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   641,554 4,304 SH   SOLE   0 0 4,304
ADOBE INC COM 00724F101   353,106 693 SH   SOLE   0 0 693
ALPHABET INC CAP STK CL A 02079K305   1,680,504 12,842 SH   SOLE   0 0 12,842
ALPHABET INC CAP STK CL C 02079K107   1,344,606 10,198 SH   SOLE   0 0 10,198
ALTRIA GROUP INC COM 02209S103   297,294 7,070 SH   SOLE   0 0 7,070
AMAZON COM INC COM 023135106   1,554,296 12,227 SH   SOLE   0 0 12,227
APPLE INC COM 037833100   7,670,170 44,800 SH   SOLE   0 0 44,800
APPLIED MATLS INC COM 038222105   576,644 4,165 SH   SOLE   0 0 4,165
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   809,894 2,312 SH   SOLE   0 0 2,312
BRISTOL-MYERS SQUIBB CO COM 110122108   209,110 3,603 SH   SOLE   0 0 3,603
BROADCOM INC COM 11135F101   235,330 283 SH   SOLE   0 0 283
CHEVRON CORP NEW COM 166764100   380,913 2,259 SH   SOLE   0 0 2,259
CISCO SYS INC COM 17275R102   283,683 5,277 SH   SOLE   0 0 5,277
COCA COLA CO COM 191216100   266,280 4,757 SH   SOLE   0 0 4,757
COMCAST CORP NEW CL A 20030N101   302,798 6,829 SH   SOLE   0 0 6,829
COSTCO WHSL CORP NEW COM 22160K105   843,485 1,493 SH   SOLE   0 0 1,493
CSX CORP COM 126408103   244,001 7,935 SH   SOLE   0 0 7,935
DANAHER CORPORATION COM 235851102   430,287 1,734 SH   SOLE   0 0 1,734
DEERE & CO COM 244199105   329,830 874 SH   SOLE   0 0 874
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   311,140 6,684 SH   SOLE   0 0 6,684
DISNEY WALT CO COM 254687106   400,836 4,946 SH   SOLE   0 0 4,946
DUKE ENERGY CORP NEW COM NEW 26441C204   264,211 2,994 SH   SOLE   0 0 2,994
ELI LILLY & CO COM 532457108   543,307 1,012 SH   SOLE   0 0 1,012
FORTINET INC COM 34959E109   630,986 10,753 SH   SOLE   0 0 10,753
GILEAD SCIENCES INC COM 375558103   1,054,406 14,070 SH   SOLE   0 0 14,070
GOLDMAN SACHS GROUP INC COM 38141G104   226,392 700 SH   SOLE   0 0 700
HOME DEPOT INC COM 437076102   469,355 1,553 SH   SOLE   0 0 1,553
HONEYWELL INTL INC COM 438516106   249,136 1,349 SH   SOLE   0 0 1,349
INTUITIVE SURGICAL INC COM NEW 46120E602   301,643 1,032 SH   SOLE   0 0 1,032
INVESCO QQQ TR UNIT SER 1 46090E103   626,256 1,748 SH   SOLE   0 0 1,748
ISHARES INC CORE MSCI EMKT 46434G103   7,916,168 166,341 SH   SOLE   0 0 166,341
ISHARES INC MSCI GBL MIN VOL 464286525   14,361,475 150,508 SH   SOLE   0 0 150,508
ISHARES TR IBONDS DEC25 ETF 46434VBD1   382,122 15,680 PRN   SOLE   0 0 15,680
ISHARES TR CORE S&P SCP ETF 464287804   15,337,430 162,593 SH   SOLE   0 0 162,593
ISHARES TR CORE US AGGBD ET 464287226   25,795,384 274,302 SH   SOLE   0 0 274,302
ISHARES TR CORE S&P US VLU 464287663   228,113 3,057 SH   SOLE   0 0 3,057
ISHARES TR IBONDS DEC24 ETF 46434VBG4   391,031 15,812 PRN   SOLE   0 0 15,812
ISHARES TR CORE HIGH DV ETF 46429B663   3,407,314 34,456 SH   SOLE   0 0 34,456
ISHARES TR CORE MSCI TOTAL 46432F834   5,185,172 86,434 SH   SOLE   0 0 86,434
ISHARES TR CORE TOTAL USD 46434V613   209,045 4,782 SH   SOLE   0 0 4,782
ISHARES TR CORE S&P TTL STK 464287150   8,178,423 86,829 SH   SOLE   0 0 86,829
ISHARES TR CORE S&P MCP ETF 464287507   19,307,171 77,430 SH   SOLE   0 0 77,430
ISHARES TR EXPONENTIAL TECH 46434V381   2,432,151 46,584 SH   SOLE   0 0 46,584
ISHARES TR CORE S&P500 ETF 464287200   33,943,813 79,044 SH   SOLE   0 0 79,044
ISHARES TR CORE MSCI EAFE 46432F842   4,191,823 65,141 SH   SOLE   0 0 65,141
ISHARES TR U S EQUITY FACTR 46434V282   361,029 8,334 SH   SOLE   0 0 8,334
ISHARES TR S&P MC 400VL ETF 464287705   244,251 2,420 SH   SOLE   0 0 2,420
ISHARES TR RUS 1000 VAL ETF 464287598   1,419,897 9,353 SH   SOLE   0 0 9,353
ISHARES TR RUS 1000 GRW ETF 464287614   34,303,640 128,966 SH   SOLE   0 0 128,966
ISHARES TR RUSSELL 2000 ETF 464287655   235,771 1,334 SH   SOLE   0 0 1,334
ISHARES TR NATIONAL MUN ETF 464288414   12,726,874 124,116 SH   SOLE   0 0 124,116
ISHARES TR MSCI USA MIN VOL 46429B697   17,170,810 237,231 SH   SOLE   0 0 237,231
ISHARES TR IBONDS DEC 29 46436E205   270,159 12,336 SH   SOLE   0 0 12,336
ISHARES TR PFD AND INCM SEC 464288687   241,592 8,013 SH   SOLE   0 0 8,013
ISHARES TR US INFRASTRUC 46435U713   218,442 5,970 SH   SOLE   0 0 5,970
ISHARES TR IBONDS DEC2026 46435GAA0   300,108 12,861 PRN   SOLE   0 0 12,861
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   2,910,450 54,340 SH   SOLE   0 0 54,340
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   1,838,302 38,005 SH   SOLE   0 0 38,005
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   283,918 5,658 SH   SOLE   0 0 5,658
JOHNSON & JOHNSON COM 478160104   905,856 5,816 SH   SOLE   0 0 5,816
JPMORGAN CHASE & CO COM 46625H100   918,378 6,333 SH   SOLE   0 0 6,333
LOCKHEED MARTIN CORP COM 539830109   208,365 510 SH   SOLE   0 0 510
MASTERCARD INCORPORATED CL A 57636Q104   215,375 544 SH   SOLE   0 0 544
MCDONALDS CORP COM 580135101   442,590 1,680 SH   SOLE   0 0 1,680
MERCK & CO INC COM 58933Y105   569,108 5,528 SH   SOLE   0 0 5,528
META PLATFORMS INC CL A 30303M102   1,413,689 4,709 SH   SOLE   0 0 4,709
MICROSOFT CORP COM 594918104   4,179,783 13,238 SH   SOLE   0 0 13,238
NEXTERA ENERGY INC COM 65339F101   1,426,508 24,900 SH   SOLE   0 0 24,900
NVIDIA CORPORATION COM 67066G104   510,243 1,173 SH   SOLE   0 0 1,173
PALO ALTO NETWORKS INC COM 697435105   346,737 1,479 SH   SOLE   0 0 1,479
PEPSICO INC COM 713448108   590,186 3,483 SH   SOLE   0 0 3,483
PFIZER INC COM 717081103   501,917 15,132 SH   SOLE   0 0 15,132
PHILIP MORRIS INTL INC COM 718172109   218,335 2,358 SH   SOLE   0 0 2,358
PROCTER AND GAMBLE CO COM 742718109   770,269 5,281 SH   SOLE   0 0 5,281
RTX CORPORATION COM 75513E101   245,922 3,417 SH   SOLE   0 0 3,417
S&P GLOBAL INC COM 78409V104   214,130 586 SH   SOLE   0 0 586
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,776,430 25,105 SH   SOLE   0 0 25,105
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   212,494 1,320 SH   SOLE   0 0 1,320
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,293,408 7,890 SH   SOLE   0 0 7,890
SPDR GOLD TR GOLD SHS 78463V107   246,031 1,435 SH   SOLE   0 0 1,435
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,929,645 4,514 SH   SOLE   0 0 4,514
TESLA INC COM 88160R101   771,929 3,085 SH   SOLE   0 0 3,085
TEXAS INSTRS INC COM 882508104   319,146 2,007 SH   SOLE   0 0 2,007
TRANE TECHNOLOGIES PLC SHS G8994E103   445,185 2,194 SH   SOLE   0 0 2,194
UNITEDHEALTH GROUP INC COM 91324P102   220,331 437 SH   SOLE   0 0 437
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   311,707 2,150 SH   SOLE   0 0 2,150
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   14,817,767 212,350 SH   SOLE   0 0 212,350
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,834,152 14,990 SH   SOLE   0 0 14,990
VANGUARD INDEX FDS TOTAL STK MKT 922908769   32,166,880 151,438 SH   SOLE   0 0 151,438
VANGUARD INDEX FDS MID CAP ETF 922908629   2,533,676 12,167 SH   SOLE   0 0 12,167
VANGUARD INDEX FDS VALUE ETF 922908744   36,326,032 263,366 SH   SOLE   0 0 263,366
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   9,066,799 23,088 SH   SOLE   0 0 23,088
VANGUARD INDEX FDS GROWTH ETF 922908736   13,535,083 49,705 SH   SOLE   0 0 49,705
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,625,450 31,337 SH   SOLE   0 0 31,337
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,612,919 41,135 SH   SOLE   0 0 41,135
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   2,843,797 60,148 SH   SOLE   0 0 60,148
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   15,230,538 316,643 SH   SOLE   0 0 316,643
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   220,418 2,901 SH   SOLE   0 0 2,901
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   25,188,312 162,108 SH   SOLE   0 0 162,108
VANGUARD STAR FDS VG TL INTL STK F 921909768   13,580,383 253,744 SH   SOLE   0 0 253,744
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,182,276 27,042 SH   SOLE   0 0 27,042
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607   1,135,444 10,996 SH   SOLE   0 0 10,996
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   8,049,783 77,911 SH   SOLE   0 0 77,911
VANGUARD WORLD FD ESG US STK ETF 921910733   376,852 5,010 SH   SOLE   0 0 5,010
VISA INC COM CL A 92826C839   700,004 3,043 SH   SOLE   0 0 3,043
WALMART INC COM 931142103   357,603 2,236 SH   SOLE   0 0 2,236