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
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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
Abbott Laboratories Common Stock 002824100   719,968 6,541 SH   SOLE   6,541 0 0
Adobe Inc. Common Stock 00724F101   1,328,628 2,227 SH   SOLE   2,227 0 0
Alphabet Inc Common Stock 02079K305   1,706,034 12,213 SH   SOLE   12,213 0 0
Amazon com Common Stock 023135106   1,117,671 7,356 SH   SOLE   7,356 0 0
American Century Focused Large Cap Value Exchange Traded Fund 025072794   1,311,224 21,450 SH   SOLE   21,450 0 0
American Express Company Common Stock 025816109   841,906 4,494 SH   SOLE   4,494 0 0
Amgen Inc Common Stock 031162100   431,454 1,498 SH   SOLE   1,498 0 0
Apple Inc. Common Stock 037833100   2,414,519 12,541 SH   SOLE   12,541 0 0
Applied Materials Inc Common Stock 038222105   757,353 4,673 SH   SOLE   4,673 0 0
Avantis U.S. Small Cap Value Exchange Traded Fund 025072877   290,054 3,230 SH   SOLE   3,230 0 0
Becton Dickinson and Company Common Stock 075887109   563,979 2,313 SH   SOLE   2,313 0 0
BERKSHIRE HATHAWAY INC DEL Common Stock 084670702   515,374 1,445 SH   SOLE   1,445 0 0
Broadcom Inc Common Stock 11135F101   346,038 310 SH   SOLE   310 0 0
Chevron Corp. Common Stock 166764100   650,188 4,359 SH   SOLE   4,359 0 0
Comcast Corporation Common Stock 20030N101   256,917 5,859 SH   SOLE   5,859 0 0
Costco Wholesale Corporation Common Stock 22160K105   648,199 982 SH   SOLE   982 0 0
CVS Health Common Stock 126650100   377,113 4,776 SH   SOLE   4,776 0 0
Eaton Corp. PLC Int'l Common Stock G29183103   318,364 1,322 SH   SOLE   1,322 0 0
Eli Lilly and Co Common Stock 532457108   468,085 803 SH   SOLE   803 0 0
Exxon Mobil Corp Common Stock 30231G102   565,487 5,656 SH   SOLE   5,656 0 0
FISERV INC Common Stock 337738108   245,223 1,846 SH   SOLE   1,846 0 0
Home Depot Common Stock 437076102   859,791 2,481 SH   SOLE   2,481 0 0
Honeywell International Inc Common Stock 438516106   461,362 2,200 SH   SOLE   2,200 0 0
Industrial Select Sector SPDR Fund Exchange Traded Fund 81369Y704   281,555 2,470 SH   SOLE   2,470 0 0
Invesco Russell 1000 Dynamic Multifactor Exchange Traded Fund 46138J619   33,108,760 644,014 SH   SOLE   643,565 317 132
Invesco Russell 1000 Dynamic Multifactor Exchange Traded Fund 46138J619   152,533 2,967 SH   OTR   2,967 0 0
Invesco Russell 2000 Dynamic Multifactor Exchange Traded Fund 46138J593   863,378 22,252 SH   SOLE   22,252 0 0
iShares Core MSCI EAFE ETF International Equity ETF 46432F842   2,189,292 31,120 SH   SOLE   31,120 0 0
iShares Core MSCI Emerging Markets ETF International Equity ETF 46434G103   1,030,618 20,376 SH   SOLE   20,376 0 0
iShares Core S&P 500 Index Fund Exchange Traded Fund 464287200   33,208,181 69,527 SH   SOLE   69,479 34 14
iShares Core S&P 500 Index Fund Exchange Traded Fund 464287200   151,886 318 SH   OTR   318 0 0
iShares Core S&P Mid-Cap Index Fund Exchange Traded Fund 464287507   1,009,103 3,641 SH   SOLE   3,641 0 0
iShares MSCI EAFE ETF International Equity ETF 464287465   1,629,821 21,630 SH   SOLE   21,630 0 0
iShares MSCI Emerging Markets ETF International Equity ETF 464287234   643,481 16,003 SH   SOLE   16,003 0 0
iShares Russell 1000 Index Fund Exchange Traded Fund 464287622   1,892,730 7,217 SH   SOLE   7,217 0 0
Ishares Russell Mid Cap Exchange Traded Fund 464287499   272,832 3,510 SH   SOLE   3,510 0 0
Johnson & Johnson Common Stock 478160104   850,158 5,424 SH   SOLE   5,424 0 0
JPMorgan Active Growth Exchange Traded Fund 46654Q609   1,239,516 20,290 SH   SOLE   20,290 0 0
JPMorgan Chase & Co Common Stock 46625H100   1,063,465 6,252 SH   SOLE   6,252 0 0
JPMorgan Hedged Equity Laddered Overlay Exchange Traded Fund 46654Q724   875,164 16,550 SH   SOLE   16,550 0 0
Lockheed Martin Corp Common Stock 539830109   301,858 666 SH   SOLE   666 0 0
Mastercard Inc Common Stock 57636Q104   875,625 2,053 SH   SOLE   2,053 0 0
Materials Select Sector SPDR Fund Exchange Traded Fund 81369Y100   470,213 5,497 SH   SOLE   5,497 0 0
Mcdonald's Corp Common Stock 580135101   601,322 2,028 SH   SOLE   2,028 0 0
Meta Platforms Inc Common Stock 30303M102   323,165 913 SH   SOLE   913 0 0
Microsoft Corp Common Stock 594918104   2,976,357 7,915 SH   SOLE   7,915 0 0
Netflix Inc Common Stock 64110L106   250,256 514 SH   SOLE   514 0 0
NVIDIA Corp Common Stock 67066G104   1,018,172 2,056 SH   SOLE   2,056 0 0
Oracle Corp Common Stock 68389X105   259,780 2,464 SH   SOLE   2,464 0 0
PepsiCo Inc Common Stock 713448108   901,341 5,307 SH   SOLE   5,307 0 0
PHILLIPS EDISON & CO INC Common Stock 71844V201   232,848 6,383 SH   SOLE   6,383 0 0
PIMCO Interm Muni Bond Active ETF Fixed Income ETF 72201R866   1,979,736 37,495 SH   SOLE   37,495 0 0
Procter & Gamble Co Common Stock 742718109   370,746 2,530 SH   SOLE   2,530 0 0
Qualcomm Inc Common Stock 747525103   359,984 2,489 SH   SOLE   2,489 0 0
Real Estate Select Sector SPDR Fund Exchange Traded Fund 81369Y860   394,351 9,844 SH   SOLE   9,844 0 0
RTX Corporation Common Stock 75513E101   258,731 3,075 SH   SOLE   3,075 0 0
S&P Global Inc Common Stock 78409V104   459,022 1,042 SH   SOLE   1,042 0 0
SALESFORCE, INC. Common Stock 79466L302   439,444 1,670 SH   SOLE   1,670 0 0
ServiceNow Inc Common Stock 81762P102   373,733 529 SH   SOLE   529 0 0
SPDR Dow Jones Industrial Average ETF Trust Exchange Traded Fund 78467X109   511,789 1,358 SH   SOLE   1,358 0 0
Starbucks Corp Common Stock 855244109   309,920 3,228 SH   SOLE   3,228 0 0
Tesla Inc Common Stock 88160R101   392,598 1,580 SH   SOLE   1,580 0 0
TJX Companies Inc Common Stock 872540109   938,381 10,003 SH   SOLE   10,003 0 0
T-MOBILE US INC Common Stock 872590104   202,176 1,261 SH   SOLE   1,261 0 0
Travelers Companies Inc Common Stock 89417E109   488,416 2,564 SH   SOLE   2,564 0 0
Union Pacific Corp Common Stock 907818108   821,108 3,343 SH   SOLE   3,343 0 0
UnitedHealth Group Inc Common Stock 91324P102   1,530,448 2,907 SH   SOLE   2,907 0 0
Utilities Select Sector SPDR Fund Exchange Traded Fund 81369Y886   334,066 5,275 SH   SOLE   5,275 0 0
Vanguard Idx Fund Exchange Traded Fund 922908769   237,220 1,000 SH   SOLE   1,000 0 0
Vanguard Intermediate Term Bond ETF Fixed Income ETF 921937819   3,795,093 49,687 SH   SOLE   49,687 0 0
Vanguard Short-Term Corporate Bond Idx Fd Fixed Income ETF 92206C409   554,666 7,169 SH   SOLE   7,169 0 0
Vanguard Small-Cap Index Fund Exchange Traded Fund 922908751   1,635,174 7,665 SH   SOLE   7,665 0 0
Verizon Communications Inc Common Stock 92343V104   359,432 9,534 SH   SOLE   9,534 0 0
Visa Inc Common Stock 92826C839   1,584,490 6,086 SH   SOLE   6,086 0 0
Walmart Inc Common Stock 931142103   564,387 3,580 SH   SOLE   3,580 0 0
Walt Disney Co Common Stock 254687106   256,333 2,839 SH   SOLE   2,839 0 0