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
ABBVIE INC COM 00287Y109 1,441 12,800 SH   SOLE NONE 0 0 12,800
AMGEN INC. COM 031162100 975 4,000 SH   SOLE NONE 0 0 4,000
APPLE INC COM 037833100 48,347 353,003 SH   SOLE NONE 0 0 353,003
AVANTIS EMERGING MARKETSEQ ETF AVANTIS EMGMKT 025072604 553 7,957 SH   SOLE NONE 0 0 7,957
AVANTIS INTERNATNL SML CP VL ETF INTL SMCP VLU 025072802 4,483 69,263 SH   SOLE NONE 0 0 69,263
AVANTIS US EQUITY ETF US EQT ETF 025072885 2,433 32,787 SH   SOLE NONE 0 0 32,787
AVANTIS US SMALL CAP VALUE ETF US SML CP VALU 025072877 11,399 149,993 SH   SOLE NONE 0 0 149,993
BERKSHIRE HATHAWAY CL B NEW 084670702 421 1,518 SH   SOLE NONE 0 0 1,518
EMQQ EMRNG MKT INTRNT ECMRC ETF EMQQ EM INTERN 301505889 6,478 102,258 SH   SOLE NONE 0 0 102,258
ENERGY SELECT SECTOR SPDR ETF IV ENERGY 81369Y506 6,814 126,493 SH   SOLE NONE 0 0 126,493
INVESCO QQQ TRUST UNIT SER 1 46090E103 814 2,298 SH   SOLE NONE 0 0 2,298
ISHARES 1-3 YEAR TREASRYBOND ETF 1 3 YR TREAS BD 464287457 295 3,425 SH   SOLE NONE 0 0 3,425
ISHARES CONVERTIBLE BONDETF CONV BD ETF 46435G102 4,797 47,047 SH   SOLE NONE 0 0 47,047
ISHARES IBOXX INVT GRADEBOND ETF IV IBOXX INV CP ETF 464287242 289 2,151 SH   SOLE NONE 0 0 2,151
ISHARES SEMICONDUCTOR ETF IV ISHARES SEMICDTR 464287523 640 1,411 SH   SOLE NONE 0 0 1,411
JOHNSON & JOHNSON COM 478160104 1,354 8,220 SH   SOLE NONE 0 0 8,220
JPMORGAN CHASE & CO COM 46625H100 1,478 9,504 SH   SOLE NONE 0 0 9,504
LOCKHEED MARTIN CORP COM 539830109 1,185 3,134 SH   SOLE NONE 0 0 3,134
LOWES COS INC COM 548661107 997 5,140 SH   SOLE NONE 0 0 5,140
MARRIOTT INTL INC CLASS A CL A 571903202 474 3,475 SH   SOLE NONE 0 0 3,475
MERCK & CO. INC. COM 58933Y105 62,553 804,340 SH   SOLE NONE 0 0 804,340
MICROSOFT CORP COM 594918104 10,309 38,058 SH   SOLE NONE 0 0 38,058
ORGANON & CO COMMON STOCK 68622V106 1,960 64,798 SH   SOLE NONE 0 0 64,798
PFIZER INC COM 717081103 1,167 29,820 SH   SOLE NONE 0 0 29,820
RAYTHEON TECHNOLOGIES CO COM 75513E101 682 8,000 SH   SOLE NONE 0 0 8,000
SCHWAB US BROAD MARKET ETF US BRD MKT ETF 808524102 240 2,309 SH   SOLE NONE 0 0 2,309
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797 11,008 145,578 SH   SOLE NONE 0 0 145,578
SCHWAB US LARGE CAP GROWTH ETF US LCAP GR ETF 808524300 7,620 52,211 SH   SOLE NONE 0 0 52,211
SCHWAB US LARGE CAP VALUE ETF US LCAP VA ETF 808524409 5,161 75,492 SH   SOLE NONE 0 0 75,492
SCHWAB US SMALL CAP ETF US SML CAP ETF 808524607 3,918 37,610 SH   SOLE NONE 0 0 37,610
SPDR BLMBERG BRCLY CONV SECRT ETF IV BLMBRG BRC CNVRT 78464A359 4,801 55,357 SH   SOLE NONE 0 0 55,357
TESLA INC COM 88160R101 679 1,000 SH   SOLE NONE 0 0 1,000
VANGUARD DIVIDEND APPRECIATIO ETF IV DIV APP ETF 921908844 540 3,490 SH   SOLE NONE 0 0 3,490
VANGUARD FINANCIALS ETF IV FINANCIALS ETF 92204A405 2,410 26,652 SH   SOLE NONE 0 0 26,652
VANGUARD GROWTH ETF GROWTH ETF 922908736 6,842 23,859 SH   SOLE NONE 0 0 23,859
VANGUARD INDUSTRIALS ETF IV INDUSTRIAL ETF 92204A603 2,401 12,222 SH   SOLE NONE 0 0 12,222
VANGUARD SMALL CAP VALUEETF IV SM CP VAL ETF 922908611 2,288 13,178 SH   SOLE NONE 0 0 13,178
VANGUARD TOTAL STOCK MARKET E ETF IV TOTAL STK MKT 922908769 3,633 16,306 SH   SOLE NONE 0 0 16,306
VANGUARD VALUE ETF IV VALUE ETF 922908744 432 3,150 SH   SOLE NONE 0 0 3,150
VERIZON COMMUNICATN COM 92343V104 212 3,800 SH   SOLE NONE 0 0 3,800
WALT DISNEY CO COM 254687106 307 1,750 SH   SOLE NONE 0 0 1,750