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
AIRBNB INC COM CL A 009066101   273,692 1,805 SH   SOLE   0 0 1,805
AMAZON INC COM 023135106   1,329,522 6,742 SH   SOLE   0 0 6,742
APPLE INC COM 037833100   5,678,411 26,198 SH   SOLE   0 0 26,198
CHEVRON CORP NEW COM COM 166764100   378,482 2,418 SH   SOLE   0 0 2,418
GENERAL ELECTRIC CO COM NEW 369604301   212,775 1,338 SH   SOLE   0 0 1,338
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   10,506,048 98,233 SH   SOLE   0 0 98,233
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   1,133,390 11,368 SH   SOLE   0 0 11,368
HOME DEPOT INC COM 437076102   308,327 917 SH   SOLE   0 0 917
INTERNATIONAL BUSINESS MACHS COM 459200101   325,911 1,861 SH   SOLE   0 0 1,861
ISHARES TR TIPS BD ETF 464287176   1,219,351 11,512 SH   SOLE   0 0 11,512
ISHARES TR CORE S&P 500 ETF 464287200   4,132,457 7,535 SH   SOLE   0 0 7,535
ISHARES TR CORE US AGGBD ET 464287226   33,283,952 345,807 SH   SOLE   0 0 345,807
ISHARES TR MSCI EAFE ETF 464287465   1,160,336 14,787 SH   SOLE   0 0 14,787
ISHARES TR CORE S&P MCP ETF 464287507   805,493 13,895 SH   SOLE   0 0 13,895
ISHARES TR RUS 2000 VAL ETF 464287630   1,132,667 7,505 SH   SOLE   0 0 7,505
ISHARES TR RUS 2000 GRW ETF 464287648   639,896 2,455 SH   SOLE   0 0 2,455
ISHARES TR RUSSELL 2000 ETF 464287655   3,264,107 16,224 SH   SOLE   0 0 16,224
ISHARES TR CORE S&P SCP ETF 464287804   412,937 3,902 SH   SOLE   0 0 3,902
ISHARES TR SHRT NAT MUN ETF 464288158   336,785 3,229 SH   SOLE   0 0 3,229
ISHARES TR ISHS 5-10YR INVT 464288638   1,466,260 28,835 SH   SOLE   0 0 28,835
ISHARES TR AGGRES ALLOC ETF 464289859   3,948,820 52,806 SH   SOLE   0 0 52,806
ISHARES TR MODERT ALLOC ETF 464289875   255,400 5,952 SH   SOLE   0 0 5,952
ISHARES TR CONSER ALLOC ETF 464289883   3,793,962 103,013 SH   SOLE   0 0 103,013
ELI LILLY & CO COM 532457108   1,922,006 2,102 SH   SOLE   0 0 2,102
MARSH & MCLENNAN COS INC 571748102   609,094 2,897 SH   SOLE   0 0 2,897
MICROSOFT CORP COM 594918104   1,672,588 3,662 SH   SOLE   0 0 3,662
SCHWAB STRATEGIC TR SCHWB FDT INTL LG 808524755   1,027,119 29,271 SH   SOLE   0 0 29,271
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   632,451 9,465 SH   SOLE   0 0 9,465
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,235,186 23,947 SH   SOLE   0 0 23,947
VANGUARD INDEX FDS VALUE ETF 921908844   374,683 2,057 SH   SOLE   0 0 2,057
VANGUARD BD INDEX FDS SHORT TRM BND 921937827   3,364,888 44,055 SH   SOLE   0 0 44,055
VANGUARD BD INDEX FDS TOTAL BD MRKT 921937835   1,035,260 14,489 SH   SOLE   0 0 14,489
VANGUARD TAX-MANATGED INTL FD FTSE DEV MKT ETF 921943858   5,410,059 109,383 SH   SOLE   0 0 109,383
VANGUARD WHITEHALL FDS EM MC GOV BD ETF 921946885   4,261,319 68,290 SH   SOLE   0 0 68,290
VANGUARD MALVERN FDS STRM INFOPRO IDX 922020805   5,415,353 112,679 SH   SOLE   0 0 112,679
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   23,673,138 403,084 SH   SOLE   0 0 403,084
VANGUARD INTL EQUITY INDEX FD FTSE EMR MKT ETF 922042858   616,732 14,061 SH   SOLE   0 0 14,061
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   222,189 4,450 SH   SOLE   0 0 4,450
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   307,309 613 SH   SOLE   0 0 613
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   5,869,581 70,743 SH   SOLE   0 0 70,743
VANGUARD INDEX FDS LARGE CAP ETF 922908637   351,493 1,404 SH   SOLE   0 0 1,404
VANGUARD INDEX FDS GROWTH ETF 922908736   273,484 726 SH   SOLE   0 0 726
VANGUARD INDEX FDS VALUE ETF 922908744   1,508,696 9,444 SH   SOLE   0 0 9,444
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,310,808 4,890 SH   SOLE   0 0 4,890
INVESCO QQQ TR UNIT SER 1 46090E103   762,295 1,582 SH   SOLE   0 0 1,582
ALPHABET INC CAP STK CL C 02079K107   566,723 3,072 SH   SOLE   0 0 3,072
ALPHABET INC CAP STK CL A 02079K305   1,038,611 5,676 SH   SOLE   0 0 5,676
COSTCO WHSL CORP NEW COM 22160K105   346,725 410 SH   SOLE   0 0 410
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   617,743 17,112 SH   SOLE   0 0 17,112
EXXON MOBIL CORP COM 30231G102   209,534 1,823 SH   SOLE   0 0 1,823
META PLATFORMS INC CL A 30303M102   766,710 1,519 SH   SOLE   0 0 1,519
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   239,160 10,304 SH   SOLE   0 0 10,304
FUELCELL ENERGY INC COM 35952H601   10,484 17,172 SH   SOLE   0 0 17,172
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   231,715 1,422 SH   SOLE   0 0 1,422
ISHARES TR 0-5 YR TIPS ETF 46429B747   993,959 10,041 SH   SOLE   0 0 10,041
ISHARES TR MSCI USA VALUE 46432F388   441,828 4,284 SH   SOLE   0 0 4,284
ISHARES TR MSCI USA MMENTM 46432F396   1,612,352 8,260 SH   SOLE   0 0 8,260
NVIDIA CORPORATION COM 67066G104   799,279 6,430 SH   SOLE   0 0 6,430
PIMCO ETF TR 1-5 US TIP IDX 72201R205   3,550,719 69,013 SH   SOLE   0 0 69,013
SALESFORCE INC COM 79466L302   214,192 836 SH   SOLE   0 0 836
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,392,415 17,561 SH   SOLE   0 0 17,561