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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 388 3,278 SH   SOLE 0 0 0 3,278
ABBVIE INC COM 00287Y109 225 1,391 SH   SOLE 0 0 0 1,391
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 367 1,088 SH   SOLE 0 0 0 1,088
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,773 3,892 SH   SOLE 0 0 0 3,892
AGNICO EAGLE MINES LTD COM 008474108 252 4,122 SH   SOLE 0 0 0 4,122
AIRBNB INC COM CL A 009066101 345 2,006 SH   SOLE 0 0 0 2,006
ALCON AG ORD SHS H01301128 242 3,050 SH   SOLE 0 0 0 3,050
ALPHABET INC CAP STK CL C 02079K107 640 229 SH   SOLE 0 0 0 229
AMAZON COM INC COM 023135106 890 273 SH   SOLE 0 0 0 273
AMGEN INC COM 031162100 310 1,282 SH   SOLE 0 0 0 1,282
ASML HOLDING N V N Y REGISTRY SHS N07059210 248 371 SH   SOLE 0 0 0 371
AT&T INC COM 00206R102 219 9,279 SH   SOLE 0 0 0 9,279
AUTODESK INC COM 052769106 253 1,179 SH   SOLE 0 0 0 1,179
BECTON DICKINSON & CO COM 075887109 226 849 SH   SOLE 0 0 0 849
BROADMARK RLTY CAP INC COM 11135B100 135 15,651 SH   SOLE 0 0 0 15,651
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 216 3,825 SH   SOLE 0 0 0 3,825
CANADIAN PAC RY LTD COM 13645T100 250 3,025 SH   SOLE 0 0 0 3,025
CHEVRON CORP NEW COM 166764100 316 1,942 SH   SOLE 0 0 0 1,942
CISCO SYS INC COM 17275R102 227 4,070 SH   SOLE 0 0 0 4,070
CLOUDFLARE INC CL A COM 18915M107 1,787 14,927 SH   SOLE 0 0 0 14,927
COCA COLA CO COM 191216100 504 8,131 SH   SOLE 0 0 0 8,131
COMCAST CORP NEW CL A 20030N101 214 4,563 SH   SOLE 0 0 0 4,563
CVS HEALTH CORP COM 126650100 226 2,235 SH   SOLE 0 0 0 2,235
DIAGEO PLC SPON ADR NEW 25243Q205 231 1,136 SH   SOLE 0 0 0 1,136
DOMINION ENERGY INC COM 25746U109 238 2,801 SH   SOLE 0 0 0 2,801
DUKE ENERGY CORP NEW COM NEW 26441C204 236 2,110 SH   SOLE 0 0 0 2,110
ENBRIDGE INC COM 29250N105 255 5,533 SH   SOLE 0 0 0 5,533
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 1,828 56,440 SH   SOLE 0 0 0 56,440
ICON PLC SHS G4705A100 252 1,036 SH   SOLE 0 0 0 1,036
INTERNATIONAL BUSINESS MACHS COM 459200101 248 1,908 SH   SOLE 0 0 0 1,908
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 HY 46138J858 1,660 67,714 SH   SOLE 0 0 0 67,714
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 656 31,391 SH   SOLE 0 0 0 31,391
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 1,422 67,391 SH   SOLE 0 0 0 67,391
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 HY 46138J874 4,003 174,727 SH   SOLE 0 0 0 174,727
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 1,118 53,073 SH   SOLE 0 0 0 53,073
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 10,397 489,055 SH   SOLE 0 0 0 489,055
ISHARES TR 0-5YR HI YL CP 46434V407 6,816 155,033 SH   SOLE 0 0 0 154,677
ISHARES TR BLACKROCK ULTRA 46434V878 204 4,077 SH   SOLE 0 0 0 4,077
ISHARES TR CORE INTL AGGR 46435G672 378 7,253 SH   SOLE 0 0 0 7,253
ISHARES TR IBONDS DEC23 ETF 46434VAX8 328 12,986 SH   SOLE 0 0 0 12,986
ISHARES TR IBONDS DEC22 ETF 46434VBA7 328 13,115 SH   SOLE 0 0 0 13,115
ISHARES TR MSCI EAFE MIN VL 46429B689 961 13,323 SH   SOLE 0 0 0 13,323
ISHARES TR ESG AWR US AGRGT 46435U549 576 11,161 SH   SOLE 0 0 0 11,161
ISHARES TR USD GRN BOND ETF 46435U440 793 15,675 SH   SOLE 0 0 0 15,675
ISHARES TR U.S. TECH ETF 464287721 231 2,243 SH   SOLE 0 0 0 2,243
ISHARES TR CORE S&P MCP ETF 464287507 297 1,108 SH   SOLE 0 0 0 1,108
ISHARES TR CORE S&P SCP ETF 464287804 977 9,057 SH   SOLE 0 0 0 9,044
ISHARES TR RUS 1000 ETF 464287622 1,898 7,592 SH   SOLE 0 0 0 7,592
ISHARES TR RUS 1000 GRW ETF 464287614 395 1,424 SH   SOLE 0 0 0 1,424
ISHARES TR RUS 2000 GRW ETF 464287648 337 1,316 SH   SOLE 0 0 0 1,316
ISHARES TR MSCI EAFE ETF 464287465 418 5,674 SH   SOLE 0 0 0 5,674
ISHARES TR S&P 100 ETF 464287101 271 1,298 SH   SOLE 0 0 0 1,298
ISHARES TR CORE US AGGBD ET 464287226 5,414 50,554 SH   SOLE 0 0 0 50,144
ISHARES TR MORNINGSTAR GRWT 464287119 666 10,245 SH   SOLE 0 0 0 10,245
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 831 16,539 SH   SOLE 0 0 0 16,539
JOHNSON & JOHNSON COM 478160104 375 2,117 SH   SOLE 0 0 0 2,117
KAYNE ANDERSON ENERGY INFRST COM 486606106 102 11,100 SH   SOLE 0 0 0 11,100
LINDE PLC SHS G5494J103 247 773 SH   SOLE 0 0 0 773
LOCKHEED MARTIN CORP COM 539830109 269 610 SH   SOLE 0 0 0 610
MASTERCARD INCORPORATED CL A 57636Q104 410 1,146 SH   SOLE 0 0 0 1,146
MCDONALDS CORP COM 580135101 314 1,270 SH   SOLE 0 0 0 1,270
MEDTRONIC PLC SHS G5960L103 328 2,953 SH   SOLE 0 0 0 2,953
MERCK & CO INC COM 58933Y105 353 4,302 SH   SOLE 0 0 0 4,302
META PLATFORMS INC CL A 30303M102 477 2,147 SH   SOLE 0 0 0 2,147
MICROSOFT CORP COM 594918104 1,176 3,814 SH   SOLE 0 0 0 3,814
NETFLIX INC COM 64110L106 273 730 SH   SOLE 0 0 0 730
NOVO-NORDISK A S ADR 670100205 255 2,296 SH   SOLE 0 0 0 2,296
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 378 9,496 SH   SOLE 0 0 0 9,496
NUSHARES ETF TR ESG HI TLD CRP 67092P854 356 15,387 SH   SOLE 0 0 0 15,387
OMNICOM GROUP INC COM 681919106 213 2,511 SH   SOLE 0 0 0 2,511
PAYPAL HLDGS INC COM 70450Y103 269 2,326 SH   SOLE 0 0 0 2,326
PEPSICO INC COM 713448108 216 1,291 SH   SOLE 0 0 0 1,291
PFIZER INC COM 717081103 370 7,145 SH   SOLE 0 0 0 7,145
PHILIP MORRIS INTL INC COM 718172109 307 3,264 SH   SOLE 0 0 0 3,264
PROCTER AND GAMBLE CO COM 742718109 248 1,622 SH   SOLE 0 0 0 1,622
QUALCOMM INC COM 747525103 291 1,905 SH   SOLE 0 0 0 1,905
RAYTHEON TECHNOLOGIES CORP COM 75513E101 435 4,387 SH   SOLE 0 0 0 4,387
SALESFORCE COM INC COM 79466L302 319 1,502 SH   SOLE 0 0 0 1,502
SCHLUMBERGER LTD COM STK 806857108 216 5,223 SH   SOLE 0 0 0 5,223
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 247 5,219 SH   SOLE 0 0 0 5,219
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 994 13,287 SH   SOLE 0 0 0 12,939
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 823 11,531 SH   SOLE 0 0 0 11,531
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 717 25,822 SH   SOLE 0 0 0 25,822
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 8,561 233,153 SH   SOLE 0 0 0 233,153
SCHWAB STRATEGIC TR US REIT ETF 808524847 384 15,447 SH   SOLE 0 0 0 15,447
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,905 38,288 SH   SOLE 0 0 0 38,094
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 3,155 62,387 SH   SOLE 0 0 0 62,387
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 7,856 99,580 SH   SOLE 0 0 0 98,311
SERVICENOW INC COM 81762P102 270 484 SH   SOLE 0 0 0 484
SHELL PLC SPON ADS 780259305 278 5,062 SH   SOLE 0 0 0 5,062
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2,102 54,408 SH   SOLE 0 0 0 54,013
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 1,584 46,195 SH   SOLE 0 0 0 46,195
SPDR S&P 500 ETF TR TR UNIT 78462F103 392 869 SH   SOLE 0 0 0 869
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,048 2,137 SH   SOLE 0 0 0 2,137
SPDR SER TR S&P 600 SMCP VAL 78464A300 2,093 25,117 SH   SOLE 0 0 0 24,984
SPDR SER TR S&P 600 SMCP GRW 78464A201 3,685 43,955 SH   SOLE 0 0 0 43,822
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 203 1,944 SH   SOLE 0 0 0 1,944
TE CONNECTIVITY LTD SHS H84989104 206 1,575 SH   SOLE 0 0 0 1,575
UNITEDHEALTH GROUP INC COM 91324P102 286 561 SH   SOLE 0 0 0 561
US BANCORP DEL COM NEW 902973304 416 7,824 SH   SOLE 0 0 0 7,824
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 392 5,034 SH   SOLE 0 0 0 5,034
VANGUARD BD INDEX FDS INTERMED TERM 921937819 2,311 28,219 SH   SOLE 0 0 0 28,219
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 416 5,225 SH   SOLE 0 0 0 5,105
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 11,655 222,249 SH   SOLE 0 0 0 221,635
VANGUARD INDEX FDS VALUE ETF 922908744 1,618 10,948 SH   SOLE 0 0 0 10,948
VANGUARD INDEX FDS MID CAP ETF 922908629 543 2,285 SH   SOLE 0 0 0 2,285
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,290 13,018 SH   SOLE 0 0 0 13,018
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,098 10,136 SH   SOLE 0 0 0 10,136
VANGUARD INDEX FDS TOTAL STK MKT 922908769 464 2,040 SH   SOLE 0 0 0 2,040
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 366 7,930 SH   SOLE 0 0 0 7,930
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 659 11,441 SH   SOLE 0 0 0 11,420
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,618 21,126 SH   SOLE 0 0 0 21,072
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,064 20,648 SH   SOLE 0 0 0 20,648
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 12,177 170,641 SH   SOLE 0 0 0 169,672
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 440 5,639 SH   SOLE 0 0 0 5,639
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 526 10,951 SH   SOLE 0 0 0 10,439
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 3,204 28,548 SH   SOLE 0 0 0 28,548
VANGUARD WORLD FD ESG US STK ETF 921910733 375 4,626 SH   SOLE 0 0 0 4,626
VERIZON COMMUNICATIONS INC COM 92343V104 285 5,600 SH   SOLE 0 0 0 5,600
VISA INC COM CL A 92826C839 399 1,800 SH   SOLE 0 0 0 1,800
WALMART INC COM 931142103 210 1,413 SH   SOLE 0 0 0 1,413