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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   11,153 93 SH   SOLE   0 0 93
AIR PRODS & CHEMS INC COM 009158106   38,532 125 SH   SOLE   0 0 125
ALPHATEC HLDGS INC COM NEW 02081G201   86,450 7,000 SH   SOLE   0 0 7,000
ALTRIA GROUP INC COM 02209S103   38,725 847 SH   SOLE   0 0 847
AMAZON COM INC COM 023135106   107,520 1,280 SH   SOLE   0 0 1,280
AMERICAN AIRLS GROUP INC COM 02376R102   15,925 1,252 SH   SOLE   0 0 1,252
AON PLC SHS CL A G0403H108   400,836 1,335 SH   SOLE   0 0 1,335
APPLE INC COM 037833100   1,563,587 12,034 SH   SOLE   0 0 12,034
AT&T INC COM 00206R102   17,490 950 SH   SOLE   0 0 950
AUTOMATIC DATA PROCESSING IN COM 053015103   25,319 106 SH   SOLE   0 0 106
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   36,141 117 SH   SOLE   0 0 117
BEYOND MEAT INC COM 08862E109   123 10 SH   SOLE   0 0 10
BRISTOL-MYERS SQUIBB CO COM 110122108   83,447 1,160 SH   SOLE   0 0 1,160
CHEVRON CORP NEW COM 166764100   58,334 325 SH   SOLE   0 0 325
COCA COLA CO COM 191216100   7,951 125 SH   SOLE   0 0 125
COMCAST CORP NEW CL A 20030N101   17,170 491 SH   SOLE   0 0 491
CONSTELLATION ENERGY CORP COM 21037T109   131,470 1,525 SH   SOLE   0 0 1,525
CORTEVA INC COM 22052L104   10,051 171 SH   SOLE   0 0 171
DEERE & CO COM 244199105   267,975 625 SH   SOLE   0 0 625
DIGITAL RLTY TR INC COM 253868103   4,612 46 SH   SOLE   0 0 46
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   320,839 9,583 SH   SOLE   0 0 9,583
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   116,704 2,282 SH   SOLE   0 0 2,282
DISNEY WALT CO COM 254687106   90,181 1,038 SH   SOLE   0 0 1,038
DOMINION ENERGY INC COM 25746U109   8,094 132 SH   SOLE   0 0 132
DOUGLAS ELLIMAN INC COM 25961D105   269 66 SH   SOLE   0 0 66
DOW INC COM 260557103   8,617 171 SH   SOLE   0 0 171
DUPONT DE NEMOURS INC COM 26614N102   11,667 170 SH   SOLE   0 0 170
ECOLAB INC COM 278865100   7,278 50 SH   SOLE   0 0 50
EMERSON ELEC CO COM 291011104   56,195 585 SH   SOLE   0 0 585
ETF MANAGERS TR ETHO CLIMATE LEA 26924G888   2,370 48 SH   SOLE   0 0 48
EXELON CORP COM 30161N101   197,902 4,578 SH   SOLE   0 0 4,578
EXXON MOBIL CORP COM 30231G102   23,714 215 SH   SOLE   0 0 215
GENERAL ELECTRIC CO COM NEW 369604301   5,195 62 SH   SOLE   0 0 62
GOLDMAN SACHS GROUP INC COM 38141G104   216,653 631 SH   SOLE   0 0 631
HEWLETT PACKARD ENTERPRISE C COM 42824C109   15,977 1,001 SH   SOLE   0 0 1,001
ISHARES TR COHEN STEER REIT 464287564   23,395 427 SH   SOLE   0 0 427
ISHARES TR CORE MSCI EAFE 46432F842   186,153 3,020 SH   SOLE   0 0 3,020
ISHARES TR CORE MSCI TOTAL 46432F834   4,640,413 80,173 SH   SOLE   0 0 80,173
ISHARES TR CORE S&P MCP ETF 464287507   3,110,782 12,860 SH   SOLE   0 0 12,860
ISHARES TR CORE S&P SCP ETF 464287804   4,290,688 45,337 SH   SOLE   0 0 45,337
ISHARES TR CORE S&P500 ETF 464287200   956,979 2,491 SH   SOLE   0 0 2,491
ISHARES TR EAFE SML CP ETF 464288273   11,062 196 SH   SOLE   0 0 196
ISHARES TR NATIONAL MUN ETF 464288414   1,726,518 16,362 SH   SOLE   0 0 16,362
ISHARES TR RUS 1000 GRW ETF 464287614   177,502 829 SH   SOLE   0 0 829
ISHARES TR RUS 1000 VAL ETF 464287598   8,774,125 57,858 SH   SOLE   0 0 57,858
ISHARES TR RUS 2000 GRW ETF 464287648   493,535 2,301 SH   SOLE   0 0 2,301
ISHARES TR RUSSELL 2000 ETF 464287655   73,901 424 SH   SOLE   0 0 424
ISHARES TR RUSSELL 3000 ETF 464287689   138,646 628 SH   SOLE   0 0 628
ISHARES TR S&P 500 GRWT ETF 464287309   269,802 4,612 SH   SOLE   0 0 4,612
ISHARES TR S&P 500 VAL ETF 464287408   250,536 1,727 SH   SOLE   0 0 1,727
ISHARES TR S&P SML 600 GWT 464287887   4,704,313 43,530 SH   SOLE   0 0 43,530
ISHARES TR SP SMCP600VL ETF 464287879   532,976 5,837 SH   SOLE   0 0 5,837
ISHARES TR U.S. TECH ETF 464287721   35,383 475 SH   SOLE   0 0 475
JOHNSON & JOHNSON COM 478160104   16,605 94 SH   SOLE   0 0 94
JPMORGAN CHASE & CO COM 46625H100   136,648 1,019 SH   SOLE   0 0 1,019
KRAFT HEINZ CO COM 500754106   3,094 76 SH   SOLE   0 0 76
LIBERTY MEDIA CORP DEL COM A SIRIUSXM 531229409   17,296 440 SH   SOLE   0 0 440
LIBERTY MEDIA CORP DEL COM C SIRIUSXM 531229607   34,434 880 SH   SOLE   0 0 880
LYFT INC CL A COM 55087P104   10,601 962 SH   SOLE   0 0 962
MCDONALDS CORP COM 580135101   271,860 1,032 SH   SOLE   0 0 1,032
META PLATFORMS INC CL A 30303M102   65,585 545 SH   SOLE   0 0 545
MONDELEZ INTL INC CL A 609207105   15,196 228 SH   SOLE   0 0 228
NETFLIX INC COM 64110L106   11,205 38 SH   SOLE   0 0 38
ON HLDG AG NAMEN AKT A H5919C104   1,716 100 SH   SOLE   0 0 100
ORACLE CORP COM 68389X105   122,743 1,502 SH   SOLE   0 0 1,502
PELOTON INTERACTIVE INC CL A COM 70614W100   794 100 SH   SOLE   0 0 100
PEPSICO INC COM 713448108   153,393 849 SH   SOLE   0 0 849
PHILIP MORRIS INTL INC COM 718172109   80,224 793 SH   SOLE   0 0 793
PINTEREST INC CL A 72352L106   36,420 1,500 SH   SOLE   0 0 1,500
PPL CORP COM 69351T106   44,531 1,524 SH   SOLE   0 0 1,524
PROCTER AND GAMBLE CO COM 742718109   125,711 829 SH   SOLE   0 0 829
QUALCOMM INC COM 747525103   13,742 125 SH   SOLE   0 0 125
SAGE THERAPEUTICS INC COM 78667J108   7,628 200 SH   SOLE   0 0 200
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   107,391 4,537 SH   SOLE   0 0 4,537
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   111,530 3,544 SH   SOLE   0 0 3,544
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   13,952,416 212,657 SH   SOLE   0 0 212,657
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   10,152 144 SH   SOLE   0 0 144
SMUCKER J M CO COM NEW 832696405   76,496 483 SH   SOLE   0 0 483
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   31,814 1,322 SH   SOLE   0 0 1,322
SPDR S&P 500 ETF TR TR UNIT 78462F103   542,286 1,418 SH   SOLE   0 0 1,418
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   52,865 119 SH   SOLE   0 0 119
SPLUNK INC COM 848637104   206,616 2,400 SH   SOLE   0 0 2,400
TELADOC HEALTH INC COM 87918A105   1,419 60 SH   SOLE   0 0 60
TESLA INC COM 88160R101   3,695 30 SH   SOLE   0 0 30
UNDER ARMOUR INC CL A 904311107   1,067 105 SH   SOLE   0 0 105
UNDER ARMOUR INC CL C 904311206   937 105 SH   SOLE   0 0 105
UNITED PARCEL SERVICE INC CL B 911312106   5,041 29 SH   SOLE   0 0 29
UNITEDHEALTH GROUP INC COM 91324P102   405,058 764 SH   SOLE   0 0 764
UNUM GROUP COM 91529Y106   5,252 128 SH   SOLE   0 0 128
UTZ BRANDS INC COM CL A 918090101   31,720 2,000 SH   SOLE   0 0 2,000
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   17,646,013 234,405 SH   SOLE   0 0 234,405
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   20,589,483 286,602 SH   SOLE   205 0 286,397
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   391,494 2,947 SH   SOLE   0 0 2,947
VANGUARD INDEX FDS GROWTH ETF 922908736   10,564,881 49,575 SH   SOLE   0 0 49,575
VANGUARD INDEX FDS LARGE CAP ETF 922908637   626,288 3,595 SH   SOLE   0 0 3,595
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,570,532 9,890 SH   SOLE   0 0 9,890
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,556,490 19,377 SH   SOLE   0 0 19,377
VANGUARD INDEX FDS TOTAL STK MKT 922908769   5,434,641 28,425 SH   SOLE   51 0 28,374
VANGUARD INDEX FDS VALUE ETF 922908744   3,234,894 23,045 SH   SOLE   0 0 23,045
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   15,659,102 312,308 SH   SOLE   0 0 312,308
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   4,519,206 115,937 SH   SOLE   0 0 115,937
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   132,668 2,393 SH   SOLE   0 0 2,393
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   123,616 1,921 SH   SOLE   0 0 1,921
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   1,170,697 11,387 SH   SOLE   0 0 11,387
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   7,301,209 84,711 SH   SOLE   0 0 84,711
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   10,629,477 214,780 SH   SOLE   0 0 214,780
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   91,260 601 SH   SOLE   0 0 601
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   240,345 2,221 SH   SOLE   0 0 2,221
VANGUARD WORLD FD ESG INTL STK ETF 921910725   8,116 165 SH   SOLE   0 0 165
VANGUARD WORLD FD ESG US STK ETF 921910733   38,528 585 SH   SOLE   0 0 585
VANGUARD WORLD FD MEGA CAP INDEX 921910873   105,064 794 SH   SOLE   0 0 794
VECTOR GROUP LTD COM 92240M108   1,586 134 SH   SOLE   0 0 134
VERIZON COMMUNICATIONS INC COM 92343V104   78,524 1,993 SH   SOLE   0 0 1,993
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   1,892 187 SH   SOLE   0 0 187
WARNER BROS DISCOVERY INC COM SER A 934423104   2,171 229 SH   SOLE   0 0 229
WELLS FARGO CO NEW COM 949746101   14,452 350 SH   SOLE   0 0 350
WISDOMTREE TR INTL LRGCAP DV 97717W794   98,872 2,247 SH   SOLE   0 0 2,247
ZILLOW GROUP INC CL A 98954M101   31,210 1,000 SH   SOLE   0 0 1,000