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
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   18,301,900 251,780 SH   SOLE   0 0 251,780
ISHARES TR TIPS BD ETF 464287176   392,007 3,643 SH   SOLE   0 0 3,643
ISHARES TR NATIONAL MUN ETF 464288414   59,249,820 555,137 SH   SOLE   0 0 555,137
ISHARES TR US HOME CONS ETF 464288752   4,633,342 54,229 SH   SOLE   0 0 54,229
KRAFT HEINZ CO COM 500754106   2,328,090 65,580 SH   SOLE   0 0 65,580
INVESCO DB MULTI-SECTOR COMM AGRICULTURE FD 46140H106   1,828,370 86,776 SH   SOLE   0 0 86,776
SCHWAB STRATEGIC TR MUN BD ETF 808524649   221,318 4,270 SH   SOLE   0 0 4,270
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   7,167,719 34,834 SH   SOLE   0 0 34,834
YUM BRANDS INC COM 988498101   208,241 1,503 SH   SOLE   0 0 1,503
VANGUARD WORLD FD MEGA CAP INDEX 921910873   375,272 2,399 SH   SOLE   0 0 2,399
ISHARES TR ISHS 1-5YR INVS 464288646   1,673,391 33,354 SH   SOLE   0 0 33,354
INVESCO QQQ TR UNIT SER 1 46090E103   576,356 1,560 SH   SOLE   0 0 1,560
SHERWIN WILLIAMS CO COM 824348106   207,371 781 SH   SOLE   0 0 781
PROSHARES TR S&P 500 DV ARIST 74348A467   228,346 2,422 SH   SOLE   0 0 2,422
REALTY INCOME CORP COM 756109104   1,290,441 21,583 SH   SOLE   0 0 21,583
ISHARES TR MSCI EAFE ETF 464287465   1,482,822 20,453 SH   SOLE   0 0 20,453
EATON CORP PLC SHS G29183103   4,502,895 22,391 SH   SOLE   0 0 22,391
SPDR GOLD TR GOLD SHS 78463V107   959,627 5,383 SH   SOLE   0 0 5,383
APPLIED MATLS INC COM 038222105   466,974 3,231 SH   SOLE   0 0 3,231
ISHARES TR CORE MSCI INTL 46435G326   456,994 7,477 SH   SOLE   0 0 7,477
ISHARES TR S&P 500 VAL ETF 464287408   205,840 1,277 SH   SOLE   0 0 1,277
SPDR SER TR BLOOMBERG HIGH Y 78468R622   599,067 6,509 SH   SOLE   0 0 6,509
HONEYWELL INTL INC COM 438516106   9,050,603 43,617 SH   SOLE   0 0 43,617
VANECK ETF TRUST FALLEN ANGEL HG 92189F437   5,709,734 205,608 SH   SOLE   0 0 205,608
ISHARES TR AGGRES ALLOC ETF 464289859   255,065 3,845 SH   SOLE   0 0 3,845
INTERCONTINENTAL EXCHANGE IN COM 45866F104   292,877 2,590 SH   SOLE   0 0 2,590
SPDR SER TR BLOOMBERG SHT TE 78468R408   1,864,233 75,475 SH   SOLE   0 0 75,475
HOME DEPOT INC COM 437076102   13,985,550 45,022 SH   SOLE   0 0 45,022
COLGATE PALMOLIVE CO COM 194162103   6,729,356 87,349 SH   SOLE   0 0 87,349
NVIDIA CORPORATION COM 67066G104   984,259 2,327 SH   SOLE   0 0 2,327
DEERE & CO COM 244199105   561,188 1,385 SH   SOLE   0 0 1,385
PAYCHEX INC COM 704326107   207,631 1,856 SH   SOLE   0 0 1,856
ECOLAB INC COM 278865100   441,546 2,365 SH   SOLE   0 0 2,365
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   305,376 2,879 SH   SOLE   0 0 2,879
THERMO FISHER SCIENTIFIC INC COM 883556102   211,310 405 SH   SOLE   0 0 405
CHEVRON CORP NEW COM 166764100   1,483,918 9,431 SH   SOLE   0 0 9,431
ISHARES TR CHINA LG-CAP ETF 464287184   1,171,889 43,100 SH   SOLE   0 0 43,100
OCCIDENTAL PETE CORP COM 674599105   276,772 4,707 SH   SOLE   0 0 4,707
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   897,161 6,483 SH   SOLE   0 0 6,483
QUALCOMM INC COM 747525103   8,985,692 75,485 SH   SOLE   0 0 75,485
CHURCH & DWIGHT CO INC COM 171340102   267,815 2,672 SH   SOLE   0 0 2,672
XCEL ENERGY INC COM 98389B100   311,907 5,017 SH   SOLE   0 0 5,017
CYBIN INC COM 23256X100   5,517 14,601 SH   SOLE   0 0 14,601
MASTERCARD INCORPORATED CL A 57636Q104   1,049,116 2,667 SH   SOLE   0 0 2,667
ISHARES TR U.S. TECH ETF 464287721   637,543 5,856 SH   SOLE   0 0 5,856
HEALTHPEAK PROPERTIES INC COM 42250P103   744,725 37,051 SH   SOLE   0 0 37,051
INTUITIVE SURGICAL INC COM NEW 46120E602   204,138 597 SH   SOLE   0 0 597
AIRBNB INC COM CL A 009066101   623,242 4,863 SH   SOLE   0 0 4,863
MARRIOTT INTL INC NEW CL A 571903202   349,011 1,900 SH   SOLE   0 0 1,900
NUVEEN QUALITY MUNCP INCOME COM 67066V101   166,233 14,750 SH   SOLE   0 0 14,750
INTEL CORP COM 458140100   3,244,363 97,020 SH   SOLE   0 0 97,020
VANGUARD WORLD FD ESG US STK ETF 921910733   798,453 10,191 SH   SOLE   0 0 10,191
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   20,763,193 328,948 SH   SOLE   0 0 328,948
ISHARES INC JP MORGAN EM ETF 464286517   2,850,910 77,010 SH   SOLE   0 0 77,010
HORMEL FOODS CORP COM 440452100   473,157 11,764 SH   SOLE   0 0 11,764
PHILLIPS 66 COM 718546104   284,709 2,985 SH   SOLE   0 0 2,985
LOWES COS INC COM 548661107   2,823,844 12,511 SH   SOLE   0 0 12,511
CONOCOPHILLIPS COM 20825C104   758,425 7,320 SH   SOLE   0 0 7,320
FIDELITY MERRIMACK STR TR CORP BOND ETF 316188101   642,229 14,047 SH   SOLE   0 0 14,047
ISHARES TR BLACKROCK ULTRA 46434V878   221,831 4,410 SH   SOLE   0 0 4,410
ROYAL BK CDA COM 780087102   313,559 3,283 SH   SOLE   0 0 3,283
ISHARES TR ESG AWRE USD ETF 46435G193   509,012 22,384 SH   SOLE   0 0 22,384
EBAY INC. COM 278642103   718,883 16,086 SH   SOLE   0 0 16,086
UNITEDHEALTH GROUP INC COM 91324P102   7,067,975 14,705 SH   SOLE   0 0 14,705
VANGUARD INDEX FDS TOTAL STK MKT 922908769   5,712,185 25,931 SH   SOLE   0 0 25,931
ILLINOIS TOOL WKS INC COM 452308109   565,962 2,262 SH   SOLE   0 0 2,262
TERADYNE INC COM 880770102   2,621,822 23,550 SH   SOLE   0 0 23,550
RAYTHEON TECHNOLOGIES CORP COM 75513E101   11,033,055 112,628 SH   SOLE   0 0 112,628
STRYKER CORPORATION COM 863667101   1,745,299 5,721 SH   SOLE   0 0 5,721
BRISTOL-MYERS SQUIBB CO COM 110122108   1,989,148 31,105 SH   SOLE   0 0 31,105
ISHARES INC JP MRG EM CRP BD 464286251   1,813,950 41,825 SH   SOLE   0 0 41,825
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   442,288,932 9,577,500 SH   SOLE   0 0 9,577,500
WASTE MGMT INC DEL COM 94106L109   392,248 2,262 SH   SOLE   0 0 2,262
STARBUCKS CORP COM 855244109   6,977,629 70,438 SH   SOLE   0 0 70,438
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   262,461 4,192 SH   SOLE   0 0 4,192
BANK AMERICA CORP COM 060505104   7,067,916 246,355 SH   SOLE   0 0 246,355
ISHARES TR RUS MID CAP ETF 464287499   3,392,589 46,455 SH   SOLE   0 0 46,455
ISHARES TR EXPANDED TECH 464287515   242,137 700 SH   SOLE   0 0 700
GENERAL MTRS CO COM 37045V100   246,090 6,382 SH   SOLE   0 0 6,382
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   297,953 1,957 SH   SOLE   0 0 1,957
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   584,784 7,016 SH   SOLE   0 0 7,016
VALE S A SPONSORED ADS 91912E105   556,903 41,498 SH   SOLE   0 0 41,498
ISHARES TR CORE S&P US GWT 464287671   14,762,679 151,195 SH   SOLE   0 0 151,195
INTERNATIONAL BUSINESS MACHS COM 459200101   677,928 5,066 SH   SOLE   0 0 5,066
ISHARES TR EAFE GRWTH ETF 464288885   14,985,025 157,059 SH   SOLE   0 0 157,059
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   7,858,571 25,467 SH   SOLE   0 0 25,467
EXXON MOBIL CORP COM 30231G102   4,489,010 41,856 SH   SOLE   0 0 41,856
COCA COLA CO COM 191216100   2,936,757 48,767 SH   SOLE   0 0 48,767
AMERIPRISE FINL INC COM 03076C106   813,792 2,450 SH   SOLE   0 0 2,450
MEDTRONIC PLC SHS G5960L103   536,360 6,088 SH   SOLE   0 0 6,088
FIDELITY COVINGTON TRUST MSCI COMMNTN SVC 316092873   3,999,893 99,376 SH   SOLE   0 0 99,376
GENERAL ELECTRIC CO COM NEW 369604301   360,134 3,278 SH   SOLE   0 0 3,278
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   2,342,542 9,568 SH   SOLE   0 0 9,568
VANGUARD WORLD FDS INF TECH ETF 92204A702   1,336,408 3,022 SH   SOLE   0 0 3,022
AMERICAN TOWER CORP NEW COM 03027X100   206,275 1,064 SH   SOLE   0 0 1,064
TEXAS INSTRS INC COM 882508104   500,054 2,778 SH   SOLE   0 0 2,778
ISHARES TR INTERNATIONAL SL 46434V266   273,556 8,867 SH   SOLE   0 0 8,867
ISHARES TR CORE S&P MCP ETF 464287507   7,061,217 27,005 SH   SOLE   0 0 27,005
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   20,098,405 123,736 SH   SOLE   0 0 123,736
CLEVELAND-CLIFFS INC NEW COM 185899101   1,797,225 107,233 SH   SOLE   0 0 107,233
MONDELEZ INTL INC CL A 609207105   433,191 5,939 SH   SOLE   0 0 5,939
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   3,542,914 32,068 SH   SOLE   0 0 32,068
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   420,180 5,786 SH   SOLE   0 0 5,786
VANGUARD INDEX FDS VALUE ETF 922908744   628,095,691 4,420,096 SH   SOLE   0 0 4,420,096
ISHARES TR SP SMCP600VL ETF 464287879   455,766 4,793 SH   SOLE   0 0 4,793
BLACKROCK INC COM 09247X101   9,036,306 13,074 SH   SOLE   0 0 13,074
ISHARES TR CORE S&P US VLU 464287663   2,225,401 28,436 SH   SOLE   0 0 28,436
VANGUARD INDEX FDS GROWTH ETF 922908736   759,840,517 2,685,328 SH   SOLE   0 0 2,685,328
VANGUARD WORLD FD ESG US CORP BD 921910691   5,138,267 82,902 SH   SOLE   0 0 82,902
MCDONALDS CORP COM 580135101   13,704,329 45,924 SH   SOLE   0 0 45,924
DBX ETF TR XTRACK USD HIGH 233051432   5,678,114 164,583 SH   SOLE   0 0 164,583
TARGET CORP COM 87612E106   4,903,342 37,175 SH   SOLE   0 0 37,175
CME GROUP INC COM 12572Q105   274,414 1,481 SH   SOLE   0 0 1,481
PRINCIPAL FINANCIAL GROUP IN COM 74251V102   284,552 3,752 SH   SOLE   0 0 3,752
SPDR SER TR BLOOMBERG EMG MK 78468R515   353,876 14,875 SH   SOLE   0 0 14,875
BLACKROCK MUNIASSETS FD INC COM 09254J102   129,286 12,700 SH   SOLE   0 0 12,700
GILEAD SCIENCES INC COM 375558103   2,564,505 33,275 SH   SOLE   0 0 33,275
ISHARES TR ESG EAFE ETF 46436E759   7,721,634 126,771 SH   SOLE   0 0 126,771
EMERSON ELEC CO COM 291011104   2,557,495 28,294 SH   SOLE   0 0 28,294
NIKE INC CL B 654106103   10,067,227 91,213 SH   SOLE   0 0 91,213
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   360,939,011 7,187,157 SH   SOLE   0 0 7,187,157
MARSH & MCLENNAN COS INC COM 571748102   579,098 3,079 SH   SOLE   0 0 3,079
CONSOLIDATED EDISON INC COM 209115104   821,931 9,092 SH   SOLE   0 0 9,092
PEPSICO INC COM 713448108   14,041,335 75,809 SH   SOLE   0 0 75,809
ALPHABET INC CAP STK CL A 02079K305   5,532,773 46,222 SH   SOLE   0 0 46,222
ISHARES TR ISHARES BIOTECH 464287556   2,207,109 17,384 SH   SOLE   0 0 17,384
WORKDAY INC CL A 98138H101   928,408 4,110 SH   SOLE   0 0 4,110
FIRST INDL RLTY TR INC COM 32054K103   252,830 4,803 SH   SOLE   0 0 4,803
ZOETIS INC CL A 98978V103   398,322 2,313 SH   SOLE   0 0 2,313
VANGUARD WORLD FDS ENERGY ETF 92204A306   250,874 2,222 SH   SOLE   0 0 2,222
SPDR S&P 500 ETF TR TR UNIT 78462F103   30,725,400 69,314 SH   SOLE   0 0 69,314
ISHARES TR 0-5YR HI YL CP 46434V407   15,124,278 364,880 SH   SOLE   0 0 364,880
AB ACTIVE ETFS INC TAX AWARE SHRT 00039J202   589,056 23,600 SH   SOLE   0 0 23,600
JOHNSON & JOHNSON COM 478160104   22,023,417 133,056 SH   SOLE   0 0 133,056
ISHARES TR RUS 1000 VAL ETF 464287598   541,830 3,433 SH   SOLE   0 0 3,433
ISHARES GOLD TR ISHARES NEW 464285204   387,008 10,635 SH   SOLE   0 0 10,635
ISHARES TR CORE S&P SCP ETF 464287804   2,080,769 20,881 SH   SOLE   0 0 20,881
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   1,000,606 3,938 SH   SOLE   0 0 3,938
APPLE INC COM 037833100   51,394,315 264,960 SH   SOLE   0 0 264,960
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885   1,104,812 12,476 SH   SOLE   0 0 12,476
NEXTERA ENERGY INC COM 65339F101   12,755,724 171,910 SH   SOLE   0 0 171,910
ALPHABET INC CAP STK CL C 02079K107   10,400,556 85,976 SH   SOLE   0 0 85,976
LINDE PLC SHS G54950103   9,244,025 24,257 SH   SOLE   0 0 24,257
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   412,439,748 7,031,022 SH   SOLE   0 0 7,031,022
ISHARES TR S&P MC 400VL ETF 464287705   249,909 2,333 SH   SOLE   0 0 2,333
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   858,012 10,857 SH   SOLE   0 0 10,857
VANGUARD INDEX FDS SM CP VAL ETF 922908611   56,253,425 340,105 SH   SOLE   0 0 340,105
BLACKSTONE INC COM 09260D107   314,782 3,386 SH   SOLE   0 0 3,386
ISHARES INC CORE MSCI EMKT 46434G103   405,112 8,219 SH   SOLE   0 0 8,219
ISHARES TR CORE S&P500 ETF 464287200   62,753,750 140,795 SH   SOLE   0 0 140,795
VANGUARD INDEX FDS SML CP GRW ETF 922908595   62,059,119 270,128 SH   SOLE   0 0 270,128
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   307,360 4,144 SH   SOLE   0 0 4,144
T ROWE PRICE ETF INC PRICE DIV GRWT 87283Q404   561,611 16,850 SH   SOLE   0 0 16,850
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   912,012 6,871 SH   SOLE   0 0 6,871
ISHARES TR GRWT ALLOCAT ETF 464289867   488,097 9,487 SH   SOLE   0 0 9,487
APPLOVIN CORP COM CL A 03831W108   431,286 16,762 SH   SOLE   0 0 16,762
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100   761,319 8,775 SH   SOLE   0 0 8,775
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   203,908 1,900 SH   SOLE   0 0 1,900
META PLATFORMS INC CL A 30303M102   736,678 2,567 SH   SOLE   0 0 2,567
IMPACT SHS TR I AFFORDABLE HOUS 45259R103   3,056,138 178,722 SH   SOLE   0 0 178,722
VANGUARD STAR FDS VG TL INTL STK F 921909768   411,459 7,337 SH   SOLE   0 0 7,337
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   428,562 2,864 SH   SOLE   0 0 2,864
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   1,646,348 21,925 SH   SOLE   0 0 21,925
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   2,250,813 24,513 SH   SOLE   0 0 24,513
EATON VANCE SR FLTNG RTE TR COM 27828Q105   1,013,144 86,225 SH   SOLE   0 0 86,225
UNION PAC CORP COM 907818108   11,489,212 56,149 SH   SOLE   0 0 56,149
ISHARES TR US HLTHCARE ETF 464287762   328,201 1,171 SH   SOLE   0 0 1,171
JPMORGAN CHASE & CO COM 46625H100   25,038,111 172,154 SH   SOLE   0 0 172,154
EDWARDS LIFESCIENCES CORP COM 28176E108   228,750 2,425 SH   SOLE   0 0 2,425
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   2,016,652 39,007 SH   SOLE   0 0 39,007
NOKIA CORP SPONSORED ADR 654902204   1,143,792 274,950 SH   SOLE   0 0 274,950
COSTCO WHSL CORP NEW COM 22160K105   18,334,852 34,056 SH   SOLE   0 0 34,056
BP PLC SPONSORED ADR 055622104   478,815 13,568 SH   SOLE   0 0 13,568
AMETEK INC COM 031100100   218,538 1,350 SH   SOLE   0 0 1,350
ANALOG DEVICES INC COM 032654105   218,031 1,119 SH   SOLE   0 0 1,119
PHILIP MORRIS INTL INC COM 718172109   799,996 8,195 SH   SOLE   0 0 8,195
NUVEEN AMT FREE QLTY MUN INC COM 670657105   470,646 43,060 SH   SOLE   0 0 43,060
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   3,954,208 39,893 SH   SOLE   0 0 39,893
ISHARES TR EAFE SML CP ETF 464288273   1,404,998 23,822 SH   SOLE   0 0 23,822
CVS HEALTH CORP COM 126650100   3,810,584 55,122 SH   SOLE   0 0 55,122
AMERICAN EXPRESS CO COM 025816109   2,248,748 12,909 SH   SOLE   0 0 12,909
WALMART INC COM 931142103   10,819,320 68,834 SH   SOLE   0 0 68,834
ORACLE CORP COM 68389X105   4,311,058 36,200 SH   SOLE   0 0 36,200
CISCO SYS INC COM 17275R102   6,437,067 124,412 SH   SOLE   0 0 124,412
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   90,446,735 2,223,371 SH   SOLE   0 0 2,223,371
KINDER MORGAN INC DEL COM 49456B101   177,555 10,311 SH   SOLE   0 0 10,311
VERIZON COMMUNICATIONS INC COM 92343V104   1,904,556 51,212 SH   SOLE   0 0 51,212
AMERICAN ELEC PWR CO INC COM 025537101   306,572 3,641 SH   SOLE   0 0 3,641
MARVELL TECHNOLOGY INC COM 573874104   225,683 3,775 SH   SOLE   0 0 3,775
ISHARES TR CALIF MUN BD ETF 464288356   19,114,695 335,640 SH   SOLE   0 0 335,640
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   5,230,896 15,340 SH   SOLE   0 0 15,340
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   171,001,860 3,718,240 SH   SOLE   0 0 3,718,240
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   623,484 10,800 SH   SOLE   0 0 10,800
BLACKROCK MUNIYIELD MICH QU COM 09254V105   238,128 21,550 SH   SOLE   0 0 21,550
BLACK STONE MINERALS L P COM UNIT 09225M101   914,290 57,322 SH   SOLE   0 0 57,322
ISHARES TR 1 3 YR TREAS BD 464287457   383,752 4,733 SH   SOLE   0 0 4,733
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,580,035 6,335 SH   SOLE   0 0 6,335
WISDOMTREE TR US LARGECAP DIVD 97717W307   586,265 9,218 SH   SOLE   0 0 9,218
SPDR SER TR NUVEEN BLMBRG SH 78468R739   270,065 5,740 SH   SOLE   0 0 5,740
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   582,416 8,900 SH   SOLE   0 0 8,900
SPDR SER TR NUVEEN BLMBRG MU 78468R721   4,114,056 89,126 SH   SOLE   0 0 89,126
ABBVIE INC COM 00287Y109   11,054,199 82,047 SH   SOLE   0 0 82,047
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   347,944 4,164 SH   SOLE   0 0 4,164
VISA INC COM CL A 92826C839   15,072,040 63,467 SH   SOLE   0 0 63,467
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573   302,493,208 3,998,060 SH   SOLE   0 0 3,998,060
AMPHENOL CORP NEW CL A 032095101   659,467 7,763 SH   SOLE   0 0 7,763
TESLA INC COM 88160R101   346,764 1,325 SH   SOLE   0 0 1,325
FREEPORT-MCMORAN INC CL B 35671D857   1,371,080 34,277 SH   SOLE   0 0 34,277
MARATHON PETE CORP COM 56585A102   644,098 5,524 SH   SOLE   0 0 5,524
PFIZER INC COM 717081103   3,443,951 93,892 SH   SOLE   0 0 93,892
MERCK & CO INC COM 58933Y105   14,687,204 127,283 SH   SOLE   0 0 127,283
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   615,492 1,790 SH   SOLE   0 0 1,790
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   238,723 1,604 SH   SOLE   0 0 1,604
ENTERPRISE PRODS PARTNERS L COM 293792107   366,095 13,894 SH   SOLE   0 0 13,894
AT&T INC COM 00206R102   1,368,959 85,828 SH   SOLE   0 0 85,828
LOCKHEED MARTIN CORP COM 539830109   8,042,956 17,470 SH   SOLE   0 0 17,470
ISHARES TR RUS MDCP VAL ETF 464287473   3,404,355 30,994 SH   SOLE   0 0 30,994
VANGUARD INDEX FDS LARGE CAP ETF 922908637   750,847 3,704 SH   SOLE   0 0 3,704
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   2,340,409 34,885 SH   SOLE   0 0 34,885
FIRST TR EXCHANGE-TRADED FD NY ARCA BIOTECH 33733E203   2,240,438 14,630 SH   SOLE   0 0 14,630
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,274,933 74,770 SH   SOLE   0 0 74,770
HANESBRANDS INC COM 410345102   77,180 17,000 SH   SOLE   0 0 17,000
ISHARES TR U.S. ENERGY ETF 464287796   304,164 7,100 SH   SOLE   0 0 7,100
DELL TECHNOLOGIES INC CL C 24703L202   216,386 3,999 SH   SOLE   0 0 3,999
ISHARES TR BROAD USD HIGH 46435U853   8,515,278 241,226 SH   SOLE   0 0 241,226
PALO ALTO NETWORKS INC COM 697435105   210,796 825 SH   SOLE   0 0 825
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,868,271 9,393 SH   SOLE   0 0 9,393
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   12,730,004 97,443 SH   SOLE   0 0 97,443
DISNEY WALT CO COM 254687106   1,471,424 16,481 SH   SOLE   0 0 16,481
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204   4,019,214 54,817 SH   SOLE   0 0 54,817
PROLOGIS INC. COM 74340W103   263,810 2,151 SH   SOLE   0 0 2,151
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,969,036 56,693 SH   SOLE   0 0 56,693
SPDR SER TR S&P DIVID ETF 78464A763   357,231 2,914 SH   SOLE   0 0 2,914
ISHARES TR RUS 1000 GRW ETF 464287614   1,072,376 3,897 SH   SOLE   0 0 3,897
BOEING CO COM 097023105   2,799,227 13,256 SH   SOLE   0 0 13,256
VANGUARD WORLD FD ESG INTL STK ETF 921910725   264,136 4,973 SH   SOLE   0 0 4,973
AMERICAN WTR WKS CO INC NEW COM 030420103   5,374,927 37,653 SH   SOLE   0 0 37,653
BECTON DICKINSON & CO COM 075887109   1,973,144 7,474 SH   SOLE   0 0 7,474
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106   303,498 4,870 SH   SOLE   0 0 4,870
MICRON TECHNOLOGY INC COM 595112103   281,281 4,457 SH   SOLE   0 0 4,457
GOLDMAN SACHS GROUP INC COM 38141G104   1,754,096 5,438 SH   SOLE   0 0 5,438
BATH & BODY WORKS INC COM 070830104   1,381,688 36,845 SH   SOLE   0 0 36,845
PAYPAL HLDGS INC COM 70450Y103   1,650,433 24,733 SH   SOLE   0 0 24,733
SPDR S&P 500 ETF TR TR UNIT 78462F103   295 500 SH Put SOLE   0 0 500
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   819,648 4,714 SH   SOLE   0 0 4,714
BROADCOM INC COM 11135F101   6,788,611 7,826 SH   SOLE   0 0 7,826
PINTEREST INC CL A 72352L106   203,492 7,443 SH   SOLE   0 0 7,443
EXELON CORP COM 30161N101   697,632 17,124 SH   SOLE   0 0 17,124
SPDR SER TR NYSE TECH ETF 78464A102   412,741 2,958 SH   SOLE   0 0 2,958
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   216,095 2,860 SH   SOLE   0 0 2,860
ISHARES TR IBOXX HI YD ETF 464288513   9,388,049 125,057 SH   SOLE   0 0 125,057
ISHARES TR MORTGE REL ETF 46435G342   2,029,364 85,990 SH   SOLE   0 0 85,990
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   6,694,931 88,487 SH   SOLE   0 0 88,487
OKTA INC CL A 679295105   207,218 2,988 SH   SOLE   0 0 2,988
PROCTER AND GAMBLE CO COM 742718109   14,416,540 95,008 SH   SOLE   0 0 95,008
FEDEX CORP COM 31428X106   2,728,635 11,007 SH   SOLE   0 0 11,007
ISHARES TR ESG MSCI USA ETF 46436E767   23,394,020 650,738 SH   SOLE   0 0 650,738
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,779,751 32,710 SH   SOLE   0 0 32,710
FORD MTR CO DEL COM 345370860   2,096,789 138,585 SH   SOLE   0 0 138,585
VMWARE INC CL A COM 928563402   225,593 1,570 SH   SOLE   0 0 1,570
ISHARES TR RUS MD CP GR ETF 464287481   1,570,334 16,251 SH   SOLE   0 0 16,251
NUTRIEN LTD COM 67077M108   760,151 12,873 SH   SOLE   0 0 12,873
FIDELITY COVINGTON TRUST QLTY FCTOR ETF 316092790   808,119 15,987 SH   SOLE   0 0 15,987
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,184,880 12,218 SH   SOLE   0 0 12,218
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   486,334 14,427 SH   SOLE   0 0 14,427
ISHARES TR CORE MSCI EAFE 46432F842   3,956,839 58,620 SH   SOLE   0 0 58,620
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   886,556 12,481 SH   SOLE   0 0 12,481
ALTRIA GROUP INC COM 02209S103   441,856 9,754 SH   SOLE   0 0 9,754
CONSTELLATION ENERGY CORP COM 21037T109   258,079 2,819 SH   SOLE   0 0 2,819
TJX COS INC NEW COM 872540109   7,930,232 93,528 SH   SOLE   0 0 93,528
HOST HOTELS & RESORTS INC COM 44107P104   440,239 26,158 SH   SOLE   0 0 26,158
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   664,293 8,863 SH   SOLE   0 0 8,863
ISHARES TR CORE DIV GRWTH 46434V621   422,649 8,202 SH   SOLE   0 0 8,202
ISHARES TR RUSSELL 2000 ETF 464287655   508,625 2,716 SH   SOLE   0 0 2,716
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   2,261,847 4,723 SH   SOLE   0 0 4,723
UNITED PARCEL SERVICE INC CL B 911312106   1,383,377 7,718 SH   SOLE   0 0 7,718
FIDELITY COVINGTON TRUST FIDELITY GROWTH 316092337   203,671 12,102 SH   SOLE   0 0 12,102
PHYSICIANS RLTY TR COM 71943U104   574,905 41,094 SH   SOLE   0 0 41,094
AMAZON COM INC COM 023135106   3,389,360 26,000 SH   SOLE   0 0 26,000
ALPS ETF TR ALERIAN MLP 00162Q452   1,063,767 27,130 SH   SOLE   0 0 27,130
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   4,165,573 169,126 SH   SOLE   0 0 169,126
ONEOK INC NEW COM 682680103   1,686,445 27,324 SH   SOLE   0 0 27,324
CATERPILLAR INC COM 149123101   5,220,197 21,216 SH   SOLE   0 0 21,216
ISHARES TR S&P SML 600 GWT 464287887   543,476 4,729 SH   SOLE   0 0 4,729
ADOBE SYSTEMS INCORPORATED COM 00724F101   608,793 1,245 SH   SOLE   0 0 1,245
NOVARTIS AG SPONSORED ADR 66987V109   701,325 6,950 SH   SOLE   0 0 6,950
SOUTHERN CO COM 842587107   505,473 7,195 SH   SOLE   0 0 7,195
CROWDSTRIKE HLDGS INC CL A 22788C105   1,045,714 7,120 SH   SOLE   0 0 7,120
ABBOTT LABS COM 002824100   7,712,565 70,744 SH   SOLE   0 0 70,744
MICROSOFT CORP COM 594918104   48,015,814 140,999 SH   SOLE   0 0 140,999
SCHWAB CHARLES CORP COM 808513105   3,596,913 63,460 SH   SOLE   0 0 63,460
LABORATORY CORP AMER HLDGS COM NEW 50540R409   305,524 1,266 SH   SOLE   0 0 1,266
ISHARES TR FLTG RATE NT ETF 46429B655   9,762,680 192,103 SH   SOLE   0 0 192,103
HERSHEY CO COM 427866108   344,586 1,380 SH   SOLE   0 0 1,380
VANGUARD INDEX FDS MID CAP ETF 922908629   1,400,440 6,361 SH   SOLE   0 0 6,361
ISHARES TR MBS ETF 464288588   250,417 2,685 SH   SOLE   0 0 2,685
J P MORGAN EXCHANGE TRADED F US VALUE FACTR 46641Q753   822,578 23,054 SH   SOLE   0 0 23,054
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   8,952,515 197,105 SH   SOLE   0 0 197,105
VANGUARD BD INDEX FDS INTERMED TERM 921937819   743,517 9,883 SH   SOLE   0 0 9,883
ISHARES TR PFD AND INCM SEC 464288687   2,428,622 78,520 SH   SOLE   0 0 78,520
ISHARES TR S&P MC 400GR ETF 464287606   624,207 8,323 SH   SOLE   0 0 8,323
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   624,975 19,206 SH   SOLE   0 0 19,206
ISHARES TR JPMORGAN USD EMG 464288281   2,425,713 28,030 SH   SOLE   0 0 28,030
KLA CORP COM NEW 482480100   5,203,768 10,729 SH   SOLE   0 0 10,729
ISHARES TR SELECT DIVID ETF 464287168   804,430 7,100 SH   SOLE   0 0 7,100
LILLY ELI & CO COM 532457108   9,973,586 21,267 SH   SOLE   0 0 21,267
KIMBERLY-CLARK CORP COM 494368103   415,837 3,012 SH   SOLE   0 0 3,012
AUTOMATIC DATA PROCESSING IN COM 053015103   617,400 2,809 SH   SOLE   0 0 2,809
ISHARES TR NEW YORK MUN ETF 464288323   16,341,869 306,832 SH   SOLE   0 0 306,832
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   6,954,926 195,089 SH   SOLE   0 0 195,089
COMCAST CORP NEW CL A 20030N101   9,375,298 225,639 SH   SOLE   0 0 225,639
3M CO COM 88579Y101   473,237 4,728 SH   SOLE   0 0 4,728
DIAGEO PLC SPON ADR NEW 25243Q205   8,403,343 48,440 SH   SOLE   0 0 48,440
ISHARES TR S&P 100 ETF 464287101   1,682,570 8,126 SH   SOLE   0 0 8,126
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869   4,222,080 45,157 SH   SOLE   0 0 45,157
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   615,989 7,502 SH   SOLE   0 0 7,502
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   244,969 9,375 SH   SOLE   0 0 9,375
ELEVANCE HEALTH INC COM 036752103   14,178,302 31,912 SH   SOLE   0 0 31,912
COSTAR GROUP INC COM 22160N109   406,730 4,570 SH   SOLE   0 0 4,570
BAIDU INC SPON ADR REP A 056752108   1,633,610 11,932 SH   SOLE   0 0 11,932
CITIGROUP INC COM NEW 172967424   2,927,545 63,587 SH   SOLE   0 0 63,587
ISHARES TR RUS 1000 ETF 464287622   1,733,517 7,112 SH   SOLE   0 0 7,112
AMGEN INC COM 031162100   3,901,701 17,574 SH   SOLE   0 0 17,574
ISHARES INC MSCI SWITZERLAND 464286749   3,336,853 72,211 SH   SOLE   0 0 72,211
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   296,604 2,939 SH   SOLE   0 0 2,939
ISHARES TR IBOXX INV CP ETF 464287242   3,415,983 31,589 SH   SOLE   0 0 31,589
VANGUARD WELLINGTON FD US VALUE FACTR 921935805   63,378,041 636,006 SH   SOLE   0 0 636,006
ISHARES TR MORNINGSTAR GRWT 464287119   1,736,520 27,855 SH   SOLE   0 0 27,855