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
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   24,050,638 421,867 SH   SOLE   0 0 421,867
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   15,756,364 644,696 SH   SOLE   0 0 644,696
ISHARES TR RUS 1000 ETF 464287622   7,303,812 21,509 SH   SOLE   0 0 21,509
NVIDIA CORPORATION COM 67066G104   6,753,757 42,748 SH   SOLE   0 0 42,748
VANGUARD MALVERN FDS CORE BD ETF 922020748   6,275,059 80,885 SH   SOLE   0 0 80,885
APPLE INC COM 037833100   4,746,287 23,133 SH   SOLE   0 0 23,133
DIMENSIONAL ETF TRUST US LARGE CAP VEC 25434V641   4,733,840 68,686 SH   SOLE   0 0 68,686
MICROSOFT CORP COM 594918104   4,664,711 9,378 SH   SOLE   0 0 9,378
ISHARES TR CORE S&P TTL STK 464287150   4,479,547 33,172 SH   SOLE   0 0 33,172
AMAZON COM INC COM 023135106   2,774,845 12,648 SH   SOLE   0 0 12,648
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,284,191 75,786 SH   SOLE   0 0 75,786
ALPHABET INC CAP STK CL A 02079K305   2,282,934 12,954 SH   SOLE   0 0 12,954
JPMORGAN CHASE & CO. COM 46625H100   1,633,353 5,634 SH   SOLE   0 0 5,634
META PLATFORMS INC CL A 30303M102   1,552,942 2,104 SH   SOLE   0 0 2,104
COSTCO WHSL CORP NEW COM 22160K105   1,371,067 1,385 SH   SOLE   0 0 1,385
MASTERCARD INCORPORATED CL A 57636Q104   1,322,920 2,354 SH   SOLE   0 0 2,354
TESLA INC COM 88160R101   1,260,793 3,969 SH   SOLE   0 0 3,969
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,166,734 2,054 SH   SOLE   0 0 2,054
WALMART INC COM 931142103   1,166,027 11,925 SH   SOLE   0 0 11,925
BROADCOM INC COM 11135F101   1,133,749 4,113 SH   SOLE   0 0 4,113
HOME DEPOT INC COM 437076102   1,098,087 2,995 SH   SOLE   0 0 2,995
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,029,921 5,667 SH   SOLE   0 0 5,667
VISA INC COM CL A 92826C839   999,466 2,815 SH   SOLE   0 0 2,815
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   998,755 14,858 SH   SOLE   0 0 14,858
ELI LILLY & CO COM 532457108   953,165 1,223 SH   SOLE   0 0 1,223
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   870,680 1,537 SH   SOLE   0 0 1,537
INVESCO EXCH TRADED FD TR II RUSEL 1000 EQL 46138E420   815,858 16,569 SH   SOLE   0 0 16,569
INVESCO QQQ TR UNIT SER 1 46090E103   776,710 1,408 SH   SOLE   0 0 1,408
NETFLIX INC COM 64110L106   723,131 540 SH   SOLE   0 0 540
UNITEDHEALTH GROUP INC COM 91324P102   687,582 2,204 SH   SOLE   0 0 2,204
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   672,306 1,384 SH   SOLE   0 0 1,384
INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619   663,778 11,488 SH   SOLE   0 0 11,488
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   618,438 11,809 SH   SOLE   0 0 11,809
ISHARES TR CORE S&P500 ETF 464287200   599,169 965 SH   SOLE   0 0 965
EXXON MOBIL CORP COM 30231G102   587,510 5,450 SH   SOLE   0 0 5,450
ABBVIE INC COM 00287Y109   571,153 3,077 SH   SOLE   0 0 3,077
ALPHABET INC CAP STK CL C 02079K107   569,828 3,212 SH   SOLE   0 0 3,212
ISHARES TR CORE MSCI TOTAL 46432F834   561,967 7,269 SH   SOLE   0 0 7,269
TEXAS INSTRS INC COM 882508104   533,376 2,569 SH   SOLE   0 0 2,569
ORACLE CORP COM 68389X105   529,644 2,423 SH   SOLE   0 0 2,423
VANGUARD INDEX FDS TOTAL STK MKT 922908769   512,730 1,687 SH   SOLE   0 0 1,687
MCDONALDS CORP COM 580135101   497,274 1,702 SH   SOLE   0 0 1,702
GILEAD SCIENCES INC COM 375558103   495,035 4,465 SH   SOLE   0 0 4,465
COCA COLA CO COM 191216100   479,049 6,771 SH   SOLE   0 0 6,771
RTX CORPORATION COM 75513E101   449,012 3,075 SH   SOLE   0 0 3,075
JOHNSON & JOHNSON COM 478160104   448,627 2,937 SH   SOLE   0 0 2,937
SPDR S&P 500 ETF TR TR UNIT 78462F103   429,406 695 SH   SOLE   0 0 695
CISCO SYS INC COM 17275R102   428,630 6,178 SH   SOLE   0 0 6,178
CENCORA INC COM 03073E105   428,186 1,428 SH   SOLE   0 0 1,428
ISHARES TR RUSSELL 2000 ETF 464287655   422,949 1,960 SH   SOLE   0 0 1,960
PEPSICO INC COM 713448108   401,534 3,041 SH   SOLE   0 0 3,041
AT&T INC COM 00206R102   396,450 13,699 SH   SOLE   0 0 13,699
ISHARES TR MSCI EAFE ETF 464287465   394,032 4,408 SH   SOLE   0 0 4,408
SCHWAB CHARLES CORP COM 808513105   376,457 4,126 SH   SOLE   0 0 4,126
PROCTER AND GAMBLE CO COM 742718109   372,624 2,339 SH   SOLE   0 0 2,339
THERMO FISHER SCIENTIFIC INC COM 883556102   366,131 903 SH   SOLE   0 0 903
VISTRA CORP COM 92840M102   354,479 1,829 SH   SOLE   0 0 1,829
ABBOTT LABS COM 002824100   349,274 2,568 SH   SOLE   0 0 2,568
WASTE MGMT INC DEL COM 94106L109   321,950 1,407 SH   SOLE   0 0 1,407
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   314,725 3,109 SH   SOLE   0 0 3,109
SERVICENOW INC COM 81762P102   298,144 290 SH   SOLE   0 0 290
NEXTERA ENERGY INC COM 65339F101   291,564 4,200 SH   SOLE   0 0 4,200
APPLIED MATLS INC COM 038222105   291,082 1,590 SH   SOLE   0 0 1,590
ARISTA NETWORKS INC COM SHS 040413205   290,970 2,844 SH   SOLE   0 0 2,844
UNION PAC CORP COM 907818108   288,751 1,255 SH   SOLE   0 0 1,255
ADVANCED MICRO DEVICES INC COM 007903107   280,962 1,980 SH   SOLE   0 0 1,980
QUALCOMM INC COM 747525103   278,317 1,748 SH   SOLE   0 0 1,748
CATERPILLAR INC COM 149123101   274,853 708 SH   SOLE   0 0 708
BLACKROCK INC COM 09290D101   272,805 260 SH   SOLE   0 0 260
INTERNATIONAL BUSINESS MACHS COM 459200101   271,788 922 SH   SOLE   0 0 922
AMERICAN EXPRESS CO COM 025816109   271,452 851 SH   SOLE   0 0 851
WELLS FARGO CO NEW COM 949746101   264,477 3,301 SH   SOLE   0 0 3,301
PHILIP MORRIS INTL INC COM 718172109   260,993 1,433 SH   SOLE   0 0 1,433
ISHARES TR EAFE SML CP ETF 464288273   259,395 3,569 SH   SOLE   0 0 3,569
CHEVRON CORP NEW COM 166764100   255,663 1,785 SH   SOLE   0 0 1,785
BANK AMERICA CORP COM 060505104   254,487 5,378 SH   SOLE   0 0 5,378
NIKE INC CL B 654106103   238,411 3,356 SH   SOLE   0 0 3,356
UBER TECHNOLOGIES INC COM 90353T100   235,956 2,529 SH   SOLE   0 0 2,529
GE AEROSPACE COM NEW 369604301   226,365 879 SH   SOLE   0 0 879
NEW YORK LIFE INVESTMENTS ET NYLI HEDGE MULTI 45409B107   225,368 6,973 SH   SOLE   0 0 6,973
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   223,831 921 SH   SOLE   0 0 921
ISHARES TR MSCI EMG MKT ETF 464287234   222,001 4,602 SH   SOLE   0 0 4,602
PACER FDS TR US CASH COWS 100 69374H881   221,668 4,023 SH   SOLE   0 0 4,023
CONSTELLATION ENERGY CORP COM 21037T109   220,768 684 SH   SOLE   0 0 684
COMCAST CORP NEW CL A 20030N101   219,815 6,159 SH   SOLE   0 0 6,159
DISNEY WALT CO COM 254687106   216,026 1,742 SH   SOLE   0 0 1,742
PROGRESSIVE CORP COM 743315103   215,623 808 SH   SOLE   0 0 808
PALANTIR TECHNOLOGIES INC CL A 69608A108   210,888 1,547 SH   SOLE   0 0 1,547
TARGET CORP COM 87612E106   206,475 2,093 SH   SOLE   0 0 2,093
SALESFORCE INC COM 79466L302   203,155 745 SH   SOLE   0 0 745
BOOKING HOLDINGS INC COM 09857L108   202,624 35 SH   SOLE   0 0 35
ANALOG DEVICES INC COM 032654105   202,317 850 SH   SOLE   0 0 850
LINDE PLC SHS G54950103   202,217 431 SH   SOLE   0 0 431
TELA BIO INC COM 872381108   193,783 99,888 SH   SOLE   0 0 99,888
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   130,700 11,743 SH   SOLE   0 0 11,743