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
3M CO COM 88579Y101 238 2,156 SH   SOLE   0 0 2,156
ABBOTT LABS COM 002824100 269 2,775 SH   SOLE   0 0 2,775
ABBVIE INC COM 00287Y109 413 3,080 SH   SOLE   0 0 3,080
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 629 2,444 SH   SOLE   0 0 2,444
ADOBE SYSTEMS INCORPORATED COM 00724F101 535 1,944 SH   SOLE   0 0 1,944
ALKERMES PLC SHS G01767105 226 10,100 SH   SOLE   0 0 10,100
ALLEGHANY CORP MD COM 017175100 303 361 SH   SOLE   0 0 361
ALPHABET INC CAP STK CL A 02079K305 2,553 26,690 SH   SOLE   0 0 26,690
ALPHABET INC CAP STK CL C 02079K107 871 9,060 SH   SOLE   0 0 9,060
ALTIMETER GROWTH CORP 2 COM CL A G0371B109 159 16,000 SH   SOLE   0 0 16,000
AMAZON COM INC COM 023135106 3,330 29,469 SH   SOLE   0 0 29,469
AMERICAN EXPRESS CO COM 025816109 491 3,640 SH   SOLE   0 0 3,640
AMERICAN TOWER CORP NEW COM 03027X100 517 2,407 SH   SOLE   0 0 2,407
AMERIPRISE FINL INC COM 03076C106 230 913 SH   SOLE   0 0 913
AMGEN INC COM 031162100 340 1,508 SH   SOLE   0 0 1,508
AMPHENOL CORP NEW CL A 032095101 227 3,394 SH   SOLE   0 0 3,394
ANSYS INC COM 03662Q105 216 974 SH   SOLE   0 0 974
APPLE INC COM 037833100 4,737 34,276 SH   SOLE   0 0 34,276
ATMOS ENERGY CORP COM 049560105 210 2,060 SH   SOLE   0 0 2,060
AUTODESK INC COM 052769106 218 1,166 SH   SOLE   0 0 1,166
BAXTER INTL INC COM 071813109 346 6,430 SH   SOLE   0 0 6,429
BECTON DICKINSON & CO COM 075887109 243 1,091 SH   SOLE   0 0 1,091
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,114 4,172 SH   SOLE   0 0 4,172
BIOGEN INC COM 09062X103 304 1,137 SH   SOLE   0 0 1,137
BK OF AMERICA CORP COM 060505104 207 6,862 SH   SOLE   0 0 6,861
BLACKSTONE INC COM 09260D107 268 3,197 SH   SOLE   0 0 3,197
BLUE OWL CAPITAL INC COM CL A 09581B103 234 25,315 SH   SOLE   0 0 25,314
C H ROBINSON WORLDWIDE INC COM NEW 12541W209 223 2,311 SH   SOLE   0 0 2,311
CALAVO GROWERS INC COM 128246105 727 22,900 SH   SOLE   0 0 22,900
CAPITAL ONE FINL CORP COM 14040H105 200 2,175 SH   SOLE   0 0 2,175
CENTRAL SECS CORP COM 155123102 688 20,402 SH   SOLE   0 0 20,402
COCA COLA CO COM 191216100 314 5,612 SH   SOLE   0 0 5,612
COGENT BIOSCIENCES INC COM 19240Q201 216 14,500 SH   SOLE   0 0 14,500
CORTEVA INC COM 22052L104 344 6,020 SH   SOLE   0 0 6,019
COSTAR GROUP INC COM 22160N109 276 3,964 SH   SOLE   0 0 3,964
COSTCO WHSL CORP NEW COM 22160K105 440 932 SH   SOLE   0 0 932
COTERRA ENERGY INC COM 127097103 225 8,626 SH   SOLE   0 0 8,625
CROWN CASTLE INC COM 22822V101 203 1,402 SH   SOLE   0 0 1,402
CULLEN FROST BANKERS INC COM 229899109 209 1,581 SH   SOLE   0 0 1,581
DANAHER CORPORATION COM 235851102 322 1,248 SH   SOLE   0 0 1,248
DENTSPLY SIRONA INC COM 24906P109 403 14,230 SH   SOLE   0 0 14,230
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 2,164 55,743 SH   SOLE   0 0 55,743
DISNEY WALT CO COM 254687106 694 7,354 SH   SOLE   0 0 7,354
EQUITY COMWLTH COM SH BEN INT 294628102 293 12,026 SH   SOLE   0 0 12,026
EVOLV TECHNOLOGIES HLDNGS IN COM CL A 30049H102 43 20,268 SH   SOLE   0 0 20,268
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302 2,608 20,659 SH   SOLE   0 0 20,659
FLEXSHARES TR MORNSTAR UPSTR 33939L407 376 10,001 SH   SOLE   0 0 10,001
FLEXSHARES TR READY ACC VARI 33939L886 398 5,345 SH   SOLE   0 0 5,345
GENERAL DYNAMICS CORP COM 369550108 544 2,564 SH   SOLE   0 0 2,563
GLOBAL X FDS GLBL X MLP ETF 37954Y343 431 10,932 SH   SOLE   0 0 10,932
GRAB HOLDINGS LIMITED CLASS A ORD G4124C109 62 23,500 SH   SOLE   0 0 23,500
HANNON ARMSTRONG SUST INFR C COM 41068X100 269 9,000 SH   SOLE   0 0 9,000
HEALTHCARE RLTY TR CL A COM 42226K105 231 11,103 SH   SOLE   0 0 11,103
HOME DEPOT INC COM 437076102 448 1,623 SH   SOLE   0 0 1,623
HONEYWELL INTL INC COM 438516106 231 1,384 SH   SOLE   0 0 1,383
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 211 2,322 SH   SOLE   0 0 2,322
INTUIT COM 461202103 209 539 SH   SOLE   0 0 539
INVESCO EXCHANGE TRADED FD T GLOBAL DRGN CN 46137V571 319 12,577 SH   SOLE   0 0 12,577
INVESCO QQQ TR UNIT SER 1 46090E103 980 3,665 SH   SOLE   0 0 3,665
ISHARES INC CORE MSCI EMKT 46434G103 751 17,478 SH   SOLE   0 0 17,478
ISHARES TR SELECT DIVID ETF 464287168 2,939 27,413 SH   SOLE   0 0 27,412
ISHARES TR RUS 1000 GRW ETF 464287614 319 1,516 SH   SOLE   0 0 1,516
ISHARES TR EUROPE ETF 464287861 212 5,622 SH   SOLE   0 0 5,622
ISHARES TR MSCI INTL VLU FT 46435G409 33,480 1,695,207 SH   SOLE   0 0 1,695,207
ISHARES TR CORE S&P500 ETF 464287200 6,244 17,409 SH   SOLE   0 0 17,409
ISHARES TR RUSSELL 2000 ETF 464287655 351 2,131 SH   SOLE   0 0 2,130
ISHARES TR S&P 500 VAL ETF 464287408 227 1,768 SH   SOLE   0 0 1,768
ISHARES TR NATIONAL MUN ETF 464288414 756 7,369 SH   SOLE   0 0 7,368
ISHARES TR RUSSELL 3000 ETF 464287689 61,841 298,692 SH   SOLE   0 0 298,691
ISHARES TR S&P 100 ETF 464287101 1,795 11,046 SH   SOLE   0 0 11,045
ISHARES TR CORE DIV GRWTH 46434V621 4,575 102,877 SH   SOLE   0 0 102,876
ISHARES TR RUS MID CAP ETF 464287499 568 9,142 SH   SOLE   0 0 9,142
ISHARES TR CORE MSCI EAFE 46432F842 1,569 29,790 SH   SOLE   0 0 29,790
ISHARES TR MSCI EAFE ETF 464287465 10,767 192,240 SH   SOLE   0 0 192,239
ISHARES TR CORE S&P MCP ETF 464287507 22,486 102,556 SH   SOLE   0 0 102,555
ISHARES TR 3 7 YR TREAS BD 464288661 11,681 102,213 SH   SOLE   0 0 102,213
ISHARES TR RUS 1000 ETF 464287622 511 2,588 SH   SOLE   0 0 2,588
ISHARES TR CORE S&P SCP ETF 464287804 12,376 141,940 SH   SOLE   0 0 141,940
JOHNSON & JOHNSON COM 478160104 726 4,443 SH   SOLE   0 0 4,442
KIMBERLY-CLARK CORP COM 494368103 333 2,957 SH   SOLE   0 0 2,957
KNOW LABS INC COM NEW 499238103 33 17,920 SH   SOLE   0 0 17,920
LENNAR CORP CL A 526057104 219 2,941 SH   SOLE   0 0 2,941
LILLY ELI & CO COM 532457108 730 2,257 SH   SOLE   0 0 2,257
LINDE PLC SHS G5494J103 250 927 SH   SOLE   0 0 927
MACROGENICS INC COM 556099109 52 15,000 SH   SOLE   0 0 15,000
MARRIOTT INTL INC NEW CL A 571903202 520 3,711 SH   SOLE   0 0 3,711
MARTIN MARIETTA MATLS INC COM 573284106 232 719 SH   SOLE   0 0 719
MASTERCARD INCORPORATED CL A 57636Q104 1,088 3,825 SH   SOLE   0 0 3,825
MCDONALDS CORP COM 580135101 437 1,892 SH   SOLE   0 0 1,891
MEDTRONIC PLC SHS G5960L103 585 7,240 SH   SOLE   0 0 7,240
MERCK & CO INC COM 58933Y105 202 2,340 SH   SOLE   0 0 2,340
META PLATFORMS INC CL A 30303M102 437 3,224 SH   SOLE   0 0 3,224
MICROCHIP TECHNOLOGY INC. COM 595017104 225 3,686 SH   SOLE   0 0 3,685
MICROSOFT CORP COM 594918104 2,584 11,096 SH   SOLE   0 0 11,096
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104 89 19,833 SH   SOLE   0 0 19,833
MUELLER WTR PRODS INC COM SER A 624758108 135 13,147 SH   SOLE   0 0 13,147
NEXTERA ENERGY INC COM 65339F101 457 5,826 SH   SOLE   0 0 5,826
NIKE INC CL B 654106103 843 10,137 SH   SOLE   0 0 10,137
NORTHERN TR CORP COM 665859104 273 3,187 SH   SOLE   0 0 3,186
NOVO-NORDISK A S ADR 670100205 345 3,459 SH   SOLE   0 0 3,459
ONEMAIN HLDGS INC COM 68268W103 544 18,422 SH   SOLE   0 0 18,422
ORACLE CORP COM 68389X105 496 8,128 SH   SOLE   0 0 8,128
OREILLY AUTOMOTIVE INC COM 67103H107 473 673 SH   SOLE   0 0 673
PARKER-HANNIFIN CORP COM 701094104 222 916 SH   SOLE   0 0 916
PAYPAL HLDGS INC COM 70450Y103 333 3,872 SH   SOLE   0 0 3,872
PHILLIPS 66 COM 718546104 225 2,788 SH   SOLE   0 0 2,787
PNC FINL SVCS GROUP INC COM 693475105 201 1,345 SH   SOLE   0 0 1,345
PROCTER AND GAMBLE CO COM 742718109 517 4,096 SH   SOLE   0 0 4,095
QUALCOMM INC COM 747525103 206 1,820 SH   SOLE   0 0 1,820
RAYTHEON TECHNOLOGIES CORP COM 75513E101 538 6,577 SH   SOLE   0 0 6,577
RIOT BLOCKCHAIN INC COM 767292105 75 10,745 SH   SOLE   0 0 10,745
RPM INTL INC COM 749685103 205 2,466 SH   SOLE   0 0 2,465
S&P GLOBAL INC COM 78409V104 209 684 SH   SOLE   0 0 684
SAB BIOTHERAPEUTICS INC COM 78397T103 16 23,000 SH   SOLE   0 0 23,000
SALESFORCE INC COM 79466L302 263 1,827 SH   SOLE   0 0 1,827
SAREPTA THERAPEUTICS INC COM 803607100 443 4,011 SH   SOLE   0 0 4,011
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 63,542 1,513,265 SH   SOLE   0 0 1,513,265
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 326 14,541 SH   SOLE   0 0 14,540
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7,181 255,262 SH   SOLE   0 0 255,262
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 662 21,813 SH   SOLE   0 0 21,813
SENTINELONE INC CL A 81730H109 204 7,974 SH   SOLE   0 0 7,974
SJW GROUP COM 784305104 208 3,612 SH   SOLE   0 0 3,612
SMITH & NEPHEW PLC SPDN ADR NEW 83175M205 336 14,486 SH   SOLE   0 0 14,486
SPDR GOLD TR GOLD SHS 78463V107 616 3,983 SH   SOLE   0 0 3,983
SPDR S&P 500 ETF TR TR UNIT 78462F103 35,016 98,034 SH   SOLE   0 0 98,034
SPDR SER TR S&P BK ETF 78464A797 259 5,843 SH   SOLE   0 0 5,843
SPDR SER TR S&P BIOTECH 78464A870 2,324 29,303 SH   SOLE   0 0 29,303
SPDR SER TR PRTFLO S&P500 GW 78464A409 25,252 504,034 SH   SOLE   0 0 504,034
STARBUCKS CORP COM 855244109 636 7,547 SH   SOLE   0 0 7,546
STRYKER CORPORATION COM 863667101 225 1,113 SH   SOLE   0 0 1,113
TENCENT MUSIC ENTMT GROUP SPON ADS 88034P109 73 17,990 SH   SOLE   0 0 17,990
TESLA INC COM 88160R101 249 939 SH   SOLE   0 0 939
TRAVELERS COMPANIES INC COM 89417E109 298 1,946 SH   SOLE   0 0 1,946
TWITTER INC COM 90184L102 328 7,490 SH   SOLE   0 0 7,490
UNILEVER PLC SPON ADR NEW 904767704 426 9,710 SH   SOLE   0 0 9,710
UNITEDHEALTH GROUP INC COM 91324P102 476 942 SH   SOLE   0 0 942
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201 856 19,658 SH   SOLE   0 0 19,658
VANECK ETF TRUST JUNIOR GOLD MINE 92189F791 832 28,250 SH   SOLE   0 0 28,249
VANGUARD INDEX FDS TOTAL STK MKT 922908769 37,762 210,411 SH   SOLE   0 0 210,411
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 561 3,287 SH   SOLE   0 0 3,287
VANGUARD INDEX FDS VALUE ETF 922908744 61,316 496,563 SH   SOLE   0 0 496,563
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 580 1,766 SH   SOLE   0 0 1,766
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 306 3,884 SH   SOLE   0 0 3,883
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 850 23,298 SH   SOLE   0 0 23,297
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 6,828 141,837 SH   SOLE   0 0 141,837
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,950 14,429 SH   SOLE   0 0 14,429
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,172 59,728 SH   SOLE   0 0 59,728
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,117 11,772 SH   SOLE   0 0 11,772
VISA INC COM CL A 92826C839 894 5,031 SH   SOLE   0 0 5,031
VULCAN MATLS CO COM 929160109 466 2,957 SH   SOLE   0 0 2,957
WALMART INC COM 931142103 253 1,952 SH   SOLE   0 0 1,951
WHEELS UP EXPERIENCE INC COM CL A 96328L106 40 34,724 SH   SOLE   0 0 34,724
WISDOMTREE TR US AI ENHANCED 97717W406 223 2,729 SH   SOLE   0 0 2,729
XCEL ENERGY INC COM 98389B100 208 3,247 SH   SOLE   0 0 3,247
ZOETIS INC CL A 98978V103 277 1,867 SH   SOLE   0 0 1,867