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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,658 4,714 SH   SOLE   0 0 4,714
ALPHABET INC CAP STK CL C 02079K107   1,266 6,645 SH   SOLE   0 0 6,645
ALPHABET INC CAP STK CL A 02079K305   1,105 5,836 SH   SOLE   0 0 5,836
AMAZON COM INC COM 023135106   930 4,237 SH   SOLE   0 0 4,237
AMERICAN ELEC PWR CO INC COM 025537101   288 3,126 SH   SOLE   0 0 3,126
AMERICAN EXPRESS CO COM 025816109   217 732 SH   SOLE   0 0 732
APPLE INC COM 037833100   4,015 16,034 SH   SOLE   0 0 16,034
BANK AMERICA CORP COM 060505104   299 6,804 SH   SOLE   0 0 6,804
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   251 553 SH   SOLE   0 0 553
BLACKSTONE INC COM 09260D107   241 1,396 SH   SOLE   0 0 1,396
COSTCO WHSL CORP NEW COM 22160K105   264 288 SH   SOLE   0 0 288
DANAHER CORPORATION COM 235851102   215 936 SH   SOLE   0 0 936
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   725 20,969 SH   SOLE   0 0 20,969
EASTERN BANKSHARES INC COM 27627N105   199 11,545 SH   SOLE   0 0 11,545
ELI LILLY & CO COM 532457108   252 326 SH   SOLE   0 0 326
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   988 9,893 SH   SOLE   0 0 9,893
HF SINCLAIR CORP COM 403949100   1,448 41,324 SH   SOLE   0 0 41,324
HOME DEPOT INC COM 437076102   444 1,142 SH   SOLE   0 0 1,142
HONEYWELL INTL INC COM 438516106   239 1,060 SH   SOLE   0 0 1,060
INTERNATIONAL BUSINESS MACHS COM 459200101   364 1,655 SH   SOLE   0 0 1,655
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   231 3,452 SH   SOLE   0 0 3,452
ISHARES INC CORE MSCI EMKT 46434G103   8,309 159,108 SH   SOLE   0 0 159,108
ISHARES TR 1 3 YR TREAS BD 464287457   2,944 35,908 SH   SOLE   0 0 35,908
ISHARES TR CORE US AGGBD ET 464287226   37,415 400,127 SH   SOLE   0 0 400,127
ISHARES TR NATIONAL MUN ETF 464288414   18,739 175,873 SH   SOLE   0 0 175,873
ISHARES TR BROAD USD HIGH 46435U853   6,015 163,482 SH   SOLE   0 0 163,482
ISHARES TR CORE DIV GRWTH 46434V621   236 3,853 SH   SOLE   0 0 3,853
ISHARES TR CORE MSCI EAFE 46432F842   13,378 190,349 SH   SOLE   0 0 190,349
ISHARES TR CORE S&P MCP ETF 464287507   43,082 691,416 SH   SOLE   0 0 691,416
ISHARES TR ESG AWR MSCI USA 46435G425   325 2,525 SH   SOLE   0 0 2,525
ISHARES TR FLTG RATE NT ETF 46429B655   7,924 155,730 SH   SOLE   0 0 155,730
ISHARES TR IBOXX HI YD ETF 464288513   767 9,758 SH   SOLE   0 0 9,758
ISHARES TR EAFE SML CP ETF 464288273   559 9,197 SH   SOLE   0 0 9,197
ISHARES TR MSCI USA QLT FCT 46432F339   204 1,145 SH   SOLE   0 0 1,145
ISHARES TR RUS 1000 ETF 464287622   17,416 54,061 SH   SOLE   0 0 54,061
ISHARES TR RUS 1000 GRW ETF 464287614   778 1,937 SH   SOLE   0 0 1,937
ISHARES TR RUS 1000 VAL ETF 464287598   230 1,242 SH   SOLE   0 0 1,242
ISHARES TR RUSSELL 2000 ETF 464287655   6,195 28,037 SH   SOLE   0 0 28,037
ISHARES TR RUSEL 2500 ETF 46435G268   12 12,443 SH   SOLE   0 0 12,443
ISHARES TR RUSSELL 3000 ETF 464287689   3,395 10,157 SH   SOLE   0 0 10,157
ISHARES TR S&P 500 GRWT ETF 464287309   763 7,518 SH   SOLE   0 0 7,518
ISHARES TR CORE S&P500 ETF 464287200   126,185 214,352 SH   SOLE   0 0 214,352
ISHARES TR S&P 500 VAL ETF 464287408   248 1,299 SH   SOLE   0 0 1,299
ISHARES TR CORE S&P SCP ETF 464287804   27,590 239,452 SH   SOLE   0 0 239,452
ISHARES TR SHRT NAT MUN ETF 464288158   6,728 63,787 SH   SOLE   0 0 63,787
ISHARES TR TIPS BD ETF 464287176   553 5,194 SH   SOLE   0 0 5,194
ISHARES TR CORE S&P TTL STK 464287150   10,812 84,059 SH   SOLE   0 0 84,059
ISHARES TR CORE MSCI TOTAL 46432F834   2,163 32,703 SH   SOLE   0 0 32,703
JPMORGAN CHASE & CO. COM 46625H100   783 3,266 SH   SOLE   0 0 3,266
META PLATFORMS INC CL A 30303M102   425 725 SH   SOLE   0 0 725
MICROSOFT CORP COM 594918104   1,339 3,176 SH   SOLE   0 0 3,176
NVIDIA CORPORATION COM 67066G104   637 4,745 SH   SOLE   0 0 4,745
PEPSICO INC COM 713448108   211 1,391 SH   SOLE   0 0 1,391
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   320 3,784 SH   SOLE   0 0 3,784
S&P GLOBAL INC COM 78409V104   229 460 SH   SOLE   0 0 460
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   548 29,618 SH   SOLE   0 0 29,618
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   448 13,045 SH   SOLE   0 0 13,045
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   708 30,548 SH   SOLE   0 0 30,548
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   991 35,765 SH   SOLE   0 0 35,765
SPDR GOLD TR GOLD SHS 78463V107   591 2,439 SH   SOLE   0 0 2,439
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   3,247 84,618 SH   SOLE   0 0 84,618
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,590 7,832 SH   SOLE   0 0 7,832
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   711 1,248 SH   SOLE   0 0 1,248
SPDR SER TR BLOOMBERG HIGH Y 78468R622   515 5,393 SH   SOLE   0 0 5,393
SPDR SER TR S&P 500 ESG ETF 78468R531   463 8,191 SH   SOLE   0 0 8,191
TJX COS INC NEW COM 872540109   210 1,740 SH   SOLE   0 0 1,740
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,860 25,861 SH   SOLE   0 0 25,861
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   2,132 11,221 SH   SOLE   0 0 11,221
VANGUARD INDEX FDS GROWTH ETF 922908736   772 1,881 SH   SOLE   0 0 1,881
VANGUARD INDEX FDS MID CAP ETF 922908629   15,195 57,528 SH   SOLE   0 0 57,528
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   5,276 9,792 SH   SOLE   0 0 9,792
VANGUARD INDEX FDS SMALL CP ETF 922908751   7,980 33,211 SH   SOLE   0 0 33,211
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,128 14,243 SH   SOLE   0 0 14,243
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   492 8,568 SH   SOLE   0 0 8,568
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   282 2,462 SH   SOLE   0 0 2,462
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,433 55,243 SH   SOLE   0 0 55,243
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   11,804 235,468 SH   SOLE   0 0 235,468
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,170 87,195 SH   SOLE   0 0 87,195
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870   1,174 11,715 SH   SOLE   0 0 11,715
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   780 6,113 SH   SOLE   0 0 6,113
VISA INC COM CL A 92826C839   208 658 SH   SOLE   0 0 658