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
3M CO COM 88579Y101   744,996 7,443 SH   SOLE   2,163 0 5,280
ABBOTT LABS COM 002824100   2,419,757 22,196 SH   SOLE   3,354 0 18,842
ABBVIE INC COM 00287Y109   1,245,849 9,247 SH   SOLE   36 0 9,211
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   962,152 3,118 SH   SOLE   0 0 3,118
ADOBE SYSTEMS INCORPORATED COM 00724F101   1,151,573 2,355 SH   SOLE   0 0 2,355
AIR PRODS & CHEMS INC COM 009158106   211,767 707 SH   SOLE   0 0 707
ALIGN TECHNOLOGY INC COM 016255101   320,751 907 SH   SOLE   0 0 907
ALLBIRDS INC COM CL A 01675A109   26,338 20,903 SH   SOLE   0 0 20,903
ALPHABET INC CAP STK CL C 02079K107   5,345,254 44,186 SH   SOLE   8,352 0 35,834
ALPHABET INC CAP STK CL A 02079K305   9,961,074 83,217 SH   SOLE   21,909 0 61,308
AMAZON COM INC COM 023135106   3,746,156 28,737 SH   SOLE   0 0 28,737
AMERICAN EXPRESS CO COM 025816109   857,066 4,920 SH   SOLE   0 0 4,920
AMERICAN INTL GROUP INC COM NEW 026874784   286,434 4,978 SH   SOLE   0 0 4,978
AMGEN INC COM 031162100   1,056,371 4,758 SH   SOLE   0 0 4,758
ANALOG DEVICES INC COM 032654105   416,894 2,140 SH   SOLE   0 0 2,140
APPLE INC COM 037833100   53,469,043 275,658 SH   SOLE   42,067 0 233,591
APPLIED MATLS INC COM 038222105   967,784 6,696 SH   SOLE   0 0 6,696
AT&T INC COM 00206R102   266,814 16,729 SH   SOLE   0 0 16,729
AUTOMATIC DATA PROCESSING IN COM 053015103   298,915 1,360 SH   SOLE   0 0 1,360
BANK AMERICA CORP COM 060505104   1,241,274 43,265 SH   SOLE   0 0 43,265
BECTON DICKINSON & CO COM 075887109   313,645 1,188 SH   SOLE   55 0 1,133
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   23,501,038 68,918 SH   SOLE   7,593 0 61,325
BERKSHIRE HATHAWAY INC DEL CL A 084670108   4,660,290 9 SH   SOLE   3 0 6
BILL HOLDINGS INC COM 090043100   30,787,638 263,480 SH   SOLE   160 0 263,320
BLACKROCK INC COM 09247X101   302,029 437 SH   SOLE   0 0 437
BOEING CO COM 097023105   296,957 1,406 SH   SOLE   0 0 1,406
BOX INC CL A 10316T104   258,544 8,800 SH   SOLE   0 0 8,800
BRISTOL-MYERS SQUIBB CO COM 110122108   871,044 13,621 SH   SOLE   0 0 13,621
BROADCOM INC COM 11135F101   742,520 856 SH   SOLE   0 0 856
CANADIAN PACIFIC KANSAS CITY COM 13646K108   1,066,163 13,200 SH   SOLE   0 0 13,200
CANGO INC ADS 137586103   23,398 20,000 SH   SOLE   0 0 20,000
CAPITAL ONE FINL CORP COM 14040H105   295,299 2,700 SH   SOLE   0 0 2,700
CATERPILLAR INC COM 149123101   687,920 2,796 SH   SOLE   249 0 2,547
CHARTER COMMUNICATIONS INC N CL A 16119P108   496,770 1,352 SH   SOLE   73 0 1,279
CHEVRON CORP NEW COM 166764100   2,850,702 18,117 SH   SOLE   1,388 0 16,729
CINCINNATI FINL CORP COM 172062101   3,325,686 34,173 SH   SOLE   0 0 34,173
CISCO SYS INC COM 17275R102   1,234,110 23,852 SH   SOLE   404 0 23,448
CLOROX CO DEL COM 189054109   207,590 1,305 SH   SOLE   71 0 1,234
CLOUDFLARE INC CL A COM 18915M107   878,246 13,435 SH   SOLE   3,779 0 9,656
COCA COLA CO COM 191216100   799,983 13,284 SH   SOLE   1,290 0 11,994
COMCAST CORP NEW CL A 20030N101   1,325,946 31,912 SH   SOLE   2,692 0 29,220
CONOCOPHILLIPS COM 20825C104   465,726 4,495 SH   SOLE   0 0 4,495
COSTCO WHSL CORP NEW COM 22160K105   1,100,988 2,045 SH   SOLE   450 0 1,595
COURSERA INC COM 22266M104   229,308 17,612 SH   SOLE   17,612 0 0
CSX CORP COM 126408103   241,837 7,092 SH   SOLE   0 0 7,092
CVS HEALTH CORP COM 126650100   245,481 3,551 SH   SOLE   0 0 3,551
DANAHER CORPORATION COM 235851102   1,553,946 6,475 SH   SOLE   1,566 0 4,909
DANIMER SCIENTIFIC INC COM CL A 236272100   28,203 11,850 SH   SOLE   0 0 11,850
DEERE & CO COM 244199105   505,398 1,247 SH   SOLE   0 0 1,247
DIAGEO PLC SPON ADR NEW 25243Q205   342,101 1,972 SH   SOLE   0 0 1,972
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   976,776 39,901 SH   SOLE   0 0 39,901
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   459,115 17,299 SH   SOLE   0 0 17,299
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   8,091,255 246,309 SH   SOLE   40,113 0 206,196
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   23,968,735 694,745 SH   SOLE   130,673 0 564,072
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   7,655,608 281,974 SH   SOLE   0 0 281,974
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   7,022,456 128,147 SH   SOLE   9,801 0 118,346
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   8,486,773 182,944 SH   SOLE   51,118 0 131,826
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   6,548,385 280,926 SH   SOLE   0 0 280,926
DISNEY WALT CO COM 254687106   1,830,775 20,506 SH   SOLE   3,651 0 16,855
DOCUSIGN INC COM 256163106   538,846 10,547 SH   SOLE   0 0 10,547
DOMINION ENERGY INC COM 25746U109   314,573 6,074 SH   SOLE   0 0 6,074
DUKE ENERGY CORP NEW COM NEW 26441C204   302,020 3,365 SH   SOLE   0 0 3,365
ECOLAB INC COM 278865100   289,743 1,552 SH   SOLE   0 0 1,552
EDWARDS LIFESCIENCES CORP COM 28176E108   258,653 2,742 SH   SOLE   0 0 2,742
ELASTIC N V ORD SHS N14506104   671,015 10,465 SH   SOLE   0 0 10,465
ELEVANCE HEALTH INC COM 036752103   381,645 859 SH   SOLE   100 0 759
ENBRIDGE INC COM 29250N105   201,984 5,437 SH   SOLE   0 0 5,437
ENGINE NO 1 ETF TRUST TRANSFRM 500 ETF 29287L106   996,706 19,316 SH   SOLE   0 0 19,316
ESAB CORPORATION COM 29605J106   290,713 4,369 SH   SOLE   0 0 4,369
EXXON MOBIL CORP COM 30231G102   2,630,951 24,531 SH   SOLE   613 0 23,918
FASTENAL CO COM 311900104   718,086 12,173 SH   SOLE   0 0 12,173
FEDEX CORP COM 31428X106   732,380 2,954 SH   SOLE   310 0 2,644
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   6,580,365 144,878 SH   SOLE   49,140 0 95,738
FLEXSHARES TR US QUALITY CAP 33939L746   252,462 5,137 SH   SOLE   0 0 5,137
FOCUS FINL PARTNERS INC COM CL A 34417P100   966,289 18,402 SH   SOLE   0 0 18,402
FTC SOLAR INC COM 30320C103   32,200 10,000 SH   SOLE   0 0 10,000
GENERAL DYNAMICS CORP COM 369550108   1,014,217 4,714 SH   SOLE   0 0 4,714
GENERAL ELECTRIC CO COM NEW 369604301   546,109 4,971 SH   SOLE   176 0 4,795
GENUINE PARTS CO COM 372460105   235,568 1,392 SH   SOLE   0 0 1,392
GOLDMAN SACHS GROUP INC COM 38141G104   404,466 1,254 SH   SOLE   75 0 1,179
HANESBRANDS INC COM 410345102   46,916 10,334 SH   SOLE   0 0 10,334
HERSHEY CO COM 427866108   211,496 847 SH   SOLE   0 0 847
HOME DEPOT INC COM 437076102   1,782,761 5,739 SH   SOLE   0 0 5,739
HONEYWELL INTL INC COM 438516106   479,119 2,309 SH   SOLE   300 0 2,009
HUNTINGTON BANCSHARES INC COM 446150104   395,528 36,691 SH   SOLE   0 0 36,691
ILLINOIS TOOL WKS INC COM 452308109   277,178 1,108 SH   SOLE   31 0 1,077
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800   5,694,405 182,513 SH   SOLE   23,318 0 159,195
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107   9,203,688 308,538 SH   SOLE   22,734 0 285,804
INTEL CORP COM 458140100   910,854 27,238 SH   SOLE   1,809 0 25,429
INTERNATIONAL BUSINESS MACHS COM 459200101   741,353 5,540 SH   SOLE   0 0 5,540
INTERNATIONAL TOWER HILL MIN COM 46050R102   9,638 23,000 SH   SOLE   0 0 23,000
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   289,720 13,770 SH   SOLE   0 0 13,770
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   217,574 3,464 SH   SOLE   0 0 3,464
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   6,808,175 45,497 SH   SOLE   1,154 0 44,343
INVESCO EXCHANGE TRADED FD T AEROSPACE DEFN 46137V100   432,318 5,118 SH   SOLE   0 0 5,118
INVESCO QQQ TR UNIT SER 1 46090E103   2,069,675 5,603 SH   SOLE   0 0 5,603
ISHARES GOLD TR ISHARES NEW 464285204   261,753 7,193 SH   SOLE   0 0 7,193
ISHARES INC MSCI EURZONE ETF 464286608   653,851 14,270 SH   SOLE   0 0 14,270
ISHARES INC MSCI EMRG CHN 46434G764   219,564 4,224 SH   SOLE   0 0 4,224
ISHARES INC MSCI EQUAL WEITE 464286681   311,178 3,949 SH   SOLE   0 0 3,949
ISHARES INC MSCI EMERG MRKT 464286533   2,419,416 44,005 SH   SOLE   8,381 0 35,624
ISHARES INC CORE MSCI EMKT 46434G103   55,056,149 1,116,985 SH   SOLE   45,057 0 1,071,928
ISHARES INC ESG AWR MSCI EM 46434G863   270,151 8,541 SH   SOLE   1,253 0 7,288
ISHARES INC MSCI GBL MIN VOL 464286525   274,743,626 2,801,934 SH   SOLE   325,524 0 2,476,410
ISHARES INC MSCI JPN ETF NEW 46434G822   206,251 3,332 SH   SOLE   0 0 3,332
ISHARES TR HDG MSCI EAFE 46434V803   373,023 12,033 SH   SOLE   0 0 12,033
ISHARES TR U.S. MED DVC ETF 464288810   459,020 8,130 SH   SOLE   0 0 8,130
ISHARES TR DOW JONES US ETF 464287846   3,222,168 29,744 SH   SOLE   0 0 29,744
ISHARES TR RUS MD CP GR ETF 464287481   1,198,309 12,401 SH   SOLE   0 0 12,401
ISHARES TR CORE DIV GRWTH 46434V621   1,294,536 25,122 SH   SOLE   0 0 25,122
ISHARES TR SELECT DIVID ETF 464287168   764,550 6,748 SH   SOLE   1,155 0 5,593
ISHARES TR CORE S&P US VLU 464287663   178,657,390 2,282,871 SH   SOLE   121,406 0 2,161,465
ISHARES TR CORE S&P500 ETF 464287200   52,532,503 117,863 SH   SOLE   5,059 0 112,804
ISHARES TR NATIONAL MUN ETF 464288414   14,367,777 134,618 SH   SOLE   29,041 0 105,577
ISHARES TR RUS 1000 ETF 464287622   17,007,697 69,777 SH   SOLE   4,681 0 65,096
ISHARES TR MSCI EAFE ETF 464287465   2,616,260 36,086 SH   SOLE   0 0 36,086
ISHARES TR GLOBAL REIT ETF 46434V647   2,267,024 98,695 SH   SOLE   3,352 0 95,343
ISHARES TR CORE S&P MCP ETF 464287507   5,566,856 21,289 SH   SOLE   579 0 20,710
ISHARES TR MODERT ALLOC ETF 464289875   2,494,630 61,733 SH   SOLE   0 0 61,733
ISHARES TR RUSSELL 2000 ETF 464287655   9,207,257 49,165 SH   SOLE   443 0 48,722
ISHARES TR MSCI ACWI ETF 464288257   3,718,758 38,761 SH   SOLE   4,907 0 33,854
ISHARES TR RUS 2000 VAL ETF 464287630   13,713,895 97,399 SH   SOLE   3,014 0 94,385
ISHARES TR MSCI USA MIN VOL 46429B697   8,821,335 118,678 SH   SOLE   691 0 117,987
ISHARES TR S&P 500 VAL ETF 464287408   731,046 4,535 SH   SOLE   0 0 4,535
ISHARES TR RUS MID CAP ETF 464287499   2,809,025 38,464 SH   SOLE   8,400 0 30,064
ISHARES TR S&P SML 600 GWT 464287887   566,720 4,931 SH   SOLE   0 0 4,931
ISHARES TR AGGRES ALLOC ETF 464289859   715,013 10,778 SH   SOLE   0 0 10,778
ISHARES TR CORE S&P US GWT 464287671   2,781,569 28,488 SH   SOLE   0 0 28,488
ISHARES TR CORE MSCI EAFE 46432F842   16,682,247 247,144 SH   SOLE   2,775 0 244,369
ISHARES TR S&P 500 GRWT ETF 464287309   467,211 6,629 SH   SOLE   0 0 6,629
ISHARES TR INTL SEL DIV ETF 464288448   371,885 14,124 SH   SOLE   0 0 14,124
ISHARES TR RUS 2000 GRW ETF 464287648   733,561 3,023 SH   SOLE   0 0 3,023
ISHARES TR MSCI EMG MKT ETF 464287234   4,052,905 102,450 SH   SOLE   1,875 0 100,575
ISHARES TR S&P MC 400VL ETF 464287705   563,503 5,260 SH   SOLE   0 0 5,260
ISHARES TR MSCI USA QLT FCT 46432F339   221,727 1,644 SH   SOLE   0 0 1,644
ISHARES TR ISHS 1-5YR INVS 464288646   300,217 5,984 SH   SOLE   0 0 5,984
ISHARES TR RUSSELL 3000 ETF 464287689   7,007,406 27,536 SH   SOLE   704 0 26,832
ISHARES TR CORE 1 5 YR USD 46432F859   877,485 18,814 SH   SOLE   0 0 18,814
ISHARES TR RUS 1000 VAL ETF 464287598   5,402,155 34,227 SH   SOLE   0 0 34,227
ISHARES TR CORE S&P SCP ETF 464287804   2,172,561 21,802 SH   SOLE   0 0 21,802
ISHARES TR MSCI EAFE MIN VL 46429B689   11,521,112 170,683 SH   SOLE   2,038 0 168,645
ISHARES TR MSCI ACWI EX US 464288240   229,907 4,671 SH   SOLE   0 0 4,671
ISHARES TR MSCI LW CRB TG 46434V464   12,815,462 81,945 SH   SOLE   6,866 0 75,079
ISHARES TR CORE HIGH DV ETF 46429B663   233,228 2,314 SH   SOLE   0 0 2,314
ISHARES TR EAFE VALUE ETF 464288877   62,656,369 1,280,269 SH   SOLE   206,085 0 1,074,184
ISHARES TR RUS 1000 GRW ETF 464287614   2,390,598 8,687 SH   SOLE   0 0 8,687
ISHARES TR CORE US AGGBD ET 464287226   6,712,322 68,529 SH   SOLE   14,714 0 53,815
ISHARES TR GRWT ALLOCAT ETF 464289867   25,003,898 485,985 SH   SOLE   44,482 0 441,503
ISHARES TR EAFE SML CP ETF 464288273   3,425,345 58,077 SH   SOLE   6,228 0 51,849
ISHARES TR SHORT TREAS BD 464288679   2,184,592 19,779 SH   SOLE   0 0 19,779
ISHARES TR CORE S&P TTL STK 464287150   2,338,572 23,902 SH   SOLE   0 0 23,902
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   447,513 8,970 SH   SOLE   0 0 8,970
JEFFERIES FINL GROUP INC COM 47233W109   201,441 6,073 SH   SOLE   0 0 6,073
JFROG LTD ORD SHS M6191J100   915,430 33,048 SH   SOLE   0 0 33,048
JOHNSON & JOHNSON COM 478160104   3,811,060 23,025 SH   SOLE   2,135 0 20,890
JPMORGAN CHASE & CO COM 46625H100   3,846,308 26,446 SH   SOLE   2,339 0 24,107
KINDER MORGAN INC DEL COM 49456B101   465,766 27,048 SH   SOLE   0 0 27,048
KRAFT HEINZ CO COM 500754106   232,029 6,536 SH   SOLE   0 0 6,536
LILLY ELI & CO COM 532457108   327,817 699 SH   SOLE   0 0 699
LINDE PLC SHS G54950103   384,129 1,008 SH   SOLE   0 0 1,008
LOCKHEED MARTIN CORP COM 539830109   343,904 747 SH   SOLE   310 0 437
LOEWS CORP COM 540424108   338,110 5,694 SH   SOLE   0 0 5,694
LOWES COS INC COM 548661107   1,884,144 8,348 SH   SOLE   0 0 8,348
MARATHON OIL CORP COM 565849106   251,378 10,920 SH   SOLE   10,150 0 770
MARATHON PETE CORP COM 56585A102   912,276 7,824 SH   SOLE   4,218 0 3,606
MASTERCARD INCORPORATED CL A 57636Q104   1,337,581 3,401 SH   SOLE   0 0 3,401
MCDONALDS CORP COM 580135101   979,874 3,284 SH   SOLE   366 0 2,918
MEDTRONIC PLC SHS G5960L103   241,834 2,745 SH   SOLE   0 0 2,745
MERCK & CO INC COM 58933Y105   1,948,495 16,885 SH   SOLE   458 0 16,427
META PLATFORMS INC CL A 30303M102   3,348,482 11,668 SH   SOLE   1,351 0 10,317
METLIFE INC COM 59156R108   215,719 3,816 SH   SOLE   0 0 3,816
MICROSOFT CORP COM 594918104   16,440,141 48,276 SH   SOLE   1,944 0 46,332
MONDELEZ INTL INC CL A 609207105   316,487 4,339 SH   SOLE   0 0 4,339
MONROE CAP CORP COM 610335101   89,980 11,000 SH   SOLE   0 0 11,000
MORGAN STANLEY COM NEW 617446448   277,011 3,244 SH   SOLE   0 0 3,244
NETFLIX INC COM 64110L106   369,131 838 SH   SOLE   45 0 793
NEXTERA ENERGY INC COM 65339F101   706,086 9,516 SH   SOLE   0 0 9,516
NIKE INC CL B 654106103   737,273 6,680 SH   SOLE   1,397 0 5,283
NOKIA CORP SPONSORED ADR 654902204   95,680 23,000 SH   SOLE   0 0 23,000
NOVAGOLD RES INC COM NEW 66987E206   60,768 15,230 SH   SOLE   0 0 15,230
NOVARTIS AG SPONSORED ADR 66987V109   300,813 2,981 SH   SOLE   0 0 2,981
NOVO-NORDISK A S ADR 670100205   422,700 2,612 SH   SOLE   0 0 2,612
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   240,657 6,506 SH   SOLE   0 0 6,506
NVIDIA CORPORATION COM 67066G104   749,711 1,772 SH   SOLE   0 0 1,772
OCCIDENTAL PETE CORP COM 674599105   282,240 4,800 SH   SOLE   3,716 0 1,084
ORACLE CORP COM 68389X105   2,503,851 21,025 SH   SOLE   900 0 20,125
PALO ALTO NETWORKS INC COM 697435105   269,052 1,053 SH   SOLE   0 0 1,053
PARKER-HANNIFIN CORP COM 701094104   221,543 568 SH   SOLE   0 0 568
PAYCHEX INC COM 704326107   1,357,319 12,133 SH   SOLE   0 0 12,133
PEPSICO INC COM 713448108   3,650,134 19,707 SH   SOLE   2,909 0 16,798
PFIZER INC COM 717081103   1,575,944 42,965 SH   SOLE   0 0 42,965
PHILIP MORRIS INTL INC COM 718172109   272,557 2,792 SH   SOLE   0 0 2,792
PROCTER AND GAMBLE CO COM 742718109   4,588,019 30,236 SH   SOLE   293 0 29,943
PROSHARES TR S&P 500 DV ARIST 74348A467   559,834 5,938 SH   SOLE   0 0 5,938
QUALCOMM INC COM 747525103   1,656,915 13,919 SH   SOLE   2,222 0 11,697
RAYTHEON TECHNOLOGIES CORP COM 75513E101   1,285,138 13,119 SH   SOLE   175 0 12,944
REALTY INCOME CORP COM 756109104   370,160 6,191 SH   SOLE   89 0 6,102
RESMED INC COM 761152107   296,287 1,356 SH   SOLE   0 0 1,356
RESTAURANT BRANDS INTL INC COM 76131D103   1,013,341 13,072 SH   SOLE   0 0 13,072
RLJ LODGING TR CUM CONV PFD A 74965L200   336,778 13,980 SH   SOLE   13,980 0 0
ROYAL BK CDA COM 780087102   3,086,406 32,315 SH   SOLE   0 0 32,315
SALESFORCE INC COM 79466L302   2,629,133 12,445 SH   SOLE   9,110 0 3,335
SCHWAB CHARLES CORP COM 808513105   1,457,299 25,711 SH   SOLE   1,354 0 24,357
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   4,457,732 85,120 SH   SOLE   20,344 0 64,776
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   244,325 5,578 SH   SOLE   2,442 0 3,136
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,164,523 16,395 SH   SOLE   1,941 0 14,454
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,281,332 24,784 SH   SOLE   0 0 24,784
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   27,664,690 1,033,422 SH   SOLE   27,028 0 1,006,394
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   5,879,663 182,089 SH   SOLE   0 0 182,089
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,234,539 17,000 SH   SOLE   0 0 17,000
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   616,145 13,348 SH   SOLE   3,781 0 9,567
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,175,468 17,521 SH   SOLE   0 0 17,521
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   12,365,164 366,810 SH   SOLE   0 0 366,810
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   402,312 2,314 SH   SOLE   0 0 2,314
SILGAN HLDGS INC COM 827048109   1,084,472 23,128 SH   SOLE   0 0 23,128
SNOWFLAKE INC CL A 833445109   730,493 4,151 SH   SOLE   2,988 0 1,163
SOFI TECHNOLOGIES INC COM 83406F102   130,379 15,633 SH   SOLE   0 0 15,633
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   260,638 758 SH   SOLE   0 0 758
SPDR GOLD TR GOLD SHS 78463V107   567,791 3,185 SH   SOLE   131 0 3,054
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   395,074 12,949 SH   SOLE   2,325 0 10,624
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426   736,767 13,292 SH   SOLE   0 0 13,292
SPDR S&P 500 ETF TR TR UNIT 78462F103   26,939,076 60,772 SH   SOLE   3,476 0 57,296
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,473,390 3,076 SH   SOLE   0 0 3,076
SPDR SER TR S&P METALS MNG 78464A755   275,699 5,425 SH   SOLE   0 0 5,425
SPDR SER TR DJ REIT ETF 78464A607   274,485 3,035 SH   SOLE   0 0 3,035
SPDR SER TR S&P DIVID ETF 78464A763   1,383,364 11,285 SH   SOLE   1,157 0 10,128
STARBUCKS CORP COM 855244109   469,195 4,736 SH   SOLE   416 0 4,320
STRYKER CORPORATION COM 863667101   266,467 873 SH   SOLE   0 0 873
TARGET CORP COM 87612E106   217,239 1,647 SH   SOLE   750 0 897
TESLA INC COM 88160R101   1,987,883 7,594 SH   SOLE   0 0 7,594
THE CIGNA GROUP COM 125523100   341,965 1,219 SH   SOLE   0 0 1,219
THERMO FISHER SCIENTIFIC INC COM 883556102   957,935 1,836 SH   SOLE   0 0 1,836
TJX COS INC NEW COM 872540109   2,317,650 27,334 SH   SOLE   5,264 0 22,070
TOTALENERGIES SE SPONSORED ADS 89151E109   263,530 4,572 SH   SOLE   0 0 4,572
TRUIST FINL CORP COM 89832Q109   365,414 12,040 SH   SOLE   246 0 11,794
UNION PAC CORP COM 907818108   1,961,902 9,588 SH   SOLE   1,510 0 8,078
UNITED PARCEL SERVICE INC CL B 911312106   288,774 1,611 SH   SOLE   0 0 1,611
UNITEDHEALTH GROUP INC COM 91324P102   2,215,003 4,608 SH   SOLE   500 0 4,108
US BANCORP DEL COM NEW 902973304   1,636,206 49,522 SH   SOLE   260 0 49,262
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   379,401 4,755 SH   SOLE   0 0 4,755
VANECK ETF TRUST BIOTECH ETF 92189F726   1,155,241 7,403 SH   SOLE   1,292 0 6,111
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   5,336,248 64,989 SH   SOLE   1,042 0 63,947
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   25,895,266 356,240 SH   SOLE   29,410 0 326,830
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,716,348 35,945 SH   SOLE   0 0 35,945
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   1,401,933 28,518 SH   SOLE   0 0 28,518
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   240,781 1,740 SH   SOLE   0 0 1,740
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,920,181 19,711 SH   SOLE   54 0 19,657
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,882,519 34,496 SH   SOLE   5,983 0 28,513
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,148,470 4,999 SH   SOLE   0 0 4,999
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   549,182 3,690 SH   SOLE   0 0 3,690
VANGUARD INDEX FDS MID CAP ETF 922908629   1,302,467 5,916 SH   SOLE   0 0 5,916
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   61,023,899 149,837 SH   SOLE   11,142 0 138,695
VANGUARD INDEX FDS VALUE ETF 922908744   14,658,753 103,158 SH   SOLE   518 0 102,640
VANGUARD INDEX FDS SM CP VAL ETF 922908611   119,679,049 723,574 SH   SOLE   51,788 0 671,786
VANGUARD INDEX FDS TOTAL STK MKT 922908769   8,663,327 39,328 SH   SOLE   23,452 0 15,876
VANGUARD INDEX FDS GROWTH ETF 922908736   2,799,323 9,893 SH   SOLE   0 0 9,893
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,502,796 7,413 SH   SOLE   0 0 7,413
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   11,287,263 102,166 SH   SOLE   2,385 0 99,781
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   17,452,727 320,763 SH   SOLE   17,364 0 303,399
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   1,227,142 30,534 SH   SOLE   6,465 0 24,069
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   4,502,112 110,672 SH   SOLE   9,517 0 101,155
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   467,443 4,820 SH   SOLE   0 0 4,820
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   198,154,920 3,945,736 SH   SOLE   211,453 0 3,734,283
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   664,748 8,786 SH   SOLE   2,793 0 5,993
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   900,299 15,595 SH   SOLE   0 0 15,595
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   2,874,983 41,540 SH   SOLE   0 0 41,540
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   154,486,981 951,102 SH   SOLE   42,551 0 908,551
VANGUARD STAR FDS VG TL INTL STK F 921909768   233,273 4,160 SH   SOLE   0 0 4,160
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   6,842,008 148,160 SH   SOLE   10,990 0 137,170
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,047,653 9,877 SH   SOLE   0 0 9,877
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   547,737 2,665 SH   SOLE   0 0 2,665
VANGUARD WORLD FDS INF TECH ETF 92204A702   9,726,635 21,998 SH   SOLE   1,862 0 20,136
VANGUARD WORLD FDS MATERIALS ETF 92204A801   536,264 2,947 SH   SOLE   229 0 2,718
VERIZON COMMUNICATIONS INC COM 92343V104   500,503 13,458 SH   SOLE   275 0 13,183
VISA INC COM CL A 92826C839   1,285,590 5,413 SH   SOLE   0 0 5,413
WALMART INC COM 931142103   731,619 4,655 SH   SOLE   0 0 4,655
WASTE MGMT INC DEL COM 94106L109   305,046 1,759 SH   SOLE   0 0 1,759
WELLS FARGO CO NEW COM 949746101   1,120,563 26,255 SH   SOLE   0 0 26,255
WISDOMTREE TR ITL HIGH DIV FD 97717W802   342,803 9,280 SH   SOLE   0 0 9,280
WISDOMTREE TR ITL HDG QTLY DIV 97717X594   301,275 7,500 SH   SOLE   0 0 7,500
WISDOMTREE TR EMER MKT HIGH FD 97717W315   23,419,337 611,950 SH   SOLE   93,703 0 518,247
WISDOMTREE TR US LARGECAP DIVD 97717W307   3,068,826 48,252 SH   SOLE   2,193 0 46,059
ZIMMER BIOMET HOLDINGS INC COM 98956P102   266,012 1,827 SH   SOLE   0 0 1,827
ZOETIS INC CL A 98978V103   202,691 1,177 SH   SOLE   0 0 1,177