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
PFIZER INC COM 717081103 322 7,487 SH   SOLE   0 0 7,487
DISNEY WALT CO COM 254687106 10,526 62,223 SH   SOLE   3,459 0 58,764
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 388 4,905 SH   SOLE   500 0 4,405
AMERICAN TOWER CORP NEW COM 03027X100 717 2,700 SH   SOLE   0 0 2,700
DIGITAL RLTY TR INC COM 253868103 6,637 45,944 SH   SOLE   2,083 0 43,861
BECTON DICKINSON & CO COM 075887109 313 1,275 SH   SOLE   300 0 975
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 5,695 186,838 SH   SOLE   5,620 0 181,218
ABBOTT LABS COM 002824100 9,862 83,483 SH   SOLE   3,465 0 80,018
PEPSICO INC COM 713448108 6,198 41,210 SH   SOLE   2,348 0 38,862
DBX ETF TR XTRACK MSCI EAFE 233051200 207 5,494 SH   SOLE   0 0 5,494
NEXTERA ENERGY INC COM 65339F101 2,113 26,913 SH   SOLE   3,160 0 23,753
CVS HEALTH CORP COM 126650100 899 10,595 SH   SOLE   1,768 0 8,827
TRAVELERS COMPANIES INC COM 89417E109 209 1,376 SH   SOLE   185 0 1,191
UNION PAC CORP COM 907818108 1,878 9,579 SH   SOLE   283 0 9,296
HUNT J B TRANS SVCS INC COM 445658107 922 5,515 SH   SOLE   275 0 5,240
PRUDENTIAL FINL INC COM 744320102 469 4,458 SH   SOLE   0 0 4,458
PROGRESSIVE CORP COM 743315103 1,834 20,290 SH   SOLE   1,445 0 18,845
APPLE INC COM 037833100 22,668 160,199 SH   SOLE   6,464 0 153,735
AT&T INC COM 00206R102 645 23,884 SH   SOLE   432 0 23,452
ISHARES TR MSCI USA MIN VOL 46429B697 397 5,407 SH   SOLE   415 0 4,992
AMAZON COM INC COM 023135106 14,047 4,276 SH   SOLE   0 0 4,276
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 648 2,024 SH   SOLE   18 0 2,006
LOWES COS INC COM 548661107 771 3,800 SH   SOLE   2,300 0 1,500
ISHARES TR MSCI USA QLT FCT 46432F339 4,553 34,561 SH   SOLE   1,301 0 33,260
ORACLE CORP COM 68389X105 247 2,830 SH   SOLE   1,400 0 1,430
TEXAS INSTRS INC COM 882508104 219 1,140 SH   SOLE   0 0 1,140
COLGATE PALMOLIVE CO COM 194162103 694 9,189 SH   SOLE   6,600 0 2,589
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 9,848 98,383 SH   SOLE   4,475 0 93,908
DELTA AIR LINES INC DEL COM NEW 247361702 1,025 24,045 SH   SOLE   1,690 0 22,355
PROCTER AND GAMBLE CO COM 742718109 1,938 13,865 SH   SOLE   900 0 12,965
STRYKER CORPORATION COM 863667101 9,022 34,211 SH   SOLE   1,437 0 32,774
DUKE ENERGY CORP NEW COM NEW 26441C204 244 2,503 SH   SOLE   0 0 2,503
NIKE INC CL B 654106103 6,131 42,219 SH   SOLE   1,685 0 40,534
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 13,370 119,753 SH   SOLE   6,740 0 113,013
WALMART INC COM 931142103 205 1,469 SH   SOLE   0 0 1,469
V F CORP COM 918204108 611 9,128 SH   SOLE   188 0 8,940
DOMINOS PIZZA INC COM 25754A201 1,445 3,029 SH   SOLE   190 0 2,839
INFOSYS LTD SPONSORED ADR 456788108 914 41,086 SH   SOLE   787 0 40,299
INTEL CORP COM 458140100 293 5,501 SH   SOLE   2,075 0 3,426
COMCAST CORP NEW CL A 20030N101 957 17,105 SH   SOLE   645 0 16,460
GENERAL ELECTRIC CO COM NEW 369604301 271 2,634 SH   SOLE   0 0 2,634
ISHARES TR CORE S&P SCP ETF 464287804 4,346 39,798 SH   SOLE   510 0 39,288
JPMORGAN CHASE & CO COM 46625H100 11,871 72,524 SH   SOLE   4,157 0 68,367
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 19,275 185,591 SH   SOLE   7,089 0 178,502
CISCO SYS INC COM 17275R102 1,088 19,994 SH   SOLE   3,564 0 16,430
ANALOG DEVICES INC COM 032654105 5,501 32,844 SH   SOLE   1,366 0 31,478
CORNING INC COM 219350105 2,972 81,438 SH   SOLE   794 0 80,644
T-MOBILE US INC COM 872590104 7,023 54,970 SH   SOLE   1,672 0 53,298
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 26,966 442,351 SH   SOLE   16,351 0 426,000
EATON CORP PLC SHS G29183103 264 1,768 SH   SOLE   0 0 1,768
SYSCO CORP COM 871829107 1,581 20,143 SH   SOLE   225 0 19,918
BROADCOM INC COM 11135F101 12,360 25,489 SH   SOLE   839 0 24,650
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 364 1,332 SH   SOLE   0 0 1,332
PPL CORP COM 69351T106 580 20,789 SH   SOLE   339 0 20,450
PEOPLES BANCORP INC COM 709789101 306 9,693 SH   SOLE   0 0 9,693
WISDOMTREE TR US SMALLCAP DIVD 97717W604 672 21,802 SH   SOLE   430 0 21,372
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 250 1,500 SH   SOLE   700 0 800
VISA INC COM CL A 92826C839 11,196 50,264 SH   SOLE   1,808 0 48,456
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 16,107 416,191 SH   SOLE   15,130 0 401,061
CORE MOLDING TECHNOLOGIES IN COM 218683100 176 15,317 SH   SOLE   0 0 15,317
WAYFAIR INC CL A 94419L101 212 831 SH   SOLE   345 0 486
TJX COS INC NEW COM 872540109 8,823 133,718 SH   SOLE   4,835 0 128,883
FACEBOOK INC CL A 30303M102 12,798 37,709 SH   SOLE   1,395 0 36,314
LILLY ELI & CO COM 532457108 5,581 24,156 SH   SOLE   782 0 23,374
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,609 21,679 SH   SOLE   253 0 21,426
DNP SELECT INCOME FD INC COM 23325P104 114 10,675 SH   SOLE   0 0 10,675
VANGUARD INDEX FDS TOTAL STK MKT 922908769 7,145 32,174 SH   SOLE   271 0 31,903
TOTALENERGIES SE SPONSORED ADS 89151E109 1,901 39,654 SH   SOLE   1,778 0 37,876
CITIGROUP INC COM NEW 172967424 1,902 27,105 SH   SOLE   695 0 26,410
SALESFORCE COM INC COM 79466L302 12,538 46,229 SH   SOLE   2,038 0 44,191
HOME DEPOT INC COM 437076102 6,896 21,009 SH   SOLE   479 0 20,530
ALIGN TECHNOLOGY INC COM 016255101 916 1,377 SH   SOLE   185 0 1,192
ISHARES TR ESG AWR MSCI USA 46435G425 213 2,161 SH   SOLE   0 0 2,161
L3HARRIS TECHNOLOGIES INC COM 502431109 10,061 45,681 SH   SOLE   1,690 0 43,991
METLIFE INC COM 59156R108 735 11,911 SH   SOLE   179 0 11,732
COCA COLA CO COM 191216100 1,003 19,123 SH   SOLE   326 0 18,797
AMGEN INC COM 031162100 202 950 SH   SOLE   800 0 150
UNITEDHEALTH GROUP INC COM 91324P102 11,917 30,498 SH   SOLE   1,330 0 29,168
NVIDIA CORPORATION COM 67066G104 903 4,359 SH   SOLE   0 0 4,359
WASTE MGMT INC DEL COM 94106L109 5,205 34,852 SH   SOLE   710 0 34,142
LOCKHEED MARTIN CORP COM 539830109 205 593 SH   SOLE   0 0 593
AMERICAN ELEC PWR CO INC COM 025537101 2,770 34,118 SH   SOLE   680 0 33,438
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 36,045 437,386 SH   SOLE   17,162 0 420,224
RESTAURANT BRANDS INTL INC COM 76131D103 2,751 44,956 SH   SOLE   1,952 0 43,004
3M CO COM 88579Y101 779 4,440 SH   SOLE   68 0 4,372
MASCO CORP COM 574599106 499 8,975 SH   SOLE   0 0 8,975
RAYTHEON TECHNOLOGIES CORP COM 75513E101 884 10,287 SH   SOLE   0 0 10,287
STARBUCKS CORP COM 855244109 894 8,104 SH   SOLE   375 0 7,729
MERCK & CO INC COM 58933Y105 2,304 30,669 SH   SOLE   1,219 0 29,450
MICROSOFT CORP COM 594918104 19,343 68,610 SH   SOLE   2,845 0 65,765
ISHARES TR CORE S&P MCP ETF 464287507 3,682 13,995 SH   SOLE   615 0 13,380
PERKINELMER INC COM 714046109 307 1,774 SH   SOLE   0 0 1,774
ADOBE SYSTEMS INCORPORATED COM 00724F101 5,148 8,942 SH   SOLE   458 0 8,484
MFS MULTIMARKET INCOME TR SH BEN INT 552737108 88 13,420 SH   SOLE   0 0 13,420
MCDONALDS CORP COM 580135101 1,885 7,819 SH   SOLE   736 0 7,083
HEICO CORP NEW COM 422806109 314 2,382 SH   SOLE   0 0 2,382
ENBRIDGE INC COM 29250N105 256 6,436 SH   SOLE   0 0 6,436
ALPHABET INC CAP STK CL A 02079K305 297 111 SH   SOLE   0 0 111
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 23,953 474,595 SH   SOLE   21,457 0 453,138
APPLIED MATLS INC COM 038222105 5,423 42,125 SH   SOLE   4,880 0 37,245
PHILLIPS 66 COM 718546104 3,959 56,528 SH   SOLE   2,555 0 53,973
UNILEVER PLC SPON ADR NEW 904767704 577 10,633 SH   SOLE   202 0 10,431
ISHARES TR MSCI EAFE ETF 464287465 257 3,300 SH   SOLE   0 0 3,300
SPDR SER TR PORTFOLIO SHORT 78464A474 39,440 1,262,086 SH   SOLE   40,775 0 1,221,311
ROYAL CARIBBEAN GROUP COM V7780T103 1,205 13,544 SH   SOLE   742 0 12,802
VMWARE INC CL A COM 928563402 2,742 18,443 SH   SOLE   886 0 17,557
ALPHABET INC CAP STK CL C 02079K107 16,325 6,125 SH   SOLE   271 0 5,854
HONEYWELL INTL INC COM 438516106 9,434 44,441 SH   SOLE   2,514 0 41,927
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 711 14,218 SH   SOLE   2,487 0 11,731
ASTRAZENECA PLC SPONSORED ADR 046353108 11,324 188,538 SH   SOLE   6,402 0 182,136
ISHARES TR CORE S&P500 ETF 464287200 452 1,049 SH   SOLE   0 0 1,049
UNITED PARCEL SERVICE INC CL B 911312106 279 1,530 SH   SOLE   0 0 1,530
MEDTRONIC PLC SHS G5960L103 2,502 19,963 SH   SOLE   361 0 19,602
INTUIT COM 461202103 216 400 SH   SOLE   0 0 400
BLACKROCK INC COM 09247X101 9,705 11,572 SH   SOLE   683 0 10,889
EVEREST RE GROUP LTD COM G3223R108 2,691 10,730 SH   SOLE   0 0 10,730
PAYPAL HLDGS INC COM 70450Y103 10,368 39,845 SH   SOLE   1,508 0 38,337
AES CORP COM 00130H105 1,502 65,803 SH   SOLE   0 0 65,803
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 22,172 289,222 SH   SOLE   13,437 0 275,785
JOHNSON & JOHNSON COM 478160104 1,223 7,574 SH   SOLE   1,102 0 6,472
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 2,489 49,645 SH   SOLE   3,850 0 45,795
DOLLAR GEN CORP NEW COM 256677105 9,793 46,163 SH   SOLE   1,702 0 44,461