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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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109 671 4,955 SH   SOLE   4,955 0 0
ADVANCED MICRO DEVICES INC COM 007903107 231 1,605 SH   SOLE   1,605 0 0
ALPHABET INC CAP STK CL A 02079K305 1,388 479 SH   SOLE   479 0 0
ALPHABET INC CAP STK CL C 02079K107 703 243 SH   SOLE   243 0 0
AMAZON COM INC COM 023135106 5,518 1,655 SH   SOLE   1,655 0 0
APPLE INC COM 037833100 16,821 94,726 SH   SOLE   94,726 0 0
AT&T INC COM 00206R102 204 8,310 SH   SOLE   8,310 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 935 3,127 SH   SOLE   3,127 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 451 1 SH   SOLE   1 0 0
BOEING CO COM 097023105 423 2,101 SH   SOLE   2,100 0 0
CALADRIUS BIOSCIENCES INC COM NEW 128058203 9 10,434 SH   SOLE   10,434 0 0
COCA COLA CO COM 191216100 576 9,723 SH   SOLE   9,722 0 0
COSTCO WHSL CORP NEW COM 22160K105 4,283 7,545 SH   SOLE   7,545 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 419,209 8,821,747 SH   SOLE   8,821,747 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 318,596 6,162,397 SH   SOLE   6,162,396 0 0
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 118,897 3,622,699 SH   SOLE   3,622,699 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 2,655 91,638 SH   SOLE   91,637 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 337 10,211 SH   SOLE   10,211 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 411,892 6,866,013 SH   SOLE   6,866,013 0 0
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808 651 10,684 SH   SOLE   10,683 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 736 1,923 SH   SOLE   1,923 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 206 573 SH   SOLE   573 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 350 9,506 SH   SOLE   9,506 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 227 1,397 SH   SOLE   1,396 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 220 1,149 SH   SOLE   1,149 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 479 1,204 SH   SOLE   1,204 0 0
ISHARES INC CORE MSCI EMKT 46434G103 882 14,735 SH   SOLE   14,734 0 0
ISHARES INC EM MKT SM-CP ETF 464286475 414 6,871 SH   SOLE   6,870 0 0
ISHARES TR CORE S&P500 ETF 464287200 4,815 10,096 SH   SOLE   10,095 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,491 13,021 SH   SOLE   13,020 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 1,435 11,154 SH   SOLE   11,154 0 0
ISHARES TR CORE S&P TTL STK 464287150 1,107 10,348 SH   SOLE   10,348 0 0
ISHARES TR EAFE SML CP ETF 464288273 796 10,890 SH   SOLE   10,890 0 0
ISHARES TR MSCI INTL SML CP 46434V266 705 19,456 SH   SOLE   19,456 0 0
ISHARES TR MSCI INTL VLU FT 46435G409 692 27,191 SH   SOLE   27,191 0 0
ISHARES TR MSCI EAFE ETF 464287465 496 6,300 SH   SOLE   6,300 0 0
ISHARES TR SP SMCP600VL ETF 464287879 481 4,607 SH   SOLE   4,607 0 0
ISHARES TR EAFE VALUE ETF 464288877 296 5,880 SH   SOLE   5,880 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 280 1,667 SH   SOLE   1,667 0 0
ISHARES TR COHEN STEER REIT 464287564 213 2,800 SH   SOLE   2,800 0 0
ISHARES TR RESIDENTIAL MULT 464288562 203 2,071 SH   SOLE   2,071 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 252 5,000 SH   SOLE   5,000 0 0
JACOBS ENGR GROUP INC COM 469814107 1,465 10,525 SH   SOLE   10,525 0 0
JEFFERIES FINL GROUP INC COM 47233W109 402 10,350 SH   SOLE   10,350 0 0
JOHNSON & JOHNSON COM 478160104 1,537 8,982 SH   SOLE   8,981 0 0
JPMORGAN CHASE & CO COM 46625H100 711 4,491 SH   SOLE   4,491 0 0
META PLATFORMS INC CL A 30303M102 652 1,939 SH   SOLE   1,939 0 0
MICROSOFT CORP COM 594918104 3,046 9,056 SH   SOLE   9,055 0 0
NUVEEN MUN HIGH INCOME OPPOR COM 670682103 1,002 66,253 SH   SOLE   66,252 0 0
NVIDIA CORPORATION COM 67066G104 503 1,711 SH   SOLE   1,710 0 0
ORACLE CORP COM 68389X105 213 2,447 SH   SOLE   2,446 0 0
PEPSICO INC COM 713448108 551 3,172 SH   SOLE   3,172 0 0
PPG INDS INC COM 693506107 388 2,252 SH   SOLE   2,251 0 0
PROVIDENT FINL SVCS INC COM 74386T105 445 18,362 SH   SOLE   18,362 0 0
SCHWAB CHARLES CORP COM 808513105 354 4,214 SH   SOLE   4,214 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 3,721 32,688 SH   SOLE   32,687 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,711 15,140 SH   SOLE   15,140 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,199 23,575 SH   SOLE   23,575 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 951 23,243 SH   SOLE   23,242 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 831 8,119 SH   SOLE   8,118 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 599 19,343 SH   SOLE   19,343 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 450 11,586 SH   SOLE   11,585 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 439 8,146 SH   SOLE   8,145 0 0
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 326 7,000 SH   SOLE   7,000 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 270 9,127 SH   SOLE   9,127 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 212 3,614 SH   SOLE   3,614 0 0
SOC TELEMED INC COM CL A 78472F101 84 65,513 SH   SOLE   65,513 0 0
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 591 9,971 SH   SOLE   9,971 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,564 5,398 SH   SOLE   5,397 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 1,454 34,627 SH   SOLE   34,626 0 0
STARBUCKS CORP COM 855244109 919 7,853 SH   SOLE   7,853 0 0
STRYKER CORPORATION COM 863667101 231 864 SH   SOLE   864 0 0
TESLA INC COM 88160R101 788 746 SH   SOLE   746 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 283 424 SH   SOLE   424 0 0
TRUIST FINL CORP COM 89832Q109 405 6,912 SH   SOLE   6,912 0 0
UNION PAC CORP COM 907818108 286 1,137 SH   SOLE   1,137 0 0
UNITED PARCEL SERVICE INC CL B 911312106 227 1,058 SH   SOLE   1,058 0 0
UNITEDHEALTH GROUP INC COM 91324P102 445 887 SH   SOLE   887 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 23,226 274,054 SH   SOLE   274,054 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 286 3,533 SH   SOLE   3,533 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 6,328 26,210 SH   SOLE   26,209 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 5,435 24,047 SH   SOLE   24,046 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 3,718 20,787 SH   SOLE   20,787 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 2,690 10,559 SH   SOLE   10,559 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,069 13,761 SH   SOLE   13,761 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 1,478 10,045 SH   SOLE   10,044 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 941 8,115 SH   SOLE   8,115 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 772 1,768 SH   SOLE   1,768 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 279 1,263 SH   SOLE   1,262 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 987 16,111 SH   SOLE   16,110 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 972 9,050 SH   SOLE   9,049 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 449 9,080 SH   SOLE   9,079 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,896 23,335 SH   SOLE   23,334 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 441 8,643 SH   SOLE   8,643 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 709 6,320 SH   SOLE   6,320 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 487 2,899 SH   SOLE   2,898 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 229 4,406 SH   SOLE   4,406 0 0
VISA INC COM CL A 92826C839 1,011 4,664 SH   SOLE   4,664 0 0