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
ISHARES TR CORE 1 5 YR USD 46432F859 30,571 630,855 SH   SOLE   596,226 0 34,629
SHP ETF TRUST FIS BIBLICALLY R 78433H204 23,583 955,542 SH   SOLE   912,712 0 42,830
ISHARES TR ISHS 5-10YR INVT 464288638 21,481 391,497 SH   SOLE   371,027 0 20,470
ISHARES TR ISHS 1-5YR INVS 464288646 15,163 293,183 SH   SOLE   279,172 0 14,011
ISHARES TR CORE US AGGBD ET 464287226 13,096 122,277 SH   SOLE   113,845 0 8,432
APPLE INC COM 037833100 12,216 69,961 SH   SOLE   67,284 0 2,677
ISHARES TR NATIONAL MUN ETF 464288414 11,996 109,411 SH   SOLE   104,904 0 4,507
ISHARES TR CORE S&P500 ETF 464287200 11,971 26,385 SH   SOLE   24,346 0 2,039
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 8,519 53,604 SH   SOLE   52,064 0 1,540
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 8,392 173,679 SH   SOLE   160,198 0 13,481
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 7,854 206,851 SH   SOLE   198,225 0 8,626
ALPHABET INC CAP STK CL A 02079K305 7,507 2,699 SH   SOLE   2,603 0 96
ISHARES TR GLB INFRASTR ETF 464288372 7,023 138,088 SH   SOLE   128,675 0 9,413
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 5,716 110,038 SH   SOLE   102,048 0 7,990
SCHWAB STRATEGIC TR US REIT ETF 808524847 5,680 228,217 SH   SOLE   215,981 0 12,236
ISHARES TR CORE MSCI TOTAL 46432F834 5,612 84,286 SH   SOLE   78,675 0 5,611
HONEYWELL INTL INC COM 438516106 5,588 28,719 SH   SOLE   26,655 0 2,064
JOHNSON & JOHNSON COM 478160104 5,518 31,137 SH   SOLE   29,751 0 1,386
TRUIST FINL CORP COM 89832Q109 5,400 95,244 SH   SOLE   91,082 0 4,162
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 5,202 66,614 SH   SOLE   64,595 0 2,019
BK OF AMERICA CORP COM 060505104 5,161 125,210 SH   SOLE   120,245 0 4,965
SELECT SECTOR SPDR TR ENERGY 81369Y506 5,095 66,651 SH   SOLE   63,854 0 2,797
EDWARDS LIFESCIENCES CORP COM 28176E108 5,044 42,844 SH   SOLE   41,223 0 1,621
MICROSOFT CORP COM 594918104 5,021 16,284 SH   SOLE   15,634 0 650
MASTERCARD INCORPORATED CL A 57636Q104 4,896 13,699 SH   SOLE   13,192 0 507
COMCAST CORP NEW CL A 20030N101 4,743 101,313 SH   SOLE   96,906 0 4,407
FACTSET RESH SYS INC COM 303075105 4,617 10,635 SH   SOLE   10,303 0 332
VANGUARD STAR FDS VG TL INTL STK F 921909768 4,594 76,901 SH   SOLE   74,123 0 2,778
CHEMED CORP NEW COM 16359R103 4,580 9,041 SH   SOLE   8,760 0 281
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 4,553 57,236 SH   SOLE   54,867 0 2,369
BOOKING HOLDINGS INC COM 09857L108 4,547 1,936 SH   SOLE   1,862 0 74
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 4,295 55,140 SH   SOLE   53,926 0 1,214
JPMORGAN CHASE & CO COM 46625H100 4,275 31,357 SH   SOLE   29,556 0 1,801
PACIRA BIOSCIENCES INC COM 695127100 4,162 54,535 SH   SOLE   51,869 0 2,666
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,113 18,066 SH   SOLE   17,935 0 131
PEPSICO INC COM 713448108 3,995 23,870 SH   SOLE   22,781 0 1,089
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 3,914 44,406 SH   SOLE   42,564 0 1,842
VANGUARD INDEX FDS MID CAP ETF 922908629 3,901 16,401 SH   SOLE   15,363 0 1,038
MOODYS CORP COM 615369105 3,883 11,507 SH   SOLE   11,076 0 431
UNITEDHEALTH GROUP INC COM 91324P102 3,863 7,574 SH   SOLE   7,206 0 368
META PLATFORMS INC CL A 30303M102 3,833 17,236 SH   SOLE   16,237 0 999
PFIZER INC COM 717081103 3,767 72,771 SH   SOLE   65,454 0 7,317
MEDTRONIC PLC SHS G5960L103 3,686 33,224 SH   SOLE   31,868 0 1,356
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 3,596 26,252 SH   SOLE   25,444 0 808
FIRST REP BK SAN FRANCISCO C COM 33616C100 3,574 22,046 SH   SOLE   21,234 0 812
COGENT COMMUNICATIONS HLDGS COM NEW 19239V302 3,558 53,628 SH   SOLE   51,845 0 1,783
OLD DOMINION FREIGHT LINE IN COM 679580100 3,548 11,878 SH   SOLE   11,461 0 417
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,463 7,667 SH   SOLE   6,786 0 881
COLGATE PALMOLIVE CO COM 194162103 3,421 45,110 SH   SOLE   43,976 0 1,134
MANPOWERGROUP INC WIS COM 56418H100 3,271 34,832 SH   SOLE   33,315 0 1,517
CELESTICA INC SUB VTG SHS 15101Q108 3,238 271,900 SH   SOLE   271,900 0 0
NORDSON CORP COM 655663102 3,156 13,898 SH   SOLE   13,407 0 491
FIDELITY NATL INFORMATION SV COM 31620M106 3,052 30,395 SH   SOLE   29,235 0 1,160
HOME DEPOT INC COM 437076102 3,008 10,049 SH   SOLE   9,634 0 415
NIKE INC CL B 654106103 2,998 22,277 SH   SOLE   21,406 0 871
ORACLE CORP COM 68389X105 2,955 35,721 SH   SOLE   33,900 0 1,821
CASEYS GEN STORES INC COM 147528103 2,939 14,833 SH   SOLE   14,362 0 471
CHARLES RIV LABS INTL INC COM 159864107 2,931 10,322 SH   SOLE   9,954 0 368
GODADDY INC CL A 380237107 2,896 34,602 SH   SOLE   33,153 0 1,449
MANHATTAN ASSOCIATES INC COM 562750109 2,828 20,390 SH   SOLE   19,551 0 839
AMAZON COM INC COM 023135106 2,751 844 SH   SOLE   809 0 35
REPUBLIC SVCS INC COM 760759100 2,637 19,904 SH   SOLE   19,147 0 757
INTERCONTINENTAL EXCHANGE IN COM 45866F104 2,555 19,335 SH   SOLE   19,009 0 326
VALVOLINE INC COM 92047W101 2,476 78,468 SH   SOLE   75,357 0 3,111
PROGRESSIVE CORP COM 743315103 2,472 21,682 SH   SOLE   20,826 0 856
SAP SE SPON ADR 803054204 2,395 21,582 SH   SOLE   20,557 0 1,025
FRESENIUS MED CARE AG&CO KGA SPONSORED ADR 358029106 2,383 70,740 SH   SOLE   67,585 0 3,155
UNITED PARCEL SERVICE INC CL B 911312106 2,346 10,941 SH   SOLE   10,435 0 506
TRACTOR SUPPLY CO COM 892356106 2,342 10,035 SH   SOLE   9,786 0 249
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,329 49,181 SH   SOLE   45,606 0 3,575
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 2,300 30,301 SH   SOLE   29,335 0 966
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 2,290 12,379 SH   SOLE   11,921 0 458
CANADIAN PAC RY LTD COM 13645T100 2,262 27,407 SH   SOLE   26,330 0 1,077
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 2,251 39,788 SH   SOLE   38,343 0 1,445
POLARIS INC COM 731068102 2,204 20,926 SH   SOLE   19,969 0 957
ISHARES INC CORE MSCI EMKT 46434G103 2,199 39,590 SH   SOLE   38,342 0 1,248
NOVO-NORDISK A S ADR 670100205 2,198 19,796 SH   SOLE   18,821 0 975
SPDR SER TR S&P REGL BKG 78464A698 2,153 31,241 SH   SOLE   30,186 0 1,055
STATE STR CORP COM 857477103 2,147 24,649 SH   SOLE   23,511 0 1,138
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 2,143 55,924 SH   SOLE   54,365 0 1,559
TREX CO INC COM 89531P105 2,078 31,807 SH   SOLE   30,610 0 1,197
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,065 44,767 SH   SOLE   43,521 0 1,246
RELX PLC SPONSORED ADR 759530108 2,045 65,754 SH   SOLE   63,060 0 2,694
UNILEVER PLC SPON ADR NEW 904767704 2,036 44,670 SH   SOLE   42,776 0 1,894
HDFC BANK LTD SPONSORED ADS 40415F101 2,017 32,886 SH   SOLE   31,570 0 1,316
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,840 30,308 SH   SOLE   30,068 0 240
TOLL BROTHERS INC COM 889478103 1,838 39,083 SH   SOLE   37,427 0 1,656
BECTON DICKINSON & CO COM 075887109 1,792 6,737 SH   SOLE   6,501 0 236
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 1,783 17,098 SH   SOLE   16,375 0 723
SPDR SER TR PORTFOLIO SHORT 78464A474 1,780 59,086 SH   SOLE   59,086 0 0
ISHARES TR INTRM GOV CR ETF 464288612 1,761 16,227 SH   SOLE   15,897 0 330
TOYOTA MOTOR CORP ADS 892331307 1,748 9,700 SH   SOLE   9,306 0 394
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,737 33,692 SH   SOLE   33,692 0 0
VISA INC COM CL A 92826C839 1,720 7,757 SH   SOLE   7,431 0 326
FTI CONSULTING INC COM 302941109 1,609 10,235 SH   SOLE   9,829 0 406
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303 1,506 49,340 SH   SOLE   46,758 0 2,582
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,504 15,012 SH   SOLE   14,484 0 528
ISHARES TR GRWT ALLOCAT ETF 464289867 1,500 27,800 SH   SOLE   26,314 0 1,486
ALPHABET INC CAP STK CL C 02079K107 1,486 532 SH   SOLE   527 0 5
SPDR SER TR S&P BIOTECH 78464A870 1,469 16,348 SH   SOLE   16,080 0 268
GENTEX CORP COM 371901109 1,438 49,313 SH   SOLE   46,718 0 2,595
DIAGEO PLC SPON ADR NEW 25243Q205 1,400 6,894 SH   SOLE   6,605 0 289
ISHARES TR RUS 1000 GRW ETF 464287614 1,076 3,877 SH   SOLE   3,877 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,059 21,375 SH   SOLE   21,122 0 253
DBX ETF TR XTRACK USD HIGH 233051432 1,057 28,033 SH   SOLE   28,033 0 0
GORES HLDGS VIII INC CL A 382863108 1,020 102,500 SH   SOLE   102,500 0 0
ISHARES TR AGGRES ALLOC ETF 464289859 985 14,292 SH   SOLE   12,635 0 1,657
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 961 8,871 SH   SOLE   8,871 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 953 12,735 SH   SOLE   12,735 0 0
METLIFE INC COM 59156R108 940 13,375 SH   SOLE   13,241 0 134
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 915 8,884 SH   SOLE   8,439 0 445
ALTRIA GROUP INC COM 02209S103 884 16,910 SH   SOLE   16,216 0 694
PALO ALTO NETWORKS INC COM 697435105 850 1,365 SH   SOLE   1,365 0 0
NVIDIA CORPORATION COM 67066G104 817 2,993 SH   SOLE   2,993 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 741 10,381 SH   SOLE   10,381 0 0
FEDEX CORP COM 31428X106 738 3,190 SH   SOLE   2,754 0 436
ISHARES TR RUS 1000 VAL ETF 464287598 717 4,320 SH   SOLE   4,320 0 0
XYLEM INC COM 98419M100 708 8,300 SH   SOLE   7,910 0 390
LILLY ELI & CO COM 532457108 690 2,411 SH   SOLE   763 0 1,648
VERIZON COMMUNICATIONS INC COM 92343V104 652 12,808 SH   SOLE   12,608 0 200
KEYCORP COM 493267108 621 27,744 SH   SOLE   27,744 0 0
ABBOTT LABS COM 002824100 596 5,039 SH   SOLE   5,039 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 591 1,420 SH   SOLE   1,420 0 0
LOWES COS INC COM 548661107 584 2,887 SH   SOLE   2,812 0 75
ECOLAB INC COM 278865100 559 3,164 SH   SOLE   3,164 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 558 4,360 SH   SOLE   4,360 0 0
HUMANA INC COM 444859102 537 1,234 SH   SOLE   1,234 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 537 5,013 SH   SOLE   5,013 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 528 24,242 SH   SOLE   22,447 0 1,795
GFL ENVIRONMENTAL INC SUB VTG SHS 36168Q104 516 15,867 SH   SOLE   15,867 0 0
ISHARES TR US TREAS BD ETF 46429B267 477 19,160 SH   SOLE   19,160 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 464 9,795 SH   SOLE   9,795 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 461 5,528 SH   SOLE   5,528 0 0
GRAPHIC PACKAGING HLDG CO COM 388689101 459 22,920 SH   SOLE   22,920 0 0
ISHARES TR INTL DEV RE ETF 464288489 459 16,868 SH   SOLE   16,868 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 420 8,379 SH   SOLE   8,379 0 0
NEXTERA ENERGY INC COM 65339F101 417 4,925 SH   SOLE   4,925 0 0
SPDR INDEX SHS FDS S&P GBLINF ETF 78463X855 402 6,921 SH   SOLE   6,921 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 381 7,269 SH   SOLE   7,269 0 0
FASTENAL CO COM 311900104 377 6,348 SH   SOLE   6,348 0 0
CHEVRON CORP NEW COM 166764100 371 2,279 SH   SOLE   1,929 0 350
TJX COS INC NEW COM 872540109 367 6,058 SH   SOLE   6,058 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 355 9,676 SH   SOLE   9,235 0 441
EXXON MOBIL CORP COM 30231G102 328 3,968 SH   SOLE   3,968 0 0
MCDONALDS CORP COM 580135101 324 1,311 SH   SOLE   1,117 0 194
CHECK POINT SOFTWARE TECH LT ORD M22465104 320 2,313 SH   SOLE   2,313 0 0
US BANCORP DEL COM NEW 902973304 300 5,650 SH   SOLE   5,650 0 0
ORANGE SPONSORED ADR 684060106 278 23,557 SH   SOLE   23,557 0 0
NICE LTD SPONSORED ADR 653656108 277 1,265 SH   SOLE   1,265 0 0
AGCO CORP COM 001084102 276 1,890 SH   SOLE   1,890 0 0
TARGET CORP COM 87612E106 271 1,275 SH   SOLE   1,275 0 0
COCA COLA CO COM 191216100 265 4,275 SH   SOLE   4,275 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 253 717 SH   SOLE   645 0 72
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 248 4,906 SH   SOLE   4,906 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 246 4,606 SH   SOLE   4,606 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 244 1,188 SH   SOLE   1,188 0 0
ISHARES TR CORE S&P MCP ETF 464287507 229 852 SH   SOLE   852 0 0
TELEFLEX INCORPORATED COM 879369106 227 640 SH   SOLE   640 0 0
GLOBAL X FDS US INFR DEV ETF 37954Y673 222 7,859 SH   SOLE   7,859 0 0
ISHARES TR CORE S&P SCP ETF 464287804 217 2,015 SH   SOLE   2,015 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 216 2,851 SH   SOLE   2,851 0 0
SJW GROUP COM 784305104 209 3,000 SH   SOLE   3,000 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 205 493 SH   SOLE   493 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 200 3,952 SH   SOLE   3,952 0 0