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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
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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
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   793,106 43,174 SH   SOLE   43,174 0 0
ALPHABET INC CAP STK CL A 02079K305   1,049,769 8,770 SH   SOLE   8,770 0 0
ALPHABET INC CAP STK CL C 02079K107   211,422 1,748 SH   SOLE   1,748 0 0
AMAZON COM INC COM 023135106   2,229,938 17,106 SH   SOLE   17,106 0 0
AMGEN INC COM 031162100   320,819 1,445 SH   SOLE   1,445 0 0
APPLE INC COM 037833100   8,234,214 42,451 SH   SOLE   42,451 0 0
ARISTA NETWORKS INC COM 040413106   2,787,432 17,200 SH   SOLE   17,200 0 0
ASML HLDGS NV F SPONSORED ADR COMMON N07059202   253,663 350 SH   SOLE   350 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,089,495 3,195 SH   SOLE   3,195 0 0
CATERPILLAR INC COM 149123101   632,606 2,571 SH   SOLE   2,571 0 0
CISCO SYS INC COM 17275R102   331,136 6,400 SH   SOLE   6,400 0 0
CVS HEALTH CORP COM 126650100   373,302 5,400 SH   SOLE   5,400 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   373,318 4,160 SH   SOLE   4,160 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108   767,990 8,142 SH   SOLE   8,142 0 0
EXXON MOBIL CORP COM 30231G102   339,875 3,169 SH   SOLE   3,169 0 0
HONEYWELL INTL INC COM 438516106   233,438 1,125 SH   SOLE   1,125 0 0
INTEL CORP COM 458140100   260,932 7,803 SH   SOLE   7,803 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   4,005,005 10,841 SH   SOLE   10,841 0 0
ISHARES GOLD TRUST COMMON 464285105   8,416,061 231,274 SH   SOLE   231,274 0 0
ISHARES INC ESG AWR MSCI EM 46434G863   772,531 24,424 SH   SOLE   24,424 0 0
ISHARES TR BLACKROCK ULTRA 46434V878   326,950 6,500 SH   SOLE   6,500 0 0
ISHARES TR COHEN STEER REIT 464287564   1,130,461 20,343 SH   SOLE   20,343 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   10,964,261 175,092 SH   SOLE   175,092 0 0
ISHARES TR CORE S&P SCP ETF 464287804   677,022 6,794 SH   SOLE   6,794 0 0
ISHARES TR CORE S&P US GWT 464287671   1,476,219 15,119 SH   SOLE   15,119 0 0
ISHARES TR CORE S&P500 ETF 464287200   800,260 1,795 SH   SOLE   1,795 0 0
ISHARES TR CORE TOTAL USD 46434V613   6,182,217 135,963 SH   SOLE   135,963 0 0
ISHARES TR EAFE GRWTH ETF 464288885   276,880 2,902 SH   SOLE   2,902 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   1,204,731 16,519 SH   SOLE   16,519 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   1,816,167 18,635 SH   SOLE   18,635 0 0
ISHARES TR EXPND TEC SC ETF 464287549   5,537,506 14,095 SH   SOLE   14,095 0 0
ISHARES TR GL CLEAN ENE ETF 464288224   641,370 34,857 SH   SOLE   34,857 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325   1,767,537 20,797 SH   SOLE   20,797 0 0
ISHARES TR ISHARES BIOTECH 464287556   1,582,176 12,462 SH   SOLE   12,462 0 0
ISHARES TR ISHARES SEMICDTR 464287523   284,573 561 SH   SOLE   561 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   1,110,814 22,141 SH   SOLE   22,141 0 0
ISHARES TR JPMORGAN USD EMG 464288281   608,376 7,030 SH   SOLE   7,030 0 0
ISHARES TR MSCI KLD400 SOC 464288570   1,481,934 17,606 SH   SOLE   17,606 0 0
ISHARES TR MSCI USA ESG SLC 464288802   355,364 3,795 SH   SOLE   3,795 0 0
ISHARES TR MSCI USA MMENTM 46432F396   554,209 3,842 SH   SOLE   3,842 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   556,878 4,129 SH   SOLE   4,129 0 0
ISHARES TR NATIONAL MUN ETF 464288414   1,919,005 17,980 SH   SOLE   17,980 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   8,975,082 32,615 SH   SOLE   32,615 0 0
ISHARES TR RUS MD CP GR ETF 464287481   297,620 3,080 SH   SOLE   3,080 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   243,086 3,449 SH   SOLE   3,449 0 0
ISHARES TR S&P SML 600 GWT 464287887   1,601,320 13,933 SH   SOLE   13,933 0 0
ISHARES TR SELECT DIVID ETF 464287168   7,901,577 69,740 SH   SOLE   69,740 0 0
ISHARES TR SHORT TREAS BD 464288679   11,215,424 101,543 SH   SOLE   101,543 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   988,380 9,500 SH   SOLE   9,500 0 0
JOHNSON & JOHNSON COM 478160104   1,330,450 8,038 SH   SOLE   8,038 0 0
LOCKHEED MARTIN CORP COM 539830109   230,190 500 SH   SOLE   500 0 0
MEDTRONIC PLC SHS G5960L103   239,456 2,718 SH   SOLE   2,718 0 0
MERCK & CO INC COM 58933Y105   332,208 2,879 SH   SOLE   2,879 0 0
MICROSOFT CORP COM 594918104   1,873,383 5,501 SH   SOLE   5,501 0 0
NESTLE S A F SPONSORED ADR 1 ADR REPS 1 ORD SHS COMMON 641069406   272,593 2,265 SH   SOLE   2,265 0 0
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   394,722 6,345 SH   SOLE   6,345 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   554,776 14,998 SH   SOLE   14,998 0 0
PEPSICO INC COM 713448108   432,489 2,335 SH   SOLE   2,335 0 0
PHILIP MORRIS INTL INC COM 718172109   839,532 8,600 SH   SOLE   8,600 0 0
PROCTER AND GAMBLE CO COM 742718109   620,313 4,088 SH   SOLE   4,088 0 0
PUBLIC STORAGE COM 74460D109   218,910 750 SH   SOLE   750 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   239,574 6,720 SH   SOLE   6,720 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   217,149 6,430 SH   SOLE   6,430 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   758,627 15,785 SH   SOLE   15,785 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   3,086,978 42,509 SH   SOLE   42,509 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   412,525 5,504 SH   SOLE   5,504 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,835,981 35,018 SH   SOLE   35,018 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   341,461 1,964 SH   SOLE   1,964 0 0
SOUTHERN CO COM 842587107   990,104 14,094 SH   SOLE   14,094 0 0
SPDR GOLD TR GOLD SHS 78463V107   1,306,719 7,330 SH   SOLE   7,330 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,826,534 4,120 SH   SOLE   4,120 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284   225,090 9,000 SH   SOLE   9,000 0 0
TESLA INC COM 88160R101   336,898 1,287 SH   SOLE   1,287 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106   586,333 19,473 SH   SOLE   19,473 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   678,800 9,023 SH   SOLE   9,023 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   1,483,037 19,795 SH   SOLE   19,795 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   8,073,333 106,833 SH   SOLE   106,833 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   9,952,124 136,912 SH   SOLE   136,912 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   282,282 5,775 SH   SOLE   5,775 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   68,038,617 240,453 SH   SOLE   240,453 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   472,946 2,333 SH   SOLE   2,333 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   2,720,897 13,223 SH   SOLE   13,223 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   2,968,957 21,455 SH   SOLE   21,455 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   2,689,811 12,218 SH   SOLE   12,218 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,692,805 32,226 SH   SOLE   32,226 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   4,896,369 12,022 SH   SOLE   12,022 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   5,167,714 31,244 SH   SOLE   31,244 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   4,137,745 20,804 SH   SOLE   20,804 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,379,328 10,801 SH   SOLE   10,801 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   12,844,775 90,393 SH   SOLE   90,393 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,181,948 21,723 SH   SOLE   21,723 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,308,437 56,746 SH   SOLE   56,746 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   691,657 11,210 SH   SOLE   11,210 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   409,154 5,869 SH   SOLE   5,869 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   2,922,684 61,634 SH   SOLE   61,634 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,244,100 24,773 SH   SOLE   24,773 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   9,859,625 124,758 SH   SOLE   124,758 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   6,322,874 80,556 SH   SOLE   80,556 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   3,837,140 66,467 SH   SOLE   66,467 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   24,104,160 318,585 SH   SOLE   318,585 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   9,418,733 57,986 SH   SOLE   57,986 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   24,571,825 438,157 SH   SOLE   438,157 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,512,672 32,756 SH   SOLE   32,756 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   303,504 4,874 SH   SOLE   4,874 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   39,066,375 368,307 SH   SOLE   368,307 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725   3,378,359 63,611 SH   SOLE   63,611 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733   2,943,645 37,570 SH   SOLE   37,570 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816   950,457 4,039 SH   SOLE   4,039 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   937,016 8,814 SH   SOLE   8,814 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   1,060,617 3,745 SH   SOLE   3,745 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   225,279 2,773 SH   SOLE   2,773 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   7,179,102 29,324 SH   SOLE   29,324 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702   18,020,579 40,756 SH   SOLE   40,756 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876   451,105 3,173 SH   SOLE   3,173 0 0
WALMART INC COM 931142103   1,062,065 6,757 SH   SOLE   6,757 0 0