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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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   1,332,733 7,784 SH   SOLE   0 0 7,784
ISHARES TR CORE US AGGBD ET 464287226   3,590,423 38,180 SH   SOLE   0 0 38,180
AMAZON COM INC COM 023135106   461,700 3,632 SH   SOLE   0 0 3,632
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   435,594 4,744 SH   SOLE   0 0 4,744
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   1,363,672 64,968 SH   SOLE   0 0 64,968
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   279,189 797 SH   SOLE   0 0 797
COSTCO WHSL CORP NEW COM 22160K105   282,869 501 SH   SOLE   0 0 501
SPRINKLR INC CL A 85208T107   788,479 56,971 SH   SOLE   0 0 56,971
DBX ETF TR XTRACK MSCI EAFE 233051200   1,384,191 39,662 SH   SOLE   0 0 39,662
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   343,821 13,123 SH   SOLE   0 0 13,123
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   385,219 7,339 SH   SOLE   0 0 7,339
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   296,204 8,707 SH   SOLE   0 0 8,707
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   254,227 759 SH   SOLE   0 0 759
ISHARES TR MSCI KLD400 SOC 464288570   2,195,057 26,963 SH   SOLE   0 0 26,963
ISHARES TR MSCI EAFE ETF 464287465   220,820 3,204 SH   SOLE   0 0 3,204
ISHARES TR EAFE VALUE ETF 464288877   1,072,203 21,913 SH   SOLE   0 0 21,913
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756   242,889 4,542 SH   SOLE   0 0 4,542
ALPHABET INC CAP STK CL C 02079K107   221,112 1,677 SH   SOLE   0 0 1,677
ALPHABET INC CAP STK CL A 02079K305   300,062 2,293 SH   SOLE   0 0 2,293
FLEXSHARES TR MORNSTAR UPSTR 33939L407   1,127,081 27,870 SH   SOLE   0 0 27,870
HOME DEPOT INC COM 437076102   542,982 1,797 SH   SOLE   0 0 1,797
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   353,507 7,204 SH   SOLE   0 0 7,204
ISHARES TR 7-10 YR TRSY BD 464287440   287,294,331 3,136,743 SH   SOLE   0 0 3,136,743
ISHARES TR 3 7 YR TREAS BD 464288661   10,150,113 89,697 SH   SOLE   0 0 89,697
ISHARES TR CORE S&P MCP ETF 464287507   1,259,927 5,053 SH   SOLE   0 0 5,053
ISHARES TR CORE S&P TTL STK 464287150   8,130,010 86,315 SH   SOLE   0 0 86,315
ISHARES TR CORE S&P500 ETF 464287200   4,481,386 10,436 SH   SOLE   0 0 10,436
ISHARES TR S&P 500 GRWT ETF 464287309   228,933 3,346 SH   SOLE   0 0 3,346
ISHARES TR RUSSELL 2000 ETF 464287655   283,918 1,606 SH   SOLE   0 0 1,606
ISHARES TR RUSSELL 3000 ETF 464287689   2,815,984 11,491 SH   SOLE   0 0 11,491
ISHARES TR CORE MSCI TOTAL 46432F834   3,026,376 50,448 SH   SOLE   0 0 50,448
KRANESHARES TR KFA MOUNT LUCAS 500767652   1,785,838 54,831 SH   SOLE   0 0 54,831
SPDR SER TR S&P 400 MDCP VAL 78464A839   219,162 3,379 SH   SOLE   0 0 3,379
META PLATFORMS INC CL A 30303M102   281,897 939 SH   SOLE   0 0 939
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   891,107 8,788 SH   SOLE   0 0 8,788
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800   369,129 11,685 SH   SOLE   0 0 11,685
MICROSOFT CORP COM 594918104   773,740 2,450 SH   SOLE   0 0 2,450
ISHARES TR NATIONAL MUN ETF 464288414   13,416,478 130,841 SH   SOLE   0 0 130,841
NVIDIA CORPORATION COM 67066G104   433,685 997 SH   SOLE   0 0 997
SPROTT PHYSICAL SILVER TR TR UNIT 85207K107   135,250 17,843 SH   SOLE   0 0 17,843
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   948,122 22,890 SH   SOLE   0 0 22,890
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   483,146 9,692 SH   SOLE   0 0 9,692
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   586,353 17,266 SH   SOLE   0 0 17,266
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,104,372 16,318 SH   SOLE   0 0 16,318
SCHWAB STRATEGIC TR US TIPS ETF 808524870   9,871,265 195,509 SH   SOLE   0 0 195,509
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   3,967,536 78,410 SH   SOLE   0 0 78,410
ISHARES TR EAFE SML CP ETF 464288273   1,463,143 25,910 SH   SOLE   0 0 25,910
SPDR SER TR NUVEEN BLMBRG SH 78468R739   2,355,181 50,945 SH   SOLE   0 0 50,945
ISHARES TR SHORT TREAS BD 464288679   513,244 4,646 SH   SOLE   0 0 4,646
ISHARES TR 1 3 YR TREAS BD 464287457   14,423,340 178,132 SH   SOLE   0 0 178,132
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   252,235 8,134 SH   SOLE   0 0 8,134
SPDR SER TR PORTFOLIO S&P500 78464A854   2,573,879 51,211 SH   SOLE   0 0 51,211
SPDR SER TR PORTFOLIO S&P600 78468R853   1,492,194 40,439 SH   SOLE   0 0 40,439
ISHARES TR 0-5 YR TIPS ETF 46429B747   6,615,792 68,260 SH   SOLE   0 0 68,260
ISHARES TR 10-20 YR TRS ETF 464288653   648,130 6,582 SH   SOLE   0 0 6,582
TESLA INC COM 88160R101   422,371 1,688 SH   SOLE   0 0 1,688
UNITEDHEALTH GROUP INC COM 91324P102   328,732 652 SH   SOLE   0 0 652
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   1,749,274 34,763 SH   SOLE   0 0 34,763
RBB FD INC US TREAS 7 YR NT 74933W528   380,674 8,110 SH   SOLE   0 0 8,110
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,581,949 36,184 SH   SOLE   0 0 36,184
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   61,316,052 1,182,110 SH   SOLE   0 0 1,182,110
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   864,905 15,134 SH   SOLE   0 0 15,134
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,391,258 18,388 SH   SOLE   0 0 18,388
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,326,261 10,127 SH   SOLE   0 0 10,127
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   1,619,371 24,293 SH   SOLE   0 0 24,293
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   774,797 1,973 SH   SOLE   0 0 1,973
VANGUARD WORLD FD ESG INTL STK ETF 921910725   431,413 8,553 SH   SOLE   0 0 8,553
VANGUARD INDEX FDS TOTAL STK MKT 922908769   339,344,515 1,597,592 SH   SOLE   0 0 1,597,592
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   282,072 5,966 SH   SOLE   0 0 5,966
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649   323,905 2,713 SH   SOLE   0 0 2,713
VANGUARD INDEX FDS LARGE CAP ETF 922908637   205,474 1,050 SH   SOLE   0 0 1,050
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,502,436 38,318 SH   SOLE   0 0 38,318
EXXON MOBIL CORP COM 30231G102   991,996 8,437 SH   SOLE   0 0 8,437
ISHARES TR EXPONENTIAL TECH 46434V381   800,484 15,332 SH   SOLE   0 0 15,332