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
ABBVIE INC COM 00287Y109   316,396 2,042 SH   SOLE   0 0 2,042
ADOBE INC COM 00724F101   205,827 345 SH   SOLE   0 0 345
ALPHABET INC CAP STK CL C 02079K107   366,539 2,601 SH   SOLE   0 0 2,601
ALPHABET INC CAP STK CL A 02079K305   1,154,144 8,262 SH   SOLE   0 0 8,262
AMAZON COM INC COM 023135106   1,656,529 10,903 SH   SOLE   0 0 10,903
APPLE INC COM 037833100   2,083,054 10,819 SH   SOLE   0 0 10,819
BANK NEW YORK MELLON CORP COM 064058100   213,208 4,096 SH   SOLE   0 0 4,096
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,070,481 5,805 SH   SOLE   0 0 5,805
BOEING CO COM 097023105   614,636 2,358 SH   SOLE   0 0 2,358
BOOKING HOLDINGS INC COM 09857L108   666,877 188 SH   SOLE   0 0 188
BROADCOM INC COM 11135F101   286,726 257 SH   SOLE   0 0 257
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104   2,245,045 87,254 SH   SOLE   0 0 87,254
CARMAX INC COM 143130102   229,376 2,989 SH   SOLE   0 0 2,989
CHEVRON CORP NEW COM 166764100   376,140 2,522 SH   SOLE   0 0 2,522
COMCAST CORP NEW CL A 20030N101   326,594 7,448 SH   SOLE   0 0 7,448
CONOCOPHILLIPS COM 20825C104   244,313 2,105 SH   SOLE   0 0 2,105
COSTCO WHSL CORP NEW COM 22160K105   2,441,422 3,699 SH   SOLE   0 0 3,699
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   3,277,104 131,294 SH   SOLE   0 0 131,294
DISNEY WALT CO COM 254687106   218,864 2,424 SH   SOLE   0 0 2,424
ELEVANCE HEALTH INC COM 036752103   364,090 772 SH   SOLE   0 0 772
EXXON MOBIL CORP COM 30231G102   836,893 8,371 SH   SOLE   0 0 8,371
GENERAL DYNAMICS CORP COM 369550108   229,729 885 SH   SOLE   0 0 885
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   216,140 6,140 SH   SOLE   0 0 6,140
IQVIA HLDGS INC COM 46266C105   241,098 1,042 SH   SOLE   0 0 1,042
ISHARES GOLD TR ISHARES NEW 464285204   3,250,942 83,293 SH   SOLE   0 0 83,293
ISHARES TR RUS 1000 GRW ETF 464287614   790,055 2,606 SH   SOLE   0 0 2,606
ISHARES TR CORE S&P US GWT 464287671   597,551 5,740 SH   SOLE   0 0 5,740
ISHARES TR ESG ADV TTL USD 46436E619   2,069,531 47,839 SH   SOLE   0 0 47,839
ISHARES TR CORE MSCI TOTAL 46432F834   2,619,898 40,350 SH   SOLE   0 0 40,350
ISHARES TR CORE S&P500 ETF 464287200   1,030,817 2,158 SH   SOLE   0 0 2,158
ISHARES TR ESG EAFE ETF 46436E759   710,816 11,127 SH   SOLE   0 0 11,127
ISHARES TR CORE S&P TTL STK 464287150   359,280 3,414 SH   SOLE   0 0 3,414
ISHARES TR CORE TOTAL USD 46434V613   1,900,633 41,255 SH   SOLE   0 0 41,255
ISHARES TR CORE US AGGBD ET 464287226   609,594 6,142 SH   SOLE   0 0 6,142
ISHARES TR CORE S&P SCP ETF 464287804   614,668 5,678 SH   SOLE   0 0 5,678
ISHARES TR CORE S&P US VLU 464287663   3,415,717 40,504 SH   SOLE   0 0 40,504
ISHARES TR MSCI USA MIN VOL 46429B697   13,346,969 171,049 SH   SOLE   0 0 171,049
ISHARES TR MSCI KLD400 SOC 464288570   308,082 3,384 SH   SOLE   0 0 3,384
ISHARES TR NATIONAL MUN ETF 464288414   15,455,300 142,563 SH   SOLE   0 0 142,563
ISHARES TR S&P 500 GRWT ETF 464287309   251,071 3,343 SH   SOLE   0 0 3,343
ISHARES TR ESG AWRE 1 5 YR 46435G243   1,195,868 48,851 SH   SOLE   0 0 48,851
ISHARES TR MSCI GBL SUS DEV 46435G532   775,234 9,565 SH   SOLE   0 0 9,565
ISHARES TR CORE S&P MCP ETF 464287507   64,854,140 234,004 SH   SOLE   0 0 234,004
JOHNSON & JOHNSON COM 478160104   315,726 2,014 SH   SOLE   0 0 2,014
JPMORGAN CHASE & CO COM 46625H100   817,709 4,807 SH   SOLE   0 0 4,807
MARATHON PETE CORP COM 56585A102   205,486 1,385 SH   SOLE   0 0 1,385
MASTERCARD INCORPORATED CL A 57636Q104   289,694 679 SH   SOLE   0 0 679
MCDONALDS CORP COM 580135101   321,157 1,083 SH   SOLE   0 0 1,083
META PLATFORMS INC CL A 30303M102   889,572 2,513 SH   SOLE   0 0 2,513
MICRON TECHNOLOGY INC COM 595112103   1,401,110 16,418 SH   SOLE   0 0 16,418
MICROSOFT CORP COM 594918104   4,880,491 12,979 SH   SOLE   0 0 12,979
NOVARTIS AG SPONSORED ADR 66987V109   289,658 2,869 SH   SOLE   0 0 2,869
NVIDIA CORPORATION COM 67066G104   299,730 605 SH   SOLE   0 0 605
ORACLE CORP COM 68389X105   377,973 3,585 SH   SOLE   0 0 3,585
PACCAR INC COM 693718108   225,266 2,307 SH   SOLE   0 0 2,307
PHILIP MORRIS INTL INC COM 718172109   300,635 3,196 SH   SOLE   0 0 3,196
SCHWAB CHARLES CORP COM 808513105   388,224 5,643 SH   SOLE   0 0 5,643
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789   3,764,471 61,612 SH   SOLE   0 0 61,612
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   26,974,993 435,502 SH   SOLE   0 0 435,502
SELECT SECTOR SPDR TR ENERGY 81369Y506   217,642 2,596 SH   SOLE   0 0 2,596
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,948 400 SH Put SOLE   0 0 400
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,178,610 2,480 SH   SOLE   0 0 2,480
STARBUCKS CORP COM 855244109   595,129 6,199 SH   SOLE   0 0 6,199
STRATEGY SHS DAY HAGAN NED 86280R803   275,838 7,742 SH   SOLE   0 0 7,742
TESLA INC COM 88160R101   520,069 2,093 SH   SOLE   0 0 2,093
UNION PAC CORP COM 907818108   209,223 852 SH   SOLE   0 0 852
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   18,857,999 256,397 SH   SOLE   0 0 256,397
VANGUARD INDEX FDS TOTAL STK MKT 922908769   18,397,999 77,557 SH   SOLE   0 0 77,557
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   782,693 4,760 SH   SOLE   0 0 4,760
VANGUARD INDEX FDS GROWTH ETF 922908736   11,672,379 37,546 SH   SOLE   0 0 37,546
VANGUARD INDEX FDS VALUE ETF 922908744   1,603,053 10,723 SH   SOLE   0 0 10,723
VANGUARD INDEX FDS MID CAP ETF 922908629   549,257 2,361 SH   SOLE   0 0 2,361
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,491,538 3,415 SH   SOLE   0 0 3,415
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   4,317,207 41,964 SH   SOLE   0 0 41,964
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   27,419,303 488,409 SH   SOLE   0 0 488,409
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   19,949,185 420,071 SH   SOLE   0 0 420,071
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   17,555,522 343,889 SH   SOLE   0 0 343,889
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   17,021,394 220,000 SH   SOLE   0 0 220,000
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   945,514 5,549 SH   SOLE   0 0 5,549
VANGUARD STAR FDS VG TL INTL STK F 921909768   13,281,807 229,155 SH   SOLE   0 0 229,155
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,175,294 24,536 SH   SOLE   0 0 24,536
VANGUARD WELLINGTON FD US MINIMUM 921935409   220,855 2,111 SH   SOLE   0 0 2,111
VANGUARD WORLD FD ESG US STK ETF 921910733   1,457,406 17,134 SH   SOLE   0 0 17,134
VISA INC COM CL A 92826C839   677,487 2,602 SH   SOLE   0 0 2,602
WELLS FARGO CO NEW COM 949746101   216,223 4,393 SH   SOLE   0 0 4,393