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
3M Company com 88579Y101   531 5,310 SH   SOLE 0 531 0 0
A T & T Inc. com 00206R102   3,035 190,275 SH   SOLE 0 3,035 0 0
Abbott Laboratories com 002824100   439 4,030 SH   SOLE 0 439 0 0
AbbVie Inc. com 00287Y109   7,754 57,554 SH   SOLE 0 7,754 0 0
Academy Sports and Outdoors, Inc. com 00402L107   735 13,599 SH   SOLE 0 735 0 0
Accenture Ltd Cl A com G1151C101   5,111 16,564 SH   SOLE 0 5,111 0 0
Activision Inc com 00507V109   4,457 52,871 SH   SOLE 0 4,457 0 0
AES Corporation com 00130H105   1,111 53,580 SH   SOLE 0 1,111 0 0
AFLAC Inc com 001055102   7,966 114,128 SH   SOLE 0 7,966 0 0
Allison Transmission Holdings, INc. com 01973R101   3,259 57,724 SH   SOLE 0 3,259 0 0
Allstate Corporation com 020002101   277 2,543 SH   SOLE 0 277 0 0
Alphabet Inc Class A com 02079K305   949 7,928 SH   SOLE 0 949 0 0
Alphabet Inc Class C com 02079K107   12,035 99,490 SH   SOLE 0 12,035 0 0
Amazon.com Inc. com 023135106   244 1,871 SH   SOLE 0 244 0 0
Amdocs Limited Common Stock com G02602103   2,523 25,526 SH   SOLE 0 2,523 0 0
American Electric Power Co., Inc com 025537101   232 2,757 SH   SOLE 0 232 0 0
American Express Company com 025816109   271 1,557 SH   SOLE 0 271 0 0
American Financial Group com 025932104   398 3,351 SH   SOLE 0 398 0 0
American Intl Group Inc com 026874784   734 12,755 SH   SOLE 0 734 0 0
American Tower Corporation com 03027X100   3,573 18,424 SH   SOLE 0 3,573 0 0
Americas Car-Mart Inc com 03062T105   438 4,385 SH   SOLE 0 438 0 0
Ameriprise Financial, Inc. com 03076C106   8,531 25,683 SH   SOLE 0 8,531 0 0
Amerisource Bergen com 03073E105   1,552 8,067 SH   SOLE 0 1,552 0 0
Amgen Incorporated com 031162100   8,309 37,424 SH   SOLE 0 8,309 0 0
Amkor Technology Inc com 031652100   829 27,850 SH   SOLE 0 829 0 0
AMN Healthcare Services, Inc. com 001744101   295 2,706 SH   SOLE 0 295 0 0
Apple Computer Inc com 037833100   48,651 250,815 SH   SOLE 0 48,651 0 0
Applied Materials Inc com 038222105   1,275 8,821 SH   SOLE 0 1,275 0 0
Archer-Daniels-Midland Co. com 039483102   2,853 37,761 SH   SOLE 0 2,853 0 0
Armada Hoffler Properties, Inc. com 04208T108   2,754 235,770 SH   SOLE 0 2,754 0 0
Arrow Electronics, Inc. com 042735100   1,234 8,617 SH   SOLE 0 1,234 0 0
Automatic Data Processing, Inc. com 053015103   1,547 7,038 SH   SOLE 0 1,547 0 0
AutoZone Inc com 053332102   2,718 1,090 SH   SOLE 0 2,718 0 0
Avantis Emerging Markets Equity ETF ETF 025072604   29,770 553,249 SH   SOLE 0 29,770 0 0
Avantis US Small Cap Value ETF com 025072877   1,738 22,393 SH   SOLE 0 1,738 0 0
Avnet, Inc. com 053807103   5,978 118,498 SH   SOLE 0 5,978 0 0
Bank of America Corp com 060505104   734 25,594 SH   SOLE 0 734 0 0
Bank of Montreal com 063671101   1,637 18,123 SH   SOLE 0 1,637 0 0
Becton Dickinson & Co com 075887109   2,768 10,486 SH   SOLE 0 2,768 0 0
Belden Inc com 077454106   2,732 28,562 SH   SOLE 0 2,732 0 0
Berkshire Hathaway Cl B com 084670702   350 1,026 SH   SOLE 0 350 0 0
Best Buy Inc com 086516101   3,686 44,975 SH   SOLE 0 3,686 0 0
BlackRock, Inc com 09247X101   205 297 SH   SOLE 0 205 0 0
Booz Allen Hamilton Holdings Corporation com 099502106   1,109 9,940 SH   SOLE 0 1,109 0 0
BorgWarner Inc com 099724106   1,048 21,420 SH   SOLE 0 1,048 0 0
BP PLC Adr ADR 055622104   917 25,985 SH   SOLE 0 917 0 0
Bristol-Myers Squibb Co com 110122108   3,099 48,453 SH   SOLE 0 3,099 0 0
Broadcom Limited com 11135F101   5,455 6,289 SH   SOLE 0 5,455 0 0
Broadstone Net Lease, Inc. com 11135E203   184 11,939 SH   SOLE 0 184 0 0
Bunge Ltd. com G16962105   973 10,308 SH   SOLE 0 973 0 0
C V S Caremark Corp. com 126650100   5,009 72,451 SH   SOLE 0 5,009 0 0
Cabot Corporation com 127055101   1,228 18,352 SH   SOLE 0 1,228 0 0
Camden Property Trust com 133131102   5,905 54,239 SH   SOLE 0 5,905 0 0
Canadian Natl RR Co. com 136375102   627 5,181 SH   SOLE 0 627 0 0
Canadian Natural Resources Limited com 136385101   1,252 22,254 SH   SOLE 0 1,252 0 0
Cardinal Health Inc com 14149Y108   4,077 43,112 SH   SOLE 0 4,077 0 0
Carrier Global Corp com 14448C104   722 14,532 SH   SOLE 0 722 0 0
Caterpillar Inc com 149123101   3,864 15,703 SH   SOLE 0 3,864 0 0
CDW Corporation com 12514G108   4,521 24,640 SH   SOLE 0 4,521 0 0
Celanese Corporation com 150870103   564 4,871 SH   SOLE 0 564 0 0
Century Communities, Inc com 156504300   350 4,565 SH   SOLE 0 350 0 0
CF Industries Holdings, Inc. com 125269100   969 13,957 SH   SOLE 0 969 0 0
Chevron Corp com 166764100   4,138 26,296 SH   SOLE 0 4,138 0 0
Chubb Ltd com H1467J104   1,222 6,346 SH   SOLE 0 1,222 0 0
CIGNA Corp com 125523100   1,184 4,221 SH   SOLE 0 1,184 0 0
Cincinnati Financial Cp com 172062101   593 6,098 SH   SOLE 0 593 0 0
Cisco Systems Inc com 17275R102   11,424 220,795 SH   SOLE 0 11,424 0 0
Citigroup Inc com 172967424   222 4,827 SH   SOLE 0 222 0 0
Civitas Resources, Inc. com 17888H103   946 13,641 SH   SOLE 0 946 0 0
CMS Energy Corp com 125896100   594 10,111 SH   SOLE 0 594 0 0
Coca Cola Company com 191216100   293 4,858 SH   SOLE 0 293 0 0
Cognizant Technology Solutions Corp. com 192446102   1,983 30,376 SH   SOLE 0 1,983 0 0
Comcast Corp com 20030N101   1,344 32,341 SH   SOLE 0 1,344 0 0
ConAgra Brands, Inc. com 205887102   2,711 80,385 SH   SOLE 0 2,711 0 0
ConocoPhillips com 20825C104   1,327 12,812 SH   SOLE 0 1,327 0 0
Consol Energy, Inc. com 20854L108   1,452 21,406 SH   SOLE 0 1,452 0 0
Constellation Energy Co com 21037T109   1,421 15,517 SH   SOLE 0 1,421 0 0
Corning Inc com 219350105   5,780 164,959 SH   SOLE 0 5,780 0 0
Corp Office Pptys Sbi com 22002T108   2,150 90,537 SH   SOLE 0 2,150 0 0
Costco Whsl Corp New com 22160K105   337 626 SH   SOLE 0 337 0 0
Coterra Energy Inc. com 127097103   564 22,285 SH   SOLE 0 564 0 0
Crane Company com 224399105   278 4,919 SH   SOLE 0 278 0 0
Crown Castle Intl Corp (REIT) com 22822V101   953 8,361 SH   SOLE 0 953 0 0
CubeSmart com 229663109   2,277 50,975 SH   SOLE 0 2,277 0 0
Cummins Inc com 231021106   6,976 28,453 SH   SOLE 0 6,976 0 0
D R Horton Co com 23331A109   8,904 73,172 SH   SOLE 0 8,904 0 0
Danaher Corp Del com 235851102   472 1,967 SH   SOLE 0 472 0 0
Deere & Co com 244199105   1,142 2,818 SH   SOLE 0 1,142 0 0
Dell Inc. com 24703L202   237 4,382 SH   SOLE 0 237 0 0
Diamondback Energy, Inc. com 25278X109   844 6,423 SH   SOLE 0 844 0 0
Dick's Sporting Goods Inc. com 253393102   6,025 45,578 SH   SOLE 0 6,025 0 0
Dimensional Emerging Core Equity Market ETF ETF 25434V302   1,078 45,934 SH   SOLE 0 1,078 0 0
Dimensional Emerging Markets ETF 25434V732   318 13,207 SH   SOLE 0 318 0 0
Discover Financial Services com 254709108   5,657 48,412 SH   SOLE 0 5,657 0 0
Disney Walt Hldg Co com 254687106   397 4,442 SH   SOLE 0 397 0 0
DoubleLine Income Solutions Fund com 258622109   918 77,063 SH   SOLE 0 918 0 0
Dover Corporation com 260003108   422 2,855 SH   SOLE 0 422 0 0
EastGroup Properties Inc. com 277276101   355 2,045 SH   SOLE 0 355 0 0
Eaton Corporation plc com G29183103   3,434 17,077 SH   SOLE 0 3,434 0 0
Edison International com 281020107   3,705 53,346 SH   SOLE 0 3,705 0 0
Electronic Arts Inc. com 285512109   1,653 12,742 SH   SOLE 0 1,653 0 0
Elevance Health Inc. com 036752103   963 2,168 SH   SOLE 0 963 0 0
Eli Lilly & Company com 532457108   512 1,091 SH   SOLE 0 512 0 0
Emerson Electric Co com 291011104   552 6,112 SH   SOLE 0 552 0 0
Encompass Health Corp com 29261A100   1,464 21,624 SH   SOLE 0 1,464 0 0
Entergy Corp New com 29364G103   1,058 10,863 SH   SOLE 0 1,058 0 0
EOG Resources, Inc com 26875P101   5,032 43,970 SH   SOLE 0 5,032 0 0
Equinor ASA ADR 29446M102   256 8,768 SH   SOLE 0 256 0 0
Equitable Holdings, Inc. com 29452E101   3,397 125,076 SH   SOLE 0 3,397 0 0
Everest Re Group Ltd com G3223R108   4,294 12,561 SH   SOLE 0 4,294 0 0
Exelon Corporation com 30161N101   2,237 54,920 SH   SOLE 0 2,237 0 0
Expeditors International of Washington Inc. com 302130109   718 5,930 SH   SOLE 0 718 0 0
Exxon Mobil Corporation com 30231G102   6,919 64,510 SH   SOLE 0 6,919 0 0
FedEx Corp. com 31428X106   864 3,487 SH   SOLE 0 864 0 0
Fidelity MSCI Real Estate Index ETF ETF 316092857   555 22,104 SH   SOLE 0 555 0 0
Fidelity National Finl. com 31620R303   2,317 64,353 SH   SOLE 0 2,317 0 0
Fifth Third Bancorp com 316773100   728 27,766 SH   SOLE 0 728 0 0
First American Financial Corp com 31847R102   227 3,983 SH   SOLE 0 227 0 0
First BanCorp. com 318672706   137 11,244 SH   SOLE 0 137 0 0
First Industrial Rlty Trust com 32054K103   1,328 25,228 SH   SOLE 0 1,328 0 0
First Trust Managed Municipal ETF ETF 33739N108   1,982 39,106 SH   SOLE 0 1,982 0 0
Fiserv, Inc. com 337738108   495 3,926 SH   SOLE 0 495 0 0
Ford Motor Company com 345370860   1,282 84,714 SH   SOLE 0 1,282 0 0
Franklin Resources Inc com 354613101   800 29,942 SH   SOLE 0 800 0 0
General Dynamics Corp com 369550108   5,915 27,492 SH   SOLE 0 5,915 0 0
General Mills Inc com 370334104   2,839 37,009 SH   SOLE 0 2,839 0 0
Genuine Parts Co com 372460105   740 4,373 SH   SOLE 0 740 0 0
Gilead Sciences Inc com 375558103   442 5,741 SH   SOLE 0 442 0 0
Global X MLP & Energy Infrastructure ETF ETF 37954Y293   599 14,402 SH   SOLE 0 599 0 0
Goldman Sachs Group Inc com 38141G104   3,543 10,983 SH   SOLE 0 3,543 0 0
Group 1 Automotive, Inc. com 398905109   3,017 11,689 SH   SOLE 0 3,017 0 0
Hartford Financial Services com 416515104   6,846 95,052 SH   SOLE 0 6,846 0 0
Hartford Multifactor Developed Markets ETF ETF 518416102   44,938 1,707,357 SH   SOLE 0 44,938 0 0
Hasbro Inc com 418056107   871 13,449 SH   SOLE 0 871 0 0
HCA Holdings, Inc. com 40412C101   9,886 32,575 SH   SOLE 0 9,886 0 0
Henry Schein, Inc. com 806407102   221 2,725 SH   SOLE 0 221 0 0
Hewlett Packard Enterprise Comp com 42824C109   6,229 370,770 SH   SOLE 0 6,229 0 0
Home Depot Inc com 437076102   2,699 8,689 SH   SOLE 0 2,699 0 0
Honda Motor Co Adr com 438128308   2,309 76,171 SH   SOLE 0 2,309 0 0
Honeywell International com 438516106   2,120 10,218 SH   SOLE 0 2,120 0 0
Host Hotels & Resorts Inc. com 44107P104   1,428 84,821 SH   SOLE 0 1,428 0 0
HP Inc. com 40434L105   4,709 153,329 SH   SOLE 0 4,709 0 0
Hubbell Inc Class B com 443510607   259 781 SH   SOLE 0 259 0 0
Huntington Bancshares Incorporated com 446150104   211 19,575 SH   SOLE 0 211 0 0
Illinois Tool Works com 452308109   1,055 4,218 SH   SOLE 0 1,055 0 0
Independence Realty Trust Inc. com 45378A106   564 30,937 SH   SOLE 0 564 0 0
Infosys Limited ADR 456788108   3,204 199,400 SH   SOLE 0 3,204 0 0
Ingredion Incorporated com 457187102   494 4,666 SH   SOLE 0 494 0 0
Intel Corp com 458140100   229 6,840 SH   SOLE 0 229 0 0
Interpublic Group of Companies com 460690100   1,239 32,117 SH   SOLE 0 1,239 0 0
Intl Business Machines com 459200101   4,493 33,574 SH   SOLE 0 4,493 0 0
Invesco Emerging Mkts Sovereign Debt ETF ETF 46138E784   205 10,526 SH   SOLE 0 205 0 0
Invesco FTSE RAFI Dev Mkts ex-US ETF ETF 46138E743   779 17,328 SH   SOLE 0 779 0 0
Invesco FTSE RAFI Emerging Markets ETF ETF 46138E727   3,971 213,063 SH   SOLE 0 3,971 0 0
Invesco FTSE RAFI US 1000 ETF ETF 46137V613   484 2,960 SH   SOLE 0 484 0 0
Invesco QQQ ETF ETF 46090E103   248 670 SH   SOLE 0 248 0 0
Invitation Homes Inc. com 46187W107   403 11,717 SH   SOLE 0 403 0 0
Iron Mountain Incorporated com 46284V101   1,700 29,915 SH   SOLE 0 1,700 0 0
iShares 0-5 Year High Yield Corp Bond ETF iShares 46434V407   244 5,885 SH   SOLE 0 244 0 0
iShares 20 Year Treasury Bond ETF iShares 464287432   4,631 44,989 SH   SOLE 0 4,631 0 0
iShares Barclays TIPS Bond ETF 464287176   3,139 29,171 SH   SOLE 0 3,139 0 0
iShares Core MSCI EAFE ETF ETF 46432F842   1,034 15,322 SH   SOLE 0 1,034 0 0
iShares Core MSCI Emerging Markets ETF ETF 46434G103   256 5,187 SH   SOLE 0 256 0 0
iShares Core S&P 500 ETF ETF 464287200   564 1,265 SH   SOLE 0 564 0 0
iShares Core S&P Mid-Cap ETF ETF 464287507   228 872 SH   SOLE 0 228 0 0
iShares Core US REIT ETF iShares 464288521   268 5,222 SH   SOLE 0 268 0 0
iShares Edge MSCI Mltfct USA SmCp ETF ETF 46434V290   1,169 21,808 SH   SOLE 0 1,169 0 0
iShares Edge MSCI Multifactor Intl ETF ETF 46434V274   16,383 611,089 SH   SOLE 0 16,383 0 0
iShares Edge MSCI Multifactor USA ETF ETF 46434V282   9,643 216,399 SH   SOLE 0 9,643 0 0
iShares Emerging Markets Local Currency Bond ETF ETF 464286517   2,919 78,852 SH   SOLE 0 2,919 0 0
iShares Global Clean Energy ETF ETF 464288224   292 15,884 SH   SOLE 0 292 0 0
iShares JPMorgan USD Emerg Markets Bond ETF ETF 464288281   6,755 78,062 SH   SOLE 0 6,755 0 0
iShares MBS Bond ETF ETF 464288588   3,749 40,198 SH   SOLE 0 3,749 0 0
iShares MSCI EAFE ETF ETF 464287465   13,216 182,294 SH   SOLE 0 13,216 0 0
iShares MSCI EAFE Min Volatility ETF ETF 46429B689   2,480 36,734 SH   SOLE 0 2,480 0 0
iShares MSCI Emerging Markets Index ETF ETF 464287234   2,910 73,565 SH   SOLE 0 2,910 0 0
iShares Natl Amt-Free Muni Bond ETF ETF 464288414   6,519 61,083 SH   SOLE 0 6,519 0 0
iShares Russell 1000 ETF ETF 464287622   327 1,340 SH   SOLE 0 327 0 0
iShares Russell 1000 Growth ETF iShares 464287614   232 843 SH   SOLE 0 232 0 0
iShares Russell Mid-cap Value ETF ETF 464287473   288 2,626 SH   SOLE 0 288 0 0
iShares S&P Mid-Cap 400 Value ETF ETF 464287705   379 3,540 SH   SOLE 0 379 0 0
iShares S&P Small-Cap 600 Value ETF iShares 464287879   217 2,277 SH   SOLE 0 217 0 0
iShares S&P Small-Cap ETF ETF 464287804   358 3,596 SH   SOLE 0 358 0 0
iShares Short-Term National Muni Bond ETF ETF 464288158   539 5,179 SH   SOLE 0 539 0 0
iShares Trust - U.S. Treasury Bond ETF iShares 46429B267   847 36,987 SH   SOLE 0 847 0 0
J M Smuckers Co com 832696405   4,172 28,253 SH   SOLE 0 4,172 0 0
J P Morgan Chase & Co. com 46625H100   9,104 62,599 SH   SOLE 0 9,104 0 0
Jabil Circuit Inc. com 466313103   5,006 46,381 SH   SOLE 0 5,006 0 0
Janus Henderson Mortgage-Backed ETF ETF 47103U852   15,239 333,030 SH   SOLE 0 15,239 0 0
Johnson & Johnson com 478160104   7,340 44,345 SH   SOLE 0 7,340 0 0
JPMorgan Diversified Return U.S. Equity ETF ETF 46641Q407   450 4,601 SH   SOLE 0 450 0 0
JPMorgan Ultra-Short Income ETF ETF 46641Q837   1,781 35,515 SH   SOLE 0 1,781 0 0
Juniper Networks Inc com 48203R104   733 23,389 SH   SOLE 0 733 0 0
K L A Tencor Corp com 482480100   532 1,096 SH   SOLE 0 532 0 0
Kellogg Company com 487836108   350 5,189 SH   SOLE 0 350 0 0
Kimberly-Clark Corp com 494368103   623 4,512 SH   SOLE 0 623 0 0
Kimco Realty Corp com 49446R109   216 10,973 SH   SOLE 0 216 0 0
Kinder Morgan, Inc. com 49456B101   1,915 111,200 SH   SOLE 0 1,915 0 0
Kite Realty Group com 49803T300   2,445 109,450 SH   SOLE 0 2,445 0 0
Knife River Corp com 498894104   466 10,710 SH   SOLE 0 466 0 0
Kroger Company com 501044101   11,054 235,189 SH   SOLE 0 11,054 0 0
Lab Cp Of Amer Hldg New com 50540R409   1,697 7,033 SH   SOLE 0 1,697 0 0
Lamar Advertising Co A com 512816109   2,348 23,659 SH   SOLE 0 2,348 0 0
Leidos Holdings Inc com 525327102   1,219 13,778 SH   SOLE 0 1,219 0 0
Lennar Corp Cl A com 526057104   2,673 21,333 SH   SOLE 0 2,673 0 0
Lexington Realty Trust com 529043101   581 59,541 SH   SOLE 0 581 0 0
Life Storage Inc. com 53223X107   2,859 21,500 SH   SOLE 0 2,859 0 0
LKQ Corp. com 501889208   6,695 114,889 SH   SOLE 0 6,695 0 0
Lockheed Martin Corp com 539830109   4,118 8,944 SH   SOLE 0 4,118 0 0
Louisiana-Pacific Corp com 546347105   483 6,444 SH   SOLE 0 483 0 0
Lowes Companies Inc com 548661107   6,114 27,089 SH   SOLE 0 6,114 0 0
LPL Financial Hldgs Inc com 50212V100   277 1,275 SH   SOLE 0 277 0 0
LTC Properties Inc. com 502175102   619 18,747 SH   SOLE 0 619 0 0
LyondellBasell Industrials NV com N53745100   4,699 51,171 SH   SOLE 0 4,699 0 0
M&T Bank Corporation com 55261F104   709 5,730 SH   SOLE 0 709 0 0
Manulife Financial Corporation com 56501R106   3,985 210,745 SH   SOLE 0 3,985 0 0
Marathon Petroleum Corporation com 56585A102   1,961 16,820 SH   SOLE 0 1,961 0 0
Masco Corporation com 574599106   700 12,200 SH   SOLE 0 700 0 0
Mastercard Incorporated com 57636Q104   577 1,467 SH   SOLE 0 577 0 0
McDonald's Corp. com 580135101   2,541 8,515 SH   SOLE 0 2,541 0 0
McKesson HBOC Inc com 58155Q103   9,526 22,294 SH   SOLE 0 9,526 0 0
MDU Resources Group, Inc. com 552690109   1,021 48,735 SH   SOLE 0 1,021 0 0
Medtronic PLC com G5960L103   737 8,367 SH   SOLE 0 737 0 0
Merck & Co Inc com 58933Y105   5,393 46,735 SH   SOLE 0 5,393 0 0
Meta Platforms, Inc. com 30303M102   5,255 18,313 SH   SOLE 0 5,255 0 0
Metlife Inc com 59156R108   5,103 90,272 SH   SOLE 0 5,103 0 0
MGIC Investment Corp com 552848103   2,078 131,584 SH   SOLE 0 2,078 0 0
Microchip Technology Inc com 595017104   2,577 28,761 SH   SOLE 0 2,577 0 0
Microsoft Corp com 594918104   21,498 63,130 SH   SOLE 0 21,498 0 0
Morgan Stanley com 617446448   2,448 28,663 SH   SOLE 0 2,448 0 0
Murphy USA, Inc com 626755102   509 1,635 SH   SOLE 0 509 0 0
National Fuel Gas Co com 636180101   616 11,997 SH   SOLE 0 616 0 0
Network Appliance Inc com 64110D104   2,712 35,501 SH   SOLE 0 2,712 0 0
Newmont Mining Corp com 651639106   279 6,543 SH   SOLE 0 279 0 0
NexPoint Residential Trust, Inc. com 65341D102   814 17,903 SH   SOLE 0 814 0 0
Nexstar Media Group com 65336K103   6,164 37,008 SH   SOLE 0 6,164 0 0
Norfolk Southern Corp com 655844108   230 1,014 SH   SOLE 0 230 0 0
Northern Oil and Gas, Inc. com 665531307   344 10,022 SH   SOLE 0 344 0 0
Northrop Grumman Corp com 666807102   1,585 3,477 SH   SOLE 0 1,585 0 0
NortonLifeLock Inc. com 668771108   446 24,049 SH   SOLE 0 446 0 0
Novartis A G Spon Adr ADR 66987V109   366 3,623 SH   SOLE 0 366 0 0
NRG Energy, Inc com 629377508   1,111 29,723 SH   SOLE 0 1,111 0 0
Nucor Corp com 670346105   5,004 30,515 SH   SOLE 0 5,004 0 0
Nutrien Ltd. com 67077M108   1,248 21,135 SH   SOLE 0 1,248 0 0
OGE Energy Corp com 670837103   332 9,257 SH   SOLE 0 332 0 0
Old Republic International Corporation com 680223104   234 9,312 SH   SOLE 0 234 0 0
Omega Healthcare Investors Inc. com 681936100   4,045 131,798 SH   SOLE 0 4,045 0 0
Omnicom Group Inc com 681919106   7,821 82,197 SH   SOLE 0 7,821 0 0
ONEOK Inc com 682680103   532 8,622 SH   SOLE 0 532 0 0
Oracle Corporation com 68389X105   16,759 140,725 SH   SOLE 0 16,759 0 0
Organon & Co. Common Stock com 68622V106   889 42,706 SH   SOLE 0 889 0 0
Otis Worldwide Corp com 68902V107   385 4,326 SH   SOLE 0 385 0 0
Otter Tail Corporation com 689648103   802 10,161 SH   SOLE 0 802 0 0
Outfront Media Inc com 69007J106   1,043 66,345 SH   SOLE 0 1,043 0 0
Owens Corning Inc. com 690742101   4,333 33,206 SH   SOLE 0 4,333 0 0
Oxford Industries, Inc. com 691497309   1,063 10,804 SH   SOLE 0 1,063 0 0
PACCAR Inc com 693718108   7,215 86,256 SH   SOLE 0 7,215 0 0
Pacer Benchmark Data & Infrastructure Real Estate ETF com 69374H741   11,997 410,865 SH   SOLE 0 11,997 0 0
Parker-Hannifin Corporation com 701094104   253 648 SH   SOLE 0 253 0 0
Patrick Industries Inc. com 703343103   494 6,178 SH   SOLE 0 494 0 0
Patterson Companies Inc. com 703395103   2,969 89,280 SH   SOLE 0 2,969 0 0
Paychex Inc com 704326107   409 3,654 SH   SOLE 0 409 0 0
PDC Energy, Inc. com 69327R101   482 6,771 SH   SOLE 0 482 0 0
PennyMac Financial Services, Inc. com 70932M107   208 2,963 SH   SOLE 0 208 0 0
PepsiCo Incorporated com 713448108   1,303 7,033 SH   SOLE 0 1,303 0 0
Petroleo Brasileiro ADR 71654V408   2,928 211,688 SH   SOLE 0 2,928 0 0
Pfizer Incorporated com 717081103   7,667 209,034 SH   SOLE 0 7,667 0 0
Phillips 66 com 718546104   547 5,733 SH   SOLE 0 547 0 0
PIMCO Intermediate Muni Bond Strgy ETF ETF 72201R866   3,587 69,201 SH   SOLE 0 3,587 0 0
Pioneer Natural Resources Co. com 723787107   636 3,067 SH   SOLE 0 636 0 0
Plymouth Industrial REIT, Inc. com 729640102   3,252 141,278 SH   SOLE 0 3,252 0 0
PNC Financial Services com 693475105   235 1,862 SH   SOLE 0 235 0 0
Polaris Industries Inc. com 731068102   470 3,888 SH   SOLE 0 470 0 0
Popular Inc com 733174700   708 11,703 SH   SOLE 0 708 0 0
Potlatch Corporation com 737630103   3,295 62,349 SH   SOLE 0 3,295 0 0
PPG Industries Inc com 693506107   248 1,673 SH   SOLE 0 248 0 0
Premier, Inc. com 74051N102   986 35,652 SH   SOLE 0 986 0 0
Prestige Brands Holdings, Inc. com 74112D101   245 4,122 SH   SOLE 0 245 0 0
Principal Financial Group Inc. com 74251V102   2,898 38,212 SH   SOLE 0 2,898 0 0
Procter & Gamble com 742718109   10,830 71,374 SH   SOLE 0 10,830 0 0
Progressive Corp. com 743315103   1,130 8,538 SH   SOLE 0 1,130 0 0
ProLogis com 74340W103   342 2,791 SH   SOLE 0 342 0 0
Prudential Financial Inc com 744320102   2,717 30,798 SH   SOLE 0 2,717 0 0
Pub Svc Enterprise Group com 744573106   255 4,073 SH   SOLE 0 255 0 0
Public Storage com 74460D109   374 1,281 SH   SOLE 0 374 0 0
PulteGroup Inc com 745867101   5,985 77,047 SH   SOLE 0 5,985 0 0
Qualcomm Inc com 747525103   302 2,533 SH   SOLE 0 302 0 0
Quest Diagnostic Inc com 74834L100   5,594 39,801 SH   SOLE 0 5,594 0 0
Range Resources Corporation com 75281A109   355 12,065 SH   SOLE 0 355 0 0
Raytheon Technologies Co com 75513E101   1,149 11,731 SH   SOLE 0 1,149 0 0
Regions Financial Cp New com 7591EP100   3,901 218,908 SH   SOLE 0 3,901 0 0
Reinsurance Group of America com 759351604   1,711 12,335 SH   SOLE 0 1,711 0 0
Reliance Steel & Aluminum Co com 759509102   3,620 13,328 SH   SOLE 0 3,620 0 0
Republic Services, Inc com 760759100   204 1,335 SH   SOLE 0 204 0 0
RLJ Lodging Trust com 74965L101   2,066 201,180 SH   SOLE 0 2,066 0 0
SBA Communications Corporation com 78410G104   2,488 10,734 SH   SOLE 0 2,488 0 0
Schwab Emerging Mkts Equity ETF ETF 808524706   881 35,774 SH   SOLE 0 881 0 0
Schwab Fundamental Emerg Mkts Lg Co ETF ETF 808524730   37,296 1,393,191 SH   SOLE 0 37,296 0 0
Schwab Fundamental Intl Lg Co ETF ETF 808524755   67,900 2,102,804 SH   SOLE 0 67,900 0 0
Schwab Fundamental US Large Company ETF ETF 808524771   5,364 93,172 SH   SOLE 0 5,364 0 0
Schwab Fundamental US Small Company ETF ETF 808524763   12,755 252,834 SH   SOLE 0 12,755 0 0
Schwab Intermediate-Term U.S. Trsy ETF ETF 808524854   22,587 458,334 SH   SOLE 0 22,587 0 0
Schwab International Equity ETF ETF 808524805   49,580 1,390,734 SH   SOLE 0 49,580 0 0
Schwab U.S. Dividend Equity ETF ETF 808524797   325 4,479 SH   SOLE 0 325 0 0
Schwab U.S. REIT ETF ETF 808524847   17,995 921,390 SH   SOLE 0 17,995 0 0
Schwab U.S. Small-Cap ETF ETF 808524607   259 5,915 SH   SOLE 0 259 0 0
Schwab US Broad Mkt ETF ETF 808524102   529 10,224 SH   SOLE 0 529 0 0
Schwab US TIPS ETF ETF 808524870   17,984 343,008 SH   SOLE 0 17,984 0 0
Seagate Technology PLC F com G7997R103   1,727 27,913 SH   SOLE 0 1,727 0 0
Select Medical Holdings Corp com 81619Q105   485 15,230 SH   SOLE 0 485 0 0
Service PPTYS Tr REIT com 81761L102   156 18,005 SH   SOLE 0 156 0 0
Shell plc com 780259305   2,492 41,266 SH   SOLE 0 2,492 0 0
Simon Ppty Group New com 828806109   2,266 19,620 SH   SOLE 0 2,266 0 0
Snap On Inc com 833034101   5,085 17,644 SH   SOLE 0 5,085 0 0
SPDR Barclays Cap Interm Term Corp Bond ETF ETF 78464A375   4,275 133,121 SH   SOLE 0 4,275 0 0
SPDR Nuveen S&P High Yield Muni Bond ETF ETF 78464A284   229 9,147 SH   SOLE 0 229 0 0
SPDR Portfolio High Yield Bond ETF ETF 78468R606   1,154 50,545 SH   SOLE 0 1,154 0 0
SPDR Portfolio Mortgage Backed Bond ETF ETF 78464A383   505 23,056 SH   SOLE 0 505 0 0
Sprouts Farmers Market com 85208M102   907 24,704 SH   SOLE 0 907 0 0
STAG Industrial, Inc. com 85254J102   2,500 69,669 SH   SOLE 0 2,500 0 0
Steel Dynamics, Inc. com 858119100   2,750 25,248 SH   SOLE 0 2,750 0 0
Stryker Corp com 863667101   211 692 SH   SOLE 0 211 0 0
Sun Communities Inc com 866674104   1,036 7,941 SH   SOLE 0 1,036 0 0
Sylvamo Corporation com 871332102   533 13,188 SH   SOLE 0 533 0 0
SYNNEX Corp. com 87162W100   288 3,067 SH   SOLE 0 288 0 0
Taiwan Semiconductor Manufacturing Co. com 874039100   234 2,319 SH   SOLE 0 234 0 0
Target Corporation com 87612E106   2,798 21,214 SH   SOLE 0 2,798 0 0
TE Connectivity Ltd. com H84989104   2,187 15,606 SH   SOLE 0 2,187 0 0
Technology Select Sector SPDR ETF ETF 81369Y803   249 1,434 SH   SOLE 0 249 0 0
TEGNA, Inc. com 87901J105   191 11,731 SH   SOLE 0 191 0 0
Texas Instruments Inc com 882508104   6,389 35,489 SH   SOLE 0 6,389 0 0
The Andersons Inc. com 034164103   603 13,063 SH   SOLE 0 603 0 0
The Chemours Company com 163851108   248 6,727 SH   SOLE 0 248 0 0
The Kraft Heinz Company com 500754106   1,441 40,603 SH   SOLE 0 1,441 0 0
The Macerich Co com 554382101   564 50,079 SH   SOLE 0 564 0 0
The Necessity Retail REIT, Inc. com 02607T109   827 122,310 SH   SOLE 0 827 0 0
The Real Estate Select Sector SPDR Fund com 81369Y860   3,408 90,427 SH   SOLE 0 3,408 0 0
Thermo Fisher Scientific Inc. com 883556102   4,061 7,784 SH   SOLE 0 4,061 0 0
TJX Cos Inc com 872540109   1,693 19,971 SH   SOLE 0 1,693 0 0
Toronto-Dominion Bank com 891160509   2,248 36,257 SH   SOLE 0 2,248 0 0
Tortoise North American Pipeline Fund com 56167N720   17,121 694,482 SH   SOLE 0 17,121 0 0
TotalEnergies SE ADR 89151E109   1,987 34,471 SH   SOLE 0 1,987 0 0
Toyota Motor Corporation ADR 892331307   7,373 45,864 SH   SOLE 0 7,373 0 0
Transocean LTD. com H8817H100   87 12,475 SH   SOLE 0 87 0 0
Travelers Companies Inc com 89417E109   4,024 23,174 SH   SOLE 0 4,024 0 0
Triton International Limited com G9078F107   4,691 56,347 SH   SOLE 0 4,691 0 0
Twenty-First Century Fox, Inc. Cl A com 35137L105   4,216 124,001 SH   SOLE 0 4,216 0 0
Tyson Foods Inc com 902494103   2,172 42,563 SH   SOLE 0 2,172 0 0
UGI Corporation New com 902681105   3,808 141,191 SH   SOLE 0 3,808 0 0
Union Pacific com 907818108   3,807 18,607 SH   SOLE 0 3,807 0 0
United Parcel Service, Inc. com 911312106   965 5,385 SH   SOLE 0 965 0 0
United Rentals, Inc. com 911363109   3,075 6,905 SH   SOLE 0 3,075 0 0
UnitedHealth Group Inc. com 91324P102   3,595 7,479 SH   SOLE 0 3,595 0 0
Uniti Group Inc. com 91325V108   305 65,989 SH   SOLE 0 305 0 0
Universal Health Services Inc. com 913903100   210 1,328 SH   SOLE 0 210 0 0
Unum Group com 91529Y106   5,110 107,121 SH   SOLE 0 5,110 0 0
US Bancorp com 902973304   506 15,317 SH   SOLE 0 506 0 0
Valero Energy Corp New com 91913Y100   1,334 11,375 SH   SOLE 0 1,334 0 0
VanEck Long Muni ETF ETF 92189F536   332 18,504 SH   SOLE 0 332 0 0
VanEck Vectors Gold Miners ETF ETF 92189F106   274 9,106 SH   SOLE 0 274 0 0
VanEck Vectors High-Yield Muni ETF ETF 92189H409   970 18,891 SH   SOLE 0 970 0 0
VanEck Vectors Intermediate Muni ETF ETF 92189H201   488 10,586 SH   SOLE 0 488 0 0
VanEck Vectors Junior Gold Miners ETF ETF 92189F791   503 14,095 SH   SOLE 0 503 0 0
Vanguard Dividend Appreciation ETF ETF 921908844   313 1,928 SH   SOLE 0 313 0 0
Vanguard Emerging Markets Stock ETF ETF 922042858   254 6,245 SH   SOLE 0 254 0 0
Vanguard Interm-Tm Govt Bd Inx ETF ETF 92206C706   7,957 135,638 SH   SOLE 0 7,957 0 0
Vanguard Reit Index ETF ETF 922908553   6,134 73,404 SH   SOLE 0 6,134 0 0
Vanguard Russell 1000 ETF ETF 92206C730   3,879 19,246 SH   SOLE 0 3,879 0 0
Vanguard S&P 500 ETF ETF 922908363   324 796 SH   SOLE 0 324 0 0
Vanguard Small Cap Value ETF ETF 922908611   5,477 33,111 SH   SOLE 0 5,477 0 0
Vanguard Tax-Exempt Bond Index ETF ETF 922907746   7,571 150,757 SH   SOLE 0 7,571 0 0
Vanguard Total Bond Market ETF ETF 921937835   4,630 63,699 SH   SOLE 0 4,630 0 0
Vanguard Total International Stock ETF ETF 921909768   244 4,346 SH   SOLE 0 244 0 0
Vanguard Total Stock Market ETF ETF 922908769   488 2,216 SH   SOLE 0 488 0 0
Vanguard Value ETF ETF 922908744   825 5,809 SH   SOLE 0 825 0 0
Verizon Communications com 92343V104   5,850 157,311 SH   SOLE 0 5,850 0 0
Vertex Pharmaceuticals Inc. com 92532F100   201 572 SH   SOLE 0 201 0 0
Viatris Inc com 92556V106   167 16,686 SH   SOLE 0 167 0 0
Visa, Inc. com 92826C839   1,060 4,463 SH   SOLE 0 1,060 0 0
Vishay Intertechnology Inc. com 928298108   3,846 130,813 SH   SOLE 0 3,846 0 0
Vistra Corp. com 92840M102   287 10,940 SH   SOLE 0 287 0 0
W.W. Grainger, Inc. com 384802104   281 356 SH   SOLE 0 281 0 0
Walgreens Boots Alliance Inc. com 931427108   744 26,125 SH   SOLE 0 744 0 0
Wal-Mart Stores Inc com 931142103   10,313 65,614 SH   SOLE 0 10,313 0 0
Weyerhaeuser Co com 962166104   3,262 97,354 SH   SOLE 0 3,262 0 0
Whirlpool Corp com 963320106   1,269 8,526 SH   SOLE 0 1,269 0 0
Whitestone REIT com 966084204   1,549 159,729 SH   SOLE 0 1,549 0 0
Williams Sonoma com 969904101   1,134 9,058 SH   SOLE 0 1,134 0 0
Xtrackers Muni Infra Rev Bond ETF ETF 233051705   302 11,976 SH   SOLE 0 302 0 0
Ziff Davis, Inc. com 48123V102   467 6,669 SH   SOLE 0 467 0 0