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
CATERPILLAR INC COM 149123101   1,993,703 6,743 SH   SOLE   6,743 0 0
CHEVRON CORP NEW COM 166764100   2,252,614 15,102 SH   SOLE   13,928 0 1,174
COCA COLA CO COM 191216100   767,033 13,016 SH   SOLE   12,516 0 500
CUMMINS INC COM 231021106   424,039 1,770 SH   SOLE   1,770 0 0
DTE ENERGY CO COM 233331107   253,496 2,278 SH   SOLE   232 0 2,046
DANAHER CORPORATION COM 235851102   816,320 3,525 SH   SOLE   3,525 0 0
DEERE & CO COM 244199105   579,535 1,444 SH   SOLE   1,424 0 20
ENTERPRISE PRODS PARTNERS L COM 293792107   309,086 11,730 SH   SOLE   11,730 0 0
HOME DEPOT INC COM 437076102   414,820 1,197 SH   SOLE   947 0 250
HONEYWELL INTL INC COM 438516106   817,874 3,900 SH   SOLE   3,875 0 25
ILLINOIS TOOL WKS INC COM 452308109   208,039 790 SH   SOLE   790 0 0
INTEL CORP COM 458140100   680,043 13,533 SH   SOLE   13,533 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   672,190 4,110 SH   SOLE   3,860 0 250
ISHARES TR CORE S&P500 ETF 464287200   2,719,903 5,695 SH   SOLE   5,695 0 0
ISHARES TR CORE US AGGBD ET 464287226   2,879,344 29,011 SH   SOLE   28,500 0 511
ISHARES TR S&P 500 GRWT ETF 464287309   255,495 3,402 SH   SOLE   3,402 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   294,195 3,586 SH   SOLE   3,586 0 0
ISHARES TR MSCI EAFE ETF 464287465   5,197,396 68,928 SH   SOLE   68,498 0 430
ISHARES TR CORE S&P MCP ETF 464287507   2,659,809 9,597 SH   SOLE   9,597 0 0
ISHARES TR COHEN STEER REIT 464287564   2,507,400 42,694 SH   SOLE   41,496 0 1,198
ISHARES TR RUSSELL 2000 ETF 464287655   2,551,752 12,714 SH   SOLE   12,674 0 40
ISHARES TR CORE S&P SCP ETF 464287804   1,449,792 13,393 SH   SOLE   13,313 0 80
JOHNSON & JOHNSON COM 478160104   1,374,140 8,767 SH   SOLE   8,492 0 275
ELI LILLY & CO COM 532457108   740,891 1,271 SH   SOLE   1,271 0 0
LOWES COS INC COM 548661107   929,277 4,176 SH   SOLE   4,176 0 0
MARATHON OIL CORP COM 565849106   639,080 26,452 SH   SOLE   26,452 0 0
MASCO CORP COM 574599106   365,711 5,460 SH   SOLE   5,460 0 0
MCDONALDS CORP COM 580135101   2,074,680 6,997 SH   SOLE   6,972 0 25
MICROSOFT CORP COM 594918104   5,346,593 14,218 SH   SOLE   13,656 0 562
MICROCHIP TECHNOLOGY INC. COM 595017104   689,877 7,650 SH   SOLE   7,575 0 75
NIKE INC CL B 654106103   968,723 8,892 SH   SOLE   8,852 0 40
PALO ALTO NETWORKS INC COM 697435105   587,409 1,992 SH   SOLE   1,992 0 0
PEPSICO INC COM 713448108   1,111,674 6,497 SH   SOLE   6,462 0 35
PFIZER INC COM 717081103   428,222 14,874 SH   SOLE   5,427 0 9,447
PROCTER AND GAMBLE CO COM 742718109   2,004,586 13,679 SH   SOLE   13,364 0 315
RPM INTL INC COM 749685103   223,260 2,000 SH   SOLE   2,000 0 0
SCHWAB CHARLES CORP COM 808513105   963,220 14,000 SH   SOLE   13,920 0 80
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   5,500,226 97,522 SH   SOLE   96,661 0 861
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   7,465,771 89,966 SH   SOLE   89,566 0 400
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   6,371,039 90,885 SH   SOLE   90,414 0 471
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   9,237,870 122,648 SH   SOLE   120,929 0 1,719
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   5,043,424 106,762 SH   SOLE   105,702 0 1,060
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,108,864 44,730 SH   SOLE   43,834 0 896
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   7,897,546 213,678 SH   SOLE   212,964 0 714
SOUTHERN CO COM 842587107   261,618 3,731 SH   SOLE   592 0 3,139
STARBUCKS CORP COM 855244109   353,993 3,687 SH   SOLE   3,687 0 0
STRYKER CORPORATION COM 863667101   3,600,055 11,990 SH   SOLE   11,215 0 775
SYSCO CORP COM 871829107   361,994 4,950 SH   SOLE   4,950 0 0
TJX COS INC NEW COM 872540109   2,114,571 22,541 SH   SOLE   22,461 0 80
THERMO FISHER SCIENTIFIC INC COM 883556102   209,269 394 SH   SOLE   394 0 0
UNION PAC CORP COM 907818108   409,694 1,668 SH   SOLE   245 0 1,423
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,251,454 30,449 SH   SOLE   30,019 0 430
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,106,673 6,146 SH   SOLE   6,146 0 0
WALMART INC COM 931142103   316,124 1,998 SH   SOLE   1,998 0 0
ABBOTT LABS COM 002824100   5,425,547 49,292 SH   SOLE   48,532 0 760
ABBVIE INC COM 00287Y109   7,214,318 46,553 SH   SOLE   46,128 0 425
ADOBE INC COM 00724F101   295,317 495 SH   SOLE   495 0 0
AIR PRODS & CHEMS INC COM 009158106   245,791 892 SH   SOLE   892 0 0
ALPHABET INC CAP STK CL C 02079K107   607,408 4,310 SH   SOLE   4,310 0 0
ALPHABET INC CAP STK CL A 02079K305   3,934,018 28,162 SH   SOLE   27,927 0 235
AMAZON COM INC COM 023135106   868,246 5,714 SH   SOLE   5,714 0 0
AMGEN INC COM 031162100   525,348 1,824 SH   SOLE   1,824 0 0
APPLE INC COM 037833100   7,203,115 37,413 SH   SOLE   37,348 0 65
APPLIED MATLS INC COM 038222105   962,692 5,940 SH   SOLE   5,915 0 25
BANK AMERICA CORP COM 060505104   311,141 9,232 SH   SOLE   9,232 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   406,236 1,139 SH   SOLE   1,139 0 0
BLACKROCK INC COM 09247X101   397,782 490 SH   SOLE   490 0 0
CISCO SYS INC COM 17275R102   631,760 12,505 SH   SOLE   10,685 0 1,820
COMCAST CORP NEW CL A 20030N101   846,322 19,300 SH   SOLE   19,200 0 100
COSTCO WHSL CORP NEW COM 22160K105   3,615,743 5,356 SH   SOLE   5,079 0 277
EXXON MOBIL CORP COM 30231G102   855,535 8,557 SH   SOLE   8,407 0 150
META PLATFORMS INC CL A 30303M102   977,240 2,761 SH   SOLE   2,761 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   306,073 747 SH   SOLE   747 0 0
ISHARES TR CORE 1 5 YR USD 46432F859   228,764 4,810 SH   SOLE   4,810 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243   377,702 15,429 SH   SOLE   0 0 15,429
ISHARES TR ESG AWR US AGRGT 46435U549   207,478 4,346 SH   SOLE   0 0 4,346
JPMORGAN CHASE & CO COM 46625H100   3,165,391 18,609 SH   SOLE   17,170 0 1,439
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   640,898 13,559 SH   SOLE   13,559 0 0
MARATHON PETE CORP COM 56585A102   243,904 1,644 SH   SOLE   1,644 0 0
MERCK & CO INC COM 58933Y105   536,654 4,888 SH   SOLE   1,537 0 3,351
ORACLE CORP COM 68389X105   1,821,936 17,281 SH   SOLE   17,221 0 60
PIMCO ETF TR ACTIVE BD ETF 72201R775   3,682,915 39,691 SH   SOLE   39,562 0 129
SPDR SER TR PRTFLO S&P500 VL 78464A508   968,738 20,775 SH   SOLE   20,775 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   6,863,967 13,478 SH   SOLE   13,378 0 100
SALESFORCE INC COM 79466L302   1,655,677 6,292 SH   SOLE   6,267 0 25
SYSTEM1 INC CL A COM 87200P109   46,509 20,950 SH   SOLE   20,950 0 0
TMC THE METALS COMPANY INC COM 87261Y106   11,000 10,000 SH   SOLE   10,000 0 0
TESLA INC COM 88160R101   588,640 2,369 SH   SOLE   2,369 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,275,637 2,423 SH   SOLE   2,413 0 10
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   4,496,790 58,121 SH   SOLE   57,071 0 1,050
VISA INC COM CL A 92826C839   2,708,681 10,404 SH   SOLE   10,384 0 20
WISDOMTREE TR EMER MKT HIGH FD 97717W315   1,109,466 27,273 SH   SOLE   27,273 0 0