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
ALPHABET INC CAP STK CL A 02079K305 1,269 13,269 SH   SOLE   0 0 13,269
AMAZON COM INC COM 023135106 1,238 10,957 SH   SOLE   0 0 10,957
APPLE INC COM 037833100 1,682 12,174 SH   SOLE   0 0 12,174
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 15,796 710,232 SH   SOLE   0 0 710,232
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 309 7,924 SH   SOLE   0 0 7,924
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 7,123 377,104 SH   SOLE   0 0 377,104
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 1,693 40,094 SH   SOLE   0 0 40,094
ISHARES INC CORE MSCI EMKT 46434G103 731 17,009 SH   SOLE   0 0 17,009
ISHARES TR NATIONAL MUN ETF 464288414 4,106 40,023 SH   SOLE   0 0 40,023
ISHARES TR NEW YORK MUN ETF 464288323 895 17,683 SH   SOLE   0 0 17,683
ISHARES TR SHRT NAT MUN ETF 464288158 2,358 22,965 SH   SOLE   0 0 22,965
ISHARES TR CORE MSCI EAFE 46432F842 18,087 343,409 SH   SOLE   0 0 343,409
META PLATFORMS INC CL A 30303M102 252 1,856 SH   SOLE   0 0 1,856
MICROSOFT CORP COM 594918104 868 3,726 SH   SOLE   0 0 3,726
VANGUARD INDEX FDS TOTAL STK MKT 922908769 388 2,162 SH   SOLE   0 0 2,162
VANGUARD INDEX FDS VALUE ETF 922908744 2,835 22,960 SH   SOLE   0 0 22,960
VANGUARD INDEX FDS MID CAP ETF 922908629 8,908 47,387 SH   SOLE   0 0 47,387
VANGUARD INDEX FDS SM CP VAL ETF 922908611 690 4,813 SH   SOLE   0 0 4,813
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 15,553 47,374 SH   SOLE   0 0 47,374
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 704 19,284 SH   SOLE   0 0 19,284
VANGUARD STAR FDS VG TL INTL STK F 921909768 230 5,029 SH   SOLE   0 0 5,029
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,405 66,154 SH   SOLE   0 0 66,154
VANGUARD WORLD FDS UTILITIES ETF 92204A876 561 3,940 SH   SOLE   0 0 3,940