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
ISHARES TR CORE S&P TTL STK 464287150 29,418,188 206,545 SH SOLE 0 0 206,545
ISHARES TR MSCI ACWI EX US 464288240 27,305,621 398,797 SH SOLE 0 0 398,797
ISHARES TR CORE S&P500 ETF 464287200 27,154,558 41,571 SH SOLE 0 0 41,571
ISHARES TR MSCI INTL QUALTY 46434V456 17,932,089 387,889 SH SOLE 0 0 387,889
ISHARES TR MSCI USA QLT FCT 46432F339 17,211,189 89,730 SH SOLE 0 0 89,730
ISHARES TR CORE UNIVRSL USD 46434V613 15,307,551 331,404 SH SOLE 0 0 331,404
ISHARES TR EAFE VALUE ETF 464288877 7,737,894 104,074 SH SOLE 0 0 104,074
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 7,224,908 124,182 SH SOLE 0 0 124,182
ISHARES TR NATIONAL MUN ETF 464288414 6,942,422 65,402 SH SOLE 0 0 65,402
ISHARES TR S&P 500 GRWT ETF 464287309 6,842,929 60,498 SH SOLE 0 0 60,498
VANGUARD INDEX FDS TOTAL STK MKT 922908769 6,501,535 20,266 SH SOLE 0 0 20,266
ISHARES TR S&P 500 VAL ETF 464287408 5,974,700 28,296 SH SOLE 0 0 28,296
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603 5,234,129 100,792 SH SOLE 0 0 100,792
ISHARES INC CORE MSCI EMKT 46434G103 5,032,098 72,145 SH SOLE 0 0 72,145
ISHARES TR MBS ETF 464288588 5,026,083 52,934 SH SOLE 0 0 52,934
SPDR GOLD TR GOLD SHS 78463V107 4,501,694 10,462 SH SOLE 0 0 10,462
ISHARES TR 10-20 YR TRS ETF 464288653 4,163,261 41,335 SH SOLE 0 0 41,335
ISHARES TR CORE MSCI INTL 46435G326 3,815,448 45,656 SH SOLE 0 0 45,656
ISHARES TR CORE INTL AGGR 46435G672 3,719,423 74,329 SH SOLE 0 0 74,329
ISHARES TR S&P 100 ETF 464287101 3,421,161 10,756 SH SOLE 0 0 10,756
ISHARES TR CORE HIGH DV ETF 46429B663 2,643,382 19,477 SH SOLE 0 0 19,477
ISHARES GOLD TR ISHARES NEW 464285204 2,607,596 29,578 SH SOLE 0 0 29,578
ISHARES TR CORE S&P MCP ETF 464287507 2,583,471 38,257 SH SOLE 0 0 38,257
ISHARES TR EAFE GRWTH ETF 464288885 2,535,634 22,768 SH SOLE 0 0 22,768
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 2,487,185 26,392 SH SOLE 0 0 26,392
BLACKROCK ETF TRUST ISHARES US THEMA 09290C806 2,356,111 65,050 SH SOLE 0 0 65,050
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 2,329,866 68,911 SH SOLE 0 0 68,911
ISHARES TR SHRT NAT MUN ETF 464288158 2,075,579 19,489 SH SOLE 0 0 19,489
ISHARES TR U.S. TECH ETF 464287721 2,069,557 11,408 SH SOLE 0 0 11,408
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,969,204 19,039 SH SOLE 0 0 19,039
SPDR SERIES TRUST STATE STREET SPD 78468R721 1,962,587 43,286 SH SOLE 0 0 43,286
ISHARES TR JPMORGAN USD EMG 464288281 1,822,900 19,407 SH SOLE 0 0 19,407
ISHARES TR MSCI USA MMENTM 46432F396 1,807,365 7,531 SH SOLE 0 0 7,531
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,755,408 27,394 SH SOLE 0 0 27,394
BLACKROCK ETF TRUST ISHARES A I INNO 09290C780 1,711,199 51,933 SH SOLE 0 0 51,933
APPLE INC COM 037833100 1,695,063 6,679 SH SOLE 0 0 6,679
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 1,687,996 2,730 SH SOLE 0 0 2,730
ISHARES TR RUS 1000 GRW ETF 464287614 1,386,630 3,252 SH SOLE 0 0 3,252
ISHARES TR US TREAS BD ETF 46429B267 1,363,184 59,502 SH SOLE 0 0 59,502
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 1,341,612 27,419 SH SOLE 0 0 27,419
SPDR SERIES TRUST STATE STREET SPD 78464A409 1,066,044 10,888 SH SOLE 0 0 10,888
ISHARES TR CONV BD ETF 46435G102 1,005,889 9,882 SH SOLE 0 0 9,882
ISHARES TR CORE US AGGBD ET 464287226 849,188 8,554 SH SOLE 0 0 8,554
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 839,948 16,836 SH SOLE 0 0 16,836
ISHARES TR MSCI USA MIN VOL 46429B697 763,436 8,232 SH SOLE 0 0 8,232
ISHARES TR RUSSELL 2000 ETF 464287655 717,216 2,892 SH SOLE 0 0 2,892
ISHARES INC MSCI EMRG CHN 46434G764 682,297 8,674 SH SOLE 0 0 8,674
ENTERPRISE PRODS PARTNERS L COM 293792107 609,110 16,097 SH SOLE 0 0 16,097
VANGUARD STAR FDS VG TL INTL STK F 921909768 598,528 7,762 SH SOLE 0 0 7,762
PROCTER & GAMBLE CO COM 742718109 584,115 4,044 SH SOLE 0 0 4,044
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 478,242 998 SH SOLE 0 0 998
NVIDIA CORPORATION COM 67066G104 472,634 2,710 SH SOLE 0 0 2,710
ISHARES TR ESG AWARE MSCI 46435U663 352,650 7,500 SH SOLE 0 0 7,500
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 346,862 532 SH SOLE 0 0 532
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 333,433 558 SH SOLE 0 0 558
JOHNSON & JOHNSON COM 478160104 331,216 1,355 SH SOLE 0 0 1,355
ISHARES TR RUS 1000 ETF 464287622 330,447 927 SH SOLE 0 0 927
VANGUARD INDEX FDS MID CAP ETF 922908629 326,811 1,138 SH SOLE 0 0 1,138
MICROSOFT CORP COM 594918104 323,529 874 SH SOLE 0 0 874
WALMART INC COM 931142103 293,885 2,360 SH SOLE 0 0 2,360
ISHARES TR 20 YR TR BD ETF 464287432 285,730 3,296 SH SOLE 0 0 3,296
ISHARES TR HIGH YLD SYSTM B 46435G250 247,486 5,320 SH SOLE 0 0 5,320
JPMORGAN CHASE & CO COM 46625H100 246,800 839 SH SOLE 0 0 839
ABBVIE INC COM 00287Y109 242,719 1,116 SH SOLE 0 0 1,116
ISHARES TR RUS MID CAP ETF 464287499 229,074 2,356 SH SOLE 0 0 2,356
AMAZON COM INC COM 023135106 216,184 1,038 SH SOLE 0 0 1,038
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 215,141 7,725 SH SOLE 0 0 7,725
ISHARES TR ESG AWR MSCI USA 46435G425 211,706 1,497 SH SOLE 0 0 1,497
BLACKSTONE INC COM 09260D107 210,662 1,832 SH SOLE 0 0 1,832