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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   386,279 3,675 SH   SOLE   3,675 0 0
ABB LTD SPONSORED ADR 000375204   1,347,990 39,300 SH   SOLE   39,300 0 0
ABBOTT LABS COM 002824100   1,952,900 19,286 SH   SOLE   19,286 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   218,930 766 SH   SOLE   766 0 0
AGILENT TECHNOLOGIES INC COM 00846U101   1,041,009 7,525 SH   SOLE   7,525 0 0
ALPHABET INC CAP STK CL C 02079K107   2,850,432 27,408 SH   SOLE   27,408 0 0
AMAZON COM INC COM 023135106   473,275 4,582 SH   SOLE   4,582 0 0
AMERICAN TOWER CORP NEW COM 03027X100   342,270 1,675 SH   SOLE   1,675 0 0
ANALOG DEVICES INC COM 032654105   1,179,376 5,980 SH   SOLE   5,980 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108   301,953 4,525 SH   SOLE   4,525 0 0
APPLE INC COM 037833100   11,912,470 72,241 SH   SOLE   72,241 0 0
AT&T INC COM 00206R102   203,280 10,560 SH   SOLE   10,560 0 0
AUTOLIV INC COM 052800109   385,577 4,130 SH   SOLE   4,130 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,253,403 7,298 SH   SOLE   7,298 0 0
BOEING CO COM 097023105   279,345 1,315 SH   SOLE   1,315 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   575,273 8,300 SH   SOLE   8,300 0 0
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101   455,895 13,500 SH   SOLE   13,500 0 0
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   454,292 19,590 SH   SOLE   19,590 0 0
CHEVRON CORP NEW COM 166764100   1,274,932 7,814 SH   SOLE   7,814 0 0
COCA COLA CO COM 191216100   378,135 6,096 SH   SOLE   6,096 0 0
COMCAST CORP NEW CL A 20030N101   1,175,286 31,002 SH   SOLE   31,002 0 0
CONOCOPHILLIPS COM 20825C104   948,448 9,560 SH   SOLE   9,560 0 0
CSX CORP COM 126408103   1,312,719 43,845 SH   SOLE   43,845 0 0
DANAHER CORPORATION COM 235851102   1,376,138 5,460 SH   SOLE   5,460 0 0
EXXON MOBIL CORP COM 30231G102   1,324,035 12,074 SH   SOLE   12,074 0 0
FIRST TR NAS100 EQ WEIGHTED SHS 337344105   352,364 3,501 SH   SOLE   3,501 0 0
FLEXSHARES TR STOX US ESG SLCT 33939L696   1,463,487 14,735 SH   SOLE   14,735 0 0
GENERAL ELECTRIC CO COM NEW 369604301   344,351 3,602 SH   SOLE   3,602 0 0
HOME DEPOT INC COM 437076102   224,198 760 SH   SOLE   760 0 0
ILLINOIS TOOL WKS INC COM 452308109   1,301,727 5,347 SH   SOLE   5,347 0 0
INTEL CORP COM 458140100   320,885 9,822 SH   SOLE   9,822 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   581,646 4,437 SH   SOLE   4,437 0 0
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198   215,888 4,120 SH   SOLE   4,120 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   3,682,229 11,474 SH   SOLE   11,474 0 0
ISHARES INC MSCI EMERG MRKT 464286533   1,391,371 25,497 SH   SOLE   25,497 0 0
ISHARES TR IBONDS DEC 26 46435U259   893,550 35,000 SH   SOLE   35,000 0 0
ISHARES TR IBONDS DEC 46435U697   958,484 37,050 SH   SOLE   37,050 0 0
ISHARES TR IBONDS DEC2023 46435G318   948,666 37,305 SH   SOLE   37,305 0 0
ISHARES TR INTL DIV GRWTH 46435G524   406,154 6,700 SH   SOLE   6,700 0 0
ISHARES TR IBONDS DEC 27 46435U283   798,171 31,350 SH   SOLE   31,350 0 0
ISHARES TR COHEN STEER REIT 464287564   321,021 5,780 SH   SOLE   5,780 0 0
ISHARES TR IBONDS DEC 28 46435U325   384,000 15,000 SH   SOLE   15,000 0 0
ISHARES TR U.S. TECH ETF 464287721   1,460,458 15,736 SH   SOLE   15,736 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   1,548,844 39,251 SH   SOLE   39,251 0 0
ISHARES TR TIPS BD ETF 464287176   214,988 1,950 SH   SOLE   1,950 0 0
ISHARES TR MSCI USA ESG SLC 464288802   4,876,940 55,565 SH   SOLE   55,565 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   12,338,754 124,345 SH   SOLE   124,345 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   7,553,114 105,138 SH   SOLE   105,138 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   3,794,773 52,169 SH   SOLE   52,169 0 0
ISHARES TR MORNINGSTAR GRWT 464287119   235,275 4,250 SH   SOLE   4,250 0 0
ISHARES TR ESG AWARE MSCI 46435U663   209,888 6,175 SH   SOLE   6,175 0 0
ISHARES TR US HLTHCARE ETF 464287762   273,060 1,000 SH   SOLE   1,000 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   228,518 3,689 SH   SOLE   3,689 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   210,716 929 SH   SOLE   929 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689   932,217 13,780 SH   SOLE   13,780 0 0
ISHARES TR IBONDS DEC 25 46435U432   915,384 34,400 SH   SOLE   34,400 0 0
ISHARES TR CORE S&P500 ETF 464287200   6,083,974 14,800 SH   SOLE   14,800 0 0
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   3,090,731 74,963 SH   SOLE   74,963 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   2,427,711 47,799 SH   SOLE   47,799 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   8,016,932 159,319 SH   SOLE   159,319 0 0
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   14,231,691 300,310 SH   SOLE   300,310 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   300,300 5,500 SH   SOLE   5,500 0 0
JOHNSON & JOHNSON COM 478160104   1,104,530 7,126 SH   SOLE   7,126 0 0
JPMORGAN CHASE & CO COM 46625H100   2,040,264 15,657 SH   SOLE   15,657 0 0
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303   354,247 19,305 SH   SOLE   19,305 0 0
LILLY ELI & CO COM 532457108   367,459 1,070 SH   SOLE   1,070 0 0
MASTERCARD INCORPORATED CL A 57636Q104   1,275,569 3,510 SH   SOLE   3,510 0 0
META PLATFORMS INC CL A 30303M102   250,089 1,180 SH   SOLE   1,180 0 0
MICROSOFT CORP COM 594918104   4,126,542 14,313 SH   SOLE   14,313 0 0
NORFOLK SOUTHN CORP COM 655844108   1,249,952 5,896 SH   SOLE   5,896 0 0
ORACLE CORP COM 68389X105   510,317 5,492 SH   SOLE   5,492 0 0
PEPSICO INC COM 713448108   968,378 5,312 SH   SOLE   5,312 0 0
PFIZER INC COM 717081103   1,318,272 32,311 SH   SOLE   32,311 0 0
PHILLIPS 66 COM 718546104   599,156 5,910 SH   SOLE   5,910 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   3,586,300 36,134 SH   SOLE   36,134 0 0
PIMCO HIGH INCOME FD COM SHS 722014107   74,016 15,517 SH   SOLE   15,517 0 0
PROCTER AND GAMBLE CO COM 742718109   462,575 3,111 SH   SOLE   3,111 0 0
QUALCOMM INC COM 747525103   1,196,445 9,378 SH   SOLE   9,378 0 0
SCHLUMBERGER LTD COM STK 806857108   392,800 8,000 SH   SOLE   8,000 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   616,508 9,460 SH   SOLE   9,460 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   19,107,832 261,179 SH   SOLE   261,179 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   2,396,316 49,236 SH   SOLE   49,236 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   3,363,191 61,238 SH   SOLE   61,238 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   504,499 10,430 SH   SOLE   10,430 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   229,624 4,895 SH   SOLE   4,895 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   3,307,230 67,785 SH   SOLE   67,785 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   659,527 1,611 SH   SOLE   1,611 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   365,811 798 SH   SOLE   798 0 0
SPDR SER TR RUSSELL YIELD 78468R770   694,088 7,360 SH   SOLE   7,360 0 0
STARBUCKS CORP COM 855244109   484,205 4,650 SH   SOLE   4,650 0 0
TESLA INC COM 88160R101   493,755 2,380 SH   SOLE   2,380 0 0
THE CIGNA GROUP COM 125523100   430,568 1,685 SH   SOLE   1,685 0 0
UNION PAC CORP COM 907818108   1,386,681 6,890 SH   SOLE   6,890 0 0
UNITEDHEALTH GROUP INC COM 91324P102   2,044,897 4,327 SH   SOLE   4,327 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   484,533 1,841 SH   SOLE   1,841 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,139,218 41,041 SH   SOLE   41,041 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   10,034,857 47,577 SH   SOLE   47,577 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,510,969 11,270 SH   SOLE   11,270 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,659,537 8,131 SH   SOLE   8,131 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   10,732,405 43,026 SH   SOLE   43,026 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   492,097 2,525 SH   SOLE   2,525 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   14,306,341 75,471 SH   SOLE   75,471 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,166,648 13,647 SH   SOLE   13,647 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,199,664 14,447 SH   SOLE   14,447 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   746,188 18,470 SH   SOLE   18,470 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,068,369 21,089 SH   SOLE   21,089 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   18,294,884 118,790 SH   SOLE   118,790 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   2,457,397 44,510 SH   SOLE   44,510 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   20,352,653 450,579 SH   SOLE   450,579 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   4,416,601 71,293 SH   SOLE   71,293 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   379,906 3,601 SH   SOLE   3,601 0 0
VISA INC COM CL A 92826C839   2,070,850 9,185 SH   SOLE   9,185 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669   2,315,993 37,151 SH   SOLE   37,151 0 0
WP CAREY INC COM 92936U109   232,350 3,000 SH   SOLE   3,000 0 0