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
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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
ISHARES GOLD TR ISHARES NEW 464285204   294,682 4,998 SH   SOLE   4,998 0 0
SPDR GOLD TR GOLD SHS 78463V107   721,791 2,505 SH   SOLE   2,505 0 0
MANAGED PORTFOLIO SERIES TORTOISE NRAM PI 56167N720   3,911,190 107,539 SH   SOLE   107,539 0 0
AMERICAN BEACON SELECT FUNDS AHL TREND ETF 02368W309   2,714,297 115,502 SH   SOLE   115,502 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   233,412 2,578 SH   SOLE   2,578 0 0
ISHARES TR NATIONAL MUN ETF 464288414   9,706,490 92,057 SH   SOLE   92,057 0 0
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   20,439,800 408,796 SH   SOLE   408,796 0 0
ISHARES TR CORE US AGGBD ET 464287226   70,554,188 713,245 SH   SOLE   713,245 0 0
ISHARES TR 20 YR TR BD ETF 464287432   2,912,960 32,000 SH   SOLE   32,000 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   3,044,237 28,828 SH   SOLE   28,828 0 0
ISHARES TR CORE 1 5 YR USD 46432F859   268,004 5,543 SH   SOLE   5,543 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   282,887 2,734 SH   SOLE   2,734 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   15,106,315 205,668 SH   SOLE   205,668 0 0
ISHARES TR ESG AWR US AGRGT 46435U549   549,818 11,580 SH   SOLE   11,580 0 0
MERCK & CO INC COM 58933Y105   201,601 2,246 SH   SOLE   2,246 0 0
NVIDIA CORPORATION COM 67066G104   965,779 8,911 SH   SOLE   8,911 0 0
ISHARES TR CORE MSCI EAFE 46432F842   29,523,472 390,264 SH   SOLE   390,264 0 0
HOME DEPOT INC COM 437076102   1,780,101 4,857 SH   SOLE   4,857 0 0
ISHARES INC CORE MSCI EMKT 46434G103   11,656,806 215,987 SH   SOLE   215,987 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   252,690 750 SH   SOLE   750 0 0
AMERICAN CENTY ETF TR US EQT ETF 025072885   283,237 3,066 SH   SOLE   3,066 0 0
TRUIST FINL CORP COM 89832Q109   229,416 5,575 SH   SOLE   5,575 0 0
CONOCOPHILLIPS COM 20825C104   214,517 2,043 SH   SOLE   2,043 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   7,696,983 40,907 SH   SOLE   40,907 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   5,155,222 25,842 SH   SOLE   25,842 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   13,179,404 259,284 SH   SOLE   259,284 0 0
EXXON MOBIL CORP COM 30231G102   1,106,612 9,305 SH   SOLE   9,305 0 0
AFLAC INC COM 001055102   1,521,595 13,685 SH   SOLE   13,685 0 0
ISHARES TR S&P MC 400GR ETF 464287606   284,467 3,416 SH   SOLE   3,416 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   276,630 1,426 SH   SOLE   1,426 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   8,233,891 14,719 SH   SOLE   14,719 0 0
ALPHABET INC CAP STK CL A 02079K305   496,394 3,210 SH   SOLE   3,210 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,025,302 47,622 SH   SOLE   47,622 0 0
MICROSOFT CORP COM 594918104   1,328,130 3,538 SH   SOLE   3,538 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   6,639,656 18,388 SH   SOLE   18,388 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   330,345 667 SH   SOLE   667 0 0
UNION PAC CORP COM 907818108   292,465 1,238 SH   SOLE   1,238 0 0
BANK AMERICA CORP COM 060505104   329,584 7,898 SH   SOLE   7,898 0 0
ISHARES TR MSCI ACWI EX US 464288240   4,975,695 89,733 SH   SOLE   89,733 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   236,399 460 SH   SOLE   460 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   210,497 4,226 SH   SOLE   4,226 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   208,569 419 SH   SOLE   419 0 0
JPMORGAN CHASE & CO. COM 46625H100   490,039 1,998 SH   SOLE   1,998 0 0
JOHNSON & JOHNSON COM 478160104   1,000,798 6,035 SH   SOLE   6,035 0 0
ISHARES TR RUS MDCP VAL ETF 464287473   581,603 4,617 SH   SOLE   4,617 0 0
ISHARES TR ESG MSCI KLD 400 464288570   212,808 2,078 SH   SOLE   2,078 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   10,597,108 40,976 SH   SOLE   40,976 0 0
CHEVRON CORP NEW COM 166764100   276,519 1,653 SH   SOLE   1,653 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   650,000 1,000 SH Call SOLE   1,000 0 0
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   350,104 5,283 SH   SOLE   5,283 0 0
ISHARES TR CORE S&P500 ETF 464287200   530,434 944 SH   SOLE   944 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   8,786,304 194,130 SH   SOLE   194,130 0 0
ISHARES TR RUS MID CAP ETF 464287499   3,822,132 44,929 SH   SOLE   44,929 0 0
PROCTER AND GAMBLE CO COM 742718109   593,825 3,484 SH   SOLE   3,484 0 0
AMAZON COM INC COM 023135106   725,652 3,814 SH   SOLE   3,814 0 0
SPDR SER TR S&P DIVID ETF 78464A763   427,528 3,151 SH   SOLE   3,151 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   990,517 16,329 SH   SOLE   16,329 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   22,272,030 128,934 SH   SOLE   128,934 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   847,665 3,202 SH   SOLE   3,202 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   10,394,363 46,874 SH   SOLE   46,874 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   227,752 1,372 SH   SOLE   1,372 0 0
META PLATFORMS INC CL A 30303M102   404,029 701 SH   SOLE   701 0 0
COSTCO WHSL CORP NEW COM 22160K105   858,023 907 SH   SOLE   907 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   11,972,887 32,288 SH   SOLE   32,288 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   2,845,484 45,821 SH   SOLE   45,821 0 0
GE AEROSPACE COM NEW 369604301   221,166 1,105 SH   SOLE   1,105 0 0
LOCKHEED MARTIN CORP COM 539830109   239,883 537 SH   SOLE   537 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   446,410 2,162 SH   SOLE   2,162 0 0
ALPHABET INC CAP STK CL C 02079K107   544,305 3,484 SH   SOLE   3,484 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   285,723 6,538 SH   SOLE   6,538 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   44,422,736 161,631 SH   SOLE   161,631 0 0
APPLE INC COM 037833100   3,204,424 14,426 SH   SOLE   14,426 0 0
ABBVIE INC COM 00287Y109   250,993 1,198 SH   SOLE   1,198 0 0
VISA INC COM CL A 92826C839   537,255 1,533 SH   SOLE   1,533 0 0
WELLS FARGO CO NEW COM 949746101   219,662 3,060 SH   SOLE   3,060 0 0
COCA COLA CO COM 191216100   1,469,548 20,519 SH   SOLE   20,519 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   246,056 1,908 SH   SOLE   1,908 0 0
AMERICAN EXPRESS CO COM 025816109   231,539 861 SH   SOLE   861 0 0
ISHARES TR MSCI EAFE ETF 464287465   4,311,012 52,747 SH   SOLE   52,747 0 0
MARSH & MCLENNAN COS INC COM 571748102   512,463 2,100 SH   SOLE   2,100 0 0
MCDONALDS CORP COM 580135101   276,447 885 SH   SOLE   885 0 0
ISHARES TR 20 YR TR BD ETF 464287432   270,000 3,000 SH Call SOLE   3,000 0 0