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
ALLSTATE CORP COM COM 020002101 1 11 SH   SOLE NONE 0 0 11
ALPHABET INC CAP STK CL A CAP STK CL A 02079K305 30 14 SH   SOLE NONE 0 0 14
ALPHABET INC CAP STK CL C CAP STK CL C 02079K107 26 12 SH   SOLE NONE 0 0 12
AMAZON COM INC COM COM 023135106 380 3,580 SH   SOLE NONE 0 0 3,580
AMERICAN TOWER CORP NEW COM COM 03027X100 5 19 SH   SOLE NONE 0 0 19
APPLE INC COM COM 037833100 107 783 SH   SOLE NONE 0 0 783
AT&T INC COM COM 00206R102 21 1,012 SH   SOLE NONE 0 0 1,012
BJS WHSL CLUB HLDGS INC COM COM 05550J101 6 97 SH   SOLE NONE 0 0 97
BLACKROCK SHORT MATURITY BOND ETF BLACKROCK ST MAT 46431W507 1,167 23,710 SH   SOLE NONE 0 0 23,710
COMCAST CORP NEW CL A CL A 20030N101 9 241 SH   SOLE NONE 0 0 241
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND SBI CONS DISCR 81369Y407 20 147 SH   SOLE NONE 0 0 147
CVS HEALTH CORP COM COM 126650100 22 242 SH   SOLE NONE 0 0 242
DISCOVER FINL SVCS COM COM 254709108 2 24 SH   SOLE NONE 0 0 24
EATON CORP PLC SHS SHS G29183103 7 60 SH   SOLE NONE 0 0 60
EXXON MOBIL CORP COM COM 30231G102 540 6,313 SH   SOLE NONE 0 0 6,313
GENERAL DYNAMICS CORP COM COM 369550108 11 53 SH   SOLE NONE 0 0 53
HEALTH CARE SELECT SECTOR SPDR FUND SBI HEALTHCARE 81369Y209 97 759 SH   SOLE NONE 0 0 759
INVESCO QQQ TRUST UNIT SER 1 46090E103 10,260 36,607 SH   SOLE NONE 0 0 36,607
INVESCO S&P 500 EQUAL WEIGHT ETF S&P500 EQL WGT 46137V357 4,208 31,349 SH   SOLE NONE 0 0 31,349
INVESCO S&P 500 LOW VOLATILITY ETF S&P500 LOW VOL 46138E354 59 959 SH   SOLE NONE 0 0 959
INVESCO S&P 500 TOP 50 ETF S&P 500 TOP 50 46137V233 616 2,151 SH   SOLE NONE 0 0 2,151
ISHARES BROAD USD HIGH YIELD CORPORATE BOND ETF BROAD USD HIGH 46435U853 2 75 SH   SOLE NONE 0 0 75
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 0 4 SH   SOLE NONE 0 0 4
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 6,104 124,428 SH   SOLE NONE 0 0 124,428
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 2,183 5,758 SH   SOLE NONE 0 0 5,758
ISHARES CORE U.S. AGGREGATE BOND ETF CORE US AGGBD ET 464287226 4 45 SH   SOLE NONE 0 0 45
ISHARES ESG AWARE 1-5 YEAR USD CORPORATE BOND ETF ESG AWRE 1 5 YR 46435G243 77 3,222 SH   SOLE NONE 0 0 3,222
ISHARES ESG AWARE U.S. AGGREGATE BOND ETF ESG AWR US AGRGT 46435U549 48 989 SH   SOLE NONE 0 0 989
ISHARES ESG AWARE USD CORPORATE BOND ETF ESG AWRE USD ETF 46435G193 56 2,420 SH   SOLE NONE 0 0 2,420
ISHARES ESG MSCI USA LEADERS ETF ESG MSCI LEADR 46435U218 52 796 SH   SOLE NONE 0 0 796
ISHARES GLOBAL CONSUMER STAPLES ETF GLB CNSM STP ETF 464288737 306 5,305 SH   SOLE NONE 0 0 5,305
ISHARES IBOXX HIGH YIELD CORPORATE BOND ETF IBOXX HI YD ETF 464288513 6,754 91,762 SH   SOLE NONE 0 0 91,762
ISHARES MSCI USA ESG SELECT ETF MSCI USA ESG SLC 464288802 50 632 SH   SOLE NONE 0 0 632
ISHARES MSCI USA MIN VOL FACTOR ETF MSCI USA MIN VOL 46429B697 10,990 156,538 SH   SOLE NONE 0 0 156,538
ISHARES S&P MID-CAP 400 GROWTH ETF S&P MC 400GR ETF 464287606 1,970 30,914 SH   SOLE NONE 0 0 30,914
ISHARES S&P MIDCAP FUND CORE S&P MCP ETF 464287507 196 869 SH   SOLE NONE 0 0 869
ISHARES S&P SMALL-CAP FUND CORE S&P SCP ETF 464287804 63 683 SH   SOLE NONE 0 0 683
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 3 31 SH   SOLE NONE 0 0 31
LOCKHEED MARTIN CORP COM COM 539830109 12 28 SH   SOLE NONE 0 0 28
MCDONALDS CORP COM COM 580135101 8 35 SH   SOLE NONE 0 0 35
META PLATFORMS INC CL A CL A 30303M102 21 133 SH   SOLE NONE 0 0 133
MICROSOFT CORP COM COM 594918104 82 319 SH   SOLE NONE 0 0 319
MODERNA INC COM COM 60770K107 17 120 SH   SOLE NONE 0 0 120
MORGAN STANLEY COM NEW COM NEW 617446448 1 26 SH   SOLE NONE 0 0 26
NATURAL ORDER ACQUISITION CORP UNIT EX UNIT 99/99/9999 63889L206 23 2,336 SH   SOLE NONE 0 0 2,336
PFIZER INC COM COM 717081103 11 215 SH   SOLE NONE 0 0 215
PRINCIPAL MILLENNIALS ETF PRIN MILLENNIALS 74255Y508 51 1,320 SH   SOLE NONE 0 0 1,320
PUBLIC SVC ENTERPRISE GRP INC COM COM 744573106 117 1,851 SH   SOLE NONE 0 0 1,851
QUEST DIAGNOSTICS INC COM COM 74834L100 6 52 SH   SOLE NONE 0 0 52
SCHWAB EMERGING MARKETS EQUITY ETF EMRG MKTEQ ETF 808524706 145 5,722 SH   SOLE NONE 0 0 5,722
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 582 18,537 SH   SOLE NONE 0 0 18,537
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797 268 3,743 SH   SOLE NONE 0 0 3,743
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF PORTFOLI S&P1500 78464A805 194 4,184 SH   SOLE NONE 0 0 4,184
SPDR S&P 500 ETF TR UNIT 78462F103 144 384 SH   SOLE NONE 0 0 384
SPDR S&P MIDCAP 400 ETF UTSER1 S&PDCRP 78467Y107 1,647 3,983 SH   SOLE NONE 0 0 3,983
UNITED PARCEL SERVICE INC CL B CL B 911312106 388 2,128 SH   SOLE NONE 0 0 2,128
VANECK MORNINGSTAR WIDE MOAT ETF MRNGSTR WDE MOAT 92189F643 10,726 168,313 SH   SOLE NONE 0 0 168,313
VANGUARD DIVIDEND APPRECIATION INDEX FUND DIV APP ETF 921908844 1,256 8,760 SH   SOLE NONE 0 0 8,760
VANGUARD FTSE DEVELOPED MARKETS ETF VAN FTSE DEV MKT 921943858 66 1,635 SH   SOLE NONE 0 0 1,635
VANGUARD FTSE EMERGING MARKETS ETF FTSE EMR MKT ETF 922042858 27 661 SH   SOLE NONE 0 0 661
VANGUARD FTSE PACIFIC ETF FTSE PACIFIC ETF 922042866 439 6,920 SH   SOLE NONE 0 0 6,920
VANGUARD HIGH DIVIDEND YIELD ETF HIGH DIV YLD 921946406 9,196 90,423 SH   SOLE NONE 0 0 90,423
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND INTERMED TERM 921937819 10,207 131,453 SH   SOLE NONE 0 0 131,453
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF INT-TERM CORP 92206C870 99 1,239 SH   SOLE NONE 0 0 1,239
VANGUARD MID-CAP INDEX FUND MID CAP ETF 922908629 5 30 SH   SOLE NONE 0 0 30
VANGUARD MID-CAP VALUE INDEX FUND MCAP VL IDXVIP 922908512 101 784 SH   SOLE NONE 0 0 784
VANGUARD REAL ESTATE ETF REAL ESTATE ETF 922908553 34 383 SH   SOLE NONE 0 0 383
VANGUARD SHORT-TERM BOND INDEX FUND SHORT TRM BOND 921937827 9,663 125,843 SH   SOLE NONE 0 0 125,843
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND SHRT TRM CORP BD 92206C409 705 9,251 SH   SOLE NONE 0 0 9,251
VANGUARD TOTAL BOND MARKET INDEX FUND TOTAL BND MRKT 921937835 7,736 102,803 SH   SOLE NONE 0 0 102,803
VANGUARD TOTAL INTERNATIONAL BOND ETF TOTAL INT BD ETF 92203J407 24 489 SH   SOLE NONE 0 0 489
VANGUARD TOTAL STOCK MARKET INDEX FUND TOTAL STK MKT 922908769 243 1,289 SH   SOLE NONE 0 0 1,289
VANGUARD ULTRA-SHORT BOND ETF VANGUARD ULTRA 92203C303 188 3,841 SH   SOLE NONE 0 0 3,841
VANGUARD VALUE INDEX FUND VALUE ETF 922908744 25 191 SH   SOLE NONE 0 0 191
VERIZON COMMUNICATIONS INC COM COM 92343V104 85 1,689 SH   SOLE NONE 0 0 1,689
VIATRIS INC COM COM 92556V106 0 26 SH   SOLE NONE 0 0 26
WARNER BROS DISCOVERY INC COM SER A COM SER A 934423104 3 241 SH   SOLE NONE 0 0 241
WISDOMTREE EUROPE HEDGED EQUITY FUND EUROPE HEDGED EQ 97717X701 98 1,501 SH   SOLE NONE 0 0 1,501
WP CAREY INC COM COM 92936U109 8 100 SH   SOLE NONE 0 0 100