Ticker	Issuer	Shares	Value	%	Share Price	Est. Cost/Share	Unrealized @ Report Date	Class	CUSIP
SCHG	SCHWAB STRATEGIC TR	792,149	$25.84M	14.2%	$32.62	$32.52	+0.3%	US LCAP GR ETF	808524300
BND	VANGUARD BD INDEX FDS	342,452	$25.37M	13.9%	$74.07	$74.43	-0.5%	TOTAL BND MRKT	921937835
SCHV	SCHWAB STRATEGIC TR	803,337	$23.79M	13.0%	$29.61	$29.23	+1.3%	US LCAP VA ETF	808524409
VEA	VANGUARD TAX-MANAGED FDS	342,284	$21.38M	11.7%	$62.47	$61.26	+2.0%	VAN FTSE DEV MKT	921943858
MOAT	VANECK ETF TRUST	200,093	$20.72M	11.4%	$103.56	$102.13	+1.4%	MRNGSTR WDE MOAT	92189F643
SCHO	SCHWAB STRATEGIC TR	624,993	$15.23M	8.4%	$24.37	$24.38	-0.0%	SHT TM US TRES	808524862
FNDF	SCHWAB STRATEGIC TR	256,713	$11.61M	6.4%	$45.21	$44.28	+2.1%	FUNDAMENTAL INTL	808524755
SCHA	SCHWAB STRATEGIC TR	219,354	$6.247M	3.4%	$28.48	$28.24	+0.9%	US SML CAP ETF	808524607
VNQ	VANGUARD INDEX FDS	50,776	$4.493M	2.5%	$88.49	$89.87	-1.5%	REAL ESTATE ETF	922908553
VWO	VANGUARD INTL EQUITY INDEX F	69,699	$3.747M	2.1%	$53.76	$54.32	-1.0%	FTSE EMR MKT ETF	922042858
FNDA	SCHWAB STRATEGIC TR	116,137	$3.659M	2.0%	$31.51	$31.18	+1.1%	FUNDAMENTAL US S	808524763
FNDE	SCHWAB STRATEGIC TR	66,707	$2.405M	1.3%	$36.06	$36.50	-1.2%	FUNDAMENTAL EMER	808524730
VOO	VANGUARD INDEX FDS	2,902	$1.82M	1.0%	$627.18	$621.46	+0.9%	S&P 500 ETF SHS	922908363
SCHF	SCHWAB STRATEGIC TR	62,036	$1.491M	0.8%	$24.04	$23.77	+1.1%	INTL EQTY ETF	808524805
BIV	VANGUARD BD INDEX FDS	17,520	$1.364M	0.7%	$77.88	$78.21	-0.4%	INTERMED TERM	921937819
VTEB	VANGUARD MUN BD FDS	20,499	$1.031M	0.6%	$50.29	$50.32	-0.1%	TAX EXEMPT BD	922907746
CAT	CATERPILLAR INC	1,787	$1.024M	0.6%	$572.86	$555.50	+3.1%	COM	149123101
IVW	ISHARES TR	7,748	$955K	0.5%	$123.26	$122.39	+0.7%	S&P 500 GRWT ETF	464287309
VGSH	VANGUARD SCOTTSDALE FDS	15,525	$912K	0.5%	$58.73	$58.78	-0.1%	SHORT TERM TREAS	92206C102
MUB	ISHARES TR	7,282	$780K	0.4%	$107.11	$107.06	+0.0%	NATIONAL MUN ETF	464288414
IVE	ISHARES TR	3,480	$738K	0.4%	$212.08	$209.57	+1.2%	S&P 500 VAL ETF	464287408
DFAC	DIMENSIONAL ETF TRUST	18,122	$717K	0.4%	$39.59	$39.03	+1.4%	US CORE EQUITY 2	25434V708
SCHB	SCHWAB STRATEGIC TR	27,091	$711K	0.4%	$26.23	$26.03	+0.8%	US BRD MKT ETF	808524102
AAPL	APPLE INC	2,601	$707K	0.4%	$271.81	$268.34	+1.3%	COM	037833100
VYM	VANGUARD WHITEHALL FDS	4,710	$676K	0.4%	$143.51	$142.22	+0.9%	HIGH DIV YLD	921946406
SCHZ	SCHWAB STRATEGIC TR	28,495	$666K	0.4%	$23.37	$23.48	-0.5%	US AGGREGATE B	808524839
VB	VANGUARD INDEX FDS	2,237	$577K	0.3%	$257.93	$256.19	+0.7%	SMALL CP ETF	922908751
MSFT	MICROSOFT CORP	917	$443K	0.2%	$483.48	$500.58	-3.4%	COM	594918104
SUB	ISHARES TR	3,794	$405K	0.2%	$106.70	$106.56	+0.1%	SHRT NAT MUN ETF	464288158
XLK	SELECT SECTOR SPDR TR	2,440	$351K	0.2%	$143.95	$144.42	-0.3%	STATE STREET TEC	81369Y803
VUG	VANGUARD INDEX FDS	615	$300K	0.2%	$487.56 *	$81.15	+0.2%	GROWTH ETF	922908736
IWM	ISHARES TR	1,158	$285K	0.2%	$246.13	$245.85	+0.1%	RUSSELL 2000 ETF	464287655
MDT	MEDTRONIC PLC	2,836	$272K	0.1%	$96.06	$97.14	-1.1%	SHS	G5960L103
VGT	VANGUARD WORLD FD	349	$263K	0.1%	$754.54 *	$95.02	-0.8%	INF TECH ETF	92204A702
SPYV	SPDR SERIES TRUST	4,625	$263K	0.1%	$56.81	$56.18	+1.1%	STATE STREET SPD	78464A508
GE	GE AEROSPACE	813	$250K	0.1%	$308.02	$300.80	+2.4%	COM NEW	369604301
IEFA	ISHARES TR	2,632	$235K	0.1%	$89.45	$88.43	+1.2%	CORE MSCI EAFE	46432F842
BSV	VANGUARD BD INDEX FDS	2,790	$220K	0.1%	$78.82	$78.89	-0.1%	SHORT TRM BOND	921937827
SCHH	SCHWAB STRATEGIC TR	10,470	$219K	0.1%	$20.89	$21.20	-1.5%	US REIT ETF	808524847
IWF	ISHARES TR	429	$203K	0.1%	$473.78 *	$118.45	-0.1%	RUS 1000 GRW ETF	464287614