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   236,560 1,193 SH   SOLE   0 0 1,193
LINDE PLC SHS G54950103   319,270 644 SH   SOLE   0 0 644
MEDTRONIC PLC SHS G5960L103   401,450 4,633 SH   SOLE   0 0 4,633
CHUBB LTD SWITZ COM H1467J104   419,472 1,287 SH   SOLE   0 0 1,287
CHECK POINT SOFTWARE TECH LT ORD M22465104   577,829 4,045 SH   SOLE   0 0 4,045
AFLAC INC COM 001055102   219,969 2,005 SH   SOLE   0 0 2,005
ABBOTT LABORATORIES COM 002824100   462,372 4,503 SH   SOLE   0 0 4,503
ABBVIE INC COM 00287Y109   2,026,572 9,318 SH   SOLE   0 0 9,318
AIRBNB INC COM CL A 009066101   606,271 4,801 SH   SOLE   0 0 4,801
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   1,680,537 13,395 SH   SOLE   0 0 13,395
ALPHABET INC CAP STK CL C 02079K107   7,942,293 27,687 SH   SOLE   0 0 27,687
ALPHABET INC CAP STK CL A 02079K305   429,040 1,492 SH   SOLE   0 0 1,492
AMAZON COM INC COM 023135106   2,945,563 14,143 SH   SOLE   0 0 14,143
AMBEV SA SPONSORED ADR 02319V103   423,006 144,865 SH   SOLE   0 0 144,865
AMERICAN EXPRESS CO COM 025816109   4,179,669 13,818 SH   SOLE   0 0 13,818
AMGEN INC COM 031162100   2,208,211 6,276 SH   SOLE   0 0 6,276
APPLE INC COM 037833100   7,886,950 31,077 SH   SOLE   0 0 31,077
APPLIED MATLS INC COM 038222105   2,733,295 7,997 SH   SOLE   0 0 7,997
BANK AMERICA CORP COM 060505104   2,248,058 46,114 SH   SOLE   0 0 46,114
BANK NEW YORK MELLON CORP COM 064058100   2,451,371 20,664 SH   SOLE   0 0 20,664
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,782,326 7,893 SH   SOLE   0 0 7,893
BLACKROCK INC COM 09290D101   1,455,120 1,513 SH   SOLE   0 0 1,513
BOEING CO COM 097023105   681,081 3,422 SH   SOLE   0 0 3,422
BOOKING HOLDINGS INC COM 09857L108   703,124 167 SH   SOLE   0 0 167
THE CIGNA GROUP COM 125523100   1,013,384 3,799 SH   SOLE   0 0 3,799
CVS HEALTH CORP COM 126650100   1,433,609 19,961 SH   SOLE   0 0 19,961
CEMEX SA EURO MTN BE 144A SPON ADR NEW 151290889   274,560 24,000 SH   SOLE   0 0 24,000
CHIPOTLE MEXICAN GRILL INC COM 169656105   206,465 6,450 SH   SOLE   0 0 6,450
CISCO SYS INC COM 17275R102   3,713,534 47,861 SH   SOLE   0 0 47,861
COCA COLA CO COM 191216100   1,629,317 21,424 SH   SOLE   0 0 21,424
COMCAST CORP NEW CL A 20030N101   589,918 20,547 SH   SOLE   0 0 20,547
CUMMINS INC COM 231021106   1,453,193 2,701 SH   SOLE   0 0 2,701
DANAHER CORP DEL COM 235851102   262,976 1,387 SH   SOLE   0 0 1,387
DEERE & CO COM 244199105   857,906 1,523 SH   SOLE   0 0 1,523
DIAGEO PLC SPON ADR NEW 25243Q205   441,489 5,930 SH   SOLE   0 0 5,930
DISNEY WALT CO COM 254687106   1,663,203 17,257 SH   SOLE   0 0 17,257
DOVER CORP COM 260003108   340,816 1,635 SH   SOLE   0 0 1,635
EMERSON ELEC CO COM 291011104   577,406 4,407 SH   SOLE   0 0 4,407
EQUITY RESIDENTIAL SH BEN INT 29476L107   258,013 4,362 SH   SOLE   0 0 4,362
EXPEDITORS INTL WASH INC COM 302130109   610,733 4,264 SH   SOLE   0 0 4,264
META PLATFORMS INC CL A 30303M102   4,631,393 8,095 SH   SOLE   0 0 8,095
FEDEX CORP COM 31428X106   2,535,290 7,118 SH   SOLE   0 0 7,118
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   298,174 4,189 SH   SOLE   0 0 4,189
GE VERNOVA INC COM 36828A101   1,761,513 2,018 SH   SOLE   0 0 2,018
GE AEROSPACE COM NEW 369604301   2,515,338 8,864 SH   SOLE   0 0 8,864
GENERAL MTRS CO COM 37045V100   314,763 4,225 SH   SOLE   0 0 4,225
GOLDMAN SACHS GROUP INC COM 38141G104   4,499,821 5,319 SH   SOLE   0 0 5,319
HONEYWELL INTL INC COM 438516106   1,253,337 5,545 SH   SOLE   0 0 5,545
INTEL CORP COM 458140100   1,194,070 27,058 SH   SOLE   0 0 27,058
INTERNATIONAL BUSINESS MACHS COM 459200101   1,873,674 7,730 SH   SOLE   0 0 7,730
INTUIT COM 461202103   231,756 536 SH   SOLE   0 0 536
ISHARES GOLD TR ISHARES NEW 464285204   585,912 6,646 SH   SOLE   0 0 6,646
ISHARES TR CORE S&P500 ETF 464287200   216,213 331 SH   SOLE   0 0 331
ISHARES TR ISHS 5-10YR INVT 464288638   393,828 7,400 SH   SOLE   0 0 7,400
ISHARES TR ISHS 1-5YR INVS 464288646   678,024 12,900 SH   SOLE   0 0 12,900
JPMORGAN CHASE & CO COM 46625H100   6,209,393 21,109 SH   SOLE   0 0 21,109
JOHNSON & JOHNSON COM 478160104   3,748,719 15,336 SH   SOLE   0 0 15,336
KIMBERLY-CLARK CORP COM 494368103   236,738 2,454 SH   SOLE   0 0 2,454
KROGER CO COM 501044101   411,439 5,686 SH   SOLE   0 0 5,686
ELI LILLY & CO COM 532457108   211,548 230 SH   SOLE   0 0 230
LOCKHEED MARTIN CORP COM 539830109   1,129,001 1,868 SH   SOLE   0 0 1,868
LOWES COS INC COM 548661107   964,362 4,081 SH   SOLE   0 0 4,081
MCDONALDS CORP COM 580135101   1,437,669 4,626 SH   SOLE   0 0 4,626
MCKESSON CORP COM 58155Q103   3,101,812 3,584 SH   SOLE   0 0 3,584
MERCK & CO INC COM 58933Y105   3,892,224 32,357 SH   SOLE   0 0 32,357
MICROSOFT CORP COM 594918104   10,904,476 29,458 SH   SOLE   0 0 29,458
NOVO-NORDISK A S ADR 670100205   280,954 7,645 SH   SOLE   0 0 7,645
NUCOR CORP COM 670346105   936,814 5,540 SH   SOLE   0 0 5,540
NVIDIA CORPORATION COM 67066G104   851,770 4,884 SH   SOLE   0 0 4,884
ORACLE CORP COM 68389X105   2,623,257 17,832 SH   SOLE   0 0 17,832
PAYCHEX INC COM 704326107   278,663 3,025 SH   SOLE   0 0 3,025
PAYPAL HLDGS INC COM 70450Y103   473,061 10,459 SH   SOLE   0 0 10,459
PEPSICO INC COM 713448108   1,326,954 8,545 SH   SOLE   0 0 8,545
PFIZER INC COM 717081103   887,862 31,619 SH   SOLE   0 0 31,619
POLARIS INC COM 731068102   367,330 6,740 SH   SOLE   0 0 6,740
PRICE T ROWE GROUP INC COM 74144T108   464,402 5,152 SH   SOLE   0 0 5,152
PROCTER & GAMBLE CO COM 742718109   832,815 5,766 SH   SOLE   0 0 5,766
QUALCOMM INC COM 747525103   1,245,303 9,670 SH   SOLE   0 0 9,670
RTX CORPORATION COM 75513E101   2,475,255 12,832 SH   SOLE   0 0 12,832
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103   3,783,028 5,817 SH   SOLE   0 0 5,817
SALESFORCE INC COM 79466L302   201,791 1,081 SH   SOLE   0 0 1,081
SANOFI SA SPONSORED ADR 80105N105   347,667 7,216 SH   SOLE   0 0 7,216
SCHWAB CHARLES CORP COM 808513105   2,642,684 28,120 SH   SOLE   0 0 28,120
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   23,420,798 933,100 SH   SOLE   0 0 933,100
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,077,225 81,015 SH   SOLE   0 0 81,015
SHOPIFY INC CL A SUB VTG SHS 82509L107   283,502 2,390 SH   SOLE   0 0 2,390
SOUTHERN CO COM 842587107   474,482 4,916 SH   SOLE   0 0 4,916
STARBUCKS CORP COM 855244109   1,100,184 12,280 SH   SOLE   0 0 12,280
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100   2,277,783 6,740 SH   SOLE   0 0 6,740
TARGET CORP COM 87612E106   1,015,172 8,376 SH   SOLE   0 0 8,376
TESLA INC COM 88160R101   9,332,412 25,104 SH   SOLE   0 0 25,104
TEXAS INSTRS INC COM 882508104   1,042,439 5,370 SH   SOLE   0 0 5,370
3M CO COM 88579Y101   1,693,041 11,658 SH   SOLE   0 0 11,658
TOAST INC CL A 888787108   371,671 14,020 SH   SOLE   0 0 14,020
TRUIST FINL CORP COM 89832Q109   329,422 7,166 SH   SOLE   0 0 7,166
US BANCORP COM NEW 902973304   503,457 9,680 SH   SOLE   0 0 9,680
UBER TECHNOLOGIES INC COM 90353T100   323,542 4,498 SH   SOLE   0 0 4,498
UNILEVER PLC SPON ADR NEW 904767803   829,313 14,557 SH   SOLE   0 0 14,557
UNION PAC CORP COM 907818108   371,937 1,533 SH   SOLE   0 0 1,533
UNITED PARCEL SVCS INC CL B 911312106   339,656 3,452 SH   SOLE   0 0 3,452
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   368,527 4,700 SH   SOLE   0 0 4,700
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   898,173 6,065 SH   SOLE   0 0 6,065
VANGUARD INDEX FDS GROWTH ETF 922908736   214,901 492 SH   SOLE   0 0 492
VISA INC COM CL A 92826C839   351,272 1,162 SH   SOLE   0 0 1,162
WALMART INC COM 931142103   4,483,120 36,073 SH   SOLE   0 0 36,073
WELLS FARGO & CO COM 949746101   4,156,200 52,207 SH   SOLE   0 0 52,207
ZOOM COMMUNICATIONS INC CL A 98980L101   844,658 10,507 SH   SOLE   0 0 10,507