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
23ANDME HOLDING CO CLASS A COM 90138Q108 519 181,313 SH   SOLE   0 0 181,313
3M CO COM 88579Y101 214 1,935 SH   SOLE   0 0 1,935
ABBOTT LABS COM 002824100 269 2,775 SH   SOLE   0 0 2,775
ABBVIE INC COM 00287Y109 336 2,500 SH   SOLE   0 0 2,500
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 338 1,314 SH   SOLE   0 0 1,314
ADOBE SYSTEMS INCORPORATED COM 00724F101 351 1,275 SH   SOLE   0 0 1,275
ALKERMES PLC SHS G01767105 226 10,100 SH   SOLE   0 0 10,100
ALLEGHANY CORP MD COM 017175100 303 361 SH   SOLE   0 0 361
ALPHABET INC CAP STK CL A 02079K305 1,198 12,530 SH   SOLE   0 0 12,530
ALPHABET INC CAP STK CL C 02079K107 379 3,940 SH   SOLE   0 0 3,940
ALPS ETF TR ALERIAN MLP 00162Q452 249 6,815 SH   SOLE   0 0 6,814
AMAZON COM INC COM 023135106 2,239 19,817 SH   SOLE   0 0 19,817
AMERICAN TOWER CORP NEW COM 03027X100 249 1,161 SH   SOLE   0 0 1,161
AMERIPRISE FINL INC COM 03076C106 230 913 SH   SOLE   0 0 913
AMGEN INC COM 031162100 216 960 SH   SOLE   0 0 960
ANSYS INC COM 03662Q105 216 974 SH   SOLE   0 0 974
APPLE INC COM 037833100 647 4,682 SH   SOLE   0 0 4,682
ATMOS ENERGY CORP COM 049560105 210 2,060 SH   SOLE   0 0 2,060
AUTODESK INC COM 052769106 218 1,166 SH   SOLE   0 0 1,166
BANCO SANTANDER S.A. ADR 05964H105 49 21,038 SH   SOLE   0 0 21,038
BAXTER INTL INC COM 071813109 332 6,161 SH   SOLE   0 0 6,161
BUTTERFLY NETWORK INC COM CL A 124155102 49 10,383 SH   SOLE   0 0 10,383
CAPITAL ONE FINL CORP COM 14040H105 210 2,275 SH   SOLE   0 0 2,275
CENTRAL SECS CORP COM 155123102 688 20,402 SH   SOLE   0 0 20,402
CHIMERA INVT CORP COM NEW 16934Q208 115 22,087 SH   SOLE   0 0 22,087
COCA COLA CO COM 191216100 211 3,769 SH   SOLE   0 0 3,769
CORTEVA INC COM 22052L104 331 5,799 SH   SOLE   0 0 5,799
COSTAR GROUP INC COM 22160N109 276 3,964 SH   SOLE   0 0 3,964
COSTCO WHSL CORP NEW COM 22160K105 435 922 SH   SOLE   0 0 922
COTERRA ENERGY INC COM 127097103 217 8,309 SH   SOLE   0 0 8,309
CROWN CASTLE INC COM 22822V101 265 1,832 SH   SOLE   0 0 1,832
CUE HEALTH INC COM 229790100 123 40,962 SH   SOLE   0 0 40,962
CULLEN FROST BANKERS INC COM 229899109 209 1,581 SH   SOLE   0 0 1,581
DANAHER CORPORATION COM 235851102 322 1,248 SH   SOLE   0 0 1,248
DENTSPLY SIRONA INC COM 24906P109 403 14,230 SH   SOLE   0 0 14,230
EQUITY COMWLTH COM SH BEN INT 294628102 293 12,026 SH   SOLE   0 0 12,026
ETSY INC COM 29786A106 261 2,607 SH   SOLE   0 0 2,607
EVOLV TECHNOLOGIES HLDNGS IN COM CL A 30049H102 43 20,268 SH   SOLE   0 0 20,268
FARFETCH LTD ORD SH CL A 30744W107 1,118 150,000 SH   SOLE   0 0 150,000
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302 2,347 18,593 SH   SOLE   0 0 18,593
FLEXSHARES TR READY ACC VARI 33939L886 398 5,345 SH   SOLE   0 0 5,345
FLEXSHARES TR MORNSTAR UPSTR 33939L407 376 10,001 SH   SOLE   0 0 10,001
HEALTHCARE RLTY TR CL A COM 42226K105 241 11,575 SH   SOLE   0 0 11,575
INTUIT COM 461202103 209 539 SH   SOLE   0 0 539
INVESCO QQQ TR UNIT SER 1 46090E103 493 1,846 SH   SOLE   0 0 1,846
ISHARES INC CORE MSCI EMKT 46434G103 471 10,953 SH   SOLE   0 0 10,953
ISHARES TR NATIONAL MUN ETF 464288414 380 3,705 SH   SOLE   0 0 3,704
ISHARES TR CORE DIV GRWTH 46434V621 2,672 60,092 SH   SOLE   0 0 60,091
ISHARES TR MSCI USA MIN VOL 46429B697 13,713 207,455 SH   SOLE   0 0 207,455
ISHARES TR CORE S&P SCP ETF 464287804 8,432 96,703 SH   SOLE   0 0 96,702
ISHARES TR MSCI EAFE ETF 464287465 14,514 259,134 SH   SOLE   0 0 259,133
ISHARES TR RUS 1000 GRW ETF 464287614 343 1,632 SH   SOLE   0 0 1,632
ISHARES TR CORE S&P MCP ETF 464287507 13,868 63,248 SH   SOLE   0 0 63,247
ISHARES TR MSCI ACWI ETF 464288257 139,534 1,792,811 SH   SOLE   0 0 1,792,811
ISHARES TR MSCI INTL VLU FT 46435G409 36,931 1,869,942 SH   SOLE   0 0 1,869,941
ISHARES TR RUS MID CAP ETF 464287499 5,508 88,624 SH   SOLE   0 0 88,624
ISHARES TR RUSSELL 3000 ETF 464287689 84,245 406,902 SH   SOLE   0 0 406,901
ISHARES TR CORE MSCI EAFE 46432F842 26,690 506,731 SH   SOLE   0 0 506,731
ISHARES TR RUSSELL 2000 ETF 464287655 2,997 18,172 SH   SOLE   0 0 18,172
ISHARES TR 3 7 YR TREAS BD 464288661 13,747 120,289 SH   SOLE   0 0 120,289
ISHARES TR CORE S&P500 ETF 464287200 4,552 12,692 SH   SOLE   0 0 12,691
JOHNSON & JOHNSON COM 478160104 348 2,130 SH   SOLE   500 0 1,630
KIMBERLY-CLARK CORP COM 494368103 303 2,690 SH   SOLE   0 0 2,690
LENNAR CORP CL A 526057104 219 2,941 SH   SOLE   0 0 2,941
LIVEONE INC COM 53814X102 27 37,503 SH   SOLE   0 0 37,503
MARQETA INC CLASS A COM 57142B104 195 27,374 SH   SOLE   0 0 27,374
MARTIN MARIETTA MATLS INC COM 573284106 232 719 SH   SOLE   0 0 719
MASTERCARD INCORPORATED CL A 57636Q104 611 2,150 SH   SOLE   0 0 2,150
MICROCHIP TECHNOLOGY INC. COM 595017104 219 3,582 SH   SOLE   0 0 3,582
MICROSOFT CORP COM 594918104 1,875 8,051 SH   SOLE   0 0 8,051
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104 89 19,833 SH   SOLE   0 0 19,833
MUELLER WTR PRODS INC COM SER A 624758108 135 13,147 SH   SOLE   0 0 13,147
NIKE INC CL B 654106103 207 2,490 SH   SOLE   0 0 2,490
NORTHERN TR CORP COM 665859104 270 3,150 SH   SOLE   0 0 3,150
NU HLDGS LTD ORD SHS CL A G6683N103 62 14,050 SH   SOLE   0 0 14,050
ONEMAIN HLDGS INC COM 68268W103 544 18,422 SH   SOLE   0 0 18,422
OSCAR HEALTH INC CL A 687793109 162 32,429 SH   SOLE   0 0 32,429
PARKER-HANNIFIN CORP COM 701094104 222 916 SH   SOLE   0 0 916
PAYPAL HLDGS INC COM 70450Y103 331 3,843 SH   SOLE   0 0 3,843
PNC FINL SVCS GROUP INC COM 693475105 201 1,345 SH   SOLE   0 0 1,345
QUALCOMM INC COM 747525103 206 1,820 SH   SOLE   0 0 1,820
RLX TECHNOLOGY INC SPONSORED ADS 74969N103 17 16,483 SH   SOLE   0 0 16,483
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 6,737 300,760 SH   SOLE   0 0 300,760
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7,951 282,668 SH   SOLE   0 0 282,667
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 64,236 1,529,800 SH   SOLE   0 0 1,529,800
SENTINELONE INC CL A 81730H109 201 7,874 SH   SOLE   0 0 7,874
SJW GROUP COM 784305104 208 3,612 SH   SOLE   0 0 3,612
SMITH & NEPHEW PLC SPDN ADR NEW 83175M205 336 14,486 SH   SOLE   0 0 14,486
SNOWFLAKE INC CL A 833445109 340 1,998 SH   SOLE   0 0 1,998
SPDR S&P 500 ETF TR TR UNIT 78462F103 83,040 232,487 SH   SOLE   0 0 232,486
SPDR SER TR S&P BIOTECH 78464A870 3,470 43,741 SH   SOLE   0 0 43,741
SPDR SER TR PRTFLO S&P500 GW 78464A409 26,660 532,130 SH   SOLE   0 0 532,130
STARBUCKS CORP COM 855244109 260 3,088 SH   SOLE   0 0 3,088
STRYKER CORPORATION COM 863667101 225 1,113 SH   SOLE   0 0 1,113
TRAVELERS COMPANIES INC COM 89417E109 298 1,946 SH   SOLE   0 0 1,946
UNITEDHEALTH GROUP INC COM 91324P102 476 942 SH   SOLE   0 0 942
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201 338 7,774 SH   SOLE   0 0 7,773
VANGUARD INDEX FDS TOTAL STK MKT 922908769 43,681 243,389 SH   SOLE   0 0 243,389
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 6,820 85,075 SH   SOLE   0 0 85,074
VANGUARD INDEX FDS VALUE ETF 922908744 63,638 515,371 SH   SOLE   0 0 515,371
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 214 5,862 SH   SOLE   0 0 5,862
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 9,583 199,063 SH   SOLE   0 0 199,062
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,588 71,176 SH   SOLE   0 0 71,175
VULCAN MATLS CO COM 929160109 466 2,957 SH   SOLE   0 0 2,957
XCEL ENERGY INC COM 98389B100 208 3,247 SH   SOLE   0 0 3,247
ZOETIS INC CL A 98978V103 277 1,867 SH   SOLE   0 0 1,867