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
ABBOTT LABS COM 002824100 677 7,000 SH   SOLE   7,000 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 205 795 SH   SOLE   795 0 0
ADVANCED MICRO DEVICES INC COM 007903107 437 6,903 SH   SOLE   6,903 0 0
ALPHABET INC CAP STK CL C 02079K107 1,452 15,100 SH   SOLE   15,100 0 0
ALPHABET INC CAP STK CL A 02079K305 884 9,240 SH   SOLE   9,240 0 0
AMAZON COM INC COM 023135106 4,068 36,004 SH   SOLE   36,004 0 0
APPLE INC COM 037833100 6,386 46,208 SH   SOLE   46,208 0 0
AT&T INC COM 00206R102 530 34,543 SH   SOLE   34,543 0 0
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 881 26,758 SH   SOLE   26,758 0 0
BECTON DICKINSON & CO COM 075887109 624 2,800 SH   SOLE   2,800 0 0
BECTON DICKINSON & CO 6% DP CONV PFD B 075887406 24 500 SH   SOLE   500 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,219 3 SH   SOLE   3 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 964 3,611 SH   SOLE   3,611 0 0
BK OF AMERICA CORP COM 060505104 302 10,001 SH   SOLE   10,001 0 0
CATERPILLAR INC COM 149123101 366 2,231 SH   SOLE   2,231 0 0
CISCO SYS INC COM 17275R102 5,207 130,165 SH   SOLE   130,165 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,429 3,025 SH   SOLE   3,025 0 0
CURIS INC COM NEW 231269200 20 28,387 SH   SOLE   28,387 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 316 14,648 SH   SOLE   14,648 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 4,827 240,253 SH   SOLE   240,253 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 39,885 1,027,424 SH   SOLE   1,027,424 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 309 6,644 SH   SOLE   6,644 0 0
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 211 11,429 SH   SOLE   11,429 0 0
DISNEY WALT CO COM 254687106 729 7,726 SH   SOLE   7,726 0 0
ECOLAB INC COM 278865100 507 3,500 SH   SOLE   3,500 0 0
ESSENTIAL UTILS INC COM 29670G102 771 18,635 SH   SOLE   18,635 0 0
EVERSOURCE ENERGY COM 30040W108 690 8,854 SH   SOLE   8,854 0 0
EXPEDITORS INTL WASH INC COM 302130109 353 4,000 SH   SOLE   4,000 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 11,779 313,355 SH   SOLE   313,355 0 0
HERSHEY CO COM 427866108 735 3,334 SH   SOLE   3,334 0 0
HUNTINGTON BANCSHARES INC COM 446150104 199 14,950 SH   SOLE   14,950 0 0
INTEL CORP COM 458140100 577 22,400 SH   SOLE   22,400 0 0
ISHARES TR TIPS BD ETF 464287176 318 3,030 SH   SOLE   3,030 0 0
ISHARES TR CORE S&P500 ETF 464287200 3,874 10,802 SH   SOLE   10,802 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,748 50,125 SH   SOLE   50,125 0 0
ISHARES TR S&P 500 VAL ETF 464287408 32 247 SH   SOLE   247 0 0
ISHARES TR MSCI EAFE ETF 464287465 66 1,185 SH   SOLE   1,185 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,478 6,741 SH   SOLE   6,741 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 881 4,185 SH   SOLE   4,185 0 0
ISHARES TR CORE S&P SCP ETF 464287804 18,326 210,189 SH   SOLE   210,189 0 0
ISHARES TR EAFE GRWTH ETF 464288885 350 4,828 SH   SOLE   4,828 0 0
ISHARES TR CORE MSCI EAFE 46432F842 30,611 581,181 SH   SOLE   581,181 0 0
JOHNSON & JOHNSON COM 478160104 754 4,615 SH   SOLE   4,615 0 0
LINCOLN NATL CORP IND COM 534187109 257 5,843 SH   SOLE   5,843 0 0
MANULIFE FINL CORP COM 56501R106 451 28,804 SH   SOLE   28,804 0 0
MICROSOFT CORP COM 594918104 5,924 25,435 SH   SOLE   25,435 0 0
MOLSON COORS BEVERAGE CO CL B 60871R209 576 12,010 SH   SOLE   12,010 0 0
NIKE INC CL B 654106103 380 4,551 SH   SOLE   4,551 0 0
NOVO-NORDISK A S ADR 670100205 502 5,034 SH   SOLE   5,034 0 0
OPKO HEALTH INC COM 68375N103 28 14,729 SH   SOLE   14,729 0 0
PEPSICO INC COM 713448108 710 4,350 SH   SOLE   4,350 0 0
SCHWAB CHARLES CORP COM 808513105 424 5,900 SH   SOLE   5,900 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 830 29,926 SH   SOLE   29,926 0 0
SOUTHWESTERN ENERGY CO COM 845467109 92 15,000 SH   SOLE   15,000 0 0
SPDR GOLD TR GOLD SHS 78463V107 210 1,360 SH   SOLE   1,360 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,536 9,854 SH   SOLE   9,854 0 0
STARBUCKS CORP COM 855244109 640 7,601 SH   SOLE   7,601 0 0
TESLA INC COM 88160R101 4,862 18,330 SH   SOLE   18,330 0 0
UNDER ARMOUR INC CL A 904311107 0 5 SH   SOLE   5 0 0
UNDER ARMOUR INC CL C 904311206 122 20,504 SH   SOLE   20,504 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 855 11,985 SH   SOLE   11,985 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 5,801 118,515 SH   SOLE   118,515 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,831 5,553 SH   SOLE   5,553 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 279 3,481 SH   SOLE   3,481 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 46 283 SH   SOLE   283 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,545 20,740 SH   SOLE   20,740 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,983 32,139 SH   SOLE   32,139 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,618 181,375 SH   SOLE   181,375 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 26,745 555,922 SH   SOLE   555,922 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 6,821 141,684 SH   SOLE   141,684 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 410 6,130 SH   SOLE   6,130 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 4,614 34,137 SH   SOLE   34,137 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,327 36,494 SH   SOLE   36,494 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,146 12,075 SH   SOLE   12,075 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 1,134 5,050 SH   SOLE   5,050 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 106 740 SH   SOLE   740 0 0
WALMART INC COM 931142103 272 2,100 SH   SOLE   2,100 0 0
WARNER BROS DISCOVERY INC COM SER A 934423104 150 13,018 SH   SOLE   13,018 0 0
WELLS FARGO CO NEW COM 949746101 409 10,164 SH   SOLE   10,164 0 0
WP CAREY INC COM 92936U109 354 5,000 SH   SOLE   5,000 0 0