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
ALPHABET INC CAP STK CL C 02079K107   559,044 4,240 SH   SOLE   0 0 4,240
ALPHABET INC CAP STK CL A 02079K305   2,115,744 16,168 SH   SOLE   0 0 16,168
AMAZON COM INC COM 023135106   315,639 2,483 SH   SOLE   0 0 2,483
AMERICAN CENTY ETF TR AVANTIS RESPONSI 025072299   241,335 4,921 SH   SOLE   0 0 4,921
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   5,424,862 102,763 SH   SOLE   0 0 102,763
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   3,450,022 61,995 SH   SOLE   0 0 61,995
AMERICAN EXPRESS CO COM 025816109   237,660 1,593 SH   SOLE   0 0 1,593
AMERICAN TOWER CORP NEW COM 03027X100   271,178 1,649 SH   SOLE   0 0 1,649
APPLE INC COM 037833100   2,691,079 15,718 SH   SOLE   0 0 15,718
BERKSHIRE HATHAWAY INC DEL CL A 084670108   1,594,431 3 SH   SOLE   0 0 3
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   11,834,185 33,783 SH   SOLE   0 0 33,783
CANADIAN NATL RY CO COM 136375102   486,077 4,487 SH   SOLE   0 0 4,487
COCA COLA CO COM 191216100   223,752 3,997 SH   SOLE   0 0 3,997
DISNEY WALT CO COM 254687106   280,919 3,466 SH   SOLE   0 0 3,466
EXXON MOBIL CORP COM 30231G102   640,341 5,446 SH   SOLE   0 0 5,446
FEDEX CORP COM 31428X106   1,737,056 6,557 SH   SOLE   0 0 6,557
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   28,069,642 934,720 SH   SOLE   0 0 934,720
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206   1,985,424 69,263 SH   SOLE   0 0 69,263
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   32,751,825 388,838 SH   SOLE   0 0 388,838
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   3,070,474 30,671 SH   SOLE   0 0 30,671
HOME DEPOT INC COM 437076102   412,340 1,365 SH   SOLE   0 0 1,365
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698   2,807,961 35,935 SH   SOLE   0 0 35,935
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308   246,338 2,738 SH   SOLE   0 0 2,738
ISHARES TR CORE S&P500 ETF 464287200   1,346,692 3,136 SH   SOLE   0 0 3,136
ISHARES TR S&P 500 VAL ETF 464287408   523,825 3,405 SH   SOLE   0 0 3,405
ISHARES TR CORE S&P MCP ETF 464287507   11,015,036 44,175 SH   SOLE   0 0 44,175
ISHARES TR ISHARES BIOTECH 464287556   557,887 4,562 SH   SOLE   0 0 4,562
ISHARES TR RUS 1000 GRW ETF 464287614   210,132 790 SH   SOLE   0 0 790
ISHARES TR RUS 1000 ETF 464287622   428,946 1,826 SH   SOLE   0 0 1,826
ISHARES TR CORE S&P SCP ETF 464287804   11,859,262 125,721 SH   SOLE   0 0 125,721
ISHARES TR DOW JONES US ETF 464287846   924,648 8,850 SH   SOLE   0 0 8,850
ISHARES TR JPMORGAN USD EMG 464288281   1,300,969 15,766 SH   SOLE   0 0 15,766
ISHARES TR MBS ETF 464288588   287,002 3,232 SH   SOLE   0 0 3,232
ISHARES TR MSCI USA ESG SLC 464288802   214,938 2,389 SH   SOLE   0 0 2,389
ISHARES TR GNMA BOND ETF 46429B333   16,799,090 402,084 SH   SOLE   0 0 402,084
ISHARES TR MSCI CHINA ETF 46429B671   1,102,380 25,465 SH   SOLE   0 0 25,465
ISHARES TR 0-5 YR TIPS ETF 46429B747   22,336,873 230,467 SH   SOLE   0 0 230,467
ISHARES TR CORE 1 5 YR USD 46432F859   312,416 6,736 SH   SOLE   0 0 6,736
ISHARES TR ESG AWRE 1 5 YR 46435G243   260,519 10,960 SH   SOLE   0 0 10,960
ISHARES TR ESG AW MSCI EAFE 46435G516   473,886 6,855 SH   SOLE   0 0 6,855
JOHNSON & JOHNSON COM 478160104   686,741 4,409 SH   SOLE   0 0 4,409
LOWES COS INC COM 548661107   285,364 1,373 SH   SOLE   0 0 1,373
MASTERCARD INCORPORATED CL A 57636Q104   1,713,894 4,329 SH   SOLE   0 0 4,329
MATTHEWS ASIA FDS CHINA ACTIVE ETF 577125834   4,090,859 199,376 SH   SOLE   0 0 199,376
MCCORMICK & CO INC COM NON VTG 579780206   420,029 5,553 SH   SOLE   0 0 5,553
MERCK & CO INC COM 58933Y105   260,052 2,526 SH   SOLE   0 0 2,526
MICROSOFT CORP COM 594918104   1,037,239 3,285 SH   SOLE   0 0 3,285
NETFLIX INC COM 64110L106   474,266 1,256 SH   SOLE   0 0 1,256
NORFOLK SOUTHN CORP COM 655844108   889,336 4,516 SH   SOLE   0 0 4,516
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   317,541 5,295 SH   SOLE   0 0 5,295
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   461,594 13,742 SH   SOLE   0 0 13,742
NUSHARES ETF TR NUVEEN ESG US 67092P870   459,769 21,790 SH   SOLE   0 0 21,790
PEPSICO INC COM 713448108   351,249 2,073 SH   SOLE   0 0 2,073
PFIZER INC COM 717081103   320,555 9,664 SH   SOLE   0 0 9,664
PIMCO ETF TR 1-5 US TIP IDX 72201R205   5,861,832 117,026 SH   SOLE   0 0 117,026
PIMCO ETF TR ACTIVE BD ETF 72201R775   17,174,045 195,382 SH   SOLE   0 0 195,382
PIMCO ETF TR INTER MUN BD ACT 72201R866   1,416,781 28,296 SH   SOLE   0 0 28,296
PIMCO ETF TR SHTRM MUN BD ACT 72201R874   2,475,695 50,576 SH   SOLE   0 0 50,576
PROCTER AND GAMBLE CO COM 742718109   769,120 5,273 SH   SOLE   0 0 5,273
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   37,642,716 517,639 SH   SOLE   0 0 517,639
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   386,862 6,002 SH   SOLE   0 0 6,002
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,118,683 16,529 SH   SOLE   0 0 16,529
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   325,354 7,855 SH   SOLE   0 0 7,855
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   261,545 10,925 SH   SOLE   0 0 10,925
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   13,745,835 524,250 SH   SOLE   0 0 524,250
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   2,631,019 81,861 SH   SOLE   0 0 81,861
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   528,984 16,703 SH   SOLE   0 0 16,703
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   1,446,651 29,834 SH   SOLE   0 0 29,834
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   44,450,657 794,187 SH   SOLE   0 0 794,187
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   7,406,069 218,082 SH   SOLE   0 0 218,082
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   467,290 10,565 SH   SOLE   0 0 10,565
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   812,589 2,426 SH   SOLE   0 0 2,426
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,773,490 6,488 SH   SOLE   0 0 6,488
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,545,270 3,384 SH   SOLE   0 0 3,384
SPDR SER TR PRTFLO S&P500 GW 78464A409   216,906 3,659 SH   SOLE   0 0 3,659
SPDR SER TR PORTFOLI S&P1500 78464A805   363,441 6,924 SH   SOLE   0 0 6,924
SPDR SER TR PORTFOLIO S&P400 78464A847   1,581,473 36,115 SH   SOLE   0 0 36,115
SPDR SER TR BLOOMBERG 3-12 M 78468R523   15,079,910 151,664 SH   SOLE   0 0 151,664
TESLA INC COM 88160R101   1,712,506 6,844 SH   SOLE   0 0 6,844
TRACTOR SUPPLY CO COM 892356106   305,387 1,504 SH   SOLE   0 0 1,504
UNITEDHEALTH GROUP INC COM 91324P102   396,798 787 SH   SOLE   0 0 787
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   41,396,583 545,841 SH   SOLE   0 0 545,841
VANECK ETF TRUST MORNINGSTAR ESG 92189Y105   424,870 18,403 SH   SOLE   0 0 18,403
VANGUARD BD INDEX FDS INTERMED TERM 921937819   5,346,529 73,939 SH   SOLE   0 0 73,939
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   13,557,825 180,362 SH   SOLE   0 0 180,362
VANGUARD INDEX FDS MID CAP ETF 922908629   485,616 2,332 SH   SOLE   0 0 2,332
VANGUARD INDEX FDS GROWTH ETF 922908736   3,071,929 11,281 SH   SOLE   0 0 11,281
VANGUARD INDEX FDS VALUE ETF 922908744   1,360,679 9,865 SH   SOLE   0 0 9,865
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   5,627,604 116,998 SH   SOLE   0 0 116,998
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,355,105 18,032 SH   SOLE   0 0 18,032
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,091,545 7,025 SH   SOLE   0 0 7,025
WALMART INC COM 931142103   616,690 3,856 SH   SOLE   0 0 3,856
WISDOMTREE TR US LARGECAP DIVD 97717W307   379,885 6,178 SH   SOLE   0 0 6,178
WISDOMTREE TR US AI ENHANCED 97717W406   625,495 7,031 SH   SOLE   0 0 7,031
YUM BRANDS INC COM 988498101   1,264,268 10,119 SH   SOLE   0 0 10,119
YUM CHINA HLDGS INC COM 98850P109   257,371 4,619 SH   SOLE   0 0 4,619