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
3M CO COM 88579Y101   230,506 2,193 SH   SOLE 0 0 0 2,193
ABBOTT LABS COM 002824100   461,746 4,560 SH   SOLE 0 0 0 4,560
ABBVIE INC COM 00287Y109   457,608 2,871 SH   SOLE 0 42 0 2,829
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   653,362 2,286 SH   SOLE 0 0 0 2,286
ADOBE SYSTEMS INCORPORATED COM 00724F101   449,341 1,166 SH   SOLE 0 0 0 1,166
ALLEGION PLC ORD SHS G0176J109   249,001 2,333 SH   SOLE 0 0 0 2,333
ALPHABET INC CAP STK CL C 02079K107   1,518,400 14,600 SH   SOLE 0 0 0 14,600
ALPHABET INC CAP STK CL A 02079K305   2,050,120 19,764 SH   SOLE 0 0 0 19,764
AMAZON COM INC COM 023135106   527,399 5,106 SH   SOLE 0 0 0 5,106
AMERICAN ELEC PWR CO INC COM 025537101   206,547 2,270 SH   SOLE 0 0 0 2,270
AMERICAN EXPRESS CO COM 025816109   728,749 4,418 SH   SOLE 0 0 0 4,418
AMGEN INC COM 031162100   786,413 3,253 SH   SOLE 0 0 0 3,253
APPLE INC COM 037833100   9,743,257 59,086 SH   SOLE 0 0 0 59,086
AT&T INC COM 00206R102   533,741 27,727 SH   SOLE 0 441 0 27,286
AUTOMATIC DATA PROCESSING IN COM 053015103   638,503 2,868 SH   SOLE 0 0 0 2,868
BANK NEW YORK MELLON CORP COM 064058100   287,408 6,325 SH   SOLE 0 0 0 6,325
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,538,910 4,984 SH   SOLE 0 0 0 4,984
BIOGEN INC COM 09062X103   1,167,726 4,200 SH   SOLE 0 0 0 4,200
BRISTOL-MYERS SQUIBB CO COM 110122108   1,733,794 25,015 SH   SOLE 0 0 0 25,015
BROWN FORMAN CORP CL B 115637209   200,844 3,125 SH   SOLE 0 0 0 3,125
CARLISLE COS INC COM 142339100   456,887 2,021 SH   SOLE 0 0 0 2,021
CASA SYS INC COM 14713L102   19,980 15,732 SH   SOLE 0 0 0 15,732
CHEVRON CORP NEW COM 166764100   817,152 5,008 SH   SOLE 0 1,900 0 3,108
CINTAS CORP COM 172908105   380,323 822 SH   SOLE 0 0 0 822
CISCO SYS INC COM 17275R102   1,361,172 26,039 SH   SOLE 0 0 0 26,039
COCA COLA CO COM 191216100   762,222 12,288 SH   SOLE 0 0 0 12,288
COCA-COLA FEMSA SAB DE CV SPONSORD ADR REP 191241108   272,425 3,385 SH   SOLE 0 0 0 3,385
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102   303,492 4,981 SH   SOLE 0 0 0 4,981
COLGATE PALMOLIVE CO COM 194162103   270,540 3,600 SH   SOLE 0 0 0 3,600
CONSTELLATION BRANDS INC CL A 21036P108   302,015 1,337 SH   SOLE 0 0 0 1,337
COSTCO WHSL CORP NEW COM 22160K105   3,190,899 6,422 SH   SOLE 0 0 0 6,422
CSX CORP COM 126408103   2,197,836 73,408 SH   SOLE 0 0 0 73,408
CVS HEALTH CORP COM 126650100   1,323,848 17,815 SH   SOLE 0 0 0 17,815
DANAHER CORPORATION COM 235851102   666,220 2,643 SH   SOLE 0 0 0 2,643
DEERE & CO COM 244199105   306,513 742 SH   SOLE 0 0 0 742
DIAGEO PLC SPON ADR NEW 25243Q205   546,258 3,015 SH   SOLE 0 0 0 3,015
DISNEY WALT CO COM 254687106   645,797 6,450 SH   SOLE 0 0 0 6,450
DUPONT DE NEMOURS INC COM 26614N102   942,596 13,134 SH   SOLE 0 0 0 13,134
EATON CORP PLC SHS G29183103   434,347 2,535 SH   SOLE 0 0 0 2,535
ELECTRONIC ARTS INC COM 285512109   243,309 2,020 SH   SOLE 0 0 0 2,020
EXPRESS INC COM 30219E103   15,619 19,814 SH   SOLE 0 0 0 19,814
EXXON MOBIL CORP COM 30231G102   769,594 7,018 SH   SOLE 0 0 0 7,018
FABRINET SHS G3323L100   255,215 2,149 SH   SOLE 0 0 0 2,149
FACTSET RESH SYS INC COM 303075105   435,845 1,050 SH   SOLE 0 0 0 1,050
FIDELITY MERRIMACK STR TR LOW DURTIN ETF 316188408   259,611 5,230 SH   SOLE 0 0 0 5,230
GARMIN LTD SHS H2906T109   908,972 9,007 SH   SOLE 0 0 0 9,007
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   305,480 3,724 SH   SOLE 0 0 0 3,724
GENERAL ELECTRIC CO COM NEW 369604301   982,701 10,279 SH   SOLE 0 0 0 10,279
GILEAD SCIENCES INC COM 375558103   214,146 2,581 SH   SOLE 0 0 0 2,581
GLOBAL X FDS ARTIFICIAL ETF 37954Y632   210,736 8,570 SH   SOLE 0 0 0 8,570
HOME DEPOT INC COM 437076102   1,784,886 6,048 SH   SOLE 0 5 0 6,043
HUNTSMAN CORP COM 447011107   382,020 13,963 SH   SOLE 0 0 0 13,963
IAC INC COM NEW 44891N208   397,681 7,707 SH   SOLE 0 0 0 7,707
INTEL CORP COM 458140100   258,126 7,901 SH   SOLE 0 0 0 7,901
INTUITIVE SURGICAL INC COM NEW 46120E602   1,149,615 4,500 SH   SOLE 0 0 0 4,500
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   3,064,619 215,515 SH   SOLE 0 239 0 215,276
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735   1,868,065 60,241 SH   SOLE 0 79 0 60,162
ISHARES GOLD TR ISHARES NEW 464285204   4,433,614 118,641 SH   SOLE 0 98 0 118,543
ISHARES TR EAFE VALUE ETF 464288877   1,514,372 31,205 SH   SOLE 0 135 0 31,070
ISHARES TR ISHS 1-5YR INVS 464288646   874,443 17,302 SH   SOLE 0 0 0 17,302
ISHARES TR 3 7 YR TREAS BD 464288661   2,531,846 21,520 SH   SOLE 0 52 0 21,468
ISHARES TR NATIONAL MUN ETF 464288414   3,309,665 30,719 SH   SOLE 0 0 0 30,719
ISHARES TR CORE US AGGBD ET 464287226   321,937 3,231 SH   SOLE 0 0 0 3,231
ISHARES TR MSCI ACWI ETF 464288257   768,169 8,427 SH   SOLE 0 0 0 8,427
ISHARES TR SHRT NAT MUN ETF 464288158   1,787,516 17,076 SH   SOLE 0 0 0 17,076
ISHARES TR CORE DIV GRWTH 46434V621   287,992 5,761 SH   SOLE 0 0 0 5,761
ISHARES TR GLOBAL REIT ETF 46434V647   4,133,659 180,273 SH   SOLE 0 376 0 179,897
ISHARES TR 0-5YR INVT GR CP 46434V100   433,120 8,934 SH   SOLE 0 0 0 8,934
ISHARES TR CORE S&P SCP ETF 464287804   468,705 4,847 SH   SOLE 0 0 0 4,847
ISHARES TR S&P 500 VAL ETF 464287408   1,922,339 12,667 SH   SOLE 0 44 0 12,623
ISHARES TR CORE S&P500 ETF 464287200   272,546 663 SH   SOLE 0 0 0 663
ISHARES TR RUS 2000 VAL ETF 464287630   1,092,437 7,973 SH   SOLE 0 0 0 7,973
ISHARES TR U.S. REAL ES ETF 464287739   901,470 10,618 SH   SOLE 0 0 0 10,618
ISHARES TR 1 3 YR TREAS BD 464287457   1,268,307 15,437 SH   SOLE 0 0 0 15,437
ISHARES TR 7-10 YR TRSY BD 464287440   3,033,853 30,608 SH   SOLE 0 0 0 30,608
ISHARES TR 20 YR TR BD ETF 464287432   235,467 2,214 SH   SOLE 0 0 0 2,214
ISHARES TR SELECT DIVID ETF 464287168   1,901,781 16,230 SH   SOLE 0 0 0 16,230
ISHARES TR TIPS BD ETF 464287176   983,320 8,919 SH   SOLE 0 0 0 8,919
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   760,084 15,105 SH   SOLE 0 0 0 15,105
JOHNSON & JOHNSON COM 478160104   1,533,495 9,894 SH   SOLE 0 0 0 9,894
JPMORGAN CHASE & CO COM 46625H100   1,031,793 7,918 SH   SOLE 0 9 0 7,909
KINDER MORGAN INC DEL COM 49456B101   1,007,316 57,528 SH   SOLE 0 0 0 57,528
L3HARRIS TECHNOLOGIES INC COM 502431109   220,378 1,123 SH   SOLE 0 0 0 1,123
LENNAR CORP CL A 526057104   953,574 9,072 SH   SOLE 0 0 0 9,072
LOCKHEED MARTIN CORP COM 539830109   224,944 476 SH   SOLE 0 0 0 476
LOWES COS INC COM 548661107   639,904 3,200 SH   SOLE 0 0 0 3,200
MCDONALDS CORP COM 580135101   905,909 3,240 SH   SOLE 0 25 0 3,215
MERCK & CO INC COM 58933Y105   776,238 7,296 SH   SOLE 0 0 0 7,296
META PLATFORMS INC CL A 30303M102   204,946 967 SH   SOLE 0 0 0 967
MICROSOFT CORP COM 594918104   2,527,496 8,767 SH   SOLE 0 0 0 8,767
MID-AMER APT CMNTYS INC COM 59522J103   216,742 1,435 SH   SOLE 0 0 0 1,435
MONDELEZ INTL INC CL A 609207105   296,868 4,258 SH   SOLE 0 0 0 4,258
NEXTERA ENERGY INC COM 65339F101   1,357,687 17,614 SH   SOLE 0 0 0 17,614
NIKE INC CL B 654106103   444,570 3,625 SH   SOLE 0 0 0 3,625
NORTHROP GRUMMAN CORP COM 666807102   485,268 1,051 SH   SOLE 0 0 0 1,051
NOVARTIS AG SPONSORED ADR 66987V109   463,128 5,034 SH   SOLE 0 0 0 5,034
ORACLE CORP COM 68389X105   511,060 5,500 SH   SOLE 0 0 0 5,500
PARKER-HANNIFIN CORP COM 701094104   588,529 1,751 SH   SOLE 0 0 0 1,751
PEPSICO INC COM 713448108   1,685,751 9,247 SH   SOLE 0 0 0 9,247
PFIZER INC COM 717081103   944,274 23,144 SH   SOLE 0 116 0 23,028
PLBY GROUP INC COM 72814P109   55,365 27,962 SH   SOLE 0 0 0 27,962
PNC FINL SVCS GROUP INC COM 693475105   748,111 5,886 SH   SOLE 0 0 0 5,886
PROCTER AND GAMBLE CO COM 742718109   850,973 5,723 SH   SOLE 0 0 0 5,723
PROLOGIS INC. COM 74340W103   548,614 4,397 SH   SOLE 0 0 0 4,397
PROSHARES TR ULTRAPRO SHT QQQ 74347G432   200,563 6,831 SH   SOLE 0 0 0 6,831
PROSHARES TR II VIX SH TRM FUTRS 74347Y854   174,167 19,245 SH   SOLE 0 0 0 19,245
QUALCOMM INC COM 747525103   1,071,289 8,397 SH   SOLE 0 45 0 8,352
RAYTHEON TECHNOLOGIES CORP COM 75513E101   819,184 8,365 SH   SOLE 0 0 0 8,365
REPUBLIC SVCS INC COM 760759100   352,519 2,607 SH   SOLE 0 0 0 2,607
SHELL PLC SPON ADS 780259305   452,322 7,861 SH   SOLE 0 30 0 7,831
SPDR GOLD TR GOLD SHS 78463V107   517,963 2,827 SH   SOLE 0 0 0 2,827
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863   437,385 16,643 SH   SOLE 0 0 0 16,643
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   274,195 2,986 SH   SOLE 0 0 0 2,986
SPDR SER TR NUVEEN BLMBRG SH 78468R739   380,400 8,000 SH   SOLE 0 0 0 8,000
SPDR SER TR BLOOMBERG SHORT 78464A334   206,424 7,570 SH   SOLE 0 0 0 7,570
STARBUCKS CORP COM 855244109   864,071 8,298 SH   SOLE 0 15 0 8,283
STRYKER CORPORATION COM 863667101   532,402 1,865 SH   SOLE 0 0 0 1,865
TARGET CORP COM 87612E106   479,830 2,897 SH   SOLE 0 0 0 2,897
TELEPHONE & DATA SYS INC COM NEW 879433829   1,005,912 95,710 SH   SOLE 0 0 0 95,710
TESLA INC COM 88160R101   435,666 2,100 SH   SOLE 0 0 0 2,100
THE CIGNA GROUP COM 125523100   536,102 2,098 SH   SOLE 0 0 0 2,098
THERMO FISHER SCIENTIFIC INC COM 883556102   504,324 875 SH   SOLE 0 0 0 875
TJX COS INC NEW COM 872540109   408,647 5,215 SH   SOLE 0 0 0 5,215
TORONTO DOMINION BK ONT COM NEW 891160509   550,840 9,196 SH   SOLE 0 0 0 9,196
TRAVELERS COMPANIES INC COM 89417E109   426,811 2,490 SH   SOLE 0 0 0 2,490
UNILEVER PLC SPON ADR NEW 904767704   228,492 4,400 SH   SOLE 0 0 0 4,400
UNITEDHEALTH GROUP INC COM 91324P102   495,747 1,049 SH   SOLE 0 0 0 1,049
VANECK ETF TRUST VANECK SHRT MUNI 92189F528   174,335 10,255 SH   SOLE 0 0 0 10,255
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,070,922 14,001 SH   SOLE 0 0 0 14,001
VANGUARD INDEX FDS SM CP VAL ETF 922908611   905,995 5,707 SH   SOLE 0 0 0 5,707
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,266,686 39,339 SH   SOLE 0 0 0 39,339
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   1,837,943 45,303 SH   SOLE 0 0 0 45,303
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   558,982 11,034 SH   SOLE 0 0 0 11,034
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   378,355 5,485 SH   SOLE 0 215 0 5,270
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   15,212,874 253,717 SH   SOLE 0 0 0 253,717
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   330,751 5,650 SH   SOLE 0 0 0 5,650
VERIZON COMMUNICATIONS INC COM 92343V104   465,047 11,958 SH   SOLE 0 38 0 11,920
VISA INC COM CL A 92826C839   1,139,249 5,053 SH   SOLE 0 0 0 5,053
WALMART INC COM 931142103   471,398 3,197 SH   SOLE 0 0 0 3,197
WEC ENERGY GROUP INC COM 92939U106   387,217 4,085 SH   SOLE 0 0 0 4,085
WILLIS TOWERS WATSON PLC LTD SHS G96629103   292,799 1,260 SH   SOLE 0 0 0 1,260
WISDOMTREE TR US SMALLCAP DIVD 97717W604   1,792,048 62,747 SH   SOLE 0 0 0 62,747
YUM BRANDS INC COM 988498101   670,395 5,076 SH   SOLE 0 0 0 5,076