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 351 2,612 SH   SOLE   2,611 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 353 1,282 SH   SOLE   1,282 0 0
ADVANCED MICRO DEVICES INC COM 007903107 466 7,353 SH   SOLE   7,353 0 0
ALPHABET INC CAP STK CL C 02079K107 673 6,995 SH   SOLE   6,995 0 0
ALPHABET INC CAP STK CL A 02079K305 1,028 10,747 SH   SOLE   10,746 0 0
AMAZON COM INC COM 023135106 4,366 38,634 SH   SOLE   38,633 0 0
AMGEN INC COM 031162100 4,278 18,978 SH   SOLE   18,978 0 0
APPLE INC COM 037833100 8,349 60,416 SH   SOLE   60,415 0 0
ARK ETF TR INNOVATION ETF 00214Q104 314 8,328 SH   SOLE   8,328 0 0
AT&T INC COM 00206R102 161 10,484 SH   SOLE   10,483 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,148 4,299 SH   SOLE   4,298 0 0
BK OF AMERICA CORP COM 060505104 269 8,904 SH   SOLE   8,903 0 0
BLACKSTONE INC COM 09260D107 496 5,930 SH   SOLE   5,930 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 206 2,893 SH   SOLE   2,893 0 0
CHEVRON CORP NEW COM 166764100 619 4,310 SH   SOLE   4,309 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105 246 164 SH   SOLE   164 0 0
CITIGROUP INC COM NEW 172967424 231 5,541 SH   SOLE   5,541 0 0
COCA COLA CO COM 191216100 508 9,071 SH   SOLE   9,070 0 0
COLGATE PALMOLIVE CO COM 194162103 2,126 30,270 SH   SOLE   30,270 0 0
CONSOLIDATED EDISON INC COM 209115104 250 2,910 SH   SOLE   2,910 0 0
COSTCO WHSL CORP NEW COM 22160K105 217 460 SH   SOLE   460 0 0
CVS HEALTH CORP COM 126650100 494 5,179 SH   SOLE   5,178 0 0
DEXCOM INC COM 252131107 218 2,710 SH   SOLE   2,710 0 0
DISNEY WALT CO COM 254687106 503 5,332 SH   SOLE   5,332 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 381 4,096 SH   SOLE   4,096 0 0
EA SERIES TRUST INTL QUAN VALUE 02072L201 16,174 797,951 SH   SOLE   797,951 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 211 2,559 SH   SOLE   2,559 0 0
EVEREST RE GROUP LTD COM G3223R108 796 3,032 SH   SOLE   3,032 0 0
EXXON MOBIL CORP COM 30231G102 683 7,822 SH   SOLE   7,821 0 0
GENERAL MTRS CO COM 37045V100 215 6,715 SH   SOLE   6,715 0 0
GILEAD SCIENCES INC COM 375558103 207 3,348 SH   SOLE   3,347 0 0
GRAN TIERRA ENERGY INC COM 38500T101 13 10,785 SH   SOLE   10,785 0 0
HAWAIIAN ELEC INDUSTRIES COM 419870100 227 6,560 SH   SOLE   6,560 0 0
HOME DEPOT INC COM 437076102 519 1,880 SH   SOLE   1,879 0 0
INTEL CORP COM 458140100 202 7,820 SH   SOLE   7,820 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 249 1,328 SH   SOLE   1,328 0 0
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 2,009 122,273 SH   SOLE   122,273 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 516 4,056 SH   SOLE   4,055 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 1,431 5,353 SH   SOLE   5,352 0 0
ISHARES INC CORE MSCI EMKT 46434G103 233 5,416 SH   SOLE   5,415 0 0
ISHARES TR CORE MSCI EAFE 46432F842 6,531 124,004 SH   SOLE   124,003 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 1,608 31,570 SH   SOLE   31,570 0 0
ISHARES TR CORE S&P500 ETF 464287200 9,550 26,628 SH   SOLE   26,627 0 0
ISHARES TR CORE S&P MCP ETF 464287507 3,791 17,291 SH   SOLE   17,291 0 0
ISHARES TR CORE US AGGBD ET 464287226 964 10,010 SH   SOLE   10,009 0 0
ISHARES TR EAFE GRWTH ETF 464288885 3,782 52,120 SH   SOLE   52,120 0 0
ISHARES TR EAFE VALUE ETF 464288877 793 20,584 SH   SOLE   20,584 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 473 13,566 SH   SOLE   13,566 0 0
ISHARES TR CORE S&P SCP ETF 464287804 3,708 42,524 SH   SOLE   42,524 0 0
ISHARES TR MSCI KLD400 SOC 464288570 424 6,327 SH   SOLE   6,327 0 0
ISHARES TR NATIONAL MUN ETF 464288414 8,113 79,093 SH   SOLE   79,092 0 0
ISHARES TR NEW YORK MUN ETF 464288323 204 4,029 SH   SOLE   4,029 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,889 8,979 SH   SOLE   8,979 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 2,233 13,541 SH   SOLE   13,540 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 224 1,082 SH   SOLE   1,082 0 0
ISHARES TR RUS MD CP GR ETF 464287481 597 7,615 SH   SOLE   7,615 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 655 6,815 SH   SOLE   6,815 0 0
ISHARES TR RUS TP200 GR ETF 464289438 254 2,129 SH   SOLE   2,129 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 1,153 11,235 SH   SOLE   11,235 0 0
ISTAR INC COM 45031U101 148 16,014 SH   SOLE   16,014 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 1,313 26,106 SH   SOLE   26,106 0 0
JOHNSON & JOHNSON COM 478160104 1,338 8,192 SH   SOLE   8,192 0 0
JPMORGAN CHASE & CO COM 46625H100 1,101 10,539 SH   SOLE   10,538 0 0
LILLY ELI & CO COM 532457108 283 874 SH   SOLE   874 0 0
LULULEMON ATHLETICA INC COM 550021109 258 923 SH   SOLE   923 0 0
LUMEN TECHNOLOGIES INC COM 550241103 125 17,125 SH   SOLE   17,125 0 0
MASTERCARD INCORPORATED CL A 57636Q104 1,402 4,929 SH   SOLE   4,929 0 0
MCDONALDS CORP COM 580135101 481 2,083 SH   SOLE   2,083 0 0
MERCK & CO INC COM 58933Y105 272 3,162 SH   SOLE   3,162 0 0
META PLATFORMS INC CL A 30303M102 1,232 9,078 SH   SOLE   9,078 0 0
MICRON TECHNOLOGY INC COM 595112103 300 5,983 SH   SOLE   5,983 0 0
MICROSOFT CORP COM 594918104 4,896 21,021 SH   SOLE   21,021 0 0
NETFLIX INC COM 64110L106 259 1,101 SH   SOLE   1,100 0 0
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 406 8,814 SH   SOLE   8,813 0 0
NUSHARES ETF TR NUVEEN ESG MIDCP 67092P409 308 9,350 SH   SOLE   9,350 0 0
NUSHARES ETF TR NUVEEN ESG MIDVL 67092P508 200 7,033 SH   SOLE   7,032 0 0
NVIDIA CORPORATION COM 67066G104 753 6,206 SH   SOLE   6,205 0 0
PAYPAL HLDGS INC COM 70450Y103 60 700 SH Put SOLE   0 0 0
PAYPAL HLDGS INC COM 70450Y103 382 4,442 SH   SOLE   4,442 0 0
PEPSICO INC COM 713448108 335 2,053 SH   SOLE   2,052 0 0
PFIZER INC COM 717081103 871 19,907 SH   SOLE   19,907 0 0
PROCTER AND GAMBLE CO COM 742718109 787 6,236 SH   SOLE   6,236 0 0
QUALCOMM INC COM 747525103 328 2,900 SH   SOLE   2,900 0 0
SALESFORCE INC COM 79466L302 309 2,146 SH   SOLE   2,146 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 10,284 169,898 SH   SOLE   169,897 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 311 13,864 SH   SOLE   13,864 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 303 12,907 SH   SOLE   12,907 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 13,143 467,237 SH   SOLE   467,236 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 328 7,808 SH   SOLE   7,808 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 23,445 553,593 SH   SOLE   553,593 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 21,725 389,268 SH   SOLE   389,268 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 548 9,374 SH   SOLE   9,373 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 10,449 276,431 SH   SOLE   276,431 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 5,927 130,799 SH   SOLE   130,799 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,617 24,337 SH   SOLE   24,337 0 0
SERVICENOW INC COM 81762P102 473 1,253 SH   SOLE   1,253 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,996 5,588 SH   SOLE   5,587 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,661 4,135 SH   SOLE   4,135 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 1,009 26,155 SH   SOLE   26,154 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284 8,835 184,372 SH   SOLE   184,371 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721 8,681 197,336 SH   SOLE   197,336 0 0
SPDR SER TR S&P DIVID ETF 78464A763 306 2,740 SH   SOLE   2,740 0 0
TESLA INC COM 88160R101 4,405 16,608 SH   SOLE   16,607 0 0
TRACTOR SUPPLY CO COM 892356106 206 1,106 SH   SOLE   1,106 0 0
UNITEDHEALTH GROUP INC COM 91324P102 2,283 4,521 SH   SOLE   4,520 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 9,217 184,595 SH   SOLE   184,595 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 273 3,832 SH   SOLE   3,832 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 288 6,044 SH   SOLE   6,044 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 1,870 8,741 SH   SOLE   8,740 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,150 12,582 SH   SOLE   12,582 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 883 4,918 SH   SOLE   4,917 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 463 2,714 SH   SOLE   2,714 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 3,043 16,186 SH   SOLE   16,186 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 984 8,081 SH   SOLE   8,080 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,347 4,104 SH   SOLE   4,104 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 3,177 65,991 SH   SOLE   65,991 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 229 3,085 SH   SOLE   3,085 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 573 4,237 SH   SOLE   4,236 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 2,465 53,854 SH   SOLE   53,854 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,931 53,104 SH   SOLE   53,103 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 250 2,638 SH   SOLE   2,637 0 0
VEEVA SYS INC CL A COM 922475108 257 1,559 SH   SOLE   1,559 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 285 7,495 SH   SOLE   7,495 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100 200 692 SH   SOLE   691 0 0
VISA INC COM CL A 92826C839 124 700 SH Put SOLE   0 0 0
VISA INC COM CL A 92826C839 1,412 7,950 SH   SOLE   7,950 0 0
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 156 13,739 SH   SOLE   13,739 0 0
WALMART INC COM 931142103 331 2,552 SH   SOLE   2,552 0 0
WASTE MGMT INC DEL COM 94106L109 224 1,398 SH   SOLE   1,398 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578 276 11,207 SH   SOLE   11,207 0 0
WISDOMTREE TR INTL QULTY DIV 97717X131 1,260 47,872 SH   SOLE   47,872 0 0
WISDOMTREE TR US LARGECAP DIVD 97717W307 30,710 555,731 SH   SOLE   555,731 0 0