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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 354 2,734 SH   SOLE   0 0 2,734
ABBOTT LABS COM 002824100 247 2,272 SH   SOLE   0 0 2,272
ABBVIE INC COM 00287Y109 222 1,449 SH   SOLE   0 0 1,449
ABRDN ASIA PACIFIC INCOME FU COM 003009107 88 30,000 SH   SOLE   0 0 30,000
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 261 939 SH   SOLE   0 0 939
ALPHABET INC CAP STK CL A 02079K305 516 237 SH   SOLE   0 0 237
ALPHABET INC CAP STK CL C 02079K107 510 233 SH   SOLE   0 0 233
AMAZON COM INC COM 023135106 1,667 15,700 SH   SOLE   0 0 15,700
AMERICAN EXPRESS CO COM 025816109 348 2,513 SH   SOLE   0 0 2,513
AMERICAN TOWER CORP NEW COM 03027X100 610 2,386 SH   SOLE   0 0 2,386
APPLE INC COM 037833100 7,858 57,478 SH   SOLE   0 0 57,478
BANK MONTREAL QUE COM 063671101 213 2,220 SH   SOLE   0 0 2,220
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,187 8,012 SH   SOLE   0 0 8,012
CATERPILLAR INC COM 149123101 336 1,878 SH   SOLE   0 0 1,878
CHUBB LIMITED COM H1467J104 1,456 7,407 SH   SOLE   0 0 7,407
CISCO SYS INC COM 17275R102 273 6,409 SH   SOLE   0 0 6,409
DANAHER CORPORATION COM 235851102 827 3,260 SH   SOLE   0 0 3,260
DEERE & CO COM 244199105 299 1,000 SH   SOLE   0 0 1,000
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 5,119 227,525 SH   SOLE   0 0 227,525
ENBRIDGE INC COM 29250N105 287 6,794 SH   SOLE   0 0 6,794
EXXON MOBIL CORP COM 30231G102 522 6,091 SH   SOLE   0 0 6,091
FLEXSHARES TR HIG YLD VL ETF 33939L662 17,604 435,852 SH   SOLE   0 0 435,852
FLEXSHARES TR QLT DIV DEF IDX 33939L845 3,087 61,725 SH   SOLE   0 0 61,725
FLEXSHARES TR INTL QLTDV DEF 33939L811 842 43,659 SH   SOLE   0 0 43,659
FLEXSHARES TR STOXX GLOBR INF 33939L795 822 15,899 SH   SOLE   0 0 15,899
FLEXSHARES TR MORNSTAR UPSTR 33939L407 330 8,325 SH   SOLE   0 0 8,325
FORD MTR CO DEL COM 345370860 151 13,595 SH   SOLE   0 0 13,595
GLOBAL X FDS US INFR DEV ETF 37954Y673 3,400 149,317 SH   SOLE   0 0 149,317
GOLDMAN SACHS GROUP INC COM 38141G104 261 879 SH   SOLE   0 0 879
INTEL CORP COM 458140100 788 21,075 SH   SOLE   0 0 21,075
INTUIT COM 461202103 1,221 3,168 SH   SOLE   0 0 3,168
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 7,543 56,193 SH   SOLE   0 0 56,193
INVESCO QQQ TR UNIT SER 1 46090E103 913 3,256 SH   SOLE   0 0 3,256
INVESCO SR INCOME TR COM 46131H107 63 16,223 SH   SOLE   0 0 16,223
ISHARES INC MSCI EMRG CHN 46434G764 1,830 38,315 SH   SOLE   0 0 38,315
ISHARES INC EM MKTS DIV ETF 464286319 476 17,903 SH   SOLE   0 0 17,903
ISHARES INC ESG AWR MSCI EM 46434G863 530 16,410 SH   SOLE   0 0 16,410
ISHARES INC CORE MSCI EMKT 46434G103 312 6,355 SH   SOLE   0 0 6,355
ISHARES TR EXPONENTIAL TECH 46434V381 1,632 34,046 SH   SOLE   0 0 34,046
ISHARES TR ESG AWR MSCI USA 46435G425 1,594 18,999 SH   SOLE   0 0 18,999
ISHARES TR S&P 500 GRWT ETF 464287309 938 15,538 SH   SOLE   0 0 15,538
ISHARES TR CORE US AGGBD ET 464287226 1,322 13,006 SH   SOLE   0 0 13,006
ISHARES TR ESG AWRE 1 5 YR 46435G243 311 12,914 SH   SOLE   0 0 12,914
ISHARES TR ESG AWR US AGRGT 46435U549 502 10,262 SH   SOLE   0 0 10,262
ISHARES TR ESG AW MSCI EAFE 46435G516 588 9,371 SH   SOLE   0 0 9,371
ISHARES TR RUS MID CAP ETF 464287499 531 8,208 SH   SOLE   0 0 8,208
ISHARES TR MSCI EMG MKT ETF 464287234 268 6,694 SH   SOLE   0 0 6,694
ISHARES TR MSCI EAFE ETF 464287465 221 3,539 SH   SOLE   0 0 3,539
ISHARES TR 0-5 YR TIPS ETF 46429B747 337 3,325 SH   SOLE   0 0 3,325
ISHARES TR RUS 1000 GRW ETF 464287614 552 2,523 SH   SOLE   0 0 2,523
ISHARES TR RUSSELL 2000 ETF 464287655 426 2,515 SH   SOLE   0 0 2,515
ISHARES TR TIPS BD ETF 464287176 271 2,376 SH   SOLE   0 0 2,376
ISHARES TR 3 7 YR TREAS BD 464288661 282 2,364 SH   SOLE   0 0 2,364
ISHARES TR RUS 1000 VAL ETF 464287598 265 1,827 SH   SOLE   0 0 1,827
ISHARES TR RUS 2000 VAL ETF 464287630 210 1,539 SH   SOLE   0 0 1,539
ISHARES TR CORE S&P500 ETF 464287200 485 1,278 SH   SOLE   0 0 1,278
ISHARES TR US HLTHCARE ETF 464287762 262 975 SH   SOLE   0 0 975
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 32,599 650,811 SH   SOLE   0 0 650,811
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 21,415 575,063 SH   SOLE   0 0 575,063
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 362 7,149 SH   SOLE   0 0 7,149
JOHNSON & JOHNSON COM 478160104 594 3,348 SH   SOLE   0 0 3,348
JPMORGAN CHASE & CO COM 46625H100 771 6,843 SH   SOLE   0 0 6,843
LINDE PLC SHS G5494J103 631 2,195 SH   SOLE   0 0 2,195
MARSH & MCLENNAN COS INC COM 571748102 495 3,190 SH   SOLE   0 0 3,190
MASTERCARD INCORPORATED CL A 57636Q104 464 1,472 SH   SOLE   0 0 1,472
MCDONALDS CORP COM 580135101 271 1,099 SH   SOLE   0 0 1,099
META PLATFORMS INC CL A 30303M102 397 2,462 SH   SOLE   0 0 2,462
MICROSOFT CORP COM 594918104 3,294 12,826 SH   SOLE   0 0 12,826
NEXTERA ENERGY INC COM 65339F101 433 5,584 SH   SOLE   0 0 5,584
NORFOLK SOUTHN CORP COM 655844108 392 1,723 SH   SOLE   0 0 1,723
NOVO-NORDISK A S ADR 670100205 286 2,565 SH   SOLE   0 0 2,565
ORACLE CORP COM 68389X105 227 3,255 SH   SOLE   0 0 3,255
PEPSICO INC COM 713448108 206 1,236 SH   SOLE   0 0 1,236
PFIZER INC COM 717081103 295 5,627 SH   SOLE   0 0 5,627
PROCTER AND GAMBLE CO COM 742718109 652 4,532 SH   SOLE   0 0 4,532
RAYTHEON TECHNOLOGIES CORP COM 75513E101 416 4,326 SH   SOLE   0 0 4,326
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,938 91,884 SH   SOLE   0 0 91,884
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3,668 82,994 SH   SOLE   0 0 82,994
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,196 38,039 SH   SOLE   0 0 38,039
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 567 22,354 SH   SOLE   0 0 22,354
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 371 11,868 SH   SOLE   0 0 11,868
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 552 11,216 SH   SOLE   0 0 11,216
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 457 9,545 SH   SOLE   0 0 9,545
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 806 25,636 SH   SOLE   0 0 25,636
SELECT SECTOR SPDR TR ENERGY 81369Y506 688 9,616 SH   SOLE   0 0 9,616
SOUTHERN CO COM 842587107 373 5,236 SH   SOLE   0 0 5,236
SPDR S&P 500 ETF TR TR UNIT 78462F103 8,412 22,298 SH   SOLE   0 0 22,298
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 320 775 SH   SOLE   0 0 775
SPDR SER TR PORTFOLIO SH TSR 78468R101 818 27,764 SH   SOLE   0 0 27,764
SPDR SER TR PORTFOLIO SHORT 78464A474 493 16,593 SH   SOLE   0 0 16,593
SPDR SER TR S&P DIVID ETF 78464A763 904 7,613 SH   SOLE   0 0 7,613
STARBUCKS CORP COM 855244109 249 3,258 SH   SOLE   0 0 3,258
TESLA INC COM 88160R101 859 1,275 SH   SOLE   0 0 1,275
TEXAS INSTRS INC COM 882508104 350 2,275 SH   SOLE   0 0 2,275
UNION PAC CORP COM 907818108 709 3,324 SH   SOLE   0 0 3,324
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 7,819 101,821 SH   SOLE   0 0 101,821
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 5,362 71,242 SH   SOLE   0 0 71,242
VANGUARD BD INDEX FDS INTERMED TERM 921937819 895 11,523 SH   SOLE   0 0 11,523
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 17,447 191,498 SH   SOLE   0 0 191,498
VANGUARD INDEX FDS TOTAL STK MKT 922908769 32,917 174,513 SH   SOLE   0 0 174,513
VANGUARD INDEX FDS VALUE ETF 922908744 4,227 32,053 SH   SOLE   0 0 32,053
VANGUARD INDEX FDS MID CAP ETF 922908629 4,499 22,841 SH   SOLE   0 0 22,841
VANGUARD INDEX FDS GROWTH ETF 922908736 2,048 9,188 SH   SOLE   0 0 9,188
VANGUARD INDEX FDS SMALL CP ETF 922908751 867 4,924 SH   SOLE   0 0 4,924
VANGUARD INDEX FDS LARGE CAP ETF 922908637 740 4,291 SH   SOLE   0 0 4,291
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,179 244,392 SH   SOLE   0 0 244,392
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 4,486 89,507 SH   SOLE   0 0 89,507
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 299 4,894 SH   SOLE   0 0 4,894
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 368 4,599 SH   SOLE   0 0 4,599
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 14,701 360,327 SH   SOLE   0 0 360,327
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 881 8,666 SH   SOLE   0 0 8,666
VERIZON COMMUNICATIONS INC COM 92343V104 272 5,352 SH   SOLE   0 0 5,352
VISA INC COM CL A 92826C839 583 2,963 SH   SOLE   0 0 2,963
WALMART INC COM 931142103 697 5,732 SH   SOLE   0 0 5,732