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
Estimated average burden
hours per response: 23.8
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   16,800 200 SH   SOLE   0 0 200
INVESCO QQQ TRUST ETF 46090E103   594,002 2,231 SH   SOLE   0 0 2,231
STARBUCKS CORP COM Stock 855244109   33,812 341 SH   SOLE   0 0 341
ELEVANCE HEALTH INC COM Stock 036752103   7,182 14 SH   SOLE   0 0 14
VIKING THERAPEUTICS INC COM Stock 92686J106   8,460 900 SH   SOLE   0 0 900
SEAGATE TECHNOLOGY HLDNGS PLC ORD SHS Stock G7997R103   11,101 211 SH   SOLE   0 0 211
COSTCO WHSL CORP NEW COM Stock 22160K105   6,848 15 SH   SOLE   0 0 15
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234   1,857 49 SH   SOLE   0 0 49
SPDR NUVEEN BLOOMBERG SHORT TERM MUNICIPAL BOND ETF ETF 78468R739   201,309 4,285 SH   SOLE   0 0 4,285
PROCTER AND GAMBLE CO COM Stock 742718109   20,612 136 SH   SOLE   0 0 136
TRUIST FINL CORP COM Stock 89832Q109   11,328 263 SH   SOLE   0 0 263
UNITED PARCEL SERVICE INC CL B Stock 911312106   52,152 300 SH   SOLE   0 0 300
MARRIOTT INTL INC NEW CL A Stock 571903202   113,008 759 SH   SOLE   0 0 759
VANGUARD REAL ESTATE ETF ETF 922908553   195,560 2,371 SH   SOLE   0 0 2,371
ISHARES MSCI ACWI EX U.S. ETF ETF 464288240   158,113 3,475 SH   SOLE   0 0 3,475
INTEL CORP COM Stock 458140100   8,061 305 SH   SOLE   0 0 305
VAIL RESORTS INC COM Stock 91879Q109   39,566 166 SH   SOLE   0 0 166
COMERICA INC COM Stock 200340107   364,266 5,449 SH   SOLE   0 0 5,449
NETFLIX INC COM Stock 64110L106   4,423 15 SH   SOLE   0 0 15
PAYCHEX INC COM Stock 704326107   115,560 1,000 SH   SOLE   0 0 1,000
ISHARES CORE AGGRESSIVE ALLOCATION ETF ETF 464289859   1,793 30 SH   SOLE   0 0 30
ISHARES CORE GROWTH ALLOCATION ETF ETF 464289867   707,070 14,993 SH   SOLE   0 0 14,993
ISHARES ESG AWARE MSCI EAFE ETF ETF 46435G516   212,735 3,236 SH   SOLE   0 0 3,236
ISHARES MORNINGSTAR MID-CAP ETF ETF 464288208   27,234 464 SH   SOLE   0 0 464
SPDR DOW JONES GLOBAL REAL ESTATE ETF ETF 78463X749   355,257 8,686 SH   SOLE   0 0 8,686
SANOFI SPONSORED ADR ADR 80105N105   26,685 551 SH   SOLE   0 0 551
MERCK & CO INC COM Stock 58933Y105   0 0 SH   SOLE   0 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158   7,585,017 72,744 SH   SOLE   0 0 72,744
SPDR S&P 500 ETF TRUST ETF 78462F103   9,273,627 24,249 SH   SOLE   0 0 24,249
ISHARES TIPS BOND ETF ETF 464287176   1,269,829 11,930 SH   SOLE   0 0 11,930
CORNING INC COM Stock 219350105   31,940 1,000 SH   SOLE   0 0 1,000
VERIZON COMMUNICATIONS INC COM Stock 92343V104   14,775 375 SH   SOLE   0 0 375
CHUBB LIMITED COM Stock H1467J104   0 0 SH   SOLE   0 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF ETF 922042718   2,219,668 21,590 SH   SOLE   0 0 21,590
PEPSICO INC COM Stock 713448108   45,346 251 SH   SOLE   0 0 251
ISHARES CORE MODERATE ALLOCATION ETF ETF 464289875   145,160 3,819 SH   SOLE   0 0 3,819
ISHARES ESG AWARE MSCI USA ETF ETF 46435G425   409,173 4,828 SH   SOLE   0 0 4,828
ISHARES ESG AWARE USD CORPORATE BOND ETF ETF 46435G193   50,727 2,275 SH   SOLE   0 0 2,275
ISHARES ESG AWARE 1-5 YEAR USD CORPORATE BOND ETF ETF 46435G243   55,646 2,341 SH   SOLE   0 0 2,341
ISHARES RUSSELL 2000 VALUE ETF ETF 464287630   9,707 70 SH   SOLE   0 0 70
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   32,358 238 SH   SOLE   0 0 238
SPDR GOLD SHARES ETF 78463V107   67,856 400 SH   SOLE   0 0 400
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   144,515 675 SH   SOLE   0 0 675
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   31,039,142 692,683 SH   SOLE   0 0 692,683
UGI CORP NEW COM Stock 902681105   23,260 627 SH   SOLE   0 0 627
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300   12,112 218 SH   SOLE   0 0 218
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   91,801 970 SH   SOLE   0 0 970
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   217,157 703 SH   SOLE   0 0 703
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   459,648 19,419 SH   SOLE   0 0 19,419
VANGUARD SHORT-TERM CORPORATE BOND ETF ETF 92206C409   1,487,204 19,779 SH   SOLE   0 0 19,779
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870   1,430,301 18,453 SH   SOLE   0 0 18,453
ALPHABET INC CAP STK CL A Stock 02079K305   7,058 80 SH   SOLE   0 0 80
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888   7,892,683 250,800 SH   SOLE   0 0 250,800
MICROSOFT CORP COM Stock 594918104   441,479 1,841 SH   SOLE   0 0 1,841
ISHARES ESG AWARE MSCI USA SMALL-CAP ETF ETF 46435U663   92,031 2,799 SH   SOLE   0 0 2,799
GAMESTOP CORP NEW CL A Stock 36467W109   1,477 80 SH   SOLE   0 0 80
SCHLUMBERGER LTD COM STK Stock 806857108   0 0 SH   SOLE   0 0 0
AMERIPRISE FINL INC COM Stock 03076C106   49,508 159 SH   SOLE   0 0 159
VANGUARD SMALL-CAP ETF ETF 922908751   1,998,016 10,886 SH   SOLE   0 0 10,886
NEXTERA ENERGY INC COM Stock 65339F101   84,938 1,016 SH   SOLE   0 0 1,016
NIKE INC CL B Stock 654106103   175,983 1,504 SH   SOLE   0 0 1,504
STONECO LTD COM CL A Stock G85158106   1,888 200 SH   SOLE   0 0 200
ISHARES TRUST ISHARES USD GREEN BOND ETF ETF 46435U440   67,576 1,470 SH   SOLE   0 0 1,470
SCHWAB SHORT-TERM US TREASURY ETF ETF 808524862   552,903 11,462 SH   SOLE   0 0 11,462
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409   7,790 118 SH   SOLE   0 0 118
SCHWAB INTERMEDIATE-TERM US TREASURY ETF ETF 808524854   6,761,237 137,340 SH   SOLE   0 0 137,340
JUMIA TECHNOLOGIES AG SPONSORED ADS ADR 48138M105   321 100 SH   SOLE   0 0 100
ATERIAN INC COM Stock 02156U101   0 0 SH   SOLE   0 0 0
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747   3,505,274 36,152 SH   SOLE   0 0 36,152
SPDR S&P 600 SMALL CAP VALUE ETF ETF 78464A300   8,022,003 108,084 SH   SOLE   0 0 108,084
LILLY ELI & CO COM Stock 532457108   12,073 33 SH   SOLE   0 0 33
AIR PRODS & CHEMS INC COM Stock 009158106   34,217 111 SH   SOLE   0 0 111
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768   636,053 12,298 SH   SOLE   0 0 12,298
PPL CORP COM Stock 69351T106   6,871 235 SH   SOLE   0 0 235
CENNTRO ELECTRIC GROUP LIMITED ORD SHS Stock Q6519V120   59 134 SH   SOLE   0 0 134
ISHARES RUSSELL 2000 ETF ETF 464287655   1,074,581 6,163 SH   SOLE   0 0 6,163
ISHARES CORE HIGH DIVIDEND ETF ETF 46429B663   3,646,042 34,977 SH   SOLE   0 0 34,977
CARRIER GLOBAL CORPORATION COM Stock 14448C104   10,189 247 SH   SOLE   0 0 247
ISHARES SELECT DIVIDEND ETF ETF 464287168   9,217 76 SH   SOLE   0 0 76
ISHARES ESG ADVANCED MSCI EAFE ETF ETF 46436E759   81,893 1,509 SH   SOLE   0 0 1,509
ISHARES ESG ADVANCED MSCI USA ETF ETF 46436E767   267,018 8,709 SH   SOLE   0 0 8,709
FISKER INC CL A COM STK Stock 33813J106   1,454 200 SH   SOLE   0 0 200
SCHWAB CHARLES FAMILY FD AMT TAX FREE MNY Money Market Fund 808515530   1,030,000 1,030,000 SH   SOLE   0 0 1,030,000
CNFINANCE HLDGS LTD SPON ADS ADR 18979T105   428 250 SH   SOLE   0 0 250
VIATRIS INC COM Stock 92556V106   0 0 SH   SOLE   0 0 0
VANGUARD MID-CAP GROWTH ETF ETF 922908538   516,810 2,875 SH   SOLE   0 0 2,875
THE BEACHBODY COMPANY INC COM CL A Stock 073463101   526 1,000 SH   SOLE   0 0 1,000
ISHARES MSCI EMERGING MARKETS MIN VOL FACTOR ETF ETF 464286533   831,314 15,670 SH   SOLE   0 0 15,670
HERSHEY CO COM Stock 427866108   6,252 27 SH   SOLE   0 0 27
CUE HEALTH INC COM Stock 229790100   526 254 SH   SOLE   0 0 254
DIGITAL WORLD ACQUISITION CORP CLASS A COM Stock 25400Q105   375 25 SH   SOLE   0 0 25
KELLOGG CO COM Stock 487836108   48,158 676 SH   SOLE   0 0 676
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595   7,621 38 SH   SOLE   0 0 38
VANGUARD VALUE ETF ETF 922908744   36,215 258 SH   SOLE   0 0 258
VANGUARD GROWTH ETF ETF 922908736   25,999 122 SH   SOLE   0 0 122
RIVIAN AUTOMOTIVE INC COM CL A Stock 76954A103   1,530 83 SH   SOLE   0 0 83
PHILLIPS 66 COM Stock 718546104   22,794 219 SH   SOLE   0 0 219
META PLATFORMS INC CL A Stock 30303M102   4,212 35 SH   SOLE   0 0 35
WARNER BROS DISCOVERY INC COM SER A Stock 934423104   853 90 SH   SOLE   0 0 90
MONDELEZ INTL INC CL A Stock 609207105   50,721 761 SH   SOLE   0 0 761
BROADCOM INC COM Stock 11135F101   0 0 SH   SOLE   0 0 0
AMPIO PHARMACEUTICALS INC COM NEW Stock 03209T208   27 120 SH   SOLE   0 0 120
ISHARES CORE MSCI EAFE ETF ETF 46432F842   2,972,456 48,223 SH   SOLE   0 0 48,223
OMNICOM GROUP INC COM Stock 681919106   37,441 459 SH   SOLE   0 0 459
NVIDIA CORPORATION COM Stock 67066G104   104,929 718 SH   SOLE   0 0 718
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646   21,373 429 SH   SOLE   0 0 429
GENUINE PARTS CO COM Stock 372460105   0 0 SH   SOLE   0 0 0
NATIONAL GRID PLC SPONSORED ADR NE ADR 636274409   0 0 SH   SOLE   0 0 0
WISDOMTREE INTERNATIONAL SMALLCAP DIVIDEND FUND ETF 97717W760   115,920 2,000 SH   SOLE   0 0 2,000
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103   15,598 334 SH   SOLE   0 0 334
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   5,891 82 SH   SOLE   0 0 82
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS ADR 874039100   0 0 SH   SOLE   0 0 0
ISHARES ESG AWARE MSCI EM ETF ETF 46434G863   255,745 8,505 SH   SOLE   0 0 8,505
QUALCOMM INC COM Stock 747525103   153,916 1,400 SH   SOLE   0 0 1,400
GENERAL DYNAMICS CORP COM Stock 369550108   6,699 27 SH   SOLE   0 0 27
MCDONALDS CORP COM Stock 580135101   288,338 1,094 SH   SOLE   0 0 1,094
CISCO SYS INC COM Stock 17275R102   23,615 496 SH   SOLE   0 0 496
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407   2,261,464 47,680 SH   SOLE   0 0 47,680
PROSHARES VIX SHORT-TERM FUTURES ETF ETF 74347Y854   23 2 SH   SOLE   0 0 2
AT&T INC COM Stock 00206R102   6,959 378 SH   SOLE   0 0 378
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506   40 0 SH   SOLE   0 0 0
ISHARES BIOTECHNOLOGY ETF ETF 464287556   10,287 78 SH   SOLE   0 0 78
GENERAL ELECTRIC CO COM NEW Stock 369604301   15,082 180 SH   SOLE   0 0 180
MOTOROLA SOLUTIONS INC COM NEW Stock 620076307   0 0 SH   SOLE   0 0 0
FRESHPET INC COM Stock 358039105   5,277 100 SH   SOLE   0 0 100
ISHARES 0-5 YEAR HIGH YIELD CORPORATE BOND ETF ETF 46434V407   1,513 37 SH   SOLE   0 0 37
UNION PAC CORP COM Stock 907818108   108,717 525 SH   SOLE   0 0 525
SALESFORCE INC COM Stock 79466L302   3,978 30 SH   SOLE   0 0 30
NORTHROP GRUMMAN CORP COM Stock 666807102   184,533 338 SH   SOLE   0 0 338
LOCKHEED MARTIN CORP COM Stock 539830109   0 0 SH   SOLE   0 0 0
HARTFORD FINL SVCS GROUP INC COM Stock 416515104   0 0 SH   SOLE   0 0 0
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288638   23,616 477 SH   SOLE   0 0 477
CHEVRON CORP NEW COM Stock 166764100   12,205 68 SH   SOLE   0 0 68
ISHARES NATIONAL MUNI BOND ETF ETF 464288414   12,501,271 118,473 SH   SOLE   0 0 118,473
CONOCOPHILLIPS COM Stock 20825C104   9,204 78 SH   SOLE   0 0 78
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   9,562,994 227,853 SH   SOLE   0 0 227,853
BANK AMERICA CORP COM Stock 060505104   0 0 SH   SOLE   0 0 0
FIRST TRUST GLOBAL TACTICAL COMMODITY STRATEGY FUND ETF 33739H101   811,207 33,124 SH   SOLE   0 0 33,124
SPDR S&P DIVIDEND ETF ETF 78464A763   2,502 20 SH   SOLE   0 0 20
WALMART INC COM Stock 931142103   30,606 216 SH   SOLE   0 0 216
ISHARES 3-7 YEAR TREASURY BOND ETF ETF 464288661   284,008 2,472 SH   SOLE   0 0 2,472
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   36,068 256 SH   SOLE   0 0 256
RAYTHEON TECHNOLOGIES CORP COM Stock 75513E101   84,066 833 SH   SOLE   0 0 833
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   6,730,193 172,658 SH   SOLE   0 0 172,658
PFIZER INC COM Stock 717081103   145,219 2,834 SH   SOLE   0 0 2,834
MORGAN STANLEY COM NEW Stock 617446448   8,332 98 SH   SOLE   0 0 98
3M CO COM Stock 88579Y101   11,992 100 SH   SOLE   0 0 100
8X8 INC NEW COM Stock 282914100   432 100 SH   SOLE   0 0 100
ALPHABET INC CAP STK CL C Stock 02079K107   17,746 200 SH   SOLE   0 0 200
AMGEN INC COM Stock 031162100   199,606 760 SH   SOLE   0 0 760
HUMANA INC COM Stock 444859102   5,122 10 SH   SOLE   0 0 10
ISHARES CORE S&P U.S. GROWTH ETF ETF 464287671   80,949 993 SH   SOLE   0 0 993
ISHARES CORE S&P US VALUE ETF ETF 464287663   102,343 1,449 SH   SOLE   0 0 1,449
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   5,245 35 SH   SOLE   0 0 35
ISHARES CORE DIVIDEND GROWTH ETF ETF 46434V621   14,950 299 SH   SOLE   0 0 299
ISHARES GLOBAL REIT ETF ETF 46434V647   6,128,255 269,848 SH   SOLE   0 0 269,848
BLACKROCK ULTRA SHORT-TERM BOND ETF ETF 46434V878   7,306 146 SH   SOLE   0 0 146
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879   897,943 9,834 SH   SOLE   0 0 9,834
CROSSAMERICA PARTNERS LP UT LTD PTN INT Stock 22758A105   398,504 20,096 SH   SOLE   0 0 20,096
LAM RESEARCH CORP COM Stock 512807108   0 0 SH   SOLE   0 0 0
DOMINION ENERGY INC COM Stock 25746U109   4,415 72 SH   SOLE   0 0 72
AMERICAN WTR WKS CO INC NEW COM Stock 030420103   106,694 700 SH   SOLE   0 0 700
SPDR DOUBLELINE TOTAL RETURN TACTICAL ETF ETF 78467V848   6,647 166 SH   SOLE   0 0 166
EXXON MOBIL CORP COM Stock 30231G102   79,857 724 SH   SOLE   0 0 724
AMERICAN INTL GROUP INC COM NEW Stock 026874784   20,682 327 SH   SOLE   0 0 327
ISHARES CORE S&P MID-CAP ETF ETF 464287507   161,099 666 SH   SOLE   0 0 666
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746   46,669 943 SH   SOLE   0 0 943
ISHARES MSCI EAFE ETF ETF 464287465   2,773,684 42,256 SH   SOLE   0 0 42,256
APPLE INC COM Stock 037833100   1,179,531 9,078 SH   SOLE   0 0 9,078
DISNEY WALT CO COM Stock 254687106   122,501 1,410 SH   SOLE   0 0 1,410
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   16,378 108 SH   SOLE   0 0 108