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
OMB APPROVAL
OMB Number: 3235-0006
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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
ABBVIE INC COM 00287Y109 508,784 2,741 SH SOLE 0 0 2,741
ALPHABET INC CAP STK CL C 02079K107 1,405,638 7,924 SH SOLE 0 0 7,924
ALPHABET INC CAP STK CL A 02079K305 2,027,509 11,505 SH SOLE 0 0 11,505
AMAZON COM INC COM 023135106 1,043,199 4,755 SH SOLE 0 0 4,755
APPLE INC COM 037833100 1,994,868 9,723 SH SOLE 0 0 9,723
AT&T INC COM 00206R102 318,340 11,000 SH SOLE 0 0 11,000
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,316,437 2,710 SH SOLE 0 0 2,710
BROADCOM INC COM 11135F101 241,194 875 SH SOLE 0 0 875
CISCO SYS INC COM 17275R102 275,161 3,966 SH SOLE 0 0 3,966
COSTAR GROUP INC COM 22160N109 268,777 3,343 SH SOLE 0 0 3,343
ELI LILLY & CO COM 532457108 3,072,907 3,942 SH SOLE 0 0 3,942
EMERSON ELEC CO COM 291011104 257,460 1,931 SH SOLE 0 0 1,931
ETF SER SOLUTIONS DEFIANCE CONNECT 26922A289 545,802 10,345 SH SOLE 0 0 10,345
EXXON MOBIL CORP COM 30231G102 227,889 2,114 SH SOLE 0 0 2,114
GENERAL DYNAMICS CORP COM 369550108 204,162 700 SH SOLE 0 0 700
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 6,491,935 35,721 SH SOLE 0 0 35,721
INVESCO QQQ TR UNIT SER 1 46090E103 1,982,043 3,593 SH SOLE 0 0 3,593
ISHARES TR CORE S&P500 ETF 464287200 290,581 468 SH SOLE 0 0 468
ISHARES TR RUS 1000 VAL ETF 464287598 451,002 2,322 SH SOLE 0 0 2,322
ISHARES TR MSCI EAFE ETF 464287465 43,928,570 491,426 SH SOLE 0 0 491,426
ISHARES TR MSCI EMG MKT ETF 464287234 12,295,122 254,874 SH SOLE 0 0 254,874
ISHARES TR RUS MID CAP ETF 464287499 2,479,143 26,956 SH SOLE 0 0 26,956
ISHARES TR U.S. TECH ETF 464287721 452,581 2,612 SH SOLE 0 0 2,612
ISHARES TR CORE S&P TTL STK 464287150 349,213 2,586 SH SOLE 0 0 2,586
JOHNSON & JOHNSON COM 478160104 2,026,993 13,270 SH SOLE 0 0 13,270
META PLATFORMS INC CL A 30303M102 1,446,361 1,960 SH SOLE 0 0 1,960
MICROSOFT CORP COM 594918104 4,539,620 9,127 SH SOLE 0 0 9,127
NVIDIA CORPORATION COM 67066G104 3,228,320 20,434 SH SOLE 0 0 20,434
PROCTER AND GAMBLE CO COM 742718109 310,355 1,948 SH SOLE 0 0 1,948
PROSHARES TR S&P 500 DV ARIST 74348A467 532,703 5,290 SH SOLE 0 0 5,290
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 144,103,806 6,047,159 SH SOLE 0 0 6,047,159
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 309,629 3,824 SH SOLE 0 0 3,824
SPDR S&P 500 ETF TR TR UNIT 78462F103 766,752 1,241 SH SOLE 0 0 1,241
TESLA INC COM 88160R101 300,189 945 SH SOLE 0 0 945
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,423,293 43,498 SH SOLE 0 0 43,498
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,644,326 21,261 SH SOLE 0 0 21,261
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 5,765,450 78,303 SH SOLE 0 0 78,303
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 1,514,442 21,778 SH SOLE 0 0 21,778
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 3,667,701 74,080 SH SOLE 0 0 74,080
VANGUARD INDEX FDS VALUE ETF 922908744 347,824 1,968 SH SOLE 0 0 1,968
VANGUARD INDEX FDS MID CAP ETF 922908629 343,072 1,226 SH SOLE 0 0 1,226
VANGUARD INDEX FDS TOTAL STK MKT 922908769 21,371,446 70,317 SH SOLE 0 0 70,317
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,721,088 115,671 SH SOLE 0 0 115,671
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 2,526,446 19,658 SH SOLE 0 0 19,658
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 21,695,628 442,497 SH SOLE 0 0 442,497
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 968,310 12,180 SH SOLE 0 0 12,180
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 945,799 20,410 SH SOLE 0 0 20,410
VANGUARD STAR FDS VG TL INTL STK F 921909768 393,122 5,690 SH SOLE 0 0 5,690
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 16,991,602 298,046 SH SOLE 0 0 298,046