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   233,630 2,143 SH   SOLE   0 0 2,143
ACV AUCTIONS INC COM CL A 00091G104   428,504 24,812 SH   SOLE   0 0 24,812
ALPHABET INC CAP STK CL C 02079K107   355,652 2,940 SH   SOLE   0 0 2,940
ALPHABET INC CAP STK CL A 02079K305   630,819 5,270 SH   SOLE   0 0 5,270
AMAZON COM INC COM 023135106   949,021 7,280 SH   SOLE   0 0 7,280
AMERICAN EXPRESS CO COM 025816109   272,972 1,567 SH   SOLE   0 0 1,567
APPLE INC COM 037833100   4,396,971 22,668 SH   SOLE   0 0 22,668
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   288,225 10,860 SH   SOLE   0 0 10,860
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690   354,499 11,642 SH   SOLE   0 0 11,642
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716   485,431 16,911 SH   SOLE   0 0 16,911
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   916,158 29,563 SH   SOLE   0 0 29,563
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   3,701,440 153,906 SH   SOLE   0 0 153,906
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   11,664,891 480,630 SH   SOLE   0 0 480,630
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   17,832,120 656,800 SH   SOLE   0 0 656,800
EXXON MOBIL CORP COM 30231G102   421,707 3,932 SH   SOLE   0 0 3,932
GENERAL ELECTRIC CO COM NEW 369604301   217,073 1,976 SH   SOLE   0 0 1,976
HONEYWELL INTL INC COM 438516106   254,188 1,225 SH   SOLE   0 0 1,225
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,498,944 10,017 SH   SOLE   0 0 10,017
INVESCO QQQ TR UNIT SER 1 46090E103   354,644 960 SH   SOLE   0 0 960
ISHARES INC CORE MSCI EMKT 46434G103   13,407,821 272,019 SH   SOLE   0 0 272,019
ISHARES TR RUS MD CP GR ETF 464287481   203,503 2,106 SH   SOLE   0 0 2,106
ISHARES TR CORE S&P SCP ETF 464287804   206,127 2,069 SH   SOLE   0 0 2,069
ISHARES TR RUSSELL 2000 ETF 464287655   303,940 1,623 SH   SOLE   0 0 1,623
ISHARES TR S&P MC 400VL ETF 464287705   502,976 4,695 SH   SOLE   0 0 4,695
ISHARES TR RUS 1000 VAL ETF 464287598   526,801 3,338 SH   SOLE   0 0 3,338
ISHARES TR MBS ETF 464288588   552,036 5,919 SH   SOLE   0 0 5,919
ISHARES TR RUS MDCP VAL ETF 464287473   616,313 5,611 SH   SOLE   0 0 5,611
ISHARES TR NEW YORK MUN ETF 464288323   637,789 11,975 SH   SOLE   0 0 11,975
ISHARES TR RUS 1000 GRW ETF 464287614   714,368 2,596 SH   SOLE   0 0 2,596
ISHARES TR ISHS 1-5YR INVS 464288646   992,564 19,784 SH   SOLE   0 0 19,784
ISHARES TR SELECT DIVID ETF 464287168   1,016,188 8,969 SH   SOLE   0 0 8,969
ISHARES TR CORE S&P500 ETF 464287200   1,332,475 2,990 SH   SOLE   0 0 2,990
ISHARES TR SHRT NAT MUN ETF 464288158   1,376,138 13,227 SH   SOLE   0 0 13,227
ISHARES TR CORE US AGGBD ET 464287226   1,395,886 14,251 SH   SOLE   0 0 14,251
ISHARES TR NATIONAL MUN ETF 464288414   1,923,702 18,024 SH   SOLE   0 0 18,024
ISHARES TR MICRO-CAP ETF 464288869   1,961,669 17,948 SH   SOLE   0 0 17,948
ISHARES TR CORE 1 5 YR USD 46432F859   2,617,484 56,121 SH   SOLE   0 0 56,121
ISHARES TR 0-5YR INVT GR CP 46434V100   3,627,417 75,242 SH   SOLE   0 0 75,242
ISHARES TR CRE U S REIT ETF 464288521   19,340,632 376,204 SH   SOLE   0 0 376,204
ISHARES TR CORE MSCI EAFE 46432F842   28,524,860 422,591 SH   SOLE   0 0 422,591
JOHNSON & JOHNSON COM 478160104   846,966 5,117 SH   SOLE   0 0 5,117
JPMORGAN CHASE & CO COM 46625H100   256,411 1,763 SH   SOLE   0 0 1,763
LOWES COS INC COM 548661107   376,017 1,666 SH   SOLE   0 0 1,666
MANNKIND CORP COM NEW 56400P706   68,433 16,814 SH   SOLE   0 0 16,814
MCDONALDS CORP COM 580135101   264,093 885 SH   SOLE   0 0 885
META PLATFORMS INC CL A 30303M102   495,328 1,726 SH   SOLE   0 0 1,726
MICROSOFT CORP COM 594918104   2,759,476 8,103 SH   SOLE   0 0 8,103
NEXTERA ENERGY INC COM 65339F101   376,565 5,075 SH   SOLE   0 0 5,075
NVIDIA CORPORATION COM 67066G104   203,896 482 SH   SOLE   0 0 482
PEPSICO INC COM 713448108   332,285 1,794 SH   SOLE   0 0 1,794
PFIZER INC COM 717081103   223,831 6,102 SH   SOLE   0 0 6,102
PROCTER AND GAMBLE CO COM 742718109   467,967 3,084 SH   SOLE   0 0 3,084
RAYTHEON TECHNOLOGIES CORP COM 75513E101   1,002,327 10,232 SH   SOLE   0 0 10,232
ROCKWELL AUTOMATION INC COM 773903109   274,432 833 SH   SOLE   0 0 833
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   238,663 5,418 SH   SOLE   0 0 5,418
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   350,479 5,224 SH   SOLE   0 0 5,224
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   419,867 9,586 SH   SOLE   0 0 9,586
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   506,419 9,670 SH   SOLE   0 0 9,670
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   509,485 10,601 SH   SOLE   0 0 10,601
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   649,823 13,186 SH   SOLE   0 0 13,186
SCHWAB STRATEGIC TR US REIT ETF 808524847   3,226,432 165,204 SH   SOLE   0 0 165,204
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   5,915,638 240,180 SH   SOLE   0 0 240,180
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   6,163,509 172,889 SH   SOLE   0 0 172,889
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   9,002,268 174,125 SH   SOLE   0 0 174,125
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   22,034,838 652,497 SH   SOLE   0 0 652,497
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   90,815,267 1,967,402 SH   SOLE   0 0 1,967,402
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   231,747 1,746 SH   SOLE   0 0 1,746
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   213,875 622 SH   SOLE   0 0 622
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,108,824 32,252 SH   SOLE   0 0 32,252
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   2,355,181 72,378 SH   SOLE   0 0 72,378
SPDR S&P 500 ETF TR TR UNIT 78462F103   12,038,155 27,157 SH   SOLE   0 0 27,157
SPDR SER TR PORTFOLIO INTRMD 78464A375   210,803 6,565 SH   SOLE   0 0 6,565
SPDR SER TR S&P DIVID ETF 78464A763   472,914 3,858 SH   SOLE   0 0 3,858
SPDR SER TR PORTFOLIO SHORT 78464A474   1,640,486 55,723 SH   SOLE   0 0 55,723
SPDR SER TR S&P 600 SMCP VAL 78464A300   11,258,761 145,858 SH   SOLE   0 0 145,858
SPDR SER TR PORTFOLIO AGRGTE 78464A649   12,211,799 481,348 SH   SOLE   0 0 481,348
SPDR SER TR S&P 400 MDCP VAL 78464A839   13,563,923 197,207 SH   SOLE   0 0 197,207
SPDR SER TR PORTFOLI S&P1500 78464A805   77,053,145 1,415,377 SH   SOLE   0 0 1,415,377
TESLA INC COM 88160R101   1,121,423 4,284 SH   SOLE   0 0 4,284
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   363,912 4,432 SH   SOLE   0 0 4,432
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,709,581 49,088 SH   SOLE   0 0 49,088
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   50,155,345 689,990 SH   SOLE   0 0 689,990
VANGUARD INDEX FDS MID CAP ETF 922908629   285,768 1,298 SH   SOLE   0 0 1,298
VANGUARD INDEX FDS LARGE CAP ETF 922908637   564,981 2,787 SH   SOLE   0 0 2,787
VANGUARD INDEX FDS SML CP GRW ETF 922908595   610,879 2,659 SH   SOLE   0 0 2,659
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   645,089 3,135 SH   SOLE   0 0 3,135
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   928,392 6,709 SH   SOLE   0 0 6,709
VANGUARD INDEX FDS GROWTH ETF 922908736   1,024,316 3,620 SH   SOLE   0 0 3,620
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,236,897 6,219 SH   SOLE   0 0 6,219
VANGUARD INDEX FDS VALUE ETF 922908744   2,473,722 17,408 SH   SOLE   0 0 17,408
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,901,743 9,580 SH   SOLE   0 0 9,580
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   4,097,741 49,040 SH   SOLE   0 0 49,040
VANGUARD INDEX FDS SM CP VAL ETF 922908611   5,285,837 31,958 SH   SOLE   0 0 31,958
VANGUARD INDEX FDS TOTAL STK MKT 922908769   19,127,794 86,834 SH   SOLE   0 0 86,834
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   696,004 6,300 SH   SOLE   0 0 6,300
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,073,804 149,307 SH   SOLE   0 0 149,307
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,512,024 30,108 SH   SOLE   0 0 30,108
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   311,318 5,307 SH   SOLE   0 0 5,307
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   853,370 14,782 SH   SOLE   0 0 14,782
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   2,385,330 51,866 SH   SOLE   0 0 51,866
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   2,749,656 34,793 SH   SOLE   0 0 34,793
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   38,641,843 510,730 SH   SOLE   0 0 510,730
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   570,617 3,513 SH   SOLE   0 0 3,513
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,494,252 26,645 SH   SOLE   0 0 26,645
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   8,989,011 194,652 SH   SOLE   0 0 194,652
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   716,153 6,752 SH   SOLE   0 0 6,752
VANGUARD WORLD FD ESG US STK ETF 921910733   435,391 5,557 SH   SOLE   0 0 5,557
WISDOMTREE TR INTL SMCAP DIV 97717W760   213,685 3,594 SH   SOLE   0 0 3,594
WISDOMTREE TR INTL EQUITY FD 97717W703   286,049 5,718 SH   SOLE   0 0 5,718