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
ABBVIE INC COM 00287Y109 464 3,428 SH   SOLE 0 0 0 3,428
ALPHABET INC CAP STK CL A 02079K305 750 259 SH   SOLE 0 0 0 259
ALPHABET INC CAP STK CL C 02079K107 671 232 SH   SOLE 0 0 0 232
AMAZON COM INC COM 023135106 447 134 SH   SOLE 0 0 0 134
ANALOG DEVICES INC COM 032654105 680 3,868 SH   SOLE 0 0 0 3,868
APPLE INC COM 037833100 11,620 65,440 SH   SOLE 0 0 0 65,440
BOEING CO COM 097023105 278 1,380 SH   SOLE 0 0 0 1,380
BRISTOL-MYERS SQUIBB CO COM 110122108 244 3,920 SH   SOLE 0 0 0 3,920
CHEVRON CORP NEW COM 166764100 370 3,150 SH   SOLE 0 0 0 3,150
CISCO SYS INC COM 17275R102 554 8,736 SH   SOLE 0 0 0 8,736
EXXON MOBIL CORP COM 30231G102 276 4,515 SH   SOLE 0 0 0 4,515
FORD MTR CO DEL COM 345370860 330 15,902 SH   SOLE 0 0 0 15,902
HOME DEPOT INC COM 437076102 304 734 SH   SOLE 0 0 0 734
INTEL CORP COM 458140100 512 9,950 SH   SOLE 0 0 0 9,950
INTERNATIONAL BUSINESS MACHS COM 459200101 260 1,943 SH   SOLE 0 0 0 1,943
INTUIT COM 461202103 324 504 SH   SOLE 0 0 0 504
INVESCO BD FD COM 46132L107 263 13,183 SH   SOLE 0 0 0 13,183
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 336 909 SH   SOLE 0 0 0 909
INVESCO QQQ TR UNIT SER 1 46090E103 246 619 SH   SOLE 0 0 0 619
ISHARES INC CORE MSCI EMKT 46434G103 7,855 131,228 SH   SOLE 0 0 0 131,228
ISHARES INC MSCI EMERG MRKT 464286533 2,480 39,471 SH   SOLE 0 0 0 39,471
ISHARES TR CORE US AGGBD ET 464287226 225 1,970 SH   SOLE 0 0 0 1,970
ISHARES TR INTL SEL DIV ETF 464288448 1,269 40,707 SH   SOLE 0 0 0 40,707
ISHARES TR RUS 1000 GRW ETF 464287614 1,877 6,142 SH   SOLE 0 0 0 6,142
ISHARES TR CUR HD EURZN ETF 46434V639 1,379 36,617 SH   SOLE 0 0 0 36,617
ISHARES TR GLOBAL TECH ETF 464287291 17,169 266,644 SH   SOLE 0 0 0 266,644
ISHARES TR ISHS 1-5YR INVS 464288646 503 9,328 SH   SOLE 0 0 0 9,328
ISHARES TR NATIONAL MUN ETF 464288414 466 4,004 SH   SOLE 0 0 0 4,004
ISHARES TR USD INV GRDE ETF 464288620 558 9,333 SH   SOLE 0 0 0 9,333
ISHARES TR TIPS BD ETF 464287176 18,846 145,867 SH   SOLE 0 0 0 145,867
ISHARES TR RUS 1000 VAL ETF 464287598 356 2,117 SH   SOLE 0 0 0 2,117
ISHARES TR EAFE GRWTH ETF 464288885 4,469 40,516 SH   SOLE 0 0 0 40,516
ISHARES TR SHORT TREAS BD 464288679 244 2,212 SH   SOLE 0 0 0 2,212
ISHARES TR MSCI USA MIN VOL 46429B697 10,943 135,263 SH   SOLE 0 0 0 135,263
ISHARES TR US TREAS BD ETF 46429B267 32,064 1,201,815 SH   SOLE 0 0 0 1,201,815
ISHARES TR CORE TOTAL USD 46434V613 1,266 23,924 SH   SOLE 0 0 0 23,924
ISHARES TR FALN ANGLS USD 46435G474 9,738 324,908 SH   SOLE 0 0 0 324,908
ISHARES TR GLOBAL FINLS ETF 464287333 10,906 136,220 SH   SOLE 0 0 0 136,220
ISHARES TR MSCI EAFE ETF 464287465 462 5,868 SH   SOLE 0 0 0 5,868
ISHARES TR CORE MSCI EAFE 46432F842 53,026 710,428 SH   SOLE 0 0 0 710,428
ISHARES TR MSCI USA VALUE 46432F388 19,371 176,956 SH   SOLE 0 0 0 176,956
ISHARES TR EAFE VALUE ETF 464288877 649 12,875 SH   SOLE 0 0 0 12,875
ISHARES TR U.S. MED DVC ETF 464288810 2,739 41,594 SH   SOLE 0 0 0 41,594
ISHARES TR 3 7 YR TREAS BD 464288661 3,634 28,244 SH   SOLE 0 0 0 28,244
ISHARES TR CORE S&P TTL STK 464287150 34,029 318,083 SH   SOLE 0 0 0 318,083
ISHARES TR ESG AWR MSCI USA 46435G425 2,838 26,301 SH   SOLE 0 0 0 26,301
ISHARES TR S&P 500 GRWT ETF 464287309 2,489 29,745 SH   SOLE 0 0 0 29,745
ISHARES TR 1 3 YR TREAS BD 464287457 1,131 13,218 SH   SOLE 0 0 0 13,218
ISHARES TR IBOXX INV CP ETF 464287242 5,782 43,635 SH   SOLE 0 0 0 43,635
ISHARES TR SELECT DIVID ETF 464287168 252 2,054 SH   SOLE 0 0 0 2,054
ISHARES TR ISHS 5-10YR INVT 464288638 1,196 20,182 SH   SOLE 0 0 0 20,182
ISHARES TR MSCI USA MMENTM 46432F396 423 2,326 SH   SOLE 0 0 0 2,326
ISHARES TR MSCI USA QLT FCT 46432F339 16,914 116,201 SH   SOLE 0 0 0 116,201
ISHARES TR MSCI EMG MKT ETF 464287234 862 17,653 SH   SOLE 0 0 0 17,653
ISHARES TR CORE S&P500 ETF 464287200 19,162 40,174 SH   SOLE 0 0 0 40,174
ISHARES TR MSCI USA SZE FT 46432F370 9,357 68,170 SH   SOLE 0 0 0 68,170
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 537 10,752 SH   SOLE 0 0 0 10,752
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 8,584 277,972 SH   SOLE 0 0 0 277,972
JOHNSON & JOHNSON COM 478160104 548 3,205 SH   SOLE 0 0 0 3,205
JPMORGAN CHASE & CO COM 46625H100 267 1,688 SH   SOLE 0 0 0 1,688
META PLATFORMS INC CL A 30303M102 374 1,111 SH   SOLE 0 0 0 1,111
MICROSOFT CORP COM 594918104 3,388 10,073 SH   SOLE 0 0 0 10,073
NETFLIX INC COM 64110L106 319 530 SH   SOLE 0 0 0 530
ORACLE CORP COM 68389X105 1,198 13,737 SH   SOLE 0 0 0 13,737
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 640 11,873 SH   SOLE 0 0 0 11,873
SELECT SECTOR SPDR TR ENERGY 81369Y506 10,736 193,443 SH   SOLE 0 0 0 193,443
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 313 8,013 SH   SOLE 0 0 0 8,013
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,839 44,329 SH   SOLE 0 0 0 44,329
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,534 3,230 SH   SOLE 0 0 0 3,230
SPDR SER TR PORTFLI INTRMDIT 78464A672 6,458 201,495 SH   SOLE 0 0 0 201,495
SPDR SER TR PORTFLI HIGH YLD 78468R606 767 28,876 SH   SOLE 0 0 0 28,876
TESLA INC COM 88160R101 2,644 2,502 SH   SOLE 0 0 0 2,502
UNITED PARCEL SERVICE INC CL B 911312106 689 3,215 SH   SOLE 0 0 0 3,215
US BANCORP DEL COM NEW 902973304 237 4,214 SH   SOLE 0 0 0 4,214
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 46,081 543,723 SH   SOLE 0 0 0 543,723
VANGUARD INDEX FDS MID CAP ETF 922908629 219 861 SH   SOLE 0 0 0 861
VANGUARD INDEX FDS TOTAL STK MKT 922908769 270 1,117 SH   SOLE 0 0 0 1,117
VANGUARD INDEX FDS SMALL CP ETF 922908751 18,803 83,196 SH   SOLE 0 0 0 83,196
VANGUARD INDEX FDS GROWTH ETF 922908736 18,331 57,123 SH   SOLE 0 0 0 57,123
VANGUARD INDEX FDS VALUE ETF 922908744 5,277 35,869 SH   SOLE 0 0 0 35,869
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 77,282 177,020 SH   SOLE 0 0 0 177,020
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,900 99,062 SH   SOLE 0 0 0 99,062
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,453 40,032 SH   SOLE 0 0 0 40,032
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,085 13,351 SH   SOLE 0 0 0 13,351
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 594 8,937 SH   SOLE 0 0 0 8,937
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 9,456 178,957 SH   SOLE 0 0 0 178,957
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,894 11,027 SH   SOLE 0 0 0 11,027
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 12,593 246,641 SH   SOLE 0 0 0 246,641
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 230 2,049 SH   SOLE 0 0 0 2,049
WISDOMTREE TR EMER MKT HIGH FD 97717W315 354 8,183 SH   SOLE 0 0 0 8,183
WP CAREY INC COM 92936U109 288 3,509 SH   SOLE 0 0 0 3,509