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
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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
ISHARES TR CORE S&P TTL STK 464287150 36,211,897 243,540 SH SOLE 0 0 243,540
ISHARES TR MSCI ACWI EX US 464288240 29,500,437 439,452 SH SOLE 0 0 439,452
ISHARES TR CORE S&P500 ETF 464287200 28,502,372 41,613 SH SOLE 0 0 41,613
ISHARES TR MSCI USA QLT FCT 46432F339 21,010,497 105,782 SH SOLE 0 0 105,782
ISHARES TR MSCI INTL QUALTY 46434V456 17,781,248 391,227 SH SOLE 0 0 391,227
ISHARES TR CORE UNIVRSL USD 46434V613 15,602,395 335,247 SH SOLE 0 0 335,247
ISHARES TR CORE HIGH DV ETF 46429B663 7,938,313 65,277 SH SOLE 0 0 65,277
ISHARES TR EAFE VALUE ETF 464288877 7,249,821 101,524 SH SOLE 0 0 101,524
VANGUARD INDEX FDS TOTAL STK MKT 922908769 7,087,608 21,140 SH SOLE 0 0 21,140
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 6,974,481 114,693 SH SOLE 0 0 114,693
ISHARES TR S&P 500 GRWT ETF 464287309 6,932,389 56,242 SH SOLE 0 0 56,242
ISHARES TR NATIONAL MUN ETF 464288414 6,832,440 63,789 SH SOLE 0 0 63,789
ISHARES TR S&P 500 VAL ETF 464287408 5,498,763 25,929 SH SOLE 0 0 25,929
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603 5,167,766 97,930 SH SOLE 0 0 97,930
ISHARES TR MBS ETF 464288588 5,023,998 52,762 SH SOLE 0 0 52,762
ISHARES INC CORE MSCI EMKT 46434G103 4,508,632 67,073 SH SOLE 0 0 67,073
ISHARES TR CORE MSCI INTL 46435G326 4,077,870 49,441 SH SOLE 0 0 49,441
ISHARES TR 10-20 YR TRS ETF 464288653 4,037,926 39,716 SH SOLE 0 0 39,716
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 3,946,380 158,524 SH SOLE 0 0 158,524
ISHARES TR CORE INTL AGGR 46435G672 3,506,151 70,109 SH SOLE 0 0 70,109
ISHARES TR S&P 100 ETF 464287101 2,983,496 8,699 SH SOLE 0 0 8,699
APPLE INC COM 037833100 2,903,737 10,681 SH SOLE 0 0 10,681
ISHARES TR CORE S&P MCP ETF 464287507 2,857,430 43,294 SH SOLE 0 0 43,294
ISHARES TR EAFE GRWTH ETF 464288885 2,855,365 25,065 SH SOLE 0 0 25,065
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 2,438,283 27,092 SH SOLE 0 0 27,092
ISHARES TR U.S. TECH ETF 464287721 2,316,996 11,604 SH SOLE 0 0 11,604
BLACKROCK ETF TRUST ISHARES US THEMA 09290C806 2,275,734 59,018 SH SOLE 0 0 59,018
ISHARES GOLD TR ISHARES NEW 464285204 2,275,195 28,030 SH SOLE 0 0 28,030
ISHARES TR SHRT NAT MUN ETF 464288158 1,928,603 18,075 SH SOLE 0 0 18,075
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,917,048 18,723 SH SOLE 0 0 18,723
ISHARES TR JPMORGAN USD EMG 464288281 1,855,027 19,267 SH SOLE 0 0 19,267
SPDR SERIES TRUST STATE STREET SPD 78468R721 1,769,388 38,709 SH SOLE 0 0 38,709
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,757,156 28,128 SH SOLE 0 0 28,128
ISHARES TR MSCI USA MMENTM 46432F396 1,694,348 6,769 SH SOLE 0 0 6,769
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,653,016 2,730 SH SOLE 0 0 2,730
ISHARES TR RUS 1000 GRW ETF 464287614 1,610,931 3,404 SH SOLE 0 0 3,404
ISHARES TR US TREAS BD ETF 46429B267 1,331,460 57,827 SH SOLE 0 0 57,827
BLACKROCK ETF TRUST ISHARES A I INNO 09290C780 1,297,974 38,978 SH SOLE 0 0 38,978
SPDR SERIES TRUST STATE STREET SPD 78464A409 1,161,750 10,888 SH SOLE 0 0 10,888
ISHARES TR CONV BD ETF 46435G102 983,818 9,988 SH SOLE 0 0 9,988
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 964,329 21,330 SH SOLE 0 0 21,330
ISHARES TR CORE US AGGBD ET 464287226 817,419 8,184 SH SOLE 0 0 8,184
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 786,422 15,638 SH SOLE 0 0 15,638
BERKSHIRE HATHAWAY INC DEL CL A 084670108 754,800 1 SH SOLE 0 0 1
ISHARES INC MSCI EMRG CHN 46434G764 676,942 9,314 SH SOLE 0 0 9,314
VANGUARD STAR FDS VG TL INTL STK F 921909768 616,345 8,170 SH SOLE 0 0 8,170
ISHARES TR RUSSELL 2000 ETF 464287655 609,000 2,474 SH SOLE 0 0 2,474
ENTERPRISE PRODS PARTNERS L COM 293792107 516,070 16,097 SH SOLE 0 0 16,097
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 501,645 998 SH SOLE 0 0 998
REDDIT INC CL A 75734B100 459,740 2,000 SH SOLE 0 0 2,000
GE VERNOVA INC COM 36828A101 436,585 668 SH SOLE 0 0 668
SPDR S&P 500 ETF TR TR UNIT 78462F103 406,050 594 SH SOLE 0 0 594
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 349,939 558 SH SOLE 0 0 558
ISHARES TR RUS 1000 ETF 464287622 346,091 927 SH SOLE 0 0 927
ISHARES TR 20 YR TR BD ETF 464287432 341,057 3,913 SH SOLE 0 0 3,913
WALMART INC COM 931142103 299,767 2,685 SH SOLE 0 0 2,685
BLACKSTONE INC COM 09260D107 282,384 1,832 SH SOLE 0 0 1,832
ISHARES TR HIGH YLD SYSTM B 46435G250 269,895 5,700 SH SOLE 0 0 5,700
SPDR GOLD TR GOLD SHS 78463V107 257,602 650 SH SOLE 0 0 650
ABBVIE INC COM 00287Y109 254,995 1,116 SH SOLE 0 0 1,116
JOHNSON & JOHNSON COM 478160104 244,201 1,180 SH SOLE 0 0 1,180
INTERNATIONAL BUSINESS MACHS COM 459200101 226,897 766 SH SOLE 0 0 766
ISHARES TR RUS MID CAP ETF 464287499 226,812 2,356 SH SOLE 0 0 2,356
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 210,197 7,725 SH SOLE 0 0 7,725
ISHARES TR ESG AWR MSCI USA 46435G425 202,911 1,362 SH SOLE 0 0 1,362