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
AFLAC INC COM 001055102 605 9,396 SH   SOLE   0 0 9,396
AT&T INC COM 00206R102 617 26,129 SH   SOLE   0 0 26,129
ABBOTT LABS COM 002824100 565 4,771 SH   SOLE   0 0 4,771
ABBVIE INC COM 00287Y109 712 4,393 SH   SOLE   0 0 4,393
ALPHABET INC CAP STK CL C 02079K107 9,671 3,463 SH   SOLE   0 0 3,463
ALPHABET INC CAP STK CL A 02079K305 3,405 1,224 SH   SOLE   0 0 1,224
ALTRIA GROUP INC COM 02209S103 299 5,722 SH   SOLE   0 0 5,722
AMAZON COM INC COM 023135106 14,020 4,301 SH   SOLE   0 0 4,301
AMERICAN ELEC PWR CO INC COM 025537101 326 3,263 SH   SOLE   0 0 3,263
AMERICAN WTR WKS CO INC NEW COM 030420103 383 2,311 SH   SOLE   0 0 2,311
AMGEN INC COM 031162100 342 1,413 SH   SOLE   0 0 1,413
APPLE INC COM 037833100 29,315 167,886 SH   SOLE   0 0 167,886
APPLIED MATLS INC COM 038222105 305 2,311 SH   SOLE   0 0 2,311
BK OF AMERICA CORP COM 060505104 806 19,542 SH   SOLE   0 0 19,542
BECTON DICKINSON & CO COM 075887109 718 2,700 SH   SOLE   0 0 2,700
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 5,725 16,223 SH   SOLE   0 0 16,223
BIOGEN INC COM 09062X103 545 2,589 SH   SOLE   0 0 2,589
BRISTOL-MYERS SQUIBB CO COM 110122108 319 4,366 SH   SOLE   0 0 4,366
CSX CORP COM 126408103 596 15,923 SH   SOLE   0 0 15,923
CVS HEALTH CORP COM 126650100 11,553 114,149 SH   SOLE   0 0 114,149
CATERPILLAR INC COM 149123101 245 1,100 SH   SOLE   0 0 1,100
CHEVRON CORP NEW COM 166764100 1,450 8,907 SH   SOLE   0 0 8,907
CISCO SYS INC COM 17275R102 397 7,128 SH   SOLE   0 0 7,128
COCA COLA CO COM 191216100 1,195 19,271 SH   SOLE   0 0 19,271
CONOCOPHILLIPS COM 20825C104 508 5,079 SH   SOLE   0 0 5,079
CORNING INC COM 219350105 223 6,050 SH   SOLE   0 0 6,050
COSTCO WHSL CORP NEW COM 22160K105 553 961 SH   SOLE   0 0 961
DAVITA INC COM 23918K108 464 4,100 SH   SOLE   0 0 4,100
DISNEY WALT CO COM 254687106 1,912 13,940 SH   SOLE   0 0 13,940
DUKE ENERGY CORP NEW COM NEW 26441C204 9,306 83,340 SH   SOLE   0 0 83,340
EOG RES INC COM 26875P101 461 3,866 SH   SOLE   0 0 3,866
EMERSON ELEC CO COM 291011104 278 2,831 SH   SOLE   0 0 2,831
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 364 32,555 SH   SOLE   0 0 32,555
EXXON MOBIL CORP COM 30231G102 15,083 182,626 SH   SOLE   0 0 182,626
META PLATFORMS INC CL A 30303M102 2,594 11,664 SH   SOLE   0 0 11,664
FIRSTSERVICE CORP NEW COM 33767E202 2,004 13,835 SH   SOLE   0 0 13,835
GENERAL ELECTRIC CO COM NEW 369604301 301 3,292 SH   SOLE   0 0 3,292
GENERAL MLS INC COM 370334104 205 3,031 SH   SOLE   0 0 3,031
GENERAL MTRS CO COM 37045V100 1,549 35,423 SH   SOLE   0 0 35,423
GOLDMAN SACHS GROUP INC COM 38141G104 284 860 SH   SOLE   0 0 860
HP INC COM 40434L105 380 10,479 SH   SOLE   0 0 10,479
HERSHEY CO COM 427866108 585 2,700 SH   SOLE   0 0 2,700
HEWLETT PACKARD ENTERPRISE C COM 42824C109 175 10,487 SH   SOLE   0 0 10,487
HOME DEPOT INC COM 437076102 5,276 17,626 SH   SOLE   0 0 17,626
HONEYWELL INTL INC COM 438516106 3,081 15,833 SH   SOLE   0 0 15,833
INTEL CORP COM 458140100 5,169 104,296 SH   SOLE   0 0 104,296
INVESCO QQQ TR UNIT SER 1 46090E103 709 1,955 SH   SOLE   0 0 1,955
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 325 2,060 SH   SOLE   0 0 2,060
INVESCO EXCHANGE TRADED FD T FINL PFD ETF 46137V621 17,913 1,058,660 SH   SOLE   0 0 1,058,660
ISHARES TR CORE S&P TTL STK 464287150 645 6,391 SH   SOLE   0 0 6,391
ISHARES TR CORE S&P500 ETF 464287200 338 744 SH   SOLE   0 0 744
ISHARES TR CORE US AGGBD ET 464287226 255 2,385 SH   SOLE   0 0 2,385
ISHARES TR RUS MID CAP ETF 464287499 456 5,843 SH   SOLE   0 0 5,843
ISHARES TR CORE S&P MCP ETF 464287507 315 1,174 SH   SOLE   0 0 1,174
ISHARES TR RUS 1000 ETF 464287622 273 1,090 SH   SOLE   0 0 1,090
ISHARES TR RUSSELL 2000 ETF 464287655 346 1,688 SH   SOLE   0 0 1,688
ISHARES TR RUSSELL 3000 ETF 464287689 2,081 7,931 SH   SOLE   0 0 7,931
ISHARES TR SHRT NAT MUN ETF 464288158 1,119 10,700 SH   SOLE   0 0 10,700
ISHARES TR NATIONAL MUN ETF 464288414 1,478 13,481 SH   SOLE   0 0 13,481
ISHARES SILVER TR ISHARES 46428Q109 204 8,925 SH   SOLE   0 0 8,925
ISHARES TR CORE HIGH DV ETF 46429B663 626 5,855 SH   SOLE   0 0 5,855
ISHARES TR MSCI USA MIN VOL 46429B697 39,419 508,171 SH   SOLE   0 0 508,171
ISHARES TR 0-5 YR TIPS ETF 46429B747 12,774 121,725 SH   SOLE   0 0 121,725
ISHARES TR MSCI USA QLT FCT 46432F339 12,341 91,665 SH   SOLE   0 0 91,665
ISHARES TR MSCI USA MMENTM 46432F396 961 5,710 SH   SOLE   0 0 5,710
JPMORGAN CHASE & CO COM 46625H100 9,873 72,428 SH   SOLE   0 0 72,428
J P MORGAN EXCHANGE-TRADED F US AGGREGATE ETF 46641Q241 20,722 410,252 SH   SOLE   0 0 410,252
JOHNSON & JOHNSON COM 478160104 4,192 23,655 SH   SOLE   0 0 23,655
KIMBERLY-CLARK CORP COM 494368103 321 2,606 SH   SOLE   0 0 2,606
KIMCO RLTY CORP COM 49446R109 13,061 528,789 SH   SOLE   0 0 528,789
LILLY ELI & CO COM 532457108 1,881 6,567 SH   SOLE   0 0 6,567
LOCKHEED MARTIN CORP COM 539830109 1,116 2,529 SH   SOLE   0 0 2,529
LOWES COS INC COM 548661107 264 1,306 SH   SOLE   0 0 1,306
MASTERCARD INCORPORATED CL A 57636Q104 9,320 26,077 SH   SOLE   0 0 26,077
MCDONALDS CORP COM 580135101 2,618 10,587 SH   SOLE   0 0 10,587
MERCK & CO INC COM 58933Y105 8,797 107,216 SH   SOLE   0 0 107,216
MICROSOFT CORP COM 594918104 21,038 68,238 SH   SOLE   0 0 68,238
NETFLIX INC COM 64110L106 412 1,100 SH   SOLE   0 0 1,100
NEW MTN FIN CORP COM 647551100 158 11,390 SH   SOLE   0 0 11,390
NEXTERA ENERGY INC COM 65339F101 681 8,043 SH   SOLE   0 0 8,043
NVIDIA CORPORATION COM 67066G104 481 1,764 SH   SOLE   0 0 1,764
ODYSSEY MARINE EXPL INC COM NEW 676118201 308 46,289 SH   SOLE   0 0 46,289
ORACLE CORP COM 68389X105 242 2,925 SH   SOLE   0 0 2,925
PNC FINL SVCS GROUP INC COM 693475105 1,511 8,194 SH   SOLE   0 0 8,194
PAYPAL HLDGS INC COM 70450Y103 304 2,627 SH   SOLE   0 0 2,627
PEPSICO INC COM 713448108 6,060 36,204 SH   SOLE   0 0 36,204
PFIZER INC COM 717081103 3,192 61,658 SH   SOLE   0 0 61,658
PHILIP MORRIS INTL INC COM 718172109 202 2,148 SH   SOLE   0 0 2,148
PROCTER AND GAMBLE CO COM 742718109 9,335 61,090 SH   SOLE   0 0 61,090
QUALCOMM INC COM 747525103 213 1,397 SH   SOLE   0 0 1,397
RLI CORP COM 749607107 688 6,218 SH   SOLE   0 0 6,218
RAYTHEON TECHNOLOGIES CORP COM 75513E101 4,190 42,290 SH   SOLE   0 0 42,290
SPDR S&P 500 ETF TR TR UNIT 78462F103 979 2,167 SH   SOLE   0 0 2,167
SPDR GOLD TR GOLD SHS 78463V107 12,004 66,447 SH   SOLE   0 0 66,447
SPDR SER TR PORTFOLI S&P1500 78464A805 47,187 848,988 SH   SOLE   0 0 848,988
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 39,943 888,405 SH   SOLE   0 0 888,405
SALESFORCE COM INC COM 79466L302 1,890 8,904 SH   SOLE   0 0 8,904
SCHWAB STRATEGIC TR US TIPS ETF 808524870 210 3,463 SH   SOLE   0 0 3,463
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 283 2,063 SH   SOLE   0 0 2,063
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 301 3,972 SH   SOLE   0 0 3,972
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 20,418 128,469 SH   SOLE   0 0 128,469
SOUTHERN CO COM 842587107 1,001 13,804 SH   SOLE   0 0 13,804
SOUTHWEST AIRLS CO COM 844741108 1,067 23,288 SH   SOLE   0 0 23,288
STARBUCKS CORP COM 855244109 206 2,262 SH   SOLE   0 0 2,262
STRYKER CORPORATION COM 863667101 251 937 SH   SOLE   0 0 937
TESLA INC COM 88160R101 703 652 SH   SOLE   0 0 652
THERMO FISHER SCIENTIFIC INC COM 883556102 721 1,221 SH   SOLE   0 0 1,221
3M CO COM 88579Y101 4,233 28,430 SH   SOLE   0 0 28,430
US BANCORP DEL COM NEW 902973304 255 4,807 SH   SOLE   0 0 4,807
UNION PAC CORP COM 907818108 861 3,153 SH   SOLE   0 0 3,153
UNITEDHEALTH GROUP INC COM 91324P102 1,191 2,335 SH   SOLE   0 0 2,335
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 408 8,489 SH   SOLE   0 0 8,489
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 14,782 211,591 SH   SOLE   0 0 211,591
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 27,290 473,867 SH   SOLE   0 0 473,867
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 18,744 240,028 SH   SOLE   0 0 240,028
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 471 2,308 SH   SOLE   0 0 2,308
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,044 20,250 SH   SOLE   0 0 20,250
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,472 5,953 SH   SOLE   0 0 5,953
VANGUARD INDEX FDS SM CP VAL ETF 922908611 13,403 76,182 SH   SOLE   0 0 76,182
VANGUARD INDEX FDS MID CAP ETF 922908629 204 857 SH   SOLE   0 0 857
VANGUARD INDEX FDS VALUE ETF 922908744 205 1,390 SH   SOLE   0 0 1,390
VANGUARD INDEX FDS TOTAL STK MKT 922908769 541 2,376 SH   SOLE   0 0 2,376
VERIZON COMMUNICATIONS INC COM 92343V104 6,456 126,733 SH   SOLE   0 0 126,733
VISA INC COM CL A 92826C839 1,875 8,457 SH   SOLE   0 0 8,457
WALMART INC COM 931142103 2,651 17,804 SH   SOLE   0 0 17,804
WELLTOWER INC COM 95040Q104 448 4,658 SH   SOLE   0 0 4,658
WENDYS CO COM 95058W100 233 10,586 SH   SOLE   0 0 10,586