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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
ALPHABET INC CAP STK CL A 02079K305   1,008,469 11,430 SH   SOLE   0 0 11,430
AMAZON COM INC COM 023135106   793,128 9,442 SH   SOLE   0 0 9,442
APPLE INC COM 037833100   1,368,683 10,534 SH   SOLE   0 0 10,534
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   22,744,513 936,759 SH   SOLE   0 0 936,759
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   349,644 7,955 SH   SOLE   0 0 7,955
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   8,253,983 382,129 SH   SOLE   0 0 382,129
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865   1,986,647 43,586 SH   SOLE   0 0 43,586
ISHARES INC CORE MSCI EMKT 46434G103   795,852 17,042 SH   SOLE   0 0 17,042
ISHARES TR NEW YORK MUN ETF 464288323   1,002,556 19,133 SH   SOLE   0 0 19,133
ISHARES TR CORE MSCI EAFE 46432F842   23,860,374 387,092 SH   SOLE   0 0 387,092
ISHARES TR IBONDS DEC23 ETF 46434VAX8   340,133 13,589 SH   SOLE   0 0 13,589
ISHARES TR IBONDS DEC25 ETF 46434VBD1   338,486 13,918 SH   SOLE   0 0 13,918
ISHARES TR IBONDS DEC24 ETF 46434VBG4   339,169 13,889 SH   SOLE   0 0 13,889
ISHARES TR IBONDS DEC2026 46435GAA0   338,552 14,499 SH   SOLE   0 0 14,499
ISHARES TR IBONDS 26 TRM TS 46436E858   304,722 13,415 SH   SOLE   0 0 13,415
ISHARES TR IBONDS 25 TRM TS 46436E866   339,283 14,574 SH   SOLE   0 0 14,574
ISHARES TR IBONDS 24 TRM TS 46436E874   339,719 14,244 SH   SOLE   0 0 14,244
ISHARES TR IBONDS 23 TRM TS 46436E882   340,144 13,771 SH   SOLE   0 0 13,771
MICROSOFT CORP COM 594918104   772,220 3,220 SH   SOLE   0 0 3,220
VANGUARD INDEX FDS TOTAL STK MKT 922908769   282,224 1,476 SH   SOLE   0 0 1,476
VANGUARD INDEX FDS VALUE ETF 922908744   3,527,287 25,128 SH   SOLE   0 0 25,128
VANGUARD INDEX FDS MID CAP ETF 922908629   10,256,308 50,323 SH   SOLE   0 0 50,323
VANGUARD INDEX FDS SM CP VAL ETF 922908611   729,265 4,592 SH   SOLE   0 0 4,592
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   17,698,075 50,373 SH   SOLE   0 0 50,373
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   752,582 19,307 SH   SOLE   0 0 19,307
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   609,627 14,525 SH   SOLE   0 0 14,525
VANGUARD WORLD FDS UTILITIES ETF 92204A876   602,680 3,930 SH   SOLE   0 0 3,930