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
AMAZON COM INC COM Stock 023135106   4,841,610 46,874 SH   SOLE   46,873 0 0
BLACKROCK SHORT MATURITY MUNICIPAL BOND ETF ETF 46431W838   985,645 19,729 SH   SOLE   19,728 0 0
HEWLETT PACKARD ENTERPRISE CO COM Stock 42824C109   171,036 10,737 SH   SOLE   10,736 0 0
INVESCO QQQ TRUST ETF 46090E103   225,293 702 SH   SOLE   702 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   37,366,274 247,442 SH   SOLE   247,442 0 0
STARBUCKS CORP COM Stock 855244109   1,139,463 10,943 SH   SOLE   10,942 0 0
SEMPRA COM Stock 816851109   321,554 2,127 SH   SOLE   2,127 0 0
ELEVANCE HEALTH INC COM Stock 036752103   742,375 1,615 SH   SOLE   1,614 0 0
DOLLAR GEN CORP NEW COM Stock 256677105   427,603 2,032 SH   SOLE   2,031 0 0
SPDR PORTFOLIO S&P 500 HIGH DIVIDEND ETF ETF 78468R788   205,922 5,419 SH   SOLE   5,419 0 0
MONSTER BEVERAGE CORP NEW COM Stock 61174X109   290,520 5,379 SH   SOLE   5,379 0 0
JOHNSON & JOHNSON COM Stock 478160104   2,430,957 15,684 SH   SOLE   15,683 0 0
WASTE MGMT INC DEL COM Stock 94106L109   992,142 6,080 SH   SOLE   6,080 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   21,802,637 106,823 SH   SOLE   106,823 0 0
DEXCOM INC COM Stock 252131107   224,460 1,932 SH   SOLE   1,932 0 0
COSTCO WHSL CORP NEW COM Stock 22160K105   873,817 1,759 SH   SOLE   1,758 0 0
HCA HEALTHCARE INC COM Stock 40412C101   435,080 1,650 SH   SOLE   1,650 0 0
GOLDMAN SACHS GROUP INC COM Stock 38141G104   718,731 2,197 SH   SOLE   2,197 0 0
YUM BRANDS INC COM Stock 988498101   1,737,374 13,154 SH   SOLE   13,153 0 0
BOSTON SCIENTIFIC CORP COM Stock 101137107   270,112 5,399 SH   SOLE   5,399 0 0
REAL ESTATE SELECT SECTOR SPDR FUND ETF 81369Y860   3,075,454 82,275 SH   SOLE   82,275 0 0
PROCTER AND GAMBLE CO COM Stock 742718109   4,090,208 27,508 SH   SOLE   27,508 0 0
COCA COLA CO COM Stock 191216100   965,318 15,562 SH   SOLE   15,562 0 0
GENERAL MLS INC COM Stock 370334104   206,453 2,416 SH   SOLE   2,415 0 0
TRUIST FINL CORP COM Stock 89832Q109   530,517 15,558 SH   SOLE   15,557 0 0
UNITED PARCEL SERVICE INC CL B Stock 911312106   823,838 4,247 SH   SOLE   4,246 0 0
MARRIOTT INTL INC NEW CL A Stock 571903202   263,676 1,588 SH   SOLE   1,588 0 0
VANGUARD REAL ESTATE ETF ETF 922908553   689,028 8,298 SH   SOLE   8,297 0 0
ISHARES MSCI USA ESG SELECT ETF ETF 464288802   439,880 5,012 SH   SOLE   5,011 0 0
ISHARES MSCI ACWI EX U.S. ETF ETF 464288240   1,256,362 25,761 SH   SOLE   25,760 0 0
INTEL CORP COM Stock 458140100   1,233,448 37,755 SH   SOLE   37,754 0 0
CME GROUP INC COM Stock 12572Q105   366,485 1,914 SH   SOLE   1,913 0 0
MEDTRONIC PLC SHS Stock G5960L103   660,812 8,197 SH   SOLE   8,196 0 0
FORTIVE CORP COM Stock 34959J108   695,409 10,201 SH   SOLE   10,201 0 0
NETFLIX INC COM Stock 64110L106   1,316,279 3,810 SH   SOLE   3,810 0 0
PAYCHEX INC COM Stock 704326107   404,146 3,527 SH   SOLE   3,526 0 0
SPDR MSCI USA STRATEGICFACTORS ETF ETF 78468R812   289,709 2,499 SH   SOLE   2,499 0 0
ISHARES MSCI UNITED KINGDOM ETF ETF 46435G334   220,497 6,835 SH   SOLE   6,835 0 0
LAUDER ESTEE COS INC CL A Stock 518439104   242,152 983 SH   SOLE   982 0 0
WELLS FARGO CO NEW PERP PFD CNV A Convertible Preferred 949746804   498,730 424 SH   SOLE   424 0 0
PROLOGIS INC. COM REIT 74340W103   691,432 5,542 SH   SOLE   5,541 0 0
MERCK & CO INC COM Stock 58933Y105   3,691,653 34,699 SH   SOLE   34,699 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158   354,132 3,383 SH   SOLE   3,383 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   37,595,572 91,833 SH   SOLE   91,833 0 0
MASTERCARD INCORPORATED CL A Stock 57636Q104   5,111,743 14,066 SH   SOLE   14,066 0 0
FIRST REP BK SAN FRANCISCO CAL COM Stock 33616C100   385,683 27,568 SH   SOLE   27,568 0 0
ILLINOIS TOOL WKS INC COM Stock 452308109   485,931 1,996 SH   SOLE   1,996 0 0
ALLSTATE CORP COM Stock 020002101   3,042,880 27,460 SH   SOLE   27,460 0 0
DIAGEO PLC SPON ADR NEW ADR 25243Q205   362,246 1,999 SH   SOLE   1,999 0 0
ISHARES TIPS BOND ETF ETF 464287176   1,416,713 12,850 SH   SOLE   12,850 0 0
VERTEX PHARMACEUTICALS INC COM Stock 92532F100   356,659 1,132 SH   SOLE   1,132 0 0
LIONS GATE ENTMNT CORP CL B NON VTG Stock 535919500   442,406 42,621 SH   SOLE   42,621 0 0
CORNING INC COM Stock 219350105   1,050,906 29,788 SH   SOLE   29,787 0 0
EDWARDS LIFESCIENCES CORP COM Stock 28176E108   347,383 4,199 SH   SOLE   4,199 0 0
JPMORGAN BETABUILDERS USD HIGH YIELD CORPORATE BOND ETF ETF 46641Q878   665,019 14,801 SH   SOLE   14,801 0 0
BANK NEW YORK MELLON CORP COM Stock 064058100   350,854 7,721 SH   SOLE   7,721 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104   1,394,517 35,858 SH   SOLE   35,857 0 0
CHUBB LIMITED COM Stock H1467J104   349,498 1,800 SH   SOLE   1,799 0 0
FEDEX CORP COM Stock 31428X106   220,036 963 SH   SOLE   963 0 0
PEPSICO INC COM Stock 713448108   2,750,162 15,086 SH   SOLE   15,085 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF ETF 464287457   237,367 2,889 SH   SOLE   2,889 0 0
KIMBERLY-CLARK CORP COM Stock 494368103   298,871 2,227 SH   SOLE   2,226 0 0
HONEYWELL INTL INC COM Stock 438516106   539,036 2,820 SH   SOLE   2,820 0 0
TRANE TECHNOLOGIES PLC SHS Stock G8994E103   211,311 1,149 SH   SOLE   1,148 0 0
FORD MTR CO DEL COM Stock 345370860   167,548 13,297 SH   SOLE   13,297 0 0
US BANCORP DEL COM NEW Stock 902973304   411,295 11,409 SH   SOLE   11,409 0 0
HOME DEPOT INC COM Stock 437076102   3,819,303 12,942 SH   SOLE   12,941 0 0
BAXTER INTL INC COM Stock 071813109   252,103 6,216 SH   SOLE   6,215 0 0
AUTOMATIC DATA PROCESSING INC COM Stock 053015103   864,774 3,884 SH   SOLE   3,884 0 0
DUPONT DE NEMOURS INC COM Stock 26614N102   366,868 5,112 SH   SOLE   5,111 0 0
ISHARES RUSSELL 2000 VALUE ETF ETF 464287630   496,972 3,627 SH   SOLE   3,627 0 0
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   38,662,572 298,645 SH   SOLE   298,644 0 0
SOUTHERN CO COM Stock 842587107   454,525 6,532 SH   SOLE   6,532 0 0
BECTON DICKINSON & CO COM Stock 075887109   1,343,147 5,426 SH   SOLE   5,425 0 0
REGIONS FINANCIAL CORP NEW COM Stock 7591EP100   353,657 19,055 SH   SOLE   19,054 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   34,329,661 140,505 SH   SOLE   140,505 0 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308   16,567,989 221,764 SH   SOLE   221,764 0 0
SPDR PORTFOLIO S&P 400 MID CAP ETF ETF 78464A847   643,326 14,641 SH   SOLE   14,641 0 0
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837   2,891,463 57,462 SH   SOLE   57,461 0 0
AON PLC SHS CL A Stock G0403H108   405,827 1,287 SH   SOLE   1,287 0 0
GALLAGHER ARTHUR J & CO COM Stock 363576109   254,825 1,332 SH   SOLE   1,332 0 0
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474   878,650 29,654 SH   SOLE   29,654 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   18,231,969 188,542 SH   SOLE   188,541 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   3,838,629 12,432 SH   SOLE   12,432 0 0
CARTERS INC COM Stock 146229109   387,577 5,389 SH   SOLE   5,389 0 0
ADOBE SYSTEMS INCORPORATED COM Stock 00724F101   1,164,974 3,023 SH   SOLE   3,023 0 0
VANGUARD SHORT-TERM CORPORATE BOND ETF ETF 92206C409   2,890,810 37,922 SH   SOLE   37,922 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870   1,108,438 13,817 SH   SOLE   13,817 0 0
ALPHABET INC CAP STK CL A Stock 02079K305   4,638,598 44,718 SH   SOLE   44,718 0 0
PROGRESSIVE CORP COM Stock 743315103   407,790 2,850 SH   SOLE   2,850 0 0
VANGUARD U.S. VALUE FACTOR ETF ETF 921935805   484,850 5,000 SH   SOLE   5,000 0 0
VANGUARD U.S. MOMENTUM FACTOR ETF ETF 921935508   415,719 3,694 SH   SOLE   3,694 0 0
FISERV INC COM Stock 337738108   4,333,457 38,339 SH   SOLE   38,339 0 0
INTUIT COM Stock 461202103   674,241 1,512 SH   SOLE   1,512 0 0
UNILEVER PLC SPON ADR NEW ADR 904767704   593,740 11,433 SH   SOLE   11,433 0 0
CSX CORP COM Stock 126408103   219,286 7,324 SH   SOLE   7,324 0 0
GRAPHIC PACKAGING HLDG CO COM Stock 388689101   454,240 17,820 SH   SOLE   17,820 0 0
SENSATA TECHNOLOGIES HLDG PLC SHS Stock G8060N102   426,607 8,529 SH   SOLE   8,528 0 0
COMCAST CORP NEW CL A Stock 20030N101   936,182 24,695 SH   SOLE   24,694 0 0
MICROSOFT CORP COM Stock 594918104   19,019,486 65,971 SH   SOLE   65,971 0 0
SS&C TECHNOLOGIES HLDGS INC COM Stock 78467J100   450,253 7,973 SH   SOLE   7,973 0 0
VALERO ENERGY CORP COM Stock 91913Y100   3,641,173 26,083 SH   SOLE   26,082 0 0
DOCUSIGN INC COM Stock 256163106   224,863 3,857 SH   SOLE   3,857 0 0
SCHLUMBERGER LTD COM STK Stock 806857108   312,702 6,369 SH   SOLE   6,368 0 0
CVS HEALTH CORP COM Stock 126650100   633,575 8,526 SH   SOLE   8,526 0 0
DTE ENERGY CO COM Stock 233331107   814,764 7,438 SH   SOLE   7,438 0 0
SPROTT PHYSICAL GOLD TR UNIT CEF 85207H104   319,697 20,679 SH   SOLE   20,679 0 0
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND ETF 81369Y852   13,001,782 224,285 SH   SOLE   224,284 0 0
SIMON PPTY GROUP INC NEW COM REIT 828806109   221,019 1,974 SH   SOLE   1,973 0 0
KEURIG DR PEPPER INC COM Stock 49271V100   221,962 6,291 SH   SOLE   6,291 0 0
TILRAY BRANDS INC COM Stock 88688T100   69,737 27,564 SH   SOLE   27,564 0 0
AMERIPRISE FINL INC COM Stock 03076C106   1,555,298 5,074 SH   SOLE   5,074 0 0
VANGUARD INTERMEDIATE-TERM TREASURY ETF ETF 92206C706   1,306,751 21,794 SH   SOLE   21,793 0 0
ARES CAPITAL CORP COM CEF 04010L103   8,262,877 452,141 SH   SOLE   452,141 0 0
BERKSHIRE HATHAWAY INC DEL CL A Stock 084670108   1,396,800 3 SH   SOLE   3 0 0
ELANCO ANIMAL HEALTH INC COM Stock 28414H103   373,424 39,726 SH   SOLE   39,726 0 0
BOEING CO COM Stock 097023105   808,296 3,805 SH   SOLE   3,805 0 0
VANGUARD SMALL-CAP ETF ETF 922908751   2,048,361 10,806 SH   SOLE   10,805 0 0
VANGUARD MID-CAP ETF ETF 922908629   4,675,875 22,169 SH   SOLE   22,168 0 0
NEXTERA ENERGY INC COM Stock 65339F101   711,154 9,226 SH   SOLE   9,226 0 0
NIKE INC CL B Stock 654106103   911,538 7,433 SH   SOLE   7,432 0 0
ALIGN TECHNOLOGY INC COM Stock 016255101   308,745 924 SH   SOLE   924 0 0
URBAN OUTFITTERS INC COM Stock 917047102   283,021 10,210 SH   SOLE   10,210 0 0
TESLA INC COM Stock 88160R101   1,901,371 9,165 SH   SOLE   9,165 0 0
MSCI INC COM Stock 55354G100   333,592 596 SH   SOLE   596 0 0
LINDE PLC SHS Stock G54950103   632,536 1,780 SH   SOLE   1,779 0 0
BAIN CAP SPECIALTY FIN INC COM STK CEF 05684B107   272,358 22,849 SH   SOLE   22,848 0 0
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605   17,607,977 547,682 SH   SOLE   547,682 0 0
NORFOLK SOUTHN CORP COM Stock 655844108   283,991 1,340 SH   SOLE   1,339 0 0
PUBLIC STORAGE COM REIT 74460D109   232,183 768 SH   SOLE   768 0 0
ALERIAN MLP ETF ETF 00162Q452   805,546 20,842 SH   SOLE   20,842 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874   446,349 7,323 SH   SOLE   7,323 0 0
VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702   465,648 1,208 SH   SOLE   1,208 0 0
WALGREENS BOOTS ALLIANCE INC COM Stock 931427108   408,044 11,800 SH   SOLE   11,800 0 0
INTERNATIONAL FLAVORS&FRAGRANC COM Stock 459506101   232,843 2,532 SH   SOLE   2,532 0 0
DOW INC COM Stock 260557103   225,859 4,120 SH   SOLE   4,120 0 0
LYONDELLBASELL INDUSTRIES N V SHS - A - Stock N53745100   260,979 2,780 SH   SOLE   2,779 0 0
VANGUARD S&P 500 ETF ETF 922908363   3,495,722 9,295 SH   SOLE   9,295 0 0
BROWN FORMAN CORP CL A Stock 115637100   284,554 4,365 SH   SOLE   4,365 0 0
FIFTH THIRD BANCORP COM Stock 316773100   430,998 16,179 SH   SOLE   16,178 0 0
WISDOMTREE EUROPE HEDGED EQUITY FUND ETF 97717X701   460,047 5,596 SH   SOLE   5,596 0 0
SPDR S&P MIDCAP 400 ETF TRUST ETF 78467Y107   1,509,573 3,293 SH   SOLE   3,293 0 0
ILLUMINA INC COM Stock 452327109   472,309 2,031 SH   SOLE   2,031 0 0
GENERAL MTRS CO COM Stock 37045V100   595,573 16,237 SH   SOLE   16,237 0 0
HUNTINGTON BANCSHARES INC COM Stock 446150104   140,102 12,509 SH   SOLE   12,509 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357   1,084,650 7,500 SH   SOLE   7,500 0 0
JPMORGAN BETABUILDERS USD INVESTMENT GRADE CORPORATE BOND ETF ETF 46641Q449   966,144 21,053 SH   SOLE   21,053 0 0
OWL ROCK CAPITAL CORPORATION COM CEF 69121K104   4,654,818 369,137 SH   SOLE   369,137 0 0
LILLY ELI & CO COM Stock 532457108   1,693,323 4,931 SH   SOLE   4,930 0 0
AIR PRODS & CHEMS INC COM Stock 009158106   498,128 1,734 SH   SOLE   1,734 0 0
WISDOMTREE CLOUD COMPUTING FUND ETF 97717Y691   281,705 9,485 SH   SOLE   9,485 0 0
GRANITESHARES XOUT US LARGE CAP ETF ETF 38747R603   601,300 16,583 SH   SOLE   16,583 0 0
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768   261,349 4,734 SH   SOLE   4,733 0 0
ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473   771,543 7,265 SH   SOLE   7,265 0 0
VANGUARD MORTGAGE-BACKED SECURITIES ETF ETF 92206C771   521,360 11,200 SH   SOLE   11,200 0 0
VANGUARD S&P 500 GROWTH ETF ETF 921932505   463,751 2,012 SH   SOLE   2,012 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655   2,317,143 12,988 SH   SOLE   12,988 0 0
ISHARES CORE HIGH DIVIDEND ETF ETF 46429B663   10,781,290 106,052 SH   SOLE   106,052 0 0
DUKE ENERGY CORP NEW COM NEW Stock 26441C204   318,765 3,304 SH   SOLE   3,304 0 0
MICRON TECHNOLOGY INC COM Stock 595112103   595,208 9,864 SH   SOLE   9,864 0 0
CARRIER GLOBAL CORPORATION COM Stock 14448C104   497,708 10,879 SH   SOLE   10,878 0 0
FREEPORT-MCMORAN INC CL B Stock 35671D857   316,617 7,739 SH   SOLE   7,739 0 0
JPMORGAN EQUITY PREMIUM INCOME ETF ETF 46641Q332   22,121,601 405,158 SH   SOLE   405,157 0 0
ROYALTY PHARMA PLC SHS CLASS A Stock G7709Q104   1,583,482 43,949 SH   SOLE   43,949 0 0
AMERICAN ELEC PWR CO INC COM Stock 025537101   1,629,869 17,913 SH   SOLE   17,912 0 0
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481   1,348,086 14,806 SH   SOLE   14,806 0 0
MARATHON PETE CORP COM Stock 56585A102   329,347 2,443 SH   SOLE   2,442 0 0
VANGUARD FTSE PACIFIC ETF ETF 922042866   1,190,770 17,558 SH   SOLE   17,557 0 0
FIRST TRUST CLOUD COMPUTING ETF ETF 33734X192   456,659 6,826 SH   SOLE   6,826 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611   408,290 2,572 SH   SOLE   2,571 0 0
REGENERON PHARMACEUTICALS COM Stock 75886F107   1,988,441 2,420 SH   SOLE   2,420 0 0
AIRBNB INC COM CL A Stock 009066101   455,180 3,659 SH   SOLE   3,659 0 0
VANGUARD MID-CAP GROWTH ETF ETF 922908538   661,262 3,393 SH   SOLE   3,393 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797   339,076 4,635 SH   SOLE   4,634 0 0
WHEELS UP EXPERIENCE INC COM CL A Stock 96328L106   12,671 20,024 SH   SOLE   20,024 0 0
VISA INC COM CL A Stock 92826C839   2,628,706 11,659 SH   SOLE   11,659 0 0
ISHARES CMBS ETF ETF 46429B366   261,658 5,665 SH   SOLE   5,665 0 0
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595   403,518 1,865 SH   SOLE   1,864 0 0
VANGUARD VALUE ETF ETF 922908744   298,041 2,158 SH   SOLE   2,158 0 0
PHILLIPS 66 COM Stock 718546104   215,093 2,122 SH   SOLE   2,121 0 0
AMERICAN TOWER CORP NEW COM REIT 03027X100   281,710 1,379 SH   SOLE   1,378 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150   611,213 6,750 SH   SOLE   6,750 0 0
META PLATFORMS INC CL A Stock 30303M102   2,586,728 12,205 SH   SOLE   12,205 0 0
SERVICENOW INC COM Stock 81762P102   947,564 2,039 SH   SOLE   2,039 0 0
PALO ALTO NETWORKS INC COM Stock 697435105   632,377 3,166 SH   SOLE   3,166 0 0
MONDELEZ INTL INC CL A Stock 609207105   971,470 13,934 SH   SOLE   13,933 0 0
BROADCOM INC COM Stock 11135F101   4,419,108 6,888 SH   SOLE   6,888 0 0
EATON VANCE TAX MNGED BUY WRIT COM CEF 27828X100   135,355 10,372 SH   SOLE   10,372 0 0
WORKDAY INC CL A Stock 98138H101   205,094 993 SH   SOLE   993 0 0
D R HORTON INC COM Stock 23331A109   425,688 4,358 SH   SOLE   4,357 0 0
MARTIN MARIETTA MATLS INC COM Stock 573284106   412,614 1,162 SH   SOLE   1,162 0 0
PIONEER NAT RES CO COM Stock 723787107   238,348 1,167 SH   SOLE   1,167 0 0
MAGNA INTL INC COM Stock 559222401   266,698 4,978 SH   SOLE   4,978 0 0
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF ETF 46432F834   216,949 3,502 SH   SOLE   3,502 0 0
NOVARTIS AG SPONSORED ADR ADR 66987V109   725,579 7,887 SH   SOLE   7,886 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842   7,810,258 116,833 SH   SOLE   116,832 0 0
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101   1,107,357 3,874 SH   SOLE   3,874 0 0
MOHAWK INDS INC COM Stock 608190104   260,572 2,600 SH   SOLE   2,600 0 0
OMNICOM GROUP INC COM Stock 681919106   313,316 3,321 SH   SOLE   3,321 0 0
SPDR BLOOMBERG INVESTMENT GRADE FLOATING RATE ETF ETF 78468R200   583,921 19,189 SH   SOLE   19,189 0 0
NVIDIA CORPORATION COM Stock 67066G104   17,397,739 62,634 SH   SOLE   62,633 0 0
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646   6,396,814 126,569 SH   SOLE   126,569 0 0
CUMMINS INC COM Stock 231021106   202,630 848 SH   SOLE   848 0 0
EOG RES INC COM Stock 26875P101   209,583 1,828 SH   SOLE   1,828 0 0
GRAINGER W W INC COM Stock 384802104   555,441 806 SH   SOLE   806 0 0
ABBVIE INC COM Stock 00287Y109   1,966,828 12,341 SH   SOLE   12,341 0 0
S&P GLOBAL INC COM Stock 78409V104   296,457 860 SH   SOLE   859 0 0
SPDR S&P BIOTECH ETF ETF 78464A870   262,696 3,447 SH   SOLE   3,447 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103   2,676,269 54,853 SH   SOLE   54,852 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   1,107,598 15,002 SH   SOLE   15,002 0 0
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775   1,563,188 29,235 SH   SOLE   29,234 0 0
ZOETIS INC CL A Stock 98978V103   576,332 3,463 SH   SOLE   3,462 0 0
TRUSTCO BK CORP N Y COM NEW Stock 898349204   381,078 11,931 SH   SOLE   11,931 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF 464287648   826,122 3,642 SH   SOLE   3,642 0 0
BLACKSTONE INC COM Stock 09260D107   3,207,936 36,520 SH   SOLE   36,520 0 0
CHURCH & DWIGHT CO INC COM Stock 171340102   4,504,581 50,951 SH   SOLE   50,951 0 0
STRYKER CORPORATION COM Stock 863667101   548,774 1,922 SH   SOLE   1,922 0 0
QUALCOMM INC COM Stock 747525103   665,212 5,214 SH   SOLE   5,214 0 0
T-MOBILE US INC COM Stock 872590104   267,085 1,844 SH   SOLE   1,844 0 0
SPDR BLACKSTONE SENIOR LOAN ETF ETF 78467V608   503,269 12,139 SH   SOLE   12,138 0 0
GENERAL DYNAMICS CORP COM Stock 369550108   363,084 1,591 SH   SOLE   1,591 0 0
INTUITIVE SURGICAL INC COM NEW Stock 46120E602   318,571 1,247 SH   SOLE   1,247 0 0
MCDONALDS CORP COM Stock 580135101   2,998,991 10,726 SH   SOLE   10,725 0 0
INTERCONTINENTAL EXCHANGE INC COM Stock 45866F104   486,309 4,663 SH   SOLE   4,663 0 0
DOVER CORP COM Stock 260003108   211,652 1,393 SH   SOLE   1,393 0 0
CISCO SYS INC COM Stock 17275R102   4,019,369 76,889 SH   SOLE   76,888 0 0
CAPITAL ONE FINL CORP COM Stock 14040H105   762,963 7,934 SH   SOLE   7,934 0 0
ISHARES RUSSELL MIDCAP ETF ETF 464287499   804,150 11,501 SH   SOLE   11,501 0 0
ADVANCED MICRO DEVICES INC COM Stock 007903107   825,316 8,421 SH   SOLE   8,420 0 0
AUTODESK INC COM Stock 052769106   554,122 2,662 SH   SOLE   2,662 0 0
AT&T INC COM Stock 00206R102   565,935 29,399 SH   SOLE   29,399 0 0
VANGUARD FINANCIALS ETF ETF 92204A405   317,012 4,070 SH   SOLE   4,070 0 0
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506   12,083,369 145,882 SH   SOLE   145,881 0 0
MATERIALS SELECT SECTOR SPDR FUND ETF 81369Y100   7,040,406 87,285 SH   SOLE   87,284 0 0
GENERAL ELECTRIC CO COM NEW Stock 369604301   504,225 5,274 SH   SOLE   5,274 0 0
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513   3,691,222 48,858 SH   SOLE   48,858 0 0
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887   226,476 2,060 SH   SOLE   2,060 0 0
INFINERA CORP COM Stock 45667G103   173,824 22,400 SH   SOLE   22,400 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407   18,870,797 126,192 SH   SOLE   126,192 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704   12,250,580 121,077 SH   SOLE   121,077 0 0
ISHARES U.S. BASIC MATERIALS ETF ETF 464287838   202,903 1,531 SH   SOLE   1,531 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408   7,790,916 51,337 SH   SOLE   51,337 0 0
SPDR PORTFOLIO S&P 600 SMALL CAP ETF ETF 78468R853   285,618 7,562 SH   SOLE   7,562 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309   9,553,907 149,537 SH   SOLE   149,536 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   41,392,698 100,693 SH   SOLE   100,692 0 0
THE CIGNA GROUP COM Stock 125523100   323,172 1,265 SH   SOLE   1,264 0 0
ONEOK INC NEW COM Stock 682680103   251,000 3,950 SH   SOLE   3,950 0 0
ISHARES 0-5 YEAR HIGH YIELD CORPORATE BOND ETF ETF 46434V407   4,122,215 98,902 SH   SOLE   98,901 0 0
WELLS FARGO CO NEW COM Stock 949746101   494,618 13,232 SH   SOLE   13,232 0 0
UNION PAC CORP COM Stock 907818108   8,939,894 44,420 SH   SOLE   44,419 0 0
ISHARES MBS ETF ETF 464288588   420,601 4,440 SH   SOLE   4,440 0 0
ISHARES PREFERRED & INCOME SECURITIES ETF ETF 464288687   7,528,605 241,147 SH   SOLE   241,146 0 0
SALESFORCE INC COM Stock 79466L302   1,647,586 8,247 SH   SOLE   8,247 0 0
MICROCHIP TECHNOLOGY INC. COM Stock 595017104   222,549 2,656 SH   SOLE   2,656 0 0
MCCORMICK & CO INC COM NON VTG Stock 579780206   416,050 5,000 SH   SOLE   5,000 0 0
NORTHROP GRUMMAN CORP COM Stock 666807102   915,732 1,983 SH   SOLE   1,983 0 0
SPDR EURO STOXX 50 ETF ETF 78463X202   5,661,800 126,098 SH   SOLE   126,098 0 0
THERMO FISHER SCIENTIFIC INC COM Stock 883556102   1,195,477 2,074 SH   SOLE   2,074 0 0
VANGUARD MID-CAP VALUE ETF ETF 922908512   339,465 2,532 SH   SOLE   2,532 0 0
LOCKHEED MARTIN CORP COM Stock 539830109   789,414 1,670 SH   SOLE   1,669 0 0
JPMORGAN CHASE & CO COM Stock 46625H100   6,957,571 53,392 SH   SOLE   53,392 0 0
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288638   1,913,564 37,316 SH   SOLE   37,316 0 0
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509   234,200 6,862 SH   SOLE   6,861 0 0
CHEVRON CORP NEW COM Stock 166764100   4,837,843 29,651 SH   SOLE   29,650 0 0
ISHARES NATIONAL MUNI BOND ETF ETF 464288414   2,430,196 22,556 SH   SOLE   22,556 0 0
CONOCOPHILLIPS COM Stock 20825C104   2,579,475 26,000 SH   SOLE   26,000 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   713,478 15,795 SH   SOLE   15,795 0 0
DANAHER CORPORATION COM Stock 235851102   4,625,762 18,353 SH   SOLE   18,353 0 0
TJX COS INC NEW COM Stock 872540109   344,768 4,400 SH   SOLE   4,399 0 0
BANK AMERICA CORP COM Stock 060505104   2,010,782 70,307 SH   SOLE   70,307 0 0
SPDR S&P DIVIDEND ETF ETF 78464A763   5,932,281 47,953 SH   SOLE   47,953 0 0
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805   1,266,481 25,114 SH   SOLE   25,113 0 0
WALMART INC COM Stock 931142103   4,842,311 32,840 SH   SOLE   32,840 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   518,239 3,953 SH   SOLE   3,953 0 0
ORACLE CORP COM Stock 68389X105   788,508 8,486 SH   SOLE   8,485 0 0
RAYTHEON TECHNOLOGIES CORP COM Stock 75513E101   1,865,443 19,049 SH   SOLE   19,048 0 0
TEXAS INSTRS INC COM Stock 882508104   7,838,592 42,141 SH   SOLE   42,140 0 0
TARGET CORP COM Stock 87612E106   731,490 4,416 SH   SOLE   4,416 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   1,577,964 14,957 SH   SOLE   14,957 0 0
PFIZER INC COM Stock 717081103   2,195,237 53,805 SH   SOLE   53,804 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242   3,747,115 34,186 SH   SOLE   34,185 0 0
MORGAN STANLEY COM NEW Stock 617446448   657,720 7,491 SH   SOLE   7,491 0 0
3M CO COM Stock 88579Y101   381,123 3,626 SH   SOLE   3,625 0 0
KLA CORP COM NEW Stock 482480100   914,663 2,291 SH   SOLE   2,291 0 0
HP INC COM Stock 40434L105   275,447 9,385 SH   SOLE   9,384 0 0
GILEAD SCIENCES INC COM Stock 375558103   554,323 6,681 SH   SOLE   6,681 0 0
CATERPILLAR INC COM Stock 149123101   2,559,522 11,185 SH   SOLE   11,184 0 0
ALPHABET INC CAP STK CL C Stock 02079K107   4,459,695 42,882 SH   SOLE   42,881 0 0
AMERICAN EXPRESS CO COM Stock 025816109   775,390 4,701 SH   SOLE   4,700 0 0
AMGEN INC COM Stock 031162100   978,421 4,047 SH   SOLE   4,047 0 0
APPLIED MATLS INC COM Stock 038222105   541,495 4,408 SH   SOLE   4,408 0 0
OTIS WORLDWIDE CORP COM Stock 68902V107   383,426 4,543 SH   SOLE   4,542 0 0
ANALOG DEVICES INC COM Stock 032654105   622,143 3,155 SH   SOLE   3,154 0 0
HUMANA INC COM Stock 444859102   330,167 680 SH   SOLE   680 0 0
WILLIAMS COS INC COM Stock 969457100   219,364 7,346 SH   SOLE   7,346 0 0
INVESCO VARIABLE RATE PREFERRED ETF ETF 46138G870   394,088 17,792 SH   SOLE   17,791 0 0
ARISTA NETWORKS INC COM Stock 040413106   221,407 1,319 SH   SOLE   1,319 0 0
CHECK POINT SOFTWARE TECH LTD ORD Stock M22465104   2,931,890 22,553 SH   SOLE   22,553 0 0
MERCADOLIBRE INC COM Stock 58733R102   205,617 156 SH   SOLE   156 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   2,724,117 17,688 SH   SOLE   17,687 0 0
ISHARES MSCI EAFE SMALL-CAP ETF ETF 464288273   852,894 14,332 SH   SOLE   14,331 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   897,400 9,006 SH   SOLE   9,006 0 0
EATON CORP PLC SHS Stock G29183103   1,064,546 6,213 SH   SOLE   6,213 0 0
ISHARES CORE MSCI EUROPE ETF ETF 46434V738   12,245,994 233,791 SH   SOLE   233,791 0 0
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606   847,179 11,847 SH   SOLE   11,847 0 0
ISHARES S&P MID-CAP 400 VALUE ETF ETF 464287705   486,410 4,733 SH   SOLE   4,733 0 0
ISHARES INTERMEDIATE GOVERNMENT/CREDIT BOND ETF ETF 464288612   726,022 6,948 SH   SOLE   6,948 0 0
AXALTA COATING SYS LTD COM Stock G0750C108   440,841 14,554 SH   SOLE   14,554 0 0
VANGUARD SHORT-TERM BOND ETF ETF 921937827   3,704,596 48,432 SH   SOLE   48,432 0 0
GARTNER INC COM Stock 366651107   314,368 965 SH   SOLE   965 0 0
SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409   4,077,407 73,653 SH   SOLE   73,652 0 0
LAM RESEARCH CORP COM Stock 512807108   312,700 590 SH   SOLE   589 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508   1,207,429 29,652 SH   SOLE   29,652 0 0
PHILIP MORRIS INTL INC COM Stock 718172109   838,165 8,619 SH   SOLE   8,618 0 0
NUCOR CORP COM Stock 670346105   320,414 2,074 SH   SOLE   2,074 0 0
PARKER-HANNIFIN CORP COM Stock 701094104   269,288 801 SH   SOLE   801 0 0
ROPER TECHNOLOGIES INC COM Stock 776696106   2,012,441 4,567 SH   SOLE   4,566 0 0
SYNOPSYS INC COM Stock 871607107   246,041 637 SH   SOLE   637 0 0
PNC FINL SVCS GROUP INC COM Stock 693475105   339,856 2,674 SH   SOLE   2,673 0 0
EQUINIX INC COM REIT 29444U700   267,871 372 SH   SOLE   371 0 0
BRISTOL-MYERS SQUIBB CO COM Stock 110122108   784,679 11,321 SH   SOLE   11,321 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689   1,002,195 4,257 SH   SOLE   4,257 0 0
REALTY INCOME CORP COM REIT 756109104   269,490 4,256 SH   SOLE   4,255 0 0
ALTRIA GROUP INC COM Stock 02209S103   524,454 11,754 SH   SOLE   11,753 0 0
DOMINION ENERGY INC COM Stock 25746U109   358,335 6,409 SH   SOLE   6,409 0 0
CITIGROUP INC COM NEW Stock 172967424   431,768 9,208 SH   SOLE   9,208 0 0
CADENCE DESIGN SYSTEM INC COM Stock 127387108   250,427 1,192 SH   SOLE   1,192 0 0
EXXON MOBIL CORP COM Stock 30231G102   3,556,439 32,432 SH   SOLE   32,431 0 0
UNITEDHEALTH GROUP INC COM Stock 91324P102   2,762,532 5,846 SH   SOLE   5,845 0 0
PRICE T ROWE GROUP INC COM Stock 74144T108   358,683 3,177 SH   SOLE   3,177 0 0
TRAVELERS COMPANIES INC COM Stock 89417E109   357,409 2,085 SH   SOLE   2,085 0 0
LOWES COS INC COM Stock 548661107   5,782,496 28,917 SH   SOLE   28,916 0 0
ARK INNOVATION ETF ETF 00214Q104   4,732 117 SH   SOLE   117 0 0
DEERE & CO COM Stock 244199105   2,025,940 4,907 SH   SOLE   4,906 0 0
COLGATE PALMOLIVE CO COM Stock 194162103   216,298 2,878 SH   SOLE   2,878 0 0
AMERICAN INTL GROUP INC COM NEW Stock 026874784   239,557 4,757 SH   SOLE   4,756 0 0
UTILITIES SELECT SECTOR SPDR FUND ETF 81369Y886   11,117,921 164,248 SH   SOLE   164,247 0 0
KRAFT HEINZ CO COM Stock 500754106   914,205 23,641 SH   SOLE   23,641 0 0
PAYPAL HLDGS INC COM Stock 70450Y103   498,090 6,559 SH   SOLE   6,559 0 0
ACTIVISION BLIZZARD INC COM Stock 00507V109   250,188 2,923 SH   SOLE   2,923 0 0
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889   4,520,117 140,726 SH   SOLE   140,725 0 0
CROWN CASTLE INC COM REIT 22822V101   387,631 2,896 SH   SOLE   2,896 0 0
BLACKROCK INC COM Stock 09247X101   762,926 1,140 SH   SOLE   1,140 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   26,194,496 104,711 SH   SOLE   104,710 0 0
ISHARES MSCI EAFE ETF ETF 464287465   1,367,865 19,126 SH   SOLE   19,125 0 0
APPLE INC COM Stock 037833100   29,431,851 178,483 SH   SOLE   178,483 0 0
GOLDMAN SACHS ACTIVEBETA U.S. LARGE CAP EQUITY ETF ETF 381430503   1,998,824 24,610 SH   SOLE   24,610 0 0
WEC ENERGY GROUP INC COM Stock 92939U106   228,999 2,416 SH   SOLE   2,415 0 0
ABBOTT LABS COM Stock 002824100   5,802,832 57,306 SH   SOLE   57,306 0 0
DISNEY WALT CO COM Stock 254687106   3,980,863 39,757 SH   SOLE   39,756 0 0
BOOKING HOLDINGS INC COM Stock 09857L108   360,728 136 SH   SOLE   136 0 0
ISHARES RUSSELL 1000 ETF ETF 464287622   1,409,489 6,258 SH   SOLE   6,258 0 0
MARSH & MCLENNAN COS INC COM Stock 571748102   527,738 3,169 SH   SOLE   3,168 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   19,477,590 127,923 SH   SOLE   127,923 0 0