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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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
TE CONNECTIVITY PLC ORD SHS G87052109   301,524 2,109 SH   SOLE   2,109 0 0
CHUBB LIMITED COM H1467J104   410,895 1,487 SH   SOLE   1,487 0 0
ABBOTT LABS COM 002824100   306,958 2,714 SH   SOLE   2,714 0 0
ABBVIE INC COM 00287Y109   708,014 3,984 SH   SOLE   3,984 0 0
ALPHABET INC CAP STK CL A 02079K305   234,124 1,237 SH   SOLE   1,237 0 0
AMAZON COM INC COM 023135106   671,553 3,061 SH   SOLE   3,061 0 0
APOLLO GLOBAL MGMT INC COM 03769M106   683,779 4,140 SH   SOLE   4,140 0 0
APPLE INC COM 037833100   1,397,015 5,579 SH   SOLE   5,579 0 0
BANK AMERICA CORP COM 060505104   590,737 13,441 SH   SOLE   13,441 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   370,783 818 SH   SOLE   818 0 0
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603   1,059,502 20,367 SH   SOLE   20,367 0 0
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103   2,261,491 44,127 SH   SOLE   44,127 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   340,007 6,011 SH   SOLE   6,011 0 0
BROADCOM INC COM 11135F101   218,136 941 SH   SOLE   941 0 0
THE CIGNA GROUP COM 125523100   284,424 1,030 SH   SOLE   1,030 0 0
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   3,871,501 156,932 SH   SOLE   156,932 0 0
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   7,376,650 198,457 SH   SOLE   198,457 0 0
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   9,603,570 272,364 SH   SOLE   272,364 0 0
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   12,080,677 544,175 SH   SOLE   544,175 0 0
CHEVRON CORP NEW COM 166764100   1,552,610 10,719 SH   SOLE   10,719 0 0
CISCO SYS INC COM 17275R102   527,467 8,910 SH   SOLE   8,910 0 0
COSTCO WHSL CORP NEW COM 22160K105   1,006,017 1,098 SH   SOLE   1,098 0 0
DEERE & CO COM 244199105   320,317 756 SH   SOLE   756 0 0
EOG RES INC COM 26875P101   220,276 1,797 SH   SOLE   1,797 0 0
EMERSON ELEC CO COM 291011104   446,621 3,604 SH   SOLE   3,604 0 0
GENERAL MLS INC COM 370334104   241,070 3,780 SH   SOLE   3,780 0 0
HONEYWELL INTL INC COM 438516106   485,392 2,149 SH   SOLE   2,149 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   297,431 4,249 SH   SOLE   4,249 0 0
ISHARES TR CORE S&P500 ETF 464287200   805,924 1,369 SH   SOLE   1,369 0 0
ISHARES TR CORE US AGGBD ET 464287226   276,650 2,855 SH   SOLE   2,855 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   2,834,866 27,921 SH   SOLE   27,921 0 0
ISHARES TR S&P 500 VAL ETF 464287408   1,359,961 7,125 SH   SOLE   7,125 0 0
ISHARES TR 20 YR TR BD ETF 464287432   710,043 8,131 SH   SOLE   8,131 0 0
ISHARES TR U.S. TECH ETF 464287721   963,094 6,037 SH   SOLE   6,037 0 0
ISHARES TR CORE S&P SCP ETF 464287804   242,635 2,106 SH   SOLE   2,106 0 0
ISHARES TR MSCI ACWI ETF 464288257   439,679 3,742 SH   SOLE   3,742 0 0
ISHARES TR JPMORGAN USD EMG 464288281   257,416 2,891 SH   SOLE   2,891 0 0
ISHARES TR MBS ETF 464288588   1,730,999 18,881 SH   SOLE   18,881 0 0
ISHARES TR EAFE VALUE ETF 464288877   1,699,429 32,389 SH   SOLE   32,389 0 0
ISHARES TR EAFE GRWTH ETF 464288885   1,732,258 17,890 SH   SOLE   17,890 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   280,100 3,155 SH   SOLE   3,155 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   2,717,761 15,261 SH   SOLE   15,261 0 0
ISHARES INC CORE MSCI EMKT 46434G103   423,725 8,114 SH   SOLE   8,114 0 0
ISHARES INC MSCI EMRG CHN 46434G764   835,172 15,062 SH   SOLE   15,062 0 0
ISHARES TR CORE TOTAL USD 46434V613   3,970,540 87,844 SH   SOLE   87,844 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   1,555,154 12,072 SH   SOLE   12,072 0 0
ISHARES TR US INFRASTRUC 46435U713   238,018 5,142 SH   SOLE   5,142 0 0
JPMORGAN CHASE & CO. COM 46625H100   924,399 3,856 SH   SOLE   3,856 0 0
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   1,652,639 32,590 SH   SOLE   32,590 0 0
JOHNSON & JOHNSON COM 478160104   493,349 3,411 SH   SOLE   3,411 0 0
KINDER MORGAN INC DEL COM 49456B101   442,928 16,165 SH   SOLE   16,165 0 0
LOCKHEED MARTIN CORP COM 539830109   537,477 1,106 SH   SOLE   1,106 0 0
LOWES COS INC COM 548661107   407,467 1,651 SH   SOLE   1,651 0 0
M & T BK CORP COM 55261F104   297,864 1,584 SH   SOLE   1,584 0 0
MCDONALDS CORP COM 580135101   512,468 1,768 SH   SOLE   1,768 0 0
MERCK & CO INC COM 58933Y105   363,386 3,653 SH   SOLE   3,653 0 0
MICROSOFT CORP COM 594918104   1,957,317 4,644 SH   SOLE   4,644 0 0
MONDELEZ INTL INC CL A 609207105   301,637 5,050 SH   SOLE   5,050 0 0
NORFOLK SOUTHN CORP COM 655844108   474,939 2,024 SH   SOLE   2,024 0 0
NUCOR CORP COM 670346105   487,007 4,173 SH   SOLE   4,173 0 0
NVIDIA CORPORATION COM 67066G104   907,295 6,756 SH   SOLE   6,756 0 0
PNC FINL SVCS GROUP INC COM 693475105   379,645 1,969 SH   SOLE   1,969 0 0
PPL CORP COM 69351T106   471,754 14,533 SH   SOLE   14,533 0 0
PEPSICO INC COM 713448108   347,787 2,287 SH   SOLE   2,287 0 0
PROCTER AND GAMBLE CO COM 742718109   410,516 2,449 SH   SOLE   2,449 0 0
QUALCOMM INC COM 747525103   492,967 3,209 SH   SOLE   3,209 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   212,882 363 SH   SOLE   363 0 0
SPDR GOLD TR GOLD SHS 78463V107   397,577 1,642 SH   SOLE   1,642 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854   9,189,648 133,299 SH   SOLE   133,299 0 0
SCHWAB CHARLES CORP COM 808513105   326,606 4,413 SH   SOLE   4,413 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   4,888,146 210,878 SH   SOLE   210,878 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,814,034 100,970 SH   SOLE   100,970 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   816,346 31,568 SH   SOLE   31,568 0 0
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   221,594 10,041 SH   SOLE   10,041 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   530,242 19,911 SH   SOLE   19,911 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730   350,628 12,070 SH   SOLE   12,070 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   1,472,684 44,345 SH   SOLE   44,345 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763   407,400 13,717 SH   SOLE   13,717 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   3,044,941 128,587 SH   SOLE   128,587 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,429,422 52,321 SH   SOLE   52,321 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,796,926 151,185 SH   SOLE   151,185 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   11,093,660 488,707 SH   SOLE   488,707 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,213,569 57,624 SH   SOLE   57,624 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   1,359,552 56,507 SH   SOLE   56,507 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   283,975 10,994 SH   SOLE   10,994 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   576,304 16,787 SH   SOLE   16,787 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   260,563 1,331 SH   SOLE   1,331 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733   980,826 9,351 SH   SOLE   9,351 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   227,164 3,159 SH   SOLE   3,159 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   337,609 2,646 SH   SOLE   2,646 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,780,767 3,305 SH   SOLE   3,305 0 0
WALMART INC COM 931142103   878,470 9,723 SH   SOLE   9,723 0 0
WASTE MGMT INC DEL COM 94106L109   483,731 2,397 SH   SOLE   2,397 0 0
WILLAMETTE VY VINEYARD INC COM 969136100   52,173 15,574 SH   SOLE   15,574 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669   318,748 3,939 SH   SOLE   3,939 0 0