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 1,021 7,912 SH   SOLE 0 0 0 7,912
ABBOTT LABS COM 002824100 1,331 12,224 SH   SOLE 0 0 0 12,224
ABBVIE INC COM 00287Y109 1,552 10,125 SH   SOLE 0 0 0 10,125
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 425 1,547 SH   SOLE 0 0 0 1,547
AFLAC INC COM 001055102 371 6,612 SH   SOLE 0 0 0 6,612
AGENUS INC COM NEW 00847G705 45 17,576 SH   SOLE 0 0 0 17,576
AGILENT TECHNOLOGIES INC COM 00846U101 251 2,040 SH   SOLE 0 0 0 2,040
AIR PRODS & CHEMS INC COM 009158106 455 1,944 SH   SOLE 0 0 0 1,944
ALLIANT ENERGY CORP COM 018802108 493 8,504 SH   SOLE 0 0 0 8,504
ALPHABET INC CAP STK CL C 02079K107 2,021 867 SH   SOLE 0 0 0 867
ALPHABET INC CAP STK CL A 02079K305 3,438 1,486 SH   SOLE 0 0 0 1,486
ALTRIA GROUP INC COM 02209S103 569 13,565 SH   SOLE 0 0 0 13,565
AMAZON COM INC COM 023135106 2,655 23,760 SH   SOLE 0 0 0 23,760
AMERICAN ELEC PWR CO INC COM 025537101 685 7,208 SH   SOLE 0 0 0 7,208
AMERICAN EXPRESS CO COM 025816109 592 4,212 SH   SOLE 0 0 0 4,212
AMERICAN TOWER CORP NEW COM 03027X100 1,435 5,561 SH   SOLE 0 0 0 5,561
AMGEN INC COM 031162100 410 1,653 SH   SOLE 0 0 0 1,653
AMPHENOL CORP NEW CL A 032095101 298 4,580 SH   SOLE 0 0 0 4,580
ANALOG DEVICES INC COM 032654105 261 1,771 SH   SOLE 0 0 0 1,771
APPLE INC COM 037833100 11,332 78,221 SH   SOLE 0 0 0 78,221
AT&T INC COM 00206R102 320 15,499 SH   SOLE 0 0 0 15,499
AUTOMATIC DATA PROCESSING IN COM 053015103 860 4,001 SH   SOLE 0 0 0 4,001
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 271 7,843 SH   SOLE 0 0 0 7,843
BECTON DICKINSON & CO COM 075887109 350 1,435 SH   SOLE 0 0 0 1,435
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,992 17,923 SH   SOLE 0 0 0 17,923
BK OF AMERICA CORP COM 060505104 1,841 58,515 SH   SOLE 0 0 0 58,515
BLACKSTONE INC COM 09260D107 720 7,560 SH   SOLE 0 0 0 7,560
BLEND LABS INC CL A 09352U108 29 10,369 SH   SOLE 0 0 0 10,369
BOEING CO COM 097023105 599 4,374 SH   SOLE 0 0 0 4,374
BRISTOL-MYERS SQUIBB CO COM 110122108 965 12,771 SH   SOLE 0 0 0 12,771
BROADCOM INC COM 11135F101 476 986 SH   SOLE 0 0 0 986
CANADIAN PAC RY LTD COM 13645T100 260 3,614 SH   SOLE 0 0 0 3,614
CATERPILLAR INC COM 149123101 1,097 6,266 SH   SOLE 0 0 0 6,266
CELANESE CORP DEL COM 150870103 723 6,503 SH   SOLE 0 0 0 6,503
CHEVRON CORP NEW COM 166764100 1,623 11,471 SH   SOLE 0 0 0 11,471
CHUBB LIMITED COM H1467J104 711 3,675 SH   SOLE 0 0 0 3,675
CHURCH & DWIGHT CO INC COM 171340102 263 2,766 SH   SOLE 0 0 0 2,766
CHURCHILL DOWNS INC COM 171484108 798 4,100 SH   SOLE 0 0 0 4,100
CINTAS CORP COM 172908105 258 677 SH   SOLE 0 0 0 677
CISCO SYS INC COM 17275R102 2,153 49,788 SH   SOLE 0 0 0 49,788
CITIGROUP INC COM NEW 172967424 249 5,395 SH   SOLE 0 0 0 5,395
CLOROX CO DEL COM 189054109 430 3,029 SH   SOLE 0 0 0 3,029
COCA COLA CO COM 191216100 1,574 25,007 SH   SOLE 0 0 0 25,007
COLGATE PALMOLIVE CO COM 194162103 936 11,898 SH   SOLE 0 0 0 11,898
COMCAST CORP NEW CL A 20030N101 725 18,498 SH   SOLE 0 0 0 18,498
CONOCOPHILLIPS COM 20825C104 662 7,738 SH   SOLE 0 0 0 7,738
CONSTELLATION BRANDS INC CL A 21036P108 582 2,412 SH   SOLE 0 0 0 2,412
CONSTELLATION ENERGY CORP COM 21037T109 204 3,401 SH   SOLE 0 0 0 3,401
COSTCO WHSL CORP NEW COM 22160K105 3,146 6,306 SH   SOLE 0 0 0 6,306
CROWN CASTLE INTL CORP NEW COM 22822V101 962 5,585 SH   SOLE 0 0 0 5,585
CSX CORP COM 126408103 1,435 49,733 SH   SOLE 0 0 0 49,733
CUMMINS INC COM 231021106 1,776 9,025 SH   SOLE 0 0 0 9,025
CVS HEALTH CORP COM 126650100 1,021 10,783 SH   SOLE 0 0 0 10,783
DANAHER CORPORATION COM 235851102 925 3,488 SH   SOLE 0 0 0 3,488
DBX ETF TR XTRACK MSCI EAFE 233051200 2,206 62,861 SH   SOLE 0 0 0 62,861
DEERE & CO COM 244199105 931 3,119 SH   SOLE 0 0 0 3,119
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 390 16,478 SH   SOLE 0 0 0 16,478
DISNEY WALT CO COM 254687106 2,842 30,352 SH   SOLE 0 0 0 30,352
DUKE ENERGY CORP NEW COM NEW 26441C204 787 7,291 SH   SOLE 0 0 0 7,291
EASTMAN CHEM CO COM 277432100 412 4,590 SH   SOLE 0 0 0 4,590
EATON CORP PLC SHS G29183103 200 1,565 SH   SOLE 0 0 0 1,565
EMERSON ELEC CO COM 291011104 460 5,728 SH   SOLE 0 0 0 5,728
EXELON CORP COM 30161N101 495 11,146 SH   SOLE 0 0 0 11,146
EXXON MOBIL CORP COM 30231G102 745 8,705 SH   SOLE 0 0 0 8,705
FASTENAL CO COM 311900104 224 4,438 SH   SOLE 0 0 0 4,438
FEDEX CORP COM 31428X106 997 4,448 SH   SOLE 0 0 0 4,448
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 274 6,082 SH   SOLE 0 0 0 6,082
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 393 6,343 SH   SOLE 0 0 0 6,343
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 312 6,910 SH   SOLE 0 0 0 6,910
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 320 3,213 SH   SOLE 0 0 0 3,213
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 9,751 209,062 SH   SOLE 0 0 0 209,062
FISERV INC COM 337738108 230 2,486 SH   SOLE 0 0 0 2,486
FORD MTR CO DEL COM 345370860 203 18,005 SH   SOLE 0 0 0 18,005
GALLAGHER ARTHUR J & CO COM 363576109 1,169 7,050 SH   SOLE 0 0 0 7,050
GENERAL ELECTRIC CO COM NEW 369604301 205 3,305 SH   SOLE 0 0 0 3,305
GENERAL MLS INC COM 370334104 338 4,464 SH   SOLE 0 0 0 4,464
GLOBAL X FDS US INFR DEV ETF 37954Y673 1,039 45,192 SH   SOLE 0 0 0 45,192
GLOBAL X FDS GLBL X MLP ETF 37954Y343 1,555 41,663 SH   SOLE 0 0 0 41,663
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 1,876 24,549 SH   SOLE 0 0 0 24,549
GRAINGER W W INC COM 384802104 799 1,672 SH   SOLE 0 0 0 1,672
GRANITESHARES ETF TR BBG COMMD K 1 38747R108 383 12,783 SH   SOLE 0 0 0 12,783
HERSHEY CO COM 427866108 844 3,827 SH   SOLE 0 0 0 3,827
HOME DEPOT INC COM 437076102 1,902 6,641 SH   SOLE 0 0 0 6,641
HONEYWELL INTL INC COM 438516106 1,245 7,202 SH   SOLE 0 0 0 7,202
ILLINOIS TOOL WKS INC COM 452308109 348 1,903 SH   SOLE 0 0 0 1,903
INTEL CORP COM 458140100 1,260 33,881 SH   SOLE 0 0 0 33,881
INTERNATIONAL BUSINESS MACHS COM 459200101 664 4,709 SH   SOLE 0 0 0 4,709
INTERNATIONAL PAPER CO COM 460146103 289 6,834 SH   SOLE 0 0 0 6,834
INTUIT COM 461202103 745 1,850 SH   SOLE 0 0 0 1,850
INVESCO ACTIVELY MANAGED ETF TOTAL RETURN 46090A804 1,308 27,102 SH   SOLE 0 0 0 27,102
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 3,526 29,665 SH   SOLE 0 0 0 29,665
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 302 4,864 SH   SOLE 0 0 0 4,864
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 270 14,855 SH   SOLE 0 0 0 14,855
INVESCO EXCHANGE TRADED FD T DYNMC SOFTWARE 46137V639 274 2,892 SH   SOLE 0 0 0 2,892
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308 410 5,231 SH   SOLE 0 0 0 5,231
INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506 624 17,918 SH   SOLE 0 0 0 17,918
INVESCO EXCHANGE TRADED FD T DYNMC BIOTECH 46137V787 213 3,513 SH   SOLE 0 0 0 3,513
INVESCO QQQ TR UNIT SER 1 46090E103 3,079 10,653 SH   SOLE 0 0 0 10,653
ISHARES GOLD TR ISHARES NEW 464285204 1,777 54,032 SH   SOLE 0 0 0 54,032
ISHARES INC MSCI GBL MIN VOL 464286525 2,225 23,378 SH   SOLE 0 0 0 23,378
ISHARES INC CORE MSCI EMKT 46434G103 6,131 128,457 SH   SOLE 0 0 0 128,457
ISHARES INC MSCI EURZONE ETF 464286608 297 8,479 SH   SOLE 0 0 0 8,479
ISHARES TR CORE S&P MCP ETF 464287507 1,165 5,091 SH   SOLE 0 0 0 5,091
ISHARES TR CORE S&P SCP ETF 464287804 3,254 35,188 SH   SOLE 0 0 0 35,188
ISHARES TR S&P 500 VAL ETF 464287408 2,328 16,838 SH   SOLE 0 0 0 16,838
ISHARES TR CORE S&P500 ETF 464287200 8,053 20,849 SH   SOLE 0 0 0 20,849
ISHARES TR S&P 500 GRWT ETF 464287309 2,909 46,687 SH   SOLE 0 0 0 46,687
ISHARES TR RUSSELL 3000 ETF 464287689 233 1,050 SH   SOLE 0 0 0 1,050
ISHARES TR ISHARES BIOTECH 464287556 264 2,124 SH   SOLE 0 0 0 2,124
ISHARES TR MSCI EAFE ETF 464287465 292 4,754 SH   SOLE 0 0 0 4,754
ISHARES TR US HLTHCARE ETF 464287762 285 1,041 SH   SOLE 0 0 0 1,041
ISHARES TR US INDUSTRIALS 464287754 230 2,584 SH   SOLE 0 0 0 2,584
ISHARES TR U.S. TECH ETF 464287721 2,519 30,476 SH   SOLE 0 0 0 30,476
ISHARES TR 1 3 YR TREAS BD 464287457 552 6,679 SH   SOLE 0 0 0 6,679
ISHARES TR 7-10 YR TRSY BD 464287440 1,461 14,286 SH   SOLE 0 0 0 14,286
ISHARES TR 20 YR TR BD ETF 464287432 429 3,747 SH   SOLE 0 0 0 3,747
ISHARES TR IBOXX INV CP ETF 464287242 2,090 18,887 SH   SOLE 0 0 0 18,887
ISHARES TR ISHARES SEMICDTR 464287523 380 1,084 SH   SOLE 0 0 0 1,084
ISHARES TR EXPANDED TECH 464287515 647 2,300 SH   SOLE 0 0 0 2,300
ISHARES TR CORE US AGGBD ET 464287226 753 7,402 SH   SOLE 0 0 0 7,402
ISHARES TR SELECT DIVID ETF 464287168 1,399 11,882 SH   SOLE 0 0 0 11,882
ISHARES TR CORE MSCI TOTAL 46432F834 3,533 63,234 SH   SOLE 0 0 0 63,234
ISHARES TR CORE MSCI EAFE 46432F842 7,896 136,685 SH   SOLE 0 0 0 136,685
ISHARES TR HDG MSCI EAFE 46434V803 6,813 217,454 SH   SOLE 0 0 0 217,454
ISHARES TR MSCI USA MMENTM 46432F396 289 2,110 SH   SOLE 0 0 0 2,110
ISHARES TR MSCI USA QLT FCT 46432F339 1,307 11,442 SH   SOLE 0 0 0 11,442
ISHARES TR CORE DIV GRWTH 46434V621 3,449 71,711 SH   SOLE 0 0 0 71,711
ISHARES TR CORE MSCI EURO 46434V738 627 14,327 SH   SOLE 0 0 0 14,327
ISHARES TR CORE TOTAL USD 46434V613 2,176 46,468 SH   SOLE 0 0 0 46,468
ISHARES TR ESG AWR MSCI USA 46435G425 1,365 15,937 SH   SOLE 0 0 0 15,937
ISHARES TR MSCI USA MIN VOL 46429B697 1,066 14,976 SH   SOLE 0 0 0 14,976
ISHARES TR US TREAS BD ETF 46429B267 773 32,382 SH   SOLE 0 0 0 32,382
ISHARES TR CORE HIGH DV ETF 46429B663 451 4,495 SH   SOLE 0 0 0 4,495
ISHARES TR 0-5 YR TIPS ETF 46429B747 206 2,041 SH   SOLE 0 0 0 2,041
ISHARES TR RUS TP200 VL ETF 464289420 245 3,931 SH   SOLE 0 0 0 3,931
ISHARES TR RUS TP200 GR ETF 464289438 230 1,780 SH   SOLE 0 0 0 1,780
ISHARES TR EAFE VALUE ETF 464288877 267 6,320 SH   SOLE 0 0 0 6,320
ISHARES TR U.S. MED DVC ETF 464288810 244 4,756 SH   SOLE 0 0 0 4,756
ISHARES TR CORE S&P TTL STK 464287150 8,813 103,343 SH   SOLE 0 0 0 103,343
ISHARES TR USD INV GRDE ETF 464288620 1,336 26,156 SH   SOLE 0 0 0 26,156
ISHARES TR MBS ETF 464288588 786 8,062 SH   SOLE 0 0 0 8,062
ISHARES TR NATIONAL MUN ETF 464288414 909 8,505 SH   SOLE 0 0 0 8,505
ISHARES TR JPMORGAN USD EMG 464288281 1,026 12,220 SH   SOLE 0 0 0 12,220
ISHARES TR GRWT ALLOCAT ETF 464289867 719 15,059 SH   SOLE 0 0 0 15,059
ISHARES TR SHRT NAT MUN ETF 464288158 2,526 24,099 SH   SOLE 0 0 0 24,099
ISHARES TR AGGRES ALLOC ETF 464289859 248 4,171 SH   SOLE 0 0 0 4,171
ISHARES TR GL CLEAN ENE ETF 464288224 433 22,238 SH   SOLE 0 0 0 22,238
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 3,897 79,194 SH   SOLE 0 0 0 79,194
JOHNSON & JOHNSON COM 478160104 7,691 43,123 SH   SOLE 0 0 0 43,123
JPMORGAN CHASE & CO COM 46625H100 1,731 15,339 SH   SOLE 0 0 0 15,339
KELLOGG CO COM 487836108 261 3,592 SH   SOLE 0 0 0 3,592
KIMBERLY-CLARK CORP COM 494368103 1,731 12,850 SH   SOLE 0 0 0 12,850
KLA CORP COM NEW 482480100 293 936 SH   SOLE 0 0 0 936
LILLY ELI & CO COM 532457108 4,108 12,407 SH   SOLE 0 0 0 12,407
LOCKHEED MARTIN CORP COM 539830109 619 1,478 SH   SOLE 0 0 0 1,478
LOWES COS INC COM 548661107 1,801 9,999 SH   SOLE 0 0 0 9,999
M & T BK CORP COM 55261F104 319 2,007 SH   SOLE 0 0 0 2,007
MARTIN MARIETTA MATLS INC COM 573284106 348 1,109 SH   SOLE 0 0 0 1,109
MASTERCARD INCORPORATED CL A 57636Q104 550 1,695 SH   SOLE 0 0 0 1,695
MCCORMICK & CO INC COM NON VTG 579780206 2,662 32,334 SH   SOLE 0 0 0 32,334
MCCORMICK & CO INC COM VTG 579780107 701 8,512 SH   SOLE 0 0 0 8,512
MCDONALDS CORP COM 580135101 4,645 18,341 SH   SOLE 0 0 0 18,341
MEDTRONIC PLC SHS G5960L103 257 2,887 SH   SOLE 0 0 0 2,887
MERCADOLIBRE INC COM 58733R102 350 531 SH   SOLE 0 0 0 531
MERCK & CO INC COM 58933Y105 1,950 20,674 SH   SOLE 0 0 0 20,674
META PLATFORMS INC CL A 30303M102 776 4,766 SH   SOLE 0 0 0 4,766
METLIFE INC COM 59156R108 641 10,322 SH   SOLE 0 0 0 10,322
MICROSOFT CORP COM 594918104 10,969 41,469 SH   SOLE 0 0 0 41,469
MONDELEZ INTL INC CL A 609207105 523 8,400 SH   SOLE 0 0 0 8,400
NEXTERA ENERGY INC COM 65339F101 1,359 16,848 SH   SOLE 0 0 0 16,848
NIKE INC CL B 654106103 2,544 24,202 SH   SOLE 0 0 0 24,202
NORFOLK SOUTHN CORP COM 655844108 1,530 6,784 SH   SOLE 0 0 0 6,784
NORTHROP GRUMMAN CORP COM 666807102 1,514 3,184 SH   SOLE 0 0 0 3,184
OLD DOMINION FREIGHT LINE IN COM 679580100 270 1,000 SH   SOLE 0 0 0 1,000
ORACLE CORP COM 68389X105 873 12,198 SH   SOLE 0 0 0 12,198
PALANTIR TECHNOLOGIES INC CL A 69608A108 366 38,250 SH   SOLE 0 0 0 38,250
PARKER-HANNIFIN CORP COM 701094104 367 1,478 SH   SOLE 0 0 0 1,478
PAYCHEX INC COM 704326107 368 3,162 SH   SOLE 0 0 0 3,162
PEPSICO INC COM 713448108 4,534 26,595 SH   SOLE 0 0 0 26,595
PERFORMANCE SHIPPING INC COM NEW Y67305121 8 12,798 SH   SOLE 0 0 0 12,798
PFIZER INC COM 717081103 2,100 39,701 SH   SOLE 0 0 0 39,701
PHILIP MORRIS INTL INC COM 718172109 424 4,551 SH   SOLE 0 0 0 4,551
PHILLIPS 66 COM 718546104 270 3,298 SH   SOLE 0 0 0 3,298
PIMCO ETF TR ACTIVE BD ETF 72201R775 490 5,157 SH   SOLE 0 0 0 5,157
PIMCO ETF TR INTER MUN BD ACT 72201R866 670 12,905 SH   SOLE 0 0 0 12,905
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 382 7,699 SH   SOLE 0 0 0 7,699
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,012 10,219 SH   SOLE 0 0 0 10,219
PNC FINL SVCS GROUP INC COM 693475105 835 5,211 SH   SOLE 0 0 0 5,211
PPG INDS INC COM 693506107 359 3,148 SH   SOLE 0 0 0 3,148
PRICE T ROWE GROUP INC COM 74144T108 489 4,320 SH   SOLE 0 0 0 4,320
PROCTER AND GAMBLE CO COM 742718109 5,905 40,431 SH   SOLE 0 0 0 40,431
PRUDENTIAL FINL INC COM 744320102 674 7,009 SH   SOLE 0 0 0 7,009
PUBLIC STORAGE COM 74460D109 1,187 3,783 SH   SOLE 0 0 0 3,783
QUEST DIAGNOSTICS INC COM 74834L100 218 1,600 SH   SOLE 0 0 0 1,600
RAYTHEON TECHNOLOGIES CORP COM 75513E101 846 8,928 SH   SOLE 0 0 0 8,928
SALESFORCE INC COM 79466L302 339 1,945 SH   SOLE 0 0 0 1,945
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,783 153,520 SH   SOLE 0 0 0 153,520
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 8,377 170,641 SH   SOLE 0 0 0 170,641
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 8,427 163,608 SH   SOLE 0 0 0 163,608
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,662 67,324 SH   SOLE 0 0 0 67,324
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 12,577 209,378 SH   SOLE 0 0 0 209,378
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 6,895 109,721 SH   SOLE 0 0 0 109,721
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 21,197 470,625 SH   SOLE 0 0 0 470,625
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 6,698 216,818 SH   SOLE 0 0 0 216,818
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 11,328 248,963 SH   SOLE 0 0 0 248,963
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,503 34,714 SH   SOLE 0 0 0 34,714
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,213 57,036 SH   SOLE 0 0 0 57,036
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,072 32,548 SH   SOLE 0 0 0 32,548
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 751 15,692 SH   SOLE 0 0 0 15,692
SEI INVTS CO COM 784117103 216 4,000 SH   SOLE 0 0 0 4,000
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 2,779 38,166 SH   SOLE 0 0 0 38,166
SELECT SECTOR SPDR TR ENERGY 81369Y506 7,748 110,262 SH   SOLE 0 0 0 110,262
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 6,400 201,144 SH   SOLE 0 0 0 201,144
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 6,493 74,357 SH   SOLE 0 0 0 74,357
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 14,764 112,668 SH   SOLE 0 0 0 112,668
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 4,884 67,087 SH   SOLE 0 0 0 67,087
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 11,086 85,012 SH   SOLE 0 0 0 85,012
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 10,716 75,275 SH   SOLE 0 0 0 75,275
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 2,739 38,982 SH   SOLE 0 0 0 38,982
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 7,953 144,633 SH   SOLE 0 0 0 144,633
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 2,627 63,704 SH   SOLE 0 0 0 63,704
SERVICENOW INC COM 81762P102 444 905 SH   SOLE 0 0 0 905
SHERWIN WILLIAMS CO COM 824348106 798 3,300 SH   SOLE 0 0 0 3,300
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 565 1,813 SH   SOLE 0 0 0 1,813
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 1,022 36,043 SH   SOLE 0 0 0 36,043
SPDR INDEX SHS FDS EURO STOXX 50 78463X202 2,682 80,342 SH   SOLE 0 0 0 80,342
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 463 13,701 SH   SOLE 0 0 0 13,701
SPDR S&P 500 ETF TR TR UNIT 78462F103 7,238 18,837 SH   SOLE 0 0 0 18,837
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 356 851 SH   SOLE 0 0 0 851
SPDR SER TR NUVEEN BLMBRG SH 78468R739 581 12,233 SH   SOLE 0 0 0 12,233
SPDR SER TR PORTFOLIO S&P400 78464A847 5,490 136,692 SH   SOLE 0 0 0 136,692
SPDR SER TR PORTFLI INTRMDIT 78464A672 1,458 49,495 SH   SOLE 0 0 0 49,495
SPDR SER TR PORTFOLIO S&P500 78464A854 10,981 243,099 SH   SOLE 0 0 0 243,099
SPDR SER TR NUVEEN BLMBRG MU 78468R721 756 16,301 SH   SOLE 0 0 0 16,301
SPDR SER TR PORTFOLIO SHORT 78464A474 377 12,673 SH   SOLE 0 0 0 12,673
SPDR SER TR PORT MTG BK ETF 78464A383 485 21,187 SH   SOLE 0 0 0 21,187
SPDR SER TR AEROSPACE DEF 78464A631 222 2,209 SH   SOLE 0 0 0 2,209
SPDR SER TR PRTFLO S&P500 HI 78468R788 258 6,467 SH   SOLE 0 0 0 6,467
SPDR SER TR PORTFOLIO S&P600 78468R853 6,568 182,198 SH   SOLE 0 0 0 182,198
STANLEY BLACK & DECKER INC COM 854502101 473 4,344 SH   SOLE 0 0 0 4,344
STARBUCKS CORP COM 855244109 1,347 17,296 SH   SOLE 0 0 0 17,296
SUN CMNTYS INC COM 866674104 2,340 14,576 SH   SOLE 0 0 0 14,576
T-MOBILE US INC COM 872590104 239 1,776 SH   SOLE 0 0 0 1,776
TARGET CORP COM 87612E106 1,133 7,738 SH   SOLE 0 0 0 7,738
TESLA INC COM 88160R101 1,221 1,737 SH   SOLE 0 0 0 1,737
TEXAS INSTRS INC COM 882508104 236 1,540 SH   SOLE 0 0 0 1,540
TJX COS INC NEW COM 872540109 272 4,657 SH   SOLE 0 0 0 4,657
TRACTOR SUPPLY CO COM 892356106 203 1,000 SH   SOLE 0 0 0 1,000
TRAVELERS COMPANIES INC COM 89417E109 1,802 10,690 SH   SOLE 0 0 0 10,690
TRUIST FINL CORP COM 89832Q109 633 13,350 SH   SOLE 0 0 0 13,350
UNION PAC CORP COM 907818108 760 3,623 SH   SOLE 0 0 0 3,623
UNITED PARCEL SERVICE INC CL B 911312106 297 1,608 SH   SOLE 0 0 0 1,608
UNITED RENTALS INC COM 911363109 249 1,000 SH   SOLE 0 0 0 1,000
UNITEDHEALTH GROUP INC COM 91324P102 316 611 SH   SOLE 0 0 0 611
V F CORP COM 918204108 528 11,799 SH   SOLE 0 0 0 11,799
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 22,026 164,893 SH   SOLE 0 0 0 164,893
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 24,755 503,451 SH   SOLE 0 0 0 503,451
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 10,225 135,966 SH   SOLE 0 0 0 135,966
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 8,857 115,497 SH   SOLE 0 0 0 115,497
VANGUARD INDEX FDS LARGE CAP ETF 922908637 205 1,169 SH   SOLE 0 0 0 1,169
VANGUARD INDEX FDS VALUE ETF 922908744 2,167 16,376 SH   SOLE 0 0 0 16,376
VANGUARD INDEX FDS SML CP GRW ETF 922908595 240 1,184 SH   SOLE 0 0 0 1,184
VANGUARD INDEX FDS GROWTH ETF 922908736 338 1,466 SH   SOLE 0 0 0 1,466
VANGUARD INDEX FDS SMALL CP ETF 922908751 15,176 84,933 SH   SOLE 0 0 0 84,933
VANGUARD INDEX FDS MID CAP ETF 922908629 857 4,282 SH   SOLE 0 0 0 4,282
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,607 39,256 SH   SOLE 0 0 0 39,256
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,468 4,157 SH   SOLE 0 0 0 4,157
VANGUARD INDEX FDS TOTAL STK MKT 922908769 29,923 155,711 SH   SOLE 0 0 0 155,711
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,635 40,349 SH   SOLE 0 0 0 40,349
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 3,627 74,173 SH   SOLE 0 0 0 74,173
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 250 2,473 SH   SOLE 0 0 0 2,473
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 10,760 125,831 SH   SOLE 0 0 0 125,831
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 541 10,738 SH   SOLE 0 0 0 10,738
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 7,668 100,528 SH   SOLE 0 0 0 100,528
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,817 29,750 SH   SOLE 0 0 0 29,750
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 5,761 98,059 SH   SOLE 0 0 0 98,059
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,004 6,916 SH   SOLE 0 0 0 6,916
VANGUARD STAR FDS VG TL INTL STK F 921909768 13,380 265,117 SH   SOLE 0 0 0 265,117
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 590 14,726 SH   SOLE 0 0 0 14,726
VANGUARD WELLINGTON FD US VALUE FACTR 921935805 405 4,419 SH   SOLE 0 0 0 4,419
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 3,299 57,829 SH   SOLE 0 0 0 57,829
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 233 2,409 SH   SOLE 0 0 0 2,409
VANGUARD WORLD FDS MATERIALS ETF 92204A801 501 3,166 SH   SOLE 0 0 0 3,166
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 18,599 77,323 SH   SOLE 0 0 0 77,323
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,973 20,257 SH   SOLE 0 0 0 20,257
VANGUARD WORLD FDS INF TECH ETF 92204A702 36,096 107,092 SH   SOLE 0 0 0 107,092
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 873 3,705 SH   SOLE 0 0 0 3,705
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 1,760 10,740 SH   SOLE 0 0 0 10,740
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 2,524 26,450 SH   SOLE 0 0 0 26,450
VANGUARD WORLD FDS UTILITIES ETF 92204A876 2,560 16,779 SH   SOLE 0 0 0 16,779
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 9,266 118,748 SH   SOLE 0 0 0 118,748
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 1,099 5,881 SH   SOLE 0 0 0 5,881
VERIZON COMMUNICATIONS INC COM 92343V104 1,564 30,970 SH   SOLE 0 0 0 30,970
VISA INC COM CL A 92826C839 1,808 8,818 SH   SOLE 0 0 0 8,818
WALMART INC COM 931142103 1,450 11,560 SH   SOLE 0 0 0 11,560
WASTE MGMT INC DEL COM 94106L109 1,423 9,327 SH   SOLE 0 0 0 9,327
WISDOMTREE TR US LARGECAP DIVD 97717W307 314 5,270 SH   SOLE 0 0 0 5,270
YUM BRANDS INC COM 988498101 1,923 16,505 SH   SOLE 0 0 0 16,505
YUM CHINA HLDGS INC COM 98850P109 345 7,655 SH   SOLE 0 0 0 7,655
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 292 1,002 SH   SOLE 0 0 0 1,002