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 414 2,332 SH   SOLE   0 0 2,332
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 207 500 SH   SOLE   0 0 500
ALLSTATE CORP COM 020002101 216 1,839 SH   SOLE   0 0 1,839
ALPHABET INC CAP STK CL C 02079K107 909 314 SH   SOLE   0 0 314
ALPHABET INC CAP STK CL A 02079K305 765 264 SH   SOLE   0 0 264
AMAZON COM INC COM 023135106 2,114 634 SH   SOLE   0 0 634
APPLE INC COM 037833100 3,227 18,174 SH   SOLE   0 0 18,174
AT&T INC COM 00206R102 403 16,369 SH   SOLE   0 0 16,369
BANK NEW YORK MELLON CORP COM 064058100 314 5,413 SH   SOLE   0 0 5,413
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,796 6,007 SH   SOLE   0 0 6,007
BOEING CO COM 097023105 232 1,151 SH   SOLE   0 0 1,151
CHEVRON CORP NEW COM 166764100 1,065 9,076 SH   SOLE   0 0 9,076
COCA COLA CO COM 191216100 509 8,601 SH   SOLE   0 0 8,601
COSTCO WHSL CORP NEW COM 22160K105 339 598 SH   SOLE   0 0 598
CROCS INC COM 227046109 340 2,654 SH   SOLE   0 0 2,654
DISNEY WALT CO COM 254687106 304 1,963 SH   SOLE   0 0 1,963
ENTERPRISE PRODS PARTNERS L COM 293792107 643 29,292 SH   SOLE   0 0 29,292
ETF SER SOLUTIONS US DIVERSIFIED 26922A511 331 8,391 SH   SOLE   0 0 8,391
EXXON MOBIL CORP COM 30231G102 1,508 24,649 SH   SOLE   0 0 24,649
FLEXSHARES TR INTL QLTDV IDX 33939L837 306 11,960 SH   SOLE   0 0 11,960
FLEXSHARES TR QUALT DIVD IDX 33939L860 501 8,160 SH   SOLE   0 0 8,160
FORD MTR CO DEL COM 345370860 380 18,303 SH   SOLE   0 0 18,303
GLOBAL X FDS GLB X MLP ENRG I 37954Y293 328 9,280 SH   SOLE   0 0 9,280
GLOBAL X FDS RATE PREFERRED 37954Y376 334 12,026 SH   SOLE   0 0 12,026
GLOBAL X FDS US PFD ETF 37954Y657 572 22,212 SH   SOLE   0 0 22,212
HOME DEPOT INC COM 437076102 1,504 3,625 SH   SOLE   0 0 3,625
INTEL CORP COM 458140100 352 6,827 SH   SOLE   0 0 6,827
INTERNATIONAL BUSINESS MACHS COM 459200101 773 5,786 SH   SOLE   0 0 5,786
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 4,639 28,502 SH   SOLE   0 0 28,502
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 511 2,977 SH   SOLE   0 0 2,977
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738 1,892 38,815 SH   SOLE   0 0 38,815
INVESCO EXCHANGE TRADED FD T DYNMC LRG GWTH 46137V746 3,144 38,929 SH   SOLE   0 0 38,929
ISHARES GOLD TR ISHARES NEW 464285204 1,667 47,901 SH   SOLE   0 0 47,901
ISHARES INC CORE MSCI EMKT 46434G103 4,384 73,231 SH   SOLE   0 0 73,231
ISHARES SILVER TR ISHARES 46428Q109 294 13,650 SH   SOLE   0 0 13,650
ISHARES TR CORE S&P500 ETF 464287200 575 1,205 SH   SOLE   0 0 1,205
ISHARES TR CORE US AGGBD ET 464287226 880 7,714 SH   SOLE   0 0 7,714
ISHARES TR MSCI EAFE ETF 464287465 1,443 18,336 SH   SOLE   0 0 18,336
ISHARES TR RUS MDCP VAL ETF 464287473 362 2,960 SH   SOLE   0 0 2,960
ISHARES TR RUS 1000 ETF 464287622 7,991 30,218 SH   SOLE   0 0 30,218
ISHARES TR RUS 2000 VAL ETF 464287630 808 4,863 SH   SOLE   0 0 4,863
ISHARES TR RUSSELL 2000 ETF 464287655 3,048 13,700 SH   SOLE   0 0 13,700
ISHARES TR CORE S&P US VLU 464287663 680 8,902 SH   SOLE   0 0 8,902
ISHARES TR RUSSELL 3000 ETF 464287689 1,377 4,963 SH   SOLE   0 0 4,963
ISHARES TR CORE S&P SCP ETF 464287804 503 4,397 SH   SOLE   0 0 4,397
ISHARES TR GLB INFRASTR ETF 464288372 361 7,595 SH   SOLE   0 0 7,595
ISHARES TR MSCI KLD400 SOC 464288570 210 2,256 SH   SOLE   0 0 2,256
ISHARES TR US AER DEF ETF 464288760 455 4,424 SH   SOLE   0 0 4,424
ISHARES TR CORE HIGH DV ETF 46429B663 364 3,600 SH   SOLE   0 0 3,600
ISHARES TR MSCI USA QLT FCT 46432F339 254 1,742 SH   SOLE   0 0 1,742
ISHARES TR CORE MSCI TOTAL 46432F834 1,589 22,397 SH   SOLE   0 0 22,397
ISHARES TR CORE MSCI EAFE 46432F842 2,715 36,369 SH   SOLE   0 0 36,369
ISHARES TR MSCI INTL QUALTY 46434V456 502 12,750 SH   SOLE   0 0 12,750
ISHARES TR CORE TOTAL USD 46434V613 31,227 589,964 SH   SOLE   0 0 589,964
ISHARES TR HDG MSCI EAFE 46434V803 1,034 29,276 SH   SOLE   0 0 29,276
ISHARES TR ESG AWRE 1 5 YR 46435G243 523 20,401 SH   SOLE   0 0 20,401
ISHARES TR RUSEL 2500 ETF 46435G268 266 4,000 SH   SOLE   0 0 4,000
ISHARES TR ESG MSCI LEADR 46435U218 313 3,709 SH   SOLE   0 0 3,709
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 338 6,775 SH   SOLE   0 0 6,775
JOHNSON & JOHNSON COM 478160104 766 4,479 SH   SOLE   0 0 4,479
JPMORGAN CHASE & CO COM 46625H100 557 3,515 SH   SOLE   0 0 3,515
LOWES COS INC COM 548661107 517 2,000 SH   SOLE   0 0 2,000
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 213 4,587 SH   SOLE   0 0 4,587
MERCK & CO INC COM 58933Y105 330 4,309 SH   SOLE   0 0 4,309
META PLATFORMS INC CL A 30303M102 2,808 8,348 SH   SOLE   0 0 8,348
MICROSOFT CORP COM 594918104 2,372 7,053 SH   SOLE   0 0 7,053
MONMOUTH REAL ESTATE INVT CO CL A 609720107 210 10,000 SH   SOLE   0 0 10,000
MORGAN STANLEY COM NEW 617446448 208 2,122 SH   SOLE   0 0 2,122
NEXTERA ENERGY INC COM 65339F101 3,160 33,852 SH   SOLE   0 0 33,852
NORFOLK SOUTHN CORP COM 655844108 1,404 4,715 SH   SOLE   0 0 4,715
NORTHERN LTS FD TR IV INSPIRE 100ETF 66538H534 315 7,992 SH   SOLE   0 0 7,992
ONEOK INC NEW COM 682680103 213 3,618 SH   SOLE   0 0 3,618
PEPSICO INC COM 713448108 284 1,634 SH   SOLE   0 0 1,634
PFIZER INC COM 717081103 619 10,487 SH   SOLE   0 0 10,487
PROCTER AND GAMBLE CO COM 742718109 219 1,338 SH   SOLE   0 0 1,338
ROYAL BK CDA COM 780087102 234 2,206 SH   SOLE   0 0 2,206
ROYAL DUTCH SHELL PLC SPON ADR B 780259107 274 6,331 SH   SOLE   0 0 6,331
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3,801 33,638 SH   SOLE   0 0 33,638
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,621 14,240 SH   SOLE   0 0 14,240
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 400 5,464 SH   SOLE   0 0 5,464
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,122 10,958 SH   SOLE   0 0 10,958
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,655 157,166 SH   SOLE   0 0 157,166
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 2,285 73,743 SH   SOLE   0 0 73,743
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 1,963 60,367 SH   SOLE   0 0 60,367
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 13,619 232,367 SH   SOLE   0 0 232,367
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 427 5,278 SH   SOLE   0 0 5,278
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 6,020 154,877 SH   SOLE   0 0 154,877
SCHWAB STRATEGIC TR US REIT ETF 808524847 8,852 168,001 SH   SOLE   0 0 168,001
SCHWAB STRATEGIC TR US TIPS ETF 808524870 480 7,640 SH   SOLE   0 0 7,640
SELECT SECTOR SPDR TR ENERGY 81369Y506 260 4,678 SH   SOLE   0 0 4,678
SIMON PPTY GROUP INC NEW COM 828806109 205 1,280 SH   SOLE   0 0 1,280
SOUTHERN CO COM 842587107 529 7,719 SH   SOLE   0 0 7,719
SPDR GOLD TR GOLD SHS 78463V107 1,637 9,573 SH   SOLE   0 0 9,573
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 404 9,730 SH   SOLE   0 0 9,730
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 1,215 22,509 SH   SOLE   0 0 22,509
SPDR S&P 500 ETF TR TR UNIT 78462F103 12,731 26,805 SH   SOLE   0 0 26,805
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 5,460 10,547 SH   SOLE   0 0 10,547
SPDR SER TR S&P DIVID ETF 78464A763 4,466 34,591 SH   SOLE   0 0 34,591
STERLING BANCORP DEL COM 85917A100 284 11,000 SH   SOLE   0 0 11,000
TARGET CORP COM 87612E106 205 885 SH   SOLE   0 0 885
TESLA INC COM 88160R101 638 604 SH   SOLE   0 0 604
TORONTO DOMINION BK ONT COM NEW 891160509 210 2,740 SH   SOLE   0 0 2,740
TRANE TECHNOLOGIES PLC SHS G8994E103 303 1,500 SH   SOLE   0 0 1,500
UMH PPTYS INC COM 903002103 309 11,297 SH   SOLE   0 0 11,297
UNION PAC CORP COM 907818108 1,159 4,602 SH   SOLE   0 0 4,602
VANECK ETF TRUST NATURAL RESOURC 92189F841 365 7,732 SH   SOLE   0 0 7,732
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 15,149 130,586 SH   SOLE   0 0 130,586
VANGUARD INDEX FDS SM CP VAL ETF 922908611 5,873 32,840 SH   SOLE   0 0 32,840
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 21,762 119,010 SH   SOLE   0 0 119,010
VANGUARD INDEX FDS VALUE ETF 922908744 11,924 81,057 SH   SOLE   0 0 81,057
VANGUARD INDEX FDS TOTAL STK MKT 922908769 12,783 52,946 SH   SOLE   0 0 52,946
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 17,123 279,426 SH   SOLE   0 0 279,426
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,864 78,125 SH   SOLE   0 0 78,125
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 4,284 78,021 SH   SOLE   0 0 78,021
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 5,269 64,839 SH   SOLE   0 0 64,839
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 233 1,080 SH   SOLE   0 0 1,080
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,968 21,212 SH   SOLE   0 0 21,212
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 28,568 166,335 SH   SOLE   0 0 166,335
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,787 35,002 SH   SOLE   0 0 35,002
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 211 1,886 SH   SOLE   0 0 1,886
VANGUARD WORLD FD ESG US STK ETF 921910733 375 4,264 SH   SOLE   0 0 4,264
VERIZON COMMUNICATIONS INC COM 92343V104 246 4,736 SH   SOLE   0 0 4,736
WALMART INC COM 931142103 226 1,562 SH   SOLE   0 0 1,562