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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 BBG001S5T7X2 371,115 2,527 SH   SOLE   2,527 0 0
ABBOTT LABS COM 002824100 BBG001S5N9M6 840,338 6,335 SH   SOLE   6,335 0 0
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 1,443,574 6,890 SH   SOLE   6,890 0 0
ABRDN JAPAN EQUITY FUND INC COM 00306J109 BBG001S73FJ4 575,197 88,467 SH   SOLE   88,467 0 0
ABRDN TOTAL DYNAMIC DIVIDEND COM SH BEN INT 00326L100 BBG001SS0YX4 204,302 24,351 SH   SOLE   24,351 0 0
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 956,640 9,311 SH   SOLE   9,311 0 0
AIR PRODS & CHEMS INC COM 009158106 BBG001S5NSB6 272,801 925 SH   SOLE   925 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 1,583,183 10,238 SH   SOLE   10,238 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 1,455,391 9,316 SH   SOLE   9,316 0 0
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 467,802 7,794 SH   SOLE   7,794 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 2,285,472 12,012 SH   SOLE   12,012 0 0
AMGEN INC COM 031162100 BBG001S5NNL6 457,044 1,467 SH   SOLE   1,467 0 0
APPLE INC COM 037833100 BBG001S5N8V8 4,538,000 20,429 SH   SOLE   20,429 0 0
APPLIED MATLS INC COM 038222105 BBG001S5NMM7 929,058 6,402 SH   SOLE   6,402 0 0
ARES CAPITAL CORP COM 04010L103 BBG001SL96Z9 224,060 10,111 SH   SOLE   10,111 0 0
AT&T INC COM 00206R102 BBG001S5VWH2 538,584 19,045 SH   SOLE   19,045 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 291,781 955 SH   SOLE   955 0 0
AUTOZONE INC COM 053332102 BBG001S6Q5D9 320,274 84 SH   SOLE   84 0 0
B2GOLD CORP COM 11777Q209 BBG001T0CNW6 55,828 19,589 SH   SOLE   19,589 0 0
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 348,853 8,360 SH   SOLE   8,360 0 0
BHP GROUP LTD SPONSORED ADS 088606108 BBG001S5P5K4 232,595 4,792 SH   SOLE   4,792 0 0
BLACKROCK ENHANCED INTL DIV COM BENE INTER 092524107 BBG001SSV2L3 154,814 27,596 SH   SOLE   27,596 0 0
BLACKROCK INNOVATION AND GRW SHS BEN INT 09260Q108 BBG00ZSNML46 85,073 13,590 SH   SOLE   13,590 0 0
BLACKROCK MUN TARGET TERM TR COM SHS BEN IN 09257P105 BBG003BPM0W5 460,840 21,707 SH   SOLE   21,707 0 0
BP PLC SPONSORED ADR 055622104 BBG001S5W4F5 317,096 9,384 SH   SOLE   9,384 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 302,442 4,959 SH   SOLE   4,959 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 574,370 3,433 SH   SOLE   3,433 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105 BBG001SP50B3 228,707 4,555 SH   SOLE   4,555 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 365,261 5,919 SH   SOLE   5,919 0 0
CITIGROUP INC COM NEW 172967424 BBG001S72ZG4 210,633 2,967 SH   SOLE   2,967 0 0
COCA COLA CO COM 191216100 BBG001S5SMQ8 1,219,271 17,024 SH   SOLE   17,024 0 0
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 219,964 5,961 SH   SOLE   5,961 0 0
CONOCOPHILLIPS COM 20825C104 BBG001S5TZM2 648,166 6,172 SH   SOLE   6,172 0 0
CONSTELLATION ENERGY CORP COM 21037T109 BBG014KFRPJ9 429,069 2,128 SH   SOLE   2,128 0 0
CORNING INC COM 219350105 BBG001S5RLH1 247,670 5,410 SH   SOLE   5,410 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 538,163 569 SH   SOLE   569 0 0
CSX CORP COM 126408103 BBG001S5Q7Q3 355,985 12,096 SH   SOLE   12,096 0 0
DISNEY WALT CO COM 254687106 BBG001S5QHF3 874,155 8,857 SH   SOLE   8,857 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 2,403,719 19,707 SH   SOLE   19,707 0 0
EATON VANCE RISK-MANAGED DIV COM 27829G106 BBG001SV50F6 223,987 26,476 SH   SOLE   26,476 0 0
EATON VANCE TAX-MANAGED GLOB COM 27829F108 BBG001SPXHX1 201,823 24,794 SH   SOLE   24,794 0 0
EBAY INC. COM 278642103 BBG001S9B9J5 219,806 3,245 SH   SOLE   3,245 0 0
ELI LILLY & CO COM 532457108 BBG001S5STL8 1,048,080 1,269 SH   SOLE   1,269 0 0
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 229,805 2,096 SH   SOLE   2,096 0 0
ENBRIDGE INC COM 29250N105 BBG001S6Q6D7 269,926 6,092 SH   SOLE   6,092 0 0
ENTERGY CORP NEW COM 29364G103 BBG001S67KF5 244,692 2,862 SH   SOLE   2,862 0 0
EQUITY RESIDENTIAL SH BEN INT 29476L107 BBG001S723L9 231,091 3,228 SH   SOLE   3,228 0 0
EXELON CORP COM 30161N101 BBG001SBJMT2 269,798 5,855 SH   SOLE   5,855 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 1,038,940 8,736 SH   SOLE   8,736 0 0
FORD MTR CO COM 345370860 BBG001S5TZ33 116,085 11,574 SH   SOLE   11,574 0 0
FREEPORT-MCMORAN INC CL B 35671D857 BBG001S5R3F3 348,539 9,206 SH   SOLE   9,206 0 0
GALLAGHER ARTHUR J & CO COM 363576109 BBG001S5NKC2 421,363 1,220 SH   SOLE   1,220 0 0
GE AEROSPACE COM NEW 369604301 BBG001S5PVD5 417,224 2,085 SH   SOLE   2,085 0 0
GILEAD SCIENCES INC COM 375558103 BBG001S6Y1X7 269,283 2,403 SH   SOLE   2,403 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 BBG00DRGSD25 2,231,003 22,270 SH   SOLE   22,270 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 BBG00B0SKXY1 200,205 1,819 SH   SOLE   1,819 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 BBG001SC07Z6 242,006 443 SH   SOLE   443 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 2,599,604 7,093 SH   SOLE   7,093 0 0
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 1,687,597 7,970 SH   SOLE   7,970 0 0
INTUIT COM 461202103 BBG001S6TWR2 215,510 351 SH   SOLE   351 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 BBG001S7XR78 298,153 602 SH   SOLE   602 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 256,968 548 SH   SOLE   548 0 0
INVESCO QUALITY MUN INCOME T COM 46133G107 BBG001S746Q5 104,854 10,832 SH   SOLE   10,832 0 0
ISHARES TR 0-3 MNTH TREASRY 46436E718 BBG00TZR7YF0 2,800,469 27,818 SH   SOLE   27,818 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 1,564,817 15,123 SH   SOLE   15,123 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 329,327 5,644 SH   SOLE   5,644 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 5,746,795 10,227 SH   SOLE   10,227 0 0
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 279,291 6,061 SH   SOLE   6,061 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 745,306 7,534 SH   SOLE   7,534 0 0
ISHARES TR GRWT ALLOCAT ETF 464289867 BBG001T3YV58 325,846 5,660 SH   SOLE   5,660 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 444,412 8,486 SH   SOLE   8,486 0 0
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 495,721 5,286 SH   SOLE   5,286 0 0
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 210,945 2,581 SH   SOLE   2,581 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 313,855 3,351 SH   SOLE   3,351 0 0
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 277,349 1,372 SH   SOLE   1,372 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 222,478 2,110 SH   SOLE   2,110 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 308,013 1,544 SH   SOLE   1,544 0 0
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 309,497 2,786 SH   SOLE   2,786 0 0
JAPAN SMALLER CAPITALIZATION COM 47109U104 BBG001S6JF54 125,850 15,000 SH   SOLE   15,000 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 798,014 4,812 SH   SOLE   4,812 0 0
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 709,889 2,894 SH   SOLE   2,894 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 BBG001S5S0N9 206,589 987 SH   SOLE   987 0 0
LENNAR CORP CL A 526057104 BBG001S5SRK3 289,590 2,523 SH   SOLE   2,523 0 0
M & T BK CORP COM 55261F104 BBG001S7S2B4 233,148 1,304 SH   SOLE   1,304 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 1,399,591 4,481 SH   SOLE   4,481 0 0
MCKESSON CORP COM 58155Q103 BBG001S8F8P8 258,428 384 SH   SOLE   384 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 610,817 6,805 SH   SOLE   6,805 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 722,341 1,253 SH   SOLE   1,253 0 0
MICRON TECHNOLOGY INC COM 595112103 BBG001S6P675 511,063 5,882 SH   SOLE   5,882 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 4,693,510 12,503 SH   SOLE   12,503 0 0
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104 BBG001SFZ3S8 606,282 44,481 SH   SOLE   44,481 0 0
NEWMONT CORP COM 651639106 BBG001S5TKX3 299,861 6,211 SH   SOLE   6,211 0 0
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 797,494 11,250 SH   SOLE   11,250 0 0
NOMURA HLDGS INC SPONSORED ADR 65535H208 BBG001S6HZT6 92,250 15,000 SH   SOLE   15,000 0 0
NORFOLK SOUTHN CORP COM 655844108 BBG001S5TQJ6 482,227 2,036 SH   SOLE   2,036 0 0
NUVEEN AMT FREE QLTY MUN INC COM 670657105 BBG001SKQWJ3 325,461 29,059 SH   SOLE   29,059 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 6,748,284 62,265 SH   SOLE   62,265 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 226,772 1,622 SH   SOLE   1,622 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 BBG001T53796 283,246 3,356 SH   SOLE   3,356 0 0
PAYCHEX INC COM 704326107 BBG001S5V135 430,920 2,793 SH   SOLE   2,793 0 0
PAYPAL HLDGS INC COM 70450Y103 BBG0077VNXW5 317,050 4,859 SH   SOLE   4,859 0 0
PEPSICO INC COM 713448108 BBG001S695T1 645,942 4,308 SH   SOLE   4,308 0 0
PFIZER INC COM 717081103 BBG001S5V466 348,038 13,735 SH   SOLE   13,735 0 0
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 345,754 2,178 SH   SOLE   2,178 0 0
PHILLIPS 66 COM 718546104 BBG00286S4P7 327,030 2,648 SH   SOLE   2,648 0 0
PPG INDS INC COM 693506107 BBG001S5VC13 535,706 4,899 SH   SOLE   4,899 0 0
PPL CORP COM 69351T106 BBG001S5VC31 302,793 8,385 SH   SOLE   8,385 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 1,652,945 9,699 SH   SOLE   9,699 0 0
PUBLIC STORAGE OPER CO COM 74460D109 BBG001S5TH79 234,643 784 SH   SOLE   784 0 0
PUTNAM MUN OPPORTUNITIES TR SH BEN INT 746922103 BBG001S7C0P0 126,641 12,428 SH   SOLE   12,428 0 0
REPUBLIC SVCS INC COM 760759100 BBG001S9DL33 395,566 1,633 SH   SOLE   1,633 0 0
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 1,036,968 7,829 SH   SOLE   7,829 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 788,448 39,861 SH   SOLE   39,861 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 1,485,064 59,737 SH   SOLE   59,737 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 5,002,055 205,508 SH   SOLE   205,508 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 4,685,297 217,617 SH   SOLE   217,617 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 414,858 14,838 SH   SOLE   14,838 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 1,825,707 82,686 SH   SOLE   82,686 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 328,944 3,520 SH   SOLE   3,520 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 BBG001S7T223 1,584,075 31,802 SH   SOLE   31,802 0 0
SELECT SECTOR SPDR TR INDL 81369Y704 BBG001S7T232 1,497,819 11,428 SH   SOLE   11,428 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 301,073 2,062 SH   SOLE   2,062 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 BBG001S7TD56 327,701 4,156 SH   SOLE   4,156 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 3,383,608 16,387 SH   SOLE   16,387 0 0
SHELL PLC SPON ADS 780259305 BBG0147BN6H1 272,675 3,721 SH   SOLE   3,721 0 0
SONY GROUP CORP SPONSORED ADR 835699307 BBG001S5W6H8 2,502,838 98,576 SH   SOLE   98,576 0 0
SOUTHERN CO COM 842587107 BBG001S5W777 764,502 8,314 SH   SOLE   8,314 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 BBG001S8LH99 419,880 1,000 SH   SOLE   1,000 0 0
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 470,821 1,634 SH   SOLE   1,634 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 8,099,343 14,479 SH   SOLE   14,479 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 443,963 6,528 SH   SOLE   6,528 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 BBG0029J2KF1 463,722 15,859 SH   SOLE   15,859 0 0
THE CAMPBELLS COMPANY COM 134429109 BBG001S5Q2B0 272,534 6,827 SH   SOLE   6,827 0 0
TOYOTA MOTOR CORP ADS 892331307 BBG001SDB327 268,326 1,520 SH   SOLE   1,520 0 0
TRI CONTL CORP COM 895436103 BBG001S5WZ75 478,841 15,613 SH   SOLE   15,613 0 0
TRUIST FINL CORP COM 89832Q109 BBG001S5YYC0 426,350 10,361 SH   SOLE   10,361 0 0
UNION PAC CORP COM 907818108 BBG001S5X2M0 439,932 1,862 SH   SOLE   1,862 0 0
UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 322,444 2,932 SH   SOLE   2,932 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 573,701 1,095 SH   SOLE   1,095 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106 BBG001SR42Z0 317,511 6,907 SH   SOLE   6,907 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 700,462 9,148 SH   SOLE   9,148 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 4,722,647 60,330 SH   SOLE   60,330 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 573,374 7,806 SH   SOLE   7,806 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 BBG001SK3J43 971,252 5,638 SH   SOLE   5,638 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 309,817 603 SH   SOLE   603 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 4,700,041 17,101 SH   SOLE   17,101 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 955,888 8,244 SH   SOLE   8,244 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 1,148,101 23,008 SH   SOLE   23,008 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 227,146 3,824 SH   SOLE   3,824 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 236,690 5,111 SH   SOLE   5,111 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 2,846,397 48,499 SH   SOLE   48,499 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 916,157 4,723 SH   SOLE   4,723 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 1,470,098 23,673 SH   SOLE   23,673 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 276,365 6,093 SH   SOLE   6,093 0 0
WALMART INC COM 931142103 BBG001S5XH92 4,577,471 52,141 SH   SOLE   52,141 0 0
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 663,684 2,867 SH   SOLE   2,867 0 0
WEC ENERGY GROUP INC COM 92939U106 BBG001S5XDC7 325,271 2,985 SH   SOLE   2,985 0 0
WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 347,746 4,844 SH   SOLE   4,844 0 0