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 349 2,347 SH   SOLE   0 0 2,347
ALLSTATE CORP COM 020002101 255 1,839 SH   SOLE   0 0 1,839
ALPHABET INC CAP STK CL C 02079K107 877 314 SH   SOLE   0 0 314
ALPHABET INC CAP STK CL A 02079K305 738 265 SH   SOLE   0 0 265
AMAZON COM INC COM 023135106 2,067 634 SH   SOLE   0 0 634
AMERICAN EXPRESS CO COM 025816109 227 1,215 SH   SOLE   0 0 1,215
APPLE INC COM 037833100 3,074 17,606 SH   SOLE   0 0 17,606
ARCHER DANIELS MIDLAND CO COM 039483102 245 2,709 SH   SOLE   0 0 2,709
AT&T INC COM 00206R102 388 16,422 SH   SOLE   0 0 16,422
BANK NEW YORK MELLON CORP COM 064058100 269 5,413 SH   SOLE   0 0 5,413
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,120 6,007 SH   SOLE   0 0 6,007
BOEING CO COM 097023105 220 1,151 SH   SOLE   0 0 1,151
BRIGHT HEALTH GROUP INC COM 10920V107 39 20,138 SH   SOLE   0 0 20,138
BRISTOL-MYERS SQUIBB CO COM 110122108 223 3,057 SH   SOLE   0 0 3,057
CHEVRON CORP NEW COM 166764100 1,482 9,104 SH   SOLE   0 0 9,104
COCA COLA CO COM 191216100 533 8,601 SH   SOLE   0 0 8,601
COSTCO WHSL CORP NEW COM 22160K105 344 598 SH   SOLE   0 0 598
CROCS INC COM 227046109 203 2,654 SH   SOLE   0 0 2,654
DISNEY WALT CO COM 254687106 269 1,963 SH   SOLE   0 0 1,963
ENTERPRISE PRODS PARTNERS L COM 293792107 756 29,292 SH   SOLE   0 0 29,292
ETF SER SOLUTIONS US DIVERSIFIED 26922A511 335 8,825 SH   SOLE   0 0 8,825
EXXON MOBIL CORP COM 30231G102 1,678 20,321 SH   SOLE   0 0 20,321
FLEXSHARES TR INTL QLTDV IDX 33939L837 286 11,986 SH   SOLE   0 0 11,986
FLEXSHARES TR QUALT DIVD IDX 33939L860 484 8,160 SH   SOLE   0 0 8,160
FORD MTR CO DEL COM 345370860 264 15,621 SH   SOLE   0 0 15,621
GLOBAL X FDS GLB X MLP ENRG I 37954Y293 396 9,280 SH   SOLE   0 0 9,280
GLOBAL X FDS RATE PREFERRED 37954Y376 316 12,135 SH   SOLE   0 0 12,135
GLOBAL X FDS US PFD ETF 37954Y657 575 24,477 SH   SOLE   0 0 24,477
HOME DEPOT INC COM 437076102 1,081 3,610 SH   SOLE   0 0 3,610
INTEL CORP COM 458140100 289 5,827 SH   SOLE   0 0 5,827
INTERNATIONAL BUSINESS MACHS COM 459200101 817 6,286 SH   SOLE   0 0 6,286
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 4,737 30,035 SH   SOLE   0 0 30,035
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472 1,510 19,993 SH   SOLE   0 0 19,993
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 509 2,977 SH   SOLE   0 0 2,977
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738 1,932 39,515 SH   SOLE   0 0 39,515
INVESCO EXCHANGE TRADED FD T DYNMC LRG GWTH 46137V746 2,833 39,214 SH   SOLE   0 0 39,214
ISHARES GOLD TR ISHARES NEW 464285204 1,764 47,901 SH   SOLE   0 0 47,901
ISHARES INC CORE MSCI EMKT 46434G103 3,481 62,668 SH   SOLE   0 0 62,668
ISHARES SILVER TR ISHARES 46428Q109 312 13,650 SH   SOLE   0 0 13,650
ISHARES TR SELECT DIVID ETF 464287168 205 1,601 SH   SOLE   0 0 1,601
ISHARES TR CORE S&P500 ETF 464287200 498 1,098 SH   SOLE   0 0 1,098
ISHARES TR CORE US AGGBD ET 464287226 826 7,716 SH   SOLE   0 0 7,716
ISHARES TR MSCI EAFE ETF 464287465 1,351 18,359 SH   SOLE   0 0 18,359
ISHARES TR RUS MDCP VAL ETF 464287473 354 2,960 SH   SOLE   0 0 2,960
ISHARES TR RUS 1000 ETF 464287622 7,600 30,393 SH   SOLE   0 0 30,393
ISHARES TR RUS 2000 VAL ETF 464287630 785 4,863 SH   SOLE   0 0 4,863
ISHARES TR RUSSELL 2000 ETF 464287655 2,813 13,706 SH   SOLE   0 0 13,706
ISHARES TR CORE S&P US VLU 464287663 675 8,902 SH   SOLE   0 0 8,902
ISHARES TR RUSSELL 3000 ETF 464287689 1,304 4,970 SH   SOLE   0 0 4,970
ISHARES TR CORE S&P SCP ETF 464287804 474 4,398 SH   SOLE   0 0 4,398
ISHARES TR GLB INFRASTR ETF 464288372 386 7,595 SH   SOLE   0 0 7,595
ISHARES TR US AER DEF ETF 464288760 490 4,424 SH   SOLE   0 0 4,424
ISHARES TR CORE HIGH DV ETF 46429B663 385 3,600 SH   SOLE   0 0 3,600
ISHARES TR MSCI USA QLT FCT 46432F339 235 1,745 SH   SOLE   0 0 1,745
ISHARES TR CORE MSCI TOTAL 46432F834 1,555 23,356 SH   SOLE   0 0 23,356
ISHARES TR CORE MSCI EAFE 46432F842 2,691 38,710 SH   SOLE   0 0 38,710
ISHARES TR MSCI INTL QUALTY 46434V456 470 12,750 SH   SOLE   0 0 12,750
ISHARES TR CORE TOTAL USD 46434V613 29,236 589,077 SH   SOLE   0 0 589,077
ISHARES TR HDG MSCI EAFE 46434V803 1,115 32,842 SH   SOLE   0 0 32,842
ISHARES TR ESG AWRE 1 5 YR 46435G243 461 18,713 SH   SOLE   0 0 18,713
ISHARES TR RUSEL 2500 ETF 46435G268 250 4,000 SH   SOLE   0 0 4,000
ISHARES TR ESG MSCI LEADR 46435U218 302 3,815 SH   SOLE   0 0 3,815
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 336 6,775 SH   SOLE   0 0 6,775
JOHNSON & JOHNSON COM 478160104 796 4,494 SH   SOLE   0 0 4,494
JPMORGAN CHASE & CO COM 46625H100 479 3,515 SH   SOLE   0 0 3,515
LOWES COS INC COM 548661107 404 2,000 SH   SOLE   0 0 2,000
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 225 4,587 SH   SOLE   0 0 4,587
MERCK & CO INC COM 58933Y105 354 4,309 SH   SOLE   0 0 4,309
META PLATFORMS INC CL A 30303M102 1,831 8,234 SH   SOLE   0 0 8,234
MICROSOFT CORP COM 594918104 2,123 6,886 SH   SOLE   0 0 6,886
NEXTERA ENERGY INC COM 65339F101 2,869 33,865 SH   SOLE   0 0 33,865
NORFOLK SOUTHN CORP COM 655844108 1,060 3,715 SH   SOLE   0 0 3,715
NORTHERN LTS FD TR IV INSPIRE 100 ESG 66538H534 288 7,992 SH   SOLE   0 0 7,992
ONEOK INC NEW COM 682680103 257 3,641 SH   SOLE   0 0 3,641
PEPSICO INC COM 713448108 273 1,634 SH   SOLE   0 0 1,634
PFIZER INC COM 717081103 365 7,046 SH   SOLE   0 0 7,046
PROCTER AND GAMBLE CO COM 742718109 204 1,338 SH   SOLE   0 0 1,338
ROYAL BK CDA COM 780087102 243 2,206 SH   SOLE   0 0 2,206
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 4,155 77,818 SH   SOLE   0 0 77,818
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,440 26,743 SH   SOLE   0 0 26,743
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 392 5,486 SH   SOLE   0 0 5,486
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,056 22,300 SH   SOLE   0 0 22,300
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,466 124,808 SH   SOLE   0 0 124,808
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 1,793 61,923 SH   SOLE   0 0 61,923
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 2,321 71,998 SH   SOLE   0 0 71,998
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 13,982 239,012 SH   SOLE   0 0 239,012
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 418 5,295 SH   SOLE   0 0 5,295
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 6,059 164,996 SH   SOLE   0 0 164,996
SCHWAB STRATEGIC TR US REIT ETF 808524847 8,443 339,201 SH   SOLE   0 0 339,201
SELECT SECTOR SPDR TR ENERGY 81369Y506 373 4,877 SH   SOLE   0 0 4,877
SOUTHERN CO COM 842587107 560 7,719 SH   SOLE   0 0 7,719
SPDR GOLD TR GOLD SHS 78463V107 1,715 9,493 SH   SOLE   0 0 9,493
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 376 9,730 SH   SOLE   0 0 9,730
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 1,809 29,782 SH   SOLE   0 0 29,782
SPDR S&P 500 ETF TR TR UNIT 78462F103 12,936 28,642 SH   SOLE   0 0 28,642
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 5,175 10,551 SH   SOLE   0 0 10,551
SPDR SER TR S&P DIVID ETF 78464A763 4,565 35,635 SH   SOLE   0 0 35,635
TESLA INC COM 88160R101 664 616 SH   SOLE   0 0 616
TORONTO DOMINION BK ONT COM NEW 891160509 218 2,740 SH   SOLE   0 0 2,740
TRANE TECHNOLOGIES PLC SHS G8994E103 229 1,500 SH   SOLE   0 0 1,500
UMH PPTYS INC COM 903002103 278 11,297 SH   SOLE   0 0 11,297
UNION PAC CORP COM 907818108 987 3,612 SH   SOLE   0 0 3,612
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 14,925 137,719 SH   SOLE   0 0 137,719
VANGUARD INDEX FDS SM CP VAL ETF 922908611 6,428 36,535 SH   SOLE   0 0 36,535
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 20,735 125,167 SH   SOLE   0 0 125,167
VANGUARD INDEX FDS VALUE ETF 922908744 12,275 83,061 SH   SOLE   0 0 83,061
VANGUARD INDEX FDS TOTAL STK MKT 922908769 11,987 52,651 SH   SOLE   0 0 52,651
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 16,157 280,558 SH   SOLE   0 0 280,558
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,047 66,057 SH   SOLE   0 0 66,057
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 4,167 80,837 SH   SOLE   0 0 80,837
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,963 63,552 SH   SOLE   0 0 63,552
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 220 1,080 SH   SOLE   0 0 1,080
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,823 21,190 SH   SOLE   0 0 21,190
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 26,891 165,829 SH   SOLE   0 0 165,829
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,732 36,066 SH   SOLE   0 0 36,066
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 269 2,397 SH   SOLE   0 0 2,397
VANGUARD WORLD FD ESG US STK ETF 921910733 345 4,252 SH   SOLE   0 0 4,252
VANGUARD WORLD FDS ENERGY ETF 92204A306 257 2,400 SH   SOLE   0 0 2,400
VERIZON COMMUNICATIONS INC COM 92343V104 244 4,793 SH   SOLE   0 0 4,793
WALMART INC COM 931142103 233 1,562 SH   SOLE   0 0 1,562
WEBSTER FINL CORP COM 947890109 286 5,093 SH   SOLE   0 0 5,093