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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 6,726 90,549 SH   SOLE   0 0 90,549
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 6,462 134,312 SH   SOLE   0 0 134,312
ISHARES TR CORE S&P US GWT 464287671 4,591 57,253 SH   SOLE   0 0 57,253
ISHARES TR CORE S&P US VLU 464287663 4,106 65,575 SH   SOLE   0 0 65,575
ISHARES TR CORE 1 5 YR USD 46432F859 3,579 77,645 SH   SOLE   0 0 77,645
ISHARES TR CORE MSCI EAFE 46432F842 3,048 57,862 SH   SOLE   0 0 57,862
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 3,019 52,236 SH   SOLE   0 0 52,236
APPLE INC COM 037833100 2,969 21,480 SH   SOLE   0 0 21,480
ISHARES TR IBOXX INV CP ETF 464287242 2,836 27,683 SH   SOLE   0 0 27,683
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 2,630 45,628 SH   SOLE   0 0 45,628
VANGUARD INDEX FDS GROWTH ETF 922908736 2,495 11,662 SH   SOLE   0 0 11,662
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,394 18,806 SH   SOLE   0 0 18,806
VANGUARD WORLD FDS INF TECH ETF 92204A702 2,285 7,435 SH   SOLE   0 0 7,435
VANGUARD INDEX FDS VALUE ETF 922908744 2,197 17,792 SH   SOLE   0 0 17,792
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 2,184 24,023 SH   SOLE   0 0 24,023
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 1,643 38,131 SH   SOLE   0 0 38,131
MICROSOFT CORP COM 594918104 1,480 6,354 SH   SOLE   0 0 6,354
ISHARES TR CORE S&P SCP ETF 464287804 1,476 16,930 SH   SOLE   0 0 16,930
ISHARES GOLD TR ISHARES NEW 464285204 1,429 45,308 SH   SOLE   0 0 45,308
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,361 17,980 SH   SOLE   0 0 17,980
PROCTER AND GAMBLE CO COM 742718109 1,317 10,431 SH   SOLE   0 0 10,431
INVESCO QQQ TR UNIT SER 1 46090E103 1,285 4,808 SH   SOLE   0 0 4,808
ISHARES TR BLACKROCK ULTRA 46434V878 1,275 25,486 SH   SOLE   0 0 25,486
FIDELITY COVINGTON TRUST MSCI COMMNTN SVC 316092873 1,262 40,344 SH   SOLE   0 0 40,344
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,251 9,257 SH   SOLE   0 0 9,257
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 1,238 24,679 SH   SOLE   0 0 24,679
ISHARES INC CORE MSCI EMKT 46434G103 1,120 26,059 SH   SOLE   0 0 26,059
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 989 10,424 SH   SOLE   0 0 10,424
JOHNSON & JOHNSON COM 478160104 951 5,821 SH   SOLE   0 0 5,821
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 912 12,186 SH   SOLE   0 0 12,186
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 875 5,551 SH   SOLE   0 0 5,551
ISHARES TR CORE S&P500 ETF 464287200 869 2,424 SH   SOLE   0 0 2,424
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 865 14,209 SH   SOLE   0 0 14,209
AMAZON COM INC COM 023135106 860 7,611 SH   SOLE   0 0 7,611
ISHARES TR CORE S&P MCP ETF 464287507 859 3,920 SH   SOLE   0 0 3,920
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 826 12,610 SH   SOLE   0 0 12,610
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 825 5,795 SH   SOLE   0 0 5,795
VANGUARD STAR FDS VG TL INTL STK F 921909768 825 18,032 SH   SOLE   0 0 18,032
PACER FDS TR US CASH COWS 100 69374H881 821 20,023 SH   SOLE   0 0 20,023
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303 818 20,367 SH   SOLE   0 0 20,367
ISHARES TR CORE MSCI INTL 46435G326 818 16,928 SH   SOLE   0 0 16,928
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 803 16,822 SH   SOLE   0 0 16,822
FIDELITY COVINGTON TRUST MSCI INDL INDX 316092709 787 18,014 SH   SOLE   0 0 18,014
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 724 4,216 SH   SOLE   0 0 4,216
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 713 28,358 SH   SOLE   0 0 28,358
INTEL CORP COM 458140100 621 24,085 SH   SOLE   0 0 24,085
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402 603 30,341 SH   SOLE   0 0 30,341
ISHARES TR FLTG RATE NT ETF 46429B655 599 11,906 SH   SOLE   0 0 11,906
NVIDIA CORPORATION COM 67066G104 590 4,861 SH   SOLE   0 0 4,861
SELECT SECTOR SPDR TR ENERGY 81369Y506 579 8,046 SH   SOLE   0 0 8,046
CHEVRON CORP NEW COM 166764100 576 4,007 SH   SOLE   0 0 4,007
SPDR S&P 500 ETF TR TR UNIT 78462F103 569 1,592 SH   SOLE   0 0 1,592
JPMORGAN CHASE & CO COM 46625H100 561 5,365 SH   SOLE   0 0 5,365
PEPSICO INC COM 713448108 559 3,424 SH   SOLE   0 0 3,424
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 539 22,991 SH   SOLE   0 0 22,991
HOME DEPOT INC COM 437076102 536 1,943 SH   SOLE   0 0 1,943
LILLY ELI & CO COM 532457108 531 1,642 SH   SOLE   0 0 1,642
VANGUARD INDEX FDS TOTAL STK MKT 922908769 501 2,790 SH   SOLE   0 0 2,790
EXXON MOBIL CORP COM 30231G102 498 5,706 SH   SOLE   0 0 5,706
ISHARES TR 1 3 YR TREAS BD 464287457 476 5,864 SH   SOLE   0 0 5,864
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 456 9,273 SH   SOLE   0 0 9,273
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 442 20,508 SH   SOLE   0 0 20,508
ALPHABET INC CAP STK CL A 02079K305 440 4,604 SH   SOLE   0 0 4,604
ISHARES TR USD INV GRDE ETF 464288620 439 9,143 SH   SOLE   0 0 9,143
ISHARES TR 0-5YR INVT GR CP 46434V100 434 9,162 SH   SOLE   0 0 9,162
UNITEDHEALTH GROUP INC COM 91324P102 422 835 SH   SOLE   0 0 835
VANGUARD WORLD FDS ENERGY ETF 92204A306 421 4,141 SH   SOLE   0 0 4,141
DOMINION ENERGY INC COM 25746U109 397 5,751 SH   SOLE   0 0 5,751
VANGUARD INDEX FDS SMALL CP ETF 922908751 371 2,172 SH   SOLE   0 0 2,172
ALPHABET INC CAP STK CL C 02079K107 364 3,785 SH   SOLE   0 0 3,785
ETF SER SOLUTIONS DISTILLATE US 26922A321 356 9,649 SH   SOLE   0 0 9,649
MERCK & CO INC COM 58933Y105 342 3,972 SH   SOLE   0 0 3,972
ABBVIE INC COM 00287Y109 338 2,517 SH   SOLE   0 0 2,517
DUKE ENERGY CORP NEW COM NEW 26441C204 338 3,638 SH   SOLE   0 0 3,638
EATON VANCE TAX-MANAGED BUY- COM 27828Y108 338 25,672 SH   SOLE   0 0 25,672
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 329 16,394 SH   SOLE   0 0 16,394
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 327 13,678 SH   SOLE   0 0 13,678
VANGUARD INDEX FDS MID CAP ETF 922908629 327 1,741 SH   SOLE   0 0 1,741
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827 322 9,483 SH   SOLE   0 0 9,483
UNION PAC CORP COM 907818108 316 1,624 SH   SOLE   0 0 1,624
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 313 4,391 SH   SOLE   0 0 4,391
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 307 3,103 SH   SOLE   0 0 3,103
ISHARES TR CORE S&P TTL STK 464287150 305 3,837 SH   SOLE   0 0 3,837
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 304 4,085 SH   SOLE   0 0 4,085
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 303 14,201 SH   SOLE   0 0 14,201
INTERNATIONAL BUSINESS MACHS COM 459200101 299 2,518 SH   SOLE   0 0 2,518
LOWES COS INC COM 548661107 298 1,585 SH   SOLE   0 0 1,585
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 294 3,661 SH   SOLE   0 0 3,661
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431 279 3,727 SH   SOLE   0 0 3,727
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104 275 4,146 SH   SOLE   0 0 4,146
MCDONALDS CORP COM 580135101 271 1,173 SH   SOLE   0 0 1,173
DEERE & CO COM 244199105 268 802 SH   SOLE   0 0 802
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 267 7,348 SH   SOLE   0 0 7,348
ISHARES TR S&P 100 ETF 464287101 265 1,628 SH   SOLE   0 0 1,628
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 264 3,181 SH   SOLE   0 0 3,181
VERIZON COMMUNICATIONS INC COM 92343V104 261 6,874 SH   SOLE   0 0 6,874
QUALCOMM INC COM 747525103 258 2,283 SH   SOLE   0 0 2,283
ORACLE CORP COM 68389X105 257 4,213 SH   SOLE   0 0 4,213
WILLIAMS COS INC COM 969457100 253 8,824 SH   SOLE   0 0 8,824
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 250 4,040 SH   SOLE   0 0 4,040
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 245 917 SH   SOLE   0 0 917
PACER FDS TR DEVELOPED MRKT 69374H873 244 10,555 SH   SOLE   0 0 10,555
PFIZER INC COM 717081103 244 5,579 SH   SOLE   0 0 5,579
WATERS CORP COM 941848103 243 900 SH   SOLE   0 0 900
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 233 3,424 SH   SOLE   0 0 3,424
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 230 1,028 SH   SOLE   0 0 1,028
DISNEY WALT CO COM 254687106 228 2,413 SH   SOLE   0 0 2,413
NETFLIX INC COM 64110L106 228 969 SH   SOLE   0 0 969
ISHARES TR SELECT DIVID ETF 464287168 225 2,101 SH   SOLE   0 0 2,101
TARGET CORP COM 87612E106 222 1,499 SH   SOLE   0 0 1,499
BIONTECH SE SPONSORED ADS 09075V102 215 1,597 SH   SOLE   0 0 1,597
AMERICAN WTR WKS CO INC NEW COM 030420103 211 1,618 SH   SOLE   0 0 1,618
WALMART INC COM 931142103 208 1,607 SH   SOLE   0 0 1,607
VANGUARD WORLD FD MEGA GRWTH IND 921910816 207 1,185 SH   SOLE   0 0 1,185
WOLFSPEED INC COM 977852102 207 2,000 SH   SOLE   0 0 2,000
CATERPILLAR INC COM 149123101 202 1,232 SH   SOLE   0 0 1,232
PUTNAM PREMIER INCOME TR SH BEN INT 746853100 37 10,271 SH   SOLE   0 0 10,271
ARRIVAL GROUP SHS L0423Q108 12 15,000 SH   SOLE   0 0 15,000