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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AFLAC INC COM 001055102   882 10,269 SH   SOLE 0 0 0 10,269
ABBOTT LABS COM 002824100   551 4,847 SH   SOLE 0 0 0 4,847
ADOBE INC COM 00724F101   550 1,090 SH   SOLE 0 0 0 1,090
ADVANCED DRAIN SYS INC DEL COM 00790R104   239 1,388 SH   SOLE 0 0 0 1,388
AIR PRODS & CHEMS INC COM 009158106   1,045 4,313 SH   SOLE 0 0 0 4,313
ALPHABET INC CAP STK CL C 02079K107   246 1,617 SH   SOLE 0 0 0 1,617
ALPHABET INC CAP STK CL A 02079K305   3,987 26,419 SH   SOLE 0 0 0 26,419
AMAZON COM INC COM 023135106   5,857 32,470 SH   SOLE 0 0 0 32,470
AMERICAN WTR WKS CO INC NEW COM 030420103   281 2,295 SH   SOLE 0 0 0 2,295
AMGEN INC COM 031162100   255 898 SH   SOLE 0 0 0 898
APPLE INC COM 037833100   5,025 29,304 SH   SOLE 0 0 0 29,304
AUTOMATIC DATA PROCESSING IN COM 053015103   397 1,591 SH   SOLE 0 0 0 1,591
AUTOZONE INC COM 053332102   252 80 SH   SOLE 0 0 0 80
BALL CORP COM 058498106   507 7,525 SH   SOLE 0 0 0 7,525
BECTON DICKINSON & CO COM 075887109   926 3,741 SH   SOLE 0 0 0 3,741
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   280 666 SH   SOLE 0 0 0 666
BLACKROCK INC COM 09247X101   538 646 SH   SOLE 0 0 0 646
BROWN & BROWN INC COM 115236101   310 3,537 SH   SOLE 0 0 0 3,537
CVS HEALTH CORP COM 126650100   519 6,511 SH   SOLE 0 0 0 6,511
CHEVRON CORP NEW COM 166764100   682 4,326 SH   SOLE 0 0 0 4,326
CHURCH & DWIGHT CO INC COM 171340102   450 4,317 SH   SOLE 0 0 0 4,317
CISCO SYS INC COM 17275R102   413 8,281 SH   SOLE 0 0 0 8,281
CINTAS CORP COM 172908105   294 428 SH   SOLE 0 0 0 428
CLOROX CO DEL COM 189054109   404 2,637 SH   SOLE 0 0 0 2,637
COCA COLA CO COM 191216100   452 7,383 SH   SOLE 0 0 0 7,383
COMCAST CORP NEW CL A 20030N101   1,464 33,778 SH   SOLE 0 0 0 33,778
COSTCO WHSL CORP NEW COM 22160K105   4,757 6,494 SH   SOLE 0 0 0 6,494
D R HORTON INC COM 23331A109   256 1,555 SH   SOLE 0 0 0 1,555
DANAHER CORPORATION COM 235851102   1,007 4,031 SH   SOLE 0 0 0 4,031
DEERE & CO COM 244199105   225 548 SH   SOLE 0 0 0 548
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   759 29,733 SH   SOLE 0 0 0 29,733
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   883 34,638 SH   SOLE 0 0 0 34,638
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   910 33,472 SH   SOLE 0 0 0 33,472
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   2,055 68,275 SH   SOLE 0 0 0 68,275
EOG RES INC COM 26875P101   1,307 10,226 SH   SOLE 0 0 0 10,226
ECOLAB INC COM 278865100   716 3,102 SH   SOLE 0 0 0 3,102
EQUINIX INC COM 29444U700   233 282 SH   SOLE 0 0 0 282
ESSENTIAL UTILS INC COM 29670G102   387 10,438 SH   SOLE 0 0 0 10,438
EVERSOURCE ENERGY COM 30040W108   497 8,313 SH   SOLE 0 0 0 8,313
EXXON MOBIL CORP COM 30231G102   700 6,023 SH   SOLE 0 0 0 6,023
FEDEX CORP COM 31428X106   1,180 4,074 SH   SOLE 0 0 0 4,074
HOME DEPOT INC COM 437076102   362 944 SH   SOLE 0 0 0 944
INGREDION INC COM 457187102   992 8,488 SH   SOLE 0 0 0 8,488
INTEL CORP COM 458140100   283 6,401 SH   SOLE 0 0 0 6,401
INTUIT COM 461202103   892 1,373 SH   SOLE 0 0 0 1,373
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   266 13,872 SH   SOLE 0 0 0 13,872
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   286 13,987 SH   SOLE 0 0 0 13,987
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   234 11,143 SH   SOLE 0 0 0 11,143
ISHARES TR CORE S&P TTL STK 464287150   424 3,676 SH   SOLE 0 0 0 3,676
ISHARES TR TIPS BD ETF 464287176   356 3,312 SH   SOLE 0 0 0 3,312
ISHARES TR CORE S&P500 ETF 464287200   2,033 3,866 SH   SOLE 0 0 0 3,866
ISHARES TR S&P 500 GRWT ETF 464287309   285 3,379 SH   SOLE 0 0 0 3,379
ISHARES TR RUS 1000 ETF 464287622   1,025 3,559 SH   SOLE 0 0 0 3,559
ISHARES TR U.S. TECH ETF 464287721   398 2,950 SH   SOLE 0 0 0 2,950
ISHARES TR SHRT NAT MUN ETF 464288158   893 8,531 SH   SOLE 0 0 0 8,531
ISHARES TR NATIONAL MUN ETF 464288414   845 7,850 SH   SOLE 0 0 0 7,850
ISHARES TR MSCI KLD400 SOC 464288570   365 3,624 SH   SOLE 0 0 0 3,624
ISHARES TR MBS ETF 464288588   317 3,432 SH   SOLE 0 0 0 3,432
ISHARES TR EAFE VALUE ETF 464288877   1,131 20,797 SH   SOLE 0 0 0 20,797
ISHARES TR EAFE GRWTH ETF 464288885   993 9,568 SH   SOLE 0 0 0 9,568
ISHARES TR US TREAS BD ETF 46429B267   220 9,642 SH   SOLE 0 0 0 9,642
ISHARES TR MSCI USA MIN VOL 46429B697   389 4,660 SH   SOLE 0 0 0 4,660
ISHARES TR MSCI USA QLT FCT 46432F339   1,226 7,462 SH   SOLE 0 0 0 7,462
ISHARES INC CORE MSCI EMKT 46434G103   466 9,038 SH   SOLE 0 0 0 9,038
ISHARES TR CORE TOTAL USD 46434V613   763 16,727 SH   SOLE 0 0 0 16,727
ISHARES TR TRS FLT RT BD 46434V860   348 6,869 SH   SOLE 0 0 0 6,869
ISHARES TR ESG AWR MSCI USA 46435G425   749 6,513 SH   SOLE 0 0 0 6,513
ISHARES TR IBONDS 26 TRM TS 46436E858   271 11,941 SH   SOLE 0 0 0 11,941
ISHARES TR IBONDS 25 TRM TS 46436E866   252 10,839 SH   SOLE 0 0 0 10,839
ISHARES TR IBONDS 24 TRM TS 46436E874   276 11,549 SH   SOLE 0 0 0 11,549
JPMORGAN CHASE & CO COM 46625H100   406 2,025 SH   SOLE 0 0 0 2,025
JOHNSON & JOHNSON COM 478160104   1,323 8,361 SH   SOLE 0 0 0 8,361
KLA CORP COM NEW 482480100   219 314 SH   SOLE 0 0 0 314
ELI LILLY & CO COM 532457108   944 1,213 SH   SOLE 0 0 0 1,213
LOCKHEED MARTIN CORP COM 539830109   209 459 SH   SOLE 0 0 0 459
LOWES COS INC COM 548661107   1,384 5,434 SH   SOLE 0 0 0 5,434
MASTERCARD INCORPORATED CL A 57636Q104   363 754 SH   SOLE 0 0 0 754
MCDONALDS CORP COM 580135101   342 1,211 SH   SOLE 0 0 0 1,211
MCKESSON CORP COM 58155Q103   319 594 SH   SOLE 0 0 0 594
MERCK & CO INC COM 58933Y105   220 1,670 SH   SOLE 0 0 0 1,670
MICROSOFT CORP COM 594918104   6,404 15,221 SH   SOLE 0 0 0 15,221
ORACLE CORP COM 68389X105   275 2,186 SH   SOLE 0 0 0 2,186
PEPSICO INC COM 713448108   595 3,397 SH   SOLE 0 0 0 3,397
PIMCO ETF TR INTER MUN BD ACT 72201R866   1,114 21,236 SH   SOLE 0 0 0 21,236
PROCTER AND GAMBLE CO COM 742718109   1,389 8,559 SH   SOLE 0 0 0 8,559
PROLOGIS INC. COM 74340W103   291 2,234 SH   SOLE 0 0 0 2,234
PUBLIC STORAGE COM 74460D109   359 1,237 SH   SOLE 0 0 0 1,237
PULTE GROUP INC COM 745867101   463 3,840 SH   SOLE 0 0 0 3,840
RTX CORPORATION COM 75513E101   250 2,568 SH   SOLE 0 0 0 2,568
REPUBLIC SVCS INC COM 760759100   637 3,327 SH   SOLE 0 0 0 3,327
S&P GLOBAL INC COM 78409V104   1,496 3,517 SH   SOLE 0 0 0 3,517
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,530 2,926 SH   SOLE 0 0 0 2,926
SPDR SER TR PORTFOLIO S&P500 78464A854   5,581 90,705 SH   SOLE 0 0 0 90,705
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   1,353 3,402 SH   SOLE 0 0 0 3,402
SALESFORCE INC COM 79466L302   277 921 SH   SOLE 0 0 0 921
SCHLUMBERGER LTD COM STK 806857108   427 7,791 SH   SOLE 0 0 0 7,791
SCHWAB CHARLES CORP COM 808513105   296 4,093 SH   SOLE 0 0 0 4,093
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   561 9,186 SH   SOLE 0 0 0 9,186
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   822 17,867 SH   SOLE 0 0 0 17,867
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   2,714 55,337 SH   SOLE 0 0 0 55,337
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   207 2,226 SH   SOLE 0 0 0 2,226
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,139 12,065 SH   SOLE 0 0 0 12,065
SELECT SECTOR SPDR TR INDL 81369Y704   203 1,613 SH   SOLE 0 0 0 1,613
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   205 985 SH   SOLE 0 0 0 985
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   218 2,668 SH   SOLE 0 0 0 2,668
SERVICENOW INC COM 81762P102   481 631 SH   SOLE 0 0 0 631
SHERWIN WILLIAMS CO COM 824348106   1,143 3,290 SH   SOLE 0 0 0 3,290
SYSCO CORP COM 871829107   891 10,976 SH   SOLE 0 0 0 10,976
TJX COS INC NEW COM 872540109   360 3,549 SH   SOLE 0 0 0 3,549
TARGET CORP COM 87612E106   465 2,624 SH   SOLE 0 0 0 2,624
THERMO FISHER SCIENTIFIC INC COM 883556102   1,221 2,101 SH   SOLE 0 0 0 2,101
TRACTOR SUPPLY CO COM 892356106   249 953 SH   SOLE 0 0 0 953
UNITED PARCEL SERVICE INC CL B 911312106   646 4,344 SH   SOLE 0 0 0 4,344
UNITEDHEALTH GROUP INC COM 91324P102   880 1,778 SH   SOLE 0 0 0 1,778
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,546 35,058 SH   SOLE 0 0 0 35,058
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,905 57,899 SH   SOLE 0 0 0 57,899
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   5,198 105,669 SH   SOLE 0 0 0 105,669
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   4,282 55,386 SH   SOLE 0 0 0 55,386
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   680 11,613 SH   SOLE 0 0 0 11,613
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   4,496 55,843 SH   SOLE 0 0 0 55,843
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   378 7,470 SH   SOLE 0 0 0 7,470
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   382 4,418 SH   SOLE 0 0 0 4,418
VANGUARD INDEX FDS SM CP VAL ETF 922908611   261 1,363 SH   SOLE 0 0 0 1,363
VANGUARD INDEX FDS TOTAL STK MKT 922908769   10,654 40,992 SH   SOLE 0 0 0 40,992
VISA INC COM CL A 92826C839   1,239 4,439 SH   SOLE 0 0 0 4,439
WALMART INC COM 931142103   1,107 18,404 SH   SOLE 0 0 0 18,404
WEST PHARMACEUTICAL SVSC INC COM 955306105   694 1,755 SH   SOLE 0 0 0 1,755
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   459 1,324 SH   SOLE 0 0 0 1,324
EATON CORP PLC SHS G29183103   349 1,115 SH   SOLE 0 0 0 1,115
LINDE PLC SHS G54950103   970 2,089 SH   SOLE 0 0 0 2,089
CHUBB LIMITED COM H1467J104   1,264 4,879 SH   SOLE 0 0 0 4,879