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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AT&T INC COM 00206R102   903,771 53,860 SH   SOLE   0 0 53,860
ABBOTT LABS COM 002824100   1,062,055 9,649 SH   SOLE   0 0 9,649
ABBVIE INC COM 00287Y109   1,465,040 9,454 SH   SOLE   0 0 9,454
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   2,116,268 6,031 SH   SOLE   0 0 6,031
ADOBE INC COM 00724F101   1,931,343 3,237 SH   SOLE   0 0 3,237
ADVANCED MICRO DEVICES INC COM 007903107   1,384,818 9,394 SH   SOLE   0 0 9,394
AEGON LTD AMER REG 1 CERT 0076CA104   137,201 23,820 SH   SOLE   0 0 23,820
AFLAC INC COM 001055102   324,556 3,934 SH   SOLE   0 0 3,934
AGILENT TECHNOLOGIES INC COM 00846U101   217,774 1,564 SH   SOLE   0 0 1,564
AIR PRODS & CHEMS INC COM 009158106   460,540 1,671 SH   SOLE   0 0 1,671
AIRBNB INC COM CL A 009066101   3,428,414 25,183 SH   SOLE   0 0 25,183
AKAMAI TECHNOLOGIES INC COM 00971T101   243,564 2,058 SH   SOLE   0 0 2,058
ALIGN TECHNOLOGY INC COM 016255101   228,154 833 SH   SOLE   0 0 833
ALLSTATE CORP COM 020002101   341,278 2,423 SH   SOLE   0 0 2,423
ALPHABET INC CAP STK CL A 02079K305   5,080,118 36,367 SH   SOLE   0 0 36,367
ALPHABET INC CAP STK CL C 02079K107   7,991,350 56,704 SH   SOLE   0 0 56,704
ALTRIA GROUP INC COM 02209S103   247,634 5,993 SH   SOLE   0 0 5,993
AMAZON COM INC COM 023135106   12,010,124 79,045 SH   SOLE   0 0 79,045
AMERICAN ELEC PWR CO INC COM 025537101   214,579 2,642 SH   SOLE   0 0 2,642
AMERICAN EXPRESS CO COM 025816109   1,097,947 5,861 SH   SOLE   0 0 5,861
AMERIPRISE FINL INC COM 03076C106   589,526 1,552 SH   SOLE   0 0 1,552
CENCORA INC COM 03073E105   588,100 2,863 SH   SOLE   0 0 2,863
AMERICAN TOWER CORP NEW COM 03027X100   734,722 3,377 SH   SOLE   0 0 3,377
AMETEK INC COM 031100100   243,418 1,476 SH   SOLE   0 0 1,476
AMGEN INC COM 031162100   1,078,178 3,743 SH   SOLE   0 0 3,743
AMPHENOL CORP NEW CL A 032095101   421,590 4,244 SH   SOLE   0 0 4,244
ANALOG DEVICES INC COM 032654105   830,428 4,182 SH   SOLE   0 0 4,182
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108   651,468 10,082 SH   SOLE   0 0 10,082
ANSYS INC COM 03662Q105   211,922 584 SH   SOLE   0 0 584
ELEVANCE HEALTH INC COM 036752103   947,849 2,010 SH   SOLE   0 0 2,010
AON PLC SHS CL A G0403H108   317,333 1,090 SH   SOLE   0 0 1,090
APPLE INC COM 037833100   26,075,030 135,434 SH   SOLE   0 0 135,434
APPLIED MATLS INC COM 038222105   1,095,898 6,762 SH   SOLE   0 0 6,762
ARISTA NETWORKS INC COM 040413106   290,384 1,233 SH   SOLE   0 0 1,233
ASML HOLDING N V N Y REGISTRY SHS N07059210   1,819,941 2,404 SH   SOLE   0 0 2,404
ASTRAZENECA PLC SPONSORED ADR 046353108   566,688 8,414 SH   SOLE   0 0 8,414
ATARA BIOTHERAPEUTICS INC COM 046513107   5,641 11,000 SH   SOLE   0 0 11,000
AUTOMATIC DATA PROCESSING IN COM 053015103   914,616 3,903 SH   SOLE   0 0 3,903
AUTODESK INC COM 052769106   325,776 1,338 SH   SOLE   0 0 1,338
AUTOZONE INC COM 053332102   504,194 195 SH   SOLE   0 0 195
BAKER HUGHES COMPANY CL A 05722G100   225,793 6,606 SH   SOLE   0 0 6,606
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   464,838 51,025 SH   SOLE   0 0 51,025
BANCO SANTANDER S.A. ADR 05964H105   172,203 41,595 SH   SOLE   0 0 41,595
BANK AMERICA CORP COM 060505104   1,478,245 43,904 SH   SOLE   0 0 43,904
BARCLAYS PLC ADR 06738E204   288,561 36,619 SH   SOLE   0 0 36,619
BECTON DICKINSON & CO COM 075887109   364,703 1,496 SH   SOLE   0 0 1,496
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   6,542,571 18,344 SH   SOLE   0 0 18,344
BHP GROUP LTD SPONSORED ADS 088606108   424,994 6,222 SH   SOLE   0 0 6,222
BLACKROCK INC COM 09247X101   856,378 1,055 SH   SOLE   0 0 1,055
BOEING CO COM 097023105   14,417,626 55,312 SH   SOLE   0 0 55,312
BOOKING HOLDINGS INC COM 09857L108   794,380 224 SH   SOLE   0 0 224
BOSTON SCIENTIFIC CORP COM 101137107   244,710 4,233 SH   SOLE   0 0 4,233
BP PLC SPONSORED ADR 055622104   252,253 7,126 SH   SOLE   0 0 7,126
BRISTOL-MYERS SQUIBB CO COM 110122108   448,773 8,746 SH   SOLE   0 0 8,746
BROADCOM INC COM 11135F101   3,738,710 3,349 SH   SOLE   0 0 3,349
BROOKFIELD INFRASTRUCTURE CO COM SB VTG SHS A 11275Q107   10,445,047 296,061 SH   SOLE   0 0 296,061
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101   37,949,336 1,205,123 SH   SOLE   0 0 1,205,123
BROOKFIELD RENEWABLE PARTNER PARTNERSHIP UNIT G16258108   36,929,990 1,405,251 SH   SOLE   0 0 1,405,251
BROOKFIELD RENEWABLE CORP CL A SUB VTG 11284V105   8,103,572 281,472 SH   SOLE   0 0 281,472
BROWN FORMAN CORP CL B 115637209   263,754 4,602 SH   SOLE   0 0 4,602
CADENCE DESIGN SYSTEM INC COM 127387108   534,935 1,964 SH   SOLE   0 0 1,964
CAPITAL ONE FINL CORP COM 14040H105   340,337 2,596 SH   SOLE   0 0 2,596
CARRIER GLOBAL CORPORATION COM 14448C104   285,519 4,953 SH   SOLE   0 0 4,953
CATERPILLAR INC COM 149123101   1,188,815 4,021 SH   SOLE   0 0 4,021
CBRE GROUP INC CL A 12504L109   226,581 2,434 SH   SOLE   0 0 2,434
CDW CORP COM 12514G108   223,295 982 SH   SOLE   0 0 982
CEREVEL THERAPEUTICS HLDNG I COM 15678U128   10,358,702 244,309 SH   SOLE   0 0 244,309
SCHWAB CHARLES CORP COM 808513105   704,869 10,245 SH   SOLE   0 0 10,245
SCHWAB STRATEGIC TR US REIT ETF 808524847   14,801,198 714,688 SH   SOLE   0 0 714,688
CHARTER COMMUNICATIONS INC N CL A 16119P108   341,148 878 SH   SOLE   0 0 878
CHEVRON CORP NEW COM 166764100   986,026 6,611 SH   SOLE   0 0 6,611
CHIPOTLE MEXICAN GRILL INC COM 169656105   413,844 181 SH   SOLE   0 0 181
CHUBB LIMITED COM H1467J104   572,478 2,523 SH   SOLE   0 0 2,523
CHURCH & DWIGHT CO INC COM 171340102   219,233 2,318 SH   SOLE   0 0 2,318
THE CIGNA GROUP COM 125523100   699,670 2,337 SH   SOLE   0 0 2,337
CINTAS CORP COM 172908105   219,831 365 SH   SOLE   0 0 365
CISCO SYS INC COM 17275R102   1,656,265 32,784 SH   SOLE   0 0 32,784
CITIGROUP INC COM NEW 172967424   475,230 9,239 SH   SOLE   0 0 9,239
CME GROUP INC COM 12572Q105   571,479 2,648 SH   SOLE   0 0 2,648
COCA-COLA EUROPACIFIC PARTNE SHS G25839104   298,832 4,478 SH   SOLE   0 0 4,478
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102   481,735 6,378 SH   SOLE   0 0 6,378
COLGATE PALMOLIVE CO COM 194162103   283,216 3,553 SH   SOLE   0 0 3,553
COMCAST CORP NEW CL A 20030N101   1,368,298 31,204 SH   SOLE   0 0 31,204
CONAGRA BRANDS INC COM 205887102   221,550 7,730 SH   SOLE   0 0 7,730
CONOCOPHILLIPS COM 20825C104   432,575 3,727 SH   SOLE   0 0 3,727
CONSOLIDATED EDISON INC COM 209115104   341,604 3,755 SH   SOLE   0 0 3,755
CONSTELLATION BRANDS INC CL A 21036P108   432,476 1,789 SH   SOLE   0 0 1,789
CONSTELLATION ENERGY CORP COM 21037T109   259,639 2,221 SH   SOLE   0 0 2,221
COPART INC COM 217204106   440,657 8,993 SH   SOLE   0 0 8,993
COSTCO WHSL CORP NEW COM 22160K105   1,763,686 2,613 SH   SOLE   0 0 2,613
CRH PLC ORD G25508105   567,994 8,086 SH   SOLE   0 0 8,086
CROWN CASTLE INC COM 22822V101   276,356 2,399 SH   SOLE   0 0 2,399
CSX CORP COM 126408103   546,318 15,758 SH   SOLE   0 0 15,758
CUMMINS INC COM 231021106   266,521 1,112 SH   SOLE   0 0 1,112
CVS HEALTH CORP COM 126650100   788,563 9,987 SH   SOLE   0 0 9,987
D R HORTON INC COM 23331A109   430,412 2,832 SH   SOLE   0 0 2,832
DANAHER CORPORATION COM 235851102   956,907 4,132 SH   SOLE   0 0 4,132
DEERE & CO COM 244199105   846,020 2,108 SH   SOLE   0 0 2,108
DEXCOM INC COM 252131107   312,790 2,521 SH   SOLE   0 0 2,521
DIAGEO PLC SPON ADR NEW 25243Q205   647,044 4,442 SH   SOLE   0 0 4,442
DIGITAL RLTY TR INC COM 253868103   214,762 1,581 SH   SOLE   0 0 1,581
DISCOVER FINL SVCS COM 254709108   335,222 2,982 SH   SOLE   0 0 2,982
DOLLAR GEN CORP NEW COM 256677105   217,974 1,603 SH   SOLE   0 0 1,603
DRAFTKINGS INC NEW COM CL A 26142V105   7,325,761 207,823 SH   SOLE   0 0 207,823
DUKE ENERGY CORP NEW COM NEW 26441C204   375,087 3,865 SH   SOLE   0 0 3,865
DUPONT DE NEMOURS INC COM 26614N102   227,052 2,951 SH   SOLE   0 0 2,951
EATON CORP PLC SHS G29183103   541,862 2,250 SH   SOLE   0 0 2,250
EBAY INC. COM 278642103   258,753 5,932 SH   SOLE   0 0 5,932
ECOLAB INC COM 278865100   270,417 1,359 SH   SOLE   0 0 1,359
EDWARDS LIFESCIENCES CORP COM 28176E108   200,020 2,623 SH   SOLE   0 0 2,623
EMERSON ELEC CO COM 291011104   381,776 3,922 SH   SOLE   0 0 3,922
EOG RES INC COM 26875P101   209,820 1,735 SH   SOLE   0 0 1,735
EQUIFAX INC COM 294429105   282,456 1,142 SH   SOLE   0 0 1,142
EQUINIX INC COM 29444U700   439,782 546 SH   SOLE   0 0 546
TELEFONAKTIEBOLAGET LM ERICS ADR B SEK 10 294821608   64,128 10,179 SH   SOLE   0 0 10,179
ETERNA THERAPEUTICS INC COM NEW 114082209   932,583 520,996 SH   SOLE   0 0 520,996
EVERSOURCE ENERGY COM 30040W108   277,103 4,490 SH   SOLE   0 0 4,490
EXELON CORP COM 30161N101   278,895 7,769 SH   SOLE   0 0 7,769
EXTRA SPACE STORAGE INC COM 30225T102   241,524 1,506 SH   SOLE   0 0 1,506
EXXON MOBIL CORP COM 30231G102   1,511,503 15,118 SH   SOLE   0 0 15,118
META PLATFORMS INC CL A 30303M102   5,031,163 14,214 SH   SOLE   0 0 14,214
FASTENAL CO COM 311900104   369,192 5,700 SH   SOLE   0 0 5,700
FEDEX CORP COM 31428X106   410,599 1,615 SH   SOLE   0 0 1,615
FERRARI N V COM N3167Y103   700,212 2,069 SH   SOLE   0 0 2,069
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   1,535,397 33,216 SH   SOLE   0 0 33,216
FISERV INC COM 337738108   604,156 4,548 SH   SOLE   0 0 4,548
FLEXSHARES TR MORNSTAR UPSTR 33939L407   4,983,176 121,689 SH   SOLE   0 0 121,689
FORD MTR CO DEL COM 345370860   243,336 19,962 SH   SOLE   0 0 19,962
FORTINET INC COM 34959E109   262,741 4,489 SH   SOLE   0 0 4,489
GENERAL DYNAMICS CORP COM 369550108   586,397 2,258 SH   SOLE   0 0 2,258
GENERAL ELECTRIC CO COM NEW 369604301   467,450 3,660 SH   SOLE   0 0 3,660
GENERAL MLS INC COM 370334104   244,026 3,746 SH   SOLE   0 0 3,746
GILEAD SCIENCES INC COM 375558103   1,100,366 13,583 SH   SOLE   0 0 13,583
GLOBAL PMTS INC COM 37940X102   210,234 1,655 SH   SOLE   0 0 1,655
GOLDMAN SACHS GROUP INC COM 38141G104   705,703 1,829 SH   SOLE   0 0 1,829
GRAB HOLDINGS LIMITED CLASS A ORD G4124C109   51,897 15,400 SH   SOLE   0 0 15,400
GSK PLC SPONSORED ADR 37733W204   201,032 5,371 SH   SOLE   0 0 5,371
HALEON PLC SPON ADS 405552100   116,608 14,169 SH   SOLE   0 0 14,169
HALLIBURTON CO COM 406216101   372,991 10,318 SH   SOLE   0 0 10,318
HCA HEALTHCARE INC COM 40412C101   307,700 1,137 SH   SOLE   0 0 1,137
HERSHEY CO COM 427866108   281,727 1,511 SH   SOLE   0 0 1,511
HOME DEPOT INC COM 437076102   2,461,715 7,103 SH   SOLE   0 0 7,103
HONDA MOTOR LTD ADR ECH CNV IN 3 438128308   433,942 14,039 SH   SOLE   0 0 14,039
HONEYWELL INTL INC COM 438516106   939,268 4,479 SH   SOLE   0 0 4,479
HP INC COM 40434L105   238,394 7,851 SH   SOLE   0 0 7,851
HSBC HLDGS PLC SPON ADR NEW 404280406   1,100,127 27,137 SH   SOLE   0 0 27,137
HUMANA INC COM 444859102   440,326 960 SH   SOLE   0 0 960
INTERNATIONAL BUSINESS MACHS COM 459200101   578,911 3,540 SH   SOLE   0 0 3,540
IDEXX LABS INC COM 45168D104   517,191 932 SH   SOLE   0 0 932
ILLINOIS TOOL WKS INC COM 452308109   791,526 3,006 SH   SOLE   0 0 3,006
ING GROEP N.V. SPONSORED ADR 456837103   206,121 13,723 SH   SOLE   0 0 13,723
INTEL CORP COM 458140100   1,331,762 26,503 SH   SOLE   0 0 26,503
INTERCONTINENTAL EXCHANGE IN COM 45866F104   442,256 3,444 SH   SOLE   0 0 3,444
INTERCONTINENTAL HOTELS GROU SPONSORED ADS 45857P806   237,478 2,604 SH   SOLE   0 0 2,604
INTUIT COM 461202103   1,469,854 2,352 SH   SOLE   0 0 2,352
INTUITIVE SURGICAL INC COM NEW 46120E602   487,148 1,444 SH   SOLE   0 0 1,444
INVESCO QQQ TR UNIT SER 1 46090E103   3,067,217 7,486 SH   SOLE   0 0 7,486
ISHARES TR COHEN STEER REIT 464287564   1,526,175 25,986 SH   SOLE   0 0 25,986
ISHARES TR CORE MSCI EAFE 46432F842   37,630,634 534,906 SH   SOLE   0 0 534,906
ISHARES INC CORE MSCI EMKT 46434G103   14,625,251 289,151 SH   SOLE   0 0 289,151
ISHARES TR CORE S&P500 ETF 464287200   8,037,546 16,828 SH   SOLE   0 0 16,828
ISHARES TR CORE S&P MCP ETF 464287507   960,602 3,466 SH   SOLE   0 0 3,466
ISHARES TR CORE S&P SCP ETF 464287804   37,680,314 348,086 SH   SOLE   0 0 348,086
ISHARES TR CORE US AGGBD ET 464287226   8,299,036 83,617 SH   SOLE   0 0 83,617
ISHARES TR ESG AW MSCI EAFE 46435G516   20,184,681 267,205 SH   SOLE   0 0 267,205
ISHARES INC ESG AWR MSCI EM 46434G863   3,778,908 117,870 SH   SOLE   0 0 117,870
ISHARES INC FRONTIER AND SEL 464286145   2,428,309 92,331 SH   SOLE   0 0 92,331
ISHARES TR MSCI ACWI ETF 464288257   2,207,302 21,689 SH   SOLE   0 0 21,689
ISHARES TR MSCI EAFE ETF 464287465   18,358,686 243,645 SH   SOLE   0 0 243,645
ISHARES TR MSCI EMG MKT ETF 464287234   1,015,894 25,265 SH   SOLE   0 0 25,265
ISHARES TR NATIONAL MUN ETF 464288414   33,874,346 312,465 SH   SOLE   0 0 312,465
ISHARES TR RUS 1000 ETF 464287622   55,231,169 210,597 SH   SOLE   0 0 210,597
ISHARES TR RUS 1000 GRW ETF 464287614   954,631 3,149 SH   SOLE   0 0 3,149
ISHARES TR RUS 1000 VAL ETF 464287598   381,348 2,308 SH   SOLE   0 0 2,308
ISHARES TR RUSSELL 2000 ETF 464287655   3,122,625 15,558 SH   SOLE   0 0 15,558
ISHARES TR S&P MC 400GR ETF 464287606   200,268 2,528 SH   SOLE   0 0 2,528
ISHARES TR SHRT NAT MUN ETF 464288158   213,524 2,025 SH   SOLE   0 0 2,025
ISHARES TR EAFE SML CP ETF 464288273   47,283,569 763,870 SH   SOLE   0 0 763,870
ISHARES TR ESG AWARE MSCI 46435U663   1,217,106 32,021 SH   SOLE   0 0 32,021
ISHARES TR ESG AWR MSCI USA 46435G425   3,638,389 34,678 SH   SOLE   0 0 34,678
ISHARES TR ESG AWR US AGRGT 46435U549   2,212,705 46,349 SH   SOLE   0 0 46,349
ISHARES TR RUS MID CAP ETF 464287499   1,047,859 13,481 SH   SOLE   0 0 13,481
ISHARES TR U.S. REAL ES ETF 464287739   8,278,699 90,567 SH   SOLE   0 0 90,567
JAMES HARDIE INDS PLC SPONSORED ADR 47030M106   396,557 10,255 SH   SOLE   0 0 10,255
JOHNSON & JOHNSON COM 478160104   1,884,675 12,024 SH   SOLE   0 0 12,024
JOHNSON CTLS INTL PLC SHS G51502105   246,657 4,252 SH   SOLE   0 0 4,252
JPMORGAN CHASE & CO COM 46625H100   3,388,089 19,918 SH   SOLE   0 0 19,918
KENVUE INC COM 49177J102   435,740 20,239 SH   SOLE   0 0 20,239
KEURIG DR PEPPER INC COM 49271V100   278,455 8,357 SH   SOLE   0 0 8,357
KIMBERLY-CLARK CORP COM 494368103   212,643 1,733 SH   SOLE   0 0 1,733
KLA CORP COM NEW 482480100   451,533 777 SH   SOLE   0 0 777
KROGER CO COM 501044101   433,716 9,488 SH   SOLE   0 0 9,488
LAM RESEARCH CORP COM 512807108   832,888 1,061 SH   SOLE   0 0 1,061
LENNAR CORP CL A 526057104   333,325 2,236 SH   SOLE   0 0 2,236
ELI LILLY & CO COM 532457108   2,445,554 4,195 SH   SOLE   0 0 4,195
LINDE PLC SHS G54950103   1,357,100 3,304 SH   SOLE   0 0 3,304
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   122,772 51,369 SH   SOLE   0 0 51,369
LOCKHEED MARTIN CORP COM 539830109   579,500 1,279 SH   SOLE   0 0 1,279
LOGITECH INTL S A SHS H50430232   410,374 4,317 SH   SOLE   0 0 4,317
LOWES COS INC COM 548661107   872,394 3,920 SH   SOLE   0 0 3,920
LULULEMON ATHLETICA INC COM 550021109   321,090 628 SH   SOLE   0 0 628
LYFT INC CL A COM 55087P104   2,219,449 148,062 SH   SOLE   0 0 148,062
M & T BK CORP COM 55261F104   375,876 2,742 SH   SOLE   0 0 2,742
MARATHON OIL CORP COM 565849106   227,397 9,412 SH   SOLE   0 0 9,412
MARATHON PETE CORP COM 56585A102   512,782 3,456 SH   SOLE   0 0 3,456
MARRIOTT INTL INC NEW CL A 571903202   443,616 1,967 SH   SOLE   0 0 1,967
MARSH & MCLENNAN COS INC COM 571748102   745,971 3,937 SH   SOLE   0 0 3,937
MASTERCARD INCORPORATED CL A 57636Q104   2,715,293 6,366 SH   SOLE   0 0 6,366
MCDONALDS CORP COM 580135101   1,363,021 4,597 SH   SOLE   0 0 4,597
MCKESSON CORP COM 58155Q103   714,496 1,541 SH   SOLE   0 0 1,541
MERCK & CO INC COM 58933Y105   1,537,799 14,006 SH   SOLE   0 0 14,006
METLIFE INC COM 59156R108   268,256 4,056 SH   SOLE   0 0 4,056
METTLER TOLEDO INTERNATIONAL COM 592688105   323,759 267 SH   SOLE   0 0 267
MICROCHIP TECHNOLOGY INC. COM 595017104   279,248 3,097 SH   SOLE   0 0 3,097
MICRON TECHNOLOGY INC COM 595112103   631,454 7,389 SH   SOLE   0 0 7,389
MICROSOFT CORP COM 594918104   19,604,604 52,134 SH   SOLE   0 0 52,134
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   202,285 23,494 SH   SOLE   0 0 23,494
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   203,804 59,245 SH   SOLE   0 0 59,245
MONDELEZ INTL INC CL A 609207105   531,019 7,289 SH   SOLE   0 0 7,289
MONSTER BEVERAGE CORP NEW COM 61174X109   484,847 8,416 SH   SOLE   0 0 8,416
MOODYS CORP COM 615369105   867,675 2,222 SH   SOLE   0 0 2,222
MORGAN STANLEY COM NEW 617446448   734,934 7,881 SH   SOLE   0 0 7,881
MOTOROLA SOLUTIONS INC COM NEW 620076307   282,252 899 SH   SOLE   0 0 899
NATWEST GROUP PLC SPONS ADR 639057207   169,998 30,195 SH   SOLE   0 0 30,195
NAUTILUS BIOTECHNOLOGY INC COM 63909J108   68,058 22,762 SH   SOLE   0 0 22,762
NETFLIX INC COM 64110L106   1,636,904 3,362 SH   SOLE   0 0 3,362
NEWMONT CORP COM 651639106   536,087 12,952 SH   SOLE   0 0 12,952
NEXTERA ENERGY INC COM 65339F101   849,085 13,979 SH   SOLE   0 0 13,979
NICE LTD SPONSORED ADR 653656108   202,902 1,017 SH   SOLE   0 0 1,017
NIKE INC CL B 654106103   791,203 7,262 SH   SOLE   0 0 7,262
NOKIA CORP SPONSORED ADR 654902204   132,219 38,661 SH   SOLE   0 0 38,661
NOMURA HLDGS INC SPONSORED ADR 65535H208   94,097 20,864 SH   SOLE   0 0 20,864
NORFOLK SOUTHN CORP COM 655844108   347,451 1,470 SH   SOLE   0 0 1,470
NORTHROP GRUMMAN CORP COM 666807102   595,667 1,272 SH   SOLE   0 0 1,272
NOVARTIS AG SPONSORED ADR 66987V109   738,293 7,312 SH   SOLE   0 0 7,312
NOVO-NORDISK A S ADR 670100205   1,142,798 11,047 SH   SOLE   0 0 11,047
NU HLDGS LTD ORD SHS CL A G6683N103   8,210,306 985,631 SH   SOLE   0 0 985,631
NUCOR CORP COM 670346105   211,794 1,213 SH   SOLE   0 0 1,213
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888   5,176,962 192,095 SH   SOLE   0 0 192,095
NVIDIA CORPORATION COM 67066G104   9,415,340 19,012 SH   SOLE   0 0 19,012
OREILLY AUTOMOTIVE INC COM 67103H107   465,539 490 SH   SOLE   0 0 490
OLD DOMINION FREIGHT LINE IN COM 679580100   357,524 882 SH   SOLE   0 0 882
OMNIAB INC COM 68218J103   72,763 11,793 SH   SOLE   0 0 11,793
OMNICOM GROUP INC COM 681919106   244,805 2,807 SH   SOLE   0 0 2,807
ONEOK INC NEW COM 682680103   216,735 3,087 SH   SOLE   0 0 3,087
ORACLE CORP COM 68389X105   1,824,273 17,303 SH   SOLE   0 0 17,303
ORIX CORP SPONSORED ADR 686330101   272,865 2,922 SH   SOLE   0 0 2,922
PACCAR INC COM 693718108   375,770 3,733 SH   SOLE   0 0 3,733
PALO ALTO NETWORKS INC COM 697435105   453,820 1,539 SH   SOLE   0 0 1,539
PARKER-HANNIFIN CORP COM 701094104   604,165 1,311 SH   SOLE   0 0 1,311
PAYPAL HLDGS INC COM 70450Y103   435,867 7,098 SH   SOLE   0 0 7,098
PEARSON PLC SPONSORED ADR 705015105   146,224 11,898 SH   SOLE   0 0 11,898
PEPSICO INC COM 713448108   1,388,377 8,118 SH   SOLE   0 0 8,118
PFIZER INC COM 717081103   667,119 23,172 SH   SOLE   0 0 23,172
PHILIP MORRIS INTL INC COM 718172109   475,091 4,981 SH   SOLE   0 0 4,981
PHILLIPS 66 COM 718546104   314,817 2,365 SH   SOLE   0 0 2,365
PIONEER NAT RES CO COM 723787107   255,035 1,134 SH   SOLE   0 0 1,134
PNC FINL SVCS GROUP INC COM 693475105   1,543,395 9,967 SH   SOLE   0 0 9,967
PRINCIPAL FINANCIAL GROUP IN COM 74251V102   217,080 2,759 SH   SOLE   0 0 2,759
PROCTER AND GAMBLE CO COM 742718109   1,726,619 11,783 SH   SOLE   0 0 11,783
PROGRESSIVE CORP COM 743315103   981,332 6,161 SH   SOLE   0 0 6,161
PROLOGIS INC. COM 74340W103   965,628 7,244 SH   SOLE   0 0 7,244
PRUDENTIAL FINL INC COM 744320102   288,508 2,782 SH   SOLE   0 0 2,782
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   231,111 3,779 SH   SOLE   0 0 3,779
QUALCOMM INC COM 747525103   1,314,138 9,086 SH   SOLE   0 0 9,086
RTX CORPORATION COM 75513E101   561,502 6,673 SH   SOLE   0 0 6,673
REGENERON PHARMACEUTICALS COM 75886F107   463,530 528 SH   SOLE   0 0 528
REGIONS FINANCIAL CORP NEW COM 7591EP100   335,335 17,091 SH   SOLE   0 0 17,091
RELX PLC SPONSORED ADR 759530108   700,008 17,650 SH   SOLE   0 0 17,650
REPUBLIC SVCS INC COM 760759100   242,080 1,463 SH   SOLE   0 0 1,463
RIO TINTO PLC SPONSORED ADR 767204100   268,801 3,610 SH   SOLE   0 0 3,610
ROCKWELL AUTOMATION INC COM 773903109   347,807 1,120 SH   SOLE   0 0 1,120
ROPER TECHNOLOGIES INC COM 776696106   599,330 1,099 SH   SOLE   0 0 1,099
ROSS STORES INC COM 778296103   249,926 1,806 SH   SOLE   0 0 1,806
ROYAL CARIBBEAN GROUP COM V7780T103   300,417 2,320 SH   SOLE   0 0 2,320
ROYALTY PHARMA PLC SHS CLASS A G7709Q104   202,006 7,191 SH   SOLE   0 0 7,191
SBA COMMUNICATIONS CORP NEW CL A 78410G104   227,814 898 SH   SOLE   0 0 898
S&P GLOBAL INC COM 78409V104   979,783 2,224 SH   SOLE   0 0 2,224
SALESFORCE INC COM 79466L302   1,561,210 5,933 SH   SOLE   0 0 5,933
SANOFI SPONSORED ADR 80105N105   285,853 5,748 SH   SOLE   0 0 5,748
SAP SE SPON ADR 803054204   1,061,144 6,864 SH   SOLE   0 0 6,864
SCHLUMBERGER LTD COM STK 806857108   212,191 4,058 SH   SOLE   0 0 4,058
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   12,092,549 487,799 SH   SOLE   0 0 487,799
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   17,240,649 346,755 SH   SOLE   0 0 346,755
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   53,583,604 1,449,773 SH   SOLE   0 0 1,449,773
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   2,036,283 36,578 SH   SOLE   0 0 36,578
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   7,774,598 137,847 SH   SOLE   0 0 137,847
SEER INC COM CL A 81578P106   20,900 10,773 SH   SOLE   0 0 10,773
SELECT SECTOR SPDR TR ENERGY 81369Y506   2,527,844 30,151 SH   SOLE   0 0 30,151
SEMPRA COM 816851109   230,754 3,063 SH   SOLE   0 0 3,063
SERVICENOW INC COM 81762P102   723,966 1,025 SH   SOLE   0 0 1,025
SHELL PLC SPON ADS 780259305   509,818 7,748 SH   SOLE   0 0 7,748
SHERWIN WILLIAMS CO COM 824348106   727,444 2,332 SH   SOLE   0 0 2,332
SIMON PPTY GROUP INC NEW COM 828806109   376,638 2,640 SH   SOLE   0 0 2,640
SONOS INC COM 83570H108   1,974,237 115,183 SH   SOLE   0 0 115,183
SONY GROUP CORP SPONSORED ADR 835699307   988,410 10,438 SH   SOLE   0 0 10,438
SOUTHERN CO COM 842587107   324,965 4,634 SH   SOLE   0 0 4,634
SOUTHERN COPPER CORP COM 84265V105   275,079 3,196 SH   SOLE   0 0 3,196
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   16,412,999 482,593 SH   SOLE   0 0 482,593
SPDR GOLD TR GOLD SHS 78463V107   524,379 2,743 SH   SOLE   0 0 2,743
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   6,124,570 172,962 SH   SOLE   0 0 172,962
SPDR INDEX SHS FDS MSCI EAFE FS ETF 78470E106   27,297,789 699,764 SH   SOLE   0 0 699,764
SPDR INDEX SHS FDS MSCI EMR MKT ETF 78470E205   2,327,039 75,549 SH   SOLE   0 0 75,549
SPDR SER TR PORTFOLIO AGRGTE 78464A649   333,845 13,020 SH   SOLE   0 0 13,020
SPDR SER TR PORTFOLIO S&P500 78464A854   707,319 12,653 SH   SOLE   0 0 12,653
SPDR SER TR PORTFOLIO S&P600 78468R853   5,109,612 121,138 SH   SOLE   0 0 121,138
SPDR S&P 500 ETF TR TR UNIT 78462F103   84,928,570 177,966 SH   SOLE   0 0 177,966
SPDR SER TR SPDR S&P 500 ETF 78468R796   7,563,780 194,893 SH   SOLE   0 0 194,893
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   510,607 9,013 SH   SOLE   0 0 9,013
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   273,988 538 SH   SOLE   0 0 538
STARBUCKS CORP COM 855244109   953,633 9,933 SH   SOLE   0 0 9,933
STERIS PLC SHS USD G8473T100   266,821 1,214 SH   SOLE   0 0 1,214
STMICROELECTRONICS N V NY REGISTRY 861012102   370,024 7,381 SH   SOLE   0 0 7,381
STRYKER CORPORATION COM 863667101   590,230 1,966 SH   SOLE   0 0 1,966
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   541,564 55,947 SH   SOLE   0 0 55,947
SYNOPSYS INC COM 871607107   335,206 651 SH   SOLE   0 0 651
T-MOBILE US INC COM 872590104   1,003,684 6,260 SH   SOLE   0 0 6,260
TARGA RES CORP COM 87612G101   242,357 2,790 SH   SOLE   0 0 2,790
TARGET CORP COM 87612E106   656,628 4,611 SH   SOLE   0 0 4,611
TE CONNECTIVITY LTD SHS H84989104   217,405 1,547 SH   SOLE   0 0 1,547
TELEFONICA S A SPONSORED ADR 879382208   126,857 31,209 SH   SOLE   0 0 31,209
TENARIS S A SPONSORED ADS 88031M109   229,051 6,590 SH   SOLE   0 0 6,590
TESLA INC COM 88160R101   3,914,958 15,756 SH   SOLE   0 0 15,756
TEXAS INSTRS INC COM 882508104   1,172,687 6,880 SH   SOLE   0 0 6,880
COCA COLA CO COM 191216100   966,051 16,393 SH   SOLE   0 0 16,393
THERMO FISHER SCIENTIFIC INC COM 883556102   1,046,694 1,971 SH   SOLE   0 0 1,971
TJX COS INC NEW COM 872540109   871,951 9,295 SH   SOLE   0 0 9,295
TOTALENERGIES SE SPONSORED ADS 89151E109   386,981 5,675 SH   SOLE   0 0 5,675
TOYOTA MOTOR CORP ADS 892331307   562,622 3,068 SH   SOLE   0 0 3,068
TRANE TECHNOLOGIES PLC SHS G8994E103   332,122 1,362 SH   SOLE   0 0 1,362
TRANSDIGM GROUP INC COM 893641100   316,631 313 SH   SOLE   0 0 313
TRAVELERS COMPANIES INC COM 89417E109   303,075 1,591 SH   SOLE   0 0 1,591
TRUIST FINL CORP COM 89832Q109   212,486 5,755 SH   SOLE   0 0 5,755
US BANCORP DEL COM NEW 902973304   331,157 7,566 SH   SOLE   0 0 7,566
UBER TECHNOLOGIES INC COM 90353T100   972,313 15,792 SH   SOLE   0 0 15,792
UBS GROUP AG SHS H42097107   944,936 30,580 SH   SOLE   0 0 30,580
UFP INDUSTRIES INC COM 90278Q108   294,408 2,345 SH   SOLE   0 0 2,345
UNILEVER PLC SPON ADR NEW 904767704   333,108 6,871 SH   SOLE   0 0 6,871
UNION PAC CORP COM 907818108   1,277,263 5,200 SH   SOLE   0 0 5,200
UNITED PARCEL SERVICE INC CL B 911312106   539,442 3,431 SH   SOLE   0 0 3,431
UNITED RENTALS INC COM 911363109   441,021 769 SH   SOLE   0 0 769
UNITEDHEALTH GROUP INC COM 91324P102   3,685,160 7,000 SH   SOLE   0 0 7,000
VALERO ENERGY CORP COM 91913Y100   318,488 2,450 SH   SOLE   0 0 2,450
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   805,310 4,726 SH   SOLE   0 0 4,726
VANGUARD WORLD FD ESG INTL STK ETF 921910725   390,035 7,056 SH   SOLE   0 0 7,056
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   1,080,599 6,572 SH   SOLE   0 0 6,572
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   8,657,046 154,205 SH   SOLE   0 0 154,205
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   102,164,474 2,132,870 SH   SOLE   0 0 2,132,870
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   88,985,199 2,165,090 SH   SOLE   0 0 2,165,090
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   539,730 2,153 SH   SOLE   0 0 2,153
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   36,192,642 610,125 SH   SOLE   0 0 610,125
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   1,309,258 11,382 SH   SOLE   0 0 11,382
VANGUARD INDEX FDS LARGE CAP ETF 922908637   2,293,297 10,512 SH   SOLE   0 0 10,512
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   50,752,602 574,384 SH   SOLE   0 0 574,384
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   61,638,895 141,115 SH   SOLE   0 0 141,115
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573   1,478,199 19,076 SH   SOLE   0 0 19,076
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,791,402 49,226 SH   SOLE   0 0 49,226
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,729,468 8,107 SH   SOLE   0 0 8,107
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   41,903,043 569,722 SH   SOLE   0 0 569,722
VANGUARD INDEX FDS TOTAL STK MKT 922908769   63,496,213 267,668 SH   SOLE   0 0 267,668
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   479,697 4,663 SH   SOLE   0 0 4,663
VANGUARD WORLD FD ESG US STK ETF 921910733   10,531,849 123,817 SH   SOLE   0 0 123,817
VERISIGN INC COM 92343E102   243,239 1,181 SH   SOLE   0 0 1,181
VERIZON COMMUNICATIONS INC COM 92343V104   516,859 13,710 SH   SOLE   0 0 13,710
VERTEX PHARMACEUTICALS INC COM 92532F100   563,865 1,386 SH   SOLE   0 0 1,386
VISA INC COM CL A 92826C839   3,570,362 13,714 SH   SOLE   0 0 13,714
WALMART INC COM 931142103   985,432 6,228 SH   SOLE   0 0 6,228
DISNEY WALT CO COM 254687106   942,887 10,408 SH   SOLE   0 0 10,408
WASTE MGMT INC DEL COM 94106L109   344,883 1,926 SH   SOLE   0 0 1,926
WELLS FARGO CO NEW COM 949746101   616,603 12,527 SH   SOLE   0 0 12,527
WELLTOWER INC COM 95040Q104   257,290 2,853 SH   SOLE   0 0 2,853
WEST PHARMACEUTICAL SVSC INC COM 955306105   245,430 697 SH   SOLE   0 0 697
WILLIAMS COS INC COM 969457100   342,291 9,827 SH   SOLE   0 0 9,827
GRAINGER W W INC COM 384802104   390,250 471 SH   SOLE   0 0 471
XCEL ENERGY INC COM 98389B100   274,839 4,402 SH   SOLE   0 0 4,402
YUM BRANDS INC COM 988498101   276,186 2,114 SH   SOLE   0 0 2,114
ZIONS BANCORPORATION N A COM 989701107   226,564 5,164 SH   SOLE   0 0 5,164
ZOETIS INC CL A 98978V103   805,726 4,082 SH   SOLE   0 0 4,082