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
AT&T INC COM 00206R102   376,938 16,554 SH   SOLE   0 0 16,554
ALPHABET INC CAP STK CL C 02079K107   345,531 1,814 SH   SOLE   0 0 1,814
ALPHABET INC CAP STK CL A 02079K305   1,302,383 6,880 SH   SOLE   0 0 6,880
AMAZON COM INC COM 023135106   1,628,093 7,421 SH   SOLE   0 0 7,421
APPLE INC COM 037833100   9,344,610 37,316 SH   SOLE   0 0 37,316
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   316,163 698 SH   SOLE   0 0 698
CAPITAL GRP FIXED INCM ETF T CORE BOND ETF 14020Y508   260,556 10,103 SH   SOLE   0 0 10,103
CHEVRON CORP NEW COM 166764100   253,222 1,748 SH   SOLE   0 0 1,748
COCA COLA CO COM 191216100   210,722 3,385 SH   SOLE   0 0 3,385
COSTCO WHSL CORP NEW COM 22160K105   330,987 361 SH   SOLE   0 0 361
DTE ENERGY CO COM 233331107   561,282 4,648 SH   SOLE   0 0 4,648
DT MIDSTREAM INC COMMON STOCK 23345M107   232,964 2,343 SH   SOLE   0 0 2,343
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   901,892 33,944 SH   SOLE   0 0 33,944
DISNEY WALT CO COM 254687106   543,373 4,880 SH   SOLE   0 0 4,880
EXXON MOBIL CORP COM 30231G102   374,875 3,485 SH   SOLE   0 0 3,485
META PLATFORMS INC CL A 30303M102   921,007 1,573 SH   SOLE   0 0 1,573
FORD MTR CO COM 345370860   285,509 28,839 SH   SOLE   0 0 28,839
HOME DEPOT INC COM 437076102   385,100 990 SH   SOLE   0 0 990
HONEYWELL INTL INC COM 438516106   210,078 930 SH   SOLE   0 0 930
INNOVATOR ETFS TRUST US EQTY ULTRA B 45782C532   323,635 9,223 SH   SOLE   0 0 9,223
INNOVATOR ETFS TRUST INNOVATOR INTL D 45783Y285   213,135 8,657 SH   SOLE   0 0 8,657
INNOVATOR ETFS TRUST POWER BUFFER SET 45783Y723   939,635 29,336 SH   SOLE   0 0 29,336
ISHARES TR CORE S&P500 ETF 464287200   924,612 1,571 SH   SOLE   0 0 1,571
ISHARES TR S&P 500 GRWT ETF 464287309   374,654 3,690 SH   SOLE   0 0 3,690
ISHARES TR RUS MID CAP ETF 464287499   471,547 5,334 SH   SOLE   0 0 5,334
ISHARES TR CORE S&P MCP ETF 464287507   1,173,858 18,839 SH   SOLE   0 0 18,839
ISHARES TR RUS 1000 GRW ETF 464287614   226,893 565 SH   SOLE   0 0 565
ISHARES TR RUSSELL 3000 ETF 464287689   594,702 1,779 SH   SOLE   0 0 1,779
ISHARES TR CORE S&P SCP ETF 464287804   225,211 1,955 SH   SOLE   0 0 1,955
JPMORGAN CHASE & CO. COM 46625H100   884,316 3,689 SH   SOLE   0 0 3,689
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   449,859 9,861 SH   SOLE   0 0 9,861
MASTERCARD INCORPORATED CL A 57636Q104   275,615 523 SH   SOLE   0 0 523
MICROSOFT CORP COM 594918104   2,343,081 5,559 SH   SOLE   0 0 5,559
NETFLIX INC COM 64110L106   354,745 398 SH   SOLE   0 0 398
NVIDIA CORPORATION COM 67066G104   593,701 4,421 SH   SOLE   0 0 4,421
PROCTER AND GAMBLE CO COM 742718109   200,912 1,198 SH   SOLE   0 0 1,198
S&P GLOBAL INC COM 78409V104   310,771 624 SH   SOLE   0 0 624
SPDR S&P 500 ETF TR TR UNIT 78462F103   734,488 1,253 SH   SOLE   0 0 1,253
SPDR SERIES TRUST BBG CONV SEC ETF 78464A359   5,832,948 74,887 SH   SOLE   0 0 74,887
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854   325,535 4,722 SH   SOLE   0 0 4,722
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   245,489 431 SH   SOLE   0 0 431
SPDR SERIES TRUST SPDR S&P 500 ETF 78468R796   266,703 5,539 SH   SOLE   0 0 5,539
SPDR SERIES TRUST PORTFOLIO S&P600 78468R853   326,119 7,260 SH   SOLE   0 0 7,260
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   11,992,923 430,317 SH   SOLE   0 0 430,317
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,254,673 48,127 SH   SOLE   0 0 48,127
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   519,743 20,098 SH   SOLE   0 0 20,098
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   293,676 8,843 SH   SOLE   0 0 8,843
STRYKER CORPORATION COM 863667101   591,562 1,643 SH   SOLE   0 0 1,643
TESLA INC COM 88160R101   2,135,910 5,289 SH   SOLE   0 0 5,289
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,731,947 24,085 SH   SOLE   0 0 24,085
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,489,366 52,057 SH   SOLE   0 0 52,057
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,003,759 20,464 SH   SOLE   0 0 20,464
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   1,173,420 10,250 SH   SOLE   0 0 10,250
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   523,863 11,895 SH   SOLE   0 0 11,895
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   20,247,970 259,556 SH   SOLE   0 0 259,556
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   2,526,101 50,391 SH   SOLE   0 0 50,391
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   778,923 4,815 SH   SOLE   0 0 4,815
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   228,629 901 SH   SOLE   0 0 901
VANGUARD INDEX FDS SML CP GRW ETF 922908595   843,821 3,013 SH   SOLE   0 0 3,013
VANGUARD INDEX FDS MID CAP ETF 922908629   5,475,154 20,729 SH   SOLE   0 0 20,729
VANGUARD INDEX FDS LARGE CAP ETF 922908637   2,626,274 9,738 SH   SOLE   0 0 9,738
VANGUARD INDEX FDS GROWTH ETF 922908736   1,162,052 2,831 SH   SOLE   0 0 2,831
VERTEX PHARMACEUTICALS INC COM 92532F100   274,641 682 SH   SOLE   0 0 682
VISA INC COM CL A 92826C839   239,208 757 SH   SOLE   0 0 757