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 417,890 2,581 SH SOLE 0 0 2,581
ALPHABET INC CAP STK CL A 02079K305 4,042,954 11,313 SH SOLE 0 0 11,313
ALPHABET INC CAP STK CL C 02079K107 776,315 2,197 SH SOLE 0 0 2,197
AMAZON COM INC COM 023135106 953,122 3,999 SH SOLE 0 0 3,999
ANALOG DEVICES INC COM 032654105 226,387 570 SH SOLE 0 0 570
APPLE INC COM 037833100 2,183,732 7,547 SH SOLE 0 0 7,547
BANK OF AMER CORP COM 060505104 384,729 6,752 SH SOLE 0 0 6,752
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,993,892 9,980 SH SOLE 0 0 9,980
BROADCOM INC COM 11135F101 496,741 1,315 SH SOLE 0 0 1,315
CARRIER GLOBAL CORPORATION COM 14448C104 226,798 3,092 SH SOLE 0 0 3,092
CATERPILLAR INC COM 149123101 319,470 300 SH SOLE 0 0 300
CHEVRON CORPORATION COM 166764100 1,439,388 8,684 SH SOLE 0 0 8,684
CORMEDIX INC COM 21900C308 1,008,741 128,502 SH SOLE 0 0 128,502
COSTCO WHOLESALE CORPORATION COM 22160K105 446,552 477 SH SOLE 0 0 477
DELL TECHNOLOGIES INC CL C 24703L202 1,136,897 2,635 SH SOLE 0 0 2,635
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 271,320 6,577 SH SOLE 0 0 6,577
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 4,554,264 113,262 SH SOLE 0 0 113,262
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 374,307 4,568 SH SOLE 0 0 4,568
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 313,670 7,071 SH SOLE 0 0 7,071
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 1,100,945 13,371 SH SOLE 0 0 13,371
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 464,843 12,476 SH SOLE 0 0 12,476
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 369,535 8,661 SH SOLE 0 0 8,661
DIMENSIONAL ETF TRUST US LARG VALU ETF 25434V666 577,384 14,603 SH SOLE 0 0 14,603
DUKE ENERGY CORP NEW COM NEW 26441C204 219,363 1,733 SH SOLE 0 0 1,733
ELI LILLY & CO COM 532457108 680,280 567 SH SOLE 0 0 567
EMERSON ELEC CO COM 291011104 200,410 1,400 SH SOLE 0 0 1,400
EXXON MOBIL CORP COM 30231G102 1,115,151 8,156 SH SOLE 0 0 8,156
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 8,296,253 182,375 SH SOLE 0 0 182,375
GE AEROSPACE COM NEW 369604301 858,981 2,298 SH SOLE 0 0 2,298
GE VERNOVA INC COM 36828A101 595,654 507 SH SOLE 0 0 507
GMO ETF TRUST US QUALITY ETF 90139K100 3,210,917 77,148 SH SOLE 0 0 77,148
GOLDMAN SACHS GROUP INC COM 38141G104 347,911 344 SH SOLE 0 0 344
INNOVATOR ETFS TRUST US EQTY BUFR JUL 45782C789 535,714 9,864 SH SOLE 0 0 9,864
INTERNATIONAL BUSINESS MACHS COM 459200101 428,002 1,522 SH SOLE 0 0 1,522
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 1,396,294 71,513 SH SOLE 0 0 71,513
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510 363,807 15,452 SH SOLE 0 0 15,452
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494 364,679 15,426 SH SOLE 0 0 15,426
INVESCO EXCH TRD SLF IDX FD BULSHS 2028 MUNI 46138J486 566,384 24,163 SH SOLE 0 0 24,163
INVESCO EXCH TRD SLF IDX FD BULETSHS 2029 46138J577 1,263,661 68,030 SH SOLE 0 0 68,030
INVESCO EXCH TRD SLF IDX FD BULSHS 2029 MUNI 46138J478 364,965 15,847 SH SOLE 0 0 15,847
INVESCO EXCH TRD SLF IDX FD INVSC 30 MUNI BD 46138J445 366,396 16,716 SH SOLE 0 0 16,716
INVESCO EXCH TRD SLF IDX FD INVSCO 30 CORP 46138J460 854,015 51,308 SH SOLE 0 0 51,308
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 1,669,388 81,973 SH SOLE 0 0 81,973
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783 1,433,339 73,074 SH SOLE 0 0 73,074
INVESCO EXCH TRD SLF IDX FD BULETSHS 2031 CP 46138J429 295,172 18,015 SH SOLE 0 0 18,015
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 3,512,906 16,510 SH SOLE 0 0 16,510
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 7,058,319 78,339 SH SOLE 0 0 78,339
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472 901,610 7,987 SH SOLE 0 0 7,987
INVESCO QQQ TR UNIT SER 1 46090E103 376,088 511 SH SOLE 0 0 511
ISHARES INC CORE MSCI EMKT 46434G103 516,413 6,234 SH SOLE 0 0 6,234
ISHARES TR CORE MSCI EAFE 46432F842 967,073 10,013 SH SOLE 0 0 10,013
ISHARES TR MSCI INTL MOMENT 46434V449 347,498 6,516 SH SOLE 0 0 6,516
ISHARES TR MSCI INTL QUALTY 46434V456 3,837,264 77,442 SH SOLE 0 0 77,442
ISHARES TR US SML CAP EQT 46434V290 9,616,688 107,883 SH SOLE 0 0 107,883
ISHARES TR ESG AW MSCI EAFE 46435G516 2,608,783 25,375 SH SOLE 0 0 25,375
ISHARES TR ESG AWR US AGRGT 46435U549 2,003,732 42,264 SH SOLE 0 0 42,264
ISHARES TR ESG SELECT SCRE 46436E569 416,940 7,342 SH SOLE 0 0 7,342
ISHARES TR CORE S&P MCP ETF 464287507 221,350 2,871 SH SOLE 0 0 2,871
ISHARES TR CORE S&P500 ETF 464287200 1,468,921 1,961 SH SOLE 0 0 1,961
ISHARES TR S&P 500 GRWT ETF 464287309 326,096 2,371 SH SOLE 0 0 2,371
ISHARES TR RUS 1000 VAL ETF 464287598 225,340 930 SH SOLE 0 0 930
ISHARES TR RUS 1000 GRW ETF 464287614 295,504 2,380 SH SOLE 0 0 2,380
ISHARES TR 1 3 YR TREAS BD 464287457 306,245 3,730 SH SOLE 0 0 3,730
ISHARES TR MSCI EAFE ETF 464287465 1,642,867 15,815 SH SOLE 0 0 15,815
ISHARES TR ISHS 1-5YR INVS 464288646 584,584 11,154 SH SOLE 0 0 11,154
ISHARES TR US AER DEF ETF 464288760 326,370 1,346 SH SOLE 0 0 1,346
ISHARES TR NATIONAL MUN ETF 464288414 937,835 8,714 SH SOLE 0 0 8,714
ISHARES TR SHRT NAT MUN ETF 464288158 1,311,750 12,320 SH SOLE 0 0 12,320
ISHARES TR EAFE VALUE ETF 464288877 1,802,969 23,553 SH SOLE 0 0 23,553
ISHARES TR EAFE GRWTH ETF 464288885 1,541,140 12,387 SH SOLE 0 0 12,387
ISHARES TR CORE US AGGBD ET 464287226 2,861,422 28,909 SH SOLE 0 0 28,909
ISHARES TR MSCI EMG MKT ETF 464287234 221,873 3,243 SH SOLE 0 0 3,243
JOHNSON & JOHNSON COM 478160104 454,156 1,788 SH SOLE 0 0 1,788
JPMORGAN CHASE & CO COM 46625H100 231,750 708 SH SOLE 0 0 708
MARSH & MCLENNAN COS INC COM 571748102 672,680 4,036 SH SOLE 0 0 4,036
MASTERCARD INCORPORATED CL A 57636Q104 230,093 448 SH SOLE 0 0 448
MERCK & CO INC COM 58933Y105 769,044 5,985 SH SOLE 0 0 5,985
META PLATFORMS INC CL A 30303M102 578,496 1,027 SH SOLE 0 0 1,027
MICROSOFT CORP COM 594918104 749,806 2,010 SH SOLE 0 0 2,010
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 497,980 4,254 SH SOLE 0 0 4,254
NVIDIA CORPORATION COM 67066G104 208,294 1,041 SH SOLE 0 0 1,041
PEPSICO INC COM 713448108 400,035 2,954 SH SOLE 0 0 2,954
PHILIP MORRIS INTL INC COM 718172109 918,299 5,076 SH SOLE 0 0 5,076
PROCTER & GAMBLE CO COM 742718109 348,563 2,377 SH SOLE 0 0 2,377
PUBLIC STORAGE COM 74460D109 202,326 636 SH SOLE 0 0 636
ROCKET LAB CORP COM 773121108 281,571 2,770 SH SOLE 0 0 2,770
RTX CORPORATION COM 75513E101 524,793 2,766 SH SOLE 0 0 2,766
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,087,818 39,271 SH SOLE 0 0 39,271
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 311,785 9,214 SH SOLE 0 0 9,214
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 496,264 15,650 SH SOLE 0 0 15,650
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 808,152 21,234 SH SOLE 0 0 21,234
SCHWAB STRATEGIC TR FUND EM EQUI ETF 808524730 1,352,373 34,082 SH SOLE 0 0 34,082
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 9,310,584 176,471 SH SOLE 0 0 176,471
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 8,784,361 282,455 SH SOLE 0 0 282,455
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 248,794 1,343 SH SOLE 0 0 1,343
SPDR GOLD TR GOLD SHS 78463V107 1,305,907 3,545 SH SOLE 0 0 3,545
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 321,887 616 SH SOLE 0 0 616
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 2,066,191 2,767 SH SOLE 0 0 2,767
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 228,553 325 SH SOLE 0 0 325
T ROWE PRICE EXCHANGE-TRADED CAP APPRECIATION 87283Q867 4,133,062 100,561 SH SOLE 0 0 100,561
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 235,442 493 SH SOLE 0 0 493
UNION PAC CORP COM 907818108 323,408 1,189 SH SOLE 0 0 1,189
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 351,662 4,514 SH SOLE 0 0 4,514
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 5,360,179 73,017 SH SOLE 0 0 73,017
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 2,586,734 51,963 SH SOLE 0 0 51,963
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,886,867 2,747 SH SOLE 0 0 2,747
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 832,869 4,215 SH SOLE 0 0 4,215
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,652,212 5,451 SH SOLE 0 0 5,451
VANGUARD INDEX FDS GROWTH ETF 922908736 3,339,264 38,766 SH SOLE 0 0 38,766
VANGUARD INDEX FDS VALUE ETF 922908744 2,099,610 9,634 SH SOLE 0 0 9,634
VANGUARD INDEX FDS MID CAP ETF 922908629 3,670,092 45,552 SH SOLE 0 0 45,552
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,221,936 6,005 SH SOLE 0 0 6,005
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 18,559,974 369,500 SH SOLE 0 0 369,500
VANGUARD MUN BD FDS INTERMEDIATE TRM 922907738 208,328 2,063 SH SOLE 0 0 2,063
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 948,361 16,079 SH SOLE 0 0 16,079
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 586,044 10,069 SH SOLE 0 0 10,069
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 27,965,177 118,186 SH SOLE 0 0 118,186
VANGUARD STAR FDS VG TL INTL STK F 921909768 2,232,439 26,113 SH SOLE 0 0 26,113
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 4,673,246 65,589 SH SOLE 0 0 65,589
VANGUARD WORLD FD UTILITIES ETF 92204A876 413,389 2,112 SH SOLE 0 0 2,112
VANGUARD WORLD FD MATERIALS ETF 92204A801 239,270 1,046 SH SOLE 0 0 1,046
VANGUARD WORLD FD INF TECH ETF 92204A702 1,147,885 9,604 SH SOLE 0 0 9,604
VANGUARD WORLD FD ESG US STK ETF 921910733 2,044,988 15,464 SH SOLE 0 0 15,464
VERIZON COMMUNICATIONS INC COM 92343V104 432,057 10,204 SH SOLE 0 0 10,204
WALMART INC COM 931142103 681,485 6,017 SH SOLE 0 0 6,017
WASTE MGMT INC DEL COM 94106L109 233,808 1,049 SH SOLE 0 0 1,049
WISDOMTREE TR US QTLY DIV GRT 97717X669 5,863,312 61,319 SH SOLE 0 0 61,319