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 203 1,442 SH   SOLE   0 0 1,442
ABBVIE INC COM 00287Y109 318 2,350 SH   SOLE   0 0 2,350
ADOBE SYSTEMS INCORPORATED COM 00724F101 485 855 SH   SOLE   0 0 855
ALPHABET INC CAP STK CL A 02079K305 855 295 SH   SOLE   0 0 295
ALPHABET INC CAP STK CL C 02079K107 1,748 604 SH   SOLE   0 0 604
ALTRIA GROUP INC COM 02209S103 381 8,031 SH   SOLE   0 0 8,031
AMAZON COM INC COM 023135106 1,507 452 SH   SOLE   0 0 452
AMERICAN TOWER CORP NEW COM 03027X100 601 2,054 SH   SOLE   0 0 2,054
AMPHENOL CORP NEW CL A 032095101 551 6,298 SH   SOLE   0 0 6,298
APPLE INC COM 037833100 7,388 41,604 SH   SOLE   0 0 41,604
AT&T INC COM 00206R102 432 17,544 SH   SOLE   0 0 17,544
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,304 4,362 SH   SOLE   0 0 4,362
BGC PARTNERS INC CL A 05541T101 418 89,900 SH   SOLE   0 0 89,900
BK OF AMERICA CORP COM 060505104 271 6,097 SH   SOLE   0 0 6,097
BRISTOL-MYERS SQUIBB CO COM 110122108 222 3,553 SH   SOLE   0 0 3,553
CEDAR FAIR L P DEPOSITRY UNIT 150185106 252 5,034 SH   SOLE   0 0 5,034
CHEVRON CORP NEW COM 166764100 563 4,798 SH   SOLE   0 0 4,798
CISCO SYS INC COM 17275R102 719 11,352 SH   SOLE   0 0 11,352
CLEAR CHANNEL OUTDOOR HLDGS COM 18453H106 49 14,952 SH   SOLE   0 0 14,952
CLOUDFLARE INC CL A COM 18915M107 264 2,006 SH   SOLE   0 0 2,006
COCA COLA CO COM 191216100 652 11,016 SH   SOLE   0 0 11,016
COMCAST CORP NEW CL A 20030N101 605 12,011 SH   SOLE   0 0 12,011
CONOCOPHILLIPS COM 20825C104 202 2,802 SH   SOLE   0 0 2,802
CROWN CASTLE INTL CORP NEW COM 22822V101 461 2,211 SH   SOLE   0 0 2,211
DANAHER CORPORATION COM 235851102 994 3,022 SH   SOLE   0 0 3,022
DENTSPLY SIRONA INC COM 24906P109 445 7,983 SH   SOLE   0 0 7,983
DISNEY WALT CO COM 254687106 379 2,447 SH   SOLE   0 0 2,447
DOLLAR GEN CORP NEW COM 256677105 472 2,002 SH   SOLE   0 0 2,002
DUKE ENERGY CORP NEW COM NEW 26441C204 801 7,632 SH   SOLE   0 0 7,632
ECOLAB INC COM 278865100 420 1,792 SH   SOLE   0 0 1,792
EMERSON ELEC CO COM 291011104 450 4,839 SH   SOLE   0 0 4,839
ENBRIDGE INC COM 29250N105 472 12,086 SH   SOLE   0 0 12,086
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 379 46,034 SH   SOLE   0 0 46,034
ETSY INC COM 29786A106 435 1,987 SH   SOLE   0 0 1,987
EXELON CORP COM 30161N101 239 4,140 SH   SOLE   0 0 4,140
EXXON MOBIL CORP COM 30231G102 408 6,665 SH   SOLE   0 0 6,665
FIRST HORIZON CORPORATION COM 320517105 219 13,432 SH   SOLE   0 0 13,432
FISERV INC COM 337738108 383 3,686 SH   SOLE   0 0 3,686
FORTINET INC COM 34959E109 1,015 2,824 SH   SOLE   0 0 2,824
GARTNER INC COM 366651107 390 1,168 SH   SOLE   0 0 1,168
GENERAL DYNAMICS CORP COM 369550108 360 1,726 SH   SOLE   0 0 1,726
GENERAL MLS INC COM 370334104 345 5,113 SH   SOLE   0 0 5,113
GILEAD SCIENCES INC COM 375558103 356 4,907 SH   SOLE   0 0 4,907
HOME DEPOT INC COM 437076102 611 1,473 SH   SOLE   0 0 1,473
HP INC COM 40434L105 505 13,395 SH   SOLE   0 0 13,395
IHS MARKIT LTD SHS G47567105 397 2,985 SH   SOLE   0 0 2,985
INTEL CORP COM 458140100 317 6,151 SH   SOLE   0 0 6,151
INTERCONTINENTAL EXCHANGE IN COM 45866F104 426 3,111 SH   SOLE   0 0 3,111
INTERNATIONAL BUSINESS MACHS COM 459200101 434 3,248 SH   SOLE   0 0 3,248
INTUIT COM 461202103 570 887 SH   SOLE   0 0 887
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 966 36,644 SH   SOLE   0 0 36,644
ISHARES INC CORE MSCI EMKT 46434G103 2,612 43,628 SH   SOLE   0 0 43,628
ISHARES TR CORE S&P500 ETF 464287200 1,628 3,413 SH   SOLE   0 0 3,413
ISHARES TR MSCI EAFE ETF 464287465 1,423 18,083 SH   SOLE   0 0 18,083
ISHARES TR MSCI EMG MKT ETF 464287234 859 17,592 SH   SOLE   0 0 17,592
ISHARES TR MSCI INTL QUALTY 46434V456 1,720 43,680 SH   SOLE   0 0 43,680
ISHARES TR MSCI USA QLT FCT 46432F339 58,215 399,935 SH   SOLE   0 0 399,935
ISHARES TR NATIONAL MUN ETF 464288414 706 6,072 SH   SOLE   0 0 6,072
ISHARES TR RUS 1000 ETF 464287622 359 1,359 SH   SOLE   0 0 1,359
ISHARES TR RUS 1000 GRW ETF 464287614 685 2,243 SH   SOLE   0 0 2,243
ISHARES TR RUS 1000 VAL ETF 464287598 719 4,284 SH   SOLE   0 0 4,284
ISHARES TR RUS 2000 GRW ETF 464287648 211 721 SH   SOLE   0 0 721
ISHARES TR RUSSELL 2000 ETF 464287655 727 3,268 SH   SOLE   0 0 3,268
ISHARES TR S&P 500 GRWT ETF 464287309 202 2,409 SH   SOLE   0 0 2,409
ISHARES TR SELECT DIVID ETF 464287168 343 2,795 SH   SOLE   0 0 2,795
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 669 13,106 SH   SOLE   0 0 13,106
JOHNSON & JOHNSON COM 478160104 2,567 15,005 SH   SOLE   0 0 15,005
JPMORGAN CHASE & CO COM 46625H100 657 4,147 SH   SOLE   0 0 4,147
KIMBERLY-CLARK CORP COM 494368103 369 2,579 SH   SOLE   0 0 2,579
LILLY ELI & CO COM 532457108 297 1,075 SH   SOLE   0 0 1,075
LINCOLN NATL CORP IND COM 534187109 3,533 51,751 SH   SOLE   0 0 51,751
LINDE PLC SHS G5494J103 576 1,663 SH   SOLE   0 0 1,663
LOCKHEED MARTIN CORP COM 539830109 1,421 3,997 SH   SOLE   0 0 3,997
MANHATTAN BRDG CAP INC COM 562803106 199 36,266 SH   SOLE   0 0 36,266
MARSH & MCLENNAN COS INC COM 571748102 466 2,679 SH   SOLE   0 0 2,679
MASTERCARD INCORPORATED CL A 57636Q104 674 1,875 SH   SOLE   0 0 1,875
MCDONALDS CORP COM 580135101 531 1,982 SH   SOLE   0 0 1,982
MERCK & CO INC COM 58933Y105 1,370 17,882 SH   SOLE   0 0 17,882
META PLATFORMS INC CL A 30303M102 1,138 3,384 SH   SOLE   0 0 3,384
META PLATFORMS INC CL A 30303M102 1 150,000 SH Put SOLE   0 0 150,000
MICROSOFT CORP COM 594918104 2,926 8,701 SH   SOLE   0 0 8,701
MODEL N INC COM 607525102 859 28,615 SH   SOLE   0 0 28,615
NETFLIX INC COM 64110L106 356 591 SH   SOLE   0 0 591
NEXTERA ENERGY INC COM 65339F101 510 5,460 SH   SOLE   0 0 5,460
NORTHERN TR CORP COM 665859104 347 2,903 SH   SOLE   0 0 2,903
NVIDIA CORPORATION COM 67066G104 728 2,476 SH   SOLE   0 0 2,476
ORACLE CORP COM 68389X105 404 4,629 SH   SOLE   0 0 4,629
PAYPAL HLDGS INC COM 70450Y103 214 1,134 SH   SOLE   0 0 1,134
PEMBINA PIPELINE CORP COM 706327103 492 16,208 SH   SOLE   0 0 16,208
PEPSICO INC COM 713448108 443 2,553 SH   SOLE   0 0 2,553
PFIZER INC COM 717081103 2,461 41,677 SH   SOLE   0 0 41,677
PHILIP MORRIS INTL INC COM 718172109 473 4,978 SH   SOLE   0 0 4,978
PHILLIPS 66 COM 718546104 243 3,358 SH   SOLE   0 0 3,358
PNC FINL SVCS GROUP INC COM 693475105 653 3,257 SH   SOLE   0 0 3,257
PPL CORP COM 69351T106 380 12,638 SH   SOLE   0 0 12,638
PROCTER AND GAMBLE CO COM 742718109 1,672 10,224 SH   SOLE   0 0 10,224
PROSHARES TR ONLINE RTL ETF 74347B169 266 4,690 SH   SOLE   0 0 4,690
PROSPECT CAP CORP COM 74348T102 431 51,204 SH   SOLE   0 0 51,204
PRUDENTIAL FINL INC COM 744320102 392 3,623 SH   SOLE   0 0 3,623
QORVO INC COM 74736K101 488 3,123 SH   SOLE   0 0 3,123
QUALCOMM INC COM 747525103 990 5,416 SH   SOLE   0 0 5,416
RAYTHEON TECHNOLOGIES CORP COM 75513E101 308 3,574 SH   SOLE   0 0 3,574
RIO TINTO PLC SPONSORED ADR 767204100 217 3,241 SH   SOLE   0 0 3,241
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,482 63,865 SH   SOLE   0 0 63,865
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 476 4,214 SH   SOLE   0 0 4,214
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 294 3,636 SH   SOLE   0 0 3,636
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 75,746 462,573 SH   SOLE   0 0 462,573
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,347 32,049 SH   SOLE   0 0 32,049
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 519 4,561 SH   SOLE   0 0 4,561
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 250 3,108 SH   SOLE   0 0 3,108
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,019 9,952 SH   SOLE   0 0 9,952
SEI INVTS CO COM 784117103 5,485 90,009 SH   SOLE   0 0 90,009
SITEONE LANDSCAPE SUPPLY INC COM 82982L103 277 1,143 SH   SOLE   0 0 1,143
SNOWFLAKE INC CL A 833445109 518 1,530 SH   SOLE   0 0 1,530
SORRENTO THERAPEUTICS INC COM NEW 83587F202 52 11,146 SH   SOLE   0 0 11,146
SOUTHERN CO COM 842587107 334 4,871 SH   SOLE   0 0 4,871
SPDR S&P 500 ETF TR TR UNIT 78462F103 7,908 16,650 SH   SOLE   0 0 16,650
SPDR SER TR NUVEEN BLMBRG MU 78468R721 594 11,484 SH   SOLE   0 0 11,484
SPDR SER TR NUVEEN BLOOMBERG 78464A284 11,600 193,083 SH   SOLE   0 0 193,083
TESLA INC COM 88160R101 1,712 1,620 SH   SOLE   0 0 1,620
THERMO FISHER SCIENTIFIC INC COM 883556102 1,022 1,532 SH   SOLE   0 0 1,532
TJX COS INC NEW COM 872540109 548 7,216 SH   SOLE   0 0 7,216
UNITED PARCEL SERVICE INC CL B 911312106 479 2,236 SH   SOLE   0 0 2,236
UNITEDHEALTH GROUP INC COM 91324P102 485 965 SH   SOLE   0 0 965
US BANCORP DEL COM NEW 902973304 516 9,186 SH   SOLE   0 0 9,186
VANGUARD INDEX FDS GROWTH ETF 922908736 2,488 7,752 SH   SOLE   0 0 7,752
VANGUARD INDEX FDS LARGE CAP ETF 922908637 205 928 SH   SOLE   0 0 928
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,040 6,963 SH   SOLE   0 0 6,963
VANGUARD INDEX FDS SM CP VAL ETF 922908611 229 1,278 SH   SOLE   0 0 1,278
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,005 8,870 SH   SOLE   0 0 8,870
VANGUARD INDEX FDS SML CP GRW ETF 922908595 399 1,417 SH   SOLE   0 0 1,417
VANGUARD INDEX FDS VALUE ETF 922908744 15,743 107,014 SH   SOLE   0 0 107,014
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,566 51,883 SH   SOLE   0 0 51,883
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,395 25,414 SH   SOLE   0 0 25,414
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 9,187 41,979 SH   SOLE   0 0 41,979
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 500 2,910 SH   SOLE   0 0 2,910
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,218 23,849 SH   SOLE   0 0 23,849
VANGUARD WORLD FD ESG INTL STK ETF 921910725 210 3,392 SH   SOLE   0 0 3,392
VERISK ANALYTICS INC COM 92345Y106 520 2,273 SH   SOLE   0 0 2,273
VERIZON COMMUNICATIONS INC COM 92343V104 488 9,399 SH   SOLE   0 0 9,399
VISA INC COM CL A 92826C839 951 4,388 SH   SOLE   0 0 4,388
WALGREENS BOOTS ALLIANCE INC COM 931427108 350 6,718 SH   SOLE   0 0 6,718
WESTERN ASSET EMERGING MKTS COM 95766A101 269 21,015 SH   SOLE   0 0 21,015
WP CAREY INC COM 92936U109 312 3,807 SH   SOLE   0 0 3,807
XYLEM INC COM 98419M100 349 2,913 SH   SOLE   0 0 2,913
ZOETIS INC CL A 98978V103 735 3,011 SH   SOLE   0 0 3,011