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
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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
Barings Corporate Investors (M BDFUND 06759x107 5,175,260 292,884 SH SOLE 146,442 0 146,442
Barings Participation Investor BDFUND 06761a103 725,956 47,140 SH SOLE 23,570 0 23,570
IShares 0-5 Year TIPS ETF (STI BDFUND 46429b747 1,363,896 13,680 SH SOLE 6,840 0 6,840
IShares Nat'l Muni Bond ETF (M BDFUND 464288414 4,399,063 43,512 SH SOLE 21,756 0 21,756
IShares Short Term Nat'l Muni BDFUND 464288158 4,526,582 43,300 SH SOLE 21,650 0 21,650
IShares TIPS ETF (TIP) BDFUND 464287176 5,895,350 56,664 SH SOLE 28,332 0 28,332
Invesco Bulletshares 2026 Corp BDFUND 46138j791 445,993 22,848 SH SOLE 11,424 0 11,424
JPMorgan UltraShort Muni Incom BDFUND 46641q654 444,928 8,800 SH SOLE 4,400 0 4,400
SPDR Bloomberg Inter Floating BDFUND 78468r200 41,368,961 1,341,406 SH SOLE 670,703 0 670,703
SPDR Intermediate Corp Bond ET BDFUND 78464a375 424,482 13,150 SH SOLE 6,575 0 6,575
Schwab US Aggregate Bond ETF ( BDFUND 808524839 4,131,595 186,950 SH SOLE 93,475 0 93,475
Schwab US TIPS ETF (SCHP) BDFUND 808524870 5,186,078 206,370 SH SOLE 103,185 0 103,185
Vaneck Intermediate Muni ETF ( BDFUND 92189h201 539,000 12,250 SH SOLE 6,125 0 6,125
Vanguard Intermediate Corp ETF BDFUND 92206c870 10,387,665 132,648 SH SOLE 66,324 0 66,324
Vanguard Muni Bond Tax Exempt BDFUND 922907746 475,968 10,050 SH SOLE 5,025 0 5,025
Vanguard Short Ter Corp Bd ETF BDFUND 92206c409 15,674,797 202,910 SH SOLE 101,455 0 101,455
iShares 1-5 Yr Inv Grade Corp BDFUND 464288646 2,934,967 57,290 SH SOLE 28,645 0 28,645
iShares iBonds 2026 Corp ETF ( BDFUND 46435gaa0 657,486 27,124 SH SOLE 13,562 0 13,562
iShares iBonds 2028 Corp ETF ( BDFUND 46435u515 574,080 23,000 SH SOLE 11,500 0 11,500
iShares iBonds 2029 Corp ETF ( BDFUND 46436E205 652,156 28,742 SH SOLE 14,371 0 14,371
iShares iBonds Muni 2026 (IBMO BDFUND 46435u259 554,337 21,620 SH SOLE 10,810 0 10,810
iShares iBonds Muni 2027 (IBMP BDFUND 46435u283 809,194 32,060 SH SOLE 16,030 0 16,030
iShares iBonds Muni 2028 (IBMQ BDFUND 46435u325 1,664,268 66,200 SH SOLE 33,100 0 33,100
iShares iBonds Muni 2029 (IBMR BDFUND 46436e163 1,931,908 78,120 SH SOLE 39,060 0 39,060
iShares iBonds Muni 2030 (IBMS BDFUND 46438G687 1,162,500 46,500 SH SOLE 23,250 0 23,250
iShares iBonds Muni 2031 (IBMT BDFUND 46438G356 898,857 36,450 SH SOLE 18,225 0 18,225
Charles Schwab US REIT (SCHH) REIT 808524847 1,040,993 47,232 SH SOLE 23,616 0 23,616
Vanguard Real Estate ETF (VNQ) REIT 922908553 861,703 9,614 SH SOLE 4,807 0 4,807
Weyerhauser (WY) REIT 962166104 804,253 42,218 SH SOLE 21,109 0 21,109
3M CO (MMM) COM 88579y101 1,328,958 8,096 SH SOLE 4,048 0 4,048
AFLAC INC (AFL) COM 001055102 1,179,055 10,548 SH SOLE 5,274 0 5,274
AMCOR PLC F (AMCR) COM g0250x107 421,279 10,064 SH SOLE 5,032 0 5,032
AT&T INC (T) COM 00206r102 556,125 22,792 SH SOLE 11,396 0 11,396
Abbott Labs (ABT) COM 002824100 2,728,103 27,604 SH SOLE 13,802 0 13,802
Abbvie Inc (ABBV) COM 00287y109 3,166,124 12,103 SH SOLE 6,052 0 6,052
Advanced Micro Devices (AMD) COM 007903107 1,867,379 3,052 SH SOLE 1,526 0 1,526
Aerovironment (AVAV) COM 008073108 654,212 4,600 SH SOLE 2,300 0 2,300
Air Products & Chemicals (APD) COM 009158106 503,596 1,810 SH SOLE 905 0 905
Airborn Wireless (ABWN) COM 00928l300 0 18,021,394 SH SOLE 9,010,697 0 9,010,697
Alphabet Inc Class A (GOOGL) COM 02079k305 3,171,601 9,218 SH SOLE 4,609 0 4,609
Alphabet Inc Class C (GOOG) COM 02079k107 10,889,640 31,959 SH SOLE 15,979 0 15,979
Amazon Inc (AMZN) COM 023135106 8,501,022 34,120 SH SOLE 17,060 0 17,060
Amgen Inc (AMGN) COM 031162100 1,097,612 2,604 SH SOLE 1,302 0 1,302
Amplify Cybersecurity ETF (HAC COM 032108664 2,902,486 23,940 SH SOLE 11,970 0 11,970
Analog Devices (ADI) COM 032654105 648,224 1,634 SH SOLE 817 0 817
Apple Inc (AAPL) COM 037833100 21,357,483 64,133 SH SOLE 32,066 0 32,066
Autodesk Inc (ADSK) COM 052769106 1,463,000 7,000 SH SOLE 3,500 0 3,500
Automatic Data Processing (ADP COM 053015103 1,197,398 4,640 SH SOLE 2,320 0 2,320
BWX Technologies Inc (BWXT) COM 05605h100 531,560 3,880 SH SOLE 1,940 0 1,940
Bank Montreal (BMO) COM 063671101 2,134,779 12,764 SH SOLE 6,382 0 6,382
Bank New York Mellon (BNY) COM 064058100 1,077,493 7,450 SH SOLE 3,725 0 3,725
Bank of America (BAC) COM 060505104 1,566,495 28,780 SH SOLE 14,390 0 14,390
Berkshire Hathaway A (BRKA) COM 084670108 2,988,020 4 SH SOLE 2 0 2
Berkshire Hathaway B (BRKB) COM 084670702 4,057,297 8,148 SH SOLE 4,074 0 4,074
Blackrock (BLK) COM 09290d101 448,715 424 SH SOLE 212 0 212
Blackstone Inc (BX) COM 09260d107 724,774 6,466 SH SOLE 3,233 0 3,233
Bloom Energy Cl A (BE) COM 093712107 1,430,879 5,166 SH SOLE 2,583 0 2,583
Boeing Co (BA) COM 097023105 512,754 2,756 SH SOLE 1,378 0 1,378
Bristol Myers (BMY) COM 110122108 1,260,106 20,194 SH SOLE 10,097 0 10,097
Broadcom Inc (AVGO) COM 11135f101 1,896,425 5,400 SH SOLE 2,700 0 2,700
CVS Health Corp (CVS) COM 126650100 1,407,201 16,422 SH SOLE 8,211 0 8,211
Carrier Global Corp (CARR) COM 14448c104 1,114,865 20,322 SH SOLE 10,161 0 10,161
Caterpillar Inc (CAT) COM 149123101 1,744,820 2,152 SH SOLE 1,076 0 1,076
Check Point Software (CHKP) COM m22465104 1,693,963 13,198 SH SOLE 6,599 0 6,599
Chevron Corp (CVX) COM 166764100 3,491,174 17,096 SH SOLE 8,548 0 8,548
Cincinnati Financial (CINF) COM 172062101 486,078 3,050 SH SOLE 1,525 0 1,525
Cisco Systems (CSCO) COM 17275r102 8,865,483 82,370 SH SOLE 41,185 0 41,185
Coca-Cola (KO) COM 191216100 2,612,184 30,346 SH SOLE 15,173 0 15,173
Colgate Palmolive (CL) COM 194162103 1,859,123 21,790 SH SOLE 10,895 0 10,895
Comcast Cl A (CMCSA) COM 20030n101 602,621 27,694 SH SOLE 13,847 0 13,847
Corning Inc (GLW) COM 219350105 1,241,766 8,076 SH SOLE 4,038 0 4,038
Corteva Inc (CTVA) COM 22052l104 476,460 6,136 SH SOLE 3,068 0 3,068
Costco (COST) COM 22160k105 1,343,662 1,476 SH SOLE 738 0 738
Crowdstrike Hldgs Inc Cl A (CR COM 22788c105 1,313,689 4,962 SH SOLE 2,481 0 2,481
Danaher Corp (DHR) COM 235851102 878,667 3,966 SH SOLE 1,983 0 1,983
Deere & Co (DE) COM 244199105 697,069 1,038 SH SOLE 519 0 519
Defiance AI & Power Infra (AIP COM 88636R479 632,188 22,418 SH SOLE 11,209 0 11,209
Dell Technologies Inc Cl C (DE COM 24703l202 490,610 912 SH SOLE 456 0 456
Duke Energy Corp (DUK) COM 26441c204 412,944 3,622 SH SOLE 1,811 0 1,811
Eaton Corporation PLC (ETN) COM g29183103 623,079 1,450 SH SOLE 725 0 725
Eli Lilly (LLY) COM 532457108 3,577,691 3,092 SH SOLE 1,546 0 1,546
Emerson Electric Co (EMR) COM 291011104 858,013 5,532 SH SOLE 2,766 0 2,766
Exxon Mobil Corp (XOM) COM 30233Q108 6,476,473 39,794 SH SOLE 19,897 0 19,897
Fastenal Co (FAST) COM 311900104 1,196,843 24,164 SH SOLE 12,082 0 12,082
GE Aerospace (GE) COM 369604301 1,815,029 5,812 SH SOLE 2,906 0 2,906
GE Vernova Inc (GEV) COM 36828a101 1,526,487 1,606 SH SOLE 803 0 803
Garmin Ltd (GRMN) COM h2906t109 500,823 1,746 SH SOLE 873 0 873
General Motors Co (GM) COM 37045v100 1,125,278 14,614 SH SOLE 7,307 0 7,307
Gilead Sciences Inc (GILD) COM 375558103 857,037 5,750 SH SOLE 2,875 0 2,875
Globalstar Inc (GSAT) COM 378973507 497,340 6,000 SH SOLE 3,000 0 3,000
Home Depot Inc (HD) COM 437076102 1,880,479 6,610 SH SOLE 3,305 0 3,305
Honeywell Aerospace Inc (HONA) COM 43849R105 786,318 5,074 SH SOLE 2,537 0 2,537
Honeywell Technologies (HON) COM 438516205 1,131,060 5,362 SH SOLE 2,681 0 2,681
IBM Corp (IBM) COM 459200101 940,861 4,278 SH SOLE 2,139 0 2,139
IShares Expanded Tech Software COM 464287515 648,037 6,086 SH SOLE 3,043 0 3,043
Illinois Tool Works (ITW) COM 452308109 1,797,358 6,986 SH SOLE 3,493 0 3,493
Intel Corp (INTC) COM 458140100 5,524,985 45,953 SH SOLE 22,977 0 22,977
Invesco Water Resources ETF (P COM 46137v142 1,726,273 25,450 SH SOLE 12,725 0 12,725
JP Morgan Chase & Co (JPM) COM 46625h100 7,347,734 22,210 SH SOLE 11,105 0 11,105
Johnson & Johnson (JNJ) COM 478160104 7,895,684 29,824 SH SOLE 14,912 0 14,912
Johnson Controls Inc (JCI) COM g51502105 428,112 2,880 SH SOLE 1,440 0 1,440
KKR & Co (KKR) COM 48251w104 2,456,700 26,908 SH SOLE 13,454 0 13,454
Korn Ferry (KFI) COM 500643200 511,868 7,150 SH SOLE 3,575 0 3,575
Landstar Corp (LSTR) COM 515098101 441,175 2,616 SH SOLE 1,308 0 1,308
Lemaitre Vascular (LMAT) COM 525558201 466,633 5,650 SH SOLE 2,825 0 2,825
Linde PLC (LIN) COM g54950103 732,860 1,544 SH SOLE 772 0 772
Lockheed Martin Corp (LMT) COM 539830109 410,455 806 SH SOLE 403 0 403
Lowes Co (LOW) COM 548661107 551,396 2,992 SH SOLE 1,496 0 1,496
MasterCard Inc (MA) COM 57636Q104 562,757 1,020 SH SOLE 510 0 510
McDonalds (MCD) COM 580135101 1,553,302 6,726 SH SOLE 3,363 0 3,363
Medtronic PLC (MDT) COM g5960l103 746,408 8,650 SH SOLE 4,325 0 4,325
Merck & Co (MRK) COM 58933y105 3,627,519 24,964 SH SOLE 12,482 0 12,482
Microsoft Corp (MSFT) COM 594918104 15,664,975 30,542 SH SOLE 15,271 0 15,271
Morgan Stanley (MS) COM 617446448 1,033,312 5,494 SH SOLE 2,747 0 2,747
Newmont Corp (NEM) COM 651639106 547,865 4,750 SH SOLE 2,375 0 2,375
NextEra Energy (NEE) COM 65339f101 2,169,042 28,638 SH SOLE 14,319 0 14,319
Norfolk Southern (NSC) COM 655844108 813,906 2,634 SH SOLE 1,317 0 1,317
Novartis ADR (NVS) COM 66987v109 931,267 6,532 SH SOLE 3,266 0 3,266
Nvidia (NVDA) COM 67066g104 4,453,334 19,500 SH SOLE 9,750 0 9,750
Oracle Corp (ORCL) COM 68389x105 1,408,149 10,256 SH SOLE 5,128 0 5,128
PNC Fin'l Services (PNC) COM 693475105 490,750 2,208 SH SOLE 1,104 0 1,104
Palo Alto Networks (PANW) COM 697435105 568,153 1,430 SH SOLE 715 0 715
Pegasystems Inc (PEGA) COM 705573103 1,194,885 35,904 SH SOLE 17,952 0 17,952
Pepsico (PEP) COM 713448108 3,397,110 26,808 SH SOLE 13,404 0 13,404
Pfizer Inc (PFE) COM 717081103 1,309,827 45,927 SH SOLE 22,963 0 22,963
Phillips 66 (PSX) COM 718546104 3,766,844 14,754 SH SOLE 7,377 0 7,377
Procter & Gamble (PG) COM 742718109 3,441,683 23,690 SH SOLE 11,845 0 11,845
Qualcom Corp (QCOM) COM 747525103 598,498 3,252 SH SOLE 1,626 0 1,626
RTX Corp (RTX) COM 75513e101 4,444,090 23,938 SH SOLE 11,969 0 11,969
Regions Financial (RF) COM 7591ep100 891,072 33,150 SH SOLE 16,575 0 16,575
Robo Global Robotics & Automat COM 301505707 1,995,891 24,806 SH SOLE 12,403 0 12,403
Rocket Lab (RKLB) COM 773121108 996,424 14,300 SH SOLE 7,150 0 7,150
Salesforce Inc (CRM) COM 79466l302 563,824 2,456 SH SOLE 1,228 0 1,228
Scandium Mining (SCYYF) COM 80600l109 30,680 236,000 SH SOLE 118,000 0 118,000
Sealsq Corp (LAES) COM G79483106 140,400 60,000 SH SOLE 30,000 0 30,000
Sector SPDR Health Care ETF (X COM 81369y209 811,784 4,820 SH SOLE 2,410 0 2,410
Sector SPDR Technology ETF(XLK COM 81369y803 932,553 4,764 SH SOLE 2,382 0 2,382
Smucker JM Co (SJM) COM 832696405 960,555 8,078 SH SOLE 4,039 0 4,039
Sonoco Products (SON) COM 835495102 1,059,882 21,710 SH SOLE 10,855 0 10,855
Starbucks Corp (SBUX) COM 855244109 1,700,300 18,096 SH SOLE 9,048 0 9,048
State Street Corp (STT) COM 857477103 1,737,170 9,950 SH SOLE 4,975 0 4,975
Stryker Corp (SYK) COM 863667101 1,335,091 4,848 SH SOLE 2,424 0 2,424
Sysco Corp (SYY) COM 871829107 2,171,030 27,848 SH SOLE 13,924 0 13,924
TD Synnex (SNX) COM 87162w100 680,652 2,650 SH SOLE 1,325 0 1,325
TJX Companies (TJX) COM 872540109 4,099,493 30,984 SH SOLE 15,492 0 15,492
Taiwan Semiconductor Manufactu COM 874039100 1,481,705 3,248 SH SOLE 1,624 0 1,624
Target (TGT) COM 87612e106 1,360,405 8,682 SH SOLE 4,341 0 4,341
Texas Instruments Inc (TXN) COM 882508104 2,151,651 7,682 SH SOLE 3,841 0 3,841
Thermo Fisher Scientific (TMO) COM 883556102 955,871 1,416 SH SOLE 708 0 708
Trex Co (TREX) COM 89531p105 767,527 17,620 SH SOLE 8,810 0 8,810
Truist Financial (TFC) COM 89832q109 423,460 9,146 SH SOLE 4,573 0 4,573
US Bancorp (USB) COM 902973304 2,092,760 36,232 SH SOLE 18,116 0 18,116
Ulta Beauty Inc (ULTA) COM 90384s303 1,665,818 3,050 SH SOLE 1,525 0 1,525
Unilever PLC (UL) COM 904767803 787,911 12,974 SH SOLE 6,487 0 6,487
Union Pacific Corp (UNP) COM 907818108 644,948 2,370 SH SOLE 1,185 0 1,185
VISA Inc CL A (V) COM 92826c839 4,945,099 13,762 SH SOLE 6,881 0 6,881
Valero Energy Corp (VLO) COM 91913y100 732,583 1,890 SH SOLE 945 0 945
Verisk Analytics Inc Cl A (VRS COM 92345y106 1,263,910 7,530 SH SOLE 3,765 0 3,765
Verizon Communications (VZ) COM 92343v104 1,469,858 32,044 SH SOLE 16,022 0 16,022
Vicor Corp (VICR) COM 925815102 1,112,419 3,850 SH SOLE 1,925 0 1,925
Walmart Inc (WMT) COM 931142103 1,578,960 15,194 SH SOLE 7,597 0 7,597
Walt Disney Corp (DIS) COM 254687106 1,688,890 16,100 SH SOLE 8,050 0 8,050
Xanadu Quantum Technologies (X COM 98390R102 114,042 24,900 SH SOLE 12,450 0 12,450
Zoetis Inc (ZTS) COM 98978v103 510,457 7,310 SH SOLE 3,655 0 3,655
Invesco QQQ Trust (QQQ) ETF 46090e103 645,079 872 SH SOLE 436 0 436
Invesco S&P500 High Div Low Vo ETF 46138e362 645,612 13,400 SH SOLE 6,700 0 6,700
Invesco SP 500 Equal Weight ET ETF 46137v357 7,778,119 37,391 SH SOLE 18,696 0 18,696
SPDR Portfolio S&P400 Mid Cap ETF 78464a847 1,424,704 22,600 SH SOLE 11,300 0 11,300
SPDR S&P 500 ETF (SPY) ETF 78462f103 4,260,815 5,587 SH SOLE 2,794 0 2,794
SPDR S&P Dividend ETF (SDY) ETF 78464a763 952,120 6,500 SH SOLE 3,250 0 3,250
SPDR S&P Mid Cap 400 ETF (MDY) ETF 78467y107 19,122,178 29,118 SH SOLE 14,559 0 14,559
Schwab US Broad Mkt ETF (SCHB) ETF 808524102 8,460,097 288,642 SH SOLE 144,321 0 144,321
Schwab US Dividend Equity ETF ETF 808524797 17,083,203 525,152 SH SOLE 262,576 0 262,576
Schwab US Large Cap ETF (SCHX) ETF 808524201 8,573,400 285,780 SH SOLE 142,890 0 142,890
Schwab US Large Cap Growth ETF ETF 808524300 17,769,493 494,559 SH SOLE 247,279 0 247,279
Schwab US Mid Cap ETF (SCHM) ETF 808524508 17,920,466 526,763 SH SOLE 263,381 0 263,381
Schwab US Small Cap ETF (SCHA) ETF 808524607 10,256,180 314,318 SH SOLE 157,159 0 157,159
State St SPDR Portfolio S&P 50 ETF 78464a854 725,979 8,088 SH SOLE 4,044 0 4,044
Vanguard High Dividend Yield E ETF 921946406 481,120 3,100 SH SOLE 1,550 0 1,550
Vanguard Information Tech Inde ETF 92204a702 825,903 6,572 SH SOLE 3,286 0 3,286
Vanguard Mid Cap ETF (VO) ETF 922908629 990,601 12,632 SH SOLE 6,316 0 6,316
Vanguard S&P 500 ETF (VOO) ETF 922908363 18,279,578 26,082 SH SOLE 13,041 0 13,041
Vanguard Small Cap Growth ETF ETF 922908595 4,080,986 12,080 SH SOLE 6,040 0 6,040
Vanguard Total Stock Market ET ETF 922908769 1,070,471 2,860 SH SOLE 1,430 0 1,430
iShares CORE S&P 500 ETF (IVV) ETF 464287200 2,729,489 3,564 SH SOLE 1,782 0 1,782
iShares Preferred Income Sec E ETF 464288687 3,358,954 113,863 SH SOLE 56,931 0 56,931
iShares S&P 100 ETF (OEF) ETF 464287101 1,684,973 4,410 SH SOLE 2,205 0 2,205
iShares TR S&P 500 Barra Value ETF 464287408 541,937 2,374 SH SOLE 1,187 0 1,187
iShares TR S&P 500/Barra Growt ETF 464287309 625,944 4,400 SH SOLE 2,200 0 2,200
iShares USA ESG Select (SUSA) ETF 464288802 1,079,796 6,936 SH SOLE 3,468 0 3,468
IShares Global 100 ETF (IOO) ETF 464287572 2,757,791 19,150 SH SOLE 9,575 0 9,575
IShares Int'l Select Div ETF ( ETF 464288448 1,955,085 46,340 SH SOLE 23,170 0 23,170
IShares MSCI Canada ETF IV (EW ETF 464286509 617,660 10,580 SH SOLE 5,290 0 5,290
IShares MSCI EAFE ETF (EFA) ETF 464287465 3,946,030 37,983 SH SOLE 18,991 0 18,991
IShares MSCI Ireland ETF (EIRL ETF 46429b507 933,773 11,390 SH SOLE 5,695 0 5,695
JPMorgan BetaBuilders Europe E ETF 46641Q191 5,013,706 66,240 SH SOLE 33,120 0 33,120
SPDR S&P Int'l Dividend ETF (D ETF 78463x772 514,993 11,258 SH SOLE 5,629 0 5,629
Schwab Emerging Mkts Equity ET ETF 808524706 3,424,259 93,944 SH SOLE 46,972 0 46,972
Schwab International Equity ET ETF 808524805 22,966,585 836,061 SH SOLE 418,030 0 418,030
Vanguard European ETF (VGK) ETF 922042874 414,557 4,776 SH SOLE 2,388 0 2,388
Vanguard FTSE All World ex US ETF 922042775 1,607,793 19,378 SH SOLE 9,689 0 9,689
Vanguard Total World Stock ETF ETF 922042742 631,400 4,000 SH SOLE 2,000 0 2,000