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 284 2,193 SH   SOLE 0 0 0 2,193
ABBOTT LABS COM 002824100 500 4,601 SH   SOLE 0 0 0 4,601
ABBVIE INC COM 00287Y109 422 2,756 SH   SOLE 0 0 0 2,756
ABIOMED INC COM 003654100 248 1,000 SH   SOLE 0 0 0 1,000
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 634 2,284 SH   SOLE 0 0 0 2,284
ADOBE SYSTEMS INCORPORATED COM 00724F101 428 1,168 SH   SOLE 0 0 0 1,168
ALLEGION PLC ORD SHS G0176J109 228 2,333 SH   SOLE 0 0 0 2,333
ALPHABET INC CAP STK CL C 02079K107 1,619 740 SH   SOLE 0 0 0 740
ALPHABET INC CAP STK CL A 02079K305 2,171 996 SH   SOLE 0 0 0 996
AMAZON COM INC COM 023135106 552 5,200 SH   SOLE 0 0 0 5,200
AMERICAN ELEC PWR CO INC COM 025537101 223 2,326 SH   SOLE 0 0 0 2,326
AMERICAN EXPRESS CO COM 025816109 612 4,418 SH   SOLE 0 0 0 4,418
AMGEN INC COM 031162100 817 3,357 SH   SOLE 0 0 0 3,357
APPLE INC COM 037833100 8,322 60,869 SH   SOLE 0 0 0 60,869
AT&T INC COM 00206R102 515 24,558 SH   SOLE 0 0 0 24,558
AUTOMATIC DATA PROCESSING IN COM 053015103 652 3,105 SH   SOLE 0 0 0 3,105
BANK NEW YORK MELLON CORP COM 064058100 264 6,325 SH   SOLE 0 0 0 6,325
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,320 4,833 SH   SOLE 0 0 0 4,833
BIOGEN INC COM 09062X103 970 4,754 SH   SOLE 0 0 0 4,754
BRISTOL-MYERS SQUIBB CO COM 110122108 1,900 24,682 SH   SOLE 0 0 0 24,682
BROWN FORMAN CORP CL B 115637209 219 3,125 SH   SOLE 0 0 0 3,125
CARLISLE COS INC COM 142339100 481 2,015 SH   SOLE 0 0 0 2,015
CIGNA CORP NEW COM 125523100 559 2,123 SH   SOLE 0 0 0 2,123
CINTAS CORP COM 172908105 326 872 SH   SOLE 0 0 0 872
CISCO SYS INC COM 17275R102 1,109 26,019 SH   SOLE 0 0 0 26,019
COCA COLA CO COM 191216100 773 12,288 SH   SOLE 0 0 0 12,288
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 315 4,665 SH   SOLE 0 0 0 4,665
COLGATE PALMOLIVE CO COM 194162103 289 3,600 SH   SOLE 0 0 0 3,600
CONSTELLATION BRANDS INC CL A 21036P108 311 1,335 SH   SOLE 0 0 0 1,335
COSTCO WHSL CORP NEW COM 22160K105 3,178 6,631 SH   SOLE 0 0 0 6,631
CSX CORP COM 126408103 236 8,130 SH   SOLE 0 0 0 8,130
CVS HEALTH CORP COM 126650100 1,454 15,689 SH   SOLE 0 0 0 15,689
DANAHER CORPORATION COM 235851102 712 2,808 SH   SOLE 0 0 0 2,808
DEERE & CO COM 244199105 222 742 SH   SOLE 0 0 0 742
DIAGEO PLC SPON ADR NEW 25243Q205 525 3,015 SH   SOLE 0 0 0 3,015
DIGITAL RLTY TR INC COM 253868103 260 2,000 SH   SOLE 0 0 0 2,000
DISNEY WALT CO COM 254687106 564 5,971 SH   SOLE 0 0 0 5,971
DOMINION ENERGY INC COM 25746U109 319 3,994 SH   SOLE 0 0 0 3,994
DUPONT DE NEMOURS INC COM 26614N102 710 12,782 SH   SOLE 0 0 0 12,782
EATON CORP PLC SHS G29183103 338 2,685 SH   SOLE 0 0 0 2,685
ELECTRONIC ARTS INC COM 285512109 246 2,020 SH   SOLE 0 0 0 2,020
EXPRESS INC COM 30219E103 39 19,923 SH   SOLE 0 0 0 19,923
EXXON MOBIL CORP COM 30231G102 412 4,813 SH   SOLE 0 0 0 4,813
FACTSET RESH SYS INC COM 303075105 404 1,050 SH   SOLE 0 0 0 1,050
FIDELITY MERRIMACK STR TR LOW DURTIN ETF 316188408 482 9,730 SH   SOLE 0 0 0 9,730
GARMIN LTD SHS H2906T109 790 8,042 SH   SOLE 0 0 0 8,042
GENERAL ELECTRIC CO COM NEW 369604301 651 10,221 SH   SOLE 0 0 0 10,221
HOME DEPOT INC COM 437076102 1,672 6,096 SH   SOLE 0 0 0 6,096
INTEL CORP COM 458140100 499 13,329 SH   SOLE 0 0 0 13,329
INTUITIVE SURGICAL INC COM NEW 46120E602 903 4,500 SH   SOLE 0 0 0 4,500
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 1,086 60,215 SH   SOLE 0 0 0 60,215
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 1,330 45,689 SH   SOLE 0 0 0 45,689
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 456 21,507 SH   SOLE 0 0 0 21,507
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 574 27,375 SH   SOLE 0 0 0 27,375
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 352 16,980 SH   SOLE 0 0 0 16,980
ISHARES GOLD TR ISHARES NEW 464285204 3,764 109,692 SH   SOLE 0 0 0 109,692
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107 224 9,707 SH   SOLE 0 0 0 9,707
ISHARES TR EAFE VALUE ETF 464288877 1,842 42,440 SH   SOLE 0 0 0 42,440
ISHARES TR MSCI AC ASIA ETF 464288182 208 3,000 SH   SOLE 0 0 0 3,000
ISHARES TR SELECT DIVID ETF 464287168 2,120 18,014 SH   SOLE 0 0 0 18,014
ISHARES TR TIPS BD ETF 464287176 1,183 10,389 SH   SOLE 0 0 0 10,389
ISHARES TR CORE US AGGBD ET 464287226 419 4,116 SH   SOLE 0 0 0 4,116
ISHARES TR CORE DIV GRWTH 46434V621 273 5,721 SH   SOLE 0 0 0 5,721
ISHARES TR 0-5YR INVT GR CP 46434V100 646 13,334 SH   SOLE 0 0 0 13,334
ISHARES TR MSCI ACWI ETF 464288257 708 8,436 SH   SOLE 0 0 0 8,436
ISHARES TR SHRT NAT MUN ETF 464288158 922 8,810 SH   SOLE 0 0 0 8,810
ISHARES TR 3 7 YR TREAS BD 464288661 17,677 148,119 SH   SOLE 0 0 0 148,119
ISHARES TR NATIONAL MUN ETF 464288414 1,025 9,640 SH   SOLE 0 0 0 9,640
ISHARES TR EAFE SML CP ETF 464288273 261 4,773 SH   SOLE 0 0 0 4,773
ISHARES TR ISHS 1-5YR INVS 464288646 722 14,282 SH   SOLE 0 0 0 14,282
ISHARES TR CORE S&P SCP ETF 464287804 439 4,752 SH   SOLE 0 0 0 4,752
ISHARES TR S&P 500 VAL ETF 464287408 1,815 13,205 SH   SOLE 0 0 0 13,205
ISHARES TR CORE S&P500 ETF 464287200 830 2,189 SH   SOLE 0 0 0 2,189
ISHARES TR RUSSELL 2000 ETF 464287655 390 2,301 SH   SOLE 0 0 0 2,301
ISHARES TR RUS 2000 VAL ETF 464287630 1,833 13,462 SH   SOLE 0 0 0 13,462
ISHARES TR U.S. REAL ES ETF 464287739 3,762 40,900 SH   SOLE 0 0 0 40,900
ISHARES TR ISHARES BIOTECH 464287556 618 5,251 SH   SOLE 0 0 0 5,251
ISHARES TR 1 3 YR TREAS BD 464287457 749 9,052 SH   SOLE 0 0 0 9,052
ISHARES TR 7-10 YR TRSY BD 464287440 2,994 29,269 SH   SOLE 0 0 0 29,269
ISHARES TR 20 YR TR BD ETF 464287432 344 2,996 SH   SOLE 0 0 0 2,996
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 807 16,105 SH   SOLE 0 0 0 16,105
JOHNSON & JOHNSON COM 478160104 1,768 9,962 SH   SOLE 0 0 0 9,962
JPMORGAN CHASE & CO COM 46625H100 868 7,709 SH   SOLE 0 0 0 7,709
KINDER MORGAN INC DEL COM 49456B101 913 54,482 SH   SOLE 0 0 0 54,482
L3HARRIS TECHNOLOGIES INC COM 502431109 269 1,111 SH   SOLE 0 0 0 1,111
LENNAR CORP CL A 526057104 713 10,107 SH   SOLE 0 0 0 10,107
LITHIA MTRS INC COM 536797103 763 2,777 SH   SOLE 0 0 0 2,777
LOWES COS INC COM 548661107 568 3,250 SH   SOLE 0 0 0 3,250
MCDONALDS CORP COM 580135101 789 3,194 SH   SOLE 0 0 0 3,194
MERCK & CO INC COM 58933Y105 662 7,261 SH   SOLE 0 0 0 7,261
META PLATFORMS INC CL A 30303M102 352 2,182 SH   SOLE 0 0 0 2,182
MICROSOFT CORP COM 594918104 2,322 9,040 SH   SOLE 0 0 0 9,040
MID-AMER APT CMNTYS INC COM 59522J103 251 1,435 SH   SOLE 0 0 0 1,435
MONDELEZ INTL INC CL A 609207105 244 3,935 SH   SOLE 0 0 0 3,935
NEXTERA ENERGY INC COM 65339F101 1,483 19,143 SH   SOLE 0 0 0 19,143
NIKE INC CL B 654106103 420 4,105 SH   SOLE 0 0 0 4,105
NORTHROP GRUMMAN CORP COM 666807102 505 1,056 SH   SOLE 0 0 0 1,056
NOVARTIS AG SPONSORED ADR 66987V109 426 5,034 SH   SOLE 0 0 0 5,034
ORACLE CORP COM 68389X105 384 5,500 SH   SOLE 0 0 0 5,500
PARKER-HANNIFIN CORP COM 701094104 444 1,806 SH   SOLE 0 0 0 1,806
PEPSICO INC COM 713448108 1,544 9,264 SH   SOLE 0 0 0 9,264
PFIZER INC COM 717081103 1,118 21,325 SH   SOLE 0 0 0 21,325
PLBY GROUP INC COM 72814P109 67 10,462 SH   SOLE 0 0 0 10,462
PNC FINL SVCS GROUP INC COM 693475105 929 5,886 SH   SOLE 0 0 0 5,886
PROCTER AND GAMBLE CO COM 742718109 822 5,719 SH   SOLE 0 0 0 5,719
PROLOGIS INC. COM 74340W103 521 4,432 SH   SOLE 0 0 0 4,432
QUALCOMM INC COM 747525103 1,060 8,296 SH   SOLE 0 0 0 8,296
RAYTHEON TECHNOLOGIES CORP COM 75513E101 804 8,361 SH   SOLE 0 0 0 8,361
REPUBLIC SVCS INC COM 760759100 338 2,580 SH   SOLE 0 0 0 2,580
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 663 21,075 SH   SOLE 0 0 0 21,075
SHELL PLC SPON ADS 780259305 395 7,551 SH   SOLE 0 0 0 7,551
SKYWORKS SOLUTIONS INC COM 83088M102 430 4,640 SH   SOLE 0 0 0 4,640
SPDR GOLD TR GOLD SHS 78463V107 412 2,443 SH   SOLE 0 0 0 2,443
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 2,089 74,028 SH   SOLE 0 0 0 74,028
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 2,961 67,082 SH   SOLE 0 0 0 67,082
SPDR S&P 500 ETF TR TR UNIT 78462F103 217 575 SH   SOLE 0 0 0 575
SPDR SER TR BLOOMBERG SHORT 78464A334 379 14,070 SH   SOLE 0 0 0 14,070
SPDR SER TR NUVEEN BLMBRG SH 78468R739 378 8,000 SH   SOLE 0 0 0 8,000
SPDR SER TR S&P DIVID ETF 78464A763 257 2,169 SH   SOLE 0 0 0 2,169
STARBUCKS CORP COM 855244109 634 8,297 SH   SOLE 0 0 0 8,297
STRYKER CORPORATION COM 863667101 365 1,835 SH   SOLE 0 0 0 1,835
TARGET CORP COM 87612E106 418 2,957 SH   SOLE 0 0 0 2,957
TELEPHONE & DATA SYS INC COM NEW 879433829 1,511 95,710 SH   SOLE 0 0 0 95,710
TESLA INC COM 88160R101 473 703 SH   SOLE 0 0 0 703
THERMO FISHER SCIENTIFIC INC COM 883556102 489 900 SH   SOLE 0 0 0 900
TJX COS INC NEW COM 872540109 310 5,550 SH   SOLE 0 0 0 5,550
TORONTO DOMINION BK ONT COM NEW 891160509 603 9,196 SH   SOLE 0 0 0 9,196
TRAVELERS COMPANIES INC COM 89417E109 421 2,490 SH   SOLE 0 0 0 2,490
UNILEVER PLC SPON ADR NEW 904767704 202 4,400 SH   SOLE 0 0 0 4,400
UNITEDHEALTH GROUP INC COM 91324P102 526 1,024 SH   SOLE 0 0 0 1,024
VANECK ETF TRUST VANECK SHRT MUNI 92189F528 1,409 82,401 SH   SOLE 0 0 0 82,401
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,459 18,995 SH   SOLE 0 0 0 18,995
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 3,066 61,416 SH   SOLE 0 0 0 61,416
VERIZON COMMUNICATIONS INC COM 92343V104 645 12,712 SH   SOLE 0 0 0 12,712
VISA INC COM CL A 92826C839 1,027 5,218 SH   SOLE 0 0 0 5,218
WALMART INC COM 931142103 389 3,197 SH   SOLE 0 0 0 3,197
WEC ENERGY GROUP INC COM 92939U106 429 4,265 SH   SOLE 0 0 0 4,265
WILLIS TOWERS WATSON PLC LTD SHS G96629103 249 1,260 SH   SOLE 0 0 0 1,260
WISDOMTREE TR US SMALLCAP DIVD 97717W604 1,417 50,218 SH   SOLE 0 0 0 50,218
YUM BRANDS INC COM 988498101 576 5,076 SH   SOLE 0 0 0 5,076