Sovereign Financial 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

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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
ALLSTATE CORP	COM	020002101	562	4,060	SH		SOLE		0	0	4,060
AMAZON COM INC	COM	023135106	1,425	437	SH		SOLE		0	0	437
AMERICAN ELEC PWR CO INC	COM	025537101	327	3,280	SH		SOLE		0	0	3,280
AMGEN INC	COM	031162100	257	1,061	SH		SOLE		0	0	1,061
AMPLIFY ETF TR	CWP ENHANCED DIV	032108409	216	5,781	SH		SOLE		0	0	5,781
APPLE INC	COM	037833100	8,967	51,355	SH		SOLE		0	0	51,355
BK OF AMERICA CORP	COM	060505104	1,464	35,517	SH		SOLE		0	0	35,517
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	1,133	3,210	SH		SOLE		0	0	3,210
BOSTON BEER INC	CL A	100557107	233	600	SH		SOLE		0	0	600
BRISTOL-MYERS SQUIBB CO	COM	110122108	879	12,033	SH		SOLE		0	0	12,033
BROOKFIELD ASSET MGMT INC	CL A LTD VT SH	112585104	261	4,615	SH		SOLE		0	0	4,615
CSX CORP	COM	126408103	1,238	33,069	SH		SOLE		0	0	33,069
CVS HEALTH CORP	COM	126650100	308	3,045	SH		SOLE		0	0	3,045
CALAMOS CONV OPPORTUNITIES &	SH BEN INT	128117108	195	14,730	SH		SOLE		0	0	14,730
CALIFORNIA WTR SVC GROUP	COM	130788102	629	10,606	SH		SOLE		0	0	10,606
CATERPILLAR INC	COM	149123101	359	1,613	SH		SOLE		0	0	1,613
CHEVRON CORP NEW	COM	166764100	393	2,412	SH		SOLE		0	0	2,412
CHURCH & DWIGHT CO INC	COM	171340102	1,555	15,645	SH		SOLE		0	0	15,645
COCA COLA CO	COM	191216100	478	7,703	SH		SOLE		0	0	7,703
COLGATE PALMOLIVE CO	COM	194162103	267	3,519	SH		SOLE		0	0	3,519
COMMERCIAL METALS CO	COM	201723103	416	10,000	SH		SOLE		0	0	10,000
CONSOLIDATED EDISON INC	COM	209115104	1,761	18,597	SH		SOLE		0	0	18,597
DEERE & CO	COM	244199105	763	1,837	SH		SOLE		0	0	1,837
DISNEY WALT CO	COM	254687106	302	2,203	SH		SOLE		0	0	2,203
DOCUSIGN INC	COM	256163106	613	5,727	SH		SOLE		0	0	5,727
ESSEX PPTY TR INC	COM	297178105	373	1,081	SH		SOLE		0	0	1,081
FS KKR CAP CORP	COM	302635206	462	20,254	SH		SOLE		0	0	20,254
FIDELITY COVINGTON TRUST	LOW VOLITY ETF	316092824	250	5,000	SH		SOLE		0	0	5,000
FORD MTR CO DEL	COM	345370860	257	15,171	SH		SOLE		0	0	15,171
GENERAL ELECTRIC CO	COM NEW	369604301	828	9,052	SH		SOLE		0	0	9,052
GENERAL MLS INC	COM	370334104	1,581	23,349	SH		SOLE		0	0	23,349
GOLDMAN SACHS ETF TR	ACCESS HIG YLD	381430453	456	9,644	SH		SOLE		0	0	9,644
HOME DEPOT INC	COM	437076102	1,096	3,662	SH		SOLE		0	0	3,662
HONEYWELL INTL INC	COM	438516106	202	1,036	SH		SOLE		0	0	1,036
HORMEL FOODS CORP	COM	440452100	971	18,844	SH		SOLE		0	0	18,844
HUBBELL INC	COM	443510607	241	1,314	SH		SOLE		0	0	1,314
ICAHN ENTERPRISES LP	DEPOSITARY UNIT	451100101	253	4,875	SH		SOLE		0	0	4,875
INTEL CORP	COM	458140100	402	8,110	SH		SOLE		0	0	8,110
INTERNATIONAL BUSINESS MACHS	COM	459200101	302	2,320	SH		SOLE		0	0	2,320
ISHARES TR	TIPS BD ETF	464287176	2,586	20,763	SH		SOLE		0	0	20,763
ISHARES TR	CORE S&P500 ETF	464287200	8,966	19,763	SH		SOLE		0	0	19,763
ISHARES TR	CORE US AGGBD ET	464287226	2,077	19,397	SH		SOLE		0	0	19,397
ISHARES TR	GLOBAL TECH ETF	464287291	213	3,675	SH		SOLE		0	0	3,675
ISHARES TR	1 3 YR TREAS BD	464287457	294	3,530	SH		SOLE		0	0	3,530
ISHARES TR	MSCI EAFE ETF	464287465	501	6,809	SH		SOLE		0	0	6,809
ISHARES TR	RUS MDCP VAL ETF	464287473	394	3,293	SH		SOLE		0	0	3,293
ISHARES TR	CORE S&P MCP ETF	464287507	1,872	6,976	SH		SOLE		0	0	6,976
ISHARES TR	ISHARES BIOTECH	464287556	912	6,996	SH		SOLE		0	0	6,996
ISHARES TR	RUS 1000 VAL ETF	464287598	506	3,048	SH		SOLE		0	0	3,048
ISHARES TR	RUS 1000 GRW ETF	464287614	503	1,812	SH		SOLE		0	0	1,812
ISHARES TR	RUSSELL 2000 ETF	464287655	488	2,379	SH		SOLE		0	0	2,379
ISHARES TR	CORE S&P US VLU	464287663	1,877	24,742	SH		SOLE		0	0	24,742
ISHARES TR	CORE S&P US GWT	464287671	1,516	14,352	SH		SOLE		0	0	14,352
ISHARES TR	U.S. ENERGY ETF	464287796	342	8,362	SH		SOLE		0	0	8,362
ISHARES TR	CORE S&P SCP ETF	464287804	1,572	14,574	SH		SOLE		0	0	14,574
ISHARES TR	RESIDENTIAL MULT	464288562	1,121	11,684	SH		SOLE		0	0	11,684
ISHARES TR	ISHS 1-5YR INVS	464288646	2,708	52,356	SH		SOLE		0	0	52,356
ISHARES TR	EAFE VALUE ETF	464288877	778	15,489	SH		SOLE		0	0	15,489
ISHARES TR	EAFE GRWTH ETF	464288885	443	4,603	SH		SOLE		0	0	4,603
ISHARES TR	AGGRES ALLOC ETF	464289859	1,448	20,998	SH		SOLE		0	0	20,998
ISHARES TR	GRWT ALLOCAT ETF	464289867	696	12,904	SH		SOLE		0	0	12,904
ISHARES TR	MODERT ALLOC ETF	464289875	864	20,108	SH		SOLE		0	0	20,108
JOHNSON & JOHNSON	COM	478160104	637	3,595	SH		SOLE		0	0	3,595
KELLOGG CO	COM	487836108	619	9,596	SH		SOLE		0	0	9,596
KIMBERLY-CLARK CORP	COM	494368103	1,211	9,837	SH		SOLE		0	0	9,837
MCCORMICK & CO INC	COM NON VTG	579780206	461	4,616	SH		SOLE		0	0	4,616
MICROSOFT CORP	COM	594918104	2,701	8,761	SH		SOLE		0	0	8,761
MICRON TECHNOLOGY INC	COM	595112103	412	5,291	SH		SOLE		0	0	5,291
NEW JERSEY RES CORP	COM	646025106	271	5,900	SH		SOLE		0	0	5,900
NORFOLK SOUTHN CORP	COM	655844108	292	1,025	SH		SOLE		0	0	1,025
PEPSICO INC	COM	713448108	611	3,650	SH		SOLE		0	0	3,650
PFIZER INC	COM	717081103	745	14,393	SH		SOLE		0	0	14,393
PHILIP MORRIS INTL INC	COM	718172109	298	3,172	SH		SOLE		0	0	3,172
PROCTER AND GAMBLE CO	COM	742718109	479	3,136	SH		SOLE		0	0	3,136
PUBLIC SVC ENTERPRISE GRP IN	COM	744573106	539	7,705	SH		SOLE		0	0	7,705
REALTY INCOME CORP	COM	756109104	300	4,334	SH		SOLE		0	0	4,334
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	384	7,196	SH		SOLE		0	0	7,196
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	4,057	54,227	SH		SOLE		0	0	54,227
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	2,601	36,436	SH		SOLE		0	0	36,436
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	351	7,410	SH		SOLE		0	0	7,410
SCHWAB STRATEGIC TR	SHT TM US TRES	808524862	662	13,356	SH		SOLE		0	0	13,356
SOUTHERN CO	COM	842587107	2,946	40,624	SH		SOLE		0	0	40,624
SOUTHWEST AIRLS CO	COM	844741108	371	8,096	SH		SOLE		0	0	8,096
STARBUCKS CORP	COM	855244109	308	3,384	SH		SOLE		0	0	3,384
TEXAS INSTRS INC	COM	882508104	224	1,220	SH		SOLE		0	0	1,220
UNITED PARCEL SERVICE INC	CL B	911312106	6,152	28,687	SH		SOLE		0	0	28,687
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	2,776	17,117	SH		SOLE		0	0	17,117
VANGUARD STAR FDS	VG TL INTL STK F	921909768	447	7,485	SH		SOLE		0	0	7,485
VANGUARD WORLD FD	MEGA GRWTH IND	921910816	3,697	15,705	SH		SOLE		0	0	15,705
VANGUARD ADMIRAL FDS INC	SMLCP 600 VAL	921932778	375	2,114	SH		SOLE		0	0	2,114
VANGUARD ADMIRAL FDS INC	SMLLCP 600 IDX	921932828	665	3,360	SH		SOLE		0	0	3,360
VANGUARD WELLINGTON FD	US VALUE FACTR	921935805	1,733	16,239	SH		SOLE		0	0	16,239
VANGUARD BD INDEX FDS	LONG TERM BOND	921937793	2,451	26,732	SH		SOLE		0	0	26,732
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	2,457	30,004	SH		SOLE		0	0	30,004
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	6,565	84,270	SH		SOLE		0	0	84,270
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	1,022	12,854	SH		SOLE		0	0	12,854
VANGUARD TAX-MANAGED INTL FD	FTSE DEV MKT ETF	921943858	10,836	225,605	SH		SOLE		0	0	225,605
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	3,056	27,222	SH		SOLE		0	0	27,222
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	5,480	107,006	SH		SOLE		0	0	107,006
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	3,479	75,410	SH		SOLE		0	0	75,410
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	972	18,856	SH		SOLE		0	0	18,856
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	6,615	15,932	SH		SOLE		0	0	15,932
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	1,390	12,828	SH		SOLE		0	0	12,828
VANGUARD INDEX FDS	MID CAP ETF	922908629	1,782	7,491	SH		SOLE		0	0	7,491
VANGUARD INDEX FDS	GROWTH ETF	922908736	4,608	16,022	SH		SOLE		0	0	16,022
VANGUARD INDEX FDS	VALUE ETF	922908744	3,855	26,083	SH		SOLE		0	0	26,083
VANGUARD INDEX FDS	SMALL CP ETF	922908751	3,879	18,252	SH		SOLE		0	0	18,252
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	430	1,887	SH		SOLE		0	0	1,887
WALMART INC	COM	931142103	213	1,433	SH		SOLE		0	0	1,433
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	778	7,853	SH		SOLE		0	0	7,853
INVESCO QQQ TR	UNIT SER 1	46090E103	6,335	17,473	SH		SOLE		0	0	17,473
TARGET CORP	COM	87612E106	379	1,788	SH		SOLE		0	0	1,788
TRAVELERS COMPANIES INC	COM	89417E109	202	1,108	SH		SOLE		0	0	1,108
AT&T INC	COM	00206R102	904	38,269	SH		SOLE		0	0	38,269
ARK ETF TR	INNOVATION ETF	00214Q104	772	11,644	SH		SOLE		0	0	11,644
ARK ETF TR	NEXT GNRTN INTER	00214Q401	229	2,626	SH		SOLE		0	0	2,626
ABBVIE INC	COM	00287Y109	268	1,651	SH		SOLE		0	0	1,651
ABRDN GOLD ETF TRUST	PHYSCL GOLD SHS	00326A104	449	24,172	SH		SOLE		0	0	24,172
ACTIVISION BLIZZARD INC	COM	00507V109	203	2,535	SH		SOLE		0	0	2,535
ALPHABET INC	CAP STK CL C	02079K107	4,542	1,626	SH		SOLE		0	0	1,626
ALPHABET INC	CAP STK CL A	02079K305	1,622	583	SH		SOLE		0	0	583
ALPHABET INC	CAP STK CL C	02079K957	251	1,300	SH		SOLE		0	0	1,300
ALTRIA GROUP INC	COM	02209S103	379	7,251	SH		SOLE		0	0	7,251
BLACKSTONE INC	COM	09260D107	476	3,746	SH		SOLE		0	0	3,746
CARRIER GLOBAL CORPORATION	COM	14448C104	318	6,933	SH		SOLE		0	0	6,933
CISCO SYS INC	COM	17275R102	305	5,469	SH		SOLE		0	0	5,469
COMCAST CORP NEW	CL A	20030N101	204	4,361	SH		SOLE		0	0	4,361
COSTCO WHSL CORP NEW	COM	22160K105	781	1,357	SH		SOLE		0	0	1,357
DEVON ENERGY CORP NEW	COM	25179M103	411	6,959	SH		SOLE		0	0	6,959
DOMINION ENERGY INC	COM	25746U109	1,107	13,034	SH		SOLE		0	0	13,034
EPAM SYS INC	COM	29414B104	308	1,037	SH		SOLE		0	0	1,037
EVERSOURCE ENERGY	COM	30040W108	302	3,421	SH		SOLE		0	0	3,421
EXXON MOBIL CORP	COM	30231G102	1,129	13,669	SH		SOLE		0	0	13,669
META PLATFORMS INC	CL A	30303M102	265	1,194	SH		SOLE		0	0	1,194
FIRST TR EXCHANGE-TRADED FD	RISNG DIVD ACHIV	33738R506	2,554	52,119	SH		SOLE		0	0	52,119
FIRST TR EXCH TRADED FD III	MANAGD MUN ETF	33739N108	451	8,495	SH		SOLE		0	0	8,495
FIRST TR EXCHANGE-TRADED FD	FST LOW OPPT EFT	33739Q200	706	14,429	SH		SOLE		0	0	14,429
FIRST TR EXCHNG TRADED FD VI	CBOE VEST US EQT	33740F714	293	8,514	SH		SOLE		0	0	8,514
FIRST TR EXCHNG TRADED FD VI	CBOE VEST US EQT	33740F722	259	6,856	SH		SOLE		0	0	6,856
FIRST TR EXCHNG TRADED FD VI	US EQT BUFFER	33740F763	2,252	58,935	SH		SOLE		0	0	58,935
FIRST TR EXCHNG TRADED FD VI	US EQT DEEP DUFR	33740F771	1,526	42,624	SH		SOLE		0	0	42,624
HIGHLAND GLOBAL ALLOCATION F	COM	43010T104	904	91,772	SH		SOLE		0	0	91,772
IDEXX LABS INC	COM	45168D104	440	805	SH		SOLE		0	0	805
INVESCO ACTIVELY MANAGED ETF	ULTRA SHRT DUR	46090A887	1,125	22,585	SH		SOLE		0	0	22,585
INVESCO EXCHANGE TRADED FD T	HIG YLD EQ DIV	46137V563	490	22,459	SH		SOLE		0	0	22,459
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1000	46137V613	495	2,896	SH		SOLE		0	0	2,896
INVESCO EXCHANGE TRADED FD T	DWA MOMENTUM	46137V837	2,281	28,159	SH		SOLE		0	0	28,159
ISHARES TR	US TREAS BD ETF	46429B267	533	21,402	SH		SOLE		0	0	21,402
ISHARES TR	MSCI EAFE MIN VL	46429B689	215	2,983	SH		SOLE		0	0	2,983
ISHARES TR	MSCI USA MIN VOL	46429B697	1,676	21,607	SH		SOLE		0	0	21,607
ISHARES U S ETF TR	BLACKROCK ST MAT	46431W507	1,238	24,979	SH		SOLE		0	0	24,979
ISHARES U S ETF TR	BLACKROCK SHORT	46431W838	422	8,487	SH		SOLE		0	0	8,487
ISHARES U S ETF TR	GSCI CMDTY STGY	46431W853	329	8,213	SH		SOLE		0	0	8,213
ISHARES TR	MSCI USA VALUE	46432F388	219	2,094	SH		SOLE		0	0	2,094
ISHARES TR	MSCI USA MMENTM	46432F396	760	4,514	SH		SOLE		0	0	4,514
ISHARES TR	CORE MSCI EAFE	46432F842	2,396	34,468	SH		SOLE		0	0	34,468
ISHARES TR	CORE 1 5 YR USD	46432F859	330	6,809	SH		SOLE		0	0	6,809
ISHARES INC	CORE MSCI EMKT	46434G103	676	12,166	SH		SOLE		0	0	12,166
ISHARES INC	ESG AWR MSCI EM	46434G863	353	9,613	SH		SOLE		0	0	9,613
ISHARES TR	0-5YR HI YL CP	46434V407	376	8,557	SH		SOLE		0	0	8,557
ISHARES TR	CORE TOTAL USD	46434V613	806	16,231	SH		SOLE		0	0	16,231
ISHARES TR	ESG AWR MSCI USA	46435G425	1,801	17,774	SH		SOLE		0	0	17,774
ISHARES TR	MSCI USA SMCP MN	46435G433	525	14,121	SH		SOLE		0	0	14,121
ISHARES TR	BROAD USD HIGH	46435U853	558	14,354	SH		SOLE		0	0	14,354
JPMORGAN CHASE & CO	COM	46625H100	533	3,908	SH		SOLE		0	0	3,908
J P MORGAN EXCHANGE-TRADED F	ULTRA SHRT INC	46641Q837	1,139	22,659	SH		SOLE		0	0	22,659
JOHN HANCOCK EXCHANGE TRADED	MULTIFACTOR MI	47804J206	714	13,587	SH		SOLE		0	0	13,587
MAINSTAY MACKAY DEFINEDTERM	COM	56064K100	217	11,567	SH		SOLE		0	0	11,567
MASTERCARD INCORPORATED	CL A	57636Q104	1,820	5,094	SH		SOLE		0	0	5,094
MERCK & CO INC	COM	58933Y105	330	4,028	SH		SOLE		0	0	4,028
NEXTERA ENERGY INC	COM	65339F101	599	7,072	SH		SOLE		0	0	7,072
NEXPOINT DIVERSIFIED REL ET	COM NEW	65340G205	1,146	72,452	SH		SOLE		0	0	72,452
NVIDIA CORPORATION	COM	67066G104	681	2,495	SH		SOLE		0	0	2,495
NUVEEN CR STRATEGIES INCOME	COM SHS	67073D102	82	13,204	SH		SOLE		0	0	13,204
OSI ETF TR	OSHARES US QUALT	67110P407	934	21,230	SH		SOLE		0	0	21,230
OPKO HEALTH INC	COM	68375N103	69	20,000	SH		SOLE		0	0	20,000
OTIS WORLDWIDE CORP	COM	68902V107	468	6,084	SH		SOLE		0	0	6,084
PACER FDS TR	TRENDP US LAR CP	69374H105	227	5,837	SH		SOLE		0	0	5,837
PETROLEO BRASILEIRO SA PETRO	SPONSORED ADR	71654V408	156	10,517	SH		SOLE		0	0	10,517
PROSHARES TR II	ULTRA BLOOMBERG	74347Y870	470	8,355	SH		SOLE		0	0	8,355
PROSHARES TR II	ULTA BLMBG 2017	74347Y888	290	1,890	SH		SOLE		0	0	1,890
PROSHARES TR	S&P 500 DV ARIST	74348A467	330	3,472	SH		SOLE		0	0	3,472
PUBLIC STORAGE	COM	74460D109	372	952	SH		SOLE		0	0	952
RINGCENTRAL INC	CL A	76680R206	267	2,281	SH		SOLE		0	0	2,281
SPDR S&P 500 ETF TR	TR UNIT	78462F103	15,951	35,318	SH		SOLE		0	0	35,318
SPDR GOLD TR	GOLD SHS	78463V107	845	4,676	SH		SOLE		0	0	4,676
SPDR INDEX SHS FDS	DJ GLB RL ES ETF	78463X749	210	3,894	SH		SOLE		0	0	3,894
SPDR SER TR	PRTFLO S&P500 GW	78464A409	1,914	28,907	SH		SOLE		0	0	28,907
SPDR SER TR	S&P DIVID ETF	78464A763	253	1,977	SH		SOLE		0	0	1,977
SPDR SER TR	PORTFOLIO S&P400	78464A847	433	9,186	SH		SOLE		0	0	9,186
SPDR SER TR	PORTFOLIO S&P500	78464A854	977	18,383	SH		SOLE		0	0	18,383
SPDR DOW JONES INDL AVERAGE	UT SER 1	78467X109	282	812	SH		SOLE		0	0	812
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	1,947	3,969	SH		SOLE		0	0	3,969
SPDR SER TR	PRTFLO S&P500 HI	78468R788	460	10,472	SH		SOLE		0	0	10,472
SPDR SER TR	PORTFOLIO S&P600	78468R853	1,192	28,344	SH		SOLE		0	0	28,344
SALESFORCE COM INC	COM	79466L302	360	1,695	SH		SOLE		0	0	1,695
SELECT SECTOR SPDR TR	ENERGY	81369Y506	513	6,709	SH		SOLE		0	0	6,709
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	333	2,097	SH		SOLE		0	0	2,097
SEELOS THERAPEUTICS INC	COM	81577F109	63	75,000	SH		SOLE		0	0	75,000
SHOPIFY INC	CL A	82509L107	431	637	SH		SOLE		0	0	637
SIRIUS XM HOLDINGS INC	COM	82968B103	101	15,227	SH		SOLE		0	0	15,227
TELLURIAN INC NEW	COM	87968A104	61	11,600	SH		SOLE		0	0	11,600
TESLA INC	COM	88160R101	255	237	SH		SOLE		0	0	237
UNITEDHEALTH GROUP INC	COM	91324P102	827	1,622	SH		SOLE		0	0	1,622
VANECK ETF TRUST	SEMICONDUCTR ETF	92189F676	2,503	9,279	SH		SOLE		0	0	9,279
VANGUARD CHARLOTTE FDS	TOTAL INT BD ETF	92203J407	5,613	107,029	SH		SOLE		0	0	107,029
VANGUARD WORLD FDS	INF TECH ETF	92204A702	288	692	SH		SOLE		0	0	692
VANGUARD WORLD FDS	UTILITIES ETF	92204A876	802	4,955	SH		SOLE		0	0	4,955
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	1,978	25,332	SH		SOLE		0	0	25,332
VANGUARD SCOTTSDALE FDS	MTG-BKD SECS ETF	92206C771	2,499	49,881	SH		SOLE		0	0	49,881
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	277	3,218	SH		SOLE		0	0	3,218
VERIZON COMMUNICATIONS INC	COM	92343V104	568	11,141	SH		SOLE		0	0	11,141
VICTORY PORTFOLIOS II	VICTORYSHS INTRM	92647N527	855	17,180	SH		SOLE		0	0	17,180
VISA INC	COM CL A	92826C839	1,069	4,822	SH		SOLE		0	0	4,822
WP CAREY INC	COM	92936U109	429	5,312	SH		SOLE		0	0	5,312
WISDOMTREE TR	EMG MKTS SMCAP	97717W281	1,390	26,074	SH		SOLE		0	0	26,074
WISDOMTREE TR	EUROPE SMCP DV	97717W869	1,693	25,195	SH		SOLE		0	0	25,195