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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 7,790 95,864 SH   SOLE   0 0 95,864
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 7,003 136,248 SH   SOLE   0 0 136,248
ISHARES TR CORE 1 5 YR USD 46432F859 4,665 92,497 SH   SOLE   0 0 92,497
ISHARES TR CORE S&P US VLU 464287663 4,630 60,651 SH   SOLE   0 0 60,651
ISHARES TR CORE S&P US GWT 464287671 3,973 34,358 SH   SOLE   0 0 34,358
ISHARES TR CORE MSCI EAFE 46432F842 3,823 51,220 SH   SOLE   0 0 51,220
ISHARES TR IBOXX INV CP ETF 464287242 3,614 27,269 SH   SOLE   0 0 27,269
APPLE INC COM 037833100 3,173 17,869 SH   SOLE   0 0 17,869
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,718 16,701 SH   SOLE   0 0 16,701
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 2,562 18,918 SH   SOLE   0 0 18,918
VANGUARD INDEX FDS GROWTH ETF 922908736 2,543 7,924 SH   SOLE   0 0 7,924
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 2,424 39,843 SH   SOLE   0 0 39,843
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 2,341 34,095 SH   SOLE   0 0 34,095
VANGUARD WORLD FDS INF TECH ETF 92204A702 2,286 4,990 SH   SOLE   0 0 4,990
VANGUARD INDEX FDS VALUE ETF 922908744 2,281 15,504 SH   SOLE   0 0 15,504
MICROSOFT CORP COM 594918104 2,275 6,765 SH   SOLE   0 0 6,765
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,170 23,398 SH   SOLE   0 0 23,398
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 2,050 36,658 SH   SOLE   0 0 36,658
ISHARES TR BLACKROCK ULTRA 46434V878 1,740 34,526 SH   SOLE   0 0 34,526
PROCTER AND GAMBLE CO COM 742718109 1,549 9,467 SH   SOLE   0 0 9,467
FIDELITY COVINGTON TRUST MSCI COMMNTN SVC 316092873 1,504 29,291 SH   SOLE   0 0 29,291
ISHARES INC CORE MSCI EMKT 46434G103 1,344 22,457 SH   SOLE   0 0 22,457
ISHARES TR CORE MSCI INTL 46435G326 1,157 17,126 SH   SOLE   0 0 17,126
ISHARES TR CORE S&P SCP ETF 464287804 1,141 9,967 SH   SOLE   0 0 9,967
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 1,140 5,703 SH   SOLE   0 0 5,703
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,139 17,913 SH   SOLE   0 0 17,913
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,129 6,572 SH   SOLE   0 0 6,572
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 1,106 12,527 SH   SOLE   0 0 12,527
ISHARES GOLD TR ISHARES NEW 464285204 1,106 31,777 SH   SOLE   0 0 31,777
ISHARES TR CORE S&P500 ETF 464287200 1,085 2,276 SH   SOLE   0 0 2,276
FIDELITY COVINGTON TRUST MSCI INDL INDX 316092709 1,080 19,219 SH   SOLE   0 0 19,219
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 968 4,771 SH   SOLE   0 0 4,771
NVIDIA CORPORATION COM 67066G104 912 3,102 SH   SOLE   0 0 3,102
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 912 8,138 SH   SOLE   0 0 8,138
JOHNSON & JOHNSON COM 478160104 887 5,186 SH   SOLE   0 0 5,186
ISHARES TR CORE S&P MCP ETF 464287507 859 3,035 SH   SOLE   0 0 3,035
INTEL CORP COM 458140100 820 15,924 SH   SOLE   0 0 15,924
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 794 13,549 SH   SOLE   0 0 13,549
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 762 3,728 SH   SOLE   0 0 3,728
JPMORGAN CHASE & CO COM 46625H100 757 4,782 SH   SOLE   0 0 4,782
ORACLE CORP COM 68389X105 747 8,565 SH   SOLE   0 0 8,565
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 725 8,966 SH   SOLE   0 0 8,966
ISHARES TR FLTG RATE NT ETF 46429B655 694 13,671 SH   SOLE   0 0 13,671
VANGUARD INDEX FDS TOTAL STK MKT 922908769 679 2,812 SH   SOLE   0 0 2,812
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 656 11,680 SH   SOLE   0 0 11,680
ISHARES TR 0-5YR INVT GR CP 46434V100 624 12,231 SH   SOLE   0 0 12,231
ISHARES TR USD INV GRDE ETF 464288620 616 10,313 SH   SOLE   0 0 10,313
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 603 5,939 SH   SOLE   0 0 5,939
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303 597 12,794 SH   SOLE   0 0 12,794
PEPSICO INC COM 713448108 573 3,298 SH   SOLE   0 0 3,298
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 567 16,340 SH   SOLE   0 0 16,340
VANGUARD INDEX FDS SMALL CP ETF 922908751 532 2,354 SH   SOLE   0 0 2,354
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 511 15,717 SH   SOLE   0 0 15,717
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 483 6,745 SH   SOLE   0 0 6,745
NORTHROP GRUMMAN CORP COM 666807102 464 1,200 SH   SOLE   0 0 1,200
DOMINION ENERGY INC COM 25746U109 452 5,751 SH   SOLE   0 0 5,751
AMAZON COM INC COM 023135106 443 133 SH   SOLE   0 0 133
CHEVRON CORP NEW COM 166764100 430 3,668 SH   SOLE   0 0 3,668
EATON VANCE TAX-MANAGED BUY- COM 27828Y108 425 25,363 SH   SOLE   0 0 25,363
VANGUARD INDEX FDS MID CAP ETF 922908629 425 1,668 SH   SOLE   0 0 1,668
SELECT SECTOR SPDR TR ENERGY 81369Y506 424 7,646 SH   SOLE   0 0 7,646
HOME DEPOT INC COM 437076102 415 1,000 SH   SOLE   0 0 1,000
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 415 8,118 SH   SOLE   0 0 8,118
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 407 4,760 SH   SOLE   0 0 4,760
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 405 13,068 SH   SOLE   0 0 13,068
PIMCO ETF TR 1-5 US TIP IDX 72201R205 400 7,245 SH   SOLE   0 0 7,245
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402 394 25,974 SH   SOLE   0 0 25,974
INTERNATIONAL BUSINESS MACHS COM 459200101 389 2,910 SH   SOLE   0 0 2,910
ALPHABET INC CAP STK CL C 02079K107 376 130 SH   SOLE   0 0 130
BIONTECH SE SPONSORED ADS 09075V102 373 1,447 SH   SOLE   0 0 1,447
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 370 4,364 SH   SOLE   0 0 4,364
LILLY ELI & CO COM 532457108 362 1,312 SH   SOLE   0 0 1,312
UNION PAC CORP COM 907818108 361 1,434 SH   SOLE   0 0 1,434
ISHARES TR S&P 100 ETF 464287101 357 1,628 SH   SOLE   0 0 1,628
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 357 3,074 SH   SOLE   0 0 3,074
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 353 6,989 SH   SOLE   0 0 6,989
VERIZON COMMUNICATIONS INC COM 92343V104 343 6,599 SH   SOLE   0 0 6,599
FIDELITY COVINGTON TRUST MSCI MATLS INDEX 316092881 340 6,748 SH   SOLE   0 0 6,748
LOWES COS INC COM 548661107 338 1,309 SH   SOLE   0 0 1,309
WATERS CORP COM 941848103 335 900 SH   SOLE   0 0 900
ALPHABET INC CAP STK CL A 02079K305 322 111 SH   SOLE   0 0 111
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 319 3,301 SH   SOLE   0 0 3,301
QUALCOMM INC COM 747525103 318 1,739 SH   SOLE   0 0 1,739
PFIZER INC COM 717081103 316 5,350 SH   SOLE   0 0 5,350
AMERICAN WTR WKS CO INC NEW COM 030420103 306 1,618 SH   SOLE   0 0 1,618
DUKE ENERGY CORP NEW COM NEW 26441C204 303 2,885 SH   SOLE   0 0 2,885
ISHARES TR CORE S&P TTL STK 464287150 301 2,811 SH   SOLE   0 0 2,811
VANGUARD WORLD FDS MATERIALS ETF 92204A801 297 1,509 SH   SOLE   0 0 1,509
VANGUARD WORLD FD MEGA GRWTH IND 921910816 293 1,123 SH   SOLE   0 0 1,123
EXXON MOBIL CORP COM 30231G102 289 4,719 SH   SOLE   0 0 4,719
VANGUARD WORLD FDS ENERGY ETF 92204A306 281 3,625 SH   SOLE   0 0 3,625
MCDONALDS CORP COM 580135101 280 1,046 SH   SOLE   0 0 1,046
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 278 1,043 SH   SOLE   0 0 1,043
APPLIED MATLS INC COM 038222105 277 1,763 SH   SOLE   0 0 1,763
SPDR S&P 500 ETF TR TR UNIT 78462F103 266 561 SH   SOLE   0 0 561
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 256 5,808 SH   SOLE   0 0 5,808
UNITEDHEALTH GROUP INC COM 91324P102 251 500 SH   SOLE   0 0 500
MERCK & CO INC COM 58933Y105 246 3,212 SH   SOLE   0 0 3,212
DEERE & CO COM 244199105 245 714 SH   SOLE   0 0 714
ISHARES TR PFD AND INCM SEC 464288687 240 6,086 SH   SOLE   0 0 6,086
SPDR GOLD TR GOLD SHS 78463V107 240 1,401 SH   SOLE   0 0 1,401
SCHWAB STRATEGIC TR US TIPS ETF 808524870 239 3,806 SH   SOLE   0 0 3,806
ISHARES TR SELECT DIVID ETF 464287168 238 1,938 SH   SOLE   0 0 1,938
MICRON TECHNOLOGY INC COM 595112103 235 2,520 SH   SOLE   0 0 2,520
WOLFSPEED INC COM 977852102 235 2,100 SH   SOLE   0 0 2,100
AT&T INC COM 00206R102 233 9,463 SH   SOLE   0 0 9,463
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 232 2,191 SH   SOLE   0 0 2,191
CORNING INC COM 219350105 224 6,012 SH   SOLE   0 0 6,012
DISNEY WALT CO COM 254687106 211 1,363 SH   SOLE   0 0 1,363
WILLIAMS COS INC COM 969457100 211 8,090 SH   SOLE   0 0 8,090
BOEING CO COM 097023105 209 1,040 SH   SOLE   0 0 1,040
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 209 4,511 SH   SOLE   0 0 4,511
ISHARES TR MSCI USA MIN VOL 46429B697 209 2,579 SH   SOLE   0 0 2,579
EMERSON ELEC CO COM 291011104 207 2,229 SH   SOLE   0 0 2,229
VIRTUS ALLIANZGI EQUITY & CO COM 92841M101 206 6,850 SH   SOLE   0 0 6,850
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 205 3,962 SH   SOLE   0 0 3,962
TRANE TECHNOLOGIES PLC SHS G8994E103 202 1,000 SH   SOLE   0 0 1,000
VANGUARD INDEX FDS SM CP VAL ETF 922908611 200 1,121 SH   SOLE   0 0 1,121
PUTNAM PREMIER INCOME TR SH BEN INT 746853100 44 10,271 SH   SOLE   0 0 10,271