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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   2,000,509 19,756 SH   SOLE   19,756 0 0
ABBVIE INC COM 00287Y109   846,334 5,310 SH   SOLE   5,310 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,549,722 5,422 SH   SOLE   5,422 0 0
ADVANCED MICRO DEVICES INC COM 007903107   1,202,485 12,269 SH   SOLE   12,269 0 0
AFLAC INC COM 001055102   2,450,611 37,982 SH   SOLE   37,982 0 0
AIR PRODS & CHEMS INC COM 009158106   1,496,960 5,212 SH   SOLE   5,212 0 0
ALPHABET INC CAP STK CL C 02079K107   1,400,310 13,465 SH   SOLE   13,464 0 0
ALPHABET INC CAP STK CL A 02079K305   1,521,512 14,668 SH   SOLE   14,668 0 0
ALTRIA GROUP INC COM 02209S103   224,439 5,030 SH   SOLE   5,030 0 0
AMAZON COM INC COM 023135106   917,938 8,887 SH   SOLE   8,887 0 0
AMERICAN ELEC PWR CO INC COM 025537101   388,488 4,270 SH   SOLE   4,269 0 0
AMGEN INC COM 031162100   2,960,651 12,247 SH   SOLE   12,246 0 0
AMPHENOL CORP NEW CL A 032095101   967,092 11,834 SH   SOLE   11,834 0 0
APPLE INC COM 037833100   7,128,728 43,231 SH   SOLE   43,230 0 0
APPLIED MATLS INC COM 038222105   812,607 6,616 SH   SOLE   6,615 0 0
AT&T INC COM 00206R102   267,257 13,883 SH   SOLE   13,883 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   1,197,593 5,379 SH   SOLE   5,379 0 0
BANK AMERICA CORP COM 060505104   240,430 8,407 SH   SOLE   8,406 0 0
BECTON DICKINSON & CO COM 075887109   2,146,761 8,672 SH   SOLE   8,672 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,784,382 5,779 SH   SOLE   5,779 0 0
BHP GROUP LTD SPONSORED ADS 088606108   949,321 14,971 SH   SOLE   14,971 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   1,000,032 14,428 SH   SOLE   14,428 0 0
CANADIAN NATL RY CO COM 136375102   852,117 7,223 SH   SOLE   7,223 0 0
CATERPILLAR INC COM 149123101   238,967 1,044 SH   SOLE   1,044 0 0
CHEVRON CORP NEW COM 166764100   2,690,180 16,488 SH   SOLE   16,487 0 0
CHUBB LIMITED COM H1467J104   500,644 2,578 SH   SOLE   2,578 0 0
CHURCH & DWIGHT CO INC COM 171340102   766,625 8,671 SH   SOLE   8,671 0 0
CISCO SYS INC COM 17275R102   2,742,406 52,461 SH   SOLE   52,461 0 0
COCA COLA CO COM 191216100   1,014,641 16,357 SH   SOLE   16,357 0 0
COLGATE PALMOLIVE CO COM 194162103   1,009,557 13,434 SH   SOLE   13,433 0 0
CONSOLIDATED EDISON INC COM 209115104   248,689 2,599 SH   SOLE   2,599 0 0
COSTCO WHSL CORP NEW COM 22160K105   1,942,423 3,909 SH   SOLE   3,909 0 0
CUMMINS INC COM 231021106   2,037,788 8,531 SH   SOLE   8,530 0 0
CVS HEALTH CORP COM 126650100   3,024,574 40,702 SH   SOLE   40,702 0 0
DANAHER CORPORATION COM 235851102   666,493 2,644 SH   SOLE   2,644 0 0
DEERE & CO COM 244199105   497,401 1,205 SH   SOLE   1,204 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   289,373 6,513 SH   SOLE   6,513 0 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   234,427 7,002 SH   SOLE   7,002 0 0
DISNEY WALT CO COM 254687106   1,654,483 16,523 SH   SOLE   16,523 0 0
DNP SELECT INCOME FD INC COM 23325P104   4,488,871 407,339 SH   SOLE   407,338 0 0
DOLLAR GEN CORP NEW COM 256677105   473,727 2,251 SH   SOLE   2,250 0 0
DOW INC COM 260557103   2,230,060 40,680 SH   SOLE   40,679 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   573,767 5,948 SH   SOLE   5,947 0 0
ELEVANCE HEALTH INC COM 036752103   428,495 932 SH   SOLE   931 0 0
EMERSON ELEC CO COM 291011104   1,086,692 12,471 SH   SOLE   12,470 0 0
EQUIFAX INC COM 294429105   216,767 1,069 SH   SOLE   1,068 0 0
EXXON MOBIL CORP COM 30231G102   1,203,010 10,970 SH   SOLE   10,970 0 0
FASTENAL CO COM 311900104   307,529 5,701 SH   SOLE   5,701 0 0
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865   321,464 7,336 SH   SOLE   7,336 0 0
FIDELITY MERRIMACK STR TR LTD TRM BD ETF 316188200   1,630,591 33,648 SH   SOLE   33,648 0 0
GENERAL DYNAMICS CORP COM 369550108   1,706,928 7,480 SH   SOLE   7,479 0 0
GENERAL MLS INC COM 370334104   1,672,709 19,573 SH   SOLE   19,573 0 0
GENUINE PARTS CO COM 372460105   1,472,704 8,802 SH   SOLE   8,802 0 0
GRAINGER W W INC COM 384802104   657,526 955 SH   SOLE   954 0 0
HANESBRANDS INC COM 410345102   93,628 17,800 SH   SOLE   17,800 0 0
HARTFORD FINL SVCS GROUP INC COM 416515104   252,790 3,627 SH   SOLE   3,627 0 0
HAWAIIAN ELEC INDUSTRIES COM 419870100   215,040 5,600 SH   SOLE   5,600 0 0
HDFC BANK LTD SPONSORED ADS 40415F101   943,180 14,147 SH   SOLE   14,147 0 0
HOME DEPOT INC COM 437076102   3,438,861 11,652 SH   SOLE   11,652 0 0
HONEYWELL INTL INC COM 438516106   1,115,684 5,838 SH   SOLE   5,837 0 0
HUMANA INC COM 444859102   233,021 480 SH   SOLE   480 0 0
ILLINOIS TOOL WKS INC COM 452308109   1,007,530 4,139 SH   SOLE   4,138 0 0
ILLUMINA INC COM 452327109   236,038 1,015 SH   SOLE   1,015 0 0
INTEL CORP COM 458140100   1,474,503 45,133 SH   SOLE   45,133 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   1,784,538 13,613 SH   SOLE   13,613 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   2,700,016 8,413 SH   SOLE   8,413 0 0
ISHARES GOLD TR ISHARES NEW 464285204   429,269 11,487 SH   SOLE   11,487 0 0
ISHARES SILVER TR ISHARES 46428Q109   204,168 9,230 SH   SOLE   9,230 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   413,866 8,225 SH   SOLE   8,224 0 0
JOHNSON & JOHNSON COM 478160104   5,640,371 36,389 SH   SOLE   36,389 0 0
JPMORGAN CHASE & CO COM 46625H100   2,149,274 16,494 SH   SOLE   16,493 0 0
KIMBERLY-CLARK CORP COM 494368103   1,577,437 11,753 SH   SOLE   11,752 0 0
LILLY ELI & CO COM 532457108   227,602 663 SH   SOLE   662 0 0
LOCKHEED MARTIN CORP COM 539830109   2,761,004 5,841 SH   SOLE   5,840 0 0
M & T BK CORP COM 55261F104   551,542 4,613 SH   SOLE   4,612 0 0
MANULIFE FINL CORP COM 56501R106   294,678 16,050 SH   SOLE   16,050 0 0
MASTERCARD INCORPORATED CL A 57636Q104   275,828 759 SH   SOLE   759 0 0
MCCORMICK & CO INC COM NON VTG 579780206   1,318,153 15,841 SH   SOLE   15,841 0 0
MCDONALDS CORP COM 580135101   2,276,180 8,141 SH   SOLE   8,140 0 0
MEDTRONIC PLC SHS G5960L103   741,028 9,192 SH   SOLE   9,191 0 0
MERCK & CO INC COM 58933Y105   3,804,316 35,758 SH   SOLE   35,758 0 0
META PLATFORMS INC CL A 30303M102   843,309 3,979 SH   SOLE   3,979 0 0
MICROSOFT CORP COM 594918104   3,977,264 13,796 SH   SOLE   13,795 0 0
MOODYS CORP COM 615369105   241,144 788 SH   SOLE   788 0 0
NATIONAL GRID PLC SPONSORED ADR NE 636274409   410,660 6,040 SH   SOLE   6,040 0 0
NEXTERA ENERGY INC COM 65339F101   857,294 11,122 SH   SOLE   11,122 0 0
NIKE INC CL B 654106103   244,445 1,993 SH   SOLE   1,993 0 0
NOVO-NORDISK A S ADR 670100205   1,174,887 7,383 SH   SOLE   7,382 0 0
NVIDIA CORPORATION COM 67066G104   1,900,635 6,842 SH   SOLE   6,842 0 0
OMNICOM GROUP INC COM 681919106   829,663 8,794 SH   SOLE   8,794 0 0
ORACLE CORP COM 68389X105   1,544,353 16,620 SH   SOLE   16,620 0 0
OREILLY AUTOMOTIVE INC COM 67103H107   2,271,022 2,675 SH   SOLE   2,675 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108   137,862 16,315 SH   SOLE   16,315 0 0
PAYCHEX INC COM 704326107   811,183 7,079 SH   SOLE   7,079 0 0
PEPSICO INC COM 713448108   3,148,864 17,273 SH   SOLE   17,272 0 0
PFIZER INC COM 717081103   2,127,853 52,153 SH   SOLE   52,153 0 0
PHILIP MORRIS INTL INC COM 718172109   615,473 6,329 SH   SOLE   6,328 0 0
PIMCO CORPORATE & INCOME OPP COM 72201B101   266,135 21,342 SH   SOLE   21,342 0 0
PROCTER AND GAMBLE CO COM 742718109   2,352,929 15,824 SH   SOLE   15,824 0 0
PRUDENTIAL FINL INC COM 744320102   642,150 7,761 SH   SOLE   7,761 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   2,610,800 26,660 SH   SOLE   26,659 0 0
ROLLINS INC COM 775711104   1,154,012 30,749 SH   SOLE   30,749 0 0
ROPER TECHNOLOGIES INC COM 776696106   845,974 1,920 SH   SOLE   1,919 0 0
ROSS STORES INC COM 778296103   405,717 3,823 SH   SOLE   3,822 0 0
ROYAL BK CDA SUSTAINABL COM 780087102   404,495 4,232 SH   SOLE   4,232 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   4,979,420 143,087 SH   SOLE   143,086 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,222,476 26,060 SH   SOLE   26,060 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   247,422 4,615 SH   SOLE   4,615 0 0
SMUCKER J M CO COM NEW 832696405   681,373 4,330 SH   SOLE   4,329 0 0
SNAP ON INC COM 833034101   1,818,180 7,364 SH   SOLE   7,364 0 0
SOUTHERN CO COM 842587107   974,544 14,006 SH   SOLE   14,006 0 0
SPDR GOLD TR GOLD SHS 78463V107   1,162,714 6,346 SH   SOLE   6,346 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   5,494,298 13,421 SH   SOLE   13,420 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   584,473 1,275 SH   SOLE   1,275 0 0
STANLEY BLACK & DECKER INC COM 854502101   363,239 4,508 SH   SOLE   4,507 0 0
STARBUCKS CORP COM 855244109   379,040 3,640 SH   SOLE   3,640 0 0
TC ENERGY CORP COM 87807B107   274,316 7,050 SH   SOLE   7,050 0 0
TEGNA INC COM 87901J105   465,925 27,553 SH   SOLE   27,553 0 0
TESLA INC COM 88160R101   222,812 1,074 SH   SOLE   1,074 0 0
TEXAS INSTRS INC COM 882508104   487,933 2,623 SH   SOLE   2,623 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   649,001 1,126 SH   SOLE   1,126 0 0
TJX COS INC NEW COM 872540109   1,606,961 20,507 SH   SOLE   20,507 0 0
TORONTO DOMINION BK ONT COM NEW 891160509   1,422,351 23,745 SH   SOLE   23,745 0 0
TRACTOR SUPPLY CO COM 892356106   281,739 1,199 SH   SOLE   1,198 0 0
TRAVELERS COMPANIES INC COM 89417E109   1,329,380 7,756 SH   SOLE   7,755 0 0
ULTA BEAUTY INC COM 90384S303   248,280 455 SH   SOLE   455 0 0
UNILEVER PLC SPON ADR NEW 904767704   3,209,196 61,798 SH   SOLE   61,798 0 0
UNION PAC CORP COM 907818108   234,129 1,163 SH   SOLE   1,163 0 0
UNITED PARCEL SERVICE INC CL B 911312106   4,368,547 22,519 SH   SOLE   22,519 0 0
V F CORP COM 918204108   622,665 27,179 SH   SOLE   27,178 0 0
VALERO ENERGY CORP COM 91913Y100   238,018 1,705 SH   SOLE   1,705 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   636,227 8,291 SH   SOLE   8,290 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   396,869 1,882 SH   SOLE   1,881 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   4,132,134 29,919 SH   SOLE   29,919 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   514,420 7,585 SH   SOLE   7,585 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   2,496,068 40,953 SH   SOLE   40,952 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   757,225 9,933 SH   SOLE   9,933 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   607,931 3,947 SH   SOLE   3,947 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,545,427 56,352 SH   SOLE   56,352 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   808,403 4,177 SH   SOLE   4,177 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   1,105,646 28,430 SH   SOLE   28,430 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   10,779,314 214,428 SH   SOLE   214,428 0 0
ZOETIS INC CL A 98978V103   936,895 5,629 SH   SOLE   5,629 0 0
3M CO COM 88579Y101   433,962 4,129 SH   SOLE   4,128 0 0
BP PLC SPONSORED ADR 055622104   278,581 7,343 SH   SOLE   7,342 0 0
DIAGEO PLC SPON ADR NEW 25243Q205   2,052,096 11,326 SH   SOLE   11,326 0 0
GLOBAL X FDS RATE PREFERRED 37954Y376   381,876 16,705 SH   SOLE   16,705 0 0
GLOBAL X FDS US PFD ETF 37954Y657   2,548,381 128,317 SH   SOLE   128,317 0 0
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719   1,254,136 71,624 SH   SOLE   71,624 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   843,200 40,000 SH   SOLE   40,000 0 0
ISHARES INC MSCI AUST ETF 464286103   1,786,143 77,862 SH   SOLE   77,861 0 0
ISHARES INC MSCI EMRG CHN 46434G764   2,087,110 42,309 SH   SOLE   42,309 0 0
ISHARES TR CORE S&P TTL STK 464287150   1,664,553 18,383 SH   SOLE   18,382 0 0
ISHARES TR SELECT DIVID ETF 464287168   492,484 4,203 SH   SOLE   4,202 0 0
ISHARES TR CORE S&P500 ETF 464287200   11,000,129 26,759 SH   SOLE   26,759 0 0
ISHARES TR CORE US AGGBD ET 464287226   1,354,416 13,593 SH   SOLE   13,593 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   956,347 14,969 SH   SOLE   14,968 0 0
ISHARES TR S&P 500 VAL ETF 464287408   1,625,185 10,709 SH   SOLE   10,708 0 0
ISHARES TR MSCI EAFE ETF 464287465   216,692 3,030 SH   SOLE   3,029 0 0
ISHARES TR RUS MID CAP ETF 464287499   208,012 2,975 SH   SOLE   2,975 0 0
ISHARES TR CORE S&P MCP ETF 464287507   2,469,059 9,870 SH   SOLE   9,869 0 0
ISHARES TR GLOBAL 100 ETF 464287572   441,301 6,299 SH   SOLE   6,298 0 0
ISHARES TR S&P MC 400GR ETF 464287606   1,051,054 14,698 SH   SOLE   14,698 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   242,242 991 SH   SOLE   991 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   691,574 3,049 SH   SOLE   3,049 0 0
ISHARES TR CORE S&P SCP ETF 464287804   1,411,070 14,592 SH   SOLE   14,592 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   346,283 6,753 SH   SOLE   6,752 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   2,309,183 45,690 SH   SOLE   45,690 0 0
ISHARES TR PFD AND INCM SEC 464288687   2,895,111 92,733 SH   SOLE   92,732 0 0
ISHARES TR 10+ YR INVST GRD 464289511   1,710,118 32,642 SH   SOLE   32,642 0 0
ISHARES TR MSCI INDIA ETF 46429B598   1,014,898 25,785 SH   SOLE   25,785 0 0
ISHARES TR MSCI INDIA SM CP 46429B614   376,490 7,569 SH   SOLE   7,569 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   5,423,784 107,636 SH   SOLE   107,636 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   257,355 3,538 SH   SOLE   3,538 0 0
ISHARES TR CORE MSCI EAFE 46432F842   531,958 7,957 SH   SOLE   7,957 0 0
ISHARES TR CORE DIV GRWTH 46434V621   899,883 18,001 SH   SOLE   18,001 0 0
ISHARES TR TRS FLT RT BD 46434V860   2,210,125 43,687 SH   SOLE   43,687 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   1,996,672 22,075 SH   SOLE   22,074 0 0
NOVARTIS AG SPONSORED ADR 66987V109   402,276 4,373 SH   SOLE   4,372 0 0
PIMCO ETF TR BROAD US TIPS 72201R403   304,110 5,450 SH   SOLE   5,450 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   293,122 6,060 SH   SOLE   6,060 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,331,532 35,776 SH   SOLE   35,776 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   715,812 10,915 SH   SOLE   10,915 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   232,051 5,534 SH   SOLE   5,534 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   323,951 13,212 SH   SOLE   13,211 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   1,829,559 37,591 SH   SOLE   37,591 0 0
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   395,567 15,374 SH   SOLE   15,373 0 0
SPDR SER TR ICE PFD SEC ETF 78464A292   314,391 9,258 SH   SOLE   9,257 0 0
SPDR SER TR S&P 400 MDCP GRW 78464A821   531,368 7,764 SH   SOLE   7,764 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847   526,706 11,987 SH   SOLE   11,986 0 0
SPDR SER TR BLOOMBERG INVT 78468R200   652,358 21,438 SH   SOLE   21,438 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,031,569 2,743 SH   SOLE   2,743 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   337,789 4,068 SH   SOLE   4,067 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,593,643 7,364 SH   SOLE   7,364 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   292,190 1,171 SH   SOLE   1,171 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   241,104 1,272 SH   SOLE   1,271 0 0
VISA INC COM CL A 92826C839   254,693 1,130 SH   SOLE   1,129 0 0
WISDOMTREE TR INDIA ERNGS FD 97717W422   1,826,828 57,921 SH   SOLE   57,921 0 0
WISDOMTREE TR US MIDCAP DIVID 97717W505   1,511,998 36,896 SH   SOLE   36,896 0 0