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
2U INC COM 90214J101   119,989 29,774 SH   SOLE   0 0 29,774
ABBOTT LABS COM 002824100   801,864 7,355 SH   SOLE   0 0 7,355
ABBVIE INC COM 00287Y109   259,985 1,930 SH   SOLE   0 0 1,930
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   772,993 2,505 SH   SOLE   0 0 2,505
ADIENT PLC ORD SHS G0084W101   353,770 9,232 SH   SOLE   0 0 9,232
ADOBE SYSTEMS INCORPORATED COM 00724F101   1,876,255 3,837 SH   SOLE   0 0 3,837
AECOM COM 00766T100   398,212 4,702 SH   SOLE   0 0 4,702
AEGON N V NY REGISTRY SHS 007924103   153,474 30,271 SH   SOLE   0 0 30,271
AERCAP HOLDINGS NV SHS N00985106   203,200 3,199 SH   SOLE   0 0 3,199
AFFIRM HLDGS INC COM CL A 00827B106   320,458 20,904 SH   SOLE   0 0 20,904
AFLAC INC COM 001055102   561,332 8,042 SH   SOLE   0 0 8,042
AGILENT TECHNOLOGIES INC COM 00846U101   436,989 3,634 SH   SOLE   0 0 3,634
AIRBNB INC COM CL A 009066101   373,971 2,918 SH   SOLE   0 0 2,918
ALEXANDRIA REAL ESTATE EQ IN COM 015271109   251,267 2,214 SH   SOLE   0 0 2,214
ALIGN TECHNOLOGY INC COM 016255101   513,132 1,451 SH   SOLE   0 0 1,451
ALLEGION PLC ORD SHS G0176J109   239,320 1,994 SH   SOLE   0 0 1,994
ALLY FINL INC COM 02005N100   222,427 8,235 SH   SOLE   0 0 8,235
ALNYLAM PHARMACEUTICALS INC COM 02043Q107   258,318 1,360 SH   SOLE   0 0 1,360
ALPHABET INC CAP STK CL A 02079K305   3,901,143 32,591 SH   SOLE   0 0 32,591
ALPHABET INC CAP STK CL C 02079K107   1,519,266 12,559 SH   SOLE   0 0 12,559
AMAZON COM INC COM 023135106   5,369,919 41,193 SH   SOLE   0 0 41,193
AMERICAN EXPRESS CO COM 025816109   599,596 3,442 SH   SOLE   0 0 3,442
AMERICAN INTL GROUP INC COM NEW 026874784   335,401 5,829 SH   SOLE   0 0 5,829
AMGEN INC COM 031162100   759,752 3,422 SH   SOLE   0 0 3,422
AON PLC SHS CL A G0403H108   385,934 1,118 SH   SOLE   0 0 1,118
APOLLO GLOBAL MGMT INC COM 03769M106   338,194 4,403 SH   SOLE   0 0 4,403
APPLE INC COM 037833100   23,118,762 119,187 SH   SOLE   0 0 119,187
APPLIED INDL TECHNOLOGIES IN COM 03820C105   216,376 1,494 SH   SOLE   0 0 1,494
APPLIED MATLS INC COM 038222105   700,152 4,844 SH   SOLE   0 0 4,844
ARCH CAP GROUP LTD ORD G0450A105   254,340 3,398 SH   SOLE   0 0 3,398
ARROW ELECTRS INC COM 042735100   529,235 3,695 SH   SOLE   0 0 3,695
ASML HOLDING N V N Y REGISTRY SHS N07059210   266,708 368 SH   SOLE   0 0 368
ASTRAZENECA PLC SPONSORED ADR 046353108   1,076,270 15,038 SH   SOLE   0 0 15,038
AT&T INC COM 00206R102   435,255 27,289 SH   SOLE   0 0 27,289
AUTODESK INC COM 052769106   293,206 1,433 SH   SOLE   0 0 1,433
AUTOMATIC DATA PROCESSING IN COM 053015103   920,692 4,189 SH   SOLE   0 0 4,189
AVALONBAY CMNTYS INC COM 053484101   479,232 2,532 SH   SOLE   0 0 2,532
AVERY DENNISON CORP COM 053611109   303,914 1,769 SH   SOLE   0 0 1,769
AXALTA COATING SYS LTD COM G0750C108   313,171 9,545 SH   SOLE   0 0 9,545
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   634,537 82,622 SH   SOLE   0 0 82,622
BANCO SANTANDER S.A. ADR 05964H105   91,440 24,647 SH   SOLE   0 0 24,647
BANK NEW YORK MELLON CORP COM 064058100   439,368 9,869 SH   SOLE   0 0 9,869
BECTON DICKINSON & CO COM 075887109   525,417 1,990 SH   SOLE   0 0 1,990
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   953,095 2,795 SH   SOLE   0 0 2,795
BLACKSTONE INC COM 09260D107   453,787 4,881 SH   SOLE   0 0 4,881
BOOKING HOLDINGS INC COM 09857L108   623,776 231 SH   SOLE   0 0 231
BOSTON PROPERTIES INC COM 101121101   443,616 7,703 SH   SOLE   0 0 7,703
BOSTON SCIENTIFIC CORP COM 101137107   599,263 11,079 SH   SOLE   0 0 11,079
BRISTOL-MYERS SQUIBB CO COM 110122108   644,388 10,076 SH   SOLE   0 0 10,076
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   319,500 1,929 SH   SOLE   0 0 1,929
CAPITAL ONE FINL CORP COM 14040H105   314,657 2,877 SH   SOLE   0 0 2,877
CBRE GROUP INC CL A 12504L109   446,811 5,536 SH   SOLE   0 0 5,536
CDW CORP COM 12514G108   549,032 2,992 SH   SOLE   0 0 2,992
CERIDIAN HCM HLDG INC COM 15677J108   334,783 4,999 SH   SOLE   0 0 4,999
CHECK POINT SOFTWARE TECH LT ORD M22465104   334,903 2,666 SH   SOLE   0 0 2,666
CHESAPEAKE UTILS CORP COM 165303108   435,183 3,657 SH   SOLE   0 0 3,657
CHIPOTLE MEXICAN GRILL INC COM 169656105   663,090 310 SH   SOLE   0 0 310
CHUBB LIMITED COM H1467J104   364,709 1,894 SH   SOLE   0 0 1,894
CHURCH & DWIGHT CO INC COM 171340102   556,966 5,557 SH   SOLE   0 0 5,557
CINTAS CORP COM 172908105   523,425 1,053 SH   SOLE   0 0 1,053
CME GROUP INC COM 12572Q105   331,531 1,789 SH   SOLE   0 0 1,789
COLGATE PALMOLIVE CO COM 194162103   357,851 4,645 SH   SOLE   0 0 4,645
COMCAST CORP NEW CL A 20030N101   807,173 19,427 SH   SOLE   0 0 19,427
COMERICA INC COM 200340107   329,222 7,772 SH   SOLE   0 0 7,772
CONAGRA BRANDS INC COM 205887102   294,038 8,720 SH   SOLE   0 0 8,720
CONSTELLATION BRANDS INC CL A 21036P108   406,361 1,651 SH   SOLE   0 0 1,651
COPA HOLDINGS SA CL A P31076105   1,347,970 12,190 SH   SOLE   0 0 12,190
CORNING INC COM 219350105   360,369 10,284 SH   SOLE   0 0 10,284
CORTEVA INC COM 22052L104   726,048 12,671 SH   SOLE   0 0 12,671
COSTCO WHSL CORP NEW COM 22160K105   649,050 1,206 SH   SOLE   0 0 1,206
CROWDSTRIKE HLDGS INC CL A 22788C105   439,435 2,992 SH   SOLE   0 0 2,992
CROWN CASTLE INC COM 22822V101   316,204 2,775 SH   SOLE   0 0 2,775
CUSHMAN WAKEFIELD PLC SHS G2717B108   86,495 10,574 SH   SOLE   0 0 10,574
CVS HEALTH CORP COM 126650100   355,536 5,143 SH   SOLE   0 0 5,143
D R HORTON INC COM 23331A109   525,822 4,321 SH   SOLE   0 0 4,321
DANAHER CORPORATION COM 235851102   568,080 2,367 SH   SOLE   0 0 2,367
DARDEN RESTAURANTS INC COM 237194105   357,551 2,140 SH   SOLE   0 0 2,140
DEERE & CO COM 244199105   454,634 1,122 SH   SOLE   0 0 1,122
DELEK US HLDGS INC NEW COM 24665A103   407,677 17,022 SH   SOLE   0 0 17,022
DEXCOM INC COM 252131107   567,881 4,419 SH   SOLE   0 0 4,419
DHT HOLDINGS INC SHS NEW Y2065G121   276,730 32,442 SH   SOLE   0 0 32,442
DIAGEO PLC SPON ADR NEW 25243Q205   393,973 2,271 SH   SOLE   0 0 2,271
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   202,820 4,211 SH   SOLE   0 0 4,211
DIODES INC COM 254543101   597,948 6,465 SH   SOLE   0 0 6,465
DISNEY WALT CO COM 254687106   466,667 5,227 SH   SOLE   0 0 5,227
DIVERSIFIED HEALTHCARE TR COM SH BEN INT 25525P107   23,452 10,423 SH   SOLE   0 0 10,423
DOLLAR GEN CORP NEW COM 256677105   212,055 1,249 SH   SOLE   0 0 1,249
DOLLAR TREE INC COM 256746108   223,573 1,558 SH   SOLE   0 0 1,558
DONALDSON INC COM 257651109   358,620 5,737 SH   SOLE   0 0 5,737
DOORDASH INC CL A 25809K105   1,109,160 14,514 SH   SOLE   0 0 14,514
DUPONT DE NEMOURS INC COM 26614N102   582,593 8,155 SH   SOLE   0 0 8,155
EBAY INC. COM 278642103   480,328 10,748 SH   SOLE   0 0 10,748
EDISON INTL COM 281020107   1,572,348 22,640 SH   SOLE   0 0 22,640
EDWARDS LIFESCIENCES CORP COM 28176E108   582,865 6,179 SH   SOLE   0 0 6,179
ELEVANCE HEALTH INC COM 036752103   474,057 1,067 SH   SOLE   0 0 1,067
ENTEGRIS INC COM 29362U104   798,569 7,206 SH   SOLE   0 0 7,206
EQUITY RESIDENTIAL SH BEN INT 29476L107   432,499 6,556 SH   SOLE   0 0 6,556
EXCELERATE ENERGY INC CL A COM 30069T101   251,604 12,376 SH   SOLE   0 0 12,376
EXPEDITORS INTL WASH INC COM 302130109   473,376 3,908 SH   SOLE   0 0 3,908
FIDELITY NATL INFORMATION SV COM 31620M106   219,183 4,007 SH   SOLE   0 0 4,007
FISERV INC COM 337738108   547,743 4,342 SH   SOLE   0 0 4,342
FORTIVE CORP COM 34959J108   671,136 8,976 SH   SOLE   0 0 8,976
FORTUNE BRANDS INNOVATIONS I COM 34964C106   490,555 6,818 SH   SOLE   0 0 6,818
FRANKLIN ELEC INC COM 353514102   334,116 3,247 SH   SOLE   0 0 3,247
FULLER H B CO COM 359694106   513,513 7,181 SH   SOLE   0 0 7,181
GALLAGHER ARTHUR J & CO COM 363576109   479,102 2,182 SH   SOLE   0 0 2,182
GARTNER INC COM 366651107   569,254 1,625 SH   SOLE   0 0 1,625
GENERAL MLS INC COM 370334104   804,660 10,491 SH   SOLE   0 0 10,491
GENMAB A/S SPONSORED ADS 372303206   213,198 5,609 SH   SOLE   0 0 5,609
GILEAD SCIENCES INC COM 375558103   830,815 10,780 SH   SOLE   0 0 10,780
GINKGO BIOWORKS HOLDINGS INC CL A SHS 37611X100   47,607 25,595 SH   SOLE   0 0 25,595
GLOBALFOUNDRIES INC ORDINARY SHARES G39387108   412,731 6,391 SH   SOLE   0 0 6,391
GOLAR LNG LTD SHS G9456A100   296,237 14,687 SH   SOLE   0 0 14,687
GOLDMAN SACHS GROUP INC COM 38141G104   771,401 2,392 SH   SOLE   0 0 2,392
GRAB HOLDINGS LIMITED CLASS A ORD G4124C109   122,952 35,846 SH   SOLE   0 0 35,846
GRACO INC COM 384109104   304,902 3,531 SH   SOLE   0 0 3,531
GRAINGER W W INC COM 384802104   714,463 906 SH   SOLE   0 0 906
GSK PLC SPONSORED ADR 37733W204   542,156 15,212 SH   SOLE   0 0 15,212
HCA HEALTHCARE INC COM 40412C101   489,210 1,612 SH   SOLE   0 0 1,612
HEWLETT PACKARD ENTERPRISE C COM 42824C109   305,374 18,177 SH   SOLE   0 0 18,177
HILTON GRAND VACATIONS INC COM 43283X105   252,328 5,553 SH   SOLE   0 0 5,553
HOME DEPOT INC COM 437076102   270,559 871 SH   SOLE   0 0 871
HORMEL FOODS CORP COM 440452100   237,740 5,911 SH   SOLE   0 0 5,911
HOST HOTELS & RESORTS INC COM 44107P104   240,703 14,302 SH   SOLE   0 0 14,302
HP INC COM 40434L105   576,488 18,772 SH   SOLE   0 0 18,772
HUBBELL INC COM 443510607   672,404 2,028 SH   SOLE   0 0 2,028
HUBSPOT INC COM 443573100   1,700,028 3,195 SH   SOLE   0 0 3,195
HUNTINGTON BANCSHARES INC COM 446150104   272,454 25,274 SH   SOLE   0 0 25,274
HYCROFT MINING HOLDING CORP COM CL A 44862P109   3,900 13,206 SH   SOLE   0 0 13,206
ICHOR HOLDINGS SHS G4740B105   371,400 9,904 SH   SOLE   0 0 9,904
IDEXX LABS INC COM 45168D104   452,509 901 SH   SOLE   0 0 901
ING GROEP N.V. SPONSORED ADR 456837103   367,596 27,290 SH   SOLE   0 0 27,290
INTERCONTINENTAL EXCHANGE IN COM 45866F104   381,306 3,372 SH   SOLE   0 0 3,372
INTERNATIONAL FLAVORS&FRAGRA COM 459506101   327,592 4,116 SH   SOLE   0 0 4,116
INTERPUBLIC GROUP COS INC COM 460690100   457,212 11,851 SH   SOLE   0 0 11,851
INTUIT COM 461202103   852,233 1,860 SH   SOLE   0 0 1,860
INTUITIVE SURGICAL INC COM NEW 46120E602   627,460 1,835 SH   SOLE   0 0 1,835
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   441,661 23,214 SH   SOLE   0 0 23,214
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   562,510 27,944 SH   SOLE   0 0 27,944
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643   437,911 22,178 SH   SOLE   0 0 22,178
INVESCO EXCH TRD SLF IDX FD INVSCO 30 CORP 46138J460   413,381 25,517 SH   SOLE   0 0 25,517
INVESCO EXCH TRD SLF IDX FD BULETSHS 2029 46138J577   434,328 24,203 SH   SOLE   0 0 24,203
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   539,638 28,484 SH   SOLE   0 0 28,484
INVESCO EXCH TRD SLF IDX FD BULETSHS 2031 CP 46138J429   405,737 25,414 SH   SOLE   0 0 25,414
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   573,530 27,882 SH   SOLE   0 0 27,882
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   586,623 27,710 SH   SOLE   0 0 27,710
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   4,489,574 27,434 SH   SOLE   0 0 27,434
INVESCO EXCHNG TRAD SLF INDE BULLETSHS 2032 46139W858   372,045 18,491 SH   SOLE   0 0 18,491
INVITATION HOMES INC COM 46187W107   360,202 10,471 SH   SOLE   0 0 10,471
ISHARES INC FRONTIER AND SEL 464286145   455,673 17,614 SH   SOLE   0 0 17,614
ISHARES INC ESG AWR MSCI EM 46434G863   44,395,344 1,403,583 SH   SOLE   0 0 1,403,583
ISHARES INC CORE MSCI EMKT 46434G103   4,034,689 81,856 SH   SOLE   0 0 81,856
ISHARES TR RUS 1000 GRW ETF 464287614   911,401 3,312 SH   SOLE   0 0 3,312
ISHARES TR ESG AW MSCI EAFE 46435G516   50,968,323 698,866 SH   SOLE   0 0 698,866
ISHARES TR MSCI KLD400 SOC 464288570   482,126 5,728 SH   SOLE   0 0 5,728
ISHARES TR TIPS BD ETF 464287176   226,002 2,100 SH   SOLE   0 0 2,100
ISHARES TR CORE S&P SCP ETF 464287804   2,327,102 23,353 SH   SOLE   0 0 23,353
ISHARES TR MSCI EMG MKT ETF 464287234   374,425 9,465 SH   SOLE   0 0 9,465
ISHARES TR BROAD USD HIGH 46435U853   2,480,547 70,270 SH   SOLE   0 0 70,270
ISHARES TR RUSSELL 2000 ETF 464287655   401,740 2,145 SH   SOLE   0 0 2,145
ISHARES TR RUS MDCP VAL ETF 464287473   224,221 2,041 SH   SOLE   0 0 2,041
ISHARES TR RUS MID CAP ETF 464287499   2,037,610 27,901 SH   SOLE   0 0 27,901
ISHARES TR CORE MSCI EAFE 46432F842   8,086,181 119,795 SH   SOLE   0 0 119,795
ISHARES TR CORE S&P500 ETF 464287200   7,220,384 16,200 SH   SOLE   0 0 16,200
ISHARES TR MSCI EAFE ETF 464287465   441,534 6,090 SH   SOLE   0 0 6,090
ISHARES TR U.S. TECH ETF 464287721   354,372 3,255 SH   SOLE   0 0 3,255
ISHARES TR CORE S&P US GWT 464287671   289,014 2,960 SH   SOLE   0 0 2,960
ISHARES TR S&P 500 GRWT ETF 464287309   249,570 3,541 SH   SOLE   0 0 3,541
ISHARES TR S&P MC 400GR ETF 464287606   206,315 2,751 SH   SOLE   0 0 2,751
ISHARES TR SP SMCP600VL ETF 464287879   349,428 3,675 SH   SOLE   0 0 3,675
ISHARES TR S&P 500 VAL ETF 464287408   390,527 2,423 SH   SOLE   0 0 2,423
ISHARES TR CORE S&P MCP ETF 464287507   2,812,332 10,755 SH   SOLE   0 0 10,755
ISHARES TR RUS 1000 VAL ETF 464287598   1,699,250 10,766 SH   SOLE   0 0 10,766
ISHARES TR RUS 1000 ETF 464287622   970,329 3,981 SH   SOLE   0 0 3,981
ISHARES TR JPMORGAN USD EMG 464288281   6,318,442 73,012 SH   SOLE   0 0 73,012
ISHARES TR MSCI USA ESG SLC 464288802   24,620,969 262,932 SH   SOLE   0 0 262,932
ISHARES TR SHRT NAT MUN ETF 464288158   57,737,077 554,951 SH   SOLE   0 0 554,951
ISHARES TR NATIONAL MUN ETF 464288414   84,433,486 791,094 SH   SOLE   0 0 791,094
IVANHOE ELECTRIC INC COM 46578C108   192,783 14,784 SH   SOLE   0 0 14,784
JABIL INC COM 466313103   656,538 6,083 SH   SOLE   0 0 6,083
JOHNSON & JOHNSON COM 478160104   206,290 1,246 SH   SOLE   0 0 1,246
JPMORGAN CHASE & CO COM 46625H100   363,165 2,497 SH   SOLE   0 0 2,497
KEYCORP COM 493267108   255,994 27,705 SH   SOLE   0 0 27,705
KIMBERLY-CLARK CORP COM 494368103   734,210 5,318 SH   SOLE   0 0 5,318
KROGER CO COM 501044101   297,510 6,330 SH   SOLE   0 0 6,330
LATTICE SEMICONDUCTOR CORP COM 518415104   795,748 8,283 SH   SOLE   0 0 8,283
LAUDER ESTEE COS INC CL A 518439104   679,475 3,460 SH   SOLE   0 0 3,460
LIBERTY ENERGY INC COM CL A 53115L104   289,915 21,684 SH   SOLE   0 0 21,684
LILLY ELI & CO COM 532457108   1,286,424 2,743 SH   SOLE   0 0 2,743
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   445,133 202,333 SH   SOLE   0 0 202,333
LOCKHEED MARTIN CORP COM 539830109   298,951 649 SH   SOLE   0 0 649
LOWES COS INC COM 548661107   264,972 1,174 SH   SOLE   0 0 1,174
LULULEMON ATHLETICA INC COM 550021109   422,785 1,117 SH   SOLE   0 0 1,117
M & T BK CORP COM 55261F104   244,178 1,973 SH   SOLE   0 0 1,973
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106   213,134 3,420 SH   SOLE   0 0 3,420
MARSH & MCLENNAN COS INC COM 571748102   686,304 3,649 SH   SOLE   0 0 3,649
MASCO CORP COM 574599106   388,520 6,771 SH   SOLE   0 0 6,771
MASTERCARD INCORPORATED CL A 57636Q104   1,194,452 3,037 SH   SOLE   0 0 3,037
MATERION CORP COM 576690101   362,471 3,174 SH   SOLE   0 0 3,174
MCCORMICK & CO INC COM NON VTG 579780206   399,077 4,575 SH   SOLE   0 0 4,575
MCDONALDS CORP COM 580135101   440,612 1,477 SH   SOLE   0 0 1,477
MEDICAL PPTYS TRUST INC COM 58463J304   97,147 10,491 SH   SOLE   0 0 10,491
MEDTRONIC PLC SHS G5960L103   485,343 5,509 SH   SOLE   0 0 5,509
MERCK & CO INC COM 58933Y105   1,779,507 15,422 SH   SOLE   0 0 15,422
META PLATFORMS INC CL A 30303M102   11,480,635 40,005 SH   SOLE   0 0 40,005
METTLER TOLEDO INTERNATIONAL COM 592688105   323,975 247 SH   SOLE   0 0 247
MICROSOFT CORP COM 594918104   9,905,714 29,088 SH   SOLE   0 0 29,088
MID-AMER APT CMNTYS INC COM 59522J103   373,424 2,459 SH   SOLE   0 0 2,459
MIDDLEBY CORP COM 596278101   362,479 2,452 SH   SOLE   0 0 2,452
MKS INSTRS INC COM 55306N104   610,008 5,643 SH   SOLE   0 0 5,643
MONDELEZ INTL INC CL A 609207105   1,092,785 14,982 SH   SOLE   0 0 14,982
MONGODB INC CL A 60937P106   461,542 1,123 SH   SOLE   0 0 1,123
MOODYS CORP COM 615369105   514,216 1,479 SH   SOLE   0 0 1,479
MSCI INC COM 55354G100   657,945 1,402 SH   SOLE   0 0 1,402
NATWEST GROUP PLC SPONS ADR 639057207   124,542 20,350 SH   SOLE   0 0 20,350
NETFLIX INC COM 64110L106   6,114,441 13,881 SH   SOLE   0 0 13,881
NEW JERSEY RES CORP COM 646025106   541,101 11,464 SH   SOLE   0 0 11,464
NIKE INC CL B 654106103   520,726 4,718 SH   SOLE   0 0 4,718
NOBLE CORP PLC ORD SHS A G65431127   300,324 7,270 SH   SOLE   0 0 7,270
NOMURA HLDGS INC SPONSORED ADR 65535H208   103,173 26,938 SH   SOLE   0 0 26,938
NORDIC AMERICAN TANKERS LIMI COM G65773106   60,841 16,578 SH   SOLE   0 0 16,578
NORTHERN OIL & GAS INC COM 665531307   607,636 17,705 SH   SOLE   0 0 17,705
NORTHERN TR CORP COM 665859104   205,368 2,770 SH   SOLE   0 0 2,770
NOVARTIS AG SPONSORED ADR 66987V109   1,285,795 12,742 SH   SOLE   0 0 12,742
NOVO-NORDISK A S ADR 670100205   1,591,436 9,834 SH   SOLE   0 0 9,834
NUCOR CORP COM 670346105   725,284 4,423 SH   SOLE   0 0 4,423
NVIDIA CORPORATION COM 67066G104   574,030 1,357 SH   SOLE   0 0 1,357
NXP SEMICONDUCTORS N V COM N6596X109   350,412 1,712 SH   SOLE   0 0 1,712
OIL STS INTL INC COM 678026105   86,435 11,571 SH   SOLE   0 0 11,571
OMNICOM GROUP INC COM 681919106   436,002 4,582 SH   SOLE   0 0 4,582
OPKO HEALTH INC COM 68375N103   32,975 15,196 SH   SOLE   0 0 15,196
ORACLE CORP COM 68389X105   706,085 5,929 SH   SOLE   0 0 5,929
ORANGE SPONSORED ADR 684060106   299,288 25,712 SH   SOLE   0 0 25,712
OTIS WORLDWIDE CORP COM 68902V107   810,436 9,105 SH   SOLE   0 0 9,105
PACTIV EVERGREEN INC COM 69526K105   239,288 31,610 SH   SOLE   0 0 31,610
PARK AEROSPACE CORP COM 70014A104   169,726 12,299 SH   SOLE   0 0 12,299
PATTERSON-UTI ENERGY INC COM 703481101   403,317 33,694 SH   SOLE   0 0 33,694
PAYCHEX INC COM 704326107   553,757 4,950 SH   SOLE   0 0 4,950
PAYPAL HLDGS INC COM 70450Y103   212,735 3,188 SH   SOLE   0 0 3,188
PEARSON PLC SPONSORED ADR 705015105   107,399 10,248 SH   SOLE   0 0 10,248
PEPSICO INC COM 713448108   527,361 2,847 SH   SOLE   0 0 2,847
PFIZER INC COM 717081103   642,637 17,520 SH   SOLE   0 0 17,520
PHILLIPS EDISON & CO INC COMMON STOCK 71844V201   307,468 9,022 SH   SOLE   0 0 9,022
PIEDMONT OFFICE REALTY TR IN COM CL A 720190206   128,897 17,730 SH   SOLE   0 0 17,730
PNC FINL SVCS GROUP INC COM 693475105   432,890 3,437 SH   SOLE   0 0 3,437
POWER INTEGRATIONS INC COM 739276103   635,520 6,713 SH   SOLE   0 0 6,713
PRINCIPAL FINANCIAL GROUP IN COM 74251V102   340,901 4,495 SH   SOLE   0 0 4,495
PROCTER AND GAMBLE CO COM 742718109   404,497 2,666 SH   SOLE   0 0 2,666
PROGRESSIVE CORP COM 743315103   495,329 3,742 SH   SOLE   0 0 3,742
PROLOGIS INC. COM 74340W103   886,002 7,225 SH   SOLE   0 0 7,225
PRUDENTIAL FINL INC COM 744320102   580,047 6,575 SH   SOLE   0 0 6,575
PRUDENTIAL PLC ADR 74435K204   302,628 10,686 SH   SOLE   0 0 10,686
PULTE GROUP INC COM 745867101   243,061 3,129 SH   SOLE   0 0 3,129
REALTY INCOME CORP COM 756109104   471,265 7,882 SH   SOLE   0 0 7,882
REGENERON PHARMACEUTICALS COM 75886F107   442,621 616 SH   SOLE   0 0 616
REGIONS FINANCIAL CORP NEW COM 7591EP100   339,774 19,067 SH   SOLE   0 0 19,067
RELIANCE STEEL & ALUMINUM CO COM 759509102   1,012,488 3,728 SH   SOLE   0 0 3,728
RELX PLC SPONSORED ADR 759530108   897,997 26,862 SH   SOLE   0 0 26,862
ROYAL GOLD INC COM 780287108   421,472 3,672 SH   SOLE   0 0 3,672
S&P GLOBAL INC COM 78409V104   1,275,014 3,180 SH   SOLE   0 0 3,180
SAFE BULKERS INC COM Y7388L103   35,058 10,754 SH   SOLE   0 0 10,754
SALESFORCE INC COM 79466L302   977,923 4,629 SH   SOLE   0 0 4,629
SANOFI SPONSORED ADR 80105N105   679,787 12,612 SH   SOLE   0 0 12,612
SAP SE SPON ADR 803054204   1,734,204 12,676 SH   SOLE   0 0 12,676
SBA COMMUNICATIONS CORP NEW CL A 78410G104   278,112 1,200 SH   SOLE   0 0 1,200
SCHWAB CHARLES CORP COM 808513105   422,776 7,459 SH   SOLE   0 0 7,459
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   12,946,676 250,419 SH   SOLE   0 0 250,419
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   277,199 3,817 SH   SOLE   0 0 3,817
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   680,757 15,542 SH   SOLE   0 0 15,542
SCHWAB STRATEGIC TR US TIPS ETF 808524870   4,118,741 78,557 SH   SOLE   0 0 78,557
SCIENCE 37 HOLDINGS INC COM 808644108   71,679 337,314 SH   SOLE   0 0 337,314
SEAGEN INC COM 81181C104   261,938 1,361 SH   SOLE   0 0 1,361
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   412,918 2,375 SH   SOLE   0 0 2,375
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   428,525 12,712 SH   SOLE   0 0 12,712
SEMTECH CORP COM 816850101   206,786 8,122 SH   SOLE   0 0 8,122
SENSIENT TECHNOLOGIES CORP COM 81725T100   222,708 3,131 SH   SOLE   0 0 3,131
SERVICENOW INC COM 81762P102   876,673 1,560 SH   SOLE   0 0 1,560
SFL CORPORATION LTD SHS G7738W106   399,651 42,835 SH   SOLE   0 0 42,835
SJW GROUP COM 784305104   302,525 4,315 SH   SOLE   0 0 4,315
SM ENERGY CO COM 78454L100   1,416,297 44,777 SH   SOLE   0 0 44,777
SMITH A O CORP COM 831865209   243,012 3,339 SH   SOLE   0 0 3,339
SMUCKER J M CO COM NEW 832696405   225,344 1,526 SH   SOLE   0 0 1,526
SNAP ON INC COM 833034101   506,350 1,757 SH   SOLE   0 0 1,757
SNOWFLAKE INC CL A 833445109   223,495 1,270 SH   SOLE   0 0 1,270
SONY GROUP CORPORATION SPONSORED ADR 835699307   1,355,462 15,054 SH   SOLE   0 0 15,054
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   673,882 19,601 SH   SOLE   0 0 19,601
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   228,236 7,014 SH   SOLE   0 0 7,014
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,793,196 10,813 SH   SOLE   0 0 10,813
SPDR SER TR PORTFOLIO AGRGTE 78464A649   204,837 8,074 SH   SOLE   0 0 8,074
SPDR SER TR BLOOMBERG HIGH Y 78468R622   4,482,502 48,707 SH   SOLE   0 0 48,707
SPDR SER TR PRTFLO S&P500 GW 78464A409   286,930 4,703 SH   SOLE   0 0 4,703
SPDR SER TR PRTFLO S&P500 VL 78464A508   2,462,907 57,012 SH   SOLE   0 0 57,012
SPOTIFY TECHNOLOGY S A SHS L8681T102   1,235,272 7,694 SH   SOLE   0 0 7,694
SPX TECHNOLOGIES INC COM 78473E103   394,261 4,640 SH   SOLE   0 0 4,640
STANLEY BLACK & DECKER INC COM 854502101   531,523 5,672 SH   SOLE   0 0 5,672
STATE STR CORP COM 857477103   320,602 4,381 SH   SOLE   0 0 4,381
STRYKER CORPORATION COM 863667101   708,419 2,322 SH   SOLE   0 0 2,322
SUN CMNTYS INC COM 866674104   254,527 1,951 SH   SOLE   0 0 1,951
SYNAPTICS INC COM 87157D109   392,236 4,594 SH   SOLE   0 0 4,594
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205   816,496 51,973 SH   SOLE   0 0 51,973
TARGET CORP COM 87612E106   395,216 2,996 SH   SOLE   0 0 2,996
TELEFONICA S A SPONSORED ADR 879382208   244,589 60,692 SH   SOLE   0 0 60,692
TERRAN ORBITAL CORPORATION COM 88105P103   16,991 11,327 SH   SOLE   0 0 11,327
TESLA INC COM 88160R101   962,524 3,677 SH   SOLE   0 0 3,677
THE CIGNA GROUP COM 125523100   524,441 1,869 SH   SOLE   0 0 1,869
THE TRADE DESK INC COM CL A 88339J105   1,076,292 13,938 SH   SOLE   0 0 13,938
THERMO FISHER SCIENTIFIC INC COM 883556102   256,227 491 SH   SOLE   0 0 491
TJX COS INC NEW COM 872540109   760,638 8,971 SH   SOLE   0 0 8,971
T-MOBILE US INC COM 872590104   631,856 4,549 SH   SOLE   0 0 4,549
TOAST INC CL A 888787108   618,757 27,415 SH   SOLE   0 0 27,415
TRACTOR SUPPLY CO COM 892356106   339,389 1,535 SH   SOLE   0 0 1,535
TRANSUNION COM 89400J107   392,590 5,012 SH   SOLE   0 0 5,012
TYLER TECHNOLOGIES INC COM 902252105   309,854 744 SH   SOLE   0 0 744
UBER TECHNOLOGIES INC COM 90353T100   726,637 16,832 SH   SOLE   0 0 16,832
ULTA BEAUTY INC COM 90384S303   219,768 467 SH   SOLE   0 0 467
UNITEDHEALTH GROUP INC COM 91324P102   1,511,285 3,144 SH   SOLE   0 0 3,144
UNITI GROUP INC COM 91325V108   81,742 17,693 SH   SOLE   0 0 17,693
US BANCORP DEL COM NEW 902973304   316,127 9,568 SH   SOLE   0 0 9,568
VALMONT INDS INC COM 920253101   213,631 734 SH   SOLE   0 0 734
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   8,906,890 173,488 SH   SOLE   0 0 173,488
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   4,496,306 175,912 SH   SOLE   0 0 175,912
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   334,341 2,196 SH   SOLE   0 0 2,196
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   37,729,386 519,045 SH   SOLE   0 0 519,045
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   15,740,389 208,289 SH   SOLE   0 0 208,289
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   202,119 4,135 SH   SOLE   0 0 4,135
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,760,909 4,324 SH   SOLE   0 0 4,324
VANGUARD INDEX FDS SML CP GRW ETF 922908595   418,586 1,822 SH   SOLE   0 0 1,822
VANGUARD INDEX FDS GROWTH ETF 922908736   2,619,924 9,259 SH   SOLE   0 0 9,259
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   9,652,456 115,515 SH   SOLE   0 0 115,515
VANGUARD INDEX FDS SM CP VAL ETF 922908611   13,704,968 82,859 SH   SOLE   0 0 82,859
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   15,669,933 113,238 SH   SOLE   0 0 113,238
VANGUARD INDEX FDS TOTAL STK MKT 922908769   320,572,015 1,455,293 SH   SOLE   0 0 1,455,293
VANGUARD INDEX FDS SMALL CP ETF 922908751   32,046,473 161,126 SH   SOLE   0 0 161,126
VANGUARD INDEX FDS VALUE ETF 922908744   46,336,909 326,087 SH   SOLE   0 0 326,087
VANGUARD INDEX FDS MID CAP ETF 922908629   27,746,206 126,027 SH   SOLE   0 0 126,027
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   787,051 14,465 SH   SOLE   0 0 14,465
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   75,857,551 1,864,738 SH   SOLE   0 0 1,864,738
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   8,285,402 206,155 SH   SOLE   0 0 206,155
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   156,397,324 3,386,690 SH   SOLE   0 0 3,386,690
VANGUARD WORLD FD ESG US STK ETF 921910733   392,070 5,004 SH   SOLE   0 0 5,004
VEEVA SYS INC CL A COM 922475108   348,203 1,761 SH   SOLE   0 0 1,761
VERISK ANALYTICS INC COM 92345Y106   695,457 3,077 SH   SOLE   0 0 3,077
VERIZON COMMUNICATIONS INC COM 92343V104   760,466 20,448 SH   SOLE   0 0 20,448
VERTEX PHARMACEUTICALS INC COM 92532F100   555,314 1,578 SH   SOLE   0 0 1,578
VIAVI SOLUTIONS INC COM 925550105   229,886 20,290 SH   SOLE   0 0 20,290
VISA INC COM CL A 92826C839   1,536,155 6,469 SH   SOLE   0 0 6,469
VITESSE ENERGY INC COMMON STOCK 92852X103   289,923 12,943 SH   SOLE   0 0 12,943
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   265,375 28,082 SH   SOLE   0 0 28,082
WALMART INC COM 931142103   268,025 1,705 SH   SOLE   0 0 1,705
WATSCO INC COM 942622200   346,375 908 SH   SOLE   0 0 908
WERNER ENTERPRISES INC COM 950755108   213,036 4,822 SH   SOLE   0 0 4,822
WESCO INTL INC COM 95082P105   340,214 1,900 SH   SOLE   0 0 1,900
WEST PHARMACEUTICAL SVSC INC COM 955306105   420,717 1,100 SH   SOLE   0 0 1,100
WILLSCOT MOBIL MINI HLDNG CO COM CL A 971378104   386,812 8,094 SH   SOLE   0 0 8,094
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   5,705,282 113,380 SH   SOLE   0 0 113,380
WPP PLC NEW ADR 92937A102   355,190 6,794 SH   SOLE   0 0 6,794
YORK WTR CO COM 987184108   224,550 5,441 SH   SOLE   0 0 5,441
YUM CHINA HLDGS INC COM 98850P109   227,130 4,020 SH   SOLE   0 0 4,020
ZIONS BANCORPORATION N A COM 989701107   340,343 12,671 SH   SOLE   0 0 12,671
ZOETIS INC CL A 98978V103   469,100 2,724 SH   SOLE   0 0 2,724