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
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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
VANGUARD INDEX FDS GROWTH ETF 922908736   17,219,293 50,027 SH   SOLE   50,027 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   10,360,704 204,757 SH   SOLE   204,757 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   16,615,781 102,025 SH   SOLE   102,025 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,074,732 53,171 SH   SOLE   53,171 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   15,785,728 343,168 SH   SOLE   343,168 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,822,412 19,655 SH   SOLE   19,655 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,380,827 152,761 SH   SOLE   152,761 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   4,509,012 19,123 SH   SOLE   19,123 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   4,680,730 30,022 SH   SOLE   30,022 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   4,548,445 17,446 SH   SOLE   17,446 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,940,755 25,749 SH   SOLE   25,749 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   10,114,349 205,618 SH   SOLE   205,618 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   23,265,836 463,740 SH   SOLE   463,740 0 0
ISHARES TR CORE INTL AGGR 46435G672   322,327 6,453 SH   SOLE   6,453 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,525,521 21,004 SH   SOLE   21,004 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   5,837,100 96,801 SH   SOLE   96,801 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   5,766,141 22,186 SH   SOLE   22,186 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   325,883 4,002 SH   SOLE   4,002 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   257,358 612 SH   SOLE   612 0 0
ISHARES TR CORE S&P500 ETF 464287200   687,129 1,307 SH   SOLE   1,307 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   337,883 4,447 SH   SOLE   4,447 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   281,237 3,488 SH   SOLE   3,488 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   469,069 18,577 SH   SOLE   18,577 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   210,300 1,000 SH   SOLE   1,000 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669   246,246 3,232 SH   SOLE   3,232 0 0
ISHARES TR NATIONAL MUN ETF 464288414   351,529 3,267 SH   SOLE   3,267 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,102,948 6,040 SH   SOLE   6,040 0 0
META PLATFORMS INC CL A 30303M102   247,646 510 SH   SOLE   510 0 0
EXXON MOBIL CORP COM 30231G102   300,015 2,581 SH   SOLE   2,581 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,188,201 19,146 SH   SOLE   19,146 0 0