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
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 8,815,287 277,997 SH SOLE 0 0 277,997
JOHNSON & JOHNSON COM 478160104 5,602,427 22,059 SH SOLE 0 0 22,059
CISCO SYS INC COM 17275R102 5,324,845 45,333 SH SOLE 0 0 45,333
APPLE INC COM 037833100 5,048,594 17,447 SH SOLE 0 0 17,447
JPMORGAN CHASE & CO COM 46625H100 4,861,505 14,852 SH SOLE 0 0 14,852
MICROSOFT CORP COM 594918104 4,320,929 11,584 SH SOLE 0 0 11,584
ABBVIE INC COM 00287Y109 3,789,447 15,059 SH SOLE 0 0 15,059
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 3,631,095 5,163 SH SOLE 0 0 5,163
AMGEN INC COM 031162100 3,324,986 9,182 SH SOLE 0 0 9,182
CHEVRON CORPORATION COM 166764100 2,918,536 17,607 SH SOLE 0 0 17,607
PROCTER & GAMBLE CO COM 742718109 2,916,067 19,886 SH SOLE 0 0 19,886
HOME DEPOT INC COM 437076102 2,880,375 8,167 SH SOLE 0 0 8,167
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,285,963 67,552 SH SOLE 0 0 67,552
AIR PRODUCTS AND CHEMICALS I COM 009158106 2,183,605 7,448 SH SOLE 0 0 7,448
EXXON MOBIL CORP COM 30231G102 2,122,761 15,526 SH SOLE 0 0 15,526
PEPSICO INC COM 713448108 2,079,504 15,358 SH SOLE 0 0 15,358
PHILLIPS 66 COM 718546104 1,957,430 11,579 SH SOLE 0 0 11,579
NVIDIA CORPORATION COM 67066G104 1,885,448 9,423 SH SOLE 0 0 9,423
COSTCO WHOLESALE CORPORATION COM 22160K105 1,822,296 1,948 SH SOLE 0 0 1,948
AMAZON COM INC COM 023135106 1,778,970 7,464 SH SOLE 0 0 7,464
WALMART INC COM 931142103 1,705,470 15,058 SH SOLE 0 0 15,058
CUMMINS INC COM 231021106 1,627,545 2,282 SH SOLE 0 0 2,282
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,529,784 19,357 SH SOLE 0 0 19,357
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 1,412,538 9,207 SH SOLE 0 0 9,207
STANLEY BLACK & DECKER INC COM 854502101 1,357,493 14,423 SH SOLE 0 0 14,423
VERIZON COMMUNICATIONS INC COM 92343V104 1,310,818 30,959 SH SOLE 0 0 30,959
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,296,202 35,156 SH SOLE 0 0 35,156
QUALCOMM INC COM 747525103 1,221,277 6,609 SH SOLE 0 0 6,609
TEXAS INSTRS INC COM 882508104 1,029,236 3,453 SH SOLE 0 0 3,453
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,007,776 27,893 SH SOLE 0 0 27,893
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 1,006,327 5,282 SH SOLE 0 0 5,282
HONEYWELL AEROSPACE INC COM 43849R105 954,623 4,318 SH SOLE 0 0 4,318
CHUBB LIMITED COM H1467J104 931,924 2,735 SH SOLE 0 0 2,735
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 923,022 33,322 SH SOLE 0 0 33,322
HONEYWELL INTL INC COM 438516106 901,198 4,025 SH SOLE 0 0 4,025
DUKE ENERGY CORP NEW COM NEW 26441C204 857,073 6,771 SH SOLE 0 0 6,771
SPDR INDEX SHS FDS ST STR SP GLBDIV 78463X459 829,833 10,385 SH SOLE 0 0 10,385
ABBOTT LABORATORIES COM 002824100 817,567 9,010 SH SOLE 0 0 9,010
LOCKHEED MARTIN CORP COM 539830109 803,418 1,577 SH SOLE 0 0 1,577
MASTERCARD INCORPORATED CL A 57636Q104 794,026 1,546 SH SOLE 0 0 1,546
VALERO ENERGY CORP COM 91913Y100 774,809 2,975 SH SOLE 0 0 2,975
SHELL PLC SPON ADS 780259305 772,298 9,960 SH SOLE 0 0 9,960
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 753,437 25,601 SH SOLE 0 0 25,601
SPDR SERIES TRUST ST STR P500GRW 78464A409 738,571 6,207 SH SOLE 0 0 6,207
MERCK & CO INC COM 58933Y105 706,428 5,497 SH SOLE 0 0 5,497
ISHARES TR MSCI INTL QUALTY 46434V456 692,709 13,980 SH SOLE 0 0 13,980
CSX CORP COM 126408103 655,914 13,800 SH SOLE 0 0 13,800
SOLSTICE ADVANCED MATLS INC COM SHS 83443Q103 627,997 7,088 SH SOLE 0 0 7,088
SALESFORCE INC COM 79466L302 600,008 3,830 SH SOLE 0 0 3,830
SPDR SERIES TRUST ST STR P500VAL 78464A508 528,751 8,698 SH SOLE 0 0 8,698
KIMBERLY-CLARK CORP COM 494368103 524,908 4,782 SH SOLE 0 0 4,782
CROWDSTRIKE HLDGS INC CL A 22788C105 515,120 675 SH SOLE 0 0 675
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 514,525 689 SH SOLE 0 0 689
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 513,227 7,957 SH SOLE 0 0 7,957
ARM HOLDINGS PLC SPONSORED ADS 042068205 504,553 1,423 SH SOLE 0 0 1,423
COCA COLA CO COM 191216100 485,386 5,973 SH SOLE 0 0 5,973
L3HARRIS TECHNOLOGIES INC COM 502431109 467,850 1,610 SH SOLE 0 0 1,610
BOEING CO COM 097023105 461,731 2,133 SH SOLE 0 0 2,133
ELI LILLY & CO COM 532457108 460,581 384 SH SOLE 0 0 384
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464 453,083 2,663 SH SOLE 0 0 2,663
SPDR SERIES TRUST ST STR SP600GRWO 78464A201 438,041 3,677 SH SOLE 0 0 3,677
SPDR SERIES TRUST ST STR SP600SM C 78464A300 427,711 3,920 SH SOLE 0 0 3,920
VANGUARD INDEX FDS LARGE CAP ETF 922908637 412,692 1,200 SH SOLE 0 0 1,200
ALPHABET INC CAP STK CL C 02079K107 411,629 1,165 SH SOLE 0 0 1,165
SPDR SERIES TRUST ST STR SP AERO 78464A631 401,563 1,415 SH SOLE 0 0 1,415
SELECTIVE INS GROUP INC COM 816300107 400,651 4,130 SH SOLE 0 0 4,130
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 395,594 7,498 SH SOLE 0 0 7,498
META PLATFORMS INC CL A 30303M102 393,176 698 SH SOLE 0 0 698
REALTY INCOME CORP COM 756109104 386,016 6,230 SH SOLE 0 0 6,230
ORACLE CORP COM 68389X105 359,802 2,455 SH SOLE 0 0 2,455
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 331,082 9,511 SH SOLE 0 0 9,511
GENUINE PARTS CO COM 372460105 320,564 2,717 SH SOLE 0 0 2,717
COHERENT CORP COM 19247G107 315,576 800 SH SOLE 0 0 800
UNION PAC CORP COM 907818108 308,720 1,135 SH SOLE 0 0 1,135
DUPONT DE NEMOURS INC COM 26614N102 289,320 2,133 SH SOLE 0 0 2,133
ISHARES TR ISHS 1-5YR INVS 464288646 287,874 5,493 SH SOLE 0 0 5,493
GENERAL MILLS INC COM 370334104 285,313 8,199 SH SOLE 0 0 8,199
CORTEVA INC COM 22052L104 277,275 3,274 SH SOLE 0 0 3,274
ISHARES TR CORE S&P500 ETF 464287200 275,117 367 SH SOLE 0 0 367
GE VERNOVA INC COM 36828A101 269,043 229 SH SOLE 0 0 229
ALPHABET INC CAP STK CL A 02079K305 258,736 724 SH SOLE 0 0 724
MARATHON PETE CORP COM 56585A102 257,598 1,008 SH SOLE 0 0 1,008
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 244,902 1,035 SH SOLE 0 0 1,035
ONEOK INC NEW COM 682680103 216,307 2,488 SH SOLE 0 0 2,488
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 215,049 7,426 SH SOLE 0 0 7,426