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 1,904,491 11,763 SH SOLE 0 0 11,763
ABBOTT LABORATORIES COM 002824100 392,766 4,328 SH SOLE 0 0 4,328
ABBVIE INC COM 00287Y109 2,362,397 9,388 SH SOLE 0 0 9,388
ADVANCED MICRO DEVICES INC COM 007903107 281,742 485 SH SOLE 0 0 485
AFLAC INC COM 001055102 235,087 2,005 SH SOLE 0 0 2,005
AIRBNB INC COM CL A 009066101 693,463 4,846 SH SOLE 0 0 4,846
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 1,294,003 13,482 SH SOLE 0 0 13,482
ALPHABET INC CAP STK CL A 02079K305 533,197 1,492 SH SOLE 0 0 1,492
ALPHABET INC CAP STK CL C 02079K107 9,802,081 27,742 SH SOLE 0 0 27,742
AMAZON COM INC COM 023135106 3,487,153 14,631 SH SOLE 0 0 14,631
AMBEV SA SPONSORED ADR 02319V103 471,895 150,285 SH SOLE 0 0 150,285
AMERICAN EXPRESS CO COM 025816109 4,713,514 13,935 SH SOLE 0 0 13,935
AMGEN INC COM 031162100 2,298,738 6,348 SH SOLE 0 0 6,348
APPLE INC COM 037833100 9,023,414 31,184 SH SOLE 0 0 31,184
APPLIED MATLS INC COM 038222105 5,784,000 8,000 SH SOLE 0 0 8,000
AUTOMATIC DATA PROCESSING IN COM 053015103 236,716 1,057 SH SOLE 0 0 1,057
BANK OF AMER CORP COM 060505104 2,646,380 46,444 SH SOLE 0 0 46,444
BANK OF NY MELLON CORP COM 064058100 2,987,788 20,661 SH SOLE 0 0 20,661
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,882,527 7,759 SH SOLE 0 0 7,759
BLACKROCK INC COM 09290D101 1,443,354 1,501 SH SOLE 0 0 1,501
BOEING CO COM 097023105 740,761 3,422 SH SOLE 0 0 3,422
BOOKING HOLDINGS INC COM 09857L108 760,372 4,266 SH SOLE 0 0 4,266
CARRIER GLOBAL CORPORATION COM 14448C104 216,603 2,953 SH SOLE 0 0 2,953
CEMEX SA EURO MTN BE 144A SPON ADR NEW 151290889 288,000 24,000 SH SOLE 0 0 24,000
CHECK POINT SOFTWARE TECH LT ORD M22465104 546,749 4,160 SH SOLE 0 0 4,160
CHIPOTLE MEXICAN GRILL INC COM 169656105 219,300 6,450 SH SOLE 0 0 6,450
CHUBB LIMITED COM H1467J104 467,496 1,372 SH SOLE 0 0 1,372
CISCO SYS INC COM 17275R102 5,643,247 48,044 SH SOLE 0 0 48,044
COCA COLA CO COM 191216100 1,772,281 21,807 SH SOLE 0 0 21,807
COMCAST CORP NEW CL A 20030N101 529,997 21,588 SH SOLE 0 0 21,588
CUMMINS INC COM 231021106 1,933,513 2,711 SH SOLE 0 0 2,711
CVS HEALTH CORP COM 126650100 2,054,117 19,856 SH SOLE 0 0 19,856
DANAHER CORP DEL COM 235851102 263,434 1,383 SH SOLE 0 0 1,383
DEERE & CO COM 244199105 965,451 1,522 SH SOLE 0 0 1,522
DIAGEO PLC SPON ADR NEW 25243Q205 499,643 6,216 SH SOLE 0 0 6,216
DISNEY WALT CO COM 254687106 1,674,435 17,397 SH SOLE 0 0 17,397
DOVER CORP COM 260003108 366,698 1,635 SH SOLE 0 0 1,635
ELI LILLY & CO COM 532457108 287,864 240 SH SOLE 0 0 240
EMERSON ELEC CO COM 291011104 623,705 4,357 SH SOLE 0 0 4,357
EQUITY RESIDENTIAL SH BEN INT 29476L107 296,311 4,362 SH SOLE 0 0 4,362
EXPEDITORS INTL WASH INC COM 302130109 694,947 4,264 SH SOLE 0 0 4,264
FEDEX CORP COM 31428X106 2,223,850 7,102 SH SOLE 0 0 7,102
FEDEX FGHT HLDG CO INC COMMON STOCK 314352105 532,124 3,524 SH SOLE 0 0 3,524
GE AEROSPACE COM NEW 369604301 3,314,986 8,870 SH SOLE 0 0 8,870
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107 296,751 4,636 SH SOLE 0 0 4,636
GE VERNOVA INC COM 36828A101 2,364,994 2,013 SH SOLE 0 0 2,013
GENERAL MTRS CO COM 37045V100 321,809 4,175 SH SOLE 0 0 4,175
GOLDMAN SACHS GROUP INC COM 38141G104 5,376,443 5,316 SH SOLE 0 0 5,316
HOME DEPOT INC COM 437076102 212,919 604 SH SOLE 0 0 604
HONEYWELL AEROSPACE INC COM 43849R105 620,351 2,806 SH SOLE 0 0 2,806
INTEL CORP COM 458140100 3,792,697 27,162 SH SOLE 0 0 27,162
INTERNATIONAL BUSINESS MACHS COM 459200101 2,171,221 7,721 SH SOLE 0 0 7,721
INTUIT COM 461202103 257,085 985 SH SOLE 0 0 985
ISHARES GOLD TR ISHARES NEW 464285204 501,840 6,646 SH SOLE 0 0 6,646
ISHARES TR CORE S&P500 ETF 464287200 247,883 331 SH SOLE 0 0 331
ISHARES TR ISHS 1-5YR INVS 464288646 676,089 12,900 SH SOLE 0 0 12,900
ISHARES TR ISHS 5-10YR INVT 464288638 393,458 7,400 SH SOLE 0 0 7,400
JOHNSON & JOHNSON COM 478160104 3,908,206 15,388 SH SOLE 0 0 15,388
JPMORGAN CHASE & CO COM 46625H100 6,890,590 21,051 SH SOLE 0 0 21,051
KIMBERLY-CLARK CORP COM 494368103 269,376 2,454 SH SOLE 0 0 2,454
KROGER CO COM 501044101 338,733 6,100 SH SOLE 0 0 6,100
LINDE PLC SHS G54950103 332,641 641 SH SOLE 0 0 641
LOCKHEED MARTIN CORP COM 539830109 962,370 1,889 SH SOLE 0 0 1,889
LOWES COS INC COM 548661107 920,881 4,177 SH SOLE 0 0 4,177
MARRIOTT INTL INC NEW CL A 571903202 207,531 560 SH SOLE 0 0 560
MCDONALDS CORP COM 580135101 1,249,333 4,622 SH SOLE 0 0 4,622
MCKESSON CORP COM 58155Q103 2,708,397 3,584 SH SOLE 0 0 3,584
MEDTRONIC PLC SHS G5960L103 380,042 4,858 SH SOLE 0 0 4,858
MERCK & CO INC COM 58933Y105 4,181,262 32,539 SH SOLE 0 0 32,539
META PLATFORMS INC CL A 30303M102 4,635,314 8,229 SH SOLE 0 0 8,229
MICROSOFT CORP COM 594918104 11,072,735 29,684 SH SOLE 0 0 29,684
NOVO-NORDISK A S ADR 670100205 412,524 8,605 SH SOLE 0 0 8,605
NUCOR CORP COM 670346105 1,234,035 5,540 SH SOLE 0 0 5,540
NVIDIA CORPORATION COM 67066G104 1,038,468 5,190 SH SOLE 0 0 5,190
ORACLE CORP COM 68389X105 2,606,823 17,788 SH SOLE 0 0 17,788
PAYCHEX INC COM 704326107 294,990 3,000 SH SOLE 0 0 3,000
PAYPAL HLDGS INC COM 70450Y103 472,951 10,953 SH SOLE 0 0 10,953
PEPSICO INC COM 713448108 1,156,993 8,545 SH SOLE 0 0 8,545
PFIZER INC COM 717081103 763,433 31,704 SH SOLE 0 0 31,704
POLARIS INC COM 731068102 470,799 6,879 SH SOLE 0 0 6,879
PRICE T ROWE GROUP INC COM 74144T108 606,878 5,338 SH SOLE 0 0 5,338
PROCTER & GAMBLE CO COM 742718109 906,355 6,181 SH SOLE 0 0 6,181
QUALCOMM INC COM 747525103 1,806,323 9,775 SH SOLE 0 0 9,775
ROCKWELL AUTOMATION INC COM 773903109 245,065 495 SH SOLE 0 0 495
RTX CORPORATION COM 75513E101 2,429,455 12,805 SH SOLE 0 0 12,805
SALESFORCE INC COM 79466L302 254,260 1,623 SH SOLE 0 0 1,623
SANOFI SA SPONSORED ADR 80105N105 307,579 7,210 SH SOLE 0 0 7,210
SCHWAB CHARLES CORP COM 808513105 2,612,602 28,315 SH SOLE 0 0 28,315
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 27,899,066 963,366 SH SOLE 0 0 963,366
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,384,272 81,015 SH SOLE 0 0 81,015
SHOPIFY INC CL A SUB VTG SHS 82509L107 272,320 2,385 SH SOLE 0 0 2,385
SNAP ON INC COM 833034101 215,284 535 SH SOLE 0 0 535
SOUTHERN CO COM 842587107 475,813 4,971 SH SOLE 0 0 4,971
SPACE EXPLORATION TECHN CORP CLASS A COM STK 84615Q103 205,374 1,202 SH SOLE 0 0 1,202
STARBUCKS CORP COM 855244109 1,260,229 12,332 SH SOLE 0 0 12,332
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 4,315,584 5,779 SH SOLE 0 0 5,779
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 3,225,986 6,755 SH SOLE 0 0 6,755
TARGET CORP COM 87612E106 1,104,308 8,455 SH SOLE 0 0 8,455
TESLA INC COM 88160R101 10,607,112 25,219 SH SOLE 0 0 25,219
TEXAS INSTRS INC COM 882508104 1,607,294 5,392 SH SOLE 0 0 5,392
THE CIGNA GROUP COM 125523100 1,043,174 3,784 SH SOLE 0 0 3,784
TOAST INC CL A 888787108 406,590 14,615 SH SOLE 0 0 14,615
TRUIST FINL CORP COM 89832Q109 356,911 7,164 SH SOLE 0 0 7,164
UBER TECHNOLOGIES INC COM 90353T100 358,924 4,974 SH SOLE 0 0 4,974
UNILEVER PLC SPON ADR NEW 904767803 877,512 14,596 SH SOLE 0 0 14,596
UNION PAC CORP COM 907818108 446,352 1,641 SH SOLE 0 0 1,641
UNITED PARCEL SVCS INC CL B 911312106 397,738 3,700 SH SOLE 0 0 3,700
UNITEDHEALTH GROUP INC COM 91324P102 295,513 711 SH SOLE 0 0 711
US BANCORP COM NEW 902973304 584,672 9,680 SH SOLE 0 0 9,680
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 366,177 4,700 SH SOLE 0 0 4,700
VANGUARD INDEX FDS GROWTH ETF 922908736 254,286 2,952 SH SOLE 0 0 2,952
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 958,394 6,065 SH SOLE 0 0 6,065
VISA INC COM CL A 92826C839 484,178 1,411 SH SOLE 0 0 1,411
WALMART INC COM 931142103 4,075,882 35,987 SH SOLE 0 0 35,987
WELLS FARGO & CO COM 949746101 4,306,536 52,112 SH SOLE 0 0 52,112
ZOOM COMMUNICATIONS INC CL A 98980L101 903,494 10,468 SH SOLE 0 0 10,468