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
Estimated average burden
hours per response: 23.8
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
AMAZON COM INC COM 023135106   925,234 4,863 SH   SOLE   0 0 4,863
APPLE INC COM 037833100   654,220 2,945 SH   SOLE   0 0 2,945
AUTODESK INC COM 052769106   281,959 1,077 SH   SOLE   0 0 1,077
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   307,831 578 SH   SOLE   0 0 578
CAPITAL ONE FINL CORP COM 14040H105   1,674,065 9,337 SH   SOLE   0 0 9,337
CARPENTER TECHNOLOGY CORP COM 144285103   392,617 2,167 SH   SOLE   0 0 2,167
COSTCO WHSL CORP NEW COM 22160K105   289,748 306 SH   SOLE   0 0 306
EXXON MOBIL CORP COM 30231G102   4,389,706 36,910 SH   SOLE   0 0 36,910
INVESCO QQQ TR UNIT SER 1 46090E103   324,003 691 SH   SOLE   0 0 691
ISHARES TR SELECT DIVID ETF 464287168   257,112 1,915 SH   SOLE   0 0 1,915
ISHARES TR CORE S&P500 ETF 464287200   635,934 1,132 SH   SOLE   0 0 1,132
ISHARES TR CORE US AGGBD ET 464287226   479,162 4,844 SH   SOLE   0 0 4,844
ISHARES TR RUS 1000 VAL ETF 464287598   250,817 1,333 SH   SOLE   0 0 1,333
ISHARES TR RUSSELL 2000 ETF 464287655   219,439 1,100 SH   SOLE   0 0 1,100
ISHARES TR CORE MSCI TOTAL 46432F834   4,006,807 57,396 SH   SOLE   0 0 57,396
ISHARES TR CORE MSCI INTL 46435G326   650,804 9,447 SH   SOLE   0 0 9,447
LOWES COS INC COM 548661107   226,700 972 SH   SOLE   0 0 972
MICROSOFT CORP COM 594918104   732,458 1,951 SH   SOLE   0 0 1,951
NETFLIX INC COM 64110L106   345,969 371 SH   SOLE   0 0 371
NVIDIA CORPORATION COM 67066G104   15,761,855 145,431 SH   SOLE   0 0 145,431
ORACLE CORP COM 68389X105   570,187 4,078 SH   SOLE   0 0 4,078
SPDR S&P 500 ETF TR TR UNIT 78462F103   727,827 1,301 SH   SOLE   0 0 1,301
SCHWAB CHARLES CORP COM 808513105   234,840 3,000 SH   SOLE   0 0 3,000
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   226,983 9,065 SH   SOLE   0 0 9,065
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   224,574 6,214 SH   SOLE   0 0 6,214
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   708,559 35,822 SH   SOLE   0 0 35,822
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   447,702 2,697 SH   SOLE   0 0 2,697
UBER TECHNOLOGIES INC COM 90353T100   340,912 4,679 SH   SOLE   0 0 4,679
UNION PAC CORP COM 907818108   207,182 877 SH   SOLE   0 0 877
VANGUARD STAR FDS VG TL INTL STK F 921909768   25,118,065 404,478 SH   SOLE   0 0 404,478
VANGUARD BD INDEX FDS INTERMED TERM 921937819   3,136,602 40,964 SH   SOLE   0 0 40,964
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   4,766,714 60,893 SH   SOLE   0 0 60,893
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   4,245,570 57,802 SH   SOLE   0 0 57,802
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   7,289,915 143,418 SH   SOLE   0 0 143,418
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   453,321 3,515 SH   SOLE   0 0 3,515
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   3,560,675 71,356 SH   SOLE   0 0 71,356
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   4,160,431 85,220 SH   SOLE   0 0 85,220
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,123,059 9,686 SH   SOLE   0 0 9,686
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   318,763 5,255 SH   SOLE   0 0 5,255
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,275,427 72,369 SH   SOLE   0 0 72,369
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   4,807,483 96,886 SH   SOLE   0 0 96,886
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,851,693 3,603 SH   SOLE   0 0 3,603
VANGUARD INDEX FDS SM CP VAL ETF 922908611   592,244 3,179 SH   SOLE   0 0 3,179
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,428,830 5,559 SH   SOLE   0 0 5,559
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   279,364 1,622 SH   SOLE   0 0 1,622
VANGUARD INDEX FDS GROWTH ETF 922908736   11,357,278 30,627 SH   SOLE   0 0 30,627
VANGUARD INDEX FDS VALUE ETF 922908744   10,600,280 61,366 SH   SOLE   0 0 61,366
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,275,687 10,262 SH   SOLE   0 0 10,262
VANGUARD INDEX FDS TOTAL STK MKT 922908769   27,232,582 99,085 SH   SOLE   0 0 99,085