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 LABS COM 002824100   794,485 7,218 SH   SOLE   0 0 7,218
ABBVIE INC COM 00287Y109   6,113,440 39,449 SH   SOLE   0 0 39,449
ADOBE INC COM 00724F101   2,887,335 4,840 SH   SOLE   0 0 4,840
AES CORP COM 00130H105   2,748,477 142,778 SH   SOLE   0 0 142,778
AGNICO EAGLE MINES LTD COM 008474108   7,485,245 136,468 SH   SOLE   0 0 136,468
ALBEMARLE CORP COM 012653101   2,354,546 16,297 SH   SOLE   0 0 16,297
ALPHABET INC CAP STK CL C 02079K107   3,042,371 21,588 SH   SOLE   0 0 21,588
ALPHABET INC CAP STK CL A 02079K305   5,048,564 36,141 SH   SOLE   0 0 36,141
AMAZON COM INC COM 023135106   3,220,475 21,196 SH   SOLE   0 0 21,196
APPLE INC COM 037833100   7,418,055 38,529 SH   SOLE   0 0 38,529
AUTOZONE INC COM 053332102   7,883,783 3,049 SH   SOLE   0 0 3,049
BANK AMERICA CORP COM 060505104   2,515,755 74,718 SH   SOLE   0 0 74,718
BCE INC COM NEW 05534B760   2,583,328 65,600 SH   SOLE   0 0 65,600
BERKSHIRE HATHAWAY INC DEL CL A 084670108   542,625 1 SH   SOLE   0 0 1
BRISTOL-MYERS SQUIBB CO COM 110122108   4,702,061 91,640 SH   SOLE   0 0 91,640
BROADCOM INC COM 11135F101   16,602,110 14,873 SH   SOLE   0 0 14,873
CHEVRON CORP NEW COM 166764100   7,421,951 49,758 SH   SOLE   0 0 49,758
CHUBB LIMITED COM H1467J104   1,408,590 6,233 SH   SOLE   0 0 6,233
CISCO SYS INC COM 17275R102   3,745,049 74,130 SH   SOLE   0 0 74,130
COLGATE PALMOLIVE CO COM 194162103   634,970 7,966 SH   SOLE   0 0 7,966
COMCAST CORP NEW CL A 20030N101   5,094,756 116,186 SH   SOLE   0 0 116,186
CONSTELLATION BRANDS INC CL A 21036P108   2,624,364 10,856 SH   SOLE   0 0 10,856
COSTCO WHSL CORP NEW COM 22160K105   4,712,453 7,139 SH   SOLE   0 0 7,139
CSX CORP COM 126408103   442,043 12,750 SH   SOLE   0 0 12,750
CVS HEALTH CORP COM 126650100   5,448,398 69,002 SH   SOLE   0 0 69,002
DEERE & CO COM 244199105   2,865,842 7,167 SH   SOLE   0 0 7,167
DELL TECHNOLOGIES INC CL C 24703L202   1,082,399 14,149 SH   SOLE   0 0 14,149
DIAMONDBACK ENERGY INC COM 25278X109   2,959,793 19,086 SH   SOLE   0 0 19,086
EATON CORP PLC SHS G29183103   4,110,316 17,068 SH   SOLE   0 0 17,068
EDWARDS LIFESCIENCES CORP COM 28176E108   4,960,207 65,052 SH   SOLE   0 0 65,052
EXXON MOBIL CORP COM 30231G102   520,796 5,209 SH   SOLE   0 0 5,209
FRANKLIN BSP RLTY TR INC COMMON STOCK 35243J101   1,877,890 139,000 SH   SOLE   0 0 139,000
HONEYWELL INTL INC COM 438516106   2,944,809 14,042 SH   SOLE   0 0 14,042
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332   256,108 8,600 SH   SOLE   0 0 8,600
ISHARES TR 0-3 MNTH TREASRY 46436E718   25,612,169 255,432 SH   SOLE   0 0 255,432
ISHARES TR MSCI EAFE ETF 464287465   4,760,613 63,180 SH   SOLE   0 0 63,180
ISHARES TR CORE S&P TTL STK 464287150   260,332 2,474 SH   SOLE   0 0 2,474
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   5,900,811 115,793 SH   SOLE   0 0 115,793
JOHNSON & JOHNSON COM 478160104   5,674,851 36,206 SH   SOLE   0 0 36,206
JPMORGAN CHASE & CO COM 46625H100   10,255,700 60,292 SH   SOLE   0 0 60,292
KINDER MORGAN INC DEL COM 49456B101   3,056,818 173,289 SH   SOLE   0 0 173,289
KRAFT HEINZ CO COM 500754106   2,548,810 68,924 SH   SOLE   0 0 68,924
LABORATORY CORP AMER HLDGS COM NEW 50540R409   306,842 1,350 SH   SOLE   0 0 1,350
LOWES COS INC COM 548661107   5,489,886 24,668 SH   SOLE   0 0 24,668
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100   3,142,014 33,046 SH   SOLE   0 0 33,046
MARRIOTT INTL INC NEW CL A 571903202   1,555,186 6,896 SH   SOLE   0 0 6,896
MASTERCARD INCORPORATED CL A 57636Q104   7,089,427 16,622 SH   SOLE   0 0 16,622
MCDONALDS CORP COM 580135101   4,058,332 13,687 SH   SOLE   0 0 13,687
MEDTRONIC PLC SHS G5960L103   2,579,483 31,312 SH   SOLE   0 0 31,312
MERCK & CO INC COM 58933Y105   5,363,962 49,202 SH   SOLE   0 0 49,202
META PLATFORMS INC CL A 30303M102   3,384,212 9,561 SH   SOLE   0 0 9,561
MICROSOFT CORP COM 594918104   12,498,393 33,237 SH   SOLE   0 0 33,237
MODERNA INC COM 60770K107   585,562 5,888 SH   SOLE   0 0 5,888
MONDELEZ INTL INC CL A 609207105   497,739 6,872 SH   SOLE   0 0 6,872
MORGAN STANLEY COM NEW 617446448   3,144,110 33,717 SH   SOLE   0 0 33,717
NORFOLK SOUTHN CORP COM 655844108   627,589 2,655 SH   SOLE   0 0 2,655
NOVO-NORDISK A S ADR 670100205   8,213,908 79,400 SH   SOLE   0 0 79,400
NXP SEMICONDUCTORS N V COM N6596X109   6,507,488 28,333 SH   SOLE   0 0 28,333
ORACLE CORP COM 68389X105   533,476 5,060 SH   SOLE   0 0 5,060
PALO ALTO NETWORKS INC COM 697435105   3,949,180 13,393 SH   SOLE   0 0 13,393
PEPSICO INC COM 713448108   5,161,908 30,393 SH   SOLE   0 0 30,393
PHILLIPS 66 COM 718546104   5,133,353 38,556 SH   SOLE   0 0 38,556
PNC FINL SVCS GROUP INC COM 693475105   3,953,940 25,534 SH   SOLE   0 0 25,534
PROCTER AND GAMBLE CO COM 742718109   230,654 1,574 SH   SOLE   0 0 1,574
QUALCOMM INC COM 747525103   5,204,612 35,986 SH   SOLE   0 0 35,986
READY CAPITAL CORP COM 75574U101   1,487,357 145,108 SH   SOLE   0 0 145,108
RPM INTL INC COM 749685103   256,749 2,300 SH   SOLE   0 0 2,300
RTX CORPORATION COM 75513E101   4,714,243 56,029 SH   SOLE   0 0 56,029
SALESFORCE INC COM 79466L302   1,654,164 6,286 SH   SOLE   0 0 6,286
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,073,930 19,291 SH   SOLE   0 0 19,291
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   7,704,900 92,875 SH   SOLE   0 0 92,875
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   13,264,026 174,229 SH   SOLE   0 0 174,229
SMUCKER J M CO COM NEW 832696405   3,120,322 24,690 SH   SOLE   0 0 24,690
SOUTHERN CO COM 842587107   3,042,647 43,392 SH   SOLE   0 0 43,392
SPDR GOLD TR GOLD SHS 78463V107   205,317 1,074 SH   SOLE   0 0 1,074
TARGET CORP COM 87612E106   2,808,807 19,722 SH   SOLE   0 0 19,722
THERMO FISHER SCIENTIFIC INC COM 883556102   7,039,771 13,263 SH   SOLE   0 0 13,263
TJX COS INC NEW COM 872540109   5,730,665 61,088 SH   SOLE   0 0 61,088
TRANE TECHNOLOGIES PLC SHS G8994E103   3,944,801 16,174 SH   SOLE   0 0 16,174
TRAVELERS COMPANIES INC COM 89417E109   9,132,553 47,942 SH   SOLE   0 0 47,942
UNION PAC CORP COM 907818108   2,766,172 11,262 SH   SOLE   0 0 11,262
UNITED PARCEL SERVICE INC CL B 911312106   2,720,865 17,305 SH   SOLE   0 0 17,305
UNITEDHEALTH GROUP INC COM 91324P102   4,063,209 7,718 SH   SOLE   0 0 7,718
VALERO ENERGY CORP COM 91913Y100   968,460 7,450 SH   SOLE   0 0 7,450
VANECK ETF TRUST GOLD MINERS ETF 92189F106   1,160,735 37,431 SH   SOLE   0 0 37,431
VANGUARD INDEX FDS GROWTH ETF 922908736   281,606 906 SH   SOLE   0 0 906
VANGUARD INDEX FDS LARGE CAP ETF 922908637   263,609 1,208 SH   SOLE   0 0 1,208
VANGUARD INDEX FDS MID CAP ETF 922908629   4,257,741 18,302 SH   SOLE   0 0 18,302
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,491,585 6,992 SH   SOLE   0 0 6,992
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   277,888 6,761 SH   SOLE   0 0 6,761
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   264,947 1,555 SH   SOLE   0 0 1,555
VERIZON COMMUNICATIONS INC COM 92343V104   3,206,465 85,052 SH   SOLE   0 0 85,052
VERTEX PHARMACEUTICALS INC COM 92532F100   3,714,824 9,130 SH   SOLE   0 0 9,130
VISA INC COM CL A 92826C839   2,752,628 10,573 SH   SOLE   0 0 10,573
WARNER BROS DISCOVERY INC COM SER A 934423104   1,370,761 120,454 SH   SOLE   0 0 120,454
ZOETIS INC CL A 98978V103   1,856,610 9,407 SH   SOLE   0 0 9,407