<SEC-DOCUMENT>0001951757-24-001110.txt : 20241024 <SEC-HEADER>0001951757-24-001110.hdr.sgml : 20241024 <ACCEPTANCE-DATETIME>20241024084610 ACCESSION NUMBER: 0001951757-24-001110 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20240930 FILED AS OF DATE: 20241024 DATE AS OF CHANGE: 20241024 EFFECTIVENESS DATE: 20241024 FILER: COMPANY DATA: COMPANY CONFORMED NAME: BEACON FINANCIAL PLANNING, INC CENTRAL INDEX KEY: 0001966066 ORGANIZATION NAME: IRS NUMBER: 473289125 STATE OF INCORPORATION: MA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-23117 FILM NUMBER: 241390841 BUSINESS ADDRESS: STREET 1: 72 PINE STREET CITY: HYANNIS STATE: MA ZIP: 02601 BUSINESS PHONE: 508-790-7039 MAIL ADDRESS: STREET 1: 72 PINE STREET CITY: HYANNIS STATE: MA ZIP: 02601 </SEC-HEADER> <DOCUMENT> <TYPE>13F-HR <SEQUENCE>1 <FILENAME>primary_doc.xml <TEXT> <XML> <?xml version="1.0" encoding="UTF-8"?> <edgarSubmission xmlns="http://www.sec.gov/edgar/thirteenffiler" xmlns:com="http://www.sec.gov/edgar/common"> <schemaVersion>X0202</schemaVersion> <headerData> <submissionType>13F-HR</submissionType> <filerInfo> <liveTestFlag>LIVE</liveTestFlag> <flags> <confirmingCopyFlag>false</confirmingCopyFlag> <returnCopyFlag>false</returnCopyFlag> <overrideInternetFlag>false</overrideInternetFlag> </flags> <filer> <credentials> <cik>0001966066</cik> <ccc>XXXXXXXX</ccc> </credentials> </filer> <periodOfReport>09-30-2024</periodOfReport> </filerInfo> </headerData> <formData> <coverPage> <reportCalendarOrQuarter>09-30-2024</reportCalendarOrQuarter> <filingManager> <name>BEACON FINANCIAL PLANNING, INC</name> <address> <com:street1>72 PINE STREET</com:street1> <com:city>HYANNIS</com:city> <com:stateOrCountry>MA</com:stateOrCountry> <com:zipCode>02601</com:zipCode> </address> </filingManager> <reportType>13F HOLDINGS REPORT</reportType> <form13FFileNumber>028-23117</form13FFileNumber> <provideInfoForInstruction5>N</provideInfoForInstruction5> </coverPage> <signatureBlock> <name>Michaela Herlihy</name> <title>Chief Compliance Officer</title> <phone>(508) 790-7039</phone> <signature>Michaela Herlihy</signature> <city>Hyannis</city> <stateOrCountry>MA</stateOrCountry> <signatureDate>10-24-2024</signatureDate> </signatureBlock> <summaryPage> <otherIncludedManagersCount>0</otherIncludedManagersCount> <tableEntryTotal>44</tableEntryTotal> <tableValueTotal>162016514</tableValueTotal> <isConfidentialOmitted>false</isConfidentialOmitted> </summaryPage> </formData> </edgarSubmission> </XML> </TEXT> </DOCUMENT> <DOCUMENT> <TYPE>INFORMATION TABLE <SEQUENCE>2 <FILENAME>F_13F_Beacon_Q32024.xml <TEXT> <XML> <?xml version="1.0" encoding="UTF-8" standalone="yes"?> <ns1:informationTable xmlns:ns1="http://www.sec.gov/edgar/document/thirteenf/informationtable"> <ns1:infoTable> <ns1:nameOfIssuer>ALPHABET INC</ns1:nameOfIssuer> <ns1:titleOfClass>CAP STK CL C</ns1:titleOfClass> <ns1:cusip>02079K107</ns1:cusip> <ns1:value>239736</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>1434</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>1434</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>AMAZON COM INC</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>023135106</ns1:cusip> <ns1:value>229000</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>1229</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>1229</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>APPLE INC</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>037833100</ns1:cusip> <ns1:value>1220004</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>5236</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>5236</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</ns1:nameOfIssuer> <ns1:titleOfClass>CL B NEW</ns1:titleOfClass> <ns1:cusip>084670702</ns1:cusip> <ns1:value>20834129</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>45266</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>45266</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ECOLAB INC</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>278865100</ns1:cusip> <ns1:value>291332</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>1141</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>1141</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>INTUITIVE SURGICAL INC</ns1:nameOfIssuer> <ns1:titleOfClass>COM NEW</ns1:titleOfClass> <ns1:cusip>46120E602</ns1:cusip> <ns1:value>1004156</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>2044</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>2044</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>INVESCO ACTIVELY MANAGED EXC</ns1:nameOfIssuer> <ns1:titleOfClass>TOTAL RETURN</ns1:titleOfClass> <ns1:cusip>46090A804</ns1:cusip> <ns1:value>12402560</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>256782</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>256782</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>INVESCO EXCH TRADED FD TR II</ns1:nameOfIssuer> <ns1:titleOfClass>S&P SMLCAP QTY</ns1:titleOfClass> <ns1:cusip>46138G300</ns1:cusip> <ns1:value>2681289</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>61938</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>61938</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>INVESCO EXCHANGE TRADED FD T</ns1:nameOfIssuer> <ns1:titleOfClass>S&P 500 GARP ETF</ns1:titleOfClass> <ns1:cusip>46137V431</ns1:cusip> <ns1:value>2654546</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>25361</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>25361</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>INVESCO QQQ TR</ns1:nameOfIssuer> <ns1:titleOfClass>UNIT SER 1</ns1:titleOfClass> <ns1:cusip>46090E103</ns1:cusip> <ns1:value>20552493</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>42110</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>42110</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer> <ns1:titleOfClass>MSCI USA QLT FCT</ns1:titleOfClass> <ns1:cusip>46432F339</ns1:cusip> <ns1:value>2729797</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>15225</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>15225</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer> <ns1:titleOfClass>CORE MSCI TOTAL</ns1:titleOfClass> <ns1:cusip>46432F834</ns1:cusip> <ns1:value>3390149</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>46677</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>46677</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer> <ns1:titleOfClass>CORE S&P500 ETF</ns1:titleOfClass> <ns1:cusip>464287200</ns1:cusip> <ns1:value>31036806</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>53807</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>53807</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer> <ns1:titleOfClass>CORE S&P MCP ETF</ns1:titleOfClass> <ns1:cusip>464287507</ns1:cusip> <ns1:value>13657711</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>219155</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>219155</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer> <ns1:titleOfClass>ISHARES SEMICDTR</ns1:titleOfClass> <ns1:cusip>464287523</ns1:cusip> <ns1:value>2627660</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>11395</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>11395</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer> <ns1:titleOfClass>IBONDS DEC 25</ns1:titleOfClass> <ns1:cusip>46435U432</ns1:cusip> <ns1:value>202872</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>7610</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>7610</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer> <ns1:titleOfClass>IBONDS 24 TRM TS</ns1:titleOfClass> <ns1:cusip>46436E874</ns1:cusip> <ns1:value>784863</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>32703</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>32703</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer> <ns1:titleOfClass>IBONDS 25 TRM TS</ns1:titleOfClass> <ns1:cusip>46436E866</ns1:cusip> <ns1:value>481273</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>20550</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>20550</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer> <ns1:titleOfClass>MSCI USA MMENTM</ns1:titleOfClass> <ns1:cusip>46432F396</ns1:cusip> <ns1:value>460870</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>2273</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>2273</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer> <ns1:titleOfClass>IBONDS DEC25 ETF</ns1:titleOfClass> <ns1:cusip>46434VBD1</ns1:cusip> <ns1:value>319646</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>12735</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>12735</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer> <ns1:titleOfClass>EAFE GRWTH ETF</ns1:titleOfClass> <ns1:cusip>464288885</ns1:cusip> <ns1:value>397261</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>3690</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>3690</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer> <ns1:titleOfClass>S&P 500 VAL ETF</ns1:titleOfClass> <ns1:cusip>464287408</ns1:cusip> <ns1:value>281060</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>1425</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>1425</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer> <ns1:titleOfClass>ESG AW MSCI EAFE</ns1:titleOfClass> <ns1:cusip>46435G516</ns1:cusip> <ns1:value>457153</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>5431</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>5431</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>J P MORGAN EXCHANGE TRADED F</ns1:nameOfIssuer> <ns1:titleOfClass>NASDAQ EQT PREM</ns1:titleOfClass> <ns1:cusip>46654Q203</ns1:cusip> <ns1:value>343921</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>6261</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>6261</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>JOHNSON & JOHNSON</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>478160104</ns1:cusip> <ns1:value>908515</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>5606</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>5606</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>MICROSOFT CORP</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>594918104</ns1:cusip> <ns1:value>524275</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>1218</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>1218</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>NVIDIA CORPORATION</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>67066G104</ns1:cusip> <ns1:value>1316984</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>10845</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>10845</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>PIMCO ETF TR</ns1:nameOfIssuer> <ns1:titleOfClass>ACTIVE BD ETF</ns1:titleOfClass> <ns1:cusip>72201R775</ns1:cusip> <ns1:value>2118195</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>22389</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>22389</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>PIMCO ETF TR</ns1:nameOfIssuer> <ns1:titleOfClass>MULTISECTOR BD</ns1:titleOfClass> <ns1:cusip>72201R585</ns1:cusip> <ns1:value>423444</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>15889</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>15889</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SCHWAB STRATEGIC TR</ns1:nameOfIssuer> <ns1:titleOfClass>FUNDAMENTAL INTL</ns1:titleOfClass> <ns1:cusip>808524755</ns1:cusip> <ns1:value>13078182</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>349965</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>349965</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SCHWAB STRATEGIC TR</ns1:nameOfIssuer> <ns1:titleOfClass>US DIVIDEND EQ</ns1:titleOfClass> <ns1:cusip>808524797</ns1:cusip> <ns1:value>4601532</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>54437</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>54437</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SCHWAB STRATEGIC TR</ns1:nameOfIssuer> <ns1:titleOfClass>FUNDAMENTAL US L</ns1:titleOfClass> <ns1:cusip>808524771</ns1:cusip> <ns1:value>929782</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>12957</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>12957</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>TESLA INC</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>88160R101</ns1:cusip> <ns1:value>4515211</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>17258</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>17258</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD ADMIRAL FDS INC</ns1:nameOfIssuer> <ns1:titleOfClass>500 VAL IDX FD</ns1:titleOfClass> <ns1:cusip>921932703</ns1:cusip> <ns1:value>387543</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>2032</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>2032</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD INDEX FDS</ns1:nameOfIssuer> <ns1:titleOfClass>SMALL CP ETF</ns1:titleOfClass> <ns1:cusip>922908751</ns1:cusip> <ns1:value>5221039</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>22010</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>22010</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD INDEX FDS</ns1:nameOfIssuer> <ns1:titleOfClass>MCAP GR IDXVIP</ns1:titleOfClass> <ns1:cusip>922908538</ns1:cusip> <ns1:value>968669</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>3979</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>3979</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD INDEX FDS</ns1:nameOfIssuer> <ns1:titleOfClass>GROWTH ETF</ns1:titleOfClass> <ns1:cusip>922908736</ns1:cusip> <ns1:value>337368</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>879</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>879</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD INDEX FDS</ns1:nameOfIssuer> <ns1:titleOfClass>S&P 500 ETF SHS</ns1:titleOfClass> <ns1:cusip>922908363</ns1:cusip> <ns1:value>616177</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>1168</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>1168</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD SPECIALIZED FUNDS</ns1:nameOfIssuer> <ns1:titleOfClass>DIV APP ETF</ns1:titleOfClass> <ns1:cusip>921908844</ns1:cusip> <ns1:value>536337</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>2708</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>2708</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD STAR FDS</ns1:nameOfIssuer> <ns1:titleOfClass>VG TL INTL STK F</ns1:titleOfClass> <ns1:cusip>921909768</ns1:cusip> <ns1:value>285342</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>4408</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>4408</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD WELLINGTON FD</ns1:nameOfIssuer> <ns1:titleOfClass>US QUALITY</ns1:titleOfClass> <ns1:cusip>921935706</ns1:cusip> <ns1:value>2657332</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>18598</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>18598</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD WHITEHALL FDS</ns1:nameOfIssuer> <ns1:titleOfClass>INTL DVD ETF</ns1:titleOfClass> <ns1:cusip>921946810</ns1:cusip> <ns1:value>365270</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>4138</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>4138</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD WORLD FD</ns1:nameOfIssuer> <ns1:titleOfClass>ESG US STK ETF</ns1:titleOfClass> <ns1:cusip>921910733</ns1:cusip> <ns1:value>1226603</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>12067</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>12067</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>WELLTOWER INC</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>95040Q104</ns1:cusip> <ns1:value>1718427</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>13422</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>13422</ns1:None> </ns1:votingAuthority> </ns1:infoTable> </ns1:informationTable> </XML> </TEXT> </DOCUMENT> </SEC-DOCUMENT>