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
AMAZON COM INC COM Stock 023135106   83,665 810 SH   SOLE 0 810 0 0
SIRIUS XM HOLDINGS INC COM Stock 82968B103   377 95 SH   SOLE 0 95 0 0
INVESCO QQQ TRUST ETF 46090E103   384,153 1,197 SH   SOLE 0 1,197 0 0
WISDOMTREE U.S. SMALLCAP FUND ETF 97717W562   70,362 1,628 SH   SOLE 0 1,628 0 0
INVESCO BULLETSHARES 2023 HIGH YIELD CORPORATE BOND ETF ETF 46138J858   1,521,586 64,597 SH   SOLE 0 64,597 0 0
ISHARES GOLD TRUST ETF 464285204   106,878 2,860 SH   SOLE 0 2,860 0 0
ISHARES CORE INTERNATIONAL AGGREGATE BOND ETF ETF 46435G672   782,172 15,979 SH   SOLE 0 15,979 0 0
JOHNSON & JOHNSON COM Stock 478160104   3,100 20 SH   SOLE 0 20 0 0
WASTE MGMT INC DEL COM Stock 94106L109   5,385 33 SH   SOLE 0 33 0 0
ABB LTD SPONSORED ADR ADR 000375204   264,282 7,705 SH   SOLE 0 7,705 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   379,422 1,859 SH   SOLE 0 1,859 0 0
INVESCO WATER RESOURCES ETF ETF 46137V142   20,486 384 SH   SOLE 0 384 0 0
PROCTER AND GAMBLE CO COM Stock 742718109   18,719 126 SH   SOLE 0 125 0 0
COCA COLA CO COM Stock 191216100   32,566 525 SH   SOLE 0 525 0 0
TRUIST FINL CORP COM Stock 89832Q109   29,087 853 SH   SOLE 0 853 0 0
INVESCO BULLETSHARES 2025 CORPORATE BOND ETF ETF 46138J825   3,842,834 189,489 SH   SOLE 0 189,488 0 0
VANGUARD REAL ESTATE ETF ETF 922908553   11,281,403 135,855 SH   SOLE 0 135,855 0 0
CARNIVAL CORP COMMON STOCK Stock 143658300   1,015 100 SH   SOLE 0 100 0 0
INTEL CORP COM Stock 458140100   14,015 429 SH   SOLE 0 429 0 0
ISHARES SILVER TRUST ETF 46428Q109   29,353 1,327 SH   SOLE 0 1,327 0 0
ISHARES ESG AWARE MSCI EAFE ETF ETF 46435G516   239,312 3,331 SH   SOLE 0 3,331 0 0
ISHARES ESG ADVANCED HIGH YIELD CORPORATE BOND ETF ETF 46435G441   72,722 1,639 SH   SOLE 0 1,639 0 0
MERCK & CO INC COM Stock 58933Y105   48,620 457 SH   SOLE 0 457 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   2,866 7 SH   SOLE 0 7 0 0
WISDOMTREE U.S. MIDCAP FUND ETF 97717W570   69,387 1,395 SH   SOLE 0 1,395 0 0
ISHARES CORE CONSERVATIVE ALLOCATION ETF ETF 464289883   4,720 135 SH   SOLE 0 135 0 0
ISHARES TIPS BOND ETF ETF 464287176   6,323,246 57,354 SH   SOLE 0 57,353 0 0
INVESCO BULLETSHARES 2024 HIGH YIELD CORPORATE BOND ETF ETF 46138J833   1,513,419 67,401 SH   SOLE 0 67,400 0 0
INVESCO S&P MIDCAP 400 PURE GROWTH ETF ETF 46137V217   56,773 310 SH   SOLE 0 310 0 0
CHUBB LIMITED COM Stock H1467J104   54,759 282 SH   SOLE 0 282 0 0
ISHARES COHEN & STEERS REIT ETF ETF 464287564   915,632 16,486 SH   SOLE 0 16,486 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF ETF 464287457   1,767,988 21,519 SH   SOLE 0 21,518 0 0
ISHARES INTERNATIONAL DEVELOPED PROPERTY ETF ETF 464288422   438,127 16,289 SH   SOLE 0 16,288 0 0
XTRACKERS USD HIGH YIELD CORPORATE BOND ETF ETF 233051432   2,799,234 80,553 SH   SOLE 0 80,553 0 0
ISHARES ESG AWARE MSCI USA ETF ETF 46435G425   367,280 4,061 SH   SOLE 0 4,060 0 0
XCEL ENERGY INC COM Stock 98389B100   3,237 48 SH   SOLE 0 48 0 0
AUTOMATIC DATA PROCESSING INC COM Stock 053015103   14,916 67 SH   SOLE 0 67 0 0
BRIGHTHOUSE FINL INC COM Stock 10922N103   1,059 24 SH   SOLE 0 24 0 0
ISHARES RUSSELL 2000 VALUE ETF ETF 464287630   13,702 100 SH   SOLE 0 100 0 0
SPDR GOLD SHARES ETF 78463V107   3,848 21 SH   SOLE 0 21 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   184,324 4,396 SH   SOLE 0 4,396 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   122,898 503 SH   SOLE 0 503 0 0
ISHARES U.S. REAL ESTATE ETF ETF 464287739   10,952 129 SH   SOLE 0 129 0 0
INVESCO BULLETSHARES 2027 CORPORATE BOND ETF ETF 46138J783   3,424,050 177,366 SH   SOLE 0 177,365 0 0
INVESCO BULLETSHARES 2025 HIGH YIELD CORPORATE BOND ETF ETF 46138J817   327,017 14,547 SH   SOLE 0 14,547 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   813,537 8,413 SH   SOLE 0 8,413 0 0
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9   161,118 6,764 SH   SOLE 0 6,764 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   439,997 1,425 SH   SOLE 0 1,425 0 0
ALPHABET INC CAP STK CL A Stock 02079K305   28,292 273 SH   SOLE 0 272 0 0
OREILLY AUTOMOTIVE INC COM Stock 67103H107   6,792 8 SH   SOLE 0 8 0 0
MICROSOFT CORP COM Stock 594918104   256,299 889 SH   SOLE 0 889 0 0
WARNER BROS DISCOVERY INC COM SER A Stock 934423104   1,072 71 SH   SOLE 0 71 0 0
INVESCO BULLETSHARES 2026 CORPORATE BOND ETF ETF 46138J791   3,804,383 198,559 SH   SOLE 0 198,558 0 0
INVESCO BULLETSHARES 2028 CORPORATE BOND ETF ETF 46138J643   3,104,275 154,677 SH   SOLE 0 154,677 0 0
INVESCO BULLETSHARES 2026 HIGH YIELD CORP BOND ETF ETF 46138J635   86,338 3,776 SH   SOLE 0 3,776 0 0
VANGUARD SMALL-CAP ETF ETF 922908751   9,589,083 50,586 SH   SOLE 0 50,586 0 0
VANGUARD MID-CAP ETF ETF 922908629   10,349,793 49,070 SH   SOLE 0 49,069 0 0
VANGUARD LARGE-CAP ETF ETF 922908637   13,084,588 70,042 SH   SOLE 0 70,042 0 0
NEXTERA ENERGY INC COM Stock 65339F101   30,801 400 SH   SOLE 0 399 0 0
NIKE INC CL B Stock 654106103   4,783 39 SH   SOLE 0 39 0 0
VANGUARD SHORT-TERM TREASURY ETF ETF 92206C102   26,517 453 SH   SOLE 0 452 0 0
ISHARES BLOOMBERG ROLL SELECT COMMODITY STRATEGY ETF ETF 46431W598   3,965,261 76,965 SH   SOLE 0 76,965 0 0
ISHARES ESG AWARE US AGGREGATE BOND ETF ETF 46435U549   178,118 3,706 SH   SOLE 0 3,706 0 0
VANGUARD HEALTH CARE ETF ETF 92204A504   14,785 62 SH   SOLE 0 62 0 0
SCHWAB US TIPS ETF ETF 808524870   658,867 12,290 SH   SOLE 0 12,290 0 0
DOLLAR TREE INC COM Stock 256746108   4,450 31 SH   SOLE 0 31 0 0
ARCH CAP GROUP LTD ORD Stock G0450A105   18,529 273 SH   SOLE 0 273 0 0
VANGUARD S&P 500 ETF ETF 922908363   62,052 165 SH   SOLE 0 165 0 0
VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF ETF 922042676   108,241 2,668 SH   SOLE 0 2,668 0 0
SPDR S&P MIDCAP 400 ETF TRUST ETF 78467Y107   56,384 123 SH   SOLE 0 123 0 0
CORTEVA INC COM Stock 22052L104   5,126 85 SH   SOLE 0 85 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357   516,149 3,569 SH   SOLE 0 3,569 0 0
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747   210,765 2,124 SH   SOLE 0 2,124 0 0
SPDR S&P 400 MID CAP GROWTH ETF ETF 78464A821   44,349 648 SH   SOLE 0 648 0 0
INVESCO BULLETSHARES 2029 CORPORATE BOND ETF ETF 46138J577   802,261 43,852 SH   SOLE 0 43,851 0 0
INVESCO BULLETSHARES 2023 MUNICIPAL BOND ETF ETF 46138J544   803,046 31,994 SH   SOLE 0 31,993 0 0
INVESCO BULLETSHARES 2024 MUNICIPAL BOND ETF ETF 46138J536   263,378 10,579 SH   SOLE 0 10,579 0 0
INVESCO BULLETSHARES 2027 HIGH YIELD CORPORATE BOND ETF ETF 46138J585   32,581 1,492 SH   SOLE 0 1,492 0 0
INVESCO BULLETSHARES 2025 MUNICIPAL BOND ETF ETF 46138J528   487,204 19,853 SH   SOLE 0 19,853 0 0
ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473   39,613 373 SH   SOLE 0 373 0 0
INVESCO BULLETSHARES 2026 MUNICIPAL BOND ETF ETF 46138J510   253,240 10,645 SH   SOLE 0 10,645 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655   203,376 1,140 SH   SOLE 0 1,140 0 0
INVESCO BULLETSHARES 2027 MUNICIPAL BOND ETF ETF 46138J494   274,839 11,514 SH   SOLE 0 11,514 0 0
INVESCO BULLETSHARES 2028 MUNICIPAL BOND ETF ETF 46138J486   286,830 12,123 SH   SOLE 0 12,123 0 0
DUKE ENERGY CORP NEW COM NEW Stock 26441C204   4,626 48 SH   SOLE 0 47 0 0
ISHARES IBONDS DEC 2027 TERM TREASURY ETF ETF 46436E841   24,224 1,069 SH   SOLE 0 1,069 0 0
ISHARES IBONDS DEC 2023 TERM TREASURY ETF ETF 46436E882   347,974 14,026 SH   SOLE 0 14,025 0 0
ISHARES IBONDS DEC 2024 TERM TREASURY ETF ETF 46436E874   468,559 19,515 SH   SOLE 0 19,515 0 0
ISHARES IBONDS DEC 2025 TERM TREASURY ETF ETF 46436E866   467,589 19,872 SH   SOLE 0 19,872 0 0
ISHARES IBONDS DEC 2026 TERM TREASURY ETF ETF 46436E858   120,131 5,205 SH   SOLE 0 5,205 0 0
SCHWAB LONG-TERM U.S. TREASURY ETF ETF 808524680   29,106 777 SH   SOLE 0 777 0 0
AFLAC INC COM Stock 001055102   38,712 600 SH   SOLE 0 600 0 0
SYSCO CORP COM Stock 871829107   2,858 37 SH   SOLE 0 37 0 0
BLACKROCK MUNIVEST FD INC COM CEF 09253R105   3,059 442 SH   SOLE 0 442 0 0
INVESCO BULLETSHARES 2029 MUNICIPAL BOND ETF ETF 46138J478   67,261 2,876 SH   SOLE 0 2,876 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168   42,185 360 SH   SOLE 0 360 0 0
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481   38,787 426 SH   SOLE 0 426 0 0
AIRBNB INC COM CL A Stock 009066101   622 5 SH   SOLE 0 5 0 0
STAG INDL INC COM REIT 85254J102   203 6 SH   SOLE 0 6 0 0
ORGANON & CO COMMON STOCK Stock 68622V106   988 42 SH   SOLE 0 42 0 0
HERSHEY CO COM Stock 427866108   27,957 110 SH   SOLE 0 109 0 0
PROSHARES BITCOIN STRATEGY ETF ETF 74347G440   88 5 SH   SOLE 0 5 0 0
META PLATFORMS INC CL A Stock 30303M102   1,272 6 SH   SOLE 0 6 0 0
FMC CORP COM NEW Stock 302491303   3,420 28 SH   SOLE 0 28 0 0
STRIVE U.S. ENERGY ETF ETF 02072L722   528 19 SH   SOLE 0 19 0 0
METLIFE INC COM Stock 59156R108   11,240 194 SH   SOLE 0 194 0 0
NVIDIA CORPORATION COM Stock 67066G104   61,109 220 SH   SOLE 0 220 0 0
ABBVIE INC COM Stock 00287Y109   4,940 31 SH   SOLE 0 31 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103   13,612 279 SH   SOLE 0 279 0 0
ISHARES 10 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464289511   395,530 7,550 SH   SOLE 0 7,549 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   6,813,773 92,290 SH   SOLE 0 92,290 0 0
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775   21,441 401 SH   SOLE 0 401 0 0
ISHARES ESG AWARE MSCI EM ETF ETF 46434G863   12,512 397 SH   SOLE 0 397 0 0
MCDONALDS CORP COM Stock 580135101   4,194 15 SH   SOLE 0 15 0 0
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407   6,161,374 125,948 SH   SOLE 0 125,947 0 0
ISHARES RUSSELL MIDCAP ETF ETF 464287499   199,272 2,850 SH   SOLE 0 2,850 0 0
AT&T INC COM Stock 00206R102   5,756 299 SH   SOLE 0 299 0 0
ISHARES IBOXX HIGH YIELD CORPORATE BOND ETF ETF 464288513   117,556 1,556 SH   SOLE 0 1,556 0 0
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887   37,380 340 SH   SOLE 0 340 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   668,400 1,626 SH   SOLE 0 1,626 0 0
THE CIGNA GROUP COM Stock 125523100   32,516 127 SH   SOLE 0 127 0 0
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0   315,846 13,310 SH   SOLE 0 13,310 0 0
UNION PAC CORP COM Stock 907818108   4,629 23 SH   SOLE 0 23 0 0
MICROCHIP TECHNOLOGY INC. COM Stock 595017104   2,849 34 SH   SOLE 0 34 0 0
LOCKHEED MARTIN CORP COM Stock 539830109   3,782 8 SH   SOLE 0 8 0 0
JPMORGAN CHASE & CO COM Stock 46625H100   41,439 318 SH   SOLE 0 318 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   12,390,770 274,314 SH   SOLE 0 274,314 0 0
DANAHER CORPORATION COM Stock 235851102   6,049 24 SH   SOLE 0 24 0 0
BANK AMERICA CORP COM Stock 060505104   50,965 1,782 SH   SOLE 0 1,782 0 0
SPDR S&P DIVIDEND ETF ETF 78464A763   105,154 850 SH   SOLE 0 850 0 0
ORACLE CORP COM Stock 68389X105   3,903 42 SH   SOLE 0 42 0 0
RAYTHEON TECHNOLOGIES CORP COM Stock 75513E101   4,799 49 SH   SOLE 0 49 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   627,143 15,523 SH   SOLE 0 15,523 0 0
TEXAS INSTRS INC COM Stock 882508104   5,766 31 SH   SOLE 0 31 0 0
PFIZER INC COM Stock 717081103   49,348 1,210 SH   SOLE 0 1,209 0 0
ALPHABET INC CAP STK CL C Stock 02079K107   39,520 380 SH   SOLE 0 380 0 0
ARISTA NETWORKS INC COM Stock 040413106   33,572 200 SH   SOLE 0 200 0 0
CHECK POINT SOFTWARE TECH LTD ORD Stock M22465104   2,860 22 SH   SOLE 0 22 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   18,327 119 SH   SOLE 0 119 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   569,144 5,712 SH   SOLE 0 5,712 0 0
EATON CORP PLC SHS Stock G29183103   5,483 32 SH   SOLE 0 32 0 0
VICTORYSHARES US EQ INCOME ENHANCED VOLATILITY WTD ETF ETF 92647N824   366,812 6,051 SH   SOLE 0 6,051 0 0
VICTORYSHARES US 500 ENHANCED VOLATILITY WTD ETF ETF 92647N782   1,171,794 18,808 SH   SOLE 0 18,807 0 0
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879   35,845 383 SH   SOLE 0 383 0 0
INVESCO BULLETSHARES 2023 CORPORATE BOND ETF ETF 46138J866   4,242,675 201,265 SH   SOLE 0 201,265 0 0
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF ETF 46138J841   4,103,292 199,286 SH   SOLE 0 199,285 0 0
VANGUARD LONG-TERM BOND ETF ETF 921937793   2,785,245 36,342 SH   SOLE 0 36,341 0 0
NATIONAL RETAIL PROPERTIES INC COM REIT 637417106   49,669 1,125 SH   SOLE 0 1,125 0 0
VICTORYSHARES DEVELOPED ENHANCED VOLATILITY WTD ETF ETF 92647N816   231,602 7,447 SH   SOLE 0 7,447 0 0
VANGUARD SHORT-TERM BOND ETF ETF 921937827   35,491 464 SH   SOLE 0 464 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689   28,720 122 SH   SOLE 0 122 0 0
ISHARES U.S. ETF TRUST ISHARES GSCI COMMODITY DYNAMIC ROLL STRATEGY ETF ETF 46431W853   15,461 572 SH   SOLE 0 572 0 0
CITIGROUP INC COM NEW Stock 172967424   25,190 537 SH   SOLE 0 537 0 0
EXXON MOBIL CORP COM Stock 30231G102   15,775 144 SH   SOLE 0 143 0 0
TRAVELERS COMPANIES INC COM Stock 89417E109   153,583 896 SH   SOLE 0 896 0 0
PAYPAL HLDGS INC COM Stock 70450Y103   2,202 29 SH   SOLE 0 29 0 0
BLACKROCK INC COM Stock 09247X101   2,676 4 SH   SOLE 0 4 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   618,145 2,471 SH   SOLE 0 2,471 0 0
ISHARES GLOBAL CLEAN ENERGY ETF ETF 464288224   40,450 2,045 SH   SOLE 0 2,045 0 0
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746   344,995 6,810 SH   SOLE 0 6,810 0 0
ISHARES MSCI EAFE ETF ETF 464287465   1,876,613 26,239 SH   SOLE 0 26,239 0 0
APPLE INC COM Stock 037833100   106,690 647 SH   SOLE 0 647 0 0
WEC ENERGY GROUP INC COM Stock 92939U106   51,248 541 SH   SOLE 0 540 0 0
ISHARES IBONDS DEC 2023 TERM CORPORATE ETF ETF 46434VAX8   126,202 5,010 SH   SOLE 0 5,010 0 0
ISHARES IBONDS DEC 2025 TERM CORPORATE ETF ETF 46434VBD1   293,796 11,977 SH   SOLE 0 11,977 0 0
ISHARES IBONDS DEC 2024 TERM CORPORATE ETF ETF 46434VBG4   281,260 11,438 SH   SOLE 0 11,438 0 0
ISHARES RUSSELL 1000 ETF ETF 464287622   38,289 170 SH   SOLE 0 170 0 0
MARSH & MCLENNAN COS INC COM Stock 571748102   4,663 28 SH   SOLE 0 28 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   37,914 249 SH   SOLE 0 249 0 0