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
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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 C 02079K107 385 133 SH   SOLE   0 0 133
ALPHABET INC CAP STK CL A 02079K305 382 132 SH   SOLE   0 0 132
AMAZON COM INC COM 023135106 604 181 SH   SOLE   0 0 181
APPLE INC COM 037833100 1,255 7,068 SH   SOLE   0 0 7,068
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 259 865 SH   SOLE   0 0 865
HOME DEPOT INC COM 437076102 242 583 SH   SOLE   0 0 583
INVESCO ACTIVLY MANGD ETC FD OPTIMUM YIELD 46090F100 3,100 220,500 SH   SOLE   0 0 220,500
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 925 41,839 SH   SOLE   0 0 41,839
INVESCO EXCHANGE TRADED FD T GBL LISTED PVT 46137V589 3,824 247,368 SH   SOLE   0 0 247,368
ISHARES INC MSCI EMRG CHN 46434G764 278 4,577 SH   SOLE   0 0 4,577
ISHARES INC CORE MSCI EMKT 46434G103 1,146 19,147 SH   SOLE   0 0 19,147
ISHARES TR CORE INTL AGGR 46435G672 747 13,707 SH   SOLE   0 0 13,707
ISHARES TR CORE MSCI EAFE 46432F842 674 9,029 SH   SOLE   0 0 9,029
ISHARES TR PFD AND INCM SEC 464288687 962 24,407 SH   SOLE   0 0 24,407
ISHARES TR CORE US AGGBD ET 464287226 1,704 14,937 SH   SOLE   0 0 14,937
ISHARES TR CORE S&P TTL STK 464287150 12,346 115,408 SH   SOLE   0 0 115,408
ISHARES TR NATIONAL MUN ETF 464288414 5,046 43,392 SH   SOLE   0 0 43,392
ISHARES TR JPMORGAN USD EMG 464288281 1,365 12,517 SH   SOLE   0 0 12,517
ISHARES TR SHRT NAT MUN ETF 464288158 553 5,153 SH   SOLE   0 0 5,153
ISHARES TR CORE S&P MCP ETF 464287507 701 2,476 SH   SOLE   0 0 2,476
ISHARES TR CORE S&P SCP ETF 464287804 202 1,767 SH   SOLE   0 0 1,767
ISHARES TR CORE S&P500 ETF 464287200 11,100 23,271 SH   SOLE   0 0 23,271
ISHARES TR RUS 2000 VAL ETF 464287630 729 4,391 SH   SOLE   0 0 4,391
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 1,413 28,286 SH   SOLE   0 0 28,286
JOHNSON & JOHNSON COM 478160104 207 1,211 SH   SOLE   0 0 1,211
META PLATFORMS INC CL A 30303M102 374 1,111 SH   SOLE   0 0 1,111
MICROSOFT CORP COM 594918104 1,409 4,190 SH   SOLE   0 0 4,190
NVIDIA CORPORATION COM 67066G104 286 974 SH   SOLE   0 0 974
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 705 6,242 SH   SOLE   0 0 6,242
SCHWAB STRATEGIC TR US REIT ETF 808524847 353 6,700 SH   SOLE   0 0 6,700
SCHWAB STRATEGIC TR US TIPS ETF 808524870 945 15,021 SH   SOLE   0 0 15,021
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 1,208 33,106 SH   SOLE   0 0 33,106
SPDR SER TR BLOOMBERG HIGH Y 78468R622 842 7,756 SH   SOLE   0 0 7,756
SPDR SER TR BLOOMBERG INVT 78468R200 939 30,702 SH   SOLE   0 0 30,702
SPDR SER TR BLOOMBERG CONV 78464A359 958 11,552 SH   SOLE   0 0 11,552
TESLA INC COM 88160R101 356 337 SH   SOLE   0 0 337
UNITEDHEALTH GROUP INC COM 91324P102 214 426 SH   SOLE   0 0 426
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 10,654 125,710 SH   SOLE   0 0 125,710
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,267 15,678 SH   SOLE   0 0 15,678
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 4,622 83,795 SH   SOLE   0 0 83,795
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,409 6,374 SH   SOLE   0 0 6,374
VANGUARD INDEX FDS MID CAP ETF 922908629 659 2,586 SH   SOLE   0 0 2,586
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,015 34,613 SH   SOLE   0 0 34,613
VANGUARD INDEX FDS SMALL CP ETF 922908751 308 1,363 SH   SOLE   0 0 1,363
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 3,175 23,705 SH   SOLE   0 0 23,705
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 1,436 26,624 SH   SOLE   0 0 26,624
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,265 66,021 SH   SOLE   0 0 66,021
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 12,426 243,352 SH   SOLE   0 0 243,352