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
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
ABBOTT LABS COM 002824100 234 2,151 SH   SOLE 0 0 0 2,151
ABBVIE INC COM 00287Y109 2,089 13,637 SH   SOLE 0 0 0 13,637
ABRDN ETFS BBRG ALL COMD K1 003261104 1,658 61,032 SH   SOLE 0 0 0 61,032
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104 1,513 87,323 SH   SOLE 0 0 0 87,323
ADOBE SYSTEMS INCORPORATED COM 00724F101 418 1,142 SH   SOLE 0 0 0 1,142
AIR PRODS & CHEMS INC COM 009158106 499 2,075 SH   SOLE 0 0 0 2,075
ALPHABET INC CAP STK CL A 02079K305 2,105 966 SH   SOLE 0 0 0 966
AMAZON COM INC COM 023135106 1,287 12,120 SH   SOLE 0 0 0 12,120
AMERICAN CENTY ETF TR US SML CP VALU 025072877 2,175 31,822 SH   SOLE 0 0 0 31,822
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 229 4,492 SH   SOLE 0 0 0 4,492
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 2,406 45,611 SH   SOLE 0 0 0 45,611
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 4,062 78,063 SH   SOLE 0 0 0 78,063
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349 329 7,134 SH   SOLE 0 0 0 7,134
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356 2,075 46,694 SH   SOLE 0 0 0 46,694
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364 968 22,757 SH   SOLE 0 0 0 22,757
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323 481 11,724 SH   SOLE 0 0 0 11,724
AMERICAN INTL GROUP INC COM NEW 026874784 453 8,863 SH   SOLE 0 0 0 8,863
AMERICAN TOWER CORP NEW COM 03027X100 470 1,837 SH   SOLE 0 0 0 1,837
ANI PHARMACEUTICALS INC COM 00182C103 213 7,182 SH   SOLE 0 0 0 7,182
APPLE INC COM 037833100 2,669 19,524 SH   SOLE 0 0 0 19,524
BARRICK GOLD CORP COM 067901108 309 17,455 SH   SOLE 0 0 0 17,455
BK OF AMERICA CORP COM 060505104 286 9,183 SH   SOLE 0 0 0 9,183
BOSTON SCIENTIFIC CORP COM 101137107 316 8,467 SH   SOLE 0 0 0 8,467
BRISTOL-MYERS SQUIBB CO COM 110122108 463 6,017 SH   SOLE 0 0 0 6,017
BROADCOM INC COM 11135F101 276 569 SH   SOLE 0 0 0 569
CHEVRON CORP NEW COM 166764100 1,049 7,243 SH   SOLE 0 0 0 7,243
CME GROUP INC COM 12572Q105 412 2,011 SH   SOLE 0 0 0 2,011
COCA COLA CO COM 191216100 498 7,913 SH   SOLE 0 0 0 7,913
COLGATE PALMOLIVE CO COM 194162103 231 2,884 SH   SOLE 0 0 0 2,884
COMCAST CORP NEW CL A 20030N101 366 9,315 SH   SOLE 0 0 0 9,315
CONSTELLATION BRANDS INC CL A 21036P108 434 1,861 SH   SOLE 0 0 0 1,861
COSTCO WHSL CORP NEW COM 22160K105 740 1,543 SH   SOLE 0 0 0 1,543
CSX CORP COM 126408103 449 15,447 SH   SOLE 0 0 0 15,447
DEERE & CO COM 244199105 483 1,613 SH   SOLE 0 0 0 1,613
DELL TECHNOLOGIES INC CL C 24703L202 215 4,650 SH   SOLE 0 0 0 4,650
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 2,559 121,568 SH   SOLE 0 0 0 121,568
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 2,279 109,397 SH   SOLE 0 0 0 109,397
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 438 13,867 SH   SOLE 0 0 0 13,867
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 461 10,569 SH   SOLE 0 0 0 10,569
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 3,542 73,690 SH   SOLE 0 0 0 73,690
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 1,644 68,097 SH   SOLE 0 0 0 68,097
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 2,214 95,600 SH   SOLE 0 0 0 95,600
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 732 31,431 SH   SOLE 0 0 0 31,431
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 228 5,658 SH   SOLE 0 0 0 5,658
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 645 22,314 SH   SOLE 0 0 0 22,314
EATON CORP PLC SHS G29183103 267 2,120 SH   SOLE 0 0 0 2,120
ENTERPRISE PRODS PARTNERS L COM 293792107 219 9,000 SH   SOLE 0 0 0 9,000
EOG RES INC COM 26875P101 359 3,253 SH   SOLE 0 0 0 3,253
GILEAD SCIENCES INC COM 375558103 328 5,303 SH   SOLE 0 0 0 5,303
GLOBAL X FDS US PFD ETF 37954Y657 8,391 395,602 SH   SOLE 0 0 0 395,602
GSK PLC SPONSORED ADR 37733W105 214 4,918 SH   SOLE 0 0 0 4,918
HOME DEPOT INC COM 437076102 887 3,236 SH   SOLE 0 0 0 3,236
HONEYWELL INTL INC COM 438516106 473 2,724 SH   SOLE 0 0 0 2,724
HP INC COM 40434L105 1,164 35,515 SH   SOLE 0 0 0 35,515
INTERNATIONAL BUSINESS MACHS COM 459200101 696 4,929 SH   SOLE 0 0 0 4,929
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 123 10,000 SH   SOLE 0 0 0 10,000
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 470 23,200 SH   SOLE 0 0 0 23,200
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362 221 5,000 SH   SOLE 0 0 0 5,000
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 930 43,903 SH   SOLE 0 0 0 43,903
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 663 31,631 SH   SOLE 0 0 0 31,631
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 HY 46138J874 5,782 262,202 SH   SOLE 0 0 0 262,202
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 203 9,787 SH   SOLE 0 0 0 9,787
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 HY 46138J833 1,418 65,090 SH   SOLE 0 0 0 65,090
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 HY 46138J858 5,013 218,540 SH   SOLE 0 0 0 218,540
ISHARES TR MSCI INTL VLU FT 46435G409 297 13,379 SH   SOLE 0 0 0 13,379
ISHARES TR EXPONENTIAL TECH 46434V381 226 4,713 SH   SOLE 0 0 0 4,713
ISHARES TR MSCI USA QLT FCT 46432F339 628 5,617 SH   SOLE 0 0 0 5,617
ISHARES TR 0-5YR INVT GR CP 46434V100 2,020 41,675 SH   SOLE 0 0 0 41,675
ISHARES TR CORE HIGH DV ETF 46429B663 2,147 21,375 SH   SOLE 0 0 0 21,375
ISHARES TR SHRT NAT MUN ETF 464288158 4,150 39,650 SH   SOLE 0 0 0 39,650
ISHARES TR EAFE SML CP ETF 464288273 453 8,307 SH   SOLE 0 0 0 8,307
ISHARES TR EAFE VALUE ETF 464288877 2,272 52,342 SH   SOLE 0 0 0 52,342
ISHARES TR EAFE GRWTH ETF 464288885 793 9,850 SH   SOLE 0 0 0 9,850
ISHARES TR PFD AND INCM SEC 464288687 5,124 155,825 SH   SOLE 0 0 0 155,825
ISHARES TR INTL SEL DIV ETF 464288448 1,959 72,110 SH   SOLE 0 0 0 72,110
ISHARES TR U.S. TECH ETF 464287721 247 3,085 SH   SOLE 0 0 0 3,085
ISHARES TR MSCI EAFE ETF 464287465 895 14,318 SH   SOLE 0 0 0 14,318
ISHARES TR CORE S&P MCP ETF 464287507 814 3,597 SH   SOLE 0 0 0 3,597
ISHARES TR S&P MC 400VL ETF 464287705 502 5,315 SH   SOLE 0 0 0 5,315
ISHARES TR CORE S&P SCP ETF 464287804 722 7,818 SH   SOLE 0 0 0 7,818
ISHARES TR CORE S&P500 ETF 464287200 2,756 7,268 SH   SOLE 0 0 0 7,268
ISHARES TR RUSSELL 2000 ETF 464287655 1,323 7,810 SH   SOLE 0 0 0 7,810
ISHARES TR MSCI EMG MKT ETF 464287234 339 8,444 SH   SOLE 0 0 0 8,444
ISHARES TR SELECT DIVID ETF 464287168 362 3,078 SH   SOLE 0 0 0 3,078
ISHARES U S ETF TR INT RT HDG C B 46431W705 1,356 15,020 SH   SOLE 0 0 0 15,020
ISHARES U S ETF TR INT RT HD LONG 46431W812 1,046 45,360 SH   SOLE 0 0 0 45,360
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 313 6,248 SH   SOLE 0 0 0 6,248
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 6,226 122,914 SH   SOLE 0 0 0 122,914
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274 947 20,381 SH   SOLE 0 0 0 20,381
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 277 5,000 SH   SOLE 0 0 0 5,000
JOHNSON & JOHNSON COM 478160104 887 4,996 SH   SOLE 0 0 0 4,996
JPMORGAN CHASE & CO COM 46625H100 992 8,813 SH   SOLE 0 0 0 8,813
KELLOGG CO COM 487836108 236 3,303 SH   SOLE 0 0 0 3,303
LAM RESEARCH CORP COM 512807108 242 568 SH   SOLE 0 0 0 568
LILLY ELI & CO COM 532457108 524 1,617 SH   SOLE 0 0 0 1,617
LOCKHEED MARTIN CORP COM 539830109 355 825 SH   SOLE 0 0 0 825
M & T BK CORP COM 55261F104 358 2,247 SH   SOLE 0 0 0 2,247
MASTERCARD INCORPORATED CL A 57636Q104 233 740 SH   SOLE 0 0 0 740
MEDICAL PPTYS TRUST INC COM 58463J304 779 51,025 SH   SOLE 0 0 0 51,025
MERCK & CO INC COM 58933Y105 604 6,623 SH   SOLE 0 0 0 6,623
META PLATFORMS INC CL A 30303M102 392 2,428 SH   SOLE 0 0 0 2,428
MICROSOFT CORP COM 594918104 2,599 10,121 SH   SOLE 0 0 0 10,121
MOODYS CORP COM 615369105 214 788 SH   SOLE 0 0 0 788
NEWMONT CORP COM 651639106 1,514 25,369 SH   SOLE 0 0 0 25,369
NEXTERA ENERGY INC COM 65339F101 288 3,721 SH   SOLE 0 0 0 3,721
NIKE INC CL B 654106103 301 2,948 SH   SOLE 0 0 0 2,948
NVIDIA CORPORATION COM 67066G104 781 5,152 SH   SOLE 0 0 0 5,152
OTIS WORLDWIDE CORP COM 68902V107 301 4,255 SH   SOLE 0 0 0 4,255
PARAMOUNT GLOBAL CLASS B COM 92556H206 308 12,473 SH   SOLE 0 0 0 12,473
PATTERSON COS INC COM 703395103 533 17,597 SH   SOLE 0 0 0 17,597
PEPSICO INC COM 713448108 246 1,477 SH   SOLE 0 0 0 1,477
PFIZER INC COM 717081103 1,037 19,773 SH   SOLE 0 0 0 19,773
PGIM ETF TR PGIM ULTRA SH BD 69344A107 4,322 88,069 SH   SOLE 0 0 0 88,069
PNC FINL SVCS GROUP INC COM 693475105 279 1,766 SH   SOLE 0 0 0 1,766
PROCTER AND GAMBLE CO COM 742718109 523 3,639 SH   SOLE 0 0 0 3,639
QUALCOMM INC COM 747525103 708 5,541 SH   SOLE 0 0 0 5,541
RAYMOND JAMES FINL INC COM 754730109 238 2,658 SH   SOLE 0 0 0 2,658
REGENERON PHARMACEUTICALS COM 75886F107 281 476 SH   SOLE 0 0 0 476
S&P GLOBAL INC COM 78409V104 213 631 SH   SOLE 0 0 0 631
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,060 28,759 SH   SOLE 0 0 0 28,759
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 2,621 86,205 SH   SOLE 0 0 0 86,205
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 3,425 75,685 SH   SOLE 0 0 0 75,685
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 235 9,070 SH   SOLE 0 0 0 9,070
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 3,974 140,362 SH   SOLE 0 0 0 140,362
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 403 7,921 SH   SOLE 0 0 0 7,921
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 321 10,208 SH   SOLE 0 0 0 10,208
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,460 32,689 SH   SOLE 0 0 0 32,689
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,934 49,606 SH   SOLE 0 0 0 49,606
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 365 6,289 SH   SOLE 0 0 0 6,289
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,322 37,012 SH   SOLE 0 0 0 37,012
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,198 38,376 SH   SOLE 0 0 0 38,376
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 461 18,160 SH   SOLE 0 0 0 18,160
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 518 16,475 SH   SOLE 0 0 0 16,475
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 761 10,847 SH   SOLE 0 0 0 10,847
SIRIUS XM HOLDINGS INC COM 82968B103 272 44,341 SH   SOLE 0 0 0 44,341
SORRENTO THERAPEUTICS INC COM NEW 83587F202 198 98,745 SH   SOLE 0 0 0 98,745
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,486 14,541 SH   SOLE 0 0 0 14,541
SPDR SER TR S&P 600 SMCP VAL 78464A300 3,928 54,247 SH   SOLE 0 0 0 54,247
SPDR SER TR BLOOMBERG EMERGI 78464A391 1,003 49,027 SH   SOLE 0 0 0 49,027
SPDR SER TR S&P DIVID ETF 78464A763 718 6,048 SH   SOLE 0 0 0 6,048
SPDR SER TR S&P BIOTECH 78464A870 216 2,910 SH   SOLE 0 0 0 2,910
TEXAS PACIFIC LAND CORPORATI COM 88262P102 2,832 1,903 SH   SOLE 0 0 0 1,903
TRUIST FINL CORP COM 89832Q109 404 8,518 SH   SOLE 0 0 0 8,518
UNITED RENTALS INC COM 911363109 358 1,475 SH   SOLE 0 0 0 1,475
UNITEDHEALTH GROUP INC COM 91324P102 1,072 2,087 SH   SOLE 0 0 0 2,087
VALERO ENERGY CORP COM 91913Y100 615 5,790 SH   SOLE 0 0 0 5,790
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 302 5,600 SH   SOLE 0 0 0 5,600
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 3,725 152,152 SH   SOLE 0 0 0 152,152
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 352 2,296 SH   SOLE 0 0 0 2,296
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,793 10,934 SH   SOLE 0 0 0 10,934
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 465 2,650 SH   SOLE 0 0 0 2,650
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 625 4,825 SH   SOLE 0 0 0 4,825
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,906 10,825 SH   SOLE 0 0 0 10,825
VANGUARD INDEX FDS GROWTH ETF 922908736 1,511 6,778 SH   SOLE 0 0 0 6,778
VANGUARD INDEX FDS MID CAP ETF 922908629 1,056 5,363 SH   SOLE 0 0 0 5,363
VANGUARD INDEX FDS SM CP VAL ETF 922908611 9,141 61,015 SH   SOLE 0 0 0 61,015
VANGUARD INDEX FDS VALUE ETF 922908744 8,568 64,968 SH   SOLE 0 0 0 64,968
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 527 8,305 SH   SOLE 0 0 0 8,305
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 766 7,420 SH   SOLE 0 0 0 7,420
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 1,912 36,195 SH   SOLE 0 0 0 36,195
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,218 53,265 SH   SOLE 0 0 0 53,265
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 305 6,110 SH   SOLE 0 0 0 6,110
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 1,387 24,640 SH   SOLE 0 0 0 24,640
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,486 10,358 SH   SOLE 0 0 0 10,358
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 1,089 26,684 SH   SOLE 0 0 0 26,684
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,983 19,496 SH   SOLE 0 0 0 19,496
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 1,532 26,039 SH   SOLE 0 0 0 26,039
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 3,650 53,199 SH   SOLE 0 0 0 53,199
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 655 2,881 SH   SOLE 0 0 0 2,881
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 984 6,024 SH   SOLE 0 0 0 6,024
VANGUARD WORLD FDS INF TECH ETF 92204A702 1,240 3,797 SH   SOLE 0 0 0 3,797
VANGUARD WORLD FDS MATERIALS ETF 92204A801 693 4,325 SH   SOLE 0 0 0 4,325
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 995 4,226 SH   SOLE 0 0 0 4,226
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 436 5,650 SH   SOLE 0 0 0 5,650
VANGUARD WORLD FDS UTILITIES ETF 92204A876 364 2,387 SH   SOLE 0 0 0 2,387
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 673 7,155 SH   SOLE 0 0 0 7,155
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 297 1,600 SH   SOLE 0 0 0 1,600
VISA INC COM CL A 92826C839 669 3,399 SH   SOLE 0 0 0 3,399
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 478 30,704 SH   SOLE 0 0 0 30,704
WALMART INC COM 931142103 381 3,136 SH   SOLE 0 0 0 3,136
WISDOMTREE TR INTL SMCAP DIV 97717W760 1,196 20,491 SH   SOLE 0 0 0 20,491
YORK WTR CO COM 987184108 580 14,347 SH   SOLE 0 0 0 14,347