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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   708,820 7,000 SH   SOLE   7,000 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   227,219 795 SH   SOLE   795 0 0
ADVANCED MICRO DEVICES INC COM 007903107   677,837 6,916 SH   SOLE   6,916 0 0
ALPHABET INC CAP STK CL C 02079K107   1,466,400 14,100 SH   SOLE   14,100 0 0
ALPHABET INC CAP STK CL A 02079K305   983,360 9,480 SH   SOLE   9,480 0 0
AMAZON COM INC COM 023135106   3,615,563 35,004 SH   SOLE   35,004 0 0
APPLE INC COM 037833100   6,933,385 42,046 SH   SOLE   42,046 0 0
AT&T INC COM 00206R102   241,299 12,535 SH   SOLE   12,535 0 0
BANK AMERICA CORP COM 060505104   286,037 10,001 SH   SOLE   10,001 0 0
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778   749,346 23,721 SH   SOLE   23,721 0 0
BECTON DICKINSON & CO COM 075887109   693,112 2,800 SH   SOLE   2,800 0 0
BECTON DICKINSON & CO 6% DP CONV PFD B 075887406   24,860 500 SH   SOLE   500 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   1,396,800 3 SH   SOLE   3 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   967,068 3,132 SH   SOLE   3,132 0 0
CATERPILLAR INC COM 149123101   451,044 1,971 SH   SOLE   1,971 0 0
CHEVRON CORP NEW COM 166764100   326,320 2,000 SH   SOLE   2,000 0 0
CISCO SYS INC COM 17275R102   6,804,375 130,165 SH   SOLE   130,165 0 0
CORTEVA INC COM 22052L104   301,550 5,000 SH   SOLE   5,000 0 0
COSTCO WHSL CORP NEW COM 22160K105   1,440,923 2,900 SH   SOLE   2,900 0 0
CURIS INC COM NEW 231269200   16,919 28,387 SH   SOLE   28,387 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   487,076 16,930 SH   SOLE   16,930 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   840,921 31,203 SH   SOLE   31,203 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   8,623,729 374,619 SH   SOLE   374,619 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   45,056,907 1,014,110 SH   SOLE   1,014,110 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   414,380 7,863 SH   SOLE   7,863 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   98,960 4,195 SH   SOLE   4,195 0 0
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   111,470 4,610 SH   SOLE   4,610 0 0
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   277,926 12,089 SH   SOLE   12,089 0 0
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   105,886 4,400 SH   SOLE   4,400 0 0
DISNEY WALT CO COM 254687106   773,604 7,726 SH   SOLE   7,726 0 0
DOW INC COM 260557103   219,280 4,000 SH   SOLE   4,000 0 0
DUPONT DE NEMOURS INC COM 26614N102   249,401 3,475 SH   SOLE   3,475 0 0
ECOLAB INC COM 278865100   581,210 3,500 SH   SOLE   3,500 0 0
ESSENTIAL UTILS INC COM 29670G102   817,783 18,735 SH   SOLE   18,735 0 0
EVERSOURCE ENERGY COM 30040W108   700,740 8,954 SH   SOLE   8,954 0 0
EXPEDITORS INTL WASH INC COM 302130109   440,480 4,000 SH   SOLE   4,000 0 0
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402   1,122 50 SH   SOLE   50 0 0
FIDELITY COVINGTON TRUST QLTY FCTOR ETF 316092790   206,485 4,352 SH   SOLE   4,352 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   13,100,046 309,767 SH   SOLE   309,767 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   739,269 2,260 SH   SOLE   2,260 0 0
HERSHEY CO COM 427866108   711,076 2,795 SH   SOLE   2,795 0 0
HUNTINGTON BANCSHARES INC COM 446150104   169,757 14,950 SH   SOLE   14,950 0 0
INGLES MKTS INC CL A 457030104   443,500 5,000 SH   SOLE   5,000 0 0
INTEL CORP COM 458140100   731,906 22,403 SH   SOLE   22,403 0 0
ISHARES TR TIPS BD ETF 464287176   352,249 3,195 SH   SOLE   3,195 0 0
ISHARES TR CORE S&P500 ETF 464287200   4,072,981 9,908 SH   SOLE   9,908 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   1,348,822 34,182 SH   SOLE   34,182 0 0
ISHARES TR S&P 500 VAL ETF 464287408   30,048 198 SH   SOLE   198 0 0
ISHARES TR MSCI EAFE ETF 464287465   100,128 1,400 SH   SOLE   1,400 0 0
ISHARES TR CORE S&P MCP ETF 464287507   1,725,103 6,896 SH   SOLE   6,896 0 0
ISHARES TR ISHARES BIOTECH 464287556   64,580 500 SH   SOLE   500 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   1,022,521 4,185 SH   SOLE   4,185 0 0
ISHARES TR CORE S&P SCP ETF 464287804   22,926,023 237,084 SH   SOLE   237,084 0 0
ISHARES TR US HOME CONS ETF 464288752   70,290 1,000 SH   SOLE   1,000 0 0
ISHARES TR EAFE GRWTH ETF 464288885   452,287 4,828 SH   SOLE   4,828 0 0
ISHARES TR CORE MSCI EAFE 46432F842   38,029,932 568,885 SH   SOLE   568,885 0 0
JOHNSON & JOHNSON COM 478160104   712,225 4,595 SH   SOLE   4,595 0 0
MANULIFE FINL CORP COM 56501R106   413,265 22,509 SH   SOLE   22,509 0 0
MCDONALDS CORP COM 580135101   230,678 825 SH   SOLE   825 0 0
MICROSOFT CORP COM 594918104   7,354,533 25,510 SH   SOLE   25,510 0 0
MOLSON COORS BEVERAGE CO CL B 60871R209   620,677 12,010 SH   SOLE   12,010 0 0
NIKE INC CL B 654106103   559,682 4,551 SH   SOLE   4,551 0 0
NOVO-NORDISK A S ADR 670100205   599,951 3,750 SH   SOLE   3,750 0 0
OPKO HEALTH INC COM 68375N103   21,504 14,729 SH   SOLE   14,729 0 0
PEPSICO INC COM 713448108   793,005 4,350 SH   SOLE   4,350 0 0
PRICE T ROWE GROUP INC COM 74144T108   1,451,555 12,857 SH   SOLE   12,857 0 0
SCHWAB CHARLES CORP COM 808513105   309,042 5,900 SH   SOLE   5,900 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   1,088,697 32,296 SH   SOLE   32,296 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   248,490 3,000 SH   SOLE   3,000 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   128,600 4,000 SH   SOLE   4,000 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   906,060 6,000 SH   SOLE   6,000 0 0
SOUTHWESTERN ENERGY CO COM 845467109   150,000 30,000 SH   SOLE   30,000 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,118,109 10,022 SH   SOLE   10,022 0 0
STARBUCKS CORP COM 855244109   791,909 7,605 SH   SOLE   7,605 0 0
TESLA INC COM 88160R101   4,412,674 21,270 SH   SOLE   21,270 0 0
UNDER ARMOUR INC CL A 904311107   57 6 SH   SOLE   6 0 0
UNDER ARMOUR INC CL C 904311206   186,841 21,904 SH   SOLE   21,904 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,017,451 13,781 SH   SOLE   13,781 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   13,912,811 282,551 SH   SOLE   282,551 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   226,770 603 SH   SOLE   603 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   330,582 3,981 SH   SOLE   3,981 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   55,296 296 SH   SOLE   296 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,444,684 18,172 SH   SOLE   18,172 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,878,074 26,346 SH   SOLE   26,346 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   18,462,420 456,991 SH   SOLE   456,991 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   7,596,062 149,942 SH   SOLE   149,942 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   4,900,063 31,817 SH   SOLE   31,817 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,588,855 35,175 SH   SOLE   35,175 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,802,679 17,087 SH   SOLE   17,087 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   2,664,552 11,174 SH   SOLE   11,174 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876   109,165 740 SH   SOLE   740 0 0
VISA INC COM CL A 92826C839   1,465,490 6,500 SH   SOLE   6,500 0 0
WALMART INC COM 931142103   310,842 2,100 SH   SOLE   2,100 0 0
WELLS FARGO CO NEW COM 949746101   379,407 10,150 SH   SOLE   10,150 0 0
WP CAREY INC COM 92936U109   392,585 5,000 SH   SOLE   5,000 0 0