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 2,642 20,414 SH   SOLE   0 0 20,414
ABBOTT LABS COM 002824100 4,465 41,092 SH   SOLE   0 0 41,092
ABBVIE INC COM 00287Y109 4,700 30,686 SH   SOLE   0 0 30,686
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 783 2,821 SH   SOLE   0 0 2,821
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,426 3,895 SH   SOLE   0 0 3,895
AIR PRODS & CHEMS INC COM 009158106 610 2,538 SH   SOLE   0 0 2,538
ALLSTATE CORP COM 020002101 420 3,318 SH   SOLE   0 0 3,318
ALPHABET INC CAP STK CL A 02079K305 13,409 6,153 SH   SOLE   0 0 6,153
ALPHABET INC CAP STK CL C 02079K107 833 381 SH   SOLE   0 0 381
ALTRIA GROUP INC COM 02209S103 216 5,173 SH   SOLE   0 0 5,173
AMAZON COM INC COM 023135106 12,525 117,928 SH   SOLE   0 0 117,928
AMEREN CORP COM 023608102 340 3,760 SH   SOLE   0 0 3,760
AMERICAN ELEC PWR CO INC COM 025537101 392 4,081 SH   SOLE   0 0 4,081
AMERICAN EXPRESS CO COM 025816109 1,656 11,944 SH   SOLE   0 0 11,944
AMERICAN TOWER CORP NEW COM 03027X100 9,501 37,172 SH   SOLE   0 0 37,172
AMERIPRISE FINL INC COM 03076C106 231 973 SH   SOLE   0 0 973
AMGEN INC COM 031162100 893 3,671 SH   SOLE   0 0 3,671
ANGION BIOMEDICA CORP COM 03476J107 65 56,847 SH   SOLE   0 0 56,847
ANNALY CAPITAL MANAGEMENT IN COM 035710409 82 13,800 SH   SOLE   0 0 13,800
APPLE INC COM 037833100 44,223 323,459 SH   SOLE   0 0 323,459
AT&T INC COM 00206R102 1,100 52,490 SH   SOLE   0 0 52,490
ATMOS ENERGY CORP COM 049560105 280 2,500 SH   SOLE   0 0 2,500
AUTOMATIC DATA PROCESSING IN COM 053015103 5,112 24,338 SH   SOLE   0 0 24,338
BANK NEW YORK MELLON CORP COM 064058100 203 4,860 SH   SOLE   0 0 4,860
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 20,128 578,383 SH   SOLE   0 0 578,383
BAXTER INTL INC COM 071813109 481 7,487 SH   SOLE   0 0 7,487
BECTON DICKINSON & CO COM 075887109 509 2,066 SH   SOLE   0 0 2,066
BENTLEY SYS INC COM CL B 08265T208 2,240 67,267 SH   SOLE   0 0 67,267
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,227 3 SH   SOLE   0 0 3
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 5,277 19,330 SH   SOLE   0 0 19,330
BK OF AMERICA CORP COM 060505104 1,163 37,363 SH   SOLE   0 0 37,363
BLACKROCK INC COM 09247X101 6,428 10,554 SH   SOLE   0 0 10,554
BLACKSTONE INC COM 09260D107 241 2,640 SH   SOLE   0 0 2,640
BOEING CO COM 097023105 623 4,559 SH   SOLE   0 0 4,559
BRISTOL-MYERS SQUIBB CO COM 110122108 3,063 39,773 SH   SOLE   0 0 39,773
BRUKER CORP COM 116794108 809 12,896 SH   SOLE   0 0 12,896
CANADIAN PAC RY LTD COM 13645T100 295 4,230 SH   SOLE   0 0 4,230
CARLISLE COS INC COM 142339100 628 2,634 SH   SOLE   0 0 2,634
CATERPILLAR INC COM 149123101 2,227 12,458 SH   SOLE   0 0 12,458
CENTERPOINT ENERGY INC COM 15189T107 1,489 50,341 SH   SOLE   0 0 50,341
CHEVRON CORP NEW COM 166764100 18,403 127,108 SH   SOLE   0 0 127,108
CHUBB LIMITED COM H1467J104 420 2,137 SH   SOLE   0 0 2,137
CIGNA CORP NEW COM 125523100 686 2,604 SH   SOLE   0 0 2,604
CISCO SYS INC COM 17275R102 2,792 65,471 SH   SOLE   0 0 65,471
CMS ENERGY CORP COM 125896100 1,400 20,734 SH   SOLE   0 0 20,734
COCA COLA CO COM 191216100 2,714 43,145 SH   SOLE   0 0 43,145
COLGATE PALMOLIVE CO COM 194162103 351 4,377 SH   SOLE   0 0 4,377
COMCAST CORP NEW CL A 20030N101 8,828 224,962 SH   SOLE   0 0 224,962
CONOCOPHILLIPS COM 20825C104 372 4,142 SH   SOLE   0 0 4,142
CONSTELLATION ENERGY CORP COM 21037T109 262 4,583 SH   SOLE   0 0 4,583
CORNING INC COM 219350105 2,208 70,082 SH   SOLE   0 0 70,082
CORTEVA INC COM 22052L104 477 8,812 SH   SOLE   0 0 8,812
COSTCO WHSL CORP NEW COM 22160K105 11,729 24,472 SH   SOLE   0 0 24,472
CSX CORP COM 126408103 8,185 281,642 SH   SOLE   0 0 281,642
CUMMINS INC COM 231021106 243 1,258 SH   SOLE   0 0 1,258
CVS HEALTH CORP COM 126650100 10,086 108,845 SH   SOLE   0 0 108,845
D R HORTON INC COM 23331A109 6,283 94,929 SH   SOLE   0 0 94,929
DANAHER CORPORATION COM 235851102 10,699 42,202 SH   SOLE   0 0 42,202
DEERE & CO COM 244199105 6,286 20,989 SH   SOLE   0 0 20,989
DIGITAL RLTY TR INC COM 253868103 771 5,941 SH   SOLE   0 0 5,941
DISNEY WALT CO COM 254687106 7,355 77,915 SH   SOLE   0 0 77,915
DNP SELECT INCOME FD INC COM 23325P104 255 23,562 SH   SOLE   0 0 23,562
DOLLAR GEN CORP NEW COM 256677105 1,467 5,977 SH   SOLE   0 0 5,977
DOMINION ENERGY INC COM 25746U109 729 9,132 SH   SOLE   0 0 9,132
DOW INC COM 260557103 226 4,381 SH   SOLE   0 0 4,381
DUKE ENERGY CORP NEW COM NEW 26441C204 2,898 27,034 SH   SOLE   0 0 27,034
EASTMAN CHEM CO COM 277432100 377 4,200 SH   SOLE   0 0 4,200
EATON CORP PLC SHS G29183103 546 4,330 SH   SOLE   0 0 4,330
ECOLAB INC COM 278865100 6,041 39,288 SH   SOLE   0 0 39,288
EDWARDS LIFESCIENCES CORP COM 28176E108 518 5,443 SH   SOLE   0 0 5,443
EMERSON ELEC CO COM 291011104 2,183 27,449 SH   SOLE   0 0 27,449
ENBRIDGE INC COM 29250N105 1,311 31,115 SH   SOLE   0 0 31,115
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 539 53,972 SH   SOLE   0 0 53,972
ESSENTIAL UTILS INC COM 29670G102 4,216 91,956 SH   SOLE   0 0 91,956
EXELON CORP COM 30161N101 712 15,719 SH   SOLE   0 0 15,719
EXXON MOBIL CORP COM 30231G102 5,667 66,174 SH   SOLE   0 0 66,174
FEDERAL RLTY INVT TR NEW SH BEN INT NEW 313745101 426 4,452 SH   SOLE   0 0 4,452
FEDERAL SIGNAL CORP COM 313855108 353 9,924 SH   SOLE   0 0 9,924
FORD MTR CO DEL COM 345370860 5,853 525,834 SH   SOLE   0 0 525,834
GENERAL ELECTRIC CO COM NEW 369604301 350 5,491 SH   SOLE   0 0 5,491
GENERAL MLS INC COM 370334104 456 6,045 SH   SOLE   0 0 6,045
GSK PLC SPONSORED ADR 37733W105 456 10,480 SH   SOLE   0 0 10,480
HERSHEY CO COM 427866108 933 4,335 SH   SOLE   0 0 4,335
HOME DEPOT INC COM 437076102 1,171 4,269 SH   SOLE   0 0 4,269
HONEYWELL INTL INC COM 438516106 3,141 18,070 SH   SOLE   0 0 18,070
HP INC COM 40434L105 225 6,868 SH   SOLE   0 0 6,868
HUMANA INC COM 444859102 271 580 SH   SOLE   0 0 580
ILLINOIS TOOL WKS INC COM 452308109 288 1,581 SH   SOLE   0 0 1,581
INTEL CORP COM 458140100 3,590 95,962 SH   SOLE   0 0 95,962
INTERNATIONAL BUSINESS MACHS COM 459200101 4,467 31,635 SH   SOLE   0 0 31,635
INVESCO PA VALUE MUN INC TR COM 46132K109 653 62,455 SH   SOLE   0 0 62,455
INVESCO QQQ TR UNIT SER 1 46090E103 701 2,502 SH   SOLE   0 0 2,502
IONIS PHARMACEUTICALS INC COM 462222100 5,525 149,250 SH   SOLE   0 0 149,250
ISHARES INC CORE MSCI EMKT 46434G103 16,019 326,522 SH   SOLE   0 0 326,522
ISHARES TR BLACKROCK ULTRA 46434V878 200 3,999 SH   SOLE   0 0 3,999
ISHARES TR CORE MSCI EAFE 46432F842 16,240 275,952 SH   SOLE   0 0 275,952
ISHARES TR CORE S&P MCP ETF 464287507 1,033 4,568 SH   SOLE   0 0 4,568
ISHARES TR CORE S&P SCP ETF 464287804 66,991 724,928 SH   SOLE   0 0 724,928
ISHARES TR CORE S&P TTL STK 464287150 21,214 253,212 SH   SOLE   0 0 253,212
ISHARES TR CORE S&P500 ETF 464287200 53,228 140,386 SH   SOLE   0 0 140,386
ISHARES TR CORE US AGGBD ET 464287226 30,911 304,007 SH   SOLE   0 0 304,007
ISHARES TR ESG AWARE MSCI 46435U663 272 8,639 SH   SOLE   0 0 8,639
ISHARES TR ESG AWR MSCI USA 46435G425 388 4,620 SH   SOLE   0 0 4,620
ISHARES TR ESG AWR US AGRGT 46435U549 536 10,960 SH   SOLE   0 0 10,960
ISHARES TR ESG MSCI EM LDRS 46436E601 280 5,905 SH   SOLE   0 0 5,905
ISHARES TR IBOXX HI YD ETF 464288513 538 7,312 SH   SOLE   0 0 7,312
ISHARES TR IBOXX INV CP ETF 464287242 9,970 90,610 SH   SOLE   0 0 90,610
ISHARES TR ISHS 1-5YR INVS 464288646 286 5,650 SH   SOLE   0 0 5,650
ISHARES TR JPMORGAN USD EMG 464288281 22,046 258,390 SH   SOLE   0 0 258,390
ISHARES TR MSCI EAFE ETF 464287465 1,920 30,720 SH   SOLE   0 0 30,720
ISHARES TR MSCI EMG MKT ETF 464287234 1,509 37,643 SH   SOLE   0 0 37,643
ISHARES TR NATIONAL MUN ETF 464288414 213 2,004 SH   SOLE   0 0 2,004
ISHARES TR RUS 1000 ETF 464287622 248 1,193 SH   SOLE   0 0 1,193
ISHARES TR RUS MD CP GR ETF 464287481 315 3,979 SH   SOLE   0 0 3,979
ISHARES TR RUS MID CAP ETF 464287499 672 10,400 SH   SOLE   0 0 10,400
ISHARES TR S&P 100 ETF 464287101 743 4,306 SH   SOLE   0 0 4,306
ISHARES TR U.S. MED DVC ETF 464288810 474 9,392 SH   SOLE   0 0 9,392
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 4,785 95,535 SH   SOLE   0 0 95,535
JACOBS ENGR GROUP INC COM 469814107 229 1,800 SH   SOLE   0 0 1,800
JOHNSON & JOHNSON COM 478160104 23,220 130,808 SH   SOLE   0 0 130,808
JOHNSON CTLS INTL PLC SHS G51502105 245 5,112 SH   SOLE   0 0 5,112
JPMORGAN CHASE & CO COM 46625H100 15,793 140,245 SH   SOLE   0 0 140,245
KARYOPHARM THERAPEUTICS INC NOTE 3.000%10/1 48576UAA4 73 100,000 PRN   SOLE   0 0 100,000
KEYCORP COM 493267108 207 11,989 SH   SOLE   0 0 11,989
KIMBERLY-CLARK CORP COM 494368103 922 6,825 SH   SOLE   0 0 6,825
KINDER MORGAN INC DEL COM 49456B101 306 18,235 SH   SOLE   0 0 18,235
LILLY ELI & CO COM 532457108 1,127 3,477 SH   SOLE   0 0 3,477
LINDE PLC SHS G5494J103 330 1,146 SH   SOLE   0 0 1,146
LOCKHEED MARTIN CORP COM 539830109 982 2,283 SH   SOLE   0 0 2,283
M & T BK CORP COM 55261F104 315 1,974 SH   SOLE   0 0 1,974
MASCO CORP COM 574599106 435 8,595 SH   SOLE   0 0 8,595
MASTERCARD INCORPORATED CL A 57636Q104 1,061 3,363 SH   SOLE   0 0 3,363
MCDONALDS CORP COM 580135101 8,296 33,605 SH   SOLE   0 0 33,605
MEDTRONIC PLC SHS G5960L103 575 6,407 SH   SOLE   0 0 6,407
MERCK & CO INC COM 58933Y105 5,638 61,842 SH   SOLE   0 0 61,842
META PLATFORMS INC CL A 30303M102 831 5,156 SH   SOLE   0 0 5,156
MICROSOFT CORP COM 594918104 42,715 166,314 SH   SOLE   0 0 166,314
MONDELEZ INTL INC CL A 609207105 795 12,805 SH   SOLE   0 0 12,805
MORGAN STANLEY COM NEW 617446448 315 4,144 SH   SOLE   0 0 4,144
MUELLER WTR PRODS INC COM SER A 624758108 387 33,020 SH   SOLE   0 0 33,020
NEXTERA ENERGY INC COM 65339F101 11,707 151,141 SH   SOLE   0 0 151,141
NORTHROP GRUMMAN CORP COM 666807102 310 648 SH   SOLE   0 0 648
NUSHARES ETF TR NUVEEN ESG MIDCP 67092P409 288 8,387 SH   SOLE   0 0 8,387
NUTRIEN LTD COM 67077M108 334 4,185 SH   SOLE   0 0 4,185
NUVEEN MUN VALUE FD INC COM 670928100 113 12,622 SH   SOLE   0 0 12,622
NUVEEN PENNSYLVANIA QLT MUN COM 670972108 192 15,778 SH   SOLE   0 0 15,778
NVIDIA CORPORATION COM 67066G104 11,970 78,962 SH   SOLE   0 0 78,962
ORACLE CORP COM 68389X105 524 7,504 SH   SOLE   0 0 7,504
PAYCHEX INC COM 704326107 2,188 19,216 SH   SOLE   0 0 19,216
PAYPAL HLDGS INC COM 70450Y103 1,265 18,107 SH   SOLE   0 0 18,107
PEPSICO INC COM 713448108 5,328 31,971 SH   SOLE   0 0 31,971
PFIZER INC COM 717081103 9,337 178,084 SH   SOLE   0 0 178,084
PHILIP MORRIS INTL INC COM 718172109 300 3,034 SH   SOLE   0 0 3,034
PNC FINL SVCS GROUP INC COM 693475105 10,337 65,521 SH   SOLE   0 0 65,521
PPG INDS INC COM 693506107 753 6,586 SH   SOLE   0 0 6,586
PPL CORP COM 69351T106 1,781 65,663 SH   SOLE   0 0 65,663
PROCTER AND GAMBLE CO COM 742718109 17,155 119,306 SH   SOLE   0 0 119,306
PROLOGIS INC. COM 74340W103 20,315 172,671 SH   SOLE   0 0 172,671
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 291 4,599 SH   SOLE   0 0 4,599
QUALCOMM INC COM 747525103 10,654 83,401 SH   SOLE   0 0 83,401
RAYTHEON TECHNOLOGIES CORP COM 75513E101 785 8,165 SH   SOLE   0 0 8,165
S&P GLOBAL INC COM 78409V104 8,192 24,303 SH   SOLE   0 0 24,303
SCHLUMBERGER LTD COM STK 806857108 1,864 52,116 SH   SOLE   0 0 52,116
SCHWAB CHARLES CORP COM 808513105 6,842 108,297 SH   SOLE   0 0 108,297
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 412 5,752 SH   SOLE   0 0 5,752
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 253 4,370 SH   SOLE   0 0 4,370
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 88,956 1,418,077 SH   SOLE   0 0 1,418,077
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 471 12,074 SH   SOLE   0 0 12,074
SELECT SECTOR SPDR TR ENERGY 81369Y506 590 8,256 SH   SOLE   0 0 8,256
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 413 5,896 SH   SOLE   0 0 5,896
SHELL PLC SPON ADS 780259305 438 8,376 SH   SOLE   0 0 8,376
SHERWIN WILLIAMS CO COM 824348106 4,516 20,168 SH   SOLE   0 0 20,168
SHOPIFY INC CL A 82509L107 200 6,410 SH   SOLE   0 0 6,410
SOUTH JERSEY INDS INC COM 838518108 224 6,558 SH   SOLE   0 0 6,558
SOUTHERN CO COM 842587107 475 6,660 SH   SOLE   0 0 6,660
SPDR GOLD TR GOLD SHS 78463V107 306 1,816 SH   SOLE   0 0 1,816
SPDR S&P 500 ETF TR TR UNIT 78462F103 13,687 36,281 SH   SOLE   0 0 36,281
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 535 1,294 SH   SOLE   0 0 1,294
SPDR SER TR BLOOMBERG HIGH Y 78468R622 11,780 129,866 SH   SOLE   0 0 129,866
SPDR SER TR DJ REIT ETF 78464A607 204 2,147 SH   SOLE   0 0 2,147
SPDR SER TR PORTFOLIO INTRMD 78464A375 2,976 91,209 SH   SOLE   0 0 91,209
SPDR SER TR PORTFOLIO SHORT 78464A474 11,450 385,117 SH   SOLE   0 0 385,117
SPDR SER TR S&P 600 SML CAP 78464A813 456 5,700 SH   SOLE   0 0 5,700
SPROTT PHYSICAL GOLD & SILVE TR UNIT 85208R101 393 23,348 SH   SOLE   0 0 23,348
STANLEY BLACK & DECKER INC COM 854502101 355 3,383 SH   SOLE   0 0 3,383
STATE STR CORP COM 857477103 254 4,120 SH   SOLE   0 0 4,120
STRYKER CORPORATION COM 863667101 7,460 37,502 SH   SOLE   0 0 37,502
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109 2,263 18,470 SH   SOLE   0 0 18,470
TARGET CORP COM 87612E106 6,747 47,776 SH   SOLE   0 0 47,776
TELEFLEX INCORPORATED COM 879369106 1,902 7,738 SH   SOLE   0 0 7,738
TESLA INC COM 88160R101 255 378 SH   SOLE   0 0 378
TEXAS INSTRS INC COM 882508104 758 4,933 SH   SOLE   0 0 4,933
TEXAS PACIFIC LAND CORPORATI COM 88262P102 310 208 SH   SOLE   0 0 208
TEXTRON INC COM 883203101 743 12,166 SH   SOLE   0 0 12,166
TRANE TECHNOLOGIES PLC SHS G8994E103 5,566 42,855 SH   SOLE   0 0 42,855
TRAVELERS COMPANIES INC COM 89417E109 337 1,992 SH   SOLE   0 0 1,992
TWO HBRS INVT CORP COM NEW 90187B408 50 10,125 SH   SOLE   0 0 10,125
TYSON FOODS INC CL A 902494103 2,374 27,586 SH   SOLE   0 0 27,586
UNION PAC CORP COM 907818108 504 2,361 SH   SOLE   0 0 2,361
UNITED PARCEL SERVICE INC CL B 911312106 347 1,899 SH   SOLE   0 0 1,899
UNIVEST FINANCIAL CORPORATIO COM 915271100 884 34,758 SH   SOLE   0 0 34,758
VANECK ETF TRUST OIL SERVICES ETF 92189H607 231 995 SH   SOLE   0 0 995
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869 223 1,411 SH   SOLE   0 0 1,411
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,990 25,622 SH   SOLE   0 0 25,622
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 1,701 21,332 SH   SOLE   0 0 21,332
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,224 28,968 SH   SOLE   0 0 28,968
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 367 4,872 SH   SOLE   0 0 4,872
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 389 7,910 SH   SOLE   0 0 7,910
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 1,725 34,830 SH   SOLE   0 0 34,830
VANGUARD INDEX FDS GROWTH ETF 922908736 6,616 29,681 SH   SOLE   0 0 29,681
VANGUARD INDEX FDS LARGE CAP ETF 922908637 3,203 18,583 SH   SOLE   0 0 18,583
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 290 1,652 SH   SOLE   0 0 1,652
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 260 2,009 SH   SOLE   0 0 2,009
VANGUARD INDEX FDS MID CAP ETF 922908629 24,793 125,874 SH   SOLE   0 0 125,874
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 975 2,810 SH   SOLE   0 0 2,810
VANGUARD INDEX FDS SMALL CP ETF 922908751 23,724 134,712 SH   SOLE   0 0 134,712
VANGUARD INDEX FDS SML CP GRW ETF 922908595 271 1,378 SH   SOLE   0 0 1,378
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,046 10,849 SH   SOLE   0 0 10,849
VANGUARD INDEX FDS VALUE ETF 922908744 6,325 47,958 SH   SOLE   0 0 47,958
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 10,781 215,792 SH   SOLE   0 0 215,792
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 91,171 2,188,986 SH   SOLE   0 0 2,188,986
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 751 15,710 SH   SOLE   0 0 15,710
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 252 3,305 SH   SOLE   0 0 3,305
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 377 2,626 SH   SOLE   0 0 2,626
VANGUARD STAR FDS VG TL INTL STK F 921909768 653 12,659 SH   SOLE   0 0 12,659
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 74,824 1,833,920 SH   SOLE   0 0 1,833,920
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 4,718 76,960 SH   SOLE   0 0 76,960
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 242 1,063 SH   SOLE   0 0 1,063
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 607 7,870 SH   SOLE   0 0 7,870
VANGUARD WORLD FDS INF TECH ETF 92204A702 395 1,209 SH   SOLE   0 0 1,209
VERIZON COMMUNICATIONS INC COM 92343V104 5,908 116,415 SH   SOLE   0 0 116,415
VISA INC COM CL A 92826C839 14,819 75,264 SH   SOLE   0 0 75,264
WALMART INC COM 931142103 323 2,657 SH   SOLE   0 0 2,657
WARNER BROS DISCOVERY INC COM SER A 934423104 167 12,468 SH   SOLE   0 0 12,468
WASTE MGMT INC DEL COM 94106L109 7,032 45,969 SH   SOLE   0 0 45,969
WEC ENERGY GROUP INC COM 92939U106 295 2,936 SH   SOLE   0 0 2,936
WELLS FARGO CO NEW COM 949746101 857 21,867 SH   SOLE   0 0 21,867
WESTERN DIGITAL CORP. COM 958102105 949 21,168 SH   SOLE   0 0 21,168
WEYERHAEUSER CO MTN BE COM NEW 962166104 550 16,610 SH   SOLE   0 0 16,610
WILLIAMS COS INC COM 969457100 483 15,463 SH   SOLE   0 0 15,463
ZIMMER BIOMET HOLDINGS INC COM 98956P102 640 6,089 SH   SOLE   0 0 6,089
ZOETIS INC CL A 98978V103 10,430 60,676 SH   SOLE   0 0 60,676