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   330,546 595 SH   SOLE   0 0 595
ALPHABET INC CAP STK CL C 02079K107   1,643,076 8,958 SH   SOLE   0 0 8,958
AMAZON COM INC COM 023135106   586,707 3,036 SH   SOLE   0 0 3,036
ANALOG DEVICES INC COM 032654105   231,244 1,013 SH   SOLE   0 0 1,013
APPLE INC COM 037833100   1,570,034 7,454 SH   SOLE   0 0 7,454
BANK AMERICA CORP COM 060505104   609,146 15,317 SH   SOLE   0 0 15,317
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   463,345 1,139 SH   SOLE   0 0 1,139
BOEING CO COM 097023105   215,864 1,186 SH   SOLE   0 0 1,186
BOOKING HOLDINGS INC COM 09857L108   428,042 108 SH   SOLE   0 0 108
CENCORA INC COM 03090BBJ8   267,174 1,186 SH   SOLE   0 0 1,186
DISNEY WALT CO COM 254687106   203,777 2,052 SH   SOLE   0 0 2,052
ECOLAB INC COM 278865100   215,287 905 SH   SOLE   0 0 905
EXXON MOBIL CORP COM 30231G102   499,189 4,336 SH   SOLE   0 0 4,336
FISERV INC COM 337738108   291,522 1,956 SH   SOLE   0 0 1,956
GENERAL DYNAMICS CORP COM 369550108   342,340 1,180 SH   SOLE   0 0 1,180
HUNT J B TRANS SVCS INC COM 445658107   400,267 2,502 SH   SOLE   0 0 2,502
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,846,044 11,237 SH   SOLE   0 0 11,237
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   3,522,006 55,430 SH   SOLE   0 0 55,430
IQVIA HLDGS INC COM 46266C105   249,076 1,178 SH   SOLE   0 0 1,178
ISHARES TR CORE MSCI TOTAL 46432F834   5,695,347 84,301 SH   SOLE   0 0 84,301
ISHARES TR CORE S&P US VLU 464287663   255,455 2,899 SH   SOLE   0 0 2,899
ISHARES TR CORE DIV GRWTH 46434V621   1,528,509 26,532 SH   SOLE   0 0 26,532
ISHARES TR CORE S&P TTL STK 464287150   13,860,087 116,687 SH   SOLE   0 0 116,687
ISHARES TR SHRT NAT MUN ETF 464288158   3,260,078 31,182 SH   SOLE   0 0 31,182
ISHARES TR CORE S&P500 ETF 464287200   22,296,795 40,745 SH   SOLE   0 0 40,745
ISHARES TR MSCI INTL QUALTY 46434V456   1,664,304 42,620 SH   SOLE   0 0 42,620
ISHARES TR CORE 1 5 YR USD 46432F859   7,458,519 157,452 SH   SOLE   0 0 157,452
ISHARES TR ISHS 1-5YR INVS 464288646   3,586,782 70,000 SH   SOLE   0 0 70,000
J P MORGAN EXCHANGE TRADED F DIVERSFD EQT ETF 46641Q845   604,558 13,866 SH   SOLE   0 0 13,866
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206   1,448,378 26,315 SH   SOLE   0 0 26,315
LOCKHEED MARTIN CORP COM 539830109   290,280 621 SH   SOLE   0 0 621
MASTERCARD INCORPORATED CL A 57636Q104   211,555 480 SH   SOLE   0 0 480
MCKESSON CORP COM 58155Q103   291,200 499 SH   SOLE   0 0 499
META PLATFORMS INC CL A 30303M102   262,858 521 SH   SOLE   0 0 521
MICROSOFT CORP COM 594918104   879,085 1,967 SH   SOLE   0 0 1,967
NETFLIX INC COM 64110L106   334,066 495 SH   SOLE   0 0 495
NOVARTIS AG SPONSORED ADR 66987V109   206,958 1,944 SH   SOLE   0 0 1,944
QUALCOMM INC COM 747525103   238,536 1,198 SH   SOLE   0 0 1,198
SANOFI SPONSORED ADR 80105N105   209,655 4,321 SH   SOLE   0 0 4,321
SCHWAB CHARLES CORP COM 808513105   273,271 3,708 SH   SOLE   0 0 3,708
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   2,259,306 29,029 SH   SOLE   0 0 29,029
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   2,972,402 78,906 SH   SOLE   0 0 78,906
SPDR S&P 500 ETF TR TR UNIT 78462F103   6,522,032 11,984 SH   SOLE   0 0 11,984
SPDR SER TR PORTFLI HIGH YLD 78468R606   226,555 9,753 SH   SOLE   0 0 9,753
SPDR SER TR PRTFLO S&P500 GW 78464A409   16,238,941 202,657 SH   SOLE   0 0 202,657
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   279,139 1,606 SH   SOLE   0 0 1,606
UNILEVER PLC SPON ADR NEW 904767704   221,530 4,029 SH   SOLE   0 0 4,029
UNITEDHEALTH GROUP INC COM 91324P102   626,847 1,231 SH   SOLE   0 0 1,231
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   11,606,644 66,029 SH   SOLE   0 0 66,029
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,504,965 19,621 SH   SOLE   0 0 19,621
VANGUARD INDEX FDS VALUE ETF 922908744   702,033 4,376 SH   SOLE   0 0 4,376
VANGUARD INDEX FDS SMALL CP ETF 922908751   274,034 1,257 SH   SOLE   0 0 1,257
VANGUARD INDEX FDS TOTAL STK MKT 922908769   8,581,988 32,081 SH   SOLE   0 0 32,081
VANGUARD INDEX FDS MID CAP ETF 922908629   523,989 2,164 SH   SOLE   0 0 2,164
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   2,181,201 28,226 SH   SOLE   0 0 28,226
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   513,962 2,815 SH   SOLE   0 0 2,815
VANGUARD STAR FDS VG TL INTL STK F 921909768   612,506 10,158 SH   SOLE   0 0 10,158
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   798,554 6,733 SH   SOLE   0 0 6,733
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   654,434 9,550 SH   SOLE   0 0 9,550
WALMART INC COM 931142103   15,206,870 224,588 SH   SOLE   0 0 224,588
WELLS FARGO CO NEW COM 949746101   309,426 5,210 SH   SOLE   0 0 5,210