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 COM 002824100 555,425 5,620 SH SOLE 0 0 0 5,620
ABBVIE INC COM 00287Y109 7,560,997 28,904 SH SOLE 0 0 0 28,904
ADOBE INC COM 00724F101 287,928 1,200 SH Put SOLE 0 0 0 1,200
ADOBE INC COM 00724F101 974,156 4,060 SH SOLE 0 0 0 4,060
ADVANCED MICRO DEVICES INC COM 007903107 2,608,545 4,264 SH SOLE 0 0 0 4,264
AFLAC INC COM 001055102 335,340 3,000 SH SOLE 0 0 0 3,000
AIRBNB INC COM CL A 009066101 607,257 3,780 SH SOLE 0 0 0 3,780
ALPHABET INC CAP STK CL A 02079K305 13,157,619 38,240 SH SOLE 0 0 0 38,240
AMAZON COM INC COM 023135106 5,172,105 20,759 SH SOLE 0 0 0 20,759
AMERICAN EXPRESS CO COM 025816109 1,675,287 5,509 SH SOLE 0 0 0 5,509
AMERICAN TOWER CORP COM 03027X100 864,283 5,280 SH SOLE 0 0 0 5,280
AMGEN INC COM 031162100 2,657,199 6,304 SH SOLE 0 0 0 6,304
AMPHENOL CORP CL A 032095101 261,920 3,107 SH SOLE 0 0 0 3,107
ANALOG DEVICES INC COM 032654105 5,267,119 13,277 SH SOLE 0 0 0 13,277
APPLE INC COM 037833100 31,799,081 95,487 SH SOLE 0 0 0 95,487
APPLIED MATLS INC COM 038222105 14,858,657 29,056 SH SOLE 0 0 0 29,056
BROADCOM INC COM 11135F101 1,173,677 3,342 SH SOLE 0 0 0 3,342
CATERPILLAR INC COM 149123101 7,271,165 8,968 SH SOLE 0 0 0 8,968
CHEVRON CORPORATION COM 166764100 7,677,479 37,596 SH SOLE 0 0 0 37,596
CISCO SYS INC COM 17275R102 3,291,971 30,586 SH SOLE 0 0 0 30,586
CME GROUP INC COM 12572Q105 2,342,625 8,942 SH SOLE 0 0 0 8,942
COCA COLA CO COM 191216100 4,386,379 50,957 SH SOLE 0 0 0 50,957
COLGATE PALMOLIVE CO COM 194162103 255,960 3,000 SH SOLE 0 0 0 3,000
CORTEVA INC COM 22052L104 919,920 11,847 SH SOLE 0 0 0 11,847
COSTCO WHOLESALE CORPORATION COM 22160K105 9,770,679 10,733 SH SOLE 0 0 0 10,733
CUMMINS INC COM 231021106 4,979,735 9,640 SH SOLE 0 0 0 9,640
DEERE & CO COM 244199105 7,499,199 11,167 SH SOLE 0 0 0 11,167
DELL TECHNOLOGIES INC CL C 24703L202 442,733 823 SH SOLE 0 0 0 823
ECOLAB INC COM 278865100 439,328 1,600 SH SOLE 0 0 0 1,600
ELI LILLY & CO COM 532457108 1,074,927 929 SH SOLE 0 0 0 929
EMERSON ELEC CO COM 291011104 2,231,269 14,386 SH SOLE 0 0 0 14,386
EQUINIX INC COM 29444U700 261,999 259 SH SOLE 0 0 0 259
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 8,154,101 50,102 SH SOLE 0 0 0 50,102
FRANKLIN TEMPLETON ETF TR FRANKLIN INDIA 35473P769 2,267,608 67,710 SH SOLE 0 0 0 67,710
GILEAD SCIENCES INC COM 375558103 1,037,388 6,960 SH SOLE 0 0 0 6,960
GOLDMAN SACHS GROUP INC COM 38141G104 9,650,959 10,719 SH SOLE 0 0 0 10,719
HP INC COM 40434L105 232,754 7,441 SH SOLE 0 0 0 7,441
ILLINOIS TOOL WKS INC COM 452308109 549,550 2,136 SH SOLE 0 0 0 2,136
INTERNATIONAL BUSINESS MACHS COM 459200101 7,414,720 33,714 SH SOLE 0 0 0 33,714
INTUIT COM 461202103 423,491 1,536 SH SOLE 0 0 0 1,536
INTUIT COM 461202103 137,855 500 SH Put SOLE 0 0 0 500
INVESCO EXCH TRADED FD TR II NASDAQ BIOTECH 46138G599 3,291,985 93,682 SH SOLE 0 0 0 93,682
INVESCO QQQ TR UNIT SER 1 46090E103 479,371 648 SH SOLE 0 0 0 648
ISHARES INC MSCI SWEDEN ETF 464286756 230,454 4,610 SH SOLE 0 0 0 4,610
ISHARES INC MSCI EMRG CHN 46434G764 654,721 6,608 SH SOLE 0 0 0 6,608
ISHARES SILVER TR ISHARES 46428Q109 450,471 8,264 SH SOLE 0 0 0 8,264
ISHARES TR SELECT DIVID ETF 464287168 992,783 6,528 SH SOLE 0 0 0 6,528
ISHARES TR MBS ETF 464288588 660,768 7,373 SH SOLE 0 0 0 7,373
ISHARES TR CORE MSCI EAFE 46432F842 7,894,848 81,491 SH SOLE 0 0 0 81,491
ISHARES TR IBONDS 26 TRM TS 46436E858 596,276 26,061 SH SOLE 0 0 0 26,061
ISHARES TR IBONDS 27 TRM TS 46436E841 445,775 19,972 SH SOLE 0 0 0 19,972
ISHARES TR CORE DIV GRWTH 46434V621 16,010,122 212,364 SH SOLE 0 0 0 212,364
ISHARES TR MSCI EAFE ETF 464287465 259,517 2,498 SH SOLE 0 0 0 2,498
ISHARES TR LATN AMER 40 ETF 464287390 243,225 7,050 SH SOLE 0 0 0 7,050
ISHARES TR CORE S&P MCP ETF 464287507 1,626,718 22,609 SH SOLE 0 0 0 22,609
ISHARES TR CORE S&P500 ETF 464287200 29,457,654 38,464 SH SOLE 0 0 0 38,464
ISHARES TR S&P 500 GRWT ETF 464287309 1,557,534 10,949 SH SOLE 0 0 0 10,949
ISHARES TR RUSSELL 2000 ETF 464287655 1,027,927 3,699 SH SOLE 0 0 0 3,699
JOHNSON & JOHNSON COM 478160104 4,119,354 15,560 SH SOLE 0 0 0 15,560
JPMORGAN CHASE & CO COM 46625H100 5,727,660 17,313 SH SOLE 0 0 0 17,313
KLA CORP COM NEW 482480100 3,703,670 19,000 SH SOLE 0 0 0 19,000
LOCKHEED MARTIN CORP COM 539830109 1,404,002 2,757 SH SOLE 0 0 0 2,757
LOWES COS INC COM 548661107 1,658,426 8,999 SH SOLE 0 0 0 8,999
MARVELL TECHNOLOGY INC COM 573874104 4,033,166 15,265 SH SOLE 0 0 0 15,265
MASTERCARD INCORPORATED CL A 57636Q104 220,588 400 SH SOLE 0 0 0 400
MCDONALDS CORP COM 580135101 3,526,223 15,269 SH SOLE 0 0 0 15,269
MERCK & CO INC COM 58933Y105 290,620 2,000 SH SOLE 0 0 0 2,000
META PLATFORMS INC CL A 30303M102 6,002,315 8,277 SH SOLE 0 0 0 8,277
MICROSOFT CORP COM 594918104 20,765,782 40,487 SH SOLE 0 0 0 40,487
MORGAN STANLEY COM NEW 617446448 1,167,036 6,205 SH SOLE 0 0 0 6,205
NEW YORK TIMES CO MTN BE CL A 650111107 1,444,143 22,671 SH SOLE 0 0 0 22,671
NORTHROP GRUMMAN CORP COM 666807102 725,220 1,500 SH SOLE 0 0 0 1,500
NVIDIA CORPORATION COM 67066G104 4,946,482 21,659 SH SOLE 0 0 0 21,659
ORACLE CORP COM 68389X105 7,987,702 58,177 SH SOLE 0 0 0 58,177
PACER FDS TR NASD IN PATE ETF 69374H311 898,848 25,199 SH SOLE 0 0 0 25,199
PROCTER & GAMBLE CO COM 742718109 410,561 2,826 SH SOLE 0 0 0 2,826
ROCKET LAB CORP COM 773121108 385,470 5,532 SH SOLE 0 0 0 5,532
ROSS STORES INC COM 778296103 863,580 3,700 SH SOLE 0 0 0 3,700
RTX CORPORATION COM 75513E101 222,780 1,200 SH SOLE 0 0 0 1,200
S&P GLOBAL INC COM 78409V104 322,676 818 SH SOLE 0 0 0 818
SALESFORCE INC COM 79466L302 1,407,264 6,130 SH SOLE 0 0 0 6,130
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 275,106 8,457 SH SOLE 0 0 0 8,457
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,058,878 124,391 SH SOLE 0 0 0 124,391
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 530,453 22,382 SH SOLE 0 0 0 22,382
SELECT SECTOR SPDR TR ST STR REAL ETF 81369Y860 262,233 6,410 SH SOLE 0 0 0 6,410
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 328,890 8,339 SH SOLE 0 0 0 8,339
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 609,978 3,653 SH SOLE 0 0 0 3,653
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 566,892 2,896 SH SOLE 0 0 0 2,896
SOUTHERN CO COM 842587107 1,960,349 23,650 SH SOLE 0 0 0 23,650
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 5,947,017 114,896 SH SOLE 0 0 0 114,896
SPDR SERIES TRUST ST INTER BD ETF 78464A375 545,984 16,914 SH SOLE 0 0 0 16,914
SPDR SERIES TRUST ST STR SP DIV 78464A763 1,382,918 9,441 SH SOLE 0 0 0 9,441
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 276,143 543 SH SOLE 0 0 0 543
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 18,300,260 23,996 SH SOLE 0 0 0 23,996
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 2,393,402 3,645 SH SOLE 0 0 0 3,645
STRYKER CORPORATION COM 863667101 436,769 1,586 SH SOLE 0 0 0 1,586
TALEN ENERGY CORP COM 87422Q109 761,087 2,434 SH SOLE 0 0 0 2,434
TESLA INC COM 88160R101 289,525 816 SH SOLE 0 0 0 816
TEXAS INSTRS INC COM 882508104 3,892,131 13,896 SH SOLE 0 0 0 13,896
TJX COS INC NEW COM 872540109 4,210,369 31,822 SH SOLE 0 0 0 31,822
TRAVELERS COMPANIES INC COM 89417E109 2,024,977 5,680 SH SOLE 0 0 0 5,680
TRUIST FINL CORP COM 89832Q109 532,589 11,503 SH SOLE 0 0 0 11,503
UNION PAC CORP COM 907818108 1,172,880 4,310 SH SOLE 0 0 0 4,310
UNITEDHEALTH GROUP INC COM 91324P102 1,101,240 3,000 SH SOLE 0 0 0 3,000
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 252,273 3,302 SH SOLE 0 0 0 3,302
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 481,369 6,862 SH SOLE 0 0 0 6,862
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 446,765 9,532 SH SOLE 0 0 0 9,532
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,287,480 1,837 SH SOLE 0 0 0 1,837
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 840,349 10,716 SH SOLE 0 0 0 10,716
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 554,810 6,190 SH SOLE 0 0 0 6,190
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 710,941 2,499 SH SOLE 0 0 0 2,499
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 9,258,082 102,742 SH SOLE 0 0 0 102,742
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 10,452,304 45,125 SH SOLE 0 0 0 45,125
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 1,589,397 4,247 SH SOLE 0 0 0 4,247
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 362,496 4,693 SH SOLE 0 0 0 4,693
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,338,733 5,738 SH SOLE 0 0 0 5,738
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 855,307 5,511 SH SOLE 0 0 0 5,511
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 2,095,746 22,196 SH SOLE 0 0 0 22,196
VANGUARD WORLD FD MRNGSTR CAP ETF 921910873 680,367 2,410 SH SOLE 0 0 0 2,410
VANGUARD WORLD FD UTILITIES ETF 92204A876 420,660 2,460 SH SOLE 0 0 0 2,460
VEEVA SYS INC CL A COM 922475108 1,050,741 3,681 SH SOLE 0 0 0 3,681
VERTEX PHARMACEUTICALS INC COM 92532F100 575,091 1,100 SH SOLE 0 0 0 1,100
VISA INC COM CL A 92826C839 3,034,183 8,444 SH SOLE 0 0 0 8,444
WALMART INC COM 931142103 103,717,252 998,049 SH SOLE 0 0 0 998,049
WELLTOWER INC COM 95040Q104 747,129 3,245 SH SOLE 0 0 0 3,245
WORLD GOLD TR SPDR GLD MINIS 98149E303 5,157,206 62,755 SH SOLE 0 0 0 62,755
YUM BRANDS INC COM 988498101 2,117,906 15,534 SH SOLE 0 0 0 15,534