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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   499,136 2,741 SH   SOLE   0 0 2,741
ALPHABET INC CAP STK CL C 02079K107   1,317,049 8,650 SH   SOLE   0 0 8,650
ALPHABET INC CAP STK CL A 02079K305   1,832,441 12,141 SH   SOLE   0 0 12,141
AMAZON COM INC COM 023135106   904,425 5,014 SH   SOLE   0 0 5,014
APPLE INC COM 037833100   1,831,235 10,679 SH   SOLE   0 0 10,679
AT&T INC COM 00206R102   193,600 11,000 SH   SOLE   0 0 11,000
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,279,222 3,042 SH   SOLE   0 0 3,042
COSTAR GROUP INC COM 22160N109   322,934 3,343 SH   SOLE   0 0 3,343
DANAHER CORPORATION COM 235851102   247,722 992 SH   SOLE   0 0 992
ELI LILLY & CO COM 532457108   3,306,330 4,250 SH   SOLE   0 0 4,250
EMERSON ELEC CO COM 291011104   219,014 1,931 SH   SOLE   0 0 1,931
ETF SER SOLUTIONS DEFIANCE NEXT 26922A289   477,636 12,222 SH   SOLE   0 0 12,222
EXXON MOBIL CORP COM 30231G102   330,122 2,840 SH   SOLE   0 0 2,840
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   395,818 2,337 SH   SOLE   0 0 2,337
INVESCO QQQ TR UNIT SER 1 46090E103   444,010 1,000 SH   SOLE   0 0 1,000
ISHARES TR CORE S&P500 ETF 464287200   246,042 468 SH   SOLE   0 0 468
ISHARES TR RUS 1000 VAL ETF 464287598   415,893 2,322 SH   SOLE   0 0 2,322
ISHARES TR MSCI EAFE ETF 464287465   49,139,455 615,320 SH   SOLE   0 0 615,320
ISHARES TR RUS MID CAP ETF 464287499   2,266,730 26,956 SH   SOLE   0 0 26,956
ISHARES TR U.S. TECH ETF 464287721   352,777 2,612 SH   SOLE   0 0 2,612
ISHARES TR MSCI EMG MKT ETF 464287234   15,718,564 382,633 SH   SOLE   0 0 382,633
ISHARES TR CORE S&P TTL STK 464287150   324,339 2,813 SH   SOLE   0 0 2,813
JOHNSON & JOHNSON COM 478160104   2,264,302 14,314 SH   SOLE   0 0 14,314
META PLATFORMS INC CL A 30303M102   869,674 1,791 SH   SOLE   0 0 1,791
MICROSOFT CORP COM 594918104   3,959,347 9,411 SH   SOLE   0 0 9,411
NIKE INC CL B 654106103   240,683 2,561 SH   SOLE   0 0 2,561
NVIDIA CORPORATION COM 67066G104   2,034,855 2,252 SH   SOLE   0 0 2,252
PEPSICO INC COM 713448108   242,564 1,386 SH   SOLE   0 0 1,386
PROCTER AND GAMBLE CO COM 742718109   316,063 1,948 SH   SOLE   0 0 1,948
PROSHARES TR S&P 500 DV ARIST 74348A467   567,896 5,600 SH   SOLE   0 0 5,600
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   136,320,212 2,232,927 SH   SOLE   0 0 2,232,927
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   292,001 3,824 SH   SOLE   0 0 3,824
SPDR S&P 500 ETF TR TR UNIT 78462F103   692,022 1,323 SH   SOLE   0 0 1,323
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,745,399 35,808 SH   SOLE   0 0 35,808
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,306,380 17,326 SH   SOLE   0 0 17,326
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,201,561 30,312 SH   SOLE   0 0 30,312
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   1,232,214 17,036 SH   SOLE   0 0 17,036
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   3,182,495 64,698 SH   SOLE   0 0 64,698
VANGUARD INDEX FDS TOTAL STK MKT 922908769   11,341,516 43,638 SH   SOLE   0 0 43,638
VANGUARD INDEX FDS VALUE ETF 922908744   320,508 1,968 SH   SOLE   0 0 1,968
VANGUARD INDEX FDS MID CAP ETF 922908629   326,067 1,305 SH   SOLE   0 0 1,305
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,325,184 79,607 SH   SOLE   0 0 79,607
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   3,007,589 27,218 SH   SOLE   0 0 27,218
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   722,214 14,273 SH   SOLE   0 0 14,273
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   741,403 9,590 SH   SOLE   0 0 9,590
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   726,704 15,933 SH   SOLE   0 0 15,933
VANGUARD STAR FDS VG TL INTL STK F 921909768   364,755 6,049 SH   SOLE   0 0 6,049
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   14,364,975 286,326 SH   SOLE   0 0 286,326
VISA INC COM CL A 92826C839   416,666 1,493 SH   SOLE   0 0 1,493