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
AMAZON COM INC COM COM 023135106 8,197 2,458 SH   SOLE NONE 0 0 2,458
INVESCO QQQ TRUST UNIT SER 1 46090E103 396 994 SH   SOLE NONE 0 0 994
TECHNOLOGY SELECT SECTOR SPDR FUND TECHNOLOGY 81369Y803 548 3,153 SH   SOLE NONE 0 0 3,153
STARBUCKS CORP COM COM 855244109 2,182 18,653 SH   SOLE NONE 0 0 18,653
ANTHEM INC COM COM 036752103 406 876 SH   SOLE NONE 0 0 876
ISHARES GOLD TRUST ISHARES NEW 464285204 294 8,449 SH   SOLE NONE 0 0 8,449
JOHNSON & JOHNSON COM COM 478160104 3,067 17,930 SH   SOLE NONE 0 0 17,930
VANGUARD TOTAL STOCK MARKET INDEX FUND TOTAL STK MKT 922908769 39,993 165,645 SH   SOLE NONE 0 0 165,645
COSTCO WHSL CORP NEW COM COM 22160K105 845 1,488 SH   SOLE NONE 0 0 1,488
GOLDMAN SACHS GROUP INC COM COM 38141G104 206 538 SH   SOLE NONE 0 0 538
PROCTER AND GAMBLE CO COM COM 742718109 2,932 17,926 SH   SOLE NONE 0 0 17,926
COCA COLA CO COM COM 191216100 2,995 148,896 SH   SOLE NONE 0 0 148,896
TRUIST FINL CORP COM COM 89832Q109 223 3,816 SH   SOLE NONE 0 0 3,816
UNITED PARCEL SERVICE INC CL B CL B 911312106 542 2,531 SH   SOLE NONE 0 0 2,531
VANGUARD REAL ESTATE ETF REAL ESTATE ETF 922908553 5,161 44,489 SH   SOLE NONE 0 0 44,489
INTEL CORP COM COM 458140100 567 11,007 SH   SOLE NONE 0 0 11,007
CME GROUP INC COM COM 12572Q105 354 1,547 SH   SOLE NONE 0 0 1,547
MEDTRONIC PLC SHS SHS G5960L103 359 3,473 SH   SOLE NONE 0 0 3,473
COMERICA INC COM COM 200340107 204 2,340 SH   SOLE NONE 0 0 2,340
NETFLIX INC COM COM 64110L106 678 1,126 SH   SOLE NONE 0 0 1,126
PAYCHEX INC COM COM 704326107 253 1,854 SH   SOLE NONE 0 0 1,854
SPDR S&P SEMICONDUCTOR ETF S&P SEMICNDCTR 78464A862 887 3,647 SH   SOLE NONE 0 0 3,647
MERCK & CO INC COM COM 58933Y105 2,142 27,949 SH   SOLE NONE 0 0 27,949
SPDR S&P 500 ETF TR UNIT 78462F103 5,422 11,416 SH   SOLE NONE 0 0 11,416
MASTERCARD INCORPORATED CL A CL A 57636Q104 574 1,597 SH   SOLE NONE 0 0 1,597
ILLINOIS TOOL WKS INC COM COM 452308109 2,089 8,465 SH   SOLE NONE 0 0 8,465
ALLSTATE CORP COM COM 020002101 1,785 15,172 SH   SOLE NONE 0 0 15,172
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 235 1,816 SH   SOLE NONE 0 0 1,816
SYNCHRONOSS TECHNOLOGIES INC COM COM 87157B103 69 28,317 SH   SOLE NONE 0 0 28,317
EDWARDS LIFESCIENCES CORP COM COM 28176E108 216 1,670 SH   SOLE NONE 0 0 1,670
VERIZON COMMUNICATIONS INC COM COM 92343V104 456 8,782 SH   SOLE NONE 0 0 8,782
CHUBB LIMITED COM COM H1467J104 201 1,039 SH   SOLE NONE 0 0 1,039
FEDEX CORP COM COM 31428X106 271 1,049 SH   SOLE NONE 0 0 1,049
SHERWIN WILLIAMS CO COM COM 824348106 222 629 SH   SOLE NONE 0 0 629
PEPSICO INC COM COM 713448108 703 4,048 SH   SOLE NONE 0 0 4,048
HONEYWELL INTL INC COM COM 438516106 2,216 10,628 SH   SOLE NONE 0 0 10,628
FORD MTR CO DEL COM COM 345370860 478 23,019 SH   SOLE NONE 0 0 23,019
HOME DEPOT INC COM COM 437076102 4,379 10,550 SH   SOLE NONE 0 0 10,550
AUTOMATIC DATA PROCESSING INC COM COM 053015103 2,679 10,864 SH   SOLE NONE 0 0 10,864
HEALTH CARE SELECT SECTOR SPDR FUND SBI HEALTHCARE 81369Y209 742 5,267 SH   SOLE NONE 0 0 5,267
INFOSYS LTD SPONSORED ADR SPONSORED ADR 456788108 1,930 76,241 SH   SOLE NONE 0 0 76,241
SOUTHERN CO COM COM 842587107 1,404 20,472 SH   SOLE NONE 0 0 20,472
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 GRW ETF 464287614 17,218 56,342 SH   SOLE NONE 0 0 56,342
SCHWAB U.S. BROAD MARKET ETF US BRD MKT ETF 808524102 259 2,290 SH   SOLE NONE 0 0 2,290
JPMORGAN ULTRA-SHORT INCOME ETF ULTRA SHRT INC 46641Q837 555 11,003 SH   SOLE NONE 0 0 11,003
BERKSHIRE HATHAWAY INC DEL CL B NEW CL B NEW 084670702 2,856 9,553 SH   SOLE NONE 0 0 9,553
ADOBE SYSTEMS INCORPORATED COM COM 00724F101 804 1,417 SH   SOLE NONE 0 0 1,417
ALPHABET INC CAP STK CL A CAP STK CL A 02079K305 3,077 1,062 SH   SOLE NONE 0 0 1,062
PROGRESSIVE CORP COM COM 743315103 1,883 18,344 SH   SOLE NONE 0 0 18,344
INTUIT COM COM 461202103 565 877 SH   SOLE NONE 0 0 877
CSX CORP COM COM 126408103 302 8,039 SH   SOLE NONE 0 0 8,039
COMCAST CORP NEW CL A CL A 20030N101 331 6,573 SH   SOLE NONE 0 0 6,573
MICROSOFT CORP COM COM 594918104 10,267 30,526 SH   SOLE NONE 0 0 30,526
CVS HEALTH CORP COM COM 126650100 402 3,901 SH   SOLE NONE 0 0 3,901
SIMON PPTY GROUP INC NEW COM COM 828806109 311 1,946 SH   SOLE NONE 0 0 1,946
BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 901 2 SH   SOLE NONE 0 0 2
BOEING CO COM COM 097023105 260 1,292 SH   SOLE NONE 0 0 1,292
VANGUARD MID-CAP INDEX FUND MID CAP ETF 922908629 405 1,589 SH   SOLE NONE 0 0 1,589
NEXTERA ENERGY INC COM COM 65339F101 626 6,702 SH   SOLE NONE 0 0 6,702
NIKE INC CL B CL B 654106103 395 2,371 SH   SOLE NONE 0 0 2,371
TESLA INC COM COM 88160R101 2,066 1,955 SH   SOLE NONE 0 0 1,955
LINDE PLC SHS SHS G5494J103 330 952 SH   SOLE NONE 0 0 952
JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ULTRA SHT MUNCPL 46641Q654 499 9,780 SH   SOLE NONE 0 0 9,780
NORFOLK SOUTHN CORP COM COM 655844108 403 1,353 SH   SOLE NONE 0 0 1,353
SCHWAB SHORT-TERM U.S. TREASURY ETF SHT TM US TRES 808524862 247 4,862 SH   SOLE NONE 0 0 4,862
VANGUARD INDUSTRIALS INDEX FUND INDUSTRIAL ETF 92204A603 218 1,072 SH   SOLE NONE 0 0 1,072
VANGUARD INFORMATION TECHNOLOGY INDEX FUND INF TECH ETF 92204A702 1,202 2,624 SH   SOLE NONE 0 0 2,624
DOW INC COM COM 260557103 202 3,559 SH   SOLE NONE 0 0 3,559
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 676 1,548 SH   SOLE NONE 0 0 1,548
LILLY ELI & CO COM COM 532457108 2,521 9,126 SH   SOLE NONE 0 0 9,126
AIR PRODS & CHEMS INC COM COM 009158106 1,990 6,541 SH   SOLE NONE 0 0 6,541
VANGUARD RUSSELL 1000 GROWTH ETF VNG RUS1000GRW 92206C680 294 3,748 SH   SOLE NONE 0 0 3,748
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655 502 2,257 SH   SOLE NONE 0 0 2,257
DUKE ENERGY CORP NEW COM NEW COM NEW 26441C204 310 2,958 SH   SOLE NONE 0 0 2,958
DIGITAL RLTY TR INC COM COM 253868103 245 1,385 SH   SOLE NONE 0 0 1,385
AMERICAN ELEC PWR CO INC COM COM 025537101 234 2,629 SH   SOLE NONE 0 0 2,629
FIRST TR EXCHANGE TRADED FD II CLOUD COMPUTING CLOUD COMPUTING 33734X192 270 2,584 SH   SOLE NONE 0 0 2,584
SNOWFLAKE INC CL A CL A 833445109 214 631 SH   SOLE NONE 0 0 631
VANGUARD SMALL-CAP VALUE INDEX FUND SM CP VAL ETF 922908611 308 1,720 SH   SOLE NONE 0 0 1,720
KEMPER CORP COM COM 488401100 1,162 19,759 SH   SOLE NONE 0 0 19,759
VISA INC COM CL A COM CL A 92826C839 1,090 5,029 SH   SOLE NONE 0 0 5,029
ISHARES MSCI USA MIN VOL FACTOR ETF MSCI USA MIN VOL 46429B697 392 4,842 SH   SOLE NONE 0 0 4,842
VANGUARD SMALL-CAP GROWTH INDEX FUND SML CP GRW ETF 922908595 637 2,261 SH   SOLE NONE 0 0 2,261
VANGUARD VALUE INDEX FUND VALUE ETF 922908744 9,313 63,309 SH   SOLE NONE 0 0 63,309
VANGUARD GROWTH INDEX FUND GROWTH ETF 922908736 17,447 54,370 SH   SOLE NONE 0 0 54,370
SPIRE INC COM COM 84857L101 10,591 162,390 SH   SOLE NONE 0 0 162,390
AMERICAN TOWER CORP NEW COM COM 03027X100 426 1,456 SH   SOLE NONE 0 0 1,456
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF CORE S&P TTL STK 464287150 28,726 268,516 SH   SOLE NONE 0 0 268,516
META PLATFORMS INC CL A CL A 30303M102 1,629 4,842 SH   SOLE NONE 0 0 4,842
MONDELEZ INTL INC CL A CL A 609207105 234 3,535 SH   SOLE NONE 0 0 3,535
BROADCOM INC COM COM 11135F101 816 1,226 SH   SOLE NONE 0 0 1,226
MOODYS CORP COM COM 615369105 210 537 SH   SOLE NONE 0 0 537
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF CORE MSCI TOTAL 46432F834 208 2,933 SH   SOLE NONE 0 0 2,933
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 15,891 212,902 SH   SOLE NONE 0 0 212,902
ACCENTURE PLC IRELAND SHS CLASS A SHS CLASS A G1151C101 9,453 22,804 SH   SOLE NONE 0 0 22,804
KROGER CO COM COM 501044101 471 10,405 SH   SOLE NONE 0 0 10,405
NVIDIA CORPORATION COM COM 67066G104 2,165 7,361 SH   SOLE NONE 0 0 7,361
ABBVIE INC COM COM 00287Y109 787 5,815 SH   SOLE NONE 0 0 5,815
S&P GLOBAL INC COM COM 78409V104 324 686 SH   SOLE NONE 0 0 686
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 4,228 70,627 SH   SOLE NONE 0 0 70,627
ZOETIS INC CL A CL A 98978V103 349 1,432 SH   SOLE NONE 0 0 1,432
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS SPONSORED ADS 874039100 1,522 12,653 SH   SOLE NONE 0 0 12,653
QUALCOMM INC COM COM 747525103 312 1,704 SH   SOLE NONE 0 0 1,704
GENERAL DYNAMICS CORP COM COM 369550108 2,110 10,119 SH   SOLE NONE 0 0 10,119
INTUITIVE SURGICAL INC COM NEW COM NEW 46120E602 261 727 SH   SOLE NONE 0 0 727
MCDONALDS CORP COM COM 580135101 2,739 10,216 SH   SOLE NONE 0 0 10,216
CISCO SYS INC COM COM 17275R102 2,419 38,165 SH   SOLE NONE 0 0 38,165
ADVANCED MICRO DEVICES INC COM COM 007903107 487 3,382 SH   SOLE NONE 0 0 3,382
AT&T INC COM COM 00206R102 324 13,157 SH   SOLE NONE 0 0 13,157
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND INTERMED TERM 921937819 704 8,029 SH   SOLE NONE 0 0 8,029
ISHARES BIOTECHNOLOGY FUND ISHARES BIOTECH 464287556 279 1,830 SH   SOLE NONE 0 0 1,830
GENERAL ELECTRIC CO COM NEW COM NEW 369604301 276 2,920 SH   SOLE NONE 0 0 2,920
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND SBI CONS DISCR 81369Y407 531 2,598 SH   SOLE NONE 0 0 2,598
CHARTER COMMUNICATIONS INC NEW CL A CL A 16119P108 265 406 SH   SOLE NONE 0 0 406
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 1,951 4,090 SH   SOLE NONE 0 0 4,090
UNION PAC CORP COM COM 907818108 2,457 9,751 SH   SOLE NONE 0 0 9,751
ISHARES MBS ETF MBS ETF 464288588 555 5,162 SH   SOLE NONE 0 0 5,162
SALESFORCE COM INC COM COM 79466L302 530 2,086 SH   SOLE NONE 0 0 2,086
NORTHROP GRUMMAN CORP COM COM 666807102 1,818 4,698 SH   SOLE NONE 0 0 4,698
THERMO FISHER SCIENTIFIC INC COM COM 883556102 1,010 1,513 SH   SOLE NONE 0 0 1,513
LOCKHEED MARTIN CORP COM COM 539830109 2,079 5,850 SH   SOLE NONE 0 0 5,850
JPMORGAN CHASE & CO COM COM 46625H100 1,006 6,350 SH   SOLE NONE 0 0 6,350
CHEVRON CORP NEW COM COM 166764100 519 4,426 SH   SOLE NONE 0 0 4,426
ISHARES NATIONAL MUNI BOND ETF NATIONAL MUN ETF 464288414 472 4,060 SH   SOLE NONE 0 0 4,060
DANAHER CORPORATION COM COM 235851102 634 1,927 SH   SOLE NONE 0 0 1,927
BK OF AMERICA CORP COM COM 060505104 381 8,566 SH   SOLE NONE 0 0 8,566
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 13,595 105,291 SH   SOLE NONE 0 0 105,291
WALMART INC COM COM 931142103 709 4,897 SH   SOLE NONE 0 0 4,897
INTERNATIONAL BUSINESS MACHS COM COM 459200101 261 1,951 SH   SOLE NONE 0 0 1,951
ORACLE CORP COM COM 68389X105 2,309 26,473 SH   SOLE NONE 0 0 26,473
TEXAS INSTRS INC COM COM 882508104 720 3,822 SH   SOLE NONE 0 0 3,822
TARGET CORP COM COM 87612E106 438 1,892 SH   SOLE NONE 0 0 1,892
PFIZER INC COM COM 717081103 852 14,429 SH   SOLE NONE 0 0 14,429
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF IBOXX INV CP ETF 464287242 387 2,918 SH   SOLE NONE 0 0 2,918
3M CO COM COM 88579Y101 1,790 10,078 SH   SOLE NONE 0 0 10,078
CATERPILLAR INC COM COM 149123101 328 1,587 SH   SOLE NONE 0 0 1,587
ALPHABET INC CAP STK CL C CAP STK CL C 02079K107 2,309 798 SH   SOLE NONE 0 0 798
AMGEN INC COM COM 031162100 1,857 8,254 SH   SOLE NONE 0 0 8,254
APPLIED MATLS INC COM COM 038222105 308 1,960 SH   SOLE NONE 0 0 1,960
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX DJ INTERNT IDX 33733E302 257 1,135 SH   SOLE NONE 0 0 1,135
ISHARES CORE U.S. AGGREGATE BOND ETF CORE US AGGBD ET 464287226 12,335 108,125 SH   SOLE NONE 0 0 108,125
ISHARES CORE DIVIDEND GROWTH ETF CORE DIV GRWTH 46434V621 7,420 133,497 SH   SOLE NONE 0 0 133,497
EATON CORP PLC SHS SHS G29183103 238 1,380 SH   SOLE NONE 0 0 1,380
INVESCO NATIONAL AMT-FREE MUNICIPAL BOND ETF NATL AMT MUNI 46138E537 206 7,612 SH   SOLE NONE 0 0 7,612
ISHARES CORE TOTAL USD BOND MARKET ETF CORE TOTAL USD 46434V613 828 15,639 SH   SOLE NONE 0 0 15,639
DELTA AIR LINES INC DEL COM NEW COM NEW 247361702 480 12,293 SH   SOLE NONE 0 0 12,293
VANGUARD SHORT-TERM BOND INDEX FUND SHORT TRM BOND 921937827 434 5,367 SH   SOLE NONE 0 0 5,367
PNC FINL SVCS GROUP INC COM COM 693475105 292 1,458 SH   SOLE NONE 0 0 1,458
BRISTOL-MYERS SQUIBB CO COM COM 110122108 378 6,055 SH   SOLE NONE 0 0 6,055
ALTRIA GROUP INC COM COM 02209S103 282 5,952 SH   SOLE NONE 0 0 5,952
DOMINION ENERGY INC COM COM 25746U109 284 3,612 SH   SOLE NONE 0 0 3,612
EXXON MOBIL CORP COM COM 30231G102 951 15,548 SH   SOLE NONE 0 0 15,548
UNITEDHEALTH GROUP INC COM COM 91324P102 2,468 4,914 SH   SOLE NONE 0 0 4,914
LOWES COS INC COM COM 548661107 599 2,318 SH   SOLE NONE 0 0 2,318
VANECK INTERMEDIATE MUNI ETF INTRMDT MUNI ETF 92189H201 670 13,066 SH   SOLE NONE 0 0 13,066
LINCOLN NATL CORP IND COM COM 534187109 361 5,293 SH   SOLE NONE 0 0 5,293
DEERE & CO COM COM 244199105 234 681 SH   SOLE NONE 0 0 681
CONFORMIS INC COM COM 20717E101 8 10,250 SH   SOLE NONE 0 0 10,250
PAYPAL HLDGS INC COM COM 70450Y103 688 3,646 SH   SOLE NONE 0 0 3,646
CROWN CASTLE INTL CORP NEW COM COM 22822V101 364 1,744 SH   SOLE NONE 0 0 1,744
AUTOZONE INC COM COM 053332102 314 150 SH   SOLE NONE 0 0 150
BLACKROCK INC COM COM 09247X101 414 452 SH   SOLE NONE 0 0 452
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 1,256 15,969 SH   SOLE NONE 0 0 15,969
APPLE INC COM COM 037833100 20,046 112,888 SH   SOLE NONE 0 0 112,888
ABBOTT LABS COM COM 002824100 2,774 19,709 SH   SOLE NONE 0 0 19,709
DISNEY WALT CO COM COM 254687106 708 4,569 SH   SOLE NONE 0 0 4,569
ISHARES RUSSELL 1000 VALUE ETF RUS 1000 VAL ETF 464287598 790 4,706 SH   SOLE NONE 0 0 4,706