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
3M CO COM 88579Y101   223,613 2,414 SH   SOLE   0 0 2,414
ALPHABET INC CAP STK CL A 02079K305   705,753 4,520 SH   SOLE   0 0 4,520
ALPHABET INC CAP STK CL C 02079K107   486,223 3,084 SH   SOLE   0 0 3,084
AMAZON COM INC COM 023135106   1,161,072 6,244 SH   SOLE   0 0 6,244
APPLE INC COM 037833100   719,393 4,288 SH   SOLE   0 0 4,288
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,724,537 9,104 SH   SOLE   0 0 9,104
BROADCOM INC COM 11135F101   729,948 552 SH   SOLE   0 0 552
DELL TECHNOLOGIES INC CL C 24703L202   393,550 3,190 SH   SOLE   0 0 3,190
ECOLAB INC COM 278865100   294,127 1,324 SH   SOLE   0 0 1,324
FIRST TR EXCHANGE-TRADED FD GBL WND ENRG ETF 33736G106   164,274 10,765 SH   SOLE   0 0 10,765
FREEPORT-MCMORAN INC CL B 35671D857   264,020 5,185 SH   SOLE   0 0 5,185
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297   3,172,616 132,968 SH   SOLE   0 0 132,968
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142   287,810 4,447 SH   SOLE   0 0 4,447
INVESCO QQQ TR UNIT SER 1 46090E103   483,084 1,102 SH   SOLE   0 0 1,102
ISHARES INC CORE MSCI EMKT 46434G103   1,083,040 20,896 SH   SOLE   0 0 20,896
ISHARES INC MSCI EMRG CHN 46434G764   3,530,037 61,296 SH   SOLE   0 0 61,296
ISHARES TR S&P 500 GRWT ETF 464287309   1,882,188 22,490 SH   SOLE   0 0 22,490
ISHARES TR RUS 1000 ETF 464287622   466,915 1,650 SH   SOLE   0 0 1,650
ISHARES TR RUS 1000 GRW ETF 464287614   332,640 1,000 SH   SOLE   0 0 1,000
ISHARES TR RUSSELL 2000 ETF 464287655   5,914,471 29,435 SH   SOLE   0 0 29,435
ISHARES TR CORE MSCI EAFE 46432F842   11,271,094 154,738 SH   SOLE   0 0 154,738
ISHARES TR S&P 500 VAL ETF 464287408   48,670,391 267,847 SH   SOLE   0 0 267,847
ISHARES TR RUS MID CAP ETF 464287499   3,245,816 39,627 SH   SOLE   0 0 39,627
ISHARES TR US AER DEF ETF 464288760   252,381 1,953 SH   SOLE   0 0 1,953
ISHARES TR CORE US AGGBD ET 464287226   15,796,282 164,957 SH   SOLE   0 0 164,957
ISHARES TR IBOXX INV CP ETF 464287242   942,484 8,888 SH   SOLE   0 0 8,888
ISHARES TR CONV BD ETF 46435G102   2,792,982 35,575 SH   SOLE   0 0 35,575
ISHARES TR RUS MDCP VAL ETF 464287473   24,006,732 196,938 SH   SOLE   0 0 196,938
ISHARES TR GL CLEAN ENE ETF 464288224   190,164 13,770 SH   SOLE   0 0 13,770
ISHARES TR U.S. FINLS ETF 464287788   365,396 3,940 SH   SOLE   0 0 3,940
ISHARES TR EAFE SML CP ETF 464288273   251,758 4,032 SH   SOLE   0 0 4,032
ISHARES TR NATIONAL MUN ETF 464288414   5,668,307 53,394 SH   SOLE   0 0 53,394
ISHARES TR TIPS BD ETF 464287176   685,910 6,481 SH   SOLE   0 0 6,481
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   8,640,056 171,873 SH   SOLE   0 0 171,873
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   2,447,082 48,390 SH   SOLE   0 0 48,390
MASTERCARD INCORPORATED CL A 57636Q104   249,598 532 SH   SOLE   0 0 532
MICROSOFT CORP COM 594918104   508,759 1,202 SH   SOLE   0 0 1,202
NVIDIA CORPORATION COM 67066G104   2,719,393 3,124 SH   SOLE   0 0 3,124
PHILLIPS 66 COM 718546104   229,572 1,390 SH   SOLE   0 0 1,390
PROSOMNUS INC COMMON STOCK 50535E108   38,032 67,265 SH   SOLE   0 0 67,265
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,069,468 10,936 SH   SOLE   0 0 10,936
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   593,970 4,195 SH   SOLE   0 0 4,195
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,199,374 5,859 SH   SOLE   0 0 5,859
SPDR S&P 500 ETF TR TR UNIT 78462F103   426,205 829 SH   SOLE   0 0 829
SPDR SER TR S&P 600 SMCP VAL 78464A300   5,856,860 74,486 SH   SOLE   0 0 74,486
TESLA INC COM 88160R101   332,124 1,934 SH   SOLE   0 0 1,934
UNITEDHEALTH GROUP INC COM 91324P102   220,074 489 SH   SOLE   0 0 489
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   313,870 4,418 SH   SOLE   0 0 4,418
VANGUARD INDEX FDS SMALL CP ETF 922908751   462,798 2,100 SH   SOLE   0 0 2,100
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,983,061 7,778 SH   SOLE   0 0 7,778
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   3,272,593 21,597 SH   SOLE   0 0 21,597
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   4,176,037 50,674 SH   SOLE   0 0 50,674
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   591,644 3,493 SH   SOLE   0 0 3,493
VANGUARD INDEX FDS VALUE ETF 922908744   4,885,590 30,771 SH   SOLE   0 0 30,771
VANGUARD INDEX FDS GROWTH ETF 922908736   951,721 2,792 SH   SOLE   0 0 2,792
VANGUARD INDEX FDS LARGE CAP ETF 922908637   608,460 2,578 SH   SOLE   0 0 2,578
VANGUARD INDEX FDS SM CP VAL ETF 922908611   316,636 1,716 SH   SOLE   0 0 1,716
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   2,846,898 69,555 SH   SOLE   0 0 69,555
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   4,910,429 116,141 SH   SOLE   0 0 116,141
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   207,869 1,911 SH   SOLE   0 0 1,911
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,521,880 21,759 SH   SOLE   0 0 21,759
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   9,817,950 205,655 SH   SOLE   0 0 205,655
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   796,383 15,982 SH   SOLE   0 0 15,982
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   56,460,502 659,508 SH   SOLE   0 0 659,508
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   4,597,032 19,638 SH   SOLE   0 0 19,638
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   330,330 4,067 SH   SOLE   0 0 4,067
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   1,716,180 22,369 SH   SOLE   0 0 22,369
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,470,610 50,205 SH   SOLE   0 0 50,205
VANGUARD WORLD FD INF TECH ETF 92204A702   1,686,696 3,281 SH   SOLE   0 0 3,281
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   720,779 2,775 SH   SOLE   0 0 2,775
VANGUARD WORLD FD COMM SRVC ETF 92204A884   686,733 5,212 SH   SOLE   0 0 5,212
VANGUARD WORLD FD CONSUM DIS ETF 92204A108   317,412 1,032 SH   SOLE   0 0 1,032