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 296,490 3,000 SH SOLE 3,000 0 0
ABBVIE INC Common Stock 00287Y109 578,375 2,211 SH SOLE 2,211 0 0
ALPHABET INC Common Stock 02079K107 1,155,790 3,392 SH SOLE 3,392 0 0
ALPHABET INC Common Stock 02079K305 800,674 2,327 SH SOLE 2,327 0 0
AMAZON COM INC Common Stock 023135106 1,017,529 4,084 SH SOLE 4,084 0 0
AMGEN INC Common Stock 031162100 229,301 544 SH SOLE 544 0 0
APPLE INC Common Stock 037833100 2,235,896 6,714 SH SOLE 6,714 0 0
APPLIED MATLS INC Common Stock 038222105 307,339 601 SH SOLE 601 0 0
BERKSHIRE HATHAWAY INC DEL Common Stock 084670702 447,159 898 SH SOLE 898 0 0
BLACKROCK INC Common Stock 09290D101 223,299 211 SH SOLE 211 0 0
BROWN & BROWN INC Common Stock 115236101 401,027 6,585 SH SOLE 6,585 0 0
CHEVRON CORPORATION Common Stock 166764100 655,514 3,210 SH SOLE 3,210 0 0
CLOROX CO DEL Common Stock 189054109 622,157 7,680 SH SOLE 7,680 0 0
COCA COLA CO Common Stock 191216100 821,289 9,541 SH SOLE 9,541 0 0
COLGATE PALMOLIVE CO Common Stock 194162103 217,054 2,544 SH SOLE 2,544 0 0
CVS HEALTH CORP Common Stock 126650100 257,070 3,000 SH SOLE 3,000 0 0
EDWARDS LIFESCIENCES CORP Common Stock 28176E108 259,823 3,010 SH SOLE 3,010 0 0
EXXONMOBIL HOLDINGS CORP Common Stock 30233Q108 1,307,859 8,036 SH SOLE 8,036 0 0
FIDELITY COVINGTON TRUST Exchange Traded Fund 31609A206 6,722,273 149,550 SH SOLE 149,550 0 0
GOLDMAN SACHS ETF TR Exchange Traded Fund 38149W622 3,961,250 70,952 SH SOLE 70,952 0 0
GOLDMAN SACHS ETF TR Exchange Traded Fund 38149W622 35,899 643 SH OTR 643 0 0
HALLIBURTON CO Common Stock 406216101 237,101 7,456 SH SOLE 7,456 0 0
INVESCO EXCHANGE TRADED FD TR Exchange Traded Fund 46137V472 6,364 57 SH OTR 57 0 0
INVESCO EXCHANGE TRADED FD TR Exchange Traded Fund 46137V472 6,572,612 58,868 SH SOLE 58,868 0 0
ISHARES TR Exchange Traded Fund 464287200 19,772,715 25,818 SH SOLE 25,818 0 0
ISHARES TR Exchange Traded Fund 464287507 5,848,816 81,290 SH SOLE 81,290 0 0
ISHARES TR Fixed Income ETF 464288646 1,351,806 26,387 SH SOLE 26,387 0 0
JPMORGAN CHASE & CO Common Stock 46625H100 1,014,986 3,068 SH SOLE 3,068 0 0
KINSALE CAP GROUP INC Common Stock 49714P108 371,163 1,150 SH SOLE 1,150 0 0
MASTERCARD INCORPORATED Common Stock 57636Q104 445,588 808 SH SOLE 808 0 0
MCDONALDS CORP Common Stock 580135101 238,792 1,034 SH SOLE 1,034 0 0
META PLATFORMS INC Common Stock 30303M102 613,502 846 SH SOLE 846 0 0
MICROSOFT CORP Common Stock 594918104 2,393,191 4,666 SH SOLE 4,666 0 0
MORGAN STANLEY ETF TRUST Fixed Income ETF 61774R767 5,405,547 112,733 SH SOLE 112,733 0 0
MORGAN STANLEY ETF TRUST Fixed Income ETF 61774R767 12,467 260 SH OTR 260 0 0
NVIDIA CORPORATION Common Stock 67066G104 228,380 1,000 SH SOLE 1,000 0 0
ORACLE CORP Common Stock 68389X105 260,870 1,900 SH SOLE 1,900 0 0
PHILIP MORRIS INTL INC Common Stock 718172109 296,153 1,552 SH SOLE 1,552 0 0
QUANTA SVCS INC Common Stock 74762E102 390,004 607 SH SOLE 607 0 0
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y308 4,988,092 61,887 SH SOLE 61,887 0 0
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y860 5,234,189 127,944 SH SOLE 127,944 0 0
STATE STR SPDR S&P MIDCAP 400 Exchange Traded Fund 78467Y107 295,520 450 SH SOLE 450 0 0
TRANE TECHNOLOGIES PLC Int'l Common Stock G8994E103 244,521 541 SH SOLE 541 0 0
UNION PAC CORP Common Stock 907818108 244,917 900 SH SOLE 900 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102 261,361 712 SH SOLE 712 0 0
VANECK ETF TRUST Exchange Traded Fund 92189F643 7,798,861 73,776 SH SOLE 73,776 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908363 880,981 1,257 SH SOLE 1,257 0 0
VANGUARD INTL EQUITY INDEX FDS International Equity ETF 922042742 9,038,965 57,263 SH SOLE 57,263 0 0
VANGUARD SCOTTSDALE FDS Fixed Income ETF 92206C847 9,075 181 SH OTR 181 0 0
VANGUARD SCOTTSDALE FDS Fixed Income ETF 92206C847 5,288,717 105,479 SH SOLE 105,479 0 0
VANGUARD TAX-MANAGED FDS Exchange Traded Fund 921943858 380,376 5,387 SH SOLE 5,387 0 0
VANGUARD WHITEHALL FDS Exchange Traded Fund 921946406 9,467 61 SH OTR 61 0 0
VANGUARD WHITEHALL FDS Exchange Traded Fund 921946406 1,166,794 7,518 SH SOLE 7,518 0 0
VANGUARD WHITEHALL FDS International Equity ETF 921946794 1,352,108 13,370 SH SOLE 13,370 0 0
VANGUARD WHITEHALL FDS International Equity ETF 921946794 9,708 96 SH OTR 96 0 0
VISA INC Common Stock 92826C839 729,081 2,029 SH SOLE 2,029 0 0
WALMART INC Common Stock 931142103 493,620 4,750 SH SOLE 4,750 0 0
WORLD GOLD TR Exchange Traded Fund 98149E303 3,050,850 37,124 SH SOLE 37,124 0 0