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 662,752 5,831 SH   SOLE   5,831 0 0
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 4,732,597 25,989 SH   SOLE   25,943 0 46
ADOBE INC COM 00724F101 BBG001S5NCQ5 4,094,325 8,114 SH   SOLE   8,107 0 7
AGILENT TECHNOLOGIES INC COM 00846U101 BBG001SCTQY4 205,170 1,410 SH   SOLE   1,410 0 0
AGNICO EAGLE MINES LTD COM 008474108 BBG001S77MK3 4,009,554 67,218 SH   SOLE   67,063 0 155
AIRBNB INC COM CL A 009066101 BBG001Y2XS16 1,429,214 8,664 SH   SOLE   8,664 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 617,908 4,094 SH   SOLE   4,094 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 13,806,328 90,676 SH   SOLE   90,437 0 239
AMAZON COM INC COM 023135106 BBG001S5PQL7 11,261,485 62,432 SH   SOLE   62,261 0 171
AMGEN INC COM 031162100 BBG001S5NNL6 5,303,706 18,654 SH   SOLE   18,617 0 37
APPLE INC COM 037833100 BBG001S5N8V8 15,526,395 90,543 SH   SOLE   90,328 0 215
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 336,400 1,347 SH   SOLE   1,347 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 526,071 1,251 SH   SOLE   1,251 0 0
BOOKING HOLDINGS INC COM 09857L108 BBG001S89N72 4,161,179 1,147 SH   SOLE   1,143 0 4
CARIBOU BIOSCIENCES INC COM 142038108 BBG008G28LH7 437,003 85,020 SH   SOLE   85,020 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 5,888,592 37,331 SH   SOLE   37,252 0 79
CHUBB LIMITED COM H1467J104 BBG001S8S1L3 2,504,945 9,666 SH   SOLE   9,666 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 5,994,686 120,110 SH   SOLE   119,842 0 268
COCA COLA CO COM 191216100 BBG001S5SMQ8 2,126,115 34,751 SH   SOLE   34,751 0 0
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 3,048,936 70,333 SH   SOLE   70,151 0 182
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 7,944,414 10,844 SH   SOLE   10,836 0 8
CSX CORP COM 126408103 BBG001S5Q7Q3 229,834 6,200 SH   SOLE   6,200 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 BBG001S7V596 2,434,399 16,365 SH   SOLE   16,317 0 48
DISNEY WALT CO COM 254687106 BBG001S5QHF3 2,692,777 22,007 SH   SOLE   21,962 0 45
ELI LILLY & CO COM 532457108 BBG001S5STL8 253,615 326 SH   SOLE   326 0 0
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 2,843,326 25,069 SH   SOLE   24,973 0 96
ENBRIDGE INC COM 29250N105 BBG001S6Q6D7 288,970 7,987 SH   SOLE   7,987 0 0
ENVIRI CORP COM 415864107 BBG001S5S0V0 344,498 37,650 SH   SOLE   37,650 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 6,352,017 54,646 SH   SOLE   54,497 0 149
GALLAGHER ARTHUR J & CO COM 363576109 BBG001S5NKC2 3,319,532 13,276 SH   SOLE   13,231 0 45
GENERAL MLS INC COM 370334104 BBG001S5RKR2 2,755,209 39,377 SH   SOLE   39,264 0 113
GLOBAL X FDS US PFD ETF 37954Y657 BBG00HPF2LX6 583,229 28,930 SH   SOLE   28,930 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 BBG001SC07Z6 309,091 740 SH   SOLE   740 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 3,641,660 9,493 SH   SOLE   9,473 0 20
INTEL CORP COM 458140100 BBG001S5SF65 2,194,695 49,687 SH   SOLE   49,569 0 118
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 266,390 1,395 SH   SOLE   1,395 0 0
INTUIT COM 461202103 BBG001S6TWR2 1,277,250 1,965 SH   SOLE   1,965 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 380,517 857 SH   SOLE   857 0 0
ISHARES INC MSCI EMRG CHN 46434G764 BBG00H5VLN77 11,086,198 192,569 SH   SOLE   192,202 0 367
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 1,370,698 12,402 SH   SOLE   12,336 0 66
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 5,836,531 11,102 SH   SOLE   11,102 0 0
ISHARES TR CYBERSECURITY 46435U135 BBG00PC1B2X5 3,054,105 65,189 SH   SOLE   65,086 0 103
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 19,952,074 389,081 SH   SOLE   388,510 0 571
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 345,270 1,275 SH   SOLE   1,275 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 207,146 985 SH   SOLE   985 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 1,954,569 33,781 SH   SOLE   33,781 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 1,316,695 26,099 SH   SOLE   26,099 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 671,833 4,247 SH   SOLE   4,247 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 8,940,969 44,638 SH   SOLE   44,524 0 114
LAM RESEARCH CORP COM 512807108 BBG001S5SW40 437,207 450 SH   SOLE   450 0 0
LINDE PLC SHS G54950103 BBG01FND0CH6 6,156,419 13,259 SH   SOLE   13,226 0 33
MASCO CORP COM 574599106 BBG001S5SZ70 3,115,920 39,502 SH   SOLE   39,393 0 109
MCDONALDS CORP COM 580135101 BBG001S5T110 250,936 890 SH   SOLE   890 0 0
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 3,433,129 39,390 SH   SOLE   39,299 0 91
MERCK & CO INC COM 58933Y105 BBG001S5TC52 4,429,058 33,564 SH   SOLE   33,480 0 84
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 512,287 1,055 SH   SOLE   1,055 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 31,588,677 75,082 SH   SOLE   74,931 0 151
NORFOLK SOUTHN CORP COM 655844108 BBG001S5TQJ6 200,073 785 SH   SOLE   785 0 0
NUCOR CORP COM 670346105 BBG001S5TRV0 619,823 3,132 SH   SOLE   3,132 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 93,413,027 103,383 SH   SOLE   103,383 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 1,182,870 9,417 SH   SOLE   9,417 0 0
PALO ALTO NETWORKS INC COM 697435105 BBG001T9NWN5 231,282 814 SH   SOLE   814 0 0
PEPSICO INC COM 713448108 BBG001S695T1 541,656 3,095 SH   SOLE   3,095 0 0
PFIZER INC COM 717081103 BBG001S5V466 2,433,661 87,699 SH   SOLE   87,385 0 314
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 8,077,815 49,786 SH   SOLE   49,686 0 100
QUALCOMM INC COM 747525103 BBG001S6VS70 8,630,727 50,979 SH   SOLE   50,845 0 134
ROPER TECHNOLOGIES INC COM 776696106 BBG001S9B362 5,401,026 9,630 SH   SOLE   9,604 0 26
SALESFORCE INC COM 79466L302 BBG001SDLP09 2,088,107 6,933 SH   SOLE   6,908 0 25
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 2,729,108 37,726 SH   SOLE   37,624 0 102
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 2,722,699 69,777 SH   SOLE   68,950 0 827
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 773,096 16,036 SH   SOLE   16,036 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 BBG00L5F9FV7 2,054,076 25,154 SH   SOLE   24,758 0 396
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 1,483,465 15,713 SH   SOLE   15,506 0 207
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 BBG001S7T223 2,173,392 51,600 SH   SOLE   50,738 0 862
SELECT SECTOR SPDR TR INDL 81369Y704 BBG001S7T232 15,627,606 124,068 SH   SOLE   123,539 0 529
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 BBG00B597137 3,805,949 96,280 SH   SOLE   95,952 0 328
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 BBG001S7T1Q9 1,934,156 10,518 SH   SOLE   10,340 0 178
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 1,855,319 24,297 SH   SOLE   23,889 0 408
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 2,939,532 19,898 SH   SOLE   19,565 0 333
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 BBG001S7R733 999,683 10,762 SH   SOLE   10,630 0 132
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 8,730,054 41,917 SH   SOLE   41,461 0 456
SHELL PLC SPON ADS 780259305 BBG0147BN6H1 5,218,746 77,845 SH   SOLE   77,627 0 218
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 1,438,600 6,993 SH   SOLE   6,993 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 6,911,884 13,214 SH   SOLE   13,214 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 BBG0029J2KF1 19,527,645 675,230 SH   SOLE   665,101 0 10,129
STRYKER CORPORATION COM 863667101 BBG001S8FR03 4,302,045 12,021 SH   SOLE   11,989 0 32
TARGET CORP COM 87612E106 BBG001SC0K41 310,118 1,750 SH   SOLE   1,750 0 0
TE CONNECTIVITY LTD SHS H84989104 BBG001STLRP3 2,159,719 14,870 SH   SOLE   14,862 0 8
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 224,209 1,287 SH   SOLE   1,287 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 4,894,982 8,422 SH   SOLE   8,403 0 19
TJX COS INC NEW COM 872540109 BBG001S5WQ93 4,621,101 45,564 SH   SOLE   45,442 0 122
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 6,353,927 12,844 SH   SOLE   12,814 0 30
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 226,410 471 SH   SOLE   471 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 18,742,782 81,993 SH   SOLE   81,713 0 280
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 289,514 1,114 SH   SOLE   1,114 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 6,309,424 151,052 SH   SOLE   150,454 0 598
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 22,057,044 439,646 SH   SOLE   438,194 0 1,452
VANGUARD WORLD FD INF TECH ETF 92204A702 BBG001SHTTR5 206,590 394 SH   SOLE   394 0 0
VANGUARD WORLD FD UTILITIES ETF 92204A876 BBG001SHVTP4 5,553,993 38,954 SH   SOLE   38,826 0 128
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 2,445,668 58,286 SH   SOLE   58,157 0 129
VISA INC COM CL A 92826C839 BBG001SRCFY3 8,042,290 28,817 SH   SOLE   28,737 0 80
WALMART INC COM 931142103 BBG001S5XH92 356,327 5,922 SH   SOLE   5,922 0 0
XYLEM INC COM 98419M100 BBG001V05C73 2,766,383 21,405 SH   SOLE   21,348 0 57