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
ABBVIE INC COM 00287Y109 708,647 2,709 SH SOLE 0 0 2,709
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 275,055 1,500 SH SOLE 0 0 1,500
ALPHABET INC CAP STK CL A 02079K305 1,679,110 4,880 SH SOLE 0 0 4,880
ALPHABET INC CAP STK CL C 02079K107 4,972,078 14,592 SH SOLE 200 0 14,392
ALTRIA GROUP INC COM 02209S103 6,220,128 92,369 SH SOLE 1,080 0 91,289
AMAZON COM INC COM 023135106 8,543,354 34,290 SH SOLE 320 0 33,970
AMERICAN EXPRESS CO COM 025816109 729,840 2,400 SH SOLE 0 0 2,400
AMERIPRISE FINL INC COM 03076C106 284,086 577 SH SOLE 0 0 577
APPLE INC COM 037833100 12,226,163 36,713 SH SOLE 1,364 0 35,349
ARES CAPITAL CORP COM 04010L103 255,749 13,390 SH SOLE 0 0 13,390
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 779,292 1,565 SH SOLE 0 0 1,565
BOSTON SCIENTIFIC CORP COM 101137107 330,649 7,575 SH SOLE 0 0 7,575
CATERPILLAR INC COM 149123101 948,624 1,170 SH SOLE 0 0 1,170
CENCORA INC COM 03073E105 276,230 920 SH SOLE 0 0 920
CHEVRON CORPORATION COM 166764100 799,482 3,915 SH SOLE 0 0 3,915
CHUBB LIMITED COM H1467J104 292,725 900 SH SOLE 0 0 900
CISCO SYS INC COM 17275R102 517,270 4,806 SH SOLE 4,806 0 0
CITIGROUP INC COM NEW 172967424 212,606 1,642 SH SOLE 0 0 1,642
COCA COLA CO COM 191216100 241,196 2,802 SH SOLE 0 0 2,802
COSTCO WHOLESALE CORPORATION COM 22160K105 682,755 750 SH SOLE 0 0 750
EATON CORP PLC SHS G29183103 966,848 2,250 SH SOLE 0 0 2,250
ECOLAB INC COM 278865100 411,870 1,500 SH SOLE 0 0 1,500
EOG RES INC COM 26875P101 302,521 2,196 SH SOLE 0 0 2,196
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 245,590 1,509 SH SOLE 0 0 1,509
GENERAL DYNAMICS CORP COM 369550108 219,008 660 SH SOLE 0 0 660
GOLDMAN SACHS GROUP INC COM 38141G104 2,006,902 2,229 SH SOLE 1,038 0 1,191
HOME DEPOT INC COM 437076102 622,749 2,189 SH SOLE 0 0 2,189
INTEL CORP COM 458140100 261,019 2,171 SH SOLE 0 0 2,171
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 349,767 10,822 SH SOLE 0 0 10,822
ISHARES TR 1 3 YR TREAS BD 464287457 3,590,826 44,222 SH SOLE 11,831 0 32,391
ISHARES TR 3 7 YR TREAS BD 464288661 2,186,102 19,271 SH SOLE 4,376 0 14,895
ISHARES TR CORE S&P MCP ETF 464287507 3,903,719 54,256 SH SOLE 14,980 0 39,276
ISHARES TR CORE S&P SCP ETF 464287804 2,522,318 18,541 SH SOLE 283 0 18,258
ISHARES TR CORE US AGGBD ET 464287226 3,787,048 40,057 SH SOLE 6,083 0 33,974
ISHARES TR IBOXX HI YD ETF 464288513 356,401 4,616 SH SOLE 2,038 0 2,578
ISHARES TR MSCI EAFE ETF 464287465 11,610,850 111,761 SH SOLE 12,761 0 99,000
ISHARES TR MSCI EMG MKT ETF 464287234 622,550 9,321 SH SOLE 2,686 0 6,635
ISHARES TR NATIONAL MUN ETF 464288414 5,923,550 58,591 SH SOLE 13,994 0 44,597
ISHARES TR RUSSELL 2000 ETF 464287655 5,539,181 19,933 SH SOLE 5,411 0 14,522
ISHARES TR SHRT NAT MUN ETF 464288158 6,985,886 66,825 SH SOLE 15,557 0 51,268
ISHARES TR US HLTHCARE ETF 464287762 2,050,051 28,648 SH SOLE 6,650 0 21,998
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 235,329 4,672 SH SOLE 4,672 0 0
JOHNSON & JOHNSON COM 478160104 625,581 2,363 SH SOLE 0 0 2,363
JPMORGAN CHASE & CO COM 46625H100 1,620,405 4,898 SH SOLE 364 0 4,534
LOCKHEED MARTIN CORP COM 539830109 288,745 567 SH SOLE 0 0 567
MASTERCARD INCORPORATED CL A 57636Q104 2,221,873 4,029 SH SOLE 136 0 3,893
MCDONALDS CORP COM 580135101 244,565 1,059 SH SOLE 0 0 1,059
MERCK & CO INC COM 58933Y105 294,979 2,030 SH SOLE 0 0 2,030
META PLATFORMS INC CL A 30303M102 4,316,271 5,952 SH SOLE 0 0 5,952
MICROSOFT CORP COM 594918104 3,873,934 7,553 SH SOLE 208 0 7,345
NXP SEMICONDUCTORS N V COM N6596X109 498,813 2,100 SH SOLE 0 0 2,100
PEPSICO INC COM 713448108 281,318 2,220 SH SOLE 0 0 2,220
PROCTER & GAMBLE CO COM 742718109 261,504 1,800 SH SOLE 0 0 1,800
RTX CORPORATION COM 75513E101 334,170 1,800 SH SOLE 0 0 1,800
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 245,426 4,596 SH SOLE 0 0 4,596
SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308 255,421 3,169 SH SOLE 0 0 3,169
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 5,827,478 29,770 SH SOLE 7,950 0 21,820
SPDR GOLD TR GOLD SHS 78463V107 2,906,190 7,631 SH SOLE 1,240 0 6,391
SPDR SERIES TRUST ST NUVE TERM ETF 78468R739 4,669,618 100,099 SH SOLE 41,111 0 58,988
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 62,139,092 81,480 SH SOLE 28,132 0 53,348
STRYKER CORPORATION COM 863667101 519,936 1,888 SH SOLE 568 0 1,320
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 353,547 775 SH SOLE 0 0 775
TJX COS INC NEW COM 872540109 222,281 1,680 SH SOLE 0 0 1,680
UNILEVER PLC SPON ADR NEW 904767803 1,186,603 19,539 SH SOLE 0 0 19,539
US BANCORP COM NEW 902973304 201,294 3,485 SH SOLE 1,620 0 1,865
VALERO ENERGY CORP COM 91913Y100 795,763 2,053 SH SOLE 0 0 2,053
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,213,435 28,971 SH SOLE 6,618 0 22,353
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 705,078 10,051 SH SOLE 143 0 9,908
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,804,861 7,792 SH SOLE 377 0 7,415
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 1,920,678 21,314 SH SOLE 4,118 0 17,196
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 5,372,603 24,863 SH SOLE 4,316 0 20,547
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 492,238 8,299 SH SOLE 2,051 0 6,248
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 527,693 3,343 SH SOLE 0 0 3,343
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 604,005 7,713 SH SOLE 4,163 0 3,550
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,170,648 28,099 SH SOLE 8,523 0 19,576
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,502,042 6,437 SH SOLE 1,203 0 5,234
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,546,894 36,069 SH SOLE 36,069 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 468,198 3,016 SH SOLE 195 0 2,821
WALMART INC COM 931142103 634,120 6,102 SH SOLE 864 0 5,238
WW GRAINGER INC COM 384802104 439,753 353 SH SOLE 0 0 353