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
ISHARES TR CORE 1 5 YR USD 46432F859 31,464 623,910 SH   SOLE   584,972 0 38,938
ISHARES TR ISHS 5-10YR INVT 464288638 24,032 405,466 SH   SOLE   382,322 0 23,144
ISHARES TR ISHS 1-5YR INVS 464288646 15,432 286,408 SH   SOLE   270,145 0 16,263
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 8,699 212,533 SH   SOLE   204,749 0 7,784
CELESTICA INC SUB VTG SHS 15101Q108 2,225 199,881 SH   SOLE   199,881 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 7,871 151,919 SH   SOLE   140,466 0 11,453
ISHARES TR GLB INFRASTR ETF 464288372 6,433 135,170 SH   SOLE   126,478 0 8,692
SCHWAB STRATEGIC TR US REIT ETF 808524847 6,543 124,183 SH   SOLE   117,323 0 6,860
ISHARES TR CORE US AGGBD ET 464287226 14,093 123,533 SH   SOLE   113,196 0 10,337
BK OF AMERICA CORP COM 060505104 5,286 118,807 SH   SOLE   114,092 0 4,715
ISHARES TR NATIONAL MUN ETF 464288414 12,267 105,495 SH   SOLE   101,140 0 4,355
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 5,682 105,313 SH   SOLE   98,207 0 7,106
COMCAST CORP NEW CL A 20030N101 5,164 102,594 SH   SOLE   98,652 0 3,942
TRUIST FINL CORP COM 89832Q109 5,194 88,707 SH   SOLE   84,770 0 3,937
SHP ETF TRUST FIS KNIGHTS 78433H105 2,281 88,262 SH   SOLE   88,262 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 5,232 82,306 SH   SOLE   79,710 0 2,596
ISHARES TR CORE MSCI TOTAL 46432F834 5,652 79,668 SH   SOLE   72,895 0 6,773
PFIZER INC COM 717081103 4,476 75,795 SH   SOLE   67,308 0 8,487
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 5,969 73,451 SH   SOLE   71,432 0 2,019
VALVOLINE INC COM 92047W101 2,671 71,617 SH   SOLE   68,721 0 2,896
SELECT SECTOR SPDR TR ENERGY 81369Y506 3,911 70,468 SH   SOLE   67,552 0 2,916
APPLE INC COM 037833100 12,158 68,471 SH   SOLE   65,859 0 2,612
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 5,524 68,335 SH   SOLE   63,666 0 4,669
SPDR SER TR PORTFOLIO SHORT 78464A474 2,067 66,746 SH   SOLE   66,746 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 5,548 65,459 SH   SOLE   63,224 0 2,235
FRESENIUS MED CARE AG&CO KGA SPONSORED ADR 358029106 1,983 61,092 SH   SOLE   58,252 0 2,840
RELX PLC SPONSORED ADR 759530108 1,941 59,514 SH   SOLE   56,940 0 2,574
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 2,288 58,604 SH   SOLE   57,045 0 1,559
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 9,918 57,043 SH   SOLE   55,454 0 1,589
GENTEX CORP COM 371901109 1,974 56,654 SH   SOLE   53,994 0 2,660
PACIRA BIOSCIENCES INC COM 695127100 3,294 54,744 SH   SOLE   52,233 0 2,511
COGENT COMMUNICATIONS HLDGS COM NEW 19239V302 3,529 48,217 SH   SOLE   46,824 0 1,393
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,373 47,988 SH   SOLE   46,742 0 1,246
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 4,145 45,747 SH   SOLE   43,980 0 1,767
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303 1,663 45,139 SH   SOLE   42,912 0 2,227
COLGATE PALMOLIVE CO COM 194162103 3,678 43,100 SH   SOLE   41,976 0 1,124
ISHARES INC CORE MSCI EMKT 46434G103 2,473 41,321 SH   SOLE   40,073 0 1,248
EDWARDS LIFESCIENCES CORP COM 28176E108 5,217 40,272 SH   SOLE   38,806 0 1,466
YUM CHINA HLDGS INC COM 98850P109 1,989 39,900 SH   SOLE   38,159 0 1,741
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,185 39,794 SH   SOLE   39,794 0 0
UNILEVER PLC SPON ADR NEW 904767704 2,110 39,223 SH   SOLE   37,479 0 1,744
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 2,266 37,537 SH   SOLE   36,092 0 1,445
DBX ETF TR XTRACK USD HIGH 233051432 1,474 36,988 SH   SOLE   36,988 0 0
TOLL BROTHERS INC COM 889478103 2,620 36,195 SH   SOLE   34,779 0 1,416
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,258 35,911 SH   SOLE   35,671 0 240
ORACLE CORP COM 68389X105 3,086 35,387 SH   SOLE   33,846 0 1,541
MANPOWERGROUP INC WIS COM 56418H100 3,328 34,192 SH   SOLE   32,820 0 1,372
TREX CO INC COM 89531P105 4,443 32,901 SH   SOLE   31,989 0 912
SPDR SER TR S&P REGL BKG 78464A698 2,284 32,241 SH   SOLE   31,186 0 1,055
JOHNSON & JOHNSON COM 478160104 5,424 31,705 SH   SOLE   30,418 0 1,287
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 2,436 31,596 SH   SOLE   30,630 0 966
JPMORGAN CHASE & CO COM 46625H100 4,916 31,046 SH   SOLE   29,390 0 1,656
GODADDY INC CL A 380237107 2,582 30,425 SH   SOLE   29,136 0 1,289
HDFC BANK LTD SPONSORED ADS 40415F101 1,968 30,241 SH   SOLE   29,010 0 1,231
MEDTRONIC PLC SHS G5960L103 2,982 28,821 SH   SOLE   27,670 0 1,151
ISHARES TR GRWT ALLOCAT ETF 464289867 1,629 28,532 SH   SOLE   27,077 0 1,455
STATE STR CORP COM 857477103 2,611 28,079 SH   SOLE   26,941 0 1,138
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 3,892 27,625 SH   SOLE   26,817 0 808
ISHARES TR CORE S&P500 ETF 464287200 13,101 27,467 SH   SOLE   24,982 0 2,485
HONEYWELL INTL INC COM 438516106 5,531 26,528 SH   SOLE   24,589 0 1,939
FIDELITY NATL INFORMATION SV COM 31620M106 2,840 26,022 SH   SOLE   25,047 0 975
ISHARES TR US TREAS BD ETF 46429B267 687 25,754 SH   SOLE   25,754 0 0
ISHARES TR INTRM GOV CR ETF 464288612 2,884 25,355 SH   SOLE   25,025 0 330
CANADIAN PAC RY LTD COM 13645T100 1,803 25,067 SH   SOLE   24,095 0 972
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,250 24,585 SH   SOLE   24,332 0 253
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,493 24,343 SH   SOLE   21,997 0 2,346
PEPSICO INC COM 713448108 3,785 21,789 SH   SOLE   20,758 0 1,031
MANHATTAN ASSOCIATES INC COM 562750109 3,250 20,901 SH   SOLE   20,227 0 674
INTERCONTINENTAL EXCHANGE IN COM 45866F104 2,824 20,651 SH   SOLE   20,325 0 326
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 456 20,631 SH   SOLE   19,345 0 1,286
NOVO-NORDISK A S ADR 670100205 2,307 20,595 SH   SOLE   19,750 0 845
PROGRESSIVE CORP COM 743315103 2,046 19,934 SH   SOLE   19,173 0 761
FIRST REP BK SAN FRANCISCO C COM 33616C100 4,078 19,745 SH   SOLE   19,106 0 639
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,668 19,332 SH   SOLE   19,201 0 131
NIKE INC CL B 654106103 3,210 19,261 SH   SOLE   18,540 0 721
SAP SE SPON ADR 803054204 2,645 18,881 SH   SOLE   17,981 0 900
REPUBLIC SVCS INC COM 760759100 2,598 18,631 SH   SOLE   17,909 0 722
ALTRIA GROUP INC COM 02209S103 864 18,238 SH   SOLE   17,544 0 694
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 959 18,141 SH   SOLE   18,141 0 0
SPDR SER TR S&P BIOTECH 78464A870 1,918 17,133 SH   SOLE   16,865 0 268
META PLATFORMS INC CL A 30303M102 5,729 17,032 SH   SOLE   16,183 0 849
ISHARES TR INTL DEV RE ETF 464288489 481 16,868 SH   SOLE   16,868 0 0
MICROSOFT CORP COM 594918104 5,503 16,362 SH   SOLE   15,792 0 570
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,662 16,360 SH   SOLE   15,942 0 418
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 1,941 16,131 SH   SOLE   15,468 0 663
VANGUARD INDEX FDS MID CAP ETF 922908629 3,938 15,457 SH   SOLE   14,049 0 1,408
METLIFE INC COM 59156R108 922 14,754 SH   SOLE   14,620 0 134
ISHARES TR AGGRES ALLOC ETF 464289859 1,041 14,298 SH   SOLE   12,748 0 1,486
NORDSON CORP COM 655663102 3,365 13,183 SH   SOLE   12,747 0 436
CASEYS GEN STORES INC COM 147528103 2,581 13,080 SH   SOLE   12,716 0 364
MASTERCARD INCORPORATED CL A 57636Q104 4,604 12,813 SH   SOLE   12,345 0 468
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 2,608 12,758 SH   SOLE   12,300 0 458
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 669 12,131 SH   SOLE   11,588 0 543
OLD DOMINION FREIGHT LINE IN COM 679580100 4,205 11,734 SH   SOLE   11,382 0 352
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 851 11,616 SH   SOLE   11,616 0 0
UNITED PARCEL SERVICE INC CL B 911312106 2,455 11,453 SH   SOLE   10,947 0 506
TRACTOR SUPPLY CO COM 892356106 2,576 10,798 SH   SOLE   10,494 0 304
HOME DEPOT INC COM 437076102 4,218 10,164 SH   SOLE   9,787 0 377
SPDR SER TR NUVEEN BLMBRG SH 78468R739 500 10,159 SH   SOLE   10,159 0 0
MOODYS CORP COM 615369105 3,948 10,107 SH   SOLE   9,736 0 371
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,784 10,072 SH   SOLE   9,191 0 881
FACTSET RESH SYS INC COM 303075105 4,843 9,964 SH   SOLE   9,670 0 294
FTI CONSULTING INC COM 302941109 1,481 9,650 SH   SOLE   9,260 0 390
CHARLES RIV LABS INTL INC COM 159864107 3,494 9,274 SH   SOLE   9,008 0 266
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,075 9,265 SH   SOLE   9,265 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 974 9,202 SH   SOLE   8,757 0 445
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 350 9,001 SH   SOLE   8,560 0 441
TOYOTA MOTOR CORP ADS 892331307 1,633 8,812 SH   SOLE   8,443 0 369
XYLEM INC COM 98419M100 1,036 8,636 SH   SOLE   8,311 0 325
CHEMED CORP NEW COM 16359R103 4,443 8,399 SH   SOLE   8,137 0 262
VISA INC COM CL A 92826C839 1,717 7,924 SH   SOLE   7,598 0 326
GLOBAL X FDS US INFR DEV ETF 37954Y673 226 7,859 SH   SOLE   7,859 0 0
UNITEDHEALTH GROUP INC COM 91324P102 3,914 7,794 SH   SOLE   7,450 0 344
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,204 7,350 SH   SOLE   7,350 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 1,612 7,321 SH   SOLE   7,032 0 289
3M CO COM 88579Y101 1,275 7,176 SH   SOLE   7,117 0 59
ISHARES TR 1 3 YR TREAS BD 464287457 610 7,130 SH   SOLE   7,130 0 0
BECTON DICKINSON & CO COM 075887109 1,772 7,047 SH   SOLE   6,811 0 236
SPDR INDEX SHS FDS S&P GBLINF ETF 78463X855 378 6,966 SH   SOLE   6,966 0 0
US BANCORP DEL COM NEW 902973304 313 5,575 SH   SOLE   5,575 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 299 5,541 SH   SOLE   5,541 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 425 5,471 SH   SOLE   5,471 0 0
ABBOTT LABS COM 002824100 704 5,001 SH   SOLE   5,001 0 0
NEXTERA ENERGY INC COM 65339F101 460 4,925 SH   SOLE   4,925 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 725 4,320 SH   SOLE   4,320 0 0
COCA COLA CO COM 191216100 253 4,275 SH   SOLE   4,275 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,234 4,037 SH   SOLE   4,037 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 200 3,952 SH   SOLE   3,952 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 204 3,933 SH   SOLE   3,733 0 200
FEDEX CORP COM 31428X106 942 3,643 SH   SOLE   3,207 0 436
SJW GROUP COM 784305104 220 3,000 SH   SOLE   3,000 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 224 2,784 SH   SOLE   2,784 0 0
ALPHABET INC CAP STK CL A 02079K305 7,938 2,740 SH   SOLE   2,651 0 89
LILLY ELI & CO COM 532457108 666 2,411 SH   SOLE   763 0 1,648
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 260 2,303 SH   SOLE   2,303 0 0
ISHARES TR CORE S&P SCP ETF 464287804 247 2,156 SH   SOLE   2,156 0 0
BOOKING HOLDINGS INC COM 09857L108 4,242 1,768 SH   SOLE   1,700 0 68
VANGUARD WORLD FDS INF TECH ETF 92204A702 692 1,510 SH   SOLE   1,510 0 0
MCDONALDS CORP COM 580135101 351 1,311 SH   SOLE   1,117 0 194
TARGET CORP COM 87612E106 295 1,275 SH   SOLE   1,275 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 279 1,256 SH   SOLE   1,256 0 0
NVIDIA CORPORATION COM 67066G104 294 1,000 SH   SOLE   1,000 0 0
ISHARES TR CORE S&P MCP ETF 464287507 241 852 SH   SOLE   852 0 0
AMAZON COM INC COM 023135106 2,768 830 SH   SOLE   800 0 30
LOWES COS INC COM 548661107 214 826 SH   SOLE   751 0 75
GARTNER INC COM 366651107 246 735 SH   SOLE   735 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 214 717 SH   SOLE   645 0 72
VANGUARD INDEX FDS GROWTH ETF 922908736 222 693 SH   SOLE   693 0 0
TELEFLEX INCORPORATED COM 879369106 210 640 SH   SOLE   640 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 249 571 SH   SOLE   571 0 0
ALPHABET INC CAP STK CL C 02079K107 1,612 557 SH   SOLE   552 0 5
TESLA INC COM 88160R101 206 195 SH   SOLE   195 0 0