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
APPLE INC COM 037833100   1,974,587 10,180 SH   SOLE   0 0 10,180
ISHARES TR CORE US AGGBD ET 464287226   3,103,658 31,686 SH   SOLE   0 0 31,686
AMAZON COM INC COM 023135106   415,718 3,189 SH   SOLE   0 0 3,189
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   376,773 4,103 SH   SOLE   0 0 4,103
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   1,351,399 64,230 SH   SOLE   0 0 64,230
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   250,635 735 SH   SOLE   0 0 735
COSTCO WHSL CORP NEW COM 22160K105   276,560 514 SH   SOLE   0 0 514
SPRINKLR INC CL A 85208T107   787,909 56,971 SH   SOLE   0 0 56,971
DBX ETF TR XTRACK MSCI EAFE 233051200   1,325,301 37,470 SH   SOLE   0 0 37,470
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   319,094 11,753 SH   SOLE   0 0 11,753
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   400,950 7,317 SH   SOLE   0 0 7,317
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   299,244 8,674 SH   SOLE   0 0 8,674
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   260,982 759 SH   SOLE   0 0 759
ISHARES TR MSCI KLD400 SOC 464288570   2,467,358 29,314 SH   SOLE   0 0 29,314
ISHARES TR MSCI EAFE ETF 464287465   554,335 7,646 SH   SOLE   0 0 7,646
ISHARES TR EAFE VALUE ETF 464288877   1,186,110 24,236 SH   SOLE   0 0 24,236
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756   267,469 5,094 SH   SOLE   0 0 5,094
ALPHABET INC CAP STK CL A 02079K305   263,819 2,204 SH   SOLE   0 0 2,204
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887   301,513 6,074 SH   SOLE   0 0 6,074
FLEXSHARES TR MORNSTAR UPSTR 33939L407   1,018,498 25,418 SH   SOLE   0 0 25,418
HOME DEPOT INC COM 437076102   655,761 2,111 SH   SOLE   0 0 2,111
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   358,285 6,979 SH   SOLE   0 0 6,979
ISHARES TR GENOMICS IMMUN 46435U192   209,693 8,979 SH   SOLE   0 0 8,979
ISHARES TR 7-10 YR TRSY BD 464287440   290,866,766 3,011,043 SH   SOLE   0 0 3,011,043
ISHARES TR 3 7 YR TREAS BD 464288661   9,060,704 78,611 SH   SOLE   0 0 78,611
ISHARES TR CYBERSECURITY 46435U135   339,661 8,981 SH   SOLE   0 0 8,981
ISHARES TR CORE S&P MCP ETF 464287507   1,387,373 5,306 SH   SOLE   0 0 5,306
ISHARES TR S&P MC 400VL ETF 464287705   229,365 2,141 SH   SOLE   0 0 2,141
ISHARES TR CORE S&P TTL STK 464287150   9,062,919 92,630 SH   SOLE   0 0 92,630
ISHARES TR CORE S&P500 ETF 464287200   5,669,726 12,721 SH   SOLE   0 0 12,721
ISHARES TR S&P 500 GRWT ETF 464287309   333,018 4,725 SH   SOLE   0 0 4,725
ISHARES TR RUSSELL 2000 ETF 464287655   487,651 2,604 SH   SOLE   0 0 2,604
ISHARES TR RUSSELL 3000 ETF 464287689   3,042,308 11,955 SH   SOLE   0 0 11,955
ISHARES TR CORE MSCI TOTAL 46432F834   3,292,560 52,580 SH   SOLE   0 0 52,580
KRANESHARES TR KFA MOUNT LUCAS 500767652   1,536,417 50,427 SH   SOLE   0 0 50,427
SPDR SER TR S&P 400 MDCP VAL 78464A839   272,231 3,958 SH   SOLE   0 0 3,958
META PLATFORMS INC CL A 30303M102   240,202 837 SH   SOLE   0 0 837
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   993,191 9,572 SH   SOLE   0 0 9,572
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800   384,322 12,318 SH   SOLE   0 0 12,318
MICROSOFT CORP COM 594918104   826,794 2,428 SH   SOLE   0 0 2,428
ISHARES TR NATIONAL MUN ETF 464288414   13,633,502 127,738 SH   SOLE   0 0 127,738
NVIDIA CORPORATION COM 67066G104   433,596 1,025 SH   SOLE   0 0 1,025
PROCTER AND GAMBLE CO COM 742718109   249,286 1,643 SH   SOLE   0 0 1,643
SPROTT PHYSICAL SILVER TR TR UNIT 85207K107   128,761 16,529 SH   SOLE   0 0 16,529
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434   468,607 6,702 SH   SOLE   0 0 6,702
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   568,627 12,982 SH   SOLE   0 0 12,982
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   501,076 9,692 SH   SOLE   0 0 9,692
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   475,072 13,326 SH   SOLE   0 0 13,326
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   643,798 9,064 SH   SOLE   0 0 9,064
SCHWAB STRATEGIC TR US TIPS ETF 808524870   11,105,308 211,812 SH   SOLE   0 0 211,812
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,001,623 38,221 SH   SOLE   0 0 38,221
ISHARES TR EAFE SML CP ETF 464288273   1,496,328 25,370 SH   SOLE   0 0 25,370
SPDR SER TR NUVEEN BLMBRG SH 78468R739   2,687,773 57,126 SH   SOLE   0 0 57,126
ISHARES TR SHORT TREAS BD 464288679   513,151 4,646 SH   SOLE   0 0 4,646
ISHARES TR 1 3 YR TREAS BD 464287457   14,173,582 174,810 SH   SOLE   0 0 174,810
SPDR SER TR PORTFOLIO S&P500 78464A854   2,805,238 53,833 SH   SOLE   0 0 53,833
SPDR SER TR PORTFOLIO S&P600 78468R853   1,481,667 38,148 SH   SOLE   0 0 38,148
SPDR S&P 500 ETF TR TR UNIT 78462F103   206,568 466 SH   SOLE   0 0 466
ISHARES TR 0-5 YR TIPS ETF 46429B747   5,730,500 58,714 SH   SOLE   0 0 58,714
TESLA INC COM 88160R101   205,489 785 SH   SOLE   0 0 785
UNITEDHEALTH GROUP INC COM 91324P102   309,052 643 SH   SOLE   0 0 643
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   716,959 14,248 SH   SOLE   0 0 14,248
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,536,308 33,268 SH   SOLE   0 0 33,268
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   66,535,425 1,222,853 SH   SOLE   0 0 1,222,853
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,410,708 16,883 SH   SOLE   0 0 16,883
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,419,246 10,256 SH   SOLE   0 0 10,256
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   1,831,643 26,465 SH   SOLE   0 0 26,465
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   665,903 1,635 SH   SOLE   0 0 1,635
VANGUARD WORLD FD ESG INTL STK ETF 921910725   459,614 8,654 SH   SOLE   0 0 8,654
VANGUARD INDEX FDS TOTAL STK MKT 922908769   368,828,575 1,674,363 SH   SOLE   0 0 1,674,363
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   282,908 5,966 SH   SOLE   0 0 5,966
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649   373,299 3,019 SH   SOLE   0 0 3,019
VANGUARD INDEX FDS LARGE CAP ETF 922908637   212,856 1,050 SH   SOLE   0 0 1,050
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,736,604 42,689 SH   SOLE   0 0 42,689
EXXON MOBIL CORP COM 30231G102   930,912 8,680 SH   SOLE   0 0 8,680
ISHARES TR EXPONENTIAL TECH 46434V381   669,090 12,034 SH   SOLE   0 0 12,034