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 428 3,039 SH   SOLE 0 0 0 3,039
ABBVIE INC COM 00287Y109 218 1,611 SH   SOLE 0 0 0 1,611
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 349 843 SH   SOLE 0 0 0 843
ADOBE SYSTEMS INCORPORATED COM 00724F101 2,186 3,855 SH   SOLE 0 0 0 3,855
AGNICO EAGLE MINES LTD COM 008474108 219 4,122 SH   SOLE 0 0 0 4,122
AIRBNB INC COM CL A 009066101 218 1,307 SH   SOLE 0 0 0 1,307
ALCON AG ORD SHS H01301128 314 3,600 SH   SOLE 0 0 0 3,600
ALPHABET INC CAP STK CL C 02079K107 634 219 SH   SOLE 0 0 0 219
ALPHABET INC CAP STK CL A 02079K305 275 95 SH   SOLE 0 0 0 95
AMAZON COM INC COM 023135106 854 256 SH   SOLE 0 0 0 256
AMGEN INC COM 031162100 261 1,160 SH   SOLE 0 0 0 1,160
ASML HOLDING N V N Y REGISTRY SHS N07059210 370 465 SH   SOLE 0 0 0 465
AUTODESK INC COM 052769106 263 937 SH   SOLE 0 0 0 937
BECTON DICKINSON & CO COM 075887109 214 849 SH   SOLE 0 0 0 849
BROADMARK RLTY CAP INC COM 11135B100 144 15,292 SH   SOLE 0 0 0 15,292
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 222 3,683 SH   SOLE 0 0 0 3,683
CANADIAN PAC RY LTD COM 13645T100 207 2,881 SH   SOLE 0 0 0 2,881
CHEVRON CORP NEW COM 166764100 257 2,190 SH   SOLE 0 0 0 2,190
CISCO SYS INC COM 17275R102 273 4,308 SH   SOLE 0 0 0 4,308
CLOUDFLARE INC CL A COM 18915M107 1,963 14,927 SH   SOLE 0 0 0 14,927
COCA COLA CO COM 191216100 495 8,353 SH   SOLE 0 0 0 8,353
COMCAST CORP NEW CL A 20030N101 225 4,467 SH   SOLE 0 0 0 4,467
CRH PLC ADR 12626K203 201 3,815 SH   SOLE 0 0 0 3,815
CVS HEALTH CORP COM 126650100 239 2,316 SH   SOLE 0 0 0 2,316
DANAHER CORPORATION COM 235851102 201 611 SH   SOLE 0 0 0 611
DIAGEO PLC SPON ADR NEW 25243Q205 242 1,099 SH   SOLE 0 0 0 1,099
DOMINION ENERGY INC COM 25746U109 222 2,828 SH   SOLE 0 0 0 2,828
DUKE ENERGY CORP NEW COM NEW 26441C204 222 2,119 SH   SOLE 0 0 0 2,119
ENBRIDGE INC COM 29250N105 218 5,581 SH   SOLE 0 0 0 5,581
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 1,565 45,088 SH   SOLE 0 0 0 45,088
GARTNER INC COM 366651107 231 692 SH   SOLE 0 0 0 692
ICON PLC SHS G4705A100 294 950 SH   SOLE 0 0 0 950
INTERNATIONAL BUSINESS MACHS COM 459200101 241 1,805 SH   SOLE 0 0 0 1,805
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 1,331 62,037 SH   SOLE 0 0 0 62,037
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 HY 46138J874 4,503 193,850 SH   SOLE 0 0 0 193,850
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 1,090 49,915 SH   SOLE 0 0 0 49,915
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 11,575 541,150 SH   SOLE 0 0 0 541,150
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 HY 46138J858 1,712 67,714 SH   SOLE 0 0 0 67,714
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 421 19,225 SH   SOLE 0 0 0 19,225
ISHARES TR CORE INTL AGGR 46435G672 268 4,920 SH   SOLE 0 0 0 4,920
ISHARES TR 0-5YR HI YL CP 46434V407 6,880 151,875 SH   SOLE 0 0 0 151,464
ISHARES TR BLACKROCK ULTRA 46434V878 205 4,077 SH   SOLE 0 0 0 4,077
ISHARES TR ESG AWR US AGRGT 46435U549 616 11,161 SH   SOLE 0 0 0 11,161
ISHARES TR GBL GREEN ETF 46435U440 848 15,621 SH   SOLE 0 0 0 15,621
ISHARES TR IBONDS DEC23 ETF 46434VAX8 320 12,447 SH   SOLE 0 0 0 12,447
ISHARES TR IBONDS DEC22 ETF 46434VBA7 362 14,405 SH   SOLE 0 0 0 14,405
ISHARES TR MSCI EAFE MIN VL 46429B689 1,024 13,344 SH   SOLE 0 0 0 13,344
ISHARES TR U.S. TECH ETF 464287721 257 2,242 SH   SOLE 0 0 0 2,242
ISHARES TR CORE S&P MCP ETF 464287507 307 1,086 SH   SOLE 0 0 0 1,086
ISHARES TR CORE S&P SCP ETF 464287804 1,030 8,990 SH   SOLE 0 0 0 8,985
ISHARES TR RUS 1000 ETF 464287622 2,120 8,017 SH   SOLE 0 0 0 8,017
ISHARES TR RUS 1000 GRW ETF 464287614 393 1,286 SH   SOLE 0 0 0 1,286
ISHARES TR RUSSELL 3000 ETF 464287689 207 745 SH   SOLE 0 0 0 745
ISHARES TR RUS 2000 GRW ETF 464287648 384 1,312 SH   SOLE 0 0 0 1,312
ISHARES TR MSCI EAFE ETF 464287465 486 6,172 SH   SOLE 0 0 0 6,172
ISHARES TR S&P 100 ETF 464287101 284 1,298 SH   SOLE 0 0 0 1,298
ISHARES TR CORE US AGGBD ET 464287226 5,241 45,943 SH   SOLE 0 0 0 45,381
ISHARES TR MORNINGSTAR GRWT 464287119 710 9,881 SH   SOLE 0 0 0 9,881
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 990 19,619 SH   SOLE 0 0 0 19,619
JOHNSON & JOHNSON COM 478160104 359 2,099 SH   SOLE 0 0 0 2,099
JPMORGAN CHASE & CO COM 46625H100 215 1,355 SH   SOLE 0 0 0 1,355
LINDE PLC SHS G5494J103 260 751 SH   SOLE 0 0 0 751
LOCKHEED MARTIN CORP COM 539830109 220 620 SH   SOLE 0 0 0 620
MASTERCARD INCORPORATED CL A 57636Q104 385 1,072 SH   SOLE 0 0 0 1,072
MCDONALDS CORP COM 580135101 335 1,248 SH   SOLE 0 0 0 1,248
MEDTRONIC PLC SHS G5960L103 297 2,869 SH   SOLE 0 0 0 2,869
META PLATFORMS INC CL A 30303M102 569 1,693 SH   SOLE 0 0 0 1,693
MICROSOFT CORP COM 594918104 1,254 3,728 SH   SOLE 0 0 0 3,728
NETFLIX INC COM 64110L106 221 367 SH   SOLE 0 0 0 367
NOVO-NORDISK A S ADR 670100205 246 2,195 SH   SOLE 0 0 0 2,195
NUSHARES ETF TR ESG HI TLD CRP 67092P854 374 15,344 SH   SOLE 0 0 0 15,344
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 398 9,482 SH   SOLE 0 0 0 9,482
NUTRIEN LTD COM 67077M108 208 2,760 SH   SOLE 0 0 0 2,760
PAYPAL HLDGS INC COM 70450Y103 253 1,343 SH   SOLE 0 0 0 1,343
PEPSICO INC COM 713448108 229 1,318 SH   SOLE 0 0 0 1,318
PFIZER INC COM 717081103 489 8,279 SH   SOLE 0 0 0 8,279
PHILIP MORRIS INTL INC COM 718172109 285 3,004 SH   SOLE 0 0 0 3,004
PROCTER AND GAMBLE CO COM 742718109 494 3,020 SH   SOLE 0 0 0 3,020
QUALCOMM INC COM 747525103 348 1,902 SH   SOLE 0 0 0 1,902
RAYTHEON TECHNOLOGIES CORP COM 75513E101 376 4,365 SH   SOLE 0 0 0 4,365
ROYAL DUTCH SHELL PLC SPON ADR B 780259107 248 5,721 SH   SOLE 0 0 0 5,721
SALESFORCE COM INC COM 79466L302 367 1,445 SH   SOLE 0 0 0 1,445
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 270 2,634 SH   SOLE 0 0 0 2,634
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,163 7,097 SH   SOLE 0 0 0 6,923
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 842 11,502 SH   SOLE 0 0 0 11,502
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 748 25,255 SH   SOLE 0 0 0 25,255
SCHWAB STRATEGIC TR US REIT ETF 808524847 443 8,413 SH   SOLE 0 0 0 8,413
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,786 34,642 SH   SOLE 0 0 0 34,409
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 3,752 69,606 SH   SOLE 0 0 0 69,606
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 7,235 89,502 SH   SOLE 0 0 0 88,043
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7,817 201,115 SH   SOLE 0 0 0 201,115
SERVICENOW INC COM 81762P102 291 449 SH   SOLE 0 0 0 449
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 1,506 41,277 SH   SOLE 0 0 0 41,277
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2,044 49,251 SH   SOLE 0 0 0 48,652
SPDR S&P 500 ETF TR TR UNIT 78462F103 412 867 SH   SOLE 0 0 0 867
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,103 2,130 SH   SOLE 0 0 0 2,130
SPDR SER TR S&P 600 SMCP VAL 78464A300 1,911 22,564 SH   SOLE 0 0 0 22,417
SPDR SER TR S&P 600 SMCP GRW 78464A201 3,636 39,173 SH   SOLE 0 0 0 39,030
TE CONNECTIVITY LTD SHS H84989104 237 1,467 SH   SOLE 0 0 0 1,467
TRUIST FINL CORP COM 89832Q109 227 3,885 SH   SOLE 0 0 0 3,885
UNITEDHEALTH GROUP INC COM 91324P102 275 547 SH   SOLE 0 0 0 547
US BANCORP DEL COM NEW 902973304 399 7,108 SH   SOLE 0 0 0 7,108
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 212 6,425 SH   SOLE 0 0 0 6,425
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 416 5,144 SH   SOLE 0 0 0 5,144
VANGUARD BD INDEX FDS INTERMED TERM 921937819 2,435 27,789 SH   SOLE 0 0 0 27,789
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 12,011 217,756 SH   SOLE 0 0 0 217,042
VANGUARD INDEX FDS VALUE ETF 922908744 1,559 10,597 SH   SOLE 0 0 0 10,597
VANGUARD INDEX FDS MID CAP ETF 922908629 566 2,223 SH   SOLE 0 0 0 2,223
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,234 12,491 SH   SOLE 0 0 0 12,491
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,293 11,146 SH   SOLE 0 0 0 11,146
VANGUARD INDEX FDS TOTAL STK MKT 922908769 492 2,039 SH   SOLE 0 0 0 2,039
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 405 8,187 SH   SOLE 0 0 0 8,187
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 698 11,398 SH   SOLE 0 0 0 11,398
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,597 19,383 SH   SOLE 0 0 0 19,334
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,029 18,743 SH   SOLE 0 0 0 18,743
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 713 8,774 SH   SOLE 0 0 0 8,774
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 12,117 154,273 SH   SOLE 0 0 0 153,119
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 512 10,031 SH   SOLE 0 0 0 10,023
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 3,095 27,608 SH   SOLE 0 0 0 27,608
VANGUARD WORLD FD ESG US STK ETF 921910733 407 4,626 SH   SOLE 0 0 0 4,626
VERIZON COMMUNICATIONS INC COM 92343V104 294 5,652 SH   SOLE 0 0 0 5,652
VISA INC COM CL A 92826C839 301 1,389 SH   SOLE 0 0 0 1,389
WALMART INC COM 931142103 213 1,470 SH   SOLE 0 0 0 1,470
WEST PHARMACEUTICAL SVSC INC COM 955306105 219 468 SH   SOLE 0 0 0 468
WISDOMTREE TR US TOTAL DIVIDND 97717W109 261 4,025 SH   SOLE 0 0 0 4,025
ZOETIS INC CL A 98978V103 343 1,404 SH   SOLE 0 0 0 1,404