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 423,671 2,581 SH SOLE 0 0 2,581
ALPHABET INC CAP STK CL A 02079K305 3,896,732 11,325 SH SOLE 0 0 11,325
ALPHABET INC CAP STK CL C 02079K107 888,026 2,606 SH SOLE 0 0 2,606
AMAZON COM INC COM 023135106 998,593 4,008 SH SOLE 0 0 4,008
ANALOG DEVICES INC COM 032654105 228,902 577 SH SOLE 0 0 577
APPLE INC COM 037833100 2,460,274 7,388 SH SOLE 0 0 7,388
AT&T INC COM 00206R102 225,498 9,242 SH SOLE 0 0 9,242
BANK OF AMER CORP COM 060505104 367,511 6,752 SH SOLE 0 0 6,752
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,842,066 9,724 SH SOLE 0 0 9,724
BROADCOM INC COM 11135F101 467,083 1,330 SH SOLE 0 0 1,330
CATERPILLAR INC COM 149123101 247,291 305 SH SOLE 0 0 305
CHEVRON CORPORATION COM 166764100 1,775,247 8,693 SH SOLE 0 0 8,693
CORMEDIX INC COM 21900C308 985,615 128,002 SH SOLE 0 0 128,002
COSTCO WHOLESALE CORPORATION COM 22160K105 436,903 480 SH SOLE 0 0 480
DELL TECHNOLOGIES INC CL C 24703L202 1,373,386 2,553 SH SOLE 0 0 2,553
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 471,497 12,536 SH SOLE 0 0 12,536
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 417,059 10,067 SH SOLE 0 0 10,067
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 367,222 8,661 SH SOLE 0 0 8,661
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 314,306 7,071 SH SOLE 0 0 7,071
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 1,076,331 13,902 SH SOLE 0 0 13,902
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 380,177 4,579 SH SOLE 0 0 4,579
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 4,580,160 116,514 SH SOLE 0 0 116,514
DIMENSIONAL ETF TRUST US LARG VALU ETF 25434V666 588,823 14,658 SH SOLE 0 0 14,658
ELI LILLY & CO COM 532457108 694,460 600 SH SOLE 0 0 600
EMERSON ELEC CO COM 291011104 217,140 1,400 SH SOLE 0 0 1,400
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 1,360,370 8,359 SH SOLE 0 0 8,359
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 8,948,006 206,651 SH SOLE 0 0 206,651
GE AEROSPACE COM NEW 369604301 770,238 2,466 SH SOLE 0 0 2,466
GE VERNOVA INC COM 36828A101 521,819 549 SH SOLE 0 0 549
GMO ETF TRUST US QUALITY ETF 90139K100 3,307,602 77,262 SH SOLE 0 0 77,262
GOLDMAN SACHS GROUP INC COM 38141G104 304,322 338 SH SOLE 0 0 338
ILLUMINA INC COM 452327109 212,102 775 SH SOLE 0 0 775
INNOVATOR ETFS TRUST US EQTY BUFR JUL 45782C789 546,661 9,864 SH SOLE 0 0 9,864
INTERNATIONAL BUSINESS MACHS COM 459200101 335,833 1,527 SH SOLE 0 0 1,527
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494 493,133 21,198 SH SOLE 0 0 21,198
INVESCO EXCH TRD SLF IDX FD BULSHS 2028 MUNI 46138J486 726,357 31,856 SH SOLE 0 0 31,856
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 1,402,931 71,871 SH SOLE 0 0 71,871
INVESCO EXCH TRD SLF IDX FD BULSHS 2029 MUNI 46138J478 527,089 23,675 SH SOLE 0 0 23,675
INVESCO EXCH TRD SLF IDX FD BULETSHS 2031 CP 46138J429 287,565 18,235 SH SOLE 0 0 18,235
INVESCO EXCH TRD SLF IDX FD INVSC 30 MUNI BD 46138J445 523,635 25,061 SH SOLE 0 0 25,061
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783 1,436,079 73,476 SH SOLE 0 0 73,476
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 1,658,998 82,435 SH SOLE 0 0 82,435
INVESCO EXCH TRD SLF IDX FD INVSCO 30 CORP 46138J460 834,869 51,727 SH SOLE 0 0 51,727
INVESCO EXCH TRD SLF IDX FD BULETSHS 2029 46138J577 1,295,605 71,187 SH SOLE 0 0 71,187
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510 496,643 21,203 SH SOLE 0 0 21,203
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 7,272,297 86,493 SH SOLE 0 0 86,493
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 3,432,395 16,500 SH SOLE 0 0 16,500
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472 977,470 8,755 SH SOLE 0 0 8,755
INVESCO QQQ TR UNIT SER 1 46090E103 382,972 518 SH SOLE 0 0 518
ISHARES INC CORE MSCI EMKT 46434G103 542,383 6,683 SH SOLE 0 0 6,683
ISHARES TR RUS 1000 VAL ETF 464287598 230,591 930 SH SOLE 0 0 930
ISHARES TR 1 3 YR TREAS BD 464287457 320,397 3,946 SH SOLE 0 0 3,946
ISHARES TR US SML CAP EQT 46434V290 9,149,275 109,493 SH SOLE 0 0 109,493
ISHARES TR NATIONAL MUN ETF 464288414 884,786 8,752 SH SOLE 0 0 8,752
ISHARES TR SHRT NAT MUN ETF 464288158 1,290,088 12,341 SH SOLE 0 0 12,341
ISHARES TR ESG AWR US AGRGT 46435U549 1,963,728 43,397 SH SOLE 0 0 43,397
ISHARES TR ESG AW MSCI EAFE 46435G516 2,614,873 25,375 SH SOLE 0 0 25,375
ISHARES TR US AER DEF ETF 464288760 279,159 1,347 SH SOLE 0 0 1,347
ISHARES TR CORE US AGGBD ET 464287226 2,655,350 28,087 SH SOLE 0 0 28,087
ISHARES TR S&P 500 GRWT ETF 464287309 338,915 2,382 SH SOLE 0 0 2,382
ISHARES TR MSCI EMG MKT ETF 464287234 227,105 3,400 SH SOLE 0 0 3,400
ISHARES TR ESG SELECT SCRE 46436E569 428,170 7,344 SH SOLE 0 0 7,344
ISHARES TR MSCI INTL MOMENT 46434V449 342,937 6,516 SH SOLE 0 0 6,516
ISHARES TR MSCI EAFE ETF 464287465 1,648,532 15,868 SH SOLE 0 0 15,868
ISHARES TR RUS 1000 GRW ETF 464287614 298,179 2,380 SH SOLE 0 0 2,380
ISHARES TR CORE S&P MCP ETF 464287507 206,538 2,871 SH SOLE 0 0 2,871
ISHARES TR CORE MSCI EAFE 46432F842 974,728 10,061 SH SOLE 0 0 10,061
ISHARES TR S&P 500 VAL ETF 464287408 437,728 1,918 SH SOLE 0 0 1,918
ISHARES TR ISHS 1-5YR INVS 464288646 577,956 11,282 SH SOLE 0 0 11,282
ISHARES TR EAFE VALUE ETF 464288877 1,864,683 23,562 SH SOLE 0 0 23,562
ISHARES TR MSCI INTL QUALTY 46434V456 3,923,973 79,320 SH SOLE 0 0 79,320
ISHARES TR CORE S&P500 ETF 464287200 1,500,639 1,959 SH SOLE 0 0 1,959
ISHARES TR EAFE GRWTH ETF 464288885 1,410,830 11,774 SH SOLE 0 0 11,774
JOHNSON & JOHNSON COM 478160104 617,655 2,333 SH SOLE 0 0 2,333
JPMORGAN CHASE & CO COM 46625H100 244,814 740 SH SOLE 0 0 740
MARATHON PETE CORP COM 56585A102 202,130 511 SH SOLE 0 0 511
MARSH & MCLENNAN COS INC COM 571748102 689,066 4,036 SH SOLE 0 0 4,036
MASTERCARD INCORPORATED CL A 57636Q104 223,897 406 SH SOLE 0 0 406
MERCK & CO INC COM 58933Y105 884,049 6,084 SH SOLE 0 0 6,084
META PLATFORMS INC CL A 30303M102 730,521 1,007 SH SOLE 0 0 1,007
MICROSOFT CORP COM 594918104 1,452,231 2,831 SH SOLE 0 0 2,831
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 486,486 4,279 SH SOLE 0 0 4,279
NVIDIA CORPORATION COM 67066G104 276,340 1,210 SH SOLE 0 0 1,210
PEPSICO INC COM 713448108 374,404 2,955 SH SOLE 0 0 2,955
PHILIP MORRIS INTL INC COM 718172109 970,511 5,086 SH SOLE 0 0 5,086
PROCTER & GAMBLE CO COM 742718109 334,435 2,302 SH SOLE 0 0 2,302
REVOLUTION MEDICINES INC COM 76155X100 205,260 1,000 SH SOLE 0 0 1,000
RTX CORPORATION COM 75513E101 513,508 2,766 SH SOLE 0 0 2,766
SCHWAB STRATEGIC TR FUND EM EQUI ETF 808524730 1,511,683 36,104 SH SOLE 0 0 36,104
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 16,383,786 304,815 SH SOLE 0 0 304,815
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 389,695 10,846 SH SOLE 0 0 10,846
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 509,097 15,650 SH SOLE 0 0 15,650
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,155,262 42,055 SH SOLE 0 0 42,055
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 730,618 20,875 SH SOLE 0 0 20,875
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 9,599,298 305,030 SH SOLE 0 0 305,030
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 224,809 1,346 SH SOLE 0 0 1,346
SPDR GOLD TR GOLD SHS 78463V107 1,350,839 3,547 SH SOLE 0 0 3,547
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 274,351 539 SH SOLE 0 0 539
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 2,128,969 2,792 SH SOLE 0 0 2,792
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 213,639 325 SH SOLE 0 0 325
T ROWE PRICE EXCHANGE-TRADED CAP APPRECIATION 87283Q867 3,820,294 90,378 SH SOLE 0 0 90,378
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 224,902 493 SH SOLE 0 0 493
UNION PAC CORP COM 907818108 309,956 1,139 SH SOLE 0 0 1,139
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 310,360 4,062 SH SOLE 0 0 4,062
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 2,845,571 57,428 SH SOLE 0 0 57,428
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 5,114,259 72,905 SH SOLE 0 0 72,905
VANGUARD INDEX FDS MRNGSTR MD CP VA 922908512 826,204 4,225 SH SOLE 0 0 4,225
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 2,228,189 5,954 SH SOLE 0 0 5,954
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 3,408,415 37,825 SH SOLE 0 0 37,825
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 2,487,453 11,512 SH SOLE 0 0 11,512
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 3,684,734 46,987 SH SOLE 0 0 46,987
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,918,891 2,738 SH SOLE 0 0 2,738
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 1,543,262 5,425 SH SOLE 0 0 5,425
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 20,424,702 414,968 SH SOLE 0 0 414,968
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 808,097 14,262 SH SOLE 0 0 14,262
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 583,095 10,130 SH SOLE 0 0 10,130
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 28,471,028 122,031 SH SOLE 0 0 122,031
VANGUARD STAR FDS VG TL INTL STK F 921909768 2,218,666 26,114 SH SOLE 0 0 26,114
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 4,676,095 66,224 SH SOLE 0 0 66,224
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607 207,320 1,161 SH SOLE 0 0 1,161
VANGUARD WORLD FD INF TECH ETF 92204A702 1,211,423 9,640 SH SOLE 0 0 9,640
VANGUARD WORLD FD MATERIALS ETF 92204A801 228,359 1,047 SH SOLE 0 0 1,047
VANGUARD WORLD FD UTILITIES ETF 92204A876 406,157 2,375 SH SOLE 0 0 2,375
VANGUARD WORLD FD ESG US STK ETF 921910733 2,100,465 15,498 SH SOLE 0 0 15,498
VERIZON COMMUNICATIONS INC COM 92343V104 460,401 10,037 SH SOLE 0 0 10,037
WALMART INC COM 931142103 629,028 6,053 SH SOLE 0 0 6,053
WASTE MGMT INC DEL COM 94106L109 205,788 1,009 SH SOLE 0 0 1,009
WISDOMTREE TR US QTLY DIV GRT 97717X669 5,819,024 59,842 SH SOLE 0 0 59,842