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
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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 88579Y101   347,650 3,402 SH   SOLE   0 0 3,402
ABBOTT LABS COM 002824100   233,174 2,244 SH   SOLE   0 0 2,244
ABBVIE INC COM 00287Y109   411,991 2,402 SH   SOLE   0 0 2,402
ALPHABET INC CAP STK CL C 02079K107   551,544 3,007 SH   SOLE   0 0 3,007
ALPHABET INC CAP STK CL A 02079K305   949,002 5,210 SH   SOLE   0 0 5,210
AMAZON COM INC COM 023135106   1,271,585 6,580 SH   SOLE   0 0 6,580
AMERICAN EXPRESS CO COM 025816109   469,413 2,027 SH   SOLE   0 0 2,027
APPLE INC COM 037833100   7,149,951 33,947 SH   SOLE   0 0 33,947
BANK AMERICA CORP COM 060505104   264,113 6,641 SH   SOLE   0 0 6,641
BECTON DICKINSON & CO COM 075887109   1,277,459 5,466 SH   SOLE   0 0 5,466
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   648,846 1,595 SH   SOLE   0 0 1,595
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   1,788,461 38,101 SH   SOLE   0 0 38,101
BLACKROCK ETF TRUST II FLEXIBLE INCOME 092528603   518,711 9,937 SH   SOLE   0 0 9,937
BRISTOL-MYERS SQUIBB CO COM 110122108   304,249 7,326 SH   SOLE   0 0 7,326
BROADCOM INC COM 11135F101   419,043 261 SH   SOLE   0 0 261
CAPITAL ONE FINL CORP COM 14040H105   364,400 2,632 SH   SOLE   0 0 2,632
CARLISLE COS INC COM 142339100   966,426 2,385 SH   SOLE   0 0 2,385
CATERPILLAR INC COM 149123101   372,739 1,119 SH   SOLE   0 0 1,119
CHEVRON CORP NEW COM 166764100   664,628 4,249 SH   SOLE   0 0 4,249
CISCO SYS INC COM 17275R102   341,734 7,193 SH   SOLE   0 0 7,193
COCA COLA CO COM 191216100   454,652 7,143 SH   SOLE   0 0 7,143
COLGATE PALMOLIVE CO COM 194162103   225,618 2,325 SH   SOLE   0 0 2,325
CONAGRA BRANDS INC COM 205887102   856,522 30,138 SH   SOLE   0 0 30,138
CRANE COMPANY COMMON STOCK 224408104   222,254 1,533 SH   SOLE   0 0 1,533
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   3,908,291 151,074 SH   SOLE   0 0 151,074
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   4,861,740 163,860 SH   SOLE   0 0 163,860
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   7,670,298 237,912 SH   SOLE   0 0 237,912
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   1,868,295 31,097 SH   SOLE   0 0 31,097
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   7,814,939 188,130 SH   SOLE   0 0 188,130
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   296,258 11,256 SH   SOLE   0 0 11,256
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   9,810,844 166,709 SH   SOLE   0 0 166,709
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   246,951 9,882 SH   SOLE   0 0 9,882
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   1,798,442 38,265 SH   SOLE   0 0 38,265
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   566,327 15,758 SH   SOLE   0 0 15,758
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   207,676 7,216 SH   SOLE   0 0 7,216
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716   242,207 6,948 SH   SOLE   0 0 6,948
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   295,657 11,246 SH   SOLE   0 0 11,246
EATON CORP PLC SHS G29183103   242,374 773 SH   SOLE   0 0 773
ECOLAB INC COM 278865100   260,848 1,096 SH   SOLE   0 0 1,096
ELI LILLY & CO COM 532457108   2,003,606 2,213 SH   SOLE   0 0 2,213
EMERSON ELEC CO COM 291011104   416,295 3,779 SH   SOLE   0 0 3,779
EXXON MOBIL CORP COM 30231G102   1,881,014 16,340 SH   SOLE   0 0 16,340
FIRST TR EXCH TRADED FD III INSTL PFD SECS 33739P855   2,086,823 113,599 SH   SOLE   0 0 113,599
FIRST TR EXCHANGE-TRADED FD MANAGD MUN ETF 33739N108   1,088,650 21,321 SH   SOLE   0 0 21,321
FORD MTR CO DEL COM 345370860   347,692 27,727 SH   SOLE   0 0 27,727
GATX CORP COM 361448103   232,292 1,755 SH   SOLE   0 0 1,755
GE AEROSPACE COM NEW 369604301   205,866 1,295 SH   SOLE   0 0 1,295
HOME DEPOT INC COM 437076102   394,499 1,146 SH   SOLE   0 0 1,146
INTERNATIONAL BUSINESS MACHS COM 459200101   838,021 4,845 SH   SOLE   0 0 4,845
ISHARES INC CORE MSCI EMKT 46434G103   647,379 12,094 SH   SOLE   0 0 12,094
ISHARES INC MSCI EMRG CHN 46434G764   603,781 10,199 SH   SOLE   0 0 10,199
ISHARES TR ESG AWR MSCI USA 46435G425   725,466 6,080 SH   SOLE   0 0 6,080
ISHARES TR EAFE GRWTH ETF 464288885   1,743,826 17,046 SH   SOLE   0 0 17,046
ISHARES TR EAFE VALUE ETF 464288877   970,770 18,303 SH   SOLE   0 0 18,303
ISHARES TR MSCI USA QLT FCT 46432F339   2,352,429 13,776 SH   SOLE   0 0 13,776
ISHARES TR US INFRASTRUC 46435U713   224,509 5,330 SH   SOLE   0 0 5,330
ISHARES TR U.S. TECH ETF 464287721   1,074,944 7,142 SH   SOLE   0 0 7,142
ISHARES TR CORE S&P TTL STK 464287150   5,165,204 43,485 SH   SOLE   0 0 43,485
ISHARES TR S&P 500 GRWT ETF 464287309   2,296,195 24,813 SH   SOLE   0 0 24,813
ISHARES TR 20 YR TR BD ETF 464287432   617,714 6,730 SH   SOLE   0 0 6,730
ISHARES TR CORE TOTAL USD 46434V613   2,450,576 54,192 SH   SOLE   0 0 54,192
ISHARES TR HDG MSCI EAFE 46434V803   307,764 8,656 SH   SOLE   0 0 8,656
ISHARES TR MBS ETF 464288588   1,122,348 12,225 SH   SOLE   0 0 12,225
ISHARES TR S&P 500 VAL ETF 464287408   1,038,185 5,704 SH   SOLE   0 0 5,704
ISHARES TR CORE S&P500 ETF 464287200   377,041 689 SH   SOLE   0 0 689
ISHARES TR NATIONAL MUN ETF 464288414   592,738 5,563 SH   SOLE   0 0 5,563
ISHARES TR NEW YORK MUN ETF 464288323   537,370 10,065 SH   SOLE   0 0 10,065
ISHARES TR S&P 100 ETF 464287101   725,768 2,746 SH   SOLE   0 0 2,746
ISHARES TR SHRT NAT MUN ETF 464288158   298,072 2,851 SH   SOLE   0 0 2,851
ISHARES TR CORE MSCI EAFE 46432F842   775,287 10,673 SH   SOLE   0 0 10,673
ISHARES TR CORE S&P US VLU 464287663   1,771,116 20,097 SH   SOLE   0 0 20,097
ISHARES U S ETF TR U.S. TECH INDEPD 46431W648   1,881,739 25,030 SH   SOLE   0 0 25,030
J P MORGAN EXCHANGE TRADED F ACTIVE GROWTH 46654Q609   593,234 7,894 SH   SOLE   0 0 7,894
J P MORGAN EXCHANGE TRADED F ACTIVE VALUE ETF 46641Q167   594,378 10,030 SH   SOLE   0 0 10,030
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q241   561,495 12,365 SH   SOLE   0 0 12,365
J P MORGAN EXCHANGE TRADED F BETABUILDRS US 46641Q399   1,445,209 14,729 SH   SOLE   0 0 14,729
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q340   242,495 2,755 SH   SOLE   0 0 2,755
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   279,833 6,040 SH   SOLE   0 0 6,040
JOHNSON & JOHNSON COM 478160104   694,698 4,753 SH   SOLE   0 0 4,753
JPMORGAN CHASE & CO. COM 46625H100   2,951,154 14,591 SH   SOLE   0 0 14,591
KROGER CO COM 501044101   215,698 4,320 SH   SOLE   0 0 4,320
MERCK & CO INC COM 58933Y105   2,159,481 17,443 SH   SOLE   0 0 17,443
META PLATFORMS INC CL A 30303M102   886,923 1,759 SH   SOLE   0 0 1,759
MICROSOFT CORP COM 594918104   3,202,121 7,164 SH   SOLE   0 0 7,164
MORGAN STANLEY COM NEW 617446448   207,112 2,131 SH   SOLE   0 0 2,131
NETFLIX INC COM 64110L106   203,814 302 SH   SOLE   0 0 302
NVIDIA CORPORATION COM 67066G104   1,459,625 11,815 SH   SOLE   0 0 11,815
PEPSICO INC COM 713448108   460,548 2,792 SH   SOLE   0 0 2,792
PFIZER INC COM 717081103   355,794 12,716 SH   SOLE   0 0 12,716
PHILLIPS 66 COM 718546104   279,234 1,978 SH   SOLE   0 0 1,978
PROCTER AND GAMBLE CO COM 742718109   2,085,578 12,646 SH   SOLE   0 0 12,646
PROSPECT CAP CORP NOTE 6.375% 3/0 74348TAT9   35,525 35,000 SH   SOLE   0 0 35,000
SCHWAB CHARLES CORP COM 808513105   595,859 8,086 SH   SOLE   0 0 8,086
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   2,105,703 46,198 SH   SOLE   0 0 46,198
SELECT SECTOR SPDR TR ENERGY 81369Y506   2,645,180 29,020 SH   SOLE   0 0 29,020
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,506,259 2,768 SH   SOLE   0 0 2,768
SPDR SER TR PORTFOLIO S&P500 78464A854   9,110,111 142,345 SH   SOLE   0 0 142,345
SPDR SER TR PORTFOLI S&P1500 78464A805   1,022,873 15,416 SH   SOLE   0 0 15,416
SPDR SER TR S&P DIVID ETF 78464A763   537,191 4,224 SH   SOLE   0 0 4,224
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   210,484 1,211 SH   SOLE   0 0 1,211
TESLA INC COM 88160R101   332,438 1,680 SH   SOLE   0 0 1,680
TJX COS INC NEW COM 872540109   1,996,994 18,138 SH   SOLE   0 0 18,138
TRAVELERS COMPANIES INC COM 89417E109   911,370 4,482 SH   SOLE   0 0 4,482
UNION PAC CORP COM 907818108   1,172,027 5,180 SH   SOLE   0 0 5,180
UNITEDHEALTH GROUP INC COM 91324P102   410,464 806 SH   SOLE   0 0 806
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   1,002,135 14,257 SH   SOLE   0 0 14,257
VANGUARD INDEX FDS GROWTH ETF 922908736   3,332,646 8,911 SH   SOLE   0 0 8,911
VANGUARD INDEX FDS VALUE ETF 922908744   736,629 4,592 SH   SOLE   0 0 4,592
VANGUARD INDEX FDS SML CP GRW ETF 922908595   236,682 946 SH   SOLE   0 0 946
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   482,459 9,628 SH   SOLE   0 0 9,628
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623   248,365 1,300 SH   SOLE   0 0 1,300
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   969,603 5,311 SH   SOLE   0 0 5,311
VERIZON COMMUNICATIONS INC COM 92343V104   239,429 5,806 SH   SOLE   0 0 5,806
VISA INC COM CL A 92826C839   213,913 815 SH   SOLE   0 0 815
WALMART INC COM 931142103   244,772 3,615 SH   SOLE   0 0 3,615
WEBSTER FINL CORP COM 947890109   429,754 9,859 SH   SOLE   0 0 9,859
WHITE MTNS INS GROUP LTD COM G9618E107   1,688,411 929 SH   SOLE   0 0 929