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   346,912 1,293 SH   SOLE   0 0 1,293
LINDE PLC SHS G54950103   312,971 734 SH   SOLE   0 0 734
MEDTRONIC PLC SHS G5960L103   431,694 4,494 SH   SOLE   0 0 4,494
CHUBB LIMITED COM H1467J104   384,220 1,231 SH   SOLE   0 0 1,231
CHECK POINT SOFTWARE TECH LT ORD M22465104   738,529 3,980 SH   SOLE   0 0 3,980
AFLAC INC COM 001055102   221,092 2,005 SH   SOLE   0 0 2,005
ABBOTT LABS COM 002824100   593,684 4,738 SH   SOLE   0 0 4,738
ABBVIE INC COM 00287Y109   2,139,124 9,362 SH   SOLE   0 0 9,362
AIRBNB INC COM CL A 009066101   577,082 4,252 SH   SOLE   0 0 4,252
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   1,910,231 13,032 SH   SOLE   0 0 13,032
ALPHABET INC CAP STK CL C 02079K107   8,815,584 28,093 SH   SOLE   0 0 28,093
ALPHABET INC CAP STK CL A 02079K305   466,996 1,492 SH   SOLE   0 0 1,492
AMAZON COM INC COM 023135106   3,134,536 13,580 SH   SOLE   0 0 13,580
AMBEV SA SPONSORED ADR 02319V103   322,681 130,640 SH   SOLE   0 0 130,640
AMERICAN EXPRESS CO COM 025816109   5,170,422 13,976 SH   SOLE   0 0 13,976
AMGEN INC COM 031162100   2,075,473 6,341 SH   SOLE   0 0 6,341
APPLE INC COM 037833100   8,549,262 31,447 SH   SOLE   0 0 31,447
APPLIED MATLS INC COM 038222105   2,044,870 7,957 SH   SOLE   0 0 7,957
BANK AMERICA CORP COM 060505104   2,512,730 45,686 SH   SOLE   0 0 45,686
BANK NEW YORK MELLON CORP COM 064058100   2,413,396 20,789 SH   SOLE   0 0 20,789
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   4,020,698 7,999 SH   SOLE   0 0 7,999
BLACKROCK INC COM 09290D101   1,635,538 1,528 SH   SOLE   0 0 1,528
BOEING CO COM 097023105   742,985 3,422 SH   SOLE   0 0 3,422
BOOKING HOLDINGS INC COM 09857L108   888,985 166 SH   SOLE   0 0 166
THE CIGNA GROUP COM 125523100   1,008,443 3,664 SH   SOLE   0 0 3,664
CVS HEALTH CORP COM 126650100   1,598,480 20,142 SH   SOLE   0 0 20,142
CEMEX SAB DE CV SPON ADR NEW 151290889   275,760 24,000 SH   SOLE   0 0 24,000
CHIPOTLE MEXICAN GRILL INC COM 169656105   238,650 6,450 SH   SOLE   0 0 6,450
CISCO SYS INC COM 17275R102   3,705,989 48,111 SH   SOLE   0 0 48,111
COCA COLA CO COM 191216100   1,519,234 21,731 SH   SOLE   0 0 21,731
COMCAST CORP NEW CL A 20030N101   629,079 21,046 SH   SOLE   0 0 21,046
CUMMINS INC COM 231021106   1,363,923 2,672 SH   SOLE   0 0 2,672
DANAHER CORPORATION COM 235851102   351,851 1,537 SH   SOLE   0 0 1,537
DEERE & CO COM 244199105   727,686 1,563 SH   SOLE   0 0 1,563
DIAGEO PLC SPON ADR NEW 25243Q205   430,833 4,994 SH   SOLE   0 0 4,994
DISNEY WALT CO COM 254687106   1,845,977 16,226 SH   SOLE   0 0 16,226
DOVER CORP COM 260003108   334,837 1,715 SH   SOLE   0 0 1,715
EMERSON ELEC CO COM 291011104   584,898 4,407 SH   SOLE   0 0 4,407
EQUITY RESIDENTIAL SH BEN INT 29476L107   274,981 4,362 SH   SOLE   0 0 4,362
EXPEDITORS INTL WASH INC COM 302130109   618,243 4,149 SH   SOLE   0 0 4,149
META PLATFORMS INC CL A 30303M102   5,312,405 8,048 SH   SOLE   0 0 8,048
FEDEX CORP COM 31428X106   2,053,217 7,108 SH   SOLE   0 0 7,108
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   328,737 4,008 SH   SOLE   0 0 4,008
GE VERNOVA INC COM 36828A101   1,352,237 2,069 SH   SOLE   0 0 2,069
GE AEROSPACE COM NEW 369604301   2,792,292 9,065 SH   SOLE   0 0 9,065
GENERAL MTRS CO COM 37045V100   351,709 4,325 SH   SOLE   0 0 4,325
GOLDMAN SACHS GROUP INC COM 38141G104   4,763,301 5,419 SH   SOLE   0 0 5,419
HOME DEPOT INC COM 437076102   205,331 597 SH   SOLE   0 0 597
HONEYWELL INTL INC COM 438516106   1,099,333 5,635 SH   SOLE   0 0 5,635
INTEL CORP COM 458140100   997,149 27,023 SH   SOLE   0 0 27,023
INTERNATIONAL BUSINESS MACHS COM 459200101   2,314,880 7,815 SH   SOLE   0 0 7,815
INTUIT COM 461202103   301,402 455 SH   SOLE   0 0 455
ISHARES GOLD TR ISHARES NEW 464285204   539,456 6,646 SH   SOLE   0 0 6,646
ISHARES TR CORE S&P500 ETF 464287200   226,716 331 SH   SOLE   0 0 331
ISHARES TR ISHS 5-10YR INVT 464288638   398,712 7,400 SH   SOLE   0 0 7,400
ISHARES TR ISHS 1-5YR INVS 464288646   682,152 12,900 SH   SOLE   0 0 12,900
JPMORGAN CHASE & CO. COM 46625H100   6,858,097 21,284 SH   SOLE   0 0 21,284
JOHNSON & JOHNSON COM 478160104   3,216,820 15,544 SH   SOLE   0 0 15,544
KIMBERLY-CLARK CORP COM 494368103   264,938 2,626 SH   SOLE   0 0 2,626
KROGER CO COM 501044101   309,964 4,961 SH   SOLE   0 0 4,961
ELI LILLY & CO COM 532457108   209,563 195 SH   SOLE   0 0 195
LOCKHEED MARTIN CORP COM 539830109   898,176 1,857 SH   SOLE   0 0 1,857
LOWES COS INC COM 548661107   943,024 3,910 SH   SOLE   0 0 3,910
MCDONALDS CORP COM 580135101   1,426,025 4,666 SH   SOLE   0 0 4,666
MCKESSON CORP COM 58155Q103   3,022,279 3,684 SH   SOLE   0 0 3,684
MERCK & CO INC COM 58933Y105   3,408,214 32,379 SH   SOLE   0 0 32,379
MICROSOFT CORP COM 594918104   14,207,314 29,377 SH   SOLE   0 0 29,377
NOVO-NORDISK A S ADR 670100205   358,450 7,045 SH   SOLE   0 0 7,045
NUCOR CORP COM 670346105   903,630 5,540 SH   SOLE   0 0 5,540
NVIDIA CORPORATION COM 67066G104   833,655 4,470 SH   SOLE   0 0 4,470
ORACLE CORP COM 68389X105   3,479,521 17,852 SH   SOLE   0 0 17,852
PAYCHEX INC COM 704326107   370,755 3,305 SH   SOLE   0 0 3,305
PAYPAL HLDGS INC COM 70450Y103   608,787 10,428 SH   SOLE   0 0 10,428
PEPSICO INC COM 713448108   1,261,541 8,790 SH   SOLE   0 0 8,790
PFIZER INC COM 717081103   769,386 30,899 SH   SOLE   0 0 30,899
POLARIS INC COM 731068102   405,623 6,413 SH   SOLE   0 0 6,413
PRICE T ROWE GROUP INC COM 74144T108   519,272 5,072 SH   SOLE   0 0 5,072
PROCTER AND GAMBLE CO COM 742718109   828,306 5,780 SH   SOLE   0 0 5,780
QUALCOMM INC COM 747525103   1,642,080 9,600 SH   SOLE   0 0 9,600
RTX CORPORATION COM 75513E101   2,376,278 12,957 SH   SOLE   0 0 12,957
S&P GLOBAL INC COM 78409V104   233,076 446 SH   SOLE   0 0 446
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,972,184 5,825 SH   SOLE   0 0 5,825
SALESFORCE INC COM 79466L302   202,392 764 SH   SOLE   0 0 764
SANOFI SA SPONSORED ADR 80105N105   349,446 7,211 SH   SOLE   0 0 7,211
SCHWAB CHARLES CORP COM 808513105   2,799,133 28,017 SH   SOLE   0 0 28,017
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   23,683,412 902,913 SH   SOLE   0 0 902,913
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,180,114 81,015 SH   SOLE   0 0 81,015
SHOPIFY INC CL A SUB VTG SHS 82509L107   372,646 2,315 SH   SOLE   0 0 2,315
SOUTHERN CO COM 842587107   438,258 5,026 SH   SOLE   0 0 5,026
STARBUCKS CORP COM 855244109   1,001,696 11,895 SH   SOLE   0 0 11,895
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   2,013,272 6,625 SH   SOLE   0 0 6,625
TARGET CORP COM 87612E106   822,469 8,414 SH   SOLE   0 0 8,414
TESLA INC COM 88160R101   11,277,629 25,077 SH   SOLE   0 0 25,077
TEXAS INSTRS INC COM 882508104   924,618 5,330 SH   SOLE   0 0 5,330
3M CO COM 88579Y101   1,877,277 11,726 SH   SOLE   0 0 11,726
TOAST INC CL A 888787108   488,441 13,755 SH   SOLE   0 0 13,755
TRUIST FINL CORP COM 89832Q109   352,639 7,166 SH   SOLE   0 0 7,166
US BANCORP DEL COM NEW 902973304   516,525 9,680 SH   SOLE   0 0 9,680
UBER TECHNOLOGIES INC COM 90353T100   271,768 3,326 SH   SOLE   0 0 3,326
UNILEVER PLC SPON ADR NEW 904767803   971,452 14,854 SH   SOLE   0 0 14,854
UNION PAC CORP COM 907818108   323,386 1,398 SH   SOLE   0 0 1,398
UNITED PARCEL SERVICE INC CL B 911312106   316,961 3,195 SH   SOLE   0 0 3,195
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   370,407 4,700 SH   SOLE   0 0 4,700
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   870,397 6,065 SH   SOLE   0 0 6,065
VANGUARD INDEX FDS GROWTH ETF 922908736   240,028 492 SH   SOLE   0 0 492
VISA INC COM CL A 92826C839   335,709 957 SH   SOLE   0 0 957
WALMART INC COM 931142103   4,125,806 37,033 SH   SOLE   0 0 37,033
WELLS FARGO CO NEW COM 949746101   4,883,867 52,402 SH   SOLE   0 0 52,402
ZOOM COMMUNICATIONS INC CL A 98980L101   877,742 10,172 SH   SOLE   0 0 10,172