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
AT&T INC COM 00206R102 267,692 12,932 SH SOLE 0 0 12,932
ABBVIE INC COM 00287Y109 2,144,476 8,522 SH SOLE 0 0 8,522
ADVANCED MICRO DEVICES INC COM 007903107 1,669,535 2,874 SH SOLE 0 0 2,874
AIR PRODUCTS AND CHEMICALS I COM 009158106 1,466,780 5,003 SH SOLE 0 0 5,003
ALPHABET INC CAP STK CL C 02079K107 2,031,647 5,750 SH SOLE 0 0 5,750
ALPHABET INC CAP STK CL A 02079K305 5,100,032 14,271 SH SOLE 0 0 14,271
ALTRIA GROUP INC COM 02209S103 279,742 3,888 SH SOLE 0 0 3,888
AMAZON COM INC COM 023135106 2,389,597 10,026 SH SOLE 0 0 10,026
AMERICAN TOWER CORP COM 03027X100 314,054 1,920 SH SOLE 0 0 1,920
AMGEN INC COM 031162100 1,546,977 4,272 SH SOLE 0 0 4,272
AMPHENOL CORP CL A 032095101 1,157,893 6,567 SH SOLE 0 0 6,567
ANALOG DEVICES INC COM 032654105 1,461,983 3,681 SH SOLE 0 0 3,681
APOLLO GLOBAL MGMT INC COM 03769M106 431,122 3,644 SH SOLE 0 0 3,644
APPLE INC COM 037833100 15,076,528 52,103 SH SOLE 0 0 52,103
APPLIED MATLS INC COM 038222105 1,350,564 1,868 SH SOLE 0 0 1,868
AUTOMATIC DATA PROCESSING IN COM 053015103 296,734 1,325 SH SOLE 0 0 1,325
AUTOZONE INC COM 053332102 2,754,900 862 SH SOLE 0 0 862
BECTON DICKINSON & CO COM 075887109 303,417 2,005 SH SOLE 0 0 2,005
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,336,041 2,670 SH SOLE 0 0 2,670
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 633,366 12,101 SH SOLE 0 0 12,101
BLACKSTONE INC COM 09260D107 319,003 2,711 SH SOLE 0 0 2,711
BOEING CO COM 097023105 342,672 1,583 SH SOLE 0 0 1,583
BOOKING HOLDINGS INC COM 09857L108 296,413 1,663 SH SOLE 0 0 1,663
BROADCOM INC COM 11135F101 2,163,374 5,727 SH SOLE 0 0 5,727
CME GROUP INC COM 12572Q105 903,857 4,093 SH SOLE 0 0 4,093
CVS HEALTH CORP COM 126650100 740,081 7,154 SH SOLE 0 0 7,154
CAPITAL ONE FINL CORP COM 14040H105 683,713 3,408 SH SOLE 0 0 3,408
CARRIER GLOBAL CORPORATION COM 14448C104 338,437 4,614 SH SOLE 0 0 4,614
CISCO SYS INC COM 17275R102 213,660 1,819 SH SOLE 0 0 1,819
COCA COLA CO COM 191216100 2,326,047 28,621 SH SOLE 0 0 28,621
COMCAST CORP NEW CL A 20030N101 393,978 16,048 SH SOLE 0 0 16,048
CONSTELLATION ENERGY CORP COM 21037T109 329,090 1,325 SH SOLE 0 0 1,325
CROWDSTRIKE HLDGS INC CL A 22788C105 655,537 859 SH SOLE 0 0 859
DBX ETF TR XTRACK USD HIGH 233051432 611,856 16,754 SH SOLE 0 0 16,754
DEERE & CO COM 244199105 262,613 414 SH SOLE 0 0 414
DEVON ENERGY CORP NEW COM 25179M103 252,961 6,122 SH SOLE 0 0 6,122
DIAMONDBACK ENERGY INC COM 25278X109 271,932 1,547 SH SOLE 0 0 1,547
DISNEY WALT CO COM 254687106 1,121,701 11,654 SH SOLE 0 0 11,654
DOMINOS PIZZA INC COM 25754A201 994,990 3,361 SH SOLE 0 0 3,361
ECOLAB INC COM 278865100 1,160,411 4,165 SH SOLE 0 0 4,165
EXPEDITORS INTL WASH INC COM 302130109 1,389,893 8,528 SH SOLE 0 0 8,528
EXXON MOBIL CORP COM 30231G102 2,910,632 21,289 SH SOLE 0 0 21,289
META PLATFORMS INC CL A 30303M102 1,594,115 2,830 SH SOLE 0 0 2,830
FASTENAL CO COM 311900104 1,027,842 21,400 SH SOLE 0 0 21,400
FIDELITY COVINGTON TRUST ENHANCED SML CAP 31609A206 1,931,793 40,004 SH SOLE 0 0 40,004
FIDELITY COVINGTON TRUST ENHANCED LARGE 31609A305 955,062 21,830 SH SOLE 0 0 21,830
FIDELITY COVINGTON TRUST ENHANCED INTL 31609A404 1,454,472 36,244 SH SOLE 0 0 36,244
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 964,024 21,192 SH SOLE 0 0 21,192
FIDELITY MERRIMACK STR TR LOW DURTIN ETF 316188408 564,389 11,263 SH SOLE 0 0 11,263
FIRSTENERGY CORP COM 337932107 277,158 5,830 SH SOLE 0 0 5,830
GE VERNOVA INC COM 36828A101 313,688 267 SH SOLE 0 0 267
GENERAC HLDGS INC COM 368736104 578,593 1,976 SH SOLE 0 0 1,976
GENERAL DYNAMICS CORP COM 369550108 1,890,225 5,336 SH SOLE 0 0 5,336
GE AEROSPACE COM NEW 369604301 446,607 1,195 SH SOLE 0 0 1,195
GILEAD SCIENCES INC COM 375558103 275,927 2,184 SH SOLE 0 0 2,184
GOLDMAN SACHS GROUP INC COM 38141G104 433,878 429 SH SOLE 0 0 429
HALEON PLC SPON ADS 405552100 335,908 36,003 SH SOLE 0 0 36,003
HERSHEY CO COM 427866108 882,689 5,031 SH SOLE 0 0 5,031
HILTON WORLDWIDE HLDGS INC COM 43300A203 511,552 1,548 SH SOLE 0 0 1,548
HOME DEPOT INC COM 437076102 1,550,381 4,396 SH SOLE 0 0 4,396
HONEYWELL AEROSPACE INC COM 43849R105 599,127 2,710 SH SOLE 0 0 2,710
HONEYWELL INTL INC COM 438516205 576,319 2,574 SH SOLE 0 0 2,574
INTERACTIVE BROKERS GROUP IN COM CL A 45841N107 361,216 4,150 SH SOLE 0 0 4,150
INTERNATIONAL BUSINESS MACHS COM 459200101 2,701,866 9,608 SH SOLE 0 0 9,608
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 2,297,481 97,682 SH SOLE 0 0 97,682
ISHARES TR CORE S&P500 ETF 464287200 3,196,263 4,268 SH SOLE 0 0 4,268
ISHARES TR CORE S&P MCP ETF 464287507 653,739 8,478 SH SOLE 0 0 8,478
ISHARES TR CORE S&P SCP ETF 464287804 356,982 2,407 SH SOLE 0 0 2,407
ISHARES TR MSCI ACWI ETF 464288257 218,188 1,390 SH SOLE 0 0 1,390
ISHARES TR 10+ YR INVST GRD 464289511 252,952 5,055 SH SOLE 0 0 5,055
ISHARES SILVER TR ISHARES 46428Q109 300,769 5,625 SH SOLE 0 0 5,625
JPMORGAN CHASE & CO COM 46625H100 3,297,522 10,074 SH SOLE 0 0 10,074
JOHNSON & JOHNSON COM 478160104 1,712,774 6,744 SH SOLE 0 0 6,744
LAM RESEARCH CORP COM NEW 512807306 1,370,623 3,163 SH SOLE 0 0 3,163
ELI LILLY & CO COM 532457108 680,077 567 SH SOLE 0 0 567
MGM RESORTS INTERNATIONAL COM 552953101 294,844 6,167 SH SOLE 0 0 6,167
MARATHON PETE CORP COM 56585A102 281,237 1,100 SH SOLE 0 0 1,100
MARSH & MCLENNAN COS INC COM 571748102 385,008 2,310 SH SOLE 0 0 2,310
MASTERCARD INCORPORATED CL A 57636Q104 1,829,957 3,563 SH SOLE 0 0 3,563
MCDONALDS CORP COM 580135101 836,609 3,095 SH SOLE 0 0 3,095
MERCK & CO INC COM 58933Y105 973,516 7,576 SH SOLE 0 0 7,576
METLIFE INC COM 59156R108 291,904 3,450 SH SOLE 0 0 3,450
MICROSOFT CORP COM 594918104 4,952,223 13,276 SH SOLE 0 0 13,276
MICRON TECHNOLOGY INC COM 595112103 1,818,007 1,575 SH SOLE 0 0 1,575
MOODYS CORP COM 615369105 1,070,703 2,364 SH SOLE 0 0 2,364
MORGAN STANLEY COM NEW 617446448 2,540,463 12,153 SH SOLE 0 0 12,153
MORGAN STANLEY ETF TRUST EATO VANC BD ETF 61774R841 750,964 14,809 SH SOLE 0 0 14,809
MOTOROLA SOLUTIONS INC COM NEW 620076307 222,595 536 SH SOLE 0 0 536
NVR INC COM 62944T105 769,914 113 SH SOLE 0 0 113
NEXTERA ENERGY INC COM 65339F101 1,776,640 20,242 SH SOLE 0 0 20,242
NIKE INC CL B 654106103 1,192,146 29,041 SH SOLE 0 0 29,041
NORTHROP GRUMMAN CORP COM 666807102 402,864 791 SH SOLE 0 0 791
NVIDIA CORPORATION COM 67066G104 3,891,556 19,449 SH SOLE 0 0 19,449
OREILLY AUTOMOTIVE INC COM 67103H107 1,954,794 21,227 SH SOLE 0 0 21,227
OLD DOMINION FREIGHT LINE IN COM 679580100 337,463 1,558 SH SOLE 0 0 1,558
ORACLE CORP COM 68389X105 684,095 4,668 SH SOLE 0 0 4,668
OTIS WORLDWIDE CORP COM 68902V107 452,870 6,325 SH SOLE 0 0 6,325
PNC FINL SVCS GROUP INC COM 693475105 286,354 1,163 SH SOLE 0 0 1,163
PALO ALTO NETWORKS INC COM 697435105 1,564,259 4,587 SH SOLE 0 0 4,587
PHILIP MORRIS INTL INC COM 718172109 578,369 3,197 SH SOLE 0 0 3,197
PIMCO ETF TR MULTISECTOR BD 72201R585 605,849 22,845 SH SOLE 0 0 22,845
PROCTER & GAMBLE CO COM 742718109 1,096,427 7,477 SH SOLE 0 0 7,477
PROGRESSIVE CORP COM 743315103 2,799,218 12,814 SH SOLE 0 0 12,814
PROVIDENT FINL SVCS INC COM 74386T105 470,152 19,888 SH SOLE 0 0 19,888
PUBLIC SVC ENTERPRISE GROUP COM 744573106 272,211 3,354 SH SOLE 0 0 3,354
PUBLIC STORAGE COM 74460D109 399,797 1,256 SH SOLE 0 0 1,256
PUTNAM ETF TRUST FOCUSED LAR CAP 746729300 420,439 8,252 SH SOLE 0 0 8,252
QUALCOMM INC COM 747525103 352,949 1,910 SH SOLE 0 0 1,910
QUANTA SVCS INC COM 74762E102 205,931 286 SH SOLE 0 0 286
RTX CORPORATION COM 75513E101 1,070,662 5,643 SH SOLE 0 0 5,643
REDWOOD TRUST INC NOTE 7.750% 6/1 758075AF2 50,500 50,000 PRN SOLE 0 0 50,000
ROSS STORES INC COM 778296103 479,764 2,254 SH SOLE 0 0 2,254
S&P GLOBAL INC COM 78409V104 523,329 1,285 SH SOLE 0 0 1,285
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 280,786 376 SH SOLE 0 0 376
SPDR GOLD TR GOLD SHS 78463V107 929,467 2,523 SH SOLE 0 0 2,523
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 285,642 3,117 SH SOLE 0 0 3,117
SPDR SERIES TRUST ST STR NUVEE ETF 78468R721 778,417 16,996 SH SOLE 0 0 16,996
SALESFORCE INC COM 79466L302 341,362 2,179 SH SOLE 0 0 2,179
SEMPRA COM 816851109 280,262 3,023 SH SOLE 0 0 3,023
SERVICENOW INC COM 81762P102 378,058 3,808 SH SOLE 0 0 3,808
SNOWFLAKE INC COM SHS 833445109 246,610 969 SH SOLE 0 0 969
SOUTHERN CO COM 842587107 1,059,988 11,075 SH SOLE 0 0 11,075
STARBUCKS CORP COM 855244109 315,154 3,084 SH SOLE 0 0 3,084
STRATEGIC ED INC COM 86272C103 362,796 4,735 SH SOLE 0 0 4,735
TJX COS INC NEW COM 872540109 1,714,374 11,316 SH SOLE 0 0 11,316
T-MOBILE US INC COM 872590104 243,041 1,449 SH SOLE 0 0 1,449
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 1,326,212 2,777 SH SOLE 0 0 2,777
TELEDYNE TECHNOLOGIES INC COM 879360105 215,409 323 SH SOLE 0 0 323
TESLA INC COM 88160R101 495,046 1,177 SH SOLE 0 0 1,177
TEXAS INSTRS INC COM 882508104 2,678,755 8,987 SH SOLE 0 0 8,987
TORONTO DOMINION BK ONT COM NEW 891160509 229,503 1,890 SH SOLE 0 0 1,890
TRAVELERS COMPANIES INC COM 89417E109 268,057 812 SH SOLE 0 0 812
TRILOGY METALS INC NEW COM 89621C105 62,460 17,795 SH SOLE 0 0 17,795
TRUIST FINL CORP COM 89832Q109 650,848 13,064 SH SOLE 0 0 13,064
US BANCORP COM NEW 902973304 378,164 6,261 SH SOLE 0 0 6,261
UBER TECHNOLOGIES INC COM 90353T100 521,356 7,225 SH SOLE 0 0 7,225
UNILEVER PLC SPON ADR NEW 904767803 452,102 7,520 SH SOLE 0 0 7,520
UNION PAC CORP COM 907818108 444,448 1,634 SH SOLE 0 0 1,634
UNITED RENTALS INC COM 911363109 626,497 553 SH SOLE 0 0 553
UNITEDHEALTH GROUP INC COM 91324P102 3,648,434 8,778 SH SOLE 0 0 8,778
VANECK ETF TRUST LONG MUNI ETF 92189F536 1,027,364 57,782 SH SOLE 0 0 57,782
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 241,521 3,100 SH SOLE 0 0 3,100
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 7,771,594 109,075 SH SOLE 0 0 109,075
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 714,405 7,275 SH SOLE 0 0 7,275
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 253,773 5,240 SH SOLE 0 0 5,240
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,466,304 74,825 SH SOLE 0 0 74,825
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 1,357,811 18,044 SH SOLE 0 0 18,044
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 597,590 870 SH SOLE 0 0 870
VANGUARD INDEX FDS MID CAP ETF 922908629 1,834,740 22,772 SH SOLE 0 0 22,772
VANGUARD INDEX FDS VALUE ETF 922908744 425,835 1,954 SH SOLE 0 0 1,954
VERIZON COMMUNICATIONS INC COM 92343V104 250,526 5,917 SH SOLE 0 0 5,917
VERTEX PHARMACEUTICALS INC COM 92532F100 343,240 691 SH SOLE 0 0 691
VIATRIS INC COM 92556V106 336,942 21,218 SH SOLE 0 0 21,218
VISA INC COM CL A 92826C839 4,941,868 14,404 SH SOLE 0 0 14,404
VULCAN MATLS CO COM 929160109 234,238 794 SH SOLE 0 0 794
WEC ENERGY GROUP INC COM 92939U106 256,894 2,200 SH SOLE 0 0 2,200
WALMART INC COM 931142103 2,340,646 20,666 SH SOLE 0 0 20,666
WASTE MGMT INC DEL COM 94106L109 215,748 968 SH SOLE 0 0 968
WELLS FARGO & CO COM 949746101 219,409 2,655 SH SOLE 0 0 2,655
WILLIAMS COS INC COM 969457100 1,113,316 14,976 SH SOLE 0 0 14,976
XYLEM INC COM 98419M100 229,209 1,939 SH SOLE 0 0 1,939
ARCH CAP GROUP LTD ORD G0450A105 1,707,382 17,591 SH SOLE 0 0 17,591
ASTRAZENECA PLC ORD G0593M107 499,269 2,633 SH SOLE 0 0 2,633
FERROGLOBE PLC SHS G33856108 48,574 15,275 SH SOLE 0 0 15,275
LINDE PLC SHS G54950103 519,459 1,001 SH SOLE 0 0 1,001
MEDTRONIC PLC SHS G5960L103 861,860 11,017 SH SOLE 0 0 11,017
CHUBB LIMITED COM H1467J104 243,629 715 SH SOLE 0 0 715
SPOTIFY TECHNOLOGY S A SHS L8681T102 239,666 522 SH SOLE 0 0 522
ASML HLDG NV N Y REGISTRY SHS N07059210 479,455 241 SH SOLE 0 0 241