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
Schwab U.S. Broad Market ETF COM 808524102   22,974,281 915,310 SH   SOLE   915,310 0 0
WisdomTree Floating Rate Treasury Fund COM 97717Y527   16,756,448 332,865 SH   SOLE   332,865 0 0
Vanguard Total Stock Market ETF COM 922908769   15,012,620 46,796 SH   SOLE   46,796 0 0
ISHARES 0-3 MONTH TREASURY BOND ETF COM 46436E718   10,258,563 101,913 SH   SOLE   101,913 0 0
Vanguard FTSE Emerging Markets ETF COM 922042858   8,284,109 153,268 SH   SOLE   153,268 0 0
Schwab International Equity ETF COM 808524805   7,562,345 305,549 SH   SOLE   305,549 0 0
Vanguard Total Bond Market ETF COM 921937835   6,266,441 85,096 SH   SOLE   85,096 0 0
Vanguard FTSE Developed Markets ETF COM 921943858   5,692,906 88,841 SH   SOLE   88,841 0 0
Schwab US Aggregate Bond ETF COM 808524839   5,189,953 223,512 SH   SOLE   223,512 0 0
Tesla, Inc. - Common Stock COM 88160R101   4,643,333 12,490 SH   SOLE   12,490 0 0
iShares U.S. Treasury Bond ETF COM 46429B267   4,262,269 186,044 SH   SOLE   186,044 0 0
Schwab Emerging Markets Equity ETF COM 808524706   3,756,518 114,007 SH   SOLE   114,007 0 0
iShares Core U.S. Aggregate Bond ETF COM 464287226   3,712,024 37,393 SH   SOLE   37,393 0 0
NVIDIA Corporation - Common Stock COM 67066G104   3,223,916 18,486 SH   SOLE   18,486 0 0
AMAZON.COM INC COM 023135106   3,021,844 14,509 SH   SOLE   14,509 0 0
iShares International Aggregate Bond Fund COM 46435G672   2,391,424 47,790 SH   SOLE   47,790 0 0
Alphabet Inc. - Class C Capital Stock COM 02079K107   2,264,572 7,894 SH   SOLE   7,894 0 0
Microsoft Corporation - Common Stock COM 594918104   2,171,875 5,867 SH   SOLE   5,867 0 0
Vanguard S&P 500 ETF COM 922908363   1,846,915 3,091 SH   SOLE   3,091 0 0
APPLE INC COM 037833100   1,779,460 7,012 SH   SOLE   7,012 0 0
Vanguard Short-Term Corporate Bond ETF COM 92206C409   1,596,870 20,145 SH   SOLE   20,145 0 0
BERKSHIRE HATHAWAY INC D CLASS A COM 084670108   1,436,280 2 SH   SOLE   2 0 0
Vanguard Total International Bond ETF COM 92203J407   1,288,483 26,815 SH   SOLE   26,815 0 0
JP Morgan Chase & Co. Common Stock COM 46625H100   1,163,490 3,955 SH   SOLE   3,955 0 0
iShares Core S&P Total U.S. Stock Market ETF COM 464287150   1,113,777 7,820 SH   SOLE   7,820 0 0
VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ETF SHARES COM 921909768   1,035,433 13,428 SH   SOLE   13,428 0 0
Meta Platforms, Inc. - Class A Common Stock COM 30303M102   952,238 1,664 SH   SOLE   1,664 0 0
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF COM 464288646   885,794 16,853 SH   SOLE   16,853 0 0
Netflix, Inc. - Common Stock COM 64110L106   760,246 7,907 SH   SOLE   7,907 0 0
Schwab Short-Term U.S. Treasury ETF COM 808524862   676,751 27,884 SH   SOLE   27,884 0 0
iShares Core S&P 500 ETF COM 464287200   652,392 999 SH   SOLE   999 0 0
Vanguard Short-Term Treasury ETF COM 92206C102   593,570 10,140 SH   SOLE   10,140 0 0
NextEra Energy, Inc. Common Stock COM 65339F101   587,030 6,320 SH   SOLE   6,320 0 0
iShares Core MSCI Emerging Markets ETF COM 46434G103   564,324 8,091 SH   SOLE   8,091 0 0
iShares Core MSCI EAFE ETF COM 46432F842   531,967 5,876 SH   SOLE   5,876 0 0
State Street SPDR S&P 500 ETF Trust COM 78462F103   509,029 783 SH   SOLE   783 0 0
Roblox Corporation Class A Common Stock COM 771049103   500,977 8,857 SH   SOLE   8,857 0 0
STATE STREET SPDR BLOOMBERG 1-3 MONTH T-BILL ETF COM 78468R663   490,274 5,350 SH   SOLE   5,350 0 0
MASTERCARD INC CLASS CLASS A COM 57636Q104   483,171 967 SH   SOLE   967 0 0
Spotify Technology S.A. Ordinary Shares COM L8681T102   434,960 897 SH   SOLE   897 0 0
Roku, Inc. - Class A Common Stock COM 77543R102   419,974 4,439 SH   SOLE   4,439 0 0
ELI LILLY AND CO COM 532457108   389,063 423 SH   SOLE   423 0 0
Palantir Technologies Inc. - Class A Common Stock COM 69608A108   382,815 2,617 SH   SOLE   2,617 0 0
Datadog, Inc. - Class A Common Stock COM 23804L103   369,875 3,133 SH   SOLE   3,133 0 0
VANGUARD GROWTH INDEX FUND ETF SHARES COM 922908736   351,179 804 SH   SOLE   804 0 0
UnitedHealth Group Incorporated Common Stock (DE) COM 91324P102   322,081 1,190 SH   SOLE   1,190 0 0
Shopify Inc. - Class A Subordinate Voting Shares COM 82509L107   296,571 2,500 SH   SOLE   2,500 0 0
ALPHABET INC CLASS CLASS A COM 02079K305   293,886 1,022 SH   SOLE   1,022 0 0
Johnson & Johnson Common Stock COM 478160104   293,838 1,202 SH   SOLE   1,202 0 0
Cloudflare, Inc. Class A Common Stock COM 18915M107   287,909 1,395 SH   SOLE   1,395 0 0
CrowdStrike Holdings, Inc. - Class A Common Stock COM 22788C105   272,280 697 SH   SOLE   697 0 0
Sea Limited American Depositary Shares, each representing one Class A Ordinary Share COM 81141R100   271,665 3,281 SH   SOLE   3,281 0 0
Taiwan Semiconductor Manufacturing Company Ltd. COM 874039100   261,850 775 SH   SOLE   775 0 0
Hims & Hers Health, Inc. Class A Common Stock COM 433000106   255,823 12,323 SH   SOLE   12,323 0 0
Walt Disney Company (The) Common Stock COM 254687106   249,987 2,594 SH   SOLE   2,594 0 0
FEDEX CORP COM 31428X106   231,517 650 SH   SOLE   650 0 0
GOLDMAN SACHS ACCESS TREASURY 0-1 YEAR ETF COM 381430529   227,031 2,266 SH   SOLE   2,266 0 0
Home Depot, Inc. (The) Common Stock COM 437076102   216,097 657 SH   SOLE   657 0 0
Twilio Inc. Class A Common Stock COM 90138F102   213,975 1,701 SH   SOLE   1,701 0 0
AMERICAN ELEC PWR CO INC COM 025537101   211,643 1,615 SH   SOLE   1,615 0 0
Rio Tinto Plc Common Stock COM 767204100   210,141 2,253 SH   SOLE   2,253 0 0
McDonald's Corporation Common Stock COM 580135101   208,415 671 SH   SOLE   671 0 0
Block, Inc. Class A Common Stock, COM 852234103   208,107 3,458 SH   SOLE   3,458 0 0
Caterpillar, Inc. Common Stock COM 149123101   206,755 292 SH   SOLE   292 0 0
Nu Holdings Ltd. Class A Ordinary Shares COM G6683N103   164,029 11,415 SH   SOLE   11,415 0 0
Opendoor Technologies Inc - Common Stock COM 683712103   110,132 23,532 SH   SOLE   23,532 0 0