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
ADOBE INC COM 00724F101   1,330,329 2,609 SH   SOLE   2,609 0 0
ALPHABET INC CAP STK CL A 02079K305   2,587,233 19,771 SH   SOLE   19,771 0 0
ALPHABET INC CAP STK CL C 02079K107   597,412 4,531 SH   SOLE   4,531 0 0
AT&T INC COM 00206R102   186,906 12,444 SH   SOLE   12,444 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   588,610 10,141 SH   SOLE   10,141 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   344,724 6,245 SH   SOLE   6,245 0 0
CHEVRON CORP NEW COM 166764100   1,356,668 8,046 SH   SOLE   8,046 0 0
CISCO SYS INC COM 17275R102   834,566 15,524 SH   SOLE   15,524 0 0
COLGATE PALMOLIVE CO COM 194162103   545,302 7,668 SH   SOLE   7,668 0 0
COSTCO WHSL CORP NEW COM 22160K105   1,037,852 1,837 SH   SOLE   1,837 0 0
EMERSON ELEC CO COM 291011104   647,440 6,704 SH   SOLE   6,704 0 0
EXXON MOBIL CORP COM 30231G102   1,278,399 10,873 SH   SOLE   10,873 0 0
GENERAL MLS INC COM 370334104   530,904 8,297 SH   SOLE   8,297 0 0
GILEAD SCIENCES INC COM 375558103   667,799 8,911 SH   SOLE   8,911 0 0
INTEL CORP COM 458140100   327,502 9,212 SH   SOLE   9,212 0 0
ISHARES TR MSCI EAFE ETF 464287465   5,413,973 78,554 SH   SOLE   78,554 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   10,849,245 61,385 SH   SOLE   61,385 0 0
JOHNSON & JOHNSON COM 478160104   1,623,174 10,422 SH   SOLE   10,422 0 0
LOCKHEED MARTIN CORP COM 539830109   1,520,202 3,717 SH   SOLE   3,717 0 0
MCDONALDS CORP COM 580135101   756,925 2,873 SH   SOLE   2,873 0 0
MICROSOFT CORP COM 594918104   6,366,607 20,163 SH   SOLE   20,163 0 0
ORACLE CORP COM 68389X105   893,975 8,440 SH   SOLE   8,440 0 0
OTIS WORLDWIDE CORP COM 68902V107   238,199 2,966 SH   SOLE   2,966 0 0
PAYPAL HLDGS INC COM 70450Y103   253,015 4,328 SH   SOLE   4,328 0 0
PEPSICO INC COM 713448108   1,244,626 7,346 SH   SOLE   7,346 0 0
PROCTER AND GAMBLE CO COM 742718109   819,870 5,621 SH   SOLE   5,621 0 0
QUALCOMM INC COM 747525103   779,355 7,017 SH   SOLE   7,017 0 0
RTX CORPORATION COM 75513E101   772,150 10,729 SH   SOLE   10,729 0 0
SALESFORCE INC COM 79466L302   768,333 3,789 SH   SOLE   3,789 0 0
SCHLUMBERGER LTD COM STK 806857108   255,947 4,390 SH   SOLE   4,390 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   17,814,740 41,674 SH   SOLE   41,674 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   18,652,124 40,846 SH   SOLE   40,846 0 0
DISNEY WALT CO COM 254687106   587,897 7,254 SH   SOLE   7,254 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   944,519 1,866 SH   SOLE   1,866 0 0
UNILEVER PLC SPON ADR NEW 904767704   762,210 15,429 SH   SOLE   15,429 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   2,116,913 35,923 SH   SOLE   35,923 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   4,679,142 58,256 SH   SOLE   58,256 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   240,699 7,427 SH   SOLE   7,427 0 0
WALMART INC COM 931142103   1,568,643 9,808 SH   SOLE   9,808 0 0
YUM BRANDS INC COM 988498101   965,954 7,731 SH   SOLE   7,731 0 0
AMAZON COM INC COM 023135106   2,360,491 18,569 SH   SOLE   18,569 0 0
APPLE INC COM 037833100   8,144,283 47,569 SH   SOLE   47,569 0 0
HONEYWELL INTL INC COM 438516106   315,946 1,710 SH   SOLE   1,710 0 0
META PLATFORMS INC CL A 30303M102   362,053 1,206 SH   SOLE   1,206 0 0
PFIZER INC COM 717081103   657,413 19,819 SH   SOLE   19,819 0 0
REGENERON PHARMACEUTICALS COM 75886F107   390,083 474 SH   SOLE   474 0 0
NVIDIA CORPORATION COM 67066G104   2,471,186 5,681 SH   SOLE   5,681 0 0
DUPONT DE NEMOURS INC COM 26614N102   227,814 3,054 SH   SOLE   3,054 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   206,696 673 SH   SOLE   673 0 0
ADVANCED MICRO DEVICES INC COM 007903107   659,076 6,410 SH   SOLE   6,410 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   291,399 495 SH   SOLE   495 0 0
BIOGEN INC COM 09062X103   238,505 928 SH   SOLE   928 0 0
BROADCOM INC COM 11135F101   834,050 1,004 SH   SOLE   1,004 0 0
CONOCOPHILLIPS COM 20825C104   258,200 2,155 SH   SOLE   2,155 0 0
NOKIA CORP SPONSORED ADR 654902204   253,505 67,782 SH   SOLE   67,782 0 0
NOVARTIS AG SPONSORED ADR 66987V109   313,952 3,082 SH   SOLE   3,082 0 0
NOVO-NORDISK A S ADR 670100205   298,477 3,282 SH   SOLE   3,282 0 0
PHILIP MORRIS INTL INC COM 718172109   232,494 2,511 SH   SOLE   2,511 0 0
SAP SE SPON ADR 803054204   253,092 1,957 SH   SOLE   1,957 0 0
SERVICENOW INC COM 81762P102   205,138 367 SH   SOLE   367 0 0
SKYWORKS SOLUTIONS INC COM 83088M102   271,137 2,750 SH   SOLE   2,750 0 0
STARBUCKS CORP COM 855244109   320,565 3,512 SH   SOLE   3,512 0 0
ERICSSON ADR B SEK 10 294821608   50,144 10,318 SH   SOLE   10,318 0 0
HOME DEPOT INC COM 437076102   1,293,583 4,281 SH   SOLE   4,281 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   420,914 10,735 SH   SOLE   10,735 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100   316,443 910 SH   SOLE   910 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   484,528 2,014 SH   SOLE   2,014 0 0
AUTOZONE INC COM 053332102   365,759 144 SH   SOLE   144 0 0
SOUTHERN CO COM 842587107   260,691 4,028 SH   SOLE   4,028 0 0
VALERO ENERGY CORP COM 91913Y100   260,416 1,838 SH   SOLE   1,838 0 0
NORTHERN DYNASTY MINERALS LT COM NEW 66510M204   119,771 368,300 SH   SOLE   368,300 0 0
BOEING CO COM 097023105   312,247 1,629 SH   SOLE   1,629 0 0
AMARIN CORP PLC SPONS ADR NEW 023111206   647,826 704,159 SH   SOLE   704,159 0 0
AMGEN INC COM 031162100   285,692 1,063 SH   SOLE   1,063 0 0
LOWES COS INC COM 548661107   374,736 1,803 SH   SOLE   1,803 0 0
XCEL ENERGY INC COM 98389B100   202,481 3,539 SH   SOLE   3,539 0 0
TESLA INC COM 88160R101   343,802 1,374 SH   SOLE   1,374 0 0
ELDORADO GOLD CORP NEW COM 284902509   147,015 16,500 SH   SOLE   16,500 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108   534,880 33,430 SH   SOLE   33,430 0 0
AURORA CANNABIS INC COM 05156X884   14,561 24,891 SH   SOLE   24,891 0 0
TRANSOCEAN LTD REG SHS H8817H100   156,179 19,023 SH   SOLE   19,023 0 0
THE TRADE DESK INC COM CL A 88339J105   441,548 5,650 SH   SOLE   5,650 0 0
BALCHEM CORP COM 057665200   383,656 3,093 SH   SOLE   3,093 0 0
MICROSTRATEGY INC CL A NEW 594972408   742,241 2,261 SH   SOLE   2,261 0 0
JPMORGAN CHASE & CO COM 46625H100   552,552 3,810 SH   SOLE   3,810 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   282,264 5,274 SH   SOLE   5,274 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   308,844 1,454 SH   SOLE   1,454 0 0