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
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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 2,043 11,004 SH SOLE 10,932 0 72
Alphabet Inc A COM 02079K305 4,428 25,126 SH SOLE 25,010 0 116
Alphabet Inc C COM 02079K107 676 3,811 SH SOLE 3,811 0 0
Amazon.com Inc COM 023135106 5,148 23,465 SH SOLE 23,359 0 106
American Tower Corp COM 03027X100 843 3,812 SH SOLE 3,812 0 0
American Water Works Co Inc COM 030420103 1,443 10,372 SH SOLE 10,372 0 0
Amgen Inc COM 031162100 1,915 6,858 SH SOLE 6,821 0 37
Apple Inc COM 037833100 11,390 55,517 SH SOLE 55,277 0 240
Automatic Data Processing Inc COM 053015103 3,518 11,408 SH SOLE 11,364 0 44
Bank of America Corporation COM 060505104 946 20,000 SH SOLE 20,000 0 0
Berkshire Hathaway Inc B COM 084670702 3,352 6,900 SH SOLE 6,900 0 0
BlackRock Inc COM 09290D101 2,846 2,712 SH SOLE 2,696 0 16
Blackstone Inc COM 09260D107 1,501 10,035 SH SOLE 10,035 0 0
Boeing Co COM 097023105 1,523 7,269 SH SOLE 7,269 0 0
Bristol-Myers Squibb Company COM 110122108 1,000 21,597 SH SOLE 21,597 0 0
Broadcom Inc Com COM 11135F101 3,427 12,432 SH SOLE 12,346 0 86
Chevron Corp COM 166764100 1,180 8,243 SH SOLE 8,243 0 0
Chubb Ltd COM H1467J104 2,186 7,545 SH SOLE 7,496 0 49
Cisco Systems Inc COM 17275R102 1,625 23,428 SH SOLE 23,428 0 0
CME Group Inc Class A COM 12572Q105 1,168 4,239 SH SOLE 4,239 0 0
Coca-Cola Co COM 191216100 730 10,317 SH SOLE 10,317 0 0
Cognizant Technology Solutions COM 192446102 905 11,598 SH SOLE 11,598 0 0
Corning Inc COM 219350105 1,278 24,305 SH SOLE 24,305 0 0
Corpay Inc COM 219948106 900 2,713 SH SOLE 2,713 0 0
Costco Wholesale Corp COM 22160K105 2,143 2,165 SH SOLE 2,157 0 8
CrowdStrike Holdings Inc COM 22788C105 1,494 2,933 SH SOLE 2,933 0 0
Crown Castle International Corp COM 22822V101 369 3,596 SH SOLE 3,596 0 0
Delta Air Lines Inc COM 247361702 1,317 26,788 SH SOLE 26,788 0 0
Digital Realty Trust Inc COM 253868103 472 2,710 SH SOLE 2,710 0 0
Eli Lilly and Co COM 532457108 2,148 2,755 SH SOLE 2,744 0 11
Equinix Inc COM 29444U700 445 560 SH SOLE 560 0 0
Exxon Mobil Corp COM 30231G102 1,099 10,192 SH SOLE 10,074 0 118
Fiserv Inc COM 337738108 1,640 9,512 SH SOLE 9,464 0 48
Flutter Entertainment PLC COM G3643J108 1,755 6,141 SH SOLE 6,110 0 31
Goldman Sachs Group Inc COM 38141G104 1,050 1,484 SH SOLE 1,484 0 0
Honeywell International Inc COM 438516106 913 3,922 SH SOLE 3,922 0 0
Illinois Tool Works Inc COM 452308109 1,094 4,423 SH SOLE 4,423 0 0
iShares Residential Real Estate Capd ETF COM 464288562 196 2,375 SH SOLE 2,375 0 0
Johnson & Johnson COM 478160104 2,091 13,690 SH SOLE 13,620 0 70
JPMorgan Chase & Co COM 46625H100 2,690 9,279 SH SOLE 9,220 0 59
Kimberly-Clark Corp COM 494368103 947 7,342 SH SOLE 7,283 0 59
Linde plc COM G54950103 1,712 3,648 SH SOLE 3,620 0 28
Martin Marietta Materials Inc COM 573284106 1,936 3,527 SH SOLE 3,510 0 17
Medtronic PLC COM G5960L103 1,278 14,665 SH SOLE 14,574 0 91
Merck & Co Inc COM 58933Y105 825 10,422 SH SOLE 10,390 0 32
Meta Platforms COM 30303M102 5,087 6,892 SH SOLE 6,892 0 0
Microsoft Corp COM 594918104 12,234 24,596 SH SOLE 24,473 0 123
Netflix Inc COM 64110L106 2,542 1,898 SH SOLE 1,890 0 8
NextEra Energy Inc COM 65339F101 1,787 25,741 SH SOLE 25,571 0 170
NVIDIA Corp COM 67066G104 8,621 54,565 SH SOLE 54,309 0 256
PayPal Holdings Inc COM 70450Y103 1,109 14,918 SH SOLE 14,918 0 0
PepsiCo Inc COM 713448108 934 7,077 SH SOLE 7,077 0 0
Procter & Gamble Co COM 742718109 523 3,285 SH SOLE 3,285 0 0
Prologis Inc COM 74340W103 745 7,084 SH SOLE 7,084 0 0
Public Storage COM 74460D109 385 1,313 SH SOLE 1,313 0 0
Realty Income Corp COM 756109104 408 7,083 SH SOLE 7,083 0 0
S&P Global Inc COM 78409V104 2,253 4,273 SH SOLE 4,250 0 23
Salesforce Inc COM 79466L302 991 3,633 SH SOLE 3,633 0 0
Schwab 1 5 Year Corp Bond ETF COM 808524714 606 24,435 SH SOLE 24,435 0 0
Schwab Int-Term US Treasury ETF COM 808524854 461 18,434 SH SOLE 18,434 0 0
Schwab Short-Term US Treasury ETF COM 808524862 434 17,820 SH SOLE 17,820 0 0
Schwab US Aggregate Bond ETF COM 808524839 649 27,914 SH SOLE 27,914 0 0
Schwab US Broad Market ETF COM 808524102 546 22,924 SH SOLE 22,924 0 0
Schwab US Dividend Equity ETF COM 808524797 667 25,162 SH SOLE 25,162 0 0
Schwab US Large-Cap Growth ETF COM 808524300 716 24,524 SH SOLE 24,524 0 0
Schwab US Large-Cap Value ETF COM 808524409 1,719 62,114 SH SOLE 56,834 0 5,280
Schwab US Mid-Cap ETF COM 808524508 361 12,874 SH SOLE 12,874 0 0
Schwab US REIT ETF COM 808524847 1,095 51,759 SH SOLE 51,759 0 0
Schwab US TIPS ETF COM 808524870 1,580 59,220 SH SOLE 59,220 0 0
Simon Property Group Inc COM 828806109 406 2,525 SH SOLE 2,525 0 0
SPDR Gold Shares COM 78463V107 2,077 6,815 SH SOLE 6,815 0 0
Starbucks Corp COM 855244109 1,192 13,008 SH SOLE 13,008 0 0
Stryker Corp COM 863667101 2,452 6,197 SH SOLE 6,169 0 28
Sysco Corp COM 871829107 1,096 14,474 SH SOLE 14,474 0 0
The Home Depot Inc COM 437076102 1,073 2,926 SH SOLE 2,926 0 0
The Travelers Companies Inc COM 89417E109 898 3,355 SH SOLE 3,355 0 0
Uber Technologies Inc COM 90353T100 1,776 19,033 SH SOLE 19,033 0 0
Union Pacific Corp COM 907818108 1,845 8,021 SH SOLE 7,966 0 55
Vertiv Holdings Co COM 92537N108 618 4,812 SH SOLE 4,812 0 0
Visa Inc Class A COM 92826C839 4,031 11,354 SH SOLE 11,305 0 49
Waste Management Inc COM 94106L109 1,810 7,908 SH SOLE 7,857 0 51
Waters Corp COM 941848103 1,120 3,210 SH SOLE 3,210 0 0
Welltower Inc Com COM 95040Q104 722 4,696 SH SOLE 4,696 0 0