Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHX	Schwab U.S. Large-Cap ETF	1,306,822	$33.51M	17.4%	$32.88	—	US LRG CAP ETF	808524201
SCHF	Schwab International Equity ETF	374,609	$9.272M	4.8%	$27.21	—	INTL EQTY ETF	808524805
SCHA	Schwab U.S. Small-Cap ETF	298,444	$8.679M	4.5%	$35.95	—	US SML CAP ETF	808524607
JPM	JP Morgan Chase & Co.	24,274	$7.14M	3.7%	$133.23	+133.8%	COM	46625H100
MSFT	Microsoft Corp	13,924	$5.154M	2.7%	$289.10	+50.3%	COM	594918104
AAPL	Apple Inc.	17,013	$4.318M	2.2%	$166.85	+57.5%	COM	037833100
SCHG	Schwab U.S. Large-Cap Growth ETF	129,336	$3.768M	2.0%	$37.63	—	US LCAP GR ETF	808524300
—	UnitedHealth Group Inc.	12,353	$3.343M	1.7%	$510.33	—	COM	910581107
RTX	RTX Corp.	15,261	$2.944M	1.5%	$85.96	+128.7%	COM	75513E101
VV	Vanguard Large Cap ETF	9,063	$2.708M	1.4%	$254.36	—	LARGE CAP ETF	922908637
SCHM	Schwab U.S. Mid-Cap ETF	83,744	$2.593M	1.3%	$41.21	—	US MID-CAP ETF	808524508
ABBV	AbbVie Inc.	11,340	$2.466M	1.3%	$126.52	+75.9%	COM	00287Y109
IWM	iShares Russell 2000 Index	9,629	$2.388M	1.2%	$194.20	—	RUSSELL 2000 ETF	464287655
—	GE Aerospace	8,339	$2.366M	1.2%	$188.58	—	COM NEW	369604103
PEP	Pepsico Inc.	14,387	$2.234M	1.2%	$148.59	+4.1%	COM	713448108
CVX	Chevron Corporation	10,403	$2.152M	1.1%	$125.79	+36.6%	COM	166764100
AVGO	Broadcom Inc.	6,787	$2.101M	1.1%	$175.39	+90.5%	COM	11135F101
XOM	Exxon Mobil Corporation	12,198	$2.07M	1.1%	$69.60	+99.3%	COM	30231G102
EFA	IShares MSCI EAFE Index	20,869	$2.027M	1.1%	$73.45	—	MSCI EAFE ETF	464287465
JNJ	Johnson & Johnson	8,180	$2M	1.0%	$152.33	+49.6%	COM	478160104
INTC	Intel Corp	44,865	$1.98M	1.0%	$44.63	+4.0%	COM	458140100
HD	Home Depot	5,982	$1.967M	1.0%	$313.18	+20.4%	COM	437076102
AFL	Aflac Inc	17,351	$1.904M	1.0%	$57.30	+94.1%	COM	001055102
VDE	Vanguard Energy Sector ETF	10,642	$1.841M	1.0%	$107.98	—	ENERGY ETF	92204A306
NOC	Northrop Grumman Corp	2,699	$1.841M	1.0%	$387.65	+73.8%	COM	666807102
VUG	Vanguard Growth ETF	3,843	$1.679M	0.9%	$301.45	—	GROWTH ETF	922908736
VEA	Vanguard FTSE Developed Markets ETF	25,878	$1.658M	0.9%	$55.66	—	VAN FTSE DEV MKT	921943858
IBM	International Business Machines	6,435	$1.56M	0.8%	$112.54	+152.3%	COM	459200101
SCHE	Schwab Emerging Markets Equity ETF	46,564	$1.534M	0.8%	$27.84	—	EMRG MKTEQ ETF	808524706
IVV	iShares S&P 500 Index	2,307	$1.507M	0.8%	$391.00	—	CORE S&P500 ETF	464287200
PFE	Pfizer Inc.	52,302	$1.469M	0.8%	$41.50	-36.9%	COM	717081103
—	Bank of America Corp	29,419	$1.434M	0.7%	$41.34	—	COM	06605F102
GOOGL	Alphabet Inc. Cl. A	4,813	$1.384M	0.7%	$118.21	+173.5%	CAP STK CL A	02079K305
AMGN	Amgen Incorporated	3,883	$1.366M	0.7%	$211.40	+65.4%	COM	031162100
VZ	Verizon Communications	26,676	$1.339M	0.7%	$40.27	+8.8%	COM	92343V104
CSCO	Cisco Systems Inc.	16,618	$1.289M	0.7%	$48.73	+59.9%	COM	17275R102
—	AT&T Inc.	44,371	$1.286M	0.7%	$22.94	—	COM	001957109
MCD	McDonalds Corp	3,980	$1.237M	0.6%	$227.70	+39.3%	COM	580135101
BRK/B	Berkshire Hathaway Cl. B	2,528	$1.211M	0.6%	$358.31	+37.7%	CL B NEW	084670702
XLK	Technology Select Sector SPDR ETF	9,020	$1.199M	0.6%	$151.81	—	TECHNOLOGY	81369Y803
LLY	Lilly (Eli) & C.	1,281	$1.178M	0.6%	$264.47	+295.9%	COM	532457108
SCHV	Schwab U.S. Large-Cap Value ETF	38,510	$1.175M	0.6%	$40.92	—	US LCAP VA ETF	808524409
ABT	Abbott Laboratories	10,497	$1.078M	0.6%	$115.36	+0.0%	COM	002824100
MRK	Merck & Company Inc	8,777	$1.056M	0.5%	$71.64	+59.5%	COM	58933Y105
LHX	L3Harris Technologies Inc.	3,036	$1.048M	0.5%	$214.65	+59.9%	COM	502431109
WMT	Wal-Mart Stores Inc	8,369	$1.04M	0.5%	$66.49	+83.5%	COM	931142103
AMAT	Applied Materials	3,028	$1.035M	0.5%	$132.25	+146.9%	COM	038222105
HPE	Hewlett Packard Enterprises	43,432	$1.034M	0.5%	$14.96	+47.5%	COM	42824C109
NSC	Norfolk Southern Corp	3,543	$1.017M	0.5%	$252.93	+17.9%	COM	655844108
ADM	Archer-Daniels-Midland Co	13,670	$994K	0.5%	$69.69	-5.8%	COM	039483102
VTRS	Viatris Inc.	72,134	$975K	0.5%	$11.32	+24.4%	COM	92556V106
KMB	Kimberly-Clark Corp	10,019	$966K	0.5%	$114.07	-9.6%	COM	494368103
VO	Vanguard Mid-Cap ETF	3,295	$946K	0.5%	$250.65	—	MID CAP ETF	922908629
VB	Vanguard Small-Cap ETF	3,581	$938K	0.5%	$247.86	—	SMALL CP ETF	922908751
PG	Procter & Gamble Co.	6,378	$921K	0.5%	$141.44	+7.3%	COM	742718109
BMY	Bristol-Myers Squibb Co	15,115	$917K	0.5%	$57.77	-0.6%	COM	110122108
CAT	Caterpillar Inc	1,287	$912K	0.5%	$194.92	+251.1%	COM	149123101
HON	Honeywell International Inc.	3,897	$881K	0.5%	$171.37	+31.8%	COM	438516106
QQQ	Invesco QQQ Trust	1,491	$861K	0.4%	$551.71	—	UNIT SER 1	46090E103
MPC	Marathon Petroleum Corp.	3,460	$845K	0.4%	$71.68	+157.7%	COM	56585A102
HPQ	HP Inc.	42,105	$809K	0.4%	$32.05	-38.3%	COM	40434L105
NVDA	NVIDIA Corp.	4,559	$795K	0.4%	$94.09	+98.4%	COM	67066G104
WFC	Wells Fargo	9,635	$767K	0.4%	$44.22	+103.6%	COM	949746101
VHT	Vanguard Health Care Sector ETF	2,803	$763K	0.4%	$253.49	—	HEALTH CAR ETF	92204A504
APH	Amphenol Corp	6,023	$761K	0.4%	$49.99	+192.9%	CL A	032095101
XLY	Consumer Discretionery SPDR ETF	6,700	$730K	0.4%	$168.37	—	SBI CONS DISCR	81369Y407
SCHW	Charles Schwab Corp.	7,708	$724K	0.4%	$82.31	+21.6%	COM	808513105
QCOM	QUALCOMM Inc.	5,610	$722K	0.4%	$149.90	+2.7%	COM	747525103
ADI	Analog Devices	2,266	$721K	0.4%	$153.27	+106.3%	COM	032654105
BA	Boeing Co	3,606	$718K	0.4%	$189.28	+26.0%	COM	097023105
RS	Reliance Inc.	2,344	$712K	0.4%	$188.99	+72.9%	COM	759509102
DE	Deere & Co.	1,258	$709K	0.4%	$370.19	+48.9%	COM	244199105
TXN	Texas Instruments, Inc.	3,643	$707K	0.4%	$157.11	+31.3%	COM	882508104
VXUS	Vanguard Total International Stock ETF	9,018	$695K	0.4%	$74.37	—	VG TL INTL STK F	921909768
GEV	GE Vernova Inc	751	$656K	0.3%	$158.10	+366.1%	COM	36828A101
SPY	SPDR S&P 500 ETF	1,005	$653K	0.3%	$447.32	—	TR UNIT	78462F103
COP	ConocoPhillips	4,874	$643K	0.3%	$81.15	+26.5%	COM	20825C104
ITW	Illinois Tool Works	2,453	$638K	0.3%	$200.73	+36.1%	COM	452308109
IJH	iShares Core S&P Mid-Cap ETF	9,388	$634K	0.3%	$93.90	—	CORE S&P MCP ETF	464287507
SCZ	iShares MSCI EAFE Small Cap Index	7,380	$579K	0.3%	$64.51	—	EAFE SML CP ETF	464288273
KEYS	Keysight Technologies	2,029	$573K	0.3%	$164.07	+39.1%	COM	49338L103
AXP	American Express Company	1,871	$566K	0.3%	$166.22	+114.3%	COM	025816109
DIS	Disney (Walt) Co	5,866	$565K	0.3%	$126.62	-13.6%	COM	254687106
GS	Goldman Sachs	635	$537K	0.3%	$319.80	+191.6%	COM	38141G104
GOOG	Alphabet Inc. Cl. C	1,856	$532K	0.3%	$95.84	+237.7%	CAP STK CL C	02079K107
IWO	iShares Russell 2000 Growth Index	1,694	$532K	0.3%	$253.84	—	RUS 2000 GRW ETF	464287648
NEE	NextEra Energy	5,713	$531K	0.3%	$70.23	+24.1%	COM	65339F101
VWO	Vanguard FTSE Emerging Markets ETF	9,614	$520K	0.3%	$49.15	—	FTSE EMR MKT ETF	922042858
EFG	iShares MSCI EAFE Growth Index	4,619	$514K	0.3%	$81.83	—	EAFE GRWTH ETF	464288885
MSI	Motorola Solutions Inc.	1,173	$509K	0.3%	$221.78	+87.5%	COM	620076307
DIA	SPDR Dow Jones Industrial Avg. ETF	1,078	$499K	0.3%	$344.22	—	UT SER 1	78467X109
PSX	Phillips 66	2,705	$493K	0.3%	$73.29	+100.7%	COM	718546104
WTM	White Mountain Insurance Group Ltd.	224	$492K	0.3%	$1166.56	+80.7%	COM	G9618E107
CEG	Constellation Energy Corp.	1,729	$483K	0.3%	$101.44	+196.9%	COM	21037T109
—	Medtronic Inc	5,458	$473K	0.2%	$110.33	—	COM	585055106
EFX	Equifax Inc.	2,608	$470K	0.2%	$195.26	+4.6%	COM	294429105
CVS	CVS Health Corp.	6,479	$465K	0.2%	$89.50	-12.9%	COM	126650100
VBK	Vanguard Small-Cap Growth ETF	1,450	$438K	0.2%	$249.25	—	SML CP GRW ETF	922908595
VBR	Vanguard Small Cap Value ETF	1,998	$434K	0.2%	$175.18	—	SM CP VAL ETF	922908611
IYH	iShares U.S. Healthcare ETF	6,546	$403K	0.2%	$103.32	—	US HLTHCARE ETF	464287762
TRV	Travelers Companies	1,352	$394K	0.2%	$158.85	+81.6%	COM	89417E109
DOW	Dow Inc.	9,370	$390K	0.2%	$42.84	-32.2%	COM	260557103
EMXC	iShares MSCI Emerging Markets ex-China	4,940	$389K	0.2%	$48.19	—	MSCI EMRG CHN	46434G764
—	Liberty Formula One Group	4,970	$388K	0.2%	$57.90	—	COM SER A FRMLA	531229870
SYF	Synchrony Financial	5,608	$381K	0.2%	$65.47	+16.5%	COM	87165B103
CARR	Carrier Global Corp.	6,664	$375K	0.2%	$44.54	+34.0%	COM	14448C104
TJX	TJX Companies	2,227	$356K	0.2%	$64.06	+140.8%	COM	872540109
STZ	Constellation Brands Cl. A	2,358	$354K	0.2%	$215.98	-27.8%	COM	21036P108
ADP	Automatic Data Processing	1,716	$349K	0.2%	$199.29	+20.8%	COM	053015103
CNP	Centerpoint Energy	7,900	$341K	0.2%	$25.42	+57.4%	COM	15189T107
KO	Coca-Cola Company	4,475	$340K	0.2%	$54.77	+36.5%	COM	191216100
SYK	Stryker Corp.	1,029	$338K	0.2%	$239.62	+52.2%	COM	863667101
APD	Air Products & Chemicals	1,155	$336K	0.2%	$233.05	+16.5%	COM	009158106
ORCL	Oracle Corporation	2,241	$330K	0.2%	$73.82	+129.8%	COM	68389X105
A	Agilent Technologies	2,881	$328K	0.2%	$133.18	+1.2%	COM	00846U101
SYY	Sysco Corp.	4,479	$319K	0.2%	$71.39	+15.2%	COM	871829107
ALL	Allstate Corporation	1,522	$316K	0.2%	$114.28	+77.6%	COM	020002101
CTVA	Corteva Inc.	3,697	$309K	0.2%	$50.60	+43.8%	COM	22052L104
MS	Morgan Stanley	1,803	$297K	0.2%	$96.90	+85.4%	COM NEW	617446448
VIS	Vanguard Industrial Sector ETF	913	$285K	0.1%	$205.53	—	INDUSTRIAL ETF	92204A603
AVY	Avery Dennison Corp	1,648	$285K	0.1%	$173.42	+9.0%	COM	053611109
IYG	iShares U.S. Financial Services ETF	3,345	$277K	0.1%	$66.30	—	U.S. FIN SVC ETF	464287770
XLF	Financial Select Sector SPDR ETF	5,570	$275K	0.1%	$38.47	—	FINANCIAL	81369Y605
—	Labcorp Holdings Inc.	1,027	$274K	0.1%	$229.32	—	COM SHS	50540R409
EFV	iShares MSCI EAFE Value Index	3,663	$272K	0.1%	$74.35	—	EAFE VALUE ETF	464288877
LOW	Lowes Co Inc	1,138	$269K	0.1%	$179.56	+51.2%	COM	548661107
NLR	Vaneck Uranium & Nuclear Energy ETF	2,000	$266K	0.1%	$111.18	—	URANIUM AND NUCL	92189F601
TT	Trane Technologies plc	633	$264K	0.1%	$268.03	+57.5%	SHS	G8994E103
CMCSA	Comcast Corporation Class A	9,179	$264K	0.1%	$41.51	-28.2%	CL A	20030N101
VSS	Vanguard FTSE All-World Ex-US Small Cap ETF	1,800	$262K	0.1%	$125.96	—	FTSE SMCAP ETF	922042718
VLO	Valero Energy Corp.	1,058	$261K	0.1%	$190.06	0.0%	COM	91913Y100
WBD	Warner Bros. Discovery Inc.	9,518	$261K	0.1%	$23.37	+20.8%	COM SER A	934423104
GD	General Dynamics Corp.	759	$261K	0.1%	$234.24	+51.3%	COM	369550108
IWB	Ishares Russell 1000 ETF	712	$254K	0.1%	$288.17	—	RUS 1000 ETF	464287622
KMI	Kinder Morgan, Inc.	7,575	$254K	0.1%	$24.88	+19.6%	COM	49456B101
IWN	iShares Russell 2000 Value Index	1,325	$251K	0.1%	$155.33	—	RUS 2000 VAL ETF	464287630
BK	Bank of New York Mellon Corp.	2,100	$249K	0.1%	$101.35	+18.5%	COM	064058100
D	Dominion Energy Inc.	3,980	$246K	0.1%	$53.16	+15.9%	COM	25746U109
GILD	Gilead Sciences, Inc.	1,749	$244K	0.1%	$120.88	+14.5%	COM	375558103
HXL	Hexcel Corp.	2,992	$242K	0.1%	$61.40	+37.4%	COM	428291108
AMZN	Amazon.com Inc	1,141	$238K	0.1%	$166.93	+35.9%	COM	023135106
SO	Southern Company	2,458	$237K	0.1%	$58.69	+52.6%	COM	842587107
IFF	International Flavors and Fragrances	3,177	$230K	0.1%	$64.40	+15.1%	COM	459506101
ACN	Accenture Ltd.	1,144	$227K	0.1%	$254.06	-0.3%	SHS CLASS A	G1151C101
IWR	iShares Russell Mid-Cap Index	2,299	$224K	0.1%	$91.98	—	RUS MID CAP ETF	464287499
OXY	Occidental Petroleum	3,373	$219K	0.1%	$41.96	+8.3%	COM	674599105
CAH	Cardinal Health Inc.	1,025	$217K	0.1%	$71.56	+200.9%	COM	14149Y108
PCG	PG&E Corp	12,310	$216K	0.1%	$11.76	+39.3%	COM	69331C108
GEHC	GE Healthcare Technologies Inc.	3,019	$215K	0.1%	$71.76	+14.6%	COMMON STOCK	36266G107
UNP	Union Pacific Corp.	873	$212K	0.1%	$224.04	+8.6%	COM	907818108
VTI	Vanguard Total Stock Market ETF	637	$204K	0.1%	$320.81	—	TOTAL STK MKT	922908769
IWP	IShares Russell Mid-Cap Growth ETF	1,590	$204K	0.1%	$138.70	—	RUS MD CP GR ETF	464287481
GT	Goodyear Tire & Rubber Co	15,610	$103K	0.1%	$15.70	-40.8%	COM	382550101