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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   2,892,362 9,418 SH   SOLE   0 0 9,418
APPLE INC COM 037833100   1,311,904 7,663 SH   SOLE   0 0 7,663
APTARGROUP INC COM 038336103   1,776,004 14,203 SH   SOLE   0 0 14,203
BECTON DICKINSON & CO COM 075887109   2,233,409 8,639 SH   SOLE   0 0 8,639
CARLISLE COS INC COM 142339100   1,727,084 6,662 SH   SOLE   0 0 6,662
CHURCH & DWIGHT CO INC COM 171340102   2,206,489 24,080 SH   SOLE   0 0 24,080
CVS HEALTH CORP COM 126650100   3,097,412 44,363 SH   SOLE   0 0 44,363
EXXON MOBIL CORP COM 30231G102   3,027,878 25,752 SH   SOLE   0 0 25,752
FIRST TR EXCH TRD ALPHDX FD EM SML CP ALPH 33737J307   2,086,981 54,264 SH   SOLE   0 0 54,264
FRANCO NEV CORP COM 351858105   2,069,896 15,506 SH   SOLE   0 0 15,506
HOME DEPOT INC COM 437076102   423,326 1,401 SH   SOLE   0 0 1,401
ISHARES TR INTERNATIONAL SL 46434V266   4,136,142 139,829 SH   SOLE   0 0 139,829
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   32,317,982 723,483 SH   SOLE   0 0 723,483
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   8,577,144 177,324 SH   SOLE   0 0 177,324
LOCKHEED MARTIN CORP COM 539830109   215,113 526 SH   SOLE   0 0 526
MICROSOFT CORP COM 594918104   4,855,535 15,378 SH   SOLE   0 0 15,378
PACER FDS TR EMRG MKT CASH 69374H865   3,379,901 176,404 SH   SOLE   0 0 176,404
PEPSICO INC COM 713448108   2,674,113 15,782 SH   SOLE   0 0 15,782
PROCTER AND GAMBLE CO COM 742718109   3,006,259 20,611 SH   SOLE   0 0 20,611
QUALCOMM INC COM 747525103   2,537,995 22,852 SH   SOLE   0 0 22,852
ROSS STORES INC COM 778296103   1,644,026 14,555 SH   SOLE   0 0 14,555
RTX CORPORATION COM 75513E101   2,063,264 28,668 SH   SOLE   0 0 28,668
SCHWAB CHARLES CORP COM 808513105   1,665,446 30,336 SH   SOLE   0 0 30,336
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   18,855,517 266,471 SH   SOLE   0 0 266,471
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   3,972,621 54,629 SH   SOLE   0 0 54,629
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   323,480 7,314 SH   SOLE   0 0 7,314
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   218,471 4,318 SH   SOLE   0 0 4,318
SPDR SER TR PORTFOLIO LN TSR 78464A664   20,748,525 793,443 SH   SOLE   0 0 793,443
SPDR SER TR PORTFOLIO S&P600 78468R853   3,991,781 108,178 SH   SOLE   0 0 108,178
WALMART INC COM 931142103   2,587,207 16,177 SH   SOLE   0 0 16,177