Transform Wealth, LLC Form 13F-HR Filed 2023-01-13

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

OMB APPROVAL

OMB Number:		3235-0006
Expires:	July 31, 2015
Estimated average burden
hours per response:		23.8

COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
3M CO	COM	88579Y101	131,122	1,093	SH		SOLE	CARNICK & KUBIK	0	0	1,093
3M CO	COM	88579Y101	385,183	3,212	SH		SOLE		0	0	3,212
ABBOTT LABS	COM	002824100	668,196	6,086	SH		SOLE	CARNICK & KUBIK	0	0	6,086
ABBOTT LABS	COM	002824100	215,607	1,964	SH		SOLE		0	0	1,964
ABBVIE INC	COM	00287Y109	300,325	1,858	SH		SOLE		0	0	1,858
ABBVIE INC	COM	00287Y109	19,077,478	118,046	SH		SOLE	CARNICK & KUBIK	0	0	118,046
ABRDN GOLD ETF TRUST	PHYSCL GOLD SHS	00326A104	329,135	18,840	SH		SOLE		0	0	18,840
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	12,330,708	46,210	SH		SOLE	CARNICK & KUBIK	0	0	46,210
ADOBE SYSTEMS INCORPORATED	COM	00724F101	15,144	45	SH		SOLE		0	0	45
ADOBE SYSTEMS INCORPORATED	COM	00724F101	7,132,753	21,195	SH		SOLE	CARNICK & KUBIK	0	0	21,195
ADVANCE AUTO PARTS INC	COM	00751Y106	397,419	2,622	SH		SOLE	CARNICK & KUBIK	0	0	2,622
ALLIANT ENERGY CORP	COM	018802108	287,092	5,200	SH		SOLE		0	0	5,200
ALLSTATE CORP	COM	020002101	4,053,027	29,707	SH		SOLE	CARNICK & KUBIK	0	0	29,707
ALLSTATE CORP	COM	020002101	133,082	981	SH		SOLE		0	0	981
ALPHABET INC	CAP STK CL A	02079K305	11,815,544	133,918	SH		SOLE	CARNICK & KUBIK	0	0	133,918
ALPHABET INC	CAP STK CL A	02079K305	878,771	9,960	SH		SOLE		0	0	9,960
ALPHABET INC	CAP STK CL C	02079K107	1,962,175	22,114	SH		SOLE	CARNICK & KUBIK	0	0	22,114
ALPHABET INC	CAP STK CL C	02079K107	1,598,915	18,020	SH		SOLE		0	0	18,020
AMAZON COM INC	COM	023135106	1,615,068	19,227	SH		SOLE		0	0	19,227
AMAZON COM INC	COM	023135106	8,621,066	102,632	SH		SOLE	CARNICK & KUBIK	0	0	102,632
AMEREN CORP	COM	023608102	262,314	2,950	SH		SOLE		0	0	2,950
AMERICAN EXPRESS CO	COM	025816109	496,749	3,362	SH		SOLE	CARNICK & KUBIK	0	0	3,362
AMERICAN EXPRESS CO	COM	025816109	44,325	300	SH		SOLE		0	0	300
AMERICAN TOWER CORP NEW	COM	03027X100	167,748	786	SH		SOLE	CARNICK & KUBIK	0	0	786
AMERICAN TOWER CORP NEW	COM	03027X100	2,548,056	12,027	SH		SOLE		0	0	12,027
AMERIPRISE FINL INC	COM	03076C106	348,533	1,119	SH		SOLE	CARNICK & KUBIK	0	0	1,119
AMGEN INC	COM	031162100	343,574	1,308	SH		SOLE	CARNICK & KUBIK	0	0	1,308
AMPHENOL CORP NEW	CL A	032095101	300,208	3,932	SH		SOLE	CARNICK & KUBIK	0	0	3,932
ANTERO MIDSTREAM CORP	COM	03676B102	979,980	90,823	SH		SOLE	CARNICK & KUBIK	0	0	90,823
APPLE INC	COM	037833100	29,750,001	228,969	SH		SOLE	CARNICK & KUBIK	0	0	228,969
APPLE INC	COM	037833100	3,200,408	24,632	SH		SOLE		0	0	24,632
ARCHER DANIELS MIDLAND CO	COM	039483102	3,466,511	37,335	SH		SOLE		0	0	37,335
ARCHER DANIELS MIDLAND CO	COM	039483102	12,179,770	131,177	SH		SOLE	CARNICK & KUBIK	0	0	131,177
BEST BUY INC	COM	086516101	407,758	5,022	SH		SOLE	CARNICK & KUBIK	0	0	5,022
BLACKROCK CR ALLOCATION INCO	COM	092508100	295,930	29,300	SH		SOLE		0	0	29,300
BLACKSTONE INC	COM	09260D107	51,933	700	SH		SOLE	CARNICK & KUBIK	0	0	700
BLACKSTONE INC	COM	09260D107	2,611,605	35,202	SH		SOLE		0	0	35,202
BOEING CO	COM	097023105	31,548	166	SH		SOLE		0	0	166
BOEING CO	COM	097023105	390,695	2,051	SH		SOLE	CARNICK & KUBIK	0	0	2,051
BOK FINL CORP	COM NEW	05561Q201	294,971	2,842	SH		SOLE	CARNICK & KUBIK	0	0	2,842
BOOKING HOLDINGS INC	COM	09857L108	358,569	178	SH		SOLE	CARNICK & KUBIK	0	0	178
BRISTOL-MYERS SQUIBB CO	COM	110122108	9,392,756	130,546	SH		SOLE	CARNICK & KUBIK	0	0	130,546
BRISTOL-MYERS SQUIBB CO	COM	110122108	79,145	1,100	SH		SOLE		0	0	1,100
BROADCOM INC	COM	11135F101	10,998,370	19,671	SH		SOLE	CARNICK & KUBIK	0	0	19,671
CANADIAN NATL RY CO	COM	136375102	2,410,411	20,276	SH		SOLE		0	0	20,276
CAPITAL ONE FINL CORP	COM	14040H105	5,324,098	57,273	SH		SOLE	CARNICK & KUBIK	0	0	57,273
CARRIER GLOBAL CORPORATION	COM	14448C104	1,812,428	43,938	SH		SOLE		0	0	43,938
CARRIER GLOBAL CORPORATION	COM	14448C104	490,889	11,846	SH		SOLE	CARNICK & KUBIK	0	0	11,846
CATERPILLAR INC	COM	149123101	3,171,577	13,239	SH		SOLE		0	0	13,239
CATERPILLAR INC	COM	149123101	771,245	3,219	SH		SOLE	CARNICK & KUBIK	0	0	3,219
CF INDS HLDGS INC	COM	125269100	3,315,643	38,916	SH		SOLE	CARNICK & KUBIK	0	0	38,916
CF INDS HLDGS INC	COM	125269100	45,282	531	SH		SOLE		0	0	531
CHENIERE ENERGY INC	COM NEW	16411R208	2,337,726	15,589	SH		SOLE	CARNICK & KUBIK	0	0	15,589
CHEVRON CORP NEW	COM	166764100	3,763,448	20,967	SH		SOLE		0	0	20,967
CHEVRON CORP NEW	COM	166764100	10,802,824	60,186	SH		SOLE	CARNICK & KUBIK	0	0	60,186
CHIPOTLE MEXICAN GRILL INC	COM	169656105	251,136	181	SH		SOLE	CARNICK & KUBIK	0	0	181
CHUBB LIMITED	COM	H1467J104	33,752	153	SH		SOLE		0	0	153
CHUBB LIMITED	COM	H1467J104	7,838,716	35,402	SH		SOLE	CARNICK & KUBIK	0	0	35,402
CIGNA CORP NEW	COM	125523100	207,088	625	SH		SOLE	CARNICK & KUBIK	0	0	625
CIGNA CORP NEW	COM	125523100	44,731	135	SH		SOLE		0	0	135
CISCO SYS INC	COM	17275R102	47,640	1,000	SH		SOLE		0	0	1,000
CISCO SYS INC	COM	17275R102	8,418,616	176,713	SH		SOLE	CARNICK & KUBIK	0	0	176,713
CITIZENS FINL GROUP INC	COM	174610105	1,039,132	26,394	SH		SOLE	CARNICK & KUBIK	0	0	26,394
CONSTELLATION ENERGY CORP	COM	21037T109	1,420,317	16,475	SH		SOLE	CARNICK & KUBIK	0	0	16,475
CONSTELLATION ENERGY CORP	COM	21037T109	103,452	1,200	SH		SOLE		0	0	1,200
COSTCO WHSL CORP NEW	COM	22160K105	7,061,802	15,469	SH		SOLE	CARNICK & KUBIK	0	0	15,469
COSTCO WHSL CORP NEW	COM	22160K105	2,948,329	6,459	SH		SOLE		0	0	6,459
CUMMINS INC	COM	231021106	7,471,169	30,836	SH		SOLE	CARNICK & KUBIK	0	0	30,836
CVS HEALTH CORP	COM	126650100	10,088,925	108,262	SH		SOLE	CARNICK & KUBIK	0	0	108,262
CVS HEALTH CORP	COM	126650100	41,097	441	SH		SOLE		0	0	441
DEERE & CO	COM	244199105	9,439,648	21,955	SH		SOLE	CARNICK & KUBIK	0	0	21,955
DEERE & CO	COM	244199105	87,896	205	SH		SOLE		0	0	205
DELL TECHNOLOGIES INC	CL C	24703L202	4,726,626	117,519	SH		SOLE	CARNICK & KUBIK	0	0	117,519
DIAMONDBACK ENERGY INC	COM	25278X109	10,422	76	SH		SOLE		0	0	76
DIAMONDBACK ENERGY INC	COM	25278X109	1,567,409	11,459	SH		SOLE	CARNICK & KUBIK	0	0	11,459
DIMENSIONAL ETF TRUST	US CORE EQUITY 2	25434V708	208,662	8,594	SH		SOLE		0	0	8,594
DISCOVER FINL SVCS	COM	254709108	283,912	2,902	SH		SOLE	CARNICK & KUBIK	0	0	2,902
DOLLAR GEN CORP NEW	COM	256677105	5,731,646	23,224	SH		SOLE	CARNICK & KUBIK	0	0	23,224
DOUBLELINE ETF TRUST	SHILLER CAPE U S	25861R204	5,453,107	259,548	SH		SOLE	CARNICK & KUBIK	0	0	259,548
DOW INC	COM	260557103	287,944	5,714	SH		SOLE	CARNICK & KUBIK	0	0	5,714
DOW INC	COM	260557103	90,702	1,800	SH		SOLE		0	0	1,800
DUKE ENERGY CORP NEW	COM NEW	26441C204	120,389	1,169	SH		SOLE		0	0	1,169
DUKE ENERGY CORP NEW	COM NEW	26441C204	503,125	4,885	SH		SOLE	CARNICK & KUBIK	0	0	4,885
EATON CORP PLC	SHS	G29183103	499,415	3,182	SH		SOLE	CARNICK & KUBIK	0	0	3,182
ECOLAB INC	COM	278865100	226,200	1,548	SH		SOLE	CARNICK & KUBIK	0	0	1,548
EDWARDS LIFESCIENCES CORP	COM	28176E108	384,465	5,153	SH		SOLE	CARNICK & KUBIK	0	0	5,153
ELEVANCE HEALTH INC	COM	036752103	3,555,137	6,930	SH		SOLE	CARNICK & KUBIK	0	0	6,930
EMERSON ELEC CO	COM	291011104	9,308,343	96,901	SH		SOLE	CARNICK & KUBIK	0	0	96,901
EMPIRE ST RLTY OP L P	UNIT LTD PRT 250	292102308	81,390	13,565	SH		SOLE	CARNICK & KUBIK	0	0	13,565
EMPIRE ST RLTY OP L P	UNIT LTD PRT 60	292102209	208,204	31,546	SH		SOLE	CARNICK & KUBIK	0	0	31,546
ENTERPRISE PRODS PARTNERS L	COM	293792107	1,302,287	53,992	SH		SOLE	CARNICK & KUBIK	0	0	53,992
EXELON CORP	COM	30161N101	2,131,567	49,308	SH		SOLE	CARNICK & KUBIK	0	0	49,308
EXELON CORP	COM	30161N101	155,628	3,600	SH		SOLE		0	0	3,600
EXXON MOBIL CORP	COM	30231G102	507,159	4,598	SH		SOLE		0	0	4,598
EXXON MOBIL CORP	COM	30231G102	12,528,073	113,582	SH		SOLE	CARNICK & KUBIK	0	0	113,582
FIDELITY COVINGTON TRUST	MSCI ENERGY IDX	316092402	2,259,303	94,769	SH		SOLE	CARNICK & KUBIK	0	0	94,769
FIDELITY NATL INFORMATION SV	COM	31620M106	410,798	6,055	SH		SOLE	CARNICK & KUBIK	0	0	6,055
FIRST TR EXCH TRADED FD III	PFD SECS INC ETF	33739E108	10,476,520	623,602	SH		SOLE	CARNICK & KUBIK	0	0	623,602
FLEXSHARES TR	QUALT DIVD IDX	33939L860	4,982,693	94,728	SH		SOLE	CARNICK & KUBIK	0	0	94,728
FMC CORP	COM NEW	302491303	421,473	3,361	SH		SOLE	CARNICK & KUBIK	0	0	3,361
FORD MTR CO DEL	COM	345370860	4,132,882	355,364	SH		SOLE	CARNICK & KUBIK	0	0	355,364
FORD MTR CO DEL	COM	345370860	3,261	280	SH		SOLE		0	0	280
FORTINET INC	COM	34959E109	5,583,727	114,210	SH		SOLE	CARNICK & KUBIK	0	0	114,210
GALLAGHER ARTHUR J & CO	COM	363576109	218,720	1,160	SH		SOLE	CARNICK & KUBIK	0	0	1,160
GENERAL DYNAMICS CORP	COM	369550108	9,183,380	37,013	SH		SOLE	CARNICK & KUBIK	0	0	37,013
GLOBAL X FDS	GLB X MLP ENRG I	37954Y293	932,102	22,868	SH		SOLE	CARNICK & KUBIK	0	0	22,868
GOLDMAN SACHS GROUP INC	COM	38141G104	36,865	107	SH		SOLE		0	0	107
GOLDMAN SACHS GROUP INC	COM	38141G104	10,033,498	29,220	SH		SOLE	CARNICK & KUBIK	0	0	29,220
HCA HEALTHCARE INC	COM	40412C101	4,418,623	18,414	SH		SOLE	CARNICK & KUBIK	0	0	18,414
HOME DEPOT INC	COM	437076102	7,710,892	24,412	SH		SOLE	CARNICK & KUBIK	0	0	24,412
HOME DEPOT INC	COM	437076102	3,263,268	10,331	SH		SOLE		0	0	10,331
HONEYWELL INTL INC	COM	438516106	716,870	3,345	SH		SOLE	CARNICK & KUBIK	0	0	3,345
HONEYWELL INTL INC	COM	438516106	145,724	680	SH		SOLE		0	0	680
HP INC	COM	40434L105	28,135	1,047	SH		SOLE		0	0	1,047
HP INC	COM	40434L105	1,884,151	69,395	SH		SOLE	CARNICK & KUBIK	0	0	69,395
INNOVATOR ETFS TR	US EQT PWR BUF	45782C870	1,712,570	61,009	SH		SOLE	CARNICK & KUBIK	0	0	61,009
INNOVATOR ETFS TR	US EQTY BUF SEP	45782C664	264,660	8,726	SH		SOLE	CARNICK & KUBIK	0	0	8,726
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C318	12,559,657	447,122	SH		SOLE	CARNICK & KUBIK	0	0	447,122
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C656	553,050	18,906	SH		SOLE	CARNICK & KUBIK	0	0	18,906
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C383	17,073,888	555,787	SH		SOLE	CARNICK & KUBIK	0	0	555,787
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C797	457,124	15,202	SH		SOLE	CARNICK & KUBIK	0	0	15,202
INTERPUBLIC GROUP COS INC	COM	460690100	3,006,289	90,252	SH		SOLE	CARNICK & KUBIK	0	0	90,252
INTUIT	COM	461202103	405,956	1,043	SH		SOLE	CARNICK & KUBIK	0	0	1,043
INTUITIVE SURGICAL INC	COM NEW	46120E602	55,724	210	SH		SOLE	CARNICK & KUBIK	0	0	210
INTUITIVE SURGICAL INC	COM NEW	46120E602	3,151,562	11,877	SH		SOLE		0	0	11,877
INVESCO EXCH TRADED FD TR II	SR LN ETF	46138G508	8,340,935	406,280	SH		SOLE	CARNICK & KUBIK	0	0	406,280
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	613,590	4,344	SH		SOLE	CARNICK & KUBIK	0	0	4,344
ISHARES GOLD TR	ISHARES NEW	464285204	5,853,043	169,212	SH		SOLE		0	0	169,212
ISHARES TR	0-5YR HI YL CP	46434V407	7,153,891	174,955	SH		SOLE	CARNICK & KUBIK	0	0	174,955
ISHARES TR	CORE DIV GRWTH	46434V621	243,762	4,875	SH		SOLE		0	0	4,875
ISHARES TR	CORE S&P MCP ETF	464287507	81,762	338	SH		SOLE		0	0	338
ISHARES TR	CORE S&P MCP ETF	464287507	172,056	711	SH		SOLE	CARNICK & KUBIK	0	0	711
ISHARES TR	CORE S&P SCP ETF	464287804	76,521	809	SH		SOLE		0	0	809
ISHARES TR	CORE S&P SCP ETF	464287804	592,600	6,262	SH		SOLE	CARNICK & KUBIK	0	0	6,262
ISHARES TR	CORE S&P TTL STK	464287150	768,797	9,066	SH		SOLE	CARNICK & KUBIK	0	0	9,066
ISHARES TR	CORE S&P500 ETF	464287200	3,507,861	9,130	SH		SOLE	CARNICK & KUBIK	0	0	9,130
ISHARES TR	CORE US AGGBD ET	464287226	15,604,632	160,889	SH		SOLE	CARNICK & KUBIK	0	0	160,889
ISHARES TR	EXPND TEC SC ETF	464287549	2,181,957	7,793	SH		SOLE	CARNICK & KUBIK	0	0	7,793
ISHARES TR	MSCI EAFE ETF	464287465	577,269	8,794	SH		SOLE	CARNICK & KUBIK	0	0	8,794
ISHARES TR	RUS 1000 VAL ETF	464287598	84,014	554	SH		SOLE		0	0	554
ISHARES TR	RUS 1000 VAL ETF	464287598	312,551	2,061	SH		SOLE	CARNICK & KUBIK	0	0	2,061
ISHARES TR	RUS 2000 GRW ETF	464287648	507,672	2,367	SH		SOLE	CARNICK & KUBIK	0	0	2,367
ISHARES TR	RUS 2000 GRW ETF	464287648	21,237	99	SH		SOLE		0	0	99
ISHARES TR	RUS 2000 VAL ETF	464287630	598,102	4,313	SH		SOLE	CARNICK & KUBIK	0	0	4,313
ISHARES TR	RUSSELL 2000 ETF	464287655	1,040,447	5,967	SH		SOLE	CARNICK & KUBIK	0	0	5,967
ISHARES TR	S&P 500 GRWT ETF	464287309	12,269,459	209,734	SH		SOLE	CARNICK & KUBIK	0	0	209,734
ISHARES TR	S&P 500 VAL ETF	464287408	22,828,602	157,363	SH		SOLE	CARNICK & KUBIK	0	0	157,363
ISHARES TR	S&P MC 400GR ETF	464287606	282,625	4,138	SH		SOLE	CARNICK & KUBIK	0	0	4,138
ISHARES TR	S&P MC 400VL ETF	464287705	310,061	3,076	SH		SOLE	CARNICK & KUBIK	0	0	3,076
ISHARES TR	SELECT DIVID ETF	464287168	1,166,081	9,669	SH		SOLE	CARNICK & KUBIK	0	0	9,669
ISHARES TR	U.S. TECH ETF	464287721	558,629	7,499	SH		SOLE	CARNICK & KUBIK	0	0	7,499
ISHARES TR	US HLTHCARE ETF	464287762	1,294,052	4,561	SH		SOLE	CARNICK & KUBIK	0	0	4,561
J P MORGAN EXCHANGE TRADED F	EQUITY PREMIUM	46641Q332	354,112	6,431	SH		SOLE	CARNICK & KUBIK	0	0	6,431
J P MORGAN EXCHANGE TRADED F	MUNICIPAL ETF	46641Q647	379,632	7,640	SH		SOLE	CARNICK & KUBIK	0	0	7,640
J P MORGAN EXCHANGE TRADED F	SHORT DURA CORE	46641Q274	5,944,053	129,838	SH		SOLE	CARNICK & KUBIK	0	0	129,838
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT INC	46641Q837	16,225,278	323,013	SH		SOLE	CARNICK & KUBIK	0	0	323,013
J P MORGAN EXCHANGE TRADED F	ULTRA SHT MUNCPL	46641Q654	1,609,286	31,808	SH		SOLE	CARNICK & KUBIK	0	0	31,808
JOHNSON & JOHNSON	COM	478160104	10,651,323	60,296	SH		SOLE	CARNICK & KUBIK	0	0	60,296
JOHNSON & JOHNSON	COM	478160104	2,867,276	16,231	SH		SOLE		0	0	16,231
JPMORGAN CHASE & CO	COM	46625H100	2,945,451	21,965	SH		SOLE		0	0	21,965
JPMORGAN CHASE & CO	COM	46625H100	10,790,555	80,466	SH		SOLE	CARNICK & KUBIK	0	0	80,466
KEURIG DR PEPPER INC	COM	49271V100	5,874,593	164,739	SH		SOLE	CARNICK & KUBIK	0	0	164,739
KROGER CO	COM	501044101	7,639,851	171,374	SH		SOLE	CARNICK & KUBIK	0	0	171,374
L3HARRIS TECHNOLOGIES INC	COM	502431109	418,303	2,009	SH		SOLE	CARNICK & KUBIK	0	0	2,009
LAM RESEARCH CORP	COM	512807108	9,666,702	22,908	SH		SOLE	CARNICK & KUBIK	0	0	22,908
LILLY ELI & CO	COM	532457108	12,804	35	SH		SOLE	CARNICK & KUBIK	0	0	35
LILLY ELI & CO	COM	532457108	5,153,668	14,087	SH		SOLE		0	0	14,087
LISTED FD TR	CORE ALT FD	53656F847	564,741	17,883	SH		SOLE		0	0	17,883
LISTED FD TR	CORE ALT FD	53656F847	24,483,634	775,289	SH		SOLE	CARNICK & KUBIK	0	0	775,289
LOCKHEED MARTIN CORP	COM	539830109	491,247	1,010	SH		SOLE	CARNICK & KUBIK	0	0	1,010
LOWES COS INC	COM	548661107	3,363,370	16,881	SH		SOLE	CARNICK & KUBIK	0	0	16,881
MARATHON OIL CORP	COM	565849106	343,423	12,686	SH		SOLE	CARNICK & KUBIK	0	0	12,686
MARATHON PETE CORP	COM	56585A102	233,671	2,008	SH		SOLE	CARNICK & KUBIK	0	0	2,008
MASTERCARD INCORPORATED	CL A	57636Q104	92,439	266	SH		SOLE		0	0	266
MASTERCARD INCORPORATED	CL A	57636Q104	1,677,583	4,824	SH		SOLE	CARNICK & KUBIK	0	0	4,824
MCDONALDS CORP	COM	580135101	13,804	52	SH		SOLE		0	0	52
MCDONALDS CORP	COM	580135101	242,448	920	SH		SOLE	CARNICK & KUBIK	0	0	920
MCKESSON CORP	COM	58155Q103	5,149,584	13,708	SH		SOLE	CARNICK & KUBIK	0	0	13,708
MERCK & CO INC	COM	58933Y105	3,585,928	32,320	SH		SOLE		0	0	32,320
MERCK & CO INC	COM	58933Y105	298,082	2,669	SH		SOLE	CARNICK & KUBIK	0	0	2,669
METLIFE INC	COM	59156R108	10,613,906	146,662	SH		SOLE	CARNICK & KUBIK	0	0	146,662
METLIFE INC	COM	59156R108	2,514,184	34,741	SH		SOLE		0	0	34,741
MICROSOFT CORP	COM	594918104	2,896,122	12,076	SH		SOLE		0	0	12,076
MICROSOFT CORP	COM	594918104	28,467,629	118,704	SH		SOLE	CARNICK & KUBIK	0	0	118,704
MSCI INC	COM	55354G100	382,699	823	SH		SOLE	CARNICK & KUBIK	0	0	823
NIKE INC	CL B	654106103	2,661,803	22,749	SH		SOLE		0	0	22,749
NIKE INC	CL B	654106103	251,553	2,150	SH		SOLE	CARNICK & KUBIK	0	0	2,150
NORFOLK SOUTHN CORP	COM	655844108	233,113	946	SH		SOLE	CARNICK & KUBIK	0	0	946
NRG ENERGY INC	COM NEW	629377508	2,912,930	91,544	SH		SOLE	CARNICK & KUBIK	0	0	91,544
NUCOR CORP	COM	670346105	6,977,579	52,733	SH		SOLE	CARNICK & KUBIK	0	0	52,733
NUCOR CORP	COM	670346105	26,362	200	SH		SOLE		0	0	200
NUVEEN AMT FREE QLTY MUN INC	COM	670657105	650,609	57,222	SH		SOLE	CARNICK & KUBIK	0	0	57,222
NUVEEN FLOATING RATE INCOME	COM SHS	6706EN100	121,206	15,519	SH		SOLE		0	0	15,519
NUVEEN MULTI-MKT INCOME FD	COM	67075J107	152,102	25,912	SH		SOLE		0	0	25,912
NVIDIA CORPORATION	COM	67066G104	70,297	481	SH		SOLE	CARNICK & KUBIK	0	0	481
NVIDIA CORPORATION	COM	67066G104	895,101	6,125	SH		SOLE		0	0	6,125
NXP SEMICONDUCTORS N V	COM	N6596X109	4,933,759	31,057	SH		SOLE	CARNICK & KUBIK	0	0	31,057
OLD DOMINION FREIGHT LINE IN	COM	679580100	494,744	1,743	SH		SOLE		0	0	1,743
OREILLY AUTOMOTIVE INC	COM	67103H107	7,179,319	8,506	SH		SOLE	CARNICK & KUBIK	0	0	8,506
OWL ROCK CAPITAL CORPORATION	COM	69121K104	132,537	11,156	SH		SOLE		0	0	11,156
PAYCHEX INC	COM	704326107	296,494	2,566	SH		SOLE	CARNICK & KUBIK	0	0	2,566
PEPSICO INC	COM	713448108	238,162	1,316	SH		SOLE	CARNICK & KUBIK	0	0	1,316
PEPSICO INC	COM	713448108	97,340	539	SH		SOLE		0	0	539
PFIZER INC	COM	717081103	156,408	3,052	SH		SOLE		0	0	3,052
PFIZER INC	COM	717081103	123,130	2,403	SH		SOLE	CARNICK & KUBIK	0	0	2,403
PGIM ETF TR	PGIM ULTRA SH BD	69344A107	51,683,112	1,050,507	SH		SOLE	CARNICK & KUBIK	0	0	1,050,507
PHILLIPS 66	COM	718546104	290,576	2,792	SH		SOLE	CARNICK & KUBIK	0	0	2,792
PHILLIPS 66	COM	718546104	31,224	300	SH		SOLE		0	0	300
PIONEER NAT RES CO	COM	723787107	333,239	1,459	SH		SOLE	CARNICK & KUBIK	0	0	1,459
POWELL INDS INC	COM	739128106	319,575	9,084	SH		SOLE	CARNICK & KUBIK	0	0	9,084
PROCTER AND GAMBLE CO	COM	742718109	1,086,197	7,167	SH		SOLE	CARNICK & KUBIK	0	0	7,167
PROCTER AND GAMBLE CO	COM	742718109	901,630	5,949	SH		SOLE		0	0	5,949
PROLOGIS INC.	COM	74340W103	518,290	4,598	SH		SOLE	CARNICK & KUBIK	0	0	4,598
PROSHARES TR	SHORT S&P 500 NE	74347B425	328,035	20,464	SH		SOLE	CARNICK & KUBIK	0	0	20,464
QUALCOMM INC	COM	747525103	54,970	500	SH		SOLE		0	0	500
QUALCOMM INC	COM	747525103	246,815	2,245	SH		SOLE	CARNICK & KUBIK	0	0	2,245
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	838,072	8,304	SH		SOLE	CARNICK & KUBIK	0	0	8,304
S&P GLOBAL INC	COM	78409V104	400,043	1,194	SH		SOLE	CARNICK & KUBIK	0	0	1,194
S&P GLOBAL INC	COM	78409V104	1,607,712	4,800	SH		SOLE		0	0	4,800
SCHWAB CHARLES CORP	COM	808513105	8,326	100	SH		SOLE		0	0	100
SCHWAB CHARLES CORP	COM	808513105	7,781,236	93,457	SH		SOLE	CARNICK & KUBIK	0	0	93,457
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	1,006,184	31,238	SH		SOLE		0	0	31,238
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	1,437,954	31,500	SH		SOLE		0	0	31,500
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	277,553	6,194	SH		SOLE	CARNICK & KUBIK	0	0	6,194
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	5,672,875	126,598	SH		SOLE		0	0	126,598
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	596,804	7,900	SH		SOLE		0	0	7,900
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	993,955	13,158	SH		SOLE	CARNICK & KUBIK	0	0	13,158
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	287,028	5,166	SH		SOLE		0	0	5,166
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	356,008	7,885	SH		SOLE	CARNICK & KUBIK	0	0	7,885
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	1,881,055	28,670	SH		SOLE		0	0	28,670
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	63,314	965	SH		SOLE	CARNICK & KUBIK	0	0	965
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	2,395,305	59,129	SH		SOLE		0	0	59,129
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	88,098	2,175	SH		SOLE	CARNICK & KUBIK	0	0	2,175
SELECT SECTOR SPDR TR	ENERGY	81369Y506	329,235	3,764	SH		SOLE	CARNICK & KUBIK	0	0	3,764
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	693,815	20,287	SH		SOLE	CARNICK & KUBIK	0	0	20,287
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	41,040	1,200	SH		SOLE		0	0	1,200
SELECT SECTOR SPDR TR	SBI CONS DISCR	81369Y407	348,215	2,696	SH		SOLE	CARNICK & KUBIK	0	0	2,696
SELECT SECTOR SPDR TR	SBI CONS DISCR	81369Y407	25,832	200	SH		SOLE		0	0	200
SELECT SECTOR SPDR TR	SBI CONS STPLS	81369Y308	1,893,655	25,401	SH		SOLE	CARNICK & KUBIK	0	0	25,401
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	2,347,896	17,283	SH		SOLE	CARNICK & KUBIK	0	0	17,283
SELECT SECTOR SPDR TR	SBI INT-INDS	81369Y704	326,941	3,329	SH		SOLE	CARNICK & KUBIK	0	0	3,329
SELECT SECTOR SPDR TR	SBI INT-UTILS	81369Y886	2,993,453	42,460	SH		SOLE		0	0	42,460
SELECT SECTOR SPDR TR	SBI INT-UTILS	81369Y886	65,212	925	SH		SOLE	CARNICK & KUBIK	0	0	925
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	778,248	6,254	SH		SOLE	CARNICK & KUBIK	0	0	6,254
SHELL PLC	SPON ADS	780259305	413,564	7,262	SH		SOLE	CARNICK & KUBIK	0	0	7,262
SOUTHERN CO	COM	842587107	235,653	3,300	SH		SOLE		0	0	3,300
SPDR GOLD TR	GOLD SHS	78463V107	3,906,979	23,031	SH		SOLE		0	0	23,031
SPDR INDEX SHS FDS	GLB NAT RESRCE	78463X541	293,741	5,152	SH		SOLE		0	0	5,152
SPDR S&P 500 ETF TR	TR UNIT	78462F103	23,858	62	SH		SOLE		0	0	62
SPDR S&P 500 ETF TR	TR UNIT	78462F103	3,593,875	9,353	SH		SOLE	CARNICK & KUBIK	0	0	9,353
SPDR SER TR	BLOOMBERG 1-3 MO	78468R663	7,586,835	82,943	SH		SOLE	CARNICK & KUBIK	0	0	82,943
SPDR SER TR	PRTFLO S&P500 GW	78464A409	4,548,725	89,772	SH		SOLE	CARNICK & KUBIK	0	0	89,772
SPDR SER TR	PRTFLO S&P500 VL	78464A508	3,004,998	77,269	SH		SOLE	CARNICK & KUBIK	0	0	77,269
SPDR SER TR	S&P DIVID ETF	78464A763	1,826,731	14,601	SH		SOLE	CARNICK & KUBIK	0	0	14,601
SPDR SER TR	S&P INS ETF	78464A789	1,615,159	39,442	SH		SOLE	CARNICK & KUBIK	0	0	39,442
STARBUCKS CORP	COM	855244109	5,847,862	58,950	SH		SOLE	CARNICK & KUBIK	0	0	58,950
STARBUCKS CORP	COM	855244109	10,508	106	SH		SOLE		0	0	106
STRYKER CORPORATION	COM	863667101	97,796	400	SH		SOLE		0	0	400
STRYKER CORPORATION	COM	863667101	468,015	1,908	SH		SOLE	CARNICK & KUBIK	0	0	1,908
TARGET CORP	COM	87612E106	7,173,406	48,131	SH		SOLE	CARNICK & KUBIK	0	0	48,131
TESLA INC	COM	88160R101	28,824	234	SH		SOLE		0	0	234
TESLA INC	COM	88160R101	341,948	2,776	SH		SOLE	CARNICK & KUBIK	0	0	2,776
TEXAS INSTRS INC	COM	882508104	1,921,178	11,628	SH		SOLE	CARNICK & KUBIK	0	0	11,628
THERMO FISHER SCIENTIFIC INC	COM	883556102	7,787,486	14,134	SH		SOLE	CARNICK & KUBIK	0	0	14,134
THERMO FISHER SCIENTIFIC INC	COM	883556102	128,254	233	SH		SOLE		0	0	233
TJX COS INC NEW	COM	872540109	1,668,395	20,960	SH		SOLE	CARNICK & KUBIK	0	0	20,960
TRI CONTL CORP	COM	895436103	583,682	22,773	SH		SOLE		0	0	22,773
TRUIST FINL CORP	COM	89832Q109	391,057	9,088	SH		SOLE	CARNICK & KUBIK	0	0	9,088
ULTA BEAUTY INC	COM	90384S303	6,420,630	13,688	SH		SOLE	CARNICK & KUBIK	0	0	13,688
UNION PAC CORP	COM	907818108	592,764	2,863	SH		SOLE	CARNICK & KUBIK	0	0	2,863
UNITEDHEALTH GROUP INC	COM	91324P102	14,726,355	27,776	SH		SOLE	CARNICK & KUBIK	0	0	27,776
UNITEDHEALTH GROUP INC	COM	91324P102	3,968,896	7,486	SH		SOLE		0	0	7,486
US BANCORP DEL	COM NEW	902973304	2,204,130	50,542	SH		SOLE		0	0	50,542
US BANCORP DEL	COM NEW	902973304	2	0	SH		SOLE	CARNICK & KUBIK	0	0	0
VANECK ETF TRUST	AGRIBUSINESS ETF	92189F700	6,501,399	75,739	SH		SOLE		0	0	75,739
VANECK ETF TRUST	HIGH YLD MUNIETF	92189H409	2,628,216	51,992	SH		SOLE	CARNICK & KUBIK	0	0	51,992
VANGUARD INDEX FDS	MID CAP ETF	922908629	227,528	1,116	SH		SOLE		0	0	1,116
VANGUARD INDEX FDS	MID CAP ETF	922908629	197,900	971	SH		SOLE	CARNICK & KUBIK	0	0	971
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	526,039	1,497	SH		SOLE	CARNICK & KUBIK	0	0	1,497
VANGUARD INDEX FDS	SMALL CP ETF	922908751	206,234	1,124	SH		SOLE		0	0	1,124
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	3,708,356	19,396	SH		SOLE		0	0	19,396
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	801,208	4,191	SH		SOLE	CARNICK & KUBIK	0	0	4,191
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	363,788	2,396	SH		SOLE	CARNICK & KUBIK	0	0	2,396
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	906,800	8,380	SH		SOLE	CARNICK & KUBIK	0	0	8,380
VERISIGN INC	COM	92343E102	420,391	2,046	SH		SOLE	CARNICK & KUBIK	0	0	2,046
VERISK ANALYTICS INC	COM	92345Y106	405,438	2,298	SH		SOLE	CARNICK & KUBIK	0	0	2,298
VERTEX PHARMACEUTICALS INC	COM	92532F100	6,418,424	22,226	SH		SOLE	CARNICK & KUBIK	0	0	22,226
VISA INC	COM CL A	92826C839	2,829,865	13,621	SH		SOLE		0	0	13,621
VISA INC	COM CL A	92826C839	139,193	670	SH		SOLE	CARNICK & KUBIK	0	0	670
WASTE MGMT INC DEL	COM	94106L109	6,550,242	41,753	SH		SOLE	CARNICK & KUBIK	0	0	41,753
WASTE MGMT INC DEL	COM	94106L109	3,440,808	21,933	SH		SOLE		0	0	21,933
WESTROCK CO	COM	96145D105	1,188,795	33,811	SH		SOLE	CARNICK & KUBIK	0	0	33,811
WILLIAMS COS INC	COM	969457100	24,637	749	SH		SOLE		0	0	749
WILLIAMS COS INC	COM	969457100	1,865,891	56,714	SH		SOLE	CARNICK & KUBIK	0	0	56,714
WISDOMTREE TR	US HIGH DIVIDEND	97717W208	348,409	4,048	SH		SOLE	CARNICK & KUBIK	0	0	4,048
WOODWARD INC	COM	980745103	237,661	2,460	SH		SOLE		0	0	2,460

Check here if Amendment:	☐ Amendment Number:
This Amendment (Check only one.):	☐ is a restatement. ☐ adds new holdings entries.

Name:	Transform Wealth, LLC
Address:	6400 S. FIDDLERS GREEN CIRCLE
	SUITE 1600
	GREENWOOD VILLAGE, CO 80111
Form 13F File Number:	028-17533

Name:	Mark J. Riley
Title:	CCO
Phone:	720-509-3558

Number of Other Included Managers:	0
Form 13F Information table Entry Total:	296
Form 13F Information table Value Total:	891964853 (thousands)

Institutional Investment Manager Filing this Report:

Signature, Place, and Date of Signing:

Report Type (Check only one.):

Form 13F Summary Page

Report Summary:

List of Other Included Managers: