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
ALPHABET INC CAP STK CL A 02079K305   427,946 2,349 SH   SOLE   0 0 2,349
AMAZON COM INC COM 023135106   250,676 1,297 SH   SOLE   0 0 1,297
APPLE INC COM 037833100   1,160,423 5,509 SH   SOLE   0 0 5,509
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   523,958 1,288 SH   SOLE   0 0 1,288
BROADCOM INC COM 11135F101   473,002 294 SH   SOLE   0 0 294
CAPITAL GROUP CORE EQUITY ET SHS CREATION UNI 14020V108   264,910 8,214 SH   SOLE   0 0 8,214
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   639,539 19,379 SH   SOLE   0 0 19,379
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   434,866 13,221 SH   SOLE   0 0 13,221
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   764,785 29,735 SH   SOLE   0 0 29,735
CARRIER GLOBAL CORPORATION COM 14448C104   335,649 5,321 SH   SOLE   0 0 5,321
CATERPILLAR INC COM 149123101   224,090 672 SH   SOLE   0 0 672
CHESAPEAKE UTILS CORP COM 165303108   376,373 3,544 SH   SOLE   0 0 3,544
CHEVRON CORP NEW COM 166764100   376,240 2,405 SH   SOLE   0 0 2,405
CLEVELAND-CLIFFS INC NEW COM 185899101   726,253 47,189 SH   SOLE   0 0 47,189
COCA COLA CO COM 191216100   353,019 5,546 SH   SOLE   0 0 5,546
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   5,520,586 209,988 SH   SOLE   0 0 209,988
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   12,471,094 386,820 SH   SOLE   0 0 386,820
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   692,347 27,236 SH   SOLE   0 0 27,236
EXXON MOBIL CORP COM 30231G102   1,199,963 10,423 SH   SOLE   0 0 10,423
FIDELITY COVINGTON TRUST BLUE CHIP GRWTH 316092352   442,739 10,432 SH   SOLE   0 0 10,432
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   532,978 11,862 SH   SOLE   0 0 11,862
FIDELITY NATL INFORMATION SV COM 31620M106   248,638 3,299 SH   SOLE   0 0 3,299
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   1,905,402 39,654 SH   SOLE   0 0 39,654
FIRST TR EXCHANGE-TRADED FD SMID RISNG ETF 33741X102   976,085 29,241 SH   SOLE   0 0 29,241
FLUOR CORP NEW COM 343412102   205,121 4,710 SH   SOLE   0 0 4,710
GENERAL DYNAMICS CORP COM 369550108   262,114 903 SH   SOLE   0 0 903
ILLINOIS TOOL WKS INC COM 452308109   328,609 1,386 SH   SOLE   0 0 1,386
ISHARES TR CORE DIV GRWTH 46434V621   15,304,705 265,660 SH   SOLE   0 0 265,660
ISHARES TR CORE HIGH DV ETF 46429B663   2,623,032 24,130 SH   SOLE   0 0 24,130
ISHARES TR CORE MSCI EAFE 46432F842   318,613 4,386 SH   SOLE   0 0 4,386
ISHARES TR CORE MSCI TOTAL 46432F834   2,112,664 31,270 SH   SOLE   0 0 31,270
ISHARES TR CORE S&P MCP ETF 464287507   7,491,457 128,015 SH   SOLE   0 0 128,015
ISHARES TR CORE S&P SCP ETF 464287804   6,659,445 62,436 SH   SOLE   0 0 62,436
ISHARES TR CORE S&P TTL STK 464287150   1,767,525 14,880 SH   SOLE   0 0 14,880
ISHARES TR CORE S&P500 ETF 464287200   354,585 647 SH   SOLE   0 0 647
ISHARES TR IBONDS 24 TRM TS 46436E874   5,265,081 219,561 SH   SOLE   0 0 219,561
ISHARES TR IBONDS 25 TRM TS 46436E866   4,270,600 183,919 SH   SOLE   0 0 183,919
ISHARES TR IBONDS 26 TRM TS 46436E858   333,943 14,740 SH   SOLE   0 0 14,740
ISHARES TR IBONDS DEC 46435U697   305,162 11,716 SH   SOLE   0 0 11,716
ISHARES TR IBONDS DEC24 ETF 46434VBG4   443,572 17,651 SH   SOLE   0 0 17,651
ISHARES TR INTL SEL DIV ETF 464288448   614,455 22,206 SH   SOLE   0 0 22,206
ISHARES TR MSCI USA MIN VOL 46429B697   844,759 10,061 SH   SOLE   0 0 10,061
ISHARES TR PFD AND INCM SEC 464288687   459,293 14,557 SH   SOLE   0 0 14,557
ISHARES TR U.S. ENERGY ETF 464287796   217,820 4,537 SH   SOLE   0 0 4,537
JOHNSON & JOHNSON COM 478160104   441,421 3,020 SH   SOLE   0 0 3,020
KIMBERLY-CLARK CORP COM 494368103   275,881 1,996 SH   SOLE   0 0 1,996
MERCK & CO INC COM 58933Y105   203,898 1,646 SH   SOLE   0 0 1,646
MGE ENERGY INC COM 55277P104   269,067 3,601 SH   SOLE   0 0 3,601
MICROSOFT CORP COM 594918104   3,482,603 7,791 SH   SOLE   0 0 7,791
NEWMONT CORP COM 651639106   263,106 6,283 SH   SOLE   0 0 6,283
NVIDIA CORPORATION COM 67066G104   3,283,448 26,578 SH   SOLE   0 0 26,578
OTIS WORLDWIDE CORP COM 68902V107   266,159 2,765 SH   SOLE   0 0 2,765
PROSHARES TR S&P 500 DV ARIST 74348A467   684,818 7,123 SH   SOLE   0 0 7,123
PROSHARES TR S&P MDCP 400 DIV 74347B680   3,170,182 43,067 SH   SOLE   0 0 43,067
QUANTA SVCS INC COM 74762E102   436,528 1,718 SH   SOLE   0 0 1,718
RTX CORPORATION COM 75513E101   613,616 6,112 SH   SOLE   0 0 6,112
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,393,353 20,448 SH   SOLE   0 0 20,448
SPDR S&P 500 ETF TR TR UNIT 78462F103   255,790 470 SH   SOLE   0 0 470
SPDR SER TR S&P DIVID ETF 78464A763   260,364 2,047 SH   SOLE   0 0 2,047
TOYOTA MOTOR CORP ADS 892331307   359,035 1,751 SH   SOLE   0 0 1,751
UNION PAC CORP COM 907818108   516,241 2,281 SH   SOLE   0 0 2,281
UNITEDHEALTH GROUP INC COM 91324P102   484,068 950 SH   SOLE   0 0 950
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   213,355 2,172 SH   SOLE   0 0 2,172
VANGUARD INDEX FDS MID CAP ETF 922908629   315,212 1,301 SH   SOLE   0 0 1,301
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,109,475 13,245 SH   SOLE   0 0 13,245
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,960,530 11,066 SH   SOLE   0 0 11,066
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,011,854 5,542 SH   SOLE   0 0 5,542
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   412,569 3,478 SH   SOLE   0 0 3,478
WALMART INC COM 931142103   617,957 9,126 SH   SOLE   0 0 9,126
WEC ENERGY GROUP INC COM 92939U106   213,384 2,719 SH   SOLE   0 0 2,719
WHEATON PRECIOUS METALS CORP COM 962879102   1,615,546 30,819 SH   SOLE   0 0 30,819
WP CAREY INC COM 92936U109   429,057 7,793 SH   SOLE   0 0 7,793