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
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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
AMAZON COM INC COM 023135106   1,035,960 4,722 SH   SOLE   0 0 4,722
APPLE INC COM 037833100   623,469 3,039 SH   SOLE   0 0 3,039
AUTODESK INC COM 052769106   333,407 1,077 SH   SOLE   0 0 1,077
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   281,747 580 SH   SOLE   0 0 580
CAPITAL ONE FINL CORP COM 14040H105   1,973,789 9,277 SH   SOLE   0 0 9,277
CARPENTER TECHNOLOGY CORP COM 144285103   598,915 2,167 SH   SOLE   0 0 2,167
COSTCO WHSL CORP NEW COM 22160K105   303,405 306 SH   SOLE   0 0 306
EXXON MOBIL CORP COM 30231G102   3,972,322 36,849 SH   SOLE   0 0 36,849
INVESCO QQQ TR UNIT SER 1 46090E103   381,159 691 SH   SOLE   0 0 691
ISHARES TR CORE S&P TTL STK 464287150   2,154,428 15,954 SH   SOLE   0 0 15,954
ISHARES TR SELECT DIVID ETF 464287168   254,278 1,915 SH   SOLE   0 0 1,915
ISHARES TR CORE S&P500 ETF 464287200   702,846 1,132 SH   SOLE   0 0 1,132
ISHARES TR CORE US AGGBD ET 464287226   483,713 4,876 SH   SOLE   0 0 4,876
ISHARES TR RUS 1000 VAL ETF 464287598   207,438 1,068 SH   SOLE   0 0 1,068
ISHARES TR RUSSELL 2000 ETF 464287655   222,970 1,033 SH   SOLE   0 0 1,033
ISHARES TR CORE MSCI TOTAL 46432F834   15,122,044 195,603 SH   SOLE   0 0 195,603
ISHARES TR CORE MSCI INTL 46435G326   718,350 9,447 SH   SOLE   0 0 9,447
LOWES COS INC COM 548661107   212,773 959 SH   SOLE   0 0 959
MICROSOFT CORP COM 594918104   1,076,670 2,165 SH   SOLE   0 0 2,165
NETFLIX INC COM 64110L106   496,817 371 SH   SOLE   0 0 371
NVIDIA CORPORATION COM 67066G104   19,734,183 125,641 SH   SOLE   0 0 125,641
ORACLE CORP COM 68389X105   855,951 3,915 SH   SOLE   0 0 3,915
SPDR S&P 500 ETF TR TR UNIT 78462F103   804,083 1,301 SH   SOLE   0 0 1,301
SCHWAB CHARLES CORP COM 808513105   273,720 3,000 SH   SOLE   0 0 3,000
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   264,783 9,065 SH   SOLE   0 0 9,065
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   248,684 6,214 SH   SOLE   0 0 6,214
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   794,716 35,960 SH   SOLE   0 0 35,960
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   610,844 2,697 SH   SOLE   0 0 2,697
UBER TECHNOLOGIES INC COM 90353T100   436,551 4,679 SH   SOLE   0 0 4,679
UNION PAC CORP COM 907818108   202,847 882 SH   SOLE   0 0 882
VANGUARD STAR FDS VG TL INTL STK F 921909768   28,761,965 415,879 SH   SOLE   0 0 415,879
VANGUARD BD INDEX FDS INTERMED TERM 921937819   3,064,995 39,630 SH   SOLE   0 0 39,630
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   5,294,005 67,268 SH   SOLE   0 0 67,268
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   4,512,874 61,291 SH   SOLE   0 0 61,291
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,308,110 75,568 SH   SOLE   0 0 75,568
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   469,967 3,525 SH   SOLE   0 0 3,525
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   4,099,763 81,555 SH   SOLE   0 0 81,555
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   4,536,197 91,622 SH   SOLE   0 0 91,622
VANGUARD INSTL INDEX FD ULTRA-SHORT TREA 922040852   493,147 6,530 SH   SOLE   0 0 6,530
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,319,443 10,266 SH   SOLE   0 0 10,266
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   354,050 5,267 SH   SOLE   0 0 5,267
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,853,581 57,675 SH   SOLE   0 0 57,675
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   4,720,510 96,278 SH   SOLE   0 0 96,278
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,035,335 3,583 SH   SOLE   0 0 3,583
VANGUARD INDEX FDS SM CP VAL ETF 922908611   619,966 3,179 SH   SOLE   0 0 3,179
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,626,781 5,702 SH   SOLE   0 0 5,702
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   312,748 1,623 SH   SOLE   0 0 1,623
VANGUARD INDEX FDS GROWTH ETF 922908736   12,524,417 28,568 SH   SOLE   0 0 28,568
VANGUARD INDEX FDS VALUE ETF 922908744   10,618,808 60,082 SH   SOLE   0 0 60,082
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,435,301 10,276 SH   SOLE   0 0 10,276
VANGUARD INDEX FDS TOTAL STK MKT 922908769   33,034,510 108,691 SH   SOLE   0 0 108,691