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
ABBVIE INC COM 00287Y109   392,236 2,911 SH   SOLE   0 0 2,911
AIR PRODS & CHEMS INC COM 009158106   1,072,511 3,581 SH   SOLE   0 0 3,581
ALPHABET INC CAP STK CL C 02079K107   238,311 1,970 SH   SOLE   0 0 1,970
ALPHABET INC CAP STK CL A 02079K305   427,449 3,571 SH   SOLE   0 0 3,571
AMAZON COM INC COM 023135106   516,877 3,965 SH   SOLE   0 0 3,965
AMGEN INC COM 031162100   203,370 916 SH   SOLE   0 0 916
APPLE INC COM 037833100   1,976,661 10,191 SH   SOLE   0 0 10,191
ASTRAZENECA PLC SPONSORED ADR 046353108   208,133 2,908 SH   SOLE   0 0 2,908
AUTOMATIC DATA PROCESSING IN COM 053015103   487,495 2,218 SH   SOLE   0 0 2,218
BECTON DICKINSON & CO COM 075887109   1,462,879 5,541 SH   SOLE   0 0 5,541
BROADCOM INC COM 11135F101   519,908 599 SH   SOLE   0 0 599
CHEVRON CORP NEW COM 166764100   814,760 5,178 SH   SOLE   0 0 5,178
CISCO SYS INC COM 17275R102   364,717 7,049 SH   SOLE   0 0 7,049
COCA COLA CO COM 191216100   817,527 13,576 SH   SOLE   0 0 13,576
COMCAST CORP NEW CL A 20030N101   218,894 5,268 SH   SOLE   0 0 5,268
CORTEVA INC COM 22052L104   253,122 4,417 SH   SOLE   0 0 4,417
DOW INC COM 260557103   298,784 5,610 SH   SOLE   0 0 5,610
DUPONT DE NEMOURS INC COM 26614N102   367,848 5,149 SH   SOLE   0 0 5,149
EATON CORP PLC SHS G29183103   236,687 1,177 SH   SOLE   0 0 1,177
EXXON MOBIL CORP COM 30231G102   735,923 6,862 SH   SOLE   0 0 6,862
HOME DEPOT INC COM 437076102   699,734 2,253 SH   SOLE   0 0 2,253
ISHARES INC CORE MSCI EMKT 46434G103   372,971 7,567 SH   SOLE   0 0 7,567
ISHARES TR RUSSELL 2000 ETF 464287655   221,982 1,185 SH   SOLE   0 0 1,185
ISHARES TR ESG AW MSCI EAFE 46435G516   281,618 3,861 SH   SOLE   0 0 3,861
ISHARES TR MSCI USA MIN VOL 46429B697   330,626 4,448 SH   SOLE   0 0 4,448
ISHARES TR CORE S&P500 ETF 464287200   414,714 930 SH   SOLE   0 0 930
ISHARES TR MSCI USA MMENTM 46432F396   488,202 3,384 SH   SOLE   0 0 3,384
ISHARES TR CORE MSCI TOTAL 46432F834   532,529 8,504 SH   SOLE   0 0 8,504
ISHARES TR RUS 1000 VAL ETF 464287598   556,119 3,524 SH   SOLE   0 0 3,524
ISHARES TR ESG AWR MSCI USA 46435G425   580,165 5,953 SH   SOLE   0 0 5,953
ISHARES TR CORE HIGH DV ETF 46429B663   618,355 6,135 SH   SOLE   0 0 6,135
ISHARES TR CORE S&P US VLU 464287663   729,751 9,325 SH   SOLE   0 0 9,325
ISHARES TR CORE MSCI EAFE 46432F842   801,065 11,868 SH   SOLE   0 0 11,868
ISHARES TR CORE S&P US GWT 464287671   957,321 9,805 SH   SOLE   0 0 9,805
ISHARES TR MSCI USA QLT FCT 46432F339   984,725 7,301 SH   SOLE   0 0 7,301
ISHARES TR CORE S&P SCP ETF 464287804   1,189,653 11,938 SH   SOLE   0 0 11,938
ISHARES TR RUS 1000 ETF 464287622   1,273,795 5,226 SH   SOLE   0 0 5,226
ISHARES TR RUS 1000 GRW ETF 464287614   1,770,179 6,433 SH   SOLE   0 0 6,433
ISHARES TR CORE S&P TTL STK 464287150   2,239,692 22,891 SH   SOLE   0 0 22,891
ISHARES TR CORE DIV GRWTH 46434V621   2,245,281 43,572 SH   SOLE   0 0 43,572
JOHNSON & JOHNSON COM 478160104   1,577,412 9,530 SH   SOLE   0 0 9,530
JPMORGAN CHASE & CO COM 46625H100   1,117,796 7,686 SH   SOLE   0 0 7,686
LILLY ELI & CO COM 532457108   568,520 1,212 SH   SOLE   0 0 1,212
LINDE PLC SHS G54950103   225,841 593 SH   SOLE   0 0 593
LOCKHEED MARTIN CORP COM 539830109   307,832 669 SH   SOLE   0 0 669
LOWES COS INC COM 548661107   220,717 978 SH   SOLE   0 0 978
MARSH & MCLENNAN COS INC COM 571748102   430,831 2,291 SH   SOLE   0 0 2,291
MCDONALDS CORP COM 580135101   523,090 1,753 SH   SOLE   0 0 1,753
MEDTRONIC PLC SHS G5960L103   236,482 2,684 SH   SOLE   0 0 2,684
MERCK & CO INC COM 58933Y105   430,849 3,734 SH   SOLE   0 0 3,734
META PLATFORMS INC CL A 30303M102   312,808 1,090 SH   SOLE   0 0 1,090
MICROSOFT CORP COM 594918104   2,022,681 5,940 SH   SOLE   0 0 5,940
NEXTERA ENERGY INC COM 65339F101   1,058,138 14,261 SH   SOLE   0 0 14,261
NVIDIA CORPORATION COM 67066G104   712,045 1,683 SH   SOLE   0 0 1,683
PEPSICO INC COM 713448108   268,816 1,451 SH   SOLE   0 0 1,451
PFIZER INC COM 717081103   349,924 9,540 SH   SOLE   0 0 9,540
PROCTER AND GAMBLE CO COM 742718109   377,587 2,488 SH   SOLE   0 0 2,488
SALESFORCE INC COM 79466L302   249,709 1,182 SH   SOLE   0 0 1,182
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,686,093 23,218 SH   SOLE   0 0 23,218
SELECT SECTOR SPDR TR ENERGY 81369Y506   242,262 2,985 SH   SOLE   0 0 2,985
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   251,196 2,341 SH   SOLE   0 0 2,341
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   268,962 7,136 SH   SOLE   0 0 7,136
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   348,294 5,352 SH   SOLE   0 0 5,352
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   353,217 2,080 SH   SOLE   0 0 2,080
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   386,963 11,479 SH   SOLE   0 0 11,479
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   485,707 3,659 SH   SOLE   0 0 3,659
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   490,319 2,820 SH   SOLE   0 0 2,820
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   335,439 3,653 SH   SOLE   0 0 3,653
TEXAS INSTRS INC COM 882508104   353,493 1,964 SH   SOLE   0 0 1,964
UNITEDHEALTH GROUP INC COM 91324P102   272,355 567 SH   SOLE   0 0 567
VANGUARD INDEX FDS VALUE ETF 922908744   669,086 4,709 SH   SOLE   0 0 4,709
VANGUARD INDEX FDS GROWTH ETF 922908736   711,232 2,514 SH   SOLE   0 0 2,514
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,759,060 7,986 SH   SOLE   0 0 7,986
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   312,529 5,744 SH   SOLE   0 0 5,744
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   223,062 3,864 SH   SOLE   0 0 3,864
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   325,093 4,114 SH   SOLE   0 0 4,114
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,372,106 8,447 SH   SOLE   0 0 8,447
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   404,229 8,753 SH   SOLE   0 0 8,753
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   837,379 13,250 SH   SOLE   0 0 13,250
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   4,258,046 40,144 SH   SOLE   0 0 40,144
VANGUARD WORLD FDS INF TECH ETF 92204A702   339,740 768 SH   SOLE   0 0 768
VISA INC COM CL A 92826C839   378,952 1,596 SH   SOLE   0 0 1,596
WISDOMTREE TR ENHNCD CMMDTY ST 97717Y683   210,759 12,354 SH   SOLE   0 0 12,354
WISDOMTREE TR US QTLY DIV GRT 97717X669   1,438,053 21,573 SH   SOLE   0 0 21,573