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
3M CO COM 88579Y101 236,144 1,626 SH SOLE 0 0 1,626
ABBVIE INC COM 00287Y109 299,266 1,376 SH SOLE 0 0 1,376
ABRDN ETFS BBRG ALL COMD K1 003261104 207,534 8,544 SH SOLE 0 0 8,544
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108 275,126 3,842 SH SOLE 0 0 3,842
ALPHABET INC CAP STK CL A 02079K305 1,005,022 3,495 SH SOLE 0 0 3,495
ALPHABET INC CAP STK CL C 02079K107 313,825 1,094 SH SOLE 0 0 1,094
ALTRIA GROUP INC COM 02209S103 223,772 3,391 SH SOLE 0 0 3,391
AMAZON COM INC COM 023135106 1,124,241 5,398 SH SOLE 0 0 5,398
APPLE INC COM 037833100 1,618,419 6,377 SH SOLE 0 0 6,377
APPLIED MATLS INC COM 038222105 551,307 1,613 SH SOLE 0 0 1,613
ASML HLDG NV N Y REGISTRY SHS N07059210 221,899 168 SH SOLE 0 0 168
BANK NEW YORK MELLON CORP COM 064058100 255,648 2,155 SH SOLE 0 0 2,155
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 697,715 1,456 SH SOLE 0 0 1,456
BLACKROCK ETF TRUST ISHARES INTL CTR 09290C764 6,234,177 193,891 SH SOLE 0 0 193,891
BLACKROCK ETF TRUST ISHARES US CARBO 09290C509 380,846 5,430 SH SOLE 0 0 5,430
BLACKROCK ETF TRUST ISHARES A I INNO 09290C780 3,083,494 93,581 SH SOLE 0 0 93,581
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 6,834,986 117,480 SH SOLE 0 0 117,480
BLACKROCK ETF TRUST ISHARES US THEMA 09290C806 3,038,351 83,886 SH SOLE 0 0 83,886
BLACKROCK ETF TRUST ISHARES LARGE CA 09290C855 1,670,116 40,675 SH SOLE 0 0 40,675
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603 1,266,469 24,388 SH SOLE 0 0 24,388
BLACKROCK INC COM 09290D101 299,092 311 SH SOLE 0 0 311
BROADCOM INC COM 11135F101 1,785,563 5,769 SH SOLE 0 0 5,769
CATERPILLAR INC COM 149123101 834,566 1,178 SH SOLE 0 0 1,178
CISCO SYS INC COM 17275R102 333,870 4,303 SH SOLE 0 0 4,303
COCA COLA CO COM 191216100 333,175 4,381 SH SOLE 0 0 4,381
CONOCOPHILLIPS COM 20825C104 216,216 1,638 SH SOLE 0 0 1,638
COSTCO WHOLESALE CORPORATION COM 22160K105 466,329 468 SH SOLE 0 0 468
CSX CORP COM 126408103 249,132 6,069 SH SOLE 0 0 6,069
DBX ETF TR XTRACK USD HIGH 233051432 316,364 8,749 SH SOLE 0 0 8,749
ELI LILLY & CO COM 532457108 438,730 477 SH SOLE 0 0 477
EXXON MOBIL CORP COM 30231G102 1,450,423 8,549 SH SOLE 0 0 8,549
FEDEX CORP COM 31428X106 212,283 596 SH SOLE 0 0 596
FIRST TR EXCHANGE TRADED FD RISNG DIVD ACHIV 33738R506 4,535,226 66,421 SH SOLE 0 0 66,421
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 3,828,496 76,862 SH SOLE 0 0 76,862
GILEAD SCIENCES INC COM 375558103 253,793 1,821 SH SOLE 0 0 1,821
GLOBAL X FDS DEFENSE TECH ETF 37960A529 2,466,720 34,821 SH SOLE 0 0 34,821
GRANITESHARES ETF TR BBG COMMD K 1 38747R108 252,538 9,615 SH SOLE 0 0 9,615
HOME DEPOT INC COM 437076102 556,317 1,692 SH SOLE 0 0 1,692
HSBC HLDGS PLC SPON ADR NEW 404280406 211,587 2,565 SH SOLE 0 0 2,565
INTERNATIONAL BUSINESS MACHS COM 459200101 233,906 965 SH SOLE 0 0 965
INVESCO QQQ TR UNIT SER 1 46090E103 357,852 620 SH SOLE 0 0 620
ISHARES GOLD TR ISHARES NEW 464285204 1,570,394 17,813 SH SOLE 0 0 17,813
ISHARES INC CORE MSCI EMKT 46434G103 4,454,305 63,861 SH SOLE 0 0 63,861
ISHARES TR S&P 100 ETF 464287101 346,696 1,090 SH SOLE 0 0 1,090
ISHARES TR ISHS 5-10YR INVT 464288638 214,796 4,036 SH SOLE 0 0 4,036
ISHARES TR CORE INTL AGGR 46435G672 901,471 18,015 SH SOLE 0 0 18,015
ISHARES TR ESG MSCI KLD 400 464288570 255,711 2,110 SH SOLE 0 0 2,110
ISHARES TR CONV BD ETF 46435G102 408,381 4,012 SH SOLE 0 0 4,012
ISHARES TR CORE US AGGBD ET 464287226 275,176 2,772 SH SOLE 0 0 2,772
ISHARES TR ESG AWR MSCI USA 46435G425 251,162 1,776 SH SOLE 0 0 1,776
ISHARES TR NATIONAL MUN ETF 464288414 511,855 4,822 SH SOLE 0 0 4,822
ISHARES TR ESG MSCI USA ETF 46436E767 216,494 3,922 SH SOLE 0 0 3,922
ISHARES TR MSCI USA QLT FCT 46432F339 4,999,719 26,066 SH SOLE 0 0 26,066
ISHARES TR SYSTEMATIC BD ET 46435U796 345,053 3,877 SH SOLE 0 0 3,877
ISHARES TR JPMORGAN USD EMG 464288281 1,845,161 19,644 SH SOLE 0 0 19,644
ISHARES TR ESG AWR US AGRGT 46435U549 388,911 8,179 SH SOLE 0 0 8,179
ISHARES TR 10-20 YR TRS ETF 464288653 2,169,207 21,537 SH SOLE 0 0 21,537
ISHARES TR EAFE SML CP ETF 464288273 449,760 5,736 SH SOLE 0 0 5,736
ISHARES TR MSCI EMG MKT ETF 464287234 300,987 5,300 SH SOLE 0 0 5,300
ISHARES TR CORE S&P MCP ETF 464287507 238,043 3,525 SH SOLE 0 0 3,525
ISHARES TR ESG AWRE USD ETF 46435G193 394,428 17,047 SH SOLE 0 0 17,047
ISHARES TR MBS ETF 464288588 2,453,413 25,839 SH SOLE 0 0 25,839
ISHARES TR BROAD USD HIGH 46435U853 1,365,622 37,069 SH SOLE 0 0 37,069
ISHARES TR 20 YR TR BD ETF 464287432 9,335,473 107,688 SH SOLE 0 0 107,688
ISHARES TR EAFE VALUE ETF 464288877 3,554,376 47,806 SH SOLE 0 0 47,806
ISHARES TR CORE S&P500 ETF 464287200 214,906 329 SH SOLE 0 0 329
ISHARES TR MSCI USA MMENTM 46432F396 2,928,598 12,203 SH SOLE 0 0 12,203
ISHARES TR CRE U S REIT ETF 464288521 210,539 3,557 SH SOLE 0 0 3,557
ISHARES TR EUROPE ETF 464287861 622,806 9,167 SH SOLE 0 0 9,167
ISHARES TR MSCI INTL VLU FT 46435G409 938,749 23,658 SH SOLE 0 0 23,658
JOHNSON & JOHNSON COM 478160104 1,589,593 6,503 SH SOLE 0 0 6,503
JPMORGAN CHASE & CO COM 46625H100 671,861 2,284 SH SOLE 0 0 2,284
LAM RESEARCH CORP COM NEW 512807306 929,421 4,350 SH SOLE 0 0 4,350
LOWES COS INC COM 548661107 227,301 962 SH SOLE 0 0 962
MASTERCARD INCORPORATED CL A 57636Q104 391,733 784 SH SOLE 0 0 784
MCDONALDS CORP COM 580135101 358,962 1,155 SH SOLE 0 0 1,155
MERCK & CO INC COM 58933Y105 391,424 3,254 SH SOLE 0 0 3,254
META PLATFORMS INC CL A 30303M102 734,043 1,283 SH SOLE 0 0 1,283
MICROSOFT CORP COM 594918104 1,821,607 4,921 SH SOLE 0 0 4,921
NETFLIX INC. COM 64110L106 376,427 3,915 SH SOLE 0 0 3,915
NOVARTIS AG SPONSORED ADR 66987V109 335,439 2,196 SH SOLE 0 0 2,196
NVIDIA CORPORATION COM 67066G104 1,322,475 7,583 SH SOLE 0 0 7,583
NVR INC COM 62944T105 2,319,620 352 SH SOLE 0 0 352
PARKER-HANNIFIN CORP COM 701094104 343,772 384 SH SOLE 0 0 384
PEPSICO INC COM 713448108 371,143 2,390 SH SOLE 0 0 2,390
PROCTER & GAMBLE CO COM 742718109 489,363 3,388 SH SOLE 0 0 3,388
PROLOGIS INC. COM 74340W103 219,551 1,661 SH SOLE 0 0 1,661
PUBLIC SVC ENTERPRISE GROUP COM 744573106 212,575 2,626 SH SOLE 0 0 2,626
QUALCOMM INC COM 747525103 225,751 1,753 SH SOLE 0 0 1,753
ROYAL BK CDA COM 780087102 242,994 1,502 SH SOLE 0 0 1,502
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,642,115 76,413 SH SOLE 0 0 76,413
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,965,183 42,045 SH SOLE 0 0 42,045
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,787,340 67,168 SH SOLE 0 0 67,168
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803 343,945 2,588 SH SOLE 0 0 2,588
SHELL PLC SPON ADS 780259305 310,620 3,340 SH SOLE 0 0 3,340
SOUTHERN CO COM 842587107 264,079 2,736 SH SOLE 0 0 2,736
SPDR SERIES TRUST STATE STREET SPD 78468R721 250,821 5,532 SH SOLE 0 0 5,532
SPDR SERIES TRUST STATE STREET SPD 78464A375 215,159 6,415 SH SOLE 0 0 6,415
SPDR SERIES TRUST STATE STREET SPD 78464A409 6,132,887 62,638 SH SOLE 0 0 62,638
SPDR SERIES TRUST STATE STREET SPD 78464A508 6,581,612 116,324 SH SOLE 0 0 116,324
SPDR SERIES TRUST STATE STREET SPD 78464A474 201,259 6,693 SH SOLE 0 0 6,693
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 792,764 1,219 SH SOLE 0 0 1,219
TESLA INC COM 88160R101 888,854 2,391 SH SOLE 0 0 2,391
TJX COS INC NEW COM 872540109 433,745 2,716 SH SOLE 0 0 2,716
TORONTO DOMINION BK ONT COM NEW 891160509 284,316 3,047 SH SOLE 0 0 3,047
TRANE TECHNOLOGIES PLC SHS G8994E103 264,630 635 SH SOLE 0 0 635
UNITED BANKSHARES INC WEST V COM 909907107 381,395 9,208 SH SOLE 0 0 9,208
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 6,340,918 131,965 SH SOLE 0 0 131,965
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 5,889,959 9,857 SH SOLE 0 0 9,857
VANGUARD INDEX FDS GROWTH ETF 922908736 423,250 969 SH SOLE 0 0 969
VANGUARD INDEX FDS LARGE CAP ETF 922908637 210,390 704 SH SOLE 0 0 704
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,614,419 29,869 SH SOLE 0 0 29,869
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 318,448 6,383 SH SOLE 0 0 6,383
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 769,157 13,139 SH SOLE 0 0 13,139
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 4,646,744 56,154 SH SOLE 0 0 56,154
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 4,670,447 78,429 SH SOLE 0 0 78,429
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,305,409 29,083 SH SOLE 0 0 29,083
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 820,152 7,477 SH SOLE 0 0 7,477
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 476,824 10,156 SH SOLE 0 0 10,156
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 519,782 5,189 SH SOLE 0 0 5,189
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 840,754 8,969 SH SOLE 0 0 8,969
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 440,550 6,875 SH SOLE 0 0 6,875
VERIZON COMMUNICATIONS INC COM 92343V104 212,547 4,234 SH SOLE 0 0 4,234
VISA INC COM CL A 92826C839 298,613 988 SH SOLE 0 0 988
WALMART INC COM 931142103 940,675 7,569 SH SOLE 0 0 7,569
WELLS FARGO & CO COM 949746101 237,477 2,983 SH SOLE 0 0 2,983