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
ADVANCED MICRO DEVICES INC COM 007903107 911,522 1,490 SH SOLE 1,490 0 0
AFLAC INC COM 001055102 201,763 1,805 SH SOLE 1,805 0 0
ALBEMARLE CORP COM 012653101 244,617 2,313 SH SOLE 2,312 0 0
ALPHABET INC CAP STK CL A 02079K305 1,572,569 4,570 SH SOLE 4,570 0 0
ALPHABET INC CAP STK CL C 02079K107 546,888 1,605 SH SOLE 1,605 0 0
AMAZON COM INC COM 023135106 1,721,049 6,908 SH SOLE 6,907 0 0
AMGEN INC COM 031162100 343,109 814 SH SOLE 814 0 0
APPLE INC COM 037833100 2,070,786 6,218 SH SOLE 6,218 0 0
APPLIED MATLS INC COM 038222105 649,447 1,270 SH SOLE 1,269 0 0
BANK OF NY MELLON CORP COM 064058100 242,978 1,680 SH SOLE 1,680 0 0
BLACKROCK ETF TRUST ISHA I IN TE ETF 09290C780 1,022,070 21,659 SH SOLE 21,658 0 0
BLACKROCK ETF TRUST ISHA IN CTRY ETF 09290C764 1,153,539 31,734 SH SOLE 31,734 0 0
BLACKROCK ETF TRUST ISHARES DEFENSE 09290C699 615,747 19,718 SH SOLE 19,718 0 0
BOEING CO COM 097023105 309,201 1,662 SH SOLE 1,661 0 0
BROADCOM INC COM 11135F101 204,393 582 SH SOLE 582 0 0
CHARLES SCHWAB CORP (THE) COM 808513105 503,803 5,155 SH SOLE 5,154 0 0
CHEVRON CORPORATION COM 166764100 330,055 1,616 SH SOLE 1,616 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105 205,758 6,440 SH SOLE 6,440 0 0
COCA COLA CO COM 191216100 240,726 2,797 SH SOLE 2,796 0 0
CONSTELLATION ENERGY CORP COM 21037T109 822,584 3,238 SH SOLE 3,238 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 1,241,691 1,364 SH SOLE 1,363 0 0
DANAHER CORP DEL COM 235851102 463,936 2,094 SH SOLE 2,094 0 0
DELL TECHNOLOGIES INC CL C 24703L202 2,312,084 4,298 SH SOLE 4,297 0 0
ELI LILLY & CO COM 532457108 207,117 179 SH SOLE 179 0 0
GENERAL DYNAMICS CORP COM 369550108 215,700 650 SH SOLE 650 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 365,957 900 SH SOLE 899 0 0
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 308,872 14,440 SH SOLE 14,440 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 363,619 1,748 SH SOLE 1,748 0 0
ISHARES INC MSCI EMRG CHN 46434G764 311,210 3,141 SH SOLE 3,141 0 0
ISHARES INC CORE MSCI EMKT 46434G103 1,325,825 16,336 SH SOLE 16,335 0 0
ISHARES TR CORE INTL AGGR 46435G672 928,430 18,871 SH SOLE 18,870 0 0
ISHARES TR EAFE GRWTH ETF 464288885 1,666,072 13,904 SH SOLE 13,903 0 0
ISHARES TR EAFE VALUE ETF 464288877 1,252,542 15,827 SH SOLE 15,826 0 0
ISHARES TR US TREAS BD ETF 46429B267 1,583,783 72,418 SH SOLE 72,418 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 884,435 17,264 SH SOLE 17,264 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 499,818 2,249 SH SOLE 2,249 0 0
ISHARES TR S&P 500 VAL ETF 464287408 2,202,584 9,649 SH SOLE 9,648 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 3,422,467 24,058 SH SOLE 24,057 0 0
ISHARES TR CORE S&P500 ETF 464287200 12,174,806 15,897 SH SOLE 15,897 0 0
ISHARES TR PFD AND INCM SEC 464288687 606,940 20,574 SH SOLE 20,574 0 0
ISHARES TR 10-20 YR TRS ETF 464288653 815,881 8,852 SH SOLE 8,851 0 0
ISHARES TR NATIONAL MUN ETF 464288414 630,864 6,240 SH SOLE 6,240 0 0
ISHARES TR CORE US AGGBD ET 464287226 652,326 6,900 SH SOLE 6,900 0 0
JOHNSON & JOHNSON COM 478160104 553,304 2,090 SH SOLE 2,089 0 0
JOHNSON CONTROLS INTERNATION SHS G51502105 389,622 2,621 SH SOLE 2,621 0 0
JPMORGAN CHASE & CO COM 46625H100 1,487,243 4,495 SH SOLE 4,495 0 0
MARATHON PETE CORP COM 56585A102 626,741 1,585 SH SOLE 1,585 0 0
MASTERCARD INCORPORATED CL A 57636Q104 411,507 746 SH SOLE 746 0 0
MCDONALDS CORP COM 580135101 213,389 924 SH SOLE 924 0 0
META PLATFORMS INC CL A 30303M102 1,256,554 1,733 SH SOLE 1,732 0 0
MICRON TECHNOLOGY INC COM 595112103 1,409,141 1,323 SH SOLE 1,323 0 0
MICROSOFT CORP COM 594918104 1,598,817 3,117 SH SOLE 3,117 0 0
NEXTERA ENERGY INC COM 65339F101 287,877 3,801 SH SOLE 3,800 0 0
NVIDIA CORPORATION COM 67066G104 1,940,010 8,495 SH SOLE 8,494 0 0
PARKER-HANNIFIN CORP COM 701094104 1,153,379 1,207 SH SOLE 1,207 0 0
PROCTER & GAMBLE CO COM 742718109 219,415 1,510 SH SOLE 1,510 0 0
ROYALTY PHARMA PLC SHS CLASS A G7709Q104 507,753 8,700 SH SOLE 8,700 0 0
SALESFORCE INC COM 79466L302 722,429 3,147 SH SOLE 3,146 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 246,715 7,561 SH SOLE 7,561 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 5,754,203 196,322 SH SOLE 196,322 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,275,056 119,223 SH SOLE 119,223 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,202,790 40,093 SH SOLE 40,093 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 509,587 21,357 SH SOLE 21,357 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 971,913 41,009 SH SOLE 41,009 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 9,137,760 413,473 SH SOLE 413,473 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 669,760 20,589 SH SOLE 20,589 0 0
SCHWAB STRATEGIC TR MUN BD ETF 808524649 410,720 17,000 SH SOLE 17,000 0 0
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 268,178 1,370 SH SOLE 1,370 0 0
SPDR SERIES TRUST ST STR RATE ETF 78468R200 1,346,938 43,675 SH SOLE 43,675 0 0
STARBUCKS CORP COM 855244109 813,934 8,663 SH SOLE 8,662 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 2,002,666 2,626 SH SOLE 2,626 0 0
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 717,587 1,573 SH SOLE 1,573 0 0
TESLA INC COM 88160R101 204,725 577 SH SOLE 577 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 239,549 530 SH SOLE 530 0 0
TRI CONTL CORP COM 895436103 276,231 8,044 SH SOLE 8,044 0 0
UBER TECHNOLOGIES INC COM 90353T100 670,913 9,793 SH SOLE 9,792 0 0
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 7,128,541 19,048 SH SOLE 19,048 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,755,734 21,161 SH SOLE 21,161 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 810,086 5,132 SH SOLE 5,132 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 368,878 7,494 SH SOLE 7,494 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 260,480 5,500 SH SOLE 5,500 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 3,442,308 77,512 SH SOLE 77,512 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,080,225 4,630 SH SOLE 4,630 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 2,649,817 31,189 SH SOLE 31,189 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 800,797 17,458 SH SOLE 17,457 0 0
WALMART INC COM 931142103 873,141 8,402 SH SOLE 8,402 0 0