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
Abbott Laboratories COM 282410000 1,966 18,093 SH   SOLE   18,093 0 0
Amazon Com Inc COM 231351060 2,279 21,460 SH   SOLE   21,460 0 0
American Water Works Co COM 304201030 607 4,080 SH   SOLE   4,080 0 0
Apple Inc COM 378331000 4,604 33,678 SH   SOLE   33,678 0 0
Berkshire Hathaway Inc B COM 846707020 1,382 5,063 SH   SOLE   5,063 0 0
Bristol-Myers Squibb Co COM 110122108 1,043 13,546 SH   SOLE   13,546 0 0
Cigna Corp COM 125523100 236 894 SH   SOLE   894 0 0
C V S Health Corporation COM 126650100 1,382 14,913 SH   SOLE   14,913 0 0
Chevron Corporation COM 166764100 452 3,125 SH   SOLE   3,125 0 0
Citigroup Inc COM 172967424 311 6,760 SH   SOLE   6,760 0 0
Danaher Corp Del COM 235851102 2,207 8,704 SH   SOLE   8,704 0 0
Disney Walt Co COM 254687106 1,298 13,751 SH   SOLE   13,751 0 0
Ecolab Inc COM 278865100 668 4,346 SH   SOLE   4,346 0 0
Fidelity Low Duration Bond Factor ETF LOW DURTIN ETF 316188408 285 5,754 SH   SOLE   5,754 0 0
Geron Corp COM 374163103 30 19,450 SH   SOLE   19,450 0 0
Honeywell International COM 438516106 716 4,121 SH   SOLE   4,121 0 0
Intuit Inc COM 461202103 1,146 2,974 SH   SOLE   2,974 0 0
iShares Gold Trust ISHARES NEW 464285204 774 22,571 SH   SOLE   22,571 0 0
iShares MSCI Pacific Ex-Japan ETF ETF 464286665 2,943 70,676 SH   SOLE   70,676 0 0
iShares MSCI USA Equal Wt COM 464286681 1,082 15,315 SH   SOLE   15,315 0 0
iShares Short Term National Amt Free Muni ETF 464288158 2,312 22,084 SH   SOLE   22,084 0 0
iShares Emerging Markets Infrastructure EMGR MKT INF ETF 464288216 773 35,431 SH   SOLE   35,431 0 0
iShares Global Clean Energy ETF 464288224 2,599 136,432 SH   SOLE   136,432 0 0
iShares Global Infrastructure GLB INFRASTR ETF 464288372 1,539 32,910 SH   SOLE   32,910 0 0
Johnson & Johnson COM 478160104 1,629 9,175 SH   SOLE   9,175 0 0
Marsh & Mc Lennan Co Inc COM 571748102 1,011 6,513 SH   SOLE   6,513 0 0
Mccormick & Co Inc N-Vt COM 579780206 1,057 12,701 SH   SOLE   12,701 0 0
Microsoft Corp COM 594918104 1,829 7,121 SH   SOLE   7,121 0 0
Microchip Technology Inc COM 595017104 1,352 23,281 SH   SOLE   23,281 0 0
Nike Inc Class B COM 654106103 1,110 10,857 SH   SOLE   10,857 0 0
Norfolk Southern Corp COM 655844108 243 1,070 SH   SOLE   1,070 0 0
Pepsico Incorporated COM 713448108 2,395 14,371 SH   SOLE   14,371 0 0
Pfizer Incorporated COM 717081103 1,009 19,247 SH   SOLE   19,247 0 0
Philip Morris Intl Inc COM 718172109 327 3,308 SH   SOLE   3,308 0 0
Procter & Gamble COM 742718109 1,160 8,070 SH   SOLE   8,070 0 0
Charles Schwab & Co. COM 808513105 768 12,158 SH   SOLE   12,158 0 0
Schwab U.S. Large Cap ETF ETF 808524201 2,321 51,961 SH   SOLE   51,961 0 0
Schwab US Mid-Cap ETF ETF 808524508 263 4,200 SH   SOLE   4,200 0 0
Schwab U.S. Small Cap ETF ETF 808524607 1,535 39,378 SH   SOLE   39,378 0 0
Schwab Short Term Us ETF 808524862 1,970 40,058 SH   SOLE   40,058 0 0
Schwab US Tips ETF ETF 808524870 941 16,862 SH   SOLE   16,862 0 0
Schwab Intl Small Cap ETF 808524888 2,412 77,246 SH   SOLE   77,246 0 0
The Southern Company COM 842587107 335 4,693 SH   SOLE   4,693 0 0
Starbucks Corp COM 855244109 847 11,086 SH   SOLE   11,086 0 0
Union Pacific Corp COM 907818108 1,247 5,846 SH   SOLE   5,846 0 0
Vanguard Dividend Appr'N COM 921908844 2,762 19,249 SH   SOLE   19,249 0 0
Vanguard Bond Index Fund SHORT TRM BOND 921937827 1,770 23,050 SH   SOLE   23,050 0 0
Vanguard FTSE Developed Markets ETF ETF 921943858 4,614 113,100 SH   SOLE   113,100 0 0
Vanguard Shrt Inf Prot ETF 922020805 3,524 70,319 SH   SOLE   70,319 0 0
Vanguard All World Ex-U.S. ETF 922042775 237 4,751 SH   SOLE   4,751 0 0
Vanguard Small Cap ETF 922908751 276 1,567 SH   SOLE   1,567 0 0
Vanguard Total Stock Mkt ETF 922908769 520 2,755 SH   SOLE   2,755 0 0
Amerisourcebergen Corp COM 03076K108 859 6,070 SH   SOLE   6,070 0 0
Travelers Companies Inc COM 89417E109 1,021 6,034 SH   SOLE   6,034 0 0
AbbVie Inc COM 00287Y109 335 2,185 SH   SOLE   2,185 0 0
Alphabet Inc Class C COM 02079K107 1,372 627 SH   SOLE   627 0 0
Alphabet Inc Class A COM 02079K305 1,968 903 SH   SOLE   903 0 0
American Tower Corporation COM 03027X100 1,248 4,883 SH   SOLE   4,883 0 0
Costco Whsl Corp New COM 22160K105 2,623 5,473 SH   SOLE   5,473 0 0
Dominion Resources Inc Va New COM 25746U109 377 4,719 SH   SOLE   4,719 0 0
Duke Energy Corp COM 26441C204 627 5,848 SH   SOLE   5,848 0 0
Editas Medicine Inc COM 28106W103 475 40,150 SH   SOLE   40,150 0 0
Exxon Mobil Corporation COM 30231G102 241 2,814 SH   SOLE   2,814 0 0
First Trust Global Wind Energy ETF ETF 33736G106 601 34,920 SH   SOLE   34,920 0 0
Flexsh Mngst Emr Mkt COM 33939L308 2,074 42,282 SH   SOLE   42,282 0 0
Global X Variable Rate Preferred ETF ETF 37954Y376 1,038 42,965 SH   SOLE   42,965 0 0
Genomics & Biotechnology ETF - Global X GENOMIC BIOTECH 37954Y434 763 62,450 SH   SOLE   62,450 0 0
Global X Yield Co &Renewable Energy COM 37954Y707 1,490 105,241 SH   SOLE   105,241 0 0
Global X Lithium ETF LITHIUM BTRY ETF 37954Y855 885 12,189 SH   SOLE   12,189 0 0
Global X Wind Energy ETF WIND ENERGY ETF 37960A800 438 22,190 SH   SOLE   22,190 0 0
Innovator US Equity Ultra Buff ETF Jan US EQT ULTRA BF 45782C300 349 12,000 SH   SOLE   12,000 0 0
Innovator S&P 500 Power Buffer JAN ETF 45782C508 1,785 59,444 SH   SOLE   59,444 0 0
Innovator S&P 500 Power Buffer OCT ETF 45782C797 2,160 76,936 SH   SOLE   76,936 0 0
Innovator S&P 500 Power Buffer JUL ETF 45782C813 2,360 80,329 SH   SOLE   80,329 0 0
Innovator S&P 500 Power Buffer ETF APR ETF 45782C870 2,432 90,069 SH   SOLE   90,069 0 0
Intellia Therapeutics Inc COM 45826J105 3,514 67,899 SH   SOLE   67,899 0 0
Invesco S&P 500 Equal Weight ETF ETF 46137V357 800 5,957 SH   SOLE   5,957 0 0
Invesco Global Clean Water ETF ETF 46138E651 1,241 39,960 SH   SOLE   39,960 0 0
Invesco Senior Loan ETF SR LN ETF 46138G508 294 14,500 SH   SOLE   14,500 0 0
Invesco Variable Rate Preferred ETF VAR RATE PFD 46138G870 870 39,225 SH   SOLE   39,225 0 0
iShares Short Maturity COM 46431W838 2,035 40,935 SH   SOLE   40,935 0 0
iShares Core MSCI Total World COM 46432F834 3,537 62,025 SH   SOLE   62,025 0 0
iShares Core MSCI Emerging Markets ETF 46434G103 1,931 39,368 SH   SOLE   39,368 0 0
iShares Treasury Floatng ETF 46434V860 9,152 181,585 SH   SOLE   181,585 0 0
JPMorgan Chase & Co COM 46625H100 1,399 12,420 SH   SOLE   12,420 0 0
JPMorgan Ultra-Short Municipal Inc ETF ULTRA SHT MUNCPL 46641Q654 3,524 69,570 SH   SOLE   69,570 0 0
JPMorgan Ultra Short ETF 46641Q837 9,274 185,148 SH   SOLE   185,148 0 0
Mastercard Inc Class A COM SER A 57636Q104 2,045 6,481 SH   SOLE   6,481 0 0
Merck & Co Inc New COM 58933Y105 244 2,679 SH   SOLE   2,679 0 0
Nextera Energy Inc COM 65339F101 824 10,643 SH   SOLE   10,643 0 0
Nextera Energy Partners Lp COM 65341B106 1,493 20,130 SH   SOLE   20,130 0 0
Novartis A G Spon ADR SPONSORED ADR 66987V109 841 9,947 SH   SOLE   9,947 0 0
Nvidia Corp COM 67066G104 204 1,344 SH   SOLE   1,344 0 0
PGIM Ultra Short Bond ETF ULTRA SHORT 69344A107 2,508 51,116 SH   SOLE   51,116 0 0
Paypal Holdings Inco COM 70450Y103 700 10,018 SH   SOLE   10,018 0 0
PIMCO Exch Traded Fund COM 72201R833 3,794 38,284 SH   SOLE   38,284 0 0
SPDR S&P 500 ETF COM 78462F103 258 684 SH   SOLE   684 0 0
SPDR Blmbrg Barcly Sh Tm BLOMBERG BRC INT 78464A334 2,469 91,606 SH   SOLE   91,606 0 0
SPDR Blackstone Gso BLACKSTONE SENR 78467V608 3,757 90,220 SH   SOLE   90,220 0 0
SPDR SSgA Ultra Short Term Bond ETF ULT SHT TRM BD 78467V707 2,452 61,577 SH   SOLE   61,577 0 0
SPDR Bloomberg Barclays 1-3 Month T Bills SPDR BLOOMBERG 78468R663 3,293 35,990 SH   SOLE   35,990 0 0
SPDR Dbln Sht Drtn Rtrn COM 78470P200 4,277 91,724 SH   SOLE   91,724 0 0
Salesforce Com COM 79466L302 1,376 8,336 SH   SOLE   8,336 0 0
Tesla Motors Inc COM 88160R101 294 437 SH   SOLE   437 0 0
Unitedhealth Group Inc COM 91324P102 3,326 6,476 SH   SOLE   6,476 0 0
Vanguard Short Term SHORT TERM TREAS 92206C102 1,517 25,776 SH   SOLE   25,776 0 0
Vanguard Mortgage Backed COM 92206C771 304 6,350 SH   SOLE   6,350 0 0
Visa Inc Cl A COM 92826C839 765 3,885 SH   SOLE   3,885 0 0
WisdomTree Emerging Markets Lcl Dbt ETF EM LCL DEBT FD 97717X867 1,448 56,477 SH   SOLE   56,477 0 0
Xenon Pharmaceuticals COM 98420N105 456 14,994 SH   SOLE   14,994 0 0
Microport Scientfi Ord COM G60837104 103 35,495 SH   SOLE   35,495 0 0