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
AMAZON COM INC COM Stock 023135106 108 760 SH   SOLE 0 760 0 0
SIRIUS XM HOLDINGS INC COM Stock 82968B103 1 95 SH   SOLE 0 95 0 0
INVESCO QQQ TRUST ETF 46090E103 394 1,197 SH   SOLE 0 1,197 0 0
WISDOMTREE U.S. SMALLCAP FUND ETF 97717W562 77 1,628 SH   SOLE 0 1,628 0 0
INVESCO BULLETSHARES 2023 HIGH YIELD CORPORATE BOND ETF ETF 46138J858 738 31,080 SH   SOLE 0 31,079 0 0
ISHARES GOLD TRUST ETF 464285204 120 3,598 SH   SOLE 0 3,598 0 0
ISHARES CORE INTERNATIONAL AGGREGATE BOND FUND ETF 46435G672 761 14,984 SH   SOLE 0 14,984 0 0
JOHNSON & JOHNSON COM Stock 478160104 3 20 SH   SOLE 0 20 0 0
WASTE MGMT INC DEL COM Stock 94106L109 6 33 SH   SOLE 0 33 0 0
ABB LTD SPONSORED ADR ADR 000375204 248 8,187 SH   SOLE 0 8,187 0 0
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 409 1,905 SH   SOLE 0 1,905 0 0
INVESCO WATER RESOURCES ETF ETF 46137V142 21 384 SH   SOLE 0 384 0 0
PROCTER AND GAMBLE CO COM Stock 742718109 52 346 SH   SOLE 0 346 0 0
COCA COLA CO COM Stock 191216100 34 525 SH   SOLE 0 525 0 0
TRUIST FINL CORP COM Stock 89832Q109 44 853 SH   SOLE 0 853 0 0
INVESCO BULLETSHARES 2025 CORPORATE BOND ETF ETF 46138J825 3,127 152,055 SH   SOLE 0 152,054 0 0
VANGUARD REAL ESTATE ETF ETF 922908553 11,179 110,990 SH   SOLE 0 110,990 0 0
CARNIVAL CORP COMMON STOCK Stock 143658300 4 383 SH   SOLE 0 383 0 0
INTEL CORP COM Stock 458140100 16 429 SH   SOLE 0 429 0 0
ISHARES SILVER TRUST ETF 46428Q109 37 2,047 SH   SOLE 0 2,047 0 0
ISHARES MSCI EAFE ESG SELECT ETF ETF 46435G516 235 3,562 SH   SOLE 0 3,562 0 0
ISHARES ESG ADVANCED HIGH YIELD CORPORATE BOND ETF ETF 46435G441 121 2,622 SH   SOLE 0 2,621 0 0
MERCK & CO INC COM Stock 58933Y105 42 457 SH   SOLE 0 457 0 0
SPDR S&P 500 ETF ETF 78462F103 3 7 SH   SOLE 0 7 0 0
WISDOMTREE U.S. MIDCAP FUND ETF 97717W570 73 1,395 SH   SOLE 0 1,395 0 0
ISHARES CORE CONSERVATIVE ALLOCATION ETF ETF 464289883 20 559 SH   SOLE 0 559 0 0
ISHARES TIPS BOND ETF ETF 464287176 6,195 53,620 SH   SOLE 0 53,620 0 0
INVESCO BULLETSHARES 2024 HIGH YIELD CORPORATE BOND ETF ETF 46138J833 381 16,747 SH   SOLE 0 16,747 0 0
INVESCO S&P MIDCAP 400 PURE GROWTH ETF ETF 46137V217 72 361 SH   SOLE 0 361 0 0
CHUBB LIMITED COM Stock H1467J104 6 31 SH   SOLE 0 31 0 0
ISHARES COHEN & STEERS REIT ETF ETF 464287564 804 12,059 SH   SOLE 0 12,059 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF ETF 464287457 2,528 30,623 SH   SOLE 0 30,623 0 0
ISHARES INTERNATIONAL DEVELOPED PROPERTY ETF ETF 464288422 410 13,373 SH   SOLE 0 13,372 0 0
X-TRACKERS USD HIGH YIELD CORPORATE BOND ETF ETF 233051432 5,493 154,267 SH   SOLE 0 154,267 0 0
ISHARES ESG AWARE MSCI USA ETF ETF 46435G425 400 4,191 SH   SOLE 0 4,190 0 0
XCEL ENERGY INC COM Stock 98389B100 4 48 SH   SOLE 0 48 0 0
AUTOMATIC DATA PROCESSING INC COM Stock 053015103 17 67 SH   SOLE 0 67 0 0
BRIGHTHOUSE FINL INC COM Stock 10922N103 1 24 SH   SOLE 0 24 0 0
DUPONT DE NEMOURS INC COM Stock 26614N102 5 85 SH   SOLE 0 85 0 0
ISHARES RUSSELL 2000 VALUE ETF ETF 464287630 16 100 SH   SOLE 0 100 0 0
SPDR GOLD SHARES ETF 78463V107 4 26 SH   SOLE 0 26 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 200 4,396 SH   SOLE 0 4,396 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 129 503 SH   SOLE 0 503 0 0
ISHARES U.S. REAL ESTATE ETF ETF 464287739 13 129 SH   SOLE 0 129 0 0
INVESCO BULLETSHARES 2027 CORPORATE BOND ETF ETF 46138J783 859 43,563 SH   SOLE 0 43,563 0 0
INVESCO BULLETSHARES 2025 HIGH YIELD CORPORATE BOND ETF ETF 46138J817 130 5,676 SH   SOLE 0 5,676 0 0
ISHARES S&P SMALL-CAP FUND ETF 464287804 825 7,784 SH   SOLE 0 7,784 0 0
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9 59 2,414 SH   SOLE 0 2,414 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 434 1,425 SH   SOLE 0 1,425 0 0
ALPHABET INC CAP STK CL A Stock 02079K305 33 273 SH   SOLE 0 272 0 0
OREILLY AUTOMOTIVE INC COM Stock 67103H107 6 8 SH   SOLE 0 8 0 0
MICROSOFT CORP COM Stock 594918104 313 1,080 SH   SOLE 0 1,080 0 0
INVESCO BULLETSHARES 2026 CORPORATE BOND ETF ETF 46138J791 3,000 153,590 SH   SOLE 0 153,589 0 0
INVESCO BULLETSHARES 2028 CORPORATE BOND ETF ETF 46138J643 62 3,045 SH   SOLE 0 3,045 0 0
INVESCO BULLETSHARES 2026 HIGH YIELD CORPORATE BOND ETF ETF 46138J635 72 3,058 SH   SOLE 0 3,058 0 0
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 9,599 46,969 SH   SOLE 0 46,969 0 0
VANGUARD MID-CAP INDEX FUND ETF 922908629 10,346 45,937 SH   SOLE 0 45,936 0 0
VANGUARD LARGE-CAP INDEX FUND ETF 922908637 11,871 60,650 SH   SOLE 0 60,650 0 0
NEXTERA ENERGY INC COM Stock 65339F101 108 1,200 SH   SOLE 0 1,200 0 0
NIKE INC CL B Stock 654106103 5 39 SH   SOLE 0 39 0 0
VANGUARD SHORT-TERM GOVERNMENT BOND ETF ETF 92206C102 30 517 SH   SOLE 0 517 0 0
ISHARES BLOOMBERG ROLL SELECT COMMODITY STRATEGY ETF ETF 46431W598 541 9,164 SH   SOLE 0 9,164 0 0
ISHARES ESG AWARE U.S. AGGREGATE BOND ETF ETF 46435U549 224 4,526 SH   SOLE 0 4,525 0 0
VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 15 62 SH   SOLE 0 62 0 0
SCHWAB U.S. TIPS ETF ETF 808524870 96 1,691 SH   SOLE 0 1,691 0 0
DOLLAR TREE INC COM Stock 256746108 5 31 SH   SOLE 0 31 0 0
DOW INC COM Stock 260557103 5 85 SH   SOLE 0 85 0 0
ARCH CAP GROUP LTD ORD Stock G0450A105 13 273 SH   SOLE 0 273 0 0
VANGUARD S&P 500 ETF ETF 922908363 67 171 SH   SOLE 0 171 0 0
SPDR S&P MIDCAP 400 ETF ETF 78467Y107 59 123 SH   SOLE 0 123 0 0
CORTEVA INC COM Stock 22052L104 5 85 SH   SOLE 0 85 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357 540 3,569 SH   SOLE 0 3,569 0 0
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 312 3,085 SH   SOLE 0 3,085 0 0
SPDR S&P 400 MID CAP GROWTH ETF ETF 78464A821 47 648 SH   SOLE 0 648 0 0
INVESCO BULLETSHARES 2023 MUNICIPAL BOND ETF ETF 46138J544 195 7,757 SH   SOLE 0 7,757 0 0
INVESCO BULLETSHARES 2024 MUNICIPAL BOND ETF ETF 46138J536 264 10,579 SH   SOLE 0 10,579 0 0
INVESCO BULLETSHARES 2027 HIGH YIELD CORPORATE BOND ETF ETF 46138J585 34 1,492 SH   SOLE 0 1,492 0 0
INVESCO BULLETSHARES 2025 MUNICIPAL BOND ETF ETF 46138J528 264 10,703 SH   SOLE 0 10,703 0 0
ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473 43 373 SH   SOLE 0 373 0 0
INVESCO BULLETSHARES 2026 MUNICIPAL BOND ETF ETF 46138J510 196 8,195 SH   SOLE 0 8,195 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655 236 1,186 SH   SOLE 0 1,186 0 0
INVESCO BULLETSHARES 2027 MUNICIPAL BOND ETF ETF 46138J494 197 8,243 SH   SOLE 0 8,243 0 0
INVESCO BULLETSHARES 2028 MUNICIPAL BOND ETF ETF 46138J486 53 2,226 SH   SOLE 0 2,226 0 0
DUKE ENERGY CORP NEW COM NEW Stock 26441C204 16 144 SH   SOLE 0 144 0 0
SCHWAB LONG-TERM U.S. TREASURY ETF ETF 808524680 31 777 SH   SOLE 0 777 0 0
AFLAC INC COM Stock 001055102 39 600 SH   SOLE 0 600 0 0
SYSCO CORP COM Stock 871829107 3 37 SH   SOLE 0 37 0 0
BLACKROCK MUNIVEST FD INC COM CEF 09253R105 3 442 SH   SOLE 0 442 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168 46 360 SH   SOLE 0 360 0 0
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481 40 426 SH   SOLE 0 426 0 0
AIRBNB INC COM CL A Stock 009066101 1 5 SH   SOLE 0 5 0 0
ORGANON & CO COMMON STOCK Stock 68622V106 1 45 SH   SOLE 0 45 0 0
SABA CAPITAL INCOME & OPRNT FD SHS NEW CEF 78518H202 6 700 SH   SOLE 0 700 0 0
HERSHEY CO COM Stock 427866108 76 330 SH   SOLE 0 330 0 0
PROSHARES BITCOIN STRATEGY ETF ETF 74347G440 0 5 SH   SOLE 0 5 0 0
VANGUARD VALUE INDEX FUND ETF 922908744 30 208 SH   SOLE 0 208 0 0
META PLATFORMS INC CL A Stock 30303M102 1 6 SH   SOLE 0 6 0 0
WARNER BROS DISCOVERY INC COM SER A Stock 934423104 1 71 SH   SOLE 0 71 0 0
FMC CORP COM NEW Stock 302491303 3 28 SH   SOLE 0 28 0 0
METLIFE INC COM Stock 59156R108 13 194 SH   SOLE 0 194 0 0
NVIDIA CORPORATION COM Stock 67066G104 41 220 SH   SOLE 0 220 0 0
ABBVIE INC COM Stock 00287Y109 4 31 SH   SOLE 0 31 0 0
ISHARES 10 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464289511 576 10,484 SH   SOLE 0 10,484 0 0
VANGUARD TOTAL BOND MARKET INDEX FUND ETF 921937835 6,383 84,048 SH   SOLE 0 84,048 0 0
VANGUARD FTSE ALL-WORLD EX US INDEX FUND ETF 922042775 21 401 SH   SOLE 0 401 0 0
ISHARES MSCI EM ESG SELECT ETF ETF 46434G863 12 370 SH   SOLE 0 369 0 0
MCDONALDS CORP COM Stock 580135101 4 15 SH   SOLE 0 15 0 0
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407 5,503 108,961 SH   SOLE 0 108,960 0 0
ISHARES RUSSELL MID-CAP ETF ETF 464287499 214 2,891 SH   SOLE 0 2,891 0 0
AT&T INC COM Stock 00206R102 6 299 SH   SOLE 0 299 0 0
ISHARES IBOXX HIGH YIELD CORPORATE BOND ETF ETF 464288513 284 3,651 SH   SOLE 0 3,651 0 0
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887 46 378 SH   SOLE 0 378 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 590 1,373 SH   SOLE 0 1,373 0 0
CIGNA CORP NEW COM Stock 125523100 8 27 SH   SOLE 0 27 0 0
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0 303 12,572 SH   SOLE 0 12,572 0 0
INVESCO BULLETSHARES 2022 CORPORATE BOND ETF ETF 46138J882 3,342 157,420 SH   SOLE 0 157,420 0 0
UNION PAC CORP COM Stock 907818108 6 23 SH   SOLE 0 23 0 0
MICROCHIP TECHNOLOGY INC. COM Stock 595017104 2 34 SH   SOLE 0 34 0 0
LOCKHEED MARTIN CORP COM Stock 539830109 4 8 SH   SOLE 0 8 0 0
JPMORGAN CHASE & CO COM Stock 46625H100 39 318 SH   SOLE 0 318 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 11,045 256,912 SH   SOLE 0 256,911 0 0
DANAHER CORPORATION COM Stock 235851102 7 24 SH   SOLE 0 24 0 0
BK OF AMERICA CORP COM Stock 060505104 57 1,561 SH   SOLE 0 1,561 0 0
SPDR S&P DIVIDEND ETF ETF 78464A763 112 850 SH   SOLE 0 850 0 0
ORACLE CORP COM Stock 68389X105 3 42 SH   SOLE 0 42 0 0
RAYTHEON TECHNOLOGIES CORP COM Stock 75513E101 5 49 SH   SOLE 0 49 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 539 12,818 SH   SOLE 0 12,818 0 0
TEXAS INSTRS INC COM Stock 882508104 6 31 SH   SOLE 0 31 0 0
PFIZER INC COM Stock 717081103 17 350 SH   SOLE 0 350 0 0
3M CO COM Stock 88579Y101 16 111 SH   SOLE 0 111 0 0
ALPHABET INC CAP STK CL C Stock 02079K107 41 340 SH   SOLE 0 340 0 0
CHECK POINT SOFTWARE TECH LTD ORD Stock M22465104 3 22 SH   SOLE 0 22 0 0
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 19 119 SH   SOLE 0 119 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 553 5,380 SH   SOLE 0 5,380 0 0
EATON CORP PLC SHS Stock G29183103 5 32 SH   SOLE 0 32 0 0
VICTORYSHARES US EQ INCOME ENHANCED VOLATILITY WTD ETF ETF 92647N824 397 5,685 SH   SOLE 0 5,685 0 0
VICTORYSHARES U.S. 500 ENHANCED VOLATILITY WTD INDEX ETF ETF 92647N782 1,302 19,482 SH   SOLE 0 19,481 0 0
INVESCO BULLETSHARES 2023 CORPORATE BOND ETF ETF 46138J866 3,782 180,129 SH   SOLE 0 180,129 0 0
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF ETF 46138J841 3,393 163,023 SH   SOLE 0 163,023 0 0
INVESCO BULLETSHARES 2022 HIGH YIELD CORPORATE BOND ETF ETF 46138J874 417 18,650 SH   SOLE 0 18,650 0 0
VANGUARD LONG-TERM BOND INDEX FUND ETF 921937793 3,877 47,814 SH   SOLE 0 47,814 0 0
NATIONAL RETAIL PROPERTIES INC COM REIT 637417106 53 1,125 SH   SOLE 0 1,125 0 0
DELTA AIR LINES INC DEL COM NEW Stock 247361702 5 145 SH   SOLE 0 145 0 0
VICTORYSHARES DEVELOPED ENHANCED VOLATILITY WTD INDEX ETF ETF 92647N816 229 7,674 SH   SOLE 0 7,674 0 0
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 36 464 SH   SOLE 0 464 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689 30 122 SH   SOLE 0 122 0 0
ISHARES GSCI COMMODITY DYNAMIC ROLL STRATEGY ETF ETF 46431W853 22 572 SH   SOLE 0 572 0 0
CITIGROUP INC COM NEW Stock 172967424 18 330 SH   SOLE 0 330 0 0
EXXON MOBIL CORP COM Stock 30231G102 41 432 SH   SOLE 0 432 0 0
CHEMOURS CO COM Stock 163851108 1 40 SH   SOLE 0 40 0 0
ISHARES IBONDS DEC 2022 TERM CORPORATE ETF ETF 46434VBA7 10 400 SH   SOLE 0 400 0 0
PAYPAL HLDGS INC COM Stock 70450Y103 3 29 SH   SOLE 0 29 0 0
ETFMG PRIME MOBILE PAYMENTS ETF ETF 26924G409 14 300 SH   SOLE 0 300 0 0
BLACKROCK INC COM Stock 09247X101 3 4 SH   SOLE 0 4 0 0
ISHARES S&P MIDCAP FUND ETF 464287507 429 1,638 SH   SOLE 0 1,638 0 0
ISHARES S&P GLOBAL CLEAN ENERGY INDEX FUND ETF 464288224 47 2,045 SH   SOLE 0 2,045 0 0
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746 344 6,810 SH   SOLE 0 6,810 0 0
ISHARES MSCI EAFE ETF ETF 464287465 1,169 17,818 SH   SOLE 0 17,818 0 0
APPLE INC COM Stock 037833100 106 607 SH   SOLE 0 607 0 0
WEC ENERGY GROUP INC COM Stock 92939U106 58 541 SH   SOLE 0 540 0 0
ISHARES IBONDS DEC 2023 TERM CORPORATE ETF ETF 46434VAX8 85 3,367 SH   SOLE 0 3,367 0 0
ISHARES IBONDS DEC 2025 TERM CORPORATE ETF ETF 46434VBD1 266 10,703 SH   SOLE 0 10,703 0 0
ISHARES IBONDS DEC 2024 TERM CORPORATE ETF ETF 46434VBG4 270 10,868 SH   SOLE 0 10,868 0 0
ISHARES RUSSELL 1000 ETF ETF 464287622 40 170 SH   SOLE 0 170 0 0
MARSH & MCLENNAN COS INC COM Stock 571748102 5 28 SH   SOLE 0 28 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 5 34 SH   SOLE 0 34 0 0