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
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   431,121,179 7,410,127 SH   SOLE OrgelWM 7,077,680 0 332,447
ISHARES TR NATIONAL MUN ETF 464288414   358,714,320 3,366,629 SH   SOLE OrgelWM 3,211,441 0 155,188
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   302,220,487 11,062,243 SH   SOLE OrgelWM 10,532,271 0 529,972
SPDR SER TR PRTFLO S&P500 GW 78464A409   290,947,180 3,309,979 SH   SOLE OrgelWM 3,178,107 0 131,872
ISHARES TR CORE S&P500 ETF 464287200   267,937,745 455,150 SH   SOLE OrgelWM 422,749 0 32,401
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   233,673,884 3,249,533 SH   SOLE OrgelWM 3,104,947 0 144,586
ISHARES TR MSCI USA QLT FCT 46432F339   228,446,024 1,282,828 SH   SOLE OrgelWM 1,207,653 0 75,175
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   175,756,532 2,589,224 SH   SOLE OrgelWM 2,458,680 0 130,544
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   172,838,160 1,629,934 SH   SOLE OrgelWM 1,537,155 0 92,779
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   154,880,914 8,371,941 SH   SOLE OrgelWM 7,994,787 0 377,154
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUNI 45409F843   146,110,937 6,128,814 SH   SOLE OrgelWM 5,606,060 0 522,754
PIMCO ETF TR MTG BKD SECS ACT 72201R569   136,516,200 2,852,407 SH   SOLE OrgelWM 2,723,773 0 128,634
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   127,846,690 2,550,303 SH   SOLE OrgelWM 2,090,780 0 459,523
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   112,577,045 695,908 SH   SOLE OrgelWM 640,114 0 55,794
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   107,324,768 4,630,059 SH   SOLE OrgelWM 4,474,532 0 155,527
JANUS DETROIT STR TR HENDERSN CAP ETF 47103U100   83,756,610 1,277,751 SH   SOLE OrgelWM 1,200,539 0 77,212
FRANKLIN TEMPLETON ETF TR US MID CP MLTFCT 35473P884   83,493,505 1,537,350 SH   SOLE OrgelWM 1,423,706 0 113,644
FIDELITY COVINGTON TRUST QLTY FCTOR ETF 316092790   63,125,098 964,773 SH   SOLE OrgelWM 935,881 0 28,892
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   54,460,587 214,623 SH   SOLE OrgelWM 193,650 0 20,973
ISHARES TR CORE MSCI EAFE 46432F842   51,691,011 735,501 SH   SOLE OrgelWM 656,204 0 79,297
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   47,664,206 1,789,869 SH   SOLE OrgelWM 1,686,845 0 103,024
ISHARES TR MRGSTR MD CP VAL 464288406   25,498,063 343,362 SH   SOLE OrgelWM 342,078 0 1,284
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   25,105,819 374,546 SH   SOLE OrgelWM 369,280 0 5,266
ISHARES TR MRGSTR MD CP GRW 464288307   23,585,905 312,272 SH   SOLE OrgelWM 310,543 0 1,729
VANGUARD WORLD FD ESG US STK ETF 921910733   21,478,850 204,775 SH   SOLE OrgelWM 204,177 0 598
ISHARES INC CORE MSCI EMKT 46434G103   17,557,200 336,216 SH   SOLE OrgelWM 310,665 0 25,551
VANGUARD INDEX FDS SMALL CP ETF 922908751   10,663,627 44,380 SH   SOLE OrgelWM 43,557 0 823
ISHARES TR CORE TOTAL USD 46434V613   10,096,098 223,365 SH   SOLE OrgelWM 84,599 0 138,766
ISHARES TR ESG AW MSCI EAFE 46435G516   8,663,971 113,790 SH   SOLE OrgelWM 113,127 0 663
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   5,825,509 225,271 SH   SOLE OrgelWM 225,271 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725   4,975,255 87,747 SH   SOLE OrgelWM 87,291 0 456
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,651,865 6,231 SH   SOLE OrgelWM 6,231 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,685,430 4,984 SH   SOLE OrgelWM 4,877 0 107
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,639,011 94,690 SH   SOLE OrgelWM 27,596 0 67,094
ISHARES TR MSCI EAFE ETF 464287465   2,455,284 32,473 SH   SOLE OrgelWM 32,473 0 0
MICROSOFT CORP COM 594918104   2,156,816 5,117 SH   SOLE OrgelWM 5,029 0 88
APPLE INC COM 037833100   1,987,834 7,938 SH   SOLE OrgelWM 7,898 0 40
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,978,283 15,505 SH   SOLE OrgelWM 14,546 0 959
BLACKROCK ETF TRUST II ISHARES HIGH YIE 092528108   1,729,253 76,313 SH   SOLE OrgelWM 76,313 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,675,102 5,780 SH   SOLE OrgelWM 5,171 0 609
ISHARES TR RUSSELL 2000 ETF 464287655   1,447,288 6,550 SH   SOLE OrgelWM 6,550 0 0
ISHARES TR CORE US AGGBD ET 464287226   1,311,348 13,533 SH   SOLE OrgelWM 13,151 0 382
ISHARES TR ESG MSCI LEADR 46435U218   1,192,173 11,570 SH   SOLE OrgelWM 10,541 0 1,029
ISHARES INC MSCI EMRG CHN 46434G764   1,095,748 19,761 SH   SOLE OrgelWM 19,761 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   1,034,872 2,577 SH   SOLE OrgelWM 2,577 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   950,604 21,585 SH   SOLE OrgelWM 21,585 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   932,403 1,637 SH   SOLE OrgelWM 1,637 0 0
ISHARES TR INTRM GOV CR ETF 464288612   925,563 8,880 SH   SOLE OrgelWM 8,880 0 0
ISHARES TR CORE S&P TTL STK 464287150   908,701 7,065 SH   SOLE OrgelWM 0 0 7,065
VANGUARD INDEX FDS GROWTH ETF 922908736   844,686 2,058 SH   SOLE OrgelWM 1,896 0 162
DBX ETF TR XTRACK MSCI EAFE 233051630   809,392 33,322 SH   SOLE OrgelWM 25,319 0 8,003
SPDR GOLD TR GOLD SHS 78463V107   790,282 3,264 SH   SOLE OrgelWM 3,264 0 0
ISHARES TR RUS MID CAP ETF 464287499   744,417 8,421 SH   SOLE OrgelWM 8,421 0 0
ISHARES TR RUS 1000 ETF 464287622   658,173 2,043 SH   SOLE OrgelWM 2,043 0 0
META PLATFORMS INC CL A 30303M102   594,293 1,015 SH   SOLE OrgelWM 1,015 0 0
PROGRESSIVE CORP COM 743315103   588,243 2,455 SH   SOLE OrgelWM 2,455 0 0
AMAZON COM INC COM 023135106   566,246 2,581 SH   SOLE OrgelWM 2,550 0 31
ISHARES TR SHRT NAT MUN ETF 464288158   527,928 5,005 SH   SOLE OrgelWM 1,573 0 3,432
FIRSTSERVICE CORP NEW COM 33767E202   518,623 2,865 SH   SOLE OrgelWM 2,865 0 0
ISHARES TR CORE S&P SCP ETF 464287804   493,373 4,282 SH   SOLE OrgelWM 4,282 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   453,370 9,243 SH   SOLE OrgelWM 9,243 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   451,718 2,440 SH   SOLE OrgelWM 2,440 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   442,720 2,615 SH   SOLE OrgelWM 2,345 0 270
VANGUARD STAR FDS VG TL INTL STK F 921909768   425,882 7,227 SH   SOLE OrgelWM 7,227 0 0
MASTERCARD INCORPORATED CL A 57636Q104   425,469 808 SH   SOLE OrgelWM 801 0 7
ISHARES TR RUS 2000 GRW ETF 464287648   416,764 1,448 SH   SOLE OrgelWM 1,448 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   412,204 7,180 SH   SOLE OrgelWM 7,180 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   395,773 2,021 SH   SOLE OrgelWM 1,950 0 71
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   388,320 2,044 SH   SOLE OrgelWM 2,044 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877   380,522 3,942 SH   SOLE OrgelWM 3,942 0 0
CINTAS CORP COM 172908105   365,400 2,000 SH   SOLE OrgelWM 2,000 0 0
INVESCO EXCH TRADED FD TR II EQUAL WEGT 0-30 46138E107   353,796 13,089 SH   SOLE OrgelWM 13,089 0 0
ISHARES TR RUS MD CP GR ETF 464287481   347,549 2,742 SH   SOLE OrgelWM 2,742 0 0
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434   312,519 4,310 SH   SOLE OrgelWM 3,915 0 395
PEPSICO INC COM 713448108   273,708 1,800 SH   SOLE OrgelWM 1,800 0 0
JPMORGAN CHASE & CO. COM 46625H100   272,551 1,137 SH   SOLE OrgelWM 1,115 0 22
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   257,101 6,283 SH   SOLE OrgelWM 6,283 0 0
CATERPILLAR INC COM 149123101   256,109 706 SH   SOLE OrgelWM 706 0 0
ILLINOIS TOOL WKS INC COM 452308109   253,560 1,000 SH   SOLE OrgelWM 1,000 0 0
UNITEDHEALTH GROUP INC COM 91324P102   253,436 501 SH   SOLE OrgelWM 495 0 6
ISHARES TR INTL EQTY FACTOR 46434V274   249,608 8,691 SH   SOLE OrgelWM 8,691 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854   230,122 3,338 SH   SOLE OrgelWM 2,562 0 776
PROCTER AND GAMBLE CO COM 742718109   217,443 1,297 SH   SOLE OrgelWM 1,297 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   216,215 477 SH   SOLE OrgelWM 477 0 0
HOME DEPOT INC COM 437076102   212,000 545 SH   SOLE OrgelWM 545 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   210,116 411 SH   SOLE OrgelWM 411 0 0