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
3M CO COM 88579Y101   325,359 2,414 SH   SOLE   0 0 2,414
ALPHABET INC CAP STK CL A 02079K305   750,086 4,522 SH   SOLE   0 0 4,522
ALPHABET INC CAP STK CL C 02079K107   515,676 3,084 SH   SOLE   0 0 3,084
AMAZON COM INC COM 023135106   1,172,550 6,444 SH   SOLE   0 0 6,444
APPLE INC COM 037833100   928,469 4,114 SH   SOLE   0 0 4,114
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   4,128,277 9,114 SH   SOLE   0 0 9,114
BROADCOM INC COM 11135F101   966,022 5,620 SH   SOLE   0 0 5,620
DELL TECHNOLOGIES INC CL C 24703L202   296,115 2,560 SH   SOLE   0 0 2,560
ECOLAB INC COM 278865100   332,019 1,324 SH   SOLE   0 0 1,324
FIRST TR EXCHANGE-TRADED FD GBL WND ENRG ETF 33736G106   197,769 11,353 SH   SOLE   0 0 11,353
FREEPORT-MCMORAN INC CL B 35671D857   264,577 5,316 SH   SOLE   0 0 5,316
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297   3,530,335 138,336 SH   SOLE   0 0 138,336
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142   312,161 4,487 SH   SOLE   0 0 4,487
INVESCO QQQ TR UNIT SER 1 46090E103   530,712 1,102 SH   SOLE   0 0 1,102
ISHARES INC MSCI EMRG CHN 46434G764   3,833,459 63,647 SH   SOLE   0 0 63,647
ISHARES INC CORE MSCI EMKT 46434G103   1,257,425 21,676 SH   SOLE   0 0 21,676
ISHARES TR U.S. FINLS ETF 464287788   404,638 3,940 SH   SOLE   0 0 3,940
ISHARES TR IBOXX INV CP ETF 464287242   1,342,196 11,970 SH   SOLE   0 0 11,970
ISHARES TR CONV BD ETF 46435G102   2,988,747 35,970 SH   SOLE   0 0 35,970
ISHARES TR CORE S&P TTL STK 464287150   214,349 1,725 SH   SOLE   0 0 1,725
ISHARES TR RUS MDCP VAL ETF 464287473   26,664,185 204,308 SH   SOLE   0 0 204,308
ISHARES TR GL CLEAN ENE ETF 464288224   216,987 15,270 SH   SOLE   0 0 15,270
ISHARES TR MSCI USA QLT FCT 46432F339   889,660 4,988 SH   SOLE   0 0 4,988
ISHARES TR EAFE SML CP ETF 464288273   260,815 3,941 SH   SOLE   0 0 3,941
ISHARES TR TIPS BD ETF 464287176   708,090 6,429 SH   SOLE   0 0 6,429
ISHARES TR NATIONAL MUN ETF 464288414   6,390,231 58,907 SH   SOLE   0 0 58,907
ISHARES TR S&P 500 GRWT ETF 464287309   1,884,756 19,915 SH   SOLE   0 0 19,915
ISHARES TR RUS 1000 ETF 464287622   513,020 1,649 SH   SOLE   0 0 1,649
ISHARES TR CORE US AGGBD ET 464287226   17,661,784 175,547 SH   SOLE   0 0 175,547
ISHARES TR US AER DEF ETF 464288760   294,450 1,958 SH   SOLE   0 0 1,958
ISHARES TR CORE S&P MCP ETF 464287507   226,921 3,679 SH   SOLE   0 0 3,679
ISHARES TR RUS 1000 GRW ETF 464287614   373,305 1,007 SH   SOLE   0 0 1,007
ISHARES TR CORE MSCI EAFE 46432F842   12,134,690 158,623 SH   SOLE   0 0 158,623
ISHARES TR RUSSELL 2000 ETF 464287655   6,560,113 30,353 SH   SOLE   0 0 30,353
ISHARES TR S&P 500 VAL ETF 464287408   54,169,318 277,279 SH   SOLE   0 0 277,279
ISHARES TR RUS MID CAP ETF 464287499   3,657,695 41,922 SH   SOLE   0 0 41,922
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   8,332,901 164,943 SH   SOLE   0 0 164,943
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   2,423,840 47,704 SH   SOLE   0 0 47,704
JPMORGAN CHASE & CO. COM 46625H100   227,805 1,110 SH   SOLE   0 0 1,110
MASTERCARD INCORPORATED CL A 57636Q104   263,324 532 SH   SOLE   0 0 532
META PLATFORMS INC CL A 30303M102   262,829 451 SH   SOLE   0 0 451
MICROSOFT CORP COM 594918104   501,514 1,204 SH   SOLE   0 0 1,204
NVIDIA CORPORATION COM 67066G104   3,713,981 30,232 SH   SOLE   0 0 30,232
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,287,186 5,777 SH   SOLE   0 0 5,777
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   209,237 4,776 SH   SOLE   0 0 4,776
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   709,114 4,680 SH   SOLE   0 0 4,680
SELECT SECTOR SPDR TR ENERGY 81369Y506   887,164 9,610 SH   SOLE   0 0 9,610
SPDR S&P 500 ETF TR TR UNIT 78462F103   463,341 816 SH   SOLE   0 0 816
SPDR SER TR S&P 600 SMCP VAL 78464A300   6,417,856 76,095 SH   SOLE   0 0 76,095
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   612,251 6,692 SH   SOLE   0 0 6,692
TESLA INC COM 88160R101   547,177 2,274 SH   SOLE   0 0 2,274
UNITEDHEALTH GROUP INC COM 91324P102   283,927 479 SH   SOLE   0 0 479
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   292,699 3,921 SH   SOLE   0 0 3,921
VANGUARD INDEX FDS VALUE ETF 922908744   5,345,553 30,851 SH   SOLE   0 0 30,851
VANGUARD INDEX FDS SMALL CP ETF 922908751   490,896 2,100 SH   SOLE   0 0 2,100
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   5,031,323 52,645 SH   SOLE   0 0 52,645
VANGUARD INDEX FDS GROWTH ETF 922908736   1,049,381 2,767 SH   SOLE   0 0 2,767
VANGUARD INDEX FDS LARGE CAP ETF 922908637   671,105 2,578 SH   SOLE   0 0 2,578
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   625,841 3,493 SH   SOLE   0 0 3,493
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   3,509,460 21,163 SH   SOLE   0 0 21,163
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,061,426 7,361 SH   SOLE   0 0 7,361
VANGUARD INDEX FDS SM CP VAL ETF 922908611   324,262 1,643 SH   SOLE   0 0 1,643
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,923,343 122,206 SH   SOLE   0 0 122,206
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,813,777 22,632 SH   SOLE   0 0 22,632
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   3,400,541 72,723 SH   SOLE   0 0 72,723
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   206,768 3,312 SH   SOLE   0 0 3,312
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   10,599,542 216,141 SH   SOLE   0 0 216,141
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   844,559 16,547 SH   SOLE   0 0 16,547
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   346,217 3,960 SH   SOLE   0 0 3,960
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   1,826,684 22,123 SH   SOLE   0 0 22,123
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   64,070,687 671,671 SH   SOLE   0 0 671,671
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   5,484,189 21,324 SH   SOLE   0 0 21,324
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,776,408 53,537 SH   SOLE   0 0 53,537
VANGUARD WORLD FD INF TECH ETF 92204A702   1,851,914 3,206 SH   SOLE   0 0 3,206
VANGUARD WORLD FD CONSUM DIS ETF 92204A108   334,475 1,007 SH   SOLE   0 0 1,007
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   780,157 2,813 SH   SOLE   0 0 2,813
VANGUARD WORLD FD COMM SRVC ETF 92204A884   738,146 5,084 SH   SOLE   0 0 5,084