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   1,414,437 13,356 SH   SOLE 0 0 0 13,356
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   666,036 2,193 SH   SOLE 0 0 0 2,193
ADOBE INC COM 00724F101   949,996 1,954 SH   SOLE 0 0 0 1,954
ALLSTATE CORP COM 020002101   233,770 1,390 SH   SOLE 0 0 0 1,390
ALPHABET INC CAP STK CL A 02079K305   1,351,801 8,083 SH   SOLE 0 0 0 8,083
ALPHABET INC CAP STK CL C 02079K107   2,925,555 17,312 SH   SOLE 0 0 0 17,312
AMAZON COM INC COM 023135106   3,972,232 21,332 SH   SOLE 0 0 0 21,332
AMERICAN EXPRESS CO COM 025816109   207,693 900 SH   SOLE 0 0 0 900
AMERICAN TOWER CORP NEW COM 03027X100   813,186 4,474 SH   SOLE 0 0 0 4,474
APPLE INC COM 037833100   8,856,665 48,297 SH   SOLE 0 0 0 48,297
AUTODESK INC COM 052769106   865,709 4,023 SH   SOLE 0 0 0 4,023
AUTOMATIC DATA PROCESSING IN COM 053015103   1,981,321 8,191 SH   SOLE 0 0 0 8,191
AVIDXCHANGE HOLDINGS INC COM 05368X102   668,006 55,116 SH   SOLE 0 0 0 55,116
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   407,685 1,017 SH   SOLE 0 0 0 1,017
BLACKROCK INC COM 09247X101   1,445,318 1,892 SH   SOLE 0 0 0 1,892
BLACKSTONE INC COM 09260D107   1,607,390 13,623 SH   SOLE 0 0 0 13,623
BOOKING HOLDINGS INC COM 09857L108   1,320,131 369 SH   SOLE 0 0 0 369
BRIGHT HORIZONS FAM SOL IN D COM 109194100   841,010 7,561 SH   SOLE 0 0 0 7,561
CANADIAN PACIFIC KANSAS CITY COM 13646K108   759,986 9,532 SH   SOLE 0 0 0 9,532
CHEVRON CORP NEW COM 166764100   1,393,534 8,696 SH   SOLE 0 0 0 8,696
CME GROUP INC COM 12572Q105   1,392,170 6,704 SH   SOLE 0 0 0 6,704
COCA COLA CO COM 191216100   1,616,917 26,008 SH   SOLE 0 0 0 26,008
CONOCOPHILLIPS COM 20825C104   1,740,066 14,236 SH   SOLE 0 0 0 14,236
COSTAR GROUP INC COM 22160N109   859,843 9,425 SH   SOLE 0 0 0 9,425
COSTCO WHSL CORP NEW COM 22160K105   319,877 430 SH   SOLE 0 0 0 430
CROWN CASTLE INC COM 22822V101   840,190 8,627 SH   SOLE 0 0 0 8,627
DANAHER CORPORATION COM 235851102   906,587 3,650 SH   SOLE 0 0 0 3,650
DIAGEO PLC SPON ADR NEW 25243Q205   988,606 7,193 SH   SOLE 0 0 0 7,193
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   387,280 6,445 SH   SOLE 0 0 0 6,445
DOUGLAS ELLIMAN INC COM 25961D105   52,889 37,510 SH   SOLE 0 0 0 37,510
EIGER BIOPHARMACEUTICALS INC COM NEW 28249U204   169,874 63,150 SH   SOLE 0 0 0 63,150
ELEVANCE HEALTH INC COM 036752103   233,970 444 SH   SOLE 0 0 0 444
ENVIVA INC COM 29415B103   5,582 10,951 SH   SOLE 0 0 0 10,951
EQUIFAX INC COM 294429105   928,960 4,091 SH   SOLE 0 0 0 4,091
EQUINIX INC COM 29444U700   1,279,164 1,827 SH   SOLE 0 0 0 1,827
ETSY INC COM 29786A106   389,085 6,488 SH   SOLE 0 0 0 6,488
EXELIXIS INC COM 30161Q104   254,040 11,600 SH   SOLE 0 0 0 11,600
EXXON MOBIL CORP COM 30231G102   1,957,268 16,873 SH   SOLE 0 0 0 16,873
FAIR ISAAC CORP COM 303250104   2,077,030 1,741 SH   SOLE 0 0 0 1,741
FIRSTSERVICE CORP NEW COM 33767E202   918,325 6,141 SH   SOLE 0 0 0 6,141
GENERAL DYNAMICS CORP COM 369550108   1,874,387 6,505 SH   SOLE 0 0 0 6,505
GLOBAL X FDS FINTECH ETF 37954Y814   212,688 8,400 SH   SOLE 0 0 0 8,400
HOME DEPOT INC COM 437076102   1,792,206 5,227 SH   SOLE 0 0 0 5,227
HUMANA INC COM 444859102   1,009,380 3,149 SH   SOLE 0 0 0 3,149
INTERCONTINENTAL EXCHANGE IN COM 45866F104   955,439 7,321 SH   SOLE 0 0 0 7,321
INTUIT COM 461202103   1,175,951 1,869 SH   SOLE 0 0 0 1,869
IQVIA HLDGS INC COM 46266C105   216,669 970 SH   SOLE 0 0 0 970
ISHARES GOLD TR ISHARES NEW 464285204   5,017,856 115,300 SH   SOLE 0 0 0 115,300
ISHARES INC CORE MSCI EMKT 46434G103   415,763 7,780 SH   SOLE 0 0 0 7,780
ISHARES TR IBONDS DEC 2032 46436E296   2,256,465 101,849 SH   SOLE 0 0 0 101,849
ISHARES TR NATIONAL MUN ETF 464288414   272,649 2,556 SH   SOLE 0 0 0 2,556
ISHARES TR EAFE SML CP ETF 464288273   555,866 8,856 SH   SOLE 0 0 0 8,856
ISHARES TR IBONDS 29 TRM TS 46436E825   2,251,242 106,316 SH   SOLE 0 0 0 106,316
ISHARES TR IBONDS 26 TRM TS 46436E858   2,239,241 99,280 SH   SOLE 0 0 0 99,280
ISHARES TR IBONDS 25 TRM TS 46436E866   2,313,931 99,997 SH   SOLE 0 0 0 99,997
ISHARES TR IBONDS 24 TRM TS 46436E874   3,065,499 128,371 SH   SOLE 0 0 0 128,371
ISHARES TR IBONDS 27 TRM TS 46436E841   2,242,835 102,203 SH   SOLE 0 0 0 102,203
ISHARES TR IBONDS 28 TRM TS 46436E833   2,242,983 103,602 SH   SOLE 0 0 0 103,602
ISHARES TR IBONDS DEC24 ETF 46434VBG4   266,938 10,669 SH   SOLE 0 0 0 10,669
ISHARES TR IBONDS DEC25 ETF 46434VBD1   411,426 16,630 SH   SOLE 0 0 0 16,630
ISHARES TR IBONDS DEC 2031 46436E460   2,256,243 114,298 SH   SOLE 0 0 0 114,298
ISHARES TR IBOND DEC 2030 46436E593   2,253,941 118,224 SH   SOLE 0 0 0 118,224
ISHARES TR IBONDS DEC 2033 46436E148   2,250,926 95,056 SH   SOLE 0 0 0 95,056
ISHARES TR 20 YR TR BD ETF 464287432   1,033,609 11,505 SH   SOLE 0 0 0 11,505
ISHARES TR MSCI EMG MKT ETF 464287234   386,568 9,102 SH   SOLE 0 0 0 9,102
ISHARES TR CORE S&P MCP ETF 464287507   12,552,929 214,470 SH   SOLE 0 0 0 214,470
ISHARES TR CORE S&P SCP ETF 464287804   5,266,579 49,161 SH   SOLE 0 0 0 49,161
ISHARES TR SP SMCP600VL ETF 464287879   5,030,340 50,956 SH   SOLE 0 0 0 50,956
ISHARES TR S&P SML 600 GWT 464287887   4,295,028 33,618 SH   SOLE 0 0 0 33,618
ISHARES TR CORE S&P500 ETF 464287200   966,056 1,880 SH   SOLE 0 0 0 1,880
ISHARES TR S&P 500 GRWT ETF 464287309   302,133 3,624 SH   SOLE 0 0 0 3,624
ISHARES TR RUS 1000 ETF 464287622   257,524 916 SH   SOLE 0 0 0 916
ISHARES TR RUS 1000 GRW ETF 464287614   11,560,230 34,872 SH   SOLE 0 0 0 34,872
JABIL INC COM 466313103   293,284 2,502 SH   SOLE 0 0 0 2,502
JOHNSON & JOHNSON COM 478160104   1,764,477 11,821 SH   SOLE 0 0 0 11,821
MARATHON PETE CORP COM 56585A102   3,178,196 17,410 SH   SOLE 0 0 0 17,410
MARKEL GROUP INC COM 570535104   226,092 143 SH   SOLE 0 0 0 143
MARTIN MARIETTA MATLS INC COM 573284106   1,377,494 2,331 SH   SOLE 0 0 0 2,331
MASTERCARD INCORPORATED CL A 57636Q104   1,133,435 2,555 SH   SOLE 0 0 0 2,555
MCDONALDS CORP COM 580135101   1,659,842 6,140 SH   SOLE 0 0 0 6,140
META PLATFORMS INC CL A 30303M102   2,429,370 5,375 SH   SOLE 0 0 0 5,375
MICROSOFT CORP COM 594918104   6,107,467 15,019 SH   SOLE 0 0 0 15,019
MONSTER BEVERAGE CORP NEW COM 61174X109   960,025 17,455 SH   SOLE 0 0 0 17,455
MOODYS CORP COM 615369105   991,053 2,604 SH   SOLE 0 0 0 2,604
MORNINGSTAR INC COM 617700109   1,004,112 3,415 SH   SOLE 0 0 0 3,415
NORTHROP GRUMMAN CORP COM 666807102   242,050 516 SH   SOLE 0 0 0 516
NOVO-NORDISK A S ADR 670100205   756,758 6,150 SH   SOLE 0 0 0 6,150
NVIDIA CORPORATION COM 67066G104   231,739 261 SH   SOLE 0 0 0 261
PAYPAL HLDGS INC COM 70450Y103   580,394 8,834 SH   SOLE 0 0 0 8,834
PEPSICO INC COM 713448108   397,042 2,254 SH   SOLE 0 0 0 2,254
PHILIP MORRIS INTL INC COM 718172109   1,288,505 13,229 SH   SOLE 0 0 0 13,229
PROGRESSIVE CORP COM 743315103   2,622,567 12,565 SH   SOLE 0 0 0 12,565
REPUBLIC SVCS INC COM 760759100   2,171,396 11,705 SH   SOLE 0 0 0 11,705
S&P GLOBAL INC COM 78409V104   991,880 2,333 SH   SOLE 0 0 0 2,333
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,546,887 22,612 SH   SOLE 0 0 0 22,612
SPOTIFY TECHNOLOGY S A SHS L8681T102   1,374,949 4,644 SH   SOLE 0 0 0 4,644
STARBUCKS CORP COM 855244109   1,104,884 15,113 SH   SOLE 0 0 0 15,113
SYSCO CORP COM 871829107   1,647,746 21,865 SH   SOLE 0 0 0 21,865
TELEFLEX INCORPORATED COM 879369106   675,820 3,329 SH   SOLE 0 0 0 3,329
THERMO FISHER SCIENTIFIC INC COM 883556102   358,310 626 SH   SOLE 0 0 0 626
TJX COS INC NEW COM 872540109   1,173,856 12,342 SH   SOLE 0 0 0 12,342
TRANSDIGM GROUP INC COM 893641100   1,784,150 1,379 SH   SOLE 0 0 0 1,379
TRANSOCEAN LTD REGISTERED SHS H8817H100   1,040 26,000 SH Call SOLE 0 0 0 26,000
UBER TECHNOLOGIES INC COM 90353T100   1,558,160 22,507 SH   SOLE 0 0 0 22,507
UNION PAC CORP COM 907818108   1,602,240 6,666 SH   SOLE 0 0 0 6,666
UNITEDHEALTH GROUP INC COM 91324P102   2,195,745 4,459 SH   SOLE 0 0 0 4,459
VAIL RESORTS INC COM 91879Q109   980,366 5,027 SH   SOLE 0 0 0 5,027
VANGUARD INDEX FDS SML CP GRW ETF 922908595   887,242 3,577 SH   SOLE 0 0 0 3,577
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   697,931 1,485 SH   SOLE 0 0 0 1,485
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,503,871 5,932 SH   SOLE 0 0 0 5,932
VANGUARD INDEX FDS VALUE ETF 922908744   295,484 1,873 SH   SOLE 0 0 0 1,873
VANGUARD INDEX FDS GROWTH ETF 922908736   2,189,689 6,459 SH   SOLE 0 0 0 6,459
VANGUARD INDEX FDS MID CAP ETF 922908629   326,718 1,355 SH   SOLE 0 0 0 1,355
VANGUARD INDEX FDS SM CP VAL ETF 922908611   719,572 3,906 SH   SOLE 0 0 0 3,906
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,090,328 13,411 SH   SOLE 0 0 0 13,411
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   520,331 11,926 SH   SOLE 0 0 0 11,926
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   339,339 7,583 SH   SOLE 0 0 0 7,583
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   681,574 7,995 SH   SOLE 0 0 0 7,995
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   717,144 9,048 SH   SOLE 0 0 0 9,048
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   10,454,500 59,085 SH   SOLE 0 0 0 59,085
VANGUARD STAR FDS VG TL INTL STK F 921909768   376,471 6,234 SH   SOLE 0 0 0 6,234
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   202,453 4,085 SH   SOLE 0 0 0 4,085
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   8,251,414 70,447 SH   SOLE 0 0 0 70,447
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   446,010 5,594 SH   SOLE 0 0 0 5,594
VANGUARD WORLD FD INF TECH ETF 92204A702   648,543 1,273 SH   SOLE 0 0 0 1,273
VANGUARD WORLD FD CONSUM DIS ETF 92204A108   524,849 1,711 SH   SOLE 0 0 0 1,711
VANGUARD WORLD FD MEGA GRWTH IND 921910816   2,534,040 9,000 SH   SOLE 0 0 0 9,000
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   821,020 3,182 SH   SOLE 0 0 0 3,182
VERISIGN INC COM 92343E102   966,662 5,743 SH   SOLE 0 0 0 5,743
VERISK ANALYTICS INC COM 92345Y106   1,000,787 4,217 SH   SOLE 0 0 0 4,217
VISA INC COM CL A 92826C839   1,078,559 4,017 SH   SOLE 0 0 0 4,017
WALMART INC COM 931142103   1,779,022 29,740 SH   SOLE 0 0 0 29,740
WARNER MUSIC GROUP CORP COM CL A 934550203   1,435,109 42,036 SH   SOLE 0 0 0 42,036
WASTE MGMT INC DEL COM 94106L109   2,019,762 9,716 SH   SOLE 0 0 0 9,716
WILLIS TOWERS WATSON PLC LTD SHS G96629103   1,537,643 6,102 SH   SOLE 0 0 0 6,102
WORLD GOLD TR SPDR GLD MINIS 98149E303   5,008,118 109,779 SH   SOLE 0 0 0 109,779
ZILLOW GROUP INC CL C CAP STK 98954M200   616,454 15,150 SH   SOLE 0 0 0 15,150
ZOOMINFO TECHNOLOGIES INC COMMON STOCK 98980F104   776,339 48,160 SH   SOLE 0 0 0 48,160