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
ABBOTT LABS COM 002824100   354,986 2,610 SH   SOLE   0 0 2,610
ABBVIE INC COM 00287Y109   473,702 2,552 SH   SOLE   0 0 2,552
AMAZON COM INC COM 023135106   325,136 1,482 SH   SOLE   0 0 1,482
APPLE INC COM 037833100   1,098,909 5,356 SH   SOLE   0 0 5,356
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   650,446 1,339 SH   SOLE   0 0 1,339
COCA COLA CO COM 191216100   233,475 3,300 SH   SOLE   0 0 3,300
EXXON MOBIL CORP COM 30231G102   342,373 3,176 SH   SOLE   0 0 3,176
GLOBAL X FDS GLBL X MLP ETF 37954Y343   579,208 11,538 SH   SOLE   0 0 11,538
ISHARES TR CORE S&P500 ETF 464287200   347,083 559 SH   SOLE   0 0 559
ISHARES TR CORE US AGGBD ET 464287226   640,138 6,453 SH   SOLE   0 0 6,453
ISHARES TR ESG MSCI USA ETF 46436E767   417,149 7,735 SH   SOLE   0 0 7,735
JPMORGAN CHASE & CO. COM 46625H100   263,818 910 SH   SOLE   0 0 910
MICROSOFT CORP COM 594918104   435,952 876 SH   SOLE   0 0 876
NORTHROP GRUMMAN CORP COM 666807102   421,483 843 SH   SOLE   0 0 843
NVIDIA CORPORATION COM 67066G104   489,137 3,096 SH   SOLE   0 0 3,096
S&P GLOBAL INC COM 78409V104   332,720 656 SH   SOLE   0 0 656
SPDR S&P 500 ETF TR TR UNIT 78462F103   48,397,426 78,307 SH   SOLE   0 0 78,307
SPDR SERIES TRUST PORTFOLI S&P1500 78464A805   391,750 5,231 SH   SOLE   0 0 5,231
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,268,477 53,230 SH   SOLE   0 0 53,230
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   9,442,328 386,347 SH   SOLE   0 0 386,347
SCHWAB STRATEGIC TR LONG TERM US 808524680   3,347,940 104,818 SH   SOLE   0 0 104,818
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,774,704 66,970 SH   SOLE   0 0 66,970
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   4,106,013 185,792 SH   SOLE   0 0 185,792
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   9,406,282 375,231 SH   SOLE   0 0 375,231
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   3,366,007 15,483 SH   SOLE   0 0 15,483
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   9,802,280 38,701 SH   SOLE   0 0 38,701
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   3,504,542 32,285 SH   SOLE   0 0 32,285
TESLA INC COM 88160R101   1,008,888 3,176 SH   SOLE   0 0 3,176
VANECK ETF TRUST BDC INCOME ETF 92189F411   195,311 11,997 SH   SOLE   0 0 11,997
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   12,871,408 174,510 SH   SOLE   0 0 174,510
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   31,749,667 556,777 SH   SOLE   0 0 556,777
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   640,251 4,982 SH   SOLE   0 0 4,982
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   225,538 4,600 SH   SOLE   0 0 4,600
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   6,482,339 11,412 SH   SOLE   0 0 11,412
VANGUARD INDEX FDS TOTAL STK MKT 922908769   566,222 1,863 SH   SOLE   0 0 1,863
WALMART INC COM 931142103   290,993 2,976 SH   SOLE   0 0 2,976