The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

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

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 447,507 2,965 SH   SOLE   2,965 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 901,900 5,000 SH   SOLE   5,000 0 0
AMERICAN TOWER CORP NEW COM 03027X100 BBG001S5NPQ6 434,896 2,201 SH   SOLE   2,201 0 0
AMGEN INC COM 031162100 BBG001S5NNL6 281,477 990 SH   SOLE   990 0 0
ANALOG DEVICES INC COM 032654105 BBG001S5ND38 358,198 1,811 SH   SOLE   1,811 0 0
APPLE INC COM 037833100 BBG001S5N8V8 2,025,467 11,812 SH   SOLE   11,812 0 0
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 636,582 16,787 SH   SOLE   16,787 0 0
BECTON DICKINSON & CO COM 075887109 BBG001S5P374 357,565 1,445 SH   SOLE   1,445 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 345,924 2,193 SH   SOLE   2,193 0 0
COCA COLA CO COM 191216100 BBG001S5SMQ8 286,017 4,675 SH   SOLE   4,675 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 488,976 667 SH   SOLE   667 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 BBG017159MD8 404,577 15,872 SH   SOLE   15,872 0 0
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 BBG01254JDW6 570,783 12,134 SH   SOLE   12,134 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 270,304 2,795 SH   SOLE   2,795 0 0
ECOLAB INC COM 278865100 BBG001S5QRB5 473,345 2,050 SH   SOLE   2,050 0 0
ESSENTIAL UTILS INC COM 29670G102 BBG001S5VFD3 527,393 14,235 SH   SOLE   14,235 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 682,678 5,873 SH   SOLE   5,873 0 0
FIRST AMERN FINL CORP COM 31847R102 BBG001T1LV65 411,782 6,745 SH   SOLE   6,745 0 0
FRANCO NEV CORP COM 351858105 BBG001STGSR5 309,816 2,600 SH   SOLE   2,600 0 0
GARTNER INC COM 366651107 BBG001S5SD60 213,071 447 SH   SOLE   447 0 0
GENERAL MLS INC COM 370334104 BBG001S5RKR2 308,568 4,410 SH   SOLE   4,410 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 793,665 2,069 SH   SOLE   2,069 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 901,522 4,721 SH   SOLE   4,721 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 BBG00KJR2GD3 709,310 33,825 SH   SOLE   33,825 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 BBG00KJR2J47 1,285,333 62,914 SH   SOLE   62,914 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 BBG00KJR2K35 416,857 21,700 SH   SOLE   21,700 0 0
ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 903,845 21,515 SH   SOLE   21,515 0 0
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 971,677 19,453 SH   SOLE   19,453 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 347,543 2,197 SH   SOLE   2,197 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 BBG001S5S0N9 526,357 2,470 SH   SOLE   2,470 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 386,275 1,370 SH   SOLE   1,370 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,884,474 4,479 SH   SOLE   4,479 0 0
NETFLIX INC COM 64110L106 BBG001SF6L46 751,273 1,237 SH   SOLE   1,237 0 0
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 280,245 4,385 SH   SOLE   4,385 0 0
NIKE INC CL B 654106103 BBG001S6NTK2 207,414 2,207 SH   SOLE   2,207 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 5,557,850 6,151 SH   SOLE   6,151 0 0
PFIZER INC COM 717081103 BBG001S5V466 330,017 11,893 SH   SOLE   11,893 0 0
PRICE T ROWE GROUP INC COM 74144T108 BBG001S5WW18 287,640 2,359 SH   SOLE   2,359 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 417,663 2,467 SH   SOLE   2,467 0 0
RPM INTL INC COM 749685103 BBG001S7X317 490,431 4,123 SH   SOLE   4,123 0 0
SALESFORCE INC COM 79466L302 BBG001SDLP09 262,930 873 SH   SOLE   873 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 1,757,500 45,041 SH   SOLE   45,041 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 541,736 11,237 SH   SOLE   11,237 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 1,252,212 27,222 SH   SOLE   27,222 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 1,474,752 24,156 SH   SOLE   24,156 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 1,086,776 22,071 SH   SOLE   22,071 0 0
SERVICENOW INC COM 81762P102 BBG001T4JFC0 213,472 280 SH   SOLE   280 0 0
SNAP ON INC COM 833034101 BBG001S5W688 273,411 923 SH   SOLE   923 0 0
STARBUCKS CORP COM 855244109 BBG001S72KH6 588,797 6,443 SH   SOLE   6,443 0 0
TJX COS INC NEW COM 872540109 BBG001S5WQ93 336,714 3,320 SH   SOLE   3,320 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 BBG002XRNHT5 372,096 4,139 SH   SOLE   4,139 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 628,648 2,516 SH   SOLE   2,516 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 256,932 2,971 SH   SOLE   2,971 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 423,787 7,254 SH   SOLE   7,254 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 855,710 4,686 SH   SOLE   4,686 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 411,156 5,043 SH   SOLE   5,043 0 0
VEEVA SYS INC CL A COM 922475108 BBG001TX0CB4 347,535 1,500 SH   SOLE   1,500 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 781,703 2,801 SH   SOLE   2,801 0 0
WALMART INC COM 931142103 BBG001S5XH92 430,498 7,155 SH   SOLE   7,155 0 0
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 286,687 1,345 SH   SOLE   1,345 0 0
WEC ENERGY GROUP INC COM 92939U106 BBG001S5XDC7 414,295 5,045 SH   SOLE   5,045 0 0
XYLEM INC COM 98419M100 BBG001V05C73 350,240 2,710 SH   SOLE   2,710 0 0