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 335 2,253 SH   SOLE 0 0 0 2,253
ABBOTT LABS COM 002824100 548 4,631 SH   SOLE 0 0 0 4,631
ABBVIE INC COM 00287Y109 451 2,780 SH   SOLE 0 0 0 2,780
ABIOMED INC COM 003654100 331 1,000 SH   SOLE 0 0 0 1,000
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 784 2,324 SH   SOLE 0 0 0 2,324
ADOBE SYSTEMS INCORPORATED COM 00724F101 584 1,281 SH   SOLE 0 0 0 1,281
ALLEGION PLC ORD SHS G0176J109 256 2,333 SH   SOLE 0 0 0 2,333
ALPHABET INC CAP STK CL C 02079K107 2,067 740 SH   SOLE 0 0 0 740
ALPHABET INC CAP STK CL A 02079K305 2,787 1,002 SH   SOLE 0 0 0 1,002
AMAZON COM INC COM 023135106 867 266 SH   SOLE 0 0 0 266
AMERICAN ELEC PWR CO INC COM 025537101 232 2,326 SH   SOLE 0 0 0 2,326
AMERICAN EXPRESS CO COM 025816109 826 4,418 SH   SOLE 0 0 0 4,418
AMGEN INC COM 031162100 799 3,303 SH   SOLE 0 0 0 3,303
APPLE INC COM 037833100 10,751 61,574 SH   SOLE 0 0 0 61,574
AT&T INC COM 00206R102 572 24,189 SH   SOLE 0 0 0 24,189
AUTOMATIC DATA PROCESSING IN COM 053015103 707 3,105 SH   SOLE 0 0 0 3,105
BANK NEW YORK MELLON CORP COM 064058100 314 6,325 SH   SOLE 0 0 0 6,325
BARCLAYS BANK PLC IPTH SR B S&P 06747R477 217 8,441 SH   SOLE 0 0 0 8,441
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 996 26,986 SH   SOLE 0 0 0 26,986
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,631 4,622 SH   SOLE 0 0 0 4,622
BIOGEN INC COM 09062X103 969 4,599 SH   SOLE 0 0 0 4,599
BLACKROCK INC COM 09247X101 368 482 SH   SOLE 0 0 0 482
BRISTOL-MYERS SQUIBB CO COM 110122108 1,832 25,081 SH   SOLE 0 0 0 25,081
BROWN FORMAN CORP CL B 115637209 209 3,125 SH   SOLE 0 0 0 3,125
CARLISLE COS INC COM 142339100 496 2,015 SH   SOLE 0 0 0 2,015
CIGNA CORP NEW COM 125523100 497 2,073 SH   SOLE 0 0 0 2,073
CINTAS CORP COM 172908105 371 872 SH   SOLE 0 0 0 872
CISCO SYS INC COM 17275R102 1,451 26,019 SH   SOLE 0 0 0 26,019
COCA COLA CO COM 191216100 763 12,313 SH   SOLE 0 0 0 12,313
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 423 4,715 SH   SOLE 0 0 0 4,715
COLGATE PALMOLIVE CO COM 194162103 273 3,600 SH   SOLE 0 0 0 3,600
CONSTELLATION BRANDS INC CL A 21036P108 307 1,335 SH   SOLE 0 0 0 1,335
COSTCO WHSL CORP NEW COM 22160K105 3,865 6,711 SH   SOLE 0 0 0 6,711
CSX CORP COM 126408103 304 8,130 SH   SOLE 0 0 0 8,130
CVS HEALTH CORP COM 126650100 1,542 15,240 SH   SOLE 0 0 0 15,240
DANAHER CORPORATION COM 235851102 838 2,858 SH   SOLE 0 0 0 2,858
DEERE & CO COM 244199105 308 742 SH   SOLE 0 0 0 742
DIAGEO PLC SPON ADR NEW 25243Q205 612 3,015 SH   SOLE 0 0 0 3,015
DIGITAL RLTY TR INC COM 253868103 284 2,000 SH   SOLE 0 0 0 2,000
DISNEY WALT CO COM 254687106 827 6,029 SH   SOLE 0 0 0 6,029
DOMINION ENERGY INC COM 25746U109 339 3,994 SH   SOLE 0 0 0 3,994
DUPONT DE NEMOURS INC COM 26614N102 903 12,274 SH   SOLE 0 0 0 12,274
EATON CORP PLC SHS G29183103 407 2,685 SH   SOLE 0 0 0 2,685
ELECTRONIC ARTS INC COM 285512109 266 2,105 SH   SOLE 0 0 0 2,105
ENTERPRISE PRODS PARTNERS L COM 293792107 216 8,370 SH   SOLE 0 0 0 8,370
ETF MANAGERS TR PRIME CYBR SCRTY 26924G201 250 4,257 SH   SOLE 0 0 0 4,257
EXPRESS INC COM 30219E103 60 16,723 SH   SOLE 0 0 0 16,723
EXXON MOBIL CORP COM 30231G102 398 4,813 SH   SOLE 0 0 0 4,813
FACTSET RESH SYS INC COM 303075105 465 1,070 SH   SOLE 0 0 0 1,070
FIDELITY MERRIMACK STR TR LOW DURTIN ETF 316188408 493 9,830 SH   SOLE 0 0 0 9,830
FIFTH THIRD BANCORP COM 316773100 225 5,239 SH   SOLE 0 0 0 5,239
GARMIN LTD SHS H2906T109 903 7,613 SH   SOLE 0 0 0 7,613
GENERAL ELECTRIC CO COM NEW 369604301 835 9,128 SH   SOLE 0 0 0 9,128
GLOBAL X FDS ARTIFICIAL ETF 37954Y632 227 8,410 SH   SOLE 0 0 0 8,410
HOME DEPOT INC COM 437076102 1,821 6,084 SH   SOLE 0 0 0 6,084
INTEL CORP COM 458140100 639 12,898 SH   SOLE 0 0 0 12,898
INTUITIVE SURGICAL INC COM NEW 46120E602 1,358 4,500 SH   SOLE 0 0 0 4,500
INVESCO ACTIVLY MANGD ETC FD OPTIMUM YIELD 46090F100 295 16,732 SH   SOLE 0 0 0 16,732
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 1,295 37,557 SH   SOLE 0 0 0 37,557
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 489 23,007 SH   SOLE 0 0 0 23,007
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 640 30,335 SH   SOLE 0 0 0 30,335
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 409 19,430 SH   SOLE 0 0 0 19,430
ISHARES GOLD TR ISHARES NEW 464285204 4,033 109,511 SH   SOLE 0 0 0 109,511
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107 250 11,035 SH   SOLE 0 0 0 11,035
ISHARES TR 3 7 YR TREAS BD 464288661 19,317 158,275 SH   SOLE 0 0 0 158,275
ISHARES TR NATIONAL MUN ETF 464288414 490 4,465 SH   SOLE 0 0 0 4,465
ISHARES TR EAFE SML CP ETF 464288273 505 7,605 SH   SOLE 0 0 0 7,605
ISHARES TR MSCI ACWI ETF 464288257 807 8,091 SH   SOLE 0 0 0 8,091
ISHARES TR SHRT NAT MUN ETF 464288158 1,554 14,861 SH   SOLE 0 0 0 14,861
ISHARES TR ISHS 1-5YR INVS 464288646 727 14,065 SH   SOLE 0 0 0 14,065
ISHARES TR CORE DIV GRWTH 46434V621 280 5,241 SH   SOLE 0 0 0 5,241
ISHARES TR 0-5YR INVT GR CP 46434V100 668 13,534 SH   SOLE 0 0 0 13,534
ISHARES TR EAFE VALUE ETF 464288877 1,977 39,343 SH   SOLE 0 0 0 39,343
ISHARES TR MSCI AC ASIA ETF 464288182 225 3,000 SH   SOLE 0 0 0 3,000
ISHARES TR SELECT DIVID ETF 464287168 2,285 17,836 SH   SOLE 0 0 0 17,836
ISHARES TR TIPS BD ETF 464287176 1,505 12,079 SH   SOLE 0 0 0 12,079
ISHARES TR CORE US AGGBD ET 464287226 396 3,693 SH   SOLE 0 0 0 3,693
ISHARES TR CORE S&P SCP ETF 464287804 510 4,732 SH   SOLE 0 0 0 4,732
ISHARES TR S&P 500 VAL ETF 464287408 1,978 12,702 SH   SOLE 0 0 0 12,702
ISHARES TR CORE S&P500 ETF 464287200 1,020 2,249 SH   SOLE 0 0 0 2,249
ISHARES TR RUSSELL 2000 ETF 464287655 619 3,014 SH   SOLE 0 0 0 3,014
ISHARES TR RUS 2000 VAL ETF 464287630 2,010 12,456 SH   SOLE 0 0 0 12,456
ISHARES TR U.S. REAL ES ETF 464287739 3,980 36,775 SH   SOLE 0 0 0 36,775
ISHARES TR ISHARES BIOTECH 464287556 636 4,881 SH   SOLE 0 0 0 4,881
ISHARES TR 1 3 YR TREAS BD 464287457 1,197 14,362 SH   SOLE 0 0 0 14,362
ISHARES TR BARCLAYS 7 10 YR 464287440 298 2,774 SH   SOLE 0 0 0 2,774
ISHARES TR 20 YR TR BD ETF 464287432 292 2,208 SH   SOLE 0 0 0 2,208
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 820 16,305 SH   SOLE 0 0 0 16,305
JOHNSON & JOHNSON COM 478160104 1,803 10,174 SH   SOLE 0 0 0 10,174
JPMORGAN CHASE & CO COM 46625H100 1,044 7,656 SH   SOLE 0 0 0 7,656
KINDER MORGAN INC DEL COM 49456B101 1,054 55,715 SH   SOLE 0 0 0 55,715
KLA CORP COM NEW 482480100 208 569 SH   SOLE 0 0 0 569
L3HARRIS TECHNOLOGIES INC COM 502431109 276 1,111 SH   SOLE 0 0 0 1,111
LEIDOS HOLDINGS INC COM 525327102 205 1,900 SH   SOLE 0 0 0 1,900
LENNAR CORP CL A 526057104 749 9,223 SH   SOLE 0 0 0 9,223
LITHIA MTRS INC COM 536797103 798 2,659 SH   SOLE 0 0 0 2,659
LOWES COS INC COM 548661107 657 3,250 SH   SOLE 0 0 0 3,250
MCDONALDS CORP COM 580135101 791 3,199 SH   SOLE 0 0 0 3,199
MERCK & CO INC COM 58933Y105 596 7,261 SH   SOLE 0 0 0 7,261
META PLATFORMS INC CL A 30303M102 512 2,302 SH   SOLE 0 0 0 2,302
MICROSOFT CORP COM 594918104 2,878 9,333 SH   SOLE 0 0 0 9,333
MID-AMER APT CMNTYS INC COM 59522J103 301 1,435 SH   SOLE 0 0 0 1,435
MONDELEZ INTL INC CL A 609207105 233 3,719 SH   SOLE 0 0 0 3,719
NEXTERA ENERGY INC COM 65339F101 1,641 19,368 SH   SOLE 0 0 0 19,368
NIKE INC CL B 654106103 532 3,955 SH   SOLE 0 0 0 3,955
NORTHROP GRUMMAN CORP COM 666807102 477 1,066 SH   SOLE 0 0 0 1,066
NOVARTIS AG SPONSORED ADR 66987V109 442 5,034 SH   SOLE 0 0 0 5,034
ORACLE CORP COM 68389X105 455 5,500 SH   SOLE 0 0 0 5,500
PARKER-HANNIFIN CORP COM 701094104 525 1,851 SH   SOLE 0 0 0 1,851
PAYPAL HLDGS INC COM 70450Y103 263 2,275 SH   SOLE 0 0 0 2,275
PEPSICO INC COM 713448108 1,565 9,349 SH   SOLE 0 0 0 9,349
PFIZER INC COM 717081103 1,055 20,379 SH   SOLE 0 0 0 20,379
PNC FINL SVCS GROUP INC COM 693475105 1,099 5,956 SH   SOLE 0 0 0 5,956
PROCTER AND GAMBLE CO COM 742718109 888 5,809 SH   SOLE 0 0 0 5,809
PROLOGIS INC. COM 74340W103 728 4,507 SH   SOLE 0 0 0 4,507
QUALCOMM INC COM 747525103 1,283 8,396 SH   SOLE 0 0 0 8,396
RAYTHEON TECHNOLOGIES CORP COM 75513E101 807 8,144 SH   SOLE 0 0 0 8,144
REPUBLIC SVCS INC COM 760759100 357 2,695 SH   SOLE 0 0 0 2,695
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 766 19,998 SH   SOLE 0 0 0 19,998
SHELL PLC SPON ADS 780259305 415 7,551 SH   SOLE 0 0 0 7,551
SKYWORKS SOLUTIONS INC COM 83088M102 523 3,927 SH   SOLE 0 0 0 3,927
SPDR GOLD TR GOLD SHS 78463V107 387 2,143 SH   SOLE 0 0 0 2,143
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 397 7,352 SH   SOLE 0 0 0 7,352
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 1,101 32,273 SH   SOLE 0 0 0 32,273
SPDR S&P 500 ETF TR TR UNIT 78462F103 265 587 SH   SOLE 0 0 0 587
SPDR SER TR NUVEEN BLMBRG SH 78468R739 379 8,000 SH   SOLE 0 0 0 8,000
SPDR SER TR BLOOMBERG SHORT 78464A334 426 14,622 SH   SOLE 0 0 0 14,622
SPDR SER TR S&P DIVID ETF 78464A763 288 2,251 SH   SOLE 0 0 0 2,251
STARBUCKS CORP COM 855244109 742 8,162 SH   SOLE 0 0 0 8,162
STRYKER CORPORATION COM 863667101 503 1,880 SH   SOLE 0 0 0 1,880
TARGET CORP COM 87612E106 628 2,957 SH   SOLE 0 0 0 2,957
TELEPHONE & DATA SYS INC COM NEW 879433829 1,807 95,710 SH   SOLE 0 0 0 95,710
TESLA INC COM 88160R101 758 703 SH   SOLE 0 0 0 703
THERMO FISHER SCIENTIFIC INC COM 883556102 546 925 SH   SOLE 0 0 0 925
TJX COS INC NEW COM 872540109 344 5,680 SH   SOLE 0 0 0 5,680
TORONTO DOMINION BK ONT COM NEW 891160509 744 9,366 SH   SOLE 0 0 0 9,366
TRAVELERS COMPANIES INC COM 89417E109 452 2,475 SH   SOLE 0 0 0 2,475
UNILEVER PLC SPON ADR NEW 904767704 201 4,400 SH   SOLE 0 0 0 4,400
UNITEDHEALTH GROUP INC COM 91324P102 560 1,099 SH   SOLE 0 0 0 1,099
VANECK ETF TRUST VANECK SHRT MUNI 92189F528 1,582 92,490 SH   SOLE 0 0 0 92,490
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,385 17,776 SH   SOLE 0 0 0 17,776
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 223 2,058 SH   SOLE 0 0 0 2,058
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,515 48,787 SH   SOLE 0 0 0 48,787
VERIZON COMMUNICATIONS INC COM 92343V104 598 11,743 SH   SOLE 0 0 0 11,743
VISA INC COM CL A 92826C839 1,169 5,273 SH   SOLE 0 0 0 5,273
WALMART INC COM 931142103 447 3,002 SH   SOLE 0 0 0 3,002
WEC ENERGY GROUP INC COM 92939U106 426 4,265 SH   SOLE 0 0 0 4,265
WILLIS TOWERS WATSON PLC LTD SHS G96629103 298 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
WISDOMTREE TR US SMALLCAP DIVD 97717W604 1,319 41,373 SH   SOLE 0 0 0 41,373
YUM BRANDS INC COM 988498101 602 5,076 SH   SOLE 0 0 0 5,076