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
AGILENT TECHNOLOGIES INC COM 00846U101   207 1,498 SH   SOLE   0 0 1,498
ALPHABET INC CAP STK CL A 02079K305   394 3,800 SH   SOLE   0 0 3,800
AMAZON COM INC COM 023135106   243 2,360 SH   SOLE   0 0 2,360
APPLE INC COM 037833100   3,100 18,802 SH   SOLE   0 0 18,802
ARCH CAP GROUP LTD ORD G0450A105   203 3,000 SH   SOLE   0 0 3,000
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   377 1,221 SH   SOLE   0 0 1,221
CHEVRON CORP NEW COM 166764100   226 1,390 SH   SOLE   0 0 1,390
CROWN CASTLE INC COM 22822V101   233 1,742 SH   SOLE   0 0 1,742
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   399 14,813 SH   SOLE   0 0 14,813
EXXON MOBIL CORP COM 30231G102   427 3,902 SH   SOLE   0 0 3,902
HOME DEPOT INC COM 437076102   549 1,863 SH   SOLE   0 0 1,863
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   594 4,110 SH   SOLE   0 0 4,110
ISHARES TR CORE S&P MCP ETF 464287507   725 2,898 SH   SOLE   0 0 2,898
ISHARES TR CORE S&P SCP ETF 464287804   420 4,345 SH   SOLE   0 0 4,345
ISHARES TR S&P 500 GRWT ETF 464287309   3,939 61,656 SH   SOLE   0 0 61,656
ISHARES TR 3 7 YR TREAS BD 464288661   960 8,164 SH   SOLE   0 0 8,164
ISHARES TR CORE MSCI TOTAL 46432F834   9,026 145,701 SH   SOLE   0 0 145,701
JOHNSON & JOHNSON COM 478160104   247 1,598 SH   SOLE   0 0 1,598
KRANESHARES TR KFA MOUNT LUCAS 500767652   933 31,654 SH   SOLE   0 0 31,654
L3HARRIS TECHNOLOGIES INC COM 502431109   202 1,031 SH   SOLE   0 0 1,031
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827   3,858 146,700 SH   SOLE   0 0 146,700
LOCKHEED MARTIN CORP COM 539830109   260 550 SH   SOLE   0 0 550
META PLATFORMS INC CL A 30303M102   342 1,618 SH   SOLE   0 0 1,618
MICROSOFT CORP COM 594918104   1,109 3,848 SH   SOLE   0 0 3,848
NORTHROP GRUMMAN CORP COM 666807102   240 520 SH   SOLE   0 0 520
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   638 13,346 SH   SOLE   0 0 13,346
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   8,770 181,314 SH   SOLE   0 0 181,314
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,067 16,382 SH   SOLE   0 0 16,382
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   238 3,266 SH   SOLE   0 0 3,266
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   3,585 65,291 SH   SOLE   0 0 65,291
SPDR S&P 500 ETF TR TR UNIT 78462F103   315 771 SH   SOLE   0 0 771
SPDR SER TR S&P 500 ESG ETF 78468R531   425 10,794 SH   SOLE   0 0 10,794
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   3,279 14,231 SH   SOLE   0 0 14,231
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885   427 5,047 SH   SOLE   0 0 5,047
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   24,098 64,081 SH   SOLE   0 0 64,081
VANGUARD INDEX FDS VALUE ETF 922908744   4,609 33,379 SH   SOLE   0 0 33,379
VANGUARD INDEX FDS MID CAP ETF 922908629   1,016 4,818 SH   SOLE   0 0 4,818
VANGUARD INDEX FDS SMALL CP ETF 922908751   217 1,150 SH   SOLE   0 0 1,150
VANGUARD INDEX FDS GROWTH ETF 922908736   18,990 76,134 SH   SOLE   0 0 76,134
VANGUARD INDEX FDS TOTAL STK MKT 922908769   5,044 24,713 SH   SOLE   0 0 24,713
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   1,931 32,221 SH   SOLE   0 0 32,221
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   38,832 663,349 SH   SOLE   0 0 663,349
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   4,307 40,829 SH   SOLE   0 0 40,829
WORLD GOLD TR SPDR GLD MINIS 98149E303   9,211 235,537 SH   SOLE   0 0 235,537