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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AbbottLaboratories COM 002824100   1,170,044 10,630 SH   SOLE   0 0 10,630
AmazonComInc COM 023135106   3,239,817 21,323 SH   SOLE   0 0 21,323
AppleComputerInc COM 037833100   6,195,423 32,179 SH   SOLE   0 0 32,179
Bristol-MyersSquibbCo COM 110122108   1,920,585 37,431 SH   SOLE   0 0 37,431
CFIndustriesHoldings,Inc COM 125269100   1,041,371 13,099 SH   SOLE   0 0 13,099
CVS COM 126650100   998,370 12,644 SH   SOLE   0 0 12,644
ChevrontexacoCorp COM 166764100   1,044,567 7,003 SH   SOLE   0 0 7,003
CumminsInc COM 231021106   3,748,552 15,647 SH   SOLE   0 0 15,647
DetroitEdison COM 233331107   2,941,241 26,676 SH   SOLE   0 0 26,676
FIDELITYCOVINGTONTRUST MSCICONSMDIS 316092204   451,379 5,718 SH   SOLE   0 0 5,718
FIDELITYCOVINGTONTRUST MSCIENERGYIDX 316092402   3,892,447 168,943 SH   SOLE   0 0 168,943
FIDELITYCOVINGTONTRUST MSCIHLTHCAREI 316092600   4,490,004 69,408 SH   SOLE   0 0 69,408
FIDELITYCOVINGTONTRUST MSCIINFOTECHI 316092808   2,472,188 17,211 SH   SOLE   0 0 17,211
FiservCorp COM 337738108   4,952,408 37,281 SH   SOLE   0 0 37,281
ISHARESTR CORES&P500ETF 464287200   20,671,349 43,279 SH   SOLE   0 0 43,279
ISHARESTR COREUSAGGBDET 464287226   19,980,315 201,313 SH   SOLE   0 0 201,313
ISHARESTR MSCIEMGMKTETF 464287234   612,358 15,229 SH   SOLE   0 0 15,229
ISHARES TR 20 YR TR BD ETF 464287432   4,863,017 49,181 SH   SOLE   0 0 49,181
ISHARESTR 13YRTREASBD 464287457   5,307,004 64,688 SH   SOLE   0 0 64,688
ISHARESTR CORES&PMCPETF 464287507   12,357,929 44,589 SH   SOLE   0 0 44,589
ISHARESTR CORES&PUSVLU 464287663   4,606,526 54,625 SH   SOLE   0 0 54,625
ISHARESTR CORES&PSCPETF 464287804   3,076,703 28,422 SH   SOLE   0 0 28,422
ISHARESTR SHRTNATMUNETF 464288158   709,333 6,728 SH   SOLE   0 0 6,728
ISHARESTR NATIONALMUNETF 464288414   891,130 8,220 SH   SOLE   0 0 8,220
ISHARESTR MSCIKLD400SOC 464288570   2,182,013 23,965 SH   SOLE   0 0 23,965
ISHARESTR 37YRTREASBD 464288661   10,725,126 91,566 SH   SOLE   0 0 91,566
ISHARESTR 10+ YR INVST GRD 464289511   6,351,358 120,542 SH   SOLE   0 0 120,542
IsunIncCom COM 465246106   4,291 13,700 SH   SOLE   0 0 13,700
Johnson&Johnson COM 478160104   3,056,665 19,502 SH   SOLE   0 0 19,502
KLA Corp COM 482480100   1,243,982 2,140 SH   SOLE   0 0 2,140
Lowes COM 548661107   4,599,107 20,666 SH   SOLE   0 0 20,666
MicrosoftCorp. COM 594918104   6,388,168 16,988 SH   SOLE   0 0 16,988
Procter&GambleCo COM 742718109   732,700 5,000 SH   SOLE   0 0 5,000
SCHWABSTRATEGICTR USBRDMKTETF 808524102   1,189,167 21,361 SH   SOLE   0 0 21,361
SCHWABSTRATEGICTR USLRGCAPETF 808524201   293,054 5,196 SH   SOLE   0 0 5,196
SCHWABSTRATEGICTR USMID-CAPETF 808524508   720,586 9,567 SH   SOLE   0 0 9,567
SCHWABSTRATEGICTR USSMLCAPETF 808524607   978,813 20,720 SH   SOLE   0 0 20,720
SCHWABSTRATEGICTR EMRGMKTEQETF 808524706   393,095 15,857 SH   SOLE   0 0 15,857
SCHWABSTRATEGICTR USAGGREGATEB 808524839   1,526,805 32,750 SH   SOLE   0 0 32,750
TysonFoodsInc CLA 902494103   1,349,555 25,108 SH   SOLE   0 0 25,108
Unilever PLC SPON ADR NEW 904767704   961,019 19,823 SH   SOLE   0 0 19,823
UnionPacificCorp COM 907818108   4,616,182 18,794 SH   SOLE   0 0 18,794
VANGUARDBDINDEXFDS TOTALBNDMRKT 921937835   1,848,679 25,135 SH   SOLE   0 0 25,135
VANGUARDWORLDFDS TOTALSTKMKT 922908769   1,341,716 5,656 SH   SOLE   0 0 5,656
TargetCorporation COM 87612E106   1,056,899 7,421 SH   SOLE   0 0 7,421
AlphabetIncClassC CAPSTKCLC 02079K107   3,501,688 24,847 SH   SOLE   0 0 24,847
AlphabetIncClassA CAPSTKCLA 02079K305   2,172,459 15,552 SH   SOLE   0 0 15,552
AmeripriseFinancialInc COM 03076C106   1,871,422 4,927 SH   SOLE   0 0 4,927
BroadcomInc COM 11135F101   3,748,368 3,358 SH   SOLE   0 0 3,358
CiscoSystems COM 17275R102   2,214,822 43,841 SH   SOLE   0 0 43,841
Conocophillips COM 20825C104   1,264,467 10,894 SH   SOLE   0 0 10,894
CostcoCompaniesInc COM 22160K105   3,720,871 5,637 SH   SOLE   0 0 5,637
MetaPlatformsIncClassA CLA 30303M102   1,233,905 3,486 SH   SOLE   0 0 3,486
FIRSTTREXCHANGE-TRADEDFD NASCLNEDGGREEN 33733E500   258,376 6,127 SH   SOLE   0 0 6,127
ISHARESTR COREHIGHDVETF 46429B663   432,438 4,240 SH   SOLE   0 0 4,240
ISHARESTR COREMSCIEAFE 46432F842   3,546,062 50,406 SH   SOLE   0 0 50,406
ISHARESTR COREMSCIEMKT 46434G103   2,230,629 44,101 SH   SOLE   0 0 44,101
ISHARESTR ESGAWRUSAGRGT 46435U549   1,977,677 41,426 SH   SOLE   0 0 41,426
JPMorganChase&Co COM 46625H100   1,624,795 9,552 SH   SOLE   0 0 9,552
MckessonCorp. COM 58155Q103   1,956,553 4,226 SH   SOLE   0 0 4,226
Merck&Co.Inc. COM 58933Y105   1,604,556 14,718 SH   SOLE   0 0 14,718
MetlifeInc COM 59156R108   1,082,284 16,366 SH   SOLE   0 0 16,366
NvidiaCorp COM 67066G104   4,971,018 10,038 SH   SOLE   0 0 10,038
SELECTSECTORSPDRTR SBIHEALTHCARE 81369Y209   474,057 3,476 SH   SOLE   0 0 3,476
VANGUARDWORLDFDS INFTECHETF 92204A702   4,906,792 10,138 SH   SOLE   0 0 10,138
VerizonCommunications COM 92343V104   776,997 20,610 SH   SOLE   0 0 20,610
AccentureLTD SHSCLASSA G1151C101   3,722,278 10,608 SH   SOLE   0 0 10,608
LyondellbasellIndustriesNV SHS-A- N53745100   896,890 9,433 SH   SOLE   0 0 9,433