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
3M CO COM 88579Y101 384 2,580 SH   SOLE   2,580 0 0
ABBVIE INC COM 00287Y109 307 1,900 SH   SOLE   1,900 0 0
AFLAC INC COM 001055102 219 3,400 SH   SOLE   3,400 0 0
ALPHABET INC. CAP STK CL C 02079K107 1,000 360 SH   SOLE   360 0 0
ALPHABET INC. CAP STK CL A 02079K305 2,589 930 SH   SOLE   930 0 0
AMAZON.COM INC COM 023135106 1,803 550 SH   SOLE   550 0 0
AMERISOURCEBERGEN CORP COM 03073E105 588 3,800 SH   SOLE   3,800 0 0
APPLE INC COM 037833100 10,362 60,210 SH   SOLE   60,210 0 0
AUTO DATA PROCESSING COM 053015103 257 1,130 SH   SOLE   1,130 0 0
BALL CORP COM 058498106 322 3,580 SH   SOLE   3,580 0 0
BANK OF NY MELLON CO COM 064058100 290 5,850 SH   SOLE   5,850 0 0
BERKSHIRE HATHAWAY CL B New 084670702 2,470 7,000 SH   SOLE   7,000 0 0
BOEING CO COM 097023105 418 2,180 SH   SOLE   2,180 0 0
CDW CORP COM 12514G108 629 3,520 SH   SOLE   3,520 0 0
CHARLES SCHWAB US REIT US REIT ETF 808524847 487 19,590 SH   SOLE   19,590 0 0
CHEVRON COM 166764100 202 1,240 SH   SOLE   1,240 0 0
CISCO SYSTEMS INC COM 17275R102 471 8,450 SH   SOLE   8,450 0 0
COMCAST CORP CL A 20030N101 733 15,650 SH   SOLE   15,650 0 0
CONSTELLATION BRAND CL A 21036P108 881 3,830 SH   SOLE   3,830 0 0
COSTCO WHOLESALE CO COM 22160K105 1,304 2,270 SH   SOLE   2,270 0 0
CVS HEALTH CORP COM 126650100 256 2,530 SH   SOLE   2,530 0 0
DIAGEO PLC F SPON ADR NEW 25243Q205 474 2,330 SH   SOLE   2,330 0 0
DICKS SPORTING GOODS COM 253393102 338 3,380 SH   SOLE   3,380 0 0
DISCOVER FINL S COM 254709108 518 4,700 SH   SOLE   4,700 0 0
EMERSON ELECTRIC CO COM 291011104 275 2,800 SH   SOLE   2,800 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 278 3,640 SH   SOLE   3,640 0 0
ERIE INDEMNITY CO CL A 29530P102 387 2,200 SH   SOLE   2,200 0 0
FEDEX CORP COM 31428X106 575 2,490 SH   SOLE   2,490 0 0
FIRST TRUST TCW TCW OPPORTUNIS 33740F805 1,002 20,200 SH   SOLE   20,200 0 0
FRST TRT LOW DRTN FST LOW OPPT EFT 33739Q200 601 12,270 SH   SOLE   12,270 0 0
FT RISING DIVIDEND RISNG DIVD ACHIV 33738R506 342 6,970 SH   SOLE   6,970 0 0
GENERAL MILLS INC COM 370334104 210 3,100 SH   SOLE   3,100 0 0
HARTFORD TOTAL RETURN TOTAL RTRN ETF 41653L305 1,462 39,710 SH   SOLE   39,710 0 0
HARTFORD FDS EXCHANGE TRADED SHRT DURTN ETF 41653L602 201 5,130 SH   SOLE   5,130 0 0
HOME DEPOT INC COM 437076102 482 1,610 SH   SOLE   1,610 0 0
ILLINOIS TOOL WORKS COM 452308109 639 3,050 SH   SOLE   3,050 0 0
INTEL CORP COM 458140100 821 16,570 SH   SOLE   16,570 0 0
INVESCO BULLETSHARES BULSHS 2022 CB 46138J882 644 30,270 SH   SOLE   30,270 0 0
INVESCO S&P 500 EQUAL S&P500 EQL WGT 46137V357 2,259 14,320 SH   SOLE   14,320 0 0
INVESCO S&P 500 LOW S&P500 LOW VOL 46138E354 1,274 18,990 SH   SOLE   18,990 0 0
INVESCO S&P 500 TOP 50 S&P 500 TOP 50 46137V233 2,071 5,890 SH   SOLE   5,890 0 0
JOHNSON & JOHNSON COM 478160104 960 5,410 SH   SOLE   5,410 0 0
JPMORGAN CHASE & CO COM 46625H100 582 4,270 SH   SOLE   4,270 0 0
JPMORGAN ULTRA SHORT ULTRA SHRT INC 46641Q837 969 19,290 SH   SOLE   19,290 0 0
LAM RESEARCH CORP COM 512807108 567 1,060 SH   SOLE   1,060 0 0
LILLY ELI & CO COM 532457108 1,126 3,930 SH   SOLE   3,930 0 0
LOWES COMPANIES INC COM 548661107 839 4,150 SH   SOLE   4,150 0 0
MERCK & CO. INC. COM 58933Y105 340 4,140 SH   SOLE   4,140 0 0
META PLATFORMS INC CL A 30303M102 776 3,490 SH   SOLE   3,490 0 0
MICROSOFT CORP COM 594918104 3,717 12,060 SH   SOLE   12,060 0 0
NETFLIX INC COM 64110L106 811 2,170 SH   SOLE   2,170 0 0
NEXTERA ENERGY INC COM 65339F101 1,166 13,760 SH   SOLE   13,760 0 0
NIKE INC CL B 654106103 930 6,910 SH   SOLE   6,910 0 0
NOVARTIS AG F SPONSORED ADR 66987V109 243 2,770 SH   SOLE   2,770 0 0
NVIDIA CORP COM 67066G104 832 3,050 SH   SOLE   3,050 0 0
ORACLE CORP COM 68389X105 733 8,860 SH   SOLE   8,860 0 0
PARKER-HANNIFIN CORP COM 701094104 482 1,700 SH   SOLE   1,700 0 0
PAYPAL HOLDINGS INCORPOR COM 70450Y103 492 4,250 SH   SOLE   4,250 0 0
PEPSICO INC COM 713448108 767 4,580 SH   SOLE   4,580 0 0
PFIZER INC COM 717081103 563 10,880 SH   SOLE   10,880 0 0
PHILIP MORRIS INTL COM 718172109 338 3,600 SH   SOLE   3,600 0 0
PROCTER & GAMBLE COM 742718109 618 4,050 SH   SOLE   4,050 0 0
QUANTA SERVICES INC COM 74762E102 291 2,210 SH   SOLE   2,210 0 0
RAYTHEON TECHNOLOGIES CO COM 75513E101 420 4,240 SH   SOLE   4,240 0 0
RIVERFRONT STRATEGIC RIVRFRNT STR INC 00162Q783 359 15,170 SH   SOLE   15,170 0 0
SCHWAB EMERGING MARKETS EMRG MKTEQ ETF 808524706 570 20,530 SH   SOLE   20,530 0 0
SCHWAB US AGGREGATE BOND US AGGREGATE B 808524839 1,962 57,320 SH   SOLE   57,320 0 0
SCHWAB US DIVIDEND US DIVIDEND EQ 808524797 207 2,630 SH   SOLE   2,630 0 0
SCHWAB US SMALL CAP ETF US SML CAP ETF 808524607 1,121 23,670 SH   SOLE   23,670 0 0
SCHWAB US TIPS ETF US TIPS ETF 808524870 1,133 18,670 SH   SOLE   18,670 0 0
SELECT SECTOR HEALTH SBI HEALTHCARE 81369Y209 3,747 27,350 SH   SOLE   27,350 0 0
SELECT SECTOR UTI SELECT SBI INT-UTILS 81369Y886 1,685 22,630 SH   SOLE   22,630 0 0
SELECT STR FINANCIAL FINANCIAL 81369Y605 2,606 68,010 SH   SOLE   68,010 0 0
SPDR AGGREGATE BOND ETF PORTFOLIO AGRGTE 78464A649 2,169 78,050 SH   SOLE   78,050 0 0
SPDR BLOOMBERG CONVRTBL BLMBRG BRC CNVRT 78464A359 751 9,770 SH   SOLE   9,770 0 0
SPDR BLOOMBERG INT GRD Blomberg BRC INV 78468R200 721 23,640 SH   SOLE   23,640 0 0
SPDR DOUBLELINE TTL RTRN SPDR TR TACTIC 78467V848 319 7,130 SH   SOLE   7,130 0 0
SPDR MSCI ACWI EX-US MSCI ACWI EXUS 78463X848 1,310 47,580 SH   SOLE   47,580 0 0
SPDR PORTFOLIO CORPORATE PORTFOLIO CRPORT 78464A144 445 13,890 SH   SOLE   13,890 0 0
SPDR PORTFOLIO S&P 400 PORTFOLIO S&P400 78464A847 262 5,560 SH   SOLE   5,560 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 2,821 6,250 SH   SOLE   6,250 0 0
SPDR S&P 600 SMALL CAP S&P 600 SML CAP 78464A813 319 3,410 SH   SOLE   3,410 0 0
SPDR SER TR S&P 600 SMCP GRW 78464A201 430 5,140 SH   SOLE   5,140 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 1,662 19,950 SH   SOLE   19,950 0 0
SPDR SHORT TERM PORTFOLIO SHORT 78464A474 2,384 79,130 SH   SOLE   79,130 0 0
TECHNOLOGY SELECT SECTOR TECHNOLOGY 81369Y803 1,960 12,340 SH   SOLE   12,340 0 0
THE COCA-COLA CO COM 191216100 604 9,750 SH   SOLE   9,750 0 0
THERMO FISHER SCNTFC COM 883556102 1,793 3,040 SH   SOLE   3,040 0 0
TJX COMPANIES INC COM 872540109 570 9,410 SH   SOLE   9,410 0 0
TOYOTA MOTOR CORP F SP ADR REP2COM 892331307 252 1,400 SH   SOLE   1,400 0 0
U S BANCORP COM NEW 902973304 435 8,180 SH   SOLE   8,180 0 0
UNITEDHEALTH GRP INC COM 91324P102 2,064 4,050 SH   SOLE   4,050 0 0
UNIVERSAL HLTH SVCS CL B 913903100 554 3,820 SH   SOLE   3,820 0 0
VALERO ENERGY CORP COM 91913Y100 631 6,220 SH   SOLE   6,220 0 0
VANGUARD FTSE DEVELOPED FTSE DEV MKT ETF 921943858 2,452 51,060 SH   SOLE   51,060 0 0
VANGUARD GROWTH ETF GROWTH ETF 922908736 2,395 8,330 SH   SOLE   8,330 0 0
VANGUARD INTRMDIAT TRM INTER TERM TREAS 92206C706 1,191 18,940 SH   SOLE   18,940 0 0
VANGUARD MID CAP ETF MID CAP ETF 922908629 1,407 5,920 SH   SOLE   5,920 0 0
VANGUARD SHORT TERM SHORT TERM TREAS 92206C102 519 8,770 SH   SOLE   8,770 0 0
VANGUARD VALUE ETF IV VALUE ETF 922908744 2,625 17,770 SH   SOLE   17,770 0 0
VERIZON COMMUNICATN COM 92343V104 470 9,220 SH   SOLE   9,220 0 0
VISA INC COM CL A 92826C839 699 3,150 SH   SOLE   3,150 0 0
WALMART INC COM 931142103 931 6,250 SH   SOLE   6,250 0 0
WALT DISNEY CO COM 254687106 634 4,630 SH   SOLE   4,630 0 0
WELLS FARGO & CO COM 949746101 275 5,670 SH   SOLE   5,670 0 0
WESTERN DIGITAL CORP COM 958102105 257 5,180 SH   SOLE   5,180 0 0
XCEL ENERGY INC COM 98389B100 670 9,280 SH   SOLE   9,280 0 0