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
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   815,992 41,337 SH   SOLE   41,337 0 0
AFFIRM HLDGS INC COM CL A 00827B106   591,400 12,035 SH   SOLE   12,035 0 0
ALPHABET INC CAP STK CL A 02079K305   1,308,895 9,370 SH   SOLE   9,370 0 0
ALPHABET INC CAP STK CL C 02079K107   219,248 1,556 SH   SOLE   1,556 0 0
AMAZON COM INC COM 023135106   2,474,495 16,286 SH   SOLE   16,286 0 0
AMGEN INC COM 031162100   950,466 3,300 SH   SOLE   3,300 0 0
APPLE INC COM 037833100   7,225,320 37,528 SH   SOLE   37,528 0 0
ARISTA NETWORKS INC COM 040413106   1,648,570 7,000 SH   SOLE   7,000 0 0
ASML HLDGS NV F SPONSORED ADR COMMON N07059202   264,922 350 SH   SOLE   350 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,127,046 3,160 SH   SOLE   3,160 0 0
CATERPILLAR INC COM 149123101   760,184 2,571 SH   SOLE   2,571 0 0
CISCO SYS INC COM 17275R102   323,328 6,400 SH   SOLE   6,400 0 0
CVS HEALTH CORP COM 126650100   426,384 5,400 SH   SOLE   5,400 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   403,686 4,160 SH   SOLE   4,160 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108   620,791 8,142 SH   SOLE   8,142 0 0
EXXON MOBIL CORP COM 30231G102   349,830 3,499 SH   SOLE   3,499 0 0
HONEYWELL INTL INC COM 438516106   225,438 1,075 SH   SOLE   1,075 0 0
INTEL CORP COM 458140100   392,101 7,803 SH   SOLE   7,803 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   4,422,969 10,800 SH   SOLE   10,800 0 0
ISHARES GOLD TRUST COMMON 464285105   9,912,683 253,976 SH   SOLE   253,976 0 0
ISHARES INC ESG AWR MSCI EM 46434G863   701,280 21,874 SH   SOLE   21,874 0 0
ISHARES TR BLACKROCK ULTRA 46434V878   352,520 7,000 SH   SOLE   7,000 0 0
ISHARES TR COHEN STEER REIT 464287564   1,223,933 20,840 SH   SOLE   20,840 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   12,005,362 184,897 SH   SOLE   184,897 0 0
ISHARES TR CORE S&P SCP ETF 464287804   698,321 6,451 SH   SOLE   6,451 0 0
ISHARES TR CORE S&P US GWT 464287671   1,482,800 14,244 SH   SOLE   14,244 0 0
ISHARES TR CORE S&P500 ETF 464287200   946,352 1,981 SH   SOLE   1,981 0 0
ISHARES TR CORE TOTAL USD 46434V613   4,176,993 90,666 SH   SOLE   90,666 0 0
ISHARES TR CORE US AGGBD ET 464287226   249,118 2,510 SH   SOLE   2,510 0 0
ISHARES TR EAFE GRWTH ETF 464288885   274,279 2,832 SH   SOLE   2,832 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   1,305,633 17,284 SH   SOLE   17,284 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   1,937,348 18,465 SH   SOLE   18,465 0 0
ISHARES TR EXPND TEC SC ETF 464287549   5,951,419 13,279 SH   SOLE   13,279 0 0
ISHARES TR GL CLEAN ENE ETF 464288224   394,201 25,318 SH   SOLE   25,318 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325   1,803,516 20,797 SH   SOLE   20,797 0 0
ISHARES TR ISHARES BIOTECH 464287556   1,733,718 12,762 SH   SOLE   12,762 0 0
ISHARES TR ISHARES SEMICDTR 464287523   323,768 562 SH   SOLE   562 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   915,399 17,851 SH   SOLE   17,851 0 0
ISHARES TR JPMORGAN USD EMG 464288281   593,852 6,668 SH   SOLE   6,668 0 0
ISHARES TR MSCI KLD400 SOC 464288570   1,582,479 17,380 SH   SOLE   17,380 0 0
ISHARES TR MSCI USA ESG SLC 464288802   335,703 3,340 SH   SOLE   3,340 0 0
ISHARES TR MSCI USA MMENTM 46432F396   521,659 3,325 SH   SOLE   3,325 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   504,837 3,431 SH   SOLE   3,431 0 0
ISHARES TR NATIONAL MUN ETF 464288414   1,833,213 16,910 SH   SOLE   16,910 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   9,417,662 31,064 SH   SOLE   31,064 0 0
ISHARES TR RUS MD CP GR ETF 464287481   388,591 3,720 SH   SOLE   3,720 0 0
ISHARES TR S&P SML 600 GWT 464287887   1,725,180 13,786 SH   SOLE   13,786 0 0
ISHARES TR SELECT DIVID ETF 464287168   8,150,160 69,529 SH   SOLE   69,529 0 0
ISHARES TR SHORT TREAS BD 464288679   13,592,588 123,423 SH   SOLE   123,423 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   1,001,585 9,500 SH   SOLE   9,500 0 0
JOHNSON & JOHNSON COM 478160104   1,332,290 8,500 SH   SOLE   8,500 0 0
JPMORGAN CHASE & CO COM 46625H100   234,398 1,378 SH   SOLE   1,378 0 0
LOCKHEED MARTIN CORP COM 539830109   226,620 500 SH   SOLE   500 0 0
MEDTRONIC PLC SHS G5960L103   223,909 2,718 SH   SOLE   2,718 0 0
MERCK & CO INC COM 58933Y105   313,869 2,879 SH   SOLE   2,879 0 0
MICROSOFT CORP COM 594918104   2,168,500 5,767 SH   SOLE   5,767 0 0
NESTLE S A F SPONSORED ADR 1 ADR REPS 1 ORD SHS COMMON 641069406   261,902 2,265 SH   SOLE   2,265 0 0
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   553,398 7,966 SH   SOLE   7,966 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   491,292 12,565 SH   SOLE   12,565 0 0
PEPSICO INC COM 713448108   396,576 2,335 SH   SOLE   2,335 0 0
PHILIP MORRIS INTL INC COM 718172109   809,088 8,600 SH   SOLE   8,600 0 0
PROCTER AND GAMBLE CO COM 742718109   599,056 4,088 SH   SOLE   4,088 0 0
PUBLIC STORAGE COM 74460D109   228,750 750 SH   SOLE   750 0 0
RIO TINTO PLC SPONSORED ADR 767204100   223,380 3,000 SH   SOLE   3,000 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   246,941 6,681 SH   SOLE   6,681 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   230,273 6,600 SH   SOLE   6,600 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   303,297 6,260 SH   SOLE   6,260 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   3,245,726 42,634 SH   SOLE   42,634 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   326,614 3,937 SH   SOLE   3,937 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,539,157 29,486 SH   SOLE   29,486 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   252,303 1,850 SH   SOLE   1,850 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   321,442 1,670 SH   SOLE   1,670 0 0
SOUTHERN CO COM 842587107   988,271 14,094 SH   SOLE   14,094 0 0
SPDR GOLD TR GOLD SHS 78463V107   1,395,923 7,302 SH   SOLE   7,302 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,101,949 4,422 SH   SOLE   4,422 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   253,059 2,769 SH   SOLE   2,769 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   230,194 2,430 SH   SOLE   2,430 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284   227,700 9,000 SH   SOLE   9,000 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,389,881 2,640 SH   SOLE   2,640 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106   448,531 14,464 SH   SOLE   14,464 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   2,939,102 38,480 SH   SOLE   38,480 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   1,833,545 24,585 SH   SOLE   24,585 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   9,466,109 122,905 SH   SOLE   122,905 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   14,186,495 192,882 SH   SOLE   192,882 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   347,974 7,049 SH   SOLE   7,049 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   72,869,406 234,397 SH   SOLE   234,397 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   508,944 2,333 SH   SOLE   2,333 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   2,653,503 12,085 SH   SOLE   12,085 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   2,958,969 20,405 SH   SOLE   20,405 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   3,268,072 14,048 SH   SOLE   14,048 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,462,387 39,185 SH   SOLE   39,185 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   6,546,713 14,988 SH   SOLE   14,988 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   5,700,660 31,676 SH   SOLE   31,676 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   4,893,473 22,939 SH   SOLE   22,939 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,543,266 10,721 SH   SOLE   10,721 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   13,972,269 93,460 SH   SOLE   93,460 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,254,617 22,348 SH   SOLE   22,348 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,374,932 57,784 SH   SOLE   57,784 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   791,299 12,272 SH   SOLE   12,272 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   422,710 5,869 SH   SOLE   5,869 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   3,179,218 66,945 SH   SOLE   66,945 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,373,143 26,898 SH   SOLE   26,898 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   12,352,041 151,969 SH   SOLE   151,969 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   6,296,519 78,559 SH   SOLE   78,559 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   3,913,301 67,089 SH   SOLE   67,089 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   22,568,478 291,695 SH   SOLE   291,695 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   9,688,589 56,858 SH   SOLE   56,858 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   27,780,422 479,303 SH   SOLE   479,303 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,393,363 29,089 SH   SOLE   29,089 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   589,624 9,249 SH   SOLE   9,249 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   43,798,975 392,358 SH   SOLE   392,358 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725   4,149,313 75,060 SH   SOLE   75,060 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733   3,238,008 38,067 SH   SOLE   38,067 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816   885,708 3,413 SH   SOLE   3,413 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   1,122,648 9,536 SH   SOLE   9,536 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   1,309,365 4,299 SH   SOLE   4,299 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   277,823 3,011 SH   SOLE   3,011 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   6,870,183 27,404 SH   SOLE   27,404 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702   19,552,692 40,398 SH   SOLE   40,398 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876   366,604 2,675 SH   SOLE   2,675 0 0
WALMART INC COM 931142103   1,065,241 6,757 SH   SOLE   6,757 0 0