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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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
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 6,971 139,087 SH   SOLE   0 0 139,087
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 6,898 90,459 SH   SOLE   0 0 90,459
ISHARES TR CORE S&P US GWT 464287671 4,642 55,465 SH   SOLE   0 0 55,465
ISHARES TR CORE S&P US VLU 464287663 4,086 61,101 SH   SOLE   0 0 61,101
ISHARES TR CORE 1 5 YR USD 46432F859 3,665 77,314 SH   SOLE   0 0 77,314
ISHARES TR CORE MSCI EAFE 46432F842 3,200 54,373 SH   SOLE   0 0 54,373
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 3,156 52,014 SH   SOLE   0 0 52,014
ISHARES TR IBOXX INV CP ETF 464287242 3,070 27,904 SH   SOLE   0 0 27,904
APPLE INC COM 037833100 2,930 21,432 SH   SOLE   0 0 21,432
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 2,892 49,127 SH   SOLE   0 0 49,127
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 2,812 29,140 SH   SOLE   0 0 29,140
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,414 17,985 SH   SOLE   0 0 17,985
VANGUARD WORLD FDS INF TECH ETF 92204A702 2,349 7,192 SH   SOLE   0 0 7,192
VANGUARD INDEX FDS GROWTH ETF 922908736 2,308 10,354 SH   SOLE   0 0 10,354
VANGUARD INDEX FDS VALUE ETF 922908744 2,167 16,431 SH   SOLE   0 0 16,431
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 1,765 39,545 SH   SOLE   0 0 39,545
MICROSOFT CORP COM 594918104 1,632 6,354 SH   SOLE   0 0 6,354
ISHARES TR BLACKROCK ULTRA 46434V878 1,531 30,596 SH   SOLE   0 0 30,596
PROCTER AND GAMBLE CO COM 742718109 1,502 10,449 SH   SOLE   0 0 10,449
FIDELITY COVINGTON TRUST MSCI COMMNTN SVC 316092873 1,494 41,968 SH   SOLE   0 0 41,968
ISHARES TR CORE S&P SCP ETF 464287804 1,483 16,044 SH   SOLE   0 0 16,044
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,467 18,327 SH   SOLE   0 0 18,327
ISHARES GOLD TR ISHARES NEW 464285204 1,403 40,882 SH   SOLE   0 0 40,882
INVESCO QQQ TR UNIT SER 1 46090E103 1,284 4,581 SH   SOLE   0 0 4,581
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,269 8,848 SH   SOLE   0 0 8,848
ISHARES INC CORE MSCI EMKT 46434G103 1,267 25,825 SH   SOLE   0 0 25,825
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 1,146 22,871 SH   SOLE   0 0 22,871
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303 1,069 24,715 SH   SOLE   0 0 24,715
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,051 10,332 SH   SOLE   0 0 10,332
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 1,038 17,630 SH   SOLE   0 0 17,630
JOHNSON & JOHNSON COM 478160104 1,028 5,794 SH   SOLE   0 0 5,794
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,027 13,376 SH   SOLE   0 0 13,376
FIDELITY COVINGTON TRUST MSCI INDL INDX 316092709 1,013 22,421 SH   SOLE   0 0 22,421
ISHARES TR CORE MSCI INTL 46435G326 974 18,125 SH   SOLE   0 0 18,125
VANGUARD STAR FDS VG TL INTL STK F 921909768 929 18,008 SH   SOLE   0 0 18,008
ISHARES TR CORE S&P500 ETF 464287200 890 2,348 SH   SOLE   0 0 2,348
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 875 6,361 SH   SOLE   0 0 6,361
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 870 12,407 SH   SOLE   0 0 12,407
INTEL CORP COM 458140100 862 23,038 SH   SOLE   0 0 23,038
ISHARES TR CORE S&P MCP ETF 464287507 827 3,656 SH   SOLE   0 0 3,656
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 825 5,051 SH   SOLE   0 0 5,051
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 806 28,476 SH   SOLE   0 0 28,476
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402 775 39,947 SH   SOLE   0 0 39,947
AMAZON COM INC COM 023135106 766 7,210 SH   SOLE   0 0 7,210
NVIDIA CORPORATION COM 67066G104 737 4,859 SH   SOLE   0 0 4,859
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 732 3,947 SH   SOLE   0 0 3,947
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 719 14,131 SH   SOLE   0 0 14,131
ISHARES TR FLTG RATE NT ETF 46429B655 625 12,525 SH   SOLE   0 0 12,525
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 613 23,621 SH   SOLE   0 0 23,621
SPDR S&P 500 ETF TR TR UNIT 78462F103 601 1,592 SH   SOLE   0 0 1,592
CHEVRON CORP NEW COM 166764100 580 4,007 SH   SOLE   0 0 4,007
ISHARES TR 0-5YR INVT GR CP 46434V100 535 11,049 SH   SOLE   0 0 11,049
LILLY ELI & CO COM 532457108 532 1,642 SH   SOLE   0 0 1,642
VANGUARD INDEX FDS TOTAL STK MKT 922908769 527 2,792 SH   SOLE   0 0 2,792
JPMORGAN CHASE & CO COM 46625H100 525 4,658 SH   SOLE   0 0 4,658
PEPSICO INC COM 713448108 521 3,124 SH   SOLE   0 0 3,124
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 491 9,524 SH   SOLE   0 0 9,524
ISHARES TR USD INV GRDE ETF 464288620 478 9,384 SH   SOLE   0 0 9,384
UNITEDHEALTH GROUP INC COM 91324P102 478 930 SH   SOLE   0 0 930
DOMINION ENERGY INC COM 25746U109 459 5,751 SH   SOLE   0 0 5,751
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 428 17,749 SH   SOLE   0 0 17,749
HOME DEPOT INC COM 437076102 420 1,532 SH   SOLE   0 0 1,532
SELECT SECTOR SPDR TR ENERGY 81369Y506 412 5,763 SH   SOLE   0 0 5,763
VANGUARD WORLD FDS ENERGY ETF 92204A306 406 4,084 SH   SOLE   0 0 4,084
ALPHABET INC CAP STK CL A 02079K305 399 183 SH   SOLE   0 0 183
VANGUARD INDEX FDS SMALL CP ETF 922908751 384 2,180 SH   SOLE   0 0 2,180
ALPHABET INC CAP STK CL C 02079K107 383 175 SH   SOLE   0 0 175
NORTHROP GRUMMAN CORP COM 666807102 383 800 SH   SOLE   0 0 800
INTERNATIONAL BUSINESS MACHS COM 459200101 361 2,554 SH   SOLE   0 0 2,554
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 357 3,601 SH   SOLE   0 0 3,601
UNION PAC CORP COM 907818108 346 1,624 SH   SOLE   0 0 1,624
EATON VANCE TAX-MANAGED BUY- COM 27828Y108 345 25,572 SH   SOLE   0 0 25,572
VANGUARD INDEX FDS MID CAP ETF 922908629 343 1,741 SH   SOLE   0 0 1,741
PACER FDS TR US CASH COWS 100 69374H881 340 7,885 SH   SOLE   0 0 7,885
VERIZON COMMUNICATIONS INC COM 92343V104 337 6,633 SH   SOLE   0 0 6,633
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 330 4,391 SH   SOLE   0 0 4,391
ABBVIE INC COM 00287Y109 327 2,133 SH   SOLE   0 0 2,133
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 327 12,039 SH   SOLE   0 0 12,039
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 327 8,024 SH   SOLE   0 0 8,024
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 317 3,480 SH   SOLE   0 0 3,480
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 315 13,609 SH   SOLE   0 0 13,609
MCDONALDS CORP COM 580135101 314 1,273 SH   SOLE   0 0 1,273
ISHARES TR 0-5 YR TIPS ETF 46429B747 313 3,089 SH   SOLE   0 0 3,089
EXXON MOBIL CORP COM 30231G102 312 3,646 SH   SOLE   0 0 3,646
DUKE ENERGY CORP NEW COM NEW 26441C204 309 2,885 SH   SOLE   0 0 2,885
PFIZER INC COM 717081103 306 5,842 SH   SOLE   0 0 5,842
WATERS CORP COM 941848103 298 900 SH   SOLE   0 0 900
ORACLE CORP COM 68389X105 294 4,213 SH   SOLE   0 0 4,213
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 286 4,173 SH   SOLE   0 0 4,173
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 284 3,860 SH   SOLE   0 0 3,860
ISHARES TR S&P 100 ETF 464287101 281 1,628 SH   SOLE   0 0 1,628
MERCK & CO INC COM 58933Y105 281 3,086 SH   SOLE   0 0 3,086
WILLIAMS COS INC COM 969457100 275 8,824 SH   SOLE   0 0 8,824
ISHARES TR CORE S&P TTL STK 464287150 264 3,155 SH   SOLE   0 0 3,155
BIONTECH SE SPONSORED ADS 09075V102 260 1,747 SH   SOLE   0 0 1,747
LOWES COS INC COM 548661107 258 1,475 SH   SOLE   0 0 1,475
PACER FDS TR DEVELOPED MRKT 69374H873 254 9,445 SH   SOLE   0 0 9,445
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 253 3,276 SH   SOLE   0 0 3,276
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 250 917 SH   SOLE   0 0 917
ISHARES TR SELECT DIVID ETF 464287168 247 2,099 SH   SOLE   0 0 2,099
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 246 1,043 SH   SOLE   0 0 1,043
AMERICAN WTR WKS CO INC NEW COM 030420103 241 1,618 SH   SOLE   0 0 1,618
DEERE & CO COM 244199105 240 802 SH   SOLE   0 0 802
CATERPILLAR INC COM 149123101 231 1,291 SH   SOLE   0 0 1,291
QUALCOMM INC COM 747525103 230 1,797 SH   SOLE   0 0 1,797
DISNEY WALT CO COM 254687106 225 2,388 SH   SOLE   0 0 2,388
VANGUARD WORLD FD MEGA GRWTH IND 921910816 215 1,185 SH   SOLE   0 0 1,185
ISHARES TR 1 3 YR TREAS BD 464287457 209 2,530 SH   SOLE   0 0 2,530
FIDELITY COVINGTON TRUST MSCI MATLS INDEX 316092881 206 5,028 SH   SOLE   0 0 5,028
HONEYWELL INTL INC COM 438516106 206 1,188 SH   SOLE   0 0 1,188
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 205 5,012 SH   SOLE   0 0 5,012
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 204 662 SH   SOLE   0 0 662
WALMART INC COM 931142103 202 1,663 SH   SOLE   0 0 1,663
PUTNAM PREMIER INCOME TR SH BEN INT 746853100 39 10,271 SH   SOLE   0 0 10,271