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
ALPHABET INC CAP STK CL A 02079K305 295,308 1,560 SH SOLE 0 0 1,560
AMAZON COM INC COM 023135106 241,329 1,100 SH SOLE 0 0 1,100
APPLE INC COM 037833100 636,317 2,541 SH SOLE 0 0 2,541
BANK AMERICA CORP COM 060505104 1,981,372 45,082 SH SOLE 0 0 45,082
BANK NEW YORK MELLON CORP COM 064058100 1,416,438 18,436 SH SOLE 0 0 18,436
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,098,751 2,424 SH SOLE 0 0 2,424
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 803,728 22,653 SH SOLE 0 0 22,653
ELI LILLY & CO COM 532457108 209,212 271 SH SOLE 0 0 271
INVESCO QQQ TR UNIT SER 1 46090E103 675,852 1,322 SH SOLE 0 0 1,322
ISHARES GOLD TR ISHARES NEW 464285204 1,805,679 36,471 SH SOLE 0 0 36,471
ISHARES TR CORE HIGH DV ETF 46429B663 941,076 8,383 SH SOLE 0 0 8,383
ISHARES TR CORE TOTAL USD 46434V613 2,815,182 62,283 SH SOLE 0 0 62,283
ISHARES TR CORE US AGGBD ET 464287226 14,523,821 149,885 SH SOLE 0 0 149,885
ISHARES TR JPMORGAN USD EMG 464288281 430,954 4,840 SH SOLE 0 0 4,840
ISHARES TR MBS ETF 464288588 3,896,745 42,504 SH SOLE 0 0 42,504
ISHARES TR S&P MC 400VL ETF 464287705 247,046 1,977 SH SOLE 0 0 1,977
MICROSOFT CORP COM 594918104 456,063 1,082 SH SOLE 0 0 1,082
NVIDIA CORPORATION COM 67066G104 1,876,300 13,972 SH SOLE 0 0 13,972
PEPSICO INC COM 713448108 951,287 6,256 SH SOLE 0 0 6,256
PIMCO ETF TR INTER MUN BD ACT 72201R866 343,384 6,638 SH SOLE 0 0 6,638
RTX CORPORATION COM 75513E101 226,927 1,961 SH SOLE 0 0 1,961
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 338,148 12,698 SH SOLE 0 0 12,698
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 830,809 30,410 SH SOLE 0 0 30,410
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,104,935 4,752 SH SOLE 0 0 4,752
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,223,879 7,207 SH SOLE 0 0 7,207
SPDR SER TR PORTFLI HIGH YLD 78468R606 1,974,085 84,111 SH SOLE 0 0 84,111
SPDR SER TR PRTFLO S&P500 GW 78464A409 1,074,226 12,221 SH SOLE 0 0 12,221
SPDR SER TR PRTFLO S&P500 VL 78464A508 2,205,822 43,133 SH SOLE 0 0 43,133
VANGUARD BD INDEX FDS INTERMED TERM 921937819 6,447,505 86,277 SH SOLE 0 0 86,277
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 6,583,947 85,207 SH SOLE 0 0 85,207
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,938,970 3,599 SH SOLE 0 0 3,599
VANGUARD INDEX FDS TOTAL STK MKT 922908769 78,102,498 269,496 SH SOLE 0 0 269,496
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,110,625 25,219 SH SOLE 0 0 25,219
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 616,801 9,718 SH SOLE 0 0 9,718
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 341,379 2,982 SH SOLE 0 0 2,982
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,603,151 51,928 SH SOLE 0 0 51,928
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 1,509,010 16,893 SH SOLE 0 0 16,893
VANGUARD STAR FDS VG TL INTL STK F 921909768 8,395,869 142,472 SH SOLE 0 0 142,472
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 8,035,131 168,029 SH SOLE 0 0 168,029
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870 1,201,396 11,984 SH SOLE 0 0 11,984