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
3M CO COM 88579Y101   274,127 2,608 SH   SOLE   0 0 2,608
ABBOTT LABS COM 002824100   258,755 2,555 SH   SOLE   0 0 2,555
ABBVIE INC COM 00287Y109   219,931 1,380 SH   SOLE   0 0 1,380
ABRDN ASIA PACIFIC INCOME FU COM 003009107   79,800 30,000 SH   SOLE   0 0 30,000
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   261,247 914 SH   SOLE   0 0 914
ALPHABET INC CAP STK CL A 02079K305   925,998 8,927 SH   SOLE   0 0 8,927
ALPHABET INC CAP STK CL C 02079K107   597,064 5,741 SH   SOLE   0 0 5,741
AMAZON COM INC COM 023135106   2,051,753 19,864 SH   SOLE   0 0 19,864
AMERICAN CENTY ETF TR US EQT ETF 025072885   2,671,468 37,690 SH   SOLE   0 0 37,690
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   1,369,519 24,014 SH   SOLE   0 0 24,014
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   1,313,365 24,832 SH   SOLE   0 0 24,832
AMERICAN CENTY ETF TR US SML CP VALU 025072877   223,810 3,022 SH   SOLE   0 0 3,022
AMERICAN EXPRESS CO COM 025816109   438,108 2,656 SH   SOLE   0 0 2,656
AMERICAN TOWER CORP NEW COM 03027X100   396,011 1,938 SH   SOLE   0 0 1,938
APPLE INC COM 037833100   9,656,690 58,561 SH   SOLE   0 0 58,561
AT&T INC COM 00206R102   194,441 10,101 SH   SOLE   0 0 10,101
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,831,113 9,169 SH   SOLE   0 0 9,169
BP PLC SPONSORED ADR 055622104   256,392 6,758 SH   SOLE   0 0 6,758
CATERPILLAR INC COM 149123101   436,170 1,906 SH   SOLE   0 0 1,906
CHEVRON CORP NEW COM 166764100   237,797 1,457 SH   SOLE   0 0 1,457
CHUBB LIMITED COM H1467J104   1,450,137 7,468 SH   SOLE   0 0 7,468
CISCO SYS INC COM 17275R102   322,619 6,172 SH   SOLE   0 0 6,172
COSTCO WHSL CORP NEW COM 22160K105   622,209 1,252 SH   SOLE   0 0 1,252
DANAHER CORPORATION COM 235851102   820,415 3,255 SH   SOLE   0 0 3,255
DEERE & CO COM 244199105   424,441 1,028 SH   SOLE   0 0 1,028
DELTA AIR LINES INC DEL COM NEW 247361702   252,402 7,228 SH   SOLE   0 0 7,228
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   4,792,645 190,638 SH   SOLE   0 0 190,638
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   253,762 9,416 SH   SOLE   0 0 9,416
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   246,752 10,719 SH   SOLE   0 0 10,719
DISCOVER FINL SVCS COM 254709108   278,966 2,822 SH   SOLE   0 0 2,822
DISNEY WALT CO COM 254687106   208,923 2,087 SH   SOLE   0 0 2,087
ENBRIDGE INC COM 29250N105   259,192 6,794 SH   SOLE   0 0 6,794
EXXON MOBIL CORP COM 30231G102   700,294 6,386 SH   SOLE   0 0 6,386
FLEXSHARES TR HIG YLD VL ETF 33939L662   11,642,914 285,856 SH   SOLE   0 0 285,856
FLEXSHARES TR QLT DIV DEF IDX 33939L845   2,266,650 42,819 SH   SOLE   0 0 42,819
FLEXSHARES TR STOXX GLOBR INF 33939L795   562,048 10,819 SH   SOLE   0 0 10,819
FLEXSHARES TR INTL QLTDV DEF 33939L811   270,906 13,508 SH   SOLE   0 0 13,508
FORD MTR CO DEL COM 345370860   230,443 18,289 SH   SOLE   0 0 18,289
FREEPORT-MCMORAN INC CL B 35671D857   242,965 5,939 SH   SOLE   0 0 5,939
GLOBAL X FDS US INFR DEV ETF 37954Y673   6,108,518 215,468 SH   SOLE   0 0 215,468
GOLDMAN SACHS GROUP INC COM 38141G104   222,812 681 SH   SOLE   0 0 681
GRAINGER W W INC COM 384802104   206,643 300 SH   SOLE   0 0 300
HOME DEPOT INC COM 437076102   223,323 757 SH   SOLE   0 0 757
INTEL CORP COM 458140100   667,354 20,427 SH   SOLE   0 0 20,427
INTUIT COM 461202103   1,401,244 3,143 SH   SOLE   0 0 3,143
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   8,059,488 55,729 SH   SOLE   0 0 55,729
INVESCO QQQ TR UNIT SER 1 46090E103   3,315,665 10,331 SH   SOLE   0 0 10,331
ISHARES INC MSCI EMRG CHN 46434G764   5,924,090 120,091 SH   SOLE   0 0 120,091
ISHARES INC ESG AWR MSCI EM 46434G863   917,577 29,148 SH   SOLE   0 0 29,148
ISHARES INC CORE MSCI EMKT 46434G103   870,230 17,836 SH   SOLE   0 0 17,836
ISHARES INC EM MKTS DIV ETF 464286319   454,040 18,502 SH   SOLE   0 0 18,502
ISHARES TR MSCI EMG MKT ETF 464287234   3,379,197 85,636 SH   SOLE   0 0 85,636
ISHARES TR CORE US AGGBD ET 464287226   1,878,875 18,857 SH   SOLE   0 0 18,857
ISHARES TR ESG AWR MSCI USA 46435G425   1,846,753 20,417 SH   SOLE   0 0 20,417
ISHARES TR EXPONENTIAL TECH 46434V381   1,331,044 25,257 SH   SOLE   0 0 25,257
ISHARES TR ESG AW MSCI EAFE 46435G516   1,012,495 14,094 SH   SOLE   0 0 14,094
ISHARES TR S&P 500 GRWT ETF 464287309   992,723 15,538 SH   SOLE   0 0 15,538
ISHARES TR CORE S&P500 ETF 464287200   797,346 1,940 SH   SOLE   0 0 1,940
ISHARES TR ESG AWR US AGRGT 46435U549   612,305 12,740 SH   SOLE   0 0 12,740
ISHARES TR CRE U S REIT ETF 464288521   524,312 10,403 SH   SOLE   0 0 10,403
ISHARES TR RUS MID CAP ETF 464287499   497,551 7,116 SH   SOLE   0 0 7,116
ISHARES TR RUSSELL 2000 ETF 464287655   395,156 2,215 SH   SOLE   0 0 2,215
ISHARES TR RUSSELL 3000 ETF 464287689   341,816 1,452 SH   SOLE   0 0 1,452
ISHARES TR RUS 1000 GRW ETF 464287614   330,090 1,351 SH   SOLE   0 0 1,351
ISHARES TR ESG AWRE 1 5 YR 46435G243   310,711 12,914 SH   SOLE   0 0 12,914
ISHARES TR ISHARES SEMICDTR 464287523   293,483 660 SH   SOLE   0 0 660
ISHARES TR 3 7 YR TREAS BD 464288661   278,125 2,364 SH   SOLE   0 0 2,364
ISHARES TR RUS 1000 VAL ETF 464287598   255,645 1,679 SH   SOLE   0 0 1,679
ISHARES TR MSCI EAFE ETF 464287465   230,652 3,225 SH   SOLE   0 0 3,225
ISHARES TR GLOBAL TECH ETF 464287291   226,682 4,170 SH   SOLE   0 0 4,170
ISHARES TR RUS 2000 VAL ETF 464287630   215,122 1,570 SH   SOLE   0 0 1,570
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   22,605,716 548,283 SH   SOLE   0 0 548,283
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   8,561,747 170,146 SH   SOLE   0 0 170,146
JOHNSON & JOHNSON COM 478160104   515,435 3,325 SH   SOLE   0 0 3,325
JPMORGAN CHASE & CO COM 46625H100   932,537 7,156 SH   SOLE   0 0 7,156
LINDE PLC SHS G54950103   794,764 2,236 SH   SOLE   0 0 2,236
LOWES COS INC COM 548661107   204,970 1,025 SH   SOLE   0 0 1,025
MARSH & MCLENNAN COS INC COM 571748102   433,030 2,600 SH   SOLE   0 0 2,600
MASTERCARD INCORPORATED CL A 57636Q104   527,672 1,452 SH   SOLE   0 0 1,452
MCDONALDS CORP COM 580135101   385,583 1,379 SH   SOLE   0 0 1,379
META PLATFORMS INC CL A 30303M102   242,672 1,145 SH   SOLE   0 0 1,145
MICROSOFT CORP COM 594918104   4,005,091 13,892 SH   SOLE   0 0 13,892
MORGAN STANLEY COM NEW 617446448   213,618 2,433 SH   SOLE   0 0 2,433
NEXTERA ENERGY INC COM 65339F101   453,385 5,882 SH   SOLE   0 0 5,882
NORFOLK SOUTHN CORP COM 655844108   365,879 1,726 SH   SOLE   0 0 1,726
NOVO-NORDISK A S ADR 670100205   408,195 2,565 SH   SOLE   0 0 2,565
NVIDIA CORPORATION COM 67066G104   222,534 801 SH   SOLE   0 0 801
ORACLE CORP COM 68389X105   279,225 3,005 SH   SOLE   0 0 3,005
PEPSICO INC COM 713448108   612,568 3,360 SH   SOLE   0 0 3,360
PFIZER INC COM 717081103   251,969 6,176 SH   SOLE   0 0 6,176
PROCTER AND GAMBLE CO COM 742718109   758,036 5,098 SH   SOLE   0 0 5,098
PROGRESSIVE CORP COM 743315103   202,430 1,415 SH   SOLE   0 0 1,415
RAYTHEON TECHNOLOGIES CORP COM 75513E101   493,861 5,043 SH   SOLE   0 0 5,043
REPUBLIC SVCS INC COM 760759100   356,883 2,639 SH   SOLE   0 0 2,639
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   3,697,474 77,272 SH   SOLE   0 0 77,272
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,452,360 74,480 SH   SOLE   0 0 74,480
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,239,509 35,618 SH   SOLE   0 0 35,618
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   692,623 28,247 SH   SOLE   0 0 28,247
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   393,068 8,379 SH   SOLE   0 0 8,379
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   313,086 6,417 SH   SOLE   0 0 6,417
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   248,972 7,515 SH   SOLE   0 0 7,515
SELECT SECTOR SPDR TR ENERGY 81369Y506   862,592 10,414 SH   SOLE   0 0 10,414
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   687,559 21,386 SH   SOLE   0 0 21,386
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   572,685 3,792 SH   SOLE   0 0 3,792
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   420,098 3,245 SH   SOLE   0 0 3,245
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   319,268 2,135 SH   SOLE   0 0 2,135
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   227,243 3,920 SH   SOLE   0 0 3,920
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   211,164 2,826 SH   SOLE   0 0 2,826
SOUTHERN CO COM 842587107   364,336 5,236 SH   SOLE   0 0 5,236
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   200,911 6,255 SH   SOLE   0 0 6,255
SPDR S&P 500 ETF TR TR UNIT 78462F103   6,883,936 16,815 SH   SOLE   0 0 16,815
SPDR S&P 500 ETF TR PUT 78462F103   614,085 1,500 PRN Put SOLE   0 0 1,500
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   358,412 782 SH   SOLE   0 0 782
SPDR SER TR PORTFOLIO SH TSR 78468R101   1,087,590 37,208 SH   SOLE   0 0 37,208
SPDR SER TR PRTFLO S&P500 VL 78464A508   871,734 21,408 SH   SOLE   0 0 21,408
SPDR SER TR S&P DIVID ETF 78464A763   864,486 6,988 SH   SOLE   0 0 6,988
SPDR SER TR PORTFOLIO SHORT 78464A474   250,670 8,460 SH   SOLE   0 0 8,460
STARBUCKS CORP COM 855244109   349,829 3,360 SH   SOLE   0 0 3,360
TESLA INC COM 88160R101   1,070,079 5,158 SH   SOLE   0 0 5,158
TEXAS INSTRS INC COM 882508104   510,458 2,744 SH   SOLE   0 0 2,744
THERMO FISHER SCIENTIFIC INC COM 883556102   562,541 976 SH   SOLE   0 0 976
UNION PAC CORP COM 907818108   675,004 3,354 SH   SOLE   0 0 3,354
UNITEDHEALTH GROUP INC COM 91324P102   430,088 910 SH   SOLE   0 0 910
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   17,551,805 229,465 SH   SOLE   0 0 229,465
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   3,939,005 53,352 SH   SOLE   0 0 53,352
VANGUARD INDEX FDS TOTAL STK MKT 922908769   45,599,565 223,418 SH   SOLE   0 0 223,418
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   14,292,678 172,118 SH   SOLE   0 0 172,118
VANGUARD INDEX FDS MID CAP ETF 922908629   4,092,100 19,401 SH   SOLE   0 0 19,401
VANGUARD INDEX FDS VALUE ETF 922908744   3,712,075 26,878 SH   SOLE   0 0 26,878
VANGUARD INDEX FDS GROWTH ETF 922908736   2,063,001 8,271 SH   SOLE   0 0 8,271
VANGUARD INDEX FDS SMALL CP ETF 922908751   876,100 4,622 SH   SOLE   0 0 4,622
VANGUARD INDEX FDS LARGE CAP ETF 922908637   801,602 4,291 SH   SOLE   0 0 4,291
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   512,208 1,362 SH   SOLE   0 0 1,362
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,851,266 169,586 SH   SOLE   0 0 169,586
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   3,049,338 63,767 SH   SOLE   0 0 63,767
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   8,207,176 140,198 SH   SOLE   0 0 140,198
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   6,175,592 102,995 SH   SOLE   0 0 102,995
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   3,705,443 46,191 SH   SOLE   0 0 46,191
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   2,934,093 38,490 SH   SOLE   0 0 38,490
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   21,336,001 472,349 SH   SOLE   0 0 472,349
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   879,934 8,341 SH   SOLE   0 0 8,341
VISA INC COM CL A 92826C839   721,698 3,201 SH   SOLE   0 0 3,201
WALMART INC COM 931142103   1,118,851 7,588 SH   SOLE   0 0 7,588
WISDOMTREE TR EM EX ST-OWNED 97717X578   998,064 35,850 SH   SOLE   0 0 35,850