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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
PUTNAM PREMIER INCOME TR SH BEN INT 746853100 41 10,271 SH   SOLE   0 0 10,271
DISNEY WALT CO COM 254687106 208 1,513 SH   SOLE   0 0 1,513
VANGUARD WORLD FDS MATERIALS ETF 92204A801 211 1,086 SH   SOLE   0 0 1,086
ISHARES TR PFD AND INCM SEC 464288687 213 5,838 SH   SOLE   0 0 5,838
EMERSON ELEC CO COM 291011104 219 2,229 SH   SOLE   0 0 2,229
CORNING INC COM 219350105 222 6,012 SH   SOLE   0 0 6,012
SCHWAB STRATEGIC TR US TIPS ETF 808524870 222 3,660 SH   SOLE   0 0 3,660
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 224 2,171 SH   SOLE   0 0 2,171
APPLIED MATLS INC COM 038222105 232 1,763 SH   SOLE   0 0 1,763
PIMCO ETF TR 1-5 US TIP IDX 72201R205 238 4,367 SH   SOLE   0 0 4,367
MERCK & CO. INC COM 58933Y105 242 2,949 SH   SOLE   0 0 2,949
SPDR S&P 500 ETF TR TR UNIT 78462F103 252 557 SH   SOLE   0 0 557
UNITEDHEALTH GROUP INC COM 91324P102 255 500 SH   SOLE   0 0 500
MCDONALDS CORP COM 580135101 259 1,046 SH   SOLE   0 0 1,046
ABBVIE INC COM 00287Y109 260 1,605 SH   SOLE   0 0 1,605
PFIZER INC COM 717081103 260 5,021 SH   SOLE   0 0 5,021
QUALCOMM INC COM 747525103 263 1,723 SH   SOLE   0 0 1,723
VANGUARD WORLD FD MEGA GRWTH IND 921910816 264 1,123 SH   SOLE   0 0 1,123
LOWES COS INC COM 548661107 265 1,309 SH   SOLE   0 0 1,309
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 265 1,043 SH   SOLE   0 0 1,043
AMERICAN WTR WKS CO INC NEW COM 030420103 268 1,618 SH   SOLE   0 0 1,618
AT&T INC COM 00206R102 268 11,338 SH   SOLE   0 0 11,338
ISHARES TR SELECT DIVID ETF 464287168 269 2,098 SH   SOLE   0 0 2,098
WILLIAMS COS INC COM 969457100 270 8,090 SH   SOLE   0 0 8,090
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 274 5,663 SH   SOLE   0 0 5,663
WATERS CORP COM 941848103 279 900 SH   SOLE   0 0 900
BIONTECH SE SPONSORED ADS 09075V102 294 1,722 SH   SOLE   0 0 1,722
INTERNATIONAL BUSINESS MACHS COM 459200101 298 2,290 SH   SOLE   0 0 2,290
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 303 3,246 SH   SOLE   0 0 3,246
HOME DEPOT INC COM 437076102 314 1,050 SH   SOLE   0 0 1,050
DEERE & CO COM 244199105 315 757 SH   SOLE   0 0 757
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 318 2,935 SH   SOLE   0 0 2,935
DUKE ENERGY CORP NEW COM NEW 26441C204 322 2,885 SH   SOLE   0 0 2,885
ISHARES TR CORE S&P TTL STK 464287150 322 3,188 SH   SOLE   0 0 3,188
ALPHABET INC CAP STK CL A 02079K305 331 119 SH   SOLE   0 0 119
ISHARES TR S&P 100 ETF 464287101 339 1,628 SH   SOLE   0 0 1,628
VERIZON COMMUNICATIONS INC COM 92343V104 344 6,757 SH   SOLE   0 0 6,757
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 347 3,465 SH   SOLE   0 0 3,465
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 351 4,407 SH   SOLE   0 0 4,407
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 353 4,001 SH   SOLE   0 0 4,001
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 361 4,569 SH   SOLE   0 0 4,569
ALPHABET INC CAP STK CL C 02079K107 363 130 SH   SOLE   0 0 130
LILLY ELI & CO COM 532457108 376 1,312 SH   SOLE   0 0 1,312
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 377 7,847 SH   SOLE   0 0 7,847
EXXON MOBIL CORP COM 30231G102 384 4,651 SH   SOLE   0 0 4,651
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 387 11,963 SH   SOLE   0 0 11,963
UNION PAC CORP COM 907818108 392 1,434 SH   SOLE   0 0 1,434
ISHARES TR 0-5 YR TIPS ETF 46429B747 393 3,748 SH   SOLE   0 0 3,748
EATON VANCE TAX-MANAGED BUY- COM 27828Y108 399 25,572 SH   SOLE   0 0 25,572
VANGUARD INDEX FDS MID CAP ETF 922908629 414 1,741 SH   SOLE   0 0 1,741
SELECT SECTOR SPDR TR ENERGY 81369Y506 441 5,765 SH   SOLE   0 0 5,765
VANGUARD WORLD FDS ENERGY ETF 92204A306 443 4,135 SH   SOLE   0 0 4,135
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 455 6,117 SH   SOLE   0 0 6,117
DOMINION ENERGY INC COM 25746U109 489 5,751 SH   SOLE   0 0 5,751
INVESCO QQQ TR UNIT SER 1 46090E103 490 1,352 SH   SOLE   0 0 1,352
ORACLE CORP COM 68389X105 521 6,300 SH   SOLE   0 0 6,300
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402 524 25,010 SH   SOLE   0 0 25,010
ISHARES TR USD INV GRDE ETF 464288620 532 9,666 SH   SOLE   0 0 9,666
NORTHROP GRUMMAN CORP COM 666807102 537 1,200 SH   SOLE   0 0 1,200
AMAZON COM INC COM 023135106 544 167 SH   SOLE   0 0 167
PEPSICO INC COM 713448108 552 3,298 SH   SOLE   0 0 3,298
VANGUARD INDEX FDS SMALL CP ETF 922908751 557 2,623 SH   SOLE   0 0 2,623
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 589 20,339 SH   SOLE   0 0 20,339
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 606 11,384 SH   SOLE   0 0 11,384
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303 614 13,384 SH   SOLE   0 0 13,384
CHEVRON CORP NEW COM 166764100 630 3,868 SH   SOLE   0 0 3,868
VANGUARD INDEX FDS TOTAL STK MKT 922908769 643 2,824 SH   SOLE   0 0 2,824
ISHARES TR FLTG RATE NT ETF 46429B655 650 12,876 SH   SOLE   0 0 12,876
JPMORGAN CHASE & CO COM 46625H100 683 5,008 SH   SOLE   0 0 5,008
ISHARES TR 0-5YR INVT GR CP 46434V100 754 15,269 SH   SOLE   0 0 15,269
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 760 3,878 SH   SOLE   0 0 3,878
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 787 13,446 SH   SOLE   0 0 13,446
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 835 25,887 SH   SOLE   0 0 25,887
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 883 4,543 SH   SOLE   0 0 4,543
NVIDIA CORPORATION COM 67066G104 887 3,252 SH   SOLE   0 0 3,252
JOHNSON & JOHNSON COM 478160104 897 5,059 SH   SOLE   0 0 5,059
INTEL CORP COM 458140100 904 18,239 SH   SOLE   0 0 18,239
ISHARES TR CORE S&P MCP ETF 464287507 904 3,368 SH   SOLE   0 0 3,368
FIDELITY COVINGTON TRUST MSCI INDL INDX 316092709 918 17,064 SH   SOLE   0 0 17,064
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 922 8,212 SH   SOLE   0 0 8,212
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 931 18,527 SH   SOLE   0 0 18,527
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 952 5,146 SH   SOLE   0 0 5,146
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,003 6,186 SH   SOLE   0 0 6,186
ISHARES TR CORE S&P500 ETF 464287200 1,039 2,291 SH   SOLE   0 0 2,291
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,065 17,828 SH   SOLE   0 0 17,828
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,119 14,367 SH   SOLE   0 0 14,367
ISHARES TR CORE S&P SCP ETF 464287804 1,282 11,885 SH   SOLE   0 0 11,885
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 1,431 18,092 SH   SOLE   0 0 18,092
PROCTER AND GAMBLE CO COM 742718109 1,463 9,573 SH   SOLE   0 0 9,573
ISHARES TR BLACKROCK ULTRA 46434V878 1,578 31,469 SH   SOLE   0 0 31,469
ISHARES INC CORE MSCI EMKT 46434G103 1,586 28,542 SH   SOLE   0 0 28,542
ISHARES TR CORE MSCI INTL 46435G326 1,629 25,605 SH   SOLE   0 0 25,605
FIDELITY COVINGTON TRUST MSCI COMMNTN SVC 316092873 1,747 38,403 SH   SOLE   0 0 38,403
MICROSOFT CORP COM 594918104 1,870 6,065 SH   SOLE   0 0 6,065
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,977 22,975 SH   SOLE   0 0 22,975
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 2,096 38,704 SH   SOLE   0 0 38,704
VANGUARD WORLD FDS INF TECH ETF 92204A702 2,294 5,509 SH   SOLE   0 0 5,509
VANGUARD INDEX FDS VALUE ETF 922908744 2,447 16,556 SH   SOLE   0 0 16,556
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,448 15,520 SH   SOLE   0 0 15,520
VANGUARD INDEX FDS GROWTH ETF 922908736 2,597 9,030 SH   SOLE   0 0 9,030
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 2,652 40,389 SH   SOLE   0 0 40,389
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 2,774 46,812 SH   SOLE   0 0 46,812
APPLE INC COM 037833100 2,903 16,626 SH   SOLE   0 0 16,626
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 3,026 24,587 SH   SOLE   0 0 24,587
ISHARES TR IBOXX INV CP ETF 464287242 3,460 28,607 SH   SOLE   0 0 28,607
ISHARES TR CORE MSCI EAFE 46432F842 3,693 53,132 SH   SOLE   0 0 53,132
ISHARES TR CORE 1 5 YR USD 46432F859 4,128 85,190 SH   SOLE   0 0 85,190
ISHARES TR CORE S&P US GWT 464287671 4,229 40,022 SH   SOLE   0 0 40,022
ISHARES TR CORE S&P US VLU 464287663 4,276 56,357 SH   SOLE   0 0 56,357
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 7,090 138,452 SH   SOLE   0 0 138,452
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 7,483 95,826 SH   SOLE   0 0 95,826