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
ABBVIE INC COM 00287Y109   390,894 2,279 SH   SOLE   0 0 2,279
ALPHABET INC CAP STK CL C 02079K107   1,328,511 7,243 SH   SOLE   0 0 7,243
ALPHABET INC CAP STK CL A 02079K305   1,749,369 9,604 SH   SOLE   0 0 9,604
ALTRIA GROUP INC COM 02209S103   319,581 7,016 SH   SOLE   0 0 7,016
AMAZON COM INC COM 023135106   2,364,221 12,234 SH   SOLE   0 0 12,234
AMERICAN EXPRESS CO COM 025816109   271,840 1,174 SH   SOLE   0 0 1,174
AMERICAN WTR WKS CO INC NEW COM 030420103   248,762 1,926 SH   SOLE   0 0 1,926
AMGEN INC COM 031162100   211,529 677 SH   SOLE   0 0 677
APPLE INC COM 037833100   9,296,275 44,138 SH   SOLE   0 0 44,138
APPLIED MATLS INC COM 038222105   392,923 1,665 SH   SOLE   0 0 1,665
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,301,353 3,199 SH   SOLE   0 0 3,199
BROADCOM INC COM 11135F101   541,597 337 SH   SOLE   0 0 337
CHEVRON CORP NEW COM 166764100   412,323 2,636 SH   SOLE   0 0 2,636
CISCO SYS INC COM 17275R102   236,317 4,974 SH   SOLE   0 0 4,974
COCA COLA CO COM 191216100   269,876 4,240 SH   SOLE   0 0 4,240
COMCAST CORP NEW CL A 20030N101   295,541 7,547 SH   SOLE   0 0 7,547
COSTCO WHSL CORP NEW COM 22160K105   1,375,567 1,618 SH   SOLE   0 0 1,618
CSX CORP COM 126408103   265,426 7,935 SH   SOLE   0 0 7,935
DANAHER CORPORATION COM 235851102   442,067 1,769 SH   SOLE   0 0 1,769
DEERE & CO COM 244199105   316,838 848 SH   SOLE   0 0 848
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   934,363 24,923 SH   SOLE   0 0 24,923
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   393,353 6,684 SH   SOLE   0 0 6,684
DISNEY WALT CO COM 254687106   332,377 3,348 SH   SOLE   0 0 3,348
DUKE ENERGY CORP NEW COM NEW 26441C204   305,155 3,045 SH   SOLE   0 0 3,045
ELI LILLY & CO COM 532457108   709,667 784 SH   SOLE   0 0 784
GILEAD SCIENCES INC COM 375558103   690,285 10,061 SH   SOLE   0 0 10,061
HOME DEPOT INC COM 437076102   650,728 1,890 SH   SOLE   0 0 1,890
HONEYWELL INTL INC COM 438516106   320,860 1,503 SH   SOLE   0 0 1,503
INVESCO QQQ TR UNIT SER 1 46090E103   492,525 1,028 SH   SOLE   0 0 1,028
ISHARES INC CORE MSCI EMKT 46434G103   8,824,474 164,851 SH   SOLE   0 0 164,851
ISHARES INC MSCI GBL MIN VOL 464286525   14,223,035 135,923 SH   SOLE   0 0 135,923
ISHARES TR CORE S&P TTL STK 464287150   9,568,595 80,557 SH   SOLE   0 0 80,557
ISHARES TR EXPONENTIAL TECH 46434V381   2,921,380 49,658 SH   SOLE   0 0 49,658
ISHARES TR CORE TOTAL USD 46434V613   342,361 7,571 SH   SOLE   0 0 7,571
ISHARES TR CORE S&P MCP ETF 464287507   22,486,233 384,249 SH   SOLE   0 0 384,249
ISHARES TR 0-3 MNTH TREASRY 46436E718   448,462 4,453 SH   SOLE   0 0 4,453
ISHARES TR CORE S&P SCP ETF 464287804   17,340,589 162,578 SH   SOLE   0 0 162,578
ISHARES TR CORE MSCI EAFE 46432F842   4,607,918 63,435 SH   SOLE   0 0 63,435
ISHARES TR CORE MSCI TOTAL 46432F834   5,686,728 84,173 SH   SOLE   0 0 84,173
ISHARES TR CORE US AGGBD ET 464287226   29,850,169 307,512 SH   SOLE   0 0 307,512
ISHARES TR CORE HIGH DV ETF 46429B663   3,536,016 32,530 SH   SOLE   0 0 32,530
ISHARES TR IBONDS DEC24 ETF 46434VBG4   492,309 19,590 PRN   SOLE   0 0 19,590
ISHARES TR CORE S&P500 ETF 464287200   42,140,713 77,007 SH   SOLE   0 0 77,007
ISHARES TR CORE S&P US VLU 464287663   264,037 2,996 SH   SOLE   0 0 2,996
ISHARES TR RUSSELL 2000 ETF 464287655   233,526 1,151 SH   SOLE   0 0 1,151
ISHARES TR RUS 1000 GRW ETF 464287614   41,858,092 114,834 SH   SOLE   0 0 114,834
ISHARES TR U S EQUITY FACTR 46434V282   344,832 6,192 SH   SOLE   0 0 6,192
ISHARES TR RUS 1000 VAL ETF 464287598   1,508,904 8,649 SH   SOLE   0 0 8,649
ISHARES TR IBONDS DEC2026 46435GAA0   1,361,417 57,154 PRN   SOLE   0 0 57,154
ISHARES TR MSCI USA ESG SLC 464288802   204,626 1,821 SH   SOLE   0 0 1,821
ISHARES TR MSCI USA VALUE 46432F388   2,337,058 22,589 SH   SOLE   0 0 22,589
ISHARES TR IBONDS 24 TRM TS 46436E874   266,794 11,126 SH   SOLE   0 0 11,126
ISHARES TR IBDS DEC28 ETF 46435U515   790,406 31,910 SH   SOLE   0 0 31,910
ISHARES TR IBONDS 27 ETF 46435UAA9   873,103 36,793 PRN   SOLE   0 0 36,793
ISHARES TR IBONDS DEC 29 46436E205   733,709 32,365 SH   SOLE   0 0 32,365
ISHARES TR IBONDS DEC25 ETF 46434VBD1   1,403,533 56,458 PRN   SOLE   0 0 56,458
ISHARES TR S&P MC 400VL ETF 464287705   269,354 2,374 SH   SOLE   0 0 2,374
ISHARES TR NATIONAL MUN ETF 464288414   11,438,630 107,355 SH   SOLE   0 0 107,355
ISHARES TR MSCI USA MIN VOL 46429B697   18,976,088 226,013 SH   SOLE   0 0 226,013
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203   373,460 6,729 SH   SOLE   0 0 6,729
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   2,593,743 45,761 SH   SOLE   0 0 45,761
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   212,327 4,207 SH   SOLE   0 0 4,207
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   6,300,855 125,079 SH   SOLE   0 0 125,079
JOHNSON & JOHNSON COM 478160104   815,818 5,582 SH   SOLE   0 0 5,582
JPMORGAN CHASE & CO. COM 46625H100   1,545,220 7,640 SH   SOLE   0 0 7,640
LOCKHEED MARTIN CORP COM 539830109   274,421 588 SH   SOLE   0 0 588
MASTERCARD INCORPORATED CL A 57636Q104   502,481 1,139 SH   SOLE   0 0 1,139
MCDONALDS CORP COM 580135101   475,287 1,865 SH   SOLE   0 0 1,865
MERCK & CO INC COM 58933Y105   627,666 5,070 SH   SOLE   0 0 5,070
META PLATFORMS INC CL A 30303M102   1,366,436 2,710 SH   SOLE   0 0 2,710
MICROSOFT CORP COM 594918104   5,962,150 13,340 SH   SOLE   0 0 13,340
NEXTERA ENERGY INC COM 65339F101   1,011,222 14,281 SH   SOLE   0 0 14,281
NVIDIA CORPORATION COM 67066G104   1,835,804 14,860 SH   SOLE   0 0 14,860
PEPSICO INC COM 713448108   576,621 3,496 SH   SOLE   0 0 3,496
PFIZER INC COM 717081103   277,664 9,924 SH   SOLE   0 0 9,924
PHILIP MORRIS INTL INC COM 718172109   201,173 1,985 SH   SOLE   0 0 1,985
PROCTER AND GAMBLE CO COM 742718109   899,877 5,456 SH   SOLE   0 0 5,456
QUALCOMM INC COM 747525103   291,400 1,463 SH   SOLE   0 0 1,463
RTX CORPORATION COM 75513E101   270,753 2,697 SH   SOLE   0 0 2,697
SALESFORCE INC COM 79466L302   203,366 791 SH   SOLE   0 0 791
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   4,047,641 52,053 SH   SOLE   0 0 52,053
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,866,850 8,252 SH   SOLE   0 0 8,252
SPDR GOLD TR GOLD SHS 78463V107   308,539 1,435 SH   SOLE   0 0 1,435
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,252,527 4,139 SH   SOLE   0 0 4,139
TESLA INC COM 88160R101   613,824 3,102 SH   SOLE   0 0 3,102
THERMO FISHER SCIENTIFIC INC COM 883556102   279,081 505 SH   SOLE   0 0 505
TRANE TECHNOLOGIES PLC SHS G8994E103   831,864 2,529 SH   SOLE   0 0 2,529
UNION PAC CORP COM 907818108   213,929 946 SH   SOLE   0 0 946
UNITEDHEALTH GROUP INC COM 91324P102   348,843 685 SH   SOLE   0 0 685
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   19,628,637 272,431 SH   SOLE   0 0 272,431
VANGUARD INDEX FDS SMALL CP ETF 922908751   4,089,879 18,757 SH   SOLE   0 0 18,757
VANGUARD INDEX FDS MID CAP ETF 922908629   3,202,746 13,229 SH   SOLE   0 0 13,229
VANGUARD INDEX FDS VALUE ETF 922908744   41,000,305 255,597 SH   SOLE   0 0 255,597
VANGUARD INDEX FDS GROWTH ETF 922908736   17,508,933 46,814 SH   SOLE   0 0 46,814
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   11,341,767 22,678 SH   SOLE   0 0 22,678
VANGUARD INDEX FDS TOTAL STK MKT 922908769   39,120,421 146,239 SH   SOLE   0 0 146,239
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,581,638 26,972 SH   SOLE   0 0 26,972
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   449,957 3,995 SH   SOLE   0 0 3,995
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,217,905 27,831 SH   SOLE   0 0 27,831
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   2,109,403 43,457 SH   SOLE   0 0 43,457
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   14,775,221 294,856 SH   SOLE   0 0 294,856
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   1,081,331 18,570 SH   SOLE   0 0 18,570
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   29,177,175 159,831 SH   SOLE   0 0 159,831
VANGUARD STAR FDS VG TL INTL STK F 921909768   16,745,295 277,700 SH   SOLE   0 0 277,700
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,354,108 27,400 SH   SOLE   0 0 27,400
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607   2,174,415 17,764 SH   SOLE   0 0 17,764
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   8,704,132 73,391 SH   SOLE   0 0 73,391
VANGUARD WORLD FD ESG US STK ETF 921910733   316,141 3,272 SH   SOLE   0 0 3,272
VANGUARD WORLD FD INF TECH ETF 92204A702   229,483 398 SH   SOLE   0 0 398
VERIZON COMMUNICATIONS INC COM 92343V104   206,760 5,014 SH   SOLE   0 0 5,014
VISA INC COM CL A 92826C839   1,387,775 5,287 SH   SOLE   0 0 5,287
WALMART INC COM 931142103   488,121 7,209 SH   SOLE   0 0 7,209