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
ABBVIE INC COM 00287Y109 368 2,741 SH   SOLE   0 0 2,741
ALPHABET INC CAP STK CL C 02079K107 850 8,840 SH   SOLE   0 0 8,840
ALPHABET INC CAP STK CL A 02079K305 1,199 12,530 SH   SOLE   0 0 12,530
AMAZON COM INC COM 023135106 546 4,832 SH   SOLE   0 0 4,832
APPLE INC COM 037833100 1,591 11,510 SH   SOLE   0 0 11,510
AT&T INC COM 00206R102 174 11,324 SH   SOLE   0 0 11,324
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 872 3,267 SH   SOLE   0 0 3,267
DANAHER CORPORATION COM 235851102 256 992 SH   SOLE   0 0 992
ETF SER SOLUTIONS DEFIANCE NEXT 26922A289 486 17,034 SH   SOLE   0 0 17,034
EXXON MOBIL CORP COM 30231G102 266 3,047 SH   SOLE   0 0 3,047
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 299 2,349 SH   SOLE   0 0 2,349
INVESCO QQQ TR UNIT SER 1 46090E103 267 1,000 SH   SOLE   0 0 1,000
ISHARES TR RUS 1000 VAL ETF 464287598 316 2,322 SH   SOLE   0 0 2,322
ISHARES TR MSCI EAFE ETF 464287465 35,462 633,141 SH   SOLE   0 0 633,141
ISHARES TR RUS MID CAP ETF 464287499 1,675 26,956 SH   SOLE   0 0 26,956
ISHARES TR MSCI EMG MKT ETF 464287234 10,665 305,766 SH   SOLE   0 0 305,766
JOHNSON & JOHNSON COM 478160104 2,454 15,023 SH   SOLE   0 0 15,023
LILLY ELI & CO COM 532457108 1,356 4,195 SH   SOLE   0 0 4,195
META PLATFORMS INC CL A 30303M102 250 1,842 SH   SOLE   0 0 1,842
MICROSOFT CORP COM 594918104 2,182 9,367 SH   SOLE   0 0 9,367
NIKE INC CL B 654106103 213 2,561 SH   SOLE   0 0 2,561
PEPSICO INC COM 713448108 339 2,078 SH   SOLE   0 0 2,078
PROCTER AND GAMBLE CO COM 742718109 246 1,948 SH   SOLE   0 0 1,948
PROSHARES TR S&P 500 DV ARIST 74348A467 445 5,561 SH   SOLE   0 0 5,561
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 101,626 2,420,252 SH   SOLE   0 0 2,420,252
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 680 16,056 SH   SOLE   0 0 16,056
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 255 3,824 SH   SOLE   0 0 3,824
SPDR S&P 500 ETF TR TR UNIT 78462F103 500 1,400 SH   SOLE   0 0 1,400
TESLA INC COM 88160R101 262 988 SH   SOLE   0 0 988
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,178 29,116 SH   SOLE   0 0 29,116
VANGUARD BD INDEX FDS INTERMED TERM 921937819 989 13,462 SH   SOLE   0 0 13,462
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 915 12,822 SH   SOLE   0 0 12,822
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 873 12,138 SH   SOLE   0 0 12,138
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 2,539 53,197 SH   SOLE   0 0 53,197
VANGUARD INDEX FDS TOTAL STK MKT 922908769 8,288 46,183 SH   SOLE   0 0 46,183
VANGUARD INDEX FDS VALUE ETF 922908744 243 1,968 SH   SOLE   0 0 1,968
VANGUARD INDEX FDS MID CAP ETF 922908629 227 1,208 SH   SOLE   0 0 1,208
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,308 63,254 SH   SOLE   0 0 63,254
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 3,590 45,516 SH   SOLE   0 0 45,516
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 37,132 771,341 SH   SOLE   0 0 771,341
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 615 8,273 SH   SOLE   0 0 8,273
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 636 14,111 SH   SOLE   0 0 14,111
VANGUARD STAR FDS VG TL INTL STK F 921909768 225 4,916 SH   SOLE   0 0 4,916
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 6,967 191,603 SH   SOLE   0 0 191,603
VISA INC COM CL A 92826C839 349 1,962 SH   SOLE   0 0 1,962