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
ISHARES TR NATIONAL MUN ETF 464288414 1,428,346 13,671 SH SOLE 13,671 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 20,299,536 873,474 SH SOLE 873,474 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,529,832 185,345 SH SOLE 185,345 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 982,900 35,041 SH SOLE 35,041 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,482,074 58,580 SH SOLE 58,580 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 13,002,019 262,614 SH SOLE 262,614 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 10,613,537 153,619 SH SOLE 153,619 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 26,333,489 461,910 SH SOLE 461,910 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 7,165,913 144,883 SH SOLE 144,883 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 20,272,054 46,241 SH SOLE 46,241 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 5,761,741 20,260 SH SOLE 20,260 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 5,244,629 31,890 SH SOLE 31,890 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 4,388,373 15,846 SH SOLE 15,846 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 18,464,369 104,472 SH SOLE 104,472 0 0
ISHARES TR CORE INTL AGGR 46435G672 329,684 6,453 SH SOLE 6,453 0 0
ISHARES TR CORE US AGGBD ET 464287226 296,608 2,990 SH SOLE 2,990 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,641,485 54,462 SH SOLE 54,462 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 4,427,470 22,704 SH SOLE 22,704 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 3,033,041 41,193 SH SOLE 41,193 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 248,228 511 SH SOLE 511 0 0
ISHARES TR CORE S&P500 ETF 464287200 851,254 1,371 SH SOLE 1,371 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,203,335 235,445 SH SOLE 235,445 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 7,220,161 23,756 SH SOLE 23,756 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,118,981 72,543 SH SOLE 72,543 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669 236,817 2,828 SH SOLE 2,828 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,236,189 6,040 SH SOLE 6,040 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 7,602,249 155,053 SH SOLE 155,053 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 276,263 10,425 SH SOLE 10,425 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 369,145 13,341 SH SOLE 13,341 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 215,790 1,000 SH SOLE 1,000 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 240,017 2,695 SH SOLE 2,695 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 255,045 449 SH SOLE 449 0 0
META PLATFORMS INC CL A 30303M102 212,570 288 SH SOLE 288 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 728,800 1 SH SOLE 1 0 0
EXXON MOBIL CORP COM 30231G102 278,232 2,581 SH SOLE 2,581 0 0
SPDR SERIES TRUST NUVEEN ICE MUNIC 78468R721 6,288,062 140,767 SH SOLE 140,767 0 0