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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
TRANE TECHNOLOGIES PLC SHS G8994E103   252,135 1,500 SH   SOLE   0 0 1,500
AT&T INC COM 00206R102   304,648 16,548 SH   SOLE   0 0 16,548
ALLSTATE CORP COM 020002101   249,368 1,839 SH   SOLE   0 0 1,839
ALPHABET INC CAP STK CL C 02079K107   491,564 5,540 SH   SOLE   0 0 5,540
ALPHABET INC CAP STK CL A 02079K305   505,823 5,733 SH   SOLE   0 0 5,733
AMAZON COM INC COM 023135106   1,049,664 12,496 SH   SOLE   0 0 12,496
AMERICAN CENTY ETF TR DIVERSIFIED MU 025072505   255,191 5,215 SH   SOLE   0 0 5,215
AMGEN INC COM 031162100   203,782 776 SH   SOLE   0 0 776
APPLE INC COM 037833100   2,230,786 17,169 SH   SOLE   0 0 17,169
BANK NEW YORK MELLON CORP COM 064058100   246,400 5,413 SH   SOLE   0 0 5,413
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,855,562 6,007 SH   SOLE   0 0 6,007
BOEING CO COM 097023105   219,254 1,151 SH   SOLE   0 0 1,151
BRISTOL-MYERS SQUIBB CO COM 110122108   219,232 3,047 SH   SOLE   0 0 3,047
CHEVRON CORP NEW COM 166764100   1,634,077 9,104 SH   SOLE   0 0 9,104
COCA COLA CO COM 191216100   547,491 8,607 SH   SOLE   0 0 8,607
COSTCO WHSL CORP NEW COM 22160K105   272,925 598 SH   SOLE   0 0 598
CROCS INC COM 227046109   287,773 2,654 SH   SOLE   0 0 2,654
ETF SER SOLUTIONS US DIVERSIFIED 26922A511   303,355 10,818 SH   SOLE   0 0 10,818
ENTERPRISE PRODS PARTNERS L COM 293792107   706,523 29,292 SH   SOLE   0 0 29,292
EXXON MOBIL CORP COM 30231G102   2,019,255 18,307 SH   SOLE   0 0 18,307
META PLATFORMS INC CL A 30303M102   1,294,136 10,754 SH   SOLE   0 0 10,754
FLEXSHARES TR QUALT DIVD IDX 33939L860   429,216 8,160 SH   SOLE   0 0 8,160
GLOBAL X FDS RATE PREFERRED 37954Y376   224,389 9,973 SH   SOLE   0 0 9,973
GLOBAL X FDS US PFD ETF 37954Y657   599,526 30,951 SH   SOLE   0 0 30,951
HOME DEPOT INC COM 437076102   1,212,677 3,839 SH   SOLE   0 0 3,839
INNOVATOR ETFS TR US EQTY PWR BUF 45782C540   773,224 25,869 SH   SOLE   0 0 25,869
INTERNATIONAL BUSINESS MACHS COM 459200101   815,190 5,786 SH   SOLE   0 0 5,786
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   4,000,407 28,321 SH   SOLE   0 0 28,321
ISHARES SILVER TR ISHARES 46428Q109   300,573 13,650 SH   SOLE   0 0 13,650
ISHARES TR SELECT DIVID ETF 464287168   205,141 1,701 SH   SOLE   0 0 1,701
ISHARES TR CORE S&P500 ETF 464287200   999,447 2,601 SH   SOLE   0 0 2,601
ISHARES TR CORE US AGGBD ET 464287226   6,929,641 71,447 SH   SOLE   0 0 71,447
ISHARES TR 20 YR TR BD ETF 464287432   202,107 2,030 SH   SOLE   0 0 2,030
ISHARES TR 7-10 YR TRSY BD 464287440   238,205 2,487 SH   SOLE   0 0 2,487
ISHARES TR MSCI EAFE ETF 464287465   1,097,996 16,728 SH   SOLE   0 0 16,728
ISHARES TR RUS MDCP VAL ETF 464287473   311,806 2,960 SH   SOLE   0 0 2,960
ISHARES TR RUS 1000 ETF 464287622   6,292,119 29,888 SH   SOLE   0 0 29,888
ISHARES TR RUS 2000 VAL ETF 464287630   674,352 4,863 SH   SOLE   0 0 4,863
ISHARES TR RUSSELL 2000 ETF 464287655   2,333,155 13,381 SH   SOLE   0 0 13,381
ISHARES TR CORE S&P US VLU 464287663   628,748 8,902 SH   SOLE   0 0 8,902
ISHARES TR RUSSELL 3000 ETF 464287689   786,850 3,566 SH   SOLE   0 0 3,566
ISHARES TR CORE S&P SCP ETF 464287804   590,805 6,243 SH   SOLE   0 0 6,243
ISHARES TR SHRT NAT MUN ETF 464288158   241,370 2,315 SH   SOLE   0 0 2,315
ISHARES TR GLB INFRASTR ETF 464288372   349,972 7,635 SH   SOLE   0 0 7,635
ISHARES TR NATIONAL MUN ETF 464288414   204,323 1,936 SH   SOLE   0 0 1,936
ISHARES TR US AER DEF ETF 464288760   494,869 4,424 SH   SOLE   0 0 4,424
ISHARES TR CORE HIGH DV ETF 46429B663   375,264 3,600 SH   SOLE   0 0 3,600
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   333,804 6,775 SH   SOLE   0 0 6,775
ISHARES TR MSCI USA QLT FCT 46432F339   382,518 3,357 SH   SOLE   0 0 3,357
ISHARES TR CORE MSCI TOTAL 46432F834   1,597,254 27,596 SH   SOLE   0 0 27,596
ISHARES TR CORE MSCI EAFE 46432F842   1,540,962 24,999 SH   SOLE   0 0 24,999
ISHARES INC CORE MSCI EMKT 46434G103   1,471,163 31,502 SH   SOLE   0 0 31,502
ISHARES TR MSCI INTL QUALTY 46434V456   412,973 12,750 SH   SOLE   0 0 12,750
ISHARES TR CORE TOTAL USD 46434V613   19,053,088 424,062 SH   SOLE   0 0 424,062
ISHARES TR HDG MSCI EAFE 46434V803   1,119,967 41,480 SH   SOLE   0 0 41,480
ISHARES TR ESG AWRE 1 5 YR 46435G243   279,351 11,752 SH   SOLE   0 0 11,752
ISHARES TR RUSEL 2500 ETF 46435G268   212,560 4,000 SH   SOLE   0 0 4,000
JPMORGAN CHASE & CO COM 46625H100   464,373 3,463 SH   SOLE   0 0 3,463
JOHNSON & JOHNSON COM 478160104   801,225 4,536 SH   SOLE   0 0 4,536
LOWES COS INC COM 548661107   398,480 2,000 SH   SOLE   0 0 2,000
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106   230,313 4,587 SH   SOLE   0 0 4,587
MERCK & CO INC COM 58933Y105   482,854 4,352 SH   SOLE   0 0 4,352
MICROSOFT CORP COM 594918104   1,746,332 7,282 SH   SOLE   0 0 7,282
NEXTERA ENERGY INC COM 65339F101   2,800,998 33,505 SH   SOLE   0 0 33,505
NORFOLK SOUTHN CORP COM 655844108   915,450 3,715 SH   SOLE   0 0 3,715
ONEOK INC NEW COM 682680103   243,850 3,712 SH   SOLE   0 0 3,712
PACER FDS TR PACER US SMALL 69374H857   753,778 20,967 SH   SOLE   0 0 20,967
PACER FDS TR US CASH COWS 100 69374H881   1,023,211 22,123 SH   SOLE   0 0 22,123
PEPSICO INC COM 713448108   295,198 1,634 SH   SOLE   0 0 1,634
PFIZER INC COM 717081103   336,047 6,558 SH   SOLE   0 0 6,558
PROCTER AND GAMBLE CO COM 742718109   202,787 1,338 SH   SOLE   0 0 1,338
ROYAL BK CDA SUSTAINABL COM 780087102   207,408 2,206 SH   SOLE   0 0 2,206
SPDR S&P 500 ETF TR TR UNIT 78462F103   12,618,110 32,995 SH   SOLE   0 0 32,995
SPDR GOLD TR GOLD SHS 78463V107   1,504,876 8,871 SH   SOLE   0 0 8,871
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   276,534 8,390 SH   SOLE   0 0 8,390
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   1,344,667 23,582 SH   SOLE   0 0 23,582
SPDR SER TR S&P 600 SMCP VAL 78464A300   710,503 9,573 SH   SOLE   0 0 9,573
SPDR SER TR S&P DIVID ETF 78464A763   4,392,271 35,107 SH   SOLE   0 0 35,107
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   4,658,462 10,521 SH   SOLE   0 0 10,521
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   2,995,552 66,850 SH   SOLE   0 0 66,850
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   829,640 18,375 SH   SOLE   0 0 18,375
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   206,446 3,127 SH   SOLE   0 0 3,127
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   233,934 3,566 SH   SOLE   0 0 3,566
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,291,185 31,873 SH   SOLE   0 0 31,873
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,108,175 46,818 SH   SOLE   0 0 46,818
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   638,830 25,780 SH   SOLE   0 0 25,780
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   3,544,531 121,931 SH   SOLE   0 0 121,931
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   14,150,630 264,795 SH   SOLE   0 0 264,795
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   475,276 6,292 SH   SOLE   0 0 6,292
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   5,138,065 159,518 SH   SOLE   0 0 159,518
SCHWAB STRATEGIC TR US REIT ETF 808524847   8,244,065 427,375 SH   SOLE   0 0 427,375
SELECT SECTOR SPDR TR ENERGY 81369Y506   389,122 4,449 SH   SOLE   0 0 4,449
SOUTHERN CO COM 842587107   551,214 7,719 SH   SOLE   0 0 7,719
TESLA INC COM 88160R101   266,438 2,163 SH   SOLE   0 0 2,163
3M CO COM 88579Y101   285,050 2,377 SH   SOLE   0 0 2,377
UNION PAC CORP COM 907818108   752,078 3,632 SH   SOLE   0 0 3,632
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   24,644,960 162,298 SH   SOLE   0 0 162,298
VANGUARD WORLD FD ESG US STK ETF 921910733   295,720 4,490 SH   SOLE   0 0 4,490
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,318,387 55,239 SH   SOLE   0 0 55,239
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   264,521 2,445 SH   SOLE   0 0 2,445
VANGUARD WORLD FDS ENERGY ETF 92204A306   260,752 2,150 SH   SOLE   0 0 2,150
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   13,391,558 267,083 SH   SOLE   0 0 267,083
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   670,533 17,202 SH   SOLE   0 0 17,202
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   7,331,606 97,508 SH   SOLE   0 0 97,508
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,236,219 15,949 SH   SOLE   0 0 15,949
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   7,576,928 153,100 SH   SOLE   0 0 153,100
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   326,410 929 SH   SOLE   0 0 929
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   11,949,754 144,881 SH   SOLE   0 0 144,881
VANGUARD INDEX FDS SM CP VAL ETF 922908611   6,085,484 38,322 SH   SOLE   0 0 38,322
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   16,582,374 124,811 SH   SOLE   0 0 124,811
VANGUARD INDEX FDS GROWTH ETF 922908736   234,751 1,102 SH   SOLE   0 0 1,102
VANGUARD INDEX FDS VALUE ETF 922908744   13,054,596 93,001 SH   SOLE   0 0 93,001
VANGUARD INDEX FDS SMALL CP ETF 922908751   259,134 1,412 SH   SOLE   0 0 1,412
VANGUARD INDEX FDS TOTAL STK MKT 922908769   11,787,410 61,653 SH   SOLE   0 0 61,653
WALMART INC COM 931142103   221,476 1,562 SH   SOLE   0 0 1,562
WEBSTER FINL CORP COM 947890109   241,103 5,093 SH   SOLE   0 0 5,093