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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
CATERPILLAR INC COM 149123101   2,480,963 6,668 SH   SOLE   6,468 0 200
CHEVRON CORP NEW COM 166764100   2,508,872 15,423 SH   SOLE   14,034 0 1,389
COCA COLA CO COM 191216100   799,309 13,566 SH   SOLE   13,066 0 500
CUMMINS INC COM 231021106   504,841 1,670 SH   SOLE   1,520 0 150
DTE ENERGY CO COM 233331107   245,249 2,278 SH   SOLE   232 0 2,046
DANAHER CORPORATION COM 235851102   849,183 3,450 SH   SOLE   3,450 0 0
DEERE & CO COM 244199105   512,252 1,239 SH   SOLE   1,139 0 100
ENTERPRISE PRODS PARTNERS L COM 293792107   341,930 11,730 SH   SOLE   11,730 0 0
FORD MTR CO DEL COM 345370860   138,155 10,578 SH   SOLE   10,578 0 0
GENERAL DYNAMICS CORP COM 369550108   201,578 695 SH   SOLE   695 0 0
HOME DEPOT INC COM 437076102   421,373 1,202 SH   SOLE   952 0 250
HONEYWELL INTL INC COM 438516106   829,561 4,240 SH   SOLE   3,990 0 250
ILLINOIS TOOL WKS INC COM 452308109   206,154 791 SH   SOLE   791 0 0
INTEL CORP COM 458140100   483,010 12,984 SH   SOLE   11,984 0 1,000
INTERNATIONAL BUSINESS MACHS COM 459200101   833,459 4,480 SH   SOLE   3,980 0 500
ISHARES TR CORE S&P500 ETF 464287200   2,852,064 5,520 SH   SOLE   5,520 0 0
ISHARES TR CORE US AGGBD ET 464287226   3,375,369 35,248 SH   SOLE   34,701 0 547
ISHARES TR S&P 500 GRWT ETF 464287309   298,056 3,561 SH   SOLE   3,561 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   307,298 3,791 SH   SOLE   3,791 0 0
ISHARES TR MSCI EAFE ETF 464287465   5,440,489 69,483 SH   SOLE   65,508 0 3,975
ISHARES TR CORE S&P MCP ETF 464287507   2,843,748 48,380 SH   SOLE   48,380 0 0
ISHARES TR COHEN STEER REIT 464287564   2,242,299 40,747 SH   SOLE   39,802 0 945
ISHARES TR RUSSELL 2000 ETF 464287655   2,563,672 12,759 SH   SOLE   12,759 0 0
ISHARES TR CORE S&P SCP ETF 464287804   1,434,810 13,580 SH   SOLE   13,580 0 0
JOHNSON & JOHNSON COM 478160104   1,325,365 8,824 SH   SOLE   8,324 0 500
ELI LILLY & CO COM 532457108   1,002,868 1,316 SH   SOLE   1,316 0 0
LOWES COS INC COM 548661107   987,910 4,166 SH   SOLE   4,016 0 150
MARATHON OIL CORP COM 565849106   733,155 24,702 SH   SOLE   22,702 0 2,000
MASCO CORP COM 574599106   338,504 4,575 SH   SOLE   4,075 0 500
MCDONALDS CORP COM 580135101   1,907,557 7,100 SH   SOLE   6,950 0 150
MICROSOFT CORP COM 594918104   6,167,799 14,572 SH   SOLE   13,865 0 707
MICROCHIP TECHNOLOGY INC. COM 595017104   616,630 7,000 SH   SOLE   7,000 0 0
NIKE INC CL B 654106103   744,688 8,367 SH   SOLE   8,067 0 300
PALO ALTO NETWORKS INC COM 697435105   658,104 2,342 SH   SOLE   2,142 0 200
PEPSICO INC COM 713448108   1,107,084 6,553 SH   SOLE   6,303 0 250
PFIZER INC COM 717081103   371,744 14,124 SH   SOLE   3,677 0 10,447
PROCTER AND GAMBLE CO COM 742718109   2,027,704 12,896 SH   SOLE   12,371 0 525
RPM INTL INC COM 749685103   221,280 2,000 SH   SOLE   2,000 0 0
SCHWAB CHARLES CORP COM 808513105   987,600 13,890 SH   SOLE   13,190 0 700
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   5,885,321 96,465 SH   SOLE   95,582 0 883
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   8,377,150 91,165 SH   SOLE   90,739 0 426
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   3,563,932 48,233 SH   SOLE   48,208 0 25
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   9,898,718 125,364 SH   SOLE   123,605 0 1,759
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   5,327,714 112,684 SH   SOLE   108,003 0 4,681
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   501,376 19,623 SH   SOLE   19,608 0 15
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   9,110,487 238,058 SH   SOLE   237,253 0 805
SOUTHERN CO COM 842587107   260,312 3,731 SH   SOLE   592 0 3,139
STARBUCKS CORP COM 855244109   304,865 3,547 SH   SOLE   3,147 0 400
STRYKER CORPORATION COM 863667101   4,233,237 12,160 SH   SOLE   11,240 0 920
SYSCO CORP COM 871829107   300,158 3,875 SH   SOLE   3,875 0 0
TJX COS INC NEW COM 872540109   2,161,101 22,446 SH   SOLE   21,946 0 500
THERMO FISHER SCIENTIFIC INC COM 883556102   226,195 394 SH   SOLE   394 0 0
UNION PAC CORP COM 907818108   382,039 1,613 SH   SOLE   190 0 1,423
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,279,985 30,274 SH   SOLE   27,994 0 2,280
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,123,911 6,091 SH   SOLE   5,591 0 500
WALMART INC COM 931142103   399,728 6,594 SH   SOLE   6,594 0 0
ABBOTT LABS COM 002824100   5,400,170 48,576 SH   SOLE   47,456 0 1,120
ABBVIE INC COM 00287Y109   7,871,051 46,566 SH   SOLE   45,866 0 700
ADOBE INC COM 00724F101   241,174 495 SH   SOLE   495 0 0
ALPHABET INC CAP STK CL C 02079K107   646,406 4,100 SH   SOLE   4,100 0 0
ALPHABET INC CAP STK CL A 02079K305   4,448,000 28,487 SH   SOLE   27,812 0 675
AMAZON COM INC COM 023135106   1,069,451 5,751 SH   SOLE   5,451 0 300
AMERICAN EXPRESS CO COM 025816109   212,891 975 SH   SOLE   725 0 250
AMGEN INC COM 031162100   472,416 1,773 SH   SOLE   1,773 0 0
APPLE INC COM 037833100   6,071,456 36,187 SH   SOLE   35,837 0 350
APPLIED MATLS INC COM 038222105   1,241,913 5,935 SH   SOLE   5,585 0 350
BANK AMERICA CORP COM 060505104   356,678 9,732 SH   SOLE   8,482 0 1,250
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   506,887 1,239 SH   SOLE   1,239 0 0
BLACKROCK INC COM 09247X101   455,301 581 SH   SOLE   581 0 0
CISCO SYS INC COM 17275R102   591,344 11,920 SH   SOLE   9,350 0 2,570
COMCAST CORP NEW CL A 20030N101   812,800 20,305 SH   SOLE   19,180 0 1,125
CONOCOPHILLIPS COM 20825C104   203,879 1,535 SH   SOLE   895 0 640
COSTCO WHSL CORP NEW COM 22160K105   3,896,174 5,392 SH   SOLE   5,030 0 362
EDWARDS LIFESCIENCES CORP COM 28176E108   219,624 2,400 SH   SOLE   2,400 0 0
EXXON MOBIL CORP COM 30231G102   1,081,238 8,848 SH   SOLE   8,698 0 150
META PLATFORMS INC CL A 30303M102   1,354,614 2,606 SH   SOLE   2,606 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   321,480 732 SH   SOLE   732 0 0
ISHARES TR GNMA BOND ETF 46429B333   441,293 10,415 SH   SOLE   10,415 0 0
ISHARES TR MSCI INDIA ETF 46429B598   1,168,892 22,384 SH   SOLE   20,819 0 1,565
ISHARES TR CORE 1 5 YR USD 46432F859   225,685 4,810 SH   SOLE   4,810 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243   373,690 15,429 SH   SOLE   0 0 15,429
JPMORGAN CHASE & CO COM 46625H100   3,702,158 18,829 SH   SOLE   17,065 0 1,764
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   3,858,485 84,579 SH   SOLE   83,913 0 666
MARATHON PETE CORP COM 56585A102   347,246 1,644 SH   SOLE   1,644 0 0
MERCK & CO INC COM 58933Y105   720,954 5,688 SH   SOLE   2,337 0 3,351
NVIDIA CORPORATION COM 67066G104   415,284 477 SH   SOLE   309 0 168
ORACLE CORP COM 68389X105   2,107,210 17,251 SH   SOLE   17,251 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775   1,218,979 13,588 SH   SOLE   13,540 0 48
SPDR SER TR PRTFLO S&P500 VL 78464A508   4,317,046 88,591 SH   SOLE   87,838 0 753
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   7,433,286 13,801 SH   SOLE   13,206 0 595
SALESFORCE INC COM 79466L302   1,946,204 6,487 SH   SOLE   6,287 0 200
SYSTEM1 INC CL A COM 87200P109   45,880 20,950 SH   SOLE   20,950 0 0
TMC THE METALS COMPANY INC COM 87261Y106   18,700 10,000 SH   SOLE   10,000 0 0
TESLA INC COM 88160R101   403,458 2,349 SH   SOLE   2,349 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,153,478 2,563 SH   SOLE   2,448 0 115
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   4,662,025 60,934 SH   SOLE   59,856 0 1,078
VISA INC COM CL A 92826C839   2,840,868 10,350 SH   SOLE   10,200 0 150
WISDOMTREE TR EMER MKT HIGH FD 97717W315   1,898,529 44,608 SH   SOLE   44,035 0 573