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
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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
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 241,488 1,600 SH   SOLE   0 0 1,600
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 362,683 2,382 SH   SOLE   0 0 2,382
AMAZON COM INC COM 023135106 BBG001S5PQL7 487,387 2,702 SH   SOLE   0 0 2,702
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 1,085,630 11,585 SH   SOLE   0 0 11,585
APPLE INC COM 037833100 BBG001S5N8V8 4,716,017 27,502 SH   SOLE   0 0 27,502
BERKSHIRE HATHAWAY INC DEL CL A 084670108 BBG001S902J2 1,268,880 2 SH   SOLE   0 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 4,926,812 11,716 SH   SOLE   0 0 11,716
CHIMERA INVT CORP COM NEW 16934Q208 BBG001SR1G28 56,357 12,225 SH   SOLE   0 0 12,225
COLGATE PALMOLIVE CO COM 194162103 BBG001S5PVM5 460,156 5,110 SH   SOLE   0 0 5,110
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690 BBG01B92VTS2 332,996 9,890 SH   SOLE   0 0 9,890
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 15,159,061 474,462 SH   SOLE   0 0 474,462
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716 BBG01B92NHL4 840,980 24,440 SH   SOLE   0 0 24,440
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 BBG012G2PD33 25,130,395 987,830 SH   SOLE   0 0 987,830
ECOLAB INC COM 278865100 BBG001S5QRB5 570,111 2,463 SH   SOLE   0 0 2,463
EDGEWELL PERS CARE CO COM 28035Q102 BBG001SF1XY2 480,104 12,377 SH   SOLE   0 0 12,377
ELI LILLY & CO COM 532457108 BBG001S5STL8 310,406 399 SH   SOLE   0 0 399
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 222,716 1,916 SH   SOLE   0 0 1,916
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 2,546,064 55,995 SH   SOLE   0 0 55,995
FIRST TR EXCH TRADED FD III LNG/SHT EQUITY 33739P103 BBG00735B1V0 5,918,373 95,984 SH   SOLE   0 0 95,984
INNOVATOR ETFS TRUST INTRNL DEV APRL 45782C367 BBG00SXJN914 780,850 28,750 SH   SOLE   0 0 28,750
INNOVATOR ETFS TRUST US EQTY PWR BF 45782C680 BBG00PVP39R2 657,007 18,570 SH   SOLE   0 0 18,570
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C748 BBG00PBD6H63 1,216,485 35,240 SH   SOLE   0 0 35,240
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C813 BBG00LNDTJL3 929,181 24,465 SH   SOLE   0 0 24,465
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C656 BBG00Q4028Q9 509,175 13,950 SH   SOLE   0 0 13,950
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C573 BBG00QPZ1F93 549,603 15,460 SH   SOLE   0 0 15,460
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C508 BBG00MYXKL20 623,413 15,940 SH   SOLE   0 0 15,940
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C417 BBG00RHZ5CR3 529,138 15,490 SH   SOLE   0 0 15,490
INNOVATOR ETFS TRUST US SML CP PWR ET 45782C342 BBG00SXJYJL8 229,338 7,360 SH   SOLE   0 0 7,360
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 1,857,025 4,177 SH   SOLE   0 0 4,177
ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 18,840,939 448,487 SH   SOLE   0 0 448,487
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 679,838 11,709 SH   SOLE   0 0 11,709
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 228,449 3,078 SH   SOLE   0 0 3,078
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 300,186 3,065 SH   SOLE   0 0 3,065
ISHARES TR ESG AWARE AGGRSV 46436E668 BBG00VFL1TJ3 1,437,503 42,180 SH   SOLE   0 0 42,180
ISHARES TR ESG AWARE GROWTH 46436E676 BBG00VFL1N33 1,733,867 57,055 SH   SOLE   0 0 57,055
ISHARES TR ESG AWR US AGRGT 46435U549 BBG00MC0P0K7 698,135 14,835 SH   SOLE   0 0 14,835
ISHARES TR ESG AWRE 1 5 YR 46435G243 BBG00H4BFM35 1,454,430 59,413 SH   SOLE   0 0 59,413
ISHARES TR GL CLEAN ENE ETF 464288224 BBG001S7XDQ8 473,153 33,845 SH   SOLE   0 0 33,845
ISHARES TR GLOBAL REIT ETF 46434V647 BBG006S5D3J3 225,552 9,525 SH   SOLE   0 0 9,525
ISHARES TR GRWT ALLOCAT ETF 464289867 BBG001T3YV58 660,859 11,871 SH   SOLE   0 0 11,871
ISHARES TR MODERT ALLOC ETF 464289875 BBG001T3YV21 208,296 4,869 SH   SOLE   0 0 4,869
ISHARES TR MSCI LW CRB TG 46434V464 BBG007PGJH85 1,133,488 6,315 SH   SOLE   0 0 6,315
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 229,597 1,397 SH   SOLE   0 0 1,397
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 24,634,590 228,946 SH   SOLE   0 0 228,946
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 281,981 979 SH   SOLE   0 0 979
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 311,097 923 SH   SOLE   0 0 923
ISHARES TR SHORT TREAS BD 464288679 BBG001SSD803 25,860,981 233,951 SH   SOLE   0 0 233,951
ISHARES TR TRS FLT RT BD 46434V860 BBG005YTNMS3 2,434,539 48,028 SH   SOLE   0 0 48,028
ISHARES TR U S EQUITY FACTR 46434V282 BBG008LNYFB5 32,050,958 595,632 SH   SOLE   0 0 595,632
ISHARES TR USD GRN BOND ETF 46435U440 BBG00MK1NQ85 468,619 9,994 SH   SOLE   0 0 9,994
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827 BBG00P35J8L8 26,843,906 935,980 SH   SOLE   0 0 935,980
MCKESSON CORP COM 58155Q103 BBG001S8F8P8 436,648 812 SH   SOLE   0 0 812
MICROSOFT CORP COM 594918104 BBG001S5TD05 435,866 1,036 SH   SOLE   0 0 1,036
MOTOROLA SOLUTIONS INC COM NEW 620076307 BBG001S5T9L1 669,205 1,880 SH   SOLE   0 0 1,880
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 332,510 368 SH   SOLE   0 0 368
PIMCO ETF TR ACTIVE BD ETF 72201R775 BBG002N12C17 15,354,755 167,154 SH   SOLE   0 0 167,154
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 236,615 1,136 SH   SOLE   0 0 1,136
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 472,745 2,298 SH   SOLE   0 0 2,298
TESLA INC COM 88160R101 BBG001SQKGD7 2,860,982 16,275 SH   SOLE   0 0 16,275
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 BBG00ZXBYMT4 366,175 7,390 SH   SOLE   0 0 7,390
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 668,404 7,729 SH   SOLE   0 0 7,729
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 1,861,270 3,872 SH   SOLE   0 0 3,872
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 123,617,591 475,635 SH   SOLE   0 0 475,635
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 34,466,931 587,671 SH   SOLE   0 0 587,671
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 276,183 6,612 SH   SOLE   0 0 6,612
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 696,150 6,300 SH   SOLE   0 0 6,300
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 40,825,920 697,283 SH   SOLE   0 0 697,283
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 408,584 8,144 SH   SOLE   0 0 8,144
VANGUARD WORLD FD INF TECH ETF 92204A702 BBG001SHTTR5 429,959 820 SH   SOLE   0 0 820
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 BBG005YHYNG8 71,369,974 1,419,168 SH   SOLE   0 0 1,419,168
WISDOMTREE TR FUTRE STRAT FD 97717W125 BBG001V038F5 391,125 10,430 SH   SOLE   0 0 10,430
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 BBG006G0J5J6 15,188,184 330,609 SH   SOLE   0 0 330,609