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
ABBOTT LABS COM 002824100   4,764,709 49,197 SH   SOLE   48,437 0 760
AIR PRODS & CHEMS INC COM 009158106   240,096 842 SH   SOLE   842 0 0
AMAZON COM INC COM 023135106   805,228 6,334 SH   SOLE   6,334 0 0
AMGEN INC COM 031162100   480,812 1,789 SH   SOLE   1,789 0 0
APPLE INC COM 037833100   6,505,103 37,995 SH   SOLE   37,930 0 65
APPLIED MATLS INC COM 038222105   784,312 5,665 SH   SOLE   5,665 0 0
BANK AMERICA CORP COM 060505104   262,355 9,582 SH   SOLE   9,582 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   521,597 1,489 SH   SOLE   1,489 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   202,483 3,489 SH   SOLE   610 0 2,879
CATERPILLAR INC COM 149123101   1,915,095 7,015 SH   SOLE   7,015 0 0
CHEVRON CORP NEW COM 166764100   2,434,367 14,437 SH   SOLE   13,263 0 1,174
COCA COLA CO COM 191216100   735,865 13,038 SH   SOLE   12,538 0 500
CUMMINS INC COM 231021106   404,374 1,770 SH   SOLE   1,770 0 0
DTE ENERGY CO COM 233331107   228,330 2,278 SH   SOLE   232 0 2,046
DANAHER CORPORATION COM 235851102   874,801 3,526 SH   SOLE   3,526 0 0
DEERE & CO COM 244199105   546,886 1,444 SH   SOLE   1,424 0 20
ENTERPRISE PRODS PARTNERS L COM 293792107   321,050 11,730 SH   SOLE   11,730 0 0
FORD MTR CO DEL COM 345370860   142,384 11,464 SH   SOLE   11,464 0 0
HOME DEPOT INC COM 437076102   336,002 1,112 SH   SOLE   862 0 250
HONEYWELL INTL INC COM 438516106   608,339 3,293 SH   SOLE   3,275 0 18
INTEL CORP COM 458140100   483,744 13,608 SH   SOLE   13,533 0 75
INTERNATIONAL BUSINESS MACHS COM 459200101   606,096 4,320 SH   SOLE   4,070 0 250
ISHARES TR CORE S&P500 ETF 464287200   2,377,599 5,511 SH   SOLE   5,511 0 0
ISHARES TR CORE US AGGBD ET 464287226   2,340,118 24,884 SH   SOLE   24,346 0 538
ISHARES TR S&P 500 GRWT ETF 464287309   232,113 3,381 SH   SOLE   3,381 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   240,157 2,966 SH   SOLE   2,966 0 0
ISHARES TR MSCI EAFE ETF 464287465   4,503,902 65,350 SH   SOLE   64,920 0 430
ISHARES TR CORE S&P MCP ETF 464287507   2,403,936 9,597 SH   SOLE   9,597 0 0
ISHARES TR COHEN STEER REIT 464287564   2,329,552 45,894 SH   SOLE   44,711 0 1,183
ISHARES TR RUSSELL 2000 ETF 464287655   2,265,622 12,759 SH   SOLE   12,719 0 40
ISHARES TR CORE S&P SCP ETF 464287804   1,269,512 13,393 SH   SOLE   13,313 0 80
JOHNSON & JOHNSON COM 478160104   1,370,288 8,798 SH   SOLE   8,523 0 275
ELI LILLY & CO COM 532457108   634,351 1,181 SH   SOLE   1,181 0 0
LOWES COS INC COM 548661107   978,009 4,706 SH   SOLE   4,676 0 30
MARATHON OIL CORP COM 565849106   735,678 27,502 SH   SOLE   27,502 0 0
MASCO CORP COM 574599106   315,890 5,910 SH   SOLE   5,910 0 0
MCDONALDS CORP COM 580135101   1,843,290 6,997 SH   SOLE   6,972 0 25
MICROSOFT CORP COM 594918104   4,486,274 14,208 SH   SOLE   13,646 0 562
MICROCHIP TECHNOLOGY INC. COM 595017104   694,645 8,900 SH   SOLE   8,825 0 75
NIKE INC CL B 654106103   829,310 8,642 SH   SOLE   8,602 0 40
NORFOLK SOUTHN CORP COM 655844108   229,030 1,163 SH   SOLE   1,163 0 0
PEPSICO INC COM 713448108   1,083,908 6,397 SH   SOLE   6,362 0 35
PFIZER INC COM 717081103   613,612 18,499 SH   SOLE   9,052 0 9,447
PROCTER AND GAMBLE CO COM 742718109   1,999,766 13,710 SH   SOLE   13,395 0 315
SCHWAB CHARLES CORP COM 808513105   713,716 13,000 SH   SOLE   12,920 0 80
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   5,058,114 99,963 SH   SOLE   99,061 0 902
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   6,387,363 87,835 SH   SOLE   87,409 0 426
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   6,394,811 99,206 SH   SOLE   98,724 0 482
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   8,106,926 119,783 SH   SOLE   118,096 0 1,687
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   4,287,228 103,506 SH   SOLE   102,450 0 1,056
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,043,967 85,379 SH   SOLE   84,484 0 895
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   6,981,610 205,583 SH   SOLE   205,116 0 467
SOUTHERN CO COM 842587107   241,470 3,731 SH   SOLE   592 0 3,139
STARBUCKS CORP COM 855244109   336,516 3,687 SH   SOLE   3,687 0 0
STRYKER CORPORATION COM 863667101   3,285,398 11,990 SH   SOLE   11,215 0 775
SYSCO CORP COM 871829107   326,948 4,950 SH   SOLE   4,950 0 0
TJX COS INC NEW COM 872540109   1,956,338 22,011 SH   SOLE   21,931 0 80
UNION PAC CORP COM 907818108   339,655 1,668 SH   SOLE   245 0 1,423
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,188,024 30,299 SH   SOLE   29,869 0 430
VANGUARD INDEX FDS SM CP VAL ETF 922908611   973,846 6,106 SH   SOLE   6,106 0 0
WALMART INC COM 931142103   319,540 1,998 SH   SOLE   1,998 0 0
ABBVIE INC COM 00287Y109   6,905,652 46,328 SH   SOLE   45,928 0 400
ADOBE INC COM 00724F101   374,776 735 SH   SOLE   735 0 0
ALPHABET INC CAP STK CL C 02079K107   578,162 4,385 SH   SOLE   4,385 0 0
ALPHABET INC CAP STK CL A 02079K305   3,624,459 27,697 SH   SOLE   27,462 0 235
BLACKROCK INC COM 09247X101   307,083 475 SH   SOLE   475 0 0
CISCO SYS INC COM 17275R102   860,425 16,005 SH   SOLE   16,005 0 0
COMCAST CORP NEW CL A 20030N101   758,021 17,095 SH   SOLE   17,095 0 0
CONOCOPHILLIPS COM 20825C104   458,483 3,808 SH   SOLE   3,808 0 0
COSTCO WHSL CORP NEW COM 22160K105   2,986,379 5,286 SH   SOLE   5,286 0 0
EXXON MOBIL CORP COM 30231G102   987,780 8,401 SH   SOLE   8,401 0 0
META PLATFORMS INC CL A 30303M102   834,847 2,781 SH   SOLE   2,781 0 0
ISHARES TR CORE 1 5 YR USD 46432F859   223,088 4,810 SH   SOLE   4,810 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243   366,747 15,429 SH   SOLE   15,429 0 0
JPMORGAN CHASE & CO COM 46625H100   2,686,350 18,524 SH   SOLE   18,524 0 0
MARATHON PETE CORP COM 56585A102   248,803 1,644 SH   SOLE   1,644 0 0
MERCK & CO INC COM 58933Y105   511,972 4,938 SH   SOLE   4,938 0 0
ORACLE CORP COM 68389X105   1,835,700 17,331 SH   SOLE   17,331 0 0
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   206,603 2,204 SH   SOLE   2,204 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775   4,037,511 45,933 SH   SOLE   45,933 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   6,178,938 13,485 SH   SOLE   13,485 0 0
SALESFORCE INC COM 79466L302   1,257,642 6,202 SH   SOLE   6,202 0 0
SYSTEM1 INC CL A COM 87200P109   13,250 10,950 SH   SOLE   10,950 0 0
TMC THE METALS COMPANY INC COM 87261Y106   9,912 10,000 SH   SOLE   10,000 0 0
TESLA INC COM 88160R101   599,018 2,394 SH   SOLE   2,394 0 0
UNITEDHEALTH GROUP INC COM 91324P102   934,768 1,854 SH   SOLE   1,854 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   4,320,975 57,498 SH   SOLE   57,498 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   241,260 7,444 SH   SOLE   7,444 0 0
VISA INC COM CL A 92826C839   2,361,973 10,269 SH   SOLE   10,269 0 0
CHUBB LIMITED COM H1467J104   222,628 1,065 SH   SOLE   1,065 0 0