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 COM 023135106 8,011 2,457 SH   SOLE NONE 0 0 2,457
PRUDENTIAL FINL INC COM COM 744320102 218 1,844 SH   SOLE NONE 0 0 1,844
INVESCO QQQ TRUST UNIT SER 1 46090E103 622 1,716 SH   SOLE NONE 0 0 1,716
TECHNOLOGY SELECT SECTOR SPDR FUND TECHNOLOGY 81369Y803 601 3,784 SH   SOLE NONE 0 0 3,784
STARBUCKS CORP COM COM 855244109 1,961 21,557 SH   SOLE NONE 0 0 21,557
ANTHEM INC COM COM 036752103 436 887 SH   SOLE NONE 0 0 887
JOHNSON & JOHNSON COM COM 478160104 3,259 18,390 SH   SOLE NONE 0 0 18,390
VANGUARD TOTAL STOCK MARKET INDEX FUND TOTAL STK MKT 922908769 37,940 166,645 SH   SOLE NONE 0 0 166,645
COSTCO WHSL CORP NEW COM COM 22160K105 874 1,517 SH   SOLE NONE 0 0 1,517
PROCTER AND GAMBLE CO COM COM 742718109 2,661 17,418 SH   SOLE NONE 0 0 17,418
COCA COLA CO COM COM 191216100 3,234 150,555 SH   SOLE NONE 0 0 150,555
TRUIST FINL CORP COM COM 89832Q109 221 3,891 SH   SOLE NONE 0 0 3,891
UNITED PARCEL SERVICE INC CL B CL B 911312106 590 2,752 SH   SOLE NONE 0 0 2,752
VANGUARD REAL ESTATE ETF REAL ESTATE ETF 922908553 4,283 39,521 SH   SOLE NONE 0 0 39,521
INTEL CORP COM COM 458140100 540 10,900 SH   SOLE NONE 0 0 10,900
CME GROUP INC COM COM 12572Q105 378 1,591 SH   SOLE NONE 0 0 1,591
MEDTRONIC PLC SHS SHS G5960L103 414 3,730 SH   SOLE NONE 0 0 3,730
COMERICA INC COM COM 200340107 212 2,340 SH   SOLE NONE 0 0 2,340
NETFLIX INC COM COM 64110L106 423 1,128 SH   SOLE NONE 0 0 1,128
PAYCHEX INC COM COM 704326107 257 1,883 SH   SOLE NONE 0 0 1,883
SPDR S&P SEMICONDUCTOR ETF S&P SEMICNDCTR 78464A862 757 3,647 SH   SOLE NONE 0 0 3,647
MERCK & CO INC COM COM 58933Y105 2,474 30,156 SH   SOLE NONE 0 0 30,156
SPDR S&P 500 ETF TR UNIT 78462F103 5,260 11,647 SH   SOLE NONE 0 0 11,647
MASTERCARD INCORPORATED CL A CL A 57636Q104 591 1,652 SH   SOLE NONE 0 0 1,652
ILLINOIS TOOL WKS INC COM COM 452308109 1,800 8,595 SH   SOLE NONE 0 0 8,595
ALLSTATE CORP COM COM 020002101 2,274 16,418 SH   SOLE NONE 0 0 16,418
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 219 1,758 SH   SOLE NONE 0 0 1,758
SYNCHRONOSS TECHNOLOGIES INC COM COM 87157B103 49 28,317 SH   SOLE NONE 0 0 28,317
VERIZON COMMUNICATIONS INC COM COM 92343V104 475 9,330 SH   SOLE NONE 0 0 9,330
CHUBB LIMITED COM COM H1467J104 226 1,057 SH   SOLE NONE 0 0 1,057
FEDEX CORP COM COM 31428X106 256 1,108 SH   SOLE NONE 0 0 1,108
PEPSICO INC COM COM 713448108 684 4,084 SH   SOLE NONE 0 0 4,084
DXC TECHNOLOGY CO COM COM 23355L106 200 6,133 SH   SOLE NONE 0 0 6,133
HONEYWELL INTL INC COM COM 438516106 2,244 11,533 SH   SOLE NONE 0 0 11,533
FORD MTR CO DEL COM COM 345370860 348 20,595 SH   SOLE NONE 0 0 20,595
HOME DEPOT INC COM COM 437076102 3,079 10,285 SH   SOLE NONE 0 0 10,285
AUTOMATIC DATA PROCESSING INC COM COM 053015103 2,395 10,524 SH   SOLE NONE 0 0 10,524
HEALTH CARE SELECT SECTOR SPDR FUND SBI HEALTHCARE 81369Y209 723 5,277 SH   SOLE NONE 0 0 5,277
INFOSYS LTD SPONSORED ADR SPONSORED ADR 456788108 1,980 79,557 SH   SOLE NONE 0 0 79,557
SOUTHERN CO COM COM 842587107 1,492 20,570 SH   SOLE NONE 0 0 20,570
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 GRW ETF 464287614 12,598 45,375 SH   SOLE NONE 0 0 45,375
SCHWAB U.S. BROAD MARKET ETF US BRD MKT ETF 808524102 246 4,600 SH   SOLE NONE 0 0 4,600
JPMORGAN ULTRA-SHORT INCOME ETF ULTRA SHRT INC 46641Q837 519 10,325 SH   SOLE NONE 0 0 10,325
BERKSHIRE HATHAWAY INC DEL CL B NEW CL B NEW 084670702 3,390 9,606 SH   SOLE NONE 0 0 9,606
ADOBE SYSTEMS INCORPORATED COM COM 00724F101 606 1,329 SH   SOLE NONE 0 0 1,329
ALPHABET INC CAP STK CL A CAP STK CL A 02079K305 3,054 1,098 SH   SOLE NONE 0 0 1,098
PROGRESSIVE CORP COM COM 743315103 2,095 18,379 SH   SOLE NONE 0 0 18,379
INTUIT COM COM 461202103 424 881 SH   SOLE NONE 0 0 881
CSX CORP COM COM 126408103 287 7,673 SH   SOLE NONE 0 0 7,673
COMCAST CORP NEW CL A CL A 20030N101 327 6,976 SH   SOLE NONE 0 0 6,976
MICROSOFT CORP COM COM 594918104 9,479 30,746 SH   SOLE NONE 0 0 30,746
CVS HEALTH CORP COM COM 126650100 438 4,328 SH   SOLE NONE 0 0 4,328
SIMON PPTY GROUP INC NEW COM COM 828806109 258 1,959 SH   SOLE NONE 0 0 1,959
BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 1,058 2 SH   SOLE NONE 0 0 2
BOEING CO COM COM 097023105 238 1,241 SH   SOLE NONE 0 0 1,241
VANGUARD MID-CAP INDEX FUND MID CAP ETF 922908629 352 1,481 SH   SOLE NONE 0 0 1,481
NEXTERA ENERGY INC COM COM 65339F101 564 6,653 SH   SOLE NONE 0 0 6,653
NIKE INC CL B CL B 654106103 308 2,288 SH   SOLE NONE 0 0 2,288
TESLA INC COM COM 88160R101 2,295 2,130 SH   SOLE NONE 0 0 2,130
LINDE PLC SHS SHS G5494J103 314 984 SH   SOLE NONE 0 0 984
JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ULTRA SHT MUNCPL 46641Q654 495 9,780 SH   SOLE NONE 0 0 9,780
NORFOLK SOUTHN CORP COM COM 655844108 388 1,362 SH   SOLE NONE 0 0 1,362
SCHWAB SHORT-TERM U.S. TREASURY ETF SHT TM US TRES 808524862 241 4,862 SH   SOLE NONE 0 0 4,862
VANGUARD INDUSTRIALS INDEX FUND INDUSTRIAL ETF 92204A603 208 1,072 SH   SOLE NONE 0 0 1,072
VANGUARD INFORMATION TECHNOLOGY INDEX FUND INF TECH ETF 92204A702 1,093 2,624 SH   SOLE NONE 0 0 2,624
DOW INC COM COM 260557103 236 3,708 SH   SOLE NONE 0 0 3,708
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 620 1,493 SH   SOLE NONE 0 0 1,493
LILLY ELI & CO COM COM 532457108 2,644 9,231 SH   SOLE NONE 0 0 9,231
AIR PRODS & CHEMS INC COM COM 009158106 1,729 6,917 SH   SOLE NONE 0 0 6,917
VANGUARD RUSSELL 1000 GROWTH ETF VNG RUS1000GRW 92206C680 267 3,748 SH   SOLE NONE 0 0 3,748
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655 463 2,257 SH   SOLE NONE 0 0 2,257
DUKE ENERGY CORP NEW COM NEW COM NEW 26441C204 337 3,021 SH   SOLE NONE 0 0 3,021
AMERICAN ELEC PWR CO INC COM COM 025537101 265 2,653 SH   SOLE NONE 0 0 2,653
FIRST TR EXCHANGE TRADED FD II CLOUD COMPUTING CLOUD COMPUTING 33734X192 234 2,584 SH   SOLE NONE 0 0 2,584
VANGUARD SMALL-CAP VALUE INDEX FUND SM CP VAL ETF 922908611 296 1,681 SH   SOLE NONE 0 0 1,681
KEMPER CORP COM COM 488401100 686 12,138 SH   SOLE NONE 0 0 12,138
VISA INC COM CL A COM CL A 92826C839 1,128 5,088 SH   SOLE NONE 0 0 5,088
ISHARES MSCI USA MIN VOL FACTOR ETF MSCI USA MIN VOL 46429B697 376 4,842 SH   SOLE NONE 0 0 4,842
VANGUARD SMALL-CAP GROWTH INDEX FUND SML CP GRW ETF 922908595 545 2,197 SH   SOLE NONE 0 0 2,197
VANGUARD VALUE INDEX FUND VALUE ETF 922908744 9,481 64,153 SH   SOLE NONE 0 0 64,153
VANGUARD GROWTH INDEX FUND GROWTH ETF 922908736 16,104 55,993 SH   SOLE NONE 0 0 55,993
SPIRE INC COM COM 84857L101 11,985 167,013 SH   SOLE NONE 0 0 167,013
AMERICAN TOWER CORP NEW COM COM 03027X100 363 1,445 SH   SOLE NONE 0 0 1,445
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF CORE S&P TTL STK 464287150 26,023 257,805 SH   SOLE NONE 0 0 257,805
META PLATFORMS INC CL A CL A 30303M102 923 4,152 SH   SOLE NONE 0 0 4,152
MONDELEZ INTL INC CL A CL A 609207105 223 3,546 SH   SOLE NONE 0 0 3,546
BROADCOM INC COM COM 11135F101 773 1,228 SH   SOLE NONE 0 0 1,228
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 14,899 214,339 SH   SOLE NONE 0 0 214,339
ACCENTURE PLC IRELAND SHS CLASS A SHS CLASS A G1151C101 9,931 29,450 SH   SOLE NONE 0 0 29,450
KROGER CO COM COM 501044101 599 10,439 SH   SOLE NONE 0 0 10,439
NVIDIA CORPORATION COM COM 67066G104 2,064 7,565 SH   SOLE NONE 0 0 7,565
BALL CORP COM COM 058498106 592 6,578 SH   SOLE NONE 0 0 6,578
ABBVIE INC COM COM 00287Y109 1,000 6,170 SH   SOLE NONE 0 0 6,170
S&P GLOBAL INC COM COM 78409V104 388 946 SH   SOLE NONE 0 0 946
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 3,932 70,788 SH   SOLE NONE 0 0 70,788
ZOETIS INC CL A CL A 98978V103 269 1,424 SH   SOLE NONE 0 0 1,424
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS SPONSORED ADS 874039100 1,415 13,568 SH   SOLE NONE 0 0 13,568
QUALCOMM INC COM COM 747525103 259 1,697 SH   SOLE NONE 0 0 1,697
GENERAL DYNAMICS CORP COM COM 369550108 2,542 10,538 SH   SOLE NONE 0 0 10,538
INTUITIVE SURGICAL INC COM NEW COM NEW 46120E602 217 718 SH   SOLE NONE 0 0 718
MCDONALDS CORP COM COM 580135101 2,665 10,778 SH   SOLE NONE 0 0 10,778
CISCO SYS INC COM COM 17275R102 2,178 39,062 SH   SOLE NONE 0 0 39,062
ADVANCED MICRO DEVICES INC COM COM 007903107 454 4,154 SH   SOLE NONE 0 0 4,154
AT&T INC COM COM 00206R102 339 14,365 SH   SOLE NONE 0 0 14,365
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND INTERMED TERM 921937819 639 7,807 SH   SOLE NONE 0 0 7,807
ISHARES BIOTECHNOLOGY FUND ISHARES BIOTECH 464287556 238 1,830 SH   SOLE NONE 0 0 1,830
GENERAL ELECTRIC CO COM NEW COM NEW 369604301 278 3,042 SH   SOLE NONE 0 0 3,042
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND SBI CONS DISCR 81369Y407 481 2,598 SH   SOLE NONE 0 0 2,598
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 1,862 4,103 SH   SOLE NONE 0 0 4,103
UNION PAC CORP COM COM 907818108 2,596 9,501 SH   SOLE NONE 0 0 9,501
ISHARES MBS ETF MBS ETF 464288588 526 5,162 SH   SOLE NONE 0 0 5,162
SALESFORCE INC COM COM 79466L302 447 2,104 SH   SOLE NONE 0 0 2,104
NORTHROP GRUMMAN CORP COM COM 666807102 2,046 4,576 SH   SOLE NONE 0 0 4,576
THERMO FISHER SCIENTIFIC INC COM COM 883556102 867 1,468 SH   SOLE NONE 0 0 1,468
LOCKHEED MARTIN CORP COM COM 539830109 2,783 6,305 SH   SOLE NONE 0 0 6,305
JPMORGAN CHASE & CO COM COM 46625H100 784 5,748 SH   SOLE NONE 0 0 5,748
CHEVRON CORP NEW COM COM 166764100 753 4,622 SH   SOLE NONE 0 0 4,622
ISHARES NATIONAL MUNI BOND ETF NATIONAL MUN ETF 464288414 443 4,043 SH   SOLE NONE 0 0 4,043
DANAHER CORPORATION COM COM 235851102 560 1,910 SH   SOLE NONE 0 0 1,910
M & T BK CORP COM COM 55261F104 217 1,283 SH   SOLE NONE 0 0 1,283
BK OF AMERICA CORP COM COM 060505104 370 8,971 SH   SOLE NONE 0 0 8,971
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 17,317 135,171 SH   SOLE NONE 0 0 135,171
WALMART INC COM COM 931142103 752 5,046 SH   SOLE NONE 0 0 5,046
INTERNATIONAL BUSINESS MACHS COM COM 459200101 292 2,244 SH   SOLE NONE 0 0 2,244
ORACLE CORP COM COM 68389X105 2,290 27,676 SH   SOLE NONE 0 0 27,676
TEXAS INSTRS INC COM COM 882508104 672 3,662 SH   SOLE NONE 0 0 3,662
TARGET CORP COM COM 87612E106 413 1,945 SH   SOLE NONE 0 0 1,945
PFIZER INC COM COM 717081103 757 14,613 SH   SOLE NONE 0 0 14,613
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF IBOXX INV CP ETF 464287242 313 2,592 SH   SOLE NONE 0 0 2,592
3M CO COM COM 88579Y101 304 2,039 SH   SOLE NONE 0 0 2,039
CATERPILLAR INC COM COM 149123101 366 1,644 SH   SOLE NONE 0 0 1,644
ALPHABET INC CAP STK CL C CAP STK CL C 02079K107 2,254 807 SH   SOLE NONE 0 0 807
AMGEN INC COM COM 031162100 2,272 9,395 SH   SOLE NONE 0 0 9,395
APPLIED MATLS INC COM COM 038222105 218 1,656 SH   SOLE NONE 0 0 1,656
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX DJ INTERNT IDX 33733E302 213 1,135 SH   SOLE NONE 0 0 1,135
ISHARES CORE U.S. AGGREGATE BOND ETF CORE US AGGBD ET 464287226 7,438 69,452 SH   SOLE NONE 0 0 69,452
ISHARES CORE DIVIDEND GROWTH ETF CORE DIV GRWTH 46434V621 6,535 122,358 SH   SOLE NONE 0 0 122,358
EATON CORP PLC SHS SHS G29183103 210 1,381 SH   SOLE NONE 0 0 1,381
ISHARES CORE TOTAL USD BOND MARKET ETF CORE TOTAL USD 46434V613 409 8,249 SH   SOLE NONE 0 0 8,249
DELTA AIR LINES INC DEL COM NEW COM NEW 247361702 484 12,231 SH   SOLE NONE 0 0 12,231
VANGUARD SHORT-TERM BOND INDEX FUND SHORT TRM BOND 921937827 389 4,997 SH   SOLE NONE 0 0 4,997
PNC FINL SVCS GROUP INC COM COM 693475105 269 1,459 SH   SOLE NONE 0 0 1,459
BRISTOL-MYERS SQUIBB CO COM COM 110122108 457 6,252 SH   SOLE NONE 0 0 6,252
ALTRIA GROUP INC COM COM 02209S103 312 5,967 SH   SOLE NONE 0 0 5,967
LOEWS CORP COM COM 540424108 212 3,264 SH   SOLE NONE 0 0 3,264
DOMINION ENERGY INC COM COM 25746U109 310 3,644 SH   SOLE NONE 0 0 3,644
EXXON MOBIL CORP COM COM 30231G102 1,346 16,300 SH   SOLE NONE 0 0 16,300
UNITEDHEALTH GROUP INC COM COM 91324P102 2,660 5,215 SH   SOLE NONE 0 0 5,215
LOWES COS INC COM COM 548661107 471 2,328 SH   SOLE NONE 0 0 2,328
VANECK INTERMEDIATE MUNI ETF INTRMDT MUNI ETF 92189H201 317 6,689 SH   SOLE NONE 0 0 6,689
LINCOLN NATL CORP IND COM COM 534187109 342 5,234 SH   SOLE NONE 0 0 5,234
DEERE & CO COM COM 244199105 280 674 SH   SOLE NONE 0 0 674
CONFORMIS INC COM COM 20717E101 6 10,250 SH   SOLE NONE 0 0 10,250
PAYPAL HLDGS INC COM COM 70450Y103 456 3,940 SH   SOLE NONE 0 0 3,940
CROWN CASTLE INTL CORP NEW COM COM 22822V101 318 1,724 SH   SOLE NONE 0 0 1,724
AUTOZONE INC COM COM 053332102 309 151 SH   SOLE NONE 0 0 151
BLACKROCK INC COM COM 09247X101 362 474 SH   SOLE NONE 0 0 474
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 1,141 15,508 SH   SOLE NONE 0 0 15,508
APPLE INC COM COM 037833100 20,127 115,269 SH   SOLE NONE 0 0 115,269
ABBOTT LABS COM COM 002824100 2,272 19,197 SH   SOLE NONE 0 0 19,197
DISNEY WALT CO COM COM 254687106 656 4,784 SH   SOLE NONE 0 0 4,784
ISHARES RUSSELL 1000 VALUE ETF RUS 1000 VAL ETF 464287598 781 4,706 SH   SOLE NONE 0 0 4,706