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
LINDE PLC SHS G54950103   231,253 527 SH   SOLE   0 0 527
ABBVIE INC COM 00287Y109   313,710 1,829 SH   SOLE   0 0 1,829
ADOBE INC COM 00724F101   263,882 475 SH   SOLE   0 0 475
ADVANCED MICRO DEVICES INC COM 007903107   282,245 1,740 SH   SOLE   0 0 1,740
ALPHABET INC CAP STK CL C 02079K107   725,243 3,954 SH   SOLE   0 0 3,954
ALPHABET INC CAP STK CL A 02079K305   1,049,002 5,759 SH   SOLE   0 0 5,759
AMAZON COM INC COM 023135106   1,613,444 8,349 SH   SOLE   0 0 8,349
APPLE INC COM 037833100   2,811,988 13,351 SH   SOLE   0 0 13,351
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   721,256 1,773 SH   SOLE   0 0 1,773
BROADCOM INC COM 11135F101   627,762 391 SH   SOLE   0 0 391
CHEVRON CORP NEW COM 166764100   213,044 1,362 SH   SOLE   0 0 1,362
COSTCO WHSL CORP NEW COM 22160K105   348,496 410 SH   SOLE   0 0 410
EXXON MOBIL CORP COM 30231G102   397,970 3,457 SH   SOLE   0 0 3,457
META PLATFORMS INC CL A 30303M102   1,046,761 2,076 SH   SOLE   0 0 2,076
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   884,307 8,836 SH   SOLE   0 0 8,836
HOME DEPOT INC COM 437076102   291,571 847 SH   SOLE   0 0 847
INTERNATIONAL BUSINESS MACHS COM 459200101   269,629 1,559 SH   SOLE   0 0 1,559
ISHARES TR CORE S&P500 ETF 464287200   12,972,341 23,705 SH   SOLE   0 0 23,705
ISHARES TR CORE US AGGBD ET 464287226   8,884,913 91,531 SH   SOLE   0 0 91,531
ISHARES TR MSCI EAFE ETF 464287465   261,857 3,343 SH   SOLE   0 0 3,343
ISHARES TR CORE S&P MCP ETF 464287507   1,371,997 23,445 SH   SOLE   0 0 23,445
ISHARES TR CORE S&P US VLU 464287663   6,706,865 76,102 SH   SOLE   0 0 76,102
ISHARES TR CORE S&P US GWT 464287671   7,853,655 61,607 SH   SOLE   0 0 61,607
ISHARES TR RUSSELL 3000 ETF 464287689   1,402,596 4,544 SH   SOLE   0 0 4,544
ISHARES TR CORE S&P SCP ETF 464287804   726,295 6,809 SH   SOLE   0 0 6,809
ISHARES TR NATIONAL MUN ETF 464288414   5,125,588 48,105 SH   SOLE   0 0 48,105
ISHARES TR EAFE VALUE ETF 464288877   539,682 10,175 SH   SOLE   0 0 10,175
ISHARES TR MSCI USA QLT FCT 46432F339   11,281,036 66,064 SH   SOLE   0 0 66,064
ISHARES TR CORE MSCI EAFE 46432F842   11,196,366 154,135 SH   SOLE   0 0 154,135
ISHARES INC CORE MSCI EMKT 46434G103   2,934,247 54,815 SH   SOLE   0 0 54,815
JPMORGAN CHASE & CO. COM 46625H100   620,736 3,069 SH   SOLE   0 0 3,069
ELI LILLY & CO COM 532457108   727,926 804 SH   SOLE   0 0 804
MASTERCARD INCORPORATED CL A 57636Q104   366,163 830 SH   SOLE   0 0 830
MCDONALDS CORP COM 580135101   308,356 1,210 SH   SOLE   0 0 1,210
MERCK & CO INC COM 58933Y105   355,306 2,870 SH   SOLE   0 0 2,870
MICROSOFT CORP COM 594918104   2,975,346 6,657 SH   SOLE   0 0 6,657
NETFLIX INC COM 64110L106   386,706 573 SH   SOLE   0 0 573
NVIDIA CORPORATION COM 67066G104   2,799,046 22,657 SH   SOLE   0 0 22,657
PROCTER AND GAMBLE CO COM 742718109   256,616 1,556 SH   SOLE   0 0 1,556
SPDR SER TR S&P 600 SMCP GRW 78464A201   804,517 9,370 SH   SOLE   0 0 9,370
SPDR SER TR S&P 600 SMCP VAL 78464A300   771,216 9,848 SH   SOLE   0 0 9,848
SPDR SER TR PRTFLO S&P500 GW 78464A409   6,750,872 84,249 SH   SOLE   0 0 84,249
SPDR SER TR PRTFLO S&P500 VL 78464A508   6,059,064 124,314 SH   SOLE   0 0 124,314
SPDR SER TR S&P 400 MDCP GRW 78464A821   308,584 3,671 SH   SOLE   0 0 3,671
SPDR SER TR S&P 400 MDCP VAL 78464A839   273,671 3,752 SH   SOLE   0 0 3,752
SALESFORCE INC COM 79466L302   220,078 856 SH   SOLE   0 0 856
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   10,053,919 159,916 SH   SOLE   0 0 159,916
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   454,119 7,068 SH   SOLE   0 0 7,068
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   921,040 11,834 SH   SOLE   0 0 11,834
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   423,499 15,945 SH   SOLE   0 0 15,945
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,822,333 73,460 SH   SOLE   0 0 73,460
TESLA INC COM 88160R101   829,117 4,190 SH   SOLE   0 0 4,190
UNITEDHEALTH GROUP INC COM 91324P102   328,473 645 SH   SOLE   0 0 645
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   12,277,883 67,258 SH   SOLE   0 0 67,258
VANGUARD WELLINGTON FD US VALUE FACTR 921935805   248,754 2,200 SH   SOLE   0 0 2,200
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   6,191,040 85,927 SH   SOLE   0 0 85,927
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   14,676,159 296,968 SH   SOLE   0 0 296,968
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   4,075,285 93,128 SH   SOLE   0 0 93,128
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   752,450 8,021 SH   SOLE   0 0 8,021
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   624,964 8,162 SH   SOLE   0 0 8,162
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   2,990,014 59,669 SH   SOLE   0 0 59,669
VANGUARD INDEX FDS GROWTH ETF 922908736   479,481 1,282 SH   SOLE   0 0 1,282
VANGUARD INDEX FDS VALUE ETF 922908744   308,468 1,923 SH   SOLE   0 0 1,923
VISA INC COM CL A 92826C839   404,204 1,540 SH   SOLE   0 0 1,540
WALMART INC COM 931142103   300,429 4,437 SH   SOLE   0 0 4,437