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
Expires: July 31, 2015
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 262,771 1,932 SH SOLE 0 0 1,932
ABBVIE INC COM 00287Y109 377,922 2,036 SH SOLE 0 0 2,036
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 409,180 1,369 SH SOLE 0 0 1,369
ADVANCED MICRO DEVICES INC COM 007903107 342,263 2,412 SH SOLE 0 0 2,412
ALPHABET INC CAP STK CL A 02079K305 1,535,140 8,711 SH SOLE 0 0 8,711
ALPHABET INC CAP STK CL C 02079K107 773,598 4,361 SH SOLE 0 0 4,361
AMAZON COM INC COM 023135106 2,477,352 11,292 SH SOLE 0 0 11,292
AMCOR PLC ORD G0250X107 169,684 18,464 SH SOLE 0 0 18,464
AMERICAN CENTY ETF TR US SML CP VALU 025072877 230,119 2,526 SH SOLE 0 0 2,526
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 632,282 9,225 SH SOLE 0 0 9,225
AMERICAN EXPRESS CO COM 025816109 400,639 1,256 SH SOLE 0 0 1,256
AMGEN INC COM 031162100 279,210 1,000 SH SOLE 0 0 1,000
APPLE INC COM 037833100 5,509,623 26,854 SH SOLE 0 0 26,854
APPLIED MATLS INC COM 038222105 404,951 2,212 SH SOLE 0 0 2,212
AT&T INC COM 00206R102 271,557 9,383 SH SOLE 0 0 9,383
AUTOMATIC DATA PROCESSING IN COM 053015103 957,418 3,104 SH SOLE 0 0 3,104
BANCO SANTANDER S.A. ADR 05964H105 104,447 12,584 SH SOLE 0 0 12,584
BANK AMERICA CORP COM 060505104 336,706 7,116 SH SOLE 0 0 7,116
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 959,396 1,975 SH SOLE 0 0 1,975
BEST BUY INC COM 086516101 262,545 3,911 SH SOLE 0 0 3,911
BLACKROCK ETF TRUST ISHARES US THEMA 09290C806 2,061,799 57,948 SH SOLE 0 0 57,948
BLACKROCK ETF TRUST ISHARES A I INNO 09290C780 790,723 27,408 SH SOLE 0 0 27,408
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 4,768,578 87,561 SH SOLE 0 0 87,561
BLACKROCK ETF TRUST US CARBON TRANS 09290C509 561,048 8,340 SH SOLE 0 0 8,340
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603 1,865,784 35,310 SH SOLE 0 0 35,310
BLACKROCK INC COM 09290D101 913,897 871 SH SOLE 0 0 871
BLACKSTONE INC COM 09260D107 237,533 1,588 SH SOLE 0 0 1,588
BOSTON SCIENTIFIC CORP COM 101137107 241,565 2,249 SH SOLE 0 0 2,249
BROADCOM INC COM 11135F101 2,027,957 7,357 SH SOLE 0 0 7,357
CAL MAINE FOODS INC COM NEW 128030202 409,679 4,112 SH SOLE 0 0 4,112
CAPITAL ONE FINL CORP COM 14040H105 302,545 1,422 SH SOLE 0 0 1,422
CHEVRON CORP NEW COM 166764100 257,599 1,799 SH SOLE 0 0 1,799
CHUBB LIMITED COM H1467J104 210,337 726 SH SOLE 0 0 726
CISCO SYS INC COM 17275R102 591,263 8,522 SH SOLE 0 0 8,522
CITIZENS FINL GROUP INC COM 174610105 214,442 4,792 SH SOLE 0 0 4,792
CME GROUP INC COM 12572Q105 324,405 1,177 SH SOLE 0 0 1,177
COCA COLA CO COM 191216100 349,010 4,933 SH SOLE 0 0 4,933
COSTCO WHSL CORP NEW COM 22160K105 1,460,162 1,475 SH SOLE 0 0 1,475
CVS HEALTH CORP COM 126650100 301,925 4,377 SH SOLE 0 0 4,377
DBX ETF TR XTRACK MSCI EAFE 233051200 404,766 9,252 SH SOLE 867 0 8,385
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 252,696 8,514 SH SOLE 0 0 8,514
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 901,890 29,009 SH SOLE 0 0 29,009
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 1,528,882 36,178 SH SOLE 0 0 36,178
DOW INC COM 260557103 409,566 15,467 SH SOLE 0 0 15,467
EATON CORP PLC SHS G29183103 263,816 739 SH SOLE 0 0 739
ELI LILLY & CO COM 532457108 978,995 1,256 SH SOLE 0 0 1,256
EQUITY LIFESTYLE PPTYS INC COM 29472R108 1,404,411 22,773 SH SOLE 0 0 22,773
EXXON MOBIL CORP COM 30231G102 786,509 7,296 SH SOLE 0 0 7,296
FIDELITY COVINGTON TRUST SML MID MLTFCT 316092527 203,618 4,910 SH SOLE 0 0 4,910
FIDELITY COVINGTON TRUST LOW VOLITY ETF 316092824 223,631 3,561 SH SOLE 0 0 3,561
FIDELITY COVINGTON TRUST QLTY FCTOR ETF 316092790 458,026 6,578 SH SOLE 0 0 6,578
FIDELITY COVINGTON TRUST VLU FACTOR ETF 316092782 563,972 8,830 SH SOLE 0 0 8,830
FIDELITY COVINGTON TRUST MOMENTUM FACTR 316092816 597,625 7,878 SH SOLE 0 0 7,878
FIDELITY COVINGTON TRUST HIGH DIVID ETF 316092840 203,398 3,910 SH SOLE 0 0 3,910
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 913,079 19,958 SH SOLE 0 0 19,958
GALLAGHER ARTHUR J & CO COM 363576109 491,064 1,534 SH SOLE 0 0 1,534
GARMIN LTD SHS H2906T109 295,756 1,417 SH SOLE 0 0 1,417
GE AEROSPACE COM NEW 369604301 305,007 1,185 SH SOLE 0 0 1,185
GENERAL DYNAMICS CORP COM 369550108 392,113 1,344 SH SOLE 0 0 1,344
GILEAD SCIENCES INC COM 375558103 377,401 3,404 SH SOLE 0 0 3,404
HOME DEPOT INC COM 437076102 686,962 1,874 SH SOLE 0 0 1,874
HONEYWELL INTL INC COM 438516106 229,387 985 SH SOLE 0 0 985
INTERNATIONAL BUSINESS MACHS COM 459200101 1,507,237 5,113 SH SOLE 0 0 5,113
INTUIT COM 461202103 1,013,807 1,287 SH SOLE 0 0 1,287
INTUITIVE SURGICAL INC COM NEW 46120E602 309,200 569 SH SOLE 0 0 569
ISHARES GOLD TR ISHARES NEW 464285204 901,913 14,463 SH SOLE 0 0 14,463
ISHARES INC CORE MSCI EMKT 46434G103 3,861,018 64,318 SH SOLE 312 0 64,006
ISHARES INC EMNG MKTS EQT 46434G889 255,039 4,898 SH SOLE 0 0 4,898
ISHARES TR US TREAS BD ETF 46429B267 998,540 43,453 SH SOLE 4,203 0 39,250
ISHARES TR CORE S&P US GWT 464287671 770,650 5,124 SH SOLE 0 0 5,124
ISHARES TR ESG ADV TTL USD 46436E619 301,584 6,925 SH SOLE 0 0 6,925
ISHARES TR CORE S&P SCP ETF 464287804 579,346 5,301 SH SOLE 0 0 5,301
ISHARES TR RUS 2000 GRW ETF 464287648 557,141 1,949 SH SOLE 0 0 1,949
ISHARES TR CORE S&P US VLU 464287663 1,461,844 15,448 SH SOLE 0 0 15,448
ISHARES TR IBOXX INV CP ETF 464287242 213,740 1,950 SH SOLE 0 0 1,950
ISHARES TR S&P 100 ETF 464287101 2,742,644 9,011 SH SOLE 0 0 9,011
ISHARES TR CORE S&P TTL STK 464287150 3,573,564 26,463 SH SOLE 0 0 26,463
ISHARES TR CORE INTL AGGR 46435G672 1,943,157 38,034 SH SOLE 0 0 38,034
ISHARES TR ISHS 5-10YR INVT 464288638 663,246 12,446 SH SOLE 1,357 0 11,089
ISHARES TR ESG EAFE ETF 46436E759 222,278 2,986 SH SOLE 0 0 2,986
ISHARES TR MRGSTR MD CP ETF 464288208 465,294 5,841 SH SOLE 0 0 5,841
ISHARES TR ESG MSCI KLD 400 464288570 390,414 3,361 SH SOLE 0 0 3,361
ISHARES TR ESG AWR MSCI USA 46435G425 980,113 7,244 SH SOLE 0 0 7,244
ISHARES TR CORE US AGGBD ET 464287226 2,953,878 29,777 SH SOLE 155 0 29,622
ISHARES TR SELECT DIVID ETF 464287168 225,113 1,695 SH SOLE 0 0 1,695
ISHARES TR ESG MSCI USA ETF 46436E767 371,362 6,886 SH SOLE 0 0 6,886
ISHARES TR GNMA BOND ETF 46429B333 419,063 9,535 SH SOLE 0 0 9,535
ISHARES TR 0-5 YR TIPS ETF 46429B747 274,564 2,668 SH SOLE 0 0 2,668
ISHARES TR CORE MSCI PAC 46434V696 209,535 3,050 SH SOLE 0 0 3,050
ISHARES TR ESG OPTIMIZED 464288802 204,261 1,612 SH SOLE 0 0 1,612
ISHARES TR 10-20 YR TRS ETF 464288653 2,082,520 20,497 SH SOLE 0 0 20,497
ISHARES TR MSCI USA QLT FCT 46432F339 5,434,564 29,726 SH SOLE 0 0 29,726
ISHARES TR RUS 2000 VAL ETF 464287630 226,386 1,435 SH SOLE 0 0 1,435
ISHARES TR JPMORGAN USD EMG 464288281 763,356 8,242 SH SOLE 0 0 8,242
ISHARES TR ESG AWR US AGRGT 46435U549 501,595 10,551 SH SOLE 0 0 10,551
ISHARES TR U.S. TECH ETF 464287721 1,940,159 11,197 SH SOLE 0 0 11,197
ISHARES TR CORE TOTAL USD 46434V613 14,899,600 322,293 SH SOLE 0 0 322,293
ISHARES TR CORE MSCI TOTAL 46432F834 523,698 6,774 SH SOLE 0 0 6,774
ISHARES TR EAFE GRWTH ETF 464288885 5,832,086 52,072 SH SOLE 0 0 52,072
ISHARES TR ISHS 1-5YR INVS 464288646 306,799 5,815 SH SOLE 0 0 5,815
ISHARES TR MSCI USA MMENTM 46432F396 1,236,685 5,146 SH SOLE 0 0 5,146
ISHARES TR CORE S&P500 ETF 464287200 45,582,674 73,414 SH SOLE 111 0 73,303
ISHARES TR 0-5YR INVT GR CP 46434V100 519,509 10,269 SH SOLE 0 0 10,269
ISHARES TR MSCI INTL VLU FT 46435G409 795,971 24,201 SH SOLE 0 0 24,201
ISHARES TR EUROPE ETF 464287861 481,712 7,616 SH SOLE 0 0 7,616
ISHARES TR GLB INFRASTR ETF 464288372 491,952 8,310 SH SOLE 0 0 8,310
ISHARES TR CORE MSCI EURO 46434V738 396,472 5,989 SH SOLE 0 0 5,989
ISHARES TR S&P SML 600 GWT 464287887 200,856 1,510 SH SOLE 176 0 1,334
ISHARES TR 20 YR TR BD ETF 464287432 1,695,228 19,209 SH SOLE 0 0 19,209
ISHARES TR EAFE VALUE ETF 464288877 4,523,506 71,259 SH SOLE 0 0 71,259
ISHARES TR CORE 1 5 YR USD 46432F859 7,281,119 149,663 SH SOLE 0 0 149,663
ISHARES TR MBS ETF 464288588 2,438,614 25,973 SH SOLE 394 0 25,579
ISHARES TR ESG AWRE USD ETF 46435G193 506,855 21,819 SH SOLE 0 0 21,819
ISHARES TR RUS MID CAP ETF 464287499 8,458,409 91,969 SH SOLE 0 0 91,969
ISHARES TR CORE S&P MCP ETF 464287507 754,287 12,162 SH SOLE 0 0 12,162
ISHARES TR S&P 500 VAL ETF 464287408 5,279,950 27,018 SH SOLE 332 0 26,686
ISHARES TR S&P 500 GRWT ETF 464287309 5,220,455 47,416 SH SOLE 637 0 46,779
ISHARES TR MSCI EMG MKT ETF 464287234 1,041,019 21,580 SH SOLE 0 0 21,580
ISHARES TR CORE MSCI EAFE 46432F842 1,710,376 20,488 SH SOLE 826 0 19,662
ISHARES TR RUSSELL 2000 ETF 464287655 528,637 2,450 SH SOLE 0 0 2,450
ISHARES TR RUS 1000 ETF 464287622 2,016,027 5,937 SH SOLE 0 0 5,937
ISHARES TR MSCI ACWI ETF 464288257 394,708 3,069 SH SOLE 0 0 3,069
J P MORGAN EXCHANGE TRADED F BETABUILDRS US 46641Q399 1,194,410 10,672 SH SOLE 0 0 10,672
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206 229,115 3,748 SH SOLE 0 0 3,748
JOHNSON & JOHNSON COM 478160104 497,507 3,257 SH SOLE 0 0 3,257
JPMORGAN CHASE & CO. COM 46625H100 1,124,517 3,879 SH SOLE 0 0 3,879
KINDER MORGAN INC DEL COM 49456B101 471,223 16,028 SH SOLE 0 0 16,028
LAM RESEARCH CORP COM NEW 512807306 426,933 4,386 SH SOLE 0 0 4,386
LINDE PLC SHS G54950103 427,892 912 SH SOLE 0 0 912
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 45,292 10,657 SH SOLE 0 0 10,657
LOWES COS INC COM 548661107 297,971 1,343 SH SOLE 0 0 1,343
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 335,357 5,796 SH SOLE 0 0 5,796
MASTERCARD INCORPORATED CL A 57636Q104 944,059 1,680 SH SOLE 0 0 1,680
MCDONALDS CORP COM 580135101 283,204 969 SH SOLE 0 0 969
MERCK & CO INC COM 58933Y105 207,795 2,625 SH SOLE 0 0 2,625
META PLATFORMS INC CL A 30303M102 2,333,841 3,162 SH SOLE 0 0 3,162
MICROSOFT CORP COM 594918104 5,617,849 11,294 SH SOLE 0 0 11,294
MORGAN STANLEY COM NEW 617446448 242,138 1,719 SH SOLE 0 0 1,719
NASDAQ INC COM 631103108 546,624 6,113 SH SOLE 0 0 6,113
NETFLIX INC COM 64110L106 1,470,365 1,098 SH SOLE 0 0 1,098
NEXTERA ENERGY INC COM 65339F101 327,757 4,721 SH SOLE 0 0 4,721
NORFOLK SOUTHN CORP COM 655844108 598,714 2,339 SH SOLE 0 0 2,339
NOVO-NORDISK A S ADR 670100205 234,806 3,402 SH SOLE 0 0 3,402
NVIDIA CORPORATION COM 67066G104 9,930,015 62,852 SH SOLE 0 0 62,852
ONEOK INC NEW COM 682680103 372,886 4,568 SH SOLE 0 0 4,568
ORACLE CORP COM 68389X105 704,863 3,224 SH SOLE 0 0 3,224
PARK HOTELS & RESORTS INC COM 700517105 133,164 13,017 SH SOLE 0 0 13,017
PAYCHEX INC COM 704326107 214,990 1,478 SH SOLE 0 0 1,478
PFIZER INC COM 717081103 437,265 18,039 SH SOLE 0 0 18,039
PGIM ETF TR ACTV HY BD ETF 69344A206 833,696 23,491 SH SOLE 0 0 23,491
PHILIP MORRIS INTL INC COM 718172109 209,450 1,150 SH SOLE 0 0 1,150
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 525,500 5,531 SH SOLE 0 0 5,531
PRICE T ROWE GROUP INC COM 74144T108 253,216 2,624 SH SOLE 0 0 2,624
PROCTER AND GAMBLE CO COM 742718109 379,819 2,384 SH SOLE 0 0 2,384
QUALCOMM INC COM 747525103 567,762 3,565 SH SOLE 0 0 3,565
REALTY INCOME CORP COM 756109104 321,521 5,581 SH SOLE 0 0 5,581
REPUBLIC SVCS INC COM 760759100 681,877 2,765 SH SOLE 0 0 2,765
S&P GLOBAL INC COM 78409V104 808,336 1,533 SH SOLE 0 0 1,533
SALESFORCE INC COM 79466L302 290,415 1,065 SH SOLE 0 0 1,065
SAP SE SPON ADR 803054204 337,855 1,111 SH SOLE 0 0 1,111
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 4,559,386 196,187 SH SOLE 0 0 196,187
SCHWAB STRATEGIC TR US TIPS ETF 808524870 4,969,069 186,247 SH SOLE 0 0 186,247
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 202,843 1,869 SH SOLE 0 0 1,869
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 607,752 2,400 SH SOLE 0 0 2,400
SHORE BANCSHARES INC COM 825107105 1,023,844 65,130 SH SOLE 0 0 65,130
SKYWORKS SOLUTIONS INC COM 83088M102 334,967 4,495 SH SOLE 0 0 4,495
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 572,845 1,300 SH SOLE 0 0 1,300
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,476,891 8,864 SH SOLE 0 0 8,864
SPDR SERIES TRUST BLOOMBERG HIGH Y 78468R622 279,651 2,875 SH SOLE 0 0 2,875
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 4,059,774 42,591 SH SOLE 0 0 42,591
STERIS PLC SHS USD G8473T100 374,023 1,557 SH SOLE 0 0 1,557
STRYKER CORPORATION COM 863667101 777,413 1,965 SH SOLE 0 0 1,965
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 220,828 975 SH SOLE 0 0 975
TESLA INC COM 88160R101 1,202,130 3,784 SH SOLE 0 0 3,784
TRACTOR SUPPLY CO COM 892356106 538,043 10,196 SH SOLE 0 0 10,196
TRANE TECHNOLOGIES PLC SHS G8994E103 201,646 461 SH SOLE 0 0 461
TRUIST FINL CORP COM 89832Q109 594,208 13,822 SH SOLE 0 0 13,822
UNION PAC CORP COM 907818108 527,573 2,293 SH SOLE 0 0 2,293
UNITED PARCEL SERVICE INC CL B 911312106 336,029 3,329 SH SOLE 0 0 3,329
UNITEDHEALTH GROUP INC COM 91324P102 306,978 984 SH SOLE 0 0 984
US BANCORP DEL COM NEW 902973304 307,112 6,787 SH SOLE 0 0 6,787
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 2,642,320 14,002 SH SOLE 0 0 14,002
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,775,566 22,958 SH SOLE 0 0 22,958
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 423,814 5,756 SH SOLE 0 0 5,756
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 260,684 5,265 SH SOLE 0 0 5,265
VANGUARD INDEX FDS SM CP VAL ETF 922908611 703,093 3,605 SH SOLE 119 0 3,486
VANGUARD INDEX FDS MID CAP ETF 922908629 291,303 1,041 SH SOLE 0 0 1,041
VANGUARD INDEX FDS SML CP GRW ETF 922908595 203,828 736 SH SOLE 0 0 736
VANGUARD INDEX FDS TOTAL STK MKT 922908769 924,076 3,040 SH SOLE 0 0 3,040
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 6,189,079 10,896 SH SOLE 0 0 10,896
VANGUARD INDEX FDS VALUE ETF 922908744 1,320,235 7,470 SH SOLE 0 0 7,470
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 274,481 3,082 SH SOLE 243 0 2,839
VANGUARD INDEX FDS GROWTH ETF 922908736 1,293,981 2,952 SH SOLE 0 0 2,952
VANGUARD INDEX FDS LARGE CAP ETF 922908637 229,096 803 SH SOLE 0 0 803
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 510,775 10,418 SH SOLE 0 0 10,418
VANGUARD STAR FDS VG TL INTL STK F 921909768 2,566,707 37,150 SH SOLE 0 0 37,150
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 242,293 4,250 SH SOLE 0 0 4,250
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 227,537 628 SH SOLE 0 0 628
VANGUARD WORLD FD INF TECH ETF 92204A702 1,117,627 1,685 SH SOLE 0 0 1,685
VANGUARD WORLD FD FINANCIALS ETF 92204A405 333,017 2,616 SH SOLE 0 0 2,616
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 434,389 1,551 SH SOLE 0 0 1,551
VANGUARD WORLD FD COMM SRVC ETF 92204A884 360,360 2,107 SH SOLE 0 0 2,107
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 497,673 2,004 SH SOLE 0 0 2,004
VANGUARD WORLD FD CONSUM STP ETF 92204A207 202,575 925 SH SOLE 0 0 925
VERIZON COMMUNICATIONS INC COM 92343V104 935,667 21,624 SH SOLE 0 0 21,624
VISA INC COM CL A 92826C839 657,198 1,851 SH SOLE 0 0 1,851
WALMART INC COM 931142103 509,727 5,213 SH SOLE 0 0 5,213
WELLS FARGO CO NEW COM 949746101 259,429 3,238 SH SOLE 0 0 3,238
WISDOMTREE TR US QTLY DIV GRT 97717X669 1,773,049 21,173 SH SOLE 0 0 21,173