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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100 2,211 16,172 SH   SOLE   16,172 0 0
ISHARES TR MSCI ACWI EX US 464288240 3,880 86,227 SH   SOLE   86,227 0 0
ISHARES TR CORE US AGGBD ET 464287226 24,263 238,620 SH   SOLE   238,620 0 0
AMAZON COM INC COM 023135106 622 5,857 SH   SOLE   5,857 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 208 2,698 SH   SOLE   2,698 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 3,843 51,060 SH   SOLE   51,060 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 5,800 21,244 SH   SOLE   21,244 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 290 13,996 SH   SOLE   13,996 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528 885 36,096 SH   SOLE   36,096 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,190 15,500 SH   SOLE   15,500 0 0
COSTCO WHSL CORP NEW COM 22160K105 505 1,053 SH   SOLE   1,053 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 361 9,014 SH   SOLE   9,014 0 0
ISHARES TR MSCI EAFE ETF 464287465 5,449 87,201 SH   SOLE   87,201 0 0
SPDR GOLD TR GOLD SHS 78463V107 422 2,505 SH   SOLE   2,505 0 0
ALPHABET INC CAP STK CL C 02079K107 510 233 SH   SOLE   233 0 0
ALPHABET INC CAP STK CL A 02079K305 482 221 SH   SOLE   221 0 0
HOME DEPOT INC COM 437076102 1,413 5,153 SH   SOLE   5,153 0 0
ISHARES TR IBOXX HI YD ETF 464288513 1,343 18,248 SH   SOLE   18,248 0 0
ISHARES GOLD TR ISHARES NEW 464285204 250 7,290 SH   SOLE   7,290 0 0
ISHARES TR CORE MSCI EAFE 46432F842 17,574 298,626 SH   SOLE   298,626 0 0
ISHARES INC CORE MSCI EMKT 46434G103 8,086 164,825 SH   SOLE   164,825 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 3,786 79,877 SH   SOLE   79,877 0 0
ISHARES TR CORE S&P500 ETF 464287200 639 1,686 SH   SOLE   1,686 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 4,745 32,730 SH   SOLE   32,730 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 4,478 20,476 SH   SOLE   20,476 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 3,097 18,289 SH   SOLE   18,289 0 0
ISHARES TR RUS MID CAP ETF 464287499 1,184 18,308 SH   SOLE   18,308 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 314 3,091 SH   SOLE   3,091 0 0
JOHNSON & JOHNSON COM 478160104 644 3,629 SH   SOLE   3,629 0 0
KIMBERLY-CLARK CORP COM 494368103 231 1,709 SH   SOLE   1,709 0 0
COCA COLA CO COM 191216100 1,329 21,124 SH   SOLE   21,124 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 355 1,469 SH   SOLE   1,469 0 0
LOCKHEED MARTIN CORP COM 539830109 224 522 SH   SOLE   522 0 0
MCDONALDS CORP COM 580135101 225 911 SH   SOLE   911 0 0
META PLATFORMS INC CL A 30303M102 209 1,294 SH   SOLE   1,294 0 0
MARSH & MCLENNAN COS INC COM 571748102 340 2,190 SH   SOLE   2,190 0 0
MERCK & CO INC COM 58933Y105 671 7,360 SH   SOLE   7,360 0 0
MICROSOFT CORP COM 594918104 932 3,628 SH   SOLE   3,628 0 0
ISHARES TR NATIONAL MUN ETF 464288414 15,518 145,898 SH   SOLE   145,898 0 0
PFIZER INC COM 717081103 231 4,413 SH   SOLE   4,413 0 0
PROCTER AND GAMBLE CO COM 742718109 442 3,074 SH   SOLE   3,074 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 6,816 138,567 SH   SOLE   138,567 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,406 29,375 SH   SOLE   29,375 0 0
SPDR SER TR S&P DIVID ETF 78464A763 450 3,791 SH   SOLE   3,791 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,818 4,819 SH   SOLE   4,819 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,469 24,341 SH   SOLE   24,341 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 8,135 77,718 SH   SOLE   77,718 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 307 565 SH   SOLE   565 0 0
MANAGED PORTFOLIO SERIES TORTOISE NRAM PI 56167N720 2,738 112,922 SH   SOLE   112,922 0 0
UNILEVER PLC SPON ADR NEW 904767704 248 5,403 SH   SOLE   5,403 0 0
UNION PAC CORP COM 907818108 243 1,138 SH   SOLE   1,138 0 0
VISA INC COM CL A 92826C839 523 2,654 SH   SOLE   2,654 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 5,114 29,039 SH   SOLE   29,039 0 0
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 9,309 228,173 SH   SOLE   228,173 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 858 17,175 SH   SOLE   17,175 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 4,137 70,285 SH   SOLE   70,285 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 812 3,449 SH   SOLE   3,449 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 6,388 32,434 SH   SOLE   32,434 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 36,282 192,358 SH   SOLE   192,358 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 2,009 40,076 SH   SOLE   40,076 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 9,716 73,673 SH   SOLE   73,673 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 6,344 28,463 SH   SOLE   28,463 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 7,513 180,381 SH   SOLE   180,381 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 880 17,058 SH   SOLE   17,058 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 305 2,398 SH   SOLE   2,398 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 2,202 17,168 SH   SOLE   17,168 0 0