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
AbbottLaboratories COM 002824100 1,019,555 11,236 SH SOLE 0 0 1,019,555
AdvancedMicroDvcsInc COM 007903107 307,301 529 SH SOLE 0 0 307,301
AmazonComInc COM 023135106 6,423,025 26,949 SH SOLE 0 0 6,423,025
AppleComputerInc COM 037833100 8,877,020 30,678 SH SOLE 0 0 8,877,020
CFIndustriesHoldings,Inc COM 125269100 1,478,940 13,661 SH SOLE 0 0 1,478,940
ChevrontexacoCorp COM 166764100 1,258,118 7,590 SH SOLE 0 0 1,258,118
CorningInc. COM 219350105 305,750 1,197 SH SOLE 0 0 305,750
CumminsInc COM 231021106 8,247,204 11,564 SH SOLE 0 0 8,247,204
DetroitEdison COM 233331107 4,968,252 32,607 SH SOLE 0 0 4,968,252
FIDELITYCOVINGTONTRUST MSCICONSMDIS 316092204 451,982 4,395 SH SOLE 0 0 451,982
FIDELITYCOVINGTONTRUST MSCIENERGYIDX 316092402 4,800,707 162,406 SH SOLE 0 0 4,800,707
FIDELITYCOVINGTONTRUST MSCIHLTHCAREI 316092600 257,571 3,334 SH SOLE 0 0 257,571
FIDELITYCOVINGTONTRUST MSCIINFOTECHI 316092808 4,211,734 14,748 SH SOLE 0 0 4,211,734
FIDELITYMERRIMACKSTRTR TOTALBDETF 316188309 2,310,119 50,783 SH SOLE 0 0 2,310,119
ISHARESTR CORES&P500ETF 464287200 31,529,392 42,102 SH SOLE 0 0 31,529,392
ISHARESTR COREUSAGGBDET 464287226 30,650,450 309,663 SH SOLE 0 0 30,650,450
ISHARESTR 13YRTREASBD 464287457 8,615,063 104,921 SH SOLE 0 0 8,615,063
ISHARESTR CORES&PMCPETF 464287507 20,576,804 266,850 SH SOLE 0 0 20,576,804
ISHARESTR CORES&PUSVLU 464287663 5,666,006 51,439 SH SOLE 0 0 5,666,006
ISHARESTR CORES&PSCPETF 464287804 4,534,430 30,574 SH SOLE 0 0 4,534,430
ISHARESTR SPSMCP600VLETF 464287879 5,757,850 42,127 SH SOLE 0 0 5,757,850
ISHARESTR NATIONALMUNETF 464288414 633,128 5,883 SH SOLE 0 0 633,128
ISHARESTR MSCIKLD400SOC 464288570 3,468,763 24,361 SH SOLE 0 0 3,468,763
ISHARESTR ISHS1-5YRINVS 464288646 4,165,128 79,472 SH SOLE 0 0 4,165,128
ISHARESTR 37YRTREASBD 464288661 12,421,571 105,761 SH SOLE 0 0 12,421,571
ISHARESTR 10+YRINVSTGRD 464289511 12,174,532 243,296 SH SOLE 0 0 12,174,532
Johnson&Johnson COM 478160104 5,764,230 22,697 SH SOLE 0 0 5,764,230
KLACorp COM 482480100 4,381,734 14,523 SH SOLE 0 0 4,381,734
Lowes COM 548661107 5,249,316 23,808 SH SOLE 0 0 5,249,316
MicrosoftCorp. COM 594918104 6,317,467 16,936 SH SOLE 0 0 6,317,467
SCHWABSTRATEGICTR USBRDMKTETF 808524102 1,972,726 68,119 SH SOLE 0 0 1,972,726
SCHWABSTRATEGICTR USLRGCAPETF 808524201 308,927 10,497 SH SOLE 0 0 308,927
SCHWABSTRATEGICTR USMID-CAPETF 808524508 887,719 24,077 SH SOLE 0 0 887,719
SCHWABSTRATEGICTR USSMLCAPETF 808524607 1,231,130 34,075 SH SOLE 0 0 1,231,130
SCHWABSTRATEGICTR USAGGREGATEB 808524839 1,757,764 75,995 SH SOLE 0 0 1,757,764
UnileverPLC SPONADRNEW 904767704 1,130,496 18,804 SH SOLE 0 0 1,130,496
UnionPacificCorp COM 907818108 5,718,392 21,024 SH SOLE 0 0 5,718,392
UnitedRentalsInc COM 911363109 5,134,257 4,532 SH SOLE 0 0 5,134,257
VANGUARDBDINDEXFDS TOTALBNDMRKT 921937835 1,847,592 25,168 SH SOLE 0 0 1,847,592
VANGUARDWHITEHALLFDS HIGHDIVYLD 921946406 226,299 1,432 SH SOLE 0 0 226,299
VANGUARDWORLDFDS TOTALSTKMKT 922908769 1,452,407 3,925 SH SOLE 0 0 1,452,407
TargetCorporation COM 87612E106 1,080,798 8,275 SH SOLE 0 0 1,080,798
TaiwanSemiconductrAdrf SPONSORED ADS 874039100 347,193 727 SH SOLE 0 0 347,193
ABBVIEINC COM 00287Y109 1,469,829 5,841 SH SOLE 0 0 1,469,829
AlphabetIncClassC CAPSTKCLC 02079K107 6,376,547 18,047 SH SOLE 0 0 6,376,547
AlphabetIncClassA CAPSTKCLA 02079K305 3,676,980 10,289 SH SOLE 0 0 3,676,980
AmeripriseFinancialInc COM 03076C106 1,986,890 4,331 SH SOLE 0 0 1,986,890
BroadcomInc COM 11135F101 5,488,708 14,530 SH SOLE 0 0 5,488,708
CboeGlobalMarkets,Inc. COM 12503M108 1,011,934 4,170 SH SOLE 0 0 1,011,934
Conocophillips COM 20825C104 1,232,550 11,856 SH SOLE 0 0 1,232,550
CostcoCompaniesInc COM 22160K105 4,734,881 5,062 SH SOLE 0 0 4,734,881
MetaPlatformsIncClassA CLA 30303M102 1,537,782 2,730 SH SOLE 0 0 1,537,782
GLOBALXFDS USINFRDEVETF 37954Y673 315,517 5,355 SH SOLE 0 0 315,517
ISHARESTR COREHIGHDVETF 46429B663 478,167 17,445 SH SOLE 0 0 478,167
ISHARESTR COREMSCIEAFE 46432F842 5,324,069 55,126 SH SOLE 0 0 5,324,069
ISHARESINC MSCIEMRGCHN 46434G764 7,651,017 74,790 SH SOLE 0 0 7,651,017
ISHARESINC ESGAWRMSCIEM 46434G863 240,527 4,398 SH SOLE 0 0 240,527
ISHARESTR ESGAWRE15YR 46435G243 744,552 29,794 SH SOLE 0 0 744,552
ISHARESTR ESGAWRUSAGRGT 46435U549 2,767,843 58,381 SH SOLE 0 0 2,767,843
ISHARESTR ESGSCRNDS&PSM 46436E544 696,405 13,203 SH SOLE 0 0 696,405
ISHARESTR ESGSCRDS&PMID 46436E551 1,268,340 24,321 SH SOLE 0 0 1,268,340
JPMorganChase&Co COM 46625H100 2,528,952 7,726 SH SOLE 0 0 2,528,952
MASTERCARDINCORPORATED CLA 57636Q104 3,427,766 6,674 SH SOLE 0 0 3,427,766
MckessonCorp. COM 58155Q103 2,392,985 3,167 SH SOLE 0 0 2,392,985
Merck&Co.Inc. COM 58933Y105 2,093,874 16,295 SH SOLE 0 0 2,093,874
MetlifeInc COM 59156R108 1,399,026 16,535 SH SOLE 0 0 1,399,026
NvidiaCorp COM 67066G104 8,535,839 42,660 SH SOLE 0 0 8,535,839
SELECTSECTORSPDRTR SBIHEALTHCARE 81369Y209 551,502 3,476 SH SOLE 0 0 551,502
VANGUARDWORLDFDS INFTECHETF 92204A702 6,414,280 53,667 SH SOLE 0 0 6,414,280
VerizonCommunications COM 92343V104 971,780 22,952 SH SOLE 0 0 971,780
VERTIVHOLDINGSCO COMCLA 92537N108 2,963,157 8,850 SH SOLE 0 0 2,963,157
AccentureLTD SHSCLASSA G1151C101 605,867 4,869 SH SOLE 0 0 605,867