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
JOHNSON & JOHNSON COM 478160104 872,462 4,915 SH SOLE 0 0 4,915
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,163,215 12,767 SH SOLE 0 0 12,767
SELECTIVE INS GROUP INC COM 816300107 539,202 6,202 SH SOLE 0 0 6,202
HOME DEPOT INC COM 437076102 210,091 766 SH SOLE 0 0 766
PIMCO ETF TR 1-5 US TIP IDX 72201R205 276,316 5,284 SH SOLE 0 0 5,284
ISHARES TR RUS 1000 GRW ETF 464287614 281,248 1,286 SH SOLE 0 0 1,286
ISHARES TR CORE S&P SCP ETF 464287804 905,469 9,798 SH SOLE 0 0 9,798
MICROSOFT CORP COM 594918104 1,074,704 4,184 SH SOLE 0 0 4,184
VANGUARD INDEX FDS LARGE CAP ETF 922908637 307,645 1,785 SH SOLE 0 0 1,785
CONSOLIDATED EDISON INC COM 209115104 241,766 2,542 SH SOLE 0 0 2,542
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 377,992 2,816 SH SOLE 0 0 2,816
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 552,592 2,024 SH SOLE 0 0 2,024
BROWN FORMAN CORP CL B 115637209 212,374 3,027 SH SOLE 0 0 3,027
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,864,395 19,119 SH SOLE 0 0 19,119
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 277,904 10,515 SH SOLE 0 0 10,515
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 2,436,525 100,933 SH SOLE 0 0 100,933
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 733,221 31,659 SH SOLE 0 0 31,659
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 4,529,436 94,363 SH SOLE 0 0 94,363
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 1,090,589 46,806 SH SOLE 0 0 46,806
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 1,710,617 42,532 SH SOLE 0 0 42,532
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 213,152 9,942 SH SOLE 0 0 9,942
VANGUARD INDEX FDS VALUE ETF 922908744 5,636,009 42,736 SH SOLE 0 0 42,736
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 1,873,066 39,954 SH SOLE 0 0 39,954
ISHARES TR MICRO-CAP ETF 464288869 689,183 6,629 SH SOLE 0 0 6,629
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 9,174,450 407,753 SH SOLE 0 0 407,753
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 822,510 36,459 SH SOLE 0 0 36,459
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 1,978,125 91,920 SH SOLE 0 0 91,920
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 5,676,529 179,637 SH SOLE 0 0 179,637
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 15,530,322 309,863 SH SOLE 0 0 309,863
SANDY SPRING BANCORP INC COM 800363103 262,589 6,721 SH SOLE 0 0 6,721
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 3,313,721 44,030 SH SOLE 0 0 44,030
ISHARES TR S&P 500 VAL ETF 464287408 1,147,441 8,347 SH SOLE 0 0 8,347
ISHARES TR S&P 500 GRWT ETF 464287309 1,471,454 24,382 SH SOLE 0 0 24,382
ISHARES TR CORE S&P500 ETF 464287200 27,401,060 72,270 SH SOLE 0 0 72,270
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 686,867 29,191 SH SOLE 0 0 29,191
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 3,482,194 85,348 SH SOLE 0 0 85,348
DANAHER CORPORATION COM 235851102 236,788 934 SH SOLE 0 0 934
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 879,853 21,125 SH SOLE 0 0 21,125
ISHARES TR SP SMCP600VL ETF 464287879 425,296 4,777 SH SOLE 0 0 4,777
WOLFSPEED INC COM 977852102 487,423 7,682 SH SOLE 0 0 7,682
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,218,816 15,872 SH SOLE 0 0 15,872
EXXON MOBIL CORP COM 30231G102 283,982 3,316 SH SOLE 0 0 3,316
APPLE INC COM 037833100 1,543,842 11,292 SH SOLE 0 0 11,292
GSK PLC SPONSORED ADR 37733W105 201,109 4,620 SH SOLE 0 0 4,620
ISHARES TR RUS 1000 ETF 464287622 2,450,608 11,795 SH SOLE 0 0 11,795
ISHARES TR RUS 1000 VAL ETF 464287598 355,177 2,450 SH SOLE 0 0 2,450