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
APPLE INC COM 037833100 28,360 162,419 SH   SOLE   0 0 162,419
PROCTER AND GAMBLE CO COM 742718109 16,753 109,639 SH   SOLE   0 0 109,639
MICROSOFT CORP COM 594918104 15,914 51,616 SH   SOLE   0 0 51,616
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 14,923 296,869 SH   SOLE   0 0 296,869
ISHARES TR CORE S&P MCP ETF 464287507 14,422 53,742 SH   SOLE   0 0 53,742
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 13,879 174,497 SH   SOLE   0 0 174,497
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 13,770 277,961 SH   SOLE   0 0 277,961
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 8,392 52,803 SH   SOLE   0 0 52,803
SPDR S&P 500 ETF TR TR UNIT 78462F103 8,016 17,750 SH   SOLE   0 0 17,750
INVESCO QQQ TR UNIT SER 1 46090E103 7,568 20,876 SH   SOLE   0 0 20,876
JOHNSON & JOHNSON COM 478160104 6,726 37,950 SH   SOLE   0 0 37,950
NEXTERA ENERGY INC COM 65339F101 5,959 70,345 SH   SOLE   0 0 70,345
ISHARES TR CORE S&P500 ETF 464287200 5,514 12,154 SH   SOLE   0 0 12,154
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 5,454 113,563 SH   SOLE   0 0 113,563
LILLY ELI & CO COM 532457108 5,217 18,217 SH   SOLE   0 0 18,217
JPMORGAN CHASE & CO COM 46625H100 4,876 35,773 SH   SOLE   0 0 35,773
ISHARES TR CORE S&P SCP ETF 464287804 4,760 44,125 SH   SOLE   0 0 44,125
DISNEY WALT CO COM 254687106 4,472 32,603 SH   SOLE   0 0 32,603
ABBOTT LABS COM 002824100 4,154 35,097 SH   SOLE   0 0 35,097
PEPSICO INC COM 713448108 4,134 24,698 SH   SOLE   0 0 24,698
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 4,069 40,624 SH   SOLE   0 0 40,624
ABBVIE INC COM 00287Y109 4,062 25,059 SH   SOLE   0 0 25,059
VISA INC COM CL A 92826C839 3,932 17,728 SH   SOLE   0 0 17,728
WALMART INC COM 931142103 3,809 25,579 SH   SOLE   0 0 25,579
ORACLE CORP COM 68389X105 3,631 43,887 SH   SOLE   0 0 43,887
PFIZER INC COM 717081103 3,608 69,691 SH   SOLE   0 0 69,691
MICROCHIP TECHNOLOGY INC. COM 595017104 3,534 47,032 SH   SOLE   0 0 47,032
AMAZON COM INC COM 023135106 3,514 1,078 SH   SOLE   0 0 1,078
EDWARDS LIFESCIENCES CORP COM 28176E108 3,271 27,784 SH   SOLE   0 0 27,784
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,167 68,645 SH   SOLE   0 0 68,645
BLACKROCK INC COM 09247X101 3,145 4,115 SH   SOLE   0 0 4,115
ALPHABET INC CAP STK CL A 02079K305 2,809 1,010 SH   SOLE   0 0 1,010
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,726 7,724 SH   SOLE   0 0 7,724
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,725 25,141 SH   SOLE   0 0 25,141
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,645 5 SH   SOLE   0 0 5
CROWN CASTLE INTL CORP NEW COM 22822V101 2,645 14,327 SH   SOLE   0 0 14,327
AMERICAN TOWER CORP NEW COM 03027X100 2,621 10,431 SH   SOLE   0 0 10,431
HUMANA INC COM 444859102 2,510 5,767 SH   SOLE   0 0 5,767
MERCK & CO INC COM 58933Y105 2,478 30,199 SH   SOLE   0 0 30,199
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,431 15,416 SH   SOLE   0 0 15,416
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 2,422 45,486 SH   SOLE   0 0 45,486
CHUBB LIMITED COM H1467J104 2,370 11,081 SH   SOLE   0 0 11,081
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 2,369 7,024 SH   SOLE   0 0 7,024
NVIDIA CORPORATION COM 67066G104 2,344 8,592 SH   SOLE   0 0 8,592
CSX CORP COM 126408103 2,305 61,555 SH   SOLE   0 0 61,555
HOME DEPOT INC COM 437076102 2,283 7,628 SH   SOLE   0 0 7,628
EXXON MOBIL CORP COM 30231G102 2,275 27,545 SH   SOLE   0 0 27,545
PUBLIC STORAGE COM 74460D109 2,212 5,668 SH   SOLE   0 0 5,668
UNITEDHEALTH GROUP INC COM 91324P102 2,152 4,219 SH   SOLE   0 0 4,219
BROADCOM INC COM 11135F101 2,083 3,308 SH   SOLE   0 0 3,308
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,082 12,836 SH   SOLE   0 0 12,836
BRISTOL-MYERS SQUIBB CO COM 110122108 2,059 28,191 SH   SOLE   0 0 28,191
NORTHROP GRUMMAN CORP COM 666807102 2,012 4,500 SH   SOLE   0 0 4,500
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,831 23,451 SH   SOLE   0 0 23,451
COSTCO WHSL CORP NEW COM 22160K105 1,809 3,141 SH   SOLE   0 0 3,141
UNION PAC CORP COM 907818108 1,779 6,510 SH   SOLE   0 0 6,510
ISHARES TR ISHARES BIOTECH 464287556 1,757 13,488 SH   SOLE   0 0 13,488
US BANCORP DEL COM NEW 902973304 1,736 32,670 SH   SOLE   0 0 32,670
SHERWIN WILLIAMS CO COM 824348106 1,692 6,779 SH   SOLE   0 0 6,779
AMGEN INC COM 031162100 1,664 6,881 SH   SOLE   0 0 6,881
TEXAS INSTRS INC COM 882508104 1,518 8,274 SH   SOLE   0 0 8,274
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 1,504 110,819 SH   SOLE   0 0 110,819
CHEVRON CORP NEW COM 166764100 1,462 8,980 SH   SOLE   0 0 8,980
WASTE MGMT INC DEL COM 94106L109 1,461 9,216 SH   SOLE   0 0 9,216
LAM RESEARCH CORP COM 512807108 1,456 2,709 SH   SOLE   0 0 2,709
AUTOMATIC DATA PROCESSING IN COM 053015103 1,412 6,204 SH   SOLE   0 0 6,204
MCDONALDS CORP COM 580135101 1,393 5,632 SH   SOLE   0 0 5,632
FEDEX CORP COM 31428X106 1,377 5,952 SH   SOLE   0 0 5,952
TRACTOR SUPPLY CO COM 892356106 1,359 5,823 SH   SOLE   0 0 5,823
DUKE ENERGY CORP NEW COM NEW 26441C204 1,345 12,047 SH   SOLE   0 0 12,047
INTEL CORP COM 458140100 1,342 27,082 SH   SOLE   0 0 27,082
SKYWORKS SOLUTIONS INC COM 83088M102 1,336 10,018 SH   SOLE   0 0 10,018
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,275 6,002 SH   SOLE   0 0 6,002
TJX COS INC NEW COM 872540109 1,255 20,720 SH   SOLE   0 0 20,720
ISHARES TR CORE TOTAL USD 46434V613 1,254 25,272 SH   SOLE   0 0 25,272
ISHARES TR MSCI EAFE ETF 464287465 1,252 17,014 SH   SOLE   0 0 17,014
TESLA INC COM 88160R101 1,245 1,155 SH   SOLE   0 0 1,155
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,227 14,976 SH   SOLE   0 0 14,976
DEERE & CO COM 244199105 1,206 2,903 SH   SOLE   0 0 2,903
ISHARES TR IBOXX INV CP ETF 464287242 1,202 9,940 SH   SOLE   0 0 9,940
LOCKHEED MARTIN CORP COM 539830109 1,137 2,577 SH   SOLE   0 0 2,577
AMERISOURCEBERGEN CORP COM 03073E105 1,136 7,345 SH   SOLE   0 0 7,345
ADVANCED DRAIN SYS INC DEL COM 00790R104 1,132 9,530 SH   SOLE   0 0 9,530
MONDELEZ INTL INC CL A 609207105 1,084 17,271 SH   SOLE   0 0 17,271
ISHARES TR CORE US AGGBD ET 464287226 1,060 9,894 SH   SOLE   0 0 9,894
TRAVELERS COMPANIES INC COM 89417E109 1,042 5,700 SH   SOLE   0 0 5,700
MARVELL TECHNOLOGY INC COM 573874104 1,033 14,399 SH   SOLE   0 0 14,399
AIR PRODS & CHEMS INC COM 009158106 1,012 4,052 SH   SOLE   0 0 4,052
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 978 9,494 SH   SOLE   0 0 9,494
ISHARES TR S&P 500 VAL ETF 464287408 968 6,219 SH   SOLE   0 0 6,219
COMCAST CORP NEW CL A 20030N101 958 20,470 SH   SOLE   0 0 20,470
ISHARES TR NATIONAL MUN ETF 464288414 951 8,675 SH   SOLE   0 0 8,675
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 920 25,057 SH   SOLE   0 0 25,057
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106 905 10,299 SH   SOLE   0 0 10,299
3M CO COM 88579Y101 901 6,054 SH   SOLE   0 0 6,054
ALPHABET INC CAP STK CL C 02079K107 891 319 SH   SOLE   0 0 319
SPDR GOLD TR GOLD SHS 78463V107 885 4,901 SH   SOLE   0 0 4,901
VERIZON COMMUNICATIONS INC COM 92343V104 877 17,215 SH   SOLE   0 0 17,215
SCHWAB STRATEGIC TR US REIT ETF 808524847 869 34,910 SH   SOLE   0 0 34,910
FMC CORP COM NEW 302491303 846 6,430 SH   SOLE   0 0 6,430
PRICE T ROWE GROUP INC COM 74144T108 845 5,590 SH   SOLE   0 0 5,590
AMERIPRISE FINL INC COM 03076C106 836 2,783 SH   SOLE   0 0 2,783
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 834 17,615 SH   SOLE   0 0 17,615
WEC ENERGY GROUP INC COM 92939U106 819 8,204 SH   SOLE   0 0 8,204
ISHARES TR RUS 2000 VAL ETF 464287630 809 5,014 SH   SOLE   0 0 5,014
ISHARES TR S&P 500 GRWT ETF 464287309 805 10,542 SH   SOLE   0 0 10,542
NORFOLK SOUTHN CORP COM 655844108 805 2,822 SH   SOLE   0 0 2,822
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 799 28,773 SH   SOLE   0 0 28,773
AMERICAN ELEC PWR CO INC COM 025537101 789 7,904 SH   SOLE   0 0 7,904
MASTERCARD INCORPORATED CL A 57636Q104 773 2,163 SH   SOLE   0 0 2,163
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 771 20,120 SH   SOLE   0 0 20,120
CONOCOPHILLIPS COM 20825C104 764 7,639 SH   SOLE   0 0 7,639
CATERPILLAR INC COM 149123101 736 3,305 SH   SOLE   0 0 3,305
EMERSON ELEC CO COM 291011104 732 7,463 SH   SOLE   0 0 7,463
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 711 1,450 SH   SOLE   0 0 1,450
ISHARES SILVER TR ISHARES 46428Q109 701 30,625 SH   SOLE   0 0 30,625
STRYKER CORPORATION COM 863667101 664 2,482 SH   SOLE   0 0 2,482
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 656 13,096 SH   SOLE   0 0 13,096
AMERICAN FINL GROUP INC OHIO COM 025932104 647 4,442 SH   SOLE   0 0 4,442
HONEYWELL INTL INC COM 438516106 614 3,157 SH   SOLE   0 0 3,157
CARRIER GLOBAL CORPORATION COM 14448C104 604 13,167 SH   SOLE   0 0 13,167
ISHARES TR TIPS BD ETF 464287176 603 4,844 SH   SOLE   0 0 4,844
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 598 4,363 SH   SOLE   0 0 4,363
NIKE INC CL B 654106103 592 4,402 SH   SOLE   0 0 4,402
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 576 15,181 SH   SOLE   0 0 15,181
GOLDMAN SACHS GROUP INC COM 38141G104 557 1,686 SH   SOLE   0 0 1,686
RAYTHEON TECHNOLOGIES CORP COM 75513E101 551 5,566 SH   SOLE   0 0 5,566
COCA COLA CO COM 191216100 547 8,829 SH   SOLE   0 0 8,829
PROSHARES TR S&P 500 DV ARIST 74348A467 530 5,583 SH   SOLE   0 0 5,583
ISHARES TR SELECT DIVID ETF 464287168 513 4,001 SH   SOLE   0 0 4,001
VANGUARD WORLD FDS INF TECH ETF 92204A702 511 1,226 SH   SOLE   0 0 1,226
OGE ENERGY CORP COM 670837103 510 12,517 SH   SOLE   0 0 12,517
PAYPAL HLDGS INC COM 70450Y103 508 4,395 SH   SOLE   0 0 4,395
TARGET CORP COM 87612E106 505 2,381 SH   SOLE   0 0 2,381
WISDOMTREE TR US HIGH DIVIDEND 97717W208 495 5,624 SH   SOLE   0 0 5,624
THERMO FISHER SCIENTIFIC INC COM 883556102 491 831 SH   SOLE   0 0 831
CINTAS CORP COM 172908105 484 1,138 SH   SOLE   0 0 1,138
OTIS WORLDWIDE CORP COM 68902V107 483 6,277 SH   SOLE   0 0 6,277
ISHARES TR RUS 1000 GRW ETF 464287614 478 1,721 SH   SOLE   0 0 1,721
DANAHER CORPORATION COM 235851102 472 1,608 SH   SOLE   0 0 1,608
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 471 2,548 SH   SOLE   0 0 2,548
SALESFORCE COM INC COM 79466L302 466 2,194 SH   SOLE   0 0 2,194
INTERCONTINENTAL EXCHANGE IN COM 45866F104 465 3,521 SH   SOLE   0 0 3,521
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 458 6,145 SH   SOLE   0 0 6,145
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 457 5,180 SH   SOLE   0 0 5,180
BLACKSTONE INC COM 09260D107 451 3,553 SH   SOLE   0 0 3,553
SELECT SECTOR SPDR TR ENERGY 81369Y506 447 5,851 SH   SOLE   0 0 5,851
AMN HEALTHCARE SVCS INC COM 001744101 443 4,250 SH   SOLE   0 0 4,250
MID-AMER APT CMNTYS INC COM 59522J103 442 2,110 SH   SOLE   0 0 2,110
BK OF AMERICA CORP COM 060505104 441 10,709 SH   SOLE   0 0 10,709
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 440 6,400 SH   SOLE   0 0 6,400
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 438 4,200 SH   SOLE   0 0 4,200
ISHARES TR RUS 1000 ETF 464287622 436 1,743 SH   SOLE   0 0 1,743
BOEING CO COM 097023105 411 2,145 SH   SOLE   0 0 2,145
WALGREENS BOOTS ALLIANCE INC COM 931427108 408 9,115 SH   SOLE   0 0 9,115
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 406 7,938 SH   SOLE   0 0 7,938
SMUCKER J M CO COM NEW 832696405 405 2,994 SH   SOLE   0 0 2,994
ISHARES TR RUSSELL 2000 ETF 464287655 403 1,963 SH   SOLE   0 0 1,963
WISDOMTREE TR US MIDCAP DIVID 97717W505 400 9,000 SH   SOLE   0 0 9,000
WEYERHAEUSER CO MTN BE COM NEW 962166104 399 10,530 SH   SOLE   0 0 10,530
MONSTER BEVERAGE CORP NEW COM 61174X109 397 4,974 SH   SOLE   0 0 4,974
OCCIDENTAL PETE CORP COM 674599105 391 6,899 SH   SOLE   0 0 6,899
META PLATFORMS INC CL A 30303M102 381 1,713 SH   SOLE   0 0 1,713
INTUIT COM 461202103 381 792 SH   SOLE   0 0 792
ISHARES TR MSCI EMG MKT ETF 464287234 364 8,072 SH   SOLE   0 0 8,072
ISHARES INC MSCI JPN ETF NEW 46434G822 363 5,895 SH   SOLE   0 0 5,895
PNC FINL SVCS GROUP INC COM 693475105 362 1,965 SH   SOLE   0 0 1,965
ISHARES TR PFD AND INCM SEC 464288687 359 9,847 SH   SOLE   0 0 9,847
MARSH & MCLENNAN COS INC COM 571748102 359 2,105 SH   SOLE   0 0 2,105
ISHARES TR EXPANDED TECH 464287515 354 1,026 SH   SOLE   0 0 1,026
LAUDER ESTEE COS INC CL A 518439104 354 1,300 SH   SOLE   0 0 1,300
KROGER CO COM 501044101 352 6,142 SH   SOLE   0 0 6,142
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 352 4,094 SH   SOLE   0 0 4,094
ISHARES TR IBONDS DEC23 ETF 46434VAX8 349 13,789 SH   SOLE   0 0 13,789
CONCENTRIX CORP COM 20602D101 347 2,081 SH   SOLE   0 0 2,081
AMERICAN WTR WKS CO INC NEW COM 030420103 339 2,050 SH   SOLE   0 0 2,050
GENERAC HLDGS INC COM 368736104 334 1,125 SH   SOLE   0 0 1,125
CISCO SYS INC COM 17275R102 324 5,804 SH   SOLE   0 0 5,804
ISHARES TR MBS ETF 464288588 323 3,166 SH   SOLE   0 0 3,166
GENERAL DYNAMICS CORP COM 369550108 322 1,334 SH   SOLE   0 0 1,334
ISHARES TR ISHS 5-10YR INVT 464288638 320 5,825 SH   SOLE   0 0 5,825
UNITED PARCEL SERVICE INC CL B 911312106 317 1,477 SH   SOLE   0 0 1,477
VANGUARD INDEX FDS TOTAL STK MKT 922908769 315 1,382 SH   SOLE   0 0 1,382
SOUTHERN CO COM 842587107 306 4,223 SH   SOLE   0 0 4,223
DOLLAR GEN CORP NEW COM 256677105 290 1,301 SH   SOLE   0 0 1,301
CINCINNATI FINL CORP COM 172062101 286 2,106 SH   SOLE   0 0 2,106
STARBUCKS CORP COM 855244109 286 3,145 SH   SOLE   0 0 3,145
BLOCK INC CL A 852234103 280 2,068 SH   SOLE   0 0 2,068
MANDIANT INC COM 562662106 277 12,400 SH   SOLE   0 0 12,400
ISHARES INC CORE MSCI EMKT 46434G103 273 4,923 SH   SOLE   0 0 4,923
GENERAL ELECTRIC CO COM NEW 369604301 272 2,977 SH   SOLE   0 0 2,977
BECTON DICKINSON & CO COM 075887109 266 1,000 SH   SOLE   0 0 1,000
GLOBAL X FDS US INFR DEV ETF 37954Y673 264 9,335 SH   SOLE   0 0 9,335
ILLINOIS TOOL WKS INC COM 452308109 264 1,261 SH   SOLE   0 0 1,261
MEDTRONIC PLC SHS G5960L103 258 2,325 SH   SOLE   0 0 2,325
QORVO INC COM 74736K101 256 2,060 SH   SOLE   0 0 2,060
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 256 3,291 SH   SOLE   0 0 3,291
CHEMED CORP NEW COM 16359R103 252 498 SH   SOLE   0 0 498
VALERO ENERGY CORP COM 91913Y100 249 2,450 SH   SOLE   0 0 2,450
AVERY DENNISON CORP COM 053611109 244 1,400 SH   SOLE   0 0 1,400
ISHARES TR CORE MSCI EAFE 46432F842 243 3,490 SH   SOLE   0 0 3,490
KIMBERLY-CLARK CORP COM 494368103 242 1,961 SH   SOLE   0 0 1,961
INTERNATIONAL BUSINESS MACHS COM 459200101 239 1,837 SH   SOLE   0 0 1,837
AT&T INC COM 00206R102 238 10,082 SH   SOLE   0 0 10,082
ALTRIA GROUP INC COM 02209S103 233 4,466 SH   SOLE   0 0 4,466
ISHARES TR IBONDS DEC25 ETF 46434VBD1 226 8,957 SH   SOLE   0 0 8,957
ADOBE SYSTEMS INCORPORATED COM 00724F101 225 494 SH   SOLE   0 0 494
ISHARES TR CORE S&P TTL STK 464287150 222 2,200 SH   SOLE   0 0 2,200
NUCOR CORP COM 670346105 222 1,495 SH   SOLE   0 0 1,495
CME GROUP INC COM 12572Q105 217 912 SH   SOLE   0 0 912
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 217 3,036 SH   SOLE   0 0 3,036
TD SYNNEX CORPORATION COM 87162W100 215 2,081 SH   SOLE   0 0 2,081
ANALOG DEVICES INC COM 032654105 207 1,254 SH   SOLE   0 0 1,254
PPG INDS INC COM 693506107 206 1,573 SH   SOLE   0 0 1,573
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 205 4,110 SH   SOLE   0 0 4,110
GOLD TR ISHARES NEW 464285204 200 5,417 SH   SOLE   0 0 5,417
META MATERIALS INC COM 59134N104 32 18,900 SH   SOLE   0 0 18,900