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
ACTIVISION BLIZZARD INC COM 00507V109 301 4,047 SH   SOLE   4,047 0 0
AMERICAN TOWER CORP NEW COM 03027X100 359 1,673 SH   SOLE   1,673 0 0
ANALOG DEVICES INC COM 032654105 201 1,444 SH   SOLE   1,444 0 0
APPLE INC COM 037833100 517 3,741 SH   SOLE   3,741 0 0
BECTON DICKINSON & CO COM 075887109 276 1,237 SH   SOLE   1,237 0 0
BK OF AMERICA CORP COM 060505104 384 12,723 SH   SOLE   12,723 0 0
COSTCO WHSL CORP NEW COM 22160K105 272 576 SH   SOLE   576 0 0
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 339 7,377 SH   SOLE   7,377 0 0
DISNEY WALT CO COM 254687106 288 3,052 SH   SOLE   3,052 0 0
ECOLAB INC COM 278865100 237 1,640 SH   SOLE   1,640 0 0
ESSENTIAL UTILS INC COM 29670G102 431 10,419 SH   SOLE   10,419 0 0
EXXON MOBIL CORP COM 30231G102 443 5,074 SH   SOLE   5,074 0 0
FIRST AMERN FINL CORP COM 31847R102 203 4,410 SH   SOLE   4,410 0 0
FRANCO NEV CORP COM 351858105 216 1,811 SH   SOLE   1,811 0 0
GENERAL MLS INC COM 370334104 338 4,410 SH   SOLE   4,410 0 0
HOME DEPOT INC COM 437076102 516 1,870 SH   SOLE   1,870 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 425 3,575 SH   SOLE   3,575 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 1,120 52,861 SH   SOLE   52,861 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 933 44,692 SH   SOLE   44,692 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 375 18,400 SH   SOLE   18,400 0 0
ISHARES GOLD TR ISHARES NEW 464285204 283 8,965 SH   SOLE   8,965 0 0
ISHARES TR CORE INTL AGGR 46435G672 832 17,220 SH   SOLE   17,220 0 0
ISHARES TR S&P 500 VAL ETF 464287408 355 2,764 SH   SOLE   2,764 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 398 1,915 SH   SOLE   1,915 0 0
MICROSOFT CORP COM 594918104 758 3,256 SH   SOLE   3,256 0 0
NEXTERA ENERGY INC COM 65339F101 206 2,625 SH   SOLE   2,625 0 0
PFIZER INC COM 717081103 341 7,791 SH   SOLE   7,791 0 0
RPM INTL INC COM 749685103 283 3,398 SH   SOLE   3,398 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 341 15,231 SH   SOLE   15,231 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 994 35,346 SH   SOLE   35,346 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 507 10,505 SH   SOLE   10,505 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 977 21,570 SH   SOLE   21,570 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 890 21,186 SH   SOLE   21,186 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 607 16,052 SH   SOLE   16,052 0 0
STARBUCKS CORP COM 855244109 493 5,851 SH   SOLE   5,851 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 344 1,830 SH   SOLE   1,830 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 493 3,648 SH   SOLE   3,648 0 0
VISA INC COM CL A 92826C839 266 1,499 SH   SOLE   1,499 0 0
WALMART INC COM 931142103 231 1,778 SH   SOLE   1,778 0 0