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
3M CO COM 88579Y101 230,398 1,423 SH SOLE 0 0 1,423
ABBVIE INC COM 00287Y109 353,554 1,405 SH SOLE 0 0 1,405
ALPHABET INC CAP STK CL A 02079K305 1,240,789 3,472 SH SOLE 0 0 3,472
ALPHABET INC CAP STK CL C 02079K107 249,451 706 SH SOLE 0 0 706
ALTRIA GROUP INC COM 02209S103 213,620 2,969 SH SOLE 0 0 2,969
AMAZON COM INC COM 023135106 1,130,923 4,745 SH SOLE 0 0 4,745
ANHEUSER BUSCH INBEV SA NV SPONSORED ADR 03524A108 242,750 2,946 SH SOLE 0 0 2,946
APPLE INC COM 037833100 2,134,609 7,377 SH SOLE 0 0 7,377
APPLIED MATLS INC COM 038222105 1,072,932 1,484 SH SOLE 0 0 1,484
ASML HLDG NV N Y REGISTRY SHS N07059210 328,258 165 SH SOLE 0 0 165
BANK MONTREAL MEDIUM COM 063671101 231,124 1,308 SH SOLE 0 0 1,308
BANK NOVA SCOTIA B C COM 064149107 210,674 2,426 SH SOLE 0 0 2,426
BANK OF AMER CORP COM 060505104 268,034 4,704 SH SOLE 0 0 4,704
BANK OF NY MELLON CORP COM 064058100 292,546 2,023 SH SOLE 0 0 2,023
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 731,070 1,461 SH SOLE 0 0 1,461
BLACKROCK ETF TRUST ISHA LA CORE ETF 09290C855 1,957,026 38,853 SH SOLE 0 0 38,853
BLACKROCK ETF TRUST ISHA US AWAR ETF 09290C509 410,980 5,127 SH SOLE 0 0 5,127
BLACKROCK ETF TRUST ISHA IN CTRY ETF 09290C764 7,094,800 193,847 SH SOLE 0 0 193,847
BLACKROCK ETF TRUST ISHA SYST AL ETF 09290C665 5,243,106 186,920 SH SOLE 0 0 186,920
BLACKROCK ETF TRUST ISHA US THEM ETF 09290C806 2,741,925 63,603 SH SOLE 0 0 63,603
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 7,797,891 114,658 SH SOLE 0 0 114,658
BLACKROCK ETF TRUST ISHA I IN TE ETF 09290C780 3,872,442 73,453 SH SOLE 0 0 73,453
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 958,188 18,307 SH SOLE 0 0 18,307
BLACKROCK INC COM 09290D101 294,237 306 SH SOLE 0 0 306
BROADCOM INC COM 11135F101 1,762,204 4,665 SH SOLE 0 0 4,665
CANADIAN IMPERIAL BANK OF CO COM 136069101 214,475 1,865 SH SOLE 0 0 1,865
CATERPILLAR INC COM 149123101 1,034,018 971 SH SOLE 0 0 971
CISCO SYS INC COM 17275R102 382,802 3,259 SH SOLE 0 0 3,259
COCA COLA CO COM 191216100 335,808 4,132 SH SOLE 0 0 4,132
COSTCO WHOLESALE CORPORATION COM 22160K105 460,251 492 SH SOLE 0 0 492
CSX CORP COM 126408103 286,511 6,028 SH SOLE 0 0 6,028
DBX ETF TR XTRACK USD HIGH 233051432 347,123 9,505 SH SOLE 0 0 9,505
ELI LILLY & CO COM 532457108 492,966 411 SH SOLE 0 0 411
EXXON MOBIL CORP COM 30231G102 1,133,135 8,288 SH SOLE 0 0 8,288
FIRST TR EXCHANGE TRADED FD RISNG DIVD ACHIV 33738R506 5,438,721 67,095 SH SOLE 0 0 67,095
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 4,316,175 86,705 SH SOLE 0 0 86,705
GILEAD SCIENCES INC COM 375558103 229,181 1,814 SH SOLE 0 0 1,814
GLOBAL X FDS DEFENSE TECH ETF 37960A529 2,254,650 37,760 SH SOLE 0 0 37,760
GRANITESHARES ETF TR BBG COMMD K 1 38747R108 213,469 8,865 SH SOLE 0 0 8,865
HOME DEPOT INC COM 437076102 559,527 1,587 SH SOLE 0 0 1,587
HSBC HLDGS PLC SPON ADR NEW 404280406 240,388 2,528 SH SOLE 0 0 2,528
INTEL CORP COM 458140100 240,582 1,723 SH SOLE 0 0 1,723
INTERNATIONAL BUSINESS MACHS COM 459200101 269,118 957 SH SOLE 0 0 957
INVESCO QQQ TR UNIT SER 1 46090E103 452,150 614 SH SOLE 0 0 614
ISHARES GOLD TR ISHARES NEW 464285204 1,415,510 18,746 SH SOLE 0 0 18,746
ISHARES INC CORE MSCI EMKT 46434G103 3,499,824 42,248 SH SOLE 0 0 42,248
ISHARES TR JPMORGAN USD EMG 464288281 1,921,856 19,928 SH SOLE 0 0 19,928
ISHARES TR ESG AWR US AGRGT 46435U549 387,814 8,180 SH SOLE 0 0 8,180
ISHARES TR ESG MSCI KLD ETF 464288570 290,903 2,043 SH SOLE 0 0 2,043
ISHARES TR CORE S&P SCP ETF 464287804 205,409 1,385 SH SOLE 0 0 1,385
ISHARES TR US TREAS BD ETF 46429B267 606,062 26,605 SH SOLE 0 0 26,605
ISHARES TR SYSTEMATIC BD ET 46435U796 410,579 4,628 SH SOLE 0 0 4,628
ISHARES TR S&P 100 ETF 464287101 367,333 1,004 SH SOLE 0 0 1,004
ISHARES TR RUS 1000 VAL ETF 464287598 258,673 1,067 SH SOLE 0 0 1,067
ISHARES TR CORE INTL AGGR 46435G672 1,089,216 21,526 SH SOLE 0 0 21,526
ISHARES TR EAFE SML CP ETF 464288273 459,889 5,590 SH SOLE 0 0 5,590
ISHARES TR 10-20 YR TRS ETF 464288653 2,256,671 22,488 SH SOLE 0 0 22,488
ISHARES TR MSCI USA QLT FCT 46432F339 2,127,154 9,694 SH SOLE 0 0 9,694
ISHARES TR NATIONAL MUN ETF 464288414 513,132 4,768 SH SOLE 0 0 4,768
ISHARES TR ESG MSCI USA ETF 46436E767 262,104 3,774 SH SOLE 0 0 3,774
ISHARES TR CORE UNIVRSL USD 46434V613 472,668 10,242 SH SOLE 0 0 10,242
ISHARES TR 0-5 YR TIPS ETF 46429B747 355,517 3,480 SH SOLE 0 0 3,480
ISHARES TR CORE US AGGBD ET 464287226 274,571 2,774 SH SOLE 0 0 2,774
ISHARES TR ESG AWR MSCI USA 46435G425 283,640 1,733 SH SOLE 0 0 1,733
ISHARES TR MBS ETF 464288588 2,491,169 26,356 SH SOLE 0 0 26,356
ISHARES TR ESG AWRE USD ETF 46435G193 344,724 14,890 SH SOLE 0 0 14,890
ISHARES TR MSCI EMG MKT ETF 464287234 361,000 5,277 SH SOLE 0 0 5,277
ISHARES TR CORE S&P MCP ETF 464287507 271,813 3,525 SH SOLE 0 0 3,525
ISHARES TR MSCI USA MMENTM 46432F396 3,182,834 9,284 SH SOLE 0 0 9,284
ISHARES TR EAFE GRWTH ETF 464288885 1,010,788 8,124 SH SOLE 0 0 8,124
ISHARES TR CRE U S REIT ETF 464288521 230,781 3,473 SH SOLE 0 0 3,473
ISHARES TR BROAD USD HIGH 46435U853 1,374,516 37,129 SH SOLE 0 0 37,129
ISHARES TR 20 YR TR BD ETF 464287432 10,105,696 116,937 SH SOLE 0 0 116,937
ISHARES TR EAFE VALUE ETF 464288877 1,205,739 15,751 SH SOLE 0 0 15,751
ISHARES TR CORE S&P500 ETF 464287200 246,385 329 SH SOLE 0 0 329
ISHARES TR EUROPE ETF 464287861 655,067 8,992 SH SOLE 0 0 8,992
ISHARES TR MSCI INTL VLU FT 46435G409 974,866 23,311 SH SOLE 0 0 23,311
JOHNSON & JOHNSON COM 478160104 1,618,805 6,374 SH SOLE 0 0 6,374
JPMORGAN CHASE & CO COM 46625H100 844,839 2,581 SH SOLE 0 0 2,581
LAM RESEARCH CORP COM NEW 512807306 1,324,690 3,057 SH SOLE 0 0 3,057
LINDE PLC SHS G54950103 203,424 392 SH SOLE 0 0 392
LOWES COS INC COM 548661107 200,205 908 SH SOLE 0 0 908
MASTERCARD INCORPORATED CL A 57636Q104 390,850 761 SH SOLE 0 0 761
MCDONALDS CORP COM 580135101 271,662 1,005 SH SOLE 0 0 1,005
MERCK & CO INC COM 58933Y105 371,494 2,891 SH SOLE 0 0 2,891
META PLATFORMS INC CL A 30303M102 731,714 1,299 SH SOLE 0 0 1,299
MICROSOFT CORP COM 594918104 1,792,734 4,806 SH SOLE 0 0 4,806
NETFLIX INC. COM 64110L106 279,817 3,919 SH SOLE 0 0 3,919
NOVARTIS AG SPONSORED ADR 66987V109 333,814 2,130 SH SOLE 0 0 2,130
NVIDIA CORPORATION COM 67066G104 1,527,287 7,633 SH SOLE 0 0 7,633
NVR INC COM 62944T105 2,384,690 350 SH SOLE 0 0 350
PARKER-HANNIFIN CORP COM 701094104 370,707 379 SH SOLE 0 0 379
PEPSICO INC COM 713448108 331,595 2,449 SH SOLE 0 0 2,449
PROCTER & GAMBLE CO COM 742718109 459,863 3,136 SH SOLE 0 0 3,136
PROLOGIS INC. COM 74340W103 233,144 1,721 SH SOLE 0 0 1,721
PUBLIC SVC ENTERPRISE GROUP COM 744573106 208,906 2,574 SH SOLE 0 0 2,574
QUALCOMM INC COM 747525103 300,099 1,624 SH SOLE 0 0 1,624
ROYAL BK CDA COM 780087102 291,207 1,407 SH SOLE 0 0 1,407
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,744,435 73,667 SH SOLE 0 0 73,667
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,977,106 41,087 SH SOLE 0 0 41,087
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,795,958 67,772 SH SOLE 0 0 67,772
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 218,577 7,427 SH SOLE 0 0 7,427
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 489,636 2,570 SH SOLE 0 0 2,570
SHELL PLC SPON ADS 780259305 261,155 3,368 SH SOLE 0 0 3,368
SOUTHERN CO COM 842587107 244,252 2,552 SH SOLE 0 0 2,552
SPDR SERIES TRUST ST STR P500GRW 78464A409 7,131,428 59,933 SH SOLE 0 0 59,933
SPDR SERIES TRUST ST SHOR CORP ETF 78464A474 207,489 6,914 SH SOLE 0 0 6,914
SPDR SERIES TRUST ST STR NUVEE ETF 78468R721 252,450 5,512 SH SOLE 0 0 5,512
SPDR SERIES TRUST ST INTER BD ETF 78464A375 212,772 6,359 SH SOLE 0 0 6,359
SPDR SERIES TRUST ST STR P500VAL 78464A508 5,302,529 87,227 SH SOLE 0 0 87,227
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 914,793 1,225 SH SOLE 0 0 1,225
TESLA INC COM 88160R101 1,004,813 2,389 SH SOLE 0 0 2,389
TJX COS INC NEW COM 872540109 414,504 2,736 SH SOLE 0 0 2,736
TORONTO DOMINION BK ONT COM NEW 891160509 338,911 2,791 SH SOLE 0 0 2,791
TRANE TECHNOLOGIES PLC SHS G8994E103 305,502 622 SH SOLE 0 0 622
UNITED BANKSHARES INC WEST V COM 909907107 422,553 9,220 SH SOLE 0 0 9,220
UNITEDHEALTH GROUP INC COM 91324P102 270,160 650 SH SOLE 0 0 650
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 6,490,492 134,018 SH SOLE 0 0 134,018
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 14,205,997 20,684 SH SOLE 0 0 20,684
VANGUARD INDEX FDS GROWTH ETF 922908736 500,818 5,814 SH SOLE 0 0 5,814
VANGUARD INDEX FDS LARGE CAP ETF 922908637 242,113 704 SH SOLE 0 0 704
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,730,473 28,991 SH SOLE 0 0 28,991
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 205,810 4,069 SH SOLE 0 0 4,069
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 4,774,029 57,762 SH SOLE 0 0 57,762
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 5,134,209 87,050 SH SOLE 0 0 87,050
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 773,653 13,293 SH SOLE 0 0 13,293
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,342,607 29,642 SH SOLE 0 0 29,642
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 955,635 7,477 SH SOLE 0 0 7,477
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 473,296 10,111 SH SOLE 0 0 10,111
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 948,392 8,921 SH SOLE 0 0 8,921
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 580,266 4,779 SH SOLE 0 0 4,779
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 489,844 6,875 SH SOLE 0 0 6,875
VISA INC COM CL A 92826C839 327,651 955 SH SOLE 0 0 955
WALMART INC COM 931142103 824,986 7,284 SH SOLE 0 0 7,284
WELLS FARGO & CO COM 949746101 238,664 2,888 SH SOLE 0 0 2,888