<SEC-DOCUMENT>0001951757-25-000132.txt : 20250127
<SEC-HEADER>0001951757-25-000132.hdr.sgml : 20250127
<ACCEPTANCE-DATETIME>20250127094744
ACCESSION NUMBER:		0001951757-25-000132
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20241231
FILED AS OF DATE:		20250127
DATE AS OF CHANGE:		20250127
EFFECTIVENESS DATE:		20250127

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:		25556047

	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>12-31-2024</periodOfReport>
    </filerInfo>
  </headerData>
  <formData>
    <coverPage>
      <reportCalendarOrQuarter>12-31-2024</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>01-27-2025</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>0</otherIncludedManagersCount>
      <tableEntryTotal>48</tableEntryTotal>
      <tableValueTotal>171797759</tableValueTotal>
      <isConfidentialOmitted>false</isConfidentialOmitted>
    </summaryPage>
  </formData>
</edgarSubmission>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
<FILENAME>F_13F_Beacon_Q42024.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>273321</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>1435</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>1435</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>269630</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>1311968</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>5239</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>5239</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>20330515</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>44852</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>44852</ns1:None>
                </ns1:votingAuthority>
            </ns1:infoTable>

            <ns1:infoTable>
                <ns1:nameOfIssuer>BLACKROCK ETF TRUST</ns1:nameOfIssuer>
                <ns1:titleOfClass>ISHARES US EQUIT</ns1:titleOfClass>
                <ns1:cusip>09290C103</ns1:cusip>
                <ns1:value>962141</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>18773</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>18773</ns1:None>
                </ns1:votingAuthority>
            </ns1:infoTable>

            <ns1:infoTable>
                <ns1:nameOfIssuer>BLACKROCK ETF TRUST II</ns1:nameOfIssuer>
                <ns1:titleOfClass>ISHARES FLEXIBLE</ns1:titleOfClass>
                <ns1:cusip>092528603</ns1:cusip>
                <ns1:value>808419</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>15541</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>15541</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>267359</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>1066886</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>11211863</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>241635</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>241635</ns1:None>
                </ns1:votingAuthority>
            </ns1:infoTable>

            <ns1:infoTable>
                <ns1:nameOfIssuer>INVESCO EXCH TRADED FD TR II</ns1:nameOfIssuer>
                <ns1:titleOfClass>S&amp;P SMLCAP QTY</ns1:titleOfClass>
                <ns1:cusip>46138G300</ns1:cusip>
                <ns1:value>3744962</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>88429</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>88429</ns1:None>
                </ns1:votingAuthority>
            </ns1:infoTable>

            <ns1:infoTable>
                <ns1:nameOfIssuer>INVESCO EXCHANGE TRADED FD T</ns1:nameOfIssuer>
                <ns1:titleOfClass>S&amp;P 500 GARP ETF</ns1:titleOfClass>
                <ns1:cusip>46137V431</ns1:cusip>
                <ns1:value>2647054</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>25239</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>25239</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>21243476</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>41554</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>41554</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>3824438</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>21476</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>21476</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>3056610</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>46214</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>46214</ns1:None>
                </ns1:votingAuthority>
            </ns1:infoTable>

            <ns1:infoTable>
                <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer>
                <ns1:titleOfClass>CORE S&amp;P500 ETF</ns1:titleOfClass>
                <ns1:cusip>464287200</ns1:cusip>
                <ns1:value>31150145</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>52915</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>52915</ns1:None>
                </ns1:votingAuthority>
            </ns1:infoTable>

            <ns1:infoTable>
                <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer>
                <ns1:titleOfClass>CORE S&amp;P MCP ETF</ns1:titleOfClass>
                <ns1:cusip>464287507</ns1:cusip>
                <ns1:value>13648233</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>219038</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>219038</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>2573991</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>11945</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>11945</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>1311069</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>6336</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>6336</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>215634</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>8102</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>8102</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>1017198</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>43619</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>43619</ns1:None>
                </ns1:votingAuthority>
            </ns1:infoTable>

            <ns1:infoTable>
                <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer>
                <ns1:titleOfClass>CORE DIV GRWTH</ns1:titleOfClass>
                <ns1:cusip>46434V621</ns1:cusip>
                <ns1:value>311907</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>5085</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>5085</ns1:None>
                </ns1:votingAuthority>
            </ns1:infoTable>

            <ns1:infoTable>
                <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer>
                <ns1:titleOfClass>HIGH YLD SYSTM B</ns1:titleOfClass>
                <ns1:cusip>46435G250</ns1:cusip>
                <ns1:value>572095</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>12170</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>12170</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>352083</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>14055</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>14055</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>413135</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>4267</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>4267</ns1:None>
                </ns1:votingAuthority>
            </ns1:infoTable>

            <ns1:infoTable>
                <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer>
                <ns1:titleOfClass>S&amp;P 500 VAL ETF</ns1:titleOfClass>
                <ns1:cusip>464287408</ns1:cusip>
                <ns1:value>273612</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>1433</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>1433</ns1:None>
                </ns1:votingAuthority>
            </ns1:infoTable>

            <ns1:infoTable>
                <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer>
                <ns1:titleOfClass>IBONDS 26 TRM TS</ns1:titleOfClass>
                <ns1:cusip>46436E858</ns1:cusip>
                <ns1:value>362175</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>15878</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>15878</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>419051</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>5504</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>5504</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>848838</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>15056</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>15056</ns1:None>
                </ns1:votingAuthority>
            </ns1:infoTable>

            <ns1:infoTable>
                <ns1:nameOfIssuer>JOHNSON &amp; JOHNSON</ns1:nameOfIssuer>
                <ns1:titleOfClass>COM</ns1:titleOfClass>
                <ns1:cusip>478160104</ns1:cusip>
                <ns1:value>811313</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>5610</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>5610</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>514096</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>1220</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>1220</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>1749465</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>13028</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>13028</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>1394063</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>15418</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>15418</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>907341</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>35005</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>35005</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>10922651</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>328896</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>328896</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>4962140</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>181630</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>181630</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>928788</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>39222</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>39222</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>7050643</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>17459</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>17459</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>977786</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>5299</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>5299</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>6019494</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>25052</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>25052</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>1010986</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>3984</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>3984</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>355773</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>867</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>867</ns1:None>
                </ns1:votingAuthority>
            </ns1:infoTable>

            <ns1:infoTable>
                <ns1:nameOfIssuer>VANGUARD INDEX FDS</ns1:nameOfIssuer>
                <ns1:titleOfClass>S&amp;P 500 ETF SHS</ns1:titleOfClass>
                <ns1:cusip>922908363</ns1:cusip>
                <ns1:value>597899</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>1110</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>1110</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>521394</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>2662</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>2662</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>262626</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>4457</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>4457</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>2689443</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>19089</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>19089</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>1073879</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>13425</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>13425</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>1269113</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>12099</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>12099</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>3291058</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>26113</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>26113</ns1:None>
                </ns1:votingAuthority>
            </ns1:infoTable>
        </ns1:informationTable>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>