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
ALPHABET INC CAP STK CL A 02079K305 1,696 9,622 SH SOLE 0 0 9,622
AMAZON COM INC COM 023135106 670 3,055 SH SOLE 0 0 3,055
AMERICAN ELEC PWR CO INC COM 025537101 275 2,646 SH SOLE 0 0 2,646
AMERICAN TOWER CORP NEW COM 03027X100 328 1,482 SH SOLE 0 0 1,482
APPLE INC COM 037833100 985 4,800 SH SOLE 0 0 4,800
ARISTA NETWORKS INC COM SHS 040413205 482 4,708 SH SOLE 0 0 4,708
BAKER HUGHES COMPANY CL A 05722G100 232 6,045 SH SOLE 0 0 6,045
BANK AMERICA CORP 7.25%CNV PFD L 060505682 630 519 SH SOLE 0 0 519
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,186 3 SH SOLE 0 0 3
BOOKING HOLDINGS INC COM 09857L108 411 71 SH SOLE 0 0 71
BP PLC SPONSORED ADR 055622104 251 8,400 SH SOLE 0 0 8,400
BROADCOM INC COM 11135F101 2,232 8,098 SH SOLE 0 0 8,098
CEMEX SAB DE CV SPON ADR NEW 151290889 513 74,014 SH SOLE 0 0 74,014
CHEVRON CORP NEW COM 166764100 415 2,900 SH SOLE 0 0 2,900
CONSTELLATION ENERGY CORP COM 21037T109 226 699 SH SOLE 0 0 699
COSTCO WHSL CORP NEW COM 22160K105 515 520 SH SOLE 0 0 520
CUMMINS INC COM 231021106 250 763 SH SOLE 0 0 763
DEERE & CO COM 244199105 208 410 SH SOLE 0 0 410
DUKE ENERGY CORP NEW COM NEW 26441C204 327 2,775 SH SOLE 0 0 2,775
EATON CORP PLC SHS G29183103 356 997 SH SOLE 0 0 997
ELI LILLY & CO COM 532457108 265 340 SH SOLE 0 0 340
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 5,821 126,840 SH SOLE 0 0 126,840
FORD MTR CO COM 345370860 326 30,000 SH SOLE 0 0 30,000
GE VERNOVA INC COM 36828A101 243 459 SH SOLE 0 0 459
GOLDMAN SACHS GROUP INC COM 38141G104 398 562 SH SOLE 0 0 562
HOME DEPOT INC COM 437076102 416 1,135 SH SOLE 0 0 1,135
INTERNATIONAL BUSINESS MACHS COM 459200101 267 906 SH SOLE 0 0 906
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,084 11,468 SH SOLE 0 0 11,468
INVESCO QQQ TR UNIT SER 1 46090E103 1,226 2,222 SH SOLE 0 0 2,222
ISHARES TR CORE S&P500 ETF 464287200 10,014 16,129 SH SOLE 0 0 16,129
ISHARES TR CORE S&P MCP ETF 464287507 897 14,467 SH SOLE 0 0 14,467
ISHARES TR SELECT DIVID ETF 464287168 1,364 10,273 SH SOLE 0 0 10,273
ISHARES TR MSCI EAFE ETF 464287465 351 3,930 SH SOLE 0 0 3,930
ISHARES TR CORE S&P TTL STK 464287150 559 4,143 SH SOLE 0 0 4,143
ISHARES TR IBOXX HI YD ETF 464288513 1,543 19,130 SH SOLE 0 0 19,130
ISHARES TR PFD AND INCM SEC 464288687 644 21,000 SH SOLE 0 0 21,000
ISHARES TR ISHS 1-5YR INVS 464288646 482 9,139 SH SOLE 0 0 9,139
ISHARES TR CORE US AGGBD ET 464287226 565 5,692 SH SOLE 0 0 5,692
ISHARES TR CORE S&P SCP ETF 464287804 485 4,441 SH SOLE 0 0 4,441
ISHARES TR RUSSELL 3000 ETF 464287689 927 2,641 SH SOLE 0 0 2,641
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 4,711 92,836 SH SOLE 0 0 92,836
JOHNSON & JOHNSON COM 478160104 408 2,674 SH SOLE 0 0 2,674
JPMORGAN CHASE & CO. COM 46625H100 201 695 SH SOLE 0 0 695
KLA CORP COM NEW 482480100 382 426 SH SOLE 0 0 426
MARATHON PETE CORP COM 56585A102 416 2,502 SH SOLE 0 0 2,502
MARSH & MCLENNAN COS INC COM 571748102 372 1,700 SH SOLE 0 0 1,700
MCDONALDS CORP COM 580135101 292 1,000 SH SOLE 0 0 1,000
META PLATFORMS INC CL A 30303M102 841 1,140 SH SOLE 0 0 1,140
MICROSOFT CORP COM 594918104 1,069 2,150 SH SOLE 0 0 2,150
NI HLDGS INC COM 65342T106 275 21,589 SH SOLE 0 0 21,589
NVIDIA CORPORATION COM 67066G104 1,248 7,900 SH SOLE 0 0 7,900
ORACLE CORP COM 68389X105 443 2,025 SH SOLE 0 0 2,025
PALO ALTO NETWORKS INC COM 697435105 346 1,692 SH SOLE 0 0 1,692
PNC FINL SVCS GROUP INC COM 693475105 219 1,175 SH SOLE 0 0 1,175
PROCTER AND GAMBLE CO COM 742718109 371 2,329 SH SOLE 0 0 2,329
RESMED INC COM 761152107 212 820 SH SOLE 0 0 820
S&P GLOBAL INC COM 78409V104 208 395 SH SOLE 0 0 395
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 5,496 230,624 SH SOLE 0 0 230,624
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 8,005 302,057 SH SOLE 0 0 302,057
SERVICENOW INC COM 81762P102 329 320 SH SOLE 0 0 320
SPDR GOLD TR GOLD SHS 78463V107 279 915 SH SOLE 0 0 915
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,076 4,979 SH SOLE 0 0 4,979
SPDR SER TR PORTFLI HIGH YLD 78468R606 19,947 838,101 SH SOLE 0 0 838,101
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 3,979 95,676 SH SOLE 0 0 95,676
STRYKER CORPORATION COM 863667101 475 1,200 SH SOLE 0 0 1,200
T-MOBILE US INC COM 872590104 339 1,421 SH SOLE 0 0 1,421
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109 333 1,372 SH SOLE 0 0 1,372
TESLA INC COM 88160R101 202 635 SH SOLE 0 0 635
TJX COS INC NEW COM 872540109 494 4,000 SH SOLE 0 0 4,000
TRAVELERS COMPANIES INC COM 89417E109 211 790 SH SOLE 0 0 790
UBER TECHNOLOGIES INC COM 90353T100 241 2,585 SH SOLE 0 0 2,585
UNITED RENTALS INC COM 911363109 319 424 SH SOLE 0 0 424
VALERO ENERGY CORP COM 91913Y100 220 1,634 SH SOLE 0 0 1,634
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,399 17,772 SH SOLE 0 0 17,772
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 713 10,260 SH SOLE 0 0 10,260
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,142 14,760 SH SOLE 0 0 14,760
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 22,767 40,080 SH SOLE 0 0 40,080
VANGUARD INDEX FDS MID CAP ETF 922908629 416 1,486 SH SOLE 0 0 1,486
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,030 4,345 SH SOLE 0 0 4,345
VANGUARD INDEX FDS TOTAL STK MKT 922908769 54,254 178,507 SH SOLE 0 0 178,507
VANGUARD INDEX FDS GROWTH ETF 922908736 5,344 12,189 SH SOLE 0 0 12,189
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2,084 7,329 SH SOLE 0 0 7,329
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,186 44,203 SH SOLE 0 0 44,203
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 3,193 47,500 SH SOLE 0 0 47,500
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,916 36,680 SH SOLE 0 0 36,680
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 4,173 73,189 SH SOLE 0 0 73,189
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 13,730 102,990 SH SOLE 0 0 102,990
VERTEX PHARMACEUTICALS INC COM 92532F100 252 567 SH SOLE 0 0 567
VISA INC COM CL A 92826C839 526 1,482 SH SOLE 0 0 1,482
VULCAN MATLS CO COM 929160109 359 1,376 SH SOLE 0 0 1,376
WELLS FARGO CO NEW PERP PFD CNV A 949746804 1,290 1,100 SH SOLE 0 0 1,100
XYLEM INC COM 98419M100 257 1,990 SH SOLE 0 0 1,990