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
3M CO COM 88579Y101 291,516 1,822 SH SOLE 0 0 1,822
ABBVIE INC COM 00287Y109 1,152,211 4,168 SH SOLE 0 0 4,168
ADOBE INC COM 00724F101 255,110 1,053 SH SOLE 0 0 1,053
ADVANCED MICRO DEVICES INC COM 007903107 1,573,155 2,587 SH SOLE 0 0 2,587
AEGON LTD AMER REG 1 CERT 0076CA104 86,124 10,452 SH SOLE 0 0 10,452
AFLAC INC COM 001055102 249,583 2,179 SH SOLE 0 0 2,179
ALLSTATE CORP COM 020002101 224,612 979 SH SOLE 0 0 979
ALPHABET INC CAP STK CL A 02079K305 3,435,384 9,769 SH SOLE 0 0 9,769
ALPHABET INC CAP STK CL C 02079K107 3,778,580 10,862 SH SOLE 0 0 10,862
ALTRIA GROUP INC COM 02209S103 721,230 10,062 SH SOLE 0 0 10,062
AMAZON COM INC COM 023135106 3,609,200 13,753 SH SOLE 0 0 13,753
AMERICAN ELEC PWR CO INC COM 025537101 375,553 3,058 SH SOLE 0 0 3,058
AMETEK INC COM 031100100 1,955,827 7,868 SH SOLE 0 0 7,868
AMGEN INC COM 031162100 416,297 1,003 SH SOLE 0 0 1,003
APA CORPORATION COM 03743Q108 200,496 4,370 SH SOLE 0 0 4,370
APPLE INC COM 037833100 62,380,221 185,302 SH SOLE 0 0 185,302
APPLIED MATLS INC COM 038222105 240,332 474 SH SOLE 0 0 474
ARISTA NETWORKS INC COM SHS 040413205 817,110 3,770 SH SOLE 0 0 3,770
ARTERIS INC COM 04302A104 1,596,651 71,152 SH SOLE 0 0 71,152
ASML HLDG NV N Y REGISTRY SHS N07059210 211,860 119 SH SOLE 0 0 119
ASTERA LABS INC COM 04626A103 262,133 766 SH SOLE 0 0 766
AT&T INC COM 00206R102 374,400 16,880 SH SOLE 0 0 16,880
BALLARD PWR SYS INC NEW COM 058586108 20,754 10,866 SH SOLE 0 0 10,866
BANCO SANTANDER SA ADR 05964H105 145,625 10,795 SH SOLE 0 0 10,795
BANK OF AMER CORP COM 060505104 656,926 12,094 SH SOLE 0 0 12,094
BANK OF MONTREAL COM 063671101 278,029 1,710 SH SOLE 0 0 1,710
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,529,329 2,966 SH SOLE 0 0 2,966
BHP BILLITON LIMITED SPONSORED ADS 088606108 339,861 3,918 SH SOLE 0 0 3,918
BLACKSTONE INC COM 09260D107 308,469 2,699 SH SOLE 0 0 2,699
BLOCK H & R INC COM 093671105 532,388 12,086 SH SOLE 0 0 12,086
BOEING CO COM 097023105 261,568 1,374 SH SOLE 0 0 1,374
BOSTON SCIENTIFIC CORP COM 101137107 449,648 10,523 SH SOLE 0 0 10,523
BP PLC SPONSORED ADR 055622104 205,581 4,445 SH SOLE 0 0 4,445
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 346,265 6,239 SH SOLE 0 0 6,239
BROADCOM INC COM 11135F101 882,158 2,440 SH SOLE 0 0 2,440
BURLINGTON STORES INC COM 122017106 285,002 1,029 SH SOLE 0 0 1,029
CADENCE DESIGN SYSTEM INC COM 127387108 561,721 1,592 SH SOLE 0 0 1,592
CANADIAN IMPERIAL BANK OF CO COM 136069101 928,746 8,505 SH SOLE 0 0 8,505
CANADIAN NAT RES LTD MED TER COM 136385101 335,634 6,760 SH SOLE 0 0 6,760
CANADIAN NATL RY CO COM 136375102 706,680 6,000 SH SOLE 0 0 6,000
CANADIAN PACIFIC KANSAS CITY COM 13646K108 585,730 6,935 SH SOLE 0 0 6,935
CATERPILLAR INC COM 149123101 1,253,735 1,566 SH SOLE 0 0 1,566
CENTERPOINT ENERGY INC COM 15189T107 234,032 6,063 SH SOLE 0 0 6,063
CHARLES SCHWAB CORP (THE) COM 808513105 381,620 3,946 SH SOLE 0 0 3,946
CHEVRON CORPORATION COM 166764100 735,861 3,471 SH SOLE 0 0 3,471
CHIME FINL INC COM SHS CL A 16935C109 364,570 12,120 SH SOLE 0 0 12,120
CISCO SYS INC COM 17275R102 830,413 7,014 SH SOLE 0 0 7,014
CNA FINL CORP COM 126117100 226,833 4,913 SH SOLE 0 0 4,913
COCA COLA CO COM 191216100 313,830 3,564 SH SOLE 0 0 3,564
COCA COLA CONS INC COM 191098102 286,054 1,458 SH SOLE 0 0 1,458
COLGATE PALMOLIVE CO COM 194162103 427,035 4,838 SH SOLE 0 0 4,838
COMFORT SYS USA INC COM 199908104 459,805 268 SH SOLE 0 0 268
CONAGRA BRANDS INC COM 205887102 153,031 11,344 SH SOLE 0 0 11,344
CONOCOPHILLIPS COM 20825C104 217,242 1,620 SH SOLE 0 0 1,620
CONSOLIDATED EDISON INC COM 209115104 673,205 6,345 SH SOLE 0 0 6,345
CONSTELLATION ENERGY CORP COM 21037T109 407,760 1,368 SH SOLE 0 0 1,368
CORNING INC COM 219350105 234,653 1,498 SH SOLE 0 0 1,498
CORTEVA INC COM 22052L104 198,710 15,008 SH SOLE 0 0 15,008
COSTCO WHOLESALE CORPORATION COM 22160K105 728,597 769 SH SOLE 0 0 769
CROWDSTRIKE HLDGS INC CL A 22788C105 297,043 1,080 SH SOLE 0 0 1,080
DBX ETF TR XTRACK MSCI EAFE 233051200 678,210 12,354 SH SOLE 0 0 12,354
DEERE & CO COM 244199105 1,375,640 2,215 SH SOLE 0 0 2,215
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 1,162,533 25,646 SH SOLE 0 0 25,646
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 235,058 4,211 SH SOLE 0 0 4,211
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 246,730 6,654 SH SOLE 0 0 6,654
DISNEY WALT CO COM 254687106 266,035 2,462 SH SOLE 0 0 2,462
DUKE ENERGY CORP NEW COM NEW 26441C204 474,182 4,065 SH SOLE 0 0 4,065
EATON CORP PLC SHS G29183103 381,529 888 SH SOLE 0 0 888
ELI LILLY & CO COM 532457108 5,205,301 4,414 SH SOLE 0 0 4,414
ENTERGY CORP NEW COM 29364G103 216,291 2,104 SH SOLE 0 0 2,104
EVERGY INC COM 30034W106 231,627 2,861 SH SOLE 0 0 2,861
EXELON CORP COM 30161N101 392,711 9,404 SH SOLE 0 0 9,404
EXPEDIA GROUP INC COM NEW 30212P303 657,854 2,399 SH SOLE 0 0 2,399
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 531,992 3,149 SH SOLE 0 0 3,149
FIRSTENERGY CORP COM 337932107 231,030 5,134 SH SOLE 0 0 5,134
GAMING & LEISURE P COM 36467J108 259,806 6,787 SH SOLE 0 0 6,787
GE AEROSPACE COM NEW 369604301 297,428 965 SH SOLE 0 0 965
GE VERNOVA INC COM 36828A101 327,598 326 SH SOLE 0 0 326
GENERAL MILLS INC COM 370334104 262,485 8,129 SH SOLE 0 0 8,129
HEWLETT PACKARD ENTERPRISE C COM 42824C109 480,644 6,543 SH SOLE 0 0 6,543
HOME DEPOT INC COM 437076102 282,673 972 SH SOLE 0 0 972
HOWMET AEROSPACE INC COM 443201108 212,871 945 SH SOLE 0 0 945
HP INC COM 40434L105 317,432 10,511 SH SOLE 0 0 10,511
ILLINOIS TOOL WKS INC COM 452308109 247,565 937 SH SOLE 0 0 937
INTEL CORP COM 458140100 794,740 7,591 SH SOLE 0 0 7,591
INTERNATIONAL BUSINESS MACHS COM 459200101 483,237 2,128 SH SOLE 0 0 2,128
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 4,018,509 180,526 SH SOLE 0 0 180,526
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 664,552 31,185 SH SOLE 0 0 31,185
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 572,546 9,592 SH SOLE 0 0 9,592
INVESCO QQQ TR UNIT SER 1 46090E103 4,353,150 5,794 SH SOLE 0 0 5,794
ISHARES INC CORE MSCI EMKT 46434G103 33,463,981 411,105 SH SOLE 0 0 411,105
ISHARES INC EMNG MKTS EQT 46434G889 537,214 7,524 SH SOLE 0 0 7,524
ISHARES INC MSCI EMRG CHN 46434G764 3,385,680 34,192 SH SOLE 0 0 34,192
ISHARES INC MSCI EQUAL WEITE 464286681 4,917,636 43,039 SH SOLE 0 0 43,039
ISHARES TR 0-3 MTH TREASURY 46436E718 23,777,211 236,566 SH SOLE 0 0 236,566
ISHARES TR 0-5 YR TIPS ETF 46429B747 394,229 3,937 SH SOLE 0 0 3,937
ISHARES TR 10-20 YR TRS ETF 464288653 9,192,804 99,716 SH SOLE 0 0 99,716
ISHARES TR 20 YR TR BD ETF 464287432 1,335,431 17,125 SH SOLE 0 0 17,125
ISHARES TR CALIF MUN BD ETF 464288356 15,829,940 292,335 SH SOLE 0 0 292,335
ISHARES TR CORE 1 5 YR USD 46432F859 255,514 5,410 SH SOLE 0 0 5,410
ISHARES TR CORE MSCI EAFE 46432F842 7,325,916 75,900 SH SOLE 0 0 75,900
ISHARES TR CORE S&P MCP ETF 464287507 12,215,052 166,350 SH SOLE 0 0 166,350
ISHARES TR CORE S&P SCP ETF 464287804 2,595,702 18,871 SH SOLE 0 0 18,871
ISHARES TR CORE S&P TTL STK 464287150 220,388 1,299 SH SOLE 0 0 1,299
ISHARES TR CORE S&P500 ETF 464287200 80,559,789 103,022 SH SOLE 0 0 103,022
ISHARES TR CORE UNIVRSL USD 46434V613 71,373,438 1,616,979 SH SOLE 0 0 1,616,979
ISHARES TR EAFE GRWTH ETF 464288885 27,843,329 231,449 SH SOLE 0 0 231,449
ISHARES TR EAFE VALUE ETF 464288877 30,647,424 391,961 SH SOLE 0 0 391,961
ISHARES TR ESG AW MSCI EAFE 46435G516 493,997 4,821 SH SOLE 0 0 4,821
ISHARES TR ESG AWARE MSCI 46435U663 653,463 12,390 SH SOLE 0 0 12,390
ISHARES TR ESG AWR MSCI USA 46435G425 24,533,269 143,873 SH SOLE 0 0 143,873
ISHARES TR ESG AWR US AGRGT 46435U549 10,544,309 232,869 SH SOLE 0 0 232,869
ISHARES TR ESG AWRE 1 5 YR 46435G243 216,889 8,878 SH SOLE 0 0 8,878
ISHARES TR ESG AWRE USD ETF 46435G193 1,400,291 63,693 SH SOLE 0 0 63,693
ISHARES TR ESG MSCI LEADR 46435U218 1,469,889 10,581 SH SOLE 0 0 10,581
ISHARES TR EUROPE ETF 464287861 1,401,950 19,883 SH SOLE 0 0 19,883
ISHARES TR HDG MSCI EAFE 46434V803 225,855 4,866 SH SOLE 0 0 4,866
ISHARES TR ISHARES SEMICDTR 464287523 315,502 564 SH SOLE 0 0 564
ISHARES TR MSCI INTL VLU FT 46435G409 1,244,420 29,405 SH SOLE 0 0 29,405
ISHARES TR NATIONAL MUN ETF 464288414 226,824 2,244 SH SOLE 0 0 2,244
ISHARES TR RUS 1000 ETF 464287622 209,688 493 SH SOLE 0 0 493
ISHARES TR RUS 1000 GRW ETF 464287614 5,845,624 45,701 SH SOLE 0 0 45,701
ISHARES TR RUS 1000 VAL ETF 464287598 4,020,705 15,858 SH SOLE 0 0 15,858
ISHARES TR RUS 2000 GRW ETF 464287648 1,629,880 4,568 SH SOLE 0 0 4,568
ISHARES TR RUS 2000 VAL ETF 464287630 1,124,388 5,332 SH SOLE 0 0 5,332
ISHARES TR RUS MDCP VAL ETF 464287473 1,648,618 9,998 SH SOLE 0 0 9,998
ISHARES TR RUS MID CAP ETF 464287499 390,520 3,556 SH SOLE 0 0 3,556
ISHARES TR RUSSELL 2000 ETF 464287655 243,080 871 SH SOLE 0 0 871
ISHARES TR RUSSELL 3000 ETF 464287689 721,942 1,637 SH SOLE 0 0 1,637
ISHARES TR S&P 100 ETF 464287101 7,066,596 18,163 SH SOLE 0 0 18,163
ISHARES TR S&P 500 GRWT ETF 464287309 972,641 6,697 SH SOLE 0 0 6,697
ISHARES TR SELECT US REIT 464287564 570,537 8,904 SH SOLE 0 0 8,904
ISHARES TR SYSTEMATIC BD ET 46435U796 433,005 5,138 SH SOLE 0 0 5,138
JOHNSON & JOHNSON COM 478160104 707,060 2,704 SH SOLE 0 0 2,704
JPMORGAN CHASE & CO COM 46625H100 1,383,116 4,154 SH SOLE 0 0 4,154
KLA CORP COM NEW 482480100 834,302 4,266 SH SOLE 0 0 4,266
KROGER CO COM 501044101 249,765 4,052 SH SOLE 0 0 4,052
LAM RESEARCH CORP COM NEW 512807306 721,559 2,263 SH SOLE 0 0 2,263
LIFE360 INC COM 532206109 410,662 9,393 SH SOLE 0 0 9,393
LINDE PLC SHS G54950103 216,227 447 SH SOLE 0 0 447
LOCKHEED MARTIN CORP COM 539830109 255,305 501 SH SOLE 0 0 501
MARATHON PETE CORP COM 56585A102 303,050 666 SH SOLE 0 0 666
MASTERCARD INCORPORATED CL A 57636Q104 1,754,021 2,977 SH SOLE 0 0 2,977
MCDONALDS CORP COM 580135101 2,319,386 9,860 SH SOLE 0 0 9,860
MEDICAL PROPERTIES TRUST INC COM 58463J304 125,927 40,104 SH SOLE 0 0 40,104
MERCK & CO INC COM 58933Y105 856,710 5,884 SH SOLE 0 0 5,884
META PLATFORMS INC CL A 30303M102 5,759,355 8,014 SH SOLE 0 0 8,014
MICRON TECHNOLOGY INC COM 595112103 1,137,066 1,105 SH SOLE 0 0 1,105
MICROSOFT CORP COM 594918104 8,300,481 15,513 SH SOLE 0 0 15,513
MORGAN STANLEY COM NEW 617446448 213,012 1,121 SH SOLE 0 0 1,121
NETFLIX INC. COM 64110L106 1,142,844 16,257 SH SOLE 0 0 16,257
NEW JERSEY RES CORP COM 646025106 323,442 6,316 SH SOLE 0 0 6,316
NEWMARKET CORP COM 651587107 311,783 349 SH SOLE 0 0 349
NEXTERA ENERGY INC COM 65339F101 222,724 2,878 SH SOLE 0 0 2,878
NVIDIA CORPORATION COM 67066G104 9,796,578 42,728 SH SOLE 0 0 42,728
OGE ENERGY CORP COM 670837103 216,504 4,656 SH SOLE 0 0 4,656
ORACLE CORP COM 68389X105 565,463 3,999 SH SOLE 0 0 3,999
OVINTIV INC COM 69047Q102 204,097 3,195 SH SOLE 0 0 3,195
PALANTIR TECHNOLOGIES INC CL A 69608A108 773,485 3,700 SH SOLE 0 0 3,700
PAYPAL HLDGS INC COM 70450Y103 249,496 4,493 SH SOLE 0 0 4,493
PEPSICO INC COM 713448108 459,673 3,649 SH SOLE 0 0 3,649
PFIZER INC COM 717081103 204,375 7,227 SH SOLE 0 0 7,227
PHILIP MORRIS INTL INC COM 718172109 371,397 1,846 SH SOLE 0 0 1,846
PHILLIPS 66 COM 718546104 262,046 942 SH SOLE 0 0 942
PRICE T ROWE GROUP INC COM 74144T108 279,200 2,655 SH SOLE 0 0 2,655
PROCTER & GAMBLE CO COM 742718109 1,068,549 7,066 SH SOLE 0 0 7,066
PUBLIC SVC ENTERPRISE GROUP COM 744573106 224,502 3,106 SH SOLE 0 0 3,106
QUALCOMM INC COM 747525103 241,861 1,378 SH SOLE 0 0 1,378
RENOVORX INC COM NEW 75989R107 16,997 13,279 SH SOLE 0 0 13,279
ROYAL BK CDA COM 780087102 1,235,708 6,439 SH SOLE 0 0 6,439
RTX CORPORATION COM 75513E101 354,459 1,906 SH SOLE 0 0 1,906
S&P GLOBAL INC COM 78409V104 249,586 612 SH SOLE 0 0 612
SALESFORCE INC COM 79466L302 255,657 1,116 SH SOLE 0 0 1,116
SANDISK CORP COM 80004C200 325,855 206 SH SOLE 0 0 206
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 242,776 7,549 SH SOLE 0 0 7,549
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,385,120 87,463 SH SOLE 0 0 87,463
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 10,291,042 465,237 SH SOLE 0 0 465,237
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 10,401,670 283,116 SH SOLE 0 0 283,116
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 4,621,997 136,222 SH SOLE 0 0 136,222
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 287,311 9,377 SH SOLE 0 0 9,377
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,539,148 73,280 SH SOLE 0 0 73,280
SCHWAB STRATEGIC TR US TIPS ETF 808524870 382,963 15,209 SH SOLE 0 0 15,209
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 3,298,779 4,213 SH SOLE 0 0 4,213
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 212,191 3,260 SH SOLE 0 0 3,260
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 23,165,985 116,541 SH SOLE 0 0 116,541
SHOPIFY INC CL A SUB VTG SHS 82509L107 239,019 1,399 SH SOLE 0 0 1,399
SPDR SERIES TRUST ST LON TREAS ETF 78464A664 433,756 18,164 SH SOLE 0 0 18,164
SPDR SERIES TRUST ST STR P500GRW 78464A409 17,826,466 141,761 SH SOLE 0 0 141,761
SPDR SERIES TRUST ST STR P500VAL 78464A508 3,391,066 54,344 SH SOLE 0 0 54,344
SPDR SERIES TRUST ST STR SP500FF 78468R796 1,257,225 19,712 SH SOLE 0 0 19,712
SPDR SERIES TRUST ST STR SP600 SML 78468R853 2,315,243 43,316 SH SOLE 0 0 43,316
STATE STR CORP COM 857477103 227,305 1,299 SH SOLE 0 0 1,299
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 3,428,767 4,404 SH SOLE 0 0 4,404
STRYKER CORPORATION COM 863667101 226,583 817 SH SOLE 0 0 817
SYNOPSYS INC COM 871607107 3,778,006 7,408 SH SOLE 0 0 7,408
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 919,313 2,028 SH SOLE 0 0 2,028
TARGET CORP COM 87612E106 220,473 1,435 SH SOLE 0 0 1,435
TESLA INC COM 88160R101 2,816,672 7,360 SH SOLE 0 0 7,360
TEXAS INSTRS INC COM 882508104 433,368 1,527 SH SOLE 0 0 1,527
THE CIGNA GROUP COM 125523100 452,453 1,602 SH SOLE 0 0 1,602
TORONTO DOMINION BK ONT COM NEW 891160509 1,245,037 10,817 SH SOLE 0 0 10,817
TWILIO INC CL A 90138F102 827,595 2,859 SH SOLE 0 0 2,859
UNITEDHEALTH GROUP INC COM 91324P102 348,040 918 SH SOLE 0 0 918
UNITY SOFTWARE INC COM 91332U101 5,262,280 112,250 SH SOLE 0 0 112,250
UWM HOLDINGS CORPORATION COM CL A 91823B109 22,786 21,098 SH SOLE 0 0 21,098
VALERO ENERGY CORP COM 91913Y100 305,794 705 SH SOLE 0 0 705
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 310,715 515 SH SOLE 0 0 515
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 573,751 2,550 SH SOLE 0 0 2,550
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,856,043 37,393 SH SOLE 0 0 37,393
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 75,866,366 824,903 SH SOLE 0 0 824,903
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 2,835,207 34,942 SH SOLE 0 0 34,942
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 2,395,221 8,274 SH SOLE 0 0 8,274
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 621,038 1,626 SH SOLE 0 0 1,626
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 66,400,843 301,015 SH SOLE 0 0 301,015
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 260,957 2,879 SH SOLE 0 0 2,879
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 15,330,705 21,424 SH SOLE 0 0 21,424
VANGUARD INSTL INDEX FD 0 3 MO TR BI ETF 922040845 394,304 5,216 SH SOLE 0 0 5,216
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,223,323 20,471 SH SOLE 0 0 20,471
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 763,414 16,133 SH SOLE 0 0 16,133
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 215,287 2,785 SH SOLE 0 0 2,785
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,141,106 30,435 SH SOLE 0 0 30,435
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 665,676 7,036 SH SOLE 0 0 7,036
VANGUARD WORLD FD ESG INTL STK ETF 921910725 281,457 3,480 SH SOLE 0 0 3,480
VANGUARD WORLD FD ESG US STK ETF 921910733 3,506,951 25,409 SH SOLE 0 0 25,409
VANGUARD WORLD FD INF TECH ETF 92204A702 4,196,994 32,794 SH SOLE 0 0 32,794
VERIZON COMMUNICATIONS INC COM 92343V104 330,451 7,934 SH SOLE 0 0 7,934
VICI PPTYS INC COM 925652109 297,646 13,009 SH SOLE 0 0 13,009
VISA INC COM CL A 92826C839 2,212,868 5,741 SH SOLE 0 0 5,741
WALMART INC COM 931142103 758,130 6,809 SH SOLE 0 0 6,809
WELLS FARGO & CO COM 949746101 316,581 3,789 SH SOLE 0 0 3,789
WIPRO LTD SPON ADR 1 SH 97651M109 40,475 23,809 SH SOLE 0 0 23,809
WORLD GOLD TR SPDR GLD MINIS 98149E303 713,714 8,600 SH SOLE 0 0 8,600
ZIFF DAVIS INC COM 48123V102 241,680 4,276 SH SOLE 0 0 4,276