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 11,036,796 88,090 SH SOLE 0 0 88,090
ABBVIE INC COM 00287Y109 13,483,652 59,012 SH SOLE 14,978 0 44,034
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 14,493,566 54,020 SH SOLE 0 0 54,020
AFLAC INC COM 001055102 2,238,481 20,300 SH SOLE 0 0 20,300
ALLSTATE CORP COM 020002101 852,166 4,094 SH SOLE 0 0 4,094
ALPHABET INC CAP STK CL C 02079K107 28,638,329 91,263 SH SOLE 16,583 0 74,680
ALPHABET INC CAP STK CL A 02079K305 14,364,237 45,892 SH SOLE 18,867 0 27,025
ALPS ETF TR ALERIAN MLP 00162Q452 632,795 13,458 SH SOLE 0 0 13,458
AMAZON COM INC COM 023135106 24,173,548 104,729 SH SOLE 25,058 0 79,671
AMGEN INC COM 031162100 458,234 1,400 SH SOLE 0 0 1,400
AMPHENOL CORP NEW CL A 032095101 540,560 4,000 SH SOLE 0 0 4,000
APOLLO GLOBAL MGMT INC COM 03769M106 19,334,869 133,565 SH SOLE 32,443 0 101,122
APPLE INC COM 037833100 60,679,874 223,203 SH SOLE 45,846 0 177,357
APPLIED MATLS INC COM 038222105 22,265,357 86,639 SH SOLE 5,831 0 80,808
APPLOVIN CORP COM CL A 03831W108 16,999,805 25,229 SH SOLE 13,318 0 11,911
AVERY DENNISON CORP COM 053611109 668,409 3,675 SH SOLE 1,949 0 1,726
BANK AMERICA CORP COM 060505104 1,211,320 22,024 SH SOLE 0 0 22,024
BANK NOVA SCOTIA HALIFAX COM 064149107 294,760 4,000 SH SOLE 0 0 4,000
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 924,876 1,840 SH SOLE 0 0 1,840
BOOKING HOLDINGS INC COM 09857L108 1,370,964 256 SH SOLE 136 0 120
BROADCOM INC COM 11135F101 204,934 592 SH SOLE 0 0 592
CANADIAN NATL RY CO COM 136375102 5,525,715 55,900 SH SOLE 0 0 55,900
CATERPILLAR INC COM 149123101 1,058,260 1,847 SH SOLE 0 0 1,847
CENCORA INC COM 03073E105 1,347,960 3,991 SH SOLE 2,116 0 1,875
CENTERPOINT ENERGY INC COM 15189t107 226,206 5,900 SH SOLE 0 0 5,900
CHEVRON CORP NEW COM 166764100 2,154,773 14,138 SH SOLE 0 0 14,138
CISCO SYS INC COM 17275R102 410,108 5,324 SH SOLE 0 0 5,324
CITIGROUP INC COM NEW 172967424 262,930 2,253 SH SOLE 0 0 2,253
COLUMBIA ETF TR II EM CORE EX ETF 19762B202 350,810 9,145 SH SOLE 0 0 9,145
CONOCOPHILLIPS COM 20825C104 600,602 6,416 SH SOLE 0 0 6,416
CONSTELLATION ENERGY COM COM 21037t109 264,952 750 SH SOLE 0 0 750
CORNING INC COM 219350105 665,456 7,600 SH SOLE 0 0 7,600
COSTCO WHSL CORP NEW COM 22160K105 539,825 626 SH SOLE 0 0 626
CSX CORP COM 126408103 320,942 8,854 SH SOLE 0 0 8,854
CUMMINS INC COM 231021106 2,874,854 5,632 SH SOLE 1,822 0 3,810
D R HORTON INC COM 23331A109 979,692 6,802 SH SOLE 3,610 0 3,192
DEERE & CO COM 244199105 1,934,485 4,155 SH SOLE 0 0 4,155
DEVON ENERGY CORP NEW COM 25179m103 787,655 21,503 SH SOLE 11,401 0 10,102
DIAMONDBACK ENERGY INC COM 25278x109 330,726 2,200 SH SOLE 0 0 2,200
DOLLAR TREE INC COM 256746108 2,714,708 22,069 SH SOLE 11,656 0 10,413
EATON CORP PLC SHS G29183103 1,242,189 3,900 SH SOLE 0 0 3,900
ECOLAB INC COM 278865100 10,719,217 40,832 SH SOLE 0 0 40,832
EDWARDS LIFESCIENCES CORP COM 28176E108 2,761,929 32,398 SH SOLE 0 0 32,398
ELEVANCE HEALTH INC FORMERLY COM 036752103 847,279 2,417 SH SOLE 1,282 0 1,135
ELI LILLY & CO COM 532457108 13,563,536 12,621 SH SOLE 6,474 0 6,147
EMERSON ELEC CO COM 291011104 902,496 6,800 SH SOLE 0 0 6,800
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 733,305 44,470 SH SOLE 0 0 44,470
ENTERPRISE PRODS PARTNERS L COM 293792107 1,195,646 37,294 SH SOLE 0 0 37,294
EQUINIX INC COM 29444U700 879,552 1,148 SH SOLE 609 0 539
EXXON MOBIL CORP COM 30231G102 553,652 4,601 SH SOLE 0 0 4,601
FIRST TR EXCHANGE-TRADED FD COM SHS ANNUAL 33718M105 341,234 4,286 SH SOLE 0 0 4,286
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 634,723 12,697 SH SOLE 7,424 0 5,273
FISERV INC COM 337738108 8,342,514 124,200 SH SOLE 0 0 124,200
GALLAGHER ARTHUR J & CO COM 363576109 16,845,676 65,094 SH SOLE 0 0 65,094
GENERAL DYNAMICS CORP COM 369550108 3,386,800 10,060 SH SOLE 0 0 10,060
GOLDMAN SACHS ETF TR ACCESS HIG YLD 381430453 740,393 16,337 SH SOLE 8,973 0 7,364
GOLDMAN SACHS GROUP INC COM 38141G104 14,693,364 16,716 SH SOLE 0 0 16,716
HOME DEPOT INC COM 437076102 443,201 1,288 SH SOLE 0 0 1,288
HONEYWELL INTL INC COM 438516106 11,494,312 58,918 SH SOLE 0 0 58,918
ILLINOIS TOOL WKS INC COM 452308109 1,275,834 5,180 SH SOLE 0 0 5,180
INTERDIGITAL INC COM 45867G101 5,030,404 15,800 SH SOLE 0 0 15,800
INVESCO EXCHANGE TRADED FD T AEROSPACE DEFN 46137V100 249,042 1,590 SH SOLE 0 0 1,590
ISHARES INC MSCI EMRG CHN 46434G764 5,294,483 72,846 SH SOLE 0 0 72,846
ISHARES INC CORE MSCI EMKT 46434G103 5,930,484 88,225 SH SOLE 0 0 88,225
ISHARES TR 3 7 YR TREAS BD 464288661 900,854 7,548 SH SOLE 4,084 0 3,464
ISHARES TR CORE S&P SCP ETF 464287804 15,324,794 127,515 SH SOLE 0 0 127,515
ISHARES TR RUS 2000 GRW ETF 464287648 729,034 2,257 SH SOLE 1,131 0 1,126
ISHARES TR CORE MSCI EAFE 46432F842 18,874,525 210,983 SH SOLE 0 0 210,983
ISHARES TR CORE S&P TTL STK 464287150 713,712 4,800 SH SOLE 0 0 4,800
ISHARES TR IBONDS 28 TRM TS 46436E833 805,140 36,000 SH SOLE 0 0 36,000
ISHARES TR CORE S&P500 ETF 464287200 3,060,312 4,468 SH SOLE 0 0 4,468
ISHARES TR IBONDS 27 TRM TS 46436E841 737,016 32,800 SH SOLE 0 0 32,800
ISHARES TR MBS ETF 464288588 633,023 6,648 SH SOLE 3,536 0 3,112
ISHARES TR IBOND DEC 2030 46436E593 595,350 30,000 SH SOLE 0 0 30,000
ISHARES TR IBONDS DEC 2031 46436E460 603,435 29,400 SH SOLE 0 0 29,400
ISHARES TR SHRT NAT MUN ETF 464288158 2,452,393 22,984 SH SOLE 0 0 22,984
ISHARES TR RUS 1000 GRW ETF 464287614 1,426,526 3,014 SH SOLE 1,608 0 1,406
ISHARES TR MRNGSTR INC ETF 46432F875 257,040 12,000 SH SOLE 0 0 12,000
ISHARES TR U.S. TECH ETF 464287721 636,580 3,188 SH SOLE 0 0 3,188
ISHARES TR TIPS BD ETF 464287176 471,624 4,291 SH SOLE 2,329 0 1,962
ISHARES TR CORE S&P MCP ETF 464287507 18,913,205 286,564 SH SOLE 0 0 286,564
ISHARES TR IBONDS 29 TRM TS 46436E825 807,576 36,800 SH SOLE 0 0 36,800
ISHARES TR RUS 2000 VAL ETF 464287630 1,142,710 6,306 SH SOLE 3,153 0 3,153
ISHARES U S ETF TR IT RT HDG HGYL 46431W606 781,144 9,062 SH SOLE 3,897 0 5,165
J P MORGAN EXCHANGE TRADED F ACTIVE BOND ETF 46654Q716 33,577,686 621,004 SH SOLE 0 0 621,004
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 22,072,297 466,152 SH SOLE 0 0 466,152
J P MORGAN EXCHANGE TRADED F INTRNL RES EQT 46641Q134 20,405,196 272,505 SH SOLE 0 0 272,505
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 2,975,460 58,920 SH SOLE 0 0 58,920
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 533,036 10,464 SH SOLE 0 0 10,464
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 545,257 11,096 SH SOLE 6,239 0 4,857
JOHNSON & JOHNSON COM 478160104 17,628,596 85,183 SH SOLE 0 0 85,183
JPMORGAN CHASE & CO. COM 46625H100 28,454,545 88,308 SH SOLE 2,746 0 85,562
JPMORGAN ULTRA-SHORT INCOME ET ULTRA SHRT ETF 46641q837 8,069,365 159,505 SH SOLE 0 0 159,505
KINDER MORGAN INC DEL COM 49456B101 2,983,985 108,548 SH SOLE 0 0 108,548
KROGER CO COM 501044101 603,807 9,664 SH SOLE 5,122 0 4,542
LABCORP HOLDINGS INC COM SHS 504922105 6,657,853 26,538 SH SOLE 0 0 26,538
LIFESTANCE HEALTH GROUP COM 53228f101 1,190,351 169,084 SH SOLE 0 0 169,084
LOCKHEED MARTIN CORP COM 539830109 12,517,380 25,880 SH SOLE 0 0 25,880
LOWES COS INC COM 548661107 897,839 3,723 SH SOLE 1,901 0 1,822
MAGNUM ICE CREAM CO NV ORD SHS N5505D105 271,859 17,152 SH SOLE 0 0 17,152
MASTERCARD INCORPORATED CL A 57636Q104 5,018,606 8,791 SH SOLE 4,580 0 4,211
MCCORMICK & CO INC COM NON VTG 579780206 204,330 3,000 SH SOLE 0 0 3,000
MEDTRONIC PLC SHS G5960L103 11,898,568 123,866 SH SOLE 0 0 123,866
MERCK & CO INC COM 58933Y105 854,080 8,114 SH SOLE 0 0 8,114
META PLATFORMS INC CL A 30303M102 266,676 404 SH SOLE 0 0 404
MICROSOFT CORP COM 594918104 45,074,802 93,203 SH SOLE 13,499 0 79,704
MORGAN STANLEY COM NEW 617446448 383,465 2,160 SH SOLE 0 0 2,160
NETAPP INC COM 64110D104 673,168 6,286 SH SOLE 3,186 0 3,100
NETFLIX INC COM 64110L106 8,804,064 93,900 SH SOLE 49,455 0 44,445
NIKE INC CL B 654106103 651,626 10,228 SH SOLE 0 0 10,228
NORFOLK SOUTHN CORP COM 655844108 316,075 1,095 SH SOLE 0 0 1,095
NORTHROP GRUMMAN CORP COM 666807102 945,978 1,659 SH SOLE 880 0 779
NOVARTIS AG SPONSORED ADR 66987V109 13,485,340 97,812 SH SOLE 0 0 97,812
NOVO-NORDISK A S ADR 670100205 10,134,685 199,188 SH SOLE 0 0 199,188
NVIDIA CORPORATION COM 67066G104 39,891,792 213,897 SH SOLE 24,503 0 189,394
ODYSSEY MARINE EXPL INC COM NEW 676118201 70,580 36,010 SH SOLE 0 0 36,010
ORACLE CORP COM 68389X105 311,466 1,598 SH SOLE 0 0 1,598
OREILLY AUTOMOTIVE INC COM 67103H107 1,231,335 13,500 SH SOLE 0 0 13,500
PALO ALTO NETWORKS INC COM 697435105 7,637,116 41,461 SH SOLE 20,033 0 21,428
PAYCHEX INC COM 704326107 381,412 3,400 SH SOLE 0 0 3,400
PEPSICO INC COM 713448108 7,237,283 50,427 SH SOLE 2,201 0 48,226
PFIZER INC COM 717081103 337,744 13,564 SH SOLE 0 0 13,564
PHILIP MORRIS INTL INC COM 718172109 320,800 2,000 SH SOLE 0 0 2,000
PNC FINL SVCS GROUP INC COM 693475105 1,032,170 4,945 SH SOLE 2,357 0 2,588
PRICE T ROWE GROUP INC COM 74144T108 7,565,472 73,896 SH SOLE 0 0 73,896
PROCTER AND GAMBLE CO COM 742718109 9,125,408 63,676 SH SOLE 0 0 63,676
PUBLIC STORAGE OPER CO COM 74460D109 650,826 2,508 SH SOLE 1,395 0 1,113
QUALCOMM INC COM 747525103 17,387,232 101,650 SH SOLE 15,506 0 86,144
ROCKWELL AUTOMATION INC COM 773903109 9,010,083 23,158 SH SOLE 0 0 23,158
ROYAL CARIBBEAN GROUP COM V7780T103 5,213,573 18,692 SH SOLE 9,784 0 8,908
RTX CORPORATION COM 75513E101 23,794,315 129,740 SH SOLE 0 0 129,740
SALESFORCE INC COM 79466L302 5,007,594 18,903 SH SOLE 9,066 0 9,837
SCHWAB CHARLES CORP COM 808513105 6,503,242 65,091 SH SOLE 34,456 0 30,635
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,056,712 72,216 SH SOLE 0 0 72,216
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,363,545 45,346 SH SOLE 0 0 45,346
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 2,501,678 102,654 SH SOLE 0 0 102,654
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 30,818,656 944,778 SH SOLE 0 0 944,778
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 224,272 6,848 SH SOLE 0 0 6,848
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 21,420,843 780,928 SH SOLE 0 0 780,928
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,141,985 43,537 SH SOLE 0 0 43,537
SEI INVTS CO COM 784117103 2,181,814 26,601 SH SOLE 25,801 0 800
SELECT SECTOR SPDR TR STATE STREET CON 81369Y407 214,938 1,800 SH SOLE 0 0 1,800
SELECT SECTOR SPDR TR STATE STREET FIN 81369Y605 376,489 6,874 SH SOLE 0 0 6,874
SHELL PLC SPON ADS 780259305 266,585 3,628 SH SOLE 0 0 3,628
SHERWIN WILLIAMS CO COM 824348106 3,803,788 11,739 SH SOLE 6,107 0 5,632
SHORE BANCSHARES INC COM 825107105 495,924 28,050 SH SOLE 0 0 28,050
SLB LIMITED COM STK 806857108 2,507,749 65,340 SH SOLE 0 0 65,340
SLR INVESTMENT CORP COM 83413U100 278,280 18,000 SH SOLE 0 0 18,000
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 34,663,916 72,131 SH SOLE 0 0 72,131
SPDR S&P 500 ETF TR TR UNIT 78462F103 36,989,387 54,243 SH SOLE 5 0 54,238
SPDR SERIES TRUST STATE STREET SPD 78468R622 721,104 7,418 SH SOLE 4,049 0 3,369
SPDR SERIES TRUST STATE STREET SPD 78464A847 231,061 3,990 SH SOLE 0 0 3,990
SPDR SERIES TRUST STATE STREET SPD 78464A359 1,356,554 15,208 SH SOLE 0 0 15,208
SPDR SERIES TRUST STATE STREET SPD 78464A508 21,396,490 376,632 SH SOLE 0 0 376,632
SPDR SERIES TRUST STATE STREET SPD 78464A672 938,655 32,547 SH SOLE 19,531 0 13,016
STRYKER CORPORATION COM 863667101 12,343,626 35,120 SH SOLE 0 0 35,120
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109 7,118,914 27,805 SH SOLE 14,710 0 13,095
TARGET CORP COM 87612E106 430,882 4,408 SH SOLE 0 0 4,408
TELUS CORPORATION COM 87971M103 189,648 14,400 SH SOLE 0 0 14,400
TESLA INC COM 88160R101 232,056 516 SH SOLE 0 0 516
TEXTRON INC COM 883203101 2,222,835 25,500 SH SOLE 0 0 25,500
THE REAL BROKERAGE INC COM NEW 75585H206 51,100 14,000 SH SOLE 0 0 14,000
THERMO FISHER SCIENTIFIC INC COM 883556102 5,044,692 8,706 SH SOLE 4,475 0 4,231
TIMOTHY PLAN US LRGMD CP CORE 887432359 319,786 7,036 SH SOLE 0 0 7,036
TJX COS INC NEW COM 872540109 21,446,788 139,618 SH SOLE 0 0 139,618
UNILEVER PLC SPON ADR NEW 904767803 7,448,154 113,886 SH SOLE 0 0 113,886
UNITED RENTALS INC COM 911363109 11,439,738 14,135 SH SOLE 7,406 0 6,729
UNITEDHEALTH GROUP INC COM 91324P102 5,899,726 17,872 SH SOLE 5,729 0 12,143
VALERO ENERGY CORP COM 91913Y100 2,659,175 16,335 SH SOLE 4,165 0 12,170
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 814,409 27,734 SH SOLE 15,110 0 12,624
VANGUARD INDEX FDS SML CP GRW ETF 922908595 738,961 2,446 SH SOLE 0 0 2,446
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,841,973 5,494 SH SOLE 0 0 5,494
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,278,937 25,858 SH SOLE 0 0 25,858
VANGUARD MALVERN FDS CORE BD ETF 922020748 41,330,152 530,588 SH SOLE 0 0 530,588
VANGUARD MUN BD FDS CORE TAX EXEMPT 922907712 3,773,512 49,934 SH SOLE 0 0 49,934
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 3,605,270 43,048 SH SOLE 0 0 43,048
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 5,278,126 66,200 SH SOLE 0 0 66,200
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,787,691 8,134 SH SOLE 0 0 8,134
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,718,925 27,516 SH SOLE 0 0 27,516
VERTIV HOLDINGS CO COM CL A 92537N108 25,922,410 160,005 SH SOLE 43,655 0 116,350
VISA INC COM CL A 92826C839 956,441 2,727 SH SOLE 0 0 2,727
WELLS FARGO CO NEW COM 949746101 228,340 2,450 SH SOLE 0 0 2,450
WILLIAMS SONOMA INC COM 969904101 742,803 4,159 SH SOLE 0 0 4,159
WISDOMTREE TR US SMALLCAP FUND 97717W562 458,742 8,058 SH SOLE 0 0 8,058