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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 422,930 1,415 SH SOLE 0 0 1,415
LINDE PLC SHS G54950103 374,875 799 SH SOLE 0 0 799
MEDTRONIC PLC SHS G5960L103 394,793 4,529 SH SOLE 0 0 4,529
CHUBB LIMITED COM H1467J104 362,440 1,251 SH SOLE 0 0 1,251
CHECK POINT SOFTWARE TECH LT ORD M22465104 889,647 4,021 SH SOLE 0 0 4,021
AFLAC INC COM 001055102 211,448 2,005 SH SOLE 0 0 2,005
ABBOTT LABS COM 002824100 654,001 4,808 SH SOLE 0 0 4,808
ABBVIE INC COM 00287Y109 1,778,611 9,582 SH SOLE 0 0 9,582
AIRBNB INC COM CL A 009066101 473,513 3,578 SH SOLE 0 0 3,578
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 1,508,694 13,303 SH SOLE 0 0 13,303
ALPHABET INC CAP STK CL C 02079K107 5,315,669 29,966 SH SOLE 0 0 29,966
ALPHABET INC CAP STK CL A 02079K305 319,329 1,812 SH SOLE 0 0 1,812
AMAZON COM INC COM 023135106 2,911,086 13,269 SH SOLE 0 0 13,269
AMBEV SA SPONSORED ADR 02319V103 288,959 119,900 SH SOLE 0 0 119,900
AMERICAN EXPRESS CO COM 025816109 4,712,930 14,775 SH SOLE 0 0 14,775
AMGEN INC COM 031162100 1,822,125 6,526 SH SOLE 0 0 6,526
APPLE INC COM 037833100 6,760,653 32,951 SH SOLE 0 0 32,951
APPLIED MATLS INC COM 038222105 1,499,344 8,190 SH SOLE 0 0 8,190
BANK AMERICA CORP COM 060505104 2,217,226 46,856 SH SOLE 0 0 46,856
BANK NEW YORK MELLON CORP COM 064058100 1,967,065 21,590 SH SOLE 0 0 21,590
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,948,339 8,128 SH SOLE 0 0 8,128
BLACKROCK INC COM 09290D101 1,573,932 1,500 SH SOLE 0 0 1,500
BOEING CO COM 097023105 717,012 3,422 SH SOLE 0 0 3,422
BOOKING HOLDINGS INC COM 09857L108 1,007,328 174 SH SOLE 0 0 174
THE CIGNA GROUP COM 125523100 1,149,097 3,476 SH SOLE 0 0 3,476
CVS HEALTH CORP COM 126650100 1,360,364 19,721 SH SOLE 0 0 19,721
CARRIER GLOBAL CORPORATION COM 14448C104 246,138 3,363 SH SOLE 0 0 3,363
CEMEX SAB DE CV SPON ADR NEW 151290889 166,320 24,000 SH SOLE 0 0 24,000
CHIPOTLE MEXICAN GRILL INC COM 169656105 362,168 6,450 SH SOLE 0 0 6,450
CISCO SYS INC COM 17275R102 3,351,470 48,306 SH SOLE 0 0 48,306
COCA COLA CO COM 191216100 1,521,210 21,501 SH SOLE 0 0 21,501
COMCAST CORP NEW CL A 20030N101 1,127,178 31,582 SH SOLE 0 0 31,582
CUMMINS INC COM 231021106 868,530 2,652 SH SOLE 0 0 2,652
DANAHER CORPORATION COM 235851102 303,619 1,537 SH SOLE 0 0 1,537
DEERE & CO COM 244199105 802,398 1,578 SH SOLE 0 0 1,578
DIAGEO PLC SPON ADR NEW 25243Q205 470,117 4,662 SH SOLE 0 0 4,662
DISNEY WALT CO COM 254687106 2,062,831 16,634 SH SOLE 0 0 16,634
DOVER CORP COM 260003108 341,724 1,865 SH SOLE 0 0 1,865
EMERSON ELEC CO COM 291011104 600,252 4,502 SH SOLE 0 0 4,502
EQUITY RESIDENTIAL SH BEN INT 29476L107 294,392 4,362 SH SOLE 0 0 4,362
EXPEDITORS INTL WASH INC COM 302130109 434,036 3,799 SH SOLE 0 0 3,799
META PLATFORMS INC CL A 30303M102 6,002,148 8,132 SH SOLE 0 0 8,132
FEDEX CORP COM 31428X106 1,621,630 7,134 SH SOLE 0 0 7,134
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107 301,984 4,077 SH SOLE 0 0 4,077
GE VERNOVA INC COM 36828A101 1,171,539 2,214 SH SOLE 0 0 2,214
GE AEROSPACE COM NEW 369604301 2,485,358 9,656 SH SOLE 0 0 9,656
GENERAL MTRS CO COM 37045V100 226,366 4,600 SH SOLE 0 0 4,600
GOLDMAN SACHS GROUP INC COM 38141G104 4,133,260 5,840 SH SOLE 0 0 5,840
HOME DEPOT INC COM 437076102 256,178 699 SH SOLE 0 0 699
HONEYWELL INTL INC COM 438516106 1,333,471 5,726 SH SOLE 0 0 5,726
INTEL CORP COM 458140100 643,575 28,731 SH SOLE 0 0 28,731
INTERNATIONAL BUSINESS MACHS COM 459200101 2,355,291 7,990 SH SOLE 0 0 7,990
INTUIT COM 461202103 358,372 455 SH SOLE 0 0 455
ISHARES GOLD TR ISHARES NEW 464285204 414,445 6,646 SH SOLE 0 0 6,646
ISHARES TR CORE S&P500 ETF 464287200 205,518 331 SH SOLE 0 0 331
ISHARES TR ISHS 5-10YR INVT 464288638 394,346 7,400 SH SOLE 0 0 7,400
ISHARES TR ISHS 1-5YR INVS 464288646 680,604 12,900 SH SOLE 0 0 12,900
JPMORGAN CHASE & CO. COM 46625H100 6,491,634 22,392 SH SOLE 0 0 22,392
JOHNSON & JOHNSON COM 478160104 2,424,593 15,873 SH SOLE 0 0 15,873
KELLANOVA COM 487836108 403,933 5,079 SH SOLE 0 0 5,079
KIMBERLY-CLARK CORP COM 494368103 415,381 3,222 SH SOLE 0 0 3,222
KROGER CO COM 501044101 262,461 3,659 SH SOLE 0 0 3,659
LOCKHEED MARTIN CORP COM 539830109 893,398 1,929 SH SOLE 0 0 1,929
LOWES COS INC COM 548661107 830,948 3,745 SH SOLE 0 0 3,745
MCDONALDS CORP COM 580135101 1,370,526 4,691 SH SOLE 0 0 4,691
MCKESSON CORP COM 58155Q103 2,961,438 4,041 SH SOLE 0 0 4,041
MERCK & CO INC COM 58933Y105 2,568,980 32,453 SH SOLE 0 0 32,453
MICROSOFT CORP COM 594918104 14,757,665 29,669 SH SOLE 0 0 29,669
NOVO-NORDISK A S ADR 670100205 508,402 7,366 SH SOLE 0 0 7,366
NUCOR CORP COM 670346105 717,652 5,540 SH SOLE 0 0 5,540
NVIDIA CORPORATION COM 67066G104 704,794 4,461 SH SOLE 0 0 4,461
ORACLE CORP COM 68389X105 4,178,443 19,112 SH SOLE 0 0 19,112
PAYCHEX INC COM 704326107 519,293 3,570 SH SOLE 0 0 3,570
PAYPAL HLDGS INC COM 70450Y103 870,436 11,712 SH SOLE 0 0 11,712
PEPSICO INC COM 713448108 1,165,914 8,830 SH SOLE 0 0 8,830
PFIZER INC COM 717081103 883,282 36,439 SH SOLE 0 0 36,439
POLARIS INC COM 731068102 303,371 7,463 SH SOLE 0 0 7,463
PRICE T ROWE GROUP INC COM 74144T108 492,633 5,105 SH SOLE 0 0 5,105
PROCTER AND GAMBLE CO COM 742718109 959,715 6,024 SH SOLE 0 0 6,024
QUALCOMM INC COM 747525103 1,521,252 9,552 SH SOLE 0 0 9,552
RTX CORPORATION COM 75513E101 1,979,565 13,557 SH SOLE 0 0 13,557
S&P GLOBAL INC COM 78409V104 239,390 454 SH SOLE 0 0 454
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,707,718 6,001 SH SOLE 0 0 6,001
SANOFI SPONSORED ADR 80105N105 365,514 7,566 SH SOLE 0 0 7,566
SCHWAB CHARLES CORP COM 808513105 2,542,620 27,867 SH SOLE 0 0 27,867
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 20,746,105 870,588 SH SOLE 0 0 870,588
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,980,007 81,015 SH SOLE 0 0 81,015
SHOPIFY INC CL A SUB VTG SHS 82509L107 239,352 2,075 SH SOLE 0 0 2,075
SOUTHERN CO COM 842587107 462,446 5,036 SH SOLE 0 0 5,036
STARBUCKS CORP COM 855244109 1,051,932 11,480 SH SOLE 0 0 11,480
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 1,535,603 6,780 SH SOLE 0 0 6,780
TARGET CORP COM 87612E106 807,845 8,189 SH SOLE 0 0 8,189
TESLA INC COM 88160R101 8,081,271 25,440 SH SOLE 0 0 25,440
TEXAS INSTRS INC COM 882508104 1,110,667 5,350 SH SOLE 0 0 5,350
3M CO COM 88579Y101 1,769,737 11,625 SH SOLE 0 0 11,625
TOAST INC CL A 888787108 580,864 13,115 SH SOLE 0 0 13,115
TRUIST FINL CORP COM 89832Q109 342,803 7,974 SH SOLE 0 0 7,974
US BANCORP DEL COM NEW 902973304 444,808 9,830 SH SOLE 0 0 9,830
UBER TECHNOLOGIES INC COM 90353T100 200,595 2,150 SH SOLE 0 0 2,150
UNILEVER PLC SPON ADR NEW 904767704 1,034,691 16,915 SH SOLE 0 0 16,915
UNION PAC CORP COM 907818108 297,494 1,293 SH SOLE 0 0 1,293
UNITED PARCEL SERVICE INC CL B 911312106 279,452 2,768 SH SOLE 0 0 2,768
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 369,890 4,700 SH SOLE 0 0 4,700
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 785,414 5,892 SH SOLE 0 0 5,892
VANGUARD INDEX FDS GROWTH ETF 922908736 524,765 1,197 SH SOLE 0 0 1,197
VISA INC COM CL A 92826C839 353,710 996 SH SOLE 0 0 996
WALMART INC COM 931142103 3,824,617 39,115 SH SOLE 0 0 39,115
WELLS FARGO CO NEW COM 949746101 4,372,630 54,576 SH SOLE 0 0 54,576
WHIRLPOOL CORP COM 963320106 203,348 2,005 SH SOLE 0 0 2,005
ZOOM COMMUNICATIONS INC CL A 98980L101 803,117 10,299 SH SOLE 0 0 10,299