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 278 2,520 SH   SOLE   2,520 0 0
ABBVIE INC COM 00287Y109 248 1,850 SH   SOLE   1,850 0 0
ALPHABET INC. CAP STK CL C 02079K107 706 7,350 SH   SOLE   7,350 0 0
ALPHABET INC. CAP STK CL A 02079K305 1,733 18,120 SH   SOLE   18,120 0 0
AMAZON.COM INC COM 023135106 1,205 10,660 SH   SOLE   10,660 0 0
AMERISOURCEBERGEN CORP COM 03073E105 529 3,910 SH   SOLE   3,910 0 0
APPLE INC COM 037833100 7,875 56,990 SH   SOLE   56,990 0 0
AUTO DATA PROCESSING COM 053015103 254 1,120 SH   SOLE   1,120 0 0
BANK OF NY MELLON CO COM 064058100 218 5,670 SH   SOLE   5,670 0 0
BERKSHIRE HATHAWAY CL B New 084670702 1,805 6,760 SH   SOLE   6,760 0 0
BOEING CO COM 097023105 258 2,130 SH   SOLE   2,130 0 0
CDW CORP COM 12514G108 533 3,420 SH   SOLE   3,420 0 0
CHARLES SCHWAB US REIT US REIT ETF 808524847 361 19,320 SH   SOLE   19,320 0 0
CISCO SYSTEMS INC COM 17275R102 316 7,900 SH   SOLE   7,900 0 0
COMCAST CORP CL A 20030N101 444 15,150 SH   SOLE   15,150 0 0
CONSTELLATION BRAND CL A 21036P108 830 3,620 SH   SOLE   3,620 0 0
COSTCO WHOLESALE CO COM 22160K105 1,015 2,150 SH   SOLE   2,150 0 0
CVS HEALTH CORP COM 126650100 241 2,530 SH   SOLE   2,530 0 0
DIAGEO PLC F SPON ADR NEW 25243Q205 396 2,330 SH   SOLE   2,330 0 0
DICKS SPORTING GOODS COM 253393102 327 3,130 SH   SOLE   3,130 0 0
DISCOVER FINL S COM 254709108 400 4,400 SH   SOLE   4,400 0 0
EMERSON ELECTRIC CO COM 291011104 205 2,800 SH   SOLE   2,800 0 0
ERIE INDEMNITY CO CL A 29530P102 489 2,200 SH   SOLE   2,200 0 0
FEDEX CORP COM 31428X106 354 2,390 SH   SOLE   2,390 0 0
FIRST TRUST TCW TCW OPPORTUNIS 33740F805 1,067 24,510 SH   SOLE   24,510 0 0
FRST TRT LOW DRTN FST LOW OPPT EFT 33739Q200 570 12,050 SH   SOLE   12,050 0 0
FT RISING DIVIDEND RISNG DIVD ACHIV 33738R506 271 6,960 SH   SOLE   6,960 0 0
GENERAL MILLS INC COM 370334104 237 3,100 SH   SOLE   3,100 0 0
HARTFORD TOTAL RETURN TOTAL RTRN ETF 41653L305 1,418 43,700 SH   SOLE   43,700 0 0
HOME DEPOT INC COM 437076102 430 1,560 SH   SOLE   1,560 0 0
ILLINOIS TOOL WORKS COM 452308109 524 2,900 SH   SOLE   2,900 0 0
INTEL CORP COM 458140100 412 15,970 SH   SOLE   15,970 0 0
INVESCO BULLETSHARES BULSHS 2022 CB 46138J882 618 29,200 SH   SOLE   29,200 0 0
INVESCO S&P 500 EQUAL S&P500 EQL WGT 46137V357 1,791 14,090 SH   SOLE   14,090 0 0
INVESCO S&P 500 LOW S&P500 LOW VOL 46138E354 1,087 18,800 SH   SOLE   18,800 0 0
INVESCO S&P 500 TOP 50 S&P 500 TOP 50 46137V233 1,563 5,820 SH   SOLE   5,820 0 0
JOHNSON & JOHNSON COM 478160104 851 5,210 SH   SOLE   5,210 0 0
JPMORGAN CHASE & CO COM 46625H100 426 4,070 SH   SOLE   4,070 0 0
JPMORGAN ULTRA SHORT ULTRA SHRT INC 46641Q837 841 18,470 SH   SOLE   18,470 0 0
LAM RESEARCH CORP COM 512807108 340 930 SH   SOLE   930 0 0
LILLY ELI & CO COM 532457108 1,190 3,680 SH   SOLE   3,680 0 0
LOWES COMPANIES INC COM 548661107 758 4,040 SH   SOLE   4,040 0 0
MERCK & CO. INC. COM 58933Y105 346 4,020 SH   SOLE   4,020 0 0
META PLATFORMS INC CL A 30303M102 458 3,380 SH   SOLE   3,380 0 0
MICROSOFT CORP COM 594918104 2,730 11,720 SH   SOLE   11,720 0 0
NETFLIX INC COM 64110L106 499 2,120 SH   SOLE   2,120 0 0
NEXTERA ENERGY INC COM 65339F101 1,018 12,980 SH   SOLE   12,980 0 0
NIKE INC CL B 654106103 549 6,610 SH   SOLE   6,610 0 0
NOVARTIS AG F SPONSORED ADR 66987V109 210 2,770 SH   SOLE   2,770 0 0
NVIDIA CORP COM 67066G104 376 3,100 SH   SOLE   3,100 0 0
ORACLE CORP COM 68389X105 498 8,160 SH   SOLE   8,160 0 0
PARKER-HANNIFIN CORP COM 701094104 388 1,600 SH   SOLE   1,600 0 0
PAYPAL HOLDINGS INCORPOR COM 70450Y103 338 3,930 SH   SOLE   3,930 0 0
PEPSICO INC COM 713448108 725 4,440 SH   SOLE   4,440 0 0
PFIZER INC COM 717081103 463 10,580 SH   SOLE   10,580 0 0
PHILIP MORRIS INTL COM 718172109 299 3,600 SH   SOLE   3,600 0 0
PROCTER & GAMBLE COM 742718109 485 3,840 SH   SOLE   3,840 0 0
QUANTA SERVICES INC COM 74762E102 508 3,980 SH   SOLE   3,980 0 0
RAYTHEON TECHNOLOGIES CO COM 75513E101 331 4,050 SH   SOLE   4,050 0 0
RIVERFRONT STRATEGIC RIVRFRNT STR INC 00162Q783 344 15,480 SH   SOLE   15,480 0 0
SCHWAB EMERGING MARKETS EMRG MKTEQ ETF 808524706 450 20,070 SH   SOLE   20,070 0 0
SCHWAB US AGGREGATE BOND US AGGREGATE B 808524839 712 15,710 SH   SOLE   15,710 0 0
SCHWAB US SMALL CAP ETF US SML CAP ETF 808524607 902 23,600 SH   SOLE   23,600 0 0
SCHWAB US TIPS ETF US TIPS ETF 808524870 911 17,590 SH   SOLE   17,590 0 0
SELECT SECTOR HEALTH SBI HEALTHCARE 81369Y209 3,244 26,790 SH   SOLE   26,790 0 0
SELECT SECTOR SPDR TR ENERGY ENERGY 81369Y506 263 3,650 SH   SOLE   3,650 0 0
SELECT SECTOR UTI SELECT SBI INT-UTILS 81369Y886 1,457 22,240 SH   SOLE   22,240 0 0
SELECT STR FINANCIAL FINANCIAL 81369Y605 2,020 66,540 SH   SOLE   66,540 0 0
SPDR AGGREGATE BOND ETF PORTFOLIO AGRGTE 78464A649 1,925 77,160 SH   SOLE   77,160 0 0
SPDR BLOOMBERG CONVRTBL BLMBRG BRC CNVRT 78464A359 571 9,020 SH   SOLE   9,020 0 0
SPDR BLOOMBERG INT GRD Blomberg BRC INV 78468R200 685 23,270 SH   SOLE   23,270 0 0
SPDR DOUBLELINE TTL RTRN SPDR TR TACTIC 78467V848 277 6,880 SH   SOLE   6,880 0 0
SPDR MSCI ACWI EX-US MSCI ACWI EXUS 78463X848 976 46,080 SH   SOLE   46,080 0 0
SPDR PORTFOLIO CORPORATE PORTFOLIO CRPORT 78464A144 566 20,560 SH   SOLE   20,560 0 0
SPDR PORTFOLIO S&P 400 PORTFOLIO S&P400 78464A847 210 5,430 SH   SOLE   5,430 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 2,914 8,160 SH   SOLE   8,160 0 0
SPDR S&P 600 SMALL CAP S&P 600 SML CAP 78464A813 251 3,320 SH   SOLE   3,320 0 0
SPDR Ser Tr S&P 600 SMCP GRW S&P 600 SMCP GRW 78464A201 350 5,140 SH   SOLE   5,140 0 0
SPDR Ser Tr S&P 600 SMCP VAL S&P 600 SMCP VAL 78464A300 1,276 19,000 SH   SOLE   19,000 0 0
SPDR SHORT TERM PORTFOLIO SHORT 78464A474 2,285 78,210 SH   SOLE   78,210 0 0
TECHNOLOGY SELECT SECTOR TECHNOLOGY 81369Y803 1,440 12,120 SH   SOLE   12,120 0 0
THE COCA-COLA CO COM 191216100 526 9,380 SH   SOLE   9,380 0 0
THERMO FISHER SCNTFC COM 883556102 1,458 2,880 SH   SOLE   2,880 0 0
TJX COMPANIES INC COM 872540109 560 9,010 SH   SOLE   9,010 0 0
U S BANCORP COM NEW 902973304 323 8,010 SH   SOLE   8,010 0 0
UNITEDHEALTH GRP INC COM 91324P102 1,913 3,810 SH   SOLE   3,810 0 0
UNIVERSAL HLTH SVCS CL B 913903100 328 3,720 SH   SOLE   3,720 0 0
VALERO ENERGY CORP COM 91913Y100 618 5,790 SH   SOLE   5,790 0 0
VANGUARD FTSE DEVELOPED FTSE DEV MKT ETF 921943858 2,657 71,090 SH   SOLE   71,090 0 0
VANGUARD GROWTH ETF GROWTH ETF 922908736 2,394 11,140 SH   SOLE   11,140 0 0
VANGUARD INTRMDIAT TRM INTER TERM TREAS 92206C706 1,020 17,500 SH   SOLE   17,500 0 0
VANGUARD LONG TERM LONG TERM TREAS 92206C847 138 2,190 SH   SOLE   2,190 0 0
VANGUARD MID CAP ETF MID CAP ETF 922908629 1,126 5,910 SH   SOLE   5,910 0 0
VANGUARD SHORT TERM SHORT TERM TREAS 92206C102 501 8,770 SH   SOLE   8,770 0 0
VANGUARD VALUE ETF IV VALUE ETF 922908744 2,938 23,600 SH   SOLE   23,600 0 0
VERIZON COMMUNICATN COM 92343V104 340 8,960 SH   SOLE   8,960 0 0
VISA INC COM CL A 92826C839 524 2,950 SH   SOLE   2,950 0 0
WALMART INC COM 931142103 789 6,080 SH   SOLE   6,080 0 0
WALT DISNEY CO COM 254687106 418 4,430 SH   SOLE   4,430 0 0
WELLS FARGO & CO COM 949746101 215 5,350 SH   SOLE   5,350 0 0
XCEL ENERGY INC COM 98389B100 596 9,310 SH   SOLE   9,310 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 255 3,570 SH   SOLE   3,570 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 233 3,080 SH   SOLE   3,080 0 0