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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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109   454,929 3,052 SH   SOLE   3,051 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   209,142 681 SH   SOLE   681 0 0
ADOBE INC COM 00724F101   644,012 1,263 SH   SOLE   1,263 0 0
ADVANCED MICRO DEVICES INC COM 007903107   744,569 7,241 SH   SOLE   7,241 0 0
AIR PRODS & CHEMS INC COM 009158106   602,225 2,125 SH   SOLE   2,125 0 0
ALPHABET INC CAP STK CL C 02079K107   1,250,202 9,482 SH   SOLE   9,482 0 0
ALPHABET INC CAP STK CL A 02079K305   1,785,532 13,645 SH   SOLE   13,644 0 0
AMAZON COM INC COM 023135106   5,124,779 40,314 SH   SOLE   40,314 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877   6,588,082 84,517 SH   SOLE   84,516 0 0
AMGEN INC COM 031162100   4,690,131 17,451 SH   SOLE   17,451 0 0
APPLE INC COM 037833100   10,832,005 63,267 SH   SOLE   63,267 0 0
AT&T INC COM 00206R102   154,151 10,263 SH   SOLE   10,263 0 0
BANK AMERICA CORP COM 060505104   356,430 13,018 SH   SOLE   13,017 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,978,024 5,647 SH   SOLE   5,646 0 0
BLACKSTONE INC COM 09260D107   519,895 4,852 SH   SOLE   4,852 0 0
BOEING CO COM 097023105   270,530 1,411 SH   SOLE   1,411 0 0
BROADCOM INC COM 11135F101   440,276 530 SH   SOLE   530 0 0
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201   15,265,136 246,769 SH   SOLE   246,769 0 0
CHEVRON CORP NEW COM 166764100   628,934 3,730 SH   SOLE   3,729 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   205,165 112 SH   SOLE   112 0 0
CISCO SYS INC COM 17275R102   340,854 6,340 SH   SOLE   6,340 0 0
COCA COLA CO COM 191216100   410,658 7,336 SH   SOLE   7,335 0 0
COLGATE PALMOLIVE CO COM 194162103   1,980,556 27,852 SH   SOLE   27,852 0 0
COMCAST CORP NEW CL A 20030N101   415,205 9,364 SH   SOLE   9,364 0 0
CONSOLIDATED EDISON INC COM 209115104   326,474 3,817 SH   SOLE   3,817 0 0
COSTCO WHSL CORP NEW COM 22160K105   467,220 827 SH   SOLE   826 0 0
CVS HEALTH CORP COM 126650100   251,476 3,602 SH   SOLE   3,601 0 0
DEXCOM INC COM 252131107   212,911 2,282 SH   SOLE   2,282 0 0
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   561,788 22,170 SH   SOLE   22,170 0 0
DISNEY WALT CO COM 254687106   337,077 4,159 SH   SOLE   4,158 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   312,719 3,543 SH   SOLE   3,543 0 0
EA SERIES TRUST INTL QUAN VALUE 02072L201   23,900,052 1,013,173 SH   SOLE   1,013,173 0 0
EA SERIES TRUST SPARKLINE INTANG 02072L771   14,427,578 617,741 SH   SOLE   617,740 0 0
EA SERIES TRUST US QUAN MOMENTUM 02072L409   14,227,509 329,960 SH   SOLE   329,959 0 0
ELI LILLY & CO COM 532457108   672,487 1,252 SH   SOLE   1,252 0 0
EMERSON ELEC CO COM 291011104   265,664 2,751 SH   SOLE   2,751 0 0
EQUINIX INC COM 29444U700   2,444,591 3,366 SH   SOLE   3,366 0 0
EXXON MOBIL CORP COM 30231G102   830,795 7,066 SH   SOLE   7,065 0 0
FORD MTR CO DEL COM 345370860   160,715 12,940 SH   SOLE   12,940 0 0
GILEAD SCIENCES INC COM 375558103   260,540 3,477 SH   SOLE   3,476 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   234,916 726 SH   SOLE   726 0 0
HOME DEPOT INC COM 437076102   737,661 2,441 SH   SOLE   2,441 0 0
HONEYWELL INTL INC COM 438516106   203,412 1,101 SH   SOLE   1,101 0 0
INTEL CORP COM 458140100   255,285 7,181 SH   SOLE   7,181 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   204,824 1,460 SH   SOLE   1,459 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   341,102 1,167 SH   SOLE   1,167 0 0
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719   3,745,532 219,293 SH   SOLE   219,293 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   431,792 21,472 SH   SOLE   21,471 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   641,617 31,041 SH   SOLE   31,040 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   874,934 41,212 SH   SOLE   41,212 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   1,924,606 5,372 SH   SOLE   5,371 0 0
ISHARES TR CORE US AGGBD ET 464287226   537,409 5,715 SH   SOLE   5,714 0 0
ISHARES TR NATIONAL MUN ETF 464288414   11,819,653 115,269 SH   SOLE   115,268 0 0
ISHARES TR NEW YORK MUN ETF 464288323   815,970 15,990 SH   SOLE   15,990 0 0
ISHARES TR CORE S&P US GWT 464287671   359,962 3,796 SH   SOLE   3,795 0 0
ISHARES TR RUS MDCP VAL ETF 464287473   640,230 6,136 SH   SOLE   6,136 0 0
ISHARES TR CORE S&P500 ETF 464287200   8,590,317 20,004 SH   SOLE   20,003 0 0
ISHARES TR EAFE GRWTH ETF 464288885   7,265,478 84,189 SH   SOLE   84,188 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   271,036 1,106 SH   SOLE   1,106 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   385,801 5,581 SH   SOLE   5,580 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   512,667 13,509 SH   SOLE   13,509 0 0
ISHARES TR RUS TP200 GR ETF 464289438   327,043 2,126 SH   SOLE   2,126 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   810,228 7,877 SH   SOLE   7,877 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   1,936,401 32,279 SH   SOLE   32,278 0 0
ISHARES TR CORE MSCI EAFE 46432F842   12,161,369 188,988 SH   SOLE   188,987 0 0
ISHARES TR EAFE VALUE ETF 464288877   1,326,003 27,100 SH   SOLE   27,099 0 0
ISHARES TR CORE S&P SCP ETF 464287804   2,206,047 23,386 SH   SOLE   23,386 0 0
ISHARES TR U.S. TECH ETF 464287721   206,902 1,972 SH   SOLE   1,972 0 0
ISHARES TR MSCI KLD400 SOC 464288570   759,384 9,328 SH   SOLE   9,327 0 0
ISHARES TR CORE S&P MCP ETF 464287507   1,933,883 7,756 SH   SOLE   7,755 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   1,990,403 7,483 SH   SOLE   7,483 0 0
ISHARES TR S&P MC 400GR ETF 464287606   204,367 2,829 SH   SOLE   2,829 0 0
ISHARES TR RUS MD CP GR ETF 464287481   657,553 7,198 SH   SOLE   7,198 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   2,035,493 11,517 SH   SOLE   11,516 0 0
JOHNSON & JOHNSON COM 478160104   1,036,590 6,655 SH   SOLE   6,655 0 0
JPMORGAN CHASE & CO COM 46625H100   1,602,620 11,051 SH   SOLE   11,051 0 0
KENVUE INC COM 49177J102   390,717 19,458 SH   SOLE   19,458 0 0
LINDE PLC SHS G54950103   229,368 616 SH   SOLE   616 0 0
MASTERCARD INCORPORATED CL A 57636Q104   1,895,070 4,787 SH   SOLE   4,786 0 0
MCDONALDS CORP COM 580135101   498,170 1,891 SH   SOLE   1,891 0 0
MERCK & CO INC COM 58933Y105   505,837 4,913 SH   SOLE   4,913 0 0
META PLATFORMS INC CL A 30303M102   2,613,528 8,706 SH   SOLE   8,705 0 0
MICRON TECHNOLOGY INC COM 595112103   437,501 6,431 SH   SOLE   6,431 0 0
MICROSOFT CORP COM 594918104   7,089,316 22,452 SH   SOLE   22,452 0 0
MICROSOFT CORP COM 594918104   1,578,750 5,000 SH Call SOLE   0 0 0
NETFLIX INC COM 64110L106   338,204 896 SH   SOLE   895 0 0
NUSHARES ETF TR NUVEEN ESG MIDCP 67092P409   444,940 12,137 SH   SOLE   12,136 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   317,161 9,109 SH   SOLE   9,108 0 0
NUSHARES ETF TR NUVEEN ESG MIDVL 67092P508   338,788 11,917 SH   SOLE   11,916 0 0
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   780,044 13,007 SH   SOLE   13,007 0 0
NVIDIA CORPORATION COM 67066G104   3,084,486 7,091 SH   SOLE   7,090 0 0
ORACLE CORP COM 68389X105   354,418 3,346 SH   SOLE   3,346 0 0
PAYPAL HLDGS INC COM 70450Y103   409,220 7,000 SH Put SOLE   0 0 0
PAYPAL HLDGS INC COM 70450Y103   189,137 3,235 SH   SOLE   3,235 0 0
PEPSICO INC COM 713448108   353,366 2,085 SH   SOLE   2,085 0 0
PFIZER INC COM 717081103   643,166 19,390 SH   SOLE   19,389 0 0
PROCTER AND GAMBLE CO COM 742718109   984,081 6,747 SH   SOLE   6,746 0 0
PROLOGIS INC. COM 74340W103   211,260 1,883 SH   SOLE   1,882 0 0
RAYMOND JAMES FINL INC COM 754730109   215,422 2,145 SH   SOLE   2,145 0 0
SALESFORCE INC COM 79466L302   368,291 1,816 SH   SOLE   1,816 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   8,565,694 117,790 SH   SOLE   117,790 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   365,730 7,337 SH   SOLE   7,336 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,914,926 27,062 SH   SOLE   27,062 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,227,642 53,782 SH   SOLE   53,781 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   8,991,591 177,699 SH   SOLE   177,699 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   321,798 12,273 SH   SOLE   12,273 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   502,770 7,800 SH   SOLE   7,799 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   2,940,128 43,442 SH   SOLE   43,441 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   17,689,332 520,887 SH   SOLE   520,887 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   10,745,043 242,936 SH   SOLE   242,935 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   228,437 2,527 SH   SOLE   2,527 0 0
SERVICENOW INC COM 81762P102   560,637 1,003 SH   SOLE   1,003 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,307,930 5,399 SH   SOLE   5,398 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,823,364 3,993 SH   SOLE   3,993 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284   17,251,892 724,261 SH   SOLE   724,260 0 0
SPDR SER TR S&P DIVID ETF 78464A763   315,127 2,740 SH   SOLE   2,740 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721   11,695,861 267,640 SH   SOLE   267,639 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847   1,049,152 23,959 SH   SOLE   23,958 0 0
TESLA INC COM 88160R101   4,175,797 16,689 SH   SOLE   16,688 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   236,421 467 SH   SOLE   467 0 0
UBER TECHNOLOGIES INC COM 90353T100   693,207 15,073 SH   SOLE   15,073 0 0
UNITEDHEALTH GROUP INC COM 91324P102   2,362,463 4,686 SH   SOLE   4,685 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   7,358,141 149,952 SH   SOLE   149,951 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   271,212 5,670 SH   SOLE   5,670 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,999,516 10,576 SH   SOLE   10,575 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   2,958,378 14,207 SH   SOLE   14,206 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   76,126,789 358,396 SH   SOLE   358,395 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,661,601 4,231 SH   SOLE   4,231 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   484,031 2,485 SH   SOLE   2,485 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   3,663,386 13,453 SH   SOLE   13,453 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   962,718 7,351 SH   SOLE   7,351 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,515,727 31,512 SH   SOLE   31,512 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   636,100 4,094 SH   SOLE   4,093 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   3,097,428 57,874 SH   SOLE   57,874 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,387,457 54,608 SH   SOLE   54,607 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   226,636 964 SH   SOLE   964 0 0
VEEVA SYS INC CL A COM 922475108   232,950 1,145 SH   SOLE   1,145 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   255,542 7,885 SH   SOLE   7,884 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100   263,169 757 SH   SOLE   756 0 0
VISA INC COM CL A 92826C839   1,774,272 7,714 SH   SOLE   7,713 0 0
VISA INC COM CL A 92826C839   1,610,070 7,000 SH Put SOLE   0 0 0
WALMART INC COM 931142103   480,792 3,006 SH   SOLE   3,006 0 0
WASTE MGMT INC DEL COM 94106L109   232,175 1,523 SH   SOLE   1,523 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578   439,205 16,468 SH   SOLE   16,468 0 0
WISDOMTREE TR INTL QULTY DIV 97717X131   4,590,015 143,348 SH   SOLE   143,348 0 0
WISDOMTREE TR US LARGECAP DIVD 97717W307   13,864,060 225,469 SH   SOLE   225,468 0 0
WISDOMTREE TR GLB US QTLY DIV 97717W844   274,083 8,194 SH   SOLE   8,193 0 0
ZOETIS INC CL A 98978V103   212,256 1,220 SH   SOLE   1,220 0 0