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
ABBVIE INC COM 00287Y109   710,815 4,398 SH   SOLE   0 0 4,398
ADOBE SYSTEMS INCORPORATED COM 00724F101   202,086 601 SH   SOLE   0 0 601
ALPHABET INC CAP STK CL C 02079K107   843,201 9,503 SH   SOLE   0 0 9,503
ALPHABET INC CAP STK CL A 02079K305   975,824 11,060 SH   SOLE   0 0 11,060
ALTRIA GROUP INC COM 02209S103   289,619 6,336 SH   SOLE   0 0 6,336
AMAZON COM INC COM 023135106   894,348 10,647 SH   SOLE   0 0 10,647
AMERICAN WTR WKS CO INC NEW COM 030420103   211,407 1,387 SH   SOLE   0 0 1,387
APPLE INC COM 037833100   5,817,288 44,772 SH   SOLE   0 0 44,772
APPLIED MATLS INC COM 038222105   339,077 3,482 SH   SOLE   0 0 3,482
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   693,172 2,244 SH   SOLE   0 0 2,244
BRISTOL-MYERS SQUIBB CO COM 110122108   315,630 4,387 SH   SOLE   0 0 4,387
CHEVRON CORP NEW COM 166764100   283,774 1,581 SH   SOLE   0 0 1,581
CISCO SYS INC COM 17275R102   241,088 5,061 SH   SOLE   0 0 5,061
COCA COLA CO COM 191216100   250,773 3,942 SH   SOLE   0 0 3,942
COSTCO WHSL CORP NEW COM 22160K105   296,725 650 SH   SOLE   0 0 650
DANAHER CORPORATION COM 235851102   409,631 1,543 SH   SOLE   0 0 1,543
DEERE & CO COM 244199105   374,736 874 SH   SOLE   0 0 874
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   278,121 6,684 SH   SOLE   0 0 6,684
DISNEY WALT CO COM 254687106   500,041 5,756 SH   SOLE   0 0 5,756
DUKE ENERGY CORP NEW COM NEW 26441C204   238,375 2,315 SH   SOLE   0 0 2,315
FORTINET INC COM 34959E109   522,194 10,681 SH   SOLE   0 0 10,681
GILEAD SCIENCES INC COM 375558103   1,380,554 16,081 SH   SOLE   0 0 16,081
GOLDMAN SACHS GROUP INC COM 38141G104   240,253 700 SH   SOLE   0 0 700
HOME DEPOT INC COM 437076102   475,685 1,506 SH   SOLE   0 0 1,506
HONEYWELL INTL INC COM 438516106   375,577 1,753 SH   SOLE   0 0 1,753
INTUITIVE SURGICAL INC COM NEW 46120E602   241,203 909 SH   SOLE   0 0 909
INVESCO QQQ TR UNIT SER 1 46090E103   390,899 1,468 SH   SOLE   0 0 1,468
ISHARES INC MSCI GBL MIN VOL 464286525   15,781,485 166,086 SH   SOLE   0 0 166,086
ISHARES INC CORE MSCI EMKT 46434G103   7,671,082 164,263 SH   SOLE   0 0 164,263
ISHARES INC MSCI EMERG MRKT 464286533   243,977 4,599 SH   SOLE   0 0 4,599
ISHARES TR NATIONAL MUN ETF 464288414   14,392,738 136,398 SH   SOLE   0 0 136,398
ISHARES TR CORE TOTAL USD 46434V613   214,855 4,782 SH   SOLE   0 0 4,782
ISHARES TR CORE HIGH DV ETF 46429B663   4,470,205 42,884 SH   SOLE   0 0 42,884
ISHARES TR CORE MSCI TOTAL 46432F834   4,662,292 80,551 SH   SOLE   0 0 80,551
ISHARES TR PFD AND INCM SEC 464288687   399,119 13,073 SH   SOLE   0 0 13,073
ISHARES TR CORE S&P TTL STK 464287150   7,759,245 91,501 SH   SOLE   0 0 91,501
ISHARES TR CORE S&P MCP ETF 464287507   18,154,150 75,051 SH   SOLE   0 0 75,051
ISHARES TR MSCI EAFE MIN VL 46429B689   225,218 3,542 SH   SOLE   0 0 3,542
ISHARES TR RUS 1000 GRW ETF 464287614   30,972,540 144,569 SH   SOLE   0 0 144,569
ISHARES TR EXPONENTIAL TECH 46434V381   2,863,029 60,478 SH   SOLE   0 0 60,478
ISHARES TR MSCI USA MIN VOL 46429B697   19,841,557 275,195 SH   SOLE   0 0 275,195
ISHARES TR RUS 1000 VAL ETF 464287598   1,392,071 9,180 SH   SOLE   0 0 9,180
ISHARES TR CORE S&P500 ETF 464287200   32,537,682 84,687 SH   SOLE   0 0 84,687
ISHARES TR CORE S&P SCP ETF 464287804   14,730,365 155,646 SH   SOLE   0 0 155,646
ISHARES TR CORE S&P US VLU 464287663   239,012 3,384 SH   SOLE   0 0 3,384
ISHARES TR CORE US AGGBD ET 464287226   15,105,064 155,738 SH   SOLE   0 0 155,738
ISHARES TR CORE MSCI EAFE 46432F842   3,648,841 59,196 SH   SOLE   0 0 59,196
ISHARES TR IBONDS DEC24 ETF 46434VBG4   211,844 8,675 PRN   SOLE   0 0 8,675
ISHARES TR US INFRASTRUC 46435U713   215,521 5,944 SH   SOLE   0 0 5,944
ISHARES TR SHRT NAT MUN ETF 464288158   934,885 8,966 SH   SOLE   0 0 8,966
ISHARES TR U S EQUITY FACTR 46434V282   377,461 9,676 SH   SOLE   0 0 9,676
ISHARES TR RUSSELL 2000 ETF 464287655   254,914 1,462 SH   SOLE   0 0 1,462
ISHARES TR S&P MC 400VL ETF 464287705   243,936 2,420 SH   SOLE   0 0 2,420
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   356,424 7,110 SH   SOLE   0 0 7,110
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   1,201,069 22,042 SH   SOLE   0 0 22,042
JOHNSON & JOHNSON COM 478160104   927,859 5,253 SH   SOLE   0 0 5,253
JPMORGAN CHASE & CO COM 46625H100   434,722 3,242 SH   SOLE   0 0 3,242
LILLY ELI & CO COM 532457108   321,390 879 SH   SOLE   0 0 879
MCDONALDS CORP COM 580135101   466,195 1,769 SH   SOLE   0 0 1,769
MERCK & CO INC COM 58933Y105   588,035 5,300 SH   SOLE   0 0 5,300
META PLATFORMS INC CL A 30303M102   525,404 4,366 SH   SOLE   0 0 4,366
MICROSOFT CORP COM 594918104   3,031,957 12,643 SH   SOLE   0 0 12,643
NEXTERA ENERGY INC COM 65339F101   2,208,861 26,422 SH   SOLE   0 0 26,422
PALO ALTO NETWORKS INC COM 697435105   206,380 1,479 SH   SOLE   0 0 1,479
PEPSICO INC COM 713448108   629,628 3,485 SH   SOLE   0 0 3,485
PFIZER INC COM 717081103   742,962 14,500 SH   SOLE   0 0 14,500
PROCTER AND GAMBLE CO COM 742718109   480,795 3,172 SH   SOLE   0 0 3,172
RAYTHEON TECHNOLOGIES CORP COM 75513E101   335,056 3,320 SH   SOLE   0 0 3,320
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,175,336 9,445 SH   SOLE   0 0 9,445
SPDR GOLD TR GOLD SHS 78463V107   243,433 1,435 SH   SOLE   0 0 1,435
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,790,920 4,683 SH   SOLE   0 0 4,683
STARBUCKS CORP COM 855244109   204,468 2,061 SH   SOLE   0 0 2,061
TESLA INC COM 88160R101   354,758 2,880 SH   SOLE   0 0 2,880
TEXAS INSTRS INC COM 882508104   271,800 1,645 SH   SOLE   0 0 1,645
TRANE TECHNOLOGIES PLC SHS G8994E103   338,701 2,015 SH   SOLE   0 0 2,015
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   202,940 1,000 SH   SOLE   0 0 1,000
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   10,192,326 141,875 SH   SOLE   0 0 141,875
VANGUARD INDEX FDS VALUE ETF 922908744   36,011,732 256,549 SH   SOLE   0 0 256,549
VANGUARD INDEX FDS TOTAL STK MKT 922908769   30,499,269 159,523 SH   SOLE   0 0 159,523
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,839,651 15,472 SH   SOLE   0 0 15,472
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   9,183,610 26,139 SH   SOLE   0 0 26,139
VANGUARD INDEX FDS GROWTH ETF 922908736   10,795,332 50,656 SH   SOLE   0 0 50,656
VANGUARD INDEX FDS MID CAP ETF 922908629   2,652,797 13,016 SH   SOLE   0 0 13,016
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,824,494 36,388 SH   SOLE   0 0 36,388
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,491,492 38,263 SH   SOLE   0 0 38,263
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,593,839 34,122 SH   SOLE   0 0 34,122
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   17,993,283 363,574 SH   SOLE   0 0 363,574
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   224,857 2,901 SH   SOLE   0 0 2,901
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   23,854,917 157,095 SH   SOLE   0 0 157,095
VANGUARD STAR FDS VG TL INTL STK F 921909768   12,520,080 242,074 SH   SOLE   0 0 242,074
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,096,718 26,131 SH   SOLE   0 0 26,131
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607   822,497 8,322 SH   SOLE   0 0 8,322
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   9,188,506 84,914 SH   SOLE   0 0 84,914
VANGUARD WORLD FD ESG US STK ETF 921910733   291,957 4,433 SH   SOLE   0 0 4,433
VERIZON COMMUNICATIONS INC COM 92343V104   268,799 6,822 SH   SOLE   0 0 6,822
VISA INC COM CL A 92826C839   500,777 2,410 SH   SOLE   0 0 2,410
WALMART INC COM 931142103   316,192 2,230 SH   SOLE   0 0 2,230