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
CHUBB LIMITED COM H1467J104 447 2,272 SH   SOLE   0 0 2,272
TRANE TECHNOLOGIES PLC SHS G8994E103 487 3,748 SH   SOLE   0 0 3,748
APTIV PLC SHS G6095L109 719 8,072 SH   SOLE   0 0 8,072
MEDTRONIC PLC SHS G5960L103 539 6,007 SH   SOLE   0 0 6,007
ZOETIS INC CL A 98978V103 383 2,226 SH   SOLE   0 0 2,226
WP CAREY INC COM 92936U109 609 7,351 SH   SOLE   0 0 7,351
VISA INC COM CL A 92826C839 272 1,383 SH   SOLE   0 0 1,383
VERIZON COMMUNICATIONS INC COM 92343V104 2,344 46,179 SH   SOLE   0 0 46,179
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 5,973 78,328 SH   SOLE   0 0 78,328
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 1,659 30,809 SH   SOLE   0 0 30,809
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387 269 11,995 SH   SOLE   0 0 11,995
VALERO ENERGY CORP COM 91913Y100 943 8,873 SH   SOLE   0 0 8,873
UNITEDHEALTH GROUP INC COM 91324P102 257 500 SH   SOLE   0 0 500
3M CO COM 88579Y101 518 4,000 SH   SOLE   0 0 4,000
TESLA INC COM 88160R101 343 510 SH   SOLE   0 0 510
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,259 9,902 SH   SOLE   0 0 9,902
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1,790 56,906 SH   SOLE   0 0 56,906
SELECT SECTOR SPDR TR ENERGY 81369Y506 246 3,444 SH   SOLE   0 0 3,444
SALESFORCE INC COM 79466L302 203 1,229 SH   SOLE   0 0 1,229
SVB FINANCIAL GROUP COM 78486Q101 218 552 SH   SOLE   0 0 552
SPDR SER TR NUVEEN BLMBRG SH 78468R739 1,699 35,950 SH   SOLE   0 0 35,950
SPDR SER TR NUVEEN BLMBRG MU 78468R721 544 11,858 SH   SOLE   0 0 11,858
SPDR SER TR BLOOMBERG SHT TE 78468R408 2,312 95,867 SH   SOLE   0 0 95,867
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 5,983 14,470 SH   SOLE   0 0 14,470
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 683 16,404 SH   SOLE   0 0 16,404
SPDR GOLD TR GOLD SHS 78463V107 1,069 6,345 SH   SOLE   0 0 6,345
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,426 11,733 SH   SOLE   0 0 11,733
PAYPAL HLDGS INC COM 70450Y103 511 7,314 SH   SOLE   0 0 7,314
NVIDIA CORPORATION COM 67066G104 9,698 63,976 SH   SOLE   0 0 63,976
NOVARTIS AG SPONSORED ADR 66987V109 264 3,124 SH   SOLE   0 0 3,124
METLIFE INC COM 59156R108 629 10,023 SH   SOLE   0 0 10,023
MERCK & CO INC COM 58933Y105 1,140 12,508 SH   SOLE   0 0 12,508
MCKESSON CORP COM 58155Q103 2,596 7,957 SH   SOLE   0 0 7,957
MASTERCARD INCORPORATED CL A 57636Q104 2,913 9,235 SH   SOLE   0 0 9,235
JPMORGAN CHASE & CO COM 46625H100 3,230 28,682 SH   SOLE   0 0 28,682
ISHARES TR MSCI USA MMENTM 46432F396 759 5,568 SH   SOLE   0 0 5,568
ISHARES TR MSCI USA QLT FCT 46432F339 945 8,461 SH   SOLE   0 0 8,461
ISHARES TR MSCI USA MIN VOL 46429B697 977 13,920 SH   SOLE   0 0 13,920
ISHARES TR MSCI EAFE MIN VL 46429B689 413 6,516 SH   SOLE   0 0 6,516
ISHARES TR FLTG RATE NT ETF 46429B655 2,101 42,086 SH   SOLE   0 0 42,086
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 2,079 93,705 SH   SOLE   0 0 93,705
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 1,178 58,093 SH   SOLE   0 0 58,093
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 4,108 30,601 SH   SOLE   0 0 30,601
HP INC COM 40434L105 1,309 39,940 SH   SOLE   0 0 39,940
GLOBAL X FDS US INFR DEV ETF 37954Y673 1,672 73,431 SH   SOLE   0 0 73,431
FIDELITY NATIONAL FINANCIAL FNF GROUP COM 31620R303 484 13,098 SH   SOLE   0 0 13,098
META PLATFORMS INC CL A 30303M102 815 5,056 SH   SOLE   0 0 5,056
EXXON MOBIL CORP COM 30231G102 27,470 320,762 SH   SOLE   0 0 320,762
COSTCO WHSL CORP NEW COM 22160K105 837 1,747 SH   SOLE   0 0 1,747
CONSTELLATION BRANDS INC CL A 21036P108 4,143 17,776 SH   SOLE   0 0 17,776
CONOCOPHILLIPS COM 20825C104 239 2,659 SH   SOLE   0 0 2,659
CISCO SYS INC COM 17275R102 1,988 46,612 SH   SOLE   0 0 46,612
CAPITAL ONE FINL CORP COM 14040H105 1,242 11,920 SH   SOLE   0 0 11,920
C H ROBINSON WORLDWIDE INC COM NEW 12541W209 601 5,925 SH   SOLE   0 0 5,925
BROADCOM INC COM 11135F101 563 1,159 SH   SOLE   0 0 1,159
BLACKSTONE INC COM 09260D107 512 5,610 SH   SOLE   0 0 5,610
AMERIPRISE FINL INC COM 03076C106 1,071 4,506 SH   SOLE   0 0 4,506
ALTRIA GROUP INC COM 02209S103 565 13,524 SH   SOLE   0 0 13,524
ALPHABET INC CAP STK CL A 02079K305 3,600 1,652 SH   SOLE   0 0 1,652
ALPHABET INC CAP STK CL C 02079K107 669 306 SH   SOLE   0 0 306
ABBVIE INC COM 00287Y109 618 4,033 SH   SOLE   0 0 4,033
TRAVELERS COMPANIES INC COM 89417E109 1,682 9,948 SH   SOLE   0 0 9,948
TARGET CORP COM 87612E106 2,090 14,801 SH   SOLE   0 0 14,801
INVESCO QQQ TR UNIT SER 1 46090E103 2,249 8,023 SH   SOLE   0 0 8,023
QUANTA SVCS INC COM 74762E102 2,655 21,179 SH   SOLE   0 0 21,179
RAYTHEON TECHNOLOGIES CORP COM 75513E101 486 5,055 SH   SOLE   0 0 5,055
WALMART INC COM 931142103 1,571 12,923 SH   SOLE   0 0 12,923
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,826 27,403 SH   SOLE   0 0 27,403
VANGUARD INDEX FDS VALUE ETF 922908744 308 2,333 SH   SOLE   0 0 2,333
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 291 2,862 SH   SOLE   0 0 2,862
UNION PAC CORP COM 907818108 1,153 5,405 SH   SOLE   0 0 5,405
TYSON FOODS INC CL A 902494103 1,979 22,992 SH   SOLE   0 0 22,992
THERMO FISHER SCIENTIFIC INC COM 883556102 4,204 7,739 SH   SOLE   0 0 7,739
TEXAS INSTRS INC COM 882508104 552 3,590 SH   SOLE   0 0 3,590
TJX COS INC NEW COM 872540109 215 3,850 SH   SOLE   0 0 3,850
SYSCO CORP COM 871829107 351 4,144 SH   SOLE   0 0 4,144
SYNOPSYS INC COM 871607107 761 2,507 SH   SOLE   0 0 2,507
STRYKER CORPORATION COM 863667101 795 3,997 SH   SOLE   0 0 3,997
STANLEY BLACK & DECKER INC COM 854502101 787 7,502 SH   SOLE   0 0 7,502
SMUCKER J M CO COM NEW 832696405 496 3,871 SH   SOLE   0 0 3,871
SHERWIN WILLIAMS CO COM 824348106 212 945 SH   SOLE   0 0 945
ROPER TECHNOLOGIES INC COM 776696106 1,956 4,956 SH   SOLE   0 0 4,956
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 1,905 30,109 SH   SOLE   0 0 30,109
PROCTER AND GAMBLE CO COM 742718109 1,709 11,888 SH   SOLE   0 0 11,888
PFIZER INC COM 717081103 2,814 53,672 SH   SOLE   0 0 53,672
PEPSICO INC COM 713448108 214 1,285 SH   SOLE   0 0 1,285
MICROCHIP TECHNOLOGY INC. COM 595017104 760 13,082 SH   SOLE   0 0 13,082
MICROSOFT CORP COM 594918104 3,793 14,769 SH   SOLE   0 0 14,769
MCDONALDS CORP COM 580135101 2,140 8,669 SH   SOLE   0 0 8,669
LOWES COS INC COM 548661107 1,870 10,708 SH   SOLE   0 0 10,708
LILLY ELI & CO COM 532457108 1,659 5,116 SH   SOLE   0 0 5,116
L3HARRIS TECHNOLOGIES INC COM 502431109 517 2,138 SH   SOLE   0 0 2,138
LKQ CORP COM 501889208 1,123 22,876 SH   SOLE   0 0 22,876
KRANESHARES TR GLOBAL CARB STRA 500767678 1,243 25,251 SH   SOLE   0 0 25,251
KLA CORP COM NEW 482480100 1,045 3,274 SH   SOLE   0 0 3,274
JOHNSON & JOHNSON COM 478160104 1,504 8,471 SH   SOLE   0 0 8,471
ISHARES TR US HOME CONS ETF 464288752 1,228 23,389 SH   SOLE   0 0 23,389
ISHARES TR PFD AND INCM SEC 464288687 449 13,656 SH   SOLE   0 0 13,656
ISHARES TR ISHS 5-10YR INVT 464288638 556 10,898 SH   SOLE   0 0 10,898
ISHARES TR NATIONAL MUN ETF 464288414 212 1,994 SH   SOLE   0 0 1,994
ISHARES TR CORE S&P SCP ETF 464287804 407 4,408 SH   SOLE   0 0 4,408
ISHARES TR U.S. TECH ETF 464287721 200 2,505 SH   SOLE   0 0 2,505
ISHARES TR RUSSELL 2000 ETF 464287655 4,187 24,724 SH   SOLE   0 0 24,724
ISHARES TR RUS 1000 ETF 464287622 971 4,676 SH   SOLE   0 0 4,676
ISHARES TR RUS 1000 GRW ETF 464287614 1,278 5,844 SH   SOLE   0 0 5,844
ISHARES TR COHEN STEER REIT 464287564 1,232 20,278 SH   SOLE   0 0 20,278
ISHARES TR MSCI EAFE ETF 464287465 534 8,541 SH   SOLE   0 0 8,541
ISHARES TR 1 3 YR TREAS BD 464287457 895 10,805 SH   SOLE   0 0 10,805
ISHARES TR MSCI EMG MKT ETF 464287234 634 15,800 SH   SOLE   0 0 15,800
ISHARES TR CORE US AGGBD ET 464287226 7,437 73,143 SH   SOLE   0 0 73,143
ISHARES TR CORE S&P500 ETF 464287200 8,858 23,363 SH   SOLE   0 0 23,363
ISHARES TR TIPS BD ETF 464287176 1,431 12,561 SH   SOLE   0 0 12,561
ISHARES TR SELECT DIVID ETF 464287168 595 5,054 SH   SOLE   0 0 5,054
INTERNATIONAL BUSINESS MACHS COM 459200101 583 4,126 SH   SOLE   0 0 4,126
INTEL CORP COM 458140100 1,322 35,338 SH   SOLE   0 0 35,338
HASBRO INC COM 418056107 608 7,423 SH   SOLE   0 0 7,423
GILEAD SCIENCES INC COM 375558103 1,203 19,468 SH   SOLE   0 0 19,468
GENERAL DYNAMICS CORP COM 369550108 781 3,528 SH   SOLE   0 0 3,528
FISERV INC COM 337738108 2,354 26,458 SH   SOLE   0 0 26,458
EMERSON ELEC CO COM 291011104 297 3,730 SH   SOLE   0 0 3,730
ECOLAB INC COM 278865100 461 2,998 SH   SOLE   0 0 2,998
DOW INC COM 260557103 561 10,863 SH   SOLE   0 0 10,863
DISNEY WALT CO COM 254687106 1,224 12,965 SH   SOLE   0 0 12,965
DARDEN RESTAURANTS INC COM 237194105 1,870 16,530 SH   SOLE   0 0 16,530
DANAHER CORPORATION COM 235851102 1,335 5,265 SH   SOLE   0 0 5,265
DTE ENERGY CO COM 233331107 1,393 10,987 SH   SOLE   0 0 10,987
CUMMINS INC COM 231021106 1,385 7,156 SH   SOLE   0 0 7,156
COCA COLA CO COM 191216100 1,371 21,790 SH   SOLE   0 0 21,790
CLEVELAND-CLIFFS INC NEW COM 185899101 256 16,646 SH   SOLE   0 0 16,646
CITIGROUP INC COM NEW 172967424 616 13,394 SH   SOLE   0 0 13,394
CHEVRON CORP NEW COM 166764100 8,639 59,667 SH   SOLE   0 0 59,667
CATERPILLAR INC COM 149123101 309 1,728 SH   SOLE   0 0 1,728
CVS HEALTH CORP COM 126650100 2,002 21,609 SH   SOLE   0 0 21,609
CF INDS HLDGS INC COM 125269100 1,283 14,970 SH   SOLE   0 0 14,970
BRISTOL-MYERS SQUIBB CO COM 110122108 673 8,740 SH   SOLE   0 0 8,740
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 319 1,168 SH   SOLE   0 0 1,168
BK OF AMERICA CORP COM 060505104 2,015 64,729 SH   SOLE   0 0 64,729
BP PLC SPONSORED ADR 055622104 313 11,044 SH   SOLE   0 0 11,044
AUTOMATIC DATA PROCESSING IN COM 053015103 239 1,137 SH   SOLE   0 0 1,137
APPLE INC COM 037833100 16,226 118,681 SH   SOLE   0 0 118,681
AMERICAN WTR WKS CO INC NEW COM 030420103 225 1,515 SH   SOLE   0 0 1,515
AMAZON COM INC COM 023135106 1,912 18,000 SH   SOLE   0 0 18,000
ALLSTATE CORP COM 020002101 1,845 14,556 SH   SOLE   0 0 14,556
ALBERTSONS COS INC COMMON STOCK 013091103 500 18,715 SH   SOLE   0 0 18,715
ABBOTT LABS COM 002824100 334 3,076 SH   SOLE   0 0 3,076