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 219,140 1,335 SH SOLE 0 0 1,335
ABBOTT LABORATORIES COM 002824100 242,232 2,451 SH SOLE 0 0 2,451
ABBVIE INC COM 00287Y109 884,870 3,383 SH SOLE 0 0 3,383
ABERCROMBIE & FITCH CO CL A 002896207 237,189 1,761 SH SOLE 0 0 1,761
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 235,782 1,286 SH SOLE 0 0 1,286
ADVANCED MICRO DEVICES INC COM 007903107 1,852,409 3,028 SH SOLE 0 0 3,028
ALPHABET INC CAP STK CL A 02079K305 2,579,525 7,497 SH SOLE 0 0 7,497
ALPHABET INC CAP STK CL C 02079K107 1,493,123 4,382 SH SOLE 0 0 4,382
AMAZON COM INC COM 023135106 2,476,302 9,939 SH SOLE 0 0 9,939
AMGEN INC COM 031162100 262,179 622 SH SOLE 0 0 622
APPLE INC COM 037833100 7,757,585 23,295 SH SOLE 0 0 23,295
APPLIED MATLS INC COM 038222105 620,815 1,214 SH SOLE 0 0 1,214
AT&T INC COM 00206R102 288,997 11,844 SH SOLE 0 0 11,844
BANK OF AMER CORP COM 060505104 533,251 9,797 SH SOLE 0 0 9,797
BANK OF NY MELLON CORP COM 064058100 204,362 1,413 SH SOLE 0 0 1,413
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,711,952 3,438 SH SOLE 0 0 3,438
BROADCOM INC COM 11135F101 1,499,932 4,271 SH SOLE 0 0 4,271
CATERPILLAR INC COM 149123101 463,107 571 SH SOLE 0 0 571
CHECK POINT SOFTWARE TECH LT ORD M22465104 303,419 2,364 SH SOLE 0 0 2,364
CHEVRON CORPORATION COM 166764100 280,585 1,374 SH SOLE 0 0 1,374
CHIME FINL INC COM SHS CL A 16935C109 12,005,582 450,660 SH SOLE 0 0 450,660
CHURCH & DWIGHT CO INC COM 171340102 660,628 7,012 SH SOLE 0 0 7,012
CISCO SYS INC COM 17275R102 715,144 6,644 SH SOLE 0 0 6,644
COCA COLA CO COM 191216100 340,592 3,957 SH SOLE 0 0 3,957
CORNING INC COM 219350105 295,373 1,921 SH SOLE 0 0 1,921
COSTCO WHOLESALE CORPORATION COM 22160K105 1,456,998 1,600 SH SOLE 0 0 1,600
CSX CORP COM 126408103 355,054 7,634 SH SOLE 0 0 7,634
DICKS SPORTING GOODS INC COM 253393102 268,983 2,003 SH SOLE 0 0 2,003
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 11,217,713 252,367 SH SOLE 0 0 252,367
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 853,385 23,052 SH SOLE 0 0 23,052
DUKE ENERGY CORP NEW COM NEW 26441C204 245,464 2,153 SH SOLE 0 0 2,153
ELEMENT SOLUTIONS INC COM 28618M106 264,808 7,299 SH SOLE 0 0 7,299
ELI LILLY & CO COM 532457108 720,861 623 SH SOLE 0 0 623
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 1,615,294 9,925 SH SOLE 0 0 9,925
FIREFLY AEROSPACE INC COM 31816X106 2,574,697 111,218 SH SOLE 0 0 111,218
GE AEROSPACE COM NEW 369604301 219,228 702 SH SOLE 0 0 702
GILEAD SCIENCES INC COM 375558103 264,117 1,772 SH SOLE 0 0 1,772
GOLDMAN SACHS GROUP INC COM 38141G104 262,726 292 SH SOLE 0 0 292
HOME DEPOT INC COM 437076102 1,722,324 6,054 SH SOLE 0 0 6,054
INTEL CORP COM 458140100 263,424 2,191 SH SOLE 0 0 2,191
INVESCO CURRENCYSHARES EURO EURO SHS 46138K103 2,661,931 25,461 SH SOLE 0 0 25,461
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 778,083 39,139 SH SOLE 0 0 39,139
INVESCO QQQ TR UNIT SER 1 46090E103 25,323,021 34,231 SH SOLE 0 0 34,231
ISHARES TR CORE S&P500 ETF 464287200 11,670,022 15,238 SH SOLE 0 0 15,238
ISHARES TR IBOXX INV CP ETF 464287242 3,948,859 38,646 SH SOLE 0 0 38,646
ISHARES TR TIPS BD ETF 464287176 647,129 6,220 SH SOLE 0 0 6,220
ISHARES TR IBOXX HI YD ETF 464288513 320,808 4,155 SH SOLE 0 0 4,155
ISHARES TR ULTRA SHORT DUR 46434V878 657,468 13,045 SH SOLE 0 0 13,045
ISHARES TR MSCI INTL VLU FT 46435G409 2,532,140 59,038 SH SOLE 0 0 59,038
ISHARES TR CORE MSCI INTL 46435G326 6,776,141 75,728 SH SOLE 0 0 75,728
ISHARES TR 0-3 MTH TREASURY 46436E718 16,470,286 163,590 SH SOLE 0 0 163,590
ISHARES U S ETF TR INT RT HDG C B 46431W705 1,873,046 20,212 SH SOLE 0 0 20,212
JOHNSON & JOHNSON COM 478160104 1,136,529 4,293 SH SOLE 0 0 4,293
JPMORGAN CHASE & CO COM 46625H100 1,543,462 4,665 SH SOLE 0 0 4,665
KLA CORP COM NEW 482480100 450,288 2,310 SH SOLE 0 0 2,310
LAM RESEARCH CORP COM NEW 512807306 405,710 1,235 SH SOLE 0 0 1,235
LEIDOS HOLDINGS INC COM 525327102 243,782 2,001 SH SOLE 0 0 2,001
LOCKHEED MARTIN CORP COM 539830109 318,004 624 SH SOLE 0 0 624
MARATHON PETE CORP COM 56585A102 241,602 611 SH SOLE 0 0 611
MASTERCARD INCORPORATED CL A 57636Q104 1,336,003 2,423 SH SOLE 0 0 2,423
MERCK & CO INC COM 58933Y105 1,089,825 7,500 SH SOLE 0 0 7,500
META PLATFORMS INC CL A 30303M102 1,271,275 1,753 SH SOLE 0 0 1,753
MICRON TECHNOLOGY INC COM 595112103 2,194,324 2,060 SH SOLE 0 0 2,060
MICROSOFT CORP COM 594918104 24,267,435 47,314 SH SOLE 0 0 47,314
MONOLITHIC PWR SYS INC COM 609839105 261,361 194 SH SOLE 0 0 194
MORGAN STANLEY COM NEW 617446448 273,092 1,452 SH SOLE 0 0 1,452
NETFLIX INC. COM 64110L106 328,278 4,718 SH SOLE 0 0 4,718
NVIDIA CORPORATION COM 67066G104 6,094,092 26,684 SH SOLE 0 0 26,684
PALO ALTO NETWORKS INC COM 697435105 350,427 882 SH SOLE 0 0 882
PNC FINL SVCS GROUP INC COM 693475105 423,765 1,907 SH SOLE 0 0 1,907
POPULAR INC COM NEW 733174700 394,689 2,539 SH SOLE 0 0 2,539
PROCTER & GAMBLE CO COM 742718109 296,543 2,041 SH SOLE 0 0 2,041
PROSHARES TR INVT INT RT HG 74347B607 394,531 5,075 SH SOLE 0 0 5,075
QUANTUM SI INC COM CL A 74765K105 39,590 37,000 SH SOLE 0 0 37,000
RTX CORPORATION COM 75513E101 220,924 1,190 SH SOLE 0 0 1,190
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 215,750 7,361 SH SOLE 0 0 7,361
SNOWFLAKE INC COM SHS 833445109 580,648 1,710 SH SOLE 0 0 1,710
SOUTHERN CO COM 842587107 443,597 5,352 SH SOLE 0 0 5,352
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 6,587,281 127,266 SH SOLE 0 0 127,266
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 7,215,378 143,704 SH SOLE 0 0 143,704
SPDR SERIES TRUST ST STR SP500DIV 78468R788 513,362 11,315 SH SOLE 0 0 11,315
SPDR SERIES TRUST ST BLOO HIGH ETF 78468R622 1,915,566 20,653 SH SOLE 0 0 20,653
STARBUCKS CORP COM 855244109 305,942 3,256 SH SOLE 0 0 3,256
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 2,706,336 3,549 SH SOLE 0 0 3,549
TESLA INC COM 88160R101 895,186 2,523 SH SOLE 0 0 2,523
TEXAS INSTRS INC COM 882508104 291,854 1,042 SH SOLE 0 0 1,042
THERMO FISHER SCIENTIFIC INC COM 883556102 230,435 341 SH SOLE 0 0 341
TJX COS INC NEW COM 872540109 230,749 1,744 SH SOLE 0 0 1,744
TRAVELERS COMPANIES INC COM 89417E109 356,510 1,000 SH SOLE 0 0 1,000
UNION PAC CORP COM 907818108 222,058 816 SH SOLE 0 0 816
UNITEDHEALTH GROUP INC COM 91324P102 313,119 853 SH SOLE 0 0 853
US BANCORP COM NEW 902973304 310,980 5,384 SH SOLE 0 0 5,384
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 900,680 11,789 SH SOLE 0 0 11,789
VANGUARD BD INDEX FDS INTERMED TERM 921937819 3,251,596 44,628 SH SOLE 0 0 44,628
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,457,156 20,772 SH SOLE 0 0 20,772
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 31,834,606 642,474 SH SOLE 0 0 642,474
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 2,294,005 48,944 SH SOLE 0 0 48,944
VANGUARD INDEX FDS MRNGSTR LRG CAP 922908637 8,298,382 23,585 SH SOLE 0 0 23,585
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 215,865 308 SH SOLE 0 0 308
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 53,916,406 144,069 SH SOLE 0 0 144,069
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 11,872,732 54,946 SH SOLE 0 0 54,946
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 12,522,010 159,679 SH SOLE 0 0 159,679
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 531,369 2,300 SH SOLE 0 0 2,300
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 5,926,012 66,116 SH SOLE 0 0 66,116
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 12,765,586 44,872 SH SOLE 0 0 44,872
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 3,412,646 37,872 SH SOLE 0 0 37,872
VANGUARD INSTL INDEX FD 0 3 MO TR BI ETF 922040845 23,998,242 316,934 SH SOLE 0 0 316,934
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 265,348 3,057 SH SOLE 0 0 3,057
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 19,873,629 125,902 SH SOLE 0 0 125,902
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,860,827 11,986 SH SOLE 0 0 11,986
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,787,837 47,005 SH SOLE 0 0 47,005
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 295,172 5,997 SH SOLE 0 0 5,997
VANGUARD STAR FDS VG TL INTL STK F 921909768 5,622,143 66,174 SH SOLE 0 0 66,174
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 205,616 2,912 SH SOLE 0 0 2,912
VISA INC COM CL A 92826C839 1,012,233 2,817 SH SOLE 0 0 2,817
WALMART INC COM 931142103 1,790,230 17,227 SH SOLE 0 0 17,227
WASTE MGMT INC DEL COM 94106L109 371,645 1,823 SH SOLE 0 0 1,823