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
SPDR SER TR PORTFOLIO S&P500 78464A854 71,520 1,612,985 SH   SOLE   0 0 1,612,985
PACER FDS TR TRENDP US LAR CP 69374H105 71,126 1,893,672 SH   SOLE   0 0 1,893,672
ISHARES TR ESG AWR MSCI USA 46435G425 50,409 600,817 SH   SOLE   0 0 600,817
VANGUARD INDEX FDS GROWTH ETF 922908736 19,138 85,862 SH   SOLE   0 0 85,862
ISHARES TR EAFE VALUE ETF 464288877 17,560 404,602 SH   SOLE   0 0 404,602
ISHARES TR RUS 1000 VAL ETF 464287598 16,025 110,539 SH   SOLE   0 0 110,539
ISHARES TR US TREAS BD ETF 46429B267 15,063 630,257 SH   SOLE   0 0 630,257
ISHARES TR CORE TOTAL USD 46434V613 13,487 288,059 SH   SOLE   0 0 288,059
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 12,408 259,197 SH   SOLE   0 0 259,197
ISHARES TR EXPONENTIAL TECH 46434V381 11,953 249,390 SH   SOLE   0 0 249,390
ISHARES TR EAFE GRWTH ETF 464288885 11,451 142,265 SH   SOLE   0 0 142,265
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297 9,622 413,664 SH   SOLE   0 0 413,664
PROSHARES TR S&P 500 DV ARIST 74348A467 9,339 109,412 SH   SOLE   0 0 109,412
SPDR SER TR PORTFOLIO LN TSR 78464A664 7,436 224,869 SH   SOLE   0 0 224,869
SPDR INDEX SHS FDS S&P NORTH AMER 78463X152 7,130 144,864 SH   SOLE   0 0 144,864
ISHARES TR MSCI USA MIN VOL 46429B697 6,873 97,896 SH   SOLE   0 0 97,896
SCHWAB STRATEGIC TR US TIPS ETF 808524870 6,859 122,921 SH   SOLE   0 0 122,921
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 6,747 289,580 SH   SOLE   0 0 289,580
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 6,134 149,837 SH   SOLE   0 0 149,837
ISHARES TR CORE S&P500 ETF 464287200 5,887 15,528 SH   SOLE   0 0 15,528
ISHARES TR IBOXX INV CP ETF 464287242 5,977 54,325 SH   SOLE   0 0 54,325
ISHARES TR FALN ANGLS USD 46435G474 5,570 226,222 SH   SOLE   0 0 226,222
APPLE INC COM 037833100 5,568 40,722 SH   SOLE   0 0 40,722
ISHARES TR SP SMCP600VL ETF 464287879 5,178 58,160 SH   SOLE   0 0 58,160
ISHARES TR CORE MSCI EAFE 46432F842 5,034 85,535 SH   SOLE   0 0 85,535
ISHARES TR CORE HIGH DV ETF 46429B663 4,765 47,444 SH   SOLE   0 0 47,444
ISHARES TR 10-20 YR TRS ETF 464288653 4,272 35,552 SH   SOLE   0 0 35,552
ISHARES TR CONV BD ETF 46435G102 4,200 60,557 SH   SOLE   0 0 60,557
ISHARES TR S&P MC 400GR ETF 464287606 4,089 64,167 SH   SOLE   0 0 64,167
ISHARES TR 3 7 YR TREAS BD 464288661 4,106 34,406 SH   SOLE   0 0 34,406
ISHARES TR MSCI USA QLT FCT 46432F339 4,008 35,874 SH   SOLE   0 0 35,874
JOHNSON & JOHNSON COM 478160104 3,989 22,470 SH   SOLE   0 0 22,470
ISHARES TR S&P MC 400VL ETF 464287705 4,005 42,424 SH   SOLE   0 0 42,424
PROCTER AND GAMBLE CO COM 742718109 3,784 26,317 SH   SOLE   0 0 26,317
ISHARES TR US INFRASTRUC 46435U713 3,409 100,146 SH   SOLE   0 0 100,146
ISHARES TR CORE S&P MCP ETF 464287507 3,404 15,046 SH   SOLE   0 0 15,046
SPDR SER TR NUVEEN BLMBRG MU 78468R721 3,059 66,699 SH   SOLE   0 0 66,699
ALBEMARLE CORP COM 012653101 3,055 14,618 SH   SOLE   0 0 14,618
ISHARES TR TIPS BD ETF 464287176 3,049 26,766 SH   SOLE   0 0 26,766
ISHARES INC MSCI EMERG MRKT 464286533 3,002 54,161 SH   SOLE   0 0 54,161
COCA COLA CO COM 191216100 2,883 45,835 SH   SOLE   0 0 45,835
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 2,876 134,123 SH   SOLE   0 0 134,123
ABBVIE INC COM 00287Y109 2,857 18,655 SH   SOLE   0 0 18,655
ISHARES TR CORE S&P TTL STK 464287150 2,850 34,014 SH   SOLE   0 0 34,014
NUCOR CORP COM 670346105 2,818 26,985 SH   SOLE   0 0 26,985
ARCHER DANIELS MIDLAND CO COM 039483102 2,621 33,772 SH   SOLE   0 0 33,772
ISHARES TR RUS 2000 GRW ETF 464287648 2,671 12,948 SH   SOLE   0 0 12,948
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 2,619 60,036 SH   SOLE   0 0 60,036
S&P GLOBAL INC COM 78409V104 2,606 7,731 SH   SOLE   0 0 7,731
ISHARES TR MSCI EAFE ETF 464287465 2,638 42,213 SH   SOLE   0 0 42,213
ISHARES TR MSCI USA MMENTM 46432F396 2,585 18,955 SH   SOLE   0 0 18,955
CINTAS CORP COM 172908105 2,485 6,652 SH   SOLE   0 0 6,652
SELECT SECTOR SPDR TR ENERGY 81369Y506 2,443 34,161 SH   SOLE   0 0 34,161
ISHARES TR MSCI EAFE MIN VL 46429B689 2,426 38,325 SH   SOLE   0 0 38,325
AUTOMATIC DATA PROCESSING IN COM 053015103 2,358 11,228 SH   SOLE   0 0 11,228
INVESCO QQQ TR UNIT SER 1 46090E103 2,245 8,011 SH   SOLE   0 0 8,011
LOWES COS INC COM 548661107 2,201 12,601 SH   SOLE   0 0 12,601
CHUBB LIMITED COM H1467J104 2,197 11,178 SH   SOLE   0 0 11,178
ISHARES TR ESG MSCI LEADR 46435U218 2,184 32,903 SH   SOLE   0 0 32,903
CINCINNATI FINL CORP COM 172062101 2,182 18,343 SH   SOLE   0 0 18,343
LINDE PLC SHS G5494J103 2,175 7,566 SH   SOLE   0 0 7,566
GRAINGER W W INC COM 384802104 2,152 4,736 SH   SOLE   0 0 4,736
SYSCO CORP COM 871829107 2,110 24,903 SH   SOLE   0 0 24,903
WALMART INC COM 931142103 2,106 17,324 SH   SOLE   0 0 17,324
ISHARES TR CORE DIV GRWTH 46434V621 2,097 44,026 SH   SOLE   0 0 44,026
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,133 23,410 SH   SOLE   0 0 23,410
PEPSICO INC COM 713448108 2,061 12,364 SH   SOLE   0 0 12,364
ISHARES TR U.S. ENERGY ETF 464287796 2,048 53,717 SH   SOLE   0 0 53,717
MCDONALDS CORP COM 580135101 2,030 8,221 SH   SOLE   0 0 8,221
ABBOTT LABS COM 002824100 2,022 18,611 SH   SOLE   0 0 18,611
GENUINE PARTS CO COM 372460105 2,014 15,146 SH   SOLE   0 0 15,146
SHERWIN WILLIAMS CO COM 824348106 1,955 8,729 SH   SOLE   0 0 8,729
SPDR SER TR PORTFOLIO INTRMD 78464A375 1,953 59,862 SH   SOLE   0 0 59,862
AFLAC INC COM 001055102 1,946 35,175 SH   SOLE   0 0 35,175
GENERAL DYNAMICS CORP COM 369550108 1,915 8,655 SH   SOLE   0 0 8,655
EXXON MOBIL CORP COM 30231G102 1,938 22,634 SH   SOLE   0 0 22,634
TARGET CORP COM 87612E106 1,882 13,322 SH   SOLE   0 0 13,322
BROWN FORMAN CORP CL B 115637209 1,851 26,379 SH   SOLE   0 0 26,379
DOVER CORP COM 260003108 1,837 15,139 SH   SOLE   0 0 15,139
ISHARES TR IBONDS DEC2023 46435G318 1,788 70,099 SH   SOLE   0 0 70,099
EMERSON ELEC CO COM 291011104 1,761 22,139 SH   SOLE   0 0 22,139
AIR PRODS & CHEMS INC COM 009158106 1,733 7,208 SH   SOLE   0 0 7,208
ISHARES TR IBONDS DEC 46435U697 1,725 66,352 SH   SOLE   0 0 66,352
ILLINOIS TOOL WKS INC COM 452308109 1,725 9,464 SH   SOLE   0 0 9,464
ISHARES INC CORE MSCI EMKT 46434G103 1,720 35,056 SH   SOLE   0 0 35,056
ISHARES TR IBONDS DEC2022 46435G755 1,691 65,264 SH   SOLE   0 0 65,264
MCCORMICK & CO INC COM NON VTG 579780206 1,676 20,132 SH   SOLE   0 0 20,132
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,635 47,011 SH   SOLE   0 0 47,011
PROSHARES TR RUSS 2000 DIVD 74347B698 1,612 27,441 SH   SOLE   0 0 27,441
ROPER TECHNOLOGIES INC COM 776696106 1,612 4,084 SH   SOLE   0 0 4,084
ISHARES TR IBONDS DEC 25 46435U432 1,536 57,692 SH   SOLE   0 0 57,692
PRICE T ROWE GROUP INC COM 74144T108 1,498 13,186 SH   SOLE   0 0 13,186
PENTAIR PLC SHS G7S00T104 1,489 32,537 SH   SOLE   0 0 32,537
HORMEL FOODS CORP COM 440452100 1,484 31,345 SH   SOLE   0 0 31,345
ISHARES TR IBONDS DEC 26 46435U259 1,469 57,961 SH   SOLE   0 0 57,961
COLGATE PALMOLIVE CO COM 194162103 1,468 18,321 SH   SOLE   0 0 18,321
ISHARES TR S&P 100 ETF 464287101 1,443 8,364 SH   SOLE   0 0 8,364
BECTON DICKINSON & CO COM 075887109 1,442 5,851 SH   SOLE   0 0 5,851
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201 1,394 30,531 SH   SOLE   0 0 30,531
ISHARES TR GLOBAL TECH ETF 464287291 1,367 29,919 SH   SOLE   0 0 29,919
EXPEDITORS INTL WASH INC COM 302130109 1,366 14,018 SH   SOLE   0 0 14,018
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 1,359 18,131 SH   SOLE   0 0 18,131
SPDR SER TR PORTFLI TIPS ETF 78464A656 1,357 49,313 SH   SOLE   0 0 49,313
MEDTRONIC PLC SHS G5960L103 1,343 14,965 SH   SOLE   0 0 14,965
KIMBERLY-CLARK CORP COM 494368103 1,321 9,773 SH   SOLE   0 0 9,773
PPG INDS INC COM 693506107 1,304 11,401 SH   SOLE   0 0 11,401
AMGEN INC COM 031162100 1,282 5,268 SH   SOLE   0 0 5,268
SMITH A O CORP COM 831865209 1,258 23,009 SH   SOLE   0 0 23,009
TESLA INC COM 88160R101 1,218 1,809 SH   SOLE   0 0 1,809
ECOLAB INC COM 278865100 1,210 7,868 SH   SOLE   0 0 7,868
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 1,208 25,761 SH   SOLE   0 0 25,761
ISHARES TR MBS ETF 464288588 1,208 12,386 SH   SOLE   0 0 12,386
PROSHARES TR MSCI EAFE DIVD 74347B839 1,197 34,622 SH   SOLE   0 0 34,622
PFIZER INC COM 717081103 1,195 22,786 SH   SOLE   0 0 22,786
MICROSOFT CORP COM 594918104 1,216 4,733 SH   SOLE   0 0 4,733
REALTY INCOME CORP COM 756109104 1,185 17,364 SH   SOLE   0 0 17,364
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,153 3,057 SH   SOLE   0 0 3,057
CARDINAL HEALTH INC COM 14149Y108 1,142 21,854 SH   SOLE   0 0 21,854
ISHARES TR S&P SML 600 GWT 464287887 1,102 10,467 SH   SOLE   0 0 10,467
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,105 4,048 SH   SOLE   0 0 4,048
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198 1,086 21,125 SH   SOLE   0 0 21,125
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,134 6,013 SH   SOLE   0 0 6,013
NEXTERA ENERGY INC COM 65339F101 1,077 13,900 SH   SOLE   0 0 13,900
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 1,059 36,383 SH   SOLE   0 0 36,383
CLOROX CO DEL COM 189054109 1,026 7,280 SH   SOLE   0 0 7,280
LEGGETT & PLATT INC COM 524660107 999 28,880 SH   SOLE   0 0 28,880
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 959 36,303 SH   SOLE   0 0 36,303
STANLEY BLACK & DECKER INC COM 854502101 945 9,011 SH   SOLE   0 0 9,011
ISHARES TR 20 YR TR BD ETF 464287432 940 8,184 SH   SOLE   0 0 8,184
ISHARES TR RUS 1000 ETF 464287622 923 4,442 SH   SOLE   0 0 4,442
ISHARES TR U.S. MED DVC ETF 464288810 896 17,754 SH   SOLE   0 0 17,754
ISHARES TR IBONDS DEC23 ETF 46434VAX8 892 35,556 SH   SOLE   0 0 35,556
ISHARES TR IBONDS DEC22 ETF 46434VBA7 883 35,299 SH   SOLE   0 0 35,299
INVESCO EXCH TRADED FD TR II S&P SMLCP LOW 46138G102 882 19,797 SH   SOLE   0 0 19,797
3M CO COM 88579Y101 854 6,598 SH   SOLE   0 0 6,598
ISHARES TR 0-5YR HI YL CP 46434V407 849 20,935 SH   SOLE   0 0 20,935
ISHARES TR U.S. TECH ETF 464287721 845 10,563 SH   SOLE   0 0 10,563
MERCK & CO INC COM 58933Y105 831 9,110 SH   SOLE   0 0 9,110
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 826 9,680 SH   SOLE   0 0 9,680
AMAZON COM INC COM 023135106 823 7,746 SH   SOLE   0 0 7,746
ISHARES TR IBONDS DEC24 ETF 46434VBG4 794 32,069 SH   SOLE   0 0 32,069
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 760 15,165 SH   SOLE   0 0 15,165
PROSHARES TR S&P MDCP 400 DIV 74347B680 738 10,939 SH   SOLE   0 0 10,939
WEST PHARMACEUTICAL SVSC INC COM 955306105 729 2,410 SH   SOLE   0 0 2,410
ISHARES TR S&P 500 GRWT ETF 464287309 727 12,039 SH   SOLE   0 0 12,039
V F CORP COM 918204108 722 16,357 SH   SOLE   0 0 16,357
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 704 11,131 SH   SOLE   0 0 11,131
ISHARES TR IBONDS DEC25 ETF 46434VBD1 688 27,848 SH   SOLE   0 0 27,848
SPDR SER TR PORTFOLIO SHORT 78464A474 636 21,403 SH   SOLE   0 0 21,403
ISHARES INC ESG AWR MSCI EM 46434G863 636 19,679 SH   SOLE   0 0 19,679
SPDR SER TR PORTFOLIO S&P600 78468R853 632 17,556 SH   SOLE   0 0 17,556
SPDR SER TR PORTFOLIO S&P400 78464A847 627 15,790 SH   SOLE   0 0 15,790
ISHARES TR US HLTHCARE ETF 464287762 619 2,302 SH   SOLE   0 0 2,302
ALPHABET INC CAP STK CL A 02079K305 604 277 SH   SOLE   0 0 277
ISHARES TR EXPANDED TECH 464287515 585 2,169 SH   SOLE   0 0 2,169
BRISTOL-MYERS SQUIBB CO COM 110122108 585 7,603 SH   SOLE   0 0 7,603
ISHARES U S ETF TR BLACKROCK SHORT 46431W838 580 11,659 SH   SOLE   0 0 11,659
PROSHARES TR S&P TECH DIVIDEN 74347G606 550 10,255 SH   SOLE   0 0 10,255
ISHARES TR IBONDS DEC2026 46435GAA0 546 22,970 SH   SOLE   0 0 22,970
ISHARES TR CORE MSCI TOTAL 46432F834 542 9,510 SH   SOLE   0 0 9,510
LILLY ELI & CO COM 532457108 531 1,638 SH   SOLE   0 0 1,638
ISHARES TR 7-10 YR TRSY BD 464287440 527 5,156 SH   SOLE   0 0 5,156
PIMCO ETF TR 1-5 US TIP IDX 72201R205 522 9,979 SH   SOLE   0 0 9,979
M & T BK CORP COM 55261F104 507 3,179 SH   SOLE   0 0 3,179
ISHARES TR CORE S&P SCP ETF 464287804 487 5,269 SH   SOLE   0 0 5,269
SPDR SER TR NUVEEN BLMBRG SH 78468R739 479 10,143 SH   SOLE   0 0 10,143
ISHARES TR MSCI USA VALUE 46432F388 456 5,034 SH   SOLE   0 0 5,034
ISHARES TR RUS 1000 GRW ETF 464287614 448 2,050 SH   SOLE   0 0 2,050
ALPHABET INC CAP STK CL C 02079K107 440 201 SH   SOLE   0 0 201
VANGUARD WORLD FDS INF TECH ETF 92204A702 518 1,587 SH   SOLE   0 0 1,587
LEGG MASON ETF INVT FRANKLIN US LOW 52468L406 428 11,372 SH   SOLE   0 0 11,372
CHEVRON CORP NEW COM 166764100 416 2,873 SH   SOLE   0 0 2,873
UNITEDHEALTH GROUP INC COM 91324P102 422 821 SH   SOLE   0 0 821
INTERNATIONAL BUSINESS MACHS COM 459200101 404 2,859 SH   SOLE   0 0 2,859
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 400 2,978 SH   SOLE   0 0 2,978
INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506 389 11,274 SH   SOLE   0 0 11,274
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 378 2,638 SH   SOLE   0 0 2,638
INVESCO CURRENCYSHARES CDN D CDN DLR SHS 46138T104 372 4,898 SH   SOLE   0 0 4,898
SPDR SER TR PORTFOLI S&P1500 78464A805 368 7,907 SH   SOLE   0 0 7,907
VERIZON COMMUNICATIONS INC COM 92343V104 352 6,942 SH   SOLE   0 0 6,942
META PLATFORMS INC CL A 30303M102 343 2,127 SH   SOLE   0 0 2,127
SPDR SER TR MSCI USA STRTGIC 78468R812 333 3,078 SH   SOLE   0 0 3,078
WISDOMTREE TR US TOTAL DIVIDND 97717W109 327 5,652 SH   SOLE   0 0 5,652
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 326 3,210 SH   SOLE   0 0 3,210
VISA INC COM CL A 92826C839 312 1,585 SH   SOLE   0 0 1,585
ANALOG DEVICES INC COM 032654105 304 2,080 SH   SOLE   0 0 2,080
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 291 6,597 SH   SOLE   0 0 6,597
QUALCOMM INC COM 747525103 294 2,300 SH   SOLE   0 0 2,300
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 283 11,713 SH   SOLE   0 0 11,713
AT&T INC COM 00206R102 270 12,900 SH   SOLE   0 0 12,900
ISHARES TR ESG AWR US AGRGT 46435U549 260 5,304 SH   SOLE   0 0 5,304
SHELL PLC SPON ADS 780259305 256 4,900 SH   SOLE   0 0 4,900
VANGUARD WORLD FD ESG US STK ETF 921910733 243 3,665 SH   SOLE   0 0 3,665
APPLIED MATLS INC COM 038222105 237 2,605 SH   SOLE   0 0 2,605
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 234 4,758 SH   SOLE   0 0 4,758
COMCAST CORP NEW CL A 20030N101 230 5,858 SH   SOLE   0 0 5,858
SELECTIVE INS GROUP INC COM 816300107 221 2,546 SH   SOLE   0 0 2,546
THERMO FISHER SCIENTIFIC INC COM 883556102 220 405 SH   SOLE   0 0 405
JPMORGAN CHASE & CO COM 46625H100 221 1,963 SH   SOLE   0 0 1,963
AXON ENTERPRISE INC COM 05464C101 210 2,250 SH   SOLE   0 0 2,250
ISHARES TR CORE MSCI INTL 46435G326 207 3,851 SH   SOLE   0 0 3,851
ISHARES TR USD INV GRDE ETF 464288620 204 3,998 SH   SOLE   0 0 3,998
WISDOMTREE TR US ESG FUND 97717W596 203 4,974 SH   SOLE   0 0 4,974
VALLEY NATL BANCORP COM 919794107 145 13,966 SH   SOLE   0 0 13,966
SIRIUS XM HOLDINGS INC COM 82968B103 96 15,657 SH   SOLE   0 0 15,657
WIPRO LTD SPON ADR 1 SH 97651M109 55 10,342 SH   SOLE   0 0 10,342