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
Estimated average burden
hours per response: 23.8
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   1,098,913 10,050 SH   SOLE   0 0 10,050
ABBOTT LABS COM 002824100   2,342,588 21,282 SH   SOLE   0 0 21,282
ABBVIE INC COM 00287Y109   1,395,505 9,005 SH   SOLE   0 0 9,005
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,094,488 3,119 SH   SOLE   0 0 3,119
ADOBE INC COM 00724F101   1,510,591 2,532 SH   SOLE   0 0 2,532
AFFIRM HLDGS INC COM CL A 00827B106   247,911 5,045 SH   SOLE   0 0 5,045
AFLAC INC COM 001055102   219,368 2,659 SH   SOLE   0 0 2,659
ALIGN TECHNOLOGY INC COM 016255101   201,664 736 SH   SOLE   0 0 736
ALLBIRDS INC COM CL A 01675A109   49,902 40,736 SH   SOLE   0 0 40,736
ALLSTATE CORP COM 020002101   217,882 1,556 SH   SOLE   0 0 1,556
ALPHABET INC CAP STK CL C 02079K107   6,382,526 45,288 SH   SOLE   0 0 45,288
ALPHABET INC CAP STK CL A 02079K305   11,550,547 82,687 SH   SOLE   0 0 82,687
AMAZON COM INC COM 023135106   4,640,798 30,543 SH   SOLE   0 0 30,543
AMERICAN EXPRESS CO COM 025816109   1,176,870 6,282 SH   SOLE   0 0 6,282
AMERICAN INTL GROUP INC COM NEW 026874784   367,002 5,417 SH   SOLE   0 0 5,417
AMERIPRISE FINL INC COM 03076C106   308,042 811 SH   SOLE   0 0 811
AMGEN INC COM 031162100   1,424,835 4,947 SH   SOLE   0 0 4,947
ANALOG DEVICES INC COM 032654105   209,878 1,057 SH   SOLE   0 0 1,057
APPLE INC COM 037833100   61,865,859 321,326 SH   SOLE   0 0 321,326
APPLIED MATLS INC COM 038222105   1,100,417 6,789 SH   SOLE   0 0 6,789
ASML HOLDING N V N Y REGISTRY SHS N07059210   237,672 314 SH   SOLE   0 0 314
AT&T INC COM 00206R102   278,345 16,587 SH   SOLE   0 0 16,587
AUTOMATIC DATA PROCESSING IN COM 053015103   367,394 1,577 SH   SOLE   0 0 1,577
BANK AMERICA CORP COM 060505104   1,562,423 46,404 SH   SOLE   0 0 46,404
BECTON DICKINSON & CO COM 075887109   288,695 1,184 SH   SOLE   0 0 1,184
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   356,660 1,000 SH Call SOLE   0 0 1,000
BERKSHIRE HATHAWAY INC DEL CL A 084670108   4,883,625 9 SH   SOLE   0 0 9
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   24,757,911 69,416 SH   SOLE   0 0 69,416
BILL HOLDINGS INC COM 090043100   21,385,147 262,105 SH   SOLE   0 0 262,105
BLACKROCK INC COM 09247X101   414,018 510 SH   SOLE   0 0 510
BOEING CO COM 097023105   415,575 1,594 SH   SOLE   0 0 1,594
BOOKING HOLDINGS INC COM 09857L108   219,928 62 SH   SOLE   0 0 62
BOX INC CL A 10316T104   225,266 8,796 SH   SOLE   0 0 8,796
BRISTOL-MYERS SQUIBB CO COM 110122108   431,859 8,416 SH   SOLE   0 0 8,416
BROADCOM INC COM 11135F101   1,143,041 1,024 SH   SOLE   0 0 1,024
CANADIAN PACIFIC KANSAS CITY COM 13646K108   957,100 12,106 SH   SOLE   0 0 12,106
CANGO INC ADS 137586103   19,380 19,000 SH   SOLE   0 0 19,000
CAPITAL ONE FINL CORP COM 14040H105   403,063 3,074 SH   SOLE   0 0 3,074
CATERPILLAR INC COM 149123101   866,570 2,930 SH   SOLE   0 0 2,930
CENCORA INC COM 03073E105   223,453 1,088 SH   SOLE   0 0 1,088
CHARGEPOINT HOLDINGS INC COM CL A 15961R105   1,170,000 500,000 SH   SOLE   0 0 500,000
CHARTER COMMUNICATIONS INC N CL A 16119P108   595,937 1,533 SH   SOLE   0 0 1,533
CHEVRON CORP NEW COM 166764100   2,893,992 19,401 SH   SOLE   0 0 19,401
CHUBB LIMITED COM H1467J104   220,802 977 SH   SOLE   0 0 977
CINCINNATI FINL CORP COM 172062101   3,544,714 34,261 SH   SOLE   0 0 34,261
CISCO SYS INC COM 17275R102   1,403,896 27,788 SH   SOLE   0 0 27,788
CLOROX CO DEL COM 189054109   260,511 1,826 SH   SOLE   0 0 1,826
CLOUDFLARE INC CL A COM 18915M107   1,313,177 15,772 SH   SOLE   0 0 15,772
COCA COLA CO COM 191216100   849,201 14,410 SH   SOLE   0 0 14,410
COMCAST CORP NEW CL A 20030N101   1,742,818 39,745 SH   SOLE   0 0 39,745
CONOCOPHILLIPS COM 20825C104   505,137 4,352 SH   SOLE   0 0 4,352
CONSTELLATION BRANDS INC CL A 21036P108   245,618 1,016 SH   SOLE   0 0 1,016
COSTCO WHSL CORP NEW COM 22160K105   1,447,555 2,193 SH   SOLE   0 0 2,193
COURSERA INC COM 22266M104   435,302 22,473 SH   SOLE   0 0 22,473
CSX CORP COM 126408103   299,861 8,649 SH   SOLE   0 0 8,649
CVS HEALTH CORP COM 126650100   289,546 3,667 SH   SOLE   0 0 3,667
DANAHER CORPORATION COM 235851102   1,524,204 6,588 SH   SOLE   0 0 6,588
DANIMER SCIENTIFIC INC COM CL A 236272100   12,087 11,850 SH   SOLE   0 0 11,850
DEERE & CO COM 244199105   565,672 1,414 SH   SOLE   0 0 1,414
DIAGEO PLC SPON ADR NEW 25243Q205   294,088 2,019 SH   SOLE   0 0 2,019
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   211,363 4,078 SH   SOLE   0 0 4,078
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   6,860,213 280,926 SH   SOLE   0 0 280,926
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   494,924 17,299 SH   SOLE   0 0 17,299
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   1,023,860 39,901 SH   SOLE   0 0 39,901
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   8,242,831 281,999 SH   SOLE   0 0 281,999
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   8,222,211 239,296 SH   SOLE   0 0 239,296
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   7,260,703 121,783 SH   SOLE   0 0 121,783
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   26,484,970 711,579 SH   SOLE   0 0 711,579
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   9,356,656 178,801 SH   SOLE   0 0 178,801
DISNEY WALT CO COM 254687106   1,751,191 19,394 SH   SOLE   0 0 19,394
DOCUSIGN INC COM 256163106   627,019 10,547 SH   SOLE   0 0 10,547
DOMINION ENERGY INC COM 25746U109   304,936 6,488 SH   SOLE   0 0 6,488
DUKE ENERGY CORP NEW COM NEW 26441C204   401,211 4,134 SH   SOLE   0 0 4,134
EATON CORP PLC SHS G29183103   260,326 1,081 SH   SOLE   0 0 1,081
ECOLAB INC COM 278865100   322,517 1,626 SH   SOLE   0 0 1,626
ELASTIC N V ORD SHS N14506104   800,170 7,100 SH   SOLE   0 0 7,100
ELEVANCE HEALTH INC COM 036752103   489,951 1,039 SH   SOLE   0 0 1,039
ELI LILLY & CO COM 532457108   413,846 709 SH   SOLE   0 0 709
EOG RES INC COM 26875P101   211,421 1,748 SH   SOLE   0 0 1,748
ESAB CORPORATION COM 29605J106   376,884 4,351 SH   SOLE   0 0 4,351
EXXON MOBIL CORP COM 30231G102   2,466,307 24,668 SH   SOLE   0 0 24,668
FEDEX CORP COM 31428X106   791,423 3,127 SH   SOLE   0 0 3,127
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   14,677,825 318,804 SH   SOLE   0 0 318,804
FLEXSHARES TR US QUALITY CAP 33939L746   240,007 4,531 SH   SOLE   0 0 4,531
FTC SOLAR INC COM 30320C103   11,085 16,000 SH   SOLE   0 0 16,000
GENERAL DYNAMICS CORP COM 369550108   1,215,515 4,681 SH   SOLE   0 0 4,681
GENERAL ELECTRIC CO COM NEW 369604301   624,810 4,895 SH   SOLE   0 0 4,895
GENUINE PARTS CO COM 372460105   211,905 1,530 SH   SOLE   0 0 1,530
GOLDMAN SACHS GROUP INC COM 38141G104   705,188 1,828 SH   SOLE   0 0 1,828
GRAINGER W W INC COM 384802104   213,802 258 SH   SOLE   0 0 258
HOME DEPOT INC COM 437076102   2,355,154 6,796 SH   SOLE   0 0 6,796
HONEYWELL INTL INC COM 438516106   516,306 2,462 SH   SOLE   0 0 2,462
HUNTINGTON BANCSHARES INC COM 446150104   473,756 37,245 SH   SOLE   0 0 37,245
ILLINOIS TOOL WKS INC COM 452308109   315,638 1,205 SH   SOLE   0 0 1,205
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800   5,117,380 162,922 SH   SOLE   0 0 162,922
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107   8,678,658 288,327 SH   SOLE   0 0 288,327
INTEL CORP COM 458140100   1,339,837 26,663 SH   SOLE   0 0 26,663
INTERCONTINENTAL EXCHANGE IN COM 45866F104   213,708 1,664 SH   SOLE   0 0 1,664
INTERNATIONAL BUSINESS MACHS COM 459200101   1,034,836 6,327 SH   SOLE   0 0 6,327
INTUIT COM 461202103   226,447 362 SH   SOLE   0 0 362
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   264,221 12,475 SH   SOLE   0 0 12,475
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   217,054 3,464 SH   SOLE   0 0 3,464
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   6,152,780 38,991 SH   SOLE   0 0 38,991
INVESCO EXCHANGE TRADED FD T AEROSPACE DEFN 46137V100   471,675 5,118 SH   SOLE   0 0 5,118
INVESCO QQQ TR UNIT SER 1 46090E103   2,339,997 5,714 SH   SOLE   0 0 5,714
ISHARES GOLD TR ISHARES NEW 464285204   290,188 7,435 SH   SOLE   0 0 7,435
ISHARES INC MSCI EQUAL WEITE 464286681   288,954 3,422 SH   SOLE   0 0 3,422
ISHARES INC MSCI EURZONE ETF 464286608   684,132 14,421 SH   SOLE   0 0 14,421
ISHARES INC MSCI JPN ETF NEW 46434G822   213,714 3,332 SH   SOLE   0 0 3,332
ISHARES INC MSCI GBL MIN VOL 464286525   262,751,228 2,618,332 SH   SOLE   0 0 2,618,332
ISHARES INC CORE MSCI EMKT 46434G103   53,489,987 1,057,530 SH   SOLE   0 0 1,057,530
ISHARES INC MSCI EMERG MRKT 464286533   1,958,903 35,238 SH   SOLE   0 0 35,238
ISHARES TR DOW JONES US ETF 464287846   3,466,068 29,744 SH   SOLE   0 0 29,744
ISHARES TR CORE S&P TTL STK 464287150   2,429,024 23,083 SH   SOLE   0 0 23,083
ISHARES TR MSCI GBL SUS DEV 46435G532   2,861,470 35,305 SH   SOLE   0 0 35,305
ISHARES TR U.S. REAL ES ETF 464287739   905,873 9,910 SH   SOLE   0 0 9,910
ISHARES TR RUS 2000 GRW ETF 464287648   757,669 3,004 SH   SOLE   0 0 3,004
ISHARES TR S&P SML 600 GWT 464287887   613,311 4,901 SH   SOLE   0 0 4,901
ISHARES TR CORE 1 5 YR USD 46432F859   835,915 17,576 SH   SOLE   0 0 17,576
ISHARES TR MSCI ACWI EX US 464288240   238,408 4,671 SH   SOLE   0 0 4,671
ISHARES TR CORE TOTAL USD 46434V613   815,715 17,706 SH   SOLE   0 0 17,706
ISHARES TR S&P MC 400VL ETF 464287705   589,017 5,165 SH   SOLE   0 0 5,165
ISHARES TR MODERT ALLOC ETF 464289875   2,572,375 61,970 SH   SOLE   0 0 61,970
ISHARES TR SHORT TREAS BD 464288679   2,074,299 18,835 SH   SOLE   0 0 18,835
ISHARES TR U.S. MED DVC ETF 464288810   438,776 8,130 SH   SOLE   0 0 8,130
ISHARES TR RUS MD CP GR ETF 464287481   1,286,216 12,313 SH   SOLE   0 0 12,313
ISHARES TR CORE S&P SCP ETF 464287804   2,462,968 22,752 SH   SOLE   0 0 22,752
ISHARES TR MSCI USA MIN VOL 46429B697   8,544,363 109,501 SH   SOLE   0 0 109,501
ISHARES TR RUS MDCP VAL ETF 464287473   201,065 1,729 SH   SOLE   0 0 1,729
ISHARES TR MSCI EAFE ETF 464287465   2,712,019 35,991 SH   SOLE   0 0 35,991
ISHARES TR EXPANDED TECH 464287515   228,375 563 SH   SOLE   0 0 563
ISHARES TR NATIONAL MUN ETF 464288414   22,029,346 203,204 SH   SOLE   0 0 203,204
ISHARES TR S&P 500 VAL ETF 464287408   752,128 4,324 SH   SOLE   0 0 4,324
ISHARES TR CORE S&P US GWT 464287671   2,939,992 28,242 SH   SOLE   0 0 28,242
ISHARES TR AGGRES ALLOC ETF 464289859   724,585 10,493 SH   SOLE   0 0 10,493
ISHARES TR GLOBAL REIT ETF 46434V647   1,817,345 75,159 SH   SOLE   0 0 75,159
ISHARES TR S&P 500 GRWT ETF 464287309   568,958 7,576 SH   SOLE   0 0 7,576
ISHARES TR CORE HIGH DV ETF 46429B663   236,005 2,314 SH   SOLE   0 0 2,314
ISHARES TR RUS 1000 VAL ETF 464287598   5,567,217 33,687 SH   SOLE   0 0 33,687
ISHARES TR MSCI EMG MKT ETF 464287234   2,834,265 70,485 SH   SOLE   0 0 70,485
ISHARES TR INTL SEL DIV ETF 464288448   395,331 14,124 SH   SOLE   0 0 14,124
ISHARES TR EAFE SML CP ETF 464288273   3,576,226 57,774 SH   SOLE   0 0 57,774
ISHARES TR HDG MSCI EAFE 46434V803   379,160 12,033 SH   SOLE   0 0 12,033
ISHARES TR MSCI USA QLT FCT 46432F339   241,898 1,644 SH   SOLE   0 0 1,644
ISHARES TR CORE DIV GRWTH 46434V621   1,329,946 24,711 SH   SOLE   0 0 24,711
ISHARES TR RUS 1000 GRW ETF 464287614   2,527,748 8,337 SH   SOLE   0 0 8,337
ISHARES TR ISHS 1-5YR INVS 464288646   307,753 6,002 SH   SOLE   0 0 6,002
ISHARES TR ESG AWR US AGRGT 46435U549   1,276,806 26,745 SH   SOLE   0 0 26,745
ISHARES TR CORE S&P500 ETF 464287200   71,883,409 150,494 SH   SOLE   0 0 150,494
ISHARES TR CORE US AGGBD ET 464287226   7,077,106 71,303 SH   SOLE   0 0 71,303
ISHARES TR CORE S&P US VLU 464287663   204,659,924 2,426,869 SH   SOLE   0 0 2,426,869
ISHARES TR MSCI ACWI ETF 464288257   13,363,959 131,315 SH   SOLE   0 0 131,315
ISHARES TR EAFE VALUE ETF 464288877   63,378,831 1,216,484 SH   SOLE   0 0 1,216,484
ISHARES TR SELECT DIVID ETF 464287168   752,670 6,421 SH   SOLE   0 0 6,421
ISHARES TR CORE MSCI EAFE 46432F842   26,190,905 372,290 SH   SOLE   0 0 372,290
ISHARES TR GRWT ALLOCAT ETF 464289867   24,677,697 463,952 SH   SOLE   0 0 463,952
ISHARES TR MSCI EAFE MIN VL 46429B689   10,826,262 156,133 SH   SOLE   0 0 156,133
ISHARES TR RUS 2000 VAL ETF 464287630   14,669,780 94,442 SH   SOLE   0 0 94,442
ISHARES TR CORE S&P MCP ETF 464287507   5,092,568 18,373 SH   SOLE   0 0 18,373
ISHARES TR MSCI LW CRB TG 46434V464   14,368,657 86,832 SH   SOLE   0 0 86,832
ISHARES TR RUS 1000 ETF 464287622   17,927,051 68,355 SH   SOLE   0 0 68,355
ISHARES TR RUSSELL 3000 ETF 464287689   7,500,085 27,398 SH   SOLE   0 0 27,398
ISHARES TR RUS MID CAP ETF 464287499   2,982,889 38,375 SH   SOLE   0 0 38,375
ISHARES TR RUSSELL 2000 ETF 464287655   9,455,129 47,105 SH   SOLE   0 0 47,105
JEFFERIES FINL GROUP INC COM 47233W109   252,280 6,243 SH   SOLE   0 0 6,243
JFROG LTD ORD SHS M6191J100   437,401 12,638 SH   SOLE   0 0 12,638
JOHNSON & JOHNSON COM 478160104   3,601,970 22,978 SH   SOLE   0 0 22,978
JOHNSON CTLS INTL PLC SHS G51502105   210,386 3,650 SH   SOLE   0 0 3,650
JPMORGAN CHASE & CO COM 46625H100   5,002,613 29,408 SH   SOLE   0 0 29,408
KINDER MORGAN INC DEL COM 49456B101   470,547 26,675 SH   SOLE   0 0 26,675
KRAFT HEINZ CO COM 500754106   248,617 6,723 SH   SOLE   0 0 6,723
LINDE PLC SHS G54950103   409,889 998 SH   SOLE   0 0 998
LOCKHEED MARTIN CORP COM 539830109   334,944 739 SH   SOLE   0 0 739
LOEWS CORP COM 540424108   396,872 5,703 SH   SOLE   0 0 5,703
LOWES COS INC COM 548661107   1,670,015 7,504 SH   SOLE   0 0 7,504
MARATHON OIL CORP COM 565849106   270,954 11,215 SH   SOLE   0 0 11,215
MARATHON PETE CORP COM 56585A102   1,377,968 9,288 SH   SOLE   0 0 9,288
MASTERCARD INCORPORATED CL A 57636Q104   1,512,629 3,545 SH   SOLE   0 0 3,545
MCDONALDS CORP COM 580135101   928,270 3,129 SH   SOLE   0 0 3,129
MCKESSON CORP COM 58155Q103   285,196 616 SH   SOLE   0 0 616
MEDTRONIC PLC SHS G5960L103   244,833 2,972 SH   SOLE   0 0 2,972
MERCK & CO INC COM 58933Y105   2,008,928 18,426 SH   SOLE   0 0 18,426
META PLATFORMS INC CL A 30303M102   4,149,119 11,722 SH   SOLE   0 0 11,722
METLIFE INC COM 59156R108   278,275 4,208 SH   SOLE   0 0 4,208
MICROSOFT CORP COM 594918104   18,560,632 49,355 SH   SOLE   0 0 49,355
MONDELEZ INTL INC CL A 609207105   204,325 2,821 SH   SOLE   0 0 2,821
MONROE CAP CORP COM 610335101   77,715 11,000 SH   SOLE   0 0 11,000
MORGAN STANLEY COM NEW 617446448   398,707 4,275 SH   SOLE   0 0 4,275
NETFLIX INC COM 64110L106   618,338 1,270 SH   SOLE   0 0 1,270
NEXTERA ENERGY INC COM 65339F101   480,818 7,916 SH   SOLE   0 0 7,916
NIKE INC CL B 654106103   751,742 6,924 SH   SOLE   0 0 6,924
NOKIA CORP SPONSORED ADR 654902204   78,660 23,000 SH   SOLE   0 0 23,000
NORFOLK SOUTHN CORP COM 655844108   203,512 860 SH   SOLE   0 0 860
NORTHROP GRUMMAN CORP COM 666807102   201,768 431 SH   SOLE   0 0 431
NOVARTIS AG SPONSORED ADR 66987V109   317,551 3,145 SH   SOLE   0 0 3,145
NOVO-NORDISK A S ADR 670100205   536,906 5,190 SH   SOLE   0 0 5,190
NVIDIA CORPORATION COM 67066G104   1,123,139 2,267 SH   SOLE   0 0 2,267
OCCIDENTAL PETE CORP COM 674599105   261,530 4,380 SH   SOLE   0 0 4,380
ORACLE CORP COM 68389X105   2,322,186 22,025 SH   SOLE   0 0 22,025
PALO ALTO NETWORKS INC COM 697435105   312,278 1,059 SH   SOLE   0 0 1,059
PARKER-HANNIFIN CORP COM 701094104   322,029 699 SH   SOLE   0 0 699
PAYCHEX INC COM 704326107   1,476,368 12,395 SH   SOLE   0 0 12,395
PEPSICO INC COM 713448108   3,361,643 19,793 SH   SOLE   0 0 19,793
PFIZER INC COM 717081103   1,251,694 43,476 SH   SOLE   0 0 43,476
PHILIP MORRIS INTL INC COM 718172109   333,325 3,543 SH   SOLE   0 0 3,543
PIONEER NAT RES CO COM 723787107   204,416 909 SH   SOLE   0 0 909
PROCTER AND GAMBLE CO COM 742718109   4,491,309 30,649 SH   SOLE   0 0 30,649
PROSHARES TR S&P 500 DV ARIST 74348A467   539,594 5,668 SH   SOLE   0 0 5,668
PROSHARES TR SHORT S&P 500 NE 74347B425   389,700 30,000 SH   SOLE   0 0 30,000
QUALCOMM INC COM 747525103   2,022,071 13,980 SH   SOLE   0 0 13,980
REALTY INCOME CORP COM 756109104   297,780 5,186 SH   SOLE   0 0 5,186
REGENERON PHARMACEUTICALS COM 75886F107   349,559 398 SH   SOLE   0 0 398
RESMED INC COM 761152107   228,959 1,331 SH   SOLE   0 0 1,331
RESTAURANT BRANDS INTL INC COM 76131D103   1,021,315 13,072 SH   SOLE   0 0 13,072
RIO TINTO PLC SPONSORED ADR 767204100   215,711 2,897 SH   SOLE   0 0 2,897
RLJ LODGING TR CUM CONV PFD A 74965L200   350,199 13,980 SH   SOLE   0 0 13,980
ROYAL BK CDA COM 780087102   3,268,016 32,315 SH   SOLE   0 0 32,315
RTX CORPORATION COM 75513E101   1,025,330 12,186 SH   SOLE   0 0 12,186
S&P GLOBAL INC COM 78409V104   398,230 904 SH   SOLE   0 0 904
SALESFORCE INC COM 79466L302   2,766,391 10,513 SH   SOLE   0 0 10,513
SCHWAB CHARLES CORP COM 808513105   1,826,090 26,542 SH   SOLE   0 0 26,542
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,173,486 15,580 SH   SOLE   0 0 15,580
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   578,161 12,401 SH   SOLE   0 0 12,401
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,182,297 16,865 SH   SOLE   0 0 16,865
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   4,873,532 86,408 SH   SOLE   0 0 86,408
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   289,267 6,123 SH   SOLE   0 0 6,123
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,379,725 24,784 SH   SOLE   0 0 24,784
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,176,285 15,451 SH   SOLE   0 0 15,451
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   6,522,333 193,367 SH   SOLE   0 0 193,367
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   24,933,178 918,686 SH   SOLE   0 0 918,686
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   515,269 2,677 SH   SOLE   0 0 2,677
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   10,492,130 279,046 SH   SOLE   0 0 279,046
SILGAN HLDGS INC COM 827048109   1,046,542 23,128 SH   SOLE   0 0 23,128
SNOWFLAKE INC CL A 833445109   826,049 4,151 SH   SOLE   0 0 4,151
SOFI TECHNOLOGIES INC COM 83406F102   155,548 15,633 SH   SOLE   0 0 15,633
SOLENO THERAPEUTICS INC COM 834203309   488,152 12,128 SH   SOLE   0 0 12,128
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   285,667 758 SH   SOLE   0 0 758
SPDR GOLD TR GOLD SHS 78463V107   608,876 3,185 SH   SOLE   0 0 3,185
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426   759,706 13,292 SH   SOLE   0 0 13,292
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863   410,332 15,036 SH   SOLE   0 0 15,036
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   292,732 9,217 SH   SOLE   0 0 9,217
SPDR S&P 500 ETF TR TR UNIT 78462F103   28,257,452 59,449 SH   SOLE   0 0 59,449
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,558,444 3,071 SH   SOLE   0 0 3,071
SPDR SER TR DJ REIT ETF 78464A607   289,296 3,035 SH   SOLE   0 0 3,035
SPDR SER TR S&P DIVID ETF 78464A763   1,428,457 11,430 SH   SOLE   0 0 11,430
STARBUCKS CORP COM 855244109   511,619 5,328 SH   SOLE   0 0 5,328
STRYKER CORPORATION COM 863667101   386,425 1,290 SH   SOLE   0 0 1,290
SYSCO CORP COM 871829107   211,126 2,887 SH   SOLE   0 0 2,887
TARGET CORP COM 87612E106   307,485 2,159 SH   SOLE   0 0 2,159
TCW TRANSFORM ETF TRUST TRANSFRM 500 ETF 29287L106   1,074,356 19,316 SH   SOLE   0 0 19,316
TESLA INC COM 88160R101   1,797,504 7,234 SH   SOLE   0 0 7,234
TEXAS INSTRS INC COM 882508104   263,361 1,545 SH   SOLE   0 0 1,545
THE CIGNA GROUP COM 125523100   363,740 1,214 SH   SOLE   0 0 1,214
THERMO FISHER SCIENTIFIC INC COM 883556102   977,715 1,842 SH   SOLE   0 0 1,842
TJX COS INC NEW COM 872540109   2,567,486 27,369 SH   SOLE   0 0 27,369
T-MOBILE US INC COM 872590104   282,982 1,765 SH   SOLE   0 0 1,765
TOTALENERGIES SE SPONSORED ADS 89151E109   303,210 4,500 SH   SOLE   0 0 4,500
TRAVELERS COMPANIES INC COM 89417E109   256,019 1,344 SH   SOLE   0 0 1,344
TRUIST FINL CORP COM 89832Q109   476,822 12,915 SH   SOLE   0 0 12,915
UNION PAC CORP COM 907818108   2,337,074 9,515 SH   SOLE   0 0 9,515
UNITED PARCEL SERVICE INC CL B 911312106   316,504 2,013 SH   SOLE   0 0 2,013
UNITEDHEALTH GROUP INC COM 91324P102   3,054,432 5,801 SH   SOLE   0 0 5,801
US BANCORP DEL COM NEW 902973304   1,534,882 35,464 SH   SOLE   0 0 35,464
VALERO ENERGY CORP COM 91913Y100   222,560 1,712 SH   SOLE   0 0 1,712
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   732,428 8,630 SH   SOLE   0 0 8,630
VANECK ETF TRUST PHARMACEUTCL ETF 92189F692   462,161 5,680 SH   SOLE   0 0 5,680
VANECK ETF TRUST BIOTECH ETF 92189F726   1,217,178 7,363 SH   SOLE   0 0 7,363
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   3,753,020 42,407 SH   SOLE   0 0 42,407
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,747,624 22,690 SH   SOLE   0 0 22,690
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   1,737,584 35,145 SH   SOLE   0 0 35,145
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   34,036,179 462,750 SH   SOLE   0 0 462,750
VANGUARD INDEX FDS TOTAL STK MKT 922908769   21,926,628 92,427 SH   SOLE   0 0 92,427
VANGUARD INDEX FDS SM CP VAL ETF 922908611   135,122,429 750,786 SH   SOLE   0 0 750,786
VANGUARD INDEX FDS GROWTH ETF 922908736   3,403,514 10,948 SH   SOLE   0 0 10,948
VANGUARD INDEX FDS MID CAP ETF 922908629   1,281,846 5,510 SH   SOLE   0 0 5,510
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   66,452,359 152,089 SH   SOLE   0 0 152,089
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,296,613 5,363 SH   SOLE   0 0 5,363
VANGUARD INDEX FDS LARGE CAP ETF 922908637   2,305,078 10,565 SH   SOLE   0 0 10,565
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   249,127 1,718 SH   SOLE   0 0 1,718
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,587,009 40,593 SH   SOLE   0 0 40,593
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   606,710 3,690 SH   SOLE   0 0 3,690
VANGUARD INDEX FDS SMALL CP ETF 922908751   6,557,301 30,734 SH   SOLE   0 0 30,734
VANGUARD INDEX FDS VALUE ETF 922908744   13,523,471 90,458 SH   SOLE   0 0 90,458
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   4,303,278 104,700 SH   SOLE   0 0 104,700
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   1,826,837 42,893 SH   SOLE   0 0 42,893
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   18,140,699 323,133 SH   SOLE   0 0 323,133
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   12,452,309 108,250 SH   SOLE   0 0 108,250
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   495,882 4,820 SH   SOLE   0 0 4,820
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   281,033,142 5,505,055 SH   SOLE   0 0 5,505,055
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   3,013,312 41,540 SH   SOLE   0 0 41,540
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   614,859 7,947 SH   SOLE   0 0 7,947
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   1,189,990 20,401 SH   SOLE   0 0 20,401
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   165,808,464 973,008 SH   SOLE   0 0 973,008
VANGUARD STAR FDS VG TL INTL STK F 921909768   269,436 4,648 SH   SOLE   0 0 4,648
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   6,923,443 144,538 SH   SOLE   0 0 144,538
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   957,674 8,579 SH   SOLE   0 0 8,579
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   211,478 843 SH   SOLE   0 0 843
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   609,489 2,765 SH   SOLE   0 0 2,765
VANGUARD WORLD FDS INF TECH ETF 92204A702   10,572,012 21,843 SH   SOLE   0 0 21,843
VANGUARD WORLD FDS MATERIALS ETF 92204A801   568,870 2,995 SH   SOLE   0 0 2,995
VERIZON COMMUNICATIONS INC COM 92343V104   457,759 12,142 SH   SOLE   0 0 12,142
VISA INC COM CL A 92826C839   1,737,177 6,672 SH   SOLE   0 0 6,672
WALMART INC COM 931142103   809,960 5,137 SH   SOLE   0 0 5,137
WASTE MGMT INC DEL COM 94106L109   381,483 2,130 SH   SOLE   0 0 2,130
WELLS FARGO CO NEW COM 949746101   1,296,799 26,347 SH   SOLE   0 0 26,347
WISDOMTREE TR EMER MKT HIGH FD 97717W315   22,616,648 555,963 SH   SOLE   0 0 555,963
WISDOMTREE TR US LARGECAP DIVD 97717W307   2,989,224 45,032 SH   SOLE   0 0 45,032
ZOETIS INC CL A 98978V103   346,779 1,757 SH   SOLE   0 0 1,757