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
ABBVIE INC COM 00287Y109 706,297 2,807 SH SOLE 0 0 2,782
ABERDEEN MULTI-MARKET INCOME SH BEN INT 552737108 203,175 46,176 SH SOLE 0 0 46,176
ADVANCED MICRO DEVICES INC COM 007903107 411,284 708 SH SOLE 0 0 708
AFLAC INC COM 001055102 947,527 8,081 SH SOLE 0 0 7,881
ALPHABET INC CAP STK CL C 02079K107 2,806,126 7,942 SH SOLE 0 0 7,715
ALPHABET INC CAP STK CL A 02079K305 1,337,057 3,741 SH SOLE 0 0 3,731
ALTRIA GROUP INC COM 02209S103 866,410 12,042 SH SOLE 0 0 12,042
AMAZON COM INC COM 023135106 3,375,893 14,164 SH SOLE 0 0 14,068
AMERICAN ELEC PWR CO INC COM 025537101 2,372,969 17,345 SH SOLE 0 0 17,234
APPLE INC COM 037833100 5,246,713 18,132 SH SOLE 0 0 17,978
ARM HOLDINGS PLC SPONSORED ADS 042068205 231,889 654 SH SOLE 0 0 654
ASTRAZENECA PLC ORD G0593M107 313,252 1,652 SH SOLE 0 0 1,652
AT&T INC COM 00206R102 298,135 14,403 SH SOLE 0 0 14,230
AT&T INC COM 00206R102 393 19 SH DFND 0 0 19
AUTOMATIC DATA PROCESSING IN COM 053015103 358,320 1,600 SH SOLE 0 0 1,600
BANK OF NY MELLON CORP COM 064058100 211,068 1,460 SH SOLE 0 0 1,460
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,594,243 3,186 SH SOLE 0 0 3,164
BLACKROCK CR ALLOCATION COM 092508100 132,897 13,004 SH SOLE 0 0 13,004
BP PLC SPONSORED ADR 055622104 485,565 13,141 SH SOLE 0 0 13,141
BROADCOM INC COM 11135F101 580,632 1,537 SH SOLE 0 0 1,537
CARRIER GLOBAL CORPORATION COM 14448C104 338,940 4,621 SH SOLE 0 0 4,621
CATERPILLAR INC COM 149123101 1,294,090 1,215 SH SOLE 0 0 1,100
CHEVRON CORPORATION COM 166764100 3,266,445 19,706 SH SOLE 0 0 19,598
CISCO SYS INC COM 17275R102 1,094,893 9,321 SH SOLE 0 0 9,321
COCA COLA CO COM 191216100 424,787 5,227 SH SOLE 0 0 5,227
COLGATE PALMOLIVE CO COM 194162103 333,715 3,640 SH SOLE 0 0 3,640
CONSOLIDATED EDISON INC COM 209115104 984,346 8,898 SH SOLE 0 0 8,898
CONSTELLATION ENERGY CORP COM 21037T109 1,042,674 4,198 SH SOLE 0 0 4,174
COSTCO WHOLESALE CORPORATION COM 22160K105 1,479,914 1,582 SH SOLE 0 0 1,575
CROWDSTRIKE HLDGS INC CL A 22788C105 357,252 468 SH SOLE 0 0 463
CUMMINS INC COM 231021106 274,971 386 SH SOLE 0 0 386
DUKE ENERGY CORP NEW COM NEW 26441C204 909,739 7,187 SH SOLE 0 0 6,922
EATON CORP PLC SHS G29183103 646,617 1,517 SH SOLE 0 0 1,517
ELI LILLY & CO COM 532457108 2,516,526 2,098 SH SOLE 0 0 2,082
EMERSON ELEC CO COM 291011104 368,039 2,571 SH SOLE 0 0 2,571
ENTERGY CORP NEW COM 29364G103 219,038 1,907 SH SOLE 0 0 1,907
EXXON MOBIL CORP COM 30231G102 3,047,229 22,288 SH SOLE 0 0 21,008
FORD MTR CO COM 345370860 170,383 12,258 SH SOLE 0 0 12,258
GE AEROSPACE COM NEW 369604301 374,537 1,002 SH SOLE 0 0 964
GE VERNOVA INC COM 36828A101 359,813 306 SH SOLE 0 0 297
GOLDMAN SACHS GROUP INC COM 38141G104 498,758 493 SH SOLE 0 0 493
GSK PLC SPONSORED ADR 37733W204 270,015 5,151 SH SOLE 0 0 5,151
HOME DEPOT INC COM 437076102 711,953 2,019 SH SOLE 0 0 2,019
INTERNATIONAL BUSINESS MACHS COM 459200101 721,454 2,566 SH SOLE 0 0 2,539
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464 558,061 3,280 SH SOLE 0 0 2,080
INVESCO EXCHANGE TRADED FD T S&P SMLCP MOMENT 46137V498 342,552 3,659 SH SOLE 0 0 2,201
INVESCO EXCHANGE TRADED FD T AEROSPACE DEFN 46137V100 1,895,984 10,733 SH SOLE 0 0 10,672
INVESCO QQQ TR UNIT SER 1 46090E103 1,802,624 2,448 SH SOLE 0 0 2,350
ISHARES GOLD TR ISHARES NEW 464285204 2,684,909 35,557 SH SOLE 0 0 35,363
ISHARES TR CORE UNIVRSL USD 46434V613 1,659,532 35,960 SH SOLE 0 0 35,804
ISHARES TR RUSEL 2500 ETF 46435G268 250,106 2,730 SH SOLE 0 0 2,714
ISHARES TR RUS 1000 GRW ETF 464287614 1,459,828 11,757 SH SOLE 0 0 8,398
ISHARES TR CORE S&P TTL STK 464287150 1,510,958 9,198 SH SOLE 0 0 9,198
ISHARES TR GLB CNSM STP ETF 464288737 1,783,805 26,415 SH SOLE 0 0 26,268
ISHARES TR U.S. INSRNCE ETF 464288786 2,424,801 17,251 SH SOLE 0 0 17,150
ISHARES TR RUS 1000 ETF 464287622 13,617,513 33,254 SH SOLE 0 0 32,129
ISHARES TR RUSSELL 2000 ETF 464287655 484,395 1,612 SH SOLE 0 0 1,612
ISHARES TR CORE US AGGBD ET 464287226 258,366 2,610 SH SOLE 0 0 2,610
ISHARES TR RUS 2000 GRW ETF 464287648 654,368 1,661 SH SOLE 0 0 1,661
ISHARES TR NATIONAL MUN ETF 464288414 739,900 6,875 SH SOLE 0 0 4,677
ISHARES TR MSCI EAFE ETF 464287465 240,898 2,319 SH SOLE 0 0 2,319
ISHARES TR ESG AWR MSCI USA 46435G425 372,840 2,278 SH SOLE 0 0 2,278
ISHARES TR CORE S&P500 ETF 464287200 303,300 405 SH SOLE 0 0 86
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 3,643,016 72,039 SH SOLE 0 0 70,487
JOHNSON & JOHNSON COM 478160104 3,030,365 11,932 SH SOLE 0 0 11,888
JPMORGAN CHASE & CO COM 46625H100 2,172,364 6,637 SH SOLE 0 0 6,545
KRAFT HEINZ CO COM 500754106 523,207 22,151 SH SOLE 0 0 22,151
L3HARRIS TECHNOLOGIES INC COM 502431109 341,575 1,175 SH SOLE 0 0 1,175
LAM RESEARCH CORP COM NEW 512807306 273,013 630 SH SOLE 0 0 630
MARSH & MCLENNAN COS INC COM 571748102 297,839 1,787 SH SOLE 0 0 1,787
MASTERCARD INCORPORATED CL A 57636Q104 940,302 1,831 SH SOLE 0 0 1,831
META PLATFORMS INC CL A 30303M102 1,003,039 1,781 SH SOLE 0 0 1,767
MICRON TECHNOLOGY INC COM 595112103 4,382,158 3,796 SH SOLE 0 0 3,787
MICROSOFT CORP COM 594918104 3,533,590 9,473 SH SOLE 0 0 9,411
NEXTERA ENERGY INC COM 65339F101 2,210,285 25,183 SH SOLE 0 0 25,065
NVIDIA CORPORATION COM 67066G104 2,417,277 12,081 SH SOLE 0 0 11,982
ORACLE CORP COM 68389X105 286,122 1,952 SH SOLE 0 0 1,930
PARKER-HANNIFIN CORP COM 701094104 356,281 364 SH SOLE 0 0 364
PEPSICO INC COM 713448108 1,183,868 8,743 SH SOLE 0 0 8,743
PFIZER INC COM 717081103 424,636 17,634 SH SOLE 0 0 17,634
PHILIP MORRIS INTL INC COM 718172109 279,771 1,546 SH SOLE 0 0 1,546
PROCTER & GAMBLE CO COM 742718109 596,629 4,069 SH SOLE 0 0 4,069
PUTNAM MASTER INTER INCOME T SH BEN INT 746909100 38,150 11,811 SH SOLE 0 0 11,811
QUALCOMM INC COM 747525103 831,727 4,501 SH SOLE 0 0 4,501
RTX CORPORATION COM 75513E101 1,386,032 7,305 SH SOLE 0 0 7,305
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 212,570 7,674 SH SOLE 0 0 7,674
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 272,309 11,773 SH SOLE 0 0 11,773
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 578,476 19,975 SH SOLE 0 0 13,975
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 917,816 28,944 SH SOLE 0 0 20,576
SEI INVTS CO COM 784117103 326,932 3,727 SH SOLE 0 0 3,727
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 277,844 6,128 SH SOLE 0 0 6,128
SELECT SECTOR SPDR TR ST STR DISCR ETF 81369Y407 289,564 2,469 SH SOLE 0 0 2,469
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 390,280 2,107 SH SOLE 0 0 2,107
SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308 355,872 4,284 SH SOLE 0 0 4,284
SOUTHERN CO COM 842587107 818,613 8,553 SH SOLE 0 0 8,527
SPDR SERIES TRUST ST STR SP HOME 78464A888 1,064,885 9,215 SH SOLE 0 0 9,132
STARBUCKS CORP COM 855244109 207,373 2,029 SH SOLE 0 0 2,029
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 272,264 365 SH SOLE 0 0 308
TESLA INC COM 88160R101 373,493 888 SH SOLE 0 0 865
UBER TECHNOLOGIES INC COM 90353T100 213,956 2,965 SH SOLE 0 0 2,965
UNION PAC CORP COM 907818108 430,576 1,583 SH SOLE 0 0 1,583
UNITED PARCEL SVCS INC CL B 911312106 598,345 5,566 SH SOLE 0 0 5,566
UNITED RENTALS INC COM 911363109 368,194 325 SH SOLE 0 0 325
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 5,759,760 69,714 SH SOLE 0 0 67,638
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,340,077 17,472 SH SOLE 0 0 16,836
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 254,072 3,461 SH SOLE 0 0 1,705
VANGUARD INDEX FDS GROWTH ETF 922908736 290,995 3,378 SH SOLE 0 0 3,378
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,037,081 10,019 SH SOLE 0 0 9,942
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 909,541 10,860 SH SOLE 0 0 8,779
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,150,512 14,558 SH SOLE 0 0 13,934
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 471,684 5,707 SH SOLE 0 0 4,849
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 233,988 989 SH SOLE 0 0 879
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 4,575,461 64,217 SH SOLE 0 0 61,042
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,333,658 8,439 SH SOLE 0 0 6,427
VERIZON COMMUNICATIONS INC COM 92343V104 3,222,869 76,119 SH SOLE 0 0 75,798
VISA INC COM CL A 92826C839 9,142,176 26,647 SH SOLE 0 0 26,290
WELLS FARGO & CO COM 949746101 417,993 5,058 SH SOLE 0 0 5,058
WINCHESTER BANCORP INC COM 97269D103 919,800 70,000 SH SOLE 0 0 0