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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100   1,643,408 18,942 SH   DFND   0 18,942 0
APPLE INC COM 037833100   1,452,271 8,472 SH   DFND 1 0 8,472 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   517,810 1 SH   DFND 1 0 1 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,043,272 6,515 SH   DFND 1 0 6,515 0
CBRE GROUP INC CL A 12504L109   290,314 3,597 SH   DFND 1 0 3,597 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   8,415,220 175,359 SH   DFND 1 0 175,359 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   3,534,729 153,154 SH   DFND 1 0 153,154 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   602,947 17,477 SH   DFND 1 0 17,477 0
INVESCO EXCH TRADED FD TR II S&P SMALLCAP 600 46138G664   262,238 2,312 SH   DFND 1 0 2,312 0
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805   6,844,696 257,804 SH   DFND   0 257,804 0
INVESCO EXCHANGE TRADED FD T S&P MDCP400 PR 46137V217   200,574 1,027 SH   DFND 1 0 1,027 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL DIS 46137V381   1,858,334 13,474 SH   DFND   0 13,474 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   7,397,834 25,155 SH   DFND   0 25,155 0
ISHARES TR PFD AND INCM SEC 464288687   5,536,324 184,269 SH   DFND 1 0 184,269 0
ISHARES TR RUS MDCP VAL ETF 464287473   625,088 5,691 SH   DFND 1 0 5,691 0
ISHARES TR TIPS BD ETF 464287176   4,675,048 44,219 SH   DFND 1 0 44,219 0
ISHARES TR MORNINGSTAR GRWT 464287119   311,707 5,000 SH   DFND 1 0 5,000 0
ISHARES TR SHRT NAT MUN ETF 464288158   1,288,645 12,386 SH   DFND 1 0 12,386 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   6,276,106 65,815 SH   DFND 1 0 65,815 0
ISHARES TR MSCI EAFE MIN VL 46429B689   402,529 5,963 SH   DFND 1 0 5,963 0
ISHARES TR A RATE CP BD ETF 46429B291   1,412,043 32,440 SH   DFND 1 0 32,440 0
ISHARES TR MSCI USA MMENTM 46432F396   362,789 2,515 SH   DFND 1 0 2,515 0
ISHARES TR GLOBAL REIT ETF 46434V647   983,599 46,189 SH   DFND 1 0 46,189 0
ISHARES TR IBONDS DEC2026 46435GAA0   241,598 10,294 SH   DFND 1 0 10,294 0
ISHARES TR ESG AWR MSCI USA 46435G425   1,688,035 17,610 SH   DFND 1 0 17,610 0
ISHARES TR RUSEL 2500 ETF 46435G268   444,259 8,830 SH   DFND 1 0 8,830 0
ISHARES TR IBONDS 27 ETF 46435UAA9   254,771 10,851 SH   DFND 1 0 10,851 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1   643,939 26,413 SH   DFND 1 0 26,413 0
ISHARES TR MSCI INTL QUALTY 46434V456   1,535,462 43,131 SH   DFND 1 0 43,131 0
ISHARES TR NATIONAL MUN ETF 464288414   848,310 7,948 SH   DFND 1 0 7,948 0
ISHARES TR FLTG RATE NT ETF 46429B655   7,036,740 138,464 SH   DFND   0 138,464 0
JOHNSON & JOHNSON COM 478160104   214,183 1,294 SH   DFND 1 0 1,294 0
MICROSOFT CORP COM 594918104   633,404 1,961 SH   DFND 1 0 1,961 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   4,511,834 47,411 SH   DFND 1 0 47,411 0
PIMCO ETF TR ENHANCD SHORT 72201R643   259,266 2,648 SH   DFND 1 0 2,648 0
PROCTER AND GAMBLE CO COM 742718109   236,714 1,560 SH   DFND 1 0 1,560 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   210,329 4,068 SH   DFND 1 0 4,068 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   297,703 1,712 SH   DFND 1 0 1,712 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   2,279,838 30,738 SH   DFND   0 30,738 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   3,254,161 96,534 SH   DFND   0 96,534 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   4,564,850 34,392 SH   DFND   0 34,392 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   1,492,284 13,905 SH   DFND   0 13,905 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   650,944 7,855 SH   DFND   0 7,855 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,624,374 20,012 SH   DFND   0 20,012 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   2,202,893 33,849 SH   DFND   0 33,849 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   761,376 20,201 SH   DFND   0 20,201 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,047,171 16,002 SH   DFND   0 16,002 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   6,629,856 215,495 SH   DFND 1 0 215,495 0
SPDR SER TR PORTFOLI S&P1500 78464A805   8,528,687 169,644 SH   DFND 1 0 169,644 0
SPDR SER TR PORTFOLIO INTRMD 78464A375   3,500,363 111,226 SH   DFND 1 0 111,226 0
SPDR SER TR ICE PFD SEC ETF 78464A292   762,712 23,788 SH   DFND 1 0 23,788 0
SPDR SER TR PORTFOLIO SH TSR 78468R101   663,772 23,056 SH   DFND 1 0 23,056 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   2,383,092 31,619 SH   DFND 1 0 31,619 0
VANECK ETF TRUST MRNGSTR INT MOAT 92189F593   2,247,943 77,968 SH   DFND 1 0 77,968 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,981,179 40,665 SH   DFND 1 0 40,665 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   3,995,458 55,458 SH   DFND 1 0 55,458 0
VANGUARD INDEX FDS VALUE ETF 922908744   529,908 3,729 SH   DFND 1 0 3,729 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,483,517 15,992 SH   DFND 1 0 15,992 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,421,479 38,078 SH   DFND 1 0 38,078 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   740,045 13,601 SH   DFND 1 0 13,601 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   2,219,362 23,126 SH   DFND 1 0 23,126 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   2,444,078 30,926 SH   DFND 1 0 30,926 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   5,824,320 104,518 SH   DFND 1 0 104,518 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   5,355,785 100,755 SH   DFND 1 0 100,755 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,018,328 22,384 SH   DFND 1 0 22,384 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   507,331 4,783 SH   DFND 1 0 4,783 0
VANGUARD WORLD FD ESG US STK ETF 921910733   383,414 4,894 SH   DFND 1 0 4,894 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725   1,916,968 36,577 SH   DFND 1 0 36,577 0
WISDOMTREE TR EM EX ST-OWNED 97717X578   709,021 25,367 SH   DFND 1 0 25,367 0
WISDOMTREE TR US TOTAL DIVIDND 97717W109   484,302 7,800 SH   DFND 1 0 7,800 0