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
TRANE TECHNOLOGIES PLC SHS G8994E103 217 1,500 SH   SOLE   0 0 1,500
AT&T INC COM 00206R102 253 16,505 SH   SOLE   0 0 16,505
ALLSTATE CORP COM 020002101 229 1,839 SH   SOLE   0 0 1,839
ALPHABET INC CAP STK CL C 02079K107 533 5,540 SH   SOLE   0 0 5,540
ALPHABET INC CAP STK CL A 02079K305 525 5,484 SH   SOLE   0 0 5,484
AMAZON COM INC COM 023135106 1,434 12,693 SH   SOLE   0 0 12,693
APPLE INC COM 037833100 2,480 17,947 SH   SOLE   0 0 17,947
ARCHER DANIELS MIDLAND CO COM 039483102 218 2,709 SH   SOLE   0 0 2,709
BANK NEW YORK MELLON CORP COM 064058100 209 5,413 SH   SOLE   0 0 5,413
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,711 6,407 SH   SOLE   0 0 6,407
BRIGHT HEALTH GROUP INC COM 10920V107 21 20,138 SH   SOLE   0 0 20,138
BRISTOL-MYERS SQUIBB CO COM 110122108 217 3,057 SH   SOLE   0 0 3,057
CHEVRON CORP NEW COM 166764100 1,308 9,104 SH   SOLE   0 0 9,104
COCA COLA CO COM 191216100 482 8,607 SH   SOLE   0 0 8,607
COSTCO WHSL CORP NEW COM 22160K105 282 598 SH   SOLE   0 0 598
DISNEY WALT CO COM 254687106 205 2,172 SH   SOLE   0 0 2,172
ETF SER SOLUTIONS US DIVERSIFIED 26922A511 267 9,711 SH   SOLE   0 0 9,711
ENTERPRISE PRODS PARTNERS L COM 293792107 697 29,292 SH   SOLE   0 0 29,292
EXXON MOBIL CORP COM 30231G102 1,612 18,464 SH   SOLE   0 0 18,464
META PLATFORMS INC CL A 30303M102 1,346 9,918 SH   SOLE   0 0 9,918
FLEXSHARES TR QUALT DIVD IDX 33939L860 386 8,160 SH   SOLE   0 0 8,160
FORD MTR CO DEL COM 345370860 153 13,683 SH   SOLE   0 0 13,683
GLOBAL X FDS GLB X MLP ENRG I 37954Y293 318 8,480 SH   SOLE   0 0 8,480
GLOBAL X FDS RATE PREFERRED 37954Y376 290 12,356 SH   SOLE   0 0 12,356
GLOBAL X FDS US PFD ETF 37954Y657 411 20,050 SH   SOLE   0 0 20,050
HOME DEPOT INC COM 437076102 1,059 3,839 SH   SOLE   0 0 3,839
INTERNATIONAL BUSINESS MACHS COM 459200101 687 5,786 SH   SOLE   0 0 5,786
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 3,499 27,488 SH   SOLE   0 0 27,488
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472 1,245 19,993 SH   SOLE   0 0 19,993
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 396 2,852 SH   SOLE   0 0 2,852
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738 1,646 39,515 SH   SOLE   0 0 39,515
INVESCO EXCHANGE TRADED FD T DYNMC LRG GWTH 46137V746 2,153 37,806 SH   SOLE   0 0 37,806
ISHARES SILVER TR ISHARES 46428Q109 239 13,650 SH   SOLE   0 0 13,650
ISHARES GOLD TR ISHARES NEW 464285204 1,707 54,145 SH   SOLE   0 0 54,145
ISHARES TR CORE S&P500 ETF 464287200 1,007 2,808 SH   SOLE   0 0 2,808
ISHARES TR CORE US AGGBD ET 464287226 998 10,355 SH   SOLE   0 0 10,355
ISHARES TR MSCI EAFE ETF 464287465 952 17,004 SH   SOLE   0 0 17,004
ISHARES TR RUS MDCP VAL ETF 464287473 284 2,960 SH   SOLE   0 0 2,960
ISHARES TR RUS 1000 ETF 464287622 5,890 29,849 SH   SOLE   0 0 29,849
ISHARES TR RUS 2000 VAL ETF 464287630 627 4,863 SH   SOLE   0 0 4,863
ISHARES TR RUSSELL 2000 ETF 464287655 2,273 13,783 SH   SOLE   0 0 13,783
ISHARES TR CORE S&P US VLU 464287663 557 8,902 SH   SOLE   0 0 8,902
ISHARES TR RUSSELL 3000 ETF 464287689 736 3,554 SH   SOLE   0 0 3,554
ISHARES TR CORE S&P SCP ETF 464287804 384 4,400 SH   SOLE   0 0 4,400
ISHARES TR GLB INFRASTR ETF 464288372 319 7,618 SH   SOLE   0 0 7,618
ISHARES TR US AER DEF ETF 464288760 403 4,424 SH   SOLE   0 0 4,424
ISHARES TR CORE HIGH DV ETF 46429B663 329 3,600 SH   SOLE   0 0 3,600
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 334 6,775 SH   SOLE   0 0 6,775
ISHARES TR MSCI USA QLT FCT 46432F339 346 3,331 SH   SOLE   0 0 3,331
ISHARES TR CORE MSCI TOTAL 46432F834 1,309 25,702 SH   SOLE   0 0 25,702
ISHARES TR CORE MSCI EAFE 46432F842 1,477 28,041 SH   SOLE   0 0 28,041
ISHARES INC CORE MSCI EMKT 46434G103 1,887 43,908 SH   SOLE   0 0 43,908
ISHARES TR MSCI INTL QUALTY 46434V456 354 12,750 SH   SOLE   0 0 12,750
ISHARES TR CORE TOTAL USD 46434V613 25,741 578,456 SH   SOLE   0 0 578,456
ISHARES TR HDG MSCI EAFE 46434V803 1,149 38,453 SH   SOLE   0 0 38,453
ISHARES TR ESG AWRE 1 5 YR 46435G243 264 11,239 SH   SOLE   0 0 11,239
JPMORGAN CHASE & CO COM 46625H100 372 3,562 SH   SOLE   0 0 3,562
JOHNSON & JOHNSON COM 478160104 741 4,535 SH   SOLE   0 0 4,535
LOWES COS INC COM 548661107 376 2,000 SH   SOLE   0 0 2,000
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 218 4,587 SH   SOLE   0 0 4,587
MERCK & CO INC COM 58933Y105 375 4,352 SH   SOLE   0 0 4,352
MICROSOFT CORP COM 594918104 1,682 7,222 SH   SOLE   0 0 7,222
NEXTERA ENERGY INC COM 65339F101 2,626 33,492 SH   SOLE   0 0 33,492
NORFOLK SOUTHN CORP COM 655844108 779 3,715 SH   SOLE   0 0 3,715
NORTHERN LTS FD TR IV INSPIRE 100 ETF 66538H534 222 8,019 SH   SOLE   0 0 8,019
PACER FDS TR PACER US SMALL 69374H857 542 16,674 SH   SOLE   0 0 16,674
PACER FDS TR US CASH COWS 100 69374H881 441 10,750 SH   SOLE   0 0 10,750
PEPSICO INC COM 713448108 267 1,634 SH   SOLE   0 0 1,634
PFIZER INC COM 717081103 331 7,554 SH   SOLE   0 0 7,554
SPDR S&P 500 ETF TR TR UNIT 78462F103 10,891 30,492 SH   SOLE   0 0 30,492
SPDR GOLD TR GOLD SHS 78463V107 1,453 9,394 SH   SOLE   0 0 9,394
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 260 8,390 SH   SOLE   0 0 8,390
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 1,159 23,437 SH   SOLE   0 0 23,437
SPDR SER TR S&P 600 SMCP VAL 78464A300 753 11,209 SH   SOLE   0 0 11,209
SPDR SER TR S&P DIVID ETF 78464A763 3,923 35,187 SH   SOLE   0 0 35,187
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 4,236 10,546 SH   SOLE   0 0 10,546
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,618 62,341 SH   SOLE   0 0 62,341
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,103 26,034 SH   SOLE   0 0 26,034
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,002 26,502 SH   SOLE   0 0 26,502
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,489 66,488 SH   SOLE   0 0 66,488
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 803 34,258 SH   SOLE   0 0 34,258
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 2,472 98,275 SH   SOLE   0 0 98,275
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 11,655 244,030 SH   SOLE   0 0 244,030
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 355 5,345 SH   SOLE   0 0 5,345
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,264 151,564 SH   SOLE   0 0 151,564
SCHWAB STRATEGIC TR US REIT ETF 808524847 6,563 351,127 SH   SOLE   0 0 351,127
SELECT SECTOR SPDR TR ENERGY 81369Y506 317 4,405 SH   SOLE   0 0 4,405
SOUTHERN CO COM 842587107 525 7,719 SH   SOLE   0 0 7,719
TESLA INC COM 88160R101 571 2,153 SH   SOLE   0 0 2,153
3M CO COM 88579Y101 262 2,367 SH   SOLE   0 0 2,367
374WATER INC COM 88583P104 121 42,883 SH   SOLE   0 0 42,883
UMH PPTYS INC COM 903002103 182 11,297 SH   SOLE   0 0 11,297
UNION PAC CORP COM 907818108 708 3,632 SH   SOLE   0 0 3,632
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 21,746 160,893 SH   SOLE   0 0 160,893
VANGUARD WORLD FD ESG US STK ETF 921910733 288 4,579 SH   SOLE   0 0 4,579
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,808 49,715 SH   SOLE   0 0 49,715
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 230 2,427 SH   SOLE   0 0 2,427
VANGUARD WORLD FDS ENERGY ETF 92204A306 239 2,350 SH   SOLE   0 0 2,350
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 11,509 259,441 SH   SOLE   0 0 259,441
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 828 22,700 SH   SOLE   0 0 22,700
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 5,820 78,353 SH   SOLE   0 0 78,353
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,430 18,897 SH   SOLE   0 0 18,897
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 5,149 106,949 SH   SOLE   0 0 106,949
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 11,583 144,483 SH   SOLE   0 0 144,483
VANGUARD INDEX FDS SM CP VAL ETF 922908611 5,002 34,885 SH   SOLE   0 0 34,885
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 15,907 125,140 SH   SOLE   0 0 125,140
VANGUARD INDEX FDS GROWTH ETF 922908736 230 1,076 SH   SOLE   0 0 1,076
VANGUARD INDEX FDS VALUE ETF 922908744 10,661 86,334 SH   SOLE   0 0 86,334
VANGUARD INDEX FDS TOTAL STK MKT 922908769 10,327 57,544 SH   SOLE   0 0 57,544
WALMART INC COM 931142103 203 1,562 SH   SOLE   0 0 1,562
WEBSTER FINL CORP COM 947890109 230 5,093 SH   SOLE   0 0 5,093