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 LABORATORIES COM 002824100   267,969 2,610 SH   SOLE   0 0 2,610
ABBVIE INC COM 00287Y109   546,770 2,514 SH   SOLE   0 0 2,514
APPLE INC COM 037833100   1,224,663 4,825 SH   SOLE   0 0 4,825
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   571,686 1,193 SH   SOLE   0 0 1,193
EXXON MOBIL CORP COM 30231G102   610,437 3,598 SH   SOLE   0 0 3,598
ISHARES GOLD TR ISHARES NEW 464285204   256,105 2,905 SH   SOLE   0 0 2,905
ISHARES TR CORE S&P500 ETF 464287200   365,144 559 SH   SOLE   0 0 559
ISHARES TR CORE US AGGBD ET 464287226   488,905 4,925 SH   SOLE   0 0 4,925
ISHARES TR 0-3 MNTH TREASRY 46436E718   1,046,965 10,401 SH   SOLE   0 0 10,401
ISHARES TR ESG MSCI USA ETF 46436E767   405,941 7,354 SH   SOLE   0 0 7,354
MICROSOFT CORP COM 594918104   201,580 545 SH   SOLE   0 0 545
NVIDIA CORPORATION COM 67066G104   685,567 3,931 SH   SOLE   0 0 3,931
PIMCO DYNAMIC INCOME FD SHS 72201Y101   184,480 10,782 SH   SOLE   0 0 10,782
S&P GLOBAL INC COM 78409V104   200,335 471 SH   SOLE   0 0 471
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103   57,360,638 88,201 SH   SOLE   0 0 88,201
SPDR SERIES TRUST STATE STREET SPD 78464A805   349,682 4,423 SH   SOLE   0 0 4,423
SPDR SERIES TRUST STATE STREET SPD 78468R663   437,673 4,776 SH   SOLE   0 0 4,776
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,219,992 48,605 SH   SOLE   0 0 48,605
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   9,284,488 362,110 SH   SOLE   0 0 362,110
SCHWAB STRATEGIC TR LONG TERM US 808524680   3,882,108 123,516 SH   SOLE   0 0 123,516
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,366,639 44,545 SH   SOLE   0 0 44,545
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   4,181,899 168,966 SH   SOLE   0 0 168,966
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   10,521,992 422,400 SH   SOLE   0 0 422,400
SELECT SECTOR SPDR TR STATE STREET CON 81369Y407   3,813,755 34,995 SH   SOLE   0 0 34,995
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803   11,737,329 88,317 SH   SOLE   0 0 88,317
SELECT SECTOR SPDR TR STATE STREET COM 81369Y852   4,040,736 36,449 SH   SOLE   0 0 36,449
TESLA INC COM 88160R101   1,183,280 3,183 SH   SOLE   0 0 3,183
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   14,559,291 197,709 SH   SOLE   0 0 197,709
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   40,543,032 632,694 SH   SOLE   0 0 632,694
VANGUARD INSTL INDEX FD ULTRA-SHORT TREA 922040852   619,504 8,188 SH   SOLE   0 0 8,188
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,785,946 12,912 SH   SOLE   0 0 12,912
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   204,660 2,725 SH   SOLE   0 0 2,725
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   8,721,731 14,596 SH   SOLE   0 0 14,596
VANGUARD INDEX FDS TOTAL STK MKT 922908769   589,510 1,838 SH   SOLE   0 0 1,838
WALMART INC COM 931142103   369,857 2,976 SH   SOLE   0 0 2,976