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
ALPHABET INC CAP STK CL A 02079K305   472,054 2,592 SH   SOLE   0 0 2,592
AMAZON COM INC COM 023135106   747,878 3,870 SH   SOLE   0 0 3,870
APPLE INC COM 037833100   1,823,118 8,656 SH   SOLE   0 0 8,656
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   226,994 558 SH   SOLE   0 0 558
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   1,808,598 38,530 SH   SOLE   0 0 38,530
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   657,579 11,069 SH   SOLE   0 0 11,069
BLACKROCK ETF TRUST II FLEXIBLE INCOME 092528603   375,944 7,202 SH   SOLE   0 0 7,202
BROADCOM INC COM 11135F101   231,196 144 SH   SOLE   0 0 144
CHEVRON CORP NEW COM 166764100   232,753 1,488 SH   SOLE   0 0 1,488
COSTCO WHSL CORP NEW COM 22160K105   343,741 404 SH   SOLE   0 0 404
ELI LILLY & CO COM 532457108   275,346 304 SH   SOLE   0 0 304
EXXON MOBIL CORP COM 30231G102   550,619 4,783 SH   SOLE   0 0 4,783
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865   2,956,015 67,243 SH   SOLE   0 0 67,243
GE AEROSPACE COM NEW 369604301   640,490 4,029 SH   SOLE   0 0 4,029
GOLDMAN SACHS ETF TR MARKETBETA US EQ 381430123   1,220,008 16,319 SH   SOLE   0 0 16,319
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   390,154 3,648 SH   SOLE   0 0 3,648
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   654,425 19,448 SH   SOLE   0 0 19,448
GOLDMAN SACHS ETF TR ACCESS INVT GR 381430479   279,690 6,181 SH   SOLE   0 0 6,181
GOLDMAN SACHS ETF TR ACCESS US AGRAT 38149W101   1,067,886 26,179 SH   SOLE   0 0 26,179
GRACO INC COM 384109104   245,490 3,096 SH   SOLE 1 0 0 3,096
HOME DEPOT INC COM 437076102   301,554 876 SH   SOLE   0 0 876
INTERNATIONAL BUSINESS MACHS COM 459200101   711,862 4,116 SH   SOLE   0 0 4,116
INTUIT COM 461202103   258,284 393 SH   SOLE   0 0 393
ISHARES GOLD TR ISHARES NEW 464285204   3,246,308 73,896 SH   SOLE   0 0 73,896
ISHARES INC CORE MSCI EMKT 46434G103   449,706 8,401 SH   SOLE   0 0 8,401
ISHARES INC MSCI EMRG CHN 46434G764   571,458 9,653 SH   SOLE   0 0 9,653
ISHARES INC CORE MSCI EMKT 46434G103   713,394 13,327 SH   SOLE 1 0 0 13,327
ISHARES TR S&P 500 VAL ETF 464287408   1,010,884 5,554 SH   SOLE   0 0 5,554
ISHARES TR CORE S&P500 ETF 464287200   6,134,996 11,211 SH   SOLE   0 0 11,211
ISHARES TR S&P 500 GRWT ETF 464287309   1,906,324 20,600 SH   SOLE   0 0 20,600
ISHARES TR RUS MD CP GR ETF 464287481   299,931 2,718 SH   SOLE   0 0 2,718
ISHARES TR U.S. TECH ETF 464287721   826,998 5,495 SH   SOLE   0 0 5,495
ISHARES TR 20 YR TR BD ETF 464287432   546,458 5,954 SH   SOLE   0 0 5,954
ISHARES TR CORE US AGGBD ET 464287226   11,127,717 114,636 SH   SOLE   0 0 114,636
ISHARES TR EAFE VALUE ETF 464288877   807,640 15,227 SH   SOLE   0 0 15,227
ISHARES TR EAFE GRWTH ETF 464288885   1,302,279 12,730 SH   SOLE   0 0 12,730
ISHARES TR IBOXX HI YD ETF 464288513   2,713,170 35,172 SH   SOLE   0 0 35,172
ISHARES TR MSCI KLD400 SOC 464288570   476,464 4,588 SH   SOLE   0 0 4,588
ISHARES TR MBS ETF 464288588   938,941 10,227 SH   SOLE   0 0 10,227
ISHARES TR NATIONAL MUN ETF 464288414   1,294,689 12,151 SH   SOLE   0 0 12,151
ISHARES TR JPMORGAN USD EMG 464288281   2,865,734 32,388 SH   SOLE   0 0 32,388
ISHARES TR MSCI USA QLT FCT 46432F339   1,874,156 10,975 SH   SOLE   0 0 10,975
ISHARES TR HDG MSCI EAFE 46434V803   404,154 11,367 SH   SOLE   0 0 11,367
ISHARES TR CORE TOTAL USD 46434V613   3,740,598 82,720 SH   SOLE   0 0 82,720
ISHARES TR CORE INTL AGGR 46435G672   4,668,526 93,520 SH   SOLE   0 0 93,520
ISHARES TR ESG AWR MSCI USA 46435G425   315,363 2,643 SH   SOLE   0 0 2,643
ISHARES TR ESG AWRE USD ETF 46435G193   537,987 23,679 SH   SOLE   0 0 23,679
ISHARES TR ESG AWR US AGRGT 46435U549   351,906 7,550 SH   SOLE   0 0 7,550
ISHARES TR ESG MSCI USA ETF 46436E767   406,504 8,727 SH   SOLE   0 0 8,727
ISHARES TR ESG EAFE ETF 46436E759   216,578 3,212 SH   SOLE   0 0 3,212
ISHARES TR ESG ADV TTL USD 46436E619   351,123 8,252 SH   SOLE   0 0 8,252
ISHARES TR CORE MSCI INTL 46435G326   1,514,249 23,069 SH   SOLE 1 0 0 23,069
ISHARES TR RUS TP200 GR ETF 464289438   374,552 1,746 SH   SOLE 1 0 0 1,746
ISHARES TR RUS TP200 VL ETF 464289420   212,938 2,846 SH   SOLE 1 0 0 2,846
JOHNSON & JOHNSON COM 478160104   418,310 2,862 SH   SOLE   0 0 2,862
MASTERCARD INCORPORATED CL A 57636Q104   205,581 466 SH   SOLE   0 0 466
META PLATFORMS INC CL A 30303M102   356,484 707 SH   SOLE   0 0 707
MICROSOFT CORP COM 594918104   1,356,815 3,036 SH   SOLE   0 0 3,036
NVIDIA CORPORATION COM 67066G104   1,141,664 9,241 SH   SOLE   0 0 9,241
PROCTER AND GAMBLE CO COM 742718109   224,126 1,359 SH   SOLE   0 0 1,359
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   3,715,189 96,699 SH   SOLE   0 0 96,699
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   3,115,270 30,893 SH   SOLE   0 0 30,893
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   3,271,753 44,165 SH   SOLE   0 0 44,165
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   4,803,438 180,852 SH   SOLE   0 0 180,852
SCHWAB STRATEGIC TR US TIPS ETF 808524870   4,656,170 89,525 SH   SOLE   0 0 89,525
SCHWAB STRATEGIC TR US REIT ETF 808524847   2,675,048 133,953 SH   SOLE   0 0 133,953
SPDR SER TR PORTFOLIO LN TSR 78464A664   219,720 8,072 SH   SOLE   0 0 8,072
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   786,175 10,250 SH   SOLE   0 0 10,250
VANGUARD BD INDEX FDS INTERMED TERM 921937819   374,150 4,996 SH   SOLE   0 0 4,996
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   371,623 5,287 SH   SOLE   0 0 5,287
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   821,842 16,886 SH   SOLE   0 0 16,886
VANGUARD INDEX FDS VALUE ETF 922908744   2,432,778 15,166 SH   SOLE   0 0 15,166
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,613,306 25,276 SH   SOLE   0 0 25,276
VANGUARD INDEX FDS SMALL CP ETF 922908751   595,249 2,730 SH   SOLE   0 0 2,730
VANGUARD INDEX FDS GROWTH ETF 922908736   3,315,973 8,866 SH   SOLE   0 0 8,866
VANGUARD INDEX FDS SML CP GRW ETF 922908595   3,646,422 14,578 SH   SOLE   0 0 14,578
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   3,232,921 14,083 SH   SOLE   0 0 14,083
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   3,721,425 24,739 SH   SOLE   0 0 24,739
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   603,657 1,207 SH   SOLE   0 0 1,207
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   9,166,383 18,328 SH   SOLE 1 0 0 18,328
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   941,409 21,513 SH   SOLE   0 0 21,513
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   2,652,013 65,369 SH   SOLE   0 0 65,369
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   2,899,058 57,854 SH   SOLE   0 0 57,854
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   394,617 8,692 SH   SOLE   0 0 8,692
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   632,323 10,904 SH   SOLE 1 0 0 10,904
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,725,216 55,144 SH   SOLE   0 0 55,144