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
3M CO COM 88579Y101 667,106 4,064 SH SOLE 4,064 0 0
ABBOTT LABORATORIES COM 002824100 2,774,949 28,078 SH SOLE 28,078 0 0
ABBVIE INC COM 00287Y109 8,436,021 32,249 SH SOLE 32,249 0 0
ADVANCED MICRO DEVICES INC COM 007903107 367,056 600 SH SOLE 600 0 0
ALPHABET INC CAP STK CL A 02079K305 6,850,977 19,911 SH SOLE 19,911 0 0
ALPHABET INC CAP STK CL C 02079K107 5,726,817 16,807 SH SOLE 16,807 0 0
ALTRIA GROUP INC COM 02209S103 2,560,199 38,019 SH SOLE 38,019 0 0
AMAZON COM INC COM 023135106 3,418,089 13,719 SH SOLE 13,719 0 0
AMERICAN ELEC PWR CO INC COM 025537101 495,441 4,176 SH SOLE 4,176 0 0
AMGEN INC COM 031162100 3,213,244 7,623 SH SOLE 7,623 0 0
APPLE INC COM 037833100 18,793,984 56,435 SH SOLE 56,435 0 0
ARCHER DANIELS MIDLAND CO COM 039483102 360,923 4,547 SH SOLE 4,547 0 0
AT&T INC COM 00206R102 632,434 25,919 SH SOLE 25,919 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 406,703 1,576 SH SOLE 1,576 0 0
BANK OF AMER CORP COM 060505104 658,276 12,094 SH SOLE 12,094 0 0
BEONE MEDICINES LTD SPONSORED ADS 07725L102 1,097,820 3,000 SH SOLE 3,000 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,086,908 4,191 SH SOLE 4,191 0 0
BIOGEN INC COM 09062X103 722,816 3,200 SH SOLE 3,200 0 0
BLACKSTONE INC COM 09260D107 286,054 2,552 SH SOLE 2,552 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 261,955 4,198 SH SOLE 4,198 0 0
BROADCOM INC COM 11135F101 7,643,299 21,764 SH SOLE 21,764 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 237,270 4,325 SH SOLE 4,325 0 0
CATERPILLAR INC COM 149123101 4,202,325 5,183 SH SOLE 5,183 0 0
CEMEX SAB DE CV SPON ADR NEW 151290889 104,325 10,970 SH SOLE 10,970 0 0
CHENIERE ENERGY PARTNERS L P COM UNIT 16411Q101 243,440 4,000 SH SOLE 4,000 0 0
CHEVRON CORPORATION COM 166764100 4,133,415 20,241 SH SOLE 20,241 0 0
CINTAS CORP COM 172908105 234,072 1,200 SH SOLE 1,200 0 0
CISCO SYS INC COM 17275R102 1,174,596 10,913 SH SOLE 10,913 0 0
COCA COLA CO COM 191216100 398,120 4,625 SH SOLE 4,625 0 0
COLGATE PALMOLIVE CO COM 194162103 697,576 8,176 SH SOLE 8,176 0 0
COLUMBIA SPORTSWEAR CO COM 198516106 459,280 8,000 SH SOLE 8,000 0 0
CONOCOPHILLIPS COM 20825C104 1,037,494 8,290 SH SOLE 8,290 0 0
CONSOLIDATED EDISON INC COM 209115104 449,724 4,400 SH SOLE 4,400 0 0
CORNING INC COM 219350105 230,640 1,500 SH SOLE 1,500 0 0
CORPAY INC COM SHS 219948106 1,554,400 4,000 SH SOLE 4,000 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 983,167 1,080 SH SOLE 1,080 0 0
CSX CORP COM 126408103 839,971 18,060 SH SOLE 18,060 0 0
CVS HEALTH CORP COM 126650100 523,590 6,110 SH SOLE 6,110 0 0
DEERE & CO COM 244199105 4,119,959 6,135 SH SOLE 6,135 0 0
DISNEY WALT CO COM 254687106 538,766 5,136 SH SOLE 5,136 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 383,986 3,368 SH SOLE 3,368 0 0
ELI LILLY & CO COM 532457108 2,119,611 1,832 SH SOLE 1,832 0 0
EMERSON ELEC CO COM 291011104 1,288,416 8,307 SH SOLE 8,307 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 2,333,096 65,518 SH SOLE 65,518 0 0
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 20,309,409 124,789 SH SOLE 124,789 0 0
FIFTH THIRD BANCORP COM 316773100 273,941 5,416 SH SOLE 5,416 0 0
GE AEROSPACE COM NEW 369604301 651,437 2,086 SH SOLE 2,086 0 0
GE VERNOVA INC COM 36828A101 203,405 214 SH SOLE 214 0 0
GILEAD SCIENCES INC COM 375558103 223,575 1,500 SH SOLE 1,500 0 0
GLOBAL X FDS GLBL X MLP ETF 37954Y343 1,385,358 26,021 SH SOLE 26,021 0 0
HOME DEPOT INC COM 437076102 1,141,943 4,014 SH SOLE 4,014 0 0
HONEYWELL AEROSPACE INC COM 43849R105 281,580 1,817 SH SOLE 1,817 0 0
HONEYWELL INTL INC COM 438516205 383,278 1,817 SH SOLE 1,817 0 0
HUBBELL INC COM 443510607 2,585,520 5,700 SH SOLE 5,700 0 0
INTEL CORP COM 458140100 1,132,326 9,418 SH SOLE 9,418 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 764,697 3,477 SH SOLE 3,477 0 0
INVESCO CURRENCYSHARES CDN D CDN DLR SHS 46138T104 343,300 5,000 SH SOLE 5,000 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 1,044,430 103,717 SH SOLE 103,717 0 0
INVESCO EXCH TRADED FD TR II RAFI DVLPD MRKTS 46138E735 254,745 5,550 SH SOLE 5,550 0 0
INVESCO EXCH TRADED FD TR II RAFI DVLPD MRKTS 46138E743 15,819,173 207,519 SH SOLE 207,519 0 0
INVESCO EXCH TRADED FD TR II RAFI EMRGNG MRKT 46138E727 858,049 29,517 SH SOLE 29,517 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 3,003,945 147,036 SH SOLE 147,036 0 0
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 31,407,144 577,019 SH SOLE 577,019 0 0
INVESCO EXCHANGE TRADED FD T RAFI US 1500 46137V597 2,578,822 49,280 SH SOLE 49,280 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 3,805,377 5,144 SH SOLE 5,144 0 0
ISHARES INC CORE MSCI EMKT 46434G103 2,658,639 32,758 SH SOLE 32,758 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 2,583,622 31,818 SH SOLE 31,818 0 0
ISHARES TR 10-20 YR TRS ETF 464288653 2,902,249 31,488 SH SOLE 31,488 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 285,755 2,519 SH SOLE 2,519 0 0
ISHARES TR BROAD USD HIGH 46435U853 4,467,929 125,082 SH SOLE 125,082 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 553,328 19,790 SH SOLE 19,790 0 0
ISHARES TR CORE INTL AGGR 46435G672 833,300 16,937 SH SOLE 16,937 0 0
ISHARES TR CORE MSCI EAFE 46432F842 4,866,573 50,233 SH SOLE 50,233 0 0
ISHARES TR CORE S&P MCP ETF 464287507 329,675 4,582 SH SOLE 4,582 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,226,809 9,018 SH SOLE 9,018 0 0
ISHARES TR CORE S&P TTL STK 464287150 249,420 1,500 SH SOLE 1,500 0 0
ISHARES TR CORE S&P US GWT 464287671 45,407,831 234,363 SH SOLE 234,363 0 0
ISHARES TR CORE S&P500 ETF 464287200 25,206,421 32,913 SH SOLE 32,913 0 0
ISHARES TR CORE US AGGBD ET 464287226 69,544,853 735,613 SH SOLE 735,613 0 0
ISHARES TR CRE U S REIT ETF 464288521 22,526,333 365,806 SH SOLE 365,806 0 0
ISHARES TR EAFE SML CP ETF 464288273 9,575,001 113,421 SH SOLE 113,421 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 6,241,285 123,958 SH SOLE 123,958 0 0
ISHARES TR MSCI EAFE ETF 464287465 737,827 7,102 SH SOLE 7,102 0 0
ISHARES TR NATIONAL MUN ETF 464288414 40,397,942 399,584 SH SOLE 399,584 0 0
ISHARES TR PFD AND INCM SEC 464288687 4,141,977 140,406 SH SOLE 140,406 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 412,356 3,292 SH SOLE 3,292 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 247,682 999 SH SOLE 999 0 0
ISHARES TR RUS MID CAP ETF 464287499 549,450 5,149 SH SOLE 5,149 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 501,591 1,805 SH SOLE 1,805 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 300,880 2,115 SH SOLE 2,115 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 4,221,639 40,383 SH SOLE 40,383 0 0
ISHARES TR TIPS BD ETF 464287176 6,459,011 62,082 SH SOLE 62,082 0 0
JOHNSON & JOHNSON COM 478160104 4,242,459 16,025 SH SOLE 16,025 0 0
JPMORGAN CHASE & CO COM 46625H100 11,229,452 33,943 SH SOLE 33,943 0 0
KAISER ALUMINIUM CORPORATION COM PAR $0.01 483007704 231,712 1,600 SH SOLE 1,600 0 0
KRAFT HEINZ CO COM 500754106 206,593 9,093 SH SOLE 9,093 0 0
MASTERCARD INCORPORATED CL A 57636Q104 2,576,468 4,672 SH SOLE 4,672 0 0
MCDONALDS CORP COM 580135101 2,262,057 9,795 SH SOLE 9,795 0 0
MCKESSON CORP COM 58155Q103 508,017 595 SH SOLE 595 0 0
MERCK & CO INC COM 58933Y105 1,252,798 8,622 SH SOLE 8,622 0 0
META PLATFORMS INC CL A 30303M102 1,110,251 1,531 SH SOLE 1,531 0 0
MICROSOFT CORP COM 594918104 17,944,094 34,986 SH SOLE 34,986 0 0
MONDELEZ INTL INC CL A 609207105 1,461,979 25,285 SH SOLE 25,285 0 0
MORGAN STANLEY COM NEW 617446448 1,243,397 6,611 SH SOLE 6,611 0 0
NETFLIX INC. COM 64110L106 201,782 2,900 SH SOLE 2,900 0 0
NEXTERA ENERGY INC COM 65339F101 773,684 10,215 SH SOLE 10,215 0 0
NRG ENERGY INC COM NEW 629377508 264,475 2,765 SH SOLE 2,765 0 0
NVIDIA CORPORATION COM 67066G104 31,012,405 135,793 SH SOLE 135,793 0 0
ONEOK INC NEW COM 30609A109 2,961,768 34,734 SH SOLE 34,734 0 0
ORACLE CORP COM 68389X105 243,666 1,775 SH SOLE 1,775 0 0
PACKAGING CORP AMER COM 695156109 1,889,790 8,243 SH SOLE 8,243 0 0
PARKER-HANNIFIN CORP COM 701094104 1,536,315 1,608 SH SOLE 1,608 0 0
PEPSICO INC COM 713448108 1,213,851 9,579 SH SOLE 9,579 0 0
PFIZER INC COM 717081103 494,098 17,325 SH SOLE 17,325 0 0
PHILIP MORRIS INTL INC COM 718172109 4,426,833 23,199 SH SOLE 23,199 0 0
PHILLIPS 66 COM 718546104 338,390 1,325 SH SOLE 1,325 0 0
PROCTER & GAMBLE CO COM 742718109 1,137,833 7,832 SH SOLE 7,832 0 0
QUALCOMM INC COM 747525103 1,115,098 6,059 SH SOLE 6,059 0 0
RESMED INC COM 761152107 351,549 1,590 SH SOLE 1,590 0 0
ROCKET ONE INC COM NEW 44148G204 7,142 10,000 SH SOLE 10,000 0 0
RTX CORPORATION COM 75513E101 1,172,380 6,315 SH SOLE 6,315 0 0
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 459,083 19,049 SH SOLE 19,049 0 0
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 7,876,608 367,379 SH SOLE 367,379 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 61,341,268 1,682,888 SH SOLE 1,682,888 0 0
SCHWAB STRATEGIC TR FUND EM EQUI ETF 808524730 9,611,091 229,546 SH SOLE 229,546 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 45,914,701 854,227 SH SOLE 854,227 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 3,348,843 67,205 SH SOLE 67,205 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 112,481,533 3,574,246 SH SOLE 3,574,246 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 9,833,565 280,959 SH SOLE 280,959 0 0
SCHWAB STRATEGIC TR HIGH YIEL BD ETF 808524631 11,981,933 474,720 SH SOLE 474,720 0 0
SCHWAB STRATEGIC TR INTERNL DIVID 808524672 8,892,449 283,199 SH SOLE 283,199 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 106,664,577 3,882,948 SH SOLE 3,882,948 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 30,969,069 622,619 SH SOLE 622,619 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 2,237,920 94,427 SH SOLE 94,427 0 0
SCHWAB STRATEGIC TR LONG TERM US 808524680 314,170 11,039 SH SOLE 11,039 0 0
SCHWAB STRATEGIC TR MUN BD ETF 808524649 6,153,431 254,695 SH SOLE 254,695 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 25,847,371 1,083,293 SH SOLE 1,083,293 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 85,287,723 3,859,173 SH SOLE 3,859,173 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 15,184,397 466,781 SH SOLE 466,781 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 84,140,982 2,341,803 SH SOLE 2,341,803 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 107,793,412 3,593,114 SH SOLE 3,593,114 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 293,397 8,624 SH SOLE 8,624 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 32,707,911 1,484,025 SH SOLE 1,484,025 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 30,635,435 938,873 SH SOLE 938,873 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 5,634,322 224,207 SH SOLE 224,207 0 0
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 1,133,179 5,789 SH SOLE 5,789 0 0
SHELL PLC SPON ADS 780259305 299,217 3,148 SH SOLE 3,148 0 0
SOUTHERN CO COM 842587107 284,064 3,427 SH SOLE 3,427 0 0
SPDR GOLD TR GOLD SHS 78463V107 1,749,960 4,595 SH SOLE 4,595 0 0
SPDR SERIES TRUST ST NUVE TERM ETF 78468R739 2,345,935 50,288 SH SOLE 50,288 0 0
SPDR SERIES TRUST ST STR SP DIV 78464A763 3,888,312 26,545 SH SOLE 26,545 0 0
SPDR SERIES TRUST ST STR TIPS ETF 78464A656 2,896,911 118,872 SH SOLE 118,872 0 0
STARBUCKS CORP COM 855244109 1,226,930 13,058 SH SOLE 13,058 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 3,401,091 4,460 SH SOLE 4,460 0 0
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 292,893 446 SH SOLE 446 0 0
SYSCO CORP COM 871829107 327,432 4,200 SH SOLE 4,200 0 0
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 2,853,925 6,256 SH SOLE 6,256 0 0
TESLA INC COM 88160R101 532,215 1,500 SH SOLE 1,500 0 0
THOMSON REUTERS CORP COM 884903881 643,935 6,616 SH SOLE 6,616 0 0
TJX COS INC NEW COM 872540109 324,689 2,454 SH SOLE 2,454 0 0
TRAVELERS COMPANIES INC COM 89417E109 468,098 1,313 SH SOLE 1,313 0 0
VALERO ENERGY CORP COM 91913Y100 426,371 1,100 SH SOLE 1,100 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 517,650 850 SH SOLE 850 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 113,252,545 1,614,434 SH SOLE 1,614,434 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 305,171 6,511 SH SOLE 6,511 0 0
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 227,091 2,520 SH SOLE 2,520 0 0
VANGUARD INDEX FDS MRNGSTR LRG CAP 922908637 3,074,817 8,739 SH SOLE 8,739 0 0
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 4,149,673 52,916 SH SOLE 52,916 0 0
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 21,121,724 74,244 SH SOLE 74,244 0 0
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 1,061,997 2,838 SH SOLE 2,838 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 540,184 6,027 SH SOLE 6,027 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 110,798,957 158,090 SH SOLE 158,090 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 703,586 8,480 SH SOLE 8,480 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 15,864,357 267,482 SH SOLE 267,482 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 213,702 2,462 SH SOLE 2,462 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 815,113 17,211 SH SOLE 17,211 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 20,216,569 351,226 SH SOLE 351,226 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 321,655 1,379 SH SOLE 1,379 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 582,875 6,861 SH SOLE 6,861 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 71,291,881 1,009,657 SH SOLE 1,009,657 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 304,481 3,011 SH SOLE 3,011 0 0
VANGUARD WORLD FD ENERGY ETF 92204A306 216,405 1,257 SH SOLE 1,257 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 262,544 2,089 SH SOLE 2,089 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 803,505 17,517 SH SOLE 17,517 0 0
VISA INC COM CL A 92826C839 1,122,906 3,125 SH SOLE 3,125 0 0
WALMART INC COM 931142103 2,501,151 24,068 SH SOLE 24,068 0 0