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
ALPHABET INC CAP STK CL C 02079K107 1,285 444 SH   SOLE   0 0 444
AMAZON COM INC COM 023135106 283 85 SH   SOLE   0 0 85
AMERISOURCEBERGEN CORP COM 03073E105 271 2,038 SH   SOLE   0 0 2,038
ANTHEM INC COM 036752103 229 494 SH   SOLE   0 0 494
APPLE INC COM 037833100 1,432 8,066 SH   SOLE   0 0 8,066
ASTRAZENECA PLC SPONSORED ADR 046353108 283 4,856 SH   SOLE   0 0 4,856
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 385 1,288 SH   SOLE   0 0 1,288
BOOKING HOLDINGS INC COM 09857L108 326 136 SH   SOLE   0 0 136
CHEVRON CORP NEW COM 166764100 213 1,813 SH   SOLE   0 0 1,813
DTE ENERGY CO COM 233331107 304 2,539 SH   SOLE   0 0 2,539
ENBRIDGE INC COM 29250N105 290 7,426 SH   SOLE   0 0 7,426
EXXON MOBIL CORP COM 30231G102 2,144 35,036 SH   SOLE   0 0 35,036
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 2,868 21,178 SH   SOLE   0 0 21,178
HOME DEPOT INC COM 437076102 317 764 SH   SOLE   0 0 764
IQVIA HLDGS INC COM 46266C105 543 1,925 SH   SOLE   0 0 1,925
ISHARES TR 1 3 YR TREAS BD 464287457 213 2,490 SH   SOLE   0 0 2,490
ISHARES TR MSCI ACWI ETF 464288257 536 5,068 SH   SOLE   0 0 5,068
ISHARES TR US TREAS BD ETF 46429B267 18,831 705,809 SH   SOLE   0 0 705,809
ISHARES TR ISHS 1-5YR INVS 464288646 1,625 30,161 SH   SOLE   0 0 30,161
ISHARES TR U.S. FIN SVC ETF 464287770 241 1,246 SH   SOLE   0 0 1,246
ISHARES TR 10-20 YR TRS ETF 464288653 1,567 10,562 SH   SOLE   0 0 10,562
ISHARES TR MSCI EAFE ETF 464287465 251 3,196 SH   SOLE   0 0 3,196
ISHARES TR MSCI USA SZE FT 46432F370 1,079 7,864 SH   SOLE   0 0 7,864
ISHARES TR EAFE VALUE ETF 464288877 10,488 208,144 SH   SOLE   0 0 208,144
ISHARES TR SHRT NAT MUN ETF 464288158 750 6,982 SH   SOLE   0 0 6,982
ISHARES TR U.S. TECH ETF 464287721 1,070 9,320 SH   SOLE   0 0 9,320
ISHARES TR FALN ANGLS USD 46435G474 8,479 282,929 SH   SOLE   0 0 282,929
ISHARES TR MSCI USA MIN VOL 46429B697 1,088 13,446 SH   SOLE   0 0 13,446
ISHARES TR CORE TOTAL USD 46434V613 7,687 145,232 SH   SOLE   0 0 145,232
ISHARES TR MSCI USA QLT FCT 46432F339 495 3,403 SH   SOLE   0 0 3,403
ISHARES TR MSCI USA MMENTM 46432F396 1,322 7,270 SH   SOLE   0 0 7,270
ISHARES TR MSCI USA VALUE 46432F388 7,254 66,263 SH   SOLE   0 0 66,263
ISHARES TR AGGRES ALLOC ETF 464289859 391 5,375 SH   SOLE   0 0 5,375
ISHARES TR ESG AWR MSCI USA 46435G425 27,570 255,515 SH   SOLE   0 0 255,515
ISHARES TR EAFE GRWTH ETF 464288885 10,510 95,294 SH   SOLE   0 0 95,294
ISHARES TR 0-5YR HI YL CP 46434V407 1,046 23,088 SH   SOLE   0 0 23,088
ISHARES TR GLOBAL FINLS ETF 464287333 3,455 43,154 SH   SOLE   0 0 43,154
ISHARES TR 10+ YR INVST GRD 464289511 1,467 21,093 SH   SOLE   0 0 21,093
ISHARES TR MBS ETF 464288588 6,475 60,268 SH   SOLE   0 0 60,268
ISHARES TR NATIONAL MUN ETF 464288414 963 8,284 SH   SOLE   0 0 8,284
ISHARES TR U.S. MED DVC ETF 464288810 1,023 15,534 SH   SOLE   0 0 15,534
ISHARES TR BROAD USD HIGH 46435U853 443 10,763 SH   SOLE   0 0 10,763
ISHARES TR BARCLAYS 7 10 YR 464287440 245 2,128 SH   SOLE   0 0 2,128
ISHARES U S ETF TR BLACKROCK SHORT 46431W838 633 12,638 SH   SOLE   0 0 12,638
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 2,929 94,843 SH   SOLE   0 0 94,843
LATTICE STRATEGIES TR HARTFORD MLT ETF 518416102 1,034 34,350 SH   SOLE   0 0 34,350
LOWES COS INC COM 548661107 497 1,924 SH   SOLE   0 0 1,924
MASTERCARD INCORPORATED CL A 57636Q104 679 1,891 SH   SOLE   0 0 1,891
META PLATFORMS INC CL A 30303M102 423 1,259 SH   SOLE   0 0 1,259
MICROSOFT CORP COM 594918104 536 1,592 SH   SOLE   0 0 1,592
PUTNAM MUN OPPORTUNITIES TR SH BEN INT 746922103 144 10,000 SH   SOLE   0 0 10,000
QUALCOMM INC COM 747525103 501 2,740 SH   SOLE   0 0 2,740
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,606 44,982 SH   SOLE   0 0 44,982
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 14,525 287,346 SH   SOLE   0 0 287,346
SCHWAB STRATEGIC TR US TIPS ETF 808524870 4,582 72,853 SH   SOLE   0 0 72,853
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 624 12,081 SH   SOLE   0 0 12,081
SELECT SECTOR SPDR TR ENERGY 81369Y506 2,708 48,800 SH   SOLE   0 0 48,800
SOUTHERN CO COM 842587107 228 3,322 SH   SOLE   0 0 3,322
SPDR SER TR PORTFOLIO LN COR 78464A367 1,338 42,489 SH   SOLE   0 0 42,489
SPDR SER TR BLOOMBERG INTL T 78464A516 398 14,067 SH   SOLE   0 0 14,067
SPDR SER TR PORTFOLIO S&P500 78464A854 23,063 413,091 SH   SOLE   0 0 413,091
SPDR SER TR PRTFLO S&P500 GW 78464A409 284 3,913 SH   SOLE   0 0 3,913
SPDR SER TR PORTFOLIO INTRMD 78464A375 1,404 38,833 SH   SOLE   0 0 38,833
UNITEDHEALTH GROUP INC COM 91324P102 278 554 SH   SOLE   0 0 554
VANGUARD INDEX FDS SM CP VAL ETF 922908611 323 1,806 SH   SOLE   0 0 1,806
VANGUARD INDEX FDS MID CAP ETF 922908629 306 1,203 SH   SOLE   0 0 1,203
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 252 5,104 SH   SOLE   0 0 5,104
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 691 6,429 SH   SOLE   0 0 6,429
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 4,005 23,318 SH   SOLE   0 0 23,318
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 316 6,181 SH   SOLE   0 0 6,181
VANGUARD WORLD FD MEGA GRWTH IND 921910816 778 2,983 SH   SOLE   0 0 2,983
VANGUARD WORLD FD MEGA CAP INDEX 921910873 534 3,178 SH   SOLE   0 0 3,178
VISA INC COM CL A 92826C839 277 1,278 SH   SOLE   0 0 1,278
VOYA GLBL EQTY DIV & PREM OP COM 92912T100 102 16,500 SH   SOLE   0 0 16,500
WISDOMTREE TR EM EX ST-OWNED 97717X578 7,116 193,099 SH   SOLE   0 0 193,099
WP CAREY INC COM 92936U109 992 12,094 SH   SOLE   0 0 12,094