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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hours per response: 23.8
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   208,505 489 SH   SOLE   0 0 489
ABBVIE INC COM 00287Y109   501,307 2,194 SH   SOLE   0 0 2,194
ADVANCED MICRO DEVICES INC COM 007903107   430,247 2,009 SH   SOLE   0 0 2,009
ALPHABET INC CAP STK CL C 02079K107   1,495,257 4,765 SH   SOLE   0 0 4,765
ALPHABET INC CAP STK CL A 02079K305   2,055,158 6,566 SH   SOLE   0 0 6,566
AMAZON COM INC COM 023135106   2,458,002 10,649 SH   SOLE   0 0 10,649
AMERICAN EXPRESS CO COM 025816109   275,613 745 SH   SOLE   0 0 745
AMPHENOL CORP NEW CL A 032095101   267,172 1,977 SH   SOLE   0 0 1,977
APPLE INC COM 037833100   4,378,305 16,105 SH   SOLE   0 0 16,105
BANK AMERICA CORP COM 060505104   326,480 5,936 SH   SOLE   0 0 5,936
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,065,115 2,119 SH   SOLE   0 0 2,119
BROADCOM INC COM 11135F101   1,742,267 5,034 SH   SOLE   0 0 5,034
CATERPILLAR INC COM 149123101   326,536 570 SH   SOLE   0 0 570
CHEVRON CORP NEW COM 166764100   209,259 1,373 SH   SOLE   0 0 1,373
CISCO SYS INC COM 17275R102   298,722 3,878 SH   SOLE   0 0 3,878
CITIGROUP INC COM NEW 172967424   228,362 1,957 SH   SOLE   0 0 1,957
COCA COLA CO COM 191216100   238,393 3,410 SH   SOLE   0 0 3,410
COSTCO WHSL CORP NEW COM 22160K105   399,263 463 SH   SOLE   0 0 463
EXACT SCIENCES CORP COM 30063P105   292,797 2,883 SH   SOLE   0 0 2,883
EXXON MOBIL CORP COM 30231G102   486,174 4,040 SH   SOLE   0 0 4,040
META PLATFORMS INC CL A 30303M102   1,629,102 2,468 SH   SOLE   0 0 2,468
GE VERNOVA INC COM 36828A101   220,253 337 SH   SOLE   0 0 337
GE AEROSPACE COM NEW 369604301   406,908 1,321 SH   SOLE   0 0 1,321
GOLDMAN SACHS GROUP INC COM 38141G104   312,045 355 SH   SOLE   0 0 355
HOME DEPOT INC COM 437076102   325,175 945 SH   SOLE   0 0 945
INTERNATIONAL BUSINESS MACHS COM 459200101   415,879 1,404 SH   SOLE   0 0 1,404
INTUITIVE SURGICAL INC COM NEW 46120E602   254,296 449 SH   SOLE   0 0 449
INTUIT COM 461202103   231,185 349 SH   SOLE   0 0 349
ISHARES TR CORE S&P500 ETF 464287200   15,369,755 22,440 SH   SOLE   0 0 22,440
ISHARES TR CORE US AGGBD ET 464287226   14,417,978 144,353 SH   SOLE   0 0 144,353
ISHARES TR MSCI EAFE ETF 464287465   321,028 3,343 SH   SOLE   0 0 3,343
ISHARES TR CORE S&P MCP ETF 464287507   1,371,810 20,785 SH   SOLE   0 0 20,785
ISHARES TR CORE S&P US VLU 464287663   7,782,678 75,899 SH   SOLE   0 0 75,899
ISHARES TR CORE S&P US GWT 464287671   8,124,930 48,380 SH   SOLE   0 0 48,380
ISHARES TR RUSSELL 3000 ETF 464287689   1,743,920 4,508 SH   SOLE   0 0 4,508
ISHARES TR CORE S&P SCP ETF 464287804   698,727 5,814 SH   SOLE   0 0 5,814
ISHARES TR NATIONAL MUN ETF 464288414   4,673,209 43,630 SH   SOLE   0 0 43,630
ISHARES TR EAFE VALUE ETF 464288877   673,896 9,437 SH   SOLE   0 0 9,437
ISHARES TR MSCI USA QLT FCT 46432F339   15,425,363 77,663 SH   SOLE   0 0 77,663
ISHARES TR CORE MSCI EAFE 46432F842   13,616,617 152,209 SH   SOLE   0 0 152,209
ISHARES INC CORE MSCI EMKT 46434G103   3,486,298 51,864 SH   SOLE   0 0 51,864
ISHARES TR ESG AWR MSCI USA 46435G425   713,465 4,789 SH   SOLE   0 0 4,789
ISHARES TR ESG AW MSCI EAFE 46435G516   333,956 3,512 SH   SOLE   0 0 3,512
ISHARES TR 0-3 MNTH TREASRY 46436E718   7,075,987 70,492 SH   SOLE   0 0 70,492
JPMORGAN CHASE & CO. COM 46625H100   1,072,026 3,327 SH   SOLE   0 0 3,327
JOHNSON & JOHNSON COM 478160104   398,379 1,925 SH   SOLE   0 0 1,925
KLA CORP COM NEW 482480100   229,650 189 SH   SOLE   0 0 189
LAM RESEARCH CORP COM NEW 512807306   274,230 1,602 SH   SOLE   0 0 1,602
ELI LILLY & CO COM 532457108   1,008,050 938 SH   SOLE   0 0 938
MASTERCARD INCORPORATED CL A 57636Q104   572,593 1,003 SH   SOLE   0 0 1,003
MCDONALDS CORP COM 580135101   364,005 1,191 SH   SOLE   0 0 1,191
MERCK & CO INC COM 58933Y105   231,993 2,204 SH   SOLE   0 0 2,204
MICROSOFT CORP COM 594918104   3,927,478 8,121 SH   SOLE   0 0 8,121
MICRON TECHNOLOGY INC COM 595112103   303,962 1,065 SH   SOLE   0 0 1,065
MORGAN STANLEY COM NEW 617446448   233,097 1,313 SH   SOLE   0 0 1,313
NETFLIX INC COM 64110L106   543,245 5,794 SH   SOLE   0 0 5,794
NEXTERA ENERGY INC COM 65339F101   212,019 2,641 SH   SOLE   0 0 2,641
NVIDIA CORPORATION COM 67066G104   4,906,256 26,307 SH   SOLE   0 0 26,307
ORACLE CORP COM 68389X105   332,711 1,707 SH   SOLE   0 0 1,707
PALANTIR TECHNOLOGIES INC CL A 69608A108   377,008 2,121 SH   SOLE   0 0 2,121
PHILIP MORRIS INTL INC COM 718172109   225,683 1,407 SH   SOLE   0 0 1,407
RTX CORPORATION COM 75513E101   321,867 1,755 SH   SOLE   0 0 1,755
S&P GLOBAL INC COM 78409V104   215,830 413 SH   SOLE   0 0 413
SPDR SERIES TRUST STATE STREET SPD 78464A201   1,333,269 14,155 SH   SOLE   0 0 14,155
SPDR SERIES TRUST STATE STREET SPD 78464A300   1,410,057 15,500 SH   SOLE   0 0 15,500
SPDR SERIES TRUST STATE STREET SPD 78464A409   7,898,147 74,022 SH   SOLE   0 0 74,022
SPDR SERIES TRUST STATE STREET SPD 78464A508   7,737,238 136,195 SH   SOLE   0 0 136,195
SPDR SERIES TRUST STATE STREET SPD 78464A631   211,809 878 SH   SOLE   0 0 878
SPDR SERIES TRUST STATE STREET SPD 78464A821   394,399 4,267 SH   SOLE   0 0 4,267
SPDR SERIES TRUST STATE STREET SPD 78464A839   388,628 4,591 SH   SOLE   0 0 4,591
SALESFORCE INC COM 79466L302   305,441 1,153 SH   SOLE   0 0 1,153
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   12,475,355 475,614 SH   SOLE   0 0 475,614
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   544,120 20,220 SH   SOLE   0 0 20,220
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   510,769 16,986 SH   SOLE   0 0 16,986
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   448,544 13,696 SH   SOLE   0 0 13,696
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,964,276 123,306 SH   SOLE   0 0 123,306
TJX COS INC NEW COM 872540109   248,080 1,615 SH   SOLE   0 0 1,615
TESLA INC COM 88160R101   2,127,625 4,731 SH   SOLE   0 0 4,731
UNITEDHEALTH GROUP INC COM 91324P102   271,350 822 SH   SOLE   0 0 822
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   16,388,283 74,567 SH   SOLE   0 0 74,567
VANGUARD WELLINGTON FD US VALUE FACTR 921935805   257,859 1,942 SH   SOLE   0 0 1,942
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   6,415,573 86,615 SH   SOLE   0 0 86,615
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   25,354,901 405,873 SH   SOLE   0 0 405,873
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,682,461 124,302 SH   SOLE   0 0 124,302
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   288,304 2,368 SH   SOLE   0 0 2,368
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   3,296,711 65,554 SH   SOLE   0 0 65,554
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,219,141 1,944 SH   SOLE   0 0 1,944
VANGUARD INDEX FDS GROWTH ETF 922908736   598,604 1,227 SH   SOLE   0 0 1,227
VANGUARD INDEX FDS VALUE ETF 922908744   387,710 2,030 SH   SOLE   0 0 2,030
VISA INC COM CL A 92826C839   664,595 1,895 SH   SOLE   0 0 1,895
WALMART INC COM 931142103   581,449 5,219 SH   SOLE   0 0 5,219
WELLS FARGO CO NEW COM 949746101   341,951 3,669 SH   SOLE   0 0 3,669