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
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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
ALPHABET INC CAP STK CL A 02079K305   334,278 2,393 SH   SOLE   0 0 2,393
AMAZON COM INC COM 023135106   207,271 1,364 SH   SOLE   0 0 1,364
APPLE INC COM 037833100   1,109,445 5,762 SH   SOLE   0 0 5,762
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   517,514 1,451 SH   SOLE   0 0 1,451
BROADCOM INC COM 11135F101   342,391 306 SH   SOLE   0 0 306
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   248,110 8,788 SH   SOLE   0 0 8,788
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   479,339 20,081 SH   SOLE   0 0 20,081
CARRIER GLOBAL CORPORATION COM 14448C104   305,691 5,321 SH   SOLE   0 0 5,321
CATERPILLAR INC COM 149123101   202,441 684 SH   SOLE   0 0 684
CHESAPEAKE UTILS CORP COM 165303108   374,353 3,544 SH   SOLE   0 0 3,544
CHEVRON CORP NEW COM 166764100   346,759 2,324 SH   SOLE   0 0 2,324
CLEVELAND-CLIFFS INC NEW COM 185899101   933,444 45,712 SH   SOLE   0 0 45,712
COCA COLA CO COM 191216100   350,656 5,950 SH   SOLE   0 0 5,950
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   3,576,551 140,092 SH   SOLE   0 0 140,092
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   8,453,956 289,221 SH   SOLE   0 0 289,221
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   642,066 26,292 SH   SOLE   0 0 26,292
EXXON MOBIL CORP COM 30231G102   1,022,545 10,227 SH   SOLE   0 0 10,227
FIDELITY COVINGTON TRUST BLUE CHIP GRWTH 316092352   291,866 8,762 SH   SOLE   0 0 8,762
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   491,344 10,672 SH   SOLE   0 0 10,672
GENERAL DYNAMICS CORP COM 369550108   227,448 875 SH   SOLE   0 0 875
ILLINOIS TOOL WKS INC COM 452308109   208,298 795 SH   SOLE   0 0 795
ISHARES TR CORE DIV GRWTH 46434V621   4,143,666 76,991 SH   SOLE   0 0 76,991
ISHARES TR CORE HIGH DV ETF 46429B663   9,789,633 95,986 SH   SOLE   0 0 95,986
ISHARES TR CORE MSCI EAFE 46432F842   1,071,829 15,235 SH   SOLE   0 0 15,235
ISHARES TR CORE MSCI TOTAL 46432F834   2,531,065 38,981 SH   SOLE   0 0 38,981
ISHARES TR CORE S&P MCP ETF 464287507   8,304,960 29,965 SH   SOLE   0 0 29,965
ISHARES TR CORE S&P SCP ETF 464287804   6,172,476 57,020 SH   SOLE   0 0 57,020
ISHARES TR CORE S&P TTL STK 464287150   2,112,355 20,073 SH   SOLE   0 0 20,073
ISHARES TR CORE S&P500 ETF 464287200   351,001 734 SH   SOLE   0 0 734
ISHARES TR IBONDS 24 TRM TS 46436E874   7,515,417 314,979 SH   SOLE   0 0 314,979
ISHARES TR IBONDS 25 TRM TS 46436E866   4,331,946 186,080 SH   SOLE   0 0 186,080
ISHARES TR IBONDS DEC 46435U697   266,506 10,277 SH   SOLE   0 0 10,277
ISHARES TR IBONDS DEC24 ETF 46434VBG4   453,148 18,191 SH   SOLE   0 0 18,191
ISHARES TR INTL SEL DIV ETF 464288448   3,648,948 130,366 SH   SOLE   0 0 130,366
ISHARES TR MSCI USA MIN VOL 46429B697   804,166 10,305 SH   SOLE   0 0 10,305
ISHARES TR PFD AND INCM SEC 464288687   983,053 31,518 SH   SOLE   0 0 31,518
ISHARES TR S&P 500 VAL ETF 464287408   232,411 1,336 SH   SOLE   0 0 1,336
ISHARES TR U.S. REAL ES ETF 464287739   1,765,035 19,308 SH   SOLE   0 0 19,308
JOHNSON & JOHNSON COM 478160104   455,528 2,906 SH   SOLE   0 0 2,906
KIMBERLY-CLARK CORP COM 494368103   278,149 2,289 SH   SOLE   0 0 2,289
MCDONALDS CORP COM 580135101   286,232 965 SH   SOLE   0 0 965
MICROSOFT CORP COM 594918104   3,331,753 8,860 SH   SOLE   0 0 8,860
NVIDIA CORPORATION COM 67066G104   1,534,663 3,098 SH   SOLE   0 0 3,098
OTIS WORLDWIDE CORP COM 68902V107   247,385 2,765 SH   SOLE   0 0 2,765
PFIZER INC COM 717081103   212,686 7,387 SH   SOLE   0 0 7,387
PROSHARES TR S&P 500 DV ARIST 74348A467   754,862 7,929 SH   SOLE   0 0 7,929
PROSHARES TR S&P MDCP 400 DIV 74347B680   3,497,192 47,535 SH   SOLE   0 0 47,535
QUANTA SVCS INC COM 74762E102   387,729 1,796 SH   SOLE   0 0 1,796
RTX CORPORATION COM 75513E101   513,960 6,108 SH   SOLE   0 0 6,108
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,267,882 20,020 SH   SOLE   0 0 20,020
SPDR SER TR S&P DIVID ETF 78464A763   401,270 3,210 SH   SOLE   0 0 3,210
TOYOTA MOTOR CORP ADS 892331307   362,658 1,977 SH   SOLE   0 0 1,977
UNION PAC CORP COM 907818108   573,017 2,332 SH   SOLE   0 0 2,332
UNITEDHEALTH GROUP INC COM 91324P102   368,106 699 SH   SOLE   0 0 699
VANGUARD INDEX FDS MID CAP ETF 922908629   290,070 1,246 SH   SOLE   0 0 1,246
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,475,278 16,696 SH   SOLE   0 0 16,696
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,380,282 14,249 SH   SOLE   0 0 14,249
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,284,957 27,057 SH   SOLE   0 0 27,057
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   979,830 5,750 SH   SOLE   0 0 5,750
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   398,888 3,573 SH   SOLE   0 0 3,573
WALMART INC COM 931142103   486,253 3,084 SH   SOLE   0 0 3,084
WEC ENERGY GROUP INC COM 92939U106   253,141 3,007 SH   SOLE   0 0 3,007
WHEATON PRECIOUS METALS CORP COM 962879102   1,499,353 30,388 SH   SOLE   0 0 30,388
WP CAREY INC COM 92936U109   513,461 7,922 SH   SOLE   0 0 7,922