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
ISHARES TR CORE S&P500 ETF 464287200 29,696,701 69,154 SH SOLE 0 0 69,154
ISHARES TR CORE S&P TTL STK 464287150 22,606,425 240,009 SH SOLE 0 0 240,009
ISHARES TR MSCI ACWI EX US 464288240 18,140,813 385,893 SH SOLE 0 0 385,893
ISHARES TR CORE TOTAL USD 46434V613 12,587,625 287,948 SH SOLE 0 0 287,948
ISHARES TR MSCI INTL QUALTY 46434V456 11,817,705 351,613 SH SOLE 0 0 351,613
ISHARES TR MSCI USA QLT FCT 46432F339 11,253,285 85,388 SH SOLE 0 0 85,388
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 8,028,097 161,045 SH SOLE 0 0 161,045
APPLE INC COM 037833100 7,380,629 43,109 SH SOLE 0 0 43,109
ISHARES TR CORE HIGH DV ETF 46429B663 6,369,006 64,405 SH SOLE 0 0 64,405
ISHARES TR TRS FLT RT BD 46434V860 5,120,579 100,918 SH SOLE 0 0 100,918
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,046,629 23,759 SH SOLE 0 0 23,759
ISHARES TR NATIONAL MUN ETF 464288414 4,561,902 44,489 SH SOLE 0 0 44,489
ISHARES TR EAFE VALUE ETF 464288877 4,356,808 89,042 SH SOLE 0 0 89,042
ISHARES TR MBS ETF 464288588 4,241,399 47,764 SH SOLE 0 0 47,764
MICROSOFT CORP COM 594918104 3,939,720 12,477 SH SOLE 0 0 12,477
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 3,819,549 131,031 SH SOLE 0 0 131,031
ISHARES TR 20 YR TR BD ETF 464287432 3,277,362 36,953 SH SOLE 0 0 36,953
ISHARES TR EAFE GRWTH ETF 464288885 3,270,108 37,892 SH SOLE 0 0 37,892
BERKSHIRE HATHAWAY INC DEL CL A 084670108 3,188,862 6 SH SOLE 0 0 6
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 3,112,511 21,115 SH SOLE 0 0 21,115
ISHARES TR CORE MSCI INTL 46435G326 3,021,002 51,836 SH SOLE 0 0 51,836
ISHARES TR CORE S&P MCP ETF 464287507 2,735,464 10,970 SH SOLE 0 0 10,970
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 2,609,468 42,163 SH SOLE 0 0 42,163
ISHARES TR US TREAS BD ETF 46429B267 2,563,935 116,331 SH SOLE 0 0 116,331
AMAZON COM INC COM 023135106 2,340,025 18,408 SH SOLE 0 0 18,408
JPMORGAN CHASE & CO COM 46625H100 2,059,942 14,205 SH SOLE 0 0 14,205
ISHARES TR IBOXX INV CP ETF 464287242 1,900,020 18,624 SH SOLE 0 0 18,624
ISHARES INC CORE MSCI EMKT 46434G103 1,828,968 38,432 SH SOLE 0 0 38,432
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,788,866 4,555 SH SOLE 0 0 4,555
NVIDIA CORPORATION COM 67066G104 1,571,720 3,613 SH SOLE 0 0 3,613
TESLA INC COM 88160R101 1,457,532 5,825 SH SOLE 0 0 5,825
ISHARES TR SHRT NAT MUN ETF 464288158 1,392,004 13,533 SH SOLE 0 0 13,533
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,355,713 31,009 SH SOLE 0 0 31,009
ALPHABET INC CAP STK CL A 02079K305 1,306,506 9,984 SH SOLE 0 0 9,984
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,283,234 2,810 SH SOLE 0 0 2,810
ISHARES TR U.S. TECH ETF 464287721 1,114,885 10,626 SH SOLE 0 0 10,626
ISHARES TR TIPS BD ETF 464287176 1,097,358 10,580 SH SOLE 0 0 10,580
ISHARES TR MSCI USA MIN VOL 46429B697 1,079,809 14,919 SH SOLE 0 0 14,919
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,074,020 3,066 SH SOLE 0 0 3,066
ISHARES TR S&P 500 GRWT ETF 464287309 1,073,715 15,693 SH SOLE 0 0 15,693
HOME DEPOT INC COM 437076102 1,051,846 3,481 SH SOLE 0 0 3,481
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104 1,017,337 44,386 SH SOLE 0 0 44,386
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 977,893 20,330 SH SOLE 0 0 20,330
ISHARES TR CORE US AGGBD ET 464287226 968,867 10,303 SH SOLE 0 0 10,303
JOHNSON & JOHNSON COM 478160104 953,667 6,123 SH SOLE 0 0 6,123
META PLATFORMS INC CL A 30303M102 891,323 2,969 SH SOLE 0 0 2,969
PROCTER AND GAMBLE CO COM 742718109 884,406 6,063 SH SOLE 0 0 6,063
ISHARES TR ESG AWR MSCI USA 46435G425 878,949 9,359 SH SOLE 0 0 9,359
CHEVRON CORP NEW COM 166764100 864,404 5,126 SH SOLE 0 0 5,126
VISA INC COM CL A 92826C839 825,764 3,590 SH SOLE 0 0 3,590
BROADCOM INC COM 11135F101 818,114 985 SH SOLE 0 0 985
ELI LILLY & CO COM 532457108 806,457 1,501 SH SOLE 0 0 1,501
PIMCO ETF TR ACTIVE BD ETF 72201R775 795,112 9,046 SH SOLE 0 0 9,046
SPDR SER TR PRTFLO S&P500 GW 78464A409 768,387 12,962 SH SOLE 0 0 12,962
ISHARES TR JPMORGAN USD EMG 464288281 739,503 8,962 SH SOLE 0 0 8,962
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 738,544 23,320 SH SOLE 0 0 23,320
BANK AMERICA CORP COM 060505104 717,205 26,194 SH SOLE 0 0 26,194
COMCAST CORP NEW CL A 20030N101 703,744 15,872 SH SOLE 0 0 15,872
ALPHABET INC CAP STK CL C 02079K107 678,500 5,146 SH SOLE 0 0 5,146
UNITEDHEALTH GROUP INC COM 91324P102 677,391 1,344 SH SOLE 0 0 1,344
CISCO SYS INC COM 17275R102 655,016 12,184 SH SOLE 0 0 12,184
MERCK & CO INC COM 58933Y105 618,000 6,003 SH SOLE 0 0 6,003
MASTERCARD INCORPORATED CL A 57636Q104 600,718 1,517 SH SOLE 0 0 1,517
ABBVIE INC COM 00287Y109 594,860 3,991 SH SOLE 0 0 3,991
ENTERPRISE PRODS PARTNERS L COM 293792107 592,424 21,645 SH SOLE 0 0 21,645
WALMART INC COM 931142103 579,259 3,622 SH SOLE 0 0 3,622
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 540,304 10,417 SH SOLE 0 0 10,417
KLA CORP COM NEW 482480100 538,467 1,174 SH SOLE 0 0 1,174
MCDONALDS CORP COM 580135101 535,656 2,033 SH SOLE 0 0 2,033
BOEING CO COM 097023105 525,045 2,739 SH SOLE 0 0 2,739
AMGEN INC COM 031162100 515,813 1,919 SH SOLE 0 0 1,919
AIM ETF PRODUCTS TRUST ALLIANZIM US LRG 00888H687 503,756 20,595 SH SOLE 0 0 20,595
COCA COLA CO COM 191216100 497,576 8,888 SH SOLE 0 0 8,888
ADOBE INC COM 00724F101 483,385 948 SH SOLE 0 0 948
VANGUARD STAR FDS VG TL INTL STK F 921909768 480,931 8,986 SH SOLE 0 0 8,986
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 467,467 2,400 SH SOLE 0 0 2,400
FAIR ISAAC CORP COM 303250104 461,189 531 SH SOLE 0 0 531
MCKESSON CORP COM 58155Q103 443,982 1,021 SH SOLE 0 0 1,021
ISHARES TR RUSSELL 2000 ETF 464287655 443,505 2,509 SH SOLE 0 0 2,509
BLACKSTONE INC COM 09260D107 439,917 4,106 SH SOLE 0 0 4,106
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 439,803 3,068 SH SOLE 0 0 3,068
PFIZER INC COM 717081103 431,222 13,000 SH SOLE 0 0 13,000
PEPSICO INC COM 713448108 429,542 2,535 SH SOLE 0 0 2,535
ISHARES TR CORE S&P SCP ETF 464287804 421,565 4,469 SH SOLE 0 0 4,469
COSTCO WHSL CORP NEW COM 22160K105 418,776 741 SH SOLE 0 0 741
ORACLE CORP COM 68389X105 407,430 3,847 SH SOLE 0 0 3,847
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 403,405 28,753 SH SOLE 0 0 28,753
BOOKING HOLDINGS INC COM 09857L108 400,914 130 SH SOLE 0 0 130
THE CIGNA GROUP COM 125523100 400,837 1,401 SH SOLE 0 0 1,401
SPDR S&P 500 ETF TR TR UNIT 78462F103 383,877 898 SH SOLE 0 0 898
PHILIP MORRIS INTL INC COM 718172109 369,024 3,986 SH SOLE 0 0 3,986
MARATHON PETE CORP COM 56585A102 363,419 2,401 SH SOLE 0 0 2,401
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 360,429 2,800 SH SOLE 0 0 2,800
HARTFORD FINL SVCS GROUP INC COM 416515104 353,668 4,988 SH SOLE 0 0 4,988
DEERE & CO COM 244199105 346,550 918 SH SOLE 0 0 918
ISHARES TR RUS 1000 ETF 464287622 341,034 1,452 SH SOLE 0 0 1,452
DISNEY WALT CO COM 254687106 339,996 4,195 SH SOLE 0 0 4,195
RTX CORPORATION COM 75513E101 339,248 4,714 SH SOLE 0 0 4,714
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201 334,190 7,578 SH SOLE 0 0 7,578
CONOCOPHILLIPS COM 20825C104 311,121 2,597 SH SOLE 0 0 2,597
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 308,788 4,364 SH SOLE 0 0 4,364
PHILLIPS 66 COM 718546104 306,587 2,552 SH SOLE 0 0 2,552
LOWES COS INC COM 548661107 304,693 1,466 SH SOLE 0 0 1,466
MEDTRONIC PLC SHS G5960L103 301,610 3,849 SH SOLE 0 0 3,849
INTEL CORP COM 458140100 300,137 8,443 SH SOLE 0 0 8,443
CARDINAL HEALTH INC COM 14149Y108 290,239 3,343 SH SOLE 0 0 3,343
SALESFORCE INC COM 79466L302 288,150 1,421 SH SOLE 0 0 1,421
ABBOTT LABS COM 002824100 284,373 2,936 SH SOLE 0 0 2,936
MORGAN STANLEY COM NEW 617446448 275,832 3,377 SH SOLE 0 0 3,377
SYNCHRONY FINANCIAL COM 87165B103 274,998 8,996 SH SOLE 0 0 8,996
CATERPILLAR INC COM 149123101 274,092 1,004 SH SOLE 0 0 1,004
ISHARES GOLD TR ISHARES NEW 464285204 272,852 7,798 SH SOLE 0 0 7,798
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 272,407 887 SH SOLE 0 0 887
BUILDERS FIRSTSOURCE INC COM 12008R107 269,770 2,167 SH SOLE 0 0 2,167
ALTRIA GROUP INC COM 02209S103 266,358 6,334 SH SOLE 0 0 6,334
CHENIERE ENERGY INC COM NEW 16411R208 266,200 1,604 SH SOLE 0 0 1,604
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 266,121 3,541 SH SOLE 0 0 3,541
NEXTERA ENERGY INC COM 65339F101 264,240 4,612 SH SOLE 0 0 4,612
APPLIED MATLS INC COM 038222105 263,578 1,904 SH SOLE 0 0 1,904
GENERAL DYNAMICS CORP COM 369550108 260,082 1,177 SH SOLE 0 0 1,177
INTERNATIONAL BUSINESS MACHS COM 459200101 259,134 1,847 SH SOLE 0 0 1,847
STRYKER CORPORATION COM 863667101 254,141 930 SH SOLE 0 0 930
WILLIAMS COS INC COM 969457100 252,035 7,481 SH SOLE 0 0 7,481
ISHARES TR MSCI EAFE ETF 464287465 251,418 3,648 SH SOLE 0 0 3,648
ADVANCED MICRO DEVICES INC COM 007903107 249,544 2,427 SH SOLE 0 0 2,427
HOLOGIC INC COM 436440101 247,272 3,563 SH SOLE 0 0 3,563
AMERICAN INTL GROUP INC COM NEW 026874784 247,187 4,079 SH SOLE 0 0 4,079
AT&T INC COM 00206R102 245,090 16,318 SH SOLE 0 0 16,318
LINDE PLC SHS G54950103 240,264 645 SH SOLE 0 0 645
GILEAD SCIENCES INC COM 375558103 240,033 3,203 SH SOLE 0 0 3,203
CHUBB LIMITED COM H1467J104 238,547 1,146 SH SOLE 0 0 1,146
NETFLIX INC COM 64110L106 234,490 621 SH SOLE 0 0 621
CITIGROUP INC COM NEW 172967424 233,865 5,686 SH SOLE 0 0 5,686
ONEOK INC NEW COM 682680103 233,803 3,686 SH SOLE 0 0 3,686
WELLS FARGO CO NEW COM 949746101 233,556 5,716 SH SOLE 0 0 5,716
PROLOGIS INC. COM 74340W103 233,509 2,081 SH SOLE 0 0 2,081
VALERO ENERGY CORP COM 91913Y100 231,348 1,633 SH SOLE 0 0 1,633
ENBRIDGE INC COM 29250N105 230,637 6,949 SH SOLE 0 0 6,949
DOW INC COM 260557103 229,251 4,446 SH SOLE 0 0 4,446
AMERICAN EXPRESS CO COM 025816109 229,155 1,536 SH SOLE 0 0 1,536
DANAHER CORPORATION COM 235851102 222,794 898 SH SOLE 0 0 898
THERMO FISHER SCIENTIFIC INC COM 883556102 222,717 440 SH SOLE 0 0 440
EATON CORP PLC SHS G29183103 218,399 1,024 SH SOLE 0 0 1,024
UNITED PARCEL SERVICE INC CL B 911312106 216,048 1,386 SH SOLE 0 0 1,386
STATE STR CORP COM 857477103 211,192 3,154 SH SOLE 0 0 3,154
KROGER CO COM 501044101 209,878 4,690 SH SOLE 0 0 4,690
TJX COS INC NEW COM 872540109 209,757 2,360 SH SOLE 0 0 2,360
STARBUCKS CORP COM 855244109 205,358 2,250 SH SOLE 0 0 2,250
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 203,486 1,310 SH SOLE 0 0 1,310
TRAVELERS COMPANIES INC COM 89417E109 200,871 1,230 SH SOLE 0 0 1,230
KINDER MORGAN INC DEL COM 49456B101 181,501 10,947 SH SOLE 0 0 10,947
VIATRIS INC COM 92556V106 149,704 15,183 SH SOLE 0 0 15,183