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 86 760 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 320 1,197 SH   SOLE 0 1,197 0 0
WISDOMTREE U.S. SMALLCAP FUND ETF 97717W562 64 1,628 SH   SOLE 0 1,628 0 0
INVESCO BULLETSHARES 2023 HIGH YIELD CORPORATE BOND ETF ETF 46138J858 716 31,394 SH   SOLE 0 31,394 0 0
ISHARES GOLD TRUST ETF 464285204 113 3,598 SH   SOLE 0 3,598 0 0
ISHARES CORE INTERNATIONAL AGGREGATE BOND FUND ETF 46435G672 724 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 5 33 SH   SOLE 0 33 0 0
ABB LTD SPONSORED ADR ADR 000375204 210 8,187 SH   SOLE 0 8,187 0 0
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 343 1,910 SH   SOLE 0 1,910 0 0
INVESCO WATER RESOURCES ETF ETF 46137V142 18 384 SH   SOLE 0 384 0 0
PROCTER AND GAMBLE CO COM Stock 742718109 44 346 SH   SOLE 0 346 0 0
COCA COLA CO COM Stock 191216100 29 525 SH   SOLE 0 525 0 0
TRUIST FINL CORP COM Stock 89832Q109 37 853 SH   SOLE 0 853 0 0
INVESCO BULLETSHARES 2025 CORPORATE BOND ETF ETF 46138J825 3,049 152,891 SH   SOLE 0 152,890 0 0
VANGUARD REAL ESTATE ETF ETF 922908553 8,901 111,022 SH   SOLE 0 111,021 0 0
CARNIVAL CORP COMMON STOCK Stock 143658300 3 383 SH   SOLE 0 383 0 0
INTEL CORP COM Stock 458140100 11 429 SH   SOLE 0 429 0 0
ISHARES SILVER TRUST ETF 46428Q109 36 2,047 SH   SOLE 0 2,047 0 0
ISHARES MSCI EAFE ESG SELECT ETF ETF 46435G516 199 3,552 SH   SOLE 0 3,552 0 0
ISHARES ESG ADVANCED HIGH YIELD CORPORATE BOND ETF ETF 46435G441 110 2,615 SH   SOLE 0 2,615 0 0
MERCK & CO INC COM Stock 58933Y105 39 457 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 61 1,395 SH   SOLE 0 1,395 0 0
ISHARES CORE CONSERVATIVE ALLOCATION ETF ETF 464289883 18 559 SH   SOLE 0 559 0 0
ISHARES TIPS BOND ETF ETF 464287176 5,659 53,949 SH   SOLE 0 53,948 0 0
INVESCO BULLETSHARES 2024 HIGH YIELD CORPORATE BOND ETF ETF 46138J833 377 17,422 SH   SOLE 0 17,422 0 0
INVESCO S&P MIDCAP 400 PURE GROWTH ETF ETF 46137V217 60 361 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 647 12,059 SH   SOLE 0 12,059 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF ETF 464287457 2,532 31,180 SH   SOLE 0 31,179 0 0
ISHARES INTERNATIONAL DEVELOPED PROPERTY ETF ETF 464288422 336 13,541 SH   SOLE 0 13,540 0 0
XTRACKERS USD HIGH YIELD CORPORATE BOND ETF ETF 233051432 5,028 153,572 SH   SOLE 0 153,572 0 0
ISHARES ESG AWARE MSCI USA ETF ETF 46435G425 332 4,185 SH   SOLE 0 4,184 0 0
XCEL ENERGY INC COM Stock 98389B100 3 48 SH   SOLE 0 48 0 0
AUTOMATIC DATA PROCESSING INC COM Stock 053015103 15 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 4 85 SH   SOLE 0 85 0 0
ISHARES RUSSELL 2000 VALUE ETF ETF 464287630 13 100 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 166 4,396 SH   SOLE 0 4,396 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 106 503 SH   SOLE 0 503 0 0
ISHARES U.S. REAL ESTATE ETF ETF 464287739 11 129 SH   SOLE 0 129 0 0
INVESCO BULLETSHARES 2027 CORPORATE BOND ETF ETF 46138J783 871 46,774 SH   SOLE 0 46,774 0 0
INVESCO BULLETSHARES 2025 HIGH YIELD CORPORATE BOND ETF ETF 46138J817 123 5,676 SH   SOLE 0 5,676 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804 688 7,892 SH   SOLE 0 7,892 0 0
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9 56 2,414 SH   SOLE 0 2,414 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 381 1,425 SH   SOLE 0 1,425 0 0
ALPHABET INC CAP STK CL A Stock 02079K305 26 273 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 247 1,062 SH   SOLE 0 1,062 0 0
INVESCO BULLETSHARES 2026 CORPORATE BOND ETF ETF 46138J791 2,888 154,950 SH   SOLE 0 154,949 0 0
INVESCO BULLETSHARES 2028 CORPORATE BOND ETF ETF 46138J643 58 3,045 SH   SOLE 0 3,045 0 0
INVESCO BULLETSHARES 2026 HIGH YIELD CORPORATE BOND ETF ETF 46138J635 67 3,058 SH   SOLE 0 3,058 0 0
VANGUARD SMALL-CAP ETF ETF 922908751 8,001 46,816 SH   SOLE 0 46,816 0 0
VANGUARD MID-CAP INDEX FUND ETF 922908629 8,614 45,823 SH   SOLE 0 45,822 0 0
VANGUARD LARGE-CAP ETF ETF 922908637 9,965 60,924 SH   SOLE 0 60,923 0 0
NEXTERA ENERGY INC COM Stock 65339F101 94 1,200 SH   SOLE 0 1,200 0 0
NIKE INC CL B Stock 654106103 3 39 SH   SOLE 0 39 0 0
VANGUARD SHORT-TERM TREASURY ETF ETF 92206C102 30 517 SH   SOLE 0 517 0 0
ISHARES BLOOMBERG ROLL SELECT COMMODITY STRATEGY ETF ETF 46431W598 486 8,830 SH   SOLE 0 8,830 0 0
ISHARES ESG AWARE U.S. AGGREGATE BOND ETF ETF 46435U549 210 4,520 SH   SOLE 0 4,520 0 0
VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 14 62 SH   SOLE 0 62 0 0
SCHWAB US TIPS ETF ETF 808524870 88 1,691 SH   SOLE 0 1,691 0 0
DOLLAR TREE INC COM Stock 256746108 4 31 SH   SOLE 0 31 0 0
DOW INC COM Stock 260557103 4 85 SH   SOLE 0 85 0 0
ARCH CAP GROUP LTD ORD Stock G0450A105 12 273 SH   SOLE 0 273 0 0
VANGUARD S&P 500 ETF ETF 922908363 56 171 SH   SOLE 0 171 0 0
SPDR S&P MIDCAP 400 ETF TRUST ETF 78467Y107 49 123 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 454 3,569 SH   SOLE 0 3,569 0 0
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 296 3,085 SH   SOLE 0 3,085 0 0
SPDR S&P 400 MID CAP GROWTH ETF ETF 78464A821 39 648 SH   SOLE 0 648 0 0
INVESCO BULLETSHARES 2023 MUNICIPAL BOND ETF ETF 46138J544 192 7,757 SH   SOLE 0 7,757 0 0
INVESCO BULLETSHARES 2024 MUNICIPAL BOND ETF ETF 46138J536 258 10,579 SH   SOLE 0 10,579 0 0
INVESCO BULLETSHARES 2027 HIGH YIELD CORPORATE BOND ETF ETF 46138J585 31 1,492 SH   SOLE 0 1,492 0 0
INVESCO BULLETSHARES 2025 MUNICIPAL BOND ETF ETF 46138J528 255 10,703 SH   SOLE 0 10,703 0 0
ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473 36 373 SH   SOLE 0 373 0 0
INVESCO BULLETSHARES 2026 MUNICIPAL BOND ETF ETF 46138J510 187 8,195 SH   SOLE 0 8,195 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655 196 1,186 SH   SOLE 0 1,186 0 0
INVESCO BULLETSHARES 2027 MUNICIPAL BOND ETF ETF 46138J494 188 8,243 SH   SOLE 0 8,243 0 0
INVESCO BULLETSHARES 2028 MUNICIPAL BOND ETF ETF 46138J486 50 2,226 SH   SOLE 0 2,226 0 0
DUKE ENERGY CORP NEW COM NEW Stock 26441C204 13 144 SH   SOLE 0 144 0 0
SCHWAB LONG-TERM U.S. TREASURY ETF ETF 808524680 28 777 SH   SOLE 0 777 0 0
AFLAC INC COM Stock 001055102 34 600 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 39 360 SH   SOLE 0 360 0 0
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481 33 426 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 73 330 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 26 208 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 12 194 SH   SOLE 0 194 0 0
NVIDIA CORPORATION COM Stock 67066G104 27 220 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 506 10,484 SH   SOLE 0 10,484 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835 6,054 84,873 SH   SOLE 0 84,872 0 0
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775 18 401 SH   SOLE 0 401 0 0
ISHARES MSCI EM ESG SELECT ETF ETF 46434G863 10 370 SH   SOLE 0 369 0 0
MCDONALDS CORP COM Stock 580135101 3 15 SH   SOLE 0 15 0 0
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407 5,230 109,581 SH   SOLE 0 109,580 0 0
ISHARES RUSSELL MIDCAP ETF ETF 464287499 180 2,891 SH   SOLE 0 2,891 0 0
AT&T INC COM Stock 00206R102 5 299 SH   SOLE 0 299 0 0
ISHARES IBOXX HIGH YIELD CORPORATE BOND ETF ETF 464288513 264 3,696 SH   SOLE 0 3,696 0 0
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887 38 378 SH   SOLE 0 378 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 492 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 281 12,178 SH   SOLE 0 12,178 0 0
INVESCO BULLETSHARES 2022 CORPORATE BOND ETF ETF 46138J882 3,293 155,463 SH   SOLE 0 155,462 0 0
UNION PAC CORP COM Stock 907818108 4 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 3 8 SH   SOLE 0 8 0 0
JPMORGAN CHASE & CO COM Stock 46625H100 33 318 SH   SOLE 0 318 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 9,360 257,437 SH   SOLE 0 257,437 0 0
DANAHER CORPORATION COM Stock 235851102 6 24 SH   SOLE 0 24 0 0
BK OF AMERICA CORP COM Stock 060505104 47 1,561 SH   SOLE 0 1,561 0 0
SPDR S&P DIVIDEND ETF ETF 78464A763 95 850 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 4 49 SH   SOLE 0 49 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 469 12,846 SH   SOLE 0 12,846 0 0
TEXAS INSTRS INC COM Stock 882508104 5 31 SH   SOLE 0 31 0 0
PFIZER INC COM Stock 717081103 15 350 SH   SOLE 0 350 0 0
3M CO COM Stock 88579Y101 12 111 SH   SOLE 0 111 0 0
ALPHABET INC CAP STK CL C Stock 02079K107 33 340 SH   SOLE 0 340 0 0
CHECK POINT SOFTWARE TECH LTD ORD Stock M22465104 2 22 SH   SOLE 0 22 0 0
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 16 119 SH   SOLE 0 119 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 532 5,526 SH   SOLE 0 5,526 0 0
EATON CORP PLC SHS Stock G29183103 4 32 SH   SOLE 0 32 0 0
VICTORYSHARES US EQ INCOME ENHANCED VOLATILITY WTD ETF ETF 92647N824 337 5,685 SH   SOLE 0 5,685 0 0
VICTORYSHARES US 500 ENHANCED VOLATILITY WTD ETF ETF 92647N782 1,246 19,421 SH   SOLE 0 19,420 0 0
INVESCO BULLETSHARES 2023 CORPORATE BOND ETF ETF 46138J866 3,784 181,293 SH   SOLE 0 181,292 0 0
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF ETF 46138J841 3,341 163,844 SH   SOLE 0 163,843 0 0
INVESCO BULLETSHARES 2022 HIGH YIELD CORPORATE BOND ETF ETF 46138J874 410 18,650 SH   SOLE 0 18,650 0 0
VANGUARD LONG-TERM BOND ETF ETF 921937793 3,446 47,896 SH   SOLE 0 47,895 0 0
NATIONAL RETAIL PROPERTIES INC COM REIT 637417106 45 1,125 SH   SOLE 0 1,125 0 0
DELTA AIR LINES INC DEL COM NEW Stock 247361702 4 145 SH   SOLE 0 145 0 0
VICTORYSHARES DEVELOPED ENHANCED VOLATILITY WTD ETF ETF 92647N816 222 7,674 SH   SOLE 0 7,674 0 0
VANGUARD SHORT-TERM BOND ETF ETF 921937827 35 464 SH   SOLE 0 464 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689 25 122 SH   SOLE 0 122 0 0
ISHARES GSCI COMMODITY DYNAMIC ROLL STRATEGY ETF ETF 46431W853 20 572 SH   SOLE 0 572 0 0
CITIGROUP INC COM NEW Stock 172967424 14 330 SH   SOLE 0 330 0 0
EXXON MOBIL CORP COM Stock 30231G102 38 432 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 2 29 SH   SOLE 0 29 0 0
ETFMG PRIME MOBILE PAYMENTS ETF ETF 26924G409 11 300 SH   SOLE 0 300 0 0
BLACKROCK INC COM Stock 09247X101 2 4 SH   SOLE 0 4 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507 359 1,638 SH   SOLE 0 1,638 0 0
ISHARES S&P GLOBAL CLEAN ENERGY INDEX FUND ETF 464288224 39 2,045 SH   SOLE 0 2,045 0 0
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746 328 6,810 SH   SOLE 0 6,810 0 0
ISHARES MSCI EAFE ETF ETF 464287465 1,049 18,724 SH   SOLE 0 18,724 0 0
APPLE INC COM Stock 037833100 84 607 SH   SOLE 0 607 0 0
WEC ENERGY GROUP INC COM Stock 92939U106 48 541 SH   SOLE 0 540 0 0
ISHARES IBONDS DEC 2023 TERM CORPORATE ETF ETF 46434VAX8 84 3,367 SH   SOLE 0 3,367 0 0
ISHARES IBONDS DEC 2025 TERM CORPORATE ETF ETF 46434VBD1 258 10,703 SH   SOLE 0 10,703 0 0
ISHARES IBONDS DEC 2024 TERM CORPORATE ETF ETF 46434VBG4 265 10,868 SH   SOLE 0 10,868 0 0
ISHARES RUSSELL 1000 ETF ETF 464287622 34 170 SH   SOLE 0 170 0 0
MARSH & MCLENNAN COS INC COM Stock 571748102 4 28 SH   SOLE 0 28 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 5 34 SH   SOLE 0 34 0 0