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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100 1,569 19,340 SH   DFND   0 19,340 0
APPLE INC COM 037833100 1,183 8,558 SH   DFND 1 0 8,558 0
BERKLEY W R CORP COM 084423102 223 3,453 SH   DFND 1 0 3,453 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 406 1 SH   DFND 1 0 1 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,712 6,412 SH   DFND 1 0 6,412 0
CBRE GROUP INC CL A 12504L109 274 4,062 SH   DFND 1 0 4,062 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 6,801 175,184 SH   DFND 1 0 175,184 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 512 17,308 SH   DFND 1 0 17,308 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 3,251 172,078 SH   DFND 1 0 172,078 0
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 200 8,370 SH   DFND 1 0 8,370 0
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 3,291 69,513 SH   DFND   0 69,513 0
FIRST TRUST LOW DURATION OPPORTUNITIES ETF MANAGD MUN ETF 33739N108 1,629 33,444 SH   DFND   0 33,444 0
INVESCO EXCH TRADED FD TR II S&P SMALLCAP 600 46138G664 221 2,295 SH   DFND 1 0 2,295 0
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 2,410 93,979 SH   DFND   0 93,979 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL DIS 46137V381 1,883 17,968 SH   DFND   0 17,968 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 7,077 31,258 SH   DFND   0 31,258 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 5,744 59,766 SH   DFND 1 0 59,766 0
ISHARES TR A RATE CP BD ETF 46429B291 975 21,482 SH   DFND 1 0 21,482 0
ISHARES TR ESG AWR MSCI USA 46435G425 1,244 15,670 SH   DFND 1 0 15,670 0
ISHARES TR FLTG RATE NT ETF 46429B655 4,584 91,196 SH   DFND   0 91,196 0
ISHARES TR GLOBAL REIT ETF 46434V647 976 45,891 SH   DFND 1 0 45,891 0
ISHARES TR IBONDS 27 ETF 46435UAA9 313 13,600 SH   DFND 1 0 13,600 0
ISHARES TR IBONDS DEC2026 46435GAA0 312 13,500 SH   DFND 1 0 13,500 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1 718 29,746 SH   DFND 1 0 29,746 0
ISHARES TR MORNINGSTAR GRWT 464287119 241 5,000 SH   DFND 1 0 5,000 0
ISHARES TR MSCI EAFE MIN VL 46429B689 340 5,965 SH   DFND 1 0 5,965 0
ISHARES TR MSCI INTL QUALTY 46434V456 1,088 39,160 SH   DFND 1 0 39,160 0
ISHARES TR MSCI USA MMENTM 46432F396 330 2,515 SH   DFND 1 0 2,515 0
ISHARES TR NATIONAL MUN ETF 464288414 960 9,362 SH   DFND 1 0 9,362 0
ISHARES TR PFD AND INCM SEC 464288687 5,575 176,039 SH   DFND 1 0 176,039 0
ISHARES TR RUS MDCP VAL ETF 464287473 549 5,717 SH   DFND 1 0 5,717 0
ISHARES TR RUSEL 2500 ETF 46435G268 412 8,281 SH   DFND 1 0 8,281 0
ISHARES TR SHRT NAT MUN ETF 464288158 1,421 13,840 SH   DFND 1 0 13,840 0
ISHARES TR TIPS BD ETF 464287176 4,648 44,305 SH   DFND 1 0 44,305 0
JOHNSON & JOHNSON COM 478160104 211 1,294 SH   DFND 1 0 1,294 0
MICROSOFT CORP COM 594918104 456 1,957 SH   DFND 1 0 1,957 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 4,739 47,934 SH   DFND 1 0 47,934 0
PIMCO ETF TR ENHANCD SHORT 72201R643 291 2,964 SH   DFND 1 0 2,964 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 2,890 60,350 SH   DFND   0 60,350 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 817 11,340 SH   DFND   0 11,340 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1,986 65,428 SH   DFND   0 65,428 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 739 20,849 SH   DFND   0 20,849 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 1,765 26,451 SH   DFND   0 26,451 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 379 3,130 SH   DFND 1 0 3,130 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 2,674 22,082 SH   DFND   0 22,082 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 2,074 25,037 SH   DFND   0 25,037 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 682 10,413 SH   DFND   0 10,413 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 677 9,958 SH   DFND   0 9,958 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 654 5,510 SH   DFND 1 0 5,510 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 4,400 170,558 SH   DFND 1 0 170,558 0
SPDR SER TR ICE PFD SEC ETF 78464A292 773 22,165 SH   DFND 1 0 22,165 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 331 13,039 SH   DFND 1 0 13,039 0
SPDR SER TR PORTFOLI S&P1500 78464A805 7,131 161,674 SH   DFND 1 0 161,674 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 3,276 104,588 SH   DFND 1 0 104,588 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 744 25,730 SH   DFND 1 0 25,730 0
VANECK ETF TRUST MRNGSTR INT MOAT 92189F593 1,847 74,028 SH   DFND 1 0 74,028 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 2,049 34,159 SH   DFND 1 0 34,159 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,774 37,080 SH   DFND 1 0 37,080 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 4,011 56,229 SH   DFND 1 0 56,229 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,953 16,452 SH   DFND 1 0 16,452 0
VANGUARD INDEX FDS VALUE ETF 922908744 460 3,729 SH   DFND 1 0 3,729 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 550 12,396 SH   DFND 1 0 12,396 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,073 29,419 SH   DFND 1 0 29,419 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,786 22,645 SH   DFND 1 0 22,645 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 201 4,166 SH   DFND 1 0 4,166 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,476 32,714 SH   DFND 1 0 32,714 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 4,765 82,460 SH   DFND 1 0 82,460 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 4,307 94,112 SH   DFND 1 0 94,112 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 798 21,945 SH   DFND 1 0 21,945 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 226 2,384 SH   DFND 1 0 2,384 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725 1,250 28,766 SH   DFND 1 0 28,766 0
WISDOMTREE TR EM EX ST-OWNED 97717X578 625 25,396 SH   DFND 1 0 25,396 0
WISDOMTREE TR US TOTAL DIVIDND 97717W109 423 7,800 SH   DFND 1 0 7,800 0