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   512,247 2,813 SH   SOLE   104 0 2,709
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   520,955 1,503 SH   SOLE   3 0 1,500
ALPHABET INC CAP STK CL A 02079K305   768,234 5,090 SH   SOLE   210 0 4,880
ALPHABET INC CAP STK CL C 02079K107   2,317,549 15,221 SH   SOLE   242 0 14,979
ALTRIA GROUP INC COM 02209S103   4,034,370 92,489 SH   SOLE   1,200 0 91,289
AMAZON COM INC COM 023135106   6,353,525 35,223 SH   SOLE   493 0 34,730
AMERICAN EXPRESS CO COM 025816109   549,188 2,412 SH   SOLE   12 0 2,400
AMERIPRISE FINL INC COM 03076C106   264,818 604 SH   SOLE   27 0 577
APPLE INC COM 037833100   6,341,673 36,982 SH   SOLE   1,633 0 35,349
ARES CAPITAL CORP COM 04010L103   574,424 27,590 SH   SOLE   4,195 0 23,395
BECTON DICKINSON & CO COM 075887109   202,167 817 SH   SOLE   784 0 33
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   666,104 1,584 SH   SOLE   19 0 1,565
BOSTON SCIENTIFIC CORP COM 101137107   518,812 7,575 SH   SOLE   0 0 7,575
CATERPILLAR INC COM 149123101   432,661 1,180 SH   SOLE   10 0 1,170
CENCORA INC COM 03073E105   225,252 927 SH   SOLE   7 0 920
CHEVRON CORP NEW COM 166764100   429,999 2,726 SH   SOLE   60 0 2,666
CHIPOTLE MEXICAN GRILL INC COM 169656105   441,829 152 SH   SOLE   1 0 151
CHUBB LIMITED COM H1467J104   236,067 911 SH   SOLE   11 0 900
CISCO SYS INC COM 17275R102   243,311 4,875 SH   SOLE   4,875 0 0
COSTCO WHSL CORP NEW COM 22160K105   562,660 768 SH   SOLE   18 0 750
DANAHER CORPORATION COM 235851102   264,953 1,061 SH   SOLE   31 0 1,030
EATON CORP PLC SHS G29183103   716,975 2,293 SH   SOLE   43 0 2,250
ECOLAB INC COM 278865100   347,043 1,503 SH   SOLE   3 0 1,500
EOG RES INC COM 26875P101   281,120 2,199 SH   SOLE   3 0 2,196
GOLDMAN SACHS GROUP INC COM 38141G104   933,537 2,235 SH   SOLE   1,044 0 1,191
GRAINGER W W INC COM 384802104   359,107 353 SH   SOLE   0 0 353
HOME DEPOT INC COM 437076102   848,523 2,212 SH   SOLE   23 0 2,189
HONEYWELL INTL INC COM 438516106   205,866 1,003 SH   SOLE   50 0 953
INNOVATIVE INDL PPTYS INC COM 45781V101   216,192 2,088 SH   SOLE   600 0 1,488
INVESCO DB COMMDY INDX TRCK UNIT 46138B103   248,581 10,822 SH   SOLE   0 0 10,822
ISHARES TR 1 3 YR TREAS BD 464287457   4,393,794 53,727 SH   SOLE   12,451 0 41,276
ISHARES TR 3 7 YR TREAS BD 464288661   1,836,515 15,858 SH   SOLE   4,378 0 11,480
ISHARES TR CORE DIV GRWTH 46434V621   321,914 5,544 SH   SOLE   5,544 0 0
ISHARES TR CORE INTL AGGR 46435G672   456,366 9,136 SH   SOLE   9,136 0 0
ISHARES TR CORE S&P MCP ETF 464287507   3,538,409 58,255 SH   SOLE   17,780 0 40,475
ISHARES TR CORE S&P SCP ETF 464287804   2,394,666 21,667 SH   SOLE   2,553 0 19,114
ISHARES TR CORE S&P TTL STK 464287150   1,108,353 9,612 SH   SOLE   9,612 0 0
ISHARES TR CORE S&P500 ETF 464287200   764,631 1,454 SH   SOLE   1,454 0 0
ISHARES TR CORE TOTAL USD 46434V613   318,881 6,994 SH   SOLE   6,994 0 0
ISHARES TR CORE US AGGBD ET 464287226   2,431,656 24,828 SH   SOLE   15,287 0 9,541
ISHARES TR IBOXX HI YD ETF 464288513   462,260 5,947 SH   SOLE   2,038 0 3,909
ISHARES TR MSCI EAFE ETF 464287465   9,455,983 118,407 SH   SOLE   12,678 0 105,729
ISHARES TR MSCI EMG MKT ETF 464287234   382,907 9,321 SH   SOLE   2,686 0 6,635
ISHARES TR MSCI INTL QUALTY 46434V456   343,842 8,669 SH   SOLE   8,669 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   269,382 1,639 SH   SOLE   1,639 0 0
ISHARES TR NATIONAL MUN ETF 464288414   6,431,682 59,774 SH   SOLE   19,039 0 40,735
ISHARES TR RUS MID CAP ETF 464287499   211,823 2,519 SH   SOLE   455 0 2,064
ISHARES TR RUSSELL 2000 ETF 464287655   3,740,396 17,786 SH   SOLE   5,098 0 12,688
ISHARES TR SHRT NAT MUN ETF 464288158   7,174,843 68,508 SH   SOLE   15,557 0 52,951
ISHARES TR US HLTHCARE ETF 464287762   1,843,692 29,785 SH   SOLE   6,670 0 23,115
JOHNSON & JOHNSON COM 478160104   390,571 2,469 SH   SOLE   30 0 2,439
JPMORGAN CHASE & CO COM 46625H100   1,001,500 5,000 SH   SOLE   466 0 4,534
KRAFT HEINZ CO COM 500754106   996,817 27,014 SH   SOLE   0 0 27,014
LOCKHEED MARTIN CORP COM 539830109   260,186 572 SH   SOLE   5 0 567
MASTERCARD INCORPORATED CL A 57636Q104   1,960,471 4,071 SH   SOLE   178 0 3,893
MCDONALDS CORP COM 580135101   298,585 1,059 SH   SOLE   0 0 1,059
MERCK & CO INC COM 58933Y105   270,629 2,051 SH   SOLE   21 0 2,030
META PLATFORMS INC CL A 30303M102   3,067,894 6,318 SH   SOLE   70 0 6,248
MICROSOFT CORP COM 594918104   3,426,344 8,144 SH   SOLE   393 0 7,751
MONDELEZ INTL INC CL A 609207105   271,320 3,876 SH   SOLE   132 0 3,744
NXP SEMICONDUCTORS N V COM N6596X109   522,051 2,107 SH   SOLE   7 0 2,100
PAYPAL HLDGS INC COM 70450Y103   205,525 3,068 SH   SOLE   0 0 3,068
PEPSICO INC COM 713448108   453,101 2,589 SH   SOLE   10 0 2,579
PROCTER AND GAMBLE CO COM 742718109   364,089 2,244 SH   SOLE   45 0 2,199
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   797,314 9,888 SH   SOLE   9,888 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   217,086 5,154 SH   SOLE   558 0 4,596
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   263,442 3,450 SH   SOLE   281 0 3,169
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   3,221,729 15,469 SH   SOLE   4,055 0 11,414
SPDR GOLD TR GOLD SHS 78463V107   1,490,236 7,244 SH   SOLE   1,265 0 5,979
SPDR S&P 500 ETF TR TR UNIT 78462F103   46,613,906 89,116 SH   SOLE   29,161 0 59,955
SPDR SER TR NUVEEN BLMBRG SH 78468R739   5,188,750 109,375 SH   SOLE   41,729 0 67,646
STRYKER CORPORATION COM 863667101   678,164 1,895 SH   SOLE   575 0 1,320
TMC THE METALS COMPANY INC COM 87261Y106   274,759 192,139 SH   SOLE   192,139 0 0
UNILEVER PLC SPON ADR NEW 904767704   1,103,277 21,982 SH   SOLE   0 0 21,982
VALERO ENERGY CORP COM 91913Y100   385,930 2,261 SH   SOLE   67 0 2,194
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,638,875 34,418 SH   SOLE   7,192 0 27,226
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   803,360 11,061 SH   SOLE   199 0 10,862
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   1,385,860 7,907 SH   SOLE   492 0 7,415
VANGUARD INDEX FDS GROWTH ETF 922908736   1,672,585 4,859 SH   SOLE   1,657 0 3,202
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   246,036 2,845 SH   SOLE   600 0 2,245
VANGUARD INDEX FDS SMALL CP ETF 922908751   498,793 2,182 SH   SOLE   2,182 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   3,833,312 23,537 SH   SOLE   5,599 0 17,938
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   657,201 15,733 SH   SOLE   10,389 0 5,344
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   369,402 3,343 SH   SOLE   0 0 3,343
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,136,077 14,111 SH   SOLE   4,740 0 9,371
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   2,281,186 29,507 SH   SOLE   8,733 0 20,774
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,477,775 8,092 SH   SOLE   2,721 0 5,371
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,764,736 55,107 SH   SOLE   55,107 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,182,049 9,769 SH   SOLE   6,948 0 2,821
WALMART INC COM 931142103   370,046 6,150 SH   SOLE   912 0 5,238