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
INVESCO QQQ TR UNIT SER 1 46090E103   7,354,143 16,563 SH   SOLE   16,563 0 0
ISHARES TR CORE S&P500 ETF 464287200   73,591,883 139,980 SH   SOLE   139,980 0 0
ISHARES TR CORE S&P MCP ETF 464287507   24,891,495 409,804 SH   SOLE   409,804 0 0
ISHARES TR CORE S&P SCP ETF 464287804   39,481,062 357,230 SH   SOLE   357,230 0 0
ISHARES TR IBOXX INV CP ETF 464287242   2,133,743 19,590 SH   SOLE   19,590 0 0
ISHARES TR PFD AND INCM SEC 464288687   1,715,667 53,232 SH   SOLE   53,232 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,302,472 91,187 SH   SOLE   91,187 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,683,366 68,769 SH   SOLE   68,769 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   4,153,989 51,013 SH   SOLE   51,013 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,755,618 55,963 SH   SOLE   55,963 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   2,369,264 45,423 SH   SOLE   45,423 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   12,573,254 250,613 SH   SOLE   250,613 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   9,810,632 234,873 SH   SOLE   234,873 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   4,991,563 41,256 SH   SOLE   41,256 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   3,146,291 41,728 SH   SOLE   41,728 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   6,450,017 84,127 SH   SOLE   84,127 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   4,874,953 49,029 SH   SOLE   49,029 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   6,112,786 98,498 SH   SOLE   98,498 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   5,483,048 30,026 SH   SOLE   30,026 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   5,253,524 67,954 SH   SOLE   67,954 0 0
ISHARES TR MSCI EAFE ETF 464287465   5,748,191 71,978 SH   SOLE   71,978 0 0
ISHARES TR TIPS BD ETF 464287176   1,279,146 11,909 SH   SOLE   11,909 0 0
AMERICAN TOWER CORP NEW COM 03027X100   469,869 2,378 SH   SOLE   2,378 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   853,758 2,044 SH   SOLE   2,044 0 0
ABBOTT LABS COM 002824100   717,308 6,311 SH   SOLE   6,311 0 0
AIR PRODS & CHEMS INC COM 009158106   384,725 1,588 SH   SOLE   1,588 0 0
ALPHABET INC CAP STK CL C 02079K107   1,490,778 9,791 SH   SOLE   9,791 0 0
AMERICAN EXPRESS CO COM 025816109   449,688 1,975 SH   SOLE   1,975 0 0
AMGEN INC COM 031162100   502,678 1,768 SH   SOLE   1,768 0 0
APPLE INC COM 037833100   3,644,121 21,251 SH   SOLE   21,251 0 0
AT&T INC COM 00206R102   250,131 14,212 SH   SOLE   14,212 0 0
BANK AMERICA CORP COM 060505104   476,768 12,573 SH   SOLE   12,573 0 0
BOEING CO COM 097023105   296,433 1,536 SH   SOLE   1,536 0 0
CANADIAN NATL RY CO COM 136375102   498,522 3,785 SH   SOLE   3,785 0 0
CATERPILLAR INC COM 149123101   607,907 1,659 SH   SOLE   1,659 0 0
SCHWAB CHARLES CORP COM 808513105   471,512 6,518 SH   SOLE   6,518 0 0
CISCO SYS INC COM 17275R102   462,716 9,271 SH   SOLE   9,271 0 0
COLGATE PALMOLIVE CO COM 194162103   316,076 3,510 SH   SOLE   3,510 0 0
COMCAST CORP NEW CL A 20030N101   406,363 9,374 SH   SOLE   9,374 0 0
CONOCOPHILLIPS COM 20825C104   453,371 3,562 SH   SOLE   3,562 0 0
CONSTELLATION BRANDS INC CL A 21036P108   559,010 2,057 SH   SOLE   2,057 0 0
CORTEVA INC COM 22052L104   620,126 10,753 SH   SOLE   10,753 0 0
DEERE & CO COM 244199105   787,389 1,917 SH   SOLE   1,917 0 0
ECOLAB INC COM 278865100   244,523 1,059 SH   SOLE   1,059 0 0
EOG RES INC COM 26875P101   479,656 3,752 SH   SOLE   3,752 0 0
EXXON MOBIL CORP COM 30231G102   540,981 4,654 SH   SOLE   4,654 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   275,296 6,536 SH   SOLE   6,536 0 0
FISERV INC COM 337738108   1,419,841 8,884 SH   SOLE   8,884 0 0
GILEAD SCIENCES INC COM 375558103   285,968 3,904 SH   SOLE   3,904 0 0
HOLOGIC INC COM 436440101   466,824 5,988 SH   SOLE   5,988 0 0
HOWMET AEROSPACE INC COM 443201108   364,184 5,322 SH   SOLE   5,322 0 0
JOHNSON & JOHNSON COM 478160104   631,494 3,992 SH   SOLE   3,992 0 0
JPMORGAN CHASE & CO COM 46625H100   2,233,545 11,151 SH   SOLE   11,151 0 0
KOHLS CORP COM 500255104   224,338 7,696 SH   SOLE   7,696 0 0
LOWES COS INC COM 548661107   791,956 3,109 SH   SOLE   3,109 0 0
MEDTRONIC PLC SHS G5960L103   336,138 3,857 SH   SOLE   3,857 0 0
MERCK & CO INC COM 58933Y105   476,471 3,611 SH   SOLE   3,611 0 0
META PLATFORMS INC CL A 30303M102   955,136 1,967 SH   SOLE   1,967 0 0
MICROSOFT CORP COM 594918104   4,439,858 10,553 SH   SOLE   10,553 0 0
MORGAN STANLEY COM NEW 617446448   475,226 5,047 SH   SOLE   5,047 0 0
NIKE INC CL B 654106103   361,541 3,847 SH   SOLE   3,847 0 0
NVIDIA CORPORATION COM 67066G104   914,403 1,012 SH   SOLE   1,012 0 0
ORACLE CORP COM 68389X105   864,071 6,879 SH   SOLE   6,879 0 0
PAYPAL HLDGS INC COM 70450Y103   454,259 6,781 SH   SOLE   6,781 0 0
PEPSICO INC COM 713448108   519,080 2,966 SH   SOLE   2,966 0 0
PFIZER INC COM 717081103   223,970 8,071 SH   SOLE   8,071 0 0
REGENERON PHARMACEUTICALS COM 75886F107   769,992 800 SH   SOLE   800 0 0
RTX CORPORATION COM 75513E101   508,716 5,216 SH   SOLE   5,216 0 0
SCHLUMBERGER LTD COM STK 806857108   315,158 5,750 SH   SOLE   5,750 0 0
TARGET CORP COM 87612E106   386,849 2,183 SH   SOLE   2,183 0 0
TESLA INC COM 88160R101   338,572 1,926 SH   SOLE   1,926 0 0
TEXAS INSTRS INC COM 882508104   405,387 2,327 SH   SOLE   2,327 0 0
DISNEY WALT CO COM 254687106   511,710 4,182 SH   SOLE   4,182 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   707,914 1,218 SH   SOLE   1,218 0 0
US BANCORP DEL COM NEW 902973304   471,451 10,547 SH   SOLE   10,547 0 0
UNITED PARCEL SERVICE INC CL B 911312106   218,932 1,473 SH   SOLE   1,473 0 0
UNITEDHEALTH GROUP INC COM 91324P102   546,644 1,105 SH   SOLE   1,105 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   2,134,705 9,488 SH   SOLE   9,488 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100   693,897 1,660 SH   SOLE   1,660 0 0
VISA INC COM CL A 92826C839   813,797 2,916 SH   SOLE   2,916 0 0
WINTRUST FINL CORP COM 97650W108   250,536 2,400 SH   SOLE   2,400 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   434,777 1,673 SH   SOLE   1,673 0 0
GENERAL ELECTRIC CO COM 369604137   301,736 1,719 SH   SOLE   1,719 0 0
SALESFORCE INC COM 79466L302   546,642 1,815 SH   SOLE   1,815 0 0
SOUTHWEST AIRLS CO COM 844741108   245,138 8,398 SH   SOLE   8,398 0 0
WELLS FARGO CO NEW COM 949746101   342,775 5,914 SH   SOLE   5,914 0 0
ZOETIS INC CL A 98978V103   433,347 2,561 SH   SOLE   2,561 0 0
ALLSTATE CORP COM 020002101   544,982 3,150 SH   SOLE   3,150 0 0
AMAZON COM INC COM 023135106   1,253,461 6,949 SH   SOLE   6,949 0 0
GENERAL MTRS CO COM 37045V100   370,555 8,171 SH   SOLE   8,171 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   353,746 1,660 SH   SOLE   1,660 0 0
WALMART INC COM 931142103   398,386 6,621 SH   SOLE   6,621 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   221,486 423 SH   SOLE   423 0 0
SPDR GOLD TR GOLD SHS 78463V107   439,212 2,135 SH   SOLE   2,135 0 0
UNITED RENTALS INC COM 911363109   1,093,924 1,517 SH   SOLE   1,517 0 0
LUMEN TECHNOLOGIES INC COM 550241103   92,513 59,303 SH   SOLE   59,303 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   319,671 801 SH   SOLE   801 0 0