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
ISHARES TR RUS 1000 ETF 464287622 13,935,835 33,489 SH SOLE 0 0 33,489
VISA INC COM CL A 92826C839 9,711,740 27,027 SH SOLE 0 0 27,027
APPLE INC COM 037833100 5,914,211 17,759 SH SOLE 0 0 17,759
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 5,856,147 68,509 SH SOLE 0 0 68,509
MICROSOFT CORP COM 594918104 4,781,609 9,323 SH SOLE 0 0 9,323
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 4,497,080 63,689 SH SOLE 0 0 63,689
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 4,326,590 85,896 SH SOLE 0 0 85,896
CHEVRON CORPORATION COM 166764100 3,771,484 18,469 SH SOLE 0 0 18,469
AMAZON COM INC COM 023135106 3,550,194 14,249 SH SOLE 0 0 14,249
VERIZON COMMUNICATIONS INC COM 92343V104 3,491,696 76,122 SH SOLE 0 0 76,122
MICRON TECHNOLOGY INC COM 595112103 3,364,144 3,158 SH SOLE 0 0 3,158
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 3,179,099 19,534 SH SOLE 0 0 19,534
JOHNSON & JOHNSON COM 478160104 3,056,341 11,545 SH SOLE 0 0 11,545
ISHARES TR RUS 1000 GRW ETF 464287614 2,902,705 23,173 SH SOLE 0 0 23,173
ISHARES GOLD TR ISHARES NEW 464285204 2,818,551 36,089 SH SOLE 0 0 36,089
NVIDIA CORPORATION COM 67066G104 2,644,318 11,579 SH SOLE 0 0 11,579
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 2,621,995 9,216 SH SOLE 0 0 9,216
ALPHABET INC CAP STK CL C 02079K107 2,600,620 7,632 SH SOLE 0 0 7,632
ELI LILLY & CO COM 532457108 2,377,350 2,055 SH SOLE 0 0 2,055
ISHARES TR U.S. INSRNCE ETF 464288786 2,363,830 17,436 SH SOLE 0 0 17,436
JPMORGAN CHASE & CO COM 46625H100 2,182,595 6,597 SH SOLE 0 0 6,597
AMERICAN ELEC PWR CO INC COM 025537101 2,112,588 17,807 SH SOLE 0 0 17,807
NEXTERA ENERGY INC COM 65339F101 1,991,713 26,297 SH SOLE 0 0 26,297
INVESCO EXCHANGE TRADED FD T AEROSPACE DEFN 46137V100 1,953,939 12,637 SH SOLE 0 0 12,637
ISHARES TR GLB CNSM STP ETF 464288737 1,898,839 29,021 SH SOLE 0 0 29,021
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,827,573 3,670 SH SOLE 0 0 3,670
INVESCO QQQ TR UNIT SER 1 46090E103 1,754,782 2,372 SH SOLE 0 0 2,372
COSTCO WHOLESALE CORPORATION COM 22160K105 1,742,486 1,914 SH SOLE 0 0 1,914
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,691,165 10,897 SH SOLE 0 0 10,897
ISHARES TR CORE S&P TTL STK 464287150 1,588,146 9,551 SH SOLE 0 0 9,551
ISHARES TR CORE UNIVRSL USD 46434V613 1,515,501 34,373 SH SOLE 0 0 34,373
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,425,726 43,828 SH SOLE 0 0 43,828
META PLATFORMS INC CL A 30303M102 1,381,683 1,905 SH SOLE 0 0 1,905
RTX CORPORATION COM 75513E101 1,316,849 7,093 SH SOLE 0 0 7,093
SPDR SERIES TRUST ST STR SP HOME 78464A888 1,306,367 13,604 SH SOLE 0 0 13,604
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,273,410 17,477 SH SOLE 0 0 17,477
ALPHABET INC CAP STK CL A 02079K305 1,251,839 3,638 SH SOLE 0 0 3,638
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,236,861 14,907 SH SOLE 0 0 14,907
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464 1,175,387 8,009 SH SOLE 0 0 8,009
CONSTELLATION ENERGY CORP COM 21037T109 1,137,456 4,478 SH SOLE 0 0 4,478
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,125,041 14,564 SH SOLE 0 0 14,564
PEPSICO INC COM 713448108 1,074,040 8,476 SH SOLE 0 0 8,476
CISCO SYS INC COM 17275R102 1,025,035 9,524 SH SOLE 0 0 9,524
MASTERCARD INCORPORATED CL A 57636Q104 1,011,182 1,834 SH SOLE 0 0 1,834
CATERPILLAR INC COM 149123101 985,942 1,216 SH SOLE 0 0 1,216
WINCHESTER BANCORP INC COM 97269D103 903,700 70,000 SH SOLE 0 0 70,000
CONSOLIDATED EDISON INC COM 209115104 869,085 8,503 SH SOLE 0 0 8,503
AFLAC INC COM 001055102 849,741 7,602 SH SOLE 0 0 7,602
QUALCOMM INC COM 747525103 823,470 4,474 SH SOLE 0 0 4,474
ALTRIA GROUP INC COM 02209S103 796,467 11,828 SH SOLE 0 0 11,828
DUKE ENERGY CORP NEW COM NEW 26441C204 787,727 6,909 SH SOLE 0 0 6,909
ABBVIE INC COM 00287Y109 742,216 2,837 SH SOLE 0 0 2,837
EATON CORP PLC SHS G29183103 668,823 1,556 SH SOLE 0 0 1,556
SOUTHERN CO COM 842587107 666,699 8,043 SH SOLE 0 0 8,043
ISHARES TR RUS 2000 GRW ETF 464287648 602,090 1,687 SH SOLE 0 0 1,687
PROCTER & GAMBLE CO COM 742718109 591,521 4,072 SH SOLE 0 0 4,072
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 573,470 19,566 SH SOLE 0 0 19,566
HOME DEPOT INC COM 437076102 569,300 2,001 SH SOLE 0 0 2,001
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 568,261 11,239 SH SOLE 0 0 11,239
INTERNATIONAL BUSINESS MACHS COM 459200101 552,729 2,513 SH SOLE 0 0 2,513
EMERSON ELEC CO COM 291011104 544,556 3,511 SH SOLE 0 0 3,511
BP PLC SPONSORED ADR 055622104 532,482 12,105 SH SOLE 0 0 12,105
INVESCO EXCHANGE TRADED FD T S&P SMLCP MOMENT 46137V498 516,080 6,326 SH SOLE 0 0 6,326
UNITED PARCEL SVCS INC CL B 911312106 510,637 5,465 SH SOLE 0 0 5,465
ISHARES TR NATIONAL MUN ETF 464288414 502,710 4,972 SH SOLE 0 0 4,972
PFIZER INC COM 717081103 489,930 17,178 SH SOLE 0 0 17,178
CROWDSTRIKE HLDGS INC CL A 22788C105 487,811 1,843 SH SOLE 0 0 1,843
KRAFT HEINZ CO COM 500754106 483,144 21,265 SH SOLE 0 0 21,265
BROADCOM INC COM 11135F101 458,416 1,305 SH SOLE 0 0 1,305
COCA COLA CO COM 191216100 450,403 5,232 SH SOLE 0 0 5,232
ISHARES TR RUSSELL 2000 ETF 464287655 448,113 1,613 SH SOLE 0 0 1,613
GOLDMAN SACHS GROUP INC COM 38141G104 445,438 495 SH SOLE 0 0 495
UNION PAC CORP COM 907818108 430,782 1,583 SH SOLE 0 0 1,583
ADVANCED MICRO DEVICES INC COM 007903107 413,309 676 SH SOLE 0 0 676
AUTOMATIC DATA PROCESSING IN COM 053015103 412,896 1,600 SH SOLE 0 0 1,600
WELLS FARGO & CO COM 949746101 383,039 4,785 SH SOLE 0 0 4,785
SEI INVTS CO COM 784117103 382,657 3,727 SH SOLE 0 0 3,727
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 379,725 4,849 SH SOLE 0 0 4,849
ISHARES TR ESG AWR MSCI USA 46435G425 370,296 2,220 SH SOLE 0 0 2,220
PARKER-HANNIFIN CORP COM 701094104 358,121 375 SH SOLE 0 0 375
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 351,827 2,107 SH SOLE 0 0 2,107
AT&T INC COM 00206R102 347,924 14,259 SH SOLE 0 0 14,259
SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308 345,290 4,284 SH SOLE 0 0 4,284
ISHARES TR CORE US AGGBD ET 464287226 326,181 3,450 SH SOLE 0 0 3,450
GE VERNOVA INC COM 36828A101 325,854 343 SH SOLE 0 0 343
UNITED RENTALS INC COM 911363109 325,568 325 SH SOLE 0 0 325
GE AEROSPACE COM NEW 369604301 322,618 1,033 SH SOLE 0 0 1,033
COLGATE PALMOLIVE CO COM 194162103 310,565 3,640 SH SOLE 0 0 3,640
MARSH & MCLENNAN COS INC COM 571748102 305,095 1,787 SH SOLE 0 0 1,787
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 300,434 3,334 SH SOLE 0 0 3,334
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 295,537 13,373 SH SOLE 0 0 13,373
PHILIP MORRIS INTL INC COM 718172109 292,022 1,530 SH SOLE 0 0 1,530
CARRIER GLOBAL CORPORATION COM 14448C104 280,425 5,112 SH SOLE 0 0 5,112
TESLA INC COM 88160R101 268,805 758 SH SOLE 0 0 758
ORACLE CORP COM 68389X105 267,562 1,949 SH SOLE 0 0 1,949
ASTRAZENECA PLC ORD G0593M107 266,748 1,652 SH SOLE 0 0 1,652
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 263,927 346 SH SOLE 0 0 346
L3HARRIS TECHNOLOGIES INC COM 502431109 252,755 1,067 SH SOLE 0 0 1,067
GSK PLC SPONSORED ADR 37733W204 241,284 5,009 SH SOLE 0 0 5,009
ISHARES TR MSCI EAFE ETF 464287465 240,921 2,319 SH SOLE 0 0 2,319
SHELL PLC SPON ADS 780259305 231,304 2,434 SH SOLE 0 0 2,434
ISHARES TR RUSEL 2500 ETF 46435G268 230,675 2,697 SH SOLE 0 0 2,697
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 228,358 5,790 SH SOLE 0 0 5,790
BECTON DICKINSON & CO COM 075887109 217,359 1,214 SH SOLE 0 0 1,214
AMGEN INC COM 031162100 216,666 514 SH SOLE 0 0 514
BANK OF NY MELLON CORP COM 064058100 211,640 1,463 SH SOLE 0 0 1,463
LAM RESEARCH CORP COM NEW 512807306 207,112 630 SH SOLE 0 0 630
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 206,917 887 SH SOLE 0 0 887
SELECT SECTOR SPDR TR ST STR DISCR ETF 81369Y407 206,252 1,895 SH SOLE 0 0 1,895
CUMMINS INC COM 231021106 202,654 392 SH SOLE 0 0 392