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 1,343 9,128 SH   SOLE 0 0 0 9,128
ABBOTT LABS COM 002824100 1,560 13,223 SH   SOLE 0 0 0 13,223
ABBVIE INC COM 00287Y109 1,583 10,125 SH   SOLE 0 0 0 10,125
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 511 1,629 SH   SOLE 0 0 0 1,629
AFLAC INC COM 001055102 392 6,612 SH   SOLE 0 0 0 6,612
AGENUS INC COM NEW 00847G705 69 35,151 SH   SOLE 0 0 0 35,151
AGILENT TECHNOLOGIES INC COM 00846U101 257 2,126 SH   SOLE 0 0 0 2,126
AIR PRODS & CHEMS INC COM 009158106 485 2,018 SH   SOLE 0 0 0 2,018
ALLIANT ENERGY CORP COM 018802108 526 8,583 SH   SOLE 0 0 0 8,583
ALPHABET INC CAP STK CL C 02079K107 2,052 859 SH   SOLE 0 0 0 859
ALPHABET INC CAP STK CL A 02079K305 3,532 1,490 SH   SOLE 0 0 0 1,490
ALTRIA GROUP INC COM 02209S103 730 13,225 SH   SOLE 0 0 0 13,225
AMAZON COM INC COM 023135106 3,583 1,239 SH   SOLE 0 0 0 1,239
AMERICAN ELEC PWR CO INC COM 025537101 738 7,206 SH   SOLE 0 0 0 7,206
AMERICAN EXPRESS CO COM 025816109 766 4,211 SH   SOLE 0 0 0 4,211
AMERICAN TOWER CORP NEW COM 03027X100 1,471 5,834 SH   SOLE 0 0 0 5,834
AMGEN INC COM 031162100 394 1,653 SH   SOLE 0 0 0 1,653
AMPHENOL CORP NEW CL A 032095101 337 4,580 SH   SOLE 0 0 0 4,580
ANALOG DEVICES INC COM 032654105 272 1,697 SH   SOLE 0 0 0 1,697
APPLE INC COM 037833100 12,802 78,232 SH   SOLE 0 0 0 78,232
AT&T INC COM 00206R102 307 15,822 SH   SOLE 0 0 0 15,822
AUTOMATIC DATA PROCESSING IN COM 053015103 925 4,029 SH   SOLE 0 0 0 4,029
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 564 14,455 SH   SOLE 0 0 0 14,455
BECTON DICKINSON & CO COM 075887109 363 1,435 SH   SOLE 0 0 0 1,435
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 5,956 17,980 SH   SOLE 0 0 0 17,980
BK OF AMERICA CORP COM 060505104 2,309 62,736 SH   SOLE 0 0 0 62,736
BLACKSTONE INC COM 09260D107 817 7,540 SH   SOLE 0 0 0 7,540
BLEND LABS INC CL A 09352U108 48 10,369 SH   SOLE 0 0 0 10,369
BOEING CO COM 097023105 775 5,026 SH   SOLE 0 0 0 5,026
BRISTOL-MYERS SQUIBB CO COM 110122108 1,035 13,405 SH   SOLE 0 0 0 13,405
BROADCOM INC COM 11135F101 657 1,135 SH   SOLE 0 0 0 1,135
CANADIAN PAC RY LTD COM 13645T100 273 3,614 SH   SOLE 0 0 0 3,614
CARRIER GLOBAL CORPORATION COM 14448C104 208 5,270 SH   SOLE 0 0 0 5,270
CATERPILLAR INC COM 149123101 1,391 6,549 SH   SOLE 0 0 0 6,549
CELANESE CORP DEL COM 150870103 987 6,903 SH   SOLE 0 0 0 6,903
CHEVRON CORP NEW COM 166764100 1,859 11,488 SH   SOLE 0 0 0 11,488
CHUBB LIMITED COM H1467J104 776 3,675 SH   SOLE 0 0 0 3,675
CHURCH & DWIGHT CO INC COM 171340102 278 2,766 SH   SOLE 0 0 0 2,766
CHURCHILL DOWNS INC COM 171484108 861 4,100 SH   SOLE 0 0 0 4,100
CINTAS CORP COM 172908105 278 677 SH   SOLE 0 0 0 677
CISCO SYS INC COM 17275R102 2,503 49,432 SH   SOLE 0 0 0 49,432
CITIGROUP INC COM NEW 172967424 270 5,391 SH   SOLE 0 0 0 5,391
CLOROX CO DEL COM 189054109 449 3,024 SH   SOLE 0 0 0 3,024
COCA COLA CO COM 191216100 1,684 25,438 SH   SOLE 0 0 0 25,438
COLGATE PALMOLIVE CO COM 194162103 992 12,214 SH   SOLE 0 0 0 12,214
COMCAST CORP NEW CL A 20030N101 768 18,423 SH   SOLE 0 0 0 18,423
CONOCOPHILLIPS COM 20825C104 781 8,010 SH   SOLE 0 0 0 8,010
CONSTELLATION BRANDS INC CL A 21036P108 603 2,412 SH   SOLE 0 0 0 2,412
CONSTELLATION ENERGY CORP COM 21037T109 209 3,401 SH   SOLE 0 0 0 3,401
COSTCO WHSL CORP NEW COM 22160K105 3,665 6,521 SH   SOLE 0 0 0 6,521
CROWN CASTLE INTL CORP NEW COM 22822V101 1,092 5,685 SH   SOLE 0 0 0 5,685
CSX CORP COM 126408103 1,814 51,527 SH   SOLE 0 0 0 51,527
CUMMINS INC COM 231021106 1,823 9,375 SH   SOLE 0 0 0 9,375
CVS HEALTH CORP COM 126650100 1,087 10,781 SH   SOLE 0 0 0 10,781
DANAHER CORPORATION COM 235851102 912 3,547 SH   SOLE 0 0 0 3,547
DBX ETF TR XTRACK MSCI EAFE 233051200 1,326 35,243 SH   SOLE 0 0 0 35,243
DEERE & CO COM 244199105 1,244 3,231 SH   SOLE 0 0 0 3,231
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 434 16,478 SH   SOLE 0 0 0 16,478
DISNEY WALT CO COM 254687106 3,599 31,219 SH   SOLE 0 0 0 31,219
DUKE ENERGY CORP NEW COM NEW 26441C204 846 7,430 SH   SOLE 0 0 0 7,430
DUPONT DE NEMOURS INC COM 26614N102 242 3,577 SH   SOLE 0 0 0 3,577
EASTMAN CHEM CO COM 277432100 504 4,689 SH   SOLE 0 0 0 4,689
EATON CORP PLC SHS G29183103 231 1,565 SH   SOLE 0 0 0 1,565
EMERSON ELEC CO COM 291011104 538 5,828 SH   SOLE 0 0 0 5,828
EXELON CORP COM 30161N101 539 11,146 SH   SOLE 0 0 0 11,146
EXXON MOBIL CORP COM 30231G102 759 8,704 SH   SOLE 0 0 0 8,704
FASTENAL CO COM 311900104 255 4,438 SH   SOLE 0 0 0 4,438
FEDEX CORP COM 31428X106 938 4,533 SH   SOLE 0 0 0 4,533
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 341 6,766 SH   SOLE 0 0 0 6,766
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 410 6,480 SH   SOLE 0 0 0 6,480
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 339 7,187 SH   SOLE 0 0 0 7,187
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 381 3,365 SH   SOLE 0 0 0 3,365
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 9,604 199,753 SH   SOLE 0 0 0 199,753
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 426 8,275 SH   SOLE 0 0 0 8,275
FISERV INC COM 337738108 269 2,572 SH   SOLE 0 0 0 2,572
FORD MTR CO DEL COM 345370860 231 15,776 SH   SOLE 0 0 0 15,776
FRANKLIN TEMPLETON ETF TR FTSE UNTD KGDM 35473P678 361 14,817 SH   SOLE 0 0 0 14,817
GALLAGHER ARTHUR J & CO COM 363576109 1,264 7,050 SH   SOLE 0 0 0 7,050
GENERAL ELECTRIC CO COM NEW 369604301 267 3,433 SH   SOLE 0 0 0 3,433
GENERAL MLS INC COM 370334104 326 4,513 SH   SOLE 0 0 0 4,513
GLOBAL X FDS US INFR DEV ETF 37954Y673 1,476 54,572 SH   SOLE 0 0 0 54,572
GLOBAL X FDS GLBL X MLP ETF 37954Y343 1,479 35,822 SH   SOLE 0 0 0 35,822
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 1,096 12,922 SH   SOLE 0 0 0 12,922
GRAINGER W W INC COM 384802104 861 1,672 SH   SOLE 0 0 0 1,672
GRANITESHARES ETF TR BBG COMMD K 1 38747R108 630 18,870 SH   SOLE 0 0 0 18,870
HERSHEY CO COM 427866108 869 3,811 SH   SOLE 0 0 0 3,811
HOME DEPOT INC COM 437076102 2,086 6,692 SH   SOLE 0 0 0 6,692
HONEYWELL INTL INC COM 438516106 1,366 7,192 SH   SOLE 0 0 0 7,192
ILLINOIS TOOL WKS INC COM 452308109 407 2,007 SH   SOLE 0 0 0 2,007
INTEL CORP COM 458140100 1,604 34,237 SH   SOLE 0 0 0 34,237
INTERNATIONAL BUSINESS MACHS COM 459200101 634 4,671 SH   SOLE 0 0 0 4,671
INTERNATIONAL PAPER CO COM 460146103 324 6,832 SH   SOLE 0 0 0 6,832
INTUIT COM 461202103 822 1,850 SH   SOLE 0 0 0 1,850
INVESCO ACTIVELY MANAGED ETF TOTAL RETURN 46090A804 589 11,670 SH   SOLE 0 0 0 11,670
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 234 3,466 SH   SOLE 0 0 0 3,466
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 526 25,237 SH   SOLE 0 0 0 25,237
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 3,971 29,425 SH   SOLE 0 0 0 29,425
INVESCO EXCHANGE TRADED FD T DYNMC SOFTWARE 46137V639 295 2,892 SH   SOLE 0 0 0 2,892
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308 456 5,230 SH   SOLE 0 0 0 5,230
INVESCO EXCHANGE TRADED FD T FINL PFD ETF 46137V621 164 10,450 SH   SOLE 0 0 0 10,450
INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506 680 17,906 SH   SOLE 0 0 0 17,906
INVESCO EXCHANGE TRADED FD T DYNMC BIOTECH 46137V787 203 3,513 SH   SOLE 0 0 0 3,513
INVESCO QQQ TR UNIT SER 1 46090E103 3,529 10,759 SH   SOLE 0 0 0 10,759
ISHARES GOLD TR ISHARES NEW 464285204 1,981 54,964 SH   SOLE 0 0 0 54,964
ISHARES INC CORE MSCI EMKT 46434G103 7,173 137,605 SH   SOLE 0 0 0 137,605
ISHARES INC MSCI JPN ETF NEW 46434G822 209 3,641 SH   SOLE 0 0 0 3,641
ISHARES INC MSCI EURZONE ETF 464286608 655 16,111 SH   SOLE 0 0 0 16,111
ISHARES INC MSCI PAC JP ETF 464286665 253 5,449 SH   SOLE 0 0 0 5,449
ISHARES TR MSCI EAFE ETF 464287465 202 2,914 SH   SOLE 0 0 0 2,914
ISHARES TR US HLTHCARE ETF 464287762 270 967 SH   SOLE 0 0 0 967
ISHARES TR U.S. TECH ETF 464287721 2,866 30,666 SH   SOLE 0 0 0 30,666
ISHARES TR ISHARES BIOTECH 464287556 327 2,747 SH   SOLE 0 0 0 2,747
ISHARES TR CORE S&P MCP ETF 464287507 1,550 6,047 SH   SOLE 0 0 0 6,047
ISHARES TR CORE S&P SCP ETF 464287804 3,295 32,275 SH   SOLE 0 0 0 32,275
ISHARES TR S&P 500 VAL ETF 464287408 713 4,674 SH   SOLE 0 0 0 4,674
ISHARES TR CORE S&P500 ETF 464287200 8,346 19,423 SH   SOLE 0 0 0 19,423
ISHARES TR S&P 500 GRWT ETF 464287309 988 14,138 SH   SOLE 0 0 0 14,138
ISHARES TR RUSSELL 3000 ETF 464287689 260 1,050 SH   SOLE 0 0 0 1,050
ISHARES TR 1 3 YR TREAS BD 464287457 1,016 12,233 SH   SOLE 0 0 0 12,233
ISHARES TR BARCLAYS 7 10 YR 464287440 1,800 17,419 SH   SOLE 0 0 0 17,419
ISHARES TR 20 YR TR BD ETF 464287432 1,076 8,887 SH   SOLE 0 0 0 8,887
ISHARES TR ISHARES SEMICDTR 464287523 620 1,481 SH   SOLE 0 0 0 1,481
ISHARES TR EXPANDED TECH 464287515 718 2,300 SH   SOLE 0 0 0 2,300
ISHARES TR CORE US AGGBD ET 464287226 1,571 15,183 SH   SOLE 0 0 0 15,183
ISHARES TR SELECT DIVID ETF 464287168 1,510 11,875 SH   SOLE 0 0 0 11,875
ISHARES TR CORE MSCI TOTAL 46432F834 3,995 63,649 SH   SOLE 0 0 0 63,649
ISHARES TR CORE MSCI EAFE 46432F842 8,895 135,507 SH   SOLE 0 0 0 135,507
ISHARES TR CORE 1 5 YR USD 46432F859 388 8,096 SH   SOLE 0 0 0 8,096
ISHARES TR US TREAS BD ETF 46429B267 731 30,161 SH   SOLE 0 0 0 30,161
ISHARES TR ESG AWR MSCI USA 46435G425 1,515 15,849 SH   SOLE 0 0 0 15,849
ISHARES TR CORE DIV GRWTH 46434V621 3,150 60,362 SH   SOLE 0 0 0 60,362
ISHARES TR CORE MSCI EURO 46434V738 625 12,381 SH   SOLE 0 0 0 12,381
ISHARES TR CORE TOTAL USD 46434V613 742 15,476 SH   SOLE 0 0 0 15,476
ISHARES TR MSCI USA MMENTM 46432F396 351 2,299 SH   SOLE 0 0 0 2,299
ISHARES TR MSCI USA QLT FCT 46432F339 2,028 15,846 SH   SOLE 0 0 0 15,846
ISHARES TR CORE HIGH DV ETF 46429B663 383 3,580 SH   SOLE 0 0 0 3,580
ISHARES TR MSCI USA MIN VOL 46429B697 1,092 14,371 SH   SOLE 0 0 0 14,371
ISHARES TR 0-5 YR TIPS ETF 46429B747 209 2,000 SH   SOLE 0 0 0 2,000
ISHARES TR RUS TP200 VL ETF 464289420 267 3,931 SH   SOLE 0 0 0 3,931
ISHARES TR RUS TP200 GR ETF 464289438 259 1,780 SH   SOLE 0 0 0 1,780
ISHARES TR GL CLEAN ENE ETF 464288224 425 22,238 SH   SOLE 0 0 0 22,238
ISHARES TR SHRT NAT MUN ETF 464288158 2,344 22,590 SH   SOLE 0 0 0 22,590
ISHARES TR EAFE VALUE ETF 464288877 218 4,541 SH   SOLE 0 0 0 4,541
ISHARES TR CORE S&P TTL STK 464287150 10,263 107,803 SH   SOLE 0 0 0 107,803
ISHARES TR U.S. MED DVC ETF 464288810 588 10,429 SH   SOLE 0 0 0 10,429
ISHARES TR IBOXX HI YD ETF 464288513 1,825 22,949 SH   SOLE 0 0 0 22,949
ISHARES TR ISHS 1-5YR INVS 464288646 329 6,455 SH   SOLE 0 0 0 6,455
ISHARES TR MBS ETF 464288588 687 6,972 SH   SOLE 0 0 0 6,972
ISHARES TR NATIONAL MUN ETF 464288414 982 9,196 SH   SOLE 0 0 0 9,196
ISHARES TR JPMORGAN USD EMG 464288281 1,018 11,009 SH   SOLE 0 0 0 11,009
ISHARES TR HDG MSCI EAFE 46434V803 7,457 219,965 SH   SOLE 0 0 0 219,965
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 4,352 87,916 SH   SOLE 0 0 0 87,916
JANUS DETROIT STR TR HENDERSON MTG 47103U852 243 5,023 SH   SOLE 0 0 0 5,023
JOHNSON & JOHNSON COM 478160104 8,099 44,148 SH   SOLE 0 0 0 44,148
JPMORGAN CHASE & CO COM 46625H100 1,891 15,330 SH   SOLE 0 0 0 15,330
KELLOGG CO COM 487836108 250 3,590 SH   SOLE 0 0 0 3,590
KIMBERLY-CLARK CORP COM 494368103 1,829 12,882 SH   SOLE 0 0 0 12,882
KLA CORP COM NEW 482480100 341 1,025 SH   SOLE 0 0 0 1,025
LILLY ELI & CO COM 532457108 3,725 12,531 SH   SOLE 0 0 0 12,531
LOCKHEED MARTIN CORP COM 539830109 653 1,478 SH   SOLE 0 0 0 1,478
LOWES COS INC COM 548661107 2,442 11,906 SH   SOLE 0 0 0 11,906
M & T BK CORP COM 55261F104 344 2,007 SH   SOLE 0 0 0 2,007
MARTIN MARIETTA MATLS INC COM 573284106 406 1,109 SH   SOLE 0 0 0 1,109
MASCO CORP COM 574599106 208 3,775 SH   SOLE 0 0 0 3,775
MASTERCARD INCORPORATED CL A 57636Q104 642 1,695 SH   SOLE 0 0 0 1,695
MCCORMICK & CO INC COM VTG 579780107 870 8,512 SH   SOLE 0 0 0 8,512
MCCORMICK & CO INC COM NON VTG 579780206 3,364 32,432 SH   SOLE 0 0 0 32,432
MCDONALDS CORP COM 580135101 4,826 18,987 SH   SOLE 0 0 0 18,987
MEDTRONIC PLC SHS G5960L103 314 2,928 SH   SOLE 0 0 0 2,928
MERCADOLIBRE INC COM 58733R102 552 531 SH   SOLE 0 0 0 531
MERCK & CO INC COM 58933Y105 1,815 20,489 SH   SOLE 0 0 0 20,489
META PLATFORMS INC CL A 30303M102 1,082 5,261 SH   SOLE 0 0 0 5,261
METLIFE INC COM 59156R108 733 10,818 SH   SOLE 0 0 0 10,818
MICROCHIP TECHNOLOGY INC. COM 595017104 253 3,708 SH   SOLE 0 0 0 3,708
MICROSOFT CORP COM 594918104 12,301 42,470 SH   SOLE 0 0 0 42,470
MONDELEZ INTL INC CL A 609207105 565 8,525 SH   SOLE 0 0 0 8,525
NEXTERA ENERGY INC COM 65339F101 1,274 17,341 SH   SOLE 0 0 0 17,341
NIKE INC CL B 654106103 3,109 24,470 SH   SOLE 0 0 0 24,470
NORFOLK SOUTHN CORP COM 655844108 1,807 6,796 SH   SOLE 0 0 0 6,796
NORTHROP GRUMMAN CORP COM 666807102 1,445 3,245 SH   SOLE 0 0 0 3,245
NUTRIEN LTD COM 67077M108 233 2,300 SH   SOLE 0 0 0 2,300
OLD DOMINION FREIGHT LINE IN COM 679580100 292 1,000 SH   SOLE 0 0 0 1,000
ORACLE CORP COM 68389X105 944 12,396 SH   SOLE 0 0 0 12,396
PALANTIR TECHNOLOGIES INC CL A 69608A108 419 38,250 SH   SOLE 0 0 0 38,250
PARKER-HANNIFIN CORP COM 701094104 408 1,478 SH   SOLE 0 0 0 1,478
PAYCHEX INC COM 704326107 422 3,186 SH   SOLE 0 0 0 3,186
PAYPAL HLDGS INC COM 70450Y103 207 2,252 SH   SOLE 0 0 0 2,252
PEPSICO INC COM 713448108 4,811 27,102 SH   SOLE 0 0 0 27,102
PFIZER INC COM 717081103 2,010 39,785 SH   SOLE 0 0 0 39,785
PHILIP MORRIS INTL INC COM 718172109 466 4,551 SH   SOLE 0 0 0 4,551
PHILLIPS 66 COM 718546104 296 3,397 SH   SOLE 0 0 0 3,397
PIMCO ETF TR INTER MUN BD ACT 72201R866 1,600 30,885 SH   SOLE 0 0 0 30,885
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 8,344 83,505 SH   SOLE 0 0 0 83,505
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 3,159 32,500 SH   SOLE 0 0 0 32,500
PIMCO ETF TR ACTIVE BD ETF 72201R775 1,434 14,576 SH   SOLE 0 0 0 14,576
PNC FINL SVCS GROUP INC COM 693475105 891 5,211 SH   SOLE 0 0 0 5,211
PPG INDS INC COM 693506107 412 3,148 SH   SOLE 0 0 0 3,148
PRICE T ROWE GROUP INC COM 74144T108 559 4,320 SH   SOLE 0 0 0 4,320
PROCTER AND GAMBLE CO COM 742718109 6,764 41,392 SH   SOLE 0 0 0 41,392
PRUDENTIAL FINL INC COM 744320102 836 7,455 SH   SOLE 0 0 0 7,455
PUBLIC STORAGE COM 74460D109 1,509 3,783 SH   SOLE 0 0 0 3,783
QUEST DIAGNOSTICS INC COM 74834L100 217 1,600 SH   SOLE 0 0 0 1,600
RAYTHEON TECHNOLOGIES CORP COM 75513E101 880 8,977 SH   SOLE 0 0 0 8,977
REALTY INCOME CORP COM 756109104 210 2,891 SH   SOLE 0 0 0 2,891
SALESFORCE COM INC COM 79466L302 253 1,362 SH   SOLE 0 0 0 1,362
SCHWAB CHARLES FAMILY FD AMT TAX FREE MNY 808515530 94 93,724 SH   SOLE 0 0 0 93,724
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,600 33,413 SH   SOLE 0 0 0 33,413
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,454 77,859 SH   SOLE 0 0 0 77,859
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 11,086 163,251 SH   SOLE 0 0 0 163,251
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 6,938 99,726 SH   SOLE 0 0 0 99,726
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 23,313 463,120 SH   SOLE 0 0 0 463,120
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7,793 224,843 SH   SOLE 0 0 0 224,843
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 12,130 238,679 SH   SOLE 0 0 0 238,679
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,958 150,901 SH   SOLE 0 0 0 150,901
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,187 47,132 SH   SOLE 0 0 0 47,132
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,675 23,187 SH   SOLE 0 0 0 23,187
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 948 19,444 SH   SOLE 0 0 0 19,444
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 6,715 136,064 SH   SOLE 0 0 0 136,064
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 8,903 171,407 SH   SOLE 0 0 0 171,407
SEI INVTS CO COM 784117103 231 4,000 SH   SOLE 0 0 0 4,000
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 2,920 39,749 SH   SOLE 0 0 0 39,749
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 3,535 40,739 SH   SOLE 0 0 0 40,739
SELECT SECTOR SPDR TR ENERGY 81369Y506 9,354 121,281 SH   SOLE 0 0 0 121,281
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 7,979 223,263 SH   SOLE 0 0 0 223,263
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 9,477 96,972 SH   SOLE 0 0 0 96,972
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 18,438 124,942 SH   SOLE 0 0 0 124,942
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 6,264 78,486 SH   SOLE 0 0 0 78,486
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 13,850 103,566 SH   SOLE 0 0 0 103,566
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 15,886 92,577 SH   SOLE 0 0 0 92,577
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 3,542 72,354 SH   SOLE 0 0 0 72,354
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 10,680 174,717 SH   SOLE 0 0 0 174,717
SERVICENOW INC COM 81762P102 456 905 SH   SOLE 0 0 0 905
SHERWIN WILLIAMS CO COM 824348106 928 3,300 SH   SOLE 0 0 0 3,300
SNAP ON INC COM 833034101 220 1,000 SH   SOLE 0 0 0 1,000
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 614 1,811 SH   SOLE 0 0 0 1,811
SPDR INDEX SHS FDS EURO STOXX 50 78463X202 2,655 68,877 SH   SOLE 0 0 0 68,877
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 380 11,780 SH   SOLE 0 0 0 11,780
SPDR S&P 500 ETF TR TR UNIT 78462F103 8,450 19,751 SH   SOLE 0 0 0 19,751
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 408 871 SH   SOLE 0 0 0 871
SPDR SER TR PORTFLI INTRMDIT 78464A672 2,173 73,294 SH   SOLE 0 0 0 73,294
SPDR SER TR PORTFOLIO S&P500 78464A854 12,592 250,189 SH   SOLE 0 0 0 250,189
SPDR SER TR AEROSPACE DEF 78464A631 211 1,816 SH   SOLE 0 0 0 1,816
SPDR SER TR PORTFLI MORTGAGE 78464A383 806 34,785 SH   SOLE 0 0 0 34,785
SPDR SER TR PORTFOLIO S&P600 78468R853 9,407 235,940 SH   SOLE 0 0 0 235,940
SPDR SER TR PRTFLO S&P500 HI 78468R788 283 6,449 SH   SOLE 0 0 0 6,449
SPDR SER TR NUVEEN BLMBRG MU 78468R721 669 14,495 SH   SOLE 0 0 0 14,495
SPDR SER TR PORTFOLIO S&P400 78464A847 6,883 152,926 SH   SOLE 0 0 0 152,926
SPDR SER TR S&P BK ETF 78464A797 248 5,104 SH   SOLE 0 0 0 5,104
SPDR SER TR NUVEEN BLMBRG SH 78468R739 677 14,484 SH   SOLE 0 0 0 14,484
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 236 5,297 SH   SOLE 0 0 0 5,297
STANLEY BLACK & DECKER INC COM 854502101 563 4,430 SH   SOLE 0 0 0 4,430
STARBUCKS CORP COM 855244109 1,361 17,778 SH   SOLE 0 0 0 17,778
SUN CMNTYS INC COM 866674104 2,850 15,544 SH   SOLE 0 0 0 15,544
TARGET CORP COM 87612E106 1,916 8,105 SH   SOLE 0 0 0 8,105
TESLA INC COM 88160R101 1,524 1,737 SH   SOLE 0 0 0 1,737
TEXAS INSTRS INC COM 882508104 277 1,573 SH   SOLE 0 0 0 1,573
TEXTRON INC COM 883203101 236 3,270 SH   SOLE 0 0 0 3,270
TJX COS INC NEW COM 872540109 295 4,655 SH   SOLE 0 0 0 4,655
TRACTOR SUPPLY CO COM 892356106 208 1,000 SH   SOLE 0 0 0 1,000
TRAVELERS COMPANIES INC COM 89417E109 1,928 11,046 SH   SOLE 0 0 0 11,046
TRUIST FINL CORP COM 89832Q109 673 13,400 SH   SOLE 0 0 0 13,400
UNION PAC CORP COM 907818108 873 3,648 SH   SOLE 0 0 0 3,648
UNITED PARCEL SERVICE INC CL B 911312106 306 1,607 SH   SOLE 0 0 0 1,607
UNITED RENTALS INC COM 911363109 319 1,000 SH   SOLE 0 0 0 1,000
UNITEDHEALTH GROUP INC COM 91324P102 321 612 SH   SOLE 0 0 0 612
V F CORP COM 918204108 628 11,795 SH   SOLE 0 0 0 11,795
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 336 6,093 SH   SOLE 0 0 0 6,093
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 10,761 140,278 SH   SOLE 0 0 0 140,278
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 7,129 92,348 SH   SOLE 0 0 0 92,348
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 771 15,639 SH   SOLE 0 0 0 15,639
VANGUARD INDEX FDS LARGE CAP ETF 922908637 329 1,674 SH   SOLE 0 0 0 1,674
VANGUARD INDEX FDS VALUE ETF 922908744 2,938 20,253 SH   SOLE 0 0 0 20,253
VANGUARD INDEX FDS SML CP GRW ETF 922908595 269 1,184 SH   SOLE 0 0 0 1,184
VANGUARD INDEX FDS GROWTH ETF 922908736 422 1,609 SH   SOLE 0 0 0 1,609
VANGUARD INDEX FDS SMALL CP ETF 922908751 17,514 87,175 SH   SOLE 0 0 0 87,175
VANGUARD INDEX FDS MID CAP ETF 922908629 1,016 4,492 SH   SOLE 0 0 0 4,492
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,839 44,423 SH   SOLE 0 0 0 44,423
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,483 6,315 SH   SOLE 0 0 0 6,315
VANGUARD INDEX FDS TOTAL STK MKT 922908769 37,552 174,848 SH   SOLE 0 0 0 174,848
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,789 41,212 SH   SOLE 0 0 0 41,212
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 11,827 123,763 SH   SOLE 0 0 0 123,763
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 7,714 141,966 SH   SOLE 0 0 0 141,966
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 309 2,662 SH   SOLE 0 0 0 2,662
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,238 24,674 SH   SOLE 0 0 0 24,674
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 400 4,870 SH   SOLE 0 0 0 4,870
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 9,186 119,221 SH   SOLE 0 0 0 119,221
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 4,900 79,681 SH   SOLE 0 0 0 79,681
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 8,630 146,200 SH   SOLE 0 0 0 146,200
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,103 6,941 SH   SOLE 0 0 0 6,941
VANGUARD STAR FDS VG TL INTL STK F 921909768 16,555 293,730 SH   SOLE 0 0 0 293,730
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 697 15,373 SH   SOLE 0 0 0 15,373
VANGUARD WELLINGTON FD US VALUE FACTR 921935805 1,223 11,837 SH   SOLE 0 0 0 11,837
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 229 2,174 SH   SOLE 0 0 0 2,174
VANGUARD WORLD FDS INF TECH ETF 92204A702 44,525 116,213 SH   SOLE 0 0 0 116,213
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 1,138 3,998 SH   SOLE 0 0 0 3,998
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 2,397 13,036 SH   SOLE 0 0 0 13,036
VANGUARD WORLD FDS MATERIALS ETF 92204A801 850 4,475 SH   SOLE 0 0 0 4,475
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 2,621 24,798 SH   SOLE 0 0 0 24,798
VANGUARD WORLD FDS UTILITIES ETF 92204A876 2,743 17,207 SH   SOLE 0 0 0 17,207
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 11,298 129,880 SH   SOLE 0 0 0 129,880
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 19,324 78,728 SH   SOLE 0 0 0 78,728
VANGUARD WORLD FDS ENERGY ETF 92204A306 2,190 20,263 SH   SOLE 0 0 0 20,263
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 1,408 6,852 SH   SOLE 0 0 0 6,852
VERIZON COMMUNICATIONS INC COM 92343V104 1,564 32,313 SH   SOLE 0 0 0 32,313
VISA INC COM CL A 92826C839 2,148 9,734 SH   SOLE 0 0 0 9,734
WALMART INC COM 931142103 1,778 11,383 SH   SOLE 0 0 0 11,383
WASTE MGMT INC DEL COM 94106L109 1,586 9,351 SH   SOLE 0 0 0 9,351
WD 40 CO COM 929236107 206 1,100 SH   SOLE 0 0 0 1,100
WORLD GOLD TR SPDR GLD MINIS 98149E303 336 8,927 SH   SOLE 0 0 0 8,927
YUM BRANDS INC COM 988498101 1,988 16,632 SH   SOLE 0 0 0 16,632
YUM CHINA HLDGS INC COM 98850P109 322 7,847 SH   SOLE 0 0 0 7,847
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 384 1,002 SH   SOLE 0 0 0 1,002