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
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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   279,282 1,518 SH   SOLE   0 0 1,518
AT&T INC COM 00206R102   344,341 17,888 SH   SOLE   0 0 17,888
ABBVIE INC COM 00287Y109   252,601 1,585 SH   SOLE   0 0 1,585
ALLSTATE CORP COM 020002101   203,780 1,839 SH   SOLE   0 0 1,839
ALPHABET INC CAP STK CL C 02079K107   557,440 5,360 SH   SOLE   0 0 5,360
ALPHABET INC CAP STK CL A 02079K305   602,153 5,805 SH   SOLE   0 0 5,805
AMAZON COM INC COM 023135106   1,320,769 12,787 SH   SOLE   0 0 12,787
AMERICAN CENTY ETF TR DIVERSIFIED MU 025072505   262,597 5,215 SH   SOLE   0 0 5,215
AMERICAN EXPRESS CO COM 025816109   200,414 1,215 SH   SOLE   0 0 1,215
AMGEN INC COM 031162100   249,653 1,032 SH   SOLE   0 0 1,032
APPLE INC COM 037833100   2,773,119 16,823 SH   SOLE   0 0 16,823
BANK NEW YORK MELLON CORP COM 064058100   245,967 5,413 SH   SOLE   0 0 5,413
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,700,396 5,507 SH   SOLE   0 0 5,507
BOEING CO COM 097023105   244,507 1,151 SH   SOLE   0 0 1,151
BRISTOL-MYERS SQUIBB CO COM 110122108   235,446 3,397 SH   SOLE   0 0 3,397
CHEVRON CORP NEW COM 166764100   1,483,777 9,094 SH   SOLE   0 0 9,094
COCA COLA CO COM 191216100   533,892 8,607 SH   SOLE   0 0 8,607
COSTCO WHSL CORP NEW COM 22160K105   358,208 721 SH   SOLE   0 0 721
CROCS INC COM 227046109   335,572 2,654 SH   SOLE   0 0 2,654
DISNEY WALT CO COM 254687106   213,808 2,135 SH   SOLE   0 0 2,135
ETF SER SOLUTIONS US DIVERSIFIED 26922A511   320,801 11,388 SH   SOLE   0 0 11,388
ENTERPRISE PRODS PARTNERS L COM 293792107   665,734 25,704 SH   SOLE   0 0 25,704
EXXON MOBIL CORP COM 30231G102   1,996,934 18,210 SH   SOLE   0 0 18,210
META PLATFORMS INC CL A 30303M102   2,277,719 10,747 SH   SOLE   0 0 10,747
FLEXSHARES TR QUALT DIVD IDX 33939L860   444,394 8,160 SH   SOLE   0 0 8,160
GENERAL MLS INC COM 370334104   206,813 2,420 SH   SOLE   0 0 2,420
GLOBAL X FDS RATE PREFERRED 37954Y376   229,778 10,052 SH   SOLE   0 0 10,052
GLOBAL X FDS US PFD ETF 37954Y657   483,046 24,323 SH   SOLE   0 0 24,323
HOME DEPOT INC COM 437076102   1,109,071 3,758 SH   SOLE   0 0 3,758
INNOVATOR ETFS TR US EQTY PWR BUF 45782C417   420,240 14,377 SH   SOLE   0 0 14,377
INNOVATOR ETFS TR US EQTY PWR BUF 45782C508   509,076 15,329 SH   SOLE   0 0 15,329
INNOVATOR ETFS TR US EQTY PWR BUF 45782C540   798,232 25,381 SH   SOLE   0 0 25,381
INTERNATIONAL BUSINESS MACHS COM 459200101   496,307 3,786 SH   SOLE   0 0 3,786
ISHARES SILVER TR ISHARES 46428Q109   301,938 13,650 SH   SOLE   0 0 13,650
ISHARES TR CORE S&P500 ETF 464287200   1,048,319 2,550 SH   SOLE   0 0 2,550
ISHARES TR CORE US AGGBD ET 464287226   7,283,103 73,094 SH   SOLE   0 0 73,094
ISHARES TR 20 YR TR BD ETF 464287432   237,205 2,230 SH   SOLE   0 0 2,230
ISHARES TR 7-10 YR TRSY BD 464287440   246,511 2,487 SH   SOLE   0 0 2,487
ISHARES TR MSCI EAFE ETF 464287465   1,196,353 16,728 SH   SOLE   0 0 16,728
ISHARES TR RUS MDCP VAL ETF 464287473   314,352 2,960 SH   SOLE   0 0 2,960
ISHARES TR RUS 1000 ETF 464287622   6,693,234 29,717 SH   SOLE   0 0 29,717
ISHARES TR RUS 2000 VAL ETF 464287630   664,958 4,853 SH   SOLE   0 0 4,853
ISHARES TR RUSSELL 2000 ETF 464287655   2,389,430 13,394 SH   SOLE   0 0 13,394
ISHARES TR CORE S&P US VLU 464287663   656,790 8,902 SH   SOLE   0 0 8,902
ISHARES TR RUSSELL 3000 ETF 464287689   841,267 3,574 SH   SOLE   0 0 3,574
ISHARES TR CORE S&P SCP ETF 464287804   604,518 6,251 SH   SOLE   0 0 6,251
ISHARES TR SHRT NAT MUN ETF 464288158   243,006 2,321 SH   SOLE   0 0 2,321
ISHARES TR GLB INFRASTR ETF 464288372   364,173 7,635 SH   SOLE   0 0 7,635
ISHARES TR NATIONAL MUN ETF 464288414   209,532 1,945 SH   SOLE   0 0 1,945
ISHARES TR US AER DEF ETF 464288760   509,114 4,424 SH   SOLE   0 0 4,424
ISHARES TR CORE HIGH DV ETF 46429B663   365,976 3,600 SH   SOLE   0 0 3,600
ISHARES TR MSCI USA QLT FCT 46432F339   420,100 3,386 SH   SOLE   0 0 3,386
ISHARES TR CORE MSCI TOTAL 46432F834   1,770,725 28,583 SH   SOLE   0 0 28,583
ISHARES TR CORE MSCI EAFE 46432F842   1,671,209 24,999 SH   SOLE   0 0 24,999
ISHARES INC CORE MSCI EMKT 46434G103   1,356,870 27,810 SH   SOLE   0 0 27,810
ISHARES TR MSCI INTL QUALTY 46434V456   450,075 12,750 SH   SOLE   0 0 12,750
ISHARES TR CORE TOTAL USD 46434V613   19,127,834 414,471 SH   SOLE   0 0 414,471
ISHARES TR HDG MSCI EAFE 46434V803   1,322,026 44,860 SH   SOLE   0 0 44,860
ISHARES TR ESG AWRE 1 5 YR 46435G243   283,051 11,764 SH   SOLE   0 0 11,764
ISHARES TR RUSEL 2500 ETF 46435G268   219,280 4,000 SH   SOLE   0 0 4,000
JPMORGAN CHASE & CO COM 46625H100   711,926 5,463 SH   SOLE   0 0 5,463
JOHNSON & JOHNSON COM 478160104   697,761 4,502 SH   SOLE   0 0 4,502
LOWES COS INC COM 548661107   399,940 2,000 SH   SOLE   0 0 2,000
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106   202,553 3,733 SH   SOLE   0 0 3,733
MERCK & CO INC COM 58933Y105   447,796 4,209 SH   SOLE   0 0 4,209
MICROSOFT CORP COM 594918104   2,166,571 7,515 SH   SOLE   0 0 7,515
MORGAN STANLEY COM NEW 617446448   203,516 2,318 SH   SOLE   0 0 2,318
NEXTERA ENERGY INC COM 65339F101   2,677,415 34,736 SH   SOLE   0 0 34,736
NORFOLK SOUTHN CORP COM 655844108   787,580 3,715 SH   SOLE   0 0 3,715
ONEOK INC NEW COM 682680103   204,448 3,218 SH   SOLE   0 0 3,218
PACER FDS TR PACER US SMALL 69374H857   826,271 21,710 SH   SOLE   0 0 21,710
PACER FDS TR US CASH COWS 100 69374H881   1,069,618 22,782 SH   SOLE   0 0 22,782
PEPSICO INC COM 713448108   297,878 1,634 SH   SOLE   0 0 1,634
PFIZER INC COM 717081103   247,351 6,063 SH   SOLE   0 0 6,063
PROCTER AND GAMBLE CO COM 742718109   228,685 1,538 SH   SOLE   0 0 1,538
ROYAL BK CDA SUSTAINABL COM 780087102   239,523 2,506 SH   SOLE   0 0 2,506
SPDR S&P 500 ETF TR TR UNIT 78462F103   13,716,734 33,505 SH   SOLE   0 0 33,505
SPDR GOLD TR GOLD SHS 78463V107   1,778,517 9,707 SH   SOLE   0 0 9,707
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   286,351 8,390 SH   SOLE   0 0 8,390
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   1,320,056 23,122 SH   SOLE   0 0 23,122
SPDR SER TR S&P 600 SMCP VAL 78464A300   760,018 9,977 SH   SOLE   0 0 9,977
SPDR SER TR S&P DIVID ETF 78464A763   4,337,659 35,063 SH   SOLE   0 0 35,063
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   4,758,405 10,380 SH   SOLE   0 0 10,380
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   3,211,967 67,126 SH   SOLE   0 0 67,126
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   887,226 18,342 SH   SOLE   0 0 18,342
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   206,319 3,146 SH   SOLE   0 0 3,146
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   262,352 3,867 SH   SOLE   0 0 3,867
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,414,873 33,744 SH   SOLE   0 0 33,744
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,131,763 46,157 SH   SOLE   0 0 46,157
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   639,633 24,554 SH   SOLE   0 0 24,554
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   3,880,135 124,085 SH   SOLE   0 0 124,085
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   14,195,421 258,475 SH   SOLE   0 0 258,475
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   539,833 7,379 SH   SOLE   0 0 7,379
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   5,684,042 163,335 SH   SOLE   0 0 163,335
SCHWAB STRATEGIC TR US REIT ETF 808524847   8,549,711 438,447 SH   SOLE   0 0 438,447
SELECT SECTOR SPDR TR ENERGY 81369Y506   372,302 4,495 SH   SOLE   0 0 4,495
SOUTHERN CO COM 842587107   523,520 7,524 SH   SOLE   0 0 7,524
TARGET CORP COM 87612E106   208,197 1,257 SH   SOLE   0 0 1,257
TESLA INC COM 88160R101   450,366 2,170 SH   SOLE   0 0 2,170
3M CO COM 88579Y101   310,810 2,957 SH   SOLE   0 0 2,957
374WATER INC COM 88583P104   202,408 42,883 SH   SOLE   0 0 42,883
TORONTO DOMINION BK ONT COM NEW 891160509   224,026 3,740 SH   SOLE   0 0 3,740
UMH PPTYS INC COM 903002103   167,083 11,297 SH   SOLE   0 0 11,297
UNION PAC CORP COM 907818108   730,976 3,632 SH   SOLE   0 0 3,632
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   24,580,942 159,606 SH   SOLE   0 0 159,606
VANGUARD WORLD FD ESG US STK ETF 921910733   317,468 4,427 SH   SOLE   0 0 4,427
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,502,923 55,411 SH   SOLE   0 0 55,411
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   237,260 2,249 SH   SOLE   0 0 2,249
VANGUARD WORLD FDS ENERGY ETF 92204A306   245,595 2,150 SH   SOLE   0 0 2,150
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   13,953,883 260,967 SH   SOLE   0 0 260,967
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   604,001 14,951 SH   SOLE   0 0 14,951
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   7,611,166 99,845 SH   SOLE   0 0 99,845
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,181,235 14,725 SH   SOLE   0 0 14,725
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   7,890,200 155,748 SH   SOLE   0 0 155,748
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   480,178 1,277 SH   SOLE   0 0 1,277
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   12,085,920 145,543 SH   SOLE   0 0 145,543
VANGUARD INDEX FDS SM CP VAL ETF 922908611   6,136,456 38,652 SH   SOLE   0 0 38,652
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   17,493,743 124,777 SH   SOLE   0 0 124,777
VANGUARD INDEX FDS GROWTH ETF 922908736   275,257 1,104 SH   SOLE   0 0 1,104
VANGUARD INDEX FDS VALUE ETF 922908744   13,472,398 97,548 SH   SOLE   0 0 97,548
VANGUARD INDEX FDS SMALL CP ETF 922908751   268,713 1,418 SH   SOLE   0 0 1,418
VANGUARD INDEX FDS TOTAL STK MKT 922908769   12,843,690 62,928 SH   SOLE   0 0 62,928
WALMART INC COM 931142103   230,317 1,562 SH   SOLE   0 0 1,562
WEBSTER FINL CORP COM 947890109   200,766 5,093 SH   SOLE   0 0 5,093