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   288,629 1,585 SH   SOLE   1,585 0 0
ABRDN ETFS BBRG ALL COMD K1 003261104   1,570,005 79,413 SH   SOLE   79,413 0 0
ADOBE INC COM 00724F101   651,439 1,291 SH   SOLE   1,291 0 0
ADVANCED MICRO DEVICES INC COM 007903107   590,744 3,273 SH   SOLE   3,273 0 0
ALPHABET INC CAP STK CL A 02079K305   439,357 2,911 SH   SOLE   2,911 0 0
ALPHABET INC CAP STK CL C 02079K107   949,037 6,233 SH   SOLE   6,233 0 0
AMAZON COM INC COM 023135106   1,051,435 5,829 SH   SOLE   5,829 0 0
AMERIPRISE FINL INC COM 03076C106   287,178 655 SH   SOLE   655 0 0
AMPHENOL CORP NEW CL A 032095101   457,247 3,964 SH   SOLE   3,964 0 0
ANALOG DEVICES INC COM 032654105   219,745 1,111 SH   SOLE   1,111 0 0
APPLE INC COM 037833100   1,790,102 10,439 SH   SOLE   10,439 0 0
APPLIED MATLS INC COM 038222105   295,734 1,434 SH   SOLE   1,434 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108   239,564 3,536 SH   SOLE   3,536 0 0
BANK AMERICA CORP COM 060505104   284,007 7,490 SH   SOLE   7,490 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   218,670 520 SH   SOLE   520 0 0
CONSTELLATION ENERGY CORP COM 21037T109   493,919 2,672 SH   SOLE   2,672 0 0
COSTCO WHSL CORP NEW COM 22160K105   591,232 807 SH   SOLE   807 0 0
DANAHER CORPORATION COM 235851102   399,802 1,601 SH   SOLE   1,601 0 0
DBX ETF TR XTRACK USD HIGH 233051432   5,269,274 147,557 SH   SOLE   147,557 0 0
DEXCOM INC COM 252131107   555,355 4,004 SH   SOLE   4,004 0 0
DRAFTKINGS INC NEW COM CL A 26142V105   978,813 21,555 SH   SOLE   21,555 0 0
ELI LILLY & CO COM 532457108   262,950 338 SH   SOLE   338 0 0
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   180,895 11,500 SH   SOLE   11,500 0 0
EXELON CORP COM 30161N101   296,916 7,903 SH   SOLE   7,903 0 0
EXXON MOBIL CORP COM 30231G102   552,256 4,751 SH   SOLE   4,751 0 0
HCA HEALTHCARE INC COM 40412C101   236,806 710 SH   SOLE   710 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   209,674 1,098 SH   SOLE   1,098 0 0
INTUIT COM 461202103   516,750 795 SH   SOLE   795 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   472,922 1,185 SH   SOLE   1,185 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   455,889 21,555 SH   SOLE   21,555 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   2,541,336 15,005 SH   SOLE   15,005 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   1,333,413 3,003 SH   SOLE   3,003 0 0
ISHARES INC CORE MSCI EMKT 46434G103   4,515,995 87,519 SH   SOLE   87,519 0 0
ISHARES INC MSCI GBL MIN VOL 464286525   496,564 4,717 SH   SOLE   4,717 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   227,228 2,691 SH   SOLE   2,691 0 0
ISHARES TR CORE MSCI INTL 46435G326   5,582,871 83,165 SH   SOLE   83,165 0 0
ISHARES TR NATIONAL MUN ETF 464288414   10,083,423 93,712 SH   SOLE   93,712 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   742,868 8,888 SH   SOLE   8,888 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   1,179,014 7,424 SH   SOLE   7,424 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   1,031,589 3,809 SH   SOLE   3,809 0 0
ISHARES TR JPMORGAN USD EMG 464288281   648,432 7,231 SH   SOLE   7,231 0 0
ISHARES TR CORE MSCI EAFE 46432F842   11,685,851 157,449 SH   SOLE   157,449 0 0
ISHARES TR USD INV GRDE ETF 464288620   223,693 4,406 SH   SOLE   4,406 0 0
JOHNSON & JOHNSON COM 478160104   361,464 2,285 SH   SOLE   2,285 0 0
JPMORGAN CHASE & CO COM 46625H100   528,107 2,637 SH   SOLE   2,637 0 0
KIMBERLY-CLARK CORP COM 494368103   312,380 2,415 SH   SOLE   2,415 0 0
KROGER CO COM 501044101   200,126 3,503 SH   SOLE   3,503 0 0
MARATHON PETE CORP COM 56585A102   323,811 1,607 SH   SOLE   1,607 0 0
MASTERCARD INCORPORATED CL A 57636Q104   649,156 1,348 SH   SOLE   1,348 0 0
MERCK & CO INC COM 58933Y105   406,670 3,082 SH   SOLE   3,082 0 0
META PLATFORMS INC CL A 30303M102   593,493 1,222 SH   SOLE   1,222 0 0
MICROSOFT CORP COM 594918104   1,775,798 4,221 SH   SOLE   4,221 0 0
NVIDIA CORPORATION COM 67066G104   674,056 746 SH   SOLE   746 0 0
NXP SEMICONDUCTORS N V COM N6596X109   215,064 868 SH   SOLE   868 0 0
POPULAR INC COM NEW 733174700   541,577 6,148 SH   SOLE   6,148 0 0
ROPER TECHNOLOGIES INC COM 776696106   209,754 374 SH   SOLE   374 0 0
SALESFORCE INC COM 79466L302   413,821 1,374 SH   SOLE   1,374 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   640,316 13,282 SH   SOLE   13,282 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   7,116,211 144,521 SH   SOLE   144,521 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   6,519,332 70,312 SH   SOLE   70,312 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   3,437,450 45,242 SH   SOLE   45,242 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   34,059,750 548,820 SH   SOLE   548,820 0 0
SLM CORP COM 78442P106   234,678 10,770 SH   SOLE   10,770 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   323,635 9,030 SH   SOLE   9,030 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   711,681 7,476 SH   SOLE   7,476 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284   388,888 15,138 SH   SOLE   15,138 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   207,612 1,526 SH   SOLE   1,526 0 0
TESLA INC COM 88160R101   284,780 1,620 SH   SOLE   1,620 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   251,083 432 SH   SOLE   432 0 0
UNITEDHEALTH GROUP INC COM 91324P102   391,802 792 SH   SOLE   792 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   4,544,893 86,967 SH   SOLE   86,967 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   3,768,608 153,758 SH   SOLE   153,758 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   310,851 4,298 SH   SOLE   4,298 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   13,750,999 189,329 SH   SOLE   189,329 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   697,120 9,092 SH   SOLE   9,092 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   335,628 4,451 SH   SOLE   4,451 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   739,863 15,041 SH   SOLE   15,041 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,991,171 4,142 SH   SOLE   4,142 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   4,266,042 16,363 SH   SOLE   16,363 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   19,244,146 118,164 SH   SOLE   118,164 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   18,923,296 54,978 SH   SOLE   54,978 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,273,162 22,270 SH   SOLE   22,270 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   435,556 1,905 SH   SOLE   1,905 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   7,630,763 182,685 SH   SOLE   182,685 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   2,095,128 43,749 SH   SOLE   43,749 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   755,990 14,941 SH   SOLE   14,941 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   551,309 12,087 SH   SOLE   12,087 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   223,149 1,222 SH   SOLE   1,222 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   30,628,897 610,502 SH   SOLE   610,502 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   3,417,440 53,523 SH   SOLE   53,523 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   503,560 4,162 SH   SOLE   4,162 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   229,983 5,481 SH   SOLE   5,481 0 0
VISA INC COM CL A 92826C839   578,533 2,073 SH   SOLE   2,073 0 0
WISDOMTREE TR BLMBG US BULL 97717W471   833,614 31,817 SH   SOLE   31,817 0 0
XERIS BIOPHARMA HOLDINGS INC COM 98422E103   31,301 14,163 SH   SOLE   14,163 0 0
ZOETIS INC CL A 98978V103   405,766 2,398 SH   SOLE   2,398 0 0