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
ABBVIE INC COM 00287Y109 264 1,952 SH   SOLE   1,952 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 800 1,411 SH   SOLE   1,411 0 0
ADVANCED MICRO DEVICES INC COM 007903107 1,044 7,258 SH   SOLE   7,258 0 0
ALIGN TECHNOLOGY INC COM 016255101 442 673 SH   SOLE   673 0 0
ALPHA ARCHITECT ETF TR INTL QUAN VALUE 02072L201 14,851 564,461 SH   SOLE   564,461 0 0
ALPHABET INC CAP STK CL A 02079K305 1,266 437 SH   SOLE   437 0 0
ALPHABET INC CAP STK CL C 02079K107 790 273 SH   SOLE   273 0 0
AMAZON COM INC COM 023135106 6,167 1,849 SH   SOLE   1,849 0 0
AMGEN INC COM 031162100 6,417 28,524 SH   SOLE   28,524 0 0
APPLE INC COM 037833100 10,361 58,349 SH   SOLE   58,349 0 0
ARK ETF TR INNOVATION ETF 00214Q104 749 7,922 SH   SOLE   7,921 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210 252 316 SH   SOLE   316 0 0
AT&T INC COM 00206R102 252 10,224 SH   SOLE   10,223 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,223 4,089 SH   SOLE   4,089 0 0
BERRY GLOBAL GROUP INC COM 08579W103 327 4,426 SH   SOLE   4,426 0 0
BK OF AMERICA CORP COM 060505104 370 8,326 SH   SOLE   8,325 0 0
BLACKSTONE INC COM 09260D107 570 4,402 SH   SOLE   4,402 0 0
BLOCK INC CL A 852234103 321 1,987 SH   SOLE   1,987 0 0
BNY MELLON HIGH YIELD STRATE SH BEN INT 09660L105 34 11,093 SH   SOLE   11,093 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 208 3,337 SH   SOLE   3,337 0 0
BURLINGTON STORES INC COM 122017106 347 1,189 SH   SOLE   1,189 0 0
CHEVRON CORP NEW COM 166764100 453 3,858 SH   SOLE   3,857 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105 294 168 SH   SOLE   168 0 0
CITIGROUP INC COM NEW 172967424 271 4,490 SH   SOLE   4,490 0 0
COCA COLA CO COM 191216100 443 7,484 SH   SOLE   7,483 0 0
COMCAST CORP NEW CL A 20030N101 360 7,159 SH   SOLE   7,159 0 0
CONSOLIDATED EDISON INC COM 209115104 244 2,863 SH   SOLE   2,863 0 0
CVS HEALTH CORP COM 126650100 434 4,209 SH   SOLE   4,208 0 0
DEXCOM INC COM 252131107 380 708 SH   SOLE   708 0 0
DISNEY WALT CO COM 254687106 672 4,339 SH   SOLE   4,338 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 413 3,939 SH   SOLE   3,939 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 350 2,703 SH   SOLE   2,703 0 0
EMERSON ELEC CO COM 291011104 223 2,399 SH   SOLE   2,399 0 0
EVEREST RE GROUP LTD COM G3223R108 563 2,055 SH   SOLE   2,055 0 0
EXXON MOBIL CORP COM 30231G102 305 4,988 SH   SOLE   4,987 0 0
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302 213 944 SH   SOLE   944 0 0
GENERAL MTRS CO COM 37045V100 307 5,244 SH   SOLE   5,244 0 0
GILEAD SCIENCES INC COM 375558103 229 3,156 SH   SOLE   3,156 0 0
GRAN TIERRA ENERGY INC COM 38500T101 10 13,285 SH   SOLE   13,285 0 0
HAWAIIAN ELEC INDUSTRIES COM 419870100 283 6,819 SH   SOLE   6,819 0 0
HOME DEPOT INC COM 437076102 563 1,356 SH   SOLE   1,355 0 0
INSULET CORP COM 45784P101 220 825 SH   SOLE   825 0 0
INTEL CORP COM 458140100 363 7,039 SH   SOLE   7,039 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 469 1,305 SH   SOLE   1,305 0 0
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 1,921 98,894 SH   SOLE   98,894 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 MUNI 46138J536 237 9,209 SH   SOLE   9,209 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 258 12,021 SH   SOLE   12,020 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 248 11,617 SH   SOLE   11,617 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 265 12,088 SH   SOLE   12,088 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 HY 46138J874 227 9,778 SH   SOLE   9,778 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 264 12,081 SH   SOLE   12,081 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 HY 46138J858 275 10,863 SH   SOLE   10,863 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 816 5,014 SH   SOLE   5,013 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 2,237 5,624 SH   SOLE   5,623 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 1,225 11,410 SH   SOLE   11,410 0 0
ISHARES TR NEW YORK MUN ETF 464288323 1,202 20,734 SH   SOLE   20,734 0 0
ISHARES TR EAFE GRWTH ETF 464288885 3,217 29,170 SH   SOLE   29,170 0 0
ISHARES TR CORE S&P SCP ETF 464287804 4,442 38,787 SH   SOLE   38,787 0 0
ISHARES TR CORE US AGGBD ET 464287226 1,195 10,475 SH   SOLE   10,474 0 0
ISHARES TR CORE MSCI EAFE 46432F842 8,411 112,686 SH   SOLE   112,686 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 2,286 32,231 SH   SOLE   32,231 0 0
ISHARES TR EAFE VALUE ETF 464288877 1,039 20,612 SH   SOLE   20,612 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 867 7,082 SH   SOLE   7,082 0 0
ISHARES TR U.S. TECH ETF 464287721 274 2,383 SH   SOLE   2,383 0 0
ISHARES TR S&P MC 400GR ETF 464287606 277 3,248 SH   SOLE   3,248 0 0
ISHARES TR CORE S&P500 ETF 464287200 12,347 25,885 SH   SOLE   25,884 0 0
ISHARES TR S&P MC 400VL ETF 464287705 346 3,123 SH   SOLE   3,123 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 680 13,918 SH   SOLE   13,918 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 2,595 11,666 SH   SOLE   11,666 0 0
ISHARES TR CORE S&P MCP ETF 464287507 4,475 15,808 SH   SOLE   15,808 0 0
ISHARES TR NATIONAL MUN ETF 464288414 3,382 29,081 SH   SOLE   29,081 0 0
ISHARES TR RUS MD CP GR ETF 464287481 917 7,955 SH   SOLE   7,955 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 2,670 8,738 SH   SOLE   8,737 0 0
ISTAR INC COM 45031U101 514 19,903 SH   SOLE   19,903 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 6,130 120,052 SH   SOLE   120,052 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 1,112 22,021 SH   SOLE   22,021 0 0
JOHNSON & JOHNSON COM 478160104 2,574 15,049 SH   SOLE   15,048 0 0
JPMORGAN CHASE & CO COM 46625H100 1,275 8,055 SH   SOLE   8,054 0 0
LENNAR CORP CL A 526057104 226 1,949 SH   SOLE   1,949 0 0
LIBERTY GLOBAL PLC SHS CL C G5480U120 238 8,469 SH   SOLE   8,469 0 0
LULULEMON ATHLETICA INC COM 550021109 391 1,000 SH   SOLE   1,000 0 0
LUMEN TECHNOLOGIES INC COM 550241103 194 15,489 SH   SOLE   15,488 0 0
MAGNA INTL INC COM 559222401 222 2,743 SH   SOLE   2,743 0 0
MASTERCARD INCORPORATED CL A 57636Q104 1,790 4,982 SH   SOLE   4,982 0 0
MERCADOLIBRE INC COM 58733R102 297 220 SH   SOLE   220 0 0
MERCK & CO INC COM 58933Y105 245 3,194 SH   SOLE   3,194 0 0
META PLATFORMS INC CL A 30303M102 3,102 9,224 SH   SOLE   9,224 0 0
MICRON TECHNOLOGY INC COM 595112103 550 5,903 SH   SOLE   5,903 0 0
MICROSOFT CORP COM 594918104 6,074 18,060 SH   SOLE   18,059 0 0
NETFLIX INC COM 64110L106 606 1,006 SH   SOLE   1,006 0 0
NEW RELIC INC COM 64829B100 200 1,815 SH   SOLE   1,815 0 0
NOVANTA INC COM 67000B104 215 1,217 SH   SOLE   1,217 0 0
NUSHARES ETF TR NUVEEN ESG MIDCP 67092P409 262 5,316 SH   SOLE   5,316 0 0
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 309 4,503 SH   SOLE   4,502 0 0
NVIDIA CORPORATION COM 67066G104 1,893 6,438 SH   SOLE   6,438 0 0
PAYPAL HLDGS INC COM 70450Y103 132 700 SH Put SOLE   0 0 0
PAYPAL HLDGS INC COM 70450Y103 1,050 5,570 SH   SOLE   5,570 0 0
PEPSICO INC COM 713448108 268 1,543 SH   SOLE   1,543 0 0
PFIZER INC COM 717081103 1,277 21,622 SH   SOLE   21,621 0 0
PROCTER AND GAMBLE CO COM 742718109 982 6,000 SH   SOLE   6,000 0 0
QUALCOMM INC COM 747525103 332 1,813 SH   SOLE   1,813 0 0
SAFEHOLD INC COM 78645L100 407 5,101 SH   SOLE   5,101 0 0
SALESFORCE COM INC COM 79466L302 597 2,348 SH   SOLE   2,348 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 5,863 108,775 SH   SOLE   108,775 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 28,897 253,881 SH   SOLE   253,880 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 11,951 116,709 SH   SOLE   116,709 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 562 18,961 SH   SOLE   18,961 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 14,661 377,182 SH   SOLE   377,182 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 17,676 107,945 SH   SOLE   107,944 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 398 3,519 SH   SOLE   3,518 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 713 9,741 SH   SOLE   9,740 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,414 17,492 SH   SOLE   17,491 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 471 15,192 SH   SOLE   15,192 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 12,712 158,054 SH   SOLE   158,054 0 0
SERVICENOW INC COM 81762P102 894 1,377 SH   SOLE   1,377 0 0
SHOPIFY INC CL A 82509L107 733 532 SH   SOLE   532 0 0
SPDR INDEX SHS FDS S&P INTL ETF 78463X772 203 5,217 SH   SOLE   5,216 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,380 5,012 SH   SOLE   5,011 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,984 3,833 SH   SOLE   3,833 0 0
SPDR SER TR S&P DIVID ETF 78464A763 310 2,398 SH   SOLE   2,398 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721 13,101 253,258 SH   SOLE   253,257 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 1,389 27,923 SH   SOLE   27,922 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284 13,569 225,845 SH   SOLE   225,844 0 0
TESLA INC COM 88160R101 5,459 5,165 SH   SOLE   5,165 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 205 307 SH   SOLE   307 0 0
TRACTOR SUPPLY CO COM 892356106 294 1,234 SH   SOLE   1,234 0 0
UNITEDHEALTH GROUP INC COM 91324P102 2,153 4,288 SH   SOLE   4,287 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 2,273 36,409 SH   SOLE   36,409 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 220 730 SH   SOLE   730 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 237 2,801 SH   SOLE   2,801 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 409 7,413 SH   SOLE   7,413 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,343 10,366 SH   SOLE   10,366 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 3,415 13,404 SH   SOLE   13,403 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,046 4,333 SH   SOLE   4,332 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 723 2,839 SH   SOLE   2,839 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 1,725 5,375 SH   SOLE   5,375 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,466 9,749 SH   SOLE   9,749 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,785 4,088 SH   SOLE   4,088 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 251 5,078 SH   SOLE   5,077 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 410 7,465 SH   SOLE   7,465 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 636 3,701 SH   SOLE   3,700 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 3,427 53,904 SH   SOLE   53,904 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,796 54,758 SH   SOLE   54,758 0 0
VEEVA SYS INC CL A COM 922475108 437 1,711 SH   SOLE   1,711 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 358 6,895 SH   SOLE   6,894 0 0
VISA INC COM CL A 92826C839 152 700 SH Put SOLE   0 0 0
VISA INC COM CL A 92826C839 1,978 9,127 SH   SOLE   9,126 0 0
WALMART INC COM 931142103 244 1,683 SH   SOLE   1,683 0 0
WASTE MGMT INC DEL COM 94106L109 215 1,288 SH   SOLE   1,288 0 0
WISDOMTREE TR US LARGECAP DIVD 97717W307 35,505 537,629 SH   SOLE   537,629 0 0
ZOETIS INC CL A 98978V103 265 1,085 SH   SOLE   1,085 0 0