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
AMAZON COM INC COM Stock 023135106 10,029,087 48,154 SH SOLE 48,154 0 0
INVESCO QQQ TRUST SERIES I ETF 46090E103 1,882,861 3,262 SH SOLE 3,262 0 0
STATE STREET TECHNOLOGY SELECT SECTOR SPDR ETF ETF 81369Y803 967,096 7,277 SH SOLE 7,276 0 0
STARBUCKS CORP COM Stock 855244109 349,858 3,905 SH SOLE 3,905 0 0
ISHARES GOLD TRUST ETF 464285204 534,867 6,067 SH SOLE 6,067 0 0
EBAY INC. COM Stock 278642103 236,834 2,602 SH SOLE 2,602 0 0
ISHARES CORE INTERNATIONAL AGGREGATE BOND ETF ETF 46435G672 251,851 5,033 SH SOLE 5,033 0 0
MONSTER BEVERAGE CORP NEW COM Stock 61174X109 416,428 5,747 SH SOLE 5,747 0 0
JOHNSON & JOHNSON COM Stock 478160104 1,520,840 6,222 SH SOLE 6,221 0 0
WASTE MGMT INC DEL COM Stock 94106L109 289,535 1,260 SH SOLE 1,260 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769 78,407,708 244,405 SH SOLE 244,405 0 0
COSTCO WHOLESALE CORPORATION COM Stock 22160K105 1,837,486 1,844 SH SOLE 1,844 0 0
HCA HEALTHCARE INC COM Stock 40412C101 223,369 472 SH SOLE 472 0 0
GOLDMAN SACHS GROUP INC COM Stock 38141G104 662,410 783 SH SOLE 783 0 0
PROCTER & GAMBLE CO COM Stock 742718109 1,380,681 9,559 SH SOLE 9,558 0 0
COCA COLA CO COM Stock 191216100 2,816,747 135,723 SH SOLE 135,723 0 0
INTEL CORP COM Stock 458140100 484,768 10,985 SH SOLE 10,985 0 0
CME GROUP INC COM Stock 12572Q105 439,185 1,487 SH SOLE 1,487 0 0
STATE STR CORP COM Stock 857477103 248,690 1,965 SH SOLE 1,965 0 0
NETFLIX INC. COM Stock 64110L106 1,226,874 12,760 SH SOLE 12,760 0 0
PACCAR INC COM Stock 693718108 302,432 2,618 SH SOLE 2,618 0 0
ISHARES SILVER TRUST ETF 46428Q109 641,061 9,408 SH SOLE 9,408 0 0
STATE STREET SPDR S&P SEMICONDUCTOR ETF ETF 78464A862 957,918 2,937 SH SOLE 2,937 0 0
MERCK & CO INC COM Stock 58933Y105 864,776 7,189 SH SOLE 7,189 0 0
STATE STREET SPDR S&P 500 ETF ETF 78462F103 5,852,410 8,999 SH SOLE 8,999 0 0
MCKESSON CORP COM Stock 58155Q103 373,836 432 SH SOLE 432 0 0
MASTERCARD INCORPORATED CL A Stock 57636Q104 1,034,119 2,070 SH SOLE 2,069 0 0
ILLINOIS TOOL WKS INC COM Stock 452308109 578,637 2,223 SH SOLE 2,223 0 0
UNITED RENTALS INC COM Stock 911363109 274,667 377 SH SOLE 377 0 0
VERTEX PHARMACEUTICALS INC COM Stock 92532F100 262,566 588 SH SOLE 588 0 0
CORNING INC COM Stock 219350105 475,759 3,499 SH SOLE 3,499 0 0
HOWMET AEROSPACE INC COM Stock 443201108 222,394 965 SH SOLE 965 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104 276,351 5,505 SH SOLE 5,505 0 0
CHUBB LTD SWITZ COM Stock H1467J104 292,359 897 SH SOLE 897 0 0
FEDEX CORP COM Stock 31428X106 347,276 975 SH SOLE 975 0 0
SHERWIN WILLIAMS CO COM Stock 824348106 221,180 690 SH SOLE 690 0 0
PEPSICO INC COM Stock 713448108 263,230 1,695 SH SOLE 1,695 0 0
HONEYWELL INTL INC COM Stock 438516106 697,085 3,084 SH SOLE 3,084 0 0
FORD MTR CO COM Stock 345370860 216,687 18,777 SH SOLE 18,777 0 0
HOME DEPOT INC COM Stock 437076102 2,073,874 6,306 SH SOLE 6,305 0 0
AUTOMATIC DATA PROCESSING INC COM Stock 053015103 416,935 2,052 SH SOLE 2,052 0 0
STATE STREET HEALTH CARE SELECT SECTOR SPDR ETF ETF 81369Y209 495,077 3,377 SH SOLE 3,376 0 0
SOUTHERN CO COM Stock 842587107 1,281,793 13,280 SH SOLE 13,280 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 15,343,613 35,984 SH SOLE 35,984 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 1,950,069 77,692 SH SOLE 77,692 0 0
FLEXSHARES CORE SELECT BOND FUND CORE SELECT BOND FUND ETF 33939L670 214,384 9,640 SH SOLE 9,640 0 0
ATMOS ENERGY CORP COM Stock 049560105 216,122 1,170 SH SOLE 1,170 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 5,226,155 10,906 SH SOLE 10,906 0 0
ADOBE INC COM Stock 00724F101 206,861 851 SH SOLE 851 0 0
ALPHABET INC CAP STK CL A Stock 02079K305 7,030,554 24,449 SH SOLE 24,449 0 0
PROGRESSIVE CORP COM Stock 743315103 2,445,973 12,338 SH SOLE 12,338 0 0
INTUIT COM Stock 461202103 436,636 1,010 SH SOLE 1,009 0 0
CSX CORP COM Stock 126408103 318,794 7,766 SH SOLE 7,766 0 0
COMCAST CORP NEW CL A Stock 20030N101 235,680 8,209 SH SOLE 8,209 0 0
MICROSOFT CORP COM Stock 594918104 10,346,031 27,949 SH SOLE 27,949 0 0
NISOURCE INC COM Stock 65473P105 401,556 8,606 SH SOLE 8,606 0 0
SIMON PPTY GROUP INC NEW COM REIT 828806109 346,386 1,857 SH SOLE 1,857 0 0
GARMIN LTD SHS Stock H2906T109 292,333 1,260 SH SOLE 1,260 0 0
NEXTERA ENERGY INC COM Stock 65339F101 675,135 7,269 SH SOLE 7,268 0 0
BERKSHIRE HATHAWAY INC DEL CL A Stock 084670108 1,436,280 2 SH SOLE 2 0 0
BOEING CO COM Stock 097023105 237,642 1,194 SH SOLE 1,194 0 0
VANGUARD MID-CAP ETF ETF 922908629 341,172 1,188 SH SOLE 1,188 0 0
TESLA INC COM Stock 88160R101 13,944,714 37,511 SH SOLE 37,511 0 0
LINDE PLC SHS Stock G54950103 679,994 1,372 SH SOLE 1,371 0 0
STATE STREET FINANCIAL SELECT SECTOR SPDR ETF ETF 81369Y605 213,920 4,333 SH SOLE 4,333 0 0
NORFOLK SOUTHN CORP COM Stock 655844108 234,192 816 SH SOLE 816 0 0
VANGUARD INDUSTRIALS ETF ETF 92204A603 312,220 1,000 SH SOLE 1,000 0 0
VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702 1,620,106 2,322 SH SOLE 2,322 0 0
AMPHENOL CORP CL A Stock 032095101 255,480 2,022 SH SOLE 2,022 0 0
WELLTOWER INC COM REIT 95040Q104 337,096 1,705 SH SOLE 1,705 0 0
ARCH CAP GROUP LTD ORD Stock G0450A105 247,750 2,581 SH SOLE 2,581 0 0
VANGUARD S&P 500 ETF ETF 922908363 612,489 1,025 SH SOLE 1,025 0 0
FIFTH THIRD BANCORP COM Stock 316773100 335,674 7,225 SH SOLE 7,225 0 0
UBER TECHNOLOGIES INC COM Stock 90353T100 201,836 2,806 SH SOLE 2,806 0 0
GENERAL MTRS CO COM Stock 37045V100 230,205 3,090 SH SOLE 3,090 0 0
CROWDSTRIKE HLDGS INC CL A Stock 22788C105 338,876 868 SH SOLE 868 0 0
ELI LILLY & CO COM Stock 532457108 2,644,709 2,875 SH SOLE 2,875 0 0
AIR PRODUCTS AND CHEMICALS INC COM Stock 009158106 200,159 689 SH SOLE 689 0 0
VANGUARD RUSSELL 1000 GROWTH ETF ETF 92206C680 413,862 3,773 SH SOLE 3,773 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655 1,907,120 7,690 SH SOLE 7,690 0 0
APOLLO GLOBAL MGMT INC COM Stock 03769M106 520,601 4,672 SH SOLE 4,672 0 0
HUNTINGTON INGALLS INDS INC COM Stock 446413106 239,337 630 SH SOLE 630 0 0
DIGITAL RLTY TR INC COM REIT 253868103 245,402 1,362 SH SOLE 1,361 0 0
MICRON TECHNOLOGY INC COM Stock 595112103 928,046 2,747 SH SOLE 2,747 0 0
FREEPORT MCMORAN INC CL B Stock 35671D857 268,154 4,562 SH SOLE 4,562 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168 465,283 3,073 SH SOLE 3,073 0 0
MARATHON PETE CORP COM Stock 56585A102 219,762 900 SH SOLE 900 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611 203,563 937 SH SOLE 937 0 0
PALANTIR TECHNOLOGIES INC CL A Stock 69608A108 573,856 3,923 SH SOLE 3,923 0 0
JANUS HENDERSON AAA CLO ETF ETF 47103U845 8,362,902 166,029 SH SOLE 166,029 0 0
ENERGY TRANSFER L P COM UT LTD PTN Stock 29273V100 299,922 15,540 SH SOLE 15,540 0 0
BLUE OWL CAPITAL INC COM CL A Stock 09581B103 479,105 462,186 SH SOLE 462,186 0 0
VISA INC COM CL A Stock 92826C839 1,575,628 5,213 SH SOLE 5,213 0 0
ATAIBECKLEY INC COM SHS Stock 04650F101 70,800 20,000 SH SOLE 20,000 0 0
ENACT HLDGS INC COM Stock 29249E109 1,849,917 45,330 SH SOLE 45,330 0 0
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595 384,160 1,271 SH SOLE 1,271 0 0
VANGUARD VALUE ETF ETF 922908744 8,694,077 44,312 SH SOLE 44,312 0 0
VANGUARD GROWTH ETF ETF 922908736 19,390,100 44,392 SH SOLE 44,392 0 0
SPIRE INC COM Stock 84857L101 3,517,751 38,853 SH SOLE 38,853 0 0
CHENIERE ENERGY INC COM NEW Stock 16411R208 273,261 963 SH SOLE 963 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150 11,883,811 83,436 SH SOLE 83,436 0 0
CONSTELLATION ENERGY CORP COM Stock 21037T109 569,949 2,041 SH SOLE 2,041 0 0
META PLATFORMS INC CL A Stock 30303M102 3,157,013 5,518 SH SOLE 5,518 0 0
CAPITAL GROUP DIVIDEND VALUE ETF ETF 14020W106 474,917 11,164 SH SOLE 11,164 0 0
CAPITAL GROUP CORE EQUITY ETF ETF 14020V108 367,872 9,575 SH SOLE 9,575 0 0
UNITED BANKSHARES INC WEST VA COM Stock 909907107 1,805,498 43,590 SH SOLE 43,590 0 0
SERVICENOW INC COM Stock 81762P102 216,105 2,067 SH SOLE 2,067 0 0
BROADCOM INC COM Stock 11135F101 4,981,873 16,096 SH SOLE 16,096 0 0
JOHNSON CTLS INTL PLC SHS Stock G51502105 252,210 1,926 SH SOLE 1,926 0 0
MOODYS CORP COM Stock 615369105 244,736 561 SH SOLE 561 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842 28,770,342 317,799 SH SOLE 317,798 0 0
CF INDUSTRIES HOLD COM Stock 125269100 227,090 1,749 SH SOLE 1,749 0 0
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101 13,318,941 67,169 SH SOLE 67,169 0 0
NVIDIA CORPORATION COM Stock 67066G104 15,459,178 88,642 SH SOLE 88,642 0 0
WESTERN DIGITAL CORP COM Stock 958102105 288,342 1,066 SH SOLE 1,066 0 0
CUMMINS INC COM Stock 231021106 225,968 420 SH SOLE 420 0 0
ABBVIE INC COM Stock 00287Y109 1,376,632 6,330 SH SOLE 6,329 0 0
S&P GLOBAL INC COM Stock 78409V104 432,996 1,018 SH SOLE 1,018 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103 13,500,810 193,560 SH SOLE 193,560 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835 24,768,437 336,345 SH SOLE 336,344 0 0
CAVA GROUP INC COM Stock 148929102 257,909 3,188 SH SOLE 3,188 0 0
TAIWAN SEMICONDUCTOR MANUFACT SPONSORED ADS ADR 874039100 442,039 1,308 SH SOLE 1,308 0 0
QUALCOMM INC COM Stock 747525103 267,605 2,078 SH SOLE 2,078 0 0
T-MOBILE US INC COM Stock 872590104 274,929 1,309 SH SOLE 1,309 0 0
GENERAL DYNAMICS CORP COM Stock 369550108 926,361 2,699 SH SOLE 2,699 0 0
INTUITIVE SURGICAL INC COM NEW Stock 46120E602 343,899 746 SH SOLE 746 0 0
MCDONALDS CORP COM Stock 580135101 1,124,104 3,617 SH SOLE 3,616 0 0
INTERCONTINENTAL EXCHANGE INC COM Stock 45866F104 226,011 1,437 SH SOLE 1,437 0 0
CISCO SYS INC COM Stock 17275R102 684,507 8,822 SH SOLE 8,822 0 0
CAPITAL ONE FINL CORP COM Stock 14040H105 208,335 1,142 SH SOLE 1,142 0 0
ADVANCED MICRO DEVICES INC COM Stock 007903107 1,194,541 5,872 SH SOLE 5,872 0 0
ISHARES BITCOIN TRUST ETF ETF 46438F101 2,714,872 70,663 SH SOLE 70,663 0 0
WISDOMTREE US QUALITY DIVIDEND GROWTH FUND ETF 97717X669 323,866 3,687 SH SOLE 3,687 0 0
AT&T INC COM Stock 00206R102 391,017 13,488 SH SOLE 13,488 0 0
GE VERNOVA INC COM Stock 36828A101 870,281 997 SH SOLE 997 0 0
ISHARES BIOTECHNOLOGY ETF ETF 464287556 318,636 1,887 SH SOLE 1,887 0 0
GE AEROSPACE COM NEW Stock 369604301 1,147,282 4,043 SH SOLE 4,043 0 0
STATE STREET CONSUMER DISCRETIONARY SELECT SECTOR SPDR ETF ETF 81369Y407 430,035 3,946 SH SOLE 3,946 0 0
EXPEDIA GROUP INC COM NEW Stock 30212P303 251,901 1,091 SH SOLE 1,091 0 0
ISHARES ETHEREUM TRUST ETF ETF 46438R105 380,917 24,063 SH SOLE 24,063 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 2,226,828 3,409 SH SOLE 3,409 0 0
WELLS FARGO & CO COM Stock 949746101 458,713 5,762 SH SOLE 5,762 0 0
UNION PAC CORP COM Stock 907818108 479,665 1,977 SH SOLE 1,977 0 0
SALESFORCE INC COM Stock 79466L302 228,786 1,226 SH SOLE 1,225 0 0
NORTHROP GRUMMAN CORP COM Stock 666807102 300,195 440 SH SOLE 440 0 0
THERMO FISHER SCIENTIFIC INC COM Stock 883556102 531,037 1,080 SH SOLE 1,080 0 0
LOCKHEED MARTIN CORP COM Stock 539830109 874,876 1,448 SH SOLE 1,447 0 0
JPMORGAN CHASE & CO COM Stock 46625H100 2,230,699 7,583 SH SOLE 7,583 0 0
SANDISK CORP COM Stock 80004C200 392,005 617 SH SOLE 617 0 0
CHEVRON CORPORATION COM Stock 166764100 937,962 4,533 SH SOLE 4,533 0 0
CONOCOPHILLIPS COM Stock 20825C104 246,708 1,869 SH SOLE 1,869 0 0
DANAHER CORP DEL COM Stock 235851102 369,910 1,951 SH SOLE 1,951 0 0
M & T BK CORP COM Stock 55261F104 257,573 1,246 SH SOLE 1,246 0 0
TJX COS INC NEW COM Stock 872540109 310,776 1,946 SH SOLE 1,946 0 0
BANK AMERICA CORP COM Stock 060505104 658,564 13,509 SH SOLE 13,509 0 0
STATE STREET SPDR S&P DIVIDEND ETF ETF 78464A763 22,204,306 152,147 SH SOLE 152,146 0 0
WALMART INC COM Stock 931142103 2,297,800 18,489 SH SOLE 18,488 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 584,402 2,411 SH SOLE 2,411 0 0
ORACLE CORP COM Stock 68389X105 1,202,188 8,172 SH SOLE 8,172 0 0
RTX CORPORATION COM Stock 75513E101 539,035 2,794 SH SOLE 2,794 0 0
TEXAS INSTRS INC COM Stock 882508104 535,093 2,756 SH SOLE 2,756 0 0
TARGET CORP COM Stock 87612E106 262,769 2,168 SH SOLE 2,168 0 0
MORGAN STANLEY COM NEW Stock 617446448 338,850 2,059 SH SOLE 2,059 0 0
KLA CORP COM NEW Stock 482480100 335,709 228 SH SOLE 228 0 0
GILEAD SCIENCES INC COM Stock 375558103 259,786 1,864 SH SOLE 1,864 0 0
CATERPILLAR INC COM Stock 149123101 1,171,793 1,654 SH SOLE 1,654 0 0
ALPHABET INC CAP STK CL C Stock 02079K107 5,555,044 19,365 SH SOLE 19,365 0 0
AMERICAN EXPRESS CO COM Stock 025816109 354,809 1,173 SH SOLE 1,173 0 0
AMGEN INC COM Stock 031162100 595,349 1,692 SH SOLE 1,692 0 0
APPLIED MATLS INC COM Stock 038222105 650,768 1,904 SH SOLE 1,904 0 0
ANALOG DEVICES INC COM Stock 032654105 364,270 1,145 SH SOLE 1,145 0 0
ARISTA NETWORKS INC COM SHS Stock 040413205 260,171 2,119 SH SOLE 2,119 0 0
VANECK MERK GOLD ETF ETF 921078101 407,883 9,054 SH SOLE 9,054 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 356,301 1,657 SH SOLE 1,656 0 0
ISHARES CORE DIVIDEND GROWTH ETF ETF 46434V621 23,085,929 328,953 SH SOLE 328,953 0 0
EATON CORP PLC SHS Stock G29183103 593,017 1,658 SH SOLE 1,658 0 0
KEYSIGHT TECHNOLOGIES INC COM Stock 49338L103 237,473 841 SH SOLE 841 0 0
DELTA AIR LINES INC COM NEW Stock 247361702 2,095,649 31,523 SH SOLE 31,523 0 0
LAM RESEARCH CORP COM NEW Stock 512807306 710,420 3,325 SH SOLE 3,325 0 0
PHILIP MORRIS INTL INC COM Stock 718172109 424,097 2,565 SH SOLE 2,565 0 0
PNC FINL SVCS GROUP INC COM Stock 693475105 363,533 1,747 SH SOLE 1,747 0 0
ALTRIA GROUP INC COM Stock 02209S103 241,325 3,657 SH SOLE 3,657 0 0
LOEWS CORP COM Stock 540424108 290,119 2,718 SH SOLE 2,718 0 0
CITIGROUP INC COM NEW Stock 172967424 478,704 4,221 SH SOLE 4,221 0 0
CADENCE DESIGN SYSTEM INC COM Stock 127387108 459,875 1,655 SH SOLE 1,655 0 0
EXXON MOBIL CORP COM Stock 30231G102 1,406,020 8,287 SH SOLE 8,287 0 0
UNITEDHEALTH GROUP INC COM Stock 91324P102 361,110 1,335 SH SOLE 1,334 0 0
LOWES COS INC COM Stock 548661107 579,359 2,452 SH SOLE 2,452 0 0
DEERE & CO COM Stock 244199105 486,691 864 SH SOLE 864 0 0
SCHWAB CHARLES CORP COM Stock 808513105 261,358 2,781 SH SOLE 2,781 0 0
AUTOZONE INC COM Stock 053332102 493,156 146 SH SOLE 146 0 0
BLACKROCK INC COM Stock 09290D101 481,817 501 SH SOLE 501 0 0
ISHARES MSCI EAFE ETF ETF 464287465 460,590 4,742 SH SOLE 4,742 0 0
APPLE INC COM Stock 037833100 27,373,382 107,858 SH SOLE 107,858 0 0
ABBOTT LABORATORIES COM Stock 002824100 384,058 3,741 SH SOLE 3,740 0 0
DISNEY WALT CO COM Stock 254687106 348,992 3,621 SH SOLE 3,621 0 0
BOOKING HOLDINGS INC COM Stock 09857L108 252,619 60 SH SOLE 60 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 944,635 4,421 SH SOLE 4,421 0 0