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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMCOR PLC ORD G0250X107   222,989 23,132 SH   SOLE   0 0 23,132
LINDE PLC SHS G54950103   325,693 793 SH   SOLE   0 0 793
MEDTRONIC PLC SHS G5960L103   218,348 2,651 SH   SOLE   0 0 2,651
PENTAIR PLC SHS G7S00T104   366,749 5,044 SH   SOLE   0 0 5,044
CHUBB LIMITED COM H1467J104   259,000 1,146 SH   SOLE   0 0 1,146
AFLAC INC COM 001055102   286,495 3,473 SH   SOLE   0 0 3,473
ABBOTT LABS COM 002824100   306,774 2,787 SH   SOLE   0 0 2,787
ABBVIE INC COM 00287Y109   367,064 2,369 SH   SOLE   0 0 2,369
AIR PRODS & CHEMS INC COM 009158106   237,671 868 SH   SOLE   0 0 868
ALPHABET INC CAP STK CL C 02079K107   346,970 2,462 SH   SOLE   0 0 2,462
ALPHABET INC CAP STK CL A 02079K305   580,133 4,153 SH   SOLE   0 0 4,153
AMAZON COM INC COM 023135106   769,272 5,063 SH   SOLE   0 0 5,063
APPLE INC COM 037833100   1,341,649 6,969 SH   SOLE   0 0 6,969
ARCHER DANIELS MIDLAND CO COM 039483102   233,279 3,230 SH   SOLE   0 0 3,230
ATMOS ENERGY CORP COM 049560105   250,125 2,158 SH   SOLE   0 0 2,158
AUTOMATIC DATA PROCESSING IN COM 053015103   287,256 1,233 SH   SOLE   0 0 1,233
BECTON DICKINSON & CO COM 075887109   243,102 997 SH   SOLE   0 0 997
BENTLEY SYS INC COM CL B 08265T208   219,156 4,200 SH   SOLE   0 0 4,200
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   811,045 2,274 SH   SOLE   0 0 2,274
BROWN & BROWN INC COM 115236101   230,112 3,236 SH   SOLE   0 0 3,236
CARDINAL HEALTH INC COM 14149Y108   290,020 2,877 SH   SOLE   0 0 2,877
CATERPILLAR INC COM 149123101   302,484 1,023 SH   SOLE   0 0 1,023
CHEVRON CORP NEW COM 166764100   394,468 2,645 SH   SOLE   0 0 2,645
CHURCH & DWIGHT CO INC COM 171340102   254,130 2,688 SH   SOLE   0 0 2,688
CINCINNATI FINL CORP COM 172062101   757,913 7,326 SH   SOLE   0 0 7,326
CINTAS CORP COM 172908105   315,800 524 SH   SOLE   0 0 524
CLOROX CO DEL COM 189054109   258,174 1,811 SH   SOLE   0 0 1,811
COCA COLA CO COM 191216100   297,184 5,043 SH   SOLE   0 0 5,043
COLGATE PALMOLIVE CO COM 194162103   289,758 3,635 SH   SOLE   0 0 3,635
CONSOLIDATED EDISON INC COM 209115104   251,046 2,760 SH   SOLE   0 0 2,760
DBX ETF TR XTRACK USD HIGH 233051432   497,593 13,997 SH   SOLE   0 0 13,997
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   728,879 24,936 SH   SOLE   0 0 24,936
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   365,835 9,829 SH   SOLE   0 0 9,829
DOVER CORP COM 260003108   333,391 2,168 SH   SOLE   0 0 2,168
ECOLAB INC COM 278865100   285,136 1,438 SH   SOLE   0 0 1,438
EMERSON ELEC CO COM 291011104   334,244 3,434 SH   SOLE   0 0 3,434
ESSEX PPTY TR INC COM 297178105   256,137 1,033 SH   SOLE   0 0 1,033
EXPEDITORS INTL WASH INC COM 302130109   310,630 2,442 SH   SOLE   0 0 2,442
EXXON MOBIL CORP COM 30231G102   325,310 3,254 SH   SOLE   0 0 3,254
META PLATFORMS INC CL A 30303M102   619,076 1,749 SH   SOLE   0 0 1,749
FEDERAL RLTY INVT TR NEW SH BEN INT NEW 313745101   245,125 2,379 SH   SOLE   0 0 2,379
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   608,246 11,773 SH   SOLE   0 0 11,773
FLAHERTY & CRUMRINE DYNAMIC SHS 33848W106   818,720 46,125 SH   SOLE   0 0 46,125
FRANKLIN RESOURCES INC COM 354613101   258,320 8,671 SH   SOLE   0 0 8,671
GENERAL DYNAMICS CORP COM 369550108   399,903 1,540 SH   SOLE   0 0 1,540
GENUINE PARTS CO COM 372460105   262,254 1,894 SH   SOLE   0 0 1,894
GRAINGER W W INC COM 384802104   292,537 353 SH   SOLE   0 0 353
HOME DEPOT INC COM 437076102   229,763 663 SH   SOLE   0 0 663
HONEYWELL INTL INC COM 438516106   224,390 1,070 SH   SOLE   0 0 1,070
ILLINOIS TOOL WKS INC COM 452308109   363,311 1,387 SH   SOLE   0 0 1,387
INDEXIQ ETF TR FTSE INTERNL EQT 45409B560   234,624 9,434 SH   SOLE   0 0 9,434
INTERACTIVE BROKERS GROUP IN COM CL A 45841N107   216,618 2,613 SH   SOLE   0 0 2,613
INTERNATIONAL BUSINESS MACHS COM 459200101   428,996 2,623 SH   SOLE   0 0 2,623
INVESCO QQQ TR UNIT SER 1 46090E103   242,230 591 SH   SOLE   0 0 591
INVESCO EXCH TRADED FD TR II S&P INTL LOW 46138E230   286,179 10,159 SH   SOLE   0 0 10,159
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297   565,589 23,527 SH   SOLE   0 0 23,527
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   724,336 29,956 SH   SOLE   0 0 29,956
ISHARES INC EM MKTS DIV ETF 464286319   4,291,923 162,021 SH   SOLE   0 0 162,021
ISHARES TR GLOBAL 100 ETF 464287572   237,453 2,949 SH   SOLE   0 0 2,949
ISHARES TR CORE S&P SCP ETF 464287804   221,507 2,046 SH   SOLE   0 0 2,046
ISHARES TR NATIONAL MUN ETF 464288414   512,779 4,730 SH   SOLE   0 0 4,730
ISHARES TR ISHS 5-10YR INVT 464288638   797,628 15,339 SH   SOLE   0 0 15,339
ISHARES TR US OIL EQ&SV ETF 464288844   283,952 12,954 SH   SOLE   0 0 12,954
ISHARES TR FLTG RATE NT ETF 46429B655   241,862 4,778 SH   SOLE   0 0 4,778
ISHARES TR MSCI USA MIN VOL 46429B697   293,705 3,764 SH   SOLE   0 0 3,764
ISHARES TR CORE INTL AGGR 46435G672   527,108 10,585 SH   SOLE   0 0 10,585
JPMORGAN CHASE & CO COM 46625H100   229,295 1,348 SH   SOLE   0 0 1,348
JOHNSON & JOHNSON COM 478160104   411,208 2,624 SH   SOLE   0 0 2,624
KIMBERLY-CLARK CORP COM 494368103   234,940 1,934 SH   SOLE   0 0 1,934
LISTED FD TR ROUNDHILL BALL 53656F417   880,515 76,500 SH   SOLE   0 0 76,500
LOWES COS INC COM 548661107   387,460 1,741 SH   SOLE   0 0 1,741
MCCORMICK & CO INC COM NON VTG 579780206   218,739 3,197 SH   SOLE   0 0 3,197
MCDONALDS CORP COM 580135101   326,458 1,101 SH   SOLE   0 0 1,101
MICROSOFT CORP COM 594918104   1,522,972 4,050 SH   SOLE   0 0 4,050
NEXTERA ENERGY INC COM 65339F101   239,437 3,942 SH   SOLE   0 0 3,942
NORDSON CORP COM 655663102   251,216 951 SH   SOLE   0 0 951
NORTHERN LTS FD TR IV INSPIRE 100 ETF 66538H534   1,970,559 56,463 SH   SOLE   0 0 56,463
NORTHERN LTS FD TR IV INSPIRE SML/ MID 66538H641   455,036 13,115 SH   SOLE   0 0 13,115
NUCOR CORP COM 670346105   326,064 1,874 SH   SOLE   0 0 1,874
NVIDIA CORPORATION COM 67066G104   660,215 1,333 SH   SOLE   0 0 1,333
PPG INDS INC COM 693506107   315,999 2,113 SH   SOLE   0 0 2,113
PEPSICO INC COM 713448108   316,837 1,866 SH   SOLE   0 0 1,866
PIMCO ETF TR INTER MUN BD ACT 72201R866   980,971 18,579 SH   SOLE   0 0 18,579
PRICE T ROWE GROUP INC COM 74144T108   229,218 2,129 SH   SOLE   0 0 2,129
PROCTER AND GAMBLE CO COM 742718109   376,682 2,571 SH   SOLE   0 0 2,571
REALTY INCOME CORP COM 756109104   314,977 5,486 SH   SOLE   0 0 5,486
ROPER TECHNOLOGIES INC COM 776696106   277,492 509 SH   SOLE   0 0 509
S&P GLOBAL INC COM 78409V104   314,091 713 SH   SOLE   0 0 713
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,806,335 10,112 SH   SOLE   0 0 10,112
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   2,613,049 73,794 SH   SOLE   0 0 73,794
SPDR SER TR NUVEEN BLOOMBERG 78464A284   729,020 28,815 SH   SOLE   0 0 28,815
SPDR SER TR PORTFOLIO SHORT 78464A474   3,505,300 117,707 SH   SOLE   0 0 117,707
SPDR SER TR BLOOMBERG INVT 78468R200   572,874 18,728 SH   SOLE   0 0 18,728
SPDR SER TR PORTFLI HIGH YLD 78468R606   2,003,315 85,685 SH   SOLE   0 0 85,685
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   3,062,844 33,514 SH   SOLE   0 0 33,514
SPDR SER TR BLOOMBERG 1 10 Y 78468R861   278,237 14,967 SH   SOLE   0 0 14,967
SAIA INC COM 78709Y105   216,919 495 SH   SOLE   0 0 495
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   978,928 11,800 SH   SOLE   0 0 11,800
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   215,491 2,861 SH   SOLE   0 0 2,861
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   218,741 4,692 SH   SOLE   0 0 4,692
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   415,556 8,577 SH   SOLE   0 0 8,577
SCHWAB STRATEGIC TR US TIPS ETF 808524870   568,406 10,889 SH   SOLE   0 0 10,889
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   213,906 5,689 SH   SOLE   0 0 5,689
SHERWIN WILLIAMS CO COM 824348106   466,914 1,497 SH   SOLE   0 0 1,497
SMITH A O CORP COM 831865209   281,257 3,412 SH   SOLE   0 0 3,412
STANLEY BLACK & DECKER INC COM 854502101   248,880 2,537 SH   SOLE   0 0 2,537
SYSCO CORP COM 871829107   308,828 4,223 SH   SOLE   0 0 4,223
TARGET CORP COM 87612E106   286,335 2,011 SH   SOLE   0 0 2,011
3M CO COM 88579Y101   270,075 2,471 SH   SOLE   0 0 2,471
UNITEDHEALTH GROUP INC COM 91324P102   235,340 447 SH   SOLE   0 0 447
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387   404,182 18,264 SH   SOLE   0 0 18,264
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   456,292 4,172 SH   SOLE   0 0 4,172
VANGUARD BD INDEX FDS INTERMED TERM 921937819   8,243,464 107,927 SH   SOLE   0 0 107,927
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   4,443,714 56,009 SH   SOLE   0 0 56,009
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   1,339,260 21,008 SH   SOLE   0 0 21,008
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   277,384 6,749 SH   SOLE   0 0 6,749
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   3,629,729 44,657 SH   SOLE   0 0 44,657
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,057,399 20,713 SH   SOLE   0 0 20,713
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   217,363 498 SH   SOLE   0 0 498
VANGUARD INDEX FDS SML CP GRW ETF 922908595   367,732 1,521 SH   SOLE   0 0 1,521
VANGUARD INDEX FDS SM CP VAL ETF 922908611   301,394 1,675 SH   SOLE   0 0 1,675
VANGUARD INDEX FDS GROWTH ETF 922908736   243,108 782 SH   SOLE   0 0 782
VANGUARD INDEX FDS VALUE ETF 922908744   268,134 1,794 SH   SOLE   0 0 1,794
VANGUARD INDEX FDS SMALL CP ETF 922908751   269,862 1,265 SH   SOLE   0 0 1,265
VISA INC COM CL A 92826C839   616,248 2,367 SH   SOLE   0 0 2,367
WALMART INC COM 931142103   491,159 3,116 SH   SOLE   0 0 3,116
WALGREENS BOOTS ALLIANCE INC COM 931427108   246,191 9,429 SH   SOLE   0 0 9,429
WEST PHARMACEUTICAL SVSC INC COM 955306105   267,259 759 SH   SOLE   0 0 759
WILLSCOT MOBIL MINI HLDNG CO COM CL A 971378104   300,197 6,746 SH   SOLE   0 0 6,746
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   519,281 10,336 SH   SOLE   0 0 10,336