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
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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
AMAZON COM INC COM Stock 023135106 1,191,186 4,781 SH SOLE 4,781 0 0
POWERSHARES QQQ TR ETF 46090E103 287,770 389 SH SOLE 389 0 0
JOHNSON & JOHNSON COM Stock 478160104 515,198 1,946 SH SOLE 1,946 0 0
VANGUARD MORNINGSTAR TOTAL STK MKT ETF 922908769 2,446,406 6,537 SH SOLE 6,537 0 0
VDE - VANGUARD ENERGY ETF ETF 92204A306 1,122,486 6,520 SH SOLE 6,520 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 328,606 4,920 SH SOLE 4,920 0 0
COCA COLA CO COM Stock 191216100 1,842,112 21,400 SH SOLE 21,400 0 0
ENTERPRISE PRODS PARTNERS L P COM Stock 293792107 258,564 7,261 SH SOLE 7,261 0 0
VANGUARD REIT INDEX ETF ETF 922908553 3,520,242 39,275 SH SOLE 39,275 0 0
SPDR S&P 500 ETF ETF 78462F103 1,495,517 1,961 SH SOLE 1,961 0 0
VSS - VANGUARD FTSE ALL WORLD EX-US SMALL CAP ETF ETF 922042718 1,649,376 10,624 SH SOLE 10,624 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 443,420 3,540 SH SOLE 3,540 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF ETF 808524201 1,074,570 35,819 SH SOLE 35,819 0 0
SCHG SCHWAB US LARGE CAP GROWTH ETF ETF 808524300 545,597 15,185 SH SOLE 15,185 0 0
IBDS-ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9 7,100,109 294,366 SH SOLE 294,366 0 0
VANGUARD SHORT-TERM CORPORATE BOND ETF ETF 92206C409 403,167 5,219 SH SOLE 5,219 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870 394,290 5,035 SH SOLE 5,035 0 0
GOOGLE INC Stock 02079K305 275,264 800 SH SOLE 800 0 0
MICROSOFT Stock 594918104 1,274,043 2,484 SH SOLE 2,484 0 0
ISHARES FUTURE AI & TECH ETF ETF 46435U556 291,428 3,721 SH SOLE 3,721 0 0
VANGUARD MORNINGSTAR SMALL CAP ETF ETF 922908751 12,086,590 42,485 SH SOLE 42,485 0 0
VANGUARD MORNNGSTAR MID CAP ETF ETF 922908629 18,534,965 236,355 SH SOLE 236,355 0 0
IBDT-ISHARES IBONDS DEC 2028 TERM CORPORATE ETF ETF 46435U515 7,131,067 285,699 SH SOLE 285,699 0 0
TESLA INC COM Stock 88160R101 342,391 965 SH SOLE 965 0 0
VHT - VANGUARD HEALTH CARE ETF ETF 92204A504 4,180,790 13,227 SH SOLE 13,227 0 0
VDC - VANGUARD CONSUMER STAPLES ETF ETF 92204A207 898,370 4,117 SH SOLE 4,117 0 0
VIS - VANGUARD INDUSTRIALS ETF ETF 92204A603 3,009,909 9,391 SH SOLE 9,391 0 0
VGT - VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702 21,210,846 168,782 SH SOLE 168,782 0 0
SCHV SCHWAB US LARGE CAP VALUE ETF ETF 808524409 229,839 6,900 SH SOLE 6,900 0 0
VANGUARD S&P 500 ETF ETF 922908363 213,523 304 SH SOLE 304 0 0
IBMO-ISHARES IBONDS DEC 2026 TERM MUNI BOND ETF ETF 46435U259 4,540,869 177,101 SH SOLE 177,101 0 0
VANGUARD COMMUNICATION SERVICES ETF ETF 92204A884 3,527,167 18,506 SH SOLE 18,506 0 0
IBMQ-ISHARES IBONDS DEC 2028 TERM MUNI BOND ETF ETF 46435U325 7,627,677 303,408 SH SOLE 303,408 0 0
IBMP-ISHARES IBONDS DEC 2027 TERM MUNI BOND ETF ETF 46435U283 7,006,598 277,599 SH SOLE 277,599 0 0
CAPITAL BANCORP INC MD COM Stock 139737100 282,403 7,184 SH SOLE 7,184 0 0
ELI LILLY & CO COM Stock 532457108 262,657 227 SH SOLE 227 0 0
SCHWAB US MID-CAP ETF ETF 808524508 348,194 10,235 SH SOLE 10,235 0 0
IBDU - ISHARES IBONDS DEC 2029 TERM CORPORATE ETF ETF 46436E205 7,035,180 310,056 SH SOLE 310,056 0 0
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 549,011 6,462 SH SOLE 6,462 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655 386,267 1,390 SH SOLE 1,390 0 0
IBDV - ISHARES IBONDS DEC 2030 TERM CORPORATE ETF ETF 46436E726 6,713,583 317,577 SH SOLE 317,577 0 0
VANGUARD MORNINGSTAR SMALL CAP VALUE ETF ETF 922908611 13,244,748 57,329 SH SOLE 57,329 0 0
VANGUARD MORNINGSTAR MID CAP GROWTH ETF ETF 922908538 24,885,199 85,194 SH SOLE 85,194 0 0
IBDW - ISHARES IBONDS DEC 2031 TERM CORPORATE ETF ETF 46436E486 6,486,484 323,354 SH SOLE 323,354 0 0
VANGUARD MORNINGSTAR SMALL CAP GROWTH ETF ETF 922908595 17,513,648 51,841 SH SOLE 51,841 0 0
VANGUARD MORNINGSTAR VALUE ETF ETF 922908744 225,803 1,045 SH SOLE 1,045 0 0
VANGUARD MORNINGSTAR GROWTH ETF ETF 922908736 543,092 6,027 SH SOLE 6,027 0 0
META PLATFORMS INC CL A Stock 30303M102 252,362 348 SH SOLE 348 0 0
VANGUARD MATERIALS ETF ETF 92204A801 3,380,980 15,497 SH SOLE 15,497 0 0
IBDX-ISHARES IBONDS DEC 2032 TERM CORPORATE ETF ETF 46436E312 5,262,761 218,644 SH SOLE 218,644 0 0
BROADCOM INC COM Stock 11135F101 228,273 650 SH SOLE 650 0 0
NVIDIA CORPORATION COM Stock 67066G104 1,510,733 6,615 SH SOLE 6,615 0 0
IBDR-ISHARES IBONDS DEC 2029 TERM MUNI BOND ETF ETF 46436E163 6,425,892 259,842 SH SOLE 259,842 0 0
MCDONALDS CORP COM Stock 580135101 339,712 1,471 SH SOLE 1,471 0 0
ISHARES TR RUSSELL MIDCAP INDEX FD ETF 464287499 480,195 4,500 SH SOLE 4,500 0 0
TELOMIR PHARMACEUTICALS INC COM Stock 87975F104 24,000 20,000 SH SOLE 20,000 0 0
VANGUARD FINANCIALS ETF ETF 92204A405 2,806,561 21,574 SH SOLE 21,574 0 0
IBDS-ISHARES IBONDS DEC 2030 TERM MUNI BOND ETF ETF 46438G687 5,743,800 229,752 SH SOLE 229,752 0 0
ISHARES U.S. TECHNOLOGY ETF ETF 464287721 211,920 800 SH SOLE 800 0 0
IVE - ISHARES S&0 500 VALUE ETF ETF 464287408 29,023,975 127,142 SH SOLE 127,142 0 0
IVW - ISHARES S&P 500 GROWTH ETF ETF 464287309 44,140,290 310,279 SH SOLE 310,279 0 0
ISHARES S&P 500 INDEX ETF 464287200 3,661,034 4,870 SH SOLE 4,780 0 0
IBDR-ISHARES I BONDS DEC 2026 CORPORATE ETF ETF 46435GAA0 4,832,759 199,371 SH SOLE 199,371 0 0
VANGUARD MORNINGSTAR MID CAP VALUE ETF ETF 922908512 20,591,322 105,310 SH SOLE 105,310 0 0
VANGUARD 0-3 MONTH TREASURY BILL ETF ETF 922040845 1,377,801 18,196 SH SOLE 18,196 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 43,154,006 611,159 SH SOLE 611,159 0 0
IBMT-ISHARES IBONDS DEC 2031 TERM MUNI BOND ETF ETF 46438G356 3,915,835 158,793 SH SOLE 158,793 0 0
VCR - VANGUARD CONSUMER DISCRETIONARY ETF ETF 92204A108 3,119,837 8,555 SH SOLE 8,555 0 0
STATE STREET SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 2,878,863 31,275 SH SOLE 31,275 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 20,415,766 344,221 SH SOLE 344,221 0 0
ALPHABET INC CAP STK CL C Stock 02079K107 689,998 2,025 SH SOLE 2,025 0 0
AMGEN INC Stock 031162100 266,815 633 SH SOLE 633 0 0
APPLIED MATLS INC COM Stock 038222105 226,536 442 SH SOLE 442 0 0
VPU - VANGUARD UTILITIES ETF ETF 92204A876 3,112,507 18,201 SH SOLE 18,201 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 661,667 2,836 SH SOLE 2,836 0 0
VANGUARD MORNINGSTAR MEGA CAP GROWTH ETF ETF 921910816 80,590,393 869,836 SH SOLE 869,836 0 0
VANGUARD MORNINGSTAR MEGA CAP ETF ETF 921910873 27,231,231 96,458 SH SOLE 96,458 0 0
VANGUARD MORNINGSTAR MEGA CAP VALUE ETF ETF 921910840 61,679,845 382,890 SH SOLE 382,890 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507 215,562 2,996 SH SOLE 2,996 0 0
ISHARES MSCI EAFE ETF ETF 464287465 410,053 3,947 SH SOLE 3,947 0 0
APPLE INC Stock 037833100 6,303,961 18,929 SH SOLE 18,929 0 0
ISHARES RUSSELL 1000 ETF ETF 464287622 1,242,148 2,985 SH SOLE 2,985 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 353,300 1,425 SH SOLE 1,425 0 0