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
ADVANCED MICRO DEVICES INC COM 007903107   252 1,396 SH   SOLE   1,396 0 0
AIR PRODS & CHEMS INC COM 009158106   494 2,040 SH   SOLE   2,040 0 0
AMAZON COM INC COM 023135106   16,715 92,668 SH   SOLE   92,668 0 0
AMERICAN ELEC PWR CO INC COM 025537101   1,011 11,743 SH   SOLE   11,743 0 0
AMERICAN EXPRESS CO COM 025816109   485 2,132 SH   SOLE   2,132 0 0
AMETEK INC COM 031100100   291 1,593 SH   SOLE   1,593 0 0
AMGEN INC COM 031162100   1,491 5,243 SH   SOLE   5,243 0 0
AMPHENOL CORP NEW CL A 032095101   898 7,781 SH   SOLE   7,781 0 0
ANALOG DEVICES INC COM 032654105   355 1,795 SH   SOLE   1,795 0 0
APPLE INC COM 037833100   19,907 116,087 SH   SOLE   116,087 0 0
APPLIED MATLS INC COM 038222105   327 1,588 SH   SOLE   1,588 0 0
APTARGROUP INC COM 038336103   285 1,984 SH   SOLE   1,984 0 0
ARISTA NETWORKS INC COM 040413106   546 1,882 SH   SOLE   1,882 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   679 2,720 SH   SOLE   2,720 0 0
AUTOZONE INC COM 053332102   955 303 SH   SOLE   303 0 0
BANK AMERICA CORP COM 060505104   4,372 115,287 SH   SOLE   115,287 0 0
BANK NEW YORK MELLON CORP COM 064058100   2,237 38,822 SH   SOLE   38,822 0 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   361 2,432 SH   SOLE   2,432 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   1,191 21,955 SH   SOLE   21,955 0 0
CMS ENERGY CORP COM 125896100   218 3,618 SH   SOLE   3,618 0 0
CSX CORP COM 126408103   593 16,007 SH   SOLE   16,007 0 0
CVS HEALTH CORP COM 126650100   1,275 15,991 SH   SOLE   15,991 0 0
CATERPILLAR INC COM 149123101   778 2,124 SH   SOLE   2,124 0 0
CHEVRON CORP NEW COM 166764100   1,548 9,812 SH   SOLE   9,812 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   419 144 SH   SOLE   144 0 0
CITIGROUP INC COM NEW 172967424   3,065 48,466 SH   SOLE   48,466 0 0
CITIZENS FINL GROUP INC COM 174610105   2,238 61,675 SH   SOLE   61,675 0 0
COCA COLA CO COM 191216100   2,036 33,276 SH   SOLE   33,276 0 0
COLGATE PALMOLIVE CO COM 194162103   1,144 12,705 SH   SOLE   12,705 0 0
COMERICA INC COM 200340107   790 14,361 SH   SOLE   14,361 0 0
CONAGRA BRANDS INC COM 205887102   242 8,157 SH   SOLE   8,157 0 0
CONSOLIDATED EDISON INC COM 209115104   251 2,764 SH   SOLE   2,764 0 0
CUMMINS INC COM 231021106   241 817 SH   SOLE   817 0 0
DTE ENERGY CO COM 233331107   230 2,055 SH   SOLE   2,055 0 0
DISNEY WALT CO COM 254687106   9,594 78,405 SH   SOLE   78,405 0 0
DOLLAR GEN CORP NEW COM 256677105   389 2,494 SH   SOLE   2,494 0 0
DOVER CORP COM 260003108   221 1,246 SH   SOLE   1,246 0 0
ECOPETROL S A SPONSORED ADS 279158109   316 26,727 SH   SOLE   26,727 0 0
EDISON INTL COM 281020107   383 5,418 SH   SOLE   5,418 0 0
ELECTRONIC ARTS INC COM 285512109   1,725 13,001 SH   SOLE   13,001 0 0
EMERSON ELEC CO COM 291011104   1,249 11,012 SH   SOLE   11,012 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107   6,208 212,732 SH   SOLE   212,732 0 0
EQUITRANS MIDSTREAM CORP COM 294600101   2,626 210,260 SH   SOLE   210,260 0 0
FASTENAL CO COM 311900104   233 3,021 SH   SOLE   3,021 0 0
FEDERAL RLTY INVT TR NEW SH BEN INT NEW 313745101   333 3,265 SH   SOLE   3,265 0 0
FIFTH THIRD BANCORP COM 316773100   2,310 62,084 SH   SOLE   62,084 0 0
GENERAL DYNAMICS CORP COM 369550108   1,440 5,099 SH   SOLE   5,099 0 0
GENERAL MLS INC COM 370334104   660 9,439 SH   SOLE   9,439 0 0
GENTEX CORP COM 371901109   241 6,663 SH   SOLE   6,663 0 0
GILEAD SCIENCES INC COM 375558103   1,143 15,603 SH   SOLE   15,603 0 0
HASBRO INC COM 418056107   246 4,347 SH   SOLE   4,347 0 0
HERSHEY CO COM 427866108   699 3,594 SH   SOLE   3,594 0 0
HONEYWELL INTL INC COM 438516106   841 4,099 SH   SOLE   4,099 0 0
HUNTINGTON BANCSHARES INC COM 446150104   2,807 201,190 SH   SOLE   201,190 0 0
ILLINOIS TOOL WKS INC COM 452308109   940 3,504 SH   SOLE   3,504 0 0
INGREDION INC COM 457187102   224 1,919 SH   SOLE   1,919 0 0
INTEL CORP COM 458140100   315 7,138 SH   SOLE   7,138 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   633 3,314 SH   SOLE   3,314 0 0
ISHARES INC MSCI STH KOR ETF 464286772   9,095 135,523 SH   SOLE   135,523 0 0
ISHARES TR GLB CNSM STP ETF 464288737   10,254 168,014 SH   SOLE   168,014 0 0
JOHNSON & JOHNSON COM 478160104   878 5,552 SH   SOLE   5,552 0 0
KLA CORP COM NEW 482480100   382 547 SH   SOLE   547 0 0
KELLANOVA COM 487836108   231 4,038 SH   SOLE   4,038 0 0
KEYCORP COM 493267108   1,790 113,230 SH   SOLE   113,230 0 0
KIMBERLY-CLARK CORP COM 494368103   1,439 11,126 SH   SOLE   11,126 0 0
KROGER CO COM 501044101   274 4,796 SH   SOLE   4,796 0 0
LAM RESEARCH CORP COM 512807108   270 278 SH   SOLE   278 0 0
LOCKHEED MARTIN CORP COM 539830109   969 2,130 SH   SOLE   2,130 0 0
LOWES COS INC COM 548661107   694 2,726 SH   SOLE   2,726 0 0
MCDONALDS CORP COM 580135101   1,717 6,089 SH   SOLE   6,089 0 0
MICROSOFT CORP COM 594918104   26,520 63,034 SH   SOLE   63,034 0 0
MONDELEZ INTL INC CL A 609207105   1,440 20,577 SH   SOLE   20,577 0 0
MOODYS CORP COM 615369105   366 930 SH   SOLE   930 0 0
MORGAN STANLEY COM NEW 617446448   3,446 36,600 SH   SOLE   36,600 0 0
NNN REIT INC COM 637417106   285 6,676 SH   SOLE   6,676 0 0
NIKE INC CL B 654106103   325 3,455 SH   SOLE   3,455 0 0
NORFOLK SOUTHN CORP COM 655844108   584 2,290 SH   SOLE   2,290 0 0
NORTHERN TR CORP COM 665859104   2,191 24,637 SH   SOLE   24,637 0 0
NORTHROP GRUMMAN CORP COM 666807102   559 1,167 SH   SOLE   1,167 0 0
OGE ENERGY CORP COM 670837103   213 6,197 SH   SOLE   6,197 0 0
OLD DOMINION FREIGHT LINE IN COM 679580100   320 1,460 SH   SOLE   1,460 0 0
ONEOK INC NEW COM 681919106   209 2,157 SH   SOLE   2,157 0 0
ONEOK INC NEW COM 682680103   5,949 74,208 SH   SOLE   74,208 0 0
PNC FINL SVCS GROUP INC COM 693475105   3,560 22,032 SH   SOLE   22,032 0 0
PACCAR INC COM 693718108   938 7,575 SH   SOLE   7,575 0 0
PACKAGING CORP AMER COM 695156109   202 1,067 SH   SOLE   1,067 0 0
PEPSICO INC COM 713448108   1,567 8,952 SH   SOLE   8,952 0 0
PFIZER INC COM 717081103   1,027 37,016 SH   SOLE   37,016 0 0
PHILIP MORRIS INTL INC COM 718172109   754 8,227 SH   SOLE   8,227 0 0
PDD HOLDINGS INC SPONSORED ADS 722304102   2,309 19,859 SH   SOLE   19,859 0 0
PIONEER NAT RES CO COM 723787107   328 1,249 SH   SOLE   1,249 0 0
PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN 726503105   2,355 134,090 SH   SOLE   134,090 0 0
PROCTER AND GAMBLE CO COM 742718109   860 5,303 SH   SOLE   5,303 0 0
QUALCOMM INC COM 747525103   347 2,051 SH   SOLE   2,051 0 0
REALTY INCOME CORP COM 756109104   218 4,031 SH   SOLE   4,031 0 0
ROPER TECHNOLOGIES INC COM 776696106   866 1,544 SH   SOLE   1,544 0 0
SEI INVTS CO COM 784117103   274 3,807 SH   SOLE   3,807 0 0
SCHWAB CHARLES CORP COM 808513105   1,368 18,910 SH   SOLE   18,910 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   18,068 650,867 SH   SOLE   650,867 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   73,138 1,517,077 SH   SOLE   1,517,077 0 0
SHERWIN WILLIAMS CO COM 824348106   456 1,314 SH   SOLE   1,314 0 0
SIMON PPTY GROUP INC NEW COM 828806109   525 3,353 SH   SOLE   3,353 0 0
SMUCKER J M CO COM NEW 832696405   243 1,934 SH   SOLE   1,934 0 0
SNAP ON INC COM 833034101   211 712 SH   SOLE   712 0 0
SOUTHERN CO COM 842587107   752 10,487 SH   SOLE   10,487 0 0
STARBUCKS CORP COM 855244109   228 2,494 SH   SOLE   2,494 0 0
STATE STR CORP COM 857477103   1,089 14,083 SH   SOLE   14,083 0 0
STRYKER CORPORATION COM 863667101   594 1,660 SH   SOLE   1,660 0 0
T-MOBILE US INC COM 872590104   3,045 18,657 SH   SOLE   18,657 0 0
TEXAS INSTRS INC COM 882508104   1,138 6,530 SH   SOLE   6,530 0 0
TOLL BROTHERS INC COM 889478103   214 1,651 SH   SOLE   1,651 0 0
TYSON FOODS INC CL A 902494103   255 4,336 SH   SOLE   4,336 0 0
US BANCORP DEL COM NEW 902973304   3,730 83,455 SH   SOLE   83,455 0 0
UNION PAC CORP COM 907818108   508 2,066 SH   SOLE   2,066 0 0
UNITED PARCEL SERVICE INC CL B 911312106   737 4,959 SH   SOLE   4,959 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   2,703 56,437 SH   SOLE   56,437 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   59,297 228,155 SH   SOLE   228,155 0 0
WELLS FARGO CO NEW COM 949746101   5,669 97,801 SH   SOLE   97,801 0 0
WILLIAMS COS INC COM 969457100   5,551 142,442 SH   SOLE   142,442 0 0
RTX CORPORATION COM 75513E101   405 4,152 SH   SOLE   4,152 0 0
TARGET CORP COM 87612E106   234 1,319 SH   SOLE   1,319 0 0
AT&T INC COM 00206R102   500 28,393 SH   SOLE   28,393 0 0
ABBVIE INC COM 00287Y109   1,760 9,666 SH   SOLE   9,666 0 0
ALPHABET INC CAP STK CL A 02079K305   52,397 347,159 SH   SOLE   347,159 0 0
ALTRIA GROUP INC COM 02209S103   986 22,595 SH   SOLE   22,595 0 0
ANTERO MIDSTREAM CORP COM 03676B102   1,245 88,535 SH   SOLE   88,535 0 0
BIOGEN INC COM 09062X103   402 1,865 SH   SOLE   1,865 0 0
BLACKROCK INC COM 09247X101   774 928 SH   SOLE   928 0 0
BLACKSTONE INC COM 09260D107   220 1,672 SH   SOLE   1,672 0 0
BOOKING HOLDINGS INC COM 09857L108   392 108 SH   SOLE   108 0 0
BROADCOM INC COM 11135F101   883 666 SH   SOLE   666 0 0
CME GROUP INC COM 12572Q105   1,674 7,775 SH   SOLE   7,775 0 0
CAPITAL ONE FINL CORP COM 14040H105   2,635 17,700 SH   SOLE   17,700 0 0
CARDINAL HEALTH INC COM 14149Y108   252 2,248 SH   SOLE   2,248 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   360 6,195 SH   SOLE   6,195 0 0
CHENIERE ENERGY INC COM NEW 16411R208   5,329 33,045 SH   SOLE   33,045 0 0
CISCO SYS INC COM 17275R102   761 15,241 SH   SOLE   15,241 0 0
COMCAST CORP NEW CL A 20030N101   8,967 206,849 SH   SOLE   206,849 0 0
CONSTELLATION BRANDS INC CL A 21036P108   717 2,639 SH   SOLE   2,639 0 0
CROWN CASTLE INC COM 22822V101   758 7,165 SH   SOLE   7,165 0 0
DOMINION ENERGY INC COM 25746U109   347 7,050 SH   SOLE   7,050 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   889 9,192 SH   SOLE   9,192 0 0
EOG RES INC COM 26875P101   307 2,399 SH   SOLE   2,399 0 0
EMCOR GROUP INC COM 29084Q100   260 742 SH   SOLE   742 0 0
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   3,942 250,633 SH   SOLE   250,633 0 0
EXXON MOBIL CORP COM 30231G102   4,381 37,690 SH   SOLE   37,690 0 0
META PLATFORMS INC CL A 30303M102   26,716 55,018 SH   SOLE   55,018 0 0
FEDEX CORP COM 31428X106   448 1,546 SH   SOLE   1,546 0 0
FREEPORT-MCMORAN INC CL B 35671D857   226 4,814 SH   SOLE   4,814 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   3,328 7,968 SH   SOLE   7,968 0 0
HCA HEALTHCARE INC COM 40412C101   680 2,038 SH   SOLE   2,038 0 0
IDEX CORP COM 45167R104   225 924 SH   SOLE   924 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   1,129 8,213 SH   SOLE   8,213 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   341 855 SH   SOLE   855 0 0
ISHARES TR US TREAS BD ETF 46429B267   170,688 7,496,170 SH   SOLE   7,496,170 0 0
JPMORGAN CHASE & CO COM 46625H100   3,732 18,631 SH   SOLE   18,631 0 0
JUNIPER NETWORKS INC COM 48203R104   219 5,908 SH   SOLE   5,908 0 0
KEURIG DR PEPPER INC COM 49271V100   967 31,543 SH   SOLE   31,543 0 0
KINDER MORGAN INC DEL COM 49456B101   5,292 288,564 SH   SOLE   288,564 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409   250 1,146 SH   SOLE   1,146 0 0
M & T BK CORP COM 55261F104   2,844 19,554 SH   SOLE   19,554 0 0
MPLX LP COM UNIT REP LTD 55336V100   2,073 49,876 SH   SOLE   49,876 0 0
MASTERCARD INCORPORATED CL A 57636Q104   940 1,951 SH   SOLE   1,951 0 0
MONSTER BEVERAGE CORP NEW COM 61174X109   542 9,136 SH   SOLE   9,136 0 0
NETAPP INC COM 64110D104   454 4,328 SH   SOLE   4,328 0 0
NETFLIX INC COM 64110L106   4,894 8,059 SH   SOLE   8,059 0 0
NEXTERA ENERGY INC COM 65339F101   313 4,891 SH   SOLE   4,891 0 0
NISOURCE INC COM 65473P105   227 8,206 SH   SOLE   8,206 0 0
NVIDIA CORPORATION COM 67066G104   454 503 SH   SOLE   503 0 0
OREILLY AUTOMOTIVE INC COM 67103H107   1,008 893 SH   SOLE   893 0 0
PAYPAL HLDGS INC COM 70450Y103   242 3,608 SH   SOLE   3,608 0 0
PETROLEO BRASILEIRO SA PETRO SPONSORED ADR 71654V408   2,885 189,709 SH   SOLE   189,709 0 0
PRICE T ROWE GROUP INC COM 74144T108   433 3,548 SH   SOLE   3,548 0 0
PUBLIC STORAGE COM 74460D109   385 1,328 SH   SOLE   1,328 0 0
QUEST DIAGNOSTICS INC COM 74834L100   266 1,995 SH   SOLE   1,995 0 0
REGENERON PHARMACEUTICALS COM 75886F107   680 706 SH   SOLE   706 0 0
REGIONS FINANCIAL CORP NEW COM 7591EP100   1,575 74,878 SH   SOLE   74,878 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   29,610 318,769 SH   SOLE   318,769 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   4,853 73,927 SH   SOLE   73,927 0 0
SIRIUS XM HOLDINGS INC COM 82968B103   128 33,005 SH   SOLE   33,005 0 0
TARGA RES CORP COM 87612G101   2,675 23,889 SH   SOLE   23,889 0 0
TENCENT MUSIC ENTMT GROUP SPON ADS 88034P109   2,773 247,768 SH   SOLE   247,768 0 0
3M CO COM 88579Y101   532 5,011 SH   SOLE   5,011 0 0
TRIP COM GROUP LTD ADS 89677Q107   1,578 35,958 SH   SOLE   35,958 0 0
TRUIST FINL CORP COM 89832Q109   3,160 81,068 SH   SOLE   81,068 0 0
ULTA BEAUTY INC COM 90384S303   244 467 SH   SOLE   467 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   83,556 409,306 SH   SOLE   409,306 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   73,455 271,531 SH   SOLE   271,531 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   3,576 61,071 SH   SOLE   61,071 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   5,337 90,083 SH   SOLE   90,083 0 0
VERIZON COMMUNICATION INC COM 92343V104   9,531 227,136 SH   SOLE   227,136 0 0
WASTE MGMT INC DEL COM 94106L109   1,308 6,138 SH   SOLE   6,138 0 0
AMCOR PLC ORD G0250X107   434 45,635 SH   SOLE   45,635 0 0
AMDOCS LTD SHS G02602103   282 3,126 SH   SOLE   3,126 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   407 1,175 SH   SOLE   1,175 0 0
EATON CORP PLC SHS G29183103   939 3,003 SH   SOLE   3,003 0 0
MEDTRONIC PLC SHS G5960L103   977 11,215 SH   SOLE   11,215 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   781 2,603 SH   SOLE   2,603 0 0
GARMIN LTD SHS H2906T109   243 1,633 SH   SOLE   1,633 0 0
CHECK POINT SOFTWARE TECH LT ORD M22465104   397 2,421 SH   SOLE   2,421 0 0