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   1,436,507 10,725 SH   SOLE   0 0 1,436,507
AmazonComInc COM 023135106   5,875,474 26,759 SH   SOLE   0 0 5,875,474
AppleComputerInc COM 037833100   8,155,882 32,030 SH   SOLE   0 0 8,155,882
Bristol-MyersSquibbCo COM 110122108   1,659,094 36,787 SH   SOLE   0 0 1,659,094
CFIndustriesHoldings,Inc COM 125269100   1,205,478 13,439 SH   SOLE   0 0 1,205,478
ChevrontexacoCorp COM 166764100   1,130,666 7,281 SH   SOLE   0 0 1,130,666
CumminsInc COM 231021106   6,467,329 15,312 SH   SOLE   0 0 6,467,329
DetroitEdison COM 233331107   4,342,679 30,706 SH   SOLE   0 0 4,342,679
FIDELITYCOVINGTONTRUST MSCICONSMDIS 316092204   465,281 4,523 SH   SOLE   0 0 465,281
FIDELITYCOVINGTONTRUST MSCIENERGYIDX 316092402   4,386,712 177,456 SH   SOLE   0 0 4,386,712
FIDELITYCOVINGTONTRUST MSCIHLTHCAREI 316092600   279,918 4,186 SH   SOLE   0 0 279,918
FIDELITYCOVINGTONTRUST MSCIINFOTECHI 316092808   3,464,075 15,592 SH   SOLE   0 0 3,464,075
FIDELITYMERRIMACKSTRTR TOTALBDETF 316188309   2,079,228 44,966 SH   SOLE   0 0 2,079,228
FiservCorp COM 337738108   4,610,021 35,756 SH   SOLE   0 0 4,610,021
ISHARESTR CORES&P500ETF 464287200   26,063,881 38,942 SH   SOLE   0 0 26,063,881
ISHARESTR COREUSAGGBDET 464287226   25,437,736 253,743 SH   SOLE   0 0 25,437,736
ISHARESTR 20YRTRBDETF 464287432   4,558,138 51,003 SH   SOLE   0 0 4,558,138
ISHARESTR 13YRTREASBD 464287457   7,912,891 95,382 SH   SOLE   0 0 7,912,891
ISHARESTR CORES&PMCPETF 464287507   15,860,497 243,036 SH   SOLE   0 0 15,860,497
ISHARESTR CORES&PUSVLU 464287663   4,986,605 49,891 SH   SOLE   0 0 4,986,605
ISHARESTR CORES&PSCPETF 464287804   3,500,138 29,455 SH   SOLE   0 0 3,500,138
ISHARESTR SPSMCP600VLETF 464287879   4,582,186 41,434 SH   SOLE   0 0 4,582,186
ISHARESTR NATIONALMUNETF 464288414   768,964 7,221 SH   SOLE   0 0 768,964
ISHARESTR MSCIKLD400SOC 464288570   2,906,674 23,078 SH   SOLE   0 0 2,906,674
ISHARESTR 37YRTREASBD 464288661   12,239,617 102,415 SH   SOLE   0 0 12,239,617
ISHARESTR 10+YRINVSTGRD 464289511   10,326,657 200,362 SH   SOLE   0 0 10,326,657
Johnson&Johnson COM 478160104   4,102,510 22,126 SH   SOLE   0 0 4,102,510
KLACorp COM 482480100   2,135,628 1,980 SH   SOLE   0 0 2,135,628
Lowes COM 548661107   5,339,207 21,246 SH   SOLE   0 0 5,339,207
MicrosoftCorp. COM 594918104   8,451,390 16,317 SH   SOLE   0 0 8,451,390
PROCTERANDGAMBLECO COM 742718109   768,250 5,000 SH   SOLE   0 0 768,250
SCHWABSTRATEGICTR USBRDMKTETF 808524102   1,717,968 66,821 SH   SOLE   0 0 1,717,968
SCHWABSTRATEGICTR USLRGCAPETF 808524201   276,491 10,497 SH   SOLE   0 0 276,491
SCHWABSTRATEGICTR USMID-CAPETF 808524508   734,627 24,785 SH   SOLE   0 0 734,627
SCHWABSTRATEGICTR USSMLCAPETF 808524607   994,914 35,660 SH   SOLE   0 0 994,914
SCHWABSTRATEGICTR USAGGREGATEB 808524839   1,560,121 66,473 SH   SOLE   0 0 1,560,121
UnileverPLC SPONADRNEW 904767704   1,205,696 20,339 SH   SOLE   0 0 1,205,696
UnionPacificCorp COM 907818108   4,776,565 20,208 SH   SOLE   0 0 4,776,565
VANGUARDBDINDEXFDS TOTALBNDMRKT 921937835   1,807,615 24,306 SH   SOLE   0 0 1,807,615
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   201,840 1,432 SH   SOLE   0 0 201,840
VANGUARDWORLDFDS TOTALSTKMKT 922908769   1,370,766 4,177 SH   SOLE   0 0 1,370,766
TargetCorporation COM 87612E106   719,663 8,023 SH   SOLE   0 0 719,663
ABBVIEINC COM 00287Y109   1,306,812 5,644 SH   SOLE   0 0 1,306,812
AlphabetIncClassC CAPSTKCLC 02079K107   6,029,080 24,755 SH   SOLE   0 0 6,029,080
AlphabetIncClassA CAPSTKCLA 02079K305   3,133,073 12,888 SH   SOLE   0 0 3,133,073
AmeripriseFinancialInc COM 03076C106   2,096,655 4,268 SH   SOLE   0 0 2,096,655
BroadcomInc COM 11135F101   7,230,308 21,916 SH   SOLE   0 0 7,230,308
Conocophillips COM 20825C104   1,066,124 11,271 SH   SOLE   0 0 1,066,124
CostcoCompaniesInc COM 22160K105   4,878,070 5,270 SH   SOLE   0 0 4,878,070
MetaPlatformsIncClassA CLA 30303M102   2,001,186 2,725 SH   SOLE   0 0 2,001,186
ISHARESTR COREHIGHDVETF 46429B663   433,840 3,543 SH   SOLE   0 0 433,840
ISHARESTR COREMSCIEAFE 46432F842   4,502,402 51,568 SH   SOLE   0 0 4,502,402
ISHARESINC MSCIEMRGCHN 46434G764   5,075,334 75,179 SH   SOLE   0 0 5,075,334
ISHARES INC ESG AWR MSCI EM 46434G863   208,416 4,800 SH   SOLE   0 0 208,416
ISHARESTR ESGAWRUSAGRGT 46435U549   2,547,151 53,033 SH   SOLE   0 0 2,547,151
ISHARESTR ESGSCRNDS&PSM 46436E544   444,539 10,445 SH   SOLE   0 0 444,539
ISHARESTR ESGSCRDS&PMID 46436E551   856,873 19,541 SH   SOLE   0 0 856,873
JPMorganChase&Co COM 46625H100   2,635,733 8,356 SH   SOLE   0 0 2,635,733
MASTERCARDINCORPORATED CLA 57636Q104   3,006,730 5,286 SH   SOLE   0 0 3,006,730
MckessonCorp. COM 58155Q103   2,575,648 3,334 SH   SOLE   0 0 2,575,648
Merck&Co.Inc. COM 58933Y105   1,296,316 15,445 SH   SOLE   0 0 1,296,316
MetlifeInc COM 59156R108   1,326,322 16,102 SH   SOLE   0 0 1,326,322
NvidiaCorp COM 67066G104   10,183,163 54,578 SH   SOLE   0 0 10,183,163
SELECTSECTORSPDRTR SBIHEALTHCARE 81369Y209   483,755 3,476 SH   SOLE   0 0 483,755
VANGUARDWORLDFDS INFTECHETF 92204A702   5,945,415 7,963 SH   SOLE   0 0 5,945,415
VerizonCommunications COM 92343V104   968,222 22,030 SH   SOLE   0 0 968,222
VERTIVHOLDINGSCO COMCLA 92537N108   3,162,327 20,962 SH   SOLE   0 0 3,162,327
AccentureLTD SHSCLASSA G1151C101   3,389,640 13,746 SH   SOLE   0 0 3,389,640