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
3M CO COM 88579Y101 374 2,886 SH   SOLE   2,872 0 14
ABBOTT LABS COM 002824100 5,297 48,750 SH   SOLE   47,980 0 770
ABBVIE INC COM 00287Y109 6,983 45,592 SH   SOLE   45,192 0 400
ADOBE SYSTEMS INCORPORATED COM 00724F101 302 824 SH   SOLE   824 0 0
ALPHABET INC CAP STK CL C 02079K107 556 254 SH   SOLE   254 0 0
ALPHABET INC CAP STK CL A 02079K305 2,957 1,357 SH   SOLE   1,354 0 3
AMAZON COM INC COM 023135106 570 5,363 SH   SOLE   5,363 0 0
AMGEN INC COM 031162100 490 2,016 SH   SOLE   2,016 0 0
APPLE INC COM 037833100 5,882 43,021 SH   SOLE   42,956 0 65
APPLIED MATLS INC COM 038222105 500 5,500 SH   SOLE   5,500 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 221 808 SH   SOLE   808 0 0
BK OF AMERICA CORP COM 060505104 240 7,708 SH   SOLE   7,708 0 0
BLACKROCK INC COM 09247X101 314 515 SH   SOLE   515 0 0
BLACKSTONE INC COM 09260D107 401 4,393 SH   SOLE   4,393 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 278 3,580 SH   SOLE   701 0 2,879
CATERPILLAR INC COM 149123101 1,032 5,775 SH   SOLE   5,775 0 0
CHEVRON CORP NEW COM 166764100 2,213 15,282 SH   SOLE   14,048 0 1,234
CHUBB LIMITED COM H1467J104 210 1,065 SH   SOLE   1,065 0 0
CISCO SYS INC COM 17275R102 677 15,883 SH   SOLE   14,063 0 1,820
COCA COLA CO COM 191216100 839 13,251 SH   SOLE   12,751 0 500
CONOCOPHILLIPS COM 20825C104 342 3,775 SH   SOLE   2,820 0 955
COSTCO WHSL CORP NEW COM 22160K105 2,443 5,097 SH   SOLE   4,820 0 277
CUMMINS INC COM 231021106 269 1,390 SH   SOLE   1,390 0 0
CVS HEALTH CORP COM 126650100 390 4,210 SH   SOLE   4,160 0 50
DANAHER CORPORATION COM 235851102 1,227 4,835 SH   SOLE   4,835 0 0
DBX ETF TR XTRACK USD HIGH 233051432 1,304 38,663 SH   SOLE   38,517 0 146
DEERE & CO COM 244199105 291 968 SH   SOLE   943 0 25
DISNEY WALT CO COM 254687106 377 3,990 SH   SOLE   3,990 0 0
DTE ENERGY CO COM 233331107 291 2,278 SH   SOLE   232 0 2,046
EDWARDS LIFESCIENCES CORP COM 28176E108 228 2,400 SH   SOLE   2,400 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 249 10,230 SH   SOLE   10,230 0 0
EXXON MOBIL CORP COM 30231G102 797 9,304 SH   SOLE   8,022 0 1,282
GENERAL DYNAMICS CORP COM 369550108 506 2,275 SH   SOLE   2,275 0 0
GENERAL MLS INC COM 370334104 244 3,235 SH   SOLE   3,235 0 0
HOME DEPOT INC COM 437076102 372 1,358 SH   SOLE   1,108 0 250
INTEL CORP COM 458140100 497 13,298 SH   SOLE   13,208 0 90
INTERNATIONAL BUSINESS MACHS COM 459200101 684 4,844 SH   SOLE   4,594 0 250
INVESCO QQQ TR UNIT SER 1 46090E103 212 756 SH   SOLE   756 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 218 3,608 SH   SOLE   3,608 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 2,224 13,134 SH   SOLE   13,084 0 50
ISHARES TR RUS 1000 GRW ETF 464287614 262 1,200 SH   SOLE   1,200 0 0
ISHARES TR MSCI EAFE ETF 464287465 3,480 55,681 SH   SOLE   55,281 0 400
ISHARES TR GNMA BOND ETF 46429B333 568 12,479 SH   SOLE   9,378 0 3,101
ISHARES TR ESG AWRE 1 5 YR 46435G243 372 15,429 SH   SOLE   0 0 15,429
ISHARES TR ESG AWR US AGRGT 46435U549 213 4,346 SH   SOLE   0 0 4,346
ISHARES TR CORE S&P500 ETF 464287200 2,278 6,009 SH   SOLE   6,009 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,212 13,113 SH   SOLE   13,013 0 100
ISHARES TR CORE S&P MCP ETF 464287507 2,446 10,810 SH   SOLE   10,810 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 228 4,810 SH   SOLE   4,810 0 0
ISHARES TR COHEN STEER REIT 464287564 2,191 36,053 SH   SOLE   35,585 0 468
ISHARES TR BLACKROCK ULTRA 46434V878 812 16,232 SH   SOLE   16,232 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 246 2,966 SH   SOLE   2,966 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 306 3,014 SH   SOLE   3,014 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 1,902 37,970 SH   SOLE   37,970 0 0
JOHNSON & JOHNSON COM 478160104 1,548 8,723 SH   SOLE   8,443 0 280
JPMORGAN CHASE & CO COM 46625H100 1,973 17,525 SH   SOLE   16,086 0 1,439
LILLY ELI & CO COM 532457108 456 1,407 SH   SOLE   1,407 0 0
LOWES COS INC COM 548661107 637 3,645 SH   SOLE   3,610 0 35
MARATHON OIL CORP COM 565849106 640 28,452 SH   SOLE   28,452 0 0
MASCO CORP COM 574599106 482 9,525 SH   SOLE   9,525 0 0
MCDONALDS CORP COM 580135101 1,802 7,300 SH   SOLE   7,275 0 25
MERCK & CO INC COM 58933Y105 460 5,011 SH   SOLE   1,660 0 3,351
META PLATFORMS INC CL A 30303M102 993 6,161 SH   SOLE   6,131 0 30
MICROCHIP TECHNOLOGY INC. COM 595017104 585 10,065 SH   SOLE   9,975 0 90
MICROSOFT CORP COM 594918104 3,569 13,895 SH   SOLE   13,333 0 562
NIKE INC CL B 654106103 827 8,067 SH   SOLE   8,017 0 50
NORFOLK SOUTHN CORP COM 655844108 395 1,737 SH   SOLE   1,737 0 0
ORACLE CORP COM 68389X105 1,338 19,145 SH   SOLE   19,070 0 75
PEPSICO INC COM 713448108 1,035 6,213 SH   SOLE   6,168 0 45
PFIZER INC COM 717081103 805 15,350 SH   SOLE   5,903 0 9,447
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 753 7,846 SH   SOLE   7,639 0 207
PIMCO ETF TR ACTIVE BD ETF 72201R775 2,600 27,293 SH   SOLE   27,165 0 128
PROCTER AND GAMBLE CO COM 742718109 1,978 13,758 SH   SOLE   13,433 0 325
SALESFORCE INC COM 79466L302 1,017 6,164 SH   SOLE   6,129 0 35
SCHWAB CHARLES CORP COM 808513105 771 12,209 SH   SOLE   12,109 0 100
SCHWAB STRATEGIC TR US TIPS ETF 808524870 4,343 77,834 SH   SOLE   73,813 0 4,021
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,858 98,941 SH   SOLE   97,893 0 1,048
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 7,235 115,337 SH   SOLE   113,654 0 1,683
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,758 106,538 SH   SOLE   105,705 0 833
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 5,236 83,886 SH   SOLE   83,389 0 497
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 4,359 75,160 SH   SOLE   74,743 0 417
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,794 184,232 SH   SOLE   183,653 0 579
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,274 89,588 SH   SOLE   89,265 0 323
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 229 4,825 SH   SOLE   4,825 0 0
SOUTHERN CO COM 842587107 256 3,591 SH   SOLE   452 0 3,139
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 5,828 14,048 SH   SOLE   13,923 0 125
SPROTT PHYSICAL GOLD TR UNIT 85207H104 212 14,938 SH   SOLE   14,938 0 0
STARBUCKS CORP COM 855244109 204 2,676 SH   SOLE   2,676 0 0
STRYKER CORPORATION COM 863667101 2,388 11,964 SH   SOLE   11,264 0 700
SYSCO CORP COM 871829107 593 6,964 SH   SOLE   6,964 0 0
TESLA INC COM 88160R101 544 807 SH   SOLE   807 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 209 385 SH   SOLE   385 0 0
TJX COS INC NEW COM 872540109 1,327 23,752 SH   SOLE   23,652 0 100
UNION PAC CORP COM 907818108 369 1,728 SH   SOLE   305 0 1,423
V F CORP COM 918204108 303 6,860 SH   SOLE   6,860 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 800 5,341 SH   SOLE   5,341 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,165 27,960 SH   SOLE   27,480 0 480
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,983 52,231 SH   SOLE   52,037 0 194
VERIZON COMMUNICATIONS INC COM 92343V104 453 8,924 SH   SOLE   2,453 0 6,471
VISA INC COM CL A 92826C839 2,012 10,220 SH   SOLE   10,195 0 25