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
AMAZON COM INC COM Stock 023135106 2,384,592 10,005 SH SOLE 0 10,005 0 0
AMAZON COM INC COM Stock 023135106 23,834 100 SH Call SOLE 0 100 0 0
AMAZON COM INC COM Stock 023135106 23,834 100 SH Call SOLE 0 100 0 0
ISHARES MORNINGSTAR MID-CAP GROWTH ETF ETF 464288307 915,566 9,314 SH SOLE 0 9,314 0 0
HUBBELL INC COM Stock 443510607 250,090 478 SH SOLE 0 478 0 0
JOHNSON & JOHNSON COM Stock 478160104 1,058,412 4,167 SH SOLE 0 4,167 0 0
GOLDMAN SACHS GROUP INC COM Stock 38141G104 384,898 381 SH SOLE 0 380 0 0
PROCTER & GAMBLE CO COM Stock 742718109 301,091 2,053 SH SOLE 0 2,053 0 0
COCA COLA CO COM Stock 191216100 318,179 3,915 SH SOLE 0 3,915 0 0
FORTIS INC COM Stock 349553107 1,193,474 20,854 SH SOLE 0 20,854 0 0
MERCK & CO INC COM Stock 58933Y105 624,082 4,857 SH SOLE 0 4,856 0 0
MASTERCARD INCORPORATED CL A Stock 57636Q104 271,181 528 SH SOLE 0 528 0 0
CORNING INC COM Stock 219350105 320,361 1,254 SH SOLE 0 1,254 0 0
GOLDMAN SACHS JUST U.S. LARGE CAP EQUITY ETF ETF 381430396 213,817 2,004 SH SOLE 0 2,004 0 0
BANK OF NY MELLON CORP COM Stock 064058100 547,868 3,789 SH SOLE 0 3,788 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 32,210,175 1,162,822 SH SOLE 0 1,162,822 0 0
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 13,971,737 474,745 SH SOLE 0 474,744 0 0
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300 9,209,184 272,139 SH SOLE 0 272,139 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804 737,249 4,971 SH SOLE 0 4,971 0 0
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 665,894 18,364 SH SOLE 0 18,364 0 0
VANGUARD SHORT-TERM CORPORATE BOND ETF ETF 92206C409 438,617 5,550 SH SOLE 0 5,550 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870 22,996,867 278,244 SH SOLE 0 278,244 0 0
ALPHABET INC CAP STK CL A Stock 02079K305 1,453,099 4,066 SH SOLE 0 4,066 0 0
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 7,806,989 162,240 SH SOLE 0 162,240 0 0
MICROSOFT CORP COM Stock 594918104 2,469,799 6,621 SH SOLE 0 6,621 0 0
VANGUARD ESG U.S. STOCK ETF ETF 921910733 215,816 1,632 SH SOLE 0 1,632 0 0
VANGUARD MORNINGSTAR SMALL-CAP ETF ETF 922908751 6,237,642 20,578 SH SOLE 0 20,578 0 0
VANGUARD MORNINGSTAR MID-CAP ETF ETF 922908629 10,998,288 136,506 SH SOLE 0 136,506 0 0
TESLA INC COM Stock 88160R101 838,256 1,993 SH SOLE 0 1,993 0 0
ISHARES ESG AWARE US AGGREGATE BOND ETF ETF 46435U549 231,787 4,889 SH SOLE 0 4,889 0 0
ISHARES MSCI EMERGING MARKETS EX CHINA ETF ETF 46434G764 1,527,851 14,935 SH SOLE 0 14,935 0 0
ISHARES MSCI USA QUALITY GARP ETF ETF 46436E403 218,011 2,641 SH SOLE 0 2,640 0 0
DELL TECHNOLOGIES INC CL C Stock 24703L202 242,481 562 SH SOLE 0 562 0 0
PIMCO INTERMEDIATE MUNICIPAL BOND ACTIVE EXCHANGE-TRADED FUND ETF 72201R866 3,905,077 74,241 SH SOLE 0 74,241 0 0
SCHWAB INTERMEDIATE-TERM US TREASURY ETF ETF 808524854 544,764 22,091 SH SOLE 0 22,091 0 0
JPMORGAN MUNICIPAL ETF ETF 46641Q647 13,017,981 256,993 SH SOLE 0 256,993 0 0
ELI LILLY & CO COM Stock 532457108 712,723 594 SH SOLE 0 594 0 0
SCHWAB U.S. MID-CAP ETF ETF 808524508 1,678,654 45,529 SH SOLE 0 45,529 0 0
MICRON TECHNOLOGY INC COM Stock 595112103 1,134,667 983 SH SOLE 0 983 0 0
VANGUARD S&P SMALL-CAP 600 VALUE ETF ETF 921932778 666,317 5,679 SH SOLE 0 5,679 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 280,719 561 SH SOLE 0 561 0 0
ISHARES ESG ADVANCED UNIVERSAL USD BOND ETF ETF 46436E619 224,941 5,177 SH SOLE 0 5,177 0 0
VANGUARD ESG U.S. CORPORATE BOND ETF ETF 921910691 221,668 3,532 SH SOLE 0 3,532 0 0
BOWMAN CONSULTING GROUP LTD COM Stock 103002101 819,381 28,061 SH SOLE 0 28,061 0 0
VANGUARD MORNINGSTAR SMALL-CAP GROWTH ETF ETF 922908595 258,123 706 SH SOLE 0 705 0 0
VANGUARD MORNINGSTAR VALUE ETF ETF 922908744 3,417,142 15,680 SH SOLE 0 15,680 0 0
META PLATFORMS INC CL A Stock 30303M102 800,435 1,421 SH SOLE 0 1,421 0 0
DIMENSIONAL US SMALL CAP VALUE ETF ETF 25434V815 912,574 23,526 SH SOLE 0 23,526 0 0
ASML HLDG NV N Y REGISTRY SHS ADR N07059210 204,912 103 SH SOLE 0 103 0 0
DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF ETF 25434V781 1,170,552 29,169 SH SOLE 0 29,169 0 0
JPMORGAN ACTIVE VALUE ETF ETF 46641Q167 12,460,938 156,919 SH SOLE 0 156,919 0 0
PALO ALTO NETWORKS INC COM Stock 697435105 211,773 621 SH SOLE 0 621 0 0
JPMORGAN ACTIVE GROWTH ETF ETF 46654Q609 8,251,198 83,692 SH SOLE 0 83,692 0 0
BROADCOM INC COM Stock 11135F101 966,285 2,558 SH SOLE 0 2,558 0 0
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 2,704,333 53,839 SH SOLE 0 53,839 0 0
DIMENSIONAL GLOBAL REAL ESTATE ETF ETF 25434V658 1,370,918 47,322 SH SOLE 0 47,322 0 0
NVIDIA CORPORATION COM Stock 67066G104 4,552,402 22,752 SH SOLE 0 22,751 0 0
WESTERN DIGITAL CORP COM Stock 958102105 361,516 566 SH SOLE 0 566 0 0
TAIWAN SEMICONDUCTOR MANUFACT SPONSORED ADS ADR 874039100 1,305,199 2,733 SH SOLE 0 2,733 0 0
QUALCOMM INC COM Stock 747525103 280,595 1,518 SH SOLE 0 1,518 0 0
CISCO SYS INC COM Stock 17275R102 1,361,016 11,587 SH SOLE 0 11,587 0 0
ADVANCED MICRO DEVICES INC COM Stock 007903107 666,885 1,148 SH SOLE 0 1,148 0 0
VANGUARD INTERMEDIATE-TERM TAX-EXEMPT BOND ETF ETF 922907738 9,533,991 94,424 SH SOLE 0 94,424 0 0
GE VERNOVA INC COM Stock 36828A101 454,671 387 SH SOLE 0 387 0 0
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY ETF ETF 808524771 739,776 23,787 SH SOLE 0 23,787 0 0
GE AEROSPACE COM NEW Stock 369604301 363,861 974 SH SOLE 0 973 0 0
SCHWAB FUNDAMENTAL INTERNATIONAL EQUITY ETF ETF 808524755 822,476 15,589 SH SOLE 0 15,589 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 31,199,821 41,661 SH SOLE 0 41,661 0 0
DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF ETF 25434V732 9,048,780 222,657 SH SOLE 0 222,657 0 0
VANGUARD MORNINGSTAR MID-CAP VALUE ETF ETF 922908512 734,084 3,715 SH SOLE 0 3,715 0 0
LOCKHEED MARTIN CORP COM Stock 539830109 495,452 973 SH SOLE 0 972 0 0
JPMORGAN CHASE & CO COM Stock 46625H100 1,289,396 3,939 SH SOLE 0 3,939 0 0
SANDISK CORP COM Stock 80004C200 404,724 178 SH SOLE 0 178 0 0
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 297,354 2,763 SH SOLE 0 2,763 0 0
WALMART INC COM Stock 931142103 430,319 3,799 SH SOLE 0 3,799 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 3,349,649 11,912 SH SOLE 0 11,911 0 0
RTX CORPORATION COM Stock 75513E101 304,315 1,604 SH SOLE 0 1,603 0 0
TEXAS INSTRS INC COM Stock 882508104 229,216 769 SH SOLE 0 769 0 0
KLA CORP COM NEW Stock 482480100 579,458 1,921 SH SOLE 0 1,920 0 0
SCHWAB FUNDAMENTAL U.S. BROAD MARKET ETF ETF 808524789 441,183 14,484 SH SOLE 0 14,484 0 0
GILEAD SCIENCES INC COM Stock 375558103 688,984 5,453 SH SOLE 0 5,453 0 0
CATERPILLAR INC COM Stock 149123101 533,515 501 SH SOLE 0 501 0 0
ALPHABET INC CAP STK CL C Stock 02079K107 1,317,921 3,730 SH SOLE 0 3,730 0 0
AMGEN INC COM Stock 031162100 475,953 1,314 SH SOLE 0 1,314 0 0
APPLIED MATLS INC COM Stock 038222105 1,440,101 1,992 SH SOLE 0 1,991 0 0
ANALOG DEVICES INC COM Stock 032654105 397,281 1,000 SH SOLE 0 1,000 0 0
FRANKLIN NEW JERSEY MUNICIPAL INCOME ETF ETF 746729771 101,122 11,433 SH SOLE 0 11,432 0 0
CIENA CORP COM NEW Stock 171779309 230,073 469 SH SOLE 0 469 0 0
LAM RESEARCH CORP COM NEW Stock 512807306 2,697,564 6,225 SH SOLE 0 6,225 0 0
PHILIP MORRIS INTL INC COM Stock 718172109 302,420 1,672 SH SOLE 0 1,671 0 0
FIDELITY TOTAL BOND ETF ETF 316188309 239,004 5,254 SH SOLE 0 5,254 0 0
ALTRIA GROUP INC COM Stock 02209S103 291,718 4,054 SH SOLE 0 4,054 0 0
EXXONMOBIL HOLDINGS CORP COM SHS Stock 30233Q108 771,472 5,643 SH SOLE 0 5,642 0 0
CHARLES SCHWAB CORP (THE) COM Stock 808513105 459,538 4,980 SH SOLE 0 4,980 0 0
BLACKROCK INC COM Stock 09290D101 303,962 316 SH SOLE 0 316 0 0
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746 296,399 5,860 SH SOLE 0 5,860 0 0
APPLE INC COM Stock 037833100 7,330,733 25,334 SH SOLE 0 25,334 0 0