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
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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
ABBVIE INC COM 00287Y109   782,877 5,252 SH   SOLE   5,252 0 0
ADVENT CONV & INCOME FD COM 00764C109   626,190 59,694 SH   SOLE   59,694 0 0
AIR PRODS & CHEMS INC COM 009158106   307,634 1,086 SH   SOLE   1,086 0 0
AMAZON COM INC COM 023135106   307,630 2,420 SH   SOLE   2,420 0 0
AMGEN INC COM 031162100   370,560 1,379 SH   SOLE   1,379 0 0
APPLE INC COM 037833100   2,593,373 15,147 SH   SOLE   15,147 0 0
ARMSTRONG WORLD INDS INC NEW COM 04247X102   588,456 8,173 SH   SOLE   8,173 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   211,116 878 SH   SOLE   878 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   327,881 936 SH   SOLE   936 0 0
BLACKROCK DEBT STRATEGIES FD COM NEW 09255R202   752,947 73,315 SH   SOLE   73,315 0 0
BLACKSTONE INC COM 09260D107   521,907 4,871 SH   SOLE   4,871 0 0
BNY MELLON STRATEGIC MUN BD COM 09662E109   124,195 24,989 SH   SOLE   24,989 0 0
BONDBLOXX ETF TRUST BLOOMBERG SIX MN 09789C788   895,359 17,811 SH   SOLE   17,811 0 0
BROADCOM INC COM 11135F101   380,320 458 SH   SOLE   458 0 0
CAPITAL ONE FINL CORP COM 14040H105   381,714 3,933 SH   SOLE   3,933 0 0
CISCO SYS INC COM 17275R102   576,272 10,719 SH   SOLE   10,719 0 0
COCA COLA CO COM 191216100   405,239 7,239 SH   SOLE   7,239 0 0
EA SERIES TRUST US QUAN MOMENTUM 02072L409   528,336 12,253 SH   SOLE   12,253 0 0
EATON VANCE TAX-MANAGED GLOB COM 27829C105   133,380 17,458 SH   SOLE   17,458 0 0
EATON VANCE TAX-MANAGED GLOB COM 27829F108   85,507 11,602 SH   SOLE   11,602 0 0
EXELON CORP COM 30161N101   284,442 7,527 SH   SOLE   7,527 0 0
EXXON MOBIL CORP COM 30231G102   1,016,179 8,642 SH   SOLE   8,642 0 0
FLOWERS FOODS INC COM 343498101   536,741 24,199 SH   SOLE   24,199 0 0
FRANKLIN TEMPLETON ETF TR FTSE JAPAN ETF 35473P744   304,519 11,513 SH   SOLE   11,513 0 0
FRANKLIN TEMPLETON ETF TR FTSE JAPAN HDG 35473P637   480,231 15,202 SH   SOLE   15,202 0 0
GENERAL DYNAMICS CORP COM 369550108   512,187 2,318 SH   SOLE   2,318 0 0
HIGHLAND OPPORTUNITIES HIGHLAND INCOME 43010E404   410,324 51,035 SH   SOLE   51,035 0 0
HOME DEPOT INC COM 437076102   472,933 1,565 SH   SOLE   1,565 0 0
INNOVATOR ETFS TR US EQTY PWR BUF 45782C813   458,118 13,594 SH   SOLE   13,594 0 0
INTEL CORP COM 458140100   547,242 15,394 SH   SOLE   15,394 0 0
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308   337,571 3,752 SH   SOLE   3,752 0 0
ISHARES TR EAFE SML CP ETF 464288273   4,123,819 73,027 SH   SOLE   73,017 10 0
ISHARES TR MSCI USA MMENTM 46432F396   17,969,859 128,632 SH   SOLE   128,583 49 0
ISHARES TR MSCI USA QLT FCT 46432F339   8,621,779 65,421 SH   SOLE   65,332 89 0
ISHARES TR MSCI USA MIN VOL 46429B697   419,683 5,798 SH   SOLE   5,798 0 0
ISHARES TR CORE S&P SCP ETF 464287804   1,620,744 17,182 SH   SOLE   17,182 0 0
ISHARES TR CORE S&P TTL STK 464287150   2,834,460 30,093 SH   SOLE   30,093 0 0
ISHARES TR EAFE GRWTH ETF 464288885   453,075 5,250 SH   SOLE   5,250 0 0
ISHARES TR EAFE VALUE ETF 464288877   608,787 12,442 SH   SOLE   12,442 0 0
ISHARES TR MSCI USA VALUE 46432F388   426,873 4,705 SH   SOLE   4,705 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   930,532 10,160 SH   SOLE   10,160 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   1,010,627 10,762 SH   SOLE   10,762 0 0
ISHARES TR CORE S&P500 ETF 464287200   525,466 1,224 SH   SOLE   1,224 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   325,953 4,764 SH   SOLE   4,764 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   449,579 1,690 SH   SOLE   1,690 0 0
ISHARES TR S&P 500 VAL ETF 464287408   207,373 1,348 SH   SOLE   1,348 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   398,376 2,624 SH   SOLE   2,624 0 0
JOHNSON & JOHNSON COM 478160104   1,748,900 11,229 SH   SOLE   11,229 0 0
JPMORGAN CHASE & CO COM 46625H100   402,897 2,778 SH   SOLE   2,778 0 0
MCDONALDS CORP COM 580135101   574,193 2,180 SH   SOLE   2,180 0 0
MEDTRONIC PLC SHS G5960L103   399,594 5,099 SH   SOLE   5,099 0 0
MICROSOFT CORP COM 594918104   1,355,350 4,292 SH   SOLE   4,292 0 0
NUVEEN AMT FREE QLTY MUN INC COM 670657105   158,524 16,376 SH   SOLE   16,376 0 0
NUVEEN MUNICIPAL CREDIT INC COM SH BEN INT 67070X101   126,704 12,148 SH   SOLE   12,148 0 0
NUVEEN QUALITY MUNCP INCOME COM 67066V101   137,022 13,513 SH   SOLE   13,513 0 0
NVIDIA CORPORATION COM 67066G104   298,280 686 SH   SOLE   686 0 0
PGIM HIGH YIELD BOND FUND IN COM 69346H100   499,098 42,368 SH   SOLE   42,368 0 0
PIMCO ETF TR INV GRD CRP BD 72201R817   278,189 3,053 SH   SOLE   3,053 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467   367,337 4,148 SH   SOLE   4,148 0 0
QUALCOMM INC COM 747525103   214,200 1,929 SH   SOLE   1,929 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   29,285,743 413,874 SH   SOLE   413,762 112 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   790,876 15,664 SH   SOLE   15,664 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   347,511 2,699 SH   SOLE   2,699 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   569,093 18,352 SH   SOLE   18,352 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   207,020 484 SH   SOLE   484 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805   14,022,794 267,152 SH   SOLE   267,115 37 0
SPDR SER TR PORTFOLIO S&P600 78468R853   7,551,475 204,647 SH   SOLE   204,638 9 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649   2,313,940 95,067 SH   SOLE   95,067 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   686,814 7,480 SH   SOLE   7,480 0 0
SYSCO CORP COM 871829107   650,693 9,852 SH   SOLE   9,852 0 0
UNION PAC CORP COM 907818108   250,872 1,232 SH   SOLE   1,232 0 0
UNITED PARCEL SERVICE INC CL B 911312106   280,297 1,798 SH   SOLE   1,798 0 0
VANECK ETF TRUST IG FLOATING RATE 92189F486   10,106,622 399,629 SH   SOLE   399,629 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   495,483 2,333 SH   SOLE   2,333 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   11,089,475 47,169 SH   SOLE   47,157 12 0
VERIZON COMMUNICATIONS INC COM 92343V104   719,735 22,207 SH   SOLE   22,207 0 0
VIRTUS DIVIDEND INTEREST & P COM 92840R101   1,422,876 125,585 SH   SOLE   125,585 0 0
WALMART INC COM 931142103   222,942 1,394 SH   SOLE   1,394 0 0
WATSCO INC COM 942622200   217,246 575 SH   SOLE   575 0 0
WEST PHARMACEUTICAL SVSC INC COM 955306105   375,210 1,000 SH   SOLE   1,000 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   276,458 5,494 SH   SOLE   5,494 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303   206,506 5,633 SH   SOLE   5,633 0 0