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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109 371 2,741 SH   SOLE   0 0 2,741
ALPHABET INC CAP STK CL C 02079K107 1,308 452 SH   SOLE   0 0 452
ALPHABET INC CAP STK CL A 02079K305 1,901 656 SH   SOLE   0 0 656
AMAZON COM INC COM 023135106 820 246 SH   SOLE   0 0 246
APPLE INC COM 037833100 2,160 12,167 SH   SOLE   0 0 12,167
AT&T INC COM 00206R102 281 11,424 SH   SOLE   0 0 11,424
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,034 3,459 SH   SOLE   0 0 3,459
CISCO SYS INC COM 17275R102 251 3,966 SH   SOLE   0 0 3,966
DANAHER CORPORATION COM 235851102 326 992 SH   SOLE   0 0 992
ETF SER SOLUTIONS DEFIANCE NEXT 26922A289 1,455 34,902 SH   SOLE   0 0 34,902
EXXON MOBIL CORP COM 30231G102 211 3,450 SH   SOLE   0 0 3,450
INTEL CORP COM 458140100 214 4,157 SH   SOLE   0 0 4,157
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 778 4,780 SH   SOLE   0 0 4,780
INVESCO QQQ TR UNIT SER 1 46090E103 399 1,003 SH   SOLE   0 0 1,003
ISHARES TR RUS 1000 VAL ETF 464287598 390 2,322 SH   SOLE   0 0 2,322
ISHARES TR MSCI EAFE ETF 464287465 49,836 633,405 SH   SOLE   0 0 633,405
ISHARES TR RUS MID CAP ETF 464287499 2,238 26,956 SH   SOLE   0 0 26,956
ISHARES TR U.S. TECH ETF 464287721 300 2,612 SH   SOLE   0 0 2,612
ISHARES TR MSCI EMG MKT ETF 464287234 14,968 306,406 SH   SOLE   0 0 306,406
ISHARES TR NATIONAL MUN ETF 464288414 366 3,150 SH   SOLE   0 0 3,150
JOHNSON & JOHNSON COM 478160104 2,534 14,814 SH   SOLE   0 0 14,814
JPMORGAN CHASE & CO COM 46625H100 231 1,459 SH   SOLE   0 0 1,459
LILLY ELI & CO COM 532457108 1,180 4,272 SH   SOLE   0 0 4,272
META PLATFORMS INC CL A 30303M102 560 1,665 SH   SOLE   0 0 1,665
MICROSOFT CORP COM 594918104 3,144 9,347 SH   SOLE   0 0 9,347
NIKE INC CL B 654106103 427 2,561 SH   SOLE   0 0 2,561
NVIDIA CORPORATION COM 67066G104 600 2,040 SH   SOLE   0 0 2,040
PEPSICO INC COM 713448108 361 2,078 SH   SOLE   0 0 2,078
PROCTER AND GAMBLE CO COM 742718109 319 1,948 SH   SOLE   0 0 1,948
PROSHARES TR S&P 500 DV ARIST 74348A467 969 9,870 SH   SOLE   0 0 9,870
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 140,357 1,241,990 SH   SOLE   0 0 1,241,990
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 914 8,028 SH   SOLE   0 0 8,028
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 295 3,824 SH   SOLE   0 0 3,824
SPDR S&P 500 ETF TR TR UNIT 78462F103 546 1,150 SH   SOLE   0 0 1,150
TESLA INC COM 88160R101 406 384 SH   SOLE   0 0 384
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 17,886 221,279 SH   SOLE   0 0 221,279
VANGUARD BD INDEX FDS INTERMED TERM 921937819 8,605 98,205 SH   SOLE   0 0 98,205
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 21,775 256,928 SH   SOLE   0 0 256,928
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 8,795 85,450 SH   SOLE   0 0 85,450
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 19,691 356,987 SH   SOLE   0 0 356,987
VANGUARD INDEX FDS VALUE ETF 922908744 290 1,968 SH   SOLE   0 0 1,968
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,017 20,779 SH   SOLE   0 0 20,779
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,856 77,962 SH   SOLE   0 0 77,962
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,357 12,635 SH   SOLE   0 0 12,635
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,067 50,054 SH   SOLE   0 0 50,054
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 5,023 95,063 SH   SOLE   0 0 95,063
VANGUARD STAR FDS VG TL INTL STK F 921909768 283 4,449 SH   SOLE   0 0 4,449
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 12,210 239,136 SH   SOLE   0 0 239,136
VERIZON COMMUNICATIONS INC COM 92343V104 268 5,159 SH   SOLE   0 0 5,159
VISA INC COM CL A 92826C839 581 2,682 SH   SOLE   0 0 2,682