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
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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   327,007 2,610 SH   SOLE   0 0 2,610
ABBVIE INC COM 00287Y109   583,106 2,552 SH   SOLE   0 0 2,552
APPLE INC COM 037833100   1,305,076 4,801 SH   SOLE   0 0 4,801
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   599,661 1,193 SH   SOLE   0 0 1,193
EXXON MOBIL CORP COM 30231G102   436,834 3,630 SH   SOLE   0 0 3,630
GLOBAL X FDS GLBL X MLP ETF 37954Y343   203,903 4,212 SH   SOLE   0 0 4,212
ISHARES GOLD TR ISHARES NEW 464285204   235,799 2,905 SH   SOLE   0 0 2,905
ISHARES TR CORE S&P500 ETF 464287200   382,881 559 SH   SOLE   0 0 559
ISHARES TR CORE US AGGBD ET 464287226   497,702 4,983 SH   SOLE   0 0 4,983
ISHARES TR ESG MSCI USA ETF 46436E767   452,003 7,850 SH   SOLE   0 0 7,850
MICROSOFT CORP COM 594918104   246,896 511 SH   SOLE   0 0 511
NVIDIA CORPORATION COM 67066G104   621,232 3,331 SH   SOLE   0 0 3,331
S&P GLOBAL INC COM 78409V104   290,560 556 SH   SOLE   0 0 556
SPDR S&P 500 ETF TR TR UNIT 78462F103   58,463,047 85,733 SH   SOLE   0 0 85,733
SPDR SERIES TRUST STATE STREET SPD 78464A805   427,433 5,181 SH   SOLE   0 0 5,181
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,364,535 52,022 SH   SOLE   0 0 52,022
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   10,032,447 372,815 SH   SOLE   0 0 372,815
SCHWAB STRATEGIC TR LONG TERM US 808524680   3,941,293 124,331 SH   SOLE   0 0 124,331
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,427,597 52,045 SH   SOLE   0 0 52,045
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   4,285,818 178,279 SH   SOLE   0 0 178,279
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   10,671,498 425,498 SH   SOLE   0 0 425,498
SELECT SECTOR SPDR TR STATE STREET CON 81369Y407   4,064,119 34,035 SH   SOLE   0 0 34,035
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803   12,326,711 85,620 SH   SOLE   0 0 85,620
SELECT SECTOR SPDR TR STATE STREET COM 81369Y852   4,169,760 35,421 SH   SOLE   0 0 35,421
TESLA INC COM 88160R101   1,431,459 3,183 SH   SOLE   0 0 3,183
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   15,015,544 202,721 SH   SOLE   0 0 202,721
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   38,323,533 613,471 SH   SOLE   0 0 613,471
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   932,470 6,610 SH   SOLE   0 0 6,610
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   214,795 2,920 SH   SOLE   0 0 2,920
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   8,689,936 13,857 SH   SOLE   0 0 13,857
VANGUARD INDEX FDS TOTAL STK MKT 922908769   624,608 1,863 SH   SOLE   0 0 1,863
WALMART INC COM 931142103   336,347 3,019 SH   SOLE   0 0 3,019