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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 19,255,340 831,405 SH SOLE 831,405 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 23,748,081 467,206 SH SOLE 467,206 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,009,029 176,956 SH SOLE 176,956 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 5,175,359 21,155 SH SOLE 21,155 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 4,807,923 25,809 SH SOLE 25,809 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 12,088,125 247,606 SH SOLE 247,606 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 19,377,616 112,178 SH SOLE 112,178 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 18,696,374 50,419 SH SOLE 50,419 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 5,326,717 33,180 SH SOLE 33,180 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 4,549,971 18,072 SH SOLE 18,072 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 6,127,310 309,773 SH SOLE 309,773 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 453,812 811 SH SOLE 811 0 0
ISHARES TR CORE INTL AGGR 46435G672 322,585 6,453 SH SOLE 6,453 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 520,742 18,888 SH SOLE 18,888 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 291,483 10,425 SH SOLE 10,425 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,816,477 72,543 SH SOLE 72,543 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 354,604 13,341 SH SOLE 13,341 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 249,660 9,529 SH SOLE 9,529 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,798,151 38,096 SH SOLE 38,096 0 0
META PLATFORMS INC CL A 30303M102 293,944 510 SH SOLE 510 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 272,148 511 SH SOLE 511 0 0
ISHARES TR CORE S&P500 ETF 464287200 770,365 1,371 SH SOLE 1,371 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 12,515,355 252,224 SH SOLE 252,224 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,971,174 21,726 SH SOLE 21,726 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669 225,844 2,828 SH SOLE 2,828 0 0
ISHARES TR CORE US AGGBD ET 464287226 295,771 2,990 SH SOLE 2,990 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 426,443 4,710 SH SOLE 4,710 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 798,442 1 SH SOLE 1 0 0
EXXON MOBIL CORP COM 30231G102 306,958 2,581 SH SOLE 2,581 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 6,041,150 97,281 SH SOLE 97,281 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,268,231 57,438 SH SOLE 57,438 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,171,682 6,040 SH SOLE 6,040 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 230,746 449 SH SOLE 449 0 0
ISHARES TR NATIONAL MUN ETF 464288414 344,472 3,267 SH SOLE 3,267 0 0