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
ABBOTT LABS COM 002824100 BBG001S5N9M6 215,187 1,955 SH   SOLE   0 0 1,955
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 237,104 1,530 SH   SOLE   0 0 1,530
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 447,242 3,034 SH   SOLE   0 0 3,034
ANALOG DEVICES INC COM 032654105 BBG001S5ND38 969,260 4,881 SH   SOLE   0 0 4,881
APPLE INC COM 037833100 BBG001S5N8V8 1,915,216 9,948 SH   SOLE   0 0 9,948
AT&T INC COM 00206R102 BBG001S5VWH2 385,237 22,958 SH   SOLE   0 0 22,958
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 765,392 2,146 SH   SOLE   0 0 2,146
BNY MELLON ETF TRUST CONCENTRATED INT 09661T834 BBG013VPCL11 28,153,452 573,193 SH   SOLE   741 0 572,452
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 219,941 1,475 SH   SOLE   0 0 1,475
COCA COLA CO COM 191216100 BBG001S5SMQ8 249,510 4,234 SH   SOLE   0 0 4,234
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 287,244 435 SH   SOLE   0 0 435
CSX CORP COM 126408103 BBG001S5Q7Q3 413,294 11,921 SH   SOLE   0 0 11,921
DELTA AIR LINES INC DEL COM NEW 247361702 BBG001SPT759 246,219 6,120 SH   SOLE   0 0 6,120
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 492,642 16,854 SH   SOLE   0 0 16,854
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 BBG011DXY0L8 304,098 5,811 SH   SOLE   0 0 5,811
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 BBG012G2PD33 2,977,281 121,920 SH   SOLE   0 0 121,920
ECOLAB INC COM 278865100 BBG001S5QRB5 219,970 1,109 SH   SOLE   0 0 1,109
ELEVANCE HEALTH INC COM 036752103 BBG001S6KBQ8 386,679 820 SH   SOLE   0 0 820
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 463,537 4,636 SH   SOLE   0 0 4,636
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 34,828,761 756,489 SH   SOLE   387 0 756,102
GENERAL ELECTRIC CO COM NEW 369604301 BBG001S5PVD5 455,182 3,566 SH   SOLE   0 0 3,566
HERITAGE INSURANCE HLDGS INC COM 42727J102 BBG006D4PF57 123,345 18,918 SH   SOLE   0 0 18,918
HOME DEPOT INC COM 437076102 BBG001S5RTW7 211,972 612 SH   SOLE   0 0 612
INTUIT COM 461202103 BBG001S6TWR2 830,665 1,329 SH   SOLE   0 0 1,329
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 858,269 2,096 SH   SOLE   0 0 2,096
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 709,190 10,081 SH   SOLE   0 0 10,081
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 34,651,000 125,026 SH   SOLE   425 0 124,601
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 22,438,709 207,286 SH   SOLE   0 0 207,286
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 11,334,192 23,730 SH   SOLE   0 0 23,730
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 946,140 20,537 SH   SOLE   0 0 20,537
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 4,144,239 42,790 SH   SOLE   0 0 42,790
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 1,080,836 17,461 SH   SOLE   0 0 17,461
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 3,120,403 59,893 SH   SOLE   0 0 59,893
ISHARES TR ESG AWARE MSCI 46435U663 BBG00KK87757 321,110 8,448 SH   SOLE   0 0 8,448
ISHARES TR GLOBAL REIT ETF 46434V647 BBG006S5D3J3 668,899 27,663 SH   SOLE   0 0 27,663
ISHARES TR GRWT ALLOCAT ETF 464289867 BBG001T3YV58 1,541,119 28,974 SH   SOLE   0 0 28,974
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 530,531 13,194 SH   SOLE   0 0 13,194
ISHARES TR MSCI USA ESG SLC 464288802 BBG001SN86J4 346,468 3,447 SH   SOLE   0 0 3,447
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 9,531,190 87,918 SH   SOLE   0 0 87,918
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 548,910 2,093 SH   SOLE   0 0 2,093
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 450,814 1,487 SH   SOLE   0 0 1,487
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 210,810 2,807 SH   SOLE   0 0 2,807
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 281,920 2,674 SH   SOLE   0 0 2,674
ISHARES U S ETF TR BLACKROCK SHORT 46431W838 BBG0087DRNC3 201,412 4,029 SH   SOLE   0 0 4,029
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 BBG00N6W8XF5 34,631,775 735,516 SH   SOLE   375 0 735,141
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 BBG00M8D2458 201,175 3,965 SH   SOLE   0 0 3,965
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 271,583 1,733 SH   SOLE   0 0 1,733
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 680,106 3,998 SH   SOLE   0 0 3,998
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 393,364 868 SH   SOLE   0 0 868
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 333,463 782 SH   SOLE   0 0 782
MICROSOFT CORP COM 594918104 BBG001S5TD05 637,154 1,694 SH   SOLE   0 0 1,694
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 429,678 5,107 SH   SOLE   0 0 5,107
SALESFORCE INC COM 79466L302 BBG001SDLP09 233,142 886 SH   SOLE   0 0 886
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 BBG0051J0PJ9 1,417,685 22,888 SH   SOLE   0 0 22,888
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 18,897,440 227,790 SH   SOLE   0 0 227,790
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 8,172,277 116,580 SH   SOLE   0 0 116,580
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 5,781,036 102,501 SH   SOLE   0 0 102,501
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 12,612,566 167,453 SH   SOLE   0 0 167,453
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 2,978,181 63,044 SH   SOLE   0 0 63,044
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 BBG001S8LH99 224,238 595 SH   SOLE   0 0 595
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 592,516 1,247 SH   SOLE   0 0 1,247
SPDR SER TR NUVEEN BLOOMBERG 78464A284 BBG001V11QG4 3,748,185 148,150 SH   SOLE   0 0 148,150
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 11,815,478 181,609 SH   SOLE   0 0 181,609
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 18,537,054 397,535 SH   SOLE   0 0 397,535
SPRINKLR INC CL A 85208T107 BBG0043NCD14 130,935 10,875 SH   SOLE   0 0 10,875
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103 BBG002XY88Z0 7,988,317 293,472 SH   SOLE   0 0 293,472
T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107 BBG00WGK8YP7 11,723,834 378,799 SH   SOLE   0 0 378,799
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 258,076 1,514 SH   SOLE   0 0 1,514
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 211,200 401 SH   SOLE   0 0 401
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 BBG002XRNHT5 28,816,238 339,534 SH   SOLE   1,102 0 338,432
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 1,224,045 3,937 SH   SOLE   0 0 3,937
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 1,734,121 7,454 SH   SOLE   0 0 7,454
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 479,308 1,097 SH   SOLE   0 0 1,097
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 1,620,663 7,597 SH   SOLE   0 0 7,597
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 670,384 2,826 SH   SOLE   0 0 2,826
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 253,702 1,697 SH   SOLE   0 0 1,697
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 292,334 6,103 SH   SOLE   0 0 6,103
VELO3D INC COMMON STOCK 92259N104 BBG00YZ5PM72 7,273 18,292 SH   SOLE   0 0 18,292
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 303,796 8,058 SH   SOLE   0 0 8,058
VISA INC COM CL A 92826C839 BBG001SRCFY3 931,793 3,579 SH   SOLE   0 0 3,579