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
AbbVie Inc COM 00287Y109 2,755 10,530 SH SOLE 10,530 0 0
Airbnb Inc COM 009066101 1,299 8,088 SH SOLE 8,088 0 0
Alphabet Inc A COM 02079K305 6,878 19,990 SH SOLE 19,990 0 0
Alphabet Inc C COM 02079K107 908 2,665 SH SOLE 2,665 0 0
Amazon.com Inc COM 023135106 5,188 20,821 SH SOLE 20,821 0 0
American Tower Corp COM 03027X100 573 3,502 SH SOLE 3,502 0 0
American Water Works Co Inc COM 030420103 1,156 8,930 SH SOLE 8,930 0 0
Amgen Inc COM 031162100 2,187 5,188 SH SOLE 5,188 0 0
Apple Inc COM 037833100 13,702 41,144 SH SOLE 41,144 0 0
Automatic Data Processing Inc COM 053015103 2,883 11,170 SH SOLE 11,170 0 0
Bank of America Corporation COM 060505104 653 12,000 SH SOLE 12,000 0 0
Berkshire Hathaway Inc B COM 084670702 2,800 5,623 SH SOLE 5,623 0 0
BlackRock Inc COM 09290D101 2,711 2,562 SH SOLE 2,562 0 0
Blackstone Inc COM 09260D107 865 7,721 SH SOLE 7,721 0 0
Boeing Co COM 097023105 1,128 6,063 SH SOLE 6,063 0 0
Broadcom Inc Com COM 11135F101 3,922 11,167 SH SOLE 11,167 0 0
Charles Schwab Corp COM 808513105 1,635 16,723 SH SOLE 16,723 0 0
Chevron Corp COM 166764100 1,036 5,074 SH SOLE 5,074 0 0
Chubb Ltd COM H1467J104 2,377 7,309 SH SOLE 7,309 0 0
Cisco Systems Inc COM 17275R102 2,757 25,620 SH SOLE 25,620 0 0
CME Group Inc Class A COM 12572Q105 1,421 5,424 SH SOLE 5,424 0 0
Coca-Cola Co COM 191216100 888 10,317 SH SOLE 10,317 0 0
Cognizant Technology Solutions COM 192446102 509 8,861 SH SOLE 8,861 0 0
Corning Inc COM 219350105 1,547 10,058 SH SOLE 10,058 0 0
Corpay Inc COM 219948106 1,005 2,585 SH SOLE 2,585 0 0
Costco Wholesale Corp COM 22160K105 1,843 2,024 SH SOLE 2,024 0 0
CrowdStrike Holdings Inc COM 22788C105 1,711 6,463 SH SOLE 6,463 0 0
Digital Realty Trust Inc COM 253868103 471 2,685 SH SOLE 2,685 0 0
EchoStar Corp COM 278768106 289 3,235 SH SOLE 3,235 0 0
Eli Lilly and Co COM 532457108 353 305 SH SOLE 305 0 0
Equinix Inc COM 29444U700 555 549 SH SOLE 549 0 0
Exxon Mobil Corp COM 30233Q108 2,402 14,757 SH SOLE 14,757 0 0
Goldman Sachs Group Inc COM 38141G104 972 1,080 SH SOLE 1,080 0 0
Honeywell International Inc COM 438516205 801 3,799 SH SOLE 3,799 0 0
Illinois Tool Works Inc COM 452308109 1,120 4,352 SH SOLE 4,352 0 0
International Business Machines COM 459200101 772 3,511 SH SOLE 3,511 0 0
Invesco International Corporate Bond ETF COM 46138E636 230 10,330 SH SOLE 10,330 0 0
iShares Residential & Multi ETF COM 464288562 610 6,905 SH SOLE 6,905 0 0
Johnson & Johnson COM 478160104 2,938 11,098 SH SOLE 11,098 0 0
JPMorgan Chase & Co COM 46625H100 2,912 8,801 SH SOLE 8,801 0 0
Linde plc COM G54950103 2,023 4,262 SH SOLE 4,262 0 0
Madison Square Garden Sports COM 55825T103 219 540 SH SOLE 540 0 0
Martin Marietta Materials Inc COM 573284106 1,344 2,801 SH SOLE 2,801 0 0
McDonald s Corp COM 580135101 1,375 5,955 SH SOLE 5,955 0 0
Medtronic PLC COM G5960L103 1,188 13,764 SH SOLE 13,764 0 0
Merck & Co Inc COM 58933Y105 1,205 8,296 SH SOLE 8,296 0 0
Meta Platforms COM 30303M102 4,129 5,694 SH SOLE 5,694 0 0
Microsoft Corp COM 594918104 11,305 22,042 SH SOLE 22,042 0 0
Netflix Inc COM 64110L106 1,259 18,097 SH SOLE 18,097 0 0
NextEra Energy Inc COM 65339F101 2,029 26,790 SH SOLE 26,790 0 0
NVIDIA Corp COM 67066G104 10,344 45,291 SH SOLE 45,291 0 0
PepsiCo Inc COM 713448108 993 7,837 SH SOLE 7,837 0 0
Procter & Gamble Co COM 742718109 1,323 9,109 SH SOLE 9,109 0 0
Prologis Inc COM 74340W103 865 6,665 SH SOLE 6,665 0 0
Public Storage COM 74460D109 349 1,234 SH SOLE 1,234 0 0
Realty Income Corp COM 756109104 381 7,013 SH SOLE 7,013 0 0
Reddit Inc COM 75734B100 363 2,547 SH SOLE 2,547 0 0
S&P Global Inc COM 78409V104 1,684 4,268 SH SOLE 4,268 0 0
Schwab 1 5 Year Corp Bond ETF COM 808524714 469 19,474 SH SOLE 19,474 0 0
Schwab Int-Term US Treasury ETF COM 808524854 334 14,096 SH SOLE 14,096 0 0
Schwab US Aggregate Bond ETF COM 808524839 385 17,424 SH SOLE 17,424 0 0
Schwab US Broad Market ETF COM 808524102 717 24,470 SH SOLE 24,470 0 0
Schwab US Dividend Equity ETF COM 808524797 1,065 32,739 SH SOLE 32,739 0 0
Schwab US Large-Cap Growth ETF COM 808524300 1,815 50,503 SH SOLE 47,884 0 2,619
Schwab US Large-Cap Value ETF COM 808524409 1,999 60,008 SH SOLE 57,368 0 2,640
Schwab US REIT ETF COM 808524847 393 17,840 SH SOLE 17,840 0 0
Schwab US TIPS ETF COM 808524870 1,436 57,130 SH SOLE 41,047 0 16,083
Simon Property Group Inc COM 828806109 499 2,487 SH SOLE 2,487 0 0
Space Exploration Technologies COM 84615Q103 1,111 7,362 SH SOLE 7,237 0 125
SPDR Gold MiniShares COM 98149E303 752 9,151 SH SOLE 8,951 0 200
SPDR Gold Shares COM 78463V107 2,484 6,523 SH SOLE 6,523 0 0
SPDR S&P 500 ETF COM 78462F103 331 434 SH SOLE 434 0 0
Starbucks Corp COM 855244109 1,190 12,665 SH SOLE 12,665 0 0
Stryker Corp COM 863667101 1,416 5,143 SH SOLE 5,143 0 0
Sysco Corp COM 871829107 995 12,766 SH SOLE 12,766 0 0
The Home Depot Inc COM 437076102 1,005 3,531 SH SOLE 3,531 0 0
The Travelers Companies Inc COM 89417E109 908 2,548 SH SOLE 2,548 0 0
Trane Technologies PLC COM G8994E103 450 995 SH SOLE 995 0 0
Uber Technologies Inc COM 90353T100 1,302 19,006 SH SOLE 19,006 0 0
Union Pacific Corp COM 907818108 1,817 6,676 SH SOLE 6,676 0 0
VanEck Vectors Gold Miners ETF COM 92189F106 211 2,405 SH SOLE 2,405 0 0
Vanguard Total International Bond ETF COM 92203J407 242 5,165 SH SOLE 5,165 0 0
Vertiv Holdings Co COM 92537N108 911 3,776 SH SOLE 3,776 0 0
Viking Holdings Ltd. ORD SHS COM G93A5A101 508 6,482 SH SOLE 6,482 0 0
Visa Inc Class A COM 92826C839 3,312 9,216 SH SOLE 9,216 0 0
Waste Management Inc COM 94106L109 1,842 9,033 SH SOLE 9,033 0 0
Waters Corp COM 941848103 983 2,237 SH SOLE 2,237 0 0
Welltower Inc Com COM 95040Q104 1,070 4,649 SH SOLE 4,649 0 0