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   461,624 2,535 SH   SOLE   0 0 2,535
ADOBE INC COM 00724F101   226,818 450 SH   SOLE   0 0 450
ADVANCED MICRO DEVICES INC COM 007903107   201,788 1,118 SH   SOLE   0 0 1,118
ALPHABET INC CAP STK CL A 02079K305   1,558,352 10,325 SH   SOLE   0 0 10,325
ALPHABET INC CAP STK CL C 02079K107   1,197,220 7,863 SH   SOLE   0 0 7,863
ALTRIA GROUP INC COM 02209S103   304,033 6,970 SH   SOLE   0 0 6,970
AMAZON COM INC COM 023135106   2,300,206 12,752 SH   SOLE   0 0 12,752
AMERICAN EXPRESS CO COM 025816109   297,591 1,307 SH   SOLE   0 0 1,307
AMERICAN WTR WKS CO INC NEW COM 030420103   213,379 1,746 SH   SOLE   0 0 1,746
AMGEN INC COM 031162100   220,064 774 SH   SOLE   0 0 774
APPLE INC COM 037833100   7,717,266 45,004 SH   SOLE   0 0 45,004
APPLIED MATLS INC COM 038222105   372,451 1,806 SH   SOLE   0 0 1,806
ASML HOLDING N V N Y REGISTRY SHS N07059210   247,470 255 SH   SOLE   0 0 255
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,224,134 2,911 SH   SOLE   0 0 2,911
BROADCOM INC COM 11135F101   435,175 328 SH   SOLE   0 0 328
CHEVRON CORP NEW COM 166764100   488,994 3,100 SH   SOLE   0 0 3,100
CISCO SYS INC COM 17275R102   289,559 5,802 SH   SOLE   0 0 5,802
COCA COLA CO COM 191216100   290,360 4,746 SH   SOLE   0 0 4,746
COMCAST CORP NEW CL A 20030N101   447,199 10,316 SH   SOLE   0 0 10,316
COSTCO WHSL CORP NEW COM 22160K105   985,387 1,345 SH   SOLE   0 0 1,345
CSX CORP COM 126408103   294,150 7,935 SH   SOLE   0 0 7,935
DANAHER CORPORATION COM 235851102   497,025 1,990 SH   SOLE   0 0 1,990
DEERE & CO COM 244199105   354,879 864 SH   SOLE   0 0 864
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   448,711 12,280 SH   SOLE   0 0 12,280
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   380,854 6,684 SH   SOLE   0 0 6,684
DISNEY WALT CO COM 254687106   426,001 3,482 SH   SOLE   0 0 3,482
DUKE ENERGY CORP NEW COM NEW 26441C204   310,686 3,213 SH   SOLE   0 0 3,213
ELI LILLY & CO COM 532457108   654,653 842 SH   SOLE   0 0 842
EXXON MOBIL CORP COM 30231G102   238,292 2,050 SH   SOLE   0 0 2,050
GILEAD SCIENCES INC COM 375558103   959,941 13,105 SH   SOLE   0 0 13,105
HOME DEPOT INC COM 437076102   803,769 2,095 SH   SOLE   0 0 2,095
HONEYWELL INTL INC COM 438516106   320,308 1,561 SH   SOLE   0 0 1,561
INVESCO QQQ TR UNIT SER 1 46090E103   409,821 923 SH   SOLE   0 0 923
ISHARES INC MSCI GBL MIN VOL 464286525   14,522,409 137,954 SH   SOLE   0 0 137,954
ISHARES INC CORE MSCI EMKT 46434G103   8,514,155 165,003 SH   SOLE   0 0 165,003
ISHARES TR S&P 500 GRWT ETF 464287309   200,123 2,370 SH   SOLE   0 0 2,370
ISHARES TR RUS 1000 VAL ETF 464287598   1,555,481 8,685 SH   SOLE   0 0 8,685
ISHARES TR RUS 1000 GRW ETF 464287614   38,944,901 115,546 SH   SOLE   0 0 115,546
ISHARES TR U S EQUITY FACTR 46434V282   475,142 8,830 SH   SOLE   0 0 8,830
ISHARES TR IBONDS DEC24 ETF 46434VBG4   489,009 19,521 PRN   SOLE   0 0 19,521
ISHARES TR CORE US AGGBD ET 464287226   28,442,543 290,408 SH   SOLE   0 0 290,408
ISHARES TR IBONDS DEC 29 46436E205   799,420 35,032 SH   SOLE   0 0 35,032
ISHARES TR CORE TOTAL USD 46434V613   803,843 17,632 SH   SOLE   0 0 17,632
ISHARES TR IBONDS DEC2026 46435GAA0   1,354,515 56,793 PRN   SOLE   0 0 56,793
ISHARES TR NATIONAL MUN ETF 464288414   11,310,597 105,117 SH   SOLE   0 0 105,117
ISHARES TR US INFRASTRUC 46435U713   200,747 4,630 SH   SOLE   0 0 4,630
ISHARES TR MSCI USA QLT FCT 46432F339   291,228 1,772 SH   SOLE   0 0 1,772
ISHARES TR EXPONENTIAL TECH 46434V381   2,907,012 48,759 SH   SOLE   0 0 48,759
ISHARES TR IBDS DEC28 ETF 46435U515   786,803 31,592 SH   SOLE   0 0 31,592
ISHARES TR IBONDS 27 ETF 46435UAA9   867,629 36,455 PRN   SOLE   0 0 36,455
ISHARES TR RUSSELL 2000 ETF 464287655   242,055 1,151 SH   SOLE   0 0 1,151
ISHARES TR MSCI USA VALUE 46432F388   2,544,852 23,496 SH   SOLE   0 0 23,496
ISHARES TR CORE MSCI EAFE 46432F842   4,696,938 63,284 SH   SOLE   0 0 63,284
ISHARES TR MSCI USA MIN VOL 46429B697   19,194,629 229,656 SH   SOLE   0 0 229,656
ISHARES TR CORE S&P MCP ETF 464287507   22,985,967 378,432 SH   SOLE   0 0 378,432
ISHARES TR CORE S&P US VLU 464287663   211,991 2,344 SH   SOLE   0 0 2,344
ISHARES TR S&P 500 VAL ETF 464287408   295,720 1,583 SH   SOLE   0 0 1,583
ISHARES TR CORE HIGH DV ETF 46429B663   3,600,985 32,674 SH   SOLE   0 0 32,674
ISHARES TR IBONDS DEC25 ETF 46434VBD1   1,392,454 56,125 PRN   SOLE   0 0 56,125
ISHARES TR CORE S&P SCP ETF 464287804   17,218,612 155,796 SH   SOLE   0 0 155,796
ISHARES TR MSCI USA ESG SLC 464288802   211,899 1,941 SH   SOLE   0 0 1,941
ISHARES TR CORE MSCI TOTAL 46432F834   5,584,403 82,293 SH   SOLE   0 0 82,293
ISHARES TR CORE S&P500 ETF 464287200   40,473,487 76,985 SH   SOLE   0 0 76,985
ISHARES TR IBONDS 24 TRM TS 46436E874   263,268 10,997 SH   SOLE   0 0 10,997
ISHARES TR S&P MC 400VL ETF 464287705   280,820 2,374 SH   SOLE   0 0 2,374
ISHARES TR CORE S&P TTL STK 464287150   9,536,366 82,709 SH   SOLE   0 0 82,709
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   2,700,303 46,670 SH   SOLE   0 0 46,670
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   5,969,358 117,646 SH   SOLE   0 0 117,646
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203   308,354 5,685 SH   SOLE   0 0 5,685
JOHNSON & JOHNSON COM 478160104   915,203 5,785 SH   SOLE   0 0 5,785
JPMORGAN CHASE & CO COM 46625H100   1,625,388 8,115 SH   SOLE   0 0 8,115
LOCKHEED MARTIN CORP COM 539830109   267,236 588 SH   SOLE   0 0 588
LOWES COS INC COM 548661107   200,997 789 SH   SOLE   0 0 789
MASTERCARD INCORPORATED CL A 57636Q104   550,916 1,144 SH   SOLE   0 0 1,144
MCDONALDS CORP COM 580135101   573,216 2,033 SH   SOLE   0 0 2,033
MERCK & CO INC COM 58933Y105   753,698 5,712 SH   SOLE   0 0 5,712
META PLATFORMS INC CL A 30303M102   1,428,091 2,941 SH   SOLE   0 0 2,941
MICROSOFT CORP COM 594918104   5,931,157 14,098 SH   SOLE   0 0 14,098
MORGAN STANLEY COM NEW 617446448   203,291 2,159 SH   SOLE   0 0 2,159
NEXTERA ENERGY INC COM 65339F101   1,299,021 20,326 SH   SOLE   0 0 20,326
NORTHROP GRUMMAN CORP COM 666807102   212,046 443 SH   SOLE   0 0 443
NOVO-NORDISK A S ADR 670100205   265,788 2,070 SH   SOLE   0 0 2,070
NVIDIA CORPORATION COM 67066G104   1,482,742 1,641 SH   SOLE   0 0 1,641
PEPSICO INC COM 713448108   644,589 3,683 SH   SOLE   0 0 3,683
PFIZER INC COM 717081103   340,539 12,272 SH   SOLE   0 0 12,272
PHILIP MORRIS INTL INC COM 718172109   242,182 2,643 SH   SOLE   0 0 2,643
PROCTER AND GAMBLE CO COM 742718109   924,380 5,697 SH   SOLE   0 0 5,697
PROGRESSIVE CORP COM 743315103   213,231 1,031 SH   SOLE   0 0 1,031
QUALCOMM INC COM 747525103   268,848 1,588 SH   SOLE   0 0 1,588
RTX CORPORATION COM 75513E101   327,409 3,357 SH   SOLE   0 0 3,357
SALESFORCE INC COM 79466L302   278,290 924 SH   SOLE   0 0 924
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   3,239,794 40,181 SH   SOLE   0 0 40,181
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,718,644 8,252 SH   SOLE   0 0 8,252
SPDR GOLD TR GOLD SHS 78463V107   295,208 1,435 SH   SOLE   0 0 1,435
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,164,987 4,139 SH   SOLE   0 0 4,139
STARBUCKS CORP COM 855244109   216,976 2,374 SH   SOLE   0 0 2,374
SYSCO CORP COM 871829107   217,319 2,677 SH   SOLE   0 0 2,677
TESLA INC COM 88160R101   553,563 3,149 SH   SOLE   0 0 3,149
TEXAS INSTRS INC COM 882508104   251,747 1,445 SH   SOLE   0 0 1,445
THERMO FISHER SCIENTIFIC INC COM 883556102   293,899 506 SH   SOLE   0 0 506
TOYOTA MOTOR CORP ADS 892331307   227,519 904 SH   SOLE   0 0 904
TRANE TECHNOLOGIES PLC SHS G8994E103   721,681 2,404 SH   SOLE   0 0 2,404
UNION PAC CORP COM 907818108   310,733 1,264 SH   SOLE   0 0 1,264
UNITEDHEALTH GROUP INC COM 91324P102   491,237 993 SH   SOLE   0 0 993
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   19,321,397 266,025 SH   SOLE   0 0 266,025
VANGUARD INDEX FDS VALUE ETF 922908744   40,304,416 247,479 SH   SOLE   0 0 247,479
VANGUARD INDEX FDS MID CAP ETF 922908629   3,309,440 13,245 SH   SOLE   0 0 13,245
VANGUARD INDEX FDS GROWTH ETF 922908736   16,335,441 47,459 SH   SOLE   0 0 47,459
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   10,922,772 22,723 SH   SOLE   0 0 22,723
VANGUARD INDEX FDS TOTAL STK MKT 922908769   38,084,211 146,534 SH   SOLE   0 0 146,534
VANGUARD INDEX FDS SMALL CP ETF 922908751   4,275,884 18,705 SH   SOLE   0 0 18,705
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   441,448 3,995 SH   SOLE   0 0 3,995
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,661,965 28,337 SH   SOLE   0 0 28,337
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,195,471 28,620 SH   SOLE   0 0 28,620
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,982,263 41,392 SH   SOLE   0 0 41,392
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   13,889,856 274,503 SH   SOLE   0 0 274,503
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   1,028,724 17,570 SH   SOLE   0 0 17,570
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   28,707,962 157,209 SH   SOLE   0 0 157,209
VANGUARD STAR FDS VG TL INTL STK F 921909768   15,786,109 261,793 SH   SOLE   0 0 261,793
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,408,322 28,071 SH   SOLE   0 0 28,071
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607   2,089,600 16,468 SH   SOLE   0 0 16,468
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   8,965,010 74,097 SH   SOLE   0 0 74,097
VANGUARD WORLD FD ESG US STK ETF 921910733   413,484 4,437 SH   SOLE   0 0 4,437
VANGUARD WORLD FD INF TECH ETF 92204A702   208,687 398 SH   SOLE   0 0 398
VERIZON COMMUNICATIONS INC COM 92343V104   242,218 5,773 SH   SOLE   0 0 5,773
VISA INC COM CL A 92826C839   1,044,698 3,743 SH   SOLE   0 0 3,743
WALMART INC COM 931142103   382,862 6,363 SH   SOLE   0 0 6,363