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
CVS HEALTH CORP COM 126650100   502,852 7,274 SH   SOLE   0 0 7,274
CHEVRON CORP NEW COM 166764100   1,516,225 9,636 SH   SOLE   0 0 9,636
CINTAS CORP COM 172908105   919,598 1,850 SH   SOLE   0 0 1,850
DISNEY WALT CO COM 254687106   850,125 9,522 SH   SOLE   0 0 9,522
DOVER CORP COM 260003108   1,684,539 11,409 SH   SOLE   0 0 11,409
FORD MTR CO DEL COM 345370860   694,782 45,921 SH   SOLE   0 0 45,921
GILEAD SCIENCES INC COM 375558103   1,429,418 18,547 SH   SOLE   0 0 18,547
HOME DEPOT INC COM 437076102   1,038,470 3,343 SH   SOLE   0 0 3,343
INTEL CORP COM 458140100   1,875,111 56,074 SH   SOLE   0 0 56,074
INTERNATIONAL BUSINESS MACHS COM 459200101   933,727 6,978 SH   SOLE   0 0 6,978
INTUIT COM 461202103   239,176 522 SH   SOLE   0 0 522
ISHARES TR CORE S&P500 ETF 464287200   1,348,719 3,026 SH   SOLE   0 0 3,026
ISHARES TR IBOXX INV CP ETF 464287242   1,158,396 10,712 SH   SOLE   0 0 10,712
ISHARES TR MSCI EAFE ETF 464287465   2,625,080 36,208 SH   SOLE   0 0 36,208
ISHARES TR RUS MD CP GR ETF 464287481   792,366 8,200 SH   SOLE   0 0 8,200
ISHARES TR RUS 1000 GRW ETF 464287614   2,192,519 7,968 SH   SOLE   0 0 7,968
ISHARES TR RUS 1000 ETF 464287622   229,116 940 SH   SOLE   0 0 940
ISHARES TR CORE S&P SCP ETF 464287804   6,650,048 66,734 SH   SOLE   0 0 66,734
ISHARES TR NATIONAL MUN ETF 464288414   2,612,020 24,473 SH   SOLE   0 0 24,473
ISHARES TR PFD AND INCM SEC 464288687   1,347,884 43,579 SH   SOLE   0 0 43,579
JOHNSON & JOHNSON COM 478160104   1,831,157 11,063 SH   SOLE   0 0 11,063
LILLY ELI & CO COM 532457108   2,348,652 5,008 SH   SOLE   0 0 5,008
LOWES COS INC COM 548661107   302,438 1,340 SH   SOLE   0 0 1,340
MCDONALDS CORP COM 580135101   2,406,677 8,065 SH   SOLE   0 0 8,065
MICROSOFT CORP COM 594918104   3,554,022 10,436 SH   SOLE   0 0 10,436
NIKE INC CL B 654106103   1,692,733 15,337 SH   SOLE   0 0 15,337
OLD REP INTL CORP COM 680223104   1,306,726 51,916 SH   SOLE   0 0 51,916
PNC FINL SVCS GROUP INC COM 693475105   578,615 4,594 SH   SOLE   0 0 4,594
PEPSICO INC COM 713448108   1,862,202 10,054 SH   SOLE   0 0 10,054
PROCTER AND GAMBLE CO COM 742718109   870,078 5,734 SH   SOLE   0 0 5,734
PRUDENTIAL FINL INC COM 744320102   732,020 8,298 SH   SOLE   0 0 8,298
QUALCOMM INC COM 747525103   1,082,907 9,097 SH   SOLE   0 0 9,097
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   3,004,828 121,999 SH   SOLE   0 0 121,999
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   261,796 3,605 SH   SOLE   0 0 3,605
SEMPRA COM 816851109   387,270 2,660 SH   SOLE   0 0 2,660
TEXAS INSTRS INC COM 882508104   283,892 1,577 SH   SOLE   0 0 1,577
THERMO FISHER SCIENTIFIC INC COM 883556102   477,923 916 SH   SOLE   0 0 916
TOYOTA MOTOR CORP ADS 892331307   967,715 6,020 SH   SOLE   0 0 6,020
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   7,380,930 159,830 SH   SOLE   0 0 159,830
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   600,275 14,756 SH   SOLE   0 0 14,756
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   680,161 1,670 SH   SOLE   0 0 1,670
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,870,233 22,382 SH   SOLE   0 0 22,382
VANGUARD INDEX FDS MID CAP ETF 922908629   760,653 3,455 SH   SOLE   0 0 3,455
VANGUARD INDEX FDS SMALL CP ETF 922908751   777,660 3,910 SH   SOLE   0 0 3,910
WALMART INC COM 931142103   1,932,843 12,297 SH   SOLE   0 0 12,297
WEYERHAEUSER CO MTN BE COM NEW 962166104   241,675 7,212 SH   SOLE   0 0 7,212
AFLAC INC COM 001055102   863,985 12,378 SH   SOLE   0 0 12,378
AT&T INC COM 00206R102   602,945 37,802 SH   SOLE   0 0 37,802
ABBOTT LABS COM 002824100   1,355,337 12,432 SH   SOLE   0 0 12,432
ABBVIE INC COM 00287Y109   1,546,970 11,482 SH   SOLE   0 0 11,482
ACTIVISION BLIZZARD INC COM 00507V109   702,894 8,338 SH   SOLE   0 0 8,338
ADOBE SYSTEMS INCORPORATED COM 00724F101   722,728 1,478 SH   SOLE   0 0 1,478
ALPHABET INC CAP STK CL C 02079K107   899,775 7,438 SH   SOLE   0 0 7,438
ALPHABET INC CAP STK CL A 02079K305   931,027 7,778 SH   SOLE   0 0 7,778
AMAZON COM INC COM 023135106   2,242,584 17,203 SH   SOLE   0 0 17,203
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   399,582 6,942 SH   SOLE   0 0 6,942
AMERICAN CENTY ETF TR US SML CP VALU 025072877   1,115,023 14,367 SH   SOLE   0 0 14,367
APPLE INC COM 037833100   6,288,896 32,422 SH   SOLE   0 0 32,422
ARCHER DANIELS MIDLAND CO COM 039483102   999,281 13,225 SH   SOLE   0 0 13,225
AUTOMATIC DATA PROCESSING IN COM 053015103   527,277 2,399 SH   SOLE   0 0 2,399
BANK AMERICA CORP COM 060505104   1,365,817 47,606 SH   SOLE   0 0 47,606
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   242,110 710 SH   SOLE   0 0 710
BLACKROCK INC COM 09247X101   584,705 846 SH   SOLE   0 0 846
BOEING CO COM 097023105   1,330,998 6,303 SH   SOLE   0 0 6,303
CARDINAL HEALTH INC COM 14149Y108   702,372 7,427 SH   SOLE   0 0 7,427
CISCO SYS INC COM 17275R102   1,325,683 25,622 SH   SOLE   0 0 25,622
CONOCOPHILLIPS COM 20825C104   207,739 2,005 SH   SOLE   0 0 2,005
CONSTELLATION ENERGY CORP COM 21037T109   377,370 4,122 SH   SOLE   0 0 4,122
COSTCO WHSL CORP NEW COM 22160K105   3,874,183 7,196 SH   SOLE   0 0 7,196
EXELON CORP COM 30161N101   1,690,548 41,496 SH   SOLE   0 0 41,496
EXXON MOBIL CORP COM 30231G102   641,248 5,979 SH   SOLE   0 0 5,979
META PLATFORMS INC CL A 30303M102   826,503 2,880 SH   SOLE   0 0 2,880
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   3,108,076 194,620 SH   SOLE   0 0 194,620
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   3,962,771 78,192 SH   SOLE   0 0 78,192
FIRST TR EXCHNG TRADED FD VI TCW UNCONSTRAI 33740F888   4,949,726 204,788 SH   SOLE   0 0 204,788
FLEXSHARES TR MORNSTAR UPSTR 33939L407   1,201,499 29,985 SH   SOLE   0 0 29,985
FLEXSHARES TR HIG YLD VL ETF 33939L662   345,439 8,542 SH   SOLE   0 0 8,542
GOLDMAN SACHS GROUP INC COM 38141G104   599,925 1,860 SH   SOLE   0 0 1,860
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   2,228,938 196,037 SH   SOLE   0 0 196,037
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870   678,252 30,483 SH   SOLE   0 0 30,483
ISHARES TR 0-5YR HI YL CP 46434V407   1,724,279 41,599 SH   SOLE   0 0 41,599
JPMORGAN CHASE & CO COM 46625H100   2,256,979 15,518 SH   SOLE   0 0 15,518
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   219,329 3,964 SH   SOLE   0 0 3,964
J P MORGAN EXCHANGE TRADED F JPMORGAN DIVER 46641Q407   1,939,501 19,837 SH   SOLE   0 0 19,837
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   307,836 6,140 SH   SOLE   0 0 6,140
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852   1,549,352 33,248 SH   SOLE   0 0 33,248
ZIFF DAVIS INC COM 48123V102   565,805 8,076 SH   SOLE   0 0 8,076
MCKESSON CORP COM 58155Q103   458,504 1,073 SH   SOLE   0 0 1,073
NETFLIX INC COM 64110L106   613,163 1,392 SH   SOLE   0 0 1,392
NEXTERA ENERGY INC COM 65339F101   249,312 3,360 SH   SOLE   0 0 3,360
NVIDIA CORPORATION COM 67066G104   1,340,128 3,168 SH   SOLE   0 0 3,168
OREILLY AUTOMOTIVE INC COM 67103H107   208,256 218 SH   SOLE   0 0 218
ORACLE CORP COM 68389X105   1,215,586 10,207 SH   SOLE   0 0 10,207
PRICE T ROWE GROUP INC COM 74144T108   300,886 2,686 SH   SOLE   0 0 2,686
PUBLIC STORAGE COM 74460D109   291,880 1,000 SH   SOLE   0 0 1,000
SK TELECOM LTD SPONSORED ADR 78440P306   463,870 23,776 SH   SOLE   0 0 23,776
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,974,489 11,222 SH   SOLE   0 0 11,222
SALESFORCE INC COM 79466L302   1,089,891 5,159 SH   SOLE   0 0 5,159
3M CO COM 88579Y101   746,672 7,460 SH   SOLE   0 0 7,460
UNITEDHEALTH GROUP INC COM 91324P102   462,857 963 SH   SOLE   0 0 963
VANECK ETF TRUST EMERGING MRKT HI 92189F353   2,589,945 141,527 SH   SOLE   0 0 141,527
VANECK ETF TRUST FALLEN ANGEL HG 92189F437   869,535 31,312 SH   SOLE   0 0 31,312
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   3,057,402 38,318 SH   SOLE   0 0 38,318
VISA INC COM CL A 92826C839   1,468,102 6,182 SH   SOLE   0 0 6,182
WASTE MGMT INC DEL COM 94106L109   408,231 2,354 SH   SOLE   0 0 2,354
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   4,557,565 90,572 SH   SOLE   0 0 90,572
MEDTRONIC PLC SHS G5960L103   1,012,269 11,490 SH   SOLE   0 0 11,490