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
Expires: July 31, 2015
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 2,607,414 17,127 SH SOLE 17,127 0 0
ABBVIE INC COM 00287Y109 1,543,987 8,318 SH SOLE 8,318 0 0
AIR PRODS & CHEMS INC COM 009158106 2,802,266 9,935 SH SOLE 9,935 0 0
ALPHABET INC CAP STK CL A 02079K305 228,218 1,295 SH SOLE 1,295 0 0
AMEREN CORP COM 023608102 384,928 4,008 SH SOLE 4,008 0 0
AMERICAN EXPRESS CO COM 025816109 1,339,716 4,200 SH SOLE 4,200 0 0
AMGEN INC COM 031162100 287,866 1,031 SH SOLE 1,031 0 0
APPLE INC COM 037833100 5,961,420 29,056 SH SOLE 29,056 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103 4,120,532 13,361 SH SOLE 13,361 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 245,314 505 SH SOLE 505 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 1,897,149 40,984 SH SOLE 40,984 0 0
CHEVRON CORP NEW COM 166764100 2,647,297 18,488 SH SOLE 18,488 0 0
CISCO SYS INC COM 17275R102 3,655,008 52,681 SH SOLE 52,681 0 0
COCA COLA CO COM 191216100 2,475,684 34,992 SH SOLE 34,992 0 0
COMCAST CORP NEW CL A 20030N101 420,714 11,788 SH SOLE 11,788 0 0
CONOCOPHILLIPS COM 20825C104 274,156 3,055 SH SOLE 3,055 0 0
CSX CORP COM 126408103 587,438 18,003 SH SOLE 18,003 0 0
CVS HEALTH CORP COM 126650100 992,208 14,384 SH SOLE 14,384 0 0
DISNEY WALT CO COM 254687106 2,994,221 24,145 SH SOLE 24,145 0 0
ELEVANCE HEALTH INC COM 036752103 684,181 1,759 SH SOLE 1,759 0 0
ELI LILLY & CO COM 532457108 5,088,772 6,528 SH SOLE 6,528 0 0
EMERSON ELEC CO COM 291011104 1,648,625 12,365 SH SOLE 12,365 0 0
EXXON MOBIL CORP COM 30231G102 4,833,105 44,834 SH SOLE 44,834 0 0
GSK PLC SPON ADR 37733W204 1,210,253 31,517 SH SOLE 31,517 0 0
ILLINOIS TOOL WKS INC COM 452308109 2,342,199 9,473 SH SOLE 9,473 0 0
SELECT SECTOR SPDR TR INDL 81369Y704 214,642 1,455 SH SOLE 1,455 0 0
INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C839 598,132 16,258 SH SOLE 16,258 0 0
INTEL CORP COM 458140100 1,501,024 67,010 SH SOLE 67,010 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 3,662,052 12,423 SH SOLE 12,423 0 0
ISHARES TR CORE S&P 500 ETF 464287200 917,069 1,477 SH SOLE 1,477 0 0
ISHARES TR CORE S&P MCP ETF 464287507 5,438,720 87,693 SH SOLE 87,693 0 0
ISHARES TR CORE S&P SCP ETF 464287804 613,226 5,611 SH SOLE 5,611 0 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1 7,720,566 306,615 SH SOLE 306,615 0 0
ISHARES TR IBONDS DEC2026 46435GAA0 8,132,965 335,380 SH SOLE 335,380 0 0
ISHARES TR IBONDS 27 ETF 46435UAA9 7,836,031 322,869 SH SOLE 322,869 0 0
ISHARES TR IBDS DEC28 ETF 46435U515 6,671,098 262,435 SH SOLE 262,435 0 0
ISHARES TR IBONDS DEC 29 46436E205 5,677,892 243,373 SH SOLE 243,373 0 0
ISHARES TR MSCI EAFE ETF 464287465 793,157 8,873 SH SOLE 8,873 0 0
ISHARES TR EAFE GRWTH ETF 464288885 2,018,352 18,021 SH SOLE 18,021 0 0
ISHARES TR EAFE VALUE ETF 464288877 1,078,525 16,990 SH SOLE 16,990 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 3,890,427 9,163 SH SOLE 9,163 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 2,006,590 10,331 SH SOLE 10,331 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 331,885 1,538 SH SOLE 1,538 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 5,318,425 18,605 SH SOLE 18,605 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 4,429,270 28,076 SH SOLE 28,076 0 0
ISHARES TR RUS MID CAP ETF 464287499 436,214 4,743 SH SOLE 4,743 0 0
ISHARES TR S&P MC 400GR ETF 464287606 5,501,379 60,468 SH SOLE 60,468 0 0
ISHARES TR S&P MC 400VL ETF 464287705 7,370,311 59,640 SH SOLE 59,640 0 0
ISHARES TR S&P SML 600 GWT 464287887 2,235,604 16,804 SH SOLE 16,804 0 0
ISHARES TR SP SMCP600VL ETF 464287879 3,027,083 30,426 SH SOLE 30,426 0 0
ISHARES TR COHEN STEER REIT 464287564 430,566 7,040 SH SOLE 7,040 0 0
JOHNSON & JOHNSON COM 478160104 3,105,713 20,332 SH SOLE 20,332 0 0
JPMORGAN CHASE & CO. COM 46625H100 6,302,353 21,739 SH SOLE 21,739 0 0
KIMBERLY-CLARK CORP COM 494368103 414,220 3,213 SH SOLE 3,213 0 0
LINDE PLC SHS G54950103 2,329,479 4,965 SH SOLE 4,965 0 0
LOCKHEED MARTIN CORP COM 539830109 896,176 1,935 SH SOLE 1,935 0 0
MCDONALDS CORP COM 580135101 4,068,175 13,924 SH SOLE 13,924 0 0
MEDTRONIC PLC SHS G5960L103 368,729 4,230 SH SOLE 4,230 0 0
MERCK & CO INC COM 58933Y105 717,190 9,060 SH SOLE 9,060 0 0
METLIFE INC COM 59156R108 3,074,939 38,236 SH SOLE 38,236 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104 786,385 11,175 SH SOLE 11,175 0 0
MICROSOFT CORP COM 594918104 12,706,836 25,546 SH SOLE 25,546 0 0
NORTHERN TR CORP COM 665859104 3,750,702 29,582 SH SOLE 29,582 0 0
NUCOR CORP COM 670346105 2,264,100 17,478 SH SOLE 17,478 0 0
ONEOK INC NEW COM 682680103 926,664 11,352 SH SOLE 11,352 0 0
ORACLE CORP COM 68389X105 3,716,491 16,999 SH SOLE 16,999 0 0
PEPSICO INC COM 713448108 2,604,885 19,728 SH SOLE 19,728 0 0
PFIZER INC COM 717081103 1,813,467 74,813 SH SOLE 74,813 0 0
PHILIP MORRIS INTL INC COM 718172109 3,690,500 20,263 SH SOLE 20,263 0 0
PNC FINL SVCS GROUP INC COM 693475105 664,401 3,564 SH SOLE 3,564 0 0
PROCTER AND GAMBLE CO COM 742718109 3,178,593 19,951 SH SOLE 19,951 0 0
SCHLUMBERGER LTD COM STK 806857108 1,347,031 39,853 SH SOLE 39,853 0 0
SHELL PLC SPON ADS 780259305 2,324,445 33,013 SH SOLE 33,013 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 552,358 894 SH SOLE 894 0 0
STARBUCKS CORP COM 855244109 2,125,633 23,198 SH SOLE 23,198 0 0
STATE STR CORP COM 857477103 802,867 7,550 SH SOLE 7,550 0 0
SYSCO CORP COM 871829107 782,167 10,327 SH SOLE 10,327 0 0
TARGET CORP COM 87612E106 1,935,612 19,621 SH SOLE 19,621 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 258,295 1,020 SH SOLE 1,020 0 0
UNITED PARCEL SERVICE INC CL B 911312106 1,279,616 12,677 SH SOLE 12,677 0 0
US BANCORP DEL COM NEW 902973304 2,221,368 49,091 SH SOLE 49,091 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 442,701 2,163 SH SOLE 2,163 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 12,386,050 217,261 SH SOLE 217,261 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 800,080 1,825 SH SOLE 1,825 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,957,657 14,685 SH SOLE 14,685 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 328,987 496 SH SOLE 496 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 901,784 11,660 SH SOLE 11,660 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 22,288,929 39,239 SH SOLE 39,239 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,621,313 8,314 SH SOLE 8,314 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 469,967 1,697 SH SOLE 1,697 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 931,066 5,268 SH SOLE 5,268 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 2,226,631 51,459 SH SOLE 51,459 0 0
WALMART INC COM 931142103 1,260,775 12,894 SH SOLE 12,894 0 0
WELLS FARGO CO NEW COM 949746101 3,394,845 42,372 SH SOLE 42,372 0 0