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
SPDR SER TR PORTFOLIO AGRGTE 78464A649 231,467 9,277 SH SOLE 0 0 9,277
JOHNSON & JOHNSON COM 478160104 793,603 4,858 SH SOLE 0 0 4,858
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,411,785 17,610 SH SOLE 0 0 17,610
SELECTIVE INS GROUP INC COM 816300107 484,656 5,954 SH SOLE 0 0 5,954
HOME DEPOT INC COM 437076102 211,370 766 SH SOLE 0 0 766
PIMCO ETF TR 1-5 US TIP IDX 72201R205 578,277 11,704 SH SOLE 0 0 11,704
ISHARES TR RUS 1000 GRW ETF 464287614 270,574 1,286 SH SOLE 0 0 1,286
ISHARES TR CORE S&P SCP ETF 464287804 854,321 9,798 SH SOLE 0 0 9,798
MICROSOFT CORP COM 594918104 858,119 3,684 SH SOLE 0 0 3,684
VANGUARD INDEX FDS LARGE CAP ETF 922908637 291,955 1,785 SH SOLE 0 0 1,785
CONSOLIDATED EDISON INC COM 209115104 219,619 2,561 SH SOLE 0 0 2,561
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 358,420 2,816 SH SOLE 0 0 2,816
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 500,395 1,874 SH SOLE 0 0 1,874
BROWN FORMAN CORP CL B 115637209 201,507 3,027 SH SOLE 0 0 3,027
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,730,414 19,041 SH SOLE 0 0 19,041
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 2,330,633 108,050 SH SOLE 0 0 108,050
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 620,149 30,869 SH SOLE 0 0 30,869
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 4,360,541 93,735 SH SOLE 0 0 93,735
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 1,189,822 53,499 SH SOLE 0 0 53,499
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 1,660,344 42,606 SH SOLE 0 0 42,606
VANGUARD INDEX FDS VALUE ETF 922908744 5,448,606 44,125 SH SOLE 0 0 44,125
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 3,870,472 84,141 SH SOLE 0 0 84,141
ISHARES TR MICRO-CAP ETF 464288869 687,103 6,646 SH SOLE 0 0 6,646
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 10,435,658 489,019 SH SOLE 0 0 489,019
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 1,077,111 49,431 SH SOLE 0 0 49,431
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 3,412,599 178,111 SH SOLE 0 0 178,111
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 5,271,587 178,034 SH SOLE 0 0 178,034
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 14,875,346 309,194 SH SOLE 0 0 309,194
SANDY SPRING BANCORP INC COM 800363103 236,982 6,721 SH SOLE 0 0 6,721
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 750,222 10,518 SH SOLE 0 0 10,518
ISHARES TR S&P 500 VAL ETF 464287408 1,072,951 8,349 SH SOLE 0 0 8,349
ISHARES TR S&P 500 GRWT ETF 464287309 1,410,499 24,382 SH SOLE 0 0 24,382
ISHARES TR CORE S&P500 ETF 464287200 25,994,972 72,480 SH SOLE 0 0 72,480
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 1,265,388 61,907 SH SOLE 0 0 61,907
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 3,072,148 84,493 SH SOLE 0 0 84,493
DANAHER CORPORATION COM 235851102 241,243 934 SH SOLE 0 0 934
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 803,159 22,010 SH SOLE 0 0 22,010
ISHARES TR SP SMCP600VL ETF 464287879 393,864 4,777 SH SOLE 0 0 4,777
WOLFSPEED INC COM 977852102 794,012 7,682 SH SOLE 0 0 7,682
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,187,916 15,877 SH SOLE 0 0 15,877
EXXON MOBIL CORP COM 30231G102 289,520 3,316 SH SOLE 0 0 3,316
APPLE INC COM 037833100 1,560,554 11,292 SH SOLE 0 0 11,292
ISHARES TR RUS 1000 ETF 464287622 2,272,330 11,515 SH SOLE 0 0 11,515
ISHARES TR RUS 1000 VAL ETF 464287598 333,176 2,450 SH SOLE 0 0 2,450