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
AT&T INC COM 00206R102 342,270 13,779 SH SOLE 0 0 13,779
ABBVIE INC COM 00287Y109 2,056,410 9,000 SH SOLE 0 0 9,000
ADOBE INC COM 00724F101 296,792 848 SH SOLE 0 0 848
ADVANCED MICRO DEVICES INC COM 007903107 619,137 2,891 SH SOLE 0 0 2,891
AIR LEASE CORP CL A 00912X302 280,043 4,360 SH SOLE 0 0 4,360
AIR PRODS & CHEMS INC COM 009158106 1,690,852 6,845 SH SOLE 0 0 6,845
ALPHABET INC CAP STK CL C 02079K107 513,691 1,637 SH SOLE 0 0 1,637
ALPHABET INC CAP STK CL A 02079K305 4,764,801 15,223 SH SOLE 0 0 15,223
ALTRIA GROUP INC COM 02209S103 241,480 4,188 SH SOLE 0 0 4,188
AMAZON COM INC COM 023135106 2,768,224 11,993 SH SOLE 0 0 11,993
AMGEN INC COM 031162100 2,100,021 6,416 SH SOLE 0 0 6,416
AMPHENOL CORP NEW CL A 032095101 1,032,470 7,640 SH SOLE 0 0 7,640
ANALOG DEVICES INC COM 032654105 1,156,668 4,265 SH SOLE 0 0 4,265
APPLE INC COM 037833100 15,995,156 58,836 SH SOLE 0 0 58,836
APPLIED MATLS INC COM 038222105 561,523 2,185 SH SOLE 0 0 2,185
ASTRAZENECA PLC SPONSORED ADR 046353108 339,681 3,695 SH SOLE 0 0 3,695
AUTOZONE INC COM 053332102 2,991,303 882 SH SOLE 0 0 882
BANK AMERICA CORP COM 060505104 284,350 5,170 SH SOLE 0 0 5,170
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,205,355 2,398 SH SOLE 0 0 2,398
BOEING CO COM 097023105 414,265 1,908 SH SOLE 0 0 1,908
BOOKING HOLDINGS INC COM 09857L108 273,122 51 SH SOLE 0 0 51
BROADCOM INC COM 11135F101 1,461,580 4,223 SH SOLE 0 0 4,223
CME GROUP INC COM 12572Q105 2,165,524 7,930 SH SOLE 0 0 7,930
CAPITAL ONE FINL CORP COM 14040H105 240,421 992 SH SOLE 0 0 992
CARRIER GLOBAL CORPORATION COM 14448C104 239,682 4,536 SH SOLE 0 0 4,536
CHIPOTLE MEXICAN GRILL INC COM 169656105 348,947 9,431 SH SOLE 0 0 9,431
CISCO SYS INC COM 17275R102 209,213 2,716 SH SOLE 0 0 2,716
COCA COLA CO COM 191216100 2,578,152 36,878 SH SOLE 0 0 36,878
CONSTELLATION ENERGY CORP COM 21037T109 480,800 1,361 SH SOLE 0 0 1,361
CROWDSTRIKE HLDGS INC CL A 22788C105 607,044 1,295 SH SOLE 0 0 1,295
CUMMINS INC COM 231021106 1,872,331 3,668 SH SOLE 0 0 3,668
DBX ETF TR XTRACK USD HIGH 233051432 1,140,036 30,954 SH SOLE 0 0 30,954
DIAMONDBACK ENERGY INC COM 25278X109 376,877 2,507 SH SOLE 0 0 2,507
DISNEY WALT CO COM 254687106 1,362,282 11,974 SH SOLE 0 0 11,974
DOLLAR GEN CORP NEW COM 256677105 227,435 1,713 SH SOLE 0 0 1,713
DOMINOS PIZZA INC COM 25754A201 1,386,760 3,327 SH SOLE 0 0 3,327
ECOLAB INC COM 278865100 2,084,146 7,939 SH SOLE 0 0 7,939
EXPEDITORS INTL WASH INC COM 302130109 1,320,080 8,859 SH SOLE 0 0 8,859
EXXON MOBIL CORP COM 30231G102 2,854,946 23,724 SH SOLE 0 0 23,724
META PLATFORMS INC CL A 30303M102 1,503,687 2,278 SH SOLE 0 0 2,278
FASTENAL CO COM 311900104 901,320 22,460 SH SOLE 0 0 22,460
FIRSTENERGY CORP COM 337932107 261,009 5,830 SH SOLE 0 0 5,830
GENERAC HLDGS INC COM 368736104 368,063 2,699 SH SOLE 0 0 2,699
GENERAL DYNAMICS CORP COM 369550108 2,377,493 7,062 SH SOLE 0 0 7,062
GE AEROSPACE COM NEW 369604301 375,489 1,219 SH SOLE 0 0 1,219
GILEAD SCIENCES INC COM 375558103 301,940 2,460 SH SOLE 0 0 2,460
GOLDMAN SACHS GROUP INC COM 38141G104 309,408 352 SH SOLE 0 0 352
HERSHEY CO COM 427866108 2,028,531 11,147 SH SOLE 0 0 11,147
HILTON WORLDWIDE HLDGS INC COM 43300A203 494,070 1,720 SH SOLE 0 0 1,720
HOME DEPOT INC COM 437076102 2,419,711 7,032 SH SOLE 0 0 7,032
HONEYWELL INTL INC COM 438516106 1,695,137 8,689 SH SOLE 0 0 8,689
INTERACTIVE BROKERS GROUP IN COM CL A 45841N107 247,272 3,845 SH SOLE 0 0 3,845
INTERNATIONAL BUSINESS MACHS COM 459200101 2,886,566 9,745 SH SOLE 0 0 9,745
INTUIT COM 461202103 487,541 736 SH SOLE 0 0 736
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 2,751,633 118,656 SH SOLE 0 0 118,656
ISHARES TR CORE S&P500 ETF 464287200 2,300,029 3,358 SH SOLE 0 0 3,358
ISHARES TR CORE S&P MCP ETF 464287507 686,598 10,403 SH SOLE 0 0 10,403
ISHARES TR CORE S&P SCP ETF 464287804 368,472 3,066 SH SOLE 0 0 3,066
ISHARES TR 10+ YR INVST GRD 464289511 473,524 9,386 SH SOLE 0 0 9,386
ISHARES SILVER TR ISHARES 46428Q109 362,362 5,625 SH SOLE 0 0 5,625
JPMORGAN CHASE & CO. COM 46625H100 3,804,452 11,807 SH SOLE 0 0 11,807
JOHNSON & JOHNSON COM 478160104 1,562,679 7,551 SH SOLE 0 0 7,551
LPL FINL HLDGS INC COM 50212V100 202,873 568 SH SOLE 0 0 568
LAM RESEARCH CORP COM NEW 512807306 496,251 2,899 SH SOLE 0 0 2,899
ELI LILLY & CO COM 532457108 764,097 711 SH SOLE 0 0 711
MASTERCARD INCORPORATED CL A 57636Q104 2,000,934 3,505 SH SOLE 0 0 3,505
MCDONALDS CORP COM 580135101 1,917,523 6,274 SH SOLE 0 0 6,274
MERCK & CO INC COM 58933Y105 1,214,279 11,536 SH SOLE 0 0 11,536
MICROSOFT CORP COM 594918104 7,422,605 15,348 SH SOLE 0 0 15,348
MICRON TECHNOLOGY INC COM 595112103 342,492 1,200 SH SOLE 0 0 1,200
MOODYS CORP COM 615369105 1,294,494 2,534 SH SOLE 0 0 2,534
MORGAN STANLEY COM NEW 617446448 2,720,115 15,322 SH SOLE 0 0 15,322
MOTOROLA SOLUTIONS INC COM NEW 620076307 205,460 536 SH SOLE 0 0 536
NVR INC COM 62944T105 867,840 119 SH SOLE 0 0 119
NEXTERA ENERGY INC COM 65339F101 2,301,628 28,670 SH SOLE 0 0 28,670
NIKE INC CL B 654106103 436,610 6,853 SH SOLE 0 0 6,853
NORTHROP GRUMMAN CORP COM 666807102 627,231 1,100 SH SOLE 0 0 1,100
NVIDIA CORPORATION COM 67066G104 3,204,444 17,182 SH SOLE 0 0 17,182
OREILLY AUTOMOTIVE INC COM 67103H107 2,004,340 21,975 SH SOLE 0 0 21,975
ORACLE CORP COM 68389X105 1,091,301 5,599 SH SOLE 0 0 5,599
PALO ALTO NETWORKS INC COM 697435105 850,636 4,618 SH SOLE 0 0 4,618
PHILIP MORRIS INTL INC COM 718172109 484,248 3,019 SH SOLE 0 0 3,019
PROCTER AND GAMBLE CO COM 742718109 1,806,423 12,605 SH SOLE 0 0 12,605
PROGRESSIVE CORP COM 743315103 2,402,901 10,552 SH SOLE 0 0 10,552
PROVIDENT FINL SVCS INC COM 74386T105 392,788 19,888 SH SOLE 0 0 19,888
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 269,326 3,354 SH SOLE 0 0 3,354
QUALCOMM INC COM 747525103 410,178 2,398 SH SOLE 0 0 2,398
RTX CORPORATION COM 75513E101 806,968 4,400 SH SOLE 0 0 4,400
REDWOOD TRUST INC NOTE 7.750% 6/1 758075AF2 49,750 50,000 PRN SOLE 0 0 50,000
ROSS STORES INC COM 778296103 2,252,831 12,506 SH SOLE 0 0 12,506
ROYAL BK CDA COM 780087102 271,250 1,591 SH SOLE 0 0 1,591
S&P GLOBAL INC COM 78409V104 671,528 1,285 SH SOLE 0 0 1,285
SPDR S&P 500 ETF TR TR UNIT 78462F103 400,287 587 SH SOLE 0 0 587
SPDR GOLD TR GOLD SHS 78463V107 871,882 2,200 SH SOLE 0 0 2,200
SPDR SERIES TRUST STATE STREET SPD 78468R663 311,149 3,405 SH SOLE 0 0 3,405
SPDR SERIES TRUST STATE STREET SPD 78468R721 776,887 16,996 SH SOLE 0 0 16,996
SALESFORCE INC COM 79466L302 944,934 3,567 SH SOLE 0 0 3,567
SERVICENOW INC COM 81762P102 987,310 6,445 SH SOLE 0 0 6,445
SOUTHERN CO COM 842587107 1,920,493 22,024 SH SOLE 0 0 22,024
STARBUCKS CORP COM 855244109 368,419 4,375 SH SOLE 0 0 4,375
STRATEGIC ED INC COM 86272C103 678,492 8,460 SH SOLE 0 0 8,460
TJX COS INC NEW COM 872540109 1,727,498 11,246 SH SOLE 0 0 11,246
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 820,807 2,701 SH SOLE 0 0 2,701
TESLA INC COM 88160R101 259,488 577 SH SOLE 0 0 577
TEXAS INSTRS INC COM 882508104 1,752,249 10,100 SH SOLE 0 0 10,100
TRUIST FINL CORP COM 89832Q109 1,224,443 24,882 SH SOLE 0 0 24,882
TWO HARBORS INVENTMENT CORPO NOTE 6.250% 1/1 90187BAB7 553,220 556,000 PRN SOLE 0 0 556,000
UBER TECHNOLOGIES INC COM 90353T100 737,596 9,027 SH SOLE 0 0 9,027
UNITED RENTALS INC COM 911363109 487,214 602 SH SOLE 0 0 602
UNITEDHEALTH GROUP INC COM 91324P102 2,395,952 7,258 SH SOLE 0 0 7,258
VANECK ETF TRUST LONG MUNI ETF 92189F536 1,367,435 78,001 SH SOLE 0 0 78,001
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 378,052 4,797 SH SOLE 0 0 4,797
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 6,890,441 110,300 SH SOLE 0 0 110,300
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 397,867 8,234 SH SOLE 0 0 8,234
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,648,637 67,869 SH SOLE 0 0 67,869
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 2,640,187 34,808 SH SOLE 0 0 34,808
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 709,940 1,132 SH SOLE 0 0 1,132
VERIZON COMMUNICATIONS INC COM 92343V104 293,378 7,203 SH SOLE 0 0 7,203
VERTEX PHARMACEUTICALS INC COM 92532F100 521,817 1,151 SH SOLE 0 0 1,151
VISA INC COM CL A 92826C839 5,322,024 15,175 SH SOLE 0 0 15,175
WEC ENERGY GROUP INC COM 92939U106 232,012 2,200 SH SOLE 0 0 2,200
WALMART INC COM 931142103 2,713,952 24,360 SH SOLE 0 0 24,360
WILLIAMS COS INC COM 969457100 301,933 5,023 SH SOLE 0 0 5,023
WORKDAY INC CL A 98138H101 319,807 1,489 SH SOLE 0 0 1,489
XYLEM INC COM 98419M100 391,790 2,877 SH SOLE 0 0 2,877
ZOETIS INC CL A 98978V103 340,972 2,710 SH SOLE 0 0 2,710
ARCH CAP GROUP LTD ORD G0450A105 1,319,380 13,755 SH SOLE 0 0 13,755
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 742,386 2,767 SH SOLE 0 0 2,767
LINDE PLC SHS G54950103 208,931 490 SH SOLE 0 0 490
MEDTRONIC PLC SHS G5960L103 2,155,971 22,444 SH SOLE 0 0 22,444
SPOTIFY TECHNOLOGY S A SHS L8681T102 388,495 669 SH SOLE 0 0 669
ASML HOLDING N V N Y REGISTRY SHS N07059210 248,208 232 SH SOLE 0 0 232