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
ALPHABET INC CAP STK CL A 02079K305   382,948 2,309 SH   SOLE   0 0 2,309
ALPHABET INC CAP STK CL C 02079K107   235,738 1,410 SH   SOLE   0 0 1,410
AMAZON COM INC COM 023135106   538,867 2,892 SH   SOLE   0 0 2,892
AON PLC SHS CL A G0403H108   297,552 860 SH   SOLE   0 0 860
APPLE INC COM 037833100   3,177,632 13,638 SH   SOLE   0 0 13,638
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   290,885 632 SH   SOLE   0 0 632
HOME DEPOT INC COM 437076102   463,954 1,145 SH   SOLE   0 0 1,145
ISHARES TR CORE S&P500 ETF 464287200   7,545,978 13,082 SH   SOLE   0 0 13,082
ISHARES TR MSCI EAFE ETF 464287465   5,256,815 62,858 SH   SOLE   0 0 62,858
ISHARES TR RUSSELL 2000 ETF 464287655   363,365 1,645 SH   SOLE   0 0 1,645
ISHARES TR U.S. TECH ETF 464287721   245,625 1,620 SH   SOLE   0 0 1,620
JPMORGAN CHASE & CO. COM 46625H100   255,360 1,211 SH   SOLE   0 0 1,211
MICROSOFT CORP COM 594918104   1,246,715 2,897 SH   SOLE   0 0 2,897
NVIDIA CORPORATION COM 67066G104   545,797 4,494 SH   SOLE   0 0 4,494
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   440,321 15,090 SH   SOLE   0 0 15,090
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,028,830 25,020 SH   SOLE   0 0 25,020
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,986,210 44,012 SH   SOLE   0 0 44,012
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   283,051 5,496 SH   SOLE   0 0 5,496
SPDR SER TR PORTFOLIO S&P500 78464A854   1,348,850 19,980 SH   SOLE   0 0 19,980
TESLA INC COM 88160R101   218,200 834 SH   SOLE   0 0 834
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   3,649,695 33,737 SH   SOLE   0 0 33,737
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   19,391,600 258,176 SH   SOLE   0 0 258,176
VANGUARD INDEX FDS GROWTH ETF 922908736   618,128 1,610 SH   SOLE   0 0 1,610
VANGUARD INDEX FDS MID CAP ETF 922908629   244,488 927 SH   SOLE   0 0 927
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   11,610,745 21,936 SH   SOLE   0 0 21,936
VANGUARD INDEX FDS SMALL CP ETF 922908751   330,978 1,391 SH   SOLE   0 0 1,391
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,047,506 3,688 SH   SOLE   0 0 3,688
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   43,497,170 690,431 SH   SOLE   0 0 690,431
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   4,786,241 37,998 SH   SOLE   0 0 37,998
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   413,663 3,456 SH   SOLE   0 0 3,456
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   55,689,339 214,132 SH   SOLE   0 0 214,132
VANGUARD STAR FDS VG TL INTL STK F 921909768   576,122 8,899 SH   SOLE   0 0 8,899
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,296,362 24,548 SH   SOLE   0 0 24,548