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
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 11,737 322,812 SH   SOLE   0 0 322,812
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 9,955 73,655 SH   SOLE   0 0 73,655
ISHARES TR CORE S&P500 ETF 464287200 8,943 24,936 SH   SOLE   0 0 24,936
ISHARES TR CORE MSCI EAFE 46432F842 7,636 144,987 SH   SOLE   0 0 144,987
ISHARES TR MSCI USA QLT FCT 46432F339 7,511 72,259 SH   SOLE   0 0 72,259
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 6,715 159,916 SH   SOLE   0 0 159,916
ISHARES TR NATIONAL MUN ETF 464288414 6,211 60,545 SH   SOLE   0 0 60,545
ISHARES TR CORE US AGGBD ET 464287226 5,976 62,035 SH   SOLE   0 0 62,035
SPDR SER TR PRTFLO S&P500 VL 78464A508 5,165 149,742 SH   SOLE   0 0 149,742
SPDR SER TR PRTFLO S&P500 GW 78464A409 4,916 98,128 SH   SOLE   0 0 98,128
ISHARES TR CORE S&P US VLU 464287663 4,728 75,518 SH   SOLE   0 0 75,518
ISHARES TR CORE S&P US GWT 464287671 4,563 56,915 SH   SOLE   0 0 56,915
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 4,527 94,039 SH   SOLE   0 0 94,039
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 4,029 56,480 SH   SOLE   0 0 56,480
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,955 80,980 SH   SOLE   0 0 80,980
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 2,636 26,400 SH   SOLE   0 0 26,400
ISHARES INC CORE MSCI EMKT 46434G103 2,177 50,649 SH   SOLE   0 0 50,649
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,169 77,095 SH   SOLE   0 0 77,095
APPLE INC COM 037833100 1,622 11,734 SH   SOLE   0 0 11,734
MICROSOFT CORP COM 594918104 1,341 5,756 SH   SOLE   0 0 5,756
ISHARES TR CORE S&P MCP ETF 464287507 1,248 5,694 SH   SOLE   0 0 5,694
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 1,091 20,127 SH   SOLE   0 0 20,127
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 1,063 17,807 SH   SOLE   0 0 17,807
ISHARES TR RUSSELL 3000 ETF 464287689 975 4,711 SH   SOLE   0 0 4,711
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 967 15,974 SH   SOLE   0 0 15,974
ISHARES TR CORE S&P SCP ETF 464287804 785 9,004 SH   SOLE   0 0 9,004
AMAZON COM INC COM 023135106 770 6,816 SH   SOLE   0 0 6,816
VANGUARD INDEX FDS VALUE ETF 922908744 682 5,527 SH   SOLE   0 0 5,527
VANGUARD INDEX FDS GROWTH ETF 922908736 647 3,022 SH   SOLE   0 0 3,022
SPDR SER TR S&P 600 SMCP VAL 78464A300 546 8,127 SH   SOLE   0 0 8,127
SPDR SER TR S&P 600 SMCP GRW 78464A201 539 7,909 SH   SOLE   0 0 7,909
TESLA INC COM 88160R101 524 1,977 SH   SOLE   0 0 1,977
ALPHABET INC CAP STK CL A 02079K305 453 4,737 SH   SOLE   0 0 4,737
UNITEDHEALTH GROUP INC COM 91324P102 412 816 SH   SOLE   0 0 816
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 399 17,819 SH   SOLE   0 0 17,819
JOHNSON & JOHNSON COM 478160104 385 2,359 SH   SOLE   0 0 2,359
ALPHABET INC CAP STK CL C 02079K107 378 3,932 SH   SOLE   0 0 3,932
SPDR SER TR S&P 400 MDCP VAL 78464A839 374 6,470 SH   SOLE   0 0 6,470
EXXON MOBIL CORP COM 30231G102 366 4,187 SH   SOLE   0 0 4,187
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 349 1,306 SH   SOLE   0 0 1,306
JPMORGAN CHASE & CO COM 46625H100 342 3,268 SH   SOLE   0 0 3,268
SPDR SER TR S&P 400 MDCP GRW 78464A821 341 5,650 SH   SOLE   0 0 5,650
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 340 8,040 SH   SOLE   0 0 8,040
AMPHENOL CORP NEW CL A 032095101 300 4,473 SH   SOLE   0 0 4,473
PROCTER AND GAMBLE CO COM 742718109 287 2,274 SH   SOLE   0 0 2,274
FIRST REP BK SAN FRANCISCO C COM 33616C100 252 1,929 SH   SOLE   0 0 1,929
PEPSICO INC COM 713448108 241 1,478 SH   SOLE   0 0 1,478
PAYCHEX INC COM 704326107 235 2,097 SH   SOLE   0 0 2,097
VISA INC COM CL A 92826C839 235 1,321 SH   SOLE   0 0 1,321
META PLATFORMS INC CL A 30303M102 231 1,699 SH   SOLE   0 0 1,699
LILLY ELI & CO COM 532457108 230 710 SH   SOLE   0 0 710
COCA COLA CO COM 191216100 229 4,082 SH   SOLE   0 0 4,082
PFIZER INC COM 717081103 225 5,133 SH   SOLE   0 0 5,133
BROWN & BROWN INC COM 115236101 222 3,673 SH   SOLE   0 0 3,673
CHEVRON CORP NEW COM 166764100 215 1,496 SH   SOLE   0 0 1,496
MCDONALDS CORP COM 580135101 215 933 SH   SOLE   0 0 933
MERCK & CO INC COM 58933Y105 214 2,480 SH   SOLE   0 0 2,480
AON PLC SHS CL A G0403H108 212 792 SH   SOLE   0 0 792
HOME DEPOT INC COM 437076102 212 769 SH   SOLE   0 0 769
ABBVIE INC COM 00287Y109 203 1,512 SH   SOLE   0 0 1,512