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
AMAZON COM INC COM Stock 023135106   3,245,504 38,637 SH   SOLE   38,636 0 0
BLACKROCK SHORT MATURITY MUNICIPAL BOND ETF ETF 46431W838   1,109,536 22,316 SH   SOLE   22,315 0 0
PRUDENTIAL FINL INC COM Stock 744320102   264,888 2,663 SH   SOLE   2,663 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   24,046,533 193,238 SH   SOLE   193,237 0 0
STARBUCKS CORP COM Stock 855244109   1,022,777 10,310 SH   SOLE   10,310 0 0
SEMPRA COM Stock 816851109   269,146 1,742 SH   SOLE   1,741 0 0
ELEVANCE HEALTH INC COM Stock 036752103   553,723 1,079 SH   SOLE   1,079 0 0
DOLLAR GEN CORP NEW COM Stock 256677105   502,152 2,039 SH   SOLE   2,039 0 0
SPDR PORTFOLIO S&P 500 HIGH DIVIDEND ETF ETF 78468R788   210,964 5,330 SH   SOLE   5,330 0 0
MONSTER BEVERAGE CORP NEW COM Stock 61174X109   248,952 2,452 SH   SOLE   2,452 0 0
JOHNSON & JOHNSON COM Stock 478160104   2,751,707 15,577 SH   SOLE   15,577 0 0
WASTE MGMT INC DEL COM Stock 94106L109   741,283 4,725 SH   SOLE   4,725 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   24,332,378 127,268 SH   SOLE   127,268 0 0
DEXCOM INC COM Stock 252131107   206,323 1,822 SH   SOLE   1,822 0 0
COSTCO WHSL CORP NEW COM Stock 22160K105   590,047 1,293 SH   SOLE   1,292 0 0
HCA HEALTHCARE INC COM Stock 40412C101   237,522 990 SH   SOLE   989 0 0
GOLDMAN SACHS GROUP INC COM Stock 38141G104   666,918 1,942 SH   SOLE   1,942 0 0
YUM BRANDS INC COM Stock 988498101   2,017,803 15,754 SH   SOLE   15,754 0 0
REAL ESTATE SELECT SECTOR SPDR FUND ETF 81369Y860   3,332,410 90,236 SH   SOLE   90,235 0 0
PROCTER AND GAMBLE CO COM Stock 742718109   3,902,450 25,749 SH   SOLE   25,748 0 0
COCA COLA CO COM Stock 191216100   762,056 11,980 SH   SOLE   11,980 0 0
GENERAL MLS INC COM Stock 370334104   211,639 2,524 SH   SOLE   2,524 0 0
TRUIST FINL CORP COM Stock 89832Q109   510,531 11,865 SH   SOLE   11,864 0 0
UNITED PARCEL SERVICE INC CL B Stock 911312106   515,062 2,963 SH   SOLE   2,962 0 0
MARRIOTT INTL INC NEW CL A Stock 571903202   226,762 1,523 SH   SOLE   1,523 0 0
VANGUARD REAL ESTATE ETF ETF 922908553   685,948 8,317 SH   SOLE   8,316 0 0
ISHARES MSCI USA ESG SELECT ETF ETF 464288802   412,511 5,011 SH   SOLE   5,011 0 0
ISHARES MSCI ACWI EX U.S. ETF ETF 464288240   1,165,871 25,624 SH   SOLE   25,623 0 0
INTEL CORP COM Stock 458140100   1,925,777 72,863 SH   SOLE   72,863 0 0
MEDTRONIC PLC SHS Stock G5960L103   317,772 4,089 SH   SOLE   4,088 0 0
FORTIVE CORP COM Stock 34959J108   1,165,691 18,143 SH   SOLE   18,143 0 0
NETFLIX INC COM Stock 64110L106   1,027,067 3,483 SH   SOLE   3,483 0 0
SPDR MSCI USA STRATEGICFACTORS ETF ETF 78468R812   275,665 2,499 SH   SOLE   2,499 0 0
ISHARES MSCI UNITED KINGDOM ETF ETF 46435G334   209,561 6,835 SH   SOLE   6,835 0 0
WELLS FARGO CO NEW PERP PFD CNV A Convertible Preferred 949746804   502,440 424 SH   SOLE   424 0 0
PROLOGIS INC. COM REIT 74340W103   515,765 4,575 SH   SOLE   4,575 0 0
MERCK & CO INC COM Stock 58933Y105   3,734,560 33,660 SH   SOLE   33,659 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158   352,745 3,383 SH   SOLE   3,383 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   35,747,761 93,475 SH   SOLE   93,475 0 0
MASTERCARD INCORPORATED CL A Stock 57636Q104   5,462,713 15,710 SH   SOLE   15,709 0 0
FIRST REP BK SAN FRANCISCO CAL COM Stock 33616C100   5,906,848 48,460 SH   SOLE   48,460 0 0
ILLINOIS TOOL WKS INC COM Stock 452308109   367,620 1,669 SH   SOLE   1,668 0 0
ALLSTATE CORP COM Stock 020002101   5,830,262 42,996 SH   SOLE   42,996 0 0
DIAGEO PLC SPON ADR NEW ADR 25243Q205   223,876 1,256 SH   SOLE   1,256 0 0
ISHARES TIPS BOND ETF ETF 464287176   1,357,110 12,750 SH   SOLE   12,750 0 0
VERTEX PHARMACEUTICALS INC COM Stock 92532F100   236,800 820 SH   SOLE   820 0 0
LIONS GATE ENTMNT CORP CL B NON VTG Stock 535919500   229,418 42,250 SH   SOLE   42,250 0 0
CORNING INC COM Stock 219350105   489,760 15,334 SH   SOLE   15,333 0 0
JPMORGAN HIGH YIELD RESEARCH ENHANCED ETF ETF 46641Q878   584,499 13,333 SH   SOLE   13,332 0 0
BANK NEW YORK MELLON CORP COM Stock 064058100   366,976 8,062 SH   SOLE   8,061 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104   1,464,664 37,174 SH   SOLE   37,174 0 0
CHUBB LIMITED COM Stock H1467J104   389,429 1,765 SH   SOLE   1,765 0 0
PEPSICO INC COM Stock 713448108   1,476,806 8,175 SH   SOLE   8,174 0 0
KIMBERLY-CLARK CORP COM Stock 494368103   315,729 2,326 SH   SOLE   2,325 0 0
HONEYWELL INTL INC COM Stock 438516106   509,145 2,376 SH   SOLE   2,375 0 0
FORD MTR CO DEL COM Stock 345370860   171,761 14,769 SH   SOLE   14,768 0 0
US BANCORP DEL COM NEW Stock 902973304   565,085 12,958 SH   SOLE   12,957 0 0
HOME DEPOT INC COM Stock 437076102   4,239,768 13,423 SH   SOLE   13,422 0 0
BAXTER INTL INC COM Stock 071813109   893,200 17,524 SH   SOLE   17,524 0 0
AUTOMATIC DATA PROCESSING INC COM Stock 053015103   696,055 2,914 SH   SOLE   2,914 0 0
DUPONT DE NEMOURS INC COM Stock 26614N102   463,144 6,748 SH   SOLE   6,748 0 0
ISHARES RUSSELL 2000 VALUE ETF ETF 464287630   502,956 3,627 SH   SOLE   3,627 0 0
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   33,672,543 247,866 SH   SOLE   247,865 0 0
SOUTHERN CO COM Stock 842587107   297,665 4,168 SH   SOLE   4,168 0 0
BECTON DICKINSON & CO COM Stock 075887109   1,647,136 6,477 SH   SOLE   6,477 0 0
REGIONS FINANCIAL CORP NEW COM Stock 7591EP100   398,557 18,486 SH   SOLE   18,485 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   28,517,186 133,109 SH   SOLE   133,108 0 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308   11,498,516 154,239 SH   SOLE   154,238 0 0
SPDR PORTFOLIO S&P 400 MID CAP ETF ETF 78464A847   631,253 14,853 SH   SOLE   14,853 0 0
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837   2,651,149 52,885 SH   SOLE   52,885 0 0
AON PLC SHS CL A Stock G0403H108   323,592 1,078 SH   SOLE   1,078 0 0
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474   963,517 32,795 SH   SOLE   32,795 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   16,626,645 175,683 SH   SOLE   175,683 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   3,341,371 10,817 SH   SOLE   10,817 0 0
CARTERS INC COM Stock 146229109   367,454 4,925 SH   SOLE   4,925 0 0
ADOBE SYSTEMS INCORPORATED COM Stock 00724F101   996,802 2,962 SH   SOLE   2,962 0 0
VANGUARD SHORT-TERM CORPORATE BOND ETF ETF 92206C409   2,769,202 36,829 SH   SOLE   36,829 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870   842,693 10,872 SH   SOLE   10,872 0 0
ALPHABET INC CAP STK CL A Stock 02079K305   3,552,934 40,269 SH   SOLE   40,269 0 0
PROGRESSIVE CORP COM Stock 743315103   278,548 2,147 SH   SOLE   2,147 0 0
VANGUARD U.S. VALUE FACTOR ETF ETF 921935805   493,350 5,000 SH   SOLE   5,000 0 0
VANGUARD U.S. MOMENTUM FACTOR ETF ETF 921935508   421,338 3,694 SH   SOLE   3,694 0 0
FISERV INC COM Stock 337738108   5,416,341 53,590 SH   SOLE   53,590 0 0
INTUIT COM Stock 461202103   347,673 893 SH   SOLE   893 0 0
UNILEVER PLC SPON ADR NEW ADR 904767704   1,327,889 26,373 SH   SOLE   26,373 0 0
CSX CORP COM Stock 126408103   251,599 8,121 SH   SOLE   8,121 0 0
GRAPHIC PACKAGING HLDG CO COM Stock 388689101   394,275 17,720 SH   SOLE   17,720 0 0
SENSATA TECHNOLOGIES HLDG PLC SHS Stock G8060N102   342,153 8,473 SH   SOLE   8,473 0 0
COMCAST CORP NEW CL A Stock 20030N101   716,230 20,481 SH   SOLE   20,481 0 0
MICROSOFT CORP COM Stock 594918104   14,295,062 59,607 SH   SOLE   59,607 0 0
SS&C TECHNOLOGIES HLDGS INC COM Stock 78467J100   410,351 7,882 SH   SOLE   7,882 0 0
VALERO ENERGY CORP COM Stock 91913Y100   5,291,465 41,711 SH   SOLE   41,711 0 0
SCHLUMBERGER LTD COM STK Stock 806857108   306,488 5,733 SH   SOLE   5,733 0 0
CVS HEALTH CORP COM Stock 126650100   669,655 7,186 SH   SOLE   7,185 0 0
DTE ENERGY CO COM Stock 233331107   1,034,054 8,798 SH   SOLE   8,798 0 0
SPROTT PHYSICAL GOLD TR UNIT CEF 85207H104   291,574 20,679 SH   SOLE   20,679 0 0
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND ETF 81369Y852   9,201,917 191,747 SH   SOLE   191,746 0 0
SIMON PPTY GROUP INC NEW COM REIT 828806109   284,816 2,424 SH   SOLE   2,424 0 0
TILRAY BRANDS INC COM CL 2 Stock 88688T100   74,147 27,564 SH   SOLE   27,564 0 0
AMERIPRISE FINL INC COM Stock 03076C106   1,544,936 4,962 SH   SOLE   4,961 0 0
VANGUARD INTERMEDIATE-TERM TREASURY ETF ETF 92206C706   1,025,682 17,539 SH   SOLE   17,539 0 0
ARES CAPITAL CORP COM CEF 04010L103   8,404,053 455,011 SH   SOLE   455,011 0 0
BERKSHIRE HATHAWAY INC DEL CL A Stock 084670108   1,406,133 3 SH   SOLE   3 0 0
ELANCO ANIMAL HEALTH INC COM Stock 28414H103   341,415 27,939 SH   SOLE   27,939 0 0
BOEING CO COM Stock 097023105   311,642 1,636 SH   SOLE   1,636 0 0
VANGUARD SMALL-CAP ETF ETF 922908751   2,323,572 12,660 SH   SOLE   12,659 0 0
VANGUARD MID-CAP ETF ETF 922908629   3,146,611 15,439 SH   SOLE   15,438 0 0
NEXTERA ENERGY INC COM Stock 65339F101   775,070 9,271 SH   SOLE   9,271 0 0
NIKE INC CL B Stock 654106103   690,667 5,903 SH   SOLE   5,902 0 0
ALIGN TECHNOLOGY INC COM Stock 016255101   226,718 1,075 SH   SOLE   1,075 0 0
URBAN OUTFITTERS INC COM Stock 917047102   241,124 10,110 SH   SOLE   10,110 0 0
TESLA INC COM Stock 88160R101   801,779 6,509 SH   SOLE   6,509 0 0
MSCI INC COM Stock 55354G100   267,020 574 SH   SOLE   574 0 0
LINDE PLC SHS Stock G5494J103   481,955 1,478 SH   SOLE   1,477 0 0
BAIN CAP SPECIALTY FIN INC COM STK CEF 05684B107   300,517 25,253 SH   SOLE   25,253 0 0
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605   14,322,986 418,801 SH   SOLE   418,800 0 0
MODERNA INC COM Stock 60770K107   250,031 1,392 SH   SOLE   1,392 0 0
NORFOLK SOUTHN CORP COM Stock 655844108   467,079 1,895 SH   SOLE   1,895 0 0
ALERIAN MLP ETF ETF 00162Q452   697,121 18,312 SH   SOLE   18,311 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874   401,563 7,243 SH   SOLE   7,243 0 0
VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702   385,847 1,208 SH   SOLE   1,208 0 0
WALGREENS BOOTS ALLIANCE INC COM Stock 931427108   383,127 10,255 SH   SOLE   10,255 0 0
INTERNATIONAL FLAVORS&FRAGRANC COM Stock 459506101   251,406 2,398 SH   SOLE   2,398 0 0
HANESBRANDS INC COM Stock 410345102   185,254 29,128 SH   SOLE   29,128 0 0
VANGUARD S&P 500 ETF ETF 922908363   2,979,462 8,480 SH   SOLE   8,480 0 0
BROWN FORMAN CORP CL A Stock 115637100   272,641 4,146 SH   SOLE   4,146 0 0
FIFTH THIRD BANCORP COM Stock 316773100   1,277,785 38,945 SH   SOLE   38,944 0 0
WISDOMTREE EUROPE HEDGED EQUITY FUND ETF 97717X701   389,817 5,572 SH   SOLE   5,572 0 0
SPDR S&P MIDCAP 400 ETF TRUST ETF 78467Y107   1,620,611 3,660 SH   SOLE   3,660 0 0
ILLUMINA INC COM Stock 452327109   338,685 1,675 SH   SOLE   1,675 0 0
GENERAL MTRS CO COM Stock 37045V100   504,667 15,002 SH   SOLE   15,002 0 0
HUNTINGTON BANCSHARES INC COM Stock 446150104   261,257 18,529 SH   SOLE   18,528 0 0
AMCOR PLC ORD Stock G0250X107   134,853 11,323 SH   SOLE   11,322 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357   1,059,375 7,500 SH   SOLE   7,500 0 0
JPMORGAN CORPORATE BOND RESEARCH ENHANCED ETF ETF 46641Q449   935,729 21,029 SH   SOLE   21,029 0 0
OWL ROCK CAPITAL CORPORATION COM CEF 69121K104   4,263,532 369,137 SH   SOLE   369,137 0 0
LILLY ELI & CO COM Stock 532457108   1,336,255 3,653 SH   SOLE   3,652 0 0
AIR PRODS & CHEMS INC COM Stock 009158106   494,919 1,606 SH   SOLE   1,605 0 0
WISDOMTREE CLOUD COMPUTING FUND ETF 97717Y691   334,718 13,346 SH   SOLE   13,346 0 0
GRANITESHARES XOUT US LARGE CAP ETF ETF 38747R603   537,289 16,583 SH   SOLE   16,583 0 0
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768   237,739 4,597 SH   SOLE   4,596 0 0
ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473   765,295 7,265 SH   SOLE   7,265 0 0
VANGUARD MORTGAGE-BACKED SECURITIES ETF ETF 92206C771   380,365 8,356 SH   SOLE   8,356 0 0
VANGUARD S&P 500 GROWTH ETF ETF 921932505   423,854 2,009 SH   SOLE   2,009 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655   1,879,192 10,778 SH   SOLE   10,777 0 0
ISHARES CORE HIGH DIVIDEND ETF ETF 46429B663   10,771,535 103,334 SH   SOLE   103,333 0 0
DUKE ENERGY CORP NEW COM NEW Stock 26441C204   279,287 2,712 SH   SOLE   2,711 0 0
MICRON TECHNOLOGY INC COM Stock 595112103   420,730 8,418 SH   SOLE   8,417 0 0
CARRIER GLOBAL CORPORATION COM Stock 14448C104   592,871 14,373 SH   SOLE   14,372 0 0
FREEPORT-MCMORAN INC CL B Stock 35671D857   237,704 6,255 SH   SOLE   6,255 0 0
JPMORGAN EQUITY PREMIUM INCOME ETF ETF 46641Q332   15,710,896 288,326 SH   SOLE   288,326 0 0
ROYALTY PHARMA PLC SHS CLASS A Stock G7709Q104   1,737,892 43,975 SH   SOLE   43,975 0 0
AMERICAN ELEC PWR CO INC COM Stock 025537101   1,969,444 20,742 SH   SOLE   20,741 0 0
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481   1,237,782 14,806 SH   SOLE   14,806 0 0
MARATHON PETE CORP COM Stock 56585A102   228,720 1,965 SH   SOLE   1,965 0 0
VANGUARD FTSE PACIFIC ETF ETF 922042866   1,175,826 18,272 SH   SOLE   18,272 0 0
FIRST TRUST CLOUD COMPUTING ETF ETF 33734X192   417,500 7,247 SH   SOLE   7,247 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611   407,906 2,569 SH   SOLE   2,568 0 0
PALANTIR TECHNOLOGIES INC CL A Stock 69608A108   64,309 10,017 SH   SOLE   10,017 0 0
REGENERON PHARMACEUTICALS COM Stock 75886F107   717,161 994 SH   SOLE   994 0 0
AIRBNB INC COM CL A Stock 009066101   262,143 3,066 SH   SOLE   3,066 0 0
VANGUARD MID-CAP GROWTH ETF ETF 922908538   609,926 3,393 SH   SOLE   3,393 0 0
WHEELS UP EXPERIENCE INC COM CL A Stock 96328L106   20,625 20,024 SH   SOLE   20,024 0 0
VISA INC COM CL A Stock 92826C839   1,883,788 9,067 SH   SOLE   9,067 0 0
HERSHEY CO COM Stock 427866108   835,833 3,609 SH   SOLE   3,609 0 0
ISHARES CMBS ETF ETF 46429B366   500,240 10,896 SH   SOLE   10,896 0 0
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595   373,799 1,864 SH   SOLE   1,863 0 0
VANGUARD VALUE ETF ETF 922908744   302,918 2,158 SH   SOLE   2,158 0 0
ENPHASE ENERGY INC COM Stock 29355A107   211,703 799 SH   SOLE   799 0 0
AMERICAN TOWER CORP NEW COM REIT 03027X100   201,053 949 SH   SOLE   948 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150   369,982 4,363 SH   SOLE   4,363 0 0
META PLATFORMS INC CL A Stock 30303M102   1,309,540 10,882 SH   SOLE   10,882 0 0
SERVICENOW INC COM Stock 81762P102   701,216 1,806 SH   SOLE   1,806 0 0
PALO ALTO NETWORKS INC COM Stock 697435105   376,618 2,699 SH   SOLE   2,699 0 0
MONDELEZ INTL INC CL A Stock 609207105   717,638 10,767 SH   SOLE   10,767 0 0
BROADCOM INC COM Stock 11135F101   3,852,788 6,891 SH   SOLE   6,890 0 0
EATON VANCE TAX MNGED BUY WRIT COM CEF 27828X100   136,392 10,372 SH   SOLE   10,372 0 0
D R HORTON INC COM Stock 23331A109   335,831 3,767 SH   SOLE   3,767 0 0
METLIFE INC COM Stock 59156R108   202,165 2,793 SH   SOLE   2,793 0 0
MARTIN MARIETTA MATLS INC COM Stock 573284106   407,618 1,206 SH   SOLE   1,206 0 0
MAGNA INTL INC COM Stock 559222401   651,661 11,600 SH   SOLE   11,599 0 0
NOVARTIS AG SPONSORED ADR ADR 66987V109   860,547 9,486 SH   SOLE   9,485 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842   6,555,394 106,350 SH   SOLE   106,349 0 0
KINDER MORGAN INC DEL COM Stock 49456B101   205,455 11,364 SH   SOLE   11,363 0 0
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101   856,934 3,211 SH   SOLE   3,211 0 0
MOHAWK INDS INC COM Stock 608190104   347,855 3,403 SH   SOLE   3,403 0 0
OMNICOM GROUP INC COM Stock 681919106   246,995 3,028 SH   SOLE   3,028 0 0
SPDR BLOOMBERG INVESTMENT GRADE FLOATING RATE ETF ETF 78468R200   1,013,993 33,366 SH   SOLE   33,366 0 0
NVIDIA CORPORATION COM Stock 67066G104   12,460,092 85,261 SH   SOLE   85,261 0 0
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646   4,866,336 97,678 SH   SOLE   97,678 0 0
GRAINGER W W INC COM Stock 384802104   418,481 752 SH   SOLE   752 0 0
ABBVIE INC COM Stock 00287Y109   1,532,323 9,482 SH   SOLE   9,481 0 0
S&P GLOBAL INC COM Stock 78409V104   205,917 615 SH   SOLE   614 0 0
SPDR S&P BIOTECH ETF ETF 78464A870   266,928 3,216 SH   SOLE   3,216 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103   2,299,899 49,248 SH   SOLE   49,248 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   1,634,144 22,747 SH   SOLE   22,747 0 0
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775   1,575,777 31,428 SH   SOLE   31,427 0 0
ISHARES MSCI EMERGING MARKETS SMALL CAP ETF ETF 464286475   300,160 6,217 SH   SOLE   6,217 0 0
ZOETIS INC CL A Stock 98978V103   340,370 2,323 SH   SOLE   2,322 0 0
TRUSTCO BK CORP N Y COM NEW Stock 898349204   448,374 11,928 SH   SOLE   11,928 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF 464287648   781,317 3,642 SH   SOLE   3,642 0 0
BLACKSTONE INC COM Stock 09260D107   2,721,438 36,682 SH   SOLE   36,682 0 0
CHURCH & DWIGHT CO INC COM Stock 171340102   5,900,809 73,202 SH   SOLE   73,201 0 0
STRYKER CORPORATION COM Stock 863667101   853,580 3,491 SH   SOLE   3,491 0 0
QUALCOMM INC COM Stock 747525103   489,450 4,452 SH   SOLE   4,451 0 0
T-MOBILE US INC COM Stock 872590104   224,420 1,603 SH   SOLE   1,603 0 0
SPDR BLACKSTONE SENIOR LOAN ETF ETF 78467V608   332,454 8,128 SH   SOLE   8,128 0 0
GENERAL DYNAMICS CORP COM Stock 369550108   408,267 1,646 SH   SOLE   1,645 0 0
INTUITIVE SURGICAL INC COM NEW Stock 46120E602   447,115 1,685 SH   SOLE   1,685 0 0
MCDONALDS CORP COM Stock 580135101   3,114,530 11,819 SH   SOLE   11,818 0 0
INTERCONTINENTAL EXCHANGE INC COM Stock 45866F104   443,965 4,328 SH   SOLE   4,327 0 0
CISCO SYS INC COM Stock 17275R102   3,860,954 81,044 SH   SOLE   81,044 0 0
CAPITAL ONE FINL CORP COM Stock 14040H105   1,321,565 14,216 SH   SOLE   14,216 0 0
ISHARES RUSSELL MIDCAP ETF ETF 464287499   876,917 13,001 SH   SOLE   13,001 0 0
ADVANCED MICRO DEVICES INC COM Stock 007903107   442,621 6,834 SH   SOLE   6,833 0 0
AUTODESK INC COM Stock 052769106   463,624 2,481 SH   SOLE   2,481 0 0
AT&T INC COM Stock 00206R102   554,460 30,117 SH   SOLE   30,117 0 0
VANGUARD FINANCIALS ETF ETF 92204A405   367,818 4,446 SH   SOLE   4,446 0 0
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506   9,822,859 112,300 SH   SOLE   112,299 0 0
MATERIALS SELECT SECTOR SPDR FUND ETF 81369Y100   7,535,907 97,012 SH   SOLE   97,012 0 0
GENERAL ELECTRIC CO COM NEW Stock 369604301   336,690 4,018 SH   SOLE   4,018 0 0
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513   3,597,415 48,858 SH   SOLE   48,858 0 0
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887   222,624 2,060 SH   SOLE   2,060 0 0
INFINERA CORP COM Stock 45667G103   150,976 22,400 SH   SOLE   22,400 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407   14,173,676 109,737 SH   SOLE   109,737 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704   8,847,374 90,086 SH   SOLE   90,086 0 0
BLACKROCK SHORT MATURITY BOND ETF ETF 46431W507   218,118 4,427 SH   SOLE   4,427 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408   7,764,971 53,526 SH   SOLE   53,525 0 0
SPDR PORTFOLIO S&P 600 SMALL CAP ETF ETF 78468R853   279,559 7,562 SH   SOLE   7,561 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309   8,850,104 151,284 SH   SOLE   151,283 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   30,305,084 78,876 SH   SOLE   78,876 0 0
CIGNA CORP NEW COM Stock 125523100   416,631 1,257 SH   SOLE   1,257 0 0
ONEOK INC NEW COM Stock 682680103   233,191 3,549 SH   SOLE   3,549 0 0
ISHARES 0-5 YEAR HIGH YIELD CORPORATE BOND ETF ETF 46434V407   266,951 6,529 SH   SOLE   6,528 0 0
WELLS FARGO CO NEW COM Stock 949746101   472,675 11,448 SH   SOLE   11,447 0 0
UNION PAC CORP COM Stock 907818108   11,026,879 53,252 SH   SOLE   53,251 0 0
ISHARES MBS ETF ETF 464288588   391,869 4,225 SH   SOLE   4,225 0 0
ISHARES PREFERRED & INCOME SECURITIES ETF ETF 464288687   7,220,899 236,518 SH   SOLE   236,518 0 0
SALESFORCE INC COM Stock 79466L302   798,457 6,022 SH   SOLE   6,022 0 0
MCCORMICK & CO INC COM NON VTG Stock 579780206   364,467 4,397 SH   SOLE   4,397 0 0
NORTHROP GRUMMAN CORP COM Stock 666807102   3,149,554 5,773 SH   SOLE   5,772 0 0
SPDR EURO STOXX 50 ETF ETF 78463X202   4,705,881 121,599 SH   SOLE   121,599 0 0
THERMO FISHER SCIENTIFIC INC COM Stock 883556102   748,453 1,359 SH   SOLE   1,359 0 0
VANGUARD MID-CAP VALUE ETF ETF 922908512   342,428 2,532 SH   SOLE   2,532 0 0
LOCKHEED MARTIN CORP COM Stock 539830109   541,842 1,114 SH   SOLE   1,113 0 0
JPMORGAN CHASE & CO COM Stock 46625H100   8,670,442 64,657 SH   SOLE   64,656 0 0
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288638   1,394,647 28,169 SH   SOLE   28,169 0 0
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509   769,022 23,332 SH   SOLE   23,331 0 0
CHEVRON CORP NEW COM Stock 166764100   6,956,460 38,757 SH   SOLE   38,756 0 0
ISHARES NATIONAL MUNI BOND ETF ETF 464288414   2,492,057 23,617 SH   SOLE   23,616 0 0
CONOCOPHILLIPS COM Stock 20825C104   4,191,251 35,519 SH   SOLE   35,519 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   673,251 16,041 SH   SOLE   16,041 0 0
DANAHER CORPORATION COM Stock 235851102   6,836,938 25,759 SH   SOLE   25,758 0 0
TJX COS INC NEW COM Stock 872540109   297,986 3,744 SH   SOLE   3,743 0 0
BANK AMERICA CORP COM Stock 060505104   2,369,005 71,528 SH   SOLE   71,527 0 0
SPDR S&P DIVIDEND ETF ETF 78464A763   5,697,486 45,540 SH   SOLE   45,539 0 0
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805   1,000,438 21,155 SH   SOLE   21,155 0 0
WALMART INC COM Stock 931142103   5,869,829 41,398 SH   SOLE   41,398 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   713,772 5,066 SH   SOLE   5,066 0 0
ORACLE CORP COM Stock 68389X105   595,500 7,285 SH   SOLE   7,285 0 0
RAYTHEON TECHNOLOGIES CORP COM Stock 75513E101   2,649,125 26,250 SH   SOLE   26,249 0 0
TEXAS INSTRS INC COM Stock 882508104   10,224,755 61,886 SH   SOLE   61,885 0 0
TARGET CORP COM Stock 87612E106   445,175 2,987 SH   SOLE   2,986 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   1,672,602 15,457 SH   SOLE   15,457 0 0
PFIZER INC COM Stock 717081103   3,145,045 61,379 SH   SOLE   61,378 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242   3,581,548 33,971 SH   SOLE   33,970 0 0
MORGAN STANLEY COM NEW Stock 617446448   561,337 6,602 SH   SOLE   6,602 0 0
3M CO COM Stock 88579Y101   637,627 5,317 SH   SOLE   5,317 0 0
KLA CORP COM NEW Stock 482480100   825,082 2,188 SH   SOLE   2,188 0 0
GILEAD SCIENCES INC COM Stock 375558103   454,147 5,290 SH   SOLE   5,290 0 0
CATERPILLAR INC COM Stock 149123101   1,509,584 6,301 SH   SOLE   6,301 0 0
ALPHABET INC CAP STK CL C Stock 02079K107   3,482,358 39,247 SH   SOLE   39,246 0 0
AMERICAN EXPRESS CO COM Stock 025816109   621,502 4,206 SH   SOLE   4,206 0 0
AMGEN INC COM Stock 031162100   1,006,774 3,833 SH   SOLE   3,833 0 0
APPLIED MATLS INC COM Stock 038222105   353,127 3,626 SH   SOLE   3,626 0 0
OTIS WORLDWIDE CORP COM Stock 68902V107   489,670 6,253 SH   SOLE   6,252 0 0
ANALOG DEVICES INC COM Stock 032654105   372,381 2,270 SH   SOLE   2,270 0 0
HUMANA INC COM Stock 444859102   272,531 532 SH   SOLE   532 0 0
WILLIAMS COS INC COM Stock 969457100   320,618 9,745 SH   SOLE   9,745 0 0
INVESCO VARIABLE RATE PREFERRED ETF ETF 46138G870   395,359 17,658 SH   SOLE   17,657 0 0
CHECK POINT SOFTWARE TECH LTD ORD Stock M22465104   4,147,258 32,873 SH   SOLE   32,873 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   2,178,732 14,348 SH   SOLE   14,347 0 0
ISHARES MSCI EAFE SMALL-CAP ETF ETF 464288273   1,171,194 20,736 SH   SOLE   20,736 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   838,818 8,648 SH   SOLE   8,648 0 0
EATON CORP PLC SHS Stock G29183103   468,415 2,984 SH   SOLE   2,984 0 0
ISHARES CORE MSCI EUROPE ETF ETF 46434V738   11,277,564 237,422 SH   SOLE   237,422 0 0
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606   811,199 11,877 SH   SOLE   11,877 0 0
ISHARES S&P MID-CAP 400 VALUE ETF ETF 464287705   479,203 4,754 SH   SOLE   4,754 0 0
ISHARES INTERMEDIATE GOVERNMENT/CREDIT BOND ETF ETF 464288612   819,488 7,998 SH   SOLE   7,998 0 0
AXALTA COATING SYS LTD COM Stock G0750C108   370,206 14,535 SH   SOLE   14,535 0 0
CORBUS PHARMACEUTICALS HLDGS I COM Stock 21833P103   1,483 13,420 SH   SOLE   13,420 0 0
VANGUARD SHORT-TERM BOND ETF ETF 921937827   4,001,042 53,149 SH   SOLE   53,148 0 0
GARTNER INC COM Stock 366651107   314,627 936 SH   SOLE   936 0 0
SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409   3,768,669 74,377 SH   SOLE   74,376 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508   1,153,166 29,652 SH   SOLE   29,652 0 0
PHILIP MORRIS INTL INC COM Stock 718172109   811,362 8,017 SH   SOLE   8,016 0 0
ROPER TECHNOLOGIES INC COM Stock 776696106   3,036,533 7,028 SH   SOLE   7,027 0 0
PNC FINL SVCS GROUP INC COM Stock 693475105   373,470 2,365 SH   SOLE   2,364 0 0
EQUINIX INC COM REIT 29444U700   213,161 325 SH   SOLE   325 0 0
BRISTOL-MYERS SQUIBB CO COM Stock 110122108   814,330 11,318 SH   SOLE   11,318 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689   1,047,242 4,746 SH   SOLE   4,745 0 0
REALTY INCOME CORP COM REIT 756109104   341,777 5,388 SH   SOLE   5,388 0 0
ALTRIA GROUP INC COM Stock 02209S103   364,931 7,984 SH   SOLE   7,983 0 0
DOMINION ENERGY INC COM Stock 25746U109   549,702 8,964 SH   SOLE   8,964 0 0
CITIGROUP INC COM NEW Stock 172967424   239,150 5,287 SH   SOLE   5,287 0 0
AMERICAN WTR WKS CO INC NEW COM Stock 030420103   200,181 1,313 SH   SOLE   1,313 0 0
EXXON MOBIL CORP COM Stock 30231G102   3,355,764 30,424 SH   SOLE   30,423 0 0
UNITEDHEALTH GROUP INC COM Stock 91324P102   2,414,460 4,554 SH   SOLE   4,554 0 0
PRICE T ROWE GROUP INC COM Stock 74144T108   392,398 3,598 SH   SOLE   3,598 0 0
TRAVELERS COMPANIES INC COM Stock 89417E109   248,590 1,326 SH   SOLE   1,325 0 0
LOWES COS INC COM Stock 548661107   8,150,085 40,906 SH   SOLE   40,905 0 0
ARK INNOVATION ETF ETF 00214Q104   128,766 4,122 SH   SOLE   4,121 0 0
DEERE & CO COM Stock 244199105   2,391,750 5,578 SH   SOLE   5,578 0 0
COLGATE PALMOLIVE CO COM Stock 194162103   316,252 4,014 SH   SOLE   4,013 0 0
AMERICAN INTL GROUP INC COM NEW Stock 026874784   279,480 4,419 SH   SOLE   4,419 0 0
DEVON ENERGY CORP NEW COM Stock 25179M103   209,232 3,402 SH   SOLE   3,401 0 0
UTILITIES SELECT SECTOR SPDR FUND ETF 81369Y886   10,488,390 148,771 SH   SOLE   148,771 0 0
KRAFT HEINZ CO COM Stock 500754106   1,001,910 24,611 SH   SOLE   24,610 0 0
PAYPAL HLDGS INC COM Stock 70450Y103   451,179 6,335 SH   SOLE   6,335 0 0
SCHWAB CHARLES CORP COM Stock 808513105   379,164 4,554 SH   SOLE   4,553 0 0
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889   4,286,943 144,390 SH   SOLE   144,390 0 0
CROWN CASTLE INC COM REIT 22822V101   339,259 2,501 SH   SOLE   2,501 0 0
BLACKROCK INC COM Stock 09247X101   710,133 1,002 SH   SOLE   1,002 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   22,851,555 94,471 SH   SOLE   94,470 0 0
ISHARES MSCI EAFE ETF ETF 464287465   1,253,896 19,103 SH   SOLE   19,102 0 0
APPLE INC COM Stock 037833100   24,730,937 190,340 SH   SOLE   190,340 0 0
GOLDMAN SACHS ACTIVEBETA U.S. LARGE CAP EQUITY ETF ETF 381430503   2,633,565 34,593 SH   SOLE   34,593 0 0
ABBOTT LABS COM Stock 002824100   7,895,263 71,912 SH   SOLE   71,912 0 0
DISNEY WALT CO COM Stock 254687106   4,736,044 54,512 SH   SOLE   54,512 0 0
BOOKING HOLDINGS INC COM Stock 09857L108   253,925 126 SH   SOLE   126 0 0
ISHARES RUSSELL 1000 ETF ETF 464287622   1,245,015 5,914 SH   SOLE   5,914 0 0
MARSH & MCLENNAN COS INC COM Stock 571748102   476,102 2,877 SH   SOLE   2,877 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   17,857,210 117,753 SH   SOLE   117,752 0 0