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
3M CO COM 88579Y101   250,225 2,500 SH   SOLE   0 0 2,500
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   617,469 2,001 SH   SOLE   0 0 2,001
ALPHABET INC CAP STK CL C 02079K107   320,208 2,647 SH   SOLE   0 0 2,647
ALPHABET INC CAP STK CL A 02079K305   3,767,438 31,474 SH   SOLE   0 0 31,474
AMAZON COM INC COM 023135106   3,860,220 29,612 SH   SOLE   0 0 29,612
APPLE INC COM 037833100   2,774,741 14,305 SH   SOLE   0 0 14,305
BANK AMERICA CORP 7.25%CNV PFD L 060505682   2,132,712 1,820 SH   SOLE   0 0 1,820
BERKSHIRE HATHAWAY INC DEL CL A 084670108   1,035,620 2 SH   SOLE   0 0 2
COCA COLA CO COM 191216100   398,295 6,614 SH   SOLE   0 0 6,614
CUMMINS INC COM 231021106   331,211 1,351 SH   SOLE   0 0 1,351
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   1,463,139 44,540 SH   SOLE   0 0 44,540
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   1,377,032 58,697 SH   SOLE   0 0 58,697
DUKE ENERGY CORP NEW COM NEW 26441C204   3,963,816 44,170 SH   SOLE   0 0 44,170
EXXON MOBIL CORP COM 30231G102   540,433 5,039 SH   SOLE   0 0 5,039
FASTENAL CO COM 311900104   353,940 6,000 SH   SOLE   0 0 6,000
FIRST INDL RLTY TR INC COM 32054K103   222,983 4,236 SH   SOLE   0 0 4,236
GENERAL ELECTRIC CO COM NEW 369604301   200,696 1,827 SH   SOLE   0 0 1,827
GENERAL MLS INC COM 370334104   227,722 2,969 SH   SOLE   0 0 2,969
GILEAD SCIENCES INC COM 375558103   205,314 2,664 SH   SOLE   0 0 2,664
HCA HEALTHCARE INC COM 40412C101   318,351 1,049 SH   SOLE   0 0 1,049
HOME DEPOT INC COM 437076102   1,026,565 3,305 SH   SOLE   0 0 3,305
ISHARES TR CORE S&P500 ETF 464287200   3,984,787 8,940 SH   SOLE   0 0 8,940
ISHARES TR CORE S&P US GWT 464287671   2,291,128 23,465 SH   SOLE   0 0 23,465
ISHARES TR CORE DIV GRWTH 46434V621   59,549,515 1,155,628 SH   SOLE   0 0 1,155,628
ISHARES TR CORE MSCI EAFE 46432F842   811,933 12,029 SH   SOLE   0 0 12,029
ISHARES TR 20+ YEAR TR BD 46436E338   4,081,104 121,824 SH   SOLE   0 0 121,824
ISHARES TR ISHARES SEMICDTR 464287523   381,967 753 SH   SOLE   0 0 753
JOHNSON & JOHNSON COM 478160104   736,564 4,450 SH   SOLE   0 0 4,450
LINDE PLC SHS G54950103   243,891 640 SH   SOLE   0 0 640
MCDONALDS CORP COM 580135101   219,331 735 SH   SOLE   0 0 735
MICROSOFT CORP COM 594918104   650,091 1,909 SH   SOLE   0 0 1,909
NVIDIA CORPORATION COM 67066G104   393,409 930 SH   SOLE   0 0 930
ORACLE CORP COM 68389X105   214,362 1,800 SH   SOLE   0 0 1,800
PEPSICO INC COM 713448108   909,801 4,912 SH   SOLE   0 0 4,912
PFIZER INC COM 717081103   203,222 5,540 SH   SOLE   0 0 5,540
SALESFORCE INC COM 79466L302   985,528 4,665 SH   SOLE   0 0 4,665
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   4,502,520 133,329 SH   SOLE   0 0 133,329
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   710,584 10,004 SH   SOLE   0 0 10,004
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   7,052,078 218,398 SH   SOLE   0 0 218,398
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   6,308,419 125,043 SH   SOLE   0 0 125,043
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   7,169,141 267,805 SH   SOLE   0 0 267,805
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   290,035 1,708 SH   SOLE   0 0 1,708
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   352,101 10,445 SH   SOLE   0 0 10,445
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   412,790 3,110 SH   SOLE   0 0 3,110
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   303,286 2,826 SH   SOLE   0 0 2,826
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   253,096 3,889 SH   SOLE   0 0 3,889
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,653,756 9,512 SH   SOLE   0 0 9,512
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   7,730,285 237,563 SH   SOLE   0 0 237,563
SPDR SER TR S&P DIVID ETF 78464A763   1,004,175 8,192 SH   SOLE   0 0 8,192
SPDR SER TR S&P KENSHO CLEAN 78468R655   1,168,633 13,812 SH   SOLE   0 0 13,812
THE CIGNA GROUP COM 125523100   47,538,691 169,418 SH   SOLE   0 0 169,418
UNION PAC CORP COM 907818108   490,065 2,395 SH   SOLE   0 0 2,395
UNITEDHEALTH GROUP INC COM 91324P102   606,087 1,261 SH   SOLE   0 0 1,261
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,260,075 6,336 SH   SOLE   0 0 6,336
VANGUARD INDEX FDS LARGE CAP ETF 922908637   283,808 1,400 SH   SOLE   0 0 1,400
VANGUARD INDEX FDS TOTAL STK MKT 922908769   802,756 3,644 SH   SOLE   0 0 3,644
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   11,096,730 272,781 SH   SOLE   0 0 272,781
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   427,119 7,850 SH   SOLE   0 0 7,850
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   4,759,493 29,302 SH   SOLE   0 0 29,302
VANGUARD WORLD FD MEGA GRWTH IND 921910816   201,669 857 SH   SOLE   0 0 857
VERIZON COMMUNICATIONS INC COM 92343V104   812,713 21,853 SH   SOLE   0 0 21,853
WELLS FARGO CO NEW PERP PFD CNV A 949746804   2,263,680 1,965 SH   SOLE   0 0 1,965
WISDOMTREE TR US LARGECAP DIVD 97717W307   228,960 3,600 SH   SOLE   0 0 3,600