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
ABBVIE INC COM 00287Y109 399 2,607 SH   SOLE   2,607 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 531 1,450 SH   SOLE   1,450 0 0
ADVANCED MICRO DEVICES INC COM 007903107 591 7,727 SH   SOLE   7,727 0 0
ALPHABET INC CAP STK CL A 02079K305 1,060 487 SH   SOLE   486 0 0
ALPHABET INC CAP STK CL C 02079K107 652 298 SH   SOLE   298 0 0
AMAZON COM INC COM 023135106 4,072 38,340 SH   SOLE   38,339 0 0
AMGEN INC COM 031162100 4,601 18,909 SH   SOLE   18,909 0 0
APPLE INC COM 037833100 8,242 60,281 SH   SOLE   60,280 0 0
APPLE INC COM 037833100 191 1,400 SH Call SOLE   0 0 0
ARK ETF TR INNOVATION ETF 00214Q104 361 9,040 SH   SOLE   9,039 0 0
AT&T INC COM 00206R102 226 10,782 SH   SOLE   10,781 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,130 4,139 SH   SOLE   4,138 0 0
BK OF AMERICA CORP COM 060505104 255 8,194 SH   SOLE   8,193 0 0
BLACKSTONE INC COM 09260D107 477 5,227 SH   SOLE   5,227 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 224 2,905 SH   SOLE   2,905 0 0
CHEVRON CORP NEW COM 166764100 495 3,421 SH   SOLE   3,420 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105 238 182 SH   SOLE   182 0 0
CITIGROUP INC COM NEW 172967424 248 5,393 SH   SOLE   5,393 0 0
COCA COLA CO COM 191216100 501 7,962 SH   SOLE   7,961 0 0
COMCAST CORP NEW CL A 20030N101 276 7,040 SH   SOLE   7,040 0 0
CONSOLIDATED EDISON INC COM 209115104 273 2,867 SH   SOLE   2,867 0 0
CVS HEALTH CORP COM 126650100 389 4,195 SH   SOLE   4,195 0 0
DEXCOM INC COM 252131107 214 2,871 SH   SOLE   2,871 0 0
DISNEY WALT CO COM 254687106 439 4,655 SH   SOLE   4,655 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 428 3,992 SH   SOLE   3,992 0 0
EA SERIES TRUST INTL QUAN VALUE 02072L201 16,443 731,125 SH   SOLE   731,125 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 265 2,792 SH   SOLE   2,792 0 0
EVEREST RE GROUP LTD COM G3223R108 850 3,033 SH   SOLE   3,033 0 0
EXXON MOBIL CORP COM 30231G102 524 6,114 SH   SOLE   6,113 0 0
FEDEX CORP COM 31428X106 204 902 SH   SOLE   902 0 0
GENERAL MTRS CO COM 37045V100 209 6,581 SH   SOLE   6,581 0 0
GRAN TIERRA ENERGY INC COM 38500T101 12 10,785 SH   SOLE   10,785 0 0
HAWAIIAN ELEC INDUSTRIES COM 419870100 279 6,819 SH   SOLE   6,819 0 0
HOME DEPOT INC COM 437076102 422 1,539 SH   SOLE   1,539 0 0
INTEL CORP COM 458140100 252 6,731 SH   SOLE   6,731 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 276 1,374 SH   SOLE   1,374 0 0
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 1,969 116,875 SH   SOLE   116,875 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 230 10,840 SH   SOLE   10,839 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 225 11,031 SH   SOLE   11,030 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 238 11,463 SH   SOLE   11,462 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 235 11,215 SH   SOLE   11,214 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 HY 46138J858 242 10,546 SH   SOLE   10,546 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 752 5,602 SH   SOLE   5,601 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 1,529 5,455 SH   SOLE   5,454 0 0
ISHARES INC CORE MSCI EMKT 46434G103 313 6,384 SH   SOLE   6,383 0 0
ISHARES TR EAFE GRWTH ETF 464288885 2,958 36,748 SH   SOLE   36,748 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 2,123 37,219 SH   SOLE   37,219 0 0
ISHARES TR CORE US AGGBD ET 464287226 1,065 10,469 SH   SOLE   10,469 0 0
ISHARES TR CORE MSCI EAFE 46432F842 7,328 124,513 SH   SOLE   124,512 0 0
ISHARES TR CORE S&P500 ETF 464287200 9,798 25,843 SH   SOLE   25,842 0 0
ISHARES TR S&P MC 400VL ETF 464287705 254 2,689 SH   SOLE   2,689 0 0
ISHARES TR RUS MD CP GR ETF 464287481 603 7,615 SH   SOLE   7,615 0 0
ISHARES TR CORE S&P MCP ETF 464287507 4,006 17,707 SH   SOLE   17,707 0 0
ISHARES TR NEW YORK MUN ETF 464288323 545 10,358 SH   SOLE   10,358 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 240 1,106 SH   SOLE   1,106 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 2,095 12,373 SH   SOLE   12,373 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 1,234 11,791 SH   SOLE   11,791 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 700 6,891 SH   SOLE   6,891 0 0
ISHARES TR NATIONAL MUN ETF 464288414 7,745 72,817 SH   SOLE   72,816 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,732 7,920 SH   SOLE   7,920 0 0
ISHARES TR EAFE VALUE ETF 464288877 607 13,993 SH   SOLE   13,993 0 0
ISHARES TR CORE S&P SCP ETF 464287804 3,855 41,721 SH   SOLE   41,721 0 0
ISHARES TR S&P 500 VAL ETF 464287408 243 1,765 SH   SOLE   1,765 0 0
ISHARES TR MSCI KLD400 SOC 464288570 215 2,992 SH   SOLE   2,992 0 0
ISHARES TR RUS TP200 GR ETF 464289438 373 2,976 SH   SOLE   2,976 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 544 13,566 SH   SOLE   13,566 0 0
ISTAR INC COM 45031U101 216 15,742 SH   SOLE   15,742 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 2,429 47,959 SH   SOLE   47,959 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 337 6,721 SH   SOLE   6,721 0 0
JOHNSON & JOHNSON COM 478160104 1,417 7,985 SH   SOLE   7,984 0 0
JPMORGAN CHASE & CO COM 46625H100 988 8,770 SH   SOLE   8,769 0 0
LENNAR CORP CL A 526057104 200 2,833 SH   SOLE   2,833 0 0
LILLY ELI & CO COM 532457108 263 810 SH   SOLE   810 0 0
LULULEMON ATHLETICA INC COM 550021109 277 1,016 SH   SOLE   1,016 0 0
LUMEN TECHNOLOGIES INC COM 550241103 181 16,563 SH   SOLE   16,563 0 0
MASTERCARD INCORPORATED CL A 57636Q104 1,620 5,134 SH   SOLE   5,134 0 0
MCDONALDS CORP COM 580135101 381 1,545 SH   SOLE   1,545 0 0
MERCK & CO INC COM 58933Y105 207 2,271 SH   SOLE   2,271 0 0
META PLATFORMS INC CL A 30303M102 1,560 9,675 SH   SOLE   9,675 0 0
MICRON TECHNOLOGY INC COM 595112103 332 5,997 SH   SOLE   5,997 0 0
MICROSOFT CORP COM 594918104 5,232 20,371 SH   SOLE   20,371 0 0
NUSHARES ETF TR NUVEEN ESG MIDCP 67092P409 226 6,586 SH   SOLE   6,586 0 0
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 257 5,330 SH   SOLE   5,329 0 0
NVIDIA CORPORATION COM 67066G104 933 6,157 SH   SOLE   6,156 0 0
PAYPAL HLDGS INC COM 70450Y103 325 4,648 SH   SOLE   4,648 0 0
PAYPAL HLDGS INC COM 70450Y103 98 1,400 SH Put SOLE   0 0 0
PEPSICO INC COM 713448108 306 1,837 SH   SOLE   1,837 0 0
PFIZER INC COM 717081103 1,082 20,632 SH   SOLE   20,632 0 0
PROCTER AND GAMBLE CO COM 742718109 891 6,196 SH   SOLE   6,195 0 0
QUALCOMM INC COM 747525103 413 3,232 SH   SOLE   3,232 0 0
SALESFORCE INC COM 79466L302 403 2,441 SH   SOLE   2,441 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 388 15,289 SH   SOLE   15,288 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 23,915 535,493 SH   SOLE   535,492 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 10,712 170,766 SH   SOLE   170,765 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,473 20,569 SH   SOLE   20,569 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 5,991 125,151 SH   SOLE   125,150 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 10,550 270,575 SH   SOLE   270,574 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 13,295 422,733 SH   SOLE   422,733 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 20,688 356,745 SH   SOLE   356,745 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 402 15,499 SH   SOLE   15,499 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 615 9,846 SH   SOLE   9,846 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 355 8,025 SH   SOLE   8,025 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 216 3,014 SH   SOLE   3,014 0 0
SERVICENOW INC COM 81762P102 666 1,401 SH   SOLE   1,401 0 0
SHOPIFY INC CL A 82509L107 203 6,500 SH   SOLE   6,500 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,278 6,037 SH   SOLE   6,037 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,753 4,239 SH   SOLE   4,239 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 1,040 26,215 SH   SOLE   26,215 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284 8,999 175,149 SH   SOLE   175,149 0 0
SPDR SER TR S&P DIVID ETF 78464A763 325 2,740 SH   SOLE   2,740 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721 7,835 170,842 SH   SOLE   170,842 0 0
TESLA INC COM 88160R101 3,636 5,400 SH   SOLE   5,399 0 0
TRACTOR SUPPLY CO COM 892356106 238 1,229 SH   SOLE   1,229 0 0
UNITEDHEALTH GROUP INC COM 91324P102 2,300 4,479 SH   SOLE   4,478 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 7,956 147,746 SH   SOLE   147,746 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 297 3,947 SH   SOLE   3,947 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 253 5,106 SH   SOLE   5,106 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 1,793 8,042 SH   SOLE   8,042 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,558 4,491 SH   SOLE   4,490 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 3,217 16,332 SH   SOLE   16,332 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,196 12,468 SH   SOLE   12,468 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 896 4,748 SH   SOLE   4,747 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 494 2,814 SH   SOLE   2,814 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,107 8,545 SH   SOLE   8,544 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 3,646 73,039 SH   SOLE   73,039 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 235 3,085 SH   SOLE   3,085 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 532 3,707 SH   SOLE   3,707 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 2,839 55,016 SH   SOLE   55,015 0 0
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 2,243 54,984 SH   SOLE   54,984 0 0
VEEVA SYS INC CL A COM 922475108 341 1,720 SH   SOLE   1,720 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 343 6,755 SH   SOLE   6,755 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100 211 749 SH   SOLE   748 0 0
VISA INC COM CL A 92826C839 138 700 SH Put SOLE   0 0 0
VISA INC COM CL A 92826C839 1,631 8,281 SH   SOLE   8,281 0 0
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 201 12,881 SH   SOLE   12,881 0 0
WALMART INC COM 931142103 223 1,831 SH   SOLE   1,831 0 0
WASTE MGMT INC DEL COM 94106L109 204 1,331 SH   SOLE   1,331 0 0
WISDOMTREE TR US LARGECAP DIVD 97717W307 32,350 547,373 SH   SOLE   547,372 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578 324 11,287 SH   SOLE   11,287 0 0
WISDOMTREE TR INTL QULTY DIV 97717X131 597 20,155 SH   SOLE   20,155 0 0