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
ALPHABET INC CAP STK CL C 02079K107 214,214 606 SH SOLE 0 0 606
APPLE INC COM 037833100 824,022 2,848 SH SOLE 0 0 2,848
CATERPILLAR INC COM 149123101 1,867,530 1,754 SH SOLE 0 0 1,754
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 752,166 16,956 SH SOLE 0 0 16,956
GE AEROSPACE COM NEW 369604301 304,717 815 SH SOLE 0 0 815
GE VERNOVA INC COM 36828A101 227,013 193 SH SOLE 0 0 193
ISHARES TR NATIONAL MUN ETF 464288414 803,392 7,465 SH SOLE 0 0 7,465
ISHARES TR RUS 1000 GRW ETF 464287614 230,061 1,853 SH SOLE 0 0 1,853
ISHARES TR CORE MSCI EAFE 46432F842 261,768 2,710 SH SOLE 0 0 2,710
ISHARES TR CORE S&P500 ETF 464287200 283,558 379 SH SOLE 0 0 379
ISHARES TR S&P 500 VAL ETF 464287408 786,034 3,462 SH SOLE 0 0 3,462
ISHARES TR RUSSELL 2000 ETF 464287655 349,339 1,163 SH SOLE 0 0 1,163
ISHARES TR S&P 500 GRWT ETF 464287309 1,068,914 7,772 SH SOLE 0 0 7,772
ISHARES TR SHRT NAT MUN ETF 464288158 408,235 3,834 SH SOLE 0 0 3,834
MEDTRONIC PLC SHS G5960L103 219,592 2,807 SH SOLE 0 0 2,807
MICROSOFT CORP COM 594918104 346,034 928 SH SOLE 0 0 928
ORION GROUP HLDGS INC COM 68628V308 378,484 22,502 SH SOLE 0 0 22,502
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 14,201,008 269,162 SH SOLE 0 0 269,162
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 18,848,020 780,780 SH SOLE 0 0 780,780
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 30,096,459 889,375 SH SOLE 0 0 889,375
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 30,836,737 885,859 SH SOLE 0 0 885,859
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 9,233,189 255,555 SH SOLE 0 0 255,555
SCHWAB STRATEGIC TR FUND EM EQUI ETF 808524730 2,743,097 69,130 SH SOLE 0 0 69,130
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 5,109,591 134,251 SH SOLE 0 0 134,251
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,716,490 61,967 SH SOLE 0 0 61,967
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 788,095 27,213 SH SOLE 0 0 27,213
SCHWAB STRATEGIC TR US REIT ETF 808524847 252,236 10,652 SH SOLE 0 0 10,652
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 670,517 28,989 SH SOLE 0 0 28,989
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 463,656 2,434 SH SOLE 0 0 2,434
SPDR SERIES TRUST ST STR P500VAL 78464A508 280,884 4,621 SH SOLE 0 0 4,621
UNITED PARCEL SVCS INC CL B 911312106 384,371 3,576 SH SOLE 0 0 3,576
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 22,876,361 220,050 SH SOLE 0 0 220,050
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 31,874,036 434,192 SH SOLE 0 0 434,192
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 203,788 2,616 SH SOLE 0 0 2,616
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,346,357 17,554 SH SOLE 0 0 17,554
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 5,562,082 57,680 SH SOLE 0 0 57,680
VANGUARD INDEX FDS SMALL CP ETF 922908751 668,540 2,206 SH SOLE 0 0 2,206
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,041,075 2,972 SH SOLE 0 0 2,972
VANGUARD INDEX FDS GROWTH ETF 922908736 487,513 5,660 SH SOLE 0 0 5,660
VANGUARD INDEX FDS VALUE ETF 922908744 241,300 1,107 SH SOLE 0 0 1,107
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,437,513 91,096 SH SOLE 0 0 91,096
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,073,688 21,228 SH SOLE 0 0 21,228
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 883,568 15,182 SH SOLE 0 0 15,182
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 28,607,235 401,505 SH SOLE 0 0 401,505
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 690,594 4,370 SH SOLE 0 0 4,370
VANGUARD WORLD FD INF TECH ETF 92204A702 334,668 2,800 SH SOLE 0 0 2,800