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 625,620 3,864 SH SOLE 3,864 0 0
ABBOTT LABORATORIES COM 002824100 2,553,696 28,143 SH SOLE 28,143 0 0
ABBVIE INC COM 00287Y109 7,974,980 31,692 SH SOLE 31,692 0 0
ALPHABET INC CAP STK CL A 02079K305 6,414,792 17,950 SH SOLE 17,950 0 0
ALPHABET INC CAP STK CL C 02079K107 5,354,363 15,154 SH SOLE 15,154 0 0
ALTRIA GROUP INC COM 02209S103 2,380,178 33,081 SH SOLE 33,081 0 0
AMAZON COM INC COM 023135106 1,963,683 8,239 SH SOLE 8,239 0 0
AMERICAN ELEC PWR CO INC COM 025537101 521,246 3,810 SH SOLE 3,810 0 0
AMGEN INC COM 031162100 2,702,927 7,464 SH SOLE 7,464 0 0
APPLE INC COM 037833100 15,700,202 54,258 SH SOLE 54,258 0 0
ARCHER DANIELS MIDLAND CO COM 039483102 291,983 3,822 SH SOLE 3,822 0 0
AT&T INC COM 00206R102 545,412 26,348 SH SOLE 26,348 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 354,065 1,581 SH SOLE 1,581 0 0
BANK OF AMER CORP COM 060505104 539,999 9,477 SH SOLE 9,477 0 0
BEONE MEDICINES LTD SPONSORED ADS 07725L102 854,910 3,000 SH SOLE 3,000 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,809,410 3,616 SH SOLE 3,616 0 0
BIOGEN INC COM 09062X103 670,002 3,101 SH SOLE 3,101 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 217,516 3,775 SH SOLE 3,775 0 0
BROADCOM INC COM 11135F101 8,227,395 21,780 SH SOLE 21,780 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 293,400 4,000 SH SOLE 4,000 0 0
CATERPILLAR INC COM 149123101 4,247,886 3,989 SH SOLE 3,989 0 0
CEMEX SA EURO MTN BE 144A SPON ADR NEW 151290889 131,640 10,970 SH SOLE 10,970 0 0
CHENIERE ENERGY PARTNERS L P COM UNIT 16411Q101 243,800 4,000 SH SOLE 4,000 0 0
CHEVRON CORPORATION COM 166764100 3,311,388 19,977 SH SOLE 19,977 0 0
CINTAS CORP COM 172908105 204,096 1,200 SH SOLE 1,200 0 0
CISCO SYS INC COM 17275R102 1,226,197 10,439 SH SOLE 10,439 0 0
COLGATE PALMOLIVE CO COM 194162103 662,205 7,223 SH SOLE 7,223 0 0
CONOCOPHILLIPS COM 20825C104 846,130 8,139 SH SOLE 8,139 0 0
CONSOLIDATED EDISON INC COM 209115104 475,709 4,300 SH SOLE 4,300 0 0
CORNING INC COM 219350105 407,411 1,595 SH SOLE 1,595 0 0
CORPAY INC COM SHS 219948106 1,333,080 4,000 SH SOLE 4,000 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 729,667 780 SH SOLE 780 0 0
CSX CORP COM 126408103 759,387 15,977 SH SOLE 15,977 0 0
CVS HEALTH CORP COM 126650100 638,729 6,174 SH SOLE 6,174 0 0
DEERE & CO COM 244199105 3,897,958 6,145 SH SOLE 6,145 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 393,790 3,111 SH SOLE 3,111 0 0
ELI LILLY & CO COM 532457108 2,197,191 1,832 SH SOLE 1,832 0 0
EMERSON ELEC CO COM 291011104 1,183,851 8,270 SH SOLE 8,270 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 2,408,442 65,518 SH SOLE 65,518 0 0
EXXON MOBIL CORP COM 30231G102 16,710,328 122,223 SH SOLE 122,223 0 0
FIFTH THIRD BANCORP COM 316773100 305,300 5,416 SH SOLE 5,416 0 0
GE AEROSPACE COM NEW 369604301 732,885 1,961 SH SOLE 1,961 0 0
GE VERNOVA INC COM 36828A101 214,999 183 SH SOLE 183 0 0
GLOBAL X FDS GLBL X MLP ETF 37954Y343 1,381,195 26,021 SH SOLE 26,021 0 0
HOME DEPOT INC COM 437076102 1,339,831 3,799 SH SOLE 3,799 0 0
HONEYWELL INTL INC COM 438516205 352,419 1,574 SH SOLE 1,574 0 0
HUBBELL INC COM 443510607 2,982,763 5,701 SH SOLE 5,701 0 0
INTEL CORP COM 458140100 1,220,087 8,738 SH SOLE 8,738 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,174,052 4,175 SH SOLE 4,175 0 0
INVESCO CURRENCYSHARES CDN D CDN DLR SHS 46138T104 344,652 5,000 SH SOLE 5,000 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 3,328,238 307,033 SH SOLE 307,033 0 0
INVESCO EXCH TRADED FD TR II RAFI DVLPD MRKTS 46138E735 1,261,784 28,050 SH SOLE 28,050 0 0
INVESCO EXCH TRADED FD TR II RAFI DVLPD MRKTS 46138E743 24,681,483 326,302 SH SOLE 326,302 0 0
INVESCO EXCH TRADED FD TR II RAFI EMRGNG MRKT 46138E727 2,017,815 72,375 SH SOLE 72,375 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 2,858,889 140,348 SH SOLE 140,348 0 0
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 31,200,434 577,465 SH SOLE 577,465 0 0
INVESCO EXCHANGE TRADED FD T RAFI US 1500 46137V597 6,094,434 109,278 SH SOLE 109,278 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 6,756,626 9,175 SH SOLE 9,175 0 0
ISHARES INC CORE MSCI EMKT 46434G103 2,741,590 33,095 SH SOLE 33,095 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 413,670 5,038 SH SOLE 5,038 0 0
ISHARES TR 10-20 YR TRS ETF 464288653 335,671 3,345 SH SOLE 3,345 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 336,494 2,865 SH SOLE 2,865 0 0
ISHARES TR BROAD USD HIGH 46435U853 3,328,431 89,909 SH SOLE 89,909 0 0
ISHARES TR CORE INTL AGGR 46435G672 835,102 16,504 SH SOLE 16,504 0 0
ISHARES TR CORE MSCI EAFE 46432F842 5,818,752 60,248 SH SOLE 60,248 0 0
ISHARES TR CORE S&P MCP ETF 464287507 245,364 3,182 SH SOLE 3,182 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,430,598 9,646 SH SOLE 9,646 0 0
ISHARES TR CORE S&P US GWT 464287671 47,832,416 254,306 SH SOLE 254,306 0 0
ISHARES TR CORE S&P500 ETF 464287200 26,190,930 34,973 SH SOLE 34,973 0 0
ISHARES TR CORE US AGGBD ET 464287226 69,209,389 699,226 SH SOLE 699,226 0 0
ISHARES TR CRE U S REIT ETF 464288521 26,076,708 392,426 SH SOLE 392,426 0 0
ISHARES TR EAFE SML CP ETF 464288273 9,309,180 113,154 SH SOLE 113,154 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 2,138,444 40,219 SH SOLE 40,219 0 0
ISHARES TR MSCI EAFE ETF 464287465 677,921 6,526 SH SOLE 6,526 0 0
ISHARES TR NATIONAL MUN ETF 464288414 18,885,588 175,484 SH SOLE 175,484 0 0
ISHARES TR PFD AND INCM SEC 464288687 1,750,096 57,399 SH SOLE 57,399 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 374,993 3,020 SH SOLE 3,020 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 242,188 999 SH SOLE 999 0 0
ISHARES TR RUS MID CAP ETF 464287499 480,444 4,355 SH SOLE 4,355 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 335,002 1,115 SH SOLE 1,115 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 362,392 2,635 SH SOLE 2,635 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 4,062,576 38,157 SH SOLE 38,157 0 0
ISHARES TR TIPS BD ETF 464287176 7,066,771 64,578 SH SOLE 64,578 0 0
JOHNSON & JOHNSON COM 478160104 3,922,821 15,446 SH SOLE 15,446 0 0
JPMORGAN CHASE & CO COM 46625H100 10,776,119 32,921 SH SOLE 32,921 0 0
MASTERCARD INCORPORATED CL A 57636Q104 2,245,459 4,372 SH SOLE 4,372 0 0
MCDONALDS CORP COM 580135101 787,143 2,912 SH SOLE 2,912 0 0
MCKESSON CORP COM 58155Q103 487,362 645 SH SOLE 645 0 0
MERCK & CO INC COM 58933Y105 1,060,067 8,250 SH SOLE 8,250 0 0
META PLATFORMS INC CL A 30303M102 986,321 1,751 SH SOLE 1,751 0 0
MICROSOFT CORP COM 594918104 7,778,049 20,852 SH SOLE 20,852 0 0
MONDELEZ INTL INC CL A 609207105 1,256,574 21,725 SH SOLE 21,725 0 0
MORGAN STANLEY COM NEW 617446448 1,298,347 6,211 SH SOLE 6,211 0 0
NEXTERA ENERGY INC COM 65339F101 850,755 9,693 SH SOLE 9,693 0 0
NRG ENERGY INC COM NEW 629377508 389,254 2,665 SH SOLE 2,665 0 0
NVIDIA CORPORATION COM 67066G104 26,847,076 134,175 SH SOLE 134,175 0 0
ONEOK INC NEW COM 682680103 3,011,080 34,634 SH SOLE 34,634 0 0
ORACLE CORP COM 68389X105 252,461 1,723 SH SOLE 1,723 0 0
PACKAGING CORP AMER COM 695156109 1,964,142 8,243 SH SOLE 8,243 0 0
PARKER-HANNIFIN CORP COM 701094104 1,407,515 1,439 SH SOLE 1,439 0 0
PEPSICO INC COM 713448108 1,220,902 9,017 SH SOLE 9,017 0 0
PFIZER INC COM 717081103 388,377 16,129 SH SOLE 16,129 0 0
PHILIP MORRIS INTL INC COM 718172109 3,287,135 18,170 SH SOLE 18,170 0 0
PHILLIPS 66 COM 718546104 228,963 1,354 SH SOLE 1,354 0 0
PPG INDS INC COM 693506107 341,674 2,817 SH SOLE 2,817 0 0
PROCTER & GAMBLE CO COM 742718109 1,067,832 7,282 SH SOLE 7,282 0 0
QUALCOMM INC COM 747525103 1,089,522 5,896 SH SOLE 5,896 0 0
RESMED INC COM 761152107 309,859 1,590 SH SOLE 1,590 0 0
ROCKET ONE INC COM NEW 44148G204 10,000 10,000 SH SOLE 10,000 0 0
RTX CORPORATION COM 75513E101 1,002,154 5,282 SH SOLE 5,282 0 0
S&P GLOBAL INC COM 78409V104 203,630 500 SH SOLE 500 0 0
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 463,707 18,804 SH SOLE 18,804 0 0
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 11,783,667 520,480 SH SOLE 520,480 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 59,898,583 1,651,919 SH SOLE 1,651,919 0 0
SCHWAB STRATEGIC TR FUND EM EQUI ETF 808524730 16,253,245 409,608 SH SOLE 409,608 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 11,114,947 228,891 SH SOLE 228,891 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 53,909,482 1,021,787 SH SOLE 1,021,787 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 112,169,148 3,606,725 SH SOLE 3,606,725 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 16,410,254 431,168 SH SOLE 431,168 0 0
SCHWAB STRATEGIC TR HIGH YIEL BD ETF 808524631 13,332,453 509,261 SH SOLE 509,261 0 0
SCHWAB STRATEGIC TR INTERNL DIVID 808524672 8,919,049 281,092 SH SOLE 281,092 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 107,454,029 3,879,207 SH SOLE 3,879,207 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 29,796,145 619,205 SH SOLE 619,205 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 2,213,827 89,774 SH SOLE 89,774 0 0
SCHWAB STRATEGIC TR LONG TERM US 808524680 2,813,620 89,892 SH SOLE 89,892 0 0
SCHWAB STRATEGIC TR MUN BD ETF 808524649 27,245,316 1,055,202 SH SOLE 1,055,202 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 27,502,364 1,139,286 SH SOLE 1,139,286 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 152,702,340 6,601,917 SH SOLE 6,601,917 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 14,541,879 458,590 SH SOLE 458,590 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 78,192,531 2,310,654 SH SOLE 2,310,654 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 124,732,985 4,238,294 SH SOLE 4,238,294 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 273,870 7,428 SH SOLE 7,428 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 35,489,903 1,498,729 SH SOLE 1,498,729 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 31,407,819 869,300 SH SOLE 869,300 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 7,225,570 272,663 SH SOLE 272,663 0 0
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 1,102,903 5,789 SH SOLE 5,789 0 0
SHELL PLC SPON ADS 780259305 236,342 3,048 SH SOLE 3,048 0 0
SOUTHERN CO COM 842587107 277,559 2,900 SH SOLE 2,900 0 0
SPDR GOLD TR GOLD SHS 78463V107 1,510,358 4,100 SH SOLE 4,100 0 0
SPDR SERIES TRUST ST NUVE TERM ETF 78468R739 2,321,218 48,394 SH SOLE 48,394 0 0
SPDR SERIES TRUST ST STR SP DIV 78464A763 4,268,345 28,048 SH SOLE 28,048 0 0
SPDR SERIES TRUST ST STR TIPS ETF 78464A656 1,224,525 47,684 SH SOLE 47,684 0 0
STARBUCKS CORP COM 855244109 701,432 6,864 SH SOLE 6,864 0 0
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 2,892,134 5,536 SH SOLE 5,536 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 5,715,104 7,653 SH SOLE 7,653 0 0
SYSCO CORP COM 871829107 351,287 4,203 SH SOLE 4,203 0 0
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 2,987,678 6,256 SH SOLE 6,256 0 0
THOMSON REUTERS CORP COM 884903881 540,329 6,616 SH SOLE 6,616 0 0
TJX COS INC NEW COM 872540109 371,781 2,454 SH SOLE 2,454 0 0
TRAVELERS COMPANIES INC COM 89417E109 386,240 1,170 SH SOLE 1,170 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 655,890 1,000 SH SOLE 1,000 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 48,199,758 656,583 SH SOLE 656,583 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 315,279 6,510 SH SOLE 6,510 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 217,086 2,520 SH SOLE 2,520 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 3,005,429 8,739 SH SOLE 8,739 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 4,047,515 50,236 SH SOLE 50,236 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 536,826 5,567 SH SOLE 5,567 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 133,612,017 194,540 SH SOLE 194,540 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 22,173,582 73,151 SH SOLE 73,151 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,123,747 3,037 SH SOLE 3,037 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 626,450 7,480 SH SOLE 7,480 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 15,071,128 252,490 SH SOLE 252,490 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 217,985 2,462 SH SOLE 2,462 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 870,532 17,211 SH SOLE 17,211 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 20,792,416 357,258 SH SOLE 357,258 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 250,500 1,059 SH SOLE 1,059 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 586,277 6,858 SH SOLE 6,858 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 69,814,455 979,852 SH SOLE 979,852 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 762,543 18,010 SH SOLE 18,010 0 0
VISA INC COM CL A 92826C839 979,179 2,854 SH SOLE 2,854 0 0
WALMART INC COM 931142103 2,714,825 23,970 SH SOLE 23,970 0 0