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
ALPHABET INC CAP STK CL A 02079K305 286,963 834 SH SOLE 0 0 0 834
ALPHABET INC CAP STK CL C 02079K107 294,399 864 SH SOLE 0 0 0 864
AMAZON COM INC COM 023135106 477,870 1,918 SH SOLE 0 0 0 1,918
AMERICAN CENTY ETF TR US SML CP VALU 025072877 347,244 2,948 SH SOLE 0 0 0 2,948
APPLE INC COM 037833100 773,778 2,324 SH SOLE 0 0 0 2,324
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 2,783,173 40,184 SH SOLE 0 0 0 40,184
BLACKROCK ETF TRUST ISHA US THEM ETF 09290C806 933,943 21,236 SH SOLE 0 0 0 21,236
BLACKROCK ETF TRUST ISHA LA CORE ETF 09290C855 903,701 18,458 SH SOLE 0 0 0 18,458
BLACKROCK ETF TRUST ISHA I IN TE ETF 09290C780 938,896 19,896 SH SOLE 0 0 0 19,896
BLACKROCK ETF TRUST ISHA IN CTRY ETF 09290C764 1,380,347 37,974 SH SOLE 0 0 0 37,974
BLACKROCK ETF TRUST ISHA SYST AL ETF 09290C665 1,379,894 46,212 SH SOLE 0 0 0 46,212
BLACKROCK ETF TRUST II ISHAR BACKE ETF 092528793 837,077 17,844 SH SOLE 0 0 0 17,844
BLACKROCK ETF TRUST II ISHA GLO USD ETF 092528835 1,307,722 26,102 SH SOLE 0 0 0 26,102
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 1,175,666 23,148 SH SOLE 0 0 0 23,148
BONDBLOXX ETF TRUST BLOOMBERG TEN YR 09789C812 1,835,430 43,309 SH SOLE 0 0 0 43,309
BROADCOM INC COM 11135F101 231,785 660 SH SOLE 0 0 0 660
CAPITAL BANCORP INC MD COM 139737100 206,024 5,241 SH SOLE 0 0 0 5,241
CAPITAL GROUP INTERNATIONAL SHS 14021T102 309,228 8,594 SH SOLE 0 0 0 8,594
FIDELITY COVINGTON TRUST ENH MID COR ETF 31609A503 2,631,354 65,165 SH SOLE 0 0 0 65,165
FIDELITY COVINGTON TRUST EMERG MKTS MLTFT 316092543 1,617,174 45,503 SH SOLE 0 0 0 45,503
GLOBAL X FDS DEFENSE TECH ETF 37960A529 530,037 8,822 SH SOLE 0 0 0 8,822
INTEL CORP COM 458140100 207,156 1,723 SH SOLE 0 0 0 1,723
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339 623,701 4,115 SH SOLE 0 0 0 4,115
INVESCO QQQ TR UNIT SER 1 46090E103 286,186 387 SH SOLE 0 0 0 387
ISHARES INC CORE MSCI EMKT 46434G103 1,503,786 18,529 SH SOLE 0 0 0 18,529
ISHARES TR CORE MSCI TOTAL 46432F834 734,558 7,733 SH SOLE 0 0 0 7,733
ISHARES TR CORE MSCI EAFE 46432F842 21,907,762 226,133 SH SOLE 0 0 0 226,133
ISHARES TR MSCI USA QLT FCT 46432F339 724,244 3,259 SH SOLE 0 0 0 3,259
ISHARES TR 0-5 YR TIPS ETF 46429B747 560,824 5,625 SH SOLE 0 0 0 5,625
ISHARES TR SYSTEMATIC BD ET 46435U796 909,059 10,786 SH SOLE 0 0 0 10,786
ISHARES TR ESG AW MSCI EAFE 46435G516 385,443 3,740 SH SOLE 0 0 0 3,740
ISHARES TR CORE UNIVRSL USD 46434V613 5,006,981 113,563 SH SOLE 0 0 0 113,563
ISHARES TR CONV BD ETF 46435G102 551,273 4,881 SH SOLE 0 0 0 4,881
ISHARES TR CORE INTL AGGR 46435G672 276,307 5,616 SH SOLE 0 0 0 5,616
ISHARES TR US SML CAP EQT 46434V290 1,025,707 12,275 SH SOLE 0 0 0 12,275
ISHARES TR MSCI INTL VLU FT 46435G409 2,961,080 69,039 SH SOLE 0 0 0 69,039
ISHARES TR US TREAS BD ETF 46429B267 3,374,328 154,290 SH SOLE 0 0 0 154,290
ISHARES TR CORE S&P MCP ETF 464287507 428,556 5,956 SH SOLE 0 0 0 5,956
ISHARES TR S&P 500 VAL ETF 464287408 2,254,536 9,876 SH SOLE 0 0 0 9,876
ISHARES TR CORE S&P500 ETF 464287200 8,420,561 10,995 SH SOLE 0 0 0 10,995
ISHARES TR S&P 500 GRWT ETF 464287309 3,320,081 23,338 SH SOLE 0 0 0 23,338
ISHARES TR U.S. TECH ETF 464287721 539,601 2,037 SH SOLE 0 0 0 2,037
ISHARES TR S&P 100 ETF 464287101 247,588 648 SH SOLE 0 0 0 648
ISHARES TR CORE US AGGBD ET 464287226 218,482 2,311 SH SOLE 0 0 0 2,311
ISHARES TR MBS ETF 464288588 945,401 10,549 SH SOLE 0 0 0 10,549
ISHARES TR NATIONAL MUN ETF 464288414 536,942 5,311 SH SOLE 0 0 0 5,311
ISHARES TR MSCI ACWI EX US 464288240 2,772,514 36,664 SH SOLE 0 0 0 36,664
ISHARES TR EAFE VALUE ETF 464288877 582,550 7,361 SH SOLE 0 0 0 7,361
J P MORGAN EXCHANGE TRADED F DIVERSFED RTRN 46641Q886 2,007,424 16,878 SH SOLE 0 0 0 16,878
META PLATFORMS INC CL A 30303M102 237,859 328 SH SOLE 0 0 0 328
MICROSOFT CORP COM 594918104 568,293 1,108 SH SOLE 0 0 0 1,108
NORTHROP GRUMMAN CORP COM 666807102 1,227,072 2,538 SH SOLE 0 0 0 2,538
NVIDIA CORPORATION COM 67066G104 761,876 3,336 SH SOLE 0 0 0 3,336
RBB FD INC F/M US TREASURY 74933W452 403,811 8,101 SH SOLE 0 0 0 8,101
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,897,307 55,770 SH SOLE 0 0 0 55,770
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 4,286,350 193,953 SH SOLE 0 0 0 193,953
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 410,347 14,938 SH SOLE 0 0 0 14,938
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 594,986 11,850 SH SOLE 0 0 0 11,850
SPDR SERIES TRUST ST STR P500ETF 78464A854 7,293,071 81,251 SH SOLE 0 0 0 81,251
SPDR SERIES TRUST ST STR P500VAL 78464A508 411,700 6,735 SH SOLE 0 0 0 6,735
SPDR SERIES TRUST ST STR P500GRW 78464A409 756,673 6,148 SH SOLE 0 0 0 6,148
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 309,782 4,416 SH SOLE 0 0 0 4,416
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 12,747,950 58,996 SH SOLE 0 0 0 58,996
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 5,072,380 17,830 SH SOLE 0 0 0 17,830
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 12,977,271 144,016 SH SOLE 0 0 0 144,016
VANGUARD INSTL INDEX FD 0 3 MO TR BI ETF 922040845 3,027,915 39,988 SH SOLE 0 0 0 39,988
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 214,229 2,582 SH SOLE 0 0 0 2,582
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,190,705 14,111 SH SOLE 0 0 0 14,111
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,890,910 65,603 SH SOLE 0 0 0 65,603
VANGUARD MUN BD FDS INTERMEDIATE TRM 922907738 2,090,630 21,927 SH SOLE 0 0 0 21,927
VANGUARD MUN BD FDS LONG TERM TAX EX 922907688 854,632 8,895 SH SOLE 0 0 0 8,895
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 335,767 5,926 SH SOLE 0 0 0 5,926
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 314,245 7,076 SH SOLE 0 0 0 7,076
VANGUARD STAR FDS VG TL INTL STK F 921909768 240,947 2,836 SH SOLE 0 0 0 2,836
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870 226,386 2,296 SH SOLE 0 0 0 2,296
VANGUARD WORLD FD ESG US STK ETF 921910733 232,977 1,719 SH SOLE 0 0 0 1,719
WALMART INC COM 931142103 262,814 2,529 SH SOLE 0 0 0 2,529
WORLD GOLD TR SPDR GLD MINIS 98149E303 557,344 6,782 SH SOLE 0 0 0 6,782