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
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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
AbbottLaboratories COM 002824100   1,212,652 10,721 SH   SOLE   0 0 10,721
AmazonComInc COM 023135106   5,891,280 26,853 SH   SOLE   0 0 26,853
AppleComputerInc COM 037833100   7,967,455 31,816 SH   SOLE   0 0 31,816
Bristol-MyersSquibbCo COM 110122108   1,953,073 34,531 SH   SOLE   0 0 34,531
CFIndustriesHoldings,Inc COM 125269100   1,126,224 13,200 SH   SOLE   0 0 13,200
ChevrontexacoCorp COM 166764100   1,037,923 7,166 SH   SOLE   0 0 7,166
CumminsInc COM 231021106   5,390,402 15,463 SH   SOLE   0 0 15,463
DetroitEdison COM 233331107   3,610,244 29,899 SH   SOLE   0 0 29,899
FIDELITYCOVINGTONTRUST MSCICONSMDIS 316092204   563,904 5,786 SH   SOLE   0 0 5,786
FIDELITYCOVINGTONTRUST MSCIENERGYIDX 316092402   4,181,727 175,408 SH   SOLE   0 0 175,408
FIDELITYCOVINGTONTRUST MSCIHLTHCAREI 316092600   4,266,571 65,288 SH   SOLE   0 0 65,288
FIDELITYCOVINGTONTRUST MSCIINFOTECHI 316092808   2,991,728 16,182 SH   SOLE   0 0 16,182
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   2,161,702 48,177 SH   SOLE   0 0 48,177
FiservCorp COM 337738108   7,359,788 35,828 SH   SOLE   0 0 35,828
ISHARESTR CORES&P500ETF 464287200   21,214,850 36,038 SH   SOLE   0 0 36,038
ISHARESTR COREUSAGGBDET 464287226   23,954,261 247,206 SH   SOLE   0 0 247,206
ISHARES TR 20 YR TR BD ETF 464287432   4,681,150 53,603 SH   SOLE   0 0 53,603
ISHARESTR 13YRTREASBD 464287457   7,518,468 91,711 SH   SOLE   0 0 91,711
ISHARESTR CORES&PMCPETF 464287507   14,580,353 233,997 SH   SOLE   0 0 233,997
ISHARESTR CORES&PUSVLU 464287663   4,644,963 50,167 SH   SOLE   0 0 50,167
ISHARESTR CORES&PSCPETF 464287804   3,327,137 28,876 SH   SOLE   0 0 28,876
ISHARESTR SP SMCP600VL ETF 464287879   4,054,194 37,328 SH   SOLE   0 0 37,328
ISHARESTR NATIONALMUNETF 464288414   809,460 7,597 SH   SOLE   0 0 7,597
ISHARESTR MSCIKLD400SOC 464288570   2,413,924 21,895 SH   SOLE   0 0 21,895
ISHARESTR 37YRTREASBD 464288661   12,048,399 104,270 SH   SOLE   0 0 104,270
ISHARESTR 10+ YR INVST GRD 464289511   9,120,030 184,616 SH   SOLE   0 0 184,616
Johnson&Johnson COM 478160104   3,102,316 21,452 SH   SOLE   0 0 21,452
KLA Corp COM 482480100   1,249,528 1,983 SH   SOLE   0 0 1,983
Lowes COM 548661107   5,126,159 20,771 SH   SOLE   0 0 20,771
MicrosoftCorp. COM 594918104   6,957,279 16,506 SH   SOLE   0 0 16,506
PROCTER AND GAMBLE CO COM 742718109   838,250 5,000 SH   SOLE   0 0 5,000
SCHWABSTRATEGICTR USBRDMKTETF 808524102   1,261,257 55,562 SH   SOLE   0 0 55,562
SCHWABSTRATEGICTR USLRGCAPETF 808524201   243,320 10,497 SH   SOLE   0 0 10,497
SCHWABSTRATEGICTR USMID-CAPETF 808524508   733,622 26,475 SH   SOLE   0 0 26,475
SCHWABSTRATEGICTR USSMLCAPETF 808524607   1,010,195 39,064 SH   SOLE   0 0 39,064
SCHWABSTRATEGICTR USAGGREGATEB 808524839   1,669,018 73,525 SH   SOLE   0 0 73,525
Unilever PLC SPON ADR NEW 904767704   1,130,031 19,930 SH   SOLE   0 0 19,930
UnionPacificCorp COM 907818108   4,388,858 19,246 SH   SOLE   0 0 19,246
VANGUARDBDINDEXFDS TOTALBNDMRKT 921937835   1,824,672 25,374 SH   SOLE   0 0 25,374
VANGUARDWORLDFDS TOTALSTKMKT 922908769   1,214,884 4,192 SH   SOLE   0 0 4,192
TargetCorporation COM 87612E106   1,021,285 7,555 SH   SOLE   0 0 7,555
ABBVIE INC COM 00287Y109   972,374 5,472 SH   SOLE   0 0 5,472
AlphabetIncClassC CAPSTKCLC 02079K107   4,683,110 24,591 SH   SOLE   0 0 24,591
AlphabetIncClassA CAPSTKCLA 02079K305   2,619,155 13,836 SH   SOLE   0 0 13,836
AmeripriseFinancialInc COM 03076C106   2,301,695 4,323 SH   SOLE   0 0 4,323
BroadcomInc COM 11135F101   5,432,243 23,431 SH   SOLE   0 0 23,431
Conocophillips COM 20825C104   1,083,432 10,925 SH   SOLE   0 0 10,925
CostcoCompaniesInc COM 22160K105   4,857,147 5,301 SH   SOLE   0 0 5,301
MetaPlatformsIncClassA CLA 30303M102   1,658,164 2,832 SH   SOLE   0 0 2,832
FIRSTTREXCHANGE-TRADEDFD NASCLNEDGGREEN 33733E500   269,744 7,950 SH   SOLE   0 0 7,950
ISHARESTR COREHIGHDVETF 46429B663   465,654 4,148 SH   SOLE   0 0 4,148
ISHARESTR COREMSCIEAFE 46432F842   3,473,519 49,424 SH   SOLE   0 0 49,424
ISHARES INC MSCI EMRG CHN 46434G764   4,020,569 72,508 SH   SOLE   0 0 72,508
ISHARESTR ESGAWRUSAGRGT 46435U549   2,361,079 50,842 SH   SOLE   0 0 50,842
ISHARES TR ESG SCRND S&P SM 46436E544   334,361 8,129 SH   SOLE   0 0 8,129
ISHARESTR ESG SCRD S&P MID 46436E551   718,743 17,180 SH   SOLE   0 0 17,180
JPMorganChase&Co COM 46625H100   2,065,341 8,616 SH   SOLE   0 0 8,616
MASTERCARD INCORPORATED CL A 57636Q104   2,747,116 5,217 SH   SOLE   0 0 5,217
MckessonCorp. COM 58155Q103   1,946,813 3,416 SH   SOLE   0 0 3,416
Merck&Co.Inc. COM 58933Y105   1,469,785 14,775 SH   SOLE   0 0 14,775
MetlifeInc COM 59156R108   1,293,213 15,794 SH   SOLE   0 0 15,794
NvidiaCorp COM 67066G104   8,422,132 62,716 SH   SOLE   0 0 62,716
SELECTSECTORSPDRTR SBIHEALTHCARE 81369Y209   478,193 3,476 SH   SOLE   0 0 3,476
VANGUARDWORLDFDS INFTECHETF 92204A702   5,371,108 8,638 SH   SOLE   0 0 8,638
VerizonCommunications COM 92343V104   848,268 21,212 SH   SOLE   0 0 21,212
VERTIV HOLDINGS CO COM CL A 92537N108   2,376,267 20,916 SH   SOLE   0 0 20,916
AccentureLTD SHSCLASSA G1151C101   3,824,837 10,873 SH   SOLE   0 0 10,873
LyondellbasellIndustriesNV SHS-A- N53745100   721,756 9,718 SH   SOLE   0 0 9,718