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
ABBOTT LABS COM 002824100   800,315 7,702 SH   SOLE   0 0 7,702
ABBVIE INC COM 00287Y109   1,474,386 8,596 SH   SOLE   0 0 8,596
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   373,498 1,231 SH   SOLE   0 0 1,231
ADOBE INC COM 00724F101   683,315 1,230 SH   SOLE   0 0 1,230
ADVANCED MICRO DEVICES INC COM 007903107   333,666 2,057 SH   SOLE   0 0 2,057
AIR PRODS & CHEMS INC COM 009158106   212,892 825 SH   SOLE   0 0 825
ALLIANT ENERGY CORP COM 018802108   251,701 4,945 SH   SOLE   0 0 4,945
ALPHABET INC CAP STK CL C 02079K107   2,886,114 15,735 SH   SOLE   0 0 15,735
ALPHABET INC CAP STK CL A 02079K305   2,837,351 15,577 SH   SOLE   0 0 15,577
AMAZON COM INC COM 023135106   7,724,976 39,974 SH   SOLE   0 0 39,974
AMERICAN CENTY ETF TR US SML CP VALU 025072877   729,844 8,135 SH   SOLE   0 0 8,135
AMGEN INC COM 031162100   373,691 1,196 SH   SOLE   0 0 1,196
APPLE INC COM 037833100   50,463,650 239,596 SH   SOLE   0 0 239,596
APPLIED MATLS INC COM 038222105   4,250,180 18,010 SH   SOLE   0 0 18,010
AT&T INC COM 00206R102   220,849 11,557 SH   SOLE   0 0 11,557
AUTOMATIC DATA PROCESSING IN COM 053015103   1,141,655 4,783 SH   SOLE   0 0 4,783
BANK AMERICA CORP COM 060505104   426,454 10,723 SH   SOLE   0 0 10,723
BERKSHIRE HATHAWAY INC DEL CL A 084670108   612,241 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,268,232 8,034 SH   SOLE   0 0 8,034
BHP GROUP LTD SPONSORED ADS 088606108   255,878 4,482 SH   SOLE   0 0 4,482
BLACKROCK FLOATING RATE INCO COM 09255X100   346,614 26,786 SH   SOLE   0 0 26,786
BLACKSTONE INC COM 09260D107   1,634,406 13,202 SH   SOLE   0 0 13,202
BLACKSTONE SECD LENDING FD COMMON STOCK 09261X102   419,494 13,700 SH   SOLE   0 0 13,700
BOOKING HOLDINGS INC COM 09857L108   511,034 129 SH   SOLE   0 0 129
BROADCOM INC COM 11135F101   852,537 531 SH   SOLE   0 0 531
BROADSTONE NET LEASE INC COM 11135E203   226,751 14,288 SH   SOLE   0 0 14,288
BROWN & BROWN INC COM 115236101   519,026 5,805 SH   SOLE   0 0 5,805
CAMDEN PPTY TR SH BEN INT 133131102   224,331 2,056 SH   SOLE   0 0 2,056
CARMAX INC COM 143130102   204,252 2,785 SH   SOLE   0 0 2,785
CATERPILLAR INC COM 149123101   219,180 658 SH   SOLE   0 0 658
CHEVRON CORP NEW COM 166764100   624,586 3,993 SH   SOLE   0 0 3,993
CISCO SYS INC COM 17275R102   457,866 9,637 SH   SOLE   0 0 9,637
CITIGROUP INC COM NEW 172967424   205,674 3,241 SH   SOLE   0 0 3,241
CITIZENS FINL GROUP INC COM 174610105   15,160,019 420,761 SH   SOLE   0 0 420,761
COCA COLA CO COM 191216100   437,403 6,872 SH   SOLE   0 0 6,872
COLGATE PALMOLIVE CO COM 194162103   331,101 3,412 SH   SOLE   0 0 3,412
COMCAST CORP NEW CL A 20030N101   285,785 7,298 SH   SOLE   0 0 7,298
COMPASS INC CL A 20464U100   904,353 251,209 SH   SOLE   0 0 251,209
CONSOLIDATED EDISON INC COM 209115104   230,436 2,577 SH   SOLE   0 0 2,577
CORNING INC COM 219350105   247,397 6,368 SH   SOLE   0 0 6,368
COSTCO WHSL CORP NEW COM 22160K105   952,839 1,121 SH   SOLE   0 0 1,121
COUPANG INC CL A 22266T109   1,248,013 59,571 SH   SOLE   0 0 59,571
CREDIT ACCEP CORP MICH COM 225310101   325,793 633 SH   SOLE   0 0 633
CROCS INC COM 227046109   4,331,354 29,679 SH   SOLE   0 0 29,679
CSX CORP COM 126408103   254,087 7,596 SH   SOLE   0 0 7,596
CVS HEALTH CORP COM 126650100   296,009 5,012 SH   SOLE   0 0 5,012
DANAHER CORPORATION COM 235851102   451,230 1,806 SH   SOLE   0 0 1,806
DARIOHEALTH CORP COM NEW 23725P209   21,242 17,850 SH   SOLE   0 0 17,850
DATADOG INC CL A COM 23804L103   2,593,800 20,000 PRN Put SOLE   0 0 20,000
DATADOG INC CL A COM 23804L103   22,243,651 171,514 SH   SOLE   0 0 171,514
DEERE & CO COM 244199105   273,124 731 SH   SOLE   0 0 731
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   349,373 9,721 SH   SOLE   0 0 9,721
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856   3,422,219 83,806 SH   SOLE   0 0 83,806
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   883,339 15,010 SH   SOLE   0 0 15,010
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   3,227,248 62,218 SH   SOLE   0 0 62,218
DISNEY WALT CO COM 254687106   549,372 5,533 SH   SOLE   0 0 5,533
DUPONT DE NEMOURS INC COM 26614N102   200,260 2,488 SH   SOLE   0 0 2,488
ELI LILLY & CO COM 532457108   1,428,690 1,578 SH   SOLE   0 0 1,578
ELME COMMUNITIES SH BEN INT 939653101   473,918 29,750 SH   SOLE   0 0 29,750
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   204,194 12,589 SH   SOLE   0 0 12,589
ENHABIT INC COM 29332G102   133,800 15,000 SH   SOLE   0 0 15,000
EQUITY RESIDENTIAL SH BEN INT 29476L107   289,010 4,168 SH   SOLE   0 0 4,168
EXXON MOBIL CORP COM 30231G102   3,031,110 26,330 SH   SOLE   0 0 26,330
F5 INC COM 315616102   297,269 1,726 SH   SOLE   0 0 1,726
FEDEX CORP COM 31428X106   261,161 871 SH   SOLE   0 0 871
FLEXSHARES TR IBOXX 3R TARGT 33939L506   8,070,965 342,135 SH   SOLE   0 0 342,135
FORD MTR CO DEL COM 345370860   374,921 29,898 SH   SOLE   0 0 29,898
FRANKLIN BSP RLTY TR INC COMMON STOCK 35243J101   405,053 32,147 SH   SOLE   0 0 32,147
GE AEROSPACE COM NEW 369604301   1,356,333 8,532 SH   SOLE   0 0 8,532
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   269,292 3,456 SH   SOLE   0 0 3,456
GE VERNOVA INC COM 36828A101   361,715 2,109 SH   SOLE   0 0 2,109
GENERAL MLS INC COM 370334104   332,875 5,262 SH   SOLE   0 0 5,262
GLOBAL X FDS DATA CTR & DIGIT 37954Y236   247,195 16,414 SH   SOLE   0 0 16,414
GOLDMAN SACHS GROUP INC COM 38141G104   344,966 763 SH   SOLE   0 0 763
GOLUB CAP BDC INC COM 38173M102   974,806 62,050 SH   SOLE   0 0 62,050
GREENBRIER COS INC COM 393657101   218,020 4,400 SH   SOLE   0 0 4,400
GRITSTONE BIO INC COM 39868T105   21,495 34,786 SH   SOLE   0 0 34,786
HERSHEY CO COM 427866108   643,405 3,500 SH   SOLE   0 0 3,500
HILTON WORLDWIDE HLDGS INC COM 43300A203   289,552 1,327 SH   SOLE   0 0 1,327
HOLDCO NUVO GROUP D G LTD ORD SHS M53051104   84,149 70,124 SH   SOLE   0 0 70,124
HOME DEPOT INC COM 437076102   2,046,163 5,944 SH   SOLE   0 0 5,944
HONEYWELL INTL INC COM 438516106   567,590 2,658 SH   SOLE   0 0 2,658
INTEL CORP COM 458140100   570,499 18,421 SH   SOLE   0 0 18,421
INTERNATIONAL BUSINESS MACHS COM 459200101   604,980 3,498 SH   SOLE   0 0 3,498
INTUITIVE SURGICAL INC COM NEW 46120E602   302,943 681 SH   SOLE   0 0 681
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870   642,775 26,827 SH   SOLE   0 0 26,827
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698   23,804,427 257,012 SH   SOLE   0 0 257,012
INVESCO EXCH TRADED FD TR II S&P MDCP 400 REV 46138G672   1,422,155 12,954 SH   SOLE   0 0 12,954
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743   278,786 5,727 SH   SOLE   0 0 5,727
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735   785,528 24,305 SH   SOLE   0 0 24,305
INVESCO EXCH TRADED FD TR II S&P SMALLCAP 600 46138G664   1,157,979 28,899 SH   SOLE   0 0 28,899
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   3,793,795 58,411 SH   SOLE   0 0 58,411
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   2,524,656 15,368 SH   SOLE   0 0 15,368
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   27,225,855 717,414 SH   SOLE   0 0 717,414
INVESCO QQQ TR UNIT SER 1 46090E103   1,298,868 2,711 SH   SOLE   0 0 2,711
ISHARES GOLD TR ISHARES NEW 464285204   204,275 4,650 SH   SOLE   0 0 4,650
ISHARES INC CORE MSCI EMKT 46434G103   9,077,083 169,570 SH   SOLE   0 0 169,570
ISHARES INC MSCI GBL MIN VOL 464286525   233,437 2,231 SH   SOLE   0 0 2,231
ISHARES TR CORE S&P500 ETF 464287200   280,765,165 513,066 SH   SOLE   0 0 513,066
ISHARES TR MSCI EMG MKT ETF 464287234   810,233 19,024 SH   SOLE   0 0 19,024
ISHARES TR IBONDS DEC2026 46435GAA0   21,775,412 914,165 SH   SOLE   0 0 914,165
ISHARES TR CORE S&P MCP ETF 464287507   76,550,410 1,308,107 SH   SOLE   0 0 1,308,107
ISHARES TR IBONDS DEC 2031 46436E486   13,364,349 658,667 SH   SOLE   0 0 658,667
ISHARES TR MSCI USA ESG SLC 464288802   302,725 2,694 SH   SOLE   0 0 2,694
ISHARES TR RUS 2000 GRW ETF 464287648   236,803 902 SH   SOLE   0 0 902
ISHARES TR CORE HIGH DV ETF 46429B663   2,314,043 21,288 SH   SOLE   0 0 21,288
ISHARES TR RUSSELL 2000 ETF 464287655   6,766,787 33,352 SH   SOLE   0 0 33,352
ISHARES TR IBONDS DEC 2030 46436E726   18,875,970 887,863 SH   SOLE   0 0 887,863
ISHARES TR CORE MSCI EAFE 46432F842   40,094,722 551,965 SH   SOLE   0 0 551,965
ISHARES TR IBONDS DEC 28 46435U325   708,284 28,309 SH   SOLE   0 0 28,309
ISHARES TR RUS 1000 VAL ETF 464287598   385,230 2,208 SH   SOLE   0 0 2,208
ISHARES TR RUS 2000 VAL ETF 464287630   1,971,067 12,942 SH   SOLE   0 0 12,942
ISHARES TR ESG AWR MSCI USA 46435G425   217,879 1,826 SH   SOLE   0 0 1,826
ISHARES TR PFD AND INCM SEC 464288687   442,111 14,013 SH   SOLE   0 0 14,013
ISHARES TR IBDS DEC28 ETF 46435U515   26,191,567 1,057,391 SH   SOLE   0 0 1,057,391
ISHARES TR IBONDS DEC 29 46436E205   26,875,575 1,185,513 SH   SOLE   0 0 1,185,513
ISHARES TR IBONDS DEC 27 46435U283   708,605 28,333 SH   SOLE   0 0 28,333
ISHARES TR MSCI EAFE MIN VL 46429B689   1,749,480 25,225 SH   SOLE   0 0 25,225
ISHARES TR IBONDS DEC 26 46435U259   636,980 25,157 SH   SOLE   0 0 25,157
ISHARES TR RUS 1000 ETF 464287622   6,576,527 22,103 SH   SOLE   0 0 22,103
ISHARES TR MSCI EAFE ETF 464287465   2,685,721 34,287 SH   SOLE   0 0 34,287
ISHARES TR MSCI USA MIN VOL 46429B697   32,605,080 388,341 SH   SOLE   0 0 388,341
ISHARES TR ISHARES SEMICDTR 464287523   3,258,476 13,212 SH   SOLE   0 0 13,212
ISHARES TR IBONDS 27 ETF 46435UAA9   24,301,302 1,024,075 SH   SOLE   0 0 1,024,075
ISHARES TR EAFE SML CP ETF 464288273   11,492,039 186,438 SH   SOLE   0 0 186,438
ISHARES TR RUS MID CAP ETF 464287499   1,018,690 12,564 SH   SOLE   0 0 12,564
ISHARES TR IBONDS DEC 2029 46436E163   601,936 24,213 SH   SOLE   0 0 24,213
ISHARES TR CORE S&P SCP ETF 464287804   55,389,178 519,306 SH   SOLE   0 0 519,306
ISHARES TR RUS 1000 GRW ETF 464287614   718,814 1,972 SH   SOLE   0 0 1,972
ISHARES TR AGGRES ALLOC ETF 464289859   419,068 5,604 SH   SOLE   0 0 5,604
ISHARES TR CORE S&P TTL STK 464287150   2,048,599 17,247 SH   SOLE   0 0 17,247
ISHARES TR NEW YORK MUN ETF 464288323   9,501,338 177,961 SH   SOLE   0 0 177,961
ISHARES TR CORE MSCI TOTAL 46432F834   1,904,517 28,190 SH   SOLE   0 0 28,190
ISHARES TR MSCI USA QLT FCT 46432F339   326,494 1,912 SH   SOLE   0 0 1,912
ISHARES TR CORE S&P US VLU 464287663   237,070 2,690 SH   SOLE   0 0 2,690
ISHARES TR S&P 100 ETF 464287101   1,774,775 6,715 SH   SOLE   0 0 6,715
ISHARES TR S&P 500 VAL ETF 464287408   569,328 3,128 SH   SOLE   0 0 3,128
ISHARES TR SELECT DIVID ETF 464287168   3,952,659 32,672 SH   SOLE   0 0 32,672
ISHARES TR TIPS BD ETF 464287176   217,938 2,041 SH   SOLE   0 0 2,041
ISHARES TR S&P MC 400GR ETF 464287606   216,751 2,460 SH   SOLE   0 0 2,460
ISHARES TR S&P 500 GRWT ETF 464287309   535,067 5,782 SH   SOLE   0 0 5,782
ISHARES U S ETF TR BLACKROCK SH DUR 46431W507   2,172,394 43,163 SH   SOLE   0 0 43,163
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   1,934,248 38,117 SH   SOLE   0 0 38,117
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   2,609,703 51,708 SH   SOLE   0 0 51,708
JACOBS SOLUTIONS INC COM 46982L108   410,608 2,939 SH   SOLE   0 0 2,939
JOHNSON & JOHNSON COM 478160104   2,207,163 15,101 SH   SOLE   0 0 15,101
JONES LANG LASALLE INC COM 48020Q107   5,199,332 25,328 SH   SOLE   0 0 25,328
JPMORGAN CHASE & CO. COM 46625H100   4,961,821 24,532 SH   SOLE   0 0 24,532
L3HARRIS TECHNOLOGIES INC COM 502431109   419,965 1,870 SH   SOLE   0 0 1,870
LINDE PLC SHS G54950103   393,174 896 SH   SOLE   0 0 896
LOCKHEED MARTIN CORP COM 539830109   798,741 1,710 SH   SOLE   0 0 1,710
LOWES COS INC COM 548661107   379,853 1,723 SH   SOLE   0 0 1,723
MASTERCARD INCORPORATED CL A 57636Q104   3,262,379 7,395 SH   SOLE   0 0 7,395
MCDONALDS CORP COM 580135101   719,414 2,823 SH   SOLE   0 0 2,823
MERCK & CO INC COM 58933Y105   1,187,738 9,594 SH   SOLE   0 0 9,594
META PLATFORMS INC CL A 30303M102   2,076,916 4,119 SH   SOLE   0 0 4,119
MICROSOFT CORP COM 594918104   12,412,142 27,771 SH   SOLE   0 0 27,771
MODERNA INC COM 60770K107   345,088 2,906 SH   SOLE   0 0 2,906
MONDELEZ INTL INC CL A 609207105   234,472 3,583 SH   SOLE   0 0 3,583
MORGAN STANLEY COM NEW 617446448   228,494 2,351 SH   SOLE   0 0 2,351
NETFLIX INC COM 64110L106   744,393 1,103 SH   SOLE   0 0 1,103
NEXTERA ENERGY INC COM 65339F101   1,112,001 15,704 SH   SOLE   0 0 15,704
NOVARTIS AG SPONSORED ADR 66987V109   279,458 2,625 SH   SOLE   0 0 2,625
NOVO-NORDISK A S ADR 670100205   359,991 2,522 SH   SOLE   0 0 2,522
NUVEEN FLOATING RATE INCOME COM 67072T108   174,241 20,143 SH   SOLE   0 0 20,143
NVIDIA CORPORATION COM 67066G104   3,062,681 24,791 SH   SOLE   0 0 24,791
OAKTREE SPECIALTY LENDING CO COM 67401P405   279,329 14,850 SH   SOLE   0 0 14,850
ORACLE CORP COM 68389X105   1,618,435 11,462 SH   SOLE   0 0 11,462
OREILLY AUTOMOTIVE INC COM 67103H107   793,102 751 SH   SOLE   0 0 751
PALO ALTO NETWORKS INC COM 697435105   244,088 720 SH   SOLE   0 0 720
PARKER-HANNIFIN CORP COM 701094104   212,441 420 SH   SOLE   0 0 420
PEPSICO INC COM 713448108   603,314 3,658 SH   SOLE   0 0 3,658
PHATHOM PHARMACEUTICALS INC COM 71722W107   106,873 10,376 SH   SOLE   0 0 10,376
PHILIP MORRIS INTL INC COM 718172109   302,314 2,983 SH   SOLE   0 0 2,983
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   2,063,325 20,500 SH   SOLE   0 0 20,500
PJT PARTNERS INC COM CL A 69343T107   16,111,179 149,302 SH   SOLE   0 0 149,302
PPG INDS INC COM 693506107   418,711 3,326 SH   SOLE   0 0 3,326
PROCTER AND GAMBLE CO COM 742718109   1,517,654 9,202 SH   SOLE   0 0 9,202
QUALCOMM INC COM 747525103   293,791 1,475 SH   SOLE   0 0 1,475
RAYMOND JAMES FINL INC COM 754730109   1,289,994 10,436 SH   SOLE   0 0 10,436
REGENERON PHARMACEUTICALS COM 75886F107   265,911 253 SH   SOLE   0 0 253
RIO TINTO PLC SPONSORED ADR 767204100   249,743 3,788 SH   SOLE   0 0 3,788
ROSS STORES INC COM 778296103   919,440 6,327 SH   SOLE   0 0 6,327
SALESFORCE INC COM 79466L302   367,396 1,429 SH   SOLE   0 0 1,429
SCHWAB CHARLES CORP COM 808513105   297,119 4,032 SH   SOLE   0 0 4,032
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   576,773 8,977 SH   SOLE   0 0 8,977
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,253,837 32,635 SH   SOLE   0 0 32,635
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   430,776 5,815 SH   SOLE   0 0 5,815
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   469,709 4,658 SH   SOLE   0 0 4,658
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   245,256 3,154 SH   SOLE   0 0 3,154
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   352,701 5,610 SH   SOLE   0 0 5,610
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   550,871 2,435 SH   SOLE   0 0 2,435
SHELL PLC SPON ADS 780259305   235,596 3,264 SH   SOLE   0 0 3,264
SOUTHERN CO COM 842587107   278,244 3,587 SH   SOLE   0 0 3,587
SPDR GOLD TR GOLD SHS 78463V107   374,763 1,743 SH   SOLE   0 0 1,743
SPDR S&P 500 ETF TR TR UNIT 78462F103   67,497,589 124,026 SH   SOLE   0 0 124,026
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   23,754,655 44,395 SH   SOLE   0 0 44,395
SPDR SER TR S&P 400 MDCP VAL 78464A839   25,154,360 344,864 SH   SOLE   0 0 344,864
SPDR SER TR S&P DIVID ETF 78464A763   26,250,649 206,405 SH   SOLE   0 0 206,405
SPDR SER TR S&P 600 SMCP GRW 78464A201   15,057,976 175,378 SH   SOLE   0 0 175,378
SPDR SER TR S&P 400 MDCP GRW 78464A821   25,313,470 301,136 SH   SOLE   0 0 301,136
SPDR SER TR PRTFLO S&P500 VL 78464A508   54,286,211 1,113,792 SH   SOLE   0 0 1,113,792
SPDR SER TR S&P 600 SMCP VAL 78464A300   20,115,540 256,871 SH   SOLE   0 0 256,871
SPDR SER TR PRTFLO S&P500 GW 78464A409   55,103,636 687,678 SH   SOLE   0 0 687,678
STARBUCKS CORP COM 855244109   205,057 2,634 SH   SOLE   0 0 2,634
STRYKER CORPORATION COM 863667101   298,400 877 SH   SOLE   0 0 877
SYSCO CORP COM 871829107   433,124 6,067 SH   SOLE   0 0 6,067
TESLA INC COM 88160R101   797,457 4,030 SH   SOLE   0 0 4,030
TEXAS INSTRS INC COM 882508104   284,014 1,460 SH   SOLE   0 0 1,460
THERMO FISHER SCIENTIFIC INC COM 883556102   433,552 784 SH   SOLE   0 0 784
TJX COS INC NEW COM 872540109   1,237,965 11,244 SH   SOLE   0 0 11,244
T-MOBILE US INC COM 872590104   246,476 1,399 SH   SOLE   0 0 1,399
TRUIST FINL CORP COM 89832Q109   448,601 11,547 SH   SOLE   0 0 11,547
UNION PAC CORP COM 907818108   497,546 2,199 SH   SOLE   0 0 2,199
UNITED BANKSHARES INC WEST V COM 909907107   992,535 30,596 SH   SOLE   0 0 30,596
UNITED RENTALS INC COM 911363109   422,315 653 SH   SOLE   0 0 653
UNITEDHEALTH GROUP INC COM 91324P102   471,575 926 SH   SOLE   0 0 926
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   214,035 821 SH   SOLE   0 0 821
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885   1,476,618 14,899 SH   SOLE   0 0 14,899
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   1,073,829 10,934 SH   SOLE   0 0 10,934
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   427,974 2,845 SH   SOLE   0 0 2,845
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   454,070 1,978 SH   SOLE   0 0 1,978
VANGUARD INDEX FDS SML CP GRW ETF 922908595   345,430 1,381 SH   SOLE   0 0 1,381
VANGUARD INDEX FDS TOTAL STK MKT 922908769   11,936,201 44,620 SH   SOLE   0 0 44,620
VANGUARD INDEX FDS LARGE CAP ETF 922908637   420,860 1,686 SH   SOLE   0 0 1,686
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   4,516,199 53,918 SH   SOLE   0 0 53,918
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   4,302,119 8,602 SH   SOLE   0 0 8,602
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,421,771 11,107 SH   SOLE   0 0 11,107
VANGUARD INDEX FDS GROWTH ETF 922908736   1,298,937 3,473 SH   SOLE   0 0 3,473
VANGUARD INDEX FDS VALUE ETF 922908744   715,269 4,459 SH   SOLE   0 0 4,459
VANGUARD INDEX FDS SM CP VAL ETF 922908611   950,548 5,208 SH   SOLE   0 0 5,208
VANGUARD INDEX FDS MID CAP ETF 922908629   247,911 1,024 SH   SOLE   0 0 1,024
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   24,573,088 561,542 SH   SOLE   0 0 561,542
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   308,294 2,624 SH   SOLE   0 0 2,624
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,922,689 32,788 SH   SOLE   0 0 32,788
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   55,919,106 1,152,021 SH   SOLE   0 0 1,152,021
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   1,138,170 19,627 SH   SOLE   0 0 19,627
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,180,561 6,467 SH   SOLE   0 0 6,467
VANGUARD STAR FDS VG TL INTL STK F 921909768   470,220 7,798 SH   SOLE   0 0 7,798
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   35,248,287 713,239 SH   SOLE   0 0 713,239
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,218,853 10,277 SH   SOLE   0 0 10,277
VERIZON COMMUNICATIONS INC COM 92343V104   309,383 7,502 SH   SOLE   0 0 7,502
VISA INC COM CL A 92826C839   1,001,848 3,817 SH   SOLE   0 0 3,817
WALMART INC COM 931142103   598,895 8,845 SH   SOLE   0 0 8,845
WESTERN ASSET EMERGING MKTS COM 95766A101   117,130 12,581 SH   SOLE   0 0 12,581
WILLIAMS SONOMA INC COM 969904101   345,057 1,222 SH   SOLE   0 0 1,222
WISDOMTREE TR EMER MKT HIGH FD 97717W315   384,290 8,873 SH   SOLE   0 0 8,873
WISDOMTREE TR US QTLY DIV GRT 97717X669   570,234 7,306 SH   SOLE   0 0 7,306
WISDOMTREE TR PUTWRITE STRAT 97717X560   448,199 13,435 SH   SOLE   0 0 13,435
YUM BRANDS INC COM 988498101   260,814 1,969 SH   SOLE   0 0 1,969