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   244,055 2,414 SH   SOLE   0 0 2,414
ALPHABET INC CAP STK CL A 02079K305   854,631 4,521 SH   SOLE   0 0 4,521
ALPHABET INC CAP STK CL C 02079K107   587,440 3,084 SH   SOLE   0 0 3,084
AMAZON COM INC COM 023135106   1,279,243 6,419 SH   SOLE   0 0 6,419
APPLE INC COM 037833100   937,151 4,114 SH   SOLE   0 0 4,114
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,728,355 9,114 SH   SOLE   0 0 9,114
BROADCOM INC COM 11135F101   981,173 562 SH   SOLE   0 0 562
DELL TECHNOLOGIES INC CL C 24703L202   465,644 3,190 SH   SOLE   0 0 3,190
ECOLAB INC COM 278865100   321,573 1,324 SH   SOLE   0 0 1,324
FIRST TR EXCHANGE-TRADED FD GBL WND ENRG ETF 33736G106   189,141 11,353 SH   SOLE   0 0 11,353
FREEPORT-MCMORAN INC CL B 35671D857   265,109 5,185 SH   SOLE   0 0 5,185
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297   3,245,061 135,212 SH   SOLE   0 0 135,212
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142   288,469 4,487 SH   SOLE   0 0 4,487
INVESCO QQQ TR UNIT SER 1 46090E103   548,069 1,102 SH   SOLE   0 0 1,102
ISHARES INC MSCI EMRG CHN 46434G764   3,799,752 62,240 SH   SOLE   0 0 62,240
ISHARES INC CORE MSCI EMKT 46434G103   1,162,637 21,216 SH   SOLE   0 0 21,216
ISHARES TR IBOXX INV CP ETF 464287242   1,078,380 9,973 SH   SOLE   0 0 9,973
ISHARES TR CONV BD ETF 46435G102   2,771,706 35,116 SH   SOLE   0 0 35,116
ISHARES TR CORE S&P TTL STK 464287150   208,622 1,725 SH   SOLE   0 0 1,725
ISHARES TR U.S. FINLS ETF 464287788   374,536 3,940 SH   SOLE   0 0 3,940
ISHARES TR GL CLEAN ENE ETF 464288224   209,199 15,270 SH   SOLE   0 0 15,270
ISHARES TR MSCI USA QLT FCT 46432F339   863,032 4,982 SH   SOLE   0 0 4,982
ISHARES TR EAFE SML CP ETF 464288273   247,187 3,943 SH   SOLE   0 0 3,943
ISHARES TR NATIONAL MUN ETF 464288414   5,744,300 53,670 SH   SOLE   0 0 53,670
ISHARES TR TIPS BD ETF 464287176   679,430 6,351 SH   SOLE   0 0 6,351
ISHARES TR CORE US AGGBD ET 464287226   16,013,018 164,051 SH   SOLE   0 0 164,051
ISHARES TR US AER DEF ETF 464288760   260,884 1,958 SH   SOLE   0 0 1,958
ISHARES TR RUS MDCP VAL ETF 464287473   23,942,818 199,757 SH   SOLE   0 0 199,757
ISHARES TR S&P 500 GRWT ETF 464287309   2,176,888 22,683 SH   SOLE   0 0 22,683
ISHARES TR RUS 1000 ETF 464287622   500,142 1,649 SH   SOLE   0 0 1,649
ISHARES TR RUS 1000 GRW ETF 464287614   378,440 1,000 SH   SOLE   0 0 1,000
ISHARES TR CORE S&P MCP ETF 464287507   204,442 3,520 SH   SOLE   0 0 3,520
ISHARES TR RUSSELL 2000 ETF 464287655   6,028,805 29,804 SH   SOLE   0 0 29,804
ISHARES TR CORE MSCI EAFE 46432F842   11,623,464 157,286 SH   SOLE   0 0 157,286
ISHARES TR S&P 500 VAL ETF 464287408   49,246,686 271,122 SH   SOLE   0 0 271,122
ISHARES TR RUS MID CAP ETF 464287499   3,320,524 41,055 SH   SOLE   0 0 41,055
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   8,439,479 167,616 SH   SOLE   0 0 167,616
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   2,417,032 47,710 SH   SOLE   0 0 47,710
JPMORGAN CHASE & CO. COM 46625H100   227,739 1,110 SH   SOLE   0 0 1,110
MASTERCARD INCORPORATED CL A 57636Q104   237,400 532 SH   SOLE   0 0 532
META PLATFORMS INC CL A 30303M102   238,723 451 SH   SOLE   0 0 451
MICROSOFT CORP COM 594918104   561,353 1,204 SH   SOLE   0 0 1,204
NVIDIA CORPORATION COM 67066G104   3,949,407 30,807 SH   SOLE   0 0 30,807
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,376,821 5,872 SH   SOLE   0 0 5,872
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   734,954 5,095 SH   SOLE   0 0 5,095
SELECT SECTOR SPDR TR ENERGY 81369Y506   895,903 10,004 SH   SOLE   0 0 10,004
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   210,120 2,416 SH   SOLE   0 0 2,416
SPDR S&P 500 ETF TR TR UNIT 78462F103   461,438 831 SH   SOLE   0 0 831
SPDR SER TR S&P 600 SMCP VAL 78464A300   5,778,272 74,376 SH   SOLE   0 0 74,376
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   215,049 2,350 SH   SOLE   0 0 2,350
TESLA INC COM 88160R101   575,098 2,274 SH   SOLE   0 0 2,274
UNITEDHEALTH GROUP INC COM 91324P102   234,394 479 SH   SOLE   0 0 479
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   288,888 3,990 SH   SOLE   0 0 3,990
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   4,324,340 51,615 SH   SOLE   0 0 51,615
VANGUARD INDEX FDS VALUE ETF 922908744   4,954,711 30,859 SH   SOLE   0 0 30,859
VANGUARD INDEX FDS LARGE CAP ETF 922908637   656,462 2,578 SH   SOLE   0 0 2,578
VANGUARD INDEX FDS GROWTH ETF 922908736   1,078,602 2,784 SH   SOLE   0 0 2,784
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   588,745 3,493 SH   SOLE   0 0 3,493
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   3,215,744 21,487 SH   SOLE   0 0 21,487
VANGUARD INDEX FDS SMALL CP ETF 922908751   455,973 2,100 SH   SOLE   0 0 2,100
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,282,564 8,377 SH   SOLE   0 0 8,377
VANGUARD INDEX FDS SM CP VAL ETF 922908611   310,399 1,717 SH   SOLE   0 0 1,717
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,648,551 22,171 SH   SOLE   0 0 22,171
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,271,102 118,027 SH   SOLE   0 0 118,027
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   2,917,401 70,862 SH   SOLE   0 0 70,862
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   218,228 1,903 SH   SOLE   0 0 1,903
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   9,895,580 205,132 SH   SOLE   0 0 205,132
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   834,939 16,619 SH   SOLE   0 0 16,619
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   64,612,229 663,642 SH   SOLE   0 0 663,642
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   5,348,466 21,327 SH   SOLE   0 0 21,327
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   339,333 4,152 SH   SOLE   0 0 4,152
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   1,739,153 22,779 SH   SOLE   0 0 22,779
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,580,529 51,344 SH   SOLE   0 0 51,344
VANGUARD WORLD FD INF TECH ETF 92204A702   1,926,311 3,211 SH   SOLE   0 0 3,211
VANGUARD WORLD FD COMM SRVC ETF 92204A884   715,726 5,084 SH   SOLE   0 0 5,084
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   741,619 2,813 SH   SOLE   0 0 2,813
VANGUARD WORLD FD CONSUM DIS ETF 92204A108   322,975 1,007 SH   SOLE   0 0 1,007