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
ABBVIE INC COM 00287Y109   419,814 2,709 SH   SOLE   455 0 2,254
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   526,365 1,500 SH   SOLE   0 0 1,500
ALPHABET INC CAP STK CL A 02079K305   681,687 4,880 SH   SOLE   485 0 4,395
ALPHABET INC CAP STK CL C 02079K107   2,238,109 15,881 SH   SOLE   1,169 0 14,712
ALTRIA GROUP INC COM 02209S103   3,726,165 92,369 SH   SOLE   1,080 0 91,289
AMAZON COM INC COM 023135106   5,661,284 37,260 SH   SOLE   4,366 0 32,894
AMERICAN EXPRESS CO COM 025816109   449,616 2,400 SH   SOLE   485 0 1,915
AMERIPRISE FINL INC COM 03076C106   219,162 577 SH   SOLE   0 0 577
APPLE INC COM 037833100   7,524,457 39,082 SH   SOLE   4,051 0 35,031
ARES CAPITAL CORP COM 04010L103   527,891 26,355 SH   SOLE   4,195 0 22,160
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   621,658 1,743 SH   SOLE   273 0 1,470
BOSTON SCIENTIFIC CORP COM 101137107   437,911 7,575 SH   SOLE   1,530 0 6,045
BRISTOL-MYERS SQUIBB CO COM 110122108   202,007 3,937 SH   SOLE   745 0 3,192
CATERPILLAR INC COM 149123101   345,934 1,170 SH   SOLE   237 0 933
CHEVRON CORP NEW COM 166764100   397,661 2,666 SH   SOLE   0 0 2,666
CHIPOTLE MEXICAN GRILL INC COM 169656105   345,331 151 SH   SOLE   0 0 151
CHUBB LIMITED COM H1467J104   203,400 900 SH   SOLE   182 0 718
CISCO SYS INC COM 17275R102   242,799 4,806 SH   SOLE   4,806 0 0
COSTCO WHSL CORP NEW COM 22160K105   495,060 750 SH   SOLE   152 0 598
DANAHER CORPORATION COM 235851102   238,280 1,030 SH   SOLE   165 0 865
EATON CORP PLC SHS G29183103   541,845 2,250 SH   SOLE   455 0 1,795
ECOLAB INC COM 278865100   319,344 1,610 SH   SOLE   303 0 1,307
EOG RES INC COM 26875P101   265,606 2,196 SH   SOLE   444 0 1,752
GOLDMAN SACHS GROUP INC COM 38141G104   982,942 2,548 SH   SOLE   1,266 0 1,282
GRAINGER W W INC COM 384802104   340,592 411 SH   SOLE   72 0 339
HOME DEPOT INC COM 437076102   758,598 2,189 SH   SOLE   228 0 1,961
HONEYWELL INTL INC COM 438516106   235,085 1,121 SH   SOLE   168 0 953
INNOVATIVE INDL PPTYS INC COM 45781V101   210,512 2,088 SH   SOLE   781 0 1,307
INVESCO DB COMMDY INDX TRCK UNIT 46138B103   460,989 20,916 SH   SOLE   0 0 20,916
ISHARES TR 1 3 YR TREAS BD 464287457   4,688,914 57,154 SH   SOLE   14,047 0 43,107
ISHARES TR 3 7 YR TREAS BD 464288661   1,883,802 16,083 SH   SOLE   4,902 0 11,181
ISHARES TR CORE S&P MCP ETF 464287507   3,280,070 11,835 SH   SOLE   3,470 0 8,365
ISHARES TR CORE S&P SCP ETF 464287804   2,045,600 18,897 SH   SOLE   1,787 0 17,110
ISHARES TR CORE US AGGBD ET 464287226   1,518,922 15,304 SH   SOLE   5,763 0 9,541
ISHARES TR IBOXX HI YD ETF 464288513   495,528 6,403 SH   SOLE   2,819 0 3,584
ISHARES TR MSCI EAFE ETF 464287465   9,346,188 124,037 SH   SOLE   15,267 0 108,770
ISHARES TR MSCI EMG MKT ETF 464287234   408,172 10,151 SH   SOLE   3,516 0 6,635
ISHARES TR NATIONAL MUN ETF 464288414   6,769,120 62,440 SH   SOLE   16,130 0 46,310
ISHARES TR RUSSELL 2000 ETF 464287655   3,731,801 18,593 SH   SOLE   5,597 0 12,996
ISHARES TR SHRT NAT MUN ETF 464288158   7,227,648 68,554 SH   SOLE   15,632 0 52,922
ISHARES TR US HLTHCARE ETF 464287762   1,853,690 6,476 SH   SOLE   1,658 0 4,818
JOHNSON & JOHNSON COM 478160104   394,201 2,515 SH   SOLE   467 0 2,048
JPMORGAN CHASE & CO COM 46625H100   848,629 4,989 SH   SOLE   1,036 0 3,953
KRAFT HEINZ CO COM 500754106   1,073,677 29,034 SH   SOLE   0 0 29,034
LOCKHEED MARTIN CORP COM 539830109   256,987 567 SH   SOLE   115 0 452
MASTERCARD INCORPORATED CL A 57636Q104   1,827,169 4,284 SH   SOLE   806 0 3,478
MCDONALDS CORP COM 580135101   314,004 1,059 SH   SOLE   249 0 810
MERCK & CO INC COM 58933Y105   221,311 2,030 SH   SOLE   0 0 2,030
META PLATFORMS INC CL A 30303M102   2,211,542 6,248 SH   SOLE   303 0 5,945
MICROSOFT CORP COM 594918104   3,092,553 8,224 SH   SOLE   893 0 7,331
MONDELEZ INTL INC CL A 609207105   339,479 4,687 SH   SOLE   439 0 4,248
NXP SEMICONDUCTORS N V COM N6596X109   482,328 2,100 SH   SOLE   424 0 1,676
PEPSICO INC COM 713448108   438,017 2,579 SH   SOLE   303 0 2,276
PFIZER INC COM 717081103   240,022 8,337 SH   SOLE   1,212 0 7,125
PROCTER AND GAMBLE CO COM 742718109   322,241 2,199 SH   SOLE   364 0 1,835
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   271,913 3,775 SH   SOLE   606 0 3,169
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   3,332,021 17,311 SH   SOLE   3,958 0 13,353
SPDR GOLD TR GOLD SHS 78463V107   1,483,862 7,762 SH   SOLE   1,783 0 5,979
SPDR S&P 500 ETF TR TR UNIT 78462F103   44,013,706 92,600 SH   SOLE   29,147 0 63,453
SPDR SER TR NUVEEN BLMBRG SH 78468R739   5,384,213 112,664 SH   SOLE   48,822 0 63,842
STRYKER CORPORATION COM 863667101   565,380 1,888 SH   SOLE   568 0 1,320
TMC THE METALS COMPANY INC COM 87261Y106   211,353 192,139 SH   SOLE   192,139 0 0
UNILEVER PLC SPON ADR NEW 904767704   1,065,687 21,982 SH   SOLE   0 0 21,982
UNITED PARCEL SERVICE INC CL B 911312106   204,871 1,303 SH   SOLE   303 0 1,000
UNITEDHEALTH GROUP INC COM 91324P102   234,279 445 SH   SOLE   0 0 445
VALERO ENERGY CORP COM 91913Y100   285,220 2,194 SH   SOLE   364 0 1,830
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,697,703 35,026 SH   SOLE   8,266 0 26,760
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   868,846 11,813 SH   SOLE   199 0 11,614
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   1,545,055 9,397 SH   SOLE   543 0 8,854
VANGUARD INDEX FDS GROWTH ETF 922908736   1,471,706 4,734 SH   SOLE   836 0 3,898
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   303,870 3,439 SH   SOLE   979 0 2,460
VANGUARD INDEX FDS VALUE ETF 922908744   3,351,641 22,419 SH   SOLE   3,830 0 18,589
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   376,476 9,160 SH   SOLE   2,438 0 6,722
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   449,483 4,369 SH   SOLE   0 0 4,369
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,188,639 14,624 SH   SOLE   4,740 0 9,884
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   2,455,027 31,731 SH   SOLE   8,733 0 22,998
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,463,225 8,587 SH   SOLE   1,529 0 7,058
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,713,623 35,775 SH   SOLE   35,775 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   377,421 3,381 SH   SOLE   206 0 3,175
WALMART INC COM 931142103   332,011 2,106 SH   SOLE   641 0 1,465
ZIM INTEGRATED SHIPPING SERV SHS M9T951109   104,948 10,633 SH   SOLE   0 0 10,633