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   429,022 1,414 SH   SOLE   0 0 1,414
LINDE PLC SHS G54950103   354,998 809 SH   SOLE   0 0 809
MEDTRONIC PLC SHS G5960L103   258,248 3,281 SH   SOLE   0 0 3,281
CHUBB LIMITED COM H1467J104   319,106 1,251 SH   SOLE   0 0 1,251
CHECK POINT SOFTWARE TECH LT ORD M22465104   627,990 3,806 SH   SOLE   0 0 3,806
ABBOTT LABS COM 002824100   356,100 3,427 SH   SOLE   0 0 3,427
ABBVIE INC COM 00287Y109   1,432,192 8,350 SH   SOLE   0 0 8,350
AIRBNB INC COM CL A 009066101   254,284 1,677 SH   SOLE   0 0 1,677
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   843,120 11,710 SH   SOLE   0 0 11,710
ALPHABET INC CAP STK CL C 02079K107   5,255,350 28,652 SH   SOLE   0 0 28,652
ALPHABET INC CAP STK CL A 02079K305   324,592 1,782 SH   SOLE   0 0 1,782
AMAZON COM INC COM 023135106   2,460,073 12,730 SH   SOLE   0 0 12,730
AMBEV SA SPONSORED ADR 02319V103   110,239 53,775 SH   SOLE   0 0 53,775
AMERICAN EXPRESS CO COM 025816109   3,440,370 14,858 SH   SOLE   0 0 14,858
AMGEN INC COM 031162100   2,007,492 6,425 SH   SOLE   0 0 6,425
APPLE INC COM 037833100   6,539,002 31,046 SH   SOLE   0 0 31,046
APPLIED MATLS INC COM 038222105   1,767,094 7,488 SH   SOLE   0 0 7,488
BANK AMERICA CORP COM 060505104   1,651,052 41,515 SH   SOLE   0 0 41,515
BANK NEW YORK MELLON CORP COM 064058100   1,313,328 21,929 SH   SOLE   0 0 21,929
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,213,720 7,900 SH   SOLE   0 0 7,900
BIOGEN INC COM 09062X103   365,349 1,576 SH   SOLE   0 0 1,576
BLACKROCK INC COM 09247X101   1,140,827 1,449 SH   SOLE   0 0 1,449
BOOKING HOLDINGS INC COM 09857L108   641,763 162 SH   SOLE   0 0 162
THE CIGNA GROUP COM 125523100   1,066,419 3,226 SH   SOLE   0 0 3,226
CVS HEALTH CORP COM 126650100   1,055,698 17,875 SH   SOLE   0 0 17,875
CARRIER GLOBAL CORPORATION COM 14448C104   213,716 3,388 SH   SOLE   0 0 3,388
CEMEX SAB DE CV SPON ADR NEW 151290889   153,360 24,000 SH   SOLE   0 0 24,000
CHIPOTLE MEXICAN GRILL INC COM 169656105   404,093 6,450 SH   SOLE   0 0 6,450
CISCO SYS INC COM 17275R102   1,738,819 36,599 SH   SOLE   0 0 36,599
COCA COLA CO COM 191216100   1,334,252 20,962 SH   SOLE   0 0 20,962
COMCAST CORP NEW CL A 20030N101   1,321,063 33,735 SH   SOLE   0 0 33,735
CUMMINS INC COM 231021106   669,063 2,416 SH   SOLE   0 0 2,416
DANAHER CORPORATION COM 235851102   384,520 1,539 SH   SOLE   0 0 1,539
DEERE & CO COM 244199105   412,114 1,103 SH   SOLE   0 0 1,103
DIAGEO PLC SPON ADR NEW 25243Q205   385,427 3,057 SH   SOLE   0 0 3,057
DISNEY WALT CO COM 254687106   1,655,562 16,674 SH   SOLE   0 0 16,674
DOVER CORP COM 260003108   341,051 1,890 SH   SOLE   0 0 1,890
EMERSON ELEC CO COM 291011104   497,153 4,513 SH   SOLE   0 0 4,513
EQUITY RESIDENTIAL SH BEN INT 29476L107   302,462 4,362 SH   SOLE   0 0 4,362
EXPEDITORS INTL WASH INC COM 302130109   415,426 3,329 SH   SOLE   0 0 3,329
META PLATFORMS INC CL A 30303M102   4,007,037 7,947 SH   SOLE   0 0 7,947
FEDEX CORP COM 31428X106   2,078,791 6,933 SH   SOLE   0 0 6,933
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   260,643 3,345 SH   SOLE   0 0 3,345
GE VERNOVA INC COM 36828A101   382,982 2,233 SH   SOLE   0 0 2,233
GE AEROSPACE COM NEW 369604301   1,484,144 9,336 SH   SOLE   0 0 9,336
GENERAL MLS INC COM 370334104   303,965 4,805 SH   SOLE   0 0 4,805
GENERAL MTRS CO COM 37045V100   320,574 6,900 SH   SOLE   0 0 6,900
GOLDMAN SACHS GROUP INC COM 38141G104   2,626,623 5,807 SH   SOLE   0 0 5,807
HOME DEPOT INC COM 437076102   260,934 758 SH   SOLE   0 0 758
HONEYWELL INTL INC COM 438516106   717,922 3,362 SH   SOLE   0 0 3,362
INTEL CORP COM 458140100   950,098 30,678 SH   SOLE   0 0 30,678
INTERNATIONAL BUSINESS MACHS COM 459200101   1,420,439 8,213 SH   SOLE   0 0 8,213
INTUIT COM 461202103   308,889 470 SH   SOLE   0 0 470
ISHARES GOLD TR ISHARES NEW 464285204   291,959 6,646 SH   SOLE   0 0 6,646
ISHARES TR CORE S&P MCP ETF 464287507   525,803 8,985 SH   SOLE   0 0 8,985
ISHARES TR CORE MSCI INTL 46435G326   341,328 5,200 SH   SOLE   0 0 5,200
JPMORGAN CHASE & CO. COM 46625H100   3,739,030 18,486 SH   SOLE   0 0 18,486
JOHNSON & JOHNSON COM 478160104   1,790,720 12,252 SH   SOLE   0 0 12,252
KELLANOVA COM 487836108   302,301 5,241 SH   SOLE   0 0 5,241
KIMBERLY-CLARK CORP COM 494368103   448,736 3,247 SH   SOLE   0 0 3,247
LOCKHEED MARTIN CORP COM 539830109   960,825 2,057 SH   SOLE   0 0 2,057
LOWES COS INC COM 548661107   783,561 3,554 SH   SOLE   0 0 3,554
MCDONALDS CORP COM 580135101   281,599 1,105 SH   SOLE   0 0 1,105
MCKESSON CORP COM 58155Q103   2,362,442 4,045 SH   SOLE   0 0 4,045
MERCK & CO INC COM 58933Y105   2,578,878 20,831 SH   SOLE   0 0 20,831
MICROSOFT CORP COM 594918104   5,401,838 12,086 SH   SOLE   0 0 12,086
NOVO-NORDISK A S ADR 670100205   994,898 6,970 SH   SOLE   0 0 6,970
NVIDIA CORPORATION COM 67066G104   269,318 2,180 SH   SOLE   0 0 2,180
ORACLE CORP COM 68389X105   2,686,613 19,027 SH   SOLE   0 0 19,027
PAYCHEX INC COM 704326107   426,816 3,600 SH   SOLE   0 0 3,600
PAYPAL HLDGS INC COM 70450Y103   607,865 10,475 SH   SOLE   0 0 10,475
PEPSICO INC COM 713448108   592,924 3,595 SH   SOLE   0 0 3,595
PFIZER INC COM 717081103   587,972 21,014 SH   SOLE   0 0 21,014
POLARIS INC COM 731068102   567,435 7,246 SH   SOLE   0 0 7,246
PRICE T ROWE GROUP INC COM 74144T108   556,025 4,822 SH   SOLE   0 0 4,822
PROCTER AND GAMBLE CO COM 742718109   1,002,219 6,077 SH   SOLE   0 0 6,077
QUALCOMM INC COM 747525103   1,824,489 9,160 SH   SOLE   0 0 9,160
RTX CORPORATION COM 75513E101   1,303,263 12,982 SH   SOLE   0 0 12,982
S&P GLOBAL INC COM 78409V104   206,944 464 SH   SOLE   0 0 464
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,961,369 3,604 SH   SOLE   0 0 3,604
SANOFI SPONSORED ADR 80105N105   281,465 5,801 SH   SOLE   0 0 5,801
SCHWAB CHARLES CORP COM 808513105   1,909,529 25,913 SH   SOLE   0 0 25,913
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   17,435,989 277,334 SH   SOLE   0 0 277,334
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,056,322 32,005 SH   SOLE   0 0 32,005
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   311,040 4,000 SH   SOLE   0 0 4,000
SOUTHERN CO COM 842587107   403,172 5,198 SH   SOLE   0 0 5,198
STARBUCKS CORP COM 855244109   718,478 9,229 SH   SOLE   0 0 9,229
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   1,040,253 5,985 SH   SOLE   0 0 5,985
TARGET CORP COM 87612E106   868,255 5,865 SH   SOLE   0 0 5,865
TESLA INC COM 88160R101   4,785,135 24,182 SH   SOLE   0 0 24,182
TEXAS INSTRS INC COM 882508104   947,167 4,869 SH   SOLE   0 0 4,869
3M CO COM 88579Y101   1,170,040 11,450 SH   SOLE   0 0 11,450
TOAST INC CL A 888787108   265,303 10,295 SH   SOLE   0 0 10,295
UNILEVER PLC SPON ADR NEW 904767704   866,093 15,750 SH   SOLE   0 0 15,750
UNION PAC CORP COM 907818108   203,861 901 SH   SOLE   0 0 901
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   224,348 1,892 SH   SOLE   0 0 1,892
VANGUARD INDEX FDS GROWTH ETF 922908736   425,624 1,138 SH   SOLE   0 0 1,138
VERIZON COMMUNICATIONS INC COM 92343V104   234,874 5,695 SH   SOLE   0 0 5,695
VISA INC COM CL A 92826C839   246,460 939 SH   SOLE   0 0 939
WALMART INC COM 931142103   1,827,493 26,990 SH   SOLE   0 0 26,990
WELLS FARGO CO NEW COM 949746101   2,468,011 41,556 SH   SOLE   0 0 41,556
ZOOM VIDEO COMMUNICATIONS IN CL A 98980L101   550,112 9,294 SH   SOLE   0 0 9,294