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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   499,821 1,414 SH   SOLE   0 0 1,414
LINDE PLC SHS G54950103   385,780 809 SH   SOLE   0 0 809
MEDTRONIC PLC SHS G5960L103   353,008 3,921 SH   SOLE   0 0 3,921
CHUBB LIMITED COM H1467J104   360,776 1,251 SH   SOLE   0 0 1,251
CHECK POINT SOFTWARE TECH LT ORD M22465104   758,901 3,936 SH   SOLE   0 0 3,936
ABBOTT LABS COM 002824100   390,143 3,422 SH   SOLE   0 0 3,422
ABBVIE INC COM 00287Y109   1,682,530 8,520 SH   SOLE   0 0 8,520
AIRBNB INC COM CL A 009066101   291,283 2,297 SH   SOLE   0 0 2,297
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   1,366,614 12,878 SH   SOLE   0 0 12,878
ALPHABET INC CAP STK CL C 02079K107   4,873,087 29,147 SH   SOLE   0 0 29,147
ALPHABET INC CAP STK CL A 02079K305   295,545 1,782 SH   SOLE   0 0 1,782
AMAZON COM INC COM 023135106   2,367,137 12,704 SH   SOLE   0 0 12,704
AMBEV SA SPONSORED ADR 02319V103   198,507 81,355 SH   SOLE   0 0 81,355
AMERICAN EXPRESS CO COM 025816109   4,070,712 15,010 SH   SOLE   0 0 15,010
AMGEN INC COM 031162100   2,103,387 6,528 SH   SOLE   0 0 6,528
APPLE INC COM 037833100   7,308,356 31,366 SH   SOLE   0 0 31,366
APPLIED MATLS INC COM 038222105   1,585,689 7,848 SH   SOLE   0 0 7,848
BANK AMERICA CORP COM 060505104   1,709,613 43,085 SH   SOLE   0 0 43,085
BANK NEW YORK MELLON CORP COM 064058100   1,575,675 21,927 SH   SOLE   0 0 21,927
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,714,759 8,071 SH   SOLE   0 0 8,071
BIOGEN INC COM 09062X103   305,492 1,576 SH   SOLE   0 0 1,576
BLACKROCK INC COM 09247X101   1,428,064 1,504 SH   SOLE   0 0 1,504
BOOKING HOLDINGS INC COM 09857L108   737,121 175 SH   SOLE   0 0 175
BRISTOL-MYERS SQUIBB CO COM 110122108   200,493 3,875 SH   SOLE   0 0 3,875
THE CIGNA GROUP COM 125523100   1,160,921 3,351 SH   SOLE   0 0 3,351
CVS HEALTH CORP COM 126650100   1,204,467 19,155 SH   SOLE   0 0 19,155
CARRIER GLOBAL CORPORATION COM 14448C104   272,701 3,388 SH   SOLE   0 0 3,388
CEMEX SAB DE CV SPON ADR NEW 151290889   146,400 24,000 SH   SOLE   0 0 24,000
CHIPOTLE MEXICAN GRILL INC COM 169656105   371,649 6,450 SH   SOLE   0 0 6,450
CISCO SYS INC COM 17275R102   2,015,921 37,879 SH   SOLE   0 0 37,879
COCA COLA CO COM 191216100   1,533,525 21,340 SH   SOLE   0 0 21,340
COMCAST CORP NEW CL A 20030N101   1,453,596 34,800 SH   SOLE   0 0 34,800
CUMMINS INC COM 231021106   832,465 2,571 SH   SOLE   0 0 2,571
DANAHER CORPORATION COM 235851102   427,873 1,539 SH   SOLE   0 0 1,539
DEERE & CO COM 244199105   460,315 1,103 SH   SOLE   0 0 1,103
DIAGEO PLC SPON ADR NEW 25243Q205   477,437 3,402 SH   SOLE   0 0 3,402
DISNEY WALT CO COM 254687106   1,615,319 16,793 SH   SOLE   0 0 16,793
DOVER CORP COM 260003108   362,389 1,890 SH   SOLE   0 0 1,890
EMERSON ELEC CO COM 291011104   493,587 4,513 SH   SOLE   0 0 4,513
EQUITY RESIDENTIAL SH BEN INT 29476L107   324,795 4,362 SH   SOLE   0 0 4,362
ETSY INC COM 29786A106   204,906 3,690 SH   SOLE   0 0 3,690
EXPEDITORS INTL WASH INC COM 302130109   437,431 3,329 SH   SOLE   0 0 3,329
META PLATFORMS INC CL A 30303M102   4,590,969 8,020 SH   SOLE   0 0 8,020
FEDEX CORP COM 31428X106   1,927,255 7,042 SH   SOLE   0 0 7,042
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   377,934 4,027 SH   SOLE   0 0 4,027
GE VERNOVA INC COM 36828A101   575,745 2,258 SH   SOLE   0 0 2,258
GE AEROSPACE COM NEW 369604301   1,760,583 9,336 SH   SOLE   0 0 9,336
GENERAL MLS INC COM 370334104   354,850 4,805 SH   SOLE   0 0 4,805
GENERAL MTRS CO COM 37045V100   309,396 6,900 SH   SOLE   0 0 6,900
GOLDMAN SACHS GROUP INC COM 38141G104   2,899,860 5,857 SH   SOLE   0 0 5,857
HOME DEPOT INC COM 437076102   307,142 758 SH   SOLE   0 0 758
HONEYWELL INTL INC COM 438516106   689,378 3,335 SH   SOLE   0 0 3,335
INTEL CORP COM 458140100   712,973 30,391 SH   SOLE   0 0 30,391
INTERNATIONAL BUSINESS MACHS COM 459200101   1,815,509 8,212 SH   SOLE   0 0 8,212
INTUIT COM 461202103   294,975 475 SH   SOLE   0 0 475
ISHARES GOLD TR ISHARES NEW 464285204   330,307 6,646 SH   SOLE   0 0 6,646
ISHARES TR CORE S&P MCP ETF 464287507   559,946 8,985 SH   SOLE   0 0 8,985
ISHARES TR ISHS 5-10YR INVT 464288638   397,528 7,400 SH   SOLE   0 0 7,400
ISHARES TR ISHS 1-5YR INVS 464288646   679,314 12,900 SH   SOLE   0 0 12,900
ISHARES TR CORE MSCI INTL 46435G326   368,316 5,200 SH   SOLE   0 0 5,200
JPMORGAN CHASE & CO. COM 46625H100   3,973,289 18,843 SH   SOLE   0 0 18,843
JOHNSON & JOHNSON COM 478160104   2,020,695 12,469 SH   SOLE   0 0 12,469
KELLANOVA COM 487836108   414,931 5,141 SH   SOLE   0 0 5,141
KIMBERLY-CLARK CORP COM 494368103   461,984 3,247 SH   SOLE   0 0 3,247
LOCKHEED MARTIN CORP COM 539830109   1,264,404 2,163 SH   SOLE   0 0 2,163
LOWES COS INC COM 548661107   962,663 3,554 SH   SOLE   0 0 3,554
MCDONALDS CORP COM 580135101   336,484 1,105 SH   SOLE   0 0 1,105
MCKESSON CORP COM 58155Q103   1,998,941 4,043 SH   SOLE   0 0 4,043
MERCK & CO INC COM 58933Y105   2,392,028 21,064 SH   SOLE   0 0 21,064
MICROSOFT CORP COM 594918104   5,214,376 12,118 SH   SOLE   0 0 12,118
NOVO-NORDISK A S ADR 670100205   829,918 6,970 SH   SOLE   0 0 6,970
NVIDIA CORPORATION COM 67066G104   228,308 1,880 SH   SOLE   0 0 1,880
ORACLE CORP COM 68389X105   3,242,201 19,027 SH   SOLE   0 0 19,027
PAYCHEX INC COM 704326107   483,084 3,600 SH   SOLE   0 0 3,600
PAYPAL HLDGS INC COM 70450Y103   888,372 11,385 SH   SOLE   0 0 11,385
PEPSICO INC COM 713448108   607,079 3,570 SH   SOLE   0 0 3,570
PFIZER INC COM 717081103   666,026 23,014 SH   SOLE   0 0 23,014
POLARIS INC COM 731068102   649,605 7,804 SH   SOLE   0 0 7,804
PRICE T ROWE GROUP INC COM 74144T108   575,369 5,282 SH   SOLE   0 0 5,282
PROCTER AND GAMBLE CO COM 742718109   1,052,537 6,077 SH   SOLE   0 0 6,077
QUALCOMM INC COM 747525103   1,621,427 9,535 SH   SOLE   0 0 9,535
RTX CORPORATION COM 75513E101   1,629,239 13,447 SH   SOLE   0 0 13,447
S&P GLOBAL INC COM 78409V104   239,712 464 SH   SOLE   0 0 464
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,082,303 7,115 SH   SOLE   0 0 7,115
SANOFI SPONSORED ADR 80105N105   377,246 6,546 SH   SOLE   0 0 6,546
SCHWAB CHARLES CORP COM 808513105   1,772,748 27,353 SH   SOLE   0 0 27,353
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   18,936,492 284,674 SH   SOLE   0 0 284,674
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,171,540 32,005 SH   SOLE   0 0 32,005
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   331,781 3,925 SH   SOLE   0 0 3,925
SOUTHERN CO COM 842587107   468,723 5,198 SH   SOLE   0 0 5,198
STARBUCKS CORP COM 855244109   959,985 9,847 SH   SOLE   0 0 9,847
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   1,112,357 6,405 SH   SOLE   0 0 6,405
TARGET CORP COM 87612E106   916,146 5,878 SH   SOLE   0 0 5,878
TESLA INC COM 88160R101   6,437,145 24,604 SH   SOLE   0 0 24,604
TEXAS INSTRS INC COM 882508104   1,064,662 5,154 SH   SOLE   0 0 5,154
3M CO COM 88579Y101   1,587,039 11,610 SH   SOLE   0 0 11,610
TOAST INC CL A 888787108   359,537 12,700 SH   SOLE   0 0 12,700
UNILEVER PLC SPON ADR NEW 904767704   1,053,002 16,210 SH   SOLE   0 0 16,210
UNION PAC CORP COM 907818108   222,079 901 SH   SOLE   0 0 901
UNITED PARCEL SERVICE INC CL B 911312106   236,550 1,735 SH   SOLE   0 0 1,735
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   369,843 4,700 SH   SOLE   0 0 4,700
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   755,308 5,892 SH   SOLE   0 0 5,892
VANGUARD INDEX FDS GROWTH ETF 922908736   436,913 1,138 SH   SOLE   0 0 1,138
VERIZON COMMUNICATIONS INC COM 92343V104   267,003 5,945 SH   SOLE   0 0 5,945
VISA INC COM CL A 92826C839   258,179 939 SH   SOLE   0 0 939
WALMART INC COM 931142103   2,212,954 27,405 SH   SOLE   0 0 27,405
WELLS FARGO CO NEW COM 949746101   2,404,554 42,566 SH   SOLE   0 0 42,566
ZOOM VIDEO COMMUNICATIONS IN CL A 98980L101   685,824 9,834 SH   SOLE   0 0 9,834