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
AMAZON COM INC COM 023135106   307 2,360 SH   SOLE   0 0 2,360
APPLE INC COM 037833100   3,647 18,802 SH   SOLE   0 0 18,802
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   416 1,221 SH   SOLE   0 0 1,221
ALPHABET INC CAP STK CL A 02079K305   454 3,800 SH   SOLE   0 0 3,800
ARCH CAP GROUP LTD ORD G0450A105   224 3,000 SH   SOLE   0 0 3,000
CHEVRON CORP NEW COM 166764100   218 1,390 SH   SOLE   0 0 1,390
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   2,448 89,612 SH   SOLE   0 0 89,612
EXXON MOBIL CORP COM 30231G102   418 3,902 SH   SOLE   0 0 3,902
HOME DEPOT INC COM 437076102   578 1,863 SH   SOLE   0 0 1,863
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   589 3,937 SH   SOLE   0 0 3,937
ISHARES TR CORE S&P MCP ETF 464287507   694 2,656 SH   SOLE   0 0 2,656
ISHARES TR CORE S&P SCP ETF 464287804   406 4,078 SH   SOLE   0 0 4,078
ISHARES TR S&P 500 GRWT ETF 464287309   4,310 61,165 SH   SOLE   0 0 61,165
ISHARES TR CORE MSCI TOTAL 46432F834   8,581 137,046 SH   SOLE   0 0 137,046
JOHNSON & JOHNSON COM 478160104   264 1,598 SH   SOLE   0 0 1,598
KRANESHARES TR KFA MOUNT LUCAS 500767652   2,319 76,115 SH   SOLE   0 0 76,115
L3HARRIS TECHNOLOGIES INC COM 502431109   201 1,031 SH   SOLE   0 0 1,031
LILLY ELI & CO COM 532457108   257 550 SH   SOLE   0 0 550
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827   3,717 134,532 SH   SOLE   0 0 134,532
LOCKHEED MARTIN CORP COM 539830109   253 550 SH   SOLE   0 0 550
MCCORMICK & CO INC COM NON VTG 579780206   205 2,354 SH   SOLE   0 0 2,354
META PLATFORMS INC CL A 30303M102   464 1,618 SH   SOLE   0 0 1,618
MICROSOFT CORP COM 594918104   1,310 3,848 SH   SOLE   0 0 3,848
NORTHROP GRUMMAN CORP COM 666807102   237 520 SH   SOLE   0 0 520
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   237 3,266 SH   SOLE   0 0 3,266
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   680 13,163 SH   SOLE   0 0 13,163
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   9,425 179,985 SH   SOLE   0 0 179,985
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,122 14,979 SH   SOLE   0 0 14,979
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   3,885 67,495 SH   SOLE   0 0 67,495
SPDR S&P 500 ETF TR TR UNIT 78462F103   341 771 SH   SOLE   0 0 771
SPDR SER TR S&P 500 ESG ETF 78468R531   443 10,294 SH   SOLE   0 0 10,294
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   3,531 13,898 SH   SOLE   0 0 13,898
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885   446 5,047 SH   SOLE   0 0 5,047
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   27,206 66,802 SH   SOLE   0 0 66,802
VANGUARD INDEX FDS VALUE ETF 922908744   7,919 55,733 SH   SOLE   0 0 55,733
VANGUARD INDEX FDS MID CAP ETF 922908629   1,060 4,818 SH   SOLE   0 0 4,818
VANGUARD INDEX FDS SMALL CP ETF 922908751   228 1,150 SH   SOLE   0 0 1,150
VANGUARD INDEX FDS GROWTH ETF 922908736   22,338 78,945 SH   SOLE   0 0 78,945
VANGUARD INDEX FDS TOTAL STK MKT 922908769   5,642 25,613 SH   SOLE   0 0 25,613
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   14,994 255,610 SH   SOLE   0 0 255,610
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   361 6,255 SH   SOLE   0 0 6,255
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   4,314 40,674 SH   SOLE   0 0 40,674
WORLD GOLD TR SPDR GLD MINIS 98149E303   6,994 183,642 SH   SOLE   0 0 183,642