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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 13,899 257,873 SH   SOLE   257,873 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 16,478 322,709 SH   SOLE   322,709 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,455 69,850 SH   SOLE   69,850 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 14,344 44,700 SH   SOLE   44,700 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 3,974 15,609 SH   SOLE   15,609 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 4,175 27,770 SH   SOLE   27,770 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 3,698 13,122 SH   SOLE   13,122 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 4,153 23,223 SH   SOLE   23,223 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 7,884 142,922 SH   SOLE   142,922 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 13,675 92,958 SH   SOLE   92,958 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 852 5,201 SH   SOLE   5,201 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 334 4,560 SH   SOLE   4,560 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,037 6,040 SH   SOLE   6,040 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 7,178 112,921 SH   SOLE   112,921 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,253 32,244 SH   SOLE   32,244 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 364 4,294 SH   SOLE   4,294 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,357 22,186 SH   SOLE   22,186 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 210 703 SH   SOLE   703 0 0
ISHARES TR CORE S&P500 ETF 464287200 623 1,307 SH   SOLE   1,307 0 0
ISHARES TR CORE US AGGBD ET 464287226 370 3,240 SH   SOLE   3,240 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 323 4,016 SH   SOLE   4,016 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 308 3,815 SH   SOLE   3,815 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 222 1,000 SH   SOLE   1,000 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669 213 3,232 SH   SOLE   3,232 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 5,902 107,480 SH   SOLE   107,480 0 0
META PLATFORMS INC CL A 30303M102 209 620 SH   SOLE   620 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,090 9,573 SH   SOLE   9,573 0 0