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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
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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
AFLAC INC COM 001055102   258,080 4,000 SH   SOLE   0 0 4,000
ABBOTT LABS COM 002824100   1,178,439 11,638 SH   SOLE   0 0 11,638
ABRDN PALLADIUM ETF TRUST PHYSICAL PALLADM 003262102   3,537,373 26,195 SH   SOLE   0 0 26,195
AMAZON COM INC COM 023135106   1,444,511 13,985 SH   SOLE   0 0 13,985
AMERICAN EXPRESS CO COM 025816109   397,482 2,410 SH   SOLE   0 0 2,410
AMER STATES WTR CO COM 029899101   2,283,934 25,694 SH   SOLE   0 0 25,694
AMERICAN WTR WKS CO INC NEW COM 030420103   7,573,182 51,698 SH   SOLE   0 0 51,698
AMGEN INC COM 031162100   507,312 2,099 SH   SOLE   0 0 2,099
APPLE INC COM 037833100   12,940,652 78,476 SH   SOLE   0 0 78,476
BERKSHIRE HATHAWAY INC CL B NEW 084670207   4,837,963 15,669 SH   SOLE   0 0 15,669
1/100 BERKSHIRE HATHAWAY A COM 084990175   1,862,400 400 SH   SOLE   0 0 400
BOEING CO COM 097023105   246,419 1,160 SH   SOLE   0 0 1,160
CSW INDUSTRIALS INC COM 126402106   395,534 2,847 SH   SOLE   0 0 2,847
CVS HEALTH CORP COM 126650100   240,374 3,235 SH   SOLE   0 0 3,235
CALIFORNIA WTR SVC GROUP COM 130788102   2,264,408 38,907 SH   SOLE   0 0 38,907
CAMDEN NATL CORP COM 133034108   254,741 7,039 SH   SOLE   0 0 7,039
CATERPILLAR INC COM 149123101   320,490 1,401 SH   SOLE   0 0 1,401
CHEVRON CORP NEW COM 166764100   671,893 4,118 SH   SOLE   0 0 4,118
COCA COLA CO COM 191216100   548,868 8,848 SH   SOLE   0 0 8,848
COLGATE PALMOLIVE CO COM 194162103   382,213 5,086 SH   SOLE   0 0 5,086
CONSOLIDATED EDISON INC COM 209115104   268,737 2,809 SH   SOLE   0 0 2,809
DBX ETF TR XTRCKR MSCI US 233051150   360,817 9,602 SH   SOLE   0 0 9,602
DEERE & CO COM 244199105   534,852 1,295 SH   SOLE   0 0 1,295
DISNEY WALT CO COM 254687106   359,854 3,594 SH   SOLE   0 0 3,594
EMERSON ELEC CO COM 291011104   224,647 2,578 SH   SOLE   0 0 2,578
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   913,724 36,681 SH   SOLE   0 0 36,681
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865   466,508 10,646 SH   SOLE   0 0 10,646
GENERAL DYNAMICS CORP COM 369550108   476,592 2,088 SH   SOLE   0 0 2,088
GENERAL MLS INC COM 370334104   374,523 4,382 SH   SOLE   0 0 4,382
GENUINE PARTS CO COM 372460105   201,776 1,206 SH   SOLE   0 0 1,206
GILEAD SCIENCES INC COM 375558103   212,818 2,565 SH   SOLE   0 0 2,565
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   5,132,613 166,589 SH   SOLE   0 0 166,589
HOME DEPOT INC COM 437076102   662,197 2,244 SH   SOLE   0 0 2,244
HONEYWELL INTL INC COM 438516106   304,027 1,591 SH   SOLE   0 0 1,591
INTEL CORP COM 458140100   551,939 16,894 SH   SOLE   0 0 16,894
INTERNATIONAL BUSINESS MACHS COM 459200101   517,124 3,945 SH   SOLE   0 0 3,945
ISHARES TR CORE S&P TTL STK 464287150   456,000 5,036 SH   SOLE   0 0 5,036
ISHARES TR TIPS BD ETF 464287176   447,615 4,060 SH   SOLE   0 0 4,060
ISHARES TR CORE S&P500 ETF 464287200   1,475,008 3,588 SH   SOLE   0 0 3,588
ISHARES TR IBOXX INV CP ETF 464287242   9,747,833 88,932 SH   SOLE   0 0 88,932
ISHARES TR S&P 500 GRWT ETF 464287309   479,431 7,504 SH   SOLE   0 0 7,504
ISHARES TR 20 YR TR BD ETF 464287432   15,968,772 150,125 SH   SOLE   0 0 150,125
ISHARES TR MSCI EAFE ETF 464287465   2,220,624 31,049 SH   SOLE   0 0 31,049
ISHARES TR CORE S&P MCP ETF 464287507   1,090,305 4,358 SH   SOLE   0 0 4,358
ISHARES TR ISHARES SEMICDTR 464287523   14,276,931 32,107 SH   SOLE   0 0 32,107
ISHARES TR ISHARES BIOTECH 464287556   678,170 5,251 SH   SOLE   0 0 5,251
ISHARES TR COHEN STEER REIT 464287564   1,364,324 24,565 SH   SOLE   0 0 24,565
ISHARES TR RUSSELL 2000 ETF 464287655   234,730 1,316 SH   SOLE   0 0 1,316
ISHARES TR RUSSELL 3000 ETF 464287689   683,160 2,902 SH   SOLE   0 0 2,902
ISHARES TR CORE S&P SCP ETF 464287804   1,195,508 12,363 SH   SOLE   0 0 12,363
ISHARES TR INTL TREA BD ETF 464288117   206,599 5,138 SH   SOLE   0 0 5,138
ISHARES TR MBS ETF 464288588   1,785,945 18,853 SH   SOLE   0 0 18,853
ISHARES TR PFD AND INCM SEC 464288687   1,427,026 45,709 SH   SOLE   0 0 45,709
ISHARES TR US AER DEF ETF 464288760   2,189,742 19,028 SH   SOLE   0 0 19,028
ISHARES TR US HLTHCR PR ETF 464288828   503,072 2,035 SH   SOLE   0 0 2,035
JOHNSON & JOHNSON COM 478160104   2,065,197 13,324 SH   SOLE   0 0 13,324
KIMBERLY-CLARK CORP COM 494368103   469,835 3,500 SH   SOLE   0 0 3,500
KIRBY CORP COM 497266106   435,067 6,242 SH   SOLE   0 0 6,242
LEGGETT & PLATT INC COM 524660107   5,779,557 181,291 SH   SOLE   0 0 181,291
LILLY ELI & CO COM 532457108   2,723,492 7,931 SH   SOLE   0 0 7,931
LOCKHEED MARTIN CORP COM 539830109   243,842 516 SH   SOLE   0 0 516
MCDONALDS CORP COM 580135101   271,045 969 SH   SOLE   0 0 969
MICROSOFT CORP COM 594918104   2,562,468 8,888 SH   SOLE   0 0 8,888
NOVO-NORDISK A S ADR 670100205   424,382 2,667 SH   SOLE   0 0 2,667
PAYCHEX INC COM 704326107   539,031 4,704 SH   SOLE   0 0 4,704
PEPSICO INC COM 713448108   315,160 1,729 SH   SOLE   0 0 1,729
PFIZER INC COM 717081103   858,320 21,037 SH   SOLE   0 0 21,037
PROCTER AND GAMBLE CO COM 742718109   863,438 5,807 SH   SOLE   0 0 5,807
QUALCOMM INC COM 747525103   371,709 2,914 SH   SOLE   0 0 2,914
SJW GROUP COM 784305104   2,150,860 28,252 SH   SOLE   0 0 28,252
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   25,277,162 528,258 SH   SOLE   0 0 528,258
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   10,523,909 217,571 SH   SOLE   0 0 217,571
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   11,347,789 167,248 SH   SOLE   0 0 167,248
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   11,725,454 279,644 SH   SOLE   0 0 279,644
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   1,035,149 39,737 SH   SOLE   0 0 39,737
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   1,662,758 30,276 SH   SOLE   0 0 30,276
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789   1,284,484 23,734 SH   SOLE   0 0 23,734
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   14,114,156 192,922 SH   SOLE   0 0 192,922
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   8,768,208 251,960 SH   SOLE   0 0 251,960
SCHWAB STRATEGIC TR US REIT ETF 808524847   5,903,547 302,746 SH   SOLE   0 0 302,746
SCHWAB STRATEGIC TR US TIPS ETF 808524870   2,042,139 38,093 SH   SOLE   0 0 38,093
SOUTHERN CO COM 842587107   726,119 10,436 SH   SOLE   0 0 10,436
STARBUCKS CORP COM 855244109   225,346 2,164 SH   SOLE   0 0 2,164
TEXAS INSTRS INC COM 882508104   458,701 2,466 SH   SOLE   0 0 2,466
UNION PAC CORP COM 907818108   286,291 1,422 SH   SOLE   0 0 1,422
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   440,237 2,858 SH   SOLE   0 0 2,858
VANGUARD WORLD FD ESG US STK ETF 921910733   408,962 5,703 SH   SOLE   0 0 5,703
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,316,611 95,564 SH   SOLE   0 0 95,564
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   362,190 3,933 SH   SOLE   0 0 3,933
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   386,644 7,231 SH   SOLE   0 0 7,231
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   682,598 16,896 SH   SOLE   0 0 16,896
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,605,871 31,699 SH   SOLE   0 0 31,699
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,519,113 9,358 SH   SOLE   0 0 9,358
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   8,982,004 108,165 SH   SOLE   0 0 108,165
VANGUARD INDEX FDS MID CAP ETF 922908629   10,580,928 50,166 SH   SOLE   0 0 50,166
VANGUARD INDEX FDS VALUE ETF 922908744   1,043,667 7,557 SH   SOLE   0 0 7,557
VANGUARD INDEX FDS SMALL CP ETF 922908751   8,628,271 45,517 SH   SOLE   0 0 45,517
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,074,916 5,267 SH   SOLE   0 0 5,267
WALMART INC COM 931142103   235,698 1,598 SH   SOLE   0 0 1,598
RAYTHEON TECHNOLOGIES CORP COM 75513E101   1,937,331 19,783 SH   SOLE   0 0 19,783
INVESCO QQQ TR UNIT SER 1 46090E103   6,374,421 19,862 SH   SOLE   0 0 19,862
SPDR INDEX SHS FDS MSCI EAFE FS ETF 78470E106   359,258 9,699 SH   SOLE   0 0 9,699
TRAVELERS COMPANIES INC COM 89417E109   391,843 2,286 SH   SOLE   0 0 2,286
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719   413,996 23,643 SH   SOLE   0 0 23,643
AT&T INC COM 00206R102   238,580 12,394 SH   SOLE   0 0 12,394
ABBVIE INC COM 00287Y109   1,047,260 6,571 SH   SOLE   0 0 6,571
ALPHABET INC CAP STK CL C 02079K107   1,060,384 10,196 SH   SOLE   0 0 10,196
ALPHABET INC CAP STK CL A 02079K305   2,342,327 22,581 SH   SOLE   0 0 22,581
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108   377,291 5,654 SH   SOLE   0 0 5,654
CISCO SYS INC COM 17275R102   628,293 12,019 SH   SOLE   0 0 12,019
COLUMBIA ETF TR II EM CORE EX ETF 19762B202   1,913,525 70,740 SH   SOLE   0 0 70,740
COSTCO WHSL CORP NEW COM 22160K105   1,536,065 3,091 SH   SOLE   0 0 3,091
DIAGEO PLC SPON ADR NEW 25243Q205   432,295 2,386 SH   SOLE   0 0 2,386
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   386,167 14,329 SH   SOLE   0 0 14,329
DUKE ENERGY CORP NEW COM NEW 26441C204   1,330,755 13,795 SH   SOLE   0 0 13,795
ESSENTIAL UTILS INC COM 29670G102   4,501,865 103,136 SH   SOLE   0 0 103,136
EXXON MOBIL CORP COM 30231G102   984,795 8,980 SH   SOLE   0 0 8,980
META PLATFORMS INC CL A 30303M102   345,462 1,630 SH   SOLE   0 0 1,630
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   214,968 10,600 SH   SOLE   0 0 10,600
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   275,906 13,400 SH   SOLE   0 0 13,400
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   288,796 13,700 SH   SOLE   0 0 13,700
ISHARES TR GNMA BOND ETF 46429B333   319,756 7,192 SH   SOLE   0 0 7,192
ISHARES TR FLTG RATE NT ETF 46429B655   215,216 4,271 SH   SOLE   0 0 4,271
ISHARES TR CORE HIGH DV ETF 46429B663   804,232 7,911 SH   SOLE   0 0 7,911
ISHARES TR 0-5 YR TIPS ETF 46429B747   2,186,064 22,030 SH   SOLE   0 0 22,030
ISHARES U S ETF TR BLOOMBERG ROLL 46431W598   1,235,588 23,983 SH   SOLE   0 0 23,983
ISHARES TR CORE MSCI EAFE 46432F842   851,468 12,737 SH   SOLE   0 0 12,737
ISHARES TR CORE DIV GRWTH 46434V621   4,478,579 89,590 SH   SOLE   0 0 89,590
JPMORGAN CHASE & CO COM 46625H100   568,695 4,364 SH   SOLE   0 0 4,364
MERCK & CO INC COM 58933Y105   1,350,664 12,695 SH   SOLE   0 0 12,695
NEXTERA ENERGY INC COM 65339F101   681,628 8,843 SH   SOLE   0 0 8,843
NVIDIA CORPORATION COM 67066G104   581,095 2,092 SH   SOLE   0 0 2,092
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   2,961,570 31,212 SH   SOLE   0 0 31,212
PIMCO ETF TR ACTIVE BD ETF 72201R775   448,290 4,833 SH   SOLE   0 0 4,833
PIMCO ETF TR INV GRD CRP BD 72201R817   1,464,549 15,224 SH   SOLE   0 0 15,224
PLANET FITNESS INC CL A 72703H101   616,311 7,935 SH   SOLE   0 0 7,935
PROSHARES TR SHORT S&P 500 NE 74347B425   7,975,755 531,717 SH   SOLE   0 0 531,717
PROSHARES TR PSHS ULT S&P 500 74347R107   1,667,644 33,220 SH   SOLE   0 0 33,220
PROSHARES TR PSHS ULTRA QQQ 74347R206   3,507,276 70,754 SH   SOLE   0 0 70,754
PROSHARES TR II ULSHT BLOOMB OIL 74347Y797   4,398,872 174,420 SH   SOLE   0 0 174,420
S&P GLOBAL INC COM 78409V104   796,419 2,310 SH   SOLE   0 0 2,310
SPDR S&P 500 ETF TR TR UNIT 78462F103   20,452,927 49,960 SH   SOLE   0 0 49,960
SPDR GOLD TR GOLD SHS 78463V107   8,903,026 48,592 SH   SOLE   0 0 48,592
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   221,436 7,150 SH   SOLE   0 0 7,150
SPDR SER TR BBG CONV SEC ETF 78464A359   2,107,138 31,417 SH   SOLE   0 0 31,417
SPDR SER TR PRTFLO S&P500 GW 78464A409   203,060 3,668 SH   SOLE   0 0 3,668
SPDR SER TR PORTFLI TIPS ETF 78464A656   526,339 19,735 SH   SOLE   0 0 19,735
SPDR SER TR PORTFOLIO LN TSR 78464A664   1,361,283 44,083 SH   SOLE   0 0 44,083
SPDR SER TR S&P DIVID ETF 78464A763   9,986,873 80,728 SH   SOLE   0 0 80,728
SPDR SER TR BLOOMBERG INVT 78468R200   2,033,059 66,811 SH   SOLE   0 0 66,811
SPDR SER TR NUVEEN BLMBRG MU 78468R721   2,237,013 47,779 SH   SOLE   0 0 47,779
SPDR SER TR SPDR S&P 500 ETF 78468R796   533,369 16,046 SH   SOLE   0 0 16,046
SELECT SECTOR SPDR TR ENERGY 81369Y506   2,321,642 28,029 SH   SOLE   0 0 28,029
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   527,446 16,406 SH   SOLE   0 0 16,406
TESLA INC COM 88160R101   223,999 1,080 SH   SOLE   0 0 1,080
VALERO ENERGY CORP COM 91913Y100   629,561 4,510 SH   SOLE   0 0 4,510
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,985,174 40,580 SH   SOLE   0 0 40,580
VANGUARD WORLD FDS UTILITIES ETF 92204A876   16,138,834 109,401 SH   SOLE   0 0 109,401
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   588,624 6,089 SH   SOLE   0 0 6,089
VERIZON COMMUNICATIONS INC COM 92343V104   897,923 23,089 SH   SOLE   0 0 23,089
VISA INC COM CL A 92826C839   757,137 3,358 SH   SOLE   0 0 3,358
WASTE MGMT INC DEL COM 94106L109   329,440 2,019 SH   SOLE   0 0 2,019
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   15,042,629 299,237 SH   SOLE   0 0 299,237
LUMIRADX LTD SHS G5709L109   28,039 60,298 SH   SOLE   0 0 60,298