Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHX	Schwab U.S. Large-Cap ETF	1,308,343	$34.46M	18.0%	$32.88	—	US LRG CAP ETF	808524201
SCHF	Schwab International Equity ETF	373,859	$8.703M	4.5%	$27.21	—	INTL EQTY ETF	808524805
SCHA	Schwab U.S. Small-Cap ETF	302,407	$8.437M	4.4%	$35.95	—	US SML CAP ETF	808524607
JPM	JP Morgan Chase & Co.	24,466	$7.717M	4.0%	$133.23	+122.1%	COM	46625H100
MSFT	Microsoft Corp	13,915	$7.207M	3.8%	$289.10	+76.0%	COM	594918104
AAPL	Apple Inc.	17,537	$4.466M	2.3%	$166.85	+35.2%	COM	037833100
—	UnitedHealth Group Inc.	12,353	$4.266M	2.2%	$510.33	—	COM	910581107
SCHG	Schwab U.S. Large-Cap Growth ETF	128,143	$4.089M	2.1%	$37.63	—	US LCAP GR ETF	808524300
ABBV	AbbVie Inc.	11,349	$2.628M	1.4%	$126.52	+59.6%	COM	00287Y109
RTX	RTX Corp.	15,299	$2.56M	1.3%	$85.96	+79.5%	COM	75513E101
HD	Home Depot	6,281	$2.545M	1.3%	$313.18	+24.3%	COM	437076102
—	GE Aerospace	8,423	$2.534M	1.3%	$188.58	—	COM NEW	369604103
SCHM	Schwab U.S. Mid-Cap ETF	82,913	$2.458M	1.3%	$41.21	—	US MID-CAP ETF	808524508
IWM	iShares Russell 2000 Index	9,629	$2.33M	1.2%	$194.20	—	RUSSELL 2000 ETF	464287655
PEP	Pepsico Inc.	16,383	$2.301M	1.2%	$148.59	-5.5%	COM	713448108
AVGO	Broadcom Inc.	6,216	$2.051M	1.1%	$160.31	+90.7%	COM	11135F101
VV	Vanguard Large Cap ETF	6,600	$2.032M	1.1%	$235.37	—	LARGE CAP ETF	922908637
AFL	Aflac Inc	17,762	$1.984M	1.0%	$57.30	+81.8%	COM	001055102
EFA	IShares MSCI EAFE Index	20,869	$1.949M	1.0%	$73.45	—	MSCI EAFE ETF	464287465
IBM	International Business Machines	6,450	$1.82M	0.9%	$112.54	+130.6%	COM	459200101
VUG	Vanguard Growth ETF	3,484	$1.671M	0.9%	$286.30	—	GROWTH ETF	922908736
CVX	Chevron Corporation	10,702	$1.662M	0.9%	$125.79	+21.1%	COM	166764100
NOC	Northrop Grumman Corp	2,699	$1.645M	0.9%	$387.65	+45.3%	COM	666807102
JNJ	Johnson & Johnson	8,437	$1.564M	0.8%	$152.33	+11.3%	COM	478160104
INTC	Intel Corp	46,567	$1.562M	0.8%	$44.63	-45.7%	COM	458140100
IVV	iShares S&P 500 Index	2,310	$1.546M	0.8%	$391.00	—	CORE S&P500 ETF	464287200
SCHE	Schwab Emerging Markets Equity ETF	46,037	$1.536M	0.8%	$27.84	—	EMRG MKTEQ ETF	808524706
—	Bank of America Corp	29,419	$1.518M	0.8%	$41.34	—	COM	06605F102
ABT	Abbott Laboratories	10,497	$1.406M	0.7%	$115.36	+13.2%	COM	002824100
XOM	Exxon Mobil Corporation	12,226	$1.378M	0.7%	$69.60	+57.6%	COM	30231G102
PFE	Pfizer Inc.	52,302	$1.333M	0.7%	$41.50	-41.8%	COM	717081103
BRK/B	Berkshire Hathaway Cl. B	2,648	$1.331M	0.7%	$358.31	+35.2%	CL B NEW	084670702
VDE	Vanguard Energy Sector ETF	10,286	$1.295M	0.7%	$107.24	—	ENERGY ETF	92204A306
—	AT&T Inc.	45,566	$1.287M	0.7%	$22.94	—	COM	001957109
XLK	Technology Select Sector SPDR ETF	4,510	$1.271M	0.7%	$159.65	—	TECHNOLOGY	81369Y803
KMB	Kimberly-Clark Corp	10,019	$1.246M	0.6%	$114.07	+11.2%	COM	494368103
MCD	McDonalds Corp	3,980	$1.209M	0.6%	$227.70	+32.4%	COM	580135101
VZ	Verizon Communications	26,836	$1.179M	0.6%	$40.27	+5.5%	COM	92343V104
GOOGL	Alphabet Inc. Cl. A	4,797	$1.166M	0.6%	$118.21	+77.0%	CAP STK CL A	02079K305
CSCO	Cisco Systems Inc.	16,851	$1.153M	0.6%	$48.73	+38.3%	COM	17275R102
HPQ	HP Inc.	42,105	$1.147M	0.6%	$32.05	-18.4%	COM	40434L105
SCHV	Schwab U.S. Large-Cap Value ETF	38,510	$1.121M	0.6%	$40.92	—	US LCAP VA ETF	808524409
AMGN	Amgen Incorporated	3,874	$1.093M	0.6%	$211.40	+35.6%	COM	031162100
HPE	Hewlett Packard Enterprises	43,432	$1.067M	0.6%	$14.96	+46.3%	COM	42824C109
NSC	Norfolk Southern Corp	3,543	$1.064M	0.6%	$252.93	+9.1%	COM	655844108
LLY	Lilly (Eli) & C.	1,306	$996K	0.5%	$264.47	+180.7%	COM	532457108
PG	Procter & Gamble Co.	6,378	$980K	0.5%	$141.44	+9.5%	COM	742718109
LHX	L3Harris Technologies Inc.	3,068	$937K	0.5%	$214.65	+26.4%	COM	502431109
QCOM	QUALCOMM Inc.	5,556	$924K	0.5%	$149.90	+4.9%	COM	747525103
QQQ	Invesco QQQ Trust	1,503	$902K	0.5%	$551.71	—	UNIT SER 1	46090E103
ADM	Archer-Daniels-Midland Co	14,514	$867K	0.5%	$69.69	-17.1%	COM	039483102
VO	Vanguard Mid-Cap ETF	2,936	$862K	0.4%	$246.03	—	MID CAP ETF	922908629
NVDA	NVIDIA Corp.	4,584	$855K	0.4%	$94.09	+85.2%	COM	67066G104
VEA	Vanguard FTSE Developed Markets ETF	13,739	$823K	0.4%	$48.79	—	VAN FTSE DEV MKT	921943858
XLY	Consumer Discretionery SPDR ETF	3,350	$803K	0.4%	$217.33	—	SBI CONS DISCR	81369Y407
ITW	Illinois Tool Works	3,068	$800K	0.4%	$200.73	+28.2%	COM	452308109
WFC	Wells Fargo	9,447	$792K	0.4%	$43.38	+85.5%	COM	949746101
HON	Honeywell International Inc.	3,739	$787K	0.4%	$170.35	+21.6%	COM	438516106
MPC	Marathon Petroleum Corp.	4,058	$782K	0.4%	$71.68	+143.4%	COM	56585A102
AXP	American Express Company	2,311	$768K	0.4%	$166.22	+90.4%	COM	025816109
BA	Boeing Co	3,546	$765K	0.4%	$189.00	+19.3%	COM	097023105
SCHW	Charles Schwab Corp.	7,708	$736K	0.4%	$82.31	+14.9%	COM	808513105
MRK	Merck & Company Inc	8,647	$726K	0.4%	$71.31	+13.6%	COM	58933Y105
VHT	Vanguard Health Care Sector ETF	2,790	$724K	0.4%	$253.49	—	HEALTH CAR ETF	92204A504
APH	Amphenol Corp	5,831	$722K	0.4%	$47.24	+131.6%	CL A	032095101
CAT	Caterpillar Inc	1,489	$710K	0.4%	$194.92	+118.2%	COM	149123101
WMT	Wal-Mart Stores Inc	6,705	$691K	0.4%	$52.23	+90.0%	COM	931142103
BMY	Bristol-Myers Squibb Co	14,915	$673K	0.4%	$57.91	-21.4%	COM	110122108
AMAT	Applied Materials	3,271	$670K	0.3%	$132.25	+36.7%	COM	038222105
SPY	SPDR S&P 500 ETF	1,005	$669K	0.3%	$447.32	—	TR UNIT	78462F103
TXN	Texas Instruments, Inc.	3,643	$669K	0.3%	$157.11	+23.0%	COM	882508104
RS	Reliance Inc.	2,364	$664K	0.3%	$186.65	+60.7%	COM	759509102
DIS	Disney (Walt) Co	5,711	$654K	0.3%	$127.08	-7.9%	COM	254687106
EFX	Equifax Inc.	2,548	$654K	0.3%	$194.71	+28.6%	COM	294429105
VB	Vanguard Small-Cap ETF	2,490	$633K	0.3%	$242.39	—	SMALL CP ETF	922908751
ORCL	Oracle Corporation	2,241	$630K	0.3%	$73.82	+244.3%	COM	68389X105
GEV	GE Vernova Inc	1,024	$630K	0.3%	$158.10	+283.0%	COM	36828A101
IJH	iShares Core S&P Mid-Cap ETF	9,641	$629K	0.3%	$93.90	—	CORE S&P MCP ETF	464287507
VTRS	Viatris Inc.	61,493	$609K	0.3%	$10.98	-12.9%	COM	92556V106
DE	Deere & Co.	1,297	$593K	0.3%	$370.19	+32.3%	COM	244199105
SCZ	iShares MSCI EAFE Small Cap Index	7,640	$586K	0.3%	$64.51	—	EAFE SML CP ETF	464288273
CEG	Constellation Energy Corp.	1,775	$584K	0.3%	$101.44	+217.6%	COM	21037T109
VBK	Vanguard Small-Cap Growth ETF	1,915	$570K	0.3%	$249.25	—	SML CP GRW ETF	922908595
ADI	Analog Devices	2,266	$557K	0.3%	$153.27	+55.9%	COM	032654105
GS	Goldman Sachs	698	$556K	0.3%	$319.80	+129.8%	COM	38141G104
IWO	iShares Russell 2000 Growth Index	1,694	$542K	0.3%	$253.84	—	RUS 2000 GRW ETF	464287648
MSI	Motorola Solutions Inc.	1,173	$536K	0.3%	$221.78	+102.1%	COM	620076307
EFG	iShares MSCI EAFE Growth Index	4,619	$526K	0.3%	$81.83	—	EAFE GRWTH ETF	464288885
—	Medtronic Inc	5,458	$520K	0.3%	$110.33	—	COM	585055106
ADP	Automatic Data Processing	1,716	$504K	0.3%	$199.29	+49.4%	COM	053015103
DIA	SPDR Dow Jones Industrial Avg. ETF	1,078	$500K	0.3%	$344.22	—	UT SER 1	78467X109
CVS	CVS Health Corp.	6,489	$489K	0.3%	$89.50	-24.2%	COM	126650100
TJX	TJX Companies	3,317	$479K	0.2%	$64.06	+106.5%	COM	872540109
—	Liberty Formula One Group	5,006	$477K	0.2%	$57.90	—	COM SER A FRMLA	531229870
GOOG	Alphabet Inc. Cl. C	1,922	$468K	0.2%	$95.84	+119.0%	CAP STK CL C	02079K107
COP	ConocoPhillips	4,944	$468K	0.2%	$81.15	+14.9%	COM	20825C104
TRV	Travelers Companies	1,672	$467K	0.2%	$158.85	+67.4%	COM	89417E109
PSX	Phillips 66	3,214	$437K	0.2%	$73.29	+72.4%	COM	718546104
NEE	NextEra Energy	5,788	$437K	0.2%	$70.23	+2.8%	COM	65339F101
VXUS	Vanguard Total International Stock ETF	5,818	$427K	0.2%	$73.46	—	VG TL INTL STK F	921909768
VBR	Vanguard Small Cap Value ETF	1,998	$417K	0.2%	$175.18	—	SM CP VAL ETF	922908611
—	Kellanova Company	4,983	$409K	0.2%	$52.56	+49.6%	COM	487836108
MCK	McKesson Corporation	523	$404K	0.2%	$270.63	+159.8%	COM	58155Q103
CARR	Carrier Global Corp.	6,664	$398K	0.2%	$44.54	+51.9%	COM	14448C104
IYH	iShares Dow Jones U.S. Healthcare Sector Index	6,546	$384K	0.2%	$103.32	—	US HLTHCARE ETF	464287762
WTM	White Mountain Insurance Group Ltd.	229	$383K	0.2%	$1166.56	+53.0%	COM	G9618E107
SYK	Stryker Corp.	1,029	$380K	0.2%	$239.62	+60.5%	COM	863667101
A	Agilent Technologies	2,881	$370K	0.2%	$133.18	-9.5%	COM	00846U101
SYY	Sysco Corp.	4,479	$369K	0.2%	$71.39	+10.5%	COM	871829107
KEYS	Keysight Technologies	2,036	$356K	0.2%	$164.07	+1.6%	COM	49338L103
EMXC	iShares MSCI Emerging Markets ex-China	4,940	$333K	0.2%	$48.19	—	MSCI EMRG CHN	46434G764
ALL	Allstate Corporation	1,522	$327K	0.2%	$114.28	+75.2%	COM	020002101
KMPR	Kemper Corporation	6,310	$325K	0.2%	$55.48	+1.2%	COM	488401100
ETN	Eaton Corp.	862	$323K	0.2%	$146.94	+147.2%	SHS	G29183103
STZ	Constellation Brands Cl. A	2,358	$318K	0.2%	$215.98	-27.1%	COM	21036P108
APD	Air Products & Chemicals	1,159	$316K	0.2%	$233.05	+22.5%	COM	009158106
OXY	Occidental Petroleum	6,622	$313K	0.2%	$41.96	+6.6%	COM	674599105
SYF	Synchrony Financial	4,402	$313K	0.2%	$60.37	+19.3%	COM	87165B103
CNP	Centerpoint Energy	7,900	$307K	0.2%	$25.42	+47.3%	COM	15189T107
XLF	Financial Select Sector SPDR ETF	5,655	$305K	0.2%	$38.47	—	FINANCIAL	81369Y605
IYG	iShares Dow Jones U.S. Financial Services Index	3,345	$300K	0.2%	$66.30	—	U.S. FIN SVC ETF	464287770
CMCSA	Comcast Corporation Class A	9,479	$298K	0.2%	$41.51	-20.1%	CL A	20030N101
KO	Coca-Cola Company	4,475	$297K	0.2%	$54.77	+24.0%	COM	191216100
—	Labcorp Holdings Inc.	1,027	$295K	0.2%	$229.32	—	COM SHS	50540R409
MS	Morgan Stanley	1,803	$287K	0.1%	$96.90	+51.1%	COM NEW	617446448
LOW	Lowes Co Inc	1,138	$286K	0.1%	$179.56	+36.0%	COM	548661107
VIS	Vanguard Industrial Sector ETF	938	$278K	0.1%	$205.53	—	INDUSTRIAL ETF	92204A603
NLR	Vaneck Uranium & Nuclear Energy ETF	2,000	$271K	0.1%	$111.18	—	URANIUM AND NUCL	92189F601
VWO	Vanguard FTSE Emerging Markets ETF	5,007	$271K	0.1%	$44.85	—	FTSE EMR MKT ETF	922042858
AVY	Avery Dennison Corp	1,648	$267K	0.1%	$173.42	-1.6%	COM	053611109
TT	Trane Technologies plc	633	$267K	0.1%	$268.03	+59.2%	SHS	G8994E103
IWB	Ishares Russell 1000 ETF	712	$260K	0.1%	$288.17	—	RUS 1000 ETF	464287622
GD	General Dynamics Corp.	759	$259K	0.1%	$234.24	+33.9%	COM	369550108
VSS	Vanguard FTSE All-World Ex-US Small Cap ETF	1,800	$257K	0.1%	$125.96	—	FTSE SMCAP ETF	922042718
CAH	Cardinal Health Inc.	1,599	$251K	0.1%	$71.56	+114.6%	COM	14149Y108
AMZN	Amazon.com Inc	1,141	$251K	0.1%	$166.93	+35.6%	COM	023135106
CTVA	Corteva Inc.	3,697	$250K	0.1%	$50.60	+42.6%	COM	22052L104
DD	DuPont de Nemours Inc.	3,197	$249K	0.1%	$25.00	+24.6%	COM	26614N102
D	Dominion Energy Inc.	3,980	$243K	0.1%	$53.16	+9.7%	COM	25746U109
KMI	Kinder Morgan, Inc.	8,504	$241K	0.1%	$24.88	+8.4%	COM	49456B101
IWN	iShares Russell 2000 Value Index	1,325	$234K	0.1%	$155.33	—	RUS 2000 VAL ETF	464287630
SO	Southern Company	2,458	$233K	0.1%	$58.69	+57.1%	COM	842587107
BK	Bank of New YorkMellon Corp.	2,100	$229K	0.1%	$101.35	0.0%	COM	064058100
GEHC	GE Healthcare Technologies Inc.	3,020	$227K	0.1%	$71.76	+3.9%	COMMON STOCK	36266G107
IWP	IShares Russell Mid-Cap Growth ETF	1,590	$226K	0.1%	$138.70	—	RUS MD CP GR ETF	464287481
VLO	Valero Energy Corp.	1,320	$225K	0.1%	$122.29	+20.9%	COM	91913Y100
GPN	Global Payments Inc.	2,702	$224K	0.1%	$134.53	-37.7%	COM	37940X102
IWR	iShares Russell Mid-Cap Index	2,299	$222K	0.1%	$91.98	—	RUS MID CAP ETF	464287499
DOW	Dow Inc.	9,387	$215K	0.1%	$42.84	-43.2%	COM	260557103
UNP	Union Pacific Corp.	877	$207K	0.1%	$224.04	-0.4%	COM	907818108
HXL	Hexcel Corp.	3,241	$203K	0.1%	$61.40	0.0%	COM	428291108
XYL	Xylem, Inc.	1,375	$203K	0.1%	$138.06	0.0%	COM	98419M100
PCG	PG&E Corp	12,310	$186K	0.1%	$11.76	+23.4%	COM	69331C108
—	Hanes Brands	19,394	$128K	0.1%	$12.16	—	COM	410345102
GT	Goodyear Tire & Rubber Co	15,610	$117K	0.1%	$15.70	-40.1%	COM	382550101