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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ACTIVISION BLIZZARD INC COM 00507V109 BBG001S6C009 323,706 3,782 SH   SOLE   3,782 0 0
AMERICAN TOWER CORP NEW COM 03027X100 BBG001S5NPQ6 417,467 2,043 SH   SOLE   2,043 0 0
AMERICAN WTR WKS CO INC NEW COM 030420103 BBG001SPHYW3 203,621 1,390 SH   SOLE   1,390 0 0
ANALOG DEVICES INC COM 032654105 BBG001S5ND38 327,188 1,659 SH   SOLE   1,659 0 0
APPLE INC COM 037833100 BBG001S5N8V8 616,914 3,741 SH   SOLE   3,741 0 0
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 454,145 15,879 SH   SOLE   15,879 0 0
BECTON DICKINSON & CO COM 075887109 BBG001S5P374 339,625 1,372 SH   SOLE   1,372 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 308,701 621 SH   SOLE   621 0 0
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 BBG01254JDW6 414,807 8,890 SH   SOLE   8,890 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 236,352 2,450 SH   SOLE   2,450 0 0
ECOLAB INC COM 278865100 BBG001S5QRB5 314,176 1,898 SH   SOLE   1,898 0 0
ESSENTIAL UTILS INC COM 29670G102 BBG001S5VFD3 531,161 12,169 SH   SOLE   12,169 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 624,623 5,696 SH   SOLE   5,696 0 0
FIRST AMERN FINL CORP COM 31847R102 BBG001T1LV65 331,734 5,960 SH   SOLE   5,960 0 0
FRANCO NEV CORP COM 351858105 BBG001STGSR5 309,242 2,121 SH   SOLE   2,121 0 0
GENERAL MLS INC COM 370334104 BBG001S5RKR2 376,879 4,410 SH   SOLE   4,410 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 586,951 1,989 SH   SOLE   1,989 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 595,673 4,544 SH   SOLE   4,544 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 BBG00KJR0YJ0 977,733 46,382 SH   SOLE   46,382 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 BBG00KJR2GD3 510,117 24,775 SH   SOLE   24,775 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 BBG00KJR2J47 649,467 32,025 SH   SOLE   32,025 0 0
ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 345,448 9,244 SH   SOLE   9,244 0 0
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 853,247 17,431 SH   SOLE   17,431 0 0
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 430,391 2,836 SH   SOLE   2,836 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 BBG001S5S0N9 440,559 2,245 SH   SOLE   2,245 0 0
MARKETAXESS HLDGS INC COM 57060D108 BBG001S8R6K4 335,738 858 SH   SOLE   858 0 0
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 220,979 2,741 SH   SOLE   2,741 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 977,048 3,389 SH   SOLE   3,389 0 0
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 225,074 2,920 SH   SOLE   2,920 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 246,938 889 SH   SOLE   889 0 0
PFIZER INC COM 717081103 BBG001S5V466 385,193 9,441 SH   SOLE   9,441 0 0
PRICE T ROWE GROUP INC COM 74144T108 BBG001S5WW18 213,494 1,891 SH   SOLE   1,891 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 242,147 1,898 SH   SOLE   1,898 0 0
RPM INTL INC COM 749685103 BBG001S7X317 342,243 3,923 SH   SOLE   3,923 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 426,476 17,393 SH   SOLE   17,393 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 1,391,756 39,993 SH   SOLE   39,993 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 521,370 10,686 SH   SOLE   10,686 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 1,079,211 23,006 SH   SOLE   23,006 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 1,341,880 28,043 SH   SOLE   28,043 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 764,007 18,221 SH   SOLE   18,221 0 0
SNAP ON INC COM 833034101 BBG001S5W688 224,670 910 SH   SOLE   910 0 0
STARBUCKS CORP COM 855244109 BBG001S72KH6 627,455 6,026 SH   SOLE   6,026 0 0
TJX COS INC NEW COM 872540109 BBG001S5WQ93 248,009 3,165 SH   SOLE   3,165 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 432,386 2,050 SH   SOLE   2,050 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 212,084 2,554 SH   SOLE   2,554 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 330,320 5,509 SH   SOLE   5,509 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 593,555 3,854 SH   SOLE   3,854 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 278,658 3,782 SH   SOLE   3,782 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 380,802 1,689 SH   SOLE   1,689 0 0
WALMART INC COM 931142103 BBG001S5XH92 340,299 2,308 SH   SOLE   2,308 0 0
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 213,916 1,311 SH   SOLE   1,311 0 0
WEC ENERGY GROUP INC COM 92939U106 BBG001S5XDC7 221,903 2,341 SH   SOLE   2,341 0 0
XYLEM INC COM 98419M100 BBG001V05C73 245,207 2,342 SH   SOLE   2,342 0 0