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   1,415,536 10,749 SH   SOLE   0 0 1,415,536
AmazonComInc COM 023135106   5,105,765 26,569 SH   SOLE   0 0 5,105,765
AppleComputerInc COM 037833100   7,136,873 31,977 SH   SOLE   0 0 7,136,873
Bristol-MyersSquibbCo COM 110122108   2,099,257 35,252 SH   SOLE   0 0 2,099,257
CFIndustriesHoldings,Inc COM 125269100   1,056,557 13,275 SH   SOLE   0 0 1,056,557
ChevrontexacoCorp COM 166764100   1,199,791 7,120 SH   SOLE   0 0 1,199,791
CumminsInc COM 231021106   4,866,951 15,433 SH   SOLE   0 0 4,866,951
DetroitEdison COM 233331107   4,159,736 30,161 SH   SOLE   0 0 4,159,736
FIDELITYCOVINGTONTRUST MSCICONSMDIS 316092204   405,194 4,743 SH   SOLE   0 0 405,194
FIDELITYCOVINGTONTRUST MSCIENERGYIDX 316092402   4,510,445 175,572 SH   SOLE   0 0 4,510,445
FIDELITYCOVINGTONTRUST MSCIHLTHCAREI 316092600   4,367,417 65,127 SH   SOLE   0 0 4,367,417
FIDELITYCOVINGTONTRUST MSCIINFOTECHI 316092808   2,505,657 15,409 SH   SOLE   0 0 2,505,657
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   2,134,493 46,676 SH   SOLE   0 0 2,134,493
FiservCorp COM 337738108   7,822,078 35,233 SH   SOLE   0 0 7,822,078
ISHARESTR CORES&P500ETF 464287200   20,300,590 36,008 SH   SOLE   0 0 20,300,590
ISHARESTR COREUSAGGBDET 464287226   24,785,423 250,459 SH   SOLE   0 0 24,785,423
ISHARES TR 20 YR TR BD ETF 464287432   4,864,706 53,172 SH   SOLE   0 0 4,864,706
ISHARESTR 13YRTREASBD 464287457   7,524,898 91,233 SH   SOLE   0 0 7,524,898
ISHARESTR CORES&PMCPETF 464287507   14,091,322 240,220 SH   SOLE   0 0 14,091,322
ISHARESTR CORES&PUSVLU 464287663   4,624,947 50,173 SH   SOLE   0 0 4,624,947
ISHARESTR CORES&PSCPETF 464287804   3,045,756 29,063 SH   SOLE   0 0 3,045,756
ISHARESTR SP SMCP600VL ETF 464287879   3,998,320 40,958 SH   SOLE   0 0 3,998,320
ISHARESTR NATIONALMUNETF 464288414   761,888 7,221 SH   SOLE   0 0 761,888
ISHARESTR MSCIKLD400SOC 464288570   2,430,704 23,622 SH   SOLE   0 0 2,430,704
ISHARESTR 37YRTREASBD 464288661   12,331,691 104,497 SH   SOLE   0 0 12,331,691
ISHARESTR 10+ YR INVST GRD 464289511   9,766,606 194,399 SH   SOLE   0 0 9,766,606
Johnson&Johnson COM 478160104   3,299,089 21,528 SH   SOLE   0 0 3,299,089
KLA Corp COM 482480100   1,356,730 1,988 SH   SOLE   0 0 1,356,730
Lowes COM 548661107   4,891,862 20,905 SH   SOLE   0 0 4,891,862
MicrosoftCorp. COM 594918104   6,356,584 16,632 SH   SOLE   0 0 6,356,584
PROCTER AND GAMBLE CO COM 742718109   852,800 5,000 SH   SOLE   0 0 852,800
SCHWABSTRATEGICTR USBRDMKTETF 808524102   1,194,839 55,291 SH   SOLE   0 0 1,194,839
SCHWABSTRATEGICTR USLRGCAPETF 808524201   232,718 10,497 SH   SOLE   0 0 232,718
SCHWABSTRATEGICTR USMID-CAPETF 808524508   700,688 26,632 SH   SOLE   0 0 700,688
SCHWABSTRATEGICTR USSMLCAPETF 808524607   901,045 38,375 SH   SOLE   0 0 901,045
SCHWABSTRATEGICTR USAGGREGATEB 808524839   1,712,585 73,882 SH   SOLE   0 0 1,712,585
Unilever PLC SPON ADR NEW 904767704   1,195,927 20,076 SH   SOLE   0 0 1,195,927
UnionPacificCorp COM 907818108   4,719,683 19,900 SH   SOLE   0 0 4,719,683
VANGUARDBDINDEXFDS TOTALBNDMRKT 921937835   1,793,033 24,415 SH   SOLE   0 0 1,793,033
VANGUARDWORLDFDS TOTALSTKMKT 922908769   1,156,028 4,192 SH   SOLE   0 0 1,156,028
TargetCorporation COM 87612E106   802,127 7,681 SH   SOLE   0 0 802,127
ABBVIE INC COM 00287Y109   1,137,373 5,514 SH   SOLE   0 0 1,137,373
AlphabetIncClassC CAPSTKCLC 02079K107   3,981,533 25,060 SH   SOLE   0 0 3,981,533
AlphabetIncClassA CAPSTKCLA 02079K305   2,087,932 13,293 SH   SOLE   0 0 2,087,932
AmeripriseFinancialInc COM 03076C106   2,095,460 4,288 SH   SOLE   0 0 2,095,460
BroadcomInc COM 11135F101   3,892,643 23,099 SH   SOLE   0 0 3,892,643
Conocophillips COM 20825C104   1,152,440 10,935 SH   SOLE   0 0 1,152,440
CostcoCompaniesInc COM 22160K105   4,974,333 5,212 SH   SOLE   0 0 4,974,333
MetaPlatformsIncClassA CLA 30303M102   1,646,074 2,809 SH   SOLE   0 0 1,646,074
ISHARESTR COREHIGHDVETF 46429B663   439,982 3,651 SH   SOLE   0 0 439,982
ISHARESTR COREMSCIEAFE 46432F842   3,792,986 50,013 SH   SOLE   0 0 3,792,986
ISHARES INC MSCI EMRG CHN 46434G764   4,052,443 73,162 SH   SOLE   0 0 4,052,443
ISHARESTR ESGAWRUSAGRGT 46435U549   2,532,276 53,379 SH   SOLE   0 0 2,532,276
ISHARES TR ESG SCRND S&P SM 46436E544   358,571 9,520 SH   SOLE   0 0 358,571
ISHARESTR ESG SCRD S&P MID 46436E551   775,267 19,747 SH   SOLE   0 0 775,267
JPMorganChase&Co COM 46625H100   2,080,613 8,539 SH   SOLE   0 0 2,080,613
MASTERCARD INCORPORATED CL A 57636Q104   2,839,636 5,177 SH   SOLE   0 0 2,839,636
MckessonCorp. COM 58155Q103   2,297,957 3,411 SH   SOLE   0 0 2,297,957
Merck&Co.Inc. COM 58933Y105   1,296,006 14,876 SH   SOLE   0 0 1,296,006
MetlifeInc COM 59156R108   1,288,415 15,875 SH   SOLE   0 0 1,288,415
NvidiaCorp COM 67066G104   6,218,188 56,452 SH   SOLE   0 0 6,218,188
SELECTSECTORSPDRTR SBIHEALTHCARE 81369Y209   498,250 3,476 SH   SOLE   0 0 498,250
VANGUARDWORLDFDS INFTECHETF 92204A702   4,613,986 8,436 SH   SOLE   0 0 4,613,986
VerizonCommunications COM 92343V104   966,730 21,303 SH   SOLE   0 0 966,730
VERTIV HOLDINGS CO COM CL A 92537N108   1,793,985 23,834 SH   SOLE   0 0 1,793,985
AccentureLTD SHSCLASSA G1151C101   4,220,003 13,458 SH   SOLE   0 0 4,220,003