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
ABBOTT LABS COM 002824100   787,891 6,932 SH   SOLE   0 0 6,932
ABBVIE INC COM 00287Y109   6,761,407 37,130 SH   SOLE   0 0 37,130
ADOBE INC COM 00724F101   2,456,216 4,868 SH   SOLE   0 0 4,868
AES CORP COM 00130H105   2,760,485 153,959 SH   SOLE   0 0 153,959
AGNICO EAGLE MINES LTD COM 008474108   8,136,715 136,408 SH   SOLE   0 0 136,408
ALPHABET INC CAP STK CL C 02079K107   2,727,558 17,914 SH   SOLE   0 0 17,914
ALPHABET INC CAP STK CL A 02079K305   5,084,666 33,689 SH   SOLE   0 0 33,689
AMAZON COM INC COM 023135106   3,882,797 21,526 SH   SOLE   0 0 21,526
APPLE INC COM 037833100   5,768,526 33,640 SH   SOLE   0 0 33,640
AUTOZONE INC COM 053332102   8,982,518 2,850 SH   SOLE   0 0 2,850
BANK AMERICA CORP COM 060505104   2,720,568 71,745 SH   SOLE   0 0 71,745
BCE INC COM NEW 05534B760   2,381,488 70,085 SH   SOLE   0 0 70,085
BERKSHIRE HATHAWAY INC DEL CL A 084670108   634,440 1 SH   SOLE   0 0 1
BRISTOL-MYERS SQUIBB CO COM 110122108   5,120,829 94,428 SH   SOLE   0 0 94,428
BROADCOM INC COM 11135F101   18,392,842 13,877 SH   SOLE   0 0 13,877
CHEVRON CORP NEW COM 166764100   7,962,688 50,480 SH   SOLE   0 0 50,480
CHUBB LIMITED COM H1467J104   1,545,296 5,963 SH   SOLE   0 0 5,963
CISCO SYS INC COM 17275R102   3,727,630 74,687 SH   SOLE   0 0 74,687
COLGATE PALMOLIVE CO COM 194162103   499,417 5,546 SH   SOLE   0 0 5,546
COMCAST CORP NEW CL A 20030N101   5,074,074 117,049 SH   SOLE   0 0 117,049
CONSTELLATION BRANDS INC CL A 21036P108   3,056,982 11,249 SH   SOLE   0 0 11,249
COSTCO WHSL CORP NEW COM 22160K105   5,037,862 6,876 SH   SOLE   0 0 6,876
CSX CORP COM 126408103   379,597 10,240 SH   SOLE   0 0 10,240
CVS HEALTH CORP COM 126650100   5,596,201 70,163 SH   SOLE   0 0 70,163
DEERE & CO COM 244199105   3,054,685 7,437 SH   SOLE   0 0 7,437
DELL TECHNOLOGIES INC CL C 24703L202   1,684,720 14,764 SH   SOLE   0 0 14,764
DIAMONDBACK ENERGY INC COM 25278X109   3,811,273 19,232 SH   SOLE   0 0 19,232
EATON CORP PLC SHS G29183103   7,941,412 25,398 SH   SOLE   0 0 25,398
EDWARDS LIFESCIENCES CORP COM 28176E108   6,122,978 64,075 SH   SOLE   0 0 64,075
EXXON MOBIL CORP COM 30231G102   605,494 5,209 SH   SOLE   0 0 5,209
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   27,653,341 610,314 SH   SOLE   0 0 610,314
FRANKLIN BSP RLTY TR INC COMMON STOCK 35243J101   1,255,840 94,000 SH   SOLE   0 0 94,000
GENERAL DYNAMICS CORP COM 369550108   210,455 745 SH   SOLE   0 0 745
HONEYWELL INTL INC COM 438516106   3,072,282 14,968 SH   SOLE   0 0 14,968
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332   273,394 8,600 SH   SOLE   0 0 8,600
ISHARES TR 0-3 MNTH TREASRY 46436E718   252,782 2,510 SH   SOLE   0 0 2,510
ISHARES TR MSCI EAFE ETF 464287465   4,924,327 61,662 SH   SOLE   0 0 61,662
ISHARES TR CORE S&P TTL STK 464287150   286,011 2,481 SH   SOLE   0 0 2,481
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   6,382,788 125,794 SH   SOLE   0 0 125,794
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274   8,996,708 193,353 SH   SOLE   0 0 193,353
JOHNSON & JOHNSON COM 478160104   5,654,423 35,745 SH   SOLE   0 0 35,745
JPMORGAN CHASE & CO COM 46625H100   11,915,531 59,488 SH   SOLE   0 0 59,488
KINDER MORGAN INC DEL COM 49456B101   3,239,889 176,657 SH   SOLE   0 0 176,657
KRAFT HEINZ CO COM 500754106   2,568,461 69,606 SH   SOLE   0 0 69,606
LINDE PLC SHS G54950103   209,408 451 SH   SOLE   0 0 451
LOWES COS INC COM 548661107   6,385,910 25,069 SH   SOLE   0 0 25,069
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100   3,442,438 33,657 SH   SOLE   0 0 33,657
MARRIOTT INTL INC NEW CL A 571903202   1,895,957 7,514 SH   SOLE   0 0 7,514
MASTERCARD INCORPORATED CL A 57636Q104   7,270,259 15,097 SH   SOLE   0 0 15,097
MCDONALDS CORP COM 580135101   3,880,478 13,763 SH   SOLE   0 0 13,763
MEDTRONIC PLC SHS G5960L103   2,762,394 31,697 SH   SOLE   0 0 31,697
MERCK & CO INC COM 58933Y105   6,294,626 47,705 SH   SOLE   0 0 47,705
META PLATFORMS INC CL A 30303M102   4,579,972 9,432 SH   SOLE   0 0 9,432
MICROSOFT CORP COM 594918104   12,933,323 30,741 SH   SOLE   0 0 30,741
MONDELEZ INTL INC CL A 609207105   481,040 6,872 SH   SOLE   0 0 6,872
MORGAN STANLEY COM NEW 617446448   3,224,321 34,243 SH   SOLE   0 0 34,243
NORFOLK SOUTHN CORP COM 655844108   676,680 2,655 SH   SOLE   0 0 2,655
NOVO-NORDISK A S ADR 670100205   9,391,303 73,141 SH   SOLE   0 0 73,141
NXP SEMICONDUCTORS N V COM N6596X109   6,528,453 26,349 SH   SOLE   0 0 26,349
ORACLE CORP COM 68389X105   393,536 3,133 SH   SOLE   0 0 3,133
PALO ALTO NETWORKS INC COM 697435105   2,575,241 9,064 SH   SOLE   0 0 9,064
PEPSICO INC COM 713448108   5,469,612 31,253 SH   SOLE   0 0 31,253
PHILLIPS 66 COM 718546104   6,281,011 38,454 SH   SOLE   0 0 38,454
PNC FINL SVCS GROUP INC COM 693475105   4,108,680 25,425 SH   SOLE   0 0 25,425
PROCTER AND GAMBLE CO COM 742718109   248,892 1,534 SH   SOLE   0 0 1,534
QUALCOMM INC COM 747525103   6,200,267 36,623 SH   SOLE   0 0 36,623
READY CAPITAL CORP COM 75574U101   1,004,300 110,000 SH   SOLE   0 0 110,000
RPM INTL INC COM 749685103   226,005 1,900 SH   SOLE   0 0 1,900
RTX CORPORATION COM 75513E101   5,611,574 57,537 SH   SOLE   0 0 57,537
SALESFORCE INC COM 79466L302   1,828,509 6,071 SH   SOLE   0 0 6,071
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,187,423 19,450 SH   SOLE   0 0 19,450
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   8,136,910 87,758 SH   SOLE   0 0 87,758
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   14,021,043 173,894 SH   SOLE   0 0 173,894
SMUCKER J M CO COM NEW 832696405   3,176,204 25,234 SH   SOLE   0 0 25,234
SOUTHERN CO COM 842587107   3,367,619 46,942 SH   SOLE   0 0 46,942
SPDR GOLD TR GOLD SHS 78463V107   213,743 1,039 SH   SOLE   0 0 1,039
TARGET CORP COM 87612E106   3,504,151 19,774 SH   SOLE   0 0 19,774
THERMO FISHER SCIENTIFIC INC COM 883556102   7,349,246 12,645 SH   SOLE   0 0 12,645
TJX COS INC NEW COM 872540109   5,867,369 57,852 SH   SOLE   0 0 57,852
TRANE TECHNOLOGIES PLC SHS G8994E103   4,989,537 16,621 SH   SOLE   0 0 16,621
TRAVELERS COMPANIES INC COM 89417E109   10,830,781 47,062 SH   SOLE   0 0 47,062
UNION PAC CORP COM 907818108   2,789,092 11,341 SH   SOLE   0 0 11,341
UNITED PARCEL SERVICE INC CL B 911312106   2,655,424 17,866 SH   SOLE   0 0 17,866
UNITEDHEALTH GROUP INC COM 91324P102   3,773,999 7,629 SH   SOLE   0 0 7,629
VALERO ENERGY CORP COM 91913Y100   1,500,062 8,788 SH   SOLE   0 0 8,788
VANECK ETF TRUST GOLD MINERS ETF 92189F106   1,174,019 37,129 SH   SOLE   0 0 37,129
VANGUARD INDEX FDS GROWTH ETF 922908736   322,002 936 SH   SOLE   0 0 936
VANGUARD INDEX FDS LARGE CAP ETF 922908637   300,056 1,251 SH   SOLE   0 0 1,251
VANGUARD INDEX FDS MID CAP ETF 922908629   4,489,052 17,966 SH   SOLE   0 0 17,966
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,576,248 6,896 SH   SOLE   0 0 6,896
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   283,738 6,793 SH   SOLE   0 0 6,793
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   294,464 1,613 SH   SOLE   0 0 1,613
VERIZON COMMUNICATIONS INC COM 92343V104   3,669,911 87,462 SH   SOLE   0 0 87,462
VERTEX PHARMACEUTICALS INC COM 92532F100   3,748,630 8,968 SH   SOLE   0 0 8,968
VISA INC COM CL A 92826C839   2,994,110 10,729 SH   SOLE   0 0 10,729
WARNER BROS DISCOVERY INC COM SER A 934423104   1,953,316 223,748 SH   SOLE   0 0 223,748
ZOETIS INC CL A 98978V103   1,623,038 9,592 SH   SOLE   0 0 9,592