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
ARRIVAL SHS L0423Q108   2,393 15,000 SH   SOLE   0 0 15,000
PUTNAM PREMIER INCOME TR SH BEN INT 746853100   37,284 10,271 SH   SOLE   0 0 10,271
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   203,232 1,496 SH   SOLE   0 0 1,496
ISHARES TR 0-5YR INVT GR CP 46434V100   208,047 4,347 SH   SOLE   0 0 4,347
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   214,381 2,173 SH   SOLE   0 0 2,173
NORTHROP GRUMMAN CORP COM 666807102   218,222 400 SH   SOLE   0 0 400
BIONTECH SE SPONSORED ADS 09075V102   229,386 1,527 SH   SOLE   0 0 1,527
HONEYWELL INTL INC COM 438516106   232,087 1,083 SH   SOLE   0 0 1,083
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   232,856 2,371 SH   SOLE   0 0 2,371
WALMART INC COM 931142103   233,351 1,646 SH   SOLE   0 0 1,646
DISNEY WALT CO COM 254687106   236,965 2,728 SH   SOLE   0 0 2,728
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   245,187 3,521 SH   SOLE   0 0 3,521
LOCKHEED MARTIN CORP COM 539830109   245,677 505 SH   SOLE   0 0 505
AMERICAN WTR WKS CO INC NEW COM 030420103   246,616 1,618 SH   SOLE   0 0 1,618
TARGET CORP COM 87612E106   249,642 1,675 SH   SOLE   0 0 1,675
ISHARES TR CORE S&P TTL STK 464287150   253,225 2,986 SH   SOLE   0 0 2,986
ISHARES TR SELECT DIVID ETF 464287168   253,599 2,103 SH   SOLE   0 0 2,103
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   254,995 1,028 SH   SOLE   0 0 1,028
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   256,200 3,298 SH   SOLE   0 0 3,298
VANGUARD WORLD FDS MATERIALS ETF 92204A801   275,724 1,620 SH   SOLE   0 0 1,620
VERIZON COMMUNICATIONS INC COM 92343V104   276,645 7,021 SH   SOLE   0 0 7,021
ISHARES TR S&P 100 ETF 464287101   277,688 1,628 SH   SOLE   0 0 1,628
PACER FDS TR DEVELOPED MRKT 69374H873   284,802 10,451 SH   SOLE   0 0 10,451
PFIZER INC COM 717081103   285,868 5,579 SH   SOLE   0 0 5,579
WILLIAMS COS INC COM 969457100   290,310 8,824 SH   SOLE   0 0 8,824
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827   295,006 10,134 SH   SOLE   0 0 10,134
CATERPILLAR INC COM 149123101   295,138 1,232 SH   SOLE   0 0 1,232
NETFLIX INC COM 64110L106   297,239 1,008 SH   SOLE   0 0 1,008
UNION PAC CORP COM 907818108   303,565 1,466 SH   SOLE   0 0 1,466
WATERS CORP COM 941848103   308,322 900 SH   SOLE   0 0 900
MCDONALDS CORP COM 580135101   308,989 1,173 SH   SOLE   0 0 1,173
META PLATFORMS INC CL A 30303M102   311,079 2,585 SH   SOLE   0 0 2,585
LOWES COS INC COM 548661107   315,795 1,585 SH   SOLE   0 0 1,585
INVESCO EXCH TRD SLF IDX FD RAFI STRATGIC US 46138J742   317,084 8,682 SH   SOLE   0 0 8,682
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   321,448 7,659 SH   SOLE   0 0 7,659
ALPHABET INC CAP STK CL C 02079K107   335,843 3,785 SH   SOLE   0 0 3,785
QUALCOMM INC COM 747525103   340,374 3,096 SH   SOLE   0 0 3,096
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   343,857 13,860 SH   SOLE   0 0 13,860
DEERE & CO COM 244199105   343,866 802 SH   SOLE   0 0 802
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   348,631 14,520 SH   SOLE   0 0 14,520
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431   349,635 4,233 SH   SOLE   0 0 4,233
ORACLE CORP COM 68389X105   352,136 4,308 SH   SOLE   0 0 4,308
DOMINION ENERGY INC COM 25746U109   352,651 5,751 SH   SOLE   0 0 5,751
EATON VANCE TAX-MANAGED BUY- COM 27828Y108   352,854 28,734 SH   SOLE   0 0 28,734
INTERNATIONAL BUSINESS MACHS COM 459200101   354,761 2,518 SH   SOLE   0 0 2,518
ISHARES TR USD INV GRDE ETF 464288620   356,588 7,261 SH   SOLE   0 0 7,261
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   365,221 4,428 SH   SOLE   0 0 4,428
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   365,964 16,673 SH   SOLE   0 0 16,673
DUKE ENERGY CORP NEW COM NEW 26441C204   374,678 3,638 SH   SOLE   0 0 3,638
VANGUARD INDEX FDS MID CAP ETF 922908629   396,003 1,943 SH   SOLE   0 0 1,943
ETF SER SOLUTIONS DISTILLATE US 26922A321   400,989 9,828 SH   SOLE   0 0 9,828
ABBVIE INC COM 00287Y109   406,772 2,517 SH   SOLE   0 0 2,517
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104   409,355 5,462 SH   SOLE   0 0 5,462
VANGUARD INDEX FDS SMALL CP ETF 922908751   430,768 2,347 SH   SOLE   0 0 2,347
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   434,622 1,407 SH   SOLE   0 0 1,407
MERCK & CO INC COM 58933Y105   440,666 3,972 SH   SOLE   0 0 3,972
UNITEDHEALTH GROUP INC COM 91324P102   442,700 835 SH   SOLE   0 0 835
ISHARES TR 1 3 YR TREAS BD 464287457   447,948 5,519 SH   SOLE   0 0 5,519
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   456,510 9,273 SH   SOLE   0 0 9,273
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   514,426 20,544 SH   SOLE   0 0 20,544
VANGUARD WORLD FDS ENERGY ETF 92204A306   529,387 4,365 SH   SOLE   0 0 4,365
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   529,472 6,400 SH   SOLE   0 0 6,400
VANGUARD INDEX FDS TOTAL STK MKT 922908769   530,265 2,774 SH   SOLE   0 0 2,774
SPDR S&P 500 ETF TR TR UNIT 78462F103   532,654 1,393 SH   SOLE   0 0 1,393
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   561,284 7,456 SH   SOLE   0 0 7,456
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   564,748 22,790 SH   SOLE   0 0 22,790
ALPHABET INC CAP STK CL A 02079K305   582,318 6,600 SH   SOLE   0 0 6,600
ISHARES TR FLTG RATE NT ETF 46429B655   599,229 11,906 SH   SOLE   0 0 11,906
LILLY ELI & CO COM 532457108   600,709 1,642 SH   SOLE   0 0 1,642
EXXON MOBIL CORP COM 30231G102   607,319 5,506 SH   SOLE   0 0 5,506
SELECT SECTOR SPDR TR ENERGY 81369Y506   612,912 7,007 SH   SOLE   0 0 7,007
PEPSICO INC COM 713448108   618,580 3,424 SH   SOLE   0 0 3,424
HOME DEPOT INC COM 437076102   623,192 1,973 SH   SOLE   0 0 1,973
AMAZON COM INC COM 023135106   660,576 7,864 SH   SOLE   0 0 7,864
INTEL CORP COM 458140100   696,748 26,362 SH   SOLE   0 0 26,362
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402   717,787 30,109 SH   SOLE   0 0 30,109
CHEVRON CORP NEW COM 166764100   719,216 4,007 SH   SOLE   0 0 4,007
NVIDIA CORPORATION COM 67066G104   734,500 5,026 SH   SOLE   0 0 5,026
JPMORGAN CHASE & CO COM 46625H100   736,875 5,495 SH   SOLE   0 0 5,495
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   778,447 6,027 SH   SOLE   0 0 6,027
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204   807,355 14,244 SH   SOLE   0 0 14,244
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   815,513 4,257 SH   SOLE   0 0 4,257
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   822,855 11,672 SH   SOLE   0 0 11,672
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   831,129 28,591 SH   SOLE   0 0 28,591
FIDELITY COVINGTON TRUST MSCI INDL INDX 316092709   853,422 16,829 SH   SOLE   0 0 16,829
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   891,671 16,685 SH   SOLE   0 0 16,685
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303   908,944 20,284 SH   SOLE   0 0 20,284
ISHARES TR CORE S&P500 ETF 464287200   934,401 2,432 SH   SOLE   0 0 2,432
VANGUARD STAR FDS VG TL INTL STK F 921909768   942,649 18,226 SH   SOLE   0 0 18,226
ISHARES TR CORE MSCI INTL 46435G326   948,414 16,942 SH   SOLE   0 0 16,942
ISHARES TR CORE S&P MCP ETF 464287507   995,864 4,117 SH   SOLE   0 0 4,117
JOHNSON & JOHNSON COM 478160104   1,034,462 5,856 SH   SOLE   0 0 5,856
PACER FDS TR US CASH COWS 100 69374H881   1,034,652 22,371 SH   SOLE   0 0 22,371
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,048,168 13,523 SH   SOLE   0 0 13,523
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,127,981 10,424 SH   SOLE   0 0 10,424
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   1,142,231 6,254 SH   SOLE   0 0 6,254
ISHARES TR BLACKROCK ULTRA 46434V878   1,179,677 23,575 SH   SOLE   0 0 23,575
ISHARES INC CORE MSCI EMKT 46434G103   1,197,184 25,636 SH   SOLE   0 0 25,636
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,229,725 24,531 SH   SOLE   0 0 24,531
FIDELITY COVINGTON TRUST MSCI COMMNTN SVC 316092873   1,280,181 41,216 SH   SOLE   0 0 41,216
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,369,383 9,018 SH   SOLE   0 0 9,018
INVESCO QQQ TR UNIT SER 1 46090E103   1,384,965 5,201 SH   SOLE   0 0 5,201
MICROSOFT CORP COM 594918104   1,530,291 6,381 SH   SOLE   0 0 6,381
PROCTER AND GAMBLE CO COM 742718109   1,580,922 10,431 SH   SOLE   0 0 10,431
ISHARES GOLD TR ISHARES NEW 464285204   1,582,181 45,741 SH   SOLE   0 0 45,741
ISHARES TR CORE S&P SCP ETF 464287804   1,706,518 18,032 SH   SOLE   0 0 18,032
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501   1,744,552 36,390 SH   SOLE   0 0 36,390
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   2,215,825 23,445 SH   SOLE   0 0 23,445
VANGUARD WORLD FDS INF TECH ETF 92204A702   2,417,614 7,569 SH   SOLE   0 0 7,569
VANGUARD INDEX FDS VALUE ETF 922908744   2,502,309 17,827 SH   SOLE   0 0 17,827
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   2,679,716 18,971 SH   SOLE   0 0 18,971
VANGUARD INDEX FDS GROWTH ETF 922908736   2,776,948 13,031 SH   SOLE   0 0 13,031
APPLE INC COM 037833100   2,787,908 21,457 SH   SOLE   0 0 21,457
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   2,863,430 49,523 SH   SOLE   0 0 49,523
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   2,884,603 45,086 SH   SOLE   0 0 45,086
ISHARES TR IBOXX INV CP ETF 464287242   2,904,049 27,545 SH   SOLE   0 0 27,545
ISHARES TR CORE 1 5 YR USD 46432F859   3,189,357 68,677 SH   SOLE   0 0 68,677
ISHARES TR CORE MSCI EAFE 46432F842   3,587,524 58,201 SH   SOLE   0 0 58,201
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   4,273,317 91,486 SH   SOLE   0 0 91,486
ISHARES TR CORE S&P US VLU 464287663   4,641,914 65,722 SH   SOLE   0 0 65,722
ISHARES TR CORE S&P US GWT 464287671   4,857,340 59,585 SH   SOLE   0 0 59,585
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   5,854,214 77,859 SH   SOLE   0 0 77,859