Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHX	Schwab U.S. Large-Cap ETF	1,372,991	$31.83M	18.4%	$32.88	—	US LRG CAP ETF	808524201
SCHA	Schwab U.S. Small-Cap ETF	325,496	$8.417M	4.9%	$35.95	—	US SML CAP ETF	808524607
SCHF	Schwab International Equity ETF	384,894	$7.121M	4.1%	$27.21	—	INTL EQTY ETF	808524805
JPM	JP Morgan Chase & Co.	26,449	$6.34M	3.7%	$133.23	+71.2%	COM	46625H100
—	UnitedHealth Group Inc.	12,419	$6.283M	3.6%	$510.33	—	COM	910581107
MSFT	Microsoft Corp	14,113	$5.949M	3.4%	$289.10	+46.1%	COM	594918104
AAPL	Apple Inc.	16,643	$4.168M	2.4%	$162.63	+44.2%	COM	037833100
SCHG	Schwab U.S. Large-Cap Growth ETF	126,237	$3.518M	2.0%	$37.81	—	US LCAP GR ETF	808524300
PEP	Pepsico Inc.	16,441	$2.5M	1.4%	$148.59	+5.4%	COM	713448108
HD	Home Depot	6,351	$2.47M	1.4%	$313.18	+26.8%	COM	437076102
SCHM	Schwab U.S. Mid-Cap ETF	79,013	$2.189M	1.3%	$41.89	—	US MID-CAP ETF	808524508
IWM	iShares Russell 2000 Index	9,638	$2.13M	1.2%	$194.20	—	RUSSELL 2000 ETF	464287655
ABBV	AbbVie Inc.	11,386	$2.023M	1.2%	$126.52	+40.2%	COM	00287Y109
AFL	Aflac Inc	18,055	$1.868M	1.1%	$57.30	+85.7%	COM	001055102
RTX	RTX Corp.	15,608	$1.806M	1.0%	$85.96	+37.6%	COM	75513E101
EFA	IShares MSCI EAFE Index	20,869	$1.578M	0.9%	$73.45	—	MSCI EAFE ETF	464287465
—	GE Aerospace	8,909	$1.486M	0.9%	$188.58	—	COM NEW	369604103
IBM	International Business Machines	6,673	$1.467M	0.8%	$112.54	+92.2%	COM	459200101
CVX	Chevron Corporation	10,093	$1.462M	0.8%	$124.46	+16.9%	COM	166764100
AVGO	Broadcom Inc.	6,181	$1.433M	0.8%	$149.76	+22.1%	COM	11135F101
HPQ	HP Inc.	42,984	$1.403M	0.8%	$32.05	+6.7%	COM	40434L105
IVV	iShares S&P 500 Index	2,363	$1.391M	0.8%	$391.00	—	CORE S&P500 ETF	464287200
PFE	Pfizer Inc.	51,368	$1.363M	0.8%	$41.82	-39.9%	COM	717081103
XOM	Exxon Mobil Corporation	12,368	$1.33M	0.8%	$69.60	+61.4%	COM	30231G102
KMB	Kimberly-Clark Corp	10,062	$1.318M	0.8%	$114.07	+14.1%	COM	494368103
—	Bank of America Corp	29,419	$1.293M	0.7%	$41.34	—	COM	06605F102
NOC	Northrop Grumman Corp	2,690	$1.262M	0.7%	$387.65	+27.2%	COM	666807102
VDE	Vanguard Energy Sector ETF	10,386	$1.26M	0.7%	$107.24	—	ENERGY ETF	92204A306
ABT	Abbott Laboratories	10,952	$1.239M	0.7%	$115.36	-1.8%	COM	002824100
JNJ	Johnson & Johnson	8,559	$1.238M	0.7%	$152.33	-1.8%	COM	478160104
MCD	McDonalds Corp	4,180	$1.212M	0.7%	$227.70	+27.5%	COM	580135101
SCHE	Schwab Emerging Markets Equity ETF	43,008	$1.145M	0.7%	$27.61	—	EMRG MKTEQ ETF	808524706
PG	Procter & Gamble Co.	6,689	$1.121M	0.6%	$141.44	+17.2%	COM	742718109
VUG	Vanguard Growth ETF	2,670	$1.096M	0.6%	$246.80	—	GROWTH ETF	922908736
LLY	Lilly (Eli) & C.	1,409	$1.088M	0.6%	$264.47	+210.5%	COM	532457108
VV	Vanguard Large Cap ETF	3,970	$1.071M	0.6%	$193.41	—	LARGE CAP ETF	922908637
BRK/B	Berkshire Hathaway Cl. B	2,356	$1.068M	0.6%	$321.31	+43.7%	CL B NEW	084670702
XLK	Technology Select Sector SPDR ETF	4,510	$1.049M	0.6%	$159.65	—	TECHNOLOGY	81369Y803
—	AT&T Inc.	45,523	$1.037M	0.6%	$22.88	—	COM	001957109
VZ	Verizon Communications	25,837	$1.033M	0.6%	$40.20	-2.0%	COM	92343V104
SCHV	Schwab U.S. Large-Cap Value ETF	39,585	$1.032M	0.6%	$40.92	—	US LCAP VA ETF	808524409
CSCO	Cisco Systems Inc.	17,210	$1.019M	0.6%	$48.73	+13.6%	COM	17275R102
AMGN	Amgen Incorporated	3,824	$997K	0.6%	$207.57	+37.8%	COM	031162100
INTC	Intel Corp	47,258	$948K	0.5%	$45.90	-50.9%	COM	458140100
HPE	Hewlett Packard Enterprises	43,432	$927K	0.5%	$14.96	+36.7%	COM	42824C109
GOOGL	Alphabet Inc. Cl. A	4,745	$898K	0.5%	$115.99	+50.1%	CAP STK CL A	02079K305
QCOM	QUALCOMM Inc.	5,656	$869K	0.5%	$149.77	+6.5%	COM	747525103
WMT	Wal-Mart Stores Inc	9,605	$868K	0.5%	$52.23	+64.3%	COM	931142103
NSC	Norfolk Southern Corp	3,697	$868K	0.5%	$252.93	-1.8%	COM	655844108
HON	Honeywell International Inc.	3,739	$845K	0.5%	$170.35	+19.5%	COM	438516106
BMY	Bristol-Myers Squibb Co	14,915	$844K	0.5%	$57.91	-9.2%	COM	110122108
ITW	Illinois Tool Works	3,321	$842K	0.5%	$200.73	+28.2%	COM	452308109
MRK	Merck & Company Inc	8,420	$838K	0.5%	$71.03	+39.0%	COM	58933Y105
QQQ	Invesco QQQ Trust	1,521	$778K	0.5%	$280.12	—	UNIT SER 1	46090E103
AXP	American Express Company	2,536	$753K	0.4%	$166.22	+70.6%	COM	025816109
XLY	Consumer Discretionery SPDR ETF	3,350	$752K	0.4%	$137.61	—	SBI CONS DISCR	81369Y407
GS	Goldman Sachs	1,295	$742K	0.4%	$319.80	+70.4%	COM	38141G104
ADM	Archer-Daniels-Midland Co	14,649	$740K	0.4%	$69.69	-25.7%	COM	039483102
TXN	Texas Instruments, Inc.	3,643	$683K	0.4%	$157.11	+22.9%	COM	882508104
WFC	Wells Fargo	9,691	$681K	0.4%	$43.38	+53.7%	COM	949746101
VHT	Vanguard Health Care Sector ETF	2,677	$679K	0.4%	$253.27	—	HEALTH CAR ETF	92204A504
VTRS	Viatris Inc.	53,494	$666K	0.4%	$11.18	+4.1%	COM	92556V106
RS	Reliance Steel & &Aluminum Co.	2,471	$665K	0.4%	$186.65	+58.9%	COM	759509102
EFX	Equifax Inc.	2,590	$660K	0.4%	$194.71	+36.4%	COM	294429105
DIS	Disney (Walt) Co	5,831	$649K	0.4%	$127.08	-18.5%	COM	254687106
LHX	L3Harris Technologies Inc.	3,068	$645K	0.4%	$214.65	+9.3%	COM	502431109
BA	Boeing Co	3,582	$634K	0.4%	$189.00	-17.0%	COM	097023105
MPC	Marathon Petroleum Corp.	4,506	$629K	0.4%	$71.68	+107.6%	COM	56585A102
NVDA	NVIDIA Corp.	4,636	$623K	0.4%	$94.09	+46.4%	COM	67066G104
CAT	Caterpillar Inc	1,709	$620K	0.4%	$194.92	+95.9%	COM	149123101
VBK	Vanguard Small-Cap Growth ETF	2,200	$616K	0.4%	$249.21	—	SML CP GRW ETF	922908595
IJH	iShares Core S&P Mid-Cap ETF	9,646	$601K	0.3%	$93.90	—	CORE S&P MCP ETF	464287507
SPY	SPDR S&P 500 ETF	1,006	$589K	0.3%	$447.32	—	TR UNIT	78462F103
SCHW	Charles Schwab Corp.	7,708	$570K	0.3%	$82.31	-10.3%	COM	808513105
DE	Deere & Co.	1,315	$557K	0.3%	$360.63	+14.8%	COM	244199105
ADP	Automatic Data Processing	1,866	$546K	0.3%	$199.29	+44.5%	COM	053015103
GEV	GE Vernova Inc	1,652	$543K	0.3%	$158.10	+97.3%	COM	36828A101
MSI	Motorola Solutions Inc.	1,173	$542K	0.3%	$221.78	+111.2%	COM	620076307
STZ	Constellation Brands Cl. A	2,358	$521K	0.3%	$215.98	+7.1%	COM	21036P108
SCZ	iShares MSCI EAFE Small Cap Index	8,245	$501K	0.3%	$64.51	—	EAFE SML CP ETF	464288273
COP	ConocoPhillips	4,944	$490K	0.3%	$81.15	+26.1%	COM	20825C104
IWO	iShares Russell 2000 Growth Index	1,694	$488K	0.3%	$253.84	—	RUS 2000 GRW ETF	464287648
VO	Vanguard Mid-Cap ETF	1,839	$486K	0.3%	$221.66	—	MID CAP ETF	922908629
MCK	McKesson Corporation	847	$483K	0.3%	$270.63	+105.9%	COM	58155Q103
DIA	SPDR Dow Jones Industrial Avg. ETF	1,133	$482K	0.3%	$344.22	—	UT SER 1	78467X109
ADI	Analog Devices	2,229	$474K	0.3%	$152.36	+42.3%	COM	032654105
TRV	Travelers Companies	1,963	$473K	0.3%	$158.85	+54.2%	COM	89417E109
CARR	Carrier Global Corp.	6,714	$458K	0.3%	$44.54	+67.0%	COM	14448C104
WTM	White Mountain Insurance Group Ltd.	231	$449K	0.3%	$1166.56	+62.0%	COM	G9618E107
—	Liberty Formula One Group	5,291	$445K	0.3%	$57.90	—	COM SER A FRMLA	531229870
AMAT	Applied Materials	2,701	$439K	0.3%	$124.16	+44.3%	COM	038222105
EFG	iShares MSCI EAFE Growth Index	4,528	$438K	0.3%	$81.47	—	EAFE GRWTH ETF	464288885
—	Medtronic Inc	5,488	$438K	0.3%	$110.33	—	COM	585055106
—	Kellanova Company	5,394	$437K	0.3%	$52.56	+48.7%	COM	487836108
APH	Amphenol Corp	6,287	$437K	0.3%	$47.24	+46.8%	CL A	032095101
TJX	TJX Companies	3,560	$430K	0.2%	$64.06	+83.8%	COM	872540109
NEE	NextEra Energy	5,958	$427K	0.2%	$70.23	+6.8%	COM	65339F101
KMPR	Kemper Corporation	6,310	$419K	0.2%	$55.48	+18.9%	COM	488401100
CEG	Constellation Energy Corp.	1,852	$414K	0.2%	$101.44	+144.2%	COM	21037T109
GOOG	Alphabet Inc. Cl. C	2,131	$406K	0.2%	$95.84	+83.3%	CAP STK CL C	02079K107
VBR	Vanguard Small Cap Value ETF	1,998	$396K	0.2%	$175.18	—	SM CP VAL ETF	922908611
ORCL	Oracle Corporation	2,338	$390K	0.2%	$73.82	+138.2%	COM	68389X105
SYK	Stryker Corp.	1,068	$385K	0.2%	$239.62	+52.9%	COM	863667101
IYH	iShares Dow Jones U.S. Healthcare Sector Index	6,546	$381K	0.2%	$103.32	—	US HLTHCARE ETF	464287762
A	Agilent Technologies	2,756	$370K	0.2%	$133.14	+2.1%	COM	00846U101
PSX	Phillips 66	3,249	$370K	0.2%	$73.29	+66.5%	COM	718546104
CMCSA	Comcast Corporation Class A	9,733	$365K	0.2%	$41.51	-3.7%	CL A	20030N101
SYY	Sysco Corp.	4,482	$343K	0.2%	$71.39	+3.6%	COM	871829107
APD	Air Products & Chemicals	1,174	$341K	0.2%	$233.05	+30.4%	COM	009158106
KEYS	Keysight Technologies	2,036	$327K	0.2%	$164.07	-1.8%	COM	49338L103
ETN	Eaton Corp.	982	$326K	0.2%	$146.94	+136.2%	SHS	G29183103
ALL	Allstate Corporation	1,659	$320K	0.2%	$114.28	+66.1%	COM	020002101
OXY	Occidental Petroleum	6,410	$317K	0.2%	$41.76	+17.9%	COM	674599105
CAH	Cardinal Health Inc.	2,662	$315K	0.2%	$71.56	+60.4%	COM	14149Y108
IFF	International Flavors and Fragrances	3,693	$312K	0.2%	$110.71	-17.4%	COM	459506101
AVY	Avery Dennison Corp	1,648	$308K	0.2%	$173.42	+14.9%	COM	053611109
GPN	Global Payments Inc.	2,702	$303K	0.2%	$134.53	-19.8%	COM	37940X102
CW	Curtiss-Wright Corporation	851	$302K	0.2%	$359.29	0.0%	COM	231561101
LOW	Lowes Co Inc	1,188	$293K	0.2%	$179.56	+45.7%	COM	548661107
CVS	CVS Health Corp.	6,193	$278K	0.2%	$91.01	-41.0%	COM	126650100
EMXC	iShares MSCI Emerging Markets ex-China	4,959	$275K	0.2%	$48.19	—	MSCI EMRG CHN	46434G764
VEA	Vanguard FTSE Developed Markets ETF	5,700	$273K	0.2%	$36.32	—	VAN FTSE DEV MKT	921943858
KO	Coca-Cola Company	4,300	$268K	0.2%	$54.06	+16.7%	COM	191216100
CNP	Centerpoint Energy	8,434	$268K	0.2%	$25.42	+17.9%	COM	15189T107
VIS	Vanguard Industrial Sector ETF	1,030	$262K	0.2%	$205.53	—	INDUSTRIAL ETF	92204A603
XLF	Financial Select Sector SPDR ETF	5,400	$261K	0.2%	$37.60	—	FINANCIAL	81369Y605
IYG	iShares Dow Jones U.S. Financial Services Index	3,345	$260K	0.2%	$66.30	—	U.S. FIN SVC ETF	464287770
SO	Southern Company	3,123	$257K	0.1%	$58.69	+44.0%	COM	842587107
AMZN	Amazon.com Inc	1,141	$250K	0.1%	$166.93	+22.6%	COM	023135106
ACN	Accenture Ltd.	709	$249K	0.1%	$318.52	+11.4%	SHS CLASS A	G1151C101
PCG	PG&E Corp	12,310	$248K	0.1%	$11.76	+71.4%	COM	69331C108
DD	DuPont de Nemours Inc.	3,209	$245K	0.1%	$25.00	+35.4%	COM	26614N102
KMI	Kinder Morgan, Inc.	8,818	$242K	0.1%	$24.88	0.0%	COM	49456B101
—	Labcorp Holdings Inc.	1,037	$238K	0.1%	$229.32	—	COM SHS	50540R409
CRM	Salesforce Inc	705	$236K	0.1%	$316.76	0.0%	COM	79466L302
MS	Morgan Stanley	1,864	$234K	0.1%	$96.90	+23.3%	COM NEW	617446448
TT	Trane Technologies plc	634	$234K	0.1%	$268.03	+46.8%	SHS	G8994E103
DOW	Dow Inc.	5,812	$233K	0.1%	$48.46	-11.4%	COM	260557103
IWB	Ishares Russell 1000 ETF	718	$231K	0.1%	$288.17	—	RUS 1000 ETF	464287622
GEHC	GE Healthcare Technologies Inc.	2,956	$231K	0.1%	$71.58	+18.5%	COMMON STOCK	36266G107
UNP	Union Pacific Corp.	1,002	$228K	0.1%	$224.04	+2.8%	COM	907818108
WY	Weyerhaeuser Corp.	8,025	$226K	0.1%	$33.56	-10.4%	COM NEW	962166104
SYF	Synchrony Financial	3,448	$224K	0.1%	$60.06	0.0%	COM	87165B103
IWN	iShares Russell 2000 Value Index	1,325	$218K	0.1%	$155.33	—	RUS 2000 VAL ETF	464287630
CTVA	Corteva Inc.	3,729	$212K	0.1%	$50.60	+15.5%	COM	22052L104
COST	Costco Wholesale Corp.	230	$211K	0.1%	$773.82	+19.2%	COM	22160K105
IWR	iShares Russell Mid-Cap Index	2,352	$208K	0.1%	$88.15	—	RUS MID CAP ETF	464287499
VSS	Vanguard FTSE All-World Ex-US Small Cap ETF	1,800	$206K	0.1%	$125.96	—	FTSE SMCAP ETF	922042718
IWP	IShares Russell Mid-Cap Growth ETF	1,624	$206K	0.1%	$126.77	—	RUS MD CP GR ETF	464287481
GD	General Dynamics Corp.	776	$204K	0.1%	$234.24	+20.4%	COM	369550108
HXL	Hexcel Corp.	3,241	$203K	0.1%	$54.95	+12.4%	COM	428291108
VWO	Vanguard FTSE Emerging Markets ETF	4,550	$200K	0.1%	$44.04	—	FTSE EMR MKT ETF	922042858
—	Hanes Brands	19,394	$158K	0.1%	$12.16	—	COM	410345102
GT	Goodyear Tire & Rubber Co	15,872	$143K	0.1%	$15.70	-41.8%	COM	382550101