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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100 90 505 SH   SOLE 1 0 0 505
CHECKPOINT THERAPEUTICS INC COM 162828107 34 10,820 SH   SOLE 1 0 0 10,820
COMCAST CORP NEW CL A 20030N101 193 3,831 SH   SOLE 1 0 0 3,831
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 1,392 50,875 SH   SOLE 1 0 0 50,875
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 260 4,333 SH   SOLE 1 0 0 4,333
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 3,017 91,928 SH   SOLE 1 0 0 91,928
DISNEY WALT CO COM 254687106 5 32 SH   SOLE 1 0 0 32
FIDELITY NATL INFORMATION SV COM 31620M106 46 418 SH   SOLE 1 0 0 418
FORD MTR CO DEL COM 345370860 1 64 SH   SOLE 1 0 0 64
INTEL CORP COM 458140100 498 9,664 SH   SOLE 1 0 0 9,664
INTERNATIONAL BUSINESS MACHS COM 459200101 4 30 SH   SOLE 1 0 0 30
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 8,446 406,463 SH   SOLE 1 0 0 406,463
ISHARES TR CORE S&P TTL STK 464287150 986 9,220 SH   SOLE 1 0 0 9,220
ISHARES TR TIPS BD ETF 464287176 2,318 17,938 SH   SOLE 1 0 0 17,938
ISHARES TR CORE S&P500 ETF 464287200 36 75 SH   SOLE 1 0 0 75
ISHARES TR MSCI EMG MKT ETF 464287234 748 15,304 SH   SOLE 1 0 0 15,304
ISHARES TR IBOXX INV CP ETF 464287242 86 647 SH   SOLE 1 0 0 647
ISHARES TR GLOBAL TECH ETF 464287291 5 84 SH   SOLE 1 0 0 84
ISHARES TR GLOBAL FINLS ETF 464287333 4 45 SH   SOLE 1 0 0 45
ISHARES TR 1 3 YR TREAS BD 464287457 373 4,366 SH   SOLE 1 0 0 4,366
ISHARES TR RUS MDCP VAL ETF 464287473 828 6,768 SH   SOLE 1 0 0 6,768
ISHARES TR RUS MD CP GR ETF 464287481 3 22 SH   SOLE 1 0 0 22
ISHARES TR CORE S&P MCP ETF 464287507 156 552 SH   SOLE 1 0 0 552
ISHARES TR COHEN STEER REIT 464287564 317 4,163 SH   SOLE 1 0 0 4,163
ISHARES TR RUS 1000 VAL ETF 464287598 59 351 SH   SOLE 1 0 0 351
ISHARES TR RUS 1000 GRW ETF 464287614 84 276 SH   SOLE 1 0 0 276
ISHARES TR RUS 2000 VAL ETF 464287630 2 11 SH   SOLE 1 0 0 11
ISHARES TR RUS 2000 GRW ETF 464287648 2 7 SH   SOLE 1 0 0 7
ISHARES TR S&P MC 400VL ETF 464287705 0 4 SH   SOLE 1 0 0 4
ISHARES TR U.S. REAL ES ETF 464287739 2,426 20,891 SH   SOLE 1 0 0 20,891
ISHARES TR U.S. ENERGY ETF 464287796 4 123 SH   SOLE 1 0 0 123
ISHARES TR CORE S&P SCP ETF 464287804 233 2,031 SH   SOLE 1 0 0 2,031
ISHARES TR SP SMCP600VL ETF 464287879 103 984 SH   SOLE 1 0 0 984
ISHARES TR MBS ETF 464288588 10 91 SH   SOLE 1 0 0 91
ISHARES TR EAFE VALUE ETF 464288877 16 309 SH   SOLE 1 0 0 309
ISHARES TR EAFE GRWTH ETF 464288885 16 145 SH   SOLE 1 0 0 145
ISHARES S&P GSCI COMMODITYISHARES UNIT BEN INT 46428R107 215 12,572 SH   SOLE 1 0 0 12,572
ISHARES TR US TREAS BD ETF 46429B267 23 874 SH   SOLE 1 0 0 874
ISHARES TR MSCI USA MIN VOL 46429B697 4 49 SH   SOLE 1 0 0 49
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 5 163 SH   SOLE 1 0 0 163
ISHARES TR MSCI USA VALUE 46432F388 6 59 SH   SOLE 1 0 0 59
ISHARES INC CORE MSCI EMKT 46434G103 976 16,310 SH   SOLE 1 0 0 16,310
ISHARES INC ESG AWR MSCI EM 46434G863 5 115 SH   SOLE 1 0 0 115
ISHARES TR CORE TOTAL USD 46434V613 31 580 SH   SOLE 1 0 0 580
ISHARES TR CORE MSCI INTL 46435G326 3,156 46,708 SH   SOLE 1 0 0 46,708
ISHARES TR ESG AWR MSCI USA 46435G425 33 308 SH   SOLE 1 0 0 308
ISHARES TR FALN ANGLS USD 46435G474 21 704 SH   SOLE 1 0 0 704
KYNDRYL HLDGS INC COMMON STOCK 50155Q100 0 6 SH   SOLE 1 0 0 6
NVIDIA CORPORATION COM 67066G104 20 68 SH   SOLE 1 0 0 68
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 2,482 24,435 SH   SOLE 1 0 0 24,435
SPDR S&P 500 ETF TR TR UNIT 78462F103 11,254 23,694 SH   SOLE 1 0 0 23,694
SPDR SER TR PORTFLI TIPS ETF 78464A656 589 18,699 SH   SOLE 1 0 0 18,699
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3,694 32,685 SH   SOLE 1 0 0 32,685
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,268 15,770 SH   SOLE 1 0 0 15,770
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,438 14,039 SH   SOLE 1 0 0 14,039
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,257 42,425 SH   SOLE 1 0 0 42,425
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,702 69,516 SH   SOLE 1 0 0 69,516
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 27 508 SH   SOLE 1 0 0 508
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,304 24,751 SH   SOLE 1 0 0 24,751
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 3,540 69,615 SH   SOLE 1 0 0 69,615
SCHWAB STRATEGIC TR US TIPS ETF 808524870 870 13,827 SH   SOLE 1 0 0 13,827
TELEFONICA S A SPONSORED ADR 879382208 0 2 SH   SOLE 1 0 0 2
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 121 1,431 SH   SOLE 1 0 0 1,431
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 18,913 370,402 SH   SOLE 1 0 0 370,402
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,205 206,322 SH   SOLE 1 0 0 206,322
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 25,913 425,985 SH   SOLE 1 0 0 425,985
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 12,524 154,120 SH   SOLE 1 0 0 154,120
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 13,488 145,405 SH   SOLE 1 0 0 145,405
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 200 1,330 SH   SOLE 1 0 0 1,330
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 202 792 SH   SOLE 1 0 0 792
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 10,101 87,070 SH   SOLE 1 0 0 87,070
VANGUARD INDEX FDS SMALL CP ETF 922908751 6 27 SH   SOLE 1 0 0 27
VANGUARD INDEX FDS TOTAL STK MKT 922908769 21,116 87,458 SH   SOLE 1 0 0 87,458
XILINX INC COM 983919101 4 19 SH   SOLE 1 0 0 19
NANO X IMAGING LTD ORD SHS M70700105 159 10,958 SH   SOLE 1 0 0 10,958