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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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL C 02079K107   208,000 2,000 SH   SOLE   2,000 0 0
ALPHABET INC CAP STK CL A 02079K305   207,460 2,000 SH   SOLE   2,000 0 0
APARTMENT INCOME REIT CORP COM 03750L109   1,978,753 55,257 SH   SOLE   55,257 0 0
APPLE INC COM 037833100   643,116 3,900 SH   SOLE   3,900 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   1,862,400 4 SH   SOLE   4 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   309,735 12,156 SH   SOLE   12,156 0 0
ECOLAB INC COM 278865100   584,391 3,530 SH   SOLE   3,530 0 0
EXXON MOBIL CORP COM 30231G102   1,307,915 11,927 SH   SOLE   11,927 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   737,776 51,883 SH   SOLE   51,883 0 0
ISHARES INC EM MKT SM-CP ETF 464286475   11,484,323 227,954 SH   SOLE   227,954 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   1,560,940 21,728 SH   SOLE   21,728 0 0
ISHARES TR USD GRN BOND ETF 46435U440   495,676 10,526 SH   SOLE   10,526 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   240,042 3,300 SH   SOLE   3,300 0 0
ISHARES TR GL CLEAN ENE ETF 464288224   713,089 36,051 SH   SOLE   36,051 0 0
MICROSOFT CORP COM 594918104   412,631 1,431 SH   SOLE   1,431 0 0
MICROSTRATEGY INC CL A NEW 594972408   5,769,520 19,737 SH   SOLE   19,737 0 0
NORWEGIAN CRUISE LINE HLDG L SHS G66721104   2,690,000 200,000 SH   SOLE   200,000 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   116,656,167 1,175,377 SH   SOLE   1,175,377 0 0
ROBINHOOD MKTS INC COM CL A 770700102   180,082 18,546 SH   SOLE   18,546 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   656,224 18,857 SH   SOLE   18,857 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   287,401 5,699 SH   SOLE   5,699 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   33,567,811 995,782 SH   SOLE   995,782 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   370,975 7,604 SH   SOLE   7,604 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,061,529 42,620 SH   SOLE   42,620 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721   692,796 14,797 SH   SOLE   14,797 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739   229,667 4,830 SH   SOLE   4,830 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   786,047 16,068 SH   SOLE   16,068 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   39,310,195 207,376 SH   SOLE   207,376 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   19,819,489 238,674 SH   SOLE   238,674 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   45,372,042 222,303 SH   SOLE   222,303 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   2,883,698 13,672 SH   SOLE   13,672 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   242,707,475 1,299,221 SH   SOLE   1,299,221 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   27,171,808 672,570 SH   SOLE   672,570 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   254,201 2,327 SH   SOLE   2,327 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   101,485,991 2,246,757 SH   SOLE   2,246,757 0 0