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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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	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
ABBVIE INC	COM	00287Y109	413,191	3,067	SH		SOLE		0	0	3,067
ABRDN GOLD ETF TRUST	PHYSCL GOLD SHS	00326A104	442,901	24,110	SH		SOLE		0	0	24,110
ACTIVISION BLIZZARD INC	COM	00507V109	221,962	2,633	SH		SOLE		0	0	2,633
ADOBE SYSTEMS INCORPORATED	COM	00724F101	1,020,033	2,086	SH		SOLE		0	0	2,086
ADVANCED MICRO DEVICES INC	COM	007903107	316,100	2,775	SH		SOLE		0	0	2,775
ALLSTATE CORP	COM	020002101	567,452	5,204	SH		SOLE		0	0	5,204
ALPHABET INC	CAP STK CL A	02079K305	2,874,117	24,011	SH		SOLE		0	0	24,011
ALPHABET INC	CAP STK CL C	02079K107	6,997,588	57,846	SH		SOLE		0	0	57,846
ALPS ETF TR	OSHARES US QUALT	00162Q387	962,383	21,877	SH		SOLE		0	0	21,877
ALTRIA GROUP INC	COM	02209S103	471,749	10,414	SH		SOLE		0	0	10,414
AMAZON COM INC	COM	023135106	2,145,335	16,457	SH		SOLE		0	0	16,457
AMERICAN ELEC PWR CO INC	COM	025537101	341,094	4,051	SH		SOLE		0	0	4,051
AMERICAN EXPRESS CO	COM	025816109	231,591	1,329	SH		SOLE		0	0	1,329
AMGEN INC	COM	031162100	311,050	1,401	SH		SOLE		0	0	1,401
APPLE INC	COM	037833100	10,989,784	56,657	SH		SOLE		0	0	56,657
ARK ETF TR	INNOVATION ETF	00214Q104	490,650	11,116	SH		SOLE		0	0	11,116
AT&T INC	COM	00206R102	633,722	39,732	SH		SOLE		0	0	39,732
BANK AMERICA CORP	COM	060505104	1,271,258	44,310	SH		SOLE		0	0	44,310
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	1,055,736	3,096	SH		SOLE		0	0	3,096
BLACKSTONE INC	COM	09260D107	549,546	5,911	SH		SOLE		0	0	5,911
BRISTOL-MYERS SQUIBB CO	COM	110122108	994,103	15,545	SH		SOLE		0	0	15,545
BROADCOM INC	COM	11135F101	434,582	501	SH		SOLE		0	0	501
CALAMOS CONV OPPORTUNITIES &	SH BEN INT	128117108	152,656	13,630	SH		SOLE		0	0	13,630
CALIFORNIA WTR SVC GROUP	COM	130788102	638,715	12,371	SH		SOLE		0	0	12,371
CARRIER GLOBAL CORPORATION	COM	14448C104	379,238	7,629	SH		SOLE		0	0	7,629
CATERPILLAR INC	COM	149123101	451,567	1,835	SH		SOLE		0	0	1,835
CHEVRON CORP NEW	COM	166764100	711,643	4,523	SH		SOLE		0	0	4,523
CHURCH & DWIGHT CO INC	COM	171340102	1,668,830	16,650	SH		SOLE		0	0	16,650
CISCO SYS INC	COM	17275R102	601,728	11,630	SH		SOLE		0	0	11,630
COCA COLA CO	COM	191216100	673,383	11,182	SH		SOLE		0	0	11,182
COLGATE PALMOLIVE CO	COM	194162103	307,929	3,997	SH		SOLE		0	0	3,997
COMCAST CORP NEW	CL A	20030N101	232,717	5,601	SH		SOLE		0	0	5,601
COMMERCIAL METALS CO	COM	201723103	531,866	10,100	SH		SOLE		0	0	10,100
COMMUNITY BK SYS INC	COM	203607106	342,036	7,296	SH		SOLE		0	0	7,296
CONSOLIDATED EDISON INC	COM	209115104	1,731,534	19,154	SH		SOLE		0	0	19,154
COSTCO WHSL CORP NEW	COM	22160K105	1,001,952	1,861	SH		SOLE		0	0	1,861
CSX CORP	COM	126408103	1,367,376	40,099	SH		SOLE		0	0	40,099
CUMMINS INC	COM	231021106	239,276	976	SH		SOLE		0	0	976
CVS HEALTH CORP	COM	126650100	244,444	3,536	SH		SOLE		0	0	3,536
DEERE & CO	COM	244199105	889,077	2,194	SH		SOLE		0	0	2,194
DIMENSIONAL ETF TRUST	INTERNATNAL VAL	25434V807	543,720	16,552	SH		SOLE		0	0	16,552
DISNEY WALT CO	COM	254687106	341,496	3,825	SH		SOLE		0	0	3,825
DOCUSIGN INC	COM	256163106	228,730	4,477	SH		SOLE		0	0	4,477
DOMINION ENERGY INC	COM	25746U109	855,623	16,521	SH		SOLE		0	0	16,521
EATON CORP PLC	SHS	G29183103	212,824	1,058	SH		SOLE		0	0	1,058
EVERSOURCE ENERGY	COM	30040W108	267,540	3,772	SH		SOLE		0	0	3,772
EXXON MOBIL CORP	COM	30231G102	2,141,783	19,970	SH		SOLE		0	0	19,970
FIDELITY COVINGTON TRUST	LOW VOLITY ETF	316092824	250,550	5,000	SH		SOLE		0	0	5,000
FIRST TR EXCH TRADED FD III	MANAGD MUN ETF	33739N108	304,887	6,016	SH		SOLE		0	0	6,016
FIRST TR EXCHANGE-TRADED FD	FST LOW OPPT EFT	33739Q200	632,256	13,263	SH		SOLE		0	0	13,263
FIRST TR EXCHANGE-TRADED FD	RISNG DIVD ACHIV	33738R506	3,010,440	63,916	SH		SOLE		0	0	63,916
FIRST TR EXCHNG TRADED FD VI	US EQT DEEP DUFR	33740F771	1,358,204	38,400	SH		SOLE		0	0	38,400
FIRST TR EXCHNG TRADED FD VI	US EQT BUFFER	33740F763	1,417,051	35,573	SH		SOLE		0	0	35,573
FIRST TR EXCHNG TRADED FD VI	CBOE VEST US EQT	33740F714	348,408	9,665	SH		SOLE		0	0	9,665
FIRST TR EXCHNG TRADED FD VI	CBOE VEST US EQT	33740F722	284,113	6,856	SH		SOLE		0	0	6,856
FIRST TR VALUE LINE DIVID IN	SHS	33734H106	356,721	8,898	SH		SOLE		0	0	8,898
FORD MTR CO DEL	COM	345370860	215,587	14,249	SH		SOLE		0	0	14,249
FS KKR CAP CORP	COM	302635206	341,116	17,785	SH		SOLE		0	0	17,785
GENERAL ELECTRIC CO	COM NEW	369604301	1,016,741	9,256	SH		SOLE		0	0	9,256
GENERAL MLS INC	COM	370334104	1,833,519	23,905	SH		SOLE		0	0	23,905
GOLDMAN SACHS ETF TR	ACCESS HIG YLD	381430453	456,321	10,622	SH		SOLE		0	0	10,622
HIGHLAND GLOBAL ALLOCATION F	COM	43010T104	1,187,461	137,279	SH		SOLE		0	0	137,279
HOME DEPOT INC	COM	437076102	1,334,821	4,297	SH		SOLE		0	0	4,297
HONEYWELL INTL INC	COM	438516106	395,703	1,907	SH		SOLE		0	0	1,907
HORMEL FOODS CORP	COM	440452100	752,999	18,722	SH		SOLE		0	0	18,722
HUBBELL INC	COM	443510607	430,033	1,297	SH		SOLE		0	0	1,297
IDEXX LABS INC	COM	45168D104	405,300	807	SH		SOLE		0	0	807
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C508	341,655	9,731	SH		SOLE		0	0	9,731
INNOVATOR ETFS TR	US EQTY PWR BF	45782C680	341,234	10,937	SH		SOLE		0	0	10,937
INTEL CORP	COM	458140100	362,490	10,840	SH		SOLE		0	0	10,840
INTERNATIONAL BUSINESS MACHS	COM	459200101	559,529	4,182	SH		SOLE		0	0	4,182
INVESCO ACTIVELY MANAGED ETF	ULTRA SHRT DUR	46090A887	862,694	17,379	SH		SOLE		0	0	17,379
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1000	46137V613	739,698	4,520	SH		SOLE		0	0	4,520
INVESCO EXCHANGE TRADED FD T	HIG YLD EQ DIV	46137V563	471,607	24,537	SH		SOLE		0	0	24,537
INVESCO EXCHANGE TRADED FD T	DWA MOMENTUM	46137V837	2,278,257	28,116	SH		SOLE		0	0	28,116
INVESCO QQQ TR	UNIT SER 1	46090E103	8,612,984	23,315	SH		SOLE		0	0	23,315
ISHARES INC	MSCI EMERG MRKT	464286533	349,893	6,364	SH		SOLE		0	0	6,364
ISHARES INC	CORE MSCI EMKT	46434G103	1,732,325	35,146	SH		SOLE		0	0	35,146
ISHARES TR	CORE MSCI EAFE	46432F842	1,531,768	22,693	SH		SOLE		0	0	22,693
ISHARES TR	CORE 1 5 YR USD	46432F859	274,756	5,891	SH		SOLE		0	0	5,891
ISHARES TR	US TREAS BD ETF	46429B267	866,398	37,834	SH		SOLE		0	0	37,834
ISHARES TR	MSCI USA MMENTM	46432F396	813,426	5,639	SH		SOLE		0	0	5,639
ISHARES TR	CORE DIV GRWTH	46434V621	955,160	18,536	SH		SOLE		0	0	18,536
ISHARES TR	CORE TOTAL USD	46434V613	3,061,760	67,336	SH		SOLE		0	0	67,336
ISHARES TR	MSCI USA QLT FCT	46432F339	1,913,687	14,189	SH		SOLE		0	0	14,189
ISHARES TR	MSCI USA SMCP MN	46435G433	314,096	9,163	SH		SOLE		0	0	9,163
ISHARES TR	ESG AWR MSCI USA	46435G425	1,514,983	15,545	SH		SOLE		0	0	15,545
ISHARES TR	NATIONAL MUN ETF	464288414	220,291	2,064	SH		SOLE		0	0	2,064
ISHARES TR	RESIDENTIAL MULT	464288562	1,618,470	22,089	SH		SOLE		0	0	22,089
ISHARES TR	MODERT ALLOC ETF	464289875	738,120	18,266	SH		SOLE		0	0	18,266
ISHARES TR	GRWT ALLOCAT ETF	464289867	239,644	4,658	SH		SOLE		0	0	4,658
ISHARES TR	AGGRES ALLOC ETF	464289859	455,234	6,862	SH		SOLE		0	0	6,862
ISHARES TR	INTL TREA BD ETF	464288117	301,003	7,603	SH		SOLE		0	0	7,603
ISHARES TR	MSCI USA MIN VOL	46429B697	2,086,166	28,066	SH		SOLE		0	0	28,066
ISHARES TR	MSCI EAFE MIN VL	46429B689	213,030	3,156	SH		SOLE		0	0	3,156
ISHARES TR	RUS TP200 GR ETF	464289438	377,531	2,381	SH		SOLE		0	0	2,381
ISHARES TR	US INFRASTRUC	46435U713	397,370	10,168	SH		SOLE		0	0	10,168
ISHARES TR	CORE S&P MCP ETF	464287507	1,142,797	4,370	SH		SOLE		0	0	4,370
ISHARES TR	CORE S&P SCP ETF	464287804	1,155,113	11,592	SH		SOLE		0	0	11,592
ISHARES TR	CORE S&P500 ETF	464287200	12,600,101	28,270	SH		SOLE		0	0	28,270
ISHARES TR	RUS 1000 VAL ETF	464287598	522,417	3,310	SH		SOLE		0	0	3,310
ISHARES TR	RUS 1000 GRW ETF	464287614	643,096	2,337	SH		SOLE		0	0	2,337
ISHARES TR	RUSSELL 2000 ETF	464287655	437,275	2,335	SH		SOLE		0	0	2,335
ISHARES TR	CORE S&P US VLU	464287663	931,961	11,909	SH		SOLE		0	0	11,909
ISHARES TR	CORE S&P US GWT	464287671	1,522,891	15,597	SH		SOLE		0	0	15,597
ISHARES TR	1 3 YR TREAS BD	464287457	329,509	4,064	SH		SOLE		0	0	4,064
ISHARES TR	7-10 YR TRSY BD	464287440	234,209	2,425	SH		SOLE		0	0	2,425
ISHARES TR	ISHARES BIOTECH	464287556	771,028	6,073	SH		SOLE		0	0	6,073
ISHARES TR	MSCI EAFE ETF	464287465	835,208	11,520	SH		SOLE		0	0	11,520
ISHARES TR	U.S. TECH ETF	464287721	1,125,974	10,342	SH		SOLE		0	0	10,342
ISHARES TR	ISHS 1-5YR INVS	464288646	1,578,499	31,463	SH		SOLE		0	0	31,463
ISHARES TR	CORE S&P TTL STK	464287150	363,492	3,715	SH		SOLE		0	0	3,715
ISHARES TR	TIPS BD ETF	464287176	1,912,730	17,773	SH		SOLE		0	0	17,773
ISHARES TR	MBS ETF	464288588	786,912	8,437	SH		SOLE		0	0	8,437
ISHARES TR	10-20 YR TRS ETF	464288653	519,696	4,692	SH		SOLE		0	0	4,692
ISHARES TR	EAFE VALUE ETF	464288877	1,210,127	24,727	SH		SOLE		0	0	24,727
ISHARES TR	EAFE GRWTH ETF	464288885	1,698,711	17,804	SH		SOLE		0	0	17,804
ISHARES TR	MSCI EMG MKT ETF	464287234	562,820	14,227	SH		SOLE		0	0	14,227
ISHARES TR	CORE US AGGBD ET	464287226	1,370,614	13,993	SH		SOLE		0	0	13,993
ISHARES U S ETF TR	BLACKROCK SHORT	46431W838	357,187	7,159	SH		SOLE		0	0	7,159
ISHARES U S ETF TR	BLACKROCK ST MAT	46431W507	2,295,735	46,173	SH		SOLE		0	0	46,173
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT INC	46641Q837	865,646	17,265	SH		SOLE		0	0	17,265
J P MORGAN EXCHANGE TRADED F	EQUITY PREMIUM	46641Q332	734,047	13,267	SH		SOLE		0	0	13,267
JOHN HANCOCK EXCHANGE TRADED	MULTIFACTOR MI	47804J206	658,249	13,247	SH		SOLE		0	0	13,247
JOHNSON & JOHNSON	COM	478160104	839,703	5,073	SH		SOLE		0	0	5,073
JPMORGAN CHASE & CO	COM	46625H100	702,039	4,827	SH		SOLE		0	0	4,827
KELLOGG CO	COM	487836108	616,171	9,142	SH		SOLE		0	0	9,142
KIMBERLY-CLARK CORP	COM	494368103	1,381,589	10,007	SH		SOLE		0	0	10,007
LILLY ELI & CO	COM	532457108	367,211	783	SH		SOLE		0	0	783
LOWES COS INC	COM	548661107	241,725	1,071	SH		SOLE		0	0	1,071
MAINSTAY MACKAY DEFINEDTERM	COM	56064K100	181,916	10,657	SH		SOLE		0	0	10,657
MASTERCARD INCORPORATED	CL A	57636Q104	2,062,465	5,244	SH		SOLE		0	0	5,244
MCCORMICK & CO INC	COM NON VTG	579780206	407,800	4,675	SH		SOLE		0	0	4,675
MCDONALDS CORP	COM	580135101	726,017	2,433	SH		SOLE		0	0	2,433
MERCK & CO INC	COM	58933Y105	700,420	6,070	SH		SOLE		0	0	6,070
META PLATFORMS INC	CL A	30303M102	771,689	2,689	SH		SOLE		0	0	2,689
MICROSOFT CORP	COM	594918104	5,074,677	14,902	SH		SOLE		0	0	14,902
MONDELEZ INTL INC	CL A	609207105	412,914	5,661	SH		SOLE		0	0	5,661
NETFLIX INC	COM	64110L106	312,307	709	SH		SOLE		0	0	709
NEW JERSEY RES CORP	COM	646025106	278,480	5,900	SH		SOLE		0	0	5,900
NEXPOINT DIVERSIFIED REL ET	COM NEW	65340G205	1,062,081	84,831	SH		SOLE		0	0	84,831
NEXTERA ENERGY INC	COM	65339F101	652,167	8,789	SH		SOLE		0	0	8,789
NORFOLK SOUTHN CORP	COM	655844108	254,198	1,121	SH		SOLE		0	0	1,121
NUVEEN CR STRATEGIES INCOME	COM SHS	67073D102	75,402	14,931	SH		SOLE		0	0	14,931
NVIDIA CORPORATION	COM	67066G104	1,383,405	3,270	SH		SOLE		0	0	3,270
OPKO HEALTH INC	COM	68375N103	43,561	20,074	SH		SOLE		0	0	20,074
ORACLE CORP	COM	68389X105	630,939	5,298	SH		SOLE		0	0	5,298
OTIS WORLDWIDE CORP	COM	68902V107	571,889	6,425	SH		SOLE		0	0	6,425
PACER FDS TR	TRENDP US LAR CP	69374H105	253,954	6,149	SH		SOLE		0	0	6,149
PEPSICO INC	COM	713448108	861,365	4,650	SH		SOLE		0	0	4,650
PETROLEO BRASILEIRO SA PETRO	SPONSORED ADR	71654V408	150,208	10,861	SH		SOLE		0	0	10,861
PFIZER INC	COM	717081103	738,400	20,131	SH		SOLE		0	0	20,131
PHILIP MORRIS INTL INC	COM	718172109	615,689	6,307	SH		SOLE		0	0	6,307
PROCTER AND GAMBLE CO	COM	742718109	681,313	4,490	SH		SOLE		0	0	4,490
PROSHARES TR	S&P 500 DV ARIST	74348A467	487,541	5,171	SH		SOLE		0	0	5,171
PROSHARES TR II	ULTA BLMBG 2017	74347Y888	222,783	9,420	SH		SOLE		0	0	9,420
PUBLIC STORAGE	COM	74460D109	280,205	960	SH		SOLE		0	0	960
PUBLIC SVC ENTERPRISE GRP IN	COM	744573106	631,128	10,080	SH		SOLE		0	0	10,080
PURECYCLE TECHNOLOGIES INC	COM	74623V103	138,692	12,974	SH		SOLE		0	0	12,974
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	915,632	9,347	SH		SOLE		0	0	9,347
REALTY INCOME CORP	COM	756109104	259,312	4,337	SH		SOLE		0	0	4,337
RINGCENTRAL INC	CL A	76680R206	231,925	7,086	SH		SOLE		0	0	7,086
SALESFORCE INC	COM	79466L302	323,650	1,532	SH		SOLE		0	0	1,532
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	371,237	7,181	SH		SOLE		0	0	7,181
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	380,359	8,684	SH		SOLE		0	0	8,684
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	889,779	11,872	SH		SOLE		0	0	11,872
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	717,125	10,689	SH		SOLE		0	0	10,689
SCHWAB STRATEGIC TR	SHT TM US TRES	808524862	274,278	5,707	SH		SOLE		0	0	5,707
SEELOS THERAPEUTICS INC	COM	81577F109	72,000	60,000	SH		SOLE		0	0	60,000
SELECT MED HLDGS CORP	COM	81619Q105	896,572	28,141	SH		SOLE		0	0	28,141
SELECT SECTOR SPDR TR	SBI INT-UTILS	81369Y886	261,106	3,990	SH		SOLE		0	0	3,990
SELECT SECTOR SPDR TR	ENERGY	81369Y506	290,209	3,575	SH		SOLE		0	0	3,575
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	376,165	2,164	SH		SOLE		0	0	2,164
SIRIUS XM HOLDINGS INC	COM	82968B103	62,607	13,821	SH		SOLE		0	0	13,821
SNOWFLAKE INC	CL A	833445109	233,525	1,327	SH		SOLE		0	0	1,327
SOUTHERN CO	COM	842587107	2,857,020	40,669	SH		SOLE		0	0	40,669
SOUTHWEST AIRLS CO	COM	844741108	222,873	6,155	SH		SOLE		0	0	6,155
SPDR DOW JONES INDL AVERAGE	UT SER 1	78467X109	414,691	1,206	SH		SOLE		0	0	1,206
SPDR GOLD TR	GOLD SHS	78463V107	1,404,055	7,876	SH		SOLE		0	0	7,876
SPDR S&P 500 ETF TR	TR UNIT	78462F103	15,943,973	35,968	SH		SOLE		0	0	35,968
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	1,857,239	3,878	SH		SOLE		0	0	3,878
SPDR SER TR	PRTFLO S&P500 GW	78464A409	1,709,805	28,025	SH		SOLE		0	0	28,025
SPDR SER TR	PORTFOLIO S&P400	78464A847	446,225	9,724	SH		SOLE		0	0	9,724
SPDR SER TR	PORTFOLIO S&P500	78464A854	957,934	18,383	SH		SOLE		0	0	18,383
SPDR SER TR	PORTFOLIO S&P600	78468R853	1,071,911	27,598	SH		SOLE		0	0	27,598
SPDR SER TR	PRTFLO S&P500 HI	78468R788	490,463	13,227	SH		SOLE		0	0	13,227
STARBUCKS CORP	COM	855244109	484,666	4,893	SH		SOLE		0	0	4,893
TARGET CORP	COM	87612E106	264,130	2,003	SH		SOLE		0	0	2,003
TELLURIAN INC NEW	COM	87968A104	14,805	10,500	SH		SOLE		0	0	10,500
TESLA INC	COM	88160R101	679,293	2,595	SH		SOLE		0	0	2,595
TEXAS INSTRS INC	COM	882508104	364,901	2,027	SH		SOLE		0	0	2,027
TRANE TECHNOLOGIES PLC	SHS	G8994E103	216,698	1,133	SH		SOLE		0	0	1,133
TRAVELERS COMPANIES INC	COM	89417E109	211,865	1,220	SH		SOLE		0	0	1,220
UNITED PARCEL SERVICE INC	CL B	911312106	4,577,328	25,536	SH		SOLE		0	0	25,536
UNITEDHEALTH GROUP INC	COM	91324P102	1,024,244	2,131	SH		SOLE		0	0	2,131
VALERO ENERGY CORP	COM	91913Y100	262,987	2,242	SH		SOLE		0	0	2,242
VANECK ETF TRUST	SEMICONDUCTR ETF	92189F676	1,130,621	7,426	SH		SOLE		0	0	7,426
VANGUARD ADMIRAL FDS INC	SMLLCP 600 IDX	921932828	473,325	5,151	SH		SOLE		0	0	5,151
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	1,029,839	14,168	SH		SOLE		0	0	14,168
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	3,488,936	46,377	SH		SOLE		0	0	46,377
VANGUARD BD INDEX FDS	LONG TERM BOND	921937793	3,131,524	41,798	SH		SOLE		0	0	41,798
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	7,362,500	97,426	SH		SOLE		0	0	97,426
VANGUARD CHARLOTTE FDS	TOTAL INT BD ETF	92203J407	6,583,784	134,693	SH		SOLE		0	0	134,693
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	4,419,219	10,851	SH		SOLE		0	0	10,851
VANGUARD INDEX FDS	VALUE ETF	922908744	8,852,200	62,296	SH		SOLE		0	0	62,296
VANGUARD INDEX FDS	MID CAP ETF	922908629	1,253,576	5,694	SH		SOLE		0	0	5,694
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	518,573	6,206	SH		SOLE		0	0	6,206
VANGUARD INDEX FDS	SMALL CP ETF	922908751	4,262,925	21,434	SH		SOLE		0	0	21,434
VANGUARD INDEX FDS	GROWTH ETF	922908736	11,010,731	38,913	SH		SOLE		0	0	38,913
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	448,027	2,034	SH		SOLE		0	0	2,034
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	4,688,222	115,246	SH		SOLE		0	0	115,246
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	5,175,601	109,144	SH		SOLE		0	0	109,144
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	673,500	13,411	SH		SOLE		0	0	13,411
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	1,801,378	23,809	SH		SOLE		0	0	23,809
VANGUARD SCOTTSDALE FDS	MTG-BKD SECS ETF	92206C771	3,523,996	76,625	SH		SOLE		0	0	76,625
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	1,113,320	6,854	SH		SOLE		0	0	6,854
VANGUARD STAR FDS	VG TL INTL STK F	921909768	379,801	6,772	SH		SOLE		0	0	6,772
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	13,119,605	284,097	SH		SOLE		0	0	284,097
VANGUARD WELLINGTON FD	US VALUE FACTR	921935805	1,814,228	18,206	SH		SOLE		0	0	18,206
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	4,148,707	39,113	SH		SOLE		0	0	39,113
VANGUARD WORLD FD	MEGA GRWTH IND	921910816	3,634,747	15,446	SH		SOLE		0	0	15,446
VANGUARD WORLD FDS	UTILITIES ETF	92204A876	1,080,217	7,598	SH		SOLE		0	0	7,598
VANGUARD WORLD FDS	INF TECH ETF	92204A702	585,031	1,323	SH		SOLE		0	0	1,323
VERIZON COMMUNICATIONS INC	COM	92343V104	595,409	16,010	SH		SOLE		0	0	16,010
VICTORY PORTFOLIOS II	CORE INTERMEDIAT	92647N527	626,340	13,600	SH		SOLE		0	0	13,600
VISA INC	COM CL A	92826C839	1,470,998	6,194	SH		SOLE		0	0	6,194
WALMART INC	COM	931142103	335,680	2,136	SH		SOLE		0	0	2,136
WISDOMTREE TR	EUROPE SMCP DV	97717W869	545,350	9,766	SH		SOLE		0	0	9,766
WISDOMTREE TR	EMG MKTS SMCAP	97717W281	1,228,671	26,406	SH		SOLE		0	0	26,406
WISDOMTREE TR	CLOUD COMPUTNG	97717Y691	513,952	16,213	SH		SOLE		0	0	16,213
WP CAREY INC	COM	92936U109	453,125	6,707	SH		SOLE		0	0	6,707