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
ABBVIE INC COM 00287Y109 294,579 1,587 SH SOLE 1,587 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 319,812 1,070 SH SOLE 1,070 0 0
ADOBE INC COM 00724F101 702,187 1,815 SH SOLE 1,815 0 0
ALPHABET INC CAP STK CL C 02079K107 2,994,335 16,879 SH SOLE 16,879 0 0
ALTRIA GROUP INC COM 02209S103 977,376 16,670 SH SOLE 16,670 0 0
AMAZON COM INC COM 023135106 4,403,922 20,073 SH SOLE 20,073 0 0
APPLE INC COM 037833100 722,849 3,523 SH SOLE 3,523 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210 4,063,248 5,070 SH SOLE 5,070 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 305,316 990 SH SOLE 990 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 322,066 663 SH SOLE 663 0 0
BOOKING HOLDINGS INC COM 09857L108 1,678,880 290 SH SOLE 290 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 1,260,245 27,225 SH SOLE 27,225 0 0
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 1,173,311 24,790 SH SOLE 24,790 0 0
BROADCOM INC COM 11135F101 3,688,230 13,380 SH SOLE 13,380 0 0
CANADIAN NAT RES LTD COM 136385101 1,287,588 41,006 SH SOLE 41,006 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 371,073 5,070 SH SOLE 5,070 0 0
CATERPILLAR INC COM 149123101 1,218,591 3,139 SH SOLE 3,139 0 0
COSTCO WHSL CORP NEW COM 22160K105 2,748,239 2,776 SH SOLE 2,776 0 0
DEERE & CO COM 244199105 215,600 424 SH SOLE 424 0 0
ELI LILLY & CO COM 532457108 2,905,308 3,727 SH SOLE 3,727 0 0
EMERSON ELEC CO COM 291011104 213,328 1,600 SH SOLE 1,600 0 0
ENBRIDGE INC COM 29250N105 2,833,758 62,609 SH SOLE 62,609 0 0
HSBC HLDGS PLC SPON ADR NEW 404280406 1,295,678 21,314 SH SOLE 21,314 0 0
INTUIT COM 461202103 3,372,632 4,282 SH SOLE 4,282 0 0
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 14,145,971 334,657 SH SOLE 334,657 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 937,415 5,158 SH SOLE 5,158 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 774,524 1,404 SH SOLE 1,404 0 0
ISHARES INC MSCI GBL ETF NEW 46434G848 251,168 6,680 SH SOLE 6,680 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 394,443 929 SH SOLE 929 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 11,340,648 136,865 SH SOLE 136,865 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 575,267 5,590 SH SOLE 5,590 0 0
ISHARES TR CORE S&P500 ETF 464287200 12,654,380 20,380 SH SOLE 20,380 0 0
ISHARES TR TIPS BD ETF 464287176 11,606,093 105,471 SH SOLE 105,471 0 0
ISHARES TR CORE US AGGBD ET 464287226 19,913,277 200,738 SH SOLE 200,738 0 0
ISHARES TR MSCI EAFE ETF 464287465 5,341,688 59,757 SH SOLE 59,757 0 0
ISHARES TR SHORT TREAS BD 464288679 718,393 6,506 SH SOLE 6,506 0 0
ISHARES TR RUS 1000 ETF 464287622 579,302 1,705 SH SOLE 1,705 0 0
ISHARES TR ISHARES BIOTECH 464287556 323,486 2,557 SH SOLE 2,557 0 0
KRANESHARES TRUST MOUNT LUCAS ETF 500767652 7,000,408 265,428 SH SOLE 265,428 0 0
LINCOLN NATL CORP IND COM 534187109 1,251,828 36,180 SH SOLE 36,180 0 0
MASTERCARD INCORPORATED CL A 57636Q104 369,757 658 SH SOLE 658 0 0
MERCADOLIBRE INC COM 58733R102 2,509,085 960 SH SOLE 960 0 0
MICROSOFT CORP COM 594918104 3,830,063 7,700 SH SOLE 7,700 0 0
MOODYS CORP COM 615369105 479,018 955 SH SOLE 955 0 0
NASDAQ INC COM 631103108 233,654 2,613 SH SOLE 2,613 0 0
NETFLIX INC COM 64110L106 2,247,060 1,678 SH SOLE 1,678 0 0
NORFOLK SOUTHN CORP COM 655844108 220,646 862 SH SOLE 862 0 0
NVIDIA CORPORATION COM 67066G104 7,624,423 48,258 SH SOLE 48,258 0 0
ORACLE CORP COM 68389X105 597,953 2,735 SH SOLE 2,735 0 0
PACER FDS TR US CASH COWS 100 69374H881 9,651,460 175,162 SH SOLE 175,162 0 0
PARKER-HANNIFIN CORP COM 701094104 478,452 685 SH SOLE 685 0 0
PEPSICO INC COM 713448108 987,263 7,477 SH SOLE 7,477 0 0
PETROLEO BRASILEIRO SA PETRO SPONSORED ADR 71654V408 3,056,189 244,299 SH SOLE 244,299 0 0
PFIZER INC COM 717081103 1,144,249 47,205 SH SOLE 47,205 0 0
PNC FINL SVCS GROUP INC COM 693475105 1,570,402 8,424 SH SOLE 8,424 0 0
PROGRESSIVE CORP COM 743315103 3,266,900 12,242 SH SOLE 12,242 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467 7,455,599 74,037 SH SOLE 74,037 0 0
RBB FD INC US TRSRY 6 MNTH 74933W460 322,966 6,440 SH SOLE 6,440 0 0
ROPER TECHNOLOGIES INC COM 776696106 327,067 577 SH SOLE 577 0 0
ROYAL CARIBBEAN GROUP COM V7780T103 1,748,261 5,583 SH SOLE 5,583 0 0
SALESFORCE INC COM 79466L302 1,316,002 4,826 SH SOLE 4,826 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 558,698 22,860 SH SOLE 22,860 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 7,842,332 295,937 SH SOLE 295,937 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 349,819 11,976 SH SOLE 11,976 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 272,626 6,582 SH SOLE 6,582 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 7,206,743 84,975 SH SOLE 84,975 0 0
SERVICENOW INC COM 81762P102 820,408 798 SH SOLE 798 0 0
SHERWIN WILLIAMS CO COM 824348106 307,307 895 SH SOLE 895 0 0
SHOPIFY INC CL A SUB VTG SHS 82509L107 1,608,671 13,946 SH SOLE 13,946 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 871,418 1,410 SH SOLE 1,410 0 0
SPDR SERIES TRUST S&P METALS MNG 78464A755 6,084,494 90,516 SH SOLE 90,516 0 0
SPDR SERIES TRUST S&P BIOTECH 78464A870 7,692,169 92,754 SH SOLE 92,754 0 0
STARBUCKS CORP COM 855244109 950,295 10,371 SH SOLE 10,371 0 0
STRATEGIC TRUST RUNNING GWTH ETF 48817R870 4,707,836 139,127 SH SOLE 139,127 0 0
T ROWE PRICE ETF INC CAP APPRECIATION 87283Q867 355,693 10,082 SH SOLE 10,082 0 0
T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107 1,380,452 30,439 SH SOLE 30,439 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 1,652,200 7,294 SH SOLE 7,294 0 0
TESLA INC COM 88160R101 561,941 1,769 SH SOLE 1,769 0 0
TJX COS INC NEW COM 872540109 247,796 2,006 SH SOLE 2,006 0 0
TRUIST FINL CORP COM 89832Q109 1,197,959 27,866 SH SOLE 27,866 0 0
UBER TECHNOLOGIES INC COM 90353T100 1,195,266 12,811 SH SOLE 12,811 0 0
UNITED PARCEL SERVICE INC CL B 911312106 1,300,107 12,880 SH SOLE 12,880 0 0
UNITEDHEALTH GROUP INC COM 91324P102 2,294,227 7,354 SH SOLE 7,354 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,281,754 17,408 SH SOLE 17,408 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 10,424,072 23,777 SH SOLE 23,777 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 1,620,801 9,170 SH SOLE 9,170 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 8,972,473 100,746 SH SOLE 100,746 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,280,125 4,486 SH SOLE 4,486 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 266,958 954 SH SOLE 954 0 0
VANGUARD WORLD FD ENERGY ETF 92204A306 362,250 3,041 SH SOLE 3,041 0 0
VISA INC COM CL A 92826C839 278,004 783 SH SOLE 783 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669 957,651 11,436 SH SOLE 11,436 0 0