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
3M CO COM SHS 88579Y119   364,457 3,436 SH   SOLE   0 0 3,436
ABBOTT LABS COM 002824100   858,019 7,549 SH   SOLE   0 0 7,549
ABBVIE INC COM 00287Y109   443,049 2,433 SH   SOLE   0 0 2,433
ALPHABET INC CAP STK CL C 02079K107   457,980 3,008 SH   SOLE   0 0 3,008
ALPHABET INC CAP STK CL A 02079K305   2,535,322 16,798 SH   SOLE   0 0 16,798
AMAZON COM INC COM 023135106   2,583,641 14,335 SH   SOLE   0 0 14,335
AMERICAN ELEC PWR CO INC COM 025537101   518,007 6,016 SH   SOLE   0 0 6,016
AMERICAN EXPRESS CO COM 025816109   457,817 2,011 SH   SOLE   0 0 2,011
APPLE INC COM 037833100   6,902,258 40,251 SH   SOLE   0 0 40,251
BANK AMERICA CORP COM 060505104   1,182,649 31,188 SH   SOLE   0 0 31,188
BANK NEW YORK MELLON CORP COM 064058100   582,020 10,101 SH   SOLE   0 0 10,101
BECTON DICKINSON & CO COM 075887109   1,354,294 5,473 SH   SOLE   0 0 5,473
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   746,423 1,775 SH   SOLE   0 0 1,775
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   1,512,220 34,059 SH   SOLE   0 0 34,059
BLACKROCK ETF TRUST II FLEXIBLE INCOME 092528603   477,858 9,109 SH   SOLE   0 0 9,109
BRISTOL-MYERS SQUIBB CO COM 110122108   1,140,240 21,026 SH   SOLE   0 0 21,026
BROADCOM INC COM 11135F101   307,495 232 SH   SOLE   0 0 232
CAPITAL ONE FINL CORP COM 14040H105   389,496 2,616 SH   SOLE   0 0 2,616
CARLISLE COS INC COM 142339100   933,387 2,382 SH   SOLE   0 0 2,382
CATERPILLAR INC COM 149123101   406,371 1,109 SH   SOLE   0 0 1,109
CHEVRON CORP NEW COM 166764100   2,603,285 16,504 SH   SOLE   0 0 16,504
CHUBB LIMITED COM H1467J104   1,075,389 4,150 SH   SOLE   0 0 4,150
CISCO SYS INC COM 17275R102   1,108,044 22,204 SH   SOLE   0 0 22,204
CITIGROUP INC COM NEW 172967424   943,794 14,924 SH   SOLE   0 0 14,924
COCA COLA CO COM 191216100   861,965 14,089 SH   SOLE   0 0 14,089
COLGATE PALMOLIVE CO COM 194162103   202,342 2,247 SH   SOLE   0 0 2,247
COMCAST CORP NEW CL A 20030N101   205,249 4,735 SH   SOLE   0 0 4,735
CONAGRA BRANDS INC COM 205887102   891,897 30,091 SH   SOLE   0 0 30,091
CONOCOPHILLIPS COM 20825C104   960,455 7,546 SH   SOLE   0 0 7,546
CRANE COMPANY COMMON STOCK 224408104   205,803 1,523 SH   SOLE   0 0 1,523
CROWN CASTLE INC COM 22822V101   476,447 4,502 SH   SOLE   0 0 4,502
CVS HEALTH CORP COM 126650100   864,279 10,836 SH   SOLE   0 0 10,836
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   9,442,156 165,710 SH   SOLE   0 0 165,710
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   3,660,027 148,059 SH   SOLE   0 0 148,059
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   4,755,752 157,371 SH   SOLE   0 0 157,371
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   7,669,789 240,056 SH   SOLE   0 0 240,056
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   1,288,456 20,668 SH   SOLE   0 0 20,668
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   7,841,504 186,925 SH   SOLE   0 0 186,925
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   207,061 7,686 SH   SOLE   0 0 7,686
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   1,831,361 38,932 SH   SOLE   0 0 38,932
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   612,688 16,672 SH   SOLE   0 0 16,672
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   217,322 7,220 SH   SOLE   0 0 7,220
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716   240,870 7,000 SH   SOLE   0 0 7,000
DISNEY WALT CO COM 254687106   1,312,189 10,724 SH   SOLE   0 0 10,724
DUKE ENERGY CORP NEW COM NEW 26441C204   1,180,055 12,202 SH   SOLE   0 0 12,202
EATON CORP PLC SHS G29183103   244,203 781 SH   SOLE   0 0 781
ECOLAB INC COM 278865100   250,527 1,085 SH   SOLE   0 0 1,085
ELI LILLY & CO COM 532457108   3,267,432 4,200 SH   SOLE   0 0 4,200
EMERSON ELEC CO COM 291011104   1,404,140 12,380 SH   SOLE   0 0 12,380
ENBRIDGE INC COM 29250N105   781,850 21,610 SH   SOLE   0 0 21,610
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   1,038,290 66,007 SH   SOLE   0 0 66,007
ENTERGY CORP NEW COM 29364G103   891,834 8,439 SH   SOLE   0 0 8,439
EVERSOURCE ENERGY COM 30040W108   871,148 14,575 SH   SOLE   0 0 14,575
EXXON MOBIL CORP COM 30231G102   3,245,710 27,922 SH   SOLE   0 0 27,922
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   1,100,799 21,433 SH   SOLE   0 0 21,433
FIRST TR EXCH TRADED FD III INSTL PFD SECS 33739P855   2,042,644 112,110 SH   SOLE   0 0 112,110
FIRST TR EXCH TRADED FD III SHRT DUR MNG MUN 33739P830   616,869 31,100 SH   SOLE   0 0 31,100
FORD MTR CO DEL COM 345370860   360,834 27,171 SH   SOLE   0 0 27,171
GATX CORP COM 361448103   235,893 1,760 SH   SOLE   0 0 1,760
GENERAL ELECTRIC CO COM 369604137   216,955 1,236 SH   SOLE   0 0 1,236
GENERAL MTRS CO COM 37045V100   781,653 17,236 SH   SOLE   0 0 17,236
GSK PLC SPONSORED ADR 37733W204   593,278 13,839 SH   SOLE   0 0 13,839
HOME DEPOT INC COM 437076102   429,248 1,119 SH   SOLE   0 0 1,119
INTEL CORP COM 458140100   929,729 21,207 SH   SOLE   0 0 21,207
INTERNATIONAL BUSINESS MACHS COM 459200101   1,949,629 10,210 SH   SOLE   0 0 10,210
INVESCO QQQ TR UNIT SER 1 46090E103   247,314 557 SH   SOLE   0 0 557
ISHARES INC CORE MSCI EMKT 46434G103   267,680 5,188 SH   SOLE   0 0 5,188
ISHARES INC MSCI EMRG CHN 46434G764   565,683 9,826 SH   SOLE   0 0 9,826
ISHARES TR ESG AWR MSCI USA 46435G425   698,727 6,078 SH   SOLE   0 0 6,078
ISHARES TR EAFE GRWTH ETF 464288885   1,105,709 10,653 SH   SOLE   0 0 10,653
ISHARES TR EAFE VALUE ETF 464288877   1,281,220 23,552 SH   SOLE   0 0 23,552
ISHARES TR MSCI USA QLT FCT 46432F339   2,125,632 12,934 SH   SOLE   0 0 12,934
ISHARES TR US INFRASTRUC 46435U713   217,164 5,008 SH   SOLE   0 0 5,008
ISHARES TR U.S. TECH ETF 464287721   903,873 6,692 SH   SOLE   0 0 6,692
ISHARES TR CORE S&P TTL STK 464287150   4,655,633 40,378 SH   SOLE   0 0 40,378
ISHARES TR S&P 500 GRWT ETF 464287309   1,205,212 14,273 SH   SOLE   0 0 14,273
ISHARES TR 20 YR TR BD ETF 464287432   716,552 7,573 SH   SOLE   0 0 7,573
ISHARES TR CORE TOTAL USD 46434V613   2,697,967 59,179 SH   SOLE   0 0 59,179
ISHARES TR HDG MSCI EAFE 46434V803   429,338 12,309 SH   SOLE   0 0 12,309
ISHARES TR GLOBAL ENERG ETF 464287341   260,406 6,063 SH   SOLE   0 0 6,063
ISHARES TR MBS ETF 464288588   1,153,784 12,484 SH   SOLE   0 0 12,484
ISHARES TR S&P 500 VAL ETF 464287408   975,335 5,221 SH   SOLE   0 0 5,221
ISHARES TR JPMORGAN USD EMG 464288281   228,120 2,544 SH   SOLE   0 0 2,544
ISHARES TR CORE MSCI EAFE 46432F842   911,644 12,283 SH   SOLE   0 0 12,283
ISHARES TR CORE S&P500 ETF 464287200   453,705 863 SH   SOLE   0 0 863
ISHARES TR CORE S&P MCP ETF 464287507   480,453 7,910 SH   SOLE   0 0 7,910
ISHARES TR US TREAS BD ETF 46429B267   273,308 12,003 SH   SOLE   0 0 12,003
ISHARES TR SHRT NAT MUN ETF 464288158   382,683 3,654 SH   SOLE   0 0 3,654
ISHARES TR S&P 100 ETF 464287101   671,471 2,714 SH   SOLE   0 0 2,714
ISHARES TR NATIONAL MUN ETF 464288414   443,958 4,126 SH   SOLE   0 0 4,126
ISHARES TR NEW YORK MUN ETF 464288323   612,035 11,374 SH   SOLE   0 0 11,374
ISHARES TR CORE S&P US VLU 464287663   1,808,800 20,000 SH   SOLE   0 0 20,000
ISHARES U S ETF TR U.S. TECH INDEPD 46431W648   1,770,000 25,000 SH   SOLE   0 0 25,000
J P MORGAN EXCHANGE TRADED F ACTIVE GROWTH 46654Q609   427,368 6,087 SH   SOLE   0 0 6,087
J P MORGAN EXCHANGE TRADED F ACTIVE VALUE ETF 46641Q167   393,597 6,572 SH   SOLE   0 0 6,572
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q241   401,454 8,752 SH   SOLE   0 0 8,752
J P MORGAN EXCHANGE TRADED F BETABUILDRS US 46641Q399   995,292 10,540 SH   SOLE   0 0 10,540
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q340   212,450 2,298 SH   SOLE   0 0 2,298
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   215,920 4,629 SH   SOLE   0 0 4,629
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   714,069 14,154 SH   SOLE   0 0 14,154
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   345,032 6,800 SH   SOLE   0 0 6,800
JOHNSON & JOHNSON COM 478160104   3,789,125 23,953 SH   SOLE   0 0 23,953
JPMORGAN CHASE & CO COM 46625H100   4,551,771 22,725 SH   SOLE   0 0 22,725
KROGER CO COM 501044101   247,316 4,329 SH   SOLE   0 0 4,329
MASTERCARD INCORPORATED CL A 57636Q104   1,273,753 2,645 SH   SOLE   0 0 2,645
MEDTRONIC PLC SHS G5960L103   584,777 6,710 SH   SOLE   0 0 6,710
MERCK & CO INC COM 58933Y105   4,662,001 35,332 SH   SOLE   0 0 35,332
META PLATFORMS INC CL A 30303M102   1,467,423 3,022 SH   SOLE   0 0 3,022
MICROSOFT CORP COM 594918104   5,641,886 13,410 SH   SOLE   0 0 13,410
NEXTERA ENERGY INC COM 65339F101   653,096 10,219 SH   SOLE   0 0 10,219
NVIDIA CORPORATION COM 67066G104   646,912 716 SH   SOLE   0 0 716
PEPSICO INC COM 713448108   1,090,732 6,232 SH   SOLE   0 0 6,232
PFIZER INC COM 717081103   949,050 34,200 SH   SOLE   0 0 34,200
PHILIP MORRIS INTL INC COM 718172109   817,342 8,921 SH   SOLE   0 0 8,921
PHILLIPS 66 COM 718546104   1,025,939 6,281 SH   SOLE   0 0 6,281
PROCTER AND GAMBLE CO COM 742718109   3,877,775 23,900 SH   SOLE   0 0 23,900
PROSPECT CAP CORP NOTE 6.375% 3/0 74348TAT9   35,214 35,000 SH   SOLE   0 0 35,000
PRUDENTIAL FINL INC COM 744320102   1,237,440 10,540 SH   SOLE   0 0 10,540
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   722,894 10,825 SH   SOLE   0 0 10,825
REALTY INCOME CORP COM 756109104   635,946 11,755 SH   SOLE   0 0 11,755
RTX CORPORATION COM 75513E101   2,388,802 24,493 SH   SOLE   0 0 24,493
SCHWAB CHARLES CORP COM 808513105   572,860 7,919 SH   SOLE   0 0 7,919
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   2,237,001 48,630 SH   SOLE   0 0 48,630
SELECT SECTOR SPDR TR ENERGY 81369Y506   2,729,110 28,907 SH   SOLE   0 0 28,907
SHELL PLC SPON ADS 780259305   285,724 4,262 SH   SOLE   0 0 4,262
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,447,721 2,768 SH   SOLE   0 0 2,768
SPDR SER TR PORTFOLIO S&P500 78464A854   9,107,969 148,025 SH   SOLE   0 0 148,025
SPDR SER TR PORTFOLI S&P1500 78464A805   987,204 15,389 SH   SOLE   0 0 15,389
SPDR SER TR S&P DIVID ETF 78464A763   554,340 4,224 SH   SOLE   0 0 4,224
STELLANTIS N.V SHS N82405106   280,566 9,914 SH   SOLE   0 0 9,914
TARGET CORP COM 87612E106   519,934 2,934 SH   SOLE   0 0 2,934
TESLA INC COM 88160R101   234,680 1,335 SH   SOLE   0 0 1,335
TILRAY BRANDS INC COM 88688T100   24,700 10,000 SH   SOLE   0 0 10,000
TJX COS INC NEW COM 872540109   1,827,487 18,019 SH   SOLE   0 0 18,019
TRAVELERS COMPANIES INC COM 89417E109   1,029,877 4,475 SH   SOLE   0 0 4,475
UNION PAC CORP COM 907818108   1,277,114 5,193 SH   SOLE   0 0 5,193
UNITED PARCEL SERVICE INC CL B 911312106   632,569 4,256 SH   SOLE   0 0 4,256
UNITEDHEALTH GROUP INC COM 91324P102   1,082,404 2,188 SH   SOLE   0 0 2,188
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   1,010,233 13,967 SH   SOLE   0 0 13,967
VANGUARD INDEX FDS TOTAL STK MKT 922908769   258,341 994 SH   SOLE   0 0 994
VANGUARD INDEX FDS GROWTH ETF 922908736   3,403,305 9,888 SH   SOLE   0 0 9,888
VANGUARD INDEX FDS SML CP GRW ETF 922908595   344,734 1,322 SH   SOLE   0 0 1,322
VANGUARD INDEX FDS VALUE ETF 922908744   1,352,254 8,303 SH   SOLE   0 0 8,303
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   553,412 10,937 SH   SOLE   0 0 10,937
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623   256,230 1,300 SH   SOLE   0 0 1,300
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   969,922 5,311 SH   SOLE   0 0 5,311
VERIZON COMMUNICATIONS INC COM 92343V104   1,784,201 42,521 SH   SOLE   0 0 42,521
WALMART INC COM 931142103   1,539,991 25,594 SH   SOLE   0 0 25,594
WEBSTER FINL CORP COM 947890109   501,963 9,887 SH   SOLE   0 0 9,887
WHITE MTNS INS GROUP LTD COM G9618E107   1,666,905 929 SH   SOLE   0 0 929