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   295,063 1,904 SH   SOLE   0 0 1,904
ALPHABET INC CAP STK CL A 02079K305   1,316,858 9,427 SH   SOLE   0 0 9,427
ALPHABET INC CAP STK CL C 02079K107   919,286 6,523 SH   SOLE   0 0 6,523
ALTRIA GROUP INC COM 02209S103   295,773 7,332 SH   SOLE   0 0 7,332
AMAZON COM INC COM 023135106   1,655,994 10,899 SH   SOLE   0 0 10,899
AMERICAN WTR WKS CO INC NEW COM 030420103   230,455 1,746 SH   SOLE   0 0 1,746
APPLE INC COM 037833100   8,282,987 43,022 SH   SOLE   0 0 43,022
APPLIED MATLS INC COM 038222105   269,847 1,665 SH   SOLE   0 0 1,665
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   888,440 2,491 SH   SOLE   0 0 2,491
BROADCOM INC COM 11135F101   316,269 283 SH   SOLE   0 0 283
CHEVRON CORP NEW COM 166764100   336,952 2,259 SH   SOLE   0 0 2,259
CISCO SYS INC COM 17275R102   266,605 5,277 SH   SOLE   0 0 5,277
COCA COLA CO COM 191216100   285,811 4,850 SH   SOLE   0 0 4,850
COMCAST CORP NEW CL A 20030N101   326,419 7,444 SH   SOLE   0 0 7,444
COSTCO WHSL CORP NEW COM 22160K105   988,800 1,498 SH   SOLE   0 0 1,498
CSX CORP COM 126408103   275,106 7,935 SH   SOLE   0 0 7,935
DANAHER CORPORATION COM 235851102   409,317 1,769 SH   SOLE   0 0 1,769
DEERE & CO COM 244199105   339,090 848 SH   SOLE   0 0 848
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   346,432 6,684 SH   SOLE   0 0 6,684
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   266,998 8,030 SH   SOLE   0 0 8,030
DISNEY WALT CO COM 254687106   289,776 3,209 SH   SOLE   0 0 3,209
DUKE ENERGY CORP NEW COM NEW 26441C204   290,494 2,994 SH   SOLE   0 0 2,994
ELI LILLY & CO COM 532457108   509,764 875 SH   SOLE   0 0 875
GILEAD SCIENCES INC COM 375558103   1,050,700 12,970 SH   SOLE   0 0 12,970
HOME DEPOT INC COM 437076102   590,290 1,703 SH   SOLE   0 0 1,703
HONEYWELL INTL INC COM 438516106   282,810 1,349 SH   SOLE   0 0 1,349
INVESCO QQQ TR UNIT SER 1 46090E103   377,987 923 SH   SOLE   0 0 923
ISHARES INC CORE MSCI EMKT 46434G103   8,627,633 170,574 SH   SOLE   0 0 170,574
ISHARES INC MSCI GBL MIN VOL 464286525   14,015,400 139,665 SH   SOLE   0 0 139,665
ISHARES TR CORE US AGGBD ET 464287226   27,598,256 278,068 SH   SOLE   0 0 278,068
ISHARES TR IBDS DEC28 ETF 46435U515   709,458 28,277 SH   SOLE   0 0 28,277
ISHARES TR CORE S&P500 ETF 464287200   36,806,137 77,060 SH   SOLE   0 0 77,060
ISHARES TR CORE TOTAL USD 46434V613   335,850 7,290 SH   SOLE   0 0 7,290
ISHARES TR NATIONAL MUN ETF 464288414   11,296,126 104,198 SH   SOLE   0 0 104,198
ISHARES TR CORE S&P TTL STK 464287150   8,807,432 83,697 SH   SOLE   0 0 83,697
ISHARES TR US INFRASTRUC 46435U713   240,821 5,980 SH   SOLE   0 0 5,980
ISHARES TR IBONDS 27 ETF 46435UAA9   771,992 32,260 PRN   SOLE   0 0 32,260
ISHARES TR U S EQUITY FACTR 46434V282   406,409 8,416 SH   SOLE   0 0 8,416
ISHARES TR IBONDS DEC25 ETF 46434VBD1   1,144,684 46,231 PRN   SOLE   0 0 46,231
ISHARES TR S&P MC 400VL ETF 464287705   275,977 2,420 SH   SOLE   0 0 2,420
ISHARES TR CORE HIGH DV ETF 46429B663   3,452,986 33,856 SH   SOLE   0 0 33,856
ISHARES TR MSCI USA VALUE 46432F388   2,376,147 23,489 SH   SOLE   0 0 23,489
ISHARES TR EXPONENTIAL TECH 46434V381   2,668,705 44,575 SH   SOLE   0 0 44,575
ISHARES TR MSCI USA MIN VOL 46429B697   18,307,710 234,624 SH   SOLE   0 0 234,624
ISHARES TR IBONDS DEC24 ETF 46434VBG4   495,273 19,882 PRN   SOLE   0 0 19,882
ISHARES TR RUS 1000 VAL ETF 464287598   1,482,540 8,972 SH   SOLE   0 0 8,972
ISHARES TR CORE S&P SCP ETF 464287804   16,881,541 155,950 SH   SOLE   0 0 155,950
ISHARES TR CORE MSCI TOTAL 46432F834   5,256,450 80,956 SH   SOLE   0 0 80,956
ISHARES TR IBONDS 24 TRM TS 46436E874   287,375 12,044 SH   SOLE   0 0 12,044
ISHARES TR RUSSELL 2000 ETF 464287655   231,017 1,151 SH   SOLE   0 0 1,151
ISHARES TR IBONDS DEC2026 46435GAA0   1,001,771 41,915 PRN   SOLE   0 0 41,915
ISHARES TR RUS 1000 GRW ETF 464287614   36,374,876 119,982 SH   SOLE   0 0 119,982
ISHARES TR CORE MSCI EAFE 46432F842   4,540,248 64,538 SH   SOLE   0 0 64,538
ISHARES TR CORE S&P MCP ETF 464287507   21,109,777 76,167 SH   SOLE   0 0 76,167
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   250,798 4,993 SH   SOLE   0 0 4,993
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   2,333,296 42,439 SH   SOLE   0 0 42,439
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   4,992,194 97,963 SH   SOLE   0 0 97,963
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203   391,651 7,844 SH   SOLE   0 0 7,844
JOHNSON & JOHNSON COM 478160104   853,806 5,447 SH   SOLE   0 0 5,447
JPMORGAN CHASE & CO COM 46625H100   1,157,491 6,805 SH   SOLE   0 0 6,805
LOCKHEED MARTIN CORP COM 539830109   276,250 610 SH   SOLE   0 0 610
MASTERCARD INCORPORATED CL A 57636Q104   372,770 874 SH   SOLE   0 0 874
MCDONALDS CORP COM 580135101   553,003 1,865 SH   SOLE   0 0 1,865
MERCK & CO INC COM 58933Y105   623,376 5,718 SH   SOLE   0 0 5,718
META PLATFORMS INC CL A 30303M102   958,878 2,709 SH   SOLE   0 0 2,709
MICROSOFT CORP COM 594918104   4,718,037 12,547 SH   SOLE   0 0 12,547
NEXTERA ENERGY INC COM 65339F101   1,216,062 20,021 SH   SOLE   0 0 20,021
NVIDIA CORPORATION COM 67066G104   613,082 1,238 SH   SOLE   0 0 1,238
PEPSICO INC COM 713448108   566,273 3,334 SH   SOLE   0 0 3,334
PFIZER INC COM 717081103   339,588 11,795 SH   SOLE   0 0 11,795
PHILIP MORRIS INTL INC COM 718172109   235,042 2,498 SH   SOLE   0 0 2,498
PROCTER AND GAMBLE CO COM 742718109   799,533 5,456 SH   SOLE   0 0 5,456
RTX CORPORATION COM 75513E101   224,487 2,668 SH   SOLE   0 0 2,668
SALESFORCE INC COM 79466L302   203,144 772 SH   SOLE   0 0 772
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,560,633 33,635 SH   SOLE   0 0 33,635
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,518,667 7,890 SH   SOLE   0 0 7,890
SPDR GOLD TR GOLD SHS 78463V107   274,329 1,435 SH   SOLE   0 0 1,435
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,008,185 4,225 SH   SOLE   0 0 4,225
STARBUCKS CORP COM 855244109   218,535 2,276 SH   SOLE   0 0 2,276
TESLA INC COM 88160R101   659,714 2,655 SH   SOLE   0 0 2,655
THERMO FISHER SCIENTIFIC INC COM 883556102   249,295 470 SH   SOLE   0 0 470
TRANE TECHNOLOGIES PLC SHS G8994E103   586,336 2,404 SH   SOLE   0 0 2,404
UNITEDHEALTH GROUP INC COM 91324P102   404,329 768 SH   SOLE   0 0 768
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   19,361,074 263,237 SH   SOLE   0 0 263,237
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,843,416 18,016 SH   SOLE   0 0 18,016
VANGUARD INDEX FDS TOTAL STK MKT 922908769   35,327,557 148,923 SH   SOLE   0 0 148,923
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   9,985,865 22,861 SH   SOLE   0 0 22,861
VANGUARD INDEX FDS MID CAP ETF 922908629   2,975,596 12,791 SH   SOLE   0 0 12,791
VANGUARD INDEX FDS GROWTH ETF 922908736   15,042,588 48,387 SH   SOLE   0 0 48,387
VANGUARD INDEX FDS VALUE ETF 922908744   37,265,068 249,265 SH   SOLE   0 0 249,265
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,590,839 28,337 SH   SOLE   0 0 28,337
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,258,382 30,618 SH   SOLE   0 0 30,618
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   411,006 3,995 SH   SOLE   0 0 3,995
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   2,313,998 48,726 SH   SOLE   0 0 48,726
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   13,928,201 272,835 SH   SOLE   0 0 272,835
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   697,603 11,760 SH   SOLE   0 0 11,760
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   27,051,419 158,752 SH   SOLE   0 0 158,752
VANGUARD STAR FDS VG TL INTL STK F 921909768   15,147,652 261,347 SH   SOLE   0 0 261,347
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,327,788 27,720 SH   SOLE   0 0 27,720
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607   1,785,970 15,551 SH   SOLE   0 0 15,551
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   8,209,129 73,539 SH   SOLE   0 0 73,539
VANGUARD WORLD FD ESG US STK ETF 921910733   377,411 4,437 SH   SOLE   0 0 4,437
VERIZON COMMUNICATIONS INC COM 92343V104   212,360 5,633 SH   SOLE   0 0 5,633
VISA INC COM CL A 92826C839   859,510 3,301 SH   SOLE   0 0 3,301
WALMART INC COM 931142103   399,327 2,533 SH   SOLE   0 0 2,533