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
3M CO COM 88579Y101   811,234 6,765 SH   SOLE   6,765 0 0
ABBOTT LABS COM 002824100   1,386,471 12,628 SH   SOLE   12,628 0 0
ABBVIE INC COM 00287Y109   1,882,594 11,649 SH   SOLE   11,649 0 0
ACTIVISION BLIZZARD INC COM 00507V109   728,163 9,512 SH   SOLE   9,512 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   463,066 1,376 SH   SOLE   1,376 0 0
AFLAC INC COM 001055102   911,336 12,668 SH   SOLE   12,668 0 0
ALPHABET INC CAP STK CL C 02079K107   664,145 7,485 SH   SOLE   7,485 0 0
ALPHABET INC CAP STK CL A 02079K305   694,635 7,873 SH   SOLE   7,873 0 0
AMAZON COM INC COM 023135106   1,450,848 17,272 SH   SOLE   17,272 0 0
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   315,828 5,706 SH   SOLE   5,706 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877   1,045,152 14,027 SH   SOLE   14,027 0 0
APPLE INC COM 037833100   4,253,273 32,735 SH   SOLE   32,735 0 0
ARCHER DANIELS MIDLAND CO COM 039483102   1,239,906 13,354 SH   SOLE   13,354 0 0
AT&T INC COM 00206R102   561,654 30,508 SH   SOLE   30,508 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   536,719 2,247 SH   SOLE   2,247 0 0
BANK AMERICA CORP COM 060505104   1,523,258 45,992 SH   SOLE   45,992 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   219,319 710 SH   SOLE   710 0 0
BLACKROCK INC COM 09247X101   565,552 798 SH   SOLE   798 0 0
BOEING CO COM 097023105   1,203,757 6,319 SH   SOLE   6,319 0 0
CARDINAL HEALTH INC COM 14149Y108   633,746 8,244 SH   SOLE   8,244 0 0
CHEVRON CORP NEW COM 166764100   1,769,244 9,857 SH   SOLE   9,857 0 0
CINTAS CORP COM 172908105   840,917 1,862 SH   SOLE   1,862 0 0
CISCO SYS INC COM 17275R102   1,213,849 25,480 SH   SOLE   25,480 0 0
COCA COLA CO COM 191216100   207,178 3,257 SH   SOLE   3,257 0 0
CONSTELLATION ENERGY CORP COM 21037T109   374,589 4,345 SH   SOLE   4,345 0 0
COSTCO WHSL CORP NEW COM 22160K105   3,318,299 7,269 SH   SOLE   7,269 0 0
CVS HEALTH CORP COM 126650100   645,434 6,926 SH   SOLE   6,926 0 0
DISNEY WALT CO COM 254687106   894,343 10,294 SH   SOLE   10,294 0 0
DOVER CORP COM 260003108   1,644,591 12,145 SH   SOLE   12,145 0 0
EXELON CORP COM 30161N101   1,759,199 40,694 SH   SOLE   40,694 0 0
EXXON MOBIL CORP COM 30231G102   640,513 5,807 SH   SOLE   5,807 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   2,529,394 150,559 SH   SOLE   150,559 0 0
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   4,016,618 80,156 SH   SOLE   80,156 0 0
FIRST TR EXCHNG TRADED FD VI TCW UNCONSTRAI 33740F888   3,503,232 145,302 SH   SOLE   145,302 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   848,057 19,509 SH   SOLE   19,509 0 0
FORD MTR CO DEL COM 345370860   525,062 45,147 SH   SOLE   45,147 0 0
GILEAD SCIENCES INC COM 375558103   1,671,500 19,470 SH   SOLE   19,470 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   626,735 1,825 SH   SOLE   1,825 0 0
HOME DEPOT INC COM 437076102   994,079 3,147 SH   SOLE   3,147 0 0
INTEL CORP COM 458140100   1,425,129 53,921 SH   SOLE   53,921 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   915,767 6,500 SH   SOLE   6,500 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   2,152,418 192,524 SH   SOLE   192,524 0 0
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870   864,075 38,592 SH   SOLE   38,592 0 0
ISHARES TR CORE S&P500 ETF 464287200   1,180,678 3,073 SH   SOLE   3,073 0 0
ISHARES TR CORE US AGGBD ET 464287226   497,850 5,133 SH   SOLE   5,133 0 0
ISHARES TR IBOXX INV CP ETF 464287242   1,199,794 11,380 SH   SOLE   11,380 0 0
ISHARES TR MSCI EAFE ETF 464287465   2,554,972 38,924 SH   SOLE   38,924 0 0
ISHARES TR RUS MD CP GR ETF 464287481   685,520 8,200 SH   SOLE   8,200 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   1,843,157 8,603 SH   SOLE   8,603 0 0
ISHARES TR CORE S&P SCP ETF 464287804   6,067,595 64,112 SH   SOLE   64,112 0 0
ISHARES TR NATIONAL MUN ETF 464288414   3,373,599 31,971 SH   SOLE   31,971 0 0
ISHARES TR PFD AND INCM SEC 464288687   1,478,777 48,437 SH   SOLE   48,437 0 0
ISHARES TR 0-5YR HI YL CP 46434V407   1,832,609 44,818 SH   SOLE   44,818 0 0
J P MORGAN EXCHANGE TRADED F JPMORGAN DIVER 46641Q407   1,895,881 20,003 SH   SOLE   20,003 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,133,923 22,620 SH   SOLE   22,620 0 0
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852   1,610,161 35,017 SH   SOLE   35,017 0 0
JOHNSON & JOHNSON COM 478160104   2,009,611 11,376 SH   SOLE   11,376 0 0
JPMORGAN CHASE & CO COM 46625H100   2,086,439 15,559 SH   SOLE   15,559 0 0
LILLY ELI & CO COM 532457108   1,893,252 5,175 SH   SOLE   5,175 0 0
LOWES COS INC COM 548661107   266,982 1,340 SH   SOLE   1,340 0 0
MCDONALDS CORP COM 580135101   2,121,153 8,049 SH   SOLE   8,049 0 0
MCKESSON CORP COM 58155Q103   495,534 1,321 SH   SOLE   1,321 0 0
MEDTRONIC PLC SHS G5960L103   913,988 11,760 SH   SOLE   11,760 0 0
META PLATFORMS INC CL A 30303M102   351,273 2,919 SH   SOLE   2,919 0 0
MICROSOFT CORP COM 594918104   2,586,280 10,784 SH   SOLE   10,784 0 0
NETFLIX INC COM 64110L106   406,640 1,379 SH   SOLE   1,379 0 0
NEXTERA ENERGY INC COM 65339F101   244,363 2,923 SH   SOLE   2,923 0 0
NIKE INC CL B 654106103   1,724,622 14,739 SH   SOLE   14,739 0 0
NVIDIA CORPORATION COM 67066G104   512,222 3,505 SH   SOLE   3,505 0 0
OLD REP INTL CORP COM 680223104   1,263,134 52,304 SH   SOLE   52,304 0 0
ORACLE CORP COM 68389X105   860,046 10,522 SH   SOLE   10,522 0 0
PEPSICO INC COM 713448108   1,959,671 10,847 SH   SOLE   10,847 0 0
PNC FINL SVCS GROUP INC COM 693475105   704,413 4,460 SH   SOLE   4,460 0 0
PRICE T ROWE GROUP INC COM 74144T108   451,291 4,138 SH   SOLE   4,138 0 0
PROCTER AND GAMBLE CO COM 742718109   855,254 5,643 SH   SOLE   5,643 0 0
PRUDENTIAL FINL INC COM 744320102   824,423 8,289 SH   SOLE   8,289 0 0
PUBLIC STORAGE COM 74460D109   280,190 1,000 SH   SOLE   1,000 0 0
QUALCOMM INC COM 747525103   880,988 8,013 SH   SOLE   8,013 0 0
SALESFORCE INC COM 79466L302   660,962 4,985 SH   SOLE   4,985 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,965,178 125,272 SH   SOLE   125,272 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   292,794 3,876 SH   SOLE   3,876 0 0
SEMPRA COM 816851109   423,440 2,740 SH   SOLE   2,740 0 0
SK TELECOM LTD SPONSORED ADR 78440P306   290,690 14,118 SH   SOLE   14,118 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,499,289 11,765 SH   SOLE   11,765 0 0
TEXAS INSTRS INC COM 882508104   245,848 1,488 SH   SOLE   1,488 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   536,923 975 SH   SOLE   975 0 0
TOYOTA MOTOR CORP ADS 892331307   782,740 5,731 SH   SOLE   5,731 0 0
UNITEDHEALTH GROUP INC COM 91324P102   514,805 971 SH   SOLE   971 0 0
VANECK ETF TRUST EMERGING MRKT HI 92189F353   1,760,416 96,673 SH   SOLE   96,673 0 0
VANECK ETF TRUST FALLEN ANGEL HG 92189F437   786,580 29,111 SH   SOLE   29,111 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   2,260,498 34,825 SH   SOLE   34,825 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   334,429 7,051 SH   SOLE   7,051 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   528,416 1,504 SH   SOLE   1,504 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,763,795 21,385 SH   SOLE   21,385 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   907,974 4,455 SH   SOLE   4,455 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   717,275 3,908 SH   SOLE   3,908 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   610,193 15,654 SH   SOLE   15,654 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   6,417,316 152,902 SH   SOLE   152,902 0 0
VISA INC COM CL A 92826C839   1,355,241 6,523 SH   SOLE   6,523 0 0
WALMART INC COM 931142103   1,869,804 13,187 SH   SOLE   13,187 0 0
WASTE MGMT INC DEL COM 94106L109   363,648 2,318 SH   SOLE   2,318 0 0
WEYERHAEUSER CO MTN BE COM NEW 962166104   223,572 7,212 SH   SOLE   7,212 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   1,991,943 39,625 SH   SOLE   39,625 0 0
ZIFF DAVIS INC COM 48123V102   680,260 8,600 SH   SOLE   8,600 0 0