# EDGAR Filing Document

**Accession Number:** 0001841174
**File Stem:** 0001841174-23-000001
**Filing Date:** 2023-2
**Character Count:** 28697
**Document Hash:** 38dcaf5c81269fa383e9b637a11222a4
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001841174-23-000001.hdr.sgml**: 20230213

**ACCESSION NUMBER**: 0001841174-23-000001

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230213

**DATE AS OF CHANGE**: 20230213

**EFFECTIVENESS DATE**: 20230213

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Clear Perspectives Financial Planning, LLC
- **CENTRAL INDEX KEY:** 0001841174
- **IRS NUMBER:** 261932457

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-20504
- **FILM NUMBER:** 23615353

**BUSINESS ADDRESS:**
- **STREET 1:** 10300 ALLIANCE ROAD
- **STREET 2:** SUITE 460
- **CITY:** CINCINNATI
- **STATE:** OH
- **ZIP:** 45242
- **BUSINESS PHONE:** 513-469-8400

**MAIL ADDRESS:**
- **STREET 1:** 10300 ALLIANCE ROAD
- **STREET 2:** SUITE 460
- **CITY:** CINCINNATI
- **STATE:** OH
- **ZIP:** 45242

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Clear Perspectives Financial Planning LLC<br>**Address:** 10300 ALLIANCE ROAD<br>SUITE 460<br>CINCINNATI, OH 45242

**Form 13F File Number:** 028-20504

**CRD Number (if applicable):** 000146588

**SEC File Number (if applicable):** 801-107503

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Deb Thocker<br>**Title:** Chief Compliance Officer<br>**Phone:** 513-469-8400

**Signature, Place, and Date of Signing:**

Deb Thocker  Cincinnati, OH  02-13-2023<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 236

**Form 13F Information Table Value Total:** $188244813

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| 3 D SYSTEMS INC COM | COM | 88554D205 |  | 481 | 65 | SH |  | SOLE |  | 0 | 0 | 65 |
| 3M COMPANY COM | COM | 88579Y101 |  | 10793 | 90 | SH |  | SOLE |  | 0 | 0 | 90 |
| ABBVIE INC COM | COM | 00287Y109 |  | 37494 | 232 | SH |  | SOLE |  | 0 | 0 | 232 |
| ADAMS DIVERSIFIED EQUITY FD COM | COM | 006212104 |  | 6626 | 456 | SH |  | SOLE |  | 0 | 0 | 456 |
| AIRBNB INC COM CL A | COM CL A | 009066101 |  | 171 | 2 | SH |  | SOLE |  | 0 | 0 | 2 |
| ALPHABET INC COM CL A | COM CL A | 02079K305 |  | 53732 | 609 | SH |  | SOLE |  | 0 | 0 | 609 |
| ALPHABET INC COM CL C | COM CL C | 02079K107 |  | 44365 | 500 | SH |  | SOLE |  | 0 | 0 | 500 |
| AMAZON COM INC COM | COM | 023135106 |  | 58968 | 702 | SH |  | SOLE |  | 0 | 0 | 702 |
| AMER INTL GRP INC COM | COM | 026874784 |  | 190 | 3 | SH |  | SOLE |  | 0 | 0 | 3 |
| AMERISOURCEBERGEN CORPORATION COM | COM | 03073E105 |  | 20714 | 125 | SH |  | SOLE |  | 0 | 0 | 125 |
| AMGEN INC COM | COM | 031162100 |  | 44124 | 168 | SH |  | SOLE |  | 0 | 0 | 168 |
| APPLE INC COM | COM | 037833100 |  | 108751 | 837 | SH |  | SOLE |  | 0 | 0 | 837 |
| AT INC COM | COM | 00206R102 |  | 36820 | 2000 | SH |  | SOLE |  | 0 | 0 | 2000 |
| BANK OF AMERICA CORPORATION COM | COM | 060505104 |  | 331 | 10 | SH |  | SOLE |  | 0 | 0 | 10 |
| BARRICK GOLD CORPORATION COM | COM | 067901108 |  | 2818 | 164 | SH |  | SOLE |  | 0 | 0 | 164 |
| BERKSHIRE HATHAWAY INC COM CL B | COM CL B | 084670702 |  | 62398 | 202 | SH |  | SOLE |  | 0 | 0 | 202 |
| BOOKING HOLDINGS INC COM | COM | 09857L108 |  | 34260 | 17 | SH |  | SOLE |  | 0 | 0 | 17 |
| BRIGHTSPIRE CAPITAL INC COM USD0.01 CL A | COM USD0.01 CL A | 10949T109 |  | 6037 | 969 | SH |  | SOLE |  | 0 | 0 | 969 |
| BRISTOL-MYERS SQUIBB CO COM | COM | 110122108 |  | 183185 | 2546 | SH |  | SOLE |  | 0 | 0 | 2546 |
| BROADCOM INC COM | COM | 11135F101 |  | 17333 | 31 | SH |  | SOLE |  | 0 | 0 | 31 |
| C3.AI INC COM CL A | COM CL A | 12468P104 |  | 112 | 10 | SH |  | SOLE |  | 0 | 0 | 10 |
| CANOPY GROWTH CORPORATION COM | COM | 138035100 |  | 1661 | 719 | SH |  | SOLE |  | 0 | 0 | 719 |
| CARNIVAL CORP UNITS | COM | 143658300 |  | 838 | 104 | SH |  | SOLE |  | 0 | 0 | 104 |
| CARRIER GLOBAL CORPORATION COM | COM | 14448C104 |  | 100733 | 2442 | SH |  | SOLE |  | 0 | 0 | 2442 |
| CENTENE CORPORATION COM | COM | 15135B101 |  | 337717 | 4118 | SH |  | SOLE |  | 0 | 0 | 4118 |
| CENTERPOINT ENERGY INC COM | COM | 15189T107 |  | 3621 | 121 | SH |  | SOLE |  | 0 | 0 | 121 |
| CHEVRON CORPORATION COM | COM | 166764100 |  | 82027 | 457 | SH |  | SOLE |  | 0 | 0 | 457 |
| CIENA CORP COM | COM | 171779309 |  | 816 | 16 | SH |  | SOLE |  | 0 | 0 | 16 |
| CIGNA CORPORATION COM | COM | 125523100 |  | 4970 | 15 | SH |  | SOLE |  | 0 | 0 | 15 |
| CINCINNATI FINANCIAL CORP COM | COM | 172062101 |  | 67065 | 655 | SH |  | SOLE |  | 0 | 0 | 655 |
| CISCO SYSTEMS INC COM | COM | 17275R102 |  | 16436 | 345 | SH |  | SOLE |  | 0 | 0 | 345 |
| CITIGROUP INC COM | COM | 172967424 |  | 769 | 17 | SH |  | SOLE |  | 0 | 0 | 17 |
| CITIUS PHARMACEUTICALS INC COM | COM | 17322U207 |  | 316 | 400 | SH |  | SOLE |  | 0 | 0 | 400 |
| CIVISTA BANCSHARES INC COM | COM | 178867107 |  | 29009 | 1318 | SH |  | SOLE |  | 0 | 0 | 1318 |
| CONCENTRIX CORPORATION COM | COM | 20602D101 |  | 8256 | 62 | SH |  | SOLE |  | 0 | 0 | 62 |
| CONOCOPHILLIPS COM | COM | 20825C104 |  | 44486 | 377 | SH |  | SOLE |  | 0 | 0 | 377 |
| CONSTELLATION ENERGY CORP COM | COM | 21037T109 |  | 6638 | 77 | SH |  | SOLE |  | 0 | 0 | 77 |
| COSTCO WHOLESALE CORP COM | COM | 22160K105 |  | 22825 | 50 | SH |  | SOLE |  | 0 | 0 | 50 |
| CVS HEALTH CORPORATION COM | COM | 126650100 |  | 19663 | 211 | SH |  | SOLE |  | 0 | 0 | 211 |
| DARDEN RESTAURANTS INC COM | COM | 237194105 |  | 30433 | 220 | SH |  | SOLE |  | 0 | 0 | 220 |
| DATADOG INC COM CL A | COM CL A | 23804L103 |  | 147 | 2 | SH |  | SOLE |  | 0 | 0 | 2 |
| DIMENSIONAL ETF TR US MARKETWIDE VALUE ETF | US MARKETWIDE VALUE ETF | 25434V724 |  | 528482 | 15785 | SH |  | SOLE |  | 0 | 0 | 15785 |
| DOXIMITY INC COM CL A | COM CL A | 26622P107 |  | 403 | 12 | SH |  | SOLE |  | 0 | 0 | 12 |
| DUKE ENERGY CORP COM | COM | 26441C204 |  | 32854 | 319 | SH |  | SOLE |  | 0 | 0 | 319 |
| EA SERIES TRUST BRIDGEWAY BLUE CHIP ETF | BRIDGEWAY BLUE CHIP ETF | 02072L714 |  | 8 | 1 | SH |  | SOLE |  | 0 | 0 | 1 |
| ELI LILLY AND COMPANY COM | COM | 532457108 |  | 29267 | 80 | SH |  | SOLE |  | 0 | 0 | 80 |
| ENBRIDGE INC COM | COM | 29250N105 |  | 8758 | 224 | SH |  | SOLE |  | 0 | 0 | 224 |
| EXELON CORP COM | COM | 30161N101 |  | 9986 | 231 | SH |  | SOLE |  | 0 | 0 | 231 |
| EXXON MOBIL CORPORATION COM | COM | 30231G102 |  | 26031 | 236 | SH |  | SOLE |  | 0 | 0 | 236 |
| FIDELITY COVINGTON TRUST MSCI HLTH CARE I ETF | MSCI HLTH CARE I ETF | 316092600 |  | 76776 | 1200 | SH |  | SOLE |  | 0 | 0 | 1200 |
| FIFTH THIRD BANCORP COM | COM | 316773100 |  | 36583 | 1115 | SH |  | SOLE |  | 0 | 0 | 1115 |
| FIRST TR NEW OPPORTUNITIES MLP COM | COM | 33739M100 |  | 9075 | 1500 | SH |  | SOLE |  | 0 | 0 | 1500 |
| FIRST TRUST EXCHANGE-TRADED FU FST TR GLB FD ETF | FST TR GLB FD ETF | 33739H101 |  | 5010285 | 204585 | SH |  | SOLE |  | 0 | 0 | 204585 |
| FIRST TRUST PORTFOLIOS SHS ETF | SHS ETF | 337345102 |  | 8419 | 80 | SH |  | SOLE |  | 0 | 0 | 80 |
| FIRST TST MORNINGS SHS ETF | SHS ETF | 336917109 |  | 5738531 | 156962 | SH |  | SOLE |  | 0 | 0 | 156962 |
| FOOT LOCKER INC COM | COM | 344849104 |  | 18895 | 500 | SH |  | SOLE |  | 0 | 0 | 500 |
| GARRETT MOTION INC COM | COM | 366505105 |  | 8 | 1 | SH |  | SOLE |  | 0 | 0 | 1 |
| GENERAL ELECTRIC CO COM | COM | 369604301 |  | 84 | 1 | SH |  | SOLE |  | 0 | 0 | 1 |
| GENUINE PARTS CO COM | COM | 372460105 |  | 16483 | 95 | SH |  | SOLE |  | 0 | 0 | 95 |
| GILEAD SCIENCES INC COM | COM | 375558103 |  | 8585 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| GLOBAL X FDS RUSSELL 2000 COVERED CALL ETF | RUSSELL 2000 COVERED CALL ETF | 37954Y459 |  | 828 | 44 | SH |  | SOLE |  | 0 | 0 | 44 |
| GLOBAL X FDS US INFR DEV ETF | US INFR DEV ETF | 37954Y673 |  | 77483 | 2925 | SH |  | SOLE |  | 0 | 0 | 2925 |
| HAGERTY INC COM CL A | COM CL A | 405166109 |  | 50460 | 6000 | SH |  | SOLE |  | 0 | 0 | 6000 |
| HELIUS MEDICAL TECH INC COM CL A | COM CL A | 42328V603 |  | 31 | 101 | SH |  | SOLE |  | 0 | 0 | 101 |
| HONEYWELL INTERNATIONAL INC COM | COM | 438516106 |  | 4072 | 19 | SH |  | SOLE |  | 0 | 0 | 19 |
| HUMANA INC COM | COM | 444859102 |  | 29195 | 57 | SH |  | SOLE |  | 0 | 0 | 57 |
| INSULET CORPORATION COM | COM | 45784P101 |  | 14720 | 50 | SH |  | SOLE |  | 0 | 0 | 50 |
| INTEL CORP COM | COM | 458140100 |  | 41442 | 1568 | SH |  | SOLE |  | 0 | 0 | 1568 |
| INTERNATIONAL BUS MACH CORP COM | COM | 459200101 |  | 14371 | 102 | SH |  | SOLE |  | 0 | 0 | 102 |
| INVESCO EXCHANGE TRADED FD TR FTSE RAFI 1000 ETF | FTSE RAFI 1000 ETF | 46137V613 |  | 16136 | 104 | SH |  | SOLE |  | 0 | 0 | 104 |
| INVESCO EXCHANGE TRADED FD TR FTSE RAFI 1500 ETF | FTSE RAFI 1500 ETF | 46137V597 |  | 12198 | 77 | SH |  | SOLE |  | 0 | 0 | 77 |
| INVESCO EXCHANGE TRADED FD TR HIG YLD EQ DIV ETF | HIG YLD EQ DIV ETF | 46137V563 |  | 4052964 | 195890 | SH |  | SOLE |  | 0 | 0 | 195890 |
| INVESCO EXCHANGE TRADED FD TR S EQL WGT ETF | S EQL WGT ETF | 46137V357 |  | 14404711 | 101980 | SH |  | SOLE |  | 0 | 0 | 101980 |
| INVESCO EXCHANGE TRADED FD TR S PUR VAL ETF | S PUR VAL ETF | 46137V258 |  | 4389806 | 56294 | SH |  | SOLE |  | 0 | 0 | 56294 |
| INVESCO EXCHANGE TRADED FUND T FTSE RAFI DEV ETF | FTSE RAFI DEV ETF | 46138E743 |  | 7103 | 171 | SH |  | SOLE |  | 0 | 0 | 171 |
| INVESCO EXCHANGE TRADED FUND T FTSE RAFI SML ETF | FTSE RAFI SML ETF | 46138E735 |  | 5302 | 179 | SH |  | SOLE |  | 0 | 0 | 179 |
| INVESCO EXCHANGE TRADED FUND T MSCI GBL TIMBR ETF | MSCI GBL TIMBR ETF | 46138E545 |  | 8498 | 281 | SH |  | SOLE |  | 0 | 0 | 281 |
| INVESCO EXCHANGE TRADED FUND T OPTIMUM YIELD ETF | OPTIMUM YIELD ETF | 46090F100 |  | 7239286 | 489803 | SH |  | SOLE |  | 0 | 0 | 489803 |
| INVESCO EXCHANGE TRADED FUND T S HDL VOL ETF | S HDL VOL ETF | 46138E362 |  | 2538554 | 57918 | SH |  | SOLE |  | 0 | 0 | 57918 |
| INVESCO EXCHANGE TRADED FUND T S LOW VOL ETF | S LOW VOL ETF | 46138E354 |  | 1834306 | 28706 | SH |  | SOLE |  | 0 | 0 | 28706 |
| INVESCO EXCHANGE TRADED FUND T SOLAR ETF | SOLAR ETF | 46138G706 |  | 18235 | 250 | SH |  | SOLE |  | 0 | 0 | 250 |
| INVESCO QQQ TRUST UNIT SER 1 ETF | UNIT SER 1 ETF | 46090E103 |  | 1358561 | 5102 | SH |  | SOLE |  | 0 | 0 | 5102 |
| ISHARES GOLD TRUST ISHARES NEW ETF | ISHARES NEW ETF | 464285204 |  | 1384 | 40 | SH |  | SOLE |  | 0 | 0 | 40 |
| ISHARES INC CORE MSCI EMKT ETF | CORE MSCI EMKT ETF | 46434G103 |  | 14897 | 319 | SH |  | SOLE |  | 0 | 0 | 319 |
| ISHARES INC MSCI GBL MIN VOL ETF | MSCI GBL MIN VOL ETF | 464286525 |  | 24040 | 253 | SH |  | SOLE |  | 0 | 0 | 253 |
| ISHARES TRUST 0-5YR HI YL CP ETF | 0-5YR HI YL CP ETF | 46434V407 |  | 1390 | 34 | SH |  | SOLE |  | 0 | 0 | 34 |
| ISHARES TRUST 1 3 YR TREAS BD ETF | 1 3 YR TREAS BD ETF | 464287457 |  | 18263 | 225 | SH |  | SOLE |  | 0 | 0 | 225 |
| ISHARES TRUST 3 7 YR TREAS BD ETF | 3 7 YR TREAS BD ETF | 464288661 |  | 4136 | 36 | SH |  | SOLE |  | 0 | 0 | 36 |
| ISHARES TRUST 5-10 YEAR INVESTMENT GRADE | 5-10 YEAR INVESTMENT GRADE | 464288638 |  | 12675 | 256 | SH |  | SOLE |  | 0 | 0 | 256 |
| ISHARES TRUST AGGRES ALLOC ETF | AGGRES ALLOC ETF | 464289859 |  | 66185 | 1108 | SH |  | SOLE |  | 0 | 0 | 1108 |
| ISHARES TRUST CORE HIGH DV ETF | CORE HIGH DV ETF | 46429B663 |  | 5828263 | 55912 | SH |  | SOLE |  | 0 | 0 | 55912 |
| ISHARES TRUST CORE MSCI EAFE ETF | CORE MSCI EAFE ETF | 46432F842 |  | 11773 | 191 | SH |  | SOLE |  | 0 | 0 | 191 |
| ISHARES TRUST CORE S SCP ETF | CORE S SCP ETF | 464287804 |  | 37477 | 396 | SH |  | SOLE |  | 0 | 0 | 396 |
| ISHARES TRUST CORE S ETF | CORE S ETF | 464287200 |  | 2221647 | 5782 | SH |  | SOLE |  | 0 | 0 | 5782 |
| ISHARES TRUST CORE US AGGBD ET ETF | CORE US AGGBD ET ETF | 464287226 |  | 28321 | 292 | SH |  | SOLE |  | 0 | 0 | 292 |
| ISHARES TRUST EAFE GRWTH ETF | EAFE GRWTH ETF | 464288885 |  | 12564 | 150 | SH |  | SOLE |  | 0 | 0 | 150 |
| ISHARES TRUST GL CLEAN ENE ETF | GL CLEAN ENE ETF | 464288224 |  | 19850 | 1000 | SH |  | SOLE |  | 0 | 0 | 1000 |
| ISHARES TRUST GLOBAL 100 ETF | GLOBAL 100 ETF | 464287572 |  | 352657 | 5506 | SH |  | SOLE |  | 0 | 0 | 5506 |
| ISHARES TRUST GLOBAL ENERG ETF | GLOBAL ENERG ETF | 464287341 |  | 42889 | 1100 | SH |  | SOLE |  | 0 | 0 | 1100 |
| ISHARES TRUST IBOXX HI YD ETF | IBOXX HI YD ETF | 464288513 |  | 7216 | 98 | SH |  | SOLE |  | 0 | 0 | 98 |
| ISHARES TRUST IBOXX INV CP ETF | IBOXX INV CP ETF | 464287242 |  | 16236 | 154 | SH |  | SOLE |  | 0 | 0 | 154 |
| ISHARES TRUST ISHARES 0-3 MONTH TREASURY | ISHARES 0-3 MONTH TREASURY | 46436E718 |  | 14719730 | 146992 | SH |  | SOLE |  | 0 | 0 | 146992 |
| ISHARES TRUST JPMORGAN USD EMG ETF | JPMORGAN USD EMG ETF | 464288281 |  | 930 | 11 | SH |  | SOLE |  | 0 | 0 | 11 |
| ISHARES TRUST MSCI ACWI ETF | MSCI ACWI ETF | 464288257 |  | 96339 | 1135 | SH |  | SOLE |  | 0 | 0 | 1135 |
| ISHARES TRUST MSCI KLD400 SOC ETF | MSCI KLD400 SOC ETF | 464288570 |  | 541739 | 7546 | SH |  | SOLE |  | 0 | 0 | 7546 |
| ISHARES TRUST MSCI USA ESG SLC ETF | MSCI USA ESG SLC ETF | 464288802 |  | 409789 | 4978 | SH |  | SOLE |  | 0 | 0 | 4978 |
| ISHARES TRUST MSCI USA MIN VOL FACTOR ETF | MSCI USA MIN VOL FACTOR ETF | 46429B697 |  | 1021657 | 14170 | SH |  | SOLE |  | 0 | 0 | 14170 |
| ISHARES TRUST MSCI USA QUALITY FACTOR ETF | MSCI USA QUALITY FACTOR ETF | 46432F339 |  | 2849 | 25 | SH |  | SOLE |  | 0 | 0 | 25 |
| ISHARES TRUST RUS 1000 ETF | RUS 1000 ETF | 464287622 |  | 2875879 | 13661 | SH |  | SOLE |  | 0 | 0 | 13661 |
| ISHARES TRUST RUS 1000 GRW ETF | RUS 1000 GRW ETF | 464287614 |  | 896809 | 4186 | SH |  | SOLE |  | 0 | 0 | 4186 |
| ISHARES TRUST RUS 1000 VAL ETF | RUS 1000 VAL ETF | 464287598 |  | 275715 | 1818 | SH |  | SOLE |  | 0 | 0 | 1818 |
| ISHARES TRUST RUSSELL 3000 ETF | RUSSELL 3000 ETF | 464287689 |  | 309687 | 1403 | SH |  | SOLE |  | 0 | 0 | 1403 |
| ISHARES TRUST S 100 ETF | S 100 ETF | 464287101 |  | 998687 | 5855 | SH |  | SOLE |  | 0 | 0 | 5855 |
| ISHARES TRUST S 500 GRWT ETF | S 500 GRWT ETF | 464287309 |  | 13455 | 230 | SH |  | SOLE |  | 0 | 0 | 230 |
| ISHARES TRUST S 500 VAL ETF | S 500 VAL ETF | 464287408 |  | 56577 | 390 | SH |  | SOLE |  | 0 | 0 | 390 |
| ISHARES TRUST SELECT DIVID ETF | SELECT DIVID ETF | 464287168 |  | 10544541 | 87434 | SH |  | SOLE |  | 0 | 0 | 87434 |
| ISHARES TRUST TIPS BD ETF | TIPS BD ETF | 464287176 |  | 958 | 9 | SH |  | SOLE |  | 0 | 0 | 9 |
| JOHNSON  JOHNSON COM | COM | 478160104 |  | 150153 | 850 | SH |  | SOLE |  | 0 | 0 | 850 |
| JP MORGAN CHASE  CO COM | COM | 46625H100 |  | 24943 | 186 | SH |  | SOLE |  | 0 | 0 | 186 |
| KINDER MORGAN INC COM | COM | 49456B101 |  | 271 | 15 | SH |  | SOLE |  | 0 | 0 | 15 |
| KONINKLIJKE AHOLD DELHAIZE NV COM | COM | N0074E105 |  | 31346 | 1096 | SH |  | SOLE |  | 0 | 0 | 1096 |
| KROGER CO COM | COM | 501044101 |  | 43243 | 970 | SH |  | SOLE |  | 0 | 0 | 970 |
| KYNDRYL HLDGS INC COM | COM | 50155Q100 |  | 33 | 3 | SH |  | SOLE |  | 0 | 0 | 3 |
| LIBERTY BROADBAND CORP COM | COM | 530307107 |  | 10316 | 136 | SH |  | SOLE |  | 0 | 0 | 136 |
| LIBERTY BROADBAND CORP COM | COM | 530307305 |  | 29364 | 385 | SH |  | SOLE |  | 0 | 0 | 385 |
| LIBERTY MEDIA CORPORATION COM | COM | 531229870 |  | 7266 | 136 | SH |  | SOLE |  | 0 | 0 | 136 |
| LIBERTY MEDIA CORPORATION COM | COM | 531229854 |  | 11836 | 198 | SH |  | SOLE |  | 0 | 0 | 198 |
| LIBERTY MEDIA CORPORATION COM | COM | 531229409 |  | 21463 | 546 | SH |  | SOLE |  | 0 | 0 | 546 |
| LIBERTY MEDIA CORPORATION COM | COM | 531229607 |  | 30991 | 792 | SH |  | SOLE |  | 0 | 0 | 792 |
| MARATHON PETROLEUM CORP COM | COM | 56585A102 |  | 11173 | 96 | SH |  | SOLE |  | 0 | 0 | 96 |
| MASTERCARD INCORPORATED COM CL A | COM CL A | 57636Q104 |  | 52160 | 150 | SH |  | SOLE |  | 0 | 0 | 150 |
| MCDONALD'S CORPORATION COM | COM | 580135101 |  | 26880 | 102 | SH |  | SOLE |  | 0 | 0 | 102 |
| MEDICAL MARIJUANA INC COM | COM | 58463A105 |  | 6 | 1000 | SH |  | SOLE |  | 0 | 0 | 1000 |
| MEDICAL PROPERTIES TRUST INC COM USD0.001 | COM USD0.001 | 58463J304 |  | 167 | 15 | SH |  | SOLE |  | 0 | 0 | 15 |
| MERCK  CO INC COM | COM | 58933Y105 |  | 90202 | 813 | SH |  | SOLE |  | 0 | 0 | 813 |
| META PLATFORMS INC COM CL A | COM CL A | 30303M102 |  | 602 | 5 | SH |  | SOLE |  | 0 | 0 | 5 |
| MICROSOFT CORP COM | COM | 594918104 |  | 147249 | 614 | SH |  | SOLE |  | 0 | 0 | 614 |
| MONARCH CEMENT COMPANY COM | COM | 609031307 |  | 21600 | 200 | SH |  | SOLE |  | 0 | 0 | 200 |
| MONSTER BEVERAGE CORP COM | COM | 61174X109 |  | 27413 | 270 | SH |  | SOLE |  | 0 | 0 | 270 |
| MOUNTAIN PROVINCE DIAMONDS INC COM | COM | 62426E402 |  | 75 | 195 | SH |  | SOLE |  | 0 | 0 | 195 |
| NETFLIX INC COM | COM | 64110L106 |  | 8257 | 28 | SH |  | SOLE |  | 0 | 0 | 28 |
| NIKE INC COM CL B | COM CL B | 654106103 |  | 585 | 5 | SH |  | SOLE |  | 0 | 0 | 5 |
| NORFOLK SOUTHERN CORP COM | COM | 655844108 |  | 26613 | 108 | SH |  | SOLE |  | 0 | 0 | 108 |
| NOVAVAX INC COM | COM | 670002401 |  | 51 | 5 | SH |  | SOLE |  | 0 | 0 | 5 |
| NUVEEN ESG NUVEEN ESG LRG CAP VAL ETF | NUVEEN ESG LRG CAP VAL ETF | 67092P300 |  | 2979 | 87 | SH |  | SOLE |  | 0 | 0 | 87 |
| NVIDIA CORP COM | COM | 67066G104 |  | 12568 | 86 | SH |  | SOLE |  | 0 | 0 | 86 |
| OCCIDENTAL PETROLEUM CORP COM | COM | 674599105 |  | 6992 | 111 | SH |  | SOLE |  | 0 | 0 | 111 |
| OCCIDENTAL PETROLEUM CORP WARRANT | WARRANT | 674599162 |  | 536 | 13 | SH |  | SOLE |  | 0 | 0 | 13 |
| OREGON ST GO BDS CLBL | GO BDS CLBL | 68609BEG8 |  | 60380 | 60 | PRN |  | SOLE |  | 0 | 0 | 60 |
| ORGANON  CO COM | COM | 68622V106 |  | 1536 | 55 | SH |  | SOLE |  | 0 | 0 | 55 |
| OTIS WORLDWIDE CORP COM | COM | 68902V107 |  | 96400 | 1231 | SH |  | SOLE |  | 0 | 0 | 1231 |
| PALANTIR TECH INC COM CL A | COM CL A | 69608A108 |  | 3210 | 500 | SH |  | SOLE |  | 0 | 0 | 500 |
| PAYPAL HOLDINGS INC COM | COM | 70450Y103 |  | 214 | 3 | SH |  | SOLE |  | 0 | 0 | 3 |
| PEPSICO INC COM | COM | 713448108 |  | 133327 | 738 | SH |  | SOLE |  | 0 | 0 | 738 |
| PFIZER INC COM | COM | 717081103 |  | 110166 | 2150 | SH |  | SOLE |  | 0 | 0 | 2150 |
| PHILLIPS 66 COM | COM | 718546104 |  | 21255 | 204 | SH |  | SOLE |  | 0 | 0 | 204 |
| PROCTER  GAMBLE CO COM | COM | 742718109 |  | 16425012 | 108373 | SH |  | SOLE |  | 0 | 0 | 108373 |
| PUBLIC SERVICE ENTERPRISE GRP COM | COM | 744573106 |  | 54346 | 887 | SH |  | SOLE |  | 0 | 0 | 887 |
| RAYTHEON TECH CORP COM | COM | 75513E101 |  | 250584 | 2483 | SH |  | SOLE |  | 0 | 0 | 2483 |
| REPLIGEN CORP COM | COM | 759916109 |  | 165077 | 975 | SH |  | SOLE |  | 0 | 0 | 975 |
| RESIDEO TECHNOLOGIES INC COM | COM | 76118Y104 |  | 49 | 3 | SH |  | SOLE |  | 0 | 0 | 3 |
| RILEY EXPLORATION COM | COM | 76665T102 |  | 118 | 4 | SH |  | SOLE |  | 0 | 0 | 4 |
| ROBLOX CORP COM CL A | COM CL A | 771049103 |  | 228 | 8 | SH |  | SOLE |  | 0 | 0 | 8 |
| SCHWAB STRATEGIC TR INTL EQTY ETF | INTL EQTY ETF | 808524805 |  | 29633 | 920 | SH |  | SOLE |  | 0 | 0 | 920 |
| SCHWAB STRATEGIC TR SCHWAB FDT US LG ETF | SCHWAB FDT US LG ETF | 808524771 |  | 2031 | 38 | SH |  | SOLE |  | 0 | 0 | 38 |
| SCHWAB STRATEGIC TR US BRD MKT ETF | US BRD MKT ETF | 808524102 |  | 15325 | 342 | SH |  | SOLE |  | 0 | 0 | 342 |
| SCHWAB STRATEGIC TR US DIVIDEND EQ ETF | US DIVIDEND EQ ETF | 808524797 |  | 12917 | 171 | SH |  | SOLE |  | 0 | 0 | 171 |
| SCHWAB STRATEGIC TR US LCAP GR ETF | US LCAP GR ETF | 808524300 |  | 50004 | 900 | SH |  | SOLE |  | 0 | 0 | 900 |
| SCHWAB STRATEGIC TR US LCAP VA ETF | US LCAP VA ETF | 808524409 |  | 59418 | 900 | SH |  | SOLE |  | 0 | 0 | 900 |
| SCHWAB STRATEGIC TR US LRG CAP ETF | US LRG CAP ETF | 808524201 |  | 12552 | 278 | SH |  | SOLE |  | 0 | 0 | 278 |
| SCHWAB STRATEGIC TR US SML CAP ETF | US SML CAP ETF | 808524607 |  | 31233 | 771 | SH |  | SOLE |  | 0 | 0 | 771 |
| SELECT SECTOR SPDR TRUST ENERGY ETF | ENERGY ETF | 81369Y506 |  | 782419 | 8945 | SH |  | SOLE |  | 0 | 0 | 8945 |
| SELECT SECTOR SPDR TRUST RL EST SEL SEC ETF | RL EST SEL SEC ETF | 81369Y860 |  | 18650 | 505 | SH |  | SOLE |  | 0 | 0 | 505 |
| SELECT SECTOR SPDR TRUST SBI CONS STPLS ETF | SBI CONS STPLS ETF | 81369Y308 |  | 7455 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| SELECT SECTOR SPDR TRUST SBI HEALTHCARE ETF | SBI HEALTHCARE ETF | 81369Y209 |  | 44151 | 325 | SH |  | SOLE |  | 0 | 0 | 325 |
| SELECT SECTOR SPDR TRUST SBI INT-INDS ETF | SBI INT-INDS ETF | 81369Y704 |  | 70220 | 715 | SH |  | SOLE |  | 0 | 0 | 715 |
| SERVICE CORP INTL COM | COM | 817565104 |  | 5877 | 85 | SH |  | SOLE |  | 0 | 0 | 85 |
| SMUCKER (JM) CO COM | COM | 832696405 |  | 41992 | 265 | SH |  | SOLE |  | 0 | 0 | 265 |
| SPDR BLOOMBERG 1-3 MONTH T-BILL ETF | BLOOMBERG 1-3 MONTH T-BILL ETF | 78468R663 |  | 5797669 | 63383 | SH |  | SOLE |  | 0 | 0 | 63383 |
| SPDR GOLD TRUST GOLD SHS ETF | GOLD SHS ETF | 78463V107 |  | 45972 | 271 | SH |  | SOLE |  | 0 | 0 | 271 |
| SPDR INDEX SHARES FUNDS DJ INTL RL ETF | DJ INTL RL ETF | 78463X863 |  | 4203 | 157 | SH |  | SOLE |  | 0 | 0 | 157 |
| SPDR PRTFLO S HI ETF | PRTFLO S HI ETF | 78468R788 |  | 3954398 | 99909 | SH |  | SOLE |  | 0 | 0 | 99909 |
| SPDR S ETF TRUST TR UNIT ETF | TR UNIT ETF | 78462F103 |  | 2288807 | 5985 | SH |  | SOLE |  | 0 | 0 | 5985 |
| SPDR SERIES TRUST DJ REIT ETF | DJ REIT ETF | 78464A607 |  | 6798 | 78 | SH |  | SOLE |  | 0 | 0 | 78 |
| SPDR SERIES TRUST PORTFOLI S 1500 COMP STK ETF | PORTFOLI S 1500 COMP STK ETF | 78464A805 |  | 24685 | 522 | SH |  | SOLE |  | 0 | 0 | 522 |
| SPDR SERIES TRUST PORTFOLIO S 500 ETF | PORTFOLIO S 500 ETF | 78464A854 |  | 66346 | 1475 | SH |  | SOLE |  | 0 | 0 | 1475 |
| SPDR SERIES TRUST PRTFLO S GW ETF | PRTFLO S GW ETF | 78464A409 |  | 55737 | 1100 | SH |  | SOLE |  | 0 | 0 | 1100 |
| SPDR SERIES TRUST S DIVID ETF | S DIVID ETF | 78464A763 |  | 7578494 | 60575 | SH |  | SOLE |  | 0 | 0 | 60575 |
| SPDR SPDR NUVEEN BLOOMBERG MUNIC | SPDR NUVEEN BLOOMBERG MUNIC | 78468R721 |  | 14598 | 320 | SH |  | SOLE |  | 0 | 0 | 320 |
| STARBUCKS CORP COM | COM | 855244109 |  | 41069 | 414 | SH |  | SOLE |  | 0 | 0 | 414 |
| STONECO LTD COM | COM | G85158106 |  | 236 | 25 | SH |  | SOLE |  | 0 | 0 | 25 |
| TD SYNNEX CORP COM | COM | 87162W100 |  | 5872 | 62 | SH |  | SOLE |  | 0 | 0 | 62 |
| TESLA INC COM | COM | 88160R101 |  | 15151 | 123 | SH |  | SOLE |  | 0 | 0 | 123 |
| THE TRADE DESK INC COM CL A | COM CL A | 88339J105 |  | 179 | 4 | SH |  | SOLE |  | 0 | 0 | 4 |
| TRAVELERS COMPANIES INC COM | COM | 89417E109 |  | 13124 | 70 | SH |  | SOLE |  | 0 | 0 | 70 |
| TYLER TECHNOLOGIES INC COM | COM | 902252105 |  | 322 | 1 | SH |  | SOLE |  | 0 | 0 | 1 |
| ULTRA CLEAN HLDGS INC COM | COM | 90385V107 |  | 332 | 10 | SH |  | SOLE |  | 0 | 0 | 10 |
| UTD STS LIME COM | COM | 911922102 |  | 14076 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| VANGUARD 500 VAL IDX FD ETF | 500 VAL IDX FD ETF | 921932703 |  | 630550 | 4502 | SH |  | SOLE |  | 0 | 0 | 4502 |
| VANGUARD DIV APP ETF | DIV APP ETF | 921908844 |  | 1553595 | 10231 | SH |  | SOLE |  | 0 | 0 | 10231 |
| VANGUARD EXTEND MKT ETF | EXTEND MKT ETF | 922908652 |  | 186097 | 1401 | SH |  | SOLE |  | 0 | 0 | 1401 |
| VANGUARD FTSE DEVELOPED MKTS ETF | FTSE DEVELOPED MKTS ETF | 921943858 |  | 6757 | 161 | SH |  | SOLE |  | 0 | 0 | 161 |
| VANGUARD FTSE EMR MKT ETF | FTSE EMR MKT ETF | 922042858 |  | 6588 | 169 | SH |  | SOLE |  | 0 | 0 | 169 |
| VANGUARD GROWTH ETF | GROWTH ETF | 922908736 |  | 822083 | 3858 | SH |  | SOLE |  | 0 | 0 | 3858 |
| VANGUARD HEALTH CAR ETF | HEALTH CAR ETF | 92204A504 |  | 254119 | 1024 | SH |  | SOLE |  | 0 | 0 | 1024 |
| VANGUARD HIGH DIV YLD ETF | HIGH DIV YLD ETF | 921946406 |  | 22782693 | 210541 | SH |  | SOLE |  | 0 | 0 | 210541 |
| VANGUARD INDUSTRIAL ETF | INDUSTRIAL ETF | 92204A603 |  | 36528 | 200 | SH |  | SOLE |  | 0 | 0 | 200 |
| VANGUARD LARGE CAP ETF | LARGE CAP ETF | 922908637 |  | 1742348 | 10002 | SH |  | SOLE |  | 0 | 0 | 10002 |
| VANGUARD LONG TERM BOND ETF | LONG TERM BOND ETF | 921937793 |  | 869 | 12 | SH |  | SOLE |  | 0 | 0 | 12 |
| VANGUARD MCAP GR IDXVIP ETF | MCAP GR IDXVIP ETF | 922908538 |  | 255259 | 1420 | SH |  | SOLE |  | 0 | 0 | 1420 |
| VANGUARD MCAP VL IDXVIP ETF | MCAP VL IDXVIP ETF | 922908512 |  | 101160 | 748 | SH |  | SOLE |  | 0 | 0 | 748 |
| VANGUARD MEGA CAP VAL ETF | MEGA CAP VAL ETF | 921910840 |  | 5579818 | 54252 | SH |  | SOLE |  | 0 | 0 | 54252 |
| VANGUARD MEGA GRWTH IND ETF | MEGA GRWTH IND ETF | 921910816 |  | 1597239 | 9282 | SH |  | SOLE |  | 0 | 0 | 9282 |
| VANGUARD MID CAP ETF | MID CAP ETF | 922908629 |  | 134740 | 661 | SH |  | SOLE |  | 0 | 0 | 661 |
| VANGUARD S 500 ETF SHS | S 500 ETF SHS | 922908363 |  | 4396346 | 12513 | SH |  | SOLE |  | 0 | 0 | 12513 |
| VANGUARD SHORT TERM TREAS ETF | SHORT TERM TREAS ETF | 92206C102 |  | 405 | 7 | SH |  | SOLE |  | 0 | 0 | 7 |
| VANGUARD SHORT TRM BOND ETF | SHORT TRM BOND ETF | 921937827 |  | 1430 | 19 | SH |  | SOLE |  | 0 | 0 | 19 |
| VANGUARD SMALL CP ETF | SMALL CP ETF | 922908751 |  | 227068 | 1237 | SH |  | SOLE |  | 0 | 0 | 1237 |
| VANGUARD STRM INFPROIDX ETF | STRM INFPROIDX ETF | 922020805 |  | 16255 | 348 | SH |  | SOLE |  | 0 | 0 | 348 |
| VANGUARD TAX EXEMPT BD ETF | TAX EXEMPT BD ETF | 922907746 |  | 51222 | 1035 | SH |  | SOLE |  | 0 | 0 | 1035 |
| VANGUARD TOTAL STK MKT ETF | TOTAL STK MKT ETF | 922908769 |  | 1934208 | 10117 | SH |  | SOLE |  | 0 | 0 | 10117 |
| VANGUARD TT WRLD ST ETF | TT WRLD ST ETF | 922042742 |  | 195054 | 2263 | SH |  | SOLE |  | 0 | 0 | 2263 |
| VANGUARD UTILITIES ETF | UTILITIES ETF | 92204A876 |  | 92016 | 600 | SH |  | SOLE |  | 0 | 0 | 600 |
| VANGUARD VALUE ETF | VALUE ETF | 922908744 |  | 15526125 | 110609 | SH |  | SOLE |  | 0 | 0 | 110609 |
| VANGUARD VNG RUS2000IDX ETF | VNG RUS2000IDX ETF | 92206C664 |  | 352 | 5 | SH |  | SOLE |  | 0 | 0 | 5 |
| VEEVA SYSTEMS INC COM CL A | COM CL A | 922475108 |  | 323 | 2 | SH |  | SOLE |  | 0 | 0 | 2 |
| VERIZON COMMUNICATIONS COM | COM | 92343V104 |  | 1655 | 42 | SH |  | SOLE |  | 0 | 0 | 42 |
| VIATRIS INC COM | COM | 92556V106 |  | 122 | 11 | SH |  | SOLE |  | 0 | 0 | 11 |
| VISA INC COM CL A | COM CL A | 92826C839 |  | 126734 | 610 | SH |  | SOLE |  | 0 | 0 | 610 |
| WABTEC CORP COM | COM | 929740108 |  | 100 | 1 | SH |  | SOLE |  | 0 | 0 | 1 |
| WALT DISNEY COMPANY (THE) COM | COM | 254687106 |  | 1043 | 12 | SH |  | SOLE |  | 0 | 0 | 12 |
| WARNER BROS DISCOVERY INC COM | COM | 934423104 |  | 4825 | 509 | SH |  | SOLE |  | 0 | 0 | 509 |
| WOLVERINE WORLD WIDE INC COM | COM | 978097103 |  | 3563 | 326 | SH |  | SOLE |  | 0 | 0 | 326 |
| YUM BRANDS INC COM | COM | 988498101 |  | 50464 | 394 | SH |  | SOLE |  | 0 | 0 | 394 |
| YUM CHINA HOLDINGS INC COM | COM | 98850P109 |  | 20548 | 376 | SH |  | SOLE |  | 0 | 0 | 376 |
| ZSCALER INC COM | COM | 98980G102 |  | 224 | 2 | SH |  | SOLE |  | 0 | 0 | 2 |

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