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 Common Stock 002824100 349,899 3,408 SH SOLE 3,408 0 0
ABBVIE INC Common Stock 00287Y109 611,364 2,811 SH SOLE 2,811 0 0
ALPHABET INC Common Stock 02079K107 1,070,562 3,732 SH SOLE 3,732 0 0
ALPHABET INC Common Stock 02079K305 795,391 2,766 SH SOLE 2,766 0 0
AMAZON COM INC Common Stock 023135106 836,204 4,015 SH SOLE 4,015 0 0
AMGEN INC Common Stock 031162100 208,999 594 SH SOLE 594 0 0
APPLE INC Common Stock 037833100 1,830,841 7,214 SH SOLE 7,214 0 0
APPLIED MATLS INC Common Stock 038222105 205,416 601 SH SOLE 601 0 0
BERKSHIRE HATHAWAY INC DEL Common Stock 084670702 439,426 917 SH SOLE 917 0 0
BROWN & BROWN INC Common Stock 115236101 350,047 5,368 SH SOLE 5,368 0 0
CHEVRON CORP NEW Common Stock 166764100 670,977 3,243 SH SOLE 3,243 0 0
CLOROX CO DEL Common Stock 189054109 795,878 7,680 SH SOLE 7,680 0 0
COCA COLA CO Common Stock 191216100 813,127 10,692 SH SOLE 10,692 0 0
COLGATE PALMOLIVE CO Common Stock 194162103 277,850 3,260 SH SOLE 3,260 0 0
CVS HEALTH CORP Common Stock 126650100 215,460 3,000 SH SOLE 3,000 0 0
EDWARDS LIFESCIENCES CORP Common Stock 28176E108 260,580 3,254 SH SOLE 3,254 0 0
EXXON MOBIL CORP Common Stock 30231G102 1,671,660 9,853 SH SOLE 9,853 0 0
FIDELITY COVINGTON TRUST Exchange Traded Fund 31609A206 6,096,150 160,425 SH SOLE 160,425 0 0
GOLDMAN SACHS ETF TR Exchange Traded Fund 38149W622 3,243,393 64,816 SH SOLE 64,816 0 0
GOLDMAN SACHS ETF TR Exchange Traded Fund 38149W622 34,478 689 SH OTR 689 0 0
HALLIBURTON CO Common Stock 406216101 290,709 7,456 SH SOLE 7,456 0 0
HOME DEPOT INC Common Stock 437076102 292,054 888 SH SOLE 888 0 0
HONEYWELL INTL INC Common Stock 438516106 288,188 1,275 SH SOLE 1,275 0 0
INVESCO EXCHANGE TRADED FD TR Exchange Traded Fund 46137V472 5,980,575 57,856 SH SOLE 57,856 0 0
INVESCO EXCHANGE TRADED FD TR Exchange Traded Fund 46137V472 6,306 61 SH OTR 61 0 0
ISHARES INC Exchange Traded Fund 46434G103 291,625 4,181 SH SOLE 4,181 0 0
ISHARES TR Exchange Traded Fund 464287200 18,060,603 27,649 SH SOLE 27,649 0 0
ISHARES TR Exchange Traded Fund 464287507 6,224,375 92,172 SH SOLE 92,172 0 0
ISHARES TR Exchange Traded Fund 464287804 573,939 4,617 SH SOLE 4,617 0 0
ISHARES TR Fixed Income ETF 464288646 1,302,384 24,779 SH SOLE 24,779 0 0
ISHARES TR International Equity ETF 46432F842 283,993 3,137 SH SOLE 3,137 0 0
JPMORGAN CHASE & CO Common Stock 46625H100 900,718 3,062 SH SOLE 3,062 0 0
KINSALE CAP GROUP INC Common Stock 49714P108 346,443 1,014 SH SOLE 1,014 0 0
L3HARRIS TECHNOLOGIES INC Common Stock 502431109 235,392 682 SH SOLE 682 0 0
MASTERCARD INCORPORATED Common Stock 57636Q104 317,284 635 SH SOLE 635 0 0
MCDONALDS CORP Common Stock 580135101 370,151 1,191 SH SOLE 1,191 0 0
META PLATFORMS INC Common Stock 30303M102 509,768 891 SH SOLE 891 0 0
MICROSOFT CORP Common Stock 594918104 1,682,052 4,544 SH SOLE 4,544 0 0
MORGAN STANLEY ETF TRUST Fixed Income ETF 61774R767 5,377,095 106,858 SH SOLE 106,858 0 0
MORGAN STANLEY ETF TRUST Fixed Income ETF 61774R767 12,983 258 SH OTR 258 0 0
ORACLE CORP Common Stock 68389X105 374,395 2,545 SH SOLE 2,545 0 0
PHILIP MORRIS INTL INC Common Stock 718172109 262,560 1,588 SH SOLE 1,588 0 0
QUANTA SVCS INC Common Stock 74762E102 379,922 692 SH SOLE 692 0 0
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y308 4,995,779 60,939 SH SOLE 60,939 0 0
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y860 5,232,936 128,164 SH SOLE 128,164 0 0
SPDR S&P MIDCAP 400 ETF TR Exchange Traded Fund 78467Y107 277,542 450 SH SOLE 450 0 0
TRACTOR SUPPLY CO Common Stock 892356106 399,773 8,825 SH SOLE 8,825 0 0
TRANE TECHNOLOGIES PLC Int'l Common Stock G8994E103 225,456 541 SH SOLE 541 0 0
UNION PAC CORP Common Stock 907818108 218,358 900 SH SOLE 900 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102 204,295 755 SH SOLE 755 0 0
VANECK ETF TRUST Exchange Traded Fund 92189F643 6,837,270 70,706 SH SOLE 70,706 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908363 838,363 1,403 SH SOLE 1,403 0 0
VANGUARD INTL EQUITY INDEX FDS International Equity ETF 922042742 8,035,839 58,096 SH SOLE 58,096 0 0
VANGUARD SCOTTSDALE FDS Fixed Income ETF 92206C847 5,400,711 97,565 SH SOLE 97,565 0 0
VANGUARD SCOTTSDALE FDS Fixed Income ETF 92206C847 9,798 177 SH OTR 177 0 0
VANGUARD TAX-MANAGED FDS Exchange Traded Fund 921943858 390,055 6,087 SH SOLE 6,087 0 0
VANGUARD WHITEHALL FDS Exchange Traded Fund 921946406 984,421 6,647 SH SOLE 6,647 0 0
VANGUARD WHITEHALL FDS Exchange Traded Fund 921946406 9,923 67 SH OTR 67 0 0
VANGUARD WHITEHALL FDS International Equity ETF 921946794 1,149,163 12,194 SH SOLE 12,194 0 0
VANGUARD WHITEHALL FDS International Equity ETF 921946794 10,084 107 SH OTR 107 0 0
VISA INC Common Stock 92826C839 545,845 1,806 SH SOLE 1,806 0 0
WALMART INC Common Stock 931142103 745,680 6,000 SH SOLE 6,000 0 0
WORLD GOLD TR Exchange Traded Fund 98149E303 3,286,509 35,457 SH SOLE 35,457 0 0