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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   622,625 5,192 SH   SOLE   0 0 5,192
ABBOTT LABS COM 002824100   834,294 7,599 SH   SOLE   0 0 7,599
ABBVIE INC COM 00287Y109   1,092,160 6,758 SH   SOLE   0 0 6,758
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   803,989 3,013 SH   SOLE   0 0 3,013
ALTRIA GROUP INC COM 02209S103   878,546 19,220 SH   SOLE   0 0 19,220
AMGEN INC COM 031162100   975,445 3,714 SH   SOLE   0 0 3,714
ANALOG DEVICES INC COM 032654105   884,450 5,392 SH   SOLE   0 0 5,392
APPLE INC COM 037833100   351,721 2,707 SH   SOLE   0 0 2,707
BLOCK H & R INC COM 093671105   811,654 22,231 SH   SOLE   0 0 22,231
BRISTOL-MYERS SQUIBB CO COM 110122108   1,058,169 14,707 SH   SOLE   0 0 14,707
BROADCOM INC COM 11135F101   735,256 1,315 SH   SOLE   0 0 1,315
CHOICE HOTELS INTL INC COM 169905106   799,293 7,096 SH   SOLE   0 0 7,096
COCA COLA CO COM 191216100   1,011,145 15,896 SH   SOLE   0 0 15,896
COLGATE PALMOLIVE CO COM 194162103   797,828 10,126 SH   SOLE   0 0 10,126
DIAGEO PLC SPON ADR NEW 25243Q205   877,229 4,923 SH   SOLE   0 0 4,923
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   344,495 6,735 SH   SOLE   0 0 6,735
GILEAD SCIENCES INC COM 375558103   1,072,524 12,493 SH   SOLE   0 0 12,493
GSK PLC SPONSORED ADR 37733W204   755,932 21,512 SH   SOLE   0 0 21,512
HOME DEPOT INC COM 437076102   973,528 3,082 SH   SOLE   0 0 3,082
INTEL CORP COM 458140100   719,002 27,204 SH   SOLE   0 0 27,204
INTERNATIONAL BUSINESS MACHS COM 459200101   1,055,548 7,492 SH   SOLE   0 0 7,492
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 HY 46138J833   2,284,023 103,256 SH   SOLE   0 0 103,256
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   1,634,846 77,924 SH   SOLE   0 0 77,924
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 26 46138J635   2,263,092 100,515 SH   SOLE   0 0 100,515
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   1,410,133 68,837 SH   SOLE   0 0 68,837
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 HY 46138J817   2,306,456 104,317 SH   SOLE   0 0 104,317
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 HY 46138J858   2,305,942 98,925 SH   SOLE   0 0 98,925
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   1,360,739 67,564 SH   SOLE   0 0 67,564
INVESCO EXCH TRD SLF IDX FD BULETSHS 2027 46138J585   2,304,674 107,821 SH   SOLE   0 0 107,821
ISHARES TR CORE S&P SCP ETF 464287804   2,208,177 23,332 SH   SOLE   0 0 23,332
ISHARES TR CORE S&P MCP ETF 464287507   6,608,737 27,321 SH   SOLE   0 0 27,321
JOHNSON & JOHNSON COM 478160104   944,968 5,349 SH   SOLE   0 0 5,349
KELLOGG CO COM 487836108   900,046 12,634 SH   SOLE   0 0 12,634
KIMBERLY-CLARK CORP COM 494368103   752,462 5,543 SH   SOLE   0 0 5,543
LILLY ELI & CO COM 532457108   1,219,345 3,333 SH   SOLE   0 0 3,333
LOCKHEED MARTIN CORP COM 539830109   1,112,116 2,286 SH   SOLE   0 0 2,286
MCDONALDS CORP COM 580135101   1,009,320 3,830 SH   SOLE   0 0 3,830
MEDIFAST INC COM 58470H101   684,948 5,938 SH   SOLE   0 0 5,938
MERCK & CO INC COM 58933Y105   1,072,511 9,667 SH   SOLE   0 0 9,667
MICROSOFT CORP COM 594918104   741,284 3,091 SH   SOLE   0 0 3,091
NOVO-NORDISK A S ADR 670100205   1,163,653 8,598 SH   SOLE   0 0 8,598
OPTICAL CABLE CORP COM NEW 683827208   79,560 18,000 SH   SOLE   0 0 18,000
PAYCHEX INC COM 704326107   868,896 7,519 SH   SOLE   0 0 7,519
PEPSICO INC COM 713448108   1,065,352 5,897 SH   SOLE   0 0 5,897
PFIZER INC COM 717081103   1,114,724 21,755 SH   SOLE   0 0 21,755
PHILIP MORRIS INTL INC COM 718172109   974,754 9,631 SH   SOLE   0 0 9,631
QUALCOMM INC COM 747525103   693,941 6,312 SH   SOLE   0 0 6,312
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   4,940,260 36,366 SH   SOLE   0 0 36,366
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   7,613,241 61,180 SH   SOLE   0 0 61,180
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   2,242,942 46,738 SH   SOLE   0 0 46,738
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   2,616,725 35,100 SH   SOLE   0 0 35,100
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   3,049,829 31,054 SH   SOLE   0 0 31,054
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   2,931,796 22,699 SH   SOLE   0 0 22,699
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   4,262,555 124,636 SH   SOLE   0 0 124,636
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   776,356 9,994 SH   SOLE   0 0 9,994
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,774,667 20,289 SH   SOLE   0 0 20,289
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   917,982 13,021 SH   SOLE   0 0 13,021
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   694,530 18,807 SH   SOLE   0 0 18,807
SPDR SER TR S&P 400 MDCP GRW 78464A821   204,449 3,129 SH   SOLE   0 0 3,129
SPDR SER TR PRTFLO S&P500 VL 78464A508   543,993 13,988 SH   SOLE   0 0 13,988
SPDR SER TR S&P 400 MDCP VAL 78464A839   210,599 3,254 SH   SOLE   0 0 3,254
SPDR SER TR PRTFLO S&P500 GW 78464A409   517,847 10,220 SH   SOLE   0 0 10,220
STARBUCKS CORP COM 855244109   655,414 6,607 SH   SOLE   0 0 6,607
TEXAS INSTRS INC COM 882508104   878,208 5,315 SH   SOLE   0 0 5,315
UNILEVER PLC SPON ADR NEW 904767704   817,029 16,227 SH   SOLE   0 0 16,227
UNITED PARCEL SERVICE INC CL B 911312106   799,664 4,600 SH   SOLE   0 0 4,600
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   248,265 3,010 SH   SOLE   0 0 3,010
VANGUARD INDEX FDS MID CAP ETF 922908629   508,710 2,496 SH   SOLE   0 0 2,496
VANGUARD WORLD FDS ENERGY ETF 92204A306   338,371 2,790 SH   SOLE   0 0 2,790
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   1,278,261 15,451 SH   SOLE   0 0 15,451
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   924,045 4,219 SH   SOLE   0 0 4,219
VANGUARD WORLD FDS UTILITIES ETF 92204A876   245,529 1,601 SH   SOLE   0 0 1,601
VANGUARD WORLD FDS INF TECH ETF 92204A702   1,953,192 6,115 SH   SOLE   0 0 6,115
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   700,059 3,833 SH   SOLE   0 0 3,833
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   561,875 2,933 SH   SOLE   0 0 2,933
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   1,343,687 5,417 SH   SOLE   0 0 5,417
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   740,086 8,998 SH   SOLE   0 0 8,998
VERIZON COMMUNICATIONS INC COM 92343V104   659,123 16,729 SH   SOLE   0 0 16,729
YUM BRANDS INC COM 988498101   938,698 7,329 SH   SOLE   0 0 7,329