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 230 859 SH   SOLE   0 0 859
SFL CORPORATION LTD SHS G7738W106 91 10,000 SH   SOLE   0 0 10,000
STERIS PLC SHS USD G8473T100 351 2,112 SH   SOLE   0 0 2,112
TRANSOCEAN LTD REG SHS H8817H100 173 70,000 SH   SOLE   0 0 70,000
ALAMOS GOLD INC NEW COM CL A 011532108 193 26,000 SH   SOLE   0 0 26,000
ALBEMARLE CORP COM 012653101 395 1,492 SH   SOLE   0 0 1,492
ALPHABET INC CAP STK CL C 02079K107 746 7,760 SH   SOLE   0 0 7,760
ALPHABET INC CAP STK CL A 02079K305 599 6,261 SH   SOLE   0 0 6,261
AMAZON COM INC COM 023135106 931 8,235 SH   SOLE   0 0 8,235
AMETEK INC COM 031100100 212 1,873 SH   SOLE   0 0 1,873
ANALOG DEVICES INC COM 032654105 258 1,850 SH   SOLE   0 0 1,850
APPLE INC COM 037833100 4,635 33,537 SH   SOLE   0 0 33,537
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 419 1,568 SH   SOLE   0 0 1,568
CACI INTL INC CL A 127190304 209 801 SH   SOLE   0 0 801
CENOVUS ENERGY INC COM 15135U109 192 12,500 SH   SOLE   0 0 12,500
CHENIERE ENERGY INC COM NEW 16411R208 221 1,335 SH   SOLE   0 0 1,335
CHEVRON CORP NEW COM 166764100 263 1,834 SH   SOLE   0 0 1,834
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 348 8,958 SH   SOLE   0 0 8,958
EQUINOX GOLD CORP COM 29446Y502 84 23,100 SH   SOLE   0 0 23,100
EXXON MOBIL CORP COM 30231G102 337 3,857 SH   SOLE   0 0 3,857
GLOBAL X FDS US PFD ETF 37954Y657 13,424 654,493 SH   SOLE   0 0 654,493
HECLA MNG CO COM 422704106 47 12,000 SH   SOLE   0 0 12,000
HONEYWELL INTL INC COM 438516106 448 2,682 SH   SOLE   0 0 2,682
HUNTINGTON BANCSHARES INC COM 446150104 500 37,962 SH   SOLE   0 0 37,962
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 299 1,109 SH   SOLE   0 0 1,109
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 399 3,131 SH   SOLE   0 0 3,131
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510 235 10,280 SH   SOLE   0 0 10,280
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528 240 10,070 SH   SOLE   0 0 10,070
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 528 28,306 SH   SOLE   0 0 28,306
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 857 42,968 SH   SOLE   0 0 42,968
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 1,298 63,658 SH   SOLE   0 0 63,658
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 865 41,444 SH   SOLE   0 0 41,444
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 332 15,655 SH   SOLE   0 0 15,655
ISHARES INC EM MKT SM-CP ETF 464286475 300 6,605 SH   SOLE   0 0 6,605
ISHARES TR S&P 100 ETF 464287101 267 1,645 SH   SOLE   0 0 1,645
ISHARES TR SELECT DIVID ETF 464287168 1,073 10,006 SH   SOLE   0 0 10,006
ISHARES TR CORE S&P500 ETF 464287200 1,469 4,097 SH   SOLE   0 0 4,097
ISHARES TR CORE US AGGBD ET 464287226 2,828 29,358 SH   SOLE   0 0 29,358
ISHARES TR IBOXX INV CP ETF 464287242 318 3,105 SH   SOLE   0 0 3,105
ISHARES TR S&P 500 GRWT ETF 464287309 1,994 34,472 SH   SOLE   0 0 34,472
ISHARES TR S&P 500 VAL ETF 464287408 1,302 10,128 SH   SOLE   0 0 10,128
ISHARES TR RUS MID CAP ETF 464287499 375 6,032 SH   SOLE   0 0 6,032
ISHARES TR CORE S&P MCP ETF 464287507 1,548 7,060 SH   SOLE   0 0 7,060
ISHARES TR S&P MC 400GR ETF 464287606 372 5,900 SH   SOLE   0 0 5,900
ISHARES TR RUS 1000 ETF 464287622 416 2,110 SH   SOLE   0 0 2,110
ISHARES TR RUSSELL 2000 ETF 464287655 252 1,525 SH   SOLE   0 0 1,525
ISHARES TR S&P MC 400VL ETF 464287705 572 6,350 SH   SOLE   0 0 6,350
ISHARES TR CORE S&P SCP ETF 464287804 1,487 17,050 SH   SOLE   0 0 17,050
ISHARES TR SP SMCP600VL ETF 464287879 262 3,180 SH   SOLE   0 0 3,180
ISHARES TR S&P SML 600 GWT 464287887 219 2,150 SH   SOLE   0 0 2,150
ISHARES TR EAFE SML CP ETF 464288273 284 5,812 SH   SOLE   0 0 5,812
ISHARES TR CRE U S REIT ETF 464288521 2,015 42,428 SH   SOLE   0 0 42,428
ISHARES TR PFD AND INCM SEC 464288687 1,159 36,590 SH   SOLE   0 0 36,590
ISHARES TR MRNING SM CP ETF 464288703 470 9,892 SH   SOLE   0 0 9,892
ISHARES TR RUS TP200 VL ETF 464289420 542 9,398 SH   SOLE   0 0 9,398
ISHARES TR RUS TP200 GR ETF 464289438 410 3,430 SH   SOLE   0 0 3,430
ISHARES TR CORE HIGH DV ETF 46429B663 3,315 36,318 SH   SOLE   0 0 36,318
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,115 11,604 SH   SOLE   0 0 11,604
ISHARES TR CORE DIV GRWTH 46434V621 2,222 49,968 SH   SOLE   0 0 49,968
ISHARES TR INTL DIV GRWTH 46435G524 791 15,618 SH   SOLE   0 0 15,618
ISHARES TR CORE INTL AGGR 46435G672 758 15,695 SH   SOLE   0 0 15,695
ISHARES TR BROAD USD HIGH 46435U853 721 21,441 SH   SOLE   0 0 21,441
JPMORGAN CHASE & CO COM 46625H100 365 3,494 SH   SOLE   0 0 3,494
JOHNSON & JOHNSON COM 478160104 361 2,211 SH   SOLE   0 0 2,211
KEYCORP COM 493267108 170 10,609 SH   SOLE   0 0 10,609
MARSH & MCLENNAN COS INC COM 571748102 484 3,244 SH   SOLE   0 0 3,244
MASTERCARD INCORPORATED CL A 57636Q104 355 1,250 SH   SOLE   0 0 1,250
MERCK & CO INC COM 58933Y105 218 2,531 SH   SOLE   0 0 2,531
MICROSOFT CORP COM 594918104 1,596 6,851 SH   SOLE   0 0 6,851
NEW GOLD INC CDA COM 644535106 18 21,000 SH   SOLE   0 0 21,000
NIKE INC CL B 654106103 213 2,559 SH   SOLE   0 0 2,559
NORDSON CORP COM 655663102 233 1,100 SH   SOLE   0 0 1,100
PAYCHEX INC COM 704326107 209 1,865 SH   SOLE   0 0 1,865
PEPSICO INC COM 713448108 274 1,679 SH   SOLE   0 0 1,679
PROCTER AND GAMBLE CO COM 742718109 225 1,783 SH   SOLE   0 0 1,783
PROGRESSIVE CORP COM 743315103 407 3,500 SH   SOLE   0 0 3,500
RAYMOND JAMES FINL INC COM 754730109 289 2,925 SH   SOLE   0 0 2,925
SPDR S&P 500 ETF TR TR UNIT 78462F103 397 1,112 SH   SOLE   0 0 1,112
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,887 60,797 SH   SOLE   0 0 60,797
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 215 4,709 SH   SOLE   0 0 4,709
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 950 39,401 SH   SOLE   0 0 39,401
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 1,663 64,444 SH   SOLE   0 0 64,444
SPDR SER TR PORTFOLIO SHORT 78464A474 2,401 82,159 SH   SOLE   0 0 82,159
SPDR SER TR DJ REIT ETF 78464A607 498 5,908 SH   SOLE   0 0 5,908
SPDR SER TR PORTFLI TIPS ETF 78464A656 1,196 47,155 SH   SOLE   0 0 47,155
SPDR SER TR PORTFOLIO S&P400 78464A847 2,622 68,010 SH   SOLE   0 0 68,010
SPDR SER TR PORTFOLIO S&P500 78464A854 8,983 213,941 SH   SOLE   0 0 213,941
SPDR SER TR BLOOMBERG INVT 78468R200 7,969 263,016 SH   SOLE   0 0 263,016
SPDR SER TR PORTFLI HIGH YLD 78468R606 11,911 545,887 SH   SOLE   0 0 545,887
SPDR SER TR PRTFLO S&P500 HI 78468R788 1,284 36,188 SH   SOLE   0 0 36,188
SPDR SER TR PORTFOLIO S&P600 78468R853 1,897 55,704 SH   SOLE   0 0 55,704
SCHWAB CHARLES CORP COM 808513105 4,536 63,119 SH   SOLE   0 0 63,119
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 261 6,208 SH   SOLE   0 0 6,208
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 27,182 641,839 SH   SOLE   0 0 641,839
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 3,140 56,267 SH   SOLE   0 0 56,267
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 210 3,584 SH   SOLE   0 0 3,584
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 9,586 158,362 SH   SOLE   0 0 158,362
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 7,110 188,091 SH   SOLE   0 0 188,091
SCHWAB STRATEGIC TR INTERNL DIVID 808524672 10,821 540,788 SH   SOLE   0 0 540,788
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,574 204,207 SH   SOLE   0 0 204,207
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 1,049 30,315 SH   SOLE   0 0 30,315
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 37,932 571,012 SH   SOLE   0 0 571,012
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,813 206,633 SH   SOLE   0 0 206,633
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 21,681 478,499 SH   SOLE   0 0 478,499
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,667 89,185 SH   SOLE   0 0 89,185
SCHWAB STRATEGIC TR US TIPS ETF 808524870 9,355 180,602 SH   SOLE   0 0 180,602
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 4,723 170,198 SH   SOLE   0 0 170,198
SHERWIN WILLIAMS CO COM 824348106 1,240 6,055 SH   SOLE   0 0 6,055
THERMO FISHER SCIENTIFIC INC COM 883556102 385 759 SH   SOLE   0 0 759
UNITEDHEALTH GROUP INC COM 91324P102 202 400 SH   SOLE   0 0 400
VANECK ETF TRUST IG FLOATING RATE 92189F486 1,558 62,717 SH   SOLE   0 0 62,717
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 27,606 204,249 SH   SOLE   0 0 204,249
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 12,240 336,630 SH   SOLE   0 0 336,630
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 3,865 40,734 SH   SOLE   0 0 40,734
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 397 7,621 SH   SOLE   0 0 7,621
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 10,784 173,962 SH   SOLE   0 0 173,962
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 9,885 205,464 SH   SOLE   0 0 205,464
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 6,774 141,927 SH   SOLE   0 0 141,927
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 4,093 107,253 SH   SOLE   0 0 107,253
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 8,108 87,360 SH   SOLE   0 0 87,360
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 708 15,969 SH   SOLE   0 0 15,969
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 7,676 210,359 SH   SOLE   0 0 210,359
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 24,085 324,247 SH   SOLE   0 0 324,247
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 216 3,984 SH   SOLE   0 0 3,984
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,120 9,503 SH   SOLE   0 0 9,503
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 12,596 157,114 SH   SOLE   0 0 157,114
VANGUARD INDEX FDS SM CP VAL ETF 922908611 11,407 79,547 SH   SOLE   0 0 79,547
VANGUARD INDEX FDS MID CAP ETF 922908629 783 4,167 SH   SOLE   0 0 4,167
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,678 10,257 SH   SOLE   0 0 10,257
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 987 7,768 SH   SOLE   0 0 7,768
VANGUARD INDEX FDS GROWTH ETF 922908736 18,390 85,955 SH   SOLE   0 0 85,955
VANGUARD INDEX FDS SMALL CP ETF 922908751 20,575 120,384 SH   SOLE   0 0 120,384
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,785 15,518 SH   SOLE   0 0 15,518
WABTEC COM 929740108 533 6,551 SH   SOLE   0 0 6,551
WISDOMTREE TR INDIA ERNGS FD 97717W422 249 8,168 SH   SOLE   0 0 8,168
WORKHORSE GROUP INC COM NEW 98138J206 49 17,000 SH   SOLE   0 0 17,000