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
ABBOTT LABORATORIES Common Stock 002824100 297,536 3,279 SH SOLE 3,279 0 0
ABBVIE INC Common Stock 00287Y109 556,376 2,211 SH SOLE 2,211 0 0
ALPHABET INC Common Stock 02079K107 1,318,628 3,732 SH SOLE 3,732 0 0
ALPHABET INC Common Stock 02079K305 965,614 2,702 SH SOLE 2,702 0 0
AMAZON COM INC Common Stock 023135106 952,168 3,995 SH SOLE 3,995 0 0
AMGEN INC Common Stock 031162100 220,531 609 SH SOLE 609 0 0
APPLE INC Common Stock 037833100 1,945,946 6,725 SH SOLE 6,725 0 0
APPLIED MATLS INC Common Stock 038222105 434,523 601 SH SOLE 601 0 0
BERKSHIRE HATHAWAY INC DEL Common Stock 084670702 449,350 898 SH SOLE 898 0 0
BROWN & BROWN INC Common Stock 115236101 391,379 6,101 SH SOLE 6,101 0 0
CHEVRON CORPORATION Common Stock 166764100 541,869 3,269 SH SOLE 3,269 0 0
CLOROX CO DEL Common Stock 189054109 732,979 7,680 SH SOLE 7,680 0 0
COCA COLA CO Common Stock 191216100 845,045 10,398 SH SOLE 10,398 0 0
COLGATE PALMOLIVE CO Common Stock 194162103 302,544 3,300 SH SOLE 3,300 0 0
CVS HEALTH CORP Common Stock 126650100 310,350 3,000 SH SOLE 3,000 0 0
EDWARDS LIFESCIENCES CORP Common Stock 28176E108 299,875 3,315 SH SOLE 3,315 0 0
EXXON MOBIL CORP Common Stock 30231G102 1,174,425 8,590 SH SOLE 8,590 0 0
FIDELITY COVINGTON TRUST Exchange Traded Fund 31609A206 7,466,262 154,613 SH SOLE 154,613 0 0
GOLDMAN SACHS ETF TR Exchange Traded Fund 38149W622 37,176 669 SH OTR 669 0 0
GOLDMAN SACHS ETF TR Exchange Traded Fund 38149W622 3,573,985 64,315 SH SOLE 64,315 0 0
HALLIBURTON CO Common Stock 406216101 253,131 7,456 SH SOLE 7,456 0 0
HOME DEPOT INC Common Stock 437076102 293,430 832 SH SOLE 832 0 0
HONEYWELL INTL INC Common Stock 438516106 285,473 1,275 SH SOLE 1,275 0 0
INTERPARFUMS INC Common Stock 458334109 200,006 1,788 SH SOLE 1,788 0 0
INVESCO EXCHANGE TRADED FD TR Exchange Traded Fund 46137V472 6,886 61 SH OTR 61 0 0
INVESCO EXCHANGE TRADED FD TR Exchange Traded Fund 46137V472 6,472,765 57,342 SH SOLE 57,342 0 0
ISHARES TR Exchange Traded Fund 464287200 18,967,137 25,327 SH SOLE 25,327 0 0
ISHARES TR Exchange Traded Fund 464287507 6,276,677 81,399 SH SOLE 81,399 0 0
ISHARES TR Fixed Income ETF 464288646 1,345,784 25,678 SH SOLE 25,678 0 0
JPMORGAN CHASE & CO Common Stock 46625H100 1,016,360 3,105 SH SOLE 3,105 0 0
KINSALE CAP GROUP INC Common Stock 49714P108 352,897 1,070 SH SOLE 1,070 0 0
L3HARRIS TECHNOLOGIES INC Common Stock 502431109 206,900 712 SH SOLE 712 0 0
MASTERCARD INCORPORATED Common Stock 57636Q104 407,798 794 SH SOLE 794 0 0
MCDONALDS CORP Common Stock 580135101 321,939 1,191 SH SOLE 1,191 0 0
META PLATFORMS INC Common Stock 30303M102 487,809 866 SH SOLE 866 0 0
MICROSOFT CORP Common Stock 594918104 1,699,852 4,557 SH SOLE 4,557 0 0
MORGAN STANLEY ETF TRUST Fixed Income ETF 61774R767 12,947 259 SH OTR 259 0 0
MORGAN STANLEY ETF TRUST Fixed Income ETF 61774R767 5,461,557 109,253 SH SOLE 109,253 0 0
NVIDIA CORPORATION Common Stock 67066G104 200,090 1,000 SH SOLE 1,000 0 0
ORACLE CORP Common Stock 68389X105 278,445 1,900 SH SOLE 1,900 0 0
PHILIP MORRIS INTL INC Common Stock 718172109 290,722 1,607 SH SOLE 1,607 0 0
QUANTA SVCS INC Common Stock 74762E102 455,065 632 SH SOLE 632 0 0
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y308 5,055,806 60,862 SH SOLE 60,862 0 0
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y860 5,606,824 127,341 SH SOLE 127,341 0 0
STATE STR SPDR S&P MIDCAP 400 Exchange Traded Fund 78467Y107 316,503 450 SH SOLE 450 0 0
TRANE TECHNOLOGIES PLC Int'l Common Stock G8994E103 265,718 541 SH SOLE 541 0 0
UNION PAC CORP Common Stock 907818108 244,800 900 SH SOLE 900 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102 315,048 758 SH SOLE 758 0 0
VANECK ETF TRUST Exchange Traded Fund 92189F643 7,443,640 71,601 SH SOLE 71,601 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908363 898,347 1,308 SH SOLE 1,308 0 0
VANGUARD INTL EQUITY INDEX FDS International Equity ETF 922042742 8,933,594 56,920 SH SOLE 56,920 0 0
VANGUARD SCOTTSDALE FDS Fixed Income ETF 92206C847 9,822 178 SH OTR 178 0 0
VANGUARD SCOTTSDALE FDS Fixed Income ETF 92206C847 5,526,663 100,157 SH SOLE 100,157 0 0
VANGUARD TAX-MANAGED FDS Exchange Traded Fund 921943858 398,074 5,587 SH SOLE 5,587 0 0
VANGUARD WHITEHALL FDS Exchange Traded Fund 921946406 1,029,091 6,512 SH SOLE 6,512 0 0
VANGUARD WHITEHALL FDS Exchange Traded Fund 921946406 10,114 64 SH OTR 64 0 0
VANGUARD WHITEHALL FDS International Equity ETF 921946794 1,166,027 11,874 SH SOLE 11,874 0 0
VANGUARD WHITEHALL FDS International Equity ETF 921946794 9,918 101 SH OTR 101 0 0
VISA INC Common Stock 92826C839 697,502 2,033 SH SOLE 2,033 0 0
WALMART INC Common Stock 931142103 537,985 4,750 SH SOLE 4,750 0 0
WORLD GOLD TR Exchange Traded Fund 98149E303 2,794,313 35,184 SH SOLE 35,184 0 0
YETI HLDGS INC Common Stock 98585X104 209,044 4,218 SH SOLE 4,218 0 0