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
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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
AMAZON COM INC COM Stock 023135106 534 160 SH   SOLE   160 0 0
ISHARES NORTH AMERICAN NATURAL RESOURCES ETF ETF 464287374 8,888 282,351 SH   SOLE   282,350 0 0
INVESCO QQQ TRUST ETF 46090E103 212 532 SH   SOLE   532 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803 551 3,167 SH   SOLE   3,167 0 0
STARBUCKS CORP COM Stock 855244109 319 2,731 SH   SOLE   2,730 0 0
ISHARES MSCI CANADA ETF ETF 464286509 1,470 38,255 SH   SOLE   38,255 0 0
ELEVANCE HEALTH INC COM Stock 036752103 276 596 SH   SOLE   595 0 0
TEMPLETON EMERGING MKTS FD COM CEF 880191101 2,213 137,955 SH   SOLE   137,954 0 0
WILLIS TOWERS WATSON PLC LTD SHS Stock G96629103 403 1,698 SH   SOLE   1,698 0 0
JOHNSON & JOHNSON COM Stock 478160104 539 3,149 SH   SOLE   3,149 0 0
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 1,339 5,545 SH   SOLE   5,544 0 0
VANGUARD ENERGY INDEX FUND ETF 92204A306 2,275 29,312 SH   SOLE   29,311 0 0
INVESCO WILDERHILL CLEAN ENERGY ETF ETF 46137V134 3,235 45,300 SH   SOLE   45,299 0 0
COSTCO WHSL CORP NEW COM Stock 22160K105 957 1,685 SH   SOLE   1,684 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 2,033 41,620 SH   SOLE   41,620 0 0
YUM BRANDS INC COM Stock 988498101 347 2,499 SH   SOLE   2,499 0 0
OLD DOMINION FREIGHT LINE INC COM Stock 679580100 392 1,095 SH   SOLE   1,094 0 0
ISHARES LATIN AMERICA 40 ETF ETF 464287390 679 28,955 SH   SOLE   28,954 0 0
ISHARES GLOBAL COMM SERVICES ETF ETF 464287275 592 7,202 SH   SOLE   7,202 0 0
ISHARES U.S. INDUSTRIALS ETF ETF 464287754 248 2,200 SH   SOLE   2,199 0 0
PROCTER AND GAMBLE CO COM Stock 742718109 411 2,511 SH   SOLE   2,511 0 0
COCA COLA CO COM Stock 191216100 262 4,424 SH   SOLE   4,423 0 0
ISHARES U.S. HEALTHCARE ETF ETF 464287762 243 807 SH   SOLE   807 0 0
NUVEEN CR STRATEGIES INCOME FD COM SHS CEF 67073D102 284 43,746 SH   SOLE   43,745 0 0
ISHARES U.S. ENERGY ETF ETF 464287796 508 16,891 SH   SOLE   16,891 0 0
MARRIOTT INTL INC NEW CL A Stock 571903202 428 2,591 SH   SOLE   2,590 0 0
VANGUARD REAL ESTATE ETF ETF 922908553 6,844 58,991 SH   SOLE   58,990 0 0
ISHARES MSCI UNITED KINGDOM ETF ETF 46435G334 656 19,805 SH   SOLE   19,804 0 0
MERCK & CO INC COM Stock 58933Y105 777 10,143 SH   SOLE   10,142 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158 385 3,585 SH   SOLE   3,585 0 0
SPDR S&P 500 ETF ETF 78462F103 674 1,418 SH   SOLE   1,418 0 0
MCKESSON CORP COM Stock 58155Q103 287 1,155 SH   SOLE   1,154 0 0
THE TRADE DESK INC COM CL A Stock 88339J105 259 2,826 SH   SOLE   2,826 0 0
ISHARES MSCI JAPAN ETF ETF 46434G822 253 3,776 SH   SOLE   3,776 0 0
ISHARES TIPS BOND ETF ETF 464287176 10,342 80,045 SH   SOLE   80,045 0 0
ISHARES S&P/CITIGROUP 1-3 YEAR INTERNATIONAL TREASURY BOND FUND ETF 464288125 1,174 15,020 SH   SOLE   15,019 0 0
ISHARES U.S. HOME CONSTRUCTION ETF ETF 464288752 1,083 13,067 SH   SOLE   13,066 0 0
ISHARES GLOBAL HEALTHCARE ETF ETF 464287325 1,633 18,074 SH   SOLE   18,073 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP INDEX FUND ETF 922042718 3,651 27,252 SH   SOLE   27,251 0 0
ISHARES COHEN & STEERS REIT ETF ETF 464287564 2,848 37,429 SH   SOLE   37,428 0 0
FEDEX CORP COM Stock 31428X106 255 985 SH   SOLE   984 0 0
PULTE GROUP INC COM Stock 745867101 253 4,418 SH   SOLE   4,418 0 0
PEPSICO INC COM Stock 713448108 464 2,670 SH   SOLE   2,669 0 0
ISHARES S&P/CITIGROUP INTERNATIONAL TREASURY BOND FUND EX-US ETF 464288117 6,279 124,851 SH   SOLE   124,851 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF ETF 464287457 2,473 28,916 SH   SOLE   28,915 0 0
HOME DEPOT INC COM Stock 437076102 574 1,383 SH   SOLE   1,383 0 0
AUTOMATIC DATA PROCESSING INC COM Stock 053015103 412 1,669 SH   SOLE   1,669 0 0
ISHARES RUSSELL 2000 VALUE ETF ETF 464287630 1,505 9,066 SH   SOLE   9,065 0 0
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 579 4,113 SH   SOLE   4,113 0 0
BECTON DICKINSON & CO COM Stock 075887109 366 1,456 SH   SOLE   1,456 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 3,738 36,503 SH   SOLE   36,503 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 405 1,326 SH   SOLE   1,326 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 7,881 69,736 SH   SOLE   69,735 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 277 7,126 SH   SOLE   7,126 0 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 476 6,171 SH   SOLE   6,171 0 0
ISHARES S&P SMALL-CAP FUND ETF 464287804 3,554 31,036 SH   SOLE   31,036 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 805 32,613 SH   SOLE   32,613 0 0
ALPHABET INC CAP STK CL A Stock 02079K305 866 299 SH   SOLE   299 0 0
ISHARES MSCI PACIFIC EX JAPAN ETF ETF 464286665 324 6,775 SH   SOLE   6,775 0 0
INTUIT COM Stock 461202103 468 728 SH   SOLE   727 0 0
MICROSOFT CORP COM Stock 594918104 1,040 3,093 SH   SOLE   3,092 0 0
CVS HEALTH CORP COM Stock 126650100 262 2,544 SH   SOLE   2,543 0 0
ISHARES EUROPE ETF ETF 464287861 3,278 60,259 SH   SOLE   60,259 0 0
ISHARES MSCI BRAZIL ETF ETF 464286400 570 20,291 SH   SOLE   20,290 0 0
ROYCE MICRO-CAP TR INC COM CEF 780915104 2,809 243,169 SH   SOLE   243,169 0 0
BOEING CO COM Stock 097023105 540 2,682 SH   SOLE   2,681 0 0
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 1,277 5,431 SH   SOLE   5,430 0 0
VANGUARD MID-CAP INDEX FUND ETF 922908629 671 2,633 SH   SOLE   2,633 0 0
VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 267 1,003 SH   SOLE   1,002 0 0
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 274 7,012 SH   SOLE   7,011 0 0
NORFOLK SOUTHN CORP COM Stock 655844108 224 754 SH   SOLE   753 0 0
TEMPLETON GLOBAL INCOME FD COM CEF 880198106 3,167 610,142 SH   SOLE   610,142 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874 302 4,430 SH   SOLE   4,429 0 0
BLACKROCK CORE BD TR SHS BEN INT CEF 09249E101 2,119 128,333 SH   SOLE   128,332 0 0
VANGUARD COMMUNICATION SERVICES ETF ETF 92204A884 215 1,584 SH   SOLE   1,584 0 0
ISHARES U.S. REGIONAL BANKS ETF ETF 464288778 1,183 19,149 SH   SOLE   19,149 0 0
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 10,758 101,608 SH   SOLE   101,607 0 0
VANECK GOLD MINERS ETF ETF 92189F106 290 9,040 SH   SOLE   9,040 0 0
LILLY ELI & CO COM Stock 532457108 277 1,004 SH   SOLE   1,003 0 0
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 255 4,006 SH   SOLE   4,005 0 0
VANGUARD S&P 500 VALUE ETF ETF 921932703 4,358 28,786 SH   SOLE   28,785 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655 1,285 5,777 SH   SOLE   5,777 0 0
MICRON TECHNOLOGY INC COM Stock 595112103 343 3,677 SH   SOLE   3,677 0 0
MARATHON PETE CORP COM Stock 56585A102 209 3,269 SH   SOLE   3,268 0 0
VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 1,375 7,690 SH   SOLE   7,689 0 0
VANECK INVESTMENT GRADE FLOATING RATE ETF ETF 92189F486 6,302 249,406 SH   SOLE   249,405 0 0
ISHARES MSCI EAFE VALUE ETF ETF 464288877 446 8,857 SH   SOLE   8,857 0 0
VANGUARD MID-CAP GROWTH INDEX FUND ETF 922908538 259 1,018 SH   SOLE   1,017 0 0
ISHARES GLOBAL 100 ETF ETF 464287572 297 3,811 SH   SOLE   3,811 0 0
NEOGEN CORP COM Stock 640491106 309 6,812 SH   SOLE   6,812 0 0
VISA INC COM CL A Stock 92826C839 275 1,269 SH   SOLE   1,268 0 0
INVESCO SOLAR ETF ETF 46138G706 376 4,891 SH   SOLE   4,890 0 0
PIMCO ACTIVE BOND EXCHANGE-TRADED FUND ETF 72201R775 1,674 15,301 SH   SOLE   15,301 0 0
VANGUARD SMALL-CAP GROWTH INDEX FUND ETF 922908595 945 3,354 SH   SOLE   3,353 0 0
ISHARES U.S. TREASURY BOND ETF ETF 46429B267 930 34,858 SH   SOLE   34,857 0 0
ISHARES MICRO-CAP ETF ETF 464288869 1,862 13,323 SH   SOLE   13,323 0 0
FLAHERTY & CRUMRINE PFD SECS I COM CEF 338478100 1,537 70,785 SH   SOLE   70,785 0 0
ISHARES MSCI GLOBAL METALS & MINING PRODUCERS ETF ETF 46434G848 1,427 33,477 SH   SOLE   33,477 0 0
ISHARES MSCI GLOBAL GOLD MINERS ETF ETF 46434G855 1,074 39,833 SH   SOLE   39,833 0 0
ASML HOLDING N V N Y REGISTRY SHS ADR N07059210 209 263 SH   SOLE   263 0 0
VANGUARD RUSSELL 3000 ETF ETF 92206C599 7,857 36,424 SH   SOLE   36,424 0 0
D R HORTON INC COM Stock 23331A109 237 2,185 SH   SOLE   2,185 0 0
MARTIN MARIETTA MATLS INC COM Stock 573284106 275 625 SH   SOLE   625 0 0
ISHARES GLOBAL UTILITIES ETF ETF 464288711 396 6,120 SH   SOLE   6,119 0 0
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101 429 1,034 SH   SOLE   1,034 0 0
NVIDIA CORPORATION COM Stock 67066G104 2,213 7,524 SH   SOLE   7,523 0 0
SANDY SPRING BANCORP INC COM Stock 800363103 343 7,140 SH   SOLE   7,140 0 0
ABBVIE INC COM Stock 00287Y109 609 4,501 SH   SOLE   4,501 0 0
SPDR S&P METALS AND MINING ETF ETF 78464A755 1,141 25,490 SH   SOLE   25,490 0 0
VANGUARD TOTAL BOND MARKET INDEX FUND ETF 921937835 24,857 293,302 SH   SOLE   293,302 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF 464287648 376 1,284 SH   SOLE   1,283 0 0
ISHARES GLOBAL FINANCIALS ETF ETF 464287333 450 5,621 SH   SOLE   5,620 0 0
MCDONALDS CORP COM Stock 580135101 294 1,096 SH   SOLE   1,095 0 0
CISCO SYS INC COM Stock 17275R102 505 7,965 SH   SOLE   7,965 0 0
XILINX INC COM Stock 983919101 360 1,697 SH   SOLE   1,697 0 0
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506 1,498 26,985 SH   SOLE   26,984 0 0
MATERIALS SELECT SECTOR SPDR FUND ETF 81369Y100 255 2,812 SH   SOLE   2,811 0 0
ISHARES U.S. CONSUMER STAPLES ETF ETF 464287812 406 2,031 SH   SOLE   2,030 0 0
ISHARES BIOTECHNOLOGY FUND ETF 464287556 1,662 10,887 SH   SOLE   10,887 0 0
ISHARES U.S. TELECOMMUNICATIONS ETF ETF 464287713 613 18,638 SH   SOLE   18,638 0 0
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887 2,067 14,892 SH   SOLE   14,891 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407 1,093 5,348 SH   SOLE   5,348 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704 358 3,387 SH   SOLE   3,387 0 0
ISHARES U.S. FINANCIAL SERVICES ETF ETF 464287770 2,604 13,484 SH   SOLE   13,484 0 0
ISHARES U.S. BASIC MATERIALS ETF ETF 464287838 376 2,683 SH   SOLE   2,682 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408 1,580 10,086 SH   SOLE   10,085 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 4,692 56,081 SH   SOLE   56,080 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 13,517 28,337 SH   SOLE   28,337 0 0
CIGNA CORP NEW COM Stock 125523100 301 1,311 SH   SOLE   1,311 0 0
WELLS FARGO CO NEW COM Stock 949746101 318 6,619 SH   SOLE   6,619 0 0
UNION PAC CORP COM Stock 907818108 423 1,678 SH   SOLE   1,677 0 0
NORTHROP GRUMMAN CORP COM Stock 666807102 240 621 SH   SOLE   620 0 0
JPMORGAN CHASE & CO COM Stock 46625H100 551 3,479 SH   SOLE   3,479 0 0
CHEVRON CORP NEW COM Stock 166764100 248 2,111 SH   SOLE   2,111 0 0
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 200 1,720 SH   SOLE   1,720 0 0
CONOCOPHILLIPS COM Stock 20825C104 340 4,711 SH   SOLE   4,711 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 27,615 540,834 SH   SOLE   540,833 0 0
DANAHER CORPORATION COM Stock 235851102 204 619 SH   SOLE   619 0 0
BK OF AMERICA CORP COM Stock 060505104 240 5,384 SH   SOLE   5,383 0 0
RAYTHEON TECHNOLOGIES CORP COM Stock 75513E101 283 3,287 SH   SOLE   3,287 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 3,767 76,154 SH   SOLE   76,153 0 0
TEXAS INSTRS INC COM Stock 882508104 216 1,148 SH   SOLE   1,147 0 0
PFIZER INC COM Stock 717081103 230 3,888 SH   SOLE   3,887 0 0
3M CO COM Stock 88579Y101 567 3,190 SH   SOLE   3,190 0 0
ALPHABET INC CAP STK CL C Stock 02079K107 510 176 SH   SOLE   176 0 0
APPLIED MATLS INC COM Stock 038222105 294 1,871 SH   SOLE   1,871 0 0
ISHARES CORE S&P U.S. GROWTH ETF ETF 464287671 1,545 13,357 SH   SOLE   13,356 0 0
ISHARES MSCI EAFE SMALL-CAP ETF ETF 464288273 1,437 19,655 SH   SOLE   19,655 0 0
ABRDN ASIA PACIFIC INCOME FUND COM CEF 003009107 1,440 377,026 SH   SOLE   377,026 0 0
ISHARES 7-10 YEAR TREASURY BOND ETF ETF 464287440 2,475 21,519 SH   SOLE   21,518 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 6,834 59,903 SH   SOLE   59,903 0 0
ISHARES 20 YEAR TREASURY BOND ETF ETF 464287432 1,198 8,087 SH   SOLE   8,086 0 0
ISHARES EXPANDED TECH SECTOR ETF ETF 464287549 1,265 2,881 SH   SOLE   2,880 0 0
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879 6,907 66,102 SH   SOLE   66,101 0 0
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606 1,189 13,944 SH   SOLE   13,943 0 0
ISHARES S&P MID-CAP 400 VALUE ETF ETF 464287705 2,419 21,858 SH   SOLE   21,858 0 0
LAM RESEARCH CORP COM Stock 512807108 817 1,136 SH   SOLE   1,135 0 0
ISHARES FTSE EPRA/NAREIT DEVELOPED REAL ESTATE EX-US INDEX FUND ETF 464288489 2,400 84,220 SH   SOLE   84,220 0 0
PNC FINL SVCS GROUP INC COM Stock 693475105 341 1,699 SH   SOLE   1,699 0 0
GRAHAM HLDGS CO COM CL B Stock 384637104 274 435 SH   SOLE   435 0 0
ISHARES JPX-NIKKEI 400 ETF ETF 464287382 602 8,523 SH   SOLE   8,523 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689 62,628 225,685 SH   SOLE   225,684 0 0
ISHARES GLOBAL ENERGY ETF ETF 464287341 3,151 114,545 SH   SOLE   114,545 0 0
SPDR DOUBLELINE TOTAL RETURN TACTICAL ETF ETF 78467V848 6,740 142,380 SH   SOLE   142,380 0 0
EXXON MOBIL CORP COM Stock 30231G102 242 3,952 SH   SOLE   3,951 0 0
UNITEDHEALTH GROUP INC COM Stock 91324P102 332 662 SH   SOLE   661 0 0
LOWES COS INC COM Stock 548661107 430 1,662 SH   SOLE   1,662 0 0
SPDR FTSE INTERNATIONAL GOVERNMENT INFLATION-PROTECTED BOND ETF ETF 78464A490 4,871 90,517 SH   SOLE   90,517 0 0
ISHARES MSCI AUSTRALIA ETF ETF 464286103 384 15,462 SH   SOLE   15,462 0 0
ISHARES U.S. PHARMACEUTICALS ETF ETF 464288836 952 4,769 SH   SOLE   4,768 0 0
ISHARES U.S. UTILITIES ETF ETF 464287697 1,976 22,342 SH   SOLE   22,342 0 0
CABLE ONE INC COM Stock 12685J105 723 410 SH   SOLE   410 0 0
CBRE GROUP INC CL A Stock 12504L109 220 2,025 SH   SOLE   2,025 0 0
ISHARES S&P MIDCAP FUND ETF 464287507 1,734 6,125 SH   SOLE   6,124 0 0
ISHARES MSCI EAFE ETF ETF 464287465 4,313 54,823 SH   SOLE   54,822 0 0
APPLE INC COM Stock 037833100 6,599 775,128 SH   SOLE   775,127 0 0
ABBOTT LABS COM Stock 002824100 516 3,663 SH   SOLE   3,662 0 0
DISNEY WALT CO COM Stock 254687106 427 2,756 SH   SOLE   2,755 0 0
VANGUARD TOTAL WORLD STOCK INDEX FUND ETF 922042742 674 6,276 SH   SOLE   6,275 0 0
ISHARES RUSSELL 1000 ETF ETF 464287622 3,193 12,075 SH   SOLE   12,075 0 0