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
Abbott Laboratories Common Stock 002824100   757,658 6,666 SH   SOLE   6,666 0 0
Accenture PLC Int'l Common Stock G1151C101   225,990 652 SH   SOLE   652 0 0
Adobe Inc. Common Stock 00724F101   1,131,313 2,242 SH   SOLE   2,242 0 0
Alphabet Inc Common Stock 02079K305   1,855,684 12,295 SH   SOLE   12,295 0 0
Amazon com Common Stock 023135106   1,390,910 7,711 SH   SOLE   7,711 0 0
American Century Focused Large Cap Value Exchange Traded Fund 025072794   1,221,368 18,800 SH   SOLE   18,800 0 0
American Express Company Common Stock 025816109   1,018,457 4,473 SH   SOLE   4,473 0 0
Amgen Inc Common Stock 031162100   425,911 1,498 SH   SOLE   1,498 0 0
Apple Inc. Common Stock 037833100   2,210,549 12,891 SH   SOLE   12,891 0 0
Applied Materials Inc Common Stock 038222105   980,417 4,754 SH   SOLE   4,754 0 0
Avantis U.S. Small Cap Value Exchange Traded Fund 025072877   1,326,465 14,155 SH   SOLE   14,155 0 0
Becton Dickinson and Company Common Stock 075887109   231,613 936 SH   SOLE   936 0 0
BERKSHIRE HATHAWAY INC DEL Common Stock 084670702   693,858 1,650 SH   SOLE   1,650 0 0
Broadcom Inc Common Stock 11135F101   465,219 351 SH   SOLE   351 0 0
Caterpillar Inc Common Stock 149123101   498,345 1,360 SH   SOLE   1,360 0 0
Chevron Corp. Common Stock 166764100   677,336 4,294 SH   SOLE   4,294 0 0
Cisco Systems Inc Common Stock 17275R102   206,627 4,140 SH   SOLE   4,140 0 0
Costco Wholesale Corporation Common Stock 22160K105   720,175 983 SH   SOLE   983 0 0
CVS Health Common Stock 126650100   217,266 2,724 SH   SOLE   2,724 0 0
Eaton Corp. PLC Int'l Common Stock G29183103   413,363 1,322 SH   SOLE   1,322 0 0
Eli Lilly and Co Common Stock 532457108   641,039 824 SH   SOLE   824 0 0
Exxon Mobil Corp Common Stock 30231G102   650,944 5,600 SH   SOLE   5,600 0 0
General Electric Co Common Stock 369604301   258,029 1,470 SH   SOLE   1,470 0 0
Home Depot Common Stock 437076102   963,220 2,511 SH   SOLE   2,511 0 0
Honeywell International Inc Common Stock 438516106   585,989 2,855 SH   SOLE   2,855 0 0
Invesco Russell 1000 Dynamic Multifactor Exchange Traded Fund 46138J619   44,084,144 798,192 SH   SOLE   797,699 322 171
Invesco Russell 1000 Dynamic Multifactor Exchange Traded Fund 46138J619   212,525 3,848 SH   OTR   3,848 0 0
Invesco Russell 2000 Dynamic Multifactor Exchange Traded Fund 46138J593   926,876 24,540 SH   SOLE   24,540 0 0
iShares Core MSCI EAFE ETF International Equity ETF 46432F842   3,374,412 45,465 SH   SOLE   45,465 0 0
iShares Core MSCI Emerging Markets ETF International Equity ETF 46434G103   1,452,230 28,144 SH   SOLE   28,144 0 0
iShares Core S&P 500 Index Fund Exchange Traded Fund 464287200   44,246,488 84,162 SH   SOLE   84,110 34 18
iShares Core S&P 500 Index Fund Exchange Traded Fund 464287200   216,601 412 SH   OTR   412 0 0
iShares Core S&P Mid-Cap Index Fund Exchange Traded Fund 464287507   1,176,473 19,369 SH   SOLE   19,369 0 0
iShares MSCI EAFE ETF International Equity ETF 464287465   1,419,432 17,774 SH   SOLE   17,774 0 0
iShares MSCI Emerging Markets ETF International Equity ETF 464287234   541,147 13,173 SH   SOLE   13,173 0 0
iShares Russell 1000 Index Fund Exchange Traded Fund 464287622   2,078,713 7,217 SH   SOLE   7,217 0 0
Johnson & Johnson Common Stock 478160104   850,429 5,376 SH   SOLE   5,376 0 0
JPMorgan Active Growth Exchange Traded Fund 46654Q609   15,310,624 218,069 SH   SOLE   217,797 272 0
JPMorgan Chase & Co Common Stock 46625H100   1,300,748 6,494 SH   SOLE   6,494 0 0
JPMorgan Hedged Equity Laddered Overlay Exchange Traded Fund 46654Q724   4,600,006 82,187 SH   SOLE   82,187 0 0
JPMorgan Hedged Equity Laddered Overlay Exchange Traded Fund 46654Q724   3,302 59 SH   OTR   59 0 0
Lockheed Martin Corp Common Stock 539830109   302,943 666 SH   SOLE   666 0 0
Mastercard Inc Common Stock 57636Q104   1,019,965 2,118 SH   SOLE   2,118 0 0
Materials Select Sector SPDR Fund Exchange Traded Fund 81369Y100   571,459 6,152 SH   SOLE   6,152 0 0
Mcdonald's Corp Common Stock 580135101   672,733 2,386 SH   SOLE   2,386 0 0
Meta Platforms Inc Common Stock 30303M102   517,628 1,066 SH   SOLE   1,066 0 0
Microsoft Corp Common Stock 594918104   3,214,301 7,640 SH   SOLE   7,640 0 0
Netflix Inc Common Stock 64110L106   402,660 663 SH   SOLE   663 0 0
NVIDIA Corp Common Stock 67066G104   1,751,099 1,938 SH   SOLE   1,938 0 0
Oracle Corp Common Stock 68389X105   318,924 2,539 SH   SOLE   2,539 0 0
PepsiCo Inc Common Stock 713448108   1,021,008 5,834 SH   SOLE   5,834 0 0
Procter & Gamble Co Common Stock 742718109   520,011 3,205 SH   SOLE   3,205 0 0
PROGRESSIVE CORP Common Stock 743315103   282,309 1,365 SH   SOLE   1,365 0 0
Qualcomm Inc Common Stock 747525103   449,322 2,654 SH   SOLE   2,654 0 0
Real Estate Select Sector SPDR Fund Exchange Traded Fund 81369Y860   428,663 10,844 SH   SOLE   10,844 0 0
RTX Corporation Common Stock 75513E101   446,687 4,580 SH   SOLE   4,580 0 0
S&P Global Inc Common Stock 78409V104   558,190 1,312 SH   SOLE   1,312 0 0
SALESFORCE, INC. Common Stock 79466L302   664,102 2,205 SH   SOLE   2,205 0 0
ServiceNow Inc Common Stock 81762P102   453,628 595 SH   SOLE   595 0 0
SPDR Dow Jones Industrial Average ETF Trust Exchange Traded Fund 78467X109   540,158 1,358 SH   SOLE   1,358 0 0
Starbucks Corp Common Stock 855244109   279,745 3,061 SH   SOLE   3,061 0 0
Tesla Inc Common Stock 88160R101   332,243 1,890 SH   SOLE   1,890 0 0
Thermo Fisher Scientific Inc Common Stock 883556102   279,562 481 SH   SOLE   481 0 0
TJX Companies Inc Common Stock 872540109   1,063,693 10,488 SH   SOLE   10,488 0 0
T-MOBILE US INC Common Stock 872590104   398,420 2,441 SH   SOLE   2,441 0 0
Travelers Companies Inc Common Stock 89417E109   590,079 2,564 SH   SOLE   2,564 0 0
Union Pacific Corp Common Stock 907818108   850,426 3,458 SH   SOLE   3,458 0 0
UnitedHealth Group Inc Common Stock 91324P102   1,461,344 2,954 SH   SOLE   2,954 0 0
Utilities Select Sector SPDR Fund Exchange Traded Fund 81369Y886   411,954 6,275 SH   SOLE   6,275 0 0
Valero Energy Corp Common Stock 91913Y100   238,795 1,399 SH   SOLE   1,399 0 0
Vanguard 500 Index Fund Exchange Traded Fund 922908363   5,069,462 10,546 SH   SOLE   10,546 0 0
Vanguard Emerging Markets Stock Index Fund International Equity ETF 922042858   763,597 18,281 SH   SOLE   18,281 0 0
Vanguard Idx Fund Exchange Traded Fund 922908769   220,915 850 SH   SOLE   850 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908553   338,223 3,911 SH   SOLE   3,911 0 0
Vanguard Intermediate Term Bond ETF Fixed Income ETF 921937819   2,950,930 39,137 SH   SOLE   39,137 0 0
Vanguard Mid-Cap Index Fund Exchange Traded Fund 922908629   989,196 3,959 SH   SOLE   3,959 0 0
Vanguard Short-Term Corporate Bond Idx Fd Fixed Income ETF 92206C409   393,663 5,092 SH   SOLE   5,092 0 0
Vanguard Small-Cap Index Fund Exchange Traded Fund 922908751   3,816,310 16,695 SH   SOLE   16,695 0 0
Vanguard Small-Cap Index Fund Exchange Traded Fund 922908751   6,172 27 SH   OTR   27 0 0
Verizon Communications Inc Common Stock 92343V104   314,364 7,492 SH   SOLE   7,492 0 0
VERTEX PHARMACEUTICALS INC Common Stock 92532F100   215,693 516 SH   SOLE   516 0 0
Visa Inc Common Stock 92826C839   1,743,413 6,247 SH   SOLE   6,247 0 0
Walmart Inc Common Stock 931142103   696,769 11,580 SH   SOLE   11,580 0 0
Walt Disney Co Common Stock 254687106   408,560 3,339 SH   SOLE   3,339 0 0