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
3M CO COM 88579Y101   338,497 2,305 SH   SOLE   397 0 1,908
ABBVIE INC COM 00287Y109   30,590 146 SH   DFND 1,442,676 0 23 123
ABBVIE INC COM 00287Y109   337,887 1,613 SH   SOLE   1,169 0 444
ABRDN ETFS BBRG ALL COMMDY 003261203   958,678 28,089 SH   SOLE   17,708 0 10,381
ALLSTATE CORP COM 020002101   207,070 1,000 SH   SOLE   1,000 0 0
ALPHABET INC CAP STK CL A 02079K305   37,578 243 SH   DFND 1,442,676 0 37 206
ALPHABET INC CAP STK CL A 02079K305   222,991 1,442 SH   SOLE   895 0 547
AMAZON COM INC COM 023135106   35,959 189 SH   DFND 1,442,676 0 29 160
AMAZON COM INC COM 023135106   4,857,909 25,533 SH   SOLE   14,680 0 10,853
AON PLC SHS CL A G0403H108   757,473 1,898 SH   SOLE   1,898 0 0
APPLE INC COM 037833100   48,202 217 SH   DFND 1,442,676 0 32 185
APPLE INC COM 037833100   10,972,059 49,395 SH   SOLE   29,673 0 19,722
APPLIED MATLS INC COM 038222105   14,512 100 SH   DFND 825,204 0 100 0
APPLIED MATLS INC COM 038222105   1,039,785 7,165 SH   SOLE   7,098 0 67
ASML HOLDING N V N Y REGISTRY SHS N07059210   33,132 50 SH   DFND 1,442,676 0 8 42
ASML HOLDING N V N Y REGISTRY SHS N07059210   300,834 454 SH   SOLE   239 0 215
AT&T INC COM 00206R102   656,948 23,230 SH   SOLE   3,975 0 19,255
AUTOMATIC DATA PROCESSING IN COM 053015103   39,108 128 SH   DFND 1,442,676 0 21 107
AUTOMATIC DATA PROCESSING IN COM 053015103   834,314 2,731 SH   SOLE   1,639 0 1,092
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   5,119,159 9,612 SH   SOLE   2,453 0 7,159
BERKSHIRE HATHAWAY INC DEL CL A 084670108   167,672,736 210 SH   SOLE   94 0 116
BLACKROCK INC COM 09290D101   656,064 693 SH   SOLE   546 0 147
CATERPILLAR INC COM 149123101   22,426 68 SH   DFND 1,442,676 0 9 59
CATERPILLAR INC COM 149123101   244,856 742 SH   SOLE   217 0 525
CHEVRON CORP NEW COM 166764100   390,464 2,334 SH   SOLE   887 0 1,447
CHUBB LIMITED COM H1467J104   52,244 173 SH   DFND 1,442,676 0 27 146
CHUBB LIMITED COM H1467J104   520,329 1,723 SH   SOLE   1,649 0 74
CISCO SYS INC COM 17275R102   24,684 400 SH   DFND 825,204 0 400 0
CISCO SYS INC COM 17275R102   51,651 837 SH   DFND 1,442,676 0 122 715
CISCO SYS INC COM 17275R102   292,267 4,736 SH   SOLE   1,513 0 3,223
COCA COLA CO COM 191216100   21,486 300 SH   DFND 825,204 0 300 0
COCA COLA CO COM 191216100   380,804 5,317 SH   SOLE   2,733 0 2,584
COINBASE GLOBAL INC COM CL A 19260Q107   1,382,490 8,027 SH   SOLE   5,268 0 2,759
CORNING INC COM 219350105   272,208 5,946 SH   SOLE   4,546 0 1,400
CSX CORP COM 126408103   396,355 13,468 SH   SOLE   8,785 0 4,683
DISNEY WALT CO COM 254687106   19,740 200 SH   DFND 825,204 0 200 0
DISNEY WALT CO COM 254687106   272,252 2,758 SH   SOLE   246 0 2,512
EATON CORP PLC SHS G29183103   272,917 1,004 SH   SOLE   350 0 654
ENTERPRISE PRODS PARTNERS L COM 293792107   933,002 27,329 SH   SOLE   21,151 0 6,177
EXXON MOBIL CORP COM 30231G102   23,786 200 SH   DFND 825,204 0 200 0
EXXON MOBIL CORP COM 30231G102   47,096 396 SH   DFND 1,442,676 0 55 341
EXXON MOBIL CORP COM 30231G102   2,337,552 19,655 SH   SOLE   6,701 0 12,954
FEDEX CORP COM 31428X106   246,532 1,011 SH   SOLE   790 0 221
FIRST TR NAS100 EQ WEIGHTED SHS 337344105   262,297 2,169 SH   SOLE   2,169 0 0
FRANKLIN TEMPLETON DIGITAL H BITCOIN ETF SHS 354921108   1,031,712 21,602 SH   SOLE   14,284 0 7,318
FRANKLIN TEMPLETON ETF TR FRANKLIN INDIA 35473P769   415,260 11,272 SH   SOLE   6,853 0 4,419
GRAYSCALE ETHEREUM MINI TR E SHS NEW 38964R203   557,050 32,349 SH   SOLE   19,148 0 13,201
INTERCONTINENTAL EXCHANGE IN COM 45866F104   51,578 299 SH   DFND 1,442,676 0 46 253
INTERCONTINENTAL EXCHANGE IN COM 45866F104   189,578 1,099 SH   SOLE   978 0 121
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   278,369 12,082 SH   SOLE   5,476 0 6,606
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   1,561,741 8,091 SH   SOLE   4,927 0 3,164
INVESCO EXCH TRADED FD TR II RUSEL 1000 EQL 46138E420   190,222 4,025 SH   DFND 1,442,676 0 605 3,420
INVESCO EXCH TRADED FD TR II RUSEL 1000 EQL 46138E420   120,986 2,560 SH   SOLE   845 0 1,715
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   676,141 9,049 SH   SOLE   7,153 0 1,896
INVESCO QQQ TR UNIT SER 1 46090E103   256,030 546 SH   SOLE   300 0 246
ISHARES GOLD TR SHARES REPRESENT 46436F103   1,138,702 36,532 SH   SOLE   23,979 0 12,553
ISHARES INC MSCI EMRG CHN 46434G764   362,933 6,588 SH   SOLE   3,415 0 3,173
ISHARES TR CORE MSCI TOTAL 46432F834   1,864,555 26,709 SH   SOLE   16,092 0 10,617
ISHARES TR CORE 1 5 YR USD 46432F859   282,026 5,833 SH   SOLE   2,858 0 2,975
ISHARES TR ESG AW MSCI EAFE 46435G516   253,647 3,105 SH   SOLE   1,338 0 1,767
ISHARES TR CORE MSCI INTL 46435G326   498,350 7,234 SH   SOLE   4,867 0 2,367
ISHARES TR ESG AWR MSCI USA 46435G425   275,639 2,261 SH   SOLE   306 0 1,955
ISHARES TR MSCI USA MMENTM 46432F396   263,173 1,302 SH   SOLE   712 0 590
ISHARES TR ISHS 5-10YR INVT 464288638   129,987 2,475 SH   DFND 1,442,676 0 389 2,086
ISHARES TR ISHS 5-10YR INVT 464288638   127,886 2,435 SH   SOLE   1,152 0 1,283
ISHARES TR MBS ETF 464288588   372,025 3,967 SH   DFND 1,442,676 0 616 3,351
ISHARES TR MBS ETF 464288588   230,886 2,462 SH   SOLE   749 0 1,713
ISHARES TR 3 7 YR TREAS BD 464288661   357,004 3,022 SH   DFND 1,442,676 0 470 2,552
ISHARES TR 3 7 YR TREAS BD 464288661   228,946 1,938 SH   SOLE   630 0 1,308
ISHARES TR SHRT NAT MUN ETF 464288158   622,618 5,896 SH   SOLE   3,053 0 2,843
ISHARES TR MRGSTR MD CP ETF 464288208   751,350 10,142 SH   SOLE   6,907 0 3,235
ISHARES TR MRGSTR MD CP GRW 464288307   270,434 3,786 SH   SOLE   3,786 0 0
ISHARES TR CORE S&P TTL STK 464287150   8,465,037 69,380 SH   SOLE   44,638 0 24,742
ISHARES TR ISHS 1-5YR INVS 464288646   281,279 5,371 SH   DFND 1,442,676 0 828 4,543
ISHARES TR ISHS 1-5YR INVS 464288646   194,816 3,720 SH   SOLE   1,127 0 2,593
ISHARES TR MSCI KLD400 SOC 464288570   622,038 6,074 SH   SOLE   2,756 0 3,318
ISHARES TR U S UTILITS ETF 464287697   210,345 2,074 SH   SOLE   0 0 2,074
ISHARES TR CORE S&P500 ETF 464287200   5,851,106 10,413 SH   SOLE   7,064 0 3,349
ISHARES TR U S TECH ETF 464287721   683,662 4,868 SH   SOLE   0 0 4,868
ISHARES TR MSCI EAFE ETF 464287465   200,402 2,452 SH   SOLE   0 0 2,452
ISHARES TR CORE US AGGBD ET 464287226   1,316,328 13,307 SH   SOLE   9,580 0 3,727
ISHARES TR 7-10 YR TRSY BD 464287440   177,960 1,866 SH   DFND 1,442,676 0 293 1,573
ISHARES TR 7-10 YR TRSY BD 464287440   141,529 1,484 SH   SOLE   396 0 1,088
ISHARES TR 20 YR TR BD ETF 464287432   128,170 1,408 SH   DFND 1,442,676 0 218 1,190
ISHARES TR 20 YR TR BD ETF 464287432   94,853 1,042 SH   SOLE   291 0 751
JOHNSON & JOHNSON COM 478160104   43,450 262 SH   DFND 1,442,676 0 43 219
JOHNSON & JOHNSON COM 478160104   6,225,195 37,537 SH   SOLE   2,687 0 34,850
JPMORGAN CHASE & CO COM 46625H100   36,304 148 SH   DFND 1,442,676 0 24 124
JPMORGAN CHASE & CO COM 46625H100   824,528 3,361 SH   SOLE   1,674 0 1,687
MASTERCARD INCORPORATED CL A 57636Q104   35,080 64 SH   DFND 1,442,676 0 10 54
MASTERCARD INCORPORATED CL A 57636Q104   632,807 1,155 SH   SOLE   12 0 1,143
MCDONALDS CORP COM 580135101   1,135,168 3,634 SH   SOLE   3,560 0 74
MICROSOFT CORP COM 594918104   30,031 80 SH   DFND 1,442,676 0 13 67
MICROSOFT CORP COM 594918104   3,220,481 8,579 SH   SOLE   5,155 0 3,424
MONDELEZ INTL INC CL A 609207105   20,355 300 SH   DFND 825,204 0 300 0
MONDELEZ INTL INC CL A 609207105   40,235 593 SH   DFND 1,442,676 0 94 499
MONDELEZ INTL INC CL A 609207105   341,965 5,040 SH   SOLE   4,679 0 361
NETFLIX INC COM 64110L106   1,225,344 1,314 SH   SOLE   485 0 829
NORFOLK SOUTHN CORP COM 655844108   586,069 2,474 SH   SOLE   1,000 0 1,474
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   437,115 5,584 SH   SOLE   2,071 0 3,513
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   284,523 7,027 SH   SOLE   3,153 0 3,874
NVIDIA CORPORATION COM 67066G104   32,514 300 SH   DFND 825,204 0 300 0
NVIDIA CORPORATION COM 67066G104   47,687 440 SH   DFND 1,442,676 0 74 366
NVIDIA CORPORATION COM 67066G104   3,303,389 30,480 SH   SOLE   24,710 0 5,769
ONEOK INC NEW COM 682680103   392,117 3,952 SH   SOLE   2,812 0 1,140
PHILIP MORRIS INTL INC COM 718172109   224,446 1,414 SH   SOLE   1,100 0 314
PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN 726503105   411,854 20,593 SH   SOLE   19,250 0 1,343
PROCTER AND GAMBLE CO COM 742718109   35,447 208 SH   DFND 1,442,676 0 34 174
PROCTER AND GAMBLE CO COM 742718109   1,122,783 6,588 SH   SOLE   4,709 0 1,879
RTX CORPORATION COM 75513E101   26,492 200 SH   DFND 825,204 0 200 0
RTX CORPORATION COM 75513E101   433,012 3,269 SH   SOLE   2,528 0 741
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   2,390,943 98,231 SH   SOLE   68,598 0 29,633
SCHWAB STRATEGIC TR INT-TRM U S TRES 808524854   1,095,332 44,060 SH   SOLE   25,845 0 18,215
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   862,714 32,928 SH   SOLE   13,708 0 19,220
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   363,042 18,354 SH   SOLE   1,446 0 16,908
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   701,747 31,782 SH   SOLE   0 0 31,782
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,027,452 43,852 SH   SOLE   27,599 0 16,253
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   266,489 3,263 SH   SOLE   0 0 3,263
SHOPIFY INC CL A 82509L107   507,190 5,312 SH   SOLE   4,064 0 1,248
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   542,046 13,768 SH   SOLE   10,410 0 3,358
SPDR S&P 500 ETF TR TR UNIT 78462F103   253,404 453 SH   DFND 1,442,676 0 72 381
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,671,872 4,776 SH   SOLE   347 0 4,429
SPDR SER TR PRTFLO S&P500 GW 78464A409   1,944,265 24,191 SH   SOLE   15,292 0 8,899
SPDR SER TR PORTFLI INTRMDIT 78464A672   353,220 12,359 SH   SOLE   5,231 0 7,128
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   360,040 3,925 SH   DFND 1,442,676 0 613 3,312
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   228,958 2,496 SH   SOLE   824 0 1,672
SPDR SER TR NUVEEN BLOOMBERG 78464A284   635,847 25,212 SH   SOLE   18,468 0 6,744
SPDR SER TR PORTFLI HIGH YLD 78468R606   1,444,452 61,676 SH   SOLE   40,066 0 21,610
STARBUCKS CORP COM 855244109   19,618 200 SH   DFND 825,204 0 200 0
STARBUCKS CORP COM 855244109   465,991 4,751 SH   SOLE   2,351 0 2,399
TESLA INC COM 88160R101   436,166 1,683 SH   SOLE   241 0 1,442
TRUIST FINL CORP COM 89832Q109   377,959 9,185 SH   SOLE   2,886 0 6,299
UNION PAC CORP COM 907818108   384,599 1,628 SH   SOLE   740 0 888
UNITEDHEALTH GROUP INC COM 91324P102   23,045 44 SH   DFND 1,442,676 0 7 37
UNITEDHEALTH GROUP INC COM 91324P102   1,644,815 3,140 SH   SOLE   2,148 0 993
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   253,083 5,184 SH   SOLE   4,117 0 1,067
VANGUARD INDEX FDS SMALL CP ETF 922908751   474,989 2,142 SH   SOLE   1,265 0 877
VANGUARD INDEX FDS VALUE ETF 922908744   687,851 3,982 SH   SOLE   2,367 0 1,615
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,680,981 33,687 SH   SOLE   22,271 0 11,416
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   2,916,416 58,775 SH   SOLE   35,571 0 23,204
VERIZON COMMUNICATIONS INC COM 92343V104   9,072 200 SH   DFND 825,204 0 200 0
VERIZON COMMUNICATIONS INC COM 92343V104   780,282 17,202 SH   SOLE   13,788 0 3,414
VISA INC COM CL A 92826C839   806,207 2,300 SH   SOLE   628 0 1,672