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
ADOBE INC COM 00724F101 BBG001S5NCQ5 632,128 1,792 SH   SOLE   0 0 1,792
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 624,599 9,455 SH   SOLE   0 0 9,455
AMAZON COM INC COM 023135106 BBG001S5PQL7 431,675 1,966 SH   SOLE   0 0 1,966
APPLE INC COM 037833100 BBG001S5N8V8 4,034,904 15,846 SH   SOLE   0 0 15,846
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 1,112,902 21,572 SH   SOLE   0 0 21,572
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 4,706,878 9,362 SH   SOLE   0 0 9,362
BOEING CO COM 097023105 BBG001S5P0V3 563,561 2,611 SH   SOLE   0 0 2,611
CAPITAL GROUP CORE BALANCED SHS 14021D107 BBG01J9W1K83 260,061 7,490 SH   SOLE   0 0 7,490
CAPITAL GRP FIXED INCM ETF T MUNICIPAL INCOME 14020Y201 BBG019XRCM29 4,530,105 165,999 SH   SOLE   0 0 165,999
CAPITAL GRP FIXED INCM ETF T US MULTI-SECTOR 14020Y300 BBG019XS8NR3 13,872,224 499,900 SH   SOLE   0 0 499,900
CISCO SYS INC COM 17275R102 BBG001S6HC62 302,885 4,427 SH   SOLE   0 0 4,427
COCA-COLA EUROPACIFIC PARTNE SHS G25839104 BBG00B6BFX96 265,353 2,935 SH   SOLE   0 0 2,935
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 1,240,581 1,340 SH   SOLE   0 0 1,340
CROWDSTRIKE HLDGS INC CL A 22788C105 BBG00BLYKRZ7 499,207 1,018 SH   SOLE   0 0 1,018
DEERE & CO COM 244199105 BBG001S5QFF7 1,783,037 3,899 SH   SOLE   0 0 3,899
DIMENSIONAL ETF TRUST GLOBAL SUSTAINA 25434V674 BBG01BGVG000 1,080,271 20,279 SH   SOLE   0 0 20,279
EA SERIES TRUST FREEDOM 100 EM 02072L607 BBG00P7KKMR2 372,855 8,415 SH   SOLE   0 0 8,415
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 655,900 5,000 SH   SOLE   0 0 5,000
ETFS GOLD TR PHYSCL GOLD SHS 00326A104 BBG001SCTFP8 331,290 9,000 SH   SOLE   0 0 9,000
FIRST TR EXCHANGE-TRADED FD SHS 33734H106 BBG001SLWD88 247,677 5,356 SH   SOLE   0 0 5,356
HOME DEPOT INC COM 437076102 BBG001S5RTW7 270,623 668 SH   SOLE   0 0 668
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 397,683 1,409 SH   SOLE   0 0 1,409
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 229,880 383 SH   SOLE   0 0 383
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 29,946,940 362,642 SH   SOLE   0 0 362,642
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 1,039,942 1,554 SH   SOLE   0 0 1,554
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 22,166,338 474,552 SH   SOLE   0 0 474,552
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 1,912,321 19,076 SH   SOLE   0 0 19,076
ISHARES TR ESG ADV TTL USD 46436E619 BBG00VJ13GZ1 1,374,355 31,292 SH   SOLE   0 0 31,292
ISHARES TR ESG EAFE ETF 46436E759 BBG00VHK1HS9 853,018 11,262 SH   SOLE   0 0 11,262
ISHARES TR ESG MSCI USA ETF 46436E767 BBG00VHK2B74 2,049,049 35,754 SH   SOLE   0 0 35,754
ISHARES TR INTL TREA BD ETF 464288117 BBG001T33MN2 415,350 9,750 SH   SOLE   0 0 9,750
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 419,787 4,412 SH   SOLE   0 0 4,412
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 20,975,797 107,845 SH   SOLE   0 0 107,845
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 11,642,167 109,326 SH   SOLE   0 0 109,326
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 506,736 1,082 SH   SOLE   0 0 1,082
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 626,960 3,080 SH   SOLE   0 0 3,080
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 358,202 2,026 SH   SOLE   0 0 2,026
ISHARES TR RUS MD CP GR ETF 464287481 BBG001S561Z8 542,680 3,811 SH   SOLE   0 0 3,811
ISHARES TR RUS MDCP VAL ETF 464287473 BBG001S561V2 558,647 4,000 SH   SOLE   0 0 4,000
ISHARES TR S&P 100 ETF 464287101 BBG001SGB026 440,347 1,323 SH   SOLE   0 0 1,323
ISHARES U S ETF TR SHORT MATURITY M 46431W838 BBG0087DRNC3 331,390 6,561 SH   SOLE   0 0 6,561
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 840,101 14,713 SH   SOLE   0 0 14,713
J P MORGAN EXCHANGE TRADED F HEDGED EQUITY LA 46654Q724 BBG01J345HV8 12,241,441 188,330 SH   SOLE   0 0 188,330
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 BBG00M8D48L9 6,668,356 132,125 SH   SOLE   0 0 132,125
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 BBG016NKZFF7 720,720 12,530 SH   SOLE   0 0 12,530
J P MORGAN EXCHANGE TRADED F SUSTAINABLE MUNI 46654Q815 BBG01H50MGJ5 447,481 8,910 SH   SOLE   0 0 8,910
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 BBG00GP26NW0 5,314,790 104,766 SH   SOLE   0 0 104,766
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 BBG00M8D2458 2,394,072 46,906 SH   SOLE   0 0 46,906
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 BBG00J5DPW97 256,076 4,071 SH   SOLE   0 0 4,071
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 381,576 2,058 SH   SOLE   0 0 2,058
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 342,637 1,086 SH   SOLE   0 0 1,086
LOWES COS INC COM 548661107 BBG001S5SVL3 253,846 1,010 SH   SOLE   0 0 1,010
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 220,563 388 SH   SOLE   0 0 388
MERCADOLIBRE INC COM 58733R102 BBG001SM32G3 241,154 103 SH   SOLE   0 0 103
MICROSOFT CORP COM 594918104 BBG001S5TD05 24,259,262 46,837 SH   SOLE   0 0 46,837
MORGAN STANLEY ETF TRUST CALVERT US LARCP 61774R205 BBG01DPGKH16 1,614,545 19,721 SH   SOLE   0 0 19,721
NETFLIX INC COM 64110L106 BBG001SF6L46 434,009 362 SH   SOLE   0 0 362
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 322,249 4,269 SH   SOLE   0 0 4,269
NISOURCE INC COM 65473P105 BBG001S5TMF9 275,967 6,373 SH   SOLE   0 0 6,373
NOKIA CORP SPONSORED ADR 654902204 BBG001SCPCG9 114,666 23,839 SH   SOLE   0 0 23,839
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 BBG00FJ5GY57 848,989 8,537 SH   SOLE   0 0 8,537
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 837,792 4,490 SH   SOLE   0 0 4,490
PEPSICO INC COM 713448108 BBG001S695T1 232,506 1,656 SH   SOLE   0 0 1,656
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 755,173 4,656 SH   SOLE   0 0 4,656
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 BBG005VLSHH1 301,354 3,134 SH   SOLE   0 0 3,134
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 BBG001T6Q6C7 1,183,071 23,395 SH   SOLE   0 0 23,395
PNC FINL SVCS GROUP INC COM 693475105 BBG001S5V947 208,766 1,039 SH   SOLE   0 0 1,039
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 445,617 2,900 SH   SOLE   0 0 2,900
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 2,983,897 116,060 SH   SOLE   0 0 116,060
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 17,787,563 651,559 SH   SOLE   0 0 651,559
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 18,501,457 579,801 SH   SOLE   0 0 579,801
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 231,576 10,736 SH   SOLE   0 0 10,736
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 3,364,159 124,830 SH   SOLE   0 0 124,830
SELECTIVE INS GROUP INC COM 816300107 BBG001S5W2R6 533,035 6,575 SH   SOLE   0 0 6,575
SIMON PPTY GROUP INC NEW COM 828806109 BBG001S77WM9 208,793 1,113 SH   SOLE   0 0 1,113
SOUTHERN CO COM 842587107 BBG001S5W777 711,449 7,507 SH   SOLE   0 0 7,507
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 278,915 419 SH   SOLE   0 0 419
STARBUCKS CORP COM 855244109 BBG001S72KH6 684,321 8,089 SH   SOLE   0 0 8,089
TIDAL TRUST III AFFORDABLE HOUS 74741A106 BBG01LYMQ3P4 605,630 34,826 SH   SOLE   0 0 34,826
T-MOBILE US INC COM 872590104 BBG001SKR9Y6 498,663 2,083 SH   SOLE   0 0 2,083
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 1,765,759 35,701 SH   SOLE   0 0 35,701
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 392,909 1,883 SH   SOLE   0 0 1,883
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 33,672,622 102,607 SH   SOLE   0 0 102,607
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 956,919 13,408 SH   SOLE   0 0 13,408
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 BBG001SHTV18 223,070 2,795 SH   SOLE   0 0 2,795
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 585,796 11,570 SH   SOLE   0 0 11,570
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 BBG001T62MC8 2,301,453 40,476 SH   SOLE   0 0 40,476
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 744,121 12,419 SH   SOLE   0 0 12,419
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 BBG001SHVTQ3 917,189 2,315 SH   SOLE   0 0 2,315
VANGUARD WORLD FD ESG INTL STK ETF 921910725 BBG00M0P2VR5 1,175,527 16,946 SH   SOLE   0 0 16,946
VANGUARD WORLD FD ESG US CORP BD 921910691 BBG00XGJM879 226,603 3,530 SH   SOLE   0 0 3,530
VANGUARD WORLD FD ESG US STK ETF 921910733 BBG00M0P2SP4 1,970,772 16,639 SH   SOLE   0 0 16,639
VANGUARD WORLD FD INF TECH ETF 92204A702 BBG001SHTTR5 371,403 497 SH   SOLE   0 0 497
WALMART INC COM 931142103 BBG001S5XH92 224,100 2,174 SH   SOLE   0 0 2,174
WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 229,833 2,742 SH   SOLE   0 0 2,742
WISDOMTREE TR EM EX ST-OWNED 97717X578 BBG007PB9N20 1,364,944 35,976 SH   SOLE   0 0 35,976