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   503,060 1,430 SH   SOLE   0 0 1,430
LINDE PLC SHS G54950103   338,705 809 SH   SOLE   0 0 809
MEDTRONIC PLC SHS G5960L103   344,922 4,318 SH   SOLE   0 0 4,318
CHUBB LIMITED COM H1467J104   345,652 1,251 SH   SOLE   0 0 1,251
CHECK POINT SOFTWARE TECH LT ORD M22465104   743,253 3,981 SH   SOLE   0 0 3,981
ABBOTT LABS COM 002824100   395,600 3,497 SH   SOLE   0 0 3,497
ABBVIE INC COM 00287Y109   1,512,227 8,510 SH   SOLE   0 0 8,510
AIRBNB INC COM CL A 009066101   345,215 2,627 SH   SOLE   0 0 2,627
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   1,103,373 13,013 SH   SOLE   0 0 13,013
ALPHABET INC CAP STK CL C 02079K107   5,581,606 29,309 SH   SOLE   0 0 29,309
ALPHABET INC CAP STK CL A 02079K305   352,477 1,862 SH   SOLE   0 0 1,862
AMAZON COM INC COM 023135106   2,838,907 12,940 SH   SOLE   0 0 12,940
AMBEV SA SPONSORED ADR 02319V103   180,912 97,790 SH   SOLE   0 0 97,790
AMERICAN EXPRESS CO COM 025816109   4,419,204 14,890 SH   SOLE   0 0 14,890
AMGEN INC COM 031162100   1,699,634 6,521 SH   SOLE   0 0 6,521
APPLE INC COM 037833100   7,904,600 31,565 SH   SOLE   0 0 31,565
APPLIED MATLS INC COM 038222105   1,291,771 7,943 SH   SOLE   0 0 7,943
BANK AMERICA CORP COM 060505104   1,897,893 43,183 SH   SOLE   0 0 43,183
BANK NEW YORK MELLON CORP COM 064058100   1,661,603 21,627 SH   SOLE   0 0 21,627
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,706,018 8,176 SH   SOLE   0 0 8,176
BIOGEN INC COM 09062X103   201,243 1,316 SH   SOLE   0 0 1,316
BLACKROCK INC COM 09290D101   1,550,022 1,512 SH   SOLE   0 0 1,512
BOOKING HOLDINGS INC COM 09857L108   874,442 176 SH   SOLE   0 0 176
BRISTOL-MYERS SQUIBB CO COM 110122108   219,170 3,875 SH   SOLE   0 0 3,875
THE CIGNA GROUP COM 125523100   943,295 3,416 SH   SOLE   0 0 3,416
CVS HEALTH CORP COM 126650100   850,223 18,940 SH   SOLE   0 0 18,940
CARRIER GLOBAL CORPORATION COM 14448C104   231,265 3,388 SH   SOLE   0 0 3,388
CEMEX SAB DE CV SPON ADR NEW 151290889   135,360 24,000 SH   SOLE   0 0 24,000
CHIPOTLE MEXICAN GRILL INC COM 169656105   388,935 6,450 SH   SOLE   0 0 6,450
CISCO SYS INC COM 17275R102   2,262,919 38,225 SH   SOLE   0 0 38,225
COCA COLA CO COM 191216100   1,357,893 21,810 SH   SOLE   0 0 21,810
COMCAST CORP NEW CL A 20030N101   1,264,103 33,682 SH   SOLE   0 0 33,682
CUMMINS INC COM 231021106   899,737 2,581 SH   SOLE   0 0 2,581
DANAHER CORPORATION COM 235851102   353,278 1,539 SH   SOLE   0 0 1,539
DEERE & CO COM 244199105   470,307 1,110 SH   SOLE   0 0 1,110
DIAGEO PLC SPON ADR NEW 25243Q205   480,171 3,777 SH   SOLE   0 0 3,777
DISNEY WALT CO COM 254687106   1,877,139 16,858 SH   SOLE   0 0 16,858
DOVER CORP COM 260003108   354,564 1,890 SH   SOLE   0 0 1,890
EMERSON ELEC CO COM 291011104   559,297 4,513 SH   SOLE   0 0 4,513
EQUITY RESIDENTIAL SH BEN INT 29476L107   313,018 4,362 SH   SOLE   0 0 4,362
EXPEDITORS INTL WASH INC COM 302130109   375,400 3,389 SH   SOLE   0 0 3,389
META PLATFORMS INC CL A 30303M102   4,715,113 8,053 SH   SOLE   0 0 8,053
FEDEX CORP COM 31428X106   1,983,940 7,052 SH   SOLE   0 0 7,052
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   321,555 4,113 SH   SOLE   0 0 4,113
GE VERNOVA INC COM 36828A101   728,580 2,215 SH   SOLE   0 0 2,215
GE AEROSPACE COM NEW 369604301   1,552,982 9,311 SH   SOLE   0 0 9,311
GENERAL MLS INC COM 370334104   306,415 4,805 SH   SOLE   0 0 4,805
GENERAL MTRS CO COM 37045V100   367,563 6,900 SH   SOLE   0 0 6,900
GOLDMAN SACHS GROUP INC COM 38141G104   3,353,836 5,857 SH   SOLE   0 0 5,857
HOME DEPOT INC COM 437076102   328,587 845 SH   SOLE   0 0 845
HONEYWELL INTL INC COM 438516106   753,344 3,335 SH   SOLE   0 0 3,335
INTEL CORP COM 458140100   598,212 29,836 SH   SOLE   0 0 29,836
INTERNATIONAL BUSINESS MACHS COM 459200101   1,767,872 8,042 SH   SOLE   0 0 8,042
INTUIT COM 461202103   295,395 470 SH   SOLE   0 0 470
ISHARES GOLD TR ISHARES NEW 464285204   329,044 6,646 SH   SOLE   0 0 6,646
ISHARES TR CORE S&P MCP ETF 464287507   559,856 8,985 SH   SOLE   0 0 8,985
ISHARES TR ISHS 5-10YR INVT 464288638   381,174 7,400 SH   SOLE   0 0 7,400
ISHARES TR ISHS 1-5YR INVS 464288646   666,930 12,900 SH   SOLE   0 0 12,900
ISHARES TR CORE MSCI INTL 46435G326   270,774 4,200 SH   SOLE   0 0 4,200
JPMORGAN CHASE & CO. COM 46625H100   4,378,039 18,264 SH   SOLE   0 0 18,264
JOHNSON & JOHNSON COM 478160104   1,828,946 12,647 SH   SOLE   0 0 12,647
KELLANOVA COM 487836108   416,267 5,141 SH   SOLE   0 0 5,141
KIMBERLY-CLARK CORP COM 494368103   425,487 3,247 SH   SOLE   0 0 3,247
KROGER CO COM 501044101   203,263 3,324 SH   SOLE   0 0 3,324
LOCKHEED MARTIN CORP COM 539830109   1,061,779 2,185 SH   SOLE   0 0 2,185
LOWES COS INC COM 548661107   889,529 3,604 SH   SOLE   0 0 3,604
MCDONALDS CORP COM 580135101   342,028 1,180 SH   SOLE   0 0 1,180
MCKESSON CORP COM 58155Q103   2,304,147 4,043 SH   SOLE   0 0 4,043
MERCK & CO INC COM 58933Y105   2,106,887 21,179 SH   SOLE   0 0 21,179
MICROSOFT CORP COM 594918104   5,124,602 12,158 SH   SOLE   0 0 12,158
NOVO-NORDISK A S ADR 670100205   606,011 7,045 SH   SOLE   0 0 7,045
NVIDIA CORPORATION COM 67066G104   237,560 1,769 SH   SOLE   0 0 1,769
ORACLE CORP COM 68389X105   3,175,315 19,055 SH   SOLE   0 0 19,055
PAYCHEX INC COM 704326107   504,792 3,600 SH   SOLE   0 0 3,600
PAYPAL HLDGS INC COM 70450Y103   982,806 11,515 SH   SOLE   0 0 11,515
PEPSICO INC COM 713448108   542,855 3,570 SH   SOLE   0 0 3,570
PFIZER INC COM 717081103   585,226 22,059 SH   SOLE   0 0 22,059
POLARIS INC COM 731068102   437,567 7,594 SH   SOLE   0 0 7,594
PRICE T ROWE GROUP INC COM 74144T108   610,913 5,402 SH   SOLE   0 0 5,402
PROCTER AND GAMBLE CO COM 742718109   1,013,246 6,044 SH   SOLE   0 0 6,044
QUALCOMM INC COM 747525103   1,471,680 9,580 SH   SOLE   0 0 9,580
RTX CORPORATION COM 75513E101   1,574,001 13,602 SH   SOLE   0 0 13,602
S&P GLOBAL INC COM 78409V104   231,086 464 SH   SOLE   0 0 464
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,161,168 7,100 SH   SOLE   0 0 7,100
SANOFI SPONSORED ADR 80105N105   343,687 7,126 SH   SOLE   0 0 7,126
SCHWAB CHARLES CORP COM 808513105   2,046,229 27,648 SH   SOLE   0 0 27,648
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   19,799,816 872,239 SH   SOLE   0 0 872,239
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,225,628 96,015 SH   SOLE   0 0 96,015
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   273,337 10,005 SH   SOLE   0 0 10,005
SOUTHERN CO COM 842587107   427,880 5,198 SH   SOLE   0 0 5,198
STARBUCKS CORP COM 855244109   926,389 10,152 SH   SOLE   0 0 10,152
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   1,279,736 6,480 SH   SOLE   0 0 6,480
TARGET CORP COM 87612E106   837,170 6,193 SH   SOLE   0 0 6,193
TESLA INC COM 88160R101   9,960,310 24,664 SH   SOLE   0 0 24,664
TEXAS INSTRS INC COM 882508104   993,713 5,300 SH   SOLE   0 0 5,300
3M CO COM 88579Y101   1,509,017 11,690 SH   SOLE   0 0 11,690
TOAST INC CL A 888787108   472,028 12,950 SH   SOLE   0 0 12,950
UNILEVER PLC SPON ADR NEW 904767704   940,653 16,590 SH   SOLE   0 0 16,590
UNION PAC CORP COM 907818108   220,287 966 SH   SOLE   0 0 966
UNITED PARCEL SERVICE INC CL B 911312106   293,119 2,324 SH   SOLE   0 0 2,324
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   363,169 4,700 SH   SOLE   0 0 4,700
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   751,714 5,892 SH   SOLE   0 0 5,892
VANGUARD INDEX FDS GROWTH ETF 922908736   491,297 1,197 SH   SOLE   0 0 1,197
VISA INC COM CL A 92826C839   342,975 1,085 SH   SOLE   0 0 1,085
WALMART INC COM 931142103   2,496,056 27,627 SH   SOLE   0 0 27,627
WELLS FARGO CO NEW COM 949746101   2,984,568 42,491 SH   SOLE   0 0 42,491
ZOOM COMMUNICATIONS INC CL A 98980L101   818,875 10,034 SH   SOLE   0 0 10,034