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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   1,302,580 9,954 SH   SOLE   0 0 9,954
AMAZON COM INC COM 023135106   1,344,040 10,573 SH   SOLE   0 0 10,573
APPLE INC COM 037833100   1,700,115 9,930 SH   SOLE   0 0 9,930
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   31,629,548 1,207,235 SH   SOLE   0 0 1,207,235
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   367,594 8,045 SH   SOLE   0 0 8,045
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   9,973,890 442,890 SH   SOLE   0 0 442,890
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865   2,465,103 65,008 SH   SOLE   0 0 65,008
ISHARES INC CORE MSCI EMKT 46434G103   822,534 17,284 SH   SOLE   0 0 17,284
ISHARES TR NEW YORK MUN ETF 464288323   1,029,914 20,183 SH   SOLE   0 0 20,183
ISHARES TR CORE MSCI EAFE 46432F842   29,229,303 454,224 SH   SOLE   0 0 454,224
ISHARES TR IBONDS DEC23 ETF 46434VAX8   1,151,051 45,388 SH   SOLE   0 0 45,388
ISHARES TR IBONDS DEC24 ETF 46434VBG4   245,431 9,924 SH   SOLE   0 0 9,924
ISHARES TR IBONDS 24 TRM TS 46436E874   237,133 9,947 SH   SOLE   0 0 9,947
ISHARES TR IBONDS 23 TRM TS 46436E882   1,150,922 46,371 SH   SOLE   0 0 46,371
META PLATFORMS INC CL A 30303M102   602,822 2,008 SH   SOLE   0 0 2,008
MICROSOFT CORP COM 594918104   1,457,818 4,617 SH   SOLE   0 0 4,617
NVIDIA CORPORATION COM 67066G104   255,774 588 SH   SOLE   0 0 588
PNC FINL SVCS GROUP INC COM 693475105   276,724 2,254 SH   SOLE   0 0 2,254
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   291,091 4,172 SH   SOLE   0 0 4,172
VANGUARD INDEX FDS TOTAL STK MKT 922908769   295,899 1,393 SH   SOLE   0 0 1,393
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   348,637 2,432 SH   SOLE   0 0 2,432
VANGUARD INDEX FDS VALUE ETF 922908744   16,903,687 122,553 SH   SOLE   0 0 122,553
VANGUARD INDEX FDS MID CAP ETF 922908629   26,084,623 125,262 SH   SOLE   0 0 125,262
VANGUARD INDEX FDS SM CP VAL ETF 922908611   799,561 5,013 SH   SOLE   0 0 5,013
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   61,754,086 157,255 SH   SOLE   0 0 157,255
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   832,359 21,228 SH   SOLE   0 0 21,228
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   637,581 14,583 SH   SOLE   0 0 14,583
VANGUARD WORLD FDS UTILITIES ETF 92204A876   502,085 3,937 SH   SOLE   0 0 3,937