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
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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 BBG009S39JY5 312,101 2,385 SH   SOLE   2,385 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 479,624 3,773 SH   SOLE   3,773 0 0
AMERICAN TOWER CORP NEW COM 03027X100 BBG001S5NPQ6 348,798 2,121 SH   SOLE   2,121 0 0
AMGEN INC COM 031162100 BBG001S5NNL6 211,783 788 SH   SOLE   788 0 0
ANALOG DEVICES INC COM 032654105 BBG001S5ND38 312,361 1,784 SH   SOLE   1,784 0 0
APPLE INC COM 037833100 BBG001S5N8V8 1,680,542 9,816 SH   SOLE   9,816 0 0
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 458,533 16,747 SH   SOLE   16,747 0 0
BECTON DICKINSON & CO COM 075887109 BBG001S5P374 368,922 1,427 SH   SOLE   1,427 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 264,565 1,569 SH   SOLE   1,569 0 0
COCA COLA CO COM 191216100 BBG001S5SMQ8 260,867 4,660 SH   SOLE   4,660 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 401,927 711 SH   SOLE   711 0 0
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 BBG01254JDW6 521,404 11,242 SH   SOLE   11,242 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 236,096 2,675 SH   SOLE   2,675 0 0
ECOLAB INC COM 278865100 BBG001S5QRB5 346,931 2,048 SH   SOLE   2,048 0 0
ESSENTIAL UTILS INC COM 29670G102 BBG001S5VFD3 442,467 12,889 SH   SOLE   12,889 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 681,729 5,798 SH   SOLE   5,798 0 0
FIRST AMERN FINL CORP COM 31847R102 BBG001T1LV65 367,467 6,505 SH   SOLE   6,505 0 0
FRANCO NEV CORP COM 351858105 BBG001STGSR5 322,378 2,415 SH   SOLE   2,415 0 0
GARTNER INC COM 366651107 BBG001S5SD60 205,135 597 SH   SOLE   597 0 0
GENERAL MLS INC COM 370334104 BBG001S5RKR2 282,196 4,410 SH   SOLE   4,410 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 625,456 2,070 SH   SOLE   2,070 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 663,479 4,729 SH   SOLE   4,729 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 BBG00KJR0YJ0 1,009,083 47,531 SH   SOLE   47,531 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 BBG00KJR2GD3 525,535 25,425 SH   SOLE   25,425 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 BBG00KJR2J47 668,155 33,225 SH   SOLE   33,225 0 0
ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 719,569 20,565 SH   SOLE   20,565 0 0
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 971,893 19,924 SH   SOLE   19,924 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 BBG001S5S0N9 420,326 2,414 SH   SOLE   2,414 0 0
MARKETAXESS HLDGS INC COM 57060D108 BBG001S8R6K4 211,085 988 SH   SOLE   988 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 339,046 1,287 SH   SOLE   1,287 0 0
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 247,853 3,163 SH   SOLE   3,163 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,306,626 4,138 SH   SOLE   4,138 0 0
NETFLIX INC COM 64110L106 BBG001SF6L46 334,935 887 SH   SOLE   887 0 0
NIKE INC CL B 654106103 BBG001S6NTK2 207,400 2,169 SH   SOLE   2,169 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 2,150,591 4,944 SH   SOLE   4,944 0 0
PFIZER INC COM 717081103 BBG001S5V466 362,963 10,943 SH   SOLE   10,943 0 0
PRICE T ROWE GROUP INC COM 74144T108 BBG001S5WW18 240,047 2,289 SH   SOLE   2,289 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 253,106 2,279 SH   SOLE   2,279 0 0
RPM INTL INC COM 749685103 BBG001S7X317 402,279 4,243 SH   SOLE   4,243 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 445,883 18,625 SH   SOLE   18,625 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 1,456,035 42,875 SH   SOLE   42,875 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 570,418 11,911 SH   SOLE   11,911 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 1,185,187 26,796 SH   SOLE   26,796 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 1,485,703 29,803 SH   SOLE   29,803 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 812,412 19,614 SH   SOLE   19,614 0 0
SNAP ON INC COM 833034101 BBG001S5W688 260,926 1,023 SH   SOLE   1,023 0 0
STARBUCKS CORP COM 855244109 BBG001S72KH6 586,473 6,426 SH   SOLE   6,426 0 0
TJX COS INC NEW COM 872540109 BBG001S5WQ93 294,637 3,315 SH   SOLE   3,315 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 469,789 2,256 SH   SOLE   2,256 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 203,071 2,684 SH   SOLE   2,684 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 395,935 6,928 SH   SOLE   6,928 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 649,644 4,181 SH   SOLE   4,181 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 296,661 4,159 SH   SOLE   4,159 0 0
VEEVA SYS INC CL A COM 922475108 BBG001TX0CB4 211,385 1,039 SH   SOLE   1,039 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 585,145 2,544 SH   SOLE   2,544 0 0
WALMART INC COM 931142103 BBG001S5XH92 389,413 2,435 SH   SOLE   2,435 0 0
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 217,075 1,424 SH   SOLE   1,424 0 0
WEC ENERGY GROUP INC COM 92939U106 BBG001S5XDC7 305,848 3,797 SH   SOLE   3,797 0 0
XYLEM INC COM 98419M100 BBG001V05C73 247,602 2,720 SH   SOLE   2,720 0 0