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
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   300,995 3,978 SH   SOLE   3,978 0 0
ISHARES TR TRS FLT RT BD 46434V860   2,175,763 42,881 SH   SOLE   42,881 0 0
DIAGEO PLC SPON ADR NEW 25243Q205   1,704,720 11,427 SH   SOLE   11,427 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   1,496,732 15,938 SH   SOLE   15,938 0 0
BP PLC SPONSORED ADR 055622104   286,355 7,396 SH   SOLE   7,396 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   245,596 5,929 SH   SOLE   5,929 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   264,106 993 SH   SOLE   993 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   317,110 6,267 SH   SOLE   6,267 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847   534,726 12,211 SH   SOLE   12,211 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,650,094 36,442 SH   SOLE   36,442 0 0
ISHARES TR CORE S&P SCP ETF 464287804   1,444,568 15,314 SH   SOLE   15,314 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   239,620 10,009 SH   SOLE   10,009 0 0
GLOBAL X FDS US PFD ETF 37954Y657   2,601,170 138,287 SH   SOLE   138,287 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   231,619 1,225 SH   SOLE   1,225 0 0
ISHARES INC MSCI EMRG CHN 46434G764   3,562,935 71,502 SH   SOLE   71,502 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   672,628 10,435 SH   SOLE   10,435 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,166,928 2,972 SH   SOLE   2,972 0 0
PIMCO ETF TR BROAD US TIPS 72201R403   282,147 5,450 SH   SOLE   5,450 0 0
SPDR SER TR S&P 400 MDCP GRW 78464A821   536,803 7,764 SH   SOLE   7,764 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   6,682,107 131,305 SH   SOLE   131,305 0 0
ISHARES TR GLOBAL 100 ETF 464287572   437,403 5,972 SH   SOLE   5,972 0 0
VISA INC COM CL A 92826C839   307,791 1,338 SH   SOLE   1,338 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   241,954 3,343 SH   SOLE   3,343 0 0
ISHARES TR MSCI INDIA ETF 46429B598   894,792 20,235 SH   SOLE   20,235 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,448,714 6,764 SH   SOLE   6,764 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   319,143 1,172 SH   SOLE   1,172 0 0
ISHARES TR CORE S&P TTL STK 464287150   1,725,762 18,322 SH   SOLE   18,322 0 0
NOVARTIS AG SPONSORED ADR 66987V109   261,023 2,563 SH   SOLE   2,563 0 0
ISHARES TR CORE MSCI EAFE 46432F842   732,385 11,381 SH   SOLE   11,381 0 0
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   377,132 15,152 SH   SOLE   15,152 0 0
SPDR SER TR BLOOMBERG INVT 78468R200   333,066 10,842 SH   SOLE   10,842 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   2,958,259 59,367 SH   SOLE   59,367 0 0
ISHARES TR MSCI INDIA SM CP 46429B614   411,921 6,526 SH   SOLE   6,526 0 0
ISHARES TR 10+ YR INVST GRD 464289511   2,051,727 43,524 SH   SOLE   43,524 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   758,299 3,383 SH   SOLE   3,383 0 0
ISHARES TR RUS MID CAP ETF 464287499   206,019 2,975 SH   SOLE   2,975 0 0
WISDOMTREE TR US MIDCAP DIVID 97717W505   3,038,574 74,184 SH   SOLE   74,184 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   2,714,549 55,982 SH   SOLE   55,982 0 0
ISHARES TR S&P 500 VAL ETF 464287408   1,677,846 10,906 SH   SOLE   10,906 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   1,140,818 16,674 SH   SOLE   16,674 0 0
ISHARES TR CORE S&P500 ETF 464287200   11,737,397 27,333 SH   SOLE   27,333 0 0
ISHARES TR PFD AND INCM SEC 464288687   2,792,766 92,629 SH   SOLE   92,629 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   1,263,002 25,961 SH   SOLE   25,961 0 0
ISHARES TR CORE US AGGBD ET 464287226   1,447,090 15,388 SH   SOLE   15,388 0 0
ISHARES TR CORE DIV GRWTH 46434V621   897,786 18,126 SH   SOLE   18,126 0 0
ISHARES TR S&P MC 400GR ETF 464287606   1,154,901 15,987 SH   SOLE   15,987 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   409,527 19,290 SH   SOLE   19,290 0 0
WISDOMTREE TR INDIA ERNGS FD 97717W422   2,206,624 60,028 SH   SOLE   60,028 0 0
ISHARES INC MSCI AUST ETF 464286103   1,374,919 63,920 SH   SOLE   63,920 0 0
ISHARES TR CORE S&P MCP ETF 464287507   2,663,182 10,680 SH   SOLE   10,680 0 0
ISHARES TR MSCI EAFE ETF 464287465   211,512 3,069 SH   SOLE   3,069 0 0
ISHARES TR CORE S&P500 ETF 464287200   3,673,706 8,555 SH   SOLE   8,555 0 0
ISHARES TR CORE S&P MCP ETF 464287507   762,179 3,057 SH   SOLE   3,057 0 0
ISHARES TR S&P MC 400GR ETF 464287606   519,811 7,196 SH   SOLE   7,196 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   346,874 1,548 SH   SOLE   1,548 0 0
ISHARES TR CORE S&P SCP ETF 464287804   217,552 2,306 SH   SOLE   2,306 0 0
ISHARES TR 10+ YR INVST GRD 464289511   591,932 12,557 SH   SOLE   12,557 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,062,808 14,615 SH   SOLE   14,615 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   556,194 11,470 SH   SOLE   11,470 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   366,660 5,182 SH   SOLE   5,182 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702   261,817 631 SH   SOLE   631 0 0
AMAZON COM INC COM 023135106   1,379,074 10,849 SH   SOLE   10,849 0 0
ROLLINS INC COM 775711104   1,153,341 30,896 SH   SOLE   30,896 0 0
ULTA BEAUTY INC COM 90384S303   563,225 1,410 SH   SOLE   1,410 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   2,982,600 8,325 SH   SOLE   8,325 0 0
STARBUCKS CORP COM 855244109   351,547 3,852 SH   SOLE   3,852 0 0
ELEVANCE HEALTH INC COM 036752103   410,076 942 SH   SOLE   942 0 0
ISHARES GOLD TR ISHARES NEW 464285204   401,930 11,487 SH   SOLE   11,487 0 0
DOLLAR GEN CORP NEW COM 256677105   319,374 3,019 SH   SOLE   3,019 0 0
JOHNSON & JOHNSON COM 478160104   4,980,817 31,980 SH   SOLE   31,980 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   17,854,909 354,827 SH   SOLE   354,827 0 0
COSTCO WHSL CORP NEW COM 22160K105   2,372,245 4,199 SH   SOLE   4,199 0 0
PROCTER AND GAMBLE CO COM 742718109   2,127,573 14,586 SH   SOLE   14,586 0 0
COCA COLA CO COM 191216100   1,045,968 18,685 SH   SOLE   18,685 0 0
GENERAL MLS INC COM 370334104   1,365,279 21,336 SH   SOLE   21,336 0 0
UNITED PARCEL SERVICE INC CL B 911312106   3,598,565 23,087 SH   SOLE   23,087 0 0
INTEL CORP COM 458140100   696,126 19,582 SH   SOLE   19,582 0 0
MEDTRONIC PLC SHS G5960L103   506,149 6,459 SH   SOLE   6,459 0 0
PAYCHEX INC COM 704326107   799,122 6,929 SH   SOLE   6,929 0 0
ISHARES SILVER TR ISHARES 46428Q109   256,589 12,615 SH   SOLE   12,615 0 0
MERCK & CO INC COM 58933Y105   3,860,992 37,504 SH   SOLE   37,504 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   5,974,890 13,977 SH   SOLE   13,977 0 0
MASTERCARD INCORPORATED CL A 57636Q104   665,525 1,681 SH   SOLE   1,681 0 0
ILLINOIS TOOL WKS INC COM 452308109   957,267 4,156 SH   SOLE   4,156 0 0
EMERSON ELEC CO COM 291011104   753,084 7,798 SH   SOLE   7,798 0 0
SMUCKER J M CO COM NEW 832696405   536,180 4,362 SH   SOLE   4,362 0 0
TEGNA INC COM 87901J105   404,344 27,752 SH   SOLE   27,752 0 0
CHUBB LIMITED COM H1467J104   703,545 3,380 SH   SOLE   3,380 0 0
SNAP ON INC COM 833034101   2,239,863 8,782 SH   SOLE   8,782 0 0
PEPSICO INC COM 713448108   2,954,320 17,436 SH   SOLE   17,436 0 0
KIMBERLY-CLARK CORP COM 494368103   1,436,602 11,887 SH   SOLE   11,887 0 0
HONEYWELL INTL INC COM 438516106   1,241,260 6,719 SH   SOLE   6,719 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   219,943 1,084 SH   SOLE   1,084 0 0
HOME DEPOT INC COM 437076102   3,554,718 11,764 SH   SOLE   11,764 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   1,316,187 5,471 SH   SOLE   5,471 0 0
BHP GROUP LTD SPONSORED ADS 088606108   704,708 12,389 SH   SOLE   12,389 0 0
SPDR GOLD TR GOLD SHS 78463V107   1,418,283 8,272 SH   SOLE   8,272 0 0
SOUTHERN CO COM 842587107   787,375 12,166 SH   SOLE   12,166 0 0
BECTON DICKINSON & CO COM 075887109   2,082,338 8,055 SH   SOLE   8,055 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   5,927,140 174,533 SH   SOLE   174,533 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   412,296 8,216 SH   SOLE   8,216 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,212,495 6,316 SH   SOLE   6,316 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   217,977 2,901 SH   SOLE   2,901 0 0
ALPHABET INC CAP STK CL A 02079K305   1,897,993 14,504 SH   SOLE   14,504 0 0
OREILLY AUTOMOTIVE INC COM 67103H107   2,313,958 2,546 SH   SOLE   2,546 0 0
UNILEVER PLC SPON ADR NEW 904767704   2,934,581 59,404 SH   SOLE   59,404 0 0
MICROSOFT CORP COM 594918104   5,084,193 16,102 SH   SOLE   16,102 0 0
VALERO ENERGY CORP COM 91913Y100   245,583 1,733 SH   SOLE   1,733 0 0
CVS HEALTH CORP COM 126650100   1,558,018 22,315 SH   SOLE   22,315 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   392,149 1,883 SH   SOLE   1,883 0 0
NEXTERA ENERGY INC COM 65339F101   689,199 12,030 SH   SOLE   12,030 0 0
NIKE INC CL B 654106103   247,215 2,585 SH   SOLE   2,585 0 0
TESLA INC COM 88160R101   243,734 974 SH   SOLE   974 0 0
DECKERS OUTDOOR CORP COM 243537107   233,911 455 SH   SOLE   455 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   1,144,956 6,268 SH   SOLE   6,268 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   2,394,954 41,342 SH   SOLE   41,342 0 0
AMPHENOL CORP NEW CL A 032095101   989,390 11,780 SH   SOLE   11,780 0 0
STANLEY BLACK & DECKER INC COM 854502101   333,817 3,994 SH   SOLE   3,994 0 0
DOW INC COM 260557103   1,950,277 37,825 SH   SOLE   37,825 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   582,216 1,275 SH   SOLE   1,275 0 0
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   1,090,171 24,405 SH   SOLE   24,405 0 0
ELI LILLY & CO COM 532457108   429,831 800 SH   SOLE   800 0 0
AIR PRODS & CHEMS INC COM 009158106   1,479,149 5,219 SH   SOLE   5,219 0 0
PIMCO CORPORATE & INCOME OPP COM 72201B101   255,590 19,555 SH   SOLE   19,555 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   526,791 5,969 SH   SOLE   5,969 0 0
J P MORGAN EXCHANGE TRADED F BETABUILDERS I 46641Q373   463,690 8,900 SH   SOLE   8,900 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   238,618 4,323 SH   SOLE   4,323 0 0
AFLAC INC COM 001055102   2,948,895 38,422 SH   SOLE   38,422 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   202,847 3,033 SH   SOLE   3,033 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108   206,087 12,880 SH   SOLE   12,880 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   3,010,496 68,065 SH   SOLE   68,065 0 0
TRACTOR SUPPLY CO COM 892356106   950,572 4,681 SH   SOLE   4,681 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   303,180 6,513 SH   SOLE   6,513 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   4,924,380 35,702 SH   SOLE   35,702 0 0
META PLATFORMS INC CL A 30303M102   1,091,055 3,634 SH   SOLE   3,634 0 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   238,208 7,002 SH   SOLE   7,002 0 0
MOODYS CORP COM 615369105   251,039 794 SH   SOLE   794 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,773,491 5,775 SH   SOLE   5,775 0 0
OMNICOM GROUP INC COM 681919106   653,864 8,779 SH   SOLE   8,779 0 0
NVIDIA CORPORATION COM 67066G104   2,013,442 4,629 SH   SOLE   4,629 0 0
CUMMINS INC COM 231021106   2,109,333 9,233 SH   SOLE   9,233 0 0
GENUINE PARTS CO COM 372460105   1,686,974 11,684 SH   SOLE   11,684 0 0
GRAINGER W W INC COM 384802104   653,131 944 SH   SOLE   944 0 0
ABBVIE INC COM 00287Y109   816,883 5,480 SH   SOLE   5,480 0 0
NATIONAL GRID PLC SPONSORED ADR NE 636274409   363,052 5,988 SH   SOLE   5,988 0 0
KENVUE INC COM 49177J102   2,578,780 128,425 SH   SOLE   128,425 0 0
ZOETIS INC CL A 98978V103   1,161,477 6,676 SH   SOLE   6,676 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   977,200 11,245 SH   SOLE   11,245 0 0
BLACKSTONE INC COM 09260D107   239,458 2,235 SH   SOLE   2,235 0 0
CHURCH & DWIGHT CO INC COM 171340102   748,325 8,167 SH   SOLE   8,167 0 0
FASTENAL CO COM 311900104   314,874 5,763 SH   SOLE   5,763 0 0
GENERAL DYNAMICS CORP COM 369550108   1,686,103 7,630 SH   SOLE   7,630 0 0
MCDONALDS CORP COM 580135101   2,190,035 8,313 SH   SOLE   8,313 0 0
CISCO SYS INC COM 17275R102   2,980,855 55,447 SH   SOLE   55,447 0 0
ADVANCED MICRO DEVICES INC COM 007903107   1,312,600 12,766 SH   SOLE   12,766 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   714,706 9,884 SH   SOLE   9,884 0 0
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865   401,383 10,585 SH   SOLE   10,585 0 0
ROSS STORES INC COM 778296103   422,725 3,743 SH   SOLE   3,743 0 0
UNION PAC CORP COM 907818108   350,302 1,720 SH   SOLE   1,720 0 0
MCCORMICK & CO INC COM NON VTG 579780206   1,204,194 15,920 SH   SOLE   15,920 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   575,531 1,137 SH   SOLE   1,137 0 0
LOCKHEED MARTIN CORP COM 539830109   2,522,410 6,168 SH   SOLE   6,168 0 0
JPMORGAN CHASE & CO COM 46625H100   2,413,607 16,643 SH   SOLE   16,643 0 0
HARTFORD FINL SVCS GROUP INC COM 416515104   242,654 3,422 SH   SOLE   3,422 0 0
CHEVRON CORP NEW COM 166764100   3,204,647 19,005 SH   SOLE   19,005 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   3,423,122 78,296 SH   SOLE   78,296 0 0
DANAHER CORPORATION COM 235851102   661,362 2,666 SH   SOLE   2,666 0 0
TJX COS INC NEW COM 872540109   2,156,974 24,268 SH   SOLE   24,268 0 0
BANK AMERICA CORP COM 060505104   234,885 8,579 SH   SOLE   8,579 0 0
WALMART INC COM 931142103   231,809 1,449 SH   SOLE   1,449 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   1,892,538 13,489 SH   SOLE   13,489 0 0
ORACLE CORP COM 68389X105   1,773,130 16,740 SH   SOLE   16,740 0 0
RTX CORPORATION COM 75513E101   1,381,881 19,201 SH   SOLE   19,201 0 0
TEXAS INSTRS INC COM 882508104   539,470 3,393 SH   SOLE   3,393 0 0
PFIZER INC COM 717081103   3,084,730 92,998 SH   SOLE   92,998 0 0
CATERPILLAR INC COM 149123101   562,867 2,062 SH   SOLE   2,062 0 0
ALPHABET INC CAP STK CL C 02079K107   2,135,247 16,195 SH   SOLE   16,195 0 0
AMGEN INC COM 031162100   3,465,762 12,895 SH   SOLE   12,895 0 0
APPLIED MATLS INC COM 038222105   922,814 6,665 SH   SOLE   6,665 0 0
OTIS WORLDWIDE CORP COM 68902V107   260,854 3,248 SH   SOLE   3,248 0 0
ANALOG DEVICES INC COM 032654105   258,433 1,476 SH   SOLE   1,476 0 0
HUMANA INC COM 444859102   234,989 483 SH   SOLE   483 0 0
CANADIAN NATL RY CO COM 136375102   625,151 5,771 SH   SOLE   5,771 0 0
HDFC BANK LTD SPONSORED ADS 40415F101   801,061 13,575 SH   SOLE   13,575 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   613,720 3,950 SH   SOLE   3,950 0 0
DNP SELECT INCOME FD INC COM 23325P104   3,340,762 350,920 SH   SOLE   350,920 0 0
PHILIP MORRIS INTL INC COM 718172109   304,018 3,284 SH   SOLE   3,284 0 0
FIDELITY MERRIMACK STR TR LTD TRM BD ETF 316188200   1,557,344 32,583 SH   SOLE   32,583 0 0
ROPER TECHNOLOGIES INC COM 776696106   930,354 1,921 SH   SOLE   1,921 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   239,204 4,121 SH   SOLE   4,121 0 0
EXXON MOBIL CORP COM 30231G102   2,038,296 17,335 SH   SOLE   17,335 0 0
UNITEDHEALTH GROUP INC COM 91324P102   265,868 527 SH   SOLE   527 0 0
TRAVELERS COMPANIES INC COM 89417E109   1,699,070 10,404 SH   SOLE   10,404 0 0
LOWES COS INC COM 548661107   275,501 1,326 SH   SOLE   1,326 0 0
DEERE & CO COM 244199105   516,168 1,368 SH   SOLE   1,368 0 0
COLGATE PALMOLIVE CO COM 194162103   549,064 7,721 SH   SOLE   7,721 0 0
NOVO-NORDISK A S ADR 670100205   1,275,245 14,023 SH   SOLE   14,023 0 0
TORONTO DOMINION BK ONT COM NEW 891160509   823,263 13,662 SH   SOLE   13,662 0 0
APPLE INC COM 037833100   7,713,421 45,052 SH   SOLE   45,052 0 0
ABBOTT LABS COM 002824100   2,050,114 21,168 SH   SOLE   21,168 0 0
DISNEY WALT CO COM 254687106   328,334 4,051 SH   SOLE   4,051 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,001,510 58,937 SH   SOLE   58,937 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,165,662 26,355 SH   SOLE   26,355 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   520,568 3,774 SH   SOLE   3,774 0 0