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
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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
3M CO COM 88579Y101   566,592 5,183 SH   SOLE   0 0 5,183
ABBVIE INC COM 00287Y109   254,461 1,642 SH   SOLE   0 0 1,642
ABRDN ETFS BBRG ALL COMD K1 003261104   224,673 11,605 SH   SOLE   0 0 11,605
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   396,528 1,130 SH   SOLE   0 0 1,130
ADOBE INC COM 00724F101   2,445,463 4,099 SH   SOLE   0 0 4,099
ADVANCED MICRO DEVICES INC COM 007903107   628,114 4,261 SH   SOLE   0 0 4,261
ALLIANT ENERGY CORP COM 018802108   261,938 5,106 SH   SOLE   0 0 5,106
ALLSTATE CORP COM 020002101   1,510,165 10,788 SH   SOLE   0 0 10,788
AMAZON COM INC COM 023135106   680,539 4,479 SH   SOLE   0 0 4,479
AMERICAN TOWER CORP NEW COM 03027X100   237,468 1,100 SH   SOLE   0 0 1,100
AMETEK INC COM 031100100   1,027,546 6,232 SH   SOLE   0 0 6,232
AMGEN INC COM 031162100   429,056 1,490 SH   SOLE   0 0 1,490
ANALOG DEVICES INC COM 032654105   644,106 3,244 SH   SOLE   0 0 3,244
APPLE INC COM 037833100   13,603,863 70,658 SH   SOLE   0 0 70,658
AUTONATION INC COM 05329W102   1,558,718 10,379 SH   SOLE   0 0 10,379
AUTOZONE INC COM 053332102   209,434 81 SH   SOLE   0 0 81
BANK NEW YORK MELLON CORP COM 064058100   385,951 7,415 SH   SOLE   0 0 7,415
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   480,064 1,346 SH   SOLE   0 0 1,346
BLACKSTONE INC COM 09260D107   474,061 3,621 SH   SOLE   0 0 3,621
BOEING CO COM 097023105   1,096,075 4,205 SH   SOLE   0 0 4,205
BRISTOL-MYERS SQUIBB CO COM 110122108   205,240 4,000 SH   SOLE   0 0 4,000
BROADCOM INC COM 11135F101   234,413 210 SH   SOLE   0 0 210
CASSAVA SCIENCES INC COM 14817C107   301,026 13,373 SH   SOLE   0 0 13,373
CATERPILLAR INC COM 149123101   1,183,844 4,004 SH   SOLE   0 0 4,004
CHENIERE ENERGY INC COM NEW 16411R208   775,377 4,542 SH   SOLE   0 0 4,542
CHEVRON CORP NEW COM 166764100   300,110 2,012 SH   SOLE   0 0 2,012
CISCO SYS INC COM 17275R102   909,057 17,994 SH   SOLE   0 0 17,994
CITIZENS & NORTHN CORP COM 172922106   2,961,814 132,047 SH   SOLE   0 0 132,047
CLOROX CO DEL COM 189054109   404,551 2,837 SH   SOLE   0 0 2,837
COCA COLA CO COM 191216100   717,473 12,175 SH   SOLE   0 0 12,175
CONOCOPHILLIPS COM 20825C104   920,429 7,930 SH   SOLE   0 0 7,930
CONSOLIDATED EDISON INC COM 209115104   266,360 2,928 SH   SOLE   0 0 2,928
COSTAR GROUP INC COM 22160N109   1,070,877 12,254 SH   SOLE   0 0 12,254
CROWDSTRIKE HLDGS INC CL A 22788C105   262,214 1,027 SH   SOLE   0 0 1,027
CSX CORP COM 126408103   260,684 7,519 SH   SOLE   0 0 7,519
DANAHER CORPORATION COM 235851102   250,201 1,082 SH   SOLE   0 0 1,082
DEERE & CO COM 244199105   338,682 847 SH   SOLE   0 0 847
DEVON ENERGY CORP NEW COM 25179M103   592,298 13,075 SH   SOLE   0 0 13,075
DISNEY WALT CO COM 254687106   354,397 3,925 SH   SOLE   0 0 3,925
DOW INC COM 260557103   406,858 7,419 SH   SOLE   0 0 7,419
EATON CORP PLC SHS G29183103   1,098,691 4,562 SH   SOLE   0 0 4,562
ELI LILLY & CO COM 532457108   1,343,631 2,305 SH   SOLE   0 0 2,305
EOG RES INC COM 26875P101   959,447 7,933 SH   SOLE   0 0 7,933
EXXON MOBIL CORP COM 30231G102   749,935 7,501 SH   SOLE   0 0 7,501
FEDEX CORP COM 31428X106   455,212 1,799 SH   SOLE   0 0 1,799
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309   594,672 12,908 SH   SOLE   0 0 12,908
FISERV INC COM 337738108   225,828 1,700 SH   SOLE   0 0 1,700
GENERAC HLDGS INC COM 368736104   264,942 2,050 SH   SOLE   0 0 2,050
GLOBAL X FDS GLBX SUPRINC ETF 37950E333   94,886 10,450 SH   SOLE   0 0 10,450
GOLDMAN SACHS GROUP INC COM 38141G104   226,061 586 SH   SOLE   0 0 586
HALLIBURTON CO COM 406216101   331,098 9,159 SH   SOLE   0 0 9,159
HARTFORD FINL SVCS GROUP INC COM 416515104   229,516 2,855 SH   SOLE   0 0 2,855
HOME DEPOT INC COM 437076102   506,410 1,461 SH   SOLE   0 0 1,461
INTEL CORP COM 458140100   773,448 15,392 SH   SOLE   0 0 15,392
INTERNATIONAL BUSINESS MACHS COM 459200101   964,127 5,895 SH   SOLE   0 0 5,895
INTERNATIONAL PAPER CO COM 460146103   205,043 5,672 SH   SOLE   0 0 5,672
INTUITIVE SURGICAL INC COM NEW 46120E602   332,974 987 SH   SOLE   0 0 987
INVESCO BD FD COM 46132L107   160,116 10,527 SH   SOLE   0 0 10,527
INVESCO EXCHANGE TRADED FD T LARGE CAP VALUE 46137V738   217,675 4,290 SH   SOLE   0 0 4,290
IQVIA HLDGS INC COM 46266C105   804,046 3,475 SH   SOLE   0 0 3,475
ISHARES INC CORE MSCI EMKT 46434G103   666,095 13,169 SH   SOLE   0 0 13,169
ISHARES TR GNMA BOND ETF 46429B333   207,975 4,700 SH   SOLE   0 0 4,700
ISHARES TR MBS ETF 464288588   394,572 4,194 SH   SOLE   0 0 4,194
ISHARES TR USD INV GRDE ETF 464288620   3,563,495 69,518 SH   SOLE   0 0 69,518
ISHARES TR ISHS 1-5YR INVS 464288646   1,945,333 37,939 SH   SOLE   0 0 37,939
ISHARES TR GL CLEAN ENE ETF 464288224   184,178 11,829 SH   SOLE   0 0 11,829
ISHARES TR TIPS BD ETF 464287176   1,169,276 10,878 SH   SOLE   0 0 10,878
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   8,107,901 147,470 SH   SOLE   0 0 147,470
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   211,210 4,199 SH   SOLE   0 0 4,199
JOHNSON & JOHNSON COM 478160104   1,672,312 10,669 SH   SOLE   0 0 10,669
JOHNSON CTLS INTL PLC SHS G51502105   209,752 3,639 SH   SOLE   0 0 3,639
JPMORGAN CHASE & CO COM 46625H100   673,101 3,957 SH   SOLE   0 0 3,957
KIMBERLY-CLARK CORP COM 494368103   804,142 6,618 SH   SOLE   0 0 6,618
KNIFE RIVER CORP COMMON STOCK 498894104   323,620 4,890 SH   SOLE   0 0 4,890
LOWES COS INC COM 548661107   262,525 1,180 SH   SOLE   0 0 1,180
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100   1,124,412 11,826 SH   SOLE   0 0 11,826
MARATHON PETE CORP COM 56585A102   372,532 2,511 SH   SOLE   0 0 2,511
MARRIOTT INTL INC NEW CL A 571903202   225,510 1,000 SH   SOLE   0 0 1,000
MCDONALDS CORP COM 580135101   1,518,189 5,120 SH   SOLE   0 0 5,120
MEDTRONIC PLC SHS G5960L103   467,754 5,678 SH   SOLE   0 0 5,678
MERCK & CO INC COM 58933Y105   2,307,719 21,168 SH   SOLE   0 0 21,168
META PLATFORMS INC CL A 30303M102   2,127,300 6,010 SH   SOLE   0 0 6,010
MICROCHIP TECHNOLOGY INC. COM 595017104   280,460 3,110 SH   SOLE   0 0 3,110
MICROSOFT CORP COM 594918104   1,113,666 2,962 SH   SOLE   0 0 2,962
MORGAN STANLEY COM NEW 617446448   221,189 2,372 SH   SOLE   0 0 2,372
MOTOROLA SOLUTIONS INC COM NEW 620076307   981,850 3,136 SH   SOLE   0 0 3,136
NATIONAL FUEL GAS CO COM 636180101   209,410 4,174 SH   SOLE   0 0 4,174
NETFLIX INC COM 64110L106   484,446 995 SH   SOLE   0 0 995
NEWMONT CORP COM 651639106   603,756 14,587 SH   SOLE   0 0 14,587
NUCOR CORP COM 670346105   644,992 3,706 SH   SOLE   0 0 3,706
NUVEEN MUN VALUE FD INC COM 670928100   110,467 12,845 SH   SOLE   0 0 12,845
NVIDIA CORPORATION COM 67066G104   1,738,222 3,510 SH   SOLE   0 0 3,510
PACER FDS TR PACER US SMALL 69374H857   1,273,756 26,520 SH   SOLE   0 0 26,520
PACER FDS TR DEVELOPED MRKT 69374H873   1,999,079 63,991 SH   SOLE   0 0 63,991
PACER FDS TR US CASH COWS 100 69374H881   5,512,188 106,024 SH   SOLE   0 0 106,024
PAYCHEX INC COM 704326107   1,577,181 13,241 SH   SOLE   0 0 13,241
PEPSICO INC COM 713448108   1,131,392 6,662 SH   SOLE   0 0 6,662
PFIZER INC COM 717081103   396,726 13,780 SH   SOLE   0 0 13,780
PHILLIPS 66 COM 718546104   365,757 2,747 SH   SOLE   0 0 2,747
PROCTER AND GAMBLE CO COM 742718109   457,503 3,122 SH   SOLE   0 0 3,122
PRUDENTIAL FINL INC COM 744320102   1,415,436 13,648 SH   SOLE   0 0 13,648
PUBLIC STORAGE COM 74460D109   351,360 1,152 SH   SOLE   0 0 1,152
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   831,607 13,599 SH   SOLE   0 0 13,599
REPUBLIC SVCS INC COM 760759100   1,158,823 7,027 SH   SOLE   0 0 7,027
RIO TINTO PLC SPONSORED ADR 767204100   666,864 8,956 SH   SOLE   0 0 8,956
RTX CORPORATION COM 75513E101   378,497 4,498 SH   SOLE   0 0 4,498
S&P GLOBAL INC COM 78409V104   249,775 567 SH   SOLE   0 0 567
SALESFORCE INC COM 79466L302   603,117 2,292 SH   SOLE   0 0 2,292
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   250,929 7,192 SH   SOLE   0 0 7,192
SCHWAB STRATEGIC TR US REIT ETF 808524847   278,467 13,446 SH   SOLE   0 0 13,446
SCHWAB STRATEGIC TR US TIPS ETF 808524870   212,001 4,061 SH   SOLE   0 0 4,061
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   415,436 5,008 SH   SOLE   0 0 5,008
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   7,766,430 110,791 SH   SOLE   0 0 110,791
SNOWFLAKE INC CL A 833445109   227,855 1,145 SH   SOLE   0 0 1,145
SONOCO PRODS CO COM 835495102   260,857 4,669 SH   SOLE   0 0 4,669
SOUTHERN CO COM 842587107   444,771 6,343 SH   SOLE   0 0 6,343
SPDR GOLD TR GOLD SHS 78463V107   352,709 1,845 SH   SOLE   0 0 1,845
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   487,562 14,336 SH   SOLE   0 0 14,336
SPDR S&P 500 ETF TR TR UNIT 78462F103   518,936 1,092 SH   SOLE   0 0 1,092
SPDR SER TR RUSSELL YIELD 78468R770   278,491 2,765 SH   SOLE   0 0 2,765
SPDR SER TR S&P 400 MDCP GRW 78464A821   256,067 3,384 SH   SOLE   0 0 3,384
STARBUCKS CORP COM 855244109   1,562,865 16,278 SH   SOLE   0 0 16,278
STRATEGY SHS NS 7HANDL IDX 86280R506   227,480 11,000 SH   SOLE   0 0 11,000
STRYKER CORPORATION COM 863667101   748,859 2,501 SH   SOLE   0 0 2,501
TARGET CORP COM 87612E106   273,874 1,923 SH   SOLE   0 0 1,923
TELEFLEX INCORPORATED COM 879369106   762,232 3,057 SH   SOLE   0 0 3,057
TESLA INC COM 88160R101   206,735 832 SH   SOLE   0 0 832
THERMO FISHER SCIENTIFIC INC COM 883556102   305,204 575 SH   SOLE   0 0 575
TJX COS INC NEW COM 872540109   292,980 3,123 SH   SOLE   0 0 3,123
TRAVELERS COMPANIES INC COM 89417E109   226,683 1,190 SH   SOLE   0 0 1,190
TRUIST FINL CORP COM 89832Q109   1,921,834 52,054 SH   SOLE   0 0 52,054
UNITED PARCEL SERVICE INC CL B 911312106   617,973 3,930 SH   SOLE   0 0 3,930
UNITEDHEALTH GROUP INC COM 91324P102   1,032,127 1,960 SH   SOLE   0 0 1,960
UNIVEST FINANCIAL CORPORATIO COM 915271100   897,436 40,737 SH   SOLE   0 0 40,737
VANECK ETF TRUST FALLEN ANGEL HG 92189F437   333,515 11,588 SH   SOLE   0 0 11,588
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   346,394 7,017 SH   SOLE   0 0 7,017
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   3,052,043 13,900 SH   SOLE   0 0 13,900
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   2,570,783 17,728 SH   SOLE   0 0 17,728
VANGUARD INDEX FDS GROWTH ETF 922908736   15,545,681 50,005 SH   SOLE   0 0 50,005
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   255,449 2,891 SH   SOLE   0 0 2,891
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   312,031 7,592 SH   SOLE   0 0 7,592
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623   2,374,591 12,937 SH   SOLE   0 0 12,937
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649   1,229,890 9,005 SH   SOLE   0 0 9,005
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   476,138 5,858 SH   SOLE   0 0 5,858
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   225,301 2,912 SH   SOLE   0 0 2,912
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   374,013 6,305 SH   SOLE   0 0 6,305
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   208,588 3,576 SH   SOLE   0 0 3,576
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   2,493,890 53,794 SH   SOLE   0 0 53,794
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   217,753 715 SH   SOLE   0 0 715
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   226,602 1,028 SH   SOLE   0 0 1,028
VANGUARD WORLD FDS ENERGY ETF 92204A306   514,273 4,385 SH   SOLE   0 0 4,385
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   440,480 1,757 SH   SOLE   0 0 1,757
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   315,657 1,653 SH   SOLE   0 0 1,653
VANGUARD WORLD FDS INF TECH ETF 92204A702   529,012 1,093 SH   SOLE   0 0 1,093
VERIZON COMMUNICATIONS INC COM 92343V104   644,405 17,093 SH   SOLE   0 0 17,093
VERTEX ENERGY INC COM 92534K107   38,307 11,300 SH   SOLE   0 0 11,300
VISA INC COM CL A 92826C839   1,487,376 5,713 SH   SOLE   0 0 5,713
WASTE MGMT INC DEL COM 94106L109   1,117,405 6,239 SH   SOLE   0 0 6,239
WELLS FARGO CO NEW COM 949746101   745,180 15,140 SH   SOLE   0 0 15,140
WEST PHARMACEUTICAL SVSC INC COM 955306105   264,090 750 SH   SOLE   0 0 750
ZOMEDICA CORP COM 98980M109   4,004 20,000 SH   SOLE   0 0 20,000