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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   485,083 4,615 SH   SOLE 0 0 0 4,615
ABB LTD SPONSORED ADR 000375204   672,966 19,620 SH   SOLE 0 0 0 19,620
ABBOTT LABS COM 002824100   907,188 8,959 SH   SOLE 0 0 0 8,959
ABBVIE INC COM 00287Y109   2,307,359 14,478 SH   SOLE 0 0 0 14,478
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   613,920 2,148 SH   SOLE 0 0 0 2,148
ADOBE SYSTEMS INCORPORATED COM 00724F101   251,647 653 SH   SOLE 0 0 0 653
AFLAC INC COM 001055102   1,346,855 20,875 SH   SOLE 0 0 0 20,875
AKAMAI TECHNOLOGIES INC COM 00971T101   353,525 4,515 SH   SOLE 0 0 0 4,515
ALPHABET INC CAP STK CL A 02079K305   1,173,186 11,310 SH   SOLE 0 0 0 11,310
ALPHABET INC CAP STK CL C 02079K107   867,360 8,340 SH   SOLE 0 0 0 8,340
AMAZON COM INC COM 023135106   570,058 5,519 SH   SOLE 0 0 0 5,519
AMERICAN EXPRESS CO COM 025816109   309,776 1,878 SH   SOLE 0 0 0 1,878
AMERICAN TOWER CORP NEW COM 03027X100   519,432 2,542 SH   SOLE 0 0 0 2,542
AMERICAN WTR WKS CO INC NEW COM 030420103   1,411,724 9,637 SH   SOLE 0 0 0 9,637
AMGEN INC COM 031162100   1,447,599 5,988 SH   SOLE 0 0 0 5,988
APPLE INC COM 037833100   2,644,336 16,036 SH   SOLE 0 0 0 16,036
APPLIED MATLS INC COM 038222105   274,525 2,235 SH   SOLE 0 0 0 2,235
ARCHER DANIELS MIDLAND CO COM 039483102   1,395,325 17,516 SH   SOLE 0 0 0 17,516
AT&T INC COM 00206R102   605,875 31,474 SH   SOLE 0 0 0 31,474
BANK AMERICA CORP COM 060505104   233,605 8,168 SH   SOLE 0 0 0 8,168
BECTON DICKINSON & CO COM 075887109   272,294 1,100 SH   SOLE 0 0 0 1,100
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   515,337 1,669 SH   SOLE 0 0 0 1,669
BLACKROCK INC COM 09247X101   689,863 1,031 SH   SOLE 0 0 0 1,031
BRISTOL-MYERS SQUIBB CO COM 110122108   1,562,871 22,549 SH   SOLE 0 0 0 22,549
BROADCOM INC COM 11135F101   1,385,726 2,160 SH   SOLE 0 0 0 2,160
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   832,371 5,679 SH   SOLE 0 0 0 5,679
BUNGE LIMITED COM G16962105   353,424 3,700 SH   SOLE 0 0 0 3,700
CANADIAN NATL RY CO COM 136375102   471,880 4,000 SH   SOLE 0 0 0 4,000
CANADIAN PAC RY LTD COM 13645T100   577,050 7,500 SH   SOLE 0 0 0 7,500
CARDINAL HEALTH INC COM 14149Y108   1,192,900 15,800 SH   SOLE 0 0 0 15,800
CHEMED CORP NEW COM 16359R103   241,988 450 SH   SOLE 0 0 0 450
CHENIERE ENERGY INC COM NEW 16411R208   608,336 3,860 SH   SOLE 0 0 0 3,860
CHEVRON CORP NEW COM 166764100   1,807,650 11,079 SH   SOLE 0 0 0 11,079
CISCO SYS INC COM 17275R102   3,211,515 61,435 SH   SOLE 0 0 0 61,435
COMCAST CORP NEW CL A 20030N101   577,180 15,225 SH   SOLE 0 0 0 15,225
CONOCOPHILLIPS COM 20825C104   1,012,140 10,202 SH   SOLE 0 0 0 10,202
COSTCO WHSL CORP NEW COM 22160K105   2,417,273 4,865 SH   SOLE 0 0 0 4,865
CVS HEALTH CORP COM 126650100   732,548 9,858 SH   SOLE 0 0 0 9,858
CYBERARK SOFTWARE LTD SHS M2682V108   313,274 2,117 SH   SOLE 0 0 0 2,117
DIAGEO PLC SPON ADR NEW 25243Q205   454,943 2,511 SH   SOLE 0 0 0 2,511
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   672,133 24,940 SH   SOLE 0 0 0 24,940
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   275,233 6,185 SH   SOLE 0 0 0 6,185
DISNEY WALT CO COM 254687106   660,858 6,600 SH   SOLE 0 0 0 6,600
EMERSON ELEC CO COM 291011104   1,540,635 17,680 SH   SOLE 0 0 0 17,680
ENBRIDGE INC COM 29250N105   507,471 13,302 SH   SOLE 0 0 0 13,302
EXXON MOBIL CORP COM 30231G102   2,789,641 25,439 SH   SOLE 0 0 0 25,439
FEDEX CORP COM 31428X106   554,545 2,427 SH   SOLE 0 0 0 2,427
FLEX LNG LTD SHS G35947202   1,232,386 36,700 SH   SOLE 0 0 0 36,700
FLEXSHARES TR MORNSTAR UPSTR 33939L407   530,401 12,542 SH   SOLE 0 0 0 12,542
FLEXSHARES TR IBOXX 3R TARGT 33939L506   338,380 14,000 SH   SOLE 0 0 0 14,000
GENERAL DYNAMICS CORP COM 369550108   567,102 2,485 SH   SOLE 0 0 0 2,485
GENERAL ELECTRIC CO COM NEW 369604301   297,507 3,112 SH   SOLE 0 0 0 3,112
GENERAL MLS INC COM 370334104   859,899 10,062 SH   SOLE 0 0 0 10,062
GENERAL MTRS CO COM 37045V100   274,000 7,470 SH   SOLE 0 0 0 7,470
GENUINE PARTS CO COM 372460105   583,243 3,486 SH   SOLE 0 0 0 3,486
GILEAD SCIENCES INC COM 375558103   424,557 5,117 SH   SOLE 0 0 0 5,117
HANESBRANDS INC COM 410345102   462,075 87,847 SH   SOLE 0 0 0 87,847
HOME DEPOT INC COM 437076102   350,603 1,188 SH   SOLE 0 0 0 1,188
HONEYWELL INTL INC COM 438516106   279,800 1,464 SH   SOLE 0 0 0 1,464
HUNTINGTON INGALLS INDS INC COM 446413106   452,753 2,187 SH   SOLE 0 0 0 2,187
IDEXX LABS INC COM 45168D104   850,136 1,700 SH   SOLE 0 0 0 1,700
ILLINOIS TOOL WKS INC COM 452308109   223,731 919 SH   SOLE 0 0 0 919
INTEL CORP COM 458140100   1,317,091 40,315 SH   SOLE 0 0 0 40,315
INTERNATIONAL BUSINESS MACHS COM 459200101   1,668,776 12,730 SH   SOLE 0 0 0 12,730
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805   1,123,530 41,798 SH   SOLE 0 0 0 41,798
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   251,472 12,090 SH   SOLE 0 0 0 12,090
INVESCO QQQ TR UNIT SER 1 46090E103   1,176,850 3,667 SH   SOLE 0 0 0 3,667
ISHARES GOLD TR ISHARES NEW 464285204   7,755,732 207,539 SH   SOLE 0 0 0 207,539
ISHARES TR U.S. MED DVC ETF 464288810   1,316,302 24,385 SH   SOLE 0 0 0 24,385
ISHARES TR SHORT TREAS BD 464288679   1,072,071 9,702 SH   SOLE 0 0 0 9,702
ISHARES TR ISHS 1-5YR INVS 464288646   4,438,423 87,820 SH   SOLE 0 0 0 87,820
ISHARES TR INTL SEL DIV ETF 464288448   3,083,251 112,159 SH   SOLE 0 0 0 112,159
ISHARES TR ISHS 5-10YR INVT 464288638   3,445,760 67,195 SH   SOLE 0 0 0 67,195
ISHARES TR EXPANDED TECH 464287515   974,431 3,198 SH   SOLE 0 0 0 3,198
ISHARES TR CORE US AGGBD ET 464287226   2,071,914 20,794 SH   SOLE 0 0 0 20,794
ISHARES TR RUS 2000 GRW ETF 464287648   508,077 2,240 SH   SOLE 0 0 0 2,240
ISHARES TR CORE S&P MCP ETF 464287507   2,866,083 11,457 SH   SOLE 0 0 0 11,457
ISHARES TR CORE S&P SCP ETF 464287804   1,360,666 14,071 SH   SOLE 0 0 0 14,071
ISHARES TR CORE S&P500 ETF 464287200   1,447,002 3,520 SH   SOLE 0 0 0 3,520
ISHARES TR RUSSELL 2000 ETF 464287655   225,676 1,265 SH   SOLE 0 0 0 1,265
ISHARES TR MSCI EAFE ETF 464287465   357,600 5,000 SH   SOLE 0 0 0 5,000
ISHARES TR CORE MSCI EAFE 46432F842   1,964,989 29,394 SH   SOLE 0 0 0 29,394
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   497,742 9,800 SH   SOLE 0 0 0 9,800
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   7,079,018 140,680 SH   SOLE 0 0 0 140,680
JOHNSON & JOHNSON COM 478160104   1,488,310 9,602 SH   SOLE 0 0 0 9,602
JPMORGAN CHASE & CO COM 46625H100   2,665,361 20,454 SH   SOLE 0 0 0 20,454
L3HARRIS TECHNOLOGIES INC COM 502431109   347,345 1,770 SH   SOLE 0 0 0 1,770
LILLY ELI & CO COM 532457108   1,476,706 4,300 SH   SOLE 0 0 0 4,300
LINDE PLC SHS G54950103   233,169 656 SH   SOLE 0 0 0 656
LOCKHEED MARTIN CORP COM 539830109   1,639,428 3,468 SH   SOLE 0 0 0 3,468
LOWES COS INC COM 548661107   603,309 3,017 SH   SOLE 0 0 0 3,017
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100   1,019,552 10,859 SH   SOLE 0 0 0 10,859
MASTERCARD INCORPORATED CL A 57636Q104   1,122,937 3,090 SH   SOLE 0 0 0 3,090
MCDONALDS CORP COM 580135101   984,786 3,522 SH   SOLE 0 0 0 3,522
MCKESSON CORP COM 58155Q103   521,613 1,465 SH   SOLE 0 0 0 1,465
MDU RES GROUP INC COM 552690109   624,413 20,486 SH   SOLE 0 0 0 20,486
MEDTRONIC PLC SHS G5960L103   208,806 2,590 SH   SOLE 0 0 0 2,590
MERCK & CO INC COM 58933Y105   1,392,007 13,084 SH   SOLE 0 0 0 13,084
MICROSOFT CORP COM 594918104   4,775,978 16,566 SH   SOLE 0 0 0 16,566
MOLSON COORS BEVERAGE CO CL B 60871R209   823,779 15,940 SH   SOLE 0 0 0 15,940
NETAPP INC COM 64110D104   437,117 6,846 SH   SOLE 0 0 0 6,846
NEWELL BRANDS INC COM 651229106   701,094 56,358 SH   SOLE 0 0 0 56,358
NIKE INC CL B 654106103   269,563 2,198 SH   SOLE 0 0 0 2,198
NORTHROP GRUMMAN CORP COM 666807102   923,440 2,000 SH   SOLE 0 0 0 2,000
NOVARTIS AG SPONSORED ADR 66987V109   489,348 5,319 SH   SOLE 0 0 0 5,319
NOVO-NORDISK A S ADR 670100205   1,700,888 10,688 SH   SOLE 0 0 0 10,688
NUCOR CORP COM 670346105   1,037,421 6,716 SH   SOLE 0 0 0 6,716
ORACLE CORP COM 68389X105   305,428 3,287 SH   SOLE 0 0 0 3,287
PACKAGING CORP AMER COM 695156109   280,575 2,021 SH   SOLE 0 0 0 2,021
PAYCHEX INC COM 704326107   657,288 5,736 SH   SOLE 0 0 0 5,736
PEPSICO INC COM 713448108   1,061,898 5,825 SH   SOLE 0 0 0 5,825
PFIZER INC COM 717081103   1,063,370 26,063 SH   SOLE 0 0 0 26,063
PNC FINL SVCS GROUP INC COM 693475105   424,260 3,338 SH   SOLE 0 0 0 3,338
PPL CORP COM 69351T106   434,802 15,646 SH   SOLE 0 0 0 15,646
PROCTER AND GAMBLE CO COM 742718109   1,093,764 7,356 SH   SOLE 0 0 0 7,356
PRUDENTIAL FINL INC COM 744320102   467,233 5,647 SH   SOLE 0 0 0 5,647
PUBLIC STORAGE COM 74460D109   210,894 698 SH   SOLE 0 0 0 698
PUTNAM PREMIER INCOME TR SH BEN INT 746853100   61,980 17,410 SH   SOLE 0 0 0 17,410
QUALCOMM INC COM 747525103   444,106 3,481 SH   SOLE 0 0 0 3,481
RAYTHEON TECHNOLOGIES CORP COM 75513E101   506,592 5,173 SH   SOLE 0 0 0 5,173
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   4,827,429 98,943 SH   SOLE 0 0 0 98,943
SCHWAB STRATEGIC TR US REIT ETF 808524847   799,481 40,999 SH   SOLE 0 0 0 40,999
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   213,528 3,256 SH   SOLE 0 0 0 3,256
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   860,926 33,049 SH   SOLE 0 0 0 33,049
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103   264,612 4,002 SH   SOLE 0 0 0 4,002
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,188,611 14,350 SH   SOLE 0 0 0 14,350
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,437,766 9,521 SH   SOLE 0 0 0 9,521
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   224,130 3,000 SH   SOLE 0 0 0 3,000
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   698,501 4,671 SH   SOLE 0 0 0 4,671
SMUCKER J M CO COM NEW 832696405   767,966 4,880 SH   SOLE 0 0 0 4,880
SPDR GOLD TR GOLD SHS 78463V107   223,712 1,221 SH   SOLE 0 0 0 1,221
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   203,801 6,345 SH   SOLE 0 0 0 6,345
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,602,083 6,356 SH   SOLE 0 0 0 6,356
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   994,750 2,170 SH   SOLE 0 0 0 2,170
SPDR SER TR PORTFOLIO AGRGTE 78464A649   215,347 8,350 SH   SOLE 0 0 0 8,350
SPDR SER TR PORTFOLIO INTRMD 78464A375   1,253,139 38,570 SH   SOLE 0 0 0 38,570
SPROTT PHYSICAL GOLD TR UNIT 85207H104   179,537 11,613 SH   SOLE 0 0 0 11,613
STARBUCKS CORP COM 855244109   555,846 5,338 SH   SOLE 0 0 0 5,338
STRYKER CORPORATION COM 863667101   257,208 901 SH   SOLE 0 0 0 901
SYNOPSYS INC COM 871607107   729,240 1,888 SH   SOLE 0 0 0 1,888
T-MOBILE US INC COM 872590104   557,489 3,849 SH   SOLE 0 0 0 3,849
TARGET CORP COM 87612E106   305,587 1,845 SH   SOLE 0 0 0 1,845
THE REAL BROKERAGE INC COM NEW 75585H206   15,004 12,400 SH   SOLE 0 0 0 12,400
THERMO FISHER SCIENTIFIC INC COM 883556102   1,429,398 2,480 SH   SOLE 0 0 0 2,480
TJX COS INC NEW COM 872540109   727,181 9,280 SH   SOLE 0 0 0 9,280
TRAVELERS COMPANIES INC COM 89417E109   701,067 4,090 SH   SOLE 0 0 0 4,090
TYSON FOODS INC CL A 902494103   554,108 9,341 SH   SOLE 0 0 0 9,341
UNION PAC CORP COM 907818108   425,665 2,115 SH   SOLE 0 0 0 2,115
UNITED PARCEL SERVICE INC CL B 911312106   399,037 2,057 SH   SOLE 0 0 0 2,057
UNITEDHEALTH GROUP INC COM 91324P102   445,652 943 SH   SOLE 0 0 0 943
US BANCORP DEL COM NEW 902973304   440,711 12,225 SH   SOLE 0 0 0 12,225
VALERO ENERGY CORP COM 91913Y100   467,241 3,347 SH   SOLE 0 0 0 3,347
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,448,705 45,087 SH   SOLE 0 0 0 45,087
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,074,360 14,000 SH   SOLE 0 0 0 14,000
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   4,827,727 36,009 SH   SOLE 0 0 0 36,009
VANGUARD INDEX FDS VALUE ETF 922908744   1,680,108 12,165 SH   SOLE 0 0 0 12,165
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,023,743 19,046 SH   SOLE 0 0 0 19,046
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   364,878 4,394 SH   SOLE 0 0 0 4,394
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,645,250 8,061 SH   SOLE 0 0 0 8,061
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,162,997 28,787 SH   SOLE 0 0 0 28,787
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   632,015 11,820 SH   SOLE 0 0 0 11,820
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   3,874,855 64,624 SH   SOLE 0 0 0 64,624
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,292,984 43,198 SH   SOLE 0 0 0 43,198
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,396,999 22,057 SH   SOLE 0 0 0 22,057
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   510,376 11,299 SH   SOLE 0 0 0 11,299
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   2,420,170 22,940 SH   SOLE 0 0 0 22,940
VANGUARD WORLD FDS INF TECH ETF 92204A702   900,072 2,335 SH   SOLE 0 0 0 2,335
VERIZON COMMUNICATIONS INC COM 92343V104   1,261,475 32,437 SH   SOLE 0 0 0 32,437
VERTEX PHARMACEUTICALS INC COM 92532F100   262,453 833 SH   SOLE 0 0 0 833
VIATRIS INC COM 92556V106   233,237 24,245 SH   SOLE 0 0 0 24,245
VIRTU FINL INC CL A 928254101   364,411 19,281 SH   SOLE 0 0 0 19,281
VISA INC COM CL A 92826C839   745,596 3,307 SH   SOLE 0 0 0 3,307
WALGREENS BOOTS ALLIANCE INC COM 931427108   1,229,769 35,563 SH   SOLE 0 0 0 35,563
WALMART INC COM 931142103   221,912 1,505 SH   SOLE 0 0 0 1,505
WASTE MGMT INC DEL COM 94106L109   473,519 2,902 SH   SOLE 0 0 0 2,902
XYLEM INC COM 98419M100   509,470 4,866 SH   SOLE 0 0 0 4,866
ZOETIS INC CL A 98978V103   841,354 5,055 SH   SOLE 0 0 0 5,055