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
EATON CORP PLC SHS G29183103   214,445 573 SH   SOLE   0 0 573
LINDE PLC SHS G54950103   294,500 620 SH   SOLE   0 0 620
AT&T INC COM 00206R102   214,257 7,587 SH   SOLE   0 0 7,587
ABBOTT LABS COM 002824100   218,456 1,631 SH   SOLE   0 0 1,631
ABBVIE INC COM 00287Y109   507,536 2,192 SH   SOLE   0 0 2,192
ADVANCED MICRO DEVICES INC COM 007903107   329,243 2,035 SH   SOLE   0 0 2,035
ALPHABET INC CAP STK CL C 02079K107   1,173,424 4,818 SH   SOLE   0 0 4,818
ALPHABET INC CAP STK CL A 02079K305   1,602,515 6,592 SH   SOLE   0 0 6,592
AMAZON COM INC COM 023135106   2,322,611 10,578 SH   SOLE   0 0 10,578
AMERICAN EXPRESS CO COM 025816109   248,788 749 SH   SOLE   0 0 749
AMPHENOL CORP NEW CL A 032095101   252,945 2,044 SH   SOLE   0 0 2,044
APPLE INC COM 037833100   4,134,173 16,236 SH   SOLE   0 0 16,236
BANK AMERICA CORP COM 060505104   304,897 5,910 SH   SOLE   0 0 5,910
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,068,825 2,126 SH   SOLE   0 0 2,126
BOOKING HOLDINGS INC COM 09857L108   205,172 38 SH   SOLE   0 0 38
BROADCOM INC COM 11135F101   1,674,293 5,075 SH   SOLE   0 0 5,075
CATERPILLAR INC COM 149123101   272,453 571 SH   SOLE   0 0 571
CHEVRON CORP NEW COM 166764100   255,763 1,647 SH   SOLE   0 0 1,647
CISCO SYS INC COM 17275R102   256,370 3,747 SH   SOLE   0 0 3,747
COCA COLA CO COM 191216100   200,154 3,018 SH   SOLE   0 0 3,018
COSTCO WHSL CORP NEW COM 22160K105   470,220 508 SH   SOLE   0 0 508
EXXON MOBIL CORP COM 30231G102   454,495 4,031 SH   SOLE   0 0 4,031
META PLATFORMS INC CL A 30303M102   1,834,481 2,498 SH   SOLE   0 0 2,498
GE VERNOVA INC COM 36828A101   225,053 366 SH   SOLE   0 0 366
GE AEROSPACE COM NEW 369604301   407,912 1,356 SH   SOLE   0 0 1,356
GOLDMAN SACHS GROUP INC COM 38141G104   286,686 360 SH   SOLE   0 0 360
HOME DEPOT INC COM 437076102   425,450 1,050 SH   SOLE   0 0 1,050
INTERNATIONAL BUSINESS MACHS COM 459200101   403,489 1,430 SH   SOLE   0 0 1,430
INTUIT COM 461202103   232,189 340 SH   SOLE   0 0 340
ISHARES TR CORE S&P500 ETF 464287200   15,018,800 22,440 SH   SOLE   0 0 22,440
ISHARES TR CORE US AGGBD ET 464287226   14,375,650 143,398 SH   SOLE   0 0 143,398
ISHARES TR MSCI EAFE ETF 464287465   312,136 3,343 SH   SOLE   0 0 3,343
ISHARES TR CORE S&P MCP ETF 464287507   1,356,429 20,785 SH   SOLE   0 0 20,785
ISHARES TR CORE S&P US VLU 464287663   7,744,221 77,481 SH   SOLE   0 0 77,481
ISHARES TR CORE S&P US GWT 464287671   8,586,348 52,184 SH   SOLE   0 0 52,184
ISHARES TR RUSSELL 3000 ETF 464287689   1,708,262 4,508 SH   SOLE   0 0 4,508
ISHARES TR CORE S&P SCP ETF 464287804   691,828 5,822 SH   SOLE   0 0 5,822
ISHARES TR NATIONAL MUN ETF 464288414   4,631,357 43,491 SH   SOLE   0 0 43,491
ISHARES TR EAFE VALUE ETF 464288877   640,112 9,437 SH   SOLE   0 0 9,437
ISHARES TR MSCI USA QLT FCT 46432F339   15,167,828 77,984 SH   SOLE   0 0 77,984
ISHARES TR CORE MSCI EAFE 46432F842   12,911,403 147,880 SH   SOLE   0 0 147,880
ISHARES INC CORE MSCI EMKT 46434G103   3,501,670 53,120 SH   SOLE   0 0 53,120
ISHARES TR 0-3 MNTH TREASRY 46436E718   7,893,974 78,391 SH   SOLE   0 0 78,391
JPMORGAN CHASE & CO. COM 46625H100   1,074,670 3,407 SH   SOLE   0 0 3,407
JOHNSON & JOHNSON COM 478160104   345,437 1,863 SH   SOLE   0 0 1,863
KLA CORP COM NEW 482480100   209,248 194 SH   SOLE   0 0 194
LAM RESEARCH CORP COM NEW 512807306   218,793 1,634 SH   SOLE   0 0 1,634
ELI LILLY & CO COM 532457108   710,353 931 SH   SOLE   0 0 931
MASTERCARD INCORPORATED CL A 57636Q104   571,654 1,005 SH   SOLE   0 0 1,005
MCDONALDS CORP COM 580135101   361,933 1,191 SH   SOLE   0 0 1,191
MICROSOFT CORP COM 594918104   4,231,134 8,169 SH   SOLE   0 0 8,169
MORGAN STANLEY COM NEW 617446448   211,894 1,333 SH   SOLE   0 0 1,333
NETFLIX INC COM 64110L106   754,121 629 SH   SOLE   0 0 629
NVIDIA CORPORATION COM 67066G104   4,990,642 26,748 SH   SOLE   0 0 26,748
ORACLE CORP COM 68389X105   513,825 1,827 SH   SOLE   0 0 1,827
PALANTIR TECHNOLOGIES INC CL A 69608A108   361,374 1,981 SH   SOLE   0 0 1,981
PHILIP MORRIS INTL INC COM 718172109   228,702 1,410 SH   SOLE   0 0 1,410
PROCTER AND GAMBLE CO COM 742718109   294,854 1,919 SH   SOLE   0 0 1,919
RTX CORPORATION COM 75513E101   292,493 1,748 SH   SOLE   0 0 1,748
S&P GLOBAL INC COM 78409V104   202,471 416 SH   SOLE   0 0 416
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201   1,335,250 14,158 SH   SOLE   0 0 14,158
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300   1,377,819 15,542 SH   SOLE   0 0 15,542
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409   8,330,806 79,713 SH   SOLE   0 0 79,713
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508   7,632,884 137,952 SH   SOLE   0 0 137,952
SPDR SERIES TRUST AEROSPACE DEF 78464A631   206,295 878 SH   SOLE   0 0 878
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821   398,652 4,354 SH   SOLE   0 0 4,354
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839   390,275 4,679 SH   SOLE   0 0 4,679
SALESFORCE INC COM 79466L302   226,335 955 SH   SOLE   0 0 955
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   12,334,321 479,748 SH   SOLE   0 0 479,748
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   544,764 20,682 SH   SOLE   0 0 20,682
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   503,465 16,986 SH   SOLE   0 0 16,986
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   515,099 15,436 SH   SOLE   0 0 15,436
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,979,607 127,990 SH   SOLE   0 0 127,990
SERVICENOW INC COM 81762P102   215,346 234 SH   SOLE   0 0 234
TJX COS INC NEW COM 872540109   236,323 1,635 SH   SOLE   0 0 1,635
TESLA INC COM 88160R101   2,099,523 4,721 SH   SOLE   0 0 4,721
UNITEDHEALTH GROUP INC COM 91324P102   278,657 807 SH   SOLE   0 0 807
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   16,168,420 74,927 SH   SOLE   0 0 74,927
VANGUARD WELLINGTON FD US VALUE FACTR 921935805   280,588 2,200 SH   SOLE   0 0 2,200
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   6,510,647 87,544 SH   SOLE   0 0 87,544
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   25,051,893 418,089 SH   SOLE   0 0 418,089
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,893,760 127,238 SH   SOLE   0 0 127,238
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   3,266,367 65,236 SH   SOLE   0 0 65,236
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,190,467 1,944 SH   SOLE   0 0 1,944
VANGUARD INDEX FDS GROWTH ETF 922908736   563,062 1,174 SH   SOLE   0 0 1,174
VANGUARD INDEX FDS VALUE ETF 922908744   336,801 1,806 SH   SOLE   0 0 1,806
VISA INC COM CL A 92826C839   651,694 1,909 SH   SOLE   0 0 1,909
WALMART INC COM 931142103   540,653 5,246 SH   SOLE   0 0 5,246
WELLS FARGO CO NEW COM 949746101   307,116 3,664 SH   SOLE   0 0 3,664