Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHX	Schwab U.S. Large-Cap ETF	1,306,764	$35.17M	18.0%	$32.88	—	US LRG CAP ETF	808524201
SCHF	Schwab International Equity ETF	374,454	$9.002M	4.6%	$27.21	—	INTL EQTY ETF	808524805
SCHA	Schwab U.S. Small-Cap ETF	299,745	$8.537M	4.4%	$35.95	—	US SML CAP ETF	808524607
JPM	JP Morgan Chase & Co.	24,278	$7.823M	4.0%	$133.23	+132.3%	COM	46625H100
MSFT	Microsoft Corp	13,947	$6.745M	3.5%	$289.10	+73.1%	COM	594918104
AAPL	Apple Inc.	17,021	$4.627M	2.4%	$166.85	+60.8%	COM	037833100
SCHG	Schwab U.S. Large-Cap Growth ETF	128,302	$4.185M	2.1%	$37.63	—	US LCAP GR ETF	808524300
—	UnitedHealth Group Inc.	12,353	$4.078M	2.1%	$510.33	—	COM	910581107
RTX	RTX Corp.	15,296	$2.805M	1.4%	$85.96	+101.6%	COM	75513E101
ABBV	AbbVie Inc.	11,340	$2.591M	1.3%	$126.52	+79.9%	COM	00287Y109
—	GE Aerospace	8,368	$2.578M	1.3%	$188.58	—	COM NEW	369604103
SCHM	Schwab U.S. Mid-Cap ETF	82,959	$2.495M	1.3%	$41.21	—	US MID-CAP ETF	808524508
VV	Vanguard Large Cap ETF	7,591	$2.39M	1.2%	$245.74	—	LARGE CAP ETF	922908637
IWM	iShares Russell 2000 Index	9,629	$2.37M	1.2%	$194.20	—	RUSSELL 2000 ETF	464287655
PEP	Pepsico Inc.	16,383	$2.351M	1.2%	$148.59	-1.8%	COM	713448108
AVGO	Broadcom Inc.	6,351	$2.198M	1.1%	$164.49	+117.0%	COM	11135F101
HD	Home Depot	6,281	$2.161M	1.1%	$313.18	+16.4%	COM	437076102
EFA	IShares MSCI EAFE Index	20,869	$2.004M	1.0%	$73.45	—	MSCI EAFE ETF	464287465
AFL	Aflac Inc	17,676	$1.949M	1.0%	$57.30	+91.7%	COM	001055102
IBM	International Business Machines	6,435	$1.906M	1.0%	$112.54	+165.5%	COM	459200101
JNJ	Johnson & Johnson	8,413	$1.741M	0.9%	$152.33	+29.3%	COM	478160104
VUG	Vanguard Growth ETF	3,566	$1.74M	0.9%	$290.94	—	GROWTH ETF	922908736
INTC	Intel Corp	45,128	$1.665M	0.9%	$44.63	-15.4%	COM	458140100
CVX	Chevron Corporation	10,690	$1.629M	0.8%	$125.79	+20.4%	COM	166764100
—	Bank of America Corp	29,419	$1.618M	0.8%	$41.34	—	COM	06605F102
IVV	iShares S&P 500 Index	2,307	$1.58M	0.8%	$391.00	—	CORE S&P500 ETF	464287200
NOC	Northrop Grumman Corp	2,699	$1.539M	0.8%	$387.65	+49.3%	COM	666807102
SCHE	Schwab Emerging Markets Equity ETF	46,474	$1.522M	0.8%	$27.84	—	EMRG MKTEQ ETF	808524706
GOOGL	Alphabet Inc. Cl. A	4,827	$1.511M	0.8%	$118.21	+141.6%	CAP STK CL A	02079K305
XOM	Exxon Mobil Corporation	12,220	$1.471M	0.8%	$69.60	+65.9%	COM	30231G102
LLY	Lilly (Eli) & C.	1,281	$1.377M	0.7%	$264.47	+261.3%	COM	532457108
VDE	Vanguard Energy Sector ETF	10,708	$1.348M	0.7%	$107.98	—	ENERGY ETF	92204A306
ABT	Abbott Laboratories	10,497	$1.315M	0.7%	$115.36	+10.3%	COM	002824100
PFE	Pfizer Inc.	52,302	$1.302M	0.7%	$41.50	-39.7%	COM	717081103
XLK	Technology Select Sector SPDR ETF	9,020	$1.299M	0.7%	$151.81	—	TECHNOLOGY	81369Y803
CSCO	Cisco Systems Inc.	16,811	$1.295M	0.7%	$48.73	+51.4%	COM	17275R102
BRK/B	Berkshire Hathaway Cl. B	2,549	$1.281M	0.7%	$358.31	+38.9%	CL B NEW	084670702
AMGN	Amgen Incorporated	3,883	$1.271M	0.7%	$211.40	+49.5%	COM	031162100
MCD	McDonalds Corp	3,980	$1.216M	0.6%	$227.70	+34.0%	COM	580135101
VEA	Vanguard FTSE Developed Markets ETF	18,642	$1.165M	0.6%	$52.39	—	VAN FTSE DEV MKT	921943858
SCHV	Schwab U.S. Large-Cap Value ETF	38,510	$1.14M	0.6%	$40.92	—	US LCAP VA ETF	808524409
—	AT&T Inc.	45,446	$1.129M	0.6%	$22.94	—	COM	001957109
VZ	Verizon Communications	26,836	$1.093M	0.6%	$40.27	+0.5%	COM	92343V104
HPE	Hewlett Packard Enterprises	43,432	$1.043M	0.5%	$14.96	+56.7%	COM	42824C109
NSC	Norfolk Southern Corp	3,543	$1.023M	0.5%	$252.93	+14.1%	COM	655844108
KMB	Kimberly-Clark Corp	10,019	$1.011M	0.5%	$114.07	-5.0%	COM	494368103
QCOM	QUALCOMM Inc.	5,610	$960K	0.5%	$149.90	+13.9%	COM	747525103
HPQ	HP Inc.	42,105	$938K	0.5%	$32.05	-21.2%	COM	40434L105
MRK	Merck & Company Inc	8,777	$924K	0.5%	$71.64	+30.2%	COM	58933Y105
QQQ	Invesco QQQ Trust	1,491	$916K	0.5%	$551.71	—	UNIT SER 1	46090E103
PG	Procter & Gamble Co.	6,378	$914K	0.5%	$141.44	+4.0%	COM	742718109
WFC	Wells Fargo	9,635	$898K	0.5%	$44.22	+95.9%	COM	949746101
VO	Vanguard Mid-Cap ETF	3,088	$896K	0.5%	$248.20	—	MID CAP ETF	922908629
LHX	L3Harris Technologies Inc.	3,036	$891K	0.5%	$214.65	+34.4%	COM	502431109
NVDA	NVIDIA Corp.	4,559	$850K	0.4%	$94.09	+97.8%	COM	67066G104
CAT	Caterpillar Inc	1,466	$840K	0.4%	$194.92	+185.0%	COM	149123101
ADM	Archer-Daniels-Midland Co	14,514	$834K	0.4%	$69.69	-14.7%	COM	039483102
AMAT	Applied Materials	3,189	$820K	0.4%	$132.25	+81.1%	COM	038222105
BMY	Bristol-Myers Squibb Co	15,115	$815K	0.4%	$57.77	-17.7%	COM	110122108
APH	Amphenol Corp	6,023	$814K	0.4%	$49.99	+167.1%	CL A	032095101
VHT	Vanguard Health Care Sector ETF	2,804	$807K	0.4%	$253.49	—	HEALTH CAR ETF	92204A504
XLY	Consumer Discretionery SPDR ETF	6,700	$800K	0.4%	$168.37	—	SBI CONS DISCR	81369Y407
VTRS	Viatris Inc.	63,884	$795K	0.4%	$10.97	-2.3%	COM	92556V106
BA	Boeing Co	3,606	$783K	0.4%	$189.28	+8.7%	COM	097023105
SCHW	Charles Schwab Corp.	7,708	$770K	0.4%	$82.31	+15.1%	COM	808513105
HON	Honeywell International Inc.	3,900	$761K	0.4%	$171.37	+13.8%	COM	438516106
ITW	Illinois Tool Works	3,087	$760K	0.4%	$200.73	+23.3%	COM	452308109
VB	Vanguard Small-Cap ETF	2,918	$753K	0.4%	$244.67	—	SMALL CP ETF	922908751
WMT	Wal-Mart Stores Inc	6,660	$742K	0.4%	$52.23	+105.2%	COM	931142103
AXP	American Express Company	1,979	$732K	0.4%	$166.22	+114.8%	COM	025816109
RS	Reliance Inc.	2,424	$700K	0.4%	$188.99	+48.7%	COM	759509102
SPY	SPDR S&P 500 ETF	1,005	$685K	0.4%	$447.32	—	TR UNIT	78462F103
DIS	Disney (Walt) Co	5,711	$650K	0.3%	$127.08	-13.8%	COM	254687106
MPC	Marathon Petroleum Corp.	3,931	$639K	0.3%	$71.68	+160.0%	COM	56585A102
TXN	Texas Instruments, Inc.	3,643	$632K	0.3%	$157.11	+8.7%	COM	882508104
IJH	iShares Core S&P Mid-Cap ETF	9,457	$624K	0.3%	$93.90	—	CORE S&P MCP ETF	464287507
ADI	Analog Devices	2,266	$615K	0.3%	$153.27	+63.5%	COM	032654105
CEG	Constellation Energy Corp.	1,729	$611K	0.3%	$101.44	+258.0%	COM	21037T109
GEV	GE Vernova Inc	932	$609K	0.3%	$158.10	+285.2%	COM	36828A101
DE	Deere & Co.	1,297	$604K	0.3%	$370.19	+26.3%	COM	244199105
VXUS	Vanguard Total International Stock ETF	7,902	$596K	0.3%	$73.98	—	VG TL INTL STK F	921909768
GS	Goldman Sachs	678	$596K	0.3%	$319.80	+154.3%	COM	38141G104
SCZ	iShares MSCI EAFE Small Cap Index	7,640	$592K	0.3%	$64.51	—	EAFE SML CP ETF	464288273
GOOG	Alphabet Inc. Cl. C	1,856	$582K	0.3%	$95.84	+198.8%	CAP STK CL C	02079K107
EFX	Equifax Inc.	2,608	$566K	0.3%	$195.26	+12.0%	COM	294429105
IWO	iShares Russell 2000 Growth Index	1,694	$547K	0.3%	$253.84	—	RUS 2000 GRW ETF	464287648
EFG	iShares MSCI EAFE Growth Index	4,619	$526K	0.3%	$81.83	—	EAFE GRWTH ETF	464288885
—	Medtronic Inc	5,458	$524K	0.3%	$110.33	—	COM	585055106
DIA	SPDR Dow Jones Industrial Avg. ETF	1,078	$518K	0.3%	$344.22	—	UT SER 1	78467X109
CVS	CVS Health Corp.	6,479	$514K	0.3%	$89.50	-12.1%	COM	126650100
VBK	Vanguard Small-Cap Growth ETF	1,590	$480K	0.2%	$249.25	—	SML CP GRW ETF	922908595
WTM	White Mountain Insurance Group Ltd.	229	$476K	0.2%	$1166.56	+67.6%	COM	G9618E107
VWO	Vanguard FTSE Emerging Markets ETF	8,821	$474K	0.2%	$48.70	—	FTSE EMR MKT ETF	922042858
COP	ConocoPhillips	4,944	$463K	0.2%	$81.15	+10.9%	COM	20825C104
NEE	NextEra Energy	5,713	$459K	0.2%	$70.23	+17.5%	COM	65339F101
MSI	Motorola Solutions Inc.	1,173	$450K	0.2%	$221.78	+80.7%	COM	620076307
TRV	Travelers Companies	1,535	$445K	0.2%	$158.85	+76.7%	COM	89417E109
—	Liberty Formula One Group	4,970	$444K	0.2%	$57.90	—	COM SER A FRMLA	531229870
ADP	Automatic Data Processing	1,716	$441K	0.2%	$199.29	+32.9%	COM	053015103
ORCL	Oracle Corporation	2,241	$437K	0.2%	$73.82	+222.5%	COM	68389X105
IYH	iShares U.S. Healthcare ETF	6,546	$426K	0.2%	$103.32	—	US HLTHCARE ETF	464287762
VBR	Vanguard Small Cap Value ETF	1,998	$423K	0.2%	$175.18	—	SM CP VAL ETF	922908611
KEYS	Keysight Technologies	2,036	$414K	0.2%	$164.07	+13.1%	COM	49338L103
PSX	Phillips 66	3,161	$408K	0.2%	$73.29	+82.8%	COM	718546104
A	Agilent Technologies	2,881	$392K	0.2%	$133.18	+7.9%	COM	00846U101
MCK	McKesson Corporation	457	$375K	0.2%	$270.63	+201.4%	COM	58155Q103
TJX	TJX Companies	2,430	$373K	0.2%	$64.06	+130.6%	COM	872540109
SYK	Stryker Corp.	1,029	$362K	0.2%	$239.62	+51.7%	COM	863667101
EMXC	iShares MSCI Emerging Markets ex-China	4,940	$359K	0.2%	$48.19	—	MSCI EMRG CHN	46434G764
CARR	Carrier Global Corp.	6,664	$352K	0.2%	$44.54	+24.7%	COM	14448C104
SYY	Sysco Corp.	4,479	$330K	0.2%	$71.39	+5.8%	COM	871829107
STZ	Constellation Brands Cl. A	2,358	$325K	0.2%	$215.98	-36.6%	COM	21036P108
MS	Morgan Stanley	1,803	$320K	0.2%	$96.90	+71.8%	COM NEW	617446448
SYF	Synchrony Financial	3,808	$318K	0.2%	$60.37	+26.4%	COM	87165B103
ALL	Allstate Corporation	1,522	$317K	0.2%	$114.28	+78.6%	COM	020002101
KO	Coca-Cola Company	4,475	$313K	0.2%	$54.77	+26.7%	COM	191216100
IYG	iShares U.S. Financial Services ETF	3,345	$309K	0.2%	$66.30	—	U.S. FIN SVC ETF	464287770
ACN	Accenture Ltd.	1,144	$307K	0.2%	$254.06	0.0%	SHS CLASS A	G1151C101
XLF	Financial Select Sector SPDR ETF	5,570	$305K	0.2%	$38.47	—	FINANCIAL	81369Y605
CNP	Centerpoint Energy	7,900	$303K	0.2%	$25.42	+52.9%	COM	15189T107
AVY	Avery Dennison Corp	1,648	$300K	0.2%	$173.42	-0.6%	COM	053611109
APD	Air Products & Chemicals	1,159	$286K	0.1%	$233.05	+8.0%	COM	009158106
LOW	Lowes Co Inc	1,138	$275K	0.1%	$179.56	+33.6%	COM	548661107
CMCSA	Comcast Corporation Class A	9,179	$274K	0.1%	$41.51	-31.3%	CL A	20030N101
WBD	Warner Bros. Discovery Inc.	9,518	$274K	0.1%	$23.37	0.0%	COM SER A	934423104
VIS	Vanguard Industrial Sector ETF	913	$272K	0.1%	$205.53	—	INDUSTRIAL ETF	92204A603
IWB	Ishares Russell 1000 ETF	712	$266K	0.1%	$288.17	—	RUS 1000 ETF	464287622
AMZN	Amazon.com Inc	1,141	$263K	0.1%	$166.93	+37.1%	COM	023135106
VSS	Vanguard FTSE All-World Ex-US Small Cap ETF	1,800	$258K	0.1%	$125.96	—	FTSE SMCAP ETF	922042718
—	Labcorp Holdings Inc.	1,027	$258K	0.1%	$229.32	—	COM SHS	50540R409
KMPR	Kemper Corporation	6,310	$256K	0.1%	$55.48	-22.8%	COM	488401100
GD	General Dynamics Corp.	759	$256K	0.1%	$234.24	+45.5%	COM	369550108
NLR	Vaneck Uranium & Nuclear Energy ETF	2,000	$248K	0.1%	$111.18	—	URANIUM AND NUCL	92189F601
CTVA	Corteva Inc.	3,697	$248K	0.1%	$50.60	+27.6%	COM	22052L104
GEHC	GE Healthcare Technologies Inc.	3,019	$248K	0.1%	$71.76	+8.6%	COMMON STOCK	36266G107
TT	Trane Technologies plc	633	$246K	0.1%	$268.03	+54.3%	SHS	G8994E103
BK	Bank of New YorkMellon Corp.	2,100	$244K	0.1%	$101.35	+9.0%	COM	064058100
IWN	iShares Russell 2000 Value Index	1,325	$240K	0.1%	$155.33	—	RUS 2000 VAL ETF	464287630
CAH	Cardinal Health Inc.	1,160	$238K	0.1%	$71.56	+162.3%	COM	14149Y108
HXL	Hexcel Corp.	3,209	$237K	0.1%	$61.40	+15.1%	COM	428291108
KMI	Kinder Morgan, Inc.	8,504	$234K	0.1%	$24.88	+8.2%	COM	49456B101
D	Dominion Energy Inc.	3,980	$233K	0.1%	$53.16	+12.4%	COM	25746U109
OXY	Occidental Petroleum	5,410	$222K	0.1%	$41.96	-1.0%	COM	674599105
IWR	iShares Russell Mid-Cap Index	2,299	$221K	0.1%	$91.98	—	RUS MID CAP ETF	464287499
ETN	Eaton Corp.	694	$221K	0.1%	$146.94	+141.2%	SHS	G29183103
DOW	Dow Inc.	9,370	$219K	0.1%	$42.84	-46.8%	COM	260557103
IWP	IShares Russell Mid-Cap Growth ETF	1,590	$218K	0.1%	$138.70	—	RUS MD CP GR ETF	464287481
GILD	Gilead Sciences, Inc.	1,749	$215K	0.1%	$120.88	0.0%	COM	375558103
SO	Southern Company	2,458	$214K	0.1%	$58.69	+54.9%	COM	842587107
IFF	International Flavors and Fragrances	3,177	$214K	0.1%	$64.40	0.0%	COM	459506101
GPN	Global Payments Inc.	2,702	$209K	0.1%	$134.53	-40.3%	COM	37940X102
UNP	Union Pacific Corp.	877	$203K	0.1%	$224.04	+1.5%	COM	907818108
VIG	Vanguard Dividend Appreciation ETF	915	$201K	0.1%	$219.80	—	DIV APP ETF	921908844
PCG	PG&E Corp	12,310	$198K	0.1%	$11.76	+35.4%	COM	69331C108
GT	Goodyear Tire & Rubber Co	15,610	$137K	0.1%	$15.70	-49.8%	COM	382550101