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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   1,249,328 11,379 SH   SOLE   0 0 11,379
ABBVIE INC COM 00287Y109   1,298,375 8,034 SH   SOLE   0 0 8,034
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   498,190 1,867 SH   SOLE   0 0 1,867
AFLAC INC COM 001055102   363,225 5,049 SH   SOLE   0 0 5,049
AGILON HEALTH INC COM 00857U107   340,877 21,120 SH   SOLE   0 0 21,120
AIR PRODS & CHEMS INC COM 009158106   404,129 1,311 SH   SOLE   0 0 1,311
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   590,467 6,703 SH   SOLE   0 0 6,703
ALMADEN MINERALS LTD COM CL B 020283305   7,573 31,000 SH   SOLE   0 0 31,000
ALPHABET INC CAP STK CL A 02079K305   238,574 2,704 SH   SOLE   0 0 2,704
ALPHABET INC CAP STK CL C 02079K107   216,501 2,440 SH   SOLE   0 0 2,440
ALTRIA GROUP INC COM 02209S103   349,362 7,643 SH   SOLE   0 0 7,643
AMAZON COM INC COM 023135106   769,104 9,156 SH   SOLE   0 0 9,156
AMERICAN ELEC PWR CO INC COM 025537101   368,026 3,876 SH   SOLE   0 0 3,876
AMERICAN EXPRESS CO COM 025816109   478,562 3,239 SH   SOLE   0 0 3,239
AMERICAN WTR WKS CO INC NEW COM 030420103   338,372 2,220 SH   SOLE   0 0 2,220
AMERIPRISE FINL INC COM 03076C106   258,528 830 SH   SOLE   0 0 830
AMGEN INC COM 031162100   445,437 1,696 SH   SOLE   0 0 1,696
APPLE INC COM 037833100   3,570,667 27,481 SH   SOLE   0 0 27,481
AT&T INC COM 00206R102   241,502 13,118 SH   SOLE   0 0 13,118
AUTOMATIC DATA PROCESSING IN COM 053015103   318,400 1,333 SH   SOLE   0 0 1,333
BANCO BRADESCO S A SP ADR PFD NEW 059460303   45,714 15,873 SH   SOLE   0 0 15,873
BANK AMERICA CORP COM 060505104   421,514 12,727 SH   SOLE   0 0 12,727
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,512,066 4,895 SH   SOLE   0 0 4,895
BRISTOL-MYERS SQUIBB CO COM 110122108   528,257 7,342 SH   SOLE   0 0 7,342
BROADCOM INC COM 11135F101   346,661 620 SH   SOLE   0 0 620
CATERPILLAR INC COM 149123101   296,815 1,239 SH   SOLE   0 0 1,239
CHEVRON CORP NEW COM 166764100   837,973 4,669 SH   SOLE   0 0 4,669
CHUBB LIMITED COM H1467J104   265,823 1,205 SH   SOLE   0 0 1,205
CIGNA CORP NEW COM 125523100   324,713 980 SH   SOLE   0 0 980
CISCO SYS INC COM 17275R102   642,397 13,484 SH   SOLE   0 0 13,484
COCA COLA CO COM 191216100   819,360 12,881 SH   SOLE   0 0 12,881
COMCAST CORP NEW CL A 20030N101   422,193 12,073 SH   SOLE   0 0 12,073
CONOCOPHILLIPS COM 20825C104   452,406 3,834 SH   SOLE   0 0 3,834
CVS HEALTH CORP COM 126650100   397,347 4,264 SH   SOLE   0 0 4,264
DANAHER CORPORATION COM 235851102   355,220 1,338 SH   SOLE   0 0 1,338
DISNEY WALT CO COM 254687106   254,645 2,931 SH   SOLE   0 0 2,931
DOMINION ENERGY INC COM 25746U109   242,766 3,959 SH   SOLE   0 0 3,959
DUKE ENERGY CORP NEW COM NEW 26441C204   307,940 2,990 SH   SOLE   0 0 2,990
ELEVANCE HEALTH INC COM 036752103   329,327 642 SH   SOLE   0 0 642
EMERSON ELEC CO COM 291011104   563,104 5,862 SH   SOLE   0 0 5,862
EXXON MOBIL CORP COM 30231G102   1,179,217 10,691 SH   SOLE   0 0 10,691
FORD MTR CO DEL COM 345370860   230,809 19,846 SH   SOLE   0 0 19,846
GENERAL DYNAMICS CORP COM 369550108   224,788 906 SH   SOLE   0 0 906
GENERAL MLS INC COM 370334104   400,579 4,777 SH   SOLE   0 0 4,777
GILEAD SCIENCES INC COM 375558103   255,404 2,975 SH   SOLE   0 0 2,975
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   1,832,863 18,382 SH   SOLE   0 0 18,382
HERSHEY CO COM 427866108   251,948 1,088 SH   SOLE   0 0 1,088
HOME DEPOT INC COM 437076102   619,717 1,962 SH   SOLE   0 0 1,962
HONEYWELL INTL INC COM 438516106   491,390 2,293 SH   SOLE   0 0 2,293
HUNTINGTON BANCSHARES INC COM 446150104   268,035 19,010 SH   SOLE   0 0 19,010
ILLINOIS TOOL WKS INC COM 452308109   426,721 1,937 SH   SOLE   0 0 1,937
INFOSYS LTD SPONSORED ADR 456788108   249,330 13,844 SH   SOLE   0 0 13,844
INTEL CORP COM 458140100   296,835 11,231 SH   SOLE   0 0 11,231
INTERNATIONAL BUSINESS MACHS COM 459200101   398,370 2,828 SH   SOLE   0 0 2,828
ISHARES GOLD TR ISHARES NEW 464285204   985,469 28,490 SH   SOLE   0 0 28,490
ISHARES INC CORE MSCI EMKT 46434G103   65,171,443 1,395,534 SH   SOLE   0 0 1,395,534
ISHARES TR JPMORGAN USD EMG 464288281   54,349,427 642,504 SH   SOLE   0 0 642,504
ISHARES TR MSCI EMG MKT ETF 464287234   80,738 29,400 SH Put SOLE   0 0 29,400
ISHARES TR SELECT DIVID ETF 464287168   205,623 1,705 SH   SOLE   0 0 1,705
ISHARES TR NATIONAL MUN ETF 464288414   385,359 3,652 SH   SOLE   0 0 3,652
ISHARES TR RUS 1000 VAL ETF 464287598   441,453 2,911 SH   SOLE   0 0 2,911
ISHARES TR CORE S&P TTL STK 464287150   1,427,608 16,835 SH   SOLE   0 0 16,835
ISHARES TR CORE US AGGBD ET 464287226   34,738,908 358,170 SH   SOLE   0 0 358,170
ISHARES TR CORE S&P500 ETF 464287200   818,329 2,130 SH   SOLE   0 0 2,130
ISHARES TR RUS 1000 ETF 464287622   7,225,046 34,320 SH   SOLE   0 0 34,320
ISHARES TR CORE S&P MCP ETF 464287507   610,943 2,526 SH   SOLE   0 0 2,526
ISHARES TR S&P MC 400VL ETF 464287705   2,775,572 27,535 SH   SOLE   0 0 27,535
ITAU UNIBANCO HLDG S A SPON ADR REP PFD 465562106   72,021 15,291 SH   SOLE   0 0 15,291
JD.COM INC SPON ADR CL A 47215P106   208,018 3,706 SH   SOLE   0 0 3,706
JOHNSON & JOHNSON COM 478160104   934,401 5,290 SH   SOLE   0 0 5,290
JPMORGAN CHASE & CO COM 46625H100   886,535 6,611 SH   SOLE   0 0 6,611
KIMBERLY-CLARK CORP COM 494368103   612,911 4,515 SH   SOLE   0 0 4,515
LANCASTER COLONY CORP COM 513847103   2,725,700 13,815 SH   SOLE   0 0 13,815
LEGG MASON ETF INVT TR CLEARBRIDGE DI 524682309   242,493 6,211 SH   SOLE   0 0 6,211
LILLY ELI & CO COM 532457108   1,134,447 3,101 SH   SOLE   0 0 3,101
LOCKHEED MARTIN CORP COM 539830109   255,894 526 SH   SOLE   0 0 526
LOWES COS INC COM 548661107   357,540 1,795 SH   SOLE   0 0 1,795
MARATHON PETE CORP COM 56585A102   259,096 2,226 SH   SOLE   0 0 2,226
MASTERCARD INCORPORATED CL A 57636Q104   1,001,290 2,880 SH   SOLE   0 0 2,880
MCDONALDS CORP COM 580135101   601,903 2,284 SH   SOLE   0 0 2,284
MERCK & CO INC COM 58933Y105   1,087,060 9,798 SH   SOLE   0 0 9,798
META PLATFORMS INC CL A 30303M102   327,686 2,723 SH   SOLE   0 0 2,723
METLIFE INC COM 59156R108   239,617 3,311 SH   SOLE   0 0 3,311
MICROCHIP TECHNOLOGY INC. COM 595017104   238,850 3,400 SH   SOLE   0 0 3,400
MICROSOFT CORP COM 594918104   3,170,271 13,219 SH   SOLE   0 0 13,219
MONDELEZ INTL INC CL A 609207105   387,903 5,820 SH   SOLE   0 0 5,820
MORGAN STANLEY COM NEW 617446448   439,430 5,169 SH   SOLE   0 0 5,169
NEXTERA ENERGY INC COM 65339F101   763,770 9,136 SH   SOLE   0 0 9,136
NORFOLK SOUTHN CORP COM 655844108   259,576 1,053 SH   SOLE   0 0 1,053
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   633,164 18,492 SH   SOLE   0 0 18,492
NVIDIA CORPORATION COM 67066G104   311,615 2,132 SH   SOLE   0 0 2,132
ORACLE CORP COM 68389X105   473,847 5,797 SH   SOLE   0 0 5,797
PACCAR INC COM 693718108   300,275 3,034 SH   SOLE   0 0 3,034
PARKER-HANNIFIN CORP COM 701094104   527,874 1,814 SH   SOLE   0 0 1,814
PEPSICO INC COM 713448108   807,550 4,470 SH   SOLE   0 0 4,470
PFIZER INC COM 717081103   593,644 11,586 SH   SOLE   0 0 11,586
PHILIP MORRIS INTL INC COM 718172109   352,413 3,482 SH   SOLE   0 0 3,482
PHILLIPS 66 COM 718546104   223,148 2,144 SH   SOLE   0 0 2,144
PROCTER AND GAMBLE CO COM 742718109   728,852 4,809 SH   SOLE   0 0 4,809
PROLOGIS INC. COM 74340W103   353,747 3,138 SH   SOLE   0 0 3,138
PRUDENTIAL FINL INC COM 744320102   227,551 2,288 SH   SOLE   0 0 2,288
QUALCOMM INC COM 747525103   244,836 2,227 SH   SOLE   0 0 2,227
RAYTHEON TECHNOLOGIES CORP COM 75513E101   534,295 5,294 SH   SOLE   0 0 5,294
RPM INTL INC COM 749685103   438,428 4,499 SH   SOLE   0 0 4,499
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   76,811,587 1,592,280 SH   SOLE   0 0 1,592,280
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,495,333 28,873 SH   SOLE   0 0 28,873
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   45,073,723 1,904,255 SH   SOLE   0 0 1,904,255
SELECT SECTOR SPDR TR ENERGY 81369Y506   219,189,608 2,505,883 SH   SOLE   0 0 2,505,883
SELECT SECTOR SPDR TR ENERGY 81369Y506   32,901 17,300 SH Put SOLE   0 0 17,300
SHELL PLC SPON ADS 780259305   218,916 3,844 SH   SOLE   0 0 3,844
SIRIUS XM HOLDINGS INC COM 82968B103   73,718 12,623 SH   SOLE   0 0 12,623
SOUTHERN CO COM 842587107   273,429 3,829 SH   SOLE   0 0 3,829
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   60,267,030 1,828,490 SH   SOLE   0 0 1,828,490
SPDR SER TR PRTFLO S&P500 VL 78464A508   389,299,538 10,010,274 SH   SOLE   0 0 10,010,274
SPDR SER TR PORTFOLIO SHORT 78464A474   4,894,532 166,594 SH   SOLE   0 0 166,594
SPDR SER TR PRTFLO S&P500 VL 78464A508   208,454 89,500 SH Put SOLE   0 0 89,500
SPDR SER TR S&P 600 SMCP VAL 78464A300   2,720,367 36,653 SH   SOLE   0 0 36,653
STRYKER CORPORATION COM 863667101   233,348 954 SH   SOLE   0 0 954
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   899,020 12,069 SH   SOLE   0 0 12,069
TESLA INC COM 88160R101   200,660 1,629 SH   SOLE   0 0 1,629
TEXAS INSTRS INC COM 882508104   389,687 2,359 SH   SOLE   0 0 2,359
THERATECHNOLOGIES INC COM 88338H100   155,630 176,291 SH   SOLE   0 0 176,291
TJX COS INC NEW COM 872540109   257,108 3,230 SH   SOLE   0 0 3,230
TRUIST FINL CORP COM 89832Q109   213,558 4,963 SH   SOLE   0 0 4,963
UNILEVER PLC SPON ADR NEW 904767704   227,330 4,515 SH   SOLE   0 0 4,515
UNION PAC CORP COM 907818108   265,342 1,281 SH   SOLE   0 0 1,281
UNITED PARCEL SERVICE INC CL B 911312106   253,633 1,459 SH   SOLE   0 0 1,459
UNITEDHEALTH GROUP INC COM 91324P102   349,389 659 SH   SOLE   0 0 659
US BANCORP DEL COM NEW 902973304   296,853 6,807 SH   SOLE   0 0 6,807
VANECK ETF TRUST IG FLOATING RATE 92189F486   966,397 38,842 SH   SOLE   0 0 38,842
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   6,469,259 46,189 SH   SOLE   0 0 46,189
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   354,336 1,009 SH   SOLE   0 0 1,009
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   83,645,349 1,112,453 SH   SOLE   0 0 1,112,453
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   4,414,621 96,982 SH   SOLE   0 0 96,982
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   35,897,280 588,673 SH   SOLE   0 0 588,673
VERIZON COMMUNICATIONS INC COM 92343V104   405,174 10,284 SH   SOLE   0 0 10,284
VISA INC COM CL A 92826C839   520,023 2,503 SH   SOLE   0 0 2,503
WALMART INC COM 931142103   297,192 2,096 SH   SOLE   0 0 2,096
WASTE MGMT INC DEL COM 94106L109   523,038 3,334 SH   SOLE   0 0 3,334
WEC ENERGY GROUP INC COM 92939U106   219,117 2,337 SH   SOLE   0 0 2,337
WELLS FARGO CO NEW COM 949746101   210,042 5,087 SH   SOLE   0 0 5,087
WIPRO LTD SPON ADR 1 SH 97651M109   62,999 13,519 SH   SOLE   0 0 13,519
WISDOMTREE TR JAPN HEDGE EQT 97717W851   1,655,618 25,752 SH   SOLE   0 0 25,752
WISDOMTREE TR US QTLY DIV GRT 97717X669   385,514,670 6,386,923 SH   SOLE   0 0 6,386,923
XCEL ENERGY INC COM 98389B100   214,957 3,066 SH   SOLE   0 0 3,066