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
Expires: July 31, 2015
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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
AMAZON COM INC COM Stock 023135106 2,555,894 11,650 SH SOLE 0 11,650 0 0
ISHARES MORNINGSTAR MID-CAP GROWTH ETF ETF 464288307 794,117 9,898 SH SOLE 0 9,898 0 0
JOHNSON & JOHNSON COM Stock 478160104 543,726 3,560 SH SOLE 0 3,559 0 0
GOLDMAN SACHS GROUP INC COM Stock 38141G104 228,752 323 SH SOLE 0 323 0 0
PROCTER AND GAMBLE CO COM Stock 742718109 353,341 2,218 SH SOLE 0 2,217 0 0
COCA COLA CO COM Stock 191216100 283,269 4,004 SH SOLE 0 4,003 0 0
NETFLIX INC COM Stock 64110L106 642,782 480 SH SOLE 0 480 0 0
FORTIS INC COM Stock 349553107 993,452 20,814 SH SOLE 0 20,814 0 0
MERCK & CO INC COM Stock 58933Y105 368,562 4,656 SH SOLE 0 4,655 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158 285,523 2,685 SH SOLE 0 2,685 0 0
MASTERCARD INCORPORATED CL A Stock 57636Q104 480,459 855 SH SOLE 0 855 0 0
GOLDMAN SACHS JUST U.S. LARGE CAP EQUITY ETF ETF 381430396 202,404 2,302 SH SOLE 0 2,302 0 0
BANK NEW YORK MELLON CORP COM Stock 064058100 449,285 4,931 SH SOLE 0 4,931 0 0
INTERPUBLIC GROUP COS INC COM Stock 460690100 203,828 8,326 SH SOLE 0 8,326 0 0
HONEYWELL INTL INC COM Stock 438516106 217,970 936 SH SOLE 0 935 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 23,702,239 1,072,499 SH SOLE 0 1,072,499 0 0
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 12,479,866 510,633 SH SOLE 0 510,632 0 0
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300 10,013,947 342,826 SH SOLE 0 342,825 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804 762,953 6,981 SH SOLE 0 6,981 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 556,207 1,145 SH SOLE 0 1,145 0 0
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 980,165 32,520 SH SOLE 0 32,520 0 0
VANGUARD SHORT-TERM CORPORATE BOND ETF ETF 92206C409 8,904,477 112,006 SH SOLE 0 112,006 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870 15,732,577 189,732 SH SOLE 0 189,732 0 0
ALPHABET INC CAP STK CL A Stock 02079K305 732,660 4,157 SH SOLE 0 4,157 0 0
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 6,222,184 146,095 SH SOLE 0 146,094 0 0
MICROSOFT CORP COM Stock 594918104 4,566,558 9,181 SH SOLE 0 9,180 0 0
VANGUARD SMALL-CAP ETF ETF 922908751 5,088,666 21,473 SH SOLE 0 21,472 0 0
VANGUARD MID-CAP ETF ETF 922908629 7,625,927 27,252 SH SOLE 0 27,252 0 0
JPMORGAN U.S. QUALITY FACTOR ETF ETF 46641Q761 511,058 8,511 SH SOLE 0 8,510 0 0
TESLA INC COM Stock 88160R101 700,123 2,204 SH SOLE 0 2,204 0 0
ISHARES ESG AWARE US AGGREGATE BOND ETF ETF 46435U549 240,552 5,060 SH SOLE 0 5,060 0 0
ISHARES MSCI EMERGING MARKETS EX CHINA ETF ETF 46434G764 992,877 15,725 SH SOLE 0 15,725 0 0
ISHARES MSCI USA QUALITY GARP ETF ETF 46436E403 580,379 9,612 SH SOLE 0 9,612 0 0
PIMCO INTERMEDIATE MUNICIPAL BOND ACTIVE EXCHANGE-TRADED FUND ETF 72201R866 6,890,560 134,162 SH SOLE 0 134,162 0 0
SCHWAB INTERMEDIATE-TERM US TREASURY ETF ETF 808524854 11,269,883 450,255 SH SOLE 0 450,255 0 0
JPMORGAN MUNICIPAL ETF ETF 46641Q647 6,196,313 124,825 SH SOLE 0 124,825 0 0
ISHARES IBONDS 2025 TERM HIGH YIELD & INCOME ETF ETF 46435U168 230,457 9,910 SH SOLE 0 9,910 0 0
ISHARES MSCI EAFE GROWTH ETF ETF 464288885 238,255 2,127 SH SOLE 0 2,127 0 0
ELI LILLY & CO COM Stock 532457108 418,415 537 SH SOLE 0 536 0 0
SCHWAB U.S. MID-CAP ETF ETF 808524508 1,333,693 47,547 SH SOLE 0 47,547 0 0
VANGUARD S&P SMALL-CAP 600 VALUE ETF ETF 921932778 694,486 8,116 SH SOLE 0 8,116 0 0
ISHARES ESG ADVANCED TOTAL USD BOND MARKET ETF ETF 46436E619 235,431 5,406 SH SOLE 0 5,406 0 0
VANGUARD ESG U.S. CORPORATE BOND ETF ETF 921910691 243,139 3,835 SH SOLE 0 3,835 0 0
CHEMED CORP NEW COM Stock 16359R103 243,178 499 SH SOLE 0 499 0 0
VANGUARD MID-CAP GROWTH ETF ETF 922908538 358,403 1,260 SH SOLE 0 1,260 0 0
BOWMAN CONSULTING GROUP LTD COM Stock 103002101 647,910 22,536 SH SOLE 0 22,536 0 0
VISA INC COM CL A Stock 92826C839 380,614 1,072 SH SOLE 0 1,072 0 0
PIMCO ACTIVE BOND EXCHANGE-TRADED FUND ETF 72201R775 1,781,194 19,323 SH SOLE 0 19,323 0 0
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595 713,233 2,575 SH SOLE 0 2,575 0 0
VANGUARD VALUE ETF ETF 922908744 3,684,322 20,846 SH SOLE 0 20,846 0 0
DOORDASH INC CL A Stock 25809K105 209,780 851 SH SOLE 0 851 0 0
META PLATFORMS INC CL A Stock 30303M102 1,488,728 2,017 SH SOLE 0 2,017 0 0
DIMENSIONAL US SMALL CAP VALUE ETF ETF 25434V815 5,020,846 170,603 SH SOLE 0 170,603 0 0
DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF ETF 25434V781 4,221,300 128,268 SH SOLE 0 128,268 0 0
JPMORGAN ACTIVE VALUE ETF ETF 46641Q167 13,210,892 201,693 SH SOLE 0 201,693 0 0
SERVICENOW INC COM Stock 81762P102 268,329 261 SH SOLE 0 261 0 0
JPMORGAN ACTIVE GROWTH ETF ETF 46654Q609 14,120,988 164,064 SH SOLE 0 164,064 0 0
BROADCOM INC COM Stock 11135F101 825,296 2,994 SH SOLE 0 2,994 0 0
DIMENSIONAL GLOBAL REAL ESTATE ETF ETF 25434V658 949,165 35,377 SH SOLE 0 35,377 0 0
NVIDIA CORPORATION COM Stock 67066G104 3,871,825 24,507 SH SOLE 0 24,506 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS ADR 874039100 653,650 2,886 SH SOLE 0 2,886 0 0
QUALCOMM INC COM Stock 747525103 237,768 1,493 SH SOLE 0 1,492 0 0
MCDONALDS CORP COM Stock 580135101 211,828 725 SH SOLE 0 725 0 0
CISCO SYS INC COM Stock 17275R102 760,766 10,965 SH SOLE 0 10,965 0 0
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY ETF ETF 808524771 583,733 23,787 SH SOLE 0 23,787 0 0
SCHWAB FUNDAMENTAL INTERNATIONAL EQUITY ETF ETF 808524755 623,872 15,589 SH SOLE 0 15,589 0 0
ISHARES SHORT DURATION BOND ACTIVE ETF ETF 46431W507 885,614 17,331 SH SOLE 0 17,331 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 926,619 1,492 SH SOLE 0 1,492 0 0
DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF ETF 25434V732 7,673,467 258,540 SH SOLE 0 258,540 0 0
VANGUARD MID-CAP VALUE ETF ETF 922908512 646,657 3,932 SH SOLE 0 3,932 0 0
LOCKHEED MARTIN CORP COM Stock 539830109 488,272 1,054 SH SOLE 0 1,054 0 0
JPMORGAN CHASE & CO. COM Stock 46625H100 1,321,751 4,559 SH SOLE 0 4,559 0 0
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 715,061 6,844 SH SOLE 0 6,844 0 0
PIMCO ENHANCED LOW DURATION ACTIVE ETF ETF 72201R718 679,243 7,088 SH SOLE 0 7,088 0 0
WALMART INC COM Stock 931142103 458,416 4,688 SH SOLE 0 4,688 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 3,774,404 12,804 SH SOLE 0 12,804 0 0
ORACLE CORP COM Stock 68389X105 356,981 1,633 SH SOLE 0 1,632 0 0
3M CO COM Stock 88579Y101 202,175 1,328 SH SOLE 0 1,328 0 0
KLA CORP COM NEW Stock 482480100 217,102 242 SH SOLE 0 242 0 0
SCHWAB FUNDAMENTAL U.S. BROAD MARKET ETF ETF 808524789 347,326 14,484 SH SOLE 0 14,484 0 0
GILEAD SCIENCES INC COM Stock 375558103 616,571 5,561 SH SOLE 0 5,561 0 0
ALPHABET INC CAP STK CL C Stock 02079K107 391,855 2,209 SH SOLE 0 2,209 0 0
AMGEN INC COM Stock 031162100 354,239 1,269 SH SOLE 0 1,268 0 0
APPLIED MATLS INC COM Stock 038222105 294,827 1,610 SH SOLE 0 1,610 0 0
WISDOMTREE INTERNATIONAL HEDGED QUALITY DIVIDEND GROWTH FUND ETF 97717X594 217,267 4,823 SH SOLE 0 4,822 0 0
ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613 1,805,466 39,054 SH SOLE 0 39,054 0 0
LAM RESEARCH CORP COM NEW Stock 512807306 580,289 5,961 SH SOLE 0 5,961 0 0
PHILIP MORRIS INTL INC COM Stock 718172109 371,446 2,039 SH SOLE 0 2,039 0 0
FIDELITY TOTAL BOND ETF ETF 316188309 1,571,147 34,342 SH SOLE 0 34,342 0 0
ALTRIA GROUP INC COM Stock 02209S103 251,795 4,295 SH SOLE 0 4,294 0 0
EXXON MOBIL CORP COM Stock 30231G102 533,631 4,950 SH SOLE 0 4,950 0 0
SCHWAB CHARLES CORP COM Stock 808513105 482,170 5,285 SH SOLE 0 5,284 0 0
BLACKROCK INC COM Stock 09290D101 409,726 390 SH SOLE 0 390 0 0
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746 714,563 14,574 SH SOLE 0 14,574 0 0
APPLE INC COM Stock 037833100 3,699,252 18,030 SH SOLE 0 18,030 0 0