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
AB ACTIVE ETFS INC ULTRA SHORT INCM 00039J103   37,540,568 738,334 SH   SOLE 0 0 0 738,334
AB ACTIVE ETFS INC DISRUPTORS ETF 00039J509   1,998,662 25,524 SH   SOLE 0 0 0 25,524
ABBOTT LABS COM 002824100   332,453 2,916 SH   SOLE 0 0 0 2,916
ABBVIE INC COM 00287Y109   204,984 1,038 SH   SOLE 0 0 0 1,038
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108   520,119 17,483 SH   SOLE 0 0 0 17,483
ALPHABET INC CAP STK CL C 02079K107   207,316 1,240 SH   SOLE 0 0 0 1,240
ALPHABET INC CAP STK CL A 02079K305   369,680 2,229 SH   SOLE 0 0 0 2,229
AMAZON COM INC COM 023135106   1,268,907 6,810 SH   SOLE 0 0 0 6,810
AMEREN CORP COM 023608102   272,088 3,111 SH   SOLE 0 0 0 3,111
AMPLIFY ETF TR CWP ENHANCED DIV 032108409   348,056 8,450 SH   SOLE 0 0 0 8,450
APPLE INC COM 037833100   7,926,427 34,019 SH   SOLE 0 0 0 34,019
AT&T INC COM 00206R102   763,945 34,725 SH   SOLE 0 0 0 34,725
BANK AMERICA CORP COM 060505104   388,970 9,803 SH   SOLE 0 0 0 9,803
BANK AMERICA CORP 7.25%CNV PFD L 060505682   805,815 633 SH   SOLE 0 0 0 633
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   959,642 2,085 SH   SOLE 0 0 0 2,085
BLACKROCK ETF TRUST II FLEXIBLE INCOME 092528603   2,567,878 47,971 SH   SOLE 0 0 0 47,971
BLACKSTONE INC COM 09260D107   410,259 2,679 SH   SOLE 0 0 0 2,679
BROADCOM INC COM 11135F101   1,129,530 6,548 SH   SOLE 0 0 0 6,548
CATERPILLAR INC COM 149123101   1,002,441 2,563 SH   SOLE 0 0 0 2,563
CHEVRON CORP NEW COM 166764100   1,348,758 9,158 SH   SOLE 0 0 0 9,158
CISCO SYS INC COM 17275R102   617,541 11,604 SH   SOLE 0 0 0 11,604
CITIGROUP INC COM NEW 172967424   312,525 4,992 SH   SOLE 0 0 0 4,992
CLEARWATER PAPER CORP COM 18538R103   531,101 18,609 SH   SOLE 0 0 0 18,609
COCA COLA CO COM 191216100   227,308 3,163 SH   SOLE 0 0 0 3,163
COLGATE PALMOLIVE CO COM 194162103   894,219 8,614 SH   SOLE 0 0 0 8,614
COSTCO WHSL CORP NEW COM 22160K105   600,174 677 SH   SOLE 0 0 0 677
CRANE NXT CO COM 224441105   813,338 14,498 SH   SOLE 0 0 0 14,498
DIGITAL RLTY TR INC COM 253868103   254,397 1,572 SH   SOLE 0 0 0 1,572
DIMENSIONAL ETF TRUST WORLD EQUITY ETF 25434V617   254,855 4,016 SH   SOLE 0 0 0 4,016
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666   9,614,692 312,064 SH   SOLE 0 0 0 312,064
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   205,118 5,168 SH   SOLE 0 0 0 5,168
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   505,967 15,921 SH   SOLE 0 0 0 15,921
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   400,679 11,685 SH   SOLE 0 0 0 11,685
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   1,193,951 21,462 SH   SOLE 0 0 0 21,462
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   268,083 7,040 SH   SOLE 0 0 0 7,040
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   1,486,194 31,131 SH   SOLE 0 0 0 31,131
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   7,606,245 246,956 SH   SOLE 0 0 0 246,956
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   269,883 9,591 SH   SOLE 0 0 0 9,591
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740   518,321 18,212 SH   SOLE 0 0 0 18,212
EATON CORP PLC SHS G29183103   265,152 800 SH   SOLE 0 0 0 800
ELEVATION SERIES TRUST SOVEREIGNS CAPIT 210322202   743,599 24,502 SH   SOLE 0 0 0 24,502
ELI LILLY & CO COM 532457108   6,010,956 6,785 SH   SOLE 0 0 0 6,785
ENTERPRISE PRODS PARTNERS L COM 293792107   203,188 6,980 SH   SOLE 0 0 0 6,980
EOG RES INC COM 26875P101   256,801 2,089 SH   SOLE 0 0 0 2,089
ETFS GOLD TR PHYSCL GOLD SHS 00326A104   2,154,671 85,741 SH   SOLE 0 0 0 85,741
EXXON MOBIL CORP COM 30231G102   967,611 8,255 SH   SOLE 0 0 0 8,255
FEDEX CORP COM 31428X106   309,258 1,130 SH   SOLE 0 0 0 1,130
FIRST TR EXCHANGE-TRADED FD FT VEST GOLD 33733E856   1,009,649 46,808 SH   SOLE 0 0 0 46,808
FIRST TR EXCHANGE-TRADED FD FT VEST S&P 500 33739Q705   577,542 10,601 SH   SOLE 0 0 0 10,601
FORD MTR CO COM 345370860   505,629 47,882 SH   SOLE 0 0 0 47,882
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   212,960 33,537 SH   SOLE 0 0 0 33,537
FS KKR CAP CORP COM 302635206   581,956 29,496 SH   SOLE 0 0 0 29,496
GALLAGHER ARTHUR J & CO COM 363576109   227,347 808 SH   SOLE 0 0 0 808
GARMIN LTD SHS H2906T109   397,828 2,260 SH   SOLE 0 0 0 2,260
GE AEROSPACE COM NEW 369604301   547,171 2,902 SH   SOLE 0 0 0 2,902
GENERAL MTRS CO COM 37045V100   391,381 8,728 SH   SOLE 0 0 0 8,728
HCA HEALTHCARE INC COM 40412C101   1,045,744 2,573 SH   SOLE 0 0 0 2,573
HOME DEPOT INC COM 437076102   1,559,615 3,849 SH   SOLE 0 0 0 3,849
INNOVATIVE INDL PPTYS INC COM 45781V101   221,148 1,643 SH   SOLE 0 0 0 1,643
INTERNATIONAL BUSINESS MACHS COM 459200101   438,623 1,984 SH   SOLE 0 0 0 1,984
INVESCO ACTIVELY MANAGED EXC AAA CLO FLTNG RT 46090A721   749,688 29,239 SH   SOLE 0 0 0 29,239
INVESCO DB MULTI-SECTOR COMM AGRICULTURE FD 46140H106   221,478 8,489 SH   SOLE 0 0 0 8,489
INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214   6,253,925 196,912 SH   SOLE 0 0 0 196,912
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362   286,327 5,662 SH   SOLE 0 0 0 5,662
INVESCO QQQ TR UNIT SER 1 46090E103   482,701 989 SH   SOLE 0 0 0 989
ISHARES INC CORE MSCI EMKT 46434G103   227,631 3,965 SH   SOLE 0 0 0 3,965
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107   237,930 11,330 SH   SOLE 0 0 0 11,330
ISHARES SILVER TR ISHARES 46428Q109   284,697 10,021 SH   SOLE 0 0 0 10,021
ISHARES TR MBS ETF 464288588   948,232 9,897 SH   SOLE 0 0 0 9,897
ISHARES TR PFD AND INCM SEC 464288687   5,250,529 158,006 SH   SOLE 0 0 0 158,006
ISHARES TR INTL SEL DIV ETF 464288448   359,707 11,899 SH   SOLE 0 0 0 11,899
ISHARES TR CORE TOTAL USD 46434V613   3,119,721 66,208 SH   SOLE 0 0 0 66,208
ISHARES TR MSCI USA QLT FCT 46432F339   6,434,181 35,885 SH   SOLE 0 0 0 35,885
ISHARES TR CONV BD ETF 46435G102   258,122 3,085 SH   SOLE 0 0 0 3,085
ISHARES TR INVESTMENT GRADE 46435G219   373,433 8,036 SH   SOLE 0 0 0 8,036
ISHARES TR US TREAS BD ETF 46429B267   378,999 16,162 SH   SOLE 0 0 0 16,162
ISHARES TR JPMORGAN USD EMG 464288281   202,507 2,164 SH   SOLE 0 0 0 2,164
ISHARES TR MODERT ALLOC ETF 464289875   204,439 4,532 SH   SOLE 0 0 0 4,532
ISHARES TR U.S. UTILITS ETF 464287697   1,985,921 19,466 SH   SOLE 0 0 0 19,466
ISHARES TR CORE S&P MCP ETF 464287507   367,314 5,894 SH   SOLE 0 0 0 5,894
ISHARES TR CORE S&P SCP ETF 464287804   200,604 1,715 SH   SOLE 0 0 0 1,715
ISHARES TR CORE S&P500 ETF 464287200   5,046,021 8,748 SH   SOLE 0 0 0 8,748
ISHARES TR S&P 500 GRWT ETF 464287309   367,201 3,835 SH   SOLE 0 0 0 3,835
ISHARES TR RUSSELL 2000 ETF 464287655   346,135 1,567 SH   SOLE 0 0 0 1,567
ISHARES TR CORE S&P US GWT 464287671   9,283,826 70,380 SH   SOLE 0 0 0 70,380
ISHARES TR 20 YR TR BD ETF 464287432   27,685,390 282,216 SH   SOLE 0 0 0 282,216
ISHARES TR TIPS BD ETF 464287176   1,145,242 10,367 SH   SOLE 0 0 0 10,367
ISHARES TR S&P 100 ETF 464287101   308,311 1,114 SH   SOLE 0 0 0 1,114
ISHARES TR ESG MSCI LEADR 46435U218   291,565 2,872 SH   SOLE 0 0 0 2,872
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   286,362 4,812 SH   SOLE 0 0 0 4,812
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   3,560,781 70,177 SH   SOLE 0 0 0 70,177
JOHNSON & JOHNSON COM 478160104   319,258 1,970 SH   SOLE 0 0 0 1,970
JPMORGAN CHASE & CO. COM 46625H100   2,410,249 11,431 SH   SOLE 0 0 0 11,431
KLA CORP COM NEW 482480100   936,262 1,209 SH   SOLE 0 0 0 1,209
KRAFT HEINZ CO COM 500754106   288,473 8,216 SH   SOLE 0 0 0 8,216
KROGER CO COM 501044101   561,540 9,800 SH   SOLE 0 0 0 9,800
LAM RESEARCH CORP COM 512807108   469,246 575 SH   SOLE 0 0 0 575
LINCOLN NATL CORP IND COM 534187109   332,772 10,561 SH   SOLE 0 0 0 10,561
LINDE PLC SHS G54950103   275,148 577 SH   SOLE 0 0 0 577
LOWES COS INC COM 548661107   245,119 905 SH   SOLE 0 0 0 905
MASTERCARD INCORPORATED CL A 57636Q104   667,124 1,351 SH   SOLE 0 0 0 1,351
MCDONALDS CORP COM 580135101   818,827 2,689 SH   SOLE 0 0 0 2,689
MERCK & CO INC COM 58933Y105   562,236 4,951 SH   SOLE 0 0 0 4,951
MERITAGE HOMES CORP COM 59001A102   999,511 4,874 SH   SOLE 0 0 0 4,874
META PLATFORMS INC CL A 30303M102   1,530,705 2,674 SH   SOLE 0 0 0 2,674
MICROSOFT CORP COM 594918104   3,213,050 7,467 SH   SOLE 0 0 0 7,467
NEW JERSEY RES CORP COM 646025106   228,920 4,850 SH   SOLE 0 0 0 4,850
NVIDIA CORPORATION COM 67066G104   5,886,561 48,473 SH   SOLE 0 0 0 48,473
ONEOK INC NEW COM 682680103   382,997 4,203 SH   SOLE 0 0 0 4,203
OWENS CORNING NEW COM 690742101   866,890 4,911 SH   SOLE 0 0 0 4,911
PEPSICO INC COM 713448108   220,385 1,296 SH   SOLE 0 0 0 1,296
PFIZER INC COM 717081103   270,300 9,340 SH   SOLE 0 0 0 9,340
PGIM ETF TR PGIM ULTRA SH BD 69344A107   1,993,888 40,054 SH   SOLE 0 0 0 40,054
PIPER SANDLER COMPANIES COM 724078100   253,442 893 SH   SOLE 0 0 0 893
PROCTER AND GAMBLE CO COM 742718109   783,210 4,522 SH   SOLE 0 0 0 4,522
PROSHARES TR S&P 500 DV ARIST 74348A467   230,815 2,162 SH   SOLE 0 0 0 2,162
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   231,768 2,598 SH   SOLE 0 0 0 2,598
QUALCOMM INC COM 747525103   290,956 1,711 SH   SOLE 0 0 0 1,711
REPUBLIC SVCS INC COM 760759100   557,199 2,774 SH   SOLE 0 0 0 2,774
SCHWAB CHARLES CORP COM 808513105   217,567 3,357 SH   SOLE 0 0 0 3,357
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   200,497 2,794 SH   SOLE 0 0 0 2,794
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   217,382 2,572 SH   SOLE 0 0 0 2,572
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   270,693 6,583 SH   SOLE 0 0 0 6,583
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   301,525 4,444 SH   SOLE 0 0 0 4,444
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   1,519,720 15,768 SH   SOLE 0 0 0 15,768
SELECT SECTOR SPDR TR ENERGY 81369Y506   4,013,865 45,716 SH   SOLE 0 0 0 45,716
SILA REALTY TRUST INC COMMON STOCK 146280508   569,278 22,510 SH   SOLE 0 0 0 22,510
SIMPLIFY EXCHANGE TRADED FUN MBS ETF 82889N525   758,300 14,730 SH   SOLE 0 0 0 14,730
SOUTHERN CO COM 842587107   598,575 6,638 SH   SOLE 0 0 0 6,638
SPDR GOLD TR GOLD SHS 78463V107   1,102,763 4,537 SH   SOLE 0 0 0 4,537
SPDR S&P 500 ETF TR TR UNIT 78462F103   13,429,427 23,406 SH   SOLE 0 0 0 23,406
SPDR SER TR S&P METALS MNG 78464A755   3,328,096 52,230 SH   SOLE 0 0 0 52,230
SPDR SER TR S&P KENSHO CLEAN 78468R655   220,725 3,355 SH   SOLE 0 0 0 3,355
SPROTT PHYSICAL GOLD & SILVE TR UNIT 85208R101   1,180,908 48,220 SH   SOLE 0 0 0 48,220
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   1,749,725 10,075 SH   SOLE 0 0 0 10,075
TARGET CORP COM 87612E106   247,194 1,586 SH   SOLE 0 0 0 1,586
TAYLOR MORRISON HOME CORP COM 87724P106   991,088 14,106 SH   SOLE 0 0 0 14,106
TESLA INC COM 88160R101   302,183 1,155 SH   SOLE 0 0 0 1,155
THERMO FISHER SCIENTIFIC INC COM 883556102   204,128 330 SH   SOLE 0 0 0 330
TOTALENERGIES SE SPONSORED ADS 89151E109   510,658 7,902 SH   SOLE 0 0 0 7,902
UNION PAC CORP COM 907818108   221,093 897 SH   SOLE 0 0 0 897
UNITED RENTALS INC COM 911363109   476,121 588 SH   SOLE 0 0 0 588
UNUM GROUP COM 91529Y106   791,824 13,321 SH   SOLE 0 0 0 13,321
US BANCORP DEL COM NEW 902973304   4,165,051 91,079 SH   SOLE 0 0 0 91,079
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,872,004 10,143 SH   SOLE 0 0 0 10,143
VANGUARD INDEX FDS VALUE ETF 922908744   1,657,312 9,494 SH   SOLE 0 0 0 9,494
VANGUARD INDEX FDS MID CAP ETF 922908629   1,579,985 5,989 SH   SOLE 0 0 0 5,989
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,383,583 34,732 SH   SOLE 0 0 0 34,732
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,281,356 5,402 SH   SOLE 0 0 0 5,402
VANGUARD INDEX FDS GROWTH ETF 922908736   781,681 2,036 SH   SOLE 0 0 0 2,036
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   231,359 3,254 SH   SOLE 0 0 0 3,254
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   345,095 2,883 SH   SOLE 0 0 0 2,883
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   861,242 17,999 SH   SOLE 0 0 0 17,999
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,828,699 9,233 SH   SOLE 0 0 0 9,233
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,009,517 75,923 SH   SOLE 0 0 0 75,923
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   216,145 1,686 SH   SOLE 0 0 0 1,686
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   462,864 5,243 SH   SOLE 0 0 0 5,243
VANGUARD WORLD FD ENERGY ETF 92204A306   438,810 3,583 SH   SOLE 0 0 0 3,583
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   363,756 1,289 SH   SOLE 0 0 0 1,289
VANGUARD WORLD FD INF TECH ETF 92204A702   1,632,872 2,784 SH   SOLE 0 0 0 2,784
VANGUARD WORLD FD FINANCIALS ETF 92204A405   262,007 2,384 SH   SOLE 0 0 0 2,384
VANGUARD WORLD FD UTILITIES ETF 92204A876   1,344,536 7,725 SH   SOLE 0 0 0 7,725
VERIZON COMMUNICATIONS INC COM 92343V104   462,421 10,297 SH   SOLE 0 0 0 10,297
WALMART INC COM 931142103   617,738 7,650 SH   SOLE 0 0 0 7,650
WELLS FARGO CO NEW PERP PFD CNV A 949746804   843,688 658 SH   SOLE 0 0 0 658