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
BRISTOL-MYERS SQUIBB CO COM 110122108   221,523 3,464 SH   SOLE   585 0 2,879
CATERPILLAR INC COM 149123101   1,701,692 6,916 SH   SOLE   6,716 0 200
CHEVRON CORP NEW COM 166764100   2,370,173 15,063 SH   SOLE   13,639 0 1,424
COCA COLA CO COM 191216100   777,492 12,813 SH   SOLE   12,313 0 500
CUMMINS INC COM 231021106   433,934 1,770 SH   SOLE   1,620 0 150
DTE ENERGY CO COM 233331107   252,796 2,278 SH   SOLE   232 0 2,046
DANAHER CORPORATION COM 235851102   1,029,800 4,286 SH   SOLE   4,286 0 0
DEERE & CO COM 244199105   596,654 1,468 SH   SOLE   1,348 0 120
DISNEY WALT CO COM 254687106   228,167 2,556 SH   SOLE   2,556 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107   309,086 11,730 SH   SOLE   11,730 0 0
FORD MTR CO DEL COM 345370860   173,408 11,461 SH   SOLE   11,461 0 0
GENERAL DYNAMICS CORP COM 369550108   368,125 1,711 SH   SOLE   1,561 0 150
HOME DEPOT INC COM 437076102   360,964 1,162 SH   SOLE   912 0 250
HONEYWELL INTL INC COM 438516106   207,501 1,000 SH   SOLE   1,000 0 0
ILLINOIS TOOL WKS INC COM 452308109   201,523 801 SH   SOLE   801 0 0
INTEL CORP COM 458140100   474,280 14,183 SH   SOLE   13,108 0 1,075
INTERNATIONAL BUSINESS MACHS COM 459200101   578,063 4,320 SH   SOLE   3,820 0 500
ISHARES TR CORE S&P500 ETF 464287200   2,592,311 5,816 SH   SOLE   5,816 0 0
ISHARES TR CORE US AGGBD ET 464287226   1,524,321 15,562 SH   SOLE   15,021 0 541
ISHARES TR S&P 500 GRWT ETF 464287309   238,326 3,381 SH   SOLE   3,381 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   240,483 2,966 SH   SOLE   2,966 0 0
ISHARES TR MSCI EAFE ETF 464287465   4,117,552 56,794 SH   SOLE   54,219 0 2,575
ISHARES TR CORE S&P MCP ETF 464287507   2,590,482 9,907 SH   SOLE   9,907 0 0
ISHARES TR COHEN STEER REIT 464287564   2,548,068 45,853 SH   SOLE   44,661 0 1,192
ISHARES TR RUSSELL 2000 ETF 464287655   2,438,095 13,019 SH   SOLE   12,979 0 40
ISHARES TR CORE S&P SCP ETF 464287804   1,343,586 13,483 SH   SOLE   13,403 0 80
JOHNSON & JOHNSON COM 478160104   1,462,700 8,837 SH   SOLE   8,312 0 525
LILLY ELI & CO COM 532457108   570,279 1,216 SH   SOLE   1,216 0 0
LOWES COS INC COM 548661107   1,074,243 4,760 SH   SOLE   4,580 0 180
MARATHON OIL CORP COM 565849106   638,851 27,752 SH   SOLE   25,752 0 2,000
MASCO CORP COM 574599106   557,160 9,710 SH   SOLE   9,210 0 500
MCDONALDS CORP COM 580135101   2,082,907 6,980 SH   SOLE   6,805 0 175
MICROSOFT CORP COM 594918104   4,862,342 14,278 SH   SOLE   13,541 0 737
MICROCHIP TECHNOLOGY INC. COM 595017104   819,753 9,150 SH   SOLE   9,075 0 75
NIKE INC CL B 654106103   987,846 8,923 SH   SOLE   8,583 0 340
NORFOLK SOUTHN CORP COM 655844108   329,708 1,454 SH   SOLE   1,454 0 0
PEPSICO INC COM 713448108   1,192,637 6,439 SH   SOLE   6,154 0 285
PFIZER INC COM 717081103   701,468 19,124 SH   SOLE   8,677 0 10,447
PROCTER AND GAMBLE CO COM 742718109   1,993,259 13,136 SH   SOLE   12,571 0 565
SCHWAB CHARLES CORP COM 808513105   764,532 13,488 SH   SOLE   12,708 0 780
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   5,613,683 107,193 SH   SOLE   106,270 0 923
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   6,784,071 90,514 SH   SOLE   90,058 0 456
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   6,574,262 97,992 SH   SOLE   97,478 0 514
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   8,292,328 116,745 SH   SOLE   115,033 0 1,712
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   4,432,077 101,188 SH   SOLE   99,110 0 2,078
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,977,916 80,304 SH   SOLE   79,396 0 908
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   6,114,626 171,517 SH   SOLE   171,022 0 495
SCHWAB STRATEGIC TR US TIPS ETF 808524870   793,429 15,133 SH   SOLE   15,133 0 0
SOUTHERN CO COM 842587107   262,103 3,731 SH   SOLE   592 0 3,139
STARBUCKS CORP COM 855244109   365,236 3,687 SH   SOLE   3,287 0 400
STRYKER CORPORATION COM 863667101   3,697,444 12,089 SH   SOLE   11,139 0 950
SYSCO CORP COM 871829107   545,370 7,350 SH   SOLE   6,950 0 400
TJX COS INC NEW COM 872540109   1,887,520 22,261 SH   SOLE   21,681 0 580
THERMO FISHER SCIENTIFIC INC COM 883556102   205,708 394 SH   SOLE   394 0 0
UNION PAC CORP COM 907818108   351,538 1,718 SH   SOLE   295 0 1,423
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,219,545 29,979 SH   SOLE   27,549 0 2,430
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,019,029 6,161 SH   SOLE   5,661 0 500
WALMART INC COM 931142103   302,730 1,926 SH   SOLE   1,926 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108   227,335 2,410 SH   SOLE   2,410 0 0
ABBOTT LABS COM 002824100   5,321,140 48,809 SH   SOLE   47,649 0 1,160
ABBVIE INC COM 00287Y109   6,204,727 46,053 SH   SOLE   45,353 0 700
ADOBE SYSTEMS INCORPORATED COM 00724F101   359,409 735 SH   SOLE   735 0 0
AIR PRODS & CHEMS INC COM 009158106   258,800 859 SH   SOLE   709 0 150
ALPHABET INC CAP STK CL C 02079K107   564,326 4,665 SH   SOLE   4,665 0 0
ALPHABET INC CAP STK CL A 02079K305   3,317,179 27,712 SH   SOLE   26,977 0 735
AMAZON COM INC COM 023135106   802,286 6,154 SH   SOLE   5,854 0 300
AMGEN INC COM 031162100   399,640 1,800 SH   SOLE   1,800 0 0
APPLE INC COM 037833100   7,490,525 38,617 SH   SOLE   38,202 0 415
APPLIED MATLS INC COM 038222105   832,553 5,760 SH   SOLE   5,410 0 350
BANK AMERICA CORP COM 060505104   279,501 9,742 SH   SOLE   8,492 0 1,250
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   529,914 1,554 SH   SOLE   1,554 0 0
BLACKROCK INC COM 09247X101   346,264 501 SH   SOLE   501 0 0
CISCO SYS INC COM 17275R102   853,436 16,495 SH   SOLE   13,925 0 2,570
COMCAST CORP NEW CL A 20030N101   247,783 5,963 SH   SOLE   5,963 0 0
CONOCOPHILLIPS COM 20825C104   396,833 3,808 SH   SOLE   2,853 0 955
COSTCO WHSL CORP NEW COM 22160K105   2,844,815 5,284 SH   SOLE   4,907 0 377
EXXON MOBIL CORP COM 30231G102   905,198 8,440 SH   SOLE   8,290 0 150
META PLATFORMS INC CL A 30303M102   803,225 2,799 SH   SOLE   2,799 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   242,669 656 SH   SOLE   656 0 0
ISHARES TR CORE 1 5 YR USD 46432F859   224,338 4,810 SH   SOLE   4,810 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243   368,907 15,429 SH   SOLE   0 0 15,429
ISHARES TR ESG AWR US AGRGT 46435U549   205,001 4,346 SH   SOLE   0 0 4,346
JPMORGAN CHASE & CO COM 46625H100   2,685,260 18,463 SH   SOLE   16,624 0 1,839
MERCK & CO INC COM 58933Y105   573,400 4,938 SH   SOLE   1,587 0 3,351
ORACLE CORP COM 68389X105   2,109,211 17,711 SH   SOLE   17,651 0 60
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   275,973 2,944 SH   SOLE   2,767 0 177
PIMCO ETF TR ACTIVE BD ETF 72201R775   4,585,037 50,044 SH   SOLE   49,895 0 149
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   6,601,349 13,740 SH   SOLE   13,240 0 500
SALESFORCE INC COM 79466L302   1,298,198 6,145 SH   SOLE   5,920 0 225
SYSTEM1 INC CL A COM 87200P109   49,275 10,950 SH   SOLE   10,950 0 0
TESLA INC COM 88160R101   631,903 2,414 SH   SOLE   2,414 0 0
UNITEDHEALTH GROUP INC COM 91324P102   696,450 1,449 SH   SOLE   1,374 0 75
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   4,436,706 58,640 SH   SOLE   58,092 0 548
VERIZON COMMUNICATIONS INC COM 92343V104   288,892 7,768 SH   SOLE   1,297 0 6,471
VISA INC COM CL A 92826C839   2,405,437 10,129 SH   SOLE   9,959 0 170
CHUBB LIMITED COM H1467J104   211,215 1,092 SH   SOLE   1,092 0 0