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
ALPHABET INC CAP STK CL A 02079K305 3,027 1,389 SH   SOLE   0 0 1,389
AMAZON COM INC COM 023135106 857 8,066 SH   SOLE   0 0 8,066
AMERISOURCEBERGEN CORP COM 03073E105 1,851 13,080 SH   SOLE   0 0 13,080
APPLE INC COM 037833100 483 3,530 SH   SOLE   0 0 3,530
BERKSHIRE HATHAWAY INC DEL CL A 084670108 409 1 SH   SOLE   0 0 1
BOOKING HOLDINGS INC COM 09857L108 1,450 829 SH   SOLE   0 0 829
CARMAX INC COM 143130102 857 9,474 SH   SOLE   0 0 9,474
CVS HEALTH CORP COM 126650100 589 6,358 SH   SOLE   0 0 6,358
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 891 38,256 SH   SOLE   0 0 38,256
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 384 17,902 SH   SOLE   0 0 17,902
DISNEY WALT CO COM 254687106 364 3,857 SH   SOLE   0 0 3,857
ELEVANCE HEALTH INC COM 036752103 1,444 2,993 SH   SOLE   0 0 2,993
ENBRIDGE INC COM 29250N105 2,623 62,070 SH   SOLE   0 0 62,070
EXXON MOBIL CORP COM 30231G102 2,761 32,238 SH   SOLE   0 0 32,238
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 1,248 12,929 SH   SOLE   0 0 12,929
FIDELITY NATL INFORMATION SV COM 31620M106 716 7,806 SH   SOLE   0 0 7,806
FISERV INC COM 337738108 347 3,900 SH   SOLE   0 0 3,900
IQVIA HLDGS INC COM 46266C105 2,271 10,467 SH   SOLE   0 0 10,467
ISHARES TR ESG AWR MSCI USA 46435G425 6,230 74,256 SH   SOLE   0 0 74,256
ISHARES TR US TREAS BD ETF 46429B267 7,368 308,280 SH   SOLE   0 0 308,280
ISHARES TR JPMORGAN USD EMG 464288281 751 8,796 SH   SOLE   0 0 8,796
ISHARES TR MSCI USA VALUE 46432F388 1,689 18,658 SH   SOLE   0 0 18,658
ISHARES TR U.S. MED DVC ETF 464288810 790 15,672 SH   SOLE   0 0 15,672
ISHARES TR MSCI USA MIN VOL 46429B697 607 8,647 SH   SOLE   0 0 8,647
ISHARES TR EAFE GRWTH ETF 464288885 2,502 31,081 SH   SOLE   0 0 31,081
ISHARES TR MSCI USA MMENTM 46432F396 721 5,289 SH   SOLE   0 0 5,289
ISHARES TR BROAD USD HIGH 46435U853 2,100 60,661 SH   SOLE   0 0 60,661
ISHARES TR ISHS 1-5YR INVS 464288646 272 5,376 SH   SOLE   0 0 5,376
ISHARES TR EAFE VALUE ETF 464288877 3,053 70,352 SH   SOLE   0 0 70,352
ISHARES TR MBS ETF 464288588 4,566 46,836 SH   SOLE   0 0 46,836
ISHARES TR FALN ANGLS USD 46435G474 3,064 124,450 SH   SOLE   0 0 124,450
ISHARES TR 10+ YR INVST GRD 464289511 1,411 26,464 SH   SOLE   0 0 26,464
JOHNSON & JOHNSON COM 478160104 202 1,137 SH   SOLE   0 0 1,137
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 30 14,717 SH   SOLE   0 0 14,717
LOCKHEED MARTIN CORP COM 539830109 528 1,228 SH   SOLE   0 0 1,228
LOWES COS INC COM 548661107 1,915 10,965 SH   SOLE   0 0 10,965
LYFT INC CL A COM 55087P104 216 16,300 SH   SOLE   0 0 16,300
MARTIN MARIETTA MATLS INC COM 573284106 782 2,613 SH   SOLE   0 0 2,613
MASTERCARD INCORPORATED CL A 57636Q104 3,062 9,707 SH   SOLE   0 0 9,707
META PLATFORMS INC CL A 30303M102 999 6,197 SH   SOLE   0 0 6,197
MICROSOFT CORP COM 594918104 2,747 10,695 SH   SOLE   0 0 10,695
NETFLIX INC COM 64110L106 427 2,441 SH   SOLE   0 0 2,441
PROCTER AND GAMBLE CO COM 742718109 218 1,516 SH   SOLE   0 0 1,516
ROBLOX CORP CL A 771049103 586 17,842 SH   SOLE   0 0 17,842
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 6,145 129,411 SH   SOLE   0 0 129,411
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 2,383 53,466 SH   SOLE   0 0 53,466
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,238 31,749 SH   SOLE   0 0 31,749
SCHWAB STRATEGIC TR US TIPS ETF 808524870 811 14,540 SH   SOLE   0 0 14,540
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,307 18,270 SH   SOLE   0 0 18,270
SPDR GOLD TR GOLD SHS 78463V107 233 1,383 SH   SOLE   0 0 1,383
SPDR SER TR PORTFOLIO S&P500 78464A854 5,619 126,726 SH   SOLE   0 0 126,726
STARBUCKS CORP COM 855244109 230 3,006 SH   SOLE   0 0 3,006
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 972 11,891 SH   SOLE   0 0 11,891
UBER TECHNOLOGIES INC COM 90353T100 606 29,637 SH   SOLE   0 0 29,637
UNITEDHEALTH GROUP INC COM 91324P102 1,531 2,981 SH   SOLE   0 0 2,981
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,412 7,487 SH   SOLE   0 0 7,487
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 422 1,215 SH   SOLE   0 0 1,215
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,125 14,751 SH   SOLE   0 0 14,751
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 839 10,479 SH   SOLE   0 0 10,479
VANGUARD STAR FDS VG TL INTL STK F 921909768 900 17,439 SH   SOLE   0 0 17,439
VISA INC COM CL A 92826C839 1,569 7,968 SH   SOLE   0 0 7,968
WISDOMTREE TR EM EX ST-OWNED 97717X578 2,058 71,768 SH   SOLE   0 0 71,768