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
AMAZON COM INC COM Stock 023135106 3,180 29,936 SH   SOLE   29,936 0 0
BLACKROCK SHORT MATURITY MUNICIPAL BOND ETF ETF 46431W838 1,401 28,184 SH   SOLE   28,184 0 0
INVESCO QQQ TRUST ETF 46090E103 215 766 SH   SOLE   766 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803 28,102 221,068 SH   SOLE   221,067 0 0
STARBUCKS CORP COM Stock 855244109 654 8,563 SH   SOLE   8,563 0 0
SEMPRA COM Stock 816851109 260 1,731 SH   SOLE   1,731 0 0
ELEVANCE HEALTH INC COM Stock 036752103 351 727 SH   SOLE   727 0 0
DOLLAR GEN CORP NEW COM Stock 256677105 483 1,966 SH   SOLE   1,966 0 0
SPDR PORTFOLIO S&P 500 HIGH DIVIDEND ETF ETF 78468R788 204 5,101 SH   SOLE   5,101 0 0
JOHNSON & JOHNSON COM Stock 478160104 2,256 12,711 SH   SOLE   12,711 0 0
WASTE MGMT INC DEL COM Stock 94106L109 657 4,295 SH   SOLE   4,294 0 0
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 24,020 127,347 SH   SOLE   127,347 0 0
COSTCO WHSL CORP NEW COM Stock 22160K105 448 934 SH   SOLE   934 0 0
GOLDMAN SACHS GROUP INC COM Stock 38141G104 425 1,429 SH   SOLE   1,429 0 0
YUM BRANDS INC COM Stock 988498101 1,746 15,382 SH   SOLE   15,382 0 0
REAL ESTATE SELECT SECTOR SPDR FUND ETF 81369Y860 3,612 88,389 SH   SOLE   88,388 0 0
PROCTER AND GAMBLE CO COM Stock 742718109 3,404 23,676 SH   SOLE   23,675 0 0
COCA COLA CO COM Stock 191216100 458 7,283 SH   SOLE   7,282 0 0
TRUIST FINL CORP COM Stock 89832Q109 413 8,701 SH   SOLE   8,700 0 0
UNITED PARCEL SERVICE INC CL B Stock 911312106 459 2,514 SH   SOLE   2,513 0 0
MARRIOTT INTL INC NEW CL A Stock 571903202 213 1,567 SH   SOLE   1,567 0 0
VANGUARD REAL ESTATE ETF ETF 922908553 757 8,311 SH   SOLE   8,310 0 0
ISHARES MSCI USA ESG SELECT ETF ETF 464288802 404 5,009 SH   SOLE   5,009 0 0
ISHARES MSCI ACWI EX US INDEX FUND ETF 464288240 1,402 31,148 SH   SOLE   31,147 0 0
INTEL CORP COM Stock 458140100 2,568 68,645 SH   SOLE   68,645 0 0
OUTLOOK THERAPEUTICS INC COM NEW Stock 69012T206 38 37,500 SH   SOLE   37,500 0 0
MEDTRONIC PLC SHS Stock G5960L103 435 4,845 SH   SOLE   4,844 0 0
FORTIVE CORP COM Stock 34959J108 1,197 22,008 SH   SOLE   22,007 0 0
NETFLIX INC COM Stock 64110L106 313 1,790 SH   SOLE   1,790 0 0
PAYCHEX INC COM Stock 704326107 216 1,893 SH   SOLE   1,893 0 0
SPDR MSCI USA STRATEGICFACTORS ETF ETF 78468R812 270 2,499 SH   SOLE   2,499 0 0
ISHARES MSCI UNITED KINGDOM ETF ETF 46435G334 205 6,835 SH   SOLE   6,835 0 0
WELLS FARGO CO NEW PERP PFD CNV A Convertible Preferred 949746804 479 394 SH   SOLE   394 0 0
PROLOGIS INC. COM REIT 74340W103 293 2,493 SH   SOLE   2,492 0 0
MERCK & CO INC COM Stock 58933Y105 3,045 33,404 SH   SOLE   33,403 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158 248 2,365 SH   SOLE   2,365 0 0
SPDR S&P 500 ETF ETF 78462F103 36,317 96,267 SH   SOLE   96,267 0 0
MASTERCARD INCORPORATED CL A Stock 57636Q104 5,264 16,687 SH   SOLE   16,687 0 0
FIRST REP BK SAN FRANCISCO CAL COM Stock 33616C100 7,922 54,935 SH   SOLE   54,935 0 0
ILLINOIS TOOL WKS INC COM Stock 452308109 227 1,245 SH   SOLE   1,245 0 0
ALLSTATE CORP COM Stock 020002101 6,004 47,377 SH   SOLE   47,376 0 0
DIAGEO PLC SPON ADR NEW ADR 25243Q205 221 1,271 SH   SOLE   1,270 0 0
ISHARES TIPS BOND ETF ETF 464287176 1,031 9,050 SH   SOLE   9,050 0 0
LIONS GATE ENTMNT CORP CL B NON VTG Stock 535919500 350 39,650 SH   SOLE   39,650 0 0
CORNING INC COM Stock 219350105 433 13,744 SH   SOLE   13,743 0 0
JPMORGAN RESEARCH ENHANCED HIGH YIELD ETF ETF 46641Q878 708 16,231 SH   SOLE   16,230 0 0
BANK NEW YORK MELLON CORP COM Stock 064058100 251 6,020 SH   SOLE   6,019 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104 1,676 33,018 SH   SOLE   33,017 0 0
CHUBB LIMITED COM Stock H1467J104 264 1,344 SH   SOLE   1,344 0 0
FEDEX CORP COM Stock 31428X106 395 1,743 SH   SOLE   1,743 0 0
PEPSICO INC COM Stock 713448108 1,164 6,983 SH   SOLE   6,983 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF ETF 464287457 216 2,605 SH   SOLE   2,605 0 0
HONEYWELL INTL INC COM Stock 438516106 306 1,760 SH   SOLE   1,759 0 0
SPDR PORTFOLIO MORTGAGE BACKED BOND ETF ETF 78464A383 562 24,600 SH   SOLE   24,600 0 0
US BANCORP DEL COM NEW Stock 902973304 515 11,187 SH   SOLE   11,187 0 0
HOME DEPOT INC COM Stock 437076102 3,325 12,122 SH   SOLE   12,121 0 0
BAXTER INTL INC COM Stock 071813109 1,118 17,410 SH   SOLE   17,410 0 0
AUTOMATIC DATA PROCESSING INC COM Stock 053015103 482 2,297 SH   SOLE   2,297 0 0
DUPONT DE NEMOURS INC COM Stock 26614N102 362 6,511 SH   SOLE   6,510 0 0
ISHARES RUSSELL 2000 VALUE ETF ETF 464287630 621 4,561 SH   SOLE   4,561 0 0
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 19,882 155,038 SH   SOLE   155,038 0 0
SOUTHERN CO COM Stock 842587107 263 3,693 SH   SOLE   3,693 0 0
BECTON DICKINSON & CO COM Stock 075887109 1,601 6,495 SH   SOLE   6,494 0 0
REGIONS FINANCIAL CORP NEW COM Stock 7591EP100 349 18,621 SH   SOLE   18,621 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 28,851 131,921 SH   SOLE   131,920 0 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 3,038 42,087 SH   SOLE   42,087 0 0
SPDR PORTFOLIO S&P 400 MID CAP ETF ETF 78464A847 590 14,853 SH   SOLE   14,853 0 0
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 3,311 66,103 SH   SOLE   66,102 0 0
AON PLC SHS CL A Stock G0403H108 238 882 SH   SOLE   882 0 0
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 1,042 35,061 SH   SOLE   35,061 0 0
ISHARES S&P SMALL-CAP FUND ETF 464287804 17,233 186,481 SH   SOLE   186,480 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 2,745 10,056 SH   SOLE   10,056 0 0
CARTERS INC COM Stock 146229109 204 2,900 SH   SOLE   2,900 0 0
ADOBE SYSTEMS INCORPORATED COM Stock 00724F101 794 2,170 SH   SOLE   2,170 0 0
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 3,679 48,237 SH   SOLE   48,237 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870 885 11,060 SH   SOLE   11,060 0 0
ALPHABET INC CAP STK CL A Stock 02079K305 4,509 2,069 SH   SOLE   2,069 0 0
VANGUARD U.S. VALUE FACTOR ETF ETF 921935805 457 5,000 SH   SOLE   5,000 0 0
VANGUARD U.S. MOMENTUM FACTOR ETF ETF 921935508 394 3,694 SH   SOLE   3,694 0 0
FISERV INC COM Stock 337738108 5,336 59,976 SH   SOLE   59,976 0 0
INTUIT COM Stock 461202103 332 861 SH   SOLE   861 0 0
UNILEVER PLC SPON ADR NEW ADR 904767704 1,186 25,887 SH   SOLE   25,886 0 0
GRAPHIC PACKAGING HLDG CO COM Stock 388689101 363 17,720 SH   SOLE   17,720 0 0
COMCAST CORP NEW CL A Stock 20030N101 756 19,279 SH   SOLE   19,278 0 0
MICROSOFT CORP COM Stock 594918104 15,844 61,691 SH   SOLE   61,691 0 0
VALERO ENERGY CORP COM Stock 91913Y100 4,731 44,515 SH   SOLE   44,515 0 0
CVS HEALTH CORP COM Stock 126650100 572 6,174 SH   SOLE   6,174 0 0
DTE ENERGY CO COM Stock 233331107 1,116 8,805 SH   SOLE   8,804 0 0
SPROTT PHYSICAL GOLD TR UNIT CEF 85207H104 293 20,679 SH   SOLE   20,679 0 0
COMMUNICATION SERVICES SELECT SECTOR SPDRA FUND ETF 81369Y852 11,236 207,044 SH   SOLE   207,044 0 0
TILRAY BRANDS INC COM CL 2 Stock 88688T100 81 25,905 SH   SOLE   25,905 0 0
AMERIPRISE FINL INC COM Stock 03076C106 1,245 5,238 SH   SOLE   5,237 0 0
VANGUARD INTERMEDIATE-TERM GOVERNMENT BOND ETF ETF 92206C706 1,072 17,529 SH   SOLE   17,529 0 0
ARES CAPITAL CORP COM CEF 04010L103 6,818 380,284 SH   SOLE   380,284 0 0
BERKSHIRE HATHAWAY INC DEL CL A Stock 084670108 1,227 3 SH   SOLE   3 0 0
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 2,496 14,174 SH   SOLE   14,173 0 0
VANGUARD MID-CAP INDEX FUND ETF 922908629 5,582 28,338 SH   SOLE   28,338 0 0
NEXTERA ENERGY INC COM Stock 65339F101 534 6,895 SH   SOLE   6,894 0 0
NIKE INC CL B Stock 654106103 436 4,261 SH   SOLE   4,261 0 0
ALIGN TECHNOLOGY INC COM Stock 016255101 230 973 SH   SOLE   973 0 0
URBAN OUTFITTERS INC COM Stock 917047102 287 15,380 SH   SOLE   15,380 0 0
TESLA INC COM Stock 88160R101 1,211 1,799 SH   SOLE   1,799 0 0
MSCI INC COM Stock 55354G100 213 516 SH   SOLE   516 0 0
LINDE PLC SHS Stock G5494J103 294 1,021 SH   SOLE   1,021 0 0
BAIN CAP SPECIALTY FIN INC COM STK CEF 05684B107 338 24,859 SH   SOLE   24,858 0 0
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 7,878 250,497 SH   SOLE   250,497 0 0
NORFOLK SOUTHN CORP COM Stock 655844108 218 958 SH   SOLE   957 0 0
ALERIAN MLP ETF ETF 00162Q452 822 23,857 SH   SOLE   23,856 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874 383 7,243 SH   SOLE   7,243 0 0
VANGUARD INFORMATION TECHNOLOGY INDEX FUND ETF 92204A702 394 1,208 SH   SOLE   1,208 0 0
WALGREENS BOOTS ALLIANCE INC COM Stock 931427108 450 11,866 SH   SOLE   11,865 0 0
INTERNATIONAL FLAVORS&FRAGRANC COM Stock 459506101 264 2,219 SH   SOLE   2,219 0 0
HANESBRANDS INC COM Stock 410345102 301 29,204 SH   SOLE   29,204 0 0
VANGUARD S&P 500 ETF ETF 922908363 3,183 9,176 SH   SOLE   9,175 0 0
IROBOT CORP COM Stock 462726100 226 6,162 SH   SOLE   6,162 0 0
BROWN FORMAN CORP CL A Stock 115637100 276 4,074 SH   SOLE   4,074 0 0
FIFTH THIRD BANCORP COM Stock 316773100 1,319 39,252 SH   SOLE   39,251 0 0
WISDOMTREE EUROPE HEDGED EQUITY FUND ETF 97717X701 409 6,240 SH   SOLE   6,240 0 0
SPDR S&P MIDCAP 400 ETF ETF 78467Y107 1,194 2,888 SH   SOLE   2,888 0 0
GENERAL MTRS CO COM Stock 37045V100 408 12,844 SH   SOLE   12,844 0 0
HUNTINGTON BANCSHARES INC COM Stock 446150104 195 16,235 SH   SOLE   16,235 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357 980 7,300 SH   SOLE   7,300 0 0
JPMORGAN CORPORATE BOND RESEARCH ENHANCED ETF ETF 46641Q449 1,291 27,978 SH   SOLE   27,978 0 0
OWL ROCK CAPITAL CORPORATION COM CEF 69121K104 2,736 221,927 SH   SOLE   221,927 0 0
WABTEC COM Stock 929740108 278 3,392 SH   SOLE   3,392 0 0
LILLY ELI & CO COM Stock 532457108 883 2,725 SH   SOLE   2,724 0 0
AIR PRODS & CHEMS INC COM Stock 009158106 331 1,376 SH   SOLE   1,376 0 0
GRANITESHARES XOUT U.S. LARGE CAP ETF ETF 38747R603 545 16,583 SH   SOLE   16,583 0 0
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 218 4,219 SH   SOLE   4,218 0 0
ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473 738 7,265 SH   SOLE   7,265 0 0
VANGUARD MORTGAGE-BACKED SECURITIES ETF ETF 92206C771 373 7,800 SH   SOLE   7,800 0 0
VANGUARD S&P 500 GROWTH ETF ETF 921932505 651 2,991 SH   SOLE   2,990 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655 1,554 9,173 SH   SOLE   9,172 0 0
FIDELITY NATL INFORMATION SVCS COM Stock 31620M106 216 2,356 SH   SOLE   2,356 0 0
ISHARES CORE HIGH DIVIDEND ETF ETF 46429B663 8,796 87,585 SH   SOLE   87,584 0 0
MICRON TECHNOLOGY INC COM Stock 595112103 393 7,115 SH   SOLE   7,115 0 0
CARRIER GLOBAL CORPORATION COM Stock 14448C104 556 15,580 SH   SOLE   15,580 0 0
ROYALTY PHARMA PLC SHS CLASS A Stock G7709Q104 3,531 84,001 SH   SOLE   84,001 0 0
AMERICAN ELEC PWR CO INC COM Stock 025537101 1,969 20,522 SH   SOLE   20,522 0 0
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481 1,173 14,806 SH   SOLE   14,806 0 0
VANGUARD FTSE PACIFIC ETF ETF 922042866 810 12,763 SH   SOLE   12,763 0 0
FIRST TR EXCHANGE TRADED FD II CLOUD COMPUTING ETF 33734X192 713 10,814 SH   SOLE   10,814 0 0
REGENERON PHARMACEUTICALS COM Stock 75886F107 516 873 SH   SOLE   873 0 0
ISHARES MSCI EAFE VALUE ETF ETF 464288877 818 18,850 SH   SOLE   18,850 0 0
AIRBNB INC COM CL A Stock 009066101 239 2,678 SH   SOLE   2,678 0 0
VANGUARD MID-CAP GROWTH INDEX FUND ETF 922908538 267 1,525 SH   SOLE   1,525 0 0
WHEELS UP EXPERIENCE INC COM CL A Stock 96328L106 39 20,024 SH   SOLE   20,024 0 0
ISHARES MSCI GLOBAL MIN VOL FACTOR ETF ETF 464286525 877 9,285 SH   SOLE   9,285 0 0
VISA INC COM CL A Stock 92826C839 1,507 7,656 SH   SOLE   7,655 0 0
ISHARES CMBS ETF ETF 46429B366 740 15,375 SH   SOLE   15,374 0 0
VANGUARD VALUE INDEX FUND ETF 922908744 363 2,752 SH   SOLE   2,752 0 0
AMERICAN TOWER CORP NEW COM REIT 03027X100 309 1,207 SH   SOLE   1,207 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150 366 4,363 SH   SOLE   4,363 0 0
META PLATFORMS INC CL A Stock 30303M102 2,238 13,878 SH   SOLE   13,878 0 0
SERVICENOW INC COM Stock 81762P102 528 1,110 SH   SOLE   1,110 0 0
PALO ALTO NETWORKS INC COM Stock 697435105 440 890 SH   SOLE   890 0 0
MONDELEZ INTL INC CL A Stock 609207105 617 9,942 SH   SOLE   9,941 0 0
BROADCOM INC COM Stock 11135F101 3,141 6,465 SH   SOLE   6,464 0 0
EATON VANCE TAX MNGED BUY WRIT COM CEF 27828X100 156 10,372 SH   SOLE   10,372 0 0
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 425 8,471 SH   SOLE   8,471 0 0
MARTIN MARIETTA MATLS INC COM Stock 573284106 365 1,219 SH   SOLE   1,219 0 0
MAGNA INTL INC COM Stock 559222401 667 12,152 SH   SOLE   12,151 0 0
NOVARTIS AG SPONSORED ADR ADR 66987V109 809 9,574 SH   SOLE   9,573 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842 5,789 98,364 SH   SOLE   98,363 0 0
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101 685 2,465 SH   SOLE   2,465 0 0
MOHAWK INDS INC COM Stock 608190104 347 2,798 SH   SOLE   2,798 0 0
SPDR BLOOMBERG INVESTMENT GRADE FLOATING RATE ETF ETF 78468R200 1,130 37,534 SH   SOLE   37,534 0 0
NVIDIA CORPORATION COM Stock 67066G104 14,113 93,098 SH   SOLE   93,098 0 0
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646 5,246 103,780 SH   SOLE   103,779 0 0
GRAINGER W W INC COM Stock 384802104 318 699 SH   SOLE   699 0 0
ABBVIE INC COM Stock 00287Y109 1,402 9,155 SH   SOLE   9,155 0 0
SPDR S&P BIOTECH ETF ETF 78464A870 229 3,079 SH   SOLE   3,079 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103 5,227 106,540 SH   SOLE   106,539 0 0
VANGUARD TOTAL BOND MARKET INDEX FUND ETF 921937835 1,571 20,873 SH   SOLE   20,873 0 0
VANGUARD FTSE ALL-WORLD EX US INDEX FUND ETF 922042775 1,617 32,356 SH   SOLE   32,356 0 0
ISHARES MSCI EMERGING MARKETS SMALL-CAP ETF ETF 464286475 552 11,491 SH   SOLE   11,490 0 0
ZOETIS INC CL A Stock 98978V103 344 2,002 SH   SOLE   2,002 0 0
TRUSTCO BK CORP N Y COM NEW Stock 898349204 676 21,919 SH   SOLE   21,919 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF 464287648 751 3,642 SH   SOLE   3,642 0 0
BLACKSTONE INC COM Stock 09260D107 1,592 17,449 SH   SOLE   17,449 0 0
CHURCH & DWIGHT CO INC COM Stock 171340102 7,464 80,555 SH   SOLE   80,554 0 0
QUALCOMM INC COM Stock 747525103 509 3,982 SH   SOLE   3,981 0 0
SPDR BLACKSTONE SENIOR LOAN ETF ETF 78467V608 1,114 26,757 SH   SOLE   26,757 0 0
GENERAL DYNAMICS CORP COM Stock 369550108 449 2,030 SH   SOLE   2,029 0 0
INTUITIVE SURGICAL INC COM NEW Stock 46120E602 305 1,522 SH   SOLE   1,522 0 0
MCDONALDS CORP COM Stock 580135101 2,738 11,090 SH   SOLE   11,090 0 0
INTERCONTINENTAL EXCHANGE INC COM Stock 45866F104 239 2,544 SH   SOLE   2,543 0 0
CISCO SYS INC COM Stock 17275R102 3,243 76,065 SH   SOLE   76,065 0 0
CAPITAL ONE FINL CORP COM Stock 14040H105 1,758 16,878 SH   SOLE   16,877 0 0
ISHARES RUSSELL MID-CAP ETF ETF 464287499 715 11,064 SH   SOLE   11,064 0 0
ADVANCED MICRO DEVICES INC COM Stock 007903107 397 5,187 SH   SOLE   5,186 0 0
AUTODESK INC COM Stock 052769106 348 2,026 SH   SOLE   2,026 0 0
AT&T INC COM Stock 00206R102 675 32,181 SH   SOLE   32,180 0 0
VANGUARD FINANCIALS INDEX FUND ETF 92204A405 259 3,361 SH   SOLE   3,361 0 0
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506 7,363 102,964 SH   SOLE   102,963 0 0
MATERIALS SELECT SECTOR SPDR FUND ETF 81369Y100 7,446 101,165 SH   SOLE   101,164 0 0
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513 3,596 48,858 SH   SOLE   48,858 0 0
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887 219 2,078 SH   SOLE   2,078 0 0
INFINERA CORP COM Stock 45667G103 70 13,000 SH   SOLE   13,000 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407 15,683 114,075 SH   SOLE   114,074 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704 8,153 93,348 SH   SOLE   93,347 0 0
CHARTER COMMUNICATIONS INC NEW CL A Stock 16119P108 218 465 SH   SOLE   465 0 0
BLACKROCK SHORT MATURITY BOND ETF ETF 46431W507 473 9,598 SH   SOLE   9,598 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408 7,177 52,214 SH   SOLE   52,213 0 0
SPDR PORTFOLIO S&P 600 SMALL CAP ETF ETF 78468R853 272 7,558 SH   SOLE   7,558 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 9,033 149,670 SH   SOLE   149,669 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 26,267 69,279 SH   SOLE   69,279 0 0
WELLS FARGO CO NEW COM Stock 949746101 235 6,000 SH   SOLE   6,000 0 0
UNION PAC CORP COM Stock 907818108 12,008 56,301 SH   SOLE   56,300 0 0
ISHARES PREFERRED AND INCOME SECURITIES ETF ETF 464288687 7,449 226,537 SH   SOLE   226,536 0 0
SALESFORCE INC COM Stock 79466L302 995 6,030 SH   SOLE   6,030 0 0
MCCORMICK & CO INC COM NON VTG Stock 579780206 312 3,751 SH   SOLE   3,751 0 0
NORTHROP GRUMMAN CORP COM Stock 666807102 2,542 5,311 SH   SOLE   5,311 0 0
SPDR EURO STOXX 50 ETF ETF 78463X202 1,895 54,478 SH   SOLE   54,478 0 0
THERMO FISHER SCIENTIFIC INC COM Stock 883556102 380 699 SH   SOLE   699 0 0
LOCKHEED MARTIN CORP COM Stock 539830109 368 855 SH   SOLE   854 0 0
JPMORGAN CHASE & CO COM Stock 46625H100 7,227 64,173 SH   SOLE   64,173 0 0
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288638 1,200 23,495 SH   SOLE   23,495 0 0
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509 2,124 61,075 SH   SOLE   61,075 0 0
CHEVRON CORP NEW COM Stock 166764100 5,274 36,426 SH   SOLE   36,425 0 0
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 5,415 50,911 SH   SOLE   50,910 0 0
CONOCOPHILLIPS COM Stock 20825C104 3,426 38,151 SH   SOLE   38,151 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 473 11,603 SH   SOLE   11,602 0 0
DANAHER CORPORATION COM Stock 235851102 7,285 28,735 SH   SOLE   28,735 0 0
BK OF AMERICA CORP COM Stock 060505104 2,025 65,035 SH   SOLE   65,034 0 0
SPDR S&P DIVIDEND ETF ETF 78464A763 5,600 47,184 SH   SOLE   47,183 0 0
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 469 10,094 SH   SOLE   10,094 0 0
WALMART INC COM Stock 931142103 5,235 43,062 SH   SOLE   43,062 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 570 4,039 SH   SOLE   4,039 0 0
ORACLE CORP COM Stock 68389X105 509 7,284 SH   SOLE   7,284 0 0
RAYTHEON TECHNOLOGIES CORP COM Stock 75513E101 2,563 26,672 SH   SOLE   26,672 0 0
TEXAS INSTRS INC COM Stock 882508104 9,953 64,775 SH   SOLE   64,775 0 0
TARGET CORP COM Stock 87612E106 388 2,744 SH   SOLE   2,744 0 0
VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 1,579 15,527 SH   SOLE   15,527 0 0
PFIZER INC COM Stock 717081103 3,137 59,835 SH   SOLE   59,835 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 4,923 44,739 SH   SOLE   44,738 0 0
MORGAN STANLEY COM NEW Stock 617446448 375 4,928 SH   SOLE   4,928 0 0
3M CO COM Stock 88579Y101 510 3,942 SH   SOLE   3,941 0 0
KLA CORP COM NEW Stock 482480100 657 2,059 SH   SOLE   2,059 0 0
CATERPILLAR INC COM Stock 149123101 1,083 6,058 SH   SOLE   6,057 0 0
ALPHABET INC CAP STK CL C Stock 02079K107 3,633 1,661 SH   SOLE   1,660 0 0
AMERICAN EXPRESS CO COM Stock 025816109 679 4,897 SH   SOLE   4,896 0 0
AMGEN INC COM Stock 031162100 875 3,595 SH   SOLE   3,595 0 0
OTIS WORLDWIDE CORP COM Stock 68902V107 470 6,653 SH   SOLE   6,653 0 0
ANALOG DEVICES INC COM Stock 032654105 205 1,401 SH   SOLE   1,401 0 0
INVESCO VARIABLE RATE PREFERRED ETF ETF 46138G870 396 17,849 SH   SOLE   17,849 0 0
CHECK POINT SOFTWARE TECH LTD ORD Stock M22465104 4,471 36,713 SH   SOLE   36,713 0 0
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 617 4,303 SH   SOLE   4,303 0 0
ISHARES MSCI EAFE SMALL-CAP ETF ETF 464288273 1,749 32,047 SH   SOLE   32,047 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 1,486 14,618 SH   SOLE   14,617 0 0
EATON CORP PLC SHS Stock G29183103 241 1,916 SH   SOLE   1,916 0 0
ISHARES CORE MSCI EUROPE ETF ETF 46434V738 14,455 321,498 SH   SOLE   321,497 0 0
ISHARES EXPANDED TECH SECTOR ETF ETF 464287549 505 1,714 SH   SOLE   1,714 0 0
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606 760 11,927 SH   SOLE   11,927 0 0
ISHARES S&P MID-CAP 400 VALUE ETF ETF 464287705 450 4,771 SH   SOLE   4,771 0 0
ISHARES INTERMEDIATE GOVERNMENT/CREDIT BOND ETF ETF 464288612 1,008 9,554 SH   SOLE   9,553 0 0
AXALTA COATING SYS LTD COM Stock G0750C108 321 14,535 SH   SOLE   14,535 0 0
CORBUS PHARMACEUTICALS HLDGS I COM Stock 21833P103 3 13,420 SH   SOLE   13,420 0 0
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 4,958 64,560 SH   SOLE   64,560 0 0
SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409 1,782 34,083 SH   SOLE   34,082 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508 836 22,697 SH   SOLE   22,697 0 0
PHILIP MORRIS INTL INC COM Stock 718172109 767 7,769 SH   SOLE   7,768 0 0
ROPER TECHNOLOGIES INC COM Stock 776696106 3,076 7,795 SH   SOLE   7,794 0 0
PNC FINL SVCS GROUP INC COM Stock 693475105 367 2,326 SH   SOLE   2,326 0 0
BRISTOL-MYERS SQUIBB CO COM Stock 110122108 649 8,432 SH   SOLE   8,431 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689 1,031 4,743 SH   SOLE   4,742 0 0
REALTY INCOME CORP COM REIT 756109104 240 3,514 SH   SOLE   3,514 0 0
ALTRIA GROUP INC COM Stock 02209S103 222 5,324 SH   SOLE   5,323 0 0
DOMINION ENERGY INC COM Stock 25746U109 776 9,721 SH   SOLE   9,720 0 0
CITIGROUP INC COM NEW Stock 172967424 334 7,254 SH   SOLE   7,254 0 0
EXXON MOBIL CORP COM Stock 30231G102 2,540 29,654 SH   SOLE   29,653 0 0
UNITEDHEALTH GROUP INC COM Stock 91324P102 1,813 3,529 SH   SOLE   3,529 0 0
PRICE T ROWE GROUP INC COM Stock 74144T108 297 2,610 SH   SOLE   2,610 0 0
TRAVELERS COMPANIES INC COM Stock 89417E109 265 1,570 SH   SOLE   1,569 0 0
LOWES COS INC COM Stock 548661107 7,878 45,101 SH   SOLE   45,101 0 0
ARK INNOVATION ETF ETF 00214Q104 5 117 SH   SOLE   117 0 0
DEERE & CO COM Stock 244199105 1,606 5,362 SH   SOLE   5,361 0 0
ISHARES INTEREST RATE HEDGED CORPORATE BOND ETF ETF 46431W705 928 10,286 SH   SOLE   10,286 0 0
COLGATE PALMOLIVE CO COM Stock 194162103 538 6,708 SH   SOLE   6,707 0 0
AMERICAN INTL GROUP INC COM NEW Stock 026874784 204 3,983 SH   SOLE   3,983 0 0
UTILITIES SELECT SECTOR SPDR FUND ETF 81369Y886 7,079 100,943 SH   SOLE   100,942 0 0
KRAFT HEINZ CO COM Stock 500754106 921 24,139 SH   SOLE   24,138 0 0
PAYPAL HLDGS INC COM Stock 70450Y103 372 5,322 SH   SOLE   5,322 0 0
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 7,614 264,016 SH   SOLE   264,015 0 0
CROWN CASTLE INTL CORP NEW COM REIT 22822V101 384 2,280 SH   SOLE   2,279 0 0
BLACKROCK INC COM Stock 09247X101 466 765 SH   SOLE   764 0 0
ISHARES S&P MIDCAP FUND ETF 464287507 22,033 97,394 SH   SOLE   97,393 0 0
ISHARES MSCI EAFE ETF ETF 464287465 1,278 20,448 SH   SOLE   20,447 0 0
APPLE INC COM Stock 037833100 25,702 187,991 SH   SOLE   187,991 0 0
GOLDMAN SACHS ACTIVEBETA U.S. LARGE CAP EQUITY ETF ETF 381430503 2,773 37,004 SH   SOLE   37,004 0 0
ABBOTT LABS COM Stock 002824100 8,220 75,658 SH   SOLE   75,658 0 0
DISNEY WALT CO COM Stock 254687106 5,841 61,876 SH   SOLE   61,876 0 0
ISHARES RUSSELL 1000 ETF ETF 464287622 1,333 6,414 SH   SOLE   6,414 0 0
MARSH & MCLENNAN COS INC COM Stock 571748102 385 2,477 SH   SOLE   2,477 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 15,170 104,641 SH   SOLE   104,640 0 0