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
AMAZON COM INC COM Stock 023135106 1,170 359 SH   SOLE   359 0 0
ISHARES NORTH AMERICAN NATURAL RESOURCES ETF ETF 464287374 11,105 274,547 SH   SOLE   274,547 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803 540 3,398 SH   SOLE   3,398 0 0
STARBUCKS CORP COM Stock 855244109 250 2,743 SH   SOLE   2,743 0 0
ISHARES MSCI CANADA ETF ETF 464286509 1,516 37,704 SH   SOLE   37,703 0 0
ELEVANCE HEALTH INC COM Stock 036752103 293 597 SH   SOLE   596 0 0
TEMPLETON EMERGING MKTS FD COM CEF 880191101 2,341 170,271 SH   SOLE   170,270 0 0
WILLIS TOWERS WATSON PLC LTD SHS Stock G96629103 401 1,698 SH   SOLE   1,698 0 0
JOHNSON & JOHNSON COM Stock 478160104 562 3,168 SH   SOLE   3,168 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769 1,266 5,562 SH   SOLE   5,561 0 0
VANGUARD ENERGY ETF ETF 92204A306 2,939 27,460 SH   SOLE   27,460 0 0
INVESCO WILDERHILL CLEAN ENERGY ETF ETF 46137V134 3,298 50,636 SH   SOLE   50,636 0 0
COSTCO WHSL CORP NEW COM Stock 22160K105 977 1,697 SH   SOLE   1,697 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 1,880 41,637 SH   SOLE   41,637 0 0
YUM BRANDS INC COM Stock 988498101 296 2,500 SH   SOLE   2,500 0 0
OLD DOMINION FREIGHT LINE INC COM Stock 679580100 327 1,096 SH   SOLE   1,095 0 0
ISHARES LATIN AMERICA 40 ETF ETF 464287390 880 28,955 SH   SOLE   28,954 0 0
ISHARES GLOBAL COMM SERVICES ETF ETF 464287275 512 6,921 SH   SOLE   6,921 0 0
ISHARES U.S. INDUSTRIALS ETF ETF 464287754 232 2,205 SH   SOLE   2,204 0 0
PROCTER AND GAMBLE CO COM Stock 742718109 385 2,521 SH   SOLE   2,520 0 0
COCA COLA CO COM Stock 191216100 274 4,424 SH   SOLE   4,423 0 0
ISHARES U.S. HEALTHCARE ETF ETF 464287762 234 809 SH   SOLE   809 0 0
NUVEEN CR STRATEGIES INCOME FD COM SHS CEF 67073D102 275 44,442 SH   SOLE   44,442 0 0
ISHARES U.S. ENERGY ETF ETF 464287796 631 15,427 SH   SOLE   15,426 0 0
MARRIOTT INTL INC NEW CL A Stock 571903202 455 2,591 SH   SOLE   2,590 0 0
VANGUARD REAL ESTATE ETF ETF 922908553 6,367 58,755 SH   SOLE   58,754 0 0
ISHARES MSCI UNITED KINGDOM ETF ETF 46435G334 666 19,805 SH   SOLE   19,804 0 0
MERCK & CO INC COM Stock 58933Y105 833 10,157 SH   SOLE   10,156 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158 375 3,588 SH   SOLE   3,588 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103 642 1,421 SH   SOLE   1,421 0 0
MCKESSON CORP COM Stock 58155Q103 354 1,156 SH   SOLE   1,156 0 0
ISHARES TIPS BOND ETF ETF 464287176 10,325 82,883 SH   SOLE   82,882 0 0
ISHARES 1-3 YEAR INTERNATIONAL TREASURY BOND ETF ETF 464288125 1,132 15,020 SH   SOLE   15,019 0 0
ISHARES U.S. HOME CONSTRUCTION ETF ETF 464288752 840 14,181 SH   SOLE   14,181 0 0
ISHARES GLOBAL HEALTHCARE ETF ETF 464287325 1,546 17,650 SH   SOLE   17,649 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF ETF 922042718 3,352 27,056 SH   SOLE   27,055 0 0
ISHARES COHEN & STEERS REIT ETF ETF 464287564 2,681 37,762 SH   SOLE   37,761 0 0
FEDEX CORP COM Stock 31428X106 228 985 SH   SOLE   984 0 0
PEPSICO INC COM Stock 713448108 407 2,433 SH   SOLE   2,432 0 0
ISHARES INTERNATIONAL TREASURY BOND ETF ETF 464288117 6,076 130,800 SH   SOLE   130,799 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF ETF 464287457 2,361 28,328 SH   SOLE   28,327 0 0
HOME DEPOT INC COM Stock 437076102 416 1,391 SH   SOLE   1,391 0 0
AUTOMATIC DATA PROCESSING INC COM Stock 053015103 381 1,673 SH   SOLE   1,672 0 0
ISHARES RUSSELL 2000 VALUE ETF ETF 464287630 1,468 9,095 SH   SOLE   9,094 0 0
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 565 4,126 SH   SOLE   4,125 0 0
BECTON DICKINSON & CO COM Stock 075887109 395 1,484 SH   SOLE   1,484 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 3,619 76,416 SH   SOLE   76,415 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 369 1,328 SH   SOLE   1,327 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 7,790 145,898 SH   SOLE   145,898 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 249 6,784 SH   SOLE   6,784 0 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 441 5,807 SH   SOLE   5,807 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804 3,552 32,923 SH   SOLE   32,922 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 956 37,937 SH   SOLE   37,936 0 0
ALPHABET INC CAP STK CL A Stock 02079K305 821 295 SH   SOLE   295 0 0
ISHARES MSCI PACIFIC EX-JAPAN ETF ETF 464286665 334 6,793 SH   SOLE   6,792 0 0
INTUIT COM Stock 461202103 350 729 SH   SOLE   728 0 0
MICROSOFT CORP COM Stock 594918104 1,799 5,834 SH   SOLE   5,833 0 0
CVS HEALTH CORP COM Stock 126650100 264 2,612 SH   SOLE   2,611 0 0
ISHARES EUROPE ETF ETF 464287861 2,954 58,791 SH   SOLE   58,790 0 0
ISHARES MSCI BRAZIL ETF ETF 464286400 793 20,977 SH   SOLE   20,976 0 0
ROYCE MICRO-CAP TR INC COM CEF 780915104 2,437 231,657 SH   SOLE   231,656 0 0
BOEING CO COM Stock 097023105 514 2,682 SH   SOLE   2,681 0 0
VANGUARD SMALL-CAP ETF ETF 922908751 1,611 7,582 SH   SOLE   7,581 0 0
VANGUARD MID-CAP ETF ETF 922908629 709 2,979 SH   SOLE   2,979 0 0
VANGUARD HEALTH CARE ETF ETF 92204A504 256 1,005 SH   SOLE   1,005 0 0
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 270 7,039 SH   SOLE   7,038 0 0
NORFOLK SOUTHN CORP COM Stock 655844108 216 756 SH   SOLE   756 0 0
TEMPLETON GLOBAL INCOME FD COM CEF 880198106 3,155 627,333 SH   SOLE   627,333 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874 547 8,788 SH   SOLE   8,788 0 0
BLACKROCK CORE BD TR SHS BEN INT CEF 09249E101 1,773 136,420 SH   SOLE   136,419 0 0
ISHARES U.S. REGIONAL BANKS ETF ETF 464288778 1,133 19,229 SH   SOLE   19,228 0 0
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 10,681 101,778 SH   SOLE   101,778 0 0
VANECK GOLD MINERS ETF ETF 92189F106 347 9,040 SH   SOLE   9,040 0 0
LILLY ELI & CO COM Stock 532457108 288 1,006 SH   SOLE   1,006 0 0
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 240 4,012 SH   SOLE   4,012 0 0
VANGUARD S&P 500 VALUE ETF ETF 921932703 4,279 28,397 SH   SOLE   28,396 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655 1,213 5,911 SH   SOLE   5,911 0 0
MICRON TECHNOLOGY INC COM Stock 595112103 287 3,681 SH   SOLE   3,681 0 0
SYSCO CORP COM Stock 871829107 207 2,540 SH   SOLE   2,540 0 0
MARATHON PETE CORP COM Stock 56585A102 287 3,354 SH   SOLE   3,354 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611 1,381 7,850 SH   SOLE   7,849 0 0
VANECK IG FLOATING RATE ETF ETF 92189F486 6,282 250,266 SH   SOLE   250,265 0 0
ISHARES MSCI EAFE VALUE ETF ETF 464288877 446 8,875 SH   SOLE   8,875 0 0
VANGUARD MID-CAP GROWTH ETF ETF 922908538 289 1,297 SH   SOLE   1,296 0 0
ISHARES GLOBAL 100 ETF ETF 464287572 283 3,719 SH   SOLE   3,719 0 0
NEOGEN CORP COM Stock 640491106 210 6,812 SH   SOLE   6,812 0 0
VISA INC COM CL A Stock 92826C839 282 1,271 SH   SOLE   1,270 0 0
INVESCO SOLAR ETF ETF 46138G706 513 6,804 SH   SOLE   6,803 0 0
PIMCO ACTIVE BOND ETF ETF 72201R775 1,618 15,896 SH   SOLE   15,895 0 0
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595 930 3,748 SH   SOLE   3,747 0 0
VANGUARD GROWTH ETF ETF 922908736 258 896 SH   SOLE   895 0 0
ISHARES U.S. TREASURY BOND ETF ETF 46429B267 1,344 53,967 SH   SOLE   53,967 0 0
ISHARES MICRO-CAP ETF ETF 464288869 1,829 14,196 SH   SOLE   14,195 0 0
FLAHERTY & CRUMRINE PFD SECS I COM CEF 338478100 1,638 83,220 SH   SOLE   83,219 0 0
ISHARES MSCI GLOBAL METALS & MINING PRODUCERS ETF ETF 46434G848 1,698 33,146 SH   SOLE   33,146 0 0
ISHARES MSCI GLOBAL GOLD MINERS ETF ETF 46434G855 1,265 40,711 SH   SOLE   40,711 0 0
VANGUARD RUSSELL 3000 ETF ETF 92206C599 7,900 38,741 SH   SOLE   38,740 0 0
MARTIN MARIETTA MATLS INC COM Stock 573284106 241 625 SH   SOLE   625 0 0
ISHARES GLOBAL UTILITIES ETF ETF 464288711 403 6,120 SH   SOLE   6,119 0 0
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101 356 1,054 SH   SOLE   1,054 0 0
NVIDIA CORPORATION COM Stock 67066G104 2,053 7,525 SH   SOLE   7,524 0 0
SANDY SPRING BANCORP INC COM Stock 800363103 323 7,193 SH   SOLE   7,193 0 0
ABBVIE INC COM Stock 00287Y109 735 4,534 SH   SOLE   4,533 0 0
SPDR S&P METALS & MINING ETF ETF 78464A755 1,433 23,389 SH   SOLE   23,388 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835 24,826 312,118 SH   SOLE   312,118 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF 464287648 375 1,468 SH   SOLE   1,467 0 0
ISHARES GLOBAL FINANCIALS ETF ETF 464287333 447 5,623 SH   SOLE   5,623 0 0
MCDONALDS CORP COM Stock 580135101 272 1,100 SH   SOLE   1,099 0 0
CISCO SYS INC COM Stock 17275R102 446 7,993 SH   SOLE   7,992 0 0
ADVANCED MICRO DEVICES INC COM Stock 007903107 359 3,282 SH   SOLE   3,282 0 0
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506 2,065 27,015 SH   SOLE   27,015 0 0
MATERIALS SELECT SECTOR SPDR FUND ETF 81369Y100 209 2,366 SH   SOLE   2,366 0 0
ISHARES U.S. CONSUMER STAPLES ETF ETF 464287812 408 2,038 SH   SOLE   2,038 0 0
ISHARES BIOTECHNOLOGY ETF ETF 464287556 1,502 11,525 SH   SOLE   11,525 0 0
ISHARES U.S. TELECOMMUNICATIONS ETF ETF 464287713 515 17,220 SH   SOLE   17,220 0 0
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887 1,906 15,236 SH   SOLE   15,236 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407 1,023 5,532 SH   SOLE   5,532 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704 350 3,398 SH   SOLE   3,398 0 0
ISHARES US FINANCIAL SERVICES ETF ETF 464287770 2,439 13,527 SH   SOLE   13,526 0 0
ISHARES U.S. BASIC MATERIALS ETF ETF 464287838 402 2,690 SH   SOLE   2,690 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408 1,578 10,131 SH   SOLE   10,130 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 4,290 56,163 SH   SOLE   56,162 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 13,210 29,117 SH   SOLE   29,117 0 0
CIGNA CORP NEW COM Stock 125523100 315 1,316 SH   SOLE   1,316 0 0
WELLS FARGO CO NEW COM Stock 949746101 321 6,623 SH   SOLE   6,622 0 0
UNION PAC CORP COM Stock 907818108 458 1,678 SH   SOLE   1,677 0 0
NORTHROP GRUMMAN CORP COM Stock 666807102 279 623 SH   SOLE   622 0 0
JPMORGAN CHASE & CO COM Stock 46625H100 477 3,496 SH   SOLE   3,496 0 0
CHEVRON CORP NEW COM Stock 166764100 344 2,114 SH   SOLE   2,114 0 0
CONOCOPHILLIPS COM Stock 20825C104 473 4,727 SH   SOLE   4,727 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 27,278 567,935 SH   SOLE   567,934 0 0
BK OF AMERICA CORP COM Stock 060505104 224 5,425 SH   SOLE   5,424 0 0
ORACLE CORP COM Stock 68389X105 274 3,318 SH   SOLE   3,318 0 0
RAYTHEON TECHNOLOGIES CORP COM Stock 75513E101 327 3,302 SH   SOLE   3,302 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 3,591 77,843 SH   SOLE   77,843 0 0
TEXAS INSTRS INC COM Stock 882508104 424 2,310 SH   SOLE   2,309 0 0
PFIZER INC COM Stock 717081103 208 4,018 SH   SOLE   4,017 0 0
3M CO COM Stock 88579Y101 477 3,202 SH   SOLE   3,201 0 0
ALPHABET INC CAP STK CL C Stock 02079K107 492 176 SH   SOLE   176 0 0
AMGEN INC COM Stock 031162100 299 1,235 SH   SOLE   1,235 0 0
APPLIED MATLS INC COM Stock 038222105 285 2,164 SH   SOLE   2,163 0 0
ISHARES CORE S&P U.S. GROWTH ETF ETF 464287671 1,434 13,576 SH   SOLE   13,576 0 0
ISHARES MSCI EAFE SMALL-CAP ETF ETF 464288273 1,305 19,665 SH   SOLE   19,664 0 0
ABRDN ASIA PACIFIC INCOME FUND COM CEF 003009107 1,323 391,293 SH   SOLE   391,292 0 0
ISHARES 7-10 YEAR TREASURY BOND ETF ETF 464287440 2,639 24,552 SH   SOLE   24,551 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 6,566 61,303 SH   SOLE   61,303 0 0
ISHARES 20 YEAR TREASURY BOND ETF ETF 464287432 1,109 8,395 SH   SOLE   8,394 0 0
ISHARES EXPANDED TECH SECTOR ETF ETF 464287549 1,074 2,763 SH   SOLE   2,762 0 0
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879 6,892 67,315 SH   SOLE   67,314 0 0
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606 1,125 14,562 SH   SOLE   14,562 0 0
ISHARES S&P MID-CAP 400 VALUE ETF ETF 464287705 2,389 21,791 SH   SOLE   21,790 0 0
LAM RESEARCH CORP COM Stock 512807108 612 1,138 SH   SOLE   1,138 0 0
ISHARES INTERNATIONAL DEVELOPED REAL ESTATE ETF ETF 464288489 2,303 84,704 SH   SOLE   84,703 0 0
PNC FINL SVCS GROUP INC COM Stock 693475105 321 1,741 SH   SOLE   1,741 0 0
GRAHAM HLDGS CO COM CL B Stock 384637104 266 435 SH   SOLE   435 0 0
ISHARES JPX-NIKKEI 400 ETF ETF 464287382 565 8,678 SH   SOLE   8,677 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689 58,728 223,836 SH   SOLE   223,836 0 0
ISHARES GLOBAL ENERGY ETF ETF 464287341 4,173 115,434 SH   SOLE   115,433 0 0
SPDR DOUBLELINE TOTAL RETURN TACTICAL ETF ETF 78467V848 6,240 139,383 SH   SOLE   139,382 0 0
EXXON MOBIL CORP COM Stock 30231G102 329 3,983 SH   SOLE   3,982 0 0
UNITEDHEALTH GROUP INC COM Stock 91324P102 321 630 SH   SOLE   630 0 0
LOWES COS INC COM Stock 548661107 337 1,667 SH   SOLE   1,667 0 0
SPDR FTSE INTERNATIONAL GOVERNMENT INFLATION-PROTECTED BOND ETF ETF 78464A490 4,876 90,344 SH   SOLE   90,344 0 0
ISHARES MSCI AUSTRALIA ETF ETF 464286103 412 15,601 SH   SOLE   15,601 0 0
ISHARES U.S. PHARMACEUTICALS ETF ETF 464288836 779 4,008 SH   SOLE   4,007 0 0
ISHARES U.S. UTILITIES ETF ETF 464287697 1,974 21,690 SH   SOLE   21,690 0 0
CABLE ONE INC COM Stock 12685J105 600 410 SH   SOLE   410 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507 1,615 6,017 SH   SOLE   6,017 0 0
ISHARES MSCI EAFE ETF ETF 464287465 4,041 54,910 SH   SOLE   54,910 0 0
APPLE INC COM Stock 037833100 6,625 37,940 SH   SOLE   37,939 0 0
ABBOTT LABS COM Stock 002824100 435 3,674 SH   SOLE   3,673 0 0
DISNEY WALT CO COM Stock 254687106 378 2,756 SH   SOLE   2,755 0 0
VANGUARD TOTAL WORLD STOCK ETF ETF 922042742 668 6,591 SH   SOLE   6,590 0 0
ISHARES RUSSELL 1000 ETF ETF 464287622 3,028 12,109 SH   SOLE   12,108 0 0