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
AT&T INC COM 00206R102 13 840 SH   SOLE   840 0 0
ABBVIE INC COM 00287Y109 3 19 SH   SOLE   19 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,114 4,048 SH   SOLE   4,048 0 0
ALIGN TECHNOLOGY INC COM 016255101 20 95 SH   SOLE   95 0 0
ALPHABET INC CAP STK CL C 02079K107 569 5,920 SH   SOLE   5,920 0 0
ALPHABET INC CAP STK CL A 02079K305 220 2,300 SH   SOLE   2,300 0 0
AMAZON COM INC COM 023135106 2,194 19,420 SH   SOLE   19,420 0 0
AMERICAN WTR WKS CO INC NEW COM 030420103 22 170 SH   SOLE   170 0 0
APPLE INC COM 037833100 2,607 18,861 SH   SOLE   18,861 0 0
BK OF AMERICA CORP COM 060505104 60 2,000 SH   SOLE   2,000 0 0
BANK NEW YORK MELLON CORP COM 064058100 6 150 SH   SOLE   150 0 0
BLACKROCK INC COM 09247X101 2,300 4,179 SH   SOLE   4,179 0 0
BROADCOM INC COM 11135F101 2,534 5,706 SH   SOLE   5,706 0 0
CVS HEALTH CORP COM 126650100 42 443 SH   SOLE   443 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 0 0 SH   SOLE   0 0 0
CATERPILLAR INC COM 149123101 687 4,189 SH   SOLE   4,189 0 0
COCA COLA CO COM 191216100 975 17,410 SH   SOLE   17,410 0 0
DNP SELECT INCOME FD INC COM 23325P104 915 88,361 SH   SOLE   88,361 0 0
D R HORTON INC COM 23331A109 214 3,171 SH   SOLE   3,171 0 0
DELL TECHNOLOGIES INC CL C 24703L202 182 5,318 SH   SOLE   5,318 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 61 362 SH   SOLE   362 0 0
DOMINION ENERGY INC COM 25746U109 150 2,166 SH   SOLE   2,166 0 0
DOW INC COM 260557103 1,389 31,608 SH   SOLE   31,608 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 420 4,512 SH   SOLE   4,512 0 0
DUPONT DE NEMOURS INC COM 26614N102 1,065 21,127 SH   SOLE   21,127 0 0
EXXON MOBIL CORP COM 30231G102 186 2,128 SH   SOLE   2,128 0 0
FEDEX CORP COM 31428X106 35 233 SH   SOLE   233 0 0
GENERAL DYNAMICS CORP COM 369550108 11 50 SH   SOLE   50 0 0
GLOBAL X FDS US INFR DEV ETF 37954Y673 765 33,191 SH   SOLE   33,191 0 0
HCA HEALTHCARE INC COM 40412C101 15 80 SH   SOLE   80 0 0
HOME DEPOT INC COM 437076102 636 2,306 SH   SOLE   2,306 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 41 155 SH   SOLE   155 0 0
INTUIT COM 461202103 87 225 SH   SOLE   225 0 0
INVESCO MUNI INCOME OPP TRST COM 46132X101 165 28,200 SH   SOLE   28,200 0 0
INVESCO EXCHANGE TRADED FD T WILDERHIL CLAN 46137V134 1,244 25,818 SH   SOLE   25,818 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 993 24,995 SH   SOLE   24,995 0 0
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 36 1,500 SH   SOLE   1,500 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 1,850 31,990 SH   SOLE   31,990 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 277 23,324 SH   SOLE   23,324 0 0
INVESCO EXCH TRADED FD TR II KBW HIG DV YLD 46138E610 14 1,000 SH   SOLE   1,000 0 0
INVESCO DB MULTI-SECTOR COMM AGRICULTURE FD 46140H106 45 2,250 SH   SOLE   2,250 0 0
ISHARES TR SELECT DIVID ETF 464287168 2,584 24,096 SH   SOLE   24,096 0 0
ISHARES TR TIPS BD ETF 464287176 17 160 SH   SOLE   160 0 0
ISHARES TR US TRSPRTION 464287192 236 1,200 SH   SOLE   1,200 0 0
ISHARES TR CORE US AGGBD ET 464287226 8,518 88,416 SH   SOLE   88,416 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,845 52,890 SH   SOLE   52,890 0 0
ISHARES TR IBOXX INV CP ETF 464287242 2,853 27,843 SH   SOLE   27,843 0 0
ISHARES TR MSCI EAFE ETF 464287465 3,022 53,948 SH   SOLE   53,948 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 788 8,200 SH   SOLE   8,200 0 0
ISHARES TR CORE S&P MCP ETF 464287507 22 100 SH   SOLE   100 0 0
ISHARES TR ISHARES BIOTECH 464287556 1,837 15,703 SH   SOLE   15,703 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 530 3,900 SH   SOLE   3,900 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 2,536 12,054 SH   SOLE   12,054 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 79 476 SH   SOLE   476 0 0
ISHARES TR EUROPE ETF 464287861 2,003 53,050 SH   SOLE   53,050 0 0
ISHARES TR S&P SML 600 GWT 464287887 1,593 15,664 SH   SOLE   15,664 0 0
ISHARES TR AGENCY BOND ETF 464288166 181 1,696 SH   SOLE   1,696 0 0
ISHARES TR GL CLEAN ENE ETF 464288224 1,937 101,461 SH   SOLE   101,461 0 0
ISHARES TR NATIONAL MUN ETF 464288414 806 7,856 SH   SOLE   7,856 0 0
ISHARES TR IBOXX HI YD ETF 464288513 24 335 SH   SOLE   335 0 0
ISHARES TR PFD AND INCM SEC 464288687 1,096 34,615 SH   SOLE   34,615 0 0
ISHARES TR US AER DEF ETF 464288760 182 2,000 SH   SOLE   2,000 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 25 270 SH   SOLE   270 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 72 750 SH   SOLE   750 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 525 10,657 SH   SOLE   10,657 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 6,231 135,161 SH   SOLE   135,161 0 0
ISHARES TR BLACKROCK ULTRA 46434V878 24 479 SH   SOLE   479 0 0
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303 2 136 SH   SOLE   136 0 0
LOWES COS INC COM 548661107 3 17 SH   SOLE   17 0 0
MASTERCARD INCORPORATED CL A 57636Q104 1,442 5,070 SH   SOLE   5,070 0 0
MICROSOFT CORP COM 594918104 374 1,605 SH   SOLE   1,605 0 0
NETFLIX INC COM 64110L106 796 3,380 SH   SOLE   3,380 0 0
NEXTERA ENERGY INC COM 65339F101 1,762 22,476 SH   SOLE   22,476 0 0
NOVO-NORDISK A S ADR 670100205 20 200 SH   SOLE   200 0 0
NVIDIA CORPORATION COM 67066G104 827 6,809 SH   SOLE   6,809 0 0
NUVEEN MUN HIGH INCOME OPPOR COM 670682103 30 2,919 SH   SOLE   2,919 0 0
NUVEEN MUN VALUE FD INC COM 670928100 30 3,577 SH   SOLE   3,577 0 0
OLD DOMINION FREIGHT LINE IN COM 679580100 1,311 5,270 SH   SOLE   5,270 0 0
OMEGA HEALTHCARE INVS INC COM 681936100 123 4,165 SH   SOLE   4,165 0 0
OTIS WORLDWIDE CORP COM 68902V107 0 0 SH   SOLE   0 0 0
PALO ALTO NETWORKS INC COM 697435105 64 390 SH   SOLE   390 0 0
PAYPAL HLDGS INC COM 70450Y103 846 9,831 SH   SOLE   9,831 0 0
PEPSICO INC COM 713448108 58 355 SH   SOLE   355 0 0
PFIZER INC COM 717081103 444 10,139 SH   SOLE   10,139 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 6,585 66,614 SH   SOLE   66,614 0 0
PROCTER AND GAMBLE CO COM 742718109 336 2,664 SH   SOLE   2,664 0 0
PUTNAM MANAGED MUN INCOME TR COM 746823103 448 79,506 SH   SOLE   79,506 0 0
REPUBLIC SVCS INC COM 760759100 2,530 18,596 SH   SOLE   18,596 0 0
RESIDEO TECHNOLOGIES INC COM 76118Y104 0 0 SH   SOLE   0 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,478 4,137 SH   SOLE   4,137 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649 22 885 SH   SOLE   885 0 0
SPDR SER TR S&P REGL BKG 78464A698 2,123 36,053 SH   SOLE   36,053 0 0
SPDR SER TR S&P HOMEBUILD 78464A888 2,514 45,966 SH   SOLE   45,966 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 714 1,779 SH   SOLE   1,779 0 0
SPDR SER TR BLOOMBERG INVT 78468R200 5,909 195,015 SH   SOLE   195,015 0 0
SPDR SER TR S&P OILGAS EXP 78468R556 62 500 SH   SOLE   500 0 0
SCHLUMBERGER LTD COM STK 806857108 150 4,191 SH   SOLE   4,191 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,896 31,319 SH   SOLE   31,319 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,151 56,892 SH   SOLE   56,892 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 3,942 57,961 SH   SOLE   57,961 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 3,101 25,603 SH   SOLE   25,603 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 3,420 51,246 SH   SOLE   51,246 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 1,808 12,690 SH   SOLE   12,690 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 230 3,200 SH   SOLE   3,200 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 951 31,323 SH   SOLE   31,323 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 3,587 43,306 SH   SOLE   43,306 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 5,307 44,681 SH   SOLE   44,681 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 2,213 46,211 SH   SOLE   46,211 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 26 729 SH   SOLE   729 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 4,046 61,755 SH   SOLE   61,755 0 0
SOUTHERN CO COM 842587107 278 4,087 SH   SOLE   4,087 0 0
TESLA INC COM 88160R101 24 90 SH   SOLE   90 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 779 1,536 SH   SOLE   1,536 0 0
3M CO COM 88579Y101 613 5,547 SH   SOLE   5,547 0 0
TOLL BROTHERS INC COM 889478103 638 15,198 SH   SOLE   15,198 0 0
TRAVELERS COMPANIES INC COM 89417E109 88 572 SH   SOLE   572 0 0
US BANCORP DEL COM NEW 902973304 288 7,140 SH   SOLE   7,140 0 0
UNION PAC CORP COM 907818108 73 373 SH   SOLE   373 0 0
VANECK ETF TRUST VANECK SHRT MUNI 92189F528 47 2,828 SH   SOLE   2,828 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 19 100 SH   SOLE   100 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,676 36,615 SH   SOLE   36,615 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 4,512 63,259 SH   SOLE   63,259 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 754 15,800 SH   SOLE   15,800 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,989 44,831 SH   SOLE   44,831 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,531 41,962 SH   SOLE   41,962 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 8,573 115,411 SH   SOLE   115,411 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 6,657 90,897 SH   SOLE   90,897 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 63 835 SH   SOLE   835 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 25 75 SH   SOLE   75 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 382 2,033 SH   SOLE   2,033 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 34 200 SH   SOLE   200 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,485 24,988 SH   SOLE   24,988 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 7 175 SH   SOLE   175 0 0
VMWARE INC CL A COM 928563402 193 1,812 SH   SOLE   1,812 0 0
WALMART INC COM 931142103 2,002 15,439 SH   SOLE   15,439 0 0
WARNER BROS DISCOVERY INC COM SER A 934423104 2 203 SH   SOLE   203 0 0
WASTE MGMT INC DEL COM 94106L109 181 1,130 SH   SOLE   1,130 0 0
WESTERN ASSET MANAGED MUNS F COM 95766M105 277 28,593 SH   SOLE   28,593 0 0
WILLDAN GROUP INC COM 96924N100 209 14,097 SH   SOLE   14,097 0 0
WINNEBAGO INDS INC COM 974637100 3 60 SH   SOLE   60 0 0
YUM BRANDS INC COM 988498101 234 2,197 SH   SOLE   2,197 0 0
CHUBB LIMITED COM H1467J104 88 482 SH   SOLE   482 0 0