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
CHUBB LIMITED COM H1467J104 413 2,272 SH   SOLE   2,272 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 543 3,748 SH   SOLE   3,748 0 0
APTIV PLC SHS G6095L109 643 8,222 SH   SOLE   8,222 0 0
MEDTRONIC PLC SHS G5960L103 508 6,294 SH   SOLE   6,294 0 0
ZOETIS INC CL A 98978V103 330 2,226 SH   SOLE   2,226 0 0
WP CAREY INC COM 92936U109 568 8,141 SH   SOLE   8,141 0 0
VISA INC COM CL A 92826C839 246 1,383 SH   SOLE   1,383 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,773 46,688 SH   SOLE   46,688 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 5,892 79,321 SH   SOLE   79,321 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 643 12,876 SH   SOLE   12,876 0 0
VANECK ETF TRUST VANECK SHRT MUNI 92189F528 487 29,270 SH   SOLE   29,270 0 0
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387 737 33,875 SH   SOLE   33,875 0 0
VALERO ENERGY CORP COM 91913Y100 978 9,152 SH   SOLE   9,152 0 0
UNITEDHEALTH GROUP INC COM 91324P102 286 566 SH   SOLE   566 0 0
3M CO COM 88579Y101 442 4,000 SH   SOLE   4,000 0 0
TESLA INC COM 88160R101 407 1,536 SH   SOLE   1,536 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,251 10,532 SH   SOLE   10,532 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1,744 57,444 SH   SOLE   57,444 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 249 3,452 SH   SOLE   3,452 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 2,190 47,505 SH   SOLE   47,505 0 0
SPDR SER TR BLOOMBERG SHT TE 78468R408 2,282 95,968 SH   SOLE   95,968 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 5,866 14,605 SH   SOLE   14,605 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 706 17,279 SH   SOLE   17,279 0 0
SPDR GOLD TR GOLD SHS 78463V107 981 6,345 SH   SOLE   6,345 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,109 11,505 SH   SOLE   11,505 0 0
PAYPAL HLDGS INC COM 70450Y103 612 7,114 SH   SOLE   7,114 0 0
NVIDIA CORPORATION COM 67066G104 7,770 64,010 SH   SOLE   64,010 0 0
NOVARTIS AG SPONSORED ADR 66987V109 237 3,124 SH   SOLE   3,124 0 0
METLIFE INC COM 59156R108 627 10,321 SH   SOLE   10,321 0 0
MERCK & CO INC COM 58933Y105 1,193 13,856 SH   SOLE   13,856 0 0
MCKESSON CORP COM 58155Q103 2,672 7,861 SH   SOLE   7,861 0 0
MASTERCARD INCORPORATED CL A 57636Q104 2,606 9,165 SH   SOLE   9,165 0 0
JPMORGAN CHASE & CO COM 46625H100 3,017 28,872 SH   SOLE   28,872 0 0
ISHARES TR MSCI USA MMENTM 46432F396 735 5,602 SH   SOLE   5,602 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 799 7,686 SH   SOLE   7,686 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 925 13,991 SH   SOLE   13,991 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 303 5,321 SH   SOLE   5,321 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 1,946 38,710 SH   SOLE   38,710 0 0
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 1,965 89,731 SH   SOLE   89,731 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 1,139 56,435 SH   SOLE   56,435 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 3,985 31,305 SH   SOLE   31,305 0 0
HP INC COM 40434L105 956 38,362 SH   SOLE   38,362 0 0
GLOBAL X FDS US INFR DEV ETF 37954Y673 1,724 74,778 SH   SOLE   74,778 0 0
FIDELITY NATIONAL FINANCIAL FNF GROUP COM 31620R303 492 13,578 SH   SOLE   13,578 0 0
META PLATFORMS INC CL A 30303M102 533 3,931 SH   SOLE   3,931 0 0
EXXON MOBIL CORP COM 30231G102 28,006 320,762 SH   SOLE   320,762 0 0
COSTCO WHSL CORP NEW COM 22160K105 825 1,747 SH   SOLE   1,747 0 0
CONSTELLATION BRANDS INC CL A 21036P108 4,064 17,695 SH   SOLE   17,695 0 0
CONOCOPHILLIPS COM 20825C104 276 2,701 SH   SOLE   2,701 0 0
CISCO SYS INC COM 17275R102 1,816 45,390 SH   SOLE   45,390 0 0
CHENIERE ENERGY INC COM NEW 16411R208 401 2,415 SH   SOLE   2,415 0 0
CAPITAL ONE FINL CORP COM 14040H105 1,103 11,964 SH   SOLE   11,964 0 0
C H ROBINSON WORLDWIDE INC COM NEW 12541W209 571 5,925 SH   SOLE   5,925 0 0
BROADCOM INC COM 11135F101 535 1,205 SH   SOLE   1,205 0 0
BLACKSTONE INC COM 09260D107 503 6,006 SH   SOLE   6,006 0 0
AMERIPRISE FINL INC COM 03076C106 1,089 4,322 SH   SOLE   4,322 0 0
ALTRIA GROUP INC COM 02209S103 546 13,528 SH   SOLE   13,528 0 0
ALPHABET INC CAP STK CL A 02079K305 3,164 33,078 SH   SOLE   33,078 0 0
ALPHABET INC CAP STK CL C 02079K107 588 6,120 SH   SOLE   6,120 0 0
ABBVIE INC COM 00287Y109 551 4,109 SH   SOLE   4,109 0 0
TRAVELERS COMPANIES INC COM 89417E109 1,508 9,844 SH   SOLE   9,844 0 0
TARGET CORP COM 87612E106 2,180 14,691 SH   SOLE   14,691 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 2,280 8,529 SH   SOLE   8,529 0 0
QUANTA SVCS INC COM 74762E102 2,590 20,330 SH   SOLE   20,330 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 399 4,879 SH   SOLE   4,879 0 0
WALMART INC COM 931142103 1,704 13,136 SH   SOLE   13,136 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,757 27,832 SH   SOLE   27,832 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 414 3,355 SH   SOLE   3,355 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 232 2,442 SH   SOLE   2,442 0 0
UNION PAC CORP COM 907818108 1,046 5,370 SH   SOLE   5,370 0 0
TYSON FOODS INC CL A 902494103 1,531 23,228 SH   SOLE   23,228 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 3,836 7,563 SH   SOLE   7,563 0 0
TEXAS INSTRS INC COM 882508104 643 4,154 SH   SOLE   4,154 0 0
TJX COS INC NEW COM 872540109 239 3,850 SH   SOLE   3,850 0 0
SYSCO CORP COM 871829107 293 4,145 SH   SOLE   4,145 0 0
SYNOPSYS INC COM 871607107 766 2,507 SH   SOLE   2,507 0 0
STRYKER CORPORATION COM 863667101 845 4,173 SH   SOLE   4,173 0 0
STANLEY BLACK & DECKER INC COM 854502101 535 7,114 SH   SOLE   7,114 0 0
SNOWFLAKE INC CL A 833445109 233 1,372 SH   SOLE   1,372 0 0
SMUCKER J M CO COM NEW 832696405 557 4,056 SH   SOLE   4,056 0 0
ROPER TECHNOLOGIES INC COM 776696106 1,780 4,949 SH   SOLE   4,949 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 1,715 30,496 SH   SOLE   30,496 0 0
PROCTER AND GAMBLE CO COM 742718109 1,531 12,128 SH   SOLE   12,128 0 0
PFIZER INC COM 717081103 2,345 53,577 SH   SOLE   53,577 0 0
PEPSICO INC COM 713448108 210 1,285 SH   SOLE   1,285 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104 794 13,002 SH   SOLE   13,002 0 0
MICROSOFT CORP COM 594918104 3,445 14,790 SH   SOLE   14,790 0 0
MCDONALDS CORP COM 580135101 1,981 8,585 SH   SOLE   8,585 0 0
LOWES COS INC COM 548661107 1,982 10,553 SH   SOLE   10,553 0 0
LILLY ELI & CO COM 532457108 1,654 5,116 SH   SOLE   5,116 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 444 2,138 SH   SOLE   2,138 0 0
LKQ CORP COM 501889208 1,066 22,612 SH   SOLE   22,612 0 0
KRANESHARES TR GLOBAL CARB STRA 500767678 705 18,958 SH   SOLE   18,958 0 0
KLA CORP COM NEW 482480100 1,012 3,343 SH   SOLE   3,343 0 0
JOHNSON & JOHNSON COM 478160104 1,409 8,625 SH   SOLE   8,625 0 0
ISHARES TR US HOME CONS ETF 464288752 1,260 24,203 SH   SOLE   24,203 0 0
ISHARES TR PFD AND INCM SEC 464288687 384 12,116 SH   SOLE   12,116 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 514 10,638 SH   SOLE   10,638 0 0
ISHARES TR CORE S&P SCP ETF 464287804 384 4,409 SH   SOLE   4,409 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 4,048 24,547 SH   SOLE   24,547 0 0
ISHARES TR RUS 1000 ETF 464287622 923 4,676 SH   SOLE   4,676 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,238 5,883 SH   SOLE   5,883 0 0
ISHARES TR COHEN STEER REIT 464287564 1,055 19,662 SH   SOLE   19,662 0 0
ISHARES TR MSCI EAFE ETF 464287465 402 7,180 SH   SOLE   7,180 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 870 10,717 SH   SOLE   10,717 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 406 11,653 SH   SOLE   11,653 0 0
ISHARES TR CORE US AGGBD ET 464287226 7,028 72,953 SH   SOLE   72,953 0 0
ISHARES TR CORE S&P500 ETF 464287200 8,567 23,887 SH   SOLE   23,887 0 0
ISHARES TR TIPS BD ETF 464287176 1,181 11,257 SH   SOLE   11,257 0 0
ISHARES TR SELECT DIVID ETF 464287168 543 5,065 SH   SOLE   5,065 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 555 4,669 SH   SOLE   4,669 0 0
INTEL CORP COM 458140100 699 27,119 SH   SOLE   27,119 0 0
HASBRO INC COM 418056107 504 7,477 SH   SOLE   7,477 0 0
GILEAD SCIENCES INC COM 375558103 1,235 20,015 SH   SOLE   20,015 0 0
GENERAL DYNAMICS CORP COM 369550108 749 3,528 SH   SOLE   3,528 0 0
FISERV INC COM 337738108 2,485 26,558 SH   SOLE   26,558 0 0
EMERSON ELEC CO COM 291011104 273 3,730 SH   SOLE   3,730 0 0
ECOLAB INC COM 278865100 434 3,009 SH   SOLE   3,009 0 0
DOW INC COM 260557103 493 11,223 SH   SOLE   11,223 0 0
DISNEY WALT CO COM 254687106 1,013 10,735 SH   SOLE   10,735 0 0
DARDEN RESTAURANTS INC COM 237194105 2,088 16,531 SH   SOLE   16,531 0 0
DANAHER CORPORATION COM 235851102 1,320 5,109 SH   SOLE   5,109 0 0
DTE ENERGY CO COM 233331107 1,299 11,292 SH   SOLE   11,292 0 0
CUMMINS INC COM 231021106 1,438 7,066 SH   SOLE   7,066 0 0
COCA COLA CO COM 191216100 1,256 22,412 SH   SOLE   22,412 0 0
CLEVELAND-CLIFFS INC NEW COM 185899101 263 19,556 SH   SOLE   19,556 0 0
CITIGROUP INC COM NEW 172967424 558 13,394 SH   SOLE   13,394 0 0
CHEVRON CORP NEW COM 166764100 8,644 60,163 SH   SOLE   60,163 0 0
CATERPILLAR INC COM 149123101 275 1,675 SH   SOLE   1,675 0 0
CVS HEALTH CORP COM 126650100 2,048 21,469 SH   SOLE   21,469 0 0
CF INDS HLDGS INC COM 125269100 1,406 14,612 SH   SOLE   14,612 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 621 8,742 SH   SOLE   8,742 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 312 1,168 SH   SOLE   1,168 0 0
BK OF AMERICA CORP COM 060505104 1,971 65,258 SH   SOLE   65,258 0 0
BP PLC SPONSORED ADR 055622104 315 11,044 SH   SOLE   11,044 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 257 1,137 SH   SOLE   1,137 0 0
APPLE INC COM 037833100 16,363 118,404 SH   SOLE   118,404 0 0
AMAZON COM INC COM 023135106 2,049 18,135 SH   SOLE   18,135 0 0
ALLSTATE CORP COM 020002101 1,807 14,509 SH   SOLE   14,509 0 0
ALBERTSONS COS INC COMMON STOCK 013091103 491 19,761 SH   SOLE   19,761 0 0
ABBOTT LABS COM 002824100 298 3,076 SH   SOLE   3,076 0 0