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
ABBVIE INC COM 00287Y109   714,191 4,481 SH   SOLE   0 0 4,481
ADOBE SYSTEMS INCORPORATED COM 00724F101   245,288 637 SH   SOLE   0 0 637
ALPHABET INC CAP STK CL A 02079K305   1,186,671 11,440 SH   SOLE   0 0 11,440
ALPHABET INC CAP STK CL C 02079K107   1,033,136 9,934 SH   SOLE   0 0 9,934
ALTRIA GROUP INC COM 02209S103   286,996 6,432 SH   SOLE   0 0 6,432
AMAZON COM INC COM 023135106   1,150,857 11,142 SH   SOLE   0 0 11,142
APPLE INC COM 037833100   7,524,663 45,632 SH   SOLE   0 0 45,632
APPLIED MATLS INC COM 038222105   511,587 4,165 SH   SOLE   0 0 4,165
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   729,315 2,362 SH   SOLE   0 0 2,362
BRISTOL-MYERS SQUIBB CO COM 110122108   276,500 3,989 SH   SOLE   0 0 3,989
CHEVRON CORP NEW COM 166764100   308,209 1,889 SH   SOLE   0 0 1,889
CISCO SYS INC COM 17275R102   264,565 5,061 SH   SOLE   0 0 5,061
COCA COLA CO COM 191216100   270,225 4,356 SH   SOLE   0 0 4,356
COMCAST CORP NEW CL A 20030N101   236,141 6,229 SH   SOLE   0 0 6,229
COSTCO WHSL CORP NEW COM 22160K105   332,903 670 SH   SOLE   0 0 670
DANAHER CORPORATION COM 235851102   388,981 1,543 SH   SOLE   0 0 1,543
DEERE & CO COM 244199105   360,857 874 SH   SOLE   0 0 874
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   296,970 6,684 SH   SOLE   0 0 6,684
DISNEY WALT CO COM 254687106   605,540 6,048 SH   SOLE   0 0 6,048
DUKE ENERGY CORP NEW COM NEW 26441C204   223,284 2,315 SH   SOLE   0 0 2,315
FORTINET INC COM 34959E109   709,859 10,681 SH   SOLE   0 0 10,681
GILEAD SCIENCES INC COM 375558103   1,167,388 14,070 SH   SOLE   0 0 14,070
GOLDMAN SACHS GROUP INC COM 38141G104   228,869 700 SH   SOLE   0 0 700
HOME DEPOT INC COM 437076102   456,550 1,547 SH   SOLE   0 0 1,547
HONEYWELL INTL INC COM 438516106   262,518 1,374 SH   SOLE   0 0 1,374
INTUITIVE SURGICAL INC COM NEW 46120E602   250,616 981 SH   SOLE   0 0 981
INVESCO QQQ TR UNIT SER 1 46090E103   456,683 1,423 SH   SOLE   0 0 1,423
ISHARES INC CORE MSCI EMKT 46434G103   7,022,052 143,924 SH   SOLE   0 0 143,924
ISHARES INC MSCI GBL MIN VOL 464286525   15,138,698 156,472 SH   SOLE   0 0 156,472
ISHARES TR CORE S&P TTL STK 464287150   7,057,762 77,943 SH   SOLE   0 0 77,943
ISHARES TR CORE MSCI TOTAL 46432F834   4,511,137 72,819 SH   SOLE   0 0 72,819
ISHARES TR RUS 1000 GRW ETF 464287614   29,708,995 121,594 SH   SOLE   0 0 121,594
ISHARES TR CORE S&P US VLU 464287663   249,672 3,384 SH   SOLE   0 0 3,384
ISHARES TR SHRT NAT MUN ETF 464288158   814,410 7,780 SH   SOLE   0 0 7,780
ISHARES TR RUS 1000 VAL ETF 464287598   1,397,671 9,180 SH   SOLE   0 0 9,180
ISHARES TR CORE S&P MCP ETF 464287507   16,390,362 65,520 SH   SOLE   0 0 65,520
ISHARES TR IBONDS 24 TRM TS 46436E874   263,918 10,992 SH   SOLE   0 0 10,992
ISHARES TR IBONDS 27 ETF 46435UAA9   294,415 12,360 PRN   SOLE   0 0 12,360
ISHARES TR U S EQUITY FACTR 46434V282   299,363 7,224 SH   SOLE   0 0 7,224
ISHARES TR EXPONENTIAL TECH 46434V381   2,571,707 48,799 SH   SOLE   0 0 48,799
ISHARES TR PFD AND INCM SEC 464288687   250,166 8,013 SH   SOLE   0 0 8,013
ISHARES TR IBONDS DEC2026 46435GAA0   432,456 18,224 PRN   SOLE   0 0 18,224
ISHARES TR S&P MC 400VL ETF 464287705   248,703 2,420 SH   SOLE   0 0 2,420
ISHARES TR IBONDS DEC 29 46436E205   278,106 12,155 SH   SOLE   0 0 12,155
ISHARES TR RUSSELL 2000 ETF 464287655   219,967 1,233 SH   SOLE   0 0 1,233
ISHARES TR CORE S&P SCP ETF 464287804   13,228,109 136,795 SH   SOLE   0 0 136,795
ISHARES TR MSCI USA MIN VOL 46429B697   17,222,236 236,764 SH   SOLE   0 0 236,764
ISHARES TR CORE US AGGBD ET 464287226   13,507,953 135,568 SH   SOLE   0 0 135,568
ISHARES TR CORE HIGH DV ETF 46429B663   3,868,694 38,055 SH   SOLE   0 0 38,055
ISHARES TR CORE S&P500 ETF 464287200   31,623,945 76,929 SH   SOLE   0 0 76,929
ISHARES TR NATIONAL MUN ETF 464288414   12,745,828 118,302 SH   SOLE   0 0 118,302
ISHARES TR IBONDS DEC25 ETF 46434VBD1   381,687 15,560 PRN   SOLE   0 0 15,560
ISHARES TR CORE MSCI EAFE 46432F842   3,347,915 50,081 SH   SOLE   0 0 50,081
ISHARES TR US INFRASTRUC 46435U713   222,135 5,952 SH   SOLE   0 0 5,952
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   329,747 6,553 SH   SOLE   0 0 6,553
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   1,307,233 23,942 SH   SOLE   0 0 23,942
JOHNSON & JOHNSON COM 478160104   798,980 5,155 SH   SOLE   0 0 5,155
JPMORGAN CHASE & CO COM 46625H100   473,387 3,633 SH   SOLE   0 0 3,633
LAUDER ESTEE COS INC CL A 518439104   206,041 836 SH   SOLE   0 0 836
LILLY ELI & CO COM 532457108   316,462 922 SH   SOLE   0 0 922
MCDONALDS CORP COM 580135101   528,194 1,889 SH   SOLE   0 0 1,889
MERCK & CO INC COM 58933Y105   560,569 5,269 SH   SOLE   0 0 5,269
META PLATFORMS INC CL A 30303M102   902,864 4,260 SH   SOLE   0 0 4,260
MICROSOFT CORP COM 594918104   3,759,615 13,041 SH   SOLE   0 0 13,041
NEXTERA ENERGY INC COM 65339F101   1,991,884 25,842 SH   SOLE   0 0 25,842
NVIDIA CORPORATION COM 67066G104   287,214 1,034 SH   SOLE   0 0 1,034
PALO ALTO NETWORKS INC COM 697435105   295,415 1,479 SH   SOLE   0 0 1,479
PEPSICO INC COM 713448108   666,882 3,658 SH   SOLE   0 0 3,658
PFIZER INC COM 717081103   579,917 14,214 SH   SOLE   0 0 14,214
PHILIP MORRIS INTL INC COM 718172109   214,274 2,203 SH   SOLE   0 0 2,203
PROCTER AND GAMBLE CO COM 742718109   456,851 3,073 SH   SOLE   0 0 3,073
RAYTHEON TECHNOLOGIES CORP COM 75513E101   357,250 3,648 SH   SOLE   0 0 3,648
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   677,681 9,263 SH   SOLE   0 0 9,263
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,426,289 9,445 SH   SOLE   0 0 9,445
SPDR GOLD TR GOLD SHS 78463V107   262,921 1,435 SH   SOLE   0 0 1,435
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,303,088 3,183 SH   SOLE   0 0 3,183
STARBUCKS CORP COM 855244109   219,420 2,107 SH   SOLE   0 0 2,107
TESLA INC COM 88160R101   604,124 2,912 SH   SOLE   0 0 2,912
TEXAS INSTRS INC COM 882508104   373,337 2,007 SH   SOLE   0 0 2,007
TRANE TECHNOLOGIES PLC SHS G8994E103   370,720 2,015 SH   SOLE   0 0 2,015
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   263,190 1,000 SH   SOLE   0 0 1,000
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   9,406,223 127,404 SH   SOLE   0 0 127,404
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,296,035 12,112 SH   SOLE   0 0 12,112
VANGUARD INDEX FDS MID CAP ETF 922908629   2,192,438 10,395 SH   SOLE   0 0 10,395
VANGUARD INDEX FDS GROWTH ETF 922908736   11,464,136 45,959 SH   SOLE   0 0 45,959
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   7,871,180 20,930 SH   SOLE   0 0 20,930
VANGUARD INDEX FDS VALUE ETF 922908744   30,474,413 220,653 SH   SOLE   0 0 220,653
VANGUARD INDEX FDS TOTAL STK MKT 922908769   30,044,399 147,204 SH   SOLE   0 0 147,204
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,945,666 36,388 SH   SOLE   0 0 36,388
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,366,068 33,814 SH   SOLE   0 0 33,814
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,451,863 30,361 SH   SOLE   0 0 30,361
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   17,612,308 347,657 SH   SOLE   0 0 347,657
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   226,220 2,820 SH   SOLE   0 0 2,820
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   21,302,210 138,317 SH   SOLE   0 0 138,317
VANGUARD STAR FDS VG TL INTL STK F 921909768   12,496,820 226,351 SH   SOLE   0 0 226,351
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,103,503 24,430 SH   SOLE   0 0 24,430
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607   810,211 8,176 SH   SOLE   0 0 8,176
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   7,277,485 68,981 SH   SOLE   0 0 68,981
VANGUARD WORLD FD ESG US STK ETF 921910733   278,737 3,887 SH   SOLE   0 0 3,887
VERIZON COMMUNICATIONS INC COM 92343V104   266,483 6,852 SH   SOLE   0 0 6,852
VISA INC COM CL A 92826C839   600,708 2,664 SH   SOLE   0 0 2,664
WALMART INC COM 931142103   328,813 2,230 SH   SOLE   0 0 2,230