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
ABBVIE INC COM 00287Y109   488,104 2,472 SH   SOLE   0 0 2,472
ADOBE INC COM 00724F101   235,590 455 SH   SOLE   0 0 455
ALPHABET INC CAP STK CL C 02079K107   568,703 3,402 SH   SOLE   0 0 3,402
ALPHABET INC CAP STK CL A 02079K305   1,365,808 8,235 SH   SOLE   0 0 8,235
AMAZON COM INC COM 023135106   3,873,898 20,791 SH   SOLE   0 0 20,791
ANALOG DEVICES INC COM 032654105   292,850 1,272 SH   SOLE   0 0 1,272
APPLE INC COM 037833100   2,604,057 11,176 SH   SOLE   0 0 11,176
BANK AMERICA CORP COM 060505104   290,201 7,314 SH   SOLE   0 0 7,314
BANK NEW YORK MELLON CORP COM 064058100   338,826 4,715 SH   SOLE   0 0 4,715
BECTON DICKINSON & CO COM 075887109   334,120 1,386 SH   SOLE   0 0 1,386
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,853,241 6,199 SH   SOLE   0 0 6,199
BOEING CO COM 097023105   363,832 2,393 SH   SOLE   0 0 2,393
BOOKING HOLDINGS INC COM 09857L108   961,806 228 SH   SOLE   0 0 228
BROADCOM INC COM 11135F101   439,985 2,551 SH   SOLE   0 0 2,551
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104   2,181,704 72,362 SH   SOLE   0 0 72,362
CARMAX INC COM 143130102   329,097 4,253 SH   SOLE   0 0 4,253
CENCORA INC COM 03073E105   242,093 1,076 SH   SOLE   0 0 1,076
CHECK POINT SOFTWARE TECH LT ORD M22465104   265,692 1,378 SH   SOLE   0 0 1,378
CHEVRON CORP NEW COM 166764100   226,234 1,536 SH   SOLE   0 0 1,536
COMCAST CORP NEW CL A 20030N101   324,869 7,778 SH   SOLE   0 0 7,778
CONOCOPHILLIPS COM 20825C104   407,887 3,874 SH   SOLE   0 0 3,874
COSTCO WHSL CORP NEW COM 22160K105   2,755,071 3,108 SH   SOLE   0 0 3,108
DANAHER CORPORATION COM 235851102   248,064 892 SH   SOLE   0 0 892
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   266,940 7,785 SH   SOLE   0 0 7,785
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   3,831,599 136,114 SH   SOLE   0 0 136,114
DISNEY WALT CO COM 254687106   258,372 2,686 SH   SOLE   0 0 2,686
EBAY INC. COM 278642103   257,028 3,948 SH   SOLE   0 0 3,948
ELEVANCE HEALTH INC COM 036752103   533,776 1,026 SH   SOLE   0 0 1,026
ELI LILLY & CO COM 532457108   325,956 368 SH   SOLE   0 0 368
EXXON MOBIL CORP COM 30231G102   1,134,550 9,679 SH   SOLE   0 0 9,679
GENERAL DYNAMICS CORP COM 369550108   340,194 1,126 SH   SOLE   0 0 1,126
HEICO CORP NEW COM 422806109   244,222 934 SH   SOLE   0 0 934
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   258,583 6,364 SH   SOLE   0 0 6,364
IQVIA HLDGS INC COM 46266C105   344,080 1,452 SH   SOLE   0 0 1,452
ISHARES GOLD TR ISHARES NEW 464285204   12,147,450 244,416 SH   SOLE   0 0 244,416
ISHARES TR RUS 1000 GRW ETF 464287614   895,290 2,385 SH   SOLE   0 0 2,385
ISHARES TR ESG AWR US AGRGT 46435U549   910,965 18,748 SH   SOLE   0 0 18,748
ISHARES TR CORE S&P US GWT 464287671   641,807 4,865 SH   SOLE   0 0 4,865
ISHARES TR ESG ADV TTL USD 46436E619   2,162,536 48,816 SH   SOLE   0 0 48,816
ISHARES TR CORE MSCI TOTAL 46432F834   3,196,418 44,010 SH   SOLE   0 0 44,010
ISHARES TR CORE S&P500 ETF 464287200   1,170,868 2,030 SH   SOLE   0 0 2,030
ISHARES TR ESG EAFE ETF 46436E759   768,549 10,668 SH   SOLE   0 0 10,668
ISHARES TR CORE S&P TTL STK 464287150   442,927 3,526 SH   SOLE   0 0 3,526
ISHARES TR CORE TOTAL USD 46434V613   11,284,940 239,494 SH   SOLE   0 0 239,494
ISHARES TR CORE US AGGBD ET 464287226   625,719 6,179 SH   SOLE   0 0 6,179
ISHARES TR CORE S&P SCP ETF 464287804   578,871 4,949 SH   SOLE   0 0 4,949
ISHARES TR CORE S&P US VLU 464287663   3,474,877 36,390 SH   SOLE   0 0 36,390
ISHARES TR MSCI KLD400 SOC 464288570   356,250 3,275 SH   SOLE   0 0 3,275
ISHARES TR MSCI USA MIN VOL 46429B697   15,840,031 173,475 SH   SOLE   0 0 173,475
ISHARES TR NATIONAL MUN ETF 464288414   20,322,359 187,079 SH   SOLE   0 0 187,079
ISHARES TR S&P 500 GRWT ETF 464287309   320,109 3,343 SH   SOLE   0 0 3,343
ISHARES TR ESG AWRE 1 5 YR 46435G243   1,249,732 49,671 SH   SOLE   0 0 49,671
ISHARES TR MSCI GBL SUS DEV 46435G532   805,775 9,503 SH   SOLE   0 0 9,503
ISHARES TR CORE S&P MCP ETF 464287507   74,725,139 1,199,056 SH   SOLE   0 0 1,199,056
JOHNSON & JOHNSON COM 478160104   260,155 1,605 SH   SOLE   0 0 1,605
JPMORGAN CHASE & CO. COM 46625H100   1,069,033 5,070 SH   SOLE   0 0 5,070
MARATHON PETE CORP COM 56585A102   228,518 1,403 SH   SOLE   0 0 1,403
MASTERCARD INCORPORATED CL A 57636Q104   383,298 776 SH   SOLE   0 0 776
MCDONALDS CORP COM 580135101   362,405 1,190 SH   SOLE   0 0 1,190
MCKESSON CORP COM 58155Q103   258,459 523 SH   SOLE   0 0 523
MEDTRONIC PLC SHS G5960L103   316,702 3,518 SH   SOLE   0 0 3,518
META PLATFORMS INC CL A 30303M102   1,395,872 2,438 SH   SOLE   0 0 2,438
MICRON TECHNOLOGY INC COM 595112103   1,438,973 13,875 SH   SOLE   0 0 13,875
MICROSOFT CORP COM 594918104   5,471,184 12,715 SH   SOLE   0 0 12,715
NOVARTIS AG SPONSORED ADR 66987V109   483,630 4,205 SH   SOLE   0 0 4,205
NVIDIA CORPORATION COM 67066G104   731,016 6,020 SH   SOLE   0 0 6,020
ORACLE CORP COM 68389X105   836,610 4,910 SH   SOLE   0 0 4,910
PEPSICO INC COM 713448108   310,816 1,828 SH   SOLE   0 0 1,828
PHILIP MORRIS INTL INC COM 718172109   587,387 4,838 SH   SOLE   0 0 4,838
ROPER TECHNOLOGIES INC COM 776696106   214,801 386 SH   SOLE   0 0 386
RTX CORPORATION COM 75513E101   202,802 1,674 SH   SOLE   0 0 1,674
SALESFORCE INC COM 79466L302   253,642 927 SH   SOLE   0 0 927
SANOFI SPONSORED ADR 80105N105   281,646 4,887 SH   SOLE   0 0 4,887
SCHWAB CHARLES CORP COM 808513105   536,666 8,281 SH   SOLE   0 0 8,281
SCHWAB CHARLES FAMILY FD AMT TAX FREE MNY 808515530   8,010,000 8,010,000 SH   SOLE   0 0 8,010,000
SCHWAB STRATEGIC TR FUNDAMENTAL US B 808524789   4,372,783 62,140 SH   SOLE   0 0 62,140
SCHWAB STRATEGIC TR US TIPS ETF 808524870   217,560 4,057 SH   SOLE   0 0 4,057
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   32,685,522 455,484 SH   SOLE   0 0 455,484
SELECT SECTOR SPDR TR ENERGY 81369Y506   4,859,575 55,348 SH   SOLE   0 0 55,348
SERVICENOW INC COM 81762P102   202,132 226 SH   SOLE   0 0 226
SPDR S&P 500 ETF TR TR UNIT 78462F103   218 500 SH Put SOLE   0 0 500
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,321 700 SH Put SOLE   0 0 700
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,276,337 2,225 SH   SOLE   0 0 2,225
STARBUCKS CORP COM 855244109   675,179 6,926 SH   SOLE   0 0 6,926
STRATEGY SHS DAY HAGAN NED 86280R803   322,689 7,759 SH   SOLE   0 0 7,759
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   346,455 1,995 SH   SOLE   0 0 1,995
TESLA INC COM 88160R101   593,377 2,268 SH   SOLE   0 0 2,268
TRANSDIGM GROUP INC COM 893641100   254,029 178 SH   SOLE   0 0 178
UNILEVER PLC SPON ADR NEW 904767704   348,757 5,369 SH   SOLE   0 0 5,369
UNION PAC CORP COM 907818108   208,115 844 SH   SOLE   0 0 844
UNITEDHEALTH GROUP INC COM 91324P102   268,644 459 SH   SOLE   0 0 459
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   23,233,640 309,328 SH   SOLE   0 0 309,328
VANGUARD INDEX FDS TOTAL STK MKT 922908769   27,462,676 96,986 SH   SOLE   0 0 96,986
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   843,246 4,633 SH   SOLE   0 0 4,633
VANGUARD INDEX FDS GROWTH ETF 922908736   14,683,270 38,245 SH   SOLE   0 0 38,245
VANGUARD INDEX FDS VALUE ETF 922908744   1,831,389 10,491 SH   SOLE   0 0 10,491
VANGUARD INDEX FDS MID CAP ETF 922908629   627,545 2,379 SH   SOLE   0 0 2,379
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,773,179 3,360 SH   SOLE   0 0 3,360
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   4,755,453 39,728 SH   SOLE   0 0 39,728
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   30,426,685 482,963 SH   SOLE   0 0 482,963
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   23,741,486 481,474 SH   SOLE   0 0 481,474
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   16,592,310 324,576 SH   SOLE   0 0 324,576
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   20,722,353 260,921 SH   SOLE   0 0 260,921
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,098,765 5,548 SH   SOLE   0 0 5,548
VANGUARD STAR FDS VG TL INTL STK F 921909768   16,331,662 252,265 SH   SOLE   0 0 252,265
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,183,734 22,415 SH   SOLE   0 0 22,415
VANGUARD WELLINGTON FD US MINIMUM 921935409   217,546 1,789 SH   SOLE   0 0 1,789
VANGUARD WORLD FD ESG US STK ETF 921910733   1,647,584 16,208 SH   SOLE   0 0 16,208
VISA INC COM CL A 92826C839   851,141 3,096 SH   SOLE   0 0 3,096
WALMART INC COM 931142103   266,965 3,306 SH   SOLE   0 0 3,306
WELLS FARGO CO NEW COM 949746101   346,968 6,142 SH   SOLE   0 0 6,142