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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALBEMARLE CORP COM 012653101   215,000 965 SH   SOLE   0 0 965
ALPHABET INC CAP STK CL A 02079K305   286,000 2,392 SH   SOLE   0 0 2,392
APPLE INC COM 037833100   1,240,000 6,392 SH   SOLE   0 0 6,392
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   498,000 1,461 SH   SOLE   0 0 1,461
BROADCOM INC COM 11135F101   277,000 318 SH   SOLE   0 0 318
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   465,000 19,754 SH   SOLE   0 0 19,754
CARRIER GLOBAL CORPORATION COM 14448C104   275,000 5,531 SH   SOLE   0 0 5,531
CHESAPEAKE UTILS CORP COM 165303108   422,000 3,544 SH   SOLE   0 0 3,544
CHEVRON CORP NEW COM 166764100   365,000 2,322 SH   SOLE   0 0 2,322
CLEVELAND-CLIFFS INC NEW COM 185899101   726,000 43,335 SH   SOLE   0 0 43,335
COCA COLA CO COM 191216100   325,000 5,402 SH   SOLE   0 0 5,402
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   3,125,000 128,768 SH   SOLE   0 0 128,768
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   7,426,000 273,509 SH   SOLE   0 0 273,509
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   563,000 24,135 SH   SOLE   0 0 24,135
EXXON MOBIL CORP COM 30231G102   1,061,000 9,888 SH   SOLE   0 0 9,888
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   625,000 13,757 SH   SOLE   0 0 13,757
ILLINOIS TOOL WKS INC COM 452308109   215,000 861 SH   SOLE   0 0 861
ISHARES TR CORE DIV GRWTH 46434V621   4,075,000 79,076 SH   SOLE   0 0 79,076
ISHARES TR CORE HIGH DV ETF 46429B663   9,077,000 90,058 SH   SOLE   0 0 90,058
ISHARES TR CORE MSCI EAFE 46432F842   1,109,000 16,431 SH   SOLE   0 0 16,431
ISHARES TR CORE MSCI TOTAL 46432F834   2,368,000 37,813 SH   SOLE   0 0 37,813
ISHARES TR CORE S&P MCP ETF 464287507   7,539,000 28,831 SH   SOLE   0 0 28,831
ISHARES TR CORE S&P SCP ETF 464287804   5,506,000 55,250 SH   SOLE   0 0 55,250
ISHARES TR CORE S&P TTL STK 464287150   2,197,000 22,456 SH   SOLE   0 0 22,456
ISHARES TR CORE S&P500 ETF 464287200   400,000 897 SH   SOLE   0 0 897
ISHARES TR IBONDS 23 TRM TS 46436E882   11,443,000 461,214 SH   SOLE   0 0 461,214
ISHARES TR IBONDS 24 TRM TS 46436E874   3,010,000 126,461 SH   SOLE   0 0 126,461
ISHARES TR IBONDS 25 TRM TS 46436E866   1,530,000 66,131 SH   SOLE   0 0 66,131
ISHARES TR IBONDS DEC2023 46435G318   231,000 9,079 SH   SOLE   0 0 9,079
ISHARES TR IBONDS DEC24 ETF 46434VBG4   233,000 9,448 SH   SOLE   0 0 9,448
ISHARES TR INTL SEL DIV ETF 464288448   3,363,000 127,711 SH   SOLE   0 0 127,711
ISHARES TR MSCI USA MIN VOL 46429B697   843,000 11,336 SH   SOLE   0 0 11,336
ISHARES TR PFD AND INCM SEC 464288687   2,627,000 84,949 SH   SOLE   0 0 84,949
ISHARES TR S&P 500 VAL ETF 464287408   214,000 1,324 SH   SOLE   0 0 1,324
ISHARES TR U.S. REAL ES ETF 464287739   1,601,000 18,496 SH   SOLE   0 0 18,496
JOHNSON & JOHNSON COM 478160104   511,000 3,088 SH   SOLE   0 0 3,088
KIMBERLY-CLARK CORP COM 494368103   287,000 2,075 SH   SOLE   0 0 2,075
MCDONALDS CORP COM 580135101   287,000 961 SH   SOLE   0 0 961
MICROSOFT CORP COM 594918104   3,140,000 9,219 SH   SOLE   0 0 9,219
NEWMONT CORP COM 651639106   552,000 12,949 SH   SOLE   0 0 12,949
NVIDIA CORPORATION COM 67066G104   1,499,000 3,544 SH   SOLE   0 0 3,544
OTIS WORLDWIDE CORP COM 68902V107   246,000 2,769 SH   SOLE   0 0 2,769
PFIZER INC COM 717081103   302,000 8,225 SH   SOLE   0 0 8,225
PROSHARES TR S&P 500 DV ARIST 74348A467   588,000 6,239 SH   SOLE   0 0 6,239
PROSHARES TR S&P MDCP 400 DIV 74347B680   3,045,000 43,327 SH   SOLE   0 0 43,327
QUANTA SVCS INC COM 74762E102   372,000 1,895 SH   SOLE   0 0 1,895
RAYTHEON TECHNOLOGIES CORP COM 75513E101   586,000 5,979 SH   SOLE   0 0 5,979
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,195,000 18,258 SH   SOLE   0 0 18,258
SPDR SER TR S&P DIVID ETF 78464A763   388,000 3,164 SH   SOLE   0 0 3,164
TOYOTA MOTOR CORP ADS 892331307   316,000 1,968 SH   SOLE   0 0 1,968
UNION PAC CORP COM 907818108   498,000 2,435 SH   SOLE   0 0 2,435
UNITEDHEALTH GROUP INC COM 91324P102   366,000 761 SH   SOLE   0 0 761
VANGUARD INDEX FDS MID CAP ETF 922908629   272,000 1,235 SH   SOLE   0 0 1,235
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,328,000 15,895 SH   SOLE   0 0 15,895
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,758,000 17,058 SH   SOLE   0 0 17,058
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   3,498,000 73,759 SH   SOLE   0 0 73,759
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   979,000 6,026 SH   SOLE   0 0 6,026
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   402,000 3,789 SH   SOLE   0 0 3,789
WALMART INC COM 931142103   484,000 3,081 SH   SOLE   0 0 3,081
WEC ENERGY GROUP INC COM 92939U106   316,000 3,580 SH   SOLE   0 0 3,580
WHEATON PRECIOUS METALS CORP COM 962879102   1,006,000 23,276 SH   SOLE   0 0 23,276
WP CAREY INC COM 92936U109   440,000 6,507 SH   SOLE   0 0 6,507