Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHX	Schwab U.S. Large-Cap ETF	455,233	$29.25M	17.7%	$52.58	—	US LRG CAP ETF	808524201
SCHA	Schwab U.S. Small-Cap ETF	161,146	$7.646M	4.6%	$46.20	—	US SML CAP ETF	808524607
SCHF	Schwab International Equity ETF	188,384	$7.238M	4.4%	$35.92	—	INTL EQTY ETF	808524805
—	UnitedHealth Group Inc.	13,344	$6.796M	4.1%	$510.33	—	COM	910581107
MSFT	Microsoft Corp	14,175	$6.336M	3.8%	$289.10	+44.3%	COM	594918104
JPM	JP Morgan Chase & Co.	27,312	$5.524M	3.4%	$133.23	+42.0%	COM	46625H100
AAPL	Apple Inc.	17,136	$3.609M	2.2%	$162.63	+13.8%	COM	037833100
SCHG	Schwab U.S. Large-Cap Growth ETF	31,234	$3.15M	1.9%	$67.86	—	US LCAP GR ETF	808524300
PEP	Pepsico Inc.	16,445	$2.712M	1.6%	$148.59	+9.2%	COM	713448108
HD	Home Depot	6,936	$2.388M	1.4%	$313.18	+4.6%	COM	437076102
SCHM	Schwab U.S. Mid-Cap ETF	25,266	$1.966M	1.2%	$70.63	—	US MID-CAP ETF	808524508
IWM	iShares Russell 2000 Index	9,638	$1.955M	1.2%	$194.20	—	RUSSELL 2000 ETF	464287655
ABBV	AbbVie Inc.	11,397	$1.955M	1.2%	$126.52	+24.2%	COM	00287Y109
AFL	Aflac Inc	19,441	$1.736M	1.1%	$57.30	+45.0%	COM	001055102
EFA	IShares MSCI EAFE Index	20,869	$1.635M	1.0%	$73.45	—	MSCI EAFE ETF	464287465
RTX	Raytheon Technologies Corp.	15,665	$1.573M	1.0%	$85.96	+16.5%	COM	75513E101
INTC	Intel Corp	50,252	$1.556M	0.9%	$45.90	-29.2%	COM	458140100
CVX	Chevron Corporation	9,893	$1.547M	0.9%	$123.91	+19.8%	COM	166764100
HPQ	HP Inc.	43,067	$1.508M	0.9%	$32.05	-7.3%	COM	40434L105
PFE	Pfizer Inc.	52,012	$1.455M	0.9%	$41.82	-40.8%	COM	717081103
GE	GE Aerospace	9,034	$1.436M	0.9%	$157.95	0.0%	COM NEW	369604301
XOM	Exxon Mobil Corporation	12,379	$1.425M	0.9%	$69.60	+58.2%	COM	30231G102
KMB	Kimberly-Clark Corp	10,062	$1.391M	0.8%	$114.07	+9.8%	COM	494368103
VDE	Vanguard Energy Sector ETF	10,411	$1.328M	0.8%	$107.24	—	ENERGY ETF	92204A306
IBM	International Business Machines	7,661	$1.325M	0.8%	$112.54	+47.4%	COM	459200101
BRK/B	Berkshire Hathaway Cl. B	3,221	$1.31M	0.8%	$321.31	+27.2%	CL B NEW	084670702
IVV	iShares S&P 500 Index	2,363	$1.293M	0.8%	$391.00	—	CORE S&P500 ETF	464287200
LLY	Lilly (Eli) & C.	1,422	$1.287M	0.8%	$264.47	+199.1%	COM	532457108
JNJ	Johnson & Johnson	8,559	$1.251M	0.8%	$152.33	-7.1%	COM	478160104
PG	Procter & Gamble Co.	7,381	$1.217M	0.7%	$141.44	+11.1%	COM	742718109
AMGN	Amgen Incorporated	3,858	$1.205M	0.7%	$207.57	+34.6%	COM	031162100
—	Bank of America Corp	29,789	$1.185M	0.7%	$41.34	—	COM	06605F102
NOC	Northrop Grumman Corp	2,690	$1.173M	0.7%	$387.65	+14.5%	COM	666807102
ABT	Abbott Laboratories	10,952	$1.138M	0.7%	$115.36	-10.8%	COM	002824100
QCOM	QUALCOMM Inc.	5,590	$1.113M	0.7%	$149.54	+22.0%	COM	747525103
MCD	McDonalds Corp	4,303	$1.097M	0.7%	$227.70	+12.0%	COM	580135101
VZ	Verizon Communications	25,952	$1.07M	0.6%	$40.20	-9.3%	COM	92343V104
SCHE	Schwab Emerging Markets Equity ETF	39,496	$1.049M	0.6%	$27.50	—	EMRG MKTEQ ETF	808524706
MRK	Merck & Company Inc	8,420	$1.042M	0.6%	$71.03	+71.4%	COM	58933Y105
XLK	Technology Select Sector SPDR ETF	4,510	$1.02M	0.6%	$159.65	—	TECHNOLOGY	81369Y803
SCHV	Schwab U.S. Large-Cap Value ETF	12,920	$957K	0.6%	$70.42	—	US LCAP VA ETF	808524409
HPE	Hewlett Packard Enterprises	43,562	$922K	0.6%	$14.96	+17.8%	COM	42824C109
VUG	Vanguard Growth ETF	2,394	$895K	0.5%	$228.22	—	GROWTH ETF	922908736
NSC	Norfolk Southern Corp	4,079	$876K	0.5%	$252.93	-11.4%	COM	655844108
AVGO	Broadcom Inc.	538	$864K	0.5%	$52.23	+163.6%	COM	11135F101
ADM	Archer-Daniels-Midland Co	14,280	$863K	0.5%	$70.01	-17.6%	COM	039483102
CSCO	Cisco Systems Inc.	17,317	$823K	0.5%	$48.73	-7.1%	COM	17275R102
VV	Vanguard Large Cap ETF	3,240	$809K	0.5%	$176.22	—	LARGE CAP ETF	922908637
—	AT&T Inc.	42,312	$809K	0.5%	$22.94	—	COM	001957109
TXN	Texas Instruments, Inc.	4,117	$801K	0.5%	$157.11	+12.1%	COM	882508104
HON	Honeywell International Inc.	3,739	$798K	0.5%	$170.35	+7.9%	COM	438516106
ITW	Illinois Tool Works	3,367	$798K	0.5%	$200.73	+18.0%	COM	452308109
QQQ	Invesco QQQ Trust	1,634	$783K	0.5%	$280.12	—	UNIT SER 1	46090E103
MPC	Marathon Petroleum Corp.	4,506	$782K	0.5%	$71.68	+150.5%	COM	56585A102
GOOGL	Alphabet Inc. Cl. A	4,262	$776K	0.5%	$110.47	+51.5%	CAP STK CL A	02079K305
WMT	Wal-Mart Stores Inc	11,203	$759K	0.5%	$52.23	+18.6%	COM	931142103
RS	Reliance Steel & &Aluminum Co.	2,505	$715K	0.4%	$186.65	+61.4%	COM	759509102
LHX	L3Harris Technologies Inc.	3,068	$689K	0.4%	$214.65	-2.5%	COM	502431109
GS	Goldman Sachs	1,479	$669K	0.4%	$319.80	+32.5%	COM	38141G104
BA	Boeing Co	3,631	$661K	0.4%	$189.00	-5.7%	COM	097023105
MCK	McKesson Corporation	1,126	$658K	0.4%	$270.63	+104.2%	COM	58155Q103
AMAT	Applied Materials	2,744	$648K	0.4%	$124.16	+70.3%	COM	038222105
CAT	Caterpillar Inc	1,931	$643K	0.4%	$194.92	+73.8%	COM	149123101
EFX	Equifax Inc.	2,620	$635K	0.4%	$194.71	+21.1%	COM	294429105
BMY	Bristol-Myers Squibb Co	14,935	$620K	0.4%	$57.91	-29.2%	COM	110122108
AXP	American Express Company	2,675	$619K	0.4%	$166.22	+36.8%	COM	025816109
XLY	Consumer Discretionery SPDR ETF	3,350	$611K	0.4%	$137.61	—	SBI CONS DISCR	81369Y407
STZ	Constellation Brands Cl. A	2,358	$607K	0.4%	$215.98	+15.0%	COM	21036P108
WFC	Wells Fargo	9,758	$580K	0.4%	$43.38	+31.1%	COM	949746101
NVDA	NVIDIA Corp.	4,661	$576K	0.3%	$94.09	+7.4%	COM	67066G104
DIS	Disney (Walt) Co	5,739	$570K	0.3%	$127.67	-17.4%	COM	254687106
SCHW	Charles Schwab Corp.	7,708	$568K	0.3%	$82.31	-12.1%	COM	808513105
IJH	iShares Core S&P Mid-Cap ETF	9,649	$565K	0.3%	$93.90	—	CORE S&P MCP ETF	464287507
SPY	SPDR S&P 500 ETF	1,006	$547K	0.3%	$447.32	—	TR UNIT	78462F103
VBK	Vanguard Small-Cap Growth ETF	2,135	$534K	0.3%	$248.45	—	SML CP GRW ETF	922908595
COP	ConocoPhillips	4,617	$528K	0.3%	$79.66	+44.8%	COM	20825C104
DE	Deere & Co.	1,365	$510K	0.3%	$360.63	+5.5%	COM	244199105
ADI	Analog Devices	2,229	$509K	0.3%	$152.36	+36.3%	COM	032654105
MSI	Motorola Solutions Inc.	1,229	$474K	0.3%	$221.78	+59.9%	COM	620076307
EFG	iShares MSCI EAFE Growth Index	4,537	$464K	0.3%	$81.47	—	EAFE GRWTH ETF	464288885
PSX	Phillips 66	3,249	$459K	0.3%	$73.29	+90.5%	COM	718546104
TJX	TJX Companies	4,146	$456K	0.3%	$64.06	+54.0%	COM	872540109
ADP	Automatic Data Processing	1,894	$452K	0.3%	$199.29	+18.7%	COM	053015103
VO	Vanguard Mid-Cap ETF	1,839	$445K	0.3%	$221.66	—	MID CAP ETF	922908629
IWO	iShares Russell 2000 Growth Index	1,694	$445K	0.3%	$253.84	—	RUS 2000 GRW ETF	464287648
VTRS	Viatris Inc.	41,813	$444K	0.3%	$11.05	-7.4%	COM	92556V106
DIA	SPDR Dow Jones Industrial Avg. ETF	1,133	$443K	0.3%	$344.22	—	UT SER 1	78467X109
VHT	Vanguard Health Care Sector ETF	1,654	$440K	0.3%	$252.61	—	HEALTH CAR ETF	92204A504
—	Medtronic Inc	5,488	$432K	0.3%	$110.33	—	COM	585055106
APH	Amphenol Corp	6,338	$427K	0.3%	$47.24	+31.7%	CL A	032095101
CARR	Carrier Global Corp.	6,714	$424K	0.3%	$44.54	+35.2%	COM	14448C104
NEE	NextEra Energy	5,958	$422K	0.3%	$70.23	-3.7%	COM	65339F101
WTM	White Mountain Insurance Group Ltd.	232	$422K	0.3%	$1166.56	+51.6%	COM	G9618E107
OXY	Occidental Petroleum	6,622	$417K	0.3%	$41.76	+48.5%	COM	674599105
KMPR	Kemper Corporation	7,010	$416K	0.3%	$55.48	+5.8%	COM	488401100
SCZ	iShares MSCI EAFE Small Cap Index	6,645	$410K	0.2%	$65.42	—	EAFE SML CP ETF	464288273
IYH	iShares Dow Jones U.S. Healthcare Sector Index	6,540	$401K	0.2%	$103.32	—	US HLTHCARE ETF	464287762
TRV	Travelers Companies	1,963	$399K	0.2%	$158.85	+31.5%	COM	89417E109
CVS	CVS Health Corp.	6,621	$391K	0.2%	$91.01	-35.7%	COM	126650100
GOOG	Alphabet Inc. Cl. C	2,131	$391K	0.2%	$95.84	+76.2%	CAP STK CL C	02079K107
SYK	Stryker Corp.	1,130	$384K	0.2%	$239.62	+39.1%	COM	863667101
CMCSA	Comcast Corporation Class A	9,757	$382K	0.2%	$41.51	-10.6%	CL A	20030N101
GEV	GE Vernova Inc	2,219	$381K	0.2%	$158.10	0.0%	COM	36828A101
ETN	Eaton Corp.	1,201	$377K	0.2%	$146.94	+115.9%	SHS	G29183103
AVY	Avery Dennison Corp	1,690	$370K	0.2%	$173.42	+23.9%	COM	053611109
CEG	Constellation Energy Corp.	1,845	$369K	0.2%	$101.44	+99.1%	COM	21037T109
ORCL	Oracle Corporation	2,589	$366K	0.2%	$73.82	+65.7%	COM	68389X105
VBR	Vanguard Small Cap Value ETF	1,998	$365K	0.2%	$175.18	—	SM CP VAL ETF	922908611
A	Agilent Technologies	2,756	$357K	0.2%	$133.14	+3.8%	COM	00846U101
IFF	International Flavors and Fragrances	3,693	$352K	0.2%	$110.71	-20.1%	COM	459506101
—	Liberty Formula One Group	5,333	$343K	0.2%	$57.90	—	COM SER A FRMLA	531229870
SYY	Sysco Corp.	4,470	$319K	0.2%	$71.39	-0.3%	COM	871829107
—	Kellanova Company	5,509	$318K	0.2%	$52.56	+6.9%	COM	487836108
APD	Air Products & Chemicals	1,202	$310K	0.2%	$233.05	+4.0%	COM	009158106
DOW	Dow Inc.	5,610	$298K	0.2%	$48.62	+5.3%	COM	260557103
ALL	Allstate Corporation	1,863	$297K	0.2%	$114.28	+41.3%	COM	020002101
EMXC	iShares MSCI Emerging Markets ex-China	4,959	$294K	0.2%	$48.19	—	MSCI EMRG CHN	46434G764
VEA	Vanguard FTSE Developed Markets ETF	5,700	$282K	0.2%	$36.32	—	VAN FTSE DEV MKT	921943858
KO	Coca-Cola Company	4,350	$277K	0.2%	$54.06	+8.9%	COM	191216100
CAH	Cardinal Health Inc.	2,671	$263K	0.2%	$71.56	+38.7%	COM	14149Y108
LOW	Lowes Co Inc	1,188	$262K	0.2%	$179.56	+23.3%	COM	548661107
CNP	Centerpoint Energy	8,434	$261K	0.2%	$25.42	+11.4%	COM	15189T107
GPN	Global Payments Inc.	2,702	$261K	0.2%	$134.53	-19.6%	COM	37940X102
DD	DuPont de Nemours Inc.	3,209	$258K	0.2%	$25.00	+26.3%	COM	26614N102
SO	Southern Company	3,223	$250K	0.2%	$58.69	+22.3%	COM	842587107
KEYS	Keysight Technologies	1,826	$250K	0.2%	$166.57	-12.3%	COM	49338L103
ACN	Accenture Ltd.	822	$249K	0.2%	$318.52	-6.0%	SHS CLASS A	G1151C101
VIS	Vanguard Industrial Sector ETF	1,030	$242K	0.1%	$205.53	—	INDUSTRIAL ETF	92204A603
VLO	Valero Energy Corp.	1,515	$237K	0.1%	$122.12	+25.7%	COM	91913Y100
GEHC	GE Healthcare Technologies Inc.	3,021	$235K	0.1%	$71.58	+13.7%	COMMON STOCK	36266G107
WY	Weyerhaeuser Corp.	8,259	$234K	0.1%	$33.56	-12.4%	COM NEW	962166104
TT	Trane Technologies plc	700	$230K	0.1%	$267.07	+17.5%	SHS	G8994E103
UNP	Union Pacific Corp.	1,002	$227K	0.1%	$224.04	+0.7%	COM	907818108
GD	General Dynamics Corp.	776	$225K	0.1%	$234.24	+21.3%	COM	369550108
PCG	PG&E Corp	12,839	$224K	0.1%	$11.76	+48.1%	COM	69331C108
XLF	Financial Select Sector SPDR ETF	5,400	$222K	0.1%	$37.60	—	FINANCIAL	81369Y605
AMZN	Amazon.com Inc	1,141	$220K	0.1%	$166.93	+10.1%	COM	023135106
IWB	Ishares Russell 1000 ETF	734	$219K	0.1%	$288.17	—	RUS 1000 ETF	464287622
IYG	iShares Dow Jones U.S. Financial Services Index	3,345	$218K	0.1%	$66.30	—	U.S. FIN SVC ETF	464287770
D	Dominion Energy Inc.	4,426	$217K	0.1%	$42.64	+10.5%	COM	25746U109
SYF	Synchrony Financial	4,501	$212K	0.1%	$38.44	+9.6%	COM	87165B103
—	Laboratory Corp. of America	1,040	$212K	0.1%	$225.85	—	COM NEW	50540R409
COST	Costco Wholesale Corp.	240	$204K	0.1%	$773.82	0.0%	COM	22160K105
HXL	Hexcel Corp.	3,241	$202K	0.1%	$54.95	+22.0%	COM	428291108
IWN	iShares Russell 2000 Value Index	1,325	$202K	0.1%	$155.33	—	RUS 2000 VAL ETF	464287630
CTVA	Corteva Inc.	3,729	$201K	0.1%	$50.60	+6.9%	COM	22052L104
GT	Goodyear Tire & Rubber Co	15,872	$180K	0.1%	$15.70	-22.1%	COM	382550101
—	Hanes Brands	19,394	$95,612	0.1%	$12.16	—	COM	410345102