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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,631,975 5,710 SH   SOLE   0 0 5,710
APPLE INC COM 037833100   1,263,348 7,661 SH   SOLE   0 0 7,661
APTARGROUP INC COM 038336103   1,684,786 14,255 SH   SOLE   0 0 14,255
BECTON DICKINSON & CO COM 075887109   2,240,842 9,052 SH   SOLE   0 0 9,052
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   4,987,871 16,154 SH   SOLE   0 0 16,154
CARLISLE COS INC COM 142339100   1,365,758 6,041 SH   SOLE   0 0 6,041
CHURCH & DWIGHT CO INC COM 171340102   2,164,831 24,486 SH   SOLE   0 0 24,486
CONOCOPHILLIPS COM 20825C104   1,337,847 13,485 SH   SOLE   0 0 13,485
CVS HEALTH CORP COM 126650100   2,830,833 38,095 SH   SOLE   0 0 38,095
EXXON MOBIL CORP COM 30231G102   2,846,542 25,958 SH   SOLE   0 0 25,958
FIRST TR EXCH TRD ALPHDX FD EM SML CP ALPH 33737J307   1,971,274 52,977 SH   SOLE   0 0 52,977
FRANCO NEV CORP COM 351858105   2,341,694 16,061 SH   SOLE   0 0 16,061
HOME DEPOT INC COM 437076102   413,463 1,401 SH   SOLE   0 0 1,401
ISHARES TR 20 YR TR BD ETF 464287432   5,851,857 55,014 SH   SOLE   0 0 55,014
ISHARES TR INTERNATIONAL SL 46434V266   4,246,571 136,623 SH   SOLE   0 0 136,623
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   8,608,654 170,031 SH   SOLE   0 0 170,031
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   30,798,316 649,891 SH   SOLE   0 0 649,891
JOHNSON & JOHNSON COM 478160104   4,829,798 31,160 SH   SOLE   0 0 31,160
LOCKHEED MARTIN CORP COM 539830109   248,656 526 SH   SOLE   0 0 526
MICROSOFT CORP COM 594918104   4,851,629 16,828 SH   SOLE   0 0 16,828
PACER FDS TR EMRG MKT CASH 69374H865   3,407,764 179,356 SH   SOLE   0 0 179,356
PEPSICO INC COM 713448108   2,905,231 15,937 SH   SOLE   0 0 15,937
PROCTER AND GAMBLE CO COM 742718109   3,055,172 20,547 SH   SOLE   0 0 20,547
QUALCOMM INC COM 747525103   2,676,563 20,979 SH   SOLE   0 0 20,979
RAYTHEON TECHNOLOGIES CORP COM 75513E101   2,661,256 27,175 SH   SOLE   0 0 27,175
ROSS STORES INC COM 778296103   1,532,169 14,437 SH   SOLE   0 0 14,437
SCHWAB CHARLES CORP COM 808513105   1,389,641 26,530 SH   SOLE   0 0 26,530
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   235,424 4,867 SH   SOLE   0 0 4,867
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   21,201,207 289,792 SH   SOLE   0 0 289,792
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   349,141 7,443 SH   SOLE   0 0 7,443
SPDR SER TR PORTFOLIO LN TSR 78464A664   11,105,543 359,635 SH   SOLE   0 0 359,635
SPDR SER TR PORTFOLIO S&P600 78468R853   3,760,112 99,553 SH   SOLE   0 0 99,553
WALMART INC COM 931142103   2,443,224 16,570 SH   SOLE   0 0 16,570