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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AON PLC SHS CL A G0403H108 280 859 SH   SOLE   0 0 859
STERIS PLC SHS USD G8473T100 530 2,193 SH   SOLE   0 0 2,193
TRANSOCEAN LTD REG SHS H8817H100 229 50,000 SH   SOLE   0 0 50,000
ABBOTT LABS COM 002824100 339 2,860 SH   SOLE   0 0 2,860
ALAMOS GOLD INC NEW COM CL A 011532108 160 19,000 SH   SOLE   0 0 19,000
ALPHABET INC CAP STK CL C 02079K107 1,084 388 SH   SOLE   0 0 388
ALPHABET INC CAP STK CL A 02079K305 871 313 SH   SOLE   0 0 313
AMAZON COM INC COM 023135106 1,464 449 SH   SOLE   0 0 449
AMETEK INC COM 031100100 249 1,873 SH   SOLE   0 0 1,873
ANALOG DEVICES INC COM 032654105 306 1,850 SH   SOLE   0 0 1,850
APPLE INC COM 037833100 6,333 36,271 SH   SOLE   0 0 36,271
BECTON DICKINSON & CO COM 075887109 221 831 SH   SOLE   0 0 831
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 565 1,602 SH   SOLE   0 0 1,602
CACI INTL INC CL A 127190304 241 801 SH   SOLE   0 0 801
CENOVUS ENERGY INC COM 15135U109 209 12,500 SH   SOLE   0 0 12,500
CHEVRON CORP NEW COM 166764100 233 1,430 SH   SOLE   0 0 1,430
CISCO SYS INC COM 17275R102 273 4,888 SH   SOLE   0 0 4,888
CITIZENS & NORTHN CORP COM 172922106 269 11,015 SH   SOLE   0 0 11,015
DBX ETF TR XTRACK USD HIGH 233051432 891 23,630 SH   SOLE   0 0 23,630
DARDEN RESTAURANTS INC COM 237194105 206 1,550 SH   SOLE   0 0 1,550
DISNEY WALT CO COM 254687106 213 1,551 SH   SOLE   0 0 1,551
EXXON MOBIL CORP COM 30231G102 277 3,357 SH   SOLE   0 0 3,357
META PLATFORMS INC CL A 30303M102 270 1,215 SH   SOLE   0 0 1,215
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 265 8,176 SH   SOLE   0 0 8,176
GLOBAL X FDS US PFD ETF 37954Y657 14,246 606,212 SH   SOLE   0 0 606,212
HOME DEPOT INC COM 437076102 263 880 SH   SOLE   0 0 880
HONEYWELL INTL INC COM 438516106 556 2,858 SH   SOLE   0 0 2,858
HUNTINGTON BANCSHARES INC COM 446150104 575 39,354 SH   SOLE   0 0 39,354
INTEL CORP COM 458140100 240 4,839 SH   SOLE   0 0 4,839
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 390 1,109 SH   SOLE   0 0 1,109
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 494 3,131 SH   SOLE   0 0 3,131
ISHARES INC EM MKT SM-CP ETF 464286475 813 14,257 SH   SOLE   0 0 14,257
ISHARES TR S&P 100 ETF 464287101 280 1,345 SH   SOLE   0 0 1,345
ISHARES TR SELECT DIVID ETF 464287168 1,282 10,006 SH   SOLE   0 0 10,006
ISHARES TR CORE S&P500 ETF 464287200 1,869 4,119 SH   SOLE   0 0 4,119
ISHARES TR CORE US AGGBD ET 464287226 3,486 32,553 SH   SOLE   0 0 32,553
ISHARES TR IBOXX INV CP ETF 464287242 528 4,369 SH   SOLE   0 0 4,369
ISHARES TR S&P 500 GRWT ETF 464287309 2,861 37,452 SH   SOLE   0 0 37,452
ISHARES TR S&P 500 VAL ETF 464287408 1,704 10,941 SH   SOLE   0 0 10,941
ISHARES TR RUS MID CAP ETF 464287499 471 6,032 SH   SOLE   0 0 6,032
ISHARES TR CORE S&P MCP ETF 464287507 1,871 6,974 SH   SOLE   0 0 6,974
ISHARES TR S&P MC 400GR ETF 464287606 456 5,900 SH   SOLE   0 0 5,900
ISHARES TR RUS 1000 ETF 464287622 528 2,110 SH   SOLE   0 0 2,110
ISHARES TR RUSSELL 2000 ETF 464287655 342 1,668 SH   SOLE   0 0 1,668
ISHARES TR S&P MC 400VL ETF 464287705 696 6,350 SH   SOLE   0 0 6,350
ISHARES TR CORE S&P SCP ETF 464287804 1,840 17,058 SH   SOLE   0 0 17,058
ISHARES TR SP SMCP600VL ETF 464287879 326 3,180 SH   SOLE   0 0 3,180
ISHARES TR S&P SML 600 GWT 464287887 269 2,150 SH   SOLE   0 0 2,150
ISHARES TR EAFE SML CP ETF 464288273 386 5,812 SH   SOLE   0 0 5,812
ISHARES TR JPMORGAN USD EMG 464288281 408 4,176 SH   SOLE   0 0 4,176
ISHARES TR CRE U S REIT ETF 464288521 3,948 61,061 SH   SOLE   0 0 61,061
ISHARES TR PFD AND INCM SEC 464288687 483 13,251 SH   SOLE   0 0 13,251
ISHARES TR MICRO-CAP ETF 464288869 214 1,659 SH   SOLE   0 0 1,659
ISHARES TR RUS TP200 VL ETF 464289420 655 9,398 SH   SOLE   0 0 9,398
ISHARES TR RUS TP200 GR ETF 464289438 545 3,430 SH   SOLE   0 0 3,430
ISHARES TR CORE HIGH DV ETF 46429B663 1,602 14,989 SH   SOLE   0 0 14,989
ISHARES TR 0-5 YR TIPS ETF 46429B747 712 6,782 SH   SOLE   0 0 6,782
ISHARES TR CORE DIV GRWTH 46434V621 1,139 21,331 SH   SOLE   0 0 21,331
ISHARES TR CORE INTL AGGR 46435G672 206 3,943 SH   SOLE   0 0 3,943
ISHARES TR BROAD USD HIGH 46435U853 491 12,624 SH   SOLE   0 0 12,624
JPMORGAN CHASE & CO COM 46625H100 476 3,494 SH   SOLE   0 0 3,494
JOHNSON & JOHNSON COM 478160104 418 2,356 SH   SOLE   0 0 2,356
KEYCORP COM 493267108 237 10,609 SH   SOLE   0 0 10,609
MARSH & MCLENNAN COS INC COM 571748102 553 3,244 SH   SOLE   0 0 3,244
MARRIOTT INTL INC NEW CL A 571903202 227 1,293 SH   SOLE   0 0 1,293
MASTERCARD INCORPORATED CL A 57636Q104 536 1,500 SH   SOLE   0 0 1,500
MCDONALDS CORP COM 580135101 200 810 SH   SOLE   0 0 810
MERCK & CO INC COM 58933Y105 213 2,598 SH   SOLE   0 0 2,598
MICROSOFT CORP COM 594918104 1,969 6,386 SH   SOLE   0 0 6,386
NETFLIX INC COM 64110L106 246 657 SH   SOLE   0 0 657
NEW GOLD INC CDA COM 644535106 22 12,000 SH   SOLE   0 0 12,000
NIKE INC CL B 654106103 344 2,559 SH   SOLE   0 0 2,559
NORDSON CORP COM 655663102 250 1,100 SH   SOLE   0 0 1,100
NVIDIA CORPORATION COM 67066G104 286 1,049 SH   SOLE   0 0 1,049
PAYCHEX INC COM 704326107 255 1,865 SH   SOLE   0 0 1,865
PEPSICO INC COM 713448108 343 2,052 SH   SOLE   0 0 2,052
PROCTER AND GAMBLE CO COM 742718109 333 2,179 SH   SOLE   0 0 2,179
PROGRESSIVE CORP COM 743315103 399 3,500 SH   SOLE   0 0 3,500
RAYMOND JAMES FINL INC COM 754730109 321 2,925 SH   SOLE   0 0 2,925
ROCKWELL AUTOMATION INC COM 773903109 211 753 SH   SOLE   0 0 753
SPDR S&P 500 ETF TR TR UNIT 78462F103 502 1,112 SH   SOLE   0 0 1,112
SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301 200 1,822 SH   SOLE   0 0 1,822
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 5,196 134,484 SH   SOLE   0 0 134,484
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 4,284 75,594 SH   SOLE   0 0 75,594
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 1,473 43,190 SH   SOLE   0 0 43,190
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 4,552 132,775 SH   SOLE   0 0 132,775
SPDR SER TR PORTFOLIO SHORT 78464A474 1,867 61,953 SH   SOLE   0 0 61,953
SPDR SER TR DJ REIT ETF 78464A607 746 6,361 SH   SOLE   0 0 6,361
SPDR SER TR PORTFLI TIPS ETF 78464A656 456 15,082 SH   SOLE   0 0 15,082
SPDR SER TR PORTFOLIO S&P400 78464A847 3,471 73,606 SH   SOLE   0 0 73,606
SPDR SER TR PORTFOLIO S&P500 78464A854 14,846 279,420 SH   SOLE   0 0 279,420
SPDR SER TR BLOOMBERG INVT 78468R200 7,480 245,315 SH   SOLE   0 0 245,315
SPDR SER TR PORTFLI HIGH YLD 78468R606 11,696 465,973 SH   SOLE   0 0 465,973
SPDR SER TR PRTFLO S&P500 HI 78468R788 935 21,282 SH   SOLE   0 0 21,282
SPDR SER TR PORTFOLIO S&P600 78468R853 3,477 82,657 SH   SOLE   0 0 82,657
SCHWAB CHARLES CORP COM 808513105 5,005 59,366 SH   SOLE   0 0 59,366
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 355 6,654 SH   SOLE   0 0 6,654
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 43,892 815,075 SH   SOLE   0 0 815,075
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 5,127 68,524 SH   SOLE   0 0 68,524
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 11,240 148,171 SH   SOLE   0 0 148,171
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 14,563 307,500 SH   SOLE   0 0 307,500
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 15,061 542,363 SH   SOLE   0 0 542,363
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 1,335 30,315 SH   SOLE   0 0 30,315
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 29,453 373,342 SH   SOLE   0 0 373,342
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 30,403 827,972 SH   SOLE   0 0 827,972
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 24,150 477,561 SH   SOLE   0 0 477,561
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,097 44,068 SH   SOLE   0 0 44,068
SCHWAB STRATEGIC TR US TIPS ETF 808524870 10,952 180,399 SH   SOLE   0 0 180,399
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 10,544 277,684 SH   SOLE   0 0 277,684
SHERWIN WILLIAMS CO COM 824348106 944 3,783 SH   SOLE   0 0 3,783
SYSCO CORP COM 871829107 229 2,806 SH   SOLE   0 0 2,806
TELEFLEX INCORPORATED COM 879369106 222 625 SH   SOLE   0 0 625
THERMO FISHER SCIENTIFIC INC COM 883556102 447 756 SH   SOLE   0 0 756
UNITEDHEALTH GROUP INC COM 91324P102 204 400 SH   SOLE   0 0 400
VANECK ETF TRUST INVESTMENT GRD 92189F486 1,653 65,838 SH   SOLE   0 0 65,838
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 30,760 189,692 SH   SOLE   0 0 189,692
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 12,371 257,570 SH   SOLE   0 0 257,570
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 3,575 51,174 SH   SOLE   0 0 51,174
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 10,611 207,213 SH   SOLE   0 0 207,213
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 3,733 71,181 SH   SOLE   0 0 71,181
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 5,262 101,281 SH   SOLE   0 0 101,281
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 4,888 39,458 SH   SOLE   0 0 39,458
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 977 16,964 SH   SOLE   0 0 16,964
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 518 11,229 SH   SOLE   0 0 11,229
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 24,413 312,621 SH   SOLE   0 0 312,621
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 284 3,984 SH   SOLE   0 0 3,984
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,747 6,617 SH   SOLE   0 0 6,617
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 13,634 125,808 SH   SOLE   0 0 125,808
VANGUARD INDEX FDS MID CAP ETF 922908629 1,036 4,356 SH   SOLE   0 0 4,356
VANGUARD INDEX FDS LARGE CAP ETF 922908637 2,138 10,257 SH   SOLE   0 0 10,257
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,509 9,111 SH   SOLE   0 0 9,111
VANGUARD INDEX FDS GROWTH ETF 922908736 19,970 69,435 SH   SOLE   0 0 69,435
VANGUARD INDEX FDS SMALL CP ETF 922908751 27,429 129,065 SH   SOLE   0 0 129,065
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,396 14,918 SH   SOLE   0 0 14,918
WEC ENERGY GROUP INC COM 92939U106 212 2,121 SH   SOLE   0 0 2,121
WABTEC COM 929740108 671 6,981 SH   SOLE   0 0 6,981
WISDOMTREE TR INDIA ERNGS FD 97717W422 346 9,598 SH   SOLE   0 0 9,598
WORKHORSE GROUP INC COM NEW 98138J206 85 17,000 SH   SOLE   0 0 17,000