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
3M CO COM 88579Y101   2,607,414 17,127 SH   SOLE   17,127 0 0
ABBVIE INC COM 00287Y109   1,543,987 8,318 SH   SOLE   8,318 0 0
AIR PRODS & CHEMS INC COM 009158106   2,802,266 9,935 SH   SOLE   9,935 0 0
ALPHABET INC CAP STK CL A 02079K305   228,218 1,295 SH   SOLE   1,295 0 0
AMEREN CORP COM 023608102   384,928 4,008 SH   SOLE   4,008 0 0
AMERICAN EXPRESS CO COM 025816109   1,339,716 4,200 SH   SOLE   4,200 0 0
AMGEN INC COM 031162100   287,866 1,031 SH   SOLE   1,031 0 0
APPLE INC COM 037833100   5,961,420 29,056 SH   SOLE   29,056 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103   4,120,532 13,361 SH   SOLE   13,361 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   245,314 505 SH   SOLE   505 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   1,897,149 40,984 SH   SOLE   40,984 0 0
CHEVRON CORP NEW COM 166764100   2,647,297 18,488 SH   SOLE   18,488 0 0
CISCO SYS INC COM 17275R102   3,655,008 52,681 SH   SOLE   52,681 0 0
COCA COLA CO COM 191216100   2,475,684 34,992 SH   SOLE   34,992 0 0
COMCAST CORP NEW CL A 20030N101   420,714 11,788 SH   SOLE   11,788 0 0
CONOCOPHILLIPS COM 20825C104   274,156 3,055 SH   SOLE   3,055 0 0
CSX CORP COM 126408103   587,438 18,003 SH   SOLE   18,003 0 0
CVS HEALTH CORP COM 126650100   992,208 14,384 SH   SOLE   14,384 0 0
DISNEY WALT CO COM 254687106   2,994,221 24,145 SH   SOLE   24,145 0 0
ELEVANCE HEALTH INC COM 036752103   684,181 1,759 SH   SOLE   1,759 0 0
ELI LILLY & CO COM 532457108   5,088,772 6,528 SH   SOLE   6,528 0 0
EMERSON ELEC CO COM 291011104   1,648,625 12,365 SH   SOLE   12,365 0 0
EXXON MOBIL CORP COM 30231G102   4,833,105 44,834 SH   SOLE   44,834 0 0
GSK PLC SPON ADR 37733W204   1,210,253 31,517 SH   SOLE   31,517 0 0
ILLINOIS TOOL WKS INC COM 452308109   2,342,199 9,473 SH   SOLE   9,473 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   214,642 1,455 SH   SOLE   1,455 0 0
INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C839   598,132 16,258 SH   SOLE   16,258 0 0
INTEL CORP COM 458140100   1,501,024 67,010 SH   SOLE   67,010 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   3,662,052 12,423 SH   SOLE   12,423 0 0
ISHARES TR CORE S&P 500 ETF 464287200   917,069 1,477 SH   SOLE   1,477 0 0
ISHARES TR CORE S&P MCP ETF 464287507   5,438,720 87,693 SH   SOLE   87,693 0 0
ISHARES TR CORE S&P SCP ETF 464287804   613,226 5,611 SH   SOLE   5,611 0 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1   7,720,566 306,615 SH   SOLE   306,615 0 0
ISHARES TR IBONDS DEC2026 46435GAA0   8,132,965 335,380 SH   SOLE   335,380 0 0
ISHARES TR IBONDS 27 ETF 46435UAA9   7,836,031 322,869 SH   SOLE   322,869 0 0
ISHARES TR IBDS DEC28 ETF 46435U515   6,671,098 262,435 SH   SOLE   262,435 0 0
ISHARES TR IBONDS DEC 29 46436E205   5,677,892 243,373 SH   SOLE   243,373 0 0
ISHARES TR MSCI EAFE ETF 464287465   793,157 8,873 SH   SOLE   8,873 0 0
ISHARES TR EAFE GRWTH ETF 464288885   2,018,352 18,021 SH   SOLE   18,021 0 0
ISHARES TR EAFE VALUE ETF 464288877   1,078,525 16,990 SH   SOLE   16,990 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   3,890,427 9,163 SH   SOLE   9,163 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   2,006,590 10,331 SH   SOLE   10,331 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   331,885 1,538 SH   SOLE   1,538 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   5,318,425 18,605 SH   SOLE   18,605 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   4,429,270 28,076 SH   SOLE   28,076 0 0
ISHARES TR RUS MID CAP ETF 464287499   436,214 4,743 SH   SOLE   4,743 0 0
ISHARES TR S&P MC 400GR ETF 464287606   5,501,379 60,468 SH   SOLE   60,468 0 0
ISHARES TR S&P MC 400VL ETF 464287705   7,370,311 59,640 SH   SOLE   59,640 0 0
ISHARES TR S&P SML 600 GWT 464287887   2,235,604 16,804 SH   SOLE   16,804 0 0
ISHARES TR SP SMCP600VL ETF 464287879   3,027,083 30,426 SH   SOLE   30,426 0 0
ISHARES TR COHEN STEER REIT 464287564   430,566 7,040 SH   SOLE   7,040 0 0
JOHNSON & JOHNSON COM 478160104   3,105,713 20,332 SH   SOLE   20,332 0 0
JPMORGAN CHASE & CO. COM 46625H100   6,302,353 21,739 SH   SOLE   21,739 0 0
KIMBERLY-CLARK CORP COM 494368103   414,220 3,213 SH   SOLE   3,213 0 0
LINDE PLC SHS G54950103   2,329,479 4,965 SH   SOLE   4,965 0 0
LOCKHEED MARTIN CORP COM 539830109   896,176 1,935 SH   SOLE   1,935 0 0
MCDONALDS CORP COM 580135101   4,068,175 13,924 SH   SOLE   13,924 0 0
MEDTRONIC PLC SHS G5960L103   368,729 4,230 SH   SOLE   4,230 0 0
MERCK & CO INC COM 58933Y105   717,190 9,060 SH   SOLE   9,060 0 0
METLIFE INC COM 59156R108   3,074,939 38,236 SH   SOLE   38,236 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104   786,385 11,175 SH   SOLE   11,175 0 0
MICROSOFT CORP COM 594918104   12,706,836 25,546 SH   SOLE   25,546 0 0
NORTHERN TR CORP COM 665859104   3,750,702 29,582 SH   SOLE   29,582 0 0
NUCOR CORP COM 670346105   2,264,100 17,478 SH   SOLE   17,478 0 0
ONEOK INC NEW COM 682680103   926,664 11,352 SH   SOLE   11,352 0 0
ORACLE CORP COM 68389X105   3,716,491 16,999 SH   SOLE   16,999 0 0
PEPSICO INC COM 713448108   2,604,885 19,728 SH   SOLE   19,728 0 0
PFIZER INC COM 717081103   1,813,467 74,813 SH   SOLE   74,813 0 0
PHILIP MORRIS INTL INC COM 718172109   3,690,500 20,263 SH   SOLE   20,263 0 0
PNC FINL SVCS GROUP INC COM 693475105   664,401 3,564 SH   SOLE   3,564 0 0
PROCTER AND GAMBLE CO COM 742718109   3,178,593 19,951 SH   SOLE   19,951 0 0
SCHLUMBERGER LTD COM STK 806857108   1,347,031 39,853 SH   SOLE   39,853 0 0
SHELL PLC SPON ADS 780259305   2,324,445 33,013 SH   SOLE   33,013 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   552,358 894 SH   SOLE   894 0 0
STARBUCKS CORP COM 855244109   2,125,633 23,198 SH   SOLE   23,198 0 0
STATE STR CORP COM 857477103   802,867 7,550 SH   SOLE   7,550 0 0
SYSCO CORP COM 871829107   782,167 10,327 SH   SOLE   10,327 0 0
TARGET CORP COM 87612E106   1,935,612 19,621 SH   SOLE   19,621 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   258,295 1,020 SH   SOLE   1,020 0 0
UNITED PARCEL SERVICE INC CL B 911312106   1,279,616 12,677 SH   SOLE   12,677 0 0
US BANCORP DEL COM NEW 902973304   2,221,368 49,091 SH   SOLE   49,091 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   442,701 2,163 SH   SOLE   2,163 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   12,386,050 217,261 SH   SOLE   217,261 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   800,080 1,825 SH   SOLE   1,825 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,957,657 14,685 SH   SOLE   14,685 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702   328,987 496 SH   SOLE   496 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   901,784 11,660 SH   SOLE   11,660 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   22,288,929 39,239 SH   SOLE   39,239 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,621,313 8,314 SH   SOLE   8,314 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   469,967 1,697 SH   SOLE   1,697 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   931,066 5,268 SH   SOLE   5,268 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   2,226,631 51,459 SH   SOLE   51,459 0 0
WALMART INC COM 931142103   1,260,775 12,894 SH   SOLE   12,894 0 0
WELLS FARGO CO NEW COM 949746101   3,394,845 42,372 SH   SOLE   42,372 0 0