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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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 253 1,425 SH   SOLE   0 0 1,425
AMERICAN ELEC PWR CO INC COM 025537101 454 5,108 SH   SOLE   0 0 5,108
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 3,304 64,975 SH   SOLE   0 0 64,975
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 4,830 89,603 SH   SOLE   0 0 89,603
SCHWAB STRATEGIC TR US TIPS ETF 808524870 3,090 49,136 SH   SOLE   0 0 49,136
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 3,075 46,260 SH   SOLE   0 0 46,260
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 8,892 110,010 SH   SOLE   0 0 110,010
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,085 50,270 SH   SOLE   0 0 50,270
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 8,894 146,204 SH   SOLE   0 0 146,204
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,807 33,116 SH   SOLE   0 0 33,116
ANALOG DEVICES INC COM 032654105 2,092 11,899 SH   SOLE   0 0 11,899
APPLE INC COM 037833100 8,921 50,241 SH   SOLE   0 0 50,240
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,435 14,834 SH   SOLE   0 0 14,833
BRISTOL-MYERS SQUIBB CO COM 110122108 384 6,160 SH   SOLE   0 0 6,160
SCHWAB CHARLES CORP COM 808513105 696 8,280 SH   SOLE   0 0 8,280
CHUBB LIMITED COM H1467J104 424 2,195 SH   SOLE   0 0 2,195
CHURCH & DWIGHT CO INC COM 171340102 415 4,050 SH   SOLE   0 0 4,050
CISCO SYS INC COM 17275R102 669 10,550 SH   SOLE   0 0 10,550
COCA COLA CO COM 191216100 703 11,877 SH   SOLE   0 0 11,877
ABBOTT LABS COM 002824100 1,272 9,040 SH   SOLE   0 0 9,040
COSTCO WHSL CORP NEW COM 22160K105 275 485 SH   SOLE   0 0 485
CSX CORP COM 126408103 2,402 63,880 SH   SOLE   0 0 63,880
DANAHER CORPORATION COM 235851102 999 3,036 SH   SOLE   0 0 3,036
DOLLAR GEN CORP NEW COM 256677105 1,652 7,003 SH   SOLE   0 0 7,003
DOMINION ENERGY INC COM 25746U109 304 3,866 SH   SOLE   0 0 3,866
EATON CORP PLC SHS G29183103 1,700 9,835 SH   SOLE   0 0 9,835
ELECTRONIC ARTS INC COM 285512109 382 2,897 SH   SOLE   0 0 2,897
HOME DEPOT INC COM 437076102 3,055 7,362 SH   SOLE   0 0 7,361
HONEYWELL INTL INC COM 438516106 328 1,575 SH   SOLE   0 0 1,575
ICON PLC SHS G4705A100 1,916 6,188 SH   SOLE   0 0 6,188
ABBVIE INC COM 00287Y109 1,150 8,491 SH   SOLE   0 0 8,490
INTEL CORP COM 458140100 775 15,047 SH   SOLE   0 0 15,047
JOHNSON & JOHNSON COM 478160104 2,374 13,878 SH   SOLE   0 0 13,877
JPMORGAN CHASE & CO COM 46625H100 2,251 14,213 SH   SOLE   0 0 14,213
MEDTRONIC PLC SHS G5960L103 1,117 10,796 SH   SOLE   0 0 10,795
MERCK & CO INC COM 58933Y105 2,018 26,336 SH   SOLE   0 0 26,336
META PLATFORMS INC CL A 30303M102 1,954 5,810 SH   SOLE   0 0 5,810
MICROSOFT CORP COM 594918104 4,393 13,061 SH   SOLE   0 0 13,060
NEXTERA ENERGY INC COM 65339F101 2,179 23,338 SH   SOLE   0 0 23,338
NIKE INC CL B 654106103 1,781 10,686 SH   SOLE   0 0 10,686
NORFOLK SOUTHN CORP COM 655844108 1,740 5,845 SH   SOLE   0 0 5,845
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 2,060 4,969 SH   SOLE   0 0 4,968
NVIDIA CORPORATION COM 67066G104 508 1,728 SH   SOLE   0 0 1,728
OREILLY AUTOMOTIVE INC COM 67103H107 593 840 SH   SOLE   0 0 840
PARKER-HANNIFIN CORP COM 701094104 2,368 7,444 SH   SOLE   0 0 7,444
PAYPAL HLDGS INC COM 70450Y103 306 1,623 SH   SOLE   0 0 1,623
PEPSICO INC COM 713448108 1,955 11,255 SH   SOLE   0 0 11,255
PFIZER INC COM 717081103 574 9,717 SH   SOLE   0 0 9,717
PROCTER AND GAMBLE CO COM 742718109 3,796 23,207 SH   SOLE   0 0 23,207
QUALCOMM INC COM 747525103 499 2,729 SH   SOLE   0 0 2,729
ROSS STORES INC COM 778296103 431 3,775 SH   SOLE   0 0 3,775
S&P GLOBAL INC COM 78409V104 236 500 SH   SOLE   0 0 500
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,742 3,072 SH   SOLE   0 0 3,072
SHERWIN WILLIAMS CO COM 824348106 2,378 6,754 SH   SOLE   0 0 6,753
PRICE T ROWE GROUP INC COM 74144T108 814 4,140 SH   SOLE   0 0 4,140
THERMO FISHER SCIENTIFIC INC COM 883556102 2,897 4,342 SH   SOLE   0 0 4,342
TJX COS INC NEW COM 872540109 363 4,775 SH   SOLE   0 0 4,775
TRAVELERS COMPANIES INC COM 89417E109 1,157 7,398 SH   SOLE   0 0 7,397
UNION PAC CORP COM 907818108 891 3,538 SH   SOLE   0 0 3,538
UNITED PARCEL SERVICE INC CL B 911312106 1,077 5,023 SH   SOLE   0 0 5,023
UNITEDHEALTH GROUP INC COM 91324P102 1,011 2,014 SH   SOLE   0 0 2,013
VISA INC COM CL A 92826C839 2,031 9,374 SH   SOLE   0 0 9,374
DISNEY WALT CO COM 254687106 2,620 16,916 SH   SOLE   0 0 16,915
AIR PRODS & CHEMS INC COM 009158106 720 2,366 SH   SOLE   0 0 2,366
GLOBAL X FDS S&P 500 CATHOLIC 37954Y889 3,988 67,700 SH   SOLE   0 0 67,700
INVESCO QQQ TR UNIT SER 1 46090E103 233 585 SH   SOLE   0 0 585
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,193 7,330 SH   SOLE   0 0 7,330
ISHARES TR CORE DIV GRWTH 46434V621 13,577 244,282 SH   SOLE   0 0 244,281
ISHARES TR CORE S&P500 ETF 464287200 9,830 20,608 SH   SOLE   0 0 20,608
ISHARES TR CORE S&P MCP ETF 464287507 498 1,758 SH   SOLE   0 0 1,758
ISHARES TR CORE S&P SCP ETF 464287804 586 5,117 SH   SOLE   0 0 5,116
ISHARES TR CORE S&P TTL STK 464287150 206 1,924 SH   SOLE   0 0 1,923
ISHARES TR RUS 1000 GRW ETF 464287614 1,269 4,152 SH   SOLE   0 0 4,152
ALPHABET INC CAP STK CL A 02079K305 3,542 1,223 SH   SOLE   0 0 1,222
ISHARES TR RUSSELL 2000 ETF 464287655 6,619 29,755 SH   SOLE   0 0 29,755
ISHARES TR RUS MD CP GR ETF 464287481 800 6,942 SH   SOLE   0 0 6,942
ISHARES TR RUS MID CAP ETF 464287499 6,325 76,195 SH   SOLE   0 0 76,195
ISHARES TR RUS MDCP VAL ETF 464287473 995 8,132 SH   SOLE   0 0 8,131
ISHARES SILVER TR ISHARES 46428Q109 716 33,303 SH   SOLE   0 0 33,303
ISHARES TR U.S. FINLS ETF 464287788 778 8,973 SH   SOLE   0 0 8,973
ISHARES TR U.S. TECH ETF 464287721 401 3,490 SH   SOLE   0 0 3,490
PROSHARES TR S&P 500 DV ARIST 74348A467 528 5,380 SH   SOLE   0 0 5,380
SPDR GOLD TR GOLD SHS 78463V107 227 1,325 SH   SOLE   0 0 1,325
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 380 2,695 SH   SOLE   0 0 2,695
ALPHABET INC CAP STK CL C 02079K107 954 330 SH   SOLE   0 0 329
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 424 4,006 SH   SOLE   0 0 4,006
SPDR SER TR PORTFOLI S&P1500 78464A805 1,350 23,091 SH   SOLE   0 0 23,090
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 4,272 12,539 SH   SOLE   0 0 12,539
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 6,180 35,984 SH   SOLE   0 0 35,984
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 1,594 16,504 SH   SOLE   0 0 16,504
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 754 14,763 SH   SOLE   0 0 14,763
VANGUARD INDEX FDS GROWTH ETF 922908736 8,693 27,089 SH   SOLE   0 0 27,089
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 1,716 6,441 SH   SOLE   0 0 6,441
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 8,836 78,820 SH   SOLE   0 0 78,819
VANGUARD WORLD FDS INF TECH ETF 92204A702 3,789 8,270 SH   SOLE   0 0 8,270
AMAZON COM INC COM 023135106 437 131 SH   SOLE   0 0 131
VANGUARD INDEX FDS SMALL CP ETF 922908751 431 1,905 SH   SOLE   0 0 1,905
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,049 3,722 SH   SOLE   0 0 3,722
VANGUARD INDEX FDS SM CP VAL ETF 922908611 431 2,409 SH   SOLE   0 0 2,409
ISHARES TR 0-5YR INVT GR CP 46434V100 6,586 129,011 SH   SOLE   0 0 129,011
ISHARES TR 0-5 YR TIPS ETF 46429B747 3,915 36,978 SH   SOLE   0 0 36,978
ISHARES TR CORE 1 5 YR USD 46432F859 9,687 192,093 SH   SOLE   0 0 192,093
ISHARES TR CORE US AGGBD ET 464287226 3,547 31,091 SH   SOLE   0 0 31,091
ISHARES TR TIPS BD ETF 464287176 6,490 50,231 SH   SOLE   0 0 50,231
ISHARES TR US TREAS BD ETF 46429B267 5,175 193,960 SH   SOLE   0 0 193,960