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 Common Stock 88579Y101 2,728 24,684 SH   SOLE   0 0 24,684
ABRDN PHYSICAL GOLD SHARES ETF ETF 00326A104 2,657 166,875 SH   SOLE   0 0 166,875
AMGEN INC. Common Stock 031162100 347 1,540 SH   SOLE   0 0 1,540
BAKER HUGHES CO. CLASS A Class A 05722G100 1,445 68,937 SH   SOLE   0 0 68,937
BIG LOTS INC Common Stock 089302103 594 38,082 SH   SOLE   0 0 38,082
BRINKER INTL INC Common Stock 109641100 1,147 45,923 SH   SOLE   0 0 45,923
CATERPILLAR INC Common Stock 149123101 1,617 9,854 SH   SOLE   0 0 9,854
CHARLES SCHWAB US MC ETF ETF 808524508 429 7,093 SH   SOLE   0 0 7,093
CHARLES SCHWAB US REIT ETF ETF 808524847 223 11,929 SH   SOLE   0 0 11,929
CISCO SYSTEMS INC Common Stock 17275R102 2,139 53,485 SH   SOLE   0 0 53,485
CLEVELAND-CLIFFS INC Common Stock 185899101 1,170 86,882 SH   SOLE   0 0 86,882
DOW INC Common Stock 260557103 2,048 46,628 SH   SOLE   0 0 46,628
ERIE INDEMNITY CO CLASS A Class A 29530P102 906 4,074 SH   SOLE   0 0 4,074
EVERSOURCE ENERGY Common Stock 30040W108 203 2,610 SH   SOLE   0 0 2,610
FIRST TRUST MANAGED MUNICIPAL ETF ETF 33739N108 784 16,083 SH   SOLE   0 0 16,083
FIRST TRUST MUNCPL HIGH INCOM ETF ETF 33739P301 430 9,464 SH   SOLE   0 0 9,464
FIRST TRUST PREFERRED SEC ETF IV ETF 33739E120 3,431 205,437 SH   SOLE   0 0 205,437
FIRST TRUST SHORT DURAT MANG MUN ETF ETF 33739P830 204 10,480 SH   SOLE   0 0 10,480
GILEAD SCIENCES INC Common Stock 375558103 3,388 54,921 SH   SOLE   0 0 54,921
HEALTHPEAK PPTYS INC REIT Common Stock 42250P103 1,440 62,825 SH   SOLE   0 0 62,825
IBM CORP Common Stock 459200101 2,128 17,909 SH   SOLE   0 0 17,909
INTEL CORP Common Stock 458140100 2,777 107,771 SH   SOLE   0 0 107,771
INVESCO NATIONAL AMT-FREE MUNICIPAL BOND ETF ETF 46138E537 943 42,726 SH   SOLE   0 0 42,726
INVSC QQQ TRUST SRS 1 ETF ETF 46090E103 758 2,837 SH   SOLE   0 0 2,837
ISHARES CONVERTIBLE BONDETF ETF 46435G102 222 3,215 SH   SOLE   0 0 3,215
ISHARES INTERNATIONAL SEL DIV ETF ETF 464288448 3,087 137,000 SH   SOLE   0 0 137,000
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 946 9,219 SH   SOLE   0 0 9,219
ISHARES SHORT TERM NTNL MUN BND ETF ETF 464288158 618 6,016 SH   SOLE   0 0 6,016
JOHNSON & JOHNSON Common Stock 478160104 216 1,325 SH   SOLE   0 0 1,325
JPMORGAN CHASE & CO Common Stock 46625H100 2,104 20,135 SH   SOLE   0 0 20,135
JPMORGAN ULTRA SHORT INCOME ETF ETF 46641Q837 3,254 64,870 SH   SOLE   0 0 64,870
KRAFT HEINZ CO Common Stock 500754106 1,956 58,647 SH   SOLE   0 0 58,647
METLIFE INC Common Stock 59156R108 1,547 25,451 SH   SOLE   0 0 25,451
MOLSON COORS BEVERAGE CLCLASS B Class B 60871R209 347 7,226 SH   SOLE   0 0 7,226
NIKE INC CLASS B Class B 654106103 509 6,122 SH   SOLE   0 0 6,122
NOVARTIS AG FSPONSORED ADR 1 ADR REPS 1 ORD SHS Common Stock 66987V109 2,302 30,288 SH   SOLE   0 0 30,288
PATTERSON COMPANIES Common Stock 703395103 1,764 73,454 SH   SOLE   0 0 73,454
PHILLIPS 66 Common Stock 718546104 1,810 22,423 SH   SOLE   0 0 22,423
PNC FINL SERVICES Common Stock 693475105 232 1,553 SH   SOLE   0 0 1,553
PPL CORP Common Stock 69351T106 3,112 122,750 SH   SOLE   0 0 122,750
RAYTHEON TECHNOLOGIES CO Common Stock 75513E101 230 2,815 SH   SOLE   0 0 2,815
REAL ESTATE SELECT SCTR SPDR ETF ETF 81369Y860 2,390 66,376 SH   SOLE   0 0 66,376
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 211 9,417 SH   SOLE   0 0 9,417
SCHWAB FUNDA EMG MKTS LARGE COM ETF ETF 808524730 1,195 50,969 SH   SOLE   0 0 50,969
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 1,299 46,175 SH   SOLE   0 0 46,175
SCHWAB US AGGREGATE BONDETF ETF 808524839 6,358 140,328 SH   SOLE   0 0 140,328
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 910 13,693 SH   SOLE   0 0 13,693
SCHWAB US LARGE CAP VALUE ETF ETF 808524409 5,074 86,713 SH   SOLE   0 0 86,713
SCHWAB US LARGE CAP ETF ETF 808524201 1,200 28,337 SH   SOLE   0 0 28,337
SCHWAB US TIPS ETF ETF 808524870 3,174 61,278 SH   SOLE   0 0 61,278
SCOTTS MIRACLE GRO CO Common Stock 810186106 1,190 27,845 SH   SOLE   0 0 27,845
SELECT SECTOR HEALTH CARE SPDR ETF ETF 81369Y209 1,955 16,140 SH   SOLE   0 0 16,140
SELECT STR FINANCIAL SELECT SPDR ETF ETF 81369Y605 2,284 75,230 SH   SOLE   0 0 75,230
SPDR PORTFOLIO HIGH YIELD BOND ETF ETF 78468R606 5,820 266,724 SH   SOLE   0 0 266,724
SPDR PORTFOLIO S&P 400 MID CAP ETF ETF 78464A847 1,151 29,851 SH   SOLE   0 0 29,851
SPDR PORTFOLIO S&P 600 SMALL CAP ETF ETF 78468R853 2,434 71,460 SH   SOLE   0 0 71,460
SPDR S&P 500 GROWTH ETF ETF 78464A409 524 10,462 SH   SOLE   0 0 10,462
U G I CORP Common Stock 902681105 2,187 67,646 SH   SOLE   0 0 67,646
VANECK HIGH YIELD MUNI ETF ETF 92189H409 1,184 23,710 SH   SOLE   0 0 23,710
VANGUARD FINANCIALS ETF ETF 92204A405 316 4,248 SH   SOLE   0 0 4,248
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 855 23,504 SH   SOLE   0 0 23,504
VANGUARD INTL DIVDEND APRECTN ETF IV ETF 921946810 297 4,785 SH   SOLE   0 0 4,785
VANGUARD LONG TERM BOND ETF ETF 921937793 252 3,498 SH   SOLE   0 0 3,498
VANGUARD LONG TERM COR BD ETF ETF 92206C813 4,452 60,786 SH   SOLE   0 0 60,786
VANGUARD MUNI BND TAX EXEMPT ETF ETF 922907746 1,087 22,586 SH   SOLE   0 0 22,586
VANGUARD RUSSELL 2000 ETF IV ETF 92206C664 1,010 15,165 SH   SOLE   0 0 15,165
VANGUARD TOTAL INTERNATIONAL BND ETF ETF 92203J407 4,595 96,267 SH   SOLE   0 0 96,267
VANGUARD TOTAL BOND MARKET ETF ETF 921937835 356 4,991 SH   SOLE   0 0 4,991
VERIZON COMMUNICATN Common Stock 92343V104 3,105 81,773 SH   SOLE   0 0 81,773
VIRTU FINL INCORPORA0050CLASS A Class A 928254101 1,931 92,994 SH   SOLE   0 0 92,994
W E C ENERGY GROUP INC Common Stock 92939U106 1,920 21,472 SH   SOLE   0 0 21,472
WALGREENS BOOTS ALLI Common Stock 931427108 2,071 65,956 SH   SOLE   0 0 65,956
XTRACKERS USD HIGH YIELDCOR BND ETF ETF 233051432 349 10,675 SH   SOLE   0 0 10,675