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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 277,353 1,513 SH SOLE 0 0 1,513
AKEBIA THREAPEUTICS INC COM 00972D105 34,348 37,335 SH SOLE 0 0 37,335
ALPHABET INC CAP STK CL C 02079K107 458,954 1,347 SH SOLE 0 0 1,347
AMAZON COM INC COM 023135106 704,044 2,826 SH SOLE 0 0 2,826
AMERICAN EXPRESS CO COM 025816109 459,867 1,512 SH SOLE 0 0 1,512
AMERIPRISE FINL INC COM 03076C106 540,927 1,099 SH SOLE 0 0 1,099
ANHEUSER BUSCH INBEV SA NV SPONSORED ADR 03524A108 418,496 5,696 SH SOLE 0 0 5,696
APPLE INC COM 037833100 2,039,109 6,123 SH SOLE 0 0 6,123
ARISTA NETWORKS INC COM SHS 040413205 743,695 3,653 SH SOLE 0 0 3,653
ASTRAZENECA PLC ORD G0593M107 361,821 2,241 SH SOLE 0 0 2,241
BANK OF AMER CORP COM 060505104 304,960 5,603 SH SOLE 0 0 5,603
BARRICK MNG CORP COM SHS 06849F108 640,299 15,744 SH SOLE 0 0 15,744
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 491,077 986 SH SOLE 0 0 986
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,988,020 4 SH SOLE 0 0 4
BLACKSTONE INC COM 09260D107 479,480 4,278 SH SOLE 0 0 4,278
COSTCO WHOLESALE CORPORATION COM 22160K105 568,336 624 SH SOLE 0 0 624
CSX CORP COM 126408103 386,461 8,309 SH SOLE 0 0 8,309
DUPONT DE NEMOURS INC COMMON STOCK 26614N201 323,976 2,494 SH SOLE 0 0 2,494
ELI LILLY & CO COM 532457108 560,535 484 SH SOLE 0 0 484
EQUINIX INC COM 29444U700 286,659 283 SH SOLE 0 0 283
ISHARES TR ISHS 1-5YR INVS 464288646 243,899 4,761 SH SOLE 0 0 4,761
ISHARES TR RUS 1000 GRW ETF 464287614 248,391 1,983 SH SOLE 0 0 1,983
ISHARES TR IBONDS DEC 2034 46438G653 256,078 10,397 SH SOLE 0 0 10,397
ISHARES TR S&P SML 600 GWT 464287887 283,143 1,766 SH SOLE 0 0 1,766
ISHARES TR FUTU EXPO TE ETF 46434V381 356,702 4,277 SH SOLE 0 0 4,277
ISHARES TR IBONDS DEC 27 46435U283 467,268 18,513 SH SOLE 0 0 18,513
ISHARES TR MSCI USA MIN ETF 46429B697 582,594 5,979 SH SOLE 0 0 5,979
ISHARES TR IBONDS DEC 28 46435U325 629,179 25,027 SH SOLE 0 0 25,027
ISHARES TR IBONDS DEC 2030 46438G687 901,100 36,044 SH SOLE 0 0 36,044
ISHARES TR IBONDS DEC 2029 46436E167 915,925 37,037 SH SOLE 0 0 37,037
ISHARES TR CORE S&P SCP ETF 464287804 4,436,371 32,611 SH SOLE 0 0 32,611
ISHARES TR CORE S&P MCP ETF 464287507 4,521,738 62,846 SH SOLE 0 0 62,846
ISHARES TR IBONDS 27 ETF 46435UAA9 7,701,441 319,297 SH SOLE 0 0 319,297
ISHARES TR IBONDS DEC 29 46436E209 7,757,450 341,888 SH SOLE 0 0 341,888
ISHARES TR IBDS DEC28 ETF 46435U515 7,915,362 317,122 SH SOLE 0 0 317,122
ISHARES TR IBONDS DEC 2032 46436E312 12,291,007 510,636 SH SOLE 0 0 510,636
ISHARES TR IBONDS DEC 2031 46436E486 12,345,717 615,440 SH SOLE 0 0 615,440
ISHARES TR IBONDS DEC 2030 46436E726 12,595,945 595,835 SH SOLE 0 0 595,835
ISHARES TR FLTG RATE NT ETF 46429B655 14,107,613 276,349 SH SOLE 0 0 276,349
ISHARES TR CORE S&P500 ETF 464287200 32,123,770 41,945 SH SOLE 0 0 41,945
KROGER CO COM 501044101 363,380 6,199 SH SOLE 0 0 6,199
MARVELL TECHNOLOGY INC COM 573874104 635,572 2,406 SH SOLE 0 0 2,406
MASTERCARD INCORPORATED CL A 57636Q104 347,441 630 SH SOLE 0 0 630
META PLATFORMS INC CL A 30303M102 738,363 1,018 SH SOLE 0 0 1,018
MICROSOFT CORP COM 594918104 2,491,585 4,858 SH SOLE 0 0 4,858
MODERNA INC COM 60770K107 473,387 2,458 SH SOLE 0 0 2,458
MOTOROLA SOLUTIONS INC COM NEW 620076307 429,172 962 SH SOLE 0 0 962
NETFLIX INC COM 64110L106 802,249 11,530 SH SOLE 0 0 11,530
NVIDIA CORPORATION COM 67066G104 969,801 4,246 SH SOLE 0 0 4,246
PHILLIPS 66 COM 718546104 555,290 2,175 SH SOLE 0 0 2,175
QUANTA SVCS INC COM 74762E106 479,818 747 SH SOLE 0 0 747
QUEST DIAGNOSTICS INC COM 74834L100 393,101 1,687 SH SOLE 0 0 1,687
RTX CORPORATION COM 75513E105 344,707 1,857 SH SOLE 0 0 1,857
SEMPRA COM 816851109 356,991 4,579 SH SOLE 0 0 4,579
SHELL PLC SPON ADS 780259305 390,903 4,113 SH SOLE 0 0 4,113
SOUTHERN CO COM 842587107 385,756 4,654 SH SOLE 0 0 4,654
SPACE EXPLORATION TECHN CORP CLASS A COM STK 84615Q103 392,475 2,602 SH SOLE 0 0 2,602
SPDR SERIES TRUST ST STR P500ETF 78464A854 540,481 6,021 SH SOLE 0 0 6,021
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 13,841,489 151,042 SH SOLE 0 0 151,042
SPDR SERIES TRUST ST STR P500GRW 78464A409 19,302,417 156,828 SH SOLE 0 0 156,828
STARBUCKS CORP COM 855244109 469,598 4,998 SH SOLE 0 0 4,998
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,199,617 1,573 SH SOLE 0 0 1,573
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 820,725 1,799 SH SOLE 0 0 1,799
TEXAS INSTRS INC COM 882508104 439,418 1,569 SH SOLE 0 0 1,569
TJX COS INC NEW COM 872540109 242,192 1,830 SH SOLE 0 0 1,830
T-MOBILE US INC COM 872590104 473,412 2,903 SH SOLE 0 0 2,903
TOLL BROTHERS INC COM 889478103 384,837 2,856 SH SOLE 0 0 2,856
TRANE TECHNOLOGIES PLC SHS G8994E103 529,866 1,172 SH SOLE 0 0 1,172
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 422,619 603 SH SOLE 0 0 603
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 24,168,791 342,286 SH SOLE 0 0 342,286
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 12,820,212 82,604 SH SOLE 0 0 82,604
VANGUARD WORLD FD MRNGSTR VAL ETF 921910840 16,153,325 100,275 SH SOLE 0 0 100,275