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   543,536 2,984 SH   SOLE 0 0 0 2,984
ALTRIA GROUP INC COM 02209S103   227,750 5,000 SH   SOLE 0 0 0 5,000
AMAZON COM INC COM 023135106   707,488 3,661 SH   SOLE 0 0 0 3,661
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   341,221 5,430 SH   SOLE 0 0 0 5,430
APPLE INC COM 037833100   2,833,832 13,455 SH   SOLE 0 0 0 13,455
ARES CAPITAL CORP COM 04010L103   229,240 11,000 SH   SOLE 0 0 0 11,000
BOSTON SCIENTIFIC CORP COM 101137107   332,529 4,318 SH   SOLE 0 0 0 4,318
BUNGE GLOBAL SA COM SHS H11356104   200,728 1,880 SH   SOLE 0 0 0 1,880
CDW CORP COM 12514G108   228,317 1,020 SH   SOLE 0 0 0 1,020
CEL-SCI CORP COM PAR NEW 150837607   19,140 16,500 SH   SOLE 0 0 0 16,500
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   818,270 17,410 SH   SOLE 0 0 0 17,410
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   483,359 11,636 SH   SOLE 0 0 0 11,636
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   1,775,264 47,353 SH   SOLE 0 0 0 47,353
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   782,932 26,388 SH   SOLE 0 0 0 26,388
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   359,508 10,003 SH   SOLE 0 0 0 10,003
ENVIVA INC COM 29415B103   8,611 20,025 SH   SOLE 0 0 0 20,025
FIDELITY COVINGTON TRUST EMERG MKTS MLTFT 316092543   548,149 21,416 SH   SOLE 0 0 0 21,416
FIDELITY COVINGTON TRUST FIDELITY US MLTF 316092378   251,841 7,978 SH   SOLE 0 0 0 7,978
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   2,340,628 52,095 SH   SOLE 0 0 0 52,095
GOLDMAN SACHS BDC INC SHS 38147U107   150,300 10,000 SH   SOLE 0 0 0 10,000
HOME DEPOT INC COM 437076102   233,395 678 SH   SOLE 0 0 0 678
ISHARES INC MSCI EURZONE ETF 464286608   384,887 7,883 SH   SOLE 0 0 0 7,883
ISHARES INC MSCI PAC JP ETF 464286665   204,250 4,750 SH   SOLE 0 0 0 4,750
ISHARES INC CORE MSCI EMKT 46434G103   2,824,403 52,763 SH   SOLE 0 177 0 52,586
ISHARES INC MSCI EMRG CHN 46434G764   1,387,056 23,430 SH   SOLE 0 58 0 23,372
ISHARES TR US INFRASTRUC 46435U713   1,232,979 29,273 SH   SOLE 0 62 0 29,211
ISHARES TR IBONDS 24 TRM HG 46435U184   200,801 8,640 SH   SOLE 0 0 0 8,640
ISHARES TR MSCI USA MIN VOL 46429B697   1,731,668 20,625 SH   SOLE 0 49 0 20,576
ISHARES TR ESG AWR MSCI USA 46435G425   2,342,490 19,632 SH   SOLE 0 101 0 19,531
ISHARES TR MSCI USA QLT FCT 46432F339   10,436,680 61,119 SH   SOLE 0 142 0 60,977
ISHARES TR TRS FLT RT BD 46434V860   2,427,931 47,926 SH   SOLE 0 0 0 47,926
ISHARES TR CORE TOTAL USD 46434V613   6,105,080 135,008 SH   SOLE 0 355 0 134,653
ISHARES TR GLOBAL ENERG ETF 464287341   516,966 12,454 SH   SOLE 0 60 0 12,394
ISHARES TR U.S. TECH ETF 464287721   4,573,996 30,392 SH   SOLE 0 66 0 30,326
ISHARES TR MSCI UK ETF NEW 46435G334   211,373 6,060 SH   SOLE 0 0 0 6,060
ISHARES TR CORE S&P MCP ETF 464287507   266,266 4,550 SH   SOLE 0 0 0 4,550
ISHARES TR CORE S&P SCP ETF 464287804   250,118 2,345 SH   SOLE 0 0 0 2,345
ISHARES TR S&P 500 GRWT ETF 464287309   3,492,089 37,736 SH   SOLE 0 72 0 37,664
ISHARES TR RUS 1000 VAL ETF 464287598   676,246 3,876 SH   SOLE 0 0 0 3,876
ISHARES TR RUS 1000 GRW ETF 464287614   695,121 1,907 SH   SOLE 0 0 0 1,907
ISHARES TR S&P 100 ETF 464287101   3,700,464 14,001 SH   SOLE 0 30 0 13,971
ISHARES TR TIPS BD ETF 464287176   1,379,064 12,915 SH   SOLE 0 13 0 12,902
ISHARES TR EAFE VALUE ETF 464288877   7,416,848 139,835 SH   SOLE 0 365 0 139,470
ISHARES TR EAFE GRWTH ETF 464288885   4,807,374 46,993 SH   SOLE 0 112 0 46,881
ISHARES TR JPMORGAN USD EMG 464288281   640,595 7,240 SH   SOLE 0 0 0 7,240
META PLATFORMS INC CL A 30303M102   246,564 489 SH   SOLE 0 0 0 489
MICROSOFT CORP COM 594918104   1,496,997 3,349 SH   SOLE 0 0 0 3,349
NVIDIA CORPORATION COM 67066G104   491,319 3,977 SH   SOLE 0 0 0 3,977
OLD DOMINION FREIGHT LINE IN COM 679580100   257,836 1,460 SH   SOLE 0 0 0 1,460
PHILIP MORRIS INTL INC COM 718172109   1,023,636 10,102 SH   SOLE 0 0 0 10,102
PROCORE TECHNOLOGIES INC COM 74275K108   601,034 9,064 SH   SOLE 0 0 0 9,064
PROGRESSIVE CORP COM 743315103   293,079 1,411 SH   SOLE 0 0 0 1,411
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   2,010,078 45,580 SH   SOLE 0 76 0 45,504
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   6,490,299 142,394 SH   SOLE 0 275 0 142,119
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,989,124 3,655 SH   SOLE 0 0 0 3,655
SPDR SER TR PORTFOLIO S&P500 78464A854   44,475,200 694,925 SH   SOLE 0 1,588 0 693,337
SPDR SER TR BLOOMBERG INVT 78468R200   2,327,324 75,440 SH   SOLE 0 278 0 75,162
UNITEDHEALTH GROUP INC COM 91324P102   291,297 572 SH   SOLE 0 0 0 572
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   804,193 10,485 SH   SOLE 0 0 0 10,485
VANGUARD BD INDEX FDS INTERMED TERM 921937819   4,102,049 54,774 SH   SOLE 0 0 0 54,774
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   387,747 5,516 SH   SOLE 0 0 0 5,516
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   860,178 17,674 SH   SOLE 0 0 0 17,674
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,658,732 5,316 SH   SOLE 0 0 0 5,316
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   378,939 2,245 SH   SOLE 0 0 0 2,245
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   541,649 12,378 SH   SOLE 0 0 0 12,378
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   6,267,588 138,053 SH   SOLE 0 165 0 137,888
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   3,799,439 65,871 SH   SOLE 0 131 0 65,740
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,482,267 29,993 SH   SOLE 0 0 0 29,993
VANGUARD WORLD FD ENERGY ETF 92204A306   571,258 4,478 SH   SOLE 0 0 0 4,478