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
MCDONALDS CORP COM 580135101   200,480 717 SH   SOLE   717 0 0
MERCK & CO INC COM 58933Y105   355,449 3,341 SH   SOLE   3,341 0 0
ABBVIE INC COM 00287Y109   414,549 2,601 SH   SOLE   2,601 0 0
META PLATFORMS INC CL A 30303M102   358,602 1,692 SH   SOLE   1,692 0 0
NEXTERA ENERGY INC COM 65339F101   269,472 3,496 SH   SOLE   3,496 0 0
NVIDIA CORPORATION COM 67066G104   1,015,249 3,655 SH   SOLE   3,655 0 0
PEPSICO INC COM 713448108   356,761 1,957 SH   SOLE   1,957 0 0
PROCTER AND GAMBLE CO COM 742718109   566,509 3,810 SH   SOLE   3,810 0 0
SALESFORCE INC COM 79466L302   254,520 1,274 SH   SOLE   1,274 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   204,757 3,819 SH   SOLE   3,819 0 0
TESLA INC COM 88160R101   770,092 3,712 SH   SOLE   3,712 0 0
TEXAS INSTRS INC COM 882508104   260,228 1,399 SH   SOLE   1,399 0 0
UNITED PARCEL SERVICE INC CL B 911312106   221,731 1,143 SH   SOLE   1,143 0 0
UNITEDHEALTH GROUP INC COM 91324P102   707,467 1,497 SH   SOLE   1,497 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,902,980 24,964 SH   SOLE   24,964 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   27,868,831 616,977 SH   SOLE   616,977 0 0
WALMART INC COM 931142103   318,492 2,160 SH   SOLE   2,160 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   504,485 4,819 SH   SOLE   4,819 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   8,068,094 329,041 SH   SOLE   329,041 0 0
ADVANCED MICRO DEVICES INC COM 007903107   283,445 2,892 SH   SOLE   2,892 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   24,971,510 100,110 SH   SOLE   100,110 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   4,182,912 87,472 SH   SOLE   87,472 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   5,041,497 86,121 SH   SOLE   86,121 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   7,836,624 36,212 SH   SOLE   36,212 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   16,820,709 105,951 SH   SOLE   105,951 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   33,059,384 239,370 SH   SOLE   239,370 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   410,804 1,066 SH   SOLE   1,066 0 0
ALPHABET INC CAP STK CL A 02079K305   2,258,721 21,775 SH   SOLE   21,775 0 0
AMPHENOL CORP NEW CL A 032095101   693,476 8,486 SH   SOLE   8,486 0 0
APPLE INC COM 037833100   3,717,306 22,543 SH   SOLE   22,543 0 0
AMAZON COM INC COM 023135106   1,020,505 9,880 SH   SOLE   9,880 0 0
BOOKING HOLDINGS INC COM 09857L108   1,053,007 397 SH   SOLE   397 0 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   272,620 1,860 SH   SOLE   1,860 0 0
FISERV INC COM 337738108   251,040 2,221 SH   SOLE   2,221 0 0
BANK AMERICA CORP COM 060505104   304,963 10,663 SH   SOLE   10,663 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   682,382 2,210 SH   SOLE   2,210 0 0
MARKEL CORP COM 570535104   470,087 368 SH   SOLE   368 0 0
MASTERCARD INCORPORATED CL A 57636Q104   633,424 1,743 SH   SOLE   1,743 0 0
BROADCOM INC COM 11135F101   436,247 680 SH   SOLE   680 0 0
ISHARES INC CORE MSCI EMKT 46434G103   6,309,864 129,327 SH   SOLE   129,327 0 0
MICROSOFT CORP COM 594918104   3,140,263 10,892 SH   SOLE   10,892 0 0
CHEVRON CORP NEW COM 166764100   324,852 1,991 SH   SOLE   1,991 0 0
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108   329,179 14,244 SH   SOLE   14,244 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   723,801 7,391 SH   SOLE   7,391 0 0
S&P GLOBAL INC COM 78409V104   863,994 2,506 SH   SOLE   2,506 0 0
SHERWIN WILLIAMS CO COM 824348106   621,040 2,763 SH   SOLE   2,763 0 0
CISCO SYS INC COM 17275R102   363,520 6,954 SH   SOLE   6,954 0 0
COCA COLA CO COM 191216100   358,630 5,782 SH   SOLE   5,782 0 0
HOME DEPOT INC COM 437076102   1,056,530 3,580 SH   SOLE   3,580 0 0
COMCAST CORP NEW CL A 20030N101   226,019 5,962 SH   SOLE   5,962 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   1,273,201 2,209 SH   SOLE   2,209 0 0
TJX COS INC NEW COM 872540109   663,631 8,469 SH   SOLE   8,469 0 0
VISA INC COM CL A 92826C839   1,257,616 5,578 SH   SOLE   5,578 0 0
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105   417,216 1,312 SH   SOLE   1,312 0 0
ZOETIS INC CL A 98978V103   798,080 4,795 SH   SOLE   4,795 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   3,285,401 94,408 SH   SOLE   94,408 0 0
EXXON MOBIL CORP COM 30231G102   568,039 5,180 SH   SOLE   5,180 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   451,370 9,251 SH   SOLE   9,251 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   4,029,323 96,096 SH   SOLE   96,096 0 0
CONSTELLATION BRANDS INC CL A 21036P108   209,174 926 SH   SOLE   926 0 0
JOHNSON & JOHNSON COM 478160104   566,680 3,656 SH   SOLE   3,656 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   820,636 16,966 SH   SOLE   16,966 0 0
JPMORGAN CHASE & CO COM 46625H100   471,408 3,618 SH   SOLE   3,618 0 0
GLOBAL X FDS US PFD ETF 37954Y657   346,920 17,468 SH   SOLE   17,468 0 0
EXTRA SPACE STORAGE INC COM 30225T102   6,443,067 39,545 SH   SOLE   39,545 0 0
NEWMONT CORP COM 651639106   534,462 10,903 SH   SOLE   10,903 0 0
INTUIT COM 461202103   245,652 551 SH   SOLE   551 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   328,001 1,342 SH   SOLE   1,342 0 0
SPDR GOLD TR GOLD SHS 78463V107   530,972 2,898 SH   SOLE   2,898 0 0
LUMEN TECHNOLOGIES INC COM 550241103   51,794 19,545 SH   SOLE   19,545 0 0