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
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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
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   8,837,556 195,651 SH   SOLE   0 0 195,651
ISHARES TR CORE MSCI EAFE 46432F842   8,644,441 129,311 SH   SOLE   0 0 129,311
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   7,721,292 50,135 SH   SOLE   0 0 50,135
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   7,651,981 159,916 SH   SOLE   0 0 159,916
ISHARES TR MSCI USA QLT FCT 46432F339   6,875,807 55,421 SH   SOLE   0 0 55,421
ISHARES TR NATIONAL MUN ETF 464288414   4,024,520 37,354 SH   SOLE   0 0 37,354
SPDR SER TR PRTFLO S&P500 VL 78464A508   3,728,649 91,568 SH   SOLE   0 0 91,568
SPDR SER TR PRTFLO S&P500 GW 78464A409   3,702,920 66,888 SH   SOLE   0 0 66,888
ISHARES TR CORE US AGGBD ET 464287226   3,454,121 34,666 SH   SOLE   0 0 34,666
ISHARES TR CORE S&P500 ETF 464287200   3,356,701 8,166 SH   SOLE   0 0 8,166
ISHARES TR CORE S&P US VLU 464287663   3,302,467 44,761 SH   SOLE   0 0 44,761
ISHARES TR CORE S&P US GWT 464287671   3,291,148 37,075 SH   SOLE   0 0 37,075
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   3,044,159 41,232 SH   SOLE   0 0 41,232
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,253,092 64,744 SH   SOLE   0 0 64,744
ISHARES INC CORE MSCI EMKT 46434G103   2,172,863 44,535 SH   SOLE   0 0 44,535
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,093,852 51,828 SH   SOLE   0 0 51,828
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,889,011 37,288 SH   SOLE   0 0 37,288
APPLE INC COM 037833100   1,794,607 10,883 SH   SOLE   0 0 10,883
MICROSOFT CORP COM 594918104   1,509,251 5,235 SH   SOLE   0 0 5,235
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,083,836 15,974 SH   SOLE   0 0 15,974
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   616,262 6,154 SH   SOLE   0 0 6,154
AMAZON COM INC COM 023135106   598,566 5,795 SH   SOLE   0 0 5,795
ISHARES TR CORE S&P MCP ETF 464287507   533,091 2,131 SH   SOLE   0 0 2,131
NVIDIA CORPORATION COM 67066G104   494,431 1,780 SH   SOLE   0 0 1,780
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   494,341 1,601 SH   SOLE   0 0 1,601
SPDR SER TR S&P 600 SMCP VAL 78464A300   490,524 6,439 SH   SOLE   0 0 6,439
SPDR SER TR S&P 600 SMCP GRW 78464A201   453,858 6,154 SH   SOLE   0 0 6,154
ALPHABET INC CAP STK CL A 02079K305   442,098 4,262 SH   SOLE   0 0 4,262
META PLATFORMS INC CL A 30303M102   395,692 1,867 SH   SOLE   0 0 1,867
EXXON MOBIL CORP COM 30231G102   391,048 3,566 SH   SOLE   0 0 3,566
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   388,895 8,040 SH   SOLE   0 0 8,040
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   387,466 6,161 SH   SOLE   0 0 6,161
ALPHABET INC CAP STK CL C 02079K107   355,784 3,421 SH   SOLE   0 0 3,421
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   343,795 14,021 SH   SOLE   0 0 14,021
JPMORGAN CHASE & CO COM 46625H100   341,413 2,620 SH   SOLE   0 0 2,620
VANGUARD INDEX FDS GROWTH ETF 922908736   335,248 1,344 SH   SOLE   0 0 1,344
VANGUARD INDEX FDS VALUE ETF 922908744   323,316 2,341 SH   SOLE   0 0 2,341
UNITEDHEALTH GROUP INC COM 91324P102   318,054 673 SH   SOLE   0 0 673
TESLA INC COM 88160R101   307,664 1,483 SH   SOLE   0 0 1,483
VISA INC COM CL A 92826C839   293,549 1,302 SH   SOLE   0 0 1,302
MERCK & CO INC COM 58933Y105   278,849 2,621 SH   SOLE   0 0 2,621
MASTERCARD INCORPORATED CL A 57636Q104   266,380 733 SH   SOLE   0 0 733
ABBVIE INC COM 00287Y109   265,670 1,667 SH   SOLE   0 0 1,667
PROCTER AND GAMBLE CO COM 742718109   265,263 1,784 SH   SOLE   0 0 1,784
PEPSICO INC COM 713448108   255,403 1,401 SH   SOLE   0 0 1,401
JOHNSON & JOHNSON COM 478160104   254,820 1,644 SH   SOLE   0 0 1,644
LILLY ELI & CO COM 532457108   250,010 728 SH   SOLE   0 0 728
WALMART INC COM 931142103   234,151 1,588 SH   SOLE   0 0 1,588
CHEVRON CORP NEW COM 166764100   220,756 1,353 SH   SOLE   0 0 1,353
ISHARES TR CORE S&P SCP ETF 464287804   206,358 2,134 SH   SOLE   0 0 2,134
CISCO SYS INC COM 17275R102   206,121 3,943 SH   SOLE   0 0 3,943