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
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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
ABRDN ETFS BBRG ALL COMMDY 003261203 1,276,642 33,185 SH SOLE 0 0 33,185
ABRDN ETFS BBRG ALL COMD K1 003261104 7,622,575 294,649 SH SOLE 1,909 0 292,740
APPLE INC COM 037833100 358,330 1,076 SH SOLE 0 0 1,076
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 370,892 7,199 SH SOLE 199 0 7,000
BERKSHIRE HATHAWAY INC DEL CL A 084670108 747,005 1 SH SOLE 0 0 1
BROADCOM INC COM 11135F101 347,678 990 SH SOLE 0 0 990
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 220,037 5,311 SH SOLE 0 0 5,311
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 341,634 4,115 SH SOLE 0 0 4,115
DIMENSIONAL ETF TRUST CORE FIXE IN ETF 25434V872 499,556 12,452 SH SOLE 366 0 12,086
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 347,669 8,844 SH SOLE 0 0 8,844
GENELUX CORPORATION COM 36870H103 25,300 10,000 SH SOLE 0 0 10,000
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142 5,268,260 77,669 SH SOLE 1,227 0 76,442
INVESCO QQQ TR UNIT SER 1 46090E103 263,358 356 SH SOLE 0 0 356
ISHARES INC CORE MSCI EMKT 46434G103 3,073,748 37,873 SH SOLE 0 0 37,873
ISHARES TR SP SMCP600VL ETF 464287879 838,725 6,547 SH SOLE 458 0 6,089
ISHARES TR S&P 500 GRWT ETF 464287309 2,480,677 17,438 SH SOLE 0 0 17,438
ISHARES TR RUS 1000 VAL ETF 464287598 3,050,996 12,306 SH SOLE 188 0 12,118
ISHARES TR S&P SML 600 GWT 464287887 681,439 4,250 SH SOLE 359 0 3,891
ISHARES TR CORE MSCI INTL 46435G326 5,481,338 61,258 SH SOLE 1,375 0 59,883
ISHARES TR CORE S&P MCP ETF 464287507 1,129,171 15,694 SH SOLE 1,585 0 14,109
ISHARES TR TIPS BD ETF 464287176 2,416,549 23,227 SH SOLE 361 0 22,866
ISHARES TR RUS 2000 VAL ETF 464287630 1,286,483 6,142 SH SOLE 54 0 6,088
ISHARES TR CORE INTL AGGR 46435G672 4,540,907 92,295 SH SOLE 0 0 92,295
ISHARES TR RUS 1000 GRW ETF 464287614 4,574,475 36,520 SH SOLE 648 0 35,872
ISHARES TR ESG OPTIMIZED 464288802 380,153 2,442 SH SOLE 2,132 0 310
ISHARES TR BROAD USD HIGH 46435U853 1,044,126 29,231 SH SOLE 342 0 28,889
ISHARES TR S&P 500 VAL ETF 464287408 1,621,345 7,102 SH SOLE 0 0 7,102
ISHARES TR ESG MSCI KLD ETF 464288570 404,373 2,766 SH SOLE 2,430 0 336
ISHARES TR RUSSELL 2000 ETF 464287655 508,261 1,829 SH SOLE 0 0 1,829
ISHARES TR RUS 2000 GRW ETF 464287648 1,403,005 3,931 SH SOLE 41 0 3,890
ISHARES TR RUS MDCP VAL ETF 464287473 1,353,411 8,420 SH SOLE 70 0 8,350
ISHARES TR RUS MID CAP ETF 464287499 322,622 3,023 SH SOLE 0 0 3,023
ISHARES TR U.S. REAL ES ETF 464287739 2,246,188 23,634 SH SOLE 289 0 23,345
ISHARES TR RUS MD CP GR ETF 464287481 1,717,857 12,477 SH SOLE 108 0 12,369
ISHARES TR 1 3 YR TREAS BD 464287457 1,561,191 19,226 SH SOLE 0 0 19,226
ISHARES TR CORE S&P500 ETF 464287200 387,800 506 SH SOLE 0 0 506
ISHARES TR CORE MSCI EAFE 46432F842 664,572 6,860 SH SOLE 65 0 6,795
ISHARES TR IBOXX HI YD ETF 464288513 2,633,974 34,114 SH SOLE 313 0 33,801
JOHNSON & JOHNSON COM 478160104 208,086 786 SH SOLE 0 0 786
JPMORGAN CHASE & CO COM 46625H100 295,431 893 SH SOLE 0 0 893
MICROSOFT CORP COM 594918104 261,841 511 SH SOLE 0 0 511
MORGAN STANLEY COM NEW 617446448 227,953 1,212 SH SOLE 0 0 1,212
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,300,299 58,997 SH SOLE 0 0 58,997
SCHWAB STRATEGIC TR US TIPS ETF 808524870 793,521 31,577 SH SOLE 0 0 31,577
SPDR SERIES TRUST ST STR P500VAL 78464A508 206,864 3,384 SH SOLE 0 0 3,384
SPDR SERIES TRUST ST STR DOW REIT 78464A607 275,639 2,627 SH SOLE 0 0 2,627
SPDR SERIES TRUST ST STR P500GRW 78464A409 249,483 2,027 SH SOLE 0 0 2,027
SPDR SERIES TRUST ST PORT HIGH ETF 78468R606 2,176,773 96,360 SH SOLE 0 0 96,360
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 362,769 5,171 SH SOLE 0 0 5,171
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 4,250,193 90,680 SH SOLE 995 0 89,685
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 2,382,659 26,442 SH SOLE 0 0 26,442
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 2,569,570 11,892 SH SOLE 0 0 11,892
VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 4,640,420 13,736 SH SOLE 99 0 13,637
VANGUARD INDEX FDS MRNGSTR MD CP GR 922908538 3,848,958 13,177 SH SOLE 119 0 13,058
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 4,071,057 17,621 SH SOLE 176 0 17,445
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 616,147 1,646 SH SOLE 0 0 1,646
VANGUARD INDEX FDS MRNGSTR MD CP VA 922908512 4,358,348 22,290 SH SOLE 205 0 22,085
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 917,696 11,061 SH SOLE 0 0 11,061
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,378,868 107,552 SH SOLE 953 0 106,599
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 478,900 9,730 SH SOLE 0 0 9,730
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 405,336 8,559 SH SOLE 0 0 8,559
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 519,726 6,728 SH SOLE 523 0 6,205
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 228,857 2,039 SH SOLE 0 0 2,039
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 722,395 12,550 SH SOLE 988 0 11,562
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 488,456 8,621 SH SOLE 938 0 7,683
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 18,418,109 260,843 SH SOLE 2,431 0 258,412
VANGUARD WORLD FD MRNGSTR VAL ETF 921910840 13,126,549 81,486 SH SOLE 143 0 81,343
VANGUARD WORLD FD MRNGSTR MEGA CAP 921910816 13,843,984 149,422 SH SOLE 335 0 149,087