Harbor 13F-HR Quarterly holdings report by institutional manager

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
ABBVIE INC	COM	00287Y109	304,119	1,540	SH		SOLE		0	0	1,540
ADVANCED MICRO DEVICES INC	COM	007903107	487,154	2,969	SH		SOLE		0	0	2,969
AMAZON COM INC	COM	023135106	361,449	1,940	SH		SOLE		0	0	1,940
AMERICAN CENTY ETF TR	US SML CP VALU	025072877	9,135,481	95,211	SH		SOLE		0	0	95,211
AMERICAN EXPRESS CO	COM	025816109	259,274	956	SH		SOLE		0	0	956
ANALOG DEVICES INC	COM	032654105	1,126,555	4,894	SH		SOLE		0	0	4,894
APPLE INC	COM	037833100	2,184,801	9,377	SH		SOLE		0	0	9,377
AT&T INC	COM	00206R102	505,171	22,962	SH		SOLE		0	0	22,962
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	966,546	2,100	SH		SOLE		0	0	2,100
BNY MELLON ETF TRUST	CONCENTRATED INT	09661T834	35,235,865	656,914	SH		SOLE		295	0	656,619
CATERPILLAR INC	COM	149123101	1,938,391	4,956	SH		SOLE		0	0	4,956
COCA COLA CO	COM	191216100	293,979	4,091	SH		SOLE		0	0	4,091
COSTCO WHSL CORP NEW	COM	22160K105	366,133	413	SH		SOLE		0	0	413
CSX CORP	COM	126408103	627,602	18,176	SH		SOLE		0	0	18,176
DIMENSIONAL ETF TRUST	US CORE EQUITY 2	25434V708	504,623	14,716	SH		SOLE		0	0	14,716
DIMENSIONAL ETF TRUST	US TARGETED VLU	25434V609	247,503	4,449	SH		SOLE		0	0	4,449
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	3,205,312	118,671	SH		SOLE		0	0	118,671
ECOLAB INC	COM	278865100	283,161	1,109	SH		SOLE		0	0	1,109
ELEVANCE HEALTH INC	COM	036752103	411,840	792	SH		SOLE		0	0	792
ELI LILLY & CO	COM	532457108	221,550	250	SH		SOLE		0	0	250
EXXON MOBIL CORP	COM	30231G102	544,688	4,647	SH		SOLE		0	0	4,647
FIDELITY COVINGTON TRUST	ENHANCED LARGE	31609A107	273,297	8,827	SH		SOLE		0	0	8,827
FIDELITY MERRIMACK STR TR	TOTAL BD ETF	316188309	41,286,346	883,319	SH		SOLE		0	0	883,319
FRANKLIN TEMPLETON ETF TR	US MID CP MLTFCT	35473P884	8,503,918	152,674	SH		SOLE		0	0	152,674
GE AEROSPACE	COM NEW	369604301	598,406	3,173	SH		SOLE		0	0	3,173
HOME DEPOT INC	COM	437076102	245,981	607	SH		SOLE		0	0	607
INTUIT	COM	461202103	825,309	1,329	SH		SOLE		0	0	1,329
INVESCO EXCHANGE TRADED FD T	S&P MIDCAP 400	46137V225	207,985	1,776	SH		SOLE		0	0	1,776
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	228,430	1,275	SH		SOLE		0	0	1,275
INVESCO QQQ TR	UNIT SER 1	46090E103	920,368	1,886	SH		SOLE		0	0	1,886
ISHARES TR	CORE MSCI EAFE	46432F842	771,359	9,883	SH		SOLE		0	0	9,883
ISHARES TR	CORE S&P MCP ETF	464287507	34,500,884	553,609	SH		SOLE		0	0	553,609
ISHARES TR	CORE S&P SCP ETF	464287804	24,863,296	212,579	SH		SOLE		0	0	212,579
ISHARES TR	CORE S&P TTL STK	464287150	525,651	4,184	SH		SOLE		0	0	4,184
ISHARES TR	CORE S&P500 ETF	464287200	14,920,569	25,867	SH		SOLE		0	0	25,867
ISHARES TR	CORE TOTAL USD	46434V613	630,392	13,378	SH		SOLE		0	0	13,378
ISHARES TR	EAFE GRWTH ETF	464288885	4,487,934	41,690	SH		SOLE		0	0	41,690
ISHARES TR	EAFE SML CP ETF	464288273	1,058,083	15,629	SH		SOLE		0	0	15,629
ISHARES TR	EAFE VALUE ETF	464288877	3,302,280	57,401	SH		SOLE		0	0	57,401
ISHARES TR	ESG AW MSCI EAFE	46435G516	206,308	2,451	SH		SOLE		0	0	2,451
ISHARES TR	ESG AWARE MSCI	46435U663	398,119	9,520	SH		SOLE		0	0	9,520
ISHARES TR	GLOBAL REIT ETF	46434V647	1,256,338	47,071	SH		SOLE		0	0	47,071
ISHARES TR	GRWT ALLOCAT ETF	464289867	1,655,402	27,944	SH		SOLE		0	0	27,944
ISHARES TR	MSCI EMG MKT ETF	464287234	469,698	10,242	SH		SOLE		0	0	10,242
ISHARES TR	MSCI USA ESG SLC	464288802	405,151	3,366	SH		SOLE		0	0	3,366
ISHARES TR	NATIONAL MUN ETF	464288414	9,259,666	85,240	SH		SOLE		0	0	85,240
ISHARES TR	RUS 1000 ETF	464287622	620,260	1,973	SH		SOLE		0	0	1,973
ISHARES TR	RUS 1000 GRW ETF	464287614	466,028	1,241	SH		SOLE		0	0	1,241
ISHARES TR	S&P 500 GRWT ETF	464287309	252,529	2,637	SH		SOLE		0	0	2,637
ISHARES TR	SHRT NAT MUN ETF	464288158	289,832	2,729	SH		SOLE		0	0	2,729
J P MORGAN EXCHANGE TRADED F	CORE PLUS BD ETF	46641Q670	41,375,917	857,710	SH		SOLE		0	0	857,710
J P MORGAN EXCHANGE TRADED F	ULTRA SHT MUNCPL	46641Q654	262,291	5,149	SH		SOLE		0	0	5,149
JOHNSON & JOHNSON	COM	478160104	270,799	1,671	SH		SOLE		0	0	1,671
JPMORGAN CHASE & CO.	COM	46625H100	840,699	3,987	SH		SOLE		0	0	3,987
LOCKHEED MARTIN CORP	COM	539830109	436,600	747	SH		SOLE		0	0	747
MASTERCARD INCORPORATED	CL A	57636Q104	385,658	781	SH		SOLE		0	0	781
MICROSOFT CORP	COM	594918104	797,580	1,854	SH		SOLE		0	0	1,854
NVIDIA CORPORATION	COM	67066G104	282,834	2,329	SH		SOLE		0	0	2,329
PUTNAM ETF TRUST	FOCUSED LAR CAP	746729300	7,172,189	189,040	SH		SOLE		0	0	189,040
RTX CORPORATION	COM	75513E101	557,811	4,604	SH		SOLE		0	0	4,604
SCHWAB CHARLES FAMILY FD	AMT TAX FREE MNY	808515530	17,463	17,463	SH		SOLE		0	0	17,463
SCHWAB STRATEGIC TR	FUNDAMENTAL US L	808524771	1,559,492	21,732	SH		SOLE		0	0	21,732
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	21,564,954	206,997	SH		SOLE		0	0	206,997
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	9,059,375	112,721	SH		SOLE		0	0	112,721
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	6,699,688	98,743	SH		SOLE		0	0	98,743
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	13,626,851	164,001	SH		SOLE		0	0	164,001
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	2,929,432	56,882	SH		SOLE		0	0	56,882
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	227,900	1,009	SH		SOLE		0	0	1,009
SPDR DOW JONES INDL AVERAGE	UT SER 1	78467X109	251,786	595	SH		SOLE		0	0	595
SPDR S&P 500 ETF TR	TR UNIT	78462F103	667,926	1,164	SH		SOLE		0	0	1,164
SPDR SER TR	NUVEEN BLOOMBERG	78464A284	3,799,011	144,614	SH		SOLE		0	0	144,614
SPDR SER TR	PRTFLO S&P500 GW	78464A409	16,113,588	194,280	SH		SOLE		0	0	194,280
SPDR SER TR	PRTFLO S&P500 VL	78464A508	22,933,187	433,848	SH		SOLE		0	0	433,848
SPRINKLR INC	CL A	85208T107	84,064	10,875	SH		SOLE		0	0	10,875
SSGA ACTIVE ETF TR	MULT ASS RLRTN	78467V103	8,631,785	300,340	SH		SOLE		0	0	300,340
T ROWE PRICE ETF INC	PRICE BLUE CHIP	87283Q107	14,717,704	371,284	SH		SOLE		0	0	371,284
TEXAS CAP TEX EQUITY INDEX E	GOVT MONEY MKT	88224A508	24,775	24,775	SH		SOLE		0	0	24,775
TEXAS INSTRS INC	COM	882508104	312,747	1,514	SH		SOLE		0	0	1,514
UNDER ARMOUR INC	CL A	904311107	473,020	21,307	SH	Call	SOLE		0	0	21,307
UNITEDHEALTH GROUP INC	COM	91324P102	233,428	399	SH		SOLE		0	0	399
VANECK ETF TRUST	MRNGSTR WDE MOAT	92189F643	35,721,262	368,450	SH		SOLE		0	0	368,450
VANGUARD INDEX FDS	GROWTH ETF	922908736	1,332,242	3,470	SH		SOLE		0	0	3,470
VANGUARD INDEX FDS	MID CAP ETF	922908629	1,851,466	7,018	SH		SOLE		0	0	7,018
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	556,981	1,056	SH		SOLE		0	0	1,056
VANGUARD INDEX FDS	SMALL CP ETF	922908751	1,735,666	7,317	SH		SOLE		0	0	7,317
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	859,196	3,034	SH		SOLE		0	0	3,034
VANGUARD INDEX FDS	VALUE ETF	922908744	302,281	1,732	SH		SOLE		0	0	1,732
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	282,586	5,351	SH		SOLE		0	0	5,351
VERIZON COMMUNICATIONS INC	COM	92343V104	354,463	7,893	SH		SOLE		0	0	7,893
VISA INC	COM CL A	92826C839	984,058	3,579	SH		SOLE		0	0	3,579