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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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   10,460 99 SH   SOLE   0 0 99
AIR PRODS & CHEMS INC COM 009158106   31,102 128 SH   SOLE   0 0 128
ALPHATEC HLDGS INC COM NEW 02081G201   75,845 5,500 SH   SOLE   0 0 5,500
ALTRIA GROUP INC COM 02209S103   40,280 923 SH   SOLE   0 0 923
AMAZON COM INC COM 023135106   230,887 1,280 SH   SOLE   0 0 1,280
AMPLIFY ETF TR AMPLIFY ETHO CLI 032108557   4,982 85 SH   SOLE   0 0 85
AON PLC SHS CL A G0403H108   445,683 1,335 SH   SOLE   0 0 1,335
APPLE INC COM 037833100   1,689,517 9,853 SH   SOLE   0 0 9,853
AT&T INC COM 00206R102   16,720 950 SH   SOLE   0 0 950
AUTOMATIC DATA PROCESSING IN COM 053015103   22,335 89 SH   SOLE   0 0 89
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   49,201 117 SH   SOLE   0 0 117
BEYOND MEAT INC COM 08862E109   83 10 SH   SOLE   0 0 10
BLINK CHARGING CO COM 09354A100   3,010 1,000 SH   SOLE   0 0 1,000
CHEVRON CORP NEW COM 166764100   48,872 310 SH   SOLE   0 0 310
COCA COLA CO COM 191216100   7,888 129 SH   SOLE   0 0 129
COMCAST CORP NEW CL A 20030N101   21,285 491 SH   SOLE   0 0 491
CONSTELLATION ENERGY CORP COM 21037T109   281,897 1,525 SH   SOLE   0 0 1,525
CORTEVA INC COM 22052L104   9,981 173 SH   SOLE   0 0 173
DEERE & CO COM 244199105   260,235 634 SH   SOLE   0 0 634
DIGITAL RLTY TR INC COM 253868103   6,968 48 SH   SOLE   0 0 48
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   334,700 8,183 SH   SOLE   0 0 8,183
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   143,105 2,296 SH   SOLE   0 0 2,296
DISNEY WALT CO COM 254687106   4,666 38 SH   SOLE   0 0 38
DOMINION ENERGY INC COM 25746U109   6,855 139 SH   SOLE   0 0 139
DOUGLAS ELLIMAN INC COM 25961D105   110 69 SH   SOLE   0 0 69
DOW INC COM 260557103   10,434 180 SH   SOLE   0 0 180
DUPONT DE NEMOURS INC COM 26614N102   13,298 173 SH   SOLE   0 0 173
ECOLAB INC COM 278865100   11,686 51 SH   SOLE   0 0 51
EMERSON ELEC CO COM 291011104   43,478 383 SH   SOLE   0 0 383
EXELON CORP COM 30161N101   171,991 4,578 SH   SOLE   0 0 4,578
EXXON MOBIL CORP COM 30231G102   22,353 192 SH   SOLE   0 0 192
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   1,822 20 SH   SOLE   0 0 20
GENERAL ELECTRIC CO COM NEW 369604301   10,914 62 SH   SOLE   0 0 62
GOLDMAN SACHS GROUP INC COM 38141G104   205,063 491 SH   SOLE   0 0 491
INTERNATIONAL BUSINESS MACHS COM 459200101   64,621 338 SH   SOLE   0 0 338
ISHARES TR COHEN STEER REIT 464287564   21,597 374 SH   SOLE   0 0 374
ISHARES TR CORE MSCI EAFE 46432F842   231,488 3,119 SH   SOLE   0 0 3,119
ISHARES TR CORE MSCI TOTAL 46432F834   6,391,253 94,183 SH   SOLE   0 0 94,183
ISHARES TR CORE S&P MCP ETF 464287507   3,770,093 62,069 SH   SOLE   0 0 62,069
ISHARES TR CORE S&P SCP ETF 464287804   3,631,565 32,859 SH   SOLE   0 0 32,859
ISHARES TR CORE S&P500 ETF 464287200   1,288,388 2,451 SH   SOLE   0 0 2,451
ISHARES TR EAFE SML CP ETF 464288273   12,777 202 SH   SOLE   0 0 202
ISHARES TR RUS 1000 GRW ETF 464287614   276,139 819 SH   SOLE   0 0 819
ISHARES TR RUS 1000 VAL ETF 464287598   9,759,684 54,490 SH   SOLE   0 0 54,490
ISHARES TR RUS 2000 GRW ETF 464287648   644,411 2,380 SH   SOLE   0 0 2,380
ISHARES TR RUSSELL 2000 ETF 464287655   90,582 431 SH   SOLE   0 0 431
ISHARES TR RUSSELL 3000 ETF 464287689   191,699 639 SH   SOLE   0 0 639
ISHARES TR S&P 500 GRWT ETF 464287309   436,704 5,172 SH   SOLE   0 0 5,172
ISHARES TR S&P 500 VAL ETF 464287408   330,004 1,767 SH   SOLE   0 0 1,767
ISHARES TR S&P SML 600 GWT 464287887   7,035,899 53,820 SH   SOLE   0 0 53,820
ISHARES TR SP SMCP600VL ETF 464287879   611,524 5,951 SH   SOLE   0 0 5,951
ISHARES TR U.S. TECH ETF 464287721   64,393 477 SH   SOLE   0 0 477
JOHNSON & JOHNSON COM 478160104   15,320 97 SH   SOLE   0 0 97
JPMORGAN CHASE & CO COM 46625H100   209,697 1,047 SH   SOLE   0 0 1,047
KRAFT HEINZ CO COM 500754106   2,931 79 SH   SOLE   0 0 79
LI-CYCLE HOLDINGS CORP COMMON SHARES 50202P105   8,240 8,000 SH   SOLE   0 0 8,000
LYFT INC CL A COM 55087P104   18,615 962 SH   SOLE   0 0 962
MCDONALDS CORP COM 580135101   286,370 1,016 SH   SOLE   0 0 1,016
META PLATFORMS INC CL A 30303M102   264,903 546 SH   SOLE   0 0 546
MONDELEZ INTL INC CL A 609207105   16,338 233 SH   SOLE   0 0 233
NETFLIX INC COM 64110L106   23,079 38 SH   SOLE   0 0 38
NOVO-NORDISK A S ADR 670100205   14,766 115 SH   SOLE   0 0 115
ON HLDG AG NAMEN AKT A H5919C104   3,538 100 SH   SOLE   0 0 100
ORACLE CORP COM 68389X105   191,476 1,524 SH   SOLE   0 0 1,524
PELOTON INTERACTIVE INC CL A COM 70614W100   429 100 SH   SOLE   0 0 100
PEPSICO INC COM 713448108   129,967 743 SH   SOLE   0 0 743
PHILIP MORRIS INTL INC COM 718172109   76,592 836 SH   SOLE   0 0 836
PINTEREST INC CL A 72352L106   52,005 1,500 SH   SOLE   0 0 1,500
PPL CORP COM 69351T106   41,956 1,524 SH   SOLE   0 0 1,524
PROCTER AND GAMBLE CO COM 742718109   137,867 850 SH   SOLE   0 0 850
QUALCOMM INC COM 747525103   21,687 128 SH   SOLE   0 0 128
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   119,159 4,719 SH   SOLE   0 0 4,719
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   130,874 3,656 SH   SOLE   0 0 3,656
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   18,816,667 231,078 SH   SOLE   0 0 231,078
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   38,643 1,361 SH   SOLE   0 0 1,361
SPDR S&P 500 ETF TR TR UNIT 78462F103   747,769 1,430 SH   SOLE   0 0 1,430
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   67,532 121 SH   SOLE   0 0 121
SPROTT FDS TR URANIUM MINERS E 85208P303   16,433 333 SH   SOLE   0 0 333
TESLA INC COM 88160R101   5,274 30 SH   SOLE   0 0 30
UNITED PARCEL SERVICE INC CL B 911312106   4,487 30 SH   SOLE   0 0 30
UNITEDHEALTH GROUP INC COM 91324P102   350,922 709 SH   SOLE   0 0 709
UNUM GROUP COM 91529Y106   7,082 132 SH   SOLE   0 0 132
UTZ BRANDS INC COM CL A 918090101   30,868 1,674 SH   SOLE   0 0 1,674
VANECK BITCOIN TR SH BEN INT 92189K105   26,593 331 SH   SOLE   0 0 331
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   20,612,922 268,853 SH   SOLE   0 0 268,853
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   43,627,036 600,675 SH   SOLE   0 0 600,675
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   529,914 3,023 SH   SOLE   0 0 3,023
VANGUARD INDEX FDS GROWTH ETF 922908736   19,290,551 56,045 SH   SOLE   0 0 56,045
VANGUARD INDEX FDS LARGE CAP ETF 922908637   344,766 1,438 SH   SOLE   0 0 1,438
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,958,939 10,209 SH   SOLE   0 0 10,209
VANGUARD INDEX FDS SMALL CP ETF 922908751   4,792,878 20,967 SH   SOLE   0 0 20,967
VANGUARD INDEX FDS TOTAL STK MKT 922908769   7,591,979 29,211 SH   SOLE   0 0 29,211
VANGUARD INDEX FDS VALUE ETF 922908744   3,482,512 21,383 SH   SOLE   0 0 21,383
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   17,794,668 303,404 SH   SOLE   0 0 303,404
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,555,598 156,945 SH   SOLE   0 0 156,945
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   167,508 2,487 SH   SOLE   0 0 2,487
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   151,360 1,991 SH   SOLE   0 0 1,991
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,203,193 18,856 SH   SOLE   0 0 18,856
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   8,945,194 80,952 SH   SOLE   0 0 80,952
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   13,269,073 262,235 SH   SOLE   0 0 262,235
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   14,416,754 179,068 SH   SOLE   0 0 179,068
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   112,447 616 SH   SOLE   0 0 616
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   253,242 2,093 SH   SOLE   0 0 2,093
VANGUARD WORLD FD ENERGY ETF 92204A306   13,480 102 SH   SOLE   0 0 102
VANGUARD WORLD FD ESG INTL STK ETF 921910725   18,727 326 SH   SOLE   0 0 326
VANGUARD WORLD FD ESG US STK ETF 921910733   80,851 868 SH   SOLE   0 0 868
VECTOR GROUP LTD COM 92240M108   1,466 134 SH   SOLE   0 0 134
VERIZON COMMUNICATIONS INC COM 92343V104   41,044 978 SH   SOLE   0 0 978
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   1,665 187 SH   SOLE   0 0 187
WARNER BROS DISCOVERY INC COM SER A 934423104   2,000 229 SH   SOLE   0 0 229
WELLS FARGO CO NEW COM 949746101   17,340 299 SH   SOLE   0 0 299
WISDOMTREE TR INTL LRGCAP DV 97717W794   121,119 2,342 SH   SOLE   0 0 2,342
ZILLOW GROUP INC CL A 98954M101   47,860 1,000 SH   SOLE   0 0 1,000