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
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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
3M CO COM 88579Y101 BBG001S5T7X2 564,677 3,845 SH   SOLE   3,845 0 0
ABBOTT LABS COM 002824100 BBG001S5N9M6 1,849,008 13,939 SH   SOLE   13,939 0 0
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 3,971,456 18,955 SH   SOLE   18,955 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 515,879 3,336 SH   SOLE   3,336 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 835,987 5,351 SH   SOLE   5,351 0 0
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 474,371 7,904 SH   SOLE   7,904 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,610,170 8,463 SH   SOLE   8,463 0 0
AMERICAN ELEC PWR CO INC COM 025537101 BBG001S5NFD2 283,009 2,590 SH   SOLE   2,590 0 0
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 267,167 993 SH   SOLE   993 0 0
AMERICAN TOWER CORP NEW COM 03027X100 BBG001S5NPQ6 268,736 1,235 SH   SOLE   1,235 0 0
AMGEN INC COM 031162100 BBG001S5NNL6 358,648 1,151 SH   SOLE   1,151 0 0
APPLE INC COM 037833100 BBG001S5N8V8 5,620,555 25,303 SH   SOLE   25,303 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 502,597 1,645 SH   SOLE   1,645 0 0
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 345,399 8,277 SH   SOLE   8,277 0 0
BECTON DICKINSON & CO COM 075887109 BBG001S5P374 294,113 1,284 SH   SOLE   1,284 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 867,573 1,629 SH   SOLE   1,629 0 0
BLACKSTONE INC COM 09260D107 BBG001S7H949 310,945 2,225 SH   SOLE   2,225 0 0
BOEING CO COM 097023105 BBG001S5P0V3 754,193 4,422 SH   SOLE   4,422 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 284,579 4,666 SH   SOLE   4,666 0 0
BROADCOM INC COM 11135F101 BBG00KHY5SY8 4,349,664 25,979 SH   SOLE   25,979 0 0
CATERPILLAR INC COM 149123101 BBG001S5PJ06 1,646,884 4,994 SH   SOLE   4,994 0 0
CHENIERE ENERGY PARTNERS LP COM UNIT 16411Q101 BBG001SSCPS6 264,160 4,000 SH   SOLE   4,000 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 3,514,676 21,009 SH   SOLE   21,009 0 0
CINTAS CORP COM 172908105 BBG001S7CRG1 246,636 1,200 SH   SOLE   1,200 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 370,692 6,007 SH   SOLE   6,007 0 0
CME GROUP INC COM 12572Q105 BBG001S86547 1,167,011 4,399 SH   SOLE   4,399 0 0
COCA COLA CO COM 191216100 BBG001S5SMQ8 428,932 5,989 SH   SOLE   5,989 0 0
COLGATE PALMOLIVE CO COM 194162103 BBG001S5PVM5 674,734 7,201 SH   SOLE   7,201 0 0
CONOCOPHILLIPS COM 20825C104 BBG001S5TZM2 1,017,014 9,684 SH   SOLE   9,684 0 0
CONSOLIDATED EDISON INC COM 209115104 BBG001S5QRL4 475,537 4,300 SH   SOLE   4,300 0 0
CORPAY INC COM SHS 219948106 BBG001SHC7K8 1,394,880 4,000 SH   SOLE   4,000 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 551,390 583 SH   SOLE   583 0 0
CSX CORP COM 126408103 BBG001S5Q7Q3 492,590 16,738 SH   SOLE   16,738 0 0
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 410,294 6,056 SH   SOLE   6,056 0 0
DEERE & CO COM 244199105 BBG001S5QFF7 2,973,802 6,336 SH   SOLE   6,336 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 572,998 17,369 SH   SOLE   17,369 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 391,158 3,207 SH   SOLE   3,207 0 0
ELEVANCE HEALTH INC COM 036752103 BBG001S6KBQ8 427,131 982 SH   SOLE   982 0 0
ELI LILLY & CO COM 532457108 BBG001S5STL8 374,137 453 SH   SOLE   453 0 0
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 5,730,335 52,265 SH   SOLE   52,265 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 BBG001S9P0Z1 2,236,785 65,518 SH   SOLE   65,518 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 3,648,891 30,681 SH   SOLE   30,681 0 0
GLOBAL X FDS GLBL X MLP ETF 37954Y343 BBG002WKD6P0 1,736,416 32,621 SH   SOLE   32,621 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 2,253,181 6,148 SH   SOLE   6,148 0 0
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 365,131 1,724 SH   SOLE   1,724 0 0
HUBBELL INC COM 443510607 BBG001S5S1L9 1,886,187 5,700 SH   SOLE   5,700 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 808,145 3,250 SH   SOLE   3,250 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 BBG001SS8729 17,736,440 341,151 SH   SOLE   341,151 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 BBG001SSJYS0 1,614,825 74,279 SH   SOLE   74,279 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 BBG001SSH3K8 1,061,613 31,712 SH   SOLE   31,712 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 BBG001T0NSB6 1,270,530 113,238 SH   SOLE   113,238 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 BBG001V0MBC0 2,220,427 107,267 SH   SOLE   107,267 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 BBG001S6H5N8 22,177,533 548,813 SH   SOLE   548,813 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 BBG001SPSDJ2 2,721,074 71,872 SH   SOLE   71,872 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 926,586 1,976 SH   SOLE   1,976 0 0
ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 1,046,776 17,754 SH   SOLE   17,754 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 2,543,336 47,125 SH   SOLE   47,125 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 502,006 6,068 SH   SOLE   6,068 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 BBG001SSD812 660,729 5,593 SH   SOLE   5,593 0 0
ISHARES TR BROAD USD HIGH 46435U853 BBG00J2DS0J6 1,173,245 31,873 SH   SOLE   31,873 0 0
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 578,584 11,574 SH   SOLE   11,574 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 6,810,164 90,022 SH   SOLE   90,022 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 2,845,663 27,213 SH   SOLE   27,213 0 0
ISHARES TR CORE S&P US GWT 464287671 BBG001SFQL99 29,952,121 235,695 SH   SOLE   235,695 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 22,183,812 39,480 SH   SOLE   39,480 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 66,387,289 671,121 SH   SOLE   671,121 0 0
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 23,111,885 401,248 SH   SOLE   401,248 0 0
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 7,309,635 115,058 SH   SOLE   115,058 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 1,359,585 25,887 SH   SOLE   25,887 0 0
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 350,949 4,294 SH   SOLE   4,294 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 224,050 5,127 SH   SOLE   5,127 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 14,620,627 138,663 SH   SOLE   138,663 0 0
ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 2,400,996 78,132 SH   SOLE   78,132 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 334,360 1,777 SH   SOLE   1,777 0 0
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 3,193,783 37,543 SH   SOLE   37,543 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 4,597,824 43,540 SH   SOLE   43,540 0 0
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 9,260,685 83,362 SH   SOLE   83,362 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 2,517,783 15,182 SH   SOLE   15,182 0 0
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 6,541,351 26,667 SH   SOLE   26,667 0 0
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 1,002,509 7,049 SH   SOLE   7,049 0 0
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 297,062 665 SH   SOLE   665 0 0
MARRIOTT INTL INC NEW CL A 571903202 BBG001S78K44 368,019 1,545 SH   SOLE   1,545 0 0
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 3,623,621 6,611 SH   SOLE   6,611 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 454,186 1,454 SH   SOLE   1,454 0 0
MCKESSON CORP COM 58155Q103 BBG001S8F8P8 412,543 613 SH   SOLE   613 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 758,831 8,454 SH   SOLE   8,454 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 421,319 731 SH   SOLE   731 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 6,808,448 18,137 SH   SOLE   18,137 0 0
MORGAN STANLEY COM NEW 617446448 BBG001S9V5Z3 901,042 7,723 SH   SOLE   7,723 0 0
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 494,741 6,979 SH   SOLE   6,979 0 0
NORTHROP GRUMMAN CORP COM 666807102 BBG001S5TP26 280,069 547 SH   SOLE   547 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 1,877,358 17,322 SH   SOLE   17,322 0 0
ONEOK INC NEW COM 682680103 BBG001S5TWK1 3,503,359 35,309 SH   SOLE   35,309 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 894,644 6,399 SH   SOLE   6,399 0 0
PACKAGING CORP AMER COM 695156109 BBG001S5V741 1,632,279 8,243 SH   SOLE   8,243 0 0
PARKER-HANNIFIN CORP COM 701094104 BBG001S5V554 848,559 1,396 SH   SOLE   1,396 0 0
PEPSICO INC COM 713448108 BBG001S695T1 1,048,231 6,991 SH   SOLE   6,991 0 0
PFIZER INC COM 717081103 BBG001S5V466 224,208 8,848 SH   SOLE   8,848 0 0
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 403,492 2,542 SH   SOLE   2,542 0 0
PPG INDS INC COM 693506107 BBG001S5VC13 287,372 2,628 SH   SOLE   2,628 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 2,349,240 13,785 SH   SOLE   13,785 0 0
PROSHARES TR ULTRAPRO QQQ 74347X831 BBG001T6S396 4,767,876 83,209 SH   SOLE   83,209 0 0
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 212,466 1,604 SH   SOLE   1,604 0 0
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 BBG00PZFDF86 793,408 32,200 SH   SOLE   32,200 0 0
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 BBG00PZFPGG2 10,039,710 447,004 SH   SOLE   447,004 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 16,872,371 611,983 SH   SOLE   611,983 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730 BBG0051QPC87 11,243,602 365,052 SH   SOLE   365,052 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 BBG0051K49J8 36,307,798 1,004,643 SH   SOLE   1,004,643 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 BBG0051QD594 7,348,347 202,993 SH   SOLE   202,993 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 BBG0051J0PJ9 65,541,242 2,775,995 SH   SOLE   2,775,995 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 BBG0051NXNX3 10,677,088 389,817 SH   SOLE   389,817 0 0
SCHWAB STRATEGIC TR HIGH YIELD BD ET 808524631 BBG01F80WYB4 3,461,690 132,581 SH   SOLE   132,581 0 0
SCHWAB STRATEGIC TR INTERNL DIVID 808524672 BBG00Z60CHB2 5,596,442 220,506 SH   SOLE   220,506 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 69,322,785 3,504,691 SH   SOLE   3,504,691 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 13,257,481 369,495 SH   SOLE   369,495 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 1,311,191 52,743 SH   SOLE   52,743 0 0
SCHWAB STRATEGIC TR LONG TERM US 808524680 BBG00PZFJQM0 2,309,744 70,505 SH   SOLE   70,505 0 0
SCHWAB STRATEGIC TR MUN BD ETF 808524649 BBG019GV63H2 13,406,497 528,439 SH   SOLE   528,439 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 19,959,141 820,014 SH   SOLE   820,014 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 125,330,664 5,411,514 SH   SOLE   5,411,514 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 9,988,594 357,246 SH   SOLE   357,246 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 42,026,735 1,678,384 SH   SOLE   1,678,384 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 87,051,454 3,942,548 SH   SOLE   3,942,548 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 26,089,469 1,212,900 SH   SOLE   1,212,900 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 16,116,449 687,855 SH   SOLE   687,855 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 5,102,808 189,766 SH   SOLE   189,766 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 693,134 3,357 SH   SOLE   3,357 0 0
SOUTHERN CO COM 842587107 BBG001S5W777 331,848 3,609 SH   SOLE   3,609 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,973,352 3,528 SH   SOLE   3,528 0 0
SPDR SER TR BBG CONV SEC ETF 78464A359 BBG001T2PMD1 391,452 5,109 SH   SOLE   5,109 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 BBG001STKCZ6 612,253 23,209 SH   SOLE   23,209 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 BBG001SPT9T9 2,244,448 43,854 SH   SOLE   43,854 0 0
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 3,700,808 27,276 SH   SOLE   27,276 0 0
STARBUCKS CORP COM 855244109 BBG001S72KH6 702,422 7,161 SH   SOLE   7,161 0 0
SYSCO CORP COM 871829107 BBG001S5WJS8 315,168 4,200 SH   SOLE   4,200 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 BBG001S5WWW4 737,870 4,445 SH   SOLE   4,445 0 0
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 235,407 1,310 SH   SOLE   1,310 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 222,925 448 SH   SOLE   448 0 0
TRAVELERS COMPANIES INC COM 89417E109 BBG001S5R103 282,708 1,069 SH   SOLE   1,069 0 0
UNION PAC CORP COM 907818108 BBG001S5X2M0 484,528 2,051 SH   SOLE   2,051 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 326,227 623 SH   SOLE   623 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 35,634,782 485,157 SH   SOLE   485,157 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 326,020 6,678 SH   SOLE   6,678 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 230,334 621 SH   SOLE   621 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 244,693 952 SH   SOLE   952 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 1,543,444 5,968 SH   SOLE   5,968 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 86,668,866 168,646 SH   SOLE   168,646 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 13,957,869 62,944 SH   SOLE   62,944 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 1,358,932 4,944 SH   SOLE   4,944 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 303,300 5,000 SH   SOLE   5,000 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 7,773,541 171,753 SH   SOLE   171,753 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 BBG001SHTV18 671,278 9,561 SH   SOLE   9,561 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 958,212 19,311 SH   SOLE   19,311 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 BBG001T62MC8 442,214 7,676 SH   SOLE   7,676 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 22,307,717 380,094 SH   SOLE   380,094 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 373,097 6,008 SH   SOLE   6,008 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 48,855,305 961,151 SH   SOLE   961,151 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 290,676 2,254 SH   SOLE   2,254 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 286,807 3,458 SH   SOLE   3,458 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 BBG00C868SD7 281,127 3,815 SH   SOLE   3,815 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 BBG001SHTTR5 255,543 471 SH   SOLE   471 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 550,081 12,127 SH   SOLE   12,127 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 1,413,756 4,034 SH   SOLE   4,034 0 0
WALMART INC COM 931142103 BBG001S5XH92 1,781,393 20,292 SH   SOLE   20,292 0 0
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 324,677 1,402 SH   SOLE   1,402 0 0
ZOETIS INC CL A 98978V103 BBG0039320P7 319,421 1,940 SH   SOLE   1,940 0 0