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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 567 4,028 SH   SOLE   4,028 0 0
ABBVIE INC COM 00287Y109 723 5,341 SH   SOLE   5,341 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 6,160 10,863 SH   SOLE   10,863 0 0
AEGON N V NY REGISTRY SHS 007924103 89 18,011 SH   SOLE   18,011 0 0
ALPHABET INC CAP STK CL A 02079K305 1,086 375 SH   SOLE   375 0 0
ALPHABET INC CAP STK CL C 02079K107 16,617 5,743 SH   SOLE   5,743 0 0
AMAZON COM INC COM 023135106 16,012 4,802 SH   SOLE   4,802 0 0
AMGEN INC COM 031162100 610 2,710 SH   SOLE   2,710 0 0
APPLE INC COM 037833100 22,486 126,631 SH   SOLE   126,631 0 0
ATLASSIAN CORP PLC CL A G06242104 1,032 2,706 SH   SOLE   2,706 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 296 1,200 SH   SOLE   1,200 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 292 977 SH   SOLE   977 0 0
BK OF AMERICA CORP 7.25%CNV PFD L 060505682 217 150 SH   SOLE   150 0 0
BK OF AMERICA CORP COM 060505104 350 7,872 SH   SOLE   7,872 0 0
BOOKING HOLDINGS INC COM 09857L108 4,455 1,857 SH   SOLE   1,857 0 0
CHEVRON CORP NEW COM 166764100 4,821 41,084 SH   SOLE   41,084 0 0
CHEWY INC CL A 16679L109 2,725 46,215 SH   SOLE   46,215 0 0
CISCO SYS INC COM 17275R102 8,828 139,306 SH   SOLE   139,306 0 0
COCA COLA CO COM 191216100 16,267 274,729 SH   SOLE   274,729 0 0
COMCAST CORP NEW CL A 20030N101 3,615 71,819 SH   SOLE   71,819 0 0
CORTEVA INC COM 22052L104 274 5,793 SH   SOLE   5,793 0 0
COSTCO WHSL CORP NEW COM 22160K105 10,829 19,075 SH   SOLE   19,075 0 0
CSX CORP COM 126408103 350 9,300 SH   SOLE   9,300 0 0
D R HORTON INC COM 23331A109 5,182 47,782 SH   SOLE   47,782 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 4,695 21,327 SH   SOLE   21,327 0 0
DIGITAL RLTY TR INC COM 253868103 4,496 25,417 SH   SOLE   25,417 0 0
DISNEY WALT CO COM 254687106 8,284 53,485 SH   SOLE   53,485 0 0
DOCUSIGN INC COM 256163106 6,593 43,287 SH   SOLE   43,287 0 0
DUPONT DE NEMOURS INC COM 26614N102 377 4,665 SH   SOLE   4,665 0 0
ENBRIDGE INC COM 29250N105 323 8,267 SH   SOLE   8,267 0 0
EQUITY RESIDENTIAL SH BEN INT 29476L107 2,823 31,193 SH   SOLE   31,193 0 0
EXXON MOBIL CORP COM 30231G102 1,311 21,430 SH   SOLE   21,430 0 0
FIRST REP BK SAN FRANCISCO C COM 33616C100 10,983 53,185 SH   SOLE   53,185 0 0
GENERAL MLS INC COM 370334104 5,380 79,844 SH   SOLE   79,844 0 0
GLOBAL X FDS US PFD ETF 37954Y657 1,683 65,318 SH   SOLE   65,318 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 283 740 SH   SOLE   740 0 0
HARSCO CORP COM 415864107 629 37,650 SH   SOLE   37,650 0 0
HOME DEPOT INC COM 437076102 5,485 13,215 SH   SOLE   13,215 0 0
ILLUMINA INC COM 452327109 4,807 12,636 SH   SOLE   12,636 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 246 1,510 SH   SOLE   1,510 0 0
IRON MTN INC NEW COM 46284V101 4,582 87,559 SH   SOLE   87,559 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 941 10,999 SH   SOLE   10,999 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,307 11,413 SH   SOLE   11,413 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,865 3,909 SH   SOLE   3,909 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 350 1,195 SH   SOLE   1,195 0 0
J P MORGAN EXCHANGE-TRADED F EQUITY PREMIUM 46641Q332 1,857 29,395 SH   SOLE   29,395 0 0
J P MORGAN EXCHANGE-TRADED F SHORT DURA CORE 46641Q274 7,077 142,317 SH   SOLE   142,317 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 41,818 828,410 SH   SOLE   828,410 0 0
JOHNSON & JOHNSON COM 478160104 865 5,058 SH   SOLE   5,058 0 0
JPMORGAN CHASE & CO COM 46625H100 7,677 48,479 SH   SOLE   48,479 0 0
KIRKLAND LAKE GOLD LTD COM 49741E100 4,742 113,047 SH   SOLE   113,047 0 0
LINDE PLC SHS G5494J103 9,171 26,473 SH   SOLE   26,473 0 0
MASCO CORP COM 574599106 7,536 107,325 SH   SOLE   107,325 0 0
MCDONALDS CORP COM 580135101 242 901 SH   SOLE   901 0 0
MEDTRONIC PLC SHS G5960L103 6,517 62,996 SH   SOLE   62,996 0 0
MERCK & CO INC COM 58933Y105 266 3,470 SH   SOLE   3,470 0 0
META PLATFORMS INC CL A 30303M102 315 936 SH   SOLE   936 0 0
MICROSOFT CORP COM 594918104 24,876 73,965 SH   SOLE   73,965 0 0
NORFOLK SOUTHN CORP COM 655844108 234 785 SH   SOLE   785 0 0
NUCOR CORP COM 670346105 409 3,582 SH   SOLE   3,582 0 0
ORACLE CORP COM 68389X105 867 9,943 SH   SOLE   9,943 0 0
PEPSICO INC COM 713448108 203 1,170 SH   SOLE   1,170 0 0
PFIZER INC COM 717081103 212 3,592 SH   SOLE   3,592 0 0
PROCTER AND GAMBLE CO COM 742718109 7,583 46,359 SH   SOLE   46,359 0 0
PROGYNY INC COM 74340E103 2,852 56,642 SH   SOLE   56,642 0 0
QUALCOMM INC COM 747525103 10,100 55,231 SH   SOLE   55,231 0 0
ROPER TECHNOLOGIES INC COM 776696106 6,060 12,321 SH   SOLE   12,321 0 0
ROYAL DUTCH SHELL PLC SPON ADR B 780259107 1,850 42,668 SH   SOLE   42,668 0 0
SALESFORCE COM INC COM 79466L302 6,576 25,876 SH   SOLE   25,876 0 0
SCHWAB CHARLES CORP COM 808513105 9,170 109,038 SH   SOLE   109,038 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 981 25,233 SH   SOLE   25,233 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 2,106 41,417 SH   SOLE   41,417 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 1,854 23,868 SH   SOLE   23,868 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 2,054 37,012 SH   SOLE   37,012 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1,652 42,316 SH   SOLE   42,316 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 803 15,495 SH   SOLE   15,495 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 2,137 10,451 SH   SOLE   10,451 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 1,617 20,965 SH   SOLE   20,965 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 2,118 15,036 SH   SOLE   15,036 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 1,398 13,209 SH   SOLE   13,209 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 726 8,017 SH   SOLE   8,017 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 4,605 26,485 SH   SOLE   26,485 0 0
SPDR GOLD TR GOLD SHS 78463V107 1,033 6,040 SH   SOLE   6,040 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,495 5,253 SH   SOLE   5,253 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 32,828 1,078,819 SH   SOLE   1,078,819 0 0
STRYKER CORPORATION COM 863667101 4,336 16,216 SH   SOLE   16,216 0 0
TARGET CORP COM 87612E106 2,741 11,842 SH   SOLE   11,842 0 0
TESLA INC COM 88160R101 343 325 SH   SOLE   325 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 8,637 12,945 SH   SOLE   12,945 0 0
TJX COS INC NEW COM 872540109 4,371 57,568 SH   SOLE   57,568 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 9,909 49,046 SH   SOLE   49,046 0 0
US BANCORP DEL COM NEW 902973304 4,095 72,906 SH   SOLE   72,906 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 8,990 179,980 SH   SOLE   179,980 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 215 493 SH   SOLE   493 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 20,623 91,246 SH   SOLE   91,246 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 213 882 SH   SOLE   882 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 16,131 326,138 SH   SOLE   326,138 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,598 31,971 SH   SOLE   31,971 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 17,395 340,676 SH   SOLE   340,676 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 3,705 23,687 SH   SOLE   23,687 0 0
VENTAS INC COM 92276F100 3,677 71,936 SH   SOLE   71,936 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 6,060 116,632 SH   SOLE   116,632 0 0
VISA INC COM CL A 92826C839 6,597 30,440 SH   SOLE   30,440 0 0
WELLS FARGO CO NEW PERP PFD CNV A 949746804 238 160 SH   SOLE   160 0 0
XYLEM INC COM 98419M100 3,190 26,605 SH   SOLE   26,605 0 0
ZOETIS INC CL A 98978V103 7,849 32,163 SH   SOLE   32,163 0 0