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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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
AMAZON COM INC COM Stock 023135106 1,059,898 4,447 SH SOLE 0 0 4,447
STATE STREET TECHNOLOGY SELECT SECTOR SPDR ETF ETF 81369Y803 2,972,493 15,602 SH SOLE 0 0 15,602
EBAY INC. COM Stock 278642103 5,141 46 SH SOLE 0 0 46
JOHNSON & JOHNSON COM Stock 478160104 1,688,393 6,648 SH SOLE 0 0 6,648
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769 8,472,806 22,897 SH SOLE 0 0 22,897
COSTCO WHOLESALE CORPORATION COM Stock 22160K105 67,354 72 SH SOLE 0 0 72
PROCTER & GAMBLE CO COM Stock 742718109 866,202 5,907 SH SOLE 0 0 5,907
COCA COLA CO COM Stock 191216100 736,794 9,066 SH SOLE 0 0 9,066
PPG INDS INC COM Stock 693506107 202,190 1,667 SH SOLE 0 0 1,667
OCCIDENTAL PETE CORP COM Stock 674599105 8,791 181 SH SOLE 0 0 181
BIOGEN INC COM Stock 09062X103 197,911 916 SH SOLE 0 0 916
ISHARES CORE 60/40 BALANCED ALLOCATION ETF ETF 464289867 9,105 131 SH SOLE 0 0 131
WATERS CORP COM Stock 941848103 70,883 189 SH SOLE 0 0 189
ISHARES MSCI UNITED KINGDOM ETF ETF 46435G334 852,621 18,479 SH SOLE 0 0 18,479
MERCK & CO INC COM Stock 58933Y105 612,174 4,764 SH SOLE 0 0 4,764
STATE STREET SPDR S&P 500 ETF ETF 78462F103 746,023 999 SH SOLE 0 0 999
MASTERCARD INCORPORATED CL A Stock 57636Q104 376,982 734 SH SOLE 0 0 734
ILLINOIS TOOL WKS INC COM Stock 452308109 793,559 2,934 SH SOLE 0 0 2,934
AMERICAN FINANCIAL GROUP INC COM Stock 025932104 191,858 1,371 SH SOLE 0 0 1,371
VERTEX PHARMACEUTICALS INC COM Stock 92532F100 897,094 1,806 SH SOLE 0 0 1,806
ISHARES MSCI ALL COUNTRY ASIA EX JAPAN ETF ETF 464288182 2,988,978 25,048 SH SOLE 0 0 25,048
CORNING INC COM Stock 219350105 817,376 3,200 SH SOLE 0 0 3,200
EDWARDS LIFESCIENCES CORP COM Stock 28176E108 534,076 5,904 SH SOLE 0 0 5,904
VERIZON COMMUNICATIONS INC COM Stock 92343V104 44,034 1,040 SH SOLE 0 0 1,040
SHERWIN WILLIAMS CO COM Stock 824348106 1,415,155 4,110 SH SOLE 0 0 4,110
PEPSICO INC COM Stock 713448108 704,892 5,206 SH SOLE 0 0 5,206
ISHARES MSCI EUROZONE ETF ETF 464286608 9,716,934 139,812 SH SOLE 0 0 139,812
STATE STREET SPDR S&P CHINA ETF ETF 78463X400 17,650 204 SH SOLE 0 0 204
KIMBERLY-CLARK CORP COM Stock 494368103 136,554 1,244 SH SOLE 0 0 1,244
US BANCORP COM NEW Stock 902973304 15,221 252 SH SOLE 0 0 252
BP PLC SPONSORED ADR ADR 055622104 39,093 1,058 SH SOLE 0 0 1,058
HOME DEPOT INC COM Stock 437076102 586,860 1,664 SH SOLE 0 0 1,664
AUTOMATIC DATA PROCESSING INC COM Stock 053015103 870,718 3,888 SH SOLE 0 0 3,888
JPMORGAN INTERNATIONAL BOND OPPORTUNITIES FUND ETF 46641Q852 10,416,487 215,439 SH SOLE 0 0 215,439
STATE STREET HEALTH CARE SELECT SECTOR SPDR ETF ETF 81369Y209 829,474 5,228 SH SOLE 0 0 5,228
SPDR GOLD SHARES ETF 78463V107 18,419 50 SH SOLE 0 0 50
SOUTHERN CO COM Stock 842587107 143,565 1,500 SH SOLE 0 0 1,500
CENCORA INC COM Stock 03073E105 89,705 317 SH SOLE 0 0 317
BECTON DICKINSON & CO COM Stock 075887109 211,862 1,400 SH SOLE 0 0 1,400
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 908,428 7,316 SH SOLE 0 0 7,316
STATE STREET CONSUMER STAPLES SELECT SECTOR SPDR ETF ETF 81369Y308 2,183,412 26,284 SH SOLE 0 0 26,284
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 247,945 4,903 SH SOLE 0 0 4,903
ISHARES CORE S&P SMALL CAP ETF ETF 464287804 68,964 465 SH SOLE 0 0 465
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 339,765 679 SH SOLE 0 0 679
ADOBE INC COM Stock 00724F101 372,111 1,815 SH SOLE 0 0 1,815
ALPHABET INC CAP STK CL A Stock 02079K305 800,509 2,240 SH SOLE 0 0 2,240
PROGRESSIVE CORP COM Stock 743315103 1,022,346 4,680 SH SOLE 0 0 4,680
OREILLY AUTOMOTIVE INC COM Stock 67103H107 17,958 195 SH SOLE 0 0 195
CSX CORP COM Stock 126408103 85,554 1,800 SH SOLE 0 0 1,800
MICROSOFT CORP COM Stock 594918104 2,125,095 5,697 SH SOLE 0 0 5,697
JPMORGAN BETABUILDERS JAPAN ETF ETF 46641Q217 3,374,716 44,811 SH SOLE 0 0 44,811
AMERIPRISE FINL INC COM Stock 03076C106 10,551 23 SH SOLE 0 0 23
JPMORGAN BETABUILDERS CANADA ETF ETF 46641Q225 2,722,778 27,392 SH SOLE 0 0 27,392
NEXTERA ENERGY INC COM Stock 65339F101 139,730 1,592 SH SOLE 0 0 1,592
VANGUARD ESG U.S. STOCK ETF ETF 921910733 20,894 158 SH SOLE 0 0 158
VANGUARD SMALL-CAP ETF ETF 922908751 65,777 217 SH SOLE 0 0 217
VANGUARD MID-CAP ETF ETF 922908629 324,536 4,028 SH SOLE 0 0 4,028
VANGUARD LARGE-CAP ETF ETF 922908637 474,596 1,380 SH SOLE 0 0 1,380
VANECK J. P. MORGAN EM LOCAL CURRENCY BOND ETF ETF 92189H300 8,419,700 329,409 SH SOLE 0 0 329,409
STATE STREET FINANCIAL SELECT SECTOR SPDR ETF ETF 81369Y605 4,409,583 82,253 SH SOLE 0 0 82,253
DEFIANCE CONNECTIVE TECHNOLOGIES ETF ETF 26922A289 330,065 3,473 SH SOLE 0 0 3,473
VANGUARD S&P 500 ETF ETF 922908363 103,022 150 SH SOLE 0 0 150
FRANKLIN INTERNATIONAL AGGREGATE BOND ETF ETF 35473P611 2,456,643 119,895 SH SOLE 0 0 119,895
JPMORGAN MUNICIPAL ETF ETF 46641Q647 520,987 10,285 SH SOLE 0 0 10,285
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357 10,597,223 49,806 SH SOLE 0 0 49,806
JPMORGAN CORE PLUS BOND ETF ETF 46641Q670 13,689,077 291,629 SH SOLE 0 0 291,629
VANGUARD RUSSELL 2000 ETF ETF 92206C664 148,740 1,225 SH SOLE 0 0 1,225
ELI LILLY & CO COM Stock 532457108 89,957 75 SH SOLE 0 0 75
AIR PRODUCTS AND CHEMICALS INC COM Stock 009158106 439,770 1,500 SH SOLE 0 0 1,500
AVANTIS EMERGING MARKETS EQUITY ETF ETF 025072604 8,790,818 91,106 SH SOLE 0 0 91,106
ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473 425,491 2,585 SH SOLE 0 0 2,585
IPATH BLOOMBERG COMMODITY INDEX TOTAL RETURN ETN ETF 06738C778 7,106,678 162,587 SH SOLE 0 0 162,587
ISHARES RUSSELL 2000 ETF ETF 464287655 897,745 2,988 SH SOLE 0 0 2,988
DUKE ENERGY CORP NEW COM NEW Stock 26441C204 13,924 110 SH SOLE 0 0 110
CARRIER GLOBAL CORPORATION COM Stock 14448C104 70,929 967 SH SOLE 0 0 967
AFLAC INC COM Stock 001055102 251,853 2,148 SH SOLE 0 0 2,148
SYSCO CORP COM Stock 871829107 292,530 3,500 SH SOLE 0 0 3,500
OCCIDENTAL PETE CORP WT EXP 080327 Stock 674599162 586 22 SH SOLE 0 0 22
AMERICAN ELEC PWR CO INC COM Stock 025537101 167,455 1,224 SH SOLE 0 0 1,224
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481 5,437,521 37,139 SH SOLE 0 0 37,139
APPLIED FINANCE VALUATION LARGE CAP ETF ETF 26923N405 14,468,571 312,859 SH SOLE 0 0 312,859
VISA INC COM CL A Stock 92826C839 1,307,173 3,810 SH SOLE 0 0 3,810
ISHARES MSCI CHINA ETF ETF 46429B671 558,520 10,946 SH SOLE 0 0 10,946
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697 10,225 106 SH SOLE 0 0 106
PIMCO ACTIVE BOND EXCHANGE-TRADED FUND ETF 72201R775 13,681,997 148,379 SH SOLE 0 0 148,379
INVESCO TOTAL RETURN BOND ETF ETF 46090A804 13,636,018 290,933 SH SOLE 0 0 290,933
PHILLIPS 66 COM Stock 718546104 84,525 500 SH SOLE 0 0 500
AMERICAN TOWER CORP COM REIT 03027X100 12,268 75 SH SOLE 0 0 75
META PLATFORMS INC CL A Stock 30303M102 563 1 SH SOLE 0 0 1
SERVICENOW INC COM Stock 81762P102 1,467,855 14,785 SH SOLE 0 0 14,785
ISHARES CORE MSCI EAFE ETF ETF 46432F842 9,593,678 99,334 SH SOLE 0 0 99,334
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101 348,432 2,800 SH SOLE 0 0 2,800
NVIDIA CORPORATION COM Stock 67066G104 82,037 410 SH SOLE 0 0 410
ABBVIE INC COM Stock 00287Y109 1,723,231 6,848 SH SOLE 0 0 6,848
S&P GLOBAL INC COM Stock 78409V104 336,397 826 SH SOLE 0 0 826
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103 16,948,567 204,594 SH SOLE 0 0 204,594
VANGUARD TOTAL BOND MARKET ETF ETF 921937835 85,082 1,159 SH SOLE 0 0 1,159
ISHARES RUSSELL 2000 GROWTH ETF ETF 464287648 1,248,853 3,170 SH SOLE 0 0 3,170
STATE STREET SPDR PORTFOLIO MSCI GLOBAL STOCK MARKET ETF ETF 78463X475 104,346 1,218 SH SOLE 0 0 1,218
MCDONALDS CORP COM Stock 580135101 838,231 3,101 SH SOLE 0 0 3,101
DOVER CORP COM Stock 260003108 280,350 1,250 SH SOLE 0 0 1,250
CISCO SYS INC COM Stock 17275R102 774,179 6,591 SH SOLE 0 0 6,591
CAPITAL ONE FINL CORP COM Stock 14040H105 420,299 2,095 SH SOLE 0 0 2,095
ISHARES RUSSELL MIDCAP ETF ETF 464287499 321,583 2,915 SH SOLE 0 0 2,915
AT&T INC COM Stock 00206R102 2,401 116 SH SOLE 0 0 116
ENERGY SELECT SECTOR SPDR ETF ETF 81369Y506 43,338 816 SH SOLE 0 0 816
SOLVENTUM CORP COM SHS Stock 83444M101 23,145 300 SH SOLE 0 0 300
HEICO CORP NEW CL A Stock 422806208 256,363 994 SH SOLE 0 0 994
VIKING HOLDINGS LTD ORD SHS Stock G93A5A101 10,467 100 SH SOLE 0 0 100
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339 391,024 1,782 SH SOLE 0 0 1,782
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887 83,942 470 SH SOLE 0 0 470
STATE STREET INDUSTRIAL SELECT SECTOR SPDR ETF ETF 81369Y704 36,305 196 SH SOLE 0 0 196
XTRACKERS HARVEST CSI 300 CHINA A-SHARES ETF ETF 233051879 784,671 21,404 SH SOLE 0 0 21,404
ISHARES CORE S&P 500 ETF ETF 464287200 33,825,115 45,167 SH SOLE 0 0 45,167
UNION PAC CORP COM Stock 907818108 998,512 3,671 SH SOLE 0 0 3,671
NORTHROP GRUMMAN CORP COM Stock 666807102 244,469 480 SH SOLE 0 0 480
DARDEN RESTAURANTS INC COM Stock 237194105 412,020 2,000 SH SOLE 0 0 2,000
IDEXX LABS INC COM Stock 45168D104 259,535 493 SH SOLE 0 0 493
THERMO FISHER SCIENTIFIC INC COM Stock 883556102 361,982 722 SH SOLE 0 0 722
LOCKHEED MARTIN CORP COM Stock 539830109 1,136,605 2,231 SH SOLE 0 0 2,231
JPMORGAN CHASE & CO COM Stock 46625H100 96,890 296 SH SOLE 0 0 296
HARTFORD INSURANCE GROUP INC COM Stock 416515104 5,566 42 SH SOLE 0 0 42
CHEVRON CORPORATION COM Stock 166764100 252,121 1,521 SH SOLE 0 0 1,521
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 2,668,438 24,795 SH SOLE 0 0 24,795
CONOCOPHILLIPS COM Stock 20825C104 566,582 5,450 SH SOLE 0 0 5,450
MARKEL GROUP INC COM Stock 570535104 351,542 180 SH SOLE 0 0 180
BANK OF AMER CORP COM Stock 060505104 40,228 706 SH SOLE 0 0 706
WALMART INC COM Stock 931142103 441,714 3,900 SH SOLE 0 0 3,900
ORACLE CORP COM Stock 68389X105 351,720 2,400 SH SOLE 0 0 2,400
RTX CORPORATION COM Stock 75513E101 890,593 4,694 SH SOLE 0 0 4,694
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 21,787 365 SH SOLE 0 0 365
TEXAS INSTRS INC COM Stock 882508104 754,117 2,530 SH SOLE 0 0 2,530
TARGET CORP COM Stock 87612E106 14,628 112 SH SOLE 0 0 112
PFIZER INC COM Stock 717081103 337,337 14,009 SH SOLE 0 0 14,009
MORGAN STANLEY COM NEW Stock 617446448 5,435 26 SH SOLE 0 0 26
3M CO COM Stock 88579Y101 157,862 975 SH SOLE 0 0 975
CATERPILLAR INC COM Stock 149123101 1,490,860 1,400 SH SOLE 0 0 1,400
ALPHABET INC CAP STK CL C Stock 02079K107 1,015,117 2,873 SH SOLE 0 0 2,873
AMERICAN EXPRESS CO COM Stock 025816109 357,192 1,056 SH SOLE 0 0 1,056
AMGEN INC COM Stock 031162100 685,131 1,892 SH SOLE 0 0 1,892
OTIS WORLDWIDE CORP COM Stock 68902V107 46,540 650 SH SOLE 0 0 650
ANALOG DEVICES INC COM Stock 032654105 17,475 44 SH SOLE 0 0 44
STATE STREET SPDR S&P OIL & GAS EXPLORATION & PRODUCTION ETF ETF 78468R556 2,670,703 17,313 SH SOLE 0 0 17,313
MERCADOLIBRE INC COM Stock 58733R102 1,254,371 739 SH SOLE 0 0 739
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 2,419,440 10,225 SH SOLE 0 0 10,225
SOLSTICE ADVANCED MATLS INC COM SHS Stock 83443Q103 35,351 399 SH SOLE 0 0 399
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 10,293,306 103,994 SH SOLE 0 0 103,994
ISHARES CORE MSCI EUROPE ETF ETF 46434V738 6,500,025 86,471 SH SOLE 0 0 86,471
ISHARES EXPANDED TECH SECTOR ETF ETF 464287549 7,154,989 43,740 SH SOLE 0 0 43,740
PHILIP MORRIS INTL INC COM Stock 718172109 203,162 1,123 SH SOLE 0 0 1,123
VANGUARD MEGA CAP ETF ETF 921910873 57,462 210 SH SOLE 0 0 210
ALTRIA GROUP INC COM Stock 02209S103 251,897 3,501 SH SOLE 0 0 3,501
DOMINION ENERGY INC COM Stock 25746U109 14,546 213 SH SOLE 0 0 213
EXXON MOBIL CORP COM Stock 30231G102 1,014,873 7,423 SH SOLE 0 0 7,423
UNITEDHEALTH GROUP INC COM Stock 91324P102 83,126 200 SH SOLE 0 0 200
PRICE T ROWE GROUP INC COM Stock 74144T108 1,933 17 SH SOLE 0 0 17
LOWES COS INC COM Stock 548661107 1,522,483 6,905 SH SOLE 0 0 6,905
ISHARES MSCI ACWI ETF ETF 464288257 16,482 105 SH SOLE 0 0 105
COLGATE PALMOLIVE CO COM Stock 194162103 183,360 2,000 SH SOLE 0 0 2,000
ISHARES MSCI AUSTRALIA ETF ETF 464286103 1,401,833 49,781 SH SOLE 0 0 49,781
SHOPIFY INC CL A SUB VTG SHS Stock 82509L107 371,199 3,251 SH SOLE 0 0 3,251
STATE STREET UTILITIES SELECT SECTOR SPDR ETF ETF 81369Y886 33,008 728 SH SOLE 0 0 728
NASDAQ INC COM Stock 631103108 3,626 46 SH SOLE 0 0 46
BLACKROCK INC COM Stock 09290D101 364,431 379 SH SOLE 0 0 379
ISHARES CORE S&P MID-CAP ETF ETF 464287507 15,380,129 199,457 SH SOLE 0 0 199,457
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746 2,756,559 54,499 SH SOLE 0 0 54,499
ISHARES MSCI EAFE ETF ETF 464287465 516,284 4,970 SH SOLE 0 0 4,970
APPLE INC COM Stock 037833100 9,091,981 31,421 SH SOLE 0 0 31,421
GS ACTIVEBETA US LARGE CAP EQUITY ETF ETF 381430503 20,142,704 141,960 SH SOLE 0 0 141,960
ABBOTT LABORATORIES COM Stock 002824100 306,883 3,382 SH SOLE 0 0 3,382
BOOKING HOLDINGS INC COM Stock 09857L108 1,443,744 8,100 SH SOLE 0 0 8,100
MARSH & MCLENNAN COS INC COM Stock 571748102 313,506 1,881 SH SOLE 0 0 1,881
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 380,615 1,570 SH SOLE 0 0 1,570