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
ALPHABET INC CAP STK CL A 02079K305 3,119 32,613 SH   SOLE   0 0 32,613
AMAZON COM INC COM 023135106 1,435 12,698 SH   SOLE   0 0 12,698
AMERISOURCEBERGEN CORP COM 03073E105 1,655 12,230 SH   SOLE   0 0 12,230
APPLE INC COM 037833100 416 3,007 SH   SOLE   0 0 3,007
BERKSHIRE HATHAWAY INC DEL CL A 084670108 406 1 SH   SOLE   0 0 1
BOOKING HOLDINGS INC COM 09857L108 1,310 797 SH   SOLE   0 0 797
CARMAX INC COM 143130102 1,038 15,729 SH   SOLE   0 0 15,729
CVS HEALTH CORP COM 126650100 628 6,590 SH   SOLE   0 0 6,590
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 1,077 48,445 SH   SOLE   0 0 48,445
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 279 14,769 SH   SOLE   0 0 14,769
DISNEY WALT CO COM 254687106 657 6,961 SH   SOLE   0 0 6,961
ELEVANCE HEALTH INC COM 036752103 1,442 3,175 SH   SOLE   0 0 3,175
ENBRIDGE INC COM 29250N105 2,321 62,560 SH   SOLE   0 0 62,560
EXXON MOBIL CORP COM 30231G102 843 9,661 SH   SOLE   0 0 9,661
FIDELITY NATL INFORMATION SV COM 31620M106 1,303 17,246 SH   SOLE   0 0 17,246
FISERV INC COM 337738108 517 5,524 SH   SOLE   0 0 5,524
IQVIA HLDGS INC COM 46266C105 2,228 12,299 SH   SOLE   0 0 12,299
ISHARES INC MSCI EMERG MRKT 464286533 788 15,548 SH   SOLE   0 0 15,548
ISHARES INC ESG AWR MSCI EM 46434G863 763 27,584 SH   SOLE   0 0 27,584
ISHARES TR FALN ANGLS USD 46435G474 1,574 65,863 SH   SOLE   0 0 65,863
ISHARES TR ESG AWR MSCI USA 46435G425 6,430 80,968 SH   SOLE   0 0 80,968
ISHARES TR BROAD USD HIGH 46435U853 633 18,839 SH   SOLE   0 0 18,839
ISHARES TR US INFRASTRUC 46435U713 327 10,129 SH   SOLE   0 0 10,129
ISHARES TR US TREAS BD ETF 46429B267 8,115 356,552 SH   SOLE   0 0 356,552
ISHARES TR CORE HIGH DV ETF 46429B663 687 7,525 SH   SOLE   0 0 7,525
ISHARES TR MSCI USA MIN VOL 46429B697 782 11,836 SH   SOLE   0 0 11,836
ISHARES TR MSCI USA VALUE 46432F388 237 2,891 SH   SOLE   0 0 2,891
ISHARES TR 0-5YR HI YL CP 46434V407 557 13,947 SH   SOLE   0 0 13,947
ISHARES TR CORE TOTAL USD 46434V613 5,547 124,643 SH   SOLE   0 0 124,643
ISHARES TR 10+ YR INVST GRD 464289511 385 7,987 SH   SOLE   0 0 7,987
ISHARES TR TIPS BD ETF 464287176 1,310 12,487 SH   SOLE   0 0 12,487
ISHARES TR EAFE VALUE ETF 464288877 2,446 63,495 SH   SOLE   0 0 63,495
ISHARES TR EAFE GRWTH ETF 464288885 2,401 33,096 SH   SOLE   0 0 33,096
ISHARES TR ISHS 1-5YR INVS 464288646 241 4,881 SH   SOLE   0 0 4,881
ISHARES TR MBS ETF 464288588 3,015 32,920 SH   SOLE   0 0 32,920
ISHARES TR JPMORGAN USD EMG 464288281 539 6,789 SH   SOLE   0 0 6,789
ISHARES TR IBOXX INV CP ETF 464287242 550 5,373 SH   SOLE   0 0 5,373
ISHARES TR CORE S&P SCP ETF 464287804 793 9,095 SH   SOLE   0 0 9,095
ISHARES TR CORE S&P500 ETF 464287200 8,154 22,736 SH   SOLE   0 0 22,736
ISHARES TR GLOBAL TECH ETF 464287291 413 9,800 SH   SOLE   0 0 9,800
ISHARES TR U.S. ENERGY ETF 464287796 228 5,797 SH   SOLE   0 0 5,797
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 402 11,252 SH   SOLE   0 0 11,252
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 27 15,280 SH   SOLE   0 0 15,280
LOCKHEED MARTIN CORP COM 539830109 449 1,163 SH   SOLE   0 0 1,163
LOWES COS INC COM 548661107 554 2,950 SH   SOLE   0 0 2,950
LYFT INC CL A COM 55087P104 195 14,790 SH   SOLE   0 0 14,790
MARTIN MARIETTA MATLS INC COM 573284106 403 1,251 SH   SOLE   0 0 1,251
MASTERCARD INCORPORATED CL A 57636Q104 2,277 8,008 SH   SOLE   0 0 8,008
META PLATFORMS INC CL A 30303M102 1,086 8,005 SH   SOLE   0 0 8,005
MICROSOFT CORP COM 594918104 3,116 13,379 SH   SOLE   0 0 13,379
NETFLIX INC COM 64110L106 496 2,106 SH   SOLE   0 0 2,106
ROBLOX CORP CL A 771049103 860 23,997 SH   SOLE   0 0 23,997
SCHWAB CHARLES CORP COM 808513105 611 8,505 SH   SOLE   0 0 8,505
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 659 15,673 SH   SOLE   0 0 15,673
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 2,037 44,001 SH   SOLE   0 0 44,001
SCHWAB STRATEGIC TR US TIPS ETF 808524870 238 4,601 SH   SOLE   0 0 4,601
SPDR GOLD TR GOLD SHS 78463V107 214 1,383 SH   SOLE   0 0 1,383
SPDR SER TR PORTFOLIO S&P500 78464A854 751 17,883 SH   SOLE   0 0 17,883
STARBUCKS CORP COM 855244109 275 3,268 SH   SOLE   0 0 3,268
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 1,178 17,182 SH   SOLE   0 0 17,182
UBER TECHNOLOGIES INC COM 90353T100 487 18,378 SH   SOLE   0 0 18,378
UNITEDHEALTH GROUP INC COM 91324P102 1,618 3,204 SH   SOLE   0 0 3,204
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,889 10,524 SH   SOLE   0 0 10,524
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 405 1,233 SH   SOLE   0 0 1,233
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 793 10,479 SH   SOLE   0 0 10,479
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,096 14,751 SH   SOLE   0 0 14,751
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,159 25,327 SH   SOLE   0 0 25,327
VISA INC COM CL A 92826C839 1,310 7,377 SH   SOLE   0 0 7,377
WISDOMTREE TR EM EX ST-OWNED 97717X578 273 11,087 SH   SOLE   0 0 11,087