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
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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   3,217,182 33,218 SH   SOLE   0 0 33,218
ABBVIE INC COM 00287Y109   2,647,346 17,760 SH   SOLE   0 0 17,760
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   3,767,581 12,268 SH   SOLE   0 0 12,268
ADOBE INC COM 00724F101   2,295,570 4,502 SH   SOLE   0 0 4,502
ADVANCE AUTO PARTS INC COM 00751Y106   1,010,601 18,069 SH   SOLE   0 0 18,069
AFLAC INC COM 001055102   518,523 6,756 SH   SOLE   0 0 6,756
ALPHABET INC CAP STK CL A 02079K305   8,668,690 66,244 SH   SOLE   0 0 66,244
ALPHABET INC CAP STK CL C 02079K107   971,471 7,368 SH   SOLE   0 0 7,368
AMAZON COM INC COM 023135106   887,298 6,980 SH   SOLE   0 0 6,980
AMERICAN TOWER CORP NEW COM 03027X100   271,836 1,653 SH   SOLE   0 0 1,653
AMGEN INC COM 031162100   3,745,984 13,938 SH   SOLE   0 0 13,938
APPLE INC COM 037833100   15,695,533 91,674 SH   SOLE   0 0 91,674
AUTOMATIC DATA PROCESSING IN COM 053015103   3,581,200 14,886 SH   SOLE   0 0 14,886
BECTON DICKINSON & CO COM 075887109   268,872 1,040 SH   SOLE   0 0 1,040
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   4,802,964 13,711 SH   SOLE   0 0 13,711
BLACKSTONE SECD LENDING FD COMMON STOCK 09261X102   273,409 9,993 SH   SOLE   0 0 9,993
BORGWARNER INC COM 099724106   3,755,076 93,016 SH   SOLE   0 0 93,016
BROADCOM INC COM 11135F101   5,284,258 6,362 SH   SOLE   0 0 6,362
CHEVRON CORP NEW COM 166764100   672,441 3,988 SH   SOLE   0 0 3,988
CINCINNATI FINL CORP COM 172062101   467,568 4,571 SH   SOLE   0 0 4,571
CISCO SYS INC COM 17275R102   424,407 7,894 SH   SOLE   0 0 7,894
CITIZENS FINL GROUP INC COM 174610105   2,109,439 78,710 SH   SOLE   0 0 78,710
COCA COLA CO COM 191216100   372,956 6,662 SH   SOLE   0 0 6,662
COMCAST CORP NEW CL A 20030N101   4,046,787 91,267 SH   SOLE   0 0 91,267
COSTCO WHSL CORP NEW COM 22160K105   437,844 775 SH   SOLE   0 0 775
CROWN CASTLE INC COM 22822V101   2,857,137 31,046 SH   SOLE   0 0 31,046
CVS HEALTH CORP COM 126650100   2,802,845 40,144 SH   SOLE   0 0 40,144
DANAHER CORPORATION COM 235851102   300,201 1,210 SH   SOLE   0 0 1,210
DEERE & CO COM 244199105   242,656 643 SH   SOLE   0 0 643
DIAGEO PLC SPON ADR NEW 25243Q205   2,533,606 16,984 SH   SOLE   0 0 16,984
DISNEY WALT CO COM 254687106   375,424 4,632 SH   SOLE   0 0 4,632
DOMINION ENERGY INC COM 25746U109   923,799 20,681 SH   SOLE   0 0 20,681
DOW INC COM 260557103   2,252,528 43,687 SH   SOLE   0 0 43,687
DUKE ENERGY CORP NEW COM NEW 26441C204   227,735 2,580 SH   SOLE   0 0 2,580
EDWARDS LIFESCIENCES CORP COM 28176E108   239,363 3,455 SH   SOLE   0 0 3,455
ELI LILLY & CO COM 532457108   379,214 706 SH   SOLE   0 0 706
EOG RES INC COM 26875P101   2,822,792 22,269 SH   SOLE   0 0 22,269
EXXON MOBIL CORP COM 30231G102   797,003 6,778 SH   SOLE   0 0 6,778
FISERV INC COM 337738108   3,291,542 29,139 SH   SOLE   0 0 29,139
HARTFORD FINL SVCS GROUP INC COM 416515104   264,778 3,734 SH   SOLE   0 0 3,734
HERSHEY CO COM 427866108   424,970 2,124 SH   SOLE   0 0 2,124
HILLENBRAND INC COM 431571108   917,535 21,686 SH   SOLE   0 0 21,686
HOME DEPOT INC COM 437076102   3,934,674 13,022 SH   SOLE   0 0 13,022
HONEYWELL INTL INC COM 438516106   326,806 1,769 SH   SOLE   0 0 1,769
ILLINOIS TOOL WKS INC COM 452308109   3,800,855 16,503 SH   SOLE   0 0 16,503
INNOVATOR ETFS TR US EQTY PWR BUF 45782C540   1,944,901 60,102 SH   SOLE   0 0 60,102
INTUIT COM 461202103   451,161 883 SH   SOLE   0 0 883
INVESCO QQQ TR UNIT SER 1 46090E103   223,919 625 SH   SOLE   0 0 625
ISHARES GOLD TR ISHARES NEW 464285204   527,825 15,085 SH   SOLE   0 0 15,085
ISHARES INC MSCI EMRG CHN 46434G764   568,810 11,415 SH   SOLE   0 0 11,415
ISHARES TR CORE S&P MCP ETF 464287507   18,557,179 74,422 SH   SOLE   0 0 74,422
ISHARES TR CORE S&P500 ETF 464287200   1,317,492 3,068 SH   SOLE   0 0 3,068
ISHARES TR NATIONAL MUN ETF 464288414   650,617 6,345 SH   SOLE   0 0 6,345
ISHARES TR MSCI EAFE ETF 464287465   362,864 5,265 SH   SOLE   0 0 5,265
ISHARES TR CORE S&P SCP ETF 464287804   343,362 3,640 SH   SOLE   0 0 3,640
ISHARES TR ISHS 1-5YR INVS 464288646   246,369 4,944 SH   SOLE   0 0 4,944
ISHARES TR CORE MSCI EAFE 46432F842   240,476 3,737 SH   SOLE   0 0 3,737
ISHARES TR RUSSELL 2000 ETF 464287655   235,948 1,335 SH   SOLE   0 0 1,335
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   10,180,705 202,884 SH   SOLE   0 0 202,884
JOHNSON & JOHNSON COM 478160104   2,887,632 18,540 SH   SOLE   0 0 18,540
JPMORGAN CHASE & CO COM 46625H100   5,267,661 36,324 SH   SOLE   0 0 36,324
KEURIG DR PEPPER INC COM 49271V100   2,206,775 69,901 SH   SOLE   0 0 69,901
LOWES COS INC COM 548661107   681,092 3,277 SH   SOLE   0 0 3,277
MASTERCARD INCORPORATED CL A 57636Q104   349,985 884 SH   SOLE   0 0 884
MCDONALDS CORP COM 580135101   238,428 905 SH   SOLE   0 0 905
MDU RES GROUP INC COM 552690109   195,800 10,000 SH   SOLE   0 0 10,000
MERCK & CO INC COM 58933Y105   4,205,185 40,847 SH   SOLE   0 0 40,847
MICROSOFT CORP COM 594918104   13,454,712 42,612 SH   SOLE   0 0 42,612
NETFLIX INC COM 64110L106   239,776 635 SH   SOLE   0 0 635
NEXTERA ENERGY INC COM 65339F101   400,286 6,987 SH   SOLE   0 0 6,987
NORFOLK SOUTHN CORP COM 655844108   397,327 2,018 SH   SOLE   0 0 2,018
NORTHROP GRUMMAN CORP COM 666807102   2,988,806 6,790 SH   SOLE   0 0 6,790
OAKTREE SPECIALTY LENDING CO COM 67401P405   236,551 11,757 SH   SOLE   0 0 11,757
PAYPAL HLDGS INC COM 70450Y103   1,939,177 33,171 SH   SOLE   0 0 33,171
PEPSICO INC COM 713448108   799,321 4,717 SH   SOLE   0 0 4,717
PFIZER INC COM 717081103   237,854 7,171 SH   SOLE   0 0 7,171
PHINIA INC COMMON STOCK 71880K101   470,488 17,562 SH   SOLE   0 0 17,562
PRICE T ROWE GROUP INC COM 74144T108   2,086,211 19,893 SH   SOLE   0 0 19,893
PROCTER AND GAMBLE CO COM 742718109   3,877,466 26,583 SH   SOLE   0 0 26,583
QUALCOMM INC COM 747525103   4,272,371 38,469 SH   SOLE   0 0 38,469
RTX CORPORATION COM 75513E101   223,036 3,099 SH   SOLE   0 0 3,099
SCHWAB CHARLES CORP COM 808513105   2,414,335 43,977 SH   SOLE   0 0 43,977
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   7,363,605 147,715 SH   SOLE   0 0 147,715
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   5,027,395 103,679 SH   SOLE   0 0 103,679
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   1,741,373 53,996 SH   SOLE   0 0 53,996
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,514,275 44,590 SH   SOLE   0 0 44,590
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   514,125 21,476 SH   SOLE   0 0 21,476
SHELL PLC SPON ADS 780259305   2,543,557 39,508 SH   SOLE   0 0 39,508
SIMON PPTY GROUP INC NEW COM 828806109   213,360 1,975 SH   SOLE   0 0 1,975
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,780,455 4,165 SH   SOLE   0 0 4,165
STARBUCKS CORP COM 855244109   401,296 4,397 SH   SOLE   0 0 4,397
TARGET CORP COM 87612E106   1,868,786 16,901 SH   SOLE   0 0 16,901
THE CIGNA GROUP COM 125523100   435,971 1,524 SH   SOLE   0 0 1,524
THERMO FISHER SCIENTIFIC INC COM 883556102   3,738,517 7,386 SH   SOLE   0 0 7,386
THOMSON REUTERS CORP. COM 884903808   245,986 2,011 SH   SOLE   0 0 2,011
TJX COS INC NEW COM 872540109   3,962,009 44,577 SH   SOLE   0 0 44,577
TRANE TECHNOLOGIES PLC SHS G8994E103   5,253,480 25,891 SH   SOLE   0 0 25,891
UNION PAC CORP COM 907818108   223,586 1,098 SH   SOLE   0 0 1,098
UNITED PARCEL SERVICE INC CL B 911312106   3,659,871 23,480 SH   SOLE   0 0 23,480
UNITEDHEALTH GROUP INC COM 91324P102   548,559 1,088 SH   SOLE   0 0 1,088
US BANCORP DEL COM NEW 902973304   880,653 26,638 SH   SOLE   0 0 26,638
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,820,558 4,636 SH   SOLE   0 0 4,636
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   257,119 3,398 SH   SOLE   0 0 3,398
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,375,396 18,302 SH   SOLE   0 0 18,302
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   712,085 9,372 SH   SOLE   0 0 9,372
VERIZON COMMUNICATIONS INC COM 92343V104   3,028,977 93,458 SH   SOLE   0 0 93,458
VISA INC COM CL A 92826C839   2,584,062 11,235 SH   SOLE   0 0 11,235
WALMART INC COM 931142103   4,267,112 26,681 SH   SOLE   0 0 26,681
WASTE MGMT INC DEL COM 94106L109   353,661 2,320 SH   SOLE   0 0 2,320
WILLIAMS COS INC COM 969457100   4,875,437 144,715 SH   SOLE   0 0 144,715
WP CAREY INC COM 92936U109   1,315,557 24,326 SH   SOLE   0 0 24,326
ZIMMER BIOMET HOLDINGS INC COM 98956P102   233,755 2,083 SH   SOLE   0 0 2,083