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
ABBOTT LABS COM 002824100 BBG001S5N9M6 367,687 3,349 SH   SOLE   0 0 3,349
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 1,046,519 6,476 SH   SOLE   0 0 6,476
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 BBG001SCXK90 324,477 1,216 SH   SOLE   0 0 1,216
ADOBE SYSTEMS INCORPORATED COM 00724F101 BBG001S5NCQ5 723,876 2,151 SH   SOLE   0 0 2,151
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 764,739 11,807 SH   SOLE   0 0 11,807
AFLAC INC COM 001055102 BBG001S5NGJ4 227,762 3,166 SH   SOLE   0 0 3,166
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 629,080 7,130 SH   SOLE   0 0 7,130
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 713,567 8,042 SH   SOLE   0 0 8,042
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,256,640 14,960 SH   SOLE   0 0 14,960
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 957,420 6,480 SH   SOLE   0 0 6,480
AMERICAN TOWER CORP NEW COM 03027X100 BBG001S5NPQ6 214,487 1,005 SH   SOLE   0 0 1,005
AMERICAN WTR WKS CO INC NEW COM 030420103 BBG001SPHYW3 346,756 2,275 SH   SOLE   0 0 2,275
AMERIPRISE FINL INC COM 03076C106 BBG001SK6096 403,536 1,296 SH   SOLE   0 0 1,296
AMGEN INC COM 031162100 BBG001S5NNL6 743,271 2,830 SH   SOLE   0 0 2,830
AON PLC SHS CL A G0403H108 BBG00SSQFPR9 202,895 676 SH   SOLE   0 0 676
APPLE INC COM 037833100 BBG001S5N8V8 2,789,521 21,469 SH   SOLE   0 0 21,469
APPLIED MATLS INC COM 038222105 BBG001S5NMM7 464,600 4,771 SH   SOLE   0 0 4,771
ARROW ELECTRS INC COM 042735100 BBG001S5NVP4 209,140 2,000 SH   SOLE   0 0 2,000
ASML HOLDING N V N Y REGISTRY SHS N07059210 BBG001SCG0R3 343,686 629 SH   SOLE   0 0 629
ASTRAZENECA PLC SPONSORED ADR 046353108 BBG001SB80N8 265,166 3,911 SH   SOLE   0 0 3,911
AT&T INC COM 00206R102 BBG001S5VWH2 198,806 10,799 SH   SOLE   0 0 10,799
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 219,941 916 SH   SOLE   0 0 916
BERKSHIRE HATHAWAY INC DEL CL A 084670108 BBG001S902J2 937,422 2 SH   SOLE   0 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 598,648 1,938 SH   SOLE   0 0 1,938
BLACKROCK INC COM 09247X101 BBG001SDBP55 347,229 490 SH   SOLE   0 0 490
BOOKING HOLDINGS INC COM 09857L108 BBG001S89N72 272,063 135 SH   SOLE   0 0 135
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 203,403 2,827 SH   SOLE   0 0 2,827
CADENCE DESIGN SYSTEM INC COM 127387108 BBG001S65YK1 321,280 2,000 SH   SOLE   0 0 2,000
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 341,928 1,905 SH   SOLE   0 0 1,905
CIGNA CORP NEW COM 125523100 BBG00KXRCDQ9 248,505 750 SH   SOLE   0 0 750
CISCO SYS INC COM 17275R102 BBG001S6HC62 529,060 11,105 SH   SOLE   0 0 11,105
CITIGROUP INC COM NEW 172967424 BBG001S72ZG4 294,407 6,509 SH   SOLE   0 0 6,509
CME GROUP INC COM 12572Q105 BBG001S86547 306,299 1,774 SH   SOLE   0 0 1,774
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 334,158 732 SH   SOLE   0 0 732
CUMMINS INC COM 231021106 BBG001S5Q9M3 261,431 1,079 SH   SOLE   0 0 1,079
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 209,398 2,247 SH   SOLE   0 0 2,247
DANAHER CORPORATION COM 235851102 BBG001S5QGT0 284,001 1,069 SH   SOLE   0 0 1,069
DEERE & CO COM 244199105 BBG001S5QFF7 257,685 601 SH   SOLE   0 0 601
DISNEY WALT CO COM 254687106 BBG001S5QHF3 776,968 8,943 SH   SOLE   0 0 8,943
EATON CORP PLC SHS G29183103 BBG001S5QZ45 335,245 2,136 SH   SOLE   0 0 2,136
ELEVANCE HEALTH INC COM 036752103 BBG001S6KBQ8 305,217 595 SH   SOLE   0 0 595
ENPHASE ENERGY INC COM 29355A107 BBG001V28NC6 225,216 850 SH   SOLE   0 0 850
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 BBG005FHVV56 3,087,629 48,259 SH   SOLE   0 0 48,259
FIRST TR EXCHANGE-TRADED FD DORSEY WRT 5 ETF 33738R605 BBG005YW3DQ0 499,355 10,727 SH   SOLE   0 0 10,727
GILEAD SCIENCES INC COM 375558103 BBG001S6Y1X7 730,154 8,505 SH   SOLE   0 0 8,505
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 BBG00DRGSD25 305,561 3,055 SH   SOLE   0 0 3,055
GSK PLC SPONSORED ADR 37733W204 BBG001SD6SM6 520,912 14,684 SH   SOLE   0 0 14,684
HOME DEPOT INC COM 437076102 BBG001S5RTW7 796,599 2,522 SH   SOLE   0 0 2,522
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 282,662 1,319 SH   SOLE   0 0 1,319
ILLINOIS TOOL WKS INC COM 452308109 BBG001S5SDX0 276,126 1,246 SH   SOLE   0 0 1,246
INVESCO EXCH TRADED FD TR II KBW PPTY CASUT 46138E586 BBG001TG54V2 795,872 9,247 SH   SOLE   0 0 9,247
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 BBG001T0NSB6 153,144 13,698 SH   SOLE   0 0 13,698
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362 BBG003H4RBL9 878,021 20,032 SH   SOLE   0 0 20,032
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 BBG001V18CG8 657,233 10,285 SH   SOLE   0 0 10,285
INVESCO EXCHANGE TRADED FD T AEROSPACE DEFN 46137V100 BBG001S8JG85 1,080,892 13,787 SH   SOLE   0 0 13,787
INVESCO EXCHANGE TRADED FD T DYNMC ENRG EXP 46137V761 BBG001SPHL97 1,502,783 50,804 SH   SOLE   0 0 50,804
INVESCO EXCHANGE TRADED FD T DYNMC FOOD BEV 46137V753 BBG001SN60Z1 839,438 18,389 SH   SOLE   0 0 18,389
INVESCO EXCHANGE TRADED FD T FINL PFD ETF 46137V621 BBG001SQ8PW0 333,533 23,162 SH   SOLE   0 0 23,162
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 5,321,181 19,983 SH   SOLE   0 0 19,983
ISHARES INC MSCI EMERG MRKT 464286533 BBG0025X3FS0 8,434,819 158,998 SH   SOLE   0 0 158,998
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 2,114,534 21,808 SH   SOLE   0 0 21,808
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 205,509 5,026 SH   SOLE   0 0 5,026
ISHARES TR 20 YR TR BD ETF 464287432 BBG001S8MLN3 1,005,556 10,100 SH   SOLE   0 0 10,100
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 587,096 11,742 SH   SOLE   0 0 11,742
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 2,573,193 44,457 SH   SOLE   0 0 44,457
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 7,701,335 31,838 SH   SOLE   0 0 31,838
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 4,081,800 43,130 SH   SOLE   0 0 43,130
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 1,943,188 22,915 SH   SOLE   0 0 22,915
ISHARES TR CORE S&P US VLU 464287663 BBG001SFQL80 651,209 9,220 SH   SOLE   0 0 9,220
ISHARES TR ESG ADV TTL USD 46436E619 BBG00VJ13GZ1 939,034 22,252 SH   SOLE   0 0 22,252
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 508,565 7,736 SH   SOLE   0 0 7,736
ISHARES TR ESG AWARE MSCI 46435U663 BBG00KK87757 281,190 8,552 SH   SOLE   0 0 8,552
ISHARES TR ESG AWRE USD ETF 46435G193 BBG00H4BH3F2 1,135,188 50,911 SH   SOLE   0 0 50,911
ISHARES TR ESG MSCI USA ETF 46436E767 BBG00VHK2B74 216,644 7,066 SH   SOLE   0 0 7,066
ISHARES TR GL CLEAN ENE ETF 464288224 BBG001S7XDQ8 1,113,287 56,085 SH   SOLE   0 0 56,085
ISHARES TR IBONDS 23 TRM HG 46435U150 BBG00P3CWH01 792,391 33,762 SH   SOLE   0 0 33,762
ISHARES TR IBONDS 24 TRM HG 46435U184 BBG00P3CTJ01 506,220 22,291 SH   SOLE   0 0 22,291
ISHARES TR IBONDS DEC 46435U697 BBG00KDS8331 309,000 12,000 SH   SOLE   0 0 12,000
ISHARES TR IBONDS DEC2023 46435G318 BBG00GF7ZJL9 803,037 31,678 SH   SOLE   0 0 31,678
ISHARES TR IBONDS DEC23 ETF 46434VAX8 BBG0088JLVM6 989,736 39,542 SH   SOLE   0 0 39,542
ISHARES TR IBONDS DEC24 ETF 46434VBG4 BBG0088JX0B3 914,334 37,442 SH   SOLE   0 0 37,442
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 1,248,879 13,465 SH   SOLE   0 0 13,465
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 2,731,434 37,884 SH   SOLE   0 0 37,884
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 1,819,587 15,967 SH   SOLE   0 0 15,967
ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 785,476 25,728 SH   SOLE   0 0 25,728
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 1,042,700 10,000 SH   SOLE   0 0 10,000
ISHARES TR USD GRN BOND ETF 46435U440 BBG00MK1NQ85 671,898 14,616 SH   SOLE   0 0 14,616
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 8,484,181 154,173 SH   SOLE   0 0 154,173
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 773,017 4,376 SH   SOLE   0 0 4,376
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 555,486 4,142 SH   SOLE   0 0 4,142
KELLOGG CO COM 487836108 BBG001S5SJL0 214,504 3,011 SH   SOLE   0 0 3,011
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 364,728 2,664 SH   SOLE   0 0 2,664
LABORATORY CORP AMER HLDGS COM NEW 50540R409 BBG001S7RX54 282,576 1,200 SH   SOLE   0 0 1,200
LAM RESEARCH CORP COM 512807108 BBG001S5SW40 526,265 1,247 SH   SOLE   0 0 1,247
LILLY ELI & CO COM 532457108 BBG001S5STL8 1,745,057 4,770 SH   SOLE   0 0 4,770
LINDE PLC SHS G5494J103 BBG00GVR8YR8 734,884 2,253 SH   SOLE   0 0 2,253
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 743,390 1,528 SH   SOLE   0 0 1,528
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 631,825 1,817 SH   SOLE   0 0 1,817
MCDONALDS CORP COM 580135101 BBG001S5T110 312,547 1,186 SH   SOLE   0 0 1,186
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 207,054 2,641 SH   SOLE   0 0 2,641
MERCK & CO INC COM 58933Y105 BBG001S5TC52 910,415 8,152 SH   SOLE   0 0 8,152
MICROSOFT CORP COM 594918104 BBG001S5TD05 2,425,386 10,113 SH   SOLE   0 0 10,113
MODERNA INC COM 60770K107 BBG003PHHZV8 261,167 1,454 SH   SOLE   0 0 1,454
NATIONAL GRID PLC SPONSORED ADR NE 636274409 BBG001SD9VH2 336,942 5,492 SH   SOLE   0 0 5,492
NETFLIX INC COM 64110L106 BBG001SF6L46 471,218 1,598 SH   SOLE   0 0 1,598
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 273,790 3,275 SH   SOLE   0 0 3,275
NIKE INC CL B 654106103 BBG001S6NTK2 575,104 4,915 SH   SOLE   0 0 4,915
NOVARTIS AG SPONSORED ADR 66987V109 BBG001SF5LW6 476,552 5,253 SH   SOLE   0 0 5,253
NUVEEN AMT FREE MUN CR INC F COM 67071L106 BBG001SHZCF8 420,517 34,639 SH   SOLE   0 0 34,639
NUVEEN AMT FREE QLTY MUN INC COM 670657105 BBG001SKQWJ3 349,116 30,705 SH   SOLE   0 0 30,705
NUVEEN INTER DURATION MUN TE COM 670671106 BBG003NQ26B2 166,034 12,655 SH   SOLE   0 0 12,655
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 408,023 2,792 SH   SOLE   0 0 2,792
PARKER-HANNIFIN CORP COM 701094104 BBG001S5V554 341,343 1,173 SH   SOLE   0 0 1,173
PAYPAL HLDGS INC COM 70450Y103 BBG0077VNXW5 466,776 6,554 SH   SOLE   0 0 6,554
PEPSICO INC COM 713448108 BBG001S695T1 1,086,678 5,977 SH   SOLE   0 0 5,977
PFIZER INC COM 717081103 BBG001S5V466 560,355 10,936 SH   SOLE   0 0 10,936
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 BBG005VLSHH1 1,819,453 19,256 SH   SOLE   0 0 19,256
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 466,805 3,080 SH   SOLE   0 0 3,080
PROLOGIS INC. COM 74340W103 BBG001S5NMN6 384,184 3,408 SH   SOLE   0 0 3,408
RAYTHEON TECHNOLOGIES CORP COM 75513E101 BBG001S5X5Q9 331,052 3,280 SH   SOLE   0 0 3,280
S&P GLOBAL INC COM 78409V104 BBG001S5T5M8 234,793 701 SH   SOLE   0 0 701
SALESFORCE INC COM 79466L302 BBG001SDLP09 815,031 6,147 SH   SOLE   0 0 6,147
SANOFI SPONSORED ADR 80105N105 BBG001S5W768 550,794 11,373 SH   SOLE   0 0 11,373
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 7,938,026 175,815 SH   SOLE   0 0 175,815
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 1,977,860 38,190 SH   SOLE   0 0 38,190
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 418,236 4,781 SH   SOLE   0 0 4,781
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 BBG001S7T223 526,229 15,387 SH   SOLE   0 0 15,387
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 300,172 4,026 SH   SOLE   0 0 4,026
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 268,711 1,978 SH   SOLE   0 0 1,978
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 2,307,443 13,602 SH   SOLE   0 0 13,602
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 293,755 765 SH   SOLE   0 0 765
SPDR SER TR BLOOMBERG INVT 78468R200 BBG0029J2J00 2,108,216 69,372 SH   SOLE   0 0 69,372
SPDR SER TR PORT MTG BK ETF 78464A383 BBG001T2HF72 404,293 18,631 SH   SOLE   0 0 18,631
SPDR SER TR PORTFOLIO SH TSR 78468R101 BBG0029J2KF1 204,339 7,073 SH   SOLE   0 0 7,073
SPDR SER TR S&P 600 SML CAP 78464A813 BBG001SPTB69 3,390,566 41,243 SH   SOLE   0 0 41,243
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 BBG001S5WWW4 409,757 5,468 SH   SOLE   0 0 5,468
TARGET CORP COM 87612E106 BBG001SC0K41 387,355 2,599 SH   SOLE   0 0 2,599
TESLA INC COM 88160R101 BBG001SQKGD7 265,330 2,154 SH   SOLE   0 0 2,154
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 361,997 2,191 SH   SOLE   0 0 2,191
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 623,170 1,131 SH   SOLE   0 0 1,131
TJX COS INC NEW COM 872540109 BBG001S5WQ93 239,437 3,008 SH   SOLE   0 0 3,008
TORONTO DOMINION BK ONT COM NEW 891160509 BBG001S60L15 485,117 7,491 SH   SOLE   0 0 7,491
TRAVELERS COMPANIES INC COM 89417E109 BBG001S5R103 284,422 1,517 SH   SOLE   0 0 1,517
TRUIST FINL CORP COM 89832Q109 BBG001S5YYC0 427,030 9,924 SH   SOLE   0 0 9,924
UNILEVER PLC SPON ADR NEW 904767704 BBG001S5X1K4 241,521 4,797 SH   SOLE   0 0 4,797
V F CORP COM 918204108 BBG001S5X749 249,456 9,035 SH   SOLE   0 0 9,035
VANECK ETF TRUST GOLD MINERS ETF 92189F106 BBG001SR42Z0 519,635 18,131 SH   SOLE   0 0 18,131
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 9,418,152 131,099 SH   SOLE   0 0 131,099
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 1,620,669 8,830 SH   SOLE   0 0 8,830
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 6,452,802 33,751 SH   SOLE   0 0 33,751
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 347,556 2,476 SH   SOLE   0 0 2,476
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 205,046 2,379 SH   SOLE   0 0 2,379
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 1,578,840 20,998 SH   SOLE   0 0 20,998
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 BBG001TCHH03 344,000 2,825 SH   SOLE   0 0 2,825
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 516,040 3,398 SH   SOLE   0 0 3,398
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 10,996,021 261,997 SH   SOLE   0 0 261,997
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 9,795,681 90,525 SH   SOLE   0 0 90,525
VANGUARD WORLD FD ESG US CORP BD 921910691 BBG00XGJM879 1,201,365 19,800 SH   SOLE   0 0 19,800
VANGUARD WORLD FD MEGA GRWTH IND 921910816 BBG001T0Y6W9 5,483,011 31,865 SH   SOLE   0 0 31,865
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 755,006 19,163 SH   SOLE   0 0 19,163
VISA INC COM CL A 92826C839 BBG001SRCFY3 324,937 1,564 SH   SOLE   0 0 1,564
WALMART INC COM 931142103 BBG001S5XH92 306,144 2,151 SH   SOLE   0 0 2,151
WILLIAMS COS INC COM 969457100 BBG001S5XH10 839,715 25,523 SH   SOLE   0 0 25,523
XYLEM INC COM 98419M100 BBG001V05C73 458,423 4,146 SH   SOLE   0 0 4,146