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
AT&T Inc Com 00206R102   223,291 13,307 SH   SOLE 0 13,307 0 0
Abbott Laboratories Com 002824100   1,422,435 12,923 SH   SOLE 0 12,923 0 0
AbbVie Inc Com 00287Y109   1,040,469 6,714 SH   SOLE 0 6,714 0 0
AbbVie Inc Com 00287Y109   148,771 960 SH   DFND 0 960 0 0
Adobe Inc Com 00724F101   283,385 475 SH   SOLE 0 475 0 0
ALIGN TECHNOLOGY INC COM Com 016255101   220,570 805 SH   SOLE 0 805 0 0
Alphabet Inc C Com 02079K107   2,873,281 20,388 SH   SOLE 0 20,388 0 0
Alphabet Inc A Com 02079K305   1,050,189 7,518 SH   SOLE 0 7,518 0 0
Amazon.com Inc Com 023135106   2,845,380 18,727 SH   SOLE 0 18,727 0 0
Ambev Sa Sponsored ADR Com 02319V103   88,334 31,548 SH   SOLE 0 31,548 0 0
AMERIPRISE FINL INC COM Com 03076C106   1,285,345 3,384 SH   SOLE 0 3,384 0 0
Amgen Inc Com 031162100   260,946 906 SH   SOLE 0 906 0 0
Apple Inc Com 037833100   8,014,831 41,629 SH   SOLE 0 41,629 0 0
Bank America Corp Cnv Pfd L Pfd Stk 060505682   209,719 174 SH   SOLE 0 174 0 0
Becton, Dickinson and Co Com 075887109   300,886 1,234 SH   SOLE 0 1,234 0 0
Berkshire Hathaway Inc A Com 084670108   542,625 1 SH   SOLE 0 1 0 0
Berkshire Hathaway Inc B Com 084670702   645,911 1,811 SH   SOLE 0 1,811 0 0
BlackRock Inc Com 09247X101   910,028 1,121 SH   SOLE 0 1,121 0 0
Boeing Co Com 097023105   500,989 1,922 SH   SOLE 0 1,922 0 0
Booking Holdings Inc Com 09857L108   1,365,680 385 SH   SOLE 0 385 0 0
Bristol-Myers Squibb Company Com 110122108   222,121 4,329 SH   SOLE 0 4,329 0 0
Broadcom Inc Com 11135F101   942,115 844 SH   SOLE 0 844 0 0
CDW Corp Com Com 12514G108   265,964 1,170 SH   SOLE 0 1,170 0 0
CME Group Inc.Com Cl A Com 12572Q105   708,248 3,363 SH   SOLE 0 3,363 0 0
CVS Health Corp Com 126650100   756,516 9,581 SH   SOLE 0 9,581 0 0
Capital One Financial Corp Com 14040H105   332,520 2,536 SH   SOLE 0 2,536 0 0
Chevron Corp Com 166764100   286,536 1,921 SH   SOLE 0 1,921 0 0
Cisco Systems Inc Com 17275R102   1,258,403 24,909 SH   SOLE 0 24,909 0 0
Comcast Corp Class A Com 20030N101   333,962 7,616 SH   SOLE 0 7,616 0 0
ConocoPhillips Com 20825C104   538,333 4,638 SH   SOLE 0 4,638 0 0
Constellation Brands Inc A Com 21036P108   381,240 1,577 SH   SOLE 0 1,577 0 0
Copart Inc Com Com 217204106   390,040 7,960 SH   SOLE 0 7,960 0 0
Costco Wholesale Corp Com 22160K105   646,218 979 SH   SOLE 0 979 0 0
Deere & Co Com 244199105   923,700 2,310 SH   SOLE 0 2,310 0 0
Digital Rlty Tr Inc Com 253868103   265,392 1,972 SH   SOLE 0 1,972 0 0
Dow Inc Com Com 260557103   202,963 3,701 SH   SOLE 0 3,701 0 0
Dupont De Nemours Inc Com Com 26614N102   292,488 3,802 SH   SOLE 0 3,802 0 0
Exxon Mobil Corp Com 30231G102   338,532 3,386 SH   SOLE 0 3,386 0 0
Meta Platforms Inc Cl A Com 30303M102   2,705,670 7,644 SH   SOLE 0 7,644 0 0
Flexshares Tr Ultra ETF Com 33939L886   297,950 3,971 SH   SOLE 0 3,971 0 0
Fortune Brands Innovations Inc Com Com 34964C106   354,127 4,651 SH   SOLE 0 4,651 0 0
Gabelli Util Tr Com Com 36240A101   276,171 50,954 SH   SOLE 0 50,954 0 0
Gilead Sciences Inc Com 375558103   269,277 3,324 SH   SOLE 0 3,324 0 0
Goldman Sachs Group Inc Com 38141G104   236,091 612 SH   SOLE 0 612 0 0
The Home Depot Inc Com 437076102   356,947 1,030 SH   SOLE 0 1,030 0 0
Illinois Tool Works Inc Com 452308109   697,022 2,661 SH   SOLE 0 2,661 0 0
Intel Corp Com 458140100   2,372,202 47,208 SH   SOLE 0 47,208 0 0
International Business Machines Corp Com 459200101   377,473 2,308 SH   SOLE 0 2,308 0 0
Ishares Tr Tips Bd ETF Com 464287176   235,511 2,191 SH   SOLE 0 2,191 0 0
iShares Core S&P 500 ETF Com 464287200   396,433 830 SH   SOLE 0 830 0 0
iShares Core US Aggregate Bond ETF Com 464287226   2,562,536 25,819 SH   SOLE 0 25,819 0 0
iShares MSCI Emerging Markets ETF Com 464287234   468,929 11,662 SH   SOLE 0 11,662 0 0
IShares Tr 1-3 Yr Treas Bd ETF Com 464287457   562,548 6,857 SH   SOLE 0 6,857 0 0
iShares Russell Midcap Index ETF Com 464287499   263,893 3,395 SH   SOLE 0 3,395 0 0
iShares Core MSCI EAFE ETF Com 46432F842   10,608,147 150,791 SH   SOLE 0 150,791 0 0
iShares Core MSCI EAFE ETF Com 46432F842   384,533 5,466 SH   DFND 0 5,466 0 0
JPMorgan Chase & Co Com 46625H100   2,722,791 16,007 SH   SOLE 0 16,007 0 0
Johnson & Johnson Com 478160104   1,186,522 7,570 SH   SOLE 0 7,570 0 0
Kla-Tencor Corp Com Com 482480100   922,523 1,587 SH   SOLE 0 1,587 0 0
Eli Lilly and Co Com 532457108   1,502,185 2,577 SH   SOLE 0 2,577 0 0
Lockheed Martin Corp Com Com 539830109   458,679 1,012 SH   SOLE 0 1,012 0 0
Lowe's Companies Inc Com 548661107   844,800 3,796 SH   SOLE 0 3,796 0 0
Marsh & McLennan Companies Inc Com 571748102   210,312 1,110 SH   SOLE 0 1,110 0 0
Mastercard Incorporated Cl A Com 57636Q104   301,116 706 SH   SOLE 0 706 0 0
McDonald's Corp Com 580135101   551,805 1,861 SH   SOLE 0 1,861 0 0
Merck & Co Inc Com 58933Y105   2,881,399 26,430 SH   SOLE 0 26,430 0 0
Microsoft Corp Com 594918104   5,260,048 13,988 SH   SOLE 0 13,988 0 0
Monster Beverage Corp Com 61174X109   1,338,741 23,238 SH   SOLE 0 23,238 0 0
Novartis AG Sponsored ADR Com 66987V109   379,950 3,763 SH   SOLE 0 3,763 0 0
Nvidia Corporation Com 67066G104   743,325 1,501 SH   SOLE 0 1,501 0 0
Old Dominion Freight Lines Inc Com Com 679580100   393,170 970 SH   SOLE 0 970 0 0
Paychex Inc Com 704326107   405,927 3,408 SH   SOLE 0 3,408 0 0
PepsiCo Inc Com 713448108   567,435 3,341 SH   SOLE 0 3,341 0 0
Pfizer Inc Com 717081103   612,162 21,263 SH   SOLE 0 21,263 0 0
Procter & Gamble Co Com 742718109   523,001 3,569 SH   SOLE 0 3,569 0 0
Public Service Enterprise Group Inc Com 744573106   337,242 5,515 SH   SOLE 0 5,515 0 0
Qualcomm Inc Com 747525103   331,058 2,289 SH   SOLE 0 2,289 0 0
Royal Bank of Canada Com 780087102   268,298 2,653 SH   SOLE 0 2,653 0 0
SPDR Gold Trust Gold Shs ETF Com 78463V107   799,091 4,180 SH   SOLE 0 4,180 0 0
Salesforce Inc. Com 79466L302   975,197 3,706 SH   SOLE 0 3,706 0 0
Starbucks Corp Com 855244109   315,777 3,289 SH   SOLE 0 3,289 0 0
Synopsys Inc Com Com 871607107   347,564 675 SH   SOLE 0 675 0 0
Target Corp Com 87612E106   1,085,383 7,621 SH   SOLE 0 7,621 0 0
Teledyne Technologies Inc Com Com 879360105   202,169 453 SH   SOLE 0 453 0 0
Tesla Inc Com 88160R101   365,763 1,472 SH   SOLE 0 1,472 0 0
US Bancorp Com 902973304   273,010 6,308 SH   SOLE 0 6,308 0 0
Unilever Plc Spon Adr New Com 904767704   216,706 4,470 SH   SOLE 0 4,470 0 0
Union Pacific Corp Com 907818108   226,216 921 SH   SOLE 0 921 0 0
UnitedHealth Group, Inc. Com 91324P102   1,384,090 2,629 SH   SOLE 0 2,629 0 0
Vanguard S&P 500 ETF Com 922908363   1,367,621 3,131 SH   SOLE 0 3,131 0 0
Vanguard Real Estate Index ETF Com 922908553   3,958,528 44,800 SH   SOLE 0 44,800 0 0
Vanguard Mid-Cap Index Fund ETF Com 922908629   749,333 3,221 SH   SOLE 0 3,221 0 0
Vanguard Large Cap Index Fund ETF Com 922908637   3,207,678 14,704 SH   SOLE 0 14,704 0 0
Vanguard Index Fds Small Cap ETF Com 922908751   530,765 2,488 SH   SOLE 0 2,488 0 0
Vanguard Total Stock Market ETF Com 922908769   276,361 1,165 SH   SOLE 0 1,165 0 0
Verizon Communications Inc Com 92343V104   292,816 7,767 SH   SOLE 0 7,767 0 0
Visa Inc Class A Com 92826C839   491,020 1,886 SH   SOLE 0 1,886 0 0
Wal-Mart Inc Com 931142103   247,826 1,572 SH   SOLE 0 1,572 0 0
Eaton Corp PLC Shs Com G29183103   934,863 3,882 SH   SOLE 0 3,882 0 0
Linde Plc ADR Com G54950103   215,212 524 SH   SOLE 0 524 0 0
Seagate Technology Hldngs PLC ADR Com G7997R103   326,882 3,829 SH   SOLE 0 3,829 0 0