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
LINDE PLC SHS G54950103   278,582 600 SH   SOLE   0 0 600
EATON CORP PLC SHS G29183103   343,773 1,099 SH   SOLE   0 0 1,099
WISDOMTREE TR US QTLY DIV GRT 97717X669   1,660,415 21,793 SH   SOLE   0 0 21,793
WELLS FARGO CO NEW COM 949746101   270,509 4,667 SH   SOLE   0 0 4,667
VISA INC COM CL A 92826C839   466,852 1,673 SH   SOLE   0 0 1,673
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,104,755 8,098 SH   SOLE   0 0 8,098
VANGUARD INDEX FDS VALUE ETF 922908744   826,374 5,074 SH   SOLE   0 0 5,074
VANGUARD INDEX FDS GROWTH ETF 922908736   839,939 2,440 SH   SOLE   0 0 2,440
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   302,315 3,755 SH   SOLE   0 0 3,755
VANGUARD WORLD FD INF TECH ETF 92204A702   373,085 712 SH   SOLE   0 0 712
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   317,998 5,422 SH   SOLE   0 0 5,422
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   1,392,194 20,235 SH   SOLE   0 0 20,235
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   5,367,612 44,364 SH   SOLE   0 0 44,364
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   446,684 8,903 SH   SOLE   0 0 8,903
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,573,573 8,617 SH   SOLE   0 0 8,617
UNITEDHEALTH GROUP INC COM 91324P102   296,023 598 SH   SOLE   0 0 598
TEXAS INSTRS INC COM 882508104   335,496 1,926 SH   SOLE   0 0 1,926
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   311,245 4,741 SH   SOLE   0 0 4,741
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   609,867 15,428 SH   SOLE   0 0 15,428
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   410,269 5,024 SH   SOLE   0 0 5,024
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   563,665 2,706 SH   SOLE   0 0 2,706
SELECT SECTOR SPDR TR INDL 81369Y704   278,288 2,209 SH   SOLE   0 0 2,209
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   504,193 11,970 SH   SOLE   0 0 11,970
SELECT SECTOR SPDR TR ENERGY 81369Y506   266,285 2,821 SH   SOLE   0 0 2,821
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   357,309 1,943 SH   SOLE   0 0 1,943
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   881,384 5,966 SH   SOLE   0 0 5,966
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   3,584,249 44,453 SH   SOLE   0 0 44,453
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   269,084 2,931 SH   SOLE   0 0 2,931
PROCTER AND GAMBLE CO COM 742718109   416,020 2,564 SH   SOLE   0 0 2,564
PEPSICO INC COM 713448108   272,434 1,557 SH   SOLE   0 0 1,557
ORACLE CORP COM 68389X105   375,574 2,990 SH   SOLE   0 0 2,990
NVIDIA CORPORATION COM 67066G104   1,481,203 1,639 SH   SOLE   0 0 1,639
NEXTERA ENERGY INC COM 65339F101   890,930 13,940 SH   SOLE   0 0 13,940
MICROSOFT CORP COM 594918104   2,832,710 6,733 SH   SOLE   0 0 6,733
MERCK & CO INC COM 58933Y105   434,971 3,296 SH   SOLE   0 0 3,296
MCDONALDS CORP COM 580135101   493,323 1,750 SH   SOLE   0 0 1,750
MARSH & MCLENNAN COS INC COM 571748102   466,531 2,265 SH   SOLE   0 0 2,265
LOCKHEED MARTIN CORP COM 539830109   297,092 653 SH   SOLE   0 0 653
ELI LILLY & CO COM 532457108   881,170 1,133 SH   SOLE   0 0 1,133
JOHNSON & JOHNSON COM 478160104   1,672,346 10,572 SH   SOLE   0 0 10,572
JPMORGAN CHASE & CO COM 46625H100   1,404,899 7,014 SH   SOLE   0 0 7,014
ISHARES TR 0-3 MNTH TREASRY 46436E718   2,524,199 25,064 SH   SOLE   0 0 25,064
ISHARES TR ESG AWR MSCI USA 46435G425   399,382 3,474 SH   SOLE   0 0 3,474
ISHARES TR CORE DIV GRWTH 46434V621   4,656,261 80,197 SH   SOLE   0 0 80,197
ISHARES INC CORE MSCI EMKT 46434G103   324,149 6,282 SH   SOLE   0 0 6,282
ISHARES TR CORE MSCI EAFE 46432F842   779,526 10,503 SH   SOLE   0 0 10,503
ISHARES TR CORE MSCI TOTAL 46432F834   445,189 6,560 SH   SOLE   0 0 6,560
ISHARES TR MSCI USA MMENTM 46432F396   628,274 3,353 SH   SOLE   0 0 3,353
ISHARES TR MSCI USA QLT FCT 46432F339   1,485,702 9,040 SH   SOLE   0 0 9,040
ISHARES TR MSCI USA MIN VOL 46429B697   374,449 4,480 SH   SOLE   0 0 4,480
ISHARES TR CORE HIGH DV ETF 46429B663   828,695 7,519 SH   SOLE   0 0 7,519
ISHARES TR CORE S&P SCP ETF 464287804   2,313,706 20,935 SH   SOLE   0 0 20,935
ISHARES TR CORE S&P US GWT 464287671   1,014,093 8,652 SH   SOLE   0 0 8,652
ISHARES TR CORE S&P US VLU 464287663   825,122 9,123 SH   SOLE   0 0 9,123
ISHARES TR RUSSELL 2000 ETF 464287655   235,271 1,119 SH   SOLE   0 0 1,119
ISHARES TR RUS 1000 ETF 464287622   1,500,849 5,211 SH   SOLE   0 0 5,211
ISHARES TR RUS 1000 GRW ETF 464287614   3,991,035 11,841 SH   SOLE   0 0 11,841
ISHARES TR RUS 1000 VAL ETF 464287598   509,866 2,847 SH   SOLE   0 0 2,847
ISHARES TR CORE S&P500 ETF 464287200   891,272 1,695 SH   SOLE   0 0 1,695
ISHARES TR CORE S&P TTL STK 464287150   2,394,472 20,767 SH   SOLE   0 0 20,767
HOME DEPOT INC COM 437076102   914,732 2,385 SH   SOLE   0 0 2,385
META PLATFORMS INC CL A 30303M102   565,351 1,164 SH   SOLE   0 0 1,164
EXXON MOBIL CORP COM 30231G102   910,990 7,837 SH   SOLE   0 0 7,837
DUPONT DE NEMOURS INC COM 26614N102   395,295 5,156 SH   SOLE   0 0 5,156
DOW INC COM 260557103   311,091 5,370 SH   SOLE   0 0 5,370
CORTEVA INC COM 22052L104   249,362 4,324 SH   SOLE   0 0 4,324
COMCAST CORP NEW CL A 20030N101   255,436 5,892 SH   SOLE   0 0 5,892
COCA COLA CO COM 191216100   859,028 14,041 SH   SOLE   0 0 14,041
CISCO SYS INC COM 17275R102   342,872 6,870 SH   SOLE   0 0 6,870
CHEVRON CORP NEW COM 166764100   696,679 4,417 SH   SOLE   0 0 4,417
BROADCOM INC COM 11135F101   693,189 523 SH   SOLE   0 0 523
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   235,519 4,102 SH   SOLE   0 0 4,102
BLACKROCK INC COM 09247X101   220,543 265 SH   SOLE   0 0 265
BECTON DICKINSON & CO COM 075887109   1,199,638 4,848 SH   SOLE   0 0 4,848
AUTOMATIC DATA PROCESSING IN COM 053015103   550,162 2,203 SH   SOLE   0 0 2,203
AUTOMATIC DATA PROCESSING IN COM 053015103   858,880 3,545 SH   SOLE   0 0 3,545
APPLE INC COM 037833100   2,086,673 12,169 SH   SOLE   0 0 12,169
AMGEN INC COM 031162100   264,702 931 SH   SOLE   0 0 931
AMAZON COM INC COM 023135106   784,473 4,349 SH   SOLE   0 0 4,349
ALPHABET INC CAP STK CL A 02079K305   622,586 4,125 SH   SOLE   0 0 4,125
ALPHABET INC CAP STK CL C 02079K107   382,020 2,509 SH   SOLE   0 0 2,509
ABBVIE INC COM 00287Y109   548,887 3,014 SH   SOLE   0 0 3,014
INTEL CORP COM 458140100   208,102 4,711 SH   SOLE   0 0 4,711
AMERICAN INTL GROUP INC COM NEW 026874784   616,605 7,888 SH   SOLE   0 0 7,888
ASTRAZENECA PLC SPONSORED ADR 046353108   201,594 2,976 SH   SOLE   0 0 2,976
BOSTON SCIENTIFIC CORP COM 101137107   219,305 3,202 SH   SOLE   0 0 3,202
CATERPILLAR INC COM 149123101   211,533 577 SH   SOLE   0 0 577
SALESFORCE INC COM 79466L302   211,428 702 SH   SOLE   0 0 702
LOWES COS INC COM 548661107   226,599 890 SH   SOLE   0 0 890
VERIZON COMMUNICATIONS INC COM 92343V104   226,418 5,396 SH   SOLE   0 0 5,396
WALMART INC COM 931142103   203,021 3,374 SH   SOLE   0 0 3,374