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
AbbottLaboratories COM 002824100   1,213,864 10,647 SH   SOLE   0 0 10,647
AmazonComInc COM 023135106   4,942,031 26,523 SH   SOLE   0 0 26,523
AppleComputerInc COM 037833100   7,208,321 30,937 SH   SOLE   0 0 30,937
Bristol-MyersSquibbCo COM 110122108   1,687,811 32,621 SH   SOLE   0 0 32,621
CFIndustriesHoldings,Inc COM 125269100   1,126,468 13,129 SH   SOLE   0 0 13,129
ChevrontexacoCorp COM 166764100   1,046,353 7,105 SH   SOLE   0 0 7,105
CumminsInc COM 231021106   5,037,201 15,557 SH   SOLE   0 0 15,557
DetroitEdison COM 233331107   3,665,656 28,547 SH   SOLE   0 0 28,547
FIDELITYCOVINGTONTRUST MSCICONSMDIS 316092204   507,469 5,738 SH   SOLE   0 0 5,738
FIDELITYCOVINGTONTRUST MSCIENERGYIDX 316092402   4,066,462 168,873 SH   SOLE   0 0 168,873
FIDELITYCOVINGTONTRUST MSCIHLTHCAREI 316092600   4,817,758 66,178 SH   SOLE   0 0 66,178
FIDELITYCOVINGTONTRUST MSCIINFOTECHI 316092808   2,900,365 16,621 SH   SOLE   0 0 16,621
FiservCorp COM 337738108   6,566,208 36,550 SH   SOLE   0 0 36,550
ISHARESTR CORES&P500ETF 464287200   20,024,306 34,715 SH   SOLE   0 0 34,715
ISHARESTR COREUSAGGBDET 464287226   24,164,845 238,618 SH   SOLE   0 0 238,618
ISHARES TR 20 YR TR BD ETF 464287432   5,133,769 52,332 SH   SOLE   0 0 52,332
ISHARESTR 13YRTREASBD 464287457   7,029,335 84,538 SH   SOLE   0 0 84,538
ISHARESTR CORES&PMCPETF 464287507   14,058,678 225,589 SH   SOLE   0 0 225,589
ISHARESTR CORES&PUSVLU 464287663   4,905,226 51,369 SH   SOLE   0 0 51,369
ISHARESTR CORES&PSCPETF 464287804   3,364,802 28,769 SH   SOLE   0 0 28,769
ISHARESTR SP SMCP600VL ETF 464287879   3,839,156 35,660 SH   SOLE   0 0 35,660
ISHARESTR NATIONALMUNETF 464288414   850,247 7,827 SH   SOLE   0 0 7,827
ISHARESTR MSCIKLD400SOC 464288570   2,282,958 20,985 SH   SOLE   0 0 20,985
ISHARESTR 37YRTREASBD 464288661   11,908,114 99,562 SH   SOLE   0 0 99,562
ISHARESTR 10+ YR INVST GRD 464289511   7,115,734 132,781 SH   SOLE   0 0 132,781
Johnson&Johnson COM 478160104   3,281,472 20,249 SH   SOLE   0 0 20,249
KLA Corp COM 482480100   1,458,214 1,883 SH   SOLE   0 0 1,883
Lowes COM 548661107   5,565,290 20,548 SH   SOLE   0 0 20,548
MicrosoftCorp. COM 594918104   7,050,035 16,384 SH   SOLE   0 0 16,384
NOVO-NORDISK A S ADR 670100205   2,466,535 20,715 SH   SOLE   0 0 20,715
SCHWABSTRATEGICTR USBRDMKTETF 808524102   1,292,484 19,430 SH   SOLE   0 0 19,430
SCHWABSTRATEGICTR USLRGCAPETF 808524201   237,407 3,499 SH   SOLE   0 0 3,499
SCHWABSTRATEGICTR USMID-CAPETF 808524508   756,285 9,102 SH   SOLE   0 0 9,102
SCHWABSTRATEGICTR USSMLCAPETF 808524607   1,020,988 19,825 SH   SOLE   0 0 19,825
SCHWABSTRATEGICTR USAGGREGATEB 808524839   1,646,045 34,639 SH   SOLE   0 0 34,639
Unilever PLC SPON ADR NEW 904767704   1,280,037 19,705 SH   SOLE   0 0 19,705
UnionPacificCorp COM 907818108   4,650,831 18,869 SH   SOLE   0 0 18,869
VANGUARDBDINDEXFDS TOTALBNDMRKT 921937835   1,790,998 23,845 SH   SOLE   0 0 23,845
VANGUARDWORLDFDS TOTALSTKMKT 922908769   1,187,007 4,192 SH   SOLE   0 0 4,192
TargetCorporation COM 87612E106   1,169,418 7,503 SH   SOLE   0 0 7,503
ABBVIE INC COM 00287Y109   1,061,850 5,377 SH   SOLE   0 0 5,377
AlphabetIncClassC CAPSTKCLC 02079K107   4,070,408 24,346 SH   SOLE   0 0 24,346
AlphabetIncClassA CAPSTKCLA 02079K305   2,294,866 13,837 SH   SOLE   0 0 13,837
AmeripriseFinancialInc COM 03076C106   2,127,300 4,528 SH   SOLE   0 0 4,528
BroadcomInc COM 11135F101   4,027,358 23,347 SH   SOLE   0 0 23,347
Conocophillips COM 20825C104   1,121,864 10,656 SH   SOLE   0 0 10,656
CostcoCompaniesInc COM 22160K105   4,813,804 5,430 SH   SOLE   0 0 5,430
MetaPlatformsIncClassA CLA 30303M102   1,642,903 2,870 SH   SOLE   0 0 2,870
FIRSTTREXCHANGE-TRADEDFD NASCLNEDGGREEN 33733E500   303,583 8,454 SH   SOLE   0 0 8,454
ISHARESTR COREHIGHDVETF 46429B663   484,594 4,120 SH   SOLE   0 0 4,120
ISHARESTR COREMSCIEAFE 46432F842   3,848,489 49,308 SH   SOLE   0 0 49,308
ISHARES INC MSCI EMRG CHN 46434G764   4,451,008 72,836 SH   SOLE   0 0 72,836
ISHARESTR ESGAWRUSAGRGT 46435U549   2,181,108 44,888 SH   SOLE   0 0 44,888
ISHARES TR ESG SCRND S&P SM 46436E544   306,723 7,336 SH   SOLE   0 0 7,336
ISHARESTR ESG SCRD S&P MID 46436E551   686,892 16,243 SH   SOLE   0 0 16,243
JPMorganChase&Co COM 46625H100   1,842,495 8,738 SH   SOLE   0 0 8,738
MASTERCARD INCORPORATED CL A 57636Q104   2,501,097 5,065 SH   SOLE   0 0 5,065
MckessonCorp. COM 58155Q103   1,701,299 3,441 SH   SOLE   0 0 3,441
Merck&Co.Inc. COM 58933Y105   1,287,998 11,342 SH   SOLE   0 0 11,342
MetlifeInc COM 59156R108   1,301,040 15,774 SH   SOLE   0 0 15,774
NvidiaCorp COM 67066G104   8,578,643 70,641 SH   SOLE   0 0 70,641
SELECTSECTORSPDRTR SBIHEALTHCARE 81369Y209   535,374 3,476 SH   SOLE   0 0 3,476
VANGUARDWORLDFDS INFTECHETF 92204A702   5,289,824 9,019 SH   SOLE   0 0 9,019
VerizonCommunications COM 92343V104   943,379 21,006 SH   SOLE   0 0 21,006
VERTIV HOLDINGS CO COM CL A 92537N108   2,033,874 20,443 SH   SOLE   0 0 20,443
AccentureLTD SHSCLASSA G1151C101   3,775,697 10,682 SH   SOLE   0 0 10,682
LyondellbasellIndustriesNV SHS-A- N53745100   934,450 9,744 SH   SOLE   0 0 9,744