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 418 2,353 SH   SOLE 0 0 0 2,353
ABBOTT LABS COM 002824100 664 4,720 SH   SOLE 0 0 0 4,720
ABBVIE INC COM 00287Y109 490 3,615 SH   SOLE 0 0 0 3,615
ABIOMED INC COM 003654100 359 1,000 SH   SOLE 0 0 0 1,000
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,022 2,466 SH   SOLE 0 0 0 2,466
ADOBE SYSTEMS INCORPORATED COM 00724F101 726 1,281 SH   SOLE 0 0 0 1,281
ALLEGION PLC ORD SHS G0176J109 309 2,333 SH   SOLE 0 0 0 2,333
ALPHABET INC CAP STK CL C 02079K107 2,141 740 SH   SOLE 0 0 0 740
ALPHABET INC CAP STK CL A 02079K305 2,880 994 SH   SOLE 0 0 0 994
AMAZON COM INC COM 023135106 927 278 SH   SOLE 0 0 0 278
AMERICAN ELEC PWR CO INC COM 025537101 207 2,326 SH   SOLE 0 0 0 2,326
AMERICAN EXPRESS CO COM 025816109 723 4,418 SH   SOLE 0 0 0 4,418
AMGEN INC COM 031162100 752 3,342 SH   SOLE 0 0 0 3,342
APPLE INC COM 037833100 11,405 64,231 SH   SOLE 0 0 0 64,231
AUTOMATIC DATA PROCESSING IN COM 053015103 726 2,945 SH   SOLE 0 0 0 2,945
BANK NEW YORK MELLON CORP COM 064058100 347 5,980 SH   SOLE 0 0 0 5,980
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 1,015 35,379 SH   SOLE 0 0 0 35,379
BARCLAYS BANK PLC IPTH SR B S&P 06747R477 290 15,628 SH   SOLE 0 0 0 15,628
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,357 4,538 SH   SOLE 0 0 0 4,538
BIOGEN INC COM 09062X103 963 4,013 SH   SOLE 0 0 0 4,013
BLACKROCK INC COM 09247X101 444 485 SH   SOLE 0 0 0 485
BOSTON BEER INC CL A 100557107 202 400 SH   SOLE 0 0 0 400
BRISTOL-MYERS SQUIBB CO COM 110122108 1,619 25,972 SH   SOLE 0 0 0 25,972
BROWN FORMAN CORP CL B 115637209 228 3,125 SH   SOLE 0 0 0 3,125
CARLISLE COS INC COM 142339100 525 2,115 SH   SOLE 0 0 0 2,115
CHEWY INC CL A 16679L109 340 5,758 SH   SOLE 0 0 0 5,758
CIGNA CORP NEW COM 125523100 476 2,073 SH   SOLE 0 0 0 2,073
CINTAS CORP COM 172908105 361 815 SH   SOLE 0 0 0 815
CISCO SYS INC COM 17275R102 1,647 25,988 SH   SOLE 0 0 0 25,988
COCA COLA CO COM 191216100 736 12,438 SH   SOLE 0 0 0 12,438
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 398 4,485 SH   SOLE 0 0 0 4,485
COLGATE PALMOLIVE CO COM 194162103 307 3,600 SH   SOLE 0 0 0 3,600
CONSTELLATION BRANDS INC CL A 21036P108 335 1,335 SH   SOLE 0 0 0 1,335
COSTCO WHSL CORP NEW COM 22160K105 3,838 6,761 SH   SOLE 0 0 0 6,761
CSX CORP COM 126408103 306 8,130 SH   SOLE 0 0 0 8,130
CVS HEALTH CORP COM 126650100 1,632 15,822 SH   SOLE 0 0 0 15,822
DANAHER CORPORATION COM 235851102 937 2,847 SH   SOLE 0 0 0 2,847
DEERE & CO COM 244199105 255 742 SH   SOLE 0 0 0 742
DIAGEO PLC SPON ADR NEW 25243Q205 664 3,015 SH   SOLE 0 0 0 3,015
DIGITAL RLTY TR INC COM 253868103 354 2,000 SH   SOLE 0 0 0 2,000
DISNEY WALT CO COM 254687106 932 6,016 SH   SOLE 0 0 0 6,016
DOMINION ENERGY INC COM 25746U109 314 3,994 SH   SOLE 0 0 0 3,994
DUPONT DE NEMOURS INC COM 26614N102 897 11,098 SH   SOLE 0 0 0 11,098
EATON CORP PLC SHS G29183103 483 2,795 SH   SOLE 0 0 0 2,795
ELECTRONIC ARTS INC COM 285512109 275 2,085 SH   SOLE 0 0 0 2,085
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 114 13,876 SH   SOLE 0 0 0 13,876
ERICSSON ADR B SEK 10 294821608 239 21,954 SH   SOLE 0 0 0 21,954
ETF MANAGERS TR PRIME CYBR SCRTY 26924G201 261 4,253 SH   SOLE 0 0 0 4,253
EXPRESS INC COM 30219E103 61 19,723 SH   SOLE 0 0 0 19,723
EXXON MOBIL CORP COM 30231G102 433 7,070 SH   SOLE 0 0 0 7,070
FACTSET RESH SYS INC COM 303075105 520 1,070 SH   SOLE 0 0 0 1,070
FIDELITY MERRIMACK STR TR LOW DURTIN ETF 316188408 498 9,830 SH   SOLE 0 0 0 9,830
GARMIN LTD SHS H2906T109 872 6,405 SH   SOLE 0 0 0 6,405
GENERAL ELECTRIC CO COM NEW 369604301 802 8,487 SH   SOLE 0 0 0 8,487
GLOBAL X FDS ARTIFICIAL ETF 37954Y632 267 8,406 SH   SOLE 0 0 0 8,406
HOME DEPOT INC COM 437076102 2,463 5,934 SH   SOLE 0 0 0 5,934
INTEL CORP COM 458140100 626 12,153 SH   SOLE 0 0 0 12,153
INTUITIVE SURGICAL INC COM NEW 46120E602 1,617 4,500 SH   SOLE 0 0 0 4,500
INVESCO ACTIVLY MANGD ETC FD OPTIMUM YIELD 46090F100 212 15,108 SH   SOLE 0 0 0 15,108
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 492 23,007 SH   SOLE 0 0 0 23,007
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 651 30,335 SH   SOLE 0 0 0 30,335
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 424 19,430 SH   SOLE 0 0 0 19,430
ISHARES GOLD TR ISHARES NEW 464285204 3,775 108,446 SH   SOLE 0 0 0 108,446
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107 333 19,490 SH   SOLE 0 0 0 19,490
ISHARES TR 3 7 YR TREAS BD 464288661 10,447 81,192 SH   SOLE 0 0 0 81,192
ISHARES TR NATIONAL MUN ETF 464288414 321 2,760 SH   SOLE 0 0 0 2,760
ISHARES TR EAFE SML CP ETF 464288273 1,620 22,169 SH   SOLE 0 0 0 22,169
ISHARES TR ISHS 1-5YR INVS 464288646 576 10,689 SH   SOLE 0 0 0 10,689
ISHARES TR CORE DIV GRWTH 46434V621 279 5,016 SH   SOLE 0 0 0 5,016
ISHARES TR 0-5YR INVT GR CP 46434V100 691 13,534 SH   SOLE 0 0 0 13,534
ISHARES TR FLTG RATE NT ETF 46429B655 312 6,160 SH   SOLE 0 0 0 6,160
ISHARES TR MSCI ACWI ETF 464288257 715 6,758 SH   SOLE 0 0 0 6,758
ISHARES TR SHRT NAT MUN ETF 464288158 1,491 13,889 SH   SOLE 0 0 0 13,889
ISHARES TR EAFE VALUE ETF 464288877 1,798 35,683 SH   SOLE 0 0 0 35,683
ISHARES TR EAFE GRWTH ETF 464288885 201 1,825 SH   SOLE 0 0 0 1,825
ISHARES TR SELECT DIVID ETF 464287168 1,780 14,520 SH   SOLE 0 0 0 14,520
ISHARES TR TIPS BD ETF 464287176 1,561 12,079 SH   SOLE 0 0 0 12,079
ISHARES TR MSCI AC ASIA ETF 464288182 248 3,000 SH   SOLE 0 0 0 3,000
ISHARES TR CORE US AGGBD ET 464287226 302 2,648 SH   SOLE 0 0 0 2,648
ISHARES TR CORE S&P SCP ETF 464287804 539 4,706 SH   SOLE 0 0 0 4,706
ISHARES TR S&P 500 VAL ETF 464287408 1,651 10,544 SH   SOLE 0 0 0 10,544
ISHARES TR CORE S&P500 ETF 464287200 1,350 2,830 SH   SOLE 0 0 0 2,830
ISHARES TR RUSSELL 2000 ETF 464287655 1,847 8,305 SH   SOLE 0 0 0 8,305
ISHARES TR RUS 2000 VAL ETF 464287630 1,904 11,469 SH   SOLE 0 0 0 11,469
ISHARES TR U.S. REAL ES ETF 464287739 3,962 34,111 SH   SOLE 0 0 0 34,111
ISHARES TR MSCI EAFE ETF 464287465 264 3,361 SH   SOLE 0 0 0 3,361
ISHARES TR ISHARES BIOTECH 464287556 639 4,185 SH   SOLE 0 0 0 4,185
ISHARES TR 1 3 YR TREAS BD 464287457 923 10,795 SH   SOLE 0 0 0 10,795
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 895 17,720 SH   SOLE 0 0 0 17,720
JOHNSON & JOHNSON COM 478160104 1,715 10,028 SH   SOLE 0 0 0 10,028
JPMORGAN CHASE & CO COM 46625H100 1,172 7,403 SH   SOLE 0 0 0 7,403
KINDER MORGAN INC DEL COM 49456B101 863 54,417 SH   SOLE 0 0 0 54,417
KLA CORP COM NEW 482480100 232 540 SH   SOLE 0 0 0 540
L3HARRIS TECHNOLOGIES INC COM 502431109 234 1,097 SH   SOLE 0 0 0 1,097
LOWES COS INC COM 548661107 866 3,350 SH   SOLE 0 0 0 3,350
MCDONALDS CORP COM 580135101 839 3,129 SH   SOLE 0 0 0 3,129
MERCK & CO INC COM 58933Y105 556 7,261 SH   SOLE 0 0 0 7,261
META PLATFORMS INC CL A 30303M102 741 2,202 SH   SOLE 0 0 0 2,202
MICROSOFT CORP COM 594918104 3,445 10,243 SH   SOLE 0 0 0 10,243
MID-AMER APT CMNTYS INC COM 59522J103 329 1,435 SH   SOLE 0 0 0 1,435
MONDELEZ INTL INC CL A 609207105 211 3,177 SH   SOLE 0 0 0 3,177
NETFLIX INC COM 64110L106 344 571 SH   SOLE 0 0 0 571
NEXTERA ENERGY INC COM 65339F101 1,846 19,768 SH   SOLE 0 0 0 19,768
NIKE INC CL B 654106103 659 3,955 SH   SOLE 0 0 0 3,955
NOKIA CORP SPONSORED ADR 654902204 232 37,364 SH   SOLE 0 0 0 37,364
NORTHROP GRUMMAN CORP COM 666807102 416 1,076 SH   SOLE 0 0 0 1,076
NOVARTIS AG SPONSORED ADR 66987V109 440 5,034 SH   SOLE 0 0 0 5,034
ORACLE CORP COM 68389X105 480 5,500 SH   SOLE 0 0 0 5,500
PARKER-HANNIFIN CORP COM 701094104 587 1,844 SH   SOLE 0 0 0 1,844
PAYPAL HLDGS INC COM 70450Y103 429 2,275 SH   SOLE 0 0 0 2,275
PEPSICO INC COM 713448108 1,628 9,375 SH   SOLE 0 0 0 9,375
PFIZER INC COM 717081103 663 11,227 SH   SOLE 0 0 0 11,227
PNC FINL SVCS GROUP INC COM 693475105 1,181 5,891 SH   SOLE 0 0 0 5,891
PROCTER AND GAMBLE CO COM 742718109 963 5,884 SH   SOLE 0 0 0 5,884
PROLOGIS INC. COM 74340W103 743 4,416 SH   SOLE 0 0 0 4,416
QUALCOMM INC COM 747525103 1,535 8,396 SH   SOLE 0 0 0 8,396
RAYTHEON TECHNOLOGIES CORP COM 75513E101 701 8,144 SH   SOLE 0 0 0 8,144
REPUBLIC SVCS INC COM 760759100 376 2,695 SH   SOLE 0 0 0 2,695
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 328 7,551 SH   SOLE 0 0 0 7,551
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 726 18,583 SH   SOLE 0 0 0 18,583
SONY GROUP CORPORATION SPONSORED ADR 835699307 874 6,914 SH   SOLE 0 0 0 6,914
SPDR GOLD TR GOLD SHS 78463V107 374 2,188 SH   SOLE 0 0 0 2,188
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 1,177 33,070 SH   SOLE 0 0 0 33,070
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 315 5,577 SH   SOLE 0 0 0 5,577
SPDR S&P 500 ETF TR TR UNIT 78462F103 562 1,183 SH   SOLE 0 0 0 1,183
SPDR SER TR NUVEEN BLMBRG SH 78468R739 409 8,326 SH   SOLE 0 0 0 8,326
SPDR SER TR BLOOMBERG SHORT 78464A334 384 12,630 SH   SOLE 0 0 0 12,630
STARBUCKS CORP COM 855244109 899 7,689 SH   SOLE 0 0 0 7,689
STRYKER CORPORATION COM 863667101 503 1,880 SH   SOLE 0 0 0 1,880
TARGET CORP COM 87612E106 684 2,957 SH   SOLE 0 0 0 2,957
TELEPHONE & DATA SYS INC COM NEW 879433829 1,929 95,710 SH   SOLE 0 0 0 95,710
TESLA INC COM 88160R101 743 703 SH   SOLE 0 0 0 703
THERMO FISHER SCIENTIFIC INC COM 883556102 615 922 SH   SOLE 0 0 0 922
TJX COS INC NEW COM 872540109 431 5,680 SH   SOLE 0 0 0 5,680
TORONTO DOMINION BK ONT COM NEW 891160509 718 9,366 SH   SOLE 0 0 0 9,366
TRAVELERS COMPANIES INC COM 89417E109 387 2,475 SH   SOLE 0 0 0 2,475
UNILEVER PLC SPON ADR NEW 904767704 237 4,400 SH   SOLE 0 0 0 4,400
UNITEDHEALTH GROUP INC COM 91324P102 579 1,154 SH   SOLE 0 0 0 1,154
V F CORP COM 918204108 251 3,425 SH   SOLE 0 0 0 3,425
VANECK ETF TRUST VANECK SHRT MUNI 92189F528 1,025 57,228 SH   SOLE 0 0 0 57,228
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,343 16,617 SH   SOLE 0 0 0 16,617
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 232 1,998 SH   SOLE 0 0 0 1,998
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,168 21,267 SH   SOLE 0 0 0 21,267
VERIZON COMMUNICATIONS INC COM 92343V104 577 11,105 SH   SOLE 0 0 0 11,105
VIACOMCBS INC CL B 92556H206 494 16,371 SH   SOLE 0 0 0 16,371
VISA INC COM CL A 92826C839 1,131 5,221 SH   SOLE 0 0 0 5,221
WALMART INC COM 931142103 432 2,987 SH   SOLE 0 0 0 2,987
WEC ENERGY GROUP INC COM 92939U106 414 4,265 SH   SOLE 0 0 0 4,265
WILLIS TOWERS WATSON PLC LTD SHS G96629103 299 1,260 SH   SOLE 0 0 0 1,260
WISDOMTREE TR US MIDCAP DIVID 97717W505 211 4,756 SH   SOLE 0 0 0 4,756
YUM BRANDS INC COM 988498101 705 5,076 SH   SOLE 0 0 0 5,076
YUM CHINA HLDGS INC COM 98850P109 251 5,038 SH   SOLE 0 0 0 5,038