# EDGAR Filing Document

**Accession Number:** 0001730511
**File Stem:** 0001765380-23-000029
**Filing Date:** 2023-2
**Character Count:** 26030
**Document Hash:** 0c54f2453f0c55d4d883ee4003c7688e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001765380-23-000029.hdr.sgml**: 20230207

**ACCESSION NUMBER**: 0001765380-23-000029

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230207

**DATE AS OF CHANGE**: 20230207

**EFFECTIVENESS DATE**: 20230207

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Bedel Financial Consulting, Inc.
- **CENTRAL INDEX KEY:** 0001730511
- **IRS NUMBER:** 000000000
- **STATE OF INCORPORATION:** IN
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-18265
- **FILM NUMBER:** 23595320

**BUSINESS ADDRESS:**
- **STREET 1:** 8940 RIVER CROSSING BOULEVARD
- **STREET 2:** SUITE 120
- **CITY:** INDIANAPOLIS
- **STATE:** IN
- **ZIP:** 46240
- **BUSINESS PHONE:** 317-843-1358

**MAIL ADDRESS:**
- **STREET 1:** 8940 RIVER CROSSING BOULEVARD
- **STREET 2:** SUITE 120
- **CITY:** INDIANAPOLIS
- **STATE:** IN
- **ZIP:** 46240

### 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:** Bedel Financial Consulting Inc.<br>**Address:** 8940 RIVER CROSSING BOULEVARD<br>SUITE 120<br>INDIANAPOLIS, IN 46240

**Form 13F File Number:** 028-18265

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:** Kevin Patton<br>**Title:** CCO<br>**Phone:** 5139778305

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

Kevin Patton  Cincinnati, OH  02-07-2023<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:** 226

**Form 13F Information Table Value Total:** $402148485

      (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 |
| 3M CO | COM | 88579Y101 |  | 489896 | 4085 | SH |  | SOLE | 0 | 0 | 0 | 4085 |
| ABBOTT LABS | COM | 002824100 |  | 216177 | 1969 | SH |  | SOLE | 0 | 0 | 0 | 1969 |
| ABBVIE INC | COM | 00287Y109 |  | 2017852 | 12486 | SH |  | SOLE | 0 | 0 | 0 | 12486 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 331949 | 1244 | SH |  | SOLE | 0 | 0 | 0 | 1244 |
| ADOBE SYSTEMS INCORPORATED | COM | 00724F101 |  | 570082 | 1694 | SH |  | SOLE | 0 | 0 | 0 | 1694 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 1683958 | 19086 | SH |  | SOLE | 0 | 0 | 0 | 19086 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1341953 | 15124 | SH |  | SOLE | 0 | 0 | 0 | 15124 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 430591 | 9420 | SH |  | SOLE | 0 | 0 | 0 | 9420 |
| AMAZON COM INC | COM | 023135106 |  | 1026409 | 12219 | SH |  | SOLE | 0 | 0 | 0 | 12219 |
| AMERICAN CENTY ETF TR | FOCUSED LRG CAP | 025072794 |  | 2095279 | 35634 | SH |  | SOLE | 0 | 0 | 0 | 35634 |
| AMERICAN CENTY ETF TR | STOXX US QLTY | 025072307 |  | 841962 | 14587 | SH |  | SOLE | 0 | 0 | 0 | 14587 |
| AMERICAN ELEC PWR CO INC | COM | 025537101 |  | 322165 | 3393 | SH |  | SOLE | 0 | 0 | 0 | 3393 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 762456 | 5160 | SH |  | SOLE | 0 | 0 | 0 | 5160 |
| AMGEN INC | COM | 031162100 |  | 380040 | 1447 | SH |  | SOLE | 0 | 0 | 0 | 1447 |
| APPLE INC | COM | 037833100 |  | 10953321 | 84302 | SH |  | SOLE | 0 | 0 | 0 | 84302 |
| APPLIED MATLS INC | COM | 038222105 |  | 894579 | 9186 | SH |  | SOLE | 0 | 0 | 0 | 9186 |
| AT INC | COM | 00206R102 |  | 292572 | 15892 | SH |  | SOLE | 0 | 0 | 0 | 15892 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 1244596 | 5211 | SH |  | SOLE | 0 | 0 | 0 | 5211 |
| BALL CORP | COM | 058498106 |  | 490944 | 9600 | SH |  | SOLE | 0 | 0 | 0 | 9600 |
| BANK AMERICA CORP | COM | 060505104 |  | 425108 | 12835 | SH |  | SOLE | 0 | 0 | 0 | 12835 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 5705419 | 18470 | SH |  | SOLE | 0 | 0 | 0 | 18470 |
| BOSTON SCIENTIFIC CORP | COM | 101137107 |  | 603962 | 13053 | SH |  | SOLE | 0 | 0 | 0 | 13053 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 421222 | 5854 | SH |  | SOLE | 0 | 0 | 0 | 5854 |
| CAMPBELL SOUP CO | COM | 134429109 |  | 233413 | 4113 | SH |  | SOLE | 0 | 0 | 0 | 4113 |
| CAPITAL GROUP GROWTH ETF | SHS CREATION UNI | 14020G101 |  | 4461646 | 223754 | SH |  | SOLE | 0 | 0 | 0 | 223754 |
| CATERPILLAR INC | COM | 149123101 |  | 441003 | 1841 | SH |  | SOLE | 0 | 0 | 0 | 1841 |
| CHEVRON CORP NEW | COM | 166764100 |  | 1465818 | 8167 | SH |  | SOLE | 0 | 0 | 0 | 8167 |
| CIGNA CORP NEW | COM | 125523100 |  | 249168 | 752 | SH |  | SOLE | 0 | 0 | 0 | 752 |
| CINTAS CORP | COM | 172908105 |  | 521621 | 1155 | SH |  | SOLE | 0 | 0 | 0 | 1155 |
| CISCO SYS INC | COM | 17275R102 |  | 1592500 | 33428 | SH |  | SOLE | 0 | 0 | 0 | 33428 |
| CLOROX CO DEL | COM | 189054109 |  | 330355 | 2354 | SH |  | SOLE | 0 | 0 | 0 | 2354 |
| COCA COLA CO | COM | 191216100 |  | 1430480 | 22488 | SH |  | SOLE | 0 | 0 | 0 | 22488 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 205415 | 5874 | SH |  | SOLE | 0 | 0 | 0 | 5874 |
| CONAGRA BRANDS INC | COM | 205887102 |  | 307472 | 7945 | SH |  | SOLE | 0 | 0 | 0 | 7945 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 451232 | 3824 | SH |  | SOLE | 0 | 0 | 0 | 3824 |
| COOPER COS INC | COM NEW | 216648402 |  | 330670 | 1000 | SH |  | SOLE | 0 | 0 | 0 | 1000 |
| CORTEVA INC | COM | 22052L104 |  | 238100 | 4051 | SH |  | SOLE | 0 | 0 | 0 | 4051 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 417154 | 914 | SH |  | SOLE | 0 | 0 | 0 | 914 |
| CSX CORP | COM | 126408103 |  | 549275 | 17730 | SH |  | SOLE | 0 | 0 | 0 | 17730 |
| CUMMINS INC | COM | 231021106 |  | 1702554 | 7027 | SH |  | SOLE | 0 | 0 | 0 | 7027 |
| CUSTOM TRUCK ONE SOURCE INC | COM CL A | 23204X103 |  | 600014 | 94939 | SH |  | SOLE | 0 | 0 | 0 | 94939 |
| DANAHER CORPORATION | COM | 235851102 |  | 1291630 | 4866 | SH |  | SOLE | 0 | 0 | 0 | 4866 |
| DEERE  CO | COM | 244199105 |  | 274639 | 641 | SH |  | SOLE | 0 | 0 | 0 | 641 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 5599024 | 184178 | SH |  | SOLE | 0 | 0 | 0 | 184178 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 575039 | 11242 | SH |  | SOLE | 0 | 0 | 0 | 11242 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 7158571 | 326131 | SH |  | SOLE | 0 | 0 | 0 | 326131 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 495302 | 11270 | SH |  | SOLE | 0 | 0 | 0 | 11270 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 232052 | 9267 | SH |  | SOLE | 0 | 0 | 0 | 9267 |
| DISCOVER FINL SVCS | COM | 254709108 |  | 202730 | 2072 | SH |  | SOLE | 0 | 0 | 0 | 2072 |
| DISNEY WALT CO | COM | 254687106 |  | 1529331 | 17603 | SH |  | SOLE | 0 | 0 | 0 | 17603 |
| DOW INC | COM | 260557103 |  | 297177 | 5898 | SH |  | SOLE | 0 | 0 | 0 | 5898 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 493535 | 4792 | SH |  | SOLE | 0 | 0 | 0 | 4792 |
| DUPONT DE NEMOURS INC | COM | 26614N102 |  | 403280 | 5876 | SH |  | SOLE | 0 | 0 | 0 | 5876 |
| EATON CORP PLC | SHS | G29183103 |  | 229618 | 1463 | SH |  | SOLE | 0 | 0 | 0 | 1463 |
| EATON VANCE SR INCOME TR | SH BEN INT | 27826S103 |  | 63040 | 11962 | SH |  | SOLE | 0 | 0 | 0 | 11962 |
| ELEVANCE HEALTH INC | COM | 036752103 |  | 629414 | 1227 | SH |  | SOLE | 0 | 0 | 0 | 1227 |
| EMERSON ELEC CO | COM | 291011104 |  | 287027 | 2988 | SH |  | SOLE | 0 | 0 | 0 | 2988 |
| ENBRIDGE INC | COM | 29250N105 |  | 202421 | 5177 | SH |  | SOLE | 0 | 0 | 0 | 5177 |
| EVERGY INC | COM | 30034W106 |  | 200146 | 3180 | SH |  | SOLE | 0 | 0 | 0 | 3180 |
| EXLSERVICE HOLDINGS INC | COM | 302081104 |  | 929154 | 5484 | SH |  | SOLE | 0 | 0 | 0 | 5484 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 2661584 | 24130 | SH |  | SOLE | 0 | 0 | 0 | 24130 |
| FEDEX CORP | COM | 31428X106 |  | 220188 | 1271 | SH |  | SOLE | 0 | 0 | 0 | 1271 |
| FIRST FINL BANCORP OH | COM | 320209109 |  | 664193 | 27412 | SH |  | SOLE | 0 | 0 | 0 | 27412 |
| FIRST TR EXCHANGE-TRADED ALP | SML CP GRW ALP | 33737M300 |  | 2173002 | 39309 | SH |  | SOLE | 0 | 0 | 0 | 39309 |
| FIRST TR EXCHANGE-TRADED FD | DJ INTERNT IDX | 33733E302 |  | 600356 | 4875 | SH |  | SOLE | 0 | 0 | 0 | 4875 |
| FIRST TR MID CAP CORE ALPHAD | COM SHS | 33735B108 |  | 1484327 | 16900 | SH |  | SOLE | 0 | 0 | 0 | 16900 |
| FIRSTENERGY CORP | COM | 337932107 |  | 272239 | 6491 | SH |  | SOLE | 0 | 0 | 0 | 6491 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 562591 | 2268 | SH |  | SOLE | 0 | 0 | 0 | 2268 |
| GENTEX CORP | COM | 371901109 |  | 233186 | 8551 | SH |  | SOLE | 0 | 0 | 0 | 8551 |
| GENUINE PARTS CO | COM | 372460105 |  | 239270 | 1379 | SH |  | SOLE | 0 | 0 | 0 | 1379 |
| GLOBAL X FDS | RATE PREFERRED | 37954Y376 |  | 7020810 | 312036 | SH |  | SOLE | 0 | 0 | 0 | 312036 |
| HOME DEPOT INC | COM | 437076102 |  | 1744113 | 5522 | SH |  | SOLE | 0 | 0 | 0 | 5522 |
| HONEYWELL INTL INC | COM | 438516106 |  | 1449924 | 6766 | SH |  | SOLE | 0 | 0 | 0 | 6766 |
| HORIZON BANCORP INC | COM | 440407104 |  | 195090 | 12937 | SH |  | SOLE | 0 | 0 | 0 | 12937 |
| HUNTINGTON BANCSHARES INC | COM | 446150104 |  | 845949 | 59996 | SH |  | SOLE | 0 | 0 | 0 | 59996 |
| ILLINOIS TOOL WKS INC | COM | 452308109 |  | 918904 | 4171 | SH |  | SOLE | 0 | 0 | 0 | 4171 |
| ILLUMINA INC | COM | 452327109 |  | 252143 | 1247 | SH |  | SOLE | 0 | 0 | 0 | 1247 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C656 |  | 273161 | 9338 | SH |  | SOLE | 0 | 0 | 0 | 9338 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C318 |  | 407530 | 14508 | SH |  | SOLE | 0 | 0 | 0 | 14508 |
| INNOVATOR ETFS TR | BUFFER STEP UP S | 45783Y731 |  | 460573 | 19121 | SH |  | SOLE | 0 | 0 | 0 | 19121 |
| INNOVATOR ETFS TR | US EQTY BUF DEC | 45782C557 |  | 205256 | 6432 | SH |  | SOLE | 0 | 0 | 0 | 6432 |
| INNOVATOR ETFS TR | LADDERED ALC BFR | 45783Y756 |  | 256086 | 11117 | SH |  | SOLE | 0 | 0 | 0 | 11117 |
| INNOVATOR ETFS TR | US EQTY BUFR JAN | 45782C409 |  | 271820 | 8227 | SH |  | SOLE | 0 | 0 | 0 | 8227 |
| INNOVATOR ETFS TR | US EQTY ULTRA B | 45782C821 |  | 1392661 | 51051 | SH |  | SOLE | 0 | 0 | 0 | 51051 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C573 |  | 712997 | 23617 | SH |  | SOLE | 0 | 0 | 0 | 23617 |
| INNOVATOR ETFS TR | US EQT ULTRA BF | 45782C375 |  | 251525 | 8932 | SH |  | SOLE | 0 | 0 | 0 | 8932 |
| INNOVATOR ETFS TR | US EQT BUFR APR | 45782C888 |  | 631531 | 20353 | SH |  | SOLE | 0 | 0 | 0 | 20353 |
| INNOVATOR ETFS TR | US EQT ULTRA BF | 45782C839 |  | 575255 | 22336 | SH |  | SOLE | 0 | 0 | 0 | 22336 |
| INNOVATOR ETFS TR | US EQTY ULTRA B | 45782C649 |  | 385255 | 14593 | SH |  | SOLE | 0 | 0 | 0 | 14593 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C540 |  | 239210 | 8003 | SH |  | SOLE | 0 | 0 | 0 | 8003 |
| INNOVATOR ETFS TR | US EQT PWR BUF | 45782C870 |  | 7105848 | 253138 | SH |  | SOLE | 0 | 0 | 0 | 253138 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C417 |  | 540566 | 19034 | SH |  | SOLE | 0 | 0 | 0 | 19034 |
| INNOVATOR ETFS TR | US EQT ULTRA BF | 45782C300 |  | 348855 | 11742 | SH |  | SOLE | 0 | 0 | 0 | 11742 |
| INNOVATOR ETFS TR | US EQTY PWR BF | 45782C680 |  | 205849 | 7261 | SH |  | SOLE | 0 | 0 | 0 | 7261 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C797 |  | 1264113 | 42039 | SH |  | SOLE | 0 | 0 | 0 | 42039 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C508 |  | 751135 | 23838 | SH |  | SOLE | 0 | 0 | 0 | 23838 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C813 |  | 389280 | 12894 | SH |  | SOLE | 0 | 0 | 0 | 12894 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C383 |  | 294484 | 9586 | SH |  | SOLE | 0 | 0 | 0 | 9586 |
| INNOVATOR ETFS TR | US EQTY BUF OCT | 45782C771 |  | 611093 | 19241 | SH |  | SOLE | 0 | 0 | 0 | 19241 |
| INTEL CORP | COM | 458140100 |  | 857096 | 32429 | SH |  | SOLE | 0 | 0 | 0 | 32429 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 600830 | 4265 | SH |  | SOLE | 0 | 0 | 0 | 4265 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 959506 | 3616 | SH |  | SOLE | 0 | 0 | 0 | 3616 |
| INVESCO EXCH TRADED FD TR II | S LOW VOL | 46138E354 |  | 680249 | 10646 | SH |  | SOLE | 0 | 0 | 0 | 10646 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 243079 | 1721 | SH |  | SOLE | 0 | 0 | 0 | 1721 |
| INVESCO EXCHANGE TRADED FD T | DYNMC LRG VALU | 46137V738 |  | 505424 | 10740 | SH |  | SOLE | 0 | 0 | 0 | 10740 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 205186 | 771 | SH |  | SOLE | 0 | 0 | 0 | 771 |
| ISHARES TR | MRGSTR MD CP VAL | 464288406 |  | 3333485 | 53723 | SH |  | SOLE | 0 | 0 | 0 | 53723 |
| ISHARES TR | MRGSTR MD CP GRW | 464288307 |  | 3739541 | 69405 | SH |  | SOLE | 0 | 0 | 0 | 69405 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 |  | 732218 | 6951 | SH |  | SOLE | 0 | 0 | 0 | 6951 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 233950 | 4679 | SH |  | SOLE | 0 | 0 | 0 | 4679 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 383732 | 2530 | SH |  | SOLE | 0 | 0 | 0 | 2530 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 283791 | 4018 | SH |  | SOLE | 0 | 0 | 0 | 4018 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 441431 | 5415 | SH |  | SOLE | 0 | 0 | 0 | 5415 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 388496 | 1811 | SH |  | SOLE | 0 | 0 | 0 | 1811 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 205633 | 2173 | SH |  | SOLE | 0 | 0 | 0 | 2173 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 219041 | 9641 | SH |  | SOLE | 0 | 0 | 0 | 9641 |
| ISHARES TR | MSCI ACWI EX US | 464288240 |  | 1151502 | 25308 | SH |  | SOLE | 0 | 0 | 0 | 25308 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 2369743 | 20795 | SH |  | SOLE | 0 | 0 | 0 | 20795 |
| ISHARES TR | MSCI INTL SML CP | 46434V266 |  | 2883345 | 96111 | SH |  | SOLE | 0 | 0 | 0 | 96111 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 513032 | 4254 | SH |  | SOLE | 0 | 0 | 0 | 4254 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 221633 | 2082 | SH |  | SOLE | 0 | 0 | 0 | 2082 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 407773 | 10759 | SH |  | SOLE | 0 | 0 | 0 | 10759 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 1572043 | 6499 | SH |  | SOLE | 0 | 0 | 0 | 6499 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 735161 | 3431 | SH |  | SOLE | 0 | 0 | 0 | 3431 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 275150 | 1307 | SH |  | SOLE | 0 | 0 | 0 | 1307 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 1189762 | 6824 | SH |  | SOLE | 0 | 0 | 0 | 6824 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 990477 | 14685 | SH |  | SOLE | 0 | 0 | 0 | 14685 |
| ISHARES TR | CORE S ETF | 464287200 |  | 3370516 | 8773 | SH |  | SOLE | 0 | 0 | 0 | 8773 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 1181263 | 17996 | SH |  | SOLE | 0 | 0 | 0 | 17996 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 462145 | 5528 | SH |  | SOLE | 0 | 0 | 0 | 5528 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 8332724 | 99483 | SH |  | SOLE | 0 | 0 | 0 | 99483 |
| ISHARES TR | S SML 600 GWT | 464287887 |  | 372409 | 3446 | SH |  | SOLE | 0 | 0 | 0 | 3446 |
| JANUS DETROIT STR TR | HENDRSN SHRT ETF | 47103U886 |  | 21478917 | 453142 | SH |  | SOLE | 0 | 0 | 0 | 453142 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 2579374 | 14602 | SH |  | SOLE | 0 | 0 | 0 | 14602 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 4273871 | 31871 | SH |  | SOLE | 0 | 0 | 0 | 31871 |
| KIMBERLY-CLARK CORP | COM | 494368103 |  | 761150 | 5607 | SH |  | SOLE | 0 | 0 | 0 | 5607 |
| KROGER CO | COM | 501044101 |  | 299221 | 6712 | SH |  | SOLE | 0 | 0 | 0 | 6712 |
| LAKELAND FINL CORP | COM | 511656100 |  | 470657 | 6450 | SH |  | SOLE | 0 | 0 | 0 | 6450 |
| LILLY ELI  CO | COM | 532457108 |  | 118170616 | 323012 | SH |  | SOLE | 0 | 0 | 0 | 323012 |
| LOWES COS INC | COM | 548661107 |  | 1034818 | 5194 | SH |  | SOLE | 0 | 0 | 0 | 5194 |
| LYONDELLBASELL INDUSTRIES N | SHS - A - | N53745100 |  | 268036 | 3228 | SH |  | SOLE | 0 | 0 | 0 | 3228 |
| MAGELLAN MIDSTREAM PRTNRS LP | COM UNIT RP LP | 559080106 |  | 200840 | 4000 | SH |  | SOLE | 0 | 0 | 0 | 4000 |
| MASTEC INC | COM | 576323109 |  | 301556 | 3534 | SH |  | SOLE | 0 | 0 | 0 | 3534 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 352188 | 1013 | SH |  | SOLE | 0 | 0 | 0 | 1013 |
| MATTHEWS ASIA FDS | EMER MKTS EQUITY | 577125818 |  | 393292 | 14874 | SH |  | SOLE | 0 | 0 | 0 | 14874 |
| MCDONALDS CORP | COM | 580135101 |  | 1352948 | 5134 | SH |  | SOLE | 0 | 0 | 0 | 5134 |
| MERCK  CO INC | COM | 58933Y105 |  | 708971 | 6390 | SH |  | SOLE | 0 | 0 | 0 | 6390 |
| META PLATFORMS INC | CL A | 30303M102 |  | 339118 | 2818 | SH |  | SOLE | 0 | 0 | 0 | 2818 |
| MICROSOFT CORP | COM | 594918104 |  | 8422686 | 35121 | SH |  | SOLE | 0 | 0 | 0 | 35121 |
| MONDELEZ INTL INC | CL A | 609207105 |  | 314242 | 4715 | SH |  | SOLE | 0 | 0 | 0 | 4715 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 244680 | 2878 | SH |  | SOLE | 0 | 0 | 0 | 2878 |
| NEW JERSEY RES CORP | COM | 646025106 |  | 251077 | 5060 | SH |  | SOLE | 0 | 0 | 0 | 5060 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 971474 | 11620 | SH |  | SOLE | 0 | 0 | 0 | 11620 |
| NIKE INC | CL B | 654106103 |  | 853831 | 7297 | SH |  | SOLE | 0 | 0 | 0 | 7297 |
| NISOURCE INC | COM | 65473P105 |  | 223490 | 8151 | SH |  | SOLE | 0 | 0 | 0 | 8151 |
| NOVARTIS AG | SPONSORED ADR | 66987V109 |  | 359098 | 3958 | SH |  | SOLE | 0 | 0 | 0 | 3958 |
| NUVEEN MUNICIPAL CREDIT INC | COM SH BEN INT | 67070X101 |  | 142580 | 11803 | SH |  | SOLE | 0 | 0 | 0 | 11803 |
| NUVEEN QUALITY MUNCP INCOME | COM | 67066V101 |  | 215881 | 18295 | SH |  | SOLE | 0 | 0 | 0 | 18295 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 316065 | 2163 | SH |  | SOLE | 0 | 0 | 0 | 2163 |
| OCUPHIRE PHARMA INC | COM | 67577R102 |  | 52950 | 15000 | SH |  | SOLE | 0 | 0 | 0 | 15000 |
| ORACLE CORP | COM | 68389X105 |  | 1229304 | 15039 | SH |  | SOLE | 0 | 0 | 0 | 15039 |
| OREILLY AUTOMOTIVE INC | COM | 67103H107 |  | 1221311 | 1447 | SH |  | SOLE | 0 | 0 | 0 | 1447 |
| PACER FDS TR | PACER US SMALL | 69374H857 |  | 1182066 | 32881 | SH |  | SOLE | 0 | 0 | 0 | 32881 |
| PACER FDS TR | US CASH COWS 100 | 69374H881 |  | 1423863 | 30786 | SH |  | SOLE | 0 | 0 | 0 | 30786 |
| PEPSICO INC | COM | 713448108 |  | 2304401 | 12755 | SH |  | SOLE | 0 | 0 | 0 | 12755 |
| PFIZER INC | COM | 717081103 |  | 1465796 | 28606 | SH |  | SOLE | 0 | 0 | 0 | 28606 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 549469 | 5429 | SH |  | SOLE | 0 | 0 | 0 | 5429 |
| PIMCO ETF TR | SHTRM MUN BD ACT | 72201R874 |  | 649905 | 13184 | SH |  | SOLE | 0 | 0 | 0 | 13184 |
| PIMCO ETF TR | ENHNCD LW DUR AC | 72201R718 |  | 296071 | 3141 | SH |  | SOLE | 0 | 0 | 0 | 3141 |
| PIMCO ETF TR | INTER MUN BD ACT | 72201R866 |  | 654992 | 12748 | SH |  | SOLE | 0 | 0 | 0 | 12748 |
| PIMCO ETF TR | ENHAN SHRT MA AC | 72201R833 |  | 1471614 | 14918 | SH |  | SOLE | 0 | 0 | 0 | 14918 |
| PINNACLE WEST CAP CORP | COM | 723484101 |  | 236560 | 3111 | SH |  | SOLE | 0 | 0 | 0 | 3111 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 1899578 | 12534 | SH |  | SOLE | 0 | 0 | 0 | 12534 |
| PRUDENTIAL FINL INC | COM | 744320102 |  | 232537 | 2338 | SH |  | SOLE | 0 | 0 | 0 | 2338 |
| QUALCOMM INC | COM | 747525103 |  | 354337 | 3223 | SH |  | SOLE | 0 | 0 | 0 | 3223 |
| RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 |  | 491783 | 4873 | SH |  | SOLE | 0 | 0 | 0 | 4873 |
| RESMED INC | COM | 761152107 |  | 437073 | 2100 | SH |  | SOLE | 0 | 0 | 0 | 2100 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 527067 | 11762 | SH |  | SOLE | 0 | 0 | 0 | 11762 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 415219 | 5497 | SH |  | SOLE | 0 | 0 | 0 | 5497 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 297051 | 7333 | SH |  | SOLE | 0 | 0 | 0 | 7333 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 440980 | 9767 | SH |  | SOLE | 0 | 0 | 0 | 9767 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 |  | 341764 | 9993 | SH |  | SOLE | 0 | 0 | 0 | 9993 |
| SIMON PPTY GROUP INC NEW | COM | 828806109 |  | 960791 | 8178 | SH |  | SOLE | 0 | 0 | 0 | 8178 |
| SIRIUS XM HOLDINGS INC | COM | 82968B103 |  | 93615 | 16030 | SH |  | SOLE | 0 | 0 | 0 | 16030 |
| SOUTHERN CO | COM | 842587107 |  | 323380 | 4529 | SH |  | SOLE | 0 | 0 | 0 | 4529 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 537250 | 3167 | SH |  | SOLE | 0 | 0 | 0 | 3167 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 5873523 | 15358 | SH |  | SOLE | 0 | 0 | 0 | 15358 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 290913 | 657 | SH |  | SOLE | 0 | 0 | 0 | 657 |
| SPDR SER TR | S DIVID ETF | 78464A763 |  | 213117 | 1703 | SH |  | SOLE | 0 | 0 | 0 | 1703 |
| SSGA ACTIVE ETF TR | SPDR TR TACTIC | 78467V848 |  | 10633991 | 265584 | SH |  | SOLE | 0 | 0 | 0 | 265584 |
| STARBUCKS CORP | COM | 855244109 |  | 615173 | 6201 | SH |  | SOLE | 0 | 0 | 0 | 6201 |
| STEEL DYNAMICS INC | COM | 858119100 |  | 221773 | 2270 | SH |  | SOLE | 0 | 0 | 0 | 2270 |
| STRYKER CORPORATION | COM | 863667101 |  | 423809 | 1733 | SH |  | SOLE | 0 | 0 | 0 | 1733 |
| T ROWE PRICE ETF INC | PRICE BLUE CHIP | 87283Q107 |  | 723989 | 35111 | SH |  | SOLE | 0 | 0 | 0 | 35111 |
| TARGET CORP | COM | 87612E106 |  | 328793 | 2206 | SH |  | SOLE | 0 | 0 | 0 | 2206 |
| TESLA INC | COM | 88160R101 |  | 408166 | 3314 | SH |  | SOLE | 0 | 0 | 0 | 3314 |
| THOR INDS INC | COM | 885160101 |  | 210617 | 2790 | SH |  | SOLE | 0 | 0 | 0 | 2790 |
| TIDAL ETF TR | GOTHAM ENHNCD | 886364835 |  | 499321 | 23881 | SH |  | SOLE | 0 | 0 | 0 | 23881 |
| TJX COS INC NEW | COM | 872540109 |  | 247006 | 3103 | SH |  | SOLE | 0 | 0 | 0 | 3103 |
| UNILEVER PLC | SPON ADR NEW | 904767704 |  | 284125 | 5643 | SH |  | SOLE | 0 | 0 | 0 | 5643 |
| UNION PAC CORP | COM | 907818108 |  | 393433 | 1900 | SH |  | SOLE | 0 | 0 | 0 | 1900 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 247027 | 1421 | SH |  | SOLE | 0 | 0 | 0 | 1421 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 522757 | 986 | SH |  | SOLE | 0 | 0 | 0 | 986 |
| US BANCORP DEL | COM NEW | 902973304 |  | 508300 | 11656 | SH |  | SOLE | 0 | 0 | 0 | 11656 |
| VALERO ENERGY CORP | COM | 91913Y100 |  | 204498 | 1612 | SH |  | SOLE | 0 | 0 | 0 | 1612 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 207158 | 2787 | SH |  | SOLE | 0 | 0 | 0 | 2787 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 880623 | 2506 | SH |  | SOLE | 0 | 0 | 0 | 2506 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 479288 | 3018 | SH |  | SOLE | 0 | 0 | 0 | 3018 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 839227 | 3938 | SH |  | SOLE | 0 | 0 | 0 | 3938 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 1774108 | 9279 | SH |  | SOLE | 0 | 0 | 0 | 9279 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 396892 | 2162 | SH |  | SOLE | 0 | 0 | 0 | 2162 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 744264 | 9024 | SH |  | SOLE | 0 | 0 | 0 | 9024 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 308060 | 6144 | SH |  | SOLE | 0 | 0 | 0 | 6144 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 495057 | 12700 | SH |  | SOLE | 0 | 0 | 0 | 12700 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 30172964 | 609678 | SH |  | SOLE | 0 | 0 | 0 | 609678 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 3599796 | 47876 | SH |  | SOLE | 0 | 0 | 0 | 47876 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 294603 | 3801 | SH |  | SOLE | 0 | 0 | 0 | 3801 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 339081 | 2233 | SH |  | SOLE | 0 | 0 | 0 | 2233 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 781955 | 15119 | SH |  | SOLE | 0 | 0 | 0 | 15119 |
| VANGUARD WORLD FDS | INF TECH ETF | 92204A702 |  | 256806 | 804 | SH |  | SOLE | 0 | 0 | 0 | 804 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 309150 | 7846 | SH |  | SOLE | 0 | 0 | 0 | 7846 |
| VISA INC | COM CL A | 92826C839 |  | 528772 | 2545 | SH |  | SOLE | 0 | 0 | 0 | 2545 |
| WALMART INC | COM | 931142103 |  | 1310800 | 9245 | SH |  | SOLE | 0 | 0 | 0 | 9245 |
| WATERS CORP | COM | 941848103 |  | 205548 | 600 | SH |  | SOLE | 0 | 0 | 0 | 600 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 407309 | 9865 | SH |  | SOLE | 0 | 0 | 0 | 9865 |
| WEYERHAEUSER CO MTN BE | COM NEW | 962166104 |  | 258459 | 8337 | SH |  | SOLE | 0 | 0 | 0 | 8337 |

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