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
3M CO COM 88579Y101   279,859 2,560 SH   SOLE   0 0 2,560
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   756,211 2,155 SH   SOLE   0 0 2,155
ALPHABET INC CAP STK CL A 02079K305   4,165,416 29,819 SH   SOLE   0 0 29,819
ALPHABET INC CAP STK CL C 02079K107   425,750 3,021 SH   SOLE   0 0 3,021
AMAZON COM INC COM 023135106   4,430,722 29,161 SH   SOLE   0 0 29,161
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   6,209,319 99,365 SH   SOLE   0 0 99,365
APPLE INC COM 037833100   2,743,360 14,249 SH   SOLE   0 0 14,249
BANK AMERICA CORP 7.25%CNV PFD L 060505682   2,725,138 2,261 SH   SOLE   0 0 2,261
BERKSHIRE HATHAWAY INC DEL CL A 084670108   1,085,250 2 SH   SOLE   0 0 2
COCA COLA CO COM 191216100   389,763 6,614 SH   SOLE   0 0 6,614
CUMMINS INC COM 231021106   323,659 1,351 SH   SOLE   0 0 1,351
DELL TECHNOLOGIES INC CL C 24703L202   218,025 2,850 SH   SOLE   0 0 2,850
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   1,433,671 41,725 SH   SOLE   0 0 41,725
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   1,311,222 54,385 SH   SOLE   0 0 54,385
DUKE ENERGY CORP NEW COM NEW 26441C204   2,695,092 27,773 SH   SOLE   0 0 27,773
EXXON MOBIL CORP COM 30231G102   503,799 5,039 SH   SOLE   0 0 5,039
FASTENAL CO COM 311900104   388,620 6,000 SH   SOLE   0 0 6,000
GENERAL ELECTRIC CO COM NEW 369604301   233,180 1,827 SH   SOLE   0 0 1,827
GILEAD SCIENCES INC COM 375558103   215,811 2,664 SH   SOLE   0 0 2,664
HCA HEALTHCARE INC COM 40412C101   331,312 1,224 SH   SOLE   0 0 1,224
HOME DEPOT INC COM 437076102   1,196,871 3,454 SH   SOLE   0 0 3,454
ISHARES TR CORE S&P US GWT 464287671   2,538,221 24,383 SH   SOLE   0 0 24,383
ISHARES TR CORE DIV GRWTH 46434V621   57,879,684 1,075,431 SH   SOLE   0 0 1,075,431
ISHARES TR CORE MSCI EAFE 46432F842   833,129 11,843 SH   SOLE   0 0 11,843
ISHARES TR GL CLEAN ENE ETF 464288224   830,893 53,365 SH   SOLE   0 0 53,365
ISHARES TR CORE S&P500 ETF 464287200   4,127,828 8,642 SH   SOLE   0 0 8,642
JOHNSON & JOHNSON COM 478160104   750,785 4,790 SH   SOLE   0 0 4,790
LINDE PLC SHS G54950103   262,854 640 SH   SOLE   0 0 640
MCDONALDS CORP COM 580135101   217,935 735 SH   SOLE   0 0 735
MICROSOFT CORP COM 594918104   913,777 2,430 SH   SOLE   0 0 2,430
NVIDIA CORPORATION COM 67066G104   493,734 997 SH   SOLE   0 0 997
ORACLE CORP COM 68389X105   235,636 2,235 SH   SOLE   0 0 2,235
PEPSICO INC COM 713448108   841,557 4,955 SH   SOLE   0 0 4,955
QUALCOMM INC COM 747525103   245,871 1,700 SH   SOLE   0 0 1,700
SALESFORCE INC COM 79466L302   1,185,709 4,506 SH   SOLE   0 0 4,506
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   13,161,913 390,214 SH   SOLE   0 0 390,214
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   753,501 10,004 SH   SOLE   0 0 10,004
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   4,640,055 132,991 SH   SOLE   0 0 132,991
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   7,980,557 294,051 SH   SOLE   0 0 294,051
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   9,311,848 168,236 SH   SOLE   0 0 168,236
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   305,407 1,708 SH   SOLE   0 0 1,708
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   385,851 10,262 SH   SOLE   0 0 10,262
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,830,870 9,512 SH   SOLE   0 0 9,512
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   416,914 3,057 SH   SOLE   0 0 3,057
SELECT SECTOR SPDR TR INDL 81369Y704   322,136 2,826 SH   SOLE   0 0 2,826
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   277,053 3,813 SH   SOLE   0 0 3,813
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   7,935,946 233,342 SH   SOLE   0 0 233,342
SPDR SER TR S&P DIVID ETF 78464A763   1,023,754 8,192 SH   SOLE   0 0 8,192
THE CIGNA GROUP COM 125523100   45,425,966 151,698 SH   SOLE   0 0 151,698
UNION PAC CORP COM 907818108   588,260 2,395 SH   SOLE   0 0 2,395
VANGUARD INDEX FDS LARGE CAP ETF 922908637   305,410 1,400 SH   SOLE   0 0 1,400
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,351,561 6,336 SH   SOLE   0 0 6,336
VANGUARD INDEX FDS TOTAL STK MKT 922908769   864,489 3,644 SH   SOLE   0 0 3,644
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   11,159,929 271,531 SH   SOLE   0 0 271,531
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   205,760 2,000 SH   SOLE   0 0 2,000
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   440,699 7,850 SH   SOLE   0 0 7,850
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   4,938,842 28,984 SH   SOLE   0 0 28,984
VERIZON COMMUNICATIONS INC COM 92343V104   2,687,482 71,286 SH   SOLE   0 0 71,286
WELLS FARGO CO NEW PERP PFD CNV A 949746804   1,915,383 1,602 SH   SOLE   0 0 1,602
WISDOMTREE TR US LARGECAP DIVD 97717W307   238,968 3,600 SH   SOLE   0 0 3,600