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
ABBVIE INC COM 00287Y109 502,845 2,709 SH SOLE 0 0 2,709
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 448,335 1,500 SH SOLE 0 0 1,500
ALPHABET INC CAP STK CL A 02079K305 860,002 4,880 SH SOLE 0 0 4,880
ALPHABET INC CAP STK CL C 02079K107 2,692,603 15,179 SH SOLE 200 0 14,979
ALTRIA GROUP INC COM 02209S103 2,720,960 46,409 SH SOLE 1,080 0 45,329
AMAZON COM INC COM 023135106 5,915,632 26,964 SH SOLE 320 0 26,644
AMERICAN EXPRESS CO COM 025816109 765,552 2,400 SH SOLE 0 0 2,400
AMERIPRISE FINL INC COM 03076C106 307,962 577 SH SOLE 0 0 577
APPLE INC COM 037833100 3,792,567 18,485 SH SOLE 1,364 0 17,121
ARES CAPITAL CORP COM 04010L103 605,876 27,590 SH SOLE 4,195 0 23,395
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 665,505 1,370 SH SOLE 0 0 1,370
BOSTON SCIENTIFIC CORP COM 101137107 813,631 7,575 SH SOLE 0 0 7,575
CATERPILLAR INC COM 149123101 454,206 1,170 SH SOLE 0 0 1,170
CENCORA INC COM 03073E105 275,862 920 SH SOLE 0 0 920
CHEVRON CORP NEW COM 166764100 336,640 2,351 SH SOLE 0 0 2,351
CHUBB LIMITED COM H1467J104 260,748 900 SH SOLE 0 0 900
CISCO SYS INC COM 17275R102 333,440 4,806 SH SOLE 4,806 0 0
COREWEAVE INC COM CL A 21873S108 396,725 2,433 SH SOLE 0 0 2,433
COSTCO WHSL CORP NEW COM 22160K105 742,455 750 SH SOLE 0 0 750
EATON CORP PLC SHS G29183103 803,228 2,250 SH SOLE 0 0 2,250
ECOLAB INC COM 278865100 404,160 1,500 SH SOLE 0 0 1,500
EOG RES INC COM 26875P101 262,664 2,196 SH SOLE 0 0 2,196
GOLDMAN SACHS GROUP INC COM 38141G104 1,577,575 2,229 SH SOLE 1,038 0 1,191
GRAINGER W W INC COM 384802104 367,205 353 SH SOLE 0 0 353
HOME DEPOT INC COM 437076102 802,575 2,189 SH SOLE 0 0 2,189
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 236,028 10,822 SH SOLE 0 0 10,822
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101 401,293 6,556 SH SOLE 0 0 6,556
ISHARES TR 1 3 YR TREAS BD 464287457 4,343,853 52,424 SH SOLE 11,950 0 40,474
ISHARES TR 3 7 YR TREAS BD 464288661 1,885,314 15,831 SH SOLE 4,351 0 11,480
ISHARES TR CORE S&P MCP ETF 464287507 2,851,990 45,985 SH SOLE 14,980 0 31,005
ISHARES TR CORE S&P SCP ETF 464287804 1,542,956 14,118 SH SOLE 283 0 13,835
ISHARES TR CORE US AGGBD ET 464287226 2,475,938 24,959 SH SOLE 6,027 0 18,932
ISHARES TR IBOXX HI YD ETF 464288513 479,626 5,947 SH SOLE 2,038 0 3,909
ISHARES TR MSCI EAFE ETF 464287465 10,057,805 112,516 SH SOLE 11,126 0 101,390
ISHARES TR MSCI EMG MKT ETF 464287234 449,645 9,321 SH SOLE 2,686 0 6,635
ISHARES TR NATIONAL MUN ETF 464288414 5,976,987 57,207 SH SOLE 14,331 0 42,876
ISHARES TR RUSSELL 2000 ETF 464287655 4,353,563 20,175 SH SOLE 5,007 0 15,168
ISHARES TR SHRT NAT MUN ETF 464288158 7,183,267 67,550 SH SOLE 15,557 0 51,993
ISHARES TR US HLTHCARE ETF 464287762 1,682,257 29,785 SH SOLE 6,670 0 23,115
JOHNSON & JOHNSON COM 478160104 360,948 2,363 SH SOLE 0 0 2,363
JPMORGAN CHASE & CO. COM 46625H100 968,589 3,341 SH SOLE 364 0 2,977
LOCKHEED MARTIN CORP COM 539830109 262,600 567 SH SOLE 0 0 567
MASTERCARD INCORPORATED CL A 57636Q104 1,854,964 3,301 SH SOLE 136 0 3,165
MCDONALDS CORP COM 580135101 309,408 1,059 SH SOLE 0 0 1,059
META PLATFORMS INC CL A 30303M102 4,221,875 5,720 SH SOLE 0 0 5,720
MICROSOFT CORP COM 594918104 3,584,336 7,206 SH SOLE 208 0 6,998
MONDELEZ INTL INC CL A 609207105 261,397 3,876 SH SOLE 132 0 3,744
NXP SEMICONDUCTORS N V COM N6596X109 458,829 2,100 SH SOLE 0 0 2,100
PAYPAL HLDGS INC COM 70450Y103 228,014 3,068 SH SOLE 0 0 3,068
PEPSICO INC COM 713448108 293,129 2,220 SH SOLE 0 0 2,220
PROCTER AND GAMBLE CO COM 742718109 286,776 1,800 SH SOLE 0 0 1,800
RTX CORPORATION COM 75513E101 262,836 1,800 SH SOLE 0 0 1,800
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 240,693 4,596 SH SOLE 0 0 4,596
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 256,594 3,169 SH SOLE 0 0 3,169
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 3,815,416 15,067 SH SOLE 3,958 0 11,109
SPDR GOLD TR GOLD SHS 78463V107 2,365,786 7,761 SH SOLE 1,240 0 6,521
SPDR S&P 500 ETF TR TR UNIT 78462F103 50,848,437 82,299 SH SOLE 28,288 0 54,011
SPDR SERIES TRUST NUVEEN ICE SHORT 78468R739 4,859,576 101,601 SH SOLE 40,938 0 60,663
STRYKER CORPORATION COM 863667101 746,949 1,888 SH SOLE 568 0 1,320
TJX COS INC NEW COM 872540109 207,463 1,680 SH SOLE 0 0 1,680
TMC THE METALS COMPANY INC COM 87261Y106 1,268,117 192,139 SH SOLE 192,139 0 0
VALERO ENERGY CORP COM 91913Y100 294,917 2,194 SH SOLE 0 0 2,194
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,611,764 33,186 SH SOLE 6,650 0 26,536
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 810,298 11,005 SH SOLE 143 0 10,862
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,501,596 7,792 SH SOLE 377 0 7,415
VANGUARD INDEX FDS GROWTH ETF 922908736 1,575,384 3,593 SH SOLE 686 0 2,907
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 253,376 2,845 SH SOLE 600 0 2,245
VANGUARD INDEX FDS VALUE ETF 922908744 2,857,535 16,168 SH SOLE 3,002 0 13,166
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 365,606 7,391 SH SOLE 2,047 0 5,344
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 429,642 3,343 SH SOLE 0 0 3,343
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,081,940 13,048 SH SOLE 4,163 0 8,885
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,255,336 28,369 SH SOLE 8,628 0 19,741
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,353,583 6,613 SH SOLE 1,242 0 5,371
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,055,834 36,060 SH SOLE 36,060 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 401,933 3,015 SH SOLE 194 0 2,821
WALMART INC COM 931142103 596,654 6,102 SH SOLE 864 0 5,238