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
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   8,815,287 277,997 SH   SOLE   0 0 277,997
JOHNSON & JOHNSON COM 478160104   5,602,427 22,059 SH   SOLE   0 0 22,059
CISCO SYS INC COM 17275R102   5,324,845 45,333 SH   SOLE   0 0 45,333
APPLE INC COM 037833100   5,048,594 17,447 SH   SOLE   0 0 17,447
JPMORGAN CHASE & CO COM 46625H100   4,861,505 14,852 SH   SOLE   0 0 14,852
MICROSOFT CORP COM 594918104   4,320,929 11,584 SH   SOLE   0 0 11,584
ABBVIE INC COM 00287Y109   3,789,447 15,059 SH   SOLE   0 0 15,059
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107   3,631,095 5,163 SH   SOLE   0 0 5,163
AMGEN INC COM 031162100   3,324,986 9,182 SH   SOLE   0 0 9,182
CHEVRON CORPORATION COM 166764100   2,918,536 17,607 SH   SOLE   0 0 17,607
PROCTER & GAMBLE CO COM 742718109   2,916,067 19,886 SH   SOLE   0 0 19,886
HOME DEPOT INC COM 437076102   2,880,375 8,167 SH   SOLE   0 0 8,167
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,285,963 67,552 SH   SOLE   0 0 67,552
AIR PRODUCTS AND CHEMICALS I COM 009158106   2,183,605 7,448 SH   SOLE   0 0 7,448
EXXON MOBIL CORP COM 30231G102   2,122,761 15,526 SH   SOLE   0 0 15,526
PEPSICO INC COM 713448108   2,079,504 15,358 SH   SOLE   0 0 15,358
PHILLIPS 66 COM 718546104   1,957,430 11,579 SH   SOLE   0 0 11,579
NVIDIA CORPORATION COM 67066G104   1,885,448 9,423 SH   SOLE   0 0 9,423
COSTCO WHOLESALE CORPORATION COM 22160K105   1,822,296 1,948 SH   SOLE   0 0 1,948
AMAZON COM INC COM 023135106   1,778,970 7,464 SH   SOLE   0 0 7,464
WALMART INC COM 931142103   1,705,470 15,058 SH   SOLE   0 0 15,058
CUMMINS INC COM 231021106   1,627,545 2,282 SH   SOLE   0 0 2,282
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,529,784 19,357 SH   SOLE   0 0 19,357
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   1,412,538 9,207 SH   SOLE   0 0 9,207
STANLEY BLACK & DECKER INC COM 854502101   1,357,493 14,423 SH   SOLE   0 0 14,423
VERIZON COMMUNICATIONS INC COM 92343V104   1,310,818 30,959 SH   SOLE   0 0 30,959
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,296,202 35,156 SH   SOLE   0 0 35,156
QUALCOMM INC COM 747525103   1,221,277 6,609 SH   SOLE   0 0 6,609
TEXAS INSTRS INC COM 882508104   1,029,236 3,453 SH   SOLE   0 0 3,453
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,007,776 27,893 SH   SOLE   0 0 27,893
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803   1,006,327 5,282 SH   SOLE   0 0 5,282
HONEYWELL AEROSPACE INC COM 43849R105   954,623 4,318 SH   SOLE   0 0 4,318
CHUBB LIMITED COM H1467J104   931,924 2,735 SH   SOLE   0 0 2,735
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   923,022 33,322 SH   SOLE   0 0 33,322
HONEYWELL INTL INC COM 438516106   901,198 4,025 SH   SOLE   0 0 4,025
DUKE ENERGY CORP NEW COM NEW 26441C204   857,073 6,771 SH   SOLE   0 0 6,771
SPDR INDEX SHS FDS ST STR SP GLBDIV 78463X459   829,833 10,385 SH   SOLE   0 0 10,385
ABBOTT LABORATORIES COM 002824100   817,567 9,010 SH   SOLE   0 0 9,010
LOCKHEED MARTIN CORP COM 539830109   803,418 1,577 SH   SOLE   0 0 1,577
MASTERCARD INCORPORATED CL A 57636Q104   794,026 1,546 SH   SOLE   0 0 1,546
VALERO ENERGY CORP COM 91913Y100   774,809 2,975 SH   SOLE   0 0 2,975
SHELL PLC SPON ADS 780259305   772,298 9,960 SH   SOLE   0 0 9,960
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   753,437 25,601 SH   SOLE   0 0 25,601
SPDR SERIES TRUST ST STR P500GRW 78464A409   738,571 6,207 SH   SOLE   0 0 6,207
MERCK & CO INC COM 58933Y105   706,428 5,497 SH   SOLE   0 0 5,497
ISHARES TR MSCI INTL QUALTY 46434V456   692,709 13,980 SH   SOLE   0 0 13,980
CSX CORP COM 126408103   655,914 13,800 SH   SOLE   0 0 13,800
SOLSTICE ADVANCED MATLS INC COM SHS 83443Q103   627,997 7,088 SH   SOLE   0 0 7,088
SALESFORCE INC COM 79466L302   600,008 3,830 SH   SOLE   0 0 3,830
SPDR SERIES TRUST ST STR P500VAL 78464A508   528,751 8,698 SH   SOLE   0 0 8,698
KIMBERLY-CLARK CORP COM 494368103   524,908 4,782 SH   SOLE   0 0 4,782
CROWDSTRIKE HLDGS INC CL A 22788C105   515,120 675 SH   SOLE   0 0 675
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103   514,525 689 SH   SOLE   0 0 689
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   513,227 7,957 SH   SOLE   0 0 7,957
ARM HOLDINGS PLC SPONSORED ADS 042068205   504,553 1,423 SH   SOLE   0 0 1,423
COCA COLA CO COM 191216100   485,386 5,973 SH   SOLE   0 0 5,973
L3HARRIS TECHNOLOGIES INC COM 502431109   467,850 1,610 SH   SOLE   0 0 1,610
BOEING CO COM 097023105   461,731 2,133 SH   SOLE   0 0 2,133
ELI LILLY & CO COM 532457108   460,581 384 SH   SOLE   0 0 384
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464   453,083 2,663 SH   SOLE   0 0 2,663
SPDR SERIES TRUST ST STR SP600GRWO 78464A201   438,041 3,677 SH   SOLE   0 0 3,677
SPDR SERIES TRUST ST STR SP600SM C 78464A300   427,711 3,920 SH   SOLE   0 0 3,920
VANGUARD INDEX FDS LARGE CAP ETF 922908637   412,692 1,200 SH   SOLE   0 0 1,200
ALPHABET INC CAP STK CL C 02079K107   411,629 1,165 SH   SOLE   0 0 1,165
SPDR SERIES TRUST ST STR SP AERO 78464A631   401,563 1,415 SH   SOLE   0 0 1,415
SELECTIVE INS GROUP INC COM 816300107   400,651 4,130 SH   SOLE   0 0 4,130
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   395,594 7,498 SH   SOLE   0 0 7,498
META PLATFORMS INC CL A 30303M102   393,176 698 SH   SOLE   0 0 698
REALTY INCOME CORP COM 756109104   386,016 6,230 SH   SOLE   0 0 6,230
ORACLE CORP COM 68389X105   359,802 2,455 SH   SOLE   0 0 2,455
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   331,082 9,511 SH   SOLE   0 0 9,511
GENUINE PARTS CO COM 372460105   320,564 2,717 SH   SOLE   0 0 2,717
COHERENT CORP COM 19247G107   315,576 800 SH   SOLE   0 0 800
UNION PAC CORP COM 907818108   308,720 1,135 SH   SOLE   0 0 1,135
DUPONT DE NEMOURS INC COM 26614N102   289,320 2,133 SH   SOLE   0 0 2,133
ISHARES TR ISHS 1-5YR INVS 464288646   287,874 5,493 SH   SOLE   0 0 5,493
GENERAL MILLS INC COM 370334104   285,313 8,199 SH   SOLE   0 0 8,199
CORTEVA INC COM 22052L104   277,275 3,274 SH   SOLE   0 0 3,274
ISHARES TR CORE S&P500 ETF 464287200   275,117 367 SH   SOLE   0 0 367
GE VERNOVA INC COM 36828A101   269,043 229 SH   SOLE   0 0 229
ALPHABET INC CAP STK CL A 02079K305   258,736 724 SH   SOLE   0 0 724
MARATHON PETE CORP COM 56585A102   257,598 1,008 SH   SOLE   0 0 1,008
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   244,902 1,035 SH   SOLE   0 0 1,035
ONEOK INC NEW COM 682680103   216,307 2,488 SH   SOLE   0 0 2,488
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   215,049 7,426 SH   SOLE   0 0 7,426