Kennebec Savings Bank 13F-HR Quarterly holdings report by institutional manager

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

OMB APPROVAL

OMB Number:		3235-0006
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COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
AFLAC	COM	001055102	44,720	400	SH		SOLE		400	0	0
AT&T, Inc.	COM	00206R102	16,104	732	SH		SOLE		732	0	0
Ark Investment Management LLC Internet ETF	NEXT GNRTN INTER	00214Q401	11,152	131	SH		SOLE		131	0	0
Abbott Labs	COM	002824100	7,411	65	SH		SOLE		65	0	0
Abbvie Inc.	COM	00287Y109	1,800,030	9,115	SH		SOLE		9,115	0	0
Adobe Sys Inc	COM	00724F101	588,198	1,136	SH		SOLE		1,136	0	0
Advanced Micro Devices Inc	COM	007903107	694,551	4,233	SH		SOLE		4,233	0	0
Air Products & Chemicals Inc.	COM	009158106	520,450	1,748	SH		SOLE		1,748	0	0
Allstate Corp	COM	020002101	605,742	3,194	SH		SOLE		3,194	0	0
Alphabet Inc. Cl C	CAP STK CL C	02079K107	1,207,948	7,225	SH		SOLE		7,225	0	0
Alphabet Inc. Cl A	CAP STK CL A	02079K305	2,369,167	14,285	SH		SOLE		14,285	0	0
Amazon.com Inc.	COM	023135106	2,523,095	13,541	SH		SOLE		13,541	0	0
Ambev S.A. ADR	SPONSORED ADR	02319V103	2,440	1,000	SH		SOLE		1,000	0	0
U-Haul Holding Company	COM	023586100	232	3	SH		SOLE		3	0	0
U-Haul Holding Company	COM SER N	023586506	37,944	527	SH		SOLE		527	0	0
American Century Sustainable Equity ETF	SUSTAINABLE EQTY	025072752	17,434	248	SH		SOLE		248	0	0
American Elec Pwr Inc.	COM	025537101	303,901	2,962	SH		SOLE		2,962	0	0
American Express Co	COM	025816109	28,747	106	SH		SOLE		106	0	0
American Tower Corporation	COM	03027X100	533,958	2,296	SH		SOLE		2,296	0	0
Ameriprise Financial Inc	COM	03076C106	1,910,247	4,066	SH		SOLE		4,066	0	0
Amgen Inc.	COM	031162100	57,353	178	SH		SOLE		178	0	0
Amphenol	CL A	032095101	78,192	1,200	SH		SOLE		1,200	0	0
Apple Inc.	COM	037833100	8,026,151	34,447	SH		SOLE		34,447	0	0
Applied Materials Inc.	COM	038222105	74,354	368	SH		SOLE		368	0	0
Automatic Data Processing Inc.	COM	053015103	960,253	3,470	SH		SOLE		3,470	0	0
Autozone INC Corp	COM	053332102	9,450	3	SH		SOLE		3	0	0
Avery Dennison Corp	COM	053611109	36,205	164	SH		SOLE		164	0	0
Bank of America Corp.	COM	060505104	29,085	733	SH		SOLE		733	0	0
Bank New York Mellon Corp	COM	064058100	231,030	3,215	SH		SOLE		3,215	0	0
Baxter Intl Inc.	COM	071813109	37,970	1,000	SH		SOLE		1,000	0	0
Becton Dickinson & Co	COM	075887109	46,291	192	SH		SOLE		192	0	0
Berkshire Hathaway Cl B	CL B NEW	084670702	1,158,014	2,516	SH		SOLE		2,516	0	0
Boeing Co	COM	097023105	378,732	2,491	SH		SOLE		2,491	0	0
Booking Holdings Inc	COM	09857L108	1,015,121	241	SH		SOLE		241	0	0
Booz Allen Hamilton Holdings	CL A	099502106	60,221	370	SH		SOLE		370	0	0
Bristol-Myers Squibb Co	COM	110122108	28,147	544	SH		SOLE		544	0	0
British American Tobacco ADR	SPONSORED ADR	110448107	227,345	6,215	SH		SOLE		6,215	0	0
Broadridge Financial Solutions, Inc.	COM	11133T103	129,018	600	SH		SOLE		600	0	0
Broadcom Inc	COM	11135F101	1,599,420	9,272	SH		SOLE		9,272	0	0
Cigna Group	COM	125523100	20,094	58	SH		SOLE		58	0	0
CSX Corp.	COM	126408103	66,954	1,939	SH		SOLE		1,939	0	0
CVS Health Corporation	COM	126650100	50,933	810	SH		SOLE		810	0	0
Camden Natl Corp	COM	133034108	413	10	SH		SOLE		10	0	0
Cameco Corp ADR	COM	13321L108	9,552	200	SH		SOLE		200	0	0
Canadian National Railway Co ADR	COM	136375102	11,715	100	SH		SOLE		100	0	0
Canadian Nat Res Ltd ADR	COM	136385101	13,284	400	SH		SOLE		400	0	0
Canadian Pacific Kansas City Limited ADR	COM	13646K108	42,428	496	SH		SOLE		496	0	0
Cardinal Health Inc.	COM	14149Y108	20,557	186	SH		SOLE		186	0	0
Casey's General Stores Inc	COM	147528103	75,518	201	SH		SOLE		201	0	0
Caterpillar Inc	COM	149123101	1,100,221	2,813	SH		SOLE		2,813	0	0
Chevron Corp.	COM	166764100	550,643	3,739	SH		SOLE		3,739	0	0
Church & Dwight Co Inc.	COM	171340102	60,947	582	SH		SOLE		582	0	0
Cisco Systems Inc.	COM	17275R102	1,225,816	23,033	SH		SOLE		23,033	0	0
Coca Cola Co	COM	191216100	99,957	1,391	SH		SOLE		1,391	0	0
Colgate Palmolive Co	COM	194162103	90,626	873	SH		SOLE		873	0	0
Comcast Corp CL A	CL A	20030N101	34,586	828	SH		SOLE		828	0	0
Conagra Brands Inc	COM	205887102	58,536	1,800	SH		SOLE		1,800	0	0
ConocoPhillips	COM	20825C104	441,018	4,189	SH		SOLE		4,189	0	0
Consolidated Edison, Inc.	COM	209115104	9,788	94	SH		SOLE		94	0	0
Corning Inc	COM	219350105	453,261	10,039	SH		SOLE		10,039	0	0
Costco Wholesale Corp.	COM	22160K105	1,227,830	1,385	SH		SOLE		1,385	0	0
Crowdstrike Holdings Inc Ordinary Shares - Class A	CL A	22788C105	5,048	18	SH		SOLE		18	0	0
Crown Castle Intl Corp	COM	22822V101	633,366	5,339	SH		SOLE		5,339	0	0
Curtiss-Wright Corp	COM	231561101	71,654	218	SH		SOLE		218	0	0
Danaher Corp.	COM	235851102	818,769	2,945	SH		SOLE		2,945	0	0
Deere & Company	COM	244199105	93,899	225	SH		SOLE		225	0	0
Dentsply Sirona Inc.	COM	24906P109	34,745	1,284	SH		SOLE		1,284	0	0
Digital Realty Trust Inc	COM	253868103	790,863	4,887	SH		SOLE		4,887	0	0
Dimensional US Small Cap ETF	US SMALL CAP ETF	25434V500	185,175	2,855	SH		SOLE		2,855	0	0
Walt Disney Co	COM	254687106	555,209	5,772	SH		SOLE		5,772	0	0
Dominion Energy Inc.	COM	25746U109	22,249	385	SH		SOLE		385	0	0
Dow Inc	COM	260557103	1,038,680	19,013	SH		SOLE		19,013	0	0
Duke Energy Corp	COM NEW	26441C204	418,193	3,627	SH		SOLE		3,627	0	0
EOG Resources Inc	COM	26875P101	8,236	67	SH		SOLE		67	0	0
Eaton Vance Tax-Adv Dividend Inc Fund	COM	27828G107	14,542	589	SH		SOLE		589	0	0
Ecolab Inc	COM	278865100	628,367	2,461	SH		SOLE		2,461	0	0
Edwards Lifesciences Corp	COM	28176E108	79,188	1,200	SH		SOLE		1,200	0	0
Emerson Electric Co	COM	291011104	65,294	597	SH		SOLE		597	0	0
Enbridge Inc. ADR	COM	29250N105	521,026	12,830	SH		SOLE		12,830	0	0
Entergy Corp.	COM	29364G103	93,706	712	SH		SOLE		712	0	0
Exxon Mobil Corp	COM	30231G102	1,815,269	15,486	SH		SOLE		15,486	0	0
Meta Platforms Inc Cl A	CL A	30303M102	971,431	1,697	SH		SOLE		1,697	0	0
Fidelity National Information Services Inc	COM	31620M106	27,973	334	SH		SOLE		334	0	0
Fidelity National Financial Inc.	FNF GROUP COM	31620R303	124	2	SH		SOLE		2	0	0
Fifth Third Bancorp	COM	316773100	375,150	8,757	SH		SOLE		8,757	0	0
First Solar Inc.	COM	336433107	29,434	118	SH		SOLE		118	0	0
First Trust Exchange-Traded Fund III ETF	SHS	336917109	14,892	355	SH		SOLE		355	0	0
First Trust Rising Div ETF	RISNG DIVD ACHIV	33738R506	16,283	275	SH		SOLE		275	0	0
Fiserv, Inc.	COM	337738108	39,523	220	SH		SOLE		220	0	0
Ford Motor Co	COM	345370860	265,711	25,162	SH		SOLE		25,162	0	0
Fortive Corp	COM	34959J108	340,583	4,315	SH		SOLE		4,315	0	0
Fortrea Holdings Inc	COMMON STOCK	34965K107	8,380	419	SH		SOLE		419	0	0
GE Vernova Inc.	COM	36828A101	5,100	20	SH		SOLE		20	0	0
General Dynamics Corp	COM	369550108	15,110	50	SH		SOLE		50	0	0
GE Aerospace	COM NEW	369604301	1,131	6	SH		SOLE		6	0	0
General Mills Inc	COM	370334104	16,764	227	SH		SOLE		227	0	0
Genuine Parts Co.	COM	372460105	6,984	50	SH		SOLE		50	0	0
Global Water Resources Inc	COM	379463102	2,304	183	SH		SOLE		183	0	0
John Hancock Tax-Adv Dividend Inc Fund	COM	41013V100	30,186	1,300	SH		SOLE		1,300	0	0
Hasbro Inc.	COM	418056107	406,583	5,622	SH		SOLE		5,622	0	0
Hershey Co	COM	427866108	6,712	35	SH		SOLE		35	0	0
Hewlett Packard Enterprise Corp	COM	42824C109	4,890	239	SH		SOLE		239	0	0
Hillenbrand Inc.	COM	431571108	47,594	1,712	SH		SOLE		1,712	0	0
Home Depot Inc	COM	437076102	1,201,418	2,965	SH		SOLE		2,965	0	0
Honeywell Intl Inc.	COM	438516106	997,789	4,827	SH		SOLE		4,827	0	0
Hormel Foods Corp	COM	440452100	134,947	4,257	SH		SOLE		4,257	0	0
Huntington Bancshares Inc	COM	446150104	402,163	27,358	SH		SOLE		27,358	0	0
IDEXX Laboratories, Inc.	COM	45168D104	149,545	296	SH		SOLE		296	0	0
NYLI Mackay Municipal Insured ETF	NYLI MACKAY MUN	45409F827	14,440	587	SH		SOLE		587	0	0
IBM Corp.	COM	459200101	101,697	460	SH		SOLE		460	0	0
Invesco WilderHill Clean Energy ETF	WILDERHIL CLAN	46137V134	6,069	303	SH		SOLE		303	0	0
Invesco Water Resources ETF	WATER RES ETF	46137V142	59,606	845	SH		SOLE		845	0	0
Invesco S&P 500 Equal Weight Health Care ETF	S&P500 EQL HLT	46137V332	10,314	320	SH		SOLE		320	0	0
Invesco S&P 500 Equal Weight ETF	S&P500 EQL WGT	46137V357	13,079	73	SH		SOLE		73	0	0
Invesco Senior Loan ETF	SR LN ETF	46138G508	20,317	967	SH		SOLE		967	0	0
IonQ Inc	COM	46222L108	4,894	560	SH		SOLE		560	0	0
IShares Core S&P 500 ETF	CORE S&P500 ETF	464287200	39,801	69	SH		SOLE		69	0	0
iShares iBoxx Invest Grade Corp. Bd ETF	IBOXX INV CP ETF	464287242	17,625	156	SH		SOLE		156	0	0
iShares MSCI EAFE ETF	MSCI EAFE ETF	464287465	49,342	590	SH		SOLE		590	0	0
IShares Core S&P Midcap ETF	CORE S&P MCP ETF	464287507	10,594	170	SH		SOLE		170	0	0
iShares Russell 1000 Growth Index ETF	RUS 1000 GRW ETF	464287614	184,312	491	SH		SOLE		491	0	0
iShares Russell 2000 ETF	RUSSELL 2000 ETF	464287655	22,089	100	SH		SOLE		100	0	0
iShares Core S&P Small-Cap ETF	CORE S&P SCP ETF	464287804	914,276	7,817	SH		SOLE		7,817	0	0
iShares Global Clean Energy ETF	GL CLEAN ENE ETF	464288224	2,189	149	SH		SOLE		149	0	0
iShares MSCI KLD 400 Social ETF	MSCI KLD400 SOC	464288570	17,515	161	SH		SOLE		161	0	0
iShares Barclays Interm Govt/Credit Bond ETF	INTRM GOV CR ETF	464288612	137,516	1,284	SH		SOLE		1,284	0	0
iShares Short-Term Corporate Bond ETF	ISHS 1-5YR INVS	464288646	42,602	809	SH		SOLE		809	0	0
iShares MSCI USA ESG Select ETF	MSCI USA ESG SLC	464288802	264,573	2,198	SH		SOLE		2,198	0	0
IShares Core MSCI EAFE ETF	CORE MSCI EAFE	46432F842	498,037	6,381	SH		SOLE		6,381	0	0
iShares Core MSCI Emerging Markets ETF	CORE MSCI EMKT	46434G103	757,869	13,201	SH		SOLE		13,201	0	0
iShares 0-5 Year High Yield Corporate Bond ETF	0-5YR HI YL CP	46434V407	17,672	407	SH		SOLE		407	0	0
iShares iBonds Dec 2025 Term Corporate ETF	IBONDS DEC25 ETF	46434VBD1	16,064	640	SH		SOLE		640	0	0
iShares iBonds Dec 2024 Term Corporate ETF	IBONDS DEC24 ETF	46434VBG4	29,269	1,161	SH		SOLE		1,161	0	0
iShares iBonds Dec 2026 Term Corporate ETF	IBONDS DEC2026	46435GAA0	16,160	665	SH		SOLE		665	0	0
iShares Paris-Aligned Climate MSCI USA ETF	PARIS ALGND CLIM	46436E411	12,367	195	SH		SOLE		195	0	0
iShares iBonds Dec 2025 Term Treasury ETF	IBONDS 25 TRM TS	46436E866	19,884	849	SH		SOLE		849	0	0
iShares iBonds Dec 2024 Term Treasury ETF	IBONDS 24 TRM TS	46436E874	41,112	1,713	SH		SOLE		1,713	0	0
JPMorgan Chase & Co.	COM	46625H100	2,492,576	11,821	SH		SOLE		11,821	0	0
J.P.Morgan Investment Management Inc. Ultra-Short Income ETF	ULTRA SHRT ETF	46641Q837	27,146	535	SH		SOLE		535	0	0
Johnson & Johnson	COM	478160104	1,109,463	6,846	SH		SOLE		6,846	0	0
Kimberly Clark Corp	COM	494368103	36,139	254	SH		SOLE		254	0	0
Kontoor Brands Inc	COM	50050N103	31,731	388	SH		SOLE		388	0	0
The Kraft Heinz Co.	COM	500754106	351	10	SH		SOLE		10	0	0
LKQ Corporation	COM	501889208	56,567	1,417	SH		SOLE		1,417	0	0
L3 Harris Technologies Inc	COM	502431109	35,681	150	SH		SOLE		150	0	0
Labcorp Holdings Inc	COM SHS	504922105	42,014	188	SH		SOLE		188	0	0
Lamb Weston Holdings Inc	COM	513272104	38,844	600	SH		SOLE		600	0	0
Lear Corp	COM NEW	521865204	6,331	58	SH		SOLE		58	0	0
Eli Lilly & Co.	COM	532457108	194,021	219	SH		SOLE		219	0	0
Lockheed Martin Corp	COM	539830109	851,119	1,456	SH		SOLE		1,456	0	0
Lowes Cos Inc.	COM	548661107	72,317	267	SH		SOLE		267	0	0
Magna Intl Inc ADR	COM	559222401	31,560	769	SH		SOLE		769	0	0
Manulife Financial Corp. ADR	COM	56501R106	13,711	464	SH		SOLE		464	0	0
Marathon Oil Corporation	COM	565849106	45,271	1,700	SH		SOLE		1,700	0	0
Marathon Pete Corp.	COM	56585A102	295,682	1,815	SH		SOLE		1,815	0	0
Masco Corp	COM	574599106	83,940	1,000	SH		SOLE		1,000	0	0
Mattel Inc	COM	577081102	3,753	197	SH		SOLE		197	0	0
McCormick & Co Inc	COM NON VTG	579780206	40,245	489	SH		SOLE		489	0	0
McDonald's Corp.	COM	580135101	1,394,351	4,579	SH		SOLE		4,579	0	0
Merck & Co. Inc.	COM	58933Y105	1,608,123	14,161	SH		SOLE		14,161	0	0
MetLife Inc.	COM	59156R108	3,299	40	SH		SOLE		40	0	0
Microsoft Corp	COM	594918104	5,866,280	13,633	SH		SOLE		13,633	0	0
Micron Technology Inc	COM	595112103	82,968	800	SH		SOLE		800	0	0
Moderna Inc	COM	60770K107	1,738	26	SH		SOLE		26	0	0
Morgan Stanley	COM NEW	617446448	294,686	2,827	SH		SOLE		2,827	0	0
Nio Inc ADR	SPON ADS	62914V106	1,269	190	SH		SOLE		190	0	0
Nano Nuclear Energy Inc.	COM	63010H108	4,827	335	SH		SOLE		335	0	0
Net Lease Office Properties	COM	64110Y108	337	11	SH		SOLE		11	0	0
Nextera Energy Inc	COM	65339F101	414,366	4,902	SH		SOLE		4,902	0	0
Norfolk Southern Corp	COM	655844108	1,740	7	SH		SOLE		7	0	0
Northrop Grumman Corp	COM	666807102	644,245	1,220	SH		SOLE		1,220	0	0
Novartis AG ADR	SPONSORED ADR	66987V109	619,038	5,382	SH		SOLE		5,382	0	0
Novo-Nordisk A/S ADR	ADR	670100205	106,210	892	SH		SOLE		892	0	0
Nvidia Corp	COM	67066G104	2,350,107	19,352	SH		SOLE		19,352	0	0
Occidental Pete Corp	COM	674599105	92,772	1,800	SH		SOLE		1,800	0	0
PNC Financial Services Group	COM	693475105	566,565	3,065	SH		SOLE		3,065	0	0
Palantir Technologies Inc	CL A	69608A108	20,051	539	SH		SOLE		539	0	0
Paychex Inc.	COM	704326107	8,320	62	SH		SOLE		62	0	0
Paypal Holdings Inc	COM	70450Y103	657,715	8,429	SH		SOLE		8,429	0	0
PepsiCo, Inc.	COM	713448108	1,611,734	9,478	SH		SOLE		9,478	0	0
Pfizer Inc	COM	717081103	50,124	1,732	SH		SOLE		1,732	0	0
Phillip Morris Intl, Inc.	COM	718172109	692,344	5,703	SH		SOLE		5,703	0	0
Pinnacle West Cap Corp	COM	723484101	63,785	720	SH		SOLE		720	0	0
Polaris Industries Inc	COM	731068102	8,324	100	SH		SOLE		100	0	0
T. Rowe Price Group	COM	74144T108	7,298	67	SH		SOLE		67	0	0
Procter & Gamble Co.	COM	742718109	1,411,234	8,148	SH		SOLE		8,148	0	0
Prologis Inc	COM	74340W103	632,915	5,012	SH		SOLE		5,012	0	0
Prudential Financial Inc.	COM	744320102	561,420	4,636	SH		SOLE		4,636	0	0
Qualcomm Inc	COM	747525103	547,561	3,220	SH		SOLE		3,220	0	0
Quest Diagnostics Inc.	COM	74834L100	593,521	3,823	SH		SOLE		3,823	0	0
RTX Corporation	COM	75513E101	953,287	7,868	SH		SOLE		7,868	0	0
Regions Financial Corp	COM	7591EP100	59,725	2,560	SH		SOLE		2,560	0	0
Rivian Automotive Inc Cl A	COM CL A	76954A103	561	50	SH		SOLE		50	0	0
Robert Half Inc	COM	770323103	6,404	95	SH		SOLE		95	0	0
Royal Bank Of Canada Corp	COM	780087102	3,991	32	SH		SOLE		32	0	0
Spdr Series Trust Nuveen Bloomberg High Yield Municipal Bond ETF	NUVEEN BLOOMBERG	78464A284	24,641	938	SH		SOLE		938	0	0
SPDR S&P 600 Small Cap Value ETF	S&P 600 SMCP VAL	78464A300	204,635	2,357	SH		SOLE		2,357	0	0
SPDR Portfolio Short Term Corp Bd ETF	PORTFOLIO SHORT	78464A474	48,024	1,586	SH		SOLE		1,586	0	0
SPDR S&P Midcap 400 ETF	UTSER1 S&PDCRP	78467Y107	1,351,803	2,373	SH		SOLE		2,373	0	0
Spdr Series Trust Bloomberg Short Term High Yield Bond ETF	BLOOMBERG SHT TE	78468R408	20,059	779	SH		SOLE		779	0	0
SPDR S&P Kensho Clean Power ETF	S&P KENSHO CLEAN	78468R655	2,237	34	SH		SOLE		34	0	0
Spdr S&p 500 Fossil Fuel Reserves Free Etf Res Fre	SPDR S&P 500 ETF	78468R796	88,594	1,875	SH		SOLE		1,875	0	0
Salesforce Inc	COM	79466L302	865,197	3,161	SH		SOLE		3,161	0	0
Schlumberger Ltd. ADR	COM STK	806857108	51,389	1,225	SH		SOLE		1,225	0	0
Charles Schwab Corp.	COM	808513105	644,341	9,942	SH		SOLE		9,942	0	0
Schwab US Large-Cap Growth ETF	US LCAP GR ETF	808524300	111,994	1,075	SH		SOLE		1,075	0	0
Schwab US Large-Cap Value ETF	US LCAP VA ETF	808524409	106,088	1,320	SH		SOLE		1,320	0	0
Schwab US Dividend Equity ETF	US DIVIDEND EQ	808524797	31,361	371	SH		SOLE		371	0	0
Schwab Intermediate Term US Treasury ETF	INT-TRM U.S TRES	808524854	25,148	497	SH		SOLE		497	0	0
Schwab Short-Term US Treasury ETF	SHT TM US TRES	808524862	26,253	536	SH		SOLE		536	0	0
Sonoco Products Co.	COM	835495102	27,315	500	SH		SOLE		500	0	0
Soundhound AI Inc Class A Corp	CLASS A COM	836100107	8,821	1,893	SH		SOLE		1,893	0	0
Southern Co	COM	842587107	67,274	746	SH		SOLE		746	0	0
Stanley Black & Decker Inc.	COM	854502101	110,130	1,000	SH		SOLE		1,000	0	0
Starbucks Corp	COM	855244109	566,514	5,811	SH		SOLE		5,811	0	0
Stryker Corp	COM	863667101	22,759	63	SH		SOLE		63	0	0
Supernus Pharmaceuticals Inc	COM	868459108	102,894	3,300	SH		SOLE		3,300	0	0
Sysco Corp	COM	871829107	98,121	1,257	SH		SOLE		1,257	0	0
TJX Companies	COM	872540109	47,016	400	SH		SOLE		400	0	0
T-Mobile US, Inc.	COM	872590104	57,574	279	SH		SOLE		279	0	0
Taiwan Semiconductor Manufacturing ADR	SPONSORED ADS	874039100	9,726	56	SH		SOLE		56	0	0
Target Corp	COM	87612E106	680,641	4,367	SH		SOLE		4,367	0	0
TC Energy Corp ADR	COM	87807B107	412,591	8,677	SH		SOLE		8,677	0	0
Tesla Motors Inc	COM	88160R101	613,522	2,345	SH		SOLE		2,345	0	0
Texas Instruments Inc	COM	882508104	119,604	579	SH		SOLE		579	0	0
Thermo Fisher Scientific Inc.	COM	883556102	761,460	1,231	SH		SOLE		1,231	0	0
Topbuild Corp.	COM	89055F103	45,156	111	SH		SOLE		111	0	0
Tractor Supply Co	COM	892356106	243,217	836	SH		SOLE		836	0	0
The Travelers Companies Inc.	COM	89417E109	72,109	308	SH		SOLE		308	0	0
Truist Financial Corporation	COM	89832Q109	423,209	9,895	SH		SOLE		9,895	0	0
US Bancorp	COM NEW	902973304	67,726	1,481	SH		SOLE		1,481	0	0
Uipath Inc Ordinary Shares - Class A	CL A	90364P105	5,094	398	SH		SOLE		398	0	0
Union Pacific Corp.	COM	907818108	1,488,739	6,040	SH		SOLE		6,040	0	0
United Parcel Service Inc.	CL B	911312106	75,260	552	SH		SOLE		552	0	0
United States Steel Corp.	COM	912909108	2,826	80	SH		SOLE		80	0	0
UnitedHealth Group Inc.	COM	91324P102	1,278,110	2,186	SH		SOLE		2,186	0	0
Unumprovident Corp	COM	91529Y106	594	10	SH		SOLE		10	0	0
VF Corp.	COM	918204108	54,264	2,720	SH		SOLE		2,720	0	0
VanEck Intermediate Muni ETF	INTRMDT MUNI ETF	92189H201	152,259	3,243	SH		SOLE		3,243	0	0
VanEck High Yield Muni ETF	HIGH YLD MUNIETF	92189H409	24,306	458	SH		SOLE		458	0	0
Vanguard Interm-Term Bond ETF	INTERMED TERM	921937819	162,539	2,074	SH		SOLE		2,074	0	0
Vanguard FTSE Developed Markets ETF	VAN FTSE DEV MKT	921943858	2,064,765	39,098	SH		SOLE		39,098	0	0
Vanguard High Dividend Yield ETF	HIGH DIV YLD	921946406	163,199	1,273	SH		SOLE		1,273	0	0
Vanguard FTSE Emerging Markets ETF	FTSE EMR MKT ETF	922042858	167,188	3,494	SH		SOLE		3,494	0	0
Vanguard S&P 500 ETF	S&P 500 ETF SHS	922908363	51,184	97	SH		SOLE		97	0	0
Vanguard Mid-Cap Value ETF	MCAP VL IDXVIP	922908512	11,234	67	SH		SOLE		67	0	0
Vanguard Real Estate ETF	REAL ESTATE ETF	922908553	727,143	7,464	SH		SOLE		7,464	0	0
Vanguard Small-Cap Value ETF	SM CP VAL ETF	922908611	180,702	900	SH		SOLE		900	0	0
Vanguard Mid-Cap ETF	MID CAP ETF	922908629	1,012,052	3,836	SH		SOLE		3,836	0	0
Verizon Communications Inc	COM	92343V104	647,602	14,420	SH		SOLE		14,420	0	0
Vertiv Holdings Co Class A	COM CL A	92537N108	5,173	52	SH		SOLE		52	0	0
Paramount Global	CLASS B COM	92556H206	46,855	4,412	SH		SOLE		4,412	0	0
Visa Inc.	COM CL A	92826C839	988,170	3,594	SH		SOLE		3,594	0	0
Vistra Corp	COM	92840M102	5,216	44	SH		SOLE		44	0	0
W. P. Carey Inc	COM	92936U109	10,280	165	SH		SOLE		165	0	0
Walmart Inc.	COM	931142103	1,626,790	20,146	SH		SOLE		20,146	0	0
Waste Conections, Inc ADR	COM	94106B101	46,851	262	SH		SOLE		262	0	0
Waste Management Inc.	COM	94106L109	55,429	267	SH		SOLE		267	0	0
Waters Corporation	COM	941848103	32,750	91	SH		SOLE		91	0	0
WEX Inc.	COM	96208T104	1,049	5	SH		SOLE		5	0	0
Williams Companies Inc.	COM	969457100	1,003,752	21,988	SH		SOLE		21,988	0	0
Zimmer Holdings, Inc.	COM	98956P102	7,557	70	SH		SOLE		70	0	0
Zoetis Inc	CL A	98978V103	489,622	2,506	SH		SOLE		2,506	0	0
Accenture PLC ADR	SHS CLASS A	G1151C101	75,291	213	SH		SOLE		213	0	0
Eaton Corp PLC ADR	SHS	G29183103	861,744	2,600	SH		SOLE		2,600	0	0
Linde PLC ADR	SHS	G54950103	135,905	285	SH		SOLE		285	0	0
Medtronic PLC ADR	SHS	G5960L103	639,753	7,106	SH		SOLE		7,106	0	0
TE Connectivity Plc ADR	ORD SHS	G87052109	566,062	3,749	SH		SOLE		3,749	0	0
Chubb Ltd ADR	COM	H1467J104	792,496	2,748	SH		SOLE		2,748	0	0
ASML Holding NV ADR Rep Corp	N Y REGISTRY SHS	N07059210	9,166	11	SH		SOLE		11	0	0