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
ABBOTT LABS COM 002824100   5,353,278 48,759 SH   SOLE   47,999 0 760
AIR PRODS & CHEMS INC COM 009158106   210,718 680 SH   SOLE   680 0 0
AMAZON COM INC COM 023135106   475,725 5,663 SH   SOLE   5,663 0 0
AMGEN INC COM 031162100   490,086 1,866 SH   SOLE   1,866 0 0
APPLE INC COM 037833100   5,260,671 40,488 SH   SOLE   40,423 0 65
APPLIED MATLS INC COM 038222105   515,140 5,290 SH   SOLE   5,290 0 0
BANK AMERICA CORP COM 060505104   285,097 8,608 SH   SOLE   8,608 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   249,591 808 SH   SOLE   808 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   257,581 3,580 SH   SOLE   701 0 2,879
CVS HEALTH CORP COM 126650100   387,952 4,163 SH   SOLE   4,123 0 40
CATERPILLAR INC COM 149123101   1,331,954 5,560 SH   SOLE   5,560 0 0
CHEVRON CORP NEW COM 166764100   2,647,298 14,749 SH   SOLE   13,575 0 1,174
COCA COLA CO COM 191216100   819,042 12,876 SH   SOLE   12,376 0 500
CUMMINS INC COM 231021106   368,281 1,520 SH   SOLE   1,520 0 0
DTE ENERGY CO COM 233331107   269,903 2,278 SH   SOLE   232 0 2,046
DANAHER CORPORATION COM 235851102   1,141,053 4,295 SH   SOLE   4,295 0 0
DEERE & CO COM 244199105   452,748 1,053 SH   SOLE   1,033 0 20
DISNEY WALT CO COM 254687106   296,663 3,415 SH   SOLE   3,415 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107   246,748 10,230 SH   SOLE   10,230 0 0
EQUITY COMWLTH 6.5% CNV PFD D 294628201   263,051 10,500 SH   SOLE   10,500 0 0
FORD MTR CO DEL COM 345370860   147,888 12,716 SH   SOLE   12,716 0 0
GENERAL DYNAMICS CORP COM 369550108   539,639 2,175 SH   SOLE   2,175 0 0
GENERAL MLS INC COM 370334104   230,755 2,752 SH   SOLE   2,752 0 0
HOME DEPOT INC COM 437076102   397,352 1,258 SH   SOLE   1,008 0 250
INTEL CORP COM 458140100   315,257 11,928 SH   SOLE   11,853 0 75
INTERNATIONAL BUSINESS MACHS COM 459200101   703,041 4,990 SH   SOLE   4,740 0 250
ISHARES TR CORE S&P500 ETF 464287200   2,320,303 6,039 SH   SOLE   6,039 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   212,015 3,624 SH   SOLE   3,624 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   240,750 2,966 SH   SOLE   2,966 0 0
ISHARES TR MSCI EAFE ETF 464287465   3,593,025 54,738 SH   SOLE   54,413 0 325
ISHARES TR CORE S&P MCP ETF 464287507   2,426,640 10,032 SH   SOLE   10,032 0 0
ISHARES TR COHEN STEER REIT 464287564   2,353,672 42,919 SH   SOLE   41,750 0 1,169
ISHARES TR RUSSELL 2000 ETF 464287655   2,276,767 13,058 SH   SOLE   13,018 0 40
ISHARES TR CORE S&P SCP ETF 464287804   1,276,978 13,493 SH   SOLE   13,413 0 80
JOHNSON & JOHNSON COM 478160104   1,464,782 8,292 SH   SOLE   8,017 0 275
LILLY ELI & CO COM 532457108   466,812 1,276 SH   SOLE   1,276 0 0
LOWES COS INC COM 548661107   680,521 3,416 SH   SOLE   3,386 0 30
MARATHON OIL CORP COM 565849106   749,893 27,702 SH   SOLE   27,702 0 0
MASCO CORP COM 574599106   435,198 9,325 SH   SOLE   9,325 0 0
MCDONALDS CORP COM 580135101   1,862,630 7,068 SH   SOLE   7,043 0 25
MICROSOFT CORP COM 594918104   3,257,508 13,583 SH   SOLE   13,021 0 562
MICROCHIP TECHNOLOGY INC. COM 595017104   647,003 9,210 SH   SOLE   9,135 0 75
NIKE INC CL B 654106103   985,487 8,422 SH   SOLE   8,382 0 40
NORFOLK SOUTHN CORP COM 655844108   410,043 1,664 SH   SOLE   1,664 0 0
OLD NATL BANCORP IND COM 680033107   206,141 11,465 SH   SOLE   11,465 0 0
PEPSICO INC COM 713448108   1,133,118 6,233 SH   SOLE   6,198 0 35
PFIZER INC COM 717081103   911,098 17,781 SH   SOLE   8,334 0 9,447
PROCTER AND GAMBLE CO COM 742718109   2,156,297 14,227 SH   SOLE   13,912 0 315
SCHWAB CHARLES CORP COM 808513105   1,008,719 12,115 SH   SOLE   12,035 0 80
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   5,058,586 112,040 SH   SOLE   111,188 0 852
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   5,054,630 90,976 SH   SOLE   90,566 0 410
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   6,408,713 97,072 SH   SOLE   96,580 0 492
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   7,686,999 117,162 SH   SOLE   115,482 0 1,680
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   4,097,672 101,152 SH   SOLE   100,108 0 1,044
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,847,894 78,069 SH   SOLE   77,153 0 916
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   5,357,429 166,328 SH   SOLE   165,763 0 565
SCHWAB STRATEGIC TR US TIPS ETF 808524870   3,464,235 66,890 SH   SOLE   62,872 0 4,018
SOUTHERN CO COM 842587107   255,362 3,576 SH   SOLE   437 0 3,139
STARBUCKS CORP COM 855244109   301,270 3,037 SH   SOLE   3,037 0 0
STRYKER CORPORATION COM 863667101   2,860,520 11,664 SH   SOLE   10,889 0 775
SYSCO CORP COM 871829107   532,398 6,964 SH   SOLE   6,964 0 0
TJX COS INC NEW COM 872540109   1,755,339 22,052 SH   SOLE   21,972 0 80
THERMO FISHER SCIENTIFIC INC COM 883556102   212,131 385 SH   SOLE   385 0 0
UNION PAC CORP COM 907818108   357,817 1,728 SH   SOLE   305 0 1,423
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,054,604 27,055 SH   SOLE   26,625 0 430
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   249,667 3,027 SH   SOLE   2,925 0 102
VANGUARD INDEX FDS SM CP VAL ETF 922908611   905,319 5,701 SH   SOLE   5,701 0 0
AT&T INC COM 00206R102   418,330 22,723 SH   SOLE   15,791 0 6,932
ABBVIE INC COM 00287Y109   7,413,880 45,875 SH   SOLE   45,475 0 400
ADOBE SYSTEMS INCORPORATED COM 00724F101   277,301 824 SH   SOLE   824 0 0
ALPHABET INC CAP STK CL C 02079K107   427,235 4,815 SH   SOLE   4,815 0 0
ALPHABET INC CAP STK CL A 02079K305   2,389,129 27,078 SH   SOLE   26,843 0 235
BLACKROCK INC COM 09247X101   350,772 495 SH   SOLE   495 0 0
BLACKSTONE INC COM 09260D107   256,401 3,456 SH   SOLE   3,456 0 0
CISCO SYS INC COM 17275R102   758,905 15,930 SH   SOLE   14,110 0 1,820
CONOCOPHILLIPS COM 20825C104   448,093 3,775 SH   SOLE   2,820 0 955
COSTCO WHSL CORP NEW COM 22160K105   2,308,064 5,056 SH   SOLE   4,779 0 277
EXXON MOBIL CORP COM 30231G102   1,299,338 11,780 SH   SOLE   10,598 0 1,182
META PLATFORMS INC CL A 30303M102   391,572 3,254 SH   SOLE   3,254 0 0
ISHARES TR GNMA BOND ETF 46429B333   210,247 4,831 SH   SOLE   1,745 0 3,086
ISHARES TR CORE 1 5 YR USD 46432F859   223,376 4,810 SH   SOLE   4,810 0 0
ISHARES TR BLACKROCK ULTRA 46434V878   295,186 5,899 SH   SOLE   5,899 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243   366,747 15,429 SH   SOLE   0 0 15,429
ISHARES TR ESG AWR US AGRGT 46435U549   203,132 4,346 SH   SOLE   0 0 4,346
JPMORGAN CHASE & CO COM 46625H100   2,293,512 17,103 SH   SOLE   15,664 0 1,439
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   552,428 10,989 SH   SOLE   10,989 0 0
MERCK & CO INC COM 58933Y105   570,238 5,106 SH   SOLE   1,755 0 3,351
ORACLE CORP COM 68389X105   1,457,915 17,836 SH   SOLE   17,776 0 60
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   568,735 6,019 SH   SOLE   5,842 0 177
PIMCO ETF TR ACTIVE BD ETF 72201R775   4,396,001 48,431 SH   SOLE   48,253 0 178
RLJ LODGING TR CUM CONV PFD A 74965L200   325,076 13,390 SH   SOLE   13,390 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   6,255,454 14,074 SH   SOLE   13,974 0 100
SALESFORCE INC COM 79466L302   769,685 5,805 SH   SOLE   5,780 0 25
SYSTEM1 INC CL A COM 87200P109   52,170 10,950 SH   SOLE   10,950 0 0
TESLA INC COM 88160R101   303,881 2,467 SH   SOLE   2,467 0 0
3M CO COM 88579Y101   316,410 2,639 SH   SOLE   2,625 0 14
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,928,302 52,245 SH   SOLE   52,044 0 201
VERIZON COMMUNICATIONS INC COM 92343V104   592,497 15,038 SH   SOLE   8,567 0 6,471
VISA INC COM CL A 92826C839   2,050,591 9,870 SH   SOLE   9,850 0 20
CHUBB LIMITED COM H1467J104   235,823 1,065 SH   SOLE   1,065 0 0