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 LABS COM 002824100 1,408,327 14,250 SH SOLE 0 0 14,250
AMAZON COM INC COM 023135106 3,530,953 14,172 SH SOLE 0 0 14,172
AMERICAN WTR WKS CO INC NEW COM 030420103 258,940 2,000 SH SOLE 0 0 2,000
AMGEN INC COM 031162100 1,138,077 2,700 SH SOLE 0 0 2,700
APPLE INC COM 037833100 25,668,622 77,078 SH SOLE 0 0 77,078
BANK AMERICA CORP COM 060505104 302,630 5,560 SH SOLE 0 0 5,560
CVS HEALTH CORP COM 126650100 342,760 4,000 SH SOLE 0 0 4,000
COCA COLA CO COM 191216100 4,404,369 51,166 SH SOLE 0 0 51,166
DANAHER CORPORATION COM 235851102 552,324 2,493 SH SOLE 0 0 2,493
DEERE & CO COM 244199105 338,461 504 SH SOLE 0 0 504
DISNEY WALT CO COM 254687106 412,257 3,930 SH SOLE 0 0 3,930
GENERAL DYNAMICS CORP COM 369550108 583,688 1,759 SH SOLE 0 0 1,759
GE AEROSPACE COM NEW 369604301 933,747 2,990 SH SOLE 0 0 2,990
GENERAL MLS INC COM 370334104 459,598 14,291 SH SOLE 0 0 14,291
GILEAD SCIENCES INC COM 375558103 777,891 5,219 SH SOLE 0 0 5,219
GRAINGER W W INC COM 384802104 747,456 600 SH SOLE 0 0 600
INTERNATIONAL BUSINESS MACHS COM 459200101 3,943,124 17,929 SH SOLE 0 0 17,929
ISHARES TR S&P 100 ETF 464287101 3,415,795 8,940 SH SOLE 0 0 8,940
ISHARES TR SELECT DIVID ETF 464287168 4,520,007 29,723 SH SOLE 0 0 29,723
ISHARES TR CORE S&P500 ETF 464287200 132,160,960 172,567 SH SOLE 0 0 172,567
ISHARES TR S&P 500 GRWT ETF 464287309 6,638,322 46,663 SH SOLE 0 0 46,663
ISHARES TR S&P 500 VAL ETF 464287408 3,239,064 14,189 SH SOLE 0 0 14,189
ISHARES TR MSCI EAFE ETF 464287465 275,308 2,650 SH SOLE 0 0 2,650
ISHARES TR RUS MD CP GR ETF 464287481 503,633 3,658 SH SOLE 0 0 3,658
ISHARES TR RUS MID CAP ETF 464287499 2,430,618 22,777 SH SOLE 0 0 22,777
ISHARES TR CORE S&P MCP ETF 464287507 2,271,541 31,571 SH SOLE 0 0 31,571
ISHARES TR RUS 1000 GRW ETF 464287614 843,114 6,730 SH SOLE 0 0 6,730
ISHARES TR RUS 1000 ETF 464287622 5,338,947 12,830 SH SOLE 0 0 12,830
ISHARES TR RUS 2000 VAL ETF 464287630 598,189 2,856 SH SOLE 0 0 2,856
ISHARES TR RUSSELL 2000 ETF 464287655 666,380 2,398 SH SOLE 0 0 2,398
ISHARES TR CORE S&P US GWT 464287671 2,141,712 11,054 SH SOLE 0 0 11,054
ISHARES TR CORE S&P SCP ETF 464287804 2,698,699 19,837 SH SOLE 0 0 19,837
JOHNSON & JOHNSON COM 478160104 5,831,163 22,026 SH SOLE 0 0 22,026
LOWES COS INC COM 548661107 999,773 5,425 SH SOLE 0 0 5,425
MICROSOFT CORP COM 594918104 24,902,833 48,553 SH SOLE 0 0 48,553
NIKE INC CL B 654106103 461,474 13,036 SH SOLE 0 0 13,036
NORFOLK SOUTHN CORP COM 655844108 1,188,723 3,847 SH SOLE 0 0 3,847
PALO ALTO NETWORKS INC COM 697435105 7,250,907 18,250 SH SOLE 0 0 18,250
PEPSICO INC COM 713448108 2,962,333 23,377 SH SOLE 0 0 23,377
PFIZER INC COM 717081103 1,123,431 39,391 SH SOLE 0 0 39,391
PROCTER AND GAMBLE CO COM 742718109 3,161,292 21,760 SH SOLE 0 0 21,760
PROGRESSIVE CORP COM 743315103 13,715,629 66,160 SH SOLE 0 0 66,160
STARBUCKS CORP COM 855244109 1,462,863 15,569 SH SOLE 0 0 15,569
STRYKER CORPORATION COM 863667101 2,676,240 9,718 SH SOLE 0 0 9,718
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,425,239 14,681 SH SOLE 0 0 14,681
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 960,643 13,604 SH SOLE 0 0 13,604
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 459,911 7,754 SH SOLE 0 0 7,754
VANGUARD INDEX FDS GROWTH ETF 922908736 356,655 3,958 SH SOLE 0 0 3,958
VANGUARD INDEX FDS VALUE ETF 922908744 284,361 1,316 SH SOLE 0 0 1,316
VANGUARD INDEX FDS TOTAL STK MKT 922908769 336,816 900 SH SOLE 0 0 900
ALPHABET INC CAP STK CL C 02079K107 5,645,721 16,569 SH SOLE 0 0 16,569
ALPHABET INC CAP STK CL A 02079K305 7,427,999 21,588 SH SOLE 0 0 21,588
AMERICAN TOWER CORP NEW COM 03027X100 2,025,336 12,373 SH SOLE 0 0 12,373
BLACKSTONE INC COM 09260D107 2,151,007 19,190 SH SOLE 0 0 19,190
CISCO SYS INC COM 17275R102 2,250,005 20,905 SH SOLE 0 0 20,905
COSTCO WHSL CORP NEW COM 22160K105 1,820,680 2,000 SH SOLE 0 0 2,000
EXXON MOBIL CORP COM 30233Q108 3,089,005 18,980 SH SOLE 0 0 18,980
FEDEX CORP COM 31428X106 1,061,960 3,725 SH SOLE 0 0 3,725
GE VERNOVA INC COM 36828A101 661,541 696 SH SOLE 0 0 696
ISHARES TR MSCI USA MMENTM 46432F396 336,380 1,060 SH SOLE 0 0 1,060
ISHARES TR CORE MSCI EAFE 46432F842 22,150,319 228,636 SH SOLE 0 0 228,636
ISHARES INC CORE MSCI EMKT 46434G103 23,878,156 294,210 SH SOLE 0 0 294,210
JPMORGAN CHASE & CO. COM 46625H100 2,023,356 6,116 SH SOLE 0 0 6,116
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 12,365,934 219,956 SH SOLE 0 0 219,956
MERCK & CO INC COM 58933Y105 940,155 6,470 SH SOLE 0 0 6,470
NOVARTIS AG SPONSORED ADR 66987V109 1,011,106 7,092 SH SOLE 0 0 7,092
NVIDIA CORPORATION COM 67066G104 2,513,778 11,007 SH SOLE 0 0 11,007
ORACLE CORP COM 68389X105 233,410 1,700 SH SOLE 0 0 1,700
SPDR S&P 500 ETF TR TR UNIT 78462F103 462,916 607 SH SOLE 0 0 607
SPDR SERIES TRUST STATE STREET SPD 78464A607 9,022,618 85,995 SH SOLE 0 0 85,995
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 2,908,397 5,719 SH SOLE 0 0 5,719
SALESFORCE INC COM 79466L302 1,219,475 5,312 SH SOLE 0 0 5,312
3M CO COM 88579Y101 833,389 5,077 SH SOLE 0 0 5,077
VISA INC COM CL A 92826C839 827,177 2,302 SH SOLE 0 0 2,302
WISDOMTREE TR US LARGECAP DIVD 97717W307 1,419,314 14,602 SH SOLE 0 0 14,602
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 584,950 3,190 SH SOLE 0 0 3,190
EATON CORP PLC SHS G29183103 6,238,959 14,519 SH SOLE 0 0 14,519
MEDTRONIC PLC SHS G5960L103 1,231,272 14,269 SH SOLE 0 0 14,269
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 410,310 824 SH SOLE 0 0 824
CHEVRON CORPORATION COM 166764100 278,338 1,363 SH SOLE 0 0 1,363
ABBVIE INC COM 00287Y109 234,123 895 SH SOLE 0 0 895