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 CO COM 88579Y101   305,242 2,987 SH   SOLE   2,987 0 0
ABBOTT LABS COM 002824100   234,394 2,256 SH   SOLE   2,256 0 0
ABBVIE INC COM 00287Y109   1,216,763 7,094 SH   SOLE   7,094 0 0
ADOBE INC COM 00724F101   414,433 746 SH   SOLE   746 0 0
ADVANCED MICRO DEVICES INC COM 007903107   258,382 1,593 SH   SOLE   1,593 0 0
ALPHABET INC CAP STK CL C 02079K107   561,265 3,060 SH   SOLE   3,060 0 0
ALPHABET INC CAP STK CL A 02079K305   917,905 5,039 SH   SOLE   5,039 0 0
AMAZON COM INC COM 023135106   817,254 4,229 SH   SOLE   4,229 0 0
AMERICAN CENTY ETF TR QUALITY PREFER 025072539   3,302,766 90,586 SH   SOLE   90,586 0 0
AMGEN INC COM 031162100   595,530 1,906 SH   SOLE   1,906 0 0
APPLE INC COM 037833100   22,750,694 108,018 SH   SOLE   108,018 0 0
ARROW ELECTRS INC COM 042735100   225,821 1,870 SH   SOLE   1,870 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   277,160 271 SH   SOLE   271 0 0
AT&T INC COM 00206R102   233,467 12,217 SH   SOLE   12,217 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   474,516 1,988 SH   SOLE   1,988 0 0
AVNET INC COM 053807103   252,507 4,904 SH   SOLE   4,904 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   614,675 1,511 SH   SOLE   1,511 0 0
BROADCOM INC COM 11135F101   1,308,507 815 SH   SOLE   815 0 0
CACI INTL INC CL A 127190304   212,914 495 SH   SOLE   495 0 0
CATERPILLAR INC COM 149123101   700,842 2,104 SH   SOLE   2,104 0 0
CHEVRON CORP NEW COM 166764100   754,101 4,821 SH   SOLE   4,821 0 0
CISCO SYS INC COM 17275R102   805,639 16,957 SH   SOLE   16,957 0 0
CITIGROUP INC COM NEW 172967424   306,829 4,835 SH   SOLE   4,835 0 0
COCA COLA CO COM 191216100   397,278 6,242 SH   SOLE   6,242 0 0
COLGATE PALMOLIVE CO COM 194162103   360,504 3,715 SH   SOLE   3,715 0 0
COMCAST CORP NEW CL A 20030N101   436,791 11,154 SH   SOLE   11,154 0 0
COMMERCIAL METALS CO COM 201723103   239,207 4,350 SH   SOLE   4,350 0 0
COSTCO WHSL CORP NEW COM 22160K105   1,249,485 1,470 SH   SOLE   1,470 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105   246,391 643 SH   SOLE   643 0 0
DICKS SPORTING GOODS INC COM 253393102   372,550 1,734 SH   SOLE   1,734 0 0
DIREXION SHS ETF TR NAS100 EQL WGT 25459Y207   371,288 4,184 SH   SOLE   4,184 0 0
DISNEY WALT CO COM 254687106   733,654 7,389 SH   SOLE   7,389 0 0
ELI LILLY & CO COM 532457108   949,744 1,049 SH   SOLE   1,049 0 0
EMCOR GROUP INC COM 29084Q100   238,397 653 SH   SOLE   653 0 0
EMERSON ELEC CO COM 291011104   294,568 2,674 SH   SOLE   2,674 0 0
EXXON MOBIL CORP COM 30231G102   926,601 8,049 SH   SOLE   8,049 0 0
GENWORTH FINL INC COM SHS 37247D106   148,856 24,645 SH   SOLE   24,645 0 0
GILEAD SCIENCES INC COM 375558103   354,782 5,171 SH   SOLE   5,171 0 0
GLOBAL X FDS RATE PREFERRED 37954Y376   493,762 20,880 SH   SOLE   20,880 0 0
GROUP 1 AUTOMOTIVE INC COM 398905109   379,032 1,275 SH   SOLE   1,275 0 0
HOME DEPOT INC COM 437076102   1,462,332 4,248 SH   SOLE   4,248 0 0
INDEXIQ ACTIVE ETF TR IQ MACKAY INSRED 45409F843   1,928,015 80,267 SH   SOLE   80,267 0 0
INSIGHT ENTERPRISES INC COM 45765U103   228,114 1,150 SH   SOLE   1,150 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   347,457 2,009 SH   SOLE   2,009 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 MUNI 46138J536   857,779 34,560 SH   SOLE   34,560 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494   814,615 34,694 SH   SOLE   34,694 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528   844,879 34,783 SH   SOLE   34,783 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   792,077 33,712 SH   SOLE   33,712 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2028 MUNI 46138J486   264,381 11,381 SH   SOLE   11,381 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   506,311 3,082 SH   SOLE   3,082 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   714,788 18,835 SH   SOLE   18,835 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   6,557,323 13,686 SH   SOLE   13,686 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   21,068,196 103,840 SH   SOLE   103,840 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   7,258,791 62,863 SH   SOLE   62,863 0 0
ISHARES TR NATIONAL MUN ETF 464288414   2,892,589 27,148 SH   SOLE   27,148 0 0
ISHARES TR CORE S&P500 ETF 464287200   2,684,744 4,906 SH   SOLE   4,906 0 0
ISHARES TR SHORT TREAS BD 464288679   10,052,112 90,970 SH   SOLE   90,970 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   37,439,429 214,589 SH   SOLE   214,589 0 0
ISHARES TR MSCI EAFE ETF 464287465   34,457,446 439,901 SH   SOLE   439,901 0 0
ISHARES TR CORE S&P SCP ETF 464287804   460,352 4,316 SH   SOLE   4,316 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   720,949 4,222 SH   SOLE   4,222 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   413,342 2,714 SH   SOLE   2,714 0 0
ISHARES TR SELECT DIVID ETF 464287168   955,732 7,900 SH   SOLE   7,900 0 0
ISHARES TR S&P 100 ETF 464287101   578,288 2,188 SH   SOLE   2,188 0 0
ISHARES TR CORE S&P MCP ETF 464287507   446,156 7,624 SH   SOLE   7,624 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   265,883 3,375 SH   SOLE   3,375 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   296,128 3,200 SH   SOLE   3,200 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   45,021,991 123,514 SH   SOLE   123,514 0 0
JABIL INC COM 466313103   279,699 2,571 SH   SOLE   2,571 0 0
JOHNSON & JOHNSON COM 478160104   904,584 6,189 SH   SOLE   6,189 0 0
JPMORGAN CHASE & CO. COM 46625H100   2,006,419 9,920 SH   SOLE   9,920 0 0
LAZARD INC COM 52110M109   1,861,733 48,762 SH   SOLE   48,762 0 0
LOCKHEED MARTIN CORP COM 539830109   629,651 1,348 SH   SOLE   1,348 0 0
LOWES COS INC COM 548661107   389,563 1,767 SH   SOLE   1,767 0 0
MASTERCARD INCORPORATED CL A 57636Q104   423,955 961 SH   SOLE   961 0 0
MCDONALDS CORP COM 580135101   506,367 1,987 SH   SOLE   1,987 0 0
MERCK & CO INC COM 58933Y105   792,582 6,402 SH   SOLE   6,402 0 0
META PLATFORMS INC CL A 30303M102   474,975 942 SH   SOLE   942 0 0
MICROSOFT CORP COM 594918104   2,882,084 6,448 SH   SOLE   6,448 0 0
MORGAN STANLEY COM NEW 617446448   265,037 2,727 SH   SOLE   2,727 0 0
NEXTERA ENERGY INC COM 65339F101   497,653 7,028 SH   SOLE   7,028 0 0
NOVO-NORDISK A S ADR 670100205   257,075 1,801 SH   SOLE   1,801 0 0
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   217,557 5,757 SH   SOLE   5,757 0 0
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   236,094 2,909 SH   SOLE   2,909 0 0
NVIDIA CORPORATION COM 67066G104   925,137 7,489 SH   SOLE   7,489 0 0
ORACLE CORP COM 68389X105   418,517 2,964 SH   SOLE   2,964 0 0
OWENS CORNING NEW COM 690742101   218,540 1,258 SH   SOLE   1,258 0 0
PEPSICO INC COM 713448108   482,532 2,926 SH   SOLE   2,926 0 0
PFIZER INC COM 717081103   270,567 9,670 SH   SOLE   9,670 0 0
PHILLIPS 66 COM 718546104   220,790 1,564 SH   SOLE   1,564 0 0
PIMCO ETF TR MUNI INCOME OPP 72201R635   3,874,669 85,270 SH   SOLE   85,270 0 0
PRICE T ROWE GROUP INC COM 74144T108   233,849 2,028 SH   SOLE   2,028 0 0
PROCTER AND GAMBLE CO COM 742718109   897,477 5,442 SH   SOLE   5,442 0 0
QUALCOMM INC COM 747525103   543,761 2,730 SH   SOLE   2,730 0 0
REINSURANCE GRP OF AMERICA I COM NEW 759351604   300,515 1,464 SH   SOLE   1,464 0 0
RELIANCE INC COM 759509102   371,851 1,302 SH   SOLE   1,302 0 0
S&P GLOBAL INC COM 78409V104   510,670 1,145 SH   SOLE   1,145 0 0
SANMINA CORPORATION COM 801056102   214,319 3,235 SH   SOLE   3,235 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   707,199 18,407 SH   SOLE   18,407 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,275,263 16,385 SH   SOLE   16,385 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   6,572,580 102,297 SH   SOLE   102,297 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,770,170 22,765 SH   SOLE   22,765 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   502,703 7,996 SH   SOLE   7,996 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,358,210 28,624 SH   SOLE   28,624 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   400,880 1,772 SH   SOLE   1,772 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   2,379,692 6,084 SH   SOLE   6,084 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   10,619,956 19,514 SH   SOLE   19,514 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   3,124,177 5,839 SH   SOLE   5,839 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739   3,706,592 78,546 SH   SOLE   78,546 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   4,506,661 108,516 SH   SOLE   108,516 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805   506,118 7,628 SH   SOLE   7,628 0 0
SPDR SER TR BBG CONV SEC ETF 78464A359   9,643,560 133,827 SH   SOLE   133,827 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   4,302,555 46,879 SH   SOLE   46,879 0 0
SUNCOKE ENERGY INC COM 86722A103   132,349 13,505 SH   SOLE   13,505 0 0
TAYLOR MORRISON HOME CORP COM 87724P106   218,655 3,944 SH   SOLE   3,944 0 0
TD SYNNEX CORPORATION COM 87162W100   206,681 1,791 SH   SOLE   1,791 0 0
TEXAS INSTRS INC COM 882508104   1,455,198 7,481 SH   SOLE   7,481 0 0
THE CIGNA GROUP COM 125523100   593,704 1,796 SH   SOLE   1,796 0 0
UNITED PARCEL SERVICE INC CL B 911312106   382,222 2,793 SH   SOLE   2,793 0 0
UNITED STATES STL CORP NEW COM 912909108   330,410 8,741 SH   SOLE   8,741 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,833,845 3,601 SH   SOLE   3,601 0 0
UNUM GROUP COM 91529Y106   268,736 5,258 SH   SOLE   5,258 0 0
US BANCORP DEL COM NEW 902973304   367,304 9,252 SH   SOLE   9,252 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   311,340 4,321 SH   SOLE   4,321 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,082,049 14,135 SH   SOLE   14,135 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,743,339 7,594 SH   SOLE   7,594 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,416,931 2,833 SH   SOLE   2,833 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   684,669 4,551 SH   SOLE   4,551 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   298,875 3,568 SH   SOLE   3,568 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   628,057 2,594 SH   SOLE   2,594 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,967,918 7,356 SH   SOLE   7,356 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,236,088 12,251 SH   SOLE   12,251 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   256,126 5,853 SH   SOLE   5,853 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   13,478,922 174,428 SH   SOLE   174,428 0 0
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599   455,240 1,900 SH   SOLE   1,900 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   369,047 2,022 SH   SOLE   2,022 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   7,986,175 161,598 SH   SOLE   161,598 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   375,088 9,095 SH   SOLE   9,095 0 0
VISA INC COM CL A 92826C839   1,157,493 4,410 SH   SOLE   4,410 0 0
WALMART INC COM 931142103   423,120 6,249 SH   SOLE   6,249 0 0
WILLIAMS SONOMA INC COM 969904101   242,273 858 SH   SOLE   858 0 0
WINTRUST FINL CORP COM 97650W108   238,712 2,422 SH   SOLE   2,422 0 0