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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMERICAN TOWER CORP NEW COM 03027X100 BBG001S5NPQ6 408,826 2,108 SH   SOLE   2,108 0 0
AMERICAN WTR WKS CO INC NEW COM 030420103 BBG001SPHYW3 205,560 1,440 SH   SOLE   1,440 0 0
ANALOG DEVICES INC COM 032654105 BBG001S5ND38 339,749 1,744 SH   SOLE   1,744 0 0
APPLE INC COM 037833100 BBG001S5N8V8 1,011,659 5,216 SH   SOLE   5,216 0 0
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 473,230 16,495 SH   SOLE   16,495 0 0
BECTON DICKINSON & CO COM 075887109 BBG001S5P374 375,422 1,422 SH   SOLE   1,422 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 242,948 1,544 SH   SOLE   1,544 0 0
COCA COLA CO COM 191216100 BBG001S5SMQ8 277,012 4,600 SH   SOLE   4,600 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 381,907 709 SH   SOLE   709 0 0
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 BBG01254JDW6 479,862 10,353 SH   SOLE   10,353 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 222,107 2,475 SH   SOLE   2,475 0 0
ECOLAB INC COM 278865100 BBG001S5QRB5 376,740 2,018 SH   SOLE   2,018 0 0
ESSENTIAL UTILS INC COM 29670G102 BBG001S5VFD3 502,612 12,594 SH   SOLE   12,594 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 618,404 5,766 SH   SOLE   5,766 0 0
FASTENAL CO COM 311900104 BBG001S5R1F7 213,839 3,625 SH   SOLE   3,625 0 0
FIRST AMERN FINL CORP COM 31847R102 BBG001T1LV65 368,349 6,460 SH   SOLE   6,460 0 0
FRANCO NEV CORP COM 351858105 BBG001STGSR5 341,955 2,398 SH   SOLE   2,398 0 0
GENERAL MLS INC COM 370334104 BBG001S5RKR2 338,247 4,410 SH   SOLE   4,410 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 631,812 2,034 SH   SOLE   2,034 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 629,442 4,704 SH   SOLE   4,704 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 BBG00KJR0YJ0 1,004,368 47,443 SH   SOLE   47,443 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 BBG00KJR2GD3 518,878 25,225 SH   SOLE   25,225 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 BBG00KJR2J47 644,663 32,025 SH   SOLE   32,025 0 0
ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 736,352 20,235 SH   SOLE   20,235 0 0
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 972,097 19,722 SH   SOLE   19,722 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 BBG001S5S0N9 460,647 2,353 SH   SOLE   2,353 0 0
MARKETAXESS HLDGS INC COM 57060D108 BBG001S8R6K4 258,292 988 SH   SOLE   988 0 0
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 277,163 3,146 SH   SOLE   3,146 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,167,399 3,428 SH   SOLE   3,428 0 0
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 223,342 3,010 SH   SOLE   3,010 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 333,763 789 SH   SOLE   789 0 0
PFIZER INC COM 717081103 BBG001S5V466 359,922 9,813 SH   SOLE   9,813 0 0
PRICE T ROWE GROUP INC COM 74144T108 BBG001S5WW18 250,253 2,234 SH   SOLE   2,234 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 265,935 2,234 SH   SOLE   2,234 0 0
RPM INTL INC COM 749685103 BBG001S7X317 379,827 4,233 SH   SOLE   4,233 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 455,581 18,497 SH   SOLE   18,497 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 1,512,487 42,426 SH   SOLE   42,426 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 568,550 11,830 SH   SOLE   11,830 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 1,201,314 26,025 SH   SOLE   26,025 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 1,530,603 29,605 SH   SOLE   29,605 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 852,830 19,471 SH   SOLE   19,471 0 0
SNAP ON INC COM 833034101 BBG001S5W688 291,936 1,013 SH   SOLE   1,013 0 0
STARBUCKS CORP COM 855244109 BBG001S72KH6 605,325 6,111 SH   SOLE   6,111 0 0
TJX COS INC NEW COM 872540109 BBG001S5WQ93 280,231 3,305 SH   SOLE   3,305 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 488,315 2,218 SH   SOLE   2,218 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 222,938 2,668 SH   SOLE   2,668 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 377,418 6,434 SH   SOLE   6,434 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 670,836 4,130 SH   SOLE   4,130 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 308,019 4,102 SH   SOLE   4,102 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 412,978 1,739 SH   SOLE   1,739 0 0
WALMART INC COM 931142103 BBG001S5XH92 379,259 2,413 SH   SOLE   2,413 0 0
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 245,216 1,414 SH   SOLE   1,414 0 0
WEC ENERGY GROUP INC COM 92939U106 BBG001S5XDC7 323,400 3,665 SH   SOLE   3,665 0 0
XYLEM INC COM 98419M100 BBG001V05C73 297,880 2,645 SH   SOLE   2,645 0 0