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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305   1,000,453 8,358 SH   SOLE   0 0 8,358
AMAZON COM INC COM 023135106   1,236,074 9,482 SH   SOLE   0 0 9,482
APPLE INC COM 037833100   1,531,781 7,897 SH   SOLE   0 0 7,897
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   29,285,597 1,078,659 SH   SOLE   0 0 1,078,659
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   371,795 8,015 SH   SOLE   0 0 8,015
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   10,091,728 432,936 SH   SOLE   0 0 432,936
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865   2,218,610 52,474 SH   SOLE   0 0 52,474
ISHARES INC CORE MSCI EMKT 46434G103   851,917 17,284 SH   SOLE   0 0 17,284
ISHARES TR NEW YORK MUN ETF 464288323   1,069,051 20,072 SH   SOLE   0 0 20,072
ISHARES TR CORE MSCI EAFE 46432F842   28,632,548 424,186 SH   SOLE   0 0 424,186
ISHARES TR IBONDS DEC23 ETF 46434VAX8   1,135,810 44,911 SH   SOLE   0 0 44,911
ISHARES TR IBONDS DEC24 ETF 46434VBG4   217,940 8,852 SH   SOLE   0 0 8,852
ISHARES TR IBONDS 24 TRM TS 46436E874   217,663 9,146 SH   SOLE   0 0 9,146
ISHARES TR IBONDS 23 TRM TS 46436E882   1,136,503 45,808 SH   SOLE   0 0 45,808
META PLATFORMS INC CL A 30303M102   483,274 1,684 SH   SOLE   0 0 1,684
MICROSOFT CORP COM 594918104   1,230,371 3,613 SH   SOLE   0 0 3,613
VANGUARD INDEX FDS TOTAL STK MKT 922908769   373,394 1,695 SH   SOLE   0 0 1,695
VANGUARD INDEX FDS VALUE ETF 922908744   8,178,518 57,555 SH   SOLE   0 0 57,555
VANGUARD INDEX FDS MID CAP ETF 922908629   12,502,558 56,789 SH   SOLE   0 0 56,789
VANGUARD INDEX FDS SM CP VAL ETF 922908611   828,072 5,006 SH   SOLE   0 0 5,006
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   24,255,755 59,555 SH   SOLE   0 0 59,555
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   836,491 20,563 SH   SOLE   0 0 20,563
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   672,527 14,563 SH   SOLE   0 0 14,563
VANGUARD WORLD FDS UTILITIES ETF 92204A876   559,195 3,933 SH   SOLE   0 0 3,933