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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
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   5,549,808 15,560 SH   SOLE   0 0 15,560
ABBOTT LABS COM 002824100   1,285,040 11,675 SH   SOLE   0 0 11,675
ABBVIE INC COM 00287Y109   1,033,999 6,672 SH   SOLE   0 0 6,672
AFLAC INC COM 001055102   330,000 4,000 SH   SOLE   0 0 4,000
ALPHABET INC CAP STK CL A 02079K305   3,161,883 22,635 SH   SOLE   0 0 22,635
ALPHABET INC CAP STK CL C 02079K107   1,438,895 10,210 SH   SOLE   0 0 10,210
AMAZON COM INC COM 023135106   2,148,432 14,140 SH   SOLE   0 0 14,140
AMER STATES WTR CO COM 029899101   1,632,543 20,300 SH   SOLE   0 0 20,300
AMERICAN EXPRESS CO COM 025816109   227,325 1,213 SH   SOLE   0 0 1,213
AMERICAN WTR WKS CO INC NEW COM 030420103   5,476,951 41,495 SH   SOLE   0 0 41,495
AMGEN INC COM 031162100   696,864 2,420 SH   SOLE   0 0 2,420
APPLE INC COM 037833100   15,066,725 78,257 SH   SOLE   0 0 78,257
BOEING CO COM 097023105   302,366 1,160 SH   SOLE   0 0 1,160
CALIFORNIA WTR SVC GROUP COM 130788102   1,650,701 31,824 SH   SOLE   0 0 31,824
CAMDEN NATL CORP COM 133034108   264,878 7,039 SH   SOLE   0 0 7,039
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   362,729 15,196 SH   SOLE   0 0 15,196
CATERPILLAR INC COM 149123101   389,841 1,318 SH   SOLE   0 0 1,318
CHEVRON CORP NEW COM 166764100   605,739 4,061 SH   SOLE   0 0 4,061
CISCO SYS INC COM 17275R102   649,586 12,858 SH   SOLE   0 0 12,858
COCA COLA CO COM 191216100   522,249 8,862 SH   SOLE   0 0 8,862
COLGATE PALMOLIVE CO COM 194162103   361,405 4,534 SH   SOLE   0 0 4,534
COLUMBIA ETF TR II EM CORE EX ETF 19762B202   2,299,333 75,961 SH   SOLE   0 0 75,961
CONSOLIDATED EDISON INC COM 209115104   205,410 2,258 SH   SOLE   0 0 2,258
COSTCO WHSL CORP NEW COM 22160K105   2,045,045 3,098 SH   SOLE   0 0 3,098
CSW INDUSTRIALS INC COM 126402106   590,496 2,847 SH   SOLE   0 0 2,847
CVS HEALTH CORP COM 126650100   290,629 3,681 SH   SOLE   0 0 3,681
DBX ETF TR XTRCKR MSCI US 233051150   424,792 9,602 SH   SOLE   0 0 9,602
DEERE & CO COM 244199105   502,610 1,257 SH   SOLE   0 0 1,257
DIAGEO PLC SPON ADR NEW 25243Q205   225,190 1,546 SH   SOLE   0 0 1,546
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   9,818,619 342,829 SH   SOLE   0 0 342,829
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   366,896 10,678 SH   SOLE   0 0 10,678
DISNEY WALT CO COM 254687106   327,199 3,624 SH   SOLE   0 0 3,624
DUKE ENERGY CORP NEW COM NEW 26441C204   1,146,139 11,811 SH   SOLE   0 0 11,811
ELI LILLY & CO COM 532457108   4,064,926 6,973 SH   SOLE   0 0 6,973
EMERSON ELEC CO COM 291011104   216,559 2,225 SH   SOLE   0 0 2,225
ESSENTIAL UTILS INC COM 29670G102   3,375,674 90,379 SH   SOLE   0 0 90,379
EXXON MOBIL CORP COM 30231G102   898,325 8,985 SH   SOLE   0 0 8,985
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   1,548,312 58,098 SH   SOLE   0 0 58,098
GENERAL DYNAMICS CORP COM 369550108   541,334 2,085 SH   SOLE   0 0 2,085
GENERAL MLS INC COM 370334104   247,441 3,799 SH   SOLE   0 0 3,799
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   268,952 8,235 SH   SOLE   0 0 8,235
HOME DEPOT INC COM 437076102   813,767 2,348 SH   SOLE   0 0 2,348
HONEYWELL INTL INC COM 438516106   352,832 1,682 SH   SOLE   0 0 1,682
INTEL CORP COM 458140100   451,995 8,995 SH   SOLE   0 0 8,995
INTERNATIONAL BUSINESS MACHS COM 459200101   568,122 3,474 SH   SOLE   0 0 3,474
INVESCO DB MULTI-SECTOR COMM OIL FD 46140H403   3,312,138 238,112 SH   SOLE   0 0 238,112
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719   316,721 17,469 SH   SOLE   0 0 17,469
INVESCO QQQ TR UNIT SER 1 46090E103   7,365,580 17,986 SH   SOLE   0 0 17,986
ISHARES TR CORE S&P SCP ETF 464287804   1,440,791 13,310 SH   SOLE   0 0 13,310
ISHARES TR USD INV GRDE ETF 464288620   702,826 13,711 SH   SOLE   0 0 13,711
ISHARES TR CORE DIV GRWTH 46434V621   5,157,240 95,824 SH   SOLE   0 0 95,824
ISHARES TR GNMA BOND ETF 46429B333   399,887 9,037 SH   SOLE   0 0 9,037
ISHARES TR COHEN STEER REIT 464287564   1,706,072 29,049 SH   SOLE   0 0 29,049
ISHARES TR MSCI EAFE ETF 464287465   2,675,452 35,507 SH   SOLE   0 0 35,507
ISHARES TR 20 YR TR BD ETF 464287432   10,885,225 110,085 SH   SOLE   0 0 110,085
ISHARES TR ISHARES BIOTECH 464287556   2,054,272 15,122 SH   SOLE   0 0 15,122
ISHARES TR FLTG RATE NT ETF 46429B655   293,242 5,793 SH   SOLE   0 0 5,793
ISHARES TR RUSSELL 3000 ETF 464287689   794,393 2,902 SH   SOLE   0 0 2,902
ISHARES TR MBS ETF 464288588   593,551 6,309 SH   SOLE   0 0 6,309
ISHARES TR INTL TREA BD ETF 464288117   212,354 5,138 SH   SOLE   0 0 5,138
ISHARES TR S&P 500 GRWT ETF 464287309   496,336 6,609 SH   SOLE   0 0 6,609
ISHARES TR CORE S&P MCP ETF 464287507   1,444,348 5,211 SH   SOLE   0 0 5,211
ISHARES TR CORE MSCI EAFE 46432F842   1,022,397 14,533 SH   SOLE   0 0 14,533
ISHARES TR CORE HIGH DV ETF 46429B663   1,028,263 10,082 SH   SOLE   0 0 10,082
ISHARES TR NATIONAL MUN ETF 464288414   223,108 2,058 SH   SOLE   0 0 2,058
ISHARES TR IBOXX INV CP ETF 464287242   8,090,919 73,115 SH   SOLE   0 0 73,115
ISHARES TR TIPS BD ETF 464287176   767,371 7,139 SH   SOLE   0 0 7,139
ISHARES TR US AER DEF ETF 464288760   204,965 1,619 SH   SOLE   0 0 1,619
ISHARES TR PFD AND INCM SEC 464288687   1,849,003 59,282 SH   SOLE   0 0 59,282
ISHARES TR ISHARES SEMICDTR 464287523   8,927,172 15,496 SH   SOLE   0 0 15,496
ISHARES TR CORE S&P500 ETF 464287200   2,464,347 5,160 SH   SOLE   0 0 5,160
ISHARES TR US HLTHCR PR ETF 464288828   1,369,197 5,215 SH   SOLE   0 0 5,215
JOHNSON & JOHNSON COM 478160104   1,930,065 12,314 SH   SOLE   0 0 12,314
JPMORGAN CHASE & CO COM 46625H100   740,897 4,356 SH   SOLE   0 0 4,356
KIMBERLY-CLARK CORP COM 494368103   388,579 3,198 SH   SOLE   0 0 3,198
KIRBY CORP COM 497266106   489,872 6,242 SH   SOLE   0 0 6,242
LEGGETT & PLATT INC COM 524660107   4,726,014 180,589 SH   SOLE   0 0 180,589
LOCKHEED MARTIN CORP COM 539830109   300,340 663 SH   SOLE   0 0 663
MCDONALDS CORP COM 580135101   282,007 951 SH   SOLE   0 0 951
MERCK & CO INC COM 58933Y105   1,366,788 12,537 SH   SOLE   0 0 12,537
META PLATFORMS INC CL A 30303M102   794,640 2,245 SH   SOLE   0 0 2,245
MICROSOFT CORP COM 594918104   3,179,330 8,455 SH   SOLE   0 0 8,455
NEXTERA ENERGY INC COM 65339F101   553,958 9,120 SH   SOLE   0 0 9,120
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   226,174 5,784 SH   SOLE   0 0 5,784
NVIDIA CORPORATION COM 67066G104   831,970 1,680 SH   SOLE   0 0 1,680
ORACLE CORP COM 68389X105   223,960 2,124 SH   SOLE   0 0 2,124
PAYCHEX INC COM 704326107   532,064 4,467 SH   SOLE   0 0 4,467
PEPSICO INC COM 713448108   266,462 1,569 SH   SOLE   0 0 1,569
PFIZER INC COM 717081103   289,512 10,056 SH   SOLE   0 0 10,056
PHILLIPS 66 COM 718546104   239,785 1,801 SH   SOLE   0 0 1,801
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   4,373,719 46,156 SH   SOLE   0 0 46,156
PIMCO ETF TR INV GRD CRP BD 72201R817   1,484,090 15,259 SH   SOLE   0 0 15,259
PIMCO ETF TR ACTIVE BD ETF 72201R775   822,065 8,892 SH   SOLE   0 0 8,892
PLANET FITNESS INC CL A 72703H101   579,255 7,935 SH   SOLE   0 0 7,935
PROCTER AND GAMBLE CO COM 742718109   815,819 5,567 SH   SOLE   0 0 5,567
PROSHARES TR PSHS ULT S&P 500 74347R107   2,122,323 32,616 SH   SOLE   0 0 32,616
PROSHARES TR SHORT S&P 500 NE 74347B425   3,678,443 283,175 SH   SOLE   0 0 283,175
PROSHARES TR PSHS ULTRA QQQ 74347R206   2,042,120 26,870 SH   SOLE   0 0 26,870
PROSHARES TR II ULSHT BLOOMB OIL 74347Y797   3,169,577 151,727 SH   SOLE   0 0 151,727
QUALCOMM INC COM 747525103   409,719 2,833 SH   SOLE   0 0 2,833
RTX CORPORATION COM 75513E101   483,677 5,748 SH   SOLE   0 0 5,748
S&P GLOBAL INC COM 78409V104   1,023,768 2,324 SH   SOLE   0 0 2,324
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,676,820 67,641 SH   SOLE   0 0 67,641
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   12,822,117 271,425 SH   SOLE   0 0 271,425
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   26,428,005 474,726 SH   SOLE   0 0 474,726
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   1,063,942 39,202 SH   SOLE   0 0 39,202
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   12,796,934 226,896 SH   SOLE   0 0 226,896
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   13,238,174 173,889 SH   SOLE   0 0 173,889
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   12,731,905 169,038 SH   SOLE   0 0 169,038
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   8,019,766 216,985 SH   SOLE   0 0 216,985
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,466,426 28,092 SH   SOLE   0 0 28,092
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789   1,513,569 24,772 SH   SOLE   0 0 24,772
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   1,847,113 29,821 SH   SOLE   0 0 29,821
SELECT SECTOR SPDR TR ENERGY 81369Y506   2,067,578 24,661 SH   SOLE   0 0 24,661
SJW GROUP COM 784305104   1,619,036 24,775 SH   SOLE   0 0 24,775
SOUTHERN CO COM 842587107   673,906 9,611 SH   SOLE   0 0 9,611
SPDR GOLD TR GOLD SHS 78463V107   8,739,145 45,714 SH   SOLE   0 0 45,714
SPDR INDEX SHS FDS MSCI EAFE FS ETF 78470E106   384,990 9,869 SH   SOLE   0 0 9,869
SPDR S&P 500 ETF TR TR UNIT 78462F103   23,483,066 49,406 SH   SOLE   0 0 49,406
SPDR SER TR S&P DIVID ETF 78464A763   8,888,628 71,126 SH   SOLE   0 0 71,126
SPDR SER TR BBG CONV SEC ETF 78464A359   2,044,731 28,340 SH   SOLE   0 0 28,340
SPDR SER TR BLOOMBERG INVT 78468R200   1,858,128 60,743 SH   SOLE   0 0 60,743
SPDR SER TR PRTFLO S&P500 GW 78464A409   214,373 3,295 SH   SOLE   0 0 3,295
SPDR SER TR SPDR S&P 500 ETF 78468R796   746,879 19,244 SH   SOLE   0 0 19,244
SPDR SER TR PORTFLI TIPS ETF 78464A656   504,630 19,735 SH   SOLE   0 0 19,735
SPDR SER TR NUVEEN BLMBRG MU 78468R721   1,821,673 38,759 SH   SOLE   0 0 38,759
SPDR SER TR PORTFOLIO LN TSR 78464A664   1,073,218 36,982 SH   SOLE   0 0 36,982
STARBUCKS CORP COM 855244109   210,409 2,192 SH   SOLE   0 0 2,192
TESLA INC COM 88160R101   348,052 1,401 SH   SOLE   0 0 1,401
TEXAS INSTRS INC COM 882508104   434,162 2,547 SH   SOLE   0 0 2,547
TRAVELERS COMPANIES INC COM 89417E109   448,985 2,357 SH   SOLE   0 0 2,357
UNION PAC CORP COM 907818108   349,920 1,425 SH   SOLE   0 0 1,425
VALERO ENERGY CORP COM 91913Y100   593,678 4,567 SH   SOLE   0 0 4,567
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,925,581 39,007 SH   SOLE   0 0 39,007
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   4,241,369 9,710 SH   SOLE   0 0 9,710
VANGUARD INDEX FDS SMALL CP ETF 922908751   9,844,918 46,149 SH   SOLE   0 0 46,149
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,287,892 5,429 SH   SOLE   0 0 5,429
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   7,786,527 88,123 SH   SOLE   0 0 88,123
VANGUARD INDEX FDS GROWTH ETF 922908736   259,375 834 SH   SOLE   0 0 834
VANGUARD INDEX FDS VALUE ETF 922908744   2,747,347 18,377 SH   SOLE   0 0 18,377
VANGUARD INDEX FDS MID CAP ETF 922908629   11,739,037 50,460 SH   SOLE   0 0 50,460
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   403,804 3,925 SH   SOLE   0 0 3,925
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   450,021 8,016 SH   SOLE   0 0 8,016
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   949,410 23,100 SH   SOLE   0 0 23,100
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   431,270 8,448 SH   SOLE   0 0 8,448
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   399,673 2,345 SH   SOLE   0 0 2,345
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,664,071 97,371 SH   SOLE   0 0 97,371
VANGUARD WORLD FD ESG US STK ETF 921910733   737,215 8,667 SH   SOLE   0 0 8,667
VANGUARD WORLD FD COMM SRVC ETF 92204A884   1,436,472 12,202 SH   SOLE   0 0 12,202
VANGUARD WORLD FD UTILITIES ETF 92204A876   7,237,831 52,804 SH   SOLE   0 0 52,804
VERIZON COMMUNICATIONS INC COM 92343V104   414,249 10,988 SH   SOLE   0 0 10,988
VISA INC COM CL A 92826C839   998,795 3,836 SH   SOLE   0 0 3,836
WASTE MGMT INC DEL COM 94106L109   264,889 1,479 SH   SOLE   0 0 1,479
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   19,554,370 389,219 SH   SOLE   0 0 389,219