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
SPDR Port S&P 1500 Comps Stk Mkt ETF SPTM 78464A805 21,555 406,770 SH   SOLE   406,770 0 0
ISHARES TRUST CRE U S REIT ETF USRT 464288521 14,019 239,037 SH   SOLE   239,037 0 0
ISHARES CORE MSCI EMG MKT IEMG 46434G103 8,448 136,784 SH   SOLE   136,784 0 0
SPDR Portfolio Developed Wld ex-US ETF SPDW 78463X889 8,350 230,606 SH   SOLE   230,606 0 0
VANGUARD MSCI EAFE ETF VEA 921943858 8,170 161,808 SH   SOLE   161,808 0 0
ETF SERIES SOLUTIONS CLEARSHS ULTRA ETF OPER 26922A453 7,697 76,881 SH   SOLE   76,881 0 0
Schwab US Broad Market ETF SCHB 808524102 7,230 69,614 SH   SOLE   69,614 0 0
ISHARES CORE S&PTOTAL US STOCKMARKET ETF ITOT 464287150 5,832 59,285 SH   SOLE   59,285 0 0
APPLE, INC. AAPL 037833100 5,223 36,909 SH   SOLE   36,909 0 0
SPDR Portfolio TIPS ETF SPIP 78464A656 5,183 166,666 SH   SOLE   166,666 0 0
ISHARES TIPS BOND ETF TIP 464287176 5,135 40,216 SH   SOLE   40,216 0 0
MICROSOFT CORPORATION MSFT 594918104 5,104 18,106 SH   SOLE   18,106 0 0
SPDR SP Emerging Markets ETF SPEM 78463X509 4,812 113,143 SH   SOLE   113,143 0 0
SPDR Portfolio Long Term Treasury ETF SPTL 78464A664 4,276 103,571 SH   SOLE   103,571 0 0
ISHARES TR CORE MSCITOTAL IXUS 46432F834 4,070 57,326 SH   SOLE   57,326 0 0
ISHARES TRUST CORE INTL AGGR E TF IAGG 46435G672 3,802 69,102 SH   SOLE   69,102 0 0
Schwab US REIT ETF SCHH 808524847 2,798 61,247 SH   SOLE   61,247 0 0
SPDR Barclays 1 3 Month T-Bill BIL 78468R663 2,729 29,839 SH   SOLE   29,839 0 0
Alphabet Inc Class A GOOGL 02079K305 2,101 786 SH   SOLE   786 0 0
Amazon.com Inc AMZN 023135106 2,030 618 SH   SOLE   618 0 0
ISHARES GOLD TRUST ISHARES NEW ETF IAU 464285204 1,994 59,678 SH   SOLE   59,678 0 0
SCHWAB SHORT TERM US TREASURY SCHO 808524862 1,874 36,611 SH   SOLE   36,611 0 0
Meta Platforms Inc FB 30303M102 1,850 5,450 SH   SOLE   5,450 0 0
Schwab International Equity ETF SCHF 808524805 1,781 46,010 SH   SOLE   46,010 0 0
ALPHABET INC CLASS C GOOG 02079K107 1,652 620 SH   SOLE   620 0 0
PROCTER AND GAMBLE CO PG 742718109 1,616 11,562 SH   SOLE   11,562 0 0
Thermo Fisher Scientific Inc TMO 883556102 1,603 2,806 SH   SOLE   2,806 0 0
TESLA INC TSLA 88160R101 1,497 1,931 SH   SOLE   1,931 0 0
iShares US Treasury Bond ETF GOVT 46429B267 1,458 54,974 SH   SOLE   54,974 0 0
Schwab US TIPS ETF SCHP 808524870 1,414 22,592 SH   SOLE   22,592 0 0
Home Depot Inc HD 437076102 1,365 4,158 SH   SOLE   4,158 0 0
Vanguard Small-Cap VB 922908751 1,182 5,407 SH   SOLE   5,407 0 0
NVIDIA CORP NVDA 67066G104 1,169 5,643 SH   SOLE   5,643 0 0
Schwab Intermediate-Term US Trs ETF SCHR 808524854 1,098 19,355 SH   SOLE   19,355 0 0
SPDR Blmbg Barclays Intl Trs Bd ETF BWX 78464A516 982 34,171 SH   SOLE   34,171 0 0
Accenture PLC ACN G1151C101 947 2,961 SH   SOLE   2,961 0 0
Schwab Emerging Markets Equity ETF SCHE 808524706 922 30,260 SH   SOLE   30,260 0 0
BERKSHIRE HATHAWAY INC B BRK/B 084670702 912 3,341 SH   SOLE   3,341 0 0
JPMORGAN CHASE CO JPM 46625H100 888 5,423 SH   SOLE   5,423 0 0
Pepsico Incorporated PEP 713448108 879 5,845 SH   SOLE   5,845 0 0
VISA, INC CLASS A V 92826C839 878 3,941 SH   SOLE   3,941 0 0
CISCO SYSTEMS INC CSCO 17275R102 875 16,069 SH   SOLE   16,069 0 0
Walt Disney Co DIS 254687106 863 5,104 SH   SOLE   5,104 0 0
iShares ESG Aware US Aggregate Bond ETF EAGG 46435U549 783 14,208 SH   SOLE   14,208 0 0
AMERICAN TOWER CORP AMT 03027X100 777 2,928 SH   SOLE   2,928 0 0
SALESFORCE.COM INC CRM 79466L302 767 2,828 SH   SOLE   2,828 0 0
Adobe Inc ADBE 00724F101 758 1,316 SH   SOLE   1,316 0 0
ProLogis Inc PLD 74340W103 746 5,947 SH   SOLE   5,947 0 0
Johnson Johnson JNJ 478160104 743 4,602 SH   SOLE   4,602 0 0
TEXAS INSTRUMENTS INC TXN 882508104 730 3,797 SH   SOLE   3,797 0 0
American Express Co AXP 025816109 688 4,109 SH   SOLE   4,109 0 0
PAYPAL HOLDINGS, INC. PYPL 70450Y103 675 2,594 SH   SOLE   2,594 0 0
UNITEDHEALTH GROUP, INC. UNH 91324P102 613 1,569 SH   SOLE   1,569 0 0
EQUINIX, INC. EQIX 29444U700 609 771 SH   SOLE   771 0 0
iShares Core US Aggregate Bond AGG 464287226 603 5,253 SH   SOLE   5,253 0 0
BLACKROCK, INC. BLK 09247X101 585 697 SH   SOLE   697 0 0
Lowe's Companies Inc LOW 548661107 574 2,829 SH   SOLE   2,829 0 0
MORGAN STANLEY MS 617446448 570 5,857 SH   SOLE   5,857 0 0
SPDR Portfolio S&P 400 Mid Cap SPMD 78464A847 566 12,262 SH   SOLE   12,262 0 0
PROSHARES VIX SHORT TERM VIXY 74347Y854 564 24,719 SH   SOLE   24,719 0 0
Coca Cola Company KO 191216100 551 10,494 SH   SOLE   10,494 0 0
LINDE PLC LIN G5494J103 541 1,845 SH   SOLE   1,845 0 0
Bank of America Corp BAC 060505104 538 12,674 SH   SOLE   12,674 0 0
Comcast Corp Class A CMCSA 20030N101 535 9,568 SH   SOLE   9,568 0 0
Vanguard Total Stock Market VTI 922908769 519 2,338 SH   SOLE   2,338 0 0
Mastercard Inc MA 57636Q104 515 1,482 SH   SOLE   1,482 0 0
3M COMPANY MMM 88579Y101 508 2,898 SH   SOLE   2,898 0 0
Marsh & McLennan Co Inc MMC 571748102 489 3,226 SH   SOLE   3,226 0 0
ASML Holding NV ASML N07059210 471 633 SH   SOLE   633 0 0
CROWN CASTLE INTL CORP CCI 22822V101 459 2,648 SH   SOLE   2,648 0 0
Johnson Controls International JCI G51502105 458 6,729 SH   SOLE   6,729 0 0
NETFLIX, INC. NFLX 64110L106 446 731 SH   SOLE   731 0 0
CONOCOPHILLIPS COP 20825C104 431 6,353 SH   SOLE   6,353 0 0
Expeditors International of Wash EXPD 302130109 429 3,605 SH   SOLE   3,605 0 0
Simon Property Group Inc SPG 828806109 417 3,211 SH   SOLE   3,211 0 0
iShares Core S&P 500 IVV 464287200 401 931 SH   SOLE   931 0 0
Agilent Technologies Inc A 00846U101 401 2,544 SH   SOLE   2,544 0 0
Applied Materials Inc AMAT 038222105 396 3,080 SH   SOLE   3,080 0 0
Abbott Laboratories ABT 002824100 389 3,291 SH   SOLE   3,291 0 0
GILEAD SCIENCES, INC GILD 375558103 379 5,432 SH   SOLE   5,432 0 0
Pfizer Inc PFE 717081103 375 8,726 SH   SOLE   8,726 0 0
SPDR Portfolio SmallCap SPSM 78468R853 365 8,571 SH   SOLE   8,571 0 0
Broadcom Inc Com AVGO 11135F101 362 747 SH   SOLE   747 0 0
WALMART, INC. WMT 931142103 358 2,572 SH   SOLE   2,572 0 0
TARGET CORPORATION TGT 87612E106 349 1,525 SH   SOLE   1,525 0 0
Nike Inc Class B NKE 654106103 347 2,391 SH   SOLE   2,391 0 0
AbbVie Inc ABBV 00287Y109 346 3,210 SH   SOLE   3,210 0 0
A T & T INC T 00206R102 331 12,255 SH   SOLE   12,255 0 0
West Pharm Srvc Inc WST 955306105 330 777 SH   SOLE   777 0 0
Wells Fargo & Co WFC 949746101 326 7,016 SH   SOLE   7,016 0 0
PUBLIC STORAGE PSA 74460D109 324 1,092 SH   SOLE   1,092 0 0
DIGITAL REALTY TRUST DLR 253868103 324 2,243 SH   SOLE   2,243 0 0
McDonald's Corporation MCD 580135101 322 1,335 SH   SOLE   1,335 0 0
Xylem Inc XYL 98419M100 320 2,586 SH   SOLE   2,586 0 0
Intuit Inc INTU 461202103 298 552 SH   SOLE   552 0 0
Bank of New York Mellon Corp BK 064058100 297 5,723 SH   SOLE   5,723 0 0
International Business Machines IBM 459200101 296 2,130 SH   SOLE   2,130 0 0
ROCHE HOLDING AG - ADR RHHBY 771195104 293 6,433 SH   SOLE   6,433 0 0
Ford Motor Company F 345370860 286 20,184 SH   SOLE   20,184 0 0
HONEYWELL INTL INC HON 438516106 281 1,325 SH   SOLE   1,325 0 0
Novartis AG Spons ADR NVS 66987V109 280 3,422 SH   SOLE   3,422 0 0
Medtronic PLC MDT G5960L103 274 2,188 SH   SOLE   2,188 0 0
WELLTOWER, INC WELL 95040Q104 272 3,306 SH   SOLE   3,306 0 0
SBA COMMUNICATIONS CORP SBAC 78410G104 272 823 SH   SOLE   823 0 0
Costco Wholesale Corp COST 22160K105 271 602 SH   SOLE   602 0 0
Exxon Mobil Corporation XOM 30231G102 269 4,576 SH   SOLE   4,576 0 0
Eli Lilly and Company LLY 532457108 266 1,151 SH   SOLE   1,151 0 0
HEALTHPEAK PROPERTIES INC PEAK 42250P103 260 7,757 SH   SOLE   7,757 0 0
First Bancorp FBNC 318910106 260 6,034 SH   SOLE   6,034 0 0
NEXTERA ENERGY, INC. NEE 65339F101 255 3,242 SH   SOLE   3,242 0 0
CITIGROUP, INC. C 172967424 254 3,622 SH   SOLE   3,622 0 0
AVALONBAY COMMUNITIES INC AVB 053484101 252 1,136 SH   SOLE   1,136 0 0
DANAHER CORPORATION DHR 235851102 251 824 SH   SOLE   824 0 0
Raytheon Technologies Corp RTX 75513E101 250 2,903 SH   SOLE   2,903 0 0
Zoetis Inc ZTS 98978V103 245 1,261 SH   SOLE   1,261 0 0
Bristol-Myers Squibb Company BMY 110122108 243 4,105 SH   SOLE   4,105 0 0
Union Pacific Corp UNP 907818108 242 1,233 SH   SOLE   1,233 0 0
CATERPILLAR INC CAT 149123101 240 1,250 SH   SOLE   1,250 0 0
Oracle Corporation ORCL 68389X105 240 2,749 SH   SOLE   2,749 0 0
PHILIP MORRIS INT'L, INC. PM 718172109 237 2,497 SH   SOLE   2,497 0 0
NOVO NORDISK A/S ADR NVO 670100205 236 2,463 SH   SOLE   2,463 0 0
QUALCOMM, INC. QCOM 747525103 235 1,819 SH   SOLE   1,819 0 0
CBRE Group Inc CBRE 125043109 232 2,378 SH   SOLE   2,378 0 0
Nestle SA ADR NSRGY 641069406 228 1,896 SH   SOLE   1,896 0 0
EQUITY RESIDENTIAL EQR 29476L107 227 2,804 SH   SOLE   2,804 0 0
Leidos Holdings Inc LDOS 525327102 216 2,250 SH   SOLE   2,250 0 0
Starbucks Corp SBUX 855244109 214 1,943 SH   SOLE   1,943 0 0
Edwards Life Sciences Corp EW 28176E108 213 1,879 SH   SOLE   1,879 0 0
Eversource Energy ES 30040W108 206 2,522 SH   SOLE   2,522 0 0
General Electric Company GE 369604301 203 1,975 SH   SOLE   1,975 0 0
Hess Corp HES 42809H107 202 2,586 SH   SOLE   2,586 0 0
Goldman Sachs Group Inc GS 38141G104 202 534 SH   SOLE   534 0 0
Ecolab Inc ECL 278865100 200 959 SH   SOLE   959 0 0
CHEVRON CORP. CVX 166764100 200 1,969 SH   SOLE   1,969 0 0
Cadence Design Systems Inc CDNS 127387108 199 1,316 SH   SOLE   1,316 0 0
IDEXX Labs Corp IDXX 45168D104 198 319 SH   SOLE   319 0 0
REALTY INCOME CORP O 756109104 194 2,992 SH   SOLE   2,992 0 0
ALEXANDRIA REAL EST EQU ARE 015271109 181 947 SH   SOLE   947 0 0
Quest Diagnostic Inc DGX 74834L100 178 1,227 SH   SOLE   1,227 0 0
CVS Health Corp CVS 126650100 177 2,087 SH   SOLE   2,087 0 0
Hewlett Packard Enterprise Co HPE 42824C109 174 12,238 SH   SOLE   12,238 0 0
Waters Corp WAT 941848103 174 488 SH   SOLE   488 0 0
Northern Trust Corp NTRS 665859104 172 1,600 SH   SOLE   1,600 0 0
Trane Technologies Plc TT G8994E103 172 998 SH   SOLE   998 0 0
Prudential Financial Inc PRU 744320102 170 1,614 SH   SOLE   1,614 0 0
Mettler-Toledo International Inc MTD 592688105 169 123 SH   SOLE   123 0 0
ALTRIA GROUP INC. MO 02209S103 167 3,660 SH   SOLE   3,660 0 0
EXTRA SPACE STORAGE INC EXR 30225T102 166 990 SH   SOLE   990 0 0
ESSEX PROPERTY TRUST INC ESS 297178105 161 503 SH   SOLE   503 0 0
HCA Healthcare Inc HCA 40412C101 160 658 SH   SOLE   658 0 0
JPMorgan Ultra-Short Income ETF JPST 46641Q837 158 3,119 SH   SOLE   3,119 0 0
INVITATION HOMES INVH 46187W107 158 4,125 SH   SOLE   4,125 0 0
Ishares Core High Dividend Etf HDV 46429B663 156 1,656 SH   SOLE   1,656 0 0
US Bancorp USB 902973304 153 2,580 SH   SOLE   2,580 0 0
UNITED PARCEL SRVC CLASS B UPS 911312106 153 839 SH   SOLE   839 0 0
Charter Communications Inc Cl A CHTR 16119P108 151 208 SH   SOLE   208 0 0
Best Buy Inc BBY 086516101 145 1,368 SH   SOLE   1,368 0 0
ISHARES TRUST 1 3 YR TREAS BD ETF SHY 464287457 144 1,677 SH   SOLE   1,677 0 0
Kellogg K 487836108 143 2,233 SH   SOLE   2,233 0 0
ISHARES US REAL ESTATE ETF IYR 464287739 138 1,350 SH   SOLE   1,350 0 0
Autodesk Inc ADSK 052769106 137 481 SH   SOLE   481 0 0
Mondelez Intl Inc MDLZ 609207105 134 2,308 SH   SOLE   2,308 0 0
SUN COMMUNITIES INC SUI 866674104 134 724 SH   SOLE   724 0 0
DUKE REALTY CORPORATION DRE 264411505 131 2,733 SH   SOLE   2,733 0 0
Royal Bank of Canada RY 780087102 129 1,296 SH   SOLE   1,296 0 0
Duke Energy Corp DUK 26441C204 125 1,285 SH   SOLE   1,285 0 0
UDR, INC. UDR 902653104 124 2,338 SH   SOLE   2,338 0 0
BOSTON PROPERTIES, INC. BXP 101121101 124 1,141 SH   SOLE   1,141 0 0
Boeing Co BA 097023105 122 555 SH   SOLE   555 0 0
CAPITAL ONE FINANCIAL CRP COF 14040H105 121 748 SH   SOLE   748 0 0
Automatic Data Processing Inc ADP 053015103 120 599 SH   SOLE   599 0 0
THE SOUTHERN COMPANY SO 842587107 117 1,885 SH   SOLE   1,885 0 0
ABB LTD. - ADR ABB 000375204 116 3,479 SH   SOLE   3,479 0 0
CMS Energy Corp CMS 125896100 115 1,932 SH   SOLE   1,932 0 0
Aptiv PLC APTV G6095L109 113 760 SH   SOLE   760 0 0
T-MOBILE US, INC. TMUS 872590104 105 821 SH   SOLE   821 0 0
ROYAL DUTCH SHELL PLC-ADR RDS/B 780259107 104 2,352 SH   SOLE   2,352 0 0
BOOKING HOLDINGS, INC. BKNG 09857L108 102 43 SH   SOLE   43 0 0
SONY GROUP CORP. ADR SONY 835699307 101 912 SH   SOLE   912 0 0
Astrazeneca Plc Each Ads Representing 1/2 Of An Ordinary Share AZN 046353108 100 1,668 SH   SOLE   1,668 0 0