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
JOHNSON & JOHNSON COM Stock 478160104 799 4,668 SH   SOLE 0 4,668 0 0
COSTCO WHSL CORP NEW COM Stock 22160K105 1,186 2,090 SH   SOLE 0 2,090 0 0
TOYOTA MOTOR CORP ADS ADR 892331307 2,571 13,873 SH   SOLE 0 13,873 0 0
PROCTER AND GAMBLE CO COM Stock 742718109 23,106 141,252 SH   SOLE 0 141,252 0 0
GENERAL MLS INC COM Stock 370334104 1,008 14,965 SH   SOLE 0 14,965 0 0
UNITED PARCEL SERVICE INC CL B Stock 911312106 2,547 11,884 SH   SOLE 0 11,883 0 0
INTEL CORP COM Stock 458140100 2,172 42,171 SH   SOLE 0 42,170 0 0
EATON VANCE TAX-MANAGED BUY- W COM CEF 27828Y108 310 18,500 SH   SOLE 0 18,500 0 0
SANOFI SPONSORED ADR ADR 80105N105 1,708 34,088 SH   SOLE 0 34,088 0 0
MERCK & CO INC COM Stock 58933Y105 3,596 46,916 SH   SOLE 0 46,916 0 0
ILLINOIS TOOL WKS INC COM Stock 452308109 1,067 4,322 SH   SOLE 0 4,321 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104 5,764 110,940 SH   SOLE 0 110,939 0 0
PEPSICO INC COM Stock 713448108 3,870 22,276 SH   SOLE 0 22,275 0 0
HONEYWELL INTL INC COM Stock 438516106 1,438 6,899 SH   SOLE 0 6,898 0 0
US BANCORP DEL COM NEW Stock 902973304 304 5,419 SH   SOLE 0 5,418 0 0
BP PLC SPONSORED ADR ADR 055622104 1,749 65,690 SH   SOLE 0 65,690 0 0
BRITISH AMERN TOB PLC SPONSORED ADR ADR 110448107 1,804 48,225 SH   SOLE 0 48,225 0 0
SCHWAB INTERNATIONAL EQUITY ETF 808524805 3,633 93,467 SH   SOLE 0 93,466 0 0
COMCAST CORP NEW CL A Stock 20030N101 2,213 43,974 SH   SOLE 0 43,974 0 0
MICROSOFT CORP COM Stock 594918104 9,847 29,280 SH   SOLE 0 29,280 0 0
NEXTERA ENERGY INC COM Stock 65339F101 2,400 25,708 SH   SOLE 0 25,707 0 0
VANGUARD S&P 500 ETF 922908363 8,569 19,627 SH   SOLE 0 19,627 0 0
INVESCO ULTRA SHORT DURATION ETF ETF 46090A887 4,869 96,803 SH   SOLE 0 96,802 0 0
LILLY ELI & CO COM Stock 532457108 2,740 9,919 SH   SOLE 0 9,919 0 0
ISHARES RUSSELL 2000 ETF 464287655 3,833 17,231 SH   SOLE 0 17,231 0 0
SCHWAB US DIVIDEND EQUITY ETF 808524797 811 10,030 SH   SOLE 0 10,029 0 0
VISA INC COM CL A Stock 92826C839 1,163 5,366 SH   SOLE 0 5,365 0 0
VANGUARD SMALL CAP GROWTH INDEX ETF 922908595 609 2,161 SH   SOLE 0 2,161 0 0
EATON VANCE TAX-MANAGED GLOBAL COM CEF 27829C105 221 19,750 SH   SOLE 0 19,750 0 0
WISDOM TREE SMALL CAP DIVIDEND ETF 97717W604 243 7,404 SH   SOLE 0 7,404 0 0
NOVARTIS AG SPONSORED ADR ADR 66987V109 2,200 25,148 SH   SOLE 0 25,148 0 0
TOTALENERGIES SE SPONSORED ADS ADR 89151E109 2,148 43,421 SH   SOLE 0 43,421 0 0
NVIDIA CORPORATION COM Stock 67066G104 824 2,800 SH   SOLE 0 2,800 0 0
ISHARES SHORT TREASURY BOND ETF ETF 464288679 4,815 43,606 SH   SOLE 0 43,606 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF 46434G103 281 4,687 SH   SOLE 0 4,687 0 0
QUALCOMM INC COM Stock 747525103 2,189 11,970 SH   SOLE 0 11,969 0 0
MCDONALDS CORP COM Stock 580135101 218 813 SH   SOLE 0 812 0 0
SPDR PORTFOLIO SHORT TERM TREASURY ETF ETF 78468R101 4,872 160,115 SH   SOLE 0 160,114 0 0
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF 464288513 8,826 101,432 SH   SOLE 0 101,431 0 0
ISHARES CORE S&P 500 ETF 464287200 618 1,295 SH   SOLE 0 1,295 0 0
UNION PAC CORP COM Stock 907818108 2,053 8,149 SH   SOLE 0 8,149 0 0
BK OF AMERICA CORP COM Stock 060505104 266 5,974 SH   SOLE 0 5,974 0 0
ORACLE CORP COM Stock 68389X105 1,806 20,704 SH   SOLE 0 20,704 0 0
RAYTHEON TECHNOLOGIES CORP COM Stock 75513E101 1,344 15,620 SH   SOLE 0 15,619 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 8,273 167,268 SH   SOLE 0 167,267 0 0
TEXAS INSTRS INC COM Stock 882508104 1,745 9,257 SH   SOLE 0 9,257 0 0
TARGET CORP COM Stock 87612E106 1,064 4,596 SH   SOLE 0 4,595 0 0
3M CO COM Stock 88579Y101 1,886 10,615 SH   SOLE 0 10,614 0 0
ISHARES MSCI USA VALUE FACTOR ETF ETF 46432F388 248 2,262 SH   SOLE 0 2,262 0 0
GILEAD SCIENCES INC COM Stock 375558103 2,248 30,961 SH   SOLE 0 30,961 0 0
CATERPILLAR INC COM Stock 149123101 1,423 6,881 SH   SOLE 0 6,881 0 0
ALPHABET INC CAP STK CL C Stock 02079K107 231 80 SH   SOLE 0 80 0 0
AMGEN INC COM Stock 031162100 2,119 9,421 SH   SOLE 0 9,420 0 0
VANGUARD MEGA CAP GROWTH ETF 921910816 771 2,957 SH   SOLE 0 2,956 0 0
BRISTOL-MYERS SQUIBB CO COM Stock 110122108 2,638 42,306 SH   SOLE 0 42,306 0 0
ALTRIA GROUP INC COM Stock 02209S103 3,443 72,656 SH   SOLE 0 72,656 0 0
UNITEDHEALTH GROUP INC COM Stock 91324P102 3,840 7,646 SH   SOLE 0 7,646 0 0
LOWES COS INC COM Stock 548661107 1,852 7,165 SH   SOLE 0 7,164 0 0
APPLE INC COM Stock 037833100 12,060 67,917 SH   SOLE 0 67,917 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR ADR 37733W105 2,069 46,924 SH   SOLE 0 46,923 0 0