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
A T & T Corp COM 00206R102   5,456 310 SH   SOLE   0 0 310
Advanced Micro Devices COM 007903107   103,060 571 SH   SOLE   0 0 571
ALPS O Shares US Sm-Cp Qul Div ETF OSHARES US SMLCP 00162Q395   159,638 3,750 SH   SOLE   0 0 3,750
Amazon Com Inc COM 023135106   137,089 760 SH   SOLE   0 0 760
American Water Works Co Inc COM 030420103   8,799 72 SH   SOLE   0 0 72
Apple Computer Inc COM 037833100   287,992 1,679 SH   SOLE   0 0 1,679
ARK Genomic Revolution ETF GENOMIC REV ETF 00214Q302   21,254 739 SH   SOLE   0 0 739
ARK Innovation ETF INNOVATION ETF 00214Q104   571,488 11,411 SH   SOLE   0 0 11,411
Artisan Partners Asset Mgmt Inc CL A 04316A108   4,943 108 SH   SOLE   0 0 108
Axcelis Technologies Inc COM NEW 054540208   5,688 51 SH   SOLE   0 0 51
Bank Of America Corp COM 060505104   22,752 600 SH   SOLE   0 0 600
Berkshire Hathaway Cl B CL B NEW 084670702   89,571 213 SH   SOLE   0 0 213
BIRKENSTOCK HOLDING ORD COM SHS M2029K104   23,625 500 SH   SOLE   0 0 500
Boeing Co COM 097023105   53,072 275 SH   SOLE   0 0 275
Boston Scientific Corp COM 101137107   2,329 34 SH   SOLE   0 0 34
Broadcom Ltd COM 11135F101   29,159 22 SH   SOLE   0 0 22
Cardinal Health Inc COM 14149Y108   21,261 190 SH   SOLE   0 0 190
Carnival Corp New UNIT 143658300   26,471 1,620 SH   SOLE   0 0 1,620
Carrier Global Corp-Wi COM 14448C104   121,965 2,098 SH   SOLE   0 0 2,098
Check Point Software Technologies Ltd ORD M22465104   4,756 29 SH   SOLE   0 0 29
Chevron Corporation COM 166764100   57,575 365 SH   SOLE   0 0 365
Cisco Systems Inc COM 17275R102   16,221 325 SH   SOLE   0 0 325
Citigroup Inc COM NEW 172967424   15,810 250 SH   SOLE   0 0 250
Coca-Cola Company COM 191216100   39,767 650 SH   SOLE   0 0 650
Conocophillips COM 20825C104   31,184 245 SH   SOLE   0 0 245
CONSTELLATION ENERGY ORD WI COM 21037T109   21,443 116 SH   SOLE   0 0 116
Costco Wholesale Corp COM 22160K105   93,044 127 SH   SOLE   0 0 127
Dell Computer Corp CL C 24703L202   8,216 72 SH   SOLE   0 0 72
Disney Walt Co COM 254687106   16,649 136 SH   SOLE   0 0 136
ENOVIX Corp COM 293594107   120,711 15,070 SH   SOLE   0 0 15,070
Exelon Corporation COM 30161N101   13,150 350 SH   SOLE   0 0 350
FIDELITY ENHANCED LARGE CAP ETF ENHANCED LARGE 31609A305   170,710 5,777 SH   SOLE   0 0 5,777
Fidelity Total Bond ETF TOTAL BD ETF 316188309   43,211 954 SH   OTR 1 0 0 954
Flextronics International Ltd ORD Y2573F102   37,908 1,325 SH   SOLE   0 0 1,325
FRANKLIN RESOURCES COM 354613101   18,272 650 SH   SOLE   0 0 650
FTC Solar Inc COM 30320C103   5,558 10,311 SH   SOLE   0 0 10,311
Generac Holdings Inc COM 368736104   72,909 578 SH   SOLE   0 0 578
Global X Robotics & Artfcl Intllgnc ETF RBTCS ARTFL INTE 37954Y715   53,441 1,680 SH   SOLE   0 0 1,680
Global X US Infrastructure Dev ETF US INFR DEV ETF 37954Y673   38,889 977 SH   SOLE   0 0 977
Goldman Sachs Group Inc COM 38141G104   41,769 100 SH   SOLE   0 0 100
GOOGLE INC CAP STK CL C 02079K107   12,790 84 SH   SOLE   0 0 84
Google Inc Class A CAP STK CL A 02079K305   45,279 300 SH   SOLE   0 0 300
Harley Davidson, Inc. COM 412822108   7,894 180 SH   SOLE   0 0 180
Hartford Total Return Bond ETF TOTALETF 41653L305   39,365 1,167 SH   OTR 1 0 0 1,167
Home Depot Inc COM 437076102   23,783 62 SH   SOLE   0 0 62
Honeywell International COM 438516106   34,893 170 SH   SOLE   0 0 170
Intel Corp COM 458140100   12,147 275 SH   SOLE   0 0 275
International Business Machines Corp COM 459200101   52,514 275 SH   SOLE   0 0 275
Invesco NASDAQ 100 ETF NASDAQ 100 ETF 46138G649   61,494 337 SH   SOLE   0 0 337
Invesco QQQ Trust ETF UNIT SER 1 46090E103   915,794 2,063 SH   SOLE   0 0 2,063
Invesco S&P 500 GARP ETF S&P 500 46137V431   5,963 56 SH   SOLE   0 0 56
Invesco S&P MidCap 400 Revenue ETF S&P MDCP 400 REV 46138G672   1,957 17 SH   SOLE   0 0 17
Invesco S&P SmallCap Health Care ETF S&P SMLCP HELT 46138E149   83,850 1,917 SH   SOLE   0 0 1,917
iShares 0-5 Year High Yield Corp Bond ETF 0-5YR HI YL CP 46434V407   37,048 871 SH   SOLE   0 0 871
iShares Core MSCI EAFE ETF CORE 46432F842   181,517 2,446 SH   SOLE   0 0 2,446
iShares Core S&P 500 ETF CORE S&P500 ETF 464287200   574,097 1,092 SH   SOLE   0 0 1,092
iShares Core S&P Mid-Cap ETF CORE S&P MCP ETF 464287507   6,074,819 100,013 SH   SOLE   0 0 100,013
iShares Core S&P Small-Cap ETF CORE S&P SCP ETF 464287804   96,710 875 SH   SOLE   0 0 875
iShares Currency Hedged MSCI EAFE ETF HDG MSCI EAFE 46434V803   3,174 91 SH   SOLE   0 0 91
iShares ESG Advanced MSCI EAFE ETF ESG EAFE ETF 46436E759   15,021 220 SH   SOLE   0 0 220
iShares Global 100 ETF GLOBAL 100 ETF 464287572   30,221 338 SH   SOLE   0 0 338
iShares Global Tech ETF GLOBAL TECH ETF 464287291   275,216 3,679 SH   SOLE   0 0 3,679
iShares MSCI EAFE Growth ETF EAFE GRWTH ETF 464288885   62,718 604 SH   SOLE   0 0 604
iShares MSCI EAFE Value ETF EAFE VALUE ETF 464288877   32,640 600 SH   SOLE   0 0 600
iShares MSCI USA Quality Factor ETF MSCI 46432F339   59,960 365 SH   SOLE   0 0 365
iShares Russell 1000 Growth ETF RUS 1000 GRW ETF 464287614   531,151 1,576 SH   SOLE   0 0 1,576
iShares Russell 1000 Value ETF RUS 1000 VAL ETF 464287598   32,956 184 SH   SOLE   0 0 184
iShares Russell 2000 ETF RUSSELL 2000 ETF 464287655   30,469 145 SH   SOLE   0 0 145
iShares Russell 2000 Growth ETF RUS 2000 GRW ETF 464287648   295,443 1,091 SH   SOLE   0 0 1,091
iShares Russell Mid-Cap ETF RUS MID CAP ETF 464287499   526,656 6,263 SH   SOLE   0 0 6,263
iShares Russell Mid-Cap Growth ETF RUS MD CP GR ETF 464287481   698,423 6,119 SH   SOLE   0 0 6,119
iShares Russell Mid-Cap Value ETF RUS MDCP VAL ETF 464287473   371,729 2,966 SH   SOLE   0 0 2,966
iShares S&P 100 ETF S&P 100 ETF 464287101   742 3 SH   SOLE   0 0 3
iShares S&P Small-Cap 600 Value ETF SP SMCP600VL ETF 464287879   23,536 229 SH   SOLE   0 0 229
iShares Silver Trust ISHARES 46428Q109   23,546 1,035 SH   SOLE   0 0 1,035
iShares US Tech Independence Focused ETF U.S. TECH INDEPD 46431W648   54,363 768 SH   SOLE   0 0 768
iShares US Technology ETF U.S. TECH ETF 464287721   29,443 218 SH   SOLE   0 0 218
J P Morgan Chase & Co COM 46625H100   34,051 170 SH   SOLE   0 0 170
Jabil Inc COM 466313103   60,278 450 SH   SOLE   0 0 450
Kirby Corp COM 497266106   21,447 225 SH   SOLE   0 0 225
Kyndryl Holdings Inc COMMON STOCK 50155Q100   1,197 55 SH   SOLE   0 0 55
Lockheed Martin Corp COM 539830109   45,487 100 SH   SOLE   0 0 100
Marathon Digital Holdings Inc COM 565788106   151,692 6,718 SH   SOLE   0 0 6,718
Matthews EM Discovery Active ETF EMERGING MKT DIS 577125743   1,179,732 46,696 SH   SOLE   0 0 46,696
Meta Platforms Inc Class A CL A 30303M102   89,832 185 SH   SOLE   0 0 185
Microchip Technology Inc COM 595017104   44,855 500 SH   SOLE   0 0 500
Microsoft Corp COM 594918104   58,624 139 SH   SOLE   0 0 139
NEXTracker Inc COM 65290E101   12,942 230 SH   SOLE   0 0 230
Nuveen ESG Small-Cap ETF NUVEEN ESG SMLCP 67092P607   25,936 624 SH   SOLE   0 0 624
Nvidia Corp COM 67066G104   414,734 459 SH   SOLE   0 0 459
Paypal Holdings Inco COM 70450Y103   3,751 56 SH   SOLE   0 0 56
PHILLIPS 66 INC COMMON STOCK COM 718546104   18,784 115 SH   SOLE   0 0 115
Qualcomm Inc COM 747525103   37,246 220 SH   SOLE   0 0 220
Royal Caribbean Cruisesf COM V7780T103   41,703 300 SH   SOLE   0 0 300
Salesforce Com COM 79466L302   108,425 360 SH   SOLE   0 0 360
Schwab 1000 Index ETF 1000 INDEX ETF 808524722   1,592,856 31,436 SH   SOLE   0 0 31,436
Schwab Emerging Markets Equity ETF EMRG MKTEQ ETF 808524706   302,624 11,985 SH   SOLE   0 0 11,985
Schwab International Equity ETF INTL EQTY ETF 808524805   340,716 8,732 SH   SOLE   0 0 8,732
Schwab International Small-Cap Eq ETF INTL SCEQT ETF 808524888   150,790 4,212 SH   SOLE   0 0 4,212
Schwab US Broad Market ETF US BRD MKT ETF 808524102   146,555 2,401 SH   SOLE   0 0 2,401
Schwab US Dividend Equity ETF US DIVIDEND EQ 808524797   34,950,293 433,465 SH   SOLE   0 0 433,465
Schwab US Large-Cap ETF US LRG CAP ETF 808524201   27,473,025 442,685 SH   SOLE   0 0 442,685
Schwab US Large-Cap Growth ETF US LCAP GR ETF 808524300   23,317,092 251,479 SH   SOLE   0 0 251,479
Schwab US Mid-Cap ETF US MID-CAP ETF 808524508   13,571,108 166,660 SH   SOLE   0 0 166,660
Schwab US Small-Cap ETF US SML CAP ETF 808524607   287,145 5,832 SH   SOLE   0 0 5,832
Schwab US TIPS ETF US TIPS ETF 808524870   21,869 419 SH   OTR 1 0 0 419
Sector SPDR - Financial FINANCIAL 81369Y605   376,721 8,944 SH   SOLE   0 0 8,944
Sector SPDR - Technology TECHNOLOGY 81369Y803   40,018 192 SH   SOLE   0 0 192
Southwest Airlines Co COM 844741108   5,838 200 SH   SOLE   0 0 200
SPDR Portfolio Developed World ex-US ETF PORTFOLIO DEVLPD 78463X889   358,615 10,006 SH   SOLE   0 0 10,006
SPDR Portfolio Short Term Corporate Bond ETF PORTFOLIO SHORT 78464A474   53,457 1,796 SH   OTR 1 0 0 1,796
SPDR S&P 500 ETF TR UNIT 78462F103   263,051 503 SH   SOLE   0 0 503
SPDR S&P 600 Small Cap Value ETF S&P 600 SMCP VAL 78464A300   31,031 374 SH   SOLE   0 0 374
SPDR S&P Global Dividend ETF S&P GLBDIV ETF 78463X459   185,098 3,086 SH   SOLE   0 0 3,086
SPDR S&P Mid Cap 400 ETF UTSER1 S&PDCRP 78467Y107   28,933 52 SH   SOLE   0 0 52
Spirit AeroSystems Holdings Inc COM CL A 848574109   20,740 575 SH   SOLE   0 0 575
Square Inc CL A 852234103   1,353 16 SH   SOLE   0 0 16
Starbucks Corp COM 855244109   21,385 234 SH   SOLE   0 0 234
Teck Resources Ltd CL B 878742204   9,843 215 SH   SOLE   0 0 215
Tesla Motors Inc COM 88160R101   8,790 50 SH   SOLE   0 0 50
Teucrium Wheat ETF WHEAT FD 88166A508   13,525 2,500 SH   SOLE   0 0 2,500
Texas Instruments Inc COM 882508104   101,560 583 SH   SOLE   0 0 583
Transocean Inc New REGISTERED SHS H8817H100   11,832 1,884 SH   SOLE   0 0 1,884
Union Pacific Corp COM 907818108   25,823 105 SH   SOLE   0 0 105
UNITED CONTINENTAL HOLDINGS INC COM 910047109   37,107 775 SH   SOLE   0 0 775
United Parcel Service B CL B 911312106   14,863 100 SH   SOLE   0 0 100
Unity Software Inc COM 91332U101   427 16 SH   SOLE   0 0 16
Vanguard 500 ETF S&P 500 ETF SHS 922908363   1,031,835 2,147 SH   SOLE   0 0 2,147
Vanguard Dividend Appreciation ETF DIV APP ETF 921908844   393,435 2,155 SH   SOLE   0 0 2,155
Vanguard ESG US Stock ETF ESG US STK ETF 921910733   62,706 673 SH   SOLE   0 0 673
Vanguard FTSE Developed Markets ETF VAN FTSE DEV MKT 921943858   76,736 1,530 SH   SOLE   0 0 1,530
Vanguard FTSE Emerging Markets ETF FTSE EMR MKT ETF 922042858   75,625 1,811 SH   SOLE   0 0 1,811
Vanguard Growth ETF GROWTH ETF 922908736   133,550 388 SH   SOLE   0 0 388
Vanguard Information Technology ETF INF TECH ETF 92204A702   29,433 56 SH   SOLE   0 0 56
Vanguard Interm-Term Treasury Idx ETF INTER TERM TREAS 92206C706   12,433 212 SH   OTR 1 0 0 212
Vanguard Int'l Dividend Appreciation ETF INTL DVD ETF 921946810   12,294 151 SH   SOLE   0 0 151
Vanguard Mid Cap Growth ETF MCAP GR IDXVIP 922908538   3,301 14 SH   SOLE   0 0 14
Vanguard Mid-Cap ETF MID CAP ETF 922908629   188,427 754 SH   SOLE   0 0 754
Vanguard Total Bond Market ETF TOTAL BND MKT 921937835   7,939 109 SH   SOLE   0 0 109
Vanguard Total Stock Market ETF TOTAL STK MKT 922908769   212,059 816 SH   SOLE   0 0 816
Verizon Communications COM 92343V104   2,200 52 SH   SOLE   0 0 52
WARNER BROS. DISCOVERY SRS A ORD WI COM SER A 934423104   646 74 SH   SOLE   0 0 74
Wisdomtree Midcap US MIDCAP DIVID 97717W505   5,755 118 SH   SOLE   0 0 118