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
VANGUARD S&P 500 ETF ETF 922908363   15,357,419 31,948 SH   SOLE   0 0 0
VANGUARD HEALTH CARE ETF HEALTH CARE ETF 92204A504   13,982,482 51,687 SH   SOLE   0 0 0
VANGUARD S&P 500 GROWTH ETF ETF 921932505   13,122,921 43,066 SH   SOLE   0 0 0
VANGUARD LARGE CAP ETF ETF 922908637   12,039,721 50,215 SH   SOLE   0 0 0
VANGUARD DIVIDEND APPRECIATION ETF DIV APP ETF 921908844   11,627,237 63,672 SH   SOLE   0 0 0
VANGUARD MEGA CAP GROWTHETF ETF 921910816   11,120,758 38,801 SH   SOLE   0 0 0
VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702   10,012,871 19,096 SH   SOLE   0 0 0
AVANTIS US SMALL CAP VALUE ETF ETF 025072323   9,108,504 97,198 SH   SOLE   0 0 0
VANGUARD MID CAP ETF ETF 922908629   7,500,246 30,017 SH   SOLE   0 0 0
VANGUARD FINANCIALS ETF FINANCIALS ETF 92204A405   6,365,313 62,167 SH   SOLE   0 0 0
SPDR BLOOMBERG 1 3 MNTH T BLL ETF SPDR SER TR 78468R663   3,742,568 40,768 SH   SOLE   0 0 0
VANGUARD MUNI BND TAX EXEMPT ETF ETF 922907746   1,652,947 32,666 SH   SOLE   0 0 0
VANGUARD INTERMEDIATE TERM BOND ETF ETF 921937819   1,570,145 20,824 SH   SOLE   0 0 0
VANGUARD SMALL CAP GROWTH ETF ETF 922908595   1,176,903 4,514 SH   SOLE   0 0 0
FIDELITY TOTAL BOND ETF ETF 316188309   567,164 12,517 SH   SOLE   0 0 0
FIRST TRUST MANAGED MUNICIPAL ETF IV ETF 33739N108   513,657 10,001 SH   SOLE   0 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   477,382 1,836 SH   SOLE   0 0 0
ISHARES NATIONAL MUNI BOND ETF ISHARES TR 464288414   444,252 4,128 SH   SOLE   0 0 0
ISHARES IBOXX INVT GRADEBOND ETF ISHARES TR 464287242   352,300 3,234 SH   SOLE   0 0 0
VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406   208,695 1,724 SH   SOLE   0 0 0
APPLE INC COM 037833100   1,124,997 6,560 SH   SOLE   0 0 0
EMERSON ELECTRIC CO COM 291011104   1,111,085 9,796 SH   SOLE   0 0 0
MICROSOFT CORP COM 594918104   849,159 2,018 SH   SOLE   0 0 0
PROCTER & GAMBLE COM 742718109   816,412 5,031 SH   SOLE   0 0 0
AMAZON.COM INC COM 023135106   755,972 4,191 SH   SOLE   0 0 0
TESLA INC COM 88160R101   739,021 4,204 SH   SOLE   0 0 0
BLACKROCK MUNIYIELD CF COM 09253W104   731,262 66,117 SH   SOLE   0 0 0
NVIDIA CORP COM 67066G104   480,240 531 SH   SOLE   0 0 0
A T & T INC COM 00206R102   462,898 26,301 SH   SOLE   0 0 0
EXXON MOBIL CORP COM 30231G102   442,106 3,803 SH   SOLE   0 0 0
WALMART INC COM 931142103   323,900 5,383 SH   SOLE   0 0 0
NIKE INC CLASS B COM CL B 654106103   302,427 3,218 SH   SOLE   0 0 0
HOME DEPOT INC COM 437076102   277,291 722 SH   SOLE   0 0 0
ALPHABET INC. CLASS C CAP STK CL C 02079K107   268,738 1,765 SH   SOLE   0 0 0
PHILIP MORRIS INTL COM 718172109   214,977 2,346 SH   SOLE   0 0 0
VISA INC CLASS A COM CL A 92826C839   203,368 728 SH   SOLE   0 0 0
BLACKROCK MUNIYLD QUALIT COM 09254F100   171,879 14,030 SH   SOLE   0 0 0
AMERICAN LITHIUM CRP F COM NEW 027259209   8,748 12,866 SH   SOLE   0 0 0