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
ABRDN ETFS BBRG ALL COMD K1 003261104 6,909,114 284,443 SH SOLE 1,786 0 282,657
ABRDN ETFS BBRG ALL COMMDY 003261203 1,056,579 29,530 SH SOLE 0 0 29,530
APPLE INC COM 037833100 273,078 1,076 SH SOLE 0 0 1,076
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 346,560 7,199 SH SOLE 199 0 7,000
BERKSHIRE HATHAWAY INC DEL CL A 084670108 718,140 1 SH SOLE 0 0 1
BROADCOM INC COM 11135F101 306,415 990 SH SOLE 0 0 990
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 480,859 11,389 SH SOLE 366 0 11,023
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 304,648 8,997 SH SOLE 0 0 8,997
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 219,619 5,637 SH SOLE 0 0 5,637
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 264,692 3,733 SH SOLE 0 0 3,733
GENELUX CORPORATION COM 36870H103 24,200 10,000 SH SOLE 0 0 10,000
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142 5,159,162 77,164 SH SOLE 1,227 0 75,937
INVESCO QQQ TR UNIT SER 1 46090E103 217,020 376 SH SOLE 0 0 376
ISHARES INC CORE MSCI EMKT 46434G103 2,552,994 36,602 SH SOLE 0 0 36,602
ISHARES TR 1 3 YR TREAS BD 464287457 1,731,669 20,972 SH SOLE 0 0 20,972
ISHARES TR BROAD USD HIGH 46435U853 1,032,834 28,036 SH SOLE 342 0 27,694
ISHARES TR CORE INTL AGGR 46435G672 3,761,845 75,177 SH SOLE 0 0 75,177
ISHARES TR CORE MSCI EAFE 46432F842 514,770 5,686 SH SOLE 65 0 5,621
ISHARES TR CORE MSCI INTL 46435G326 4,894,576 58,569 SH SOLE 1,375 0 57,194
ISHARES TR CORE S&P MCP ETF 464287507 1,100,036 16,290 SH SOLE 1,585 0 14,705
ISHARES TR CORE S&P500 ETF 464287200 335,846 514 SH SOLE 0 0 514
ISHARES TR ESG MSCI KLD 400 464288570 335,244 2,766 SH SOLE 2,430 0 336
ISHARES TR ESG OPTIMIZED 464288802 322,573 2,442 SH SOLE 2,132 0 310
ISHARES TR IBOXX HI YD ETF 464288513 2,375,891 29,863 SH SOLE 313 0 29,550
ISHARES TR RUS 1000 GRW ETF 464287614 3,895,151 9,135 SH SOLE 162 0 8,973
ISHARES TR RUS 1000 VAL ETF 464287598 2,697,366 12,624 SH SOLE 188 0 12,436
ISHARES TR RUS 2000 GRW ETF 464287648 1,187,127 3,783 SH SOLE 41 0 3,742
ISHARES TR RUS 2000 VAL ETF 464287630 1,021,849 5,390 SH SOLE 54 0 5,336
ISHARES TR RUS MD CP GR ETF 464287481 1,752,605 13,679 SH SOLE 108 0 13,571
ISHARES TR RUS MDCP VAL ETF 464287473 1,153,272 7,913 SH SOLE 70 0 7,843
ISHARES TR RUS MID CAP ETF 464287499 283,134 2,912 SH SOLE 0 0 2,912
ISHARES TR RUSSELL 2000 ETF 464287655 457,808 1,846 SH SOLE 0 0 1,846
ISHARES TR S&P 500 GRWT ETF 464287309 1,996,428 17,650 SH SOLE 0 0 17,650
ISHARES TR S&P 500 VAL ETF 464287408 1,499,657 7,102 SH SOLE 0 0 7,102
ISHARES TR S&P SML 600 GWT 464287887 632,994 4,374 SH SOLE 359 0 4,015
ISHARES TR SP SMCP600VL ETF 464287879 802,800 6,778 SH SOLE 458 0 6,320
ISHARES TR TIPS BD ETF 464287176 2,618,990 23,731 SH SOLE 361 0 23,370
ISHARES TR U.S. REAL ES ETF 464287739 2,158,808 22,830 SH SOLE 289 0 22,541
JPMORGAN CHASE & CO COM 46625H100 262,685 893 SH SOLE 0 0 893
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,170,174 54,452 SH SOLE 0 0 54,452
SCHWAB STRATEGIC TR US TIPS ETF 808524870 901,232 33,868 SH SOLE 0 0 33,868
SPDR SERIES TRUST STATE STREET SPD 78464A607 265,262 2,627 SH SOLE 0 0 2,627
SPDR SERIES TRUST STATE STREET SPD 78468R606 2,365,296 101,428 SH SOLE 0 0 101,428
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 381,201 5,177 SH SOLE 0 0 5,177
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 4,486,013 93,361 SH SOLE 995 0 92,366
VANGUARD INDEX FDS GROWTH ETF 922908736 1,816,292 4,158 SH SOLE 0 0 4,158
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 3,318,196 12,894 SH SOLE 119 0 12,775
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 4,062,380 22,045 SH SOLE 205 0 21,840
VANGUARD INDEX FDS SM CP VAL ETF 922908611 3,774,665 17,375 SH SOLE 176 0 17,199
VANGUARD INDEX FDS SML CP GRW ETF 922908595 4,115,603 13,617 SH SOLE 99 0 13,518
VANGUARD INDEX FDS TOTAL STK MKT 922908769 432,664 1,349 SH SOLE 0 0 1,349
VANGUARD INDEX FDS VALUE ETF 922908744 2,221,582 11,323 SH SOLE 0 0 11,323
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 830,649 11,061 SH SOLE 0 0 11,061
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,699,458 105,448 SH SOLE 898 0 104,550
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 497,257 9,955 SH SOLE 0 0 9,955
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 426,989 8,559 SH SOLE 0 0 8,559
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 495,553 8,322 SH SOLE 938 0 7,384
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 732,929 12,520 SH SOLE 1,109 0 11,411
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 564,332 7,119 SH SOLE 523 0 6,596
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 204,247 2,039 SH SOLE 0 0 2,039
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 16,263,164 253,794 SH SOLE 2,426 0 251,368
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 11,609,744 80,095 SH SOLE 143 0 79,952
VANGUARD WORLD FD MEGA GRWTH IND 921910816 10,891,654 29,642 SH SOLE 67 0 29,575