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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL C 02079K107 346 130 SH   SOLE   0 0 130
ALPHABET INC CAP STK CL A 02079K305 297 111 SH   SOLE   0 0 111
AMAZON COM INC COM 023135106 407 124 SH   SOLE   0 0 124
AMERICAN ELEC PWR CO INC COM 025537101 219 2,692 SH   SOLE   0 0 2,692
AMERICAN WTR WKS CO INC NEW COM 030420103 296 1,750 SH   SOLE   0 0 1,750
APPLE INC COM 037833100 2,830 19,999 SH   SOLE   0 0 19,999
APPLIED MATLS INC COM 038222105 227 1,763 SH   SOLE   0 0 1,763
ARK ETF TR GENOMIC REV ETF 00214Q302 234 3,125 SH   SOLE   0 0 3,125
AT&T INC COM 00206R102 307 11,354 SH   SOLE   0 0 11,354
BIONTECH SE SPONSORED ADS 09075V102 329 1,207 SH   SOLE   0 0 1,207
BOEING CO COM 097023105 229 1,040 SH   SOLE   0 0 1,040
CHEVRON CORP NEW COM 166764100 453 4,468 SH   SOLE   0 0 4,468
CLOUGH GLOBAL EQUITY FD COM 18914C100 161 10,991 SH   SOLE   0 0 10,991
CORNING INC COM 219350105 219 6,012 SH   SOLE   0 0 6,012
DEERE & CO COM 244199105 239 714 SH   SOLE   0 0 714
DOMINION ENERGY INC COM 25746U109 420 5,751 SH   SOLE   0 0 5,751
DUKE ENERGY CORP NEW COM NEW 26441C204 282 2,885 SH   SOLE   0 0 2,885
EATON VANCE TAX-MANAGED BUY- COM 27828Y108 414 25,874 SH   SOLE   0 0 25,874
EMERSON ELEC CO COM 291011104 210 2,229 SH   SOLE   0 0 2,229
EXXON MOBIL CORP COM 30231G102 249 4,237 SH   SOLE   0 0 4,237
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402 378 26,235 SH   SOLE   0 0 26,235
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 2,201 18,551 SH   SOLE   0 0 18,551
FIDELITY COVINGTON TRUST MSCI MATLS INDEX 316092881 301 6,810 SH   SOLE   0 0 6,810
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 660 21,698 SH   SOLE   0 0 21,698
FIDELITY COVINGTON TRUST MSCI COMMNTN SVC 316092873 1,413 26,464 SH   SOLE   0 0 26,464
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 2,026 37,733 SH   SOLE   0 0 37,733
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 2,086 32,683 SH   SOLE   0 0 32,683
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 991 12,343 SH   SOLE   0 0 12,343
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303 526 12,559 SH   SOLE   0 0 12,559
FIDELITY COVINGTON TRUST MSCI INDL INDX 316092709 963 18,567 SH   SOLE   0 0 18,567
HOME DEPOT INC COM 437076102 328 1,000 SH   SOLE   0 0 1,000
INTEL CORP COM 458140100 824 15,465 SH   SOLE   0 0 15,465
INTERNATIONAL BUSINESS MACHS COM 459200101 233 1,674 SH   SOLE   0 0 1,674
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 254 5,023 SH   SOLE   0 0 5,023
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,531 16,895 SH   SOLE   0 0 16,895
ISHARES GOLD TR ISHARES NEW 464285204 1,091 32,650 SH   SOLE   0 0 32,650
ISHARES INC CORE MSCI EMKT 46434G103 1,398 22,637 SH   SOLE   0 0 22,637
ISHARES TR PFD AND INCM SEC 464288687 236 6,078 SH   SOLE   0 0 6,078
ISHARES TR SELECT DIVID ETF 464287168 244 2,126 SH   SOLE   0 0 2,126
ISHARES TR CORE 1 5 YR USD 46432F859 4,794 93,874 SH   SOLE   0 0 93,874
ISHARES TR USD INV GRDE ETF 464288620 744 12,386 SH   SOLE   0 0 12,386
ISHARES TR CORE MSCI EAFE 46432F842 3,704 49,885 SH   SOLE   0 0 49,885
ISHARES TR CORE S&P SCP ETF 464287804 976 8,939 SH   SOLE   0 0 8,939
ISHARES TR CORE S&P US GWT 464287671 3,225 31,487 SH   SOLE   0 0 31,487
ISHARES TR CORE S&P US VLU 464287663 4,527 63,865 SH   SOLE   0 0 63,865
ISHARES TR CORE S&P MCP ETF 464287507 672 2,553 SH   SOLE   0 0 2,553
ISHARES TR IBOXX INV CP ETF 464287242 3,393 25,507 SH   SOLE   0 0 25,507
ISHARES TR US TREAS BD ETF 46429B267 929 35,023 SH   SOLE   0 0 35,023
ISHARES TR CORE MSCI INTL 46435G326 1,171 17,528 SH   SOLE   0 0 17,528
ISHARES TR S&P 100 ETF 464287101 321 1,628 SH   SOLE   0 0 1,628
ISHARES TR CORE S&P500 ETF 464287200 985 2,287 SH   SOLE   0 0 2,287
ISHARES TR ISHARES BIOTECH 464287556 305 1,886 SH   SOLE   0 0 1,886
ISHARES TR FLTG RATE NT ETF 46429B655 678 13,332 SH   SOLE   0 0 13,332
ISHARES TR CORE S&P TTL STK 464287150 269 2,735 SH   SOLE   0 0 2,735
ISHARES TR BLACKROCK ULTRA 46434V878 1,815 35,928 SH   SOLE   0 0 35,928
ISHARES TR 0-5YR INVT GR CP 46434V100 432 8,358 SH   SOLE   0 0 8,358
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 308 6,081 SH   SOLE   0 0 6,081
JOHNSON & JOHNSON COM 478160104 838 5,186 SH   SOLE   0 0 5,186
JPMORGAN CHASE & CO COM 46625H100 780 4,763 SH   SOLE   0 0 4,763
LILLY ELI & CO COM 532457108 303 1,312 SH   SOLE   0 0 1,312
LOWES COS INC COM 548661107 269 1,325 SH   SOLE   0 0 1,325
MCDONALDS CORP COM 580135101 230 952 SH   SOLE   0 0 952
MICROSOFT CORP COM 594918104 1,851 6,565 SH   SOLE   0 0 6,565
NORTHROP GRUMMAN CORP COM 666807102 432 1,200 SH   SOLE   0 0 1,200
NVIDIA CORPORATION COM 67066G104 670 3,232 SH   SOLE   0 0 3,232
ORACLE CORP COM 68389X105 746 8,565 SH   SOLE   0 0 8,565
PEPSICO INC COM 713448108 494 3,285 SH   SOLE   0 0 3,285
PFIZER INC COM 717081103 235 5,470 SH   SOLE   0 0 5,470
PIMCO ETF TR 1-5 US TIP IDX 72201R205 302 5,507 SH   SOLE   0 0 5,507
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 608 5,968 SH   SOLE   0 0 5,968
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 209 4,070 SH   SOLE   0 0 4,070
PROCTER AND GAMBLE CO COM 742718109 1,296 9,267 SH   SOLE   0 0 9,267
PUTNAM PREMIER INCOME TR SH BEN INT 746853100 47 10,271 SH   SOLE   0 0 10,271
QUALCOMM INC COM 747525103 231 1,791 SH   SOLE   0 0 1,791
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 491 14,968 SH   SOLE   0 0 14,968
SCHWAB STRATEGIC TR US TIPS ETF 808524870 263 4,207 SH   SOLE   0 0 4,207
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 707 13,111 SH   SOLE   0 0 13,111
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 657 11,586 SH   SOLE   0 0 11,586
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 407 12,636 SH   SOLE   0 0 12,636
SELECT SECTOR SPDR TR ENERGY 81369Y506 545 10,471 SH   SOLE   0 0 10,471
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 638 3,556 SH   SOLE   0 0 3,556
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 244 5,489 SH   SOLE   0 0 5,489
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 472 7,387 SH   SOLE   0 0 7,387
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 223 2,281 SH   SOLE   0 0 2,281
SPDR GOLD TR GOLD SHS 78463V107 253 1,542 SH   SOLE   0 0 1,542
SPDR SER TR NUVEEN BLMBRG SR 78468R739 313 6,334 SH   SOLE   0 0 6,334
UNION PAC CORP COM 907818108 261 1,334 SH   SOLE   0 0 1,334
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 364 4,263 SH   SOLE   0 0 4,263
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 446 5,446 SH   SOLE   0 0 5,446
VANGUARD BD INDEX FDS INTERMED TERM 921937819 226 2,524 SH   SOLE   0 0 2,524
VANGUARD INDEX FDS VALUE ETF 922908744 2,140 15,808 SH   SOLE   0 0 15,808
VANGUARD INDEX FDS TOTAL STK MKT 922908769 649 2,922 SH   SOLE   0 0 2,922
VANGUARD INDEX FDS GROWTH ETF 922908736 2,234 7,698 SH   SOLE   0 0 7,698
VANGUARD INDEX FDS SMALL CP ETF 922908751 536 2,450 SH   SOLE   0 0 2,450
VANGUARD INDEX FDS MID CAP ETF 922908629 402 1,698 SH   SOLE   0 0 1,698
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 322 3,163 SH   SOLE   0 0 3,163
VANGUARD INDEX FDS SM CP VAL ETF 922908611 233 1,375 SH   SOLE   0 0 1,375
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 6,786 129,061 SH   SOLE   0 0 129,061
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 7,624 92,511 SH   SOLE   0 0 92,511
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 1,559 25,392 SH   SOLE   0 0 25,392
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,439 25,829 SH   SOLE   0 0 25,829
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,035 6,737 SH   SOLE   0 0 6,737
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,116 17,640 SH   SOLE   0 0 17,640
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 409 8,109 SH   SOLE   0 0 8,109
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 841 8,137 SH   SOLE   0 0 8,137
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 426 4,879 SH   SOLE   0 0 4,879
VANGUARD WORLD FD MEGA GRWTH IND 921910816 264 1,123 SH   SOLE   0 0 1,123
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 258 1,043 SH   SOLE   0 0 1,043
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 842 4,698 SH   SOLE   0 0 4,698
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 999 5,317 SH   SOLE   0 0 5,317
VANGUARD WORLD FDS INF TECH ETF 92204A702 1,899 4,732 SH   SOLE   0 0 4,732
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 212 683 SH   SOLE   0 0 683
VANGUARD WORLD FDS ENERGY ETF 92204A306 324 4,385 SH   SOLE   0 0 4,385
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 387 4,175 SH   SOLE   0 0 4,175
VERIZON COMMUNICATIONS INC COM 92343V104 394 7,294 SH   SOLE   0 0 7,294
WATERS CORP COM 941848103 322 900 SH   SOLE   0 0 900
WILLIAMS COS INC COM 969457100 210 8,090 SH   SOLE   0 0 8,090