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
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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
ABBVIE INC COM 00287Y109   487,076 2,741 SH   SOLE   0 0 2,741
ALPHABET INC CAP STK CL C 02079K107   1,590,174 8,350 SH   SOLE   0 0 8,350
ALPHABET INC CAP STK CL A 02079K305   2,166,326 11,444 SH   SOLE   0 0 11,444
AMAZON COM INC COM 023135106   946,010 4,312 SH   SOLE   0 0 4,312
APPLE INC COM 037833100   2,488,924 9,939 SH   SOLE   0 0 9,939
AT&T INC COM 00206R102   250,470 11,000 SH   SOLE   0 0 11,000
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,283,689 2,832 SH   SOLE   0 0 2,832
BROADCOM INC COM 11135F101   220,944 953 SH   SOLE   0 0 953
CISCO SYS INC COM 17275R102   234,787 3,966 SH   SOLE   0 0 3,966
COSTAR GROUP INC COM 22160N109   239,325 3,343 SH   SOLE   0 0 3,343
DANAHER CORPORATION COM 235851102   227,714 992 SH   SOLE   0 0 992
ELI LILLY & CO COM 532457108   3,160,568 4,094 SH   SOLE   0 0 4,094
EMERSON ELEC CO COM 291011104   239,309 1,931 SH   SOLE   0 0 1,931
ETF SER SOLUTIONS DEFIANCE CONNECT 26922A289   540,208 11,337 SH   SOLE   0 0 11,337
EXXON MOBIL CORP COM 30231G102   227,403 2,114 SH   SOLE   0 0 2,114
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   413,192 2,358 SH   SOLE   0 0 2,358
INVESCO QQQ TR UNIT SER 1 46090E103   1,004,056 1,964 SH   SOLE   0 0 1,964
ISHARES TR CORE S&P500 ETF 464287200   275,502 468 SH   SOLE   0 0 468
ISHARES TR RUS 1000 VAL ETF 464287598   429,872 2,322 SH   SOLE   0 0 2,322
ISHARES TR MSCI EAFE ETF 464287465   43,633,851 577,091 SH   SOLE   0 0 577,091
ISHARES TR RUS MID CAP ETF 464287499   2,382,910 26,956 SH   SOLE   0 0 26,956
ISHARES TR U.S. TECH ETF 464287721   416,666 2,612 SH   SOLE   0 0 2,612
ISHARES TR MSCI EMG MKT ETF 464287234   15,107,726 361,256 SH   SOLE   0 0 361,256
ISHARES TR CORE S&P TTL STK 464287150   327,338 2,545 SH   SOLE   0 0 2,545
JOHNSON & JOHNSON COM 478160104   2,014,701 13,931 SH   SOLE   0 0 13,931
META PLATFORMS INC CL A 30303M102   1,151,846 1,967 SH   SOLE   0 0 1,967
MICROSOFT CORP COM 594918104   3,918,072 9,296 SH   SOLE   0 0 9,296
NVIDIA CORPORATION COM 67066G104   2,941,727 21,906 SH   SOLE   0 0 21,906
PEPSICO INC COM 713448108   210,755 1,386 SH   SOLE   0 0 1,386
PROCTER AND GAMBLE CO COM 742718109   326,582 1,948 SH   SOLE   0 0 1,948
PROSHARES TR S&P 500 DV ARIST 74348A467   581,372 5,840 SH   SOLE   0 0 5,840
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   137,410,621 6,053,331 SH   SOLE   0 0 6,053,331
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   300,605 3,824 SH   SOLE   0 0 3,824
SPDR S&P 500 ETF TR TR UNIT 78462F103   727,325 1,241 SH   SOLE   0 0 1,241
TESLA INC COM 88160R101   384,860 953 SH   SOLE   0 0 953
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,150,066 40,767 SH   SOLE   0 0 40,767
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,432,574 19,170 SH   SOLE   0 0 19,170
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   6,161,824 85,688 SH   SOLE   0 0 85,688
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   1,289,084 18,838 SH   SOLE   0 0 18,838
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   3,736,188 76,171 SH   SOLE   0 0 76,171
VANGUARD INDEX FDS VALUE ETF 922908744   333,182 1,968 SH   SOLE   0 0 1,968
VANGUARD INDEX FDS MID CAP ETF 922908629   323,823 1,226 SH   SOLE   0 0 1,226
VANGUARD INDEX FDS TOTAL STK MKT 922908769   11,928,580 41,160 SH   SOLE   0 0 41,160
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,520,282 125,347 SH   SOLE   0 0 125,347
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   5,158,664 43,911 SH   SOLE   0 0 43,911
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   11,047,449 220,376 SH   SOLE   0 0 220,376
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   932,454 11,953 SH   SOLE   0 0 11,953
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   732,241 16,150 SH   SOLE   0 0 16,150
VANGUARD STAR FDS VG TL INTL STK F 921909768   371,023 6,296 SH   SOLE   0 0 6,296
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   13,657,105 285,594 SH   SOLE   0 0 285,594