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
AT&T COM 00206R102   24,978 1,663 SH   SOLE   0 0 1,663
ARK ETF TR INNOVATION ETF 00214Q104   2,737 69 SH   SOLE   0 0 69
ADOBE INC COM 00724F101   32,634 64 SH   SOLE   0 0 64
ADVANCED MICRO DEVICES INC COM 007903107   41,642 405 SH   SOLE   0 0 405
AIRBNB INC COM CL A 009066101   960 7 SH   SOLE   0 0 7
AIR PRODS & CHEMS INC COM 009158106   4,550 16 SH   SOLE   0 0 16
ALBEMARLE CORP COM 012653101   16,031 94 SH   SOLE   0 0 94
ALPHABET INC CAP STK CL C 02079K107   32,303 245 SH   SOLE   0 0 245
ALPHABET INC CAP STK CL A 02079K305   231,884 1,772 SH   SOLE   0 0 1,772
AMAZON COM INC COM 023135106   387,716 3,050 SH   SOLE   0 0 3,050
AMERICAN TOWER CORP NEW COM 03027X100   3,965 24 SH   SOLE   0 0 24
APPLE INC COM 037833100   2,441,532 14,260 SH   SOLE   0 0 14,260
APPLIED MATLS INC COM 038222105   76,840 555 SH   SOLE   0 0 555
ASTRAZENECA PLC SPONSORED Adr 046353108   18,962 280 SH   SOLE   0 0 280
BANK AMER CORP COM 060505104   488,967 17,858 SH   SOLE   0 0 17,858
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778   167,996 5,227 SH   SOLE   0 0 5,227
BERSHIRE HATHAWAY INC DEL CL B NEW 084670702   282,692 807 SH   SOLE   0 0 807
BEST BUY INC COM 086516101   62,523 900 SH   SOLE   0 0 900
BLACKROCK INC COM 09247X101   5,856 9 SH   SOLE   0 0 9
BRISTOL-MYERS SQUIBB CO COM 110122108   29,020 500 SH   SOLE   0 0 500
BROADCOM INC COM 11135F101   5,002 6 SH   SOLE   0 0 6
CVS HEALTH GROUP COM 126650100   171,216 2,452 SH   SOLE   0 0 2,452
CADENCE DESIGN SYSTEM INC COM 127387108   58,575 250 SH   SOLE   0 0 250
CANNAE HLDGS INC COM 13765N107   19 1 SH   SOLE   0 0 1
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   47,741 2,196 SH   SOLE   0 0 2,196
CARNIVAL CORP COMMON STOCK 143658300   137 10 SH   SOLE   0 0 10
CHEVRON CORP NEW COM 166764100   13,119 77 SH   SOLE   0 0 77
COCA COLA CO COM 191216100   51,956 928 SH   SOLE   0 0 928
COINBASE GLOBAL INC COM CL A 19260Q107   75 1 SH   SOLE   0 0 1
COLLABORATIVE INVESTMENT SER RAREVIEW INFLATN 19423L532   16 1 SH   SOLE   0 0 1
COMCAST CORP NEW CL A 20030N101   2,749 62 SH   SOLE   0 0 62
CONAGRA BANDS INC COM 205887102   3,068 111 SH   SOLE   0 0 111
CORTEVA INC COM 22052L104   0 0 SH   SOLE   0 0 0
DXC TECHNOLOGY CO COM 23355L106   305 14 SH   SOLE   0 0 14
DELTA AIR LINES INC DEL COM NEW 247361702   704 19 SH   SOLE   0 0 19
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   189,668 7,264 SH   SOLE   0 0 7,264
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   98,594 2,157 SH   SOLE   0 0 2,157
DISNEY WALT CO COM DISNEY 254687106   4,458 55 SH   SOLE   0 0 55
DOLLAR GEN CORP NEW COM 256677105   18,621 176 SH   SOLE   0 0 176
DOLLAR TREE INC COM 256746108   553,540 5,200 SH   SOLE   0 0 5,200
DRAFTKINGS INC COM CL A 26142V105   2,944 100 SH   SOLE   0 0 100
DUPONT DE NEMOURS INC COM 26614N102   0 0 SH   SOLE   0 0 0
ECOLAB INC COM 278865100   2,715 16 SH   SOLE   0 0 16
ESSENTIAL PPTYS RLTY TR INC COM 29670E107   12,878 595 SH   SOLE   0 0 595
EXXON MOBIL CORP COM 30231G102   114,333 972 SH   SOLE   0 0 972
META PLATFORMS INC CL A 30303M102   5,570 18 SH   SOLE   0 0 18
FASTLY INC CL A 31188V100   96 5 SH   SOLE   0 0 5
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   1,288,750 29,585 SH   SOLE   0 0 29,585
FIDELITY NATL INFORMATION SV COM 31620M106   48,492 877 SH   SOLE   0 0 877
FIDELITY NATIONAL FINANCIAL FNF GROUP COM 31620R303   153 3 SH   SOLE   0 0 3
FIRST TR EXCHANGE TRADED FD INTL EQUITY OPP 33734X853   70,117 1,825 SH   SOLE   0 0 1,825
FORD MTR CO DEL COM 345370860   7,603 612 SH   SOLE   0 0 612
FORTUNE BRANDS HOME & SEC IN COM 34964C106   12,432 200 SH   SOLE   0 0 200
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   68 1 SH   SOLE   0 0 1
GENERAC HLDGS INC COM 368736104   5,448 50 SH   SOLE   0 0 50
GENERAL ELECTRIC CO COM NEW 369604301   33,497 303 SH   SOLE   0 0 303
GENERAL MLS INC COM 370334104   1,157 18 SH   SOLE   0 0 18
GENERAL MTRS CO COM 37045V100   43,356 1,315 SH   SOLE   0 0 1,315
GRAPHIC PACKAGING HLDG CO COM 388689101   5,320,515 238,802 SH   SOLE   0 0 238,802
GROWGENERATION CORP COM 39986L109   292 100 SH   SOLE   0 0 100
HP INC COM 40434L105   5,734 223 SH   SOLE   0 0 223
HEWLETT PACKARD ENTERPRISE C COM 42824C109   3,629 208 SH   SOLE   0 0 208
HOME DEPOT INC COM 437076102   48,346 160 SH   SOLE   0 0 160
HONEYWELL INTL INC COM 438516106   11,178 60 SH   SOLE   0 0 60
IDEXX LABS INC COM 45168D104   10,932 25 SH   SOLE   0 0 25
ILLINOIS TOOL WKS INC COM 452308109   2,547 11 SH   SOLE   0 0 11
INTEL CORP COM 458140100   3,555 100 SH   SOLE   0 0 100
INTERNATIONAL BUSINESS MACHS COM 459200101   1,403 10 SH   SOLE   0 0 10
INVESCO QQQ TR UNIT SER 1 46090E103   156,564 437 SH   SOLE   0 0 437
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   252,578 5,047 SH   SOLE   0 0 5,047
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   31,156 219 SH   SOLE   0 0 219
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354   90,537 1,540 SH   SOLE   0 0 1,540
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784   73 4 SH   SOLE   0 0 4
INVESCO EXCHNG TRADED FD TR SOLAR ETF 46138G706   10,203 197 SH   SOLE   0 0 197
INVESCO EXCHANGE TRADED FD T TREAS COLATERL 46138G888   62,666 593 SH   SOLE   0 0 593
ISHARES GOLD TR ISHARES NEW 464285204   72,429 2,070 SH   SOLE   0 0 2,070
ISHARES MSCI FRNTR100ETF 464286145   269 10 SH   SOLE   0 0 10
ISHARES MIN VOL EMRG MKT 464286533   209,222 3,921 SH   SOLE   0 0 3,921
ISHARES TR TIPS BD ETF 464287176   539,324 5,199 SH   SOLE   0 0 5,199
ISHARES TR CORE S&P500 ETF 464287200   5,109,924 11,899 SH   SOLE   0 0 11,899
ISHARES TR CORE US AGGBD ET 464287226   340,519 3,621 SH   SOLE   0 0 3,621
ISHARES TR S&P 500 GRWT ETF 464287309   969,123 14,164 SH   SOLE   0 0 14,164
ISHARES TR GLOBAL ENERG ETF 464287341   0 0 SH   SOLE   0 0 0
ISHARES TR S&P 500 VAL ETF 464287408   1,147,426 7,458 SH   SOLE   0 0 7,458
ISHARES TR 20 YR TR BD ETF 464287432   40,797 460 SH   SOLE   0 0 460
ISHARES TR RUS MD CAP GR ETF 464287499   12,888 186 SH   SOLE   0 0 186
ISHARES TR CORE S&P MCP ETF 464287507   4,867,536 19,520 SH   SOLE   0 0 19,520
ISHARES TR ISHARES SEMICDTR 464287523   57,312 121 SH   SOLE   0 0 121
ISHARES TR RUS 1000 GRW ETF 464287614   68,359 257 SH   SOLE   0 0 257
ISHARES TR RUS 2000 VAL ETF 464287630   322,202 2,377 SH   SOLE   0 0 2,377
ISHARES TR RUS 2000 GRW ETF 464287648   356,913 1,592 SH   SOLE   0 0 1,592
ISHARES TR RUSSELL 2000 ETF 464287655   83,099 470 SH   SOLE   0 0 470
ISHARES TR U.S REAL ES ETF 464287739   181,458 2,322 SH   SOLE   0 0 2,322
ISHARES TR CORE S&P SCP ETF 464287804   2,021,620 21,431 SH   SOLE   0 0 21,431
ISHARES TR CORE SMC600VL ETF 464287879   289,787 3,248 SH   SOLE   0 0 3,248
ISHARES TR SP SMCP600GR ETF 464287887   291,529 2,658 SH   SOLE   0 0 2,658
ISHARES TR INTL TREA BD ETF 464288117   75,455 2,030 SH   SOLE   0 0 2,030
ISHARES TR MSCI ACWI EX US 464288240   4,249 90 SH   SOLE   0 0 90
ISHARES TR MSCI ACWI ETF 464288257   3,253 35 SH   SOLE   0 0 35
ISHARES TR EAFE SML CP ETF 464288273   143,497 2,541 SH   SOLE   0 0 2,541
ISHARES TR JP MOR EM MK ETF 464288281   109,418 1,325 SH   SOLE   0 0 1,325
ISHARES TR MRGSTR MD CP VAL 464288406   119,325 1,969 SH   SOLE   0 0 1,969
ISHARES TR IBOXX HI YD ETF 464288513   801,351 10,870 SH   SOLE   0 0 10,870
ISHARES TR ISHARES 46428Q109   35,595 1,750 SH   SOLE   0 0 1,750
ISHARES TR CORE HIGH DV ETF 46429B663   65,668 664 SH   SOLE   0 0 664
ISHARES TR MIN VOL EAFE ETF 46429B689   14,153 217 SH   SOLE   0 0 217
ISHARES TR MSCI USA MIN VOL 46429B697   25,736 355 SH   SOLE   0 0 355
ISHARES TR 0-5 YR TIPS ETF 46429B747   709,237 7,317 SH   SOLE   0 0 7,317
ISHARES US ETF TR SHT MAT BD ETF 46431W507   90,225 1,808 SH   SOLE   0 0 1,808
ISHARES TR USA QUALITY FCTR 46432F339   247,858 1,880 SH   SOLE   0 0 1,880
ISHARES TR USA MOMENTUM FCT 46432F396   12,154 87 SH   SOLE   0 0 87
ISHARES TR CORE MSCI TOTAL 46432F834   199,065 3,318 SH   SOLE   0 0 3,318
ISHARES TR CORES MSCI EAFE 46432F842   2,757,412 42,850 SH   SOLE   0 0 42,850
ISHARES TR CORE ST USDB ETF 46432F859   103,414 2,229 SH   SOLE   0 0 2,229
ISHARES INC CORE MSCI EMKT 46434G103   1,830,169 37,130 SH   SOLE   0 0 37,130
ISHARES TR MULTIFACTOR USA 46434V282   171,461 3,958 SH   SOLE   0 0 3,958
ISHARES TR MSCI INTL MOMENT 46434V449   13,655 433 SH   SOLE   0 0 433
ISHARES TR CORE DIV GRWTH 46434V621   229,013 4,623 SH   SOLE   0 0 4,623
JPMORGAN CHASE & CO COM 46625H100   20,535 141 SH   SOLE   0 0 141
JOHN HANCOCK EXCHAGE TRADED MULTIFACTOR MI 47804J206   68,253 1,442 SH   SOLE   0 0 1,442
JOHNSON & JOHNSON COM 478160104   293,943 1,887 SH   SOLE   0 0 1,877
KEARNY FINL CORP MD COM 48716P108   208 30 SH   SOLE   0 0 30
KENVUE INC COM 49177J102   972 48 SH   SOLE   0 0 48
KROGER CO COM 501044101   943 21 SH   SOLE   0 0 21
L3HARRIS TECHNOLOGIES INC COM 502431109   1,234 7 SH   SOLE   0 0 7
LAMB RESEARCH CORP COM 512807108   629 1 SH   SOLE   0 0 1
LAMB WESTON HLDGS INC COM 513272104   2,988 32 SH   SOLE   0 0 32
LEVI STRAUSS & CO NEW CL A COM STK 52736R102   4,074 300 SH   SOLE   0 0 300
LILLY ELI & CO COM 532457108   1,466,924 2,731 SH   SOLE   0 0 2,731
LOCKHEED MARTIN CORP COM 539830109   19,815 48 SH   SOLE   0 0 48
LOWES COS INC COM 548661107   207,840 1,000 SH   SOLE   0 0 1,000
MPLX LP COM UNIT REP LTD 55336V100   24,899 700 SH   SOLE   0 0 700
MARVELL TECHNOLOGY COM UNIT REP LTD 573874104   411 74 SH   SOLE   0 0 74
MICROSOFT CORP COM 594918104   1,140,025 3,610 SH   SOLE   0 0 3,610
MULLEN AUTOMOTIVE INC COM 62526P307   20 44 SH   SOLE   0 0 44
NETFLIX INC COM 64110L106   31,432 83 SH   SOLE   0 0 83
NEXTERA ENERGY INC COM 65339F101   5,422 94 SH   SOLE   0 0 94
NVIDIA CORP COM 67066G104   435,064 1,000 SH   SOLE   0 0 1,000
OCCIDENTAL PETE CORP COM 674599105   1,040 16 SH   SOLE   0 0 16
OLD DOMINION FREIGHT LINE IN COM 979580100   1,640 4 SH   SOLE   0 0 4
ON SEMICONDUCTOR CORP COM 682189105   1,673 18 SH   SOLE   0 0 18
ORACLE CORP COM 68389X105   31,140 294 SH   SOLE   0 0 294
PALO ALTO NETWORKS INC COM 697435105   938 4 SH   SOLE   0 0 4
PAYCHEX INC COM 704326107   22,724 197 SH   SOLE   0 0 197
PAYCOM SOFTWARE INC COM 70432V102   25,453 98 SH   SOLE   0 0 98
PELOTON INTERACTIVE INC CL A COM 70614W100   51 10 SH   SOLE   0 0 10
PEPSICO INC COM 713448108   17,961 106 SH   SOLE   0 0 106
PFIZER INC COM 717081103   79,309 2,391 SH   SOLE   0 0 2,391
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   244,849 2,612 SH   SOLE   0 0 2,612
PIMCO EFT TR 0-5 HIGH YIELD 72201R783   10,204 113 SH   SOLE   0 0 113
PROCTOR AND GAMBLE CO COM 742718109   176,017 1,206 SH   SOLE   0 0 1,206
PROLOGIS INC COM 74340W103   9,434 84 SH   SOLE   0 0 84
PROSHARES TR ULTRAPRO QQQ 74347X831   3,512 98 SH   SOLE   0 0 98
RTX CORPORATION COM 75513E101   8,879 123 SH   SOLE   0 0 123
RIVIAN AUTOMOTIVE INC COM CL A 76954A103   291 12 SH   SOLE   0 0 12
ROYAL BK CDA SUSTAINABL COM 780087102   5,858 67 SH   SOLE   0 0 67
RYDER SYS INC COM 783549108   228,445 2,136 SH   SOLE   0 0 2,136
SPDR S&P 500 ETF TR TR UNIT 78462F103   144,061 337 SH   SOLE   0 0 337
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   15,514 370 SH   SOLE   0 0 370
SPDR SER TR PRTFLO S&P500 HI 78468R788   84,273 2,403 SH   SOLE   0 0 2,403
SCHWAB CHARLES CORP COM 808513105   9,882 180 SH   SOLE   0 0 180
SCWAB STRATEGIC TR US LRG CAP ETF 808524201   2,189,260 43,266 SH   SOLE   0 0 43,266
SCWAB STRATEGIC TR US LCAP GR ETF 808524300   539,873 7,424 SH   SOLE   0 0 7,424
SCWAB STRATEGIC TR US LCAP GR ETF 808524409   458,440 7,112 SH   SOLE   0 0 7,112
SCWAB STRATEGIC TR US MID-CAP ETF 808524508   927,893 13,710 SH   SOLE   0 0 13,710
SCWAB STRATEGIC TR US SML CAP ETF 808524607   547,365 13,215 SH   SOLE   0 0 13,215
SCWAB STRATEGIC TR EMRD MKTEQ ETF 808524706   131,311 5,485 SH   SOLE   0 0 5,485
SCWAB STRATEGIC TR US DIVIDEND EQ 808524797   123,830 1,750 SH   SOLE   0 0 1,750
SCWAB STRATEGIC TR INTL EQTY ETF 808524805   545,635 16,067 SH   SOLE   0 0 16,067
SCWAB STRATEGIC TR US REIT ETF 808524847   155,898 8,783 SH   SOLE   0 0 8,783
SCWAB STRATEGIC TR SHT TM US TRES 808524862   1,315,527 27,469 SH   SOLE   0 0 27,469
SCWAB STRATEGIC TR US TIPS ETF 808524870   576,405 11,416 SH   SOLE   0 0 11,416
SCWAB STRATEGIC TR INTL SCEQT ETF 808524888   57,760 1,791 SH   SOLE   0 0 1,791
SNAP INC CL A 83304A106   9 1 SH   SOLE   0 0 1
SOUTHERN CO COM 842587107   135,696 2,096 SH   SOLE   0 0 2,096
STARBUCKS CORP COM 855244109   5,505 60 SH   SOLE   0 0 60
SYNOPSYS INC COM 871607107   57,371 125 SH   SOLE   0 0 125
T-MOBILE US INC COM 872590104   3,221 23 SH   SOLE   0 0 23
TAKE- TWO INTERACTIVE SOFTWAR COM 874054109   421 3 SH   SOLE   0 0 3
TESLA INC COM 88160R101   56,049 224 SH   SOLE   0 0 224
TORONTO DOMINION BK ONT COM NEW 891160509   603 10 SH   SOLE   0 0 10
TRUIST FINL CORP COM 89832Q109   76,589 2,677 SH   SOLE   0 0 2,677
23ANDME HOLDING CO CLASS A COM 90138Q108   73 75 SH   SOLE   0 0 75
UBER TECHNOLOGIES INC COM 90353T100   1,886 41 SH   SOLE   0 0 41
UNITED STS OIL FD LP UNITS 91232N207   83,609 1,034 SH   SOLE   0 0 1,034
UNITEDHEALTH GROUP INC COM 91324P102   38,674 76 SH   SOLE   0 0 76
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437   2,813,107 103,958 SH   SOLE   0 0 103,958
VANECK ETF TRUST MORNINGSTAR SMID 92189H730   15,776 555 SH   SOLE   0 0 555
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827   142,407 1,894 SH   SOLE   0 0 1,894
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   4,029 39 SH   SOLE   0 0 39
VANGUARD SCOTTSDALE FDS SHRT TMR CORP BD 92206C409   451 6 SH   SOLE   0 0 6
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,499,577 46,253 SH   SOLE   0 0 46,253
VIAD CORP COM NEW 92552R406   1,120 42 SH   SOLE   0 0 42
VIATRIS INC COM 92556V106   2,455 248 SH   SOLE   0 0 248
VISA INC COM CL A 92826C839   36,357 158 SH   SOLE   0 0 158
WABTEC COM 929740108   1,275 12 SH   SOLE   0 0 12
WALMART INC COM 931142103   98,279 614 SH   SOLE   0 0 614
WALGREENS BOOT ALLIANCE INC COM 931427108   17,792 800 SH   SOLE   0 0 800
WARNER BROS DISCOVERY INC COM SER A 934423104   4,355 401 SH   SOLE   0 0 401
WASTE MGMT INC DEL COM 94106L109   915 6 SH   SOLE   0 0 6
WELLS FARGO CO NEW COM 949746101   111,711 2,734 SH   SOLE   0 0 2,734
WESTLAKE CHEM PARTNERS LP COM UNIT RP LP 960417103   8,700 400 SH   SOLE   0 0 400
INVESCO LTD SHS G491BT108   14,520 1,000 SH   SOLE   0 0 1,200
MEDTRONIC PLC SHS G5960L103   47,016 600 SH   SOLE   0 0 600
CNH INDL N V SHS N20944109   2,021 167 SH   SOLE   0 0 167