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
ABBVIE INC COM 00287Y109   445,694 2,876 SH   SOLE   0 0 2,876
ALPHABET INC CAP STK CL C 02079K107   1,219,045 8,650 SH   SOLE   0 0 8,650
ALPHABET INC CAP STK CL A 02079K305   1,694,160 12,128 SH   SOLE   0 0 12,128
AMAZON COM INC COM 023135106   760,156 5,003 SH   SOLE   0 0 5,003
APPLE INC COM 037833100   2,113,979 10,980 SH   SOLE   0 0 10,980
AT&T INC COM 00206R102   190,017 11,324 SH   SOLE   0 0 11,324
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,084,960 3,042 SH   SOLE   0 0 3,042
CISCO SYS INC COM 17275R102   200,362 3,966 SH   SOLE   0 0 3,966
COSTAR GROUP INC COM 22160N109   292,145 3,343 SH   SOLE   0 0 3,343
DANAHER CORPORATION COM 235851102   229,489 992 SH   SOLE   0 0 992
ELI LILLY & CO COM 532457108   2,450,596 4,204 SH   SOLE   0 0 4,204
ETF SER SOLUTIONS DEFIANCE NEXT 26922A289   434,926 12,133 SH   SOLE   0 0 12,133
EXXON MOBIL CORP COM 30231G102   292,142 2,922 SH   SOLE   0 0 2,922
INTEL CORP COM 458140100   208,889 4,157 SH   SOLE   0 0 4,157
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   366,885 2,325 SH   SOLE   0 0 2,325
INVESCO QQQ TR UNIT SER 1 46090E103   409,520 1,000 SH   SOLE   0 0 1,000
ISHARES TR CORE S&P500 ETF 464287200   223,531 468 SH   SOLE   0 0 468
ISHARES TR RUS 1000 VAL ETF 464287598   383,711 2,322 SH   SOLE   0 0 2,322
ISHARES TR MSCI EAFE ETF 464287465   46,546,709 617,740 SH   SOLE   0 0 617,740
ISHARES TR RUS MID CAP ETF 464287499   2,095,290 26,956 SH   SOLE   0 0 26,956
ISHARES TR U.S. TECH ETF 464287721   320,623 2,612 SH   SOLE   0 0 2,612
ISHARES TR MSCI EMG MKT ETF 464287234   15,428,657 383,702 SH   SOLE   0 0 383,702
ISHARES TR CORE S&P TTL STK 464287150   330,948 3,145 SH   SOLE   0 0 3,145
JOHNSON & JOHNSON COM 478160104   2,252,952 14,374 SH   SOLE   0 0 14,374
META PLATFORMS INC CL A 30303M102   633,588 1,790 SH   SOLE   0 0 1,790
MICROSOFT CORP COM 594918104   3,564,859 9,480 SH   SOLE   0 0 9,480
NIKE INC CL B 654106103   278,048 2,561 SH   SOLE   0 0 2,561
NVIDIA CORPORATION COM 67066G104   990,440 2,000 SH   SOLE   0 0 2,000
PEPSICO INC COM 713448108   263,252 1,550 SH   SOLE   0 0 1,550
PROCTER AND GAMBLE CO COM 742718109   285,460 1,948 SH   SOLE   0 0 1,948
PROSHARES TR S&P 500 DV ARIST 74348A467   503,513 5,289 SH   SOLE   0 0 5,289
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   123,565,213 2,219,601 SH   SOLE   0 0 2,219,601
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   275,443 3,824 SH   SOLE   0 0 3,824
SPDR S&P 500 ETF TR TR UNIT 78462F103   628,835 1,323 SH   SOLE   0 0 1,323
TESLA INC COM 88160R101   250,716 1,009 SH   SOLE   0 0 1,009
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,489,132 32,318 SH   SOLE   0 0 32,318
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,188,396 15,559 SH   SOLE   0 0 15,559
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,869,715 25,421 SH   SOLE   0 0 25,421
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   1,128,172 15,127 SH   SOLE   0 0 15,127
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   2,898,614 58,718 SH   SOLE   0 0 58,718
VANGUARD INDEX FDS TOTAL STK MKT 922908769   9,861,235 41,570 SH   SOLE   0 0 41,570
VANGUARD INDEX FDS VALUE ETF 922908744   294,216 1,968 SH   SOLE   0 0 1,968
VANGUARD INDEX FDS MID CAP ETF 922908629   303,595 1,305 SH   SOLE   0 0 1,305
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,377,101 57,837 SH   SOLE   0 0 57,837
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   3,047,923 29,626 SH   SOLE   0 0 29,626
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   404,878 7,931 SH   SOLE   0 0 7,931
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   682,017 8,815 SH   SOLE   0 0 8,815
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   666,518 14,377 SH   SOLE   0 0 14,377
VANGUARD STAR FDS VG TL INTL STK F 921909768   337,617 5,825 SH   SOLE   0 0 5,825
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   11,727,501 244,833 SH   SOLE   0 0 244,833
VISA INC COM CL A 92826C839   388,182 1,491 SH   SOLE   0 0 1,491