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
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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
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   666,875 8,255 SH   SOLE   0 0 8,255
EXXON MOBIL CORP COM 30231G102   311,922 2,661 SH   SOLE   156 0 2,505
INVESCO EXCHANGE TRADED FD T WILDERHIL CLAN 46137V134   732,697 36,580 SH   SOLE   4,623 0 31,957
VANECK ETF TRUST IG FLOATING RATE 92189F486   203,760 8,000 SH   SOLE   0 0 8,000
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   838,787 6,543 SH   SOLE   0 0 6,543
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   11,684,869 244,198 SH   SOLE   98,077 0 146,121
ISHARES TR CORE S&P500 ETF 464287200   23,391,342 40,552 SH   SOLE   17,150 0 23,402
VANGUARD INDEX FDS TOTAL STK MKT 922908769   240,270 849 SH   SOLE   0 0 849
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   14,228,472 380,746 SH   SOLE   126,221 0 254,525
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   403,648 877 SH   SOLE   0 0 877
FLEXSHARES TR MORNSTAR UPSTR 33939L407   39,420,651 955,652 SH   SOLE   401,148 0 554,504
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   15,915,599 311,338 SH   SOLE   147,862 0 163,476
WISDOMTREE TR US SMALLCAP DIVD 97717W604   354,833 10,288 SH   SOLE   1,988 0 8,300
WISDOMTREE TR US SMALLCAP FUND 97717W562   972,816 18,442 SH   SOLE   18,442 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   7,995,147 112,449 SH   SOLE   35,462 0 76,987
ISHARES TR ESG AWR MSCI USA 46435G425   282,012 2,235 SH   SOLE   0 0 2,235
VANGUARD INDEX FDS SMALL CP ETF 922908751   26,899,797 113,401 SH   SOLE   51,271 0 62,130
VANGUARD INDEX FDS LARGE CAP ETF 922908637   24,304,037 92,309 SH   SOLE   63,150 0 29,159
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763   31,490,536 528,631 SH   SOLE   195,726 0 332,905
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748   3,376,917 88,517 SH   SOLE   22,280 0 66,237
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   394,400 20,000 SH   SOLE   0 0 20,000
ILLINOIS TOOL WKS INC COM 452308109   382,622 1,460 SH   SOLE   0 0 1,460
SELECT SECTOR SPDR TR INDL 81369Y704   388,580 2,869 SH   SOLE   0 0 2,869
WISDOMTREE TR INTL EQUITY FD 97717W703   6,738,681 117,079 SH   SOLE   100,107 0 16,972
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730   10,754,368 333,262 SH   SOLE   111,932 0 221,330
ISHARES TR S&P MC 400GR ETF 464287606   429,154 4,668 SH   SOLE   0 0 4,668
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   8,047,608 102,661 SH   SOLE   31,127 0 71,534
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   18,803,524 193,015 SH   SOLE   71,652 0 121,363
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   18,979,246 264,482 SH   SOLE   73,877 0 190,605
WISDOMTREE TR US LARGECAP FUND 97717W588   223,949 3,730 SH   SOLE   3,730 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   17,407,052 371,073 SH   SOLE   107,491 0 263,582
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,191,583 42,555 SH   SOLE   2,836 0 39,719
ISHARES TR GL CLEAN ENE ETF 464288224   1,306,769 88,956 SH   SOLE   9,335 0 79,621
GE VERNOVA INC COM 36828A101   231,522 908 SH   SOLE   899 0 9
PHILLIPS 66 COM 718546104   316,532 2,408 SH   SOLE   2,208 0 200
CORTEVA INC COM 22052L104   229,281 3,900 SH   SOLE   3,900 0 0
WISDOMTREE TR EMER MKT HIGH FD 97717W315   298,828 6,790 SH   SOLE   5,046 0 1,744
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   14,485,984 335,401 SH   SOLE   82,391 0 253,010
JPMORGAN CHASE & CO. COM 46625H100   1,175,755 5,576 SH   SOLE   781 0 4,795
JOHNSON & JOHNSON COM 478160104   871,397 5,377 SH   SOLE   5,270 0 107
GE AEROSPACE COM NEW 369604301   685,111 3,633 SH   SOLE   3,596 0 37
AIR PRODS & CHEMS INC COM 009158106   267,073 897 SH   SOLE   897 0 0
PRICE T ROWE GROUP INC COM 74144T108   784,296 7,200 SH   SOLE   7,200 0 0
PROCTER AND GAMBLE CO COM 742718109   1,371,224 7,917 SH   SOLE   7,391 0 526
ISHARES TR RUSSELL 2000 ETF 464287655   9,028,064 40,871 SH   SOLE   32,240 0 8,632
WISDOMTREE TR US LARGECAP DIVD 97717W307   7,537,282 95,943 SH   SOLE   53,969 0 41,974
ISHARES INC ESG AWR MSCI EM 46434G863   314,910 8,649 SH   SOLE   0 0 8,649
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   504,030 3,273 SH   SOLE   0 0 3,273
SMUCKER J M CO COM NEW 832696405   215,316 1,778 SH   SOLE   1,778 0 0
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719   718,321 38,744 SH   SOLE   518 0 38,226
ISHARES TR NATIONAL MUN ETF 464288414   7,458,970 68,664 SH   SOLE   18,894 0 49,770
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   12,817,955 242,718 SH   SOLE   113,465 0 129,253
SPDR S&P 500 ETF TR TR UNIT 78462F103   228,930 399 SH   SOLE   0 0 399
ISHARES TR ESG AWARE MSCI 46435U663   277,852 6,644 SH   SOLE   0 0 6,644
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   362,039 1,475 SH   SOLE   0 0 1,475
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   3,969,782 31,516 SH   SOLE   12,926 0 18,590
ISHARES TR CORE S&P MCP ETF 464287507   4,151,996 66,624 SH   SOLE   66,624 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   329,293 1,167 SH   SOLE   0 0 1,167
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233   1,429,918 30,085 SH   SOLE   0 0 30,085
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   28,732,222 582,685 SH   SOLE   168,784 0 413,901
ISHARES TR ESG AW MSCI EAFE 46435G516   377,082 4,480 SH   SOLE   0 0 4,480
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   283,886 538 SH   SOLE   0 0 538
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   4,179,544 53,114 SH   SOLE   13,028 0 40,086
ISHARES TR MSCI EAFE ETF 464287465   5,271,784 63,037 SH   SOLE   43,714 0 19,323
SPDR SER TR DJ REIT ETF 78464A607   1,515,993 14,204 SH   SOLE   6,177 0 8,027