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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   892,597 7,853 SH   SOLE   0 0 7,853
ABBVIE INC COM 00287Y109   1,359,487 7,466 SH   SOLE   0 0 7,466
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,185,171 3,419 SH   SOLE   0 0 3,419
AIR PRODS & CHEMS INC COM 009158106   455,655 1,881 SH   SOLE   0 0 1,881
ALPHABET INC CAP STK CL A 02079K305   521,010 3,452 SH   SOLE   0 0 3,452
ALPHABET INC CAP STK CL C 02079K107   520,272 3,417 SH   SOLE   0 0 3,417
AMAZON COM INC COM 023135106   1,019,688 5,653 SH   SOLE   0 0 5,653
AMERICAN EXPRESS CO COM 025816109   400,051 1,757 SH   SOLE   0 0 1,757
AMERICAN TOWER CORP NEW COM 03027X100   266,768 1,350 SH   SOLE   0 0 1,350
AMGEN INC COM 031162100   1,296,977 4,562 SH   SOLE   0 0 4,562
APPLE INC COM 037833100   2,636,193 15,373 SH   SOLE   0 0 15,373
AUTOMATIC DATA PROCESSING IN COM 053015103   947,264 3,793 SH   SOLE   0 0 3,793
BANK AMERICA CORP COM 060505104   1,026,015 27,057 SH   SOLE   0 0 27,057
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   299,831 713 SH   SOLE   0 0 713
BLACKROCK INC COM 09247X101   1,037,035 1,244 SH   SOLE   0 0 1,244
BROADCOM INC COM 11135F101   2,089,684 1,577 SH   SOLE   0 0 1,577
CAMPBELL SOUP CO COM 134429109   590,702 13,289 SH   SOLE   0 0 13,289
CHEVRON CORP NEW COM 166764100   1,493,729 9,470 SH   SOLE   0 0 9,470
CISCO SYS INC COM 17275R102   1,132,276 22,686 SH   SOLE   0 0 22,686
CLOROX CO DEL COM 189054109   1,048,191 6,846 SH   SOLE   0 0 6,846
COMCAST CORP NEW CL A 20030N101   696,462 16,066 SH   SOLE   0 0 16,066
COSTCO WHSL CORP NEW COM 22160K105   244,026 333 SH   SOLE   0 0 333
CROWN CASTLE INC COM 22822V101   636,851 6,018 SH   SOLE   0 0 6,018
CUMMINS INC COM 231021106   1,149,291 3,901 SH   SOLE   0 0 3,901
DOMINION ENERGY INC COM 25746U109   383,293 7,792 SH   SOLE   0 0 7,792
DOW INC COM 260557103   721,063 12,447 SH   SOLE   0 0 12,447
DUKE ENERGY CORP NEW COM NEW 26441C204   729,627 7,544 SH   SOLE   0 0 7,544
EXXON MOBIL CORP COM 30231G102   2,000,191 17,207 SH   SOLE   0 0 17,207
FIDELITY NATL INFORMATION SV COM 31620M106   418,831 5,646 SH   SOLE   0 0 5,646
HERSHEY CO COM 427866108   679,389 3,493 SH   SOLE   0 0 3,493
HOME DEPOT INC COM 437076102   918,718 2,395 SH   SOLE   0 0 2,395
ILLINOIS TOOL WKS INC COM 452308109   610,182 2,274 SH   SOLE   0 0 2,274
INTEL CORP COM 458140100   233,922 5,296 SH   SOLE   0 0 5,296
INTERNATIONAL BUSINESS MACHS COM 459200101   653,275 3,421 SH   SOLE   0 0 3,421
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 MUNI 46138J536   909,897 36,719 SH   SOLE   0 0 36,719
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528   1,094,424 44,964 SH   SOLE   0 0 44,964
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   1,078,645 45,773 SH   SOLE   0 0 45,773
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494   1,150,508 48,637 SH   SOLE   0 0 48,637
INVESCO EXCH TRD SLF IDX FD BULSHS 2028 MUNI 46138J486   1,160,640 49,431 SH   SOLE   0 0 49,431
INVESCO EXCH TRD SLF IDX FD BULSHS 2029 MUNI 46138J478   1,165,044 50,131 SH   SOLE   0 0 50,131
INVESCO EXCH TRD SLF IDX FD INVSC 30 MUNI BD 46138J445   1,106,111 50,005 SH   SOLE   0 0 50,005
INVESCO EXCH TRD SLF IDX FD BULLETSHS 31 MUN 46138J411   1,037,371 48,680 SH   SOLE   0 0 48,680
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   4,421,715 114,939 SH   SOLE   0 0 114,939
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233   5,030,507 119,404 SH   SOLE   0 0 119,404
INVESCO QQQ TR UNIT SER 1 46090E103   513,635 1,157 SH   SOLE   0 0 1,157
ISHARES TR CORE S&P500 ETF 464287200   11,079,476 21,074 SH   SOLE   0 0 21,074
ISHARES TR CORE S&P MCP ETF 464287507   13,365,584 220,046 SH   SOLE   0 0 220,046
ISHARES TR IBONDS DEC24 ETF 46434VBG4   1,853,886 74,007 SH   SOLE   0 0 74,007
ISHARES TR IBONDS DEC25 ETF 46434VBD1   2,355,260 94,932 SH   SOLE   0 0 94,932
ISHARES TR IBONDS DEC2026 46435GAA0   2,448,472 102,661 SH   SOLE   0 0 102,661
ISHARES TR IBONDS 27 ETF 46435UAA9   2,461,516 103,425 SH   SOLE   0 0 103,425
ISHARES TR IBDS DEC28 ETF 46435U515   2,477,008 99,458 SH   SOLE   0 0 99,458
ISHARES TR IBONDS DEC 29 46436E205   2,473,467 108,390 SH   SOLE   0 0 108,390
ISHARES TR IBONDS DEC 2030 46436E726   2,367,159 110,615 SH   SOLE   0 0 110,615
ISHARES TR IBONDS DEC 2031 46436E486   2,375,567 115,938 SH   SOLE   0 0 115,938
ISHARES TR IBONDS DEC 2032 46436E312   411,523 16,587 SH   SOLE   0 0 16,587
ISHARES TR INTL SEL DIV ETF 464288448   1,771,790 63,188 SH   SOLE   0 0 63,188
ISHARES TR MSCI EAFE ETF 464287465   10,675,671 133,680 SH   SOLE   0 0 133,680
ISHARES TR NATIONAL MUN ETF 464288414   5,491,904 51,040 SH   SOLE   0 0 51,040
ISHARES TR RUS 1000 ETF 464287622   1,766,800 6,134 SH   SOLE   0 0 6,134
ISHARES TR RUS 1000 GRW ETF 464287614   278,066 825 SH   SOLE   0 0 825
ISHARES TR RUS 1000 VAL ETF 464287598   2,396,134 13,378 SH   SOLE   0 0 13,378
ISHARES TR SELECT DIVID ETF 464287168   1,519,837 12,338 SH   SOLE   0 0 12,338
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308   942,255 17,630 SH   SOLE   0 0 17,630
JOHNSON & JOHNSON COM 478160104   1,028,446 6,501 SH   SOLE   0 0 6,501
JPMORGAN CHASE & CO COM 46625H100   1,679,962 8,387 SH   SOLE   0 0 8,387
KINDER MORGAN INC DEL COM 49456B101   881,675 48,074 SH   SOLE   0 0 48,074
KROGER CO COM 501044101   891,670 15,608 SH   SOLE   0 0 15,608
LAM RESEARCH CORP COM 512807108   2,219,453 2,284 SH   SOLE   0 0 2,284
LOCKHEED MARTIN CORP COM 539830109   1,048,857 2,306 SH   SOLE   0 0 2,306
MASTERCARD INCORPORATED CL A 57636Q104   245,918 511 SH   SOLE   0 0 511
MCDONALDS CORP COM 580135101   1,409,112 4,998 SH   SOLE   0 0 4,998
MERCK & CO INC COM 58933Y105   1,099,577 8,333 SH   SOLE   0 0 8,333
META PLATFORMS INC CL A 30303M102   489,500 1,008 SH   SOLE   0 0 1,008
METLIFE INC COM 59156R108   1,047,834 14,139 SH   SOLE   0 0 14,139
MICROSOFT CORP COM 594918104   3,196,467 7,598 SH   SOLE   0 0 7,598
NIKE INC CL B 654106103   246,228 2,620 SH   SOLE   0 0 2,620
NORFOLK SOUTHN CORP COM 655844108   1,000,347 3,925 SH   SOLE   0 0 3,925
NVIDIA CORPORATION COM 67066G104   1,015,601 1,124 SH   SOLE   0 0 1,124
OWENS CORNING NEW COM 690742101   767,875 4,604 SH   SOLE   0 0 4,604
OXFORD INDS INC COM 691497309   375,615 3,342 SH   SOLE   0 0 3,342
PEPSICO INC COM 713448108   1,143,222 6,532 SH   SOLE   0 0 6,532
PHILIP MORRIS INTL INC COM 718172109   726,216 7,926 SH   SOLE   0 0 7,926
QUALCOMM INC COM 747525103   1,112,471 6,571 SH   SOLE   0 0 6,571
SALESFORCE INC COM 79466L302   272,267 904 SH   SOLE   0 0 904
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   242,613 3,974 SH   SOLE   0 0 3,974
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   212,541 2,636 SH   SOLE   0 0 2,636
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   332,657 1,809 SH   SOLE   0 0 1,809
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   220,877 5,244 SH   SOLE   0 0 5,244
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   336,381 2,277 SH   SOLE   0 0 2,277
SELECT SECTOR SPDR TR INDL 81369Y704   203,048 1,612 SH   SOLE   0 0 1,612
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   383,217 1,840 SH   SOLE   0 0 1,840
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,006,513 1,924 SH   SOLE   0 0 1,924
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   2,610,174 4,691 SH   SOLE   0 0 4,691
SPDR SER TR PORTFOLIO AGRGTE 78464A649   1,289,387 51,004 SH   SOLE   0 0 51,004
SPDR SER TR PORTFOLIO S&P400 78464A847   2,412,771 45,234 SH   SOLE   0 0 45,234
SPDR SER TR PORTFOLIO S&P600 78468R853   837,196 19,452 SH   SOLE   0 0 19,452
SPDR SER TR S&P DIVID ETF 78464A763   7,866,987 59,944 SH   SOLE   0 0 59,944
STARBUCKS CORP COM 855244109   613,631 6,714 SH   SOLE   0 0 6,714
STELLAR BANCORP INC COM 858927106   389,760 16,000 SH   SOLE   0 0 16,000
STRYKER CORPORATION COM 863667101   385,480 1,077 SH   SOLE   0 0 1,077
TARGET CORP COM 87612E106   358,673 2,024 SH   SOLE   0 0 2,024
TEXAS INSTRS INC COM 882508104   805,379 4,623 SH   SOLE   0 0 4,623
THERMO FISHER SCIENTIFIC INC COM 883556102   591,091 1,017 SH   SOLE   0 0 1,017
TRACTOR SUPPLY CO COM 892356106   265,420 1,014 SH   SOLE   0 0 1,014
UNITED PARCEL SERVICE INC CL B 911312106   772,301 5,196 SH   SOLE   0 0 5,196
VANGUARD BD INDEX FDS INTERMED TERM 921937819   5,250,470 69,635 SH   SOLE   0 0 69,635
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   823,996 4,701 SH   SOLE   0 0 4,701
VANGUARD INDEX FDS GROWTH ETF 922908736   346,265 1,006 SH   SOLE   0 0 1,006
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,607,001 3,343 SH   SOLE   0 0 3,343
VANGUARD INDEX FDS SM CP VAL ETF 922908611   714,688 3,725 SH   SOLE   0 0 3,725
VANGUARD INDEX FDS TOTAL STK MKT 922908769   21,239,824 81,723 SH   SOLE   0 0 81,723
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   812,960 16,066 SH   SOLE   0 0 16,066
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599   243,210 1,044 SH   SOLE   0 0 1,044
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   312,994 1,714 SH   SOLE   0 0 1,714
VANGUARD STAR FDS VG TL INTL STK F 921909768   205,201 3,403 SH   SOLE   0 0 3,403
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   9,874,205 196,815 SH   SOLE   0 0 196,815
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   897,746 7,420 SH   SOLE   0 0 7,420
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   1,684,362 24,482 SH   SOLE   0 0 24,482
VANGUARD WORLD FD ENERGY ETF 92204A306   360,595 2,738 SH   SOLE   0 0 2,738
VERIZON COMMUNICATIONS INC COM 92343V104   469,081 11,179 SH   SOLE   0 0 11,179
VISA INC COM CL A 92826C839   405,615 1,453 SH   SOLE   0 0 1,453
WILLIAMS COS INC COM 969457100   377,473 9,686 SH   SOLE   0 0 9,686
WILLIAMS SONOMA INC COM 969904101   2,033,833 6,405 SH   SOLE   0 0 6,405
WISDOMTREE TR EMER MKT HIGH FD 931142103   492,792 8,190 SH   SOLE   0 0 8,190
WISDOMTREE TR EMER MKT HIGH FD 97717W315   821,723 19,640 SH   SOLE   0 0 19,640
WISDOMTREE TR ITL HIGH DIV FD 97717W802   521,293 13,154 SH   SOLE   0 0 13,154
WISDOMTREE TR US HIGH DIVIDEND 97717W208   6,140,748 70,860 SH   SOLE   0 0 70,860
WISDOMTREE TR US LARGECAP DIVD 97717W307   280,169 3,881 SH   SOLE   0 0 3,881
WISDOMTREE TR US MIDCAP DIVID 97717W505   12,534,174 257,006 SH   SOLE   0 0 257,006
WISDOMTREE TR US SMALLCAP FUND 97717W562   714,061 14,247 SH   SOLE   0 0 14,247
WISDOMTREE TR US S CAP QTY DIV 97717X651   1,465,458 29,522 SH   SOLE   0 0 29,522
ZOETIS INC CL A 98978V103   555,686 3,284 SH   SOLE   0 0 3,284