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
ISHARES TR 20 YR TR BD ETF 464287432   1,152,970 13,000 SH   SOLE   13,000 0 0
ALPHABET INC CAP STK CL A 02079K305   441,914 3,377 SH   SOLE   3,377 0 0
ALPHABET INC CAP STK CL C 02079K107   468,990 3,557 SH   SOLE   3,557 0 0
AMAZON COM INC COM 023135106   541,658 4,261 SH   SOLE   4,261 0 0
APPLE INC COM 037833100   2,278,954 13,311 SH   SOLE   13,311 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   4,758,475 13,584 SH   SOLE   13,584 0 0
CHEVRON CORP NEW COM 166764100   256,122 1,519 SH   SOLE   1,519 0 0
COCA COLA CO COM 191216100   1,195,166 21,350 SH   SOLE   21,350 0 0
CONOCOPHILLIPS COM 20825C104   227,336 1,898 SH   SOLE   1,898 0 0
COSTCO WHSL CORP NEW COM 22160K105   578,639 1,024 SH   SOLE   1,024 0 0
HOME DEPOT INC COM 437076102   1,474,892 4,881 SH   SOLE   4,881 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   426,060 4,396 SH   SOLE   4,396 0 0
ISHARES GOLD TR ISHARES NEW 464285204   341,013 9,746 SH   SOLE   9,746 0 0
ISHARES TR CORE 1 5 YR USD 46432F859   1,564,801 33,739 SH   SOLE   33,739 0 0
ISHARES TR CORE MSCI EAFE 46432F842   23,432,205 364,137 SH   SOLE   364,137 0 0
ISHARES INC CORE MSCI EMKT 46434G103   9,793,281 205,784 SH   SOLE   205,784 0 0
ISHARES TR CORE US AGGBD ET 464287226   33,844,039 359,890 SH   SOLE   359,890 0 0
ISHARES TR ESG AWR US AGRGT 46435U549   318,776 7,037 SH   SOLE   7,037 0 0
ISHARES TR MSCI ACWI EX US 464288240   4,781,152 101,705 SH   SOLE   101,705 0 0
ISHARES TR MSCI EAFE ETF 464287465   4,077,680 59,165 SH   SOLE   59,165 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   379,500 10,000 SH Call SOLE   10,000 0 0
ISHARES TR NATIONAL MUN ETF 464288414   15,539,937 151,550 SH   SOLE   151,550 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   5,607,585 21,082 SH   SOLE   21,082 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   6,805,179 44,824 SH   SOLE   44,824 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   4,085,987 23,119 SH   SOLE   23,119 0 0
ISHARES TR RUS MDCP VAL ETF 464287473   481,738 4,617 SH   SOLE   4,617 0 0
ISHARES TR RUS MID CAP ETF 464287499   2,551,735 36,848 SH   SOLE   36,848 0 0
ISHARES TR S&P MC 400GR ETF 464287606   305,286 4,226 SH   SOLE   4,226 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   4,780,727 46,478 SH   SOLE   46,478 0 0
ISHARES TR CORE S&P500 ETF 464287200   563,916 1,313 SH   SOLE   1,313 0 0
JPMORGAN CHASE & CO COM 46625H100   274,191 1,891 SH   SOLE   1,891 0 0
JOHNSON & JOHNSON COM 478160104   521,882 3,351 SH   SOLE   3,351 0 0
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   15,231,761 314,901 SH   SOLE   314,901 0 0
LOCKHEED MARTIN CORP COM 539830109   219,612 537 SH   SOLE   537 0 0
MARSH & MCLENNAN COS INC COM 571748102   399,630 2,100 SH   SOLE   2,100 0 0
MCDONALDS CORP COM 580135101   258,435 981 SH   SOLE   981 0 0
MERCK & CO INC COM 58933Y105   775,892 7,537 SH   SOLE   7,537 0 0
META PLATFORMS INC CL A 30303M102   280,396 934 SH   SOLE   934 0 0
MICROSOFT CORP COM 594918104   1,227,636 3,888 SH   SOLE   3,888 0 0
NVIDIA CORPORATION COM 67066G104   315,804 726 SH   SOLE   726 0 0
PROCTER AND GAMBLE CO COM 742718109   515,539 3,534 SH   SOLE   3,534 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   5,210,432 108,800 SH   SOLE   108,800 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,195,553 23,983 SH   SOLE   23,983 0 0
SPDR GOLD TR GOLD SHS 78463V107   429,482 2,505 SH   SOLE   2,505 0 0
SPDR SER TR S&P DIVID ETF 78464A763   360,000 3,130 SH   SOLE   3,130 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,956,719 15,199 SH   SOLE   15,199 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   5,949,252 13,917 SH   SOLE   13,917 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   854,960 200 SH Call SOLE   200 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   450,480 2,748 SH   SOLE   2,748 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   214,692 424 SH   SOLE   424 0 0
MANAGED PORTFOLIO SERIES TORTOISE NRAM PI 56167N720   3,054,537 124,930 SH   SOLE   124,930 0 0
UNION PAC CORP COM 907818108   266,348 1,308 SH   SOLE   1,308 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   214,735 1,382 SH   SOLE   1,382 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,004,826 19,372 SH   SOLE   19,372 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   7,335,830 187,091 SH   SOLE   187,091 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   7,800,972 28,647 SH   SOLE   28,647 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   756,317 3,217 SH   SOLE   3,217 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   7,375,578 35,419 SH   SOLE   35,419 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,809,342 24,070 SH   SOLE   24,070 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   225,433 4,768 SH   SOLE   4,768 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   3,448,055 59,862 SH   SOLE   59,862 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   7,022,828 37,144 SH   SOLE   37,144 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   12,066,587 275,997 SH   SOLE   275,997 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   372,775 7,750 SH   SOLE   7,750 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   7,351,323 105,350 SH   SOLE   105,350 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   2,120,248 39,616 SH   SOLE   39,616 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   39,281,446 184,932 SH   SOLE   184,932 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   13,533,969 98,122 SH   SOLE   98,122 0 0
VISA INC COM CL A 92826C839   329,604 1,433 SH   SOLE   1,433 0 0