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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
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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
ALPHABET INC CAP STK CL C 02079K107   211,031 1,386 SH   SOLE   0 0 1,386
AMAZON COM INC COM 023135106   218,801 1,213 SH   SOLE   0 0 1,213
APPLE INC COM 037833100   587,624 3,427 SH   SOLE   0 0 3,427
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   794,783 1,890 SH   SOLE   0 0 1,890
ELI LILLY & CO COM 532457108   225,247 290 SH   SOLE   0 0 290
INVESCO QQQ TR UNIT SER 1 46090E103   229,109 516 SH   SOLE   0 0 516
ISHARES TR CORE S&P500 ETF 464287200   262,130 499 SH   SOLE   0 0 499
ISHARES TR RUS 1000 VAL ETF 464287598   258,908 1,446 SH   SOLE   0 0 1,446
ISHARES TR CORE US AGGBD ET 464287226   278,052 2,839 SH   SOLE   0 0 2,839
ISHARES TR RUS 1000 GRW ETF 464287614   405,808 1,204 SH   SOLE   0 0 1,204
ISHARES TR S&P 500 GRWT ETF 464287309   220,935 2,616 SH   SOLE   0 0 2,616
MICROSOFT CORP COM 594918104   756,186 1,797 SH   SOLE   0 0 1,797
NVIDIA CORPORATION COM 67066G104   436,423 483 SH   SOLE   0 0 483
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   27,591,374 444,592 SH   SOLE   0 0 444,592
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   4,694,384 95,337 SH   SOLE   0 0 95,337
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   828,292 2,082 SH   SOLE   0 0 2,082
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,454,135 2,780 SH   SOLE   0 0 2,780
VANGUARD BD INDEX FDS INTERMED TERM 921937819   24,736,115 328,065 SH   SOLE   0 0 328,065
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,977,642 27,229 SH   SOLE   0 0 27,229
VANGUARD INDEX FDS TOTAL STK MKT 922908769   16,942,469 65,188 SH   SOLE   0 0 65,188
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   298,283 3,449 SH   SOLE   0 0 3,449
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,712,529 64,940 SH   SOLE   0 0 64,940
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   211,474 3,606 SH   SOLE   0 0 3,606
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,874,390 24,245 SH   SOLE   0 0 24,245
VANGUARD STAR FDS VG TL INTL STK F 921909768   7,429,768 123,213 SH   SOLE   0 0 123,213
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   12,103,884 241,257 SH   SOLE   0 0 241,257
VANGUARD WORLD FD ESG US STK ETF 921910733   384,057 4,121 SH   SOLE   0 0 4,121
VANGUARD WORLD FD ESG INTL STK ETF 921910725   216,791 3,772 SH   SOLE   0 0 3,772
WALMART INC COM 931142103   292,902 4,868 SH   SOLE   0 0 4,868