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   783,274 7,538 SH   SOLE   0 0 7,538
Abbvie Inc Common Stock 00287Y109   2,234,906 13,030 SH   SOLE   0 0 13,030
Accenture PLC F Class A Common Stock G1151C101   716,958 2,363 SH   SOLE   0 0 2,363
Adobe Inc Common Stock 00724F101   1,028,305 1,851 SH   SOLE   0 0 1,851
Air Prod & Chemicals Common Stock 009158106   580,354 2,249 SH   SOLE   0 0 2,249
Alphabet Inc. Class A Common Stock 02079K305   1,042,809 5,725 SH   SOLE   0 0 5,725
Alphabet Inc. Class C Common Stock 02079K107   9,016,560 49,158 SH   SOLE   0 0 49,158
Altria Group Inc Common Stock 02209S103   3,088,919 66,371 SH   SOLE   0 0 66,371
Amazon.com Inc Common Stock 023135106   3,144,757 16,273 SH   SOLE   0 0 16,273
American Electric Power Co. Common Stock 025537101   203,469 2,319 SH   SOLE   0 0 2,319
American Express Co Common Stock 025816109   1,100,557 4,753 SH   SOLE   0 0 4,753
American International Group Common Stock 026874784   293,174 3,949 SH   SOLE   0 0 3,949
Ameriprise Financial Common Stock 03076C106   359,694 842 SH   SOLE   0 0 842
Analog Devices Inc Common Stock 032654105   413,607 1,812 SH   SOLE   0 0 1,812
Apple Inc Common Stock 037833100   12,794,112 60,745 SH   SOLE   0 0 60,745
Applied Energetics Common Stock 03819M106   112,631 74,590 SH   SOLE   0 0 74,590
Arch Cap Group LTD F Common Stock G0450A105   3,560,206 35,288 SH   SOLE   0 0 35,288
Arm HLDGS PLC F Unsponsored ADR Common Stock 042068205   921,999 5,635 SH   SOLE   0 0 5,635
AT&T Common Stock 00206R102   789,281 41,302 SH   SOLE   0 0 41,302
Autodesk Inc Common Stock 052769106   873,993 3,532 SH   SOLE   0 0 3,532
Autozone Inc Common Stock 053332102   361,620 122 SH   SOLE   0 0 122
Baker Hughes Co. Class A Common Stock 05722G100   1,516,741 43,126 SH   SOLE   0 0 43,126
Ballard Power SYS F Common Stock 058586108   219,101 97,378 SH   SOLE   0 0 97,378
Bank Of America Corp Common Stock 060505104   1,471,808 37,008 SH   SOLE   0 0 37,008
Berkshire Hathaway Class B Common Stock 084670702   6,745,558 16,582 SH   SOLE   0 0 16,582
BlackRock Inc Common Stock 09247X101   464,519 590 SH   SOLE   0 0 590
Booking Holdings Inc Common Stock 09857L108   2,788,896 704 SH   SOLE   0 0 704
Bristol-Myers Squibb Common Stock 110122108   1,882,910 45,339 SH   SOLE   0 0 45,339
Broadcom Inc Common Stock 11135F101   4,572,549 2,848 SH   SOLE   0 0 2,848
Builders Firstsource Common Stock 12008R107   441,389 3,189 SH   SOLE   0 0 3,189
Cadence Design SYS Common Stock 127387108   253,278 823 SH   SOLE   0 0 823
Capital One Financial Corp. Common Stock 14040H105   483,023 3,489 SH   SOLE   0 0 3,489
Caterpillar Inc Common Stock 149123101   289,464 869 SH   SOLE   0 0 869
CBRE Group Inc Class A Common Stock 12504L109   844,139 9,473 SH   SOLE   0 0 9,473
CF Industries Holdings Inc. Common Stock 125269100   771,589 10,410 SH   SOLE   0 0 10,410
Charles Schwab Corp Common Stock 808513105   2,417,843 32,811 SH   SOLE   0 0 32,811
Check PT Software F Common Stock M22465104   3,207,765 19,441 SH   SOLE   0 0 19,441
Chevron Corp. Common Stock 166764100   1,653,373 10,570 SH   SOLE   0 0 10,570
Chipotle Mexican GRL Common Stock 169656105   609,710 9,732 SH   SOLE   0 0 9,732
CIGNA Corp Common Stock 125523100   2,972,155 8,991 SH   SOLE   0 0 8,991
Cintas Corp Common Stock 172908105   555,306 793 SH   SOLE   0 0 793
Cisco Systems Common Stock 17275R102   2,437,073 51,296 SH   SOLE   0 0 51,296
Citigroup Inc Common Stock 172967424   405,573 6,391 SH   SOLE   0 0 6,391
Cloudflare Inc Class A Common Stock 18915M107   537,567 6,490 SH   SOLE   0 0 6,490
Coca-Cola Common Stock 191216100   510,188 7,956 SH   SOLE   0 0 7,956
Colgate-Palmolive Co Common Stock 194162103   400,484 4,127 SH   SOLE   0 0 4,127
Comcast Corp Class A Common Stock 20030N101   1,398,521 35,713 SH   SOLE   0 0 35,713
Costco Wholesale Co Common Stock 22160K105   446,245 525 SH   SOLE   0 0 525
CRH Public Limited Co F Common Stock G25508105   1,146,894 15,296 SH   SOLE   0 0 15,296
Crown Castle Intl Co REIT Common Stock 22822V101   331,496 3,393 SH   SOLE   0 0 3,393
Danaher Corp Common Stock 235851102   547,763 2,190 SH   SOLE   0 0 2,190
Deere & Co Common Stock 244199105   875,108 2,333 SH   SOLE   0 0 2,333
Dell Technologies Inc Class C Common Stock 24703L202   529,436 3,839 SH   SOLE   0 0 3,839
Diageo PLC Common Stock 25243Q205   319,739 2,536 SH   SOLE   0 0 2,536
Discover Financial Services Common Stock 254709108   476,279 3,641 SH   SOLE   0 0 3,641
Dominion Energy Inc Common Stock 25746U109   1,355,095 27,655 SH   SOLE   0 0 27,655
Dropbox Inc Class A Common Stock 26210C104   2,556,434 113,771 SH   SOLE   0 0 113,771
Duke Energy Corp Common Stock 26441C204   450,333 4,493 SH   SOLE   0 0 4,493
Elevance Health Common Stock 036752103   279,600 516 SH   SOLE   0 0 516
Eli Lilly & Co. Common Stock 532457108   3,391,553 3,746 SH   SOLE   0 0 3,746
EOG Resources Inc. Common Stock 26875P101   1,601,444 12,723 SH   SOLE   0 0 12,723
EQT Corp Common Stock 26884L109   377,344 10,204 SH   SOLE   0 0 10,204
Equinix Inc REIT Common Stock 29444U700   583,339 771 SH   SOLE   0 0 771
Expeditors International of Washington Common Stock 302130109   1,584,708 12,699 SH   SOLE   0 0 12,699
ExxonMobil Common Stock 30231G102   1,571,948 13,655 SH   SOLE   0 0 13,655
Fastenal Co Common Stock 311900104   232,885 3,706 SH   SOLE   0 0 3,706
Fidelity Natl Info Common Stock 31620M106   447,111 5,933 SH   SOLE   0 0 5,933
Fiserv Inc Common Stock 337738108   320,138 2,148 SH   SOLE   0 0 2,148
General Dynamics Co Common Stock 369550108   313,931 1,082 SH   SOLE   0 0 1,082
General Electric Co Common Stock 369604301   704,396 4,431 SH   SOLE   0 0 4,431
Goldman Sachs Actvbeta US LRG ETF ETF 381430503   756,671 7,075 SH   SOLE   0 0 7,075
Goldman Sachs Group Common Stock 38141G104   252,395 558 SH   SOLE   0 0 558
HCA Healthcare Inc Common Stock 40412C101   275,016 856 SH   SOLE   0 0 856
Home Depot Common Stock 437076102   1,156,646 3,360 SH   SOLE   0 0 3,360
Honeywell Intl Inc Common Stock 438516106   628,021 2,941 SH   SOLE   0 0 2,941
IBM Common Stock 459200101   395,364 2,286 SH   SOLE   0 0 2,286
Intuit Inc Common Stock 461202103   347,664 529 SH   SOLE   0 0 529
Invsc QQQ Trust SRS 1 ETF ETF 46090E103   226,019 471 SH   SOLE   0 0 471
iShares Core MSCI EAFE ETF ETF 46432F842   2,502,012 34,444 SH   SOLE   0 0 34,444
iShares Core S&P Small Cap ETF ETF 464287804   522,101 4,895 SH   SOLE   0 0 4,895
iShares Russell 2000 ETF ETF 464287655   2,602,876 12,829 SH   SOLE   0 0 12,829
iShares S&P Small Cap 600 Value ETF ETF 464287879   1,009,274 10,376 SH   SOLE   0 0 10,376
iShares US Technology ETF ETF 464287721   413,875 2,750 SH   SOLE   0 0 2,750
Johnson & Johnson Common Stock 478160104   2,273,175 15,553 SH   SOLE   0 0 15,553
JPMorgan Active Growth ETF ETF 46654Q609   1,049,244 13,962 SH   SOLE   0 0 13,962
JPMorgan Active Value ETF ETF 46641Q167   1,111,125 18,750 SH   SOLE   0 0 18,750
JPMorgan Activebld Emrg MRKT Eqy ETF ETF 46641Q266   688,295 18,030 SH   SOLE   0 0 18,030
JPMorgan Betabuild Interl Eqy ETF ETF 46641Q373   1,658,317 28,069 SH   SOLE   0 0 28,069
JPMorgan Betabuilders US Eqy ETF ETF 46641Q399   2,804,956 28,587 SH   SOLE   0 0 28,587
JPMorgan Chase Common Stock 46625H100   3,512,447 17,366 SH   SOLE   0 0 17,366
JPMorgan DVRSFD RTRN Intrnl EQT ETF ETF 46641Q209   226,316 4,094 SH   SOLE   0 0 4,094
JPMorgan Equity Premium Income ETF ETF 46641Q332   359,748 6,347 SH   SOLE   0 0 6,347
JPMorgan Global Select Equity ETF ETF 46654Q740   1,406,958 23,294 SH   SOLE   0 0 23,294
JPMorgan Intern Resrch Enh EQT ETF ETF 46641Q134   459,046 7,333 SH   SOLE   0 0 7,333
JPMorgan U.S. Momentum Factor ETF ETF 46641Q779   543,920 10,148 SH   SOLE   0 0 10,148
JPMorgan U.S. Quality Factor ETF ETF 46641Q761   819,984 15,486 SH   SOLE   0 0 15,486
JPMRG DVSFD Retn Emrg MRKS Eqy ETF ETF 46641Q308   486,341 8,993 SH   SOLE   0 0 8,993
KLA Corp. Common Stock 482480100   380,924 462 SH   SOLE   0 0 462
L3Harris Technologies Inc. Common Stock 502431109   400,651 1,784 SH   SOLE   0 0 1,784
Labcorp HLDGS Inc Common Stock 504922105   1,318,338 6,478 SH   SOLE   0 0 6,478
Lam Research Corp Common Stock 512807108   1,105,241 1,036 SH   SOLE   0 0 1,036
Lennar Corp Class A Common Stock 526057104   903,566 6,029 SH   SOLE   0 0 6,029
Linde PLC F Common Stock G54950103   205,363 468 SH   SOLE   0 0 468
LKQ Corp Common Stock 501889208   281,855 6,777 SH   SOLE   0 0 6,777
Lockheed Martin Corp Common Stock 539830109   1,096,865 2,348 SH   SOLE   0 0 2,348
Lowes Companies Inc Common Stock 548661107   595,242 2,700 SH   SOLE   0 0 2,700
Marathon Pete Corp Common Stock 56585A102   1,772,057 10,215 SH   SOLE   0 0 10,215
Mastercard Inc Class A Common Stock 57636Q104   1,278,923 2,899 SH   SOLE   0 0 2,899
McDonald's Common Stock 580135101   627,671 2,463 SH   SOLE   0 0 2,463
McKesson Corp Common Stock 58155Q103   4,890,153 8,364 SH   SOLE   0 0 8,364
Merck & Co. Inc. Common Stock 58933Y105   4,300,222 34,521 SH   SOLE   0 0 34,521
Meta Platforms Inc Class A Common Stock 30303M102   6,241,235 12,378 SH   SOLE   0 0 12,378
Micron Technology Common Stock 595112103   719,206 5,468 SH   SOLE   0 0 5,468
Microsoft Common Stock 594918104   7,202,273 16,114 SH   SOLE   0 0 16,114
Mondelez Intl Class A Common Stock 609207105   839,318 12,743 SH   SOLE   0 0 12,743
Morgan Stanley Common Stock 617446448   282,531 2,907 SH   SOLE   0 0 2,907
Nestle S A F Sponsored ADR Common Stock 641069406   372,406 3,635 SH   SOLE   0 0 3,635
Netflix Inc Common Stock 64110L106   236,883 351 SH   SOLE   0 0 351
Nextera Energy Inc Common Stock 65339F101   394,128 5,566 SH   SOLE   0 0 5,566
Nintendo LTD F Sponsored ADR Common Stock 654445303   436,605 32,455 SH   SOLE   0 0 32,455
Nisource Inc 00500 Common Stock 65473P105   225,842 7,839 SH   SOLE   0 0 7,839
Norfolk Southern Co Common Stock 655844108   1,226,957 5,715 SH   SOLE   0 0 5,715
Northrop Grumman Corp Common Stock 666807102   798,660 1,832 SH   SOLE   0 0 1,832
Nvidia Corp Common Stock 67066G104   18,593,388 150,505 SH   SOLE   0 0 150,505
NVR Inc. Common Stock 62944T105   4,408,953 581 SH   SOLE   0 0 581
NXP Semiconductors F Common Stock N6596X109   267,406 990 SH   SOLE   0 0 990
Oracle Corp Common Stock 68389X105   1,420,048 10,057 SH   SOLE   0 0 10,057
O'Reilly Automotive Common Stock 67103H107   851,184 806 SH   SOLE   0 0 806
Owens Corning Fiberglas Common Stock 690742101   753,250 4,336 SH   SOLE   0 0 4,336
Paychex Inc Common Stock 704326107   397,057 3,349 SH   SOLE   0 0 3,349
Pepsico Inc Common Stock 713448108   2,124,463 12,881 SH   SOLE   0 0 12,881
Pfizer Common Stock 717081103   637,021 22,767 SH   SOLE   0 0 22,767
Philip Morris Intl Common Stock 718172109   3,652,329 35,588 SH   SOLE   0 0 35,588
Plug Power Inc Common Stock 72919P202   211,818 90,909 SH   SOLE   0 0 90,909
PNC Financial Services Common Stock 693475105   289,504 1,862 SH   SOLE   0 0 1,862
Post Holdings Inc Common Stock 737446104   877,236 8,422 SH   SOLE   0 0 8,422
Procter & Gamble Common Stock 742718109   3,005,653 18,225 SH   SOLE   0 0 18,225
Progressive Co. Common Stock 743315103   2,925,397 14,084 SH   SOLE   0 0 14,084
Prudential Financial Common Stock 744320102   281,373 2,401 SH   SOLE   0 0 2,401
Pultegroup Inc Common Stock 745867101   2,876,366 26,079 SH   SOLE   0 0 26,079
Qualcomm Inc Common Stock 747525103   2,133,616 10,712 SH   SOLE   0 0 10,712
Raytheon Technologies Co Common Stock 75513E101   1,696,089 16,895 SH   SOLE   0 0 16,895
Regeneron Pharms Inc Common Stock 75886F107   565,454 538 SH   SOLE   0 0 538
Roper Technologies Common Stock 776696106   220,391 391 SH   SOLE   0 0 391
RPM Interntnl Common Stock 749685103   315,287 2,928 SH   SOLE   0 0 2,928
S&P Global Inc Common Stock 78409V104   362,152 812 SH   SOLE   0 0 812
Salesforce Inc Common Stock 79466L302   453,782 1,765 SH   SOLE   0 0 1,765
Southern Co Common Stock 842587107   296,938 3,828 SH   SOLE   0 0 3,828
SPDR S&P 500 ETF ETF 78462F103   1,202,792 2,203 SH   SOLE   0 0 2,203
Starbucks Corp Common Stock 855244109   316,460 4,065 SH   SOLE   0 0 4,065
Target Corp Common Stock 87612E106   1,509,593 10,197 SH   SOLE   0 0 10,197
Te Connectivity LTD F Common Stock H84989104   222,486 1,479 SH   SOLE   0 0 1,479
Tesla Inc Common Stock 88160R101   1,322,630 6,684 SH   SOLE   0 0 6,684
Texas Instruments Common Stock 882508104   943,860 4,852 SH   SOLE   0 0 4,852
Textron Inc Common Stock 883203101   482,989 5,624 SH   SOLE   0 0 5,624
Thermo Fisher Scientific Common Stock 883556102   401,206 725 SH   SOLE   0 0 725
TJX Companies Inc Common Stock 872540109   557,546 5,064 SH   SOLE   0 0 5,064
Truist Finl Corp Common Stock 89832Q109   331,196 8,525 SH   SOLE   0 0 8,525
Union Pacific Corp Common Stock 907818108   203,181 898 SH   SOLE   0 0 898
United Parcel Service Class B Common Stock 911312106   362,516 2,649 SH   SOLE   0 0 2,649
UnitedHealth Group Common Stock 91324P102   830,094 1,630 SH   SOLE   0 0 1,630
Vanguard Dividend Appreciation ETF ETF 921908844   539,891 2,943 SH   SOLE   0 0 2,943
Vanguard FTSE All World Ex US ETF ETF 922042775   3,445,041 58,749 SH   SOLE   0 0 58,749
Vanguard FTSE Developed Markets ETF ETF 921943858   1,157,318 23,418 SH   SOLE   0 0 23,418
Vanguard High Dividend Yield ETF ETF 921946406   1,120,177 9,445 SH   SOLE   0 0 9,445
Vanguard Internatnl HGH DIV YLD ETF ETF 921946794   242,596 3,540 SH   SOLE   0 0 3,540
Vanguard Mega Cap ETF ETF 921910873   1,330,929 6,725 SH   SOLE   0 0 6,725
Vanguard Mid Cap ETF ETF 922908629   1,061,550 4,368 SH   SOLE   0 0 4,368
Vanguard Russell 1000 Growth ETF ETF 92206C680   1,264,575 13,460 SH   SOLE   0 0 13,460
Vanguard S&P 500 ETF ETF 922908363   44,560,884 88,782 SH   SOLE   0 0 88,782
Vanguard Small Cap ETF ETF 922908751   21,050,639 96,171 SH   SOLE   0 0 96,171
Vanguard Small Cap Value ETF ETF 922908611   3,152,790 17,178 SH   SOLE   0 0 17,178
Verizon Common Stock 92343V104   1,372,138 33,272 SH   SOLE   0 0 33,272
Vertex Pharmaceutical Common Stock 92532F100   3,722,574 7,942 SH   SOLE   0 0 7,942
Visa Inc Class A Common Stock 92826C839   893,185 3,403 SH   SOLE   0 0 3,403
Vistra Energy Corp Common Stock 92840M102   4,441,641 51,659 SH   SOLE   0 0 51,659
Wal-Mart Common Stock 931142103   2,201,184 32,509 SH   SOLE   0 0 32,509
Walt Disney Common Stock 254687106   508,778 5,124 SH   SOLE   0 0 5,124
Waste Management Inc Common Stock 94106L109   332,384 1,558 SH   SOLE   0 0 1,558
Wells Fargo & Co Common Stock 949746101   2,731,415 45,991 SH   SOLE   0 0 45,991
Westrock Co Common Stock 96145D105   423,943 8,435 SH   SOLE   0 0 8,435
Williams Cos Inc Common Stock 969457100   2,817,975 66,305 SH   SOLE   0 0 66,305
Willis Towers Watson P F Common Stock G96629103   581,011 2,209 SH   SOLE   0 0 2,209