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
Estimated average burden
hours per response: 23.8
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
ISHARES GOLD TR ISHARES NEW 464285204   389,391 9,269 SH   SOLE   9,269 0 0
MANAGED PORTFOLIO SERIES TORTOISE NRAM PI 56167N720   3,513,675 125,668 SH   SOLE   125,668 0 0
SPDR GOLD TR GOLD SHS 78463V107   515,329 2,505 SH   SOLE   2,505 0 0
AMERICAN BEACON SELECT FUNDS AHL TREND ETF 02368W309   1,836,631 75,598 SH   SOLE   75,598 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   223,897 2,589 SH   SOLE   2,589 0 0
ISHARES TR NATIONAL MUN ETF 464288414   9,278,133 86,228 SH   SOLE   86,228 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   2,342,195 40,334 SH   SOLE   40,334 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   5,834,519 121,023 SH   SOLE   121,023 0 0
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   8,401,022 165,570 SH   SOLE   165,570 0 0
ISHARES TR CORE 1 5 YR USD 46432F859   717,340 15,121 SH   SOLE   15,121 0 0
ISHARES TR CORE US AGGBD ET 464287226   49,487,909 505,288 SH   SOLE   505,288 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   4,842,506 46,238 SH   SOLE   46,238 0 0
ISHARES TR 20 YR TR BD ETF 464287432   662,340 7,000 SH   SOLE   7,000 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   407,808 5,319 SH   SOLE   5,319 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   407,464 4,098 SH   SOLE   4,098 0 0
ISHARES TR ESG AWR US AGRGT 46435U549   544,955 11,580 SH   SOLE   11,580 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   11,847,333 163,119 SH   SOLE   163,119 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   1,394,154 23,534 SH   SOLE   23,534 0 0
NVIDIA CORPORATION COM 67066G104   688,516 762 SH   SOLE   762 0 0
ISHARES TR CORE MSCI EAFE 46432F842   27,305,363 367,898 SH   SOLE   367,898 0 0
HOME DEPOT INC COM 437076102   1,839,041 4,794 SH   SOLE   4,794 0 0
MERCK & CO INC COM 58933Y105   287,783 2,181 SH   SOLE   2,181 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   13,195,912 263,024 SH   SOLE   263,024 0 0
EXXON MOBIL CORP COM 30231G102   271,622 2,337 SH   SOLE   2,337 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   252,367 1,382 SH   SOLE   1,382 0 0
ISHARES TR S&P MC 400GR ETF 464287606   362,027 3,967 SH   SOLE   3,967 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   5,015,026 23,847 SH   SOLE   23,847 0 0
CONOCOPHILLIPS COM 20825C104   241,531 1,898 SH   SOLE   1,898 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   7,407,934 41,360 SH   SOLE   41,360 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   7,604,695 14,539 SH   SOLE   14,539 0 0
MICROSOFT CORP COM 594918104   1,489,349 3,540 SH   SOLE   3,540 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   6,546,379 19,423 SH   SOLE   19,423 0 0
AMERICAN CENTY ETF TR US EQT ETF 025072885   274,407 3,066 SH   SOLE   3,066 0 0
ISHARES INC CORE MSCI EMKT 46434G103   10,489,545 203,286 SH   SOLE   203,286 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   225,150 750 SH   SOLE   750 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,444,260 23,657 SH   SOLE   23,657 0 0
ISHARES TR MSCI ACWI EX US 464288240   5,174,559 96,920 SH   SOLE   96,920 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   232,178 483 SH   SOLE   483 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   266,193 667 SH   SOLE   667 0 0
UNION PAC CORP COM 907818108   319,217 1,298 SH   SOLE   1,298 0 0
JPMORGAN CHASE & CO COM 46625H100   367,894 1,837 SH   SOLE   1,837 0 0
JOHNSON & JOHNSON COM 478160104   962,542 6,085 SH   SOLE   6,085 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   246,520 424 SH   SOLE   424 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   8,603,013 34,431 SH   SOLE   34,431 0 0
CHEVRON CORP NEW COM 166764100   239,596 1,519 SH   SOLE   1,519 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   866,205 3,202 SH   SOLE   3,202 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   2,539,595 42,116 SH   SOLE   42,116 0 0
ISHARES TR CORE S&P500 ETF 464287200   638,236 1,214 SH   SOLE   1,214 0 0
ISHARES TR RUS MID CAP ETF 464287499   3,586,984 42,656 SH   SOLE   42,656 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   8,401,391 201,135 SH   SOLE   201,135 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   8,721,080 38,152 SH   SOLE   38,152 0 0
ISHARES TR MSCI KLD400 SOC 464288570   217,750 2,160 SH   SOLE   2,160 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,053,119 17,956 SH   SOLE   17,956 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   17,456,868 107,189 SH   SOLE   107,189 0 0
ISHARES TR RUS MDCP VAL ETF 464287473   578,649 4,617 SH   SOLE   4,617 0 0
SPDR SER TR S&P DIVID ETF 78464A763   374,165 2,851 SH   SOLE   2,851 0 0
AMAZON COM INC COM 023135106   664,520 3,684 SH   SOLE   3,684 0 0
PROCTER AND GAMBLE CO COM 742718109   565,357 3,484 SH   SOLE   3,484 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   4,501,667 10,705 SH   SOLE   10,705 0 0
LOCKHEED MARTIN CORP COM 539830109   244,265 537 SH   SOLE   537 0 0
APPLE INC COM 037833100   2,301,971 13,424 SH   SOLE   13,424 0 0
ABBVIE INC COM 00287Y109   239,451 1,315 SH   SOLE   1,315 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   522,163 2,507 SH   SOLE   2,507 0 0
ALPHABET INC CAP STK CL C 02079K107   536,412 3,523 SH   SOLE   3,523 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   46,892,347 180,425 SH   SOLE   180,425 0 0
VISA INC COM CL A 92826C839   399,922 1,433 SH   SOLE   1,433 0 0
COSTCO WHSL CORP NEW COM 22160K105   750,369 1,024 SH   SOLE   1,024 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   9,535,460 27,703 SH   SOLE   27,703 0 0
META PLATFORMS INC CL A 30303M102   453,532 934 SH   SOLE   934 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   375,382 2,541 SH   SOLE   2,541 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   765,000 1,500 SH Call SOLE   1,500 0 0
MARSH & MCLENNAN COS INC COM 571748102   432,558 2,100 SH   SOLE   2,100 0 0
MCDONALDS CORP COM 580135101   248,398 881 SH   SOLE   881 0 0
COCA COLA CO COM 191216100   1,303,176 21,301 SH   SOLE   21,301 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   230,849 1,908 SH   SOLE   1,908 0 0
ISHARES TR MSCI EAFE ETF 464287465   4,297,426 53,812 SH   SOLE   53,812 0 0
ALPHABET INC CAP STK CL A 02079K305   497,767 3,298 SH   SOLE   3,298 0 0