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
ABBOTT LABS COM 002824100 418,695 3,126 SH SOLE 0 0 3,126
ABBVIE INC COM 00287Y109 280,484 1,211 SH SOLE 0 0 1,211
ADOBE INC COM 00724F101 265,268 752 SH SOLE 0 0 752
AFLAC INC COM 001055102 416,878 3,732 SH SOLE 0 0 3,732
AIR PRODS & CHEMS INC COM 009158106 395,138 1,449 SH SOLE 0 0 1,449
ALPHABET INC CAP STK CL A 02079K305 887,859 3,652 SH SOLE 0 0 3,652
ALPHABET INC CAP STK CL C 02079K107 280,673 1,152 SH SOLE 0 0 1,152
ALTRIA GROUP INC COM 02209S103 612,807 9,277 SH SOLE 0 0 9,277
AMAZON COM INC COM 023135106 1,315,430 5,991 SH SOLE 0 0 5,991
AMEREN CORP COM 023608102 284,465 2,725 SH SOLE 0 0 2,725
AMERICAN CENTY ETF TR US SML CP VALU 025072877 308,761 3,102 SH SOLE 0 0 3,102
AMERICAN ELEC PWR CO INC COM 025537101 298,493 2,653 SH SOLE 0 0 2,653
AMGEN INC COM 031162100 451,246 1,599 SH SOLE 0 0 1,599
APPLE INC COM 037833100 2,771,594 10,885 SH SOLE 0 0 10,885
ARCHER DANIELS MIDLAND CO COM 039483102 310,156 5,192 SH SOLE 0 0 5,192
AT&T INC COM 00206R102 372,680 13,197 SH SOLE 0 0 13,197
BANK AMERICA CORP COM 060505104 537,219 10,413 SH SOLE 0 0 10,413
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 244,834 487 SH SOLE 0 0 487
BLACKROCK INC COM 09290D101 640,075 549 SH SOLE 0 0 549
BP PLC SPONSORED ADR 055622104 264,728 7,682 SH SOLE 0 0 7,682
BROADCOM INC COM 11135F101 565,134 1,713 SH SOLE 0 0 1,713
CARDINAL HEALTH INC COM 14149Y108 339,820 2,165 SH SOLE 0 0 2,165
CHEVRON CORP NEW COM 166764100 850,218 5,475 SH SOLE 0 0 5,475
CISCO SYS INC COM 17275R102 332,349 4,857 SH SOLE 0 0 4,857
CLOROX CO DEL COM 189054109 744,804 6,041 SH SOLE 0 0 6,041
COCA COLA CO COM 191216100 1,028,961 15,515 SH SOLE 0 0 15,515
COLGATE PALMOLIVE CO COM 194162103 692,065 8,657 SH SOLE 0 0 8,657
CONSOLIDATED EDISON INC COM 209115104 602,628 5,995 SH SOLE 0 0 5,995
CORNING INC COM 219350105 605,908 7,386 SH SOLE 0 0 7,386
DARDEN RESTAURANTS INC COM 237194105 279,959 1,471 SH SOLE 0 0 1,471
DEERE & CO COM 244199105 956,031 2,091 SH SOLE 0 0 2,091
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 1,931,174 28,209 SH SOLE 0 0 28,209
DUKE ENERGY CORP NEW COM NEW 26441C204 905,133 7,314 SH SOLE 0 0 7,314
ELI LILLY & CO COM 532457108 1,744,722 2,287 SH SOLE 0 0 2,287
ENBRIDGE INC COM 29250N105 389,400 7,717 SH SOLE 0 0 7,717
ENTERPRISE PRODS PARTNERS L COM 293792107 712,858 22,797 SH SOLE 0 0 22,797
EXXON MOBIL CORP COM 30231G102 1,152,275 10,220 SH SOLE 0 0 10,220
FIDELITY COVINGTON TRUST HIGH DIVID ETF 316092840 5,403,932 97,001 SH SOLE 0 0 97,001
FRANKLIN TEMPLETON ETF TR INTL COR DIV TIL 35473P108 1,423,544 38,154 SH SOLE 0 0 38,154
GENERAL MLS INC COM 370334104 499,263 9,902 SH SOLE 0 0 9,902
GSK PLC SPONSORED ADR 37733W204 223,670 5,182 SH SOLE 0 0 5,182
HOME DEPOT INC COM 437076102 442,040 1,091 SH SOLE 0 0 1,091
INTERNATIONAL BUSINESS MACHS COM 459200101 201,641 715 SH SOLE 0 0 715
INVESCO QQQ TR UNIT SER 1 46090E103 1,476,310 2,459 SH SOLE 0 0 2,459
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101 231,660 3,564 SH SOLE 0 0 3,564
ISHARES TR U.S. TECH ETF 464287721 211,809 1,081 SH SOLE 0 0 1,081
ISHARES TR ISHS 1-5YR INVS 464288646 9,510,593 179,344 SH SOLE 0 0 179,344
ISHARES TR 0-5YR HI YL CP 46434V407 9,185,705 212,141 SH SOLE 0 0 212,141
ISHARES TR PFD AND INCM SEC 464288687 238,455 7,541 SH SOLE 0 0 7,541
ISHARES TR FLTG RATE NT ETF 46429B655 1,704,951 33,375 SH SOLE 0 0 33,375
ISHARES TR CORE S&P500 ETF 464287200 1,047,224 1,565 SH SOLE 0 0 1,565
ISHARES TR CORE DIV GRWTH 46434V621 17,664,971 259,474 SH SOLE 0 0 259,474
JOHNSON & JOHNSON COM 478160104 1,886,245 10,173 SH SOLE 0 0 10,173
JPMORGAN CHASE & CO. COM 46625H100 1,990,463 6,310 SH SOLE 0 0 6,310
KELLANOVA COM 487836108 422,220 5,148 SH SOLE 0 0 5,148
KIMBERLY-CLARK CORP COM 494368103 579,918 4,664 SH SOLE 0 0 4,664
LOCKHEED MARTIN CORP COM 539830109 2,229,598 4,466 SH SOLE 0 0 4,466
LOWES COS INC COM 548661107 444,023 1,767 SH SOLE 0 0 1,767
MASTERCARD INCORPORATED CL A 57636Q104 380,079 668 SH SOLE 0 0 668
MCDONALDS CORP COM 580135101 1,932,530 6,359 SH SOLE 0 0 6,359
MEDTRONIC PLC SHS G5960L103 335,150 3,519 SH SOLE 0 0 3,519
MERCK & CO INC COM 58933Y105 257,385 3,067 SH SOLE 0 0 3,067
META PLATFORMS INC CL A 30303M102 301,162 410 SH SOLE 0 0 410
MICROSOFT CORP COM 594918104 7,373,417 14,236 SH SOLE 0 0 14,236
MORGAN STANLEY COM NEW 617446448 220,557 1,387 SH SOLE 0 0 1,387
NEXTERA ENERGY INC COM 65339F101 261,252 3,461 SH SOLE 0 0 3,461
NIKE INC CL B 654106103 360,598 5,171 SH SOLE 0 0 5,171
NVIDIA CORPORATION COM 67066G104 526,597 2,822 SH SOLE 0 0 2,822
PACER FDS TR US CASH COWS 100 69374H881 1,095,650 19,065 SH SOLE 0 0 19,065
PALO ALTO NETWORKS INC COM 697435105 293,213 1,440 SH SOLE 0 0 1,440
PAYCHEX INC COM 704326107 975,796 7,698 SH SOLE 0 0 7,698
PEPSICO INC COM 713448108 1,136,900 8,095 SH SOLE 0 0 8,095
PFIZER INC COM 717081103 334,799 13,140 SH SOLE 0 0 13,140
PHILIP MORRIS INTL INC COM 718172109 745,651 4,597 SH SOLE 0 0 4,597
PHILLIPS 66 COM 718546104 254,662 1,872 SH SOLE 0 0 1,872
PIMCO ETF TR INTER MUN BD ACT 72201R866 266,912 5,105 SH SOLE 0 0 5,105
PNC FINL SVCS GROUP INC COM 693475105 377,289 1,878 SH SOLE 0 0 1,878
PROCTER AND GAMBLE CO COM 742718109 1,998,268 13,005 SH SOLE 0 0 13,005
PROLOGIS INC. COM 74340W103 258,311 2,256 SH SOLE 0 0 2,256
REALTY INCOME CORP COM 756109104 627,272 10,319 SH SOLE 0 0 10,319
SALESFORCE INC COM 79466L302 276,693 1,167 SH SOLE 0 0 1,167
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 5,262,041 188,604 SH SOLE 0 0 188,604
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 31,524,448 1,196,828 SH SOLE 0 0 1,196,828
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 11,318,758 354,709 SH SOLE 0 0 354,709
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 12,817,809 550,593 SH SOLE 0 0 550,593
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 17,920,499 656,429 SH SOLE 0 0 656,429
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,651,291 70,358 SH SOLE 0 0 70,358
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 5,177,905 174,693 SH SOLE 0 0 174,693
SOUTHERN CO COM 842587107 1,426,219 15,049 SH SOLE 0 0 15,049
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 635,788 1,371 SH SOLE 0 0 1,371
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,116,518 1,676 SH SOLE 0 0 1,676
STARBUCKS CORP COM 855244109 713,216 8,430 SH SOLE 0 0 8,430
SYSCO CORP COM 871829107 781,490 9,491 SH SOLE 0 0 9,491
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 311,967 1,117 SH SOLE 0 0 1,117
TARGET CORP COM 87612E106 789,669 8,803 SH SOLE 0 0 8,803
TEXAS INSTRS INC COM 882508104 202,578 1,103 SH SOLE 0 0 1,103
TORONTO DOMINION BK ONT COM NEW 891160509 362,813 4,538 SH SOLE 0 0 4,538
UNILEVER PLC SPON ADR NEW 904767704 530,085 8,942 SH SOLE 0 0 8,942
UNION PAC CORP COM 907818108 245,519 1,039 SH SOLE 0 0 1,039
UNITED PARCEL SERVICE INC CL B 911312106 384,386 4,602 SH SOLE 0 0 4,602
US BANCORP DEL COM NEW 902973304 762,712 15,781 SH SOLE 0 0 15,781
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 899,756 11,402 SH SOLE 0 0 11,402
VANGUARD BD INDEX FDS INTERMED TERM 921937819 759,768 9,729 SH SOLE 0 0 9,729
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 8,175,200 109,926 SH SOLE 0 0 109,926
VANGUARD INDEX FDS SMALL CP ETF 922908751 206,316 811 SH SOLE 0 0 811
VANGUARD INDEX FDS MID CAP ETF 922908629 1,059,931 3,608 SH SOLE 0 0 3,608
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 9,182,676 114,884 SH SOLE 0 0 114,884
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 820,659 13,671 SH SOLE 0 0 13,671
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 12,834,912 152,597 SH SOLE 0 0 152,597
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 691,655 11,543 SH SOLE 0 0 11,543
VANGUARD WORLD FD UTILITIES ETF 92204A876 241,707 1,276 SH SOLE 0 0 1,276
VERIZON COMMUNICATIONS INC COM 92343V104 664,217 15,113 SH SOLE 0 0 15,113
VISA INC COM CL A 92826C839 435,790 1,277 SH SOLE 0 0 1,277
WALMART INC COM 931142103 3,327,968 32,292 SH SOLE 0 0 32,292
WASTE MGMT INC DEL COM 94106L109 1,806,815 8,182 SH SOLE 0 0 8,182
WELLS FARGO CO NEW COM 949746101 293,273 3,499 SH SOLE 0 0 3,499
WISDOMTREE TR INTL LRGCAP DV 97717W794 5,228,445 83,985 SH SOLE 0 0 83,985
WISDOMTREE TR US QTLY DIV GRT 97717X669 3,163,980 35,566 SH SOLE 0 0 35,566
WISDOMTREE TR US SMALLCAP DIVD 97717W604 1,650,910 49,018 SH SOLE 0 0 49,018
WISDOMTREE TR US MIDCAP DIVID 97717W505 2,400,625 45,901 SH SOLE 0 0 45,901
WISDOMTREE TR US LARGECAP DIVD 97717W307 511,472 5,877 SH SOLE 0 0 5,877