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 792 7,171 SH   SOLE 0 0 0 7,171
ABBOTT LABS COM 002824100 1,134 11,724 SH   SOLE 0 0 0 11,724
ABBVIE INC COM 00287Y109 1,358 10,120 SH   SOLE 0 0 0 10,120
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 420 1,634 SH   SOLE 0 0 0 1,634
AFLAC INC COM 001055102 352 6,262 SH   SOLE 0 0 0 6,262
AGENUS INC COM NEW 00847G705 36 17,576 SH   SOLE 0 0 0 17,576
AGILENT TECHNOLOGIES INC COM 00846U101 248 2,040 SH   SOLE 0 0 0 2,040
AIR PRODS & CHEMS INC COM 009158106 482 2,069 SH   SOLE 0 0 0 2,069
ALLIANT ENERGY CORP COM 018802108 451 8,510 SH   SOLE 0 0 0 8,510
ALPHABET INC CAP STK CL A 02079K305 2,859 29,885 SH   SOLE 0 0 0 29,885
ALPHABET INC CAP STK CL C 02079K107 1,652 17,182 SH   SOLE 0 0 0 17,182
ALTRIA GROUP INC COM 02209S103 449 11,125 SH   SOLE 0 0 0 11,125
AMAZON COM INC COM 023135106 2,691 23,810 SH   SOLE 0 0 0 23,810
AMERICAN ELEC PWR CO INC COM 025537101 621 7,189 SH   SOLE 0 0 0 7,189
AMERICAN EXPRESS CO COM 025816109 580 4,302 SH   SOLE 0 0 0 4,302
AMERICAN TOWER CORP NEW COM 03027X100 1,157 5,390 SH   SOLE 0 0 0 5,390
AMGEN INC COM 031162100 373 1,654 SH   SOLE 0 0 0 1,654
AMPHENOL CORP NEW CL A 032095101 307 4,580 SH   SOLE 0 0 0 4,580
ANALOG DEVICES INC COM 032654105 271 1,946 SH   SOLE 0 0 0 1,946
APPLE INC COM 037833100 10,543 76,288 SH   SOLE 0 0 0 76,288
AT&T INC COM 00206R102 216 14,061 SH   SOLE 0 0 0 14,061
AUTOMATIC DATA PROCESSING IN COM 053015103 884 3,908 SH   SOLE 0 0 0 3,908
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 201 6,117 SH   SOLE 0 0 0 6,117
BECTON DICKINSON & CO COM 075887109 320 1,435 SH   SOLE 0 0 0 1,435
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,799 17,972 SH   SOLE 0 0 0 17,972
BK OF AMERICA CORP COM 060505104 1,705 56,470 SH   SOLE 0 0 0 56,470
BLACKSTONE INC COM 09260D107 634 7,579 SH   SOLE 0 0 0 7,579
BLEND LABS INC CL A 09352U108 23 10,369 SH   SOLE 0 0 0 10,369
BOEING CO COM 097023105 539 4,453 SH   SOLE 0 0 0 4,453
BRISTOL-MYERS SQUIBB CO COM 110122108 908 12,772 SH   SOLE 0 0 0 12,772
BROADCOM INC COM 11135F101 437 985 SH   SOLE 0 0 0 985
CANADIAN PAC RY LTD COM 13645T100 244 3,650 SH   SOLE 0 0 0 3,650
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104 207 11,077 SH   SOLE 0 0 0 11,077
CATERPILLAR INC COM 149123101 1,020 6,219 SH   SOLE 0 0 0 6,219
CELANESE CORP DEL COM 150870103 578 6,403 SH   SOLE 0 0 0 6,403
CHEVRON CORP NEW COM 166764100 1,594 11,094 SH   SOLE 0 0 0 11,094
CHUBB LIMITED COM H1467J104 667 3,666 SH   SOLE 0 0 0 3,666
CHURCHILL DOWNS INC COM 171484108 755 4,100 SH   SOLE 0 0 0 4,100
CINTAS CORP COM 172908105 263 677 SH   SOLE 0 0 0 677
CISCO SYS INC COM 17275R102 2,057 51,435 SH   SOLE 0 0 0 51,435
CLOROX CO DEL COM 189054109 388 3,019 SH   SOLE 0 0 0 3,019
COCA COLA CO COM 191216100 1,380 24,637 SH   SOLE 0 0 0 24,637
COLGATE PALMOLIVE CO COM 194162103 830 11,816 SH   SOLE 0 0 0 11,816
COMCAST CORP NEW CL A 20030N101 495 16,863 SH   SOLE 0 0 0 16,863
CONOCOPHILLIPS COM 20825C104 690 6,741 SH   SOLE 0 0 0 6,741
CONSTELLATION BRANDS INC CL A 21036P108 554 2,412 SH   SOLE 0 0 0 2,412
CONSTELLATION ENERGY CORP COM 21037T109 283 3,401 SH   SOLE 0 0 0 3,401
COSTCO WHSL CORP NEW COM 22160K105 2,988 6,328 SH   SOLE 0 0 0 6,328
CROWN CASTLE INC COM 22822V101 760 5,260 SH   SOLE 0 0 0 5,260
CSX CORP COM 126408103 1,285 48,241 SH   SOLE 0 0 0 48,241
CUMMINS INC COM 231021106 1,776 8,726 SH   SOLE 0 0 0 8,726
CVS HEALTH CORP COM 126650100 1,024 10,735 SH   SOLE 0 0 0 10,735
DANAHER CORPORATION COM 235851102 849 3,288 SH   SOLE 0 0 0 3,288
DBX ETF TR XTRACK MSCI EAFE 233051200 352 10,502 SH   SOLE 0 0 0 10,502
DEERE & CO COM 244199105 1,197 3,586 SH   SOLE 0 0 0 3,586
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 366 16,478 SH   SOLE 0 0 0 16,478
DISNEY WALT CO COM 254687106 2,809 29,780 SH   SOLE 0 0 0 29,780
DUKE ENERGY CORP NEW COM NEW 26441C204 679 7,298 SH   SOLE 0 0 0 7,298
EASTMAN CHEM CO COM 277432100 355 5,003 SH   SOLE 0 0 0 5,003
EATON CORP PLC SHS G29183103 209 1,565 SH   SOLE 0 0 0 1,565
EMERSON ELEC CO COM 291011104 419 5,728 SH   SOLE 0 0 0 5,728
EXELON CORP COM 30161N101 418 11,146 SH   SOLE 0 0 0 11,146
EXXON MOBIL CORP COM 30231G102 809 9,263 SH   SOLE 0 0 0 9,263
FASTENAL CO COM 311900104 204 4,438 SH   SOLE 0 0 0 4,438
FEDEX CORP COM 31428X106 649 4,372 SH   SOLE 0 0 0 4,372
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 370 6,424 SH   SOLE 0 0 0 6,424
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 292 6,910 SH   SOLE 0 0 0 6,910
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 258 2,842 SH   SOLE 0 0 0 2,842
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 254 5,891 SH   SOLE 0 0 0 5,891
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 10,198 229,534 SH   SOLE 0 0 0 229,534
FISERV INC COM 337738108 233 2,486 SH   SOLE 0 0 0 2,486
FORD MTR CO DEL COM 345370860 181 16,169 SH   SOLE 0 0 0 16,169
GALLAGHER ARTHUR J & CO COM 363576109 1,207 7,050 SH   SOLE 0 0 0 7,050
GENERAL MLS INC COM 370334104 299 3,900 SH   SOLE 0 0 0 3,900
GLOBAL X FDS US INFR DEV ETF 37954Y673 901 39,089 SH   SOLE 0 0 0 39,089
GLOBAL X FDS GLBL X MLP ETF 37954Y343 1,617 40,988 SH   SOLE 0 0 0 40,988
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 1,496 21,064 SH   SOLE 0 0 0 21,064
GRAINGER W W INC COM 384802104 821 1,679 SH   SOLE 0 0 0 1,679
HERSHEY CO COM 427866108 792 3,593 SH   SOLE 0 0 0 3,593
HOME DEPOT INC COM 437076102 1,735 6,286 SH   SOLE 0 0 0 6,286
HONEYWELL INTL INC COM 438516106 1,200 7,188 SH   SOLE 0 0 0 7,188
ILLINOIS TOOL WKS INC COM 452308109 336 1,859 SH   SOLE 0 0 0 1,859
INTEL CORP COM 458140100 840 32,607 SH   SOLE 0 0 0 32,607
INTERNATIONAL BUSINESS MACHS COM 459200101 594 4,996 SH   SOLE 0 0 0 4,996
INTERNATIONAL PAPER CO COM 460146103 217 6,836 SH   SOLE 0 0 0 6,836
INTUIT COM 461202103 639 1,650 SH   SOLE 0 0 0 1,650
INVESCO ACTIVELY MANAGED ETF TOTAL RETURN 46090A804 1,384 30,355 SH   SOLE 0 0 0 30,355
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 3,387 30,807 SH   SOLE 0 0 0 30,807
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 298 5,152 SH   SOLE 0 0 0 5,152
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308 344 4,632 SH   SOLE 0 0 0 4,632
INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506 544 16,830 SH   SOLE 0 0 0 16,830
INVESCO EXCHANGE TRADED FD T DYNMC SOFTWARE 46137V639 221 2,492 SH   SOLE 0 0 0 2,492
INVESCO QQQ TR UNIT SER 1 46090E103 2,827 10,576 SH   SOLE 0 0 0 10,576
ISHARES GOLD TR ISHARES NEW 464285204 1,681 53,310 SH   SOLE 0 0 0 53,310
ISHARES INC MSCI GBL MIN VOL 464286525 2,132 24,079 SH   SOLE 0 0 0 24,079
ISHARES INC CORE MSCI EMKT 46434G103 4,846 112,747 SH   SOLE 0 0 0 112,747
ISHARES TR CORE MSCI TOTAL 46432F834 3,494 68,621 SH   SOLE 0 0 0 68,621
ISHARES TR CORE MSCI EAFE 46432F842 11,557 219,430 SH   SOLE 0 0 0 219,430
ISHARES TR CORE 1 5 YR USD 46432F859 212 4,590 SH   SOLE 0 0 0 4,590
ISHARES TR MSCI USA MMENTM 46432F396 265 2,023 SH   SOLE 0 0 0 2,023
ISHARES TR MSCI USA QLT FCT 46432F339 1,206 11,603 SH   SOLE 0 0 0 11,603
ISHARES TR US TREAS BD ETF 46429B267 1,529 67,194 SH   SOLE 0 0 0 67,194
ISHARES TR MSCI USA MIN VOL 46429B697 1,070 16,189 SH   SOLE 0 0 0 16,189
ISHARES TR CORE HIGH DV ETF 46429B663 399 4,368 SH   SOLE 0 0 0 4,368
ISHARES TR ESG AWR MSCI USA 46435G425 1,390 17,500 SH   SOLE 0 0 0 17,500
ISHARES TR HDG MSCI EAFE 46434V803 1,046 34,998 SH   SOLE 0 0 0 34,998
ISHARES TR CORE DIV GRWTH 46434V621 4,668 104,976 SH   SOLE 0 0 0 104,976
ISHARES TR CORE MSCI EURO 46434V738 676 17,084 SH   SOLE 0 0 0 17,084
ISHARES TR CORE TOTAL USD 46434V613 1,955 43,936 SH   SOLE 0 0 0 43,936
ISHARES TR EAFE VALUE ETF 464288877 236 6,120 SH   SOLE 0 0 0 6,120
ISHARES TR IBOXX HI YD ETF 464288513 2,193 30,721 SH   SOLE 0 0 0 30,721
ISHARES TR USD INV GRDE ETF 464288620 1,061 22,078 SH   SOLE 0 0 0 22,078
ISHARES TR CORE S&P TTL STK 464287150 8,329 104,714 SH   SOLE 0 0 0 104,714
ISHARES TR NATIONAL MUN ETF 464288414 881 8,586 SH   SOLE 0 0 0 8,586
ISHARES TR MBS ETF 464288588 1,042 11,380 SH   SOLE 0 0 0 11,380
ISHARES TR GL CLEAN ENE ETF 464288224 419 21,938 SH   SOLE 0 0 0 21,938
ISHARES TR GRWT ALLOCAT ETF 464289867 207 4,615 SH   SOLE 0 0 0 4,615
ISHARES TR SHRT NAT MUN ETF 464288158 1,038 10,114 SH   SOLE 0 0 0 10,114
ISHARES TR RUS TP200 VL ETF 464289420 253 4,381 SH   SOLE 0 0 0 4,381
ISHARES TR RUS TP200 GR ETF 464289438 231 1,930 SH   SOLE 0 0 0 1,930
ISHARES TR MSCI EAFE ETF 464287465 1,641 29,297 SH   SOLE 0 0 0 29,297
ISHARES TR CORE S&P MCP ETF 464287507 1,104 5,034 SH   SOLE 0 0 0 5,034
ISHARES TR CORE S&P SCP ETF 464287804 3,018 34,614 SH   SOLE 0 0 0 34,614
ISHARES TR S&P 500 VAL ETF 464287408 2,122 16,509 SH   SOLE 0 0 0 16,509
ISHARES TR CORE S&P500 ETF 464287200 8,268 23,053 SH   SOLE 0 0 0 23,053
ISHARES TR S&P 500 GRWT ETF 464287309 2,438 42,144 SH   SOLE 0 0 0 42,144
ISHARES TR RUSSELL 3000 ETF 464287689 217 1,050 SH   SOLE 0 0 0 1,050
ISHARES TR ISHARES BIOTECH 464287556 225 1,924 SH   SOLE 0 0 0 1,924
ISHARES TR US HLTHCARE ETF 464287762 219 867 SH   SOLE 0 0 0 867
ISHARES TR U.S. TECH ETF 464287721 2,153 29,348 SH   SOLE 0 0 0 29,348
ISHARES TR ISHARES SEMICDTR 464287523 218 683 SH   SOLE 0 0 0 683
ISHARES TR EXPANDED TECH 464287515 575 2,300 SH   SOLE 0 0 0 2,300
ISHARES TR 7-10 YR TRSY BD 464287440 3,993 41,599 SH   SOLE 0 0 0 41,599
ISHARES TR 20 YR TR BD ETF 464287432 563 5,495 SH   SOLE 0 0 0 5,495
ISHARES TR IBOXX INV CP ETF 464287242 5,270 51,440 SH   SOLE 0 0 0 51,440
ISHARES TR CORE US AGGBD ET 464287226 1,706 17,703 SH   SOLE 0 0 0 17,703
ISHARES TR SELECT DIVID ETF 464287168 1,272 11,862 SH   SOLE 0 0 0 11,862
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 3,238 65,729 SH   SOLE 0 0 0 65,729
JOHNSON & JOHNSON COM 478160104 6,909 42,292 SH   SOLE 0 0 0 42,292
JPMORGAN CHASE & CO COM 46625H100 1,533 14,673 SH   SOLE 0 0 0 14,673
KELLOGG CO COM 487836108 233 3,343 SH   SOLE 0 0 0 3,343
KIMBERLY-CLARK CORP COM 494368103 1,452 12,905 SH   SOLE 0 0 0 12,905
KLA CORP COM NEW 482480100 283 936 SH   SOLE 0 0 0 936
LILLY ELI & CO COM 532457108 3,983 12,319 SH   SOLE 0 0 0 12,319
LOCKHEED MARTIN CORP COM 539830109 571 1,478 SH   SOLE 0 0 0 1,478
LOWES COS INC COM 548661107 1,808 9,626 SH   SOLE 0 0 0 9,626
M & T BK CORP COM 55261F104 354 2,007 SH   SOLE 0 0 0 2,007
MARTIN MARIETTA MATLS INC COM 573284106 357 1,109 SH   SOLE 0 0 0 1,109
MASTERCARD INCORPORATED CL A 57636Q104 482 1,695 SH   SOLE 0 0 0 1,695
MCCORMICK & CO INC COM VTG 579780107 623 8,512 SH   SOLE 0 0 0 8,512
MCCORMICK & CO INC COM NON VTG 579780206 2,236 31,367 SH   SOLE 0 0 0 31,367
MCDONALDS CORP COM 580135101 4,168 18,064 SH   SOLE 0 0 0 18,064
MERCADOLIBRE INC COM 58733R102 440 531 SH   SOLE 0 0 0 531
MERCK & CO INC COM 58933Y105 1,762 20,458 SH   SOLE 0 0 0 20,458
META PLATFORMS INC CL A 30303M102 605 4,456 SH   SOLE 0 0 0 4,456
METLIFE INC COM 59156R108 634 10,437 SH   SOLE 0 0 0 10,437
MICROSOFT CORP COM 594918104 9,495 40,770 SH   SOLE 0 0 0 40,770
MONDELEZ INTL INC CL A 609207105 461 8,403 SH   SOLE 0 0 0 8,403
NEXTERA ENERGY INC COM 65339F101 1,219 15,540 SH   SOLE 0 0 0 15,540
NIKE INC CL B 654106103 1,986 23,894 SH   SOLE 0 0 0 23,894
NORFOLK SOUTHN CORP COM 655844108 1,327 6,329 SH   SOLE 0 0 0 6,329
NORTHROP GRUMMAN CORP COM 666807102 1,490 3,169 SH   SOLE 0 0 0 3,169
NUTRIEN LTD COM 67077M108 210 2,519 SH   SOLE 0 0 0 2,519
OLD DOMINION FREIGHT LINE IN COM 679580100 249 1,000 SH   SOLE 0 0 0 1,000
ORACLE CORP COM 68389X105 739 12,100 SH   SOLE 0 0 0 12,100
PALANTIR TECHNOLOGIES INC CL A 69608A108 311 38,250 SH   SOLE 0 0 0 38,250
PARKER-HANNIFIN CORP COM 701094104 358 1,478 SH   SOLE 0 0 0 1,478
PAYCHEX INC COM 704326107 355 3,164 SH   SOLE 0 0 0 3,164
PEPSICO INC COM 713448108 4,257 26,076 SH   SOLE 0 0 0 26,076
PFIZER INC COM 717081103 1,710 39,087 SH   SOLE 0 0 0 39,087
PHILIP MORRIS INTL INC COM 718172109 378 4,551 SH   SOLE 0 0 0 4,551
PHILLIPS 66 COM 718546104 266 3,298 SH   SOLE 0 0 0 3,298
PIMCO ETF TR ACTIVE BD ETF 72201R775 573 6,387 SH   SOLE 0 0 0 6,387
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 911 9,620 SH   SOLE 0 0 0 9,620
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,075 10,879 SH   SOLE 0 0 0 10,879
PIMCO ETF TR INTER MUN BD ACT 72201R866 1,915 38,214 SH   SOLE 0 0 0 38,214
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 349 7,152 SH   SOLE 0 0 0 7,152
PNC FINL SVCS GROUP INC COM 693475105 748 5,005 SH   SOLE 0 0 0 5,005
PPG INDS INC COM 693506107 315 2,850 SH   SOLE 0 0 0 2,850
PRICE T ROWE GROUP INC COM 74144T108 470 4,480 SH   SOLE 0 0 0 4,480
PROCTER AND GAMBLE CO COM 742718109 5,187 41,086 SH   SOLE 0 0 0 41,086
PRUDENTIAL FINL INC COM 744320102 576 6,712 SH   SOLE 0 0 0 6,712
PUBLIC STORAGE COM 74460D109 1,254 4,283 SH   SOLE 0 0 0 4,283
RAYTHEON TECHNOLOGIES CORP COM 75513E101 698 8,529 SH   SOLE 0 0 0 8,529
REALTY INCOME CORP COM 756109104 213 3,655 SH   SOLE 0 0 0 3,655
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,476 155,190 SH   SOLE 0 0 0 155,190
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,908 76,927 SH   SOLE 0 0 0 76,927
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 14,218 254,751 SH   SOLE 0 0 0 254,751
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 6,954 118,848 SH   SOLE 0 0 0 118,848
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 20,792 495,175 SH   SOLE 0 0 0 495,175
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 6,242 221,885 SH   SOLE 0 0 0 221,885
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 10,323 243,745 SH   SOLE 0 0 0 243,745
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,339 35,217 SH   SOLE 0 0 0 35,217
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 693 15,299 SH   SOLE 0 0 0 15,299
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,132 60,550 SH   SOLE 0 0 0 60,550
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,111 34,874 SH   SOLE 0 0 0 34,874
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 3,073 63,681 SH   SOLE 0 0 0 63,681
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 5,730 116,606 SH   SOLE 0 0 0 116,606
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 6,714 140,200 SH   SOLE 0 0 0 140,200
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 2,553 70,909 SH   SOLE 0 0 0 70,909
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 2,540 38,771 SH   SOLE 0 0 0 38,771
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 1,770 26,029 SH   SOLE 0 0 0 26,029
SELECT SECTOR SPDR TR ENERGY 81369Y506 6,664 92,529 SH   SOLE 0 0 0 92,529
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 6,581 216,765 SH   SOLE 0 0 0 216,765
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 6,715 81,064 SH   SOLE 0 0 0 81,064
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 13,674 115,123 SH   SOLE 0 0 0 115,123
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 4,718 70,698 SH   SOLE 0 0 0 70,698
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 10,112 83,495 SH   SOLE 0 0 0 83,495
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 11,112 78,008 SH   SOLE 0 0 0 78,008
SERVICENOW INC COM 81762P102 342 905 SH   SOLE 0 0 0 905
SHERWIN WILLIAMS CO COM 824348106 676 3,300 SH   SOLE 0 0 0 3,300
SNAP ON INC COM 833034101 201 1,000 SH   SOLE 0 0 0 1,000
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 521 1,814 SH   SOLE 0 0 0 1,814
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 1,129 43,756 SH   SOLE 0 0 0 43,756
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 567 18,280 SH   SOLE 0 0 0 18,280
SPDR INDEX SHS FDS EURO STOXX 50 78463X202 2,651 86,172 SH   SOLE 0 0 0 86,172
SPDR S&P 500 ETF TR TR UNIT 78462F103 6,277 17,573 SH   SOLE 0 0 0 17,573
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 342 851 SH   SOLE 0 0 0 851
SPDR SER TR PORTFOLIO S&P400 78464A847 5,316 137,873 SH   SOLE 0 0 0 137,873
SPDR SER TR NUVEEN BLMBRG MU 78468R721 1,500 34,101 SH   SOLE 0 0 0 34,101
SPDR SER TR PORTFLI INTRMDIT 78464A672 1,363 48,437 SH   SOLE 0 0 0 48,437
SPDR SER TR PORTFOLIO S&P500 78464A854 10,815 257,571 SH   SOLE 0 0 0 257,571
SPDR SER TR BLOOMBERG HIGH Y 78468R622 941 10,711 SH   SOLE 0 0 0 10,711
SPDR SER TR PORTFOLIO SHORT 78464A474 368 12,602 SH   SOLE 0 0 0 12,602
SPDR SER TR PORT MTG BK ETF 78464A383 628 29,279 SH   SOLE 0 0 0 29,279
SPDR SER TR AEROSPACE DEF 78464A631 246 2,684 SH   SOLE 0 0 0 2,684
SPDR SER TR PORTFOLIO S&P600 78468R853 7,009 205,792 SH   SOLE 0 0 0 205,792
SPDR SER TR PRTFLO S&P500 HI 78468R788 230 6,488 SH   SOLE 0 0 0 6,488
STANLEY BLACK & DECKER INC COM 854502101 310 4,120 SH   SOLE 0 0 0 4,120
STARBUCKS CORP COM 855244109 1,407 16,704 SH   SOLE 0 0 0 16,704
SUN CMNTYS INC COM 866674104 1,930 14,261 SH   SOLE 0 0 0 14,261
T-MOBILE US INC COM 872590104 317 2,359 SH   SOLE 0 0 0 2,359
TARGET CORP COM 87612E106 1,145 7,717 SH   SOLE 0 0 0 7,717
TESLA INC COM 88160R101 1,332 5,021 SH   SOLE 0 0 0 5,021
TEXAS INSTRS INC COM 882508104 238 1,540 SH   SOLE 0 0 0 1,540
TJX COS INC NEW COM 872540109 289 4,658 SH   SOLE 0 0 0 4,658
TRAVELERS COMPANIES INC COM 89417E109 1,613 10,532 SH   SOLE 0 0 0 10,532
TRUIST FINL CORP COM 89832Q109 586 13,452 SH   SOLE 0 0 0 13,452
UNION PAC CORP COM 907818108 764 3,924 SH   SOLE 0 0 0 3,924
UNITED PARCEL SERVICE INC CL B 911312106 274 1,697 SH   SOLE 0 0 0 1,697
UNITED RENTALS INC COM 911363109 270 1,000 SH   SOLE 0 0 0 1,000
UNITEDHEALTH GROUP INC COM 91324P102 231 457 SH   SOLE 0 0 0 457
V F CORP COM 918204108 353 11,804 SH   SOLE 0 0 0 11,804
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 6,102 49,156 SH   SOLE 0 0 0 49,156
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 3,315 67,713 SH   SOLE 0 0 0 67,713
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 11,617 162,864 SH   SOLE 0 0 0 162,864
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 8,961 119,767 SH   SOLE 0 0 0 119,767
VANGUARD INDEX FDS SML CP GRW ETF 922908595 231 1,184 SH   SOLE 0 0 0 1,184
VANGUARD INDEX FDS GROWTH ETF 922908736 314 1,466 SH   SOLE 0 0 0 1,466
VANGUARD INDEX FDS MID CAP ETF 922908629 673 3,581 SH   SOLE 0 0 0 3,581
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,146 39,241 SH   SOLE 0 0 0 39,241
VANGUARD INDEX FDS SMALL CP ETF 922908751 14,682 85,903 SH   SOLE 0 0 0 85,903
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,354 4,124 SH   SOLE 0 0 0 4,124
VANGUARD INDEX FDS VALUE ETF 922908744 2,953 23,915 SH   SOLE 0 0 0 23,915
VANGUARD INDEX FDS TOTAL STK MKT 922908769 29,013 161,661 SH   SOLE 0 0 0 161,661
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,704 46,705 SH   SOLE 0 0 0 46,705
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 11,070 140,345 SH   SOLE 0 0 0 140,345
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 10,696 241,112 SH   SOLE 0 0 0 241,112
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 445 9,248 SH   SOLE 0 0 0 9,248
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 4,309 73,898 SH   SOLE 0 0 0 73,898
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 10,788 186,684 SH   SOLE 0 0 0 186,684
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 13,681 184,183 SH   SOLE 0 0 0 184,183
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 339 4,475 SH   SOLE 0 0 0 4,475
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 854 6,321 SH   SOLE 0 0 0 6,321
VANGUARD STAR FDS VG TL INTL STK F 921909768 11,028 240,941 SH   SOLE 0 0 0 240,941
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 859 23,638 SH   SOLE 0 0 0 23,638
VANGUARD WELLINGTON FD US VALUE FACTR 921935805 359 4,129 SH   SOLE 0 0 0 4,129
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 217 2,409 SH   SOLE 0 0 0 2,409
VANGUARD WORLD FDS INF TECH ETF 92204A702 33,773 109,879 SH   SOLE 0 0 0 109,879
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 867 3,689 SH   SOLE 0 0 0 3,689
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 1,695 10,761 SH   SOLE 0 0 0 10,761
VANGUARD WORLD FDS MATERIALS ETF 92204A801 515 3,471 SH   SOLE 0 0 0 3,471
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 8,582 115,281 SH   SOLE 0 0 0 115,281
VANGUARD WORLD FDS UTILITIES ETF 92204A876 2,344 16,480 SH   SOLE 0 0 0 16,480
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 2,848 34,582 SH   SOLE 0 0 0 34,582
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 17,484 78,157 SH   SOLE 0 0 0 78,157
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,982 19,513 SH   SOLE 0 0 0 19,513
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 1,250 7,275 SH   SOLE 0 0 0 7,275
VERIZON COMMUNICATIONS INC COM 92343V104 1,053 27,728 SH   SOLE 0 0 0 27,728
VISA INC COM CL A 92826C839 1,283 7,220 SH   SOLE 0 0 0 7,220
WALMART INC COM 931142103 1,396 10,766 SH   SOLE 0 0 0 10,766
WASTE MGMT INC DEL COM 94106L109 1,490 9,298 SH   SOLE 0 0 0 9,298
WISDOMTREE TR US LARGECAP DIVD 97717W307 303 5,491 SH   SOLE 0 0 0 5,491
YUM BRANDS INC COM 988498101 1,680 15,803 SH   SOLE 0 0 0 15,803
YUM CHINA HLDGS INC COM 98850P109 362 7,658 SH   SOLE 0 0 0 7,658
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 263 1,002 SH   SOLE 0 0 0 1,002