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
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108 301,058 5,355 SH SOLE 5,355 0 0
ALPHABET INC CAP STK CL A 02079K305 780,139 2,183 SH SOLE 2,183 0 0
ALPHABET INC CAP STK CL C 02079K107 299,302 847 SH SOLE 847 0 0
AMAZON COM INC COM 023135106 1,193,312 5,007 SH SOLE 5,007 0 0
AMERICAN TOWER CORP COM 03027X100 422,174 2,581 SH SOLE 2,581 0 0
AMGEN INC COM 031162100 427,664 1,181 SH SOLE 1,181 0 0
AMPHENOL CORP CL A 032095101 608,304 3,450 SH SOLE 3,450 0 0
ANALOG DEVICES INC COM 032654105 682,735 1,719 SH SOLE 1,719 0 0
APPLE INC COM 037833100 3,214,360 11,109 SH SOLE 11,109 0 0
ASML HLDG NV N Y REGISTRY SHS N07059210 318,310 160 SH SOLE 160 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 298,973 1,335 SH SOLE 1,335 0 0
BANK OF AMER CORP COM 060505104 741,042 13,005 SH SOLE 13,005 0 0
BECTON DICKINSON & CO COM 075887109 258,623 1,709 SH SOLE 1,709 0 0
COCA COLA CO COM 191216100 376,865 4,637 SH SOLE 4,637 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 694,958 743 SH SOLE 743 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 914,711 22,508 SH SOLE 22,508 0 0
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 338,456 8,204 SH SOLE 8,204 0 0
DIMENSIONAL ETF TRUST SHOR DUR FIX ETF 25434V864 895,647 18,757 SH SOLE 18,757 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 251,135 1,984 SH SOLE 1,984 0 0
ECOLAB INC COM 278865100 550,255 1,975 SH SOLE 1,975 0 0
ESSENTIAL UTILS INC COM 29670G102 556,300 14,521 SH SOLE 14,521 0 0
EXXON MOBIL CORP COM 30231G102 637,389 4,662 SH SOLE 4,662 0 0
FIRST AMERN FINL CORP COM 31847R102 491,104 7,160 SH SOLE 7,160 0 0
FRANCO NEV CORP COM 351858105 563,413 2,703 SH SOLE 2,703 0 0
HOME DEPOT INC COM 437076102 663,467 1,881 SH SOLE 1,881 0 0
INNOVATOR ETFS TRUST EQUITY DEF PROTN 45784N775 2,203,190 84,787 SH SOLE 84,787 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C417 1,182,772 27,468 SH SOLE 27,468 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 919,562 3,270 SH SOLE 3,270 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 445,658 22,825 SH SOLE 22,825 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783 906,684 46,224 SH SOLE 46,224 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 262,895 357 SH SOLE 357 0 0
ISHARES GOLD TR ISHARES NEW 464285204 1,423,061 18,846 SH SOLE 18,846 0 0
ISHARES TR CORE INTL AGGR 46435G672 1,660,884 32,824 SH SOLE 32,824 0 0
JOHNSON & JOHNSON COM 478160104 979,123 3,855 SH SOLE 3,855 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 633,486 2,180 SH SOLE 2,180 0 0
MCDONALDS CORP COM 580135101 370,400 1,370 SH SOLE 1,370 0 0
MICROSOFT CORP COM 594918104 1,332,447 3,572 SH SOLE 3,572 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307 218,858 527 SH SOLE 527 0 0
NETFLIX INC. COM 64110L106 851,079 11,920 SH SOLE 11,920 0 0
NEXTERA ENERGY INC COM 65339F101 328,699 3,745 SH SOLE 3,745 0 0
NVIDIA CORPORATION COM 67066G104 11,598,715 57,967 SH SOLE 57,967 0 0
PEPSICO INC COM 713448108 321,304 2,373 SH SOLE 2,373 0 0
QUALCOMM INC COM 747525103 452,551 2,449 SH SOLE 2,449 0 0
ROYAL GOLD INC COM 780287108 249,944 1,252 SH SOLE 1,252 0 0
RPM INTL INC COM 749685103 387,691 3,488 SH SOLE 3,488 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 569,681 15,711 SH SOLE 15,711 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,268,359 154,092 SH SOLE 154,092 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 468,388 19,403 SH SOLE 19,403 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,784,414 77,147 SH SOLE 77,147 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,870,250 64,580 SH SOLE 64,580 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,743,737 50,093 SH SOLE 50,093 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,488,353 68,872 SH SOLE 68,872 0 0
SPDR GOLD TR GOLD SHS 78463V107 356,960 969 SH SOLE 969 0 0
SSGA ACTIVE TR STATE STREET MY 78470P812 524,665 20,995 SH SOLE 20,995 0 0
STARBUCKS CORP COM 855244109 600,775 5,879 SH SOLE 5,879 0 0
TESLA INC COM 88160R101 270,025 642 SH SOLE 642 0 0
TEXAS INSTRS INC COM 882508104 401,202 1,346 SH SOLE 1,346 0 0
TJX COS INC NEW COM 872540109 454,500 3,000 SH SOLE 3,000 0 0
TOAST INC CL A 888787108 289,328 10,400 SH SOLE 10,400 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 588,627 5,662 SH SOLE 5,662 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 462,186 2,339 SH SOLE 2,339 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 1,231,351 15,283 SH SOLE 15,283 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 346,762 3,596 SH SOLE 3,596 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,086,903 3,039 SH SOLE 3,039 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,034,620 17,537 SH SOLE 17,537 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,155,135 9,108 SH SOLE 9,108 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 959,775 10,278 SH SOLE 10,278 0 0
VISA INC COM CL A 92826C839 931,206 2,714 SH SOLE 2,714 0 0
WALMART INC COM 931142103 608,005 5,368 SH SOLE 5,368 0 0
WASTE MGMT INC DEL COM 94106L109 321,393 1,442 SH SOLE 1,442 0 0
WEC ENERGY GROUP INC COM 92939U106 603,818 5,171 SH SOLE 5,171 0 0
XYLEM INC COM 98419M100 341,036 2,885 SH SOLE 2,885 0 0