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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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
3M CO COM 88579Y101   262,985 2,193 SH   SOLE 0 0 0 2,193
ABBOTT LABS COM 002824100   498,556 4,541 SH   SOLE 0 0 0 4,541
ABBVIE INC COM 00287Y109   443,832 2,746 SH   SOLE 0 0 0 2,746
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   609,463 2,284 SH   SOLE 0 0 0 2,284
ADOBE SYSTEMS INCORPORATED COM 00724F101   392,394 1,166 SH   SOLE 0 0 0 1,166
ALLEGION PLC ORD SHS G0176J109   245,572 2,333 SH   SOLE 0 0 0 2,333
ALPHABET INC CAP STK CL C 02079K107   1,295,458 14,600 SH   SOLE 0 0 0 14,600
ALPHABET INC CAP STK CL A 02079K305   1,743,337 19,759 SH   SOLE 0 0 0 19,759
AMAZON COM INC COM 023135106   428,400 5,100 SH   SOLE 0 0 0 5,100
AMERICAN ELEC PWR CO INC COM 025537101   215,537 2,270 SH   SOLE 0 0 0 2,270
AMERICAN EXPRESS CO COM 025816109   652,760 4,418 SH   SOLE 0 0 0 4,418
AMGEN INC COM 031162100   867,915 3,305 SH   SOLE 0 0 0 3,305
APPLE INC COM 037833100   7,716,523 59,390 SH   SOLE 0 0 0 59,390
AT&T INC COM 00206R102   451,241 24,511 SH   SOLE 0 0 0 24,511
AUTOMATIC DATA PROCESSING IN COM 053015103   685,050 2,868 SH   SOLE 0 0 0 2,868
BANK NEW YORK MELLON CORP COM 064058100   287,914 6,325 SH   SOLE 0 0 0 6,325
BARCLAYS BANK PLC IPTH SR B S&P 06747R477   148,232 10,498 SH   SOLE 0 0 0 10,498
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,539,558 4,984 SH   SOLE 0 0 0 4,984
BIOGEN INC COM 09062X103   1,131,772 4,087 SH   SOLE 0 0 0 4,087
BRISTOL-MYERS SQUIBB CO COM 110122108   1,745,797 24,264 SH   SOLE 0 0 0 24,264
BROWN FORMAN CORP CL B 115637209   205,250 3,125 SH   SOLE 0 0 0 3,125
CARLISLE COS INC COM 142339100   477,427 2,026 SH   SOLE 0 0 0 2,026
CASA SYS INC COM 14713L102   56,598 20,732 SH   SOLE 0 0 0 20,732
CIGNA CORP NEW COM 125523100   695,151 2,098 SH   SOLE 0 0 0 2,098
CINTAS CORP COM 172908105   373,490 827 SH   SOLE 0 0 0 827
CISCO SYS INC COM 17275R102   1,239,530 26,019 SH   SOLE 0 0 0 26,019
COCA COLA CO COM 191216100   781,637 12,288 SH   SOLE 0 0 0 12,288
COCA-COLA FEMSA SAB DE CV SPONSORD ADR REP 191241108   235,368 3,467 SH   SOLE 0 0 0 3,467
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102   266,791 4,665 SH   SOLE 0 0 0 4,665
COLGATE PALMOLIVE CO COM 194162103   283,644 3,600 SH   SOLE 0 0 0 3,600
CONSTELLATION BRANDS INC CL A 21036P108   309,386 1,335 SH   SOLE 0 0 0 1,335
COSTCO WHSL CORP NEW COM 22160K105   2,931,643 6,422 SH   SOLE 0 0 0 6,422
CSX CORP COM 126408103   251,867 8,130 SH   SOLE 0 0 0 8,130
CVS HEALTH CORP COM 126650100   1,542,117 16,548 SH   SOLE 0 0 0 16,548
DANAHER CORPORATION COM 235851102   701,057 2,641 SH   SOLE 0 0 0 2,641
DEERE & CO COM 244199105   318,302 742 SH   SOLE 0 0 0 742
DIAGEO PLC SPON ADR NEW 25243Q205   537,243 3,015 SH   SOLE 0 0 0 3,015
DISNEY WALT CO COM 254687106   524,806 6,041 SH   SOLE 0 0 0 6,041
DUPONT DE NEMOURS INC COM 26614N102   918,824 13,388 SH   SOLE 0 0 0 13,388
EATON CORP PLC SHS G29183103   397,868 2,535 SH   SOLE 0 0 0 2,535
ELECTRONIC ARTS INC COM 285512109   246,804 2,020 SH   SOLE 0 0 0 2,020
EXPRESS INC COM 30219E103   20,210 19,814 SH   SOLE 0 0 0 19,814
EXXON MOBIL CORP COM 30231G102   566,721 5,138 SH   SOLE 0 0 0 5,138
FABRINET SHS G3323L100   279,904 2,183 SH   SOLE 0 0 0 2,183
FACTSET RESH SYS INC COM 303075105   421,271 1,050 SH   SOLE 0 0 0 1,050
FIDELITY MERRIMACK STR TR LOW DURTIN ETF 316188408   271,150 5,480 SH   SOLE 0 0 0 5,480
FIFTH THIRD BANCORP COM 316773100   210,870 6,427 SH   SOLE 0 0 0 6,427
GARMIN LTD SHS H2906T109   815,244 8,834 SH   SOLE 0 0 0 8,834
GENERAL ELECTRIC CO COM NEW 369604301   973,910 11,623 SH   SOLE 0 0 0 11,623
GILEAD SCIENCES INC COM 375558103   238,148 2,774 SH   SOLE 0 0 0 2,774
HOME DEPOT INC COM 437076102   1,938,433 6,137 SH   SOLE 0 0 0 6,137
INTEL CORP COM 458140100   259,490 9,818 SH   SOLE 0 0 0 9,818
INTUITIVE SURGICAL INC COM NEW 46120E602   1,194,075 4,500 SH   SOLE 0 0 0 4,500
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   2,705,800 183,072 SH   SOLE 0 0 0 183,072
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735   1,699,249 57,368 SH   SOLE 0 0 0 57,368
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   208,331 9,930 SH   SOLE 0 0 0 9,930
ISHARES GOLD TR ISHARES NEW 464285204   4,044,263 116,920 SH   SOLE 0 0 0 116,920
ISHARES TR ISHS 1-5YR INVS 464288646   824,571 16,551 SH   SOLE 0 0 0 16,551
ISHARES TR SELECT DIVID ETF 464287168   1,966,520 16,306 SH   SOLE 0 0 0 16,306
ISHARES TR TIPS BD ETF 464287176   949,338 8,919 SH   SOLE 0 0 0 8,919
ISHARES TR CORE DIV GRWTH 46434V621   288,050 5,761 SH   SOLE 0 0 0 5,761
ISHARES TR GLOBAL REIT ETF 46434V647   3,663,986 161,338 SH   SOLE 0 0 0 161,338
ISHARES TR 0-5YR INVT GR CP 46434V100   463,237 9,679 SH   SOLE 0 0 0 9,679
ISHARES TR EAFE VALUE ETF 464288877   1,475,403 32,158 SH   SOLE 0 0 0 32,158
ISHARES TR 3 7 YR TREAS BD 464288661   6,523,604 56,781 SH   SOLE 0 0 0 56,781
ISHARES TR NATIONAL MUN ETF 464288414   3,021,565 28,635 SH   SOLE 0 0 0 28,635
ISHARES TR MSCI ACWI ETF 464288257   697,426 8,217 SH   SOLE 0 0 0 8,217
ISHARES TR SHRT NAT MUN ETF 464288158   1,683,231 16,143 SH   SOLE 0 0 0 16,143
ISHARES TR CORE S&P SCP ETF 464287804   458,720 4,847 SH   SOLE 0 0 0 4,847
ISHARES TR S&P 500 VAL ETF 464287408   1,894,681 13,060 SH   SOLE 0 0 0 13,060
ISHARES TR CORE S&P500 ETF 464287200   297,763 775 SH   SOLE 0 0 0 775
ISHARES TR RUS 2000 VAL ETF 464287630   1,357,614 9,790 SH   SOLE 0 0 0 9,790
ISHARES TR U.S. REAL ES ETF 464287739   2,822,234 33,522 SH   SOLE 0 0 0 33,522
ISHARES TR ISHARES BIOTECH 464287556   689,002 5,248 SH   SOLE 0 0 0 5,248
ISHARES TR 1 3 YR TREAS BD 464287457   1,315,559 16,207 SH   SOLE 0 0 0 16,207
ISHARES TR 7-10 YR TRSY BD 464287440   2,771,216 28,933 SH   SOLE 0 0 0 28,933
ISHARES TR 20 YR TR BD ETF 464287432   231,958 2,330 SH   SOLE 0 0 0 2,330
ISHARES TR CORE US AGGBD ET 464287226   313,375 3,231 SH   SOLE 0 0 0 3,231
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   807,344 16,105 SH   SOLE 0 0 0 16,105
JOHNSON & JOHNSON COM 478160104   1,747,070 9,890 SH   SOLE 0 0 0 9,890
JPMORGAN CHASE & CO COM 46625H100   1,055,634 7,872 SH   SOLE 0 0 0 7,872
KINDER MORGAN INC DEL COM 49456B101   1,017,245 56,264 SH   SOLE 0 0 0 56,264
L3HARRIS TECHNOLOGIES INC COM 502431109   233,820 1,123 SH   SOLE 0 0 0 1,123
LENNAR CORP CL A 526057104   878,928 9,712 SH   SOLE 0 0 0 9,712
LOCKHEED MARTIN CORP COM 539830109   220,740 454 SH   SOLE 0 0 0 454
LOWES COS INC COM 548661107   647,530 3,250 SH   SOLE 0 0 0 3,250
MCDONALDS CORP COM 580135101   833,256 3,162 SH   SOLE 0 0 0 3,162
MERCK & CO INC COM 58933Y105   809,508 7,296 SH   SOLE 0 0 0 7,296
MICROSOFT CORP COM 594918104   2,096,925 8,744 SH   SOLE 0 0 0 8,744
MID-AMER APT CMNTYS INC COM 59522J103   225,281 1,435 SH   SOLE 0 0 0 1,435
MONDELEZ INTL INC CL A 609207105   282,529 4,239 SH   SOLE 0 0 0 4,239
NEXTERA ENERGY INC COM 65339F101   1,472,029 17,608 SH   SOLE 0 0 0 17,608
NIKE INC CL B 654106103   424,161 3,625 SH   SOLE 0 0 0 3,625
NORTHROP GRUMMAN CORP COM 666807102   573,436 1,051 SH   SOLE 0 0 0 1,051
NOVARTIS AG SPONSORED ADR 66987V109   456,684 5,034 SH   SOLE 0 0 0 5,034
ORACLE CORP COM 68389X105   449,570 5,500 SH   SOLE 0 0 0 5,500
PARKER-HANNIFIN CORP COM 701094104   525,546 1,806 SH   SOLE 0 0 0 1,806
PEPSICO INC COM 713448108   1,701,298 9,417 SH   SOLE 0 0 0 9,417
PFIZER INC COM 717081103   1,113,565 21,732 SH   SOLE 0 0 0 21,732
PLBY GROUP INC COM 72814P109   56,271 20,462 SH   SOLE 0 0 0 20,462
PNC FINL SVCS GROUP INC COM 693475105   929,635 5,886 SH   SOLE 0 0 0 5,886
PROCTER AND GAMBLE CO COM 742718109   866,792 5,719 SH   SOLE 0 0 0 5,719
PROLOGIS INC. COM 74340W103   495,674 4,397 SH   SOLE 0 0 0 4,397
PROSHARES TR ULTRAPRO SHT QQQ 74347G432   232,894 4,312 SH   SOLE 0 0 0 4,312
PROSHARES TR II VIX SH TRM FUTRS 74347Y854   157,647 13,853 SH   SOLE 0 0 0 13,853
QUALCOMM INC COM 747525103   907,005 8,250 SH   SOLE 0 0 0 8,250
RAYTHEON TECHNOLOGIES CORP COM 75513E101   843,792 8,361 SH   SOLE 0 0 0 8,361
REPUBLIC SVCS INC COM 760759100   335,632 2,602 SH   SOLE 0 0 0 2,602
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   731,583 21,391 SH   SOLE 0 0 0 21,391
SHELL PLC SPON ADS 780259305   432,706 7,598 SH   SOLE 0 0 0 7,598
SPDR GOLD TR GOLD SHS 78463V107   414,431 2,443 SH   SOLE 0 0 0 2,443
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863   526,192 19,656 SH   SOLE 0 0 0 19,656
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   287,710 7,034 SH   SOLE 0 0 0 7,034
SPDR SER TR BLOOMBERG SHORT 78464A334   273,914 10,122 SH   SOLE 0 0 0 10,122
SPDR SER TR NUVEEN BLMBRG SH 78468R739   375,840 8,000 SH   SOLE 0 0 0 8,000
SPDR SER TR S&P DIVID ETF 78464A763   202,303 1,617 SH   SOLE 0 0 0 1,617
STARBUCKS CORP COM 855244109   848,259 8,551 SH   SOLE 0 0 0 8,551
STRYKER CORPORATION COM 863667101   455,974 1,865 SH   SOLE 0 0 0 1,865
TARGET CORP COM 87612E106   440,711 2,957 SH   SOLE 0 0 0 2,957
TELEPHONE & DATA SYS INC COM NEW 879433829   1,003,998 95,710 SH   SOLE 0 0 0 95,710
TESLA INC COM 88160R101   277,155 2,250 SH   SOLE 0 0 0 2,250
THERMO FISHER SCIENTIFIC INC COM 883556102   481,854 875 SH   SOLE 0 0 0 875
TJX COS INC NEW COM 872540109   441,780 5,550 SH   SOLE 0 0 0 5,550
TORONTO DOMINION BK ONT COM NEW 891160509   595,533 9,196 SH   SOLE 0 0 0 9,196
TRAVELERS COMPANIES INC COM 89417E109   466,850 2,490 SH   SOLE 0 0 0 2,490
UNILEVER PLC SPON ADR NEW 904767704   221,540 4,400 SH   SOLE 0 0 0 4,400
UNITEDHEALTH GROUP INC COM 91324P102   556,159 1,049 SH   SOLE 0 0 0 1,049
VANECK ETF TRUST VANECK SHRT MUNI 92189F528   274,469 16,260 SH   SOLE 0 0 0 16,260
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,053,916 14,000 SH   SOLE 0 0 0 14,000
VANGUARD INDEX FDS SM CP VAL ETF 922908611   592,483 3,731 SH   SOLE 0 0 0 3,731
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,241,489 15,052 SH   SOLE 0 0 0 15,052
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   1,717,429 41,544 SH   SOLE 0 0 0 41,544
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   546,073 11,034 SH   SOLE 0 0 0 11,034
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   208,257 3,106 SH   SOLE 0 0 0 3,106
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   10,460,906 178,880 SH   SOLE 0 0 0 178,880
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   303,555 5,250 SH   SOLE 0 0 0 5,250
VERIZON COMMUNICATIONS INC COM 92343V104   451,406 11,457 SH   SOLE 0 0 0 11,457
VISA INC COM CL A 92826C839   1,049,396 5,051 SH   SOLE 0 0 0 5,051
WALMART INC COM 931142103   453,303 3,197 SH   SOLE 0 0 0 3,197
WEC ENERGY GROUP INC COM 92939U106   383,010 4,085 SH   SOLE 0 0 0 4,085
WILLIS TOWERS WATSON PLC LTD SHS G96629103   308,171 1,260 SH   SOLE 0 0 0 1,260
WISDOMTREE TR US MIDCAP DIVID 97717W505   201,838 4,906 SH   SOLE 0 0 0 4,906
WISDOMTREE TR US SMALLCAP DIVD 97717W604   1,710,045 60,128 SH   SOLE 0 0 0 60,128
YUM BRANDS INC COM 988498101   650,092 5,076 SH   SOLE 0 0 0 5,076