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
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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
TE CONNECTIVITY PLC ORD SHS G87052109   321,307 2,128 SH   SOLE   2,128 0 0
CHUBB LIMITED COM H1467J104   433,129 1,502 SH   SOLE   1,501 0 0
ABBOTT LABS COM 002824100   311,909 2,736 SH   SOLE   2,735 0 0
ABBVIE INC COM 00287Y109   793,517 4,018 SH   SOLE   4,018 0 0
ALPHABET INC CAP STK CL A 02079K305   205,032 1,236 SH   SOLE   1,236 0 0
AMAZON COM INC COM 023135106   551,723 2,961 SH   SOLE   2,961 0 0
APPLE INC COM 037833100   1,305,135 5,601 SH   SOLE   5,601 0 0
BANK AMERICA CORP COM 060505104   538,542 13,572 SH   SOLE   13,572 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   468,084 1,017 SH   SOLE   1,017 0 0
BLACKROCK ETF TRUST II FLEXIBLE INCOME 092528603   718,492 13,422 SH   SOLE   13,422 0 0
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   2,163,131 43,726 SH   SOLE   43,726 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   314,550 6,079 SH   SOLE   6,079 0 0
THE CIGNA GROUP COM 125523100   356,833 1,030 SH   SOLE   1,030 0 0
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   4,062,672 150,637 SH   SOLE   150,636 0 0
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   6,811,846 195,799 SH   SOLE   195,798 0 0
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   9,835,970 269,922 SH   SOLE   269,922 0 0
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   11,919,986 515,570 SH   SOLE   515,570 0 0
CHEVRON CORP NEW COM 166764100   1,585,229 10,764 SH   SOLE   10,764 0 0
CISCO SYS INC COM 17275R102   477,751 8,977 SH   SOLE   8,976 0 0
COSTCO WHSL CORP NEW COM 22160K105   972,995 1,098 SH   SOLE   1,097 0 0
DEERE & CO COM 244199105   318,840 764 SH   SOLE   764 0 0
DUTCH BROS INC CL A 26701L100   216,555 6,761 SH   SOLE   6,761 0 0
EOG RES INC COM 26875P101   222,749 1,812 SH   SOLE   1,812 0 0
EMERSON ELEC CO COM 291011104   397,534 3,635 SH   SOLE   3,634 0 0
GENERAL MLS INC COM 370334104   289,656 3,922 SH   SOLE   3,922 0 0
HERSHEY CO COM 427866108   224,700 1,172 SH   SOLE   1,171 0 0
HONEYWELL INTL INC COM 438516106   324,493 1,570 SH   SOLE   1,569 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   314,872 4,390 SH   SOLE   4,389 0 0
ISHARES TR CORE S&P500 ETF 464287200   817,218 1,417 SH   SOLE   1,416 0 0
ISHARES TR CORE US AGGBD ET 464287226   289,164 2,855 SH   SOLE   2,855 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   2,808,573 29,332 SH   SOLE   29,332 0 0
ISHARES TR S&P 500 VAL ETF 464287408   1,373,394 6,966 SH   SOLE   6,965 0 0
ISHARES TR 20 YR TR BD ETF 464287432   891,351 9,086 SH   SOLE   9,086 0 0
ISHARES TR U.S. TECH ETF 464287721   1,022,274 6,742 SH   SOLE   6,742 0 0
ISHARES TR CORE S&P SCP ETF 464287804   296,028 2,531 SH   SOLE   2,531 0 0
ISHARES TR MSCI ACWI ETF 464288257   447,350 3,742 SH   SOLE   3,741 0 0
ISHARES TR JPMORGAN USD EMG 464288281   259,668 2,775 SH   SOLE   2,774 0 0
ISHARES TR MBS ETF 464288588   1,719,478 17,947 SH   SOLE   17,946 0 0
ISHARES TR EAFE VALUE ETF 464288877   934,254 16,239 SH   SOLE   16,239 0 0
ISHARES TR EAFE GRWTH ETF 464288885   1,986,844 18,457 SH   SOLE   18,456 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   301,127 3,298 SH   SOLE   3,297 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   2,683,981 14,969 SH   SOLE   14,969 0 0
ISHARES INC CORE MSCI EMKT 46434G103   778,289 13,557 SH   SOLE   13,556 0 0
ISHARES INC MSCI EMRG CHN 46434G764   634,372 10,381 SH   SOLE   10,380 0 0
ISHARES TR CORE TOTAL USD 46434V613   3,655,503 77,579 SH   SOLE   77,578 0 0
ISHARES TR HDG MSCI EAFE 46434V803   327,299 9,241 SH   SOLE   9,240 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   1,512,869 11,990 SH   SOLE   11,989 0 0
ISHARES TR US INFRASTRUC 46435U713   239,975 5,109 SH   SOLE   5,109 0 0
JPMORGAN CHASE & CO. COM 46625H100   819,784 3,888 SH   SOLE   3,887 0 0
JOHNSON & JOHNSON COM 478160104   589,223 3,636 SH   SOLE   3,635 0 0
KINDER MORGAN INC DEL COM 49456B101   359,497 16,274 SH   SOLE   16,274 0 0
LOCKHEED MARTIN CORP COM 539830109   654,740 1,120 SH   SOLE   1,120 0 0
LOWES COS INC COM 548661107   450,424 1,663 SH   SOLE   1,663 0 0
M & T BK CORP COM 55261F104   285,031 1,600 SH   SOLE   1,600 0 0
MCDONALDS CORP COM 580135101   541,967 1,780 SH   SOLE   1,779 0 0
MERCK & CO INC COM 58933Y105   418,111 3,682 SH   SOLE   3,681 0 0
MICROSOFT CORP COM 594918104   2,014,027 4,681 SH   SOLE   4,680 0 0
MONDELEZ INTL INC CL A 609207105   375,349 5,095 SH   SOLE   5,095 0 0
NORFOLK SOUTHN CORP COM 655844108   508,332 2,046 SH   SOLE   2,045 0 0
NUCOR CORP COM 670346105   633,202 4,212 SH   SOLE   4,211 0 0
NVIDIA CORPORATION COM 67066G104   854,142 7,033 SH   SOLE   7,033 0 0
PNC FINL SVCS GROUP INC COM 693475105   366,484 1,983 SH   SOLE   1,982 0 0
PPL CORP COM 69351T106   484,933 14,659 SH   SOLE   14,659 0 0
PEPSICO INC COM 713448108   391,994 2,305 SH   SOLE   2,305 0 0
PROCTER AND GAMBLE CO COM 742718109   458,109 2,645 SH   SOLE   2,644 0 0
QUALCOMM INC COM 747525103   550,452 3,237 SH   SOLE   3,237 0 0
SPDR GOLD TR GOLD SHS 78463V107   409,556 1,685 SH   SOLE   1,685 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854   9,644,888 142,866 SH   SOLE   142,866 0 0
SCHWAB CHARLES CORP COM 808513105   288,016 4,444 SH   SOLE   4,444 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   4,682,118 69,007 SH   SOLE   69,006 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,618,602 25,135 SH   SOLE   25,135 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   803,805 15,608 SH   SOLE   15,607 0 0
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   206,914 4,483 SH   SOLE   4,482 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   568,344 19,477 SH   SOLE   19,477 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730   384,225 11,907 SH   SOLE   11,906 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   1,574,860 42,142 SH   SOLE   42,142 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763   401,465 6,739 SH   SOLE   6,739 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   3,002,836 41,846 SH   SOLE   41,845 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,807,844 21,387 SH   SOLE   21,387 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,984,538 72,581 SH   SOLE   72,581 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   11,179,851 235,266 SH   SOLE   235,266 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,329,786 57,393 SH   SOLE   57,392 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   1,255,155 25,626 SH   SOLE   25,625 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   250,591 4,673 SH   SOLE   4,672 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   619,379 16,075 SH   SOLE   16,075 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   259,173 1,309 SH   SOLE   1,308 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733   999,524 9,833 SH   SOLE   9,833 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   212,787 2,833 SH   SOLE   2,833 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   309,992 2,418 SH   SOLE   2,418 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,827,321 3,463 SH   SOLE   3,463 0 0
WP CAREY INC COM 92936U109   222,224 3,567 SH   SOLE   3,567 0 0
WALMART INC COM 931142103   794,335 9,837 SH   SOLE   9,836 0 0
WASTE MGMT INC DEL COM 94106L109   502,641 2,421 SH   SOLE   2,421 0 0
WILLAMETTE VY VINEYARD INC COM 969136100   54,198 15,574 SH   SOLE   15,574 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669   359,001 4,314 SH   SOLE   4,314 0 0