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
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 24,200 293,158 SH   SOLE   0 0 293,158
ISHARES TR CORE 1 5 YR USD 46432F859 23,810 464,216 SH   SOLE   0 0 464,216
PIMCO ETF TR ACTIVE BD ETF 72201R775 17,508 157,993 SH   SOLE   0 0 157,993
ISHARES TR CORE MSCI EAFE 46432F842 16,812 229,412 SH   SOLE   0 0 229,412
ISHARES TR CORE S&P SCP ETF 464287804 16,920 151,716 SH   SOLE   0 0 151,716
ISHARES TR S&P MC 400GR ETF 464287606 11,894 149,830 SH   SOLE   0 0 149,830
ISHARES TR IBOXX INV CP ETF 464287242 10,361 77,175 SH   SOLE   0 0 77,175
ISHARES TR S&P MC 400VL ETF 464287705 9,328 89,598 SH   SOLE   0 0 89,598
ISHARES TR 1 3 YR TREAS BD 464287457 8,516 98,836 SH   SOLE   0 0 98,836
INNOVATOR ETFS TR S&P 500 ULTRA BF 45782C292 5,376 192,230 SH   SOLE   0 0 192,230
AUTOMATIC DATA PROCESSING IN COM 053015103 4,852 24,429 SH   SOLE   0 0 24,429
SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301 4,640 34,489 SH   SOLE   0 0 34,489
ISHARES TR S&P 500 VAL ETF 464287408 3,914 29,649 SH   SOLE   0 0 29,649
ISHARES TR S&P 500 GRWT ETF 464287309 3,011 54,705 SH   SOLE   0 0 54,705
APPLE INC COM 037833100 3,967 28,962 SH   SOLE   0 0 28,962
WORLD GOLD TR SPDR GLD MINIS 98149E204 3,694 209,749 SH   SOLE   0 0 209,749
JPMORGAN CHASE &CO COM 46625H100 3,195 20,542 SH   SOLE   0 0 20,542
BK OF AMERICA CORP COM 060505104 2,911 70,606 SH   SOLE   0 0 70,606
TEXTRON INC COM 883203101 2,715 39,486 SH   SOLE   0 0 39,486
NORTONLIFELOCK INC COM 668771108 2,530 92,954 SH   SOLE   0 0 92,954
CISCO SYS INC COM 17275R102 2,516 47,475 SH   SOLE   0 0 47,475
GENERAL MTRS CO COM 37045V100 2,510 42,425 SH   SOLE   0 0 42,425
CBRE GROUP INC CL A 12504L109 2,473 28,841 SH   SOLE   0 0 28,841
NUCOR CORP COM 670346105 2,446 25,496 SH   SOLE   0 0 25,496
PNC FINL SVCS GROUP INC COM 693475105 2,413 12,648 SH   SOLE   0 0 12,648
EBAY INC. COM 278642103 2,330 33,189 SH   SOLE   0 0 33,189
WALMART INC COM 931142103 2,324 16,481 SH   SOLE   0 0 16,481
PULTE GROUP INC COM 745867101 2,311 42,356 SH   SOLE   0 0 42,356
GENERAL DYNAMICS CORP COM 369550108 2,249 11,949 SH   SOLE   0 0 11,949
VALERO ENERGY CORP COM 91913Y100 2,239 28,681 SH   SOLE   0 0 28,681
HUMANA INC COM 444859102 2,233 5,044 SH   SOLE   0 0 5,044
HP INC COM 40434L105 2,190 72,556 SH   SOLE   0 0 72,556
REGENERON PHARMACEUTICALS COM 75886F107 2,182 3,907 SH   SOLE   0 0 3,907
PACCAR INC COM 693718108 2,154 24,139 SH   SOLE   0 0 24,139
AMGEN INC COM 031162100 2,131 8,741 SH   SOLE   0 0 8,741
VIACOMCBS INC CL B 92556H206 2,039 45,111 SH   SOLE   0 0 45,111
AT&T INC COM 00206R102 2,031 70,579 SH   SOLE   0 0 70,579
QUALCOMM INC COM 747525103 2,021 14,140 SH   SOLE   0 0 14,140
COLGATE PALMOLIVE CO COM 194162103 2,019 24,813 SH   SOLE   0 0 24,813
VISTRA CORP COM 92840M102 2,014 108,571 SH   SOLE   0 0 108,571
ALPHABET INC CAP STK CL A 02079K305 1,919 786 SH   SOLE   0 0 786
GILEAD SCIENCES INC COM 375558103 1,901 27,606 SH   SOLE   0 0 27,606
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 2,248 12,539 SH   SOLE   0 0 12,539
SPDR GOLD TR GOLD SHS 78463V107 1,645 10,065 SH   SOLE   0 0 10,065
PRUDENTIAL FINL INC COM 744320102 1,660 16,196 SH   SOLE   0 0 16,196
ISHARES INC MSCI WORLD ETF 464286392 873 6,900 SH   SOLE   0 0 6,900
UNITED PARCEL SERVICE INC CL B 911312106 849 4,084 SH   SOLE   0 0 4,084
NEXTERA ENERGY INC COM 65339F101 733 10,000 SH   SOLE   0 0 10,000
VANGUARD INDEX FDS TOTAL STK MKT 922908769 697 3,127 SH   SOLE   0 0 3,127
ISHARES TR RUS 1000 GRW ETF 464287614 537 1,977 SH   SOLE   0 0 1,977
ISHARES TR 3 7 YR TREAS BD 464288661 368 2,819 SH   SOLE   0 0 2,819
CDK GLOBAL INC COM 12508E101 348 7,000 SH   SOLE   0 0 7,000
ISHARES TR CORE US AGGBD ET 464287226 278 2,871 SH   SOLE   0 0 2,871
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 311 6,880 SH   SOLE   0 0 6,880
COLUMBIA FINL INC COM 197641103 293 17,000 SH   SOLE   0 0 17,000
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 275 1,700 SH   SOLE   0 0 1,700
GOLDMAN SACHS GROUP INC COM 38141G104 268 707 SH   SOLE   0 0 707
ARES CAPITAL CORP COM 04010L103 245 12,500 SH   SOLE   0 0 12,500
AMAZON COM INC COM 023135106 244 71 SH   SOLE   0 0 71
ISHARES TR ESG AWR MSCI USA 46435G425 229 2,330 SH   SOLE   0 0 2,330
IDEXX LABS INC COM 45168D104 206 326 SH   SOLE   0 0 326
DISNEY WALT CO COM 254687106 202 1,151 SH   SOLE   0 0 1,151
VIRNETX HLDG CORP COM 92823T108 127 29,700 SH   SOLE   0 0 29,700
ZIOPHARM ONCOLOGY INC COM 98973P101 32 11,955 SH   SOLE   0 0 11,955