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
3M CO COM 88579Y101 981 8,877 SH   SOLE   8,877 0 0
ABBOTT LABS COM 002824100 317 3,277 SH   SOLE   3,277 0 0
ABBVIE INC COM 00287Y109 236 1,756 SH   SOLE   1,756 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 299 1,088 SH   SOLE   1,088 0 0
ALPHABET INC CAP STK CL A 02079K305 1,478 15,453 SH   SOLE   15,453 0 0
ALPHABET INC CAP STK CL C 02079K107 1,714 17,822 SH   SOLE   17,822 0 0
AMAZON COM INC COM 023135106 1,356 12,002 SH   SOLE   12,002 0 0
AMERICAN EXPRESS CO COM 025816109 1,232 9,131 SH   SOLE   9,131 0 0
APPLE INC COM 037833100 5,433 39,315 SH   SOLE   39,315 0 0
BECTON DICKINSON & CO COM 075887109 774 3,475 SH   SOLE   3,475 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 631 2,364 SH   SOLE   2,364 0 0
BK OF AMERICA CORP COM 060505104 502 16,638 SH   SOLE   16,638 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 603 8,481 SH   SOLE   8,481 0 0
CATERPILLAR INC COM 149123101 264 1,611 SH   SOLE   1,611 0 0
CISCO SYS INC COM 17275R102 1,464 36,597 SH   SOLE   36,597 0 0
CLOROX CO DEL COM 189054109 409 3,187 SH   SOLE   3,187 0 0
CME GROUP INC COM 12572Q105 624 3,521 SH   SOLE   3,521 0 0
COLGATE PALMOLIVE CO COM 194162103 560 7,977 SH   SOLE   7,977 0 0
COMCAST CORP NEW CL A 20030N101 417 14,231 SH   SOLE   14,231 0 0
COSTCO WHSL CORP NEW COM 22160K105 554 1,172 SH   SOLE   1,172 0 0
CSX CORP COM 126408103 364 13,654 SH   SOLE   13,654 0 0
DANAHER CORPORATION COM 235851102 1,479 5,725 SH   SOLE   5,725 0 0
DEERE & CO COM 244199105 497 1,490 SH   SOLE   1,490 0 0
DISNEY WALT CO COM 254687106 1,419 15,045 SH   SOLE   15,045 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 647 6,954 SH   SOLE   6,954 0 0
Dominion Energy, Inc. COM 25746u109 586 8,485 SH   SOLE   8,485 0 0
EATON CORP PLC SHS G29183103 603 4,525 SH   SOLE   4,525 0 0
ECOLAB INC COM 278865100 616 4,268 SH   SOLE   4,268 0 0
ELECTRONIC ARTS INC COM 285512109 370 3,195 SH   SOLE   3,195 0 0
ESSENTIAL UTILS INC COM 29670G102 236 5,714 SH   SOLE   5,714 0 0
EXXON MOBIL CORP COM 30231G102 1,149 13,161 SH   SOLE   13,161 0 0
FEDEX CORP COM 31428X106 516 3,476 SH   SOLE   3,476 0 0
FORD MTR CO DEL COM 345370860 158 14,143 SH   SOLE   14,143 0 0
GENERAL DYNAMICS CORP COM 369550108 1,011 4,763 SH   SOLE   4,763 0 0
GILEAD SCIENCES INC COM 375558103 334 5,418 SH   SOLE   5,418 0 0
GSK PLC SPONSORED ADR 37733W204 264 8,980 SH   SOLE   8,980 0 0
HALEON PLC SPON ADS 405552100 68 11,225 SH   SOLE   11,225 0 0
HOME DEPOT INC COM 437076102 1,069 3,875 SH   SOLE   3,875 0 0
IDEXX LABS INC COM 45168D104 535 1,641 SH   SOLE   1,641 0 0
ILLINOIS TOOL WKS INC COM 452308109 270 1,494 SH   SOLE   1,494 0 0
INTEL CORP COM 458140100 618 23,994 SH   SOLE   23,994 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 307 2,585 SH   SOLE   2,585 0 0
INTUIT COM 461202103 213 550 SH   SOLE   550 0 0
ISHARES GOLD TR ISHARES NEW 464285204 2,159 68,478 SH   SOLE   68,478 0 0
ISHARES INC CORE MSCI EMKT 46434G103 927 21,573 SH   SOLE   21,573 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 233 8,437 SH   SOLE   8,437 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 218 2,123 SH   SOLE   2,123 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 5,069 102,868 SH   SOLE   102,868 0 0
ISHARES TR TIPS BD ETF 464287176 668 6,372 SH   SOLE   6,372 0 0
ISHARES TR TRS FLT RT BD 46434V860 608 12,045 SH   SOLE   12,045 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 420 5,173 SH   SOLE   5,173 0 0
ISHARES TR U.S. FINLS ETF 464287788 623 9,230 SH   SOLE   9,230 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 2,423 21,204 SH   SOLE   21,204 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 569 5,931 SH   SOLE   5,931 0 0
ISHARES TR A RATE CP BD ETF 46429B291 1,788 39,406 SH   SOLE   39,406 0 0
ISHARES TR CORE INTL AGGR 46435G672 730 15,100 SH   SOLE   15,100 0 0
ISHARES TR CORE MSCI EAFE 46432F842 2,175 41,299 SH   SOLE   41,299 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 231 1,100 SH   SOLE   1,100 0 0
ISHARES TR CORE S&P500 ETF 464287200 7,732 21,559 SH   SOLE   21,559 0 0
ISHARES TR CORE S&P MCP ETF 464287507 3,163 14,424 SH   SOLE   14,424 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,924 22,069 SH   SOLE   22,069 0 0
ISHARES TR CORE US AGGBD ET 464287226 1,409 14,624 SH   SOLE   14,624 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243 710 30,236 SH   SOLE   30,236 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 367 6,540 SH   SOLE   6,540 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 813 10,232 SH   SOLE   10,232 0 0
ISHARES TR ESG AWRE USD ETF 46435G193 378 17,338 SH   SOLE   17,338 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 3,012 59,918 SH   SOLE   59,918 0 0
ISHARES TR GNMA BOND ETF 46429B333 5,591 129,995 SH   SOLE   129,995 0 0
ISHARES TR INTRM GOV CR ETF 464288612 1,264 12,428 SH   SOLE   12,428 0 0
ISHARES TR NATIONAL MUN ETF 464288414 1,024 9,978 SH   SOLE   9,978 0 0
ISHARES TR JPMORGAN USD EMG 464288281 473 5,962 SH   SOLE   5,962 0 0
ISHARES TR MBS ETF 464288588 555 6,059 SH   SOLE   6,059 0 0
ISHARES TR MSCI EAFE ETF 464287465 255 4,549 SH   SOLE   4,549 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 1,467 30,383 SH   SOLE   30,383 0 0
ISHARES TR MSCI KLD400 SOC 464288570 677 10,107 SH   SOLE   10,107 0 0
ISHARES TR MSCI USA ESG SLC 464288802 1,395 18,376 SH   SOLE   18,376 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 618 3,749 SH   SOLE   3,749 0 0
JOHNSON & JOHNSON COM 478160104 3,055 18,704 SH   SOLE   18,704 0 0
JPMORGAN CHASE & CO COM 46625H100 992 9,491 SH   SOLE   9,491 0 0
KIMBERLY-CLARK CORP COM 494368103 281 2,500 SH   SOLE   2,500 0 0
LOWES COS INC COM 548661107 816 4,343 SH   SOLE   4,343 0 0
MASTERCARD INCORPORATED CL A 57636Q104 574 2,019 SH   SOLE   2,019 0 0
MCCORMICK & CO INC COM NON VTG 579780206 502 7,050 SH   SOLE   7,050 0 0
MCDONALDS CORP COM 580135101 363 1,573 SH   SOLE   1,573 0 0
MEDTRONIC PLC SHS G5960L103 908 11,241 SH   SOLE   11,241 0 0
MERCK & CO INC COM 58933Y105 1,429 16,596 SH   SOLE   16,596 0 0
META PLATFORMS INC CL A 30303M102 317 2,334 SH   SOLE   2,334 0 0
MICROSOFT CORP COM 594918104 3,225 13,848 SH   SOLE   13,848 0 0
NEXTERA ENERGY INC COM 65339F101 2,021 25,774 SH   SOLE   25,774 0 0
NIKE INC CL B 654106103 979 11,782 SH   SOLE   11,782 0 0
NORFOLK SOUTHN CORP COM 655844108 1,028 4,904 SH   SOLE   4,904 0 0
NVIDIA CORPORATION COM 67066G104 411 3,383 SH   SOLE   3,383 0 0
ORACLE CORP COM 68389X105 556 9,104 SH   SOLE   9,104 0 0
PAYPAL HLDGS INC COM 70450Y103 584 6,788 SH   SOLE   6,788 0 0
PEPSICO INC COM 713448108 1,971 12,073 SH   SOLE   12,073 0 0
PFIZER INC COM 717081103 1,261 28,823 SH   SOLE   28,823 0 0
PROCTER AND GAMBLE CO COM 742718109 1,620 12,831 SH   SOLE   12,831 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,336 16,325 SH   SOLE   16,325 0 0
ROLLINS INC COM 775711104 910 26,250 SH   SOLE   26,250 0 0
SALESFORCE INC COM 79466L302 241 1,673 SH   SOLE   1,673 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 4,711 97,625 SH   SOLE   97,625 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 545 19,369 SH   SOLE   19,369 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 287 12,812 SH   SOLE   12,812 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,517 27,179 SH   SOLE   27,179 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,636 38,968 SH   SOLE   38,968 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,645 31,758 SH   SOLE   31,758 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 510 13,484 SH   SOLE   13,484 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,948 65,058 SH   SOLE   65,058 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,924 116,278 SH   SOLE   116,278 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 219 11,707 SH   SOLE   11,707 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 229 3,920 SH   SOLE   3,920 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 984 16,260 SH   SOLE   16,260 0 0
SPDR GOLD TR GOLD SHS 78463V107 246 1,591 SH   SOLE   1,591 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 10,325 28,908 SH   SOLE   28,908 0 0
SPDR SER TR BBG CONV SEC ETF 78464A359 495 7,823 SH   SOLE   7,823 0 0
STARBUCKS CORP COM 855244109 904 10,725 SH   SOLE   10,725 0 0
TESLA INC COM 88160R101 402 1,515 SH   SOLE   1,515 0 0
TEXAS INSTRS INC COM 882508104 1,264 8,169 SH   SOLE   8,169 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 1,168 2,302 SH   SOLE   2,302 0 0
TJX COS INC NEW COM 872540109 866 13,946 SH   SOLE   13,946 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 312 2,154 SH   SOLE   2,154 0 0
UNITED PARCEL SERVICE INC CL B 911312106 1,336 8,268 SH   SOLE   8,268 0 0
UNITEDHEALTH GROUP INC COM 91324P102 2,923 5,788 SH   SOLE   5,788 0 0
US BANCORP DEL COM NEW 902973304 357 8,866 SH   SOLE   8,866 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 715 2,179 SH   SOLE   2,179 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 528 14,469 SH   SOLE   14,469 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 213 4,420 SH   SOLE   4,420 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,483 32,809 SH   SOLE   32,809 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,038 13,977 SH   SOLE   13,977 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 6,026 44,583 SH   SOLE   44,583 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,366 37,557 SH   SOLE   37,557 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 510 5,380 SH   SOLE   5,380 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 292 2,050 SH   SOLE   2,050 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 811 3,627 SH   SOLE   3,627 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,027 27,051 SH   SOLE   27,051 0 0
VISA INC COM CL A 92826C839 839 4,722 SH   SOLE   4,722 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669 202 3,745 SH   SOLE   3,745 0 0
XCEL ENERGY INC COM 98389B100 562 8,778 SH   SOLE   8,778 0 0