CFS Investment Advisory Services 13F-HR Quarterly holdings report by institutional manager

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

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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
SPDR SER TR	PORTFOLIO S&P500	78464A854	71,520	1,612,985	SH		SOLE		0	0	1,612,985
PACER FDS TR	TRENDP US LAR CP	69374H105	71,126	1,893,672	SH		SOLE		0	0	1,893,672
ISHARES TR	ESG AWR MSCI USA	46435G425	50,409	600,817	SH		SOLE		0	0	600,817
VANGUARD INDEX FDS	GROWTH ETF	922908736	19,138	85,862	SH		SOLE		0	0	85,862
ISHARES TR	EAFE VALUE ETF	464288877	17,560	404,602	SH		SOLE		0	0	404,602
ISHARES TR	RUS 1000 VAL ETF	464287598	16,025	110,539	SH		SOLE		0	0	110,539
ISHARES TR	US TREAS BD ETF	46429B267	15,063	630,257	SH		SOLE		0	0	630,257
ISHARES TR	CORE TOTAL USD	46434V613	13,487	288,059	SH		SOLE		0	0	288,059
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	12,408	259,197	SH		SOLE		0	0	259,197
ISHARES TR	EXPONENTIAL TECH	46434V381	11,953	249,390	SH		SOLE		0	0	249,390
ISHARES TR	EAFE GRWTH ETF	464288885	11,451	142,265	SH		SOLE		0	0	142,265
INVESCO EXCH TRADED FD TR II	S&P EMRNG MKTS	46138E297	9,622	413,664	SH		SOLE		0	0	413,664
PROSHARES TR	S&P 500 DV ARIST	74348A467	9,339	109,412	SH		SOLE		0	0	109,412
SPDR SER TR	PORTFOLIO LN TSR	78464A664	7,436	224,869	SH		SOLE		0	0	224,869
SPDR INDEX SHS FDS	S&P NORTH AMER	78463X152	7,130	144,864	SH		SOLE		0	0	144,864
ISHARES TR	MSCI USA MIN VOL	46429B697	6,873	97,896	SH		SOLE		0	0	97,896
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	6,859	122,921	SH		SOLE		0	0	122,921
DIMENSIONAL ETF TRUST	US CORE EQUITY 2	25434V708	6,747	289,580	SH		SOLE		0	0	289,580
ISHARES U S ETF TR	GSCI CMDTY STGY	46431W853	6,134	149,837	SH		SOLE		0	0	149,837
ISHARES TR	CORE S&P500 ETF	464287200	5,887	15,528	SH		SOLE		0	0	15,528
ISHARES TR	IBOXX INV CP ETF	464287242	5,977	54,325	SH		SOLE		0	0	54,325
ISHARES TR	FALN ANGLS USD	46435G474	5,570	226,222	SH		SOLE		0	0	226,222
APPLE INC	COM	037833100	5,568	40,722	SH		SOLE		0	0	40,722
ISHARES TR	SP SMCP600VL ETF	464287879	5,178	58,160	SH		SOLE		0	0	58,160
ISHARES TR	CORE MSCI EAFE	46432F842	5,034	85,535	SH		SOLE		0	0	85,535
ISHARES TR	CORE HIGH DV ETF	46429B663	4,765	47,444	SH		SOLE		0	0	47,444
ISHARES TR	10-20 YR TRS ETF	464288653	4,272	35,552	SH		SOLE		0	0	35,552
ISHARES TR	CONV BD ETF	46435G102	4,200	60,557	SH		SOLE		0	0	60,557
ISHARES TR	S&P MC 400GR ETF	464287606	4,089	64,167	SH		SOLE		0	0	64,167
ISHARES TR	3 7 YR TREAS BD	464288661	4,106	34,406	SH		SOLE		0	0	34,406
ISHARES TR	MSCI USA QLT FCT	46432F339	4,008	35,874	SH		SOLE		0	0	35,874
JOHNSON & JOHNSON	COM	478160104	3,989	22,470	SH		SOLE		0	0	22,470
ISHARES TR	S&P MC 400VL ETF	464287705	4,005	42,424	SH		SOLE		0	0	42,424
PROCTER AND GAMBLE CO	COM	742718109	3,784	26,317	SH		SOLE		0	0	26,317
ISHARES TR	US INFRASTRUC	46435U713	3,409	100,146	SH		SOLE		0	0	100,146
ISHARES TR	CORE S&P MCP ETF	464287507	3,404	15,046	SH		SOLE		0	0	15,046
SPDR SER TR	NUVEEN BLMBRG MU	78468R721	3,059	66,699	SH		SOLE		0	0	66,699
ALBEMARLE CORP	COM	012653101	3,055	14,618	SH		SOLE		0	0	14,618
ISHARES TR	TIPS BD ETF	464287176	3,049	26,766	SH		SOLE		0	0	26,766
ISHARES INC	MSCI EMERG MRKT	464286533	3,002	54,161	SH		SOLE		0	0	54,161
COCA COLA CO	COM	191216100	2,883	45,835	SH		SOLE		0	0	45,835
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	2,876	134,123	SH		SOLE		0	0	134,123
ABBVIE INC	COM	00287Y109	2,857	18,655	SH		SOLE		0	0	18,655
ISHARES TR	CORE S&P TTL STK	464287150	2,850	34,014	SH		SOLE		0	0	34,014
NUCOR CORP	COM	670346105	2,818	26,985	SH		SOLE		0	0	26,985
ARCHER DANIELS MIDLAND CO	COM	039483102	2,621	33,772	SH		SOLE		0	0	33,772
ISHARES TR	RUS 2000 GRW ETF	464287648	2,671	12,948	SH		SOLE		0	0	12,948
DIMENSIONAL ETF TRUST	CORE FIXED INCOM	25434V872	2,619	60,036	SH		SOLE		0	0	60,036
S&P GLOBAL INC	COM	78409V104	2,606	7,731	SH		SOLE		0	0	7,731
ISHARES TR	MSCI EAFE ETF	464287465	2,638	42,213	SH		SOLE		0	0	42,213
ISHARES TR	MSCI USA MMENTM	46432F396	2,585	18,955	SH		SOLE		0	0	18,955
CINTAS CORP	COM	172908105	2,485	6,652	SH		SOLE		0	0	6,652
SELECT SECTOR SPDR TR	ENERGY	81369Y506	2,443	34,161	SH		SOLE		0	0	34,161
ISHARES TR	MSCI EAFE MIN VL	46429B689	2,426	38,325	SH		SOLE		0	0	38,325
AUTOMATIC DATA PROCESSING IN	COM	053015103	2,358	11,228	SH		SOLE		0	0	11,228
INVESCO QQQ TR	UNIT SER 1	46090E103	2,245	8,011	SH		SOLE		0	0	8,011
LOWES COS INC	COM	548661107	2,201	12,601	SH		SOLE		0	0	12,601
CHUBB LIMITED	COM	H1467J104	2,197	11,178	SH		SOLE		0	0	11,178
ISHARES TR	ESG MSCI LEADR	46435U218	2,184	32,903	SH		SOLE		0	0	32,903
CINCINNATI FINL CORP	COM	172062101	2,182	18,343	SH		SOLE		0	0	18,343
LINDE PLC	SHS	G5494J103	2,175	7,566	SH		SOLE		0	0	7,566
GRAINGER W W INC	COM	384802104	2,152	4,736	SH		SOLE		0	0	4,736
SYSCO CORP	COM	871829107	2,110	24,903	SH		SOLE		0	0	24,903
WALMART INC	COM	931142103	2,106	17,324	SH		SOLE		0	0	17,324
ISHARES TR	CORE DIV GRWTH	46434V621	2,097	44,026	SH		SOLE		0	0	44,026
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	2,133	23,410	SH		SOLE		0	0	23,410
PEPSICO INC	COM	713448108	2,061	12,364	SH		SOLE		0	0	12,364
ISHARES TR	U.S. ENERGY ETF	464287796	2,048	53,717	SH		SOLE		0	0	53,717
MCDONALDS CORP	COM	580135101	2,030	8,221	SH		SOLE		0	0	8,221
ABBOTT LABS	COM	002824100	2,022	18,611	SH		SOLE		0	0	18,611
GENUINE PARTS CO	COM	372460105	2,014	15,146	SH		SOLE		0	0	15,146
SHERWIN WILLIAMS CO	COM	824348106	1,955	8,729	SH		SOLE		0	0	8,729
SPDR SER TR	PORTFOLIO INTRMD	78464A375	1,953	59,862	SH		SOLE		0	0	59,862
AFLAC INC	COM	001055102	1,946	35,175	SH		SOLE		0	0	35,175
GENERAL DYNAMICS CORP	COM	369550108	1,915	8,655	SH		SOLE		0	0	8,655
EXXON MOBIL CORP	COM	30231G102	1,938	22,634	SH		SOLE		0	0	22,634
TARGET CORP	COM	87612E106	1,882	13,322	SH		SOLE		0	0	13,322
BROWN FORMAN CORP	CL B	115637209	1,851	26,379	SH		SOLE		0	0	26,379
DOVER CORP	COM	260003108	1,837	15,139	SH		SOLE		0	0	15,139
ISHARES TR	IBONDS DEC2023	46435G318	1,788	70,099	SH		SOLE		0	0	70,099
EMERSON ELEC CO	COM	291011104	1,761	22,139	SH		SOLE		0	0	22,139
AIR PRODS & CHEMS INC	COM	009158106	1,733	7,208	SH		SOLE		0	0	7,208
ISHARES TR	IBONDS DEC	46435U697	1,725	66,352	SH		SOLE		0	0	66,352
ILLINOIS TOOL WKS INC	COM	452308109	1,725	9,464	SH		SOLE		0	0	9,464
ISHARES INC	CORE MSCI EMKT	46434G103	1,720	35,056	SH		SOLE		0	0	35,056
ISHARES TR	IBONDS DEC2022	46435G755	1,691	65,264	SH		SOLE		0	0	65,264
MCCORMICK & CO INC	COM NON VTG	579780206	1,676	20,132	SH		SOLE		0	0	20,132
SPDR INDEX SHS FDS	PORTFOLIO EMG MK	78463X509	1,635	47,011	SH		SOLE		0	0	47,011
PROSHARES TR	RUSS 2000 DIVD	74347B698	1,612	27,441	SH		SOLE		0	0	27,441
ROPER TECHNOLOGIES INC	COM	776696106	1,612	4,084	SH		SOLE		0	0	4,084
ISHARES TR	IBONDS DEC 25	46435U432	1,536	57,692	SH		SOLE		0	0	57,692
PRICE T ROWE GROUP INC	COM	74144T108	1,498	13,186	SH		SOLE		0	0	13,186
PENTAIR PLC	SHS	G7S00T104	1,489	32,537	SH		SOLE		0	0	32,537
HORMEL FOODS CORP	COM	440452100	1,484	31,345	SH		SOLE		0	0	31,345
ISHARES TR	IBONDS DEC 26	46435U259	1,469	57,961	SH		SOLE		0	0	57,961
COLGATE PALMOLIVE CO	COM	194162103	1,468	18,321	SH		SOLE		0	0	18,321
ISHARES TR	S&P 100 ETF	464287101	1,443	8,364	SH		SOLE		0	0	8,364
BECTON DICKINSON & CO	COM	075887109	1,442	5,851	SH		SOLE		0	0	5,851
VANECK ETF TRUST	INTRMDT MUNI ETF	92189H201	1,394	30,531	SH		SOLE		0	0	30,531
ISHARES TR	GLOBAL TECH ETF	464287291	1,367	29,919	SH		SOLE		0	0	29,919
EXPEDITORS INTL WASH INC	COM	302130109	1,366	14,018	SH		SOLE		0	0	14,018
GOLDMAN SACHS ETF TR	ACTIVEBETA US LG	381430503	1,359	18,131	SH		SOLE		0	0	18,131
SPDR SER TR	PORTFLI TIPS ETF	78464A656	1,357	49,313	SH		SOLE		0	0	49,313
MEDTRONIC PLC	SHS	G5960L103	1,343	14,965	SH		SOLE		0	0	14,965
KIMBERLY-CLARK CORP	COM	494368103	1,321	9,773	SH		SOLE		0	0	9,773
PPG INDS INC	COM	693506107	1,304	11,401	SH		SOLE		0	0	11,401
AMGEN INC	COM	031162100	1,282	5,268	SH		SOLE		0	0	5,268
SMITH A O CORP	COM	831865209	1,258	23,009	SH		SOLE		0	0	23,009
TESLA INC	COM	88160R101	1,218	1,809	SH		SOLE		0	0	1,809
ECOLAB INC	COM	278865100	1,210	7,868	SH		SOLE		0	0	7,868
DIMENSIONAL ETF TRUST	SHORT DURATION F	25434V864	1,208	25,761	SH		SOLE		0	0	25,761
ISHARES TR	MBS ETF	464288588	1,208	12,386	SH		SOLE		0	0	12,386
PROSHARES TR	MSCI EAFE DIVD	74347B839	1,197	34,622	SH		SOLE		0	0	34,622
PFIZER INC	COM	717081103	1,195	22,786	SH		SOLE		0	0	22,786
MICROSOFT CORP	COM	594918104	1,216	4,733	SH		SOLE		0	0	4,733
REALTY INCOME CORP	COM	756109104	1,185	17,364	SH		SOLE		0	0	17,364
SPDR S&P 500 ETF TR	TR UNIT	78462F103	1,153	3,057	SH		SOLE		0	0	3,057
CARDINAL HEALTH INC	COM	14149Y108	1,142	21,854	SH		SOLE		0	0	21,854
ISHARES TR	S&P SML 600 GWT	464287887	1,102	10,467	SH		SOLE		0	0	10,467
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	1,105	4,048	SH		SOLE		0	0	4,048
INVESCO EXCH TRADED FD TR II	S&P MIDCP LOW	46138E198	1,086	21,125	SH		SOLE		0	0	21,125
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	1,134	6,013	SH		SOLE		0	0	6,013
NEXTERA ENERGY INC	COM	65339F101	1,077	13,900	SH		SOLE		0	0	13,900
INVESCO EXCH TRADED FD TR II	FTSE RAFI SML	46138E735	1,059	36,383	SH		SOLE		0	0	36,383
CLOROX CO DEL	COM	189054109	1,026	7,280	SH		SOLE		0	0	7,280
LEGGETT & PLATT INC	COM	524660107	999	28,880	SH		SOLE		0	0	28,880
DIMENSIONAL ETF TRUST	US CORE EQT MKT	25434V104	959	36,303	SH		SOLE		0	0	36,303
STANLEY BLACK & DECKER INC	COM	854502101	945	9,011	SH		SOLE		0	0	9,011
ISHARES TR	20 YR TR BD ETF	464287432	940	8,184	SH		SOLE		0	0	8,184
ISHARES TR	RUS 1000 ETF	464287622	923	4,442	SH		SOLE		0	0	4,442
ISHARES TR	U.S. MED DVC ETF	464288810	896	17,754	SH		SOLE		0	0	17,754
ISHARES TR	IBONDS DEC23 ETF	46434VAX8	892	35,556	SH		SOLE		0	0	35,556
ISHARES TR	IBONDS DEC22 ETF	46434VBA7	883	35,299	SH		SOLE		0	0	35,299
INVESCO EXCH TRADED FD TR II	S&P SMLCP LOW	46138G102	882	19,797	SH		SOLE		0	0	19,797
3M CO	COM	88579Y101	854	6,598	SH		SOLE		0	0	6,598
ISHARES TR	0-5YR HI YL CP	46434V407	849	20,935	SH		SOLE		0	0	20,935
ISHARES TR	U.S. TECH ETF	464287721	845	10,563	SH		SOLE		0	0	10,563
MERCK & CO INC	COM	58933Y105	831	9,110	SH		SOLE		0	0	9,110
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	826	9,680	SH		SOLE		0	0	9,680
AMAZON COM INC	COM	023135106	823	7,746	SH		SOLE		0	0	7,746
ISHARES TR	IBONDS DEC24 ETF	46434VBG4	794	32,069	SH		SOLE		0	0	32,069
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT INC	46641Q837	760	15,165	SH		SOLE		0	0	15,165
PROSHARES TR	S&P MDCP 400 DIV	74347B680	738	10,939	SH		SOLE		0	0	10,939
WEST PHARMACEUTICAL SVSC INC	COM	955306105	729	2,410	SH		SOLE		0	0	2,410
ISHARES TR	S&P 500 GRWT ETF	464287309	727	12,039	SH		SOLE		0	0	12,039
V F CORP	COM	918204108	722	16,357	SH		SOLE		0	0	16,357
PUBLIC SVC ENTERPRISE GRP IN	COM	744573106	704	11,131	SH		SOLE		0	0	11,131
ISHARES TR	IBONDS DEC25 ETF	46434VBD1	688	27,848	SH		SOLE		0	0	27,848
SPDR SER TR	PORTFOLIO SHORT	78464A474	636	21,403	SH		SOLE		0	0	21,403
ISHARES INC	ESG AWR MSCI EM	46434G863	636	19,679	SH		SOLE		0	0	19,679
SPDR SER TR	PORTFOLIO S&P600	78468R853	632	17,556	SH		SOLE		0	0	17,556
SPDR SER TR	PORTFOLIO S&P400	78464A847	627	15,790	SH		SOLE		0	0	15,790
ISHARES TR	US HLTHCARE ETF	464287762	619	2,302	SH		SOLE		0	0	2,302
ALPHABET INC	CAP STK CL A	02079K305	604	277	SH		SOLE		0	0	277
ISHARES TR	EXPANDED TECH	464287515	585	2,169	SH		SOLE		0	0	2,169
BRISTOL-MYERS SQUIBB CO	COM	110122108	585	7,603	SH		SOLE		0	0	7,603
ISHARES U S ETF TR	BLACKROCK SHORT	46431W838	580	11,659	SH		SOLE		0	0	11,659
PROSHARES TR	S&P TECH DIVIDEN	74347G606	550	10,255	SH		SOLE		0	0	10,255
ISHARES TR	IBONDS DEC2026	46435GAA0	546	22,970	SH		SOLE		0	0	22,970
ISHARES TR	CORE MSCI TOTAL	46432F834	542	9,510	SH		SOLE		0	0	9,510
LILLY ELI & CO	COM	532457108	531	1,638	SH		SOLE		0	0	1,638
ISHARES TR	7-10 YR TRSY BD	464287440	527	5,156	SH		SOLE		0	0	5,156
PIMCO ETF TR	1-5 US TIP IDX	72201R205	522	9,979	SH		SOLE		0	0	9,979
M & T BK CORP	COM	55261F104	507	3,179	SH		SOLE		0	0	3,179
ISHARES TR	CORE S&P SCP ETF	464287804	487	5,269	SH		SOLE		0	0	5,269
SPDR SER TR	NUVEEN BLMBRG SH	78468R739	479	10,143	SH		SOLE		0	0	10,143
ISHARES TR	MSCI USA VALUE	46432F388	456	5,034	SH		SOLE		0	0	5,034
ISHARES TR	RUS 1000 GRW ETF	464287614	448	2,050	SH		SOLE		0	0	2,050
ALPHABET INC	CAP STK CL C	02079K107	440	201	SH		SOLE		0	0	201
VANGUARD WORLD FDS	INF TECH ETF	92204A702	518	1,587	SH		SOLE		0	0	1,587
LEGG MASON ETF INVT	FRANKLIN US LOW	52468L406	428	11,372	SH		SOLE		0	0	11,372
CHEVRON CORP NEW	COM	166764100	416	2,873	SH		SOLE		0	0	2,873
UNITEDHEALTH GROUP INC	COM	91324P102	422	821	SH		SOLE		0	0	821
INTERNATIONAL BUSINESS MACHS	COM	459200101	404	2,859	SH		SOLE		0	0	2,859
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	400	2,978	SH		SOLE		0	0	2,978
INVESCO EXCHANGE TRADED FD T	DIVID ACHIEVEV	46137V506	389	11,274	SH		SOLE		0	0	11,274
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	378	2,638	SH		SOLE		0	0	2,638
INVESCO CURRENCYSHARES CDN D	CDN DLR SHS	46138T104	372	4,898	SH		SOLE		0	0	4,898
SPDR SER TR	PORTFOLI S&P1500	78464A805	368	7,907	SH		SOLE		0	0	7,907
VERIZON COMMUNICATIONS INC	COM	92343V104	352	6,942	SH		SOLE		0	0	6,942
META PLATFORMS INC	CL A	30303M102	343	2,127	SH		SOLE		0	0	2,127
SPDR SER TR	MSCI USA STRTGIC	78468R812	333	3,078	SH		SOLE		0	0	3,078
WISDOMTREE TR	US TOTAL DIVIDND	97717W109	327	5,652	SH		SOLE		0	0	5,652
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	326	3,210	SH		SOLE		0	0	3,210
VISA INC	COM CL A	92826C839	312	1,585	SH		SOLE		0	0	1,585
ANALOG DEVICES INC	COM	032654105	304	2,080	SH		SOLE		0	0	2,080
SPDR INDEX SHS FDS	DJ GLB RL ES ETF	78463X749	291	6,597	SH		SOLE		0	0	6,597
QUALCOMM INC	COM	747525103	294	2,300	SH		SOLE		0	0	2,300
DIMENSIONAL ETF TRUST	INTL CORE EQT MK	25434V203	283	11,713	SH		SOLE		0	0	11,713
AT&T INC	COM	00206R102	270	12,900	SH		SOLE		0	0	12,900
ISHARES TR	ESG AWR US AGRGT	46435U549	260	5,304	SH		SOLE		0	0	5,304
SHELL PLC	SPON ADS	780259305	256	4,900	SH		SOLE		0	0	4,900
VANGUARD WORLD FD	ESG US STK ETF	921910733	243	3,665	SH		SOLE		0	0	3,665
APPLIED MATLS INC	COM	038222105	237	2,605	SH		SOLE		0	0	2,605
ISHARES U S ETF TR	BLACKROCK ST MAT	46431W507	234	4,758	SH		SOLE		0	0	4,758
COMCAST CORP NEW	CL A	20030N101	230	5,858	SH		SOLE		0	0	5,858
SELECTIVE INS GROUP INC	COM	816300107	221	2,546	SH		SOLE		0	0	2,546
THERMO FISHER SCIENTIFIC INC	COM	883556102	220	405	SH		SOLE		0	0	405
JPMORGAN CHASE & CO	COM	46625H100	221	1,963	SH		SOLE		0	0	1,963
AXON ENTERPRISE INC	COM	05464C101	210	2,250	SH		SOLE		0	0	2,250
ISHARES TR	CORE MSCI INTL	46435G326	207	3,851	SH		SOLE		0	0	3,851
ISHARES TR	USD INV GRDE ETF	464288620	204	3,998	SH		SOLE		0	0	3,998
WISDOMTREE TR	US ESG FUND	97717W596	203	4,974	SH		SOLE		0	0	4,974
VALLEY NATL BANCORP	COM	919794107	145	13,966	SH		SOLE		0	0	13,966
SIRIUS XM HOLDINGS INC	COM	82968B103	96	15,657	SH		SOLE		0	0	15,657
WIPRO LTD	SPON ADR 1 SH	97651M109	55	10,342	SH		SOLE		0	0	10,342