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
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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
ABBVIE INC COM 00287Y109   387,483 2,876 SH   SOLE   0 0 2,876
ALPHABET INC CAP STK CL C 02079K107   1,069,375 8,840 SH   SOLE   0 0 8,840
ALPHABET INC CAP STK CL A 02079K305   1,489,592 12,444 SH   SOLE   0 0 12,444
AMAZON COM INC COM 023135106   667,205 5,118 SH   SOLE   0 0 5,118
APPLE INC COM 037833100   2,436,263 12,560 SH   SOLE   0 0 12,560
AT&T INC COM 00206R102   193,617 12,139 SH   SOLE   0 0 12,139
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,070,058 3,138 SH   SOLE   0 0 3,138
CISCO SYS INC COM 17275R102   205,201 3,966 SH   SOLE   0 0 3,966
CLOROX CO DEL COM 189054109   2,540,028 15,971 SH   SOLE   0 0 15,971
DANAHER CORPORATION COM 235851102   238,080 992 SH   SOLE   0 0 992
ETF SER SOLUTIONS DEFIANCE NEXT 26922A289   991,235 29,446 SH   SOLE   0 0 29,446
EXXON MOBIL CORP COM 30231G102   401,866 3,747 SH   SOLE   0 0 3,747
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   346,417 2,315 SH   SOLE   0 0 2,315
INVESCO QQQ TR UNIT SER 1 46090E103   369,420 1,000 SH   SOLE   0 0 1,000
ISHARES TR CORE S&P500 ETF 464287200   208,592 468 SH   SOLE   0 0 468
ISHARES TR RUS 1000 VAL ETF 464287598   366,481 2,322 SH   SOLE   0 0 2,322
ISHARES TR MSCI EAFE ETF 464287465   44,242,255 610,238 SH   SOLE   0 0 610,238
ISHARES TR RUS MID CAP ETF 464287499   1,968,597 26,956 SH   SOLE   0 0 26,956
ISHARES TR U.S. TECH ETF 464287721   284,368 2,612 SH   SOLE   0 0 2,612
ISHARES TR MSCI EMG MKT ETF 464287234   12,281,125 310,443 SH   SOLE   0 0 310,443
ISHARES TR CORE S&P TTL STK 464287150   271,995 2,780 SH   SOLE   0 0 2,780
JOHNSON & JOHNSON COM 478160104   2,379,154 14,374 SH   SOLE   0 0 14,374
LILLY ELI & CO COM 532457108   1,925,163 4,105 SH   SOLE   0 0 4,105
META PLATFORMS INC CL A 30303M102   437,071 1,523 SH   SOLE   0 0 1,523
MICROSOFT CORP COM 594918104   3,237,173 9,506 SH   SOLE   0 0 9,506
NIKE INC CL B 654106103   282,658 2,561 SH   SOLE   0 0 2,561
NVIDIA CORPORATION COM 67066G104   806,276 1,906 SH   SOLE   0 0 1,906
PEPSICO INC COM 713448108   415,263 2,242 SH   SOLE   0 0 2,242
PROCTER AND GAMBLE CO COM 742718109   295,590 1,948 SH   SOLE   0 0 1,948
PROSHARES TR ULTRASHRT S&P500 74347G416   7,321 10,000 SH Call SOLE   0 0 10,000
PROSHARES TR ULTRASHRT S&P500 74347G416   13,250 10,000 SH Call SOLE   0 0 10,000
PROSHARES TR S&P 500 DV ARIST 74348A467   504,775 5,354 SH   SOLE   0 0 5,354
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   119,583,125 2,313,020 SH   SOLE   0 0 2,313,020
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   283,626 3,824 SH   SOLE   0 0 3,824
SPDR S&P 500 ETF TR TR UNIT 78462F103   465,887 1,051 SH   SOLE   0 0 1,051
TESLA INC COM 88160R101   284,544 1,087 SH   SOLE   0 0 1,087
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   21,158,089 279,980 SH   SOLE   0 0 279,980
VANGUARD BD INDEX FDS INTERMED TERM 921937819   10,024,698 133,254 SH   SOLE   0 0 133,254
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,371,515 18,868 SH   SOLE   0 0 18,868
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   9,510,644 126,944 SH   SOLE   0 0 126,944
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   22,034,860 450,795 SH   SOLE   0 0 450,795
VANGUARD INDEX FDS VALUE ETF 922908744   279,653 1,968 SH   SOLE   0 0 1,968
VANGUARD INDEX FDS MID CAP ETF 922908629   264,632 1,202 SH   SOLE   0 0 1,202
VANGUARD INDEX FDS TOTAL STK MKT 922908769   9,478,869 43,031 SH   SOLE   0 0 43,031
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,679,864 139,623 SH   SOLE   0 0 139,623
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,586,787 16,362 SH   SOLE   0 0 16,362
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   39,521,533 786,968 SH   SOLE   0 0 786,968
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   5,291,433 69,937 SH   SOLE   0 0 69,937
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   5,337,553 116,059 SH   SOLE   0 0 116,059
VANGUARD STAR FDS VG TL INTL STK F 921909768   318,703 5,683 SH   SOLE   0 0 5,683
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   12,033,723 260,583 SH   SOLE   0 0 260,583
VISA INC COM CL A 92826C839   471,398 1,985 SH   SOLE   0 0 1,985