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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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
AMAZON COM INC COM 023135106 2,223,474 9,329 SH SOLE 0 0 9,329
INVESCO QQQ TR UNIT SER 1 46090E103 11,263,138 15,295 SH SOLE 0 0 15,295
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 1,352,046 7,097 SH SOLE 0 0 7,097
JOHNSON & JOHNSON COM 478160104 563,050 2,217 SH SOLE 0 0 2,217
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,253,338 3,387 SH SOLE 0 0 3,387
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 3,458,269 14,046 SH SOLE 0 0 14,046
VANGUARD WORLD FD ENERGY ETF 92204A306 282,675 1,883 SH SOLE 0 0 1,883
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 1,173,615 12,568 SH SOLE 0 0 12,568
PROCTER & GAMBLE CO COM 742718109 407,181 2,777 SH SOLE 0 0 2,777
COCA COLA CO COM 191216100 293,629 3,613 SH SOLE 0 0 3,613
MARRIOTT INTL INC NEW CL A 571903202 208,129 562 SH SOLE 0 0 562
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,252,924 12,993 SH SOLE 0 0 12,993
ISHARES TR ESG OPTIMIZED 464288802 572,969 3,713 SH SOLE 0 0 3,713
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 565,715 1,083 SH SOLE 0 0 1,083
ISHARES TR ESG AW MSCI EAFE 46435G516 419,649 4,082 SH SOLE 0 0 4,082
ISHARES INC MSCI SWITZERLAND 464286749 224,374 3,570 SH SOLE 0 0 3,570
ISHARES TR SHRT NAT MUN ETF 464288158 402,882 3,784 SH SOLE 0 0 3,784
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 3,831,624 5,131 SH SOLE 0 0 5,131
BANK OF NY MELLON CORP COM 064058100 872,866 6,036 SH SOLE 0 0 6,036
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 926,550 6,005 SH SOLE 0 0 6,005
ISHARES TR 1 3 YR TREAS BD 464287457 1,158,838 14,113 SH SOLE 0 0 14,113
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 247,466 4,748 SH SOLE 0 0 4,748
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 411,582 3,516 SH SOLE 0 0 3,516
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 237,987 4,761 SH SOLE 0 0 4,761
GLOBAL X FDS US INFR DEV ETF 37954Y673 344,284 5,843 SH SOLE 0 0 5,843
ISHARES TR ESG AWRE USD ETF 46435G193 227,507 9,827 SH SOLE 0 0 9,827
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,079,068 29,866 SH SOLE 0 0 29,866
ISHARES TR RUS 1000 GRW ETF 464287614 854,683 6,883 SH SOLE 0 0 6,883
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7,293,531 263,304 SH SOLE 0 0 263,304
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 343,271 11,664 SH SOLE 0 0 11,664
SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308 283,518 3,413 SH SOLE 0 0 3,413
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 10,382,415 306,809 SH SOLE 0 0 306,809
ISHARES TR CORE S&P SCP ETF 464287804 230,064 1,551 SH SOLE 0 0 1,551
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 977,762 1,954 SH SOLE 0 0 1,954
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 343,460 9,472 SH SOLE 0 0 9,472
ALPHABET INC CAP STK CL A 02079K305 1,944,093 5,440 SH SOLE 0 0 5,440
ISHARES TR US INFRASTRUC 46435U713 1,916,626 30,403 SH SOLE 0 0 30,403
MICROSOFT CORP COM 594918104 1,198,561 3,213 SH SOLE 0 0 3,213
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 409,852 6,949 SH SOLE 0 0 6,949
VANGUARD WORLD FD ESG INTL STK ETF 921910725 1,069,561 12,990 SH SOLE 0 0 12,990
VANGUARD WORLD FD ESG US STK ETF 921910733 419,248 3,170 SH SOLE 0 0 3,170
VANGUARD INDEX FDS SMALL CP ETF 922908751 5,582,347 18,416 SH SOLE 0 0 18,416
VANGUARD INDEX FDS MID CAP ETF 922908629 10,210,385 126,727 SH SOLE 0 0 126,727
VANGUARD INDEX FDS LARGE CAP ETF 922908637 200,614 583 SH SOLE 0 0 583
ISHARES TR ESG AWR US AGRGT 46435U549 233,161 4,918 SH SOLE 0 0 4,918
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 1,257,044 4,204 SH SOLE 0 0 4,204
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 3,900,520 72,757 SH SOLE 0 0 72,757
OGE ENERGY CORP COM 670837103 307,288 6,315 SH SOLE 0 0 6,315
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 465,874 5,262 SH SOLE 0 0 5,262
VANGUARD WORLD FD INF TECH ETF 92204A702 333,752 2,792 SH SOLE 0 0 2,792
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 5,674,648 163,018 SH SOLE 0 0 163,018
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 9,097,294 13,246 SH SOLE 0 0 13,246
VANGUARD WORLD FD COMM SRVC ETF 92204A884 648,445 3,525 SH SOLE 0 0 3,525
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 1,058,864 1,505 SH SOLE 0 0 1,505
ISHARES TR RUS TP200 GR ETF 464289438 235,216 809 SH SOLE 0 0 809
ISHARES TR CYBERSECURITY 46435U135 598,004 9,850 SH SOLE 0 0 9,850
ELI LILLY & CO COM 532457108 1,348,159 1,124 SH SOLE 0 0 1,124
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,202,556 59,738 SH SOLE 0 0 59,738
VANGUARD STAR FDS VG TL INTL STK F 921909768 6,732,476 78,752 SH SOLE 0 0 78,752
ISHARES TR RUSSELL 2000 ETF 464287655 621,098 2,067 SH SOLE 0 0 2,067
MICRON TECHNOLOGY INC COM 595112103 931,512 807 SH SOLE 0 0 807
ISHARES TR US AER DEF ETF 464288760 1,305,767 5,386 SH SOLE 0 0 5,386
ISHARES TR SELECT DIVID ETF 464287168 966,595 6,184 SH SOLE 0 0 6,184
VANGUARD INDEX FDS SM CP VAL ETF 922908611 4,401,460 18,114 SH SOLE 0 0 18,114
ISHARES TR ESG EAFE ETF 46436E759 1,694,617 20,031 SH SOLE 0 0 20,031
ISHARES TR ESG MSCI USA ETF 46436E767 342,462 4,931 SH SOLE 0 0 4,931
ISHARES TR EAFE VALUE ETF 464288877 3,677,852 48,045 SH SOLE 0 0 48,045
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,535,828 5,014 SH SOLE 0 0 5,014
SPDR SERIES TRUST ST STR SW SERV 78464A599 329,871 1,920 SH SOLE 0 0 1,920
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,808,801 120,114 SH SOLE 0 0 120,114
VANECK ETF TRUST PHARMACEUTCL ETF 92189F692 628,213 5,745 SH SOLE 0 0 5,745
ISHARES TR MSCI EAFE MIN VL 46429B689 234,712 2,676 SH SOLE 0 0 2,676
ISHARES TR MSCI USA MIN ETF 46429B697 530,602 5,501 SH SOLE 0 0 5,501
DIREXION SHARES ETF TRUST NASDAQ 100 EQ WT 25459Y207 1,953,389 16,010 SH SOLE 0 0 16,010
VANGUARD INDEX FDS SML CP GRW ETF 922908595 4,811,183 13,156 SH SOLE 0 0 13,156
VANGUARD INDEX FDS VALUE ETF 922908744 36,828,905 168,994 SH SOLE 0 0 168,994
VANGUARD INDEX FDS GROWTH ETF 922908736 34,013,429 394,862 SH SOLE 0 0 394,862
META PLATFORMS INC CL A 30303M102 353,746 628 SH SOLE 0 0 628
CAPITAL GROUP GROWTH ETF SHS CREAT UNIT 14020G101 3,699,175 78,372 SH SOLE 0 0 78,372
CAPITAL GROUP DIVIDEND VALUE SHS CREAT UNIT 14020W106 1,157,440 23,487 SH SOLE 0 0 23,487
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 1,168,283 11,238 SH SOLE 0 0 11,238
RBB FD INC F/M US TREASURY 74933W452 1,191,272 23,892 SH SOLE 0 0 23,892
CAPITAL GRP FIXED INCM ETF T US MULTI-SECTOR 14020Y300 384,921 14,084 SH SOLE 0 0 14,084
ISHARES TR CORE MSCI EAFE 46432F842 2,360,246 24,438 SH SOLE 0 0 24,438
DIMENSIONAL ETF TRUST US LARG VALU ETF 25434V666 570,552 14,430 SH SOLE 0 0 14,430
NVIDIA CORPORATION COM 67066G104 358,981 1,794 SH SOLE 0 0 1,794
SPDR SERIES TRUST ST STR SP BIOT 78464A870 478,404 3,023 SH SOLE 0 0 3,023
ISHARES TR PARI ALI CLI ETF 46436E411 290,851 3,817 SH SOLE 0 0 3,817
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 3,366,554 45,860 SH SOLE 0 0 45,860
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,229,144 26,617 SH SOLE 0 0 26,617
T ROWE PRICE EXCHANGE-TRADED CAP APPRECIATION 87283Q867 1,422,540 34,612 SH SOLE 0 0 34,612
ISHARES TR RUS 2000 GRW ETF 464287648 325,813 827 SH SOLE 0 0 827
CAPITAL GROUP CORE BALANCED SHS 14021D107 416,546 10,973 SH SOLE 0 0 10,973
CAPITAL GROUP INTERNATIONAL SHS 14021M107 1,308,389 35,573 SH SOLE 0 0 35,573
MCDONALDS CORP COM 580135101 329,778 1,220 SH SOLE 0 0 1,220
CAPITAL GRP FIXED INCM ETF T CORE BOND ETF 14020Y508 397,400 15,180 SH SOLE 0 0 15,180
FIDELITY COVINGTON TRUST ENHANCED LARGE 31609A107 612,297 15,273 SH SOLE 0 0 15,273
FIDELITY COVINGTON TRUST ENHANCED LARGE 31609A305 1,697,575 38,802 SH SOLE 0 0 38,802
FIDELITY COVINGTON TRUST ENHANCED INTL 31609A404 3,536,044 88,115 SH SOLE 0 0 88,115
CISCO SYS INC COM 17275R102 322,780 2,748 SH SOLE 0 0 2,748
CAPITAL ONE FINL CORP COM 14040H105 407,259 2,030 SH SOLE 0 0 2,030
ISHARES TR ISHARES BIOTECH 464287556 452,406 2,379 SH SOLE 0 0 2,379
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 697,236 18,319 SH SOLE 0 0 18,319
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 3,901,128 125,438 SH SOLE 0 0 125,438
ISHARES TR MSCI USA QLT FCT 46432F339 5,805,359 26,457 SH SOLE 0 0 26,457
ISHARES TR S&P SML 600 GWT 464287887 401,363 2,247 SH SOLE 0 0 2,247
ISHARES TR U.S. TECH ETF 464287721 1,087,910 4,313 SH SOLE 0 0 4,313
SCHWAB STRATEGIC TR FUND EM EQUI ETF 808524730 414,715 10,451 SH SOLE 0 0 10,451
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 1,867,637 35,399 SH SOLE 0 0 35,399
ISHARES TR EXPANDED TECH 464287515 384,851 4,248 SH SOLE 0 0 4,248
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 551,119 7,134 SH SOLE 0 0 7,134
ISHARES TR CORE S&P500 ETF 464287200 3,336,032 4,455 SH SOLE 0 0 4,455
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,467,646 7,427 SH SOLE 0 0 7,427
LOCKHEED MARTIN CORP COM 539830109 482,968 948 SH SOLE 0 0 948
JPMORGAN CHASE & CO COM 46625H100 363,336 1,110 SH SOLE 0 0 1,110
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 597,748 11,544 SH SOLE 0 0 11,544
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 23,764,280 333,534 SH SOLE 0 0 333,534
SPDR SERIES TRUST ST STR SP DIV 78464A763 1,393,401 9,156 SH SOLE 0 0 9,156
WALMART INC COM 931142103 339,114 2,994 SH SOLE 0 0 2,994
ISHARES TR 3 7 YR TREAS BD 464288661 3,299,350 28,092 SH SOLE 0 0 28,092
INTERNATIONAL BUSINESS MACHS COM 459200101 2,169,926 7,716 SH SOLE 0 0 7,716
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,594,722 110,483 SH SOLE 0 0 110,483
TEXAS INSTRS INC COM 882508104 635,485 2,132 SH SOLE 0 0 2,132
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 3,674,500 23,252 SH SOLE 0 0 23,252
PFIZER INC COM 717081103 474,834 19,719 SH SOLE 0 0 19,719
ISHARES TR MSCI USA VALUE 46432F388 2,346,194 11,742 SH SOLE 0 0 11,742
ALPHABET INC CAP STK CL C 02079K107 1,904,222 5,389 SH SOLE 0 0 5,389
APPLIED MATLS INC COM 038222105 507,546 702 SH SOLE 0 0 702
ISHARES TR CORE S&P US VLU 464287663 208,184 1,890 SH SOLE 0 0 1,890
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 9,632,457 40,709 SH SOLE 0 0 40,709
ISHARES TR 7-10 YR TRSY BD 464287440 5,066,267 53,572 SH SOLE 0 0 53,572
ISHARES TR CORE US AGGBD ET 464287226 514,132 5,194 SH SOLE 0 0 5,194
ISHARES TR CORE DIV GRWTH 46434V621 1,027,106 13,552 SH SOLE 0 0 13,552
VANGUARD WELLESLEY INCOME FD WELLI DIVID ETF 921938403 706,352 11,308 SH SOLE 0 0 11,308
ISHARES TR SP SMCP600VL ETF 464287879 371,167 2,716 SH SOLE 0 0 2,716
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 284,309 3,649 SH SOLE 0 0 3,649
SPDR SERIES TRUST ST STR P500GRW 78464A409 362,715 3,048 SH SOLE 0 0 3,048
PHILIP MORRIS INTL INC COM 718172109 420,797 2,326 SH SOLE 0 0 2,326
VANGUARD WORLD FD MEGA CAP INDEX 921910873 294,664 1,077 SH SOLE 0 0 1,077
ALTRIA GROUP INC COM 02209S103 234,053 3,253 SH SOLE 0 0 3,253
EXXON MOBIL CORP COM 30231G102 506,548 3,705 SH SOLE 0 0 3,705
ISHARES TR MSCI INTL QUALTY 46434V456 4,715,515 95,167 SH SOLE 0 0 95,167
ISHARES TR CORE S&P MCP ETF 464287507 996,312 12,921 SH SOLE 0 0 12,921
APPLE INC COM 037833100 4,959,087 17,138 SH SOLE 0 0 17,138
ISHARES TR RUS 1000 VAL ETF 464287598 879,272 3,627 SH SOLE 0 0 3,627