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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM Stock 023135106 790 7,441 SH   SOLE   7,440 0 0
ISHARES NORTH AMERICAN NATURAL RESOURCES ETF ETF 464287374 9,462 262,974 SH   SOLE   262,973 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803 433 3,406 SH   SOLE   3,405 0 0
ISHARES MSCI CANADA ETF ETF 464286509 1,279 37,985 SH   SOLE   37,985 0 0
ELEVANCE HEALTH INC COM Stock 036752103 288 598 SH   SOLE   597 0 0
TEMPLETON EMERGING MKTS FD COM CEF 880191101 2,174 181,468 SH   SOLE   181,467 0 0
WILLIS TOWERS WATSON PLC LTD SHS Stock G96629103 335 1,698 SH   SOLE   1,698 0 0
JOHNSON & JOHNSON COM Stock 478160104 557 3,139 SH   SOLE   3,139 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769 1,053 5,583 SH   SOLE   5,583 0 0
VANGUARD ENERGY ETF ETF 92204A306 2,723 27,378 SH   SOLE   27,377 0 0
INVESCO WILDERHILL CLEAN ENERGY ETF ETF 46137V134 2,520 55,133 SH   SOLE   55,132 0 0
COSTCO WHSL CORP NEW COM Stock 22160K105 814 1,699 SH   SOLE   1,699 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 1,684 42,004 SH   SOLE   42,004 0 0
YUM BRANDS INC COM Stock 988498101 297 2,616 SH   SOLE   2,616 0 0
OLD DOMINION FREIGHT LINE INC COM Stock 679580100 287 1,119 SH   SOLE   1,119 0 0
ISHARES LATIN AMERICA 40 ETF ETF 464287390 688 30,543 SH   SOLE   30,543 0 0
ISHARES GLOBAL COMM SERVICES ETF ETF 464287275 427 6,972 SH   SOLE   6,972 0 0
PROCTER AND GAMBLE CO COM Stock 742718109 1,114 7,751 SH   SOLE   7,750 0 0
COCA COLA CO COM Stock 191216100 280 4,451 SH   SOLE   4,450 0 0
ISHARES U.S. HEALTHCARE ETF ETF 464287762 218 811 SH   SOLE   811 0 0
NUVEEN CR STRATEGIES INCOME FD COM SHS CEF 67073D102 264 50,693 SH   SOLE   50,693 0 0
ISHARES U.S. ENERGY ETF ETF 464287796 593 15,553 SH   SOLE   15,553 0 0
TRUIST FINL CORP COM Stock 89832Q109 393 8,287 SH   SOLE   8,286 0 0
MARRIOTT INTL INC NEW CL A Stock 571903202 352 2,591 SH   SOLE   2,590 0 0
VANGUARD REAL ESTATE ETF ETF 922908553 5,383 59,077 SH   SOLE   59,076 0 0
PAYCHEX INC COM Stock 704326107 577 5,071 SH   SOLE   5,071 0 0
ISHARES MSCI UNITED KINGDOM ETF ETF 46435G334 603 20,143 SH   SOLE   20,143 0 0
MERCK & CO INC COM Stock 58933Y105 937 10,277 SH   SOLE   10,277 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158 376 3,594 SH   SOLE   3,594 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103 538 1,426 SH   SOLE   1,425 0 0
MCKESSON CORP COM Stock 58155Q103 378 1,158 SH   SOLE   1,157 0 0
EMERSON ELEC CO COM Stock 291011104 576 7,236 SH   SOLE   7,235 0 0
ISHARES TIPS BOND ETF ETF 464287176 9,549 83,826 SH   SOLE   83,825 0 0
ISHARES 1-3 YEAR INTERNATIONAL TREASURY BOND ETF ETF 464288125 1,041 14,958 SH   SOLE   14,957 0 0
SMUCKER J M CO COM NEW Stock 832696405 473 3,697 SH   SOLE   3,696 0 0
ISHARES U.S. HOME CONSTRUCTION ETF ETF 464288752 801 15,248 SH   SOLE   15,247 0 0
ISHARES GLOBAL HEALTHCARE ETF ETF 464287325 1,441 17,765 SH   SOLE   17,764 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF ETF 922042718 2,844 27,556 SH   SOLE   27,556 0 0
ISHARES COHEN & STEERS REIT ETF ETF 464287564 2,440 40,154 SH   SOLE   40,154 0 0
FEDEX CORP COM Stock 31428X106 230 1,013 SH   SOLE   1,013 0 0
PEPSICO INC COM Stock 713448108 837 5,022 SH   SOLE   5,022 0 0
ISHARES INTERNATIONAL TREASURY BOND ETF ETF 464288117 5,330 130,358 SH   SOLE   130,358 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF ETF 464287457 2,347 28,350 SH   SOLE   28,350 0 0
KIMBERLY-CLARK CORP COM Stock 494368103 397 2,940 SH   SOLE   2,939 0 0
HOME DEPOT INC COM Stock 437076102 384 1,400 SH   SOLE   1,400 0 0
AUTOMATIC DATA PROCESSING INC COM Stock 053015103 359 1,711 SH   SOLE   1,710 0 0
ISHARES RUSSELL 2000 VALUE ETF ETF 464287630 1,244 9,133 SH   SOLE   9,133 0 0
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 492 3,837 SH   SOLE   3,836 0 0
BECTON DICKINSON & CO COM Stock 075887109 367 1,489 SH   SOLE   1,488 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 2,990 76,686 SH   SOLE   76,685 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 291 1,330 SH   SOLE   1,330 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 6,648 150,451 SH   SOLE   150,451 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 215 6,840 SH   SOLE   6,840 0 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 422 5,847 SH   SOLE   5,847 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804 2,992 32,373 SH   SOLE   32,372 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 743 32,638 SH   SOLE   32,638 0 0
ALPHABET INC CAP STK CL A Stock 02079K305 652 299 SH   SOLE   299 0 0
ISHARES MSCI PACIFIC EX-JAPAN ETF ETF 464286665 287 6,890 SH   SOLE   6,889 0 0
INTUIT COM Stock 461202103 281 730 SH   SOLE   729 0 0
MICROSOFT CORP COM Stock 594918104 1,501 5,845 SH   SOLE   5,845 0 0
CVS HEALTH CORP COM Stock 126650100 250 2,700 SH   SOLE   2,699 0 0
ISHARES EUROPE ETF ETF 464287861 2,535 59,355 SH   SOLE   59,355 0 0
ISHARES MSCI BRAZIL ETF ETF 464286400 650 23,744 SH   SOLE   23,744 0 0
ROYCE MICRO-CAP TR INC COM CEF 780915104 2,030 242,793 SH   SOLE   242,792 0 0
BOEING CO COM Stock 097023105 367 2,684 SH   SOLE   2,684 0 0
VANGUARD SMALL-CAP ETF ETF 922908751 1,322 7,509 SH   SOLE   7,508 0 0
VANGUARD MID-CAP ETF ETF 922908629 589 2,988 SH   SOLE   2,988 0 0
VANGUARD HEALTH CARE ETF ETF 92204A504 235 999 SH   SOLE   998 0 0
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 230 7,316 SH   SOLE   7,315 0 0
TEMPLETON GLOBAL INCOME FD COM CEF 880198106 2,927 663,639 SH   SOLE   663,638 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874 473 8,959 SH   SOLE   8,958 0 0
BLACKROCK CORE BD TR SHS BEN INT CEF 09249E101 1,867 164,970 SH   SOLE   164,969 0 0
CONSOLIDATED EDISON INC COM Stock 209115104 231 2,425 SH   SOLE   2,424 0 0
ISHARES U.S. REGIONAL BANKS ETF ETF 464288778 968 19,643 SH   SOLE   19,642 0 0
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 10,645 104,954 SH   SOLE   104,953 0 0
VANECK GOLD MINERS ETF ETF 92189F106 248 9,040 SH   SOLE   9,040 0 0
LILLY ELI & CO COM Stock 532457108 327 1,009 SH   SOLE   1,008 0 0
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 209 4,058 SH   SOLE   4,057 0 0
VANGUARD S&P 500 VALUE ETF ETF 921932703 3,773 28,397 SH   SOLE   28,396 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655 1,004 5,928 SH   SOLE   5,928 0 0
MICRON TECHNOLOGY INC COM Stock 595112103 204 3,687 SH   SOLE   3,686 0 0
SYSCO CORP COM Stock 871829107 223 2,634 SH   SOLE   2,633 0 0
MARATHON PETE CORP COM Stock 56585A102 277 3,373 SH   SOLE   3,373 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611 1,268 8,465 SH   SOLE   8,465 0 0
VANECK IG FLOATING RATE ETF ETF 92189F486 6,269 254,020 SH   SOLE   254,019 0 0
ISHARES MSCI EAFE VALUE ETF ETF 464288877 411 9,476 SH   SOLE   9,475 0 0
VANGUARD MID-CAP GROWTH ETF ETF 922908538 228 1,299 SH   SOLE   1,298 0 0
ISHARES GLOBAL 100 ETF ETF 464287572 240 3,745 SH   SOLE   3,744 0 0
VISA INC COM CL A Stock 92826C839 257 1,305 SH   SOLE   1,304 0 0
HERSHEY CO COM Stock 427866108 341 1,583 SH   SOLE   1,583 0 0
INVESCO SOLAR ETF ETF 46138G706 566 7,931 SH   SOLE   7,930 0 0
PIMCO ACTIVE BOND ETF ETF 72201R775 1,701 17,859 SH   SOLE   17,858 0 0
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595 739 3,752 SH   SOLE   3,752 0 0
ISHARES U.S. TREASURY BOND ETF ETF 46429B267 1,324 55,418 SH   SOLE   55,418 0 0
ISHARES MICRO-CAP ETF ETF 464288869 1,491 14,343 SH   SOLE   14,343 0 0
FLAHERTY & CRUMRINE PFD SECS I COM CEF 338478100 1,515 90,328 SH   SOLE   90,327 0 0
ISHARES MSCI GLOBAL METALS & MINING PRODUCERS ETF ETF 46434G848 1,095 30,752 SH   SOLE   30,752 0 0
ISHARES MSCI GLOBAL GOLD MINERS ETF ETF 46434G855 893 41,007 SH   SOLE   41,006 0 0
VANGUARD RUSSELL 3000 ETF ETF 92206C599 6,601 39,057 SH   SOLE   39,056 0 0
ISHARES GLOBAL UTILITIES ETF ETF 464288711 373 6,211 SH   SOLE   6,210 0 0
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101 293 1,056 SH   SOLE   1,055 0 0
OMNICOM GROUP INC COM Stock 681919106 340 5,342 SH   SOLE   5,342 0 0
NVIDIA CORPORATION COM Stock 67066G104 1,146 7,562 SH   SOLE   7,561 0 0
SANDY SPRING BANCORP INC COM Stock 800363103 283 7,255 SH   SOLE   7,255 0 0
ABBVIE INC COM Stock 00287Y109 707 4,614 SH   SOLE   4,613 0 0
SPDR S&P BIOTECH ETF ETF 78464A870 338 4,552 SH   SOLE   4,552 0 0
SPDR S&P METALS & MINING ETF ETF 78464A755 990 22,821 SH   SOLE   22,821 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835 24,185 321,348 SH   SOLE   321,348 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF 464287648 303 1,470 SH   SOLE   1,469 0 0
FASTENAL CO COM Stock 311900104 233 4,676 SH   SOLE   4,676 0 0
ISHARES GLOBAL FINANCIALS ETF ETF 464287333 378 5,754 SH   SOLE   5,754 0 0
MCDONALDS CORP COM Stock 580135101 264 1,071 SH   SOLE   1,070 0 0
CISCO SYS INC COM Stock 17275R102 342 8,025 SH   SOLE   8,024 0 0
ADVANCED MICRO DEVICES INC COM Stock 007903107 256 3,350 SH   SOLE   3,350 0 0
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506 1,800 25,178 SH   SOLE   25,177 0 0
ISHARES U.S. CONSUMER STAPLES ETF ETF 464287812 399 2,047 SH   SOLE   2,047 0 0
ISHARES BIOTECHNOLOGY ETF ETF 464287556 1,367 11,622 SH   SOLE   11,622 0 0
ISHARES U.S. TELECOMMUNICATIONS ETF ETF 464287713 435 17,329 SH   SOLE   17,329 0 0
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887 1,656 15,727 SH   SOLE   15,727 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407 748 5,438 SH   SOLE   5,438 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704 308 3,523 SH   SOLE   3,522 0 0
ISHARES US FINANCIAL SERVICES ETF ETF 464287770 1,970 13,294 SH   SOLE   13,294 0 0
ISHARES U.S. BASIC MATERIALS ETF ETF 464287838 319 2,709 SH   SOLE   2,708 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408 1,399 10,175 SH   SOLE   10,175 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 3,395 56,253 SH   SOLE   56,252 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 10,887 28,713 SH   SOLE   28,713 0 0
CIGNA CORP NEW COM Stock 125523100 348 1,321 SH   SOLE   1,321 0 0
WELLS FARGO CO NEW COM Stock 949746101 260 6,627 SH   SOLE   6,627 0 0
UNION PAC CORP COM Stock 907818108 359 1,685 SH   SOLE   1,685 0 0
NORTHROP GRUMMAN CORP COM Stock 666807102 299 625 SH   SOLE   624 0 0
JPMORGAN CHASE & CO COM Stock 46625H100 396 3,517 SH   SOLE   3,517 0 0
CHEVRON CORP NEW COM Stock 166764100 290 2,003 SH   SOLE   2,002 0 0
CONOCOPHILLIPS COM Stock 20825C104 425 4,737 SH   SOLE   4,736 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 23,924 586,372 SH   SOLE   586,372 0 0
CINCINNATI FINL CORP COM Stock 172062101 630 5,292 SH   SOLE   5,292 0 0
ORACLE CORP COM Stock 68389X105 233 3,329 SH   SOLE   3,329 0 0
RAYTHEON TECHNOLOGIES CORP COM Stock 75513E101 319 3,321 SH   SOLE   3,321 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 3,216 77,223 SH   SOLE   77,222 0 0
TEXAS INSTRS INC COM Stock 882508104 357 2,323 SH   SOLE   2,322 0 0
PFIZER INC COM Stock 717081103 971 18,514 SH   SOLE   18,514 0 0
3M CO COM Stock 88579Y101 415 3,210 SH   SOLE   3,210 0 0
ALPHABET INC CAP STK CL C Stock 02079K107 377 172 SH   SOLE   172 0 0
AMGEN INC COM Stock 031162100 303 1,244 SH   SOLE   1,244 0 0
APPLIED MATLS INC COM Stock 038222105 203 2,229 SH   SOLE   2,228 0 0
ISHARES CORE S&P U.S. GROWTH ETF ETF 464287671 1,137 13,588 SH   SOLE   13,588 0 0
ISHARES MSCI EAFE SMALL-CAP ETF ETF 464288273 1,138 20,854 SH   SOLE   20,854 0 0
ABRDN ASIA PACIFIC INCOME FUND COM CEF 003009107 1,283 439,474 SH   SOLE   439,473 0 0
ISHARES 7-10 YEAR TREASURY BOND ETF ETF 464287440 2,497 24,408 SH   SOLE   24,407 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 6,233 61,297 SH   SOLE   61,297 0 0
ISHARES 20 YEAR TREASURY BOND ETF ETF 464287432 1,028 8,952 SH   SOLE   8,951 0 0
ISHARES EXPANDED TECH SECTOR ETF ETF 464287549 842 2,861 SH   SOLE   2,860 0 0
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879 6,017 67,585 SH   SOLE   67,585 0 0
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606 930 14,597 SH   SOLE   14,596 0 0
ISHARES S&P MID-CAP 400 VALUE ETF ETF 464287705 2,001 21,199 SH   SOLE   21,199 0 0
LAM RESEARCH CORP COM Stock 512807108 492 1,155 SH   SOLE   1,154 0 0
ISHARES INTERNATIONAL DEVELOPED REAL ESTATE ETF ETF 464288489 1,919 85,515 SH   SOLE   85,514 0 0
PNC FINL SVCS GROUP INC COM Stock 693475105 277 1,757 SH   SOLE   1,756 0 0
GRAHAM HLDGS CO COM CL B Stock 384637104 247 435 SH   SOLE   435 0 0
ISHARES JPX-NIKKEI 400 ETF ETF 464287382 477 8,470 SH   SOLE   8,470 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689 48,847 224,698 SH   SOLE   224,697 0 0
ISHARES GLOBAL ENERGY ETF ETF 464287341 3,911 115,429 SH   SOLE   115,428 0 0
SPDR DOUBLELINE TOTAL RETURN TACTICAL ETF ETF 78467V848 6,199 146,969 SH   SOLE   146,968 0 0
EXXON MOBIL CORP COM Stock 30231G102 803 9,372 SH   SOLE   9,371 0 0
UNITEDHEALTH GROUP INC COM Stock 91324P102 325 632 SH   SOLE   631 0 0
LOWES COS INC COM Stock 548661107 298 1,703 SH   SOLE   1,703 0 0
SPDR FTSE INTERNATIONAL GOVERNMENT INFLATION-PROTECTED BOND ETF ETF 78464A490 4,319 95,469 SH   SOLE   95,468 0 0
ISHARES MSCI AUSTRALIA ETF ETF 464286103 343 16,153 SH   SOLE   16,153 0 0
ISHARES U.S. PHARMACEUTICALS ETF ETF 464288836 750 3,913 SH   SOLE   3,912 0 0
ISHARES U.S. UTILITIES ETF ETF 464287697 1,866 21,801 SH   SOLE   21,800 0 0
CABLE ONE INC COM Stock 12685J105 529 410 SH   SOLE   410 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507 1,357 5,998 SH   SOLE   5,997 0 0
ISHARES MSCI EAFE ETF ETF 464287465 3,530 56,481 SH   SOLE   56,481 0 0
APPLE INC COM Stock 037833100 5,188 37,948 SH   SOLE   37,947 0 0
ABBOTT LABS COM Stock 002824100 367 3,379 SH   SOLE   3,379 0 0
DISNEY WALT CO COM Stock 254687106 264 2,801 SH   SOLE   2,800 0 0
VANGUARD TOTAL WORLD STOCK ETF ETF 922042742 502 5,885 SH   SOLE   5,885 0 0
ISHARES RUSSELL 1000 ETF ETF 464287622 2,518 12,120 SH   SOLE   12,119 0 0