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
ABBOTT LABS COM 002824100   1,534,784 14,078 SH   SOLE   14,078 0 0
AMAZON COM INC COM 023135106   1,193,837 9,158 SH   SOLE   9,158 0 0
AMERICAN WTR WKS CO INC NEW COM 030420103   285,500 2,000 SH   SOLE   2,000 0 0
AMGEN INC COM 031162100   621,656 2,800 SH   SOLE   2,800 0 0
APPLE INC COM 037833100   17,811,877 91,828 SH   SOLE   91,828 0 0
BOEING CO COM 097023105   368,685 1,746 SH   SOLE   1,746 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   1,543,305 24,133 SH   SOLE   24,133 0 0
CVS HEALTH CORP COM 126650100   845,253 12,227 SH   SOLE   12,227 0 0
COCA COLA CO COM 191216100   3,006,664 49,928 SH   SOLE   49,928 0 0
DANAHER CORPORATION COM 235851102   598,320 2,493 SH   SOLE   2,493 0 0
DEERE & CO COM 244199105   243,114 600 SH   SOLE   600 0 0
DISNEY WALT CO COM 254687106   381,851 4,277 SH   SOLE   4,277 0 0
EDISON INTL COM 281020107   479,607 6,906 SH   SOLE   6,906 0 0
GENERAL DYNAMICS CORP COM 369550108   376,513 1,750 SH   SOLE   1,750 0 0
GE AEROSPACE COM NEW 369604301   344,380 3,135 SH   SOLE   3,135 0 0
GENERAL MLS INC COM 370334104   1,072,726 13,986 SH   SOLE   13,986 0 0
GILEAD SCIENCES INC COM 375558103   479,298 6,219 SH   SOLE   6,219 0 0
GRAINGER W W INC COM 384802104   473,154 600 SH   SOLE   600 0 0
INTEL CORP COM 458140100   1,112,382 33,265 SH   SOLE   33,265 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   2,181,237 16,301 SH   SOLE   16,301 0 0
ISHARES TR S&P 100 ETF 464287101   2,961,372 14,302 SH   SOLE   14,302 0 0
ISHARES TR SELECT DIVID ETF 464287168   28,629,209 252,685 SH   SOLE   252,685 0 0
ISHARES TR CORE S&P500 ETF 464287200   72,766,192 163,259 SH   SOLE   163,259 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   780,662 19,734 SH   SOLE   19,734 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   4,155,515 58,960 SH   SOLE   58,960 0 0
ISHARES TR S&P 500 VAL ETF 464287408   3,006,677 18,653 SH   SOLE   18,653 0 0
ISHARES TR RUS MD CP GR ETF 464287481   353,473 3,658 SH   SOLE   3,658 0 0
ISHARES TR RUS MID CAP ETF 464287499   1,970,642 26,984 SH   SOLE   26,984 0 0
ISHARES TR CORE S&P MCP ETF 464287507   1,882,298 7,199 SH   SOLE   7,199 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   762,982 2,773 SH   SOLE   2,773 0 0
ISHARES TR RUS 1000 ETF 464287622   3,122,309 12,810 SH   SOLE   12,810 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   414,093 2,941 SH   SOLE   2,941 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   610,875 3,262 SH   SOLE   3,262 0 0
ISHARES TR CORE S&P US GWT 464287671   509,193 5,215 SH   SOLE   5,215 0 0
ISHARES TR CORE S&P SCP ETF 464287804   1,327,613 13,323 SH   SOLE   13,323 0 0
ISHARES TR NATIONAL MUN ETF 464288414   1,180,325 11,059 SH   SOLE   11,059 0 0
JOHNSON & JOHNSON COM 478160104   3,347,476 20,224 SH   SOLE   20,224 0 0
LOWES COS INC COM 548661107   1,275,205 5,650 SH   SOLE   5,650 0 0
MCDONALDS CORP COM 580135101   243,204 815 SH   SOLE   815 0 0
MICROSOFT CORP COM 594918104   20,314,233 59,653 SH   SOLE   59,653 0 0
NIKE INC CL B 654106103   1,660,958 15,049 SH   SOLE   15,049 0 0
NORFOLK SOUTHN CORP COM 655844108   963,050 4,247 SH   SOLE   4,247 0 0
PALO ALTO NETWORKS INC COM 697435105   1,750,244 6,850 SH   SOLE   6,850 0 0
PEPSICO INC COM 713448108   3,783,119 20,425 SH   SOLE   20,425 0 0
PFIZER INC COM 717081103   1,341,278 36,567 SH   SOLE   36,567 0 0
PROCTER AND GAMBLE CO COM 742718109   3,377,732 22,260 SH   SOLE   22,260 0 0
PROGRESSIVE CORP COM 743315103   11,191,222 84,545 SH   SOLE   84,545 0 0
STARBUCKS CORP COM 855244109   1,591,894 16,070 SH   SOLE   16,070 0 0
STRYKER CORPORATION COM 863667101   3,265,378 10,703 SH   SOLE   10,703 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   2,843,930 17,509 SH   SOLE   17,509 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   566,856 12,275 SH   SOLE   12,275 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   619,706 15,234 SH   SOLE   15,234 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   378,883 1,339 SH   SOLE   1,339 0 0
ALPHABET INC CAP STK CL C 02079K107   1,938,181 16,022 SH   SOLE   16,022 0 0
ALPHABET INC CAP STK CL A 02079K305   2,335,586 19,512 SH   SOLE   19,512 0 0
AMERICAN TOWER CORP NEW COM 03027X100   387,880 2,000 SH   SOLE   2,000 0 0
BLACKSTONE INC COM 09260D107   697,647 7,504 SH   SOLE   7,504 0 0
CISCO SYS INC COM 17275R102   607,117 11,734 SH   SOLE   11,734 0 0
COMCAST CORP NEW CL A 20030N101   278,260 6,697 SH   SOLE   6,697 0 0
COSTCO WHSL CORP NEW COM 22160K105   1,076,760 2,000 SH   SOLE   2,000 0 0
EXXON MOBIL CORP COM 30231G102   1,947,446 18,158 SH   SOLE   18,158 0 0
FEDEX CORP COM 31428X106   723,124 2,917 SH   SOLE   2,917 0 0
FLEXSHARES TR GLB QLT R/E IDX 33939L787   4,512,575 85,078 SH   SOLE   85,078 0 0
JPMORGAN CHASE & CO. COM 46625H100   851,551 5,855 SH   SOLE   5,855 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   11,624,481 210,094 SH   SOLE   210,094 0 0
MERCK & CO INC COM 58933Y105   644,569 5,586 SH   SOLE   5,586 0 0
NOVARTIS AG SPONSORED ADR 66987V109   715,654 7,092 SH   SOLE   7,092 0 0
NVIDIA CORPORATION COM 67066G104   270,733 640 SH   SOLE   640 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   2,046,251 5,951 SH   SOLE   5,951 0 0
SALESFORCE INC COM 79466L302   422,520 2,000 SH   SOLE   2,000 0 0
3M CO COM 88579Y101   508,157 5,077 SH   SOLE   5,077 0 0
VISA INC COM CL A 92826C839   368,331 1,551 SH   SOLE   1,551 0 0
WISDOMTREE TR US LARGECAP DIVD 97717W307   1,059,830 16,664 SH   SOLE   16,664 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   601,731 1,950 SH   SOLE   1,950 0 0
EATON CORP PLC SHS G29183103   2,749,841 13,674 SH   SOLE   13,674 0 0
MEDTRONIC PLC SHS G5960L103   1,086,714 12,335 SH   SOLE   12,335 0 0
ISHARES TR US REGNL BKS ETF 464288778   257,260 7,600 SH   SOLE   7,600 0 0
ABBVIE INC COM 00287Y109   683,485 5,073 SH   SOLE   5,073 0 0
ORACLE CORP COM 68389X105   216,029 1,814 SH   SOLE   1,814 0 0