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
ABBOTT LABS COM 002824100 BBG001S5N9M6 1,842,849 18,199 SH   SOLE   0 0 18,199
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 1,024,020 6,425 SH   SOLE   0 0 6,425
ADOBE SYSTEMS INCORPORATED COM 00724F101 BBG001S5NCQ5 389,223 1,010 SH   SOLE   0 0 1,010
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 611,177 5,892 SH   SOLE   0 0 5,892
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 285,688 2,747 SH   SOLE   0 0 2,747
AMAZON COM INC COM 023135106 BBG001S5PQL7 906,989 8,781 SH   SOLE   0 0 8,781
AMERICAN CENTY ETF TR MULTISECTOR 025072398 BBG011MFKJQ6 396,766 9,082 SH   SOLE   0 0 9,082
AMGEN INC COM 031162100 BBG001S5NNL6 300,443 1,243 SH   SOLE   0 0 1,243
APPLE INC COM 037833100 BBG001S5N8V8 8,566,555 51,950 SH   SOLE   0 0 51,950
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,851,077 5,995 SH   SOLE   0 0 5,995
BOEING CO COM 097023105 BBG001S5P0V3 651,949 3,069 SH   SOLE   0 0 3,069
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 547,618 7,901 SH   SOLE   0 0 7,901
CREDIT SUISSE GROUP SPONSORED ADR 225401108 BBG001SF3K87 16,461 18,500 SH   SOLE   0 0 18,500
CSX CORP COM 126408103 BBG001S5Q7Q3 567,356 18,950 SH   SOLE   0 0 18,950
DISNEY WALT CO COM 254687106 BBG001S5QHF3 302,704 3,023 SH   SOLE   0 0 3,023
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 BBG001SDHNW4 365,787 29,333 SH   SOLE   0 0 29,333
ENTERPRISE PRODS PARTNERS L COM 293792107 BBG001S9P0Z1 1,126,658 43,500 SH   SOLE   0 0 43,500
ESSENTIAL UTILS INC COM 29670G102 BBG001S5VFD3 633,100 14,504 SH   SOLE   0 0 14,504
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 441,913 4,030 SH   SOLE   0 0 4,030
FIDELITY MERRIMACK STR TR LTD TRM BD ETF 316188200 BBG0078XLZ93 1,865,611 38,498 SH   SOLE   0 0 38,498
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846 BBG009K1H2W7 355,248 8,310 SH   SOLE   0 0 8,310
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101 BBG01BG24837 255,791 57,611 SH   SOLE   0 0 57,611
GALLAGHER ARTHUR J & CO COM 363576109 BBG001S5NKC2 4,224,005 22,079 SH   SOLE   0 0 22,079
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 BBG00DSB42H9 231,729 9,087 SH   SOLE   0 0 9,087
GLOBAL X FDS TELMDC&DIG ETF 37954Y285 BBG00WCNXGG6 179,116 15,283 SH   SOLE   0 0 15,283
GLOBAL X FDS US PFD ETF 37954Y657 BBG00HPF2LX6 324,692 16,349 SH   SOLE   0 0 16,349
HOME DEPOT INC COM 437076102 BBG001S5RTW7 307,889 1,043 SH   SOLE   0 0 1,043
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 BBG00XS6PBW6 23,947,150 181,404 SH   SOLE   0 0 181,404
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 BBG001T0NSB6 624,189 54,372 SH   SOLE   0 0 54,372
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297 BBG002DJ8H94 3,107,093 133,754 SH   SOLE   0 0 133,754
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 BBG001V18CG8 339,617 5,443 SH   SOLE   0 0 5,443
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 BBG00KJR0YJ0 504,641 23,939 SH   SOLE   0 0 23,939
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 MUNI 46138J544 BBG00Q8H4Z40 504,569 20,102 SH   SOLE   0 0 20,102
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 BBG00KJR2GD3 299,532 14,547 SH   SOLE   0 0 14,547
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 MUNI 46138J536 BBG00Q8HCLV2 311,126 12,497 SH   SOLE   0 0 12,497
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 BBG00KJR2J47 302,335 14,908 SH   SOLE   0 0 14,908
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528 BBG00Q9CYMM6 302,884 12,342 SH   SOLE   0 0 12,342
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 BBG00KJR2K35 304,532 15,894 SH   SOLE   0 0 15,894
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510 BBG00Q8HN8N8 291,637 12,259 SH   SOLE   0 0 12,259
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 BBG001SDTVQ0 259,751 5,489 SH   SOLE   0 0 5,489
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 3,436,980 10,709 SH   SOLE   0 0 10,709
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 352,262 7,047 SH   SOLE   0 0 7,047
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 493,513 5,104 SH   SOLE   0 0 5,104
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 271,033 659 SH   SOLE   0 0 659
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 1,248,249 17,375 SH   SOLE   0 0 17,375
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 717,933 7,937 SH   SOLE   0 0 7,937
ISHARES TR ESG AWR US AGRGT 46435U549 BBG00MC0P0K7 1,001,135 20,831 SH   SOLE   0 0 20,831
ISHARES TR ESG AWRE 1 5 YR 46435G243 BBG00H4BFM35 1,141,841 47,458 SH   SOLE   0 0 47,458
ISHARES TR GL CLEAN ENE ETF 464288224 BBG001S7XDQ8 331,476 16,758 SH   SOLE   0 0 16,758
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 897,693 12,552 SH   SOLE   0 0 12,552
ISHARES TR MSCI GBL SUS DEV 46435G532 BBG00CRHS639 397,273 5,017 SH   SOLE   0 0 5,017
ISHARES TR MSCI USA ESG SLC 464288802 BBG001SN86J4 1,259,457 14,350 SH   SOLE   0 0 14,350
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 2,373,044 32,624 SH   SOLE   0 0 32,624
ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 466,813 14,952 SH   SOLE   0 0 14,952
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 328,992 1,461 SH   SOLE   0 0 1,461
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 248,056 1,390 SH   SOLE   0 0 1,390
ISHARES TR RUSSELL 3000 ETF 464287689 BBG001SFC7Z6 4,303,663 18,282 SH   SOLE   0 0 18,282
ISHARES TR SHORT TREAS BD 464288679 BBG001SSD803 403,325 3,650 SH   SOLE   0 0 3,650
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 1,100,739 10,515 SH   SOLE   0 0 10,515
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 11,280,171 224,169 SH   SOLE   0 0 224,169
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 BBG00M8D2458 9,349,517 184,082 SH   SOLE   0 0 184,082
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 BBG00J5DPW97 21,449,749 520,246 SH   SOLE   0 0 520,246
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,922,197 12,401 SH   SOLE   0 0 12,401
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 400,706 3,075 SH   SOLE   0 0 3,075
LOWES COS INC COM 548661107 BBG001S5SVL3 339,260 1,697 SH   SOLE   0 0 1,697
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 BBG001S731Q7 244,080 4,498 SH   SOLE   0 0 4,498
MCDONALDS CORP COM 580135101 BBG001S5T110 247,802 886 SH   SOLE   0 0 886
MCKESSON CORP COM 58155Q103 BBG001S8F8P8 410,170 1,152 SH   SOLE   0 0 1,152
MERCK & CO INC COM 58933Y105 BBG001S5TC52 1,654,123 15,548 SH   SOLE   0 0 15,548
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 203,674 961 SH   SOLE   0 0 961
MICROSOFT CORP COM 594918104 BBG001S5TD05 3,527,668 12,236 SH   SOLE   0 0 12,236
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 220,769 2,864 SH   SOLE   0 0 2,864
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 318,726 1,147 SH   SOLE   0 0 1,147
ORACLE CORP COM 68389X105 BBG001S5SJG6 252,708 2,720 SH   SOLE   0 0 2,720
PEPSICO INC COM 713448108 BBG001S695T1 283,892 1,557 SH   SOLE   0 0 1,557
PFIZER INC COM 717081103 BBG001S5V466 420,573 10,308 SH   SOLE   0 0 10,308
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 BBG001T618D9 2,313,013 23,305 SH   SOLE   0 0 23,305
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 BBG001T6Q6C7 2,199,727 44,189 SH   SOLE   0 0 44,189
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 1,623,201 10,917 SH   SOLE   0 0 10,917
PRUDENTIAL FINL INC COM 744320102 BBG001S97MM7 206,313 2,494 SH   SOLE   0 0 2,494
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 BBG001S5V3C1 243,101 3,893 SH   SOLE   0 0 3,893
SEAGEN INC COM 81181C104 BBG001S9M4Q6 492,002 2,430 SH   SOLE   0 0 2,430
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 BBG001S8LH99 212,544 639 SH   SOLE   0 0 639
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434 BBG006LCM0W6 5,670,376 81,800 SH   SOLE   0 0 81,800
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 928,404 2,268 SH   SOLE   0 0 2,268
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 770,024 15,269 SH   SOLE   0 0 15,269
SPDR SER TR PORTFOLIO AGRGTE 78464A649 BBG001STKD11 2,401,834 93,130 SH   SOLE   0 0 93,130
SPDR SER TR PORTFOLIO S&P400 78464A847 BBG001SPT9T9 4,294,203 97,729 SH   SOLE   0 0 97,729
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 2,634,694 88,920 SH   SOLE   0 0 88,920
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 8,380,589 151,383 SH   SOLE   0 0 151,383
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 203,926 5,008 SH   SOLE   0 0 5,008
SSGA ACTIVE ETF TR ULT SHT TRM BD 78467V707 BBG005D236G5 1,820,709 45,235 SH   SOLE   0 0 45,235
TESLA INC COM 88160R101 BBG001SQKGD7 2,285,173 11,015 SH   SOLE   0 0 11,015
UNION PAC CORP COM 907818108 BBG001S5X2M0 488,323 2,426 SH   SOLE   0 0 2,426
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 469,664 994 SH   SOLE   0 0 994
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 BBG001TC6MF8 3,364,140 14,596 SH   SOLE   0 0 14,596
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 55,274,129 722,633 SH   SOLE   0 0 722,633
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 217,687 1,624 SH   SOLE   0 0 1,624
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 350,126 1,660 SH   SOLE   0 0 1,660
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 801,925 2,132 SH   SOLE   0 0 2,132
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 53,862,388 263,902 SH   SOLE   0 0 263,902
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 1,727,493 22,662 SH   SOLE   0 0 22,662
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 34,914,474 226,703 SH   SOLE   0 0 226,703
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 BBG001T0Y6L1 2,749,608 27,218 SH   SOLE   0 0 27,218
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 206,295 5,305 SH   SOLE   0 0 5,305
VISA INC COM CL A 92826C839 BBG001SRCFY3 210,593 934 SH   SOLE   0 0 934
WALMART INC COM 931142103 BBG001S5XH92 353,874 2,400 SH   SOLE   0 0 2,400