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
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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
Abbott Laboratories COM 002824100 741,074 8,167 SH SOLE 8,167 0 0
AbbVie Inc. COM 00287Y109 2,280,613 9,063 SH SOLE 9,063 0 0
Aflac Inc COM 001055102 1,736,590 14,811 SH SOLE 14,811 0 0
Agilent Technologies COM 00846U101 369,533 2,782 SH SOLE 2,782 0 0
Alphabet Inc. Cl. A CAP STK CL A 02079K305 1,305,830 3,654 SH SOLE 3,654 0 0
Alphabet Inc. Cl. C CAP STK CL C 02079K107 338,490 958 SH SOLE 958 0 0
Amazon.com Inc COM 023135106 271,946 1,141 SH SOLE 1,141 0 0
American Express Company COM 025816109 312,543 924 SH SOLE 924 0 0
Amgen Incorporated COM 031162100 809,700 2,236 SH SOLE 2,236 0 0
Amphenol Corp CL A 032095101 478,004 2,711 SH SOLE 2,711 0 0
Analog Devices COM 032654105 720,466 1,814 SH SOLE 1,814 0 0
Apple Inc. COM 037833100 3,094,216 10,693 SH SOLE 10,693 0 0
Applied Materials COM 038222105 1,616,628 2,236 SH SOLE 2,236 0 0
Archer-Daniels-Midland Co COM 039483102 811,750 10,625 SH SOLE 10,625 0 0
AT&T Inc. COM 001957109 744,413 35,962 SH SOLE 35,962 0 0
Bank of America Corp COM 06605F102 1,425,925 25,025 SH SOLE 25,025 0 0
Berkshire Hathaway Cl. B CL B NEW 084670702 675,527 1,350 SH SOLE 1,350 0 0
Boeing Co COM 097023105 500,046 2,310 SH SOLE 2,310 0 0
Bristol-Myers Squibb Co COM 110122108 630,939 10,950 SH SOLE 10,950 0 0
Broadcom Inc. COM 11135F101 2,542,635 6,731 SH SOLE 6,731 0 0
Carrier Global Corp. COM 14448C104 373,498 5,092 SH SOLE 5,092 0 0
Caterpillar Inc COM 149123101 964,799 906 SH SOLE 906 0 0
Centerpoint Energy COM 15189T107 248,342 5,639 SH SOLE 5,639 0 0
Charles Schwab Corp. COM 808513105 392,148 4,250 SH SOLE 4,250 0 0
Chevron Corporation COM 166764100 1,456,865 8,789 SH SOLE 8,789 0 0
Cisco Systems Inc. COM 17275R102 1,485,869 12,650 SH SOLE 12,650 0 0
Coca-Cola Company COM 191216100 291,317 3,585 SH SOLE 3,585 0 0
ConocoPhillips COM 20825C104 402,637 3,873 SH SOLE 3,873 0 0
Constellation Brands Cl. A COM 21036P108 300,852 2,163 SH SOLE 2,163 0 0
Constellation Energy Corp. COM 21037T109 380,751 1,533 SH SOLE 1,533 0 0
Corteva Inc. COM 22052L104 237,047 2,799 SH SOLE 2,799 0 0
CVS Health Corp. COM 126650100 476,387 4,605 SH SOLE 4,605 0 0
Deere & Co. COM 244199105 596,270 940 SH SOLE 940 0 0
Disney (Walt) Co COM 254687106 482,019 5,008 SH SOLE 5,008 0 0
Dominion Energy Inc. COM 25746U109 236,079 3,457 SH SOLE 3,457 0 0
Dow Inc. COM 260557103 219,619 8,027 SH SOLE 8,027 0 0
Equifax Inc. COM 294429105 371,087 2,338 SH SOLE 2,338 0 0
ExxonMobil Holdings Corp COM 30233Q108 1,364,329 9,979 SH SOLE 9,979 0 0
Financial Select Sector SPDR ETF FINANCIAL 81369Y605 289,494 5,400 SH SOLE 5,400 0 0
GE Aerospace COM NEW 369604103 2,293,581 6,137 SH SOLE 6,137 0 0
GE Vernova Inc COM 36828A101 560,408 477 SH SOLE 477 0 0
General Dynamics Corp. COM 369550108 232,381 656 SH SOLE 656 0 0
Goldman Sachs COM 38141G104 300,377 297 SH SOLE 297 0 0
Goodyear Tire & Rubber Co COM 382550101 75,742 11,476 SH SOLE 11,476 0 0
Hewlett Packard Enterprises COM 42824C109 1,345,541 29,828 SH SOLE 29,828 0 0
Home Depot COM 437076102 1,900,124 5,388 SH SOLE 5,388 0 0
Honeywell Aerospace Inc. COM 43849R105 293,594 1,328 SH SOLE 1,328 0 0
Honeywell International Inc. COM 438516106 297,563 1,329 SH SOLE 1,329 0 0
HP Inc. COM 40434L105 671,123 30,589 SH SOLE 30,589 0 0
Illinois Tool Works COM 452308109 486,576 1,799 SH SOLE 1,799 0 0
Intel Corp COM 458140100 4,360,924 31,232 SH SOLE 31,232 0 0
International Business Machines COM 459200101 1,563,809 5,561 SH SOLE 5,561 0 0
International Flavors and Fragrances COM 459506101 235,838 2,977 SH SOLE 2,977 0 0
iShares Core S&P Mid-Cap ETF CORE S&P MCP ETF 464287507 718,483 9,318 SH SOLE 9,318 0 0
iShares MSCI EAFE Growth Index EAFE GRWTH ETF 464288885 574,696 4,619 SH SOLE 4,619 0 0
IShares MSCI EAFE Index MSCI EAFE ETF 464287465 1,705,128 16,414 SH SOLE 16,414 0 0
iShares MSCI EAFE Small Cap Index EAFE SML CP ETF 464288273 607,153 7,380 SH SOLE 7,380 0 0
iShares MSCI EAFE Value Index EAFE VALUE ETF 464288877 280,403 3,663 SH SOLE 3,663 0 0
iShares MSCI Emerging Markets ex-China MSCI EMRG CHN 46434G764 505,362 4,940 SH SOLE 4,940 0 0
Ishares Russell 1000 ETF RUS 1000 ETF 464287622 260,997 637 SH SOLE 637 0 0
iShares Russell 2000 Growth Index RUS 2000 GRW ETF 464287648 667,368 1,694 SH SOLE 1,694 0 0
iShares Russell 2000 Index RUSSELL 2000 ETF 464287655 2,500,056 8,321 SH SOLE 8,321 0 0
iShares Russell 2000 Value Index RUS 2000 VAL ETF 464287630 293,090 1,325 SH SOLE 1,325 0 0
iShares Russell Mid-Cap Index RUS MID CAP ETF 464287499 253,648 2,299 SH SOLE 2,299 0 0
iShares S&P 500 Index CORE S&P500 ETF 464287200 1,632,580 2,180 SH SOLE 2,180 0 0
iShares U.S. Financial Services ETF U.S. FIN SVC ETF 464287770 302,622 3,345 SH SOLE 3,345 0 0
iShares U.S. Healthcare ETF US HLTHCARE ETF 464287762 438,617 6,546 SH SOLE 6,546 0 0
iShares U.S. Technology ETF U.S. TECH ETF 464287721 242,141 960 SH SOLE 960 0 0
Johnson & Johnson COM 478160104 1,332,063 5,245 SH SOLE 5,245 0 0
JP Morgan Chase & Co. COM 46625H100 6,212,723 18,980 SH SOLE 18,980 0 0
Keysight Technologies COM 49338L103 709,242 2,026 SH SOLE 2,026 0 0
Kimberly-Clark Corp COM 494368103 737,833 6,722 SH SOLE 6,722 0 0
Kinder Morgan, Inc. COM 49456B101 217,620 6,807 SH SOLE 6,807 0 0
L3Harris Technologies Inc. COM 502431109 683,468 2,352 SH SOLE 2,352 0 0
Labcorp Holdings Inc. COM SHS 50540R409 222,600 795 SH SOLE 795 0 0
Lilly (Eli) & C. COM 532457108 996,726 831 SH SOLE 831 0 0
Marathon Petroleum Corp. COM 56585A102 574,235 2,246 SH SOLE 2,246 0 0
McDonalds Corp COM 580135101 634,958 2,349 SH SOLE 2,349 0 0
Medtronic Inc COM 585055106 368,385 4,709 SH SOLE 4,709 0 0
Merck & Company Inc COM 58933Y105 976,404 7,598 SH SOLE 7,598 0 0
Microsoft Corp COM 594918104 3,674,620 9,851 SH SOLE 9,851 0 0
Morgan Stanley COM NEW 617446448 344,289 1,647 SH SOLE 1,647 0 0
Motorola Solutions Inc. COM 620076307 463,464 1,116 SH SOLE 1,116 0 0
NextEra Energy COM 65339F101 310,706 3,540 SH SOLE 3,540 0 0
Norfolk Southern Corp COM 655844108 1,029,653 3,273 SH SOLE 3,273 0 0
Northrop Grumman Corp COM 666807102 1,374,628 2,699 SH SOLE 2,699 0 0
NVIDIA Corp. COM 67066G104 507,513 2,536 SH SOLE 2,536 0 0
Oracle Corporation COM 68389X105 297,203 2,028 SH SOLE 2,028 0 0
Pepsico Inc. COM 713448108 1,640,598 12,117 SH SOLE 12,117 0 0
Pfizer Inc. COM 717081103 987,713 41,018 SH SOLE 41,018 0 0
Phillips 66 COM 718546104 287,047 1,698 SH SOLE 1,698 0 0
Procter & Gamble Co. COM 742718109 805,892 5,496 SH SOLE 5,496 0 0
QUALCOMM Inc. COM 747525103 620,188 3,356 SH SOLE 3,356 0 0
Reliance Inc. COM 759509102 545,082 1,459 SH SOLE 1,459 0 0
RTX Corp. COM 75513E101 2,453,399 12,931 SH SOLE 12,931 0 0
Schwab Emerging Markets Equity ETF EMRG MKTEQ ETF 808524706 1,451,778 40,038 SH SOLE 40,038 0 0
Schwab International Equity ETF INTL EQTY ETF 808524805 8,075,270 291,526 SH SOLE 291,526 0 0
Schwab U.S. Large-Cap ETF US LRG CAP ETF 808524201 28,837,456 979,866 SH SOLE 979,866 0 0
Schwab U.S. Large-Cap Growth ETF US LCAP GR ETF 808524300 4,029,870 119,086 SH SOLE 119,086 0 0
Schwab U.S. Large-Cap Value ETF US LCAP VA ETF 808524409 1,338,445 38,450 SH SOLE 38,450 0 0
Schwab U.S. Mid-Cap ETF US MID-CAP ETF 808524508 2,470,290 67,000 SH SOLE 67,000 0 0
Schwab U.S. Small-Cap ETF US SML CAP ETF 808524607 9,009,991 249,377 SH SOLE 249,377 0 0
Southern Company COM 842587107 211,328 2,208 SH SOLE 2,208 0 0
SPDR Dow Jones Industrial Avg. ETF UT SER 1 78467X109 563,207 1,078 SH SOLE 1,078 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 750,308 1,005 SH SOLE 1,005 0 0
Synchrony Financial COM 87165B103 425,430 5,594 SH SOLE 5,594 0 0
Sysco Corp. COM 871829107 275,062 3,291 SH SOLE 3,291 0 0
Technology Select Sector SPDR ETF TECHNOLOGY 81369Y803 1,813,750 9,520 SH SOLE 9,520 0 0
Texas Instruments, Inc. COM 882508104 1,085,869 3,643 SH SOLE 3,643 0 0
Trane Technologies plc SHS G8994E103 270,138 550 SH SOLE 550 0 0
UnitedHealth Group Inc. COM 910581107 4,141,128 9,963 SH SOLE 9,963 0 0
Vaneck Uranium & Nuclear Energy ETF URANIUM AND NUCL 92189F601 231,960 2,000 SH SOLE 2,000 0 0
Vanguard Dividend Appreciation ETF DIV APP ETF 921908844 216,529 915 SH SOLE 915 0 0
Vanguard Energy Sector ETF ENERGY ETF 92204A306 1,285,263 8,561 SH SOLE 8,561 0 0
Vanguard FTSE All-World Ex-US Small Cap ETF FTSE SMCAP ETF 922042718 277,722 1,800 SH SOLE 1,800 0 0
Vanguard FTSE Developed Markets ETF VAN FTSE DEV MKT 921943858 1,987,590 27,896 SH SOLE 27,896 0 0
Vanguard FTSE Emerging Markets ETF FTSE EMR MKT ETF 922042858 589,379 9,874 SH SOLE 9,874 0 0
Vanguard Growth ETF GROWTH ETF 922908736 2,019,976 23,450 SH SOLE 23,450 0 0
Vanguard Health Care Sector ETF HEALTH CAR ETF 92204A504 812,709 2,718 SH SOLE 2,718 0 0
Vanguard Industrial Sector ETF INDUSTRIAL ETF 92204A603 247,941 688 SH SOLE 688 0 0
Vanguard Large Cap ETF LARGE CAP ETF 922908637 2,647,763 7,699 SH SOLE 7,699 0 0
Vanguard Mid-Cap ETF MID CAP ETF 922908629 986,961 12,250 SH SOLE 12,250 0 0
Vanguard Small Cap Value ETF SM CP VAL ETF 922908611 461,313 1,898 SH SOLE 1,898 0 0
Vanguard Small-Cap ETF SMALL CP ETF 922908751 925,599 3,054 SH SOLE 3,054 0 0
Vanguard Small-Cap Growth ETF SML CP GRW ETF 922908595 454,931 1,244 SH SOLE 1,244 0 0
Vanguard Total International Stock ETF VG TL INTL STK F 921909768 707,601 8,277 SH SOLE 8,277 0 0
Verizon Communications COM 92343V104 899,556 21,246 SH SOLE 21,246 0 0
Viatris Inc. COM 92556V106 1,042,316 65,637 SH SOLE 65,637 0 0
Wal-Mart Stores Inc COM 931142103 647,587 5,718 SH SOLE 5,718 0 0
Warner Bros. Discovery Inc. COM SER A 934423104 206,855 7,759 SH SOLE 7,759 0 0
Wells Fargo COM 949746101 451,958 5,469 SH SOLE 5,469 0 0
White Mountain Insurance Group Ltd. COM G9618E107 236,366 114 SH SOLE 114 0 0