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 2,073 11,671 SH   SOLE 0 0 0 11,671
ABBOTT LABS COM 002824100 1,959 13,917 SH   SOLE 0 0 0 13,917
ABBVIE INC COM 00287Y109 1,471 10,866 SH   SOLE 0 0 0 10,866
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 666 1,606 SH   SOLE 0 0 0 1,606
AFLAC INC COM 001055102 413 7,072 SH   SOLE 0 0 0 7,072
AGENUS INC COM NEW 00847G705 113 35,151 SH   SOLE 0 0 0 35,151
AGILENT TECHNOLOGIES INC COM 00846U101 339 2,126 SH   SOLE 0 0 0 2,126
AIR PRODS & CHEMS INC COM 009158106 568 1,868 SH   SOLE 0 0 0 1,868
ALLIANT ENERGY CORP COM 018802108 521 8,478 SH   SOLE 0 0 0 8,478
ALPHABET INC CAP STK CL C 02079K107 2,419 836 SH   SOLE 0 0 0 836
ALPHABET INC CAP STK CL A 02079K305 4,308 1,487 SH   SOLE 0 0 0 1,487
ALTRIA GROUP INC COM 02209S103 684 14,443 SH   SOLE 0 0 0 14,443
AMAZON COM INC COM 023135106 4,055 1,216 SH   SOLE 0 0 0 1,216
AMERICAN ELEC PWR CO INC COM 025537101 646 7,265 SH   SOLE 0 0 0 7,265
AMERICAN EXPRESS CO COM 025816109 762 4,659 SH   SOLE 0 0 0 4,659
AMERICAN TOWER CORP NEW COM 03027X100 1,633 5,583 SH   SOLE 0 0 0 5,583
AMGEN INC COM 031162100 397 1,767 SH   SOLE 0 0 0 1,767
AMPHENOL CORP NEW CL A 032095101 401 4,580 SH   SOLE 0 0 0 4,580
APPLE INC COM 037833100 14,177 79,838 SH   SOLE 0 0 0 79,838
AT&T INC COM 00206R102 474 19,268 SH   SOLE 0 0 0 19,268
AUTOMATIC DATA PROCESSING IN COM 053015103 1,011 4,102 SH   SOLE 0 0 0 4,102
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 620 21,591 SH   SOLE 0 0 0 21,591
BECTON DICKINSON & CO COM 075887109 361 1,435 SH   SOLE 0 0 0 1,435
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 5,528 18,487 SH   SOLE 0 0 0 18,487
BK OF AMERICA CORP COM 060505104 2,986 67,109 SH   SOLE 0 0 0 67,109
BLACKROCK INC COM 09247X101 253 276 SH   SOLE 0 0 0 276
BLACKSTONE INC COM 09260D107 974 7,524 SH   SOLE 0 0 0 7,524
BLEND LABS INC CL A 09352U108 76 10,369 SH   SOLE 0 0 0 10,369
BOEING CO COM 097023105 999 4,961 SH   SOLE 0 0 0 4,961
BRISTOL-MYERS SQUIBB CO COM 110122108 940 15,073 SH   SOLE 0 0 0 15,073
BROADCOM INC COM 11135F101 797 1,197 SH   SOLE 0 0 0 1,197
CANADIAN PAC RY LTD COM 13645T100 266 3,692 SH   SOLE 0 0 0 3,692
CARRIER GLOBAL CORPORATION COM 14448C104 350 6,460 SH   SOLE 0 0 0 6,460
CATERPILLAR INC COM 149123101 1,437 6,949 SH   SOLE 0 0 0 6,949
CELANESE CORP DEL COM 150870103 1,115 6,636 SH   SOLE 0 0 0 6,636
CHEVRON CORP NEW COM 166764100 1,476 12,574 SH   SOLE 0 0 0 12,574
CHUBB LIMITED COM H1467J104 752 3,890 SH   SOLE 0 0 0 3,890
CHURCH & DWIGHT CO INC COM 171340102 284 2,766 SH   SOLE 0 0 0 2,766
CHURCHILL DOWNS INC COM 171484108 988 4,100 SH   SOLE 0 0 0 4,100
CINTAS CORP COM 172908105 300 677 SH   SOLE 0 0 0 677
CISCO SYS INC COM 17275R102 3,304 52,144 SH   SOLE 0 0 0 52,144
CITIGROUP INC COM NEW 172967424 310 5,138 SH   SOLE 0 0 0 5,138
CLOROX CO DEL COM 189054109 493 2,829 SH   SOLE 0 0 0 2,829
COCA COLA CO COM 191216100 1,603 27,068 SH   SOLE 0 0 0 27,068
COLGATE PALMOLIVE CO COM 194162103 1,098 12,867 SH   SOLE 0 0 0 12,867
COMCAST CORP NEW CL A 20030N101 952 18,911 SH   SOLE 0 0 0 18,911
CONOCOPHILLIPS COM 20825C104 601 8,331 SH   SOLE 0 0 0 8,331
CONSTELLATION BRANDS INC CL A 21036P108 602 2,397 SH   SOLE 0 0 0 2,397
COSTCO WHSL CORP NEW COM 22160K105 3,639 6,409 SH   SOLE 0 0 0 6,409
CROWN CASTLE INTL CORP NEW COM 22822V101 1,135 5,435 SH   SOLE 0 0 0 5,435
CSX CORP COM 126408103 2,011 53,472 SH   SOLE 0 0 0 53,472
CUMMINS INC COM 231021106 2,189 10,035 SH   SOLE 0 0 0 10,035
CVS HEALTH CORP COM 126650100 1,148 11,129 SH   SOLE 0 0 0 11,129
DANAHER CORPORATION COM 235851102 1,220 3,708 SH   SOLE 0 0 0 3,708
DBX ETF TR XTRACK MSCI EAFE 233051200 309 7,875 SH   SOLE 0 0 0 7,875
DEERE & CO COM 244199105 1,112 3,243 SH   SOLE 0 0 0 3,243
DISNEY WALT CO COM 254687106 5,293 34,172 SH   SOLE 0 0 0 34,172
DUKE ENERGY CORP NEW COM NEW 26441C204 809 7,710 SH   SOLE 0 0 0 7,710
DUPONT DE NEMOURS INC COM 26614N102 204 2,526 SH   SOLE 0 0 0 2,526
EASTMAN CHEM CO COM 277432100 580 4,794 SH   SOLE 0 0 0 4,794
EATON CORP PLC SHS G29183103 245 1,415 SH   SOLE 0 0 0 1,415
ECOLAB INC COM 278865100 258 1,100 SH   SOLE 0 0 0 1,100
EMERSON ELEC CO COM 291011104 549 5,903 SH   SOLE 0 0 0 5,903
EQUINIX INC COM 29444U700 228 269 SH   SOLE 0 0 0 269
EXELON CORP COM 30161N101 738 12,771 SH   SOLE 0 0 0 12,771
EXTRA SPACE STORAGE INC COM 30225T102 279 1,231 SH   SOLE 0 0 0 1,231
EXXON MOBIL CORP COM 30231G102 576 9,420 SH   SOLE 0 0 0 9,420
FASTENAL CO COM 311900104 284 4,438 SH   SOLE 0 0 0 4,438
FEDEX CORP COM 31428X106 1,143 4,421 SH   SOLE 0 0 0 4,421
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 382 5,558 SH   SOLE 0 0 0 5,558
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 307 6,620 SH   SOLE 0 0 0 6,620
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 339 2,506 SH   SOLE 0 0 0 2,506
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 379 6,771 SH   SOLE 0 0 0 6,771
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 9,864 186,042 SH   SOLE 0 0 0 186,042
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 1,528 26,813 SH   SOLE 0 0 0 26,813
FISERV INC COM 337738108 267 2,572 SH   SOLE 0 0 0 2,572
FORD MTR CO DEL COM 345370860 258 12,434 SH   SOLE 0 0 0 12,434
FRANKLIN TEMPLETON ETF TR FTSE JAPAN ETF 35473P744 553 18,831 SH   SOLE 0 0 0 18,831
FRANKLIN TEMPLETON ETF TR FTSE UNTD KGDM 35473P678 1,105 43,494 SH   SOLE 0 0 0 43,494
GALLAGHER ARTHUR J & CO COM 363576109 1,196 7,050 SH   SOLE 0 0 0 7,050
GENERAL ELECTRIC CO COM NEW 369604301 340 3,597 SH   SOLE 0 0 0 3,597
GENERAL MLS INC COM 370334104 329 4,887 SH   SOLE 0 0 0 4,887
GLOBAL X FDS US INFR DEV ETF 37954Y673 1,718 59,669 SH   SOLE 0 0 0 59,669
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 1,232 12,953 SH   SOLE 0 0 0 12,953
GRAINGER W W INC COM 384802104 860 1,660 SH   SOLE 0 0 0 1,660
GRANITESHARES ETF TR BBG COMMD K 1 38747R108 1,249 48,701 SH   SOLE 0 0 0 48,701
HERSHEY CO COM 427866108 706 3,650 SH   SOLE 0 0 0 3,650
HOME DEPOT INC COM 437076102 2,770 6,675 SH   SOLE 0 0 0 6,675
HONEYWELL INTL INC COM 438516106 1,539 7,381 SH   SOLE 0 0 0 7,381
ILLINOIS TOOL WKS INC COM 452308109 542 2,196 SH   SOLE 0 0 0 2,196
INTEL CORP COM 458140100 1,993 38,701 SH   SOLE 0 0 0 38,701
INTERNATIONAL BUSINESS MACHS COM 459200101 716 5,360 SH   SOLE 0 0 0 5,360
INTERNATIONAL PAPER CO COM 460146103 287 6,105 SH   SOLE 0 0 0 6,105
INTUIT COM 461202103 1,151 1,790 SH   SOLE 0 0 0 1,790
INVESCO ACTIVELY MANAGED ETF TOTAL RETURN 46090A804 1,075 19,070 SH   SOLE 0 0 0 19,070
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 254 3,697 SH   SOLE 0 0 0 3,697
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 4,279 26,165 SH   SOLE 0 0 0 26,165
INVESCO EXCHANGE TRADED FD T DYNMC BIOTECH 46137V787 250 3,513 SH   SOLE 0 0 0 3,513
INVESCO EXCHANGE TRADED FD T DYNMC LEISURE 46137V720 339 6,921 SH   SOLE 0 0 0 6,921
INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506 716 18,009 SH   SOLE 0 0 0 18,009
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308 509 5,270 SH   SOLE 0 0 0 5,270
INVESCO EXCHANGE TRADED FD T FINL PFD ETF 46137V621 245 13,018 SH   SOLE 0 0 0 13,018
INVESCO EXCHANGE TRADED FD T DYNMC SOFTWARE 46137V639 369 2,892 SH   SOLE 0 0 0 2,892
INVESCO QQQ TR UNIT SER 1 46090E103 4,845 12,178 SH   SOLE 0 0 0 12,178
ISHARES GOLD TR ISHARES NEW 464285204 2,182 62,684 SH   SOLE 0 0 0 62,684
ISHARES INC CORE MSCI EMKT 46434G103 7,344 122,680 SH   SOLE 0 0 0 122,680
ISHARES INC MSCI JPN ETF NEW 46434G822 698 10,421 SH   SOLE 0 0 0 10,421
ISHARES INC MSCI EURZONE ETF 464286608 1,149 23,442 SH   SOLE 0 0 0 23,442
ISHARES INC MSCI PAC JP ETF 464286665 643 13,456 SH   SOLE 0 0 0 13,456
ISHARES INC MSCI GERMANY ETF 464286806 1,285 39,190 SH   SOLE 0 0 0 39,190
ISHARES TR U.S. TECH ETF 464287721 3,316 28,878 SH   SOLE 0 0 0 28,878
ISHARES TR ISHARES BIOTECH 464287556 453 2,970 SH   SOLE 0 0 0 2,970
ISHARES TR CORE S&P MCP ETF 464287507 1,644 5,807 SH   SOLE 0 0 0 5,807
ISHARES TR CORE S&P SCP ETF 464287804 3,424 29,899 SH   SOLE 0 0 0 29,899
ISHARES TR S&P 500 VAL ETF 464287408 531 3,389 SH   SOLE 0 0 0 3,389
ISHARES TR CORE S&P500 ETF 464287200 5,104 10,701 SH   SOLE 0 0 0 10,701
ISHARES TR S&P 500 GRWT ETF 464287309 555 6,634 SH   SOLE 0 0 0 6,634
ISHARES TR RUS 1000 ETF 464287622 214 808 SH   SOLE 0 0 0 808
ISHARES TR RUSSELL 3000 ETF 464287689 291 1,049 SH   SOLE 0 0 0 1,049
ISHARES TR 1 3 YR TREAS BD 464287457 587 6,862 SH   SOLE 0 0 0 6,862
ISHARES TR BARCLAYS 7 10 YR 464287440 1,497 13,016 SH   SOLE 0 0 0 13,016
ISHARES TR 20 YR TR BD ETF 464287432 1,400 9,444 SH   SOLE 0 0 0 9,444
ISHARES TR SELECT DIVID ETF 464287168 1,478 12,057 SH   SOLE 0 0 0 12,057
ISHARES TR ISHARES SEMICDTR 464287523 1,594 2,940 SH   SOLE 0 0 0 2,940
ISHARES TR EXPANDED TECH 464287515 915 2,300 SH   SOLE 0 0 0 2,300
ISHARES TR CORE MSCI TOTAL 46432F834 4,057 57,188 SH   SOLE 0 0 0 57,188
ISHARES TR CORE MSCI EAFE 46432F842 9,306 124,680 SH   SOLE 0 0 0 124,680
ISHARES TR CORE 1 5 YR USD 46432F859 291 5,772 SH   SOLE 0 0 0 5,772
ISHARES TR HDG MSCI EAFE 46434V803 8,194 231,924 SH   SOLE 0 0 0 231,924
ISHARES TR MSCI USA MMENTM 46432F396 499 2,745 SH   SOLE 0 0 0 2,745
ISHARES TR MSCI USA QLT FCT 46432F339 4,196 28,824 SH   SOLE 0 0 0 28,824
ISHARES TR ESG AW MSCI EAFE 46435G516 204 2,570 SH   SOLE 0 0 0 2,570
ISHARES TR ESG AWR MSCI USA 46435G425 1,348 12,495 SH   SOLE 0 0 0 12,495
ISHARES TR CORE DIV GRWTH 46434V621 1,822 32,783 SH   SOLE 0 0 0 32,783
ISHARES TR CORE HIGH DV ETF 46429B663 374 3,699 SH   SOLE 0 0 0 3,699
ISHARES TR MSCI USA MIN VOL 46429B697 925 11,439 SH   SOLE 0 0 0 11,439
ISHARES TR 0-5 YR TIPS ETF 46429B747 232 2,193 SH   SOLE 0 0 0 2,193
ISHARES TR GL CLEAN ENE ETF 464288224 462 21,828 SH   SOLE 0 0 0 21,828
ISHARES TR SHRT NAT MUN ETF 464288158 704 6,560 SH   SOLE 0 0 0 6,560
ISHARES TR RUS TP200 VL ETF 464289420 275 3,931 SH   SOLE 0 0 0 3,931
ISHARES TR RUS TP200 GR ETF 464289438 314 1,810 SH   SOLE 0 0 0 1,810
ISHARES TR NATIONAL MUN ETF 464288414 2,357 20,273 SH   SOLE 0 0 0 20,273
ISHARES TR JPMORGAN USD EMG 464288281 1,041 9,541 SH   SOLE 0 0 0 9,541
ISHARES TR IBOXX HI YD ETF 464288513 2,910 33,449 SH   SOLE 0 0 0 33,449
ISHARES TR MBS ETF 464288588 1,629 15,159 SH   SOLE 0 0 0 15,159
ISHARES TR CORE S&P TTL STK 464287150 12,186 113,910 SH   SOLE 0 0 0 113,910
ISHARES TR U.S. MED DVC ETF 464288810 819 12,444 SH   SOLE 0 0 0 12,444
JANUS DETROIT STR TR HENDERSON MTG 47103U852 1,319 25,045 SH   SOLE 0 0 0 25,045
JOHNSON & JOHNSON COM 478160104 7,777 45,462 SH   SOLE 0 0 0 45,462
JPMORGAN CHASE & CO COM 46625H100 2,538 16,027 SH   SOLE 0 0 0 16,027
KELLOGG CO COM 487836108 283 4,398 SH   SOLE 0 0 0 4,398
KEYSIGHT TECHNOLOGIES INC COM 49338L103 207 1,000 SH   SOLE 0 0 0 1,000
KIMBERLY-CLARK CORP COM 494368103 1,920 13,432 SH   SOLE 0 0 0 13,432
KLA CORP COM NEW 482480100 376 875 SH   SOLE 0 0 0 875
LILLY ELI & CO COM 532457108 3,647 13,205 SH   SOLE 0 0 0 13,205
LOCKHEED MARTIN CORP COM 539830109 543 1,528 SH   SOLE 0 0 0 1,528
LOWES COS INC COM 548661107 3,215 12,438 SH   SOLE 0 0 0 12,438
M & T BK CORP COM 55261F104 244 1,588 SH   SOLE 0 0 0 1,588
MARTIN MARIETTA MATLS INC COM 573284106 489 1,109 SH   SOLE 0 0 0 1,109
MARVELL TECHNOLOGY INC COM 573874104 234 2,675 SH   SOLE 0 0 0 2,675
MASCO CORP COM 574599106 309 4,400 SH   SOLE 0 0 0 4,400
MASTERCARD INCORPORATED CL A 57636Q104 501 1,395 SH   SOLE 0 0 0 1,395
MCCORMICK & CO INC COM VTG 579780107 812 8,512 SH   SOLE 0 0 0 8,512
MCCORMICK & CO INC COM NON VTG 579780206 3,118 32,271 SH   SOLE 0 0 0 32,271
MCDONALDS CORP COM 580135101 5,484 20,458 SH   SOLE 0 0 0 20,458
MEDTRONIC PLC SHS G5960L103 310 2,994 SH   SOLE 0 0 0 2,994
MERCADOLIBRE INC COM 58733R102 716 531 SH   SOLE 0 0 0 531
MERCK & CO INC COM 58933Y105 1,616 21,081 SH   SOLE 0 0 0 21,081
META PLATFORMS INC CL A 30303M102 2,131 6,337 SH   SOLE 0 0 0 6,337
METLIFE INC COM 59156R108 692 11,070 SH   SOLE 0 0 0 11,070
MICROCHIP TECHNOLOGY INC. COM 595017104 357 4,105 SH   SOLE 0 0 0 4,105
MICROSOFT CORP COM 594918104 15,215 45,241 SH   SOLE 0 0 0 45,241
MONDELEZ INTL INC CL A 609207105 588 8,871 SH   SOLE 0 0 0 8,871
NETFLIX INC COM 64110L106 740 1,229 SH   SOLE 0 0 0 1,229
NEXTERA ENERGY INC COM 65339F101 1,606 17,206 SH   SOLE 0 0 0 17,206
NIKE INC CL B 654106103 4,121 24,726 SH   SOLE 0 0 0 24,726
NORFOLK SOUTHN CORP COM 655844108 2,042 6,859 SH   SOLE 0 0 0 6,859
NORTHROP GRUMMAN CORP COM 666807102 1,420 3,668 SH   SOLE 0 0 0 3,668
OLD DOMINION FREIGHT LINE IN COM 679580100 358 1,000 SH   SOLE 0 0 0 1,000
ORACLE CORP COM 68389X105 1,101 12,625 SH   SOLE 0 0 0 12,625
OTIS WORLDWIDE CORP COM 68902V107 274 3,152 SH   SOLE 0 0 0 3,152
PALANTIR TECHNOLOGIES INC CL A 69608A108 697 38,250 SH   SOLE 0 0 0 38,250
PARKER-HANNIFIN CORP COM 701094104 470 1,478 SH   SOLE 0 0 0 1,478
PAYCHEX INC COM 704326107 439 3,219 SH   SOLE 0 0 0 3,219
PAYPAL HLDGS INC COM 70450Y103 571 3,027 SH   SOLE 0 0 0 3,027
PEPSICO INC COM 713448108 4,956 28,531 SH   SOLE 0 0 0 28,531
PFIZER INC COM 717081103 2,497 42,281 SH   SOLE 0 0 0 42,281
PHILIP MORRIS INTL INC COM 718172109 467 4,913 SH   SOLE 0 0 0 4,913
PHILLIPS 66 COM 718546104 293 4,050 SH   SOLE 0 0 0 4,050
PIMCO ETF TR ACTIVE BD ETF 72201R775 788 7,201 SH   SOLE 0 0 0 7,201
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,767 17,399 SH   SOLE 0 0 0 17,399
PNC FINL SVCS GROUP INC COM 693475105 1,045 5,211 SH   SOLE 0 0 0 5,211
PPG INDS INC COM 693506107 491 2,848 SH   SOLE 0 0 0 2,848
PRICE T ROWE GROUP INC COM 74144T108 918 4,670 SH   SOLE 0 0 0 4,670
PROCTER AND GAMBLE CO COM 742718109 7,130 43,585 SH   SOLE 0 0 0 43,585
PRUDENTIAL FINL INC COM 744320102 891 8,228 SH   SOLE 0 0 0 8,228
PUBLIC STORAGE COM 74460D109 1,421 3,795 SH   SOLE 0 0 0 3,795
QUALCOMM INC COM 747525103 254 1,390 SH   SOLE 0 0 0 1,390
QUEST DIAGNOSTICS INC COM 74834L100 277 1,600 SH   SOLE 0 0 0 1,600
RAYTHEON TECHNOLOGIES CORP COM 75513E101 875 10,172 SH   SOLE 0 0 0 10,172
REALTY INCOME CORP COM 756109104 207 2,887 SH   SOLE 0 0 0 2,887
SALESFORCE COM INC COM 79466L302 346 1,362 SH   SOLE 0 0 0 1,362
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,496 118,013 SH   SOLE 0 0 0 118,013
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,239 23,519 SH   SOLE 0 0 0 23,519
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,018 25,086 SH   SOLE 0 0 0 25,086
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,246 23,114 SH   SOLE 0 0 0 23,114
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,659 32,896 SH   SOLE 0 0 0 32,896
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 6,692 131,604 SH   SOLE 0 0 0 131,604
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 4,336 77,234 SH   SOLE 0 0 0 77,234
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 27,869 246,611 SH   SOLE 0 0 0 246,611
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7,130 183,432 SH   SOLE 0 0 0 183,432
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 13,532 118,885 SH   SOLE 0 0 0 118,885
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,305 32,271 SH   SOLE 0 0 0 32,271
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 12,772 77,995 SH   SOLE 0 0 0 77,995
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 4,459 60,904 SH   SOLE 0 0 0 60,904
SEI INVTS CO COM 784117103 244 4,000 SH   SOLE 0 0 0 4,000
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 2,908 40,620 SH   SOLE 0 0 0 40,620
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 3,673 40,532 SH   SOLE 0 0 0 40,532
SELECT SECTOR SPDR TR ENERGY 81369Y506 7,146 128,749 SH   SOLE 0 0 0 128,749
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 9,960 255,069 SH   SOLE 0 0 0 255,069
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 9,313 88,020 SH   SOLE 0 0 0 88,020
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 24,603 141,500 SH   SOLE 0 0 0 141,500
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 6,014 77,993 SH   SOLE 0 0 0 77,993
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 16,009 113,627 SH   SOLE 0 0 0 113,627
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 20,391 99,740 SH   SOLE 0 0 0 99,740
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 3,707 71,558 SH   SOLE 0 0 0 71,558
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 13,695 176,298 SH   SOLE 0 0 0 176,298
SERVICENOW INC COM 81762P102 587 905 SH   SOLE 0 0 0 905
SHERWIN WILLIAMS CO COM 824348106 1,162 3,300 SH   SOLE 0 0 0 3,300
SNAP ON INC COM 833034101 215 1,000 SH   SOLE 0 0 0 1,000
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 694 1,909 SH   SOLE 0 0 0 1,909
SPDR INDEX SHS FDS EURO STOXX 50 78463X202 3,732 79,984 SH   SOLE 0 0 0 79,984
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 403 11,033 SH   SOLE 0 0 0 11,033
SPDR S&P 500 ETF TR TR UNIT 78462F103 9,581 20,172 SH   SOLE 0 0 0 20,172
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 500 965 SH   SOLE 0 0 0 965
SPDR SER TR PORTFLI INTRMDIT 78464A672 354 11,035 SH   SOLE 0 0 0 11,035
SPDR SER TR PORTFOLIO S&P500 78464A854 13,414 240,272 SH   SOLE 0 0 0 240,272
SPDR SER TR PORTFLI MORTGAGE 78464A383 682 26,875 SH   SOLE 0 0 0 26,875
SPDR SER TR PORTFOLIO S&P600 78468R853 8,808 197,089 SH   SOLE 0 0 0 197,089
SPDR SER TR PRTFLO S&P500 HI 78468R788 246 5,842 SH   SOLE 0 0 0 5,842
SPDR SER TR S&P BK ETF 78464A797 690 12,655 SH   SOLE 0 0 0 12,655
SPDR SER TR NUVEEN BLMBRG SH 78468R739 928 18,870 SH   SOLE 0 0 0 18,870
SPDR SER TR PORTFOLIO S&P400 78464A847 7,195 144,649 SH   SOLE 0 0 0 144,649
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 477 10,460 SH   SOLE 0 0 0 10,460
STANLEY BLACK & DECKER INC COM 854502101 809 4,291 SH   SOLE 0 0 0 4,291
STARBUCKS CORP COM 855244109 2,083 17,807 SH   SOLE 0 0 0 17,807
SUN CMNTYS INC COM 866674104 3,057 14,560 SH   SOLE 0 0 0 14,560
TARGET CORP COM 87612E106 2,062 8,908 SH   SOLE 0 0 0 8,908
TESLA INC COM 88160R101 1,817 1,719 SH   SOLE 0 0 0 1,719
TEXAS INSTRS INC COM 882508104 296 1,573 SH   SOLE 0 0 0 1,573
TEXTRON INC COM 883203101 252 3,270 SH   SOLE 0 0 0 3,270
TJX COS INC NEW COM 872540109 353 4,654 SH   SOLE 0 0 0 4,654
TRAVELERS COMPANIES INC COM 89417E109 1,661 10,617 SH   SOLE 0 0 0 10,617
TRUIST FINL CORP COM 89832Q109 763 13,028 SH   SOLE 0 0 0 13,028
UNION PAC CORP COM 907818108 919 3,647 SH   SOLE 0 0 0 3,647
UNITED PARCEL SERVICE INC CL B 911312106 302 1,407 SH   SOLE 0 0 0 1,407
UNITED RENTALS INC COM 911363109 332 1,000 SH   SOLE 0 0 0 1,000
UNITEDHEALTH GROUP INC COM 91324P102 258 514 SH   SOLE 0 0 0 514
US BANCORP DEL COM NEW 902973304 246 4,377 SH   SOLE 0 0 0 4,377
V F CORP COM 918204108 835 11,402 SH   SOLE 0 0 0 11,402
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 573 9,180 SH   SOLE 0 0 0 9,180
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 13,387 157,963 SH   SOLE 0 0 0 157,963
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 8,483 104,949 SH   SOLE 0 0 0 104,949
VANGUARD BD INDEX FDS INTERMED TERM 921937819 553 6,312 SH   SOLE 0 0 0 6,312
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 870 17,417 SH   SOLE 0 0 0 17,417
VANGUARD INDEX FDS LARGE CAP ETF 922908637 336 1,519 SH   SOLE 0 0 0 1,519
VANGUARD INDEX FDS VALUE ETF 922908744 1,903 12,936 SH   SOLE 0 0 0 12,936
VANGUARD INDEX FDS MID CAP ETF 922908629 1,076 4,224 SH   SOLE 0 0 0 4,224
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,575 39,436 SH   SOLE 0 0 0 39,436
VANGUARD INDEX FDS SML CP GRW ETF 922908595 334 1,184 SH   SOLE 0 0 0 1,184
VANGUARD INDEX FDS SMALL CP ETF 922908751 21,139 93,532 SH   SOLE 0 0 0 93,532
VANGUARD INDEX FDS GROWTH ETF 922908736 763 2,377 SH   SOLE 0 0 0 2,377
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,714 3,926 SH   SOLE 0 0 0 3,926
VANGUARD INDEX FDS TOTAL STK MKT 922908769 39,933 165,394 SH   SOLE 0 0 0 165,394
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,791 36,215 SH   SOLE 0 0 0 36,215
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 13,513 125,780 SH   SOLE 0 0 0 125,780
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 6,464 105,480 SH   SOLE 0 0 0 105,480
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 357 2,662 SH   SOLE 0 0 0 2,662
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,485 45,263 SH   SOLE 0 0 0 45,263
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 803 8,657 SH   SOLE 0 0 0 8,657
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 5,989 90,108 SH   SOLE 0 0 0 90,108
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 2,535 41,675 SH   SOLE 0 0 0 41,675
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 14,833 182,536 SH   SOLE 0 0 0 182,536
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,192 6,941 SH   SOLE 0 0 0 6,941
VANGUARD STAR FDS VG TL INTL STK F 921909768 16,931 266,339 SH   SOLE 0 0 0 266,339
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,317 84,541 SH   SOLE 0 0 0 84,541
VANGUARD WELLINGTON FD US VALUE FACTR 921935805 1,077 10,253 SH   SOLE 0 0 0 10,253
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 231 2,164 SH   SOLE 0 0 0 2,164
VANGUARD WORLD FDS INF TECH ETF 92204A702 52,196 113,923 SH   SOLE 0 0 0 113,923
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 1,509 4,430 SH   SOLE 0 0 0 4,430
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 3,488 17,186 SH   SOLE 0 0 0 17,186
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 12,914 133,730 SH   SOLE 0 0 0 133,730
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 4,129 30,462 SH   SOLE 0 0 0 30,462
VANGUARD WORLD FDS UTILITIES ETF 92204A876 2,733 17,477 SH   SOLE 0 0 0 17,477
VANGUARD WORLD FDS MATERIALS ETF 92204A801 881 4,474 SH   SOLE 0 0 0 4,474
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 20,981 78,750 SH   SOLE 0 0 0 78,750
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,562 20,122 SH   SOLE 0 0 0 20,122
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 1,370 6,853 SH   SOLE 0 0 0 6,853
VERIZON COMMUNICATIONS INC COM 92343V104 1,840 35,412 SH   SOLE 0 0 0 35,412
VISA INC COM CL A 92826C839 2,571 11,865 SH   SOLE 0 0 0 11,865
WALMART INC COM 931142103 1,658 11,460 SH   SOLE 0 0 0 11,460
WASTE MGMT INC DEL COM 94106L109 1,670 10,007 SH   SOLE 0 0 0 10,007
WD 40 CO COM 929236107 269 1,100 SH   SOLE 0 0 0 1,100
WORLD GOLD TR SPDR GLD MINIS 98149E204 586 32,250 SH   SOLE 0 0 0 32,250
YUM BRANDS INC COM 988498101 2,400 17,287 SH   SOLE 0 0 0 17,287
YUM CHINA HLDGS INC COM 98850P109 408 8,191 SH   SOLE 0 0 0 8,191
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 595 1,000 SH   SOLE 0 0 0 1,000