1,804 SH   SOLE   0 0 1,804
COPA HOLDINGS SA CL A P31076105   1,000,248 9,603 SH   SOLE   0 0 9,603
COPART INC COM 217204106   239,557 4,136 SH   SOLE   0 0 4,136
CORNING INC COM 219350105   493,401 14,970 SH   SOLE   0 0 14,970
CORTEVA INC COM 22052L104   925,488 16,048 SH   SOLE   0 0 16,048
COSTCO WHSL CORP NEW COM 22160K105   803,736 1,097 SH   SOLE   0 0 1,097
COUPANG INC CL A 22266T109   289,906 16,296 SH   SOLE   0 0 16,296
CROWDSTRIKE HLDGS INC CL A 22788C105   934,840 2,916 SH   SOLE   0 0 2,916
CROWN CASTLE INC COM 22822V101   557,421 5,267 SH   SOLE   0 0 5,267
CVS HEALTH CORP COM 126650100   1,273,129 15,962 SH   SOLE   0 0 15,962
D R HORTON INC COM 23331A109   740,640 4,501 SH   SOLE   0 0 4,501
DANAHER CORPORATION COM 235851102   679,738 2,722 SH   SOLE   0 0 2,722
DARDEN RESTAURANTS INC COM 237194105   349,845 2,093 SH   SOLE   0 0 2,093
DAYFORCE INC COM 15677J108   207,171 3,129 SH   SOLE   0 0 3,129
DECKERS OUTDOOR CORP COM 243537107   433,921 461 SH   SOLE   0 0 461
DEERE & CO COM 244199105   439,109 1,069 SH   SOLE   0 0 1,069
DELEK US HLDGS INC NEW COM 24665A103   543,452 17,679 SH   SOLE   0 0 17,679
DEXCOM INC COM 252131107   672,695 4,850 SH   SOLE   0 0 4,850
DHT HOLDINGS INC SHS NEW Y2065G121   384,353 33,422 SH   SOLE   0 0 33,422
DIAGEO PLC SPON ADR NEW 25243Q205   826,251 5,555 SH   SOLE   0 0 5,555
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   242,376 4,254 SH   SOLE   0 0 4,254
DISCOVER FINL SVCS COM 254709108   301,769 2,302 SH   SOLE   0 0 2,302
DISNEY WALT CO COM 254687106   1,123,292 9,180 SH   SOLE   0 0 9,180
DIVERSIFIED HEALTHCARE TR COM SH BEN INT 25525P107   25,641 10,423 SH   SOLE   0 0 10,423
DOLLAR GEN CORP NEW COM 256677105   315,397 2,021 SH   SOLE   0 0 2,021
DOLLAR TREE INC COM 256746108   402,646 3,024 SH   SOLE   0 0 3,024
DONALDSON INC COM 257651109   578,471 7,746 SH   SOLE   0 0 7,746
DOORDASH INC CL A 25809K105   1,826,994 13,266 SH   SOLE   0 0 13,266
DUPONT DE NEMOURS INC COM 26614N102   254,698 3,322 SH   SOLE   0 0 3,322
EATON CORP PLC SHS G29183103   337,694 1,080 SH   SOLE   0 0 1,080
EBAY INC. COM 278642103   557,146 10,556 SH   SOLE   0 0 10,556
ECOLAB INC COM 278865100   2,960,655 12,822 SH   SOLE   0 0 12,822
EDISON INTL COM 281020107   501,759 7,094 SH   SOLE   0 0 7,094
EDWARDS LIFESCIENCES CORP COM 28176E108   599,352 6,272 SH   SOLE   0 0 6,272
ELEVANCE HEALTH INC COM 036752103   376,979 727 SH   SOLE   0 0 727
ELI LILLY & CO COM 532457108   2,723,657 3,501 SH   SOLE   0 0 3,501
EMCOR GROUP INC COM 29084Q100   220,276 629 SH   SOLE   0 0 629
ENTEGRIS INC COM 29362U104   1,077,380 7,666 SH   SOLE   0 0 7,666
EQUIFAX INC COM 294429105   543,333 2,031 SH   SOLE   0 0 2,031
EQUITABLE HLDGS INC COM 29452E101   406,365 10,691 SH   SOLE   0 0 10,691
ESAB CORPORATION COM 29605J106   212,405 1,921 SH   SOLE   0 0 1,921
EVOLUTION PETE CORP COM 30049A107   222,090 36,171 SH   SOLE   0 0 36,171
EXPEDIA GROUP INC COM NEW 30212P303   439,698 3,192 SH   SOLE   0 0 3,192
EXPEDITORS INTL WASH INC COM 302130109   450,660 3,707 SH   SOLE   0 0 3,707
FAIR ISAAC CORP COM 303250104   401,125 321 SH   SOLE   0 0 321
FIDELITY NATL INFORMATION SV COM 31620M106   398,124 5,367 SH   SOLE   0 0 5,367
FISERV INC COM 337738108   678,276 4,244 SH   SOLE   0 0 4,244
FLOWSERVE CORP COM 34354P105   201,723 4,416 SH   SOLE   0 0 4,416
FMC CORP COM NEW 302491303   478,394 7,510 SH   SOLE   0 0 7,510
FORMFACTOR INC COM 346375108   228,698 5,012 SH   SOLE   0 0 5,012
FORTIVE CORP COM 34959J108   880,931 10,241 SH   SOLE   0 0 10,241
FORTUNE BRANDS INNOVATIONS I COM 34964C106   277,464 3,277 SH   SOLE   0 0 3,277
FULLER H B CO COM 359694106   341,606 4,284 SH   SOLE   0 0 4,284
GALLAGHER ARTHUR J & CO COM 363576109   523,084 2,092 SH   SOLE   0 0 2,092
GARTNER INC COM 366651107   784,599 1,646 SH   SOLE   0 0 1,646
GENERAL MLS INC COM 370334104   565,148 8,077 SH   SOLE   0 0 8,077
GENTEX CORP COM 371901109   440,194 12,187 SH   SOLE   0 0 12,187
GILEAD SCIENCES INC COM 375558103   780,332 10,653 SH   SOLE   0 0 10,653
GLOBAL PMTS INC COM 37940X102   259,434 1,941 SH   SOLE   0 0 1,941
GLOBALFOUNDRIES INC ORDINARY SHARES G39387108   464,717 8,918 SH   SOLE   0 0 8,918
GODADDY INC CL A 380237107   230,951 1,946 SH   SOLE   0 0 1,946
GOLAR LNG LTD SHS G9456A100   489,308 20,337 SH   SOLE   0 0 20,337
GOLDMAN SACHS GROUP INC COM 38141G104   1,227,025 2,938 SH   SOLE   0 0 2,938
GRAB HOLDINGS LIMITED CLASS A ORD G4124C109   194,482 61,937 SH   SOLE   0 0 61,937
GRACO INC COM 384109104   224,024 2,397 SH   SOLE   0 0 2,397
GRAINGER W W INC COM 384802104   512,719 504 SH   SOLE   0 0 504
GSK PLC SPONSORED ADR 37733W204   615,013 14,346 SH   SOLE   0 0 14,346
GXO LOGISTICS INCORPORATED COMMON STOCK 36262G101   290,358 5,401 SH   SOLE   0 0 5,401
HALEON PLC SPON ADS 405552100   151,869 17,888 SH   SOLE   0 0 17,888
HARTFORD FINL SVCS GROUP INC COM 416515104   200,329 1,944 SH   SOLE   0 0 1,944
HCA HEALTHCARE INC COM 40412C101   201,452 604 SH   SOLE   0 0 604
HEWLETT PACKARD ENTERPRISE C COM 42824C109   289,956 16,354 SH   SOLE   0 0 16,354
HIGHPEAK ENERGY INC COM 43114Q105   246,501 15,631 SH   SOLE   0 0 15,631
HOME DEPOT INC COM 437076102   969,347 2,527 SH   SOLE   0 0 2,527
HORMEL FOODS CORP COM 440452100   3,317,934 95,097 SH   SOLE   0 0 95,097
HOST HOTELS & RESORTS INC COM 44107P104   371,785 17,978 SH   SOLE   0 0 17,978
HP INC COM 40434L105   496,545 16,431 SH   SOLE   0 0 16,431
HSBC HLDGS PLC SPON ADR NEW 404280406   600,397 15,254 SH   SOLE   0 0 15,254
HUBBELL INC COM 443510607   850,437 2,049 SH   SOLE   0 0 2,049
HUBSPOT INC COM 443573100   1,976,170 3,154 SH   SOLE   0 0 3,154
HUNTINGTON BANCSHARES INC COM 446150104   309,327 22,174 SH   SOLE   0 0 22,174
ICHOR HOLDINGS SHS G4740B105   285,209 7,385 SH   SOLE   0 0 7,385
ICON PLC SHS G4705A100   328,559 978 SH   SOLE   0 0 978
IDEXX LABS INC COM 45168D104   573,946 1,063 SH   SOLE   0 0 1,063
ILLINOIS TOOL WKS INC COM 452308109   1,185,625 4,419 SH   SOLE   0 0 4,419
ING GROEP N.V. SPONSORED ADR 456837103   470,888 28,556 SH   SOLE   0 0 28,556
INTEL CORP COM 458140100   332,259 7,522 SH   SOLE   0 0 7,522
INTERCONTINENTAL EXCHANGE IN COM 45866F104   636,576 4,632 SH   SOLE   0 0 4,632
INTERNATIONAL BUSINESS MACHS COM 459200101   256,650 1,344 SH   SOLE   0 0 1,344
INTERNATIONAL FLAVORS&FRAGRA COM 459506101   518,692 6,032 SH   SOLE   0 0 6,032
INTERPUBLIC GROUP COS INC COM 460690100   354,949 10,878 SH   SOLE   0 0 10,878
INTUIT COM 461202103   1,208,350 1,859 SH   SOLE   0 0 1,859
INTUITIVE SURGICAL INC COM NEW 46120E602   786,606 1,971 SH   SOLE   0 0 1,971
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   1,549,458 75,842 SH   SOLE   0 0 75,842
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   1,545,970 80,477 SH   SOLE   0 0 80,477
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   1,544,563 80,071 SH   SOLE   0 0 80,071
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643   1,541,102 76,786 SH   SOLE   0 0 76,786
INVESCO EXCH TRD SLF IDX FD BULETSHS 2029 46138J577   974,119 53,231 SH   SOLE   0 0 53,231
INVESCO EXCH TRD SLF IDX FD BULETSHS 2031 CP 46138J429   942,521 58,469 SH   SOLE   0 0 58,469
INVESCO EXCH TRD SLF IDX FD INVSCO 30 CORP 46138J460   955,680 58,309 SH   SOLE   0 0 58,309
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   1,559,788 74,382 SH   SOLE   0 0 74,382
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   5,267,505 136,925 SH   SOLE   0 0 136,925
INVESCO EXCHNG TRAD SLF INDE BULLETSHS 2032 46139W858   940,046 46,422 SH   SOLE   0 0 46,422
INVESCO EXCHNG TRAD SLF INDE INVESCO BULLETSH 46139W825   952,496 45,683 SH   SOLE   0 0 45,683
INVESCO QQQ TR UNIT SER 1 46090E103   380,930 858 SH   SOLE   0 0 858
INVITATION HOMES INC COM 46187W107   326,615 9,172 SH   SOLE   0 0 9,172
IQVIA HLDGS INC COM 46266C105   417,774 1,652 SH   SOLE   0 0 1,652
IRON MTN INC DEL COM 46284V101   474,522 5,916 SH   SOLE   0 0 5,916
ISHARES INC ESG AWR MSCI EM 46434G863   52,333,071 1,623,738 SH   SOLE   0 0 1,623,738
ISHARES INC CORE MSCI EMKT 46434G103   5,175,517 100,301 SH   SOLE   0 0 100,301
ISHARES INC FRONTIER AND SEL 464286145   531,514 18,552 SH   SOLE   0 0 18,552
ISHARES TR ESG AW MSCI EAFE 46435G516   62,149,300 777,741 SH   SOLE   0 0 777,741
ISHARES TR MSCI KLD400 SOC 464288570   467,658 4,639 SH   SOLE   0 0 4,639
ISHARES TR CORE S&P SCP ETF 464287804   3,161,820 28,609 SH   SOLE   0 0 28,609
ISHARES TR ESG MSCI LEADR 46435U218   7,799,562 83,107 SH   SOLE   0 0 83,107
ISHARES TR BROAD USD HIGH 46435U853   3,655,392 99,901 SH   SOLE   0 0 99,901
ISHARES TR RUS MDCP VAL ETF 464287473   256,844 2,049 SH   SOLE   0 0 2,049
ISHARES TR RUSSELL 2000 ETF 464287655   549,565 2,613 SH   SOLE   0 0 2,613
ISHARES TR RUS 1000 GRW ETF 464287614   1,161,817 3,447 SH   SOLE   0 0 3,447
ISHARES TR CORE MSCI EAFE 46432F842   10,943,974 147,453 SH   SOLE   0 0 147,453
ISHARES TR U.S. TECH ETF 464287721   392,079 2,903 SH   SOLE   0 0 2,903
ISHARES TR S&P 500 GRWT ETF 464287309   303,562 3,595 SH   SOLE   0 0 3,595
ISHARES TR CORE S&P US GWT 464287671   311,075 2,654 SH   SOLE   0 0 2,654
ISHARES TR CORE TOTAL USD 46434V613   550,818 12,082 SH   SOLE   0 0 12,082
ISHARES TR CORE S&P500 ETF 464287200   8,313,692 15,814 SH   SOLE   0 0 15,814
ISHARES TR S&P MC 400GR ETF 464287606   256,127 2,807 SH   SOLE   0 0 2,807
ISHARES TR S&P MC 400VL ETF 464287705   354,154 2,994 SH   SOLE   0 0 2,994
ISHARES TR RUS MID CAP ETF 464287499   2,346,195 27,901 SH   SOLE   0 0 27,901
ISHARES TR S&P 500 VAL ETF 464287408   472,400 2,529 SH   SOLE   0 0 2,529
ISHARES TR GLB INFRASTR ETF 464288372   271,434 5,700 SH   SOLE   0 0 5,700
ISHARES TR RUS 1000 ETF 464287622   1,146,647 3,981 SH   SOLE   0 0 3,981
ISHARES TR CORE S&P MCP ETF 464287507   4,330,065 71,289 SH   SOLE   0 0 71,289
ISHARES TR MSCI EAFE ETF 464287465   497,937 6,235 SH   SOLE   0 0 6,235
ISHARES TR RUS 1000 VAL ETF 464287598   2,013,495 11,242 SH   SOLE   0 0 11,242
ISHARES TR JPMORGAN USD EMG 464288281   7,924,850 88,378 SH   SOLE   0 0 88,378
ISHARES TR NATIONAL MUN ETF 464288414   94,874,307 881,732 SH   SOLE   0 0 881,732
ISHARES TR SHRT NAT MUN ETF 464288158   59,431,642 567,475 SH   SOLE   0 0 567,475
ISHARES TR MSCI USA ESG SLC 464288802   25,486,723 233,459 SH   SOLE   0 0 233,459
JABIL INC COM 466313103   498,026 3,718 SH   SOLE   0 0 3,718
JOHNSON & JOHNSON COM 478160104   259,492 1,640 SH   SOLE   0 0 1,640
JPMORGAN CHASE & CO COM 46625H100   988,283 4,934 SH   SOLE   0 0 4,934
KENVUE INC COM 49177J102   250,889 11,691 SH   SOLE   0 0 11,691
KIMBERLY-CLARK CORP COM 494368103   475,368 3,675 SH   SOLE   0 0 3,675
KULICKE & SOFFA INDS INC COM 501242101   407,259 8,095 SH   SOLE   0 0 8,095
LAMAR ADVERTISING CO NEW CL A 512816109   301,271 2,523 SH   SOLE   0 0 2,523
LATTICE SEMICONDUCTOR CORP COM 518415104   740,916 9,471 SH   SOLE   0 0 9,471
LAUDER ESTEE COS INC CL A 518439104   809,288 5,250 SH   SOLE   0 0 5,250
LIBERTY ENERGY INC COM CL A 53115L104   483,501 23,335 SH   SOLE   0 0 23,335
LI-CYCLE HOLDINGS CORP COMMON SHARES 50202P105   19,366 18,802 SH   SOLE   0 0 18,802
LIGHT & WONDER INC COM 80874P109   201,424 1,973 SH   SOLE   0 0 1,973
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   609,961 235,506 SH   SOLE   0 0 235,506
LOCKHEED MARTIN CORP COM 539830109   289,459 636 SH   SOLE   0 0 636
LULULEMON ATHLETICA INC COM 550021109   360,570 923 SH   SOLE   0 0 923
MARSH & MCLENNAN COS INC COM 571748102   746,266 3,623 SH   SOLE   0 0 3,623
MASTERCARD INCORPORATED CL A 57636Q104   1,725,947 3,584 SH   SOLE   0 0 3,584
MATERION CORP COM 576690101   276,412 2,098 SH   SOLE   0 0 2,098
MCDONALDS CORP COM 580135101   440,460 1,562 SH   SOLE   0 0 1,562
MEDICAL PPTYS TRUST INC COM 58463J304   129,081 27,464 SH   SOLE   0 0 27,464
MEDTRONIC PLC SHS G5960L103   448,300 5,144 SH   SOLE   0 0 5,144
MERCK & CO INC COM 58933Y105   2,190,855 16,604 SH   SOLE   0 0 16,604
META PLATFORMS INC CL A 30303M102   12,947,601 26,664 SH   SOLE   0 0 26,664
METLIFE INC COM 59156R108   388,707 5,245 SH   SOLE   0 0 5,245
METTLER TOLEDO INTERNATIONAL COM 592688105   407,375 306 SH   SOLE   0 0 306
MICROSOFT CORP COM 594918104   12,311,953 29,264 SH   SOLE   0 0 29,264
MIDDLEBY CORP COM 596278101   606,339 3,771 SH   SOLE   0 0 3,771
MKS INSTRS INC COM 55306N104   760,893 5,721 SH   SOLE   0 0 5,721
MODERNA INC COM 60770K107   205,448 1,928 SH   SOLE   0 0 1,928
MONDAY COM LTD SHS M7S64H106   325,930 1,443 SH   SOLE   0 0 1,443
MONDELEZ INTL INC CL A 609207105   550,245 7,861 SH   SOLE   0 0 7,861
MONGODB INC CL A 60937P106   335,687 936 SH   SOLE   0 0 936
MOODYS CORP COM 615369105   626,451 1,594 SH   SOLE   0 0 1,594
MSCI INC COM 55354G100   706,167 1,260 SH   SOLE   0 0 1,260
NATWEST GROUP PLC SPONS ADR 639057207   171,652 25,243 SH   SOLE   0 0 25,243
NETFLIX INC COM 64110L106   8,245,719 13,577 SH   SOLE   0 0 13,577
NEW JERSEY RES CORP COM 646025106   696,687 16,236 SH   SOLE   0 0 16,236
NIKE INC CL B 654106103   497,530 5,294 SH   SOLE   0 0 5,294
NOBLE CORP PLC ORD SHS A G65431127   414,686 8,552 SH   SOLE   0 0 8,552
NOMURA HLDGS INC SPONSORED ADR 65535H208   246,323 38,368 SH   SOLE   0 0 38,368
NORDIC AMERICAN TANKERS LIMI COM G65773106   68,663 17,516 SH   SOLE   0 0 17,516
NORFOLK SOUTHN CORP COM 655844108   448,316 1,759 SH   SOLE   0 0 1,759
NORTHERN OIL & GAS INC COM 665531307   241,731 6,092 SH   SOLE   0 0 6,092
NORTHERN TR CORP COM 665859104   368,929 4,149 SH   SOLE   0 0 4,149
NOVARTIS AG SPONSORED ADR 66987V109   1,571,863 16,250 SH   SOLE   0 0 16,250
NOVO-NORDISK A S ADR 670100205   2,811,703 21,898 SH   SOLE   0 0 21,898
NU HLDGS LTD ORD SHS CL A G6683N103   364,843 30,582 SH   SOLE   0 0 30,582
NUCOR CORP COM 670346105   966,346 4,883 SH   SOLE   0 0 4,883
NVIDIA CORPORATION COM 67066G104   1,818,866 2,013 SH   SOLE   0 0 2,013
NXP SEMICONDUCTORS N V COM N6596X109   548,563 2,214 SH   SOLE   0 0 2,214
OMNICOM GROUP INC COM 681919106   399,273 4,126 SH   SOLE   0 0 4,126
ORACLE CORP COM 68389X105   837,065 6,664 SH   SOLE   0 0 6,664
ORANGE SPONSORED ADR 684060106   360,597 30,637 SH   SOLE   0 0 30,637
OTIS WORLDWIDE CORP COM 68902V107   1,238,294 12,474 SH   SOLE   0 0 12,474
OVERSEAS SHIPHOLDING GROUP I CL A NEW 69036R863   100,634 15,724 SH   SOLE   0 0 15,724
PACCAR INC COM 693718108   225,728 1,822 SH   SOLE   0 0 1,822
PACTIV EVERGREEN INC COM 69526K105   496,446 34,668 SH   SOLE   0 0 34,668
PAYCHEX INC COM 704326107   502,620 4,093 SH   SOLE   0 0 4,093
PAYCOM SOFTWARE INC COM 70432V102   268,664 1,350 SH   SOLE   0 0 1,350
PEARSON PLC SPONSORED ADR 705015105   222,088 16,876 SH   SOLE   0 0 16,876
PEPSICO INC COM 713448108   299,763 1,713 SH   SOLE   0 0 1,713
PFIZER INC COM 717081103   540,961 19,494 SH   SOLE   0 0 19,494
PHILLIPS EDISON & CO INC COMMON STOCK 71844V201   331,316 9,237 SH   SOLE   0 0 9,237
PINTEREST INC CL A 72352L106   202,958 5,854 SH   SOLE   0 0 5,854
PNC FINL SVCS GROUP INC COM 693475105   469,448 2,905 SH   SOLE   0 0 2,905
PRINCIPAL FINANCIAL GROUP IN COM 74251V102   429,651 4,978 SH   SOLE   0 0 4,978
PROCTER AND GAMBLE CO COM 742718109   433,698 2,673 SH   SOLE   0 0 2,673
PROGRESSIVE CORP COM 743315103   702,361 3,396 SH   SOLE   0 0 3,396
PROLOGIS INC. COM 74340W103   831,455 6,385 SH   SOLE   0 0 6,385
PRUDENTIAL FINL INC COM 744320102   775,779 6,608 SH   SOLE   0 0 6,608
PULTE GROUP INC COM 745867101   439,177 3,641 SH   SOLE   0 0 3,641
RAMBUS INC DEL COM 750917106   386,807 6,258 SH   SOLE   0 0 6,258
REGENERON PHARMACEUTICALS COM 75886F107   301,259 313 SH   SOLE   0 0 313
REGIONS FINANCIAL CORP NEW COM 7591EP100   343,289 16,316 SH   SOLE   0 0 16,316
RELIANCE INC COM 759509102   1,249,499 3,739 SH   SOLE   0 0 3,739
RELX PLC SPONSORED ADR 759530108   1,514,934 34,995 SH   SOLE   0 0 34,995
RESMED INC COM 761152107   547,553 2,765 SH   SOLE   0 0 2,765
RILEY EXPLORATION PERMIAN IN COM 76665T102   225,390 6,830 SH   SOLE   0 0 6,830
RIVIAN AUTOMOTIVE INC COM CL A 76954A103   131,608 12,019 SH   SOLE   0 0 12,019
ROPER TECHNOLOGIES INC COM 776696106   404,926 722 SH   SOLE   0 0 722
S&P GLOBAL INC COM 78409V104   1,252,315 2,944 SH   SOLE   0 0 2,944
SABRE CORP COM 78573M104   48,402 20,001 SH   SOLE   0 0 20,001
SAFE BULKERS INC COM Y7388L103   121,654 24,527 SH   SOLE   0 0 24,527
SALESFORCE INC COM 79466L302   1,431,810 4,754 SH   SOLE   0 0 4,754
SANOFI SPONSORED ADR 80105N105   747,808 15,387 SH   SOLE   0 0 15,387
SAP SE SPON ADR 803054204   2,808,822 14,402 SH   SOLE   0 0 14,402
SCHWAB CHARLES CORP COM 808513105   590,945 8,169 SH   SOLE   0 0 8,169
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   397,440 8,071 SH   SOLE   0 0 8,071
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,516,981 38,877 SH   SOLE   0 0 38,877
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   17,495,706 286,580 SH   SOLE   0 0 286,580
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   742,461 9,208 SH   SOLE   0 0 9,208
SCHWAB STRATEGIC TR US TIPS ETF 808524870   3,135,695 60,117 SH   SOLE   0 0 60,117
SCORPIO TANKERS INC SHS Y7542C130   397,818 5,560 SH   SOLE   0 0 5,560
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   760,186 3,650 SH   SOLE   0 0 3,650
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   379,206 9,003 SH   SOLE   0 0 9,003
SERVICE CORP INTL COM 817565104   251,795 3,393 SH   SOLE   0 0 3,393
SERVICENOW INC COM 81762P102   1,103,955 1,448 SH   SOLE   0 0 1,448
SFL CORPORATION LTD SHS G7738W106   629,516 47,763 SH   SOLE   0 0 47,763
SIMON PPTY GROUP INC NEW COM 828806109   870,241 5,561 SH   SOLE   0 0 5,561
SJW GROUP COM 784305104   292,401 5,167 SH   SOLE   0 0 5,167
SKYWORKS SOLUTIONS INC COM 83088M102   915,304 8,450 SH   SOLE   0 0 8,450
SM ENERGY CO COM 78454L100   1,581,990 31,735 SH   SOLE   0 0 31,735
SMITH & NEPHEW PLC SPDN ADR NEW 83175M205   268,638 10,593 SH   SOLE   0 0 10,593
SMITH A O CORP COM 831865209   379,131 4,238 SH   SOLE   0 0 4,238
SNAP ON INC COM 833034101   258,008 871 SH   SOLE   0 0 871
SONY GROUP CORP SPONSORED ADR 835699307   1,513,140 17,648 SH   SOLE   0 0 17,648
SOUTHWEST GAS HLDGS INC COM 844895102   202,201 2,656 SH   SOLE   0 0 2,656
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   702,086 19,400 SH   SOLE   0 0 19,400
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   251,382 7,014 SH   SOLE   0 0 7,014
SPDR S&P 500 ETF TR TR UNIT 78462F103   5,886,735 11,254 SH   SOLE   0 0 11,254
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   204,199 367 SH   SOLE   0 0 367
SPDR SER TR PRTFLO S&P500 GW 78464A409   526,973 7,204 SH   SOLE   0 0 7,204
SPDR SER TR PRTFLO S&P500 VL 78464A508   3,870,010 77,246 SH   SOLE   0 0 77,246
SPDR SER TR BLOOMBERG HIGH Y 78468R622   5,141,372 54,006 SH   SOLE   0 0 54,006
SPOTIFY TECHNOLOGY S A SHS L8681T102   2,349,766 8,904 SH   SOLE   0 0 8,904
SPX TECHNOLOGIES INC COM 78473E103   519,362 4,218 SH   SOLE   0 0 4,218
STANLEY BLACK & DECKER INC COM 854502101   511,390 5,222 SH   SOLE   0 0 5,222
STATE STR CORP COM 857477103   232,965 3,013 SH   SOLE   0 0 3,013
STRYKER CORPORATION COM 863667101   855,667 2,391 SH   SOLE   0 0 2,391
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   133,107 11,309 SH   SOLE   0 0 11,309
SYNAPTICS INC COM 87157D109   471,703 4,835 SH   SOLE   0 0 4,835
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205   1,086,740 78,239 SH   SOLE   0 0 78,239
TARGET CORP COM 87612E106   909,927 5,135 SH   SOLE   0 0 5,135
TD SYNNEX CORPORATION COM 87162W100   266,916 2,360 SH   SOLE   0 0 2,360
TEEKAY TANKERS LTD CL A Y8565N300   226,456 3,877 SH   SOLE   0 0 3,877
TELEFONICA S A SPONSORED ADR 879382208   310,720 70,458 SH   SOLE   0 0 70,458
TERRAN ORBITAL CORPORATION COM 88105P103   15,797 12,059 SH   SOLE   0 0 12,059
TESLA INC COM 88160R101   882,466 5,020 SH   SOLE   0 0 5,020
THE BEAUTY HEALTH COMPANY COM CL A 88331L108   60,539 13,635 SH   SOLE   0 0 13,635
THE CIGNA GROUP COM 125523100   818,993 2,255 SH   SOLE   0 0 2,255
THE TRADE DESK INC COM CL A 88339J105   1,091,176 12,482 SH   SOLE   0 0 12,482
THERMO FISHER SCIENTIFIC INC COM 883556102   737,028 1,268 SH   SOLE   0 0 1,268
TJX COS INC NEW COM 872540109   999,837 9,858 SH   SOLE   0 0 9,858
T-MOBILE US INC COM 872590104   983,373 6,025 SH   SOLE   0 0 6,025
TOAST INC CL A 888787108   587,439 23,573 SH   SOLE   0 0 23,573
TOYOTA MOTOR CORP ADS 892331307   206,881 822 SH   SOLE   0 0 822
TRACTOR SUPPLY CO COM 892356106   406,713 1,554 SH   SOLE   0 0 1,554
TRANSDIGM GROUP INC COM 893641100   201,982 164 SH   SOLE   0 0 164
TRAVELERS COMPANIES INC COM 89417E109   200,682 872 SH   SOLE   0 0 872
TRUIST FINL CORP COM 89832Q109   494,070 12,675 SH   SOLE   0 0 12,675
TYLER TECHNOLOGIES INC COM 902252105   219,305 516 SH   SOLE   0 0 516
UBER TECHNOLOGIES INC COM 90353T100   1,208,512 15,697 SH   SOLE   0 0 15,697
UFP INDUSTRIES INC COM 90278Q108   309,862 2,519 SH   SOLE   0 0 2,519
ULTRA CLEAN HLDGS INC COM 90385V107   395,497 8,609 SH   SOLE   0 0 8,609
UNILEVER PLC SPON ADR NEW 904767704   1,151,007 22,933 SH   SOLE   0 0 22,933
UNITEDHEALTH GROUP INC COM 91324P102   1,536,087 3,105 SH   SOLE   0 0 3,105
UNITI GROUP INC COM 91325V108   95,438 16,176 SH   SOLE   0 0 16,176
UNITIL CORP COM 913259107   269,236 5,143 SH   SOLE   0 0 5,143
US BANCORP DEL COM NEW 902973304   504,663 11,290 SH   SOLE   0 0 11,290
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   9,720,719 186,007 SH   SOLE   0 0 186,007
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   4,733,672 193,132 SH   SOLE   0 0 193,132
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   557,525 2,478 SH   SOLE   0 0 2,478
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   18,145,153 236,665 SH   SOLE   0 0 236,665
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   46,126,139 635,083 SH   SOLE   0 0 635,083
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,713,975 3,566 SH   SOLE   0 0 3,566
VANGUARD INDEX FDS GROWTH ETF 922908736   2,900,909 8,428 SH   SOLE   0 0 8,428
VANGUARD INDEX FDS SML CP GRW ETF 922908595   471,642 1,809 SH   SOLE   0 0 1,809
VANGUARD INDEX FDS SMALL CP ETF 922908751   39,465,451 172,648 SH   SOLE   0 0 172,648
VANGUARD INDEX FDS SM CP VAL ETF 922908611   12,551,480 65,414 SH   SOLE   0 0 65,414
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   11,050,952 127,786 SH   SOLE   0 0 127,786
VANGUARD INDEX FDS VALUE ETF 922908744   56,565,457 347,326 SH   SOLE   0 0 347,326
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   19,093,733 122,467 SH   SOLE   0 0 122,467
VANGUARD INDEX FDS MID CAP ETF 922908629   33,747,670 135,066 SH   SOLE   0 0 135,066
VANGUARD INDEX FDS TOTAL STK MKT 922908769   390,895,748 1,504,023 SH   SOLE   0 0 1,504,023
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   868,617 14,810 SH   SOLE   0 0 14,810
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   88,689,839 2,123,291 SH   SOLE   0 0 2,123,291
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   9,809,684 232,788 SH   SOLE   0 0 232,788
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   186,206,236 3,711,506 SH   SOLE   0 0 3,711,506
VANGUARD WORLD FD ESG US STK ETF 921910733   469,944 5,043 SH   SOLE   0 0 5,043
VANGUARD WORLD FD ESG INTL STK ETF 921910725   268,423 4,671 SH   SOLE   0 0 4,671
VANGUARD WORLD FD FINANCIALS ETF 92204A405   248,501 2,427 SH   SOLE   0 0 2,427
VEEVA SYS INC CL A COM 922475108   464,538 2,005 SH   SOLE   0 0 2,005
VENTAS INC COM 92276F100   208,992 4,800 SH   SOLE   0 0 4,800
VERISK ANALYTICS INC COM 92345Y106   505,412 2,144 SH   SOLE   0 0 2,144
VERIZON COMMUNICATIONS INC COM 92343V104   871,215 20,763 SH   SOLE   0 0 20,763
VERTEX PHARMACEUTICALS INC COM 92532F100   703,093 1,682 SH   SOLE   0 0 1,682
VISA INC COM CL A 92826C839   2,077,580 7,444 SH   SOLE   0 0 7,444
VISHAY INTERTECHNOLOGY INC COM 928298108   313,392 13,818 SH   SOLE   0 0 13,818
VITESSE ENERGY INC COMMON STOCK 92852X103   266,132 11,215 SH   SOLE   0 0 11,215
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   123,995 13,932 SH   SOLE   0 0 13,932
WALMART INC COM 931142103   340,165 5,653 SH   SOLE   0 0 5,653
WATSCO INC COM 942622200   394,821 914 SH   SOLE   0 0 914
WELLS FARGO CO NEW COM 949746101   303,537 5,237 SH   SOLE   0 0 5,237
WELLTOWER INC COM 95040Q104   441,597 4,726 SH   SOLE   0 0 4,726
WEST PHARMACEUTICAL SVSC INC COM 955306105   234,656 593 SH   SOLE   0 0 593
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   5,612,113 111,595 SH   SOLE   0 0 111,595
WPP PLC NEW ADR 92937A102   369,578 7,797 SH   SOLE   0 0 7,797
ZOETIS INC CL A 98978V103   422,687 2,498 SH   SOLE   0 0 2,498