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
3M CO COM 88579Y101 5,131,845 32,054 SH SOLE 0 0 32,054
ABBOTT LABS COM 002824100 317,628 2,535 SH SOLE 0 0 2,535
ABBVIE INC COM 00287Y109 2,283,738 9,995 SH SOLE 0 0 9,995
ADOBE INC COM 00724F101 395,139 1,129 SH SOLE 0 0 1,129
ADVANCED MICRO DEVICES INC COM 007903107 743,349 3,471 SH SOLE 0 0 3,471
ALPHABET INC CAP STK CL A 02079K305 13,852,496 44,257 SH SOLE 0 0 44,257
ALPHABET INC CAP STK CL C 02079K107 1,678,381 5,349 SH SOLE 0 0 5,349
AMAZON COM INC COM 023135106 8,991,805 38,956 SH SOLE 0 0 38,956
AMERICAN EXPRESS CO COM 025816109 1,608,543 4,348 SH SOLE 0 0 4,348
APPLE INC COM 037833100 10,719,911 39,432 SH SOLE 0 0 39,432
ARISTA NETWORKS INC COM SHS 040413205 427,944 3,266 SH SOLE 0 0 3,266
ASML HOLDING N V N Y REGISTRY SHS N07059210 2,246,706 2,100 SH SOLE 0 0 2,100
BANK AMERICA CORP COM 060505104 4,844,337 88,079 SH SOLE 0 0 88,079
BOEING CO COM 097023105 4,991,589 22,990 SH SOLE 0 0 22,990
BROADCOM INC COM 11135F101 777,482 2,246 SH SOLE 0 0 2,246
CARDINAL HEALTH INC COM 14149Y108 531,834 2,588 SH SOLE 0 0 2,588
CATERPILLAR INC COM 149123101 3,224,685 5,629 SH SOLE 0 0 5,629
CAVA GROUP INC COM 148929102 270,972 4,617 SH SOLE 0 0 4,617
CHEVRON CORP NEW COM 166764100 859,697 5,641 SH SOLE 0 0 5,641
CHUBB LIMITED COM H1467J104 3,886,830 12,453 SH SOLE 0 0 12,453
CIENA CORP COM NEW 171779309 228,023 975 SH SOLE 0 0 975
CISCO SYS INC COM 17275R102 5,108,167 66,314 SH SOLE 0 0 66,314
CLOROX CO DEL COM 189054109 363,895 3,609 SH SOLE 0 0 3,609
CONSOLIDATED EDISON INC COM 209115104 289,319 2,913 SH SOLE 0 0 2,913
COSTCO WHSL CORP NEW COM 22160K105 720,869 836 SH SOLE 0 0 836
CUMMINS INC COM 231021106 204,180 400 SH SOLE 0 0 400
DEERE & CO COM 244199105 331,034 711 SH SOLE 0 0 711
DISNEY WALT CO COM 254687106 2,960,755 26,024 SH SOLE 0 0 26,024
DUKE ENERGY CORP NEW COM NEW 26441C204 1,672,587 14,270 SH SOLE 0 0 14,270
ELI LILLY & CO COM 532457108 1,373,144 1,278 SH SOLE 0 0 1,278
EXXON MOBIL CORP COM 30231G102 1,471,036 12,224 SH SOLE 0 0 12,224
FIDELITY COVINGTON TRUST BLUE CHIP GRWTH 316092352 327,974 5,981 SH SOLE 0 0 5,981
GE AEROSPACE COM NEW 369604301 2,096,791 6,807 SH SOLE 0 0 6,807
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107 254,508 3,103 SH SOLE 0 0 3,103
GE VERNOVA INC COM 36828A101 577,102 883 SH SOLE 0 0 883
GOLDMAN SACHS GROUP INC COM 38141G104 2,006,757 2,283 SH SOLE 0 0 2,283
HOME DEPOT INC COM 437076102 4,126,828 11,993 SH SOLE 0 0 11,993
INTEL CORP COM 458140100 2,995,800 81,187 SH SOLE 0 0 81,187
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,999,391 10,437 SH SOLE 0 0 10,437
INVESCO QQQ TR UNIT SER 1 46090E103 6,044,887 9,840 SH SOLE 0 0 9,840
ISHARES INC CORE MSCI EMKT 46434G103 779,483 11,596 SH SOLE 0 0 11,596
ISHARES TR CORE S&P SCP ETF 464287804 911,085 7,581 SH SOLE 0 0 7,581
ISHARES TR SELECT DIVID ETF 464287168 299,217 2,120 SH SOLE 0 0 2,120
ISHARES TR CORE S&P500 ETF 464287200 216,441 316 SH SOLE 0 0 316
ISHARES TR PFD AND INCM SEC 464288687 2,891,850 93,406 SH SOLE 0 0 93,406
ISHARES TR CORE MSCI EAFE 46432F842 1,273,731 14,238 SH SOLE 0 0 14,238
JOHNSON & JOHNSON COM 478160104 4,978,596 24,057 SH SOLE 0 0 24,057
JPMORGAN CHASE & CO. COM 46625H100 3,869,240 12,008 SH SOLE 0 0 12,008
L3HARRIS TECHNOLOGIES INC COM 502431109 757,067 2,579 SH SOLE 0 0 2,579
LOCKHEED MARTIN CORP COM 539830109 5,816,615 12,026 SH SOLE 0 0 12,026
MARKEL GROUP INC COM 570535104 666,392 310 SH SOLE 0 0 310
MARRIOTT INTL INC NEW CL A 571903202 217,788 702 SH SOLE 0 0 702
MASTERCARD INCORPORATED CL A 57636Q104 866,420 1,518 SH SOLE 0 0 1,518
MCDONALDS CORP COM 580135101 316,021 1,034 SH SOLE 0 0 1,034
MCKESSON CORP COM 58155Q103 889,194 1,084 SH SOLE 0 0 1,084
MERCK & CO INC COM 58933Y105 2,562,182 24,341 SH SOLE 0 0 24,341
META PLATFORMS INC CL A 30303M102 3,953,314 5,989 SH SOLE 0 0 5,989
MICROSOFT CORP COM 594918104 9,019,948 18,651 SH SOLE 0 0 18,651
NASDAQ INC COM 631103108 281,677 2,900 SH SOLE 0 0 2,900
NEXTERA ENERGY INC COM 65339F101 1,866,086 23,245 SH SOLE 0 0 23,245
NORTHROP GRUMMAN CORP COM 666807102 1,407,848 2,469 SH SOLE 0 0 2,469
NVIDIA CORPORATION COM 67066G104 13,982,695 74,974 SH SOLE 0 0 74,974
PALANTIR TECHNOLOGIES INC CL A 69608A108 1,131,379 6,365 SH SOLE 0 0 6,365
PALO ALTO NETWORKS INC COM 697435105 298,220 1,619 SH SOLE 0 0 1,619
PROCTER AND GAMBLE CO COM 742718109 227,720 1,589 SH SOLE 0 0 1,589
QUALCOMM INC COM 747525103 266,271 1,557 SH SOLE 0 0 1,557
QUEST DIAGNOSTICS INC COM 74834L100 227,324 1,310 SH SOLE 0 0 1,310
REGENERON PHARMACEUTICALS COM 75886F107 3,782,163 4,900 SH SOLE 0 0 4,900
RTX CORPORATION COM 75513E101 1,171,929 6,390 SH SOLE 0 0 6,390
SCHWAB CHARLES CORP COM 808513105 4,336,936 43,408 SH SOLE 0 0 43,408
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 6,699,293 235,228 SH SOLE 0 0 235,228
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 202,118 7,706 SH SOLE 0 0 7,706
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 6,098,778 202,819 SH SOLE 0 0 202,819
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 3,186,196 136,337 SH SOLE 0 0 136,337
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 354,527 10,868 SH SOLE 0 0 10,868
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 510,180 15,578 SH SOLE 0 0 15,578
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,050,458 76,197 SH SOLE 0 0 76,197
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 1,788,268 71,818 SH SOLE 0 0 71,818
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,370,412 57,005 SH SOLE 0 0 57,005
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,466,121 53,450 SH SOLE 0 0 53,450
SHELL PLC SPON ADS 780259305 1,460,856 19,881 SH SOLE 0 0 19,881
SNOWFLAKE INC COM SHS 833445109 1,170,724 5,337 SH SOLE 0 0 5,337
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 440,202 916 SH SOLE 0 0 916
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,430,283 7,963 SH SOLE 0 0 7,963
STRYKER CORPORATION COM 863667101 448,124 1,275 SH SOLE 0 0 1,275
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 2,065,844 6,798 SH SOLE 0 0 6,798
TARGET CORP COM 87612E106 1,593,032 16,297 SH SOLE 0 0 16,297
TESLA INC COM 88160R101 864,430 1,922 SH SOLE 0 0 1,922
TEXAS INSTRS INC COM 882508104 2,639,477 15,214 SH SOLE 0 0 15,214
UNION PAC CORP COM 907818108 267,637 1,157 SH SOLE 0 0 1,157
UNITEDHEALTH GROUP INC COM 91324P102 5,989,846 18,145 SH SOLE 0 0 18,145
VANGUARD INDEX FDS VALUE ETF 922908744 4,730,083 24,766 SH SOLE 0 0 24,766
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 919,501 4,397 SH SOLE 0 0 4,397
VANGUARD INDEX FDS GROWTH ETF 922908736 271,250 556 SH SOLE 0 0 556
VANGUARD INDEX FDS SM CP VAL ETF 922908611 754,654 3,563 SH SOLE 0 0 3,563
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 10,168,807 16,215 SH SOLE 0 0 16,215
VANGUARD INSTL INDEX FD 0-3 MO TREAS BIL 922040845 218,370 2,895 SH SOLE 0 0 2,895
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,753,308 69,816 SH SOLE 0 0 69,816
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 220,962 3,687 SH SOLE 0 0 3,687
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 383,736 1,746 SH SOLE 0 0 1,746
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 9,121,245 146,010 SH SOLE 0 0 146,010
VISA INC COM CL A 92826C839 4,214,148 12,016 SH SOLE 0 0 12,016
WALMART INC COM 931142103 4,942,414 44,362 SH SOLE 0 0 44,362
WELLS FARGO CO NEW COM 949746101 218,020 2,339 SH SOLE 0 0 2,339