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 791 4,454 SH   SOLE   73 0 4,381
ABBOTT LABS COM 002824100 11,893 84,503 SH   SOLE   3,466 0 81,037
ABBVIE INC COM 00287Y109 247 1,823 SH   SOLE   400 0 1,423
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 823 1,986 SH   SOLE   18 0 1,968
ADOBE SYSTEMS INCORPORATED COM 00724F101 5,037 8,882 SH   SOLE   451 0 8,431
AES CORP COM 00130H105 2,085 85,804 SH   SOLE   0 0 85,804
ALIGN TECHNOLOGY INC COM 016255101 832 1,266 SH   SOLE   150 0 1,116
ALPHABET INC CAP STK CL C 02079K107 17,825 6,160 SH   SOLE   270 0 5,890
ALPHABET INC CAP STK CL A 02079K305 380 131 SH   SOLE   0 0 131
AMAZON COM INC COM 023135106 14,758 4,426 SH   SOLE   0 0 4,426
AMERICAN ELEC PWR CO INC COM 025537101 2,895 32,538 SH   SOLE   680 0 31,858
AMERICAN TOWER CORP NEW COM 03027X100 790 2,700 SH   SOLE   0 0 2,700
AMGEN INC COM 031162100 214 950 SH   SOLE   800 0 150
ANALOG DEVICES INC COM 032654105 5,357 30,477 SH   SOLE   1,379 0 29,098
APPLE INC COM 037833100 27,537 155,079 SH   SOLE   6,421 0 148,658
APPLIED MATLS INC COM 038222105 6,356 40,391 SH   SOLE   4,880 0 35,511
ASTRAZENECA PLC SPONSORED ADR 046353108 11,222 192,644 SH   SOLE   6,424 0 186,220
AT&T INC COM 00206R102 552 22,425 SH   SOLE   512 0 21,913
BECTON DICKINSON & CO COM 075887109 302 1,201 SH   SOLE   300 0 901
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 398 1,332 SH   SOLE   0 0 1,332
BLACKROCK INC COM 09247X101 10,265 11,212 SH   SOLE   663 0 10,549
BROADCOM INC COM 11135F101 16,342 24,559 SH   SOLE   839 0 23,720
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 274 1,500 SH   SOLE   700 0 800
CISCO SYS INC COM 17275R102 1,230 19,409 SH   SOLE   3,579 0 15,830
CITIGROUP INC COM NEW 172967424 1,529 25,312 SH   SOLE   614 0 24,698
COCA COLA CO COM 191216100 1,151 19,437 SH   SOLE   342 0 19,095
COLGATE PALMOLIVE CO COM 194162103 783 9,176 SH   SOLE   6,600 0 2,576
COMCAST CORP NEW CL A 20030N101 826 16,414 SH   SOLE   676 0 15,738
CORE MOLDING TECHNOLOGIES IN COM 218683100 130 15,317 SH   SOLE   0 0 15,317
CORNING INC COM 219350105 4,680 125,708 SH   SOLE   1,076 0 124,632
CVS HEALTH CORP COM 126650100 1,073 10,401 SH   SOLE   1,777 0 8,624
DBX ETF TR XTRACK MSCI EAFE 233051200 213 5,419 SH   SOLE   0 0 5,419
DELTA AIR LINES INC DEL COM NEW 247361702 657 16,810 SH   SOLE   1,690 0 15,120
DIGITAL RLTY TR INC COM 253868103 7,750 43,817 SH   SOLE   2,091 0 41,726
DISNEY WALT CO COM 254687106 10,119 65,330 SH   SOLE   3,450 0 61,880
DNP SELECT INCOME FD INC COM 23325P104 116 10,675 SH   SOLE   0 0 10,675
DOLLAR GEN CORP NEW COM 256677105 11,141 47,241 SH   SOLE   1,713 0 45,528
DOMINOS PIZZA INC COM 25754A201 1,618 2,868 SH   SOLE   167 0 2,701
DUKE ENERGY CORP NEW COM NEW 26441C204 263 2,503 SH   SOLE   0 0 2,503
EATON CORP PLC SHS G29183103 288 1,668 SH   SOLE   0 0 1,668
ENBRIDGE INC COM 29250N105 262 6,699 SH   SOLE   0 0 6,699
EVEREST RE GROUP LTD COM G3223R108 4,329 15,805 SH   SOLE   0 0 15,805
FACTSET RESH SYS INC COM 303075105 226 465 SH   SOLE   375 0 90
GENERAL ELECTRIC CO COM NEW 369604301 212 2,244 SH   SOLE   0 0 2,244
HEICO CORP NEW COM 422806109 344 2,382 SH   SOLE   0 0 2,382
HOME DEPOT INC COM 437076102 7,867 18,956 SH   SOLE   479 0 18,477
HONEYWELL INTL INC COM 438516106 9,478 45,455 SH   SOLE   2,525 0 42,930
HUNT J B TRANS SVCS INC COM 445658107 1,030 5,038 SH   SOLE   0 0 5,038
INFOSYS LTD SPONSORED ADR 456788108 1,017 40,172 SH   SOLE   787 0 39,385
INTEL CORP COM 458140100 281 5,461 SH   SOLE   2,075 0 3,386
INTUIT COM 461202103 257 400 SH   SOLE   0 0 400
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 19,562 388,906 SH   SOLE   19,839 0 369,067
ISHARES TR MSCI USA MIN VOL 46429B697 420 5,196 SH   SOLE   415 0 4,781
ISHARES TR MSCI USA QLT FCT 46432F339 4,897 33,640 SH   SOLE   1,328 0 32,312
ISHARES TR ESG AWR MSCI USA 46435G425 232 2,148 SH   SOLE   0 0 2,148
ISHARES TR CORE S&P MCP ETF 464287507 3,890 13,740 SH   SOLE   615 0 13,125
ISHARES TR CORE S&P SCP ETF 464287804 4,572 39,928 SH   SOLE   510 0 39,418
ISHARES TR CORE S&P500 ETF 464287200 446 935 SH   SOLE   0 0 935
ISHARES TR MSCI EAFE ETF 464287465 260 3,300 SH   SOLE   0 0 3,300
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 2,246 44,957 SH   SOLE   3,517 0 41,440
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 1,448 28,355 SH   SOLE   0 0 28,355
JOHNSON & JOHNSON COM 478160104 1,300 7,601 SH   SOLE   1,108 0 6,493
JPMORGAN CHASE & CO COM 46625H100 11,549 72,932 SH   SOLE   4,163 0 68,769
L3HARRIS TECHNOLOGIES INC COM 502431109 9,525 44,668 SH   SOLE   1,692 0 42,976
LILLY ELI & CO COM 532457108 6,286 22,758 SH   SOLE   757 0 22,001
LOCKHEED MARTIN CORP COM 539830109 211 593 SH   SOLE   0 0 593
LOWES COS INC COM 548661107 982 3,800 SH   SOLE   2,300 0 1,500
MASCO CORP COM 574599106 551 7,850 SH   SOLE   0 0 7,850
MCDONALDS CORP COM 580135101 2,100 7,835 SH   SOLE   728 0 7,107
MEDTRONIC PLC SHS G5960L103 2,328 22,503 SH   SOLE   372 0 22,131
MERCK & CO INC COM 58933Y105 2,287 29,841 SH   SOLE   1,219 0 28,622
META PLATFORMS INC CL A 30303M102 12,815 38,099 SH   SOLE   1,402 0 36,697
METLIFE INC COM 59156R108 724 11,582 SH   SOLE   199 0 11,383
MFS MULTIMARKET INCOME TR SH BEN INT 552737108 86 13,420 SH   SOLE   0 0 13,420
MICROSOFT CORP COM 594918104 22,447 66,742 SH   SOLE   2,828 0 63,914
NEXTERA ENERGY INC COM 65339F101 2,344 25,111 SH   SOLE   3,100 0 22,011
NIKE INC CL B 654106103 6,608 39,645 SH   SOLE   1,585 0 38,060
NVIDIA CORPORATION COM 67066G104 1,306 4,439 SH   SOLE   0 0 4,439
ORACLE CORP COM 68389X105 236 2,710 SH   SOLE   1,400 0 1,310
PAYPAL HLDGS INC COM 70450Y103 8,390 44,488 SH   SOLE   1,538 0 42,950
PEOPLES BANCORP INC COM 709789101 308 9,693 SH   SOLE   0 0 9,693
PEPSICO INC COM 713448108 6,489 37,354 SH   SOLE   2,117 0 35,237
PERKINELMER INC COM 714046109 357 1,774 SH   SOLE   0 0 1,774
PFIZER INC COM 717081103 436 7,387 SH   SOLE   0 0 7,387
PHILLIPS 66 COM 718546104 4,097 56,542 SH   SOLE   2,527 0 54,015
PPL CORP COM 69351T106 590 19,625 SH   SOLE   379 0 19,246
PROCTER AND GAMBLE CO COM 742718109 2,263 13,836 SH   SOLE   900 0 12,936
PROGRESSIVE CORP COM 743315103 1,908 18,587 SH   SOLE   1,445 0 17,142
PRUDENTIAL FINL INC COM 744320102 438 4,051 SH   SOLE   0 0 4,051
RESTAURANT BRANDS INTL INC COM 76131D103 4,058 66,876 SH   SOLE   2,120 0 64,756
ROYAL CARIBBEAN GROUP COM V7780T103 826 10,741 SH   SOLE   692 0 10,049
SALESFORCE COM INC COM 79466L302 11,286 44,411 SH   SOLE   2,039 0 42,372
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 24,087 299,474 SH   SOLE   13,437 0 286,037
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,685 20,850 SH   SOLE   193 0 20,657
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 10,759 105,070 SH   SOLE   4,414 0 100,656
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 5,577 188,284 SH   SOLE   5,620 0 182,664
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 20,710 183,254 SH   SOLE   7,421 0 175,833
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 16,012 411,933 SH   SOLE   14,915 0 397,018
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 526 5,805 SH   SOLE   0 0 5,805
SPDR SER TR PORTFOLIO SHORT 78464A474 37,662 1,216,082 SH   SOLE   41,393 0 1,174,689
STARBUCKS CORP COM 855244109 919 7,854 SH   SOLE   375 0 7,479
STRYKER CORPORATION COM 863667101 9,252 34,597 SH   SOLE   1,453 0 33,144
SYSCO CORP COM 871829107 3,851 49,026 SH   SOLE   1,405 0 47,621
T-MOBILE US INC COM 872590104 6,632 57,182 SH   SOLE   1,732 0 55,450
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 14,531 120,779 SH   SOLE   6,715 0 114,064
TJX COS INC NEW COM 872540109 10,232 134,775 SH   SOLE   4,851 0 129,924
TOTALENERGIES SE SPONSORED ADS 89151E109 2,022 40,872 SH   SOLE   0 0 40,872
UNILEVER PLC SPON ADR NEW 904767704 554 10,294 SH   SOLE   219 0 10,075
UNION PAC CORP COM 907818108 3,189 12,660 SH   SOLE   483 0 12,177
UNITED PARCEL SERVICE INC CL B 911312106 249 1,162 SH   SOLE   0 0 1,162
UNITEDHEALTH GROUP INC COM 91324P102 15,313 30,496 SH   SOLE   1,331 0 29,165
V F CORP COM 918204108 639 8,730 SH   SOLE   188 0 8,542
VANGUARD INDEX FDS TOTAL STK MKT 922908769 7,698 31,884 SH   SOLE   156 0 31,728
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 694 14,041 SH   SOLE   2,487 0 11,554
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 28,080 458,229 SH   SOLE   16,389 0 441,840
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 35,521 437,126 SH   SOLE   17,112 0 420,014
VISA INC COM CL A 92826C839 11,340 52,328 SH   SOLE   1,808 0 50,520
VMWARE INC CL A COM 928563402 2,016 17,397 SH   SOLE   886 0 16,511
WALMART INC COM 931142103 213 1,475 SH   SOLE   0 0 1,475
WASTE MGMT INC DEL COM 94106L109 5,345 32,026 SH   SOLE   660 0 31,366
WAYFAIR INC CL A 94419L101 208 1,094 SH   SOLE   345 0 749
WISDOMTREE TR US SMALLCAP DIVD 97717W604 714 21,717 SH   SOLE   447 0 21,270