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   811,234 6,765 SH   SOLE   0 0 6,765
ABBOTT LABS COM 002824100   1,386,471 12,628 SH   SOLE   0 0 12,628
ABBVIE INC COM 00287Y109   1,882,594 11,649 SH   SOLE   0 0 11,649
ACTIVISION BLIZZARD INC COM 00507V109   728,163 9,512 SH   SOLE   0 0 9,512
ADOBE SYSTEMS INCORPORATED COM 00724F101   463,066 1,376 SH   SOLE   0 0 1,376
AFLAC INC COM 001055102   911,336 12,668 SH   SOLE   0 0 12,668
ALPHABET INC CAP STK CL C 02079K107   664,145 7,485 SH   SOLE   0 0 7,485
ALPHABET INC CAP STK CL A 02079K305   694,635 7,873 SH   SOLE   0 0 7,873
AMAZON COM INC COM 023135106   1,450,848 17,272 SH   SOLE   0 0 17,272
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   315,828 5,706 SH   SOLE   0 0 5,706
AMERICAN CENTY ETF TR US SML CP VALU 025072877   1,045,152 14,027 SH   SOLE   0 0 14,027
APPLE INC COM 037833100   4,253,273 32,735 SH   SOLE   0 0 32,735
ARCHER DANIELS MIDLAND CO COM 039483102   1,239,906 13,354 SH   SOLE   0 0 13,354
AT&T INC COM 00206R102   561,654 30,508 SH   SOLE   0 0 30,508
AUTOMATIC DATA PROCESSING IN COM 053015103   536,719 2,247 SH   SOLE   0 0 2,247
BANK AMERICA CORP COM 060505104   1,523,258 45,992 SH   SOLE   0 0 45,992
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   219,319 710 SH   SOLE   0 0 710
BLACKROCK INC COM 09247X101   565,552 798 SH   SOLE   0 0 798
BOEING CO COM 097023105   1,203,757 6,319 SH   SOLE   0 0 6,319
CARDINAL HEALTH INC COM 14149Y108   633,746 8,244 SH   SOLE   0 0 8,244
CHEVRON CORP NEW COM 166764100   1,769,244 9,857 SH   SOLE   0 0 9,857
CINTAS CORP COM 172908105   840,917 1,862 SH   SOLE   0 0 1,862
CISCO SYS INC COM 17275R102   1,213,849 25,480 SH   SOLE   0 0 25,480
COCA COLA CO COM 191216100   207,178 3,257 SH   SOLE   0 0 3,257
CONSTELLATION ENERGY CORP COM 21037T109   374,589 4,345 SH   SOLE   0 0 4,345
COSTCO WHSL CORP NEW COM 22160K105   3,318,299 7,269 SH   SOLE   0 0 7,269
CVS HEALTH CORP COM 126650100   645,434 6,926 SH   SOLE   0 0 6,926
DISNEY WALT CO COM 254687106   894,343 10,294 SH   SOLE   0 0 10,294
DOVER CORP COM 260003108   1,644,591 12,145 SH   SOLE   0 0 12,145
EXELON CORP COM 30161N101   1,759,199 40,694 SH   SOLE   0 0 40,694
EXXON MOBIL CORP COM 30231G102   640,513 5,807 SH   SOLE   0 0 5,807
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   2,529,394 150,559 SH   SOLE   0 0 150,559
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   4,016,618 80,156 SH   SOLE   0 0 80,156
FIRST TR EXCHNG TRADED FD VI TCW UNCONSTRAI 33740F888   3,503,232 145,302 SH   SOLE   0 0 145,302
FLEXSHARES TR MORNSTAR UPSTR 33939L407   848,057 19,509 SH   SOLE   0 0 19,509
FORD MTR CO DEL COM 345370860   525,062 45,147 SH   SOLE   0 0 45,147
GILEAD SCIENCES INC COM 375558103   1,671,500 19,470 SH   SOLE   0 0 19,470
GOLDMAN SACHS GROUP INC COM 38141G104   626,735 1,825 SH   SOLE   0 0 1,825
HOME DEPOT INC COM 437076102   994,079 3,147 SH   SOLE   0 0 3,147
INTEL CORP COM 458140100   1,425,129 53,921 SH   SOLE   0 0 53,921
INTERNATIONAL BUSINESS MACHS COM 459200101   915,767 6,500 SH   SOLE   0 0 6,500
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   2,152,418 192,524 SH   SOLE   0 0 192,524
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870   864,075 38,592 SH   SOLE   0 0 38,592
ISHARES TR CORE S&P500 ETF 464287200   1,180,678 3,073 SH   SOLE   0 0 3,073
ISHARES TR CORE US AGGBD ET 464287226   497,850 5,133 SH   SOLE   0 0 5,133
ISHARES TR IBOXX INV CP ETF 464287242   1,199,794 11,380 SH   SOLE   0 0 11,380
ISHARES TR MSCI EAFE ETF 464287465   2,554,972 38,924 SH   SOLE   0 0 38,924
ISHARES TR RUS MD CP GR ETF 464287481   685,520 8,200 SH   SOLE   0 0 8,200
ISHARES TR RUS 1000 GRW ETF 464287614   1,843,157 8,603 SH   SOLE   0 0 8,603
ISHARES TR CORE S&P SCP ETF 464287804   6,067,595 64,112 SH   SOLE   0 0 64,112
ISHARES TR NATIONAL MUN ETF 464288414   3,373,599 31,971 SH   SOLE   0 0 31,971
ISHARES TR PFD AND INCM SEC 464288687   1,478,777 48,437 SH   SOLE   0 0 48,437
ISHARES TR 0-5YR HI YL CP 46434V407   1,832,609 44,818 SH   SOLE   0 0 44,818
J P MORGAN EXCHANGE TRADED F JPMORGAN DIVER 46641Q407   1,895,881 20,003 SH   SOLE   0 0 20,003
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,133,923 22,620 SH   SOLE   0 0 22,620
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852   1,610,161 35,017 SH   SOLE   0 0 35,017
JOHNSON & JOHNSON COM 478160104   2,009,611 11,376 SH   SOLE   0 0 11,376
JPMORGAN CHASE & CO COM 46625H100   2,086,439 15,559 SH   SOLE   0 0 15,559
LILLY ELI & CO COM 532457108   1,893,252 5,175 SH   SOLE   0 0 5,175
LOWES COS INC COM 548661107   266,982 1,340 SH   SOLE   0 0 1,340
MCDONALDS CORP COM 580135101   2,121,153 8,049 SH   SOLE   0 0 8,049
MCKESSON CORP COM 58155Q103   495,534 1,321 SH   SOLE   0 0 1,321
MEDTRONIC PLC SHS G5960L103   913,988 11,760 SH   SOLE   0 0 11,760
META PLATFORMS INC CL A 30303M102   351,273 2,919 SH   SOLE   0 0 2,919
MICROSOFT CORP COM 594918104   2,586,280 10,784 SH   SOLE   0 0 10,784
NETFLIX INC COM 64110L106   406,640 1,379 SH   SOLE   0 0 1,379
NEXTERA ENERGY INC COM 65339F101   244,363 2,923 SH   SOLE   0 0 2,923
NIKE INC CL B 654106103   1,724,622 14,739 SH   SOLE   0 0 14,739
NVIDIA CORPORATION COM 67066G104   512,222 3,505 SH   SOLE   0 0 3,505
OLD REP INTL CORP COM 680223104   1,263,134 52,304 SH   SOLE   0 0 52,304
ORACLE CORP COM 68389X105   860,046 10,522 SH   SOLE   0 0 10,522
PEPSICO INC COM 713448108   1,959,671 10,847 SH   SOLE   0 0 10,847
PNC FINL SVCS GROUP INC COM 693475105   704,413 4,460 SH   SOLE   0 0 4,460
PRICE T ROWE GROUP INC COM 74144T108   451,291 4,138 SH   SOLE   0 0 4,138
PROCTER AND GAMBLE CO COM 742718109   855,254 5,643 SH   SOLE   0 0 5,643
PRUDENTIAL FINL INC COM 744320102   824,423 8,289 SH   SOLE   0 0 8,289
PUBLIC STORAGE COM 74460D109   280,190 1,000 SH   SOLE   0 0 1,000
QUALCOMM INC COM 747525103   880,988 8,013 SH   SOLE   0 0 8,013
SALESFORCE INC COM 79466L302   660,962 4,985 SH   SOLE   0 0 4,985
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,965,178 125,272 SH   SOLE   0 0 125,272
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   292,794 3,876 SH   SOLE   0 0 3,876
SEMPRA COM 816851109   423,440 2,740 SH   SOLE   0 0 2,740
SK TELECOM LTD SPONSORED ADR 78440P306   290,690 14,118 SH   SOLE   0 0 14,118
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,499,289 11,765 SH   SOLE   0 0 11,765
TEXAS INSTRS INC COM 882508104   245,848 1,488 SH   SOLE   0 0 1,488
THERMO FISHER SCIENTIFIC INC COM 883556102   536,923 975 SH   SOLE   0 0 975
TOYOTA MOTOR CORP ADS 892331307   782,740 5,731 SH   SOLE   0 0 5,731
UNITEDHEALTH GROUP INC COM 91324P102   514,805 971 SH   SOLE   0 0 971
VANECK ETF TRUST EMERGING MRKT HI 92189F353   1,760,416 96,673 SH   SOLE   0 0 96,673
VANECK ETF TRUST FALLEN ANGEL HG 92189F437   786,580 29,111 SH   SOLE   0 0 29,111
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   2,260,498 34,825 SH   SOLE   0 0 34,825
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   334,429 7,051 SH   SOLE   0 0 7,051
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   528,416 1,504 SH   SOLE   0 0 1,504
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,763,795 21,385 SH   SOLE   0 0 21,385
VANGUARD INDEX FDS MID CAP ETF 922908629   907,974 4,455 SH   SOLE   0 0 4,455
VANGUARD INDEX FDS SMALL CP ETF 922908751   717,275 3,908 SH   SOLE   0 0 3,908
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   610,193 15,654 SH   SOLE   0 0 15,654
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   6,417,316 152,902 SH   SOLE   0 0 152,902
VISA INC COM CL A 92826C839   1,355,241 6,523 SH   SOLE   0 0 6,523
WALMART INC COM 931142103   1,869,804 13,187 SH   SOLE   0 0 13,187
WASTE MGMT INC DEL COM 94106L109   363,648 2,318 SH   SOLE   0 0 2,318
WEYERHAEUSER CO MTN BE COM NEW 962166104   223,572 7,212 SH   SOLE   0 0 7,212
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   1,991,943 39,625 SH   SOLE   0 0 39,625
ZIFF DAVIS INC COM 48123V102   680,260 8,600 SH   SOLE   0 0 8,600