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 290 2,998 SH   SOLE   0 0 2,998
ABBVIE INC COM 00287Y109 469 3,497 SH   SOLE   0 0 3,497
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 220 856 SH   SOLE   0 0 856
ADOBE SYSTEMS INCORPORATED COM 00724F101 350 1,273 SH   SOLE   0 0 1,273
AIR PRODS & CHEMS INC COM 009158106 450 1,934 SH   SOLE   0 0 1,934
ALPHABET INC CAP STK CL A 02079K305 853 8,921 SH   SOLE   0 0 8,921
ALPHABET INC CAP STK CL C 02079K107 1,438 14,957 SH   SOLE   0 0 14,957
AMAZON COM INC COM 023135106 1,297 11,480 SH   SOLE   0 0 11,480
AMERICAN TOWER CORP NEW COM 03027X100 665 3,099 SH   SOLE   0 0 3,099
AMGEN INC COM 031162100 322 1,429 SH   SOLE   0 0 1,429
AMPHENOL CORP NEW CL A 032095101 624 9,316 SH   SOLE   0 0 9,316
AMTD IDEA GROUP SPONSORED ADS 00180G106 28 23,880 SH   SOLE   0 0 23,880
APPLE INC COM 037833100 6,545 47,359 SH   SOLE   0 0 47,359
AT&T INC COM 00206R102 343 22,371 SH   SOLE   0 0 22,371
BERKLEY W R CORP COM 084423102 222 3,441 SH   SOLE   0 0 3,441
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,339 5,013 SH   SOLE   0 0 5,013
BGC PARTNERS INC CL A 05541T101 282 89,900 SH   SOLE   0 0 89,900
BK OF AMERICA CORP COM 060505104 314 10,398 SH   SOLE   0 0 10,398
BRISTOL-MYERS SQUIBB CO COM 110122108 375 5,278 SH   SOLE   0 0 5,278
CEDAR FAIR L P DEPOSITRY UNIT 150185106 209 5,068 SH   SOLE   0 0 5,068
CHEVRON CORP NEW COM 166764100 1,079 7,508 SH   SOLE   0 0 7,508
CIGNA CORP NEW COM 125523100 230 828 SH   SOLE   0 0 828
CISCO SYS INC COM 17275R102 626 15,643 SH   SOLE   0 0 15,643
CITIGROUP INC COM NEW 172967424 239 5,734 SH   SOLE   0 0 5,734
COCA COLA CO COM 191216100 695 12,401 SH   SOLE   0 0 12,401
COMCAST CORP NEW CL A 20030N101 288 9,835 SH   SOLE   0 0 9,835
CONOCOPHILLIPS COM 20825C104 339 3,313 SH   SOLE   0 0 3,313
COSTCO WHSL CORP NEW COM 22160K105 241 511 SH   SOLE   0 0 511
CROWN CASTLE INC COM 22822V101 355 2,457 SH   SOLE   0 0 2,457
DANAHER CORPORATION COM 235851102 1,230 4,763 SH   SOLE   0 0 4,763
DISNEY WALT CO COM 254687106 295 3,132 SH   SOLE   0 0 3,132
DOLLAR GEN CORP NEW COM 256677105 654 2,728 SH   SOLE   0 0 2,728
DUKE ENERGY CORP NEW COM NEW 26441C204 702 7,542 SH   SOLE   0 0 7,542
ECOLAB INC COM 278865100 532 3,686 SH   SOLE   0 0 3,686
ELEVANCE HEALTH INC COM 036752103 331 730 SH   SOLE   0 0 730
EMERSON ELEC CO COM 291011104 345 4,709 SH   SOLE   0 0 4,709
ENBRIDGE INC COM 29250N105 460 12,389 SH   SOLE   0 0 12,389
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 508 46,034 SH   SOLE   0 0 46,034
EXXON MOBIL CORP COM 30231G102 855 9,797 SH   SOLE   0 0 9,797
FIRST HORIZON CORPORATION COM 320517105 418 18,242 SH   SOLE   0 0 18,242
FISERV INC COM 337738108 557 5,956 SH   SOLE   0 0 5,956
FORTINET INC COM 34959E109 694 14,120 SH   SOLE   0 0 14,120
GARTNER INC COM 366651107 504 1,823 SH   SOLE   0 0 1,823
GENERAL DYNAMICS CORP COM 369550108 386 1,821 SH   SOLE   0 0 1,821
GENERAL MLS INC COM 370334104 395 5,152 SH   SOLE   0 0 5,152
GILEAD SCIENCES INC COM 375558103 376 6,093 SH   SOLE   0 0 6,093
GSK PLC SPONSORED ADR 37733W204 303 10,294 SH   SOLE   0 0 10,294
HALEON PLC SPON ADS 405552100 79 12,930 SH   SOLE   0 0 12,930
HARTFORD FDS EXCHANGE TRADED MUN OPORTUNITE 41653L503 353 9,689 SH   SOLE   0 0 9,689
HOME DEPOT INC COM 437076102 706 2,559 SH   SOLE   0 0 2,559
HONEYWELL INTL INC COM 438516106 244 1,458 SH   SOLE   0 0 1,458
HP INC COM 40434L105 244 9,807 SH   SOLE   0 0 9,807
INTEL CORP COM 458140100 206 7,993 SH   SOLE   0 0 7,993
INTERCONTINENTAL EXCHANGE IN COM 45866F104 449 4,967 SH   SOLE   0 0 4,967
INTERNATIONAL BUSINESS MACHS COM 459200101 751 6,321 SH   SOLE   0 0 6,321
INTUIT COM 461202103 431 1,112 SH   SOLE   0 0 1,112
INVESCO CURRENCYSHARES BRIT BRIT POUN STRL 46138M109 215 2,006 SH   SOLE   0 0 2,006
INVESCO QQQ TR UNIT SER 1 46090E103 1,505 5,633 SH   SOLE   0 0 5,633
ISHARES INC CORE MSCI EMKT 46434G103 2,860 66,543 SH   SOLE   0 0 66,543
ISHARES TR 20 YR TR BD ETF 464287432 37 34,000 SH Call SOLE   0 0 34,000
ISHARES TR CORE S&P MCP ETF 464287507 695 3,169 SH   SOLE   0 0 3,169
ISHARES TR CORE S&P SCP ETF 464287804 213 2,440 SH   SOLE   0 0 2,440
ISHARES TR CORE S&P500 ETF 464287200 1,392 3,882 SH   SOLE   0 0 3,882
ISHARES TR CORE TOTAL USD 46434V613 1,029 23,134 SH   SOLE   0 0 23,134
ISHARES TR CORE US AGGBD ET 464287226 763 7,923 SH   SOLE   0 0 7,923
ISHARES TR MSCI ACWI EX US 464288240 221 5,522 SH   SOLE   0 0 5,522
ISHARES TR MSCI EAFE ETF 464287465 2,327 41,544 SH   SOLE   0 0 41,544
ISHARES TR MSCI EMG MKT ETF 464287234 813 23,308 SH   SOLE   0 0 23,308
ISHARES TR MSCI INTL QUALTY 46434V456 2,452 88,277 SH   SOLE   0 0 88,277
ISHARES TR MSCI USA QLT FCT 46432F339 25,098 241,470 SH   SOLE   0 0 241,470
ISHARES TR NATIONAL MUN ETF 464288414 6,450 62,878 SH   SOLE   0 0 62,878
ISHARES TR RUS 1000 GRW ETF 464287614 1,101 5,231 SH   SOLE   0 0 5,231
ISHARES TR RUS 1000 VAL ETF 464287598 705 5,185 SH   SOLE   0 0 5,185
ISHARES TR RUS 2000 GRW ETF 464287648 220 1,063 SH   SOLE   0 0 1,063
ISHARES TR RUSSELL 2000 ETF 464287655 577 3,501 SH   SOLE   0 0 3,501
ISHARES TR S&P 500 VAL ETF 464287408 1,103 8,584 SH   SOLE   0 0 8,584
ISHARES TR SELECT DIVID ETF 464287168 411 3,835 SH   SOLE   0 0 3,835
JOHNSON & JOHNSON COM 478160104 2,789 17,074 SH   SOLE   0 0 17,074
JPMORGAN CHASE & CO COM 46625H100 608 5,821 SH   SOLE   0 0 5,821
LILLY ELI & CO COM 532457108 363 1,124 SH   SOLE   0 0 1,124
LINCOLN NATL CORP IND COM 534187109 2,120 48,284 SH   SOLE   0 0 48,284
LINDE PLC SHS G5494J103 630 2,336 SH   SOLE   0 0 2,336
LOCKHEED MARTIN CORP COM 539830109 1,585 4,103 SH   SOLE   0 0 4,103
LPL FINL HLDGS INC COM 50212V100 293 1,341 SH   SOLE   0 0 1,341
MANHATTAN BRDG CAP INC COM 562803106 173 30,586 SH   SOLE   0 0 30,586
MARSH & MCLENNAN COS INC COM 571748102 570 3,818 SH   SOLE   0 0 3,818
MASTERCARD INCORPORATED CL A 57636Q104 848 2,983 SH   SOLE   0 0 2,983
MCDONALDS CORP COM 580135101 719 3,118 SH   SOLE   0 0 3,118
MERCK & CO INC COM 58933Y105 1,785 20,729 SH   SOLE   0 0 20,729
META PLATFORMS INC CL A 30303M102 555 4,093 SH   SOLE   0 0 4,093
MICROSOFT CORP COM 594918104 3,123 13,408 SH   SOLE   0 0 13,408
MODEL N INC COM 607525102 979 28,615 SH   SOLE   0 0 28,615
NEXTERA ENERGY INC COM 65339F101 446 5,690 SH   SOLE   0 0 5,690
NORDSON CORP COM 655663102 238 1,121 SH   SOLE   0 0 1,121
NVIDIA CORPORATION COM 67066G104 317 2,613 SH   SOLE   0 0 2,613
ORACLE CORP COM 68389X105 290 4,747 SH   SOLE   0 0 4,747
PEMBINA PIPELINE CORP COM 706327103 633 20,831 SH   SOLE   0 0 20,831
PEPSICO INC COM 713448108 620 3,799 SH   SOLE   0 0 3,799
PFIZER INC COM 717081103 1,814 41,464 SH   SOLE   0 0 41,464
PHILIP MORRIS INTL INC COM 718172109 504 6,075 SH   SOLE   0 0 6,075
PHILLIPS 66 COM 718546104 392 4,851 SH   SOLE   0 0 4,851
PNC FINL SVCS GROUP INC COM 693475105 681 4,560 SH   SOLE   0 0 4,560
PROCTER AND GAMBLE CO COM 742718109 1,691 13,396 SH   SOLE   0 0 13,396
PROSPECT CAP CORP COM 74348T102 319 51,449 SH   SOLE   0 0 51,449
PRUDENTIAL FINL INC COM 744320102 314 3,659 SH   SOLE   0 0 3,659
RAYTHEON TECHNOLOGIES CORP COM 75513E101 292 3,572 SH   SOLE   0 0 3,572
S&P GLOBAL INC COM 78409V104 494 1,617 SH   SOLE   0 0 1,617
SALESFORCE INC COM 79466L302 811 5,641 SH   SOLE   0 0 5,641
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,709 167,402 SH   SOLE   0 0 167,402
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 704 16,755 SH   SOLE   0 0 16,755
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 57,399 1,028,476 SH   SOLE   0 0 1,028,476
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 4,393 75,081 SH   SOLE   0 0 75,081
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 389 9,191 SH   SOLE   0 0 9,191
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 895 23,669 SH   SOLE   0 0 23,669
SEI INVTS CO COM 784117103 4,695 95,723 SH   SOLE   0 0 95,723
SORRENTO THERAPEUTICS INC COM NEW 83587F202 17 11,146 SH   SOLE   0 0 11,146
SOUTHERN CO COM 842587107 315 4,637 SH   SOLE   0 0 4,637
SPDR S&P 500 ETF TR TR UNIT 78462F103 6,154 17,229 SH   SOLE   0 0 17,229
SPDR SER TR NUVEEN BLOOMBERG 78464A284 2,481 51,767 SH   SOLE   0 0 51,767
SPDR SER TR S&P DIVID ETF 78464A763 204 1,825 SH   SOLE   0 0 1,825
TESLA INC COM 88160R101 1,008 3,801 SH   SOLE   0 0 3,801
THERMO FISHER SCIENTIFIC INC COM 883556102 1,258 2,480 SH   SOLE   0 0 2,480
TJX COS INC NEW COM 872540109 720 11,594 SH   SOLE   0 0 11,594
TRUIST FINL CORP COM 89832Q109 219 5,029 SH   SOLE   0 0 5,029
UNION PAC CORP COM 907818108 581 2,981 SH   SOLE   0 0 2,981
UNITED PARCEL SERVICE INC CL B 911312106 598 3,700 SH   SOLE   0 0 3,700
UNITEDHEALTH GROUP INC COM 91324P102 606 1,199 SH   SOLE   0 0 1,199
US BANCORP DEL COM NEW 902973304 432 10,710 SH   SOLE   0 0 10,710
VANGUARD INDEX FDS GROWTH ETF 922908736 5,117 23,915 SH   SOLE   0 0 23,915
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,680 8,165 SH   SOLE   0 0 8,165
VANGUARD INDEX FDS SM CP VAL ETF 922908611 213 1,487 SH   SOLE   0 0 1,487
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,674 15,643 SH   SOLE   0 0 15,643
VANGUARD INDEX FDS SML CP GRW ETF 922908595 325 1,664 SH   SOLE   0 0 1,664
VANGUARD INDEX FDS TOTAL STK MKT 922908769 618 3,441 SH   SOLE   0 0 3,441
VANGUARD INDEX FDS VALUE ETF 922908744 60,211 487,621 SH   SOLE   0 0 487,621
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,670 73,162 SH   SOLE   0 0 73,162
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 6,785 41,529 SH   SOLE   0 0 41,529
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 391 2,894 SH   SOLE   0 0 2,894
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 735 20,228 SH   SOLE   0 0 20,228
VERISK ANALYTICS INC COM 92345Y106 631 3,701 SH   SOLE   0 0 3,701
VERIZON COMMUNICATIONS INC COM 92343V104 469 12,359 SH   SOLE   0 0 12,359
VISA INC COM CL A 92826C839 1,395 7,850 SH   SOLE   0 0 7,850
WESTERN ASSET EMERGING MKTS COM 95766A101 159 19,961 SH   SOLE   0 0 19,961
WISDOMTREE TR US QTLY DIV GRT 97717X669 336 6,235 SH   SOLE   0 0 6,235
WP CAREY INC COM 92936U109 278 3,979 SH   SOLE   0 0 3,979
XYLEM INC COM 98419M100 467 5,341 SH   SOLE   0 0 5,341
ZOETIS INC CL A 98978V103 634 4,277 SH   SOLE   0 0 4,277