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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Co COM 88579Y101 848 7,679 SH   SOLE   0 0 7,679
Abbott Laboratories COM 002824100 1,393 14,392 SH   SOLE   0 0 14,392
Abbvie Inc COM 00287Y109 2,247 16,744 SH   SOLE   0 0 16,744
Aflac Inc COM 001055102 1,158 20,597 SH   SOLE   0 0 20,597
Allstate Corp COM 020002101 1,058 8,495 SH   SOLE   0 0 8,495
Alphabet Inc Class A CAP STK CL A 02079K305 459 4,800 SH   SOLE   0 0 4,800
Alphabet Inc Class C CAP STK CL C 02079K107 348 3,620 SH   SOLE   0 0 3,620
Altria Group Inc. COM 02209S103 202 5,005 SH   SOLE   0 0 5,005
Amazon.com Inc COM 023135106 1,150 10,180 SH   SOLE   0 0 10,180
Amdocs Ltd. SHS G02602103 1,438 18,094 SH   SOLE   0 0 18,094
American Tower Corp COM 03027X100 1,798 8,375 SH   SOLE   0 0 8,375
Amgen Inc COM 031162100 1,892 8,392 SH   SOLE   0 0 8,392
Apple Inc COM 037833100 2,666 19,290 SH   SOLE   0 0 19,290
Automatic Data Processing COM 053015103 211 932 SH   SOLE   0 0 932
Avalara Inc COM 05338G106 451 4,918 SH   SOLE   0 0 4,918
BCE Inc COM NEW 05534B760 1,418 33,800 SH   SOLE   0 0 33,800
Best Buy Co Inc COM 086516101 1,153 18,206 SH   SOLE   0 0 18,206
BlackRock Inc COM 09247X101 1,262 2,294 SH   SOLE   0 0 2,294
Bristol-Myers Squibb Company COM 110122108 2,653 37,325 SH   SOLE   0 0 37,325
Cedar Fair LP DEPOSITORY UNIT 150185106 280 6,800 SH   SOLE   0 0 6,800
Chevron Corp COM 166764100 410 2,857 SH   SOLE   0 0 2,857
Cigna Holding Co COM 125523100 1,454 5,241 SH   SOLE   0 0 5,241
Cisco Systems Inc COM 17275R102 418 10,448 SH   SOLE   0 0 10,448
Coca-Cola Co COM 191216100 1,231 21,974 SH   SOLE   0 0 21,974
Cognizant Technology Solutions Corporation CL A 192446102 1,199 20,874 SH   SOLE   0 0 20,874
ConAgra Foods Inc. COM 205887102 2,265 69,401 SH   SOLE   0 0 69,401
ConocoPhillips COM 20825C104 464 4,534 SH   SOLE   0 0 4,534
Copart Inc COM 217204106 426 4,000 SH   SOLE   0 0 4,000
Costco Wholesale Corporation COM 22160K105 534 1,131 SH   SOLE   0 0 1,131
CSX Corp COM 126408103 2,761 103,635 SH   SOLE   0 0 103,635
Danaher Corporation COM 235851102 250 968 SH   SOLE   0 0 968
Eaton Corp SHS G29183103 1,462 10,965 SH   SOLE   0 0 10,965
Emerson Electric Co. COM 291011104 414 5,650 SH   SOLE   0 0 5,650
Exxon Mobil Corporation COM 30231G102 624 7,147 SH   SOLE   0 0 7,147
FedEx Corporation COM 31428X106 1,174 7,905 SH   SOLE   0 0 7,905
Fortune Brands Home & Security Inc COM 34964C106 1,428 26,604 SH   SOLE   0 0 26,604
Franklin Resources Inc. COM 354613101 1,442 67,012 SH   SOLE   0 0 67,012
FS KKR Capital Corp COM 302635206 817 48,214 SH   SOLE   0 0 48,214
Gilead Sciences Inc COM 375558103 2,065 33,471 SH   SOLE   0 0 33,471
Goldman Sachs Active Beta U.S. Small Cap ACTIVEBETA US 381430602 792 15,681 SH   SOLE   0 0 15,681
Goldman Sachs Group Inc COM 38141G104 1,676 5,718 SH   SOLE   0 0 5,718
Home Depot Inc. COM 437076102 1,960 7,103 SH   SOLE   0 0 7,103
Honeywell International Inc. COM 438516106 202 1,212 SH   SOLE   0 0 1,212
Intel Corp COM 458140100 413 16,040 SH   SOLE   0 0 16,040
International Business Machines Corp COM 459200101 1,966 16,551 SH   SOLE   0 0 16,551
iShares Core MSCI EAFE CORE MSCI EAFE 46432F842 217 4,124 SH   SOLE   0 0 4,124
iShares Core MSCI Emerg Markets ETF CORE MSCI EMKT 46434G103 437 10,174 SH   SOLE   0 0 10,174
iShares Core MSCI Total Intl Stk ETF CORE MSCI TOTAL 46432F834 1,880 36,918 SH   SOLE   0 0 36,918
iShares Core S&P 500 ETF CORE S&P500 ETF 464287200 34,541 96,308 SH   SOLE   0 0 96,308
iShares Core S&P Mid-Cap ETF CORE S&P MCP ETF 464287507 3,959 18,056 SH   SOLE   0 0 18,056
iShares Core S&P Total US Stock Mkt CORE S&P TTL STK 464287150 3,018 37,937 SH   SOLE   0 0 37,937
iShares Dow Jones US Energy U.S. ENERGY ETF 464287796 1,514 38,525 SH   SOLE   0 0 38,525
iShares Edge MSCI Min Vol USA MSCI USA MIN VOL 46429B697 4,646 70,282 SH   SOLE   0 0 70,282
ISHARES ESG SCREENED S&P 500 ETF ESG SCRND S&P500 46436E569 320 11,924 SH   SOLE   0 0 11,924
iShares MSCI EAFE Index MSCI EAFE ETF 464287465 1,134 20,241 SH   SOLE   0 0 20,241
iShares MSCI Emerging Markets Index MSCI EMG MKT ETF 464287234 406 11,638 SH   SOLE   0 0 11,638
iShares Russell 1000 Growth Index RUS 1000 GRW ETF 464287614 1,233 5,860 SH   SOLE   0 0 5,860
iShares Russell 1000 Index RUS 1000 ETF 464287622 564 2,860 SH   SOLE   0 0 2,860
iShares Russell 1000 Value Index RUS 1000 VAL ETF 464287598 1,208 8,882 SH   SOLE   0 0 8,882
iShares Russell 2000 Growth Index Fund RUS 2000 GRW ETF 464287648 419 2,030 SH   SOLE   0 0 2,030
iShares Russell 2000 Index RUSSELL 2000 ETF 464287655 3,419 20,733 SH   SOLE   0 0 20,733
iShares Russell 2000 Value Index Fund RUS 2000 VAL ETF 464287630 270 2,095 SH   SOLE   0 0 2,095
iShares US Infrastructure ETF US INFRASTRUC 46435U713 828 25,667 SH   SOLE   0 0 25,667
Johnson & Johnson COM 478160104 640 3,921 SH   SOLE   0 0 3,921
JPMorgan Chase & Co COM 46625H100 2,431 23,262 SH   SOLE   0 0 23,262
L3Harris Technologies Inc COM 502431109 1,891 9,100 SH   SOLE   0 0 9,100
Landstar System Inc. COM 515098101 1,954 13,534 SH   SOLE   0 0 13,534
Lockheed Martin Corporation COM 539830109 231 598 SH   SOLE   0 0 598
Lowe's Companies Inc. COM 548661107 1,185 6,308 SH   SOLE   0 0 6,308
MARSH & MCLENNAN COS COM 571748102 927 6,210 SH   SOLE   0 0 6,210
McDonald's Corporation COM 580135101 298 1,290 SH   SOLE   0 0 1,290
Merck & Co Inc COM 58933Y105 2,909 33,775 SH   SOLE   0 0 33,775
Microsoft Corporation COM 594918104 3,501 15,034 SH   SOLE   0 0 15,034
Moderna Inc COM 60770K107 203 1,715 SH   SOLE   0 0 1,715
Mondelez International Inc CL A 609207105 239 4,356 SH   SOLE   0 0 4,356
Morgan Stanley COM NEW 617446448 1,629 20,616 SH   SOLE   0 0 20,616
Newell Rubbermaid Inc COM 651229106 524 37,758 SH   SOLE   0 0 37,758
NEXTDOOR HOLDINGS CL A ORD COM CL A 65345M108 35 12,422 SH   SOLE   0 0 12,422
NextEra Energy Inc COM 65339F101 904 11,530 SH   SOLE   0 0 11,530
Nordson Corporation COM 655663102 243 1,146 SH   SOLE   0 0 1,146
Novo Nordisk A/S ADR 670100205 249 2,500 SH   SOLE   0 0 2,500
NVIDIA Corporation COM 67066G104 302 2,485 SH   SOLE   0 0 2,485
OGE Energy Corp COM 670837103 1,689 46,326 SH   SOLE   0 0 46,326
Oracle Corporation COM 68389X105 1,564 25,604 SH   SOLE   0 0 25,604
Owens-Corning Inc COM 690742101 1,505 19,139 SH   SOLE   0 0 19,139
Parker Hannifin Corporation COM 701094104 830 3,427 SH   SOLE   0 0 3,427
Pembina Pipeline Corp COM 706327103 1,060 34,908 SH   SOLE   0 0 34,908
PepsiCo Inc COM 713448108 1,702 10,423 SH   SOLE   0 0 10,423
Perrigo Company SHS G97822103 1,482 41,556 SH   SOLE   0 0 41,556
Pfizer Inc COM 717081103 1,635 37,366 SH   SOLE   0 0 37,366
Phillips 66 COM 718546104 1,193 14,778 SH   SOLE   0 0 14,778
PowerShares QQQ UNIT SER 1 46090E103 389 1,456 SH   SOLE   0 0 1,456
Procter & Gamble Co COM 742718109 349 2,766 SH   SOLE   0 0 2,766
Progressive Corporation COM 743315103 16,726 143,929 SH   SOLE   0 0 143,929
Raytheon Technologies Ord COM 75513E101 605 7,393 SH   SOLE   0 0 7,393
Rivian Automotive Inc Class A COM CL A 76954A103 482 14,641 SH   SOLE   0 0 14,641
SEI Investments Company COM 784117103 1,489 30,362 SH   SOLE   0 0 30,362
SPDR S&P 500 TR UNIT 78462F103 7,829 21,920 SH   SOLE   0 0 21,920
SPDR S&P MidCap 400 UTSER1 S&PDCRP 78467Y107 4,073 10,140 SH   SOLE   0 0 10,140
SPDR S&P Dividend ETF S&P DIVID ETF 78464A763 287 2,570 SH   SOLE   0 0 2,570
TELUS Corp COM 87971M103 954 48,020 SH   SOLE   0 0 48,020
Thermo Fisher Scientific Inc COM 883556102 883 1,741 SH   SOLE   0 0 1,741
TJX Companies COM 872540109 2,651 42,672 SH   SOLE   0 0 42,672
Tractor Supply COM 892356106 1,026 5,521 SH   SOLE   0 0 5,521
Truist Finl Corp Com COM 89832Q109 981 22,531 SH   SOLE   0 0 22,531
Tyson Foods Inc. CL A 902494103 1,598 24,245 SH   SOLE   0 0 24,245
UGI Corp COM 902681105 1,105 34,187 SH   SOLE   0 0 34,187
UnitedHealth Group Inc COM 91324P102 355 703 SH   SOLE   0 0 703
Vanguard Dividend Appreciation ETF DIV APP ETF 921908844 205 1,515 SH   SOLE   0 0 1,515
Vanguard FTSE All World ex-US Small-Cap ETF FTSE SMCAP ETF 922042718 520 5,601 SH   SOLE   0 0 5,601
Vanguard Large Cap ETF LARGE CAP ETF 922908637 664 4,059 SH   SOLE   0 0 4,059
Vanguard Mid-Cap ETF MID CAP ETF 922908629 246 1,308 SH   SOLE   0 0 1,308
Vanguard MSCI Emerging Markets ETF FTSE EMR MKT ETF 922042858 273 7,469 SH   SOLE   0 0 7,469
Vanguard REIT Index ETF REAL ESTATE ETF 922908553 474 5,912 SH   SOLE   0 0 5,912
Vanguard Russell 1000 Value Index ETF VNG RUS1000VAL 92206C714 316 5,290 SH   SOLE   0 0 5,290
Vanguard Total Stock Market ETF TOTAL STK MKT 922908769 2,167 12,073 SH   SOLE   0 0 12,073
Verizon Communications Inc COM 92343V104 1,200 31,610 SH   SOLE   0 0 31,610
Visa Inc. COM CL A 92826C839 621 3,493 SH   SOLE   0 0 3,493
Walt Disney Co COM 254687106 267 2,826 SH   SOLE   0 0 2,826
WARNER BROS. DISCOVERY SRS A ORD WI COM SER A 934423104 116 10,119 SH   SOLE   0 0 10,119
Werner Enterprises Inc COM 950755108 1,793 47,676 SH   SOLE   0 0 47,676
Zoetis Inc CL A 98978V103 1,118 7,539 SH   SOLE   0 0 7,539
Bain Capital Specialty Finance Inc COM STK 05684B107 1,717 143,094 SH   SOLE   0 0 143,094
Blackstone Secured Lending COMMON STOCK 09261X102 7,513 330,405 SH   SOLE   0 0 330,405
ISHARES 10-20 YEAR TREASURY BOND ETF 10-20 YR TRS ETF 464288653 3,713 34,079 SH   SOLE   0 0 34,079
iShares Barclays 1-3 Year Treasury Bond 1 3 YR TREAS BD 464287457 365 4,490 SH   SOLE   0 0 4,490
iShares Barclays TIPS Bond TIPS BD ETF 464287176 231 2,203 SH   SOLE   0 0 2,203
iShares Convertible Bond ETF CONV BD ETF 46435G102 3,427 49,744 SH   SOLE   0 0 49,744
iShares Core Total US Bond Market ETF CORE US AGGBD ET 464287226 987 10,242 SH   SOLE   0 0 10,242
iShares Floating Rate Note FLTG RATE NT ETF 46429B655 210 4,180 SH   SOLE   0 0 4,180
iShares iBoxx $ Invest Grade Corp Bond IBOXX INV CP ETF 464287242 598 5,833 SH   SOLE   0 0 5,833
iShares Short Maturity Municipal Bd ETF BLACKROCK SHORT 46431W838 1,272 25,630 SH   SOLE   0 0 25,630
iShares Ultra Short-Term Bond ETF BLACKROCK ULTRA 46434V878 514 10,270 SH   SOLE   0 0 10,270
iShares US Treasury Bond US TREAS BD ETF 46429B267 310 13,611 SH   SOLE   0 0 13,611
JPMorgan Ultra-Short Income ETF ULTRA SHRT INC 46641Q837 1,301 25,940 SH   SOLE   0 0 25,940
Pennant Park Investment Corp COM 708062104 385 70,580 SH   SOLE   0 0 70,580
PIMCO Enhanced Short Maturity ETF ENHAN SHRT MA AC 72201R833 2,628 26,583 SH   SOLE   0 0 26,583
SPDR Portfolio TIPS ETF PORTFLI TIPS ETF 78464A656 3,597 141,821 SH   SOLE   0 0 141,821
TCG BDC Inc COM 872280102 2,478 216,597 SH   SOLE   0 0 216,597
US Treasury 2 Year Note ETF US TREASY 2 YR 74933W486 350 7,115 SH   SOLE   0 0 7,115
US Treasury 3 Month Bill ETF US TREAS 3 MNTH 74933W452 1,497 29,965 SH   SOLE   0 0 29,965
Wells Fargo & Co PERP PFD CNV A 949746804 240 199 SH   SOLE   0 0 199
iShares Commodities Select Strategy ETF GSCI CMDTY STGY 46431W853 6,044 169,204 SH   SOLE   0 0 169,204
BROADSTONE NET LEASE ORD COM 11135E203 325 20,938 SH   SOLE   0 0 20,938