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
ABBVIE INC COM 00287Y109   403,804 2,709 SH   SOLE   455 0 2,254
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   460,665 1,500 SH   SOLE   0 0 1,500
ALPHABET INC CAP STK CL A 02079K305   638,597 4,880 SH   SOLE   485 0 4,395
ALPHABET INC CAP STK CL C 02079K107   2,090,614 15,856 SH   SOLE   1,144 0 14,712
ALTRIA GROUP INC COM 02209S103   3,184,194 75,724 SH   SOLE   0 0 75,724
AMAZON COM INC COM 023135106   4,726,322 37,180 SH   SOLE   4,286 0 32,894
AMERICAN EXPRESS CO COM 025816109   358,056 2,400 SH   SOLE   485 0 1,915
APPLE INC COM 037833100   6,652,536 38,856 SH   SOLE   3,825 0 35,031
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   610,573 1,743 SH   SOLE   273 0 1,470
BOSTON SCIENTIFIC CORP COM 101137107   399,960 7,575 SH   SOLE   1,530 0 6,045
BRISTOL-MYERS SQUIBB CO COM 110122108   228,503 3,937 SH   SOLE   745 0 3,192
CATERPILLAR INC COM 149123101   319,410 1,170 SH   SOLE   237 0 933
CHEVRON CORP NEW COM 166764100   474,834 2,816 SH   SOLE   0 0 2,816
CHIPOTLE MEXICAN GRILL INC COM 169656105   276,606 151 SH   SOLE   0 0 151
COSTCO WHSL CORP NEW COM 22160K105   423,720 750 SH   SOLE   152 0 598
DANAHER CORPORATION COM 235851102   255,543 1,030 SH   SOLE   165 0 865
EATON CORP PLC SHS G29183103   479,880 2,250 SH   SOLE   455 0 1,795
ECOLAB INC COM 278865100   272,734 1,610 SH   SOLE   303 0 1,307
EOG RES INC COM 26875P101   278,365 2,196 SH   SOLE   444 0 1,752
GOLDMAN SACHS GROUP INC COM 38141G104   743,564 2,298 SH   SOLE   1,016 0 1,282
GRAINGER W W INC COM 384802104   284,346 411 SH   SOLE   72 0 339
HOME DEPOT INC COM 437076102   661,428 2,189 SH   SOLE   228 0 1,961
HONEYWELL INTL INC COM 438516106   207,094 1,121 SH   SOLE   168 0 953
INVESCO DB COMMDY INDX TRCK UNIT 46138B103   568,414 22,773 SH   SOLE   0 0 22,773
ISHARES TR 1 3 YR TREAS BD 464287457   4,310,276 53,233 SH   SOLE   11,276 0 41,957
ISHARES TR 3 7 YR TREAS BD 464288661   1,716,071 15,165 SH   SOLE   3,984 0 11,181
ISHARES TR CORE S&P MCP ETF 464287507   2,764,294 11,086 SH   SOLE   2,721 0 8,365
ISHARES TR CORE S&P SCP ETF 464287804   1,775,857 18,826 SH   SOLE   1,716 0 17,110
ISHARES TR CORE US AGGBD ET 464287226   1,176,346 12,509 SH   SOLE   2,968 0 9,541
ISHARES TR IBOXX HI YD ETF 464288513   508,594 6,899 SH   SOLE   2,309 0 4,590
ISHARES TR MSCI EAFE ETF 464287465   8,188,041 118,805 SH   SOLE   12,084 0 106,721
ISHARES TR MSCI EMG MKT ETF 464287234   359,728 9,479 SH   SOLE   2,844 0 6,635
ISHARES TR NATIONAL MUN ETF 464288414   5,992,745 58,443 SH   SOLE   12,798 0 45,645
ISHARES TR RUSSELL 2000 ETF 464287655   2,890,759 16,356 SH   SOLE   4,375 0 11,981
ISHARES TR SHRT NAT MUN ETF 464288158   6,655,248 64,702 SH   SOLE   11,780 0 52,922
ISHARES TR US HLTHCARE ETF 464287762   1,659,850 6,146 SH   SOLE   1,328 0 4,818
JOHNSON & JOHNSON COM 478160104   391,711 2,515 SH   SOLE   467 0 2,048
JPMORGAN CHASE & CO COM 46625H100   710,308 4,898 SH   SOLE   945 0 3,953
KRAFT HEINZ CO COM 500754106   976,704 29,034 SH   SOLE   0 0 29,034
LOCKHEED MARTIN CORP COM 539830109   231,880 567 SH   SOLE   115 0 452
MASTERCARD INCORPORATED CL A 57636Q104   1,682,618 4,250 SH   SOLE   772 0 3,478
MCDONALDS CORP COM 580135101   278,983 1,059 SH   SOLE   249 0 810
MERCK & CO INC COM 58933Y105   208,989 2,030 SH   SOLE   0 0 2,030
META PLATFORMS INC CL A 30303M102   1,875,712 6,248 SH   SOLE   303 0 5,945
MICROSOFT CORP COM 594918104   2,580,309 8,172 SH   SOLE   841 0 7,331
MONDELEZ INTL INC CL A 609207105   324,167 4,671 SH   SOLE   423 0 4,248
NXP SEMICONDUCTORS N V COM N6596X109   419,832 2,100 SH   SOLE   424 0 1,676
PAYPAL HLDGS INC COM 70450Y103   413,195 7,068 SH   SOLE   822 0 6,246
PEPSICO INC COM 713448108   436,986 2,579 SH   SOLE   303 0 2,276
PFIZER INC COM 717081103   438,275 13,213 SH   SOLE   1,212 0 12,001
PROCTER AND GAMBLE CO COM 742718109   320,746 2,199 SH   SOLE   364 0 1,835
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   259,758 3,775 SH   SOLE   606 0 3,169
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,680,419 16,351 SH   SOLE   2,998 0 13,353
SPDR GOLD TR GOLD SHS 78463V107   1,282,275 7,479 SH   SOLE   1,500 0 5,979
SPDR S&P 500 ETF TR TR UNIT 78462F103   36,739,341 85,944 SH   SOLE   22,084 0 63,860
SPDR SER TR NUVEEN BLMBRG SH 78468R739   4,735,246 102,428 SH   SOLE   38,586 0 63,842
STRYKER CORPORATION COM 863667101   477,403 1,747 SH   SOLE   427 0 1,320
TMC THE METALS COMPANY INC COM 87261Y106   190,448 192,139 SH   SOLE   192,139 0 0
UNILEVER PLC SPON ADR NEW 904767704   1,085,911 21,982 SH   SOLE   0 0 21,982
UNITED PARCEL SERVICE INC CL B 911312106   203,099 1,303 SH   SOLE   303 0 1,000
UNITEDHEALTH GROUP INC COM 91324P102   224,365 445 SH   SOLE   0 0 445
VALERO ENERGY CORP COM 91913Y100   310,912 2,194 SH   SOLE   364 0 1,830
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,513,459 33,437 SH   SOLE   6,677 0 26,760
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   884,671 12,678 SH   SOLE   199 0 12,479
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   1,358,338 9,477 SH   SOLE   623 0 8,854
VANGUARD INDEX FDS GROWTH ETF 922908736   1,243,912 4,568 SH   SOLE   670 0 3,898
VANGUARD INDEX FDS VALUE ETF 922908744   2,231,156 16,176 SH   SOLE   3,087 0 13,089
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   340,343 8,680 SH   SOLE   1,958 0 6,722
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   407,103 4,369 SH   SOLE   0 0 4,369
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,032,036 13,583 SH   SOLE   3,699 0 9,884
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   2,273,663 30,255 SH   SOLE   6,857 0 23,398
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,288,256 8,291 SH   SOLE   1,233 0 7,058
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,173,051 26,831 SH   SOLE   26,831 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   355,317 3,439 SH   SOLE   206 0 3,233
WALMART INC COM 931142103   325,298 2,034 SH   SOLE   569 0 1,465
ZIM INTEGRATED SHIPPING SERV SHS M9T951109   334,306 31,991 SH   SOLE   0 0 31,991