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 1,656 593 SH   SOLE   0 0 593
AMAZON COM INC COM 023135106 456 140 SH   SOLE   0 0 140
AMERISOURCEBERGEN CORP COM 03073E105 464 2,997 SH   SOLE   0 0 2,997
ANTHEM INC COM 036752103 376 766 SH   SOLE   0 0 766
APPLE INC COM 037833100 1,408 8,066 SH   SOLE   0 0 8,066
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 455 1,288 SH   SOLE   0 0 1,288
BOOKING HOLDINGS INC COM 09857L108 472 201 SH   SOLE   0 0 201
CARMAX INC COM 143130102 234 2,427 SH   SOLE   0 0 2,427
CHEVRON CORP NEW COM 166764100 538 3,304 SH   SOLE   0 0 3,304
DTE ENERGY CO COM 233331107 336 2,539 SH   SOLE   0 0 2,539
ENBRIDGE INC COM 29250N105 571 12,399 SH   SOLE   0 0 12,399
EXXON MOBIL CORP COM 30231G102 2,892 35,018 SH   SOLE   0 0 35,018
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 2,551 20,727 SH   SOLE   0 0 20,727
HOME DEPOT INC COM 437076102 230 768 SH   SOLE   0 0 768
IQVIA HLDGS INC COM 46266C105 690 2,985 SH   SOLE   0 0 2,985
ISHARES TR MSCI USA MMENTM 46432F396 906 5,382 SH   SOLE   0 0 5,382
ISHARES TR MSCI USA SZE FT 46432F370 983 7,541 SH   SOLE   0 0 7,541
ISHARES TR MSCI USA VALUE 46432F388 6,286 60,115 SH   SOLE   0 0 60,115
ISHARES TR MSCI USA QLT FCT 46432F339 458 3,403 SH   SOLE   0 0 3,403
ISHARES TR 0-5YR HI YL CP 46434V407 969 22,041 SH   SOLE   0 0 22,041
ISHARES TR CORE TOTAL USD 46434V613 8,481 170,879 SH   SOLE   0 0 170,879
ISHARES TR AGGRES ALLOC ETF 464289859 432 6,271 SH   SOLE   0 0 6,271
ISHARES TR 10+ YR INVST GRD 464289511 941 15,318 SH   SOLE   0 0 15,318
ISHARES TR MSCI USA MIN VOL 46429B697 1,237 15,950 SH   SOLE   0 0 15,950
ISHARES TR US TREAS BD ETF 46429B267 17,716 711,183 SH   SOLE   0 0 711,183
ISHARES TR MBS ETF 464288588 5,756 56,501 SH   SOLE   0 0 56,501
ISHARES TR MSCI ACWI ETF 464288257 506 5,068 SH   SOLE   0 0 5,068
ISHARES TR SHRT NAT MUN ETF 464288158 730 6,982 SH   SOLE   0 0 6,982
ISHARES TR U.S. MED DVC ETF 464288810 875 14,353 SH   SOLE   0 0 14,353
ISHARES TR ISHS 1-5YR INVS 464288646 1,477 28,548 SH   SOLE   0 0 28,548
ISHARES TR 10-20 YR TRS ETF 464288653 1,552 11,531 SH   SOLE   0 0 11,531
ISHARES TR NATIONAL MUN ETF 464288414 908 8,284 SH   SOLE   0 0 8,284
ISHARES TR MSCI EAFE ETF 464287465 235 3,196 SH   SOLE   0 0 3,196
ISHARES TR GLOBAL FINLS ETF 464287333 2,897 36,459 SH   SOLE   0 0 36,459
ISHARES TR U.S. TECH ETF 464287721 1,008 9,783 SH   SOLE   0 0 9,783
ISHARES TR U.S. FIN SVC ETF 464287770 217 1,201 SH   SOLE   0 0 1,201
ISHARES TR CORE S&P500 ETF 464287200 323 713 SH   SOLE   0 0 713
ISHARES TR EAFE VALUE ETF 464288877 10,738 213,649 SH   SOLE   0 0 213,649
ISHARES TR EAFE GRWTH ETF 464288885 9,450 98,164 SH   SOLE   0 0 98,164
ISHARES TR 1 3 YR TREAS BD 464287457 208 2,490 SH   SOLE   0 0 2,490
ISHARES TR BARCLAYS 7 10 YR 464287440 222 2,062 SH   SOLE   0 0 2,062
ISHARES TR CONV BD ETF 46435G102 205 2,460 SH   SOLE   0 0 2,460
ISHARES TR FALN ANGLS USD 46435G474 7,730 278,461 SH   SOLE   0 0 278,461
ISHARES TR ESG AWR MSCI USA 46435G425 26,821 264,642 SH   SOLE   0 0 264,642
ISHARES TR BROAD USD HIGH 46435U853 341 8,786 SH   SOLE   0 0 8,786
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 3,630 90,630 SH   SOLE   0 0 90,630
ISHARES U S ETF TR BLACKROCK SHORT 46431W838 629 12,638 SH   SOLE   0 0 12,638
LATTICE STRATEGIES TR HARTFORD MLT ETF 518416102 991 34,027 SH   SOLE   0 0 34,027
LOWES COS INC COM 548661107 389 1,924 SH   SOLE   0 0 1,924
MASTERCARD INCORPORATED CL A 57636Q104 967 2,707 SH   SOLE   0 0 2,707
META PLATFORMS INC CL A 30303M102 458 2,061 SH   SOLE   0 0 2,061
MICROSOFT CORP COM 594918104 818 2,653 SH   SOLE   0 0 2,653
PUTNAM MUN OPPORTUNITIES TR SH BEN INT 746922103 117 10,000 SH   SOLE   0 0 10,000
QUALCOMM INC COM 747525103 419 2,740 SH   SOLE   0 0 2,740
SCHWAB STRATEGIC TR US TIPS ETF 808524870 5,078 83,640 SH   SOLE   0 0 83,640
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 4,247 83,974 SH   SOLE   0 0 83,974
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,308 90,957 SH   SOLE   0 0 90,957
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 498 10,411 SH   SOLE   0 0 10,411
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 10,620 218,698 SH   SOLE   0 0 218,698
SELECT SECTOR SPDR TR ENERGY 81369Y506 3,669 47,997 SH   SOLE   0 0 47,997
SOUTHERN CO COM 842587107 276 3,805 SH   SOLE   0 0 3,805
SPDR SER TR PRTFLO S&P500 GW 78464A409 259 3,913 SH   SOLE   0 0 3,913
SPDR SER TR PORTFOLIO S&P500 78464A854 25,284 475,882 SH   SOLE   0 0 475,882
SPDR SER TR PORTFOLIO INTRMD 78464A375 1,245 36,467 SH   SOLE   0 0 36,467
SPDR SER TR BLOOMBERG INTL T 78464A516 366 14,067 SH   SOLE   0 0 14,067
SPDR SER TR S&P OILGAS EXP 78468R556 267 1,985 SH   SOLE   0 0 1,985
SPDR SER TR PORTFOLIO LN COR 78464A367 1,140 41,032 SH   SOLE   0 0 41,032
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 231 2,219 SH   SOLE   0 0 2,219
UNITEDHEALTH GROUP INC COM 91324P102 405 794 SH   SOLE   0 0 794
VANGUARD INDEX FDS MID CAP ETF 922908629 286 1,203 SH   SOLE   0 0 1,203
VANGUARD INDEX FDS SM CP VAL ETF 922908611 318 1,806 SH   SOLE   0 0 1,806
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 235 5,104 SH   SOLE   0 0 5,104
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 651 6,431 SH   SOLE   0 0 6,431
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,782 23,322 SH   SOLE   0 0 23,322
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 296 6,167 SH   SOLE   0 0 6,167
VANGUARD WORLD FD MEGA CAP INDEX 921910873 506 3,180 SH   SOLE   0 0 3,180
VANGUARD WORLD FD MEGA GRWTH IND 921910816 702 2,983 SH   SOLE   0 0 2,983
VISA INC COM CL A 92826C839 412 1,860 SH   SOLE   0 0 1,860
VOYA GLBL EQTY DIV & PREM OP COM 92912T100 97 16,500 SH   SOLE   0 0 16,500
WISDOMTREE TR EM EX ST-OWNED 97717X578 6,158 188,536 SH   SOLE   0 0 188,536
WP CAREY INC COM 92936U109 978 12,094 SH   SOLE   0 0 12,094