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
ISHARES CORE MF Closed 464287226 48,161 473,651 SH   SOLE   0 0 473,651
ISHARES CORE MF Closed 46432F842 32,184 546,889 SH   SOLE   0 0 546,889
SPDR PORTFOLIO MF Closed 78464A508 29,905 812,199 SH   SOLE   0 0 812,199
SPDR PORTFOLIO MF Closed 78464A409 27,155 519,412 SH   SOLE   0 0 519,412
VANGUARD SHORT MF Closed 922020805 22,925 457,405 SH   SOLE   0 0 457,405
ISHARES CORE MF Closed 46435G672 13,066 262,317 SH   SOLE   0 0 262,317
ISHARES CORE MF Closed 464287804 11,424 123,620 SH   SOLE   0 0 123,620
ISHARES MSCI MF Closed 46429B697 7,169 102,107 SH   SOLE   0 0 102,107
SPDR GOLD Common Stock 78463V107 5,980 35,496 SH   SOLE   0 0 35,496
INVESCO DB Common Stock 46141D203 5,645 201,888 SH   SOLE   0 0 201,888
SELECT UTILITIES MF Closed 81369Y886 5,269 75,135 SH   SOLE   0 0 75,135
ISHARES CORE MF Closed 46434G103 5,250 107,010 SH   SOLE   0 0 107,010
APPLE INC Common Stock 037833100 807 5,901 SH   SOLE   0 0 5,901
PHILIP MORRIS Common Stock 718172109 697 7,060 SH   SOLE   0 0 7,060
EXXON MOBIL Common Stock 30231G102 570 6,656 SH   SOLE   0 0 6,656
MICROSOFT CORP Common Stock 594918104 456 1,774 SH   SOLE   0 0 1,774
CHEVRON CORP Common Stock 166764100 437 3,019 SH   SOLE   0 0 3,019
VANGUARD TOTAL MF Closed 921909768 396 7,682 SH   SOLE   0 0 7,682
ALTRIA GROUP Common Stock 02209S103 387 9,264 SH   SOLE   0 0 9,264
BERKSHIRE HATHAWAY Common Stock 084670702 379 1,390 SH   SOLE   0 0 1,390
PPL CORP Common Stock 69351T106 361 13,307 SH   SOLE   0 0 13,307
JOHNSON & JOHNSON Common Stock 478160104 284 1,597 SH   SOLE   0 0 1,597
SOUTHWEST AIRLINES Common Stock 844741108 261 7,226 SH   SOLE   0 0 7,226
PROCTER & GAMBLE Common Stock 742718109 258 1,791 SH   SOLE   0 0 1,791
VANGUARD TOTAL MF Closed 922908769 250 1,325 SH   SOLE   0 0 1,325
LOWES COMPANIES Common Stock 548661107 243 1,394 SH   SOLE   0 0 1,394
PFIZER INC Common Stock 717081103 242 4,609 SH   SOLE   0 0 4,609
MC CORMICK Common Stock 579780206 240 2,877 SH   SOLE   0 0 2,877
JPMORGAN CHASE Common Stock 46625H100 236 2,098 SH   SOLE   0 0 2,098
PNC FINANCIAL Common Stock 693475105 229 1,453 SH   SOLE   0 0 1,453
VERIZON COMMUNICATIONS Common Stock 92343V104 218 4,299 SH   SOLE   0 0 4,299
BRISTOL MYERS Common Stock 110122108 218 2,825 SH   SOLE   0 0 2,825
HOME DEPOT Common Stock 437076102 217 793 SH   SOLE   0 0 793