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
ABBOTT LABS COM COM 002824100 2,106 19,386 SH   SOLE NONE 0 0 19,386
ABBVIE INC COM COM 00287Y109 961 6,278 SH   SOLE NONE 0 0 6,278
ACCENTURE PLC IRELAND SHS CLASS A SHS CLASS A G1151C101 8,142 29,325 SH   SOLE NONE 0 0 29,325
ADOBE SYSTEMS INCORPORATED COM COM 00724F101 520 1,423 SH   SOLE NONE 0 0 1,423
ADVANCED MICRO DEVICES INC COM COM 007903107 312 4,091 SH   SOLE NONE 0 0 4,091
AIR PRODS & CHEMS INC COM COM 009158106 1,689 7,025 SH   SOLE NONE 0 0 7,025
ALLSTATE CORP COM COM 020002101 1,998 15,771 SH   SOLE NONE 0 0 15,771
ALPHABET INC CAP STK CL A CAP STK CL A 02079K305 2,473 1,135 SH   SOLE NONE 0 0 1,135
ALPHABET INC CAP STK CL C CAP STK CL C 02079K107 1,776 812 SH   SOLE NONE 0 0 812
ALTRIA GROUP INC COM COM 02209S103 251 6,024 SH   SOLE NONE 0 0 6,024
AMAZON COM INC COM COM 023135106 5,154 48,531 SH   SOLE NONE 0 0 48,531
AMERICAN ELEC PWR CO INC COM COM 025537101 256 2,669 SH   SOLE NONE 0 0 2,669
AMERICAN TOWER CORP NEW COM COM 03027X100 395 1,548 SH   SOLE NONE 0 0 1,548
AMGEN INC COM COM 031162100 2,354 9,675 SH   SOLE NONE 0 0 9,675
APPLE INC COM COM 037833100 15,773 115,369 SH   SOLE NONE 0 0 115,369
AT&T INC COM COM 00206R102 533 25,468 SH   SOLE NONE 0 0 25,468
AUTOMATIC DATA PROCESSING INC COM COM 053015103 2,220 10,570 SH   SOLE NONE 0 0 10,570
AUTOZONE INC COM COM 053332102 333 155 SH   SOLE NONE 0 0 155
BALL CORP COM COM 058498106 446 6,489 SH   SOLE NONE 0 0 6,489
BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 817 2 SH   SOLE NONE 0 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW CL B NEW 084670702 2,643 9,683 SH   SOLE NONE 0 0 9,683
BK OF AMERICA CORP COM COM 060505104 271 8,709 SH   SOLE NONE 0 0 8,709
BLACKROCK INC COM COM 09247X101 299 491 SH   SOLE NONE 0 0 491
BRISTOL-MYERS SQUIBB CO COM COM 110122108 492 6,397 SH   SOLE NONE 0 0 6,397
BROADCOM INC COM COM 11135F101 614 1,265 SH   SOLE NONE 0 0 1,265
CATERPILLAR INC COM COM 149123101 298 1,668 SH   SOLE NONE 0 0 1,668
CHEVRON CORP NEW COM COM 166764100 691 4,779 SH   SOLE NONE 0 0 4,779
CHUBB LIMITED COM COM H1467J104 215 1,094 SH   SOLE NONE 0 0 1,094
CISCO SYS INC COM COM 17275R102 1,659 38,928 SH   SOLE NONE 0 0 38,928
CME GROUP INC COM COM 12572Q105 319 1,560 SH   SOLE NONE 0 0 1,560
COCA COLA CO COM COM 191216100 3,375 152,059 SH   SOLE NONE 0 0 152,059
COMCAST CORP NEW CL A CL A 20030N101 262 6,701 SH   SOLE NONE 0 0 6,701
CONFORMIS INC COM COM 20717E101 3 10,250 SH   SOLE NONE 0 0 10,250
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND SBI CONS DISCR 81369Y407 354 2,576 SH   SOLE NONE 0 0 2,576
COSTCO WHSL CORP NEW COM COM 22160K105 748 1,562 SH   SOLE NONE 0 0 1,562
CROWN CASTLE INTL CORP NEW COM COM 22822V101 302 1,797 SH   SOLE NONE 0 0 1,797
CSX CORP COM COM 126408103 221 7,629 SH   SOLE NONE 0 0 7,629
CVS HEALTH CORP COM COM 126650100 369 3,991 SH   SOLE NONE 0 0 3,991
DANAHER CORPORATION COM COM 235851102 492 1,944 SH   SOLE NONE 0 0 1,944
DELTA AIR LINES INC DEL COM NEW COM NEW 247361702 358 12,381 SH   SOLE NONE 0 0 12,381
DIMENSIONAL US CORE EQUITY MARKET ETF US CORE EQT MKT 25434V104 332 12,583 SH   SOLE NONE 0 0 12,583
DISNEY WALT CO COM COM 254687106 310 3,291 SH   SOLE NONE 0 0 3,291
DOMINION ENERGY INC COM COM 25746U109 229 2,873 SH   SOLE NONE 0 0 2,873
DUKE ENERGY CORP NEW COM NEW COM NEW 26441C204 328 3,064 SH   SOLE NONE 0 0 3,064
ELEVANCE HEALTH INC COM COM 036752103 441 915 SH   SOLE NONE 0 0 915
EXACT SCIENCES CORP COM COM 30063P105 479 12,182 SH   SOLE NONE 0 0 12,182
EXXON MOBIL CORP COM COM 30231G102 1,441 16,835 SH   SOLE NONE 0 0 16,835
FEDEX CORP COM COM 31428X106 259 1,144 SH   SOLE NONE 0 0 1,144
FORD MTR CO DEL COM COM 345370860 226 20,359 SH   SOLE NONE 0 0 20,359
GENERAL DYNAMICS CORP COM COM 369550108 2,096 9,477 SH   SOLE NONE 0 0 9,477
GENERAL ELECTRIC CO COM NEW COM NEW 369604301 209 3,287 SH   SOLE NONE 0 0 3,287
HEALTH CARE SELECT SECTOR SPDR FUND SBI HEALTHCARE 81369Y209 644 5,022 SH   SOLE NONE 0 0 5,022
HOME DEPOT INC COM COM 437076102 2,940 10,720 SH   SOLE NONE 0 0 10,720
HONEYWELL INTL INC COM COM 438516106 2,021 11,629 SH   SOLE NONE 0 0 11,629
HUMANA INC COM COM 444859102 206 442 SH   SOLE NONE 0 0 442
ILLINOIS TOOL WKS INC COM COM 452308109 1,575 8,643 SH   SOLE NONE 0 0 8,643
INFOSYS LTD SPONSORED ADR SPONSORED ADR 456788108 1,495 80,771 SH   SOLE NONE 0 0 80,771
INTEL CORP COM COM 458140100 353 9,462 SH   SOLE NONE 0 0 9,462
INTERNATIONAL BUSINESS MACHS COM COM 459200101 381 2,700 SH   SOLE NONE 0 0 2,700
INTUIT COM COM 461202103 355 921 SH   SOLE NONE 0 0 921
INVESCO QQQ TRUST UNIT SER 1 46090E103 5,133 18,317 SH   SOLE NONE 0 0 18,317
ISHARES BIOTECHNOLOGY FUND ISHARES BIOTECH 464287556 291 2,480 SH   SOLE NONE 0 0 2,480
ISHARES CORE DIVIDEND GROWTH ETF CORE DIV GRWTH 46434V621 5,508 115,630 SH   SOLE NONE 0 0 115,630
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 11,937 202,838 SH   SOLE NONE 0 0 202,838
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 3,023 61,620 SH   SOLE NONE 0 0 61,620
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 1,695 4,471 SH   SOLE NONE 0 0 4,471
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF CORE S&P TTL STK 464287150 22,741 271,448 SH   SOLE NONE 0 0 271,448
ISHARES CORE U.S. AGGREGATE BOND ETF CORE US AGGBD ET 464287226 3,947 38,819 SH   SOLE NONE 0 0 38,819
ISHARES GOLD TRUST ISHARES NEW 464285204 202 5,896 SH   SOLE NONE 0 0 5,896
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF IBOXX INV CP ETF 464287242 211 1,925 SH   SOLE NONE 0 0 1,925
ISHARES MBS ETF MBS ETF 464288588 357 3,665 SH   SOLE NONE 0 0 3,665
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 1,384 22,147 SH   SOLE NONE 0 0 22,147
ISHARES MSCI EMERGING MARKETS ETF MSCI EMG MKT ETF 464287234 341 8,528 SH   SOLE NONE 0 0 8,528
ISHARES MSCI USA MIN VOL FACTOR ETF MSCI USA MIN VOL 46429B697 444 6,337 SH   SOLE NONE 0 0 6,337
ISHARES NATIONAL MUNI BOND ETF NATIONAL MUN ETF 464288414 243 2,292 SH   SOLE NONE 0 0 2,292
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 GRW ETF 464287614 9,224 42,179 SH   SOLE NONE 0 0 42,179
ISHARES RUSSELL 1000 VALUE ETF RUS 1000 VAL ETF 464287598 843 5,815 SH   SOLE NONE 0 0 5,815
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655 3,829 22,614 SH   SOLE NONE 0 0 22,614
ISHARES SELECT DIVIDEND ETF SELECT DIVID ETF 464287168 392 3,336 SH   SOLE NONE 0 0 3,336
JOHNSON & JOHNSON COM COM 478160104 3,281 18,489 SH   SOLE NONE 0 0 18,489
JPMORGAN CHASE & CO COM COM 46625H100 663 5,892 SH   SOLE NONE 0 0 5,892
JPMORGAN ULTRA-SHORT INCOME ETF ULTRA SHRT INC 46641Q837 517 10,332 SH   SOLE NONE 0 0 10,332
JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ULTRA SHT MUNCPL 46641Q654 495 9,780 SH   SOLE NONE 0 0 9,780
KEMPER CORP COM COM 488401100 585 12,217 SH   SOLE NONE 0 0 12,217
KROGER CO COM COM 501044101 507 10,714 SH   SOLE NONE 0 0 10,714
LILLY ELI & CO COM COM 532457108 2,757 8,504 SH   SOLE NONE 0 0 8,504
LINCOLN NATL CORP IND COM COM 534187109 247 5,284 SH   SOLE NONE 0 0 5,284
LINDE PLC SHS SHS G5494J103 290 1,010 SH   SOLE NONE 0 0 1,010
LOCKHEED MARTIN CORP COM COM 539830109 2,355 5,478 SH   SOLE NONE 0 0 5,478
LOWES COS INC COM COM 548661107 409 2,342 SH   SOLE NONE 0 0 2,342
M & T BK CORP COM COM 55261F104 213 1,340 SH   SOLE NONE 0 0 1,340
MASTERCARD INCORPORATED CL A CL A 57636Q104 526 1,669 SH   SOLE NONE 0 0 1,669
MCDONALDS CORP COM COM 580135101 2,669 10,813 SH   SOLE NONE 0 0 10,813
MEDTRONIC PLC SHS SHS G5960L103 1,228 13,689 SH   SOLE NONE 0 0 13,689
MERCK & CO INC COM COM 58933Y105 2,705 29,674 SH   SOLE NONE 0 0 29,674
META PLATFORMS INC CL A CL A 30303M102 578 3,590 SH   SOLE NONE 0 0 3,590
MICROSOFT CORP COM COM 594918104 7,927 30,868 SH   SOLE NONE 0 0 30,868
MONDELEZ INTL INC CL A CL A 609207105 229 3,702 SH   SOLE NONE 0 0 3,702
NEXTERA ENERGY INC COM COM 65339F101 537 6,940 SH   SOLE NONE 0 0 6,940
NIKE INC CL B CL B 654106103 228 2,232 SH   SOLE NONE 0 0 2,232
NISOURCE INC COM COM 65473P105 247 8,377 SH   SOLE NONE 0 0 8,377
NORFOLK SOUTHN CORP COM COM 655844108 314 1,382 SH   SOLE NONE 0 0 1,382
NORTHROP GRUMMAN CORP COM COM 666807102 1,975 4,127 SH   SOLE NONE 0 0 4,127
NOVO-NORDISK A S ADR ADR 670100205 1,283 11,518 SH   SOLE NONE 0 0 11,518
NVIDIA CORPORATION COM COM 67066G104 1,182 7,798 SH   SOLE NONE 0 0 7,798
ORACLE CORP COM COM 68389X105 1,925 27,559 SH   SOLE NONE 0 0 27,559
PALANTIR TECHNOLOGIES INC CL A CL A 69608A108 499 55,109 SH   SOLE NONE 0 0 55,109
PAYCHEX INC COM COM 704326107 223 1,966 SH   SOLE NONE 0 0 1,966
PEPSICO INC COM COM 713448108 706 4,238 SH   SOLE NONE 0 0 4,238
PFIZER INC COM COM 717081103 780 14,879 SH   SOLE NONE 0 0 14,879
PNC FINL SVCS GROUP INC COM COM 693475105 236 1,497 SH   SOLE NONE 0 0 1,497
PROCTER AND GAMBLE CO COM COM 742718109 2,400 16,695 SH   SOLE NONE 0 0 16,695
PROGRESSIVE CORP COM COM 743315103 2,152 18,512 SH   SOLE NONE 0 0 18,512
QUALCOMM INC COM COM 747525103 235 1,847 SH   SOLE NONE 0 0 1,847
RAYTHEON TECHNOLOGIES CORP COM COM 75513E101 221 2,305 SH   SOLE NONE 0 0 2,305
REGENERON PHARMACEUTICALS COM COM 75886F107 219 371 SH   SOLE NONE 0 0 371
S&P GLOBAL INC COM COM 78409V104 310 921 SH   SOLE NONE 0 0 921
SALESFORCE INC COM COM 79466L302 380 2,304 SH   SOLE NONE 0 0 2,304
SCHWAB U.S. BROAD MARKET ETF US BRD MKT ETF 808524102 538 12,176 SH   SOLE NONE 0 0 12,176
SOUTHERN CO COM COM 842587107 1,470 20,620 SH   SOLE NONE 0 0 20,620
SPDR DOW JONES GLOBAL REAL ESTATE ETF DJ GLB RL ES ETF 78463X749 226 5,142 SH   SOLE NONE 0 0 5,142
SPDR S&P 500 ETF TR UNIT 78462F103 4,306 11,416 SH   SOLE NONE 0 0 11,416
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 15,522 130,784 SH   SOLE NONE 0 0 130,784
SPDR S&P SEMICONDUCTOR ETF S&P SEMICNDCTR 78464A862 461 3,040 SH   SOLE NONE 0 0 3,040
SPIRE INC COM COM 84857L101 12,420 167,013 SH   SOLE NONE 0 0 167,013
STARBUCKS CORP COM COM 855244109 1,700 22,255 SH   SOLE NONE 0 0 22,255
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS SPONSORED ADS 874039100 1,159 14,187 SH   SOLE NONE 0 0 14,187
TARGET CORP COM COM 87612E106 271 1,923 SH   SOLE NONE 0 0 1,923
TECHNOLOGY SELECT SECTOR SPDR FUND TECHNOLOGY 81369Y803 451 3,552 SH   SOLE NONE 0 0 3,552
TESLA INC COM COM 88160R101 1,537 2,283 SH   SOLE NONE 0 0 2,283
TEXAS INSTRS INC COM COM 882508104 570 3,709 SH   SOLE NONE 0 0 3,709
THERMO FISHER SCIENTIFIC INC COM COM 883556102 811 1,494 SH   SOLE NONE 0 0 1,494
TRUIST FINL CORP COM COM 89832Q109 203 4,284 SH   SOLE NONE 0 0 4,284
UNION PAC CORP COM COM 907818108 2,040 9,568 SH   SOLE NONE 0 0 9,568
UNITED PARCEL SERVICE INC CL B CL B 911312106 551 3,021 SH   SOLE NONE 0 0 3,021
UNITEDHEALTH GROUP INC COM COM 91324P102 2,584 5,032 SH   SOLE NONE 0 0 5,032
VANECK INTERMEDIATE MUNI ETF INTRMDT MUNI ETF 92189H201 223 4,887 SH   SOLE NONE 0 0 4,887
VANGUARD GROWTH INDEX FUND GROWTH ETF 922908736 14,207 63,744 SH   SOLE NONE 0 0 63,744
VANGUARD INFORMATION TECHNOLOGY INDEX FUND INF TECH ETF 92204A702 933 2,860 SH   SOLE NONE 0 0 2,860
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND INTERMED TERM 921937819 406 5,230 SH   SOLE NONE 0 0 5,230
VANGUARD MID-CAP INDEX FUND MID CAP ETF 922908629 291 1,481 SH   SOLE NONE 0 0 1,481
VANGUARD REAL ESTATE ETF REAL ESTATE ETF 922908553 3,553 39,000 SH   SOLE NONE 0 0 39,000
VANGUARD RUSSELL 1000 GROWTH ETF VNG RUS1000GRW 92206C680 210 3,748 SH   SOLE NONE 0 0 3,748
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 612 1,766 SH   SOLE NONE 0 0 1,766
VANGUARD SHORT-TERM BOND INDEX FUND SHORT TRM BOND 921937827 248 3,238 SH   SOLE NONE 0 0 3,238
VANGUARD SMALL-CAP GROWTH INDEX FUND SML CP GRW ETF 922908595 432 2,197 SH   SOLE NONE 0 0 2,197
VANGUARD SMALL-CAP VALUE INDEX FUND SM CP VAL ETF 922908611 360 2,406 SH   SOLE NONE 0 0 2,406
VANGUARD TOTAL STOCK MARKET INDEX FUND TOTAL STK MKT 922908769 30,930 163,982 SH   SOLE NONE 0 0 163,982
VANGUARD VALUE INDEX FUND VALUE ETF 922908744 9,023 68,422 SH   SOLE NONE 0 0 68,422
VERIZON COMMUNICATIONS INC COM COM 92343V104 517 10,200 SH   SOLE NONE 0 0 10,200
VISA INC COM CL A COM CL A 92826C839 1,038 5,273 SH   SOLE NONE 0 0 5,273
WALMART INC COM COM 931142103 585 4,813 SH   SOLE NONE 0 0 4,813
WARNER BROS DISCOVERY INC COM SER A COM SER A 934423104 143 10,656 SH   SOLE NONE 0 0 10,656
WISDOMTREE U.S. QUALITY DIVIDEND GROWTH FUND US QTLY DIV GRT 97717X669 487 8,507 SH   SOLE NONE 0 0 8,507
ZOETIS INC CL A CL A 98978V103 260 1,513 SH   SOLE NONE 0 0 1,513