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
AbbottLaboratories COM 002824100   1,199,909 10,557 SH   SOLE   0 0 10,557
AccentureLTD SHSCLASSA G1151C101   3,689,140 10,643 SH   SOLE   0 0 10,643
AlphabetIncClassA CAPSTKCLA 02079K305   2,282,062 15,120 SH   SOLE   0 0 15,120
AlphabetIncClassC CAPSTKCLC 02079K107   3,787,461 24,875 SH   SOLE   0 0 24,875
AmazonComInc COM 023135106   3,860,247 21,401 SH   SOLE   0 0 21,401
AmeripriseFinancialInc COM 03076C106   2,125,119 4,847 SH   SOLE   0 0 4,847
AppleComputerInc COM 037833100   5,418,420 31,598 SH   SOLE   0 0 31,598
Bristol-MyersSquibbCo COM 110122108   2,118,782 39,070 SH   SOLE   0 0 39,070
BroadcomInc COM 11135F101   4,365,893 3,294 SH   SOLE   0 0 3,294
CFIndustriesHoldings,Inc COM 125269100   1,111,270 13,355 SH   SOLE   0 0 13,355
ChevrontexacoCorp COM 166764100   1,100,237 6,975 SH   SOLE   0 0 6,975
Conocophillips COM 20825C104   1,373,097 10,788 SH   SOLE   0 0 10,788
CostcoCompaniesInc COM 22160K105   4,154,005 5,670 SH   SOLE   0 0 5,670
CumminsInc COM 231021106   4,659,690 15,814 SH   SOLE   0 0 15,814
CVS COM 126650100   968,924 12,148 SH   SOLE   0 0 12,148
DetroitEdison COM 233331107   3,167,037 28,242 SH   SOLE   0 0 28,242
FIDELITYCOVINGTONTRUST MSCICONSMDIS 316092204   485,885 5,891 SH   SOLE   0 0 5,891
FIDELITYCOVINGTONTRUST MSCIENERGYIDX 316092402   4,363,305 168,663 SH   SOLE   0 0 168,663
FIDELITYCOVINGTONTRUST MSCIHLTHCAREI 316092600   4,797,943 68,768 SH   SOLE   0 0 68,768
FIDELITYCOVINGTONTRUST MSCIINFOTECHI 316092808   2,642,891 16,959 SH   SOLE   0 0 16,959
FIRSTTREXCHANGE-TRADEDFD NASCLNEDGGREEN 33733E500   212,484 6,127 SH   SOLE   0 0 6,127
FiservCorp COM 337738108   5,990,263 37,481 SH   SOLE   0 0 37,481
ISHARES TR 20 YR TR BD ETF 464287432   4,638,083 49,018 SH   SOLE   0 0 49,018
ISHARESTR CORES&P500ETF 464287200   18,460,466 35,114 SH   SOLE   0 0 35,114
ISHARESTR COREUSAGGBDET 464287226   20,889,505 213,289 SH   SOLE   0 0 213,289
ISHARESTR 13YRTREASBD 464287457   5,127,115 62,694 SH   SOLE   0 0 62,694
ISHARESTR CORES&PMCPETF 464287507   13,676,963 225,172 SH   SOLE   0 0 225,172
ISHARESTR CORES&PUSVLU 464287663   4,894,251 54,116 SH   SOLE   0 0 54,116
ISHARESTR CORES&PSCPETF 464287804   3,154,060 28,538 SH   SOLE   0 0 28,538
ISHARESTR SP SMCP600VL ETF 464287879   4,010,928 39,032 SH   SOLE   0 0 39,032
ISHARESTR SHRTNATMUNETF 464288158   309,268 2,953 SH   SOLE   0 0 2,953
ISHARESTR NATIONALMUNETF 464288414   884,472 8,220 SH   SOLE   0 0 8,220
ISHARESTR MSCIKLD400SOC 464288570   1,931,419 19,159 SH   SOLE   0 0 19,159
ISHARESTR 37YRTREASBD 464288661   11,261,788 97,244 SH   SOLE   0 0 97,244
ISHARESTR 10+ YR INVST GRD 464289511   6,670,751 129,504 SH   SOLE   0 0 129,504
ISHARESTR COREHIGHDVETF 46429B663   461,670 4,189 SH   SOLE   0 0 4,189
ISHARESTR COREMSCIEAFE 46432F842   3,723,692 50,171 SH   SOLE   0 0 50,171
ISHARES INC MSCI EMRG CHN 46434G764   4,039,514 70,167 SH   SOLE   0 0 70,167
ISHARESTR ESGAWRUSAGRGT 46435U549   1,831,434 38,917 SH   SOLE   0 0 38,917
ISHARESTR ESG SCRD S&P MID 46436E551   301,116 7,330 SH   SOLE   0 0 7,330
IsunIncCom COM 465246106   5,925 23,700 SH   SOLE   0 0 23,700
Johnson&Johnson COM 478160104   3,155,176 19,945 SH   SOLE   0 0 19,945
JPMorganChase&Co COM 46625H100   1,878,013 9,376 SH   SOLE   0 0 9,376
KLA Corp COM 482480100   1,483,064 2,123 SH   SOLE   0 0 2,123
Lowes COM 548661107   5,318,801 20,880 SH   SOLE   0 0 20,880
LyondellbasellIndustriesNV SHS-A- N53745100   998,969 9,767 SH   SOLE   0 0 9,767
MASTERCARD INCORPORATED CL A 57636Q104   2,585,549 5,369 SH   SOLE   0 0 5,369
MckessonCorp. COM 58155Q103   2,164,042 4,031 SH   SOLE   0 0 4,031
Merck&Co.Inc. COM 58933Y105   1,488,792 11,283 SH   SOLE   0 0 11,283
MetaPlatformsIncClassA CLA 30303M102   1,710,698 3,523 SH   SOLE   0 0 3,523
MetlifeInc COM 59156R108   1,170,642 15,796 SH   SOLE   0 0 15,796
MicrosoftCorp. COM 594918104   7,097,822 16,871 SH   SOLE   0 0 16,871
NOVO-NORDISK A S ADR 670100205   2,686,898 20,926 SH   SOLE   0 0 20,926
NvidiaCorp COM 67066G104   8,713,322 9,643 SH   SOLE   0 0 9,643
SCHWABSTRATEGICTR USBRDMKTETF 808524102   1,235,347 20,235 SH   SOLE   0 0 20,235
SCHWABSTRATEGICTR USLRGCAPETF 808524201   217,148 3,499 SH   SOLE   0 0 3,499
SCHWABSTRATEGICTR USMID-CAPETF 808524508   760,963 9,345 SH   SOLE   0 0 9,345
SCHWABSTRATEGICTR USSMLCAPETF 808524607   1,005,185 20,414 SH   SOLE   0 0 20,414
SCHWABSTRATEGICTR USAGGREGATEB 808524839   1,557,376 33,856 SH   SOLE   0 0 33,856
SELECTSECTORSPDRTR SBIHEALTHCARE 81369Y209   513,509 3,476 SH   SOLE   0 0 3,476
SPDR SER TR SPDR S&P 500 ETF 78468R796   205,269 4,796 SH   SOLE   0 0 4,796
TargetCorporation COM 87612E106   1,323,050 7,466 SH   SOLE   0 0 7,466
Unilever PLC SPON ADR NEW 904767704   990,048 19,726 SH   SOLE   0 0 19,726
UnionPacificCorp COM 907818108   4,647,008 18,896 SH   SOLE   0 0 18,896
VANGUARDBDINDEXFDS TOTALBNDMRKT 921937835   1,813,353 24,967 SH   SOLE   0 0 24,967
VANGUARDWORLDFDS TOTALSTKMKT 922908769   1,349,401 5,192 SH   SOLE   0 0 5,192
VANGUARDWORLDFDS INFTECHETF 92204A702   5,145,348 9,813 SH   SOLE   0 0 9,813
VerizonCommunications COM 92343V104   867,565 20,676 SH   SOLE   0 0 20,676