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 BBG001S5N9M6 403,517 3,666 SH   SOLE   3,666 0 0
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 3,163,093 20,411 SH   SOLE   20,365 0 46
ADOBE INC COM 00724F101 BBG001S5NCQ5 2,259,325 3,787 SH   SOLE   3,787 0 0
AGNICO EAGLE MINES LTD COM 008474108 BBG001S77MK3 3,628,547 66,154 SH   SOLE   65,999 0 155
AIRBNB INC COM CL A 009066101 BBG001Y2XS16 1,110,767 8,159 SH   SOLE   8,159 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 819,143 5,864 SH   SOLE   5,864 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 12,933,428 91,772 SH   SOLE   91,515 0 257
AMAZON COM INC COM 023135106 BBG001S5PQL7 9,909,071 65,217 SH   SOLE   65,015 0 202
AMGEN INC COM 031162100 BBG001S5NNL6 4,537,180 15,753 SH   SOLE   15,716 0 37
APPLE INC COM 037833100 BBG001S5N8V8 19,258,097 100,026 SH   SOLE   99,803 0 223
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 267,916 1,150 SH   SOLE   1,150 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 449,392 1,260 SH   SOLE   1,260 0 0
BOOKING HOLDINGS INC COM 09857L108 BBG001S89N72 4,416,289 1,245 SH   SOLE   1,241 0 4
CARIBOU BIOSCIENCES INC COM 142038108 BBG008G28LH7 487,165 85,020 SH   SOLE   85,020 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 5,105,300 34,227 SH   SOLE   34,148 0 79
CHUBB LIMITED COM H1467J104 BBG001S8S1L3 2,121,430 9,386 SH   SOLE   9,386 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 5,956,152 117,897 SH   SOLE   117,629 0 268
COCA COLA CO COM 191216100 BBG001S5SMQ8 1,729,242 29,344 SH   SOLE   29,344 0 0
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 3,176,494 72,440 SH   SOLE   72,258 0 182
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 7,492,965 11,351 SH   SOLE   11,343 0 8
CSX CORP COM 126408103 BBG001S5Q7Q3 214,954 6,200 SH   SOLE   6,200 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 BBG001S7V596 2,692,974 18,488 SH   SOLE   18,440 0 48
DISNEY WALT CO COM 254687106 BBG001S5QHF3 1,837,131 20,347 SH   SOLE   20,302 0 45
DUPONT DE NEMOURS INC COM 26614N102 BBG00BN961H3 210,943 2,742 SH   SOLE   2,742 0 0
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 2,430,817 24,975 SH   SOLE   24,879 0 96
ENBRIDGE INC COM 29250N105 BBG001S6Q6D7 287,692 7,987 SH   SOLE   7,987 0 0
ENVIRI CORP COM 415864107 BBG001S5S0V0 338,850 37,650 SH   SOLE   37,650 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 5,107,549 51,086 SH   SOLE   50,937 0 149
GALLAGHER ARTHUR J & CO COM 363576109 BBG001S5NKC2 927,181 4,123 SH   SOLE   4,123 0 0
GENERAL MLS INC COM 370334104 BBG001S5RKR2 4,401,641 67,572 SH   SOLE   67,396 0 176
GLOBAL X FDS US PFD ETF 37954Y657 BBG00HPF2LX6 546,906 28,191 SH   SOLE   28,191 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 BBG001SC07Z6 287,785 746 SH   SOLE   746 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 3,232,403 9,327 SH   SOLE   9,301 0 26
INTEL CORP COM 458140100 BBG001S5SF65 2,508,403 49,918 SH   SOLE   49,772 0 146
INTUIT COM 461202103 BBG001S6TWR2 1,228,184 1,965 SH   SOLE   1,965 0 0
ISHARES INC MSCI EMRG CHN 46434G764 BBG00H5VLN77 5,254,088 94,822 SH   SOLE   94,667 0 155
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 1,355,203 12,519 SH   SOLE   12,453 0 66
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 9,789,027 20,495 SH   SOLE   20,495 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 20,529,332 400,377 SH   SOLE   399,806 0 571
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 290,053 1,150 SH   SOLE   1,150 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 1,815,330 33,018 SH   SOLE   33,018 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 1,347,270 26,822 SH   SOLE   26,822 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 665,048 4,243 SH   SOLE   4,243 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 7,697,346 45,252 SH   SOLE   45,138 0 114
LINDE PLC SHS G54950103 BBG01FND0CH6 5,604,960 13,647 SH   SOLE   13,614 0 33
MASCO CORP COM 574599106 BBG001S5SZ70 2,885,166 43,075 SH   SOLE   42,966 0 109
MCDONALDS CORP COM 580135101 BBG001S5T110 263,894 890 SH   SOLE   890 0 0
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 2,800,964 33,997 SH   SOLE   33,906 0 91
MERCK & CO INC COM 58933Y105 BBG001S5TC52 3,737,821 34,283 SH   SOLE   34,199 0 84
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 373,428 1,055 SH   SOLE   1,055 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 29,336,167 78,013 SH   SOLE   77,842 0 171
NUCOR CORP COM 670346105 BBG001S5TRV0 624,978 3,591 SH   SOLE   3,591 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 53,848,893 108,737 SH   SOLE   108,737 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 900,162 8,538 SH   SOLE   8,538 0 0
PALO ALTO NETWORKS INC COM 697435105 BBG001T9NWN5 220,276 747 SH   SOLE   747 0 0
PFIZER INC COM 717081103 BBG001S5V466 1,746,963 60,679 SH   SOLE   60,365 0 314
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 6,724,607 45,889 SH   SOLE   45,789 0 100
QUALCOMM INC COM 747525103 BBG001S6VS70 7,630,953 52,762 SH   SOLE   52,628 0 134
ROPER TECHNOLOGIES INC COM 776696106 BBG001S9B362 5,401,677 9,908 SH   SOLE   9,882 0 26
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 2,585,856 37,585 SH   SOLE   37,434 0 151
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 2,588,161 70,026 SH   SOLE   69,199 0 827
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 845,017 17,441 SH   SOLE   17,441 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 BBG00L5F9FV7 1,839,897 25,322 SH   SOLE   24,926 0 396
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 1,320,061 15,745 SH   SOLE   15,538 0 207
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 BBG001S7T223 1,835,444 48,815 SH   SOLE   47,953 0 862
SELECT SECTOR SPDR TR INDL 81369Y704 BBG001S7T232 14,124,501 123,910 SH   SOLE   123,381 0 529
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 BBG00B597137 3,265,732 81,521 SH   SOLE   81,193 0 328
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 BBG001S7T1Q9 1,871,426 10,466 SH   SOLE   10,288 0 178
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 1,715,755 23,820 SH   SOLE   23,412 0 408
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 2,987,268 21,904 SH   SOLE   21,571 0 333
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 BBG001S7R733 937,006 10,954 SH   SOLE   10,822 0 132
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 7,729,612 40,158 SH   SOLE   39,702 0 456
SHELL PLC SPON ADS 780259305 BBG0147BN6H1 5,256,253 79,882 SH   SOLE   79,664 0 218
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 1,383,115 7,235 SH   SOLE   7,235 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 5,889,600 12,391 SH   SOLE   12,391 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 BBG0029J2KF1 17,279,601 594,823 SH   SOLE   582,844 0 11,979
STRYKER CORPORATION COM 863667101 BBG001S8FR03 3,661,498 12,227 SH   SOLE   12,195 0 32
TE CONNECTIVITY LTD SHS H84989104 BBG001STLRP3 1,642,586 11,691 SH   SOLE   11,683 0 8
TESLA INC COM 88160R101 BBG001SQKGD7 234,814 945 SH   SOLE   945 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 4,312,166 8,124 SH   SOLE   8,105 0 19
TJX COS INC NEW COM 872540109 BBG001S5WQ93 4,280,457 45,629 SH   SOLE   45,507 0 122
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 6,558,237 12,457 SH   SOLE   12,427 0 30
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 BBG00ZXBYMT4 480,804 9,725 SH   SOLE   9,725 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 17,419,890 81,657 SH   SOLE   81,377 0 280
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 264,250 1,114 SH   SOLE   1,114 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 10,591,863 257,710 SH   SOLE   256,888 0 822
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 263,368 3,404 SH   SOLE   3,404 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 20,279,486 423,371 SH   SOLE   421,919 0 1,452
VANGUARD WORLD FDS UTILITIES ETF 92204A876 BBG001SHVTP4 4,593,561 33,513 SH   SOLE   33,385 0 128
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 1,970,671 52,272 SH   SOLE   52,143 0 129
VISA INC COM CL A 92826C839 BBG001SRCFY3 7,572,579 29,086 SH   SOLE   29,000 0 86
WALMART INC COM 931142103 BBG001S5XH92 291,338 1,848 SH   SOLE   1,848 0 0
XYLEM INC COM 98419M100 BBG001V05C73 2,514,319 21,986 SH   SOLE   21,929 0 57
ZOETIS INC CL A 98978V103 BBG0039320P7 259,937 1,317 SH   SOLE   1,317 0 0