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
VANGUARD SCOTTSDALE FDS VANGUARD SHORT-TERM CORPORATE BD INDEX FD ETF SHS SHRT TRM CORP BD 92206C409 22,003 264,296 SH   SOLE   0 0 264,296
ISHARES CORE 1-5 YEAR USD BOND ETF CORE 1 5 YR USD 46432F859 21,042 407,473 SH   SOLE   0 0 407,473
PIMCO ETF TR ACTIVE BD ETF ACTIVE BD ETF 72201R775 15,467 136,743 SH   SOLE   0 0 136,743
ISHARES TRUST CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 14,701 212,777 SH   SOLE   0 0 212,777
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF IBOXX INV CP ETF 464287242 14,018 101,481 SH   SOLE   0 0 101,481
ISHARES S&P MID-CAP 400 GROWTH ETF S&P MC 400GR ETF 464287606 11,850 163,455 SH   SOLE   0 0 163,455
ISHARES CORE S&P SMALL-CAP E CORE S&P SCP ETF 464287804 11,685 127,154 SH   SOLE   0 0 127,154
ISHARES TRUST 1-3 YEAR TREASURY BOND ETF 1 3 YR TREAS BD 464287457 7,665 88,738 SH   SOLE   0 0 88,738
ISHARES TRUST S & P MID CAPITAL S&P MC 400VL ETF 464287705 7,589 87,835 SH   SOLE   0 0 87,835
INNOVATOR ETFS TR S&P 500 ULTRA S&P 500 ULTRA 45782C425 6,436 246,992 SH   SOLE   0 0 246,992
AUTOMATIC DATA PROCESSING INC COM USD0.10 COM 053015103 4,690 26,617 SH   SOLE   0 0 26,617
ARK ETF TR INNOVATION ETF INNOVATION ETF 00214Q104 4,484 36,020 SH   SOLE   0 0 36,020
SPDR S&P EMERGING ASIA PACIFIC ETF ASIA PACIF ETF 78463X301 4,374 34,357 SH   SOLE   0 0 34,357
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408 4,035 31,864 SH   SOLE   0 0 31,864
APPLE INC COM USD0.00001 COM 037833100 4,008 30,202 SH   SOLE   0 0 30,202
ISHARES S&P 500 GROWTH ETF S&P 500 GRWT ETF 464287309 3,595 54,373 SH   SOLE   0 0 54,373
WORLD GOLD TR SPDR GLD MINIS SPDR GLD MINIS 98149E204 3,295 173,961 SH   SOLE   0 0 173,961
JPMORGAN CHASE & CO COM 46625H100 3,101 24,400 SH   SOLE   0 0 24,400
BK OF AMERICA CORP COM COM 060505104 2,527 83,371 SH   SOLE   0 0 83,371
VIACOMCBS INC CL B CL B 92556H206 2,423 65,020 SH   SOLE   0 0 65,020
WALMART INC COM COM 931142103 2,331 16,174 SH   SOLE   0 0 16,174
ELECTRONIC ARTS INC COM 285512109 2,330 16,225 SH   SOLE   0 0 16,225
HP INC COM COM 40434L105 2,266 92,151 SH   SOLE   0 0 92,151
QUALCOMM INC COM 747525103 2,256 14,806 SH   SOLE   0 0 14,806
GENERAL MTRS CO COM COM 37045V100 2,238 53,737 SH   SOLE   0 0 53,737
CBRE GROUP INC COM USD0.01 CLASS A CL A 12504L109 2,203 35,125 SH   SOLE   0 0 35,125
PACCAR INC COM USD1.00 COM 693718108 2,165 25,097 SH   SOLE   0 0 25,097
TEXTRON INC COM 883203101 2,160 44,699 SH   SOLE   0 0 44,699
CISCO SYSTEMS INC COM 17275R102 2,150 48,038 SH   SOLE   0 0 48,038
PULTE GROUP INC COM USD0.01 COM 745867101 2,139 49,607 SH   SOLE   0 0 49,607
PNC FINANCIAL SERVICES GROUP COM USD5 COM 693475105 2,113 14,182 SH   SOLE   0 0 14,182
HUMANA INC COM 444859102 2,028 4,944 SH   SOLE   0 0 4,944
AMGEN INC COM 031162100 1,976 8,596 SH   SOLE   0 0 8,596
NUCOR CORP COM USD0.40 COM 670346105 1,946 36,581 SH   SOLE   0 0 36,581
NORTONLIFELOCK INC COM COM 668771108 1,929 92,844 SH   SOLE   0 0 92,844
VISTRA CORP COM COM 92840M102 1,875 95,375 SH   SOLE   0 0 95,375
GENERAL DYNAMICS CORP COM USD1.00 COM 369550108 1,817 12,210 SH   SOLE   0 0 12,210
SPDR GOLD TR GOLD SHS GOLD SHS 78463V107 1,800 10,091 SH   SOLE   0 0 10,091
REGENERON PHARMACEUTICALS INC COM 75886F107 1,795 3,716 SH   SOLE   0 0 3,716
VALERO ENERGY CORP COM COM 91913Y100 1,792 31,675 SH   SOLE   0 0 31,675
COLGATE-PALMOLIVE CO COM USD1.00 COM 194162103 1,727 20,191 SH   SOLE   0 0 20,191
AT&T INC COM USD1 COM 00206R102 1,682 58,468 SH   SOLE   0 0 58,468
EBAY INC. COM COM 278642103 1,574 31,320 SH   SOLE   0 0 31,320
GILEAD SCIENCES INC COM USD0.001 COM 375558103 1,550 26,612 SH   SOLE   0 0 26,612
SELECT SECTOR SPDR TRUST TECHNOLOGY SELECT SECTOR USD DIS TECHNOLOGY 81369Y803 1,493 11,482 SH   SOLE   0 0 11,482
UNITED PARCEL SERVICE INC CL B 911312106 856 5,084 SH   SOLE   0 0 5,084
ISHARES INC MSCI WORLD ETF MSCI WORLD ETF 464286392 776 6,900 SH   SOLE   0 0 6,900
ISHARES TR RUS 1000 GRW ETF RUS 1000 GRW ETF 464287614 659 2,915 SH   SOLE   0 0 2,915
NEXTERA ENERGY INC COM USD0.01 COM 65339F101 617 8,000 SH   SOLE   0 0 8,000
UNION BANKSHARES INC/VT COM USD2 COM 905400107 608 23,653 SH   SOLE   0 0 23,653
VANGUARD IDX FUND TOTAL STK MKT 922908769 560 2,875 SH   SOLE   0 0 2,875
ISHARES TR US TREAS BD ETF US TREAS BD ETF 46429B267 402 14,774 SH   SOLE   0 0 14,774
ISHARES TR 3 7 YR TREAS BD 3 7 YR TREAS BD 464288661 395 2,969 SH   SOLE   0 0 2,969
CDK GLOBAL INC COM USD0.01 COM 12508E101 378 7,300 SH   SOLE   0 0 7,300
BROADRIDGE FINANCIAL SOLUTION INC COM USD0.01 COM 11133T103 276 1,800 SH   SOLE   0 0 1,800
NUSHARES ETF TR NUVEEN ESG SMLCP NUVEEN ESG SMLCP 67092P607 264 6,880 SH   SOLE   0 0 6,880
SAREPTA THERAPEUTICS INC COM 803607100 256 1,500 SH   SOLE   0 0 1,500
ISHARES INC CORE MSCI EMERGING MKTS ETF CORE MSCI EMKT 46434G103 235 3,971 SH   SOLE   0 0 3,971
AMAZON.COM INC COM 023135106 231 71 SH   SOLE   0 0 71
GOLDMAN SACHS GROUP INC COM USD0.01 COM 38141G104 223 847 SH   SOLE   0 0 847
ISHARES TR S&P SMALL CAP 600 GROWTH ETF S&P SML 600 GWT 464287887 216 1,820 SH   SOLE   0 0 1,820
ARES CAPITAL CORP COM COM 04010L103 211 12,500 SH   SOLE   0 0 12,500
VIRNETX HOLDING CORP COM 92823T108 150 29,700 SH   SOLE   0 0 29,700
ZIOPHARM ONCOLOGY INC COM 98973P101 30 11,955 SH   SOLE   0 0 11,955