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
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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
VANGUARD INDEX FDS GROWTH ETF 922908736 303,043 3,518 SH OTR 0 0 3,518
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 221,290 2,642 SH OTR 0 0 2,642
ISHARES TR TIPS BD ETF 464287176 27,808 254 SH SOLE 0 0 254
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 186,021 3,841 SH OTR 0 0 3,841
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 4,765,291 57,656 SH SOLE 0 0 57,656
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 378,576 4,859 SH OTR 0 0 4,859
NEXTERA ENERGY INC COM 65339F101 798,978 9,103 SH OTR 0 0 9,103
DOMINION ENERGY INC COM 25746U109 27,874 408 SH SOLE 0 0 408
ISHARES TR MORNINGSTAR VALU 464288109 4,437 44 SH SOLE 0 0 44
ISHARES TR RUS 1000 GRW ETF 464287614 96,913 780 SH SOLE 0 0 780
ISHARES TR MSCI EMG MKT ETF 464287234 59,360 868 SH SOLE 0 0 868
GE AEROSPACE COM NEW 369604301 525,044 1,405 SH OTR 0 0 1,405
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 2,062,746 2,762 SH SOLE 0 0 2,762
CORTEVA INC COM 22052L104 28,213 333 SH OTR 0 0 333
EXXON MOBIL CORP COM 30231G102 72,662 531 SH SOLE 0 0 531
NORWEGIAN CRUISE LINE HLDGS SHS G66721104 2,111 100 SH SOLE 0 0 100
CHEMOURS CO COM 163851108 893 44 SH OTR 0 0 44
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 7,154,734 119,865 SH SOLE 0 0 119,865
WALMART INC COM 931142103 207,158 1,829 SH OTR 0 0 1,829
VANGUARD INDEX FDS TOTAL STK MKT 922908769 101,203 273 SH SOLE 0 0 273
ISHARES TR MSCI ACWI EX US 464288240 639,104 8,397 SH OTR 0 0 8,397
UNION PAC CORP COM 907818108 84,093 309 SH OTR 0 0 309
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,394,669 3,814 SH OTR 0 0 3,814
ISHARES TR EAFE SML CP ETF 464288273 623,543 7,579 SH OTR 0 0 7,579
ISHARES TR IBOXX HI YD ETF 464288513 3,265,191 40,830 SH SOLE 0 0 40,830
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 2,427,309 50,120 SH SOLE 0 0 50,120
DUPONT DE NEMOURS INC COM 26614N102 53,307 393 SH OTR 0 0 393
PROCTER & GAMBLE CO COM 742718109 350,640 2,391 SH OTR 0 0 2,391
VANGUARD INDEX FDS VALUE ETF 922908744 309,115 1,418 SH OTR 0 0 1,418
ISHARES INC CORE MSCI EMKT 46434G103 639,586 7,721 SH OTR 0 0 7,721
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 16,586 106 SH SOLE 0 0 106
ISHARES TR 3 7 YR TREAS BD 464288661 4,449,060 37,880 SH SOLE 0 0 37,880
ISHARES TR IBOXX INV CP ETF 464287242 2,409,864 22,095 SH SOLE 0 0 22,095
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 16,857 465 SH SOLE 0 0 465
ISHARES TR ESG MSCI LEADR 46435U218 17,093 129 SH OTR 0 0 129
JOHNSON & JOHNSON COM 478160104 182,633 719 SH OTR 0 0 719
ISHARES INC JP MRG EM CRP BD 464286251 3,248,363 71,158 SH SOLE 0 0 71,158
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 417,432 2,554 SH OTR 0 0 2,554
ISHARES TR JPMORGAN USD EMG 464288281 2,463,850 25,548 SH SOLE 0 0 25,548
ISHARES TR JPMORGAN USD EMG 464288281 199,009 2,064 SH OTR 0 0 2,064
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 208,598 3,102 SH OTR 0 0 3,102
CACI INTL INC CL A 127190304 602,238 1,300 SH SOLE 0 0 1,300
VERIZON COMMUNICATIONS INC COM 92343V104 142,350 3,362 SH SOLE 0 0 3,362
ISHARES TR CORE US AGGBD ET 464287226 678,350 6,853 SH SOLE 0 0 6,853
VANGUARD INDEX FDS SMALL CP ETF 922908751 124,435 411 SH SOLE 0 0 411
AMAZON COM INC COM 023135106 285,834 1,199 SH SOLE 0 0 1,199
GE VERNOVA INC COM 36828A101 481,555 410 SH OTR 0 0 410
ISHARES TR 3 7 YR TREAS BD 464288661 389,591 3,317 SH OTR 0 0 3,317
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 2,440,897 36,301 SH SOLE 0 0 36,301
JPMORGAN CHASE & CO COM 46625H100 606,353 1,852 SH OTR 0 0 1,852
ISHARES INC MSCI EMRG CHN 46434G764 3,913 38 SH SOLE 0 0 38
CARNIVAL CORP COMMON STOCK 143658300 2,887 101 SH SOLE 0 0 101
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 55,086 224 SH SOLE 0 0 224
SELECT SECTOR SPDR TR STATE STREET COM 81369Y852 16,120 150 SH SOLE 0 0 150
PPG INDS INC COM 693506107 32,839 271 SH OTR 0 0 271
VANGUARD WORLD FD MEGA CAP INDEX 921910873 1,683 6 SH SOLE 0 0 6
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 358,598 6,499 SH OTR 0 0 6,499
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,798,779 60,721 SH SOLE 0 0 60,721
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 4,439,952 166,540 SH SOLE 0 0 166,540
COCA COLA CO COM 191216100 645,100 7,938 SH OTR 0 0 7,938
QNITY ELECTRONICS INC COMMON STOCK 74743L100 96,524 591 SH OTR 0 0 591
ISHARES TR IBOXX INV CP ETF 464287242 195,542 1,793 SH OTR 0 0 1,793
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 13,621 118 SH SOLE 0 0 118
VANGUARD INDEX FDS GROWTH ETF 922908736 1,032,944 11,991 SH SOLE 0 0 11,991
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 380,720 4,817 SH OTR 0 0 4,817
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 215,593 3,612 SH OTR 0 0 3,612
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 9,548,978 58,421 SH SOLE 0 0 58,421
GENERAL DYNAMICS CORP COM 369550108 2,129,346 6,011 SH OTR 0 0 6,011
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 219,829 2,660 SH OTR 0 0 2,660
WASTE MGMT INC DEL COM 94106L109 56,534 254 SH OTR 0 0 254
EXXON MOBIL CORP COM 30231G102 216,474 1,583 SH OTR 0 0 1,583
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 632,879 39,854 SH OTR 0 0 39,854
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107 19,290 301 SH OTR 0 0 301
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 481,898 1,573 SH OTR 0 0 1,573
VANGUARD WORLD FD ESG US STK ETF 921910733 43,579 330 SH SOLE 0 0 330
WEC ENERGY GROUP INC COM 92939U106 225,296 1,929 SH OTR 0 0 1,929
INGERSOLL RAND INC COM 45687V106 41,026 500 SH OTR 0 0 500
VANGUARD INDEX FDS VALUE ETF 922908744 1,129,342 5,182 SH SOLE 0 0 5,182
VANGUARD WORLD FD EXTENDED DUR 921910709 91,957 1,413 SH SOLE 0 0 1,413
VANGUARD INDEX FDS SML CP GRW ETF 922908595 11,671,574 31,916 SH SOLE 0 0 31,916
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 11,696,902 38,188 SH SOLE 0 0 38,188
CONSOLIDATED EDISON INC COM 209115104 58,737 531 SH OTR 0 0 531
3M CO COM 88579Y101 161,661 998 SH OTR 0 0 998
TRANE TECHNOLOGIES PLC SHS G8994E103 249,785 509 SH OTR 0 0 509
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 6,008,826 71,747 SH SOLE 0 0 71,747
VANGUARD INDEX FDS MID CAP ETF 922908629 74,147 920 SH SOLE 0 0 920
VANGUARD INDEX FDS SM CP VAL ETF 922908611 11,462,143 47,171 SH SOLE 0 0 47,171
ISHARES TR IBOXX HI YD ETF 464288513 377,140 4,716 SH OTR 0 0 4,716
MCDONALDS CORP COM 580135101 68,806 255 SH OTR 0 0 255
VANGUARD WORLD FD MEGA GRWTH IND 921910816 450,765 5,128 SH OTR 0 0 5,128
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,236,724 5,090 SH OTR 0 0 5,090
ALLSTATE CORP COM 020002101 232,319 976 SH OTR 0 0 976
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 716,887 3,628 SH OTR 0 0 3,628
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 253,742 9,518 SH OTR 0 0 9,518
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 335,389 477 SH SOLE 0 0 477
ISHARES TR MRGSTR MD CP VAL 464288406 6,874 75 SH SOLE 0 0 75
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 4,750,889 86,098 SH SOLE 0 0 86,098
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 7,299,833 47,312 SH SOLE 0 0 47,312
ISHARES TR MSCI EAFE ETF 464287465 1,020,511 9,824 SH SOLE 0 0 9,824
VANGUARD WORLD FD MEGA GRWTH IND 921910816 8,922,827 101,500 SH SOLE 0 0 101,500
ISHARES INC JP MRG EM CRP BD 464286251 376,918 8,257 SH OTR 0 0 8,257
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 2,835,846 178,580 SH SOLE 0 0 178,580
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 193,745 1,256 SH OTR 0 0 1,256
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 4,639,227 59,546 SH SOLE 0 0 59,546
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 11,428,651 57,837 SH SOLE 0 0 57,837
DOW HLDGS INC COM 260557103 3,968 145 SH OTR 0 0 145
ALLEGION PLC ORD SHS G0176J109 48,895 348 SH OTR 0 0 348