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
Estimated average burden
hours per response: 23.8
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   465,619 4,241 SH   SOLE 0 0 0 4,241
ABBVIE INC COM 00287Y109   1,396,957 8,644 SH   SOLE 0 0 0 8,644
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   307,400 1,152 SH   SOLE 0 0 0 1,152
ADOBE SYSTEMS INCORPORATED COM 00724F101   312,300 928 SH   SOLE 0 0 0 928
ADVANCED MICRO DEVICES INC COM 007903107   223,521 3,451 SH   SOLE 0 0 0 3,451
AIR PRODS & CHEMS INC COM 009158106   350,492 1,137 SH   SOLE 0 0 0 1,137
ALPHABET INC CAP STK CL A 02079K305   1,284,805 14,562 SH   SOLE 0 0 0 14,562
ALPHABET INC CAP STK CL C 02079K107   1,911,865 21,547 SH   SOLE 0 0 0 21,547
ALTRIA GROUP INC COM 02209S103   330,346 7,227 SH   SOLE 0 0 0 7,227
AMAZON COM INC COM 023135106   1,743,336 20,754 SH   SOLE 0 0 0 20,754
AMERICAN INTL GROUP INC COM NEW 026874784   261,687 4,138 SH   SOLE 0 0 0 4,138
AMERICAN TOWER CORP NEW COM 03027X100   240,037 1,133 SH   SOLE 0 0 0 1,133
AMERIPRISE FINL INC COM 03076C106   373,644 1,200 SH   SOLE 0 0 0 1,200
AMGEN INC COM 031162100   237,427 904 SH   SOLE 0 0 0 904
AON PLC SHS CL A G0403H108   262,623 875 SH   SOLE 0 0 0 875
APPLE INC COM 037833100   6,496,760 50,002 SH   SOLE 0 0 0 50,002
APPLIED MATLS INC COM 038222105   350,763 3,602 SH   SOLE 0 0 0 3,602
ASSURANT INC COM 04621X108   205,724 1,645 SH   SOLE 0 0 0 1,645
AT&T INC COM 00206R102   232,702 12,640 SH   SOLE 0 0 0 12,640
AUTOMATIC DATA PROCESSING IN COM 053015103   320,072 1,340 SH   SOLE 0 0 0 1,340
BECTON DICKINSON & CO COM 075887109   252,774 994 SH   SOLE 0 0 0 994
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,753,934 5,678 SH   SOLE 0 0 0 5,678
BK OF AMERICA CORP COM 060505104   528,363 15,953 SH   SOLE 0 0 0 15,953
BLACKROCK INC COM 09247X101   264,319 373 SH   SOLE 0 0 0 373
BOOKING HOLDINGS INC COM 09857L108   239,818 119 SH   SOLE 0 0 0 119
BOSTON SCIENTIFIC CORP COM 101137107   234,126 5,060 SH   SOLE 0 0 0 5,060
BRISTOL-MYERS SQUIBB CO COM 110122108   421,339 5,856 SH   SOLE 0 0 0 5,856
BROADCOM INC COM 11135F101   611,129 1,093 SH   SOLE 0 0 0 1,093
CATERPILLAR INC COM 149123101   804,203 3,357 SH   SOLE 0 0 0 3,357
CF INDS HLDGS INC COM 125269100   204,395 2,399 SH   SOLE 0 0 0 2,399
CHEVRON CORP NEW COM 166764100   821,885 4,579 SH   SOLE 0 0 0 4,579
CHUBB LIMITED COM H1467J104   298,692 1,354 SH   SOLE 0 0 0 1,354
CINTAS CORP COM 172908105   215,874 478 SH   SOLE 0 0 0 478
CISCO SYS INC COM 17275R102   666,674 13,994 SH   SOLE 0 0 0 13,994
CME GROUP INC COM 12572Q105   224,494 1,335 SH   SOLE 0 0 0 1,335
COCA COLA CO COM 191216100   893,466 14,046 SH   SOLE 0 0 0 14,046
COMCAST CORP NEW CL A 20030N101   442,440 12,652 SH   SOLE 0 0 0 12,652
CONOCOPHILLIPS COM 20825C104   343,144 2,908 SH   SOLE 0 0 0 2,908
CONSTELLATION ENERGY CORP COM 21037T109   298,804 3,466 SH   SOLE 0 0 0 3,466
COSTCO WHSL CORP NEW COM 22160K105   383,917 841 SH   SOLE 0 0 0 841
CVS HEALTH CORP COM 126650100   422,151 4,530 SH   SOLE 0 0 0 4,530
DANAHER CORPORATION COM 235851102   661,957 2,494 SH   SOLE 0 0 0 2,494
DEERE & CO COM 244199105   423,186 987 SH   SOLE 0 0 0 987
DEVON ENERGY CORP NEW COM 25179M103   362,663 5,896 SH   SOLE 0 0 0 5,896
DIAMEDICA THERAPEUTICS INC COM NEW 25253X207   22,872 14,475 SH   SOLE 0 0 0 14,475
DUKE ENERGY CORP NEW COM NEW 26441C204   277,970 2,699 SH   SOLE 0 0 0 2,699
EATON CORP PLC SHS G29183103   508,047 3,237 SH   SOLE 0 0 0 3,237
ELEVANCE HEALTH INC COM 036752103   281,108 548 SH   SOLE 0 0 0 548
EXELON CORP COM 30161N101   386,736 8,946 SH   SOLE 0 0 0 8,946
EXXON MOBIL CORP COM 30231G102   2,111,914 19,147 SH   SOLE 0 0 0 19,147
FORD MTR CO DEL COM 345370860   135,071 11,614 SH   SOLE 0 0 0 11,614
GENERAL ELECTRIC CO COM NEW 369604301   310,861 3,710 SH   SOLE 0 0 0 3,710
GILEAD SCIENCES INC COM 375558103   315,842 3,679 SH   SOLE 0 0 0 3,679
GLOBALSTAR INC COM 378973408   217,704 163,687 SH   SOLE 0 0 0 163,687
GOLDMAN SACHS ETF TR ACCESS HIG YLD 381430453   228,419 5,450 SH   SOLE 0 0 0 5,450
GOLDMAN SACHS GROUP INC COM 38141G104   267,493 779 SH   SOLE 0 0 0 779
HESS CORP COM 42809H107   391,707 2,762 SH   SOLE 0 0 0 2,762
HEWLETT PACKARD ENTERPRISE C COM 42824C109   161,132 10,096 SH   SOLE 0 0 0 10,096
HOME DEPOT INC COM 437076102   669,307 2,119 SH   SOLE 0 0 0 2,119
HONEYWELL INTL INC COM 438516106   382,097 1,783 SH   SOLE 0 0 0 1,783
HOWMET AEROSPACE INC COM 443201108   300,147 7,616 SH   SOLE 0 0 0 7,616
ILLINOIS TOOL WKS INC COM 452308109   278,680 1,265 SH   SOLE 0 0 0 1,265
INGERSOLL RAND INC COM 45687V106   299,393 5,730 SH   SOLE 0 0 0 5,730
INTEL CORP COM 458140100   540,467 20,449 SH   SOLE 0 0 0 20,449
INTERNATIONAL BUSINESS MACHS COM 459200101   249,657 1,772 SH   SOLE 0 0 0 1,772
INTUIT COM 461202103   201,616 518 SH   SOLE 0 0 0 518
INTUITIVE SURGICAL INC COM NEW 46120E602   275,168 1,037 SH   SOLE 0 0 0 1,037
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   242,254 11,800 SH   SOLE 0 0 0 11,800
INVESCO EXCHANGE TRADED FD T DYNMC PHRMCTLS 46137V662   265,656 3,380 SH   SOLE 0 0 0 3,380
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   299,905 1,933 SH   SOLE 0 0 0 1,933
ISHARES INC CORE MSCI EMKT 46434G103   4,281,830 91,688 SH   SOLE 0 0 0 91,688
ISHARES TR CORE MSCI EAFE 46432F842   18,132,762 294,172 SH   SOLE 0 0 0 294,172
ISHARES TR SHRT NAT MUN ETF 464288158   4,267,145 40,924 SH   SOLE 0 0 0 40,924
ISHARES TR BLACKROCK ULTRA 46434V878   375,550 7,505 SH   SOLE 0 0 0 7,505
ISHARES TR SHORT TREAS BD 464288679   1,029,731 9,368 SH   SOLE 0 0 0 9,368
ISHARES TR RUS TP200 GR ETF 464289438   251,667 2,088 SH   SOLE 0 0 0 2,088
ISHARES TR NATIONAL MUN ETF 464288414   4,591,281 43,511 SH   SOLE 0 0 0 43,511
ISHARES TR JPMORGAN USD EMG 464288281   380,655 4,500 SH   SOLE 0 0 0 4,500
ISHARES TR EAFE SML CP ETF 464288273   1,220,631 21,612 SH   SOLE 0 0 0 21,612
ISHARES TR MSCI EMG MKT ETF 464287234   385,216 10,164 SH   SOLE 0 0 0 10,164
ISHARES TR CORE US AGGBD ET 464287226   6,034,453 62,217 SH   SOLE 0 0 0 62,217
ISHARES TR SELECT DIVID ETF 464287168   489,636 4,060 SH   SOLE 0 0 0 4,060
ISHARES TR MSCI EAFE ETF 464287465   2,541,581 38,720 SH   SOLE 0 0 0 38,720
ISHARES TR CORE S&P MCP ETF 464287507   9,240,924 38,203 SH   SOLE 0 0 0 38,203
ISHARES TR CORE S&P SCP ETF 464287804   7,985,494 84,378 SH   SOLE 0 0 0 84,378
ISHARES TR S&P 500 VAL ETF 464287408   8,381,564 57,776 SH   SOLE 0 0 0 57,776
ISHARES TR CORE S&P500 ETF 464287200   26,953,484 70,153 SH   SOLE 0 0 0 70,153
ISHARES TR RUS 2000 VAL ETF 464287630   415,317 2,995 SH   SOLE 0 0 0 2,995
ISHARES TR RUS MID CAP ETF 464287499   1,437,157 21,307 SH   SOLE 0 0 0 21,307
JEFFERIES FINL GROUP INC COM 47233W109   403,064 11,758 SH   SOLE 0 0 0 11,758
JOHNSON & JOHNSON COM 478160104   1,948,450 11,030 SH   SOLE 0 0 0 11,030
JPMORGAN CHASE & CO COM 46625H100   1,227,149 9,151 SH   SOLE 0 0 0 9,151
KIMBERLY-CLARK CORP COM 494368103   3,602,669 26,539 SH   SOLE 0 0 0 26,539
L3HARRIS TECHNOLOGIES INC COM 502431109   200,090 961 SH   SOLE 0 0 0 961
LILLY ELI & CO COM 532457108   1,180,932 3,228 SH   SOLE 0 0 0 3,228
LINDE PLC SHS G5494J103   378,043 1,159 SH   SOLE 0 0 0 1,159
LOCKHEED MARTIN CORP COM 539830109   230,110 473 SH   SOLE 0 0 0 473
LOWES COS INC COM 548661107   403,859 2,027 SH   SOLE 0 0 0 2,027
MARATHON PETE CORP COM 56585A102   417,142 3,584 SH   SOLE 0 0 0 3,584
MASTERCARD INCORPORATED CL A 57636Q104   559,498 1,609 SH   SOLE 0 0 0 1,609
MCDONALDS CORP COM 580135101   558,947 2,121 SH   SOLE 0 0 0 2,121
MCKESSON CORP COM 58155Q103   264,460 705 SH   SOLE 0 0 0 705
MEDTRONIC PLC SHS G5960L103   265,725 3,419 SH   SOLE 0 0 0 3,419
MERCK & CO INC COM 58933Y105   886,601 7,991 SH   SOLE 0 0 0 7,991
META PLATFORMS INC CL A 30303M102   434,668 3,612 SH   SOLE 0 0 0 3,612
METLIFE INC COM 59156R108   298,454 4,124 SH   SOLE 0 0 0 4,124
MICROSOFT CORP COM 594918104   4,855,396 20,246 SH   SOLE 0 0 0 20,246
MONDELEZ INTL INC CL A 609207105   466,550 7,000 SH   SOLE 0 0 0 7,000
MORGAN STANLEY COM NEW 617446448   289,068 3,400 SH   SOLE 0 0 0 3,400
NETFLIX INC COM 64110L106   332,920 1,129 SH   SOLE 0 0 0 1,129
NEXTERA ENERGY INC COM 65339F101   612,203 7,323 SH   SOLE 0 0 0 7,323
NIKE INC CL B 654106103   329,851 2,819 SH   SOLE 0 0 0 2,819
NORFOLK SOUTHN CORP COM 655844108   255,291 1,036 SH   SOLE 0 0 0 1,036
NORTHROP GRUMMAN CORP COM 666807102   247,161 453 SH   SOLE 0 0 0 453
NVIDIA CORPORATION COM 67066G104   803,332 5,497 SH   SOLE 0 0 0 5,497
ORACLE CORP COM 68389X105   267,944 3,278 SH   SOLE 0 0 0 3,278
OREILLY AUTOMOTIVE INC COM 67103H107   302,163 358 SH   SOLE 0 0 0 358
PEPSICO INC COM 713448108   682,895 3,780 SH   SOLE 0 0 0 3,780
PFIZER INC COM 717081103   682,261 13,315 SH   SOLE 0 0 0 13,315
PHILIP MORRIS INTL INC COM 718172109   879,515 8,690 SH   SOLE 0 0 0 8,690
PROCTER AND GAMBLE CO COM 742718109   1,599,413 10,553 SH   SOLE 0 0 0 10,553
PROGRESSIVE CORP COM 743315103   404,047 3,115 SH   SOLE 0 0 0 3,115
PROLOGIS INC. COM 74340W103   244,399 2,168 SH   SOLE 0 0 0 2,168
QUALCOMM INC COM 747525103   868,526 7,900 SH   SOLE 0 0 0 7,900
RAYTHEON TECHNOLOGIES CORP COM 75513E101   654,264 6,483 SH   SOLE 0 0 0 6,483
SALESFORCE INC COM 79466L302   327,232 2,468 SH   SOLE 0 0 0 2,468
SCHWAB CHARLES CORP COM 808513105   549,766 6,603 SH   SOLE 0 0 0 6,603
SERVICENOW INC COM 81762P102   328,088 845 SH   SOLE 0 0 0 845
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,247,326 11,106 SH   SOLE 0 0 0 11,106
SPDR SER TR BLOOMBERG HIGH Y 78468R622   534,690 5,941 SH   SOLE 0 0 0 5,941
STARBUCKS CORP COM 855244109   275,181 2,774 SH   SOLE 0 0 0 2,774
SYSCO CORP COM 871829107   288,905 3,779 SH   SOLE 0 0 0 3,779
T-MOBILE US INC COM 872590104   323,680 2,312 SH   SOLE 0 0 0 2,312
TESLA INC COM 88160R101   352,418 2,861 SH   SOLE 0 0 0 2,861
TEXAS INSTRS INC COM 882508104   448,077 2,712 SH   SOLE 0 0 0 2,712
THERMO FISHER SCIENTIFIC INC COM 883556102   388,787 706 SH   SOLE 0 0 0 706
TJX COS INC NEW COM 872540109   334,240 4,199 SH   SOLE 0 0 0 4,199
TRANE TECHNOLOGIES PLC SHS G8994E103   256,673 1,527 SH   SOLE 0 0 0 1,527
UNITED PARCEL SERVICE INC CL B 911312106   239,552 1,378 SH   SOLE 0 0 0 1,378
UNITEDHEALTH GROUP INC COM 91324P102   1,427,245 2,692 SH   SOLE 0 0 0 2,692
US BANCORP DEL COM NEW 902973304   284,381 6,521 SH   SOLE 0 0 0 6,521
VALERO ENERGY CORP COM 91913Y100   201,327 1,587 SH   SOLE 0 0 0 1,587
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   337,504 1,600 SH   SOLE 0 0 0 1,600
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   5,100,353 70,996 SH   SOLE 0 0 0 70,996
VANGUARD INDEX FDS SMALL CP ETF 922908751   884,479 4,819 SH   SOLE 0 0 0 4,819
VANGUARD INDEX FDS VALUE ETF 922908744   218,135 1,554 SH   SOLE 0 0 0 1,554
VANGUARD INDEX FDS MID CAP ETF 922908629   933,042 4,578 SH   SOLE 0 0 0 4,578
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   477,972 5,795 SH   SOLE 0 0 0 5,795
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   762,351 8,845 SH   SOLE 0 0 0 8,845
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,456,110 37,355 SH   SOLE 0 0 0 37,355
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   574,084 11,600 SH   SOLE 0 0 0 11,600
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,039,932 40,430 SH   SOLE 0 0 0 40,430
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,623,400 38,680 SH   SOLE 0 0 0 38,680
VERIZON COMMUNICATIONS INC COM 92343V104   399,398 10,137 SH   SOLE 0 0 0 10,137
VISA INC COM CL A 92826C839   873,631 4,205 SH   SOLE 0 0 0 4,205
VOYA FINANCIAL INC COM 929089100   201,933 3,284 SH   SOLE 0 0 0 3,284
WABTEC COM 929740108   297,534 2,981 SH   SOLE 0 0 0 2,981
WALMART INC COM 931142103   723,980 5,106 SH   SOLE 0 0 0 5,106
WASTE MGMT INC DEL COM 94106L109   215,082 1,371 SH   SOLE 0 0 0 1,371
WELLS FARGO CO NEW COM 949746101   243,446 5,896 SH   SOLE 0 0 0 5,896
ZOETIS INC CL A 98978V103   222,170 1,516 SH   SOLE 0 0 0 1,516