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
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 264,141 1,540 SH   SOLE   0 0 1,540
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 481,601 2,969 SH   SOLE   0 0 2,969
AMAZON COM INC COM 023135106 BBG001S5PQL7 204,427 1,058 SH   SOLE   0 0 1,058
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 2,546,329 28,381 SH   SOLE   0 0 28,381
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 220,856 954 SH   SOLE   0 0 954
ANALOG DEVICES INC COM 032654105 BBG001S5ND38 1,117,206 4,894 SH   SOLE   0 0 4,894
APPLE INC COM 037833100 BBG001S5N8V8 1,973,913 9,372 SH   SOLE   0 0 9,372
AT&T INC COM 00206R102 BBG001S5VWH2 438,557 22,949 SH   SOLE   0 0 22,949
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 872,993 2,146 SH   SOLE   0 0 2,146
BNY MELLON ETF TRUST CONCENTRATED INT 09661T834 BBG013VPCL11 32,324,962 636,974 SH   SOLE   666 0 636,308
CATERPILLAR INC COM 149123101 BBG001S5PJ06 1,650,844 4,956 SH   SOLE   0 0 4,956
COCA COLA CO COM 191216100 BBG001S5SMQ8 260,392 4,091 SH   SOLE   0 0 4,091
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 351,186 413 SH   SOLE   0 0 413
CSX CORP COM 126408103 BBG001S5Q7Q3 607,648 18,166 SH   SOLE   0 0 18,166
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 500,429 15,522 SH   SOLE   0 0 15,522
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 BBG011DXY0L8 239,178 4,611 SH   SOLE   0 0 4,611
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 BBG012G2PD33 3,001,661 118,083 SH   SOLE   0 0 118,083
ECOLAB INC COM 278865100 BBG001S5QRB5 263,942 1,109 SH   SOLE   0 0 1,109
ELEVANCE HEALTH INC COM 036752103 BBG001S6KBQ8 429,153 792 SH   SOLE   0 0 792
ELI LILLY & CO COM 532457108 BBG001S5STL8 226,379 250 SH   SOLE   0 0 250
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 534,369 4,642 SH   SOLE   0 0 4,642
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 37,397,918 832,360 SH   SOLE   387 0 831,973
FRANKLIN TEMPLETON ETF TR US MID CP MLTFCT 35473P884 BBG00GKQZJ13 2,214,980 43,185 SH   SOLE   0 0 43,185
GE AEROSPACE COM NEW 369604301 BBG001S5PVD5 504,357 3,173 SH   SOLE   0 0 3,173
HOME DEPOT INC COM 437076102 BBG001S5RTW7 209,182 608 SH   SOLE   0 0 608
INTUIT COM 461202103 BBG001S6TWR2 873,432 1,329 SH   SOLE   0 0 1,329
INVESCO EXCHANGE TRADED FD T S&P MIDCAP 400 46137V225 BBG00KJR2CS6 202,734 1,772 SH   SOLE   0 0 1,772
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 208,650 1,270 SH   SOLE   0 0 1,270
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 998,197 2,083 SH   SOLE   0 0 2,083
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 724,067 9,968 SH   SOLE   0 0 9,968
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 36,370,743 621,510 SH   SOLE   1,831 0 619,679
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 23,424,805 219,621 SH   SOLE   0 0 219,621
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 240,747 2,027 SH   SOLE   0 0 2,027
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 14,056,194 25,686 SH   SOLE   0 0 25,686
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 719,985 15,922 SH   SOLE   0 0 15,922
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 4,266,914 41,710 SH   SOLE   0 0 41,710
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 967,871 15,702 SH   SOLE   0 0 15,702
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 3,047,944 57,465 SH   SOLE   0 0 57,465
ISHARES TR ESG AWARE MSCI 46435U663 BBG00KK87757 345,678 8,979 SH   SOLE   0 0 8,979
ISHARES TR GLOBAL REIT ETF 46434V647 BBG006S5D3J3 638,470 27,461 SH   SOLE   0 0 27,461
ISHARES TR GRWT ALLOCAT ETF 464289867 BBG001T3YV58 1,580,724 28,067 SH   SOLE   0 0 28,067
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 448,345 10,527 SH   SOLE   0 0 10,527
ISHARES TR MSCI USA ESG SLC 464288802 BBG001SN86J4 388,098 3,454 SH   SOLE   0 0 3,454
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 9,365,891 87,901 SH   SOLE   0 0 87,901
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 594,782 1,999 SH   SOLE   0 0 1,999
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 480,060 1,317 SH   SOLE   0 0 1,317
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 248,717 2,688 SH   SOLE   0 0 2,688
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 284,286 2,719 SH   SOLE   0 0 2,719
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 BBG00N6W8XF5 37,569,027 810,901 SH   SOLE   375 0 810,526
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 BBG00M8D2458 259,124 5,106 SH   SOLE   0 0 5,106
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 244,052 1,670 SH   SOLE   0 0 1,670
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 806,505 3,987 SH   SOLE   0 0 3,987
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 1,278,365 2,737 SH   SOLE   0 0 2,737
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 344,956 782 SH   SOLE   0 0 782
MICROSOFT CORP COM 594918104 BBG001S5TD05 828,179 1,853 SH   SOLE   0 0 1,853
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 284,513 2,303 SH   SOLE   0 0 2,303
PUTNAM ETF TRUST FOCUSED LAR CAP 746729300 BBG0115QY0G8 1,513,901 41,705 SH   SOLE   0 0 41,705
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 507,150 5,052 SH   SOLE   0 0 5,052
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 BBG0051J0PJ9 1,502,429 22,431 SH   SOLE   0 0 22,431
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 22,116,355 219,321 SH   SOLE   0 0 219,321
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 8,414,047 113,581 SH   SOLE   0 0 113,581
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 6,404,037 99,674 SH   SOLE   0 0 99,674
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 12,831,801 164,870 SH   SOLE   0 0 164,870
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 2,944,266 62,050 SH   SOLE   0 0 62,050
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 228,266 1,009 SH   SOLE   0 0 1,009
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 BBG001S8LH99 232,722 595 SH   SOLE   0 0 595
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 672,778 1,236 SH   SOLE   0 0 1,236
SPDR SER TR NUVEEN BLOOMBERG 78464A284 BBG001V11QG4 3,678,025 144,576 SH   SOLE   0 0 144,576
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 15,311,379 191,082 SH   SOLE   0 0 191,082
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 20,411,486 418,783 SH   SOLE   0 0 418,783
SPRINKLR INC CL A 85208T107 BBG0043NCD14 104,618 10,875 SH   SOLE   0 0 10,875
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103 BBG002XY88Z0 8,383,121 303,406 SH   SOLE   0 0 303,406
T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107 BBG00WGK8YP7 14,624,898 377,709 SH   SOLE   0 0 377,709
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 294,518 1,514 SH   SOLE   0 0 1,514
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 203,195 399 SH   SOLE   0 0 399
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 BBG002XRNHT5 31,273,087 361,079 SH   SOLE   1,102 0 359,977
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 1,299,166 3,474 SH   SOLE   0 0 3,474
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 1,802,677 7,446 SH   SOLE   0 0 7,446
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 551,791 1,103 SH   SOLE   0 0 1,103
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 1,659,720 7,612 SH   SOLE   0 0 7,612
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 811,641 3,034 SH   SOLE   0 0 3,034
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 278,707 1,737 SH   SOLE   0 0 1,737
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 269,593 5,455 SH   SOLE   0 0 5,455
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 324,362 7,865 SH   SOLE   0 0 7,865
VISA INC COM CL A 92826C839 BBG001SRCFY3 939,380 3,579 SH   SOLE   0 0 3,579