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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
ALPHABET INC CAP STK CL C 02079K107   263,700 2,000 SH   SOLE   2,000 0 0
ALPHABET INC CAP STK CL A 02079K305   261,720 2,000 SH   SOLE   2,000 0 0
APARTMENT INCOME REIT CORP COM 03750L109   1,696,390 55,257 SH   SOLE   55,257 0 0
APPLE INC COM 037833100   561,127 3,277 SH   SOLE   3,277 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   2,125,908 4 SH   SOLE   4 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,719,973 4,910 SH   SOLE   4,910 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   288,698 11,019 SH   SOLE   11,019 0 0
ECOLAB INC COM 278865100   601,671 3,552 SH   SOLE   3,552 0 0
EXXON MOBIL CORP COM 30231G102   1,359,225 11,560 SH   SOLE   11,560 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   849,145 56,799 SH   SOLE   56,799 0 0
INVESCO EXCH TRADED FD TR II SHORT TERM TREAS 46138G888   633,000 6,000 SH   SOLE   6,000 0 0
ISHARES INC EM MKT SM-CP ETF 464286475   12,446,179 227,952 SH   SOLE   227,952 0 0
ISHARES TR GL CLEAN ENE ETF 464288224   527,066 36,051 SH   SOLE   36,051 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   1,424,700 20,609 SH   SOLE   20,609 0 0
ISHARES TR USD GRN BOND ETF 46435U440   475,038 10,526 SH   SOLE   10,526 0 0
MICROSOFT CORP COM 594918104   328,856 1,042 SH   SOLE   1,042 0 0
MICROSTRATEGY INC CL A NEW 594972408   4,924,200 15,000 SH   SOLE   15,000 0 0
NORWEGIAN CRUISE LINE HLDG L SHS G66721104   3,296,000 200,000 SH   SOLE   200,000 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   120,756,222 1,205,874 SH   SOLE   1,205,874 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,156,572 42,620 SH   SOLE   42,620 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   665,548 19,598 SH   SOLE   19,598 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   30,408,428 942,897 SH   SOLE   942,897 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   402,396 8,403 SH   SOLE   8,403 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   402,265 8,391 SH   SOLE   8,391 0 0
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756   431,744 8,073 SH   SOLE   8,073 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739   225,464 4,877 SH   SOLE   4,877 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721   508,056 11,626 SH   SOLE   11,626 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   798,331 16,691 SH   SOLE   16,691 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   837,649 6,073 SH   SOLE   6,073 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   49,795,064 234,429 SH   SOLE   234,429 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   1,078,267 5,178 SH   SOLE   5,178 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   16,374,791 216,426 SH   SOLE   216,426 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   264,432,962 1,351,285 SH   SOLE   1,351,285 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   38,840,650 205,430 SH   SOLE   205,430 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   1,392,866 5,115 SH   SOLE   5,115 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   252,437 2,377 SH   SOLE   2,377 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   27,684,907 706,068 SH   SOLE   706,068 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   108,676,750 2,485,745 SH   SOLE   2,485,745 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   204,574 1,980 SH   SOLE   1,980 0 0