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
Estimated average burden
hours per response: 23.8
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 224,211 891 SH SOLE 0 0 891
ADVANCED MICRO DEVICES INC COM 007903107 1,622,482 2,793 SH SOLE 0 0 2,793
ALPHABET INC CAP STK CL C 02079K107 2,236,634 6,330 SH SOLE 0 0 6,330
ALPHABET INC CAP STK CL A 02079K305 1,647,534 4,610 SH SOLE 0 0 4,610
AMAZON COM INC COM 023135106 1,571,614 6,594 SH SOLE 0 0 6,594
AMERICAN EXPRESS CO COM 025816109 334,191 988 SH SOLE 0 0 988
AMERIPRISE FINL INC COM 03076C106 252,777 551 SH SOLE 0 0 551
AMPHENOL CORP CL A 032095101 1,286,431 7,296 SH SOLE 0 0 7,296
ANALOG DEVICES INC COM 032654105 446,022 1,123 SH SOLE 0 0 1,123
APPLE INC COM 037833100 3,728,634 12,886 SH SOLE 0 0 12,886
APPLIED MATLS INC COM 038222105 561,048 776 SH SOLE 0 0 776
ASML HLDG NV N Y REGISTRY SHS N07059210 411,814 207 SH SOLE 0 0 207
ASTRAZENECA PLC ORD G0593M107 338,851 1,787 SH SOLE 0 0 1,787
BANK OF AMER CORP COM 060505104 390,035 6,845 SH SOLE 0 0 6,845
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 262,705 525 SH SOLE 0 0 525
BLOOM ENERGY CORP COM CL A 093712107 201,598 666 SH SOLE 0 0 666
BROADCOM INC COM 11135F101 717,886 1,900 SH SOLE 0 0 1,900
CATERPILLAR INC COM 149123101 537,775 505 SH SOLE 0 0 505
CHEVRON CORPORATION COM 166764100 240,020 1,448 SH SOLE 0 0 1,448
CISCO SYS INC COM 17275R102 379,983 3,235 SH SOLE 0 0 3,235
CITIGROUP INC COM NEW 172967424 286,918 2,050 SH SOLE 0 0 2,050
CONSTELLATION ENERGY CORP COM 21037T109 700,652 2,821 SH SOLE 0 0 2,821
COSTCO WHOLESALE CORPORATION COM 22160K105 883,084 944 SH SOLE 0 0 944
CUMMINS INC COM 231021106 316,665 444 SH SOLE 0 0 444
DANAHER CORP DEL COM 235851102 292,006 1,533 SH SOLE 0 0 1,533
DELL TECHNOLOGIES INC CL C 24703L202 289,510 671 SH SOLE 0 0 671
DEXCOM INC COM 252131107 267,447 3,971 SH SOLE 0 0 3,971
DRAFTKINGS INC NEW COM CL A 26142V105 1,304,452 51,641 SH SOLE 0 0 51,641
EATON CORP PLC SHS G29183103 229,679 539 SH SOLE 0 0 539
ELI LILLY & CO COM 532457108 369,424 308 SH SOLE 0 0 308
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 219,880 11,500 SH SOLE 0 0 11,500
EXELON CORP COM 30161N101 366,713 7,866 SH SOLE 0 0 7,866
EXXON MOBIL CORP COM 30231G102 630,553 4,612 SH SOLE 0 0 4,612
GE AEROSPACE COM NEW 369604301 351,474 940 SH SOLE 0 0 940
GILEAD SCIENCES INC COM 375558103 294,331 2,330 SH SOLE 0 0 2,330
GOLDMAN SACHS GROUP INC COM 38141G104 223,513 221 SH SOLE 0 0 221
HOME DEPOT INC COM 437076102 226,773 643 SH SOLE 0 0 643
INTERNATIONAL BUSINESS MACHS COM 459200101 312,424 1,111 SH SOLE 0 0 1,111
INTUITIVE SURGICAL INC COM NEW 46120E602 455,344 1,145 SH SOLE 0 0 1,145
INVESCO QQQ TR UNIT SER 1 46090E103 2,744,138 3,726 SH SOLE 0 0 3,726
ISHARES INC MSCI GBL MIN VOL 464286525 267,031 2,221 SH SOLE 0 0 2,221
ISHARES INC CORE MSCI EMKT 46434G103 21,302,899 257,157 SH SOLE 0 0 257,157
ISHARES TR S&P 500 VAL ETF 464287408 483,184 2,128 SH SOLE 0 0 2,128
ISHARES TR RUS 2000 GRW ETF 464287648 1,580,420 4,012 SH SOLE 0 0 4,012
ISHARES TR S&P 500 GRWT ETF 464287309 516,288 3,754 SH SOLE 0 0 3,754
ISHARES TR RUS 2000 VAL ETF 464287630 1,703,745 7,702 SH SOLE 0 0 7,702
ISHARES TR NATIONAL MUN ETF 464288414 12,247,723 113,805 SH SOLE 0 0 113,805
ISHARES TR CORE MSCI INTL 46435G326 38,606,944 433,737 SH SOLE 0 0 433,737
ISHARES TR MSCI USA MIN ETF 46429B697 868,815 9,007 SH SOLE 0 0 9,007
ISHARES TR CORE MSCI EAFE 46432F842 13,883,340 143,750 SH SOLE 0 0 143,750
ISHARES TR SHRT NAT MUN ETF 464288158 555,667 5,219 SH SOLE 0 0 5,219
ISHARES TR MSCI EAFE MIN VL 46429B689 301,547 3,438 SH SOLE 0 0 3,438
JOHNSON & JOHNSON COM 478160104 429,463 1,691 SH SOLE 0 0 1,691
JPMORGAN CHASE & CO COM 46625H100 873,959 2,670 SH SOLE 0 0 2,670
KAYNE ANDERSON BDC INC COM SHS 48662X105 201,611 14,901 SH SOLE 0 0 14,901
LAM RESEARCH CORP COM NEW 512807306 327,164 755 SH SOLE 0 0 755
MARATHON PETE CORP COM 56585A102 400,379 1,566 SH SOLE 0 0 1,566
MASTERCARD INCORPORATED CL A 57636Q104 725,717 1,413 SH SOLE 0 0 1,413
MERCK & CO INC COM 58933Y105 342,324 2,664 SH SOLE 0 0 2,664
META PLATFORMS INC CL A 30303M102 641,708 1,139 SH SOLE 0 0 1,139
MICRON TECHNOLOGY INC COM 595112103 587,534 509 SH SOLE 0 0 509
MICROSOFT CORP COM 594918104 1,792,685 4,806 SH SOLE 0 0 4,806
NVIDIA CORPORATION COM 67066G104 1,694,503 8,469 SH SOLE 0 0 8,469
NXP SEMICONDUCTORS N V COM N6596X109 243,934 868 SH SOLE 0 0 868
PHILIP MORRIS INTL INC COM 718172109 341,015 1,885 SH SOLE 0 0 1,885
PNC FINL SVCS GROUP INC COM 693475105 218,397 887 SH SOLE 0 0 887
POPULAR INC COM NEW 733174700 1,019,065 6,207 SH SOLE 0 0 6,207
SALESFORCE INC COM 79466L302 236,561 1,510 SH SOLE 0 0 1,510
SANDISK CORP COM 80004C200 263,753 116 SH SOLE 0 0 116
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 46,773,065 1,382,183 SH SOLE 0 0 1,382,183
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,517,390 51,559 SH SOLE 0 0 51,559
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 330,869 9,158 SH SOLE 0 0 9,158
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,208,427 50,059 SH SOLE 0 0 50,059
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 41,636,449 1,196,106 SH SOLE 0 0 1,196,106
SLM CORP COM 78442P106 208,428 8,035 SH SOLE 0 0 8,035
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 438,847 8,709 SH SOLE 0 0 8,709
SPDR SERIES TRUST ST PORT HIGH ETF 78468R606 2,744,350 117,080 SH SOLE 0 0 117,080
SPDR SERIES TRUST ST NUVE HIGH ETF 78464A284 371,679 14,610 SH SOLE 0 0 14,610
STATE STR CORP COM 857477103 200,976 1,185 SH SOLE 0 0 1,185
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 772,708 1,618 SH SOLE 0 0 1,618
TESLA INC COM 88160R101 1,410,272 3,353 SH SOLE 0 0 3,353
THERMO FISHER SCIENTIFIC INC COM 883556102 212,577 424 SH SOLE 0 0 424
VALERO ENERGY CORP COM 91913Y100 260,961 1,002 SH SOLE 0 0 1,002
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 2,025,831 79,258 SH SOLE 0 0 79,258
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 4,797,416 93,136 SH SOLE 0 0 93,136
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 22,063,808 300,556 SH SOLE 0 0 300,556
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 5,078,387 104,860 SH SOLE 0 0 104,860
VANGUARD INDEX FDS SML CP GRW ETF 922908595 15,199,359 41,562 SH SOLE 0 0 41,562
VANGUARD INDEX FDS SM CP VAL ETF 922908611 13,978,575 57,527 SH SOLE 0 0 57,527
VANGUARD INDEX FDS GROWTH ETF 922908736 29,891,259 347,008 SH SOLE 0 0 347,008
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,350,534 4,878 SH SOLE 0 0 4,878
VANGUARD INDEX FDS VALUE ETF 922908744 30,295,821 139,016 SH SOLE 0 0 139,016
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,137,793 19,062 SH SOLE 0 0 19,062
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 2,774,104 55,228 SH SOLE 0 0 55,228
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 776,359 15,349 SH SOLE 0 0 15,349
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 8,811,355 123,668 SH SOLE 0 0 123,668
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 1,925,135 28,631 SH SOLE 0 0 28,631
VISA INC COM CL A 92826C839 755,827 2,203 SH SOLE 0 0 2,203
WALMART INC COM 931142103 293,796 2,594 SH SOLE 0 0 2,594
WELLS FARGO & CO COM 949746101 267,258 3,234 SH SOLE 0 0 3,234