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
AT&T INC COM 00206R102   543 28,393 SH   SOLE   28,393 0 0
ABBVIE INC COM 00287Y109   1,474 8,595 SH   SOLE   8,595 0 0
ADVANCED MICRO DEVICES INC COM 007903107   226 1,396 SH   SOLE   1,396 0 0
AIR PRODS & CHEMS INC COM 009158106   490 1,898 SH   SOLE   1,898 0 0
ALPHABET INC CAP STK CL A 02079K305   58,824 322,941 SH   SOLE   322,941 0 0
ALTRIA GROUP INC COM 02209S103   1,029 22,595 SH   SOLE   22,595 0 0
AMAZON COM INC COM 023135106   9,626 49,811 SH   SOLE   49,811 0 0
AMERICAN ELEC PWR CO INC COM 025537101   981 11,183 SH   SOLE   11,183 0 0
AMERICAN EXPRESS CO COM 025816109   494 2,132 SH   SOLE   2,132 0 0
AMETEK INC COM 031100100   266 1,593 SH   SOLE   1,593 0 0
AMGEN INC COM 031162100   1,572 5,031 SH   SOLE   5,031 0 0
AMPHENOL CORP NEW CL A 032095101   1,048 15,562 SH   SOLE   15,562 0 0
ANALOG DEVICES INC COM 032654105   410 1,795 SH   SOLE   1,795 0 0
ANTERO MIDSTREAM CORP COM 03676B102   1,107 75,129 SH   SOLE   75,129 0 0
APPLE INC COM 037833100   30,817 146,315 SH   SOLE   146,315 0 0
APPLIED MATLS INC COM 038222105   375 1,588 SH   SOLE   1,588 0 0
APTARGROUP INC COM 038336103   279 1,984 SH   SOLE   1,984 0 0
ARISTA NETWORKS INC COM 040413106   660 1,882 SH   SOLE   1,882 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   649 2,720 SH   SOLE   2,720 0 0
AUTOZONE INC COM 053332102   898 303 SH   SOLE   303 0 0
BANK AMERICA CORP COM 060505104   3,963 99,650 SH   SOLE   99,650 0 0
BANK NEW YORK MELLON CORP COM 064058100   2,028 33,863 SH   SOLE   33,863 0 0
BAXTER INTL INC COM 071813109   271 8,116 SH   SOLE   8,116 0 0
BIOGEN INC COM 09062X103   432 1,865 SH   SOLE   1,865 0 0
BLACKROCK INC COM 09247X101   731 928 SH   SOLE   928 0 0
BLACKSTONE INC COM 09260D107   207 1,672 SH   SOLE   1,672 0 0
BOOKING HOLDINGS INC COM 09857L108   428 108 SH   SOLE   108 0 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   374 2,432 SH   SOLE   2,432 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   942 22,671 SH   SOLE   22,671 0 0
BROADCOM INC COM 11135F101   605 377 SH   SOLE   377 0 0
CME GROUP INC COM 12572Q105   1,529 7,775 SH   SOLE   7,775 0 0
CMS ENERGY CORP COM 125896100   215 3,618 SH   SOLE   3,618 0 0
CSX CORP COM 126408103   535 16,007 SH   SOLE   16,007 0 0
CVS HEALTH CORP COM 126650100   944 15,991 SH   SOLE   15,991 0 0
CAPITAL ONE FINL CORP COM 14040H105   2,107 15,217 SH   SOLE   15,217 0 0
CARDINAL HEALTH INC COM 14149Y108   221 2,248 SH   SOLE   2,248 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   391 6,195 SH   SOLE   6,195 0 0
CATERPILLAR INC COM 149123101   708 2,124 SH   SOLE   2,124 0 0
CHENIERE ENERGY INC COM NEW 16411R208   5,777 33,045 SH   SOLE   33,045 0 0
CHEVRON CORP NEW COM 166764100   1,733 11,079 SH   SOLE   11,079 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   451 7,200 SH   SOLE   7,200 0 0
CISCO SYS INC COM 17275R102   724 15,241 SH   SOLE   15,241 0 0
CITIGROUP INC COM NEW 172967424   2,463 38,810 SH   SOLE   38,810 0 0
CITIZENS FINL GROUP INC COM 174610105   1,956 54,300 SH   SOLE   54,300 0 0
COCA COLA CO COM 191216100   2,057 32,316 SH   SOLE   32,316 0 0
COLGATE PALMOLIVE CO COM 194162103   1,233 12,705 SH   SOLE   12,705 0 0
COMCAST CORP NEW CL A 20030N101   8,766 223,857 SH   SOLE   223,857 0 0
COMERICA INC COM 200340107   724 14,178 SH   SOLE   14,178 0 0
CONAGRA BRANDS INC COM 205887102   232 8,157 SH   SOLE   8,157 0 0
CONSOLIDATED EDISON INC COM 209115104   247 2,764 SH   SOLE   2,764 0 0
CONSTELLATION BRANDS INC CL A 21036P108   679 2,639 SH   SOLE   2,639 0 0
CROWN CASTLE INC COM 22822V101   789 8,080 SH   SOLE   8,080 0 0
CUMMINS INC COM 231021106   226 817 SH   SOLE   817 0 0
DTE ENERGY CO COM 233331107   228 2,055 SH   SOLE   2,055 0 0
DISNEY WALT CO COM 254687106   7,181 72,327 SH   SOLE   72,327 0 0
DOLLAR GEN CORP NEW COM 256677105   330 2,494 SH   SOLE   2,494 0 0
DOMINION ENERGY INC COM 25746U109   296 6,051 SH   SOLE   6,051 0 0
DOVER CORP COM 260003108   225 1,246 SH   SOLE   1,246 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   921 9,192 SH   SOLE   9,192 0 0
EOG RES INC COM 26875P101   302 2,399 SH   SOLE   2,399 0 0
ECOPETROL S A SPONSORED ADS 279158109   299 26,727 SH   SOLE   26,727 0 0
EDISON INTL COM 281020107   389 5,418 SH   SOLE   5,418 0 0
ELECTRONIC ARTS INC COM 285512109   1,672 11,997 SH   SOLE   11,997 0 0
EMCOR GROUP INC COM 29084Q100   271 742 SH   SOLE   742 0 0
EMERSON ELEC CO COM 291011104   1,122 10,183 SH   SOLE   10,183 0 0
ENCOMPASS HEALTH CORP COM 29261A100   201 2,345 SH   SOLE   2,345 0 0
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   3,622 223,302 SH   SOLE   223,302 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107   6,123 211,287 SH   SOLE   211,287 0 0
EQUITRANS MIDSTREAM CORP COM 294600101   2,235 172,183 SH   SOLE   172,183 0 0
EXXON MOBIL CORP COM 30231G102   4,230 36,747 SH   SOLE   36,747 0 0
META PLATFORMS INC CL A 30303M102   25,883 51,333 SH   SOLE   51,333 0 0
FEDERAL RLTY INVT TR NEW SH BEN INT NEW 313745101   371 3,677 SH   SOLE   3,677 0 0
FEDEX CORP COM 31428X106   464 1,546 SH   SOLE   1,546 0 0
FIFTH THIRD BANCORP COM 316773100   1,873 51,321 SH   SOLE   51,321 0 0
FRANKLIN TEMPLETON ETF TR FRANKLN SWZLND 35473P694   10,564 317,703 SH   SOLE   317,703 0 0
FREEPORT-MCMORAN INC CL B 35671D857   234 4,814 SH   SOLE   4,814 0 0
GENERAL DYNAMICS CORP COM 369550108   1,479 5,099 SH   SOLE   5,099 0 0
GENERAL MLS INC COM 370334104   597 9,439 SH   SOLE   9,439 0 0
GENTEX CORP COM 371901109   225 6,663 SH   SOLE   6,663 0 0
GILEAD SCIENCES INC COM 375558103   1,071 15,603 SH   SOLE   15,603 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   3,096 6,845 SH   SOLE   6,845 0 0
HCA HEALTHCARE INC COM 40412C101   655 2,038 SH   SOLE   2,038 0 0
HASBRO INC COM 418056107   254 4,347 SH   SOLE   4,347 0 0
HERSHEY CO COM 427866108   661 3,594 SH   SOLE   3,594 0 0
HONEYWELL INTL INC COM 438516106   875 4,099 SH   SOLE   4,099 0 0
HUNTINGTON BANCSHARES INC COM 446150104   2,310 175,233 SH   SOLE   175,233 0 0
ILLINOIS TOOL WKS INC COM 452308109   791 3,337 SH   SOLE   3,337 0 0
INGREDION INC COM 457187102   220 1,919 SH   SOLE   1,919 0 0
INTEL CORP COM 458140100   221 7,138 SH   SOLE   7,138 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   1,124 8,213 SH   SOLE   8,213 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   448 2,591 SH   SOLE   2,591 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   380 855 SH   SOLE   855 0 0
ISHARES INC MSCI STH KOR ETF 464286772   8,957 135,523 SH   SOLE   135,523 0 0
ISHARES TR GLB CNSM STP ETF 464288737   10,605 176,434 SH   SOLE   176,434 0 0
ISHARES TR US TREAS BD ETF 46429B267   196,759 8,717,729 SH   SOLE   8,717,729 0 0
JPMORGAN CHASE & CO COM 46625H100   3,225 15,944 SH   SOLE   15,944 0 0
JOHNSON & JOHNSON COM 478160104   811 5,552 SH   SOLE   5,552 0 0
JUNIPER NETWORKS INC COM 48203R104   215 5,908 SH   SOLE   5,908 0 0
KLA CORP COM NEW 482480100   451 547 SH   SOLE   547 0 0
KELLANOVA COM 487836108   233 4,038 SH   SOLE   4,038 0 0
KEURIG DR PEPPER INC COM 49271V100   1,054 31,543 SH   SOLE   31,543 0 0
KEYCORP COM 493267108   1,387 97,594 SH   SOLE   97,594 0 0
KIMBERLY-CLARK CORP COM 494368103   1,490 10,781 SH   SOLE   10,781 0 0
KINDER MORGAN INC DEL COM 49456B101   5,835 293,656 SH   SOLE   293,656 0 0
KROGER CO COM 501044101   239 4,796 SH   SOLE   4,796 0 0
LABCORP HOLDINGS INC COM SHS 504922105   233 1,146 SH   SOLE   1,146 0 0
LAM RESEARCH CORP COM 512807108   296 278 SH   SOLE   278 0 0
LOCKHEED MARTIN CORP COM 539830109   995 2,130 SH   SOLE   2,130 0 0
LOWES COS INC COM 548661107   601 2,726 SH   SOLE   2,726 0 0
M & T BK CORP COM 55261F104   2,671 17,648 SH   SOLE   17,648 0 0
MPLX LP COM UNIT REP LTD 55336V100   2,124 49,876 SH   SOLE   49,876 0 0
MASTERCARD INCORPORATED CL A 57636Q104   861 1,951 SH   SOLE   1,951 0 0
MCDONALDS CORP COM 580135101   1,616 6,342 SH   SOLE   6,342 0 0
MICROSOFT CORP COM 594918104   33,351 74,620 SH   SOLE   74,620 0 0
MONDELEZ INTL INC CL A 609207105   1,347 20,577 SH   SOLE   20,577 0 0
MONSTER BEVERAGE CORP NEW COM 61174X109   456 9,136 SH   SOLE   9,136 0 0
MOODYS CORP COM 615369105   391 930 SH   SOLE   930 0 0
MORGAN STANLEY COM NEW 617446448   3,034 31,216 SH   SOLE   31,216 0 0
NNN REIT INC COM 637417106   284 6,676 SH   SOLE   6,676 0 0
NETAPP INC COM 64110D104   490 3,806 SH   SOLE   3,806 0 0
NETFLIX INC COM 64110L106   5,328 7,894 SH   SOLE   7,894 0 0
NEXTERA ENERGY INC COM 65339F101   346 4,891 SH   SOLE   4,891 0 0
NIKE INC CL B 654106103   260 3,455 SH   SOLE   3,455 0 0
NISOURCE INC COM 65473P105   236 8,206 SH   SOLE   8,206 0 0
NORFOLK SOUTHN CORP COM 655844108   492 2,290 SH   SOLE   2,290 0 0
NORTHERN TR CORP COM 665859104   1,925 22,922 SH   SOLE   22,922 0 0
NORTHROP GRUMMAN CORP COM 666807102   509 1,167 SH   SOLE   1,167 0 0
NVIDIA CORPORATION COM 67066G104   16,746 135,550 SH   SOLE   135,550 0 0
OGE ENERGY CORP COM 670837103   221 6,197 SH   SOLE   6,197 0 0
OREILLY AUTOMOTIVE INC COM 67103H107   943 893 SH   SOLE   893 0 0
OLD DOMINION FREIGHT LINE IN COM 679580100   258 1,460 SH   SOLE   1,460 0 0
ONEOK INC NEW COM 682680103   5,383 66,008 SH   SOLE   66,008 0 0
PNC FINL SVCS GROUP INC COM 693475105   3,165 20,354 SH   SOLE   20,354 0 0
PACCAR INC COM 693718108   780 7,575 SH   SOLE   7,575 0 0
PAYPAL HLDGS INC COM 70450Y103   209 3,608 SH   SOLE   3,608 0 0
PEPSICO INC COM 713448108   1,476 8,952 SH   SOLE   8,952 0 0
PETROLEO BRASILEIRO SA PETRO SPONSORED ADR 71654V408   2,346 161,919 SH   SOLE   161,919 0 0
PFIZER INC COM 717081103   1,068 38,186 SH   SOLE   38,186 0 0
PHILIP MORRIS INTL INC COM 718172109   767 7,567 SH   SOLE   7,567 0 0
PDD HOLDINGS INC SPONSORED ADS 722304102   1,996 15,016 SH   SOLE   15,016 0 0
PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN 726503105   2,091 117,053 SH   SOLE   117,053 0 0
PRICE T ROWE GROUP INC COM 74144T108   328 2,845 SH   SOLE   2,845 0 0
PROCTER AND GAMBLE CO COM 742718109   690 4,184 SH   SOLE   4,184 0 0
PUBLIC STORAGE COM 74460D109   382 1,328 SH   SOLE   1,328 0 0
QUALCOMM INC COM 747525103   409 2,051 SH   SOLE   2,051 0 0
QUEST DIAGNOSTICS INC COM 74834L100   273 1,995 SH   SOLE   1,995 0 0
RTX CORPORATION COM 75513E101   417 4,152 SH   SOLE   4,152 0 0
REALTY INCOME CORP COM 756109104   213 4,031 SH   SOLE   4,031 0 0
REGENERON PHARMACEUTICALS COM 75886F107   742 706 SH   SOLE   706 0 0
REGIONS FINANCIAL CORP NEW COM 7591EP100   1,354 67,555 SH   SOLE   67,555 0 0
ROPER TECHNOLOGIES INC COM 776696106   870 1,544 SH   SOLE   1,544 0 0
SEI INVTS CO COM 784117103   246 3,807 SH   SOLE   3,807 0 0
SCHWAB CHARLES CORP COM 808513105   1,163 15,783 SH   SOLE   15,783 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   18,731 633,451 SH   SOLE   633,451 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   56,649 1,177,008 SH   SOLE   1,177,008 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   4,483 50,763 SH   SOLE   50,763 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   21,577 316,659 SH   SOLE   316,659 0 0
SHERWIN WILLIAMS CO COM 824348106   392 1,314 SH   SOLE   1,314 0 0
SIMON PPTY GROUP INC NEW COM 828806109   386 2,541 SH   SOLE   2,541 0 0
SIRIUS XM HOLDINGS INC COM 82968B103   93 33,005 SH   SOLE   33,005 0 0
SMUCKER J M CO COM NEW 832696405   211 1,934 SH   SOLE   1,934 0 0
SOUTHERN CO COM 842587107   813 10,487 SH   SOLE   10,487 0 0
STARBUCKS CORP COM 855244109   254 3,258 SH   SOLE   3,258 0 0
STATE STR CORP COM 857477103   956 12,920 SH   SOLE   12,920 0 0
STRYKER CORPORATION COM 863667101   565 1,660 SH   SOLE   1,660 0 0
T-MOBILE US INC COM 872590104   3,060 17,366 SH   SOLE   17,366 0 0
TARGA RES CORP COM 87612G101   2,533 19,672 SH   SOLE   19,672 0 0
TENCENT MUSIC ENTMT GROUP SPON ADS 88034P109   2,016 143,468 SH   SOLE   143,468 0 0
TEXAS INSTRS INC COM 882508104   1,049 5,394 SH   SOLE   5,394 0 0
3M CO COM 88579Y101   512 5,011 SH   SOLE   5,011 0 0
TRUIST FINL CORP COM 89832Q109   2,807 72,246 SH   SOLE   72,246 0 0
TYSON FOODS INC CL A 902494103   248 4,336 SH   SOLE   4,336 0 0
US BANCORP DEL COM NEW 902973304   3,126 78,744 SH   SOLE   78,744 0 0
UNION PAC CORP COM 907818108   467 2,066 SH   SOLE   2,066 0 0
UNITED PARCEL SERVICE INC CL B 911312106   679 4,959 SH   SOLE   4,959 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   6,213 71,730 SH   SOLE   71,730 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   2,739 56,437 SH   SOLE   56,437 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   81,731 402,557 SH   SOLE   402,557 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   72,735 273,439 SH   SOLE   273,439 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   3,858 66,246 SH   SOLE   66,246 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   7,555 130,973 SH   SOLE   130,973 0 0
VENTAS INC COM 92276F100   218 4,258 SH   SOLE   4,258 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   62,602 234,017 SH   SOLE   234,017 0 0
VERIZON COMMUNICATION INC COM 92343V104   8,780 212,905 SH   SOLE   212,905 0 0
WASTE MGMT INC DEL COM 94106L109   1,309 6,138 SH   SOLE   6,138 0 0
WELLS FARGO CO NEW COM 949746101   4,521 76,128 SH   SOLE   76,128 0 0
WILLIAMS COS INC COM 969457100   5,271 124,021 SH   SOLE   124,021 0 0
AMCOR PLC ORD G0250X107   415 42,409 SH   SOLE   42,409 0 0
AMDOCS LTD SHS G02602103   247 3,126 SH   SOLE   3,126 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   357 1,175 SH   SOLE   1,175 0 0
EATON CORP PLC SHS G29183103   942 3,003 SH   SOLE   3,003 0 0
MEDTRONIC PLC SHS G5960L103   883 11,215 SH   SOLE   11,215 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   856 2,603 SH   SOLE   2,603 0 0
GARMIN LTD SHS H2906T109   266 1,633 SH   SOLE   1,633 0 0
CHECK POINT SOFTWARE TECH LT ORD M22465104   399 2,421 SH   SOLE   2,421 0 0