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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR CORE S&P500 ETF 464287200   11,154,940 29,033 SH   SOLE   0 0 29,033
ISHARES TR CORE S&P MCP ETF 464287507   10,262,415 42,426 SH   SOLE   0 0 42,426
ISHARES TR ISHS 1-5YR INVS 464288646   8,022,525 161,030 SH   SOLE   0 0 161,030
ISHARES TR MSCI USA MIN VOL 46429B697   5,814,984 80,652 SH   SOLE   0 0 80,652
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,862,795 12,505 SH   SOLE   0 0 12,505
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   3,474,300 69,113 SH   SOLE   0 0 69,113
ISHARES TR 0-5 YR TIPS ETF 46429B747   2,698,267 27,829 SH   SOLE   0 0 27,829
ISHARES TR BLACKROCK ULTRA 46434V878   2,461,848 49,198 SH   SOLE   0 0 49,198
APPLE INC COM 037833100   2,436,001 18,749 SH   SOLE   0 0 18,749
ISHARES TR TIPS BD ETF 464287176   2,298,061 21,590 SH   SOLE   0 0 21,590
ISHARES TR CORE S&P SCP ETF 464287804   2,163,893 22,864 SH   SOLE   0 0 22,864
ISHARES GOLD TR ISHARES NEW 464285204   1,922,097 55,568 SH   SOLE   0 0 55,568
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   1,913,231 29,475 SH   SOLE   0 0 29,475
ISHARES TR CORE DIV GRWTH 46434V621   1,864,552 37,291 SH   SOLE   0 0 37,291
VANGUARD INDEX FDS VALUE ETF 922908744   1,861,443 13,261 SH   SOLE   0 0 13,261
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,745,735 37,374 SH   SOLE   0 0 37,374
ISHARES TR SP SMCP600VL ETF 464287879   1,713,412 18,765 SH   SOLE   0 0 18,765
ISHARES TR GNMA BOND ETF 46429B333   1,518,749 34,910 SH   SOLE   0 0 34,910
ISHARES INC MSCI GBL MIN VOL 464286525   1,513,820 15,932 SH   SOLE   0 0 15,932
VANGUARD INDEX FDS GROWTH ETF 922908736   1,431,526 6,717 SH   SOLE   0 0 6,717
EXXON MOBIL CORP COM 30231G102   1,376,982 12,484 SH   SOLE   0 0 12,484
ISHARES TR MSCI USA ESG SLC 464288802   1,333,247 16,196 SH   SOLE   0 0 16,196
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,311,743 18,606 SH   SOLE   0 0 18,606
VANGUARD INDEX FDS MID CAP ETF 922908629   1,294,830 6,353 SH   SOLE   0 0 6,353
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,245,762 8,204 SH   SOLE   0 0 8,204
MICROSOFT CORP COM 594918104   1,163,194 4,850 SH   SOLE   0 0 4,850
JOHNSON & JOHNSON COM 478160104   1,072,338 6,070 SH   SOLE   0 0 6,070
ISHARES TR SHORT TREAS BD 464288679   1,059,288 9,637 SH   SOLE   0 0 9,637
ISHARES TR EAFE SML CP ETF 464288273   1,028,958 18,218 SH   SOLE   0 0 18,218
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   1,020,895 41,215 SH   SOLE   0 0 41,215
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   978,612 19,774 SH   SOLE   0 0 19,774
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   925,307 23,738 SH   SOLE   0 0 23,738
HOME DEPOT INC COM 437076102   890,409 2,819 SH   SOLE   0 0 2,819
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   857,527 12,315 SH   SOLE   0 0 12,315
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   838,888 34,551 SH   SOLE   0 0 34,551
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   830,442 16,235 SH   SOLE   0 0 16,235
ISHARES TR CORE US AGGBD ET 464287226   815,353 8,407 SH   SOLE   0 0 8,407
ABBVIE INC COM 00287Y109   756,135 4,679 SH   SOLE   0 0 4,679
ISHARES INC MSCI EMERG MRKT 464286533   756,132 14,253 SH   SOLE   0 0 14,253
ISHARES TR 1 3 YR TREAS BD 464287457   685,739 8,448 SH   SOLE   0 0 8,448
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   682,353 15,526 SH   SOLE   0 0 15,526
ISHARES TR SHRT NAT MUN ETF 464288158   668,042 6,407 SH   SOLE   0 0 6,407
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   658,560 21,663 SH   SOLE   0 0 21,663
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   647,543 1,843 SH   SOLE   0 0 1,843
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   641,489 28,561 SH   SOLE   0 0 28,561
TORONTO DOMINION BK ONT COM NEW 891160509   637,379 9,842 SH   SOLE   0 0 9,842
ABBOTT LABS COM 002824100   622,241 5,668 SH   SOLE   0 0 5,668
ISHARES TR CORE MSCI EAFE 46432F842   592,682 9,615 SH   SOLE   0 0 9,615
ISHARES TR EXPND TEC SC ETF 464287549   587,207 2,097 SH   SOLE   0 0 2,097
MERCK & CO INC COM 58933Y105   576,353 5,195 SH   SOLE   0 0 5,195
ISHARES TR ESG AWRE 1 5 YR 46435G243   572,549 24,087 SH   SOLE   0 0 24,087
SPDR SER TR SPDR S&P 500 ETF 78468R796   546,300 5,852 SH   SOLE   0 0 5,852
ISHARES TR GLOB HLTHCRE ETF 464287325   534,721 6,300 SH   SOLE   0 0 6,300
MCDONALDS CORP COM 580135101   511,678 1,942 SH   SOLE   0 0 1,942
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   507,234 5,165 SH   SOLE   0 0 5,165
SPDR S&P 500 ETF TR TR UNIT 78462F103   492,555 1,288 SH   SOLE   0 0 1,288
INTERNATIONAL BUSINESS MACHS COM 459200101   484,915 3,442 SH   SOLE   0 0 3,442
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   473,402 21,181 SH   SOLE   0 0 21,181
ISHARES TR CORE S&P TTL STK 464287150   470,798 5,552 SH   SOLE   0 0 5,552
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   468,866 3,451 SH   SOLE   0 0 3,451
ROYCE MICRO-CAP TR INC COM 780915104   464,261 53,486 SH   SOLE   0 0 53,486
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   444,845 21,203 SH   SOLE   0 0 21,203
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   444,240 17,741 SH   SOLE   0 0 17,741
ISHARES TR RUS TP200 GR ETF 464289438   438,656 3,639 SH   SOLE   0 0 3,639
TJX COS INC NEW COM 872540109   424,669 5,335 SH   SOLE   0 0 5,335
ISHARES TR S&P SML 600 GWT 464287887   424,167 3,925 SH   SOLE   0 0 3,925
PROSHARES TR PET CARE ETF 74348A145   421,893 8,956 SH   SOLE   0 0 8,956
ISHARES TR S&P 500 GRWT ETF 464287309   419,049 7,163 SH   SOLE   0 0 7,163
JPMORGAN CHASE & CO COM 46625H100   405,215 3,022 SH   SOLE   0 0 3,022
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   384,982 3,094 SH   SOLE   0 0 3,094
INVESCO QQQ TR UNIT SER 1 46090E103   381,372 1,432 SH   SOLE   0 0 1,432
SELECT SECTOR SPDR TR ENERGY 81369Y506   380,166 4,346 SH   SOLE   0 0 4,346
VANGUARD INDEX FDS SML CP GRW ETF 922908595   376,579 1,878 SH   SOLE   0 0 1,878
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   372,332 15,007 SH   SOLE   0 0 15,007
ISHARES TR MSCI EAFE ETF 464287465   370,122 5,639 SH   SOLE   0 0 5,639
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   369,952 11,050 SH   SOLE   0 0 11,050
SCHWAB STRATEGIC TR US TIPS ETF 808524870   361,064 6,972 SH   SOLE   0 0 6,972
COHEN & STEERS REIT & PFD & COM 19247X100   359,393 17,635 SH   SOLE   0 0 17,635
ISHARES TR TRS FLT RT BD 46434V860   354,401 7,030 SH   SOLE   0 0 7,030
ISHARES TR GLB CNSM STP ETF 464288737   350,120 5,871 SH   SOLE   0 0 5,871
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   348,069 15,857 SH   SOLE   0 0 15,857
VERIZON COMMUNICATIONS INC COM 92343V104   340,724 8,648 SH   SOLE   0 0 8,648
AMERICAN EXPRESS CO COM 025816109   320,322 2,168 SH   SOLE   0 0 2,168
VANGUARD INDEX FDS TOTAL STK MKT 922908769   319,145 1,669 SH   SOLE   0 0 1,669
ABRDN ASIA PACIFIC INCOME FU COM 003009107   317,822 120,845 SH   SOLE   0 0 120,845
PEPSICO INC COM 713448108   307,618 1,703 SH   SOLE   0 0 1,703
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   297,538 1,655 SH   SOLE   0 0 1,655
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   297,034 3,601 SH   SOLE   0 0 3,601
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258   295,550 3,790 SH   SOLE   0 0 3,790
ISHARES TR SELECT DIVID ETF 464287168   295,540 2,451 SH   SOLE   0 0 2,451
SPDR SER TR S&P DIVID ETF 78464A763   267,421 2,137 SH   SOLE   0 0 2,137
ABRDN ETFS BBRG ALL COMD K1 003261104   262,354 11,893 SH   SOLE   0 0 11,893
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   259,534 1,919 SH   SOLE   0 0 1,919
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856   259,237 6,298 SH   SOLE   0 0 6,298
ISHARES TR RUSSELL 2000 ETF 464287655   256,930 1,474 SH   SOLE   0 0 1,474
PROCTER AND GAMBLE CO COM 742718109   252,644 1,667 SH   SOLE   0 0 1,667
RAYTHEON TECHNOLOGIES CORP COM 75513E101   248,013 2,458 SH   SOLE   0 0 2,458
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   246,155 5,916 SH   SOLE   0 0 5,916
AMERICAN TOWER CORP NEW COM 03027X100   241,793 1,141 SH   SOLE   0 0 1,141
BECTON DICKINSON & CO COM 075887109   236,499 930 SH   SOLE   0 0 930
CHEVRON CORP NEW COM 166764100   234,845 1,308 SH   SOLE   0 0 1,308
ISHARES TR PFD AND INCM SEC 464288687   231,312 7,577 SH   SOLE   0 0 7,577
L3HARRIS TECHNOLOGIES INC COM 502431109   228,826 1,099 SH   SOLE   0 0 1,099
ISHARES TR MSCI EAFE MIN VL 46429B689   224,412 3,529 SH   SOLE   0 0 3,529
MONDELEZ INTL INC CL A 609207105   219,945 3,300 SH   SOLE   0 0 3,300
ALPHABET INC CAP STK CL A 02079K305   219,252 2,485 SH   SOLE   0 0 2,485
ISHARES TR RUS TOP 200 ETF 464289446   217,537 2,418 SH   SOLE   0 0 2,418
CSX CORP COM 126408103   210,901 6,808 SH   SOLE   0 0 6,808
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   207,776 2,021 SH   SOLE   0 0 2,021
VISA INC COM CL A 92826C839   207,636 999 SH   SOLE   0 0 999
EFFECTOR THERAPEUTICS INC COM 28202V108   13,256 31,000 SH   SOLE   0 0 31,000