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 785,578 5,409 SH SOLE 0 0 5,409
ABBOTT LABORATORIES COM 002824100 7,627,418 74,291 SH SOLE 0 0 74,291
ABBVIE INC COM 00287Y109 5,771,136 26,535 SH SOLE 0 0 26,535
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 419,383 2,115 SH SOLE 0 0 2,115
AGILENT TECHNOLOGIES INC COM 00846U101 216,209 1,897 SH SOLE 0 0 1,897
ALLSTATE CORP COM 020002101 714,688 3,447 SH SOLE 0 0 3,447
ALPHABET INC CAP STK CL C 02079K107 4,180,781 14,574 SH SOLE 0 0 14,574
ALPHABET INC CAP STK CL A 02079K305 1,089,277 3,788 SH SOLE 0 0 3,788
AMAZON COM INC COM 023135106 2,605,692 12,511 SH SOLE 0 0 12,511
AMERICAN EXPRESS CO COM 025816109 423,615 1,400 SH SOLE 0 0 1,400
AMERICAN TOWER CORP COM 03027X100 221,248 1,282 SH SOLE 0 0 1,282
AMGEN INC COM 031162100 389,774 1,108 SH SOLE 0 0 1,108
AON PLC SHS CL A G0403H108 456,088 1,413 SH SOLE 0 0 1,413
APPLE INC COM 037833100 9,401,289 37,044 SH SOLE 0 0 37,044
APPLIED MATLS INC COM 038222105 1,027,079 3,005 SH SOLE 0 0 3,005
ARCHER DANIELS MIDLAND CO COM 039483102 487,200 6,702 SH SOLE 0 0 6,702
ASML HLDG NV N Y REGISTRY SHS N07059210 311,716 236 SH SOLE 0 0 236
AVALONBAY CMNTYS INC COM 053484101 227,204 1,391 SH SOLE 0 0 1,391
BANK AMERICA CORP COM 060505104 6,190,339 126,981 SH SOLE 0 0 126,981
BANK MONTREAL MEDIUM COM 063671101 602,669 4,453 SH SOLE 0 0 4,453
BECTON DICKINSON & CO COM 075887109 210,387 1,338 SH SOLE 0 0 1,338
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,681,513 3,509 SH SOLE 0 0 3,509
BLACKROCK INC COM 09290D101 310,327 323 SH SOLE 0 0 323
BLACKSTONE INC COM 09260D107 1,465,575 12,745 SH SOLE 0 0 12,745
BLACKSTONE SECD LENDING FD COMMON STOCK 09261X102 262,348 11,074 SH SOLE 0 0 11,074
BOEING CO COM 097023105 881,880 4,431 SH SOLE 0 0 4,431
BP PLC SPONSORED ADR 055622104 381,626 8,120 SH SOLE 0 0 8,120
BRISTOL-MYERS SQUIBB CO COM 110122108 502,532 8,286 SH SOLE 0 0 8,286
BROADCOM INC COM 11135F101 1,377,562 4,451 SH SOLE 0 0 4,451
CATERPILLAR INC COM 149123101 2,571,054 3,629 SH SOLE 0 0 3,629
CHEVRON CORPORATION COM 166764100 825,569 3,990 SH SOLE 0 0 3,990
CHUBB LTD SWITZ COM H1467J104 732,523 2,247 SH SOLE 0 0 2,247
CISCO SYS INC COM 17275R102 712,473 9,183 SH SOLE 0 0 9,183
COCA COLA CO COM 191216100 696,643 9,160 SH SOLE 0 0 9,160
CONOCOPHILLIPS COM 20825C104 539,102 4,084 SH SOLE 0 0 4,084
CORTEVA INC COM 22052L104 214,130 2,558 SH SOLE 0 0 2,558
COSTCO WHOLESALE CORPORATION COM 22160K105 2,569,136 2,578 SH SOLE 0 0 2,578
CSX CORP COM 126408103 1,419,586 34,582 SH SOLE 0 0 34,582
CUMMINS INC COM 231021106 1,062,764 1,975 SH SOLE 0 0 1,975
CVS HEALTH CORP COM 126650100 2,480,765 34,541 SH SOLE 0 0 34,541
DANAHER CORP DEL COM 235851102 271,871 1,434 SH SOLE 0 0 1,434
DATAVAULT AI INC COM SHS 86633R609 7,636 12,350 SH SOLE 0 0 12,350
DEERE & CO COM 244199105 1,246,388 2,213 SH SOLE 0 0 2,213
DELTA AIR LINES INC COM NEW 247361702 397,209 5,975 SH SOLE 0 0 5,975
DISNEY WALT CO COM 254687106 673,130 6,984 SH SOLE 0 0 6,984
DOVER CORP COM 260003108 314,909 1,511 SH SOLE 0 0 1,511
DOW HLDGS INC COM 260557103 304,377 7,308 SH SOLE 0 0 7,308
DUKE ENERGY CORP NEW COM NEW 26441C204 273,765 2,091 SH SOLE 0 0 2,091
EASTMAN CHEM CO COM 277432100 242,890 3,183 SH SOLE 0 0 3,183
EATON CORP PLC SHS G29183103 1,261,502 3,527 SH SOLE 0 0 3,527
EDWARDS LIFESCIENCES CORP COM 28176E108 354,354 4,425 SH SOLE 0 0 4,425
ELEVANCE HEALTH INC FORMERLY COM 036752103 383,472 1,310 SH SOLE 0 0 1,310
ELI LILLY & CO COM 532457108 2,745,599 2,985 SH SOLE 0 0 2,985
EMERSON ELEC CO COM 291011104 710,891 5,426 SH SOLE 0 0 5,426
ENTERPRISE PRODS PARTNERS L COM 293792107 467,397 12,352 SH SOLE 0 0 12,352
EOG RES INC COM 26875P101 245,769 1,700 SH SOLE 0 0 1,700
EVERSOURCE ENERGY COM 30040W108 323,034 4,663 SH SOLE 0 0 4,663
EXXON MOBIL CORP COM 30231G102 1,271,033 7,492 SH SOLE 0 0 7,492
FEDEX CORP COM 31428X106 1,035,214 2,906 SH SOLE 0 0 2,906
FREEPORT MCMORAN INC CL B 35671D857 278,987 4,746 SH SOLE 0 0 4,746
GALLAGHER ARTHUR J & CO COM 363576109 356,274 1,645 SH SOLE 0 0 1,645
GE AEROSPACE COM NEW 369604301 411,289 1,449 SH SOLE 0 0 1,449
GE VERNOVA INC COM 36828A101 279,328 320 SH SOLE 0 0 320
GENERAL DYNAMICS CORP COM 369550108 501,259 1,460 SH SOLE 0 0 1,460
GENERAL MTRS CO COM 37045V100 238,218 3,198 SH SOLE 0 0 3,198
GOLDMAN SACHS GROUP INC COM 38141G104 1,234,969 1,460 SH SOLE 0 0 1,460
HALEON PLC SPON ADS 405552100 268,949 26,868 SH SOLE 0 0 26,868
HARTFORD INSURANCE GROUP INC COM 416515104 331,990 2,455 SH SOLE 0 0 2,455
HOME DEPOT INC COM 437076102 1,163,803 3,539 SH SOLE 0 0 3,539
HONEYWELL INTL INC COM 438516106 1,152,571 5,099 SH SOLE 0 0 5,099
ILLINOIS TOOL WKS INC COM 452308109 590,080 2,267 SH SOLE 0 0 2,267
INGREDION INC COM 457187102 361,128 3,205 SH SOLE 0 0 3,205
INTEL CORP COM 458140100 339,566 7,695 SH SOLE 0 0 7,695
INTERNATIONAL BUSINESS MACHS COM 459200101 546,973 2,257 SH SOLE 0 0 2,257
INTERNATIONAL PAPER CO COM 460146103 269,701 7,555 SH SOLE 0 0 7,555
INTUIT COM 461202103 232,620 538 SH SOLE 0 0 538
INVESCO QQQ TR UNIT SER 1 46090E103 2,247,999 3,895 SH SOLE 0 0 3,895
ISHARES GOLD TR ISHARES NEW 464285204 208,939 2,370 SH SOLE 0 0 2,370
ISHARES TR PFD AND INCM SEC 464288687 385,368 12,710 SH SOLE 0 0 12,710
ISHARES TR RUS 1000 GRW ETF 464287614 521,487 1,223 SH SOLE 0 0 1,223
ISHARES TR CORE S&P500 ETF 464287200 708,733 1,085 SH SOLE 0 0 1,085
ISHARES TR RUSSELL 2000 ETF 464287655 214,073 863 SH SOLE 0 0 863
ISHARES TR CORE S&P MCP ETF 464287507 282,748 4,187 SH SOLE 0 0 4,187
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 345,401 6,094 SH SOLE 0 0 6,094
JACOBS SOLUTIONS INC COM 46982L108 354,108 2,782 SH SOLE 0 0 2,782
JOHNSON & JOHNSON COM 478160104 2,209,174 9,038 SH SOLE 0 0 9,038
JPMORGAN CHASE & CO COM 46625H100 6,949,419 23,625 SH SOLE 0 0 23,625
L3HARRIS TECHNOLOGIES INC COM 502431109 388,556 1,126 SH SOLE 0 0 1,126
LINDE PLC SHS G54950103 397,600 802 SH SOLE 0 0 802
LOCKHEED MARTIN CORP COM 539830109 752,221 1,245 SH SOLE 0 0 1,245
MARSH & MCLENNAN COS INC COM 571748102 474,209 2,734 SH SOLE 0 0 2,734
MARTIN MARIETTA MATLS INC COM 573284106 253,132 430 SH SOLE 0 0 430
MASTERCARD INCORPORATED CL A 57636Q104 570,717 1,142 SH SOLE 0 0 1,142
MCDONALDS CORP COM 580135101 1,068,786 3,439 SH SOLE 0 0 3,439
MEDTRONIC PLC SHS G5960L103 628,559 7,254 SH SOLE 0 0 7,254
MERCK & CO INC COM 58933Y105 5,780,813 48,057 SH SOLE 0 0 48,057
META PLATFORMS INC CL A 30303M102 892,776 1,560 SH SOLE 0 0 1,560
MICROSOFT CORP COM 594918104 3,811,424 10,296 SH SOLE 0 0 10,296
NETFLIX INC. COM 64110L106 319,583 3,324 SH SOLE 0 0 3,324
NEXTERA ENERGY INC COM 65339F101 454,912 4,898 SH SOLE 0 0 4,898
NORTHROP GRUMMAN CORP COM 666807102 612,705 898 SH SOLE 0 0 898
NVIDIA CORPORATION COM 67066G104 978,001 5,608 SH SOLE 0 0 5,608
ONEOK INC NEW COM 682680103 382,494 4,232 SH SOLE 0 0 4,232
ORACLE CORP COM 68389X105 705,994 4,799 SH SOLE 0 0 4,799
PACCAR INC COM 693718108 394,317 3,414 SH SOLE 0 0 3,414
PAYCHEX INC COM 704326107 265,814 2,886 SH SOLE 0 0 2,886
PEPSICO INC COM 713448108 1,122,131 7,226 SH SOLE 0 0 7,226
PFIZER INC COM 717081103 3,266,427 116,326 SH SOLE 0 0 116,326
PHILLIPS 66 COM 718546104 452,820 2,486 SH SOLE 0 0 2,486
PNC FINL SVCS GROUP INC COM 693475105 765,896 3,681 SH SOLE 0 0 3,681
PROCTER & GAMBLE CO COM 742718109 809,349 5,603 SH SOLE 0 0 5,603
PUBLIC STORAGE OPER CO COM 74460D109 294,762 1,088 SH SOLE 0 0 1,088
QUALCOMM INC COM 747525103 435,766 3,384 SH SOLE 0 0 3,384
REALTY INCOME CORP COM 756109104 232,737 3,804 SH SOLE 0 0 3,804
REPUBLIC SVCS INC COM 760759100 413,743 1,889 SH SOLE 0 0 1,889
ROCKWELL AUTOMATION INC COM 773903109 483,333 1,347 SH SOLE 0 0 1,347
ROYAL CARIBBEAN GROUP COM V7780T103 236,397 859 SH SOLE 0 0 859
RTX CORPORATION COM 75513E101 1,417,508 7,348 SH SOLE 0 0 7,348
SALESFORCE INC COM 79466L302 316,931 1,698 SH SOLE 0 0 1,698
SCHWAB CHARLES CORP COM 808513105 1,271,275 13,527 SH SOLE 0 0 13,527
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 453,390 15,591 SH SOLE 0 0 15,591
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 716,549 23,356 SH SOLE 0 0 23,356
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 401,137 12,957 SH SOLE 0 0 12,957
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 403,829 13,863 SH SOLE 0 0 13,863
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 242,819 9,470 SH SOLE 0 0 9,470
SELECT SECTOR SPDR TR STATE STREET HEA 81369Y209 308,614 2,105 SH SOLE 0 0 2,105
SELECT SECTOR SPDR TR STATE STREET FIN 81369Y605 243,104 4,924 SH SOLE 0 0 4,924
SOUTHERN CO COM 842587107 228,096 2,363 SH SOLE 0 0 2,363
SPDR GOLD TR GOLD SHS 78463V107 346,814 806 SH SOLE 0 0 806
STARBUCKS CORP COM 855244109 414,398 4,625 SH SOLE 0 0 4,625
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 397,656 859 SH SOLE 0 0 859
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,241,166 1,908 SH SOLE 0 0 1,908
STRYKER CORPORATION COM 863667101 745,451 2,269 SH SOLE 0 0 2,269
SYSCO CORP COM 871829107 229,481 3,217 SH SOLE 0 0 3,217
TESLA INC COM 88160R101 718,593 1,933 SH SOLE 0 0 1,933
TEXAS INSTRS INC COM 882508104 328,885 1,694 SH SOLE 0 0 1,694
THERMO FISHER SCIENTIFIC INC COM 883556102 548,069 1,115 SH SOLE 0 0 1,115
TJX COS INC NEW COM 872540109 221,327 1,386 SH SOLE 0 0 1,386
TRACTOR SUPPLY CO COM 892356106 271,485 5,993 SH SOLE 0 0 5,993
TRAVELERS COMPANIES INC COM 89417E109 588,115 2,016 SH SOLE 0 0 2,016
TRUIST FINL CORP COM 89832Q109 278,194 6,052 SH SOLE 0 0 6,052
TYSON FOODS INC CL A 902494103 268,133 4,185 SH SOLE 0 0 4,185
UNION PAC CORP COM 907818108 1,342,220 5,532 SH SOLE 0 0 5,532
UNITED PARCEL SVCS INC CL B 911312106 426,668 4,337 SH SOLE 0 0 4,337
UNITED RENTALS INC COM 911363109 807,244 1,108 SH SOLE 0 0 1,108
UNITEDHEALTH GROUP INC COM 91324P102 543,057 2,007 SH SOLE 0 0 2,007
US BANCORP COM NEW 902973304 213,345 4,102 SH SOLE 0 0 4,102
VALERO ENERGY CORP COM 91913Y100 1,138,525 4,608 SH SOLE 0 0 4,608
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 772,632 1,293 SH SOLE 0 0 1,293
VANGUARD INDEX FDS VALUE ETF 922908744 229,221 1,168 SH SOLE 0 0 1,168
VANGUARD INDEX FDS MID CAP ETF 922908629 232,893 811 SH SOLE 0 0 811
VANGUARD INDEX FDS SMALL CP ETF 922908751 425,657 1,625 SH SOLE 0 0 1,625
VANGUARD INDEX FDS TOTAL STK MKT 922908769 362,515 1,130 SH SOLE 0 0 1,130
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 418,909 5,082 SH SOLE 0 0 5,082
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 935,279 4,349 SH SOLE 0 0 4,349
VANGUARD WORLD FD INF TECH ETF 92204A702 862,472 1,236 SH SOLE 0 0 1,236
VERIZON COMMUNICATIONS INC COM 92343V104 453,474 9,033 SH SOLE 0 0 9,033
VISA INC COM CL A 92826C839 2,133,458 7,059 SH SOLE 0 0 7,059
WABTEC COM 929740108 306,205 1,225 SH SOLE 0 0 1,225
WALMART INC COM 931142103 1,242,867 10,001 SH SOLE 0 0 10,001
WASTE MGMT INC DEL COM 94106L109 2,122,699 9,238 SH SOLE 0 0 9,238
WEC ENERGY GROUP INC COM 92939U106 351,941 3,040 SH SOLE 0 0 3,040
WELLS FARGO & CO COM 949746101 528,613 6,640 SH SOLE 0 0 6,640
XCEL ENERGY INC COM 98389B100 335,605 4,225 SH SOLE 0 0 4,225