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
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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
ADOBE INC COM 00724F101   303,419 586 SH   SOLE   0 0 586
ALPHABET INC CAP STK CL C 02079K107   1,440,342 8,615 SH   SOLE   0 0 8,615
AMAZON COM INC COM 023135106   576,878 3,096 SH   SOLE   0 0 3,096
ANALOG DEVICES INC COM 032654105   221,670 963 SH   SOLE   0 0 963
APPLE INC COM 037833100   1,712,311 7,349 SH   SOLE   0 0 7,349
BANK AMERICA CORP COM 060505104   607,767 15,317 SH   SOLE   0 0 15,317
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   535,743 1,164 SH   SOLE   0 0 1,164
BOOKING HOLDINGS INC COM 09857L108   446,698 106 SH   SOLE   0 0 106
CENCORA INC COM 03090BBJ8   262,637 1,167 SH   SOLE   0 0 1,167
ECOLAB INC COM 278865100   233,764 916 SH   SOLE   0 0 916
EXXON MOBIL CORP COM 30231G102   531,387 4,533 SH   SOLE   0 0 4,533
FISERV INC COM 337738108   347,623 1,935 SH   SOLE   0 0 1,935
GENERAL DYNAMICS CORP COM 369550108   418,218 1,384 SH   SOLE   0 0 1,384
HUNT J B TRANS SVCS INC COM 445658107   562,547 3,264 SH   SOLE   0 0 3,264
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   2,181,169 12,174 SH   SOLE   0 0 12,174
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   3,728,759 55,430 SH   SOLE   0 0 55,430
IQVIA HLDGS INC COM 46266C105   277,729 1,172 SH   SOLE   0 0 1,172
ISHARES TR CORE MSCI TOTAL 46432F834   6,217,512 85,605 SH   SOLE   0 0 85,605
ISHARES TR CORE S&P US VLU 464287663   276,789 2,899 SH   SOLE   0 0 2,899
ISHARES TR SHRT NAT MUN ETF 464288158   3,580,090 33,714 SH   SOLE   0 0 33,714
ISHARES TR CORE 1 5 YR USD 46432F859   8,116,113 166,724 SH   SOLE   0 0 166,724
ISHARES TR CORE S&P500 ETF 464287200   23,574,119 40,869 SH   SOLE   0 0 40,869
ISHARES TR EAFE GRWTH ETF 464288885   313,907 2,916 SH   SOLE   0 0 2,916
ISHARES TR MSCI INTL QUALTY 46434V456   1,773,368 42,742 SH   SOLE   0 0 42,742
ISHARES TR ISHS 1-5YR INVS 464288646   3,645,695 69,231 SH   SOLE   0 0 69,231
ISHARES TR CORE DIV GRWTH 46434V621   1,658,401 26,454 SH   SOLE   0 0 26,454
ISHARES TR CORE S&P TTL STK 464287150   14,369,716 114,390 SH   SOLE   0 0 114,390
J P MORGAN EXCHANGE TRADED F DIVERSFD EQT ETF 46641Q845   665,984 13,866 SH   SOLE   0 0 13,866
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206   1,584,163 26,315 SH   SOLE   0 0 26,315
JPMORGAN CHASE & CO. COM 46625H100   238,932 1,133 SH   SOLE   0 0 1,133
LOCKHEED MARTIN CORP COM 539830109   394,842 675 SH   SOLE   0 0 675
MASTERCARD INCORPORATED CL A 57636Q104   233,733 473 SH   SOLE   0 0 473
MCKESSON CORP COM 58155Q103   251,460 509 SH   SOLE   0 0 509
META PLATFORMS INC CL A 30303M102   292,698 511 SH   SOLE   0 0 511
MICROSOFT CORP COM 594918104   820,679 1,907 SH   SOLE   0 0 1,907
NETFLIX INC COM 64110L106   346,833 489 SH   SOLE   0 0 489
NOVARTIS AG SPONSORED ADR 66987V109   252,814 2,198 SH   SOLE   0 0 2,198
PHILIP MORRIS INTL INC COM 718172109   236,814 1,951 SH   SOLE   0 0 1,951
QUALCOMM INC COM 747525103   203,651 1,198 SH   SOLE   0 0 1,198
SANOFI SPONSORED ADR 80105N105   249,019 4,321 SH   SOLE   0 0 4,321
SCHWAB CHARLES CORP COM 808513105   239,074 3,689 SH   SOLE   0 0 3,689
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   2,370,120 28,525 SH   SOLE   0 0 28,525
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   3,272,749 79,282 SH   SOLE   0 0 79,282
SPDR S&P 500 ETF TR TR UNIT 78462F103   6,876,045 11,984 SH   SOLE   0 0 11,984
SPDR SER TR PORTFLI HIGH YLD 78468R606   234,553 9,753 SH   SOLE   0 0 9,753
SPDR SER TR PRTFLO S&P500 GW 78464A409   16,388,968 197,600 SH   SOLE   0 0 197,600
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   275,093 1,584 SH   SOLE   0 0 1,584
TESLA INC COM 88160R101   263,200 1,006 SH   SOLE   0 0 1,006
UNILEVER PLC SPON ADR NEW 904767704   291,511 4,488 SH   SOLE   0 0 4,488
UNITEDHEALTH GROUP INC COM 91324P102   688,621 1,178 SH   SOLE   0 0 1,178
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   14,283,973 74,895 SH   SOLE   0 0 74,895
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   7,947,033 100,992 SH   SOLE   0 0 100,992
VANGUARD INDEX FDS LARGE CAP ETF 922908637   203,523 773 SH   SOLE   0 0 773
VANGUARD INDEX FDS MID CAP ETF 922908629   730,959 2,771 SH   SOLE   0 0 2,771
VANGUARD INDEX FDS VALUE ETF 922908744   737,295 4,223 SH   SOLE   0 0 4,223
VANGUARD INDEX FDS SMALL CP ETF 922908751   329,676 1,390 SH   SOLE   0 0 1,390
VANGUARD INDEX FDS TOTAL STK MKT 922908769   9,178,065 32,413 SH   SOLE   0 0 32,413
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   2,399,007 30,207 SH   SOLE   0 0 30,207
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   557,629 2,815 SH   SOLE   0 0 2,815
VANGUARD STAR FDS VG TL INTL STK F 921909768   656,710 10,144 SH   SOLE   0 0 10,144
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   818,893 6,388 SH   SOLE   0 0 6,388
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   701,131 9,550 SH   SOLE   0 0 9,550
WALMART INC COM 931142103   18,818,111 233,042 SH   SOLE   0 0 233,042
WELLS FARGO CO NEW COM 949746101   294,317 5,210 SH   SOLE   0 0 5,210