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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   794,779 7,662 SH   SOLE   0 0 7,662
AMAZON COM INC COM 023135106   975,264 9,442 SH   SOLE   0 0 9,442
APPLE INC COM 037833100   1,065,419 6,461 SH   SOLE   0 0 6,461
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   24,476,070 960,599 SH   SOLE   0 0 960,599
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   355,088 7,980 SH   SOLE   0 0 7,980
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   9,492,081 411,625 SH   SOLE   0 0 411,625
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865   1,791,121 40,875 SH   SOLE   0 0 40,875
ISHARES INC CORE MSCI EMKT 46434G103   842,301 17,264 SH   SOLE   0 0 17,264
ISHARES TR NEW YORK MUN ETF 464288323   1,042,502 19,482 SH   SOLE   0 0 19,482
ISHARES TR CORE MSCI EAFE 46432F842   26,120,660 390,735 SH   SOLE   0 0 390,735
ISHARES TR IBONDS DEC23 ETF 46434VAX8   343,897 13,652 SH   SOLE   0 0 13,652
ISHARES TR IBONDS DEC25 ETF 46434VBD1   343,148 13,989 SH   SOLE   0 0 13,989
ISHARES TR IBONDS DEC24 ETF 46434VBG4   343,185 13,956 SH   SOLE   0 0 13,956
ISHARES TR IBONDS DEC2026 46435GAA0   345,879 14,576 SH   SOLE   0 0 14,576
ISHARES TR IBONDS 26 TRM TS 46436E858   311,373 13,491 SH   SOLE   0 0 13,491
ISHARES TR IBONDS 25 TRM TS 46436E866   345,120 14,667 SH   SOLE   0 0 14,667
ISHARES TR IBONDS 24 TRM TS 46436E874   344,364 14,343 SH   SOLE   0 0 14,343
ISHARES TR IBONDS 23 TRM TS 46436E882   343,976 13,864 SH   SOLE   0 0 13,864
META PLATFORMS INC CL A 30303M102   338,256 1,596 SH   SOLE   0 0 1,596
MICROSOFT CORP COM 594918104   791,672 2,746 SH   SOLE   0 0 2,746
VANGUARD INDEX FDS TOTAL STK MKT 922908769   321,773 1,577 SH   SOLE   0 0 1,577
VANGUARD INDEX FDS VALUE ETF 922908744   7,438,097 53,856 SH   SOLE   0 0 53,856
VANGUARD INDEX FDS MID CAP ETF 922908629   10,995,426 52,131 SH   SOLE   0 0 52,131
VANGUARD INDEX FDS SM CP VAL ETF 922908611   779,639 4,911 SH   SOLE   0 0 4,911
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   20,387,687 54,212 SH   SOLE   0 0 54,212
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   830,093 20,547 SH   SOLE   0 0 20,547
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   656,577 14,536 SH   SOLE   0 0 14,536
VANGUARD WORLD FDS UTILITIES ETF 92204A876   580,238 3,933 SH   SOLE   0 0 3,933