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
ABBVIE INC COM 00287Y109 519 3,391 SH   SOLE   0 0 3,391
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 226 814 SH   SOLE   0 0 814
ADOBE SYSTEMS INCORPORATED COM 00724F101 402 1,098 SH   SOLE   0 0 1,098
ALPHABET INC CAP STK CL A 02079K305 926 425 SH   SOLE   0 0 425
ALPHABET INC CAP STK CL C 02079K107 1,428 653 SH   SOLE   0 0 653
AMAZON COM INC COM 023135106 1,129 10,628 SH   SOLE   0 0 10,628
AMERICAN TOWER CORP NEW COM 03027X100 663 2,593 SH   SOLE   0 0 2,593
AMGEN INC COM 031162100 296 1,216 SH   SOLE   0 0 1,216
AMPHENOL CORP NEW CL A 032095101 467 7,256 SH   SOLE   0 0 7,256
APPLE INC COM 037833100 6,222 45,512 SH   SOLE   0 0 45,512
AT&T INC COM 00206R102 408 19,486 SH   SOLE   0 0 19,486
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,362 4,987 SH   SOLE   0 0 4,987
BGC PARTNERS INC CL A 05541T101 303 89,900 SH   SOLE   0 0 89,900
BK OF AMERICA CORP COM 060505104 276 8,880 SH   SOLE   0 0 8,880
BRISTOL-MYERS SQUIBB CO COM 110122108 409 5,314 SH   SOLE   0 0 5,314
CEDAR FAIR L P DEPOSITRY UNIT 150185106 221 5,034 SH   SOLE   0 0 5,034
CHEVRON CORP NEW COM 166764100 730 5,043 SH   SOLE   0 0 5,043
CIGNA CORP NEW COM 125523100 216 820 SH   SOLE   0 0 820
CISCO SYS INC COM 17275R102 496 11,629 SH   SOLE   0 0 11,629
CLEAR CHANNEL OUTDOOR HLDGS COM 18453H106 16 14,952 SH   SOLE   0 0 14,952
COCA COLA CO COM 191216100 740 11,755 SH   SOLE   0 0 11,755
COMCAST CORP NEW CL A 20030N101 586 14,926 SH   SOLE   0 0 14,926
CONOCOPHILLIPS COM 20825C104 274 3,052 SH   SOLE   0 0 3,052
COSTCO WHSL CORP NEW COM 22160K105 258 537 SH   SOLE   0 0 537
CROWN CASTLE INTL CORP NEW COM 22822V101 350 2,081 SH   SOLE   0 0 2,081
DANAHER CORPORATION COM 235851102 954 3,761 SH   SOLE   0 0 3,761
DENTSPLY SIRONA INC COM 24906P109 275 7,701 SH   SOLE   0 0 7,701
DISNEY WALT CO COM 254687106 243 2,575 SH   SOLE   0 0 2,575
DOLLAR GEN CORP NEW COM 256677105 545 2,222 SH   SOLE   0 0 2,222
DUKE ENERGY CORP NEW COM NEW 26441C204 765 7,133 SH   SOLE   0 0 7,133
ECOLAB INC COM 278865100 398 2,586 SH   SOLE   0 0 2,586
EMERSON ELEC CO COM 291011104 342 4,293 SH   SOLE   0 0 4,293
ENBRIDGE INC COM 29250N105 475 11,237 SH   SOLE   0 0 11,237
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 459 46,034 SH   SOLE   0 0 46,034
EXXON MOBIL CORP COM 30231G102 633 7,395 SH   SOLE   0 0 7,395
FIRST HORIZON CORPORATION COM 320517105 304 13,918 SH   SOLE   0 0 13,918
FISERV INC COM 337738108 322 3,619 SH   SOLE   0 0 3,619
FORTINET INC COM 34959E109 799 14,120 SH   SOLE   0 0 14,120
GARTNER INC COM 366651107 336 1,390 SH   SOLE   0 0 1,390
GENERAL DYNAMICS CORP COM 369550108 336 1,518 SH   SOLE   0 0 1,518
GENERAL MLS INC COM 370334104 371 4,920 SH   SOLE   0 0 4,920
GILEAD SCIENCES INC COM 375558103 296 4,792 SH   SOLE   0 0 4,792
GSK PLC SPONSORED ADR 37733W105 582 13,370 SH   SOLE   0 0 13,370
HARTFORD FDS EXCHANGE TRADED MUN OPORTUNITE 41653L503 672 17,784 SH   SOLE   0 0 17,784
HOME DEPOT INC COM 437076102 612 2,230 SH   SOLE   0 0 2,230
HONEYWELL INTL INC COM 438516106 231 1,327 SH   SOLE   0 0 1,327
HP INC COM 40434L105 292 8,909 SH   SOLE   0 0 8,909
INTEL CORP COM 458140100 346 9,252 SH   SOLE   0 0 9,252
INTERCONTINENTAL EXCHANGE IN COM 45866F104 318 3,382 SH   SOLE   0 0 3,382
INTERNATIONAL BUSINESS MACHS COM 459200101 764 5,410 SH   SOLE   0 0 5,410
INTUIT COM 461202103 387 1,005 SH   SOLE   0 0 1,005
INVESCO QQQ TR UNIT SER 1 46090E103 245 875 SH   SOLE   0 0 875
ISHARES INC CORE MSCI EMKT 46434G103 4,266 86,962 SH   SOLE   0 0 86,962
ISHARES TR 20 YR TR BD ETF 464287432 108 32,300 SH Call SOLE   0 0 32,300
ISHARES TR CORE S&P MCP ETF 464287507 669 2,959 SH   SOLE   0 0 2,959
ISHARES TR CORE S&P SCP ETF 464287804 205 2,220 SH   SOLE   0 0 2,220
ISHARES TR CORE S&P500 ETF 464287200 1,579 4,165 SH   SOLE   0 0 4,165
ISHARES TR CORE TOTAL USD 46434V613 25,596 546,685 SH   SOLE   0 0 546,685
ISHARES TR MSCI EAFE ETF 464287465 3,200 51,216 SH   SOLE   0 0 51,216
ISHARES TR MSCI EMG MKT ETF 464287234 366 9,133 SH   SOLE   0 0 9,133
ISHARES TR MSCI INTL QUALTY 46434V456 3,500 113,175 SH   SOLE   0 0 113,175
ISHARES TR MSCI USA QLT FCT 46432F339 26,476 236,962 SH   SOLE   0 0 236,962
ISHARES TR NATIONAL MUN ETF 464288414 4,105 38,593 SH   SOLE   0 0 38,593
ISHARES TR RUS 1000 ETF 464287622 391 1,880 SH   SOLE   0 0 1,880
ISHARES TR RUS 1000 GRW ETF 464287614 1,367 6,250 SH   SOLE   0 0 6,250
ISHARES TR RUS 1000 VAL ETF 464287598 634 4,373 SH   SOLE   0 0 4,373
ISHARES TR RUS 2000 GRW ETF 464287648 557 2,700 SH   SOLE   0 0 2,700
ISHARES TR RUSSELL 2000 ETF 464287655 612 3,615 SH   SOLE   0 0 3,615
ISHARES TR S&P 500 VAL ETF 464287408 540 3,929 SH   SOLE   0 0 3,929
ISHARES TR SELECT DIVID ETF 464287168 395 3,356 SH   SOLE   0 0 3,356
JOHNSON & JOHNSON COM 478160104 2,988 16,831 SH   SOLE   0 0 16,831
JPMORGAN CHASE & CO COM 46625H100 596 5,293 SH   SOLE   0 0 5,293
KIMBERLY-CLARK CORP COM 494368103 331 2,448 SH   SOLE   0 0 2,448
LILLY ELI & CO COM 532457108 374 1,153 SH   SOLE   0 0 1,153
LINCOLN NATL CORP IND COM 534187109 2,294 49,045 SH   SOLE   0 0 49,045
LINDE PLC SHS G5494J103 558 1,942 SH   SOLE   0 0 1,942
LOCKHEED MARTIN CORP COM 539830109 1,703 3,961 SH   SOLE   0 0 3,961
MANHATTAN BRDG CAP INC COM 562803106 176 31,352 SH   SOLE   0 0 31,352
MARSH & MCLENNAN COS INC COM 571748102 518 3,334 SH   SOLE   0 0 3,334
MASTERCARD INCORPORATED CL A 57636Q104 717 2,271 SH   SOLE   0 0 2,271
MCDONALDS CORP COM 580135101 716 2,900 SH   SOLE   0 0 2,900
MERCK & CO INC COM 58933Y105 1,741 19,100 SH   SOLE   0 0 19,100
META PLATFORMS INC CL A 30303M102 569 3,530 SH   SOLE   0 0 3,530
META PLATFORMS INC CL A 30303M102 26 11,000 SH Put SOLE   0 0 11,000
MICROSOFT CORP COM 594918104 3,044 11,854 SH   SOLE   0 0 11,854
MODEL N INC COM 607525102 732 28,615 SH   SOLE   0 0 28,615
NEXTERA ENERGY INC COM 65339F101 428 5,527 SH   SOLE   0 0 5,527
NVIDIA CORPORATION COM 67066G104 411 2,714 SH   SOLE   0 0 2,714
ORACLE CORP COM 68389X105 323 4,623 SH   SOLE   0 0 4,623
PEMBINA PIPELINE CORP COM 706327103 663 18,766 SH   SOLE   0 0 18,766
PEPSICO INC COM 713448108 603 3,621 SH   SOLE   0 0 3,621
PFIZER INC COM 717081103 2,140 40,812 SH   SOLE   0 0 40,812
PHILIP MORRIS INTL INC COM 718172109 496 5,019 SH   SOLE   0 0 5,019
PHILLIPS 66 COM 718546104 256 3,126 SH   SOLE   0 0 3,126
PNC FINL SVCS GROUP INC COM 693475105 710 4,500 SH   SOLE   0 0 4,500
PROCTER AND GAMBLE CO COM 742718109 1,562 10,861 SH   SOLE   0 0 10,861
PROSHARES TR ONLINE RTL ETF 74347B169 311 9,561 SH   SOLE   0 0 9,561
PROSPECT CAP CORP COM 74348T102 359 51,361 SH   SOLE   0 0 51,361
PRUDENTIAL FINL INC COM 744320102 303 3,168 SH   SOLE   0 0 3,168
QORVO INC COM 74736K101 295 3,123 SH   SOLE   0 0 3,123
QUALCOMM INC COM 747525103 704 5,515 SH   SOLE   0 0 5,515
RAYTHEON TECHNOLOGIES CORP COM 75513E101 342 3,555 SH   SOLE   0 0 3,555
S&P GLOBAL INC COM 78409V104 463 1,374 SH   SOLE   0 0 1,374
SALESFORCE INC COM 79466L302 718 4,350 SH   SOLE   0 0 4,350
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,549 112,840 SH   SOLE   0 0 112,840
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 656 14,849 SH   SOLE   0 0 14,849
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 214 2,982 SH   SOLE   0 0 2,982
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 52,672 908,291 SH   SOLE   0 0 908,291
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 3,190 51,109 SH   SOLE   0 0 51,109
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 430 9,630 SH   SOLE   0 0 9,630
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,367 35,073 SH   SOLE   0 0 35,073
SEI INVTS CO COM 784117103 4,941 91,474 SH   SOLE   0 0 91,474
SNOWFLAKE INC CL A 833445109 216 1,553 SH   SOLE   0 0 1,553
SORRENTO THERAPEUTICS INC COM NEW 83587F202 22 11,146 SH   SOLE   0 0 11,146
SOUTHERN CO COM 842587107 307 4,308 SH   SOLE   0 0 4,308
SPDR S&P 500 ETF TR TR UNIT 78462F103 6,611 17,524 SH   SOLE   0 0 17,524
SPDR SER TR NUVEEN BLOOMBERG 78464A284 1,798 35,003 SH   SOLE   0 0 35,003
SPDR SER TR PRTFLO S&P500 VL 78464A508 437 11,876 SH   SOLE   0 0 11,876
TESLA INC COM 88160R101 1,040 1,545 SH   SOLE   0 0 1,545
TEXAS INSTRS INC COM 882508104 214 1,390 SH   SOLE   0 0 1,390
THERMO FISHER SCIENTIFIC INC COM 883556102 1,145 2,108 SH   SOLE   0 0 2,108
TJX COS INC NEW COM 872540109 425 7,608 SH   SOLE   0 0 7,608
UNION PAC CORP COM 907818108 610 2,860 SH   SOLE   0 0 2,860
UNITED PARCEL SERVICE INC CL B 911312106 449 2,458 SH   SOLE   0 0 2,458
UNITEDHEALTH GROUP INC COM 91324P102 599 1,166 SH   SOLE   0 0 1,166
US BANCORP DEL COM NEW 902973304 385 8,362 SH   SOLE   0 0 8,362
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 415 1,909 SH   SOLE   0 0 1,909
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 304 2,290 SH   SOLE   0 0 2,290
VANGUARD INDEX FDS GROWTH ETF 922908736 4,311 19,343 SH   SOLE   0 0 19,343
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,289 6,599 SH   SOLE   0 0 6,599
VANGUARD INDEX FDS SM CP VAL ETF 922908611 207 1,379 SH   SOLE   0 0 1,379
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,694 15,296 SH   SOLE   0 0 15,296
VANGUARD INDEX FDS SML CP GRW ETF 922908595 320 1,622 SH   SOLE   0 0 1,622
VANGUARD INDEX FDS TOTAL STK MKT 922908769 615 3,263 SH   SOLE   0 0 3,263
VANGUARD INDEX FDS VALUE ETF 922908744 42,099 319,223 SH   SOLE   0 0 319,223
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,968 119,271 SH   SOLE   0 0 119,271
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 7,222 42,032 SH   SOLE   0 0 42,032
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 415 2,894 SH   SOLE   0 0 2,894
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 1,224 30,003 SH   SOLE   0 0 30,003
VERISK ANALYTICS INC COM 92345Y106 513 2,961 SH   SOLE   0 0 2,961
VERIZON COMMUNICATIONS INC COM 92343V104 585 11,535 SH   SOLE   0 0 11,535
VIRTU FINL INC CL A 928254101 200 8,554 SH   SOLE   0 0 8,554
VISA INC COM CL A 92826C839 1,296 6,584 SH   SOLE   0 0 6,584
WESTERN ASSET EMERGING MKTS COM 95766A101 176 19,961 SH   SOLE   0 0 19,961
WISDOMTREE TR US QTLY DIV GRT 97717X669 365 6,369 SH   SOLE   0 0 6,369
WP CAREY INC COM 92936U109 287 3,467 SH   SOLE   0 0 3,467
XYLEM INC COM 98419M100 325 4,162 SH   SOLE   0 0 4,162
ZOETIS INC CL A 98978V103 676 3,933 SH   SOLE   0 0 3,933