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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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hours per response: 23.8
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
ABBOTT LABS COM 002824100   207,357 2,143 SH   SOLE   0 0 2,143
ACV AUCTIONS INC COM CL A 00091G104   158,180 22,000 SH   SOLE   0 0 22,000
ALPHABET INC CAP STK CL C 02079K107   338,448 3,520 SH   SOLE   0 0 3,520
ALPHABET INC CAP STK CL A 02079K305   610,247 6,380 SH   SOLE   0 0 6,380
AMAZON COM INC COM 023135106   879,140 7,780 SH   SOLE   0 0 7,780
APPLE INC COM 037833100   3,537,280 25,595 SH   SOLE   0 0 25,595
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   227,485 10,660 SH   SOLE   0 0 10,660
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   471,844 21,875 SH   SOLE   0 0 21,875
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   562,153 22,352 SH   SOLE   0 0 22,352
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   980,344 47,962 SH   SOLE   0 0 47,962
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   2,899,713 151,342 SH   SOLE   0 0 151,342
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   5,862,353 263,595 SH   SOLE   0 0 263,595
EXXON MOBIL CORP COM 30231G102   223,165 2,556 SH   SOLE   0 0 2,556
HONEYWELL INTL INC COM 438516106   212,386 1,272 SH   SOLE   0 0 1,272
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   935,127 7,347 SH   SOLE   0 0 7,347
INVESCO QQQ TR UNIT SER 1 46090E103   349,309 1,307 SH   SOLE   0 0 1,307
ISHARES INC CORE MSCI EMKT 46434G103   9,804,855 228,126 SH   SOLE   0 0 228,126
ISHARES TR CORE US AGGBD ET 464287226   257,999 2,678 SH   SOLE   0 0 2,678
ISHARES TR RUSSELL 2000 ETF 464287655   260,244 1,578 SH   SOLE   0 0 1,578
ISHARES TR S&P MC 400VL ETF 464287705   282,150 3,135 SH   SOLE   0 0 3,135
ISHARES TR ISHS 1-5YR INVS 464288646   347,917 7,060 SH   SOLE   0 0 7,060
ISHARES TR RUS 1000 VAL ETF 464287598   477,366 3,510 SH   SOLE   0 0 3,510
ISHARES TR RUS MDCP VAL ETF 464287473   538,937 5,611 SH   SOLE   0 0 5,611
ISHARES TR RUS 1000 GRW ETF 464287614   546,620 2,598 SH   SOLE   0 0 2,598
ISHARES TR MBS ETF 464288588   571,734 6,243 SH   SOLE   0 0 6,243
ISHARES TR NEW YORK MUN ETF 464288323   601,364 11,887 SH   SOLE   0 0 11,887
ISHARES TR SELECT DIVID ETF 464287168   963,479 8,986 SH   SOLE   0 0 8,986
ISHARES TR CORE S&P500 ETF 464287200   1,085,649 3,027 SH   SOLE   0 0 3,027
ISHARES TR SHRT NAT MUN ETF 464288158   1,283,661 12,504 SH   SOLE   0 0 12,504
ISHARES TR NATIONAL MUN ETF 464288414   2,015,492 19,648 SH   SOLE   0 0 19,648
ISHARES TR CORE 1 5 YR USD 46432F859   2,636,598 57,193 SH   SOLE   0 0 57,193
ISHARES TR MICRO-CAP ETF 464288869   3,074,266 29,735 SH   SOLE   0 0 29,735
ISHARES TR 0-5YR INVT GR CP 46434V100   3,425,314 72,264 SH   SOLE   0 0 72,264
ISHARES TR CRE U S REIT ETF 464288521   12,400,378 261,061 SH   SOLE   0 0 261,061
ISHARES TR CORE MSCI EAFE 46432F842   20,107,355 381,761 SH   SOLE   0 0 381,761
JOHNSON & JOHNSON COM 478160104   698,038 4,273 SH   SOLE   0 0 4,273
LOWES COS INC COM 548661107   200,394 1,067 SH   SOLE   0 0 1,067
MANNKIND CORP COM NEW 56400P706   76,676 24,814 SH   SOLE   0 0 24,814
MARSH & MCLENNAN COS INC COM 571748102   231,549 1,551 SH   SOLE   0 0 1,551
MCDONALDS CORP COM 580135101   214,358 929 SH   SOLE   0 0 929
META PLATFORMS INC CL A 30303M102   229,435 1,691 SH   SOLE   0 0 1,691
MICROSOFT CORP COM 594918104   1,686,686 7,242 SH   SOLE   0 0 7,242
NEXTERA ENERGY INC COM 65339F101   397,931 5,075 SH   SOLE   0 0 5,075
PEPSICO INC COM 713448108   212,075 1,299 SH   SOLE   0 0 1,299
PFIZER INC COM 717081103   319,102 7,292 SH   SOLE   0 0 7,292
PROCTER AND GAMBLE CO COM 742718109   582,392 4,613 SH   SOLE   0 0 4,613
RAYTHEON TECHNOLOGIES CORP COM 75513E101   264,818 3,235 SH   SOLE   0 0 3,235
ROCKWELL AUTOMATION INC COM 773903109   216,831 1,008 SH   SOLE   0 0 1,008
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   252,433 6,006 SH   SOLE   0 0 6,006
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   305,130 5,215 SH   SOLE   0 0 5,215
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   362,502 9,590 SH   SOLE   0 0 9,590
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   403,270 9,522 SH   SOLE   0 0 9,522
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   550,502 11,407 SH   SOLE   0 0 11,407
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   670,479 13,644 SH   SOLE   0 0 13,644
SCHWAB STRATEGIC TR US REIT ETF 808524847   3,166,507 169,423 SH   SOLE   0 0 169,423
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   4,581,000 162,851 SH   SOLE   0 0 162,851
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   5,059,332 225,863 SH   SOLE   0 0 225,863
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   7,551,729 179,846 SH   SOLE   0 0 179,846
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   16,514,245 595,108 SH   SOLE   0 0 595,108
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   73,155,821 1,614,562 SH   SOLE   0 0 1,614,562
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   211,459 1,746 SH   SOLE   0 0 1,746
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,077,151 34,702 SH   SOLE   0 0 34,702
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   2,025,378 78,503 SH   SOLE   0 0 78,503
SPDR S&P 500 ETF TR TR UNIT 78462F103   9,904,959 27,731 SH   SOLE   0 0 27,731
SPDR SER TR PORTFOLIO INTRMD 78464A375   229,576 7,330 SH   SOLE   0 0 7,330
SPDR SER TR S&P DIVID ETF 78464A763   430,167 3,858 SH   SOLE   0 0 3,858
SPDR SER TR PORTFOLIO SHORT 78464A474   1,629,512 55,767 SH   SOLE   0 0 55,767
SPDR SER TR PORTFOLIO AGRGTE 78464A649   6,654,016 266,694 SH   SOLE   0 0 266,694
SPDR SER TR S&P 600 SMCP VAL 78464A300   9,028,297 134,470 SH   SOLE   0 0 134,470
SPDR SER TR S&P 400 MDCP VAL 78464A839   10,753,899 185,989 SH   SOLE   0 0 185,989
SPDR SER TR PORTFOLI S&P1500 78464A805   56,054,210 1,270,782 SH   SOLE   0 0 1,270,782
TESLA INC COM 88160R101   851,453 3,210 SH   SOLE   0 0 3,210
UNITEDHEALTH GROUP INC COM 91324P102   213,632 423 SH   SOLE   0 0 423
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,460,949 46,257 SH   SOLE   0 0 46,257
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   34,624,975 485,420 SH   SOLE   0 0 485,420
VANGUARD INDEX FDS MID CAP ETF 922908629   345,132 1,836 SH   SOLE   0 0 1,836
VANGUARD INDEX FDS LARGE CAP ETF 922908637   450,772 2,756 SH   SOLE   0 0 2,756
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   753,787 4,420 SH   SOLE   0 0 4,420
VANGUARD INDEX FDS SML CP GRW ETF 922908595   812,327 4,163 SH   SOLE   0 0 4,163
VANGUARD INDEX FDS GROWTH ETF 922908736   1,059,481 4,952 SH   SOLE   0 0 4,952
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,077,056 8,845 SH   SOLE   0 0 8,845
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,103,737 6,458 SH   SOLE   0 0 6,458
VANGUARD INDEX FDS VALUE ETF 922908744   2,535,262 20,532 SH   SOLE   0 0 20,532
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,255,423 9,916 SH   SOLE   0 0 9,916
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,922,019 48,921 SH   SOLE   0 0 48,921
VANGUARD INDEX FDS SM CP VAL ETF 922908611   5,349,092 37,302 SH   SOLE   0 0 37,302
VANGUARD INDEX FDS TOTAL STK MKT 922908769   14,023,786 78,140 SH   SOLE   0 0 78,140
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   443,084 4,774 SH   SOLE   0 0 4,774
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,508,796 150,967 SH   SOLE   0 0 150,967
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   339,724 7,057 SH   SOLE   0 0 7,057
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   301,386 5,169 SH   SOLE   0 0 5,169
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   862,716 14,928 SH   SOLE   0 0 14,928
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   2,222,473 49,290 SH   SOLE   0 0 49,290
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   3,004,917 39,706 SH   SOLE   0 0 39,706
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   31,807,816 428,215 SH   SOLE   0 0 428,215
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   459,409 3,399 SH   SOLE   0 0 3,399
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,033,670 22,584 SH   SOLE   0 0 22,584
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   7,710,808 212,068 SH   SOLE   0 0 212,068
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   691,486 7,288 SH   SOLE   0 0 7,288
VANGUARD WORLD FD ESG US STK ETF 921910733   756,745 12,029 SH   SOLE   0 0 12,029
WISDOMTREE TR INTL EQUITY FD 97717W703   223,252 5,560 SH   SOLE   0 0 5,560