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
ADOBE SYSTEMS INCORPORATED COM 00724F101 0 300 SH Call SOLE   300 0 0
DISNEY WALT CO COM 254687106 10,655 60,619 SH   SOLE   3,459 0 57,160
PFIZER INC COM 717081103 305 7,787 SH   SOLE   0 0 7,787
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 335 4,075 SH   SOLE   500 0 3,575
AMERICAN TOWER CORP NEW COM 03027X100 729 2,700 SH   SOLE   0 0 2,700
BECTON DICKINSON & CO COM 075887109 327 1,345 SH   SOLE   300 0 1,045
DIGITAL RLTY TR INC COM 253868103 6,876 45,700 SH   SOLE   2,076 0 43,624
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 6,145 186,891 SH   SOLE   5,620 0 181,271
GENERAL ELECTRIC CO COM 369604103 276 20,471 SH   SOLE   0 0 20,471
ABBOTT LABS COM 002824100 9,473 81,709 SH   SOLE   3,465 0 78,244
PEPSICO INC COM 713448108 5,714 38,561 SH   SOLE   2,341 0 36,220
DBX ETF TR XTRACK MSCI EAFE 233051200 206 5,494 SH   SOLE   0 0 5,494
NEXTERA ENERGY INC COM 65339F101 2,105 28,722 SH   SOLE   3,160 0 25,562
CVS HEALTH CORP COM 126650100 889 10,655 SH   SOLE   1,768 0 8,887
UNION PAC CORP COM 907818108 1,190 5,413 SH   SOLE   213 0 5,200
HUNT J B TRANS SVCS INC COM 445658107 924 5,673 SH   SOLE   275 0 5,398
TRAVELERS COMPANIES INC COM 89417E109 333 2,226 SH   SOLE   0 0 2,226
PRUDENTIAL FINL INC COM 744320102 823 8,032 SH   SOLE   135 0 7,897
PROGRESSIVE CORP COM 743315103 2,174 22,139 SH   SOLE   1,445 0 20,694
AT&T INC COM 00206R102 917 31,849 SH   SOLE   707 0 31,142
APPLE INC COM 037833100 22,019 160,767 SH   SOLE   6,659 0 154,108
ISHARES TR MSCI USA MIN VOL 46429B697 405 5,501 SH   SOLE   415 0 5,086
AMAZON COM INC COM 023135106 14,087 4,095 SH   SOLE   0 0 4,095
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 619 2,099 SH   SOLE   18 0 2,081
LOWES COS INC COM 548661107 737 3,800 SH   SOLE   2,300 0 1,500
ISHARES TR MSCI USA QLT FCT 46432F339 4,710 35,448 SH   SOLE   1,301 0 34,147
ORACLE CORP COM 68389X105 220 2,830 SH   SOLE   1,400 0 1,430
TEXAS INSTRS INC COM 882508104 219 1,139 SH   SOLE   0 0 1,139
COLGATE PALMOLIVE CO COM 194162103 775 9,523 SH   SOLE   6,600 0 2,923
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 10,049 96,457 SH   SOLE   4,474 0 91,983
PROCTER AND GAMBLE CO COM 742718109 1,904 14,111 SH   SOLE   900 0 13,211
DELTA AIR LINES INC DEL COM NEW 247361702 1,098 25,370 SH   SOLE   1,690 0 23,680
STRYKER CORPORATION COM 863667101 8,843 34,045 SH   SOLE   1,492 0 32,553
DUKE ENERGY CORP NEW COM NEW 26441C204 247 2,503 SH   SOLE   0 0 2,503
NIKE INC CL B 654106103 7,363 47,659 SH   SOLE   2,040 0 45,619
WALMART INC COM 931142103 207 1,465 SH   SOLE   0 0 1,465
V F CORP COM 918204108 749 9,125 SH   SOLE   163 0 8,962
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 14,269 118,749 SH   SOLE   6,740 0 112,009
DOMINOS PIZZA INC COM 25754A201 1,631 3,497 SH   SOLE   190 0 3,307
INFOSYS LTD SPONSORED ADR 456788108 915 43,179 SH   SOLE   787 0 42,392
INTEL CORP COM 458140100 299 5,332 SH   SOLE   2,075 0 3,257
COMCAST CORP NEW CL A 20030N101 1,067 18,717 SH   SOLE   645 0 18,072
ISHARES TR CORE S&P SCP ETF 464287804 4,844 42,878 SH   SOLE   760 0 42,118
JPMORGAN CHASE & CO COM 46625H100 11,244 72,290 SH   SOLE   4,157 0 68,133
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 19,448 186,514 SH   SOLE   7,194 0 179,320
CISCO SYS INC COM 17275R102 1,081 20,388 SH   SOLE   3,564 0 16,824
ANALOG DEVICES INC COM 032654105 6,402 37,188 SH   SOLE   1,491 0 35,697
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 1,638 7,224 SH   SOLE   477 0 6,747
CORNING INC COM 219350105 1,857 45,415 SH   SOLE   318 0 45,097
T-MOBILE US INC COM 872590104 7,689 53,087 SH   SOLE   1,637 0 51,450
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 26,214 413,541 SH   SOLE   16,401 0 397,140
ABBVIE INC COM 00287Y109 203 1,799 SH   SOLE   400 0 1,399
EATON CORP PLC SHS G29183103 343 2,313 SH   SOLE   0 0 2,313
SYSCO CORP COM 871829107 1,412 18,166 SH   SOLE   225 0 17,941
BROADCOM INC COM 11135F101 12,165 25,512 SH   SOLE   839 0 24,673
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 737 2,651 SH   SOLE   15 0 2,636
VISA INC COM CL A 92826C839 11,369 48,621 SH   SOLE   1,743 0 46,878
PPL CORP COM 69351T106 573 20,490 SH   SOLE   339 0 20,151
PEOPLES BANCORP INC COM 709789101 287 9,693 SH   SOLE   0 0 9,693
WISDOMTREE TR US SMALLCAP DIVD 97717W604 716 22,458 SH   SOLE   388 0 22,070
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 242 1,500 SH   SOLE   700 0 800
AMAZON COM INC COM 023135106 1 200 SH Call SOLE   200 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 16,608 420,977 SH   SOLE   16,030 0 404,947
CORE MOLDING TECHNOLOGIES IN COM 218683100 263 17,035 SH   SOLE   0 0 17,035
TJX COS INC NEW COM 872540109 8,521 126,389 SH   SOLE   4,831 0 121,558
FACEBOOK INC CL A 30303M102 13,092 37,652 SH   SOLE   1,400 0 36,252
LILLY ELI & CO COM 532457108 5,969 26,008 SH   SOLE   915 0 25,093
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,657 21,911 SH   SOLE   253 0 21,658
DNP SELECT INCOME FD INC COM 23325P104 112 10,675 SH   SOLE   0 0 10,675
VANGUARD INDEX FDS TOTAL STK MKT 922908769 7,217 32,390 SH   SOLE   271 0 32,119
CITIGROUP INC COM NEW 172967424 1,999 28,251 SH   SOLE   904 0 27,347
TOTALENERGIES SE SPONSORED ADS 89151E109 1,834 40,512 SH   SOLE   1,980 0 38,532
SALESFORCE COM INC COM 79466L302 11,111 45,485 SH   SOLE   2,038 0 43,447
HOME DEPOT INC COM 437076102 6,900 21,639 SH   SOLE   479 0 21,160
ALIGN TECHNOLOGY INC COM 016255101 855 1,399 SH   SOLE   185 0 1,214
L3HARRIS TECHNOLOGIES INC COM 502431109 9,798 45,328 SH   SOLE   1,688 0 43,640
ISHARES TR ESG AWR MSCI USA 46435G425 245 2,489 SH   SOLE   0 0 2,489
METLIFE INC COM 59156R108 710 11,862 SH   SOLE   179 0 11,683
COCA COLA CO COM 191216100 1,105 20,416 SH   SOLE   297 0 20,119
AMGEN INC COM 031162100 232 950 SH   SOLE   800 0 150
UNITEDHEALTH GROUP INC COM 91324P102 11,856 29,607 SH   SOLE   1,330 0 28,277
NVIDIA CORPORATION COM 67066G104 852 1,065 SH   SOLE   0 0 1,065
WASTE MGMT INC DEL COM 94106L109 5,238 37,386 SH   SOLE   810 0 36,576
LOCKHEED MARTIN CORP COM 539830109 224 593 SH   SOLE   0 0 593
AMERICAN ELEC PWR CO INC COM 025537101 2,914 34,451 SH   SOLE   680 0 33,771
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 37,043 447,861 SH   SOLE   17,837 0 430,024
3M CO COM 88579Y101 855 4,304 SH   SOLE   62 0 4,242
RAYTHEON TECHNOLOGIES CORP COM 75513E101 890 10,432 SH   SOLE   0 0 10,432
MASCO CORP COM 574599106 573 9,726 SH   SOLE   0 0 9,726
LAUDER ESTEE COS INC CL A 518439104 327 1,029 SH   SOLE   0 0 1,029
STARBUCKS CORP COM 855244109 1,065 9,529 SH   SOLE   375 0 9,154
MERCK & CO INC COM 58933Y105 2,521 32,417 SH   SOLE   1,182 0 31,235
MICROSOFT CORP COM 594918104 18,859 69,616 SH   SOLE   2,965 0 66,651
ISHARES TR CORE S&P MCP ETF 464287507 3,790 14,103 SH   SOLE   615 0 13,488
PERKINELMER INC COM 714046109 274 1,774 SH   SOLE   0 0 1,774
ADOBE SYSTEMS INCORPORATED COM 00724F101 4,974 8,494 SH   SOLE   463 0 8,031
MFS MULTIMARKET INCOME TR SH BEN INT 552737108 84 13,420 SH   SOLE   0 0 13,420
MCDONALDS CORP COM 580135101 1,957 8,473 SH   SOLE   733 0 7,740
HEICO CORP NEW COM 422806109 332 2,382 SH   SOLE   0 0 2,382
ENBRIDGE INC COM 29250N105 257 6,416 SH   SOLE   0 0 6,416
ALPHABET INC CAP STK CL A 02079K305 281 115 SH   SOLE   0 0 115
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 26,412 523,212 SH   SOLE   22,744 0 500,468
APPLIED MATLS INC COM 038222105 6,588 46,264 SH   SOLE   5,190 0 41,074
UNILEVER PLC SPON ADR NEW 904767704 662 11,308 SH   SOLE   155 0 11,153
PHILLIPS 66 COM 718546104 4,728 55,089 SH   SOLE   2,555 0 52,534
ISHARES TR MSCI EAFE ETF 464287465 379 4,800 SH   SOLE   0 0 4,800
SPDR SER TR PORTFOLIO SHORT 78464A474 40,034 1,279,049 SH   SOLE   44,495 0 1,234,554
ROYAL CARIBBEAN GROUP COM V7780T103 1,222 14,329 SH   SOLE   742 0 13,587
VMWARE INC CL A COM 928563402 3,043 19,021 SH   SOLE   886 0 18,135
ALPHABET INC CAP STK CL C 02079K107 15,634 6,238 SH   SOLE   281 0 5,957
HONEYWELL INTL INC COM 438516106 9,389 42,802 SH   SOLE   2,514 0 40,288
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 780 14,368 SH   SOLE   2,487 0 11,881
ASTRAZENECA PLC SPONSORED ADR 046353108 10,948 182,774 SH   SOLE   6,357 0 176,417
ISHARES TR CORE S&P500 ETF 464287200 483 1,123 SH   SOLE   0 0 1,123
UNITED PARCEL SERVICE INC CL B 911312106 383 1,840 SH   SOLE   0 0 1,840
MEDTRONIC PLC SHS G5960L103 2,390 19,257 SH   SOLE   206 0 19,051
BLACKROCK INC COM 09247X101 10,344 11,822 SH   SOLE   711 0 11,111
EVEREST RE GROUP LTD COM G3223R108 1,498 5,943 SH   SOLE   0 0 5,943
AES CORP COM 00130H105 1,661 63,728 SH   SOLE   0 0 63,728
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 21,613 276,137 SH   SOLE   13,080 0 263,057
JOHNSON & JOHNSON COM 478160104 1,246 7,561 SH   SOLE   1,094 0 6,467
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 2,837 56,545 SH   SOLE   4,500 0 52,045
DOLLAR GEN CORP NEW COM 256677105 9,664 44,659 SH   SOLE   1,702 0 42,957
PAYPAL HLDGS INC COM 70450Y103 11,475 39,369 SH   SOLE   1,533 0 37,836
KEYCORP COM 493267108 249 12,050 SH   SOLE   0 0 12,050