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
AbbottLaboratories COM 002824100 1,129,034 11,424 SH SOLE 0 0 1,129,034
AmazonComInc COM 023135106 6,731,784 27,019 SH SOLE 0 0 6,731,784
AppleComputerInc COM 037833100 10,207,520 30,651 SH SOLE 0 0 10,207,520
CFIndustriesHoldings,Inc COM 125269100 1,568,102 13,612 SH SOLE 0 0 1,568,102
ChevrontexacoCorp COM 166764100 1,561,185 7,645 SH SOLE 0 0 1,561,185
CumminsInc COM 231021106 5,933,065 11,486 SH SOLE 0 0 5,933,065
DetroitEdison COM 233331107 4,029,692 33,085 SH SOLE 0 0 4,029,692
FIDELITYCOVINGTONTRUST MSCICONSMDIS 316092204 416,061 4,393 SH SOLE 0 0 416,061
FIDELITYCOVINGTONTRUST MSCIENERGYIDX 316092402 5,544,430 163,553 SH SOLE 0 0 5,544,430
FIDELITYCOVINGTONTRUST MSCIHLTHCAREI 316092600 220,529 2,699 SH SOLE 0 0 220,529
FIDELITYCOVINGTONTRUST MSCIINFOTECHI 316092808 4,423,184 14,741 SH SOLE 0 0 4,423,184
FIDELITYMERRIMACKSTRTR TOTALBDETF 316188309 2,338,590 54,009 SH SOLE 0 0 2,338,590
ISHARESTR CORES&P500ETF 464287200 32,627,125 42,603 SH SOLE 0 0 32,627,125
ISHARESTR COREUSAGGBDET 464287226 29,484,007 311,868 SH SOLE 0 0 29,484,007
ISHARESTR 13YRTREASBD 464287457 8,536,637 105,131 SH SOLE 0 0 8,536,637
ISHARESTR CORES&PMCPETF 464287507 19,384,504 269,416 SH SOLE 0 0 19,384,504
ISHARESTR CORES&PUSVLU 464287663 5,705,005 51,732 SH SOLE 0 0 5,705,005
ISHARESTR CORES&PSCPETF 464287804 4,164,184 30,610 SH SOLE 0 0 4,164,184
ISHARESTR SPSMCP600VLETF 464287879 5,438,806 42,458 SH SOLE 0 0 5,438,806
ISHARESTR NATIONALMUNETF 464288414 594,771 5,883 SH SOLE 0 0 594,771
ISHARESTR MSCIKLD400SOC 464288570 3,508,174 23,999 SH SOLE 0 0 3,508,174
ISHARESTR ISHS1-5YRINVS 464288646 4,245,174 82,865 SH SOLE 0 0 4,245,174
ISHARESTR 37YRTREASBD 464288661 12,142,901 107,043 SH SOLE 0 0 12,142,901
ISHARESTR 10+YRINVSTGRD 464289511 11,229,255 245,932 SH SOLE 0 0 11,229,255
Johnson&Johnson COM 478160104 6,015,555 22,723 SH SOLE 0 0 6,015,555
KLACorp COM 482480100 2,758,065 14,149 SH SOLE 0 0 2,758,065
Lowes COM 548661107 4,439,085 24,088 SH SOLE 0 0 4,439,085
MicrosoftCorp. COM 594918104 8,732,351 17,025 SH SOLE 0 0 8,732,351
PALO ALTO NETWORKS INC COM 697435105 223,288 562 SH SOLE 0 0 223,288
SCHWABSTRATEGICTR USBRDMKTETF 808524102 1,955,651 66,723 SH SOLE 0 0 1,955,651
SCHWABSTRATEGICTR USLRGCAPETF 808524201 314,910 10,497 SH SOLE 0 0 314,910
SCHWABSTRATEGICTR USMID-CAPETF 808524508 808,826 23,775 SH SOLE 0 0 808,826
SCHWABSTRATEGICTR USSMLCAPETF 808524607 1,100,349 33,722 SH SOLE 0 0 1,100,349
SCHWABSTRATEGICTR USAGGREGATEB 808524839 1,791,448 81,061 SH SOLE 0 0 1,791,448
UnileverPLC SPONADRNEW 904767704 1,160,247 19,105 SH SOLE 0 0 1,160,247
UnionPacificCorp COM 907818108 5,732,827 21,067 SH SOLE 0 0 5,732,827
UnitedRentalsInc COM 911363109 4,553,549 4,550 SH SOLE 0 0 4,553,549
VANGUARDBDINDEXFDS TOTALBNDMRKT 921937835 1,714,843 24,445 SH SOLE 0 0 1,714,843
VANGUARDWHITEHALLFDS HIGHDIVYLD 921946406 222,246 1,432 SH SOLE 0 0 222,246
VANGUARDWORLDFDS TOTALSTKMKT 922908769 1,468,892 3,925 SH SOLE 0 0 1,468,892
TargetCorporation COM 87612E106 1,293,946 8,258 SH SOLE 0 0 1,293,946
ABBVIEINC COM 00287Y109 1,536,841 5,875 SH SOLE 0 0 1,536,841
AlphabetIncClassC CAPSTKCLC 02079K107 6,147,972 18,043 SH SOLE 0 0 6,147,972
AlphabetIncClassA CAPSTKCLA 02079K305 3,449,402 10,025 SH SOLE 0 0 3,449,402
AmeripriseFinancialInc COM 03076C106 2,128,921 4,324 SH SOLE 0 0 2,128,921
BroadcomInc COM 11135F101 5,090,850 14,496 SH SOLE 0 0 5,090,850
CboeGlobalMarkets,Inc. COM 12503M108 1,165,303 4,233 SH SOLE 0 0 1,165,303
Conocophillips COM 20825C104 1,496,794 11,960 SH SOLE 0 0 1,496,794
CostcoCompaniesInc COM 22160K105 4,623,162 5,079 SH SOLE 0 0 4,623,162
MetaPlatformsIncClassA CLA 30303M102 1,991,344 2,746 SH SOLE 0 0 1,991,344
GLOBALXFDS USINFRDEVETF 37954Y673 280,875 5,350 SH SOLE 0 0 280,875
ISHARESTR COREHIGHDVETF 46429B663 533,113 19,067 SH SOLE 0 0 533,113
ISHARESTR COREMSCIEAFE 46432F842 5,427,605 56,024 SH SOLE 0 0 5,427,605
ISHARESINC MSCIEMRGCHN 46434G764 7,355,699 74,240 SH SOLE 0 0 7,355,699
ISHARESINC ESGAWRMSCIEM 46434G863 223,627 4,129 SH SOLE 0 0 223,627
ISHARESTR ESGAWRE15YR 46435G243 731,312 29,935 SH SOLE 0 0 731,312
ISHARESTR ESGAWRUSAGRGT 46435U549 2,656,944 58,717 SH SOLE 0 0 2,656,944
ISHARESTR ESGSCRNDS&PSM 46436E544 635,598 13,166 SH SOLE 0 0 635,598
ISHARESTR ESGSCRDS&PMID 46436E551 1,170,622 23,998 SH SOLE 0 0 1,170,622
JPMorganChase&Co COM 46625H100 2,548,383 7,703 SH SOLE 0 0 2,548,383
MASTERCARDINCORPORATED CLA 57636Q104 3,711,945 6,731 SH SOLE 0 0 3,711,945
MckessonCorp. COM 58155Q103 2,699,747 3,162 SH SOLE 0 0 2,699,747
Merck&Co.Inc. COM 58933Y105 2,370,566 16,314 SH SOLE 0 0 2,370,566
MetlifeInc COM 59156R108 1,563,056 16,600 SH SOLE 0 0 1,563,056
NvidiaCorp COM 67066G104 9,630,099 42,167 SH SOLE 0 0 9,630,099
SELECTSECTORSPDRTR SBIHEALTHCARE 81369Y209 585,428 3,476 SH SOLE 0 0 585,428
VANGUARDWORLDFDS INFTECHETF 92204A702 6,556,958 52,176 SH SOLE 0 0 6,556,958
VerizonCommunications COM 92343V104 1,066,250 23,245 SH SOLE 0 0 1,066,250
VERTIVHOLDINGSCO COMCLA 92537N108 2,135,835 8,851 SH SOLE 0 0 2,135,835
AccentureLTD SHSCLASSA G1151C101 894,800 4,880 SH SOLE 0 0 894,800