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 362,614 1,587 SH SOLE 1,587 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 246,836 920 SH SOLE 920 0 0
ALPHABET INC CAP STK CL C 02079K107 4,328,656 13,794 SH SOLE 13,794 0 0
ALTRIA GROUP INC COM 02209S103 1,006,463 17,455 SH SOLE 17,455 0 0
AMAZON COM INC COM 023135106 4,797,936 20,786 SH SOLE 20,786 0 0
APPLE INC COM 037833100 422,235 1,553 SH SOLE 1,553 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210 4,787,263 4,474 SH SOLE 4,474 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 254,658 990 SH SOLE 990 0 0
BOOKING HOLDINGS INC COM 09857L108 1,590,533 297 SH SOLE 297 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 1,708,765 31,679 SH SOLE 31,679 0 0
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 1,363,070 24,074 SH SOLE 24,074 0 0
BROADCOM INC COM 11135F101 4,346,088 12,557 SH SOLE 12,557 0 0
CANADIAN NAT RES LTD COM 136385101 1,483,104 43,814 SH SOLE 43,814 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 267,899 5,070 SH SOLE 5,070 0 0
CHEVRON CORP NEW COM 166764100 230,019 1,509 SH SOLE 1,509 0 0
COSTCO WHSL CORP NEW COM 22160K105 2,166,380 2,512 SH SOLE 2,512 0 0
ELI LILLY & CO COM 532457108 4,247,135 3,952 SH SOLE 3,952 0 0
EMERSON ELEC CO COM 291011104 212,352 1,600 SH SOLE 1,600 0 0
ENBRIDGE INC COM 29250N105 2,961,199 61,794 SH SOLE 61,794 0 0
ETFIS SER TR I VIRTUS REAVES UT 26923G806 9,974,163 126,335 SH SOLE 126,335 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 399,760 4,000 SH SOLE 4,000 0 0
HSBC HLDGS PLC SPON ADR NEW 404280406 1,749,542 22,239 SH SOLE 22,239 0 0
INTUIT COM 461202103 3,802,685 5,740 SH SOLE 5,740 0 0
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 15,263,021 325,298 SH SOLE 325,298 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 955,693 4,989 SH SOLE 4,989 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 839,814 1,367 SH SOLE 1,367 0 0
ISHARES INC MSCI GBL ETF NEW 46434G848 342,951 6,680 SH SOLE 6,680 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 12,181,788 147,087 SH SOLE 147,087 0 0
ISHARES TR TRUST ISHARE 0-1 464288679 429,522 3,899 SH SOLE 3,899 0 0
ISHARES TR MSCI EAFE ETF 464287465 16,653,241 173,417 SH SOLE 173,417 0 0
ISHARES TR CORE S&P500 ETF 464287200 14,137,860 20,641 SH SOLE 20,641 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 212,512 449 SH SOLE 449 0 0
ISHARES TR TIPS BD ETF 464287176 12,441,507 113,197 SH SOLE 113,197 0 0
ISHARES TR CORE US AGGBD ET 464287226 22,450,692 224,776 SH SOLE 224,776 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 550,346 5,375 SH SOLE 5,375 0 0
JPMORGAN CHASE & CO. COM 46625H100 202,414 628 SH SOLE 628 0 0
KRANESHARES TRUST MOUNT LUCAS ETF 500767652 7,236,269 278,854 SH SOLE 278,854 0 0
MASTERCARD INCORPORATED CL A 57636Q104 342,528 600 SH SOLE 600 0 0
MERCADOLIBRE INC COM 58733R102 2,382,870 1,183 SH SOLE 1,183 0 0
MICROSOFT CORP COM 594918104 3,779,082 7,814 SH SOLE 7,814 0 0
MOODYS CORP COM 615369105 487,862 955 SH SOLE 955 0 0
NASDAQ INC COM 631103108 253,801 2,613 SH SOLE 2,613 0 0
NETFLIX INC COM 64110L106 1,442,029 15,380 SH SOLE 15,380 0 0
NORFOLK SOUTHN CORP COM 655844108 248,877 862 SH SOLE 862 0 0
NOVO-NORDISK A S ADR 670100205 1,960,864 38,539 SH SOLE 38,539 0 0
NVIDIA CORPORATION COM 67066G104 8,767,364 47,009 SH SOLE 47,009 0 0
ORACLE CORP COM 68389X105 410,480 2,106 SH SOLE 2,106 0 0
PACER FDS TR US CASH COWS 100 69374H881 8,715,348 144,845 SH SOLE 144,845 0 0
PARKER-HANNIFIN CORP COM 701094104 602,088 685 SH SOLE 685 0 0
PEPSICO INC COM 713448108 1,281,060 8,926 SH SOLE 8,926 0 0
PETROLEO BRASILEIRO SA PETRO SPONSORED ADR 71654V408 2,268,134 191,403 SH SOLE 191,403 0 0
PFIZER INC COM 717081103 1,288,127 51,732 SH SOLE 51,732 0 0
PGIM ETF TR PGIM ULTRA SH BD 69344A107 231,305 4,664 SH SOLE 4,664 0 0
PNC FINL SVCS GROUP INC COM 693475105 1,790,277 8,577 SH SOLE 8,577 0 0
PROGRESSIVE CORP COM 743315103 2,963,093 13,012 SH SOLE 13,012 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467 7,016,340 67,419 SH SOLE 67,419 0 0
ROPER TECHNOLOGIES INC COM 776696106 256,840 577 SH SOLE 577 0 0
ROYAL CARIBBEAN GROUP COM V7780T103 1,627,219 5,834 SH SOLE 5,834 0 0
SALESFORCE INC COM 79466L302 1,332,762 5,031 SH SOLE 5,031 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 797,891 29,088 SH SOLE 29,088 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 390,657 11,976 SH SOLE 11,976 0 0
SELECT SECTOR SPDR TR STATE STREET ENE 81369Y506 7,903,031 176,762 SH SOLE 176,762 0 0
SERVICENOW INC COM 81762P102 985,471 6,433 SH SOLE 6,433 0 0
SHERWIN WILLIAMS CO COM 824348106 290,007 895 SH SOLE 895 0 0
SHOPIFY INC CL A SUB VTG SHS 82509L107 2,267,906 14,089 SH SOLE 14,089 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 970,973 1,423 SH SOLE 1,423 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A755 7,870,269 75,960 SH SOLE 75,960 0 0
STARBUCKS CORP COM 855244109 887,489 10,539 SH SOLE 10,539 0 0
STRATEGIC TRUST RUNNING GWTH ETF 48817R870 4,672,534 140,148 SH SOLE 140,148 0 0
T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107 1,065,207 21,363 SH SOLE 21,363 0 0
T ROWE PRICE ETF INC CAP APPRECIATION 87283Q867 371,957 9,732 SH SOLE 9,732 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 2,149,207 7,072 SH SOLE 7,072 0 0
TESLA INC COM 88160R101 766,134 1,703 SH SOLE 1,703 0 0
TJX COS INC NEW COM 872540109 308,423 2,007 SH SOLE 2,007 0 0
TRUIST FINL CORP COM 89832Q109 1,555,528 31,610 SH SOLE 31,610 0 0
UBER TECHNOLOGIES INC COM 90353T100 1,285,217 15,729 SH SOLE 15,729 0 0
UNITED PARCEL SERVICE INC CL B 911312106 1,088,809 10,977 SH SOLE 10,977 0 0
UNITEDHEALTH GROUP INC COM 91324P102 2,970,660 8,999 SH SOLE 8,999 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,215,935 16,416 SH SOLE 16,416 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 10,974,302 22,494 SH SOLE 22,494 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,715,241 5,116 SH SOLE 5,116 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,380,735 4,386 SH SOLE 4,386 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 9,037,712 102,132 SH SOLE 102,132 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 263,028 906 SH SOLE 906 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 1,400,081 7,330 SH SOLE 7,330 0 0
VANGUARD WORLD FD ENERGY ETF 92204A306 367,441 2,918 SH SOLE 2,918 0 0
VISA INC COM CL A 92826C839 233,924 667 SH SOLE 667 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669 1,187,273 13,276 SH SOLE 13,276 0 0