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 661,562 2,529 SH SOLE 2,529 0 0
ADVANCED MICRO DEVICES INC COM 007903107 252,046 412 SH SOLE 385 0 27
ALPHABET INC CAP STK CL A 02079K305 1,377,916 4,005 SH SOLE 4,005 0 0
ALPHABET INC CAP STK CL C 02079K107 2,380,192 6,985 SH SOLE 6,765 0 220
AMAZON COM INC COM 023135106 3,636,594 14,596 SH SOLE 13,506 0 1,090
AMGEN INC COM 031162100 704,344 1,671 SH SOLE 1,671 0 0
APPLE INC COM 037833100 8,512,028 25,560 SH SOLE 23,978 0 1,582
BECTON DICKINSON & CO COM 075887109 7,122,837 39,792 SH SOLE 39,790 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,018,573 6,062 SH SOLE 5,871 0 191
BERKSHIRE HATHAWAY INC DEL CL A 084670108 3,735,025 5 SH SOLE 5 0 0
BLACKROCK INC COM 09290D101 18,352,960 17,342 SH SOLE 17,327 0 15
BP PLC SPONSORED ADR 055622104 303,877 6,908 SH SOLE 6,908 0 0
BROADCOM INC COM 11135F101 614,583 1,750 SH SOLE 1,750 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 7,845,908 143,017 SH SOLE 143,012 0 5
CATERPILLAR INC COM 149123101 24,734,309 30,506 SH SOLE 30,472 0 34
CENCORA INC COM 03073E105 677,364 2,256 SH SOLE 2,256 0 0
CHARLES SCHWAB CORP (THE) COM 808513105 18,033,340 184,503 SH SOLE 184,374 0 129
CHEVRON CORPORATION COM 166764100 12,280,676 60,137 SH SOLE 59,632 0 505
CISCO SYS INC COM 17275R102 7,997,232 74,303 SH SOLE 74,225 0 78
COCA COLA CO COM 191216100 312,274 3,606 SH SOLE 3,606 0 0
CONOCOPHILLIPS COM 20825C104 220,714 1,764 SH SOLE 1,764 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 2,666,811 2,929 SH SOLE 2,929 0 0
CUMMINS INC COM 231021106 455,244 881 SH SOLE 599 0 282
CVS HEALTH CORP COM 126650100 12,589,651 146,921 SH SOLE 146,899 0 22
DEERE & CO COM 244199105 21,386,166 31,770 SH SOLE 31,761 0 9
DFA INVT DIMENSIONS GROUP IN U.S. HIGH RELATI 25239Y196 294,754 7,033 SH SOLE 7,033 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 425,821 10,278 SH SOLE 10,278 0 0
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690 219,707 4,864 SH SOLE 4,864 0 0
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 238,380 2,871 SH SOLE 2,871 0 0
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 469,364 10,559 SH SOLE 10,559 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 1,398,001 37,763 SH SOLE 37,763 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N201 3,798,228 29,242 SH SOLE 29,234 0 8
EMERSON ELEC CO COM 291011104 535,095 3,450 SH SOLE 3,450 0 0
ETFS GOLD TR PHYSCL GOLD SHS 00326A104 618,561 15,636 SH SOLE 15,636 0 0
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 19,334,855 118,801 SH SOLE 118,772 0 29
GLOBAL X FDS LITHIUM BTRY ETF 37954Y855 203,345 2,972 SH SOLE 2,972 0 0
GRANITE CONSTR INC COM 387328107 319,110 2,750 SH SOLE 2,750 0 0
HOME DEPOT INC COM 437076102 12,848,497 45,163 SH SOLE 45,162 0 1
IMMUNITYBIO INC COM 45256X103 1,054,430 111,698 SH SOLE 111,698 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 9,192,493 41,797 SH SOLE 41,393 0 404
INVESCO EXCH TRADED FD TR II RAFI DVLPD MRKTS 46138E735 4,083,494 88,965 SH SOLE 88,375 0 590
INVESCO EXCH TRADED FD TR II RAFI DVLPD MRKTS 46138E743 281,670 3,695 SH SOLE 3,695 0 0
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 11,730,161 200,962 SH SOLE 200,599 0 363
INVESCO QQQ TR UNIT SER 1 46090E103 1,038,816 1,403 SH SOLE 1,322 0 81
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101 203,278 4,294 SH SOLE 4,219 0 75
ISHARES INC MSCI EMRG CHN 46434G764 254,642 2,570 SH SOLE 2,570 0 0
ISHARES INC CORE MSCI EMKT 46434G103 280,489 3,456 SH SOLE 3,456 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 360,002 6,647 SH SOLE 6,647 0 0
ISHARES SILVER TR ISHARES 46428Q109 505,090 9,266 SH SOLE 9,266 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 6,982,889 76,634 SH SOLE 76,045 0 589
ISHARES TR ISHS 1-5YR INVS 464288646 46,254,624 902,882 SH SOLE 888,568 1,124 13,190
ISHARES TR CORE S&P MCP ETF 464287507 526,531 7,318 SH SOLE 7,318 0 0
ISHARES TR JPMORGAN USD EMG 464288281 511,248 5,628 SH SOLE 5,628 0 0
ISHARES TR CORE S&P500 ETF 464287200 10,244,621 13,377 SH SOLE 13,208 0 169
ISHARES TR CORE MSCI EAFE 46432F842 49,023,965 506,028 SH SOLE 498,228 1,001 6,799
ISHARES TR CORE US AGGBD ET 464287226 320,964 3,395 SH SOLE 1,936 0 1,459
ISHARES TR EAFE SML CP ETF 464288273 657,463 7,788 SH SOLE 7,788 0 0
ISHARES TR 10-20 YR TRS ETF 464288653 24,915,603 270,322 SH SOLE 265,902 399 4,021
ISHARES TR U.S. MED DVC ETF 464288810 271,760 5,313 SH SOLE 5,313 0 0
ISHARES TR S&P SML 600 GWT 464287887 240,804 1,502 SH SOLE 1,502 0 0
ISHARES TR CORE S&P SCP ETF 464287804 29,200,639 214,647 SH SOLE 211,766 400 2,481
ISHARES TR RUS 1000 GRW ETF 464287614 231,481 1,848 SH SOLE 1,848 0 0
ISHARES TR ESG AWR US AGRGT 46435U549 218,513 4,829 SH SOLE 4,829 0 0
ISHARES TR CORE S&P US GWT 464287671 36,866,696 190,280 SH SOLE 187,799 319 2,162
ISHARES TR GLOBAL REIT ETF 46434V647 9,310,014 361,133 SH SOLE 354,597 500 6,036
J P MORGAN EXCHANGE TRADED F INTRNL RES EQT 46641Q134 40,884,176 497,617 SH SOLE 490,586 1,190 5,841
JOHNSON & JOHNSON COM 478160104 13,152,456 49,681 SH SOLE 49,667 0 14
JPMORGAN CHASE & CO COM 46625H100 15,045,705 45,479 SH SOLE 45,464 0 15
KROGER CO COM 501044101 10,080,036 171,956 SH SOLE 171,909 0 47
LOWES COS INC COM 548661107 557,202 3,024 SH SOLE 3,024 0 0
M & T BK CORP COM 55261F104 8,287,099 38,084 SH SOLE 38,074 0 10
MCDONALDS CORP COM 580135101 11,352,685 49,159 SH SOLE 49,157 0 2
MEDTRONIC PLC SHS G5960L103 9,759,132 112,178 SH SOLE 112,147 0 31
MERCK & CO INC COM 58933Y105 12,762,546 87,332 SH SOLE 87,269 0 63
META PLATFORMS INC CL A 30303M102 384,352 530 SH SOLE 528 0 2
MICROSOFT CORP COM 594918104 33,993,713 66,277 SH SOLE 66,138 0 139
MISSION PRODUCE INC COM 60510V108 2,776,043 211,750 SH SOLE 211,750 0 0
NETFLIX INC. COM 64110L106 344,421 4,950 SH SOLE 2,560 0 2,390
NEXTERA ENERGY INC COM 65339F101 13,936,894 184,010 SH SOLE 183,973 0 37
NORFOLK SOUTHN CORP COM 655844108 620,472 2,008 SH SOLE 2,008 0 0
NVIDIA CORPORATION COM 67066G104 1,876,162 8,207 SH SOLE 6,858 0 1,349
PEPSICO INC COM 713448108 6,983,224 55,108 SH SOLE 55,106 0 2
PFIZER INC COM 717081103 4,544,810 159,355 SH SOLE 159,348 0 7
PHILIP MORRIS INTL INC COM 718172109 253,982 1,331 SH SOLE 1,331 0 0
PHILLIPS 66 COM 718546104 9,915,035 38,835 SH SOLE 38,824 0 11
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 364,394 3,624 SH SOLE 3,624 0 0
PNC FINL SVCS GROUP INC COM 693475105 9,675,668 43,533 SH SOLE 43,521 0 12
PROCTER & GAMBLE CO COM 742718109 8,443,654 58,120 SH SOLE 58,105 0 15
PROSHARES TR S&P 500 DV ARIST 74348A467 3,052,647 56,426 SH SOLE 56,176 0 250
PUBLIC SVC ENTERPRISE GROUP COM 744573106 455,758 6,768 SH SOLE 6,768 0 0
QNITY ELECTRONICS INC COMMON STOCK 74743L100 6,022,424 47,896 SH SOLE 47,894 0 2
QUALCOMM INC COM 747525103 4,094,909 22,250 SH SOLE 22,245 0 5
REPUBLIC SVCS INC COM 760759100 16,084,892 76,642 SH SOLE 76,609 0 33
ROYAL BK CDA COM 780087102 327,126 1,664 SH SOLE 1,038 0 626
RTX CORPORATION COM 75513E101 21,199,630 114,191 SH SOLE 114,114 0 77
S&P GLOBAL INC COM 78409V104 2,969,965 7,529 SH SOLE 7,529 0 0
SCHWAB STRATEGIC TR FUND EM EQUI ETF 808524730 1,684,779 40,238 SH SOLE 39,668 0 570
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 277,812 11,722 SH SOLE 6,601 0 5,121
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 3,950,281 125,525 SH SOLE 125,260 0 265
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 2,816,874 80,482 SH SOLE 79,768 0 714
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,161,474 72,049 SH SOLE 72,049 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 6,990,068 214,222 SH SOLE 211,418 0 2,804
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 451,360 16,431 SH SOLE 16,431 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 5,334,028 163,973 SH SOLE 159,860 0 4,113
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 800,252 36,210 SH SOLE 36,210 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 3,208,079 64,380 SH SOLE 63,569 0 811
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 2,936,974 54,641 SH SOLE 53,604 0 1,037
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 480,630 14,429 SH SOLE 14,403 0 26
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 207,683 225 SH SOLE 225 0 0
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 482,667 12,238 SH SOLE 12,238 0 0
SPACE EXPLORATION TECHN CORP CLASS A COM STK 84615Q103 222,760 1,477 SH SOLE 1,467 0 10
SPDR GOLD TR GOLD SHS 78463V107 713,695 1,874 SH SOLE 1,874 0 0
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 460,828 9,178 SH SOLE 9,178 0 0
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 42,710,440 825,163 SH SOLE 815,074 1,421 8,668
SPDR SERIES TRUST ST STR P500GRW 78464A409 346,471 2,815 SH SOLE 2,815 0 0
SPDR SERIES TRUST ST STR P500ETF 78464A854 15,495,493 172,632 SH SOLE 169,701 0 2,931
SPDR SERIES TRUST ST STR AGGRE ETF 78464A649 28,989,553 1,190,047 SH SOLE 1,172,489 1,749 15,809
STARBUCKS CORP COM 855244109 1,484,309 15,797 SH SOLE 15,757 0 40
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,416,287 1,853 SH SOLE 1,825 0 28
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 535,018 1,170 SH SOLE 1,163 0 7
TESLA INC COM 88160R101 1,078,268 3,039 SH SOLE 2,944 0 95
TEXAS INSTRS INC COM 882508104 15,802,986 56,421 SH SOLE 56,416 0 5
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 8,600,014 346,356 SH SOLE 342,233 654 3,469
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 552,889 6,468 SH SOLE 6,468 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 248,544 1,128 SH SOLE 1,128 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 310,481 6,266 SH SOLE 6,266 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 4,144,450 59,080 SH SOLE 59,015 0 65
VANGUARD BD INDEX FDS INTERMED TERM 921937819 7,947,284 109,076 SH SOLE 104,879 0 4,197
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 2,206,412 47,075 SH SOLE 47,012 0 63
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 52,500,682 669,481 SH SOLE 661,155 1,260 7,066
VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 429,688 1,272 SH SOLE 1,272 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,694,119 30,058 SH SOLE 30,004 0 54
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 407,306 1,763 SH SOLE 1,763 0 0
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 7,075,904 18,907 SH SOLE 18,858 0 49
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 421,944 1,483 SH SOLE 1,430 0 53
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 7,475,154 34,594 SH SOLE 32,772 1,024 798
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 32,623,070 362,036 SH SOLE 356,960 870 4,206
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 420,634 600 SH SOLE 600 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 437,550 1,889 SH SOLE 1,889 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 10,343,229 66,623 SH SOLE 65,583 190 850
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,695,250 79,165 SH SOLE 76,484 0 2,681
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 3,508,307 22,226 SH SOLE 22,039 0 187
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 200,603 4,718 SH SOLE 4,718 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,001,380 21,144 SH SOLE 21,144 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 230,467 2,943 SH SOLE 2,943 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,781,182 23,057 SH SOLE 19,592 0 3,465
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,954,507 8,377 SH SOLE 8,174 0 203
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 7,405,417 104,878 SH SOLE 103,509 0 1,369
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 688,037 4,433 SH SOLE 4,433 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733 482,216 3,558 SH SOLE 3,558 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 1,369,438 10,897 SH SOLE 10,895 0 2
VANGUARD WORLD FD ESG INTL STK ETF 921910725 555,979 6,858 SH SOLE 6,858 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 10,594,952 230,978 SH SOLE 230,916 0 62
VISA INC COM CL A 92826C839 404,965 1,127 SH SOLE 1,127 0 0
WALMART INC COM 931142103 23,761,151 228,648 SH SOLE 228,502 0 146
WELLS FARGO & CO COM 949746101 1,165,208 14,556 SH SOLE 14,556 0 0