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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100   16,237,989 83,714 SH   SOLE   83,714 0 0
MICROSOFT CORP COM 594918104   13,966,675 41,013 SH   SOLE   41,013 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   11,459,761 61,194 SH   SOLE   61,194 0 0
ETF SER SOLUTIONS CLEARSHS ULTRA 26922A453   10,133,562 101,038 SH   SOLE   101,038 0 0
PGIM ETF TR PGIM ULTRA SH BD 69344A107   9,586,169 194,013 SH   SOLE   194,013 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   8,787,695 108,383 SH   SOLE   108,383 0 0
ISHARES TR CORE S&P MCP ETF 464287507   7,626,738 29,168 SH   SOLE   29,168 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   5,517,705 139,477 SH   SOLE   139,477 0 0
AMAZON COM INC COM 023135106   5,218,832 40,034 SH   SOLE   40,034 0 0
ISHARES TR MSCI EAFE ETF 464287465   4,985,996 68,772 SH   SOLE   68,772 0 0
ALPHABET INC CAP STK CL A 02079K305   4,974,612 41,559 SH   SOLE   41,559 0 0
JOHNSON & JOHNSON COM 478160104   4,708,878 28,449 SH   SOLE   28,449 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805   4,081,450 74,972 SH   SOLE   74,972 0 0
WALMART INC COM 931142103   4,055,635 25,802 SH   SOLE   25,802 0 0
JPMORGAN CHASE & CO COM 46625H100   3,902,906 26,835 SH   SOLE   26,835 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,717,412 10,902 SH   SOLE   10,902 0 0
MASTERCARD INCORPORATED CL A 57636Q104   3,586,162 9,118 SH   SOLE   9,118 0 0
UNITEDHEALTH GROUP INC COM 91324P102   3,542,201 7,370 SH   SOLE   7,370 0 0
CHEVRON CORP NEW COM 166764100   3,441,307 21,870 SH   SOLE   21,870 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   3,245,709 33,133 SH   SOLE   33,133 0 0
VISA INC COM CL A 92826C839   3,133,037 13,193 SH   SOLE   13,193 0 0
DANAHER CORPORATION COM 235851102   3,132,973 13,054 SH   SOLE   13,054 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   2,865,559 8,884 SH   SOLE   8,884 0 0
MERCK & CO INC COM 58933Y105   2,759,547 23,915 SH   SOLE   23,915 0 0
BLACKROCK INC COM 09247X101   2,686,512 3,887 SH   SOLE   3,887 0 0
NVIDIA CORPORATION COM 67066G104   2,582,566 6,105 SH   SOLE   6,105 0 0
WASTE MGMT INC DEL COM 94106L109   2,514,911 14,502 SH   SOLE   14,502 0 0
BROADCOM INC COM 11135F101   2,462,837 2,839 SH   SOLE   2,839 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   2,388,875 7,742 SH   SOLE   7,742 0 0
SCHWAB CHARLES CORP COM 808513105   2,226,958 39,290 SH   SOLE   39,290 0 0
TEXAS INSTRS INC COM 882508104   2,135,450 11,862 SH   SOLE   11,862 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   2,066,686 3,961 SH   SOLE   3,961 0 0
AMERICAN ELEC PWR CO INC COM 025537101   2,038,510 24,210 SH   SOLE   24,210 0 0
KLA CORP COM NEW 482480100   2,025,181 4,175 SH   SOLE   4,175 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,858,687 4,193 SH   SOLE   4,193 0 0
META PLATFORMS INC CL A 30303M102   1,849,012 6,443 SH   SOLE   6,443 0 0
DOW INC COM 260557103   1,833,297 34,422 SH   SOLE   34,422 0 0
HOME DEPOT INC COM 437076102   1,719,191 5,534 SH   SOLE   5,534 0 0
TESLA INC COM 88160R101   1,676,899 6,406 SH   SOLE   6,406 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   1,647,367 12,311 SH   SOLE   12,311 0 0
BOEING CO COM 097023105   1,561,418 7,394 SH   SOLE   7,394 0 0
AMGEN INC COM 031162100   1,492,624 6,723 SH   SOLE   6,723 0 0
MCDONALDS CORP COM 580135101   1,446,440 4,847 SH   SOLE   4,847 0 0
PEPSICO INC COM 713448108   1,428,090 7,710 SH   SOLE   7,710 0 0
NIKE INC CL B 654106103   1,401,759 12,701 SH   SOLE   12,701 0 0
EXXON MOBIL CORP COM 30231G102   1,382,096 12,887 SH   SOLE   12,887 0 0
PUBLIC STORAGE COM 74460D109   1,375,961 4,714 SH   SOLE   4,714 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   1,315,485 615 SH   SOLE   615 0 0
COSTCO WHSL CORP NEW COM 22160K105   1,298,590 2,412 SH   SOLE   2,412 0 0
PROCTER AND GAMBLE CO COM 742718109   1,282,443 8,452 SH   SOLE   8,452 0 0
PACCAR INC COM 693718108   1,254,004 14,991 SH   SOLE   14,991 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   1,244,768 33,471 SH   SOLE   33,471 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   1,215,304 12,042 SH   SOLE   12,042 0 0
BORGWARNER INC COM 099724106   1,214,786 24,837 SH   SOLE   24,837 0 0
UNION PAC CORP COM 907818108   1,211,640 5,921 SH   SOLE   5,921 0 0
ALPHABET INC CAP STK CL C 02079K107   1,207,373 9,981 SH   SOLE   9,981 0 0
NEXTERA ENERGY INC COM 65339F101   1,189,753 16,034 SH   SOLE   16,034 0 0
CATERPILLAR INC COM 149123101   1,151,549 4,680 SH   SOLE   4,680 0 0
COCA COLA CO COM 191216100   1,120,437 18,606 SH   SOLE   18,606 0 0
CISCO SYS INC COM 17275R102   1,120,148 21,650 SH   SOLE   21,650 0 0
ISHARES TR IBONDS 27 ETF 46435UAA9   1,085,835 46,245 SH   SOLE   46,245 0 0
ISHARES TR IBONDS DEC 29 46436E205   1,082,800 48,232 SH   SOLE   48,232 0 0
ISHARES TR IBDS DEC28 ETF 46435U515   1,081,381 44,138 SH   SOLE   44,138 0 0
ISHARES TR IBONDS DEC 2030 46436E726   1,080,231 50,954 SH   SOLE   50,954 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721   1,065,234 23,077 SH   SOLE   23,077 0 0
ISHARES TR IBONDS DEC 2031 46436E486   1,030,356 50,832 SH   SOLE   50,832 0 0
AT&T INC COM 00206R102   1,025,602 64,301 SH   SOLE   64,301 0 0
NORFOLK SOUTHN CORP COM 655844108   1,013,190 4,468 SH   SOLE   4,468 0 0
HILTON WORLDWIDE HLDGS INC COM 43300A203   1,008,079 6,926 SH   SOLE   6,926 0 0
ISHARES TR IBONDS DEC 2032 46436E312   996,092 40,459 SH   SOLE   40,459 0 0
COMCAST CORP NEW CL A 20030N101   988,186 23,783 SH   SOLE   23,783 0 0
PARKER-HANNIFIN CORP COM 701094104   954,041 2,446 SH   SOLE   2,446 0 0
MARRIOTT INTL INC NEW CL A 571903202   952,270 5,184 SH   SOLE   5,184 0 0
ISHARES TR NATIONAL MUN ETF 464288414   914,783 8,571 SH   SOLE   8,571 0 0
STAG INDL INC COM 85254J102   899,532 25,071 SH   SOLE   25,071 0 0
LAM RESEARCH CORP COM 512807108   896,181 1,394 SH   SOLE   1,394 0 0
INTUIT COM 461202103   882,026 1,925 SH   SOLE   1,925 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   881,456 13,784 SH   SOLE   13,784 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   808,479 2,938 SH   SOLE   2,938 0 0
SCHLUMBERGER LTD COM STK 806857108   800,410 16,295 SH   SOLE   16,295 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   794,378 8,852 SH   SOLE   8,852 0 0
ANALOG DEVICES INC COM 032654105   705,418 3,621 SH   SOLE   3,621 0 0
LULULEMON ATHLETICA INC COM 550021109   686,220 1,813 SH   SOLE   1,813 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   644,258 9,141 SH   SOLE   9,141 0 0
LAUDER ESTEE COS INC CL A 518439104   639,420 3,256 SH   SOLE   3,256 0 0
HONEYWELL INTL INC COM 438516106   632,156 3,047 SH   SOLE   3,047 0 0
SALESFORCE INC COM 79466L302   590,472 2,795 SH   SOLE   2,795 0 0
UNITED PARCEL SERVICE INC CL B 911312106   586,791 3,274 SH   SOLE   3,274 0 0
ORACLE CORP COM 68389X105   545,549 4,581 SH   SOLE   4,581 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100   499,360 1,419 SH   SOLE   1,419 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   497,729 6,298 SH   SOLE   6,298 0 0
BECTON DICKINSON & CO COM 075887109   483,281 1,831 SH   SOLE   1,831 0 0
PFIZER INC COM 717081103   465,059 12,679 SH   SOLE   12,679 0 0
DISNEY WALT CO COM 254687106   417,252 4,674 SH   SOLE   4,674 0 0
EATON CORP PLC SHS G29183103   378,068 1,880 SH   SOLE   1,880 0 0
ISHARES TR CORE MSCI EAFE 46432F842   363,015 5,378 SH   SOLE   5,378 0 0
TRANSDIGM GROUP INC COM 893641100   357,668 400 SH   SOLE   400 0 0
ISHARES TR RUSEL 2500 ETF 46435G268   336,832 5,861 SH   SOLE   5,861 0 0
STARBUCKS CORP COM 855244109   274,302 2,769 SH   SOLE   2,769 0 0
CHARTER COMMUNICATIONS INC N CL A 16119P108   268,547 731 SH   SOLE   731 0 0
KIMCO RLTY CORP COM 49446R109   236,956 12,016 SH   SOLE   12,016 0 0
ISHARES INC CORE MSCI EMKT 46434G103   232,945 4,726 SH   SOLE   4,726 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   230,559 906 SH   SOLE   906 0 0
MOODYS CORP COM 615369105   229,843 661 SH   SOLE   661 0 0
LOCKHEED MARTIN CORP COM 539830109   220,034 478 SH   SOLE   478 0 0
NORTHROP GRUMMAN CORP COM 666807102   202,278 444 SH   SOLE   444 0 0
GLATFELTER CORPORATION COM 377320106   39,545 13,094 SH   SOLE   13,094 0 0
nan nan 13765L101   10,475 50,000 SH   SOLE   50,000 0 0