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
SPDR SERIES TRUST PORTFLI HIGH YLD 78468R606 2,288,730 96,165 SH SOLE 10,834 0 85,331
GOLDMAN SACHS GROUP INC COM 38141G104 268,237 379 SH SOLE 361 0 18
EXXON MOBIL CORP COM 30231G102 289,874 2,689 SH SOLE 0 0 2,689
MICROSOFT CORP COM 594918104 243,542 490 SH SOLE 0 0 490
INVESCO EXCHANGE TRADED FD T WILDERHIL CLAN 46137V134 751,163 37,709 SH SOLE 4,473 0 33,236
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 801,625 6,013 SH SOLE 0 0 6,013
VANGUARD INDEX FDS TOTAL STK MKT 922908769 285,876 941 SH SOLE 0 0 941
ISHARES TR CORE S&P500 ETF 464287200 25,114,285 40,448 SH SOLE 10,742 0 29,706
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 13,350,766 269,931 SH SOLE 82,710 0 187,221
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 459,053 945 SH SOLE 0 0 945
FLEXSHARES TR MORNSTAR UPSTR 33939L407 44,814,977 1,117,302 SH SOLE 409,597 0 707,705
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 17,691,609 360,832 SH SOLE 156,217 0 204,615
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 16,233,690 405,639 SH SOLE 124,152 0 281,487
WISDOMTREE TR US SMALLCAP DIVD 97717W604 288,571 9,086 SH SOLE 1,725 0 7,361
ISHARES TR CORE DIV GRWTH 46434V621 311,973 4,879 SH SOLE 0 0 4,879
WISDOMTREE TR US SMALLCAP FUND 97717W562 939,804 18,442 SH SOLE 0 0 18,442
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 11,221,928 144,799 SH SOLE 28,818 0 115,981
VANGUARD INDEX FDS SMALL CP ETF 922908751 32,073,557 135,343 SH SOLE 48,986 0 86,357
VANGUARD INDEX FDS LARGE CAP ETF 922908637 24,057,923 84,325 SH SOLE 58,287 0 26,038
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 4,573,631 108,766 SH SOLE 22,560 0 86,206
ISHARES TR ESG AWR MSCI USA 46435G425 284,536 2,103 SH SOLE 0 0 2,103
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 36,761,349 1,283,119 SH SOLE 432,238 0 850,881
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783 393,000 20,000 SH SOLE 0 0 20,000
WISDOMTREE TR INTL EQUITY FD 97717W703 6,795,454 106,914 SH SOLE 90,181 0 16,733
ILLINOIS TOOL WKS INC COM 452308109 376,067 1,521 SH SOLE 0 0 1,521
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730 12,407,589 375,874 SH SOLE 111,587 0 264,287
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 11,091,105 134,961 SH SOLE 24,045 0 110,916
ISHARES INC MSCI GERMANY ETF 464286806 421,603 9,965 SH SOLE 0 0 9,965
INVESCO QQQ TR UNIT SER 1 46090E103 212,000 384 SH SOLE 0 0 384
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 19,267,321 216,341 SH SOLE 67,122 0 149,219
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,823,320 72,068 SH SOLE 4,050 0 68,018
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 21,445,545 873,902 SH SOLE 228,927 0 644,975
ISHARES TR GL CLEAN ENE ETF 464288224 1,104,917 84,280 SH SOLE 9,434 0 74,846
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 19,574,996 424,160 SH SOLE 109,827 0 314,333
WISDOMTREE TR US LARGECAP FUND 97717W588 238,757 3,730 SH SOLE 3,730 0 0
SPDR SERIES TRUST DJ REIT ETF 78464A607 1,357,682 14,078 SH SOLE 6,061 0 8,017
GE VERNOVA INC COM 36828A101 483,643 914 SH SOLE 899 0 15
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 948,851 3,336 SH SOLE 0 0 3,336
CORTEVA INC COM 22052L104 246,694 3,310 SH SOLE 3,200 0 110
PHILLIPS 66 COM 718546104 208,536 1,748 SH SOLE 1,533 0 215
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 17,479,002 413,606 SH SOLE 104,784 0 308,822
JPMORGAN CHASE & CO. COM 46625H100 1,679,327 5,793 SH SOLE 781 0 5,012
GE AEROSPACE COM NEW 369604301 944,879 3,671 SH SOLE 3,596 0 75
WISDOMTREE TR EMER MKT HIGH FD 97717W315 300,680 6,639 SH SOLE 5,046 0 1,593
JOHNSON & JOHNSON COM 478160104 834,168 5,461 SH SOLE 5,270 0 191
PROCTER AND GAMBLE CO COM 742718109 1,294,794 8,127 SH SOLE 7,391 0 736
ISHARES TR RUSSELL 2000 ETF 464287655 8,517,654 39,472 SH SOLE 30,840 0 8,632
WISDOMTREE TR US LARGECAP DIVD 97717W307 7,622,977 92,805 SH SOLE 53,315 0 39,490
PRICE T ROWE GROUP INC COM 74144T108 695,283 7,205 SH SOLE 7,200 0 5
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 216,907 2,984 SH SOLE 0 0 2,984
ISHARES INC ESG AWR MSCI EM 46434G863 337,880 8,626 SH SOLE 0 0 8,626
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 957,715 51,881 SH SOLE 676 0 51,205
APPLIED MATLS INC COM 038222105 300,967 1,644 SH SOLE 0 0 1,644
ISHARES TR NATIONAL MUN ETF 464288414 7,491,112 71,699 SH SOLE 18,413 0 53,286
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 14,874,938 260,918 SH SOLE 111,015 0 149,903
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 345,232 6,812 SH SOLE 2,700 0 4,112
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 5,254,543 39,099 SH SOLE 7,724 0 31,375
SPDR S&P 500 ETF TR TR UNIT 78462F103 422,609 684 SH SOLE 0 0 684
ISHARES TR ESG AWARE MSCI 46435U663 296,584 7,176 SH SOLE 0 0 7,176
ISHARES TR ESG AW MSCI EAFE 46435G516 511,231 5,730 SH SOLE 0 0 5,730
APPLE INC COM 037833100 292,572 1,426 SH SOLE 0 0 1,426
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,875,959 49,250 SH SOLE 11,413 0 37,837
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 34,107,088 678,478 SH SOLE 162,877 0 515,601
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 305,600 538 SH SOLE 0 0 538
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 1,913,254 36,723 SH SOLE 0 0 36,723
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 310,053 1,249 SH SOLE 0 0 1,249
ISHARES TR CORE S&P MCP ETF 464287507 4,168,043 67,205 SH SOLE 67,205 0 0
AT&T INC COM 00206R102 253,283 8,752 SH SOLE 0 0 8,752
ISHARES TR MSCI EAFE ETF 464287465 5,780,248 64,663 SH SOLE 42,510 0 22,153