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
Estimated average burden
hours per response: 23.8
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
23ANDME HOLDING CO CLASS A COM 90138Q108   88,299 90,313 SH   SOLE   0 0 90,313
ABBOTT LABS COM 002824100   240,188 2,480 SH   SOLE   0 0 2,480
ABBVIE INC COM 00287Y109   339,112 2,275 SH   SOLE   0 0 2,275
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   464,350 1,512 SH   SOLE   0 0 1,512
ADOBE INC COM 00724F101   407,920 800 SH   SOLE   0 0 800
ADVANCED MICRO DEVICES INC COM 007903107   211,604 2,058 SH   SOLE   0 0 2,058
ALCON AG ORD SHS H01301128   216,230 2,806 SH   SOLE   0 0 2,806
ALKERMES PLC SHS G01767105   238,085 8,500 SH   SOLE   0 0 8,500
ALPHABET INC CAP STK CL C 02079K107   341,492 2,590 SH   SOLE   0 0 2,590
ALPHABET INC CAP STK CL A 02079K305   1,888,964 14,435 SH   SOLE   0 0 14,435
ALPS ETF TR ALERIAN MLP 00162Q452   266,473 6,315 SH   SOLE   0 0 6,314
AMAZON COM INC COM 023135106   2,104,853 16,558 SH   SOLE   0 0 16,558
AMERIPRISE FINL INC COM 03076C106   317,152 962 SH   SOLE   0 0 962
AMGEN INC COM 031162100   258,816 963 SH   SOLE   0 0 963
ANSYS INC COM 03662Q105   286,541 963 SH   SOLE   0 0 963
APOLLO GLOBAL MGMT INC COM 03769M106   278,256 3,100 SH   SOLE   0 0 3,100
APPLE INC COM 037833100   711,891 4,158 SH   SOLE   0 0 4,158
ATMOS ENERGY CORP COM 049560105   218,004 2,058 SH   SOLE   0 0 2,058
AUTODESK INC COM 052769106   238,567 1,153 SH   SOLE   0 0 1,153
BANCO SANTANDER S.A. ADR 05964H105   79,103 21,038 SH   SOLE   0 0 21,038
BLACKSTONE INC COM 09260D107   535,164 4,995 SH   SOLE   0 0 4,995
CAPITAL ONE FINL CORP COM 14040H105   217,877 2,245 SH   SOLE   0 0 2,245
CARLYLE GROUP INC COM 14316J108   276,054 9,153 SH   SOLE   0 0 9,153
CENTRAL SECS CORP COM 155123102   723,251 20,402 SH   SOLE   0 0 20,402
CHIPOTLE MEXICAN GRILL INC COM 169656105   267,447 146 SH   SOLE   0 0 146
COCA COLA CO COM 191216100   213,284 3,810 SH   SOLE   0 0 3,810
COPART INC COM 217204106   232,298 5,391 SH   SOLE   0 0 5,391
CORTEVA INC COM 22052L104   296,830 5,802 SH   SOLE   0 0 5,802
COSTCO WHSL CORP NEW COM 22160K105   474,566 840 SH   SOLE   0 0 840
COTERRA ENERGY INC COM 127097103   224,704 8,307 SH   SOLE   0 0 8,307
DANAHER CORPORATION COM 235851102   312,809 1,261 SH   SOLE   0 0 1,260
FARFETCH LTD ORD SH CL A 30744W107   90,330 43,220 SH   SOLE   0 0 43,220
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302   2,546,578 15,955 SH   SOLE   0 0 15,955
FLEXSHARES TR IBOXX 3R TARGT 33939L506   297,620 12,834 SH   SOLE   0 0 12,834
FLEXSHARES TR MORNSTAR UPSTR 33939L407   673,609 16,657 SH   SOLE   0 0 16,657
FLEXSHARES TR FLEXSHARES ULTRA 33939L886   378,705 5,042 SH   SOLE   0 0 5,042
HONEYWELL INTL INC COM 438516106   203,214 1,100 SH   SOLE   0 0 1,100
INTUIT COM 461202103   346,928 679 SH   SOLE   0 0 679
INTUITIVE SURGICAL INC COM NEW 46120E602   258,677 885 SH   SOLE   0 0 885
INVESCO QQQ TR UNIT SER 1 46090E103   4,138,262 11,551 SH   SOLE   0 0 11,550
ISHARES GOLD TR ISHARES NEW 464285204   292,027 8,346 SH   SOLE   0 0 8,346
ISHARES INC CORE MSCI EMKT 46434G103   477,279 10,029 SH   SOLE   0 0 10,028
ISHARES TR S&P 500 GRWT ETF 464287309   494,809 7,232 SH   SOLE   0 0 7,231
ISHARES TR RUSSELL 2000 ETF 464287655   3,212,005 18,174 SH   SOLE   0 0 18,173
ISHARES TR MSCI INTL VLU FT 46435G409   51,118,784 2,015,725 SH   SOLE   0 0 2,015,724
ISHARES TR MSCI EMG MKT ETF 464287234   7,248,057 190,990 SH   SOLE   0 0 190,989
ISHARES TR MSCI EAFE ETF 464287465   14,014,140 203,339 SH   SOLE   0 0 203,339
ISHARES TR CORE S&P500 ETF 464287200   11,535,536 26,862 SH   SOLE   0 0 26,862
ISHARES TR RUS MID CAP ETF 464287499   6,113,182 88,277 SH   SOLE   0 0 88,277
ISHARES TR MSCI ACWI ETF 464288257   106,239,185 1,150,148 SH   SOLE   0 0 1,150,148
ISHARES TR 3 7 YR TREAS BD 464288661   1,611,733 14,243 SH   SOLE   0 0 14,242
ISHARES TR CORE S&P SCP ETF 464287804   10,669,007 113,103 SH   SOLE   0 0 113,103
ISHARES TR MSCI USA MIN VOL 46429B697   15,015,593 207,455 SH   SOLE   0 0 207,455
ISHARES TR MSCI ACWI EX US 464288240   5,275,990 112,231 SH   SOLE   0 0 112,231
ISHARES TR GRWT ALLOCAT ETF 464289867   442,071 8,947 SH   SOLE   0 0 8,947
ISHARES TR RUSSELL 3000 ETF 464287689   104,683,193 427,174 SH   SOLE   0 0 427,173
ISHARES TR RUS 1000 ETF 464287622   227,239 967 SH   SOLE   0 0 967
ISHARES TR CORE S&P MCP ETF 464287507   14,711,484 58,999 SH   SOLE   0 0 58,999
ISHARES TR SP SMCP600VL ETF 464287879   830,479 9,308 SH   SOLE   0 0 9,308
ISHARES TR CORE US AGGBD ET 464287226   4,099,253 43,591 SH   SOLE   0 0 43,590
ISHARES TR RUS 1000 GRW ETF 464287614   377,083 1,418 SH   SOLE   0 0 1,417
ISHARES TR RUS 1000 VAL ETF 464287598   212,260 1,398 SH   SOLE   0 0 1,398
ISHARES TR CORE DIV GRWTH 46434V621   9,770,706 197,268 SH   SOLE   0 0 197,268
ISHARES TR CORE MSCI EAFE 46432F842   8,782,842 136,486 SH   SOLE   0 0 136,485
ISHARES TR NATIONAL MUN ETF 464288414   208,746 2,036 SH   SOLE   0 0 2,035
JOHNSON & JOHNSON COM 478160104   292,343 1,877 SH   SOLE   500 0 1,377
LAM RESEARCH CORP COM 512807108   204,954 327 SH   SOLE   0 0 327
LENNAR CORP CL A 526057104   287,421 2,561 SH   SOLE   0 0 2,561
LINDE PLC SHS G54950103   257,294 691 SH   SOLE   0 0 691
LIVEONE INC COM 53814X102   35,860 37,503 SH   SOLE   0 0 37,503
LOWES COS INC COM 548661107   224,225 1,079 SH   SOLE   0 0 1,078
MARQETA INC CLASS A COM 57142B104   163,697 27,374 SH   SOLE   0 0 27,374
MARTIN MARIETTA MATLS INC COM 573284106   412,943 1,006 SH   SOLE   0 0 1,006
MASTERCARD INCORPORATED CL A 57636Q104   895,944 2,263 SH   SOLE   0 0 2,263
MERCK & CO INC COM 58933Y105   247,286 2,402 SH   SOLE   0 0 2,402
MICROCHIP TECHNOLOGY INC. COM 595017104   278,795 3,572 SH   SOLE   0 0 3,572
MICROSOFT CORP COM 594918104   2,558,838 8,104 SH   SOLE   0 0 8,104
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   167,686 19,751 SH   SOLE   0 0 19,751
MONSTER BEVERAGE CORP NEW COM 61174X109   230,525 4,354 SH   SOLE   0 0 4,353
NVIDIA CORPORATION COM 67066G104   619,143 1,423 SH   SOLE   0 0 1,423
ONEMAIN HLDGS INC COM 68268W103   778,628 19,422 SH   SOLE   0 0 19,422
OREILLY AUTOMOTIVE INC COM 67103H107   233,577 257 SH   SOLE   0 0 257
OSCAR HEALTH INC CL A 687793109   90,312 16,214 SH   SOLE   0 0 16,214
PALO ALTO NETWORKS INC COM 697435105   263,150 1,122 SH   SOLE   0 0 1,122
PARKER-HANNIFIN CORP COM 701094104   353,295 907 SH   SOLE   0 0 907
PROCTER AND GAMBLE CO COM 742718109   216,310 1,483 SH   SOLE   0 0 1,483
QUALCOMM INC COM 747525103   202,907 1,827 SH   SOLE   0 0 1,827
RPM INTL INC COM 749685103   216,356 2,282 SH   SOLE   0 0 2,282
SALESFORCE INC COM 79466L302   306,603 1,512 SH   SOLE   0 0 1,512
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   79,421,266 1,593,205 SH   SOLE   0 0 1,593,204
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   7,460,926 311,651 SH   SOLE   0 0 311,651
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   12,005,641 353,523 SH   SOLE   0 0 353,523
SERVICENOW INC COM 81762P102   271,655 486 SH   SOLE   0 0 486
SHOPIFY INC CL A 82509L107   275,579 5,050 SH   SOLE   0 0 5,050
SONY GROUP CORP SPONSORED ADR 835699307   223,166 2,708 SH   SOLE   0 0 2,708
SPDR S&P 500 ETF TR TR UNIT 78462F103   77,218,515 180,637 SH   SOLE   0 0 180,636
SPDR SER TR PRTFLO S&P500 GW 78464A409   32,008,649 539,957 SH   SOLE   0 0 539,956
SPDR SER TR S&P BIOTECH 78464A870   1,749,361 23,957 SH   SOLE   0 0 23,957
UNITEDHEALTH GROUP INC COM 91324P102   607,045 1,204 SH   SOLE   0 0 1,204
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201   326,316 7,399 SH   SOLE   0 0 7,399
VANGUARD INDEX FDS TOTAL STK MKT 922908769   56,057,561 263,912 SH   SOLE   0 0 263,912
VANGUARD INDEX FDS VALUE ETF 922908744   74,815,709 542,418 SH   SOLE   0 0 542,417
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   6,438,971 85,104 SH   SOLE   0 0 85,104
VANGUARD INDEX FDS GROWTH ETF 922908736   294,917 1,083 SH   SOLE   0 0 1,083
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   688,951 17,571 SH   SOLE   0 0 17,570
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   2,049,316 42,605 SH   SOLE   0 0 42,605
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   216,143 3,752 SH   SOLE   0 0 3,752
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   779,684 11,753 SH   SOLE   0 0 11,752
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   13,585,742 310,744 SH   SOLE   0 0 310,744
VISA INC COM CL A 92826C839   219,194 953 SH   SOLE   0 0 952
VULCAN MATLS CO COM 929160109   525,252 2,600 SH   SOLE   0 0 2,600
XYLEM INC COM 98419M100   207,093 2,275 SH   SOLE   0 0 2,275
ZOETIS INC CL A 98978V103   286,580 1,647 SH   SOLE   0 0 1,647