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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
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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
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   8,223,689 188,099 SH   SOLE   0 0 188,099
ISHARES TR CORE MSCI EAFE 46432F842   8,129,336 126,330 SH   SOLE   0 0 126,330
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   7,971,813 159,916 SH   SOLE   0 0 159,916
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   7,728,757 49,741 SH   SOLE   0 0 49,741
ISHARES TR MSCI USA QLT FCT 46432F339   7,229,077 54,853 SH   SOLE   0 0 54,853
ISHARES TR NATIONAL MUN ETF 464288414   4,860,704 47,403 SH   SOLE   0 0 47,403
ISHARES TR CORE US AGGBD ET 464287226   3,817,554 40,595 SH   SOLE   0 0 40,595
SPDR SER TR PRTFLO S&P500 GW 78464A409   3,817,395 64,396 SH   SOLE   0 0 64,396
SPDR SER TR PRTFLO S&P500 VL 78464A508   3,578,522 86,731 SH   SOLE   0 0 86,731
ISHARES TR CORE S&P500 ETF 464287200   3,506,539 8,166 SH   SOLE   0 0 8,166
ISHARES TR CORE S&P US GWT 464287671   3,230,574 34,067 SH   SOLE   0 0 34,067
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   3,214,416 46,065 SH   SOLE   0 0 46,065
ISHARES TR CORE S&P US VLU 464287663   3,151,502 42,234 SH   SOLE   0 0 42,234
ISHARES INC CORE MSCI EMKT 46434G103   2,111,569 44,370 SH   SOLE   0 0 44,370
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,084,771 61,389 SH   SOLE   0 0 61,389
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,082,287 53,106 SH   SOLE   0 0 53,106
APPLE INC COM 037833100   1,783,666 10,418 SH   SOLE   0 0 10,418
MICROSOFT CORP COM 594918104   1,593,275 5,046 SH   SOLE   0 0 5,046
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,066,377 22,170 SH   SOLE   0 0 22,170
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   868,606 12,834 SH   SOLE   0 0 12,834
NVIDIA CORPORATION COM 67066G104   778,198 1,789 SH   SOLE   0 0 1,789
AMAZON COM INC COM 023135106   738,059 5,806 SH   SOLE   0 0 5,806
ALPHABET INC CAP STK CL A 02079K305   553,931 4,233 SH   SOLE   0 0 4,233
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   533,157 1,522 SH   SOLE   0 0 1,522
META PLATFORMS INC CL A 30303M102   523,567 1,744 SH   SOLE   0 0 1,744
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   496,846 4,963 SH   SOLE   0 0 4,963
ISHARES TR CORE S&P MCP ETF 464287507   494,462 1,983 SH   SOLE   0 0 1,983
SPDR SER TR S&P 600 SMCP VAL 78464A300   471,925 6,521 SH   SOLE   0 0 6,521
SPDR SER TR S&P 600 SMCP GRW 78464A201   451,051 6,156 SH   SOLE   0 0 6,156
ALPHABET INC CAP STK CL C 02079K107   447,631 3,395 SH   SOLE   0 0 3,395
TESLA INC COM 88160R101   380,335 1,520 SH   SOLE   0 0 1,520
ELI LILLY & CO COM 532457108   370,620 690 SH   SOLE   0 0 690
JPMORGAN CHASE & CO COM 46625H100   361,100 2,490 SH   SOLE   0 0 2,490
EXXON MOBIL CORP COM 30231G102   360,148 3,063 SH   SOLE   0 0 3,063
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   357,641 7,068 SH   SOLE   0 0 7,068
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   326,662 13,645 SH   SOLE   0 0 13,645
VISA INC COM CL A 92826C839   276,473 1,202 SH   SOLE   0 0 1,202
MASTERCARD INCORPORATED CL A 57636Q104   274,762 694 SH   SOLE   0 0 694
JOHNSON & JOHNSON COM 478160104   273,497 1,756 SH   SOLE   0 0 1,756
UNITEDHEALTH GROUP INC COM 91324P102   273,271 542 SH   SOLE   0 0 542
MERCK & CO INC COM 58933Y105   255,934 2,486 SH   SOLE   0 0 2,486
BROADCOM INC COM 11135F101   235,055 283 SH   SOLE   0 0 283
WALMART INC COM 931142103   234,778 1,468 SH   SOLE   0 0 1,468
VANGUARD INDEX FDS GROWTH ETF 922908736   233,098 856 SH   SOLE   0 0 856
VANGUARD INDEX FDS VALUE ETF 922908744   232,826 1,688 SH   SOLE   0 0 1,688
ADOBE INC COM 00724F101   228,946 449 SH   SOLE   0 0 449
CHEVRON CORP NEW COM 166764100   221,567 1,314 SH   SOLE   0 0 1,314
ABBVIE INC COM 00287Y109   220,758 1,481 SH   SOLE   0 0 1,481
PROCTER AND GAMBLE CO COM 742718109   217,478 1,491 SH   SOLE   0 0 1,491
ISHARES TR CORE S&P SCP ETF 464287804   201,301 2,134 SH   SOLE   0 0 2,134