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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109 36,083 260,885 SH   SOLE 0 0 0 260,885
ADOBE SYSTEMS INCORPORATED COM 00724F101 852 2,983 SH   SOLE 0 0 0 2,983
ADVANCED MICRO DEVICES INC COM 007903107 621 10,743 SH   SOLE 0 0 0 10,743
AGILENT TECHNOLOGIES INC COM 00846U101 239 1,900 SH   SOLE 0 0 0 1,900
AGNICO EAGLE MINES LTD COM 008474108 247 5,870 SH   SOLE 0 0 0 5,870
ALPHABET INC CAP STK CL A 02079K305 8,990 91,864 SH   SOLE 0 0 0 91,864
ALPHABET INC CAP STK CL C 02079K107 1,018 10,313 SH   SOLE 0 0 0 10,313
AMAZON COM INC COM 023135106 3,395 29,868 SH   SOLE 0 0 0 29,868
AMERICAN ELEC PWR CO INC COM 025537101 311 3,682 SH   SOLE 0 0 0 3,682
AMERICAN TOWER CORP NEW COM 03027X100 11,186 59,006 SH   SOLE 0 0 0 59,006
AMERICAN WTR WKS CO INC NEW COM 030420103 13,278 104,191 SH   SOLE 0 0 0 104,191
AMERISOURCEBERGEN CORP COM 03073E105 6,110 44,396 SH   SOLE 0 0 0 44,396
AMGEN INC COM 031162100 329 1,416 SH   SOLE 0 0 0 1,416
APPLE INC COM 037833100 61,908 440,878 SH   SOLE 0 0 0 440,878
ARCHER DANIELS MIDLAND CO COM 039483102 13,502 155,889 SH   SOLE 0 0 0 155,889
ASML HOLDING N V N Y REGISTRY SHS N07059210 4,611 10,929 SH   SOLE 0 0 0 10,929
AT&T INC COM 00206R102 166 11,171 SH   SOLE 0 0 0 11,171
ATMOS ENERGY CORP COM 049560105 208 2,080 SH   SOLE 0 0 0 2,080
AUTOMATIC DATA PROCESSING IN COM 053015103 3,961 17,322 SH   SOLE 0 0 0 17,322
AUTOZONE INC COM 053332102 2,403 1,076 SH   SOLE 0 0 0 1,076
BALL CORP COM 058498106 311 6,299 SH   SOLE 0 0 0 6,299
BERKLEY W R CORP COM 084423102 14,298 211,533 SH   SOLE 0 0 0 211,533
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 792 2,967 SH   SOLE 0 0 0 2,967
BJS WHSL CLUB HLDGS INC COM 05550J101 6,709 96,220 SH   SOLE 0 0 0 96,220
BLACKROCK INC COM 09247X101 10,952 20,076 SH   SOLE 0 0 0 20,076
BOEING CO COM 097023105 810 6,140 SH   SOLE 0 0 0 6,140
BRISTOL-MYERS SQUIBB CO COM 110122108 257 3,746 SH   SOLE 0 0 0 3,746
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 389 2,707 SH   SOLE 0 0 0 2,707
C H ROBINSON WORLDWIDE INC COM NEW 12541W209 19,591 208,103 SH   SOLE 0 0 0 208,103
CAMBRIA ETF TR TRINITY 132061839 383 15,277 SH   SOLE 0 0 0 15,277
CATERPILLAR INC COM 149123101 7,283 40,765 SH   SOLE 0 0 0 40,765
CHARGEPOINT HOLDINGS INC COM CL A 15961R105 181 13,154 SH   SOLE 0 0 0 13,154
CHEVRON CORP NEW COM 166764100 785 4,996 SH   SOLE 0 0 0 4,996
CINTAS CORP COM 172908105 329 826 SH   SOLE 0 0 0 826
CISCO SYS INC COM 17275R102 236 5,919 SH   SOLE 0 0 0 5,919
COCA COLA CO COM 191216100 7,254 133,367 SH   SOLE 0 0 0 133,367
COMCAST CORP NEW CL A 20030N101 21,040 722,264 SH   SOLE 0 0 0 722,264
CONTEXTLOGIC INC COM CL A 21077C107 43 55,207 SH   SOLE 0 0 0 55,207
COOPER COS INC COM NEW 216648402 1,503 5,832 SH   SOLE 0 0 0 5,832
COSTCO WHSL CORP NEW COM 22160K105 984 2,110 SH   SOLE 0 0 0 2,110
CVS HEALTH CORP COM 126650100 36,845 417,503 SH   SOLE 0 0 0 417,503
DEERE & CO COM 244199105 21,447 59,628 SH   SOLE 0 0 0 59,628
DEXCOM INC COM 252131107 286 2,857 SH   SOLE 0 0 0 2,857
DIREXION SHS ETF TR DLY SCOND 3XBU 25459W458 86 10,365 SH   SOLE 0 0 0 10,365
DISNEY WALT CO COM 254687106 420 4,411 SH   SOLE 0 0 0 4,411
DOLLAR GEN CORP NEW COM 256677105 12,035 50,229 SH   SOLE 0 0 0 50,229
DOMINION ENERGY INC COM 25746U109 5,527 85,695 SH   SOLE 0 0 0 85,695
ECOLAB INC COM 278865100 12,062 85,250 SH   SOLE 0 0 0 85,250
EDWARDS LIFESCIENCES CORP COM 28176E108 258 3,120 SH   SOLE 0 0 0 3,120
ELEVANCE HEALTH INC COM 036752103 22,972 49,175 SH   SOLE 0 0 0 49,175
EXELIXIS INC COM 30161Q104 153 10,250 SH   SOLE 0 0 0 10,250
EXXON MOBIL CORP COM 30231G102 20,288 205,259 SH   SOLE 0 0 0 205,259
FORD MTR CO DEL COM 345370860 240 21,130 SH   SOLE 0 0 0 21,130
HOME DEPOT INC COM 437076102 8,300 29,384 SH   SOLE 0 0 0 29,384
HONEYWELL INTL INC COM 438516106 431 2,510 SH   SOLE 0 0 0 2,510
INTERNATIONAL BUSINESS MACHS COM 459200101 264 2,243 SH   SOLE 0 0 0 2,243
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198 2,923 60,425 SH   SOLE 0 0 0 60,425
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 31,929 1,556,016 SH   SOLE 0 0 0 1,556,016
INVESCO QQQ TR UNIT SER 1 46090E103 446 1,674 SH   SOLE 0 0 0 1,674
ISHARES INC MSCI EMRG CHN 46434G764 765 16,911 SH   SOLE 0 0 0 16,911
ISHARES INC MSCI AUSTRIA ETF 464286202 434 27,470 SH   SOLE 0 0 0 27,470
ISHARES INC MSCI JPN ETF NEW 46434G822 2,821 56,872 SH   SOLE 0 0 0 56,872
ISHARES INC CORE MSCI EMKT 46434G103 2,611 60,268 SH   SOLE 0 0 0 60,268
ISHARES INC MSCI FRANCE ETF 464286707 642 23,555 SH   SOLE 0 0 0 23,555
ISHARES INC MSCI BELGIUM ETF 464286301 496 34,284 SH   SOLE 0 0 0 34,284
ISHARES INC MSCI ITALY ETF 46434G830 583 26,802 SH   SOLE 0 0 0 26,802
ISHARES INC MSCI EMERG MRKT 464286533 2,608 51,472 SH   SOLE 0 0 0 51,472
ISHARES INC MSCI SPAIN ETF 464286764 789 39,558 SH   SOLE 0 0 0 39,558
ISHARES INC MSCI SINGPOR ETF 46434G780 339 19,774 SH   SOLE 0 0 0 19,774
ISHARES INC MSCI HONG KG ETF 464286871 328 17,700 SH   SOLE 0 0 0 17,700
ISHARES INC MSCI MLY ETF NEW 46434G814 334 16,473 SH   SOLE 0 0 0 16,473
ISHARES INC MSCI AUST ETF 464286103 207 10,415 SH   SOLE 0 0 0 10,415
ISHARES TR INTL TREA BD ETF 464288117 2,652 73,383 SH   SOLE 0 0 0 73,383
ISHARES TR MSCI USA MIN VOL 46429B697 12,696 191,612 SH   SOLE 0 0 0 191,612
ISHARES TR MSCI UK ETF NEW 46435G334 1,161 43,885 SH   SOLE 0 0 0 43,885
ISHARES TR GRWT ALLOCAT ETF 464289867 1,660 37,118 SH   SOLE 0 0 0 37,118
ISHARES TR ISHS 5-10YR INVT 464288638 30,351 633,376 SH   SOLE 0 0 0 633,376
ISHARES TR RUS MDCP VAL ETF 464287473 8,933 91,423 SH   SOLE 0 0 0 91,423
ISHARES TR CORE S&P SCP ETF 464287804 6,363 71,135 SH   SOLE 0 0 0 71,135
ISHARES TR MSCI KLD400 SOC 464288570 465 6,950 SH   SOLE 0 0 0 6,950
ISHARES TR MSCI EAFE MIN VL 46429B689 2,540 44,702 SH   SOLE 0 0 0 44,702
ISHARES TR MSCI USA MMENTM 46432F396 356 2,647 SH   SOLE 0 0 0 2,647
ISHARES TR RUS MD CP GR ETF 464287481 6,161 77,415 SH   SOLE 0 0 0 77,415
ISHARES TR EAFE VALUE ETF 464288877 2,588 66,125 SH   SOLE 0 0 0 66,125
ISHARES TR S&P 500 VAL ETF 464287408 25,550 195,696 SH   SOLE 0 0 0 195,696
ISHARES TR CORE S&P MCP ETF 464287507 3,004 13,337 SH   SOLE 0 0 0 13,337
ISHARES TR RUS 1000 GRW ETF 464287614 25,043 118,852 SH   SOLE 0 0 0 118,852
ISHARES TR S&P 500 GRWT ETF 464287309 6,505 112,569 SH   SOLE 0 0 0 112,569
ISHARES TR MSCI ACWI ETF 464288257 1,110 14,157 SH   SOLE 0 0 0 14,157
ISHARES TR MSCI EMG MKT ETF 464287234 5,961 169,576 SH   SOLE 0 0 0 169,576
ISHARES TR AGGRES ALLOC ETF 464289859 1,393 25,061 SH   SOLE 0 0 0 25,061
ISHARES TR 3 7 YR TREAS BD 464288661 31,596 278,376 SH   SOLE 0 0 0 278,376
ISHARES TR IBOXX HI YD ETF 464288513 30,104 422,578 SH   SOLE 0 0 0 422,578
JOHNSON & JOHNSON COM 478160104 375 2,341 SH   SOLE 0 0 0 2,341
JPMORGAN CHASE & CO COM 46625H100 18,737 178,467 SH   SOLE 0 0 0 178,467
KEYSIGHT TECHNOLOGIES INC COM 49338L103 1,403 8,752 SH   SOLE 0 0 0 8,752
KLA CORP COM NEW 482480100 699 2,335 SH   SOLE 0 0 0 2,335
LAM RESEARCH CORP COM 512807108 27,063 77,164 SH   SOLE 0 0 0 77,164
LEIDOS HOLDINGS INC COM 525327102 6,246 67,973 SH   SOLE 0 0 0 67,973
LILLY ELI & CO COM 532457108 2,208 6,818 SH   SOLE 0 0 0 6,818
LOCKHEED MARTIN CORP COM 539830109 25,908 63,193 SH   SOLE 0 0 0 63,193
LOWES COS INC COM 548661107 30,996 159,035 SH   SOLE 0 0 0 159,035
LULULEMON ATHLETICA INC COM 550021109 7,193 24,816 SH   SOLE 0 0 0 24,816
MCDONALDS CORP COM 580135101 1,734 7,382 SH   SOLE 0 0 0 7,382
MERCK & CO INC COM 58933Y105 9,661 106,772 SH   SOLE 0 0 0 106,772
META PLATFORMS INC CL A 30303M102 9,937 74,272 SH   SOLE 0 0 0 74,272
MICROSOFT CORP COM 594918104 30,280 132,084 SH   SOLE 0 0 0 132,084
MOLINA HEALTHCARE INC COM 60855R100 1,543 4,403 SH   SOLE 0 0 0 4,403
MONSTER BEVERAGE CORP NEW COM 61174X109 1,630 17,903 SH   SOLE 0 0 0 17,903
MORGAN STANLEY COM NEW 617446448 26,021 331,854 SH   SOLE 0 0 0 331,854
NETFLIX INC COM 64110L106 1,533 6,667 SH   SOLE 0 0 0 6,667
NEXTERA ENERGY INC COM 65339F101 4,651 60,613 SH   SOLE 0 0 0 60,613
NIKE INC CL B 654106103 7,141 82,379 SH   SOLE 0 0 0 82,379
NOVO-NORDISK A S ADR 670100205 5,671 54,605 SH   SOLE 0 0 0 54,605
NRG ENERGY INC COM NEW 629377508 2,661 64,891 SH   SOLE 0 0 0 64,891
NVIDIA CORPORATION COM 67066G104 914 7,834 SH   SOLE 0 0 0 7,834
OREILLY AUTOMOTIVE INC COM 67103H107 6,353 8,768 SH   SOLE 0 0 0 8,768
PALO ALTO NETWORKS INC COM 697435105 7,322 44,884 SH   SOLE 0 0 0 44,884
PAYCHEX INC COM 704326107 671 6,110 SH   SOLE 0 0 0 6,110
PAYPAL HLDGS INC COM 70450Y103 14,115 167,005 SH   SOLE 0 0 0 167,005
PENUMBRA INC COM 70975L107 620 3,432 SH   SOLE 0 0 0 3,432
PEPSICO INC COM 713448108 412 2,547 SH   SOLE 0 0 0 2,547
PFIZER INC COM 717081103 9,133 218,761 SH   SOLE 0 0 0 218,761
POLARIS INC COM 731068102 294 3,000 SH   SOLE 0 0 0 3,000
PROCTER AND GAMBLE CO COM 742718109 17,615 142,333 SH   SOLE 0 0 0 142,333
PROGRESSIVE CORP COM 743315103 6,760 54,639 SH   SOLE 0 0 0 54,639
QUALCOMM INC COM 747525103 17,909 156,272 SH   SOLE 0 0 0 156,272
RAYTHEON TECHNOLOGIES CORP COM 75513E101 13,773 163,649 SH   SOLE 0 0 0 163,649
S&P GLOBAL INC COM 78409V104 1,279 4,283 SH   SOLE 0 0 0 4,283
SALESFORCE INC COM 79466L302 260 1,783 SH   SOLE 0 0 0 1,783
SAP SE SPON ADR 803054204 5,247 62,426 SH   SOLE 0 0 0 62,426
SCHWAB CHARLES CORP COM 808513105 24,414 331,893 SH   SOLE 0 0 0 331,893
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 6,222 51,063 SH   SOLE 0 0 0 51,063
SEMPRA COM 816851109 381 2,579 SH   SOLE 0 0 0 2,579
SPDR GOLD TR GOLD SHS 78463V107 266 1,712 SH   SOLE 0 0 0 1,712
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,624 4,511 SH   SOLE 0 0 0 4,511
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 202 2,205 SH   SOLE 0 0 0 2,205
SPDR SER TR BBG CONV SEC ETF 78464A359 203 3,162 SH   SOLE 0 0 0 3,162
SPDR SER TR S&P DIVID ETF 78464A763 6,360 56,137 SH   SOLE 0 0 0 56,137
STARBUCKS CORP COM 855244109 510 5,854 SH   SOLE 0 0 0 5,854
T-MOBILE US INC COM 872590104 12,879 93,511 SH   SOLE 0 0 0 93,511
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 4,672 69,271 SH   SOLE 0 0 0 69,271
TARGET CORP COM 87612E106 39,066 255,169 SH   SOLE 0 0 0 255,169
TESLA INC COM 88160R101 7,591 34,045 SH   SOLE 0 0 0 34,045
UNITED THERAPEUTICS CORP DEL COM 91307C102 480 2,332 SH   SOLE 0 0 0 2,332
UNITEDHEALTH GROUP INC COM 91324P102 9,453 18,948 SH   SOLE 0 0 0 18,948
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 710 2,146 SH   SOLE 0 0 0 2,146
VANGUARD INDEX FDS SMALL CP ETF 922908751 274 1,568 SH   SOLE 0 0 0 1,568
VANGUARD INDEX FDS TOTAL STK MKT 922908769 423 2,339 SH   SOLE 0 0 0 2,339
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 24,190 541,398 SH   SOLE 0 0 0 541,398
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 7,933 177,861 SH   SOLE 0 0 0 177,861
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 449 6,059 SH   SOLE 0 0 0 6,059
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573 13,292 185,018 SH   SOLE 0 0 0 185,018
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 17,434 301,477 SH   SOLE 0 0 0 301,477
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 350 4,664 SH   SOLE 0 0 0 4,664
VERIZON COMMUNICATIONS INC COM 92343V104 429 11,709 SH   SOLE 0 0 0 11,709
VISA INC COM CL A 92826C839 579 3,178 SH   SOLE 0 0 0 3,178
WALMART INC COM 931142103 34,745 268,678 SH   SOLE 0 0 0 268,678
ZOETIS INC CL A 98978V103 1,322 9,070 SH   SOLE 0 0 0 9,070