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
ABBOTT LABS COM 002824100 BBG001S5N9M6 353,600 3,651 SH   SOLE   3,651 0 0
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 3,646,753 24,465 SH   SOLE   24,419 0 46
ADOBE INC COM 00724F101 BBG001S5NCQ5 1,994,729 3,912 SH   SOLE   3,912 0 0
AGNICO EAGLE MINES LTD COM 008474108 BBG001S77MK3 3,077,920 67,721 SH   SOLE   67,566 0 155
AIRBNB INC COM CL A 009066101 BBG001Y2XS16 1,462,522 10,659 SH   SOLE   10,659 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 780,450 5,964 SH   SOLE   5,964 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 12,543,682 95,136 SH   SOLE   94,879 0 257
AMAZON COM INC COM 023135106 BBG001S5PQL7 9,005,817 70,845 SH   SOLE   70,643 0 202
AMGEN INC COM 031162100 BBG001S5NNL6 4,951,903 18,425 SH   SOLE   18,388 0 37
APPLE INC COM 037833100 BBG001S5N8V8 16,449,766 96,079 SH   SOLE   95,882 0 197
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 288,696 1,200 SH   SOLE   1,200 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 438,226 1,251 SH   SOLE   1,251 0 0
BOOKING HOLDINGS INC COM 09857L108 BBG001S89N72 4,123,242 1,337 SH   SOLE   1,333 0 4
CARIBOU BIOSCIENCES INC COM 142038108 BBG008G28LH7 406,396 85,020 SH   SOLE   85,020 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 5,976,736 35,445 SH   SOLE   35,366 0 79
CHUBB LIMITED COM H1467J104 BBG001S8S1L3 1,938,766 9,312 SH   SOLE   9,312 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 6,519,632 121,273 SH   SOLE   121,005 0 268
COCA COLA CO COM 191216100 BBG001S5SMQ8 1,886,191 33,694 SH   SOLE   33,694 0 0
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 3,341,419 75,359 SH   SOLE   75,177 0 182
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 6,734,149 11,920 SH   SOLE   11,912 0 8
DIAGEO PLC SPON ADR NEW 25243Q205 BBG001S7V596 2,883,491 19,326 SH   SOLE   19,278 0 48
DISNEY WALT CO COM 254687106 BBG001S5QHF3 1,751,410 21,609 SH   SOLE   21,564 0 45
DUPONT DE NEMOURS INC COM 26614N102 BBG00BN961H3 202,512 2,715 SH   SOLE   2,715 0 0
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 2,450,851 25,379 SH   SOLE   25,283 0 96
ENBRIDGE INC COM 29250N105 BBG001S6Q6D7 265,089 7,987 SH   SOLE   7,987 0 0
ENVIRI CORP COM 415864107 BBG001S5S0V0 271,833 37,650 SH   SOLE   37,650 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 6,061,685 51,554 SH   SOLE   51,405 0 149
GENERAL MLS INC COM 370334104 BBG001S5RKR2 4,502,401 70,361 SH   SOLE   70,185 0 176
GLOBAL X FDS US PFD ETF 37954Y657 BBG00HPF2LX6 553,880 29,446 SH   SOLE   29,446 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 BBG001SC07Z6 239,442 740 SH   SOLE   740 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 2,918,980 9,660 SH   SOLE   9,634 0 26
INTEL CORP COM 458140100 BBG001S5SF65 1,860,490 52,334 SH   SOLE   52,188 0 146
INTUIT COM 461202103 BBG001S6TWR2 312,185 611 SH   SOLE   611 0 0
ISHARES INC MSCI EMRG CHN 46434G764 BBG00H5VLN77 4,736,691 95,057 SH   SOLE   94,902 0 155
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 238,862 2,950 SH   SOLE   2,599 0 351
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 1,168,374 12,386 SH   SOLE   12,320 0 66
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 3,831,804 8,923 SH   SOLE   8,923 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 20,257,141 406,525 SH   SOLE   405,954 0 571
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 258,023 1,150 SH   SOLE   1,150 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 1,850,766 34,555 SH   SOLE   34,555 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 1,458,432 29,064 SH   SOLE   29,064 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 674,865 4,333 SH   SOLE   4,333 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 6,859,865 47,303 SH   SOLE   47,189 0 114
LINDE PLC SHS G54950103 BBG01FND0CH6 5,239,337 14,071 SH   SOLE   14,038 0 33
MASCO CORP COM 574599106 BBG001S5SZ70 2,381,841 44,562 SH   SOLE   44,453 0 109
MCDONALDS CORP COM 580135101 BBG001S5T110 234,462 890 SH   SOLE   890 0 0
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 3,109,929 39,684 SH   SOLE   39,593 0 91
MERCK & CO INC COM 58933Y105 BBG001S5TC52 3,614,642 35,108 SH   SOLE   35,024 0 84
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 313,120 1,043 SH   SOLE   1,043 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 25,588,514 81,040 SH   SOLE   80,869 0 171
NUCOR CORP COM 670346105 BBG001S5TRV0 560,046 3,582 SH   SOLE   3,582 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 47,273,545 108,677 SH   SOLE   108,677 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 904,345 8,538 SH   SOLE   8,538 0 0
PFIZER INC COM 717081103 BBG001S5V466 3,079,470 92,839 SH   SOLE   92,525 0 314
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 6,835,470 46,863 SH   SOLE   46,763 0 100
QUALCOMM INC COM 747525103 BBG001S6VS70 6,066,752 54,626 SH   SOLE   54,492 0 134
ROPER TECHNOLOGIES INC COM 776696106 BBG001S9B362 4,978,516 10,280 SH   SOLE   10,254 0 26
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 2,189,089 39,874 SH   SOLE   39,723 0 151
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 1,917,959 56,477 SH   SOLE   55,650 0 827
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 702,978 14,679 SH   SOLE   14,679 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 BBG00L5F9FV7 1,620,694 24,717 SH   SOLE   24,321 0 396
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 1,416,412 15,670 SH   SOLE   15,463 0 207
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 BBG001S7T223 1,593,719 48,047 SH   SOLE   47,185 0 862
SELECT SECTOR SPDR TR INDL 81369Y704 BBG001S7T232 12,630,326 124,584 SH   SOLE   124,055 0 529
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 BBG00B597137 3,284,280 96,398 SH   SOLE   96,070 0 328
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 BBG001S7T1Q9 1,664,212 10,338 SH   SOLE   10,160 0 178
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 1,575,887 22,902 SH   SOLE   22,494 0 408
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 2,357,101 18,309 SH   SOLE   17,976 0 333
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 BBG001S7R733 873,241 11,117 SH   SOLE   10,985 0 132
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 4,731,512 28,863 SH   SOLE   28,407 0 456
SHELL PLC SPON ADS 780259305 BBG0147BN6H1 5,345,939 83,037 SH   SOLE   82,819 0 218
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 1,193,292 6,960 SH   SOLE   6,960 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 5,141,332 12,027 SH   SOLE   12,027 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 BBG0029J2KF1 16,401,526 571,084 SH   SOLE   559,105 0 11,979
STRYKER CORPORATION COM 863667101 BBG001S8FR03 3,454,528 12,641 SH   SOLE   12,609 0 32
TE CONNECTIVITY LTD SHS H84989104 BBG001STLRP3 1,618,614 13,103 SH   SOLE   13,095 0 8
TESLA INC COM 88160R101 BBG001SQKGD7 236,458 945 SH   SOLE   945 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 4,181,499 8,261 SH   SOLE   8,242 0 19
TJX COS INC NEW COM 872540109 BBG001S5WQ93 4,118,433 46,337 SH   SOLE   46,215 0 122
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 6,418,339 12,730 SH   SOLE   12,700 0 30
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 BBG00ZXBYMT4 548,420 11,149 SH   SOLE   11,149 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 15,505,444 82,009 SH   SOLE   81,729 0 280
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 10,422,197 265,805 SH   SOLE   264,983 0 822
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 18,707,569 427,895 SH   SOLE   426,443 0 1,452
VANGUARD WORLD FDS UTILITIES ETF 92204A876 BBG001SHVTP4 4,769,601 37,394 SH   SOLE   37,266 0 128
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 1,887,336 58,233 SH   SOLE   58,104 0 129
VISA INC COM CL A 92826C839 BBG001SRCFY3 6,774,749 29,454 SH   SOLE   29,368 0 86
VMWARE INC CL A COM 928563402 BBG001S6TFZ0 266,368 1,600 SH   SOLE   1,600 0 0
WALMART INC COM 931142103 BBG001S5XH92 292,193 1,827 SH   SOLE   1,827 0 0
XYLEM INC COM 98419M100 BBG001V05C73 2,043,988 22,454 SH   SOLE   22,397 0 57
ZOETIS INC CL A 98978V103 BBG0039320P7 229,132 1,317 SH   SOLE   1,317 0 0