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 413 2,546 SH   SOLE   2,545 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 644 1,413 SH   SOLE   1,413 0 0
ADVANCED MICRO DEVICES INC COM 007903107 844 7,719 SH   SOLE   7,719 0 0
ALIGN TECHNOLOGY INC COM 016255101 295 677 SH   SOLE   677 0 0
ALPHA ARCHITECT ETF TR INTL QUAN VALUE 02072L201 17,626 664,640 SH   SOLE   664,640 0 0
ALPHABET INC CAP STK CL C 02079K107 838 300 SH   SOLE   300 0 0
ALPHABET INC CAP STK CL A 02079K305 1,303 469 SH   SOLE   468 0 0
AMAZON COM INC COM 023135106 6,136 1,882 SH   SOLE   1,882 0 0
AMGEN INC COM 031162100 4,555 18,835 SH   SOLE   18,835 0 0
APPLE INC COM 037833100 11,056 63,318 SH   SOLE   63,318 0 0
ARK ETF TR INNOVATION ETF 00214Q104 538 8,113 SH   SOLE   8,112 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210 213 319 SH   SOLE   319 0 0
AT&T INC COM 00206R102 231 9,774 SH   SOLE   9,773 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,504 4,262 SH   SOLE   4,261 0 0
BK OF AMERICA CORP COM 060505104 338 8,209 SH   SOLE   8,209 0 0
BLACKSTONE INC COM 09260D107 620 4,888 SH   SOLE   4,888 0 0
BLOCK INC CL A 852234103 277 2,044 SH   SOLE   2,044 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 215 2,950 SH   SOLE   2,950 0 0
CHEVRON CORP NEW COM 166764100 635 3,900 SH   SOLE   3,899 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105 285 180 SH   SOLE   180 0 0
CISCO SYS INC COM 17275R102 211 3,781 SH   SOLE   3,781 0 0
CITIGROUP INC COM NEW 172967424 257 4,821 SH   SOLE   4,821 0 0
COCA COLA CO COM 191216100 491 7,912 SH   SOLE   7,911 0 0
COMCAST CORP NEW CL A 20030N101 342 7,304 SH   SOLE   7,303 0 0
CONSOLIDATED EDISON INC COM 209115104 268 2,834 SH   SOLE   2,834 0 0
COSTCO WHSL CORP NEW COM 22160K105 229 397 SH   SOLE   397 0 0
CVS HEALTH CORP COM 126650100 438 4,328 SH   SOLE   4,328 0 0
DEXCOM INC COM 252131107 362 707 SH   SOLE   707 0 0
DISNEY WALT CO COM 254687106 595 4,336 SH   SOLE   4,335 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 444 3,972 SH   SOLE   3,972 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 317 2,696 SH   SOLE   2,696 0 0
EMERSON ELEC CO COM 291011104 245 2,494 SH   SOLE   2,494 0 0
EVEREST RE GROUP LTD COM G3223R108 914 3,033 SH   SOLE   3,033 0 0
EXXON MOBIL CORP COM 30231G102 467 5,652 SH   SOLE   5,651 0 0
GENERAL DYNAMICS CORP COM 369550108 231 956 SH   SOLE   956 0 0
GENERAL MTRS CO COM 37045V100 269 6,154 SH   SOLE   6,154 0 0
GRAN TIERRA ENERGY INC COM 38500T101 21 13,285 SH   SOLE   13,285 0 0
HAWAIIAN ELEC INDUSTRIES COM 419870100 289 6,819 SH   SOLE   6,819 0 0
HOME DEPOT INC COM 437076102 452 1,511 SH   SOLE   1,510 0 0
INSULET CORP COM 45784P101 218 819 SH   SOLE   819 0 0
INTEL CORP COM 458140100 249 5,032 SH   SOLE   5,032 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 395 1,308 SH   SOLE   1,308 0 0
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 2,038 110,933 SH   SOLE   110,932 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 230 10,816 SH   SOLE   10,815 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 HY 46138J858 256 10,460 SH   SOLE   10,459 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 HY 46138J874 208 9,082 SH   SOLE   9,081 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 241 11,430 SH   SOLE   11,429 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 237 11,214 SH   SOLE   11,214 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 238 11,391 SH   SOLE   11,391 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 830 5,264 SH   SOLE   5,263 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 2,043 5,634 SH   SOLE   5,634 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 627 13,879 SH   SOLE   13,879 0 0
ISHARES TR EAFE VALUE ETF 464288877 888 17,665 SH   SOLE   17,665 0 0
ISHARES TR U.S. TECH ETF 464287721 203 1,972 SH   SOLE   1,972 0 0
ISHARES TR CORE S&P500 ETF 464287200 11,727 25,848 SH   SOLE   25,847 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 422 4,034 SH   SOLE   4,034 0 0
ISHARES TR CORE S&P SCP ETF 464287804 4,354 40,359 SH   SOLE   40,358 0 0
ISHARES TR NEW YORK MUN ETF 464288323 702 12,863 SH   SOLE   12,863 0 0
ISHARES TR RUS MD CP GR ETF 464287481 774 7,698 SH   SOLE   7,698 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 2,357 11,482 SH   SOLE   11,482 0 0
ISHARES TR S&P MC 400VL ETF 464287705 323 2,944 SH   SOLE   2,944 0 0
ISHARES TR S&P MC 400GR ETF 464287606 238 3,080 SH   SOLE   3,080 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 2,272 8,183 SH   SOLE   8,183 0 0
ISHARES TR EAFE GRWTH ETF 464288885 4,025 41,814 SH   SOLE   41,813 0 0
ISHARES TR CORE US AGGBD ET 464287226 1,141 10,656 SH   SOLE   10,656 0 0
ISHARES TR CORE S&P MCP ETF 464287507 4,202 15,660 SH   SOLE   15,659 0 0
ISHARES TR CORE MSCI EAFE 46432F842 8,160 117,387 SH   SOLE   117,386 0 0
ISHARES TR NATIONAL MUN ETF 464288414 6,003 54,754 SH   SOLE   54,754 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 2,599 39,041 SH   SOLE   39,041 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 821 6,862 SH   SOLE   6,862 0 0
ISTAR INC COM 45031U101 393 16,772 SH   SOLE   16,772 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 4,718 93,177 SH   SOLE   93,177 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 338 6,721 SH   SOLE   6,721 0 0
JOHNSON & JOHNSON COM 478160104 1,369 7,722 SH   SOLE   7,721 0 0
JPMORGAN CHASE & CO COM 46625H100 1,219 8,944 SH   SOLE   8,943 0 0
LIBERTY GLOBAL PLC SHS CL C G5480U120 229 8,824 SH   SOLE   8,824 0 0
LILLY ELI & CO COM 532457108 203 710 SH   SOLE   710 0 0
LULULEMON ATHLETICA INC COM 550021109 364 998 SH   SOLE   998 0 0
LUMEN TECHNOLOGIES INC COM 550241103 197 17,479 SH   SOLE   17,479 0 0
MAGNA INTL INC COM 559222401 217 3,379 SH   SOLE   3,379 0 0
MASTERCARD INCORPORATED CL A 57636Q104 1,798 5,032 SH   SOLE   5,031 0 0
MERCADOLIBRE INC COM 58733R102 263 221 SH   SOLE   221 0 0
META PLATFORMS INC CL A 30303M102 2,064 9,280 SH   SOLE   9,280 0 0
MICRON TECHNOLOGY INC COM 595112103 469 6,018 SH   SOLE   6,018 0 0
MICROSOFT CORP COM 594918104 5,815 18,862 SH   SOLE   18,861 0 0
NETFLIX INC COM 64110L106 390 1,041 SH   SOLE   1,040 0 0
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 286 4,714 SH   SOLE   4,713 0 0
NUSHARES ETF TR NUVEEN ESG MIDCP 67092P409 245 5,585 SH   SOLE   5,585 0 0
NVIDIA CORPORATION COM 67066G104 1,691 6,196 SH   SOLE   6,195 0 0
PAYPAL HLDGS INC COM 70450Y103 162 1,400 SH Put SOLE   0 0 0
PAYPAL HLDGS INC COM 70450Y103 654 5,659 SH   SOLE   5,659 0 0
PEPSICO INC COM 713448108 286 1,709 SH   SOLE   1,708 0 0
PFIZER INC COM 717081103 1,127 21,776 SH   SOLE   21,776 0 0
PROCTER AND GAMBLE CO COM 742718109 963 6,300 SH   SOLE   6,300 0 0
PROLOGIS INC. COM 74340W103 209 1,297 SH   SOLE   1,297 0 0
QUALCOMM INC COM 747525103 436 2,853 SH   SOLE   2,853 0 0
SAFEHOLD INC COM 78645L100 246 4,444 SH   SOLE   4,444 0 0
SALESFORCE COM INC COM 79466L302 488 2,299 SH   SOLE   2,299 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 413 14,865 SH   SOLE   14,864 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 5,836 115,412 SH   SOLE   115,412 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 13,349 175,971 SH   SOLE   175,971 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,706 21,620 SH   SOLE   21,619 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 12,184 257,270 SH   SOLE   257,269 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 440 15,192 SH   SOLE   15,192 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 384 7,187 SH   SOLE   7,186 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 14,745 401,561 SH   SOLE   401,561 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 27,371 508,281 SH   SOLE   508,281 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 711 9,956 SH   SOLE   9,955 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 24,626 329,135 SH   SOLE   329,135 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 259 3,394 SH   SOLE   3,393 0 0
SERVICENOW INC COM 81762P102 764 1,372 SH   SOLE   1,372 0 0
SHOPIFY INC CL A 82509L107 441 653 SH   SOLE   653 0 0
SPDR INDEX SHS FDS S&P INTL ETF 78463X772 202 5,217 SH   SOLE   5,216 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,417 5,351 SH   SOLE   5,351 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,911 3,897 SH   SOLE   3,897 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 1,330 28,204 SH   SOLE   28,203 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284 10,838 196,513 SH   SOLE   196,513 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721 12,082 252,338 SH   SOLE   252,337 0 0
SPDR SER TR S&P DIVID ETF 78464A763 307 2,398 SH   SOLE   2,398 0 0
TESLA INC COM 88160R101 5,684 5,275 SH   SOLE   5,274 0 0
TRACTOR SUPPLY CO COM 892356106 286 1,227 SH   SOLE   1,227 0 0
UNITEDHEALTH GROUP INC COM 91324P102 2,215 4,343 SH   SOLE   4,342 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 5,688 99,095 SH   SOLE   99,095 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 201 730 SH   SOLE   730 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 314 3,947 SH   SOLE   3,947 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 345 6,578 SH   SOLE   6,578 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 1,396 4,853 SH   SOLE   4,852 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,435 9,590 SH   SOLE   9,589 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,055 4,633 SH   SOLE   4,632 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,699 4,092 SH   SOLE   4,091 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,249 10,583 SH   SOLE   10,583 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 3,226 13,562 SH   SOLE   13,562 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 625 2,806 SH   SOLE   2,806 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 240 5,212 SH   SOLE   5,212 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 278 5,396 SH   SOLE   5,396 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 241 3,085 SH   SOLE   3,085 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 601 3,704 SH   SOLE   3,703 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 3,223 53,957 SH   SOLE   53,957 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,543 52,955 SH   SOLE   52,954 0 0
VEEVA SYS INC CL A COM 922475108 354 1,668 SH   SOLE   1,668 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 389 7,630 SH   SOLE   7,629 0 0
VISA INC COM CL A 92826C839 2,221 10,015 SH   SOLE   10,014 0 0
VISA INC COM CL A 92826C839 155 700 SH Put SOLE   0 0 0
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 236 14,178 SH   SOLE   14,178 0 0
WALMART INC COM 931142103 256 1,720 SH   SOLE   1,720 0 0
WASTE MGMT INC DEL COM 94106L109 207 1,304 SH   SOLE   1,304 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578 551 16,863 SH   SOLE   16,862 0 0
WISDOMTREE TR US LARGECAP DIVD 97717W307 34,810 529,669 SH   SOLE   529,668 0 0
ZOETIS INC CL A 98978V103 217 1,153 SH   SOLE   1,153 0 0