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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109 420 2,741 SH   SOLE   0 0 2,741
ALPHABET INC CAP STK CL C 02079K107 993 454 SH   SOLE   0 0 454
ALPHABET INC CAP STK CL A 02079K305 1,421 652 SH   SOLE   0 0 652
AMAZON COM INC COM 023135106 527 4,960 SH   SOLE   0 0 4,960
APPLE INC COM 037833100 1,659 12,137 SH   SOLE   0 0 12,137
AT&T INC COM 00206R102 237 11,325 SH   SOLE   0 0 11,325
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 927 3,396 SH   SOLE   0 0 3,396
DANAHER CORPORATION COM 235851102 251 992 SH   SOLE   0 0 992
ETF SER SOLUTIONS DEFIANCE NEXT 26922A289 535 16,988 SH   SOLE   0 0 16,988
EXXON MOBIL CORP COM 30231G102 279 3,262 SH   SOLE   0 0 3,262
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 315 2,349 SH   SOLE   0 0 2,349
INVESCO QQQ TR UNIT SER 1 46090E103 280 1,000 SH   SOLE   0 0 1,000
ISHARES TR RUS 1000 VAL ETF 464287598 337 2,322 SH   SOLE   0 0 2,322
ISHARES TR MSCI EAFE ETF 464287465 39,582 633,418 SH   SOLE   0 0 633,418
ISHARES TR RUS MID CAP ETF 464287499 1,743 26,956 SH   SOLE   0 0 26,956
ISHARES TR U.S. TECH ETF 464287721 209 2,612 SH   SOLE   0 0 2,612
ISHARES TR MSCI EMG MKT ETF 464287234 12,266 305,895 SH   SOLE   0 0 305,895
JOHNSON & JOHNSON COM 478160104 2,603 14,665 SH   SOLE   0 0 14,665
LILLY ELI & CO COM 532457108 1,386 4,274 SH   SOLE   0 0 4,274
META PLATFORMS INC CL A 30303M102 292 1,813 SH   SOLE   0 0 1,813
MICROSOFT CORP COM 594918104 2,437 9,488 SH   SOLE   0 0 9,488
NIKE INC CL B 654106103 262 2,567 SH   SOLE   0 0 2,567
NVIDIA CORPORATION COM 67066G104 309 2,040 SH   SOLE   0 0 2,040
PEPSICO INC COM 713448108 346 2,078 SH   SOLE   0 0 2,078
PROCTER AND GAMBLE CO COM 742718109 280 1,948 SH   SOLE   0 0 1,948
PROSHARES TR S&P 500 DV ARIST 74348A467 475 5,561 SH   SOLE   0 0 5,561
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 107,083 2,423,238 SH   SOLE   0 0 2,423,238
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 717 16,056 SH   SOLE   0 0 16,056
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 276 3,824 SH   SOLE   0 0 3,824
SPDR S&P 500 ETF TR TR UNIT 78462F103 434 1,150 SH   SOLE   0 0 1,150
TESLA INC COM 88160R101 245 364 SH   SOLE   0 0 364
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,281 29,703 SH   SOLE   0 0 29,703
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,058 13,628 SH   SOLE   0 0 13,628
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 962 12,781 SH   SOLE   0 0 12,781
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 967 12,131 SH   SOLE   0 0 12,131
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 2,660 53,696 SH   SOLE   0 0 53,696
VANGUARD INDEX FDS TOTAL STK MKT 922908769 8,711 46,183 SH   SOLE   0 0 46,183
VANGUARD INDEX FDS VALUE ETF 922908744 260 1,968 SH   SOLE   0 0 1,968
VANGUARD INDEX FDS MID CAP ETF 922908629 238 1,208 SH   SOLE   0 0 1,208
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,637 63,309 SH   SOLE   0 0 63,309
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 3,884 45,516 SH   SOLE   0 0 45,516
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 38,505 771,341 SH   SOLE   0 0 771,341
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 645 8,462 SH   SOLE   0 0 8,462
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 687 14,368 SH   SOLE   0 0 14,368
VANGUARD STAR FDS VG TL INTL STK F 921909768 239 4,630 SH   SOLE   0 0 4,630
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 7,709 188,952 SH   SOLE   0 0 188,952
VERIZON COMMUNICATIONS INC COM 92343V104 259 5,104 SH   SOLE   0 0 5,104
VISA INC COM CL A 92826C839 454 2,306 SH   SOLE   0 0 2,306