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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
A T & T INC COM G1151C101   529,350 30,000 SH   SOLE   0 0 30,000
ALIBABA GROUP HLDG LTD FSPONSORED ADR 1 ADR REPS 8 ORD SHS SPONSORED ADS 01609W102   356,920 4,950 SH   SOLE   0 0 4,950
ALPHABET INC. CLASS C CAP STK CL C 02079K107   286,493 1,870 SH   SOLE   0 0 1,870
AMAZON.COM INC COM 023135106   460,296 2,534 SH   SOLE   0 0 2,534
AMBEV S A FSPONSORED ADR 1 ADR REPS 1 ORD SHS SPONSORED ADR 02319V103   81,200 33,008 SH   SOLE   0 0 33,008
AMGEN INC. COM 031162100   252,764 939 SH   SOLE   0 0 939
ANTERO MIDSTREAM CORP COM 03676B102   806,441 56,256 SH   SOLE   0 0 56,256
ANTERO RESOURCES COR COM 03674X106   556,135 19,187 SH   SOLE   0 0 19,187
APPLE INC COM 037833100   742,468 4,375 SH   SOLE   0 0 4,375
BERKSHIRE HATHAWAY CLASS B CL B NEW 846700702   1,370,433 3,287 SH   SOLE   0 0 3,287
BLACKROCK MUNIVEST CF COM 09253R105   151,271 21,907 SH   SOLE   0 0 21,907
BLACKSKY TECHNOLOGY INC COM CL A 09263B108   35,858 25,984 SH   SOLE   0 0 25,984
CAPITAL GROUP GLOBAL GRWT EQY ETF SHS CREATION UNI 14020G101   116,916 4,100 SH   SOLE   0 0 4,100
CHARLES SCHWAB CORP COM 808513105   330,186 4,628 SH   SOLE   0 0 4,628
CHARLES SCHWAB US MC ETF US MID-CAP ETF 808524508   16,750,358 210,405 SH   SOLE   0 0 210,405
COMCAST CORP CLASS A CL A 20030N101   608,214 14,811 SH   SOLE   0 0 14,811
EXXON MOBIL CORP COM 30231G102   255,487 2,140 SH   SOLE   0 0 2,140
FEDEX CORP COM 31428X106   293,887 1,068 SH   SOLE   0 0 1,068
FIDELITY TOTAL BOND ETF TOTAL BD ETF 316188309   2,013,310 44,685 SH   SOLE   0 0 44,685
IMMUNOME INC COM 45257U108   414,600 20,000 SH   SOLE   0 0 20,000
INVESCO S AND P 500 GARPETF S&P 500 GARP ETF 46137V431   206,978 1,967 SH   SOLE   0 0 1,967
INVSC BLTSH 2024 HGH YLDCRP BND ETF BULSHS 2024 HY 46138J833   4,711,904 207,389 SH   SOLE   0 0 207,389
INVSC BULTSH 2025 HG YLDCRP BND ETF BULSHS 2025 HY 46138J817   748,869 32,697 SH   SOLE   0 0 32,697
INVSC QQQ TRUST SRS 1 ETF IV UNIT SER 1 46090E103   1,378,985 3,151 SH   SOLE   0 0 3,151
INVSC S P 500 EQUAL WEIGHT ETF 46137V274 04613V274   1,112,545 6,713 SH   SOLE   0 0 6,713
ISHARES 10-20 YEAR TREASURY BOND ETF 10-20 YR TRS ETF 464288653   412,041 4,001 SH   SOLE   0 0 4,001
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842   2,154,672 29,371 SH   SOLE   0 0 29,371
ISHARES CORE MSCI EMERGING ETF MSCI EMERG MRKT 464286533   302,666 5,831 SH   SOLE   0 0 5,831
ISHARES CORE MSCI PACIFIC ETF CORE MSCI PAC 46434V696   1,367,845 21,925 SH   SOLE   0 0 21,925
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200   2,132,088 4,118 SH   SOLE   0 0 4,118
ISHARES CORE S&P SMALL-CAP ETF CORE S&P SCP ETF 046487804   933,585 8,694 SH   SOLE   0 0 8,694
ISHARES CORE S&P US GROWTH ETF CORE S&P US GWT 464287671   942,035 8,131 SH   SOLE   0 0 8,131
ISHARES CORE S&P US VALUE ETF S&P 500 VAL ETF 464287408   3,333,440 37,659 SH   SOLE   0 0 37,659
ISHARES CORE US AGGREGATE BOND ETF CORE US AGGBD ET 464287226   9,320,027 95,973 SH   SOLE   0 0 95,973
ISHARES ESG AWARE US AGGRGT BND ETF ESG AWR US AGRGT 46435U549   294,753 6,317 SH   SOLE   0 0 6,317
ISHARES IBONDS TERM TREASURY ETF US TREAS BD ETF 46438F101   13,280,443 595,956 SH   SOLE   0 0 595,956
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465   2,150,550 27,253 SH   SOLE   0 0 27,253
ISHARES MSCI USA MIN VOLFCTR ETF MSCI USA ESG SLC 46429B697   426,862 5,196 SH   SOLE   0 0 5,196
ISHARES NATIONAL MUNI BOND ETF NATIONAL MUN ETF 464288414   925,670 8,668 SH   SOLE   0 0 8,668
ISHARES RUSSELL 1000 ETF RUS 1000 ETF 464287622   900,525 3,176 SH   SOLE   0 0 3,176
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655   699,317 3,425 SH   SOLE   0 0 3,425
ISHARES RUSSELL MID CAP ETF RUS MID CAP ETF 464287499   2,465,069 29,979 SH   SOLE   0 0 29,979
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408   262,606 1,435 SH   SOLE   0 0 1,435
ISHARES S&P MID CAP 400 GRWTH ETF S&P MC 400GR ETF 464287606   476,643 5,338 SH   SOLE   0 0 5,338
ISHARES TOTAL USD BOND MARKET ETF USD BD FACTR ETF 46436E452   1,281,973 28,353 SH   SOLE   0 0 28,353
ISHS MSCI INTL QUALITY FACT ETF MSCI INTL QUALTY 46434V456   1,965,768 50,346 SH   SOLE   0 0 50,346
JPMORGAN CHASE & CO COM 46625H100   310,526 1,578 SH   SOLE   0 0 1,578
KINDER MORGAN INC COM 49456B101   211,578 11,480 SH   SOLE   0 0 11,480
META PLATFORMS INC CLASS A CL A 30303M102   271,773 526 SH   SOLE   0 0 526
MICROSOFT CORP COM 594918104   1,104,320 2,625 SH   SOLE   0 0 2,625
NEW YORK CMNTY BANCO COM 649445103   173,340 54,000 SH   SOLE   0 0 54,000
NIKE INC CLASS B CL B 654106103   251,170 2,821 SH   SOLE   0 0 2,821
NUVEEN MUNICIPAL CREDIT COM SH BEN INT 67070X101   153,110 12,780 SH   SOLE   0 0 12,780
NVIDIA CORP COM 67066G104   938,699 1,080 SH   SOLE   0 0 1,080
ORACLE CORP COM 68389X105   1,233,548 9,873 SH   SOLE   0 0 9,873
PIMCO ACTIVE BOND ETF ACTIVE BD ETF 07221R775   6,928,161 76,154 SH   SOLE   0 0 76,154
REDWIRE CORP COM 75776W103   86,276 20,000 SH   SOLE   0 0 20,000
SALESFORCE INC COM 79466L302   1,379,733 4,675 SH   SOLE   0 0 4,675
SCHWAB EMERGING MARKETS EQUITY ETF EMRG MKTEQ ETF 808524706   3,196,309 125,591 SH   SOLE   0 0 125,591
SCHWAB INTERNATIONAL EQUITY ETF INTL EQT ETF 808524806   18,766,687 486,120 SH   SOLE   0 0 486,120
SCHWAB INTERNATNAL SMALLCAP EQY ETF INTL SCEQT ETF 808524888   749,225 21,128 SH   SOLE   0 0 21,128
SCHWAB SHORT TERM US TREASURY ETF SHT TM US TRES 808524862   1,188,897 24,740 SH   SOLE   0 0 24,740
SCHWAB US BROAD MARKET ETF US BRD MKT ETF 808524102   691,881 11,529 SH   SOLE   0 0 11,529
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797   12,594,461 159,645 SH   SOLE   0 0 159,645
SCHWAB US LARGE CAP ETF US LRG CAP ETF 808524201   12,199,384 199,662 SH   SOLE   0 0 199,662
SCHWAB US LARGE CAP GROWTH ETF US LCAP GR ETF 808524300   24,035,089 262,563 SH   SOLE   0 0 262,563
SCHWAB US LARGE CAP VALUE ETF US LCAP VA ETF 808524409   16,050,461 215,616 SH   SOLE   0 0 215,616
SCHWAB US SMALL CAP ETF US SML CAP ETF 808524607   8,602,689 180,028 SH   SOLE   0 0 180,028
SCHWAB US TIPS ETF US TIPS ETF 808524870   385,489 7,431 SH   SOLE   0 0 7,431
SELECT SECTOR HEALTH CARE SPDR ETF SBI HEALTHCARE 81369Y209   1,206,275 8,461 SH   SOLE   0 0 8,461
SPDR DOUBLELINE TTL RTRNTTCL ETF SPDR TR TACTIC 78467V848   12,907,185 325,240 SH   SOLE   0 0 325,240
SPDR PORTFOLIO S&P 400 MID CAP ETF S&P 400 MDCP GRW 78464A821   201,467 3,872 SH   SOLE   0 0 3,872
SPDR S&P 400 MID CAP GROWTH ETF S&P 400 MDCP GRW 78464A839   393,653 4,613 SH   SOLE   0 0 4,613
SPDR S&P 500 ETF PORTFOLIO S&P500 78464A854   216,942 421 SH   SOLE   0 0 421
STRYKER CORP COM 863667101   393,443 1,130 SH   SOLE   0 0 1,130
TESLA INC COM 88160R101   295,269 1,724 SH   SOLE   0 0 1,724
TEXAS INSTRUMENTS COM 882508104   277,688 1,642 SH   SOLE   0 0 1,642
VANECK FALLEN ANGEL HIGHYLD BND ETF FALLEN ANGEL HG 92189F437   2,681,250 93,277 SH   SOLE   0 0 93,277
VANECK MORNINGSTAR SMID MOAT ETF MORNINGSTAR SMID 92189H730   9,027,529 272,776 SH   SOLE   0 0 272,776
VANECK MORNINGSTAR WIDE MOAT ETF MRNGSTR WDE MOAT 92189F643   9,358,059 106,990 SH   SOLE   0 0 106,990
VANGUARD ESG INTERNATNL STOCK ETF ESG INTL STK ETF 921910725   381,248 6,692 SH   SOLE   0 0 6,692
VANGUARD ESG US STOCK ETF ESG US STK ETF 921910733   665,369 7,282 SH   SOLE   0 0 7,282
VANGUARD FTSE ALL WORLD EX US ETF ALLWRLD EX US 922042775   277,269 4,756 SH   SOLE   0 0 4,756
VANGUARD FTSE DEVELOPED MARKETS ETF VAN FTSE DEV MKT 921943858   838,439 16,892 SH   SOLE   0 0 16,892
VANGUARD GROWTH ETF GROWTH ETF 922908736   411,179 1,210 SH   SOLE   0 0 1,210
VANGUARD HIGH DIVIDEND YIELD ETF INTL DVD ETF 921946810   525,159 4,417 SH   SOLE   0 0 4,417
VANGUARD INFORMATION TECHNOLOGY ETF INF TECH ETF 92204A702   270,636 525 SH   SOLE   0 0 525
VANGUARD INTERMEDIATE TERM BOND ETF INTERMED TERM 921937819   1,809,622 24,210 SH   SOLE   0 0 24,210
VANGUARD INTL DIVDEND APRECTN ETF IV INTL DVD ETF 921946810   2,193,741 27,358 SH   SOLE   0 0 27,358
VANGUARD LARGE CAP ETF LARGE CAP ETF 922908637   448,186 1,895 SH   SOLE   0 0 1,895
VANGUARD MUNI BND TAX EXEMPT ETF TAX EXEMPT BD 922907746   1,818,030 36,298 SH   SOLE   0 0 36,298
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363   8,405,809 17,754 SH   SOLE   0 0 17,754
VANGUARD SMALL CAP ETF SMALL CP ETF 922908751   2,246,654 10,108 SH   SOLE   0 0 10,108
VANGUARD TOTAL INTERNATIONAL STK ETF ESG INTL STK ETF 921910725   339,926 5,668 SH   SOLE   0 0 5,668
VANGUARD TOTAL STOCK MARKET ETF TOTAL STK MKT 922908769   7,087,592 27,727 SH   SOLE   0 0 27,727
VANGUARD VALUE ETF VALUE ETF 922908744   622,774 3,894 SH   SOLE   0 0 3,894
WALT DISNEY CO COM 254687106   319,075 2,710 SH   SOLE   0 0 2,710
WSDMTRE EMRG MKT EX STT OWN ENTER ET EMERGING MARKETS 97717Y642   1,009,971 34,114 SH   SOLE   0 0 34,114