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
3M CO COM 88579Y101 453 3,502 SH   SOLE   3,502 0 0
ABBOTT LABS COM 002824100 1,040 9,572 SH   SOLE   9,572 0 0
ABBVIE INC COM 00287Y109 1,186 7,743 SH   SOLE   7,743 0 0
ABERDEEN TOTAL DYNAMIC DIVD COM SH BEN INT 00326L100 130 16,141 SH   SOLE   16,141 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 314 857 SH   SOLE   857 0 0
ADVANCED MICRO DEVICES INC COM 007903107 1,135 14,843 SH   SOLE   14,843 0 0
AIR PRODS & CHEMS INC COM 009158106 271 1,125 SH   SOLE   1,125 0 0
ALBEMARLE CORP COM 012653101 517 2,476 SH   SOLE   2,476 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 441 3,878 SH   SOLE   3,878 0 0
ALPHABET INC CAP STK CL A 02079K305 1,934 888 SH   SOLE   888 0 0
ALPHABET INC CAP STK CL C 02079K107 1,582 723 SH   SOLE   723 0 0
ALTRIA GROUP INC COM 02209S103 401 9,597 SH   SOLE   9,597 0 0
AMAZON COM INC COM 023135106 1,813 17,067 SH   SOLE   17,067 0 0
AMGEN INC COM 031162100 384 1,578 SH   SOLE   1,578 0 0
ANNALY CAPITAL MANAGEMENT IN COM 035710409 154 26,060 SH   SOLE   26,060 0 0
APPLE INC COM 037833100 4,150 30,353 SH   SOLE   30,353 0 0
APPLIED MATLS INC COM 038222105 911 10,013 SH   SOLE   10,013 0 0
AT&T INC COM 00206R102 403 19,226 SH   SOLE   19,226 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 237 1,126 SH   SOLE   1,126 0 0
AUTOZONE INC COM 053332102 256 119 SH   SOLE   119 0 0
B2GOLD CORP COM 11777Q209 38 11,127 SH   SOLE   11,127 0 0
BHP GROUP LTD SPONSORED ADS 088606108 279 4,975 SH   SOLE   4,975 0 0
BK OF AMERICA CORP COM 060505104 406 13,029 SH   SOLE   13,029 0 0
BLACKROCK ENHANCED INTL DIV COM BENE INTER 092524107 167 32,945 SH   SOLE   32,945 0 0
BLACKROCK MUN TARGET TERM TR COM SHS BEN IN 09257P105 574 25,907 SH   SOLE   25,907 0 0
BLACKROCK MUNIYILD QULT FD I COM 09254F100 159 12,505 SH   SOLE   12,505 0 0
BLACKROCK TAX MUNICPAL BD TR SHS 09248X100 233 12,150 SH   SOLE   12,150 0 0
BOEING CO COM 097023105 315 2,304 SH   SOLE   2,304 0 0
BP PLC SPONSORED ADR 055622104 231 8,139 SH   SOLE   8,139 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 544 7,068 SH   SOLE   7,068 0 0
BROOKDALE SR LIVING INC COM 112463104 57 12,469 SH   SOLE   12,469 0 0
CAMPBELL SOUP CO COM 134429109 489 10,185 SH   SOLE   10,185 0 0
CANADIAN PAC RY LTD COM 13645T100 221 3,163 SH   SOLE   3,163 0 0
CHEVRON CORP NEW COM 166764100 784 5,415 SH   SOLE   5,415 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105 608 465 SH   SOLE   465 0 0
CISCO SYS INC COM 17275R102 381 8,937 SH   SOLE   8,937 0 0
CITIGROUP INC COM NEW 172967424 218 4,740 SH   SOLE   4,740 0 0
CLOROX CO DEL COM 189054109 215 1,527 SH   SOLE   1,527 0 0
COCA COLA CO COM 191216100 1,286 20,444 SH   SOLE   20,444 0 0
COGNEX CORP COM 192422103 213 5,000 SH   SOLE   5,000 0 0
COMCAST CORP NEW CL A 20030N101 216 5,505 SH   SOLE   5,505 0 0
CONAGRA BRANDS INC COM 205887102 221 6,441 SH   SOLE   6,441 0 0
CONOCOPHILLIPS COM 20825C104 527 5,869 SH   SOLE   5,869 0 0
CONSTELLATION BRANDS INC CL A 21036P108 247 1,059 SH   SOLE   1,059 0 0
COSTCO WHSL CORP NEW COM 22160K105 544 1,136 SH   SOLE   1,136 0 0
CSX CORP COM 126408103 458 15,762 SH   SOLE   15,762 0 0
CVS HEALTH CORP COM 126650100 455 4,916 SH   SOLE   4,916 0 0
DANAHER CORPORATION COM 235851102 368 1,452 SH   SOLE   1,452 0 0
DISNEY WALT CO COM 254687106 998 10,571 SH   SOLE   10,571 0 0
DOLLAR GEN CORP NEW COM 256677105 315 1,284 SH   SOLE   1,284 0 0
DOMINION ENERGY INC COM 25746U109 321 4,025 SH   SOLE   4,025 0 0
DRIVE SHACK INC COM 262077100 86 62,871 SH   SOLE   62,871 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 2,123 19,799 SH   SOLE   19,799 0 0
EATON VANCE RISK-MANAGED DIV COM 27829G106 267 31,886 SH   SOLE   31,886 0 0
ELEVANCE HEALTH INC COM 036752103 216 448 SH   SOLE   448 0 0
EMERSON ELEC CO COM 291011104 215 2,706 SH   SOLE   2,706 0 0
ENBRIDGE INC COM 29250N105 294 6,949 SH   SOLE   6,949 0 0
EOG RES INC COM 26875P101 273 2,473 SH   SOLE   2,473 0 0
EQUITY RESIDENTIAL SH BEN INT 29476L107 334 4,630 SH   SOLE   4,630 0 0
EXELON CORP COM 30161N101 319 7,047 SH   SOLE   7,047 0 0
EXXON MOBIL CORP COM 30231G102 841 9,822 SH   SOLE   9,822 0 0
FEDEX CORP COM 31428X106 211 932 SH   SOLE   932 0 0
FORD MTR CO DEL COM 345370860 201 18,062 SH   SOLE   18,062 0 0
GALLAGHER ARTHUR J & CO COM 363576109 301 1,848 SH   SOLE   1,848 0 0
GENERAL MLS INC COM 370334104 355 4,708 SH   SOLE   4,708 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 1,583 15,859 SH   SOLE   15,859 0 0
HOME DEPOT INC COM 437076102 2,177 7,938 SH   SOLE   7,938 0 0
HONEYWELL INTL INC COM 438516106 1,467 8,442 SH   SOLE   8,442 0 0
HP INC COM 40434L105 216 6,585 SH   SOLE   6,585 0 0
IMPERIAL PETE INC COMMON SHARES Y3894J104 4 10,000 SH   SOLE   10,000 0 0
INTEL CORP COM 458140100 639 17,082 SH   SOLE   17,082 0 0
INTUIT COM 461202103 308 799 SH   SOLE   799 0 0
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 350 14,940 SH   SOLE   14,940 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 257 916 SH   SOLE   916 0 0
INVESCO QUALITY MUN INCOME T COM 46133G107 142 13,912 SH   SOLE   13,912 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 225 6,953 SH   SOLE   6,953 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 576 5,682 SH   SOLE   5,682 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 518 12,771 SH   SOLE   12,771 0 0
ISHARES TR 10-20 YR TRS ETF 464288653 367 3,057 SH   SOLE   3,057 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 297 2,486 SH   SOLE   2,486 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 510 5,079 SH   SOLE   5,079 0 0
ISHARES TR CORE S&P SCP ETF 464287804 309 3,346 SH   SOLE   3,346 0 0
ISHARES TR CORE S&P500 ETF 464287200 2,391 6,305 SH   SOLE   6,305 0 0
ISHARES TR CORE TOTAL USD 46434V613 1,485 31,723 SH   SOLE   31,723 0 0
ISHARES TR CORE US AGGBD ET 464287226 586 5,763 SH   SOLE   5,763 0 0
ISHARES TR EAFE GRWTH ETF 464288885 459 5,702 SH   SOLE   5,702 0 0
ISHARES TR EAFE VALUE ETF 464288877 959 22,099 SH   SOLE   22,099 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 1,196 14,259 SH   SOLE   14,259 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 959 18,980 SH   SOLE   18,980 0 0
ISHARES TR MBS ETF 464288588 497 5,102 SH   SOLE   5,102 0 0
ISHARES TR MSCI EAFE ETF 464287465 256 4,097 SH   SOLE   4,097 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 693 9,876 SH   SOLE   9,876 0 0
ISHARES TR NATIONAL MUN ETF 464288414 653 6,135 SH   SOLE   6,135 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 365 2,153 SH   SOLE   2,153 0 0
ISHARES TR TIPS BD ETF 464287176 1,024 8,988 SH   SOLE   8,988 0 0
ISHARES TR US TREAS BD ETF 46429B267 1,923 80,478 SH   SOLE   80,478 0 0
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 531 12,963 SH   SOLE   12,963 0 0
JOHNSON & JOHNSON COM 478160104 1,391 7,837 SH   SOLE   7,837 0 0
JPMORGAN CHASE & CO COM 46625H100 756 6,718 SH   SOLE   6,718 0 0
LILLY ELI & CO COM 532457108 338 1,044 SH   SOLE   1,044 0 0
M & T BK CORP COM 55261F104 268 1,680 SH   SOLE   1,680 0 0
MARATHON PETE CORP COM 56585A102 250 3,037 SH   SOLE   3,037 0 0
MASTERCARD INCORPORATED CL A 57636Q104 296 937 SH   SOLE   937 0 0
MCDONALDS CORP COM 580135101 1,409 5,708 SH   SOLE   5,708 0 0
MEDTRONIC PLC SHS G5960L103 288 3,206 SH   SOLE   3,206 0 0
MERCK & CO INC COM 58933Y105 649 7,122 SH   SOLE   7,122 0 0
META PLATFORMS INC CL A 30303M102 410 2,544 SH   SOLE   2,544 0 0
MICRON TECHNOLOGY INC COM 595112103 349 6,311 SH   SOLE   6,311 0 0
MICROSOFT CORP COM 594918104 4,271 16,629 SH   SOLE   16,629 0 0
NEUBERGER BERMAN MLP & ENERG COM 64129H104 76 12,700 SH   SOLE   12,700 0 0
NEWMONT CORP COM 651639106 423 7,092 SH   SOLE   7,092 0 0
NEXPOINT RESIDENTIAL TR INC COM 65341D102 275 4,395 SH   SOLE   4,395 0 0
NEXTERA ENERGY INC COM 65339F101 1,211 15,637 SH   SOLE   15,637 0 0
NORFOLK SOUTHN CORP COM 655844108 600 2,641 SH   SOLE   2,641 0 0
NUVEEN AMT FREE QLTY MUN INC COM 670657105 368 31,321 SH   SOLE   31,321 0 0
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100 145 10,560 SH   SOLE   10,560 0 0
NVIDIA CORPORATION COM 67066G104 1,561 10,298 SH   SOLE   10,298 0 0
PARKER-HANNIFIN CORP COM 701094104 281 1,142 SH   SOLE   1,142 0 0
PAYCHEX INC COM 704326107 453 3,977 SH   SOLE   3,977 0 0
PAYPAL HLDGS INC COM 70450Y103 367 5,252 SH   SOLE   5,252 0 0
PEPSICO INC COM 713448108 978 5,870 SH   SOLE   5,870 0 0
PFIZER INC COM 717081103 756 14,410 SH   SOLE   14,410 0 0
PHILIP MORRIS INTL INC COM 718172109 345 3,497 SH   SOLE   3,497 0 0
PHILLIPS 66 COM 718546104 385 4,690 SH   SOLE   4,690 0 0
PPG INDS INC COM 693506107 472 4,124 SH   SOLE   4,124 0 0
PROCTER AND GAMBLE CO COM 742718109 1,556 10,819 SH   SOLE   10,819 0 0
PUBLIC STORAGE COM 74460D109 480 1,534 SH   SOLE   1,534 0 0
PUTNAM MUN OPPORTUNITIES TR SH BEN INT 746922103 170 14,428 SH   SOLE   14,428 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 480 4,991 SH   SOLE   4,991 0 0
REALTY INCOME CORP COM 756109104 259 3,787 SH   SOLE   3,787 0 0
REPUBLIC SVCS INC COM 760759100 331 2,530 SH   SOLE   2,530 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 580 22,864 SH   SOLE   22,864 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,301 41,377 SH   SOLE   41,377 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 942 18,259 SH   SOLE   18,259 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 10,481 213,081 SH   SOLE   213,081 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 431 9,012 SH   SOLE   9,012 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 6,532 147,814 SH   SOLE   147,814 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 358 4,995 SH   SOLE   4,995 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 3,517 78,742 SH   SOLE   78,742 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 514 9,213 SH   SOLE   9,213 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 486 6,796 SH   SOLE   6,796 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1,148 36,503 SH   SOLE   36,503 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 270 2,107 SH   SOLE   2,107 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 1,083 12,399 SH   SOLE   12,399 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 434 6,190 SH   SOLE   6,190 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 2,370 18,640 SH   SOLE   18,640 0 0
SHELL PLC SPON ADS 780259305 386 7,386 SH   SOLE   7,386 0 0
SIRIUS XM HOLDINGS INC COM 82968B103 117 19,138 SH   SOLE   19,138 0 0
SNAP INC CL A 83304A106 188 14,355 SH   SOLE   14,355 0 0
SOUTHERN CO COM 842587107 743 10,419 SH   SOLE   10,419 0 0
SOUTHWEST AIRLS CO COM 844741108 404 11,174 SH   SOLE   11,174 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 320 1,039 SH   SOLE   1,039 0 0
SPDR GOLD TR GOLD SHS 78463V107 240 1,423 SH   SOLE   1,423 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 10,175 26,972 SH   SOLE   26,972 0 0
SPDR SER TR BLOOMBERG INVT 78468R200 577 19,162 SH   SOLE   19,162 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721 203 4,421 SH   SOLE   4,421 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 210 4,435 SH   SOLE   4,435 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805 291 6,250 SH   SOLE   6,250 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 871 29,566 SH   SOLE   29,566 0 0
SPDR SER TR S&P OILGAS EXP 78468R556 299 2,506 SH   SOLE   2,506 0 0
SPLUNK INC COM 848637104 434 4,909 SH   SOLE   4,909 0 0
STARBUCKS CORP COM 855244109 305 3,999 SH   SOLE   3,999 0 0
SYSCO CORP COM 871829107 227 2,683 SH   SOLE   2,683 0 0
TESLA INC COM 88160R101 300 445 SH   SOLE   445 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 217 3,312 SH   SOLE   3,312 0 0
TRI CONTL CORP COM 895436103 904 34,525 SH   SOLE   34,525 0 0
TRUIST FINL CORP COM 89832Q109 587 12,380 SH   SOLE   12,380 0 0
TWITTER INC COM 90184L102 259 6,926 SH   SOLE   6,926 0 0
TWO HBRS INVT CORP COM NEW 90187B408 57 11,490 SH   SOLE   11,490 0 0
UNION PAC CORP COM 907818108 500 2,346 SH   SOLE   2,346 0 0
UNITED PARCEL SERVICE INC CL B 911312106 608 3,331 SH   SOLE   3,331 0 0
UNITEDHEALTH GROUP INC COM 91324P102 732 1,424 SH   SOLE   1,424 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106 213 7,784 SH   SOLE   7,784 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 611 8,125 SH   SOLE   8,125 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,061 10,928 SH   SOLE   10,928 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 866 10,144 SH   SOLE   10,144 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,877 77,362 SH   SOLE   77,362 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 369 7,382 SH   SOLE   7,382 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 295 6,176 SH   SOLE   6,176 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 1,175 19,962 SH   SOLE   19,962 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,033 7,200 SH   SOLE   7,200 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,130 21,887 SH   SOLE   21,887 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 687 13,546 SH   SOLE   13,546 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 231 6,098 SH   SOLE   6,098 0 0
WALMART INC COM 931142103 1,906 15,677 SH   SOLE   15,677 0 0
WASTE MGMT INC DEL COM 94106L109 541 3,538 SH   SOLE   3,538 0 0
WEC ENERGY GROUP INC COM 92939U106 348 3,454 SH   SOLE   3,454 0 0
WELLS FARGO CO NEW COM 949746101 270 6,890 SH   SOLE   6,890 0 0