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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   491,840 1,419 SH   SOLE   0 0 1,419
LINDE PLC SHS G54950103   373,314 804 SH   SOLE   0 0 804
MEDTRONIC PLC SHS G5960L103   248,378 2,850 SH   SOLE   0 0 2,850
CHUBB LIMITED COM H1467J104   333,242 1,286 SH   SOLE   0 0 1,286
CHECK POINT SOFTWARE TECH LT ORD M22465104   599,621 3,656 SH   SOLE   0 0 3,656
ABBOTT LABS COM 002824100   389,513 3,427 SH   SOLE   0 0 3,427
ABBVIE INC COM 00287Y109   1,496,862 8,220 SH   SOLE   0 0 8,220
AIRBNB INC COM CL A 009066101   223,851 1,357 SH   SOLE   0 0 1,357
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   740,750 10,237 SH   SOLE   0 0 10,237
ALPHABET INC CAP STK CL C 02079K107   4,316,876 28,352 SH   SOLE   0 0 28,352
ALPHABET INC CAP STK CL A 02079K305   266,694 1,767 SH   SOLE   0 0 1,767
AMAZON COM INC COM 023135106   2,275,314 12,614 SH   SOLE   0 0 12,614
AMBEV SA SPONSORED ADR 02319V103   60,165 24,260 SH   SOLE   0 0 24,260
AMERICAN EXPRESS CO COM 025816109   3,340,896 14,673 SH   SOLE   0 0 14,673
AMGEN INC COM 031162100   1,804,011 6,345 SH   SOLE   0 0 6,345
APPLE INC COM 037833100   5,270,849 30,737 SH   SOLE   0 0 30,737
APPLIED MATLS INC COM 038222105   1,527,134 7,405 SH   SOLE   0 0 7,405
BANK AMERICA CORP COM 060505104   1,536,708 40,525 SH   SOLE   0 0 40,525
BANK NEW YORK MELLON CORP COM 064058100   1,283,716 22,279 SH   SOLE   0 0 22,279
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,249,359 7,727 SH   SOLE   0 0 7,727
BIOGEN INC COM 09062X103   343,068 1,591 SH   SOLE   0 0 1,591
BLACKROCK INC COM 09247X101   1,173,016 1,407 SH   SOLE   0 0 1,407
BOOKING HOLDINGS INC COM 09857L108   569,578 157 SH   SOLE   0 0 157
BRISTOL-MYERS SQUIBB CO COM 110122108   242,680 4,475 SH   SOLE   0 0 4,475
THE CIGNA GROUP COM 125523100   1,140,780 3,141 SH   SOLE   0 0 3,141
CVS HEALTH CORP COM 126650100   1,404,973 17,615 SH   SOLE   0 0 17,615
CEMEX SAB DE CV SPON ADR NEW 151290889   216,240 24,000 SH   SOLE   0 0 24,000
CHIPOTLE MEXICAN GRILL INC COM 169656105   374,974 129 SH   SOLE   0 0 129
CISCO SYS INC COM 17275R102   1,777,246 35,609 SH   SOLE   0 0 35,609
COCA COLA CO COM 191216100   1,252,000 20,464 SH   SOLE   0 0 20,464
COMCAST CORP NEW CL A 20030N101   1,484,738 34,250 SH   SOLE   0 0 34,250
CUMMINS INC COM 231021106   676,222 2,295 SH   SOLE   0 0 2,295
DANAHER CORPORATION COM 235851102   384,320 1,539 SH   SOLE   0 0 1,539
DEERE & CO COM 244199105   453,047 1,103 SH   SOLE   0 0 1,103
DIAGEO PLC SPON ADR NEW 25243Q205   439,081 2,952 SH   SOLE   0 0 2,952
DISNEY WALT CO COM 254687106   2,042,801 16,695 SH   SOLE   0 0 16,695
DOVER CORP COM 260003108   334,890 1,890 SH   SOLE   0 0 1,890
EMERSON ELEC CO COM 291011104   510,164 4,498 SH   SOLE   0 0 4,498
EQUITY RESIDENTIAL SH BEN INT 29476L107   275,286 4,362 SH   SOLE   0 0 4,362
ETSY INC COM 29786A106   208,222 3,030 SH   SOLE   0 0 3,030
EXPEDITORS INTL WASH INC COM 302130109   408,962 3,364 SH   SOLE   0 0 3,364
META PLATFORMS INC CL A 30303M102   3,760,332 7,744 SH   SOLE   0 0 7,744
FEDEX CORP COM 31428X106   1,983,271 6,845 SH   SOLE   0 0 6,845
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   284,094 3,125 SH   SOLE   0 0 3,125
GENERAL ELECTRIC CO COM NEW 369604301   1,638,749 9,336 SH   SOLE   0 0 9,336
GENERAL MLS INC COM 370334104   336,206 4,805 SH   SOLE   0 0 4,805
GENERAL MTRS CO COM 37045V100   297,043 6,550 SH   SOLE   0 0 6,550
GOLDMAN SACHS GROUP INC COM 38141G104   2,406,730 5,762 SH   SOLE   0 0 5,762
HOME DEPOT INC COM 437076102   268,520 700 SH   SOLE   0 0 700
HONEYWELL INTL INC COM 438516106   689,435 3,359 SH   SOLE   0 0 3,359
INTEL CORP COM 458140100   1,372,716 31,078 SH   SOLE   0 0 31,078
INTERNATIONAL BUSINESS MACHS COM 459200101   1,615,140 8,458 SH   SOLE   0 0 8,458
INTUIT COM 461202103   305,500 470 SH   SOLE   0 0 470
ISHARES GOLD TR ISHARES NEW 464285204   279,199 6,646 SH   SOLE   0 0 6,646
ISHARES TR CORE S&P MCP ETF 464287507   545,749 8,985 SH   SOLE   0 0 8,985
ISHARES TR CORE MSCI INTL 46435G326   349,076 5,200 SH   SOLE   0 0 5,200
JPMORGAN CHASE & CO COM 46625H100   3,633,843 18,142 SH   SOLE   0 0 18,142
JOHNSON & JOHNSON COM 478160104   1,907,732 12,060 SH   SOLE   0 0 12,060
KELLANOVA COM 487836108   300,257 5,241 SH   SOLE   0 0 5,241
KIMBERLY-CLARK CORP COM 494368103   439,402 3,397 SH   SOLE   0 0 3,397
LOCKHEED MARTIN CORP COM 539830109   893,820 1,965 SH   SOLE   0 0 1,965
LOWES COS INC COM 548661107   905,359 3,554 SH   SOLE   0 0 3,554
MCDONALDS CORP COM 580135101   305,916 1,085 SH   SOLE   0 0 1,085
MCKESSON CORP COM 58155Q103   2,171,559 4,045 SH   SOLE   0 0 4,045
MERCK & CO INC COM 58933Y105   2,720,414 20,617 SH   SOLE   0 0 20,617
MICROSOFT CORP COM 594918104   4,967,442 11,807 SH   SOLE   0 0 11,807
NOVO-NORDISK A S ADR 670100205   920,628 7,170 SH   SOLE   0 0 7,170
NVIDIA CORPORATION COM 67066G104   215,048 238 SH   SOLE   0 0 238
ORACLE CORP COM 68389X105   2,422,013 19,282 SH   SOLE   0 0 19,282
PAYCHEX INC COM 704326107   442,080 3,600 SH   SOLE   0 0 3,600
PAYPAL HLDGS INC COM 70450Y103   657,507 9,815 SH   SOLE   0 0 9,815
PEPSICO INC COM 713448108   620,411 3,545 SH   SOLE   0 0 3,545
PFIZER INC COM 717081103   547,480 19,729 SH   SOLE   0 0 19,729
POLARIS INC COM 731068102   730,476 7,296 SH   SOLE   0 0 7,296
PRICE T ROWE GROUP INC COM 74144T108   561,076 4,602 SH   SOLE   0 0 4,602
PROCTER AND GAMBLE CO COM 742718109   967,173 5,961 SH   SOLE   0 0 5,961
QUALCOMM INC COM 747525103   1,522,007 8,990 SH   SOLE   0 0 8,990
RTX CORPORATION COM 75513E101   1,226,928 12,580 SH   SOLE   0 0 12,580
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,892,991 3,619 SH   SOLE   0 0 3,619
SANOFI SPONSORED ADR 80105N105   255,928 5,266 SH   SOLE   0 0 5,266
SCHWAB CHARLES CORP COM 808513105   1,835,483 25,373 SH   SOLE   0 0 25,373
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   16,336,858 267,598 SH   SOLE   0 0 267,598
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,986,231 32,005 SH   SOLE   0 0 32,005
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   322,520 4,000 SH   SOLE   0 0 4,000
SOUTHERN CO COM 842587107   367,927 5,129 SH   SOLE   0 0 5,129
STARBUCKS CORP COM 855244109   799,572 8,749 SH   SOLE   0 0 8,749
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   787,050 5,785 SH   SOLE   0 0 5,785
TARGET CORP COM 87612E106   1,041,995 5,880 SH   SOLE   0 0 5,880
TESLA INC COM 88160R101   4,085,712 23,242 SH   SOLE   0 0 23,242
TEXAS INSTRS INC COM 882508104   814,432 4,675 SH   SOLE   0 0 4,675
3M CO COM 88579Y101   1,174,688 11,075 SH   SOLE   0 0 11,075
TOAST INC CL A 888787108   228,766 9,180 SH   SOLE   0 0 9,180
UNILEVER PLC SPON ADR NEW 904767704   788,234 15,705 SH   SOLE   0 0 15,705
UNION PAC CORP COM 907818108   218,632 889 SH   SOLE   0 0 889
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   228,869 1,892 SH   SOLE   0 0 1,892
VANGUARD INDEX FDS GROWTH ETF 922908736   391,700 1,138 SH   SOLE   0 0 1,138
VERIZON COMMUNICATIONS INC COM 92343V104   280,935 6,695 SH   SOLE   0 0 6,695
VISA INC COM CL A 92826C839   257,870 924 SH   SOLE   0 0 924
WALMART INC COM 931142103   1,574,710 26,171 SH   SOLE   0 0 26,171
WELLS FARGO CO NEW COM 949746101   2,389,344 41,224 SH   SOLE   0 0 41,224
ZOOM VIDEO COMMUNICATIONS IN CL A 98980L101   580,551 8,881 SH   SOLE   0 0 8,881