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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   217,001 2,143 SH   SOLE   0 0 2,143
ACV AUCTIONS INC COM CL A 00091G104   320,323 24,812 SH   SOLE   0 0 24,812
ALPHABET INC CAP STK CL C 02079K107   305,760 2,940 SH   SOLE   0 0 2,940
ALPHABET INC CAP STK CL A 02079K305   567,404 5,470 SH   SOLE   0 0 5,470
AMAZON COM INC COM 023135106   758,149 7,340 SH   SOLE   0 0 7,340
AMERICAN EXPRESS CO COM 025816109   258,477 1,567 SH   SOLE   0 0 1,567
APPLE INC COM 037833100   4,016,560 24,358 SH   SOLE   0 0 24,358
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   273,021 10,860 SH   SOLE   0 0 10,860
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690   356,153 11,852 SH   SOLE   0 0 11,852
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716   457,998 17,205 SH   SOLE   0 0 17,205
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   815,860 28,358 SH   SOLE   0 0 28,358
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   3,327,818 141,069 SH   SOLE   0 0 141,069
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   10,909,460 453,333 SH   SOLE   0 0 453,333
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   16,102,825 631,979 SH   SOLE   0 0 631,979
EXXON MOBIL CORP COM 30231G102   431,184 3,932 SH   SOLE   0 0 3,932
HONEYWELL INTL INC COM 438516106   234,122 1,225 SH   SOLE   0 0 1,225
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,448,659 10,017 SH   SOLE   0 0 10,017
INVESCO QQQ TR UNIT SER 1 46090E103   306,168 954 SH   SOLE   0 0 954
ISHARES INC CORE MSCI EMKT 46434G103   12,266,391 251,412 SH   SOLE   0 0 251,412
ISHARES TR RUS MD CP GR ETF 464287481   200,219 2,199 SH   SOLE   0 0 2,199
ISHARES TR S&P MC 400GR ETF 464287606   207,523 2,902 SH   SOLE   0 0 2,902
ISHARES TR RUSSELL 2000 ETF 464287655   279,732 1,568 SH   SOLE   0 0 1,568
ISHARES TR S&P MC 400VL ETF 464287705   482,506 4,695 SH   SOLE   0 0 4,695
ISHARES TR RUS 1000 VAL ETF 464287598   508,084 3,337 SH   SOLE   0 0 3,337
ISHARES TR MBS ETF 464288588   560,707 5,919 SH   SOLE   0 0 5,919
ISHARES TR RUS MDCP VAL ETF 464287473   595,889 5,611 SH   SOLE   0 0 5,611
ISHARES TR RUS 1000 GRW ETF 464287614   634,281 2,596 SH   SOLE   0 0 2,596
ISHARES TR NEW YORK MUN ETF 464288323   636,074 11,887 SH   SOLE   0 0 11,887
ISHARES TR SELECT DIVID ETF 464287168   1,050,988 8,969 SH   SOLE   0 0 8,969
ISHARES TR ISHS 1-5YR INVS 464288646   1,107,281 21,909 SH   SOLE   0 0 21,909
ISHARES TR CORE S&P500 ETF 464287200   1,238,237 3,012 SH   SOLE   0 0 3,012
ISHARES TR SHRT NAT MUN ETF 464288158   1,499,751 14,327 SH   SOLE   0 0 14,327
ISHARES TR CORE US AGGBD ET 464287226   1,557,673 15,633 SH   SOLE   0 0 15,633
ISHARES TR MICRO-CAP ETF 464288869   1,832,589 17,535 SH   SOLE   0 0 17,535
ISHARES TR NATIONAL MUN ETF 464288414   1,959,576 18,188 SH   SOLE   0 0 18,188
ISHARES TR CORE 1 5 YR USD 46432F859   2,742,535 58,160 SH   SOLE   0 0 58,160
ISHARES TR 0-5YR INVT GR CP 46434V100   3,592,272 74,098 SH   SOLE   0 0 74,098
ISHARES TR CRE U S REIT ETF 464288521   18,087,215 358,873 SH   SOLE   0 0 358,873
ISHARES TR CORE MSCI EAFE 46432F842   26,531,894 396,887 SH   SOLE   0 0 396,887
JOHNSON & JOHNSON COM 478160104   793,135 5,117 SH   SOLE   0 0 5,117
JPMORGAN CHASE & CO COM 46625H100   229,737 1,763 SH   SOLE   0 0 1,763
LOWES COS INC COM 548661107   358,147 1,791 SH   SOLE   0 0 1,791
MANNKIND CORP COM NEW 56400P706   68,938 16,814 SH   SOLE   0 0 16,814
MCDONALDS CORP COM 580135101   243,820 872 SH   SOLE   0 0 872
META PLATFORMS INC CL A 30303M102   311,976 1,472 SH   SOLE   0 0 1,472
MICROSOFT CORP COM 594918104   2,258,214 7,833 SH   SOLE   0 0 7,833
NEXTERA ENERGY INC COM 65339F101   391,181 5,075 SH   SOLE   0 0 5,075
PEPSICO INC COM 713448108   326,864 1,793 SH   SOLE   0 0 1,793
PFIZER INC COM 717081103   244,755 5,999 SH   SOLE   0 0 5,999
PROCTER AND GAMBLE CO COM 742718109   458,560 3,084 SH   SOLE   0 0 3,084
RAYTHEON TECHNOLOGIES CORP COM 75513E101   1,002,020 10,232 SH   SOLE   0 0 10,232
ROCKWELL AUTOMATION INC COM 773903109   266,453 908 SH   SOLE   0 0 908
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   241,351 5,406 SH   SOLE   0 0 5,406
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   342,590 5,224 SH   SOLE   0 0 5,224
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   402,151 9,591 SH   SOLE   0 0 9,591
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   466,262 9,639 SH   SOLE   0 0 9,639
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   516,150 10,579 SH   SOLE   0 0 10,579
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   675,923 13,403 SH   SOLE   0 0 13,403
SCHWAB STRATEGIC TR US REIT ETF 808524847   3,309,686 169,727 SH   SOLE   0 0 169,727
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   6,056,067 246,985 SH   SOLE   0 0 246,985
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   6,217,308 178,658 SH   SOLE   0 0 178,658
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   9,029,786 188,710 SH   SOLE   0 0 188,710
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   21,013,080 623,349 SH   SOLE   0 0 623,349
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   86,204,039 1,837,647 SH   SOLE   0 0 1,837,647
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   226,038 1,746 SH   SOLE   0 0 1,746
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   206,890 622 SH   SOLE   0 0 622
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,130,420 33,121 SH   SOLE   0 0 33,121
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   2,506,902 78,048 SH   SOLE   0 0 78,048
SPDR S&P 500 ETF TR TR UNIT 78462F103   11,306,124 27,617 SH   SOLE   0 0 27,617
SPDR SER TR PORTFOLIO INTRMD 78464A375   220,153 6,776 SH   SOLE   0 0 6,776
SPDR SER TR S&P DIVID ETF 78464A763   477,274 3,858 SH   SOLE   0 0 3,858
SPDR SER TR PORTFOLIO SHORT 78464A474   1,701,059 57,410 SH   SOLE   0 0 57,410
SPDR SER TR S&P 600 SMCP VAL 78464A300   10,476,133 137,518 SH   SOLE   0 0 137,518
SPDR SER TR PORTFOLIO AGRGTE 78464A649   12,377,602 479,938 SH   SOLE   0 0 479,938
SPDR SER TR S&P 400 MDCP VAL 78464A839   12,486,728 188,964 SH   SOLE   0 0 188,964
SPDR SER TR PORTFOLI S&P1500 78464A805   68,543,989 1,359,191 SH   SOLE   0 0 1,359,191
TESLA INC COM 88160R101   887,929 4,280 SH   SOLE   0 0 4,280
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   479,553 5,938 SH   SOLE   0 0 5,938
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,747,858 48,998 SH   SOLE   0 0 48,998
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   51,128,582 692,518 SH   SOLE   0 0 692,518
VANGUARD INDEX FDS MID CAP ETF 922908629   258,588 1,226 SH   SOLE   0 0 1,226
VANGUARD INDEX FDS LARGE CAP ETF 922908637   518,211 2,774 SH   SOLE   0 0 2,774
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   762,995 3,915 SH   SOLE   0 0 3,915
VANGUARD INDEX FDS SML CP GRW ETF 922908595   776,912 3,590 SH   SOLE   0 0 3,590
VANGUARD INDEX FDS GROWTH ETF 922908736   1,086,811 4,357 SH   SOLE   0 0 4,357
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,174,704 6,197 SH   SOLE   0 0 6,197
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,190,140 8,877 SH   SOLE   0 0 8,877
VANGUARD INDEX FDS VALUE ETF 922908744   2,862,210 20,724 SH   SOLE   0 0 20,724
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,612,905 9,607 SH   SOLE   0 0 9,607
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   4,091,921 49,277 SH   SOLE   0 0 49,277
VANGUARD INDEX FDS SM CP VAL ETF 922908611   5,126,234 32,289 SH   SOLE   0 0 32,289
VANGUARD INDEX FDS TOTAL STK MKT 922908769   18,115,916 88,760 SH   SOLE   0 0 88,760
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   207,357 3,878 SH   SOLE   0 0 3,878
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   735,165 6,730 SH   SOLE   0 0 6,730
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,104,086 151,091 SH   SOLE   0 0 151,091
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,265,234 24,975 SH   SOLE   0 0 24,975
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   309,406 5,160 SH   SOLE   0 0 5,160
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   862,907 14,740 SH   SOLE   0 0 14,740
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   2,414,395 51,867 SH   SOLE   0 0 51,867
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   2,911,068 36,289 SH   SOLE   0 0 36,289
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   37,741,342 495,098 SH   SOLE   0 0 495,098
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   541,038 3,513 SH   SOLE   0 0 3,513
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,462,569 26,491 SH   SOLE   0 0 26,491
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   8,973,540 198,661 SH   SOLE   0 0 198,661
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   705,949 6,691 SH   SOLE   0 0 6,691
VANGUARD WORLD FD ESG US STK ETF 921910733   398,493 5,557 SH   SOLE   0 0 5,557
WISDOMTREE TR INTL SMCAP DIV 97717W760   211,860 3,477 SH   SOLE   0 0 3,477
WISDOMTREE TR INTL EQUITY FD 97717W703   271,245 5,454 SH   SOLE   0 0 5,454