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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
AMAZON COM INC COM 023135106   254,240 2,000 SH   SOLE   2,000 0 0
APPLE INC COM 037833100   428,710 2,504 SH   SOLE   2,504 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   531,477 1 SH   SOLE   1 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   368,159 24,626 SH   SOLE   24,626 0 0
INVESCO EXCHANGE TRADED FD T WILDERHIL CLAN 46137V134   211,555 6,731 SH   SOLE   6,731 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   2,507,890 7,000 SH   SOLE   7,000 0 0
ISHARES INC EM MKT SM-CP ETF 464286475   3,969,311 72,698 SH   SOLE   72,698 0 0
ISHARES TR MSCI ACWI ETF 464288257   369,572 4,001 SH   SOLE   4,001 0 0
ISHARES TR CORE MSCI EAFE 46432F842   258,430 4,016 SH   SOLE   4,016 0 0
ISHARES TR CORE S&P500 ETF 464287200   234,469 546 SH   SOLE   546 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   883,319 5,818 SH   SOLE   5,818 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   617,607 8,934 SH   SOLE   8,934 0 0
ISHARES TR RUS 1000 ETF 464287622   1,797,405 7,651 SH   SOLE   7,651 0 0
ISHARES TR USD GRN BOND ETF 46435U440   231,336 5,126 SH   SOLE   5,126 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   406,167 1,527 SH   SOLE   1,527 0 0
MICROSOFT CORP COM 594918104   205,238 650 SH   SOLE   650 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   84,607,340 844,891 SH   SOLE   844,891 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,143,600 15,726 SH   SOLE   15,726 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   10,887,536 337,598 SH   SOLE   337,598 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   535,538 11,171 SH   SOLE   11,171 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,604,332 3,753 SH   SOLE   3,753 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721   237,227 5,429 SH   SOLE   5,429 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739   349,314 7,556 SH   SOLE   7,556 0 0
SPDR SER TR SPDR S&P 500 ETF 78468R796   2,347,505 67,593 SH   SOLE   67,593 0 0
TESLA INC COM 88160R101   575,506 2,300 SH   SOLE   2,300 0 0
UDEMY INC COM 902685106   199,500 21,000 SH   SOLE   21,000 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   310,369 6,489 SH   SOLE   6,489 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   6,339,487 83,789 SH   SOLE   83,789 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   117,720,451 601,566 SH   SOLE   601,566 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,585,030 12,170 SH   SOLE   12,170 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   14,215,417 75,186 SH   SOLE   75,186 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   9,353,702 238,554 SH   SOLE   238,554 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   278,106 4,172 SH   SOLE   4,172 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   39,190,258 896,392 SH   SOLE   896,392 0 0
VISA INC COM CL A 92826C839   438,859 1,908 SH   SOLE   1,908 0 0