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
APPLE INC COM 037833100   808,355 3,228 SH   SOLE 0 0 0 3,228
BERKLEY W R CORP COM 084423102   232,617 3,975 SH   SOLE 0 0 0 3,975
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,160,786 4,767 SH   SOLE 0 0 0 4,767
COMCAST CORP NEW CL A 20030N101   201,043 5,357 SH   SOLE 0 0 0 5,357
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   9,574,446 150,187 SH   SOLE 0 0 0 150,187
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   3,568,894 143,560 SH   SOLE 0 0 0 143,560
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   733,736 17,931 SH   SOLE 0 0 0 17,931
FIRST TR MID CAP CORE ALPHAD COM SHS 33735B108   219,339 1,895 SH   SOLE 0 0 0 1,895
FRANKLIN TEMPLETON ETF TR INTL COR DIV TIL 35473P108   222,235 7,405 SH   SOLE 0 0 0 7,405
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   4,749,337 22,568 SH   SOLE 0 0 0 22,568
INVESCO EXCH TRADED FD TR II S&P SMALLCAP 600 46138G664   332,717 7,271 SH   SOLE 0 0 0 7,271
INVESCO EXCHANGE TRADED FD T S&P MDCP400 PR 46137V217   668,933 13,816 SH   SOLE 0 0 0 13,816
INVESCO QQQ TR UNIT SER 1 46090E103   1,091,694 2,135 SH   SOLE 0 0 0 2,135
ISHARES TR RUS MDCP VAL ETF 464287473   550,406 4,255 SH   SOLE 0 0 0 4,255
ISHARES TR TIPS BD ETF 464287176   3,665,954 34,406 SH   SOLE 0 0 0 34,406
ISHARES TR MORNINGSTAR GRWT 464287119   448,623 5,007 SH   SOLE 0 0 0 5,007
ISHARES TR PFD AND INCM SEC 464288687   4,493,420 142,920 SH   SOLE 0 0 0 142,920
ISHARES TR SHRT NAT MUN ETF 464288158   1,244,849 11,802 SH   SOLE 0 0 0 11,802
ISHARES TR NATIONAL MUN ETF 464288414   631,732 5,929 SH   SOLE 0 0 0 5,929
ISHARES TR MSCI EAFE MIN VL 46429B689   387,745 5,484 SH   SOLE 0 0 0 5,484
ISHARES TR A RATE CP BD ETF 46429B291   1,649,169 35,246 SH   SOLE 0 0 0 35,246
ISHARES TR GLOBAL REIT ETF 46434V647   1,488,548 62,100 SH   SOLE 0 0 0 62,100
ISHARES TR IBONDS DEC2026 46435GAA0   236,052 9,807 SH   SOLE 0 0 0 9,807
ISHARES TR ESG AWR MSCI USA 46435G425   724,814 5,627 SH   SOLE 0 0 0 5,627
ISHARES TR RUSEL 2500 ETF 46435G268   858,082 12,619 SH   SOLE 0 0 0 12,619
ISHARES TR IBONDS 27 ETF 46435UAA9   255,225 10,652 SH   SOLE 0 0 0 10,652
ISHARES TR IBONDS DEC25 ETF 46434VBD1   638,101 25,473 SH   SOLE 0 0 0 25,473
ISHARES TR MSCI INTL QUALTY 46434V456   1,261,147 33,975 SH   SOLE 0 0 0 33,975
ISHARES TR 0-5 YR TIPS ETF 46429B747   4,751,723 47,234 SH   SOLE 0 0 0 47,234
ISHARES TR MSCI USA MMENTM 46432F396   392,113 1,895 SH   SOLE 0 0 0 1,895
MICROSOFT CORP COM 594918104   746,979 1,772 SH   SOLE 0 0 0 1,772
NVIDIA CORPORATION COM 67066G104   805,740 6,000 SH   SOLE 0 0 0 6,000
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   3,977,871 39,644 SH   SOLE 0 0 0 39,644
PROCTER AND GAMBLE CO COM 742718109   276,153 1,647 SH   SOLE 0 0 0 1,647
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   229,769 10,122 SH   SOLE 0 0 0 10,122
SCHWAB STRATEGIC TR FUNDAMENTAL US B 808524789   1,204,976 51,805 SH   SOLE 0 0 0 51,805
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   290,402 1,249 SH   SOLE 0 0 0 1,249
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   3,869,529 113,376 SH   SOLE 0 0 0 113,376
SPDR SER TR PORTFOLIO INTRMD 78464A375   3,170,172 96,770 SH   SOLE 0 0 0 96,770
SPDR SER TR ICE PFD SEC ETF 78464A292   516,867 15,667 SH   SOLE 0 0 0 15,667
SPDR SER TR PORTFOLIO SH TSR 78468R101   471,726 16,261 SH   SOLE 0 0 0 16,261
SPDR SER TR PORTFOLI S&P1500 78464A805   6,681,678 93,542 SH   SOLE 0 0 0 93,542
SPDR SER TR PRTFLO S&P500 GW 78464A409   276,980 3,151 SH   SOLE 0 0 0 3,151
UNION PAC CORP COM 907818108   753,672 3,305 SH   SOLE 0 0 0 3,305
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   1,101,592 11,880 SH   SOLE 0 0 0 11,880
VANECK ETF TRUST MRNGSTR INT MOAT 92189F593   1,242,683 41,019 SH   SOLE 0 0 0 41,019
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   1,602,093 23,412 SH   SOLE 0 0 0 23,412
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,163,619 28,001 SH   SOLE 0 0 0 28,001
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,522,268 35,075 SH   SOLE 0 0 0 35,075
VANGUARD INDEX FDS VALUE ETF 922908744   448,722 2,650 SH   SOLE 0 0 0 2,650
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,022,664 6,979 SH   SOLE 0 0 0 6,979
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,736,657 3,223 SH   SOLE 0 0 0 3,223
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,500,477 12,772 SH   SOLE 0 0 0 12,772
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,132,208 25,709 SH   SOLE 0 0 0 25,709
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   408,687 7,119 SH   SOLE 0 0 0 7,119
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   238,541 4,926 SH   SOLE 0 0 0 4,926
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   4,524,565 77,768 SH   SOLE 0 0 0 77,768
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,197,600 14,920 SH   SOLE 0 0 0 14,920
VANGUARD STAR FDS VG TL INTL STK F 921909768   3,996,173 67,812 SH   SOLE 0 0 0 67,812
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   519,128 10,856 SH   SOLE 0 0 0 10,856
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   466,528 3,656 SH   SOLE 0 0 0 3,656
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   598,267 4,790 SH   SOLE 0 0 0 4,790
VANGUARD WORLD FD ESG US STK ETF 921910733   455,612 4,344 SH   SOLE 0 0 0 4,344
VANGUARD WORLD FD ESG INTL STK ETF 921910725   769,829 13,577 SH   SOLE 0 0 0 13,577
VANGUARD WORLD FD INF TECH ETF 92204A702   297,220 478 SH   SOLE 0 0 0 478
WISDOMTREE TR US TOTAL DIVIDND 97717W109   591,725 7,800 SH   SOLE 0 0 0 7,800
WISDOMTREE TR EM EX ST-OWNED 97717X578   443,530 14,552 SH   SOLE 0 0 0 14,552