{"url":"https://nivawealth.com/firms/cfs-investment-advisory-services-106577","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/106577","regulatoryAum":2730118221,"crd":"106577","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5973991","suffix":null,"lastName":"BARTLETT","firstName":"JOHN","middleName":"JOSEPH"},{"crd":"5867126","suffix":null,"lastName":"GHETIAN","firstName":"ANTHONY","middleName":"E"},{"crd":"4460292","suffix":null,"lastName":"JAFFE","firstName":"ROBERT","middleName":"MICHAEL"},{"crd":"6484618","suffix":null,"lastName":"MAKOWSKI","firstName":"ALEXANDRA","middleName":"MARIE"},{"crd":"1029875","suffix":null,"lastName":"MAKOWSKI","firstName":"GREGORY","middleName":"MARK"},{"crd":"1346496","suffix":null,"lastName":"NYDICK","firstName":"HARRIS","middleName":"SCOTT"},{"crd":"5973283","suffix":null,"lastName":"NYDICK","firstName":"PHILIP","middleName":"SAMUEL"},{"crd":"7285680","suffix":null,"lastName":"Paszkiewicz","firstName":"Alexander","middleName":"Christopher"},{"crd":"712156","suffix":"III","lastName":"SWIKART","firstName":"EDWARD","middleName":null},{"crd":"6691251","suffix":null,"lastName":"SWIKART","firstName":"JOHN","middleName":"RYAN"}],"total":10,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-05-27","regulatoryAum":1678014848,"clients":827,"employees":12,"offices":3},{"filedOn":"2022-03-01","regulatoryAum":2051885511,"clients":871,"employees":12,"offices":3},{"filedOn":"2023-03-15","regulatoryAum":1810510554,"clients":1034,"employees":12,"offices":3},{"filedOn":"2024-03-13","regulatoryAum":2087107293,"clients":1183,"employees":10,"offices":3},{"filedOn":"2025-03-28","regulatoryAum":2376592617,"clients":1182,"employees":16,"offices":3},{"filedOn":"2026-03-05","regulatoryAum":2730118221,"clients":1238,"employees":13,"offices":3}],"secFileNumber":"801-45064","legalName":"CFS Investment Advisory Services LLC","displayName":"CFS Investment Advisory Services","slug":"cfs-investment-advisory-services-106577","website":"https://cfsias.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/106577/74247f7bd9f46855-r1.webp","tone":"light","width":283,"height":200,"sourceUrl":"https://www.cfsias.com/","sourceLabel":"CFS Investment Advisory Services LLC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/5181038/","founded":null,"organization":"New Jersey limited liability company","fiscalYearEnd":"December","headquarters":{"street":"97 Lackawanna Avenue, Suite 101","city":"Totowa","state":"NJ","stateName":"New Jersey","country":"United States","postalCode":"07512"},"tradeNames":["CFS Common Financial Sense"],"registration":{"secApproved":"28 December 1993","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1544427.852502195,"staff":{"employees":13,"advisory":10,"brokerDealerReps":0,"insuranceAgents":7,"promoters":1},"aum":{"regulatory":2730118221,"discretionary":1854725417,"discretionaryAccounts":3374,"nonDiscretionary":875392804,"nonDiscretionaryAccounts":63,"wrapProgram":685887,"nonUsClientsPct":1,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":607,"regulatoryAum":144582328},{"label":"High-net-worth individuals","clients":532,"regulatoryAum":1614520996},{"label":"Pension and profit-sharing plans","clients":87,"regulatoryAum":942459726},{"label":"Charitable organizations","clients":5,"regulatoryAum":21090819},{"label":"Corporations and other businesses","clients":7,"regulatoryAum":7464352}],"feePrograms":[{"role":"main","program":"Investment management fees","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1014951","versionId":1014951,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-05","documentName":"ADV 2A","fee_rate_low":0.25,"fee_rate_high":1.25,"fee_negotiable":true,"minimum_account":500000,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Stand-alone financial planning and consulting","summary":"Stand-alone financial planning and consulting is a fixed fee of $500 to $5,000, or $450 per hour.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1014951","versionId":1014951,"submittedOn":"2026-03-05","documentName":"ADV 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T04:01:23.313373+00:00","documents":[{"name":"ADV 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1014951","versionId":1014951,"submittedOn":"2026-03-05"}]},"custodians":[{"name":"Raymond James Financial Services, Inc.","shortName":"Raymond James","location":"St Petersburg, FL","smaAssets":242796481},{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":1506647762},{"name":"Great-West Trust Company, LLC","shortName":"Great-West Trust","location":"Greenwood Village, CO","smaAssets":221752297},{"name":"Fidelity Brokerage Services LLC","shortName":"Fidelity","location":"Smithfield, RI","smaAssets":305802362}],"custodyNote":"CFS Investment Advisory Services has custody of client assets.","otherCustodians":[],"leadership":[{"name":"Gregory Makowski","title":"Managing Member/Chief Compliance Officer","crd":"1029875"},{"name":"Harris Nydick","title":"Managing Member","crd":"1346496"}],"ownership":[{"label":"Gregory Makowski","detail":"Managing member/chief compliance officer in the 50% to 75% ownership band and a control person, since January 1998."},{"label":"Harris Nydick","detail":"Managing member in the 50% to 75% ownership band and a control person, since January 1998."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":2,"privateResidences":1},"listedOfficeAddresses":2,"foreignOffices":[],"officesByState":[{"state":"New Jersey","offices":2,"addresses":[{"street":"97 Lackawanna Avenue, Suite 101","city":"Totowa","headquarters":true},{"street":"101 Crawfords Corner Road","city":"Holmdel"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"973-826-8800","stateRegisteredReps":10,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Portfolio management for businesses (other than small businesses) or institutional clients","Pension consulting services","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"251-500","assetMix":[{"label":"Exchange-traded equity securities","percent":15},{"label":"U.S. government/agency bonds","percent":1},{"label":"U.S. state and local bonds","percent":9},{"label":"Securities issued by registered investment companies or business development companies","percent":69},{"label":"Cash and cash equivalents","percent":5},{"label":"Other","percent":2,"detail":"Annuities"}],"privateFunds":0},"sources":{"adv1FilingDate":"5 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/106577/PDF/106577.pdf","brochureDate":"5 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1014951","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does CFS Investment Advisory Services have?","answer":"CFS Investment Advisory Services has 1,238 clients and manages $2.73 billion for them, as of March 2026. They include 607 individual clients, 532 high-net-worth individuals, and 87 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 5 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does CFS Investment Advisory Services offer?","answer":"CFS Investment Advisory Services provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, and selecting other managers.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does CFS Investment Advisory Services charge?","answer":"CFS Investment Advisory Services charges 0.25%–1.25% a year for its Investment management fees. The fee is billed in advance, is negotiable and requires an account of at least $500,000.","source":"ADV 2A, filed 5 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does CFS Investment Advisory Services use?","answer":"CFS Investment Advisory Services’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $1.51B, Fidelity Brokerage Services LLC (Smithfield, RI), with $306M, Raymond James Financial Services, Inc. (St Petersburg, FL), with $243M and Great-West Trust Company, LLC (Greenwood Village, CO), with $222M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 5 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does CFS Investment Advisory Services have?","answer":"CFS Investment Advisory Services has 10 investment adviser representatives registered with state securities authorities, out of 13 employees, and 10 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 7 employees are licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does CFS Investment Advisory Services invest in?","answer":"At the end of its last fiscal year, CFS Investment Advisory Services’ separately managed accounts held 69% registered funds (mutual funds, ETFs, BDCs), 15% exchange-traded equities, 9% state and local bonds, 5% cash and equivalents, 2% other and 1% U.S. government and agency bonds. The 2% other category is described as: Annuities.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Does CFS Investment Advisory Services have a minimum investment?","answer":"Yes, CFS Investment Advisory Services’ minimum account size for its Investment management fees is $500K.","source":"ADV 2A, filed 5 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns CFS Investment Advisory Services?","answer":"CFS Investment Advisory Services’ direct owners are Gregory Makowski (50% to 75%) and Harris Nydick (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 5 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does CFS Investment Advisory Services get paid?","answer":"CFS Investment Advisory Services is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact CFS Investment Advisory Services?","answer":"CFS Investment Advisory Services’ main office is at 97 Lackawanna Avenue, Suite 101, Totowa, NJ 07512. Its phone number is 973-826-8800. Its website is cfsias.com.","source":"Form ADV Part 1A, Item 1.F, filed 5 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/cfs-investment-advisory-services-106577/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-07-16","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/1845688/000184568826000003/0001845688-26-000003-index.html","totalValue":1499589184,"positionCount":357,"top10Share":0.3477335243303542,"top10":[{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST STR P500ETF","cusip":"78464A854","value":130649670,"shares":1490244,"shareType":"SH","priorValue":92793660,"priorShares":1110238},{"issuer":"PACER FDS TR","titleOfClass":"TRENDP US LAR CP","cusip":"69374H105","value":118104259,"shares":2031377,"shareType":"SH","priorValue":112489882,"priorShares":2034543},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"GROWTH ETF","cusip":"922908736","value":55762151,"shares":652189,"shareType":"SH","priorValue":53065843,"priorShares":107438},{"issuer":"ISHARES TR","titleOfClass":"RUS 1000 VAL ETF","cusip":"464287598","value":40997763,"shares":166111,"shareType":"SH","priorValue":40448742,"priorShares":178071},{"issuer":"BLACKROCK ETF TRUST","titleOfClass":"ISHARES US EQUIT","cusip":"09290C103","value":35792057,"shares":533175,"shareType":"SH","priorValue":37571232,"priorShares":589815},{"issuer":"ISHARES TR","titleOfClass":"CORE S&P500 ETF","cusip":"464287200","value":31527883,"shares":42125,"shareType":"SH","priorValue":30304960,"priorShares":42482},{"issuer":"VANGUARD TAX-MANAGED FDS","titleOfClass":"VAN FTSE DEV MKT","cusip":"921943858","value":29336623,"shares":414301,"shareType":"SH","priorValue":23017380,"priorShares":330567},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US COR EQU 2 ETF","cusip":"25434V708","value":28596518,"shares":646249,"shareType":"SH","priorValue":27254159,"priorShares":647521},{"issuer":"ISHARES TR","titleOfClass":"CORE S&P MCP ETF","cusip":"464287507","value":27559097,"shares":362191,"shareType":"SH","priorValue":22344179,"priorShares":306505},{"issuer":"BLACKROCK ETF TRUST","titleOfClass":"ISHA IN CTRY ETF","cusip":"09290C764","value":23131411,"shares":644329,"shareType":"SH","priorValue":22031533,"priorShares":631638}],"positionsListed":200,"positions":[{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST STR P500ETF","cusip":"78464A854","value":130649670,"shares":1490244,"shareType":"SH","priorValue":92793660,"priorShares":1110238},{"issuer":"PACER FDS TR","titleOfClass":"TRENDP US LAR CP","cusip":"69374H105","value":118104259,"shares":2031377,"shareType":"SH","priorValue":112489882,"priorShares":2034543},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"GROWTH ETF","cusip":"922908736","value":55762151,"shares":652189,"shareType":"SH","priorValue":53065843,"priorShares":107438},{"issuer":"ISHARES TR","titleOfClass":"RUS 1000 VAL ETF","cusip":"464287598","value":40997763,"shares":166111,"shareType":"SH","priorValue":40448742,"priorShares":178071},{"issuer":"BLACKROCK ETF TRUST","titleOfClass":"ISHARES US EQUIT","cusip":"09290C103","value":35792057,"shares":533175,"shareType":"SH","priorValue":37571232,"priorShares":589815},{"issuer":"ISHARES TR","titleOfClass":"CORE S&P500 ETF","cusip":"464287200","value":31527883,"shares":42125,"shareType":"SH","priorValue":30304960,"priorShares":42482},{"issuer":"VANGUARD TAX-MANAGED FDS","titleOfClass":"VAN FTSE DEV MKT","cusip":"921943858","value":29336623,"shares":414301,"shareType":"SH","priorValue":23017380,"priorShares":330567},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US COR EQU 2 ETF","cusip":"25434V708","value":28596518,"shares":646249,"shareType":"SH","priorValue":27254159,"priorShares":647521},{"issuer":"ISHARES TR","titleOfClass":"CORE S&P MCP ETF","cusip":"464287507","value":27559097,"shares":362191,"shareType":"SH","priorValue":22344179,"priorShares":306505},{"issuer":"BLACKROCK ETF TRUST","titleOfClass":"ISHA IN CTRY ETF","cusip":"09290C764","value":23131411,"shares":644329,"shareType":"SH","priorValue":22031533,"priorShares":631638},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"CORE FIXE IN ETF","cusip":"25434V872","value":22971527,"shares":544478,"shareType":"SH","priorValue":22562604,"priorShares":528522},{"issuer":"ISHARES TR","titleOfClass":"S&P 500 GRWT ETF","cusip":"464287309","value":22100266,"shares":163210,"shareType":"SH","priorValue":21509640,"priorShares":167625},{"issuer":"ISHARES TR","titleOfClass":"CORE UNIVRSL USD","cusip":"46434V613","value":22085618,"shares":480540,"shareType":"SH","priorValue":17222475,"priorShares":370137},{"issuer":"ISHARES TR","titleOfClass":"0-3 MTH TREASURY","cusip":"46436E718","value":21695988,"shares":216009,"shareType":"SH","priorValue":21622389,"priorShares":215020},{"issuer":"APPLE INC","titleOfClass":"COM","cusip":"037833100","value":20336314,"shares":65892,"shareType":"SH","priorValue":17904662,"priorShares":66257},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"INTERNATNAL VAL","cusip":"25434V807","value":19797700,"shares":360811,"shareType":"SH","priorValue":20413528,"priorShares":367348},{"issuer":"ISHARES TR","titleOfClass":"US TREAS BD ETF","cusip":"46429B267","value":18597904,"shares":819652,"shareType":"SH","priorValue":18386620,"priorShares":799766},{"issuer":"ISHARES TR","titleOfClass":"MBS ETF","cusip":"464288588","value":17433535,"shares":185207,"shareType":"SH","priorValue":17791888,"priorShares":186205},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"EMGR CRE EQT MNG","cusip":"25434V302","value":16797756,"shares":432486,"shareType":"SH","priorValue":16453577,"priorShares":434590},{"issuer":"BLACKROCK ETF TRUST","titleOfClass":"ISHA I IN TE ETF","cusip":"09290C780","value":16628835,"shares":353805,"shareType":"SH","priorValue":19392439,"priorShares":475072},{"issuer":"BLACKROCK ETF TRUST II","titleOfClass":"ISHA TOTA RE ETF","cusip":"092528876","value":16287769,"shares":325235,"shareType":"SH","priorValue":14782364,"priorShares":291738},{"issuer":"VANGUARD SCOTTSDALE FDS","titleOfClass":"INTER TERM TREAS","cusip":"92206C706","value":15122772,"shares":257190,"shareType":"SH","priorValue":11418164,"priorShares":191067},{"issuer":"BLACKROCK ETF TRUST","titleOfClass":"ISHA SYST AL ETF","cusip":"09290C665","value":14471939,"shares":515750,"shareType":"SH"},{"issuer":"VANGUARD INTL EQUITY INDEX F","titleOfClass":"FTSE EMR MKT ETF","cusip":"922042858","value":13693705,"shares":231939,"shareType":"SH","priorValue":10846451,"priorShares":183279},{"issuer":"VANGUARD BD INDEX FDS","titleOfClass":"TOTAL BND MRKT","cusip":"921937835","value":13667622,"shares":186946,"shareType":"SH","priorValue":9842722,"priorShares":132902},{"issuer":"ISHARES TR","titleOfClass":"MSCI ACWI EX US","cusip":"464288240","value":13627915,"shares":181150,"shareType":"SH","priorValue":11263960,"priorShares":151255},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST LON TREAS ETF","cusip":"78464A664","value":13546846,"shares":521233,"shareType":"SH","priorValue":20767404,"priorShares":785454},{"issuer":"INVESCO EXCH TRADED FD TR II","titleOfClass":"S&P 500 MOMNTM","cusip":"46138E339","value":13466253,"shares":89281,"shareType":"SH","priorValue":16699271,"priorShares":130158},{"issuer":"ISHARES TR","titleOfClass":"3 7 YR TREAS BD","cusip":"464288661","value":12942412,"shares":110515,"shareType":"SH","priorValue":13782516,"priorShares":115800},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US AGGREGATE B","cusip":"808524839","value":12424895,"shares":539041,"shareType":"SH","priorValue":14010113,"priorShares":599748},{"issuer":"CAPITAL GROUP DIVIDEND VALUE","titleOfClass":"SHS CREAT UNIT","cusip":"14020W106","value":11771885,"shares":240488,"shareType":"SH","priorValue":11382284,"priorShares":247549},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US EQUI MARK ETF","cusip":"25434V401","value":11744495,"shares":143910,"shareType":"SH","priorValue":10877576,"priorShares":140519},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"INTL CORE EQT MK","cusip":"25434V203","value":11649219,"shares":280164,"shareType":"SH","priorValue":11415760,"priorShares":273628},{"issuer":"GLOBAL X FDS","titleOfClass":"DEFENSE TECH ETF","cusip":"37960A529","value":11164154,"shares":174549,"shareType":"SH","priorValue":13185176,"priorShares":179757},{"issuer":"PROSHARES TR","titleOfClass":"S&P 500 DV ARIST","cusip":"74348A467","value":10948972,"shares":189724,"shareType":"SH","priorValue":10278519,"priorShares":94463},{"issuer":"BLACKROCK ETF TRUST","titleOfClass":"ISHA US THEM ETF","cusip":"09290C806","value":10245241,"shares":240273,"shareType":"SH","priorValue":15639240,"priorShares":390981},{"issuer":"NVIDIA CORPORATION","titleOfClass":"COM","cusip":"67066G104","value":9856652,"shares":50591,"shareType":"SH","priorValue":9973286,"priorShares":49451},{"issuer":"BROADCOM INC","titleOfClass":"COM","cusip":"11135F101","value":9849296,"shares":27325,"shareType":"SH","priorValue":10965603,"priorShares":26973},{"issuer":"VANGUARD CHARLOTTE FDS","titleOfClass":"TOTAL INT BD ETF","cusip":"92203J407","value":9568356,"shares":198349,"shareType":"SH","priorValue":9882035,"priorShares":204470},{"issuer":"ISHARES TR","titleOfClass":"FUTU EXPO TE ETF","cusip":"46434V381","value":8983569,"shares":109236,"shareType":"SH","priorValue":8258656,"priorShares":110233},{"issuer":"ISHARES INC","titleOfClass":"CORE MSCI EMKT","cusip":"46434G103","value":8772260,"shares":109873,"shareType":"SH","priorValue":10536471,"priorShares":134910},{"issuer":"ISHARES TR","titleOfClass":"CORE US AGGBD ET","cusip":"464287226","value":8604314,"shares":87256,"shareType":"SH","priorValue":9267678,"priorShares":92816},{"issuer":"ISHARES TR","titleOfClass":"ESG AWR MSCI USA","cusip":"46435G425","value":7961338,"shares":48723,"shareType":"SH","priorValue":7510194,"priorShares":48638},{"issuer":"JOHNSON & JOHNSON","titleOfClass":"COM","cusip":"478160104","value":7644465,"shares":29062,"shareType":"SH","priorValue":6834972,"priorShares":29187},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"SHOR DUR FIX ETF","cusip":"25434V864","value":7585899,"shares":158867,"shareType":"SH","priorValue":7475298,"priorShares":155057},{"issuer":"ISHARES TR","titleOfClass":"U.S. TECH ETF","cusip":"464287721","value":7519636,"shares":30884,"shareType":"SH","priorValue":6952687,"priorShares":33097},{"issuer":"SPDR INDEX SHS FDS","titleOfClass":"ST STR SP N AM","cusip":"78463X152","value":7202958,"shares":94701,"shareType":"SH","priorValue":7942001,"priorShares":95205},{"issuer":"ISHARES TR","titleOfClass":"CORE S&P SCP ETF","cusip":"464287804","value":7015866,"shares":47896,"shareType":"SH","priorValue":6609063,"priorShares":48815},{"issuer":"ISHARES TR","titleOfClass":"CORE MSCI EAFE","cusip":"46432F842","value":6547787,"shares":67295,"shareType":"SH","priorValue":6531988,"priorShares":67002},{"issuer":"ABBVIE INC","titleOfClass":"COM","cusip":"00287Y109","value":6311367,"shares":24175,"shareType":"SH","priorValue":5112812,"priorShares":24536},{"issuer":"ISHARES INC","titleOfClass":"EM MKTS DIV ETF","cusip":"464286319","value":6259076,"shares":194623,"shareType":"SH","priorValue":9355500,"priorShares":261546},{"issuer":"ISHARES TR","titleOfClass":"S&P 100 ETF","cusip":"464287101","value":6190413,"shares":16910,"shareType":"SH","priorValue":5815144,"priorShares":16628},{"issuer":"BLACKROCK ETF TRUST","titleOfClass":"ISHARES INTL DIV","cusip":"09290C848","value":6162453,"shares":207490,"shareType":"SH","priorValue":7908550,"priorShares":256023},{"issuer":"JPMORGAN CHASE & CO","titleOfClass":"COM","cusip":"46625H100","value":6150569,"shares":18389,"shareType":"SH","priorValue":5709026,"priorShares":18399},{"issuer":"ISHARES TR","titleOfClass":"EAFE GRWTH ETF","cusip":"464288885","value":6148491,"shares":49733,"shareType":"SH","priorValue":6507594,"priorShares":53184},{"issuer":"FIRST TR EXCHANGE-TRADED FD","titleOfClass":"SHS","cusip":"336917109","value":6141869,"shares":123207,"shareType":"SH","priorValue":6293723,"priorShares":126507},{"issuer":"ISHARES TR","titleOfClass":"MSCI USA QLT FCT","cusip":"46432F339","value":6128709,"shares":28058,"shareType":"SH","priorValue":18268760,"priorShares":88289},{"issuer":"ELI LILLY & CO","titleOfClass":"COM","cusip":"532457108","value":5872775,"shares":4838,"shareType":"SH","priorValue":4394957,"priorShares":4741},{"issuer":"EXXON MOBIL CORP","titleOfClass":"COM","cusip":"30231G102","value":5788488,"shares":42224,"shareType":"SH","priorValue":6197634,"priorShares":42322},{"issuer":"MICROSOFT CORP","titleOfClass":"COM","cusip":"594918104","value":5734389,"shares":14685,"shareType":"SH","priorValue":5892049,"priorShares":13936},{"issuer":"WALMART INC","titleOfClass":"COM","cusip":"931142103","value":5657874,"shares":50589,"shareType":"SH","priorValue":6411720,"priorShares":50288},{"issuer":"ISHARES TR","titleOfClass":"CORE S&P TTL STK","cusip":"464287150","value":5634613,"shares":34408,"shareType":"SH","priorValue":5385025,"priorShares":34610},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST STR SP600 SML","cusip":"78468R853","value":5581093,"shares":98000,"shareType":"SH","priorValue":3190244,"priorShares":60547},{"issuer":"AMERICAN CENTY ETF TR","titleOfClass":"AVANTIS EMGMKT","cusip":"025072604","value":5397202,"shares":58386,"shareType":"SH","priorValue":9288872,"priorShares":103313},{"issuer":"ISHARES TR","titleOfClass":"MSCI EAFE ETF","cusip":"464287465","value":5338421,"shares":51149,"shareType":"SH","priorValue":5433716,"priorShares":52087},{"issuer":"ISHARES TR","titleOfClass":"S&P 500 VAL ETF","cusip":"464287408","value":5246879,"shares":22793,"shareType":"SH","priorValue":7666569,"priorShares":34708},{"issuer":"WW GRAINGER INC","titleOfClass":"COM","cusip":"384802104","value":4854873,"shares":3615,"shareType":"SH","priorValue":4258686,"priorShares":3662},{"issuer":"ISHARES TR","titleOfClass":"S&P MC 400VL ETF","cusip":"464287705","value":4764563,"shares":32465,"shareType":"SH","priorValue":4657900,"priorShares":32925},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"TOTAL STK MKT","cusip":"922908769","value":4538243,"shares":12307,"shareType":"SH","priorValue":4310131,"priorShares":12296},{"issuer":"ISHARES TR","titleOfClass":"0-5 YR TIPS ETF","cusip":"46429B747","value":4317055,"shares":42646,"shareType":"SH","priorValue":3100825,"priorShares":29899},{"issuer":"PROCTER & GAMBLE CO","titleOfClass":"COM","cusip":"742718109","value":4269459,"shares":28198,"shareType":"SH","priorValue":4203814,"priorShares":28611},{"issuer":"WORLD GOLD TR","titleOfClass":"SPDR GLD MINIS","cusip":"98149E303","value":4193928,"shares":51434,"shareType":"SH","priorValue":5428181,"priorShares":56520},{"issuer":"ISHARES TR","titleOfClass":"S&P MC 400GR ETF","cusip":"464287606","value":4192251,"shares":36413,"shareType":"SH","priorValue":4067902,"priorShares":37045},{"issuer":"ISHARES TR","titleOfClass":"RUS 2000 GRW ETF","cusip":"464287648","value":3945930,"shares":10202,"shareType":"SH","priorValue":3673256,"priorShares":10308},{"issuer":"BERKSHIRE HATHAWAY INC DEL","titleOfClass":"CL B NEW","cusip":"084670702","value":3941388,"shares":7762,"shareType":"SH","priorValue":3921929,"priorShares":8264},{"issuer":"COCA COLA CO","titleOfClass":"COM","cusip":"191216100","value":3935396,"shares":46772,"shareType":"SH","priorValue":3571747,"priorShares":47158},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"S&P 500 ETF SHS","cusip":"922908363","value":3880723,"shares":5667,"shareType":"SH","priorValue":3083359,"priorShares":4723},{"issuer":"ALPHABET INC","titleOfClass":"CAP STK CL A","cusip":"02079K305","value":3785173,"shares":10517,"shareType":"SH","priorValue":3478986,"priorShares":10182},{"issuer":"ISHARES TR","titleOfClass":"ULTRA SHORT DUR","cusip":"46434V878","value":3751324,"shares":74372,"shareType":"SH","priorValue":3078501,"priorShares":60864},{"issuer":"CINTAS CORP","titleOfClass":"COM","cusip":"172908105","value":3690154,"shares":20346,"shareType":"SH","priorValue":3737665,"priorShares":20861},{"issuer":"AMAZON COM INC","titleOfClass":"COM","cusip":"023135106","value":3599039,"shares":14831,"shareType":"SH","priorValue":3987412,"priorShares":15914},{"issuer":"LINDE PLC","titleOfClass":"SHS","cusip":"G54950103","value":3574007,"shares":6556,"shareType":"SH","priorValue":3288589,"priorShares":6681},{"issuer":"ISHARES TR","titleOfClass":"7-10 YR TRSY BD","cusip":"464287440","value":3543430,"shares":37648,"shareType":"SH"},{"issuer":"AFLAC INC","titleOfClass":"COM","cusip":"001055102","value":3475819,"shares":28754,"shareType":"SH","priorValue":3345954,"priorShares":29217},{"issuer":"AMGEN INC","titleOfClass":"COM","cusip":"031162100","value":3461262,"shares":9251,"shareType":"SH","priorValue":3330227,"priorShares":9373},{"issuer":"MERCK & CO INC","titleOfClass":"COM","cusip":"58933Y105","value":3429065,"shares":26467,"shareType":"SH","priorValue":3152974,"priorShares":26480},{"issuer":"CHUBB LIMITED","titleOfClass":"COM","cusip":"H1467J104","value":3402944,"shares":9422,"shareType":"SH","priorValue":3174314,"priorShares":9595},{"issuer":"BLACKROCK ETF TRUST II","titleOfClass":"ISHA FLEX IN ETF","cusip":"092528603","value":3375521,"shares":64752,"shareType":"SH","priorValue":8145503,"priorShares":155123},{"issuer":"ISHARES TR","titleOfClass":"NATIONAL MUN ETF","cusip":"464288414","value":3367438,"shares":31325,"shareType":"SH","priorValue":3429613,"priorShares":31942},{"issuer":"INVESCO EXCH TRADED FD TR II","titleOfClass":"NASDAQ 100 ETF","cusip":"46138G649","value":3343459,"shares":11395,"shareType":"SH","priorValue":3086583,"priorShares":11555},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US TARGETED VLU","cusip":"25434V609","value":3320288,"shares":47719,"shareType":"SH","priorValue":3299181,"priorShares":49814},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"EMERGING MKTS CO","cusip":"25434V732","value":3257789,"shares":82727,"shareType":"SH","priorValue":3279842,"priorShares":84948},{"issuer":"NUCOR CORP","titleOfClass":"COM","cusip":"670346105","value":3214782,"shares":14563,"shareType":"SH","priorValue":2925123,"priorShares":14934},{"issuer":"ISHARES TR","titleOfClass":"EAFE VALUE ETF","cusip":"464288877","value":3099520,"shares":39814,"shareType":"SH","priorValue":14044856,"priorShares":178665},{"issuer":"AMERICAN CENTY ETF TR","titleOfClass":"AVA MID EQU ETF","cusip":"025072125","value":3097277,"shares":38813,"shareType":"SH","priorValue":2910509,"priorShares":37740},{"issuer":"NEXTERA ENERGY INC","titleOfClass":"COM","cusip":"65339F101","value":3045345,"shares":34473,"shareType":"SH","priorValue":3185727,"priorShares":34635},{"issuer":"CARDINAL HEALTH INC","titleOfClass":"COM","cusip":"14149Y108","value":3042423,"shares":12733,"shareType":"SH","priorValue":2811829,"priorShares":13140},{"issuer":"CITIGROUP INC","titleOfClass":"COM NEW","cusip":"172967424","value":2891920,"shares":20661,"shareType":"SH","priorValue":2722379,"priorShares":20596},{"issuer":"INTERNATIONAL BUSINESS MACHS","titleOfClass":"COM","cusip":"459200101","value":2873486,"shares":9925,"shareType":"SH","priorValue":2601616,"priorShares":10264},{"issuer":"PIMCO ETF TR","titleOfClass":"SHTRM MUN BD ACT","cusip":"72201R874","value":2862444,"shares":56772,"shareType":"SH","priorValue":2878910,"priorShares":56963},{"issuer":"VANGUARD INTL EQUITY INDEX F","titleOfClass":"TT WRLD ST ETF","cusip":"922042742","value":2681971,"shares":17173,"shareType":"SH","priorValue":2527656,"priorShares":16757},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"INTL CORE EQUITY","cusip":"25434V799","value":2681217,"shares":71290,"shareType":"SH","priorValue":2895405,"priorShares":76235},{"issuer":"NORTHERN LIGHTS FD TR","titleOfClass":"TOEWS AGILTY SHS","cusip":"66538J720","value":2668067,"shares":68996,"shareType":"SH","priorValue":3098213,"priorShares":83781},{"issuer":"CATERPILLAR INC","titleOfClass":"COM","cusip":"149123101","value":2624177,"shares":2724,"shareType":"SH","priorValue":2161053,"priorShares":2720},{"issuer":"APPLIED MATLS INC","titleOfClass":"COM","cusip":"038222105","value":2623827,"shares":4351,"shareType":"SH","priorValue":1720735,"priorShares":4335},{"issuer":"DOVER CORP","titleOfClass":"COM","cusip":"260003108","value":2607476,"shares":12201,"shareType":"SH","priorValue":2693904,"priorShares":12297},{"issuer":"GENERAL DYNAMICS CORP","titleOfClass":"COM","cusip":"369550108","value":2596477,"shares":6951,"shareType":"SH","priorValue":2354366,"priorShares":7001},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST STR SP AERO","cusip":"78464A631","value":2556984,"shares":8892,"shareType":"SH","priorValue":682106,"priorShares":2468},{"issuer":"INVESCO QQQ TR","titleOfClass":"UNIT SER 1","cusip":"46090E103","value":2519041,"shares":3535,"shareType":"SH","priorValue":2293685,"priorShares":3535},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST STR TIPS ETF","cusip":"78464A656","value":2508039,"shares":98664,"shareType":"SH","priorValue":1615040,"priorShares":61737},{"issuer":"LOWES COS INC","titleOfClass":"COM","cusip":"548661107","value":2487713,"shares":10935,"shareType":"SH","priorValue":2853750,"priorShares":11337},{"issuer":"ISHARES TR","titleOfClass":"TIPS BD ETF","cusip":"464287176","value":2462883,"shares":22735,"shareType":"SH","priorValue":2399273,"priorShares":21522},{"issuer":"S&P GLOBAL INC","titleOfClass":"COM","cusip":"78409V104","value":2461185,"shares":5595,"shareType":"SH","priorValue":2510257,"priorShares":5672},{"issuer":"SHERWIN WILLIAMS CO","titleOfClass":"COM","cusip":"824348106","value":2431407,"shares":6898,"shareType":"SH","priorValue":2475175,"priorShares":7163},{"issuer":"ISHARES TR","titleOfClass":"MSCI USA MMENTM","cusip":"46432F396","value":2429997,"shares":7677,"shareType":"SH","priorValue":2133695,"priorShares":7774},{"issuer":"EMERSON ELEC CO","titleOfClass":"COM","cusip":"291011104","value":2420582,"shares":17408,"shareType":"SH","priorValue":2618055,"priorShares":17889},{"issuer":"VANGUARD SPECIALIZED FUNDS","titleOfClass":"DIV APP ETF","cusip":"921908844","value":2394690,"shares":10036,"shareType":"SH","priorValue":2224463,"priorShares":9780},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"INFLATION PROTE","cusip":"25434V856","value":2381610,"shares":57729,"shareType":"SH","priorValue":2385810,"priorShares":56576},{"issuer":"STATE STR SPDR S&P 500 ETF T","titleOfClass":"TR UNIT","cusip":"78462F103","value":2328927,"shares":3127,"shareType":"SH","priorValue":2081420,"priorShares":2931},{"issuer":"MCDONALDS CORP","titleOfClass":"COM","cusip":"580135101","value":2318284,"shares":8261,"shareType":"SH","priorValue":2681744,"priorShares":8613},{"issuer":"CINCINNATI FINL CORP","titleOfClass":"COM","cusip":"172062101","value":2315690,"shares":12059,"shareType":"SH","priorValue":2057892,"priorShares":12336},{"issuer":"AUTOMATIC DATA PROCESSING IN","titleOfClass":"COM","cusip":"053015103","value":2312952,"shares":9547,"shareType":"SH","priorValue":1869984,"priorShares":9328},{"issuer":"CISCO SYS INC","titleOfClass":"COM","cusip":"17275R102","value":2263829,"shares":20089,"shareType":"SH","priorValue":1746476,"priorShares":20249},{"issuer":"CAPITAL GROUP GROWTH ETF","titleOfClass":"SHS CREAT UNIT","cusip":"14020G101","value":2261221,"shares":48597,"shareType":"SH","priorValue":2163192,"priorShares":48307},{"issuer":"BANK OF AMER CORP","titleOfClass":"COM","cusip":"060505104","value":2257757,"shares":38443,"shareType":"SH","priorValue":2029981,"priorShares":37655},{"issuer":"ISHARES TR","titleOfClass":"SYSTEMATIC BD ET","cusip":"46435U796","value":2227734,"shares":25222,"shareType":"SH","priorValue":3285172,"priorShares":36671},{"issuer":"J P MORGAN EXCHANGE TRADED F","titleOfClass":"US MOMENTUM","cusip":"46641Q779","value":2226248,"shares":26761,"shareType":"SH","priorValue":2242277,"priorShares":29905},{"issuer":"UNITEDHEALTH GROUP INC","titleOfClass":"COM","cusip":"91324P102","value":2203365,"shares":5180,"shareType":"SH","priorValue":1247553,"priorShares":3843},{"issuer":"FLEXSHARES TR","titleOfClass":"QUALT DIVD IDX","cusip":"33939L860","value":2160821,"shares":24136,"shareType":"SH","priorValue":6259736,"priorShares":73592},{"issuer":"VANGUARD MALVERN FDS","titleOfClass":"STRM INFPROIDX","cusip":"922020805","value":2125743,"shares":42875,"shareType":"SH","priorValue":1557418,"priorShares":31049},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US MKTWIDE VALUE","cusip":"25434V724","value":2124999,"shares":38742,"shareType":"SH","priorValue":2091440,"priorShares":41065},{"issuer":"PEPSICO INC","titleOfClass":"COM","cusip":"713448108","value":2113977,"shares":14658,"shareType":"SH","priorValue":2433321,"priorShares":15433},{"issuer":"ILLINOIS TOOL WKS INC","titleOfClass":"COM","cusip":"452308109","value":2058792,"shares":7548,"shareType":"SH","priorValue":2099125,"priorShares":7710},{"issuer":"ISHARES TR","titleOfClass":"ESG MSCI LEADR","cusip":"46435U218","value":2050160,"shares":15502,"shareType":"SH","priorValue":1962870,"priorShares":15742},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST STR NUVEE ETF","cusip":"78468R721","value":1948967,"shares":42619,"shareType":"SH","priorValue":1987357,"priorShares":43430},{"issuer":"ISHARES TR","titleOfClass":"GNMA BOND ETF","cusip":"46429B333","value":1945910,"shares":44170,"shareType":"SH","priorValue":1289009,"priorShares":28824},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US SMALL CAP ETF","cusip":"25434V500","value":1940006,"shares":23795,"shareType":"SH","priorValue":1756521,"priorShares":22809},{"issuer":"INVESCO EXCHANGE TRADED FD T","titleOfClass":"S&P500 PUR GWT","cusip":"46137V266","value":1932353,"shares":32319,"shareType":"SH","priorValue":1767293,"priorShares":32831},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"LARGE CAP ETF","cusip":"922908637","value":1891424,"shares":5515,"shareType":"SH","priorValue":1877278,"priorShares":5749},{"issuer":"BLACKROCK ETF TRUST II","titleOfClass":"ISH HIG MUN ETF","cusip":"092528843","value":1876579,"shares":37819,"shareType":"SH","priorValue":1034545,"priorShares":21191},{"issuer":"TESLA INC","titleOfClass":"COM","cusip":"88160R101","value":1855510,"shares":4716,"shareType":"SH","priorValue":1850464,"priorShares":4619},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"MID CAP ETF","cusip":"922908629","value":1851730,"shares":23000,"shareType":"SH","priorValue":1765710,"priorShares":5750},{"issuer":"PHILIP MORRIS INTL INC","titleOfClass":"COM","cusip":"718172109","value":1833272,"shares":10058,"shareType":"SH","priorValue":1792810,"priorShares":11362},{"issuer":"RTX CORPORATION","titleOfClass":"COM","cusip":"75513E101","value":1726994,"shares":8667,"shareType":"SH","priorValue":1716804,"priorShares":8740},{"issuer":"ISHARES TR","titleOfClass":"RUS TP200 VL ETF","cusip":"464289420","value":1692123,"shares":15748,"shareType":"SH","priorValue":1653000,"priorShares":16845},{"issuer":"VISA INC","titleOfClass":"COM CL A","cusip":"92826C839","value":1673041,"shares":4620,"shareType":"SH","priorValue":1367624,"priorShares":4314},{"issuer":"MORGAN STANLEY","titleOfClass":"COM NEW","cusip":"617446448","value":1669724,"shares":7805,"shareType":"SH","priorValue":1461844,"priorShares":7742},{"issuer":"GOLDMAN SACHS GROUP INC","titleOfClass":"COM","cusip":"38141G104","value":1657083,"shares":1623,"shareType":"SH","priorValue":1443556,"priorShares":1559},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"VALUE ETF","cusip":"922908744","value":1636805,"shares":7468,"shareType":"SH","priorValue":1500068,"priorShares":7345},{"issuer":"PENTAIR PLC","titleOfClass":"SHS","cusip":"G7S00T104","value":1616644,"shares":21072,"shareType":"SH","priorValue":2020610,"priorShares":22185},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST STR P400MID","cusip":"78464A847","value":1611173,"shares":24174,"shareType":"SH","priorValue":1586387,"priorShares":24818},{"issuer":"AIR PRODUCTS AND CHEMICALS I","titleOfClass":"COM","cusip":"009158106","value":1600798,"shares":5095,"shareType":"SH","priorValue":1528501,"priorShares":5238},{"issuer":"SPDR INDEX SHS FDS","titleOfClass":"ST PORT MARK ETF","cusip":"78463X509","value":1600798,"shares":31315,"shareType":"SH","priorValue":2205801,"priorShares":42948},{"issuer":"ISHARES TR","titleOfClass":"20 YR TR BD ETF","cusip":"464287432","value":1596130,"shares":18666,"shareType":"SH","priorValue":1618893,"priorShares":18593},{"issuer":"ABBOTT LABORATORIES","titleOfClass":"COM","cusip":"002824100","value":1593180,"shares":16700,"shareType":"SH","priorValue":1737159,"priorShares":17944},{"issuer":"META PLATFORMS INC","titleOfClass":"CL A","cusip":"30303M102","value":1580825,"shares":2712,"shareType":"SH","priorValue":2294937,"priorShares":3333},{"issuer":"ALPHABET INC","titleOfClass":"CAP STK CL C","cusip":"02079K107","value":1545465,"shares":4339,"shareType":"SH","priorValue":1429553,"priorShares":4212},{"issuer":"GILEAD SCIENCES INC","titleOfClass":"COM","cusip":"375558103","value":1530608,"shares":11660,"shareType":"SH","priorValue":1679896,"priorShares":12205},{"issuer":"GOLDMAN SACHS ETF TR","titleOfClass":"ACTIVEBETA US LG","cusip":"381430503","value":1501412,"shares":10586,"shareType":"SH","priorValue":1466940,"priorShares":10761},{"issuer":"SYSCO CORP","titleOfClass":"COM","cusip":"871829107","value":1476466,"shares":17405,"shareType":"SH","priorValue":1384377,"priorShares":18151},{"issuer":"ISHARES TR","titleOfClass":"RUS 1000 ETF","cusip":"464287622","value":1449550,"shares":3546,"shareType":"SH","priorValue":1615950,"priorShares":4155},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US CORE EQT MKT","cusip":"25434V104","value":1385756,"shares":26887,"shareType":"SH","priorValue":1321108,"priorShares":26901},{"issuer":"BONDBLOXX ETF TRUST","titleOfClass":"BLOOMBERG TEN YR","cusip":"09789C812","value":1375457,"shares":30370,"shareType":"SH","priorValue":3425512,"priorShares":74290},{"issuer":"ISHARES TR","titleOfClass":"MSCI USA MIN ETF","cusip":"46429B697","value":1369873,"shares":13994,"shareType":"SH","priorValue":1346443,"priorShares":14194},{"issuer":"DUKE ENERGY CORP NEW","titleOfClass":"COM NEW","cusip":"26441C204","value":1369224,"shares":10565,"shareType":"SH","priorValue":1351741,"priorShares":10558},{"issuer":"ARCHER DANIELS MIDLAND CO","titleOfClass":"COM","cusip":"039483102","value":1362562,"shares":17744,"shareType":"SH","priorValue":1231592,"priorShares":18371},{"issuer":"ECOLAB INC","titleOfClass":"COM","cusip":"278865100","value":1341426,"shares":4734,"shareType":"SH","priorValue":1342948,"priorShares":4887},{"issuer":"LAM RESEARCH CORP","titleOfClass":"COM NEW","cusip":"512807306","value":1313219,"shares":3737,"shareType":"SH","priorValue":997078,"priorShares":3726},{"issuer":"ANALOG DEVICES INC","titleOfClass":"COM","cusip":"032654105","value":1311008,"shares":3476,"shareType":"SH","priorValue":1289303,"priorShares":3471},{"issuer":"ORACLE CORP","titleOfClass":"COM","cusip":"68389X105","value":1301285,"shares":9277,"shareType":"SH","priorValue":1481533,"priorShares":8463},{"issuer":"NORTHERN LIGHTS FD TR","titleOfClass":"TOEWS AGLTY DNYM","cusip":"66538J738","value":1300509,"shares":59371,"shareType":"SH","priorValue":1290927,"priorShares":58227},{"issuer":"ISHARES INC","titleOfClass":"MSCI EMRG CHN","cusip":"46434G764","value":1295653,"shares":13360,"shareType":"SH","priorValue":1380136,"priorShares":15393},{"issuer":"SOUTHERN CO","titleOfClass":"COM","cusip":"842587107","value":1287261,"shares":13138,"shareType":"SH","priorValue":1233261,"priorShares":13049},{"issuer":"ISHARES TR","titleOfClass":"RUS 1000 GRW ETF","cusip":"464287614","value":1273317,"shares":10509,"shareType":"SH","priorValue":1251711,"priorShares":2627},{"issuer":"ADVISORS INNER CIRCLE FD II","titleOfClass":"3EDGE FIXED ETF","cusip":"00791R830","value":1270096,"shares":51504,"shareType":"SH","priorValue":1259909,"priorShares":50782},{"issuer":"BLACKROCK ETF TRUST","titleOfClass":"ISHA LA CORE ETF","cusip":"09290C855","value":1247350,"shares":25250,"shareType":"SH","priorValue":1472795,"priorShares":31858},{"issuer":"CHEVRON CORPORATION","titleOfClass":"COM","cusip":"166764100","value":1229576,"shares":7267,"shareType":"SH","priorValue":1275419,"priorShares":6932},{"issuer":"PROSHARES TR","titleOfClass":"S&P TECH DIVIDEN","cusip":"74347G606","value":1182589,"shares":11878,"shareType":"SH","priorValue":1117377,"priorShares":11891},{"issuer":"HOME DEPOT INC","titleOfClass":"COM","cusip":"437076102","value":1164965,"shares":3255,"shareType":"SH","priorValue":1156514,"priorShares":3310},{"issuer":"PIMCO ETF TR","titleOfClass":"INTER MUN BD ACT","cusip":"72201R866","value":1160123,"shares":22106,"shareType":"SH","priorValue":878751,"priorShares":16719},{"issuer":"NORTHERN LTS FD TR IV","titleOfClass":"MAIN BUYWRITE","cusip":"66538H179","value":1157987,"shares":79806,"shareType":"SH","priorValue":1147407,"priorShares":79515},{"issuer":"AMERICAN ELEC PWR CO INC","titleOfClass":"COM","cusip":"025537101","value":1151295,"shares":8312,"shareType":"SH","priorValue":1097081,"priorShares":8208},{"issuer":"US BANCORP","titleOfClass":"COM NEW","cusip":"902973304","value":1134783,"shares":18383,"shareType":"SH","priorValue":1043982,"priorShares":18338},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"INTL EQTY ETF","cusip":"808524805","value":1124292,"shares":40928,"shareType":"SH","priorValue":1100145,"priorShares":40928},{"issuer":"COLGATE PALMOLIVE CO","titleOfClass":"COM","cusip":"194162103","value":1121583,"shares":11790,"shareType":"SH","priorValue":1030063,"priorShares":12004},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US DIVIDEND EQ","cusip":"808524797","value":1111852,"shares":34327,"shareType":"SH","priorValue":1039057,"priorShares":33464},{"issuer":"VANGUARD BD INDEX FDS","titleOfClass":"INTERMED TERM","cusip":"921937819","value":1107394,"shares":14489,"shareType":"SH","priorValue":869835,"priorShares":11202},{"issuer":"PUBLIC SVC ENTERPRISE GROUP","titleOfClass":"COM","cusip":"744573106","value":1107052,"shares":13563,"shareType":"SH","priorValue":1077793,"priorShares":13211},{"issuer":"QUALCOMM INC","titleOfClass":"COM","cusip":"747525103","value":1033178,"shares":5862,"shareType":"SH","priorValue":798541,"priorShares":5863},{"issuer":"COSTCO WHOLESALE CORPORATION","titleOfClass":"COM","cusip":"22160K105","value":1029707,"shares":1082,"shareType":"SH","priorValue":1140874,"priorShares":1141},{"issuer":"INVESCO EXCHANGE TRADED FD T","titleOfClass":"DIVID ACHIEVEV","cusip":"46137V506","value":1026272,"shares":18349,"shareType":"SH","priorValue":1000573,"priorShares":18594},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"WORLD EX US CORE","cusip":"25434V880","value":1014992,"shares":27664,"shareType":"SH","priorValue":1031697,"priorShares":27929},{"issuer":"PNC FINL SVCS GROUP INC","titleOfClass":"COM","cusip":"693475105","value":1011432,"shares":4054,"shareType":"SH","priorValue":916775,"priorShares":4078},{"issuer":"INNOVATOR ETFS TRUST","titleOfClass":"QUITY MANAGD FLR","cusip":"45783Y673","value":996413,"shares":25814,"shareType":"SH","priorValue":892487,"priorShares":24445},{"issuer":"GENUINE PARTS CO","titleOfClass":"COM","cusip":"372460105","value":971606,"shares":7329,"shareType":"SH","priorValue":1015462,"priorShares":8924},{"issuer":"CAMBRIA ETF TR","titleOfClass":"SHSHLD YIELD ETF","cusip":"132061201","value":963168,"shares":12004,"shareType":"SH","priorValue":749054,"priorShares":9603},{"issuer":"MICRON TECHNOLOGY INC","titleOfClass":"COM","cusip":"595112103","value":947269,"shares":971,"shareType":"SH","priorValue":442783,"priorShares":973},{"issuer":"ISHARES TR","titleOfClass":"MSCI EAFE MIN VL","cusip":"46429B689","value":944235,"shares":10607,"shareType":"SH","priorValue":989845,"priorShares":10607},{"issuer":"ISHARES TR","titleOfClass":"CORE HIGH DV ETF","cusip":"46429B663","value":940742,"shares":33550,"shareType":"SH","priorValue":928606,"priorShares":6933},{"issuer":"ISHARES TR","titleOfClass":"LONG TERM MUNI","cusip":"46438G448","value":930913,"shares":18189,"shareType":"SH","priorValue":866402,"priorShares":17025}]},"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}