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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   541,293 2,741 SH   SOLE   0 0 2,741
ALPHABET INC CAP STK CL C 02079K107   1,433,654 8,575 SH   SOLE   0 0 8,575
ALPHABET INC CAP STK CL A 02079K305   1,955,507 11,791 SH   SOLE   0 0 11,791
AMAZON COM INC COM 023135106   889,167 4,772 SH   SOLE   0 0 4,772
AMGEN INC COM 031162100   221,036 686 SH   SOLE   0 0 686
APPLE INC COM 037833100   2,409,919 10,343 SH   SOLE   0 0 10,343
AT&T INC COM 00206R102   242,000 11,000 SH   SOLE   0 0 11,000
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,340,277 2,912 SH   SOLE   0 0 2,912
CISCO SYS INC COM 17275R102   211,071 3,966 SH   SOLE   0 0 3,966
COSTAR GROUP INC COM 22160N109   252,196 3,343 SH   SOLE   0 0 3,343
DANAHER CORPORATION COM 235851102   275,796 992 SH   SOLE   0 0 992
ELI LILLY & CO COM 532457108   3,770,561 4,256 SH   SOLE   0 0 4,256
EMERSON ELEC CO COM 291011104   211,193 1,931 SH   SOLE   0 0 1,931
ETF SER SOLUTIONS DEFIANCE CONNECT 26922A289   491,799 11,337 SH   SOLE   0 0 11,337
EXXON MOBIL CORP COM 30231G102   322,941 2,755 SH   SOLE   0 0 2,755
GENERAL DYNAMICS CORP COM 369550108   211,540 700 SH   SOLE   0 0 700
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   419,772 2,343 SH   SOLE   0 0 2,343
INVESCO QQQ TR UNIT SER 1 46090E103   956,617 1,960 SH   SOLE   0 0 1,960
ISHARES TR CORE S&P500 ETF 464287200   269,952 468 SH   SOLE   0 0 468
ISHARES TR RUS 1000 VAL ETF 464287598   440,716 2,322 SH   SOLE   0 0 2,322
ISHARES TR RUS MID CAP ETF 464287499   2,375,902 26,956 SH   SOLE   0 0 26,956
ISHARES TR U.S. TECH ETF 464287721   396,031 2,612 SH   SOLE   0 0 2,612
ISHARES TR MSCI EAFE ETF 464287465   48,335,464 577,968 SH   SOLE   0 0 577,968
ISHARES TR MSCI EMG MKT ETF 464287234   16,579,215 361,518 SH   SOLE   0 0 361,518
ISHARES TR CORE S&P TTL STK 464287150   331,762 2,641 SH   SOLE   0 0 2,641
JOHNSON & JOHNSON COM 478160104   2,273,023 14,026 SH   SOLE   0 0 14,026
META PLATFORMS INC CL A 30303M102   1,136,606 1,986 SH   SOLE   0 0 1,986
MICROSOFT CORP COM 594918104   4,004,211 9,306 SH   SOLE   0 0 9,306
NIKE INC CL B 654106103   226,392 2,561 SH   SOLE   0 0 2,561
NVIDIA CORPORATION COM 67066G104   2,679,965 22,068 SH   SOLE   0 0 22,068
PEPSICO INC COM 713448108   235,689 1,386 SH   SOLE   0 0 1,386
PROCTER AND GAMBLE CO COM 742718109   337,394 1,948 SH   SOLE   0 0 1,948
PROSHARES TR S&P 500 DV ARIST 74348A467   608,318 5,698 SH   SOLE   0 0 5,698
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   133,066,562 2,000,399 SH   SOLE   0 0 2,000,399
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   317,392 3,824 SH   SOLE   0 0 3,824
SPDR S&P 500 ETF TR TR UNIT 78462F103   724,085 1,262 SH   SOLE   0 0 1,262
TESLA INC COM 88160R101   272,357 1,041 SH   SOLE   0 0 1,041
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,326,384 42,272 SH   SOLE   0 0 42,272
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,606,428 20,498 SH   SOLE   0 0 20,498
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,495,741 19,914 SH   SOLE   0 0 19,914
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   1,551,283 20,637 SH   SOLE   0 0 20,637
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   3,630,618 72,208 SH   SOLE   0 0 72,208
VANGUARD INDEX FDS VALUE ETF 922908744   343,554 1,968 SH   SOLE   0 0 1,968
VANGUARD INDEX FDS MID CAP ETF 922908629   325,566 1,234 SH   SOLE   0 0 1,234
VANGUARD INDEX FDS TOTAL STK MKT 922908769   11,749,158 41,493 SH   SOLE   0 0 41,493
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,068,146 126,816 SH   SOLE   0 0 126,816
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   2,244,614 18,752 SH   SOLE   0 0 18,752
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   868,934 10,941 SH   SOLE   0 0 10,941
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   820,321 17,376 SH   SOLE   0 0 17,376
VANGUARD STAR FDS VG TL INTL STK F 921909768   389,087 6,010 SH   SOLE   0 0 6,010
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   17,383,626 329,173 SH   SOLE   0 0 329,173