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
AMAZON COM INC COM 023135106   316 2,474 SH   SOLE   0 0 2,474
APPLE INC COM 037833100   3,174 18,869 SH   SOLE   0 0 18,869
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   405 1,221 SH   SOLE   0 0 1,221
ALPHABET INC CAP STK CL A 02079K305   482 3,953 SH   SOLE   0 0 3,953
ARCH CAP GROUP LTD ORD G0450A105   244 3,000 SH   SOLE   0 0 3,000
CHEVRON CORP NEW COM 166764100   200 1,390 SH   SOLE   0 0 1,390
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   1,662 66,813 SH   SOLE   0 0 66,813
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   208 4,680 SH   SOLE   0 0 4,680
ELI LILLY & CO COM 532457108   308 550 SH   SOLE   0 0 550
EXXON MOBIL CORP COM 30231G102   411 3,902 SH   SOLE   0 0 3,902
HOME DEPOT INC COM 437076102   520 1,883 SH   SOLE   0 0 1,883
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   504 3,776 SH   SOLE   0 0 3,776
ISHARES TR CORE MSCI TOTAL 46432F834   5,254 91,889 SH   SOLE   0 0 91,889
ISHARES TR CORE TOTAL USD 46434V613   8,401 195,156 SH   SOLE   0 0 195,156
ISHARES TR CORE MSCI INTL 46435G326   3,332 60,102 SH   SOLE   0 0 60,102
ISHARES TR CORE S&P MCP ETF 464287507   484 2,089 SH   SOLE   0 0 2,089
ISHARES TR S&P 500 GRWT ETF 464287309   4,110 62,481 SH   SOLE   0 0 62,481
ISHARES TR CORE S&P US VLU 464287663   503 7,041 SH   SOLE   0 0 7,041
JOHNSON & JOHNSON COM 478160104   232 1,598 SH   SOLE   0 0 1,598
KRANESHARES TR KFA MOUNT LUCAS 500767652   2,282 70,421 SH   SOLE   0 0 70,421
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827   2,958 103,067 SH   SOLE   0 0 103,067
LOCKHEED MARTIN CORP COM 539830109   243 550 SH   SOLE   0 0 550
META PLATFORMS INC CL A 30303M102   480 1,618 SH   SOLE   0 0 1,618
MICROSOFT CORP COM 594918104   1,171 3,551 SH   SOLE   0 0 3,551
NORTHROP GRUMMAN CORP COM 666807102   245 520 SH   SOLE   0 0 520
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   623 13,087 SH   SOLE   0 0 13,087
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   8,521 175,803 SH   SOLE   0 0 175,803
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,043 14,827 SH   SOLE   0 0 14,827
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   3,572 66,829 SH   SOLE   0 0 66,829
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   204 3,059 SH   SOLE   0 0 3,059
SPDR S&P 500 ETF TR TR UNIT 78462F103   316 771 SH   SOLE   0 0 771
SPDR SER TR S&P 500 ESG ETF 78468R531   405 10,146 SH   SOLE   0 0 10,146
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   3,198 13,482 SH   SOLE   0 0 13,482
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885   337 4,289 SH   SOLE   0 0 4,289
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   24,648 65,326 SH   SOLE   0 0 65,326
VANGUARD INDEX FDS TOTAL STK MKT 922908769   5,069 24,956 SH   SOLE   0 0 24,956
VANGUARD INDEX FDS VALUE ETF 922908744   8,526 64,681 SH   SOLE   0 0 64,681
VANGUARD INDEX FDS MID CAP ETF 922908629   947 4,842 SH   SOLE   0 0 4,842
VANGUARD INDEX FDS SMALL CP ETF 922908751   205 1,170 SH   SOLE   0 0 1,170
VANGUARD INDEX FDS GROWTH ETF 922908736   19,702 75,066 SH   SOLE   0 0 75,066
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   8,629 152,172 SH   SOLE   0 0 152,172
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   200 3,472 SH   SOLE   0 0 3,472
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   3,468 35,135 SH   SOLE   0 0 35,135
WORLD GOLD TR SPDR GLD MINIS 98149E303   5,702 143,239 SH   SOLE   0 0 143,239