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
ISHARES TR MSCI EAFE ETF 464287465   9,965,511 139,339 SH   SOLE   0 0 139,339
APPLE INC COM 037833100   7,623,113 46,229 SH   SOLE   0 0 46,229
MICROSOFT CORP COM 594918104   6,763,876 23,461 SH   SOLE   0 0 23,461
ALPHABET INC CAP STK CL C 02079K107   6,468,800 62,200 SH   SOLE   0 0 62,200
SPDR S&P 500 ETF TR TR UNIT 78462F103   6,283,400 15,348 SH   SOLE   0 0 15,348
BRISTOL-MEYERS SQUIBB CO COM 110122108   5,723,273 82,575 SH   SOLE   0 0 82,575
ISHARES TR RUSSELL 2000 ETF 464287655   5,484,016 30,740 SH   SOLE   0 0 30,740
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   5,444,850 17,634 SH   SOLE   0 0 17,634
VISA INC COM CL A 92826C839   5,379,927 23,862 SH   SOLE   0 0 23,862
ROSS STORES INC COM 778296103   5,231,784 49,296 SH   SOLE   0 0 49,296
SPDR SER TR PRTFLO S&P500 VL 78464A508   5,230,899 128,460 SH   SOLE   0 0 128,460
AT&T INC COM 00206R102   4,179,129 217,098 SH   SOLE   0 0 217,098
TJX COS INC NEW COM 872540109   3,867,129 49,351 SH   SOLE   0 0 49,351
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,466,643 85,808 SH   SOLE   0 0 85,808
LILLY ELI & CO COM 532457108   3,160,151 9,202 SH   SOLE   0 0 9,202
ABBVIE INC COM 92532F100   3,053,343 9,691 SH   SOLE   0 0 9,691
VERTEX PHARMACEUTICALS INC COM 00287Y109   3,052,732 19,155 SH   SOLE   0 0 19,155
BROADCOM INC COM 11135F101   3,030,892 4,724 SH   SOLE   0 0 4,724
SELECT SECTOR SPDR TR ENERGY 81369Y506   2,828,893 34,153 SH   SOLE   0 0 34,153
THERMO FISHER SCIENTIFIC INC COM 883556102   2,708,939 4,700 SH   SOLE   0 0 4,700
UNILEVER PLC SPON ADR NEW 904767704   2,322,206 44,718 SH   SOLE   0 0 44,718
BOEING CO COM 097023105   2,157,652 10,157 SH   SOLE   0 0 10,157
JOHNSON & JOHNSON COM 478160104   2,118,308 13,667 SH   SOLE   0 0 13,667
ON SEMICONDUCTOR CORP COM 682189105   2,104,182 25,561 SH   SOLE   0 0 25,561
NIKE INC CL B 654106103   2,029,582 16,549 SH   SOLE   0 0 16,549
COSTCO WHSL CORP NEW COM 22160K105   2,005,367 4,036 SH   SOLE   0 0 4,036
SNAP ON INC COM 833034101   1,985,736 8,043 SH   SOLE   0 0 8,043
D R HORTON INC COM 23331A109   1,931,429 19,771 SH   SOLE   0 0 19,771
AMAZON COM INC COM 023135106   1,828,853 17,706 SH   SOLE   0 0 17,706
META PLATFORMS INC CL A 30303M102   1,590,525 7,505 SH   SOLE   0 0 7,505
ALPHABET INC CAP STK CL A 02079K305   1,546,718 14,911 SH   SOLE   0 0 14,911
NEXTERA ENERGY INC COM 65339F101   1,422,820 18,459 SH   SOLE   0 0 18,459
BOSTON SCIENTIFIC CORP COM 101137107   1,400,040 27,984 SH   SOLE   0 0 27,984
LOCKHEED MARTIN CORP COM 539830109   1,397,863 2,957 SH   SOLE   0 0 2,957
ISHARES TR CORE S&P500 ETF 464287200   1,306,412 3,178 SH   SOLE   0 0 3,178
UNITEDHEALTH GROUP INC COM 91324P102   1,240,549 2,625 SH   SOLE   0 0 2,625
NVIDIA CORPORATION COM 67066G104   1,211,633 4,362 SH   SOLE   0 0 4,362
LPL FINL HLDGS INC COM 50212V100   1,162,383 5,743 SH   SOLE   0 0 5,743
FISERV INC COM 337738108   1,129,396 9,992 SH   SOLE   0 0 9,992
GENERAL ELECTRIC CO COM NEW 369604301   1,091,178 11,414 SH   SOLE   0 0 11,414
YUM BRANDS INC COM 988498101   1,076,980 8,154 SH   SOLE   0 0 8,154
AIRBNB INC COM CL A 009066101   1,054,166 8,474 SH   SOLE   0 0 8,474
MSCI INC COM 55354G100   997,368 1,782 SH   SOLE   0 0 1,782
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   914,603 28,448 SH   SOLE   0 0 28,448
AON PLC SHS CL A G0403H108   905,513 2,872 SH   SOLE   0 0 2,872
TRUIST FINL CORP COM 89832Q109   847,692 24,859 SH   SOLE   0 0 24,859
CITIZENS FINL GROUP INC COM 174610105   835,054 27,496 SH   SOLE   0 0 27,496
NETFLIX INC COM 64110L106   826,734 2,393 SH   SOLE   0 0 2,393
WELLS FARGO CO NEW COM 949746101   823,070 22,019 SH   SOLE   0 0 22,019
REPUBLIC SERVICES INC COM 760759100   698,547 5,166 SH   SOLE   0 0 5,166
BORGWARNER INC COM 099724106   683,267 13,913 SH   SOLE   0 0 13,913
CHEVRON CORP NOW COM 166764100   588,029 3,604 SH   SOLE   0 0 3,604
EXXON MOBIL CORP COM 30231G102   583,869 5,324 SH   SOLE   0 0 5,324
EATON CORP PLC SHS G29183103   571,590 3,336 SH   SOLE   0 0 3,336
CITIGROUP INC COM NEW 172967424   570,792 12,173 SH   SOLE   0 0 12,173
VISTRA CORP COM 92840M102   447,576 18,649 SH   SOLE   0 0 18,649
NORFOLK SOUTHN CORP COM 655844108   407,040 1,920 SH   SOLE   0 0 1,920
TESLA INC COM 88160R101   390,855 1,884 SH   SOLE   0 0 1,884
BP PLC SPONSORED ADR 055622104   374,492 9,871 SH   SOLE   0 0 9,871
VANGUARD SCOTSSDALE FDS VNG RUS2000IDX 92206C664   326,306 4,527 SH   SOLE   0 0 4,527
DISNET WALT CO COM 254687106   321,718 3,213 SH   SOLE   0 0 3,213
GE HEALTHCARE TECHNOLOGIES 1 COMMON STOCK 36266G107   316,472 3,858 SH   SOLE   0 0 3,858
UBER TECHNOLOGIES INC COM 90353T100   313,830 9,900 SH   SOLE   0 0 9,900
PVH CORPORATION COM 693656100   300,113 3,366 SH   SOLE   0 0 3,366
MERCK & CO INC COM 58933Y105   289,338 2,720 SH   SOLE   0 0 2,720
PROCTOR AND GAMBLE CO COM 742718109   282,957 1,903 SH   SOLE   0 0 1,903
SPDR SER TR PRTFLO S&P500 GW 78464A409   261,454 4,723 SH   SOLE   0 0 4,723
EQUITABLE HLDGS INC COM 29452E101   250,777 9,877 SH   SOLE   0 0 9,877
JPMORGAN CHASE & CO COM 46625H100   226,739 1,740 SH   SOLE   0 0 1,740
INTEL CORP COM 458140100   217,942 6,671 SH   SOLE   0 0 6,671
ISHARES TR ISHARES BIOTECH 464287556   200,327 1,551 SH   SOLE   0 0 1,551
ING GROEP N.V. SPONSORED ADR 456837103   146,001 12,300 SH   SOLE   0 0 12,300