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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   689,989 6,894 SH   SOLE 0 0 0 6,894
ABBVIE INC COM 00287Y109   1,159,809 8,608 SH   SOLE 0 0 0 8,608
ADVANCED MICRO DEVICES INC COM 007903107   646,451 5,675 SH   SOLE 0 0 0 5,675
ALPHABET INC CAP STK CL A 02079K305   1,241,169 10,369 SH   SOLE 0 0 0 10,369
ALTRIA GROUP INC COM 02209S103   381,531 8,422 SH   SOLE 0 0 0 8,422
AMAZON COM INC COM 023135106   1,510,752 11,589 SH   SOLE 0 0 0 11,589
AMERICAN ELEC PWR CO INC COM 025537101   220,216 2,615 SH   SOLE 0 0 0 2,615
AMERICAN EQTY INVT LIFE HLD COM 025676206   500,309 9,601 SH   SOLE 0 0 0 9,601
AMERICAN FINL GROUP INC OHIO COM 025932104   621,300 5,232 SH   SOLE 0 0 0 5,232
APPLE HOSPITALITY REIT INC COM NEW 03784Y200   164,669 10,898 SH   SOLE 0 0 0 10,898
APPLE INC COM 037833100   6,428,017 33,139 SH   SOLE 0 0 0 33,139
ARK ETF TR GENOMIC REV ETF 00214Q302   382,283 11,214 SH   SOLE 0 0 0 11,214
AT&T INC COM 00206R102   365,473 22,914 SH   SOLE 0 0 0 22,914
AUTOMATIC DATA PROCESSING IN COM 053015103   894,546 4,070 SH   SOLE 0 0 0 4,070
BANK NEW YORK MELLON CORP COM 064058100   510,091 11,458 SH   SOLE 0 0 0 11,458
BECTON DICKINSON & CO COM 075887109   373,007 1,413 SH   SOLE 0 0 0 1,413
BERKLEY W R CORP COM 084423102   606,780 10,188 SH   SOLE 0 0 0 10,188
BERKSHIRE HATHAWAY INC DEL CL A 084670108   517,810 1 SH   SOLE 0 0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   561,968 1,648 SH   SOLE 0 0 0 1,648
CAMPBELL SOUP CO COM 134429109   526,623 11,521 SH   SOLE 0 0 0 11,521
CATERPILLAR INC COM 149123101   467,855 1,901 SH   SOLE 0 0 0 1,901
CHEVRON CORP NEW COM 166764100   966,695 6,144 SH   SOLE 0 0 0 6,144
CHUBB LIMITED COM H1467J104   612,769 3,182 SH   SOLE 0 0 0 3,182
CIA ENERGETICA DE MINAS GERA SP ADR N-V PFD 204409601   27,906 10,611 SH   SOLE 0 0 0 10,611
CISCO SYS INC COM 17275R102   207,380 4,008 SH   SOLE 0 0 0 4,008
CITIGROUP INC COM NEW 172967424   841,023 18,267 SH   SOLE 0 0 0 18,267
COCA COLA CO COM 191216100   939,084 15,594 SH   SOLE 0 0 0 15,594
COSTCO WHSL CORP NEW COM 22160K105   1,260,519 2,341 SH   SOLE 0 0 0 2,341
CRISPR THERAPEUTICS AG NAMEN AKT H17182108   453,331 8,075 SH   SOLE 0 0 0 8,075
CVS HEALTH CORP COM 126650100   1,160,550 16,788 SH   SOLE 0 0 0 16,788
DISNEY WALT CO COM 254687106   311,588 3,490 SH   SOLE 0 0 0 3,490
DOLLAR GEN CORP NEW COM 256677105   569,076 3,352 SH   SOLE 0 0 0 3,352
DOMINION ENERGY INC COM 25746U109   1,105,915 21,354 SH   SOLE 0 0 0 21,354
DUKE ENERGY CORP NEW COM NEW 26441C204   244,666 2,726 SH   SOLE 0 0 0 2,726
ENBRIDGE INC COM 29250N105   217,864 5,864 SH   SOLE 0 0 0 5,864
EXXON MOBIL CORP COM 30231G102   1,121,737 10,459 SH   SOLE 0 0 0 10,459
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402   3,083,312 139,139 SH   SOLE 0 0 0 139,139
GABELLI UTIL TR COM 36240A101   247,043 36,437 SH   SOLE 0 0 0 36,437
GILEAD SCIENCES INC COM 375558103   238,930 3,100 SH   SOLE 0 0 0 3,100
HERSHEY CO COM 427866108   207,271 830 SH   SOLE 0 0 0 830
HOME DEPOT INC COM 437076102   730,877 2,353 SH   SOLE 0 0 0 2,353
HONEYWELL INTL INC COM 438516106   212,222 1,023 SH   SOLE 0 0 0 1,023
IDEXX LABS INC COM 45168D104   251,115 500 SH   SOLE 0 0 0 500
INTEL CORP COM 458140100   233,934 6,996 SH   SOLE 0 0 0 6,996
INTERNATIONAL BUSINESS MACHS COM 459200101   512,804 3,832 SH   SOLE 0 0 0 3,832
INVESCO EXCH TRADED FD TR II S&P 500 HB ETF 46138E370   7,161,224 93,746 SH   SOLE 0 0 0 93,746
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   199,437 10,527 SH   SOLE 0 0 0 10,527
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   206,130 9,737 SH   SOLE 0 0 0 9,737
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   211,450 10,280 SH   SOLE 0 0 0 10,280
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   202,278 10,049 SH   SOLE 0 0 0 10,049
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   365,890 2,445 SH   SOLE 0 0 0 2,445
INVESCO QQQ TR UNIT SER 1 46090E103   7,525,049 20,370 SH   SOLE 0 0 0 20,370
INVESCO VALUE MUN INCOME TR COM 46132P108   580,142 49,081 SH   SOLE 0 0 0 49,081
ISHARES GOLD TR ISHARES NEW 464285204   934,880 25,691 SH   SOLE 0 0 0 25,691
ISHARES SILVER TR ISHARES 46428Q109   334,048 15,991 SH   SOLE 0 0 0 15,991
ISHARES TR SELECT DIVID ETF 464287168   5,135,141 45,323 SH   SOLE 0 0 0 45,323
ISHARES TR TIPS BD ETF 464287176   6,425,237 59,703 SH   SOLE 0 0 0 59,703
ISHARES TR MSCI USA QLT FCT 46432F339   817,523 6,062 SH   SOLE 0 0 0 6,062
ISHARES TR MSCI USA MIN VOL 46429B697   2,606,795 35,071 SH   SOLE 0 0 0 35,071
ISHARES TR 7-10 YR TRSY BD 464287440   477,358 4,942 SH   SOLE 0 0 0 4,942
ISHARES TR CORE S&P SCP ETF 464287804   623,995 6,262 SH   SOLE 0 0 0 6,262
ISHARES TR JPMORGAN USD EMG 464288281   314,513 3,634 SH   SOLE 0 0 0 3,634
ISHARES TR ISHS 5-10YR INVT 464288638   300,112 5,935 SH   SOLE 0 0 0 5,935
ISHARES TR IBOXX INV CP ETF 464287242   511,475 4,730 SH   SOLE 0 0 0 4,730
ISHARES TR S&P 500 GRWT ETF 464287309   213,747 3,033 SH   SOLE 0 0 0 3,033
ISHARES TR S&P 500 VAL ETF 464287408   300,546 1,865 SH   SOLE 0 0 0 1,865
ISHARES TR CORE S&P MCP ETF 464287507   5,277,282 20,182 SH   SOLE 0 0 0 20,182
ISHARES TR CORE S&P500 ETF 464287200   14,690,298 32,959 SH   SOLE 0 0 0 32,959
JOHNSON & JOHNSON COM 478160104   1,706,271 10,309 SH   SOLE 0 0 0 10,309
JPMORGAN CHASE & CO COM 46625H100   298,706 2,054 SH   SOLE 0 0 0 2,054
KIMBERLY-CLARK CORP COM 494368103   244,214 1,769 SH   SOLE 0 0 0 1,769
KRANESHARES TR CSI CHI INTERNET 500767306   421,430 15,649 SH   SOLE 0 0 0 15,649
KROGER CO COM 501044101   583,176 12,408 SH   SOLE 0 0 0 12,408
LILLY ELI & CO COM 532457108   607,445 1,295 SH   SOLE 0 0 0 1,295
LOCKHEED MARTIN CORP COM 539830109   268,961 584 SH   SOLE 0 0 0 584
LOWES COS INC COM 548661107   592,862 2,627 SH   SOLE 0 0 0 2,627
MCDONALDS CORP COM 580135101   642,223 2,152 SH   SOLE 0 0 0 2,152
MERCK & CO INC COM 58933Y105   542,025 4,697 SH   SOLE 0 0 0 4,697
META PLATFORMS INC CL A 30303M102   1,141,614 3,978 SH   SOLE 0 0 0 3,978
MICROSOFT CORP COM 594918104   2,692,219 7,906 SH   SOLE 0 0 0 7,906
NETFLIX INC COM 64110L106   260,770 592 SH   SOLE 0 0 0 592
NUVEEN AMT FREE QLTY MUN INC COM 670657105   126,537 11,577 SH   SOLE 0 0 0 11,577
NVIDIA CORPORATION COM 67066G104   399,356 944 SH   SOLE 0 0 0 944
PALO ALTO NETWORKS INC COM 697435105   567,999 2,223 SH   SOLE 0 0 0 2,223
PARKER-HANNIFIN CORP COM 701094104   619,046 1,587 SH   SOLE 0 0 0 1,587
PEPSICO INC COM 713448108   470,464 2,540 SH   SOLE 0 0 0 2,540
PFIZER INC COM 717081103   366,378 9,988 SH   SOLE 0 0 0 9,988
PHILIP MORRIS INTL INC COM 718172109   457,517 4,687 SH   SOLE 0 0 0 4,687
PROCTER AND GAMBLE CO COM 742718109   765,154 5,043 SH   SOLE 0 0 0 5,043
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   510,740 8,157 SH   SOLE 0 0 0 8,157
SCHWAB CHARLES CORP COM 808513105   582,954 10,285 SH   SOLE 0 0 0 10,285
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   286,675 1,649 SH   SOLE 0 0 0 1,649
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   2,275,215 34,768 SH   SOLE 0 0 0 34,768
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,329,619 17,552 SH   SOLE 0 0 0 17,552
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   6,757,829 200,470 SH   SOLE 0 0 0 200,470
SENSEONICS HLDGS INC COM 81727U105   15,262 20,000 SH   SOLE 0 0 0 20,000
SHELL PLC SPON ADS 780259305   233,723 3,871 SH   SOLE 0 0 0 3,871
SOUTHERN CO COM 842587107   263,732 3,754 SH   SOLE 0 0 0 3,754
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   10,690,649 31,091 SH   SOLE 0 0 0 31,091
SPDR GOLD TR GOLD SHS 78463V107   952,308 5,342 SH   SOLE 0 0 0 5,342
SPDR S&P 500 ETF TR TR UNIT 78462F103   829,847 1,872 SH   SOLE 0 0 0 1,872
STANLEY BLACK & DECKER INC COM 854502101   595,908 6,359 SH   SOLE 0 0 0 6,359
STARWOOD PPTY TR INC COM 85571B105   201,164 10,369 SH   SOLE 0 0 0 10,369
TEKLA WORLD HEALTHCARE FD BEN INT SHS 87911L108   474,651 33,855 SH   SOLE 0 0 0 33,855
TELUS CORPORATION COM 87971M103   211,287 10,858 SH   SOLE 0 0 0 10,858
TESLA INC COM 88160R101   1,155,715 4,415 SH   SOLE 0 0 0 4,415
TRANE TECHNOLOGIES PLC SHS G8994E103   306,123 1,601 SH   SOLE 0 0 0 1,601
TRAVELERS COMPANIES INC COM 89417E109   745,197 4,291 SH   SOLE 0 0 0 4,291
TRUIST FINL CORP COM 89832Q109   587,345 19,352 SH   SOLE 0 0 0 19,352
UNITED PARCEL SERVICE INC CL B 911312106   259,073 1,445 SH   SOLE 0 0 0 1,445
VALLEY NATL BANCORP COM 919794107   101,897 13,148 SH   SOLE 0 0 0 13,148
VANECK MERK GOLD TR GOLD TRUST 921078101   191,747 10,309 SH   SOLE 0 0 0 10,309
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   211,662 4,330 SH   SOLE 0 0 0 4,330
VANGUARD INDEX FDS SM CP VAL ETF 922908611   5,702,334 34,476 SH   SOLE 0 0 0 34,476
VANGUARD INDEX FDS VALUE ETF 922908744   546,444 3,845 SH   SOLE 0 0 0 3,845
VANGUARD INDEX FDS GROWTH ETF 922908736   254,374 899 SH   SOLE 0 0 0 899
VERIZON COMMUNICATIONS INC COM 92343V104   1,101,263 29,612 SH   SOLE 0 0 0 29,612
VERU INC COM 92536C103   23,800 20,000 SH   SOLE 0 0 0 20,000
VISA INC COM CL A 92826C839   220,238 927 SH   SOLE 0 0 0 927
WALMART INC COM 931142103   1,194,083 7,597 SH   SOLE 0 0 0 7,597
WASTE MGMT INC DEL COM 94106L109   615,061 3,547 SH   SOLE 0 0 0 3,547
ZOOM VIDEO COMMUNICATIONS IN CL A 98980L101   223,800 3,297 SH   SOLE 0 0 0 3,297