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 670,920 4,933 SH SOLE 0 0 0 4,933
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 931,640 3,117 SH SOLE 0 0 0 3,117
ADOBE INC COM 00724F101 208,141 538 SH SOLE 0 0 0 538
AFLAC INC COM 001055102 1,110,877 10,534 SH SOLE 0 0 0 10,534
AIR PRODS & CHEMS INC COM 009158106 1,259,013 4,464 SH SOLE 0 0 0 4,464
ALPHABET INC CAP STK CL A 02079K305 3,724,101 21,132 SH SOLE 0 0 0 21,132
AMAZON COM INC COM 023135106 4,952,949 22,576 SH SOLE 0 0 0 22,576
AMERICAN ELEC PWR CO INC COM 025537101 1,135,416 10,943 SH SOLE 0 0 0 10,943
AMERICAN WTR WKS CO INC NEW COM 030420103 230,418 1,656 SH SOLE 0 0 0 1,656
AMGEN INC COM 031162100 284,544 1,019 SH SOLE 0 0 0 1,019
APPLE INC COM 037833100 5,867,065 28,596 SH SOLE 0 0 0 28,596
ATMOS ENERGY CORP COM 049560105 1,175,098 7,625 SH SOLE 0 0 0 7,625
AUTOMATIC DATA PROCESSING IN COM 053015103 503,077 1,631 SH SOLE 0 0 0 1,631
AUTOZONE INC COM 053332102 597,669 161 SH SOLE 0 0 0 161
BECTON DICKINSON & CO COM 075887109 637,830 3,703 SH SOLE 0 0 0 3,703
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 272,031 560 SH SOLE 0 0 0 560
BLACKROCK ETF TRUST US CARBON TRANS 09290C509 256,982 3,820 SH SOLE 0 0 0 3,820
BLACKROCK INC COM 09290D101 689,895 658 SH SOLE 0 0 0 658
BROADCOM INC COM 11135F101 343,790 1,247 SH SOLE 0 0 0 1,247
BROWN & BROWN INC COM 115236101 394,767 3,561 SH SOLE 0 0 0 3,561
CELESTICA INC COM 15101Q207 214,651 1,375 SH SOLE 0 0 0 1,375
CHEMED CORP NEW COM 16359R103 240,056 493 SH SOLE 0 0 0 493
CHURCH & DWIGHT CO INC COM 171340102 408,612 4,252 SH SOLE 0 0 0 4,252
CINTAS CORP COM 172908105 384,984 1,727 SH SOLE 0 0 0 1,727
CISCO SYS INC COM 17275R102 558,175 8,045 SH SOLE 0 0 0 8,045
CLOROX CO DEL COM 189054109 312,803 2,605 SH SOLE 0 0 0 2,605
COCA COLA CO COM 191216100 424,048 5,994 SH SOLE 0 0 0 5,994
COMCAST CORP NEW CL A 20030N101 686,245 19,228 SH SOLE 0 0 0 19,228
COSTCO WHSL CORP NEW COM 22160K105 4,056,970 4,098 SH SOLE 0 0 0 4,098
D R HORTON INC COM 23331A109 200,471 1,555 SH SOLE 0 0 0 1,555
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 2,808,121 94,613 SH SOLE 0 0 0 94,613
DIMENSIONAL ETF TRUST GLOBAL EX US COR 25434V575 3,464,985 64,936 SH SOLE 0 0 0 64,936
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658 1,313,844 48,969 SH SOLE 0 0 0 48,969
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 1,538,096 46,736 SH SOLE 0 0 0 46,736
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 2,883,623 97,982 SH SOLE 0 0 0 97,982
EATON CORP PLC SHS G29183103 421,248 1,180 SH SOLE 0 0 0 1,180
EBAY INC. COM 278642103 206,059 2,767 SH SOLE 0 0 0 2,767
ECOLAB INC COM 278865100 846,483 3,142 SH SOLE 0 0 0 3,142
ELI LILLY & CO COM 532457108 485,431 623 SH SOLE 0 0 0 623
EOG RES INC COM 26875P101 1,242,870 10,391 SH SOLE 0 0 0 10,391
EQUINIX INC COM 29444U700 816,853 1,027 SH SOLE 0 0 0 1,027
ESSENTIAL UTILS INC COM 29670G102 214,181 5,767 SH SOLE 0 0 0 5,767
EXXON MOBIL CORP COM 30231G102 1,464,455 13,585 SH SOLE 0 0 0 13,585
GOLDMAN SACHS GROUP INC COM 38141G104 1,689,929 2,388 SH SOLE 0 0 0 2,388
HOME DEPOT INC COM 437076102 921,582 2,514 SH SOLE 0 0 0 2,514
ILLINOIS TOOL WKS INC COM 452308109 978,080 3,956 SH SOLE 0 0 0 3,956
INGREDION INC COM 457187102 1,371,272 10,111 SH SOLE 0 0 0 10,111
INTUIT COM 461202103 701,423 891 SH SOLE 0 0 0 891
ISHARES TR CORE S&P500 ETF 464287200 2,412,099 3,885 SH SOLE 0 0 0 3,885
ISHARES TR SHRT NAT MUN ETF 464288158 880,958 8,284 SH SOLE 0 0 0 8,284
ISHARES TR CORE INTL AGGR 46435G672 322,787 6,318 SH SOLE 0 0 0 6,318
ISHARES TR ESG ADV TTL USD 46436E619 219,115 5,031 SH SOLE 0 0 0 5,031
ISHARES TR ESG AWR MSCI USA 46435G425 380,249 2,810 SH SOLE 0 0 0 2,810
ISHARES TR ESG MSCI KLD 400 464288570 419,543 3,612 SH SOLE 0 0 0 3,612
ISHARES TR NATIONAL MUN ETF 464288414 1,203,470 11,519 SH SOLE 0 0 0 11,519
ISHARES TR RUS 1000 ETF 464287622 1,224,658 3,606 SH SOLE 0 0 0 3,606
ISHARES TR 0-5 YR TIPS ETF 46429B747 241,329 2,345 SH SOLE 0 0 0 2,345
ISHARES TR TIPS BD ETF 464287176 255,494 2,322 SH SOLE 0 0 0 2,322
ISHARES TR CORE S&P TTL STK 464287150 494,873 3,665 SH SOLE 0 0 0 3,665
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 412,012 8,300 SH SOLE 0 0 0 8,300
JOHNSON & JOHNSON COM 478160104 1,206,179 7,896 SH SOLE 0 0 0 7,896
JPMORGAN CHASE & CO. COM 46625H100 534,997 1,845 SH SOLE 0 0 0 1,845
KLA CORP COM NEW 482480100 261,010 291 SH SOLE 0 0 0 291
LINDE PLC SHS G54950103 315,434 672 SH SOLE 0 0 0 672
LOCKHEED MARTIN CORP COM 539830109 1,094,348 2,363 SH SOLE 0 0 0 2,363
LOWES COS INC COM 548661107 648,065 2,921 SH SOLE 0 0 0 2,921
MARVELL TECHNOLOGY INC COM 573874104 213,507 2,758 SH SOLE 0 0 0 2,758
MASTERCARD INCORPORATED CL A 57636Q104 351,659 626 SH SOLE 0 0 0 626
MCDONALDS CORP COM 580135101 417,035 1,427 SH SOLE 0 0 0 1,427
MEDTRONIC PLC SHS G5960L103 1,537,946 17,643 SH SOLE 0 0 0 17,643
META PLATFORMS INC CL A 30303M102 771,452 1,045 SH SOLE 0 0 0 1,045
MICROSOFT CORP COM 594918104 7,139,202 14,353 SH SOLE 0 0 0 14,353
NVIDIA CORPORATION COM 67066G104 1,188,504 7,523 SH SOLE 0 0 0 7,523
ORACLE CORP COM 68389X105 484,536 2,216 SH SOLE 0 0 0 2,216
PEPSICO INC COM 713448108 206,258 1,562 SH SOLE 0 0 0 1,562
PIMCO ETF TR INTER MUN BD ACT 72201R866 1,041,389 20,276 SH SOLE 0 0 0 20,276
PPG INDS INC COM 693506107 1,215,453 10,685 SH SOLE 0 0 0 10,685
PROCTER AND GAMBLE CO COM 742718109 2,308,817 14,492 SH SOLE 0 0 0 14,492
PUBLIC STORAGE OPER CO COM 74460D109 1,107,639 3,775 SH SOLE 0 0 0 3,775
REPUBLIC SVCS INC COM 760759100 840,834 3,410 SH SOLE 0 0 0 3,410
RESMED INC COM 761152107 209,007 810 SH SOLE 0 0 0 810
S&P GLOBAL INC COM 78409V104 384,361 729 SH SOLE 0 0 0 729
SALESFORCE INC COM 79466L302 535,309 1,963 SH SOLE 0 0 0 1,963
SCHWAB CHARLES CORP COM 808513105 246,261 2,699 SH SOLE 0 0 0 2,699
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 5,044,240 201,528 SH SOLE 0 0 0 201,528
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,989,018 81,584 SH SOLE 0 0 0 81,584
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,145,792 48,082 SH SOLE 0 0 0 48,082
SELECT SECTOR SPDR TR ENERGY 81369Y506 753,102 8,880 SH SOLE 0 0 0 8,880
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 214,475 1,976 SH SOLE 0 0 0 1,976
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 286,581 6,919 SH SOLE 0 0 0 6,919
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 211,957 837 SH SOLE 0 0 0 837
SERVICENOW INC COM 81762P102 411,232 400 SH SOLE 0 0 0 400
SHERWIN WILLIAMS CO COM 824348106 1,197,543 3,488 SH SOLE 0 0 0 3,488
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 1,634,171 3,709 SH SOLE 0 0 0 3,709
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,357,120 2,197 SH SOLE 0 0 0 2,197
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 1,206,838 16,603 SH SOLE 0 0 0 16,603
SYSCO CORP COM 871829107 871,178 11,502 SH SOLE 0 0 0 11,502
T-MOBILE US INC COM 872590104 929,771 3,902 SH SOLE 0 0 0 3,902
TARGET CORP COM 87612E106 256,679 2,602 SH SOLE 0 0 0 2,602
TESLA INC COM 88160R101 728,712 2,294 SH SOLE 0 0 0 2,294
THERMO FISHER SCIENTIFIC INC COM 883556102 1,575,612 3,886 SH SOLE 0 0 0 3,886
TJX COS INC NEW COM 872540109 486,180 3,937 SH SOLE 0 0 0 3,937
TRACTOR SUPPLY CO COM 892356106 204,370 3,873 SH SOLE 0 0 0 3,873
UNITEDHEALTH GROUP INC COM 91324P102 207,283 664 SH SOLE 0 0 0 664
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 5,192,732 104,882 SH SOLE 0 0 0 104,882
VANGUARD INDEX FDS TOTAL STK MKT 922908769 17,863,138 58,774 SH SOLE 0 0 0 58,774
VANGUARD INDEX FDS SM CP VAL ETF 922908611 271,673 1,393 SH SOLE 0 0 0 1,393
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 241,332 4,801 SH SOLE 0 0 0 4,801
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 815,053 16,624 SH SOLE 0 0 0 16,624
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 7,085,905 85,455 SH SOLE 0 0 0 85,455
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 6,797,436 85,502 SH SOLE 0 0 0 85,502
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 705,524 11,796 SH SOLE 0 0 0 11,796
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 5,590,510 98,062 SH SOLE 0 0 0 98,062
VISA INC COM CL A 92826C839 2,217,061 6,244 SH SOLE 0 0 0 6,244
WALMART INC COM 931142103 1,451,972 14,849 SH SOLE 0 0 0 14,849