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 4,692 48,464 SH   SOLE   47,694 0 770
AMAZON COM INC COM 023135106 605 5,363 SH   SOLE   5,363 0 0
AMGEN INC COM 031162100 422 1,866 SH   SOLE   1,866 0 0
APPLE INC COM 037833100 5,660 40,977 SH   SOLE   40,912 0 65
APPLIED MATLS INC COM 038222105 481 5,950 SH   SOLE   5,950 0 0
BK OF AMERICA CORP COM 060505104 215 7,083 SH   SOLE   7,083 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 214 808 SH   SOLE   808 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 254 3,580 SH   SOLE   701 0 2,879
CVS HEALTH CORP COM 126650100 402 4,213 SH   SOLE   4,163 0 50
CATERPILLAR INC COM 149123101 897 5,500 SH   SOLE   5,500 0 0
CHEVRON CORP NEW COM 166764100 2,121 14,744 SH   SOLE   13,560 0 1,184
COCA COLA CO COM 191216100 732 12,923 SH   SOLE   12,423 0 500
CUMMINS INC COM 231021106 278 1,375 SH   SOLE   1,375 0 0
DTE ENERGY CO COM 233331107 264 2,278 SH   SOLE   232 0 2,046
DANAHER CORPORATION COM 235851102 1,146 4,435 SH   SOLE   4,435 0 0
DEERE & CO COM 244199105 325 968 SH   SOLE   943 0 25
DISNEY WALT CO COM 254687106 344 3,640 SH   SOLE   3,640 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 243 10,230 SH   SOLE   10,230 0 0
FORD MTR CO DEL COM 345370860 128 11,495 SH   SOLE   11,495 0 0
GENERAL DYNAMICS CORP COM 369550108 451 2,125 SH   SOLE   2,125 0 0
GENERAL MLS INC COM 370334104 202 2,635 SH   SOLE   2,635 0 0
HOME DEPOT INC COM 437076102 349 1,258 SH   SOLE   1,008 0 250
INTEL CORP COM 458140100 300 11,773 SH   SOLE   11,683 0 90
INTERNATIONAL BUSINESS MACHS COM 459200101 599 4,994 SH   SOLE   4,744 0 250
ISHARES TR CORE S&P500 ETF 464287200 2,224 6,199 SH   SOLE   6,199 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 209 3,608 SH   SOLE   3,608 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 241 2,966 SH   SOLE   2,966 0 0
ISHARES TR MSCI EAFE ETF 464287465 3,003 53,681 SH   SOLE   53,281 0 400
ISHARES TR CORE S&P MCP ETF 464287507 2,215 10,107 SH   SOLE   10,107 0 0
ISHARES TR COHEN STEER REIT 464287564 2,536 47,309 SH   SOLE   46,090 0 1,219
ISHARES TR RUSSELL 2000 ETF 464287655 2,148 13,046 SH   SOLE   12,996 0 50
ISHARES TR CORE S&P SCP ETF 464287804 1,117 12,763 SH   SOLE   12,663 0 100
JOHNSON & JOHNSON COM 478160104 1,355 8,298 SH   SOLE   8,018 0 280
LILLY ELI & CO COM 532457108 414 1,281 SH   SOLE   1,281 0 0
LOWES COS INC COM 548661107 638 3,396 SH   SOLE   3,361 0 35
MARATHON OIL CORP COM 565849106 614 27,202 SH   SOLE   27,202 0 0
MASCO CORP COM 574599106 443 9,525 SH   SOLE   9,525 0 0
MCDONALDS CORP COM 580135101 1,617 7,000 SH   SOLE   6,975 0 25
MICROSOFT CORP COM 594918104 3,079 13,246 SH   SOLE   12,684 0 562
MICROCHIP TECHNOLOGY INC. COM 595017104 563 9,265 SH   SOLE   9,175 0 90
NIKE INC CL B 654106103 692 8,282 SH   SOLE   8,232 0 50
NORFOLK SOUTHN CORP COM 655844108 337 1,612 SH   SOLE   1,612 0 0
OLD NATL BANCORP IND COM 680033107 192 11,615 SH   SOLE   11,615 0 0
PEPSICO INC COM 713448108 999 6,163 SH   SOLE   6,118 0 45
PFIZER INC COM 717081103 672 15,334 SH   SOLE   5,887 0 9,447
PROCTER AND GAMBLE CO COM 742718109 1,639 12,988 SH   SOLE   12,663 0 325
SCHWAB CHARLES CORP COM 808513105 859 11,935 SH   SOLE   11,835 0 100
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,679 110,454 SH   SOLE   109,602 0 852
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 4,426 79,199 SH   SOLE   78,789 0 410
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 5,146 87,956 SH   SOLE   87,464 0 492
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 7,089 116,817 SH   SOLE   115,137 0 1,680
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,722 98,439 SH   SOLE   97,395 0 1,044
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,827 81,554 SH   SOLE   80,638 0 916
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 223 4,825 SH   SOLE   4,825 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,807 171,124 SH   SOLE   170,559 0 565
SCHWAB STRATEGIC TR US TIPS ETF 808524870 3,997 77,085 SH   SOLE   73,067 0 4,018
SOUTHERN CO COM 842587107 243 3,576 SH   SOLE   437 0 3,139
STARBUCKS CORP COM 855244109 234 2,787 SH   SOLE   2,787 0 0
STRYKER CORPORATION COM 863667101 2,348 11,594 SH   SOLE   10,814 0 780
SYSCO CORP COM 871829107 491 6,964 SH   SOLE   6,964 0 0
TJX COS INC NEW COM 872540109 1,392 22,407 SH   SOLE   22,307 0 100
UNION PAC CORP COM 907818108 337 1,728 SH   SOLE   305 0 1,423
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 923 25,385 SH   SOLE   24,905 0 480
VANGUARD INDEX FDS SM CP VAL ETF 922908611 766 5,341 SH   SOLE   5,341 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 202 756 SH   SOLE   756 0 0
ABBVIE INC COM 00287Y109 6,123 45,657 SH   SOLE   45,257 0 400
ADOBE SYSTEMS INCORPORATED COM 00724F101 229 824 SH   SOLE   824 0 0
ALPHABET INC CAP STK CL C 02079K107 466 4,815 SH   SOLE   4,815 0 0
ALPHABET INC CAP STK CL A 02079K305 2,577 26,918 SH   SOLE   26,683 0 235
BLACKROCK INC COM 09247X101 275 495 SH   SOLE   495 0 0
BLACKSTONE INC COM 09260D107 368 4,393 SH   SOLE   4,393 0 0
CISCO SYS INC COM 17275R102 604 15,133 SH   SOLE   13,313 0 1,820
CONOCOPHILLIPS COM 20825C104 392 3,775 SH   SOLE   2,820 0 955
COSTCO WHSL CORP NEW COM 22160K105 2,372 5,014 SH   SOLE   4,737 0 277
EXXON MOBIL CORP COM 30231G102 781 8,937 SH   SOLE   7,755 0 1,182
META PLATFORMS INC CL A 30303M102 633 4,653 SH   SOLE   4,623 0 30
ISHARES TR GNMA BOND ETF 46429B333 295 6,863 SH   SOLE   3,777 0 3,086
ISHARES TR 0-5 YR TIPS ETF 46429B747 271 2,806 SH   SOLE   2,806 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 222 4,810 SH   SOLE   4,810 0 0
ISHARES TR BLACKROCK ULTRA 46434V878 753 15,032 SH   SOLE   15,032 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243 362 15,429 SH   SOLE   0 0 15,429
ISHARES TR ESG AWR US AGRGT 46435U549 202 4,346 SH   SOLE   0 0 4,346
JPMORGAN CHASE & CO COM 46625H100 1,752 16,793 SH   SOLE   15,354 0 1,439
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 1,351 26,957 SH   SOLE   26,957 0 0
MERCK & CO INC COM 58933Y105 435 5,011 SH   SOLE   1,660 0 3,351
ORACLE CORP COM 68389X105 1,096 17,920 SH   SOLE   17,845 0 75
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 678 7,164 SH   SOLE   6,957 0 207
PIMCO ETF TR ACTIVE BD ETF 72201R775 3,840 42,707 SH   SOLE   42,529 0 178
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 5,517 13,676 SH   SOLE   13,551 0 125
SALESFORCE INC COM 79466L302 860 6,007 SH   SOLE   5,972 0 35
SYSTEM1 INC CL A COM 87200P109 69 10,950 SH   SOLE   10,950 0 0
TESLA INC COM 88160R101 635 2,392 SH   SOLE   2,392 0 0
3M CO COM 88579Y101 308 2,763 SH   SOLE   2,749 0 14
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,013 54,073 SH   SOLE   53,872 0 201
VERIZON COMMUNICATIONS INC COM 92343V104 329 8,653 SH   SOLE   2,182 0 6,471
VISA INC COM CL A 92826C839 1,742 9,800 SH   SOLE   9,775 0 25