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
ABRDN ETFS BBRG ALL COMD K1 003261104 642 22,362 SH   SOLE 0 0 0 22,362
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,283 3,805 SH   SOLE 0 0 0 3,805
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,368 3,002 SH   SOLE 0 0 0 3,002
ALLY FINL INC COM 02005N100 972 22,365 SH   SOLE 0 0 0 22,365
ALPHABET INC CAP STK CL A 02079K305 2,495 897 SH   SOLE 0 0 0 897
ALTRIA GROUP INC COM 02209S103 551 10,540 SH   SOLE 0 0 0 10,540
AMAZON COM INC COM 023135106 1,242 381 SH   SOLE 0 0 0 381
AMERICAN ELEC PWR CO INC COM 025537101 994 9,959 SH   SOLE 0 0 0 9,959
AMERICAN EXPRESS CO COM 025816109 357 1,910 SH   SOLE 0 0 0 1,910
AMERICAN WTR WKS CO INC NEW COM 030420103 629 3,799 SH   SOLE 0 0 0 3,799
AON PLC SHS CL A G0403H108 855 2,625 SH   SOLE 0 0 0 2,625
APPLE INC COM 037833100 5,984 34,268 SH   SOLE 0 0 0 34,268
APPLIED MATLS INC COM 038222105 817 6,195 SH   SOLE 0 0 0 6,195
ARES CAPITAL CORP COM 04010L103 725 34,614 SH   SOLE 0 0 0 34,614
ASML HOLDING N V N Y REGISTRY SHS N07059210 924 1,384 SH   SOLE 0 0 0 1,384
AT&T INC COM 00206R102 656 27,749 SH   SOLE 0 0 0 27,749
AVANGRID INC COM 05351W103 551 11,799 SH   SOLE 0 0 0 11,799
BCE INC COM NEW 05534B760 717 12,920 SH   SOLE 0 0 0 12,920
BECTON DICKINSON & CO COM 075887109 363 1,365 SH   SOLE 0 0 0 1,365
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,359 3,851 SH   SOLE 0 0 0 3,851
BILL COM HLDGS INC COM 090043100 319 1,405 SH   SOLE 0 0 0 1,405
BK OF AMERICA CORP COM 060505104 425 10,308 SH   SOLE 0 0 0 10,308
BLACKSTONE INC COM 09260D107 1,663 13,102 SH   SOLE 0 0 0 13,102
CHARLES RIV LABS INTL INC COM 159864107 749 2,637 SH   SOLE 0 0 0 2,637
CHEVRON CORP NEW COM 166764100 970 5,960 SH   SOLE 0 0 0 5,960
CINCINNATI FINL CORP COM 172062101 931 6,851 SH   SOLE 0 0 0 6,851
CINTAS CORP COM 172908105 1,296 3,046 SH   SOLE 0 0 0 3,046
CISCO SYS INC COM 17275R102 835 14,978 SH   SOLE 0 0 0 14,978
CITIZENS FINL GROUP INC COM 174610105 779 17,176 SH   SOLE 0 0 0 17,176
CME GROUP INC COM 12572Q105 1,070 4,499 SH   SOLE 0 0 0 4,499
COCA COLA CO COM 191216100 1,176 18,965 SH   SOLE 0 0 0 18,965
COMCAST CORP NEW CL A 20030N101 757 16,165 SH   SOLE 0 0 0 16,165
CONOCOPHILLIPS COM 20825C104 587 5,873 SH   SOLE 0 0 0 5,873
COSTCO WHSL CORP NEW COM 22160K105 1,708 2,966 SH   SOLE 0 0 0 2,966
CROWN CASTLE INTL CORP NEW COM 22822V101 754 4,087 SH   SOLE 0 0 0 4,087
DANAHER CORPORATION COM 235851102 801 2,732 SH   SOLE 0 0 0 2,732
DBX ETF TR XTRACK USD HIGH 233051432 2,837 75,199 SH   SOLE 0 0 0 75,199
DISNEY WALT CO COM 254687106 890 6,486 SH   SOLE 0 0 0 6,486
DOMINION ENERGY INC COM 25746U109 664 7,817 SH   SOLE 0 0 0 7,817
DUKE ENERGY CORP NEW COM NEW 26441C204 782 7,000 SH   SOLE 0 0 0 7,000
EDWARDS LIFESCIENCES CORP COM 28176E108 1,019 8,655 SH   SOLE 0 0 0 8,655
EMERSON ELEC CO COM 291011104 914 9,323 SH   SOLE 0 0 0 9,323
ENTERGY CORP NEW COM 29364G103 441 3,781 SH   SOLE 0 0 0 3,781
EQUINIX INC COM 29444U700 453 611 SH   SOLE 0 0 0 611
EVERSOURCE ENERGY COM 30040W108 747 8,474 SH   SOLE 0 0 0 8,474
EXPEDIA GROUP INC COM NEW 30212P303 809 4,132 SH   SOLE 0 0 0 4,132
FIFTH THIRD BANCORP COM 316773100 1,172 27,234 SH   SOLE 0 0 0 27,234
FIRST HORIZON CORPORATION COM 320517105 572 24,365 SH   SOLE 0 0 0 24,365
FIRST TR EXCHANGE TRADED FD US EQTY OPPT ETF 336920103 229 2,098 SH   SOLE 0 0 0 2,098
GALLAGHER ARTHUR J & CO COM 363576109 698 3,999 SH   SOLE 0 0 0 3,999
GENERAL MLS INC COM 370334104 719 10,612 SH   SOLE 0 0 0 10,612
GENUINE PARTS CO COM 372460105 387 3,068 SH   SOLE 0 0 0 3,068
GLOBAL X FDS US PFD ETF 37954Y657 348 14,808 SH   SOLE 0 0 0 14,808
GRACO INC COM 384109104 210 3,019 SH   SOLE 0 0 0 3,019
HANESBRANDS INC COM 410345102 223 14,976 SH   SOLE 0 0 0 14,976
HARTFORD FINL SVCS GROUP INC COM 416515104 1,069 14,887 SH   SOLE 0 0 0 14,887
HCA HEALTHCARE INC COM 40412C101 1,243 4,961 SH   SOLE 0 0 0 4,961
HOME DEPOT INC COM 437076102 1,469 4,908 SH   SOLE 0 0 0 4,908
INTEL CORP COM 458140100 394 7,941 SH   SOLE 0 0 0 7,941
INTERNATIONAL PAPER CO COM 460146103 669 14,495 SH   SOLE 0 0 0 14,495
INTERPUBLIC GROUP COS INC COM 460690100 508 14,333 SH   SOLE 0 0 0 14,333
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 523 24,004 SH   SOLE 0 0 0 24,004
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 304 4,537 SH   SOLE 0 0 0 4,537
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,285 8,150 SH   SOLE 0 0 0 8,150
ISHARES INC CORE MSCI EMKT 46434G103 346 6,224 SH   SOLE 0 0 0 6,224
ISHARES INC JP MRGN EM HI BD 464286285 1,398 35,128 SH   SOLE 0 0 0 35,128
ISHARES INC MSCI GBL MIN VOL 464286525 1,249 11,916 SH   SOLE 0 0 0 11,916
ISHARES TR EAFE VALUE ETF 464288877 433 8,611 SH   SOLE 0 0 0 8,611
ISHARES TR EAFE GRWTH ETF 464288885 270 2,801 SH   SOLE 0 0 0 2,801
ISHARES TR CORE S&P500 ETF 464287200 1,845 4,066 SH   SOLE 0 0 0 4,066
ISHARES TR ESG AWR MSCI USA 46435G425 1,238 12,214 SH   SOLE 0 0 0 12,214
ISHARES TR CORE MSCI EAFE 46432F842 1,770 25,457 SH   SOLE 0 0 0 25,457
ISHARES TR BROAD USD HIGH 46435U853 12,437 320,040 SH   SOLE 0 0 0 320,040
ISHARES TR RUSSELL 2000 ETF 464287655 4,590 22,363 SH   SOLE 0 0 0 22,363
ISHARES TR NATIONAL MUN ETF 464288414 3,327 30,349 SH   SOLE 0 0 0 30,349
ISHARES TR SHRT NAT MUN ETF 464288158 501 4,793 SH   SOLE 0 0 0 4,793
ISHARES TR MSCI USA MIN VOL 46429B697 1,219 15,718 SH   SOLE 0 0 0 15,718
ISHARES TR ESG AW MSCI EAFE 46435G516 1,383 18,760 SH   SOLE 0 0 0 18,760
ISHARES TR CORE TOTAL USD 46434V613 209 4,205 SH   SOLE 0 0 0 4,205
ISHARES TR US TREAS BD ETF 46429B267 214 8,610 SH   SOLE 0 0 0 8,610
ISHARES TR MSCI EAFE MIN VL 46429B689 298 4,136 SH   SOLE 0 0 0 4,136
ISHARES TR PFD AND INCM SEC 464288687 968 26,591 SH   SOLE 0 0 0 26,591
ISHARES TR JPMORGAN USD EMG 464288281 1,724 17,630 SH   SOLE 0 0 0 17,630
ISHARES TR ESG AWR US AGRGT 46435U549 285 5,528 SH   SOLE 0 0 0 5,528
ISHARES TR MSCI KLD400 SOC 464288570 1,916 22,114 SH   SOLE 0 0 0 22,114
ISHARES TR RUS 2000 VAL ETF 464287630 201 1,247 SH   SOLE 0 0 0 1,247
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 296 5,892 SH   SOLE 0 0 0 5,892
JOHNSON & JOHNSON COM 478160104 648 3,658 SH   SOLE 0 0 0 3,658
JPMORGAN CHASE & CO COM 46625H100 1,179 8,649 SH   SOLE 0 0 0 8,649
KEYCORP COM 493267108 835 37,328 SH   SOLE 0 0 0 37,328
L3HARRIS TECHNOLOGIES INC COM 502431109 201 810 SH   SOLE 0 0 0 810
LINDE PLC SHS G5494J103 227 710 SH   SOLE 0 0 0 710
LOCKHEED MARTIN CORP COM 539830109 772 1,749 SH   SOLE 0 0 0 1,749
LOWES COS INC COM 548661107 216 1,068 SH   SOLE 0 0 0 1,068
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 237 2,303 SH   SOLE 0 0 0 2,303
MARATHON PETE CORP COM 56585A102 504 5,890 SH   SOLE 0 0 0 5,890
MASTERCARD INCORPORATED CL A 57636Q104 1,693 4,737 SH   SOLE 0 0 0 4,737
MCDONALDS CORP COM 580135101 946 3,824 SH   SOLE 0 0 0 3,824
MERCK & CO INC COM 58933Y105 885 10,791 SH   SOLE 0 0 0 10,791
META PLATFORMS INC CL A 30303M102 438 1,970 SH   SOLE 0 0 0 1,970
METLIFE INC COM 59156R108 1,103 15,692 SH   SOLE 0 0 0 15,692
METTLER TOLEDO INTERNATIONAL COM 592688105 247 180 SH   SOLE 0 0 0 180
MICROSOFT CORP COM 594918104 5,130 16,639 SH   SOLE 0 0 0 16,639
MID-AMER APT CMNTYS INC COM 59522J103 841 4,013 SH   SOLE 0 0 0 4,013
MOODYS CORP COM 615369105 237 702 SH   SOLE 0 0 0 702
MSCI INC COM 55354G100 263 523 SH   SOLE 0 0 0 523
NATIONAL RETAIL PROPERTIES I COM 637417106 654 14,549 SH   SOLE 0 0 0 14,549
NEWELL BRANDS INC COM 651229106 385 17,980 SH   SOLE 0 0 0 17,980
NEXTERA ENERGY INC COM 65339F101 788 9,300 SH   SOLE 0 0 0 9,300
NEXTERA ENERGY PARTNERS LP COM UNIT PART IN 65341B106 414 4,971 SH   SOLE 0 0 0 4,971
NIKE INC CL B 654106103 850 6,315 SH   SOLE 0 0 0 6,315
NORTHROP GRUMMAN CORP COM 666807102 487 1,090 SH   SOLE 0 0 0 1,090
NVIDIA CORPORATION COM 67066G104 241 883 SH   SOLE 0 0 0 883
NXP SEMICONDUCTORS N V COM N6596X109 823 4,448 SH   SOLE 0 0 0 4,448
OLD DOMINION FREIGHT LINE IN COM 679580100 695 2,327 SH   SOLE 0 0 0 2,327
PAYCHEX INC COM 704326107 1,018 7,461 SH   SOLE 0 0 0 7,461
PEPSICO INC COM 713448108 1,053 6,289 SH   SOLE 0 0 0 6,289
PFIZER INC COM 717081103 930 17,968 SH   SOLE 0 0 0 17,968
PHILIP MORRIS INTL INC COM 718172109 563 5,993 SH   SOLE 0 0 0 5,993
PHILLIPS EDISON & CO INC COMMON STOCK 71844V201 3,128 90,956 SH   SOLE 0 0 0 90,956
PROCTER AND GAMBLE CO COM 742718109 1,071 7,010 SH   SOLE 0 0 0 7,010
PROLOGIS INC. COM 74340W103 1,009 6,248 SH   SOLE 0 0 0 6,248
QUALCOMM INC COM 747525103 1,190 7,785 SH   SOLE 0 0 0 7,785
REALTY INCOME CORP COM 756109104 1,011 14,593 SH   SOLE 0 0 0 14,593
ROPER TECHNOLOGIES INC COM 776696106 734 1,555 SH   SOLE 0 0 0 1,555
S&P GLOBAL INC COM 78409V104 507 1,235 SH   SOLE 0 0 0 1,235
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 648 9,077 SH   SOLE 0 0 0 9,077
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,369 18,300 SH   SOLE 0 0 0 18,300
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 999 20,167 SH   SOLE 0 0 0 20,167
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 7,623 141,562 SH   SOLE 0 0 0 141,562
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,093 44,201 SH   SOLE 0 0 0 44,201
SEMPRA COM 816851109 440 2,619 SH   SOLE 0 0 0 2,619
SHERWIN WILLIAMS CO COM 824348106 952 3,815 SH   SOLE 0 0 0 3,815
SIMON PPTY GROUP INC NEW COM 828806109 201 1,529 SH   SOLE 0 0 0 1,529
SONOCO PRODS CO COM 835495102 619 9,896 SH   SOLE 0 0 0 9,896
SPDR SER TR S&P DIVID ETF 78464A763 765 5,970 SH   SOLE 0 0 0 5,970
SPDR SER TR PORTFOLIO S&P500 78464A854 1,102 20,733 SH   SOLE 0 0 0 20,733
SPDR SER TR NUVEEN BLOOMBERG 78464A284 924 16,751 SH   SOLE 0 0 0 16,751
STARBUCKS CORP COM 855244109 1,107 12,168 SH   SOLE 0 0 0 12,168
T-MOBILE US INC COM 872590104 1,036 8,072 SH   SOLE 0 0 0 8,072
TESLA INC COM 88160R101 261 242 SH   SOLE 0 0 0 242
THERMO FISHER SCIENTIFIC INC COM 883556102 1,489 2,521 SH   SOLE 0 0 0 2,521
TJX COS INC NEW COM 872540109 564 9,303 SH   SOLE 0 0 0 9,303
TRANE TECHNOLOGIES PLC SHS G8994E103 697 4,566 SH   SOLE 0 0 0 4,566
TRANSUNION COM 89400J107 752 7,275 SH   SOLE 0 0 0 7,275
UNITED RENTALS INC COM 911363109 465 1,309 SH   SOLE 0 0 0 1,309
UNITEDHEALTH GROUP INC COM 91324P102 2,552 5,005 SH   SOLE 0 0 0 5,005
VANECK ETF TRUST EMERGING MRKT HI 92189F353 3,911 193,989 SH   SOLE 0 0 0 193,989
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 2,053 76,055 SH   SOLE 0 0 0 76,055
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 1,517 26,420 SH   SOLE 0 0 0 26,420
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 8,557 107,576 SH   SOLE 0 0 0 107,576
VANGUARD INDEX FDS VALUE ETF 922908744 3,276 22,170 SH   SOLE 0 0 0 22,170
VANGUARD INDEX FDS SML CP GRW ETF 922908595 493 1,987 SH   SOLE 0 0 0 1,987
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 298 718 SH   SOLE 0 0 0 718
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 523 3,496 SH   SOLE 0 0 0 3,496
VANGUARD INDEX FDS GROWTH ETF 922908736 2,738 9,519 SH   SOLE 0 0 0 9,519
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,302 7,398 SH   SOLE 0 0 0 7,398
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,956 129,105 SH   SOLE 0 0 0 129,105
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,644 32,107 SH   SOLE 0 0 0 32,107
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,739 53,124 SH   SOLE 0 0 0 53,124
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 832 9,665 SH   SOLE 0 0 0 9,665
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 251 5,005 SH   SOLE 0 0 0 5,005
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 6,425 133,778 SH   SOLE 0 0 0 133,778
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 969 8,635 SH   SOLE 0 0 0 8,635
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 365 5,227 SH   SOLE 0 0 0 5,227
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 600 8,869 SH   SOLE 0 0 0 8,869
VERIZON COMMUNICATIONS INC COM 92343V104 830 16,293 SH   SOLE 0 0 0 16,293
VISA INC COM CL A 92826C839 1,991 8,978 SH   SOLE 0 0 0 8,978
WALMART INC COM 931142103 895 6,008 SH   SOLE 0 0 0 6,008
WEST PHARMACEUTICAL SVSC INC COM 955306105 209 510 SH   SOLE 0 0 0 510
WILLIAMS COS INC COM 969457100 670 20,055 SH   SOLE 0 0 0 20,055
WISDOMTREE TR EM EX ST-OWNED 97717X578 3,485 106,719 SH   SOLE 0 0 0 106,719
WISDOMTREE TR US TOTAL DIVIDND 97717W109 585 9,056 SH   SOLE 0 0 0 9,056
WISDOMTREE TR YIELD ENHANCD US 97717X511 907 18,946 SH   SOLE 0 0 0 18,946
WISDOMTREE TR US LARGECAP FUND 97717W588 686 14,190 SH   SOLE 0 0 0 14,190
WISDOMTREE TR INTL EQUITY FD 97717W703 447 8,476 SH   SOLE 0 0 0 8,476
WISDOMTREE TR US MULTIFACTOR 97717Y857 380 9,274 SH   SOLE 0 0 0 9,274
WISDOMTREE TR US MIDCAP DIVID 97717W505 275 6,182 SH   SOLE 0 0 0 6,182
ZOETIS INC CL A 98978V103 809 4,292 SH   SOLE 0 0 0 4,292