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
3M CO COM 88579Y101 435,297 2,689 SH SOLE 0 0 2,689
ALPHABET INC CAP STK CL A 02079K305 1,222,743 3,422 SH SOLE 0 0 3,422
ALPHABET INC CAP STK CL C 02079K107 1,016,361 2,877 SH SOLE 0 0 2,877
AMAZON COM INC COM 023135106 1,861,284 7,809 SH SOLE 0 0 7,809
APPLE INC COM 037833100 1,029,152 3,557 SH SOLE 0 0 3,557
APPLIED MATLS INC COM 038222105 507,546 702 SH SOLE 0 0 702
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,005,622 8,005 SH SOLE 0 0 8,005
BROADCOM INC COM 11135F101 1,794,431 4,750 SH SOLE 0 0 4,750
CROWDSTRIKE HLDGS INC CL A 22788C105 670,800 879 SH SOLE 0 0 879
DELL TECHNOLOGIES INC CL C 24703L202 977,688 2,266 SH SOLE 0 0 2,266
ECOLAB INC COM 278865100 330,989 1,188 SH SOLE 0 0 1,188
ENOVIX CORPORATION COM 293594107 96,574 15,910 SH SOLE 0 0 15,910
IMPAX FUNDS SERIES TRUST I GLOB SUS INF ETF 704223387 330,656 12,689 SH SOLE 0 0 12,689
INVESCO QQQ TR UNIT SER 1 46090E103 824,656 1,120 SH SOLE 0 0 1,120
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142 510,294 7,387 SH SOLE 0 0 7,387
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297 275,720 9,918 SH SOLE 0 0 9,918
ISHARES INC MSCI EMRG CHN 46434G764 825,608 8,070 SH SOLE 0 0 8,070
ISHARES INC CORE MSCI EMKT 46434G103 2,733,947 33,003 SH SOLE 0 0 33,003
ISHARES TR IBOXX INV CP ETF 464287242 1,911,169 17,522 SH SOLE 0 0 17,522
ISHARES TR CONV BD ETF 46435G102 753,449 6,189 SH SOLE 0 0 6,189
ISHARES TR CORE S&P TTL STK 464287150 576,482 3,509 SH SOLE 0 0 3,509
ISHARES TR CORE US AGGBD ET 464287226 5,955,033 60,164 SH SOLE 0 0 60,164
ISHARES TR RUS MDCP VAL ETF 464287473 35,621,013 216,410 SH SOLE 0 0 216,410
ISHARES TR S&P 500 GRWT ETF 464287309 6,077,726 44,192 SH SOLE 0 0 44,192
ISHARES TR RUS 1000 ETF 464287622 668,714 1,633 SH SOLE 0 0 1,633
ISHARES TR RUS 1000 GRW ETF 464287614 656,983 5,291 SH SOLE 0 0 5,291
ISHARES TR US AER DEF ETF 464288760 476,720 1,967 SH SOLE 0 0 1,967
ISHARES TR 0-3 MTH TREASURY 46436E718 1,663,874 16,528 SH SOLE 0 0 16,528
ISHARES TR US OIL EQ&SV ETF 464288844 212,591 7,903 SH SOLE 0 0 7,903
ISHARES TR GL CLEAN ENE ETF 464288224 375,151 18,309 SH SOLE 0 0 18,309
ISHARES TR CORE MSCI TOTAL 46432F834 285,079 2,987 SH SOLE 0 0 2,987
ISHARES TR CORE S&P SCP ETF 464287804 844,181 5,692 SH SOLE 0 0 5,692
ISHARES TR U.S. FINLS ETF 464287788 865,283 6,786 SH SOLE 0 0 6,786
ISHARES TR MSCI USA QLT FCT 46432F339 1,527,556 6,961 SH SOLE 0 0 6,961
ISHARES TR EAFE SML CP ETF 464288273 287,040 3,489 SH SOLE 0 0 3,489
ISHARES TR 0-5 YR TIPS ETF 46429B747 204,729 2,004 SH SOLE 0 0 2,004
ISHARES TR CORE UNIVRSL USD 46434V613 1,930,085 41,822 SH SOLE 0 0 41,822
ISHARES TR NATIONAL MUN ETF 464288414 2,018,736 18,758 SH SOLE 0 0 18,758
ISHARES TR SHRT NAT MUN ETF 464288158 266,281 2,501 SH SOLE 0 0 2,501
ISHARES TR TIPS BD ETF 464287176 310,781 2,840 SH SOLE 0 0 2,840
ISHARES TR CORE S&P500 ETF 464287200 252,517 337 SH SOLE 0 0 337
ISHARES TR S&P 500 VAL ETF 464287408 12,332,830 54,315 SH SOLE 0 0 54,315
ISHARES TR RUS MID CAP ETF 464287499 5,460,703 49,499 SH SOLE 0 0 49,499
ISHARES TR CORE S&P MCP ETF 464287507 3,647,843 47,307 SH SOLE 0 0 47,307
ISHARES TR RUSSELL 2000 ETF 464287655 11,096,322 36,932 SH SOLE 0 0 36,932
ISHARES TR CORE MSCI EAFE 46432F842 21,889,312 226,644 SH SOLE 0 0 226,644
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 27,629,447 546,360 SH SOLE 0 0 546,360
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 5,728,626 112,326 SH SOLE 0 0 112,326
JPMORGAN CHASE & CO COM 46625H100 365,628 1,117 SH SOLE 0 0 1,117
KRANESHARES TRUST CSI CHI INTERNET 500767306 236,967 9,684 SH SOLE 0 0 9,684
LIFE TIME GROUP HOLDINGS INC COMMON STOCK 53190C102 648,825 15,887 SH SOLE 0 0 15,887
META PLATFORMS INC CL A 30303M102 390,360 693 SH SOLE 0 0 693
MICROSOFT CORP COM 594918104 835,239 2,239 SH SOLE 0 0 2,239
NVIDIA CORPORATION COM 67066G104 4,552,620 22,753 SH SOLE 0 0 22,753
PGIM ETF TR ULTR SHO MUN ETF 69344A768 605,383 12,008 SH SOLE 0 0 12,008
PHILIP MORRIS INTL INC COM 718172109 271,365 1,500 SH SOLE 0 0 1,500
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 1,093,555 20,590 SH SOLE 0 0 20,590
SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308 211,662 2,548 SH SOLE 0 0 2,548
SELECT SECTOR SPDR TR ST STR SVC ETF 81369Y852 224,116 2,092 SH SOLE 0 0 2,092
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 1,018,818 6,421 SH SOLE 0 0 6,421
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 2,093,343 10,988 SH SOLE 0 0 10,988
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 19,907,132 384,456 SH SOLE 0 0 384,456
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 2,834,629 30,932 SH SOLE 0 0 30,932
SPDR SERIES TRUST ST STR SP600SM C 78464A300 11,054,127 101,312 SH SOLE 0 0 101,312
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 681,054 912 SH SOLE 0 0 912
TESLA INC COM 88160R101 1,076,169 2,559 SH SOLE 0 0 2,559
UBER TECHNOLOGIES INC COM 90353T100 267,786 3,711 SH SOLE 0 0 3,711
UNITEDHEALTH GROUP INC COM 91324P102 1,070,601 2,576 SH SOLE 0 0 2,576
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 200,702 306 SH SOLE 0 0 306
VANGUARD INDEX FDS SMALL CP ETF 922908751 903,904 2,982 SH SOLE 0 0 2,982
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,732,574 7,385 SH SOLE 0 0 7,385
VANGUARD INDEX FDS VALUE ETF 922908744 68,432,577 314,012 SH SOLE 0 0 314,012
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 6,288,218 65,210 SH SOLE 0 0 65,210
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 816,186 3,315 SH SOLE 0 0 3,315
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,778,151 2,589 SH SOLE 0 0 2,589
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 4,787,023 24,226 SH SOLE 0 0 24,226
VANGUARD INDEX FDS LARGE CAP ETF 922908637 851,521 2,476 SH SOLE 0 0 2,476
VANGUARD INDEX FDS GROWTH ETF 922908736 1,363,011 15,823 SH SOLE 0 0 15,823
VANGUARD INDEX FDS SM CP VAL ETF 922908611 978,457 4,027 SH SOLE 0 0 4,027
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,725,819 28,913 SH SOLE 0 0 28,913
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 3,725,131 83,058 SH SOLE 0 0 83,058
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 236,371 1,506 SH SOLE 0 0 1,506
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 321,119 3,834 SH SOLE 0 0 3,834
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 4,126,014 26,742 SH SOLE 0 0 26,742
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 18,044,102 359,230 SH SOLE 0 0 359,230
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 3,811,203 75,350 SH SOLE 0 0 75,350
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 1,253,821 10,326 SH SOLE 0 0 10,326
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 2,223,613 20,916 SH SOLE 0 0 20,916
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 87,221,988 682,435 SH SOLE 0 0 682,435
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 5,683,722 16,780 SH SOLE 0 0 16,780
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,157,962 13,545 SH SOLE 0 0 13,545
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 4,706,526 66,057 SH SOLE 0 0 66,057
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 208,600 1,320 SH SOLE 0 0 1,320
VANGUARD WORLD FD COMM SRVC ETF 92204A884 1,087,454 5,912 SH SOLE 0 0 5,912
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 835,733 2,795 SH SOLE 0 0 2,795
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 582,620 1,469 SH SOLE 0 0 1,469
VANGUARD WORLD FD INF TECH ETF 92204A702 3,904,957 32,672 SH SOLE 0 0 32,672
VISA INC COM CL A 92826C839 315,533 920 SH SOLE 0 0 920