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
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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   593,892 5,934 SH   SOLE 0 0 0 5,934
ABBOTT LABS COM 002824100   286,287 2,626 SH   SOLE 0 0 0 2,626
ABBVIE INC COM 00287Y109   351,194 2,607 SH   SOLE 0 0 0 2,607
ADOBE SYSTEMS INCORPORATED COM 00724F101   1,001,941 2,049 SH   SOLE 0 0 0 2,049
AFLAC INC COM 001055102   412,727 5,913 SH   SOLE 0 0 0 5,913
AIR PRODS & CHEMS INC COM 009158106   262,388 876 SH   SOLE 0 0 0 876
ALLSTATE CORP COM 020002101   349,364 3,204 SH   SOLE 0 0 0 3,204
ALPHABET INC CAP STK CL A 02079K305   819,825 6,849 SH   SOLE 0 0 0 6,849
ALPHABET INC CAP STK CL C 02079K107   687,835 5,686 SH   SOLE 0 0 0 5,686
ALTRIA GROUP INC COM 02209S103   967,653 21,361 SH   SOLE 0 0 0 21,361
AMAZON COM INC COM 023135106   468,713 3,596 SH   SOLE 0 0 0 3,596
AMERICAN EXPRESS CO COM 025816109   417,906 2,399 SH   SOLE 0 0 0 2,399
AMERICAN INTL GROUP INC COM NEW 026874784   425,451 7,394 SH   SOLE 0 0 0 7,394
AMERIPRISE FINL INC COM 03076C106   245,134 738 SH   SOLE 0 0 0 738
AMGEN INC COM 031162100   448,036 2,018 SH   SOLE 0 0 0 2,018
AON PLC SHS CL A G0403H108   462,568 1,340 SH   SOLE 0 0 0 1,340
APPLE INC COM 037833100   10,708,267 55,206 SH   SOLE 0 0 0 55,206
ARES CAPITAL CORP COM 04010L103   937,997 49,920 SH   SOLE 0 0 0 49,920
ASTRAZENECA PLC SPONSORED ADR 046353108   347,329 4,853 SH   SOLE 0 0 0 4,853
AUTOMATIC DATA PROCESSING IN COM 053015103   500,901 2,279 SH   SOLE 0 0 0 2,279
AUTOZONE INC COM 053332102   683,181 274 SH   SOLE 0 0 0 274
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   266,412 34,689 SH   SOLE 0 0 0 34,689
BANCO SANTANDER S.A. ADR 05964H105   91,763 24,734 SH   SOLE 0 0 0 24,734
BANK NEW YORK MELLON CORP COM 064058100   211,158 4,743 SH   SOLE 0 0 0 4,743
BARCLAYS PLC ADR 06738E204   164,581 20,939 SH   SOLE 0 0 0 20,939
BCE INC COM NEW 05534B760   261,869 5,744 SH   SOLE 0 0 0 5,744
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,216,006 3,566 SH   SOLE 0 0 0 3,566
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   211,512 1,400 SH Call SOLE 0 0 0 1,400
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   213,021 1,500 SH Call SOLE 0 0 0 1,500
BEST BUY INC COM 086516101   230,116 2,808 SH   SOLE 0 0 0 2,808
BIOGEN INC COM 09062X103   258,359 907 SH   SOLE 0 0 0 907
BLACKROCK INC COM 09247X101   241,899 350 SH   SOLE 0 0 0 350
BLACKSTONE INC COM 09260D107   698,963 7,518 SH   SOLE 0 0 0 7,518
BRISTOL-MYERS SQUIBB CO COM 110122108   229,069 3,582 SH   SOLE 0 0 0 3,582
BROADCOM INC COM 11135F101   270,638 312 SH   SOLE 0 0 0 312
BUILDERS FIRSTSOURCE INC COM 12008R107   694,280 5,105 SH   SOLE 0 0 0 5,105
CANADIAN NATL RY CO COM 136375102   691,673 5,713 SH   SOLE 0 0 0 5,713
CARDINAL HEALTH INC COM 14149Y108   347,166 3,671 SH   SOLE 0 0 0 3,671
CDW CORP COM 12514G108   343,512 1,872 SH   SOLE 0 0 0 1,872
CEMEX SAB DE CV SPON ADR NEW 151290889   90,879 12,836 SH   SOLE 0 0 0 12,836
CGI INC CL A SUB VTG 12532H104   514,182 4,877 SH   SOLE 0 0 0 4,877
CHEVRON CORP NEW COM 166764100   576,845 3,666 SH   SOLE 0 0 0 3,666
CHUNGHWA TELECOM CO LTD SPON ADR NEW11 17133Q502   891,268 23,901 SH   SOLE 0 0 0 23,901
CHURCH & DWIGHT CO INC COM 171340102   360,427 3,596 SH   SOLE 0 0 0 3,596
CISCO SYS INC COM 17275R102   1,505,272 29,093 SH   SOLE 0 0 0 29,093
CITIGROUP INC COM NEW 172967424   341,617 7,420 SH   SOLE 0 0 0 7,420
COCA COLA CO COM 191216100   294,501 4,890 SH   SOLE 0 0 0 4,890
COLGATE PALMOLIVE CO COM 194162103   591,975 7,684 SH   SOLE 0 0 0 7,684
COMCAST CORP NEW CL A 20030N101   306,247 7,371 SH   SOLE 0 0 0 7,371
COSTCO WHSL CORP NEW COM 22160K105   1,103,679 2,050 SH   SOLE 0 0 0 2,050
CRH PLC ADR 12626K203   373,670 6,705 SH   SOLE 0 0 0 6,705
DELL TECHNOLOGIES INC CL C 24703L202   256,481 4,740 SH   SOLE 0 0 0 4,740
DISCOVER FINL SVCS COM 254709108   239,309 2,048 SH   SOLE 0 0 0 2,048
DISNEY WALT CO COM 254687106   404,068 4,526 SH   SOLE 0 0 0 4,526
DOW INC COM 260557103   308,746 5,797 SH   SOLE 0 0 0 5,797
EA SERIES TRUST FREEDOM 100 EM 02072L607   13,458,930 429,243 SH   SOLE 0 0 0 429,243
EA SERIES TRUST US QUAN MOMENTUM 02072L409   4,353,378 93,698 SH   SOLE 0 0 0 93,698
EA SERIES TRUST INTL QUAN VALUE 02072L201   2,776,916 116,677 SH   SOLE 0 0 0 116,677
EA SERIES TRUST US QUAN VALUE 02072L102   4,975,326 143,796 SH   SOLE 0 0 0 143,796
EA SERIES TRUST INTL QUAN MOMNTM 02072L300   2,395,813 92,825 SH   SOLE 0 0 0 92,825
EQUITABLE HLDGS INC COM 29452E101   239,144 8,805 SH   SOLE 0 0 0 8,805
EXXON MOBIL CORP COM 30231G102   2,536,965 23,655 SH   SOLE 0 0 0 23,655
FAIR ISAAC CORP COM 303250104   661,934 818 SH   SOLE 0 0 0 818
FASTENAL CO COM 311900104   229,471 3,890 SH   SOLE 0 0 0 3,890
FERROGLOBE PLC SHS G33856108   62,501 13,103 SH   SOLE 0 0 0 13,103
FORD MTR CO DEL COM 345370860   185,025 12,229 SH   SOLE 0 0 0 12,229
FOX CORP CL A COM 35137L105   245,480 7,220 SH   SOLE 0 0 0 7,220
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   570,413 120,087 SH   SOLE 0 0 0 120,087
FS KKR CAP CORP COM 302635206   1,079,259 56,270 SH   SOLE 0 0 0 56,270
GARRETT MOTION INC COM 366505105   98,864 13,060 SH   SOLE 0 0 0 13,060
GENERAL DYNAMICS CORP COM 369550108   277,329 1,289 SH   SOLE 0 0 0 1,289
GENERAL ELECTRIC CO COM NEW 369604301   355,940 3,240 SH   SOLE 0 0 0 3,240
GENERAL MLS INC COM 370334104   349,599 4,558 SH   SOLE 0 0 0 4,558
GERDAU SA SPON ADR REP PFD 373737105   385,137 73,781 SH   SOLE 0 0 0 73,781
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   4,582,380 52,490 SH   SOLE 0 0 0 52,490
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   2,507,357 79,979 SH   SOLE 0 0 0 79,979
GRAINGER W W INC COM 384802104   330,419 419 SH   SOLE 0 0 0 419
HARTFORD FINL SVCS GROUP INC COM 416515104   291,609 4,049 SH   SOLE 0 0 0 4,049
HERSHEY CO COM 427866108   513,528 2,057 SH   SOLE 0 0 0 2,057
HEWLETT PACKARD ENTERPRISE C COM 42824C109   270,598 16,107 SH   SOLE 0 0 0 16,107
HIMAX TECHNOLOGIES INC SPONSORED ADR 43289P106   131,787 19,524 SH   SOLE 0 0 0 19,524
HOME DEPOT INC COM 437076102   1,248,421 4,019 SH   SOLE 0 0 0 4,019
HONDA MOTOR LTD AMERN SHS 438128308   371,601 12,260 SH   SOLE 0 0 0 12,260
HONEYWELL INTL INC COM 438516106   1,218,233 5,871 SH   SOLE 0 0 0 5,871
HOST HOTELS & RESORTS INC COM 44107P104   441,249 26,218 SH   SOLE 0 0 0 26,218
ILLINOIS TOOL WKS INC COM 452308109   386,247 1,544 SH   SOLE 0 0 0 1,544
INFOSYS LTD SPONSORED ADR 456788108   207,110 12,888 SH   SOLE 0 0 0 12,888
INNOVATOR ETFS TR US EQTY PWR BUF 45782C508   901,941 25,689 SH   SOLE 0 0 0 25,689
INNOVATOR ETFS TR US EQTY BUFR JAN 45782C409   910,936 24,150 SH   SOLE 0 0 0 24,150
INNOVATOR ETFS TR US EQTY BUFR JUL 45782C789   433,817 12,298 SH   SOLE 0 0 0 12,298
INNOVATOR ETFS TR US EQTY BUF SEP 45782C664   290,599 8,435 SH   SOLE 0 0 0 8,435
INNOVATOR ETFS TR US EQTY BUF DEC 45782C557   289,234 7,984 SH   SOLE 0 0 0 7,984
INNOVATOR ETFS TR INTRNL DEV JAN 45782C524   206,417 7,086 SH   SOLE 0 0 0 7,086
INNOVATOR ETFS TR US EQTY BUFR MAY 45782C326   343,310 10,803 SH   SOLE 0 0 0 10,803
INNOVATOR ETFS TR LADDERED ALC BFR 45783Y756   3,090,265 118,251 SH   SOLE 0 0 0 118,251
INTEL CORP COM 458140100   312,765 9,353 SH   SOLE 0 0 0 9,353
INTERPUBLIC GROUP COS INC COM 460690100   201,542 5,224 SH   SOLE 0 0 0 5,224
INVESCO CURRENCYSHARES EURO EURO SHS 46138K103   1,119,898 11,109 SH   SOLE 0 0 0 11,109
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743   1,201,016 26,713 SH   SOLE 0 0 0 26,713
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727   2,274,061 121,999 SH   SOLE 0 0 0 121,999
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597   515,318 2,999 SH   SOLE 0 0 0 2,999
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   411,726 1,400 SH   SOLE 0 0 0 1,400
ISHARES INC CORE MSCI EMKT 46434G103   419,540 8,512 SH   SOLE 0 0 0 8,512
ISHARES TR CORE MSCI EAFE 46432F842   291,356 4,316 SH   SOLE 0 0 0 4,316
ISHARES TR MSCI USA MIN VOL 46429B697   790,980 10,641 SH   SOLE 0 0 0 10,641
ISHARES TR SHRT NAT MUN ETF 464288158   7,123,681 68,471 SH   SOLE 0 0 0 68,471
ISHARES TR IBONDS DEC2023 46435G318   275,577 10,811 SH   SOLE 0 0 0 10,811
ISHARES TR MSCI INTL VLU FT 46435G409   15,766,129 619,494 SH   SOLE 0 0 0 619,494
ISHARES TR MSCI INTL MOMENT 46434V449   9,975,584 300,469 SH   SOLE 0 0 0 300,469
ISHARES TR MSCI INTL QUALTY 46434V456   11,673,095 327,896 SH   SOLE 0 0 0 327,896
ISHARES TR BLACKROCK ULTRA 46434V878   4,445,715 88,384 SH   SOLE 0 0 0 88,384
ISHARES TR IBONDS DEC23 ETF 46434VAX8   272,550 10,777 SH   SOLE 0 0 0 10,777
ISHARES TR IBONDS DEC24 ETF 46434VBG4   425,191 17,270 SH   SOLE 0 0 0 17,270
ISHARES TR MSCI USA VALUE 46432F388   34,596,301 368,870 SH   SOLE 0 0 0 368,870
ISHARES TR MSCI USA MMENTM 46432F396   24,038,054 166,642 SH   SOLE 0 0 0 166,642
ISHARES TR MSCI USA QLT FCT 46432F339   27,601,692 204,654 SH   SOLE 0 0 0 204,654
ISHARES TR IBONDS 23 TRM TS 46436E882   200,738 8,091 SH   SOLE 0 0 0 8,091
ISHARES TR EAFE VALUE ETF 464288877   6,436,638 131,521 SH   SOLE 0 0 0 131,521
ISHARES TR EAFE GRWTH ETF 464288885   5,938,223 62,239 SH   SOLE 0 0 0 62,239
ISHARES TR CORE S&P SCP ETF 464287804   275,532 2,765 SH   SOLE 0 0 0 2,765
ISHARES TR CORE S&P500 ETF 464287200   228,204 512 SH   SOLE 0 0 0 512
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   12,794,141 256,447 SH   SOLE 0 0 0 256,447
J & J SNACK FOODS CORP COM 466032109   783,882 4,950 SH   SOLE 0 0 0 4,950
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209   299,896 5,775 SH   SOLE 0 0 0 5,775
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   275,118 5,487 SH   SOLE 0 0 0 5,487
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   2,833,566 63,992 SH   SOLE 0 0 0 63,992
J P MORGAN EXCHANGE TRADED F US MOMENTUM 46641Q779   2,826,327 66,706 SH   SOLE 0 0 0 66,706
J P MORGAN EXCHANGE TRADED F US VALUE FACTR 46641Q753   4,151,725 116,360 SH   SOLE 0 0 0 116,360
J P MORGAN EXCHANGE TRADED F JPMORGAN DIVER 46641Q407   273,469 2,797 SH   SOLE 0 0 0 2,797
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   19,184,959 378,775 SH   SOLE 0 0 0 378,775
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   27,274,260 492,938 SH   SOLE 0 0 0 492,938
JABIL INC COM 466313103   349,801 3,241 SH   SOLE 0 0 0 3,241
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886   2,454,303 51,356 SH   SOLE 0 0 0 51,356
JOHN HANCOCK EXCHANGE TRADED MLTFCTR LRG CAP 47804J107   395,922 7,213 SH   SOLE 0 0 0 7,213
JOHNSON & JOHNSON COM 478160104   2,191,809 13,242 SH   SOLE 0 0 0 13,242
JPMORGAN CHASE & CO COM 46625H100   522,670 3,594 SH   SOLE 0 0 0 3,594
KIMBERLY-CLARK CORP COM 494368103   712,942 5,164 SH   SOLE 0 0 0 5,164
KLA CORP COM NEW 482480100   392,381 809 SH   SOLE 0 0 0 809
KROGER CO COM 501044101   331,820 7,060 SH   SOLE 0 0 0 7,060
LEXINFINTECH HLDGS LTD ADR 528877103   38,939 17,004 SH   SOLE 0 0 0 17,004
LILLY ELI & CO COM 532457108   1,933,605 4,123 SH   SOLE 0 0 0 4,123
LOCKHEED MARTIN CORP COM 539830109   824,080 1,790 SH   SOLE 0 0 0 1,790
LOWES COS INC COM 548661107   276,257 1,224 SH   SOLE 0 0 0 1,224
MARATHON PETE CORP COM 56585A102   332,660 2,853 SH   SOLE 0 0 0 2,853
MARSH & MCLENNAN COS INC COM 571748102   497,095 2,643 SH   SOLE 0 0 0 2,643
MCDONALDS CORP COM 580135101   201,169 674 SH   SOLE 0 0 0 674
MCKESSON CORP COM 58155Q103   923,844 2,162 SH   SOLE 0 0 0 2,162
MERCK & CO INC COM 58933Y105   2,014,940 17,462 SH   SOLE 0 0 0 17,462
META PLATFORMS INC CL A 30303M102   341,662 1,191 SH   SOLE 0 0 0 1,191
MICROSOFT CORP COM 594918104   4,940,157 14,507 SH   SOLE 0 0 0 14,507
MID-AMER APT CMNTYS INC COM 59522J103   362,990 2,390 SH   SOLE 0 0 0 2,390
MONDELEZ INTL INC CL A 609207105   927,870 12,721 SH   SOLE 0 0 0 12,721
NATWEST GROUP PLC SPONS ADR 639057207   98,244 16,053 SH   SOLE 0 0 0 16,053
NEWPARK RES INC COM PAR $.01NEW 651718504   171,774 32,844 SH   SOLE 0 0 0 32,844
NEXTERA ENERGY INC COM 65339F101   245,973 3,315 SH   SOLE 0 0 0 3,315
NOVARTIS AG SPONSORED ADR 66987V109   1,035,841 10,265 SH   SOLE 0 0 0 10,265
NOVO-NORDISK A S ADR 670100205   1,319,885 8,156 SH   SOLE 0 0 0 8,156
NVIDIA CORPORATION COM 67066G104   625,270 1,478 SH   SOLE 0 0 0 1,478
NVR INC COM 62944T105   292,129 46 SH   SOLE 0 0 0 46
OPENLANE INC COM 48238T109   584,448 38,400 SH   SOLE 0 0 0 38,400
ORACLE CORP COM 68389X105   1,412,372 11,860 SH   SOLE 0 0 0 11,860
ORANGE SPONSORED ADR 684060106   144,150 12,384 SH   SOLE 0 0 0 12,384
OREILLY AUTOMOTIVE INC COM 67103H107   873,144 914 SH   SOLE 0 0 0 914
ORIX CORP SPONSORED ADR 686330101   239,426 2,625 SH   SOLE 0 0 0 2,625
OWLET INC COM CL A 69120X107   41,565 122,214 SH   SOLE 0 0 0 122,214
P T TELEKOMUNIKASI INDONESIA SPONSORED ADR 715684106   552,656 20,722 SH   SOLE 0 0 0 20,722
PACER FDS TR TRENDPILOT INTL 69374H683   1,140,265 41,570 SH   SOLE 0 0 0 41,570
PACER FDS TR TRENDP US LAR CP 69374H105   2,230,778 54,014 SH   SOLE 0 0 0 54,014
PARATEK PHARMACEUTICALS INC COM 699374302   66,300 30,000 SH   SOLE 0 0 0 30,000
PAYCHEX INC COM 704326107   207,407 1,854 SH   SOLE 0 0 0 1,854
PEPSICO INC COM 713448108   2,053,534 11,087 SH   SOLE 0 0 0 11,087
PETROLEO BRASILEIRO SA PETRO SPONSORED ADR 71654V408   236,562 17,105 SH   SOLE 0 0 0 17,105
PFIZER INC COM 717081103   266,499 7,266 SH   SOLE 0 0 0 7,266
PGIM ETF TR PGIM ULTRA SH BD 69344A107   4,471,061 90,489 SH   SOLE 0 0 0 90,489
PHILIP MORRIS INTL INC COM 718172109   502,938 5,152 SH   SOLE 0 0 0 5,152
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   42,795,447 428,984 SH   SOLE 0 0 0 428,984
PIMCO ETF TR SHTRM MUN BD ACT 72201R874   5,105,998 103,089 SH   SOLE 0 0 0 103,089
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   20,914,930 223,114 SH   SOLE 0 0 0 223,114
PROCTER AND GAMBLE CO COM 742718109   1,489,935 9,819 SH   SOLE 0 0 0 9,819
PROSPECT CAP CORP COM 74348T102   293,055 47,267 SH   SOLE 0 0 0 47,267
PUBLIC STORAGE COM 74460D109   216,867 743 SH   SOLE 0 0 0 743
RAYTHEON TECHNOLOGIES CORP COM 75513E101   317,586 3,242 SH   SOLE 0 0 0 3,242
RELIANCE STEEL & ALUMINUM CO COM 759509102   224,605 827 SH   SOLE 0 0 0 827
RELX PLC SPONSORED ADR 759530108   882,485 26,398 SH   SOLE 0 0 0 26,398
REPUBLIC SVCS INC COM 760759100   353,823 2,310 SH   SOLE 0 0 0 2,310
ROYAL BK CDA COM 780087102   331,611 3,472 SH   SOLE 0 0 0 3,472
S&P GLOBAL INC COM 78409V104   374,030 933 SH   SOLE 0 0 0 933
SAP SE SPON ADR 803054204   318,220 2,326 SH   SOLE 0 0 0 2,326
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   13,748,327 272,514 SH   SOLE 0 0 0 272,514
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   6,840,247 255,519 SH   SOLE 0 0 0 255,519
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   1,121,377 34,728 SH   SOLE 0 0 0 34,728
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,773,748 112,617 SH   SOLE 0 0 0 112,617
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   809,132 11,142 SH   SOLE 0 0 0 11,142
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   7,081,903 198,651 SH   SOLE 0 0 0 198,651
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,596,190 49,574 SH   SOLE 0 0 0 49,574
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   217,817 4,973 SH   SOLE 0 0 0 4,973
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   754,596 10,068 SH   SOLE 0 0 0 10,068
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   468,645 6,985 SH   SOLE 0 0 0 6,985
SIMPLIFY EXCHANGE TRADED FUN US EQT PLS DWNSD 82889N202   723,487 26,492 SH   SOLE 0 0 0 26,492
SYNCHRONY FINANCIAL COM 87165B103   269,427 7,943 SH   SOLE 0 0 0 7,943
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   636,906 6,311 SH   SOLE 0 0 0 6,311
TELEFONICA BRASIL SA NEW ADR 87936R205   163,938 17,956 SH   SOLE 0 0 0 17,956
TESLA INC COM 88160R101   226,533 865 SH   SOLE 0 0 0 865
THE CIGNA GROUP COM 125523100   218,587 779 SH   SOLE 0 0 0 779
THE LION ELECTRIC COMPANY COMMON STOCK 536221104   1,303 36,400 SH Call SOLE 0 0 0 36,400
TRAVELERS COMPANIES INC COM 89417E109   420,778 2,423 SH   SOLE 0 0 0 2,423
TURKCELL ILETISIM HIZMETLERI SPON ADR NEW 900111204   104,626 29,307 SH   SOLE 0 0 0 29,307
UBS GROUP AG SHS H42097107   552,033 27,234 SH   SOLE 0 0 0 27,234
UNION PAC CORP COM 907818108   686,705 3,356 SH   SOLE 0 0 0 3,356
UNITEDHEALTH GROUP INC COM 91324P102   1,744,243 3,629 SH   SOLE 0 0 0 3,629
VALERO ENERGY CORP COM 91913Y100   247,386 2,109 SH   SOLE 0 0 0 2,109
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   315,468 4,340 SH   SOLE 0 0 0 4,340
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   46,434,127 944,551 SH   SOLE 0 0 0 944,551
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   972,958 2,389 SH   SOLE 0 0 0 2,389
VANGUARD INDEX FDS LARGE CAP ETF 922908637   26,793,344 132,169 SH   SOLE 0 0 0 132,169
VANGUARD INDEX FDS GROWTH ETF 922908736   6,834,509 24,154 SH   SOLE 0 0 0 24,154
VANGUARD INDEX FDS SMALL CP ETF 922908751   7,577,674 38,100 SH   SOLE 0 0 0 38,100
VANGUARD INDEX FDS VALUE ETF 922908744   6,624,029 46,615 SH   SOLE 0 0 0 46,615
VANGUARD INDEX FDS SM CP VAL ETF 922908611   841,502 5,088 SH   SOLE 0 0 0 5,088
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,868,474 13,022 SH   SOLE 0 0 0 13,022
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   246,695 4,534 SH   SOLE 0 0 0 4,534
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   14,218,843 349,529 SH   SOLE 0 0 0 349,529
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   257,776 1,587 SH   SOLE 0 0 0 1,587
VANGUARD STAR FDS VG TL INTL STK F 921909768   446,550 7,963 SH   SOLE 0 0 0 7,963
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   29,478,226 638,333 SH   SOLE 0 0 0 638,333
VANGUARD WELLINGTON FD US VALUE FACTR 921935805   246,335 2,472 SH   SOLE 0 0 0 2,472
VERISK ANALYTICS INC COM 92345Y106   309,661 1,370 SH   SOLE 0 0 0 1,370
VERIZON COMMUNICATIONS INC COM 92343V104   315,111 8,473 SH   SOLE 0 0 0 8,473
VIATRIS INC COM 92556V106   443,172 44,406 SH   SOLE 0 0 0 44,406
VIPSHOP HOLDINGS LIMITED SPONSORED ADS A 92763W103   388,014 23,516 SH   SOLE 0 0 0 23,516
VISA INC COM CL A 92826C839   1,924,625 8,104 SH   SOLE 0 0 0 8,104
WALKER & DUNLOP INC COM 93148P102   14,370,890 181,703 SH   SOLE 0 0 0 181,703
WALMART INC COM 931142103   1,592,869 10,134 SH   SOLE 0 0 0 10,134
WASTE MGMT INC DEL COM 94106L109   688,252 3,969 SH   SOLE 0 0 0 3,969
WELLS FARGO CO NEW COM 949746101   258,769 6,063 SH   SOLE 0 0 0 6,063
WISDOMTREE TR INTL QULTY DIV 97717X131   4,450,830 129,347 SH   SOLE 0 0 0 129,347
WP CAREY INC COM 92936U109   331,517 4,907 SH   SOLE 0 0 0 4,907
ZOETIS INC CL A 98978V103   608,246 3,532 SH   SOLE 0 0 0 3,532