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
ABBOTT LABS COM 002824100 BBG001S5N9M6 211,976 1,865 SH   SOLE   0 0 1,865
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 278,613 1,530 SH   SOLE   0 0 1,530
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 561,143 3,109 SH   SOLE   0 0 3,109
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 216,831 952 SH   SOLE   0 0 952
ANALOG DEVICES INC COM 032654105 BBG001S5ND38 968,073 4,894 SH   SOLE   0 0 4,894
APPLE INC COM 037833100 BBG001S5N8V8 1,644,860 9,592 SH   SOLE   0 0 9,592
AT&T INC COM 00206R102 BBG001S5VWH2 403,640 22,934 SH   SOLE   0 0 22,934
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 902,436 2,146 SH   SOLE   0 0 2,146
BNY MELLON ETF TRUST CONCENTRATED INT 09661T834 BBG013VPCL11 31,586,306 617,604 SH   SOLE   741 0 616,863
COCA COLA CO COM 191216100 BBG001S5SMQ8 259,036 4,234 SH   SOLE   0 0 4,234
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 334,933 457 SH   SOLE   0 0 457
CSX CORP COM 126408103 BBG001S5Q7Q3 665,614 17,956 SH   SOLE   0 0 17,956
DELTA AIR LINES INC DEL COM NEW 247361702 BBG001SPT759 293,394 6,129 SH   SOLE   0 0 6,129
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 538,485 16,854 SH   SOLE   0 0 16,854
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 BBG011DXY0L8 249,958 4,592 SH   SOLE   0 0 4,592
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 BBG012G2PD33 2,998,248 117,856 SH   SOLE   0 0 117,856
ECOLAB INC COM 278865100 BBG001S5QRB5 256,068 1,109 SH   SOLE   0 0 1,109
ELEVANCE HEALTH INC COM 036752103 BBG001S6KBQ8 425,203 820 SH   SOLE   0 0 820
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 539,251 4,639 SH   SOLE   0 0 4,639
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 36,124,649 797,278 SH   SOLE   387 0 796,891
GENERAL ELECTRIC CO COM NEW 369604301 BBG001S5PVD5 626,073 3,567 SH   SOLE   0 0 3,567
HOME DEPOT INC COM 437076102 BBG001S5RTW7 233,100 608 SH   SOLE   0 0 608
INTUIT COM 461202103 BBG001S6TWR2 863,850 1,329 SH   SOLE   0 0 1,329
INVESCO EXCHANGE TRADED FD T S&P MIDCAP 400 46137V225 BBG00KJR2CS6 233,635 1,942 SH   SOLE   0 0 1,942
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 214,253 1,265 SH   SOLE   0 0 1,265
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 931,252 2,097 SH   SOLE   0 0 2,097
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 736,402 9,922 SH   SOLE   0 0 9,922
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 39,224,735 645,781 SH   SOLE   2,125 0 643,656
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 24,169,036 218,685 SH   SOLE   0 0 218,685
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 219,058 1,900 SH   SOLE   0 0 1,900
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 12,949,214 24,631 SH   SOLE   0 0 24,631
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 936,925 20,551 SH   SOLE   0 0 20,551
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 4,354,747 41,957 SH   SOLE   0 0 41,957
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 1,051,975 16,611 SH   SOLE   0 0 16,611
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 3,156,125 58,017 SH   SOLE   0 0 58,017
ISHARES TR ESG AWARE MSCI 46435U663 BBG00KK87757 337,411 8,379 SH   SOLE   0 0 8,379
ISHARES TR GLOBAL REIT ETF 46434V647 BBG006S5D3J3 702,881 29,682 SH   SOLE   0 0 29,682
ISHARES TR GRWT ALLOCAT ETF 464289867 BBG001T3YV58 1,539,900 27,661 SH   SOLE   0 0 27,661
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 421,892 10,270 SH   SOLE   0 0 10,270
ISHARES TR MSCI USA ESG SLC 464288802 BBG001SN86J4 376,603 3,450 SH   SOLE   0 0 3,450
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 9,457,610 87,896 SH   SOLE   0 0 87,896
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 602,847 2,093 SH   SOLE   0 0 2,093
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 501,193 1,487 SH   SOLE   0 0 1,487
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 202,405 962 SH   SOLE   0 0 962
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 226,848 2,686 SH   SOLE   0 0 2,686
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 280,048 2,674 SH   SOLE   0 0 2,674
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 BBG00N6W8XF5 36,242,483 776,985 SH   SOLE   375 0 776,610
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 BBG00M8D2458 256,861 5,062 SH   SOLE   0 0 5,062
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 274,363 1,734 SH   SOLE   0 0 1,734
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 798,762 3,988 SH   SOLE   0 0 3,988
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 396,576 872 SH   SOLE   0 0 872
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 376,532 782 SH   SOLE   0 0 782
MICROSOFT CORP COM 594918104 BBG001S5TD05 779,849 1,854 SH   SOLE   0 0 1,854
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 202,397 224 SH   SOLE   0 0 224
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 495,623 5,082 SH   SOLE   0 0 5,082
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 BBG0051J0PJ9 1,534,515 22,771 SH   SOLE   0 0 22,771
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 20,846,043 224,828 SH   SOLE   0 0 224,828
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 8,810,187 115,954 SH   SOLE   0 0 115,954
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 6,270,724 101,043 SH   SOLE   0 0 101,043
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 13,579,843 166,767 SH   SOLE   0 0 166,767
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 3,082,473 62,601 SH   SOLE   0 0 62,601
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 210,144 1,009 SH   SOLE   0 0 1,009
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 BBG001S8LH99 236,667 595 SH   SOLE   0 0 595
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 653,399 1,249 SH   SOLE   0 0 1,249
SPDR SER TR NUVEEN BLOOMBERG 78464A284 BBG001V11QG4 3,712,179 144,499 SH   SOLE   0 0 144,499
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 13,870,065 189,611 SH   SOLE   0 0 189,611
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 20,696,086 413,096 SH   SOLE   0 0 413,096
SPRINKLR INC CL A 85208T107 BBG0043NCD14 133,436 10,875 SH   SOLE   0 0 10,875
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103 BBG002XY88Z0 8,470,775 303,069 SH   SOLE   0 0 303,069
T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107 BBG00WGK8YP7 13,237,964 375,013 SH   SOLE   0 0 375,013
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 263,754 1,514 SH   SOLE   0 0 1,514
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 BBG002XRNHT5 31,749,159 353,161 SH   SOLE   1,102 0 352,059
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 1,241,751 3,608 SH   SOLE   0 0 3,608
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 1,863,086 7,457 SH   SOLE   0 0 7,457
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 527,590 1,098 SH   SOLE   0 0 1,098
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 1,737,004 7,599 SH   SOLE   0 0 7,599
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 781,275 3,006 SH   SOLE   0 0 3,006
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 280,032 1,719 SH   SOLE   0 0 1,719
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 271,362 5,409 SH   SOLE   0 0 5,409
VELO3D INC COMMON STOCK 92259N104 BBG00YZ5PM72 8,334 18,292 SH   SOLE   0 0 18,292
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 338,747 8,073 SH   SOLE   0 0 8,073
VISA INC COM CL A 92826C839 BBG001SRCFY3 998,827 3,579 SH   SOLE   0 0 3,579