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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   422,930 1,415 SH   SOLE   0 0 1,415
LINDE PLC SHS G54950103   374,875 799 SH   SOLE   0 0 799
MEDTRONIC PLC SHS G5960L103   394,793 4,529 SH   SOLE   0 0 4,529
CHUBB LIMITED COM H1467J104   362,440 1,251 SH   SOLE   0 0 1,251
CHECK POINT SOFTWARE TECH LT ORD M22465104   889,647 4,021 SH   SOLE   0 0 4,021
AFLAC INC COM 001055102   211,448 2,005 SH   SOLE   0 0 2,005
ABBOTT LABS COM 002824100   654,001 4,808 SH   SOLE   0 0 4,808
ABBVIE INC COM 00287Y109   1,778,611 9,582 SH   SOLE   0 0 9,582
AIRBNB INC COM CL A 009066101   473,513 3,578 SH   SOLE   0 0 3,578
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   1,508,694 13,303 SH   SOLE   0 0 13,303
ALPHABET INC CAP STK CL C 02079K107   5,315,669 29,966 SH   SOLE   0 0 29,966
ALPHABET INC CAP STK CL A 02079K305   319,329 1,812 SH   SOLE   0 0 1,812
AMAZON COM INC COM 023135106   2,911,086 13,269 SH   SOLE   0 0 13,269
AMBEV SA SPONSORED ADR 02319V103   288,959 119,900 SH   SOLE   0 0 119,900
AMERICAN EXPRESS CO COM 025816109   4,712,930 14,775 SH   SOLE   0 0 14,775
AMGEN INC COM 031162100   1,822,125 6,526 SH   SOLE   0 0 6,526
APPLE INC COM 037833100   6,760,653 32,951 SH   SOLE   0 0 32,951
APPLIED MATLS INC COM 038222105   1,499,344 8,190 SH   SOLE   0 0 8,190
BANK AMERICA CORP COM 060505104   2,217,226 46,856 SH   SOLE   0 0 46,856
BANK NEW YORK MELLON CORP COM 064058100   1,967,065 21,590 SH   SOLE   0 0 21,590
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,948,339 8,128 SH   SOLE   0 0 8,128
BLACKROCK INC COM 09290D101   1,573,932 1,500 SH   SOLE   0 0 1,500
BOEING CO COM 097023105   717,012 3,422 SH   SOLE   0 0 3,422
BOOKING HOLDINGS INC COM 09857L108   1,007,328 174 SH   SOLE   0 0 174
THE CIGNA GROUP COM 125523100   1,149,097 3,476 SH   SOLE   0 0 3,476
CVS HEALTH CORP COM 126650100   1,360,364 19,721 SH   SOLE   0 0 19,721
CARRIER GLOBAL CORPORATION COM 14448C104   246,138 3,363 SH   SOLE   0 0 3,363
CEMEX SAB DE CV SPON ADR NEW 151290889   166,320 24,000 SH   SOLE   0 0 24,000
CHIPOTLE MEXICAN GRILL INC COM 169656105   362,168 6,450 SH   SOLE   0 0 6,450
CISCO SYS INC COM 17275R102   3,351,470 48,306 SH   SOLE   0 0 48,306
COCA COLA CO COM 191216100   1,521,210 21,501 SH   SOLE   0 0 21,501
COMCAST CORP NEW CL A 20030N101   1,127,178 31,582 SH   SOLE   0 0 31,582
CUMMINS INC COM 231021106   868,530 2,652 SH   SOLE   0 0 2,652
DANAHER CORPORATION COM 235851102   303,619 1,537 SH   SOLE   0 0 1,537
DEERE & CO COM 244199105   802,398 1,578 SH   SOLE   0 0 1,578
DIAGEO PLC SPON ADR NEW 25243Q205   470,117 4,662 SH   SOLE   0 0 4,662
DISNEY WALT CO COM 254687106   2,062,831 16,634 SH   SOLE   0 0 16,634
DOVER CORP COM 260003108   341,724 1,865 SH   SOLE   0 0 1,865
EMERSON ELEC CO COM 291011104   600,252 4,502 SH   SOLE   0 0 4,502
EQUITY RESIDENTIAL SH BEN INT 29476L107   294,392 4,362 SH   SOLE   0 0 4,362
EXPEDITORS INTL WASH INC COM 302130109   434,036 3,799 SH   SOLE   0 0 3,799
META PLATFORMS INC CL A 30303M102   6,002,148 8,132 SH   SOLE   0 0 8,132
FEDEX CORP COM 31428X106   1,621,630 7,134 SH   SOLE   0 0 7,134
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   301,984 4,077 SH   SOLE   0 0 4,077
GE VERNOVA INC COM 36828A101   1,171,539 2,214 SH   SOLE   0 0 2,214
GE AEROSPACE COM NEW 369604301   2,485,358 9,656 SH   SOLE   0 0 9,656
GENERAL MTRS CO COM 37045V100   226,366 4,600 SH   SOLE   0 0 4,600
GOLDMAN SACHS GROUP INC COM 38141G104   4,133,260 5,840 SH   SOLE   0 0 5,840
HOME DEPOT INC COM 437076102   256,178 699 SH   SOLE   0 0 699
HONEYWELL INTL INC COM 438516106   1,333,471 5,726 SH   SOLE   0 0 5,726
INTEL CORP COM 458140100   643,575 28,731 SH   SOLE   0 0 28,731
INTERNATIONAL BUSINESS MACHS COM 459200101   2,355,291 7,990 SH   SOLE   0 0 7,990
INTUIT COM 461202103   358,372 455 SH   SOLE   0 0 455
ISHARES GOLD TR ISHARES NEW 464285204   414,445 6,646 SH   SOLE   0 0 6,646
ISHARES TR CORE S&P500 ETF 464287200   205,518 331 SH   SOLE   0 0 331
ISHARES TR ISHS 5-10YR INVT 464288638   394,346 7,400 SH   SOLE   0 0 7,400
ISHARES TR ISHS 1-5YR INVS 464288646   680,604 12,900 SH   SOLE   0 0 12,900
JPMORGAN CHASE & CO. COM 46625H100   6,491,634 22,392 SH   SOLE   0 0 22,392
JOHNSON & JOHNSON COM 478160104   2,424,593 15,873 SH   SOLE   0 0 15,873
KELLANOVA COM 487836108   403,933 5,079 SH   SOLE   0 0 5,079
KIMBERLY-CLARK CORP COM 494368103   415,381 3,222 SH   SOLE   0 0 3,222
KROGER CO COM 501044101   262,461 3,659 SH   SOLE   0 0 3,659
LOCKHEED MARTIN CORP COM 539830109   893,398 1,929 SH   SOLE   0 0 1,929
LOWES COS INC COM 548661107   830,948 3,745 SH   SOLE   0 0 3,745
MCDONALDS CORP COM 580135101   1,370,526 4,691 SH   SOLE   0 0 4,691
MCKESSON CORP COM 58155Q103   2,961,438 4,041 SH   SOLE   0 0 4,041
MERCK & CO INC COM 58933Y105   2,568,980 32,453 SH   SOLE   0 0 32,453
MICROSOFT CORP COM 594918104   14,757,665 29,669 SH   SOLE   0 0 29,669
NOVO-NORDISK A S ADR 670100205   508,402 7,366 SH   SOLE   0 0 7,366
NUCOR CORP COM 670346105   717,652 5,540 SH   SOLE   0 0 5,540
NVIDIA CORPORATION COM 67066G104   704,794 4,461 SH   SOLE   0 0 4,461
ORACLE CORP COM 68389X105   4,178,443 19,112 SH   SOLE   0 0 19,112
PAYCHEX INC COM 704326107   519,293 3,570 SH   SOLE   0 0 3,570
PAYPAL HLDGS INC COM 70450Y103   870,436 11,712 SH   SOLE   0 0 11,712
PEPSICO INC COM 713448108   1,165,914 8,830 SH   SOLE   0 0 8,830
PFIZER INC COM 717081103   883,282 36,439 SH   SOLE   0 0 36,439
POLARIS INC COM 731068102   303,371 7,463 SH   SOLE   0 0 7,463
PRICE T ROWE GROUP INC COM 74144T108   492,633 5,105 SH   SOLE   0 0 5,105
PROCTER AND GAMBLE CO COM 742718109   959,715 6,024 SH   SOLE   0 0 6,024
QUALCOMM INC COM 747525103   1,521,252 9,552 SH   SOLE   0 0 9,552
RTX CORPORATION COM 75513E101   1,979,565 13,557 SH   SOLE   0 0 13,557
S&P GLOBAL INC COM 78409V104   239,390 454 SH   SOLE   0 0 454
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,707,718 6,001 SH   SOLE   0 0 6,001
SANOFI SPONSORED ADR 80105N105   365,514 7,566 SH   SOLE   0 0 7,566
SCHWAB CHARLES CORP COM 808513105   2,542,620 27,867 SH   SOLE   0 0 27,867
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   20,746,105 870,588 SH   SOLE   0 0 870,588
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,980,007 81,015 SH   SOLE   0 0 81,015
SHOPIFY INC CL A SUB VTG SHS 82509L107   239,352 2,075 SH   SOLE   0 0 2,075
SOUTHERN CO COM 842587107   462,446 5,036 SH   SOLE   0 0 5,036
STARBUCKS CORP COM 855244109   1,051,932 11,480 SH   SOLE   0 0 11,480
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   1,535,603 6,780 SH   SOLE   0 0 6,780
TARGET CORP COM 87612E106   807,845 8,189 SH   SOLE   0 0 8,189
TESLA INC COM 88160R101   8,081,271 25,440 SH   SOLE   0 0 25,440
TEXAS INSTRS INC COM 882508104   1,110,667 5,350 SH   SOLE   0 0 5,350
3M CO COM 88579Y101   1,769,737 11,625 SH   SOLE   0 0 11,625
TOAST INC CL A 888787108   580,864 13,115 SH   SOLE   0 0 13,115
TRUIST FINL CORP COM 89832Q109   342,803 7,974 SH   SOLE   0 0 7,974
US BANCORP DEL COM NEW 902973304   444,808 9,830 SH   SOLE   0 0 9,830
UBER TECHNOLOGIES INC COM 90353T100   200,595 2,150 SH   SOLE   0 0 2,150
UNILEVER PLC SPON ADR NEW 904767704   1,034,691 16,915 SH   SOLE   0 0 16,915
UNION PAC CORP COM 907818108   297,494 1,293 SH   SOLE   0 0 1,293
UNITED PARCEL SERVICE INC CL B 911312106   279,452 2,768 SH   SOLE   0 0 2,768
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   369,890 4,700 SH   SOLE   0 0 4,700
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   785,414 5,892 SH   SOLE   0 0 5,892
VANGUARD INDEX FDS GROWTH ETF 922908736   524,765 1,197 SH   SOLE   0 0 1,197
VISA INC COM CL A 92826C839   353,710 996 SH   SOLE   0 0 996
WALMART INC COM 931142103   3,824,617 39,115 SH   SOLE   0 0 39,115
WELLS FARGO CO NEW COM 949746101   4,372,630 54,576 SH   SOLE   0 0 54,576
WHIRLPOOL CORP COM 963320106   203,348 2,005 SH   SOLE   0 0 2,005
ZOOM COMMUNICATIONS INC CL A 98980L101   803,117 10,299 SH   SOLE   0 0 10,299